Perlib

What Perlib does

Perlib, operated under the legal entity DBL PATRIMOINE SAS, is a French digital wealth management advisory firm founded in 2021 and headquartered at 9 Rue Weber in the 16th arrondissement of Paris. The firm serves primarily French self-employed professionals, liberal professions, salaried employees, and individual retail investors seeking retirement planning (PER), life insurance (assurance-vie), real estate investment (SCPI, crowdfunding, rental property), tax optimization (LMNP, Malraux, Girardin, Monuments Historiques), and estate planning. Perlib holds the regulatory authorizations required for its brokerage model: CIF registration (via LA COMPAGNIE CIF / AMF), insurance intermediation (via CNCEF / ACPR), and a professional real estate card from the CCI de Paris.

The core platform is a fully digital (100% dematerialized) subscription and contract management journey supported by Salesforce and HubSpot-based client portals and a proprietary suite of online financial simulators covering PER performance, contribution limits, annuity projections, mortgage capacity, capital gains, SCPI yields, life insurance, and succession tax. Clients access free advisory services and are then routed to a dedicated AMF-certified advisor in permanent contract. The platform is complemented by a proprietary fund (Fonds DBL Avenir Patrimoine) and a B2B employee financial wellbeing product (FinCare). The technology stack is standard SaaS plus deterministic simulators; no AI/ML capability is disclosed.

Perlib's revenue model is insurance intermediation commissions: the firm earns a percentage of premiums or fixed fees from a curated panel of 60+ partner insurers and product providers (Swiss Life, Generali, Abeille Assurances, Cardif, Arkéa REIM, Eres, Eurazeo, Opale Capital, etc.) when clients subscribe to those products. Advisory and simulation services are provided at no cost to the client. The firm has accumulated over €200M in client assets under advice and 5,000+ clients (10,000+ investors cited on the main site) since founding, and has been recognized with three consecutive 'Meilleur Conseil Epargne' awards from Challenges magazine (2023, 2024, 2025).

Name

Perlib

Legal name

DBL PATRIMOINE, SAS

Website

https://perlib.fr

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Perlib is a Paris-based digital wealth management advisory firm (DBL PATRIMOINE SAS), founded in 2021, that provides free, human-led advisory on retirement savings (PER), life insurance, real estate investment, and tax optimization to French self-employed professionals, employees, and individual retail investors, earning revenue via commissions from a panel of 60+ institutional product partners.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Wealth management advisory
• Retirement savings planning
• Life insurance brokerage
• Real estate investment advisory
• Tax optimization services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Insurance Intermediation Commissions: Perlib acts as an insurance broker and financial investment advisor ( CIF ), earning commissions paid by its insurer partners when clients subscribe to life insurance, retirement (PER), or other insurance products. The company discloses that it receives commissions from partner insurers and is not obligated to work exclusively with any single insurer. The remuneration model is based on a percentage of premiums or fixed fees negotiated with each partner.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Perlib is a digital wealth management advisory and insurance brokerage firm providing free, long-term personalized advisory services across retirement planning (Plan Épargne Retraite / PER), life insurance (assurance-vie), real estate investment, and tax optimization. The firm operates a 100% dematerialized subscription journey supported by proprietary financial simulation tools, and distributes products from a curated panel of 60+ institutional partners including Swiss Life, Generali, Abeille Assurances, and Cardif. Revenue is earned through commissions paid by partner insurers and product providers on subscribed contracts.

