About us

We close Europe's pension gap.

Xaver is a B2B provider enabling banks, insurers and brokers to deliver AI-powered pension and investment products efficiently and compliantly.

2023
Founded
Köln
Headquarters
BaFin
regulated
ISO 27001
Xaver Group certified
Mission

Pensions made relevant again.

At Xaver we transform Europe's financial sector and close the pension gap through innovative, AI-driven solutions. We go beyond providing services – we revolutionise how financial products are delivered: more efficient, more accessible, more personal.

As a B2B provider we enable banks, insurers and brokers to offer flexible, AI-enhanced pension products – streamlined operations, tailored advice, a secure financial future for all Europeans.

Xaver Group GmbH is the parent company. Xaver Asset Management GmbH (XAM) is the investment firm supervised by BaFin (WpIG) and is responsible for managing assets.

Cologne, the cathedral and the Hohenzollern bridge under a clear sky.
Headquarters
Cologne, Germany
Management team

A management team with experience.

01
Max Bachem
Founder & CEO

Former insurance CEO (Coya, Luko Insurance AG). Previously Head of Group Corporate Development, Investments and Strategic Partnerships at AXA Germany; before that, Oliver Wyman.

02
Ole Breulmann
Founder & CPTO

Leads product and technology, from AI orchestration to the platform. AI and data science expert, previously Chief Product Officer at Hypoport.

03
Dr. Björn Holste
CFO & Co-Head of XAM

Banking and asset management expert, previously at Deutsche Bank and UBS.

04
Nigel Jankelson
COO & Co-Head of XAM

Previously COO at Coya and CEO and COO at Luko Insurance; before that, investment banking, most recently as COO at Macquarie.

Our story

From setup to market standard.

  1. April 2023
    Founded in Cologne
    Max Bachem and Ole Breulmann found Xaver to revolutionise financial advisory across Europe.
    01
  2. 2024
    Management complete
    Dr. Björn Holste and Nigel Jankelson join – fintech, banking, insurance and asset management expertise. ISO 27001 certification of Xaver Group.
    02
  3. 2025
    Platform & XAM live
    The platform and Xaver Asset Management GmbH (XAM) go live – XAM is BaFin-supervised.
    03
  4. May 2026
    Partnership with ODDO BHF AM
    Strategic partnership with ODDO BHF Asset Management for digital pensions and the white-label platform for the Altersvorsorgedepot.
    04
  5. September 2026
    Scale-up.NRW Batch #5
    Xaver joins Batch #5 of Scale-up.NRW, the 18-month scale-up programme of the state of North Rhine-Westphalia.
    05
  6. October 2026
    Partner launches: BCA and Helvetia
    BCA announces the “BCA Xaver Altersvorsorgedepot powered by ODDO BHF Asset Management” (1 October); Helvetia launches its pension platform for the Altersvorsorgedepot, built on Xaver (7 October).
    06
Values

What drives us.

01
One team.
We empower each other, foster diverse perspectives, encourage open communication and celebrate shared achievements.
02
Every day counts.
Responsibility for innovative value creation – smart, speedy execution fuelled by data and AI.
03
Always improving.
Entrepreneurial mindset, challenge everything, live a feedback culture for continuous learning.
04
Customer success = our success.
We create a financially prosperous future for all Europeans and empower our partners to grow.
Recognition

Nine awards, two finalist placings, one scale-up programme – plus the BSFZ seal of approval from the German government.

All awards →
BaFin
regulated
ISO 27001
Xaver Group certified
BSFZ
Seal
Join us

A modern workspace – in the heart of Cologne.

International team, collaborative spirit, real impact. Explore open roles.

Open roles →Contact
A slowly turning, desaturated globe with relief coastlines, a few marked nodes and fine connecting lines.

Walk through your use case with us.

  • We show you the modules that matter for your case
  • With Max Bachem, founder & CEO
  • No obligation, no preparation needed
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