Despite the challenging situation on the equity and bond markets, Profond achieved a total return of 5.3 per cent and a funding ratio of 109.8 per cent in 2025. The interest rate on retirement assets is 2.25 per cent. The interest rate was restricted by the notification by the Supervisory Commission for Occupational Pensions (OAK BV), which is why Profond has lodged a complaint with the Federal Administrative Court. The central question concerns the conditions under which pension funds can determine their interest rate on a competitive basis.

Last year was marked by qualitative growth. The number of insured persons and assets under management increased considerably. At the same time, the ratio of actively contributing members to pensioners improved. This strengthens the risk capacity of Profond and is particularly important for the future, when there will be more and more pensioners.

In the annual report, we examine the 2025 financial year in detail and explore how growth shapes the everyday lives of our clients — Elfix, a Haute Horlogerie business, and Viscom Engineering, a building automation company — and the sales operations of Profond.