Epsor

Epsor operates as a financial technology firm specializing in the employee and retirement savings sector in France. The company was founded in 2017 by Julien Niquet, Benjamin Pedrini, and Julien Murgey. The founders, Niquet and Pedrini, previously worked together at Société Générale, where they identified a need to democratize and simplify savings and retirement plans, particularly for small and medium-sized enterprises (SMEs). Their shared background in finance, with Niquet in general inspection and Pedrini in private banking compliance, provided the foundation for developing a more transparent and user-centric platform.

The firm offers a cloud-based platform that enables companies to establish and manage various employee savings plans, including PEE (Plan d'Épargne Entreprise) and PER (Plan d'Épargne Retraite). Epsor's business model is centered on providing these solutions to a diverse client base, ranging from SMEs to large corporations and public institutions like Bpifrance, Celine, and Veepee. The service aims to transform these savings options into a strategic human resources tool for employee engagement and retention. Revenue is generated through fees associated with managing these savings plans.

Epsor's core product is a digital platform that provides personalized financial advice to employees through tools like a robo-advisor, alongside access to human financial advisors. A key feature is its "open architecture" approach, which involves selecting funds from a variety of independent asset managers, such as Fidelity and Lazard, with a focus on responsible and sustainable investment options. This allows employees to create investment profiles tailored to their individual goals and risk appetite. To ensure security, all financial flows are managed in partnership with Société Générale Securities Services. The company has achieved significant milestones, including several successful funding rounds. After a seed round in 2018, it raised €6.77 million in a Series A in 2019, €20 million in a Series B in 2021, and €16 million in a Series C in March 2025, with backing from investors like Partech, BlackFin Capital Partners, Revaia, and ISALT.

Keywords: employee savings, retirement plans, FinTech, PEE, PER, asset management, financial advisory, B2B, wealth management, open architecture funds, robo-advisor, responsible investment, HR technology, employee benefits, corporate savings, retirement solutions, financial services, investment platform, employee shareholding, value sharing