Cimea Patrimoine

What Cimea Patrimoine does

Ciméa Patrimoine is a French independent wealth management advisory firm headquartered in La Roche-sur-Yon, operating regional offices in Nantes and Angers within the Grand Ouest region. Founded in 1992, the firm provides comprehensive patrimonial advisory services — heritage constitution, valorization, diversification, protection, and intergenerational transmission — to high net worth individuals, families, entrepreneurs, and corporate executives. Its core products include the Audit Patrimonial (comprehensive heritage audit), Conseil en Investissement Financier et Immobilier (financial and real estate investment advisory), Conseil en Protection Sociale, Prévoyance, Retraite et Gestion de Trésorerie (social protection, retirement, and treasury advisory), and Suivi Patrimonial (ongoing heritage monitoring), all delivered through the proprietary C-I-M-E-A methodology (Comprendre, Imaginer, Maîtriser, Évaluer, Accompagner).

Ciméa is part of the Groupe Cyrus ecosystem (since late 2021), which manages approximately €11 billion in financial assets for 5,000 families across 20 offices in France with roughly 400 employees. The firm itself employs 11–50 people, including approximately 17 named patrimonial experts (Expert Patrimonial designation). The business model is hybrid: it combines advisory fees (honoraires) for patrimonial strategy consulting with commissions and retrocessions received from insurance brokers, asset managers, banks, and real estate developers — including Generali, MMA, SwissLife, ODDO BHF, Edmond de Rothschild, Perial, and Sofidy. Ciméa is licensed as a CIF (Financial Investment Advisor, ORIAS 07030175), COA (Insurance Broker), and COBSP (Banking Operations Broker), and holds a real estate transaction card issued by CCI de Vendée. PAI Partners holds a significant minority stake in the parent Groupe Cyrus via an employee ownership structure (66% employee-owned).

The technology footprint is minimal: a digital client portal hosted on the Groupe Cyrus extranet and content marketing channels (Baromètre, Convictions magazine). The go-to-market motion is consultative and sales-led, with no AI/ML capabilities disclosed and no public revenue or ARR figures.

Name

Cimea Patrimoine

Legal name

CIMÉA PATRIMOINE

Website

https://cimea-patrimoine.fr

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Ciméa Patrimoine is a French independent wealth management advisory firm, founded in 1992 in La Roche-sur-Yon, serving high net worth families, entrepreneurs, and executives across the Grand Ouest region. Since 2021 it has operated within Groupe Cyrus, offering heritage audits, investment advisory, retirement planning, and intergenerational wealth transmission on a hybrid fee-and-commission model.

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

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Investment Management Advisory (RIA) (FSAEAAAB), Family Office Trust & Fiduciary Services (FSAEAKAF)

Keywords

• Wealth management advisory
• Patrimonial consulting
• Financial investment advice
• Estate planning services
• Retirement planning

Headquarters

HQ city

La Roche-sur-yon

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Fees (Honoraires): Patrimonial strategy consulting is compensated through professional fees, with a mission letter specifying the terms of service delivery and fee amounts.
2. Investment Commissions (Retrocessions): Financial, insurance, and real estate advisory services are compensated through a fraction of fees related to interventions carried out, paid directly or indirectly by product promoters (insurers, asset management companies, real estate developers). Commission retrocessions include: 50-100% of subscription fees, up to 8% for SCPI, up to 5% for FIP/FCPI, 0.10-3% upfront commission for structured products, and 0.5-1.2% annual management fees for FIP/FCPI/FCPR.
3. Insurance Brokerage Commissions: As an insurance broker (COA), Ciméa Patrimoine receives retrocessions on entry fees, arbitration fees, management fees, and financial retrocessions on client investments.
4. Banking Intermediation Fees: As a bank operations broker (COBSP), Ciméa Patrimoine communicates the amount of remuneration received from credit institutions before subscription.
5. Preferred Partner Fees: Ciméa Patrimoine has established privileged partnerships with a limited number of asset management companies that pay annual remuneration outside of any product distribution.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Ciméa Patrimoine is a French wealth management advisory firm that delivers personalized patrimonial strategy consulting to families, entrepreneurs, and corporate executives. Its services include comprehensive heritage audits, financial and real estate investment advisory, social protection and retirement planning, treasury management, and ongoing patrimonial monitoring. The firm operates as a multi-skilled advisor applying a structured methodology to support wealth constitution, valorization, diversification, protection, and intergenerational transmission.

Product overview

Cimea Patrimoine operates as a comprehensive wealth management advisory firm offering integrated patrimonial services. The core offering consists of strategic heritage consulting, financial and real estate investment advisory, social protection and retirement planning, and ongoing heritage monitoring. The firm employs a multi-competence approach combining civil, legal, and financial market expertise to deliver personalized, generation-to-generation advisory services. Digital services include a client portal for account access and communication.

