Stichting Pensioenfonds voor Fysiotherapeuten

What Stichting Pensioenfonds voor Fysiotherapeuten does

Stichting Pensioenfonds voor Fysiotherapeuten (SPF) is a Dutch occupational pension fund (beroepspensioenfonds) that administers mandatory pension provision for physiotherapists working in primary care (1e lijn) in the Netherlands. Participation is a legal requirement for the profession, making SPF the default pension vehicle for this occupational group. The fund operates a flexible defined contribution scheme (premieovereenkomst) following its transition from a defined benefit arrangement on October 1, 2025 under the Wet toekomst pensioenen (Future Pensions Act), with participants accumulating pension capital invested via lifecycle risk profiles (Meer risico, Gemiddeld risico, Minder risico) and choosing at retirement between a Collectief Variabel Pensioen (CVP) or a fixed pension purchased externally.

SPF's product surface covers Ouderdomspensioen (old-age pension from age 67), Partnerpensioen (survivor pension), Wezenpensioen (orphan pension to age 25), and optional PVI-Verzekering (premium exemption insurance for occupational disability). Participants access services through the Mijn pensioen self-service portal (authenticated via DigiD), supported by a website (fysiopensioen.nl), monthly Fysiomagazine newsletter, an educational video library, webinars, and the Pensioenacademie e-learning platform. The fund integrates with national pension infrastructure including Mijnpensioenoverzicht.nl (cross-provider pension overview) and Mijnwaardeoverdracht.nl (inter-fund value transfers).

Revenue is generated through mandatory pension premiums: 14.25% of pension base for employees and 10.00% for self-employed physiotherapists, applied to income above a €15,308 franchise up to capped pensionable income ceilings (€38,611 for employees, €47,765 for self-employed, 2026 figures), plus risk premiums for partner and orphan coverage and an 8.90% administration cost component. Fund administration, contribution processing, and pension payments are fully outsourced to Achmea Pensioenservices under a data processing agreement. SPF is participant-owned, governed by a board and verantwoordingsorgaan with participant interests represented by Deelnemersvereniging DPF; it has no parent company and no external investors.

Name

Stichting Pensioenfonds voor Fysiotherapeuten

Legal name

Stichting Pensioenfonds voor Fysiotherapeuten

Website

https://fysiopensioen.nl

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Stichting Pensioenfonds voor Fysiotherapeuten (SPF) is the mandatory Dutch occupational pension fund for physiotherapists in primary care. It administers a flexible defined contribution scheme covering old-age, partner, and orphan pensions via the Mijn pensioen portal, with administration outsourced to Achmea Pensioenservices.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund Services

NAICS

Pension Funds (525110)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Occupational pension fund
• Defined contribution pension
• Retirement income planning
• Survivor benefits insurance
• Pension administration

GTM type

B2C

Offering type

Services

Cost components

Operations, Others, Personnel, Technology or R&D

Revenue model

1. Pension premiums: SPF generates revenue through mandatory pension premiums paid by participating physiotherapists. Premium rates are 14.25% of the pension base for employees in employment and 10.00% for self-employed physiotherapists. Additional components include risk premiums for partner and orphan pensions, administration costs, and minimum required equity contributions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

SPF is the mandatory occupational pension fund for physiotherapists working in primary care in the Netherlands, administering a flexible defined contribution pension scheme (premieovereenkomst) under the Wet toekomst pensioenen. The fund collects percentage-based pension premiums from both employed and self-employed physiotherapists, invests contributions through lifecycle risk profiles, and pays out old-age, partner, and orphan pensions at retirement or upon death. Services are delivered to members via the Mijn Pensioen self-service portal with administration outsourced to Achmea Pensioenservices.

