Inovéa

What Inovéa does

Inovéa is an independent French wealth management network founded in 2017 and headquartered in Mauguio (Montpellier). It operates through five wholly-owned subsidiaries — Inovéa SAS (holding), Inovéa Finance SAS (financial investment advisory), Inovéa Crédit SAS (banking and credit brokerage), Inovéa Épargne SAS (insurance intermediation), and Inovéa Immobilier SAS (real estate brokerage) — each holding the relevant ORIAS registrations and CNCEF memberships required by French regulators (AMF, ACPR). The group distributes a multi-product wealth management offering (assurance vie, PER, capitalisation, prévoyance, SCPI, new and existing real estate, private equity, responsible finance) through a nationwide network of independent financial advisors present in 13 geographic zones, including metropolitan France and DROM-COM territories (La Réunion, Martinique, Guadeloupe), supported by the proprietary Filianse digital application for ongoing client accompaniment.

The go-to-market is sales-led and intermediated: there is no direct-to-consumer product channel. Clients schedule advisor appointments, undergo a bilan patrimonial, and are routed into tax-advantaged wrappers and investment products from a curated partner ecosystem that includes SwissLife, Corum, Sofidy, GreenCity Immobilier, and others. Revenue is generated through commissions on insurance, financial, real estate, and credit product placements, with advisory fees layered on top. By the company's own metrics, the network serves more than 55,000 clients, has accumulated €1.3 billion in encours since inception, collected €875 million in 2025, and surpassed €900 million in AUM as of September 2024. Customer satisfaction is reported at 4.9/5, and the company has held Great Place to Work certification for two consecutive years, scoring 81% in 2025 (up 13 points year-on-year).

Strategically, Inovéa is in a scale-up phase: it has publicly targeted expansion to 10,000 advisors, held its 8th annual convention in September 2025 with nearly 1,400 participants, and has begun productizing newer real estate schemes such as Logement Locatif Intermédiaire (LLI) via its GreenCity Immobilier partnership. The core technology layer (Filianse + standard martech) is functional but unremarkable on an AI/ML dimension; the company's competitive position rests on regulated distribution scale, partner product breadth, and advisor-driven client relationships rather than on proprietary technology.

Name

Inovéa

Legal name

Inovéa SAS

Website

https://inovea-group.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

251–500 employees

Short description

Inovéa is an independent French wealth management network (founded 2017, HQ in Montpellier) that distributes assurance vie, PER, SCPI, real estate, credit, and private equity products through 13-zone advisor coverage of metropolitan France and DROM-COM territories, supported by its Filianse digital application and serving more than 55,000 clients with €1.3B in cumulative assets under management.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Broker-Dealer Affiliated Wealth Advisory (FSAEABAB), Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation) (BPAJANAA), ESG/Sustainable Investment Advisory (FSAEAAAJ)

Keywords

• Wealth management advisory
• Financial planning services
• Retirement savings products
• Investment advisory network
• Insurance intermediation services

Headquarters

HQ city

Montpellier

HQ country

France

HQ region

Europe

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Supply Chain

Revenue model

1. Insurance intermediation (INOVÉA Épargne): INOVÉA Épargne acts as an insurance intermediary registered with ORIAS (no. 17 005 591), distributing insurance products including life insurance (assurance vie), PER (pension savings plans), capitalization, and provident insurance. Revenue is generated through commissions on insurance products sold to clients.
2. Financial investment advisory (INOVÉA Finance): INOVÉA Finance acts as a financial investment advisor (Conseiller en investissements financiers) and mandate broker for banking operations and payment services, registered with ORIAS (no. 17 005 604). Revenue is generated through advisory fees and commissions on financial products.
3. Real estate advisory and brokerage (INOVÉA Immobilier): INOVÉA Immobilier provides real estate advisory and brokerage services for new and existing property, SCPI (real estate investment trusts), and the Logement Locatif Intermédiaire (LLI) scheme. Revenue is generated through transaction fees and brokerage commissions.
4. Banking and credit brokerage (INOVÉA Crédit): INOVÉA Crédit acts as a bank broker and mandated broker for banking operations and payment services, and mandated insurance broker, registered with ORIAS (no. 17 005 583). Revenue is generated through commissions on credit and banking products.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels10 records

Core offering

Inovéa operates an independent national network of wealth management advisors who deliver face-to-face advisory across France and DROM-COM territories, distributing savings, insurance, retirement, real estate, private equity, and ESG finance products from partner providers. Advisory delivery is augmented by the Filianse digital application, which supports objective setting, resource optimization, and portfolio tracking between advisor meetings. Revenue is generated through commissions on regulated insurance, credit, banking, and real estate transactions plus financial advisory fees.

