K&P Finance

What K&P Finance does

K&P Finance is an independent Paris-based wealth management and real estate tax advisory firm operating as a brand of K&P Défiscalisation. Founded in 2006 by Karine Malatier, the firm specializes in guiding individual and corporate clients through French real estate tax optimization schemes, including Malraux, Monuments Historiques, Denormandie, Jeanbrun, Déficit Foncier, Girardin IS, CIOP, CIIC, LMP/LMNP, LLI, Nue-propriété, and Mauritius non-resident programs. The company curates a portfolio of over 530 property programs spanning 14 metropolitan French regions, French overseas territories (Guadeloupe, Martinique, Guyane, La Réunion, Nouvelle-Calédonie, Polynésie française, Saint-Martin), and Mauritius, covering new-build, renovated, and specialized managed residences (student, senior, EHPAD).

The firm's core technology stack is essentially non-existent — it operates as a traditional advisory intermediary with website-driven lead generation and form-based tax simulation tools rather than a software or platform business. Its licensed operations are anchored by a CCI Paris-Île-de-France real estate card (CPI 7501 2017 000 018 255), MMA professional liability insurance, and a Galian financial guarantee — all mandatory prerequisites for licensed French property advisory activity. Strategic partnerships with Cogedim Club (senior residences) and Néméa (student residences) institutionalize its offering in managed-residence segments under LMNP status.

K&P Finance operates on a commission-based revenue model: clients are charged no fees, properties are presented at direct developer prices, and the firm earns commissions from property promoters/developers on closed placements. Distribution is exclusively direct-to-consumer through senior wealth management consultants providing phone consultations, in-person meetings at the Paris headquarters (58 Rue de Vaugirard, 75006), and end-to-end support from feasibility study through signature and rental setup. The firm maintains a 1–10 employee headcount and has not raised external institutional funding or completed M&A activity.

Name

K&P Finance

Legal name

K&P Finance

Website

https://kp-finance.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

K&P Finance is an independent Paris-based wealth management firm advising individual and corporate clients on French real estate tax optimization schemes across 530+ programs in metropolitan France, overseas territories, and Mauritius, earning commissions from property developers without charging client fees.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Promoter Commissions: K&P Finance presents properties at direct promoter prices with no charges to the buyer. The firm earns commissions paid by property developers/promoters, which do not impact the acquisition price. This commission-based model aligns the firm's interests with clients while maintaining accessibility.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

K&P Finance is an independent wealth management advisory firm that curates and distributes French real estate investment programs designed to optimize clients' income or corporate taxes. Its consultants match high-income individuals and corporate clients to specific regulatory schemes (Malraux, Denormandie, LMNP/LMP, Girardin IS, etc.) across metropolitan France, overseas territories, and Mauritius, providing end-to-end support from tax simulation through property selection, signing, and rental setup.

Product overview

K&P Finance operates as an independent real estate wealth management and tax optimization advisory firm, offering a comprehensive portfolio of property investment programs and tax reduction strategies. The core offering consists of multiple specialized investment programs including Malraux law properties, Monuments Historiques heritage properties, Denormandie renovated properties, Jeanbrun new constructions, Déficit Foncier property deficit programs, Girardin IS overseas investments, CIOP overseas tax credits, LMP/LMNP furnished rentals, LLI intermediate housing, Nue-propriété bare ownership, CIIC Corsican programs, and Mauritius non-resident investments. The company also offers specialized residence investments (student housing, senior residences, EHPAD care homes) and PTZ government-assisted financing programs. Supporting these programs are advisory tools including tax simulation calculators for various investment schemes. Services are delivered through expert advisors offering personalized property search, complete transaction support from study to signing and rental management, and educational guides covering tax mechanisms and investment strategies.

Differentiator

Problem solved

Functional benefit

Products and services

• Loi Malraux Programs Real estate investment programs under the Malraux law offering tax reduction up to €120,000 through restoration of classified buildings in protected urban areas. Targets French taxpayers with high income tax liability.
• Monuments Historiques Programs Investment programs in historically classified monument properties allowing 100% deductibility of restoration costs from income taxes. Designed for French taxpayers seeking heritage property investments.
• Loi Denormandie Programs Tax reduction programs for renovated older properties offering tax credits of 12%, 18%, or 21% depending on commitment duration (6, 9, or 12 years), with maximum tax deduction up to €63,000.
• Loi Jeanbrun Programs New property investment programs offering annual amortization deductions of €8,000 to €12,000 from rental income, reducing overall tax burden for property investors.
• Déficit Foncier Programs Property deficit programs allowing 100% deduction of renovation costs from rental income without limits, enabling significant tax optimization for property investors.
• Loi Girardin IS Programs (DROM) Overseas property investment programs allowing deduction of investment from corporate tax (IS) for eligible properties in French overseas territories (DROM). Designed for corporate investors.
• CIOP Programs (DROM) Overseas investment programs (Article 244 quater W) offering up to 49.5% tax credit on investment for properties in French overseas territories.
• LMP/LMNP Programs Furnished rental property investment programs (Loueur Meublé Professionnel/Non Professionnel) offering 50-71% tax allowance or 100% amortization of property and furnishings for tax-free rental income.
• LLI (Logement Locatif Intermédiaire) Programs New intermediate rental housing investment programs offering reduced VAT at 10% and property tax reimbursement benefits.
• Nue-propriété Programs Bare ownership (nue-propriété) investment programs allowing 30-50% reduction in full property acquisition value through usufruct separation arrangement.
• CIIC (Corse) Programs Corsican property investment programs offering up to 30% tax credit on investment through the Corsican Investment Tax Credit (CIIC) program.
• Mauritius (Non-Resident) Programs Mauritius property investment programs for non-residents offering properties eligible under PDS and G+2 schemes for international investors.
• Student Residence Programs Student residence investment programs in furnished rental properties, typically under LMNP regime, targeting rental income and tax optimization through amortization.
• Senior Residence Programs Senior residence investment programs in managed care facilities, offering secure rental income and furnished rental tax benefits under LMNP status, operated via partner Cogedim Club.
• EHPAD Investment Programs Nursing home (EHPAD) investment programs offering tax advantages through furnished rental status with commercial lease agreements.
• PTZ (Prêt à Taux Zéro) Programs Zero-interest loan programs (Prêt à Taux Zéro) for primary residence purchase, with financing up to 50% for new apartments and 30% for new houses depending on income bracket.

