Aquilogia Heritage

What Aquilogia Heritage does

Aquilogia Patrimoine (also referenced as Aquilogia Heritage) is an independent wealth management and financial advisory firm headquartered at 101 rue Fondaudège in Bordeaux, France. Founded in 2011 as a Société par Actions Simplifiée (SAS) with €105,260 of share capital, the firm operates as a Conseiller en Gestion de Patrimoine (CGP) serving individual clients and, to a lesser extent, business owners across the Nouvelle-Aquitaine region. It holds an unusually broad set of French regulatory registrations: CIF (Conseil en Investissements Financiers) n°MB9843LAJO via the CNCGP under AMF supervision, ORIAS n°11061819 covering insurance intermediation (under ACPR) and banking/payment brokerage (IOBSP), and Carte T n°3301 2017 000 017 614 from CCI Bordeaux for real estate transactions, with professional liability insurance up to €3.5M per claim and financial guarantees of €110-115k per regulated activity.

The firm's product and service offering is structured around a curated 'open architecture' shelf rather than captive products. Core financial products include SCPI (real estate investment vehicles), assurance-vie, PER (retirement savings), PEA, private equity, structured products, FIP/FCPI, crowdfunding immobilier, comptes-titres, and capitalization contracts. Real estate tax-incentive offerings span Loi Malraux, Denormandie, LMNP, Déficit Foncier, Loi Monuments Historiques, Girardin Industriel, and forestry investments (GFI). Employee-benefit plans (PEE, PERCO) and corporate treasury solutions round out the catalog. Advisory is delivered through free discovery meetings, optional comprehensive patrimonial audits, and ongoing portfolio follow-up. The firm does not disclose a proprietary technology platform; operations rely on standard financial-planning and CRM tools, supplemented by website, email, and social media channels (Facebook, Instagram, LinkedIn) plus an active blog.

Commercially, Aquilogia functions as a sales-led, consultative advisory practice with no disclosed pricing for advisory fees. Revenue is generated through transaction commissions on placements with product providers (insurance carriers, SCPI managers, banks) and, selectively, fees on patrimonial audits. Customer acquisition is predominantly word-of-mouth, supplemented by content marketing and SEO; the firm claims 2,000+ clients and a 5.0/5 rating across 218 verified Google reviews. Key partners include CORUM Asset Management (SCPI), MMA Entreprises (insurance/RCP), BPSO/BNP Paribas (banking), Sezame (property leasing), and La Compagnie Française de la Cryptomonnaie (digital assets).

Name

Aquilogia Heritage

Legal name

AQUILOGIA PATRIMOINE

Website

https://aquilogia-patrimoine.fr

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Aquilogia Patrimoine is an independent, regulated French wealth management (CGP) firm in Bordeaux, founded in 2011, serving 2,000+ individual and business-owner clients across Nouvelle-Aquitaine with advisory, SCPI, assurance-vie, PER, and tax-incentive real estate products on an open-architecture basis.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

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

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Estate Planning & Trust Structuring Advisory (FSAEAKAC), Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Wealth management advisory
• Tax optimization planning
• Retirement planning services
• Real estate investment
• Estate transmission planning

Headquarters

HQ city

Bordeaux

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, Others

Revenue model

1. Financial product commissions: Aquilogia Patrimoine, as an independent financial advisor (CIF/CGP), earns commissions from financial product providers (insurance companies, SCPI management companies, banks) when clients subscribe to products such as assurance-vie, SCPI, PER, Private Equity, Girardin industriel, and other investment solutions. This is a standard commission-based model for independent wealth advisors in France.
2. Patrimonial advisory and audit fees: The firm offers patrimonial audits which may be offered free of charge or billed depending on complexity and time invested. Advisory services for retirement planning, tax optimization, real estate investment, and business optimization constitute the primary value delivered to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Aquilogia Patrimoine is an independent wealth management advisory firm based in Bordeaux that delivers personalized patrimonie strategies spanning tax optimization, retirement planning, real estate investment, financial investment, and estate transmission. The firm recommends and distributes third-party financial products (assurance-vie, SCPI, PER, PEA, private equity, structured products) and tax-incentive real estate vehicles (Loi Malraux, Denormandie, LMNP, Girardin industriel), earning commissions from partner providers. Its proprietary deliverable is the comprehensive "Audit Patrimonial", a diagnostic that produces a personalized roadmap of assets, risk tolerance, and investment horizons.

