What Unofi does

Unofi (Union notariale financière) is a privately-held French financial services group headquartered in Paris, organized around a SAS Unofi holding company and four wholly-owned operating subsidiaries: Unofi-Assurances (life insurance and capitalisation products, regulated by ACPR since August 19, 1988), Unofi-Gestion d'Actifs (portfolio management company holding AMF approval GP-14000023), Unofi-Patrimoine (regional advisory network registered with ORIAS as insurance broker under number 07 001 835), and Unoparfi (financial participations), with Unofi-Gestion GIE providing shared services. The company distributes insurance, capitalisation, real estate (SCPI Notapierre), and mutual fund (FCP) products exclusively through the French notary network under a B2B2C model in which private wealth advisors work alongside notaries to deliver personalized patrimony solutions for private and professional clients.

The group's product portfolio spans approximately 30 financial instruments: multi-support life insurance contracts (Notavie, Notavie Premium, Unofi-Évolution), capitalisation contracts (Notacapi, Notacapi Premium, Notacapi Fidélité, Unofi-Multicapi, Unofi-Capital Plus, Unofi-Capital Fidélité), a real estate investment vehicle (SCPI Notapierre with nue-propriété variants of 5 and 10 year usufruit), and 15 mutual funds covering bond, equity, mixed, and convertible strategies. As of December 31, 2025, the group managed €11.176 billion in medium and long-term assets (encours), up 4.1% year-on-year, and recorded total collection of €566 million in 2025, an 8.1% increase versus 2024 (€523 million). The company employs 310 staff across regional directions (51%) and group functions (49%), with the regional network providing geographic coverage of the entire French territory. The 2024 cumulative operating result stood at €60 million (down 7.4% from €64 million in 2023) and net social result at €40 million (down 7% from €43 million), against consolidated equity of €611 million.

The business model is asset-gathering-driven: recurring management fees on the €11.176 billion AUM base, front-end and entry fees on €566 million in annual collection, and ongoing advisory engagement through regional wealth advisors. All distribution runs through the notary channel — there is no direct retail or digital onboarding — making the partnership with the French notariat both the primary go-to-market mechanism and the central strategic asset. There is no external investor, no listed equity, no funding rounds, and no M&A history beyond a 2022 custodial counterparty change (BP2S merger into BNP SA) affecting SCPI Notapierre operations.

Name

Unofi

Legal name

SAS UNOFI (Union notariale financière)

Website

https://unofi.fr

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Unofi is a French private financial services group that distributes life insurance, capitalisation, SCPI real estate, and mutual fund products exclusively through the French notary network for the patrimony needs of notary clients.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance and Capitalisation Products: Unofi-Assurances provides life insurance and capitalisation products (contrats d'assurance-vie and contrats de capitalisation). The company manages €11,176 million in medium and long-term solutions (encours) as of 2025. Collection in 2025 reached €478 million for insurance and capitalisation products.
2. Real Estate Investment (SCPI): The SCPI Notapierre is a real estate investment vehicle managed by Unofi-Gestion d'Actifs. Collection for SCPI was €64 million in 2025.
3. Financial Investment Funds (FCP): Unofi-Gestion d'Actifs manages a diversified range of mutual funds (fonds communs de placement - FCP) including bond funds, equity funds, and mixed funds. Direct collection for FCP was €24 million in 2025.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Unofi (Union notariale financière) is a French private financial services group that develops and distributes wealth management solutions exclusively through the French notary network. Its offering spans life insurance contracts (assurance-vie), capitalisation contracts, real estate investments via SCPI, and diversified mutual funds (FCP) covering bond, equity and mixed asset classes, supported by personalised patrimony advisory services delivered alongside notaries.

Product overview

Unofi (Union notariale financière) est un groupe français de gestion patrimoniale organisé autour d'une holding SAS Unofi et de quatre filiales opérationnelles. Son offre se compose de produits d'assurance-vie (Unofi-Évolution, Notavie, Notavie Premium), de capitalisation (Unofi-Multicapi, Notacapi, Notacapi Premium, Notacapi Fidélité, Unofi-Capital Plus, Unofi-Capital Fidélité), d'immobilier (SCPI Notapierre avec options en nue-propriété), et de 15 fonds communs de placement (FCP) couvrant les classes d'actifs obligataires, actions et mixtes. L'ensemble des produits est distribué exclusivement via le réseau de notaires de France, avec un accompagnement personnalisé par des conseillers patrimoniaux et chargés d'études patrimoniales.

