APRIL Entreprise

What APRIL Entreprise does

APRIL Entreprise is a French insurance broker (courtier conseil) headquartered in Lyon that designs, places, and manages collective social protection schemes — supplementary health insurance (Complémentaire Santé), prévoyance (death, disability, incapacity), and retirement/employee savings (PERO, PERCOL, PERU, PEE, Participation, Intéressement) — for French businesses. Founded around 1986–1990, the company has operated for over 30 years and serves approximately 6,700 business clients with a team of 70 collaborators. It is registered with ORIAS (number 07 008 043), regulated by ACPR, and structured as an SAS with €7,842,160 of share capital under RCS Lyon 338 399 439.

The core platform combines web-based intake flows (Demande de devis, Besoin d'information, "Votre solution personnalisée en 3 clics") with human expert advisory, including social protection audits, DSN paramétrage, APEC cadre classification, URSSAF compliance support, and ongoing regime optimization. Products are organized around three pillars (Santé, Prévoyance, Retraite et épargne salariale) and are productized by company size (TNS, TPE 1–19, PME 20–249, ETI & grandes entreprises) and by collective bargaining agreement (CCN) for sectors including agroalimentaire, Syntec, metallurgy, chemicals, wholesale commerce, and pharmaceuticals. Complementary content assets — the annual Mémento Social guide, topical guides, and a recurring webinar series — are used as top- and mid-funnel marketing.

The business model is commission-based brokerage: APRIL Entreprise places collective policies with partner insurers and earns commissions; pricing is not publicly disclosed and is generated via customized quotes per client. Distribution is sales-led and direct (website consultation plus expert advisory), supplemented by channel partnerships with Experts-Comptables (accountants) and franchise networks, and co-marketing alliances with WiiSmile, BDO Avocats, X-PM, and Synpeak. The company is a wholly-owned subsidiary of Groupe APRIL, a diversified French insurance group whose broader brand portfolio (APRIL Santé, APRIL Emprunteur, APRIL Prévoyance, APRIL International, APRIL Moto, APRIL Auto) provides parent-level resources, while APRIL Entreprise retains operational autonomy under its own brand and website. Geographic scope is domestic (France) with no international footprint claimed.

Name

APRIL Entreprise

Legal name

APRIL Entreprise

Website

https://april-entreprise.fr

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

101–250 employees

Short description

APRIL Entreprise is a French insurance broker (courtier conseil) headquartered in Lyon that designs and manages collective social protection — health, prévoyance, and retirement savings — for roughly 6,700 French businesses ranging from TPEs to large enterprises, operating as a wholly-owned subsidiary of Groupe APRIL.

Ownership category

akta.pro rank

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: APRIL Entreprise operates as an insurance intermediary (courtier conseil) registered with ORIAS under number 07 008 043. The company earns commissions from insurance underwriting for placing collective health insurance, prévoyance (death/disability insurance), and retirement savings products (PERO, PERCOL, PERU) for business clients.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

APRIL Entreprise is a French insurance broker (courtier conseil) specializing in collective social protection for businesses. It designs, manages, and places collective health insurance (Complémentaire Santé), provident insurance (Prévoyance Collective covering death/disability/incapacity), and retirement/employee savings plans (PERO, PERCOL, PERU, PEE, Participation, Intéressement) with partner insurers. The company also provides advisory services including social protection audits, DSN configuration, and regulatory compliance support.

Product overview

APRIL Entreprise is a consulting insurance broker specializing in collective social protection for businesses. The company offers a unified portfolio of complementary products organized around three core pillars: health insurance (Complémentaire Santé), collective provident insurance (Prévoyance Collective), and retirement/employee savings (Retraite et Épargne Salariale). The health and provident offerings include supplementary insurance for medical expenses, death/disability/invalidity coverage, and unemployment portabilities, while the savings pillar encompasses PERO (mandatory), PERCOL (collective), PERU (unified), PEE, profit-sharing (Participation), and performance incentives (Intéressement). APRIL Entreprise also provides advisory services including social protection audits, DSN configuration, and legal compliance support, supplemented by educational resources such as the annual Mémento Social guide and expert-led webinars. The company serves businesses of all sizes from micro-enterprises (TNS/TPE) to large companies (ETI), with sector-specific solutions aligned to collective bargaining agreements (CCN) in industries including food processing, metallurgy, chemicals, wholesale trade, and engineering (Syntec).

