CAVP

Name

CAVP

Legal name

Caisse d'assurance vieillesse des pharmaciens

Website

https://cavp.fr

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels4 records

Marketing channels6 records

Core offering

CAVP (Caisse d'assurance vieillesse des pharmaciens) is the legally mandated pension and social protection fund for all French liberal pharmacists, officinal pharmacists, and medical biologists. It manages mandatory retirement pensions (base scheme, complementary by repartition, and complementary by capitalisation), invalidity-death insurance, social aid, and a subsidized installation financing fund (InterPharmaciens), with services delivered through an online member portal, telephone advisors, and in-person appointments.

Product overview

CAVP (Caisse d'assurance vieillesse des pharmaciens) is a professional retirement and social protection organization for French liberal pharmacists, managing mandatory pension schemes and social assistance. The organization operates a platform of online services centered on its personal account portal (Espace personnel), through which affiliated pharmacists can simulate retirement, manage contributions, request pensions, and book advisor appointments. CAVP's product portfolio includes: the complementary pension plan by capitalization (a collective capitalization scheme unique to pharmacists, created in 1962 with €7.2 billion in assets), the invalidity-death insurance regime, the InterPharmaciens fund for young pharmacist installation financing, and a social assistance fund. The organization also distributes educational publications including the annual Mémento Pharmacien libéral handbook and animated explainer videos (motion designs) on key retirement topics. All core services are accessible through the personal account platform, with no standalone commercial products or modules beyond these administrative and benefit management services.

Differentiator

Problem solved

Functional benefit

Brands

• InterPharmaciens: A dedicated fund created by CAVP to help young pharmacists, biologists, and pharmacy owners finance their professional installations through subsidized loans.

Products and services

• Espace personnel (Personal Member Account)

Quantifiable outcome

• 100% of retirements paid without error
• +3 more outcomes

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

13 partnerships are on record, tiered minor and core.

