YCAP Partners

What YCAP Partners does

YCAP Partners is a privately held French wealth management advisory firm (société anonyme) founded in 1999 and headquartered at 1 boulevard Pasteur, Paris (75015), operating under registered capital of €867,713 and RCS Paris registration B 352 036 792. The firm is regulated as a Conseiller en Investissements Financiers (CIF) under ANACOFI-CIF authorization, registered with ORIAS under number 07002690, and supervised by the ACPR for insurance intermediation, with professional liability coverage from Allianz IARD. YCAP distributes a diversified portfolio of financial, insurance, and real estate products exclusively through a national network of independent wealth management advisors (Conseillers en Gestion de Patrimoine), insurance intermediaries, and referrers (prescripteurs). Its product range spans life insurance and capitalisation contracts, retirement and provident solutions (PERP, Madelin, PEE), financial products (SCPI Pierre Privilège, FIP/FCPI, direct SME equity), private equity vehicles (HORA, VIA, Groupe OCP), and a full proprietary real estate platform (YCAP Immobilier, formerly Solution Investissement Conseil, acquired 2014) covering Pinel, Malraux, Déficit Foncier, LMNP/LMP, Girardin, Nue-propriété, PLS, Démembrement, and Censi-Bouvard.

Revenue is generated through commission-based intermediation: entry-fee commissions net of the product-issuing company's share, plus up to 60% of ongoing management fees on financial/insurance products, and transaction-based commissions on real estate sales. The firm supports its partner network through operational tooling including the CapSailor partner extranet with the TOPINVEST investment simulator, a dedicated YCAP Immobilier real estate extranet, the SIC MOBIL iOS application, and a full back-office middle-office service for both finance/assurance and real estate transaction lifecycles. Supporting partner services include patrimonial engineering, ongoing legal and tax intelligence (Veille Juridique & Fiscale), quarterly validating training (Formations Validantes), administrative assistance, and a dedicated relationship manager per partner.

The firm is led by Salvatore Galletta as Directeur Général, with a small named team covering partnerships (Eugénie Mussche), middle-office operations (Alexis Renaud), real estate (Nadège Jeandon), and administrative/financial management (Oliver Genicot). Major distribution partners include Cardif (BNP Paribas Cardif), CNP Assurances, La Française AM, M/Capital Partners, Optimum, Intencial Patrimoine, APREP, Eres, and MidiCapital, with Homa Capital providing exclusive discretionary management expertise. Geographic operations are exclusively domestic (France nationwide including DOM-TOM overseas territories), with no international expansion disclosed.

Name

YCAP Partners

Legal name

YCAP partners, société anonyme à conseil d'administration

Website

https://ycap-partners.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

YCAP Partners is a Paris-based, AMF/ACPR-regulated French wealth management intermediary founded in 1999, distributing life insurance, retirement, financial, real estate, and private equity products through a national network of independent CGP advisors and insurance intermediaries, supported by proprietary extranet tooling.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

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

akta.pro secondary industry

Corporate Finance & Capital Advisory (BPAHADAB)

Keywords

• Wealth management advisory
• Financial intermediation services
• Insurance brokerage services
• Real estate investment products
• Retirement and prévoyance planning

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financial Intermediation Commissions: The company acts as an intermediary in financial products and earns commissions on entry fees (less the portion retained by the product-issuing company) plus a fraction of management fees up to 60% of management fees. Partners distribute insurance, investment, and financial products to end clients.
2. Real Estate Transaction Commissions: Commission based on property sale prices for real estate transactions, earned through the Solution Investissement Conseil subsidiary which designs and distributes real estate products.
3. Insurance Intermediation: Intermediation commissions from insurance products including life insurance, borrower insurance, and provident/retirement insurance through partnerships with Cardif, CNP Assurances, Optimum, and Intencial Patrimoine.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

YCAP Partners designs, distributes, and intermediates wealth management solutions in financial products, insurance, and real estate, operating as a regulated financial investment advisor (CIF) and insurance broker (ORIAS no. 07002690) through a network of professional wealth management advisors. The firm supplies a comprehensive catalogue including assurance-vie and capitalisation contracts, retirement and prévoyance products (PERP, Madelin, PEE), SCPI/FIP/FCPI investments, and proprietary real estate schemes (Pinel, Malraux, Déficit Foncier, LMNP/LMP, Girardin, Censi-Bouvard) developed via its subsidiary YCAP Immobilier.

