PBG Pensions-Beratungs-Gesellschaft

What PBG Pensions-Beratungs-Gesellschaft does

PBG Pensions-Beratungs-Gesellschaft mbH is an independent German management consulting firm specializing in occupational pension schemes (betriebliche Altersversorgung, bAV) and time value accounts (Zeitwertkonten). Headquartered in Idstein, Germany, the firm is registered as a GmbH at Amtsgericht Wiesbaden under HRB9293 and is led by two authorized managing directors, Florian Karle and Ralf Bender. It maintains a wholly-owned subsidiary, PBG Finance & Service GmbH, which supports finance and service operations within the group. The firm targets large and mid-sized enterprises as well as individual executives and shareholder-managers (Geschäftsführer) requiring tailored pension commitments.

The company's service portfolio covers all implementation pathways of bAV and is organized around five core lines: legal consultation and support (Beratung und rechtliche Unterstützung), actuarial assessments and expert opinions (Versicherungsmathematik & Gutachten), pension benefit administration (Rentenverwaltung), de-risking solutions (Ausfinanzierung und De-Risking der bAV), and time value account management (Zeitwertkonten). PBG emphasizes its independence from product providers as a core differentiator, allowing it to recommend across insurance-based, provident fund, pension fund, and direct commitment approaches without product bias. The firm's expertise spans labor, tax, and social security law, plus valuation of pension obligations under both national and international accounting standards, and de-risking structures including trust models (CTAs) and full liability transfers.

PBG operates on a professional services revenue model, generating income through project-based and retainer consulting fees for engagements with corporate leadership, HR, and Finance departments. The go-to-market is sales-led B2B, with customer acquisition driven by direct contact via the website, phone (+49 6126 589-0), and email ([email protected]). Marketing channels are minimal and consist of the company website, a customer portal (kunden.pbg.de), and a monthly-updated Consumer Price Index (VPI) PDF service supporting client compliance with § 16 BetrAVG adjustment review obligations. As a non-technology professional services firm with no app, API, or AI capabilities, PBG is not a venture-backed or platform-style business and operates entirely within the German market.

Name

PBG Pensions-Beratungs-Gesellschaft

Legal name

PBG Pensions-Beratungs-Gesellschaft mbH

Website

https://pbg.de

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

PBG Pensions-Beratungs-Gesellschaft mbH is an independent German management consulting firm providing legal, actuarial, administrative, and de-risking services for corporate occupational pension schemes (bAV) and time value accounts, serving large and mid-sized enterprises plus individual executives and shareholder-managers.

Ownership category

akta.pro rank

Headquarters

HQ city

Idstein

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Marketing or Sales

Revenue model

1. Professional Consulting Services: PBG generates revenue through professional consulting fees for services including advice and legal support for company pension systems, actuarial evaluations, pension administration, and de-risking of bAV obligations. Services are billed project-based or on retainer arrangements.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

PBG is an independent management consultancy providing professional services for occupational pension schemes (bAV) and time value accounts (Zeitwertkonten). It advises corporates across all implementation pathways of bAV on legal, tax, social security and labor law matters, delivers actuarial valuations and expert opinions, runs ongoing pension administration for retirees, and supports de-risking of pension obligations including trust (CTA) structures and full liability transfers.

Product overview

PBG Pensions-Beratungs-Gesellschaft is an independent management consulting firm providing professional services for company pension schemes (bAV) and time value accounts (Zeitwertkonten). The company operates as a single unified service offering that spans consulting and legal support, actuarial services, pension administration, and de-risking solutions. Their portfolio includes: Beratung und rechtliche Unterstützung (legal consultation), Versicherungsmathematik & Gutachten (actuarial services), Rentenverwaltung (pension administration), Ausfinanzierung und De-Risking der bAV (de-risking services), and Zeitwertkonten (time value accounts). Services cover all implementation pathways of bAV, labor law, tax law, and social security law.

