Climb
Climb is a Paris-based FinTech founded in 2016 offering digital wealth management and tax optimization for French individuals, with tiered services spanning entry investors (€1,000), private wealth (€100,000), and high-net-worth families (€1,000,000+), distributing partner products on an open-architecture model.
- Company typePrivate
- Founded2016
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Climb does
Climb is a Paris-based FinTech founded in 2016 that provides digital wealth management and tax optimization services to French retail and affluent individuals, ranging from first-time investors with €1,000 in investable assets to high-net-worth families and entrepreneurs with €1,000,000 or more. The platform distributes a broad product suite through an open-architecture model, including tax-advantaged savings vehicles (Assurance Vie, PER), structured products (via APICIL), Private Equity (with Eurazeo, Altaroc, InterInvest, Vatel Capital), real estate (SCPI from €500, Pinel, LMNP), tax-optimization vehicles (Girardin Industriel, Groupement Forestier d'Investissement, FCPI), and cryptocurrency education, plus dedicated tax declaration assistance and outcome-based tax rectification services. Underlying technology is described as a hybrid digital advisory platform combining proprietary portfolio construction tools with human advisors, a passive ETF-based investment strategy, and "The Fly Platform" for fundamental stock research.
The business model is sales-led with three pricing tiers (Gestion de Patrimoine from €1,000, Gestion Privée from €100,000, Gestion de Fortune from €1,000,000) marketed at 1.5% global fees versus a 3% traditional-bank average. The primary revenue stream is retrocession commissions from partner product providers (insurance companies, asset managers, fund managers), with secondary revenue from tiered tax declaration services (€150-€500) and outcome-based commissions of 12-18% on tax recoveries above €50,000. The company is registered with Orias, regulated by the AMF, and is a member of ANACOFI, and operates in France and Italy, having closed a €10 million Series A in February 2022 led by NewAlpha Asset Management and Open CNP to fund European expansion and advisor-team growth. Notable individual backers include Xavier Niel (Free), Alexandre Prot (Qonto), Teddy Riner, and other French entrepreneur-investors, with Aldric Emié as founder and CEO.
Climb firmographics
Firmographics- Name
- Climb
- Legal name
- Climb
- Website
- https://climb.fr
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Climb is a Paris-based FinTech founded in 2016 offering digital wealth management and tax optimization for French individuals, with tiered services spanning entry investors (€1,000), private wealth (€100,000), and high-net-worth families (€1,000,000+), distributing partner products on an open-architecture model.
- Ownership category
- akta.pro rank
Climb industry classification
Industry- Product category
- Wealth Management
- NAICS
- Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Life Insurance (6311), Services-Engineering, Accounting, Research, Management (8700)
- akta.pro primary industry
- Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)
- akta.pro secondary industries
- Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE), Billing, Payments & Premium Finance Platforms (FSAGAGAI)
Keywords
Where Climb is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Climb business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Retrocession Commissions from Partners: 100% of Climb's accompaniment is offered free to clients. The company benefits from retrocession commissions paid by its numerous partner product providers (insurance companies, fund managers, etc.) when clients invest. This is their primary revenue stream, creating alignment between client investment and company revenue.
- Financial Advisory Services: Revenue generated through financial advisory services including tax declaration assistance, with tiered pricing for advanced and bespoke services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Gestion de Patrimoine - Entry-level wealth management starting at €1,000 minimum investment |
| Subscription | Annual | Gestion Privée - Mid-tier private wealth management starting at €100,000 |
| Subscription | Annual | Gestion de Fortune - High-net-worth wealth management starting at €1,000,000 |
| Subscription | Annual | Insurance Vie and PER global fees |
| Hybrid | One time/ perpetual license | Standard Tax Declaration - Basic tax assistance |
| Hybrid | One time/ perpetual license | Advanced Tax Declaration - Complex tax situations |
| Hybrid | One time/ perpetual license | Bespoke Tax Declaration - Expert-level tax services |
| Outcome Based/ Performance | One time/ perpetual license | Tax Rectification Service |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Climb product offering
Product offeringCore offering
Climb is a French wealth management fintech that provides personalized investment advisory and tax optimization services to affluent individuals. The platform combines human financial advisors with digital tools to offer a diversified range of tax-advantaged investment vehicles — Assurance Vie, PER, Structured Products, Private Equity, SCPI, Pinel, LMNP, FCPI, Girardin Industriel, and Groupement Forestier d'Investissement — delivered across three service tiers starting at €1,000, €100,000, and €1,000,000. It also provides tax declaration assistance and rectification services using proprietary identification technology.
