Pensioenfonds Vervoer

What Pensioenfonds Vervoer does

Pensioenfonds Vervoer (Stichting Pensioenfonds Vervoer, DBA: BPF Vervoer) is a mandatory Dutch sectoral pension fund (bedrijfstakpensioenfonds) founded in 1964 and headquartered in Groningen. The fund administers retirement, survivor, and disability benefits for 669,618 participants across four transport sub-sectors: commercial goods transport (beroepsgoederenvervoer), closed bus transport, taxi transport, and crane rental. Participation is mandated through collective labor agreements (CAOs) covering 8,789 affiliated employers, creating a structurally captive participant base. The fund manages €34.8 billion in investments with a current coverage ratio of 127.5% and a policy coverage ratio of 121.0% as of year-end 2025.

The fund's product stack comprises a participant self-service portal (MijnOmgeving) authenticated via DigiD or eIDAS, an employer portal (Werkgeversportaal) using eHerkenning, and a scenario-based Pensioenplanner tool for retirement modeling. Pension administration is outsourced to TKP Pensioen B.V. Optional add-on products include excedent coverage for salaries above €79,409 (up to €137,800), temporary extra partner pension, and the Zwaarwerkregeling heavy-work scheme (up to €2,357/month gross). Three regional pensioenconsulenten provide personalized consultation, supplemented by Chauffeurscafédagen events held at truck stops and the Truckstar Festival.

Revenue is generated through two primary streams: pension premium contributions (€1,514 million in 2025, collected from employers on a subscription-recurring basis tied to CAO terms) and investment returns on the €34.8 billion portfolio (-2.2% in 2025, equating to -€787 million). The fund is governed by a paritary board with equal employer (TLN, KNV) and employee (FNV, CNV Vakmensen) representation and is preparing for a structural transition to the new Dutch pension system (Wet toekomst pensioenen) planned for January 1, 2027, having completed the December 2025 collective value transfer from Pensioenfonds Rijn- en Binnenvaart and secured DNB and AFM approvals for its transition, communication, and bridging plans.

Name

Pensioenfonds Vervoer

Legal name

Stichting Pensioenfonds Vervoer

Website

https://pfvervoer.nl

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

11–50 employees

Short description

Pensioenfonds Vervoer is a mandatory Dutch sectoral pension fund founded in 1964, administering retirement benefits for 669,618 participants and €34.8 billion in assets across the goods transport, bus, taxi, and crane rental sub-sectors.

Ownership category

akta.pro rank

Product category

Occupational Pension Services

NAICS

Pension Funds (525110), Pension Funds (52511), Insurance and Employee Benefit Funds (5251), Other Insurance Funds (525190)

SIC

Life Insurance (6311)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industry

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA)

Keywords

• Occupational pension fund
• Sector pension scheme
• Pension administration
• Retirement benefits
• Pension planning tools

Headquarters

HQ city

Groningen

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. Pensioenpremies (Pension Premiums): The fund collects pension contributions from employers on behalf of active participants. Premium contributions in 2025 amounted to €1,514 million. The gedempte kostendekkende premie (adjusted cost-covering premium) was €1,354 million.
2. Beleggingsresultaten (Investment Returns): Returns from the fund's investment portfolio. In 2025, the fund achieved a return of -2.2% with investment results of -€787 million. Total investment portfolio value was €34,781 million.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Pensioenfonds Vervoer is a mandatory sectoral pension fund (bedrijfstakpensioenfonds) that administers occupational pension benefits for approximately 669,618 participants in the Dutch commercial goods transport, closed bus, taxi, and crane rental sectors. The fund collects pension contributions from affiliated employers, invests the assets across a diversified portfolio, and pays out retirement, partner, orphan, and disability-linked benefits. Services are delivered through a participant self-service portal, an employer administration portal, a pension planning tool, regional pension consultants, and pension-related insurance add-ons.

Product overview

Pensioenfonds Vervoer is a mandatory occupational pension fund for the Dutch transport and logistics sector, administering pension benefits for approximately 669,618 participants across four sectors (commercial freight transport, crane rental, closed bus transport, and taxi). The offering consists of a participant portal (Mijn Pensioen) for active and retired members to view statements, make pension plans, and submit applications; an employer portal (Werkgeversportaal) for managing employee registrations and payroll data; and the Pensioenplanner tool for retirement scenario planning. Optional add-on products include excedent pensions for higher earners, temporary extra partner pensions, and a heavy work scheme for commercial transport workers. Core information products include the Pensioen 1-2-3 educational framework and annual pension statements with purchasing power projections.

