CD2I

What CD2I does

CD2I (operating as CD2I PARIS XV) is an independent French wealth management firm specializing in tax optimization, retirement planning, and inflation-protected investments for French individual investors. Founded in 1999 and led by Gérant Christophe Dura, the firm operates from headquarters in Paris (15th arrondissement) with an additional presence in Toulouse, supported by 101-250 employees. Its core offering is a portfolio of distinct tax-advantaged investment vehicles — including Loi Malraux (30% tax reduction), SCPI (domestic and international), LMNP (including a secondary-market variant with 6% guaranteed profitability), PER (retirement savings plan), Pinel+ (18% tax reduction), FIP/FCPI funds, Monument Historique, ANRU/PTZ subsidized housing, structured products (4.5-9% returns with capital protection), and traditional instruments such as PEA and Assurance Vie.

The business model is sales-led and human-advisory-driven, with no proprietary technology platform, mobile app, or API. Clients access the firm through scheduled consultations (Calendly online booking) and personalized advisory engagement, with minimum investment tickets ranging from €56,000 (LMNP secondary market) to €140,000 (student housing or Malraux). The firm positions itself as an independent advisor offering impartial advice and earns revenue through advisory fees and product placement commissions across its 15+ investment products. Marketing is conducted through content marketing, downloadable guides, and a blog, targeting French taxpayers seeking to reduce fiscal pressure, supplement retirement income, and hedge savings against inflation.

The competitive moat rests on regulatory specialization in French fiscal frameworks and 24 years of brand presence, rather than on technology or scale advantages. The firm constructs certain products in-house (structured products, international SCPI, indexed bonds) while distributing others through partner providers. There is no indication of external funding, M&A activity, partnerships, or geographic expansion beyond France.

Name

CD2I

Legal name

CD2I

Website

https://cd2iparisxv.fr

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

CD2I is an independent French wealth management firm providing tax optimization, retirement planning, and inflation-protected investment advisory services to French individual investors from offices in Paris and Toulouse, operating through personalized human advisory engagements rather than a technology platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Fabre

HQ country

Canada

HQ region

North America

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. Wealth Management Advisory Fees: CD2I generates revenue through advisory and consulting fees related to wealth management, tax optimization, retirement planning, and investment product placement (Malraux, Pinel, LMNP, SCPI, FIP, structured products, PER). As an independent firm, they provide impartial advice and earn fees or commissions from product providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CD2I is an independent French wealth management firm that sells personalized financial advisory services and tax-optimization investment products to individual clients. Its core offerings include tax reduction vehicles (Loi Malraux, Monument Historique, Pinel+, FIP/FCPI, LMNP), retirement savings plans (PER, Assurance Vie, PEA), real estate investments (SCPI, SCPI Internationale, student and coastal rental property, LMNP secondary market), and in-house constructed structured products and indexed bonds, all delivered through one-on-one advisor consultations.

Product overview

CD2I is an independent wealth management company operating in Paris and Toulouse for 24 years, specializing in profitable investment solutions against inflation. The offering consists of a portfolio of distinct financial and real estate investment products rather than a unified software platform. The core offerings include tax optimization vehicles (LOI MALRAUX with 30% tax reduction, MONUMENT HISTORIQUE, Pinel+ with 18% tax reduction), retirement savings plans (PER, LMNP), real estate investment vehicles (SCPI, SCPI Internationale, LMNP Second Marché with 6% guaranteed returns), investment funds (FIP/FCPI with 18-38% tax benefits), structured products (4.5-9% returns with capital protection), subsidized housing (Loi ANRU with 5.5% VAT/PTZ), and traditional savings instruments (PEA, Assurance Vie). These products are delivered through human advisory consulting rather than a digital platform.