Differentiator

Problem solved

Functional benefit

Brands

• APRIL Entreprise: Core brand for collective social protection brokerage services targeting businesses

Products and services

• Complémentaire Santé Entreprise Supplementary health insurance for employees, covering medical expenses not reimbursed by Social Security including hospital, dental, optical, and audiology care under the 100% Santé framework. Targeted at French businesses seeking compliant collective health coverage.
• Prévoyance Collective Collective provident insurance covering death, disability, and incapacity risks for employees, with guarantees for capital death, education annuities, and income maintenance during sick leave. Designed for French businesses requiring ANI-compliant prévoyance coverage.
• PERO (Plan d'Épargne Retraite Obligatoire) Mandatory corporate retirement savings plan replacing the former 'article 83' regime, with defined contribution rates expressed as a percentage of salary, covering long-term retirement savings for employees.
• PERCOL (Plan d'Épargne Retraite Collectif) Collective retirement savings plan open to all employees with voluntary membership, allowing contributions from employee savings, profit-sharing, and employer top-ups for medium to long-term retirement savings.
• PERU (Plan d'Épargne Retraite Unique) Unified retirement savings plan combining mandatory (PERO) and collective (PERCOL) components into a single vehicle, collecting all contribution sources from both employer and employee for retirement purposes.
• PEE (Plan d'Épargne Entreprise) Corporate savings plan enabling employees to save with employer assistance through participation, profit-sharing, or voluntary contributions, with funds typically locked for five years except for early withdrawal cases.
• Participation Mandatory employee profit-sharing scheme for companies with 50+ employees, redistributing a portion of profits based on a regulated formula to employees through savings plans.
• Intéressement Voluntary performance-based incentive scheme linking employee rewards to predefined objectives such as economic results, productivity, quality, or social/CSR indicators.
• Assurance Emprunteur Loan insurance for employees covering death, total permanent disability (PTIA), and optionally incapacity and invalidity, helping preserve employee purchasing power by offering competitive alternatives to bank-proposed insurance.
• Portabilité des Garanties Continuation of health and provident insurance coverage for former employees who become unemployed, maintaining their coverage free of charge for up to 12 months based on seniority.
• Audit de Protection Sociale Strategic review of collective insurance schemes including compliance verification, financial and technical analysis, and experience assessment to identify optimization opportunities for employers.
• Paramétrage DSN Configuration of Déclaration Sociale Nominative (DSN) data flows for seamless transmission of employee information to Social Security and insurers, ensuring accurate contribution reporting and compliance.

Named customers1 record

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• SynpeakminorGTM or Marketing Partner · 24 April 2026Synpeak partners with APRIL Entreprise for a webinaire during Quality of Work Life Week, focusing on practical solutions for employee wellbeing and competitive benefits.
• BDO AvocatsminorGTM or Marketing Partner · 9 April 2026BDO Avocats is a law firm partner for APRIL Entreprise's webinaire on salary transparency (Transparency of Remunerations), addressing French transposition of EU directive requirements expected by June 2026.
• X-PMminorGTM or Marketing Partner · 9 April 2026X-PM partners with APRIL Entreprise for the salary transparency webinaire, bringing HR consulting expertise to the discussion on remuneration transparency requirements for SMEs.
• WiiSmileminorGTM or Marketing Partner · 26 March 2026WiiSmile is an innovative platform dedicated to employee benefits and collaborator engagement. APRIL Entreprise partners with WiiSmile for a co-hosted webinaire on Quality of Life at Work and Employee Benefits (26 March 2026), aiming to help companies strengthen team engagement and purchasing power through innovative benefit solutions.

Scale indicators3 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Verspieren: Major French insurance broker (courtier) headquartered in the Hauts-de-France region, providing collective health, prévoyance, and retirement solutions to businesses across France. Directly comparable in size, business model, and target customer segments (TPE/PME/ETI).
• Diot-Siaci: Leading French insurance broker specializing in corporate insurance, employee benefits, and risk management for SMEs and mid-market firms. Closely comparable B2B brokerage model with focus on collective social protection.
• Alptis: French insurance broker and mutuelle providing collective health, prévoyance, and savings products to individuals, professionals, and businesses. Operates a similar advisory-brokerage model targeting French SMEs and individual professionals.
• Henner Group: Independent French insurance broker specializing in collective health, prévoyance, and retirement for businesses, with strong expertise in international/expat employee benefits. Comparable B2B brokerage focus on social protection for SMEs.
• Kereis (formerly Verlingue): French insurance broker group (Kereis) serving SMEs, mid-market, and large enterprises across health, prévoyance, and P&C lines. Direct competitor in French collective social protection brokerage.

Broad incumbents

• Mercer: Global consulting leader in health, wealth, and career advisory, with substantial French employee benefits brokerage practice. Competes in the same collective benefits space but at significantly larger scale and with multinational clients.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm with significant French employee benefits practice serving mid-market and large enterprises. Overlaps in collective health and prévoyance but operates at broader scale across risk and capital.
• Aon: Global professional services firm with a major French insurance brokerage arm covering employee benefits, health, and retirement for mid-to-large enterprises. Competes in collective social protection but with multinational reach.
• AXA France: France's largest insurer offering collective health, prévoyance, and retirement products to businesses through direct sales and broker networks. Both a competitor (as a direct carrier channel) and a partner (as an underlying insurer APRIL Entreprise places business with).

Emerging players

• Alan: French digital-first health insurer offering direct health insurance products to SMEs and individuals. Represents the insurtech disruption to traditional brokerage — competes for the same French PME customer base but with a tech-native, direct-to-customer model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/april-entreprise

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 APRIL Entreprise