Stichting Pensioenfonds Openbare Apothekers

What Stichting Pensioenfonds Openbare Apothekers does

Stichting Pensioenfonds Openbare Apothekers (SPOA) is a mandatory professional pension fund (beroepspensioenfonds) established in 1972 in the Netherlands, operating under the Wet verplichte Beroepspensioenregeling. It provides statutory pension coverage to all pharmacists working in public pharmacies — both self-employed and employed — and is governed under the 'van en voor apothekers' (by and for pharmacists) principle with scheme content set by BPOA, the professional pharmacists' association. SPOA collects a fixed premium of 30.7% on pensionable income (gross salary or three-year-average profit for self-employed, minus a €19,172 franchise) and delivers a defined-contribution scheme covering old-age pension (1.62% build-up rate in 2026), partner pension, orphan's pension, and premium exemption on disability.

The fund's product surface is built around the Mijn Apothekerspensioen online portal, a self-service participant environment for income reporting, premium management, and pension planning; the Pensioen 1-2-3 three-layer information framework; the Rekentool calculator for pensionable income; the Pensioenplanner retirement simulator; and consultant-led Keuzebegeleiding via partner Prikkl. Administration is outsourced to Visma Idella (transitioning to IG&H/Allvida by January 2028), with asset management executed by BlackRock and Achmea Investment Management, actuarial advisory by Sprenkels, board support by Montae, audit by EY, and communications by Bureau voor Pensioencommunicatie. Distribution is exclusively direct: participants self-enroll via Form 1 and manage all affairs through the portal, with no brokers, agents, or employer intermediaries involved.

As of June 2026, SPOA reports a coverage ratio (dekkingsgraad) of 134.2% on a 12-month average of 131.6%, supporting a 3% total indexation grant to active and former participants in 2026. The fund is currently executing a mandatory regulatory transition to the new Wet Toekomst Pensioenen (WTP) pension framework, adopting the Flexibele Premie Regeling (FPR) via the IG&H/Allvida platform with a planned January 1, 2028 cutover. The board comprises six members chaired by Selma Smit, with three-person accountability and investment committees supplemented by external advisors.

Name

Stichting Pensioenfonds Openbare Apothekers

Legal name

Stichting Pensioenfonds Openbare Apothekers

Website

https://spoa.nl

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

1–10 employees

Short description

SPOA is a mandatory Dutch professional pension fund established in 1972 for pharmacists working in public pharmacies, collecting 30.7% premiums on pensionable income to deliver old-age, partner, and orphan's pensions under the Wet verplichte Beroepspensioenregeling.

Ownership category

akta.pro rank

Product category

Professional Pension Fund

NAICS

Pension Funds (525110)

SIC

Life Insurance (6311)

akta.pro primary industry

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

akta.pro secondary industry

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Professional pension fund
• Pharmacist pension scheme
• Defined contribution pension
• Occupational pension services
• Pension administration services

Headquarters

HQ city

Berkel en Rodenrijs

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Others

Revenue model

1. Pension Premium Contributions: SPOA operates as a defined contribution (beschikbare premieregeling) professional pension fund. Participants pay a fixed premium rate of 30.7% on their pension base (pensionable income minus franchise). Premium is paid monthly by participants directly. The premium covers: old-age pension accumulation, partner and orphan's pension insurance, premium exemption at disability, financing of fixed pension increases, maintaining required own funds, pension administration costs, and asset management costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

SPOA operates a mandatory defined contribution professional pension scheme (beschikbare premieregeling) for pharmacists working in public pharmacies in the Netherlands. It collects a fixed premium of 30.7% on pensionable income, invests contributions through asset managers, and pays out old-age pensions, partner pensions, and orphan's pensions. The fund provides a self-service participant portal, a pension planner, a digital income calculator, and choice-guidance consulting services.

