Libera

What Libera does

Libera AG is an independent Swiss pension fund consulting and administration firm founded in 1963 and headquartered in Zurich, with a secondary office in Basel and approximately 80 employees. The company serves Swiss occupational pension institutions (Vorsorgeeinrichtungen) and corporations with eight professional service lines: pension fund consulting, pension fund administration (including interim management), legal advisory (reglement formulation, partial liquidation, benefit case outsourcing), international accounting under IFRS/US-GAAP for approximately 300 companies, M&A-related due diligence and pension restructuring, insurance and reinsurance solutions, asset-liability-management (ALM) investment advisory, and training/events.

Its core technology consists of self-developed, proprietary IT tools that perform valuation and accounting to international standards for ~300 corporate clients, supplemented by two digital portals (PK/S.Live Employer Portal and PK/S.Live Insured Person Portal) that enable secure digital document exchange for pension administration clients. The firm is explicitly independent of banks, life insurance companies, and auditing firms, positioning it as a neutral advisor in a heavily regulated Swiss market where BVG/occupational pension expertise, CSEP-certified pension experts (held by multiple executive team members), and 60+ years of accumulated regulatory experience constitute the core competitive position.

Libera's business model is B2B professional services, with quote-based engagements sold directly to pension fund trustees, corporate HR, and management through its Zurich and Basel offices. Marketing is conducted via the annual Libera Forum, a multilingual annual social insurance brochure (DE/FR/IT/EN), recurring specialist articles in publications such as Schweizer Personalvorsorge and HR Today, and LinkedIn. The ownership is privately held with no external institutional investors disclosed, and the executive board consists of Dr. Benno Ambrosini (Managing Director), Dr. Matthias Wiedmer, Dr. Ruben Lombardi, and Ueli Höhn.

Name

Libera

Legal name

Libera AG

Website

https://libera.ch

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

51–100 employees

Short description

Libera AG is an independent Swiss occupational pension consulting and administration firm, founded in 1963, serving pension funds and corporations from Zurich and Basel with approximately 80 employees. It offers consulting, administration, legal advisory, IFRS/US-GAAP accounting, ALM, and due diligence services across roughly 500 client relationships.

Ownership category

akta.pro rank

Product category

Pension Fund Consulting

NAICS

Finance and Insurance (52), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Services-Management Consulting Services (8742), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

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

Keywords

• Pension fund consulting
• Occupational benefits advisory
• Actuarial consulting services
• Pension fund administration
• International pension accounting

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Pension Fund Consulting Services: Advisory services for pension funds including strategic consulting, risk assessment, and actuarial services
2. Pension Fund Administration Services: Technical and administrative management of pension funds, including interim management services
3. Legal Advisory Services: Outsourcing of benefit cases, legal writings in occupational benefits area, regulations formulation, and complex procedures such as partial liquidation
4. International Accounting Services: Valuation and accounting according to international accounting standards (IFRS, US-GAAP) for approximately 300 companies
5. Due Diligence Services: Neutral assessment of pension solutions during company acquisitions or sales, including redesign of pension solutions post-acquisition
6. Insurance Solutions: Optimal insurance solutions for companies and retrocession solutions for pension funds, including contract document review and individual support
7. ALM Services: Asset-Liability-Management consulting to ensure medium to long-term coverage of pension liabilities by available assets
8. Training and Events: Training courses and events for foundation council members, employees, and insured persons in professional pension matters

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Libera AG is an independent Swiss pension fund consulting and administration firm that provides specialist advisory, actuarial, accounting, and full administration services to occupational pension funds and corporate clients. The firm advises more than 25 pension funds (including 10+ pension foundations) and over 200 corporations on occupational benefits, and operates self-developed IT tools to support international pension accounting under Swiss GAAP FER, IFRS, and US GAAP.

Product overview

Libera AG operates as a unified service portfolio centered on occupational pension fund consulting and administration in Switzerland. The company offers eight core consulting and administrative service lines (pension fund consulting, administration, legal advice, international accounting, due diligence, insurance solutions, ALM/investment advisory, and training/events), supplemented by two digital portals (PK/S.Live Employer Portal and PK/S.Live Insured Person Portal) for secure digital document exchange. The company also publishes the annual 'Social Insurance in Switzerland' brochure covering AHV, BVG, UVG, and KVG. Services are delivered from two Swiss offices (Zurich and Basel) by approximately 80 employees, serving approximately 300 companies for international accounting services. Libera maintains independence from banks, insurance companies, and audit firms.

