Altaprofits
- Company typePrivate
- Founded1999
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Altaprofits does
Altaprofits SAS is a Paris-based online wealth management broker and financial investment advisor founded in 1999, operating as a wholly owned subsidiary of Generali France (which is itself part of the Italian Generali Group). The company is registered as an insurance broker (COA) and financial investment advisor (CIF) under ORIAS 11 063 754, supervised by the ACPR and the AMF via CNCEF Patrimoine. From a single headquarters at 35 rue de Rome in Paris's 8th arrondissement, it distributes a curated catalogue of life insurance, capitalization contracts, retirement savings plans (PER), SCPI real-estate investments, FCPI/FIP/GFI tax-optimization funds, private equity, and structured products, sourced through distribution agreements with Generali Vie, Generali Luxembourg, Suravenir, SwissLife, and Allianz, and supported by asset-management partners including Lazard Frères Gestion, Carmignac, Generali Wealth Solutions, and Pictet Asset Management.
The platform exposes roughly 800 investment supports and operates two management modes: self-directed "gestion libre" and delegated "gestion pilotée" managed via partner asset managers. Underlying technology is a web-based customer account management and contract-subscription platform with no mobile app, no public API, and no disclosed proprietary AI tooling. Distribution combines a self-serve digital channel with human advisory by phone and in-person appointments at the Paris office, supported by content marketing (educational guides, white papers on assurance vie, PER, and SCPI), email/newsletter, social media, and a referral program.
The business model is a retrocession-based brokerage: revenue is generated from commissions retrocessed by insurance companies and asset managers on client contracts, supplemented by welcome bonuses funded through insurer partnerships (up to €1,000 on insurance products and up to €500 on PER). The customer base is exclusively individual French retail investors, with minimum initial investments ranging from €100 (entry-level Suravenir products) to €10,000 (Altaprofits Vie). Aggregate assets under management across all client contracts stand at €3 billion, and the company reports over 100 industry awards across its 26-year operating history.
Altaprofits firmographics
Firmographics- Name
- Altaprofits
- Legal name
- Altaprofits
- Website
- https://altaprofits.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Altaprofits industry classification
Industry- Product category
- Online Wealth Management and Brokerage
- NAICS
- Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Investment Advice (6282)
- akta.pro primary industry
- Independent Broker-Dealers (Retail Network) (FSAAAAAC)
- akta.pro secondary industries
- Embedded Insurance Distribution & Premium Financing (FSAGALAF), Investor Education, Research & Portfolio Analytics Services (Retail) (FSAAAAAO)
Keywords
Where Altaprofits is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Altaprofits business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Commission from insurers and asset managers: Altaprofits receives commissions from insurance companies (Generali Vie, Suravenir, SwissLife) and asset management companies (Lazard Frères Gestion, Carmignac, Generali Wealth Solutions, Pictet Asset Management) that are retrocessions based on management fees charged on client contracts.
- Welcome bonuses and promotional offers: The company distributes promotional bonuses (up to €1,000 for insurance products, €500 for retirement plans) to new clients as acquisition incentives, funded through partnerships with insurers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Insurance and savings products with varying minimum investments |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Altaprofits product offering
Product offeringCore offering
Altaprofits is an online wealth management broker that distributes savings and investment products to individual French investors. The platform offers life insurance contracts, retirement savings plans (PER), capitalization contracts, SCPI real estate investments, private equity, and tax optimization funds (FCPI/FIP/GFI) underwritten by partner insurers such as Generali Vie, Suravenir, SwissLife, and Generali Luxembourg, supported by nearly 800 investment supports. Customers can subscribe online directly or consult financial advisors by phone and in person.
Product overview
Altaprofits is an online wealth management and savings platform offering a comprehensive portfolio of financial products across multiple categories: life insurance (Assurance vie) with 4 contract options (Altaprofits Vie, Digital Vie Prime, Titres@Vie, Generali Espace Lux Vie France), pension savings plans (PER) with 2 options (e-PER Generali, Titres@PER), capitalization contracts (Altaprofits Capitalisation, Digital Capi Prime, Titres@Capi), real estate investment via SCPI selection, tax optimization products (FCPI/FIP/GFI), and private equity. The platform provides nearly 800 investment supports and offers two investment management approaches: self-directed (Gestion libre) and managed (Gestion pilotée). Altaprofits acts as an intermediary between clients and insurance companies (Generali, Suravenir, SwissLife) rather than offering its own proprietary products.
