fairpension - Altersvorsorge nachhaltig und fair

What fairpension - Altersvorsorge nachhaltig und fair does

fairpension GmbH, founded in 2010 by Ben Urbanke in Berlin, operates as a specialized German insurance intermediary (Versicherungsvermittler, registration D-U9BN-OOB8W-33 under § 34d Abs. 1 GewO) offering sustainable occupational pension schemes (betriebliche Altersvorsorge, bAV) invested exclusively in renewable energy assets such as wind farms, solar installations, and hydropower plants. The company channels employee and employer contributions through direct insurance (Direktversicherung) contracts, applying positive investment criteria (climate protection, CO2 reduction, biodiversity) alongside exclusion screens that bar weapons, nuclear energy, gambling, and speculation. Its client base spans companies and NGOs seeking values-aligned pension benefits, with more than 200 enterprise customers and over 5,000 insured employees, including recognizable names such as 7Mind, Allgäu Batterie, Sea Shepherd, Triodos Bank, Ecosia, Veganz, and Dr. Bronner's.

The core product is a sustainable bAV offering supported by a digital employer portal that simplifies administration via paperless contract management and free implementation support. The underlying technology is conventional and operationally focused: Pipedrive for CRM, Matomo for analytics, Wordfence for website security, combined with ungezillmert (no-load) tariffs and net policies designed to reduce fees and improve net retirement payouts. fairpension operates with a small core team (1-10 employees including the founder-CEO, marketing, CRM, and a Gemeinwohl-Manager) and has been GWÖ-certified since 2017 and B Corp-certified since 2018, with consecutive German Sustainability Award finalist appearances in 2023 and 2024.

fairpension's go-to-market is a sales-led, consultation-driven B2B motion targeting German companies and NGOs, offering personalized info events (in-person or digital) and HR-department implementation support, while individual employees can also request free initial consultations. Revenue is generated through managed-services fees on administered pension schemes, with employer financing structured around three modules (25% employer contribution, 50% co-financing, or 100% employer-financed); the 25% subsidy model is positioned as cost-neutral due to social-security savings. As of the most recent reporting, the company has served 200+ employer clients, 5,000+ insured employees, and over €50 million in cumulative customer pension contributions, with no external funding rounds disclosed.

Name

fairpension - Altersvorsorge nachhaltig und fair

Legal name

fairpension GmbH

Website

https://fairpension.de

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

fairpension GmbH is a Berlin-based German insurance intermediary offering sustainable occupational pension schemes (bAV) invested exclusively in renewable energy assets, serving 200+ companies and NGOs with digital administration and ethical-screened direct insurance contracts.

Ownership category

akta.pro rank

Product category

Occupational Pension Services

NAICS

Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311)

akta.pro primary industry

Benefits Administration & Total Rewards Outsourcing (BPACAKAE)

Keywords

• Sustainable pension schemes
• Occupational retirement plans
• Renewable energy investments
• Corporate benefits consulting
• Ethical wealth management

Headquarters

HQ city

Berlin-müggelheim

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Betriebliche Altersvorsorge (bAV) Management: fairpension acts as an intermediary and advisor for company pension plans (Direktversicherung/direct insurance). Revenue is generated through fees for managing and administering sustainable occupational pension schemes for employers and employees. The employer subsidy model allows up to 25% employer contribution which can be cost-neutral for companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

fairpension offers sustainable occupational pension schemes (betriebliche Altersvorsorge / bAV) for German companies and NGOs, channeling employee retirement contributions exclusively into renewable energy assets such as wind farms, solar installations, and hydropower plants. The company acts as a registered insurance intermediary (Direktversicherung) and advisor, providing a digital bAV portal for paperless administration, individual employee consultations, and flexible employer contribution models (up to 25% cost-neutral subsidy).

Product overview

fairpension offers a unified sustainable occupational pension (bAV) platform consisting of the core nachhaltige bAV product and a digital employer administration portal. Employee contributions are invested exclusively in renewable energy real assets (wind, solar, hydropower) through unge-zillmerte tariffs and net policies. The offering includes personalized consultation services and flexible employer contribution models (25%, 50%, or 100%). The product is GWÖ-certified and positions itself as an impact-driven pension solution aligned with the Gemeinwohl-Ökonomie values, targeting companies and NGOs seeking to combine employee retirement benefits with environmental responsibility.

