Versorgungswerk Zahnärztekammer Berlin

What Versorgungswerk Zahnärztekammer Berlin does

Versorgungswerk der Zahnärztekammer Berlin K.d.ö.R. (VZB) is a mandatory professional pension fund for licensed dentists, organized as a Körperschaft des öffentlichen Rechts (public-law corporation) under the umbrella of the Berlin Dental Chamber. It serves approximately 11,000 members across the dental chambers of Berlin, Brandenburg, and Bremen, providing statutory pension benefits including old-age pension (Altersrente), occupational disability pension (Berufsunfähigkeitsrente), survivor benefits (Hinterbliebenenrente), rehabilitation subsidies, pension adjustment (Versorgungsausgleich), and lump-sum capital settlements. Membership is automatic upon joining one of the three participating chambers, and the Berlin Senate Administration for Science, Health and Care (Senatsverwaltung für Wissenschaft, Gesundheit und Pflege) acts as regulatory supervisor.

The fund's technology footprint centers on the Mitgliederportal, a digital self-service platform developed jointly with another pension fund that enables annuity projections, contribution management, and secure submission of applications and documents. A complementary electronic employer reporting procedure (DASBV) supports mandatory income and contribution data submission under § 28a SGB IV, and a digital exemption application process (Elektronischer Befreiungsantrag) has been mandatory for employed members since 1 January 2023. Supporting tools include the Anwartschaftsrechner (annuity projection calculator) and a Formularcenter of fillable PDF forms.

VZB's economic model is built on mandatory monthly contributions collected from members; the 2025 standard contribution is 1,529.50 EUR/month, with reduced rates (153.00 EUR/month) for newly self-employed dentists in their first calendar year and income-based reductions available upon application. Because contributions are statutorily defined public charges, the revenue base is highly predictable and legally enforced, as confirmed by the VG Berlin ruling of 27 April 2026 (case 9 L 14/26). The fund is currently navigating a major investment scandal in which more than half of its former 2.2 billion EUR asset base has been lost under prior leadership, prompting comprehensive litigation against twelve defendants and ongoing criminal investigations.

Name

Versorgungswerk Zahnärztekammer Berlin

Legal name

Versorgungswerk der Zahnärztekammer Berlin K.d.ö.R.

Website

https://vzberlin.org

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

11–50 employees

Short description

Versorgungswerk Zahnärztekammer Berlin is a mandatory public-law professional pension fund serving approximately 11,000 licensed dentists across Berlin, Brandenburg, and Bremen, providing old-age, disability, and survivor benefits financed through statutorily enforced monthly contributions and administered via a digital member portal.

Ownership category

akta.pro rank

Product category

Professional Pension Fund

NAICS

Pension Funds (525110)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

Keywords

• Professional pension fund
• Occupational retirement scheme
• Dental pension insurance
• Statutory pension provision
• Public-law pension corporation

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mandatory Member Contributions: As a statutory professional pension fund, VZB generates revenue through mandatory contributions from its approximately 11,000 members. Contributions are based on income levels and are mandatory for all members of the dental chambers in Berlin, Brandenburg, and Bremen. The standard monthly contribution is 1,529.50 EUR (2025), with reduced rates available for newly self-employed members and income-based reductions upon application.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

The Versorgungswerk Zahnärztekammer Berlin is a public-law pension corporation (Körperschaft des öffentlichen Rechts) founded in 1965 that administers the mandatory professional pension scheme for dentists in Berlin, Brandenburg, and Bremen. It collects statutorily required contributions from members and pays out retirement, occupational disability, and survivor benefits under the dental professional pension framework.

Product overview

VZB is a professional pension fund (berufsständische Versorgungseinrichtung) for dentists serving the chamber regions of Berlin, Brandenburg, and Bremen, with approximately 11,000 members. The core offering centers on statutory pension and insurance benefits including old-age pensions, occupational disability pensions, and survivor benefits. The primary digital products are the Mitgliederportal (member portal) for self-service annuity calculations and secure document submission, and the Elektronisches Arbeitgebermeldeverfahren (DASBV) for mandatory electronic employer reporting. Supporting services include rehabilitation subsidies, pension adjustment (Versorgungsausgleich), and lump-sum capital settlements. The Formularcenter provides fillable PDF forms, and an Anwartschaftsrechner enables members to project future pension entitlements.

