Groupe Ircem
Groupe Ircem is a French not-for-profit social protection group serving over 5 million clients in the home employment sector through complementary retirement, provident insurance, mutual health coverage, and social action services, operating as the first SGAPS in France under ACPR supervision.
- Company typePrivate
- Founded1973
- HeadquartersRoubaix, France
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Groupe Ircem does
Groupe Ircem is a French not-for-profit social protection group founded in 1973, headquartered in Roubaix, that exclusively serves the home employment sector (particuliers employeurs and home service employees). The group manages complementary retirement through Ircem Agirc-Arrco, provident insurance through Ircem Prévoyance, and voluntary mutual health insurance through Ircem Mutuelle, collectively serving over 5 million clients under a paritary governance model. It was the first SGAPS (Société de Groupe Assurantiel de Protection Sociale) created in France in 2016 and operates under ACPR supervision with €737.6M in equity capital covering 2.13x the Solvency Capital Requirement.
The group's revenue model is anchored by mandatory social contributions (cotisations) collected automatically through URSSAF, which redistribute to Ircem entities as the designated sector manager under the National Collective Agreement (CCN). In 2025, pension contributions reached €1,301.1M (+0.71% YoY), Ircem Prévoyance generated €360.7M (+1.8%), and Ircem Mutuelle achieved €33.9M driven by a new 'Santé' product range. The group reinvests all surplus into member services via the 'dividende social' model, channeling approximately €300M+ through social action and prevention programs benefiting nearly 300,000 people annually.
Distribution is hybrid: mandatory flows via URSSAF and the National Collective Agreement framework, complemented by the France Emploi Domicile physical network (co-founded with IPERIA and FEPEM in 2018), the CESU mechanism, and digital portals (ircem.com and ircem.eu). Technology plays a supporting role via the proprietary 'algorithme de bienveillance' (well-being algorithm) — an AI-driven predictive analytics tool that detects pre-frailty situations to combat the ~30% non-take-up rate of social rights among members. The group's strategic agenda, articulated through the CAP 2027 plan and the Fabrique du Mieux-Vivre initiative, centers on expanding the impact investment fund (€20M target), research partnerships (IHU HealthAge excellence chair), and prevention services, with all activity governed by ISO 9001 certification and ACPR oversight.
Groupe Ircem firmographics
Firmographics- Name
- Groupe Ircem
- Legal name
- IRCEM Gestion
- Website
- https://ircem.eu
- Company type
- Private
- Founded year
- 1973
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Groupe Ircem is a French not-for-profit social protection group serving over 5 million clients in the home employment sector through complementary retirement, provident insurance, mutual health coverage, and social action services, operating as the first SGAPS in France under ACPR supervision.
- Ownership category
- akta.pro rank
Groupe Ircem industry classification
Industry- Product category
- Social Protection and Insurance
- NAICS
- Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120), Pension Funds (525110), Professional Employer Organizations (561330)
- SIC
- Services-Membership Organizations (8600), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
- akta.pro secondary industry
- Group Annuities (Employer/Institutional) (FSAIACAI)
Keywords
Where Groupe Ircem is headquartered
LocationHeadquarters
- HQ city
- Roubaix
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Groupe Ircem business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Retraite Complémentaire (Complementary Pension): Mandatory complementary pension contributions managed on behalf of employees in the home services sector through Ircem Agirc-Arrco. Contributions are deducted at source and accumulate retirement rights. Cotisations reached 1,301.1 million euros in 2025, up 0.71% YoY.
- Prévoyance (Provident Insurance): Complementary provident insurance covering risks of work stoppage, disability, and death for home service employees, mandated by the National Collective Agreement. Ircem Prévoyance generated 360.7 million euros in revenue in 2025 (+1.8%), with 246.4 million euros in benefits paid. 97% tied to the home employer sector.
