AGS - La garantie des salaires

What AGS - La garantie des salaires does

AGS - La garantie des salaires (Association pour la Gestion du régime de Garantie des créances des Salariés) is a French non-profit association (loi 1901) established in 1974 following the law of 27 December 1973. It operates the statutory wage guarantee scheme that ensures employees of insolvent companies receive payment of unpaid wages, severance, notice pay, paid leave, and other employment-related claims. AGS is governed by a Board of Directors representing employers' organisations (MEDEF, CGPME, CNMMCA lineage) and operates through a network of 15 Centres de Gestion et d'Études AGS (CGEA) across mainland France and the overseas departments.

The organization processes claims submitted by court-appointed judicial representatives during safeguard, reorganisation, and liquidation proceedings, releasing funds on average within 48 hours. Its technology stack centers on a website platform (redesigned in 2025) featuring the Agilo chatbot built on Microsoft Azure and Microsoft Copilot Studio, with Google Analytics 4 for audience measurement. Supporting services include an online legal documentation repository, a weekly legal watch newsletter, the AGS Campus training programme for legal professionals, the AGS Observatory publishing economic analyses with Rexecode and Banque de France, and a foreign insolvency intervention service covering EU/EEA cross-border cases under Article L.3253-18-1 of the French Labour Code.

AGS is financed by mandatory employer contributions set at 0.25% of payroll (effective 1 January 2025, confirmed unchanged by the Board of Directors on 16 December 2025), collected via URSSAF for the general scheme and MSA for the agricultural sector. A secondary funding stream comes from recoveries when insolvent companies regain solvency or when liquidation asset sales proceed, given AGS's super-preferential creditor status. The scheme is not a commercial enterprise: in 2025 AGS paid €2.233 billion in interventions (a record since founding), supported over 250,000 beneficiaries, and accompanied 26,640 enterprises in difficulty, with approximately 85% of cases involving very small businesses (fewer than 10 employees).

Name

AGS - La garantie des salaires

Legal name

Association pour la Gestion du régime de Garantie des créances des Salariés

Website

https://ags-garantie-salaires.org

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Short description

AGS - La garantie des salaires is a French statutory non-profit association that guarantees payment of unpaid wages, severance, and employment claims to employees when their employers enter insolvency proceedings, operating through 15 regional centers and funded by mandatory employer contributions of 0.25% of payroll.

Ownership category

akta.pro rank

Product category

Wage Guarantee Insurance

NAICS

Insurance and Employee Benefit Funds (5251)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Payroll Tax Filing, Compliance & Regulatory Reporting (BPAAAHAB)

akta.pro secondary industries

Employment & Labor Law (BPAHAAAD), Garnishments, Levies & Wage Withholding Administration (BPAAAHAG)

Keywords

• Wage guarantee insurance
• Employee wage protection
• Insolvency wage claims
• Salary guarantee scheme
• Severance pay advance

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, Infrastructure, Others

Revenue model

1. Employer Contributions: Mandatory employer contributions paid via URSSAF, calculated on the company's payroll up to a ceiling. Since 1 January 2025, the rate has been 0.25%, payable solely by the employer. The calculation basis matches that of unemployment insurance and is capped at four times the Social Security ceiling. These contributions fund the guarantee scheme and are the primary revenue source.
2. Recoveries: When a company regains the ability to repay its debts, it must reimburse the cash advance provided by AGS. When a company is liquidated, the sale of assets also enables AGS to recover funds, as it holds super-preferential creditor status. This is a secondary revenue stream that helps maintain the scheme's financial balance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

AGS administers France's statutory wage guarantee system, paying employees of insolvent companies their outstanding wages, severance pay, paid leave, and other employment-related claims. The scheme is financed by a mandatory 0.25% employer contribution on gross salaries collected via URSSAF, and intervention is triggered by judicial decisions of redressement or liquidation judiciaire.

Product overview

AGS operates as a unified wage guarantee scheme (Régime de Garantie des Salaires) rather than a modular software platform. The core offering is the wage guarantee service that advances payment of unpaid wages, redundancy payments, and other employee claims during insolvency proceedings. Supporting services include: the Agilo chatbot for automated user assistance; an online legal documentation repository; a weekly legal watch newsletter; AGS Campus for professional training; the AGS Observatory for economic analysis and statistics; a network of 15 CGEA centers for local operations; foreign insolvency intervention services for EU/EEA cross-border cases; fraud prevention services; and online forms for data protection rights and foreign insolvency applications. The organization functions as a social protection institution financed by employer contributions (0.25% rate), not as a technology product company.

Differentiator

Problem solved

Functional benefit

Products and services

• Statutory Wage Guarantee Scheme (Garantie des salaires) Statutory insurance that advances payment of unpaid wages, severance, notice pay, paid leave, and other employment-related claims to employees of French companies placed in redressement or liquidation judiciaire. Funded by a mandatory 0.25% employer contribution on gross salaries collected via URSSAF.
• AGS Campus
• AGS Observatory (Observatoire de l'AGS)

Quantifiable outcome

• €2.233 billion in record interventions in 2025
• +4 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core, major and minor.