Differentiator

Problem solved

Functional benefit

Products and services

• Nachhaltige betriebliche Altersvorsorge (bAV) Sustainable occupational pension scheme (Direktversicherung / direct insurance) for German companies and NGOs, channeling employee salary-conversion contributions exclusively into renewable energy real assets such as wind farms, solar installations, and hydropower plants. Includes tax advantages for employers and employees, up to 25% cost-neutral employer subsidy, and ungezillmerte tariffs / net policies.
• Infoveranstaltungen und Einzelberatung Personalized info events (on-site or digital) for company teams and individual one-on-one consultations for employees, explaining sustainable bAV options, employer subsidy models, and tax benefits based on salary, industry, and personal circumstances. Includes free initial consultation calls.

Quantifiable outcome

• 100% of pension contributions invested in renewable energy (wind, solar, hydropower)
• +2 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

Feature2 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Gemeinwohl-Ökonomie (GWÖ) / ECOnGOODcoreStrategic or Co-development Partnerfairpension is a GWÖ-certified company (Gemeinwohl-Ökonomie) and member of the GWÖ Berlin-Brandenburg network. The company has been audited and received its official Gemeinwohl-Bilanz, demonstrating alignment with ethical values including human dignity, solidarity, ecological sustainability, and transparency. The GWÖ network supports sustainable business practices.
• B Lab / B CorpcoreStrategic or Co-development Partnerfairpension achieved B Corp certification in 2018, demonstrating commitment to social and environmental performance standards. B Lab is the nonprofit organization that certifies B Corporations.
• Entrepreneurs for FutureminorOthersfairpension is listed as part of the Entrepreneurs for Future network, a movement of companies committed to sustainability and climate action.
• Impact Hub BerlinminorOthersfairpension is part of the Impact Hub Berlin network, a community of impact-driven entrepreneurs and innovators.
• Bundesverband Nachhaltige Wirtschaft (BNW)minorOthersfairpension is a member of BNW (Bundesverband Nachhaltige Wirtschaft), Germany's sustainable business association.
• MoorFutures BrandenburgminorOthersfairpension compensates remaining emissions through the MoorFutures Brandenburg program, which focuses on rewetting moors in Brandenburg for carbon sequestration and biodiversity. This is part of the GWÖ Berlin-Brandenburg network initiative.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Umweltbank: German sustainable bank focused on environmental finance, offering savings, investment funds, and project financing for renewable energy and ecological projects. Comparable to fairpension in ESG-niche focus, German market presence, and emphasis on environmental impact through financial products.
• Ökoworld: German sustainable investment fund manager offering ESG-screened equity and mixed funds. Comparable to fairpension as a German values-driven financial intermediary targeting ESG-conscious retail and institutional clients with thematic sustainable investment mandates.
• GLS Bank: Germany's largest sustainable bank, offering ethical banking, investment, and pension products aligned with social and ecological values. Comparable to fairpension in mission-driven positioning, German market focus, and sustainable-finance product orientation.

Broad incumbents

• DEKA Bank: German asset manager and provider of occupational pension solutions for the Sparkassen (savings bank) network, including ESG-labeled funds. Comparable to fairpension in German bAV asset management and pension provision, though operating at much greater scale through Sparkassen distribution.
• Triodos Bank: European sustainable bank with German operations offering savings, investment funds, and ethical banking products aligned with renewable energy and social enterprises. Comparable to fairpension in mission-driven finance (and is itself a fairpension customer), though operating at broader scale across multiple product lines.
• Zurich Insurance Germany: Major German life and pension insurer (including Zurich Life and bAV offerings) with sustainability-labeled products entering the market. Comparable to fairpension in German occupational pension provision, though as a broad incumbent rather than a sustainability-only specialist.
• Munich Re: Global reinsurer and primary insurer (including ERGO) operating in German life and pension markets with growing ESG product offerings. Comparable to fairpension as a participant in German occupational pension provision, though as a broad incumbent rather than a sustainability specialist.
• MEAG: Munich Re Group's asset management arm providing investment solutions for insurance and pension mandates, including ESG-screened strategies. Comparable to fairpension in German occupational pension asset management, though operating as a broad incumbent asset manager rather than a sustainability specialist.
• Allianz: Global insurance and asset management giant with a major German life and pension business, now offering ESG-labeled pension and Direktversicherung products. Comparable to fairpension as a bAV provider in the German market, though operating at vastly greater scale and with a broader (non-specialized) product portfolio.
• HDI / Talanx: Major German insurance group operating across life, P&C, and pension lines, with growing ESG product offerings for corporate clients. Comparable to fairpension as a German bAV and life insurance provider, though as a broad incumbent with diversified portfolios.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fairpension-gmbh

Compliance4 records

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 fairpension - Altersvorsorge nachhaltig und fair