SAPIENDO
SAPIENDO is a Paris-based French retirement advisory firm offering a proprietary digital platform (Leïa) and expert consulting across 22 pension schemes, serving individuals, enterprise HR departments, banks, insurers, and wealth advisors.
- Company typePrivate
- Founded2015
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What SAPIENDO does
SAPIENDO, operating legally as R'FinTech (SAS, RCS Paris 812 843 894, share capital €261,200), is a France-only retirement advisory firm founded in 2015 and headquartered at 19 rue de Calais, 75009 Paris. Its core product is Leïa, a proprietary digital platform that performs automated reading and analysis of the Relevé Individuel de Situation (RIS) and tax notices via OCR, runs pension simulations across 22 French schemes covering approximately 95% of insured situations, and provides optimization, departure-dating, and administrative-assistance workflows. Around the platform, Sapiendo sells a tiered set of advisory services to individuals (Bilan retraite Essentielle at €690, Confort at €1,890, Premium and Sur-mesure on quote), departure-assistance packages (from €990), expert consultations, and secure document storage (Coffre-fort numérique), while Sapiendo Academy offers professional training.
The business model combines digital self-serve and subscription revenue with expert professional-services revenue across B2C, B2B (enterprise HR), and B2B2B (banks, insurers, independent wealth advisors) channels, supplemented by an employer-funded "tiers financeurs" partnership channel. Pricing spans transactional one-off engagements at the entry level, mid-tier fixed-price bilans, and quote-based multi-year contracts for premium and customized engagements, with enterprise pricing available on request. Technology integrations include France Connect for identity, Stripe for payments, iAdvize for chat support, and Google Analytics. Leadership consists of President and founder Valérie Batigne, who is publicly positioned as the company's thought leader on French retirement topics. The firm has no disclosed external investors, parent company, subsidiaries, or acquisitions.
SAPIENDO firmographics
Firmographics- Name
- SAPIENDO
- Legal name
- R'FinTech
- Website
- https://sapiendo-retraite.fr
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SAPIENDO is a Paris-based French retirement advisory firm offering a proprietary digital platform (Leïa) and expert consulting across 22 pension schemes, serving individuals, enterprise HR departments, banks, insurers, and wealth advisors.
- Ownership category
- akta.pro rank
SAPIENDO industry classification
Industry- Product category
- Retirement Advisory Services
- NAICS
- Management Consulting Services (54161), Human Resources Consulting Services (541612)
- SIC
- Services-Management Consulting Services (8742)
- akta.pro primary industry
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
- akta.pro secondary industries
- Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Benefits Administration (BPACAPAC)
Keywords
Where SAPIENDO is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
SAPIENDO business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Sapiendo Digital: Digital platform services including retirement simulations, RIS analysis, and tax document reading. Revenue generated through one-time purchases and subscription models for individuals and professionals accessing the Leïa platform.
- Sapiendo Expertise: Expert consulting services with retirement consultants providing personalized accompaniment, career verification, pension calculations, and optimization studies. Revenue from one-time professional service engagements with defined project pricing.
- B2B Enterprise Services: Enterprise solutions for HR departments including platform access subscriptions, training, webinars, and bulk consulting services. Revenue from annual enterprise subscriptions and project-based engagements with companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Bilan Retraite Essentiel - Digital + 1 hour expert session |
| One time/ perpetual license | Pay-as-you-go | Bilan Retraite Confort - Expert-led assessment with 2 sessions |
| Subscription | Multi-year contract | Bilan Retraite Premium - Unlimited sessions with dedicated expert |
| One time/ perpetual license | Pay-as-you-go | Bilan Retraite Sur-mesure - Custom career situation |
| One time/ perpetual license | Pay-as-you-go | Aide au départ Essentielle - Administrative support for retirement |
| Subscription | Multi-year contract | Aide au départ Personnalisée - Full service retirement assistance |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
SAPIENDO product offering
Product offeringCore offering
SAPIENDO operates a hybrid retirement advisory business combining its proprietary digital platform "Leïa" with expert human consulting. The company sells retirement assessment packages (Bilan retraite), administrative departure assistance (Aide au départ), and on-demand expert consultations covering 22 French pension schemes. It also licenses its platform to enterprises, HR departments, banks, insurers, and wealth advisors.
Product overview
Sapiendo is a retirement advisory firm offering a dual-service model: Sapiendo Digital (web-based platform) and Sapiendo Expertise (human consulting). The core product is the Leïa platform, which provides retirement assessments across four tiers: Bilan retraite digital (€690), Confort (€1,890), Premium (custom pricing), and sur-mesure. Complementary services include departure assistance (Essentielle from €990 and personalized), expert consultations, and specialized simulators. Enterprise offerings center on the Leïa tout-en-un solution, while Sapiendo Academy provides professional training. The platform covers 22 retirement regimes representing 95% of insured situations.
Differentiator
Problem solved
Functional benefit
Products and services
- Leïa Platform Proprietary web-based digital platform providing career verification, pension calculations, optimization studies, and retirement departure assistance for individuals, professionals, and enterprises. Includes secure digital vault and automated document reading.
- Bilan Retraite Essentielle Entry-level digital retirement assessment combining self-service digital tools with one 1-hour expert consultation session to finalize the assessment. Priced at €690 TTC.
- Bilan Retraite Confort Mid-tier retirement assessment performed by an expert consultant, including two study and advice sessions. Priced at €1,890 TTC.
- Bilan Retraite Premium Premium retirement assessment with a dedicated expert handling all aspects, unlimited consultation sessions, multiple departure scenarios, and advanced optimization analyses. Quote-based pricing.
