Pensioenfonds Horeca & Catering

What Pensioenfonds Horeca & Catering does

Pensioenfonds Horeca & Catering is a Dutch sector pension fund (bedrijfstakpensioenfonds) established in 1964 and headquartered in Zoetermeer, Netherlands. It is the mandatory occupational pension provider for employees and employers in the Dutch hospitality (horeca) and contract catering industries, serving approximately 1.3 million (former) participants and 52,678 affiliated employers with a workforce of about 140 staff. Coverage is compulsory: when an employer is affiliated, all eligible workers aged 18 to 68 are automatically enrolled, with contributions of 16.8% of pensionable salary (split equally between employer and employee) for basic build-up plus 0.34% for survivor's pension insurance in 2026. Survivor's pension, disability continuation, value transfer (waardeoverdracht), buyout options, and a supplementary scheme extending coverage above the EUR 52,294 cap up to EUR 137,800 round out the product set.

The fund operates a digital pension administration platform centered on the MijnPH&C participant portal (accessed via DigiD or EU-login/eIDAS for European citizens) and a Werkgeversportaal for affiliated employers. Participant-facing technology includes secure identity integration with the Dutch DigiD system and EU-login/eIDAS for cross-border access, website analytics via Google Analytics and Hotjar, consent management via Cookiebot, and video delivery via PingVP. On 1 January 2026, the fund completed a full migration to the new Dutch pension framework under the Wet toekomst pensioenen (Future Pensions Act), transitioning from a defined-benefit orientation to a personal pension capital (persoonlijk pensioenvermogen) defined-contribution model. Participants received their first TUPO (Transitionele Uniform Pensioenoverzicht) statements in July 2026; Q2 2026 investment return was +7.45%, with a coverage ratio of 155% and a policy coverage ratio of 145%.

Economically, the entity is not a venture-backed or listed company: it is jointly governed by social partners (employer and employee representative organizations), is not owned by external shareholders, and has no parent company or funding rounds. Revenue mechanics consist of mandatory premium inflows from employers and employees plus investment returns on accumulated assets, rather than discretionary commercial sales. Distribution is B2B2C through affiliated employers who remit contributions and through self-service digital portals, supplemented by phone-based customer service. The fund holds Great Place to Work "World-class Workplace" certification and states compliance with ISO information-security standards and GDPR/AVG privacy obligations.

Name

Pensioenfonds Horeca & Catering

Legal name

Pensioenfonds Horeca & Catering

Website

https://phenc.nl

Company type

Private

Founded year

1964

Operating status

Operating

Short description

Pensioenfonds Horeca & Catering is a Dutch sector pension fund that delivers mandatory occupational pensions to approximately 1.3 million participants and 52,678 employers across the hospitality and contract catering industries, operating from Zoetermeer since 1964.

Ownership category

akta.pro rank

Headquarters

HQ city

Zoetermeer

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions: The fund collects pension contributions from both employees and employers in the hospitality and catering sectors. For basic pension build-up, employee and employer each pay 8.4% (total 16.8%) of the pension base. For survivor's pension insurance, both parties pay 0.17% each (total 0.34%) of pensionable salary (2026 rates). Contributions are mandatory for all workers in affiliated companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Pensioenfonds Horeca & Catering is the mandatory Dutch sector pension fund for the hospitality and contract catering industries, collecting pension contributions from employers and employees and administering retirement, survivor's pension, and disability pension benefits. It runs the MijnPH&C participant portal and Werkgeversportaal employer portal for digital self-service, and on 1 January 2026 transitioned to a personal pension capital (persoonlijk pensioenvermogen) model under the Wet toekomst pensioenen.

Product overview

Pensioenfonds Horeca & Catering is a Dutch occupational pension fund serving the hospitality and catering industry. The fund operates as a unified platform with multiple integrated components: the core MijnPH&C personal online environment (accessed via DigiD or EU-login) serving as the primary interface for participants, supported by the Deelnemersportaal for information access and Werkgeversportaal for employer administration. The product suite includes the Basispensioenregeling (basic pension scheme) providing personal pension capital accumulation from ages 18-68 with built-in survivor's insurance, supplemented by optional aanvullende pensioenregeling for higher earners. Key participant-facing offerings encompass pension choices (keuzes) including pension buyout, value transfer, and survivor's pension options. The fund transitioned to a new regulatory framework on January 1, 2026, and serves approximately 1.3 million participants and 52,678 affiliated employers.

Differentiator

Problem solved

Functional benefit

Products and services

• MijnPH&C (Mijn Pensioenfonds Horeca & Catering) Personal online environment where participants can view their current pension situation, check pension statements, update profile information, and manage their pension affairs. Accessed securely via DigiD or EU-login/eIDAS. Targeted at participants in the Dutch hospitality and catering pension scheme.
• Deelnemersportaal (Participant Portal) Web portal providing participants access to information about their pension, including pension overviews, personal pension capital tracking, and downloadable documents. For participants in the Dutch hospitality and catering pension scheme.
• Werkgeversportaal (Employer Portal) Portal for employers in the hospitality and catering sectors to manage pension matters for their employees, submit data, and access employer-specific information and tools. Targeted at affiliated Dutch hospitality and catering employers.
• Basispensioenregeling (Basic Pension Scheme) The standard mandatory occupational pension scheme for employees in the Dutch hospitality and catering industry. Participants build up personal pension capital from age 18 to 68 through employer and employee contributions (8.4% each of the pension base in 2026), with automatic survivor's pension insurance while employed.
• Aanvullende Pensioenregeling (Supplementary Pension Scheme) Optional supplementary pension arrangement that employers can take out for employees earning above the maximum pensionable annual salary of \u20ac52,294, extending pension coverage up to \u20ac137,800 (2026 figures).
• Nabestaandenpensioen (Survivor's Pension) Standard survivor's pension insurance providing benefits to partner (30% of pensionable salary) and children (12% of pensionable salary) if the participant dies while employed in hospitality or catering. Contributions are 0.17% from each of employer and employee (total 0.34%) of pensionable salary in 2026.
• Persoonlijk Pensioenvermogen (Personal Pension Capital) Individual pension capital account consisting of contributed premiums and achieved investment returns. The value fluctuates based on investment performance and forms the basis for retirement income under the new Dutch pension framework.
• Pensioenkeuzes (Pension Choices) Suite of options available to participants including pension for partner and children, voluntary continuation of pension, transferring pension (waardeoverdracht), pension buyout, and retirement timing decisions.
• Pensioen Afkopen (Pension Buyout) Lump sum payment option for pension at retirement. Available when annual pension is below \u20ac632.63 gross (2026). Includes information about tax implications and effects on subsidies.
• Waardeoverdracht (Value Transfer) Transfer of personal pension capital to another pension provider when changing jobs. Automatic transfer occurs for small pensions between \u20ac2.00 and the capital limit; larger amounts require application.

Quantifiable outcome

• Total investment return of +7.45% in Q2 2026

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• DigiDcoreTechnology or IntegrationDigiD is the Dutch digital identity system used by citizens to log in to government and semi-government websites. PH&C uses DigiD for secure authentication of participants accessing the MijnPH&C portal.
• EU-login / eIDAScoreTechnology or IntegrationEU-login is the European Commission's authentication service, enabling European citizens without DigiD to access Dutch digital services via eIDAS cross-border identity recognition.

Scale indicators7 records

Recent moves1 record

Expansion highlights5 records

Market position

Weaknesses5 records

Competitive moat4 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 Pensioenfonds Horeca & Catering