Mutuelle des Douanes

What Mutuelle des Douanes does

Mutuelle des Douanes is a French mutual organization (mutuelle d'action sociale) founded on December 22, 1971 through the merger of two earlier customs mutuals — the Mutuelle générale (1949) and the Mutuelle douanière de France et d'Outre-Mer (1956). It is governed by Book III of the French Code de la Mutualité under its legal name "Mutuelle des Douanes Atlas" (SIRENE 775 676 158) and serves exclusively the French customs corporation (Douanes) — active officers, retired officers, customs school trainees, and their dependents. The organization covers 34,278 members and 41,973 protected persons across all of metropolitan France and the overseas departments (DROM), supported by 50 elected delegates to the Annual General Assembly and approximately 500 volunteer militants organized into 44 regional committees and two customs school committees (END La Rochelle, END Tourcoing). A 15-member Board of Directors (Conseil d'Administration) governs the mutual, with 7 members on the National Bureau; governance is democratic and rooted entirely within the customs community.

The mutual delivers a diversified portfolio of solidarity services: emergency financial aid and zero-interest social loans (in partnership with Banque Française Mutualiste), real estate and rental deposit guarantees (via MFPrécaution), over-indebtedness support (with Crésus Alsace), vacation aid and a 10% discount across approximately 30 Miléade resort villages, a member discount club (ClicShop, powered by HappyPal), prevention programs — retirement preparation, nutrition, AIDS awareness — held at its owned Domaine de la Sauldre property (operated as a Miléade village club), and dedicated student/trainee financial support. Technology consists of a public website (mutuelledesdouanes.fr), an authenticated member portal (Espace Adh\u00e9rent), online adhesion workflows, email newsletters (Le Lien) and a biannual dematerialized magazine (Le Mutualiste des Douanes); there is no proprietary software platform or AI capability. The salaried headquarters team in Paris (Le Belvéd\u00e8re, 19th arrondissement) is small (1-10 staff), reflecting a lean operating model where service delivery leans heavily on the volunteer militant network and partner institutions.

Revenue is generated almost entirely through a flat annual membership contribution of 36 euros per member (3 euros/month), with 34,278 members implying core subscription receipts of approximately 1.23M EUR annually; additional undisclosed income flows from partner commissions and Domaine de la Sauldre operations. The mutual transferred its health insurance and provident activities to MGEFI on January 1, 2008 to comply with EU separation requirements, refocusing exclusively on social and solidarity action. As of January 2026, adhesion has been opened to all customs officials regardless of their complementary health insurer, and the organization is adapting its positioning to the PSC (Protection Sociale Complémentaire) reform at MEFSIN under which ALAN has been selected as the new health insurance operator for active Ministry of Finance agents.

Name

Mutuelle des Douanes

Legal name

Mutuelle des Douanes Atlas

Website

https://mutuelledesdouanes.fr

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

1–10 employees

Short description

Mutuelle des Douanes is a French mutual providing social action and solidarity services exclusively to French customs officers and their families. For a 36 euros annual membership, it delivers financial aid, housing guarantees, vacation benefits, prevention programs, and a discount club.

Ownership category

akta.pro rank

Product category

Mutual Insurance and Social Welfare Services

NAICS

Social Assistance (624), Community Housing Services (62422), Services for the Elderly and Persons with Disabilities (62412)

SIC

Services-Social Services (8300), Services-Membership Organizations (8600)

akta.pro industry

PRIMARYBPAGAEAB

Housing Assistance & Homeless Services

Business & Public Services/Nonprofit, NGO & Social Services/Social Services & Community Support (Food, Housing, Family)

SECONDARYHLADAGAA

Personal Care & ADL Assistance (bathing, dressing, toileting, mobility)

Healthcare & Life Sciences/Elder Care & Long-Term Care/Non-Medical In-Home Care & Personal Care

SECONDARYHLADAAAB

Affordable/Subsidized Independent Living (HUD/LIHTC) Communities

Healthcare & Life Sciences/Elder Care & Long-Term Care/Independent Living Communities

Keywords

• Mutual insurance services
• Social welfare support
• Community solidarity programs
• Customs officer benefits
• Member assistance services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Annual Membership Contributions: Members pay an annual contribution of 36 euros per year (equivalent to 3 euros per month). This contribution is due for the entire calendar year regardless of the date of adhesion. This is the primary and only stated revenue stream for the organization.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Mutuelle des Douanes is a social action mutual that provides financial aids, housing guarantees, social loans, prevention programs, and vacation/leisure services exclusively to French customs officials (active and retired) and their families. Members pay an annual fee of 36 euros and gain access to a comprehensive range of solidarity services including health support, housing assistance, emergency financial aid, family support, student aid, senior care, and the ClicShop member discount club.

