Centre du Patrimoine

What Centre du Patrimoine does

Centre du Patrimoine is an independent French wealth management advisory firm (CGPI) founded in 2002 by Jean-Olivier Ousset and Hélène Barraud-Ousset, headquartered at 9 rue d'Alsace Lorraine in Toulouse. Operating as a SARL with €449,628 in share capital, the firm serves more than 400 families across France with a holistic 360° heritage advisory model that begins with a comprehensive bilan patrimonial (wealth audit) and extends to retirement planning, investment solution selection, tax optimization, estate transmission, and mortgage brokerage. The firm holds multi-category ORIAS registration (insurance broker, MIOBSP, CIF under CNCGP/AMF oversight) and a CCI-issued carte professionnelle, and explicitly positions its capital-independence from banks and insurers as a core differentiator.

The product portfolio comprises five integrated service lines — Bilan Patrimonial, Bilan Retraite, Solutions d'Investissement, Gestion de Patrimoine Chef d'Entreprise, and mortgage brokerage via the Solucredit sub-brand — supplemented by Epargnissimo, a wholly-owned online brokerage subsidiary redesigned in 2022. Underlying technology is limited to client-facing dynamic tracking tools that allow households to monitor heritage strategies and investments in real time; there is no disclosed proprietary AI/ML infrastructure, app, or API surface. The firm operates from a single physical office with extended advisory coverage into Côte Basque, Paris, and a Portuguese expatriate niche.

Revenue is generated through three streams: (1) advisory and consulting fees on a subscription/recurring basis for ongoing patrimonial and retirement advisory, (2) retrocessions and commissions on recommended insurance, investment fund, and real estate products, and (3) transaction-based mortgage brokerage commissions via Solucredit. Pricing is quote-based and not publicly disclosed. The go-to-market is sales-led and relationship-driven, anchored in independent advice and a family office tradition; distribution is exclusively direct (no third-party channels), with brand-building supported by press coverage in Paris Match, Le Parisien, Marie Claire, and Madame Figaro, plus webinars and pedagogical content. Headcount is 7 (including 3 partners), and the firm has reported +60% revenue growth over a two-year window.

Name

Centre du Patrimoine

Legal name

Centre Du Patrimoine

Website

https://centrepatrimoine.fr

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Centre du Patrimoine is an independent French wealth management advisory firm (CGPI) founded in 2002 in Toulouse, serving 400+ families across France with holistic patrimonial planning, retirement advisory, investment solutions, tax optimization, and mortgage brokerage via its Solucredit and Epargnissimo subsidiaries.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industries

Estate Planning, Trust Structuring & Governance (FSAAADAF), Estate Planning & Trust Structuring Advisory (FSAEAKAC), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Wealth management advisory
• Estate planning services
• Retirement planning
• Investment advisory
• Mortgage brokerage

Headquarters

HQ city

Toulouse

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory and consulting fees: Fees for comprehensive heritage analysis, retirement planning, investment strategy, and ongoing wealth management advisory services
2. Commissions on financial products: Retrocessions and commissions from recommended financial products including insurance, investment funds, and real estate solutions
3. Solucredit mortgage brokerage: Commission-based mortgage brokerage through Solucredit brand operating as independent advisors

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Centre du Patrimoine is an independent wealth management firm that provides comprehensive heritage (bilan patrimonial), retirement planning (bilan retraite), and investment advisory services to families and business owners, operating without capital ties to banks or insurance companies. The firm delivers holistic 360° wealth strategy advice, investment product selection, tax optimization, and estate succession planning, complemented by an independent mortgage brokerage service (Solucredit) and an online savings broker subsidiary (Epargnissimo).

Product overview

Centre du Patrimoine operates as an independent wealth management advisory firm offering a unified platform of advisory services centered on a comprehensive heritage assessment (bilan patrimonial). The core portfolio comprises five integrated service lines: the foundational Bilan Patrimonial for overall wealth analysis, Bilan Retraite for retirement planning, mortgage brokerage through its Solucredit sub-brand, Solutions d'Investissement for investment product selection, and specialized Gestion de Patrimoine Chef d'Entreprise for business owners. The firm also operates Epargnissimo, an online brokerage subsidiary. Services are delivered through independent advisors providing impartial recommendations without capital ties to banks or insurance companies, following a traditional family office approach.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilan Patrimonial

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered minor and core.

