B&F Consulting AG

What B&F Consulting AG does

B&F Consulting AG is a German specialty insurance broker and consulting firm founded on August 30, 2000, and headquartered in Kirchheimbolanden in the Pfalz region. The company is licensed under three separate provisions of the German Trade Act (GewO): §34d as a Versicherungsmakler (insurance broker), §34f as a Finanzanlagenvermittler (financial instruments broker), and §34i as an Immobiliardarlehensvermittler (real estate loan broker), with registrations issued by DIHK and IHK Pfalz. It focuses on betriebliche Vorsorge — corporate pension and employee benefits consulting — and reports a portfolio covering more than 250 corporate clients and 50,000+ employees across various industries, including several publicly listed companies, with nationwide service delivery from its single regional office. The firm is owner-managed, with Vorstand Wolfgang Fröhlich as co-founder since inception, a small supervisory board, and a wholly owned subsidiary (B&F + Kasper GmbH).

The company's core offering combines consulting (Beratung) and digital administration (Verwaltung) of occupational pension schemes, supported by proprietary Employer Portal (Arbeitgeber-Portal) and Employee Portal (Mitarbeiter-Portal) infrastructure for contract management, document handling, and employee self-service. Beyond traditional bAV, the product suite has expanded into company health insurance (bKV), occupational disability coverage (bBU), Zeitwertkonten (time value accounts), and the Ruhestandskonto retirement account with a three-pot investment structure. Distribution extends to private Vorsorge — risk protection (Risikoabsicherung) and wealth building (Vermögensaufbau) — for individual clients, and to alternative investments via a strategic distribution relationship with Hahn Gruppe for real estate fund products.

B&F operates a B2B-leaning go-to-market with direct corporate sales (account managers delivering on-site and Microsoft Teams consultations), event participation (e.g., RETENTIONpro in Wiesbaden), a Sendinblue-driven newsletter, and a Microsoft Outlook-integrated online booking system. Revenue is generated through four streams: insurance brokerage commissions, financial product distribution commissions (notably Hahn Pluswertfonds), fee-based consulting and advisory engagements, and recurring subscription administration services under multi-year and annual service contracts. The firm maintains a partnership ecosystem spanning NovaVista, DHBW Mannheim, Harth Consulting, Schunck Group, Südvers, Seely & Gerster, Bauart, Profion, PensExpert, pronovus, KJR, and Fröhlich Mölder & Kollegen GmbH, alongside industry association membership in BPAV.

Name

B&F Consulting AG

Legal name

B&F Consulting AG

Website

https://bfcag.de

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

B&F Consulting AG is a German licensed insurance broker specializing in corporate pension and employee benefits consulting for 250+ corporate clients and 50,000+ employees. The firm combines advisory services with proprietary digital portal infrastructure for pension administration and product distribution.

Ownership category

akta.pro rank

Product category

Employee Benefits Consulting and Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Portfolio Management and Investment Advice (52394)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

akta.pro secondary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Corporate pension consulting
• Occupational benefits administration
• Insurance brokerage services
• Employee benefits management
• Private retirement planning

Headquarters

HQ city

Kirchheimbolanden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As a licensed insurance broker (Versicherungsmakler) under §34d GewO, the company earns commissions from insurance product providers for placing corporate and private insurance policies.
2. Financial Product Distribution: As a licensed financial product distributor (§34f GewO) and real estate loan broker (§34i GewO), the company earns commissions and fees from distributing investment products such as real estate funds (Hahn Pluswertfonds) and retirement account products.
3. Consulting and Advisory Fees: Fee-based consulting services for corporate pension strategy development, contract review, and employee benefit program design. Also includes service fees for portfolio administration and management services.
4. Full-Service Administration: Comprehensive administration services for corporate pension schemes under service contracts, including portfolio management, data maintenance, correspondence with insurers, and employee helpdesk services.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

B&F Consulting AG is a licensed German insurance broker and corporate benefits consultancy that designs, implements, and administers occupational pension and employee benefit programs (betriebliche Vorsorge) for corporate clients. Its offering combines strategic consulting (Beratung) covering company pensions, health insurance, occupational disability, and time accounts with ongoing digital administration (Verwaltung) through proprietary employer and employee portals. The firm also serves private individuals with retirement, risk protection, and wealth-building advisory services, including the distribution of Hahn Gruppe real estate investment funds.

Product overview

B&F Consulting AG offers a unified platform of pension and retirement management services centered on occupational retirement provision (betriebliche Vorsorge). The core offering consists of consulting services (Beratung) and administration services (Verwaltung), supported by digital platforms including the Arbeitgeber-Portal (Employer Portal) for contract management and the Mitarbeiter-Portal (Employee Portal) for employee self-service. The company also provides private pension products including the Ruhestandskonto (Retirement Account) with a three-pot investment structure, alongside insurance products such as Betriebliche Krankenversicherung (bKV), Betriebliche Berufsunfähigkeitsabsicherung (bBU), and Zeitwertkonten (Time Value Accounts). All services are delivered with a combination of digital processes and personal consultation.

