Macos

What Macos does

Macos Software AG is a Swiss vertical-market software company that develops and supports pension fund administration software for the country's BVG/occupational pension (2nd Pillar) market. Founded in 1980 and headquartered in Volketswil, the company sells a modular product suite centered on MacosPKS, a Windows-based BackOffice system for pension funds, pension institutions, single and collective foundations, associations, and holding companies, supplemented by web portals for connected companies and brokers (MacosFBS), insured persons (MacosVRS), quotation management (MacosOFF), mortgage and loan administration (MacosHVS, with SAP and Microsoft Office integration), and adjacent public-sector modules (MacosPFL, MacosSIFO) serving the BVG Security Fund and Central Office 2nd Pillar. The platform is configured individually for each customer and is deployed at over 50 pension institutions, with the vendor citing roughly 500,000 insured persons managed across the installed base.

The company generates revenue through quote-based software licensing (annually recurring), professional services including consulting, project management, QA/testing, and training, and ongoing managed support delivered via TeamViewer, a ticket system (Projektron), and email. GTM is sales-led and direct, targeting Swiss pension funds, administrations, collective foundations, associations, and municipalities through personalized consultation; pricing is not publicly disclosed and varies by organization size and configuration scope.

Since January 2021, Macos has been a wholly-owned subsidiary of Volaris Group Inc. (itself a 100% subsidiary of TSX-listed Constellation Software Inc.), operating under Volaris's acquire-and-hold vertical software model. Leadership transitioned in January 2024, with Gaby Löertscher succeeding long-serving CEO Heinrich Grob and Christian Oberholzer joining as CTO; the team is small (1-10 internal plus 4 external developers) and the operating geography is exclusively Switzerland.

Name

Macos

Legal name

macos software ag

Website

https://macos.ch

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

Macos Software AG is a Swiss vertical software vendor, founded in 1980, that develops modular BVG/occupational pension administration software (MacosPKS plus web portals and adjacent modules) and sells it through direct enterprise sales to pension funds, collective foundations, associations, and municipalities in Switzerland.

Ownership category

akta.pro rank

Product category

Pension Fund Administration Software

NAICS

Pension Funds (525110), Health and Welfare Funds (525120)

SIC

Investment Advice (6282)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Taft-Hartley / Labor Union & Public Sector Retirement Systems (FSAAAGAK), Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI), Workplace Wealth & Employee Investing Programs (FSAAAAAK)

Keywords

• Pension fund software
• Occupational pension administration
• BVG software solutions
• Pension fund IT services
• Swiss pension software

Headquarters

HQ city

Volketswil

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licensing: Sale and licensing of pension fund administration software products (MacosPKS, MacosFBS, MacosVRS, MacosOFF, MacosHVS, MacosPFL, MacosSIFO) configured to customer requirements.
2. IT Services & Consulting: Comprehensive services including consulting, project management, quality assurance and testing, software development, and specialist training.
3. Support Services: Customer support via TeamViewer, ticket system, and email support for ongoing software operation.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Macos develops, licenses, and supports a modular pension fund administration software suite (MacosPKS, MacosFBS, MacosVRS, MacosOFF, MacosHVS, MacosPFL, MacosSIFO) for Swiss occupational pension (BVG/2nd Pillar) institutions including pension funds, pension fund administrations, single and collective foundations, associations, and municipalities. The portfolio combines a Windows-based BackOffice core with web portals for connected companies, brokers, and insured persons, supported by consulting, project management, QA, training, and ongoing maintenance services.

Product overview

Macos provides a modular pension fund software portfolio built around its core Windows-based product MacosPKS (WinPKS) as the central BackOffice system. The portfolio includes complementary web-based modules: MacosFBS for connected companies and brokers, MacosVRS for insured persons, and MacosOFF for quotation management. Additional specialized solutions include MacosHVS for mortgage and loan administration, and MacosPFL/MacosSIFO for obligation management and public service institutions. The products share BVG (occupational pension) domain knowledge and IT competence, with web solutions enabling modern access and automation while the Windows BackOffice handles core administration.

