SERVICE DES RETRAITES DE L'ETAT

What SERVICE DES RETRAITES DE L'ETAT does

Service des Retraites de l'État (SRE) is a French government administrative service (service déconcentré de l'État) operating under the Direction Générale des Finances Publiques (DGFiP) within the Ministry of Finance. It is the exclusive administrator of the special pension regime for French State civil servants, magistrates, and military personnel under the Code des pensions civiles et militaires de retraite. SRE handles the full lifecycle of state pensions: career record verification, pension calculation, benefit disbursement, survivor (réversion) and orphan pensions, and invalidity benefits. Service is delivered to a statutorily defined population including active employees, retirees, and their families across metropolitan France and overseas territories (French Polynesia, Wallis and Futuna, New Caledonia, Saint-Pierre and Miquelon).

The primary operational platform is ENSAP (Espace Numérique Sécurisé de l'Agent Public), a secure digital portal developed by DGFiP that provides civil servants and military personnel with access to their Compte Individuel Retraite (CIR) — a quarterly-updated individual retirement account — plus a retirement calculator (Simulateur de retraite, accessible from age 45 for civil servants, age 33 for military) and the Entretien Information Retraite (EIR) personalized advisory service, which has been ISO 9001/2015 certified (AFAQ by AFNOR) since 2020. Supporting infrastructure includes the Mon Parcours Retraite guidance portal, FranceConnect identity federation, Matomo analytics under CNIL exemption rules, and inter-regime data exchange via GIP Union Retraite and Info Retraite. Supplementary pension administration is coordinated with ERAFP for the RAFP point-based scheme.

SRE is not a commercial enterprise: it has no revenue model, no pricing, no funding rounds, and no investors. Its activities are funded through public budgetary mechanisms and employee/employer contributions (cotisations). The headquarters is at 10 boulevard Gaston Doumergue, 44964 Nantes cedex 9, with approximately 51-100 staff. Its competitive position derives entirely from statutory exclusivity rather than commercial differentiation.

Name

SERVICE DES RETRAITES DE L'ETAT

Legal name

Service des Retraites de l'État

Website

https://retraitesdeletat.gouv.fr

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Service des Retraites de l'État (SRE) is the French government agency administering civil servant, magistrate, and military pensions under DGFiP, delivering career tracking, pension calculation, benefit payments, and survivor benefits via the ENSAP digital portal and statutory inter-regime coordination.

Ownership category

akta.pro rank

Product category

Public Pension Administration

NAICS

Administration of Veterans' Affairs (92314), Executive, Legislative, and Other General Government Support (921)

SIC

Services-Social Services (8300)

akta.pro primary industry

Veterans & Military Family Benefits Administration (BPAIAKAI)

akta.pro secondary industries

Disability Benefits Administration (BPAIAKAC), State/Provincial Human Services & Benefits Administration (Welfare, Disability, Child & Family) (BPAIABAI)

Keywords

• Public pension administration
• Civil servant pensions
• Military retirement benefits
• Government pension services
• Pension fund management

Headquarters

HQ city

Nantes, Paysdelaloire

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Distribution channels4 records

Marketing channels4 records

Core offering

Service des Retraites de l'État (SRE) is the French government agency that administers state pensions for civil servants, magistrates, and military personnel under the Code des pensions civiles et militaires de retraite. It manages career records, calculates pension amounts, processes retirement applications, disburses payments, and handles survivor and disability benefits through the secure ENSAP digital portal.

Product overview

SERVICE DES RETRAITES DE L'ETAT is the French government pension administration for state employees (civil servants, magistrates, and military personnel) under the Direction générale des Finances Publiques. The service operates primarily through ENSAP, a secure digital portal where users manage their individual retirement accounts, access simulators, and submit retirement requests. Supporting platforms include Mon Parcours Retraite (guiding users to relevant services), info-retraite.fr (cross-regime retirement account), and RAFP (additional pension scheme). Services are organized for distinct user populations: active employees, retirees, survivors, and people with disabilities, with both self-service digital tools and personalized advisory services (Entretien Information Retraite) available.

