CORUM L'Epargne

What CORUM L'Epargne does

CORUM L'Epargne is a Paris-based, independently-owned French savings and investment management company that distributes a vertically integrated range of real estate and financial savings products to individual retail savers, high-net-worth investors, and corporate clients. Founded in 2012 with the launch of CORUM Origin, the firm has expanded to four SCPI products (CORUM Origin, CORUM XL, CORUM Eurion, and CORUM USA), three savings wrappers (CORUM Life assurance vie, CORUM PERLife retirement plan, and CORUM Capi capitalisation contract), and four bond funds (BCO, CORUM BEHY, CORUM Visio, CORUM Tellia). Its product suite covers eurozone-diversified real estate, international real estate with currency exposure, ISR-labeled ESG real estate, US real estate, and corporate debt.

The company operates a digital subscription platform enabling end-to-end online investment in under 20 minutes, complemented by simulators for SCPI performance, bare-ownership (demembrement), and credit-financed purchases. Real estate portfolios are managed directly through seven proprietary European offices without intermediaries, covering properties across 18 countries and 7 sectors. Distribution combines direct-to-consumer digital self-service with a network of 2,500+ wealth management advisor partners (CGP), and a partnership with Younited for leveraged SCPI purchases.

Revenue is generated through SCPI subscription fees (11.96%-12% of investment), recurring SCPI management fees (10%-14% of collected rents), assurance vie/PER/capitalisation management fees, and bond fund management fees. CORUM serves over 160,000 savers and reports a 9.2/10 customer satisfaction score, with multiple Gestion de Fortune and industry awards across its product range.

Name

CORUM L'Epargne

Legal name

CORUM L'Épargne

Website

https://corum.fr

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

CORUM L'Epargne is a Paris-based independent French savings firm distributing four SCPI products, life insurance, retirement plans, capitalisation contracts, and bond funds to 160,000+ retail savers and 2,500+ financial advisors via digital and partner channels.

Ownership category

akta.pro rank

Product category

Real Estate Investment Funds (SCPI) and Savings Products

NAICS

Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525), Other Financial Investment Activities (5239)

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Real estate investment funds
• Savings products distribution
• Life insurance plans
• Retirement savings plans
• Bond fund management

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. SCPI Management Fees: CORUM charges annual management fees typically ranging from 10% to 14% of collected rents, which fund property management operations including tenant management, maintenance, and administrative functions across the SCPI portfolios.
2. SCPI Subscription Fees (Frais de Souscription): One-time subscription fees charged when investors purchase SCPI shares. For CORUM Origin, fees are 11.96% of the investment amount (including all charges). For CORUM XL, CORUM Eurion, and CORUM USA, fees are 12% of the subscription amount.
3. Life Insurance and PER Product Management: Revenue generated through the management of CORUM Life (assurance vie), CORUM PERLife (PER - pension savings plan), and CORUM Capi (capitalisation contract), with management fees applied to invested assets.
4. Bond Fund Management: CORUM distributes a range of bond funds (BCO, CORUM BEHY, CORUM Visio, CORUM Tellia) through its savings platform, generating management fees on assets under management. The company states having invested €1.4 billion across more than 160 companies through its bond fund range.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

CORUM L'Epargne distributes a comprehensive range of French savings and investment products, anchored by four SCPI (real estate investment funds) — CORUM Origin (eurozone), CORUM XL (international), CORUM Eurion (ISR-labeled), and CORUM USA. The offering is complemented by life insurance (CORUM Life), a retirement savings plan (CORUM PERLife), a capitalization contract (CORUM Capi), and four bond funds (BCO, CORUM BEHY, CORUM Visio, CORUM Tellia). Products are sold directly online and through a network of 2,500+ wealth management advisors.

Product overview

CORUM L'Epargne is a French financial services company that distributes a comprehensive range of real estate and savings products. The core offering centers on four SCPI (Société Civile de Placement Immobilier) products: CORUM Origin (diversified euro zone SCPI), CORUM XL (international SCPI with currency exposure), CORUM Eurion (ISR-labeled responsible investment SCPI), and CORUM USA (first French SCPI investing in US real estate). Complementing the SCPI range are savings wrappers including CORUM Life (life insurance), CORUM PERLife (retirement savings plan), and CORUM Capi (capitalization contract). The company also offers a suite of four bond funds (BCO, CORUM BEHY, CORUM Visio, CORUM Tellia) and investment support tools including simulators for SCPI and dematerialization investments. Products are distributed directly online with dedicated advisors providing personalized support.

