What Klaro does

Klaro is a French B2B SaaS platform, headquartered in Paris and founded in 2019, that helps employers, social housing providers (bailleurs sociaux), and channel partners deliver a financial well-being benefit to their employees, tenants, and members. The platform indexes over 2,500 public and private financial aids across national, regional, departmental, and local levels — covering housing (APL, renovation), mobility, parenthood, disability (AAH, AEEH), and caregiver support — and combines this aid-matching layer with a bill comparator (energy, telecom, insurance), personalized life-event pathways, and dedicated human advisor follow-up (100% callback rate claimed). HR and partner dashboards provide aggregate visibility into social policy metrics such as caregiver prevalence and single-parent rates.

The company operates three go-to-market motions: a direct B2B enterprise sales motion targeting HR departments of SMEs to large groups (Decathlon, Norauto, STEF, Bpifrance, Stellantis, Geodis); a dedicated offering for social landlords (Klaro Offre Bailleur) serving tenants of organizations including RATP Habitat, SIDR, SFHE, Habitat 77, and Batigère; and a white-label/API partner channel (Klaro Offre Partenaire) for banks, mutual insurers, CSE externalizers, and healthcare providers — including AG2R La Mondiale, MACIF, WiiSmile, and Tilia — with integration reportedly achievable within 48 hours. Klaro generated approximately $2.95M in Series A funding in October 2022 led by Asterion Ventures with strategic participation from AG2R La Mondiale and Malakoff Humanis, and operates as a 'Société à mission' (mission-driven company).

Revenue is generated through flat-rate B2B enterprise subscriptions adjusted to client organization size (annual billing) and through partner/API integration fees for embedded deployments. Klaro reports serving 200+ enterprise and social landlord clients covering 300,000+ beneficiaries, with self-reported outcomes including an average €300 annual financial gain per employee user, 50% employee registration within weeks of deployment, and 80% user satisfaction. The platform's stated value is delivered via a structured aid database combined with human advisor support rather than automated AI decision-making.

Name

Klaro

Legal name

Klaro

Website

https://klaro.fr

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Employee Benefits Software

NAICS

Software Publishers (513210)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Dashboarding & KPI/Performance Management (HDAEAMAF)

Keywords

• Employee benefits platform
• Financial aid matching
• Social housing services
• HR benefits software
• Purchasing power platform

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Enterprise Subscription (B2B): Klaro generates revenue through B2B enterprise subscriptions charged on a flat-rate basis (forfaitaire) adjusted to the size and needs of the client organization. No hidden costs, with measurable return on impact from the first few weeks. This is the primary revenue stream serving enterprises and social landlords.
2. Partner/API Integration Fees: Revenue from channel partners (banks, mutual insurers, externalized CSEs, healthcare structures) who integrate Klaro into their ecosystems, likely through API access fees or co-deployment arrangements.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Klaro is a SaaS platform that matches employees and tenants with over 2,500 public and private financial aids (housing, mobility, family, disability, caregiving) across French national, regional, departmental and local levels. It combines an AI-powered aid simulator, a bill comparator for fixed expenses (energy, telecom, insurance), human advisor follow-up, and an HR/partner dashboard. The platform is delivered as three segmented offerings: enterprise, social landlord, and partner (white-label API).

Product overview

Klaro is a platform-based employee and tenant financial well-being solution operating as a unified offering across three distinct client segments: Klaro Offre Entreprise (for employers and their employees), Klaro Offre Bailleur (for social housing providers and their tenants), and Klaro Offre Partenaire (a white-label API-embeddable module for banks, CSEs, insurers, and healthcare organizations). All three products share the same core technology: a subsidy simulator that indexes over 2,500 national and local public and private aid devices, a bill comparator, a dedicated human advisor model, and an HR/partner dashboard. Supporting sub-products include the Simulateur (standalone impact calculator), the Kit de survie aux NAO (a co-branded annual negotiation toolkit with four partner HR vendors), and a Ressources library (guides, webinars, checklists). The platform does not offer AI or automated decision-making; its value is delivered through human-guided administrative support combined with a structured aid database.

