REGARDBTP

What REGARDBTP does

REGARD Solutions d'Épargne Salariale (commercial name REGARD BTP) is a French employee savings and retirement plan coordinator serving the Bâtiment (Construction) and Travaux Publics (Public Works) sectors. Founded in 1969 and wholly owned by the PRO BTP mutual group, the company administers PEE (Plan d'Épargne Entreprise), PEI (Plan d'Épargne Interentreprises), PERCO (Plan d'Épargne Retraite Collectif), and PER (Plan d'Épargne Retraite) plans on behalf of BTP-sector employers and their current employees, former employees, retirees, and pre-retirees. REGARD is not itself an asset manager: employee savings are invested in FCPE (Fonds Communs de Placement d'Entreprise) funds managed by sister entity PRO BTP FINANCE, and the company positions itself as the regulated coordinator that informs participants and guarantees reimbursement of their holdings.

The product architecture combines employer-facing administration (onboarding, contribution declarations, employee communication) with employee-facing digital channels, including a secure web portal (Mon Espace Salarié) and a mobile application. A 'Gestion Pilotée' module offers automated, horizon-based de-risking for retirement savers as they approach retirement. A 2021 partnership with EPSENS and fintech Fundvisory added a 100% online advisory service, and the firm announced a digital platform refresh ('Nouveaux Espaces Epargne Salariale') for 2026.

Revenue is generated through managed-services fees on assets under administration, though figures are not publicly disclosed. Distribution runs through two channels: a direct digital self-service platform for both employers and employees, and the broader PRO BTP group ecosystem that integrates BTP BANQUE, MATMUT, SMA BTP, IRP AUTO, AUXILIAIRE, and PRODIGEO ASSURANCES as complementary financial service partners. The company is single-country (France), private, with 11-50 employees, no disclosed external funding, and no M&A or leadership changes in the source material.

Name

REGARDBTP

Legal name

REGARD Solutions d'Épargne Salariale

Website

https://regard-es.com

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

11–50 employees

Short description

REGARD Solutions d'Épargne Salariale is a French employee savings coordinator, wholly owned by mutual group PRO BTP, administering PEE, PEI, PERCO, and PER plans for employers and employees in the Construction and Public Works (BTP) sector.

Ownership category

akta.pro rank

Product category

Employee Savings and Retirement Administration

NAICS

Insurance and Employee Benefit Funds (5251), Pension Funds (525110)

akta.pro primary industry

Contractor Benefits & Perks Administration (BPACAGAJ)

Keywords

• Employee savings administration
• Retirement plan coordination
• Collective investment funds
• Profit-sharing schemes
• Construction sector benefits

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Employee Savings Fund Management: REGARD coordinates employee savings schemes for the BTP sector. The savings invested are managed through FCPE (Fonds Communs de Placement d'Entreprise) funds managed by PRO BTP FINANCE. Revenue is generated through management fees on the funds under administration.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

REGARD Solutions d'Épargne Salariale coordinates professional employee savings and retirement plans for the Building and Public Works (BTP) sector. The company administers PEE, PEI, PERCO, and PER plans, with employee savings invested in FCPE (Fonds Communs de Placement d'Entreprise) managed by PRO BTP FINANCE. It informs employees and guarantees the reimbursement of their savings through digital and mobile platforms.

Product overview

REGARD Solutions d'Épargne Salariale operates as a single unified service providing employee savings and retirement solutions for the French construction (Bâtiment) and public works (Travaux Publics) sectors. The core offering consists of savings plans (PEE/PEI for short-term savings, PERCO/PER for retirement) coordinated through the company's digital platform, with assets invested in FCPE funds managed by PRO BTP FINANCE. The company provides both employee-facing mobile and web interfaces for managing contributions, withdrawals, and account access, as well as enterprise-facing services for declaration, contribution management, and employee communication.

Differentiator

Problem solved

Functional benefit

Brands

• PERCO BTP: Collective retirement savings plan negotiated for BTP companies
• PEI BTP

