Kerialis

What Kerialis does

KERIALIS is a French paritarian provident institution (institution de prévoyance) founded in 1960 as CREPA and now serving the legal and accounting professions of France. It delivers a comprehensive suite of social protection products — collective health insurance (VITAKER), provident insurance (EDIKER/EDIKER+), dependency coverage (KEREO), supplementary retirement (TRANKILIS, recently transformed into a PERO), end-of-career indemnity reimbursement (KONFORTIS), retiree health (UNAKER), and employee savings (SOLES) — anchored to a point-based retirement engine, a digital customer portal (Espaces Personnels), and the Sovalis practice-management platform. The institution operates as a non-profit mutual under ACPR supervision, with paritarian governance from employer and employee representatives of the legal and accounting sectors. Revenue is generated entirely through recurring contribution streams (subscription-based, typically billed quarterly and declared via DSN), serving 15,792 client companies, 32,039 insured employees, and 21,008 retired insureds through direct B2B employer relationships, a 100% online subscription portal, and dedicated self-employed offerings. Asset management for the retirement scheme is delegated to AXA France, while KERIALIS retains underwriting risk and annuity guarantees. The business is geographically restricted to France and operates without external shareholders, with Béatrice Granjean serving as Directrice Générale of the Prévoyance and Retraite entities.

Name

Kerialis

Legal name

KERIALIS

Website

https://kerialis.fr

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

101–250 employees

Short description

KERIALIS is a French paritarian provident institution delivering health, provident, dependency, retirement, and end-of-career indemnity products to 15,792 client companies, 32,039 insured employees, and 21,008 retirees in the legal and accounting professions.

Ownership category

akta.pro rank

Product category

Provident Insurance and Social Protection

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Complementary health insurance
• Provident insurance
• Supplementary retirement
• Dependency coverage
• Employee benefits administration

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Contributions (Cotisations Santé): KERIALIS collects employer and employee contributions for complementary health insurance plans (VITAKER for active employees, UNAKER for retirees). Contributions are declared via DSN and called by KERIALIS, with billing typically quarterly. Employer must cover at least 50% of the employee's contribution.
2. Provident Insurance Contributions (Cotisations Prévoyance): Employer and employee contributions covering incapacity, invalidity, death, orphan/widow annuities, funeral benefits, and assistance services. Contributions declared via DSN.
3. Supplementary Retirement Contributions (Cotisations Retraite - TRANKILIS PERO): Employer and employee contributions to the TRANKILIS PERO pension plan. Rates as of January 2025: 3% on Tranche 1 salary and 10% on Tranche 2 (up to 3 Annual Social Security Ceilings). Contributions declared monthly via DSN with quarterly payment.
4. Dependency Coverage Contributions (Cotisations Dépendance - KEREO): Employer and employee contributions for KEREO dependency coverage, capped at 1% of annual gross salary, with minimum 50% employer share. Rights are definitively acquired regardless of subsequent events.
5. End-of-Career Indemnity Reimbursement (KONFORTIS): Employers subscribe to KONFORTIS to prepay and later receive reimbursement of end-of-career indemnities (IFC) paid to retiring employees, including employer social charges. Premiums are spread over time to avoid cash flow impact.
6. Savings Products (SOLES): Employee savings products including PEE (Company Savings Plan) and PERECO (Voluntary Retirement Savings Plan) for law firm employees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

KERIALIS is a French paritarian provident institution that provides integrated social protection (complementary health, provident, dependency, supplementary retirement, end-of-career indemnity reimbursement and employee savings) to law firms and accounting practices and their employees. Coverage is delivered through collective employer subscriptions backed by digital Espaces Personnels and a fully online subscription process.

Product overview

KERIALIS operates as a comprehensive social protection institution offering a unified platform with multiple integrated products for employees of law firms and accounting firms. The core offering centers on the Pack Protection Sociale, which bundles health insurance (VITAKER), provident insurance, dependency coverage (KEREO), supplementary retirement (TRANKILIS PERO), and end-of-career indemnities (KONFORTIS). The company also serves retired lawyers through UNAKER health coverage and accounting professionals through EDIKER/EDIKER+ products. Supporting the product portfolio is the Sovalis digital platform for lawyers and the Espace Personnel self-service portal. The company was founded in 1960 as CREPA and serves approximately 32,039 client companies, 85 collaborators, and 21,008 insured employees.

Differentiator

Problem solved

Functional benefit

Brands

• VITAKER: Collective health insurance (mutuelle) for employees of law firms and accounting firms
• TRANKILIS
• KONFORTIS
• KEREO
• UNAKER
• EDIKER

