Apagl

What Apagl does

Apagl (Association Pour l'Accès aux Garanties Locatives), founded May 20, 2005 and headquartered at 21 Quai d'Austerlitz, Paris, is a non-profit association (loi 1901) that operates the Visale rental guarantee scheme on behalf of Groupe Action Logement. With a lean staff of approximately 7 employees split between Paris and Bordeaux, the association manages a fully digital, self-serve platform at visale.fr through which tenants apply for and landlords activate a free rental guarantee covering up to 36 months of unpaid rent and up to two months of move-out damages. Visale is targeted primarily at young people under 30, salaried employees earning up to €1,500 net/month, workers in precarious contracts (CDD, interim, apprenticeship, seasonal), job seekers in professional mobility, and private landlords seeking de-risked tenancies. The platform is distributed through a dense institutional network including Pôle Emploi, CROUS/CNOUS, FASTT, FNAIM/SNPI/UNIS, GCJAI, FAR&MG, and AIRES, with the broader Action Logement ecosystem providing employer- and union-based reach.

Apagl's business model is structurally non-commercial. There is no fee charged to tenants or landlords; the device is 100% funded by Action Logement Groupe through paritarian contributions from employer confederations (MEDEF, CPME) and trade unions (CFDT, CGT), with Action Logement allocating approximately €130 million annually to the Visale scheme. Governance is exercised through quinquennial conventions with the French State — the 2023-2027 convention sets a target of 2.1 million new contracts. As of July 2026 Visale had issued over 2 million guarantees since its 2016 launch, with 350,000 contracts placed in 2025 alone. Apagl also operates a secondary product, Louer Pour l'Emploi, extending Visale protection to cover full tenancy duration, and coordinates with complementary Action Logement mobility aids (MOBILI-JEUNE, MOBILI-PASS, LOCA-PASS).

Technology and product evolution are incremental rather than disruptive. The core platform is a WordPress-hosted website (apagl.fr) plus a transactional platform (visale.fr) with no public API, SDK, or documented AI/ML capabilities. Product evolution has emphasized eligibility expansion (June 2021 broadened access to all private-sector employees earning up to €1,500 net/month regardless of age), geographic rent-ceiling segmentation (January 2026), and use-case extensions such as the Cohabitation Intergénérationnelle Solidaire experiment with Réseau Cohabilis (March 2026). The Partenaire Ambassadeur program, launched at the FNAIM Congress in December 2022, trains property managers as certified promoters of Visale. Earlier products PASS-GRL and GRL were discontinued after transitioning to the current Visale device.

Name

Apagl

Legal name

Association Pour l'Accès aux Garanties Locatives (APAGL)

Website

https://apagl.fr

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Apagl is a French non-profit association operating the Visale free digital rental guarantee on behalf of Groupe Action Logement, covering up to 36 months of unpaid rent for tenants under 30, modest-income employees, and workers in precarious contracts.

Ownership category

akta.pro rank

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

Revenue model

1. Action Logement Paritarian Funding: Apagl is a non-profit association funded by Action Logement Groupe, the paritarian organization of French employers and unions. Action Logement allocates approximately 130 million euros annually to fund the Visale guarantee scheme, covering unpaid rent payments and operational costs of the device.
2. Social Partner Contributions: Governed by representatives of employee trade unions and employer confederations (CFDT, CPME, MEDEF, etc.). Funding comes from the paritarian social partners of Action Logement who collectively finance housing assistance programs including the Visale guarantee.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

Apagl operates the Visale device, a 100% digital and free rental guarantee service that secures landlords against unpaid rent and property damage for up to 36 months. The service is accessible via the visale.fr platform to eligible tenants (primarily under 30s, employees with salaries up to 1,500 EUR net/month, those in professional mobility, and precarious employment situations). Apagl also operates Louer Pour l'Emploi, which extends Visale coverage to the full duration of tenancy and provides additional services to property owners and 'labeled' employees.

