Stichting Pensioenfonds voor Dierenartsen

What Stichting Pensioenfonds voor Dierenartsen does

Stichting Pensioenfonds voor Dierenartsen (SPD) is a Dutch professional pension fund (beroepspensioenfonds) organized as a Stichting (foundation), mandated by law to provide retirement benefits to practicing veterinarians in the Netherlands. Participation is compulsory under the verplichtstelling (professional obligation), covering self-employed, employed, and director-major-shareholder veterinarians, with enrollment verified via the CIBG registry. The fund operates a flexible defined contribution scheme (flexibele premieregeling) in which contributions — set at 23.74% of pension base for 2025, plus risk and administration components — are invested through a life-cycle model that automatically de-risks as participants approach retirement. Participants choose between three risk profiles (More, Average, Less Risk) and access services through the DigiD-authenticated Mijn pensioen portal.

Following the January 1, 2026 transition to the new Dutch pension regulation, SPD offers a fixed-versus-variable choice architecture at retirement. The default in-house option is the Collectief Variabel Pensioen (CVP), under which capital remains invested after retirement with annual payouts adjusted to investment performance; a 3-year spreading mechanism (spreidingsmechanisme) smooths results, and a risk-sharing reserve (risicodelingsreserve) buffers against downturns. Additional products include Variable Decreasing Pension, Variable AOW Bridging Pension, and Part-time Pension from age 60. Survivor (partner/orphan) and optional disability premium waiver insurance are bundled into the scheme.

SPD's business model is recurring percentage-based premiums with multi-decade duration, administered via the Achmea Pensioenservices execution partnership under GDPR-aligned processor agreements. The fund is governed by a self-administering board representing participants, pensioners, and KNMvD (Royal Dutch Veterinary Association); co-governance is exercised through the Deelnemersvereniging DPD. Operating from Tilburg with approximately 9 employees, SPD is currently in exploratory discussions with Stichting Pensioenfonds voor Fysiotherapeuten and Huisarts & Pensioen regarding potential shared pension administration.

Name

Stichting Pensioenfonds voor Dierenartsen

Legal name

Stichting Pensioenfonds voor Dierenartsen

Website

https://pensioenfondsdierenartsen.nl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Stichting Pensioenfonds voor Dierenartsen (SPD) is a Dutch mandatory professional pension fund (beroepspensioenfonds) providing a flexible defined contribution scheme to practicing veterinarians in the Netherlands, with life-cycle investing, the Collectief Variabel Pensioen, and a DigiD-authenticated participant portal, administered via Achmea Pensioenservices.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund (Beroepspensioenfonds)

NAICS

Pension Funds (525110), Pension Funds (52511)

akta.pro industry

PRIMARYFSAAAGAA

Corporate & Public Pension Funds (DB/DC Sponsors)

Financial & Insurance/Asset & Wealth Management/Asset Management — Institutional (Pensions, Endowments, Sovereign)

Keywords

• Occupational pension fund
• Defined contribution scheme
• Veterinary pension
• Pension administration
• Life-cycle investing

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Participant Pension Contributions: Veterinarians pay pension contributions (premies) based on their pensionable income. The main contribution for the personal pension account is 23.74% of the pension base (2025). Additional components cover risk insurance for partner/orphan pensions (0.70%), administration costs (7.41%), minimum required equity (0.00%), and optional disability premium waiver insurance (9.00%). Contributions are mandatory under the professional pension obligation.
2. Employer Contributions: Employers of veterinarians contribute to the pension scheme by adding the employer pension contribution to the employee's gross salary as a taxable benefit. Two models are available: employers pay the full premium on behalf of the employee and deduct it from net salary, or employers pass the contribution to employees who pay directly to the fund.
3. Investment Returns: Contributions are invested in capital markets through professional asset management. Investment returns increase participant pension capital and fund the collective variable pension (CVP) for retirees. Results are passed back to participants through the spreading mechanism.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Stichting Pensioenfonds voor Dierenartsen (SPD) administers the mandatory flexible defined contribution pension scheme for veterinarians practising in the Netherlands. The fund collects a 23.74% pension premium (21.74% retirement premium plus 0.70% risk premium) and a 7.41% administration fee, invests contributions through a life-cycle model with a three-year smoothing mechanism and a risk-sharing reserve, and will replace the current scheme with the Collectief Variabel Pensioen (CVP) effective 1 January 2026. Operational execution is handled by Achmea Pensioenservices, and members access their pension through the Mijn Pensioen portal and Pensioenplanner.