• UnédiccoreStrategic or Co-development Partner · 1 January 1974Unédic has held the operational management mandate for AGS since its creation in 1974. Unédic handles the technical and financial management of the scheme under this mandate. In 2024, teams were transferred to AGS, which now directly manages the scheme's operations, while Unédic continues to provide structural support.
• URSSAF (Union de Recouvrement des Cotisations de Sécurité Sociale et d'Allocations Familiales)coreChannel Partner/ Reseller/ DistributorURSSAF collects AGS employer contributions via payroll deductions for the general social security scheme. Contributions are collected using the same calculation basis as unemployment insurance, capped at four times the Social Security ceiling.
• MSA (Mutualité Sociale Agricole)coreChannel Partner/ Reseller/ DistributorMSA collects AGS employer contributions for the agricultural sector, analogous to URSSAF's role for the general scheme.
• Social protection organisations (organismes de protection sociale)majorStrategic or Co-development PartnerAGS coordinates with social protection bodies to maintain beneficiary social entitlements (pensions, health insurance) and collaborates on fraud prevention efforts. These partnerships support the broader national solidarity system.
• RexecodemajorStrategic or Co-development PartnerRexecode is a key analytical partner collaborating with the AGS Observatory to provide economic analyses and studies on business failures and the French economy.
• Banque de FrancemajorStrategic or Co-development PartnerBanque de France partners with AGS Observatory to provide complementary economic perspectives and data on business distress and insolvency proceedings in France.
• European wage guarantee counterparts (Belgium, UK, Spain, Germany, Austria, Luxembourg)minorStrategic or Co-development PartnerAGS initiated a European cooperation network in 2005 for sharing expertise and best practices on wage guarantee mechanisms. Includes counterparts in Belgium, UK, Spain, Germany, Austria, and Luxembourg. Exchanges are aimed at studying receivership proceedings and reviewing respective competences to optimize transnational bankruptcy management.
• European CommissionminorStrategic or Co-development PartnerAGS has developed exchanges with the European Commission to gain better knowledge of EU Community law as it relates to employee protection in insolvency proceedings.
• Court of Justice of the European CommunityminorOthersAGS engages with the Court of Justice of the European Community within the framework of European institutions to deepen understanding of Community law applicable to cross-border insolvency cases.
• Novius agencyminorOthersNovius conducted the RGAA 4.1.2 accessibility compliance audit of the AGS website, revealing 58.8% compliance with 40 compliant criteria and 28 non-compliant criteria out of 106 total.

Scale indicators8 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• FOGASA (Fondo de Garantía Salarial): Spain's statutory wage guarantee fund guaranteeing unpaid wages, severance, and indemnities to employees in insolvency. Direct analogue to AGS in continental Europe with similar mandate, contribution-based financing, and judicial-driven intervention model.
• Redundancy Payments Service (UK): UK government service paying statutory redundancy and unpaid wages owed by insolvent employers. Direct peer in mandate and beneficiary scope, though financed through general taxation rather than employer contributions.
• ONEM/RVA - Cellule Salaires et Indemnités: Belgium's wage and severance guarantee mechanism operated within the National Employment Office. Directly comparable statutory function for Belgian employees of insolvent employers, with similar contribution financing.
• Insolvenzgeld (German Federal Employment Agency): Germany's statutory insolvency wage benefit paid by the Bundesagentur für Arbeit when employers become insolvent. Comparable in mandate (advance wage payment in insolvency) and statutory nature, though delivered through Germany's broader employment agency infrastructure.
• INPS - Fondo di Garanzia: Italy's National Social Security Institute administers the wage guarantee fund for employees of insolvent companies under Italian law. Comparable in statutory social-protection role and European cross-border insolvency handling.

Others

• Rexecode: French economic research center partnering with AGS Observatory to produce economic analyses and quarterly bulletins on business distress. Enabling/ecosystem participant providing analytical infrastructure rather than competing service.
• Onepoint: French technology consultancy credited with the design and development of AGS's new digital platform. Technology vendor rather than peer in service delivery.

Broad incumbents

• Unédic: French unemployment insurance scheme manager and historically AGS's operational mandate holder since 1974 until teams were transferred to AGS in 2024. Operates in adjacent social protection space and remains AGS's structural support partner.
• URSSAF: French social security contribution collection agency that collects AGS employer contributions on payroll. Operates within the same statutory social-protection framework and shares the capped payroll calculation basis with AGS.
• France Travail (formerly Pôle Emploi): France's national public employment service interacting with AGS beneficiaries for unemployment and job placement. Sits within the same French social protection ecosystem and serves overlapping employee populations post-insolvency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ags-garantie-salaires
• Xx.com/delegation_ags

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 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 AGS - La garantie des salaires