Products and services

• VITAKER Collective complementary health insurance (mutuelle) for law firm and accounting firm employees, meeting French legal and collective bargaining agreement obligations for employer-funded health coverage (employer must fund at least 50% of the employee contribution). Available in Uniform/Family, Adult/Child, and Isolated/Family contribution structures.
• TRANKILIS (PERO) Supplementary mandatory retirement plan (PERO) in points, providing employees of law firms with additional retirement income through a guaranteed annuity based on accumulated points, regardless of subsequent career changes.
• KONFORTIS End-of-career indemnity (Indemnité de Fin de Carrière, IFC) reimbursement solution that covers employer contributions for employee end-of-career indemnities upon retirement, including related social charges, with 1-month reimbursement delay after complete file submission.
• KEREO Collective dependency insurance providing monthly lifetime annuities (400 EUR partial dependency / 800 EUR total dependency) for employees unable to perform basic daily activities without assistance due to illness or accident, with no medical selection or age conditions.
• EDIKER / EDIKER+ Provident insurance for accounting firm employees, covering incapacity, invalidity, death, orphan/widow annuities, funeral benefits, and assistance services.
• UNAKER Individual complementary health insurance product dedicated to retired lawyers, with cancellation assistance for existing contracts after a 12-month waiting period.
• SOLES (PEE / PERECO) Employee savings products including PEE (Plan d'Epargne Entreprise / Company Savings Plan) and PERECO (Plan d'Epargne Retraite d'Entreprise Collectif / Collective Company Retirement Savings Plan) for law firm and accounting firm employees.
• Pack Protection Sociale Comprehensive bundled protection package combining health (VITAKER), provident (EDIKER), dependency (KEREO), retirement (TRANKILIS PERO), and end-of-career indemnity (KONFORTIS) coverage for law firm employers and employees.
• Sovalis Digital business platform enabling lawyers to create professional websites, develop their activity, and access a marketplace of expert resources and services.

Quantifiable outcome

• 32,039 insured employees covered across 15,792 client companies
• +7 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• AXA FrancecoreTechnology or IntegrationAXA France serves as the delegated asset manager for TRANKILIS PERO's financial investments. KERIALIS bears financial risk and guarantees annuities, while AXA France manages investment allocations prudently with a long-term horizon. All investment returns are fully reinvested into the retirement scheme.
• ACPR (Autorité de Contrôle Prudentiel et de Résolution)coreOthersRegulatory authority overseeing KERIALIS Prévoyance, KERIALIS Retraite, and KERIALIS Courtage. Located at 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09. ACPR approved early termination of TRANKILIS provisionment plan on December 12, 2024, enabling transformation to PERO.
• Facebook AdsminorGTM or Marketing PartnerFacebook Ads platform is used for audience analytics and targeted advertising on the Facebook platform, subject to user consent for cookies.
• LinkedIn InsightminorGTM or Marketing PartnerLinkedIn Insight is used for audience analytics and targeted advertising on LinkedIn, with data processed in accordance with GDPR.
• ADDSA (Association paritaire pour le Développement du Dialogue Social dans la branche du personnel des cabinets d'Avocats)coreStrategic or Co-development PartnerADDSA is the paritarian body representing the legal profession's sector on social protection matters. KERIALIS directs employers to ADDSA for collective bargaining agreement questions on contribution rate distributions. The branch is currently negotiating a PACTE-compliant retirement amendment for law firm employees.
• OCIRP (Organisation commune des institutions d'assurance maladie et de retraite complémentaire)minorOthersOCIRP is referenced in KERIALIS provident insurance coverage for orphan and surviving spouse annuities (rente conjoint survivant) as part of the collective provident package.
• SCB (Société de Courtage du Barreau)minorChannel Partner/ Reseller/ DistributorSCB is a brokerage partner helping self-employed lawyers (TNS) insure their practices, in partnership with KERIALIS for health coverage solutions.
• ANAH (Agence Nationale de l'Habitat)minorOthersANAH provides housing assistance referenced in KERIALIS social action support for employees facing housing-related difficulties.
• CNPM Médiation ConsommationminorOthersCNPM Médiation Consommation serves as the mediator for KERIALIS Courtage customer disputes, accessible at 27 avenue de la Libération, 42400 Saint-Chamond or online at cnpm-mediation-consommation.eu.
• Médiateur de la Protection Sociale (CTIP/FIPS)minorOthersThe Médiateur de la Protection Sociale (FIPS) provides independent dispute resolution for KERIALIS Prévoyance (health, provident, dependency) and KERIALIS Retraite (retirement, end-of-career indemnity) complaints, accessible at 10 rue Cambacérès, 75008 Paris.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Klesia: French paritarian social protection institution covering health, provident, retirement, and dependency for a range of professional branches — directly comparable in mandate, governance, and product mix to Kerialis.
• AG2R La Mondiale: Largest French paritarian social protection group, providing health, provident, retirement, and savings coverage to multiple professions and enterprises. Closest structural analogue to Kerialis in the French provident institution landscape.
• Malakoff Humanis: Major French social protection group formed from the merger of Malakoff Médéric and Humanis, serving employers and employees across multiple professions with health, provident, retirement, and savings products under paritarian governance.
• Pro BTP: Provident institution dedicated to the French construction sector, providing integrated health, provident, retirement, and savings coverage under collective bargaining — same operating model as Kerialis but in a different vertical.
• AUDIENS: French paritarian social protection group serving the culture, media, and entertainment sectors with health, provident, and retirement coverage — directly analogous sector-specific provident institution structure.
• AGRICA: French paritarian social protection group serving the agricultural sector with health, retirement, and provident products — comparable paritarian, profession-specific institutional model.

Broad incumbents

• Henner: Leading French group insurance broker specializing in professional and executive benefits, competing for the same employer-sponsored health and provident business as KERIALIS Courtage, with broader cross-border capabilities.
• Allianz France: Major generalist French insurer offering group health, provident, and retirement products to professional firms; competes with Kerialis at the upper end of law and accounting firm accounts.
• AXA France: Large French generalist insurer and Kerialis's delegated asset manager for TRANKILIS PERO; a potential dual counterparty (partner and competitor) given its broad group health and retirement offering.
• CNP Assurances: Major French life and personal protection insurer with a strong footprint in group and individual retirement products, including partnerships with French institutions — competes broadly with TRANKILIS PERO and supplementary retirement offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KERIALIS_Prev
• Facebookfacebook.com/KERIALIS

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 Kerialis