What Profina Group does

Profina Group, operating commercially as CF Profina, is a privately held French financial services and investment management firm headquartered at 3 rue Alfred Roll, 75017 Paris. Founded in 1995 and rebranded to CF Profina around 2024, the company specializes in structuring and distributing Girardin industriel tax-reduction investments that channel private capital from French taxpayers into industrial equipment financing for small and medium enterprises located in France's overseas territories (DOM-COM). The firm positions itself as the first specialized player in this niche, with nearly 30 years of continuous operation.

The core product set comprises two Girardin variants — Girardin industriel de plein droit for standard equipment financing across agriculture, construction, personal services, and audiovisual production, and Girardin industriel avec agrément for higher-value equipment (above €250,000) and regulated transport and renovation sectors requiring administrative approval. The platform is supported by an interactive Simulateur (tax-reduction calculator capped at €40,900 per investor) and by complementary real estate bond offerings distributed via the partner platform ClubFunding (founded 2015). CF Gestion serves as a strategic operational partner managing the Société en Nom Collectif (SNC) entities in which investors hold stakes, providing ongoing portfolio administration across the holding period.

Commercially, Profina operates a sales-led B2C model targeting individual French taxpayers with significant income-tax liability. Distribution runs through the company website, social channels (Facebook, X, LinkedIn), phone (01 89 72 13 21), email, and direct appointment scheduling with internal experts. Revenue is generated via transaction-related fees on the Girardin investments it intermediates, with no publicly disclosed pricing tiers or annual revenue figures. The firm employs 101-250 people and remains privately held with no disclosed external investors or parent company.

Name

Profina Group

Legal name

CF Profina

Website

https://groupe-profina.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

CF Profina is a privately held French investment firm, founded in 1995 and headquartered in Paris, that structures and distributes Girardin industriel tax-reduction investments for individual French taxpayers seeking to finance industrial equipment in France's overseas territories (DOM-COM).

Ownership category

akta.pro rank

Product category

Tax-Optimized Investment Services

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Finance Lessors (6172), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Sustainable Private Markets (Impact PE/VC, Private Credit, Infrastructure) (FSAAALAG), Private Sector & Blended Finance Arms (IFC-type) (BPADACAJ)

Keywords

• Tax reduction investments
• Girardin industriel
• Overseas investment financing
• Defiscalisation services
• DOM-COM investment

Headquarters

HQ city

Paris

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

Revenue model

1. Girardin Industriel Investment Facilitation: CF Profina facilitates investments in Girardin industriel devices, enabling French taxpayers to reduce their income taxes while generating returns. Investors finance industrial equipment for overseas (DOM-COM) businesses, receiving tax reductions and potential yields up to 15%. The company earns revenue through fees associated with structuring and managing these investments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CF Profina facilitates Girardin industriel investments that channel French investor capital into new industrial equipment for businesses in overseas territories (DOM-COM). Investors receive income tax reductions up to €40,900 and potential yields up to 15% while supporting local SME financing. The company also distributes ClubFunding real estate obligations as a complementary offering within its product set.

Product overview

CF Profina operates as a unified investment platform offering tax reduction products centered on the Girardin industriel dispositif, targeting French overseas territories (DOM-COM). The core portfolio consists of two Girardin variants: Girardin industriel de plein droit for standard equipment financing across multiple sectors, and Girardin industriel avec agrément for higher-value equipment (over €250,000) and regulated transport/renovation sectors requiring approval. The platform also provides a Simulateur tool for prospects to calculate potential tax reduction (up to €40,900) and connects clients to ClubFunding obligations for additional real estate investment through its partner platform. The group leverages CF Gestion as a partner for ongoing management of the investment structures.

