Valority
Valority is a family-owned French wealth management and real estate investment group founded in 1985, serving private individuals and business owners across France with integrated advisory, property management, mortgage brokerage, and a multi-brand ecosystem anchored by Les Belles Années student residences.
- Company typePrivate
- Founded1985
- HeadquartersLyon, France
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Valority does
Valority is a family-owned French wealth management and real estate investment group founded in 1985 and headquartered in Lyon. The company serves private individuals and business owners across France with an integrated offering that spans patrimonial advisory, real estate investment, financial product placement, rental property management, and mortgage and insurance brokerage. Core products include Gestion de patrimoine (wealth advisory covering assurance-vie, PER, SCPI, FIP/FCPI), Investissement immobilier (165 new-build and renovation programs under French fiscal regimes including LMNP, Pinel, Denormandie, Jeanbrun, LLI, Malraux, and Déficit Foncier), Gestion locative (rental management at 8.40% TTC of collected rents across 11,000+ classic residences), and a €450M financial assets-under-management book. The technology stack is not publicly disclosed; Valority is positioned as an advisory and management firm rather than a technology company, with digital touchpoints limited to the Simulateur Global, Espace Client portal, and content marketing properties.
The business model combines recurring property management fees, transaction commissions on real estate sales (sliding 4-10% scale), advisory fees on financial AUM, and brokerage commissions on €200M of annual mortgage credit facilitated through banking partners. Distribution is driven by a proprietary national network of wealth advisors (conseillers patrimoniaux) complemented by a professional partner portal, a banking partner network for credit brokerage, and a multi-brand ecosystem of twelve+ subsidiaries including Les Belles Années (62 student residences, 8,800+ units at 97.5% financial occupancy), Livimmo, Maslow, Novaffi, Promessens, MaxCover, COM & Company, and Française de Recouvrement. Customer trust is evidenced by 3,919 Trustpilot reviews at 4.1/5, and the company holds French regulatory licenses including Carte T (CPI 6901) for real estate transactions, IOBSP for mortgage brokerage, and ORIAS n°25006789 for insurance intermediation. Legal entity is VALORITY SAS, RCS Lyon 442 404 356, with €1,889,022.90 in share capital, privately held by the founding family.
Valority firmographics
Firmographics- Name
- Valority
- Legal name
- VALORITY SAS
- Website
- https://valority.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Valority is a family-owned French wealth management and real estate investment group founded in 1985, serving private individuals and business owners across France with integrated advisory, property management, mortgage brokerage, and a multi-brand ecosystem anchored by Les Belles Années student residences.
- Ownership category
- akta.pro rank
Where Valority is headquartered
LocationHeadquarters
- HQ city
- Lyon
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Valority business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Gestion locative (Property management fees): Ongoing management fees charged to property owners for managing their rental real estate. Fees are charged as a percentage of collected rents (8.40% TTC) plus additional fixed fees for lease drafting, inventory, and tenant placement.
- Transaction fees (real estate sales commissions): Fees charged when selling a property, calculated as a percentage of the sale price on a sliding scale from 10% (properties under €100k) down to 4% (properties €550k+), with a minimum of €2,500 TTC. These are one-time fees tied to specific transactions.
- Conseil en gestion de patrimoine (Wealth management advisory): Advisory services for financial investments including life insurance (assurance-vie), retirement savings plans (PER), SCPI, FIP/FCPI, and corporate treasury solutions. Revenue is generated through advisory fees and product distribution commissions from financial product providers.
- Courtage en crédit et assurance (Mortgage and insurance brokerage): Mortgage brokerage and insurance intermediary services facilitating €200 million of credit financed annually on average. Revenue is generated through commissions from banking partners and insurance providers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Gestion courante — 8.40% TTC of collected rents |
| Unit Pricing | Pay-as-you-go | Location fees — €8–12 TTC/m² of habitable surface |
| Subscription | Monthly | Assurance Garantie — 3.59% TAC of sums invoiced |
| Transaction based/ take rate | Pay-as-you-go | Transaction fees — 4%–10% TTC of sale price, sliding scale |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels9 records
Valority product offering
Product offeringCore offering
Valority is a French wealth management and real estate investment group that provides end-to-end advisory, financing, and property management services to individual investors and business owners. Its core offering combines patrimonial advisory (gestion de patrimoine), real estate investment programs under multiple fiscal regimes (LMNP, Pinel, Denormandie, Malraux, Jeanbrun, LLI, Déficit Foncier), financial product placement (assurance-vie, PER, SCPI, FIP/FCPI), rental and student residence management, and credit and insurance brokerage.
