What Foyer Belgium does

Foyer Belgium is the Belgian branch of Foyer Assurances S.A., a Luxembourg-based non-life (P&C) insurance company that has operated in Belgium since originating as Foyer S.A. in Luxembourg in 1922. The company sells mobility and habitation insurance products exclusively through a network of 450+ selected partner brokers across Wallonia and Flanders, supplemented by the Avise subscription agency (acquired 2018) which reaches 500+ brokers with high-value and bespoke policies. Its core product suite includes mobilé (modular auto insurance with kilometer-based and per-km pricing), enjoy home (flexible home insurance for owners and tenants with Smart and XL formulas), smile appart (flat-rate tenant product for apartments under 110 m²), and move123 (soft mobility insurance for bikes, e-scooters, and micro-mobility devices). Two proprietary digital tools underpin broker operations: Néo, a contract management and pricing platform integrating with Brio and Wegroup for auto multi-tarification and receiving Portima contract data in real time; and DigiClaims, a 24/7 digital claims declaration tool with guaranteed processing times (4 hours for auto, 8 working hours for habitation, 15-day payment SLA for habitation with a €150 penalty if missed). The company maintains a regional sales management structure spanning every major Belgian region, and serves individuals, professionals (artisans, self-employed, small businesses under 10 employees), and high-net-worth clients (via Avise) — but does not distribute to enterprises directly.

The business model is a B2B2C insurance carrier-distributor model: Foyer Belgium collects recurring non-life insurance premiums (auto, habitation, soft mobility, professional lines) through partner brokers who provide advisory and servicing to end customers. Pricing is subscription-based (annual premiums) with publicly disclosed tiers for the smile appart product (€180–€300 depending on apartment size) and quote-based pricing for other products via the Néo tool. Customer segments are horizontal: individuals (particuliers) and professionals (professionnels) are both primary, with HNW clients as a secondary segment served through Avise. Geographic scope is strictly Belgian — products are reserved for Belgian residents with risks located in Belgium — and the company operates via the freedom-to-provide-services framework from its Luxembourg head office. Revenue is not publicly disclosed. The company is privately held under Foyer Group (a strategic operating parent), with no public ticker, no funding rounds, and no M&A beyond the 2018 Avise acquisition. Europ Assistance is a key operational partner for roadside and travel assistance.

Name

Foyer Belgium

Legal name

Foyer Assurances S.A.

Website

https://assurancesfoyer.be

Company type

Private

Founded year

1922

Operating status

Operating

Headcount range

1–10 employees

Short description

Foyer Belgium is the Belgian branch of Luxembourg-based Foyer Assurances S.A., distributing non-life insurance (mobilé auto, enjoy home habitation, move123 soft mobility, Avise high-value) exclusively through 450+ partner brokers across Belgium, supported by proprietary digital tools Néo and DigiClaims.

Ownership category

akta.pro rank

Headquarters

HQ city

Leudelange

HQ country

Luxembourg

HQ region

Europe

Offices2 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 (IARD): Foyer Belgium collects insurance premiums from individuals and professionals for coverage in mobility (auto, motorcycles, vans, leisure vehicles, soft mobility) and habitation (homeowners, renters). Premiums are collected through partner broker network.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Foyer Belgium distributes non-life (IARD) insurance products exclusively through a network of broker partners in Belgium, covering mobility (auto, motorcycles, vans, leisure vehicles, soft mobility) and habitation (homeowners and tenants). Its portfolio includes the modular mobilé auto product with kilometer-based and pay-per-kilometer pricing, the move123 soft mobility product, the enjoy home habitation product with Smart and XL formulas, the smile appart tenant package, and the Avise high-end bespoke offering for luxury vehicles and premium properties.Proprietary digital tools (Néo for pricing and contract management, DigiClaims for claims) are used to support broker productivity.

Product overview

Foyer Belgium is a non-life (P&C) insurance company operating exclusively through a network of broker partners in Belgium, offering two core product lines: mobility insurance and home insurance. The mobility portfolio centers on mobilé car insurance — a modular auto product with per-kilometer and usage-based pricing — extended to cover leisure vehicles, campervans, motorcycles, vans, and soft mobility via the move123 sub-brand. The home insurance portfolio is anchored by enjoy home insurance, available in Smart and XL formula tiers for both tenants and property owners, and complemented by the entry-level smile appart insurance for apartment tenants under 110 m². High-value insurance needs are served by Avise, a bespoke specialist sub-brand covering luxury vehicles, premium residences, and art collections. Digital distribution is supported by two proprietary broker tools: Néo for quote generation and contract management, and DigiClaims for streamlined claims filing.

