Enbic - Ente Bilaterale Confederale

What Enbic - Ente Bilaterale Confederale does

Enbic - Ente Bilaterale Confederale (EN.BI.C.) is an Italian bilateral non-profit entity founded in 2012 and headquartered in Rome at Via Cristoforo Colombo, 112. It operates within Italy's mandatory sistema bilaterale (bilateral labor relations system), providing services mandated by collective labor agreements (CCNL) under the fiscal code "codice F24 ENBC." The entity was established jointly by six founding union and employer confederations — Cisal, Cisal Terziario, Anpit, Federazione Unica, Federagenti, and Cidec — and is legally designated as the bilateral body required by CCNL contracts, meaning substitution by an alternative provider exposes employers to legal liability toward workers.

Its core offerings span three product lines: (1) a corporate welfare platform powered by Edenred, providing tax-free vouchers, gift cards, and benefit management with access to over 37,000 affiliated stores and structures; (2) Fondo Salute, a health fund offering medical subsidies, extraordinary benefits, and a "Banca delle Visite" service for free medical examinations; and (3) training and education programs operated through sub-brands ENBIC Sicurezza (workplace safety FAD courses), ENBIC Academy University, ENBIC EI-Point Unimercatorum, and partnerships with Unitelma Sapienza and Università Telematica Mercatorum. Additional services include CCNL interpretation, employment contract certification, and "Rete del Sostegno" — a support network for financing and tax-credit assistance.

ENBIC's revenue model is subscription/transactional: mandatory employer contributions flow through the bilateral system as specified by applicable CCNL contracts, supplemented by a 3.5% take rate on welfare platform loaded amounts and a €100 annual fee per enrolled company from the second year onward. Despite this contractual revenue base, the entity operates with a notably lean staff of approximately 6 employees, distributing services through direct website enrollment, its union partner network, and professional labor consultants across Italy. President Vincenzo Caratelli (also Segretario Generale Cisal Terziario) leads governance, having succeeded former President Fulvio De Gregorio.

Name

Enbic - Ente Bilaterale Confederale

Legal name

Ente Bilaterale Confederale EN.BI.C.

Website

https://enbic.it

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Italian non-profit bilateral entity mandated by collective labor agreements (CCNL), providing corporate welfare, health insurance, and training services to enrolled companies and their employees via an Edenred-powered benefits platform and union partner network.

Ownership category

akta.pro rank

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Contributions: ENBIC generates revenue through mandatory contributions from enrolled companies as required by collective labor agreements (CCNL). Companies pay contributions to the bilateral entity which funds welfare services, health insurance, and subsidies for employees.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

ENBIC is an Italian bilateral body (ente bilaterale confederale) established to implement collective labor agreements (CCNL). It provides corporate welfare platforms powered by Edenred, a supplementary health fund (Fondo Salute), occupational safety training (Sicurezza), and academic training programs (Academy) to companies and workers operating under the CCNL framework.

Product overview

ENBIC (Ente Bilaterale Confederale) is a Bilateral Confederal Body operating in Italy's labor relations system. The organization provides a unified platform of services centered on corporate welfare, health fund management (Fondo Salute), and professional training. The core ENBIC Platform manages collective labor contracts (CCNL), while the integrated ENBIC Welfare Platform (powered by Edenred) enables companies to deliver tax-free employee benefits. The offering is complemented by specialized training brands (ENBIC Sicurezza for workplace safety, Unitelma Sapienza and Unimercatorum partnerships for university education), a health support network including the 'Banca delle Visite' free medical service, and a financing/tax credit assistance network.

Differentiator

Problem solved

Functional benefit

Brands

• Enbic Sicurezza: Safety training programs for workplace health and security
• Enbic EI-Point Unimercatorum
• Enbic Academy University
• Unitelma Sapienza
• Fondo Salute

Products and services

• ENBIC Welfare Platform Corporate welfare platform powered by Edenred that enables employees of enrolled Italian companies to access a network of merchants and services using a prepaid card funded by employer contributions mandated under CCNL.
• Fondo Salute ENBIC Supplementary health fund providing health and welfare assistance to workers enrolled under the CCNL framework, reimbursing medical expenses and offering healthcare benefits beyond the public health system.
• ENBIC Sicurezza Training and consulting service providing occupational safety and health (SSL) courses and certifications to workers and companies in the sectors covered by CCNL.
• ENBIC Academy University Higher education program offering academic courses and degrees in collaboration with Unimercatorum, providing certified qualifications to enrolled workers and their family members.
• ENBIC EI-Point Unimercatorum Dedicated information and enrollment point for Unimercatorum academic programs, providing guidance and registration services for CCNL-enrolled workers and their families.
• Rete del Sostegno Network of welfare and social support services offering assistance to workers and their families in cases of economic hardship, health issues, or other personal difficulties.

