Byggnads a-kassa

What Byggnads a-kassa does

Byggnads a-kassa is a Swedish unemployment insurance fund (arbetslöshetskassa) operating as a non-profit, mutual organization. It serves workers in the construction and painting industries and is institutionally affiliated with the Byggnads trade union. The fund administers statutory unemployment benefits within Sweden's regulated a-kassa framework, providing income protection to members during periods of unemployment.

The fund delivers its services through a digital platform centered on the Mina sidor member portal, with authentication handled via BankID and Freja e-ID. It is integrated with multiple Swedish government systems — Skatteverket, Arbetsförmedlingen, Försäkringskassan, and Pensionsmyndigheten — to administer benefits, exchange earnings data, and coordinate with broader social insurance and employment services. The fund also issues U2 certificates for members seeking to work in other EU/EEA jurisdictions. Member-facing content is available in six languages, reflecting the diversity of Sweden's construction and painting workforce.

The business model is a direct-to-consumer membership subscription. Fees are 188 SEK/month for a-kassa-only membership and 179 SEK/month when bundled with Byggnads union membership. The fund is headquartered in Stockholm and operates with a small team of approximately 6 employees. It is Sweden-only in geographic scope, with no disclosed membership figures, no external funding activity, and no equity or valuation signals.

Name

Byggnads a-kassa

Legal name

Byggnads a-kassa

Website

https://byggnadsakassa.se

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Byggnads a-kassa is a Swedish non-profit unemployment insurance fund serving construction and painting industry workers, affiliated with the Byggnads trade union and operating under the national statutory a-kassa framework with digital member services and government system integration.

Ownership category

akta.pro rank

Product category

Unemployment Insurance

NAICS

Other Insurance Funds (525190), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Contractor Benefits & Perks Administration (BPACAGAJ)

akta.pro secondary industry

Eligibility, Enrollment & Benefits Administration (HLAEALAH)

Keywords

• Unemployment insurance fund
• Construction workers benefits
• Swedish a-kassa
• Income protection benefits
• Trade union membership

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Membership fees: Byggnads a-kassa generates revenue from monthly membership fees. Members who are also members of the trade union Byggnads pay 179 SEK per month. Members who are only in the unemployment insurance fund (not in the union) pay 188 SEK per month. The fee is fixed regardless of income or employment status. A 25% tax deduction is applied to membership fees annually. Payments are collected via autogiro, e-invoice, Kivra, or postal invoice.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Byggnads a-kassa is a Swedish sector-specific unemployment insurance fund that provides income replacement (up to 80% of prior earnings, capped at 34,000 SEK/month EGI) to workers in the construction and painting trades during periods of unemployment. Members pay fixed monthly membership fees (179 SEK combined with Byggnads trade union, or 188 SEK a-kassa-only) and access benefits through the digital Mina sidor portal integrated with Swedish e-identification (BankID/Freja e-ID) and government agencies for eligibility verification.

Product overview

Byggnads a-kassa operates as a single-purpose unemployment insurance fund for the Swedish construction and painting industries. The core offering is the unemployment benefits administration system, which integrates with the Mina sidor (My Pages) member portal as the central platform. Members use Mina sidor to submit monthly benefit applications (Månadsansökan), time report work activities, upload required documents, and communicate with the fund. The service portfolio includes digital membership application with BankID/Freja eID signing, automated payment options via Autogiro/e-faktura/Kivra, activity reporting to Arbetsförmedlingen, specialized forms and certificates, international work coordination services, and GDPR-compliant personal data management. All core services are accessible through the integrated digital platform, with multilingual support for Arabic, Bosnian, English, Polish, and Russian.

Differentiator

Problem solved

Functional benefit

Products and services

• Mina sidor (My Pages) Member Portal
• Unemployment Insurance Membership
• Digital Member Application
• Månadsansökan (Monthly Benefit Application)

