What CARD does

CARD is a French custom software development company operating as a SCOP (Société Coopérative et Participative), a worker cooperative in which all six collaborators are equity-bearing associates. Founded in 1996 and headquartered in Saint-Cannat (Bouches-du-Rhône), the firm has delivered bespoke business software for over 30 years to clients in French insurance expertise, medical expertise, industrial operations, and religious administration. Its portfolio combines vertical proprietary products — Médicard (medical expert office management, used by 200+ medical experts and insurers including MMA), GenX (IARD property-casualty expertise platform on a next-generation language with an exclusive database and integrated mail-merge engine), and Donare (donation management for the Archevêché d'Aix-en-Provence) — with custom-built industrial software for Nestlé Waters covering production flow control, truck and rail logistics, entry gates, and PLC integration at sites in France and Italy.

Technically, CARD's stack is anchored by an exclusive proprietary database and a modern development platform selected specifically for interoperability and technological autonomy, avoiding dependence on Microsoft Office for its mail-merge functionality. Products integrate with Google Calendar for scheduling and with Ciel Comptabilité Libérale for accounting export, and include built-in SMS modules, customizable Word document templates, and activity dashboards. A documented cadence of GenX version releases through 2022–2023 indicates sustained in-house R&D on the core platform.

Commercially, CARD runs a sales-led, direct-engagement go-to-market: personalized consulting, co-development against a client-validated cahier des charges, deployment with training, and ongoing maintenance and evolution services. Pricing is quote-based and not publicly disclosed; revenue streams are professional services for bespoke development supplemented by recurring maintenance on installed vertical products. The customer base is concentrated among a small number of large counterparties (MACIF, MMA, Nestlé Waters, Archevêché d'Aix-en-Provence, Pacifica, Eurexo), with geographic reach limited to France and, via Nestlé, Italy.

Name

CARD

Legal name

CARD

Website

https://card.fr

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Pélissanne

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Custom Software Development Services: Development of bespoke business software solutions tailored to specific client needs, including associated services such as data backups and SMS modules.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

CARD develops and publishes custom business software solutions tailored to specific client needs across insurance expertise, medical expertise, industrial, and religious organization sectors. Its proprietary product portfolio includes Médicard (medical expert management), GenX (IARD insurance expertise), Donare (donation management), and a custom industrial software suite for Nestlé Waters. CARD also delivers related services including data backups, SMS modules, and website design.

Product overview

CARD is a French software publisher specializing in custom business software development since 1996, organized as a SCOP (cooperative company). The company offers a portfolio of proprietary software products including Médicard (medical expert office management), GenX (IARD expertise management), and Donare (donation management for religious organizations), plus custom industrial software development for Nestlé Waters and website design services. The products serve insurance expertise, medical expertise, and industry sectors, with key clients including MACIF, MMA, and Nestlé Waters.

Differentiator

Problem solved

Functional benefit

Brands

• Médicard: Organization, productivity, communication and accounting tracking software for bodily injury expert offices, used by over 200 medical experts and insurers including MMA.
• GenX
• Donare

Products and services

• Médicard Expertise management software for medical expert offices (corporal damage/bodily injury expertise) used by over 200 expert doctors. Features dossier management, appointment scheduling with Google Calendar integration, accounting (invoicing, payment tracking), customizable Word document templates, embedded messaging, SMS reminders, and activity dashboards. Includes transfer capability to Ciel Comptabilité Libérale accounting software.
• GenX Expertise management software for IARD (Incendie, Accidents et Risques Divers) property-casualty insurance professions. Built with next-generation programming language and modern development platform, featuring an exclusive proprietary database for technological autonomy and an integrated powerful mail merge engine that does not require Microsoft Office.
• Donare Donation management server for religious organizations (parishes, archdioceses). Manages donor information (names, addresses, contact details, birth dates, professions), donation types (free, seminar, building), CRM functionality for donor communications, fiscal receipt generation, mass mail/advanced mailing filters, address normalization for postal savings, and donation tracking by parish, canton, and year.
• Industrial Software Suite Custom industrial software suite developed for Nestlé Waters covering production flow control, logistics visit management (truck and rail), entry gate terminal development, and field equipment integration (PLCs, scales, barriers) for sites in France and Italy.
• Website Design Services Custom internet website design service that creates a digital showcase to enable businesses to be present on modern communication networks. Part of CARD's web solutions offerings.

Quantifiable outcome

• More than 200 medical experts use Médicard for their daily case management
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Nestlé WaterscoreStrategic or Co-development PartnerCARD develops a suite of industrial software for Nestlé Waters covering production flow control, logistics visits (truck and rail), entry terminal development, and PLC equipment integration across Nestlé Waters sites in France and Italy.
• MMAcoreTechnology or IntegrationMMA insurance company uses CARD's Médicard software solution for medical expert case management and is also part of the TransMed dematerialization project for insurer-expert exchanges.
• MACIFcoreTechnology or IntegrationMACIF insurance company is a long-standing client in the insurance expertise sector, using CARD's software solutions.
• Archevêché d'Aix-en-ProvencecoreStrategic or Co-development PartnerCARD serves as technical provider and consultant for the Archdiocese of Aix-en-Provence, developing Donare donation management solution and an online directory system. Long-standing partnership.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Cegid: Major French cloud and vertical SaaS publisher serving SMEs and mid-market firms across HR, finance, retail, and industry. Comparable to CARD as a French vertical software publisher, though Cegid operates at vastly greater scale and breadth.
• Capgemini: Global French-headquartered IT services and consulting giant serving large enterprises across industries. Comparable to CARD in custom software delivery to large enterprises (e.g., Nestlé Waters), but operates globally at vastly different scale.
• Cegedim: French healthcare and insurance technology company providing software, data, and services to insurers, physicians, and pharmacies. Directly comparable to CARD's medical expertise (Médicard) and insurance expertise (GenX) verticals, though at much larger scale and with broader product breadth.
• Sopra Steria: Large French IT services and software company serving European banks, insurers, and public sector. Comparable to CARD in addressing French insurance clients (MACIF, MMA) with software solutions, though at enterprise scale.
• Sword Group: French vertical software and IT services firm with strong insurance software heritage. Comparable to CARD's insurance expertise focus (GenX), though Sword serves global markets and is many times larger.

Direct peers

• Neurones: French IT services and infrastructure firm with custom application development capabilities serving enterprise clients. Comparable to CARD's custom industrial and enterprise software delivery model, though at significantly larger scale.
• Hardis Group: French digital services company and software publisher serving supply chain, logistics, and insurance verticals with both custom development and packaged products. Comparable to CARD's mix of custom industrial software (Nestlé Waters) and vertical product software (Médicard, GenX).
• Infologic: French software publisher focused on vertical ERP and traceability solutions for agri-food and specialised industries. Comparable to CARD as a similarly-sized French niche vertical software publisher with deep domain expertise and bespoke customisation.
• Proginov: French mid-market ERP and vertical software publisher serving small and mid-sized businesses across multiple industries. Comparable to CARD's vertical product approach and custom development model in the French SME market.
• Smile (by Open): French digital services and open-source software publisher building bespoke web, mobile, and business applications. Comparable to CARD as a French custom software developer delivering tailored business solutions across diverse verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 CARD