Product overview

APAGL operates as a social utility association managing rental guarantee and housing access solutions. The core product is Visale, a 100% digital, free rental guarantee that protects landlords against unpaid rent for up to 36 months and covers property damage. Visale is supplemented by Louer Pour l'Emploi which extends coverage throughout full tenancy duration. These products connect employment and housing by facilitating access to private rental housing for employees and young people, enabling professional mobility. APAGL previously managed PASS-GRL and GRL products before transitioning to Visale. The organization also coordinates with complementary Action Logement mobility aids (MOBILI-JEUNE, MOBILI-PASS, LOCA-PASS).

Differentiator

Problem solved

Functional benefit

Brands

• VISALE: Free rent guarantee device for private rental housing, covering up to 36 months of unpaid rent and charges, designed to facilitate access to housing and employment mobility
• Louer Pour l'Emploi

Products and services

• Visale Free rental guarantee service that secures landlords against unpaid rent and property damage for the entire duration of the lease (up to 36 months). Accessible to tenants and landlords entirely digitally via visale.fr. Targets young people under 30, employees with salaries up to 1,500 EUR net/month, those in professional mobility, and precarious employment situations.
• Louer Pour l'Emploi Comprehensive rental service extending Visale protection to cover the full duration of tenancy occupancy, providing additional services to property owners (rent guarantees, property damage coverage, energy renovation) and 'labeled' employees seeking housing near their workplace.

Quantifiable outcome

• 2,000,000+ guarantees granted, 350,000 in 2025 alone
• +6 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Twelve partnerships are on record, tiered minor and core.

• Réseau CohabilisminorStrategic or Co-development Partner · 24 March 2026Action Logement, APAGL, and the Réseau Cohabilis signed a partnership convention to launch an experimentation of the Cohabitation Intergénérationnelle Solidaire (CIS). Under CIS, young active professionals share housing with elderly residents in under-occupied homes. The Visale guarantee is now available for CIS contracts, with Cohabilis as the first partner to experiment with this new use of Visale.
• GCJAI (Groupement des Commissaires de Justice et Administrateurs d'Immeubles)minorGTM or Marketing Partner · 12 December 2024Partnership to strengthen promotion and use of the Visale device. The convention targets property administrators who manage rental properties and can recommend Visale to landlords. Special focus on seasonal worker housing in tourist territories and promoting Action Logement devices including LPE and Action Cœur de Ville.
• Happywait MeantimeminorStrategic or Co-development Partner · 9 March 2023APAGL partnered with Happywait Meantime to promote Visale to property investors acquiring through VEFA (off-plan purchases). Meantime by Happywait is a platform accompanying developers and investors throughout the acquisition process. The partnership enables Visale to be offered from the start of investment projects, securing future rental income for landlords.
• FASTT (Fonds d'Action Sociale du Travail Temporaire)coreStrategic or Co-development Partner · 20 April 2022Signature of a partnership convention in April 2022 to strengthen cooperation with FASTT. Visale addresses the housing needs of temporary workers, who face particular challenges due to non-permanent employment contracts. This partnership ensures FASTT members can access the guarantee quickly and digitally.
• AIRES (Professional Housing Intermediaries)minorGTM or Marketing Partner · 23 November 2021Partnership convention with AIRES (professional rental intermediation network) to facilitate housing access for young people and students through the Visale device. Joint efforts to promote Visale among intermediaries operating in the private rental market.
• Pôle EmploicoreStrategic or Co-development Partner · 18 March 2019Framework convention signed in March 2019 between Action Logement and Pôle Emploi to facilitate housing access for job seekers in professional mobility. The three axes are: shared expertise on target populations and territories; optimized use of Action Logement aids and services; and concrete territorial initiatives to fluidify professional mobility.
• FAR&MG (Fédération des Acteurs de la Relocation)minorStrategic or Co-development Partner · 11 September 2018Partnership in favor of professional and geographic mobility of employees. Commits to promoting Action Logement mobility aids and Visale, and accompanying the deployment of 'Louer pour l'Emploi' device. Also aims to create a 'professional mobility observatory' to study professional mobility flows.
• CNOUS (Centre National des Oeuvres Universitaires et Scolaires)coreStrategic or Co-development Partner · 29 June 2018Convention signed to facilitate student and alternate access to housing. Three axes: extending Visale to all students and alternates under 30 in all rental parks; encouraging CROUS to conclude territorial conventions with Action Logement for access to university residences; and sharing innovation expertise on student housing.
• FNAIM (Fédération Nationale des Agents Immobiliers)coreGTM or Marketing Partner · 1 January 2017Long-standing partnership with FNAIM, France's largest real estate professional federation, to promote Visale among property managers and private landlords. Multiple partnership conventions signed (2017, 2022). APAGL also participates in the annual FNAIM Congress and launched the Partenaire Ambassadeur program at FNAIM 2022.
• SNPI and UNISminorGTM or Marketing Partner · 1 January 2017Partnership conventions signed alongside FNAIM in 2017 to jointly promote Visale among real estate professionals and facilitate employee housing mobility in the private rental sector.
• FASTT (Fonds d'Action Sociale du Travail Temporaire)coreStrategic or Co-development Partner · 20 January 2016Reinforced cooperation with FASTT to serve temporary workers (intérimaires) seeking housing. Visale addresses the specific challenge of housing access for non-permanent employment contracts, a key barrier for this workforce.
• French State (République Française)coreStrategic or Co-development Partner · 20 January 2016Co-founded with the French State, which signed the initial convention with Action Logement social partners to launch Visale in 2016. The State participates in governance through quinquennial conventions, with the most recent covering 2023-2027 setting a target of 2.1 million new contracts.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Garantme: French rental guarantee fintech providing digital surety products to help tenants access housing. Directly comparable to Visale as it targets the same tenant-landlord guarantee need through a digital self-serve model, though operating as a commercial (non-paritarian) entity.
• Cautioneo: French rental guarantee company offering online surety solutions for tenants and landlords. Competes head-to-head with Visale in the digital rental guarantee category, with similar target segments (students, young workers, mobile employees) and product positioning.

