cautioneo
Cautioneo is a French digital rental guarantee platform founded in 2018 in Lille, providing tenant guarantee certificates and landlord unpaid-rent insurance to tenants, property owners, and real estate agencies across France.
- Company typePrivate
- Founded2018
- HeadquartersLille, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What cautioneo does
Cautioneo is a French digital rental guarantee platform founded in 2018 and headquartered at the Euratechnologies business park in Lille. The company operates as a SAS (Société par Actions Simplifiée) under RCS Lille 837 897 370 with a registered share capital of €83,961, and is structured as a subsidiary of the diversified insurance group Groupe Odealim. Cautioneo offers two integrated products on a single web application: (i) Garantie Locataire, in which the company acts as a moral guarantor for tenants seeking rental housing without personal guarantors, certifying tenant dossiers in under 48 hours via an AI-assisted 198-point document verification process and issuing an Accord de Garantie accepted by landlords in 9 of 10 cases; and (ii) Assurance Loyers Impayés (GLI), an unpaid-rent insurance product for landlords that provides monthly indemnification from the first default with no deductible, plus €10,000 of property deterioration coverage and €16,000 of legal protection.
The business operates a direct-to-consumer digital model layered with a channel-partner distribution network of more than 5,000 real estate agencies across France — including ORPI, Nexity, Guy Hoquet, Capifrance, Agences Réunies, and Nemea — plus referral relationships with insurance comparators Selectra and Smartloc and property management platforms such as Rentila. Pricing for the tenant guarantee is structured as an annual subscription of 3.75% of monthly rent (reduced rate for students and public sector employees) or 4.1% (standard), plus a €12 annual brokerage fee; a priority Express service is sold at €29 per request for sub-6-hour turnaround. Guarantees are underwritten by Sada Assurances, a specialist insurer with billions of euros in equity that provides the institutional capacity behind each contract, while Cautioneo itself is regulated as an insurance intermediary under ORIAS registration N° 18002447 and the French Code des Assurances.
Since founding, Cautioneo states it has served 70,000+ tenants and insured property owners, holds a 4.6/5 average across 1,500+ verified reviews on Google and Avis Vérifiés, and has been featured in Forbes France, Les Echos, L'Argus de l'Assurance, and La Tribune. Beyond the two core products, the company operates a gated rental listing platform (annonces.cautioneo.com) accessible to holders of a valid Accord de Garantie, an Express document review service, a legal dispute management service for landlords, and a free concierge service (via BeMove) for tenants handling moving services, energy, and home insurance. The customer base spans individual tenants (including students, CDD workers, self-employed, retirees, and expatriates), individual and professional landlords, and real estate agencies; geographic footprint is currently Metropolitan France with stated coverage of French Overseas Territories, and no venture-stage funding rounds beyond an initial 2018 Founders Future seed appear in the source material.
cautioneo firmographics
Firmographics- Name
- cautioneo
- Legal name
- Cautioneo
- Website
- https://cautioneo.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cautioneo is a French digital rental guarantee platform founded in 2018 in Lille, providing tenant guarantee certificates and landlord unpaid-rent insurance to tenants, property owners, and real estate agencies across France.
- Ownership category
- akta.pro rank
cautioneo industry classification
Industry- Product category
- Rental Guarantee Insurance
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Surety Insurance (6351)
- akta.pro primary industry
- Surety & Bond Brokerage (FSAEADAI)
Keywords
Where cautioneo is headquartered
LocationHeadquarters
- HQ city
- Lille
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
cautioneo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Tenant Guarantee (Garantie Locataire): Cautioneo charges tenants an annual subscription fee based on a percentage of their monthly rent including charges. This is the primary revenue stream, with fees ranging from 3.75% to 4.1% of monthly rent plus €12 annual brokerage fees. The fee is paid by the tenant, is free for the property owner, and provides the landlord with rent default protection.
- Rent Guarantee Insurance (Assurance Loyers Impayés): Cautioneo provides property owners with insurance against unpaid rent, deterioration, and legal costs. This complementary product indemnifies landlords monthly without deductible or waiting period from the first default. Premiums and coverage details are determined based on tenant profile and property characteristics.