Differentiator

Problem solved

Functional benefit

Products and services

• Beratung und rechtliche Unterstützung (Consulting and Legal Support for bAV) Independent legal and consulting advice on establishing, maintaining, and harmonizing occupational pension schemes (bAV) across all implementation pathways, covering individual commitments for executives, shareholder-managers, and workforce schemes, plus contract drafting, works council/union negotiations, and employee communication.
• Versicherungsmathematik & Gutachten (Actuarial Services & Expert Opinions) Actuarial valuations and expert opinions for pension obligations (and partial-retirement, long-service, and death-benefit commitments) under national and international accounting standards, plus forecast calculations of provisions and cash flow, retirement-entry calculations, vested-departure calculations, and pension equalization calculations.
• Rentenverwaltung (Pension Benefit Administration) Ongoing administration and timely disbursement of pension benefits to former employees, including handling written and telephone inquiries from ex-employees and communicating with tax authorities, health insurers, and other agencies on the client's behalf.
• Ausfinanzierung und De-Risking der bAV (Pension Funding and De-Risking) Advisory and execution support for de-risking company pension obligations, including switching implementation pathways, building offsetable liquidity reserves (plan assets) in trust models (CTA), and achieving complete transfer or release from liability.
• Zeitwertkonten (Time Value Accounts) Management and administration of time value accounts (Zeitwertkonten) as a complement to occupational pension schemes, supporting long-term social security arrangements within the company.

Segments2 records

Ideal customer profiles2 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.

• PBG Finance & Service GmbHcoreOthersPBG Finance & Service GmbH is identified as a subsidiary company of PBG Pensions-Beratungs-Gesellschaft mbH. It operates under the same compliance framework and has its own AGB (General Terms and Conditions). The subsidiary likely supports financial services and administrative functions for the parent company's pension consulting operations.

Recent moves4 records

Expansion highlights3 records

Direct peers

• Lurse: Germany-specialized bAV actuarial and consulting firm offering legal, actuarial, and administration services for occupational pensions. Closest pure-play domestic peer to PBG with overlapping service portfolio and target customers.
• Mercer: Global benefits and pension consulting firm with a substantial German practice providing bAV advisory, actuarial, and de-risking services. Directly competes with PBG for corporate pension mandates, particularly among large German enterprises.
• Aon: Global consulting and brokerage firm operating a major employee benefits and bAV advisory practice in Germany. Offers similar legal, actuarial, and administration capabilities, competing head-to-head with PBG for mid- and large-cap German corporate clients.
• Longial: German bAV consulting and administration specialist (part of the Talanx group) providing consulting, actuarial, and pension administration services. Competes with PBG across the full bAV value chain for German mid- and large-cap clients.
• Willis Towers Watson: International actuarial and benefits consulting firm with a German practice covering occupational pensions, actuarial valuations, and de-risking. Directly comparable to PBG across the same service lines and customer segments.
• Compendata: German specialist provider of pension and Zeitwertkonten administration services for corporate clients. Overlaps with PBG's Rentenverwaltung and Zeitwertkonten offerings with a similar mid- and large-cap German customer base.

Broad incumbents

• KPMG Germany: Big-4 advisory firm with a German actuarial and bAV practice offering pension consulting, accounting-standard valuations, and de-risking advice. Overlaps with PBG but as part of a much broader portfolio spanning audit, tax, and consulting.
• Deloitte Germany: Big-4 advisory firm with a German actuarial and human capital practice delivering bAV consulting, pensions accounting, and workforce benefits design. Broad incumbent that overlaps with PBG's actuarial and bAV advisory lines.
• Allianz Pension Consulting: Insurance carrier-affiliated bAV advisory and pension insurance provider in Germany. Offers bAV consulting and product-based solutions, partially competing with PBG but with inherent product-distribution bias PBG positions itself against.
• Zurich bAV (Germany): Insurance group with a German occupational pensions advisory and product practice covering bAV implementation pathways and de-risking. Comparable to PBG's bAV service lines but bundled within Zurich's broader insurance portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 PBG Pensions-Beratungs-Gesellschaft