CMCAS

What CMCAS does

CMCAS (Caisse Mutuelle Complémentaire d'Action Sociale) is the local branch network of CCAS (Caisse Centrale d'Action Sociale), the French social welfare body serving employees and retirees of EDF, Engie and other Industries Électriques et Gazières (IEG) companies. The organization delivers a comprehensive suite of social protection benefits to active employees, retirees and their dependents, including mutual insurance coverage, vacation and leisure activities, holiday accommodations, health and wellness programs, financial and hardship assistance, and cultural and educational activities. Each of approximately 80 numbered CMCAS entities operates as a locally governed branch responsible for direct service delivery to beneficiaries in its catchment area, with governance shared with employee representatives and funding flowing via employer contributions from the IEG sector.

The network operates through over 60 physical branch offices covering every metropolitan French region and six overseas territories (Guadeloupe, Guyane, Martinique, Mayotte, La Réunion, Saint-Pierre-et-Miquelon), supported by a centralized web portal (portail.cmcas.com) that functions as a directory of local CMCAS offices and a gateway to CCAS-level content, including an online journal and corporate site (ccas.fr). CMCAS is structured as a mutual social welfare organization (œuvre sociale) rather than a commercial enterprise: it has no publicly disclosed revenue, no proprietary technology platform, no patent portfolio, no disclosed partnerships, and is not privately owned or venture-backed. Its ownership and governance framework is rooted in the French social protection regime for energy-sector workers, with CCAS acting as the parent coordinating body.

With only 63 directly listed employees, CMCAS relies heavily on its local-branch infrastructure and the broader CCAS ecosystem to deliver proximity-based services across France. The organization's strategic posture is that of a mature, stable institution focused on consolidating its existing footprint (evidenced by the merger of CMCAS Montluçon into CMCAS Allier-Creuse-Combrailles) rather than expanding into new markets, customer segments, or product lines. Distribution is entirely direct via physical offices and the digital portal, with no third-party resellers, marketplace channels, or external pricing mechanisms; beneficiary eligibility is determined exclusively by employment status within the IEG sector.

Name

CMCAS

Legal name

CMCAS (Caisse Mutuelle Complémentaire d'Action Sociale)

Website

https://portail.cmcas.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

CMCAS (Caisse Mutuelle Complémentaire d'Action Sociale) is the local branch network of CCAS, providing social welfare benefits (mutual insurance, vacations, health, financial aid, cultural activities) to active and retired employees of EDF, Engie and other French energy-sector companies through over 60 offices across metropolitan France and overseas territories.

Ownership category

akta.pro rank

Headquarters

HQ city

Agen

HQ country

France

HQ region

Europe

Offices66 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Others

Distribution channels1 record

Marketing channels2 records

Core offering

CMCAS (Caisse Mutuelle Complémentaire d'Action Sociale) is a network of mutual social welfare organizations operating as the local service arm of CCAS (Caisse Centrale d'Action Sociale). It provides social, cultural, recreational, health, financial, and vacation-related services to active and retired employees of EDF (Électricité de France) and other energy sector companies (Industries Électriques et Gazières) across metropolitan France and French overseas territories. The organization delivers these benefits through approximately 80 local CMCAS branches and an online portal.

Product overview

CMCAS (Caisse Mutuelle Complémentaire d'Action Sociale) is a social welfare organization providing local social services, activities, and support to employees of energy companies (EDF, Engie) and their families across France. The organization operates through a network of regional branches (CMCAS offices) that deliver proximity-based social services, cultural activities, vacation support, and community programs to their members. The portal serves as a directory connecting members with their local CMCAS branches.

Differentiator

Problem solved

Functional benefit

Products and services

• Social Protection and Mutual Insurance
• Vacation and Holiday Accommodations
• Health and Wellness Programs
• Financial Assistance and Social Aid
• Cultural and Educational Activities

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Klesia: French mutual protection group serving energy, industry, and service-sector employees with health, retirement, and welfare benefits. Highly comparable as a sector-specific mutual operating a parallel social welfare model for energy-industry workers.
• CCAS (Caisse Centrale d'Action Sociale): The national umbrella body that CMCAS is the local operating arm of; together they constitute the welfare network for French IEG-sector employees. Directly comparable as the centralized coordination tier of the same operating model.
• PRO BTP: Group of mutuals providing social protection, health, vacation, and welfare benefits to construction-sector employees in France. Directly comparable structure to CMCAS but operating in the building trades instead of the energy sector.
• B2V (Gestion Sociale des Industries Électriques et Gazières): Joint management body for retirement and complementary welfare benefits within the French IEG sector, closely linked to the same employer/employee governance as CMCAS. Direct sectoral peer with overlapping mission in IEG social welfare.
• CNIEG (Caisse Nationale des Industries Électriques et Gazières): Statutory pension and social-protection fund specifically serving the French IEG sector. Highly comparable as the dedicated IEG-sector social-protection institution sitting alongside CMCAS within the same regulatory regime.

Broad incumbents

• Vyv Group: Leading French mutual solidarity group combining health, welfare, and care services across multiple affiliated mutuals. Comparable as a large-scale mutual operator in social protection and member services.
• AG2R La Mondiale: One of France's largest mutual insurance and social protection groups, serving retirement, health, savings, and welfare needs across multiple industries. Comparable as a broader incumbent in the French mutual welfare and social-protection market.
• AGIRC-ARRCO: Federation managing France's compulsory complementary retirement scheme for private-sector employees. Comparable as a major French social-protection institution funded by employer/employee contributions with a sector-wide mandate.
• Harmonie Mutuelle: Member of the Vyv group and one of France's largest health mutuals, serving individual and corporate members with health, welfare, and social services. Comparable in the mutual/welfare delivery model though operating primarily in health insurance.
• Malakoff Humanis: Major French mutual group providing health, retirement, and welfare services to corporate clients across many industries. Comparable as a large, diversified French mutual competing for similar corporate welfare mandates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubevimeo.com/ccas
• Facebookfacebook.com/activitessociales
• Instagraminstagram.com/ccasasnrj
• LinkedInlinkedin.com/company/cmcas

Revenue estimate

Valuation estimate

Number of profiles

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 CMCAS