Differentiator

Problem solved

Functional benefit

Brands

• Notavie: Individual multi-support life insurance contract (closed to new subscriptions)
• Notavie Premium
• Unofi-Évolution
• Notacapi
• Notacapi Premium
• Notacapi Fidélité
• Unofi-Multicapi
• Unofi-Capital Plus
• Unofi-Capital Fidélité
• SCPI Notapierre
• Unofimmo
• Unofi-Rendement 2
• Unofi-Expansion
• Unofi-Oblig
• Unofi-Dette Émergente
• Unofi-Haut Rendement
• Unofi-France
• Unofi-Pacifique
• Finovaleur
• Unofi-Prudence
• Unofi-Progrès
• Unofi-Croissance
• Unofi-Allocation Monde
• Unofi-Convertibles
• Unofi-International
• Unofi-Tempo

Products and services

• Life Insurance Contracts (Assurance-vie) Multi-support life insurance contracts offering diversified investment options across euro-denominated and unit-linked supports, distributed through notaries to private individuals for savings and estate planning purposes.
• Capitalisation Contracts Capitalisation contracts providing diversification between euro and unit-linked supports, with single-premium and loyalty-tied variants, distributed through notaries for wealth structuring purposes.
• SCPI Notapierre A Société Civile de Placement Immobilier (SCPI) invested in professional real estate assets, offering notary clients indirect real estate exposure with options for temporary bare-ownership structures.
• Bond Mutual Funds (FCP Obligataires) Diversified bond mutual funds managed by Unofi-Gestion d'Actifs, covering general bond strategies, emerging market debt, and high-yield bonds, accessible to notary clients.
• Equity Mutual Funds (FCP Actions) Actively and discretionarily managed equity mutual funds providing exposure to French, Pacific regional, and growth-oriented equity markets for notary clients.
• Mixed Mutual Funds (FCP Mixtes) Mixed-asset mutual funds ranging from prudent capital preservation to growth-oriented global allocation strategies, including convertible bond and international mixed funds.
• Professional Wealth Advisory (Patrimoine Professionnel) Wealth advisory services for business owners covering company valuation, business succession and transfer planning, and sale transactions, delivered alongside notaries.

Quantifiable outcome

• Assets under management reached €11.176 billion in medium and long-term solutions as of December 31, 2025
• +2 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Primonial: Independent French wealth management group offering life insurance (Primonial SéréniPierre, etc.), SCPI real estate funds, and asset management solutions distributed through independent financial advisors. Directly comparable to Unofi on the multi-channel wealth stack, though distributed via IFA rather than notaries.
• SwissLife France: French life insurance and wealth management subsidiary of SwissLife Group, distributing life insurance, capitalization, and asset management solutions through a proprietary advisor network. Similar mid-sized specialist footprint in French HNW life insurance market.

Broad incumbents

• CNP Assurances: One of France's largest life insurance carriers (LBP-Partners group), with €300B+ in AUM and a broad multi-channel distribution model including banking partners, IFAs, and public-sector networks. Overlaps with Unofi on life insurance, capitalization, and pension savings products.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole group providing life insurance, capitalization, and unit-linked products distributed through the bank's regional Caisses régionales network. Comparable on product suite and ACPR-regulated insurance carrier status; broader geographic and channel footprint.
• AXA France: French arm of global insurer AXA offering life insurance, capitalization, and asset management products through tied agents and brokers. Comparable on regulatory carrier status and full product suite; substantially larger and more diversified than Unofi.
• BNP Paribas Cardif: Insurance subsidiary of BNP Paribas designing life insurance, capitalization, and unit-linked products distributed primarily through BNP Paribas retail bank branches. Overlapping product architecture and ACPR/AMF-equivalent regulatory footprint; vastly larger AUM base.
• Generali France: French subsidiary of Generali Group offering life insurance (e.g., Himalia), capitalization, and asset management products via tied agents and brokers. Comparable on ACPR-regulated life insurance carrier model; broader multi-line presence (P&C, health).
• Natixis Wealth Management: Wealth and asset management arm of Natixis (BPCE group) providing life insurance wrappers (Predica-adjacent), private banking, and asset management solutions to HNW clients. Comparable on AMF-regulated asset management and insurance offerings; bank-affiliated distribution.

Emerging players

• Bricks.co: French digital wealth platform offering life insurance, SCPI real estate, and investment products directly to consumers online. Targets the same end-clients as Unofi but bypasses the notary intermediary; represents the structural competitive threat to traditional B2B2C wealth distribution.
• Ramify: Paris-based digital private wealth manager offering life insurance, PEA, and SCPIs to French HNW clients via a fully digital platform with subscription-based advice. Comparable product stack to Unofi (assurance-vie + SCPI + UC funds) but radically different distribution model that competes for the same end-client.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCSUKhnNHyM3e7ioq2JSVIaQ
• LinkedInlinkedin.com/company/unofi

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 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 Unofi