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Ten partnerships are on record, tiered core and minor.

• EdenredcoreTechnology or IntegrationENBIC partnered with Edenred to provide a digital welfare platform for enrolled companies. The platform enables companies to offer employee benefits including vouchers, gift cards, and access to over 37,000 partner locations. Companies can reduce labor costs by 35-40% through second-level agreements.
• CisalcoreStrategic or Co-development PartnerCisal is one of the founding organizations of ENBIC. The confederation of autonomous Italian trade unions contributes to the governance and development of bilateral services.
• Cisal TerziariocoreStrategic or Co-development PartnerCisal Terziario is a founding organization of ENBIC, representing the tertiary sector and contributing to the governance of the bilateral entity.
• AnpitcoreStrategic or Co-development PartnerAnpit (National Association of Independent Workers and Enterprises) is a founding organization of ENBIC, contributing to the development of bilateral services for Italian enterprises.
• Federazione UnicacoreStrategic or Co-development PartnerFederazione Unica is a founding organization of ENBIC, participating in the governance and strategic direction of the bilateral entity.
• FederagenticoreStrategic or Co-development PartnerFederagenti is a founding organization of ENBIC, representing agents and contributing to the bilateral system's governance.
• CideccoreStrategic or Co-development PartnerCidec is a founding organization of ENBIC, participating in the development of bilateral services.
• Unitelma SapienzaminorStrategic or Co-development PartnerENBIC partners with Unitelma Sapienza to provide university courses and master's programs with benefits for enrolled members. The partnership offers educational opportunities including degree programs and training courses.
• Università Telematica MercatorumminorStrategic or Co-development PartnerENBIC collaborates with Università Telematica Mercatorum for certification of labor and service contracts, providing legitimacy and standardization for apprenticeship and employment agreements.
• ENBIC SicurezzaminorStrategic or Co-development PartnerENBIC Sicurezza is an internal initiative providing workplace safety and health training courses, including FAD (distance learning) programs for enrolled companies and their employees.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• E.N.Bi.Form: Italian bilateral training entity offering professional development courses funded through CCNL contributions. Directly comparable to ENBIC's training service lines including ENBIC Sicurezza and university partnerships.
• FON.TER: Italian bilateral interprofessional fund for ongoing employee training, financed through mandatory CCNL contributions. Directly comparable to ENBIC's training and education services (ENBIC Sicurezza, university partnerships).
• E.Bi.N. - Ente Bilaterale Nazionale: Another Italian bilateral confederale body providing welfare, training, and health services to companies operating under CCNL contracts. Directly comparable in structure, regulatory basis, and service portfolio to ENBIC, serving overlapping Italian employer populations.
• Ente Bilaterale Confindustria: Bilateral entity associated with Confindustria, Italy's main employers' federation. Comparable as an Italian bilateral body providing welfare and training services under CCNL contracts, though typically serving larger industrial companies rather than ENBIC's broader sector mix.
• Fondo Est: Italian supplemental health fund for employees of companies in the tertiary sector under CCNL. Comparable to ENBIC's Fondo Salute offering, providing healthcare subsidies and supplementary health benefits through bilateral/membership-based funding.
• CADIPROF: Italian bilateral welfare fund for professionals and dependent employment relationships. Comparable to ENBIC as a membership-funded entity providing welfare services and contract interpretation under CCNL frameworks.

Broad incumbents

• Edenred Italia: Italian subsidiary of Edenred, the global employee benefits platform that powers ENBIC's welfare offering. While primarily a technology/benefits provider rather than a bilateral entity, Edenred is deeply intertwined with ENBIC's value proposition and serves similar Italian employer customers.
• Sodexo Italia (Up Day): Italian arm of Sodexo Benefits & Rewards Services, operating the Up Day welfare platform. Comparable to Edenred/ENBIC as a broader incumbent in the corporate employee benefits and welfare platform market serving Italian employers.

Emerging players

• QuAS - Cassa Assistenza Sanitaria Quadri: Italian supplemental health fund for managerial employees ('quadri'). Comparable to ENBIC's Fondo Salute as a bilateral health benefits entity, though focused on a narrower executive employee segment.
• Sanarti: Italian bilateral health fund serving artisans and SME employees under CCNL. Comparable to ENBIC's health/welfare offering for a specific Italian workforce segment, with similar bilateral structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/enbicentebilateraleconfederale
• LinkedInlinkedin.com/company/enbic-ente-bilaterale-confederale

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

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 Enbic - Ente Bilaterale Confederale