Product overview

YCAP Partners is a wealth management advisory platform offering a diversified portfolio of financial, insurance, and real estate solutions to private individuals and professional wealth management advisors. Its core product lines are (1) Assurance-vie & Capitalisation — life insurance and capitalisation contracts (including Cardif Multiplus PERP and partner offerings through CNP Assurances and Optimum); (2) Retraite & Prévoyance — a comprehensive suite including PERP, Madelin, prévoyance, employee savings (PEE/PERCO), and life annuity products through partners such as Cardif, APREP, and Eres; (3) Produits Financiers — financial products including SCPI Pierre Privilège (La Française AM), FIP/FCPI, and direct SME equity investments; (4) Immobilier (YCAP Immobilier / Solution Investissement Conseil) — a full-range real estate platform offering fiscal products (Pinel, Malraux, Déficit Foncier, LMNP/LMP, Girardin, Nue-propriété, PLS, Démembrement, Censi-Bouvard) plus property management, developed since 2014 as a property designer; and (5) Private Equity solutions (HORA GESTION, VIA YCAP, Groupe OCP). The platform distributes exclusively through a network of wealth management advisors (CIF), with partner-facing tools including CapSailor (financial extranet), the Immobilier extranet, SIC MOBIL mobile app, TOPINVEST simulator, and a dedicated relationship manager. Supporting services include a Middle Office (Finance & Assurance and Immobilier), Patrimonial Engineering, Legal & Tax Intelligence, Validating Training, and Administrative Assistance. YCAP also acts as a fund promoter, designing differentiated real estate products and exclusive financial contracts in collaboration with major insurers.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance-vie & Capitalisation
• Retraite et Prévoyance Solutions
• FIP / FCPI / Direct SME Equity Investments
• SCPI Pierre Privilège (La Française AM)
• YCAP Immobilier (Real Estate Platform)
• Private Equity Solutions (HORA, VIA YCAP, Groupe OCP)
• SCI Fiscales (Tax-Efficient Civil Real Estate Companies)
• Middle Office Finance & Assurance Service
• Middle Office Immobilier Service
• Ingénierie Patrimoniale (Patrimonial Engineering)
• Service de Gestion Locative (Property Management)

Quantifiable outcome

• Access to exclusive real estate products and financial solutions through partner network

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

18 partnerships are on record, tiered core, standard, key and minor.

