What Stabilita dds does

STABILITA, d.d.s., a.s. is a Slovak licensed supplementary pension company (doplnková dôchodková spoločnosť) operating in the third pillar (III. pilier) of Slovakia's pension system. Founded in 1996 and headquartered in Košice, the company manages five supplementary pension funds on behalf of approximately 250,000 individual participants and contracts with more than 8,000 employers that provide supplementary pension as an employee benefit. Total assets under management across the five funds stood at roughly 636.6 million EUR as of July 2026, with the Vyvážený (Balanced) fund alone holding approximately 425.6 million EUR.

The company's core offering spans a risk-graded fund suite — Konzervatívny (Conservative), Vyvážený (Balanced), Akciov?? (Equity, actively managed), Indexový (Index, passively tracking MSCI World), and Výplatný (Distribution) for benefit recipients — augmented by Program IPZC, an algorithm-driven lifecycle rebalancing product that automatically shifts participants aged 55–64 from growth-oriented funds into the Conservative fund over a period of up to 10 years. Supporting infrastructure includes the STABILITA Portál (client portal), an eZmluvy (e-contracts) onboarding platform, an online retirement calculator, a fund selection questionnaire, and a network of 10 client centers distributed across major Slovak regional cities. The company is regulated by the National Bank of Slovakia under Zákon č. 650/2004 Z.z.

Revenue is generated primarily through recurring fees on the supplementary pension contributions pooled and invested across the five funds, supplemented by modest per-transaction service fees for extraordinary statements, contract copies, and contribution confirmations (each priced at 2.00–4.00 EUR effective April 2016). Distribution is sales-led, combining direct employer contracting with physical client centers and self-serve digital channels; the marketing mix emphasizes content, social media, and a periodical magazine (Spravodajca). No public revenue disclosure is available.

Name

Stabilita dds

Legal name

STABILITA, d.d.s., a.s.

Website

https://stabilita.sk

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Slovak licensed supplementary pension company (III. pillar) managing five risk-graded pension funds for ~250,000 participants and 8,000+ employers, with ~636.6M EUR AUM as of July 2026.

Ownership category

akta.pro rank

Product category

Pension Fund Management

NAICS

Pension Funds (525110), Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Supplementary pension savings
• Pension fund management
• Retirement planning services
• Employer pension benefits
• III. pillar pension

Headquarters

HQ city

Kosice

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Supplementary Pension Contributions: Collects contributions from participants (individuals) and employers who provide supplementary pension as an employee benefit. Contributions are pooled and invested across five fund types (Conservative, Balanced, Equity, Index, Distribution funds).
2. Service Fees: Charges fees for extraordinary services including account statements (2,00 EUR), contract copies (2,00-4,00 EUR), and confirmation of paid contributions (2,00 EUR). Annual account statements are provided free of charge.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

STABILITA, d.d.s., a.s. manages five supplementary pension funds under Slovakia's III. pension pillar — Konservative (low-risk), Balanced (medium-risk), Equity (actively managed, high-risk), Index (passive MSCI World tracker, high-risk), and Distribution (for benefit recipients) — accepting contributions from individual participants and employers and investing them across diversified asset classes. The IPZC lifecycle program automatically de-risks participant portfolios as they approach retirement, while ancillary tools (retirement calculator, fund selection guide, online portal, e-contracts, and 10 client centers) support enrollment and ongoing servicing.

