Stichting Pensioenfonds

What Stichting Pensioenfonds does

Stichting Pensioenfonds APF is a Dutch pension fund (stichting under Dutch law) that administers retirement, survivor, disability, and partner benefits for current and former AkzoNobel employees and their pensioners, with its operating base in Tilburg, Netherlands. The fund's portfolio of offerings is anchored by the Pensioenregeling bij APF (main scheme) and Beschikbare Premieregeling (defined-contribution arrangement), and is undergoing a full product reset with the Nieuwe Pensioenregeling scheduled to take effect on 1 January 2027 under the Wet toekomst pensioenen. Participant-facing infrastructure includes the DigiD-secured Mijn pensioen self-service portal, a pensioenkeuzehulp decision-support tool, age-segmented newsletters (under-45, 46–55, 56+, and pensioner versions), and a multi-format education stack consisting of an Academy platform, live and recorded webinars, a podcast series, and an extensive library of explainer videos covering life events and the new pension rules.

The business model is premium-driven rather than commercial: the fund collects pension contributions from AkzoNobel and its employees, invests them under its Beleggingsbeleid (with a stated sustainable-investing orientation), and disburses pension benefits, with surplus deployed against a required coverage ratio of 116.5% (policy coverage ratio of 117.4% as of end-June 2022 means no recovery plan has been required since 2023). All pension administration, participant communications, and benefit payments are executed by Achmea Pensioenservices under a core implementation partnership, with Pensioenfonds APF retaining responsibility for data processing under the AVG/GDPR and the sector-specific Gedragslijn Verwerking Persoonsgegevens Pensioenfondsen.

The participant base is closed and defined by AkzoNobel employment: active employees, former employees with preserved entitlements, and retirees — the latter represented by VGAN (Vereniging van Gepensioneerden van AkzoNobel), which counted roughly 2,500 members at the start of 2024. Geographically, the fund operates under Dutch jurisdiction supervised by De Nederlandsche Bank (DNB), serves the Netherlands as its primary market, and supports international pension payments for pensioners residing abroad. A €100 million subordinated loan from AkzoNobel was fully repaid in June 2026 following DNB approval in May 2026, marking the close of a notable balance-sheet episode.

Name

Stichting Pensioenfonds

Legal name

Pensioenfonds APF

Website

https://pensioenfondsapf.nl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Pensioenfonds APF is a Dutch pension fund (stichting) that administers pension, survivor, and disability benefits exclusively for current and former AkzoNobel employees and pensioners in the Netherlands, with administration outsourced to Achmea Pensioenservices and oversight by DNB.

Ownership category

akta.pro rank

Product category

Pension Fund Administration

NAICS

Pension Funds (525110)

SIC

Investment Advice (6282)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Pension fund administration
• Defined contribution pensions
• Occupational pension services
• Retirement benefit management
• Pension scheme management

Headquarters

HQ city

Tilburg

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Others

Revenue model

1. Pensioenpremies: The fund collects pension contributions from AkzoNobel and its employees. These contributions are invested to fund future pension obligations.
2. Beiravaste lening AkzoNobel: Pensioenfonds APF had a subordinated loan of 100 million euros to AkzoNobel, which was fully repaid in June 2026 after conditions were met in April 2026 and DNB approval in May 2026.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Stichting Pensioenfonds (Pensioenfonds APF) is a Dutch sector pension fund that administers and invests occupational pension arrangements for AkzoNobel employees, former employees, and pensioners. Its offerings include the Pensioenregeling bij APF, a Beschikbare Premieregeling defined contribution arrangement, and the upcoming Nieuwe Pensioenregeling effective January 1, 2027, supported by the Mijn Pensioen self-service portal, an Academy educational platform, webinars, podcasts, and a Pensioenkeuzehulp decision-support tool.

