Visioretraite
Visioretraite is an independent French retirement advisory firm founded in 2015 in Saint-Étienne that delivers expert-retraite audits, accompaniment, and white-label diagnostic tools via videoconference to individuals, business owners, accounting firms, and enterprise HR departments across France and expatriates abroad.
- Company typePrivate
- Founded2015
- HeadquartersSaint-Étienne, France
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Visioretraite does
Visioretraite is an independent French retirement advisory firm founded in 2015 and headquartered in Saint-Étienne, Auvergne-Rhône-Alpes. The firm positions itself as creating the "expert-retraite" profession — a fee-for-service advisory role covering retirement law, strategy, optimization, taxation, and administrative management — explicitly distinguished from product-selling financial advisors by the absence of commissions on financial, insurance, or real-estate products. Services are delivered via videoconference and consist of a tiered portfolio: a free Diagnostic Retraite using the Sherlok BotAdvisor chatbot (24/7); a paid Audit Retraite priced at 540€ TTC per individual or 828€ TTC per couple; an optional Accompagnement individuel priced by time for complex cases (34.3% of audited cases); and B2B partner offerings including a white-label Sherlok BotAdvisor, Formation Référent Retraite, Assistance Retraite (hourly-credit back-office for HR), and Gestion PSE (employment-savings-plan support).
The firm reports 1,503 individual clients and 1,208 business-owner clients served, a 9.6/10 customer rating across 466 reviews, and ten years of operating history. Distribution combines product-led growth (free chatbot-driven diagnostic), direct sales through expert video consultations, and channel partnerships with accounting firms (Cerfrance Alliance Centre, Exaurev) and enterprise HR departments (Expanscience, SNF Floerger). Revenue comes from fixed-price audits, time-based professional-services accompaniment, enterprise contracts, and training programs. The company has no disclosed external funding, no parent entity, and is privately held with ~15 employees operating from a single Saint-Étienne headquarters.
Visioretraite firmographics
Firmographics- Name
- Visioretraite
- Legal name
- Visioretraite
- Website
- https://visioretraite.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Visioretraite is an independent French retirement advisory firm founded in 2015 in Saint-Étienne that delivers expert-retraite audits, accompaniment, and white-label diagnostic tools via videoconference to individuals, business owners, accounting firms, and enterprise HR departments across France and expatriates abroad.
- Ownership category
- akta.pro rank
Visioretraite industry classification
Industry- Product category
- Retirement Advisory Services
- NAICS
- Human Resources Consulting Services (541612)
- SIC
- Services-Management Consulting Services (8742), Investment Advice (6282)
- akta.pro primary industry
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
- akta.pro secondary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
Keywords
Where Visioretraite is headquartered
LocationHeadquarters
- HQ city
- Saint-Étienne
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Visioretraite business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Retirement Audit Services: Fixed-price retirement audits conducted via visioconference with expert-retraite advisors. Single person audit at 540€ TTC (450€ HT), couple audit at 828€ TTC (690€ HT).
- Individual Accompaniment: Customized retirement accompaniment services offered post-audit when complex situations require ongoing support. Priced based on time required, variable duration from hours to months/years.
- B2B Partner Services: Enterprise services for HR departments and accounting firms including Bilan Retraite, Sherlok BotAdvisor, Formation Référent Retraite, Assistance Retraite, and PSE Gestion.
- Free Diagnostic: Free 24/7 retirement diagnostic tool (BotAdvisor Sherlok) as lead generation - no direct revenue but drives conversion to paid services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Diagnostic - 24/7 automated retirement assessment |
| One time/ perpetual license | Pay-as-you-go | Retirement Audit Single Person - 450€HT / 540€TTC |
| One time/ perpetual license | Pay-as-you-go | Retirement Audit Couple - 690€HT / 828€TTC |
| Other | Pay-as-you-go | Individual Accompaniment - Variable pricing based on time |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Visioretraite product offering
Product offeringCore offering
Visioretraite is an independent French retirement advisory firm that helps individuals and business owners navigate the French pension system. It sells paid retirement audits conducted via videoconference with Expert-Retraite advisors (career reconstitution, error identification, optimization strategies), a free 24/7 AI diagnostic chatbot (Sherlok BotAdvisor), and ongoing individualized accompaniment. It also offers B2B partner services (white-label Bilan Retraite, Sherlok, Formation Référent Retraite, Assistance Retraite, Gestion PSE, Statut & Rémunération, Avantages Sociaux) to HR departments and accounting firms.
Product overview
Visioretraite is an independent retirement advisory firm offering a tiered service portfolio: free Diagnostic Retraite (24h/7j via Sherlok BotAdvisor) as entry point, paid Audit Retraite (540€ TTC single/828€ TTC couple) as core paid service, and customized Accompagnement individuel as optional follow-on. For partners, offerings include Sherlok (white-label BotAdvisor), Formation Référent Retraite, Assistance Retraite, Gestion PSE, and Option modules for business owner strategy (Statut & Rémunération, Avantages Sociaux). Services are delivered via videoconference with no products to sell.
Differentiator
Problem solved
Functional benefit
Brands
- Sherlok: BotAdvisor diagnostic tool for retirement assessment, available 24h/7d, at no cost.
Quantifiable outcome
- 62.57% of clients find the Audit alone sufficient - no additional accompaniment needed
- +3 more outcomes
Companies that use Visioretraite
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles4 records
Visioretraite technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Visioretraite partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Cerfrance Alliance CentrecorePartnership with Cerfrance Alliance Centre (agricultural accounting network) allowing them to accompany their members on retirement matters from A to Z. Jean-François LE PIRONNEC, Director of Member Support and Projects, endorses the solid partnership.
