INTENCIAL Patrimoine

What INTENCIAL Patrimoine does

INTENCIAL Patrimoine is a France-based B2B wealth management distribution platform operating in an open-architecture model. It serves more than 3,165 independent wealth management advisor cabinets (Conseillers en Gestion de Patrimoine, or CGP) across France, providing consolidated access to life insurance and capitalization contracts (5 insurers, 13 contracts, €9.4B AUM as of October 2024), individual and collective retirement savings (€675M AUM), banking and securities services via 3 account keepers and 9,000+ investment supports (€3.2B AUM), SCPI real estate investments through 28 management companies and 62 products (€1.1B AUM), private equity and forestry products (€80M AUM), and employee savings (€1.4B AUM). The platform is structured as a digital infrastructure combining an Espace Partenaire extranet for advisors, an Espace Client portal for end-investors, and proprietary digital tools including ACT'IN (SCPI workflow automation), a global consolidated dashboard, multi-activity collection reporting, and product comparators/simulators. Total assets under management reached €13.7B as of February 2025 with 2024 collection of €1.75B.

The company is a wholly-owned subsidiary of Groupe APICIL, the third-largest social protection group in France (paritarian and mutualist, €3.3B revenue, 2,285 employees). INTENCIAL Patrimoine was created in 2016 following the acquisition of Skandia's French activities, and in February 2025 unified with ALPHEYS (originally Finaveo Partenaires and CD Partenaires, in which APICIL took a 40% stake in 2019 and 100% in 2024) under the single INTENCIAL Patrimoine brand. It is registered with ORIAS as an insurance and banking broker and is subject to ACPR prudential supervision, and acts as a tied agent of Gresham Banque for investment and payment services.

INTENCIAL Patrimoine earns revenue primarily through distribution fees and commissions paid by insurance companies, banks, and asset managers for routing their products through its 3,165+ advisor network, supplemented by partnership and licensing fees. The go-to-market combines six regional field sales teams (Sud-Ouest, Sud-Est, Nord-Est, Ile-de-France, Grand-Ouest/Normandie, Centre/AURA) with digital partner engagement, industry event presence (notably Patrimonia and the Pyramides de la Gestion de Patrimoine awards), and a formal partnership convention model. The platform serves two interconnected customer segments: CGP advisors (primary) and product manufacturers/insurers (secondary), with the open-architecture design and consolidated reporting intended to reduce advisor administrative burden and broaden the distribution reach of product providers.

Name

INTENCIAL Patrimoine

Legal name

INTENCIAL Patrimoine

Website

https://intencial.fr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

INTENCIAL Patrimoine is a French B2B open-architecture wealth management distribution platform serving 3,165+ advisor cabinets with consolidated access to life insurance, retirement, banking, SCPI, and private equity products from 280+ asset management partners, wholly owned by Groupe APICIL.

Ownership category

akta.pro rank

Product category

Wealth Management Distribution Platform

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Wealth management platform
• Open architecture distribution
• Life insurance products
• Retirement savings solutions
• SCPI real estate investment

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Distribution fees and commissions: INTENCIAL Patrimoine operates as a B2B distribution platform earning commissions from insurance companies, banks, and asset management companies for distributing their financial products (life insurance, retirement savings, banking products, SCPI, private equity) to wealth management professionals. The platform acts as an intermediary between product providers (assurers, banks, asset managers) and financial advisors (CGP).
2. Partnership and licensing fees: Revenue generated from partnership arrangements with financial product manufacturers who access the distribution network of 3,165+ wealth management cabinets.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

INTENCIAL Patrimoine operates a B2B open-architecture distribution platform that aggregates and distributes a comprehensive range of savings, insurance, banking, and investment products to over 3,165 wealth management professionals (CGP) across France. The platform provides access to life insurance (5 insurers, 13 contracts, €9.4B AUM), retirement savings, banking products, SCPI, private equity, and employee savings through dedicated partner and client portals, supported by digital tools such as the ACT'IN SCPI investment platform.

