Warren replaces traditional group insurance with a transparent fixed-fee subscription model, eliminating entry, exit, and percentage-based asset management fees so all investment returns accrue to employees.
Its app aggregates employer, pension, and PSD2 banking data to deliver personalised AI coaching and human expert support, driving higher member engagement than conventional pension products.
Belgium's statutory pension is increasingly insufficient, and the second-pillar supplementary pension market is under pressure to deliver better outcomes for savers.
Warren plans to use its seed funding to accelerate Belgian growth, scale its team, and lay groundwork for expansion into broader European markets.
Warren offers a digital workplace pension platform built around Warren Pension Fund OFP, an FSMA-supervised institution for occupational retirement provision.
The product combines employer-paid pension contributions invested in low-cost ETFs with a member app providing AI coaching, payslip decoding, Total Reward Statements, and access to certified experts.
