About Us

As a full actuarial and consulting firm established in France and the United Kingdom since 2019, BY Financial Services (BYFS) has the ambition to help create the value organizations are looking for by dealing with their insurance risks in our specialty domains which are General Insurance, Health and Protection, including Creditor Insurance.


What We Do

BYFS offers its clients operational staff who are able to adapt and quickly grasp the corporate culture and manage the projects and needs entrusted with complete autonomy. The various works topics are:

  • Data quality: set up of data management policies or data warehouse under well-known IT solutions,
  • Modelling: realization of model for risks follow up purpose,
  • Pricing: from the elaboration of underwriting standard to pricing of products,
  • Reserving: support for financial closure or designing reserving model for new product,
  • (RE or CO) Insurance: optimization or implementation of reinsurance plan, annual account,
  • Solvency 2: contribution to BAU works or building internal model,
    Risk Management: production of profitability studies and follow up of your risk appetite.

Everything Starts with WHY…
BY Financial Services is the ANSWER

Choosing BY Financial Services

Choosing BYFS is making the choice of Proximity, Flexibility and Technicity with high quality standards when
delivering the service. Those values constitute our actuarial team DNA:


Our actuarial team is close to your company needs.


Our actuarial team adapts quickly to your constraints to reimagine the possible.


We aim to work together to enhance or create innovative solutions.

Those values define who we are, and ensure the trust that our clients and our people place in BYFS.
Our high standards and ethical behaviour are the fundaments of everything we do.


“BYFS has a client-dedicated spirit which drags our clients’ satisfaction” –
Mrs Laetitia BLEY
The appointed Managing Director

Laetitia is a Fully Qualified Actuary from French Institute of Actuaries and as the appointed Managing Director has the responsibility of the whole company.

With her extensive years of experience (more than 12 years ) in NON LIFE and LIFE Insurance across multiple and different sectors: Consultancy, Companies and Mutuals, in France, England, Democratic Republic of Congo and Côte d’Ivoire, she is not only a technical expert but also, she has a proven management experience.

Additionally, she got a Polytechnic engineer and a Master’s in management control degrees.