Quantifiable outcome

• Up to €120,000 in tax reduction for Malraux investments
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Cogedim ClubcoreStrategic or Co-development PartnerCogedim Club manages senior residences offered through K&P Finance's investment programs. The partnership provides clients with professionally managed senior living investments under the LMNP (furnished rental) status, offering secure rental income and tax benefits.
• NéméacoreStrategic or Co-development PartnerNéméa manages student residences offered through K&P Finance's investment programs. The partnership provides clients with professionally managed student housing investments under the LMNP status, including commercial leases, VAT recovery, and tax amortization benefits.
• MMA (Millemtel Mutuelle des Templates)minorOthersProfessional liability insurance provider for K&P Finance (RC Pro - Police n° 120 137 405), required for licensed real estate advisory operations in France.
• GalianminorOthersFinancial guarantee provider for K&P Finance, required for licensed real estate advisory operations in France.
• CCI Paris-Île-de-FranceminorOthersChamber of Commerce and Industry that issued K&P Finance's professional real estate card (CPI 7501 2017 000 018 255), required for licensed real estate advisory operations.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Andelys Patrimoine: Boutique French patrimoine (wealth) advisory firm providing personalized real estate investment and tax reduction strategy. Similar size and independent positioning to K&P Finance, with comparable focus on Malraux, Monuments Historiques, and Déficit Foncier schemes for high-net-worth clients.
• Magnifica (real estate investment): Independent French advisor specialized in premium and luxury real estate investment, including tax-optimized programs (Malraux, Monuments Historiques) for high-net-worth clients. Comparable to K&P Finance in targeting high-income segments with sophisticated tax-driven property strategies.
• Lippi Gestion Privée: Independent French wealth management firm offering real estate investment advisory and défiscalisation solutions, including managed residence programs. Directly comparable to K&P Finance in boutique advisory positioning, scheme coverage, and individual investor client focus.
• Defiscalisation.com: One of France's most prominent independent real estate tax optimization advisory platforms, marketing Malraux, Pinel, LMNP, and similar défiscalisation programs to individual investors. Closest comparable business model to K&P Finance in terms of curated program catalog, commission-based revenue, and content-driven lead generation.
• Investissement-Locatif.com: French digital-first real estate investment advisory site focused on rental investment and tax optimization schemes including Pinel, LMNP, and Déficit Foncier. Comparable to K&P Finance in offering curated property programs, tax simulation tools, and educational content to drive investor leads.
• France Patrimoine: Independent French wealth management advisor specializing in real estate investment and tax optimization (défiscalisation). Competes directly with K&P Finance on the same set of schemes (Malraux, Denormandie, LMNP, Girardin) for the same high-income individual client base across metropolitan and overseas France.

Emerging players

• Linxea: Digital-first French wealth management platform offering life insurance, savings, and increasingly real estate investment products. Adjacent competitor to K&P Finance with similar self-serve and advisor-assisted model, though currently weaker on real estate specific advisory.

Broad incumbents

• Meilleurtaux Patrimoine: Large French financial advisory and brokerage group providing mortgage, insurance, savings, and wealth management services including real estate tax optimization. Comparable to K&P Finance in serving French property investors but with national brand reach and broad product distribution beyond pure advisory.
• UFF (Union Financière de France): BNP Paribas subsidiary providing wealth advisory, real estate investment, and tax optimization products to affluent French clients. Overlaps with K&P Finance on défiscalisation offerings but operates as a much larger, banking-affiliated incumbent with broader product distribution.
• Primonial: One of France's largest independent wealth management groups, offering a broad portfolio that includes real estate tax optimization (SCPI, Malraux, Pinel), life insurance, and asset management. Serves the same high-income French clientele as K&P Finance but at far greater scale, with institutional resources and proprietary product vehicles.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@Kpfinanceparis
• Facebookfacebook.com/KP.Finance
• LinkedInlinkedin.com/company/k&p-finance
• Instagraminstagram.com/kpfinance_paris
• Xx.com/kp_finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 K&P Finance