What Savoisienne Habitat does

Savoisienne Habitat is a French cooperative social housing company (S.A. Coopérative HLM) founded in 1907 and headquartered in Chambéry, Savoie. It operates eight complementary real estate activities covering the full residential journey: land development (aménageur), property development (promoteur), individual house construction (constructeur), social rental (bailleur), rental management (gestion locative), and condominium property management (syndic). The company serves moderate- to modest-income households across the Savoie department (Grand Chambéry, Grand Lac, Arlysère communities, and mountain resorts including Courchevel, Tignes, and Bourg-Saint-Maurice) and is expanding into Haute-Savoie via a joint program in Rumilly.

The company's product offering centers on new-build apartments and individual houses sold through regulated affordable-housing mechanisms — primarily PSLA (Prêt Social Location-Accession) and BRS (Bail Réel Solidaire) — with pricing eligible for a reduced 5.5% TVA versus the standard 20%. BRS enables a 15–30% discount versus market prices by separating land and building ownership, with monthly land fees paid to an OFS (Organisme Foncier Solidaire). The rental book consists of HLM units distributed across the Savoie department with controlled rents; eligibility thresholds are reportedly broad enough to cover more than 50% of the local population. Active programs include Le Silicium (Chambéry Vetrotex, delivery 2028), Le Kaolin (La Motte-Servolex, 2026), KLYÂ (Courchevel, 2026), On The Rock (La Plagne, 2026), and Tie Break (Rumilly, 2026, joint with Spirit Immobilier).

Revenue is generated through a mix of one-time VEFA property sales and recurring rental and property-management fees, supplemented by a free financing brokerage service. Distribution is direct via the Chambéry headquarters and dedicated contact lines for syndic and rental management; marketing is multi-channel (website, social, newsletter, Salon Immo events, and a Parrainage referral program paying €500/€150). The company is governed as a cooperative with €800,000 in variable capital, has no parent company, and employs 60+ staff. No AI, ML, or proprietary software platform is disclosed; operations rely on conventional real-estate development and property-management tooling.

Name

Savoisienne Habitat

Legal name

Savoisienne Habitat S.A. Coopérative HLM à capital variable de 800 000€

Website

https://savoisienne.com

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

11–50 employees

Short description

Savoisienne Habitat is a French cooperative social housing company (S.A. Coopérative HLM) founded in 1907, operating in Savoie and Haute-Savoie. It develops, constructs, rents, and manages affordable housing for moderate-income households through PSLA, BRS, and HLM programs.

Ownership category

akta.pro rank

Product category

Social Housing Services

NAICS

Lessors of Residential Buildings and Dwellings (53111), Lessors of Real Estate (5311), Rental and Leasing Services (532)

SIC

Real Estate Operators (No Developers) & Lessors (6510), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD)

akta.pro secondary industries

HOA / Condominium Association Management (BPAJAFAH), Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

Keywords

• Social housing
• Affordable housing
• Property management
• Real estate development
• Condominium management

Headquarters

HQ city

Chambéry

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Infrastructure, Marketing or Sales, Others

Revenue model

1. Property Development and Sales: Development and sale of new apartments and individual houses through regulated social housing programs (PSLA, BRS) targeting households with moderate to modest incomes.
2. Social Housing Rentals: Social housing (HLM) rentals with controlled rents and potential housing assistance (aide au logement). Their HLM portfolio is distributed across the entire department.
3. Property Management (Syndic): Condominium property management services for both their own constructions and properties built by other developers, including technical, economic, and regulatory management of common areas.
4. Rental Management for Third Parties: Property rental management services for private owners, including rental intermediation services for vulnerable populations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Savoisienne Habitat is a cooperative social housing provider (S.A. Coopérative HLM) operating eight complementary real estate activities across Savoie and Haute-Savoie: land development (aménageur), new-build property development (promoteur), individual house construction (constructeur), social rental housing (bailleur), rental management (gestion locative), condominium management (syndic), and third-party property gérance. The company sells new apartments and houses through regulated affordable ownership programs (PSLA, BRS) with TVA 5.5% and offers social housing rentals with controlled rents across the Savoie department.

Product overview

Savoisienne Habitat is a social housing cooperative (S.A. Coopérative HLM) founded in 1907, operating across Savoie and Haute-Savoie departments through 8 complementary activities. The company offers a vertically integrated housing services portfolio comprising: new apartment sales under VEFA through branded programs (Le Silicium, Le Kaolin, Tie Break, KLYÂ, On The Rock); individual house construction with model range and plot sales; rental housing management; condominium syndicate services (Syndic); land development; third-party property management; and specialized financing services including PSLA (Prêt Social Location-Accession) and BRS (Bail Réel Solidaire) programs. The BRS and PSLA modules enable affordable property acquisition at 15-30% below market rates through innovative land-building separation mechanisms. The company employs over 60 staff and serves households across Chambéry, Aix-les-Bains, Albertville, Courchevel, and other Savoie communities.

Differentiator

Problem solved

Functional benefit

Brands

• Savoisienne Habitat: Main brand for the cooperative's real estate activities including development, construction, rental management, and property management services in Savoie and Haute-Savoie.

