BETTER FINANCE
BETTER FINANCE is the European federation of investors and financial services users, a Brussels-based non-profit that advocates for retail savers and individual investors across 27 EU and EFTA member states through research, policy positions, and regulatory consultation engagement.
- Company typePrivate
- Founded2009
- HeadquartersBrussels, Belgium
- Headcount1–10
- GTM typeB2B
- OfferingServices
What BETTER FINANCE does
BETTER FINANCE is a Belgian non-profit federation (ASBL under Belgian law) founded in 2009 in response to the financial crisis, headquartered at Rue d'Arenberg 44, Brussels. Registered in the EU Joint Transparency Register under number 24633926420-79, it operates as the only European federation dedicated exclusively to advocating for the rights and interests of individual investors, retail savers, and financial services users across 27 EU member states and EFTA countries. The organization is structured around three sub-brands — Euroshareholders (shareholders), EuroInvestors (non-shareholder investors), and EuroFinUse (general financial services users) — and is governed by a Board of Directors with full members holding voting rights.
Its core outputs are policy and research artefacts rather than software products: research reports (including an annual Pension Adequacy Report tracking real returns over holding periods up to 24 years), formal policy positions, consultation responses to ESMA, EIOPA, EBA, IOSCO, and the European Commission, public letters, investor education materials, and campaigns such as 'Invest for Better Climate EU' and Collective Redress. The cumulative library comprises 277 consultations, 92 position papers, 90 research papers, and 287 press releases. Distribution is digital-first through betterfinance.eu, a Substack newsletter, and active profiles on X, LinkedIn, Facebook, Instagram, and YouTube, with event amplification through conferences including the Reykjavík tax-and-savers conference and European Retirement Week.
Revenue mechanics are those of a membership-based federation: capped annual membership fees from full member organizations (maximum 100,000 EUR per full member, set by the Board annually), partial co-funding from the European Union, Iceland, and Liechtenstein (since 2012), and supplementary income from subsidies, gifts, and donations as defined in Article 19 of the bylaws. Key member organizations include FAIDER and ANCRE (France) and DSW (Germany); institutional partners include FESE, EFPA, ESMA, IOSCO, and BrokerChooser. Leadership comprises Founder and President Guillaume Prache, Managing Director Aleksandra Mączyńska, Research & Policy Officer Martin Molko, and Chief Communications Officer Arnaud Houdmont.
BETTER FINANCE firmographics
Firmographics- Name
- BETTER FINANCE
- Legal name
- BETTER FINANCE ASBL
- Website
- https://betterfinance.eu
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BETTER FINANCE is the European federation of investors and financial services users, a Brussels-based non-profit that advocates for retail savers and individual investors across 27 EU and EFTA member states through research, policy positions, and regulatory consultation engagement.
- Ownership category
- akta.pro rank
Where BETTER FINANCE is headquartered
LocationHeadquarters
- HQ city
- Brussels
- HQ country
- Belgium
- HQ region
- Europe
Offices1 record
Markets served
BETTER FINANCE business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Member Organization Fees: BETTER FINANCE operates as an ASBL (not-for-profit association) with membership fees paid by affiliated national organizations pursuing similar objectives of representing financial services users. The amount of membership fee is set annually by the Board of Directors and must be paid before June 1st each year, with the amount not exceeding one hundred thousand euros for any full member.
- EU and EFTA Funding: Since 2012, BETTER FINANCE activities have been partly funded by the European Union, Iceland and Liechtenstein, to enhance the involvement of financial services users in EU policymaking in the area of financial services. The organization is registered in the EU Joint Transparency Register under registration number 24633926420-79.
- Subsidies, Gifts and Donations: Per the organization bylaws (Article 19), the resources of the Association come from fees from members, subsidies, gifts and donations, and income from accessory activities to the principal not for profit activity.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
BETTER FINANCE product offering
Product offeringCore offering
BETTER FINANCE is a Brussels-based European non-profit federation (ASBL) founded in 2009 that represents individual investors, retail savers, pension savers, and financial services users in EU policy discussions. It sells federation membership to independent national non-profit organizations and delivers advocacy through policy research reports, position papers, consultation responses, public letters, and investor education campaigns. The organization also operates the EuroVote platform through its EuroShareholders sub-brand to represent individual shareholders in EU corporate governance.
Product overview
BETTER FINANCE is a European federation of investors and financial services users that operates as a policy advocacy and research organization rather than a product company. The organization offers a portfolio of research publications (including annual pension adequacy reports), policy positions, consultation responses to EU regulators, and investor education initiatives. Key publications include research on neobrokers, sustainable finance, capital markets union, and shareholder rights. The organization also runs advocacy campaigns such as 'Invest for Better Climate EU' and maintains the EuroVote platform for shareholder representation. Communication products include newsletters and press releases. There are no software products, applications, or technical platforms being offered.