Product overview

Stabilita d.d.s., a.s. is a supplementary pension company (doplnková dôchodková spoločnosť) operating the III. pillar of Slovakia's pension system. The company offers five supplementary pension funds: two low/medium-risk options (Konzervatívny and Vyvážený príspevkový), two high-risk equity options (Akciový príspevkový actively managed and Indexový príspevkový passively tracking MSCI World), and a Výplatný fund for benefit recipients. The portfolio is complemented by the Program investovania podľa životného cyklu (IPZC), an automated life-cycle investment program that transitions participants aged 55-64 from growth to conservative strategies. Additional services include a pension calculator, fund selection guide, online participant portal, electronic contracts, and 10 client centers nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Konzervatívny príspevkový d.d.f. (Conservative supplementary pension fund) A low-risk supplementary pension fund investing predominantly in bonds and money market instruments. Aimed at conservative participants, those approaching retirement age, or those seeking capital stability in volatile markets.
• Vyvážený príspevkový d.d.f. (Balanced supplementary pension fund) A medium-risk supplementary pension fund investing across bonds, equities, money market instruments and other assets, targeting average long-term returns with balanced risk exposure. Net asset value approximately EUR 425.6 million as of July 2026.
• Akciový príspevkový d.d.f. (Equity supplementary pension fund) An actively managed high-risk supplementary pension fund investing primarily in equities, with bonds and money market instruments, targeting above-average long-term growth over investment horizons of 15+ years.
• Indexový príspevkový d.d.f. (Index supplementary pension fund) A passively managed high-risk supplementary pension fund tracking the MSCI World index of developed-market global equities. Designed for participants aged 18–45 with investment horizons exceeding 15 years.
• Výplatný d.d.f. (Distribution supplementary pension fund) A low-risk supplementary pension fund for beneficiaries currently receiving supplementary pension benefits. Invested in bonds and money market instruments to preserve capital and ensure liquidity for ongoing pension payments.
• Program IPZC — Program investovania podľa životného cyklu (Investment Lifecycle Program) A proprietary, algorithm-driven automated program available to participants aged 55–64 that systematically rebalances assets from Index, Equity and Balanced funds into the Conservative fund over a 1–10 year window, reducing market risk before retirement without requiring participant action.

Quantifiable outcome

• 250,000 satisfied participants
• +2 more outcomes

Named customers4 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

Scale indicators9 records

Direct peers

• Allianz – Slovenská poisťovňa (DDS): Major Slovak insurance and supplementary pension provider offering III. pillar products under the same regulatory regime. Competes head-to-head with Stabilita for retail participants and corporate employer schemes, with broader parent-group financial-services resources.
• NN DSS (NN Tatry-Sympatia): One of the largest licensed supplementary pension companies (DDS) in Slovakia, offering III. pillar pension savings to individuals and employers under the same Slovak law 650/2004 framework as Stabilita. Directly competes for the same participant base and employer contracts in the Slovak supplementary pension market.
• UNIQA DDS: Slovak-licensed supplementary pension company within the UNIQA insurance group, offering III. pillar products to individuals and employers across Slovakia. Competes for the same participant and employer customer base as Stabilita.
• Generali Slovensko (DDS): Licensed Slovak supplementary pension company and part of the Generali Group, offering III. pillar savings alongside insurance products. Directly competes with Stabilita in the same regulated Slovak DDS market segment.
• Wüstenrot – Slovenská sporiteľňa DDS: Slovak supplementary pension company operating in the III. pillar market, leveraging the Wüstenrot building-society/savings brand for distribution. Competes with Stabilita for individual and employer pension contracts in Slovakia.
• VÚB Generali dôchodková správcovská spoločnosť: Slovak pension management company that historically participated in the second pillar and adjacent retirement savings. Operates in the same Slovak pension regulatory environment and competes for retirement-savings wallet share.
• Kooperativa DDS: Licensed Slovak supplementary pension company offering III. pillar savings products, part of the Vienna Insurance Group ecosystem. Operates in the same regulatory market and competes directly for employer contracts and individual savers.
• 365.invest (formerly Prvá penzijná): One of the longest-established Slovak pension management companies, operating in the retirement-savings space with multi-pillar product coverage. Directly competes with Stabilita for pension savings participants in Slovakia.

Broad incumbents

• Allianz SE (parent group): Global financial services group that owns one of Stabilita's Slovak DDS competitors. Provides a reference point on how broad incumbent groups package pension, insurance, and asset-management products versus a domestically focused specialist like Stabilita.
• NN Group (parent of NN DSS Slovakia): Large European insurance and asset-management group that owns one of Stabilita's main Slovak DDS competitors. Relevant as a broader incumbent benchmark for European retirement-savings platforms with multi-country scale.

Market position

Strengths5 records

Weaknesses5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@STABILITA_dds
• Facebookfacebook.com/stabilita.sk
• LinkedInlinkedin.com/company/stabilita-dds-a.s.
• Xx.com/stabilitarisk

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Stabilita dds