Differentiator

Problem solved

Functional benefit

Brands

• mobilé: Auto insurance brand offering kilometre-based and usage-based insurance for cars, leisure vehicles, motorcycles, and other vehicles for both private and professional clients.
• enjoy home
• smile appart insurance
• move123
• Néo
• DigiClaims
• Avise

Products and services

• mobilé car insurance Modular auto insurance for private and professional use, offering per-kilometer and per-use pricing models. Covers cars, leisure vehicles, campervans, motorcycles, vans, and other vehicles, with four coverage tiers from basic RC to full omnium, plus optional add-ons such as driver protection, legal protection, and roadside assistance.
• move123 soft mobility insurance Insurance for bicycles and soft mobility devices (e-scooters, hoverboards, segways, monowheels) and electric-assisted bikes up to 25 km/h. Covers material damage, theft, and pan-European assistance starting from 1 km from home, with optional accident and family RC coverage.
• enjoy home insurance Flexible home insurance for tenants and property owners, covering buildings, contents, and exterior areas. Available in two formula tiers (Smart and XL), with optional add-ons including garden/pool coverage, theft protection, mortgage repayment protection, and professional content packs.
• smile appart insurance Streamlined home insurance for tenants renting apartments under 110 m² with up to 3 fitted rooms. Offers a flat-rate '5-in-1' package covering RC locative, contents, RC familiale, and legal protection, with automatic extensions for early lease termination, temporary stays, subletting, and contract transfer.
• Avise bespoke high-end insurance High-end bespoke insurance for exceptional assets, operated by Foyer Group since 2018. Covers luxury and exclusive vehicles (luxury cars, collection/oldtimer vehicles, exclusive cars), high-value residential properties, art and collectibles, professional goods, and commercial fleets. Distributed through over 500 broker partners across Belgium.
• mobilé usage-based auto insurance (offre au kilomètre) Per-kilometer usage-based auto insurance under the mobilé brand for private-use cars. Offers variable monthly premiums based on actual kilometers driven, with RC + driver protection included and optional omnium coverage (mini, partial, or full). Monthly odometer readings are submitted via SMS link.

Quantifiable outcome

• Claims payment within 15 days for habitation (with 150 EUR penalty if exceeded, applicable from July 2024)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• AvisecoreStrategic or Co-development Partner · 1 January 2018Avise is a subscription agency established in Wavre, Belgium, belonging to Groupe Foyer since 2018. It operates as an underwriting intermediary between brokers (500+ partners) and insurance companies, offering bespoke solutions for high-value assets including luxury vehicles and premium properties.
• Europ AssistancecoreTechnology or IntegrationEurop Assistance provides comprehensive assistance services for Foyer auto insurance (mobilé assistance), including vehicle towing, replacement vehicles, passenger assistance, and travel assistance in Belgium and abroad.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Laka: Netherlands-based insurtech offering usage-based and on-demand cycling and mobility insurance, with a digital-first broker- and partner-distribution model. Comparable to Foyer's move123 and per-kilometer auto innovations in product philosophy and target micro-mobility / low-mileage customer segment.

Direct peers

• Ethias: Belgian mutual insurer with strong P&C franchise, particularly in auto and home, distributed through brokers and direct channels. Comparable in product breadth, Belgian footprint and broker-led go-to-market.
• AXA Belgium: Major Belgian P&C insurer offering auto, home and personal lines through tied agents and brokers. Competes head-to-head with Foyer in the broker-distributed auto and home segments and has a stronger brand and marketing budget.
• AG Insurance: Largest Belgian insurance company (part of BNP Paribas Fortis group), dominant in P&C with auto, home and mobility products distributed through a large broker and tied-agent network across Belgium. Closest direct competitor to Foyer Belgium in scale, product mix and broker-led distribution.
• DVV Verzekeringen: Belgian direct insurer (part of Beliris/P&V ecosystem) offering auto, home and personal lines. Comparable product set to Foyer, with a more direct distribution model — useful contrast for benchmarking Foyer's broker-only strategy.
• Baloise Belgium: Belgian arm of Swiss Baloise Group, offering auto, home and SME P&C products primarily through independent brokers. Direct competitor to Foyer in the broker channel with a similar product-led positioning.
• Belfius Insurance: Belgian bank-insurer offering auto, home and family protection products. Sells through bank branches and broker channels, overlapping with Foyer's broker-distributed model and competing for the same individual and small-business customers.
• KBC Verzekeringen: Belgian bank-insurer offering auto, home and family products distributed through KBC bank branches and tied agents. Overlaps with Foyer's mobility and home portfolio and competes for the same individual and professional customer base.
• P&V Group: Belgian cooperative insurer focused on auto, home and family protection, distributed through a broker network. Competes with Foyer for individual and professional P&C customers via independent brokers in Belgium.

Broad incumbents

• Allianz Belgium: Belgian arm of global insurer Allianz, offering auto, home and SME P&C through brokers and tied agents. Comparable product portfolio with the backing of a much larger global parent — a useful benchmark for Foyer's market-leading Luxembourg parent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/foyer-belgium
• Facebookfacebook.com/foyer-belgium

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 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 Foyer Belgium