Overview

Warren is a Ghent-based FinTech that rethinks Belgian workplace pensions and employee financial wellness. It operates Warren Pension Fund OFP under FSMA supervision, offering transparent ETF-based portfolios with fixed employer subscription fees so investment returns accrue to employees. The platform combines automated guidance via an AI coach with human advisers and leverages data from employers, mypension.be, and PSD2 to tailor investments. Its differentiators include transparent, ETF-based portfolios, predictable fixed fees, and a mix of AI and human guidance tied to employer and pension data. Warren aims to scale to about 100,000 employees by 2028 and expand across Europe, supported by funding rounds and regulatory licensing.