Products and services

• PEE (Plan d'Épargne Entreprise) Employee savings plan allowing workers to invest a portion of profit-sharing bonuses or voluntary contributions into diversified funds, with funds locked for 5 years. Targeted at employees of BTP sector companies.
• PEI (Plan d'Épargne Interentreprises) Inter-company savings plan negotiated for BTP sector companies, similar to PEE but accessible across multiple companies in the construction and public works industry.
• PERCO (Plan d'Épargne Retraite COllectif) Collective retirement savings plan where contributions are invested and become available upon retirement, with optional managed allocation to progressively reduce risk as retirement approaches.
• PER (Plan d'Épargne Retraite) Retirement savings plan providing tax advantages, accessible as capital or annuity upon retirement, with evolving fiscal regime.
• FCPE (Fonds Communs de Placement Entreprise) Company employee investment funds that pool employee savings, managed by PRO BTP FINANCE, including multi-company funds and dedicated funds for specific companies or groups within the BTP sector.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• EPSENSminorStrategic or Co-development Partner · 24 June 2021EPSENS partnered with REGARD Solutions d'Épargne Salariale to offer a new 100% online advisory service to better support savers, delivered by the fintech Fundvisory.
• PRO BTP FINANCEcoreTechnology or IntegrationPRO BTP FINANCE is the asset management entity responsible for managing the FCPE funds in which employee savings are invested. REGARD coordinates the functioning of professional employee savings while PRO BTP FINANCE handles fund management and investment decisions.
• PRO BTPcoreStrategic or Co-development PartnerPRO BTP is the parent group of REGARD Solutions d'Épargne Salariale. The group provides administrative infrastructure, authentication systems (codes d'accès), and the broader institutional framework within which REGARD operates.
• BTP BANQUEminorChannel Partner/ Reseller/ DistributorBanking partner within the BTP ecosystem, offering complementary financial services to Construction and Public Works sector employees using REGARD's savings services.
• IRP AUTOminorChannel Partner/ Reseller/ DistributorInsurance partner offering complementary coverage options to Construction sector employees, with an established partnership with REGARD Solutions d'Épargne Salariale.
• AUXILIAIREminorChannel Partner/ Reseller/ DistributorAuxiliary insurance partner within the BTP ecosystem, providing additional coverage products to construction and public works employees.
• MATMUTminorChannel Partner/ Reseller/ DistributorInsurance company partner offering property and casualty insurance products to employees in the Construction and Public Works sector.
• SMA BTP (SMABTP)minorChannel Partner/ Reseller/ DistributorInsurance partner specializing in Construction and Public Works sector coverage, offering complementary insurance solutions to REGARD's employee savings clients.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Natixis Interépargne: One of France's largest dedicated employee savings and retirement plan administrators, offering PEE, PERCO and PER products to corporate clients across industries. Directly comparable to REGARD in product mix and TPA/coordinator role, but operates as a cross-sector bancassurer-owned platform rather than a sector specialist.
• Eres: French specialist in employee savings and retirement plan administration (épargne salariale et retraite). Comparable to REGARD as a focused player coordinating PEE/PERCO/PER products, but serves multi-sector employers rather than a single vertical.
• EPSENS: French employee savings and retirement specialist (formerly Natixis Interépargne's B2B brand), now an independent player offering PEE, PERCO and PER plans. Already a strategic partner of REGARD via the 2021 Fundvisory-powered advisory offering, and a directly comparable niche coordinator.

Broad incumbents

• Société Générale Épargne Salariale: Universal bank's employee savings offering serving French corporates across industries. Comparable to REGARD on plan administration and FCPE fund distribution, but with materially broader product reach and corporate client base.
• Amundi (Épargne Salariale & Retraite): Major European asset manager (Crédit Agricole group) offering employee savings and retirement products alongside a broad investment platform. Overlaps with REGARD on FCPE-style products but competes as a diversified incumbent rather than a niche specialist.
• Crédit Mutuel Arkéa: French cooperative banking group offering employee savings and retirement products to corporate clients. Comparable on plan administration and corporate distribution, though not vertically specialized in BTP.
• AXA Épargne Salariale: Insurance group's employee savings and retirement business. Comparable product offering (PEE, PERCO, PER) for French corporates, but distributed as part of a much larger insurance and asset management portfolio rather than a niche-focused specialist.
• BNP Paribas Épargne & Retraite Entreprise: Banking group's employee savings and retirement division, distributing PEE, PERCO and PER plans to corporate clients. Comparable on product family and TPA-style coordination, but competes with the scale and cross-sector reach of a top-tier French bank.
• AG2R La Mondiale: Major French social protection group offering employee savings, retirement and welfare products to corporate clients. Comparable TPA-style coordination of retirement plans, but with a broader welfare/insurance portfolio and cross-sector reach.

Emerging players

• Primonial: Independent French asset management and employee savings/retirement platform serving corporate clients. Comparable on PEE/PER/PERCO distribution, though smaller and more focused on wealth/retail-adjacent channels than a pure BTP specialist.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

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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 REGARDBTP