What Gedeon does

Gedeon is a French fintech operating as a 100% digital retirement savings platform, commercialized through the legal entity KaribU Gestion, SAS, headquartered at 66 quai Charles de Gaulle, Lyon. The company is registered with ORIAS as an insurance broker (Courtier d'Assurance ou de Réassurance, #24007514) and is regulated by the ACPR, with professional liability coverage provided by Zurich Insurance Europe AG. Gedeon's product suite is centered on the Plan d'Épargne Retraite (PER) — France's post-PACTE Law unified retirement savings wrapper — and includes PERO (mandatory company plans, succeeding Article 83), PERin (individual plans for self-employed/TNS professionals), and PERcol (collective employee plans), supplemented by a dedicated broker distribution platform.

The underlying technology is a web-based platform with mobile applications, hosted on Vercel, offering a 360° Retirement Vision Dashboard that aggregates public pension entitlements and multiple PER accounts, alongside three online simulators (PERO tax/social savings, replacement rate comparison, TNS tax optimization). Onboarding is fully digital, materially shortening traditional subscription timelines. The platform serves four distinct user segments: enterprises/HR professionals (PERO implementation), self-employed professionals (PERin), insurance brokers (courtier platform), and individual employees (PERcol aggregation and tracking). Customer engagement is driven by a content-heavy marketing strategy including a monthly newsletter, an in-house retirement glossary, expert Q&A content from CEO Julien Jacquemin, and active presence on LinkedIn and Instagram.

Gedeon monetizes as an insurance intermediary, earning commissions on insurance premiums written across its PER product range, with the broker platform enabling indirect distribution. The company is headquartered in Lyon with 11–50 employees, counts Schmidt Groupe among its named enterprise clients, and received a strategic equity investment from Malakoff Humanis in March 2024. The capital structure is a SAS with €10,000 of share capital, registered in Lyon under RCS 883 676 744, and the firm is associated with the La French Tech, Finance Innovation, and Platform58 ecosystems.

Name

Gedeon

Legal name

KaribU Gestion, SAS

Website

https://gedeon.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Gedeon is a French fintech offering 100% digital retirement savings plans (PERO, PERin, PERcol) for enterprises, self-employed professionals, employees, and insurance brokers. As an ORIAS-registered insurance broker (KaribU Gestion SAS), it earns commissions on PER premiums distributed through its digital platform.

Ownership category

akta.pro rank

Product category

Retirement Savings Plans

NAICS

Portfolio Management and Investment Advice (523940), Other Insurance Funds (525190)

SIC

Life Insurance (6311)

akta.pro primary industry

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF)

akta.pro secondary industries

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Retirement savings plans
• Pension insurance brokerage
• PER product distribution
• Employee benefits platform
• Digital pension management

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation Commission: Gedeon operates as an insurance broker (COA) earning commissions on insurance premiums. The company proposes a unique insurance offer and is remunerated through commissions on insurance premiums as stated in their legal mentions.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Gedeon distributes 100% digital retirement savings plans (PER) through its regulated insurance broker platform (KaribU Gestion SAS). The offering includes PERO (mandatory company plans), PERin (individual plans for self-employed professionals), and PERcol (collective employee plans), supported by online simulators, aggregation dashboards, mobile applications, and a dedicated broker distribution platform.

