Kereis France

Name

Kereis France

Legal name

Kereis France

Website

https://kereisfrance.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Kereis France is a French insurance broker and administrator specializing in borrower insurance and individual provident insurance, serving 200+ banking, insurance, automotive, and retail partners through white-label digital platforms and AI-powered claims automation.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Administration

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Insurance brokerage
• Borrower insurance
• Provident insurance
• Insurance administration
• Credit insurance

Headquarters

HQ city

Saint-herblain

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Management Fees: Kereis France acts as insurance broker and administrator, earning fees for managing borrower insurance and individual provident insurance portfolios for banking and insurance partners. Services include risk selection, premium collection, claims handling, and policy administration.
2. Technology Licensing: Revenue generated from white-label SaaS platforms (Ses@me portal, Espace Assuré) deployed for insurance and banking partners. Partners can customize platforms to their branding and integrate via APIs.
3. Product Engineering and Consulting: Fees for co-designing and deploying innovative insurance products, conducting market studies, actuarial analysis, and portfolio benchmarking for partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Kereis France is an insurance broker, advisor, and administrator specialized in borrower insurance and individual provident insurance. The company manages end-to-end insurance value chains for banking, insurance, and automotive partners, including product design, risk selection, policy administration, and claims handling. It also provides white-label digital platforms (Ses@me for brokers, Espace Assuré for insureds) and AI-powered claims automation (Fast Claim) to over 200 partners.

Product overview

Kereis France is a broker, advisor, and administrator specializing in borrower insurance and individual provident insurance. Formerly known as CBP (rebranded to Kereis France in 2023), it operates a platform-plus-modules architecture anchored by the core Espace Assuré (web and mobile app) through which insureds manage contracts and submit claims. The B2B distribution layer comprises Sés@me (broker sales portal with open APIs) and Sésame Prévoyance (provident sales tool), while the operations layer includes 2AEVA (claims journey solution), Fast Claim (AI-powered claims automation), Speakylink (visual assistance), and Odisea (online subscription). Underpinning these are proprietary technology platforms: the Kereis Data Lake (centralized data storage and analytics) and the Kereis PaaS (cloud infrastructure for deploying and managing 100+ internal applications). Supporting tools include Teamstarter (internal crowdfunding), LAB.DAY and Hackaton (innovation programs), all aligned with a digital ecosystem covering distribution, management, and regulatory compliance for over 200 partner organizations across banking, insurance, automotive, and distribution sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Espace Assuré Kereis France
• Sés@me (Sesame)
• Fast Claim
• Sésame Prévoyance
• Ecosystème Digital (Digital Ecosystem)
• Assurance Emprunteur (Borrower Insurance)
• Prévoyance Individuelle (Individual Provident Insurance)
• Assurance Crédits Conso/Auto (Consumer and Auto Credit Insurance)

Quantifiable outcome

• Claims processing time reduced by 95% (from 70 days to 3 days) with Fast Claim AI solution
• +7 more outcomes

Named customers19 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability6 records

Feature8 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Carrefour AssurancecoreStrategic or Co-development Partner · 1 January 2025First partner to deploy Fast Claim AI solution for claims processing. Collaboration on innovation bringing immediate benefits to policyholders through faster claims resolution.
• AXA PartnerscoreStrategic or Co-development Partner · 1 January 2024Long-term partnership in France and Europe for borrower insurance management. Jointly developed AI-powered medical verification system achieving 68% reduction in medical controls. Project concerns AXA Partners scope managed by Kereis France for long-term sick leave scenarios.
• Cofidis / AiwaysminorChannel Partner/ Reseller/ Distributor · 1 January 2021Tripartite partnership initiated in 2021 with Cofidis and Aiways brand in France. Kereis provides and distributes financial loss insurance solutions.
• Santander Consumer BanquecoreChannel Partner/ Reseller/ Distributor · 1 January 2017Managing borrower and financial loss insurance since 2017 through two successive insurers (BNP Paribas Cardif and CNP). Full satisfaction confirmed for claims management, policyholder relations, commercial relations, and partnership follow-up. Managed smooth insurer transition.
• CNAM (Caisse Nationale d'Assurance Maladie)coreStrategic or Co-development PartnerKereis France is the only actor to have established automatic and secure links with CNAM. Enables recovery of daily allowances for clients and accelerates work stoppage compensation while reducing fraud risk. Winner of Trophée de l'Assurance 2021.
• FranceConnectcoreTechnology or IntegrationFirst private actor to implement FranceConnect on its assured space. Identity verification and authentication system using existing verified accounts. 37 million users ecosystem enabling secure login and automatic medical document transmission.
• Volkswagen Financial ServicescoreChannel Partner/ Reseller/ DistributorLong-term partnership for over 20 years managing automotive financing insurance. Previously through GAN, AXA, and currently BNP Paribas Cardif. Partnership includes portfolio management, claims handling, and commercial relationship management.
• CNP Santander InsurancecoreChannel Partner/ Reseller/ DistributorEuropean automotive insurance partner in Kereis France's European activity.
• FCA CapitalcoreChannel Partner/ Reseller/ DistributorMajor European signature in automotive insurance, part of Kereis France's European operations.
• RCI InsurancecoreChannel Partner/ Reseller/ DistributorKey European automotive insurance partner in Kereis France's European activity.
• Kereis 4 ImpactminorOthersCorporate foundation of Kereis Group with 4 priority themes for patronage directly related to activities: health risk prevention, support for children and student populations, medical research, and social integration.

Scale indicators12 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• April Group: French insurance broker and advisory group providing personal and commercial lines distribution and advisory services. Operates a similar B2B broker-administrator model and competes for the same banking, corporate, and individual distribution mandates as Kereis France.
• SPB: French insurance services and administration firm that manages affinity, warranty, and credit-related insurance programs for major retail and financial partners. Closely comparable business model to Kereis France in delegated management and white-label platform services.
• Verspieren: Independent French insurance broker and risk advisor serving corporate and individual clients. Comparable as a mid-large French broker with similar advisory and distribution capabilities to Kereis France's borrower and provident lines.
• Henner: French-headquartered insurance broker specializing in group health, provident, and individual protection products. Overlaps with Kereis France's prévoyance individuelle business and shares the B2B broker-administrator model.
• Magnolia: French insurance broker and advisory firm with a similar mid-market broker profile. Competes for similar distribution and advisory mandates across personal and commercial lines in France.

Emerging players

• Santiane: French digital-first insurance broker focused on health, provident, and borrower insurance. Targets the same individual consumer and banking distribution channels as Kereis France with a leaner digital-native cost structure.
• Acheel: French digital insurance broker offering multi-line personal insurance directly to consumers. Competes for the same end-customers that Kereis France services through its banking and insurance partners.
• Shift Technology: French insurtech applying AI to insurance fraud detection, claims automation, and underwriting. Direct technology overlap with Kereis France's Fast Claim and predictive AI capabilities, and a potential partner or competitor depending on go-to-market.
• Qover: Embedded insurance orchestration platform enabling banks, lenders, and retailers to distribute insurance via API. Represents an alternative distribution model that could bypass Kereis France's white-label portal approach.
• Wakam: French digital-native insurance carrier offering B2B2C products through partner distribution. Currently both a Kereis France partner and a structural competitor as a digital-first carrier that could disintermediate broker-administered distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC6dpVSSS4LH9KpccmXKNWzg
• LinkedInlinkedin.com/company/kereis-france
• Xx.com/kereisfrance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Kereis France