Product overview
Valority is a comprehensive wealth management and real estate investment group operating since 1985. The offering consists of a multi-brand platform combining core wealth management advisory services with integrated real estate investment products. The core products include: (1) Gestion de patrimoine for investment advisory, (2) Investissement immobilier offering programs under LMNP, Denormandie, LLI, Jeanbrun, Malraux, Déficit Foncier fiscal regimes, (3) Placements financiers covering life insurance, PER, SCPI, FIP/FCPI, and (4) Gestion locative including Les Belles Années student residence management brand. Supporting services include property management, credit and insurance brokerage, and a digital platform with simulateur tools and client portal. The ecosystem spans multiple sub-brands including Livimmo, Maslow, Novaffi, Promessens, MaxCover, and Partners for various specialized services.
Differentiator
Problem solved
Functional benefit
Brands
- Livimmo: Real estate platform
- Place To Learn
- Maslow
- Les Belles Années
- Partners
- COM & Company
- Cinq sur Cinq
- Promessens
- Novaffi
- Max Cover
- Française de Recouvrement
Products and services
- Gestion de patrimoine (Wealth Management Advisory)
- Investissement immobilier (Real Estate Investment Programs)
- Placements financiers (Financial Investments)
- Gestion locative (Rental Property Management)
- Property Management (Immeuble & Copropriété)
- Les Belles Années (Student Residence Investment)
- Courtage en crédit (Mortgage Brokerage)
- Courtage en assurance (Insurance Brokerage)
- Administration de biens (ADB)
- Achat en bloc (Bulk Purchase)
- Plateforme immobilière (Real Estate Program Platform)
- Simulateur Global (Investment Simulator)
- Espace Client (Client Portal) Online self-serve client portal for existing clients to track investments, access project documents, communicate with advisors, and monitor the progress of their real estate and financial placements.
- Partners (Espace PRO)
Quantifiable outcome
- 5 billion euros of real estate invested since 1985
- +6 more outcomes
Companies that use Valority
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles5 records
Valority technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Valority partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Les Belles AnnéescoreLes Belles Années is Valority's wholly-owned subsidiary specializing in student residence investment management. It manages 62 residences and 8,800+ units across France, offering investors commercial leases (bail commercial) with guaranteed rents. The subsidiary is a core component of Valority's product offering, representing a key differentiator in the student housing segment.
- NovaffiminorNovaffi (novaffi.fr) is one of Valority's subsidiary brands operating under the Valority ecosystem. Its specific focus and offerings are not detailed in the available sources.
- PromessensminorPromessens (promessens.fr) is a subsidiary brand within the Valority ecosystem, appearing under the company's insurance and protection services (Autres activités).
- MaslowminorMaslow (maslow.immo) is a subsidiary brand within the Valority ecosystem, focused on property-related services.
- LBADB GestionminorLBADB Gestion (SAS, capital €10,000, RCS Lyon 929 492 262) is a subsidiary entity registered as an insurance intermediary (MIA, ORIAS n°25006789), providing property management services under the Valority umbrella.
- Française de RecouvrementminorFrançaise de Recouvrement (francaise-de-recouvrement.fr) is a subsidiary brand under the Valority ecosystem, offering debt collection services.
- Cinq sur CinqminorCinq sur Cinq (cinq-sur-cinq.fr) is a brand within the Valority ecosystem, with its specific service focus not detailed in the available sources.
- LivimmominorLivimmo (livimmo.app) is a digital brand under the Valority ecosystem, providing an online platform related to property services.
- Place to LearnminorPlace to Learn (placetolearn.fr) is an educational brand within the Valority ecosystem, focused on learning and development services.
- COM & CompanyminorCOM & Company (com-company.fr) is a communications and marketing brand operating within the Valority ecosystem.
- Banking partners (courtiers en crédit)coreValority acts as a mortgage broker (IOBSP status) working with multiple bank partners to facilitate financing for real estate investments. The company facilitates €200 million of credit financing annually on average through these banking partnerships. These partners provide the underlying mortgage products that Valority's advisors arrange for clients.
