Expatrimonia

What Expatrimonia does

Expatrimonia is a French-domiciled, privately held wealth management advisory firm founded in 2013 and headquartered in Asnières-sur-Seine, serving French nationals living abroad across the full expatriate lifecycle, including pre-departure planning, active expatriation, and return-to-France scenarios. The firm's core proposition is integrated gestion patrimoniale (wealth management) for the expat segment, addressing health insurance coverage abroad, family protection, retirement planning, financial investments, real estate investments across multiple French and international structures (SCPI, nue-propriété/bare ownership, LMNP furnished rental, démembrement, SCI, déficit foncier, commercial and international property in Thailand, Indonesia, and Dubai), and tax optimization in France.

The product surface is delivered through a WordPress-based website that functions as both a content marketing engine (approximately 181 blog articles) and a lead capture portal, supplemented by a contact form listing roughly 100+ country options and direct email inquiry. The underlying technology stack is commodity CMS infrastructure with no proprietary technology, API, SDK, or AI/ML components disclosed; the platform's value is in curated content and partner-mediated transactions rather than in software differentiation.

The business model is professional-services advisory with revenue generated through personalized consultations and commissions on referred financial products and property transactions. Pricing is not publicly disclosed; the firm offers free initial personalized studies and consultations as a top-of-funnel conversion mechanism. Distribution is sales-led via direct advisory relationships and content-marketing-driven inbound. Strategic partnerships underpin product delivery, including Thanachart Bank for Thailand mortgages, a French banking partner network for non-resident property financing, and French property developers for off-plan and existing property programs. The firm operates with 1-10 employees across its Paris headquarters and an Asia/Middle East operational contact point, with no disclosed funding rounds, parent company, M&A activity, or management-team data.

Name

Expatrimonia

Legal name

Expatrimonia

Website

https://expatrimonia.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Expatrimonia is a French wealth-management advisory firm dedicated to French expatriates, offering personalized planning across international health insurance, family protection, retirement, tax optimization, and cross-border real estate investments in France, Thailand, Indonesia, and Dubai.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

International Benefits Administration & Global Benefits Brokerage (BPACAHAG)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), International / Expatriate Group Health Plans (FSAIAFAJ), Family Office Trust & Fiduciary Services (FSAEAKAF), Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)

Keywords

• Wealth management advisory
• Expatriate financial planning
• International health insurance
• Retirement planning services
• Cross-border real estate investment

Headquarters

HQ city

Asnières-sur-vègre

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Advisory Services: Expatrimonia provides personalized wealth management consulting services to French expatriates covering insurance, retirement planning, financial investments, real estate, and tax optimization. Revenue appears to be generated through advisory fees and potentially commissions on referred financial products and property transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Expatrimonia is a boutique wealth management advisory firm that provides personalized gestion patrimoniale services to French expatriates worldwide. Its core offering covers international health insurance advisory, family protection (death and disability cover), retirement assessment, financial planning with portfolio tracking, tax optimization in France, and curated real estate investment vehicles (SCPI, Nue-Propriété, LMNP, new build, commercial property, and international property in Thailand, Indonesia, and Dubai), supported by property credit solutions in France and Thailand.