Differentiator
Problem solved
Functional benefit
Brands
- Altaprofits Vie: Life insurance contract underwritten by Generali Vie, offering a selection of investment supports including euro-denominated funds and unit-linked products.
- Digital Vie Prime
- Titres@Vie
- Generali Espace Lux Vie France
- e-PER Generali
- Titres@PER
- Altaprofits Capitalisation
- Digital Capi Prime
- Titres@Capi
Products and services
- Altaprofits Vie Life insurance contract assured by Generali Vie offering a selection of euro funds and unit-linked supports for individual French investors, with a minimum €10,000 initial investment and up to €1,000 welcome bonus for new subscribers.
- Digital Vie Prime Fully online life insurance contract assured by Suravenir positioned as an accessible entry-level product, accessible from €100 with welcome bonuses up to €1,000.
- Titres@Vie Life insurance contract underwritten by SwissLife designed for investing in individual securities (Titres Vifs) directly, allowing investors to build a custom equity portfolio within the wrapper.
- Generali Espace Lux Vie France Luxembourg-domiciled life insurance product underwritten by Generali Luxembourg, enabling geographic diversification of assets for French resident clients.
- e-PER Generali Pension savings plan (Plan Épargne Retraite) underwritten by Generali Retraite offering retirement-focused savings with tax advantages, welcome bonuses up to €500, and potential net returns on euro funds.
- Titres@PER Pension savings plan underwritten by SwissLife Assurance Retraite enabling investment in equities (Titres Vifs) for retirement planning.
- Altaprofits Capitalisation Capitalisation contract underwritten by Generali Vie offering the same fund selection as Altaprofits Vie with low fees and euro fund boost opportunities, similar to life insurance but without death benefit.
- Digital Capi Prime Fully digital capitalisation contract underwritten by Suravenir accessible from €100, with welcome bonuses up to €1,000.
- Titres@Capi
Quantifiable outcome
- 3 billion euros in assets under management
- +2 more outcomes
Companies that use Altaprofits
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles1 record
Altaprofits technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Altaprofits partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- Generali ViecorePrimary insurance partner providing life insurance (assurance vie) products through the Altaprofits Vie contract and capitalisation contracts. Generali Vie is part of the Generali Group, one of the largest global insurance companies.
- Generali LuxembourgcoreLuxembourg-based insurance partner offering cross-border wealth management solutions through the Generali Espace Lux Vie France product, allowing geographic diversification of client portfolios.
- SuravenircoreInsurance partner providing 100% online insurance products including Digital Vie Prime (life insurance) and Digital Capi Prime (capitalisation) with competitive pricing and no physical branch presence.
- SwissLifecorePartner providing Titres@Vie (life insurance), Titres@Capi (capitalisation), and Titres@PER (retirement savings) products, with a long-standing partnership exceeding a decade in guided management services.
- AllianzminorListed as an insurance partner in the non-exhaustive list of insurers working with Altaprofits.
- Lazard Frères GestioncoreAsset management company providing guided management (gestion pilotée) advice for multiple Altaprofits contracts including Digital Vie, Digital Capi, Titres@Vie, and Titres@Capi products. Partnership has produced consistent investment performances for over a decade.
- Generali Wealth Solutions (GWS)coreGenerali Group's asset management subsidiary providing innovative guided management solutions for life insurance products, offering risk management-oriented investment approaches.
- CarmignacminorRecognized asset management company included among the more than 10 management houses available to Altaprofits clients for investment selection.
- Pictet Asset ManagementcoreAsset management company providing thematic guided management services (gestion pilotée thématique) for Altaprofits contracts, with strong performance track record in thematic investments aligned with human and planet-conscious investing.
- Isatis CapitalminorListed as a financial investment partner/supplier for CIF (conseiller en investissements financiers) activities.
- Vatel CapitalminorListed as a financial investment partner/supplier for CIF activities.
- AlpheysminorListed as a partner for investment solutions distribution.