Product overview

Aquilogia Patrimoine is an independent wealth management advisory firm offering a comprehensive suite of financial and real estate investment products. The firm provides financial products including SCPI, life insurance (Assurance-vie), retirement savings (PER), Private Equity, PEA, and investment accounts, alongside real estate tax optimization solutions such as Loi Malraux, Denormandie, LMNP, and Déficit Foncier. The portfolio also includes employee savings plans (PEE, PERCO), forestry investments (GFI), and structured products. Services are delivered through personalized advisory consultations and comprehensive wealth audits, positioned as a one-stop shop for financial planning, tax optimization, retirement preparation, and estate planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Audit Patrimonial (Comprehensive Wealth Audit) Firm's proprietary advisory service providing a comprehensive wealth diagnostic that creates a personalized roadmap for client assets, risk tolerance and investment horizons. Offered free or billable depending on complexity.
• SCPI (Sociétés Civiles de Placement Immobilier) Real estate investment vehicle allowing investors to own shares in professionally managed property portfolios, generating regular rental income and potential capital appreciation. Distributed through partner SCPI managers such as CORUM Asset Management.
• Assurance-vie (Life Insurance) Savings contract combining euro funds (capital guaranteed) and units of account (market-linked) for wealth building, retirement preparation and estate planning with favorable taxation. Distributed from partner insurance providers.
• PER (Plan Épargne Retraite) Retirement savings plan with tax-deductible contributions and flexible withdrawal options, reformed under the PACTE law for increased flexibility.
• Private Equity Investment in non-listed companies offering higher return potential, traditionally reserved for institutional investors but now accessible to qualified individual investors.
• Loi Malraux Tax-advantaged investment in classified or registered historic buildings requiring renovation, offering powerful tax deductions beyond standard ceilings.
• Denormandie Tax incentive for purchasing old properties requiring renovation in qualifying urban areas, with tax reductions up to 21% for rental investment.
• LMNP (Loueur en Meublé Non Professionnel) Non-professional furnished rental status providing favorable taxation through amortization deductions, suitable for rental property investments.
• Girardin Industriel Overseas DOM-TOM investment providing immediate tax reduction starting from €2,500 of taxes owed, with early-year timing requirements.
• Crowdfunding Immobilier Collective real estate financing platform enabling investment in property projects with attractive yields, short-term placements and accessibility.
• PEA (Plan d'Épargne en Actions) Regulated savings account for investing in European equities with tax advantages including capital gains exemptions after 5 years holding period.
• Contrat de Capitalisation Capitalization contract similar to life insurance but held by legal entities, offering performance, management flexibility and tax advantages.
• Compte-titres (Securities Account) Securities account providing unrestricted access to financial markets for investing in stocks, bonds and thematic funds without contribution limits.
• FIP/FCPI (Proximity Innovation Fund / Innovation Capital Investment Fund) Tax-advantaged funds providing tax reductions through investments in local SMEs (FIP) and innovative companies (FCPI).
• PEE (Plan d'Épargne Entreprise) Company savings plan allowing employees and small business directors to build medium-term savings with employer contributions and tax advantages.
• PERCO (Plan Épargne Retraite Collectif) Collective retirement savings plan combining performance, tax and social advantages, flexibility, and HR retention benefits.
• GFI (Groupement Forestier d'Investissement) Forestry investment allowing individuals and companies to invest in French forests for diversification, environmental preservation, and tangible heritage.
• Déficit Foncier Tax strategy allowing property investors to reduce income tax by deducting renovation costs from rental income, creating immediate tax benefits.
• Loi Monuments Historiques Investment in classified historic properties combining cultural preservation with powerful tax advantages among the strongest in the real estate market.
• Produits Structurés Structured products combining potential returns with partial capital protection, suitable for portfolio diversification in uncertain market conditions.
• Compte-titres d'Entreprise Corporate securities account for managing company treasury through diversified investments in bonds and equities with professional portfolio management options.

Quantifiable outcome

• 218 verified client reviews with a 5/5 Excellent rating on Google (Trustindex verified)
• +2 more outcomes

Named customers7 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

Partnerships

Seven partnerships are on record, tiered minor.

