What Accès Retraite does

Accès Retraite is a privately held French retirement advisory firm headquartered in Tours (Centre-Val de Loire), operating as a registered trademark (marque déposée) under Lotus Conseil SAS, a simplified joint-stock company (SAS) founded in 2022 with share capital of 1,000 EUR and RCS registration 981858418. The firm provides personalized retirement consulting to individuals navigating the French pension system, with Mathieu Orsini serving as Director of Publication and a team of approximately 5 employees including named advisor Isabelle Destors.

The company's core offering is human expert advisory, organized into a flagship comprehensive retirement assessment (Bilan Retraite Complet avec Expertise sur Mesure), claim-filing support (Accompagnement Liquidation des Droits), and a matrix of specialized sub-brands covering Agirc-Arrco, CNAV, polypensionnés, liberal professions, non-salaried workers, business executives, expatriés, progressive retirement, carrières longues, and pension reversion. A complementary suite of free online simulators (simulateur calcul retraite, simulateur retraite progressive, simulateur indemnité de départ, simulation rachat année d'études) serves as top-of-funnel acquisition. Services are delivered direct-to-consumer via phone (02 46 65 13 64), email ([email protected]), and in-person from Tours, with explicit reach extending to Nantes, Rennes, and Paris.

The business model is professional services on a custom-priced, dossier-by-dossier basis: pricing depends on the complexity of each client's situation (expatriation, multi-employer histories, unemployment periods, polypensionné status, status changes, company bankruptcy), with multi-year contract cadence covering the full liquidation process. Go-to-market is content-driven — a regularly updated blog covering French retirement law changes (LFSS 2026, cumul emploi-retraite reform, carrières longues), supported by organic social presence on Facebook, LinkedIn, and Instagram, plus a verified 17-review 'Excellent' Google rating that functions as social proof. The firm addresses the structural opacity of the French system: ~690,000 annual retirees, median income replacement loss of 35% (up to 50% for higher earners), and a gender pension gap (EUR 990 women vs EUR 1,870 men under régime général).

Name

Accès Retraite

Legal name

Lotus Conseil SAS

Website

https://acces-retraite.fr

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Accès Retraite is a Tours-based French retirement advisory firm (brand of Lotus Conseil SAS, founded 2022, ~5 employees) providing personalized consulting, career-record audits, and claim-liquidation support to individuals across all French pension regimes, supported by free online simulators.

Ownership category

akta.pro rank

Product category

Retirement Consulting Services

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retirement consulting services
• Pension optimization advisory
• Retirement planning consulting
• Career audit services
• Retirement liquidation support

Headquarters

HQ city

Tours

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Retirement consulting services: The company generates revenue through personalized retirement consulting engagements. Services include retirement audits, career reconstitution, administrative assistance for retirement liquidation, and strategic planning. Pricing is determined based on the complexity of each client's dossier (expatriation, multi-employer situations, unemployment periods, polypensionné status, status changes, company bankruptcy represent examples of complex situations affecting pricing).

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Accès Retraite is a French retirement advisory firm that provides personalized consulting services to individuals approaching retirement. Its core services include comprehensive retirement audits (career history analysis, anomaly detection, optimal retirement age and pension calculation), administrative support for retirement liquidation across multiple pension funds (CNAV, Agirc-Arrco, SSI, CNAVPL, special regimes), and strategy consulting for complex cases (polypensionnés, expatriates, liberal professionals, business owners). The firm is supported by online calculator tools for pension simulation and indemnity estimation.

Product overview

Accès Retraite operates as a unified retirement consulting practice offering personalized advisory services rather than a software product platform. The core offering centers on human expert consulting with multiple specialized service lines: (1) Bilan Retraite Complet avec Expertise sur Mesure as the flagship comprehensive assessment product; (2) Accompagnement Liquidation des Droits à la Retraite for claim filing support; (3) a suite of digital calculator tools including Simulateur de Calcul de Retraite, Simulateur de Retraite Progressive, Simulateur d'Indemnité de Départ, and Simulation Rachat Année d'Études; (4) specialized sub-brands covering Agirc-Arrco, CNAV, polypensionné, liberal professionals, TNS, business executives; and (5) thematic services for career-long early retirement, progressive retirement, pension reversion, and expatriate retirement strategy. All services are integrated through expert human advisors who provide personalized consulting alongside the calculator tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilan Retraite Complet avec Expertise sur Mesure

Quantifiable outcome

• Client recovered one quarter of contributions following a well-documented audit
• +3 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AG2R La Mondiale: One of France's largest pension and insurance groups, offering Agirc-Arrco advisory and retirement information services to members. Broader incumbent with significant scale, but provides overlapping retirement advisory as part of a wider portfolio of insurance and savings products.
• Klesia: French retirement and health protection group serving enterprises and their employees. Provides retirement preparation and pension advisory services, making it an incumbent peer for Accès Retraite's salarié and cadre dirigeant segments.
• Malakoff Humanis: Major French social protection group covering retirement, health, and savings. Operates retirement advisory and information services for members, competing with Accès Retraite in career-record and pension optimization but bundled within a much broader benefits offering.

Direct peers

• Sapiendo: French retirement advisory platform combining online simulators with personalized human consulting across French regimes. Closest direct comparable to Accès Retraite, with similar D2C positioning, multi-regime coverage (CNAV, Agirc-Arrco, professions libérales), and retirement-optimization focus.

Emerging players

• Linxo: French personal finance aggregation app (owned by Crédit Agricole) that includes retirement tracking and projection features. Adjacent emerging player competing for the same end-consumer mindshare with a more digital, self-service model.

Others

• Harvest: French software vendor serving wealth managers and financial advisors with retirement and savings planning tools. An ecosystem/adjacent player whose platform could either threaten Accès Retraite (if advisors adopt it) or partner with it (if Accès Retraite scales).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/acc%C3%A8s-retraite
• Instagraminstagram.com/acces.retraite

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Accès Retraite