• Pierre & Vacances Center ParcsminorOthersCAVP has partnered with Pierre & Vacances Center Parcs to offer preferential offers on stays and rentals to its affiliated pharmacists. The partnership includes brands Adagio, Maeva, Adagio Access, Center Parcs, and Villages Nature.
• MILDISSminorOthersCAVP has a tourism partnership with MILDISS offering preferential rates on stays and rentals for affiliated pharmacists. Promotion code: CAVP1010.
• Odalys Vacances et Odalys Plein AirminorOthersCAVP has partnered with Odalys Vacances and Odalys Plein Air to provide preferential holiday offers to affiliated pharmacists.
• TernéliaminorOthersCAVP has a tourism partnership with Ternélia offering preferential rates on holiday accommodations for affiliated pharmacists.
• Caisse nationale d'assurance vieillesse des professions libérales (CNAVPL)coreOthersCAVP is one of ten professional sections of the CNAVPL, which federates all French liberal profession pension funds. CNAVPL manages the base retirement scheme on behalf of CAVP. Philippe Berthelot, President of CAVP, was elected President of CNAVPL in October 2024 and re-elected in January 2025.
• Fonds InterPharmacienscoreStrategic or Co-development PartnerCAVP created the InterPharmaciens fund to provide subordinated financing to young pharmacists for the acquisition of their pharmacy practice. The fund is managed by ESFIN Gestion, which instructs the files. Launched in February 2019, InterPharmaciens IV was launched in October 2023.
• ESFIN GestioncoreImplementation/ SI/ Consulting PartnerESFIN Gestion is the partner managing the InterPharmaciens fund on behalf of CAVP, instructing files for young pharmacists seeking installation financing. Contact: Alexandre Plechot ([email protected]).
• Info RetraitecoreTechnology or IntegrationCAVP participates in the national Info Retraite platform (www.info-retraite.fr), a unified portal allowing members to file retirement requests across all French pension funds simultaneously. CAVP also promotes the Mon compte retraite mobile application.
• Ordre national des pharmacienscoreOthersCAVP collaborates with the Ordre national des pharmaciens, including having two administrators elected by the CNOP on the CAVP Board. The two organisations also cooperate through the Commission d'entraide et de solidarité professionnelle du Conseil national de l'Ordre des pharmaciens.
• Association nationale des pharmaciens retraités (ANPR)minorOthersCAVP maintains a contact reference to the ANPR on its useful contacts page, as an association that federates retired pharmacists and defends their interests.
• UN-PRI (Principles for Responsible Investment)coreOthersCAVP signed the UN-PRI on 2 September 2019, committing to integrate environmental, social, and governance (ESG) considerations into its investment processes. Currently 88% of asset management companies working with CAVP are UN-PRI signatories, representing 97.9% of CAVP's assets under management delegated to external managers.
• Forum pour l'investissement responsable (FIR)minorOthersCAVP is a member of the FIR, a French multi-stakeholder association promoting socially responsible investment (ISR) and good practices in France and Europe.
• AmadeisminorOthersCAVP uses Amadeis for extra-financial ESG-Climat analysis of its investment portfolio, as part of its responsible investment reporting under Article 29.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• CAVAMAC (Caisse d'Assurance Vieillesse des Agents Mandataires d'Assurance et de Capitalisation): French pension fund for liberal insurance intermediaries, another CNAVPL section. Directly comparable as a profession-specific mandatory pension and social protection organisation with a similar administrative footprint to CAVP.
• CIPAV (Caisse Interprofessionnelle de Prévoyance et d'Assurance Vieillesse): Interprofessional French pension fund covering a long list of liberal professions not handled by dedicated sections. Comparable to CAVP in mandatory affiliation, base + complementary pension architecture and social protection scope.
• CARPIMKO (Caisse Autonome de Retraite et de Prévoyance des Infirmiers, Masseurs-Kinésithérapeutes, Pédicures-Podologues, Orthophonistes et Orthoptistes): French pension and welfare fund for liberal paramedics, also a CNAVPL section. Directly comparable in mandate, structure (base + complementary + invalidity-death + social aid) and member-governance model to CAVP.
• CARMF (Caisse Autonome de Retraite des Médecins de France): Mandatory autonomous pension and social protection fund for French liberal doctors, structured as one of the ten CNAVPL professional sections like CAVP. Directly comparable as a sister liberal-profession pension fund administering base, complementary, invalidity-death and social-aid benefits.
• CAVEC (Caisse d'Assurance Vieillesse des Experts-Comptables et des Commissaires aux Comptes): French pension and provident fund for chartered accountants and statutory auditors, organised as a CNAVPL section. Comparable to CAVP in member-driven governance, mandatory contribution regime, and complementary by-capitalisation component.
• CARCDSF (Caisse Autonome de Retraite des Chirurgiens-Dentistes et des Sages-Femmes): Mandatory pension fund for French liberal dental surgeons and midwives, operating under the same CNAVPL umbrella as CAVP. Comparable in scale, statutory mandate, and hybrid repartition/capitalisation model.
• CNBF (Caisse Nationale des Barreaux Français): Mandatory French pension, retirement and solidarity fund for liberal lawyers. Directly comparable to CAVP as a profession-specific liberal-profession pension fund within the CNAVPL architecture.

Broad incumbents

• CNAVPL (Caisse Nationale d'Assurance Vieillesse des Professions Libérales): National federation of the ten French liberal-profession pension sections, including CAVP. CNAVPL administers the base retirement scheme on behalf of CAVP and provides the institutional umbrella; comparable as the broader parent-like coordinating entity.
• Klesia: French group providing mandatory and supplementary pension, health, and social protection for liberal professions and corporate employees. Comparable to CAVP in serving healthcare and liberal-profession populations with retirement and prévoyance products, though operating under a different governance model.
• AGIRC-ARRCO: French mandatory complementary pension scheme covering all private-sector employees, jointly managed by employer and union federations. Comparable to CAVP as a large-scale French mandatory complementary pension vehicle, though broader in scope (entire private-sector workforce rather than one profession).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=GVi9ChSbwfA
• Xx.com/LaCAVP
• Facebookfacebook.com/LaCAVP
• LinkedInlinkedin.com/company/caisse-d-assurance-vieillesse-des-pharmaciens

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 CAVP