Equance
Equance Groupe is a French-regulated private wealth management advisory group founded in 2005, serving French expatriates and non-residents across 40+ countries through 35 independent consultant-advisors, 8 French offices, and €1.1 billion in assets under management.
- Company typePrivate
- Founded2005
- HeadquartersMontpellier, France
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Equance does
Equance Groupe is a French-regulated international private wealth management advisory group founded in 2005 and headquartered in Montpellier, France. The group specializes in cross-border wealth advisory for French expatriates and non-residents, delivering its 'Approche Globale du Patrimoine' (Global Wealth Approach) methodology that integrates financial advisory, asset management, tax optimization, real estate investment, retirement planning, and insurance brokerage. Services are delivered through a network of approximately 35 independent consultant-advisors (mandataires) physically located across 47 international implantation points in 40+ countries, supplemented by 8 French domestic offices.
The group's product portfolio spans core advisory mandates (Bilan Patrimonial, Conseils en Investissements, Optimisation Fiscale, Planification Retraite, Santé Expat), specialized real estate services (Immobilier d'Investissement, Financement Immobilier, La Transaq transaction service), and structured onboarding processes (Document d'Entrée en Relation, Lettre de Mission). Technology infrastructure consists of a secure digital client portal (secure.equance.com) and consultant workflow tools, layered on a multi-partner open-architecture platform for financial product distribution.
Equance operates under four distinct French regulatory regimes (CIF, COA, COBSP, IMMO) with ORIAS registration, enabling it to distribute insurance, banking, and real estate products alongside investment advisory. Revenue is generated through advisory and consulting fees, retrocessions on life insurance and fund products, insurance brokerage commissions, and real estate transaction fees, with bespoke quote-based pricing disclosed in engagement letters. The group is controlled by founders (Olivier Grenon-Andrieu as President-Founder, Didier Bujon as General Director) with Calcium Capital holding a minority stake acquired in May 2022 to support growth initiatives, and operates through three core subsidiaries: Equance Gestion Privée Internationale, SEGEFI (acquired October 2022), and Arthus Conseil (acquired September 2023).
Equance firmographics
Firmographics- Name
- Equance
- Legal name
- EQUANCE
- Website
- https://equance.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Equance Groupe is a French-regulated private wealth management advisory group founded in 2005, serving French expatriates and non-residents across 40+ countries through 35 independent consultant-advisors, 8 French offices, and €1.1 billion in assets under management.
- Ownership category
- akta.pro rank
Equance industry classification
Industry- Product category
- Private Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Agencies, Brokerages, and Other Insurance Related Activities (5242), Trusts, Estates, and Agency Accounts (52592)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Broker-Dealer Affiliated Wealth Advisory (FSAEABAB)
- akta.pro secondary industries
- Private Banking Cross-Border & International Wealth Services (FSABADAL), Estate & Probate Administration Services (FSAEAKAD), Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC), International/Expatriate Individual Health Insurance (FSAIAEAH)
Keywords
Where Equance is headquartered
LocationHeadquarters
- HQ city
- Montpellier
- HQ country
- France
- HQ region
- Europe
Offices40 records
Markets served
Equance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Advisory and Consulting Fees: Fees for comprehensive wealth assessments, patrimonial studies, and ongoing advisory mandates, typically defined in engagement letters with transparent fee structures
- Financial Product Distribution Commissions: Retrocessions from insurance companies on life insurance, savings contracts, and capitalisation products; commissions from fund providers (FCP, structured products, private equity)
- Insurance Brokerage Commissions: Commissions negotiated with insurance companies for health, property, and casualty insurance products placed for expatriate clients
- Real Estate Transaction Fees: Fees for real estate investment advisory, property search mandates, and transaction facilitation for residential and commercial properties in France
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Bespoke advisory mandate with transparent fee disclosure |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Equance product offering
Product offeringCore offering
Equance provides private wealth management advisory services to French expatriates and non-residents, covering comprehensive heritage assessments, investment advisory, international tax optimization, retirement planning, real estate investment and financing, and insurance brokerage. Services are delivered through a network of 35+ consultant-advisors (themselves French expatriates) located in 47 international points plus 8 French offices, supported by regulated activities (CIF, COA, COBSP, IMMO).
Product overview
Equance is a wealth management advisory group founded in 2005, organized as a platform of complementary subsidiaries and services. The core brand EQUANCE Gestion Privée Internationale serves French expatriates internationally, while subsidiaries SEGEFI focuses on the French domestic market and Arthus Conseil extends coverage in France. The service portfolio centers on the 'Approche Globale du Patrimoine' (Global Heritage Approach) methodology, comprising core advisory services (Bilan Patrimonial, Conseils en Investissements, Optimisation Fiscale, Planification Retraite, Santé Expat), specialized real estate services (Immobilier d'Investissement, Financement Immobilier, La Transaq), and client onboarding processes (Document d'Entrée en Relation, Lettre de Mission). All services are delivered through a network of consultants worldwide, supported by regulated activities including CIF, COA, COBSP, and IMMO certifications.
Differentiator
Problem solved
Functional benefit
Products and services
- Bilan Patrimonial (Heritage Assessment)
Quantifiable outcome
- Over €1.1 billion in assets under management across 4,275+ clients
Companies that use Equance
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
Equance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Equance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- SEGEFI (Société Européenne de Gestion Financière)coreAcquired by Equance Gestion Privée Internationale in October 2022; provides financial management services for the French domestic market segment, extending Equance's reach within France.
- Arthus ConseilcoreAcquired by Equance in September 2023; boutique wealth advisory firm covering the Burgundy region of France (Beaune, Dijon offices), strengthening Equance's French domestic presence.
