What Mutualité Française Saône-et-Loire does

Mutualité Française Saône-et-Loire (MFSL) is a non-profit mutual organisation founded in 1905 and headquartered in Chalon-sur-Saône, operating as the leading social-economy enterprise (économie sociale et solidaire) in the Saône-et-Loire department of France. The organisation delivers services across five sectors: Biens Médicaux (medical goods), Santé (optical, dental, and audiology care through the Écouter Voir retail network under Sector 1 conventionné tariffs), Autonomie à domicile (home care for elderly and disabled persons via SAAD PH, SSIAD, ergotherapy, and the IA-TECH brand), Handicap (medico-social establishments including ESAT, DITEP, DAME, SAMSAH, SAVS, residential housing, and L'ENVOL – Maison Pierre Mauchamp), and Insertion professionnelle (ATESIA industrial subcontracting workshops and DISP youth integration). It reports 1,200+ employees and 5,000+ clients, patients, or beneficiaries across 94 communes.

The organisation operates a proprietary technology stack led by IA-TECH (Innovation, Autonomie, Technologie), an ergotherapy-driven home-autonomy brand offering technical aid advice, accessibility design (including Assistance à Maîtrise d'Usage for social landlords), and experimental assistive devices via the CICAT 71 information centre. The Dôme application, deployed within SAAD PH, provides care-management functionality including intervention scheduling, secure messaging with beneficiaries and families, dematerialised life journals, fragility assessment grids, and a register of technical aids at the domicile. Distribution is exclusively through owned physical locations, mobile home-care teams, and institutional referral pathways (CDAPH, MDPH, ARS), with no e-commerce or third-party resale channels.

The revenue model combines French social-security reimbursements (Sécurité sociale) and mutual-insurance top-ups for conventionné healthcare services, ARS and departmental council funding for medico-social establishments, and commercial revenue from solidarity services (industrial subcontracting, laundry, catering, green spaces, horticulture) where applicable clients benefit from a 50% tax credit. Services are delivered under third-party payment (tiers payant) with no excess charges (dépassements d'honoraires) on nomenclature-listed care. MFSL is led by President Gilles Deschamps and Director General David Da Tréza (appointed October 2017), with no external shareholders, private equity, or parent company.

Name

Mutualité Française Saône-et-Loire

Legal name

LA MUTUALITÉ FRANÇAISE SAÔNE-ET-LOIRE

Website

https://mutualite-71.fr

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Mutualité Française Saône-et-Loire is a non-profit mutualist organisation in Chalon-sur-Saône, France, operating optical, dental, audiology, home-care, disability, and professional-integration services across 94 communes via owned centres, mobile teams, and the IA-TECH and ATESIA sub-brands.

Ownership category

akta.pro rank

Product category

Social Economy Healthcare and Medico-Social Services

NAICS

Services for the Elderly and Persons with Disabilities (62412), Nursing and Residential Care Facilities (623), Assisted Living Facilities for the Elderly (623312), Other Residential Care Facilities (62399)

SIC

Services-Social Services (8300), Services-Home Health Care Services (8082), Services-Nursing & Personal Care Facilities (8050), Services-Offices & Clinics Of Doctors Of Medicine (8011), Services-Health Services (8000)

akta.pro primary industry

Disability Services & Independent Living Support (BPAGAEAG)

akta.pro secondary industries

Private Duty Personal Care Agencies (Non-Medical Home Care Providers) (HLADAGAL), Skilled Home Health Aide Services (HHA/CNA under Skilled Plan of Care) (HLADAFAF), Independent Primary Care Practices (HLAFAGAA), Incontinence & Urological Supplies (Catheters, Briefs, Ostomy Supplies) (HSABAKAH), Independent Living Community Ancillary Services (Dining/Transportation/Wellness Programs) (HLADAAAI)

Keywords

• Mutual health services
• Dental care centers
• Optical retail services
• Home care assistance
• Disability support services

