--- title: Annual Report PensFlex 2022 --- [Home](https://pens-expert.ch) - [English](https://gb23.pens-expert.ch/en/pensflex) - [Deutsch](https://gb23.pens-expert.ch/de/pensflex) - [Français](https://gb23.pens-expert.ch/fr/pensflex) # Our Annual Report. ## Making provisions means shaping the future! ![PensFlex](https://gb23.pens-expert.ch/hs-fs/hubfs/logo/EN_PensFlex+Byline.png?width=473&height=473&name=EN_PensFlex+Byline.png "PensFlex") In the course of the digitalization of our company we are again not sending physical annual reports to our customers this year. You can simply download the annual report (in german and french) directly after submitting your personal data. We hope you enjoy reading it. ##### Your contact on site Lucerne Basel Lausanne St. Gallen Zurich PensExpert AG Kauffmannweg 17 6003 Lucerne +41 41 226 15 15 [welcome@pens-expert.ch](mailto:welcome@pens-expert.ch) [How to reach us](https://www.google.com/maps/place/PensExpert+AG/@47.0466956,8.3039903,17z/data=!4m12!1m6!3m5!1s0x478ffba3d8086e6f:0x998ac0d49faefc38!2sPensExpert+AG!8m2!3d47.046692!4d8.306179!3m4!1s0x478ffba3d8086e6f:0x998ac0d49faefc38!8m2!3d47.046692!4d8.306179) PensExpert AG Hirschgässlein 19 4051 Basel +41 61 226 30 20 [welcome@pens-expert.ch](mailto:welcome@pens-expert.ch) [How to reach us](https://www.google.com/maps/place/PensExpert+AG/@47.5508934,7.5907464,17z/data=!4m12!1m6!3m5!1s0x4791b96e9684ac43:0x7633538b3dee20e8!2sPensExpert+AG!8m2!3d47.5508898!4d7.5929351!3m4!1s0x4791b96e9684ac43:0x7633538b3dee20e8!8m2!3d47.5508898!4d7.5929351) PensExpert SA Avenue de Rumine 33 1005 Lausanne +41 21 331 22 11 [welcome@pens-expert.ch](mailto:welcome@pens-expert.ch) [How to reach us](https://www.google.com/maps/place/PensExpert+SA/@46.5164098,6.6402927,17z/data=!4m12!1m6!3m5!1s0x478c2ff2af8c0d3d:0xd3dad4470c293298!2sPensExpert+SA!8m2!3d46.5164061!4d6.6424814!3m4!1s0x478c2ff2af8c0d3d:0xd3dad4470c293298!8m2!3d46.5164061!4d6.6424814) PensExpert AG Bankgasse 8 9000 St. Gallen +41 71 226 68 68 [welcome@pens-expert.ch](mailto:welcome@pens-expert.ch) [How to reach us](https://www.google.com/maps/place/PensExpert+AG/@47.4236082,9.37517,17z/data=!4m12!1m6!3m5!1s0x479b1ffc72d4c815:0xa22cbe83b30c473c!2sPensExpert+AG!8m2!3d47.4232887!4d9.3751832!3m4!1s0x479b1ffc72d4c815:0xa22cbe83b30c473c!8m2!3d47.4232887!4d9.3751832) PensExpert AG Tödistrasse 63 8002 Zurich +41 44 206 11 20 [welcome@pens-expert.ch](mailto:welcome@pens-expert.ch) [How to reach us](https://www.google.com/maps/place/PensExpert+AG/@47.3686506,8.5304974,17z/data=!4m12!1m6!3m5!1s0x47900a02431b330b:0x83cf61b381be5a41!2sPensExpert+AG!8m2!3d47.3686506!4d8.5326861!3m4!1s0x47900a02431b330b:0x83cf61b381be5a41!8m2!3d47.3686506!4d8.5326861) ##### Useful Links [Articles and opinions](https://gb23.pens-expert.ch/en/articles-and-opinions?hsLang=en) [PensCheck](https://gb23.pens-expert.ch/en/penscheck?hsLang=en) [Fit 4 Pension](https://gb23.pens-expert.ch/en/fit4pension?hsLang=en) [Career](https://gb23.pens-expert.ch/en/about-us/career?hsLang=en) [Privacy Policy & Impressum](https://gb23.pens-expert.ch/en/disclaimer?hsLang=en) ##### Stay informed about PensExpert. © 2023 PensExpert AG