Eres

What Eres does

Eres Group is an independent French specialist in employee savings (épargne salariale), retirement planning, and employee share ownership, founded in 2005 and headquartered in France. The company operates an open-architecture platform combining a wholly-owned asset management subsidiary (Eres Gestion, managing 60+ FCPE funds and 18 discretionary profiles) with integrations to 30+ third-party asset managers, plus insurance wrappers from Swiss Life and Spirica. Its product catalogue covers the full French profit-sharing and savings stack — PEE, PER d'Entreprise, PER Obligatoire, Article 39, Participation, Intéressement, Prime de Partage de la Valeur, Abondement, and employee share ownership — alongside individual vehicles such as PER Individuel, Assurance Vie Eres La Vie, CTO-PEA, Luxembourg life insurance, real estate (Eres Prime Immo with Primaliance), structured products, and private equity. As of 31/12/2025 the platform administers 8+ billion euros across 31,000 corporate clients, 400,000 beneficiaries, and 70,000+ contracts.

The commercial model is a B2B2C intermediated channel: Eres distributes through roughly 7,000 partners — wealth management advisors, accounting experts, and insurance brokers — who are supported by regional field teams, a 100%-digital partner extranet for subscription, simulation, agreement generation, and campaign management, and the Académie Eres training program (200+ sessions per year). Revenue is generated primarily through recurring management fees on AUM in employee savings plans and individual wrappers, with the employer covering account maintenance fees and fees generally described as below insurance-life benchmarks. The company complements organic growth with targeted M&A, notably the April 2024 acquisition of online retirement platform Retraite.com, and has no disclosed external PE/VC backing — ownership appears to be founder/management-controlled. Eres competes in a regulated French market alongside banks, insurers, and specialist épargne salariale players, with scale, breadth of fund range, and partner coverage as its primary differentiators.

Eres remains a domestic France-only operator with no disclosed international offices, serving a structurally fragmented base of 31,000 corporate clients and 400,000 individual beneficiaries through its partner-mediated distribution model.

Name

Eres

Legal name

ERES GROUP

Website

https://eres-group.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Eres Group is an independent French employee savings, retirement, and employee share ownership specialist founded in 2005, administering 8+ billion euros across 31,000 corporate clients and 400,000 beneficiaries via a 7,000-partner distribution network and its integrated Eres Gestion asset management arm.

Ownership category

akta.pro rank

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

Revenue model

1. Assets Under Management (AUM) Fees: Eres earns management fees on the 8+ billion euros of assets under administration. These fees are charged on the funds (FCPEs) held within employee savings plans (PEE, PER) and individual savings products (PER Individuel, Assurance Vie). Management fees on employee savings plans are on average lower than insurance-life contracts and may be partially or fully covered by the employer.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Eres is an independent French provider of employee savings plans (PEE, PER d'Entreprise, PER Obligatoire, Article 39), profit-sharing mechanisms (participation, intéressement, PPV, abondement), employee share ownership, and individual savings products (PER Individuel, Assurance Vie, CTO-PEA, capitalization contracts). The company operates an open-architecture investment platform combining its integrated asset management subsidiary (Eres Gestion) with 30+ partner asset managers, distributing products through a network of 7,000 wealth management advisors, accounting experts, and insurance brokers across France.

Product overview

Eres is an independent provider of employee savings (épargne salariale), retirement solutions, and employee share ownership products operating as a platform with multiple product lines. The core offering comprises collective savings products — PEE (Plan d'Épargne Entreprise), PER d'Entreprise, PER Obligatoire, Article 39, Participation, Intéressement, Prime de Partage de la Valeur, Abondement, and Actionnariat Salarié — alongside an individual savings line including PER Individuel, Assurance Vie Eres La Vie, CTO-PEA, Contrat de Capitalisation, and Assurance Vie Luxembourgeoise. Investment support products include Épargne Immobilière, Produits Structurés, and Private Equity. The platform is underpinned by Eres Gestion, the group's integrated asset management arm managing over 60 FCPE funds in open architecture. Eres also offers supplementary services including Eres Prime Immo (SCPI platform), the Académie Eres training academy (200+ annual sessions), digital simulators, and a partner extranet with 100% digital tools for subscription, campaign management, and transfer processing. The company partners with insurers Swiss Life and Spirica for PER and life insurance products, and has acquired Retraite.com to expand its digital presence.