Product overview

INTENCIAL Patrimoine is a B2B wealth management distribution platform in open architecture, serving over 3,165 wealth management cabinets across France. The platform, part of the APICIL Group (3rd largest social protection group in France), aggregates and distributes a comprehensive range of savings, insurance, banking, and investment products through a unified digital infrastructure. The core product portfolio centers on INTENCIAL Libéralys Vie (flagship life insurance), INTENCIAL Libéralys Retraite (retirement savings), and the ACT'IN digital tool for SCPI investments, complemented by APICIL EuroFlex (dynamic euro fund), and spans product categories including life insurance/capitalization (5 insurers, 13 contracts, €9.4B AUM), retirement savings (€675M AUM), banking (3 account keepers, 9,000+ supports, €3.2B AUM), SCPI (28 management companies, €1.1B AUM), private equity (23 supports, €80M AUM), and employee savings (€1.4B AUM). The platform delivers its offerings through dedicated partner and client portals, providing wealth management advisors with consolidated access to products, reporting, simulation tools, and subscription capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• INTENCIAL Libéralys Vie
• INTENCIAL Libéralys Retraite Individual retirement savings plan (PERin) enabling savers to build retirement capital with flexible exit options (capital, annuity, or combination) and access to over 500 units of account across all asset classes.
• ACT'IN Digital tool developed by INTENCIAL Patrimoine that centralizes and automates administrative procedures for SCPI investments, offering a streamlined user journey for wealth management advisors and their clients.
• APICIL EuroFlex Dynamic euro-denominated fund integrated within INTENCIAL contracts, designed to seek performance in current economic conditions through an innovative and diversified allocation strategy.
• Assurance-vie et capitalisation (France et Luxembourg) Life insurance and capitalization offering with 5 insurers, 13 contracts, and 9.4 billion euros in assets under management (data as of October 21, 2024).
• Épargne retraite (individuelle et collective) Individual and collective retirement savings plans with 1 insurer and 675 million euros in assets under management.
• Banque Banking solutions through 3 account keepers (COPARTIS, GRESHAM Banque, QUINTET) with 9,000+ available investment supports and 3.2 billion euros in assets under management (data as of November 30, 2024).
• SCPI (Société Civile de Placement Immobilier) Real estate investment trusts available in nominative form, with 28 management companies, 62 SCPI products, and 1.1 billion euros in assets under management.
• Private equity et GFI-GFV Private equity and agricultural/forestry investment group products offering 11 management companies, 23 investment supports, and 80 million euros in assets under management.
• Épargne salariale Employee savings solutions with 2 account keepers and 1.4 billion euros in assets under management.
• Espace Partenaire (Extranet) B2B partner portal providing access to INTENCIAL's platform for insurance, banking, and nominative products. Includes dedicated pathways for APICIL Insurance-Banking partners and external insurance-nominative (SCPI and diversification) partners, as well as a Structurers' portal for listing structured products.
• Espace Client Client portal for end-investors to access their investments made through wealth management advisors. Offers separate login paths for APICIL or Banking (Gresham/Copartis) clients versus external insurer, SCPI, or nominative clients.

Quantifiable outcome

• 13.7 billion euros in assets under management
• +3 more outcomes

Named customers12 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

16 partnerships are on record, tiered core and minor.