Differentiator

Problem solved

Functional benefit

Products and services

• Girardin industriel de plein droit Tax reduction investment product under the Girardin industriel framework that finances new industrial equipment for businesses in French overseas territories (DOM-COM). Covers sectors such as agriculture, construction (BTP), personal services, and audiovisual production/production and broadcasting. Aimed at French taxpayers seeking legal income tax reduction alongside investment yield.
• Girardin industriel avec agrément Girardin industriel investment product covering new equipment valued above €250,000, or equipment in the freight transport, passenger transport, and building renovation sectors, all of which require administrative approval (agrément). Designed for French investors seeking tax reduction with higher-value or regulated-sector DOM-COM equipment financing.
• ClubFunding Obligations Real estate investment offering distributed through CF Profina via partner platform ClubFunding. Investors can subscribe to bonds (obligations) issued by ClubFunding to finance French SMEs specialized in real estate, providing portfolio diversification beyond Girardin industriel.

Quantifiable outcome

• Tax reduction up to €40,900 per investor
• +1 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

Partnerships

Two partnerships are on record, tiered core.

• ClubFundingcoreStrategic or Co-development Partner · 1 January 2015ClubFunding is a crowdfunding platform founded in 2015 that has become a leader in its sector. The platform offers real estate investment obligations and contributes to the broader group ecosystem. CF Profina references ClubFunding as part of its 'other offers' portfolio, allowing investors to diversify into French real estate SME investments through the platform.
• CF GestioncoreImplementation/ SI/ Consulting PartnerCF Gestion is a strategic operational partner responsible for managing the Société en Nom Collectif (SNC) entities in which CF Profina investors hold stakes. CF Profina explicitly references this partnership to provide long-term management and follow-up of investments, ensuring professional administration of the investment portfolio throughout the holding period.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Anaxago: French crowdfunding platform enabling direct investment in real estate and SME opportunities, comparable to CF Profina's partner ClubFunding as a digital-first channel for tax-advantaged or yield-driven French private investment.
• Wiseed: French crowdfunding platform across real estate and private equity. Comparable to CF Profina as an emerging digital intermediary offering direct private-investment access to retail and HNW French investors, including tax-optimized vehicles.
• Inter Invest: French investment firm specializing in Girardin industriel and other tax-advantaged dispositifs (Pinel, Malraux, Déficit foncier). Directly comparable to CF Profina: same intermediation model, same French HNW tax-optimization audience, and same core SME-equipment financing mechanism in DOM-COM.

Broad incumbents

• Natixis: French corporate and investment bank with wealth management and structured solutions arms. Comparable as a broad incumbent offering tax-optimized and structured-investment products to French HNW clients, competing for the same wallet as CF Profina.
• Lazard: Global financial advisory and asset management firm with a substantial French presence, serving HNW and institutional clients with structured tax-aware investment strategies. Comparable as a high-end incumbent alternative to CF Profina's specialist intermediation model.
• Bpifrance: French public investment bank that provides direct financing, guarantees, and innovation funding to SMEs, including dedicated programs for overseas territories. Comparable as a broader, public-sector version of the underlying equipment-financing activity that CF Profina channels via private capital.
• Primonial: Major French wealth-management and asset-management firm offering tax-optimized products (assurance-vie, SCPI, private equity) to the same HNW client base as CF Profina, with broader product depth and larger scale.
• Rothschild & Co: Global financial advisory and wealth management firm with deep French roots, serving HNW clients with bespoke tax and investment structuring. Comparable to CF Profina at the high end of the target customer base.
• La Française: French asset manager spanning listed, real estate, and private debt with tax-advantaged wrappers. Comparable to CF Profina as a multi-product French investment platform targeting institutional and HNW clients with structured solutions.
• Oddo BHF: Franco-German private bank and asset manager offering wealth management with tax-advantaged and structured products to HNW clients in France and Europe. Comparable as a broader incumbent competing for the same French HNW tax-optimization wallet.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/ProfinaParis
• Facebookfacebook.com/cfprofina
• LinkedInlinkedin.com/company/cf-profina

Revenue estimate

Valuation estimate

Number of profiles

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 Profina Group