Product overview

Mutuelle des Douanes is a mutual insurance company exclusively dedicated to social and solidarity action for French customs officers (Douaniers) and their families. The organization operates as a single unified mutual entity offering multiple interconnected services including social action/aids, prevention programs, housing guarantees, social loans, vacation/leisure services, and a member discount club (ClicShop). The core value proposition centers on providing comprehensive support throughout life stages—from student years through retirement—across domains including health, family, housing, finances, and senior care. Services are delivered through a combination of internal management and partnerships with mutualist and institutional partners. The annual membership fee is 36 euros per year (3 euros per month).

Differentiator

Problem solved

Functional benefit

Brands

• ClicShop: Club avantage platform offering discounts on cinema, leisure, vacations, shows, museums, and retail gift cards for members

Products and services

• Action Solidaire (Social Action Services) Core mutualist social action service providing financial aids, emergency assistance, and support to customs officers and their families facing health issues, family challenges, housing problems, financial hardships, and life transitions. For customs officers (active and retired) and their families.
• ClicShop (Club Avantage) Member discount club offering preferential prices on cinema, leisure parks, vacations, museums, exhibitions, concerts, gift cards, and retail store deals for customs officers and their families. Free for adherents and customs officials, mutualist or not.
• Prévention (Prevention Services) Prevention programs including retirement preparation courses, healthy eating and exercise programs, children's prevention activities, and annual AIDS awareness sessions for customs school trainees.
• Caution Solidaire (Guarantee Services) Housing support services including real estate deposit guarantees and rental deposit guarantees, provided in partnership with MFPrécaution and Banque Française Mutualiste.
• Prêts à Caractère Social (Social Loans) Zero-interest or subsidized loans for customs officers provided in partnership with Banque Française Mutualiste, including emergency solidarity assistance for unexpected life difficulties.
• Loisirs Vacances (Leisure and Vacation Services) Vacation assistance and leisure services including vacation aid, reduced rates at Miléade resort network (approximately 30 destinations), and access to the Domaine de la Sauldre property owned by the mutual.

Quantifiable outcome

• 41,973 people covered (34,278 members + dependents)
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core and minor.

