Action Logement

What Action Logement does

Action Logement is a French private entity of public utility (Reconnu d'Utilité Sociale) that operates the national PEEC housing solidarity scheme on behalf of the French state and social partners. The organization collects a mandatory employer contribution of 0.45% of payroll from private-sector companies with 10 or more employees and agricultural companies with 50 or more employees, and redistributes these resources through housing guarantees, zero-interest loans, monthly subsidies, and direct social housing financing. It serves as the central intermediary between private-sector employers, their employees, landlords, social housing providers, and local governments, addressing housing affordability, recruitment mobility, and urban revitalization across metropolitan France and overseas territories (DROM).

Its core product suite is organized around four functional pillars: (1) rental support, including the Visale guarantee covering up to 36 months of unpaid rent (349,718 guarantees granted in 2025), the Avance LOCA-PASS zero-interest deposit advance of up to €1,200, and the Aide Mobili-Jeune monthly rent subsidy of up to €100 for young alternates; (2) homeownership financing, including the Prêt Accession at 1% fixed up to €30,000, renovation loans at 1.5% fixed, and affordable homeownership schemes (PSLA, BRS); (3) investments such as Action Cœur de Ville (244 cities) and Louer pour l'Emploi for landlords; and (4) social and intermediate housing allocations through the AL'in platform and specialized subsidiaries (ONV for social housing resale, FTI for office-to-housing conversion, ENEAL for senior housing, DIGNEO for unsanitary housing remediation). Distribution is hybrid across 118 agencies, 13 regional delegations, and dedicated digital platforms (Visale.fr, Loca-Pass, Mobili-Jeune, AL'in, Logement). 821,094 aids and services were delivered in 2025, with €1.8 billion committed to social housing providers.

The business model is structurally statutory: services are provided free of charge to employees and landlords, and all funding flows from the PEEC employer contribution. The organization is structured as three principal entities (Action Logement Groupe for strategy, Action Logement Immobilier for real estate holdings, Action Logement Services for operations and PEEC collection) and is led by president Bruno Arcadipane and vice-president Bruno Lindowna at the Groupe level. The 2017 reform that consolidated the prior CILs into Action Logement remains the operative governance frame, with no external parent or equity capital and no public listing.

Name

Action Logement

Legal name

Action Logement Services

Website

https://actionlogement.fr

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Action Logement is a French public-interest organization that collects mandatory employer contributions (PEEC) to provide housing guarantees, loans, and subsidies to millions of private-sector employees across France.

Ownership category

akta.pro rank

Product category

Workforce housing assistance and social housing financing

NAICS

Administration of Housing Programs (925110), Other Services to Buildings and Dwellings (56179), Insurance and Employee Benefit Funds (5251)

SIC

Services-To Dwellings & Other Buildings (7340), Real Estate Operators (No Developers) & Lessors (6510), Services-Social Services (8300)

akta.pro primary industry

Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)

akta.pro secondary industries

Housing Voucher & Rental Assistance Programs (Tenant-Based/Project-Based) (FSALAKAI), Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE)

Keywords

• Housing assistance services
• Rental guarantee programs
• Social housing financing
• Employee housing benefits
• PEEC employer contributions

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. PEEC Collection (Participation des Employeurs à l'Effort de Construction): Action Logement collects the PEEC, a mandatory employer contribution set at 0.45% of the previous year's payroll, from private-sector companies with 10 or more employees and agricultural companies with 50 or more employees. This collection is the primary funding mechanism for all of Action Logement's housing aid programs and services. The PEEC rate was reduced from 1% to 0.45% starting in 1992.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels7 records

Core offering

Action Logement collects the mandatory PEEC employer contribution (0.45% of payroll) from private-sector companies and redistributes these funds as free or subsidized housing services for private-sector employees in France. Its core deliverables include the Visale rental guarantee (free, up to 36 months of unpaid rent), deposit-free advance loans (Avance LOCA-PASS up to €1,200 at 0% interest), youth housing subsidies (Aide Mobili-Jeune up to €100/month), home purchase and renovation loans at preferential fixed rates (1% and 1.5%), allocations of affordable and social housing, and major financing commitments to social and intermediate housing providers (€1.8 billion in 2025). It also operates nationwide through 118 agencies and 13 regional delegations.