Product overview

SPOA offers a unified defined contribution pension scheme for public pharmacists, centered around the main Pensioenregeling product. The ecosystem includes Mijn Apothekerspensioen participant portal as the primary interface, supplemented by Pensioen 1-2-3 information system, the Pensioenplanner for retirement projections, and the Rekentool for income calculations. Additional services include Keuzebegeleiding (choice counseling) via Prikkl consultants and the Pensioenchecker mobile app. SPOA is transitioning to a new pension executor (IG&H/Allvida) by 2028 under the new WTP pension regulation.

Differentiator

Problem solved

Functional benefit

Products and services

• Pensioenregeling (Pension Scheme) Mandatory defined contribution pension scheme covering old-age pension (1.62% build-up rate in 2026), partner pension (1.313% per year, up to 70% of old-age pension), orphan's pension (20% of partner pension, up to age 21), and premium exemption at disability. Available to all pharmacists working in public pharmacies in the Netherlands.
• Mijn Apothekerspensioen
• Pensioen 1-2-3 Three-layer pension information system: Layer 1 (summary), Layer 2 (detailed explanation), and Layer 3 (Pension Comparator) for progressive disclosure of pension regulations.
• Rekentool (Pension Income Calculator) Standalone digital calculator tool for participants to determine pension-contributory income and calculate pension premium based on income, part-time percentage, and franchise. Accessible via the SPOA website.
• Pensioenchecker Mobile application for quick access to pension information, allowing participants to check pension status on the go.
• Keuzebegeleiding (Choice Guidance) Choice counseling service for important pension decisions including earlier retirement, part-time pension, higher/lower pension, and survivor pension options. Delivered through the Prikkl consultant network with intake, advisory conversation, report, and follow-up. Free of charge for participants.

Quantifiable outcome

• 134.2% current coverage ratio (dekkingsgraad) as of June 2026, enabling pension increases
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• IG&H / AllvidacoreImplementation/ SI/ Consulting Partner · 8 July 2025SPOA has selected IG&H (via Allvida) as the new pension executor ('landingsplek') for the transition to the new pension scheme. Allvida provides a proven FPR (Flexible Premium Scheme) platform. The transition to the new executor is planned for January 1, 2028, replacing Visma Idella. This partnership follows Idella's decision to stop its WTP transition in December 2024.
• BPOA (Beroepspensioenvereniging Openbare Apothekers)coreStrategic or Co-development Partner · 1 January 1972BPOA is the Dutch Professional Pension Association for Pharmacists. BPOA is responsible for the compulsory membership determination and defines the content of the pension scheme for all pharmacists working in public pharmacies. SPOA executes the pension scheme on behalf of BPOA. BPOA members determine the collective pension scheme content. The partnership is the foundational governance structure of SPOA.
• Visma IdellacoreImplementation/ SI/ Consulting PartnerVisma Idella handles the day-to-day pension administration of SPOA, including participant registration, premium collection, pension payments, and correspondence. They also manage part of the communications including the SPOA Customer Service and sending of letters such as the Uniform Pension Overview (UPO). SPOA announced transition away from Idella due to Idella stopping WTP transition.
• BlackRockcoreTechnology or IntegrationBlackRock is the asset manager for SPOA's investment portfolio. BlackRock manages assets for clients worldwide and is one of the largest asset managers globally. BlackRock executes the investment policy as set by SPOA's board.
• SprenkelscoreImplementation/ SI/ Consulting PartnerSprenkels is the actuarial and pension advisor to SPOA. The advisory actuary supports the board in developing and formulating SPOA policy. They help clients 'get in control' on complex pension, insurance, and financial risk management issues.
• MontaecoreImplementation/ SI/ Consulting PartnerMontae is an independent advisory firm with 118 employees providing board support and pension advisory services to SPOA. They support and advise the board of SPOA in its daily operations.
• EY (Ernst & Young)coreImplementation/ SI/ Consulting PartnerEY is the external auditor for SPOA's annual accounts. EY is a global leader in assurance, tax, transaction, and advisory services with 365,399 employees worldwide.
• Triple A - Risk FinanceminorImplementation/ SI/ Consulting PartnerTriple A - Risk Finance specializes in advising and supporting insurers, banks, and pension funds in risk management and compliance (legislation and regulations).
• Bureau voor PensioencommunicatieminorImplementation/ SI/ Consulting PartnerBureau voor Pensioencommunicatie supports pension organizations in developing and executing marketing and communication, including communication plans, policy plans, advisory reports, websites, digital newsletters, pension magazines, brochures, pension consultations, information sessions, and events.
• PrikklcoreChannel Partner/ Reseller/ DistributorPrikkl provides pension consultant services to SPOA participants for pension planning and retirement counseling. Services include intake interview, advisory conversation with financial advisor, conversation report, and follow-up. Available to participants free of charge. Also provides services for disability situations.

