Custom pension software built to fit the Dutch pension system: Wtp transition, participant and employer portals, HR integrations and DNB reporting. For pension funds, administrators, PPIs and employers who need more than a standard administration package offers.
A pension scheme is a promise that spans decades. Contributions come in through employers, entitlements accrue, investments may or may not perform, and at the end there must be a benefit that is correct, backed by an audit trail that can still be reconstructed thirty years later. Wtp, IORP II, DNB supervision, AFM PRIIPs, tax rules and GDPR add a layer of rules to every process.
We build custom software for pension funds, pension administrators, insurers with a pension product, premium pension institutions and employers with large pension schemes who want to integrate their HR IT with their pension administration. We are not replacing a major administration package such as Mercurius, AION, Pension Plan Manager or Civica for the core process. Instead, we build the Wtp flow, the portal, the HR integration or the product line that is not currently covered.
Our clients include industry-wide and company pension funds, pension administrators such as APG, MN, PGGM, AZL, AON and TKP, insurers with a pension product (NN, ASR, Aegon, Athora), premium pension institutions, and employers with large pension schemes in healthcare, construction, government or industry. A recurring theme: standard packages handle generic member administration well, but leave gaps where Wtp entitlement conversion is involved, where members and employers need their own digital channel, or where HR systems must pass on in real time what is happening to an employee.
What we build depends on your role (fund, administrator, insurer, PPI or employer) and on where your current standard package is reaching its limits. In the first conversation we advise which form suits your situation.
A secure environment where participants can view their pension record, download a UPO, check an AOW forecast and report changes — or where HR departments at affiliated employers register new employees, update salaries and view premium statements. Works alongside your existing administration package and eases the load on your helpdesk.
An integration layer that feeds pension administration in real time from AFAS, Visma, Workday or BambooHR. Joiners, leavers, salary changes and part-time adjustments all flow through automatically, with validation, error handling and an audit trail. No more Excel uploads, no manual re-keying, and no backlogs that only surface at the annual UPO.
An end-to-end pension platform for a specific product line, such as a Wtp flow that converts accrued rights to the new pension system, a DC or CDC scheme with its own investment mix, or a sector fund with schemes that do not exist in standard packages. Includes a rules engine, premium collection, DNB reporting and integrations with UWV and existing pension administrators.
A production-ready pension application, plus everything your team needs to manage, audit and extend it themselves as the pension framework and your membership evolve.
Standard packages such as Mercurius (TKP), AION (APG), Pension Plan Manager (AZL), Civica, Conduent or Plextek cover generic participant administration well, and there is no need to change them for your core process. We step in where the standard no longer fits, and we see the same patterns recur there.
The Wet toekomst pensioenen (Future of Pensions Act) requires rights conversion, communication to members, new reports and adjustments to the investment mix. Many off-the-shelf packages offer generic functionality, but your fund has its own transitional rules and exceptions that call for custom software.
A portal where members can view their pension accrual, run scenario calculations, link an AOW forecast and report changes. It is built in your house style, mobile-first, with DigiD authentication. Helpdesk volumes become noticeably calmer, and meeting the Wtp communication obligation becomes much simpler.
For large schemes or funds with many affiliated employers, the monthly Excel-based data submission becomes unmanageable. A real-time integration with AFAS, Visma or Workday prevents backlogs, incorrect premiums and disputes during UPO delivery.
Sector funds for healthcare, construction or government have rules that do not exist in a generic package: separate premium classes, sector collective labour agreement links, early retirement schemes or specific risk types. A dedicated module running alongside the core package keeps the schemes tidy and the administration clean.
With OneDayBuild, we turn your idea into something tangible in one day for €1,150, so you can see whether further development is worth the investment. Decide to go ahead with the full build? Then we credit the full cost.
Explore OneDayBuild →A pension application rarely consists of a single screen with a single purpose. Beneath the surface, modules feed each other: members, premiums, rights, investments, communication and reporting. Which ones you need depends on your role. A PPI is built differently from an industry-wide pension fund. Below are the building blocks we most often deliver or connect to an existing core system.
A data model that faithfully holds participants, employment relationships, salaries, contributions, accrued entitlements, benefits and changes — reconstructable decades later. Communication history, advice records and all source documents in one file per participant.
From employer submission via SEPA direct debit through to posting to the pension administration and eventual payment of benefits. Reconciliation against employer and participant records, automatic escalation of arrears, and integration with your treasury function for liquidity planning.
A configurable engine that converts accrued entitlements to the new pension system according to your transition plan. Version history of rules so conversions can always be reconstructed, scenario calculations before implementation, and demonstrable logging for DNB and your own accountability.
Participants can view their accrual, run scenarios, download their annual pension statement, arrange transfer of value or partner's pension, and ask questions of your service team. DigiD authentication, branded to your look and feel, mobile-first for younger participants and accessible for retirees.
HR departments register members as joining or leaving, amend salaries, view premium overviews and export reports for their own administration. Multi-tenant with role-based access, and integrations with AFAS, Visma or Workday for those who want to move to real-time data exchange.
Generation of annual pension statements in line with statutory requirements, annual summaries, projection letters, and letters on divorce and retirement — generated automatically with version management and demonstrable retention periods. PDF/A for archiving, standard PDF for post, HTML for the portal and export for the pension register.
Reporting for DNB supervision (including coverage ratio returns, Wtp reports and recovery plans), AFM PRIIPs information for participants, and IORP II reporting for cross-border funds. Standard export flows, with an audit trail from source data to final report.
DigiD for member authentication, eHerkenning for business users, BSN integrations for UWV data exchange, and single sign-on via Azure AD, Google Workspace or Auth0 for your internal and partner users. See also our page on smart API integrations.
Real-time integrations with AFAS HR, Visma, Workday and BambooHR for employer changes; a UWV integration for state pension, incapacity for work and partner pension; and file exchange with administrators such as APG, PGGM, MN or AZL for funds that outsource sub-schemes.
Pension data is highly sensitive and retention periods are long. We build role-based access, automatic anonymisation of deceased members in line with your policy, exportability for subject access requests and data minimisation in the integrations: only what is necessary, and nothing more.
A conversation in which we understand which scheme you are digitising, which administrator or administration package you currently use, which employers are affiliated, and which Wtp, IORP II or DNB requirements apply. We explicitly discuss what we integrate and what we replace. It is almost always the former, rarely the latter.
A workshop with your scheme administration, IT, compliance, communications and board. We map the pension lifecycle and its exceptions: accrual, conversion, transfer of value, retirement, death and divorce. At the end, we have a validated scope, an initial screen flow and clarity on the rules engine.
Every two weeks, a working build that you, your operations team and your compliance officer can test. We connect early with the test environments of HR systems and administrators so integration risks don't explode at the end. The first tier runs after a few sprints; a full Wtp conversion is a multi-sprint programme.
Penetration testing, a DPIA and a formal audit round before production. A phased rollout: first a small cohort of members or a single affiliated employer, then scaling up. Ongoing management follows for security, monitoring and further development, for example in response to Wtp transitional arrangements, fiscal ceilings or new DNB reporting requirements.
What funds, administrators and employers usually want to know before we begin.
A thirty-minute introductory call, with no obligation. We listen to your scheme, your administrator, your HR landscape and your Wtp timeline, and we give direction that is useful to you, even if custom development turns out not to be the right choice. See also our page on insurance software for related financial services context.
Appfront uses cookies and similar technologies to keep the website working properly, for analytics and for marketing. You choose what you allow. Read more in our privacy policy.