• Lodge ImmobilierminorStrategic or Co-development PartnerLocated at 48 Allée des Peupliers, 33000 Bordeaux. Listed as a commercial partner of AQUILOGIA PATRIMOINE in the privacy policy annex. Nature of partnership involves commercial collaboration for property investment services.
• La Compagnie Française de la CryptomonnaieminorStrategic or Co-development PartnerLocated at 68 rue Fondaudège, 33000 Bordeaux. Listed as a commercial partner in the privacy policy annex. Partnership for cryptocurrency and digital asset-related wealth management solutions.
• Immo LocminorStrategic or Co-development PartnerLocated at Immeuble le Premium, 2 Impasse des mûriers, 33700 Mérignac. Listed as a commercial partner in the privacy policy annex. Property management and rental services partner.
• BPSO / BNP ParibasminorChannel Partner/ Reseller/ DistributorBPSO (Banque Populaire du Sud-Ouest) / BNP Paribas listed as banking partners for IOBSP activities. Provides mortgage and banking product access for clients under advisory services.
• MMA EntreprisesminorOthersInsurance partner providing Professional Liability Insurance (RC Professionnelle) and Financial Guarantee (Garantie Financière) coverage. Policy number: 112786342/228362. Covers all regulated activities (CIF, IAS, IOBSP, IMMO).
• CORUM Asset ManagementminorStrategic or Co-development PartnerCORUM Asset Management is a prominent SCPI management company. Aquilogia recommends CORUM SCPI products (CORUM Origin, CORUM XL, CORUM Eurion) to clients. CORUM L'Épargne has collected over €6 billion from 80,000 investors. The partnership involves product distribution and client recommendation.
• SezameminorStrategic or Co-development PartnerSezame is a property leasing (location-accession / LOA) platform. Aquilogia recommends Sezame to clients seeking to become property owners without traditional mortgage requirements. The partnership enables access to leasing immobilier solutions in the Bordeaux market.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Nénuphar Patrimoine: Independent French CGP offering personalized wealth management, tax optimization, and real estate investment advice. Closely comparable to Aquilogia on size, independent open-architecture model, and focus on private clients seeking SCPI, assurance-vie, and Loi Malraux-type solutions.
• Klech Conseils: Independent French wealth advisory firm (CGP) focused on tax optimization, retirement planning, and real estate investment for private clients. Highly comparable offering to Aquilogia across assurance-vie, PER, SCPI, and Loi Malraux/Déficit Foncier advisory.
• UFF (Union Financière de France): Large French independent wealth advisory network (subsidiary of Société Générale) offering personalized patrimonial advice and financial product distribution. Operates the same 'architecture ouverte' CGP model with similar CIF/Orias registrations as Aquilogia.
• Magnacarta Patrimoine: Independent French wealth management advisor offering personalized patrimonial strategies, tax optimization, and financial investment products. Comparable CGP model with similar CIF/IAS registrations and a comparable SMB/private-client focus.
• Bourse des Crédits: French wealth advisory and mortgage brokerage firm with a network of CGPs and courtage en opérations de banque. Directly comparable to Aquilogia on the IOBSP and wealth advisory dimensions, with similar target clientele and Bordeaux/Nouvelle-Aquitaine regional coverage.
• Cyrus Conseil: Independent French wealth management advisory group (CGP) offering multi-product wealth advisory across France. Comparable to Aquilogia in business model (open architecture, commission + advisory fees), regulatory profile (CIF/IAS/IOBSP), and target client (private individuals, entrepreneurs).
• Conseil Plus Patrimoine: Independent French CGP providing open-architecture wealth advisory, tax optimization, and insurance/retirement solutions. Operates the same open architecture model with comparable regulatory registrations to Aquilogia.
• Big Expert: Network of independent wealth management advisors (CGP) in France providing CIF/Orias-regulated advisory. Comparable business model and regulatory footprint, with a network structure that contrasts with Aquilogia's single-boutique approach.

Broad incumbents

• BNP Paribas Wealth Management: Private banking arm of BNP Paribas offering wealth advisory, investment, and estate planning services across France and globally. Overlaps with Aquilogia's offering but at much larger scale, with a captive product universe rather than independent open-architecture positioning.

Emerging players

• Nalo: French wealthtech offering automated, fee-based investment advisory and life insurance wrappers online. Represents an emerging digital alternative to traditional CGPs like Aquilogia, targeting younger mass-affluent clients with a transparent fee model rather than commission-driven product placement.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/aquilogia-patrimoine-bordeaux
• Instagraminstagram.com/aquilogia_patrimoine
• Xx.com/Aquilogia

Compliance13 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Aquilogia Heritage