Differentiator

Problem solved

Functional benefit

Brands

• ENSAP (Espace Numérique Sécurisé de l'Agent Public): The secure digital space for public agents to access their retirement accounts, estimates, and pension management services.
• Mon Parcours Retraite
• Mon Parcours Retraite de l'État

Products and services

• ENSAP (Espace Numérique Sécurisé de l'Agent Public) Secure online portal enabling French public sector employees and retirees to access their individual retirement account (Compte Individuel Retraite), simulate retirement calculations, view salary documents, and submit pension-related requests. Accessible via FranceConnect authentication at ensap.gouv.fr.
• Mon Parcours Retraite Interactive guide website that orients users to relevant SRE services and information based on their retirement profile and needs. No personal data is retained during navigation.
• info-retraite.fr Inter-regime retirement portal providing access to career history (Ma carrière) and retirement estimates (Mon estimation retraite) across all French pension regimes. Aggregates data from GIP Union Retraite.
• Retirement Simulator (Simulateur de retraite) Online calculator accessible via ENSAP projecting retirement pension amounts based on individual retirement account data, with adjustable parameters for departure date, career index, and work percentage.
• Entretien Information Retraite (EIR) Personalized retirement information interview service with certified expert advisors, available to public servants within seven years of retirement. Includes projections of future retirement income.
• Retraite Additionnelle (RAFP) Additional mandatory point-based retirement scheme for civil servants and military personnel. Managed in coordination with ERAFP for collecting contributions on supplemental pay elements and liquidating pension rights.
• Account Quality Campaigns (DRQC) Periodic campaigns to improve the quality of Comptes Individuels de Retraite. Users receive notifications via ENSAP to review and validate their career data.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• DGFiP (Direction Générale des Finances Publiques)coreTechnology or IntegrationDGFiP developed the ENSAP (Espace Numérique Sécurisé de l'Agent Public) digital platform used by SRE for pension management. The platform was built on shared technical foundations serving both SRE and DGFiP's pension management needs.
• ERAFP (Établissement de la Retraite Additionnelle de la Fonction Publique)coreTechnology or IntegrationERAFP manages the administrative rights to additional retirement (retraite additionnelle) including collecting contributions on supplemental pay elements and liquidating pension rights. SRE coordinates with ERAFP for additional pension calculations and payments.
• GIP Union RetraitecoreTechnology or IntegrationGroupement d'Intérêt Public providing inter-regime retirement data aggregation. SRE receives career data from other pension regimes through this platform for comprehensive individual retirement accounts.
• Info Retraite (GIP ensemble des régimes de retraite)coreChannel Partner/ Reseller/ DistributorNational inter-regime retirement portal aggregating data from all French pension regimes. SRE participates as one of the contributing regimes, enabling users to access consolidated career records and submit multi-regime retirement applications.

Recent moves6 records

Expansion highlights5 records

Direct peers

• Info Retraite (GIP Union Retraite): Inter-regime retirement portal aggregating data from all French pension regimes. SRE is a contributing participant; the platform is a co-peer in serving unified retirement information to French workers across regimes.
• CNAV (Caisse Nationale d'Assurance Vieillesse): The French national pension fund administering old-age insurance for private-sector employees under the general regime. Most directly comparable to SRE as a sister pension regime serving a different worker population, using similar digital account (info-retraite.fr) and inter-regime coordination.
• ERAFP (Établissement de la Retraite Additionnelle de la Fonction Publique): Manages the additional (mandatory point-based) pension scheme for French civil servants and military. Direct peer given SRE's coordination role with ERAFP for additional pension calculations, serving an overlapping beneficiary population.
• AGIRC-ARRCO: Federation managing complementary retirement for all private-sector employees in France. Comparable as a large-scale pension administration body coordinating with SRE through inter-regime data exchange and serving a similarly broad population via digital self-service tools.
• Ircantec: French supplementary pension scheme for non-titular public-sector employees (contractors, interns). Comparable as a public-sector pension administrator using the same inter-regime digital infrastructure and serving an adjacent workforce.
• CNRACL (Caisse Nationale de Retraite des Agents des Collectivités Locales): French pension fund for local and hospital public-sector employees. Closely analogous to SRE in serving a public-sector workforce with a dedicated pension regime; both operate under France's inter-regime framework and share digital infrastructure patterns.

Broad incumbents

• Sécurité Sociale (Acoss / Urssaf): French social security collection and broader welfare administration body. Wider remit than SRE but operates the contribution-collection backbone and digital infrastructure that underpin SRE's data flows, making it a broader incumbent peer.

Regional players

• MyCSP / Civil Service Pensions (UK): Administrator of the UK Civil Service Pension Scheme, a defined-benefit occupational pension for UK government employees. Functionally analogous to SRE for a different national civil service, with similar scheme-management, member-services, and digital-account mandates.
• OPM (US Office of Personnel Management) - Retirement Services: Administers retirement benefits for US federal civil servants, including CSRS and FERS. Direct functional analogue to SRE across an ocean - dedicated government pension administrator with statutory monopoly and digital self-service strategy.
• Versorgungswerk (German Civil Servant Pension): German federal and state-level pension provisioning systems for Beamte (civil servants). Comparable in role to SRE for a different national public-sector workforce, with similar statutory exclusivity and career-to-retirement data flows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/service-des-retraites-de-l'etat

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 SERVICE DES RETRAITES DE L'ETAT