Product overview

Action Logement operates as a unified platform combining multiple housing services for French private sector employees. The core offering centers on three main service categories: (1) Rental support including Garantie Visale guarantee, Avance LOCA-PASS® deposit loans, and Aide Mobili-Jeune® rent subsidies; (2) Housing options spanning affordable, social (AL'in), and temporary furnished accommodations; and (3) Property financing through Prêt Accession loans, renovation loans (improvement, energy performance, disability adaptation), and investment programs like Louer pour l'Emploi and Action Cœur de Ville. The ecosystem is supplemented by specialized subsidiaries ONV, FTI, ENEAL, and DIGNEO addressing social housing sales, office-to-housing conversion, elderly care facilities, and unsanitary housing remediation. All services are accessible through dedicated digital platforms and a network of 118 agencies across France.

Differentiator

Problem solved

Functional benefit

Brands

• Visale: Rental guarantee issued by Action Logement covering tenant default on rent and charges for up to 36 months, and covering up to 2 months rent for property damage.
• AVANCE LOCA-PASS
• AIDE MOBILI-JEUNE
• Prêt Accession
• Louer pour l'Emploi
• Action Cœur de Ville
• AL'in

Products and services

• Garantie Visale A free rental guarantee in which Action Logement acts as guarantor for tenants in the private rental market, covering unpaid rent and charges for up to 36 months (9 months in social housing), available to employees of private-sector companies with 10+ employees.
• Avance LOCA-PASS A zero-interest loan of up to €1,200 to finance the security deposit required at lease signing, repayable over 25 months, available to employees of private-sector companies with 10+ employees.
• Aide Mobili-Jeune Monthly housing allowance of €10 to €100 for alternates under 30 years old (apprenticeship or professionalization contracts) in the private sector, capped at €1,100 per training year over 11 months, available for up to two training years.
• Logement Abordable Affordable rental housing with below-market rents for private-sector employees, accessed through the dedicated housing platform.
• Logement Social AL'in Social housing with regulated rents for employees of private companies with 10+ employees, accessible via the AL'in platform with unique registration numbers.
• Logement Temporaire Furnished temporary housing (studios, T1; 15–30 m²) for employees in professional mobility, seasonal workers, and young people entering professional life.
• Prêt Accession Property purchase loan of up to €30,000 at a fixed rate of 1% per annum for first-time homebuyers or those who have not owned property in the past 10 years, repayable over a maximum of 25 years.
• Conseil en Financement et Accession Free personalized advisory service helping employees with real estate projects including first purchase, construction, and financing solutions.
• L'Accession Abordable à la Propriété Affordable homeownership programs including PSLA rental-purchase, HLM sales, Solidary Real Lease (BRS), and controlled-price access for employees of private-sector companies.
• Prêt Travaux Amélioration Home improvement loan of up to €10,000 at a 1.5% fixed rate over a maximum of 10 years for renovation work including decoration and compliance, for employees who own and occupy the property as primary residence.
• Prêt Travaux Performance Énergétique Energy performance improvement loan of up to €10,000 at a 1.5% fixed rate for insulation and heating system upgrades.
• Prêt Adaptation du Logement au Handicap Disability adaptation loan at 1.5% rate for accessibility modifications including ramps, widened doors, and bathroom changes.
• Action Cœur de Ville National urban renewal program covering 244 medium-sized cities through acquisition-improvement operations, demolition-reconstruction, new construction, and heavy restructuring in partnership with the French state.
• Louer pour l'Emploi Complete landlord program offering work grants up to €1,000, renovation loans up to €15,000 at 1.5% fixed rate, the free Visale guarantee covering up to 36 months of unpaid rent, and free candidate matching. Available in four formula options: Essentielle, Amélioration, Pro Essentielle, and Pro Amélioration.
• ONV - Opérateur National de Vente Wholly-owned national sales operator purchasing social housing units in bulk for resale to sitting tenants, promoting residential mobility and social mix.
• ENEAL Wholly-owned property company developing and rehabilitating senior and elderly-care housing facilities, financing innovative projects in partnership with managers in the territories.

