A workplace pension your team will actually appreciate.
Belgian group insurance has been quietly losing real money for your team. Warren is a modern workplace pension built for employees: lower costs, higher long-term growth potential, and an app that helps them stay engaged with their financial future.
Trusted by Ellen from Yuki, Tom from November Five, Eveline from Bizzy & many more.
- StructureOFP/OIRP · FSMA Authorized
- Fee modelFixed fee / member / month
- Historic Belgian Pension Fund return+6%
- Member experienceApp · coaching · experts
How much your team is leaving behind.
While nobody is looking, thousands of euros in potential retirement wealth quietly disappear. The gap is caused by fees and missed compounding, year after year. Move the sliders. See the impact.
€34,537 per member · about €63,957 every year you wait.
- Branch 21 reserve
- €2,551,250
- Warren OFP reserve
- €4,278,100
Simulation, not a guarantee. Expected gross returns based on official FSMA benchmarks · 1.98% Branch 21 · 5.44% Warren OFP. Net of entry fee (2.95% B21, 1.88% B23, 0% Warren) and annual running fee (0.04% B21, 1.46% B23, 0.16% Warren).
Your team
Want this on your actual team?
Same model, your real headcount, salary distribution and current provider. Sent over within two business days.
- ✓Branch 21 / 23 modelled side by side with the Warren OFP
- ✓Transfer-in projection for your existing reserves
- ✓Per-member delta in clear € over a full career
You define the workplace pension. What you choose, decides what your team gets.
The state pension replaces only about 61% of an average net salary, according to OECD figures. The second pillar is the lever you control. A Branch 21 contract that underperforms inflation, or a Branch 23 contract that leaks 2 to 3% in AUM every year, quietly costs every member of your team. Warren is the second-pillar fund rebuilt to actually do its job.
Belgian state pension · net replacement rate
Approaching the 70% benchmark
Above the 70% benchmark
70% is a widely accepted benchmark for a comfortable retirement, not an official OECD target. OECD puts the Belgian state pension at ~61% net replacement for an average earner (Pensions at a Glance 2025).
Costs each of your members about €1,279 in future retirement capital.
Modelled on 50 members, average age 40, €50.000 gross salary, 3.0% employer contribution. Same math as the calculator above.
Three things that make this not another contract.
Why Warren is the smart choice to make for your team.
- Branch 21
- 1.98%
- Branch 23
- 5.44%
- Warren OFP
- 5.44%
- Branch 21
- 2.95%
- Branch 23
- 1.88%
- Warren OFP
- 0%
- Branch 21
- 0.04%
- Branch 23
- 1.46%
- Warren OFP
- 0.16%
- Branch 21
- Exponential
- Branch 23
- Exponential
- Warren OFP
- Flat
- Branch 21
- Yearly PDF statement
- Branch 23
- Yearly PDF statement
- Warren OFP
- Live app · per-member dashboard
- Branch 21
- Statement, once a year
- Branch 23
- Statement, once a year
- Warren OFP
- Weekly · coach · payslip · TRS
FSMA benchmarks. Simulated returns.
Four steps. We carry most of the weight.
From signed proposal to live plan, the heavy lifting sits with us. Your HR team signs off, we guide you through a smooth hand-over.
Traditional group insurance is a black box compared to what we now have at Warren.
Before Warren, 99% of our employees had close to no knowledge about their pension plans: how much was invested, what was it actually invested in. Warren made it feel like the first time someone built a benefits product for the people receiving it.
Our goal is to empower people to grow and take ownership. Warren helps us do the same when it comes to their finances.
Traditional group insurance doesn't cut it anymore. Warren offers a collective benefit our people actually care about.
Let's go for innovation, not just in our products, but in how we care for our people. Warren helps us bring that vision to life.
What teams actually ask first.
If yours isn't here, bring it to the intake call. We answer anything in writing afterwards too.
Yes. It operates as a Belgian OFP (Organisation for Financing Pensions) under FSMA oversight, with an independent board and annual statutory audit. Members' reserves are ring-fenced and not part of any insurer's balance sheet.
See the Warren Pension Fund on your own data.
Bring your current group-insurance contract and member data. We'll show you the gap - real returns, fees, transfer-in mechanics - and exactly what changes for your team if you switch. We always send the deck after the call.
- ✓Modelled against your current group insurance
- ✓Branch 21 vs Warren OFP, side by side
- ✓Transfer-in projection for legacy reserves
- ✓€20 per member, per month
Trusted by Ellen from Yuki, Tom from November Five, Eveline from Bizzy & many more.
The 2027 Pension Reform playbook.
A practical guide for HR and benefits leads. What's changing in Belgian second-pillar pensions in 2027, what it means for your team, and what to do about it.