everyoneINVESTED
everyoneINVESTED is a Brussels-based B2B wealthtech and KBC Group spin-off that licenses behavioral finance and decision science technology, including a MiFID-compliant Profiler and conversion, rejuvenation, and retention engines, to European banks and wealth managers via API integration.
- Company typePrivate
- Founded2020
- HeadquartersBrussels, Belgium
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What everyoneINVESTED does
everyoneINVESTED is a Brussels-based B2B wealthtech that licenses behavioral finance and decision science technology to banks, wealth managers, and financial institutions across Europe. The company was established in 2020 as a spin-off of KBC Asset Management (itself part of KBC Group) and operates with stated strategic independence while wholly owned by that parent. Its core offering is a modular, API-delivered toolkit comprising four engines: a MiFID-compliant Profiler that uses decision science and behavioral finance to replace static risk profiling questionnaires with interactive, hyper-personalized profiling; a Conversion Engine designed to convert deposit-heavy savers into first-time investors via advisory-looking flows with execution-only feel; a Rejuvenation Engine that embeds investing into daily life through spare-change round-ups; and a Retention Engine that diagnoses portfolios and proposes personalized trades. The product is integrated into partner banking apps via APIs and has additional integrations with Mastercard (payment-triggered micro-investing) and Prometeia (a joint Self-Directed Advisory Platform combining behavioral profiling with quantitative portfolio advisory, MiFID II and ESG compliance).
The company sells primarily through direct enterprise field sales to banks and wealth managers, with a parallel channel-partner motion through Mastercard and Prometeia that extends distribution across Europe. Revenue is generated via B2B technology licensing to banks and financial institutions, supplemented by professional services for implementation, customization, and ongoing support, with 'No Cure No Pay' multi-year contracts offered in some cases. Named enterprise deployments include KBC Bank Ireland, KBC Group (parent), KBC Asset Management, CBC and ČSOB (Czech Republic) within the KBC family, plus external partners Eurobank (Greece), Mastercard, and Prometeia (channel partner). The company has been recognized on the WealthTech100 list for six consecutive years (through April 2026) and holds ISO 27001 and ISAE 3402 certifications; it is led by Managing Director Jurgen Vandenbroucke, who holds a PhD in behavioral finance and is a research associate at the EDHEC Risk Institute.
everyoneINVESTED firmographics
Firmographics- Name
- everyoneINVESTED
- Legal name
- everyoneINVESTED BV
- Website
- https://everyoneinvested.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- everyoneINVESTED is a Brussels-based B2B wealthtech and KBC Group spin-off that licenses behavioral finance and decision science technology, including a MiFID-compliant Profiler and conversion, rejuvenation, and retention engines, to European banks and wealth managers via API integration.
- Ownership category
- akta.pro rank
everyoneINVESTED industry classification
Industry- Product category
- WealthTech Software
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Personal Financial Management & Budgeting (PFM) (FSAGAAAH)
- akta.pro secondary industries
- Budgeting & Cash-Flow Management (FSAGADAA), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where everyoneINVESTED is headquartered
LocationHeadquarters
- HQ city
- Brussels
- HQ country
- Belgium
- HQ region
- Europe
Offices1 record
Markets served
everyoneINVESTED business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- B2B Technology Licensing: Licenses behavioral finance technology and API toolkit to banks and financial institutions. Solutions are deployed as modular components within partner banking apps.
- Professional Services: Implementation and consulting services to integrate solutions into partner systems. Includes customization and ongoing support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Multi-year contract | No Cure, No Pay arrangement available |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels10 records
everyoneINVESTED product offering
Product offeringCore offering
everyoneINVESTED licenses a modular behavioral finance technology suite and API toolkit to banks and wealth managers, integrating into their mobile banking apps to convert savers into investors. The offering centers on four engines: Profiler for MiFID-compliant risk profiling, Conversion Engine to nudge savers into investors, Rejuvenation Engine for spare-change micro-investing, and Retention Engine for personalized portfolio diagnostics. Customers include KBC Group entities, Eurobank, and European wealth managers, with deployments via direct sales and strategic partners such as Prometeia and Mastercard.