• Cardif (BNP Paribas Cardif)coreChannel Partner/ Reseller/ DistributorInsurance intermediation partnership for Cardif Multiplus PERP and Cardif coverage products (Homme Clé, Emprunteur, Liberté Emprunteur). YCAP distributes Cardif insurance products through its advisor network.
• CNP AssurancescoreChannel Partner/ Reseller/ DistributorInsurance intermediation partnership for life insurance and capitalization products. CNP Assurances is a major French insurance company.
• La Française AMcoreChannel Partner/ Reseller/ DistributorInvestment company partnership offering SCPI Pierre Privilège products and access to financial management expertise through La Française AM.
• M/Capital PartnersstandardChannel Partner/ Reseller/ DistributorInvestment company partnership for intermediation of investment products.
• OptimumstandardChannel Partner/ Reseller/ DistributorInsurance company partnership for provident and retirement insurance products.
• Intencial PatrimoinestandardChannel Partner/ Reseller/ DistributorInsurance intermediation partnership for wealth management insurance products.
• Homa CapitalcoreStrategic or Co-development PartnerExclusive partnership for discretionary management expertise under mandate, providing financial expertise and management team research letters for wealth management services. Homa Capital provides expertise through Gestion sous mandat pilotée.
• Solution Investissement Conseil (YCAP Immobilier)coreStrategic or Co-development PartnerSubsidiary specializing in real estate product design (Déficit Foncier, Loueur Meublé, Malraux, Monuments Historiques) since 2014. Provides exclusive real estate products and property management services.
• MidiCapitalstandardChannel Partner/ Reseller/ DistributorInvestment partnership for FIP/FCPI products targeting regional SME development and innovation companies.
• EresstandardChannel Partner/ Reseller/ DistributorPartnership for employee savings products (PEE) offering Eres Selection 5 through the distribution network.
• APREP (Groupe APREP)standardChannel Partner/ Reseller/ DistributorInsurance partnership for TNS (Travailleurs Non Salariés) products including Multigestion TNS, Protection TNS, Protection Homme Clé, Protection Emprunteur, Protection Personnelle, and Rente Universelle.
• HORA GestionkeyStrategic or Co-development PartnerPrivate Equity partnership for urban business/tourism exploitation in PACA region (HORA 1 by YCAP) presented during YCAP events.
• VIA YCAPkeyStrategic or Co-development PartnerPrivate Equity partnership for villa tourism exploitation on the Atlantic coast (VIA VILLA 1 by YCAP).
• Groupe OCPkeyStrategic or Co-development PartnerPrivate Equity partnership for Paris business center exploitation presented during 2023 roadshow.
• SCI MimontminorStrategic or Co-development PartnerFiscal SCI partnership presented during October 2022 YCAP event for property investment structuring.
• SCI 90 SextiusminorStrategic or Co-development PartnerFiscal SCI partnership presented during October 2022 YCAP event for property investment structuring.
• TYLIA InvestminorStrategic or Co-development PartnerInvestment partner participating in YCAP October 2022 event debate on SME investment structuring.
• Cabinet RIVIÈREminorImplementation/ SI/ Consulting PartnerLegal advisory partner providing intervention during YCAP events on fiscal and wealth structuring topics.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Primonial: Major French wealth and asset manager with broad product range (assurance-vie, SCPI, private equity, real estate) distributed through partner networks; broader incumbent competitor with overlapping product set.
• Lazard Banque Privée: Large French private bank providing wealth advisory, asset management and intermediation to HNW clients; competes for the same end-client pool with a much larger balance sheet and broader product platform.
• Natixis Wealth Management: Large French wealth manager within Groupe BPCE providing advisory and intermediation services across asset classes; significantly larger incumbent whose product range overlaps YCAP's distribution catalogue.
• Milleis Banque Privée: French private bank offering wealth advisory, financial engineering and intermediation services to private clients; broader-scope incumbent operating in the same CGP/HNW segment as YCAP.

Direct peers

• Cyrus Conseil: French independent wealth management firm offering advisory, asset management and intermediation services to private clients - competes for the same CGP and HNW segments with a similar distribution model.
• Bred Banque Privée: French private bank arm of BRED distributing diversified wealth and real-estate products through advisor networks; comparable intermediate-sized competitor targeting the same mid-market HNW clients.
• Haussmann Patrimoine: Independent French wealth advisory firm offering financial engineering, asset management and real estate investment solutions, comparable in scale and multi-product distribution approach.
• Union Financière de France (UFF): Long-standing French CGP distribution platform intermediating financial, life-insurance and real-estate products; overlaps with YCAP's commission-based distribution architecture and target customer base.
• Meeschaert (Rothschild & Co Wealth & Asset Management): French independent wealth manager serving private clients with diversified financial, real estate and private equity offerings; similar mix of proprietary product sourcing and intermediation to YCAP.
• Crystal Finance: Independent French wealth management platform aggregating products and services for the CGP network; closest functional analogue to YCAP's intermediation + proprietary product model across finance, insurance and real estate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/YCAPpartners
• LinkedInlinkedin.com/company/ycap-partners---solution-investissement-conseil
• Facebookfacebook.com/YCAP-partners-604787889708370

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 YCAP Partners