Product overview

SPF operates as a professional pension fund (beroepspensioenfonds) exclusively for physiotherapists in primary care, offering a flexible defined contribution pension scheme. The core product is the Pensioenregeling, a premieovereenkomst where participants build pension capital through contributions invested via lifecycle profiles (Meer risico, Gemiddeld risico, or Minder risico). At retirement, participants choose between Collectief Variabel Pensioen (variable pension with collective investment and smoothing mechanisms) or Vast Pensioen (fixed pension from an external provider). Supplementary products include Partnerpensioen (survivor pension), Wezenpensioen (orphan pension), and Ouderdomspensioen (old-age pension). Participants access services through the Mijn Pensioen online portal with optional PVI-Verzekering for disability coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Pensioenregeling bij SPF (Pension Scheme) Flexible defined contribution pension scheme (premieovereenkomst) for physiotherapists in primary care in the Netherlands; participants accumulate pension capital through contributions invested according to their chosen risk profile, which is then converted into a variable or fixed pension at retirement.
• Collectief Variabel Pensioen (CVP) Collective variable pension arrangement where participant pension capital is invested jointly with uniform investment results; pension amounts can increase or decrease annually based on investment performance, with risk mitigation through a 3-year smoothing mechanism and a risk-sharing reserve.
• Vast Pensioen (Fixed Pension) Fixed pension option purchased from an external insurer or pension fund (not available directly at SPF); provides guaranteed monthly payments with no investment risk but no inflation adjustment.
• Partnerpensioen (Partner Pension) Survivor pension providing monthly payments to the surviving partner upon the participant's death, whether before or after the retirement date; members can opt to exchange part of the partner pension for a higher old-age pension.

Quantifiable outcome

• Children receive orphan pension until age 25 upon death of participant (increased from 23)
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• Achmea PensioenservicescoreImplementation/ SI/ Consulting PartnerAchmea Pensioenservices is the pension administration partner that executes SPF's pension scheme and handles pension payments. They process personal data, manage contributions, and ensure pension payments to participants. SPF and Achmea have agreements in place to protect privacy and data security, governed by a data processing agreement.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Others

• APG: Largest pension administrator and asset manager in the Netherlands, providing services for major Dutch funds including ABP. Key infrastructure provider in the Dutch pension ecosystem and a competitor to Achmea Pensioenservices in the third-party administration market.
• PGGM: Major Dutch pension services provider offering administration and asset management for PFZW. Directly competes with Achmea Pensioenservices for third-party administration mandates from Dutch beroepspensioenfondsen including SPF.
• Achmea Pensioenservices: SPF's core pension administration partner and one of the largest pension service providers in the Netherlands. Provides back-office administration, contribution processing, and pension payments for multiple Dutch pension funds; functionally a critical enabler rather than a competitor.

Broad incumbents

• PFZW (Pensioenfonds Zorg en Welzijn): Major Dutch pension fund for the healthcare and welfare sector, covering professionals in adjacent healthcare occupations (though physiotherapists fall outside its scope). Operates under WTP with the same compliance requirements and similar product philosophy.
• ABP (Algemeen Burgerlijk Pensioenfonds): The largest pension fund in the Netherlands, serving government and education employees. Operates under the same WTP regulatory framework but on a vastly different scale and membership base, making it a broad incumbent comparable in regulatory exposure rather than direct competition.

Direct peers

• Stichting Pensioenfonds Apothekers (PNO/PAK): Dutch occupational pension fund for pharmacists, a beroepspensioenfonds with comparable structure, mandatory participation rules, and WTP transition profile to SPF.
• Stichting Pensioenfonds Notariaat (SPN): Dutch occupational pension fund for notaries, organized as a stichting with mandatory participation for the profession. Comparable governance model and product structure to SPF, serving a similarly sized self-employed-heavy professional base.
• Pensioenfonds Dierenartsen: Dutch beroepspensioenfonds for veterinarians, another profession-specific mandatory pension fund navigating the same WTP transition with comparable premium structure, product set, and small-membership footprint similar to SPF.
• Stichting Pensioenfonds Huisartsen (SPH): Dutch occupational pension fund (beroepspensioenfonds) for general practitioners, operating under the same mandatory participation model and WTP regulatory framework. Closest peer to SPF in structure, governance, and product offering, but serves a different healthcare profession.

Emerging players

• Brand New Day: Modern Dutch pension provider (premieovereenkomst/DC specialist) competing for self-employed professionals and small-business retirement schemes. Represents the emerging digital-native alternative that may eventually encroach on SPF's self-employed physiotherapist segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/stichting-pensioenfonds-voor-fysiotherapeuten

Revenue estimate

Valuation estimate

Number of profiles

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 Stichting Pensioenfonds voor Fysiotherapeuten