Differentiator

Problem solved

Functional benefit

Products and services

• Beratung – Betriebliche Vorsorge Consulting Strategic consulting service providing holistic support in occupational retirement provision, company health insurance, occupational disability insurance, and time accounts for corporate employers and their employees across Germany.
• Verwaltung – Administration Services

Quantifiable outcome

• 250+ corporate clients served
• +2 more outcomes

Named customers2 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

Feature3 records

Partnerships

16 partnerships are on record, tiered minor and core.

• NovaVistaminorStrategic or Co-development PartnerNovaVista appears as a partner in the company's partner ecosystem, though the specific nature of the collaboration is not detailed on the website.
• DHBW MannheimminorStrategic or Co-development PartnerDual university of cooperative education partner. B&F Consulting AG participates in the BWL-Risk and Insurance Management dual study program in partnership with DHBW Mannheim.
• Harth Consulting (Sven Harth)minorStrategic or Co-development PartnerPartner consulting firm in the B&F partner ecosystem for specialized consulting services.
• Schunck GroupminorStrategic or Co-development PartnerPartner in the B&F partner ecosystem, possibly for insurance or risk management consulting services.
• SüdversminorStrategic or Co-development PartnerPartner company in the B&F partner ecosystem for insurance and risk management solutions.
• Seely & GersterminorStrategic or Co-development PartnerPartner consulting firm in the B&F ecosystem.
• BauartminorStrategic or Co-development PartnerPartner company in the B&F ecosystem, nature of collaboration not specified.
• ProfionminorStrategic or Co-development PartnerPartner in the B&F partner ecosystem.
• Hahn GruppecoreStrategic or Co-development PartnerLong-standing strategic partner for real estate investment products. B&F distributes Hahn Gruppe's Pluswertfonds investment products (Pluswertfonds 182, 183) to clients seeking alternative retirement investments. Hahn Gruppe has launched over 190 real estate funds with no fund ever unwound.
• BPAV (Bundesverband der Assekuranzmakler)minorOthersIndustry association membership for insurance brokers.
• Febs ConsultingminorStrategic or Co-development PartnerPartner consulting firm in the B&F ecosystem.
• PensExpertminorStrategic or Co-development PartnerPartner in the B&F ecosystem, possibly for pension or retirement planning solutions.
• pronovusminorStrategic or Co-development PartnerPartner company in the B&F ecosystem.
• KJRminorStrategic or Co-development PartnerPartner in the B&F ecosystem.
• B&F + Kasper GmbHminorStrategic or Co-development PartnerRelated entity with separate brand presence, part of the extended B&F network.
• Fröhlich Mölder & Kollegen GmbHminorStrategic or Co-development PartnerPartner consulting firm in the B&F ecosystem.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Allianz Leben / Allianz Pension Partners: Allianz is Germany's largest insurer and a dominant bAV provider through Allianz Leben and Allianz Pension Partners. Comparable as a key underlying product provider in the bAV market where B&F places corporate pension schemes, though it operates as an insurer rather than an independent broker.
• Swiss Life Deutschland: Swiss Life Deutschland is a major German life insurer with a strong bAV franchise and corporate pension advisory arm. Comparable as a large incumbent offering bAV products and corporate consulting services where B&F competes and distributes.
• Zurich Deutscher Herold / Zurich Group Germany: Zurich Group Germany provides life insurance, bAV solutions, and corporate benefits consulting through Zurich Deutscher Herold. Comparable as a major German bAV insurer and benefits provider that brokers like B&F interact with as product counterparties and competitors.
• HDI / Talanx AG: HDI, part of Talanx, is a major German insurer offering bAV, bBU, and corporate pension products with employer advisory services. Comparable as a broad insurance incumbent in the same product categories that B&F Consulting AG places and advises on.

Direct peers

• MRH Trowe: MRH Trowe is a leading German insurance broker and risk consultant serving mid-market and large corporates with bAV, benefits, and risk solutions. Direct competitor in the German mid-market insurance brokerage and corporate pension space.
• Ecclesia Gruppe: Ecclesia Gruppe is a major German insurance broker focused on corporate and institutional clients, with strong bAV and employee benefits offerings. Direct peer in serving German employers with occupational pension and risk consulting.
• Funk Gruppe: Funk Gruppe is one of Germany's largest independent insurance and risk brokers, with strong bAV and employee benefits capabilities. Comparable as a German-headquartered, multi-license broker targeting corporate clients for occupational pension and risk advisory.
• WTW (Willis Towers Watson) Germany: WTW Germany provides actuarial, pension, and employee benefits consulting to corporate clients across Germany. Direct peer in the corporate pension and benefits advisory space, especially on larger enterprise mandates.
• Mercer Deutschland: Mercer Deutschland is a global HR and benefits consulting firm with a strong German practice advising employers on bAV, bKV, bBU, and broader employee benefits strategy and administration. Highly comparable as it serves the same corporate buyer for occupational pension and employee benefit consulting, though at much larger scale and with broader HR advisory scope.
• Aon Germany: Aon Germany is a major insurance brokerage and HR consulting firm offering corporate pension advisory, benefits administration, and risk solutions to German employers. Direct competitor in the bAV consulting and insurance placement market, with broader international capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/b-f-consulting-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 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 B&F Consulting AG