Pfr Portal Ppk Sp. Z O.o.

What Pfr Portal Ppk Sp. Z O.o. does

PFR Portal PPK sp. z o.o. is a state-owned Polish limited liability company established in 2019 as part of the Polish Development Fund (Polski Fundusz Rozwoju) Group. The company operates as the designated information and education operator for Poland's Pracownicze Plany Kapitałowe (PPK / Employee Capital Plans), a state-mandated long-term retirement savings system. It serves three core stakeholder groups: employers required to implement PPK across all size brackets from micro-enterprises to large corporations and public institutions; employees and individual participants including the 5.31 million-plus active account holders; and financial institutions (banks, insurers, investment fund companies) that manage PPK accounts and publish offerings on the company's portal.

The company's product portfolio centers on the MojePPK.pl informational portal launched in January 2019 and the rachunek.mojeppk.pl account aggregation service launched in 2021, which enables participants to check balances across all PPK accounts at different financial institutions in one place. Complementary offerings include free online and in-person training services (over 12,000 sessions delivered to nearly 300,000 participants in seven years), a monthly PPK Bulletin newsletter, the PPK Express podcast series, an interactive savings calculator on MojePPK.pl, multilingual guides and downloadable forms in Polish, English, Ukrainian, and Belarusian, animation videos, and a toll-free helpline (800 775 775). The company operates an annual 'Odpowiedzialny i Przyjazny Pracodawca' (Responsible and Friendly Employer) recognition program and participates in industry forums including the European Economic Congress and Forum Ekonomiczne in Krynica.

The business model is structurally non-commercial. PFR Portal PPK is a public-mission entity whose operations are funded through the Polish state budget as part of the PFR Group's mandate to promote the PPK program; the company does not charge employers, employees, or financial institutions for any service. All training, consultations, conferences, portal access, and account aggregation are provided free of charge. Distribution relies on a hybrid model combining self-service digital channels (MojePPK.pl), a nationwide regional expert network, a hotline, and partnerships with financial institutions and state labor market bodies — most notably a June 2026 partnership with Ochotnicze Hufce Pracy (OHP) for youth financial literacy covering approximately 500,000 young people annually. Paid-in share capital stands at 37.4 million PLN, and registered headquarters are at ul. Krucza 50, Warsaw.

Name

Pfr Portal Ppk Sp. Z O.o.

Legal name

PFR Portal PPK sp. z o.o.

Website

https://pfrportal.pl

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

PFR Portal PPK sp. z o.o., established in 2019 within the Polish Development Fund Group, is Poland's designated operator for the Employee Capital Plans (PPK) retirement savings program. It serves employers, employees, and financial institutions via free training, the MojePPK.pl portal, and the rachunek.mojeppk.pl account aggregation service.

Ownership category

akta.pro rank

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Government-funded operations: As a wholly owned entity of the Polish Development Fund (Polski Fundusz Rozwoju) Group, PFR Portal PPK operates as a non-profit public mission entity. The company's operations are funded through the state budget as part of the PFR Group's public mandate to promote and disseminate Pracownicze Plany Kapitałowe (Employee Capital Plans). The company does not charge employers, employees, or financial institutions for its services. All training, consultations, conferences, and the MojePPK.pl portal are provided free of charge.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

PFR Portal PPK sp. z o.o. operates as the official information and education operator for Poland's Pracownicze Plany Kapitałowe (Employee Capital Plans, PPK) program. The company runs the MojePPK.pl informational portal providing news, financial institution offerings, legal interpretations, guides, brochures, and forms in multiple languages, plus the rachunek.mojeppk.pl account aggregation service launched in 2021. It also delivers free training sessions, conferences, consultations, a monthly bulletin, a savings calculator, and a toll-free hotline (800 775 775) to employers, employees, and financial institutions.

Product overview

PFR Portal PPK sp. z o.o. is a corporate information and education operator for Poland's Pracownicze Plany Kapitałowe (Employee Capital Plans) program, part of the Polish Development Fund Group. The company's product portfolio centers on MojePPK.pl, an information portal providing comprehensive coverage of PPK offerings, supplemented by the specialized rachunek.mojeppk.pl account checking service launched in 2021. Additional offerings include the monthly Biuletyn PPK bulletin, free training services (Szkolenia PPK) conducted both online and stationary, the PPK Calculator tool for savings projections, and a dedicated hotline (800 775 775). The company also publishes guides, brochures, and forms in multiple languages, making the PPK program accessible to a broad audience of Polish employees and employers.

