What Previ-Banerj does

Previ-Banerj (Caixa de Previdência dos Funcionários do Sistema Banerj) is a Brazilian closed private pension fund (entidade fechada de previdência complementar) established on July 15, 1977 under Lei 6.435/1977 to provide pension benefits to employees of the Banerj banking system in Rio de Janeiro. Since January 1997, the entity has been in extrajudicial liquidation, decreed by the SPC (predecessor to PREVIC — Superintendência Nacional de Previdência Complementar) as part of the broader financial restructuring of the Banerj financial group. The entity is a non-profit with no owners — only participants and beneficiaries — operating under direct federal government supervision. As of April 30, 2024, Dr. Dagomar Alécio Anhê serves as Liquidante, appointed via Portaria PREVIC Nº 297/2024.

The entity's operations are limited to administering the wind-down of the fund. Core administrative offerings include an online Contracheques system for ex-participants to access historical paycheck stubs, the Quadro Geral de Credores (QGC) registry that tracks creditor claims across three legal preference classes (labor/tax credits, participant privileges with retired persons and pensioners first, and quirografários/judicial actions), and the SEPLAG-operated Núcleo Previ-Banerj service center at Av. Erasmo Braga, 118, Centro, Rio de Janeiro for beneficiary inquiries. A legislation repository catalogs the applicable legal framework, and communication occurs primarily through Diário Oficial da União (D.O.U.) publications and mailed convocations.

The business model is entirely non-commercial. There is no revenue from product sales, no pricing model, no go-to-market motion, and no acquisition funnel. The entity receives court-ordered precatório payments, which are distributed to creditors through a legally mandated rateio (credit distribution) process. The State of Rio de Janeiro is the largest creditor, with 99.2% of preferential creditor participants having adhered to a contract subrogating their credits to the State. Headcount stands at 11-50, distributed across multiple Rio de Janeiro offices including the headquarters at Praia do Flamengo 66 and administrative locations at Rua da Quitanda 199, Rua do Ouvidor 121, and Av. Treze de Maio 47.

Name

Previ-Banerj

Legal name

Caixa de Previdência dos Funcionários do Sistema Banerj

Website

https://previbanerj.com.br

Company type

Private

Founded year

1977

Operating status

Closed

Headcount range

11–50 employees

Short description

Previ-Banerj (Caixa de Previdência dos Funcionários do Sistema Banerj) is a Brazilian closed pension fund established in 1977, in extrajudicial liquidation since January 1997, that administers creditor distributions to former Banerj bank employees and beneficiaries under federal PREVIC supervision.

Ownership category

akta.pro rank

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others

Revenue model

1. Precatório receipts and creditor distributions: Previ-Banerj receives court-ordered payments (precatórios) and distributes credits to creditors according to legal preference classes. The fund is a non-profit entity with no owners, only participants. Revenue consists of incoming precatório payments which are allocated through a structured rateio (credit distribution) process to creditors in three classes: Class 1 (labor credits, tax credits), Class 2 (participant privileges - retired persons and pensioners first, then other participants), and Class 3 (quirografários - judicial actions).

Distribution channels1 record

Marketing channels1 record

Core offering

Previ-Banerj is a closed private pension entity (Caixa de Previdência dos Funcionários do Sistema Banerj) in extrajudicial liquidation since January 1997, overseen by PREVIC. It administers the orderly wind-down of the fund by receiving court-ordered precatório payments and distributing credits to creditors in three legal preference classes — Class 1 (labor and tax credits), Class 2 (participant privileges with retired/pensioners prioritized), and Class 3 (quirografários). It also operates basic administrative systems for ex-participants and beneficiaries to access paycheck stubs, view creditor registry information, and obtain liquidation-related documentation.

Product overview

Previ-Banerj (Caixa de Previdência dos Funcionários do Sistema BANERJ) is a closed private pension entity (entidade fechada de previdência complementar) that has been in extrajudicial liquidation since January 1997. The organization does not operate as a conventional technology product company; rather, it provides a limited set of administrative services for managing its wind-down process. Its core offerings include: (1) the Contracheques system for ex-participants to access paycheck stubs, (2) the Quadro Geral de Credores (QGC) registry for tracking and distributing creditor claims in priority order, (3) SEPLAG-run Núcleo Previ-Banerj services for beneficiary inquiries, and (4) a Legislação repository containing applicable liquidation laws. The entity is a non-profit organization with no owners, only participants, and is overseen by federal liquidator Dr. Dagomar Alécio Anhê appointed in April 2024.

