What CIBLEMUT does

CIBLEMUT is a French IT consulting and software company, founded in September 2009 in Biot (Alpes-Maritimes) as a SARL with €22,500 share capital, that builds and maintains a proprietary ERP suite called Mutcible for the management of health insurance mutuelles (mutual health funds) and their unions. The company exclusively targets the French mutual health insurance sector and has accumulated 15+ years of regulatory and operational expertise across DSN, SEPA, Noémie, RGPD, and DORA, with native EDI integrations into the four principal French health insurance networks — Actil, Almerys, Viamedis, and Cegedim.

The Mutcible suite is built on a legacy but well-maintained technology stack (Delphi/RAD Studio, PHP, JavaScript, MySQL, Oracle, ODBC, web services) and comprises a core ERP for member administration, contributions, benefits, and Social Security exchanges, extended by Mutcible Net (responsive web portal for members, groups, healthcare professionals and brokers), Mutcible Mobile (cross-platform mobile web app), Mutcible Connect (member/group/broker extranet), SqlCible (visual SQL query builder), Mutcible Cloud (Google Drive/OneDrive/Dropbox integration), Eclair (electronic signature and online payment extranet), and an autonomous online subscription module. Supporting offerings include managed hosting from a Toulouse data center with PCA/PRA business continuity, Datadock-certified training, consulting, WordPress plugin development via the click.ciblemut.net agency, and technical support via a Sitcom ticketing system.

CIBLEMUT operates on a sales-led, partnership-driven go-to-market focused on the French market, with revenue generated from software licensing (annual subscriptions, quote-based pricing tied to mutual size), professional services, Datadock-certified training, managed hosting, and custom development. The company serves named mutuelles and unions (UMCPG, ENTRAIN, MCN, MCCA, Amellis Mutuelles), brokers (Heaven Assurances), and corporate accounts (Luxottica, SIRTEME), operating with a small team of ~9 employees across offices in Biot, Sophia Antipolis/Valbonne, and a Toulouse data center.

Name

CIBLEMUT

Legal name

CIBLEMUT

Website

https://ciblemut.net

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

CIBLEMUT is a French IT consulting firm and software vendor that builds the proprietary Mutcible ERP suite for health insurance mutuelles, unions, brokers, and corporate employee health plans in France, with 15+ years of regulatory specialization.

Ownership category

akta.pro rank

Headquarters

HQ city

Biot

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Mutcible Software Licensing: Sale and licensing of the Mutcible mutual health insurance management software suite to mutual organizations and unions
2. Professional Services: Consulting, project management, system integration, and support services for mutual health insurance digital transformation
3. Training Services: Datadock-certified training organization providing training on Mutcible software, architecture, databases, and related technologies
4. Hosting and Infrastructure: Data center hosting services in Toulouse with disaster recovery (PCA) and business continuity (PRA) solutions
5. WordPress Plugins and Custom Development: Custom WordPress plugin development and web development services through click.ciblemut.net agency

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

CIBLEMUT develops and sells the Mutcible software suite, an ERP designed for French mutual health insurance organizations (mutuelles) that manages member administration, contributions, benefits, healthcare professional relations, and Social Security exchanges. The offering is complemented by web and mobile portals (Mutcible Net, Mutcible Mobile, Mutcible Connect), an SQL query tool (SqlCible), hosting services with business continuity/disaster recovery, electronic signature and online payment via the Eclair extranet, custom WordPress plugins, and consulting, training, and support services.

Product overview

CIBLEMUT offers a unified suite of software products designed specifically for health insurance mutuals. The core product is Mutcible, a comprehensive management ERP handling member administration, contributions, benefits, and social security exchanges. This core platform is extended through complementary modules including Mutcible Net (web portal for members and healthcare professionals), Mutcible Mobile (mobile application), Mutcible Connect (dedicated extranet for members/groups/brokers), and SqlCible (SQL query tool for data analysis). Additional offerings include hosting services with business continuity solutions, WordPress plugin development, and professional services including consulting, training, and support. The suite is designed to provide complete operational autonomy for mutual management while integrating with major health insurance networks and cloud services.

Differentiator

Problem solved

Functional benefit

Brands

• Mutcible: Core software suite for managing Mutual Health Funds - handles policyholders, contributions, benefits, relationships with healthcare professionals and social security. Includes EDI exchanges, DSN processing, electronic document management, and business intelligence modules.
• SqlCible
• Mutcible Net
• Mutcible Mobile
• MutcibleConnect
• Mutcible Net
• Plugins WordPress
• Hébergement
• Eclair
• click.ciblemut.net

Products and services

• Mutcible Core ERP for managing French health insurance mutuelles, handling member administration, contributions, benefits, relationships with healthcare professionals, and Social Security exchanges including EDI teletransmission with major health networks. Targeted at mutuelles and unions of mutuelles.
• Mutcible Net Responsive web portal providing members, groups, healthcare professionals, and brokers with secure access to claims, contracts, administrative data, and document exchange. Targeted at mutual members and brokers.

Quantifiable outcome

• Automated nightly EDI processing saves significant time for mutual administrators
• +3 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature9 records

Partnerships

Five partnerships are on record, tiered core and minor.

• ViamediscoreTechnology or IntegrationHealth insurance network integration for EDI tele-transmission of claims data with Mutcible software.
• AlmeryscoreTechnology or IntegrationHealth insurance network integration for EDI tele-transmission of claims data with Mutcible software.
• ActilcoreTechnology or IntegrationHealth insurance network integration for EDI tele-transmission of claims data with Mutcible software.
• CegedimcoreTechnology or IntegrationHealth insurance network integration for EDI tele-transmission of claims data with Mutcible software.
• click.ciblemut.netminorStrategic or Co-development PartnerIn-house web agency created in 2018 to help clients with internet positioning and digital tools.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Almerys: French health insurance third-party payer network that processes EDI exchanges between mutuelles and healthcare professionals. Listed as a 'Core' integration partner for Mutcible, Almerys is directly comparable because it serves the same mutuelle client base, holds similar regulatory expertise, and competes for the same wallet around claims processing and tele-transmission services.
• Actil: French health insurance network operator providing claims processing and third-party payment infrastructure for mutuelles. CIBLEMUT's product explicitly integrates with Actil for EDI exchanges, making it a directly comparable French mutuelle technology provider serving overlapping customer segments.
• Viamedis: French health insurance network operator providing EDI tele-transmission and third-party payment services to mutuelles and complementary health insurers. Directly comparable to CIBLEMUT's offering as both an integrated network (one of Mutcible's four EDI connectors) and an adjacent software/services provider in the same value chain.
• Carte Blanche Partenaires: French health insurance third-party payer network and complementary health services provider serving mutuelles, insurers, and brokers across France. Comparable to CIBLEMUT as a French mutuelle-facing technology platform with adjacent claims management and member services capabilities.

Broad incumbents

• Cegedim: Major French healthcare technology group offering insurance, mutuelle, and health IT solutions including its own suite of software for complementary health insurers. Cegedim is both a technology partner (one of the four EDI networks CIBLEMUT integrates with) and a competitor for larger mutuelle accounts, with significantly greater scale and a cloud-native product roadmap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/ciblemut

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 CIBLEMUT