- MaxCoverminorMaxCover (maxcover.fr) is a brand within the Valority ecosystem providing insurance and coverage products.
Scale indicators9 records
Recent moves5 records
Expansion highlights6 records
Valority competitors and assessment
Company assessmentDirect peers
- La Française Group: French asset management and wealth management firm offering investment solutions across real estate (SCPI, OPCI), equities, fixed income, and retirement products. Competes directly with Valority in providing multi-asset wealth advisory to French private clients.
- Meilleurtaux: Leading French mortgage and insurance brokerage distributing real estate financing through bank partnerships. Highly comparable to Valority's Courtage en crédit activity which facilitates €200M of credit annually.
- Perial: French real estate asset manager offering SCPI, OPPCI, and club-deal real estate investments to private investors. Overlaps with Valority's real estate investment and SCPI distribution business for individual wealth clients.
- Primonial: French wealth management group specializing in real estate investment solutions (SCPI, OPCI), life insurance, and patrimonial advisory for individual investors. Direct competitor to Valority in the French HNW wealth advisory space with overlapping product offerings across real estate and financial products.
- UFF (Union Financière de France): French wealth management advisor (a former employer of Valority's head of business-owner pole) offering patrimonial advisory, retirement planning, and real estate investment solutions. Highly comparable business model and target market to Valority's Gestion Privée.
- Patrimonia Gestion (Fiducial Patrimoine subsidiary): French patrimonial advisory and wealth management firm targeting individual investors with real estate and financial product offerings. Directly comparable business model to Valority's Gestion de Patrimoine pole.
Broad incumbents
- Nexity: Major French real estate developer and integrated property services provider with property management, residential development, and client services. Comparable to Valority's new-build program distribution (165 programs) and broader real estate service offering.
- Foncia: France's largest residential property manager and real estate services firm, offering rental management, syndic, and transaction services. Directly comparable to Valority's Gestion Locative and Administration de Biens activities but at significantly greater scale.
- BNP Paribas Wealth Management: Large French universal bank's private wealth division offering comprehensive patrimonial advisory, real estate financing, and investment products to HNW clients. Sets the competitive ceiling on scale for mid-market players like Valority.
Emerging players
- Studeffi / Studélites (student residence operators): French student residence operator similar in scope to Les Belles Années, offering managed student housing investments with commercial leases. Direct comparison to Valority's 62-residence, 8,800+ unit student housing subsidiary.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights7 records
Customer concentration
Valority social profiles
Digital presenceValority financial estimates
Financial estimateRevenue estimate
Valuation estimate
Valority leadership team
Management profileNumber of profiles
Profiles3 records
Valority subsidiaries and ownership
Company hierarchySubsidiaries2 records
Valority funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Valority 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 Valority
What does Valority do?
Valority is a French wealth management and real estate investment group that provides end-to-end advisory, financing, and property management services to individual investors and business owners. Its core offering combines patrimonial advisory (gestion de patrimoine), real estate investment programs under multiple fiscal regimes (LMNP, Pinel, Denormandie, Malraux, Jeanbrun, LLI, Déficit Foncier), financial product placement (assurance-vie, PER, SCPI, FIP/FCPI), rental and student residence management, and credit and insurance brokerage.
Is Valority a public or private company?
Valority is a private company. It is classified as family owned and is currently operating.
When was Valority founded?
Valority was founded in 1985. It employs 251 to 500 people.
Where is Valority based?
Valority is headquartered in Lyon, France, in the Europe region.
How does Valority make money?
Four revenue lines are on record. Gestion locative (Property management fees) is the primary driver. The others are transaction fees (real estate sales commissions), conseil en gestion de patrimoine (Wealth management advisory) and courtage en crédit et assurance (Mortgage and insurance brokerage).
Who are Valority's main competitors?
Direct peers on record are La Française Group, Meilleurtaux, Perial, Primonial, UFF (Union Financière de France) and Patrimonia Gestion (Fiducial Patrimoine subsidiary). Broad incumbents are Nexity, Foncia and BNP Paribas Wealth Management. Studeffi / Studélites (student residence operators) is listed as an emerging player.
Does Valority have an API?
No public API is recorded for Valority.