Differentiator

Problem solved

Functional benefit

Products and services

• Contracheques Online System Online system hosted at previbanerj.planejamento.rj.gov.br that allows ex-participants and beneficiaries of Previ-Banerj to access and retrieve their paycheck stubs and payment records.
• Quadro Geral de Credores (QGC) Registry Official registry and management system tracking creditor claims during Previ-Banerj's extrajudicial liquidation, including the credit distribution (Rateio de Créditos) process with priority-based ranking across Class 1 (labor and tax credits), Class 2 (participant privileges with retired/pensioners prioritized), and Class 3 (quirografários/judicial actions).
• Liquidação Extrajudicial Administration Services Administrative services for managing the extrajudicial liquidation of the pension fund, including creditor notifications, credit distribution (rateio de créditos), and beneficiary assistance at the headquarters in Flamengo, Rio de Janeiro.
• Núcleo Previ-Banerj Atendimento (SEPLAG) Specialized atendimento center operated by SEPLAG (Secretaria de Estado de Planejamento e Gestão) at Av. Erasmo Braga, 118 - Térreo - Centro, Rio de Janeiro, phone (21) 2333-1772, handling inquiries about retirement benefits, pension changes, address updates, and account modifications for former Previ-Banerj participants.
• Legisla\u00e7\u00e3o Repository Digital archive of applicable laws, decrees, contracts, and regulations governing the Previ-Banerj liquidation process, including Decree 43.715/2012, Lei 6277/12, Lei 6435/77, and Complementary Laws 108 and 109/2001, accessible via the entity's website.

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

Partnerships

Ten partnerships are on record, tiered core and minor.

• SEPLAG (Secretaria de Planejamento e Gestão) - Núcleo Previ-BanerjcoreImplementation/ SI/ Consulting PartnerSEPLAG operates the Núcleo Previ-Banerj service center, handling beneficiary inquiries, address changes, and account modifications for former Previ-Banerj participants. Located at Av. Erasmo Braga 118, Centro, Rio de Janeiro, reachable at (21) 2333-1772.
• ANSIB (Associação Nacional de Supervisão e Bienestar)minorOthersAssociation of former Banerj employees in Rio de Janeiro. Contact: (21) 2262-7060, Fax: (21) 2533-1069, Email: [email protected].
• ANBEP (Associação Nacional de ex-participantes Banerj)minorOthersAssociation of former Banerj participants in Rio de Janeiro. Contact: (21) 2220-3806, Fax: (21) 2220-3806.
• AAFBanerj (Associação dos Funcionários do Banerj)minorOthersAssociation of Banerj employees in Rio de Janeiro. Contact: (21) 2240-4037, Fax: (21) 2240-4115, Website: www.aafbanerj.org.br.
• ABanerj (Associação Banerj)minorOthersAssociation for Banerj former employees in Rio de Janeiro (Contact: (21) 3392-5352, Email: [email protected]) and São Paulo (Contact: (11) 495-4038).
• AFBER (Associação dos Funcionários do Banco do Estado do Rio de Janeiro)minorOthersAssociation of employees of the State Bank of Rio de Janeiro. Contact: (21) 2621-6334.
• Club MunicipalminorOthersFormer employee association in Rio de Janeiro. Contact: (21) 2569-4822.
• CapemiminorOthersFormer employee association in Rio de Janeiro. Contact: (21) 2223-3155, (21) 2253-8553, Email: [email protected].
• PREVIC (Superintendência Nacional de Previdência Complementar)coreStrategic or Co-development PartnerGovernment regulatory body that oversees closed pension entities in Brazil. PREVIC issued Portaria PREVIC Nº 297/2024 appointing Dagomar Alécio Anhê as Liquidante of Previ-Banerj. The entity has been under PREVIC supervision since extrajudicial liquidation was decreed in January 1997.
• State of Rio de JaneirocoreStrategic or Co-development PartnerThe State of Rio de Janeiro is the largest creditor of Previ-Banerj. A Contrato de Assunção de Obrigações (Contract for Assumption of Obligations) was signed where participants could subrogate their credits to the State. 99.2% of preferential creditors opted for this arrangement.

Scale indicators2 records

Recent moves6 records

Expansion highlights1 record

Market position

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/previ-banerj

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 Previ-Banerj