OPAC de Savoie

What OPAC de Savoie does

OPAC de Savoie is a French Office Public de l'Habitat established in 1951 by the Conseil général de la Savoie and headquartered in Chambéry. It is a public industrial and commercial establishment (Établissement Public à Caractère Industriel et Commercial; SIREN 776 459 547) that manages approximately 20,400 social housing units distributed across 200 communes in the Savoie department, serving roughly 10% of the local population. Its core activities are (i) regulated social housing rentals allocated through the national demande-logement-social.gouv.fr platform and a Commission d'Attribution des Logements (CALEOL); (ii) affordable property sales under the Otrimmo Savoie commercial brand via VEFA, PSLA (Location-Accession), Vente HLM, and Bail Réel Solidaire (BRS) — the last operated in partnership with the ORSOL land trust; and (iii) construction and renovation operations carried out via a network of about 2,300 partner enterprises, with €93M of procurement volume in 2022 and €41M committed annually to maintenance and energy retrofit.

The organization's technology footprint is straightforward: a tenant self-service portal (Espace Locataire), a public-facing property portal, an enterprise procurement portal (Espace Entreprise), and territorial antennas plus proximity correspondents providing local service. New construction complies with RE2020 environmental standards, with notable programs (e.g., the Hameau des Granges ecoquartier at La Motte-Servolex, delivered June 2026 for €13.5M; HANAMI at Tours-en-Savoie; Le Domaine de Buttet at Le Bourget-du-Lac) illustrating integration of collective wood-pellet heating, photovoltaic generation, biodiversity corridors, and an in-residence Assistant à Maîtrise d'Usage (AMU) concierge service. The customer base spans low-to-moderate income households (rental), aspirational accession sociale buyers (BRS, PSLA, HLM resale), specialized populations such as elderly disabled residents (Deltha Savoie residency at La Chambre), and B2B construction partners.

Revenue mechanics are anchored in regulated recurring rental income (PLAI, PLUS, PLS tiers with monthly rents ranging from roughly €346 for a T1 bis to €636 for a T3), supplemented by one-time property sale proceeds from subsidized sale programs priced 20-30% below market (T2 HLM from €141,500, BRS T3 from €244,000). Strategic positioning is reinforced through institutional partnerships with Action Logement, Conseil Départemental de la Savoie, Grand Chambéry, Caisse des Dépôts, Unis-Cité, and ORSOL, alongside ISO 9001 certification, RGPD compliance with a designated DPO, and tenant satisfaction metrics of 9/10 recommendation. All operations are domestic (Savoie, France); there is no external private equity, venture capital, or parent-company ownership structure.

Name

OPAC de Savoie

Legal name

OPAC SAVOIE – Office Public de l'Habitat

Website

https://opac-savoie.fr

Company type

Private

Founded year

1951

Operating status

Operating

Headcount range

101–250 employees

Short description

OPAC de Savoie is a public French social housing office (Office Public de l'Habitat) established in 1951, managing approximately 20,400 affordable rental units across 200 communes in the Savoie department and selling subsidized homes through its Otrimmo Savoie brand.

Ownership category

akta.pro rank

Product category

Social Housing Services

NAICS

Other Community Housing Services (624229), Other Residential Care Facilities (623990), New Multifamily Housing Construction (except For-Sale Builders) (236116)

SIC

Real Estate Agents & Managers (For Others) (6531), Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

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

akta.pro secondary industries

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Senior & Assisted Living Residential Property Management (BPAJAFAE)

Keywords

• Social housing rental
• Affordable housing services
• Subsidized property sales
• Public housing management
• Social housing construction

Headquarters

HQ city

Chambéry

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Social Housing Rental: OPAC Savoie generates primary revenue from rental income from approximately 20,400 social housing units managed across 200 communes in Savoie. Rents are regulated under French social housing law (PLAI, PLUS, PLS categories) with income-based eligibility requirements.
2. Property Sales (Otrimmo Savoie): The company's property sales brand Otrimmo Savoie sells housing units under various programs: VEFA (off-plan), PSLA (social rent-to-own), BRS (Bail Réel Solidaire land lease), and HLM resales. Prices range from approximately €141,500 for T2 apartments to over €300,000 for larger units.
3. Public Procurement (Construction & Maintenance): OPAC Savoie invests 41M€ annually for building maintenance and energy renovation, procures 93M€ in purchases (2022), and launches approximately 105 consultations annually with 297 markets attributed in 2023. This represents economic activity rather than direct revenue but supports the organization's operational ecosystem.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

OPAC de Savoie is a public social housing office (Office Public de l'Habitat) that manages approximately 20,400 rental housing units across 200 communes in the Savoie department, France, providing affordable rental housing to income-eligible households under PLAI, PLUS, and PLS programs. It also operates the Otrimmo Savoie brand offering subsidized property purchase pathways including VEFA (off-plan), PSLA (Location-Accession), Vente HLM (existing stock), and Bail Réel Solidaire (BRS). The organization constructs 200-300 new dwellings annually, invests 41M€ per year in maintenance and energy renovation, and partners with 2,300 local construction firms.

