What Pensioen Perspectief does

Pensioen Perspectief (legally Triple A – Pensioenperspectief B.V.) is a Dutch pension advisory firm headquartered in Amsterdam, operating under the Triple A – Risk Finance brand within the Redmore group, with House of HR N.V. as shareholder. The firm provides specialized pension advisory services to five customer segments: employers managing corporate pension schemes and costs; works councils (ondernemingsraden) navigating co-determination rights and pension changes; fiscal-legal advisors seeking specialist pension support; non-profit organizations and municipalities dealing with ABP pension complexity; and directors/major shareholders (DGA) managing self-managed pension schemes including annual fiscal, commercial RJ, and dividend-testing valuations.

The firm's core offering is bespoke pension advisory, complemented by standard and complex DGA pension calculations, ABP pension scheme presentations, individual pension consultations, and dispute support. Underlying its advisory work is a set of proprietary calculation and analytical tools: a Generatiepact tool for municipalities, a Pensioenlasten Quickscan, an AOW and retirement-age calculator, a vertrekregeling (departure scheme) cost-savings calculator, and a quarterly pension fund benchmarking tool built on De Nederlandsche Bank data. The firm also delivers 4-hour on-location workshops and 1.5-hour digital knowledge sessions for works councils, with a recent build-out around the Dutch pensioenakkoord (pension agreement).

Pensioen Perspectief operates a sales-led, professional services model, acquiring clients through direct advisory engagements, workshops, knowledge sessions, content marketing, newsletter distribution via Mailchimp, and LinkedIn advertising. Revenue is generated through fees for advisory, calculations, workshops, and coaching engagements; no commission, product, or software revenue is indicated. Pricing is custom and quote-based with multi-year contract cadence, and overall headcount is not publicly disclosed (at least eight partner-level professionals are named on the website).

Name

Pensioen Perspectief

Legal name

Triple A – Pensioenperspectief B.V.

Website

https://pensioenperspectief.nl

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Pensioen Perspectief is a Dutch pension advisory firm serving employers, works councils, fiscal-legal advisors, non-profit organizations, and DGA shareholders with bespoke pension consulting, proprietary calculation tools, and workshops centered on the Dutch pension agreement.

Ownership category

akta.pro rank

Product category

Pension Advisory Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industry

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Pension advisory services
• Corporate pension consulting
• Works council coaching
• DGA pension advice
• Dutch pension legislation

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Advisory Services: Pensioen Perspectief generates revenue through fees charged for professional pension advisory services. The company provides pension consulting to employers, works councils, fiscal-legal professionals, non-profit organizations (including municipalities), and individual shareholders (DGA). Services include pension calculations, compliance advisory, transition planning, workshops, coaching, and dispute resolution. No commission or product-based revenue model is indicated.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Pensioen Perspectief is a Dutch pension advisory firm providing consulting, calculations, and coaching on occupational pension schemes to five client segments: employers, works councils (ondernemingsraden), fiscal-legal service providers, non-profit organizations (including municipalities), and individual directors/major shareholders (DGA). Services span pension scheme design, compliance, DGA pension valuations, ABP scheme guidance, generation pact modeling, departure scheme cost analysis, and workshops on the Dutch pension agreement (pensioenakkoord). The firm also publishes pension core figures, a glossary of pension terms, and proprietary calculation tools used as lead-generation and analytical instruments.