- Express Analysis Service: Priority document review service priced at €29 for tenants requiring urgent guarantee approval within 6 hours during business hours (Monday-Friday, 10am-6pm).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard rate for employed tenants and general public |
| Subscription | Annual | Reduced rate for students and public sector employees |
| Unit Pricing | Pay-as-you-go | Priority Express Analysis for urgent guarantee requests |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
cautioneo product offering
Product offeringCore offering
Cautioneo acts as a moral guarantor between tenants and property owners in the French rental market, providing a tenant guarantee (Garantie Locataire) that certifies tenant dossiers and substitutes for a personal guarantor, and an unpaid-rent insurance product (Assurance Loyers Impayés / GLI) that indemnifies landlords against tenant defaults and property deterioration. The platform combines AI-driven document verification across 198 control points with backing from Sada Assurances to deliver institutional-grade rental risk protection.
Product overview
Cautioneo operates a dual-product rental risk management platform serving both tenants and landlords in the French rental market. The core offering consists of two integrated products: (1) Garantie Locataire — a tenant guarantee service acting as moral guarantor that certifies tenant dossiers, provides landlords protection against unpaid rent, and accepts all employment profiles including students, CDI, CDD, public sector workers, entrepreneurs, self-employed, retirees, and expats; and (2) Assurance Loyers Impayés (GLI) — an unpaid rent insurance product indemnifying landlords monthly without deductible from the first unpaid rent, with included legal proceedings and degradation coverage. The platform is supplemented by a proprietary rental listings portal, express verification services, legal dispute management, and a concierge service for tenants. The company leverages AI-powered document fraud detection across 198 verification points to certify tenant submissions and maintain zero-fraud guarantees. Cautioneo serves over 70,000 tenants and 5,000+ agency partners, backed by Sada Assurances.
Differentiator
Problem solved
Functional benefit
Products and services
- Garantie Locataire (Tenant Guarantee) A tenant guarantee service under which Cautioneo acts as moral guarantor, certifying tenant dossiers (income, employment status, identification) and providing landlords with protection against unpaid rent. Designed for tenants who lack qualifying personal guarantors across CDI, CDD, self-employed, student, retiree, and expat profiles.
- Assurance Loyers Impayés (GLI) Unpaid-rent insurance for landlords providing monthly indemnification without deductible or waiting period from the first unpaid rent, plus property deterioration coverage up to €10,000, legal protection up to €16,000, and full management of eviction/proceedings and debt recovery.
- Analyse Express (Express Analysis) Priority document review and certification service priced at €29 per request, reducing guarantee approval turnaround from the standard 48 hours to under 6 hours for tenants with urgent lease deadlines.
- Plateforme d'Annonces Cautioneo (Listings Platform) Exclusive rental property listings platform aggregating thousands of properties from 5,000+ partner agencies, accessible only to tenants holding a valid Cautioneo Accord de Garantie, providing preferential access to rental inventory.
Quantifiable outcome
- 9 times out of 10 guarantee applications are accepted by landlords when presented with Cautioneo's Accord de Garantie
- +3 more outcomes
Companies that use cautioneo
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
cautioneo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature4 records
cautioneo partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, major and minor.
- Sada AssurancescoreSada Assurances is a specialist insurer of Guaranteed Rent Insurance with billions of euros in equity that backs Cautioneo's guarantees. This partnership provides the financial backbone and regulatory insurance infrastructure that enables Cautioneo to offer institutional-grade guarantees that exceed what individual guarantors can provide.
- ORPImajorFrance's largest real estate agency network with over 1,200 agencies, ORPI recommends Cautioneo's tenant guarantee services to their clients. The partnership allows ORPI to offer tenants a solution when traditional guarantors are unavailable.
- NexitymajorMajor French real estate developer and property manager, Nexity partners with Cautioneo to provide guarantee solutions for tenants renting through their properties and agencies.
- Guy HoquetmajorNational real estate agency network Guy Hoquet recommends Cautioneo's guarantee services to tenants and property owners as part of their rental service offering.