• Jazz en CommingesminorGTM or Marketing Partner · 1 January 2011The Centre du Patrimoine has been a partner of the Jazz en Comminges festival since 2011. This cultural sponsorship supports the saxophone meetings in Saint-Gaudens, which has become an essential jazz event at the foot of the Pyrenees.
• Master 2 Ingénierie du Patrimoine - Université Toulouse CapitolecoreStrategic or Co-development PartnerPartnership with the specialized Master's program in heritage engineering at Toulouse Capitole University. The Centre du Patrimoine contributes a portion of its apprenticeship tax to support this training program focused on comprehensive heritage management with emphasis on civil law techniques.
• Toulouse Business SchoolcoreStrategic or Co-development PartnerPartnership with TBS, one of the few French business schools with triple accreditation (EQUIS, AMBA, AACSB). The Centre du Patrimoine contributes a portion of its apprenticeship tax to support TBS education and cooperates on scientific collaborations with the institution.
• H24 CampuscoreStrategic or Co-development PartnerJean-Olivier Ousset was appointed Director of Pedagogical Strategy at H24 Campus in June 2025. This new training center, born from the alliance between Capimoniale and H24 Finance, represents a new benchmark in wealth management training, offering innovative training programs aligned with regulatory developments.
• EpargnissimocoreOthersEpargnissimo is an online broker and subsidiary of Centre du Patrimoine. Jean-Olivier Ousset leads both companies. In 2019, convergence of offers and services between Centre du Patrimoine and Epargnissimo was initiated. Epargnissimo underwent a website redesign in 2022.
• EOS AllocationscoreStrategic or Co-development PartnerEOS Allocations collaborates with Centre du Patrimoine on investment solutions and joint webinars ('Live Parlons Finance'). The two companies have partnered on the EOS Réactif fund, created according to strict specifications with quarterly investment committees.
• Club des Entrepreneurs CGPcoreGTM or Marketing PartnerJean-Olivier Ousset became President of the Club des Entrepreneurs CGP in June 2025. This club affirms its role as a space for independent, demanding, and forward-looking exchanges for wealth management advisor leaders and entrepreneurs.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Nalo: French digital wealth manager offering automated, personalized investment advisory and life-project planning (retirement, real estate, transmission). Comparable as it competes for the same affluent clients seeking modern heritage and investment solutions, but via a fully digital model.
• Linxea: Leading French online broker specializing in life insurance, PEA, and retirement savings products. Comparable as a distribution channel for the financial products Centre du Patrimoine recommends, and as a low-cost competitor for routine savings products.

Broad incumbents

• KBL Richelieu: Private banking and wealth management arm of the KBL European group serving French HNW clients. Comparable in wealth advisory services for affluent families, but operates at greater scale with broader institutional infrastructure.
• Primonial (now part of Alderan): One of France's largest independent wealth management groups, serving private clients with advisory, asset management, and real estate solutions. Comparable in serving the French HNW segment across the same heritage, retirement, and investment themes, but at materially greater scale.
• Boursorama Banque: Major French online bank and broker offering investment, savings, and life insurance products at low cost. Comparable as a competitor for the same affluent self-directed client segment and as a reference point for digital wealth service benchmarks.

Direct peers

• Largillière Finance: Independent French wealth management firm providing global patrimonial advisory to families and entrepreneurs. Comparable in its independent, family-office-style positioning and comprehensive service offering across heritage, investment, and real estate financing.
• Meeschaert: Long-established French independent family office and wealth manager serving private clients with heritage, investment, and transmission services. Comparable as a multi-decade independent advisor combining family-office ethos with multi-generational client relationships.
• Conseil & Patrimoine: French independent patrimonial advisory firm providing heritage audit, investment, retirement, and real estate financing services to private clients. Comparable in its small-team, relationship-driven independent CGP model with regional roots.
• Cyrus Conseil: Major French independent wealth management advisory firm (CGPI) offering comprehensive patrimonial, retirement, and investment advisory services to private clients. Directly comparable as a multi-region independent CGP with a similar holistic 360° approach.
• Financo / Patrimmofi: French independent wealth management advisory firm focused on private clients and business owners. Comparable in its independent CGP positioning, holistic heritage audit, and integrated retirement/estate/tax optimization offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/centrepatrim
• Facebookfacebook.com/centrepatrimoine

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 Centre du Patrimoine