SOCAF
Groupe SOCAF is a Paris-based mutualist financial guarantee society, founded in 1965, providing Loi Hoguet financial guarantees, insurance brokerage (via SAA), and Qualiopi-certified training (via CEPSO) to over 5,000 French real estate professionals and 7,200 agencies.
- Company typePrivate
- Founded1965
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2B
- OfferingServices
What SOCAF does
Groupe SOCAF, founded in 1965 and headquartered at 26 avenue de Suffren, Paris, is a mutualist financial guarantee society (société de caution mutuelle) operating under France's Loi Hoguet framework. It is the only mutualist financial guarantor in the French real estate market, structured as three integrated entities: SOCAF itself (providing mandatory financial guarantees for real estate professionals handling client funds), SAA / Suffren Assurances Associés (an insurance brokerage subsidiary distributing RCP, GLI, PNO, Dommages-Ouvrage, Protection Juridique, Multirisques Bureaux, Multirisques Immeuble, and commercial agents' coverage, with MMA IARD as the underlying capacity partner and CFDP for legal protection), and CEPSO (a Qualiopi-certified training center publishing the L'Activité Immobilière professional journal). Its core technology comprises proprietary member portals (Espace Sociétaires, SAA Extranets for PNO/GLI/Sinistres/Solvaccord) and an e-learning platform (cepso.learnybox.com).
SOCAF serves over 5,000 sociétaires (members) and 7,200 real estate agencies in France, with €2.6 billion in commitments guaranteeing client funds. Its primary customer segments are agents immobiliers, administrateurs de biens, syndics de copropriété, and créateurs d'agence. Revenue mechanics combine (a) annual guarantee membership fees structured as degressive tiers tied to guaranteed amounts with loyalty discounts and promotional rates for new creators, plus refundable social share and guarantee fund contributions; (b) insurance brokerage commissions on SAA-distributed products; and (c) training fees (€198–€372 TTC per session for members, with OPCO/AGEFICE/FIF PL third-party financing pathways). The go-to-market is sales-led with dedicated commercial contacts (Benjamin DELUEGUE for existing businesses, Jade MARIE-LUCE for new business creation, Indira LEMAIRE for insurance products), complemented by digital self-service portals, an online quote/adherence workflow with 24-hour quote turnaround, and member-only extranet tools.
Member ownership is the structural differentiator: sociétaires are the sole shareholders, elect administrators from among themselves, and benefit from any redistributed surpluses — distinguishing SOCAF from network-, franchise-, or bank-affiliated competitors and creating the structural basis for its pricing and community-cohesion model.
SOCAF firmographics
Firmographics- Name
- SOCAF
- Legal name
- SOCAF
- Website
- https://socaf.fr
- Company type
- Private
- Founded year
- 1965
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Groupe SOCAF is a Paris-based mutualist financial guarantee society, founded in 1965, providing Loi Hoguet financial guarantees, insurance brokerage (via SAA), and Qualiopi-certified training (via CEPSO) to over 5,000 French real estate professionals and 7,200 agencies.
- Ownership category
- akta.pro rank
SOCAF industry classification
Industry- Product category
- Professional Financial Guarantee Services
- NAICS
- Funds, Trusts, and Other Financial Vehicles (525), Educational Support Services (61171)
- SIC
- Services-Engineering, Accounting, Research, Management (8700)
- akta.pro primary industry
- Risk, Controls & Governance (GRC) Platforms (FSAFAOAG)
Keywords
Where SOCAF is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
SOCAF business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Others, Marketing or Sales, Technology or R&D
Revenue model
- Financial Guarantee Membership Fees: SOCAF operates as a mutual guarantee society (caution mutuelle) where members (sociétaires) pay annual management fees based on the guaranteed amount and activity type. Fees are calculated using degressive rate tiers proportional to guaranteed sums, with discounts for loyalty (5+ years) and promotional rates for first-year creators. An initial social share purchase and collective guarantee fund contribution are required upon joining (refundable upon departure).
- Insurance Brokerage (SAA): Suffren Assurances Associés (SAA), the group's insurance brokerage subsidiary, earns commissions on insurance products sold to real estate professionals and their clients, including RCP, GLI, Dommages-Ouvrage, Protection Juridique, Multirisques Bureaux, Multirisques Immeuble, PNO, and agents commerciaux coverage. Products are offered as group contracts or individual subscriptions with negotiated terms.
