What Gestiondepatrimoine.com does

Gestiondepatrimoine.com is the trading name of Bonjour Développement, a French SARL founded in 2003 and headquartered in Toulouse, operating a content-led wealth management advisory platform for affluent individuals (assets from €20,000 to over €2,500,000) and business owners. The firm delivers personalized CGP (Conseiller en Gestion de Patrimoine) advisory services through its fully-licensed subsidiary Bonjour Patrimoine, covering the full wealth stack: financial investments (PER, assurance-vie, PEA, capitalization contracts), real estate (LMNP, LMP, SCPI, OPCI, SCI, Pinel, Denormandie, Censi-Bouvard), tax optimization (Girardin Industriel, IFI, holding structures, Pacte Dutreil, Madelin, employee savings, key person insurance), and complementary themes (expatriation, family transmission, retirement).

The technical platform is a 15+-year pedagogical website functioning as both client education engine and lead-qualification funnel. It hosts articles, downloadable guides, video content (Notre TV), webinars, and interactive tools including a succession rights calculator, donation calculator, real estate capital gains simulator, loan insurance comparator, and an investor profile questionnaire. Incoming leads are filtered through an objective and financial-situation questionnaire (asset band, income band, annual income tax) that pre-qualifies them for a bilan patrimonial (comprehensive assessment across fiscal, financial, legal, and insurance dimensions) before advisor contact.

The business model is a content-led professional services model executed through a regulated advisory perimeter. Revenue derives from fees for personalized wealth advisory services — pricing not publicly disclosed — converted via the inbound content funnel and delivered by ORIAS-registered (07 002 919, 07 008 066), CIF-authorized, and CNCGP-member advisors operating from Toulouse and a Saint Maur des Fossés (Paris region) office. The firm explicitly declares independence from any financial institution (no capital links) and supports its advisory work through partnerships with Testamento (digital wills) and Cabinet d'avocats Denis Guillen (business/tax law).

Name

Gestiondepatrimoine.com

Legal name

Bonjour Développement

Website

https://gestiondepatrimoine.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

French CGP (Conseiller en Gestion de Patrimoine) advisory firm operating a content-led wealth management platform for HNWIs and business owners across financial, real estate, tax, retirement, and estate-planning dimensions, delivered via fully-regulated subsidiary Bonjour Patrimoine from Toulouse and a Paris-region office.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (525920)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE)

Keywords

• Wealth management advisory
• Patrimonial consulting
• Tax optimization services
• Retirement planning
• Estate planning

Headquarters

HQ city

Toulouse

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Advisory Services: Bonjour Patrimoine generates revenue through fees charged for personalized wealth management advisory services. The firm provides comprehensive patrimonial advice covering financial investments, real estate, tax optimization, retirement planning, and estate planning. The business model involves establishing client relationships through the website, conducting patrimonial assessments, and providing ongoing advisory services.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Gestiondepatrimoine.com provides personalized wealth management advisory services (Conseil en Gestion de Patrimoine) to French individuals and business owners, delivered through its subsidiary Bonjour Patrimoine which holds full CGP habilitations (ORIAS, AMF/CIF, CNCGP). The core deliverable is the Bilan Patrimonial - a comprehensive assessment of client financial, tax, legal, and insurance situations - followed by personalized recommendations across financial products (PER, assurance-vie, PEA), real estate vehicles (SCPI, LMNP, Pinel), tax optimization mechanisms (Girardin, IFI), retirement planning, and corporate wealth structuring. The offering is supported by an extensive educational content platform (guides, articles, simulators, videos) used for both client education and lead generation.

Product overview

Gestiondepatrimoine.com is a comprehensive wealth management advisory platform for French individuals and professionals. The offering is structured as an integrated content and advisory platform with multiple financial products and services organized around key wealth management themes: Financial (PER, Assurance-vie, PEA, Capitalization contracts), Real Estate Investment (LMNP, LMP, SCPI, OPCI, SCI, Pinel, Denormandie, Censi-Bouvard), Tax Optimization (Girardin Industriel, IFI, holding structures), Retirement Planning (Madelin contracts, employee savings), and Corporate Wealth (Pacte Dutreil, key person insurance). The platform complements these products with free tools including financial simulators, patrimonial guides, and expert consultations. The service is delivered by CGP (Conseiller en Gestion de Patrimoine) professionals affiliated with the CNCGP and regulated by AMF.

