Carpimko

What Carpimko does

Carpimko is a French mandatory social security organism (organisme de droit privé chargé d'une mission de service public) that manages retirement and social protection coverage for five categories of liberal paramedical professionals: nurses (infirmiers), physiotherapists (masseurs-kinésithérapeutes), podiatrists (pédicures-podologues), speech therapists (orthophonistes), and orthoptists (orthoptistes). Operating within the CNAVPL (Caisse Nationale d'Assurance Vieillesse des Professions Libérales) framework and founded through progressive legislation beginning in 1948-1949, the organization administers a base retirement regime, a complementary retirement regime established in 1956 and unified in 1984, the ASV (Avantage Social Vieillesse) regime, and an invalidity-death coverage regime added in 1968.

The organization's product surface centers on the Espace Personnel digital member portal, which integrates income declaration processing, contribution payment, retirement applications, attestation downloads, and beneficiary management. The portal is supported by FranceConnect-based identity verification, the Matomo analytics platform, and accessibility services (Acceo) for deaf and hard-of-hearing members. Additional products include a contribution simulator, retirement planning services, survivor pensions (pension de réversion), and the Fonds d'Action Sociale emergency assistance program.

Carpimko's revenue model is defined by French social security legislation rather than commercial pricing. Mandatory contributions are calculated as percentages of declared professional income across multiple tiers, with contributions collected via URSSAF and transmitted automatically to DGFIP. The 2025 disability-death flat contribution is set at €1,022, frozen for 2026, while base-regime and complementary-regime ceilings sit at €235,500 and €237,179 respectively. The organization is governed by a 22-member Board of Directors elected across six colleges, with day-to-day management led by Directrice Muriel Muller de Tannegg and chaired by Stéphane Beulay, supported by an organizational headcount of approximately 155 staff across specialized functions.

Name

Carpimko

Legal name

Caisse autonome de retraite et de prévoyance des infirmiers, masseurs-kinésithérapeutes, pédicures-podologues, orthophonistes et orthoptistes

Website

https://carpimko.com

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

51–100 employees

Short description

Carpimko is a French mandatory social security fund that manages retirement, disability-death, and social protection coverage for five liberal paramedical professions — nurses, physiotherapists, podiatrists, speech therapists, and orthoptists — operating within the CNAVPL framework through a digital member portal and traditional service channels.

Ownership category

akta.pro rank

Product category

Paramedical Pension & Provident Fund

NAICS

Pension Funds (525110)

SIC

Life Insurance (6311)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Paraprofessional pension fund
• Mandatory social contributions
• Retirement insurance
• Disability-death coverage
• Social protection services

Headquarters

HQ city

Guyancourt

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mandatory Social Contributions: Carpimko collects mandatory social contributions from affiliated paramedical professionals (nurses, physiotherapists, podiatrists, speech therapists, orthoptists). Contributions are calculated based on declared professional income and include: base retirement regime, complementary retirement, ASV (social advantage for aging), and disability-death coverage. Revenue is collected through income declarations processed via URSSAF.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Carpimko is a French mandatory social security fund that manages retirement pensions (base, complementary, and ASV regimes), disability-death insurance, survivor pensions, and social action assistance for five liberal paramedical professions: nurses, physiotherapists, podiatrists, speech therapists, and orthoptists. Affiliated professionals are required by law to contribute a percentage of their declared professional income in exchange for coverage, with services administered via the Espace Personnel member portal, telephone support, and in-person appointments.

Product overview

Carpimko operates as a unified platform combining pension management, social protection, and member services for five paramedical professions. The core product is the Espace Personnel (Personal Space) member portal, which provides integrated access to contribution management, retirement planning, disability-death insurance, and various attestations. Supporting products include the Cotisation Simulator for estimating future contributions, dedicated Invalidité-Décès and Complementary Retirement regimes, survivor pension services, and the Action Sociale fund for emergency assistance. The platform architecture centers on a web-based member portal complemented by telephone support and accessibility services.

Differentiator

Problem solved

Functional benefit

Products and services

• Espace Personnel (Member Portal) Secure web-based member portal providing affiliates, retirees, and beneficiaries access to documents, certified attestations, contribution management, retirement applications, work stoppage declarations, payment schedules, and profile updates.
• Cotisation Simulator

Quantifiable outcome

• 1.92% pension increase for Complementary Retirement regime effective January 2025
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature1 record

Partnerships

Five partnerships are on record, tiered core.

