The typical Belgian works for about 40 years and retires with a workplace pension worth less than a second-hand car.
Warren, a Ghent-based fintech, wants to fix that. The company has raised €10mn in a seed round led by Motive Ventures, the venture arm of transatlantic investor Motive Partners. F Capital joined, alongside returning backers Entourage, Syndicate One and 100IN. The round follows a €3mn pre-seed in early 2025.
A system that is ‘cracking’
Belgium’s problem is structural.
People are living longer, birth rates are falling, and the state pension stopped being enough years ago. The second pillar, the supplementary workplace pension meant to bridge the gap, is barely pulling its weight. The median reserve for employees aged 56 to 65 sits below €10,000.