Differentiator

Problem solved

Functional benefit

Products and services

• Mijn Pensioen Participant Portal (MijnOmgeving)
• Werkgeversportaal (Employer Portal)
• Pensioenplanner (Pension Planner)
• Pensioenaanvraag (Pension Application)
• Excedentpensioen (Excedent Pension)
• Zwaarwerkregeling Beroepsgoederenvervoer (Heavy Work Scheme)
• Tijdelijk Extra Partnerpensioen (Temporary Extra Partner Pension)
• Pensioen 1-2-3

Quantifiable outcome

• Coverage ratio increased from 111.3% (2024) to 127.5% (2025)
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Autoriteit Financiële Markten (AFM)coreOthers · 22 December 2025Supervisory authority for behavior and information disclosure. Approved the communication plan for the new pension scheme on December 22, 2025.
• De Nederlandsche Bank (DNB)coreOthers · 19 November 2025Primary supervisory authority for Dutch pension funds. Approved the bridging plan (overbruggingsplan) and is reviewing the implementation plan for the new pension scheme.
• TKP Pensioen B.V.coreImplementation/ SI/ Consulting PartnerTKP Pensioen B.V. handles the pension administration for Pensioenfonds Vervoer, including processing contributions, calculating benefits, and maintaining participant records. They also manage the call center and chat functionality, and record phone calls for staff training and fraud prevention.
• Belastingdienst (Dutch Tax Authority)coreOthersPersonal data is shared with the Tax Authority for tax reporting on pension contributions and benefits.
• UWV (Employee Insurance Agency)coreOthersData exchange with UWV for disability insurance (WIA) pension supplementation.
• MijnOverheidminorOthersIntegration with government messaging system (Berichtenbox) for official communications.
• WWplus / Stichting RVU BeroepsgoederenvervoercoreOthersWWplus executes the Zwaarwerkregeling (heavy work scheme) for the goods transport sector, allowing early retirement for workers in physically demanding jobs. Pensioenfonds Vervoer sends letters to eligible workers and provides pension planning support.
• Dienst Uitvoering Onderwijs (DUO)minorOthersData exchange for orphan pension (wezenpensioen) administration.
• Herverzekeraars (Reinsurers)minorOthersReinsurance for temporary survivor pension (tijdelijk nabestaandenpensioen) and excedent WIA supplementation.
• PwC (PricewaterhouseCoopers)coreOthersIndependent auditor providing audit opinion on the annual accounts. Materiality set at €145 million for 2025 audit.
• Achmea Investment ManagementcoreOthersESG service provider for sustainable investment reporting (SFDR compliance). Monitors ESG profile of portfolio and carbon footprint against benchmarks.
• Cao-partijen (Social Partners)coreStrategic or Co-development PartnerFNV, CNV Vakmensen (trade unions), TLN (Transport en Logistiek Nederland), and KNV (employer organizations) negotiated the new pension scheme terms. They set the parameters for transition to new regulations planned for January 1, 2027.

Scale indicators9 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• APG: Largest Dutch pension administrator and asset manager, executing services for ABP and others. Comparable in pension-administration scale and AUM management but operates as a broader service provider rather than a single sectoral fund.
• PGGM: Major Dutch pension administrator and asset manager for PFZW and others. Comparable in administering mandatory Dutch pension schemes and in managing transition to the new Wet toekomst pensioenen, but as a broader multi-fund service provider.

Others

• Pensioenfederatie: Dutch pension industry trade association representing all Dutch pension funds. Pensioenfonds Vervoer's chairman (F. Veltink) joined its board in 2025. Comparable as a sector-shaping entity but not a direct competitive fund.
• TKP Pensioen: Pension administration service provider that runs back-office processing for Pensioenfonds Vervoer (and others). Comparable as a critical service provider in the Dutch pension ecosystem and indirect operational peer via shared infrastructure.

Direct peers

• PFZW (Pensioenfonds Zorg en Welzijn): Dutch sectoral pension fund for the care and welfare sector. Directly comparable in structure (mandatory sectoral fund, paritary governance, ~€250B AUM analog) and in undergoing the same Wet toekomst pensioenen transition.
• Bpf Bouw (Pensioenfonds Bouw): Sectoral pension fund for the Dutch construction industry. Closely comparable operating model — mandatory participation via CAO, employer portal, similar scale (~€50-60B AUM), and similar transition challenges under the new Dutch pension law.
• ABP (Algemeen Burgerlijk Pensioenfonds): The largest Dutch sectoral pension fund, covering government and education employees. Highly comparable as a mandatory bedrijfstakpensioenfonds administering retirement benefits for a designated Dutch workforce under collective labor agreements.
• Pensioenfonds Detailhandel: Dutch sectoral pension fund for the retail sector. Comparable in structure and size, and currently navigating the same new pension system transition. Notably, a Pensioenfonds Vervoer supervisory board member also serves as chairman here.
• PMT (Pensioenfonds Metaal & Techniek): Dutch sectoral pension fund for the metalworking and technical industries. Highly comparable as a mandatory bedrijfstakpensioenfonds serving a designated industrial workforce with similar participant scale and product offerings.
• Bpf Zuivel: Dutch sectoral pension fund for the dairy industry. Directly comparable mandatory sectoral model with similar governance (paritary board, supervisory board) and is also preparing for the 2027 pension system transition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 Pensioenfonds Vervoer