Scale indicators7 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• Notariaat Pensioenfonds: Mandatory Dutch beroepspensioenfonds for notaries operating under the same Wet verplichte Beroepspensioenregeling as SPOA. Same small foundation structure, same compulsory enrollment mechanism, same regulatory oversight by AFM/DNB, and same WTP transition obligations.
• BPL Pensioen: Dutch pension provider for self-employed professionals across multiple healthcare-adjacent disciplines. Comparable to SPOA in serving self-employed professionals in the healthcare ecosystem, with similar mandatory elements for some participant groups.
• Baliepensioen (Stichting Pensioenfonds voor de Advocatuur): Compulsory Dutch beroepspensioenfonds for the legal profession (advocaten). Directly comparable to SPOA in regulatory model, foundation structure, single-profession focus, and product offering (old-age, partner, and orphan's pension).
• Stichting Pensioenfonds Medisch Specialisten (SPMS): Dutch beroepspensioenfonds for medical specialists operating on the same compulsory professional-pension-fund model as SPOA. Same regulatory framework, similar product (old-age, partner, and orphan's pension), and similar small-scale foundation structure serving a single healthcare profession.
• Stichting Pensioenfonds Huisartsen (SPH): Mandatory Dutch beroepspensioenfonds for general practitioners. Closely comparable to SPOA in structure, scale, regulatory regime (Wet verplichte Beroepspensioenregeling), and target audience (a single licensed healthcare profession). Both are small foundations administering compulsory pension schemes for their respective professional groups.
• Pensioenfonds voor Tandartsen en Mondhygiënisten (PNT/Mondzorg): Mandatory Dutch professional pension fund for dentists and dental hygienists. Directly comparable to SPOA: same beroepspensioenfonds structure, same compulsory enrollment, same single-healthcare-profession focus, and similar WTP transition timeline.

Others

• PGGM: Large Dutch pension administrator and asset manager that administers PFZW and other healthcare-sector funds. Relevant to SPOA as an institutional peer in the Dutch pension services ecosystem and as a potential competitor in pension administration and asset management services.
• APG Asset Management: Major Dutch pension administrator and asset manager that executes administration and asset management for ABP and other large Dutch pension funds. Peer to SPOA's asset managers (BlackRock, Achmea IM) and administration partners (Visma Idella, IG&H/Allvida) in the Dutch pension services market.

Broad incumbents

• Stichting Bedrijfstakpensioenfonds Zorg en Welzijn (PFZW): The largest pension fund for the Dutch healthcare sector, covering employees in care and welfare. Broader incumbent serving a much larger and more diverse healthcare employee base than SPOA's narrow pharmacy focus, but operates in an overlapping healthcare-pension market.
• Stichting Pensioenfonds ABP: The largest pension fund in the Netherlands, serving government and education employees. Broad incumbent in the Dutch pension market under the same AFM/DNB regulatory framework as SPOA, but operating at vastly greater scale across a non-healthcare participant base.

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/SPOA
• LinkedInlinkedin.com/company/stichting-pensioenfonds-openbare-apothekers

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Openbare Apothekers