Product overview
everyoneINVESTED is a behavioral technology company that provides a modular suite of four integrated engines (Profiler, Conversion Engine, Rejuvenation Engine, Retention Engine) designed to integrate into banking apps to turn clients into investors. The platform uses behavioral finance insights to personalize the entire investor lifecycle: from risk profiling (Profiler) and first-time investor conversion (Conversion Engine), through youth engagement via spare-change investing (Rejuvenation Engine), to ongoing portfolio management and retention (Retention Engine). The company also offers an API toolkit for partner integration and collaborates with Prometeia on a joint Self-Directed Advisory Platform combining behavioral profiling with quantitative advisory capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Profiler Behavioral finance risk profiling tool that updates MiFID risk profiling with hyperpersonalization and ESG preferences, designed for banks and wealth managers to digitize investor profiling.
- Conversion Engine Digital conversion tool for banks and wealth managers that sets up advisory investment flows with an execution-only feel to convert die-hard savers into investors, using smart triggering that acknowledges fear of losses.
- Rejuvenation Engine Youth engagement tool that embeds investing into daily life by letting clients invest spare change from everyday payments into investment plans, designed for banks targeting younger demographics.
- Retention Engine Portfolio retention tool for banks and wealth managers that diagnoses portfolios, proposes personalized trades, and prioritizes commercial campaigns based on concrete issues to keep investors in their comfort zone.
- Self-Directed Advisory Platform (with Prometeia) Joint platform combining everyoneINVESTED's behavioral finance investor profiling with Prometeia's advisory engine for personalized investment proposals, automatic portfolio monitoring, and MiFID II/ESG regulatory compliance, deployable by banks and wealth managers across Europe.
- API Toolkit for Digital Conversion Engine API toolkit that converts mobile banking apps into digital conversion engines, taking pseudonymized client financial data as input and outputting investor profiles and first-investment amounts in an end-to-end journey that qualifies as advisory while feeling execution-only.
Quantifiable outcome
- 80% digital profiling conversion rate achieved through behavioral design
- +6 more outcomes
Companies that use everyoneINVESTED
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles1 record
everyoneINVESTED technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability5 records
Feature7 records
everyoneINVESTED partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- EurobankcoreEurobank partnered with everyoneINVESTED to introduce EverydayInvest service allowing customers to automatically invest through daily debit card purchases. Service rounds up transactions to nearest euro and invests difference when it reaches €10. Partnership brings micro-investing capabilities to Eurobank customers in Greece.
- PrometeiacoreStrategic collaboration to launch a joint Self-Directed Advisory Platform combining Prometeia's 50+ years of experience in quantitative advisory and portfolio monitoring with everyoneINVESTED's behavioral finance profiling tools. Platform delivers modular, end-to-end investment experience integrating investor profiling and Prometeia's advisory engine for banks and wealth managers across Europe. Partnership addresses demand for flexible, modular solutions delivering compliant advice while meeting clients digitally.
- MastercardcoreMastercard and everyoneINVESTED partnership enables micro-investing functionality. Partnership makes everyday investing accessible by embedding investment capabilities into payment infrastructure. Allows banks to offer spare change investing through debit card transactions.
- KBC Asset ManagementcoreeveryoneINVESTED is the wealthtech spin-off of KBC Group and former innovation team of KBC Asset Management. Wholly owned by KBC Asset Management. Executes mission in all independence while benefiting from KBC's established position in savings and investments.
- KBC GroupcoreeveryoneINVESTED is a KBC Group company specialized in decision science research and technology. The company's expertise and solutions contributed to KBC Group's dominant position in savings and investments.
- KBC Bank IrelandcoreFirst within KBC GROUP and Europe to embrace new behavioral methodology for profiling. KBC Bank Ireland integrated everyoneINVESTED's Profiler into its omnichannel advisory processes, replacing and improving the traditional risk profiling questionnaire.
- DeloitteminorJoint webinar with Deloitte on empowering retail investors. Collaboration on industry insights and thought leadership regarding digital transformation in wealth management.
- Mash PatelminorStrategic Council member since June 2022. Founder and former CEO of Kurtosys (+200 FTE global provider of digital and reporting solutions to investment management industry). Provides advisory and board roles in fintech startups.
