Viagimmo

What Viagimmo does

Viagimmo is a France-based, privately held (SARL) real estate network founded in 2017 and headquartered in Les Sables d'Olonne, specializing in viager (life annuity) property transactions and adjacent products. The company operates a national franchise model: 23+ independently owned and incorporated agencies across metropolitan France and Guadeloupe deliver in-person advisory and transaction services, while a central website (viagimmo.fr) provides a property-listing search engine, free viager studies, and SEO-optimized educational content covering six transaction types (Viager Occupé, Viager Libre, Vente à Terme Occupée/Libre, Vente au Comptant, and Nue-Propriété) plus a post-sale Gestion Viagère annuity-management subscription.

The central platform is a standard property-listing and lead-capture website — no AI/ML components, APIs, or proprietary technology beyond category and geographic filters, contact forms, and content management. The technology layer is conventional CMS plus CRM, with the value proposition resting on human expertise: agency directors and "viager experts" with 10-20 years of real estate and finance experience. Viagimmo owns a registered trademark and is a CNIL-registered data processor (declaration 2055607).

The business model is multi-stream. Franchisees earn agency commissions (typically 5.84%-8% of property market value, tiered by value band) on completed viager, term, cash, and bare-ownership sales, paid by sellers or acquirers depending on the transaction. The central Viagimmo entity captures franchise/royalty fees from member agencies and recurring monthly management fees on the Gestion Viagère service (€40/month for annuities ≤€540, 7.5% of rent for mid-tier, €98/month for higher annuities). Customer acquisition is primarily inbound via SEO content, social media, earned media in major French outlets, and email — supplemented by three partnership tiers (Franchise, Partenaire, Prescripteur) for network expansion. The customer base is retail, with 1,246 active listings and individual seller/buyer testimonials (no enterprise accounts).

Name

Viagimmo

Legal name

SARL VIAGIMMO

Website

https://viagimmo.fr

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Viagimmo is a French franchise network, founded 2017, of 23+ agencies specializing in viager (life annuity) real estate transactions for senior sellers and property buyers/investors, generating revenue from agency commissions, franchise royalties, and recurring annuity-management fees.

Ownership category

akta.pro rank

Product category

Viager Real Estate Services

SIC

Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Real Estate Referral Networks (Agents, Brokers & Lead Gen) (FSAEAMAF)

Keywords

• Viager transactions
• Life annuity sales
• Real estate franchise
• Bare ownership sales
• Property term sales

Headquarters

HQ city

Les Sables-d'olonne

HQ country

France

HQ region

Europe

Offices24 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Agency transaction fees (commissions on viager sales): Viagimmo franchisees charge agency fees (honoraires) to sellers or buyers upon successful viager transaction completion. Fees are calculated as a percentage of the property's estimated market value (valeur vénale) or as fixed-rate packages depending on the property value tier and transaction type (viager occupé, viager libre, nue-propriété, vente à terme). The network operator also earns franchise fees from member agencies. Additionally, a viager management service (VIAGIMMO SAS, RCS 828 711 218) charges monthly management fees based on the level of the viager rent.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Viagimmo is a national French franchise network of real estate agencies that specializes in viager (life annuity) property transactions. The network facilitates six distinct property sale structures — viager occupé, viager libre, vente à terme (occupied and libre), vente au comptant, and nue-propriété — connecting individual property owners (typically seniors 60+) seeking to monetize home equity with property buyers and investors. Complementary services include free viager feasibility studies, ongoing contract management (Gestion Viagère), and franchise/partnership programs for real estate professionals.

Product overview

Viagimmo operates as a national franchise network of real estate agencies specializing in viager (life annuity) property transactions, along with related products including term sales, cash sales, and bare ownership arrangements. The core platform offers six distinct transaction types: Viager Occupé (occupied life annuity), Viager Libre (free life annuity), Vente à Terme (term sale in occupied and free variants), Vente au Comptant (cash sale), and Vente Nue-Propriété (bare ownership sale). Complementary services include Gestion Viagère (ongoing annuity management with tiered pricing), Etude Viagère Gratuite (free property assessment), and educational resources including the Guide Pratique du Viager and ebooks. The business operates through three partnership models: Franchise Viagimmo (full agency franchise), Partenaire Viagimmo (professional partnership), and Prescripteur Viagimmo (referral program). The network covers properties across France including overseas territories (Guadeloupe), with 1246 active listings as of the data collection period.