- Mutuelle (Mutual Health Insurance): Voluntary complementary health insurance for home service sector employees and retirees. Ircem Mutuelle achieved 33.9 million euros in revenue in 2025 driven by the new 'Santé' product range launched in early 2025. 18.9 million euros in benefits were paid.
- Action Sociale (Social Action Budget): Social action budget funded by the 'dividende social' — the reinvestment of surplus results into member services. Near 300,000 people benefited from social and preventive support in 2025. Budgets fund housing adaptations, autonomy support, caregiver assistance, and preventive health programs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Mandatory statutory contributions (cotisations) for complementary pension, provident insurance, and supplementary health |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels9 records
Groupe Ircem product offering
Product offeringCore offering
Groupe Ircem is a non-profit social protection group that manages complementary pension, provident insurance, mutual health insurance, social action, and prevention services for more than 5 million clients in France's home employment sector. Its services are delivered through three regulated institutions (Ircem Agirc-Arrco, Ircem Prévoyance, and Ircem Mutuelle), funded primarily by mandatory social contributions collected via URSSAF, with all surpluses reinvested into member services under the "dividende social" model.
Product overview
Groupe Ircem operates as a social protection group comprising three core institutions: Ircem Agirc-Arrco (complementary retirement), Ircem Prévoyance (provident insurance), and Ircem Mutuelle (health insurance), supported by social action and prevention services. The group serves over 5 million clients in the home employment sector through complementary offerings that span from retirement contributions and insurance coverage to health mutual plans and social support programs. Strategic initiatives include the Fabrique du Mieux-Vivre, which integrates research partnerships like the IHU HealthAge excellence chair, the Ircem Foundation, and an impact investment fund for innovative social projects. Digital services are accessible through Ircem.com and France Emploi Domicile network.
Differentiator
Problem solved
Functional benefit
Companies that use Groupe Ircem
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Groupe Ircem technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature1 record
Groupe Ircem partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered core and minor.
- Petits Frères des PauvrescoreIn May 2025, Ircem and Petits Frères des Pauvres signed a partnership convention to jointly prevent and combat social isolation among home service employees and retirees. The partnership leverages both organizations' expertise to address the isolation faced by 90% female, often single-parent home sector workers.
- IHU HealthAge (Toulouse)coreIHU HealthAge is the only institute in France and Europe exclusively dedicated to healthy aging. Ircem joined as an ambassador in 2024 and co-founded France's first excellence chair on 'Mieux-Vivre' (well-living), chaired by Prof. Bruno Vellas. The partnership drives scientific research into the specific health needs of home service retirees, including participation in the WHO ICOPE clinical trial with 150 retired members.
- France Parkinson / Fondation d'Entreprise IRCEMcoreThe Ircem Corporate Foundation (created 2013) concentrates its actions on rare diseases affecting children and Parkinson's disease. Foundation supports France Parkinson's research and caregiver programs, including an exclusive survey of 1,619 Parkinson spouse caregivers (2022).
- Aréli — Programme EmergenceminorIrcem serves as Grand Partenaire (Grand Partner) of the Aréli Programme Emergence since 2021, supporting higher education access for 30-50 young baccalaureate holders from modest backgrounds in Hauts-de-France annually. Ircem provides financial support (scholarships, housing aid, international internship funding) and voluntary mentor matching (10+ employees per year).
- Lilo.orgminorSince 2020, Ircem has partnered with the French solidarity search engine Lilo.org, which funds social and environmental projects from search ad revenue. Ircem directs its accumulated 'water drops' to the Astrée association, which works to prevent isolation at all ages.
- Bio Incubateur EurasantéminorSince 2020, Ircem has been reference partner and member of the investment committee of the Bio Incubateur Eurasanté, supporting French startups in primary and secondary prevention and curative projects, based in the Hauts-de-France region.
- My Human KitminorIrcem's Action Sociale department provided financial support to My Human Kit, an innovative structure developing technical aids for various disabilities based on sharing and co-creation principles. The Rennes-based association aims to change perspectives on disability and enable low-cost production of technical aids.
