Foyer

What Foyer does

Foyer S.A. is a Luxembourg-based financial services group founded in 1922, operating across three business lines: insurance, pensions, and wealth management. The Group serves over 421,974 clients through five business lines and a multi-brand portfolio, including Foyer Assurances (core Luxembourg insurance with 40% non-life market share), Foyer Belgium (broker-distributed non-life), WEALINS (life insurance across 9-10 European markets via freedom of services, collecting €2.8 billion in premiums in 2025), Global Health (international private medical insurance for expatriates in 100+ countries), CapitalatWork (€12 billion in assets under mandate across 9 Benelux offices), and credihome (mortgage brokerage). The Group employs 1,713 employees and agents and operates across 10 European countries, with headquarters in Leudelange, Luxembourg. Ownership remains concentrated in family and stable shareholders (Foyer Finance 64.10%, Luxempart 31.03%) following a 2014 delisting from the Luxembourg and Brussels stock exchanges.

Name

Foyer

Legal name

Le Foyer, Compagnie Luxembourgeoise d'Assurances S.A.

Website

https://groupe.foyer.lu

Company type

Private

Founded year

1922

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Foyer is a Luxembourg-based financial services group offering insurance, pensions, and wealth management to over 421,000 clients across 10 European countries, holding 40% non-life insurance market share in Luxembourg.

Ownership category

akta.pro rank

Headquarters

HQ city

Leudelange

HQ country

Luxembourg

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-life insurance premiums: Core P&C insurance business in Luxembourg (40% market share) and Belgium, covering motor, home, health, and other property & casualty lines. Revenue from gross written premiums minus reinsurance.
2. Life insurance premiums: Life insurance and capitalisation products under free provision of services across 10 European markets (Germany, Spain, Finland, France, Italy, Norway, Portugal, Sweden, Luxembourg, Belgium). €2.8 billion in premiums collected in 2025.
3. International health insurance: International private medical insurance (IPMI) for expatriates through Global Health brand, active in 100+ countries, generating €129 million in gross premiums.
4. Wealth management fees: Asset management and financial advisory services through CapitalatWork, managing €12 billion in assets under mandate for private and institutional clients across Benelux.

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

Foyer Group is a Luxembourg-based financial services company operating across three business lines: insurance (life and non-life), pensions, and wealth management. The group serves individuals, professionals, and companies in Luxembourg and across 10 European countries through subsidiaries including Foyer Assurances, Foyer Belgium, Global Health, WEALINS, CapitalatWork, and credihome. The company also offers international health insurance in 100+ countries and wealth management services in Benelux.

Product overview

Foyer Group is a Luxembourg-based financial services company operating across three business lines: insurance (non-life and life), pensions, and wealth management. The company offers a multi-brand portfolio comprising Foyer Assurances (core insurance in Luxembourg), Foyer Belgium (non-life insurance via brokers), Global Health (international health insurance for expatriates), WEALINS (life insurance across European markets), and CapitalatWork (wealth management in Benelux). Additional products include Foyer Vie savings products, the innovative moov auto insurance, credihome mortgage brokerage, and the MyFoyer digital application. The group serves over 421,000 clients across 10 European countries with approximately 1,713 employees and agents.

Differentiator

Problem solved

Functional benefit

Brands

• moov: Innovative auto insurance product launched in 2025 for young and mobile customers
• MyFoyer
• Foyer Academy

Products and services

• Foyer Assurances
• Foyer Belgium
• Global Health
• WEALINS
• CapitalatWork Foyer Group
• credihome
• moov Auto Insurance

