Risk advisory · Actuarial · Financial structuring
Risk advisory and artificial intelligence
ICONCILIO Corporate combines the expertise of its actuaries with the power of artificial intelligence to measure, model and steer risk for financial institutions.
Our expertise
Three practices serving financial institutions
We work with risk, actuarial and finance departments, from scoping to delivery, with deliverables that stand up before a regulator, an auditor or a board.
Risk advisory
Identify, measure and steer risks, from risk mapping to governance.
- Risk mapping and risk appetite
- ORSA, ICAAP and ILAAP
- Control framework and compliance: AML-CFT, IDD, GDPR, fraud
- Governance and key functions
Actuarial & regulatory
Make your prudential and accounting calculations and reporting robust.
- Solvency II: SCR, technical provisions, QRTs and SFCR
- IFRS 17: implementation and review
- Reserving and pricing
- Independent audit and model review
Finance & financial structuring
Allocate capital, model the balance sheet and inform financial decisions.
- Capital management and allocation
- Asset-liability modelling (ALM) and projections
- Valuation of portfolios and financial instruments
- Financial and regulatory reporting
We work forInsurers and mutualsProvident institutionsBanksAsset managersMid-caps and SMEs
The firm
Strategic and expert financial advice
ICONCILIO CORPORATE is your trusted partner for risk management, insurance and financial engineering. With our specialized expertise, we offer you customized solutions, proactive risk management and strategic advice to optimize your finances and protect your structure.
Our insurance experts work closely with you, whether you are a financial holding company or a small business, to identify your specific needs and provide you with customized solutions. Through our partnership, you benefit from a proactive approach, operational excellence and total peace of mind in managing your financial risks and issues.
Do not hesitate to contact us, we have a strong commitment to the success of your projects!
SFCR comparator · coming soon
Solvency II: where do the major insurers stand?
A preview of the SFCR comparator, our next publication: the solvency capital requirement (SCR) coverage ratio of the main French insurance groups, as published for the 2025 financial year.
- Read straight from SFCR reports and financial disclosures
- Ratios, eligible own funds and SCR breakdown, year after year
- An assistant that answers by quoting the report
- Groupama1274%
- CNP Assurances2256%
- AXA3224%
- Covéa221%
- Aéma Groupe212%
- Crédit Agricole Assurances195%
- Sogecap4189%
- AG2R La Mondiale181%
- Regulatory minimum: 100%
- Median of the panel: 217%
Sources and notes
Solvency II ratios published by each group for the 2025 financial year (SFCR reports and results releases). Scopes and the use of transitional measures differ between groups: these figures are not a ranking. The comparator will detail own funds, SCR breakdown and history.
- Groupama 1 222% excluding the transitional measure on technical provisions — Groupama, résultats 2025 (20/03/2026)
- CNP Assurances 2 CNP Assurances Holding — CNP Assurances Holding, SFCR 2025
- AXA 3 AXA Group — AXA, résultats annuels 2025 (26/02/2026)
- Covéa — Covéa, résultats au 31/12/2025 (Atlas Magazine)
- Aéma Groupe — Aéma Groupe, résultats 2025 (Échanges Assurances)
- Crédit Agricole Assurances — Crédit Agricole Assurances, SFCR 2025
- Sogecap 4 Société Générale Assurances — Sogecap, présentation investisseurs 2026
- AG2R La Mondiale — AG2R La Mondiale, résultats 2025
Platform
Our tools
The tools we build extend our engagements: performance management for SMEs, analysis of French market SFCRs, asset-liability modelling.
LiveiCoDaT
The financial cockpit for SMEs: sales, invoicing, cash forecasting and risks.
Who it is forSMEs, mid-caps, CEOs and CFOs
- Live
Comparateur SFCR
French market SFCRs, analysed and comparable, with an assistant that answers and cites its sources.
Who it is forRisk, actuarial and finance teams at insurers
- Access on request
Outil de modélisation
Asset-liability projection of savings portfolios and Solvency II indicators.
Who it is forLife and savings insurers, actuarial functions
Our method
Our approach
Identified issues
We set up a methodical strategy to better understand your problems and identify the issues to be resolved.
Strategic approach
We deploy our expertise to develop a strategic approach to your requirements and issues, both financial and insurance.
Targeted solution
Our mission is to assist you in the implementation of targeted solutions and use cases that reflect your requirements.
Effective management
We have cultivated a mastery and efficient management of our project planning. Management of the missions entrusted to our experts is optimal.
Engagement
We are committed to quality consulting, continuous monitoring and a perfect relationship with your employees.
Resolved issue
Our action consists of fulfilling the various expectations and demands expressed by our clients, leading to results that are achieved and shared.
Sustainable growth
We work with our clients to make a real impact, solve problems, achieve sustainable growth and have a durable impact.
Long-term partnership
We always aim to carry out successful interventions with our clients to create a durable connection over time.
BFM Business, « J’aime les échos » (#JMLECO), hosted by Nicolas Doz
In the media
They talk about us in the media
Watch our founder’s full appearance on BFM Business in Nicolas Doz’s programme “J’aime les échos”.
Actuarial consulting and the digital transition
The business world is changing. Like many sectors, the insurance and financial markets are also affected by the imperative of a digital transition. The actuary’s profession, protean in its essence, made of numbers, complex models, statistics, and therefore data, is at the heart of the « reactor » of this transformation through the many tools, programs, and systems it mobilizes. The actuary must therefore provide more efficient and automated solutions in the analysis of the financial impact of risks.
Publications
Latest publications
IFRS 17: Implementation Review
Faced with a future multi-standard context and the high operational cost of the developments required to implement IFRS 17, a major challenge for insurers is to reconcile the accounting standard with the Solvency 2 prudential framework and, to a lesser…
Compliance of pension plans for senior executives
In 2023, the French government launched discussions on a new pension reform. Among the main measures announced is an increase in the retirement age from 62 to 64. It’s a choice that has angered the majority of French people, unions…
Blockchain: where is the insurance industry heading?
Today, blockchain has become a must-have topic as companies accelerate their digitalization process. The 2008 financial crisis is a key factor in understanding the craze for this new technology.Beyond the economic catastrophe and market instability, from 2008 onwards, developers turned…
What next?
A regulatory requirement to implement, a risk to assess?
Our team of experts is ready to help. The first conversation is free.
- First conversation free of charge
- Answer within two business days