- Prof. Andreas HackethalminorStrategic Council member since June 2022. Full professor of finance at Goethe University, director of research entities on personal finance with focus on behavioral finance and role of financial advisor. Member of expert boards at BaFin and German Federal Ministry of Finance.
Scale indicators10 records
Recent moves8 records
Expansion highlights6 records
everyoneINVESTED competitors and assessment
Company assessmentDirect peers
- Avaloq: Wealth management technology platform serving banks and wealth managers with digital advisory, portfolio management, and regulatory-compliant solutions across Europe and Asia.
- FNZ: Global B2B wealthtech platform providing investment, advice, and administration infrastructure to banks and wealth managers, directly competing for the same enterprise client base as everyoneINVESTED.
- Backbase: Digital banking platform provider enabling banks to deliver personalized digital journeys (including investment and PFM) through their apps, competing for the same digital transformation budgets.
- Addepar: Wealth management technology platform providing data aggregation, portfolio analytics, and reporting for investment advisors and financial institutions, competing in the institutional wealthtech segment.
Others
- Prometeia: Italian fintech offering risk advisory, portfolio monitoring, and wealth management technology; strategic co-development partner of everyoneINVESTED in the joint Self-Directed Advisory Platform.
Emerging players
- Moneyfarm: European digital wealth manager providing technology-driven investment advisory and portfolio management with a strong focus on personalization and digital UX.
- Wealthsimple: Digital wealth management platform offering investing, savings, and financial planning with behavioral design elements aimed at converting and retaining retail investors.
Broad incumbents
- Empower (Personal Capital): Large-scale personal financial planning and wealth management platform combining PFM, retirement, and investment tools for retail and high-net-worth customers.
- Tink: Open banking platform providing PSD2-enabled data aggregation, PFM, and risk analytics that banks and fintechs use to power digital financial journeys across Europe.
Regional players
- Comarch: European software provider offering wealth management, investment, and capital markets technology solutions to banks and financial institutions, primarily serving CEE and Western European clients.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
everyoneINVESTED social profiles
Digital presenceeveryoneINVESTED financial estimates
Financial estimateRevenue estimate
Valuation estimate
everyoneINVESTED leadership team
Management profileNumber of profiles
Profiles3 records
everyoneINVESTED funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
everyoneINVESTED 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 everyoneINVESTED
What does everyoneINVESTED do?
everyoneINVESTED licenses a modular behavioral finance technology suite and API toolkit to banks and wealth managers, integrating into their mobile banking apps to convert savers into investors. The offering centers on four engines: Profiler for MiFID-compliant risk profiling, Conversion Engine to nudge savers into investors, Rejuvenation Engine for spare-change micro-investing, and Retention Engine for personalized portfolio diagnostics. Customers include KBC Group entities, Eurobank, and European wealth managers, with deployments via direct sales and strategic partners such as Prometeia and Mastercard.
Is everyoneINVESTED a public or private company?
everyoneINVESTED is a private company. It is classified as corporate owned and is currently operating.
When was everyoneINVESTED founded?
everyoneINVESTED was founded in 2020. It employs 11 to 50 people.
Where is everyoneINVESTED based?
everyoneINVESTED is headquartered in Brussels, Belgium, in the Europe region.
How does everyoneINVESTED make money?
Two revenue lines are on record. B2B Technology Licensing is the primary driver. The others are professional Services.
Who are everyoneINVESTED's main competitors?
Direct peers on record are Avaloq, FNZ, Backbase and Addepar. Prometeia is listed as an others. Emerging players are Moneyfarm and Wealthsimple. Broad incumbents are Empower (Personal Capital) and Tink. Comarch is listed as a regional player.
Does everyoneINVESTED have an API?
Yes. everyoneINVESTED offers an API toolkit that converts mobile banking apps into digital conversion engines. The API takes as input pseudonymized client-specific financial data and outputs an investor profile and the amount for the user's first investment, ready for execution. It provides an end-to-end journey that qualifies as advisory while maintaining the nimble feel of an execution-only process.
What industry is everyoneINVESTED in?
everyoneINVESTED's product category is WealthTech Software. Its primary akta.pro industry code is FSAGAAAH, Personal Financial Management & Budgeting (PFM), with a secondary code of FSAGADAA, Budgeting & Cash-Flow Management. Its NAICS code is 523940 and its SIC code is 6282.