Headquarters

HQ city

Chalon-sur-Saône

HQ country

France

HQ region

Europe

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Healthcare and Social Care Reimbursements: As a social-economy entity operating conventionnée healthcare centres (dental, optical, hearing) and medico-social establishments, revenue is substantially derived from public health insurance reimbursements (Sécurité sociale) and mutual insurance top-ups for care services, supplemented by service fees paid by beneficiaries or their accompaniment orders.
2. Public Funding and Social Economy Grants: Medico-social establishments (ESAT, DITEP, DAME, SAMSAH, SAVS, SSIAD, CRT) receive public funding from the ARS (Regional Health Agency) and departmental councils for operating costs and social integration programmes.
3. Service Sales (Solidarity Services): Solidarity services (blanchisserie, espaces verts, restauration, horticulture, sous-traitance industrielle) generate commercial revenue from businesses, local authorities, and individuals, with 50% tax-credit eligibility for qualifying services under French law.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Mutualité Française Saône-et-Loire delivers affordable primary healthcare (optical, dental, hearing care through mutualist centers at Sector 1 tariffs with third-party payment) and medico-social services (home care, disability accommodations, professional integration, sheltered workshops) for elderly, disabled, and vulnerable residents across Saône-et-Loire. It also operates solidarity enterprises (industrial subcontracting, laundry, catering, horticulture) that employ people with disabilities and serve both individuals and enterprise clients such as Schneider Electric. The organization is owned by its members and reinvests surpluses into expanding its social-mission services.

Product overview

Mutualité Française Saône-et-Loire operates as a comprehensive healthcare and social services organization with a multi-service portfolio structure. The core offerings include primary healthcare services (optical, dental, and hearing care through the Écouter Voir network), home-based care services for elderly and disabled individuals (SAAD PH, SSIAD, ergotherapy), and disability services (residential, day care, employment support through ESAT and DISP). The organization also operates solidarity enterprises under the Atésia brand providing industrial subcontracting, horticultural production through Les Serres d'Atésia, and commercial services including laundry, restaurant, and green spaces. IA.Tech serves as the technology and innovation brand for home autonomy solutions, while the Centre de Ressources Territorial and Communauté 360 provide coordination and support services. The organization positions itself as a leader in social economy and solidarity within Saône-et-Loire, focused on accessibility and inclusion across all service lines.

Differentiator

Problem solved

Functional benefit

Brands

• Ellavie: Brand associated with the mutualité, mentioned in partnership communications.
• Atésia
• IA-TECH
• Les Serres d'Atésia
• Écouter Voir

Products and services

• Soins Mutualistes Optique (Optical Care) Optical care services including eye examinations, prescription glasses, sunglasses, and low-vision support delivered through the Écouter Voir retail network across Saône-et-Loire. Targeted at residents seeking accessible eyecare.
• Soins Mutualistes Audition (Hearing Care)
• Soins Mutualistes Dentaire (Dental Care)
• Autonomie à domicile (Home Autonomy Services)
• IA-TECH – Innovation, Autonomie, Technologie
• Handicap (Disability Services)
• Atésia (Industrial Subcontracting Workshops)
• Les Serres d'Atésia (Horticultural Production)
• Centre de Ressources Territorial (CRT)