Differentiator

Problem solved

Functional benefit

Products and services

• Viager Occupé Life annuity sale where the seller (crédirentier) retains the right to occupy the property until death, receiving a lump sum (bouquet) and/or periodic lifetime rent payments from the buyer (débirentier). Targeted at property owners aged 60+ who wish to monetize home equity while remaining in their home.
• Viager Libre Life annuity sale where the buyer obtains immediate full ownership rights to occupy or rent the property, while the seller receives a bouquet and/or lifetime rent. Targeted at sellers vacating the property and at buyers/investors seeking immediate possession.
• Vente à Terme Term sale transaction where the purchase price is paid over a fixed duration rather than as a lifetime annuity, with periodic payments to the seller. Offered in occupied and libre variants. Targeted at sellers preferring defined-term payment structures over lifetime annuities.
• Vente au Comptant Full cash purchase transaction where the buyer pays the entire agreed price upfront, with the seller transferring complete ownership immediately. Targeted at sellers seeking immediate full liquidity and buyers purchasing outright.
• Vente Nue-Propriété Sale of bare ownership rights where the buyer acquires the property while the seller (or another person) retains usufruct benefit for a specified period or lifetime. Targeted at sellers seeking to monetize equity while retaining usage rights, and at investors acquiring property at a discount.
• Gestion Viagère Ongoing life annuity management service including rent collection, contract monitoring, and administrative support for active viager contracts. Billed monthly with tiered pricing based on rental amount. Targeted at sellers (crédirentiers) and heirs managing active viager contracts.
• Etude Viagère Gratuite Free professional assessment evaluating a property owner's eligibility and potential benefits of selling via viager, including revenue projections and contract recommendations. Targeted at property owners considering a viager sale, functioning as the network's lead-generation entry point.
• Franchise Viagimmo Franchise opportunity allowing real estate professionals to join the Viagimmo network as independent agency owners, leveraging the Viagimmo brand, viager training, and standardized business model. Targeted at real estate professionals seeking to operate under an established viager-specialist brand.
• Partenaire Viagimmo Partnership program for real estate professionals seeking to collaborate with the Viagimmo network and leverage its viager expertise without operating as a full franchisee. Targeted at independent agents wanting access to Viagimmo's specialized viager resources.
• Prescripteur Viagimmo Referral prescriber program for professionals (notaries, wealth advisors, etc.) who recommend Viagimmo's services to clients without operating as franchisees. Targeted at professionals in adjacent advisory fields who encounter viager candidates.

Quantifiable outcome

• 1246 active viager listings on the platform
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Cabinet Chateaubriand (5 agencies in Brittany)minorStrategic or Co-development Partner · 30 June 2026A new partnership was announced on 30 June 2026 between Viagimmo and five agencies of Cabinet Chateaubriand in Brittany. The partnership expands Viagimmo's franchise presence in the Brittany region, adding five agencies to the network under the Cabinet Chateaubriand banner.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Orpi: One of France's largest residential real estate cooperative networks with broad geographic coverage. Represents the broad incumbent threat if major networks move deeper into viager specialization.
• Century 21 France: Large national residential real estate franchise network in France. While not viager-specialized, individual Century 21 agencies transact viager and compete for the same buyer/seller pool as Viagimmo's franchisees.
• Foncia: France's largest property management and real estate services group. Provides property administration services to individual and institutional owners, including ongoing contract management that overlaps with Viagimmo's Gestion Viagère offering.
• Laforêt: Established French real estate franchise network offering traditional sales, rentals, and increasingly niche products. Comparable on the franchise-distribution and local-agency dimensions.

Direct peers

• Groupe Viager: Network of viager-specialized agencies across France offering brokerage, free studies, and ongoing annuity management. Directly comparable to Viagimmo in scope, product, and franchise-style structure.
• France Viager (Studélita): National French viager brokerage and school with online property listings, advisory services, and agent training. Competes head-to-head with Viagimmo in educating buyers/sellers and intermediating viager transactions.
• Viager & Cie: French viager-specialized agency with brokerage and free study services, focused on occupied and libre viager. Operates in the same niche with the same target customer segments as Viagimmo.
• Le Bon Viager: Online viager listings platform and brokerage connecting buyers and sellers. Directly comparable on the property-search portal side and on intermediation of viager transactions.
• La Maison du Viager: One of the longest-standing French viager specialists with a national agency footprint and a similar mix of viager occupé, viager libre, and nue-propriété offerings. Directly comparable to Viagimmo on product set and target customers.
• Cerise Viager: French specialist in viager and nue-propriété sales, with a network of partner agents across France. Closely comparable to Viagimmo's niche brokerage + partner-agency model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/viagimmo
• YouTubeyoutube.com/channel/UCfo-X3MZdrMvPbqerHreEZg/videos
• Facebookfacebook.com/viagimmo
• LinkedInlinkedin.com/company/viagimmo
• Instagraminstagram.com/viagimmo
• Pinterestpinterest.fr/viagimmo

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Viagimmo