Cavom

What Cavom does

CAVOM (Caisse d'Assurance Vieillesse des Officiers Ministériels, des Officiers Publics et des Compagnies Judiciaires) is a French social insurance organization — legally structured as an organisme de prévoyance sociale and institution de retraite complémentaire — that administers statutory pension and social protection coverage for three narrowly defined professional constituencies: officiers ministériels (including notaires and other ministerial legal officers), officiers publics, and personnel of compagnies judiciaires. Its regulatory framework was established by Decrees n°79-265 of 27 March 1979 (complementary retirement scheme) and n°81-755 of 3 August 1981 (invalidity-death / prévoyance scheme), and it operates under the oversight of the CNAVPL (Caisse Nationale d'Assurance Vieillesse des Professions Libérales) within the broader French social security system.

The organization administers two principal pension regimes — a base retirement regime (Régime de Base) and a complementary retirement regime (Régime Complémentaire) — together with reversion pensions, invalidity-death insurance (prévoyance), and cumul emploi-retraite arrangements. Members access their accounts via a secure online portal (portail.cavom.fr), supported by an institutional website (cavom.net) that publishes guides, regulatory updates, and news. The underlying technology stack is not proprietary: web infrastructure is hosted by Com6 and the institutional site is designed/maintained by Com6 Interactive. No in-house AI/ML, analytics, or proprietary platform components are described in source material.

CAVOM's revenue model is not commercial. Funding derives entirely from mandatory statutory contributions calculated on member income and professional category, as prescribed by French social security legislation. The organization has no outside shareholders, is not venture-backed, and is not publicly traded. It is not an investment target in the conventional PE/VC/M&A sense; it is a regulatory-mandated administrator with a captive affiliate base. As of the latest regulatory cycle (LFSS 2026), CAVOM is actively communicating parameter changes — including contribution-rate adjustments, retirement-age revisions, and revaluation of point service values — consistent with ordinary statutory operation rather than strategic repositioning.

Name

Cavom

Legal name

Caisse d'Assurance Vieillesse des Officiers Ministériels, des Officiers Publics et des Compagnies Judiciaires

Website

https://cavom.net

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

1–10 employees

Short description

CAVOM is a French statutory social security institution administering mandatory base and complementary retirement pensions, invalidity-death insurance, and reversion benefits for officiers ministériels, officiers publics, and judicial company personnel, under oversight of the CNAVPL.

Ownership category

akta.pro rank

Product category

Statutory Retirement and Social Insurance Administration

NAICS

Trusts, Estates, and Agency Accounts (52592), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311)

akta.pro industry

PRIMARYFSAAANAE

Estate Administration & Probate Services

Financial & Insurance/Asset & Wealth Management/Trust & Fiduciary Services (Trust Companies, Estate & Custody Trusts)

SECONDARYFSAEAKAD

Estate & Probate Administration Services

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Fiduciary, Trust & Estate Advisory

SECONDARYFSAIABAD

Variable Universal Life (VUL) Insurance

Financial & Insurance/Insurance — Life & Health/Whole & Universal Life Insurance

Keywords

• Retirement pension insurance
• Mandatory social security
• Complementary pension scheme
• Disability death insurance
• Professional affiliation contributions

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels2 records

Marketing channels3 records

Core offering

Cavom is the French statutory social security institution responsible for administering mandatory retirement insurance for officiers ministériels (ministerial officers, including notaries), officiers publics (public officers), and compagnies judiciaires (judicial companies). It manages both a base retirement regime (Régime de Base) and a complementary retirement regime (Régime Complémentaire), and additionally delivers disability-death insurance (Prévoyance/Invalidité-Décès) plus reversion pension benefits for surviving spouses. Members are affiliated by law and access services through a secure online portal.