Quantifiable outcome

• 97% of dental patients report being very satisfied with their care and remain loyal for over 3 years.
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Schneider ElectriccoreStrategic or Co-development Partner · 1 May 2026ATESIA workshops maintain an ongoing industrial subcontracting partnership with Schneider Electric's French factory. 18 ATESIA collaborators work daily on-site at Schneider Electric, performing assembly and electrical work. The quality of output has been publicly praised by Schneider Electric management. New joint projects are planned following positive results. The partnership demonstrates that inclusion of people with disabilities is compatible with industrial performance.
• Chocolaterie WettlingminorStrategic or Co-development Partner · 1 May 2026DAME l'Envol partnered with Chocolaterie Wettling in Chalon-sur-Saône for a solidarity Easter lottery project. Young people visited the chocolate shop using public transport to collect prizes, developing autonomy and life skills alongside a community business.
• Colisée Chalon-sur-SaôneminorGTM or Marketing Partner · 1 May 2026MFSL and Écouter Voir partnered with the Colisée arena in Chalon-sur-Saône for a handisport discovery day (December 2025), promoting inclusion and raising awareness of disability through sport. Free event open to all.
• Retina FranceminorStrategic or Co-development Partner · 1 March 2026Retina France partnered with Écouter Voir Louhans for a low-vision awareness animation event, raising visibility of invisible disabilities and the work of the association supporting people with retinal diseases.
• Habitat & Humanisme 71coreStrategic or Co-development Partner · 1 February 2026IA-TECH, the home-autonomy brand of MFSL, signed a contract for Assistance à Maîtrise d'Usage (AMU) with Habitat & Humanisme 71 as part of a generational/intergenerational housing construction project. Ergotherapists from MFSL advise the social landlord on designing accessible housing and common spaces for seniors and people with disabilities.
• Comité Miss BourgogneminorGTM or Marketing Partner · 1 February 2026Écouter Voir 71 partnered with the Miss Bourgogne committee; Miss Bourgogne 2025 (Charlène Laurin) and her first Dauphine chose their sunglasses at Écouter Voir 71, generating local media visibility for the brand.
• Association 'Tout Simplement Nous'minorGTM or Marketing Partner · 1 January 2026Écouter Voir 71 sponsored the 'Grande Tuerie' hip-hop battle (13th Nuit des Conservatoires 2026) via the association 'Tout Simplement Nous,' reaching younger audiences for visual and hearing health awareness. The event gathered 150–200 dancers and 600+ spectators.
• Mâcon HabitatminorStrategic or Co-development Partner · 1 November 2025DISP young people carried out a high-quality painting solidarity project in partnership with Mâcon Habitat and Central 71, renovating common areas of social housing buildings (Les Balcons de Saône, Mâcon). The project received coverage in Le Journal de Saône-et-Loire.
• OPAC (Office Public de l'Habitat de Chalon-sur-Saône)minorStrategic or Co-development Partner · 1 April 2025OPAC partnered with DISP young people on outdoor greening projects at OPAC premises (e.g., Espace Duhesme), providing real work experience in green spaces for young people with disabilities while improving OPAC's outdoor environments.
• CCAS de Chalon-sur-SaônecoreStrategic or Co-development Partner · 1 February 2025MFSL and the Centre Communal d'Action Sociale (CCAS) of Chalon-sur-Saône signed a partnership convention in February 2025 to strengthen accompaniment of dependent elderly persons. The Centre de Ressources Territorial (CRT) will provide respite solutions, psychological support, and prevention activities for Chalons residents, combating isolation and supporting aging in place.
• Le Mans UniversitéminorImplementation/ SI/ Consulting Partner · 1 January 2024Le Mans Université is conducting a scientific study to measure the impact of ATESIA's 'usine apprenante' (learning factory) initiative, accompanied by AMIPI, to evaluate outcomes on worker skill development and well-being.
• UMIH 71 (Union des Métiers et des Industries de l'Hôtellerie)minorStrategic or Co-development Partner · 1 January 2024MFSL President Gilles Deschamps signed a partnership convention with UMIH 71 President Patrick Revoyre to create inclusion and collaboration opportunities for DISP young people in the hospitality sector, under the patronage of Mâcon Mayor Jean-Patrick Courtois.

Scale indicators8 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• ANRH: French association operating ESAT and adapted enterprises for workers with disabilities, providing sheltered employment across France. Directly comparable to MFSL's ATESIA workshops and sheltered employment model.
• Mutualité Française: National federation of the French mutualist movement of which MFSL is a departmental member. Operates the same mutualist values, conventionné healthcare centre model, and social-economy positioning, providing direct comparability on governance, pricing, and service mix.
• Mutualité Française Bourguogne-Franche-Comté: Regional federation of Mutualité Française covering the same Bourgogne-Franche-Comté region. Direct regional peer on conventionné services, mutualist governance, and social-economy positioning.
• APF France Handicap: Major French disability services association operating SAMSAH, SAVS, residential and inclusion programmes. Directly comparable to MFSL's medico-social disability establishments (SAMSAH, SAVS, habitat inclusif, DISP) on population and service mix.
• ADMR (Aide à Domicile en Milieu Rural): France's leading network of non-profit home care services, operating SAAD/SSIAD-style services across rural France. Directly comparable to MFSL's SAAD PH, SSIAD, and home autonomy services in target population and delivery model.

Broad incumbents

• VYV (Groupe VYV): Largest French mutual health and social protection group, combining health insurance, healthcare services, and medico-social establishments. Comparable to MFSL in mission and service breadth (insurance + care delivery), but at national scale and with broader portfolio.
• MGEN: Major French mutual health group providing health insurance and operating healthcare and medico-social establishments. Comparable mutualist governance and integrated service model to MFSL, though at national scale and primarily civil-servant focused.
• Emeis (formerly Orpea): Major French and European operator of nursing homes, assisted living, and home care services. Comparable to MFSL's elderly care and CRT programmes on customer profile, though Emeis is a for-profit incumbent with national scale.
• Croix-Rouge française: French Red Cross operates an integrated network of healthcare, medico-social, and home-care services nationally. Comparable to MFSL's cross-sector social-care mission and nonprofit operating model, but with significantly broader geographic and service scope.

Regional players

• ADAPEI 71: Saône-et-Loire departmental association serving people with intellectual disabilities, operating ESAT, foyers, and inclusion services. Directly comparable to MFSL's disability establishments in the same department and target population.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Mutualite71
• YouTubeyoutube.com/channel/UCJ6zZ9BkWvb9CHSWkpsU_SQ
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/mutualit%C3%A9-fran%C3%A7aise-sa%C3%B4ne-et-loire

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Mutualité Française Saône-et-Loire