Emerging players

• Unkle: French rental insurance and guarantee platform serving tenants and landlords with digital surety offerings. Comparable to Visale in addressing housing access barriers for non-traditional tenant profiles, with a commercial focus on similar mobility and professional relocation use cases.
• Studapart: French student housing platform offering furnished rental listings and tenant services including guarantee solutions for students and young professionals. Shares Visale's young-worker and CROUS-channel customer base and addresses similar housing-access pain points in the student segment.

Broad incumbents

• Action Logement: Parent paritarian group of APAGL and broader provider of housing and employment-mobility aids (MOBILI-JEUNE, MOBILI-PASS, LOCA-PASS). Directly comparable as the umbrella entity funding Visale and offering overlapping housing services to the same employer/employee constituency.
• MAIF: Major French mutual insurer offering home, rental, and personal insurance products including tenant guarantees. Comparable as a broad incumbent providing surety-like products within a much larger insurance portfolio serving French households.
• AXA France: Largest French general insurer offering home and rental insurance products, including tenant guarantee solutions. Comparable as a broad incumbent with overlapping capabilities in the rental risk/guarantee space, though not specialized in the social utility niche.
• Crédit Agricole: Major French banking and insurance group offering home insurance and tenant guarantee products through its regional banks. Comparable as a broad incumbent with housing finance and guarantee capabilities serving the French rental market.
• Allianz France: Major French insurer with home, rental, and personal insurance products including tenant guarantee offerings. Comparable as a broad incumbent providing overlapping rental risk coverage to French landlords and tenants.

Others

• Solendi: French social housing and employee mobility services organization offering housing access aids to employees in professional transition. Comparable as an adjacent ecosystem participant with similar employer-channel distribution and employment-mobility mission.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/actionlogement
• YouTubeyoutube.com/channel/UC-eUUXSRQUZojykVQHo96NQ
• LinkedInlinkedin.com/company/apagl

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds

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 Apagl