What Epsilium does

Epsilium is a privately held French wealth-management consulting firm (cabinet de conseil en gestion de patrimoine) operating as a SAS with €200,000 in declared capital and registered in Paris under SIREN 840 934 806. The firm provides individual and SMB clients with advisory and execution services across five integrated practice areas: tax reduction (Pinel, Denormandie, Malraux, Monuments Historiques, Girardin Industriel, Déficit foncier, LMNP, Censi-Bouvard, SOFICA), real estate investment (direct purchase, SCPI, rental property), retirement planning (PER, Bilan retraite), financial placement (assurance vie, PEA, FCPI, crowdfunding, Gestion privée), and project financing (mortgage brokerage, borrower-insurance buyback, credit consolidation). It is registered as both a Conseiller en Investissement Financier (CIF) and Courtier d'Assurance (COA) with ORIAS #18005611 and is a member of Anacofi-CIF, distributing financial and insurance products from multiple market actors on an independent-advisor basis.

The firm's technology stack is described as a standard web-based client management and consultation platform hosted on OVH infrastructure, with no proprietary software, AI/ML components, APIs, or patents disclosed. It supports an in-person and telephone advisory workflow that begins with a free, no-commitment wealth and tax audit and follows a proprietary 5-step "global approach" methodology (audit → objective setting → recommendation → implementation → long-term follow-up) delivered by a dedicated single advisor per client. Distribution combines direct advisory sales, four physical agency offices (Paris headquarters, Lyon/Meyzieu, Boulogne-Billancourt, Bordeaux/Bègles), and two wholly-owned brokerage subsidiaries (Epsilium Courtage, Epsilium Courtage Sud-Ouest) operating as franchisees within the VOUSFINANCER mortgage-brokerage network, alongside minor non-exclusive agency partnerships with ASC Crédit and InnoVF for credit-restructuring products.

Epsilium's business model is built on two revenue streams: professional-services advisory fees for wealth-management consulting, and transaction-based commissions on the financial, insurance and mortgage products it distributes. The first consultation is free; ongoing fee structures are not publicly disclosed. The firm claims 23 years of operation, 1,500+ clients served, more than €150 million facilitated in client investments, coverage of 90% of French territory, a 4.9/5 Trustpilot rating, and a sales motion in which 80% of clients originate from referrals (cooptation). Direction is set by directeur des publications Stéphane Biez, and the firm does not have any disclosed external investors, funding rounds, or parent-company ownership.

Name

Epsilium

Legal name

EPSILIUM

Website

https://epsilium.fr

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Epsilium is a privately held French wealth-management consulting firm (cabinet de conseil en gestion de patrimoine) that advises individual and SMB clients on tax optimization, real estate investment, retirement planning, financial placement, and mortgage brokerage across France. It operates as an ORIAS-registered CIF/COA advisor with four offices and a VOUSFINANCER franchise brokerage network.

Ownership category

akta.pro rank

Product category

Wealth Management Consulting

NAICS

Portfolio Management and Investment Advice (52394), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Based Advisory (FSAEAAAM)

akta.pro secondary industry

Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Wealth management consulting
• Tax optimization advisory
• Real estate investment
• Retirement planning services
• Mortgage brokerage

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory and consulting fees: Revenue is generated through advisory fees for wealth management consulting, including property, tax optimization, financial investment, and retirement planning services. The firm acts as an independent advisor, recommending products from multiple market actors.
2. Commissions on financial and insurance products: As an ORIAS-registered investment financial advisor (CIF) and insurance broker (COA), Epsilium earns commissions on the financial and insurance products it distributes, including mortgage brokerage, insurance, and investment products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Epsilium is a French wealth management consulting firm that advises individual clients on tax optimization (Pinel, LMNP, Malraux, Denormandie, Girardin Industriel, Monuments Historiques, déficit foncier), real estate investment (direct property, SCPI, FCPI), retirement planning (PER, assurance vie, PEA), mortgage brokerage, credit consolidation, and ongoing property and tax administration. Services are delivered by certified advisors under a 5-step proprietary methodology, with a free initial wealth and tax audit and long-term follow-up, and revenue is earned from advisory fees and commissions on financial and insurance products distributed.