- Bilan Retraite Sur-mesure Customized retirement assessment designed for complex careers, atypical situations, or specific projects requiring tailored analysis. Quote-based pricing.
- Aide au Départ Essentielle Essential retirement departure assistance where an expert guides clients through administrative procedures, determines the optimal departure date, prepares the dossier, and provides a 1-hour hotline. From €990 TTC.
- Aide au Départ Personnalisée Full-service retirement departure assistance where Sapiendo manages the entire administrative liquidation process on behalf of the client. Quote-based pricing on multi-year contracts.
- Entretiens Conseil Retraite On-demand expert retirement advisory consultations delivering personalized guidance on retirement planning strategies for individuals and professionals.
- Leïa Solution Tout-en-Un (Enterprise) All-in-one enterprise retirement solution offering simulators, retirement savings and tax optimization calculators, expert human support, training, and awareness webinars for HR departments and companies.
- Sapiendo Academy Professional training division offering retirement expertise training and certification programs for advisors, HR professionals, and wealth managers seeking specialization in retirement planning.
Quantifiable outcome
- 1 in 7 newly attributed pensions contains at least one financial error
- +1 more outcomes
Companies that use SAPIENDO
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
SAPIENDO technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature5 records
SAPIENDO partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
SAPIENDO competitors and assessment
Company assessmentEmerging players
- Cashbee: Cashbee is a French fintech offering savings optimization and life insurance product comparison, with growing retirement-adjacent content. It is comparable as a digital French financial advisory platform with overlapping target customers.
- Patrimoine Consultant: Patrimoine Consultant is a French wealth advisory network offering retirement planning and PER advisory to individual clients. It is comparable in business model (advisory-led retirement services) though delivered through a traditional human-advisor network rather than a proprietary platform.
Direct peers
- Nalo: Nalo is a French robo-advisor offering personalized life-cycle investment portfolios including retirement savings via PER plans. It is directly comparable to Sapiendo as a digital-first French financial advisory platform targeting individuals with retirement and wealth goals.
- LinXea: LinXea is a French online broker specializing in life insurance and retirement savings products (PER, assurance-vie). It competes with Sapiendo for French consumers seeking retirement-oriented financial products and advice.
- Yomoni: Yomoni is a French robo-advisor and wealth management platform offering life-cycle portfolios with retirement-oriented products (PER, assurance-vie). It competes with Sapiendo in the digital financial advisory category for French consumers.
- Mon Petit Placement: Mon Petit Placement is a French digital wealth advisory platform offering personalized portfolios for retail investors including retirement savings vehicles. It overlaps with Sapiendo's digital advisory proposition and target segment.
- Meilleurtaux Placement: Meilleurtaux Placement is the wealth and savings division of the Meilleurtaux group, offering life insurance, PER, and retirement savings advisory through both digital and human advisor channels. It mirrors Sapiendo's hybrid advisory model.
- Magnolia (Cajoo/Financière Magellan): Magnolia Patrimoine is a French digital wealth advisory and life insurance broker focused on retirement planning and PER distribution. Comparable to Sapiendo as a digital wealth platform with retirement specialization.
Broad incumbents
- AGIRC-ARRCO: AGIRC-ARRCO is the mandatory French complementary pension scheme covering all private-sector employees. It is a relevant incumbent comparator because it provides direct retirement information services to scheme members and could expand its advisory capabilities, impacting Sapiendo's core market.
- Boursorama Banque: Boursorama is a major French online bank offering life insurance, PER, and retirement savings products directly to consumers at scale. It represents the incumbent distribution channel that could in-source or squeeze specialized advisory players like Sapiendo.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
SAPIENDO social profiles
Digital presenceSAPIENDO financial estimates
Financial estimateRevenue estimate
Valuation estimate
SAPIENDO leadership team
Management profileNumber of profiles
Profiles1 record
SAPIENDO funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SAPIENDO M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SAPIENDO
What does SAPIENDO do?
SAPIENDO operates a hybrid retirement advisory business combining its proprietary digital platform "Leïa" with expert human consulting. The company sells retirement assessment packages (Bilan retraite), administrative departure assistance (Aide au départ), and on-demand expert consultations covering 22 French pension schemes. It also licenses its platform to enterprises, HR departments, banks, insurers, and wealth advisors.
Is SAPIENDO a public or private company?
SAPIENDO is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SAPIENDO founded?
SAPIENDO was founded in 2015. It employs 11 to 50 people.
Where is SAPIENDO based?
SAPIENDO is headquartered in Paris, France, in the Europe region.
How does SAPIENDO make money?
Three revenue lines are on record. Sapiendo Digital is the primary driver. The others are sapiendo Expertise and B2B Enterprise Services.
Who are SAPIENDO's main competitors?
Emerging players on record are Cashbee and Patrimoine Consultant. Direct peers are Nalo, LinXea, Yomoni, Mon Petit Placement, Meilleurtaux Placement and Magnolia (Cajoo/Financière Magellan). Broad incumbents are AGIRC-ARRCO and Boursorama Banque.
Does SAPIENDO have an API?
No public API is recorded for SAPIENDO.
What industry is SAPIENDO in?
SAPIENDO's product category is Retirement Advisory Services. Its primary akta.pro industry code is FSAEABAF, Retirement Plan Participant Advice & Managed Accounts, with a secondary code of FSAEABAK, Digital/Hybrid Robo-Wealth & Retirement Advisory. Its NAICS code is 54161 and its SIC code is 8742.