Pro Found - Betriebliche Vorsorge Gmbh & Co. Kg

What Pro Found - Betriebliche Vorsorge Gmbh & Co. Kg does

Pro Found – betriebliche Vorsorge GmbH & Co. KG is a German boutique insurance broker and consulting firm founded in 1996, headquartered in Munich (Landshuter Allee 6, 80637) with a primary contact office in Unterhaching. The company focuses exclusively on occupational pension provision (bAV — betriebliche Altersversorgung), serving German Mittelstand companies nationwide and explicitly declining DAX-scale engagements due to capacity constraints. Its service portfolio spans end-to-end bAV advisory: scheme design, implementation across insurance-based pathways (Direktversicherung, Pensionskassen, Unterstützungskassen), employer-subsidy calculation under post-2018/2022 regulation, employee salary-conversion consultations, and ongoing contract administration. The firm is licensed as an unconstrained Versicherungsmakler under §34d Abs.1 GewO (registration D-VWPN-QK7U0-09), supervised by IHK für München und Oberbayern.

The technology stack is built on a digital solutions layer ('Digitale Lösungen') covering digital consultations, digital application filing, and digital contract management, delivered in partnership with Xempus, a third-party digital bAV administration platform. A public Zuschuss-Rechner (subsidy calculator) is embedded in the website's bottom-of-funnel, and a separate content property, misterbav.de, operates as a personal brand for Managing Director Martin Stolzenburg. The firm is a GmbH & Co. KG with a Verwaltungs-GmbH general partner; no external investors, parent company, or funding rounds are disclosed.

Revenue is generated primarily through insurance commissions embedded in premiums paid by carrier insurers for mediated bAV policies, with an alternative fee-based consulting engagement model available. The customer base spans multiple German industries (engineering, industrial manufacturing, IT services) across major cities, served through direct advisory sales plus a digital self-serve channel via Xempus. Marketing relies on the company website, LinkedIn and XING presence, the Mister bAV brand, and content marketing aimed at both employers and employees.

Name

Pro Found - Betriebliche Vorsorge Gmbh & Co. Kg

Legal name

Pro Found – betriebliche Vorsorge GmbH & Co. KG

Website

https://pro-found.de

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

Pro Found is a German boutique insurance broker and consulting firm specializing exclusively in occupational pension provision (bAV) for Mittelstand companies, delivering advisory, scheme implementation, and digital contract management via its Xempus partnership under Managing Director Martin Stolzenburg.

Ownership category

akta.pro rank

Headquarters

HQ city

Unterhaching

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Versicherungsprovision): As an insurance broker, Pro Found earns commissions that are embedded in insurance premiums. These commissions are paid by the respective insurance company to the broker for mediating insurance policies. This is the primary revenue stream.
2. Consulting Fees (Beratungshonorar): As an alternative to insurance mediation, Pro Found can be engaged on a pure consulting basis, where fees are charged separately for advisory services rather than through commission structures.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Pro Found is a specialized insurance broker and consulting firm focused exclusively on occupational pension provision (bAV) for German Mittelstand companies. The company designs and implements customized company pension schemes across multiple insurance-based pathways, provides advisory and mediation services to employers and employees, and complements its consulting with digital solutions (digital consultations, application processing, and contract management) delivered through the Xempus platform partnership.

Product overview

Pro Found is a specialized insurance broker and consulting firm focused exclusively on company pension schemes (bAV - betriebliche Altersversorgung). The company offers a portfolio of services including custom bAV consulting for employers and employees, digital solutions (digital consultations, digital application processing, digital contract management), and operates as a business partner of the Xempus digital bAV platform. The company also provides a subsidy calculator tool. Services are delivered through an internal team of specialists, with Martin Stolzenburg as managing director, serving medium-sized companies across Germany. Revenue is generated through insurance commission and optional consulting fees.

Differentiator

Problem solved

Functional benefit

Brands

• Mister bAV: A related brand/homepage referenced in the navigation as a separate property (www.misterbav.de) with LinkedIn Feed integration.