Product overview

OPAC Savoie operates as a unified platform offering social housing and property services through distinct but interconnected offerings. The core portfolio includes approximately 20,400 social rental housing units across 200 communes (managed via Espace Locataire tenant portal and CALEOL commission-based attribution), supplemented by Otrimmo Savoie branded property sales programs. Property sales encompass four pathways: VEFA on-plan purchases, Location-Accession (PSLA), Vente HLM existing social housing sales, and Bail Réel Solidaire (BRS) land-dissociated ownership. Supporting services include a business portal (Espace Entreprise) managing 2,300+ construction partners, land acquisition services for development, and a dedicated housing application system. The organization constructs 200-300 new dwellings annually with 41 M€ invested in maintenance and energy renovation.

Differentiator

Problem solved

Functional benefit

Brands

• Otrimmo Savoie: The commercial brand of OPAC Savoie dedicated to property sales and home ownership programs, including VEFA, location-accession (PSLA), Vente HLM, and Bail Réel Solidaire (BRS).

Products and services

• Social Housing Rental Services Rental of social housing units across approximately 20,400 dwellings distributed over 200 communes in the Savoie department, allocated to income-eligible households under PLAI, PLUS, and PLS programs. Applications are submitted through the national demande-logement-social.gouv.fr portal and attributed by the CALEOL commission. Tenant-facing services include 24/7 emergency support, the Espace Locataire portal, and territorial antenna-based in-person service.
• Housing Demand Management Service Online housing application intake, annual renewal, situation updates, and eligibility verification against PLAI/PLUS/PLS income thresholds, integrated with the national social housing platform. Provides applicants with a unique registration number valid across all Savoie social housing providers.
• Otrimmo Savoie Property Sales Brand Property sales brand of OPAC Savoie offering below-market homeownership through a 7-step purchase accompaniment process. Encompasses VEFA off-plan purchases, PSLA Location-Accession, Vente HLM (existing social stock), and Bail Réel Solidaire (BRS) pathways. Prices are regulated 20-30% below market rates and include buyback and relocation guarantees for buyers.
• Bail Réel Solidaire (BRS) Housing Program Innovative homeownership scheme dissociating land (foncier) from building (bâti) ownership through ORSOL. Buyers purchase only the dwelling and pay a modest monthly land use fee (redevance, e.g., 1.40€/m²/month), significantly reducing acquisition costs while ensuring perpetual social affordability through resale price controls. T3 from 244,000€ (Bourget du Lac), T4 from 308,000€.
• Location-Accession (PSLA) Housing Program Progressive homeownership program where buyers initially occupy as tenant-buyers paying a predefined redevance (rent + acquisition component) before exercising purchase option within two years. Benefits include reduced VAT (5.5%), property tax exemption for 15 years, regulated sale prices, and annual price reduction of 1% per year of rental.
• VEFA Off-Plan Property Sales Off-plan property purchase allowing acquisition of housing still under construction with guarantees on delivery and conformity. Offers personalization options, reduced notary fees, PTZ (zero-interest loan) eligibility, and security clauses including repurchase and relocation guarantees. Includes 5.5% reduced VAT.
• Vente HLM (Existing Social Stock Resales) Sale of existing social housing properties built or acquired by an HLM organization for at least 10 years, meeting habitability and energy performance standards. Priority given to current HLM tenants in the department, with priority purchase rights for sitting tenants and their family members. T2 from 141,500€, T3 from 196,080€ to 246,580€, T4 houses from 218,900€ to 222,750€.
• Espace Locataire Online Tenant Portal Self-service digital platform enabling OPAC Savoie tenants to submit and track administrative and technical requests with traceability, pay rent by credit card, manage direct debit settings, retrieve documents (payment notices, rent receipts), submit insurance certificates, update personal profiles, and access OPAC Savoie contacts. Accessible at espacelocataire.opacsavoie.fr.
• Espace Entreprise Business Partner Portal Business portal providing access to current procurement consultations, downloadable tender notices and files, Q&A capabilities, and online submission of applications or offers through OPAC Savoie's buyer profile (profil acheteur). Manages relationships with 2,300 partner enterprises in construction, renovation, and maintenance.
• Construction and Energy Renovation Services Building construction, renovation, and maintenance services delivered through 2,300 partner enterprises. Constructs 200-300 new dwellings annually meeting RE2020 energy standards, invests 41M€ per year in maintenance and energy renovation (4,000 energy-inefficient units planned for renovation by 2034), and procures 93M€ in construction-related purchases. Includes eco-neighborhood (Ecoquartier) development with collective wood-pellet heating, photovoltaic panels, and shared gardens.
• Land Purchase Services for Development Service enabling landowners to sell terrain to OPAC Savoie for housing development. Offers attractive conditions including capital gains tax exemption, no suspensive conditions, and payment within 6 months. OPAC acquired 100,000 m² of land from private sellers between 2021-2024.

