Bien Prevoir

What Bien Prevoir does

Bien Prevoir operates in the French market as Eres Group, a specialist provider of employee savings (épargne salariale), retirement savings, and employee shareholding (actionnariat salarié) solutions. The company delivers a comprehensive product suite spanning enterprise plans (PEE, PER d'Entreprise, PER Obligatoire, Article 39) and individual savings envelopes (PER Individuel, Eres La Vie multi-support life insurance, CTO-PEA, Contrat de Capitalisation, Assurance Vie Luxembourgeoise), supported by a broad range of underlying supports including FCPE employee savings funds, ISR/solidarity, real estate (SCPI), structured products, and private equity. Its core technology is an open-architecture platform integrated with approximately 30 external asset management partners, and its integrated asset management subsidiary Eres Gestion provides over 60 FCPE funds and 18 discretionary management profiles. Insurance wrappers are provided by Swiss Life (PER) and Spirica (PER and Eres La Vie), and a digital SCPI platform (Eres Prime Immo) is co-developed with Primaliance.

Eres serves 31,000 enterprise clients (from SMEs to SBF120 / CAC Next 20 issuers) and 400,000 individual beneficiaries, with assets under administration of €8 billion as of 31/12/2025. Distribution follows a B2B2C model: a network of 7,000 wealth management professionals, expert-comptables, and authorized partners sells and services Eres products, supported by regional field experts and a digital partner extranet. The company monetizes primarily through recurring AUM-based management fees on corporate and individual savings plans, with supplementary revenue from partner enablement (Académie Eres: 200+ training sessions per year), digital tools (simulators, webinaires), and product placement. Founded in 2010 and led by co-founders Vincent Cudkowicz (CEO) and Jonathan Levy (President), Eres is headquartered in France and operates exclusively in the domestic market.

Name

Bien Prevoir

Legal name

ERES GROUP

Website

https://bienprevoir.fr

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Bien Prevoir (Eres Group) is a French specialist in employee savings, retirement planning, and employee shareholding, operating an open-architecture platform with €8B AUM, 31,000 corporate clients, 400,000 beneficiaries, and 7,000 distribution partners across France.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Assets Under Management Fees: Eres generates revenue through management fees on the 8 billion euros of assets under administration across employee savings plans (PEE, PER), retirement plans (PERECO, PERO, Article 39), and employee shareholding schemes.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Bien Prevoir provides financial investment products, wealth management advice, corporate cash solutions, and insurance services. The Paris-based private company, founded in 2008, operates an online financial services platform at bienprevoir.fr with 11-50 employees serving French individual and corporate clients.

Product overview

Eres Group operates as a comprehensive employee savings and retirement platform offering a unified portfolio of products across both corporate (épargne salariale) and individual (épargne personnelle) segments. The core offering centers on Plan d'Épargne Entreprise (PEE) and retirement plans (PER d'Entreprise, PER Obligatoire, Article 39) for businesses, alongside individual products including life insurance (Eres La Vie), PER Individuel, and Luxembourg-based insurance. The platform differentiates through open architecture, partnering with insurers Swiss Life and Spirica for PER products, and Spirica for life insurance. Eres Gestion, the integrated asset management subsidiary, provides over 60 employee savings funds (FCPE) across multi-management and open architecture, with 18 discretionary management profiles and ISR/solidarity fund options. The ecosystem includes educational services (Académie Eres with 200+ annual trainings) and digital tools (simulators, webinaires) for financial advisors. The company manages €8 billion in assets under management across 31,000 corporate clients and 400,000 beneficiaries.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial investment products Investment product offerings provided to clients of Bien Prevoir as part of its diversified financial services portfolio, accessible through the bienprevoir.fr online platform.
• Wealth management advice Personalized wealth management advisory services offered by Bien Prevoir to French individual and corporate clients, covering financial planning, asset allocation guidance, and portfolio strategy.
• Corporate cash solutions Cash management solutions designed for corporate clients of Bien Prevoir, supporting treasury operations, idle cash optimization, and short-term investment of corporate funds.
• Insurance services Insurance product offerings and related advisory services distributed by Bien Prevoir to its individual and corporate client base in France.