- France Emploi DomicilecoreCreated in 2018 by Ircem, IPERIA l'Institut, and FEPEM, the France Emploi Domicile network operates agencies throughout France. It provides a single point of information and service for both individual employers and home service employees, pooling the expertise of three key sector stakeholders to facilitate administrative processes and social protection access.
- Musée de La Piscine (Roubaix)minorIrcem has been patron of Musée de La Piscine — Musée d'art et d'industrie André Diligent in Roubaix since 2001. The museum, housed in a historic Art Deco former swimming pool, is a flagship cultural institution in Hauts-de-France. Ircem supports collection enrichment, artwork restoration, temporary exhibitions, and youth outreach programs.
- APNI (Association Paritaire Nationale Interbranche)coreAPNI's primary mission is to ensure and develop social guarantees for home sector employees and childcare assistants working for private individuals. Ircem collaborates with APNI within the sector's collective agreement framework.
- IPERIA l'InstitutcoreIPERIA is a national institute playing an essential role in training and valorizing home care professions: childcare assistants, life assistants, and family employees. Co-founder of France Emploi Domicile network alongside Ircem and FEPEM.
- Agirc-ArrcocoreAgirc-Arrco is France's mandatory complementary pension scheme for private sector employees. Ircem Agirc-Arrco is a member of the Agirc-Arrco federations, managing complementary pensions specifically for the home employment sector.
- Mutualité FrançaiseminorThe Mutualité Française is a federation grouping the majority of health mutuals in France, representing a social movement based on solidarity and non-profit principles. Ircem Mutuelle operates within this ecosystem.
- URSSAFcoreURSSAF (Union de Recouvrement des cotisations de Sécurité Sociale et d'Allocations Familiales) is the essential French body for financing social protection. URSSAF collects and redistributes contributions to Ircem's pension, provident, and health insurance entities.
- Assurance Maladie (Ameli)minorAssurance Maladie is the essential component of France's social security system dedicated to health coverage. Ircem collaborates with Ameli to provide supplementary health coverage complementing the national system.
- FEPEM (Fédération des Particuliers Employeurs)coreFEPEM is the federation representing individual employers in France. Co-founder of France Emploi Domicile network alongside Ircem and IPERIA. Works on sector regulation, collective agreement development, and sector promotion.
- Université du DomicileminorUniversité du Domicile is an emerging initiative to structure and valorize knowledge and skills related to home care professions. Supports sector professionalization and credential recognition.
- FMF (Fédération Mandataires de l'emploi à domicile)minorFMF supports, assists, and advises a network of mandated home employment organizations. Contributes to sector standards and the distribution of social protection through mandated employment structures.
- CTIP (Centre Technique des Institutions de Prévoyance)minorCTIP is the professional organization representing provident institutions in France. Ircem Prévoyance operates within CTIP's framework and adheres to its standards.
- Association des Paralysés de France (APF France Handicap)minorIrcem works with APF France Handicap for the maintenance of its green spaces at the Roubaix headquarters. APF, recognized as a public utility organization, is France's largest organization defending and representing people with disabilities.
- ELISE (Association d'insertion)minorIrcem partners with ELISE for the collection and processing of paper waste. ELISE combines environmental protection with the creation of sustainable jobs for people with disabilities in Hauts-de-France.
- EFFE (Fédération Européenne des Emplois de la Famille)coreEFFE is the European Federation for Home Care. Ircem joined EFFE in 2015 to promote and defend the home care employment sector at the European level. Serge Da Mariana spoke as Grand Témoin at EFFE's 10th Congress in Brussels in November 2023.
Scale indicators18 records
Recent moves6 records
Expansion highlights6 records
Groupe Ircem competitors and assessment
Company assessmentDirect peers
- Henner: French group health insurance broker and administrator with strong focus on employee benefits for SMEs and professional sectors. Comparable group social protection administration role, particularly for voluntary health coverage.