Differentiator
Problem solved
Functional benefit
Brands
- EuroShareholders: Represents the interest of individual shareholders and seeks to improve corporate governance in the European Union through the EuroVote platform.
- EuroInvestors
- EuroFinUse
Products and services
- Federation Membership Annual paid membership available to independent non-profit organisations across the EU and EFTA that share the mission of representing financial services users. Full membership requires a two-thirds majority approval by the General Assembly, with annual fees set by the Board of Directors and capped at 100,000 EUR per full member. Members receive EU-level policy representation, access to research and position papers, and inclusion in joint advocacy initiatives.
- EuroVote Platform Platform operated under the EuroShareholders sub-brand to represent individual shareholders and improve corporate governance in the European Union.
Quantifiable outcome
- Research identified 67 fraudulent entities generating 1.3 million search impressions targeting EU citizens, informing policy recommendations for combating online investment fraud
- +1 more outcomes
Companies that use BETTER FINANCE
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles2 records
BETTER FINANCE technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
BETTER FINANCE partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and supporting.
- FESE (Federation of European Stock Exchanges)coreBETTER FINANCE and FESE co-organize conferences and issue joint statements on capital markets policy. Notable collaborations include the conference 'Turning Savings into Long-Term Growth: The Role of Capital Markets' during European Retirement Week 2025, and a joint statement on making EU capital markets deeper and more attractive addressing market structure, transparency, and retail investor access.
- EFPA (European Financial Planning Association)coreBETTER FINANCE and EFPA jointly produce investor education content including the video 'Invest Today, Secure Tomorrow' addressing financial advice in the digital age. The collaboration also produces the annual 'Financial Health of Europeans' report examining the financial well-being of European households.
- DSW (Deutsche Schutzvereinigung für Wertpapierbesitz)coreDSW, the German shareholder association, collaborates with BETTER FINANCE on research papers including 'When Companies Leave the Market: Strengthening Investor Protection in Europe's Delisting Landscape'. DSW also co-organizes AGM-related initiatives with BETTER FINANCE supporting in-person or hybrid shareholder meetings in Germany.
- IOSCO (International Organization of Securities Commissions)coreBETTER FINANCE participates in World Investor Week, an IOSCO-organized global campaign to promote financial literacy and investor protection. The organization also submitted consultation responses to IOSCO on neobroker regulation, contributing to international standard-setting for retail investor protection.
- ESMA (European Securities and Markets Authority)coreBETTER FINANCE engages with ESMA through consultation responses on market structure, MiFID II/MiFIR, and other securities regulations. The organization participates in ESMA Securities and Markets Stakeholder Group activities and contributes to policy discussions on investor protection and market integrity.
- BrokerChoosersupportingBETTER FINANCE supports findings of the BrokerChooser report 'Unmasking Digital Deception: A Data-Driven Approach to Mapping and Combating Online Investment Fraud in Europe.' The collaboration identifies fraudulent entities generating 1.3 million search impressions in Europe and advocates for integrating regulatory warnings into search results.
- State of Hessen Representation to the EUsupportingThe Representation of the State of Hessen to the EU generously hosted BETTER FINANCE's conference 'From Fraud to Accountability: Tackling Financial Crime Across Europe' in December 2025, providing venue support for dialogue among policymakers, regulators, law enforcement authorities, and civil society.
- FAIDER (Fédération des Associations Indépendantes de Défense des Épargnants pour la Retraite)coreFAIDER is BETTER FINANCE's member organization in France, represented in the advisory bodies of the French Ministry of Finance and ACPR. BETTER FINANCE President Guillaume Prache serves as President of FAIDER, ensuring French savers' voices are present in policy discussions at both national and European levels.
- ANCRE (Alliance Nationale des Consommateurs pour la Retraite et l'Épargne)supportingANCRE is BETTER FINANCE's member organization in France representing consumers in pension and savings matters. ANCRE's Managing Director Ms. Bastide-Calori was appointed to the AMF Advisory Committee representing FAIDER, continuing the representation of French savers in regulatory governance.
- Transparency Task ForcesupportingAndy Agathangelou, Founder of the Transparency Task Force, participated as a panelist in BETTER FINANCE's conference on financial crime, bringing expertise on investment fraud and fairer financial services from the UK perspective.
- RevolutsupportingOleksandra Maksymenko, EU Government Affairs Manager at Revolut, participated in BETTER FINANCE's financial crime conference, providing the perspective of a digital financial services provider on fraud prevention and consumer protection.