Differentiator

Problem solved

Functional benefit

Products and services

• MojePPK.pl Information Portal Central information portal about Pracownicze Plany Kapitałowe (Employee Capital Plans), providing news, financial institution offerings, legal interpretations, and downloadable guides, brochures, and forms in multiple languages.
• Rachunek.mojeppk.pl Account Aggregation Service Specialized service allowing PPK participants to check the status of savings accumulated across all PPK accounts in one place.
• PPK Training Services (Szkolenia PPK) Free training and workshops about Pracownicze Plany Kapitałowe for employees and PPK administrators, available online and stationary, delivered in multiple languages (Polish, English, Ukrainian, Belarusian).
• Biuletyn PPK (PPK Bulletin) Monthly bulletin providing data updates, expert analyses, and market information about Pracownicze Plany Kapitałowe.
• Kalkulator PPK (PPK Savings Calculator) Interactive online tool allowing employees to estimate future retirement capital by inputting salary and contribution values.
• Infolinia PPK (PPK Hotline) Customer support hotline at 800 775 775 providing assistance to PPK participants and employers.

Quantifiable outcome

• 59.8% participation rate, 5.31+ million active accounts, and 46.87 billion PLN in net assets as of March 2026
• +3 more outcomes

Named customers23 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Ochotnicze Hufce Pracy (OHP) — Voluntary Labor ReservescoreStrategic or Co-development Partner · 16 June 2026PFR Portal PPK entered into a partnership with Ochotnicze Hufce Pracy (OHP), Poland's state labor market institution supporting youth aged 14-30. The partnership aims to strengthen financial and retirement literacy among young people. PFR Portal PPK experts deliver 'train the trainer' workshops to OHP educators on the 'Emerytura – Twój plan na przyszłość' (Pension – Your Plan for the Future) program, covering Poland's pension system, long-term saving, and financial security. OHP reaches approximately 500,000 people annually, with over 40,000 under ongoing institutional care. The partnership also includes webinars for OHP staff on PPK and broader long-term saving topics.

Scale indicators8 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• MoneyHelper: UK government-backed free financial guidance service providing impartial pensions, savings, and money advice to consumers. Closely comparable as a public-mission, free-to-user financial education and guidance platform analogous to MojePPK.pl's role.
• Alecta: Swedish occupational pension provider managing ITP workplace pensions for millions of private-sector employees under collective agreements. Comparable as a large-scale occupational pension operator with member information and employer services.
• Keva: Finnish public-sector pension provider managing mandatory local-government and state employee pensions. Comparable as a publicly mandated pension organization providing member information, education, and digital services in a Nordic auto-enrollment-like environment.
• The People's Pension: UK master trust workplace pension provider serving millions of employees under auto-enrollment, offering information, employer tools, and member portals. Comparable as a non-profit/multi-employer pension operator serving similar horizontal employer/employee segments.
• NEST Corporation: UK government-backed workplace pension scheme operator created through auto-enrollment legislation, providing information, guidance, and a default pension fund for millions of UK employees. Directly comparable as a state-mandated operator of an auto-enrollment retirement savings program with analogous public-education and outreach functions.
• PensionDanmark: Danish labor-market pension fund administering workplace pensions for ~750,000 members under collective agreements. Comparable as a mass-participation workplace pension operator with member education and digital self-service tools.
• NOW: Pensions: UK workplace pension provider administering auto-enrollment pensions for hundreds of thousands of employees, with member portals and employer services. Comparable in serving mandatory employer pension schemes with an information/education layer.

Emerging players

• Smart Pension: UK pension technology platform powering auto-enrollment for employers, with employer dashboards and member apps. Comparable as a digital pension-administration platform serving similar employer/employee segments, though commercially backed rather than state-mandated.

Broad incumbents

• APG Group: Largest Dutch pension administrator managing mandatory occupational pension assets for multiple Dutch pension funds. Comparable as a large-scale administrator in a country with mandatory/mass-participation workplace pensions, though serving as asset manager rather than information operator.
• PFA Pension: One of Denmark's largest commercial pension companies providing workplace pensions, savings products, and customer advisory services. Comparable in serving employers and employees with pension products, though commercially oriented.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pfr-portal-ppk

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 Pfr Portal Ppk Sp. Z O.o.