Product overview
Climb is a French wealth management fintech platform offering a comprehensive suite of savings, investment, and tax optimization products under a unified digital advice model. The core offering centers on three tiers of personalized wealth management (Patrimoine, Privée, Fortune) supported by financial advisors. The product portfolio includes tax-advantaged savings vehicles (Assurance Vie, PER), structured products, real estate investments (SCPI, Pinel, LMNP), alternative assets (Private Equity, FCPI, Girardin, Forestier), and cryptocurrency education. Supporting services include tax declaration optimization and correction tools. The platform differentiates through low fees (1.5% vs 3% average), open-architecture selection of financial products, and AI-assisted tax optimization technology.
Differentiator
Problem solved
Functional benefit
Brands
- Climb Invest: Investment platform offering wealth management services including insurance vie, PER, structured products, and private equity
Products and services
- Assurance Vie (Life Insurance) Tax-advantaged life insurance savings product offering low fees (1.5% versus 3% average at traditional banks) with access to diversified investment funds including ETFs, real estate funds, and Private Equity, providing compound interest growth for individual investors.
- Plan Épargne Retraite (PER) (Retirement Savings Plan) Retirement savings plan that reduces taxable income through deductible contributions while offering diverse investment options similar to life insurance, with funds locked until retirement except for specific early withdrawal conditions.
- Structured Product (Produit Structuré) Proprietary structured investment product designed to combat inflation, offering predefined characteristics including duration, underlying asset, annual yield, and capital guarantees, accessible through life insurance or PER contracts (via APICIL).
- Private Equity (Capital Investment) Access to non-listed company investments including venture capital, growth equity, LBO, and private debt through various fund structures (FCPR, FPCI, FIP, FCPI) with potential tax advantages and higher returns over long-term horizons, distributed via partners such as Altaroc, Eurazeo, InterInvest, and Vatel Capital.
- SCPI (Société Civile de Placement Immobilier) Real estate investment through SCPI 'pierre-papier' allowing investors to access diversified property portfolios with yields up to 8%, managed by specialized asset management companies, accessible from €500.
- Pinel (New Real Estate Investment) New property investment offering tax reductions of 9-14% depending on rental commitment duration (6-12 years), with managed rental services and access to premium developers including Nexity, Kaufman & Broad, and Cogedim.
- LMNP (Location Meublée Non Professionnelle) Furnished rental property investment offering tax advantages through micro or real taxation regimes, available in both existing properties and managed residences in partnership with Réside Études and Little Worker.
- Girardin Industriel Overseas industrial investment providing tax reductions up to 120% of invested capital, supporting DOM-TOM economic development through industrial and agricultural equipment financing with G3F guarantee protection (partnered with Ecofip and CF Profina).
- Groupement Forestier d'Investissement (GFI) Forestry investment offering 18-25% tax reductions, 75% succession/donation tax exemption, and 75-100% IFI exemption, managed by France Valley with diversified forest holdings.
- FCPI (Fonds Commun de Placement en Innovation) Innovation-focused capital investment fund offering up to 25% tax reduction, investing in European SMEs under 10 years old with significant R&D expenditure, with capital locked for a minimum of 5 years.
- Cryptocurrency Investment Guidance Cryptocurrency investment guidance and education covering Bitcoin, Ethereum, Cardano, and Solana, with educational resources on blockchain technology, trading strategies, staking, and yield farming.
- Tax Declaration Assistance Income tax declaration optimization service with three tiers (Standard €150-200, Advanced €250-300, Bespoke €400-500) using proprietary technology to identify tax reductions, with expert video consultation available.
- Tax Declaration Rectification Verification of last 3 years' tax declarations by wealth engineering experts (free), with €500 fee for corrections and 18-12% commission on recovered amounts up to/above €50,000 respectively.
- Tiered Wealth Management Services Three-tiered wealth management service: Gestion de Patrimoine (from €1,000), Gestion Privée (from €100,000), and Gestion de Fortune (from €1,000,000), with dedicated advisors and increasingly sophisticated solutions including Luxembourg insurance, Lombard credit, and advanced tax structuring.
Quantifiable outcome
- 1.5% global fees vs 3% at traditional banks
- +2 more outcomes
Companies that use Climb
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Climb technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Climb partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- GeneralicoreInsurance partner for Assurance Vie products. Active since 1831, with more than €700 billion in assets under management. One of Climb's primary insurance partners for life insurance products.
- Arkéa (Crédit Mutuel Arkéa)coreInsurance partner through Vie Plus brand (group Crédit Mutuel Arkéa), active since 1987, with more than €700 billion in assets under management. Depositary partner CACEIS also mentioned.
- APICILcoreInsurance partner for Structured Products (Produits Structurés). Climb's own structured product is available through APICIL insurance vie or PER contracts.
- AltarocminorPrivate Equity fund of funds specialist, known for selecting top quartile funds with ultra-diversification.
- EurazeominorMajor investment company, active since 2001, with more than €26 billion in assets under management. Partner for FCPI and direct Private Equity investments.
- InterInvestminorPartner for FCPI investments and Girardin Industriel products. Active since 1991, with more than €3.5 billion in Girardin financing.
