QualiRetraite

What QualiRetraite does

QualiRetraite is a French retirement advisory firm headquartered in Le Mans, operating across 20 physical offices in France. The company provides retirement strategy and career reconstruction services to individuals approaching retirement, business owners and self-employed professionals (dirigeants and TNS), employees and civil servants, and via a white-label B2B2C model to a network of more than 250 professional partners including accounting firms, wealth advisors (CGP), insurers, and lawyers. Each engagement averages approximately 70 hours of study and yields an average of 8 retirement optimization scenarios per client, with documented outcomes including €1M+ in pension recoveries in 2023 and a €1,034 average annual improvement per client.

The core offering is the Bilan Retraite Complet (Full Retirement Review), a 6-step proprietary methodology covering career reconstruction (approximately 600 documents over a 40-year career), rights verification, scenario development, in-person strategy presentation, and ongoing support through pension liquidation. The methodology reports detecting errors in 73-84% of career statements reviewed, addressing a well-documented opacity in the French retirement system. An online Diagnostic Retraite (8-question entry-point assessment) and a recurring Suivi Annuel subscription (€19.90-€34.90/month) provide funnel and retention mechanics, while the Aide à la Liquidation Retraite add-on covers the administrative phase of pension take-up.

Revenue is generated primarily through custom-quoted professional-services engagements (Bilan Retraite Complet, liquidation assistance) supplemented by subscription recurring revenue from annual follow-up services. Distribution combines direct advisor-led sales across the office network and a partner-channel referral network with two engagement models (Partenaire for referral-only, Distributeur for partner-led commercialization with QualiRetraite handling production). The company is affiliated with Groupe Uminii, a diversified group that also includes Factorielles (acquired by QualiRetraite in May 2024), Carnet de Retraite, and Previssima.

Name

QualiRetraite

Legal name

QualiRetraite

Website

https://qualiretraite.fr

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

QualiRetraite is a French retirement advisory firm providing career reconstruction and retirement strategy services to individuals, business owners, and over 250 accounting and wealth advisory partner firms, operating across 20 offices in France under Groupe Uminii.

Ownership category

akta.pro rank

Product category

Retirement Advisory Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retirement advisory services
• Pension optimization
• Career reconstruction
• Retirement planning
• Pension liquidation

Headquarters

HQ city

Le Mans

HQ country

France

HQ region

Europe

Offices19 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Complete Retirement Assessment (Bilan Retraite Complet): Comprehensive retirement planning service covering career reconstruction, strategy definition, regularization requests to pension funds, and ongoing support through pension liquidation. This is the core service with a 6-step process.
2. Annual Follow-up Service (Suivi Annuel): Recurring annual service updating retirement calculations, monitoring career developments, and adapting retirement strategies as legislation and personal circumstances evolve. Billed monthly at 19.90€-34.90€/month depending on prior service level.
3. Retirement Liquidation Assistance (Aide à la Retraite): Administrative support service for the actual retirement liquidation process, handling all communications with pension funds, document submissions, and error corrections through to first pension payment.
4. Retirement Diagnostic: Initial assessment service using 8 questions to understand career trajectory and measure retirement stakes, complementing analysis of career statements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

QualiRetraite provides personalized retirement advisory services for French individuals and business owners, centered on the Bilan Retraite Complet — a comprehensive career reconstruction and pension optimization engagement. Supporting services include a free Diagnostic Retraite (entry-point 8-question assessment), Aide à la Liquidation (administrative retirement filing), and Suivi Annuel (annual monitoring subscription at €19.90–€34.90/month). The firm also runs a white-label Partenaires program for accountants, wealth advisors, insurers, and lawyers.

Product overview

QualiRetraite is a French retirement advisory firm offering a portfolio of advisory and administrative services. The core offering is the Bilan Retraite Complet (Full Retirement Review), a 6-step service covering career reconstitution, rights verification, and strategy optimization, supplemented by a free Diagnostic Retraite entry-point assessment. Add-on modules include the Suivi Annuel (annual monitoring at €19.90–€34.90/month) and Aide à la Liquidation (liquidation support). The company serves three client segments under branded offerings: Retraite du Dirigeant & TNS (business owners and self-employed), Retraite des Salariés (employees, civil servants, expatriates), and Partenaires (white-label partnership for professional advisors). A professional-facing simulator (Offre pour les Pros) is also available. Educational content is delivered via La Quali Academy on YouTube and Webikeo webinars.