• ALPHEYS (formerly Finaveo Partenaires and CD Partenaires)coreStrategic or Co-development Partner · 1 January 2019APICIL initially acquired 40% of ALPHEYS capital in 2019. In 2024, APICIL acquired 100% of ALPHEYS capital. The merger was completed in February 2025, unifying INTENCIAL and ALPHEYS under the INTENCIAL Patrimoine brand.
• EquitimminorStrategic or Co-development PartnerAsset management company listed as a trusted partner whose products are distributed through the INTENCIAL platform.
• AmplegestminorStrategic or Co-development PartnerAsset management company listed as a trusted partner whose products are distributed through the INTENCIAL platform.
• La FrançaiseminorStrategic or Co-development PartnerAsset management company listed as a trusted partner whose products are distributed through the INTENCIAL platform.
• Natixis Investment ManagersminorStrategic or Co-development PartnerAsset management company listed as a trusted partner whose products are distributed through the INTENCIAL platform.
• Fidelity InternationalminorStrategic or Co-development PartnerAsset management company listed as a trusted partner whose products are distributed through the INTENCIAL platform.
• SwissLife Asset ManagerminorStrategic or Co-development PartnerAsset management company listed as a trusted partner whose products are distributed through the INTENCIAL platform.
• Generali InvestmentsminorStrategic or Co-development PartnerAsset management company listed as a trusted partner whose products are distributed through the INTENCIAL platform.
• Gresham BanquecoreChannel Partner/ Reseller/ DistributorINTENCIAL Patrimoine acts as a tied agent (agent lié) of Gresham Banque for investment services and payment services. Banking partner providing custody and account management services (teneur de compte) for securities accounts. Capital: €8,997,634. RCS Paris 341 911 576.
• COPARTIScoreChannel Partner/ Reseller/ DistributorBanking partner (teneur de compte) for custody and securities account management services, alongside Gresham Banque and Quintet.
• QuintetcoreChannel Partner/ Reseller/ DistributorBanking partner (teneur de compte) for custody and securities account management services, alongside Gresham Banque and COPARTIS.
• 5 assureurs (France et Luxembourg)coreChannel Partner/ Reseller/ DistributorLife insurance and capitalization providers offering 13 contracts with €9.4 billion in assets under management. Includes French and Luxembourg-based insurers.
• 28 sociétés de gestion SCPIcoreChannel Partner/ Reseller/ DistributorReal estate investment management companies offering 62 SCPI (Real Estate Investment Trusts) products in nominative form with €1.1 billion in assets.
• 11 fournisseurs Private equity / GFI-GFVcoreChannel Partner/ Reseller/ DistributorPrivate equity providers offering 23 investment supports with €80 million in assets under management.
• Cercle HubsysminorStrategic or Co-development PartnerMedia partner that publishes articles about INTENCIAL's digital tools including the ACT'IN platform for SCPI investments, through its Gestion & Patrimoine media channel.
• Chambre Nationale des Conseils en Gestion de Patrimoine (CNCGP)minorChannel Partner/ Reseller/ DistributorProfessional chamber of wealth management advisors. INTENCIAL Patrimoine acts as an adherent for COA, COBSP, and MOBSP activities within this professional organization.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Fundshop: French B2B financial product platform aggregating funds, life insurance, and structured products for distribution by independent wealth advisors and CGPs — directly comparable to INTENCIAL's open-architecture value proposition.
• Harvest: French fintech providing software, tools, and digital infrastructure specifically designed for wealth management advisors (CGPs). Highly comparable as a B2B technology and services platform serving the same independent advisor ecosystem.
• Primonial: Major French wealth management platform offering open-architecture insurance, SCPI, and asset management products through independent advisors (CGPs). Highly comparable B2B distribution model with similar product breadth and CGP-centric GTM.
• UAF Life Patrimoine: Open-architecture life insurance and wealth platform serving independent wealth advisors in France, with similar aggregation of multiple insurer partners for distribution through CGPs.

Broad incumbents

• La Française Group: La Française is a listed INTENCIAL partner asset manager and operates its own wealth management and CGP distribution platform through subsidiaries, competing for partner relationships and offering overlapping SCPI, life insurance, and asset management products.
• Cardif (BNP Paribas): BNP Paribas Cardif is the life insurance and personal protection arm of BNP Paribas, distributing life insurance and retirement savings through partner networks — including BNP Paribas Privalto (an INTENCIAL partner) — competing for the same CGP distribution relationships.
• SwissLife France: SwissLife Asset Manager is a listed INTENCIAL partner, and the broader SwissLife France group operates a comparable multi-channel wealth and life insurance distribution platform serving CGPs and affluent clients in France.
• Generali Wealth & Asset Management France: Generali Investments is a listed INTENCIAL partner, and the Generali France group operates a parallel wealth and life insurance distribution platform with similar insurance/asset management offerings for the French CGP channel.
• Société Générale Private Banking (France): Major French private bank with comprehensive wealth management offerings, including life insurance wrappers and open-architecture products distributed through partner networks, serving the same affluent/mass-affluent client base as INTENCIAL's CGP partners.

Emerging players

• Nalo: French digital wealth manager offering life insurance and managed portfolios directly to end-clients. Represents the emerging direct-to-consumer competitive threat that could disintermediate traditional CGP-anchored distribution models like INTENCIAL's.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCB8eQwU2990JrtV5MIe73Bw
• LinkedInlinkedin.com/company/intencial
• Xx.com/intencial_fr

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 INTENCIAL Patrimoine