Financial insecurity affects employees worldwide, reducing productivity and increasing turnover. Research shows that 78% of employees feel financially stressed, 60% believe their organisation needs to prioritise financial well-being, and 42% would consider changing jobs for better financial support. WARREN, a Belgian wealth-tech startup, aims to address these challenges through a comprehensive platform that empowers employees to take control of their financial future.
To make this vision a reality, WARREN has raised €3 million in pre-seed funding, led by Motive Ventures, with participation from Entourage, Syndicate One, Pitchdrive, 1105, and several top-tier business angels. The total funding and valuation was not disclosed to TFN.
This investment will accelerate WARREN’s mission to tackle workplace financial stress by providing tailored insights, AI-driven financial coaching and education, and direct access to top advisors, making “wealth enablement” a new standard in employee benefits. Cedric De Vleeschauwer, CEO and co-founder of WARREN, told TFN exclusively: “We are investing in three pillars: product development, growing our team, and expanding our customer base. We want to refine the AI coach further, add financial products, and accelerate distribution and partnerships. This is just the beginning.”
How WARREN transforms employee benefits through financial empowerment
WARREN was founded in Belgium in 2024 by Cedric De Vleeschauwer (formerly Alan, Showpad, Netlog), Jos Polfliet (ex-Metamaze), David Du Pré (formerly Alan, Showpad, Henchman), Tijs Deryckere (ex-KBC), and Pieterjan Behaeghe (formerly Alan, Silverfin). The co-founders share a mission to help employees reduce financial stress and build long-term security.
De Vleeschauwer explained: “We address one of the biggest sources of stress: financial insecurity. Nearly 80% of employees experience financial stress, which impacts productivity and overall well-being. Traditional salary structures don’t solve this issue.”
He added: “Wealth enablement ensures that employees become structurally financially stronger. For employees, it means more control over their financial future. For employers, it leads to higher retention, more satisfied employees, and a competitive edge in the job market.”
The startup aims to transform workplace financial wellness through comprehensive wealth enablement solutions. Through transparent financial insights, AI-driven coaching, and personalised education, WARREN equips employees with the tools they need to build sustainable wealth.
De Vleeschauwer added: “Wealth enablement is a modern approach to financial well-being, where employees aren’t just paid a salary but are actively supported in building wealth and achieving financial security. It goes beyond traditional employee benefits by focusing on education, coaching, technology, and smart financial tools — it’s about giving people the tools and confidence to secure their financial future.”
Building financial security: WARREN’s three key pillars
WARREN’s solution centres on three core pillars: transparent financial planning tools, AI-powered financial coaching and education, and Human-in-the-Loop support. The platform offers simplified insights into one’s economic future, ensuring employees understand their position and can take action to reduce stress. It provides real-time, personalised coaching to help users make informed decisions, boost financial literacy, and direct access to human wealth advisors, making professional wealth advisory more accessible than ever.
“Wealth enablement is about giving people the confidence and tools to secure their financial future,” said De Vleeschauwer. “The democratisation of wealth advisory marks the beginning of a new movement. Our platform will integrate advanced AI insights, human and financial expertise, and personalised coaching and education into one holistic, user-friendly experience.”
Financial stress affects both employees and businesses. Low morale, reduced productivity, and higher turnover are all symptoms of financial anxiety. WARREN offers an integrated, easy-to-deploy benefit that supports employee financial well-being, helps with retention, and strengthens workplace culture.
David Du Pré, WARREN co-founder and CCO, added, “Technology is a key enabler in helping employers enhance financial literacy and provide employees with transparent insights. With WARREN, businesses can give their teams actionable tools for long-term wealth-building, ultimately boosting satisfaction and retention.”
A platform that helps with retention and strengthens workplace culture
As De Vleeschauwer concluded: “In five years, in B2B, we want wealth enablement to be considered the most essential employee benefit. Financial well-being and wealth enablement represent the next frontier in employee benefits, and we are setting the standard.
We’ll have a direct B2C go-to-market approach. We will have opened our platform to individuals (versus our current focus on companies and their employees, as this is where people lay their financial foundation). We’ll have launched in two other European countries in addition to Belgium. We’ll be activating significant amounts of dormant funds and putting these to work by facilitating retail investors’ participation in the capital markets, including private equity and real estate.”
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