Differentiator

Problem solved

Functional benefit

Products and services

• Diagnostic Retraite Free entry-point assessment using 8 questions to understand the client's career and measure retirement stakes, combined with analysis of the client's career statement. Designed as the funnel for prospective individual clients (employees, civil servants, business owners) into QualiRetraite's paid advisory services.
• Bilan Retraite Complet

Quantifiable outcome

• Over 1 million euros recovered for clients in 2023 through error corrections and regularization
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• CogebscoreStrategic or Co-development Partner · 1 January 2023Cogebs is an accounting firm with over 1,800 clients that partnered with QualiRetraite in 2023 to add retirement planning services. Through the partnership, Cogebs has accompanied nearly 60 clients in the first year, positioning itself as a comprehensive advisor covering financial, strategic, and social dimensions including retirement strategy.
• QintenscoreStrategic or Co-development PartnerQintens is a Lyon-based accounting firm that partnered with QualiRetraite to offer retirement planning services to clients. The firm completed approximately 30 retirement missions in one year through the partnership, gaining credibility, trust, and technical results for clients. Qintens is part of the Groupe Uminii ecosystem.
• Thierry Delgutte (Expert-Comptable)minorChannel Partner/ Reseller/ DistributorExpert-comptable associated with an accounting firm, provides testimonial about developing a new recurring offer and client loyalty through the QualiRetraite partnership.
• Espace Innovations NetworkminorGTM or Marketing PartnerProfessional network through which Cogebs discovered QualiRetraite and initiated the partnership. The network connects accounting firms seeking to expand their service offerings.
• Groupe UminiicoreStrategic or Co-development PartnerParent group that owns QualiRetraite along with other retirement and financial advisory brands including Factorielles, Carnet de Retraite, and Previssima. The group provides an ecosystem for accounting and financial professionals to develop retirement and social protection services.
• PrevissimaminorOthersFinancial media and advisory brand, part of Groupe Uminii ecosystem. Mentioned as a trusted media partner with shared branding on footer of QualiRetraite website.
• FactoriellesminorOthersAdvisory services brand, part of Groupe Uminii ecosystem. Mentioned as a trusted partner with shared branding on footer of QualiRetraite website.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sapiendo: French retirement advisory platform providing personalized retirement simulations, career analysis and optimization. Closest direct competitor to QualiRetraite, serving a similar customer base (employees and business owners) with comparable B2B2C distribution via accountants and wealth advisors.
• Harvest: French fintech providing software solutions (including retirement simulation tools) to wealth advisors, accountants, and insurers. Competes with QualiRetraite's B2B2C offering by equipping partners with technology to perform retirement analyses in-house.

Broad incumbents

• Malakoff Humanis: Major French group managing complementary retirement, health, and social protection schemes. Offers retirement advisory services to businesses and individuals as part of a broader insurance/benefits portfolio — overlapping customer base but with product-driven (not pure advisory) model.
• AG2R La Mondiale: One of France's leading insurance and retirement groups, serving individuals and businesses with pension savings and advisory solutions. A broad incumbent with overlapping retirement planning services but distribution through tied insurance products rather than independent advisory.
• Klesia: French group specializing in social protection (retirement, health, prévoyance) for companies and employees. Comparable client base (HR departments, employees) and retirement advisory capabilities, but operates as a large institutional player rather than a pure independent advisor.
• Mercer: Global consulting firm providing retirement, health, and investment advisory to employers and individuals. Operates in France through Mercer France with comparable multi-regime expertise, though focused primarily on corporate/employer-sponsored plans rather than individual business owners.
• Willis Towers Watson (WTW): Global professional services firm with a large actuarial and retirement consulting practice serving French and multinational clients. Comparable expertise in pension calculations and retirement strategy, but positioned as enterprise consulting rather than individual advisory.
• SwissLife France: Major French life insurer and retirement savings provider with retirement advisory services embedded in its product distribution. Comparable customer segments (business owners, individuals) but competes via insurance products rather than independent advisory.
• Generali France: Leading French insurer with retirement savings and advisory offerings. Targets similar customer segments (particularly business owners and high-net-worth individuals) but through tied insurance products.

Others

• Previssima: French advisory brand within the Groupe Uminii ecosystem alongside QualiRetraite. A sister/affiliated brand focused on retirement information and advisory for social protection professionals — comparable target market but with different positioning (informational vs. personalized advisory).

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@qualiretraite7668
• Facebookfacebook.com/QualiRetraite
• LinkedInlinkedin.com/company/qualiretraite
• Instagraminstagram.com/qualiretraite_off
• Xx.com/QualiRetraite

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 QualiRetraite