- Banking PartnersminorPartner banks willing to lend to French non-residents, studied under multiple criteria including family situation, asset base, and professional status. Banks require collateral in the form of insurance contracts or securities accounts.
- Insurance CompaniesminorLife insurance, health, and property insurers whose products are placed through Equance's brokerage arm; includes Luxembourg-domiciled life insurance providers for non-resident clients seeking capital protection.
- NotariesminorCollaboration with notaries for family law matters including marriage contracts, adoptions, estate settlements, donations, and real estate transaction documentation.
- Tax Lawyers and AttorneysminorPartnership with fiscal attorneys to provide proactive legal and tax optimization and security for transactions of individuals and businesses.
- Accounting Firms (Experts-Comptables)minorCollaboration with accounting professionals for bookkeeping, social and tax advisory, and compliance obligations of business clients.
- Oxygen-RPminorPress relations agency representing Equance to media, with correspondents based in Toulouse and Lyon covering French and expatriate markets.
Scale indicators6 records
Recent moves8 records
Expansion highlights5 records
Equance competitors and assessment
Company assessmentDirect peers
- Cyrus Conseil: Cyrus Conseil is a French independent wealth management and family office advisory firm serving HNW entrepreneurs, executives, and families. Directly comparable to Equance's patrimonial advisory methodology and HNW/HNWI segment focus, with overlapping services in tax optimization, succession, and investment advisory.
- UFF (Union Financière de France): UFF is one of France's largest dedicated wealth management advisory networks, serving mass-affluent and HNW French clients through a CGP-style model. Highly comparable to Equance's core private wealth advisory offering, though UFF's footprint is primarily domestic whereas Equance's is expat-focused.
- Montpensier Conseil: Montpensier Conseil is an independent French wealth management advisor serving private clients and business owners, offering patrimoine engineering, financial investments, and real estate advisory. Comparable in service scope and CGP positioning to Equance's SEGEFI and Arthus Conseil subsidiaries.
Broad incumbents
- Lombard Odier: Lombard Odier is a Swiss private bank with strong cross-border wealth management expertise, particularly serving European HNW families and entrepreneurs. Comparable to Equance in cross-border wealth structuring and family office-style services, but operating at significantly larger AUM scale with global footprint.
- Société Générale Private Banking: Société Générale Private Banking is a major European private bank with deep French HNW franchise and international coverage. Directly competes for Equance's target client (wealthy French expatriates) but as part of a universal bank with broader product offerings and balance-sheet lending capabilities.
- BNP Paribas Wealth Management: BNP Paribas Wealth Management is a top-tier European private bank serving HNW and UHNW clients globally, including a significant international French client franchise. Compares to Equance on cross-border wealth advisory but at vastly greater scale and as part of a universal bank offering rather than a specialist expat boutique.
- Indosuez Wealth Management: Indosuez Wealth Management is the Crédit Agricole group's private banking arm serving HNW clients across Europe, Middle East, Asia, and the Americas. Comparable to Equance on cross-border wealth advisory for international French clients, but as a much larger diversified private bank with broader product shelf.
- Pictet Group: Pictet is a Swiss private banking and asset management group with a strong European HNW franchise. Comparable on cross-border wealth advisory and investment management for internationally mobile French clients, but at a much larger institutional scale with broader asset management capabilities.
Regional players
- Primonial (now LFAM): Primonial (now part of LFAM / La Française Asset Management) is a major French wealth management platform with strong CGP distribution and a significant HNW clientele. Comparable in French-domestic wealth advisory scale and product shelf, though with less dedicated expatriate specialization than Equance.
Emerging players
- BDO France Private Clients: BDO France's private client practice offers wealth advisory, tax, and succession services to HNW French families and entrepreneurs. Comparable to Equance on integrated tax-and-wealth advisory for HNW individuals, though smaller in dedicated expat specialization.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Equance social profiles
Digital presenceEquance compliance and trust
Trust signalCompliance6 records
Equance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Equance leadership team
Management profileNumber of profiles
Profiles14 records
Equance subsidiaries and ownership
Company hierarchySubsidiaries3 records
Equance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Equance 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 Equance
What does Equance do?
Equance provides private wealth management advisory services to French expatriates and non-residents, covering comprehensive heritage assessments, investment advisory, international tax optimization, retirement planning, real estate investment and financing, and insurance brokerage. Services are delivered through a network of 35+ consultant-advisors (themselves French expatriates) located in 47 international points plus 8 French offices, supported by regulated activities (CIF, COA, COBSP, IMMO).
Is Equance a public or private company?
Equance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Equance founded?
Equance was founded in 2005. It employs 101 to 250 people.
Where is Equance based?
Equance is headquartered in Montpellier, France, in the Europe region.
How does Equance make money?
Four revenue lines are on record. Advisory and Consulting Fees are the primary driver. The others are financial Product Distribution Commissions, insurance Brokerage Commissions and real Estate Transaction Fees.
Who are Equance's main competitors?
Direct peers on record are Cyrus Conseil, UFF (Union Financière de France) and Montpensier Conseil. Broad incumbents are Lombard Odier, Société Générale Private Banking, BNP Paribas Wealth Management, Indosuez Wealth Management and Pictet Group. Primonial (now LFAM) is listed as a regional player. BDO France Private Clients is listed as an emerging player.
Does Equance have an API?
No public API is recorded for Equance.
What industry is Equance in?
Equance's product category is Private Wealth Management. Its primary akta.pro industry code is FSAEABAB, Broker-Dealer Affiliated Wealth Advisory, with a secondary code of FSABADAL, Private Banking Cross-Border & International Wealth Services. Its NAICS code is 523940 and its SIC code is 6282.