• Mutualité Française (FNMF)coreStrategic or Co-development PartnerThe Mutuelle des Douanes is part of the broader French mutualist movement and adheres to the Fédération Nationale de la Mutualité Française, which brings together 500 health mutuelles protecting 38 million people in France. This affiliation situates MDD within the largest mutualist federation in France.
• Mutualité Fonction Publique (MFP)coreStrategic or Co-development PartnerMDD is a member of the Mutualité Fonction Publique, a union comprising 23 mutuelles from the three public service functions (State, Territorial, Hospital). The MFP represents 5 million insured individuals and 7 million protected persons. This affiliation connects MDD to the mutualist ecosystem of the French public service.
• MGEFIcoreStrategic or Co-development PartnerMGEFI is a mutual health and provident insurance organization, backed by SGAM Matmut, specializing in the public service sector. Adherents of MGEFI enrolled in individual contracts are also members of the Mutuelle des Douanes through a double adhesion mechanism. MGEFI also provides membership data to MDD under a data-sharing agreement. From January 1, 2008, MDD transferred its complementary health and provident insurance activities to MGEFI.
• MFPrécautioncoreChannel Partner/ Reseller/ DistributorMFPrécaution manages real estate security deposits (caution immobilière) and rental security deposits (caution locative) on behalf of the Mutuelle des Douanes. This partnership allows MDD to offer housing support services without managing them in-house.
• MiléadecoreChannel Partner/ Reseller/ DistributorMiléade is MDD's vacation partner, offering approximately 30 vacation village destinations. MDD members benefit from a 10% discount on stays at all Miléade centers. MDD's Domaine de la Sauldre property is operated as a Miléade village club. Miléade arose from the merger of Cap'vacances and Vacanciel.
• Direction Générale des Douanes et Droits Indirects (DGDDI)coreStrategic or Co-development PartnerThe DGDDI entrusts MDD with the management of various aid and support programs open to the entire customs corporation. MDD also manages the envelope for exceptional support devices for restructured agents on behalf of the administration. Relations are governed by a 2007 arrêté and financial/convention agreements.
• Œuvre des Orphelins des Douanes (ODOD)minorStrategic or Co-development PartnerODOD provides financial relief to orphaned children of customs officers, supports children with disabilities, and organizes and subsidizes vacation stays and educational trips. In partnership with ODOD, MDD organizes prevention programs for children and adolescents participating in ODOD summer camps.
• Association Nationale Sportive des Douanes (ASND)minorStrategic or Co-development PartnerMDD supports ASND's national cross-country event, six-team tournament, senior trophy (held annually at Domaine de la Sauldre), and shooting competitions. These events bring together sportspeople, customs officers, and mutualists for camaraderie and solidarity.
• MFPrévoyanceminorChannel Partner/ Reseller/ DistributorMFPrévoyance provides borrower insurance services, listed as one of MDD's selected partners for carrying out services under the adhesion contract.
• Crésus AlsaceminorStrategic or Co-development PartnerCrésus Alsace provides over-indebtedness support and preventive budget management assistance. Listed as one of MDD's partners for carrying out solidarity services.
• BimpliminorChannel Partner/ Reseller/ DistributorBimpli provides 'comité d'entreprise' (works council) type services, listed as one of MDD's partners.
• CohabilisminorStrategic or Co-development PartnerCohabilis offers intergenerational housing services, listed as one of MDD's institutional partners for solidarity services.
• Association Française des AidantsminorStrategic or Co-development PartnerProvides support to caregivers (aidants), listed as one of MDD's institutional partners for solidarity services.
• SOS Psy Urgence and La VitaminorChannel Partner/ Reseller/ DistributorPsychological listening and follow-up services, listed as institutional partners providing support services to MDD members.
• FIAPA (Fédération Internationale des Associations de Personnes Âgées)minorStrategic or Co-development PartnerFIAPA participates in MDD's retirement preparation stage program. FIAPA advocates for the rights and interests of elderly persons.
• Ég'artminorStrategic or Co-development PartnerThe Ég'art association, managed by MFP Action Santé Social in partnership with Institut Mutualiste Montsouris, provides access to cultural and artistic circuits for people with talents in visual arts who face isolation or exclusion.
• HappyPalminorChannel Partner/ Reseller/ DistributorHappyPal powers the ClicShop advantage club platform, enabling MDD members to access preferential offers on cinema, leisure, and vacations throughout the year. The ClicShop-HappyPal platform provides discounted cinema tickets and promotional offers.

Scale indicators4 records

Recent moves9 records

Expansion highlights4 records

Broad incumbents

• Harmonie Mutuelle: One of the largest French mutuelles offering health, prevention, and social services across multiple populations. Comparable as a broad-based mutual operator with social action/prévention offerings.
• Mutualité Fonction Publique (MFP): Federation of 23 mutuelles covering 7M protected persons across the three French public service branches. MDD is a member, and MFP provides the umbrella structure for public service mutuals, making it a direct federation peer.
• Mutualité Française (FNMF): National federation of 500 French health mutuelles covering 38M people. MDD is affiliated; FNMF is the institutional umbrella for the broader mutualist movement in France.

Direct peers

• MGEN: Major French mutual serving the education public service with social action, health, and prevention services for a similarly structured public-sector population. Highly comparable as a public-service mutual with analogous solidarity/membership model.
• Intériale Mutuelle: Mutual serving the French Interior Ministry (police, gendarmerie, civil), offering health and social action services to public servants. Highly comparable in serving a single public-sector corporation with solidarity-based services.
• MGEFI: MGEFI is the sister mutual that took over MDD's complementary health and provident insurance activities in 2008 for the same Ministry of Finance/DGDDI population. It is the closest peer given identical ministry, overlapping member base, and data-sharing/adhesion partnership.

Others

• Crésus Alsace: Over-indebtedness support and preventive budget management association listed as an MDD partner for solidarity services. Comparable as a French nonprofit delivering social support services within the mutualist ecosystem.
• Miléade: Vacation village network operating 30+ destinations in partnership with MDD (and operating MDD's Domaine de la Sauldre). Ecosystem partner providing leisure/vacation services to the same mutual member base.
• MFPrécaution: Provides real estate and rental deposit guarantees on behalf of MDD members. Direct institutional partner delivering housing caution services, operating within the same mutualist ecosystem.
• Banque Française Mutualiste (BFM): Mutualist bank that provides MDD members with bonified social loans and housing advance services. Comparable as a core institutional partner operating in the same mutualist ecosystem with overlapping customs/public-service clientele.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mutuelledouanes
• LinkedInlinkedin.com/company/mutuelle-des-douanes

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 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 Mutuelle des Douanes