Warren Raises €10 Million to Modernise Workplace Pensions and Financial Wellbeing in Retirement planning is becoming one of the most pressing financial challenges facing workers across Europe. Rising living costs, longer life expectancy, inflation, and uncertainty around future pension systems are forcing employees to take a more active role in securing their financial futures. Yet many workplace pension schemes remain difficult to understand, offer limited transparency, and often fail to engage employees in long term financial planning. Belgian fintech startup Warren is seeking to change that through a technology driven approach that combines workplace pensions with personalised financial coaching. The company has now secured significant new funding to accelerate its growth and expand its platform.
Warren has raised €10 million in a seed funding round led by Motive Ventures, the venture capital arm of Motive Partners. The investment also included participation from F Capital as well as follow on support from existing investors Entourage, Syndicate One, and 100IN.
The funding will support product development, team expansion, and the company’s plans to broaden its presence beyond Belgium into additional European markets.
Rethinking Supplementary Pensions
Founded to address perceived weaknesses within Belgium’s supplementary pension system, Warren aims to help employees build stronger long term financial security.
The company believes that many traditional pension products struggle to deliver optimal outcomes due to a combination of low returns, inflationary pressures, management fees, and limited transparency.
These factors can significantly reduce purchasing power over time, particularly for workers relying on supplementary retirement savings to support their future lifestyles.
Warren’s objective is to provide a more transparent and efficient alternative that enables employees to better understand how their retirement savings are growing and how financial decisions made today may affect future outcomes.
Building an Independent Pension Platform
A major milestone for the company came in 2025 when it obtained an Institution for Occupational Retirement Provision licence.
This regulatory approval enabled Warren to establish and operate its own pension fund, known as Warren Pension Fund OFP.
Through this structure, the company manages retirement savings directly while providing employers with a workplace pension solution designed around transparency and long term value creation.
The pension fund invests through a diversified portfolio of exchange traded funds focused on equities and bonds.
According to the company, employers can adopt the platform without increasing their existing pension budgets, while employees retain full investment returns without entry fees, exit fees, or assets under management charges.
This approach is intended to maximise the value generated for pension participants over the long term.
Expanding Beyond Retirement Savings
While workplace pensions remain at the core of its business, Warren has broadened its offering to address wider financial wellbeing needs.
The company provides a financial coaching platform that combines artificial intelligence driven guidance with access to human financial experts.
The platform brings together information from multiple sources, including pension data, employee benefits, and banking information.
By consolidating this information into a single environment, users gain a clearer understanding of their financial situation and can make more informed decisions.
The platform supports a variety of financial planning activities, including retirement preparation, mortgage decisions, insurance planning, and broader wealth management strategies.
Growing Adoption Among Employers
Warren has already gained significant traction within the Belgian market.
The platform is currently used by approximately 100 businesses, including technology companies, mobility providers, and innovative growth organisations.
Thousands of employees actively use the platform to monitor retirement savings, access financial insights, and receive personalised guidance.
The company believes that increasing employee engagement with financial planning can lead to stronger long term outcomes while improving overall financial confidence and wellbeing.
As financial literacy and retirement preparedness become increasingly important topics across Europe, demand for accessible and transparent solutions continues to grow.
Preparing for European Expansion
The newly raised capital will help Warren accelerate its next phase of growth.
The company plans to expand its team, enhance both its pension and financial coaching products, and strengthen platform capabilities.
A significant portion of the investment will also support expansion beyond Belgium as Warren prepares to enter additional European markets.
With growing adoption, regulatory infrastructure in place, and a technology platform designed to combine retirement savings with personalised financial guidance, Warren is positioning itself to become a leading player in the future of workplace financial wellbeing. By helping employees better understand and grow their long term wealth, the company aims to reshape how people prepare for retirement and manage their financial futures.