- ExaurevcoreHistorical partnership with Exaurev accounting firm. Chrystel CHAPELON, Partner at Exaurev, describes the vision: 'We are the experts-comptables of our clients and Visioretraite are the Experts-Retraite' - complementary expertise relationship.
- Pyramide ConseilsminorPartnership with Pyramide Conseils (management consulting firm) where PDG Ludovic RIBOULON offers clients access to Visioretraite's expertise, reactivity, objectivity and pedagogy.
- ExpansciencecorePartnership with Expanscience (pharmaceutical/healthcare company) where DRH Fanny DEBBI provides employees independent, high-added-value retirement support via visioconference, strengthening RSE policy.
- SNF FloergercorePartnership with SNF Floerger (chemical company) where DRH Renaud BRUNET uses Visioretraite for fine analysis and availability to support HR teams with employee retirement interviews after age 55.
- Sherlok (BotAdvisor)coreSherlok BotAdvisor platform powers the free 24/7 retirement diagnostic tool. Available in white-label format for enterprise partners to customize with their branding.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Visioretraite competitors and assessment
Company assessmentEmerging players
- Mon Petit Placement: French online investment and savings advisory platform for individuals, with retirement-planning features. Comparable in serving individual retail customers seeking independent, fee-based guidance, though broader in scope (savings, PEA, assurance-vie) than retirement-only.
- Nalo: French robo-advisor and wealth management platform serving individual investors with personalised, fee-only portfolios and retirement-projection tools. Comparable in fee-only, conflict-free positioning aimed at retail savers, with overlapping retirement-planning content.
- Linxo (Crédit Agricole): French personal finance aggregation and advisory app (now part of Crédit Agricole), offering budget tracking, savings and retirement projections. Comparable as a consumer-facing retirement-projection tool and freemium acquisition channel, though embedded inside a larger bank.
Broad incumbents
- Boursorama Banque: France's largest online bank and brokerage, owned by Société Générale, offering savings, brokerage, life insurance and retirement planning tools to retail customers. Comparable as a fee-based advisory channel for French individuals, though retirement is one product among many.
- Primonial: Major French wealth and asset management group offering retirement, real-estate and life-insurance advisory to individuals and business owners. Overlaps in retirement strategy for entrepreneurs and high-net-worth individuals, but operates as a large product-selling incumbent.
- Harvest: Established French fintech providing wealth, retirement and financial-planning software and advisory tools to financial professionals and accounting firms. Overlaps with Visioretraite's expert-advisory tooling and accounting-firm channel, but serves a broader wealth-management portfolio.
Direct peers
- Epsor: French employee savings and retirement platform (formerly known as Mattermost / specific to PERCO/PER) offering retirement savings, employer schemes and accompagnement. Comparable in retirement-only focus and B2B HR/employer channel distribution.
- Magnolia Conseils / Magnolia Patrimoine: Independent French wealth and retirement advisory firm serving business owners and individuals on retirement optimisation, remuneration strategy and patrimonial planning. Direct peer in the fee-only, conflict-free niche targeting French chefs d'entreprise.
- Sapiendo: French online retirement advisory platform offering personalised retirement simulations, diagnostics and expert accompagnement to individuals and businesses. Directly comparable in target market, freemium diagnostic entry-point, and B2B partner offerings.
Regional players
- Alixio RH / Alixio Retraite: French HR consulting and restructuring group with dedicated retirement and PSE services for enterprises. Comparable in HR-side retirement consulting (Bilan, Formation, PSE Gestion) sold to corporate HR departments, though within a much broader restructuring portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Visioretraite social profiles
Digital presenceVisioretraite financial estimates
Financial estimateRevenue estimate
Valuation estimate
Visioretraite leadership team
Management profileNumber of profiles
Visioretraite funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Visioretraite M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Visioretraite
What does Visioretraite do?
Visioretraite is an independent French retirement advisory firm that helps individuals and business owners navigate the French pension system. It sells paid retirement audits conducted via videoconference with Expert-Retraite advisors (career reconstitution, error identification, optimization strategies), a free 24/7 AI diagnostic chatbot (Sherlok BotAdvisor), and ongoing individualized accompaniment. It also offers B2B partner services (white-label Bilan Retraite, Sherlok, Formation Référent Retraite, Assistance Retraite, Gestion PSE, Statut & Rémunération, Avantages Sociaux) to HR departments and accounting firms.
Is Visioretraite a public or private company?
Visioretraite is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Visioretraite founded?
Visioretraite was founded in 2015. It employs 11 to 50 people.
Where is Visioretraite based?
Visioretraite is headquartered in Saint-Étienne, France, in the Europe region.
How does Visioretraite make money?
Four revenue lines are on record. Retirement Audit Services are the primary driver. The others are individual Accompaniment, B2B Partner Services and free Diagnostic.
Who are Visioretraite's main competitors?
Emerging players on record are Mon Petit Placement, Nalo and Linxo (Crédit Agricole). Broad incumbents are Boursorama Banque, Primonial and Harvest. Direct peers are Epsor, Magnolia Conseils / Magnolia Patrimoine and Sapiendo. Alixio RH / Alixio Retraite is listed as a regional player.
Does Visioretraite have an API?
No public API is recorded for Visioretraite.
What industry is Visioretraite in?
Visioretraite's product category is Retirement Advisory Services. Its primary akta.pro industry code is FSAEABAF, Retirement Plan Participant Advice & Managed Accounts, with a secondary code of FSAEABAD, Retirement Income Planning & Decumulation Advisory. Its NAICS code is 541612 and its SIC code is 8742.