Differentiator

Problem solved

Functional benefit

Products and services

• LOI MALRAUX Tax reduction investment vehicle allowing acquisition of classified historic properties with a 30% direct tax reduction on renovation costs, capped at 400,000 EUR over 4 years, excluded from the fiscal niche ceiling. Targeted at French individual taxpayers seeking Malraux-law tax relief.
• Plan Épargne Retraite (PER) Retirement savings plan with capital accumulation returned at retirement, offering tax advantages on contributions and tax-exempt capital gains, with emergency withdrawal provisions for life events. Targeted at French individual savers building retirement capital.
• SCPI (Société Civile de Placement Immobilier) Real estate investment vehicle allowing investment in property portfolios starting from a few hundred euros, with professional management, rental income, and yields higher than traditional direct Paris real estate. Targeted at individual investors seeking managed real estate exposure.
• SCPI Internationale International SCPI offering geographic and sector diversification of real estate assets, with professional management and potentially higher yields through foreign property investments. Targeted at French individual investors seeking diversified cross-border real estate exposure.
• FIP / FCPI (Fonds d'Investissement de Proximité / Fonds Commun de Placement dans l'Innovation) Local proximity and innovation investment fund providing an 18% tax reduction on invested amounts (capped at 2,160 EUR for singles, 4,320 EUR for couples), with FIP Corse offering 38% tax reduction. The funds invest 60%+ in regional SMEs. Targeted at French individual taxpayers seeking PME-region tax relief.
• LMNP (Loueur Meublé Non Professionnel) Non-professional furnished rental status offering tax optimization through amortization, VAT recovery on managed residences, inflation-indexed rents, and triple-net commercial leases. Targeted at French individual investors building a tax-efficient furnished rental portfolio.
• MONUMENT HISTORIQUE Historic monument tax investment scheme for acquiring classified heritage properties with significant tax advantages, including deduction of renovation and interest expenses from taxable income. Targeted at French individual taxpayers with high tax burdens and interest in heritage property.
• LMNP Second Marché Secondary market furnished rental investment offering 6% guaranteed profitability via a commercial lease (bail commercial), starting from a 56,000 EUR entry ticket, with regular rental income and tax benefits. Targeted at individual investors seeking a low entry point into guaranteed-yield furnished rental.
• Produit Structuré Customizable structured investment combining multiple financial components with potential returns of 4.5% to 9% depending on capital protection levels, offering risk protection with guaranteed minimum capital at maturity. Minimum ticket 100,000 EUR. Targeted at individual investors with 100,000+ EUR seeking inflation-beating returns with capital protection.
• Pinel+ New-build residential tax investment scheme with 18% income tax reduction maintained across all Pinel programs, prices below RE 2020 standards, immediate delivery, and locations across France. Targeted at French individual taxpayers seeking Pinel-law income tax relief.
• Loi ANRU / PTZ & TVA 5,5% Zero-interest loan (PTZ) combined with 5.5% reduced VAT (down from 20%) for purchasing a new primary residence in ANRU priority urban renovation zones, subject to income-based eligibility criteria. Targeted at French first-time primary-residence buyers in qualifying urban renewal zones.
• Immobilier Locatif Étudiant Student rental property investment offering a 140,000 EUR entry point, zero personal contribution, guaranteed rent, a 159 EUR monthly savings effort, and 3,438 EUR income tax reduction. Targeted at individual investors seeking turnkey tax-efficient student housing exposure.
• Immobilier Locatif Littoral Investment in coastal/riviera rental properties across French littoral locations including Côte d'Azur, Brittany, and Normandy, utilizing Pinel, LMNP, Malraux, and Denormadie schemes. Targeted at individual investors seeking tax-advantaged coastal rental property.
• PEA (Plan d'Épargne en Actions) French equity savings plan offering tax exemptions on capital gains for investing in French company shares, held for a qualifying period. Targeted at French individual investors building tax-advantaged equity exposure.
• Assurance Vie Life insurance contract for long-term capital building with tax advantages, flexible contributions, and favorable inheritance treatment. Targeted at French individual savers planning long-term wealth transmission and tax-efficient accumulation.

Quantifiable outcome

• 30% tax reduction through Malraux law (up to €400,000 over 4 years)
• +3 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

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Mon Petit Placement: French online wealth management platform offering SCPI, assurance vie, and stock-based savings products with low entry tickets, targeting the same digitally savvy French retail investors CD2I aims to convert.
• Nalo: French digital wealth manager offering automated, personalized investment portfolios (PEA, assurance vie) for individual savers, addressing the same retirement and inflation protection concerns as CD2I via a robo-advisor model.
• Ramify: French digital private wealth management platform for mass-affluent and HNW clients, offering personalized portfolios, PER, and real-estable access, increasingly competing for the same investor segment as CD2I.

Direct peers

• Perial Asset Management: French SCPI/real-estate wealth manager with a long track record distributing paper-based real estate and tax-optimization products to individual investors, comparable to CD2I's SCPI- and LMNP-led offering.
• Primonial: Independent French wealth management group built around SCPI, real estate, and tax-incentive solutions (Malraux, Pinel, LMNP), directly overlapping CD2I's core product shelf and target client (French individual investors seeking tax and retirement optimization).
• Linxea: French online broker specializing in assurance vie, PEA, PER and SCPI comparison/distribution to individual savers, competing for the same French investor persona that CD2I serves, with a digital rather than advisory delivery model.
• Corum AM: Specialized French SCPI manager (Corum Origin, Corum XL, Corum Eurion) offering high-yield real-estate paper to individual investors, directly comparable to CD2I's SCPI and international SCPI positioning.

Broad incumbents

• La Française Group: Larger, multi-affiliate French asset and wealth manager offering SCPI, real estate, fixed income, and tax-optimized solutions through advisor channels, broader in scale but overlapping CD2I's product mix and customer base.
• BNP Paribas Wealth Management: Major French private bank with a broad wealth management offering including structured products, SCPI, and tax-incentive vehicles, dominating the brand-aware segment of the same French individual-investor market CD2I targets.
• SwissLife Banque Privée: French life insurance and wealth management arm of SwissLife, a major incumbent distributing PER, assurance vie, and structured solutions via advisors and partner networks, broadly competing with CD2I's PER/Assurance Vie and structured-product offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/cd2i-occitanie

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CD2I