Epsens

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.

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

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

• Employee savings plans
• Retirement savings schemes
• Profit sharing plans
• Collective savings management
• PACTE law compliance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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

Core 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)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Cercle de l'épargneminorStrategic or Co-development PartnerCollaborative 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

Emerging 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

• LinkedInlinkedin.com/company/epsens
• Facebookfacebook.com/100065717040373

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 Epsens