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Ghent-based fintech startup Warren has
raised €10 million in a seed funding round led by Motive Ventures, the venture
arm of transatlantic investment fund Motive Partners. The round also included F
Capital and follow-on investments from Entourage, Syndicate One, and 100IN.
Founded to address shortcomings in
Belgium’s supplementary pension system, Warren operates a workplace pension
platform and financial coaching service designed to help employees better
understand and grow their long-term savings. The company obtained an Institution
for Occupational Retirement Provision (IBP) licence in 2025 and now manages its
own pension fund, Warren Pension Fund OFP.
The company believes that low yields, inflation, fees, and limited transparency can reduce the long-term effectiveness of traditional supplementary pension products.
The vast majority of Belgians
save for their retirement in financial products that erode their purchasing
power year after year, even though retirement is by definition a long-term
horizon. This is an enormous social problem whose severity remains chronically
underestimated.
It’s not just about our pension. It’s about our prosperity,
today and for future generations,
says Cedric De Vleeschauwer, co-founder
and CEO of Warren.
The company’s pension fund invests
through a diversified portfolio of equity and bond exchange-traded funds.
According to Warren, employers can switch to the platform without increasing
their existing pension budgets, while employees retain the full investment
return, with no entry, exit, or assets-under-management fees.
In addition to its pension offering, Warren provides a financial coaching platform that combines AI-powered guidance with access to human advisers. By integrating data from sources such as pension records, employee benefits, and banking information, the platform helps users make informed decisions about retirement planning, mortgages, insurance, and personal finances. According to the company, around 100 Belgian businesses, including Lighthouse, Yuki, Wintercircus, and Poppy Mobility, have adopted the platform, with thousands of employees actively using the service.
The newly raised capital will support
Warren’s continued expansion in Belgium and prepare the company for entry into
additional European markets. The funding will also be used to grow its team,
further develop its pension and financial coaching products, and scale its
platform to serve a larger employee base across Europe.