Differentiator

Problem solved

Functional benefit

Brands

• CORUM Origin: Historical SCPI of the CORUM group, investing in diversified real estate across 13 euro zone countries with 169 buildings and approximately 424 tenant companies.
• CORUM XL
• CORUM Eurion
• CORUM USA
• CORUM Life
• CORUM PERLife
• CORUM Capi

Products and services

• CORUM Origin Historical SCPI of the CORUM group investing in diversified real estate across 13 eurozone countries with 169 buildings and approximately 424 tenant companies. Targets regular monthly dividend payments with an objective of maintaining yield above 6% since creation.
• CORUM XL International SCPI investing in Europe and beyond the eurozone with 91 buildings across 11 countries. Offers currency diversification and exposure to non-euro markets with potential for higher returns alongside exchange rate risk.
• CORUM Eurion ISR (Investissement Socialement Responsable) labeled SCPI combining social responsibility with performance goals. Invests in eurozone real estate selected for appreciation potential across 52 buildings in 8 countries, with environmental, social, and governance criteria integrated into the investment process.
• CORUM USA First French SCPI investing in US real estate, providing access to the largest real estate market in the world. Invests in Texas, California, and New York with exposure to the US dollar as the world's reference currency.
• CORUM Life Life insurance (assurance vie) product offering flexible savings with access to various investment funds including euro funds (CORUM EuroLife) and units of account. Accessible from €50/month via programmed investments. Provides enhanced tax treatment after 8 years of holding.
• CORUM PERLife Retirement savings plan (Plan d'Épargne Retraite) allowing tax-deductible contributions within legal limits while building retirement income. Supports investment in SCPI and euro funds, and at retirement can be converted to annuity or taken as capital.
• CORUM Capi Capitalization contract designed for companies, associations, and individuals to invest surplus cash while seeking performance and optimizing wealth transmission. Accessible from €1,500, with similar fiscal treatment to assurance vie.
• BCO (CORUM Bond Capital) Bond fund focused on regularity in returns through diversified bond investments across various issuers and maturities. Distributed via the savings platform.
• CORUM BEHY Dynamic bond fund seeking growth through strategic bond allocation across different market conditions and economic cycles. Distributed via the savings platform.
• CORUM Visio Bond fund focused on visibility and predictable returns, designed to provide clear investment horizons and stable income potential. Distributed via the savings platform.
• CORUM Tellia ESG-focused bond fund (Investissement Socialement Responsable) that selects bonds based on environmental, social, and governance criteria. Distributed via the savings platform.
• SCPI Démembrement (Nue-Propriété) Bare ownership (nue-propriété) investment option across CORUM SCPI allowing purchase at a discounted price of 13% to 45% depending on demembrement duration (3 to 20 years). No dividends are paid during the demembrement period; full ownership is recovered automatically at the end of the term.

Quantifiable outcome

• CORUM Origin has maintained annual yields above 6% every year since its creation in 2012, ranking among the best-performing SCPI in the market
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• YounitedminorChannel Partner/ Reseller/ DistributorCORUM has partnered with Younited to offer SCPI investment at credit, enabling investors to finance their SCPI purchases through borrowed capital. This partnership allows investors to leverage their investment with potential tax benefits on interest payments, while Younited provides the lending service.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sofidy: One of France's largest SCPI and real estate asset managers, part of Tikehau Capital. Sofidy manages a broad SCPI range (Immorente, Efimmo, etc.) directly comparable to CORUM Origin, XL, and Eurion in product structure and target investor base.
• Perial: Independent French SCPI manager with flagship diversified SCPIs (PF Grand Paris, PFO2). Comparable to CORUM in asset class focus (commercial real estate SCPI), target retail investor base, and CGP distribution approach.
• Spirica: Life insurance and capitalization contract distributor (subsidiary of Crédit Agricole) offering SCPI wrappers (e.g., via Predirec) to French retail savers. Comparable to CORUM Life, PERLife, and Capi on insurance/per wrapper product structure and distribution.
• La Française Real Estate Managers: Real estate investment manager within La Française Group, managing SCPI products across European markets. Comparable to CORUM in offering diversified SCPIs to French retail investors via wealth advisor channels.
• Meilleurtaux Placement: French online wealth advisory platform distributing SCPI, assurance vie, and PER products to retail savers. Comparable to CORUM in combining digital subscription tools with CGP-style advisory for the same French retail savings market.
• Ciloger / Ampere Gestion: SCPI manager historically associated with Caisse d'Epargne, now under Primonial. Comparable to CORUM in managing diversified French SCPI vehicles for retail savers and partner distributors.
• Primonial: French wealth management group distributing SCPI, assurance vie, and PER products through a CGP-advisor network. Directly comparable to CORUM on product mix, distribution model, and target high-net-worth French retail investors.

Emerging players

• Iroko: Digital-native French SCPI platform offering online subscription to a curated SCPI selection. Comparable to CORUM's digital subscription approach but narrower product range and earlier stage; an emerging competitive threat on fee transparency and UX.
• Bricks: Online real estate investment platform tokenizing fractional property ownership for retail investors. Adjacent competitor targeting similar retail savers who want accessible real estate exposure, though using a different product structure.

Broad incumbents

• Amundi: Europe's largest asset manager, offering SCPI-adjacent real estate funds and assurance vie products through French retail channels. Comparable in providing diversified savings and real estate products but at significantly broader scale across many asset classes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Corum_LEpargne
• Facebookfacebook.com/CORUM.LEpargne
• LinkedInlinkedin.com/company/corum-l-epargne

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 CORUM L'Epargne