- Professional Training (CEPSO): CEPSO generates revenue from training course fees charged to participants. Members benefit from reduced rates (198€/324€ TTC per session) compared to non-members (228€/372€ TTC). E-learning modules are available at fixed prices (e.g., 30€ TTC for 2h non-discrimination course). Revenue is supplemented by OPCO/AGEFICE/FIF PL third-party financing collected by training participants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Transaction without fund handling – Financial Guarantee (110,000€) |
| Subscription | Annual | Transaction with fund handling / Gestion / Syndic – Derogatory creation amount (30,000€) |
| Subscription | Annual | Transaction with fund handling / Gestion / Syndic – Standard minimum (120,000€) |
| Unit Pricing | Pay-as-you-go | CEPSO Training – Member rate (3h30 session) |
| Unit Pricing | Pay-as-you-go | CEPSO Training – Member rate (7h session) |
| Unit Pricing | Pay-as-you-go | CEPSO Training – Non-member rate (3h30 session) |
| Unit Pricing | Pay-as-you-go | CEPSO Training – Non-member rate (7h session) |
| Unit Pricing | Pay-as-you-go | CEPSO E-learning – Non-discrimination (2h) |
| Unit Pricing | Pay-as-you-go | CEPSO E-learning – Video creation with CapCut (7h) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
SOCAF product offering
Product offeringCore offering
SOCAF is a French mutual society that issues the financial guarantee required by the Loi Hoguet for real estate professionals and, through its subsidiaries SAA and CEPSO, broker complementary professional and property insurance and deliver certified professional training. Its primary customers are regulated real estate agencies (transaction, property management, and co-ownership trustees) operating in France.
Product overview
Groupe SOCAF is a mutualist group providing comprehensive financial, insurance, and training solutions for real estate professionals. The group consists of three entities: SOCAF Garantie Financière (core financial guarantee product under Hoguet Law), SAA Assurances (insurance brokerage subsidiary offering RCP, GLI, Dommages Ouvrage, Protection Juridique, Multirisques, and PNO insurance products), and CEPSO Formation (Qualiopi-certified training center publishing L'Activité Immobilière magazine). Together they serve over 5,000 member agencies with guarantees, insurance, and professional development.
Differentiator
Problem solved
Functional benefit
Products and services
- SOCAF Garantie Financière
Quantifiable outcome
- 2.6 billion euros in commitments guaranteeing client funds
- +3 more outcomes
Companies that use SOCAF
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
SOCAF technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature4 records
SOCAF partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor and core.
- Pay'immominorPay'immo provides payroll services for building guardians (gardiens d'immeubles), offered as a recommended operational partner to SOCAF syndics members for day-to-day management needs.
- MMA IARDcoreMMA IARD is the long-standing insurance partner (60+ years) of SAA Assurances for RCP and professional liability coverage. MMA specializes in liberal professions and provides the underlying insurance capacity for SAA's group insurance products.
- CFDP AssurancescoreCFDP Assurances provides legal protection insurance (Protection Juridique) under the SAA insurance range. CFDP handles legal assistance calls and manages protection juridique claims for SOCAF members.
- Protexa, Lockimmo, La Boîte ImmominorPreferred rates and partnerships offered to SOCAF members for software/technology solutions (real estate software, digital tools). These are discounted third-party vendors accessible through SOCAF membership benefits.
- OPCO-EPcoreOPCO-EP is the French skills operator (Opérateur de Compétences) for employees in the sport sector, which also funds training for real estate professionals. CEPSO training is eligible for OPCO-EP financing (25-40€ HT/hour, up to 2,000€ HT/year for companies <11 employees).
- AGEFICEcoreAGEFICE is the professional training fund for non-salaried business leaders (dirigeants non salariés). CEPSO training is eligible for AGEFICE financing (42€ HT/hour for in-person, 35€ HT/hour for visio; up to 3,000€ HT/year for mandatory training).
- FIF PLcoreFIF PL is the professional training fund for liberal professions. CEPSO training is eligible for FIF PL financing (300€ HT/day cap; up to 900€ HT/year; e-learning rate halved). Training must be requested 10 days before the session.
- CNPM – Médiation de la ConsommationminorCNPM is the designated consumer mediation body for SAA Assurances in compliance with French consumer law (articles L.616-1 and R.616-1 of the Code de la consommation). Members can file complaints via cnpm-mediation-consommation.eu.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
SOCAF competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SOCAF social profiles
Digital presenceSOCAF compliance and trust
Trust signalCompliance1 record
SOCAF financial estimates
Financial estimateRevenue estimate
Valuation estimate
SOCAF leadership team
Management profileNumber of profiles
SOCAF subsidiaries and ownership
Company hierarchySubsidiaries2 records
SOCAF funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SOCAF 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 SOCAF
What does SOCAF do?
SOCAF is a French mutual society that issues the financial guarantee required by the Loi Hoguet for real estate professionals and, through its subsidiaries SAA and CEPSO, broker complementary professional and property insurance and deliver certified professional training. Its primary customers are regulated real estate agencies (transaction, property management, and co-ownership trustees) operating in France.
Is SOCAF a public or private company?
SOCAF is a private company. It is classified as management employee owned and is currently operating.
When was SOCAF founded?
SOCAF was founded in 1965. It employs 11 to 50 people.
Where is SOCAF based?
SOCAF is headquartered in Paris, France, in the Europe region.
How does SOCAF make money?
Three revenue lines are on record. Financial Guarantee Membership Fees are the primary driver. The others are insurance Brokerage (SAA) and professional Training (CEPSO).
Does SOCAF have an API?
No public API is recorded for SOCAF.
What industry is SOCAF in?
SOCAF's product category is Professional Financial Guarantee Services. Its primary akta.pro industry code is FSAFAOAG, Risk, Controls & Governance (GRC) Platforms. Its NAICS code is 525 and its SIC code is 8700.