Epsens
Epsens (Malakoff Humanis Épargne) is the French employee savings and retirement savings brand of Malakoff Humanis, offering a unified digital platform for PEE, PER Collectif, PERO, participation, intéressement, and value-sharing schemes to enterprises and employees in France.
- Company typePrivate
- Founded1969
- HeadquartersParis, France
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Epsens does
Epsens, operating commercially as Malakoff Humanis Épargne, is the employee savings and retirement savings brand of French social protection group Malakoff Humanis. The company delivers a unified digital platform that consolidates the full set of French PACTE-law savings vehicles into a single client interface: PEE (Plan d'Épargne Entreprise), PER Collectif (collective retirement savings plan), PERO (mandatory retirement savings plan), participation, intéressement, partage de la valeur (value sharing), and the CET bridge (passerelle CET). The platform serves two primary audiences — enterprises (dirigeants of PME/TPE) that need compliant administration of mandatory and voluntary savings schemes, and individual employees (salariés) who manage their accumulated savings and retirement funds.
The underlying technology is a customer-facing portal with role-segregated journeys for employees, enterprises, and partners, supplemented by content marketing (Le Mag Info, monthly Lettre Expertises), a LinkedIn presence, and a partner network for distribution. The brand is actively investing in thought leadership, including a co-published study with Cercle de l'Épargne on French collective savings perceptions and a corporate media campaign emphasizing clarity and transparency. The revenue model is subscription/recurring, generated through management fees on savings pools and administrative services — a model that aligns naturally with long-duration savings products and accumulated AUM.
Commercially, Epsens pursues a sales-led GTM with direct enterprise sales and partner-channel distribution, targeting both decision-makers (employers installing schemes) and end beneficiaries (employees enrolling and contributing). Pricing is not publicly disclosed. The company is wholly focused on the French market, with no public signals of geographic expansion. While the parent Malakoff Humanis is described as a major French social protection group, no published financial metrics — revenue, headcount, AUM, or funding — are available for the Epsens sub-brand.
Epsens firmographics
Firmographics- Name
- Epsens
- Legal name
- Malakoff Humanis Épargne
- Website
- https://epsens.com
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Epsens (Malakoff Humanis Épargne) is the French employee savings and retirement savings brand of Malakoff Humanis, offering a unified digital platform for PEE, PER Collectif, PERO, participation, intéressement, and value-sharing schemes to enterprises and employees in France.
- Ownership category
- akta.pro rank
Epsens industry classification
Industry- Product category
- Employee Savings and Retirement Management
- NAICS
- Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Benefits Administration (BPACAPAC)
- akta.pro secondary industries
- Benefits Administration & Total Rewards Outsourcing (BPACAKAE), Benefits Administration & Enrollment Support (BPAAAIAB)
Keywords
Where Epsens is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Markets served
Epsens business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Employee Savings Management: Malakoff Humanis Épargne manages employee savings schemes including PEE, PER Collectif, PERO, participation, intéressement, and value sharing arrangements. Revenue is generated through management fees on savings pools and administrative services.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Epsens product offering
Product offeringCore offering
Malakoff Humanis Épargne is a unified brand offering employee savings and retirement savings schemes under the PACTE law framework, including PEE (Plan d'Épargne Entreprise), PER Collectif, PERO, participation, intéressement, partage de la valeur, and passerelle CET. Revenue is generated through management fees on savings pools and administrative services for companies and their employees.
Product overview
Malakoff Humanis Épargne offers a unified platform for employee savings and retirement solutions. The core offering includes PEE (Plan d'Épargne Entreprise), PER Collectif, PERO, Participation, Intéressement, and value-sharing mechanisms under the PACTE law framework. These products work together to provide companies with comprehensive employee benefits tools while enabling employees to build savings with employer contributions and tax advantages.
Differentiator
Problem solved
Functional benefit
Products and services
- PEE (Plan d'Épargne Entreprise)
Companies that use Epsens
Customer profileSegments2 records
Ideal customer profiles2 records
Epsens technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Epsens partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Cercle de l'épargneminorCollaborative research partnership for studies on French collective savings behavior. Malakoff Humanis and Cercle de l'épargne conducted a study titled 'Les Français et l'épargne collective' exploring employee perceptions of collective savings products.
