Commission européenne, DG COMP MERGER REGISTRY, 1049 Bruxelles, BELGIQUE  
Europese Commissie, DG COMP MERGER REGISTRY, 1049 Brussel,   BELGIË  
 
Tel: +32 229 -91111. Fax: +32 229 -64301. E -mail: COMP -MERGER -REGISTRY@ec.europa.eu . 
  EUROPEAN COMMISSION  
Brussels, 8.1.2020  
C(2020 ) 99 final  
PUBLIC VERSION  
To the notifying parties  
Subject : Case M .9635  – BNP PARIBAS / AGEAS / KONINKLIJKE BELGISCHE 
TOURING CLUB / OPTIMILE  
Commission decision pursuant to Article 6(1)(b) of Council Regulation 
(EC) No 139/20041 and Article 57 of the Agreement on the European 
Economic Area2  
Dear Sir or Madam,  
1. On 4 December 2019 , the European Commission received notification of a proposed 
concentration pursuant to Article 4 of the Merger  Regulation by which BNP Paribas 
Fortis NV/SA (‘BNPPF’, Belgium),  AG Insurance NV/SA, controlled by Ageas 
SA/NV (‘AGI’, Belgium) and  Koninklijke Belgische Touri ng Club VZW (‘Touring’, 
Belgium),  acquire within the meaning of Article s 3(1)(b) and 3(4) of the Merger 
Regulation  joint control of the whole of  Optimile NV (‘Optimile’, Belgium ) by way of 
purchase of shares.3 
2. The business activities of the undertakings co ncerned are:  
 for BNPPF: as a subsidiary of the BNP Paribas Group in Belgium, it offers a 
comprehensive package of banking and financial services for private individuals, 
professionals, SMEs, public organisations etc. Its subsidiary Arval BNP 
specialises in  vehicle leasing and provides company clients with customised 
solutions to optimise staff mobility;  
 for AGI: as a subsidiary of Ageas, it is a multi -channel insurance company 
operating in Belgium which provides life and non -life insurance products and 
supp lementary pensions. It owns Interparking, a parking operator active in nine 
European countries, including Belgium;  
                                                 
1 OJ L 24, 29.1.2004, p. 1 ( the ‘Merger Regulation ’). With effect from 1 December 2009,  the Treaty on 
the Functioning of the European Union ( ‘TFEU ’) has introduced certain changes, such as the 
replacement of ‘Community ’ by ‘Union ’ and ‘common market ’ by ‘internal market ’. The terminology 
of the TFEU will be used throughout this decision.  
2  OJ L 1, 3.1.1994, p.  3 (the ‘EEA Agreement ’). 
3  Publication in the Official Journal of the European Union No C 416 , 11.12.2019,  p. 16. 

2  for Touring: provision of road and travel assistance services, short term leasing, 
replacement cars and sale of cars, car glass repair and replacement, technical 
inspection of vehicles and travel insurance. It also offers a multimodal mobility 
B2B2C app, easy Way;  
 for Optimile: mainly active in Belgium, it develops and sells mobility related 
software, including a B2B white -label multimodal ap p, a B2C multimodal 
mobility app (Mobiflow) and white -label operator Software as a Service (SaaS) 
back office platforms for mobility operators such as charge point operators and 
taxi operators.  
3. After examination of the notification, the European Commission  has concluded that 
the notified operation falls within the scope of the Merger  Regulation  and of 
paragraph s 5(a) and 5(c)  of the Commission Notice on a simplified procedure for 
treatment of certain concentrations under Council Regulation (EC) No 139/2004 .4 
4. For the reasons set out in the Notice on a simplified procedure, the European 
Commission has decided not to oppose the notified operation and to declare it 
compatible with the internal market and with the EEA Agreement. This decision is 
adopted in applic ation of Article 6(1)(b) of the Merger  Regulation  and Article 57 of 
the EEA Agreement . 
For the Commission  
 
(Signe d) 
Olivier GUERSENT  
Director -General  
 
 
                                                 
4  OJ C 366, 14.12.2013, p. 5 .