Products and services

• Promotion immobilière - Appartements neufs (New apartment sales) Sale of new-build apartments off-plan (VEFA) across the Savoie and Haute-Savoie departments, with eligibility under regulated affordable housing mechanisms (BRS, PSLA) for moderate-income households, delivered via multi-year construction programs.
• Constructeur de maisons individuelles (Individual house construction) Construction of individual houses on company-developed plots, using a catalog of qualitative and accessible house models; the company's original and historic activity since 1907.
• Location de logements (Social housing rentals) Rental of social housing (HLM) units with quality-controlled rents and eligibility for housing assistance (aide au logement), available across the entire Savoie department.
• Syndic de copropriété (Condominium management) Condominium (syndic) management service covering technical, economic, and regulatory administration of common areas for both Savoisienne-built residences and those developed by other promoters.
• Aménagement foncier (Land development) Land development (aménagement foncier) operations creating new residential lots and neighborhoods throughout the Savoie region, feeding the construction and home-sale activities.
• Gérance pour le compte de tiers (Third-party rental management) Rental management and tenant relations services for private owners, including intermediated rental (intermédiation locative) for vulnerable populations with affordable rents.
• Prêt Social Location-Accession (PSLA) Government-regulated social rental-purchase loan program enabling gradual property acquisition through a two-phase process with reduced financial risk for eligible moderate-income buyers.
• Bail Réel Solidaire (BRS) Government-regulated Solidarity Real Estate Lease program allowing property purchase at 15-30% below market rates through land-building separation, with monthly land fees paid to an OFS (Organisme Foncier Solidaire).
• Service de courtage gratuit (Free financing brokerage) Free in-house financing brokerage helping clients secure optimal funding and identify applicable subsidies (e.g., Grand Chambéry acquisition aid) based on their financial situation.
• Le Silicium (apartment program) New-build apartment program in Chambéry Vetrotex eco-district with RT 2012 compliance, NF Habitat certification, eligibility for reduced 5.5% VAT, and potential Grand Chambéry purchase assistance; T1 to T5 units with delivery scheduled for Q3 2028.
• Le Kaolin (apartment program) Eco-certified new-build apartment program of 36 units (T1 to T5) in La Motte-Servolex (écoquartier du Hameau des Granges) featuring BRS pricing, NF HABITAT HQE certification, photovoltaic panels, and collective wood pellet heating; delivery scheduled for H1 2026.
• KLYÂ (apartment program) 36-unit new-build BRS apartment program in Courchevel (Zac Sous Moriond, 1650m altitude) including 12 BRS, 20 affordable purchase, and 4 regulated purchase units aimed at year-round residency in Courchevel and Val Vanoise; delivery scheduled for 2026.
• On The Rock (apartment program) 21-unit new-build BRS apartment program across two buildings in Bellentre-La Plagne (Tarentaise valley, near Paradiski ski domain), including 6 BRS units targeting year-round mountain living; delivery scheduled for 2026.
• Tie Break (joint program with Spirit Immobilier) Joint 42-unit new-build program (T2 to T4) developed with Spirit Immobilier in Rumilly (Albanais area), including 22 BRS units with Action Coeur de Ville subsidies enabling adjusted pricing; delivery scheduled for Q3 2026.

Quantifiable outcome

• 15-30% property price reduction compared to market through BRS program
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor and core.

• BORIS (BETA.GOUV.FR)minorGTM or Marketing PartnerPartnership with the French government's BORIS eligibility simulator service, which allows potential customers to test their eligibility for affordable housing programs directly from the website.
• Spirit ImmobiliercoreStrategic or Co-development PartnerJoint development partnership with Spirit Immobilier for the Tie Break program in Rumilly, combining both companies' expertise in property development and social housing.
• Grand ChambérycoreStrategic or Co-development PartnerLocal government partnership providing acquisition assistance subsidies for eligible buyers in the Grand Chambéry metropolitan area, applicable to certain program units.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Immobilière 3F: Major national French HLM (ESH) under Action Logement group providing social rental, accession, and housing services across France — broad incumbent competitor in the same social housing regulated space.
• CDC Habitat: France's largest HLM operator (subsidiary of Caisse des Dépôts) operating social and intermediate rental, accession, and property management nationally — broader incumbent in the same HLM category with overlapping regulated programs (BRS, PSLA).
• ICF Habitat: National French HLM (SNCF group subsidiary) operating social rental, intermediate housing, and accession programs across multiple régions — broad incumbent operating in the same HLM/regulated housing category.

Direct peers

• Batigère: French regional HLM cooperative offering social and intermediate rental housing plus accession programs across multiple régions — comparable cooperative structure and integrated HLM service model.
• Pluralis: French regional cooperative HLM operating across multiple départements with integrated development, construction, rental, and syndic activities — same vertically integrated HLM cooperative model as Savoisienne Habitat, making it the closest direct analogue by structure and scope.
• Erilia: Regional French HLM (ESH) operating across southern and eastern France with social rental, accession programmes, and property management — directly comparable social-housing operator with similar integrated service offering.
• Immobilière Rhône-Alpes (ERA): Regional French HLM cooperative operating in the Rhône-Alpes area with social rental, accession, and property management — directly comparable cooperative HLM model in the same broader French region (now part of Auvergne-Rhône-Alpes), with overlapping customer base.
• Dynacité: French HLM cooperative active in Auvergne-Rhône-Alpes offering rental housing, accession sociale (PSLA, BRS), syndic, and construction — comparable cooperative HLM model with overlapping customer base and product mix.
• Alliade Habitat: Major Rhône-Alpes–region HLM operator providing social rental, accession (including BRS), and property management across the broader Auvergne-Rhône-Alpes region, including areas adjacent to Savoisienne Habitat's territory — directly comparable geographic and product overlap.

Regional players

• Vilogia: French HLM operator primarily serving the Hauts-de-France région with social and intermediate rental plus accession programmes — comparable HLM model operating at a regional scale similar to Savoisienne Habitat but in a different French territory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks1 record

Key highlights6 records

Customer concentration

• Xx.com/savoisiennehab
• Facebookfacebook.com/SavoisienneHabitat
• LinkedInlinkedin.com/company/51673669

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Savoisienne Habitat