Differentiator

Problem solved

Functional benefit

Products and services

• Conseil en Gestion de Patrimoine (Heritage Management Consulting) Personalized wealth management consulting covering heritage constitution, valorization, protection, and transmission strategies for individuals and business owners.
• Conseil en Investissement Financier et Immobilier Financial and real estate investment advisory recommending suitable investment products based on client profiles and objectives.
• Conseil en Protection Sociale, Prévoyance, Retraite et Gestion de Trésorerie Social protection, provident, retirement planning, and treasury management advisory for individuals and professionals.
• Suivi Patrimonial (Heritage Monitoring) Ongoing heritage monitoring service providing annual reviews, portfolio tracking, and strategic adjustments to maintain alignment with client objectives.
• Audit Patrimonial Comprehensive heritage audit conducting global analysis of client assets, liabilities, and objectives to establish strategic patrimonial planning.
• Espace Client (Client Portal) Online client portal providing access to portfolio information, documents, and account management within the Groupe Cyrus ecosystem.

Named customers3 records

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

13 partnerships are on record, tiered core and minor.

• CYRUS HEREZcoreOthers · 1 January 2021Parent company of Ciméa Patrimoine following the 2021 acquisition. CYRUS HEREZ is the wealth management arm of Groupe Cyrus, providing strategic direction and shared services.
• CYRUS GROUPEcoreOthersParent holding company of the Cyrus Group. Created in 1989, it is one of France's leading independent wealth management groups managing €11 billion for 5,000 families with 400 collaborators.
• EVERNAMcoreStrategic or Co-development PartnerSister company specializing in real estate investment expertise. Part of the Cyrus Group ecosystem providing complementary real estate advisory services.
• ALTIXIA REIMminorStrategic or Co-development PartnerSister company specializing in real estate investment management (REIM). Provides real estate investment solutions within the Cyrus Group ecosystem.
• AMPLEGESTcoreStrategic or Co-development PartnerSister company specializing in bespoke financial management. Part of the Cyrus Group providing asset management services and investment solutions.
• FLANDRIN CAPITALminorStrategic or Co-development PartnerSister company within the Cyrus Group ecosystem. Provides specialized investment management services.
• GENERALI VIE, GENERALI PATRIMOINE, GENERALI LUXEMBOURGminorChannel Partner/ Reseller/ DistributorInsurance partners providing life insurance, savings, and retirement products distributed through Ciméa Patrimoine.
• MMAminorChannel Partner/ Reseller/ DistributorInsurance partner providing protection and insurance products through the brokerage relationship.
• SWISSLIFEminorChannel Partner/ Reseller/ DistributorInsurance partner specializing in life insurance and wealth management products.
• ODDO BHFminorChannel Partner/ Reseller/ DistributorBanking and financial services partner providing investment banking, asset management, and financial products.
• PERIALminorChannel Partner/ Reseller/ DistributorAsset management company specializing in SCPI (real estate investment trusts) products.
• SOFIDYminorChannel Partner/ Reseller/ DistributorAsset management company providing real estate investment solutions (SCPI) distributed through Ciméa.
• EDMOND DE ROTHSCHILD AMminorChannel Partner/ Reseller/ DistributorAsset management company providing investment funds and wealth management solutions.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Primonial: Major French independent wealth management and asset management group (Primonial Ingénierie & Développement for advisory, Primonial REIM for real estate), overlapping with CIMÉA's HNW advisory, insurance brokerage and SCPI distribution franchise.
• Union Financière de France (UFF): France's largest independent wealth management advisory network (Advisor-Expert model), serving mass-affluent and HNW clients with CIF, insurance brokerage and family wealth services — directly comparable to CIMÉA's independent advisory proposition and revenue model.
• Cyrus Herez (sister entity): Wealth management arm of Groupe Cyrus; CIMÉA is a sister company under the same parent, sharing the C-I-M-E-A methodology, group investment solutions and back-office, with overlapping HNW / business owner client base across France.

Broad incumbents

• Rothschild & Co (Rothschild Martin Maurel): French private banking arm of Rothschild & Co, serving family and entrepreneur wealth (investment, estate, philanthropy), with a broader balance sheet and international footprint than CIMÉA but overlapping client type.
• Lazard Frères Gestion (France): Historic French private bank and wealth manager (Lazard Frères Gestion and Lazard Patrimoine), part of broader global Lazard franchise; broader incumbent offering competing CIF and asset management services to U/HNW clients in France.
• Edmond de Rothschild Private Wealth (France): French / European private bank serving UHNW and entrepreneur families (Hervé de Rothschild's group), with a multi-office presence and broader fund/asset-management platform — relevant incumbent peer for CIMÉA's HNW entrepreneur segment.
• Natixis Wealth Management (Banque Privée 1818): Universal-bank-owned private bank (Natixis/Banque Populaire group) serving HNW clients with investment advisory, estate planning and structured products — a bank-distributed comparator to CIMÉA's independent model.

Regional players

• MonPartenaire Patrimoine (Groupe Patrimonia): French independent wealth advisory network primarily serving West / South-West France HNW clients, sharing the consultative CIF / COA business model, multi-office regional roll-up and pension/insurance retrocession revenue mix with CIMÉA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cimea-patrimoine

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 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 Cimea Patrimoine