Pension

A good pension scheme is of great importance to all employees.

At the same time it is, after salaries, also the most expensive employment benefit. We help you with a suitable and future-proof collective pension scheme (pensioenregeling).

As an entrepreneur you naturally also want to have your pension properly arranged. We are happy to help you with a suitable solution.

Getting and keeping an overview of your pension scheme

The pension system, the provider and the method of financing all play an important role for employers and employees. That is not exactly easy! The world of pensions is complex and constantly changing. We make sure you get and keep an overview and help you with your pension scheme. We offer you:

advice on setting up, extending or changing your pension scheme;
guidance for works councils (ondernemingsraden) on pension schemes;
analysis of what pension providers offer;
and we inform employees about the pension scheme, so that all parties are well aware of this important employment benefit.

A (new) collective pension scheme

Is no industry-wide pension fund (bedrijfstakpensioenfonds) applicable to your business? And do you want to set up a collective pension scheme? Then we are happy to propose suitable options and provide insight into the financial consequences for your business. We discuss your wishes and options, provide insight into the financial consequences for your company and inform your employees about the (new) employment benefit.

An existing administration agreement

When the agreement between the business and the pension provider expires, that is a good moment to review the scheme thoroughly. Interest rates and increased life expectancy affect the pension scheme. We analyse the various proposals and map out the differences. We can advise you on the level of the pension contribution, offer a thorough analysis of providers and support you in amending the administration agreement.

Support for the works council

Every decision concerning a pension scheme requires the approval of the works council (ondernemingsraad, OR). As a works council you have the right to consult an expert. We help works councils to assess proposed decisions so that they can make well-founded choices.

This means you stand more firmly as a works council member, you gain insight into the effects of proposed decisions and, as a works council, you make well-founded choices.

Advice on industry-wide pension funds

In the Netherlands we have a large number of compulsory industry-wide pension funds. If your business is not affiliated with the right pension fund, that can have major financial consequences for your business and your employees. So make sure that your business is affiliated with the right industry-wide pension fund (bedrijfstakpensioenfonds, BPF).

We help you determine the industry sector and advise you on the options.

Your pension as an entrepreneur

A pension is not only important for your employees, but also for yourself. Will you still be able to do your shopping once you are retired? Make sure you have a carefree old age for yourself too. We are happy to help you map out and optimise your own pension situation.

A possible pension shortfall or pension gap

Many people have a pension shortfall. Would you like to know whether your old age is well provided for? Then get in touch with us to establish whether that is indeed the case and, where possible, to adjust it.

Questions about pensions?

Discover what a good pension does for your organisation.

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Most frequently asked questions

Answers to the most frequently asked questions about pensions.

What do I still need to arrange for the new pensions legislation?

Is your pension scheme not yet future-proof? Then do not wait too long to act. This change process has to be handled carefully and it has to be coordinated with the employees and, where applicable, the works council (OR) or the employee representative body (PvT, personeelsvertegenwoordiging).

So start in good time on drawing up a step-by-step plan and set out a timeline that suits your company. Bear communication in mind as you do so: a well-informed employee feels more involved and more confident.

What can I arrange as an entrepreneur for my old age?

As an entrepreneur you are no longer allowed to build up a pension within your own business, but there are still plenty of alternatives, such as building up a pension with a bank or an insurer. We are happy to discuss with you what suits you best.

What do I need to know as a works council member about the new pensions legislation?

From 2028 all pension schemes have to comply with the Future Pensions Act (Wet toekomst pensioenen), and that has consequences for every pension scheme. The works council has the right of approval when a pension scheme is changed, which is why it is advisable to have yourself informed by an external expert. That way you become a fully-fledged discussion partner for the employer and you can make sound choices. We are happy to help with this.