COS BREIZH

What COS BREIZH does

COS Breizh is a non-profit social welfare committee (Comité d'Action Sociale) serving public sector employees and retirees of affiliated employers — municipal councils, public associations, and territorial administrations — exclusively within the Brittany region of France. Founded circa 1976 (approaching its 50th anniversary in March 2026), the organization operates on a membership model in which affiliated public sector structures pay per-affiliate cotisations that fund a catalog of more than 40 social benefits and subsidies. Members — both active agents and retirees who subscribe through the adhesion équitable option — access income-tiered subsidies (quotient familial system) covering the full life cycle: family events (birth, marriage, PACS, adoption), youth services (childcare CESU, school trips, BAFA training, colonies de vacances), professional transitions (retirement, dismissal, relocation), health and solidarity (group mutual insurance, disability support, funeral aid, social loans), and culture/leisure/vacation benefits.

The technology platform is a standard committee management suite powered by CyberCe/DIP software, hosted on OVH infrastructure, with a member-facing Espace Privé (private member portal) handling authentication, online ordering, consumption tracking, and family quotient calculation. Core integrations include UpOne (digital Visa-compatible prepaid card platform for Titre Culture, Titre Sport, Titre Cadeau Noël, school subsidies), Chèque Domicile (e-CESU electronic voucher platform for childcare and everyday services), and Meyclub (event ticketing). A mobile app (CyberCe) is published on iOS and Android. Distribution runs through the digital portal, in-person office hours at the Chartres de Bretagne headquarters, and a correspondent network embedded in affiliated employer organizations.

The business model is subscription-based and non-distributing: cotisations from affiliated employers are pooled and redistributed as benefits, with revenue recycled into member services rather than returned to owners. COS Breizh acts as a collective purchasing agent, leveraging aggregated demand across hundreds of affiliated public sector structures to negotiate group rates with banks (Crédit Mutuel de Bretagne, CSF), mutual insurers (Harmonie Mutuelle, Complévie), childcare providers (Kinougarde), tutoring services (Complétude), and travel/vacation partners. No revenue is publicly disclosed; no parent company, subsidiaries, or external funding exist.

Name

COS BREIZH

Legal name

COS Breizh

Website

https://cosbreizh.bzh

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Non-profit social welfare committee serving public sector employees and retirees of affiliated Breton employers, funding 40+ income-tiered subsidies and negotiated group benefits (childcare CESU, mutual insurance, bank loans, vouchers) through per-affiliate cotisations in Brittany, France.

Ownership category

akta.pro rank

Product category

Public Sector Social Welfare Services

NAICS

Business Associations (813910)

SIC

Services-Membership Organizations (8600)

akta.pro industry

PRIMARYFSAIAFAH

Association & PEO Group Health Plans (AHP/PEO-Sponsored)

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

Keywords

• Social welfare services
• Employee benefits administration
• Public sector benefits
• Social action committee
• Member subsidies

Headquarters

HQ city

Chartres de Bretagne

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Membership Subscriptions (Cotisations): COS Breizh is funded primarily through membership subscriptions paid by affiliated public sector employers (collectivités) and structures. Individual agents and employees of member organizations are then entitled to benefits. Retired employees may subscribe through an adhesion équitable (fair membership). The organization also receives contributions from public sector payroll (via some prefinanced CESU programs) and negotiated group insurance contracts. As a non-profit association (association à but non lucratif), revenue is reinvested into member benefits and social welfare programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels8 records

Core offering

COS Breizh is a non-profit social welfare association providing subsidies, vouchers, negotiated group insurance, subsidized bank loans, and partner discounts to public sector employees and retirees in Brittany, France. Its offerings are organized into seven main benefit categories spanning life events, professional transitions, daily life, health, childhood/youth/schooling, culture/leisure, and vacations, delivered through a member portal, UpOne digital voucher platform, e-CESU system, and a network of employer-embedded correspondents.

Product overview

COS Breizh is a social welfare committee (Comité d'Oeuvres Sociales) for public sector employees in Brittany, France, offering a comprehensive portfolio of 40+ social benefits and subsidies. The platform operates through multiple channels: a member portal (Espace Privé) for online requests, digital voucher systems (UpOne for culture/sport/Christmas vouchers, CESU for childcare/services), partner discounts, and direct subsidies. Core offerings span seven categories: Étapes de la vie (birth, adoption, marriage, PACS), Vie pro (retirement, medals, relocation), Quotidien et Projets (childcare CESU, loans, bike subsidies), Santé et Solidarité (health insurance, disability support, funeral aid), Enfance/Jeunesse/Scolarité (leisure centers, school trips, grants), Culture/Sports/Loisirs (activity subsidies, Wecandoo workshops, vacation discounts), and Vacances (partner accommodations). Benefits are income-tiered using a family quotient system, with many delivered through the UpOne digital card platform.

Differentiator

Problem solved

Functional benefit

Brands

• Meyclub: Billetterie (ticketing service) offered by COS Breizh
• Up One

Products and services

• Étapes de la vie (Life Milestones Benefits)

Quantifiable outcome

• Income-tiered subsidies ensure lower-income families receive higher support (e.g., colony subsidies: Tranche 1 gets €70 vs. Tranche 4/5 gets €30)
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature4 records

Partnerships

16 partnerships are on record, tiered supporting and core.