Differentiator

Problem solved

Functional benefit

Brands

• Eres Gestion: The group's integrated asset management company offering premium diversified fund management services
• Eres Sélection
• Eres Conviction
• Eres Sélection Libre
• Eres Prime Immo
• Académie Eres

Products and services

• PEE (Plan d'Épargne Entreprise) Medium-term employee savings plan enabling employees to invest profit-sharing bonuses, performance bonuses, and voluntary contributions in a tax-advantaged envelope. Sold to companies for deployment to their employees.
• PER d'Entreprise (Plan d'Épargne Retraite d'Entreprise) Collective company retirement savings plan allowing employees to build long-term savings locked until retirement, offering capital and/or annuity options at maturity. Sold to companies.
• PER Obligatoire Mandatory employee retirement savings plan designed to strengthen retirement savings for employees with defined-contribution obligations. Sold to companies.
• Article 39 Defined-benefit corporate retirement savings contract for employers providing supplemental retirement benefits to selected employee categories.
• Participation (Profit-Sharing) Mandatory profit-sharing mechanism redistributing a portion of company profits to employees, governed by legal or custom formulas, with tax and social advantages. Sold to companies.
• Intéressement (Performance Bonuses) Voluntary performance-based bonus scheme tying employee payouts to predefined measurable objectives, offering flexible criteria and fiscal advantages. Sold to companies.
• Prime de Partage de la Valeur (PPV) Exceptional purchasing-power bonus with flexible implementation, providing social and tax exemptions for employees in small businesses and low-to-mid salary ranges.
• Abondement (Employer Matching)

Quantifiable outcome

• 8+ billion euros in assets under administration (encours sous gestion), exceeding the 8 billion euro threshold as of 31/12/2025.
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Retraite.comcoreStrategic or Co-development Partner · 1 April 2024Eres acquired Retraite.com, a French online retirement information platform, to strengthen its digital presence in France and better serve Spanish and business clients by providing online tools, information, and local partners. This follows Eres's strategy of acquiring complementary digital assets to enhance its long-term savings offerings.
• WiiSmileminorGTM or Marketing PartnerEres partners with WiiSmile to offer wealth management advisors a comprehensive employee benefits solution (externalized works council) providing SME employees with the same advantages as employees of large corporations.
• PrimaliancecoreStrategic or Co-development PartnerEres partners with Primaliance to offer Eres Prime Immo — a real estate savings platform providing wealth management advisors with tools and information to advise clients on SCPI portfolio subscriptions. This is a key differentiator in the individual savings product range.
• Swiss LifecoreTechnology or IntegrationSwiss Life serves as the insurance provider (assureur) for Eres's PER (Plan d'Épargne Retraite) products, enabling Eres to offer company retirement savings plans backed by a major insurance carrier.
• SpiricacoreTechnology or IntegrationSpirica acts as the insurance provider for Eres's PER and the Eres La Vie multi-support life insurance product, complementing the savings and retirement offering with a flexible insurance wrapper.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Amundi Employee Savings & Retirement: Amundi's dedicated employee savings and retirement business manages FCPE funds and corporate savings plans in France. Comparable in product mix (FCPE, PEE, PER) and uses an open-architecture model with multi-affiliate management companies.
• Epsens (Natixis Interépargne): Natixis-owned French employee savings specialist offering PEE, PERCO, PER and profit-sharing products to corporate clients. Closest direct competitor to Eres in the independent-specialist segment, though ultimately owned by a large banking group.
• Swiss Life France: French arm of Swiss Life, acting as insurer for Eres's PER products (via partnership) while also distributing its own PER and life insurance products. Comparable retirement-product portfolio but vertically integrated as an insurer, not a specialist savings administrator.
• Spirica: French life-insurance carrier (Crédit Agricole subsidiary) providing insurance wrappers for Eres's PER and Eres La Vie products. A partner today, but a competing provider of multi-support life insurance offerings through similar partner distribution.

Broad incumbents

• AG2R La Mondiale: Major French retirement and employee benefits insurer offering PER, Article 39, and group savings products. Comparable on the retirement/savings product side but with a fundamentally different insurance-carrier business model.
• Société Générale Épargne Salariale: Banking group offering employee savings plans, retirement savings and individual retirement products through its corporate and wealth divisions. Wide incumbent with significant SME and large-cap French penetration.
• Malakoff Humanis: Leading French social protection group offering retirement, health, and employee savings products (PER, PEE, Article 39) to corporate clients. Overlaps with Eres across retirement plans and employer savings but operates within a broader welfare-insurance mandate.
• Crédit Agricole Épargne Salariale: Mutual banking group's employee savings and retirement offering, distributed through regional Caisses and partner networks across France. Strong incumbent in SME and corporate segments that overlap with Eres's target market.
• BNP Paribas Épargne Salariale: Bank-owned employee savings and retirement arm of BNP Paribas providing PEE, PERCO and PER across French corporates. A broad incumbent with deep balance sheet, competing for the same corporate and partner relationships as Eres but bundled inside a full banking offering.

Emerging players

• WiiSmile: Outsourced employee-committee (CSE) and benefits platform working with Eres to offer SMEs corporate benefits packages. Adjacent rather than directly competing, sharing channel overlap with Eres's wealth-advisor and accountant partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/eres_group
• YouTubevimeo.com/user105456293
• LinkedInlinkedin.com/company/eres-group
• Instagraminstagram.com/eres_group

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Eres