Products and services

• bAV Consulting for Employers Customized occupational pension scheme (bAV) consulting for German Mittelstand employers, including scheme design, implementation pathway selection (Direktversicherung, Pensionskassen, Unterstützungskassen), employer subsidy calculations, and regulatory compliance support.
• bAV Consulting for Employees Advisory services for employees on salary conversion (Entgeltumwandlung), pension planning, and understanding of bAV benefits. Includes more than 2,000 salary conversion consultations led by the managing director.
• Insurance Brokerage Services (Versicherungsmakler) Multi-provider insurance brokerage for occupational pension products. As an unconstrained insurance broker (Section 34d Abs.1 GewO, registration D-VWPN-QK7U0-09), Pro Found mediates insurance policies from multiple providers to find optimal solutions for client needs.
• Pure Consulting Engagement (Beratungshonorar) Alternative consulting-only engagement model where Pro Found is hired on a fee basis for advisory services rather than through commission structures. Available on a quote basis.
• Digital bAV Solutions (Digitale Lösungen) Digital service bundle comprising digital consultations (Digitale Beratungen), digital application processing (Digitale Antragsstellung), and digital contract management (Digitale Vertragsverwaltung) delivered through the Xempus platform partnership, enabling remote client engagement.
• Subsidy Calculator (Zuschuss-Rechner) Online calculator tool for employers and employees to determine employer subsidy amounts for company pension schemes.

Quantifiable outcome

• Streamlined previously complex, administration-intensive and expensive bAV processes
• +1 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• XempuscoreTechnology or IntegrationXempus is a digital bAV platform that serves as a business partner for Pro Found. Through this partnership, Pro Found offers digital consultation, digital application filing, and digital contract management services to their clients. The Xempus platform enables efficient, technology-enabled bAV processes.
• Strato AGminorOthersStrato AG (Pascalstr. 10, 10587 Berlin) provides web hosting services for Pro Found's website (pro-found.de). This is a standard infrastructure provider relationship.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Deutsche Vermögensberatung (DVAG): Large German financial advisory network offering bAV and employer benefits solutions through tied and partner brokers; comparable to Pro Found as a German Mittelstand-oriented bAV distribution channel, though at much greater scale.
• MLP SE: German financial advisory group with a dedicated bAV/retirement consulting practice serving mid-market employers and employees, closely overlapping Pro Found's product, customer base, and Versicherungsmakler-style distribution model.
• tecis Finanzdienstleistungen: German financial advisory firm with a clear bAV focus area serving corporate clients; directly comparable to Pro Found in product mix, customer segment (Mittelstand employers), and fee/commission model.
• Versicherungsbörse / bAV-Maklerpool providers: German Versicherungsmakler and maklerpool operators that aggregate bAV products and provide back-office support to independent brokers; comparable to Pro Found's role in broking but with broader product and panel access.

Broad incumbents

• Allianz bAV/Vertrieb (Allianz Deutschland): Germany's largest insurer with substantial bAV distribution and employer consulting capabilities; competes for the same employer relationships but as part of a much broader product portfolio and tied-agent channel.
• Canada Life Deutschland: Specialized life insurer with strong bAV focus (Direktversicherung and Pensionsfonds products); operates partner-broker distribution that competes with Pro Found's independent broking channel for the same employer clients.
• Generali Deutschland bAV: Large German insurer offering bAV products and employer consulting services; comparable as a bAV distribution counterpart, though distribution is anchored to tied agents and corporate sales rather than independent Mittelstand brokerages.
• Swiss Life Deutschland: Major German life insurer with a specific focus on bAV (Direktversicherung, Pensionsfonds) and partner-broker distribution; overlaps with Pro Found's product offering but from a carrier rather than independent broker perspective.

Emerging players

• Xempus AG: Digital bAV platform that powers Pro Found's digital workflow; partially overlapping as it also connects employers to brokers and insurers, making it both a partner and a potential competitive channel.

Others

• Deutsche Maklerakademie (DMA): Industry training body where Pro Found's managing director lectures; adjacent ecosystem player that shapes bAV broker competency standards and indirectly influences Pro Found's positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pro-found-betriebliche-vorsorge-gmbh-co-kg

Compliance2 records

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 Pro Found - Betriebliche Vorsorge Gmbh & Co. Kg