• Visages du MondesupportingChannel Partner/ Reseller/ Distributor · 16 October 2026Visages du Monde is a travel agency partner organizing group trips for COS Breizh members. Currently promoting a 4-day/3-night Prague weekend (October 16–19, 2026) from Nantes with direct flight, 4-star hotel, and guided panoramic tour at €649/person. Registrations handled by Visages du Monde directly.
• Crédit Mutuel de Bretagne (CMB)coreStrategic or Co-development PartnerCOS Breizh partners with Crédit Mutuel de Bretagne to offer bonified (reduced-interest) bank loans to members. The organization subsidizes a portion of market interest rates, reducing effective rates for study loans (1.50%), small works (4.20%), and consumption loans (4.20%). COS Breizh provides pre-screened member dossiers to facilitate loan processing. Contact numbers differ by employer group (A–Me: 02.99.23.31.18; Mi–Z: 02.99.23.31.08).
• CSF (Crédit Social des Fonctionnaires)supportingChannel Partner/ Reseller/ DistributorCSF provides mortgage lending (via CRÉSERFI), borrower insurance, credit consolidation, personal loans, and savings/investment products to COS Breizh members. Membership fee is €90 first year, €35 following years. CSF membership is not required until a project is concretely realized. The partnership is accessible to non-functionaries as well.
• Groupe Up (UpOne)coreTechnology or IntegrationGroupe Up provides the UpOne digital voucher and prepaid card platform used by COS Breizh to deliver Titre Culture, Titre Sport et Loisirs, Titre Cadeau Noël, and other gift vouchers. UpOne cards work like Visa bank cards and are accepted nationwide. The platform enables both physical and virtual cards, with the physical card valid for 4 years.
• Chèque Domicile (Natixis / Groupe BPCE)coreTechnology or IntegrationChèque Domicile manages the e-CESU (electronic Chèque Emploi Service Universel) platform used by COS Breizh for childcare vouchers, homework support, and everyday life services. Members receive credits on their Chèque Domicile beneficiary account. The platform supports both direct employment payments and payments to approved service providers.
• Harmonie MutuellecoreChannel Partner/ Reseller/ DistributorCOS Breizh has negotiated group health insurance contracts with Harmonie Mutuelle for active and retired members. Two formulas are available: base (essential coverage including hospitalization, city care, pharmacy) and confort (broader coverage). Rates are tiered by adult/young/retired status. 2026 monthly rates range from €48.16 (young base) to €117.36 (retired confort).
• CompléviesupportingChannel Partner/ Reseller/ DistributorComplévie is a complementary health insurance partner offering three group formulas (Idéale Plus, Idéale, Idéale jeune) with rates tailored for active adults, retirees, and youth. Rates range from €26.01/month (young) to €117.43/month (retired Idéale Plus). COS Breizh facilitates group enrollment and negotiated pricing.
• Protection CivilesupportingChannel Partner/ Reseller/ DistributorProtection Civile is the authorized provider for PSC1 (Premiers Secours Citoyen) first aid training, which COS Breizh subsidizes at €25 per participant. The organization is a law 1901 association involved in emergency response and training. COS Breizh directs members to formations.protection-civile.org to find local training dates.
• KinougardesupportingGTM or Marketing PartnerKinougarde is a childcare service provider offering on-demand childcare solutions (after school, nursery pick-up, variable hours, Wednesdays, holidays). COS Breizh members receive free membership (normally €96), and Kinougarde handles nanny recruitment, employment administration, and HR follow-up. CESU préfinancé from COS Breizh is accepted, along with CAF/MSA aids and 50% real-time tax credit.
• ComplétudesupportingGTM or Marketing PartnerComplétude is a tutoring and academic support partner offering private lessons (primary to higher education) and group courses during school holidays. COS Breizh members receive free registration (normally €80), 50% immediate tax credit, and 10%–20% discounts on group courses. CESU préfinancé is accepted. Available in Brest, Lorient, and Rennes offices.
• WecandoosupportingGTM or Marketing PartnerWecandoo organizes artisan workshops (pottery, jewelry, wood, cosmetics, etc.) across France. COS Breizh members benefit from a 10% discount on bookings (using COS promo codes) plus a €20 COS subsidy per workshop per year per beneficiary. Workshops are conducted at artisan locations and result in a handmade creation. Gift cards are excluded from the benefit.
• Vacation Partner NetworksupportingChannel Partner/ Reseller/ DistributorCOS Breizh negotiates discounts with a broad network of vacation partners including local offers, outdoor accommodations (camping), vacation rentals and villages, youth trips, travel agencies, and ski providers. Discounts reach up to 20% with waived booking fees. Partners include Homair (mobil-home), Huttopia (camping), Visages du Monde (travel), and various Envie Électromobilier Bretagne locations.
• Envie Électroménager BretagnesupportingChannel Partner/ Reseller/ DistributorEnvie Électromagéger Bretagne operates reuse/recycling centers in Saint Grégoire and Brest. COS Breizh members purchasing large appliances (refrigerators, washing machines, etc.) from Envie qualify for the ressourcerie/recyclerie subsidy (€30–€50 depending on purchase amount). This supports both the circular economy and member savings.
• CPIE Val de VilainesupportingChannel Partner/ Reseller/ DistributorCPIE Val de Vilaine organizes the archaeological excavation workshop (Atelier Fouilles Archéologiques) offered to COS Breizh members at Maison Mégalithes et Landes in Saint-Just. The activity is offered at a reduced rate of €8 (vs €13 standard) for members, with maximum 16 participants.
• DIP / CyberCecoreTechnology or IntegrationDIP provides the CyberCe committee management software platform (dip-enligne.com) that powers COS Breizh's website, member portal, online ordering, and administrative management. CyberCe is a specialized software for Comités d'Entreprise and social welfare organizations. COS Breizh also distributes the CyberCe mobile app (iOS and Android).
• OVHcoreTechnology or IntegrationOVH is the web hosting provider for the COS Breizh website (cosbreizh.bzh), providing server infrastructure at OVH's Roubaix data center (2 rue Kellermann, 59100 Roubaix).

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cos-breizh
• Instagraminstagram.com/cosbreizh

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 COS BREIZH