Les assurances et les mutuelles jouent un rôle majeur dans notre système socio-économique.

The insurance and mutual sectors play a vital role in our socio-economic framework. However, these industries face increasing challenges such as:

A complex economic landscape
Compliance with the "Solvency II" Directive
Heightened competition

Implementation of ESG obligations
Application of the National Interprofessional Agreement (ANI)

These factors impact how insurance and mutual organizations operate, driving the need for optimized risk detection, compliance, and high-quality financial reporting under tight deadlines.

As a leading player in audit, advisory, and accounting, BDO has developed deep expertise in the insurance, social protection, and mutual sectors. With years of experience, our experts are equipped to assist with statutory audits, contractual reviews, accounting, and strategic consultancy.

Why Choose BDO?

Sector-specific expertise: Comprehensive knowledge of challenges in insurance and social protection.
Tailored support: From audits to accounting and consultancy, we provide personalized advice for your operations.
Commitment to your success: Long-term support to ensure sustainable growth.
Proximity and responsiveness: A network of 45 offices across France ensures quick responses within 24 hours.
A trusted partner: Backed by BDO's global reputation, offering benchmarking and comparative insights.

Audit & Statutory Certification for Insurance & Mutual Organizations

Transform compliance into a performance lever

BDO's audit services go beyond regulatory compliance. Our deep understanding of your industry allows us to highlight best practices and help you improve processes such as account closure timelines.

Our Audit Services Include:

Statutory and consolidated financial statement audits

Non-certification services (SACC)

Detailed investigation of financial flows

ESG audits under Grenelle 2 regulations (social, environmental, and societal data attestations)

Our audits not only ensure compliance but also optimize internal controls and risk management through specialized software analyses.

Comprehensive Financial & Accounting Solutions

The insurance and mutual sectors face unique accounting and financial challenges, such as specialized accounting standards, fiscalization (since 2012), and "Solvency II" requirements.

BDO’s accounting experts deliver reliable financial information tailored to your sector's needs. From reporting to risk management, we make financial data a tool for strategic decision-making.

Our Accounting Services Include:

Preparation and review of financial statements
Tax declarations
Social expertise
Prudential regulation compliance

Account consolidation
Customized financial and accounting reporting
Treasury management and budget monitoring

Risk Management Expertise

Anticipation and risk detection are critical for insurance and mutual organizations. Beyond traditional risks, you face operational, financial, and regulatory challenges that require a robust governance framework.

BDO’s Risk Management Services Include:

Risk analysis and management
Internal control policy development
Compliance and ethics outsourcing
Risk mapping
Procedure drafting
Fraud prevention strategies

With extensive sector knowledge, BDO's Risk Management experts help you mitigate risks effectively and sustainably.

Optimizing Information Systems for Quality Data

Reliable systems are essential to ensure accurate financial and accounting data in the fast-evolving insurance and social protection sector.

Our IT & Data Services Include:

Audits of data quality
IT systems audits
Investigation of financial and accounting flows
Review of accounting records

BDO ensures your data and systems are secure, comprehensive, and tailored to meet internal and external stakeholders' needs.

Insurance & Mutuals