Differentiator

Problem solved

Functional benefit

Brands

• MacosPKS: Windows-based pension fund management software (BackOffice) for pension funds, institutions, foundations, and associations.
• MacosFBS
• MacosVRS
• MacosOFF
• MacosHVS
• MacosPFL
• MacosSIFO

Products and services

• MacosPKS (WinPKS) Windows-based pension fund management software (BackOffice) for pension funds, pension fund administrations, single and collective foundations, associations, and holding companies; supports approximately 50,000 organizations with around 500,000 insured persons and provides the core processing engine for BVG/2nd Pillar administration.
• MacosFBS (WebFBS) Web portal for connected companies and brokers enabling master data management, entry/exit processing, salary notifications, and mutations of master data online, available 24/7.
• MacosVRS (WebVS) Web portal for insured persons providing access to personal data, pension certificates, retirement savings account information, and simulations for lump-sum deposits, home ownership promotion withdrawals, and divorce impact analysis.
• MacosOFF (WinOFF) Offer system for creating quotations for existing or new customers with Microsoft Office integration, automatic data and plan import from existing customers, and Excel import for new customers.
• MacosHVS (WinHVS) Mortgage and loan administration system with direct interfaces to financial accounting and personnel information systems (e.g., SAP) and Microsoft Word for customer-oriented document outputs such as invoices, reminders, and account statements.
• MacosPFL Individual administration software for Pflichtlager (mandatory stockpiling) management enabling complex processes for material, money, and information flow management via a framework, with flexible document and report creation.
• MacosSIFO Individual software for Public Service Management supporting the Security Fund BVG (Sicherheitsfonds BVG) and the Central Office 2nd Pillar (Zentralstelle 2. Säule) with reporting, billing, and control processes.

Named customers7 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Partnerships

One partnership is on record.

• Vereinigung für Softwarehersteller für die 2. SäuleminorStrategic or Co-development PartnerIndustry association membership for software manufacturers in the Swiss occupational pension (BVG) sector, enabling industry collaboration and standards involvement.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Avaloq: Swiss-headquartered provider of banking and wealth management software, owned by NEC. Comparable as a Swiss incumbent in regulated financial software whose platform can touch pension and retirement-account workflows, but with a broader banking/wealth focus than Macos.
• Temenos: Global core banking and wealth management software vendor. Comparable only in that its software suite touches pensions, retirement accounts, and fund administration as part of a much broader banking platform — not a specialist pension admin vendor.
• FIS (Fidelity National Information Services): Large global provider of financial technology, including retirement services administration software (via the FIS Reliance and related platforms). Comparable at a high level as a vendor of regulated pension/retirement administration software, though far larger and broader than Macos.
• VZ VermögensZentrum: Swiss financial services group providing wealth advisory, mortgage, and pension products supported by proprietary technology. Comparable as a Swiss player combining BVG-facing services with internal software platforms, though primarily a distributor rather than a software vendor.

Direct peers

• Lurse AG: Specialist in pension, benefits, and compensation software and consulting for the DACH region. Comparable because it sells pension administration and pension-planning software to corporate pension schemes — the same buyer persona as Macos.
• msg life AG: European vendor of software for life insurance, health insurance, and pension administration. Comparable because its core product addresses regulated pension and benefit administration workflows similar to MacosPKS, just in the German/Austrian/Swiss market.
• Sapiens International Corporation: Global provider of software solutions for insurance, retirement, and pension administration. Comparable because its retirement/pension core platform competes in the same functional category as MacosPKS, addressing regulated pension back-office workflows.
• RGI Group: European vendor of software solutions for insurance, pension, and welfare providers. Comparable as a peer in core administration systems for life insurance and pension funds serving regulated European markets.
• TIA Technology: Vendor of standard software for health insurance, life insurance, and pension administration in the DACH region. Comparable as a vendor of regulated pension/benefit administration software serving European insurers and pension institutions.
• Inventx AG: Swiss financial-services IT provider serving banks, insurance companies, and pension funds with core and integration software. Directly comparable because it sells enterprise software into the same Swiss BVG/2nd Pillar ecosystem and adjacent financial-services verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/macos-software

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Macos