- Vatel CapitalminorPartner for FCPI investments, active since 2008, with more than €300 million in assets under management.
- Réside ÉtudesminorPartner for LMNP (Location Meublée Non Professionnelle) investments in managed residences.
- Little WorkerminorPartner for LMNP (Location Meublée Non Professionnelle) investments.
- EcofipminorGirardin Industriel partner, active since 2003, with more than €200 million in investments financed annually.
- CF ProfinaminorPartner for Girardin Industriel products.
- France ValleyminorLeading Groupement Forestier d'Investissement (GFI) partner. France Valley Investissements active since 2010 with more than €3 billion in assets under management.
- Various Promoters (Nexity, Kaufman & Broad, Cogedim)minorReal estate promoters for Pinel investments. Climb works with approximately 20 property developers to cover the entire French territory including major names like Nexity, Kaufman & Broad, and Cogedim.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Climb competitors and assessment
Company assessmentDirect peers
- Nalo: French hybrid wealth management platform combining robo-advisor ETF portfolios with human advisor access for Assurance Vie and PEA, targeting the same mass-affluent French segment as Climb with a similar tech-enabled advisor model.
- Moneyfarm: European digital wealth manager with established UK and Italy presence, offering managed ETF portfolios and pension products. Comparable to Climb in tech-led wealth management approach and is a relevant peer given Climb's launch into Italy.
- Lucya: French wealth management fintech focused on financial empowerment, offering ETF portfolios via Assurance Vie with human advisor support. Overlaps with Climb on hybrid model and French mass-affluent customer base.
- Yomoni: Pioneer French robo-advisor managing ETF portfolios through Assurance Vie and PEA, primarily digital with limited human advice. Directly comparable in target market and product mix though heavier on pure-DLM and lighter on advisor-led service than Climb.
- Altaprofits: French wealth management comparison and advisory platform that distributes Assurance Vie, PER, and SCPI products from multiple partners. Comparable in open-architecture approach and French retail/mass-affluent focus.
- Ramify: Paris-based wealth management fintech offering ETF portfolios and access to private equity funds via Assurance Vie wrappers, with a digital-plus-advisor approach that closely mirrors Climb's hybrid model for French retail and mass-affluent clients.
- Fundshop: French online wealth management comparator and advisor that helps clients select Assurance Vie and PER products from a broad partner panel. Overlaps with Climb on partner-distributed wealth products and French retail focus.
Broad incumbents
- Boursorama Banque: Major French online bank owned by Société Générale, offering Assurance Vie, PEA, and brokerage services to retail and affluent clients. A scaled incumbent whose wealth management offering competes for the same mass-affluent segment as Climb.
- Fortuneo Banque: French online bank offering Assurance Vie, PER, and brokerage products to retail investors. Incumbent broad financial services player whose wealth products overlap with Climb's target market.
- BNP Paribas Wealth Management: Wealth management arm of France's largest bank, serving HNW and UHNW clients globally. A scaled incumbent whose high-end private banking and Climb's Gestion Privée and Gestion de Fortune tiers target overlapping wealthy entrepreneur and family segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Climb social profiles
Digital presenceClimb financial estimates
Financial estimateRevenue estimate
Valuation estimate
Climb leadership team
Management profileNumber of profiles
Profiles3 records
Climb funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Climb M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Climb
What does Climb do?
Climb is a French wealth management fintech that provides personalized investment advisory and tax optimization services to affluent individuals. The platform combines human financial advisors with digital tools to offer a diversified range of tax-advantaged investment vehicles — Assurance Vie, PER, Structured Products, Private Equity, SCPI, Pinel, LMNP, FCPI, Girardin Industriel, and Groupement Forestier d'Investissement — delivered across three service tiers starting at €1,000, €100,000, and €1,000,000. It also provides tax declaration assistance and rectification services using proprietary identification technology.
Is Climb a public or private company?
Climb is a private company. It is classified as venture growth investor backed and is currently operating.
When was Climb founded?
Climb was founded in 2016. It employs 1 to 10 people.
Where is Climb based?
Climb is headquartered in Paris, France, in the Europe region.
How does Climb make money?
Two revenue lines are on record. Retrocession Commissions from Partners are the primary driver. The others are financial Advisory Services.
Who are Climb's main competitors?
Direct peers on record are Nalo, Moneyfarm, Lucya, Yomoni, Altaprofits, Ramify and Fundshop. Broad incumbents are Boursorama Banque, Fortuneo Banque and BNP Paribas Wealth Management.
Does Climb have an API?
No public API is recorded for Climb.
What industry is Climb in?
Climb's product category is Wealth Management. Its primary akta.pro industry code is FSAAAAAE, Hybrid Advice (Advisor + Digital) Platforms, with a secondary code of FSAGAEAE, Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools. Its NAICS code is 525 and its SIC code is 6311.