Product overview

Epsilium is a wealth management consulting firm operating as a single-service advisory model with multiple specialized product offerings. The company provides comprehensive patrimonial, fiscal, and financial advisory services through a network of certified advisors applying a global 5-step methodology: patrimony audit, objective definition, solution recommendation, implementation, and long-term follow-up. The core offering spans tax reduction solutions (Loi Pinel, LMNP, Loi Denormandie, Loi Malraux, Monuments Historiques, Girardin Industriel, Déficit foncier), real estate investments (direct property purchase, SCPI, SCPI Pinel, FCPI, Crowdfunding), retirement planning (PER, Bilan retraite), savings and investments (Assurance vie, Gestion privée), and credit services (Courtage de crédit, Rachat assurance emprunteur, Regroupement de crédit). The company differentiates through independence from financial product providers, long-term client relationships, and a full-service approach from investment to ongoing management.

Differentiator

Problem solved

Functional benefit

Products and services

• Loi Pinel advisory Tax incentive advisory for new residential rental property investment, enabling up to 21% tax reduction over 12 years; the program ended December 31, 2024.
• LMNP (Loueur Meublé Non Professionnel) advisory Advisory on non-professional furnished rental status, providing supplementary income with attractive taxation including amortization deductions and optional real-regime BIC taxation.
• Loi Denormandie advisory Tax incentive advisory for purchasing renovated old properties, offering tax reductions similar to Pinel for properties requiring renovation work.
• Loi Malraux advisory Tax reduction advisory for investments in old properties requiring significant renovation, particularly in designated conservation areas.
• Loi Monuments Historiques advisory Tax advantage advisory for investments in historic monuments, offering full tax deduction of restoration costs.
• Loi Girardin Industriel advisory Immediate tax reduction advisory for investments in overseas industrial equipment, allowing investors to reduce taxes in the year of investment.
• Déficit foncier advisory Property deficit advisory allowing deduction of property-related expenses exceeding rental income from taxable income, capped at €10,700 annually.
• Plan Épargne Retraite (PER) advisory Personal pension savings plan advisory for employees, self-employed, and civil servants with tax-deductible contributions and flexible withdrawal options (capital or annuity) at retirement.
• Bilan retraite (retirement assessment) Retirement assessment service helping individuals review their career and maximize all pension rights before retirement.
• SCPI advisory Advisory on real estate investment vehicles (Sociétés Civiles de Placement Immobilier) allowing purchase of shares to access property investments with low entry points, diversified risk, and delegated management.
• SCPI Pinel advisory Advisory on SCPI focused on Pinel-eligible properties, combining real estate investment benefits with Pinel tax advantages.
• FCPI advisory Advisory on funds investing in innovative French SMEs, offering rapid tax reductions and minimum subscriptions starting at €500.
• Gestion privée (private wealth management) High-end wealth management service for elite clientele, offering customized portfolio management, privileged access to exclusive assets, and comprehensive asset analysis.
• Assurance vie advisory Life insurance investment advisory, offering multi-support options (euro funds, unit-linked) and flexible withdrawal options.
• Crowdfunding advisory Participatory financing advisory connecting investors with project promoters through online platforms, including donation, lending, and equity-based models.
• Courtage de crédit immobilier Real estate credit brokerage service helping clients obtain optimal financing conditions through partnerships with multiple lenders.
• Rachat de l'assurance emprunteur Loan insurance buyback service enabling clients to change their borrower insurance for more advantageous coverage, saving thousands of euros over the loan term.
• Regroupement de crédit Credit consolidation service merging multiple loans into a single payment to reduce monthly installments.
• Gestion locative Rental property management service handling tenant relations, rent collection, and property maintenance.
• Déclaration de revenus assistance Income tax declaration assistance service helping clients optimize their declarations and tax situations.
• SOFICA advisory Advisory on investments in French film and audiovisual production companies offering tax advantages.
• Investissement locatif advisory Rental property investment advisory covering all aspects from property selection to tenant management.
• LMNP Censi Bouvard advisory Advisory on furnished rental status in designated residences with tax reduction benefits and VAT recovery possibilities.
• Acheter dans le neuf advisory New property purchase advisory service, including off-plan (VEFA) transactions with customized guidance.
• Acheter dans l'ancien advisory Old property purchase advisory service, including renovated properties under the Denormandie scheme.