Differentiator

Problem solved

Functional benefit

Products and services

• Conseil en Gestion de Patrimoine (Wealth Management Advisory) Core wealth management advisory service for French individuals, business owners, and expatriates covering financial investments, real estate, tax optimization, retirement planning, family protection, and estate transfer. Delivered by qualified CGP advisors and supported by the Bilan Patrimonial assessment process.
• Bilan Patrimonial (Patrimonial Assessment) Comprehensive patrimonial assessment analyzing the client's situation across fiscal, financial, legal, and insurance (prévoyance) dimensions. Serves as the diagnostic step preceding any personalized wealth management recommendation and as the entry point into an advisory engagement.
• Guides Patrimoniaux (Downloadable Wealth Guides) Free downloadable educational guides on wealth management topics (excess cash management, rental property investment, real estate, retirement planning, expatriation) used as lead-capture resources delivered to prospects who submit their contact information.
• Simulateurs Patrimoniaux (Interactive Wealth Simulators) Suite of interactive financial and tax calculators including Girardin simulator, succession rights calculator, donation calculator, real estate capital gains calculator, investment profile questionnaire, and loan insurance comparator — used by prospects for self-assessment and lead qualification.
• Girardin Industriel Tax Reduction Advisory Advisory and structuring service for investments in qualifying overseas industrial enterprises (Girardin Industriel), offering clients a 115% to 130% tax reduction on the invested amount, framed within an overall fiscal optimization strategy.
• LMNP (Location Meublée Non Professionnelle) Advisory Advisory on the LMNP (Non-professional furnished rental) regime enabling rental income to become effectively non-taxable through amortization deductions, supporting clients in setting up and managing furnished rental investments.
• PER (Plan Épargne Retraite) Advisory Advisory on the PER (Plan Épargne Retraite) — a French retirement savings plan allowing tax-deductible contributions with flexible exit options in capital or annuity form, positioned as a core retirement savings solution.
• Pacte Dutreil Business Transfer Advisory Advisory on the Pacte Dutreil mechanism — a 75% tax reduction mechanism for transferring family business shares — framed within broader business succession and family wealth transmission strategy.

Quantifiable outcome

• Girardin industriel investment provides tax reduction of 115% to 130% of invested amount
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• TestamentominorStrategic or Co-development Partner · 1 December 2013Testamento is an online testament service that democratizes access to wills in France. Founded in December 2013 and designed in collaboration with notaries and lawyers, it offers information about wills and inheritance, a holographic will writing tool, and optional registration with the central file of notaries (FCDDV). The partnership provides gestiondepatrimoine.com clients with access to digital estate planning tools.
• Cabinet d'avocats Denis GuillenminorImplementation/ SI/ Consulting PartnerThe law firm Cabinet d'avocats Denis Guillen, located in Toulouse (25 Boulevard de Strasbourg) and Tournay in the Hautes-Pyrénées, specializes in business law and company law including corporate law, tax law, commercial law, and agricultural law. The firm serves both professionals (accountants, lawyers, judicial experts) for consultations and training, and business owners for litigation, business strategy, and contract drafting (commercial transfers, share transfers, capital operations, company formations, dissolutions, mergers).

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Nalo: Digital-first French wealth advisory / robo-advisor offering automated, project-based investment portfolios for retail-affluent clients — an emerging alternative that overlaps in target client segment and product set, but competes on lower fees rather than personalized CGP service.
• Ramify: French digital wealth advisory firm pairing automated portfolio management with human advisors — competing for the same HNW/mass-affluent French clients with stronger tech UX.
• Finary: French wealth-tracking and advisory platform that aggregates household assets and routes clients to wealth solutions — adjacent in that it owns the client relationship for monitoring and increasingly for advisory, especially among younger HNW French households.

Broad incumbents

• Primonial: One of the largest independent French wealth management groups offering multi-affiliate advisory, real estate, life insurance, and asset management — overlapping broadly with Gestiondepatrimoine.com's product taxonomy but at substantially greater scale.
• Cyrus Conseil: Established French family-owned independent wealth management firm serving private and business-owner clients with holistic patrimonial advice — same CGP-style positioning, broader footprint and AUM base.
• Indosuez Wealth Management: Crédit Agricole group's private banking arm providing wealth structuring, investment advisory, and family services globally to HNW clients — comparable in holistic patrimonial offering but with cross-border scale and balance sheet.
• Union Financière de France (UFF): Large French wealth advisory network under Aviva France providing personalized patrimonial advice to retail-affluent and HNW clients — comparable CGP activity across assurance-vie, securities, and retirement wrappers.
• Lazard Frères Gestion (France): Largest privately-owned French independent financial advisory group offering asset management and private wealth advisory to HNW/UHNW families and business owners — comparable holistic clientele, but anchored more in discretionary asset management than CGP advisory.

Direct peers

• Netinvestissement: French wealth advisory firm using a content-led, educational platform to attract and convert private clients, with CGP advisors delivering personalized patrimonial advice across financial, tax, and real estate dimensions — a near-direct model match.

Others

• Cabinet de courtage en assurance-vie et patrimoine (Evelia / MeilleurPlacements-like aggregators): French comparator and lead-generation ecosystem (e.g., placements, comparators) that supplies qualified prospects to CGPs like Gestiondepatrimoine.com — adjacent channel that operates against the firm's owned-platform strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/gestiondepatrimoine-com
• Xx.com/gdpatrimoine

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 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 Gestiondepatrimoine.com