- Pro BTP: Social protection group dedicated exclusively to the construction sector under collective agreement framework. Mirrors Ircem's model of sectoral specialization with multi-pillar offerings (pension, prévoyance, mutuelle) and CCN-driven mandate.
- Klesia: French social protection group serving multiple professional sectors with complementary pension, provident, and health insurance offerings. Operates a similar SGAPS group structure and competes for the same paritary-designated sectoral protection mandates as Ircem.
- Audiens: Social protection group serving the culture, media, and entertainment sectors under specific collective agreements. Closely comparable to Ircem's sector-specialized, CCN-designated social protection model with paritary governance.
- AG2R La Mondiale: One of France's leading social protection groups, managing complementary pensions, provident insurance, and health insurance for retirees and active workers across multiple sectors. Operates an SGAPS structure with comparable breadth of products and paritary governance.
- APICIL: French social protection group managing complementary pensions, provident insurance, and health coverage for multiple professional sectors. Comparable SGAPS structure and multi-employer focus with similar product breadth.
- Malakoff Humanis: Major French social protection group providing complementary pension, health, provident, and social action services. SGAPS structure with a similar multi-pillar offering and sector-specific CCN designations, directly competing for paritary mandates.
Broad incumbents
- VYV: France's leading mutual health insurance group with broad market presence across health, prévoyance, and care services. Larger and more diversified than Ircem but directly overlapping in mutual health offerings and social action programs.
- CNP Assurances: Major French insurance group with strong presence in complementary pensions, including partnerships across the Agirc-Arrco ecosystem. Overlaps with Ircem Agirc-Arrco's pension management activity at scale as a broad incumbent.
- Groupama: Large French mutual insurance group with broad offerings in health, prévoyance, and property/casualty. A broader mutual incumbent comparable in the insurance and prévoyance space, though not sector-specialized like Ircem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Groupe Ircem social profiles
Digital presenceGroupe Ircem compliance and trust
Trust signalCompliance3 records
Groupe Ircem financial estimates
Financial estimateRevenue estimate
Valuation estimate
Groupe Ircem leadership team
Management profileNumber of profiles
Groupe Ircem subsidiaries and ownership
Company hierarchySubsidiaries3 records
Groupe Ircem funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Groupe Ircem 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 Groupe Ircem
What does Groupe Ircem do?
Groupe Ircem is a non-profit social protection group that manages complementary pension, provident insurance, mutual health insurance, social action, and prevention services for more than 5 million clients in France's home employment sector. Its services are delivered through three regulated institutions (Ircem Agirc-Arrco, Ircem Prévoyance, and Ircem Mutuelle), funded primarily by mandatory social contributions collected via URSSAF, with all surpluses reinvested into member services under the "dividende social" model.
Is Groupe Ircem a public or private company?
Groupe Ircem is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Groupe Ircem founded?
Groupe Ircem was founded in 1973. It employs 251 to 500 people.
Where is Groupe Ircem based?
Groupe Ircem is headquartered in Roubaix, France, in the Europe region.
How does Groupe Ircem make money?
Four revenue lines are on record. Retraite Complémentaire (Complementary Pension) is the primary driver. The others are prévoyance (Provident Insurance), mutuelle (Mutual Health Insurance) and action Sociale (Social Action Budget).
Who are Groupe Ircem's main competitors?
Direct peers on record are Henner, Pro BTP, Klesia, Audiens, AG2R La Mondiale, APICIL and Malakoff Humanis. Broad incumbents are VYV, CNP Assurances and Groupama.
Does Groupe Ircem have an API?
No public API is recorded for Groupe Ircem.
What industry is Groupe Ircem in?
Groupe Ircem's product category is Social Protection and Insurance. Its primary akta.pro industry code is FSAIAFAH, Association & PEO Group Health Plans (AHP/PEO-Sponsored), with a secondary code of FSAIACAI, Group Annuities (Employer/Institutional). Its NAICS code is 5251 and its SIC code is 8600.