- World Gold CouncilsupportingDominic Raab delivered a keynote address on behalf of the World Gold Council at BETTER FINANCE's financial crime conference, presenting findings on illicit finance in artisanal and small-scale gold mining and connecting this to investor protection challenges.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
BETTER FINANCE competitors and assessment
Company assessmentDirect peers
- Better Markets: U.S. non-profit advocating for stronger financial regulation, transparency, and consumer protection. Closest Anglo-American analog to BETTER FINANCE: independent from industry, research-driven, focused on investor/consumer protection, with formal engagement with U.S. regulators (SEC, CFTC) — analogous to BETTER FINANCE's ESMA/EIOPA engagement.
- Finance Watch: Brussels-based independent citizens' advocacy organization focused on financial regulation and reform. Highly comparable to BETTER FINANCE: same Brussels base, same EU regulatory engagement model, same mission of representing public/retail interests against financial industry influence, same reliance on EU and member funding.
- BEUC – The European Consumer Organisation: Brussels-based federation of 46 independent national consumer organizations covering all EU member states plus others. Directly comparable structure (membership federation of national NGOs), same EU Transparency Register footprint, and overlapping agenda on retail financial services, consumer protection, and product transparency.
- ShareAction: UK-based non-profit mobilizing responsible investment and shareholder advocacy. Comparable operating model: NGO advocacy, retail investor focus, research-driven policy positions, engagement with regulators and listed companies, and overlap with BETTER FINANCE on sustainable finance and shareholder rights.
Regional players
- European Fund and Asset Management Association (EFAMA): Brussels-based industry association representing the European investment management industry. Comparable as an EU-level financial services federation, but represents industry (asset managers) rather than retail investors — a structural counterparty to BETTER FINANCE in policy debates on PRIIPs, ELTIFs, and distribution rules.
- World Federation of Investors (WFI): Global federation of national investor associations. Operates a similar membership-of-NGOs model to BETTER FINANCE but at a global rather than EU-specific level; provides a useful peer for cross-border investor advocacy and a potential partner for international positioning.
- European Banking Federation (EBF): Brussels-based federation of 32 national banking associations representing Europe's banking sector. Comparable as a Brussels-based consortium of national financial services organizations, but represents the industry side counter to BETTER FINANCE on consumer credit, mortgage, and retail banking regulation.
Others
- European Consumer Organisation for Standards (ANEC): Brussels-based non-profit advocating for consumer interests in European and international standardization. Comparable in structure (consortium of national NGOs, EU-funded, Brussels-based, technical expertise-driven), and operates in adjacent policy territory on financial services standards and product transparency.
- EuroShareholders: Listed as a sub-brand of BETTER FINANCE representing individual shareholders and operating the EuroVote platform. Included as a peer for context; functionally an internal program rather than an independent peer, but useful for mapping the shareholder-rights sub-ecosystem.
- European Insurance and Occupational Pensions Authority (EIOPA) Stakeholder Group members: Consumer and pensioner representative bodies holding formal seats on EIOPA's Insurance and Occupational Pensions Stakeholder Group. Comparable to BETTER FINANCE as fellow consumer-side stakeholders in EU financial policy, though operating through direct regulator appointments rather than a federation model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights8 records
Customer concentration
BETTER FINANCE social profiles
Digital presenceBETTER FINANCE compliance and trust
Trust signalCompliance2 records
BETTER FINANCE financial estimates
Financial estimateRevenue estimate
Valuation estimate
BETTER FINANCE leadership team
Management profileNumber of profiles
Profiles4 records
BETTER FINANCE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BETTER FINANCE 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 BETTER FINANCE
What does BETTER FINANCE do?
BETTER FINANCE is a Brussels-based European non-profit federation (ASBL) founded in 2009 that represents individual investors, retail savers, pension savers, and financial services users in EU policy discussions. It sells federation membership to independent national non-profit organizations and delivers advocacy through policy research reports, position papers, consultation responses, public letters, and investor education campaigns. The organization also operates the EuroVote platform through its EuroShareholders sub-brand to represent individual shareholders in EU corporate governance.
Is BETTER FINANCE a public or private company?
BETTER FINANCE is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was BETTER FINANCE founded?
BETTER FINANCE was founded in 2009. It employs 1 to 10 people.
Where is BETTER FINANCE based?
BETTER FINANCE is headquartered in Brussels, Belgium, in the Europe region.
How does BETTER FINANCE make money?
Three revenue lines are on record. Member Organization Fees are the primary driver. The others are EU and EFTA Funding and subsidies, Gifts and Donations.
Who are BETTER FINANCE's main competitors?
Direct peers on record are Better Markets, Finance Watch, BEUC – The European Consumer Organisation and ShareAction. Regional players are European Fund and Asset Management Association (EFAMA), World Federation of Investors (WFI) and European Banking Federation (EBF). Others are European Consumer Organisation for Standards (ANEC), EuroShareholders and European Insurance and Occupational Pensions Authority (EIOPA) Stakeholder Group members.
Does BETTER FINANCE have an API?
No public API is recorded for BETTER FINANCE.