Differentiator

Problem solved

Functional benefit

Products and services

• Pension Fund Consulting and Advisory Specialist consulting and advice on pension funds for occupational pension clients — advising more than 25 pension funds (including 10+ pension foundations) and over 200 corporations on occupational benefits, under Swiss Federal Law on Occupational Retirement, Survivors and Disability Insurance (BVG).
• Independent Expert Opinions (Expert Opinions / Versicherungstechnisches Gutachten) Independent expert opinions in occupational benefits, including actuarial expert opinions and expert reviews issued under pension law for foundations, funds, and corporate clients.
• Actuarial Services (Aktuarielle Dienstleistungen) Specialist actuarial services for occupational pension funds and corporations, supporting valuation, regulatory reporting, and pension plan decision-making.
• Employer Advisory on International Pension Accounting Employer-side advice on occupational benefits, with a focus on advice for internationally mobile employees, cross-border pension arrangements, and international accounting (US GAAP, IFRS, Swiss GAAP FER), supported by self-developed IT tools.
• Pension Fund Administration and Accounting Processing (Pensionsverwaltung und Buchhaltung) Full pension fund administration and accounting processing as an outsourced back-office service, leveraging the firm's self-developed IT tools to manage pension plan data and financial reporting for clients.
• Pension Plan Participant Services and Employer Pension Portal Client self-service portal for pension plan participants (for example, address changes) and an employer pension portal, delivered as part of the firm's pension administration offering.

Quantifiable outcome

• Serves approximately 300 companies for international accounting
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered minor.

• Swiss National Bank (SNB)minorOthersSNB experts (Roman Baumann - Head of Asset Management, and Jonas Stulz - Head of Portfolio Management) have presented at Libera Forum events on topics including interest rate development, inflation, and macroeconomic environment.
• BVK (Pension Fund)minorOthersDr. Thomas R. Schönbächler, President of BVK Management, participated in Libera Forum 2025 discussing generational responsibility and dialogue with insured persons.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• KPMG Switzerland: Big-4 firm offering pension consulting, actuarial, and international accounting services in Switzerland. Directly comparable on the international accounting and pension advisory lines that are core to Libera.
• Mercer: Global consulting leader (operating as Marsh McLennan) with a long-standing Swiss pension and benefits advisory practice. Competes with Libera on occupational pension consulting, ALM, and international accounting for multinational clients, but at much greater scale and as part of a broader HR/benefits portfolio.
• WTW (Willis Towers Watson): Global advisory firm with significant Swiss occupational pension consulting presence. Competes with Libera across pension fund consulting, ALM, international accounting (IFRS/US-GAAP), and M&A due diligence, but offers these as part of a broader risk/insurance/HR advisory platform.
• Deloitte Switzerland: Big-4 firm with a Swiss pensions practice covering actuarial, ALM, accounting, and HR transformation. Competes with Libera on pension advisory for large Swiss employers with international reporting requirements.
• PwC Switzerland: Big-4 firm with a Swiss pensions and international accounting practice. Competes with Libera on IFRS/US-GAAP pension accounting and M&A due diligence, though positioned as part of an audit and broader advisory practice.
• Aon: Global professional services firm with a Swiss pension and benefits consulting practice. Directly comparable to Libera on retirement consulting and actuarial services for multinationals, though operating as a diversified risk and human capital advisory.
• Swiss Life Pension Services: Swiss life insurance group offering pension and retirement solutions, including BVG administration and consulting. Adjacent competitor — though anchored in insurance underwriting, it overlaps with Libera in pension fund administration and ALM.
• Helvetia Insurance: Swiss insurance company with occupational pension and BVG solutions. Comparable on the insurance solutions and reinsurance (Rückdeckung) side of Libera's offering, though embedded in a broader insurance carrier model.

Direct peers

• Allvisa AG: Swiss specialist offering pension fund administration, actuarial consulting, and insurance brokerage for occupational pension institutions. A close peer of Libera in the Swiss BVG market with a comparable niche focus on Vorsorgeeinrichtungen.

Emerging players

• C-alm AG: Swiss boutique ALM and investment consulting firm serving pension funds. Overlaps directly with Libera's ALM/Anlageberatung service line, focused on asset-liability modeling for Swiss Vorsorgeeinrichtungen.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/liberaag
• LinkedInlinkedin.com/company/libera-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Libera