- SelectramajorLeading French insurance and utility comparator platform Selectra features and recommends Cautioneo's rent guarantee insurance as among the best available options in the market, driving referral traffic.
- SmartlocmajorFrench rental management platform Smartloc includes Cautioneo in its rent guarantee insurance comparisons, recommending it as among the best GLI products with comprehensive coverage including deterioration protection and legal support.
- BeMoveminorBeMove provides free concierge services to Cautioneo clients, offering preferential rates on home insurance, electricity, gas, and internet contracts as part of the moving-in experience.
- RentilaminorProperty management platform Rentila integrates Cautioneo's guarantee solutions for landlords using their platform for tenant management and rent collection.
- Capifrancemajor
- Agences RéuniesminorFrench real estate agency network Agences Réunies integrates Cautioneo's guarantee solutions for their member agencies serving tenants and property owners.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
cautioneo competitors and assessment
Company assessmentEmerging players
- Luko: European InsurTech offering home and renter insurance, with adjacent tenant protection offerings overlapping Cautioneo's landlord-side rent insurance product.
- Smartloc: French property management and rent guarantee comparator/integrator; partner and referral channel for Cautioneo while also enabling competing GLI options on its platform.
Others
- Selectra: Major French insurance and utilities comparator that ranks and recommends rent guarantee products including Cautioneo's; a distribution partner but not a direct competitor.
Broad incumbents
- Allianz France: Major French property and casualty insurer offering GLI and tenant guarantee products as part of a broad personal lines portfolio, competing indirectly with Cautioneo's specialist offering.
- MAIF: Large French mutual insurer offering traditional renters and landlord products including GLI; a broader incumbent providing competing insurance solutions alongside specialty InsurTechs like Cautioneo.
Direct peers
- Garantme: French InsurTech startup offering tenant guarantee services comparable to Cautioneo's Garantie Locataire for both individual tenants and landlords across France.
- Unkle: French digital tenant guarantee provider offering similar subscription-based rental guarantee and GLI products, competing head-to-head with Cautioneo in France.
- Visale (Action Logement): Government-backed, free tenant certificate (caution) issued by Action Logement and widely accepted by French landlords—the primary alternative to Cautioneo for non-standard tenants.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks4 records
Key highlights6 records
Customer concentration
cautioneo social profiles
Digital presencecautioneo compliance and trust
Trust signalCompliance3 records
cautioneo financial estimates
Financial estimateRevenue estimate
Valuation estimate
cautioneo leadership team
Management profileNumber of profiles
Profiles4 records
cautioneo funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
cautioneo 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 cautioneo
What does cautioneo do?
Cautioneo acts as a moral guarantor between tenants and property owners in the French rental market, providing a tenant guarantee (Garantie Locataire) that certifies tenant dossiers and substitutes for a personal guarantor, and an unpaid-rent insurance product (Assurance Loyers Impayés / GLI) that indemnifies landlords against tenant defaults and property deterioration. The platform combines AI-driven document verification across 198 control points with backing from Sada Assurances to deliver institutional-grade rental risk protection.
Is cautioneo a public or private company?
cautioneo is a private company. It is classified as corporate owned and is currently operating.
When was cautioneo founded?
cautioneo was founded in 2018. It employs 11 to 50 people.
Where is cautioneo based?
cautioneo is headquartered in Lille, France, in the Europe region.
How does cautioneo make money?
Three revenue lines are on record. Tenant Guarantee (Garantie Locataire) is the primary driver. The others are rent Guarantee Insurance (Assurance Loyers Impayés) and express Analysis Service.
Who are cautioneo's main competitors?
Emerging players on record are Luko and Smartloc. Selectra is listed as an others. Broad incumbents are Allianz France and MAIF. Direct peers are Garantme, Unkle and Visale (Action Logement).
Does cautioneo have an API?
No public API is recorded for cautioneo.
What industry is cautioneo in?
cautioneo's product category is Rental Guarantee Insurance. Its primary akta.pro industry code is FSAEADAI, Surety & Bond Brokerage. Its NAICS code is 524 and its SIC code is 6351.