Product overview

Pensioen Perspectief (Triple A) is a pension advisory firm offering a comprehensive suite of advisory services organized by customer segment: employers, works councils (ondernemingsraden), fiscal-legal service providers, non-profit organizations, and directors/major shareholders (DGA). The core offerings include personalized pension advisory, standard and complex DGA pension calculations, ABP pension scheme summaries and presentations, and individual pension consultations. The firm provides specialized tools including a Generatiepact tool for municipalities, free AOW and pension age calculators, pension cost quick scans, and departure scheme calculation tools. Educational offerings include workshops on pension topics, the pension agreement, and knowledge sessions, all delivered on location or digitally. The services are interconnected, with tools and workshops supporting the advisory services across all segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Werkgever (Employer Pension Advisory) Advisory and consulting services for employers on company pension schemes, including guides for business pensions, pension administration, cost analysis, contract management, due diligence, harmonization, and regulatory compliance.
• Ondernemingsraden (Works Council Coaching) Coaching and advisory services for works councils (ondernememingsraden) on pension changes, pension agreement negotiations, co-determination rights, and works council rights regarding pension matters.
• Fiscaal Juridische Dienstverlener Support Specialist fiscal and legal advisory support for pension professionals, including complex pension calculations, disputes, and pension-related legal questions for advisors, accountants, and lawyers.
• Non-Profit Pension Advisory Pension advisory services for non-profit organizations and municipalities, including ABP pension scheme summaries, generation pact arrangements, and pension consultation hours.
• DGA Pensioen Advisory Specialized pension advisory for directors and major shareholders (DGA) covering pension in own management, fiscal/commercial valuations, divorce-related pension matters, early retirement, agreements, and disputes.
• DGA Pensioen Berekening (Standard) Annual standard pension and/or annuity calculations for DGA pension in own management for the BV's annual accounts, including fiscal valuations and commercial RJ valuations.
• Speciale DGA Pensioen Berekening (Complex) Complex DGA pension calculations covering pension start date changes, external own management transfers, divorce settlements, and dismissal pension damage.
• ABP Pensioenregeling Summary Summary and explanation of the ABP pension regulations, including coverage percentages, franchise amounts, and building percentages.
• Presentatie ABP Pensioen Group presentation service explaining the ABP pension scheme to employees, lasting approximately 2 hours on location.
• Individueel Pensioengesprek Individual pension consultation providing clarity on personal pension options, organized per half-day including pension consultation office hours.
• Generatiepact Tool Proprietary tool developed for municipalities to analyze various consequences of introducing or expanding a Generatiepact, including employer cost implications.
• AOW en Pensioenleeftijd Calculator Free tool that calculates an individual's AOW and pension age based on birth year, available for download via email.
• Pensioenlasten Quickscan Quick scan service providing immediate insight into pension costs for employers, with specialists following up to provide analysis.
• Workshop Pensioen Half-day workshop training on pension topics for works councils, delivered on location, covering general pension knowledge and specific company pension schemes.
• Workshop OR en Pensioenakkoord 4-hour workshop explaining changes from the pension agreement (pensioenakkoord) and its impact on the company's own pension scheme and works council role.
• Kennissessie OR en Pensioenakkoord Digital knowledge session (max 1.5 hours) explaining pension agreement changes and implications for employees.
• Rekentool Vertrekregeling Calculation tool for visualizing employee income projections and employer costs and savings related to the vertrekregeling (departure scheme).
• Tool Pensioenfondsen in Perspectief Quarterly analysis of the financial position of pension funds, providing insight into the asset position of the company's own occupational pension fund and comparison with other pension funds, based on data from De Nederlandsche Bank.

Quantifiable outcome

• More than 100 works councils advised on pension regulation changes and/or changes in pension executor.
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Triple A - Risk FinancecoreOthersTriple A - Risk Finance is the parent company and brand under which Pensioen Perspectief operates. It provides corporate structure, shared services, and institutional support. The Redmore groep handles questions and requests under Triple A - Risk Finance's responsibility.
• Redmore GroepcoreOthersRedmore Groep is the holding company that handles questions and requests for Triple A - Pensioen Perspectief B.V. Data protection and compliance functions are managed at the Redmore group level, with a DPO located at Euclideslaan 2, 3584 BN, Utrecht.
• De Nederlandsche Bank (DNB)minorOthersDe Nederlandsche Bank (DNB) is the source of pension fund data used by Pensioen Perspectief in its quarterly 'Tool Pensioenfondsen in Perspectief' analysis, which tracks the financial position of pension funds.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mercer Netherlands: Mercer's Dutch entity advises employers and pension funds on scheme design, governance, and the pensioenakkoord transition — a broad incumbent in the same advisory category, with deeper institutional relationships and broader capabilities.
• EY Netherlands Pensions: EY's Dutch pensions practice provides actuarial, tax, and consulting services to employers and pension funds — overlapping with Pensioen Perspectief's employer and DGA advisory lines.
• Aon Netherlands: Aon's Dutch practice provides employer pension advisory, risk, and actuarial consulting — directly comparable service lines to Pensioen Perspectief, but operating at significantly larger scale with global resources.
• PwC Netherlands Pensions: PwC provides pension advisory, actuarial, and tax services in the Netherlands, including works council support and DGA pension calculations — directly comparable service suite at much larger firm scale.
• Willis Towers Watson Netherlands: WTW operates a Dutch actuarial and pension advisory practice serving employers and pension funds with scheme design, M&A pension due diligence, and regulatory transition support — overlapping directly with Pensioen Perspectief's employer-facing offerings.
• Deloitte Netherlands Pensions: Deloitte's Dutch pensions practice advises on corporate pension schemes, works council support, and pensioenakkoord transitions, with multidisciplinary tax, legal, and actuarial teams — a direct broad-incumbent competitor for mid-market and large Dutch employers.
• KPMG Netherlands Pensions: KPMG's Dutch pensions team advises employers, pension funds, and works councils on scheme design, regulatory change, and actuarial valuations — a broad incumbent competing for the same mid-market employer and works council engagements.

Direct peers

• AZL: AZL is a Dutch pension administrator and advisory firm serving employers and pension funds with administration, communication, and advisory services — a relevant direct peer for pension scheme and pension communication offerings.
• Sprenkler: Sprenkler is a Dutch specialist actuarial and pension advisory firm offering employer, works council, and DGA pension services — a closely matched direct peer to Pensioen Perspectief in scale, geography, and service mix.
• TKP (TKP Pensioen): TKP is a Dutch pension administrator and advisor providing employer and participant-facing pension services including DGA and works council support — directly comparable in the Dutch mid-market pension advisory space.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/pperspectief
• LinkedInlinkedin.com/company/pensioen-perspectief

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Pensioen Perspectief