Product overview

Stichting Pensioenfonds voor Dierenartsen (SPD) is a Dutch professional pension fund for veterinarians offering a flexible defined contribution scheme (flexibele premieregeling). The core offering includes the main pension scheme with options for fixed or variable pension payouts. The Collectief Variabel Pensioen (CVP) is the primary vehicle for variable pensions, featuring a smoothing mechanism and risk-sharing reserve. Participants access services through the Mijn Pensioen digital portal, supported by educational videos and e-learning modules. The fund introduced its new pension scheme on January 1, 2026, transitioning from a previous defined benefit structure.

Differentiator

Problem solved

Functional benefit

Products and services

• Flexibele premieregeling (Flexible Defined Contribution Pension Scheme)

Quantifiable outcome

• Mandatory contribution: 23.74% of pension base (2025), providing transparent and predictable pension building for all participants.
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Stichting Pensioenfonds voor FysiotherapeutenminorStrategic or Co-development Partner · 8 July 2025SPD is in exploratory discussions with Stichting Pensioenfonds voor Fysiotherapeuten and Huisarts & Pensioen regarding a potential collaboration on pension execution. The three professional pension funds are jointly investigating whether shared pension administration could improve efficiency or service quality.
• Huisarts & PensioenminorStrategic or Co-development Partner · 8 July 2025SPD is in exploratory discussions with Stichting Pensioenfonds voor Fysiotherapeuten and Huisarts & Pensioen regarding a potential collaboration on pension execution. The three professional pension funds are jointly investigating whether shared pension administration could improve efficiency or service quality.
• Achmea PensioenservicescoreImplementation/ SI/ Consulting PartnerAchmea Pensioenservices is the primary execution organization for SPD's pension scheme. It handles pension administration, contribution processing, payment of pensions, and participant data management. Achmea also maintains the 'Mijn pensioen' portal on behalf of SPD. The partnership is governed by processor agreements (verwerkersovereenkomst) ensuring GDPR compliance and data security.
• Deelnemersvereniging DPDcoreStrategic or Co-development PartnerDeelnemersvereniging DPD is the participant association that represents the interests of SPD's members. It participates in the annual Algemene Ledenvergadering (General Members Meeting), contributes to the Visitation Committee nominations, and co-communicates with participants alongside SPD. The association provides a collective voice for veterinarians in pension governance.
• KNMvD (Koninklijke Nederlandse Maatschappij voor Diergeneeskunde)minorOthersKNMvD is the Royal Dutch Veterinary Association. An SPD board member (Focko Zwanenburg) is appointed as a board representative from KNMvD, creating a governance linkage between the professional body and the pension fund.

Recent moves6 records

Expansion highlights4 records

Direct peers

• Huisarts & Pensioen (SFPO): Dutch mandatory professional pension fund for general practitioners, partnered with SPD on the shared-administration exploration. Closely comparable in member size, scheme design and regulatory obligations.
• Stichting Pensioenfonds Notariaat: Dutch beroepspensioenfonds for notaries, operating an analogous mandatory professional pension scheme with similar governance and execution structure. Comparable in member concentration within a single Dutch profession.
• Stichting Pensioenfonds voor Fysiotherapeuten: Dutch beroepspensioenfonds for physiotherapists, operating under the same mandatory professional pension framework as SPD and actively exploring shared pension administration with SPD and Huisarts & Pensioen via IG&H. Directly comparable in scale, structure, and product design.
• Pensioenfonds voor Architecten en Ingenieurs (PIA): Dutch mandatory professional pension fund for architects and engineers. Comparable as a profession-specific beroepspensioenfonds operating under the same Dutch regulatory regime and member size class as SPD.
• Stichting Pensioenfonds Openbaar Apothekers: Dutch mandatory professional pension fund for public pharmacists, structurally analogous to SPD: small member base within one profession, mandatory affiliation, and similar defined-contribution / variable pension offering.
• Stichting Pensioenfonds Verloskundigen: Dutch beroepspensioenfonds for midwives, with comparable scale, governance and product design to SPD. Operates under the same verplichtstelling framework for a similarly sized Dutch profession.

Others

• Achmea Pensioenservices: Core execution partner of SPD, providing pension administration, contribution processing, payment of pensions, and operating the Mijn Pensioen portal. Comparable as the operational backbone on which SPD and other Dutch professional funds rely.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Stichting Pensioenfonds voor Dierenartsen