Quantifiable outcome

• 1 Savoyard in 10 is housed by OPAC Savoie
• +5 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Deltha SavoiecoreStrategic or Co-development Partner · 1 January 2026Deltha Savoie manages the 10-place foyer for aging disabled persons within OPAC Savoie's La Chambre development. Deltha provides specialized care services while OPAC provides the facility infrastructure.
• Unis-CitécoreStrategic or Co-development PartnerPartnership with Unis-Cité service civique volunteers for the Médiaterre program. Volunteers work with OPAC Savoie residents on environmental projects including shared garden creation, supporting social cohesion and sustainable living practices in housing neighborhoods.
• MédiaterreminorStrategic or Co-development PartnerEnvironmental program framework that coordinates environmental education and sustainable practices initiatives in partnership with housing organizations and local authorities.
• Ville de La Motte-ServolexcoreStrategic or Co-development PartnerMunicipal partnership for neighborhood development projects including the shared garden initiative at Les Chantres and the Hameau des Granges ecoquartier development, with mayor Luc Berthoud also serving as OPAC Savoie President.
• Grand ChambérycoreStrategic or Co-development PartnerInter-municipal authority (Métropole) of Chambéry, represented by Vice-President Isabelle Dunod, partner in housing development and community planning initiatives.
• Action LogementcoreStrategic or Co-development PartnerNational housing organization reserving units within OPAC Savoie's portfolio for employees of private companies, providing financial support for employee housing programs, and represented at inaugurations by Armelle Berthomier Véjux.
• ORSOL (Organisme Foncier Solidaire)coreStrategic or Co-development PartnerLand Trust Organization approved by the state, through which Otrimmo Savoie operates its Bail Réel Solidaire (BRS) property sales, enabling reduced-price homeownership by separating land ownership from building ownership.
• La Sasson / Prest'ImmominorChannel Partner/ Reseller/ DistributorHousing management service for Lyon-Turin construction workers, managing furnished rooms in shared arrangements or studios for project employees near Maurienne valley construction sites.

Scale indicators16 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• GrandLyon Habitat:
• Paris Habitat: Paris Habitat (formerly OPAC de Paris) is the public social housing office for the City of Paris, with similar EPIC legal status. It operates an analogous single-territory public housing mandate, offers BRS through its dedicated foncier solidaire arm, and combines rental, accession, and construction procurement — making it the closest legal/structural analog to OPAC Savoie among major French OPHs.
• Erilia: Erilia is a major French social housing ESH with regional subsidiaries across southern France. It provides affordable rental alongside accession programs (including BRS) and partners with local authorities and Action Logement — closely mirroring OPAC Savoie's multi-program model and institutional partnership framework.

Broad incumbents

• 1001 Vies Habitat: 1001 Vies Habitat is a national ESH operating affordable rental and property sales across multiple French regions. It shares the same institutional DNA (Action Logement-linked), the same multi-program approach including accession and BRS, and the same reliance on departmental/local authority partnerships as OPAC Savoie.
• Immobilière 3F: Immobilière 3F is one of France's largest social housing landlords (ESH), managing approximately 250,000+ units nationwide. It offers directly comparable affordable rental and accession pathways and partners with Action Logement on employee housing, mirroring OPAC Savoie's institutional partnership model but at national scale.
• Vilogia: Vilogia is a major French social housing operator managing over 80,000 units across northern and eastern France. It offers the same affordable rental plus accession sociale mix and has invested in BRS programs through its Vilogia Premium brand — directly comparable in product offering to OPAC Savoie's Otrimmo Savoie sales programs.
• CDC Habitat: CDC Habitat is the leading national social housing operator in France, owned by Caisse des dépôts. It manages hundreds of thousands of units across all metropolitan regions and provides a directly comparable mix of affordable rental, accession programs, and BRS — though at vastly greater scale and geographic breadth than OPAC Savoie's single-department footprint.
• ICF Habitat: ICF Habitat is the SNCF-linked national social housing operator managing ~100,000 units. It operates the same model of affordable rental combined with VEFA/BRS-style property sales programs and serves similar employee-housing segments, making it a strong functional comparable despite its broader national footprint versus OPAC Savoie's regional focus.
• Batigère: Batigère is a national federation of HLM companies operating across multiple regions with comparable affordable rental and property accession offerings. Its scale and multi-territory structure position it as a relevant industry peer for understanding OPAC Savoie's competitive positioning within the French social housing ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/opacsavoie
• Xx.com/opacsavoie
• LinkedInlinkedin.com/company/opacsavoie

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 OPAC de Savoie