Regos

What Regos does

Regos is a Croatian institution headquartered in Novi Zagreb that operates the central register for compulsory pension insurance in Croatia. Its primary function is maintaining the official registry of mandatory pension fund membership and contribution records, serving as the statutory data backbone for Croatia's second-pillar pension system. The organization also provides digital services related to pension fund membership administration and pension information access.

As a central registry, Regos sits at the intersection of pension fund management companies, employers making statutory contributions, and insured individuals. Its operational scope is defined and bounded by Croatian pension regulation, making it a statutorily mandated infrastructure entity rather than a commercial market participant. The institution appears to function as a public-interest or quasi-governmental body, with no private funding rounds, investor disclosures, or commercial pricing structures evident in the available data.

The source data is notably thin: the company's website (regos.hr) returned only a verification/loading page rather than substantive content, and no details on headcount, revenue model, technology stack, management team, partnerships, or product roadmap were captured. No API or developer-facing platform is documented. This absence of commercial signals reinforces the assessment that Regos operates as a statutory registry rather than a venture-backed or commercially driven enterprise, limiting the applicability of standard growth-stage analytical frameworks.

Name

Regos

Website

https://regos.hr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Regos is a Croatian statutory institution headquartered in Novi Zagreb that operates the central register for compulsory pension insurance, maintaining membership and contribution records for Croatia's mandatory pension system and serving pension funds, employers, and insured individuals.

Ownership category

akta.pro rank

Product category

Pension Insurance Registry

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251)

SIC

Finance Services (6199), Life Insurance (6311)

akta.pro industry

PRIMARYBPAIAKAA

Pensions & Retirement Benefits Administration

Business & Public Services/Public Sector & Government Administration/Social Security, Benefits & Welfare Administration

SECONDARYFSAGAFAI

Privacy, Consent & Data Governance Compliance (GDPR/CCPA, data lineage)

Financial & Insurance/Financial Technology (Fintech)/RegTech (Compliance, KYC/AML, Fraud, Identity)

SECONDARYFSAGAFAM

GRC, Policy Management & Controls Testing (SOX/ICFR, audit management)

Financial & Insurance/Financial Technology (Fintech)/RegTech (Compliance, KYC/AML, Fraud, Identity)

Keywords

• Compulsory pension insurance
• Pension register services
• Pension fund administration
• Social insurance registry
• Pension information services

Headquarters

HQ city

Novi Zagreb

HQ country

Croatia

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure

Core offering

Regos operates the central register for compulsory pension insurance in Croatia and provides digital services supporting pension fund membership administration and pension information delivery to insured persons, employers, and pension funds.

Differentiator

Problem solved

Functional benefit

Products and services

• Central Register of Compulsory Pension Insurance

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights1 record

Broad incumbents

• PGGM: PGGM is a major Dutch pension administrator and asset manager serving healthcare pensions. It is comparable as a peer in pension fund administration at national scale, though with a stronger asset-management mandate than Regos.
• APG Group: APG is one of Europe's largest pension administrators, executing the Dutch collective pension system at scale. It is comparable to Regos as a peer in large-scale pension administration and registry-style operations, though it serves a far larger and different pension regime.
• Willis Towers Watson (WTW): WTW provides pension administration, actuarial, and benefits outsourcing services globally. It is a peer because pension administration is a core offering, serving many statutory and corporate pension schemes with similar registry and member-services capabilities.
• State Street Global Services: State Street provides back-office pension and fund administration services at scale. It is a peer in recordkeeping, member servicing, and digital administration for large pension schemes, with similar operational complexity to Regos' mandate.
• Mercer: Mercer is a global consulting and pension administration provider. It is comparable as a peer in outsourced pension administration, member recordkeeping, and digital pension services, although it operates commercially rather than as a state registry.
• Keva: Keva administers pensions for Finland's local government employees. It is a peer in that both organisations operate centralised, statutory pension systems with significant member recordkeeping responsibilities and digital service delivery.
• Croatian Pension Insurance Institute (HZMO): HZMO is the main state pension administrator in Croatia. It is a direct institutional peer in that both entities sit inside the Croatian compulsory pension insurance value chain, with HZMO handling benefit administration and Regos handling the central register and member-level digital services.

Regional players

• Zagrebčka banka (ZABA): ZABA, as a major Croatian retail bank, handles pension disbursement and related financial services for Croatian retirees. It is a peer in the broader Croatian pension value chain and a potential distribution or integration partner for Regos' member-facing digital services.
• PBZ Croatia Osiguranje (Pension Fund): PBZ Croatia Osiguranje administers mandatory and voluntary pension funds in Croatia. It is a peer because it sits on the same statutory pension insurance value chain as Regos, interacting directly with the central registry and competing for member relationships downstream.

Emerging players

• Allianz Pension Partners: Allianz operates pension insurance and administration businesses across Europe. It is comparable as a peer in mandatory and voluntary pension insurance administration, particularly in markets where state registries coexist with private pension funds.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat3 records

Key risks4 records

Key highlights3 records

Customer concentration

• LinkedInlinkedin.com/company/regos

Revenue estimate

Valuation estimate

Number of profiles

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 Regos