- LIBERTY MUTUAL INSURANCE EUROPE SEminorInsurance provider from whom Altaprofits holds professional liability insurance (RCP) policy number AB54QT covering its brokerage activities.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Altaprofits competitors and assessment
Company assessmentEmerging players
- Yomoni: French robo-advisor offering life insurance, PER, and managed investment portfolios to retail French savers. Comparable product set (assurance vie, PER, gestion pilotée) and target customer, but differentiated by pure robo-advice model rather than multi-product broker offering.
- Nalo: French robo-advisor providing personalized life insurance and investment solutions with goal-based planning. Comparable in serving French individual savers with managed portfolios and life insurance wrappers, though with a more focused, automated offering.
- Mon Petit Placement: French online wealth platform offering life insurance, PER, and managed investment solutions to retail savers with low entry minimums. Comparable as a French digital wealth platform serving individual investors with both self-directed and managed options.
Direct peers
- Boursorama Banque: French online bank and broker (Société Générale subsidiary) offering life insurance, PER, securities trading, and savings products to retail French customers. Comparable distribution model and product breadth, with similar target customer base of digital-first French individual investors.
- Linxo: French personal finance aggregation and wealth platform serving individual savers with multi-bank account aggregation and savings product distribution. Closely comparable to Altaprofits as a French digital intermediary between retail customers and financial product providers, with overlapping distribution of savings and insurance products.
- Meilleurtaux: French comparison and intermediation platform for insurance, savings, credit, and banking products. Comparable as a French digital intermediary that distributes insurance and savings products from multiple providers to retail customers.
- Fortuneo Banque: French online brokerage and banking subsidiary of Crédit Mutuel Arkéa offering life insurance, brokerage, and savings products to retail investors. Comparable as a France-based digital broker distributing life insurance and investment products with a self-service model.
Broad incumbents
- Harvest: French fintech providing wealth management software, advisory tools, and asset management solutions to financial advisors. Comparable in the broader French wealth tech ecosystem, particularly relevant given Altaprofits' CIF activity and reliance on advisor-facing tools.
- Primonial: Major French wealth management group offering life insurance, PER, SCPI, private equity, and asset management to retail and professional clients. Comparable product breadth in French savings and wealth, but as a larger incumbent with broader distribution including advisor networks.
Regional players
- Linxa: French online life insurance and capitalization broker offering multi-carrier contracts to French individual savers. Highly comparable in business model (online broker distributing products from multiple insurers, including Generali and other partners) and target customer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Altaprofits social profiles
Digital presenceAltaprofits compliance and trust
Trust signalCompliance5 records
Altaprofits financial estimates
Financial estimateRevenue estimate
Valuation estimate
Altaprofits leadership team
Management profileNumber of profiles
Profiles4 records
Altaprofits funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Altaprofits 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 Altaprofits
What does Altaprofits do?
Altaprofits is an online wealth management broker that distributes savings and investment products to individual French investors. The platform offers life insurance contracts, retirement savings plans (PER), capitalization contracts, SCPI real estate investments, private equity, and tax optimization funds (FCPI/FIP/GFI) underwritten by partner insurers such as Generali Vie, Suravenir, SwissLife, and Generali Luxembourg, supported by nearly 800 investment supports. Customers can subscribe online directly or consult financial advisors by phone and in person.
Is Altaprofits a public or private company?
Altaprofits is a private company. It is classified as corporate owned and is currently operating.
When was Altaprofits founded?
Altaprofits was founded in 1999. It employs 11 to 50 people.
Where is Altaprofits based?
Altaprofits is headquartered in Paris, France, in the Europe region.
How does Altaprofits make money?
Two revenue lines are on record. Commission from insurers and asset managers are the primary driver. The others are welcome bonuses and promotional offers.
Who are Altaprofits's main competitors?
Emerging players on record are Yomoni, Nalo and Mon Petit Placement. Direct peers are Boursorama Banque, Linxo, Meilleurtaux and Fortuneo Banque. Broad incumbents are Harvest and Primonial. Linxa is listed as a regional player.
Does Altaprofits have an API?
No public API is recorded for Altaprofits.
What industry is Altaprofits in?
Altaprofits's product category is Online Wealth Management and Brokerage. Its primary akta.pro industry code is FSAAAAAC, Independent Broker-Dealers (Retail Network), with a secondary code of FSAGALAF, Embedded Insurance Distribution & Premium Financing. Its NAICS code is 523940 and its SIC code is 6411.