Differentiator

Problem solved

Functional benefit

Products and services

• Klaro Offre Entreprise Employer-facing SaaS platform providing employees with a subsidy simulator covering over 2,500 public and private aids (national, regional, departmental, local), a bill comparator for energy/phone/insurance, and a dedicated human advisor guiding each employee through administrative procedures. Delivered turnkey with no technical integration; generates an average €300 per employee per year.
• Klaro Offre Bailleur Platform for social housing providers (bailleurs sociaux / HLM) that enables tenants to access housing subsidies, optimize fixed expenses, and receive guided administrative support. Includes tenant-facing dashboard, helps landlords reduce rent arrears and fulfil their social mission, and is eligible for the FSI innovation subsidy of up to €20,000.
• Klaro Offre Partenaire White-label or embedded offering for banks, mutual insurers, CSEs (Works Councils), and healthcare organizations to integrate Klaro's subsidy and financial well-being capabilities into their own client platforms via API. Service is operational within 48 hours with dedicated technical support, enabling partners to add a new revenue source, differentiate their offer, and access customer insights through a dedicated dashboard.
• Simulateur Klaro Standalone public impact simulator allowing HR professionals and individuals to estimate the potential aid amounts they could unlock through Klaro, including average per-employee gains and examples of eligible regional aids. Generates personalized results based on five simple questions about income or family situation; serves as a lead generation tool for the sales pipeline.

Quantifiable outcome

• Average €300 annual financial gain per employee user
• +8 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• AG2R La MondialecoreGTM or Marketing PartnerAG2R La Mondiale, a major French mutual insurance group, partners with Klaro to enrich its customer journey with a financial purchasing power solution, strengthening member satisfaction and loyalty.
• WiiSmileminorChannel Partner/ Reseller/ DistributorWiiSmile, a leading French CSE externalization platform for SMBs, integrates Klaro as a complementary service to provide purchasing power support to its SME clients and their employees.
• TiliaminorChannel Partner/ Reseller/ DistributorTilia, a medico-social support provider, offers Klaro to its clients as part of its accompaniment logic, helping vulnerable populations access financial aids they are entitled to.
• UpcoopcoreChannel Partner/ Reseller/ DistributorUpcoop, a financial services cooperative (800 employees), partnered with Klaro to address the important challenge of reconciling professional and personal life for its employees, implementing the platform as part of its social action strategy.
• GeodiscoreGTM or Marketing PartnerGeodis (logistics company, logo displayed on client page) is a reference customer and partner of Klaro, promoting the solution to its employees.
• StellantiscoreGTM or Marketing PartnerStellantis (automotive group, logo displayed on client page) is a reference customer of Klaro.
• IpsoscoreStrategic or Co-development PartnerKlaro partners with Ipsos to produce annual barometers on the financial health of employees and its impact on businesses. The 'Baromètre Santé financière des salariés et impacts sur l'entreprise 2026' establishes Klaro as a thought leader in the financial well-being space.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• WiiSmile: Leading French CSE externalization platform for SMBs that integrates Klaro as a complementary service. Both target French employers seeking to improve employee purchasing power through benefits platforms, with overlapping enterprise HR buyer personas.
• Glady: French employee benefits platform offering gift cards, vacation vouchers, and CSE solutions. Competes directly with Klaro for enterprise HR budgets, though with a different feature focus (billetterie) than Klaro's aid-matching approach.
• HelloCSE: French CSE platform offering benefits, billetterie, and event management for works councils. Explicitly named by Klaro as a competitor in the 'nouvelle génération' employee benefits category.
• Leeto: French CSE platform targeting modern and tech-forward companies with employee benefits, gift cards, and lifestyle perks. Competes directly with Klaro for the same enterprise HR decision-maker.

Broad incumbents

• Edenred: Multi-billion-euro French-listed global employee benefits leader (meal vouchers, gift cards, mobility). Competes broadly with Klaro in the employee benefits category and has the resources to add financial aid matching features at scale.
• Swile: French unicorn employee benefits and meal voucher platform with significant employer penetration. Competes broadly in employee engagement benefits and has scale advantages that could threaten Klaro's enterprise expansion.
• Silae: French HR and payroll SaaS leader serving SMEs with payroll, HR management, and compliance. Competes in the broader HR tech category and could embed financial aid matching as a complement to its payroll offerings.
• Up & Up (Up Coop): French cooperative offering employee benefits including meal vouchers, gift cards, and CSR solutions. Both Upcoop (a Klaro client and partner) and Klaro target the same HR buyer seeking to improve employee financial well-being.
• Alan: French health insurance and well-being unicorn serving employers with employee benefits including mental health, physical wellness, and now broader well-being services. Competes in the broader employee experience category where Klaro plays.

Emerging players

• Mayday: French financial well-being platform helping employees manage and optimize their personal finances. Competes with Klaro's bill comparison and financial advisory features, though with a different technical focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/klaro1
• Facebookfacebook.com/klaro.ex.tma
• LinkedInlinkedin.com/company/klaro-extoutesmesaides

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Klaro