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Mandatory pension scheme per sector: does it apply to you?
Written by Ilias3 min read
Most freelancers arrange their pension themselves, but there's an exception many entrepreneurs don't know: in certain sectors participation in a mandatory pension fund applies, sometimes also for the self-employed. This article explains when this can apply to you.
What is a mandatory pension scheme?
In some industries there's a mandatory industry-wide pension fund. Everyone working in that sector must participate in it and pay contributions. This is mainly known for employees, but in a number of sectors it applies under conditions also to the self-employed.
In which sectors does this apply?
Well-known examples of sectors where the self-employed can also be required to participate are the painting and finishing sector and healthcare in certain cases. Whether it applies to you depends on the precise description of the activities of the fund concerned. It's not a general rule, but sector-specific.
How do you know if it applies to you?
Whether you fall under a mandatory pension fund depends on your activities and the sector. If in doubt, contact the industry pension fund of your branch or check with your bookkeeper. It's important to check this, because having to pay contributions retroactively can be unpleasant.
What if you fall under it?
If you fall under a mandatory fund, you build pension there and pay contributions according to the rules of that fund. That can influence your own pension planning, because part is already arranged. Align your supplementary pension building with this, so you don't build too much or too little.
This article provides general information based on the rules known for 2026 and does not replace personal tax advice. For your specific situation, we're happy to take a look with you.
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