Quantifiable outcome

• 8 billion euros in assets under administration
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Swiss LifecoreStrategic or Co-development PartnerSwiss Life serves as an insurance partner for PER (Pension Retirement Savings) products offered by Eres. Eres leverages Swiss Life's insurance infrastructure to provide retirement savings plans to individual and enterprise clients.
• SpiricacoreStrategic or Co-development PartnerSpirica is the insurance partner for Eres's PER (individual and enterprise) and the multi-support life insurance product 'Eres La Vie'. Spirica provides the insurance wrapper for these savings and retirement products.
• PrimaliancecoreTechnology or IntegrationPartnership with Primaliance to power 'Eres Prime Immo', a digital platform enabling wealth management professionals to subscribe to SCPI (real estate investment fund) portfolios for their clients in a few clicks.
• Asset Management Partners (30+ sociétés de gestion)coreStrategic or Co-development PartnerEres Gestion has established partnerships with approximately 30 asset management companies to provide an open architecture model. This enables Eres to offer over 60 FCPE funds across various asset classes, themes, and investment styles - described as the widest financial range on the market.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• BNP Paribas Épargne Salariale: BNP Paribas's employee savings division offers PEE, PERCO, and profit-sharing products as part of its broader commercial banking franchise. It competes with Eres primarily through captive banking relationships with large corporates and offers bundled solutions that leverage the parent bank's distribution and balance sheet.
• SwissLife Assurance et Patrimoine: SwissLife France offers life insurance, PER, and employee savings products through its own advisor network. Notable as both a current Eres partner (insurance wrapper) and a competitor in the broader French retirement savings market.
• Amundi Épargne Salariale & Retraite: Amundi, Europe's largest asset manager, operates a dedicated employee savings and retirement business managing FCPE funds and PER products. It is comparable to Eres through its asset management depth and fund range, but operates at much greater scale as part of the Crédit Agricole group.
• Société Générale Épargne Salariale: Société Générale offers employee savings and retirement solutions through its banking network, including PEE, PERCO, and Article 39 products. It competes with Eres for corporate clients, leveraging its commercial banking franchise to bundle savings products with core banking services.
• Crédit Agricole Épargne Salariale: Crédit Agricole offers employee savings and retirement products through its regional bank network and via its asset management arm. Comparable to Eres in product scope but with a fundamentally different distribution model rooted in regional cooperative banking relationships.
• Federal Finance (Banque Populaire): Federal Finance is the asset management arm of Banque Populaire, offering employee savings and life insurance products including PER and Assurance Vie. Comparable to Eres in product mix but distributed through the Banque Populaire retail banking network rather than independent advisors.

Direct peers

• Primonial: Primonial is a French wealth management specialist offering life insurance, PER, and structured savings products distributed through wealth advisors. It overlaps with Eres in individual retirement and life insurance products (Assurance Vie, PER Individuel) and shares a similar partner-driven distribution model.
• Natixis Interépargne: Natixis Interépargne is the leading employee savings specialist in France, offering PEE, PERCO/PER, and profit-sharing products through a similar B2B2C distribution model. It is the most direct head-to-head competitor to Eres Group in French épargne salariale, with comparable open architecture fund offerings.

Emerging players

• Harvest: Harvest is a French fintech providing software and digital tools to wealth management professionals (CGP), including retirement planning and asset allocation solutions. It competes with Eres in the wealth advisor enablement layer, particularly through tools that overlap with Eres's simulator and partner portal offerings.
• Nalo: Nalo is a French online wealth management platform offering automated PER, Assurance Vie, and PEA products to individual savers. It competes with Eres's individual savings segment (PER Individuel, Assurance Vie) through a digital-first model targeting the same French retail investor base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubevimeo.com/user105456293
• LinkedInlinkedin.com/company/eres-group
• Xx.com/bienprevoirfr
• Facebookfacebook.com/bienprevoirfr-27302089624

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 Bien Prevoir