Product overview

Perlib operates as a digital wealth management platform centered on perlib.fr, offering a comprehensive suite of financial advisory and planning services. The portfolio centers on three core pillars: retirement savings (Plan Épargne Retraite/PER), life insurance (Assurance Vie), and real estate investment (Immobilier). These are complemented by specialized investment products including SCPI, Crowdfunding Immobilier, Private Equity, and Produits Structurés, as well as tax optimization solutions via LMNP, Monuments Historiques, Malraux, and Girardin schemes. The offering includes a proprietary fund (Fonds DBL Avenir Patrimoine), a premium Gestion Privée advisory tier, and the B2B FinCare employee benefit platform. A suite of digital simulation tools supports client planning. The platform is operated by DBL PATRIMOINE, registered with ORIAS as a financial investment advisor and insurance broker, emphasizing a hybrid model combining digital accessibility with human advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan Épargne Retraite (PER) Retirement savings plan offering tax-deductible contributions and flexible withdrawal options for retirement, covering individual and company plans (PER Individuel, PEROB, PERCO). Distributed to French individuals and company employees seeking to supplement government pension.
• Assurance Vie Life insurance savings contract offering flexible investment options in euros funds and units of account, with death benefit and succession advantages. Distributed to French individual savers and investors.
• Investissement Immobilier (Real Estate Investment) Real estate investment services including rental property, student residences, and property crowdfunding, with access to various tax optimization schemes. For French investors seeking direct property exposure.
• SCPI (Société Civile de Placement Immobilier) Real estate investment trusts allowing investors to access diversified property portfolios with professional management and regular income distributions.
• Crowdfunding Immobilier Real estate crowdfunding platform connecting investors with property development projects for potential high returns with varying risk profiles.
• Private Equity Non-listed equity investment opportunities allowing access to unlisted company shares for wealth growth and portfolio diversification.
• Produits Structurés (Structured Products) Structured investment products offering defined return profiles with capital protection options, combining traditional and derivative instruments.
• Fonds DBL Avenir Patrimoine Proprietary diversified investment fund managed by DBL Patrimoine offering active management and potential capital appreciation.
• LMNP (Loueur Meublé Non Professionnel) Furnished rental investment status providing tax advantages through amortization deductions and potential BIC regime benefits for French property investors.
• Monuments Historiques Historic monument restoration investment offering significant tax deductions for renovation costs under France's cultural heritage preservation scheme.
• Loi Malraux Tax reduction investment in designated restoration zones, offering deductions against rental income and property appreciation potential.
• Loi Girardin Overseas investment scheme providing immediate tax reductions in exchange for capital investment in eligible DOM-TOM projects.
• Contrat de Capitalisation Capitalization contract similar to life insurance but without beneficiary designation, offering flexible savings accumulation with tax advantages.
• Gestion Privée (Private Wealth Management) High-end wealth management service offering comprehensive, personalized advisory for structuring and maximizing client assets, targeted at higher-net-worth French individuals.
• FinCare by Perlib B2B employee financial wellbeing program making financial education and planning tools accessible through company benefit programs. Targeted at French employers and HR departments.

Quantifiable outcome

• 5.8% average annual performance for managed client portfolios (example: Marie Tourell case study)
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core.

• Swiss LifecoreTechnology or IntegrationSwiss Life is listed as one of Perlib's insurance partner companies. Perlib distributes Swiss Life life insurance and retirement products to its clients as part of its curated panel of insurers. The partnership follows a standard brokerage commission model.
• GeneralicoreTechnology or IntegrationGenerali Vie is identified as a key insurance partner of Perlib. Perlib acts as an intermediary to recommend and subscribe Generali insurance products for its client base.
• Abeille AssurancescoreTechnology or IntegrationAbeille Assurances is listed among Perlib's insurance partners for life insurance and retirement products distribution.
• CardifcoreTechnology or IntegrationCardif (BNP Paribas Cardif) is mentioned as one of Perlib's insurance partner companies for distributing insurance products.
• LA COMPAGNIE CIFcoreStrategic or Co-development PartnerPerlib is registered as a Financial Investment Advisor (Conseiller en Investissement Financier) member of LA COMPAGNIE CIF, an association approved by the Autorité des Marchés Financiers (AMF). This is a mandatory regulatory membership required for Perlib's CIF license.
• CNCEFcoreStrategic or Co-development PartnerPerlib is registered as an insurance intermediary member of CNCEF, an association approved by the ACPR (Autorité de Contrôle Prudentiel et de Résolution). This membership is mandatory for Perlib's insurance brokerage activities.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Yomoni: France's largest pure-play robo-advisor providing managed life-insurance and PER portfolios; a direct competitor for the same mass-affluent retail saver and competes on a similar partner-broker distribution model.
• Nalo: French digital wealth manager (robo-advisor plus human advisory) offering life insurance, PER and SCPI via partner insurers; competes head-on with Perlib for the same self-employed and salaried client base via a freemium digital funnel.
• Patrimonea: Independent French wealth management advisor network with similar free-advice positioning, CIF registration, and insurance broker partnerships to Perlib.
• Magnolia Patrimoine: Independent French wealth management advisor (CIF and insurance broker) serving individual clients with PER, assurance-vie and real estate; comparable scale, model and target client as Perlib.
• Meilleurtaux: Major French financial product comparator and broker distributing loans, insurance, and savings products via online lead generation; overlaps with Perlib's SEO-led, simulator-driven customer acquisition strategy.

Broad incumbents

• Boursorama Banque: France's leading online bank (Société Générale subsidiary) offering assurance-vie, PER, and brokerage directly to consumers; a much larger incumbent competing for the same digitally native retail investor.
• BoursoBank (Boursorama brand entity): Re-branded Boursorama retail banking arm offering fully digital savings, brokerage and PER products; large-scale direct competitor with free account offerings targeting the same French retail saver.
• Fortuneo: French online bank and broker offering life insurance, PER and securities trading with low fees; relevant incumbent competitor for digital-first retail savers.

Others

• Harvest: Leading French fintech providing wealth-management software and APIs to independent advisors and CIF brokers; an enabling technology peer to Perlib's back-office and simulator stack.

Emerging players

• Scalable Capital: European digital wealth manager active across Germany, France and Iberia offering managed portfolios at low cost; an emerging pan-European peer that could enter France more aggressively.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Perlib-105133421627138
• LinkedInlinkedin.com/company/perlib

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Perlib