Product overview

Expatrimonia is a wealth management firm dedicated to French expatriates, offering a comprehensive platform of financial and real estate investment services. The core offering centers on gestion patrimoniale (wealth management) which integrates advisory services for health insurance, family protection, retirement planning, and tax optimization. The product portfolio includes specialized real estate investment products (SCPI mutualized investments, Nue-Propriété bare ownership, LMNP furnished rentals, property splitting/démembrement, commercial real estate, and international properties in Thailand, Indonesia, and Dubai), financing services (Crédit Immobilier for France and Thailand), and corporate structuring (SCI). The company also provides advisory modules including financial planning with PLUS-VALUE BUILDER methodology, retirement assessments (Bilan Retraite), expatriate health insurance advisory, family protection, and tax assistance. This multi-product approach enables expatriates to manage their complete wealth picture from a single specialized provider.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestion Patrimoniale des Expatriés (Expatriate Wealth Management) Comprehensive wealth management service for French expatriates covering international health insurance advisory, family protection, retirement planning, financial and real estate investments, estate transmission, and French taxation optimization, delivered through personalized advisory engagements.
• Investissement SCPI Mutualized real estate investment through Sociétés Civiles de Placement Immobilier, enabling diversification across office, retail, and international properties with lower minimum amounts and regular yields averaging +5.13 percent (2008–2013).
• Nue-Propriété / Démembrement de Propriété (Bare Ownership) Property investment through bare ownership (nue-propriété) and property splitting (démembrement), separating usufruct from bare ownership to optimize estate transmission and reduce transfer tax, with the investor becoming full owner at term.
• LMNP (Loueur Meublé Non Professionnel) Furnished rental investment status providing tax advantages through amortization and loan interest deductions, with targeted returns of 6–8 percent compared to 4–6 percent for unfurnished rental.
• Immobilier Neuf (New Build Real Estate) New construction real estate investment in France with reduced notary fees, high energy performance, limited maintenance costs, and builder warranties, accessed via developer partnerships.
• Immobilier Commercial (Commercial Real Estate) Commercial real estate investment creating solid value through non-cyclical returns from shopping galleries and city center retail spaces.
• Immobilier International (International Real Estate) Cross-border property investment covering Thailand, Indonesia, and Dubai markets for expatriates seeking geographic diversification of their real estate holdings.
• Crédit Immobilier (Property Credit) Real estate financing services supporting property purchases in France (via a banking partner network) and Thailand (via Thanachart Bank at MLR plus 2 percent, with a 50 percent loan-to-value ratio and minimum 1,000,000 THB), including legal and financial structuring support.
• SCI (Société Civile Immobilière) Structuring Civil real estate company structuring service including statutes drafting, registration, shareholder agreements, and bank account setup for family or wealth management purposes.
• Déficit Foncier Real estate deficit investment allowing tax deduction of property expenses against other income for fiscal optimization.
• Planification Financière (Financial Planning) Financial planning service including savings management, investment tracking, and the PLUS-VALUE BUILDER methodology for portfolio performance optimization.
• Bilan Retraite (Retirement Assessment) Retirement assessment service analyzing French pension entitlements and reversion amounts for expatriates to plan adequate retirement income, including for trailing spouses.
• Santé Expatriés (Expatriate Health Insurance Advisory) International health insurance advisory comparing coverage options for expatriates across different countries and healthcare systems to improve quality-to-price ratio.
• Protection Familiale (Family Protection) Family protection services covering death and disability insurance to secure family financial stability in case of life accidents.
• Assistance Fiscale (Tax Assistance) Tax assistance services for expatriates including fiscal audits and optimization of tax situation in France, with referral to an expatriate tax audit service.

Quantifiable outcome

• SCPI average yield of +5.13% (2008-2013)
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Property Developers (Promoteurs Immobiliers)coreChannel Partner/ Reseller/ DistributorExpatrimonia has partnered with leading property developers (promoteurs immobiliers de premier ordre) to offer a selection of quality new and old property programs across France. These partnerships provide clients with access to off-plan and completed properties meeting criteria of location, construction quality, and profitability.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• Yomoni: Yomoni is a French robo-advisor offering managed portfolios and retirement savings — an emerging digital player that addresses part of Expatrimonia's investment and retirement planning use cases at lower cost.
• Ramify: Ramify is a French wealth management platform offering SCPI, private equity, and life insurance products — overlapping with Expatrimonia's real estate investment and insurance brokerage offerings for French clients.
• Harvest: Harvest provides software and wealth-management solutions to French financial advisors, competing indirectly with Expatrimonia by enabling other advisors to deliver similar wealth-planning and tax-optimization services.
• Nalo: Nalo is a French goal-based wealth management platform providing investment and savings planning — adjacent to Expatrimonia's financial planning and PLUS-VALUE BUILDER services with a self-serve digital model.
• Linxo: Linxo is a French personal finance and account-aggregation platform that overlaps with Expatrimonia's financial tracking and savings-management advisory at a more automated, consumer-grade level.

Broad incumbents

• BNP Paribas Banque Privée: BNP Paribas's private banking arm serves international clients including French expatriates with wealth management, tax advisory, and real estate financing — a broad incumbent offering overlapping services at much larger scale.
• Boursorama Banque: Boursorama is a major French online bank offering investment, savings, and insurance products to a broad French-speaking audience, including non-residents — an incumbent competitor for Expatrimonia's investment and protection services.
• Société Générale Private Banking: Société Générale's international private banking division addresses French expatriates' cross-border wealth, investment, and financing needs, competing for the same HNW expat clientele from a large-bank platform.
• Crédit Agricole Wealth Management: Indosuez Wealth Management (Crédit Agricole group) targets international French-speaking clients with cross-border wealth structuring, directly overlapping Expatrimonia's expatriate wealth advisory proposition.

Direct peers

• UEXpat: UEXpat is a French-founded insurance and financial services platform dedicated to European expatriates, directly comparable in persona (French/European expats), cross-border insurance focus, and content-led acquisition strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/expatrimonia
• LinkedInlinkedin.com/company/expatrimonia

Revenue estimate

Valuation estimate

Number of profiles

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 Expatrimonia