Quantifiable outcome

• 821,094 total aids and services delivered to employees in 2025
• +5 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• EDF (Électricité de France)coreStrategic or Co-development Partner · 1 July 2026Action Logement Services and EDF renewed their partnership in July 2026 to jointly combat energy poverty and help employees in difficulty remain in their homes. The partnership focuses on supporting employees facing energy-related hardship, addressing a critical intersection of housing affordability and energy costs.
• AL'MA Action LogementcoreTechnology or Integration · 19 May 2026AL'MA Action Logement (a subsidiary or specialized entity of Action Logement) is a primary partner in the DaviDD369 AI model development agreement, working alongside Singularity Venture Hub and I AM HOME 1.618.
• Century 21 FrancecoreGTM or Marketing Partner · 1 May 2026Action Logement has been a partner of the Century 21 real estate network since 2006. The partnership was renewed at the 36th National Convention, providing a platform for Action Logement to reach real estate professionals and promote products like Louer pour l'Emploi to property investors within the Century 21 network.
• ANEFA (Association Nationale pour l'Emploi et la Formation en Agriculture)coreStrategic or Co-development Partner · 1 March 2026Action Logement and ANEFA co-launched the national roadmap for employment in agriculture alongside France Travail and the Minister of Labour. Action Logement contributes housing solutions for agricultural workers, including the AGRI-MOBILI-JEUNE and AGRI-LOCA-PASS products, supporting seasonal and permanent farm workers.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• CDC Habitat: France's largest social and intermediate housing operator, wholly owned by Caisse des Dépôts. Directly comparable to Action Logement's social housing allocation and financing activities, with overlapping target tenants and similar public-interest mandate.
• Vilogia: Major French social housing operator managing over 80,000 homes across northern France. Comparable to Action Logement's social housing provider financing activities and target tenant base, competing for affordable housing tenants and landlords.
• Erilia: French social housing operator managing over 80,000 homes across southern and eastern France. Comparable to Action Logement's social housing allocation activities and beneficiary base, competing for affordable housing tenants and landlord partnerships.
• Groupe Arcade-VYV: Major French cooperative housing and mutual insurance group combining social housing, healthcare, and retirement services. Comparable to Action Logement's diversified housing and welfare services, particularly through ENEAL and DIGNEO subsidiaries.
• Immobilière 3F (Groupe Action Logement): One of France's largest social housing operators, part of the broader Action Logement ecosystem historically. Directly comparable for affordable housing allocation and management activities targeting the same private-sector employee population.
• ICF Habitat (SNCF Group): Social housing operator owned by SNCF Group, providing affordable rental housing primarily to railway workers and other employees. Comparable to Action Logement's employee-focused housing model, though tied to a specific industrial sector.
• Crédit Foncier de France: Historical French specialist mortgage lender (now part of BPCE group). Closely comparable to Action Logement's Prêt Accession and Prêt Travaux housing loan products, with similar fixed-rate below-market offerings to private-sector employees.

Broad incumbents

• BPI France: France's public investment bank providing financing and guarantees to enterprises. Comparable to Action Logement as a state-affiliated financial institution deploying public-interest capital, though focused on enterprise rather than individual employee housing support.
• La Banque Postale: French public bank providing mortgage lending, rental guarantees, and housing products. Comparable to Action Logement's Prêt Accession and Visale-like guarantee products, with overlapping target customer base among private-sector employees.
• Caisse des Dépôts et Consignations (CDC): France's public financial institution that funds and operates social housing through its subsidiary CDC Habitat. Highly comparable to Action Logement as a public-interest funding vehicle for affordable housing and urban policy, though operating at a broader scale and with a longer history.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/actionlogement
• YouTubeyoutube.com/channel/UC-eUUXSRQUZojykVQHo96NQ
• LinkedInlinkedin.com/company/action-logement/mycompany/verification

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries12 records

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 Action Logement