• CNAVPL (Caisse Nationale d'Assurance Vieillesse des Professions Libérales)coreOthersParent national organization of which Carpimko is one of ten professional sections. CNAVPL coordinates the autonomous retirement system for liberal professions in France. Carpimko manages the base retirement regime on behalf of CNAVPL.
• URSSAFcoreOthersCollects social contributions from independent workers. Income declarations are transmitted automatically to URSSAF for calculation of social contributions, and to DGFIP for income tax purposes.
• CPAM (Caisse Primaire d'Assurance Maladie)coreOthersHandles daily sickness benefits (indemnités journalières) for the first 90 days of work stoppage for liberal professionals. Carpimko takes over for stops exceeding 90 days through its invalidity-death regime.
• Info-RetraitecoreOthersNational inter-regime retirement information portal. Carpimko redirects members to Info-Retraite for career statements, retirement simulations, and retirement applications through the unified system.
• FranceConnectcoreTechnology or IntegrationState-provided identity verification solution allowing secure login to Carpimko services using credentials from participating government services (Impots, Ameli, La Poste, etc.).

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• CARMF (Caisse Autonome de Retraite des Médecins de France): Mandatory autonomous retirement and provident fund for French physicians. Operates under identical CNAVPL architecture with the same legal status (organisme de droit privé chargé d'une mission de service public) and product mix (base + complementary + ASV + invalidity-death), but serves the medical profession.
• CARPV (Caisse Autonome de Retraite et de Prévoyance des Vétérinaires): Autonomous CNAVPL pension and provident fund for French veterinarians. Direct structural peer — same legal form, same multi-regime offering (base, complementary, invalidity-death), same digital self-service member portal model, same elected governance approach.
• CIPAV (Caisse Interprofessionnelle de Prévoyance et d'Assurance Vieillesse): CNAVPL section historically covering a wide range of liberal professions not assigned to dedicated sections. Same regulatory perimeter, same base+complementary+prévoyance structure, currently undergoing reforms that are reshaping its scope — directly relevant to understanding regulatory risk for Carpimko.
• CAVP (Caisse d'Assurance Vieillesse des Pharmaciens): Mandatory retirement and welfare fund for French pharmacists, structured under the same CNAVPL autonomous-section framework. Comparable product portfolio (base, complementary, prévoyance) and member-facing digital infrastructure for self-service pension administration.
• CNBF (Caisse Nationale des Barreaux Français): Mandatory retirement fund for French lawyers (avocats). Another autonomous section under the broader French liberal-professions coordination, with comparable base + complementary retirement regimes and member governance structure.
• CARCDSF (Caisse Autonome de Retraite des Chirurgiens-Dentistes et Sages-Femmes): CNAVPL section serving dental surgeons and midwives in France. Same structural model, regulatory framework, and benefit architecture as Carpimko, including mandatory affiliation, elected peer governance, and the four-regime structure (base, complementary, ASV, prévoyance).
• ENIM (Établissement National des Invalides de la Marine): French mandatory social security scheme for seafarers, covering retirement, prévoyance, and health. Comparable autonomous fund structure with mandatory affiliation and integrated benefit stack, useful benchmark for non-CNAVPL mandatory organism governance.

Broad incumbents

• Malakoff Humanis: Major French group providing retirement, prévoyance, santé, and épargne across corporate and individual markets. A broad incumbent operating the same product categories as Carpimko (retirement, disability, death) but as a commercial provider serving private-sector employers, useful for understanding competitive retirement administration capabilities outside the mandatory regime.
• Agirc-Arrco: The dominant mandatory complementary retirement scheme for all French private-sector employees. Operates at far greater scale (millions of contributors, tens of billions of AUM) under a federated structure; relevant benchmark for retirement operations, digital self-service scale, and post-reform governance models.
• CNAVPL (Caisse Nationale d'Assurance Vieillesse des Professions Libérales): National coordinating body of which Carpimko is one of ten professional sections. CNAVPL manages inter-regime coordination, common base regime oversight, and represents liberal professions vis-à-vis the state — the parent/umbrella structure against which Carpimko's autonomy is defined.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/carpimko

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Carpimko