Product overview

Cavom (Caisse d'Assurance Vieillesse des Officiers Ministériels, des Officiers Publics et des Compagnies Judiciaires) is a French social security institution providing retirement and pension services. The organization administers two main retirement regimes for its members: a base retirement regime (Régime de Base, RB) and a complementary retirement regime (Régime Complémentaire, RC), along with reversion pensions and provident/insurance services (Prévoyance). Members access their accounts and services through the secure online portal at portail.cavom.fr. The organization also provides guidance documents, forms, and informational resources about retirement rights, contributions, and reforms. No distinct branded products or modules were identified—the organization operates as a unified service provider for retirement insurance coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Régime de Base (Base Retirement Regime) Statutory base retirement pension scheme providing the foundational pension accumulation for affiliated officiers ministériels, officiers publics, and compagnie judiciaire personnel. Contribution rates are set by tranche-based calculations tied to declared professional income.
• Régime Complémentaire (Complementary Retirement Regime) Points-based complementary retirement scheme layered on top of the base regime, providing supplementary pension income for affiliated professionals. Service values of points are revised annually by decree.
• Prévoyance / Invalidité-Décès (Disability-Death Insurance) Mandatory disability and death insurance coverage (Prévoyance) for affiliated professionals, providing invalidity pensions and death benefits. The regime's contribution rates and service values are revised periodically, including adjustments effective January 2026.
• Pension de Réversion (Reversion Pension)

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered supporting.

• Com6supportingTechnology or IntegrationCom6 provides web hosting services for Cavom's digital infrastructure. The company (Siret: 349 752 071 00036) is located at 15, chemin des Hirondelles, ZAC du Paisy, 69570 Dardilly, France.
• Com6 InteractivesupportingTechnology or IntegrationCom6 Interactive designed and maintains the Cavom institutional website. The company (Siret: 478 952 708 00012) is located at 3, rue Antoine Lavoisier, 31130 Launaguet, France.
• SCS Ambition GroupsupportingTechnology or IntegrationSCS Ambition Group is listed as a co-responsible entity for data processing operations alongside CAVOM in the privacy policy framework.

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Klesia: Major French prévoyance and retirement services provider operating across multiple professional branches. Overlaps with Cavom in prévoyance and complementary pension administration for group/enterprise schemes.
• AGIRC-ARRCO: France's largest mandatory complementary retirement scheme covering private-sector employees. Broader in scope than Cavom but comparable in operating model (mandatory complementary pension + prévoyance).
• CNAVPL (Caisse Nationale d'Assurance Vieillesse des Professions Libérales): National coordinating body that oversees French liberal-profession retirement funds including Cavom. Comparable as the regulatory and coordination parent entity governing Cavom's operating framework.

Direct peers

• CAVP (Caisse d'Assurance Vieillesse des Pharmaciens): French mandatory retirement and prévoyance fund for pharmacists operating under identical statutory architecture as Cavom. Same regulator (CNAVPL), same multi-regime offering, and same captive professional membership structure.
• CNBF (Caisse Nationale des Barreaux Français): French mandatory retirement and prévoyance fund for lawyers (avocats), operating under the same CNAVPL umbrella and statutory model as Cavom. Directly comparable in structure, mandate, and member profile to Cavom's coverage of officiers ministériels and judicial professionals.
• CARMF (Caisse Autonome de Retraite des Médecins de France): Mandatory retirement and prévoyance fund for self-employed physicians in France, governed under the same liberal-profession social security framework as Cavom. Comparable in regulatory base, multi-regime offering (base + complementary + prévoyance), and CNAVPL oversight.
• CARCDSF (Caisse Autonome de Retraite des Chirurgiens-Dentistes et des Sages-Femmes): Mandatory retirement fund for dental surgeons and midwives in France, organized under the same statutory regime and CNAVPL umbrella as Cavom. Directly comparable in product structure (base + complémentaire + prévoyance).
• CARPIMKO: French mandatory pension and prévoyance fund for allied health liberal professions (nurses, physiotherapists, speech therapists, etc.). Operates the same statutory model with base, complementary, and disability-death regimes as Cavom.
• CNIEG (Caisse Nationale de Retraite des Industries Électriques et Gazières): Statutory French pension fund for employees in the electricity and gas industries, with a similar mandatory contribution-based retirement and prévoyance model to Cavom. Conceptually comparable as a special regime within the French social security system.
• CAVEC (Caisse d'Assurance Vieillesse des Experts-Conseils et des Courtiers en Assurances): Mandatory retirement and prévoyance fund for insurance intermediaries and expert consultants. Closely comparable to Cavom in that it covers a specific regulated liberal profession under the CNAVPL-managed statutory framework.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/cavom

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Cavom