Quantifiable outcome

• 93.5% of MyFoyer app users are satisfied with the application
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability7 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• TractablecoreTechnology or Integration · 6 May 2026AI partnership for automotive claims management using computer vision technology for automatic damage identification from photographs, enabling faster processing of minor auto claims.
• LuxProvidecoreTechnology or Integration · 22 July 2025Sovereign AI infrastructure partnership using Mistral AI foundation models on Luxembourg's MeluXina supercomputer. Focus on code assistant, IT helpdesk chatbot, and hybrid integration for AI-powered insurance operations.
• GPA (Groupe GPA)coreStrategic or Co-development Partner · 20 May 2025Foyer became the first insurer in Luxembourg to offer reusable parts for vehicle repair in partnership with GPA. Damaged vehicles declared total losses are processed by GPA at its French facilities, and reused parts are used to repair Foyer-insured vehicles, reducing carbon footprint by 80% compared to new parts.
• Akur8coreTechnology or Integration · 23 May 2024Actuarial pricing platform partnership using Transparent AI technology to improve pricing for motor, home, and health insurance lines, enhancing model robustness and decision-making.
• CBBA-EuropeminorStrategic or Co-development Partner · 15 May 2024Hosted CBBA-Europe conference on ESG and alternative investments for pension funds, investors, and HR directors.
• LHoFT (Luxembourg House of Financial Technology)coreStrategic or Co-development PartnerFinTech innovation ecosystem partnership for open innovation and collaboration with startups in financial technology.
• PlugAndPlayminorStrategic or Co-development PartnerGlobal innovation platform partnership connecting Foyer with startups and major companies worldwide.
• University of Luxembourg (SNT)minorStrategic or Co-development PartnerAcademic partnership for research and innovation in financial technology and digital transformation.
• Banque RaiffeisencoreChannel Partner/ Reseller/ DistributorBancassurance distribution partnership for insurance products.
• microluxminorOthersCSR partnership for microfinance initiatives supporting economic inclusion and microcredits for entrepreneurs.
• Europ AssistanceminorChannel Partner/ Reseller/ DistributorGlobal assistance partnership providing protection and mobility services to members.

Scale indicators13 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Baloise Group: Swiss insurance and pensions group with retail and European cross-border life businesses. Comparable to Foyer as a mid-sized, multi-line European insurer with a strong home-market share, pension expertise, and growing focus on digital customer platforms.
• Ageas: Belgian-headquartered insurance group with multi-line insurance and life businesses across Belgium, Luxembourg, and broader Europe. Most directly comparable to Foyer on geographic footprint (Belgium + Luxembourg dominance), bancassurance distribution, and mid-sized European positioning.
• CNP Assurances: French personal insurance specialist with leadership in life insurance and pensions across Europe and Latin America. Direct comparable to Foyer's WEALINS life insurance business given its cross-border LPS distribution, bancassurance partnerships, and pension/savings product focus.
• April International: International private medical insurance (IPMI) provider for expatriates and globally mobile individuals across multiple countries. Direct peer to Foyer's Global Health business in product (IPMI), customer segment (expatriates), and distribution (international broker networks).
• Vienna Insurance Group: Central and Eastern European insurance leader with strong home-market positions across 25+ countries. Comparable to Foyer's WEALINS life franchise in multi-country European roll-up strategy and bancassurance distribution model.
• Helvetia Insurance: Swiss multi-line insurer active in Switzerland, Germany, Italy, Spain, France, and Austria. Similar mid-cap European profile to Foyer, with comparable product breadth (non-life, life, pensions) and growing emphasis on digital and AI-driven operations.
• Now Health International: IPMI provider for individuals, families, and corporate clients across multiple regions. Comparable to Global Health in digital-first IPMI delivery, expatriate customer segment, and reliance on broker distribution in target markets.
• Degroof Petercam: Benelux-headquartered private banking and wealth manager serving private and institutional clients across Belgium, Luxembourg, and France. Direct comparable to CapitalatWork within the Foyer Group in geographic focus (Benelux), high-net-worth client base, and AUM scale.

Broad incumbents

• Cigna Healthcare: Global health services and IPMI incumbent serving multinational employers and expatriates worldwide. Comparable to Global Health in IPMI product offering and expatriate customer base, but with materially larger scale and broader geographic reach.
• Allianz: Global insurance, asset management, and health leader with pan-European multi-line operations. Relevant comparable for Foyer's overall insurance + wealth management + European footprint, though substantially larger and more diversified across geographies and asset classes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/groupefoyer
• LinkedInlu.linkedin.com/company/foyer-assurances

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles26 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Foyer