Quantifiable outcome

• Over €150 million invested through Epsilium recommendations
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• VOUSFINANCERcoreChannel Partner/ Reseller/ DistributorEpsilium Courtage and Epsilium Courtage Sud-Ouest operate as franchise agencies within the VOUSFINANCER network, a major French mortgage and insurance brokerage franchise. VOUSFINANCER provides the brand, systems, and network infrastructure, while Epsilium operates as an independent franchisee.
• Anacofi-CIF (Association Nationale des Conseillers Financiers)minorOthersEpsilium is a member of Anacofi-CIF, the national association of financial advisors in France. Membership provides professional network access and regulatory alignment within the CIF (Conseiller en Investissement Financier) framework.
• OVHminorOthersOVH provides web hosting services for the www.epsilium.fr website. OVH is a major French cloud and web hosting provider with headquarters at 19 Place Françoise Dorin, 75017 Paris.
• ASC CréditminorChannel Partner/ Reseller/ DistributorEpsilium Courtage acts as a non-exclusive agent (mandataire non exclusif, ORias 07006221) for ASC Crédit in the area of loan consolidation and consumer credit, enabling the brokerage to offer consolidated credit solutions to clients.
• InnoVFminorChannel Partner/ Reseller/ DistributorEpsilium Courtage acts as a non-exclusive agent (mandataire non exclusif, ORias 15006878) for InnoVF for loan and credit-related services, complementing its mortgage brokerage offerings.

Scale indicators6 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Fiducée Gestion Privée: Boutique French independent wealth management firm offering personalized patrimonial and tax advisory to individuals—comparable in size, scope, and client orientation to Epsilium.
• Cafpi: France's largest mortgage broker network with comparable IOB/Orias registrations and franchise-style distribution; competes with Epsilium Courtage in credit brokerage.
• Primonial: One of France's largest independent wealth management groups offering tax-optimization, SCPI, assurance vie, and retirement planning to individuals—overlapping end-to-end with Epsilium's advisory and distribution model.
• Cyrus Conseil: French independent wealth management advisory firm serving individuals with tax optimization, real estate investment, and financial planning—closely comparable scale, model, and client focus to Epsilium.
• Meilleurtaux: Leading French mortgage and financial product brokerage with comparable commission-based distribution through franchises; overlaps directly with Epsilium Courtage's mortgage brokerage offering.

Others

• VOUSFINANCER: French mortgage brokerage franchise network of which Epsilium Courtage is an independent franchisee—an ecosystem partner whose brand and infrastructure extend Epsilium's distribution reach.

Emerging players

• Nalo: France-focused digital wealth advisor offering automated, diversified portfolios and tax-optimized life insurance—an emerging digital alternative to traditional advisory firms like Epsilium.
• Linxo: French personal finance aggregation and advisory platform serving retail clients with budgeting and investment insights—an emerging digital competitor overlapping with Epsilium's individual wealth advisory segment.

Broad incumbents

• Boursorama Banque: France's largest online bank and brokerage (Société Générale subsidiary) with extensive investment advisory and assurance vie offerings—an incumbent competitor for self-directed Epsilium prospects.
• Lazard Banque Privée: French private banking franchise offering gestion privée, financial engineering, and tax advisory—competes with Epsilium's premium gestion privée offering for high-net-worth clients.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Epsilium
• LinkedInlinkedin.com/company/epsilium
• Instagraminstagram.com/groupeepsilium

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 Epsilium