Differentiator

Problem solved

Functional benefit

Products and services

• Mandatory professional pension insurance (Pflichtversicherung) Statutorily required pension insurance covering dentists in Berlin, Brandenburg, and Bremen, providing the core membership-based pension obligation under the dental chamber framework.
• Old-age pension benefit (Altersrente) Retirement income benefit paid to members upon reaching the statutory retirement age, based on accumulated contributions and actuarial calculation.
• Occupational disability pension (Berufsunfähigkeitsrente) Pension benefit provided to members who become occupationally disabled and unable to continue practicing dentistry, replacing lost earning capacity.
• Survivor's benefit (Hinterbliebenenversorgung) Pension benefits paid to surviving spouses and dependents of deceased members to provide family financial protection.
• Voluntary additional contributions (freiwillige Mehrleistungen) Optional top-up contributions that members can make above the mandatory contribution level to increase their retirement benefit entitlement.

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• Ingo Rellermeier (Former Chairman of Verwaltungsausschuss)minorOthers · 1 October 2025Former chairman of the VZB Verwaltungsausschuss. Alleged to have led the fund to invest in high-risk, illiquid assets in violation of laws and internal guidelines over more than a decade. VZB filed a lawsuit against him for damages.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Versorgungswerk der Zahnärztekammer Hessen: Mandatory Versorgungswerk for dentists in Hessen, operating the same model of statutory pension contributions, defined benefits, and public-law governance as VZB for a regional dentist population.
• Bayerisches Versorgungswerk der Zahnärzte: Mandatory professional pension fund for dentists in Bavaria, organized as a public-law entity under the Bavarian Dental Chamber - directly comparable to VZB in organizational model, contribution structure, and benefit offerings, just serving a different regional membership.
• Versorgungswerk der Zahnärztekammer Niedersachsen: Statutory pension fund for dentists in Lower Saxony, structured identically to VZB as a public-law corporation under the regional dental chamber with mandatory membership and comparable benefit offerings.
• Berliner Ärzteversorgung: Mandatory professional pension fund for physicians in Berlin, structured as a public-law entity under the Berlin Medical Chamber - directly comparable organizational model to VZB, just for the physician rather than dentist profession in the same city.
• Versorgungswerk der Zahnärztekammer Westfalen-Lippe: Professional pension fund for dentists in Westfalen-Lippe operating under the same mandatory membership model as VZB. Direct comparator in pension fund structure, statutory benefits, and public-law regulatory supervision.
• Versorgungswerk der Rechtsanwaltskammer Berlin: Statutory pension fund for lawyers in Berlin under public law - same organizational structure and mandatory membership model as VZB, but serving the legal profession in the same city.

Others

• apoBank (Deutsche Apotheker- und Ärztebank): Banking partner serving healthcare professionals and Versorgungswerke across Germany, including VZB. While not a pension fund itself, it serves as the primary financial services provider for this ecosystem and is named as a defendant in VZB's damages lawsuit.

Broad incumbents

• Allianz Lebensversicherung: Germany's largest life insurer offering pension and annuity products competing for the same retirement savings pool as VZB, though operating as a commercial entity rather than a public-law Versorgungswerk.
• Deutsche Rentenversicherung: Germany's statutory pension insurance system covering the vast majority of workers. Operates as a public-law entity similar in governance structure to VZB but at vastly larger scale and for the general workforce rather than dentists specifically.
• Bayerische Versorgungskammer: Germany's largest public-law pension and insurance provider for multiple professional groups (physicians, dentists, pharmacists, architects, engineers) in Bavaria. Operates the same Versorgungswerk model as VZB but at much larger scale and across multiple professions.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments8 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Versorgungswerk Zahnärztekammer Berlin