Scale indicators1 record
Recent moves4 records
Expansion highlights4 records
Epsens competitors and assessment
Company assessmentEmerging players
- Klesia: Klesia is a French social protection group focused on retirement, prévoyance, and employee benefits, with growing employee savings capabilities. Comparable as an emerging player in the same social-protection-adjacent savings space.
Broad incumbents
- BNP Paribas Épargne Salariale: BNP Paribas offers employee savings and retirement solutions as part of its broader retail and corporate banking franchise. Comparable as a large incumbent operating in the same French employee savings market with cross-product distribution power.
- AG2R La Mondiale: AG2R La Mondiale is a major French social protection group offering retirement, prévoyance, and employee savings solutions. Comparable as a peer social protection group with similar enterprise client base and PACTE-law offerings.
- SwissLife France: SwissLife France offers life insurance, retirement, and employee savings solutions as part of its broader insurance franchise. Comparable as a broad incumbent with PACTE-law product offerings for French enterprises.
- Société Générale - Employee Savings: Société Générale offers employee savings and retirement solutions through its banking network in France. Comparable as a broad incumbent with similar PACTE-law product offerings and enterprise distribution.
- Crédit Agricole Assurances: Crédit Agricole Assurances provides group savings, retirement, and employee benefits solutions through its extensive regional bank network. Comparable as a broad incumbent in French employee savings with distribution leverage across PME clients.
- AXA Épargne Salariale et Retraite: AXA offers group retirement and employee savings products as part of its broader life insurance and protection franchise in France. Comparable as a broad incumbent operating in the same PACTE-law savings market.
Direct peers
- Natixis Interépargne: Natixis Interépargne is one of the leading French employee savings providers, offering PEE, PERCO/PER Collectif, and associated services to enterprises of all sizes. Directly comparable as a major competitor in the same product category with similar enterprise customer base and recurring fee revenue model.
- Amundi Employee Savings: Amundi, part of Crédit Agricole group, is one of Europe's largest asset managers with a strong employee savings (PEE/PER) business serving French enterprises. Directly comparable in product offering and target enterprise segment.
- Epsens: Epsens is a French specialist in employee savings and retirement plans (PEE, PER Collectif, PERCO) serving enterprises across France. Directly comparable as a competitor offering the same PACTE-law savings schemes with similar PME/TPE and mid-market focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Epsens social profiles
Digital presenceEpsens financial estimates
Financial estimateRevenue estimate
Valuation estimate
Epsens leadership team
Management profileNumber of profiles
Epsens funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Epsens M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Epsens
What does Epsens do?
Malakoff Humanis Épargne is a unified brand offering employee savings and retirement savings schemes under the PACTE law framework, including PEE (Plan d'Épargne Entreprise), PER Collectif, PERO, participation, intéressement, partage de la valeur, and passerelle CET. Revenue is generated through management fees on savings pools and administrative services for companies and their employees.
Is Epsens a public or private company?
Epsens is a private company. It is classified as corporate owned and is currently operating.
When was Epsens founded?
Epsens was founded in 1969. It employs 51 to 100 people.
Where is Epsens based?
Epsens is headquartered in Paris, France, in the Europe region.
How does Epsens make money?
One revenue line is on record: employee Savings Management.
Who are Epsens's main competitors?
Klesia is listed as an emerging player. Broad incumbents are BNP Paribas Épargne Salariale, AG2R La Mondiale, SwissLife France, Société Générale - Employee Savings, Crédit Agricole Assurances and AXA Épargne Salariale et Retraite. Direct peers are Natixis Interépargne, Amundi Employee Savings and Epsens.
Does Epsens have an API?
No public API is recorded for Epsens.
What industry is Epsens in?
Epsens's product category is Employee Savings and Retirement Management. Its primary akta.pro industry code is BPACAPAC, Benefits Administration, with a secondary code of BPACAKAE, Benefits Administration & Total Rewards Outsourcing. Its NAICS code is 5251 and its SIC code is 6411.