Product overview

INOVÉA is a network of independent wealth management advisors (Conseils en Gestion de Patrimoine) offering a comprehensive suite of financial products and advisory services. The core offering centers on the INOVEA Program, a personalized wealth management accompaniment framework, supported by the Filianse digital application for interactive portfolio management. Product portfolio spans savings and investment vehicles including Assurance Vie, PER (retirement savings), Capitalisation, and Prévoyance insurance; real estate investments through Immobilier Neuf, Immobilier Ancien, and SCPI; alternative investments via Private Equity; and sustainable investing through Finance Responsable. The company operates across France including DROM-COM territories with physical advisor presence in major cities.

Differentiator

Problem solved

Functional benefit

Brands

• Filianse: Application d'accompagnement digital, interactif et personnalisé pour la gestion de patrimoine
• INOVÉA Foundation

Products and services

• INOVEA Program (Programme INOVEA) Flagship wealth management advisory program delivering personalized guidance through the network of independent advisors to support objectives covering retirement planning, tax optimization, family protection, savings organization, and responsible investing.
• Filianse Application Digital, interactive, and personalized wealth management application that lets clients establish financial objectives, optimize their resources, and benefit from tailored accompaniment between advisor meetings.
• Assurance Vie (Life Insurance) Life insurance investment product enabling clients to build savings and investment portfolios with various fund options including euro-denominated funds and unit-linked accounts, distributed through the independent advisor network.
• PER (Plan d'Épargne Retraite) Retirement savings plan offering tax advantages and flexibility in managing savings for retirement, with options for capital or annuity withdrawals, distributed through the advisor network.
• Capitalisation Capitalization product for building and growing investment capital over time within tax-efficient structures, distributed through the advisor network.
• Prévoyance (Provident Insurance) Provident insurance product providing protection for families against unforeseen events, including health coverage and death and incapacity benefit provisions.
• Immobilier Neuf (New Real Estate) Investment in new construction properties offering opportunities for capital appreciation and rental income, advised through Inovéa Immobilier SAS.
• Immobilier Ancien (Existing Real Estate) Investment in existing properties providing rental income opportunities and potential value appreciation, advised through the network.
• SCPI (Société Civile de Placement Immobilier) Real estate investment trust allowing investors to access collective real estate investments in commercial, office, and retail properties, distributed through the advisor network.
• Private Equity Capital investment in non-listed companies at various stages of development, offering potential for high returns through equity participation, distributed via the advisor network.
• Finance Responsable (Responsible Finance / ESG) Socially responsible investment solutions aligning financial performance with positive societal and environmental impact, distributed through the advisor network.
• Logement Locatif Intermédiaire (LLI) Intermediate rental housing investment scheme combined with accessible, profitable, and socially useful real estate opportunities, distributed through the INOVÉA advisor network in partnership with GreenCity Immobilier.

Quantifiable outcome

• Over 55,000 clients served through the INOVEA program
• +4 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eleven partnerships are on record, tiered core and minor.