Product overview

Gedeon offers a suite of 100% digital retirement savings solutions centered around Plan d'Épargne Retraite (PER) products. The core portfolio includes PERO (mandatory company plan), PERin (individual plan for self-employed), and PERcol (collective employee plan), supported by a dedicated broker platform. The offering is complemented by calculator simulators (PERO savings, TNS tax savings, replacement rate), an HR/director dashboard, mobile applications, and educational content including a newsletter, glossary, and FAQ section. The company targets businesses, employees, self-employed professionals, and insurance brokers with a fully online experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan d'Épargne Retraite Obligatoire (PERO) A company-provided mandatory retirement savings plan (formerly Article 83) allowing employers to contribute to employees' supplementary pensions through compulsory employer contributions, with optional employee participation up to 50%. Target customers are companies and HR departments seeking employer-sponsored retirement benefits.
• Plan d'Épargne Retraite Individuel (PERin) Individual retirement savings plan for self-employed professionals (TNS - Travailleurs Non Salariés) enabling voluntary contributions with potential tax deductions. Target customers are French self-employed workers and freelancers.
• Plan d'Épargne Retraite Collectif (PERcol) Collective retirement savings plan covering all company employees, funded through profit-sharing, employee savings, and employer contributions. Target customers are companies and HR departments seeking employee-wide retirement solutions.
• Plateforme PER Courtiers Digital platform enabling insurance brokers and intermediaries (courtiers) to distribute and manage Gedeon's retirement savings products for their business clients. Target customers are insurance brokers and financial advisors in France.
• Application mobile Gedeon Mobile applications linked to the Gedeon platform providing employees access to retirement dashboard, savings management, and information on their mobile devices.

Quantifiable outcome

• Over 6.2 million PER savers in France (market-wide, exceeding government targets)

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• La French TechminorGTM or Marketing PartnerGedeon is supported by La French Tech ecosystem, as indicated by the La French Tech logo displayed on their website partners section.
• Finance InnovationminorGTM or Marketing PartnerGedeon is associated with the Finance Innovation cluster, a French financial innovation ecosystem, as shown in their partner logos section.
• Platform58minorGTM or Marketing PartnerGedeon is supported by Platform58, a business incubator/accelerator platform, evidenced by their logo on the website.
• Zurich Insurance Europe AGcoreOthersProfessional liability insurance provider for Gedeon's regulated insurance broker activities, covering their operations as required by ACPR regulation.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Epsor: French fintech specializing in employee savings (épargne salariale) and retirement (PER) plans for companies. Closely comparable to Gedeon's enterprise HR segment and PERO/PERcol offering, also distributing via a B2B digital model.
• Ramify: French fintech providing digital wealth management including private equity, savings, and retirement (PER) products to retail and enterprise clients. Comparable to Gedeon in targeting French PER with a fully digital UX and enterprise/B2B offerings.
• Nalo: French digital wealth manager offering personalized investment portfolios including retirement-oriented savings solutions (PER, assurance-vie). Closely comparable to Gedeon as a 100% digital French retail retirement and wealth platform serving both individuals and enterprises.
• Yomoni: French robo-advisor and online wealth manager distributing PER and assurance-vie contracts via a digital subscription flow. Directly comparable to Gedeon on digital-first distribution of French retirement products to retail and enterprise customers.
• Fundshop: French online life insurance and PER distributor offering digital subscription to retirement and savings products. Comparable to Gedeon as a 100% digital French broker for PER and assurance-vie.

Broad incumbents

• BforBank: Online private bank (Crédit Agricole group) offering life insurance and PER products to French retail clients. Comparable to Gedeon as a digital wealth/savings distributor, though with an incumbent banking parent and broader product suite.
• Boursorama Banque: France's largest online bank (Société Générale subsidiary) offering assurance-vie and PER products digitally. Comparable to Gedeon as a digital-first distribution channel for French retirement products, though operating at massive incumbent scale.
• Meilleurtaux Placement: Established French online brokerage and life insurance/PER distributor with broad wealth management offerings. Comparable to Gedeon as a digital distribution channel for PER and life insurance products in France, though operating at significantly larger scale.

Emerging players

• Harvest: French fintech providing software tools for financial advisors and wealth managers, including retirement planning and PER management software. Comparable as a fintech enabler for the French retirement advisory ecosystem that Gedeon also serves via its PER Courtiers platform.
• Linxo: French personal financial management (PFM) and account aggregation platform used by banks and individuals. Comparable to Gedeon's aggregation features (360° retirement vision) and French retail banking/fintech user base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mygedeon
• Instagraminstagram.com/gedeon.retraite

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Gedeon