Quantifiable outcome

• Up to 80% income replacement for members with 12+ months of continuous membership, capped at 34,000 SEK/month EGI (27,200 SEK/month after tax)
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Skatteverket (Swedish Tax Agency)coreTechnology or IntegrationByggnads a-kassa exchanges income data with Skatteverket to calculate and verify the compensation recipients receive. Income information is sourced from employer declarations submitted to the Tax Agency. This integration is fundamental to the income-based benefit calculation under the new unemployment insurance rules effective October 1, 2025.
• Arbetsförmedlingen (Swedish Public Employment Service)coreTechnology or IntegrationArbetsförmedlingen provides data on whether benefit applicants are registered as job seekers, their participation in labor market programs, and whether they are meeting their job-search obligations. The agency also notifies Byggnads a-kassa of any alleged misconduct in job searching.
• Försäkringskassan (Swedish Social Insurance Agency)coreTechnology or IntegrationFörsäkringskassan shares data on benefits paid to members (parental benefits, sick pay, rehabilitation compensation, etc.) which Byggnads a-kassa uses to calculate income-based benefits and eligibility.
• SwedbankcoreOthersAll unemployment benefits from Byggnads a-kassa are disbursed via Swedbank. Members must register a bank account for benefit payments. An agreement between Swedbank and all Swedish unemployment insurance funds governs the disbursement process.
• Fackförbundet Byggnads (Trade Union Byggnads)coreStrategic or Co-development PartnerByggnads a-kassa and trade union Byggnads share certain member data (membership status, start/end dates, reason for leaving) and jointly coordinate membership fee collection, resulting in a lower combined fee of 179 SEK/month compared to 188 SEK/month for a-kassa-only members. They are jointly responsible under GDPR Article 26 for shared data processing.
• IAF (Inspektionen för arbetslöshetsförsäkringen)minorOthersIAF is the regulatory authority overseeing Swedish unemployment insurance funds. IAF issues decisions on job-search trips abroad (U2 certificates) and receives statistical data from Byggnads a-kassa.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Hotell- och restauranganställdas a-kassa: Sector-specific Swedish a-kassa serving hotel, restaurant, and tourism workers under the HRF trade union umbrella. Operates the same mutual non-profit structure, digital portal, and government agency integrations as Byggnads a-kassa.
• Akademikernas a-kassa (AEA): Swedish a-kassa serving university graduates and academic professionals. Operates under identical IAF supervision, ALF97/ALF24 rules, and government data integrations as Byggnads a-kassa, providing a directly comparable peer across the regulated mutual-fund business model.
• Kommunals a-kassa: A-kassa tied to Kommunal, the Swedish Municipal Workers' union. Comparable in that it is a sector-specific mutual unemployment fund with combined union billing, equivalent digital member-portal functionality, and the same fee/benefit structure governed by ALF rules.
• IF Metall a-kassa: Swedish sector-specific unemployment insurance fund for metalworkers, industrial and manufacturing workers. Operates the same a-kassa legal framework, integrates with the same government agencies, and uses an analogous digital self-service portal — making it the closest functional comparable to Byggnads a-kassa within the Swedish unemployment-fund system.
• Unionen a-kassa: Sweden's largest a-kassa, affiliated with the white-collar Unionen trade union. Uses the identical regulatory framework, BankID-based digital onboarding, and Skatteverket/Arbetsförmedlingen integrations as Byggnads a-kassa, differing only in target vertical (private-sector white collar vs. construction/painting).
• Handelsanställdas a-kassa: Sector-specific Swedish a-kassa for retail and warehouse workers, administered jointly with the Handels trade union. Directly comparable along business model, member-portal design, and ALF24 transition mechanics; differs only in target trade.
• Elektrikernas a-kassa: Small, trade-specific Swedish a-kassa for electricians, affiliated with the Elektrikerna trade union. Closely comparable in scale and operational model to Byggnads a-kassa, including combined union-a-kassa billing and Skatteverket-sourced income-based benefit calculation under ALF24.
• Alfa-kassan: Swedish cross-sector a-kassa accepting members from multiple smaller unions (e.g., journalists, farmers, forest workers). Operates the same regulated mutual unemployment-fund business model and ALF24 framework as Byggnads a-kassa.

Others

• Byggnads (Svenska Byggnadsarbetareförbundet): Trade union directly affiliated with Byggnads a-kassa and its primary member-acquisition channel. Not a peer in the a-kassa business itself, but a strategic partner that jointly administers membership, sets combined pricing, and shares data under GDPR Article 26.
• AFA Försäkring: Swedish mutual insurance provider owned by the trade-union and employer confederations, offering occupational insurance (TFA, TGL, AGS) to the same construction and union-affiliated member base. Ecosystem-level peer that competes indirectly for member wallet share in adjacent (non-unemployment) benefit lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/byggnads-a-kassa

Compliance1 record

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 Byggnads a-kassa