• GreenCity ImmobiliercoreChannel Partner/ Reseller/ Distributor · 1 May 2025INOVEA partnered with GreenCity Immobilier, a pioneer in intermediate rental housing (Logement Locatif Intermédiaire - LLI), to offer this innovative real estate investment scheme to clients. INOVEA is among the first wealth management advisor networks to distribute LLI products. Two initial programs have been validated for commercialization in Île-de-France, combining accessible, profitable, and socially useful investment opportunities for clients.
• SwissLifecoreChannel Partner/ Reseller/ DistributorSwissLife is a major French insurance and wealth management company whose products are distributed through the INOVEA advisor network. Their logo appears prominently in the partners section of the INOVEA website, indicating a significant commercial distribution partnership.
• CorumcoreChannel Partner/ Reseller/ DistributorCorum (Corum L'Épargne) is a French real estate investment company specializing in SCPI (real estate investment trusts) and rental property investments. Their products are distributed through the INOVEA network, as evidenced by their logo on the INOVEA partners page. Corum has renewed its trust in INOVEA as of December 2024.
• SofidycoreChannel Partner/ Reseller/ DistributorSofidy is a French asset management company specializing in SCPI and real estate investments. Their logo appears on the INOVEA partners page, indicating a product distribution partnership for real estate investment products.
• KyaneosminorChannel Partner/ Reseller/ DistributorKyaneos is a real estate investment management company whose logo appears on the INOVEA partners page, suggesting a product distribution relationship for specialized real estate investment solutions.
• AlloraminorChannel Partner/ Reseller/ DistributorAllora is a financial services partner whose logo appears on the INOVEA partners page, indicating a commercial product distribution relationship.
• SEIminorChannel Partner/ Reseller/ DistributorSEI is a partner whose logo appears on the INOVEA partners page, indicating a commercial relationship in the distribution of financial products or services.
• CreavyminorChannel Partner/ Reseller/ DistributorCreavy is a partner whose logo appears on the INOVEA partners page, indicating a commercial partnership related to product distribution.
• InterGestionminorChannel Partner/ Reseller/ DistributorInterGestion is a financial management partner whose logo appears on the INOVEA partners page, indicating a commercial product distribution relationship.
• Groupe CIRminorChannel Partner/ Reseller/ DistributorGroupe CIR is a financial services partner whose logo appears on the INOVEA partners page, indicating a commercial product distribution relationship.
• CNCEF (Chambre Nationale des Conseillers Experts Financiers)coreOthersINOVEA entities are members of CNCEF, the National Chamber of Financial Expert Advisors, which is an industry body accredited by regulatory authorities (AMF for investment advisory and ACPR for insurance/credit). INOVEA Épargne is a member of CNCEF Assurance, INOVEA Finance is a member of CNCEF Patrimoine and CNCEF Crédit, and INOVÉA Crédit is a member of CNCEF Crédit et Assurance. This membership provides regulatory standing and professional network access.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MeilleurPlacement.com: MeilleurPlacement is a French online wealth advisory platform distributing savings, life insurance, and investment products directly to retail clients. It shares Inovéa's product breadth (assurance vie, PER, SCPI, private equity) but competes via a digital-first model rather than an advisor network.
• BienPrévoir.fr: BienPrévoir is a French digital wealth advisory and intermediation firm distributing assurance vie, PER, and SCPI products. It is comparable to Inovéa in product mix and target client (French retail mass-affluent) but operates primarily online versus Inovéa's advisor-led hybrid distribution.
• Meilleurtaux: Meilleurtaux operates French intermediation platforms for credit, insurance, and savings products, including wealth advisory services. It is comparable to Inovéa as a multi-product intermediation network and shares the credit brokerage and insurance intermediation revenue streams via Inovéa Crédit and Inovéa Épargne.
• CAFPI: CAFPI is France's leading mortgage and credit broker network, distributing banking products through a nationwide advisor footprint. It is comparable to Inovéa Crédit specifically as a French intermediation broker network with a similar independent-advisor distribution model.
• Cyrus Conseil: Cyrus Conseil is one of France's largest independent wealth management advisor (CGP) networks, distributing insurance, investment, and real estate products through independent advisors. It is the closest direct competitor to Inovéa's intermediation model, competing for both advisors and end clients nationwide.
• Crystal Finance: Crystal Finance operates an independent wealth management and asset management platform serving French private clients, with comparable product breadth across assurance vie, PER, SCPI, and private equity. It competes head-to-head with Inovéa for CGP talent and high-net-worth client mandates.

Emerging players

• Nalo: Nalo is a French robo-advisor and wealth management fintech offering automated life-insurance-based portfolio management. It overlaps with Inovéa in the digital wealth management customer segment and Filianse-style portfolio tracking, representing the emerging digital-native competitive threat.

Others

• Harvest: Harvest is a French fintech providing software and digital tools to wealth management advisors (CGP), enabling patrimonial assessment and client follow-up. It is comparable to Inovéa as ecosystem infrastructure for French wealth advisory and competes for the same CGP productivity technology budget.

Broad incumbents

• Primonial: Primonial (now part of the BPCE/Caisse d'Epargne group) is a major French wealth management platform with in-house product manufacturing (SCPI, UCITS) and a large external CGP distribution network. It is comparable to Inovéa as a multi-product wealth platform but operates at materially larger scale with proprietary asset management capabilities.
• BNP Paribas Wealth Management: BNP Paribas Wealth Management is the largest private banking and wealth advisory franchise in France, offering assurance vie, PER, mandate management, and real estate products. It represents the bancassurer incumbent benchmark that Inovéa's independent network competes against for HNW and mass-affluent clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@inovea
• Facebookfacebook.com/p/Inov%C3%A9a-100094257276392
• LinkedInlinkedin.com/company/inovea-group
• Instagraminstagram.com/inoveagroup

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 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 Inovéa