Product overview

Pensioenfonds APF operates as a multi-employer pension fund (Algemeen Pensioenfonds) for AkzoNobel employees. The fund offers core pension products including the Pensioenregeling bij APF (main pension scheme), Beschikbare Premieregeling (defined contribution arrangement), and the upcoming Nieuwe Pensioenregeling (new pension scheme effective January 1, 2027). Participant-facing digital services include Mijn Pensioen (secure online portal), Academy (educational platform), Podcasts (audio content), and Webinars (video presentations). The fund is transitioning to new Dutch pension regulations and emphasizes sustainable investing and member education.

Differentiator

Problem solved

Functional benefit

Products and services

• Pensioenregeling bij APF The principal occupational pension scheme operated by Pensioenfonds APF, providing retirement, survivor, and related benefits for AkzoNobel employees, former employees, and pensioners.
• Beschikbare Premieregeling A defined contribution pension arrangement within the APF fund structure allowing flexible premium accumulation for retirement savings for AkzoNobel participants.
• Nieuwe Pensioenregeling bij APF The successor pension scheme taking effect on January 1, 2027 under the new Dutch pension system (Wet toekomst pensioenen), introducing updated rules for accumulation and distribution for AkzoNobel participants.
• Mijn Pensioen Secure online portal for Pensioenfonds APF participants to view personal pension details, run calculations, and manage pension preferences, accessed via DigiD authentication.
• Academy Educational platform providing courses, videos, podcasts, and webinars to help Pensioenfonds APF participants understand their pension arrangements and make informed retirement decisions.
• Pensioenkeuzehulp Interactive decision-support tool helping Pensioenfonds APF participants understand their pension choices and calculate expected retirement benefits.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Achmea PensioenservicescoreImplementation/ SI/ Consulting PartnerAchmea Pensioenservices is the administrative organization that executes the pension scheme for Pensioenfonds APF. They handle pension administration, participant communications, and payment of pensions. They operate under the General Data Protection Regulation (AVG/GDPR) and the Code of Conduct for Processing Personal Data by Pension Funds. Pensioenfonds APF remains responsible for proper processing and security of personal data.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Stichting Pensioenfonds ABP: Largest Dutch pension fund, a stichting managing mandatory occupational pensions for government and education employees under DNB supervision — directly comparable regulatory and operational structure to Pensioenfonds APF.
• Stichting Pensioenfonds Zorg en Welzijn (PFZW): Sector-wide Dutch pension fund for healthcare and welfare employees — comparable stichting structure, DNB oversight, defined-benefit/defined-contribution mix, and multi-channel member education.
• Stichting Pensioenfonds Metaal en Techniek (PMT): Industry-wide Dutch pension fund for the metal and technical sector — closely comparable corporate-style stichting operating under the same Wet toekomst pensioenen transition.
• Stichting Pensioenfonds voor de Metalektro (PME): Dutch pension fund for the metal-electro industry — comparable multi-employer APF-style structure and regulatory environment.
• Bpf Bouw: Sector-level Dutch pension fund for the construction industry — comparable APF governance and 2027 system migration pathway.

Direct peers

• Stichting Pensioenfonds ING: Corporate pension stichting tied to a single large Dutch sponsor — near-perfect structural analogue to Pensioenfonds APF in scale, governance, and product mix.
• Shell Pensioenfonds: Single-sponsor corporate pension fund for a major Dutch multinational — comparable captive participant base, DNB oversight, and international pensioner payments.
• Stichting Pensioenfonds KPN: Corporate pension fund for KPN — direct structural peer as another captive Dutch corporate pension stichting operating under DNB with member portals and educational content.

Others

• APG: Largest Dutch pension asset manager/administrator — relevant ecosystem peer for investment management, administration scale, and transition-support capabilities for Dutch stichting pension funds.
• Achmea Pensioenservices: Pension administration partner of Pensioenfonds APF — comparable in the Dutch pension services market and a relevant strategic-counterparty peer for service delivery and 2027 migration.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stichting Pensioenfonds