Courtage Conseil de L'Est

What Courtage Conseil de L'Est does

Courtage Conseil de l'Est is a French financial advisory and brokerage firm (SARL FOIS) operating as an integrated subsidiary of Groupe PERENITUDE. Founded in 1995 and headquartered in Carling, the firm serves individual and professional clients across the Grand Est and Île-de-France regions through five agency locations (Carling, Paris/La Garenne-Colombes, Metz, Thionville, Reims). Its offering is organized around four service pillars: Financing (real estate credit, loan consolidation, investment strategy, life insurance placements), Life Security (borrower insurance, provident and family protection), Wealth Management (savings, retirement preparation, estate planning, asset transmission), and Tax Optimization (defiscalization, wealth structuring, income optimization). Delivery follows a four-step methodology — Analysis, Research, Implementation, and Follow-up — executed through in-person advisory engagements led by dedicated advisors.

The business model is commission-based: revenue is earned on financial products placed with partner institutions, including banks, insurers, and investment providers, rather than through disclosed advisory fees. Go-to-market is sales-led and relationship-driven, with client acquisition through the firm's website, direct phone inquiry, and likely referrals; client engagement centers on scheduled consultations at agency locations. Marketing channels are predominantly organic — a corporate website, LinkedIn, Facebook, and Instagram — supplemented by SEO. The competitive positioning emphasizes integration within the PERENITUDE ecosystem (heritage management, brokerage, real estate, tax optimization), 100% personalized accompaniment, a single point of contact, and a holistic view of the client's situation.

Operationally, the company has no disclosed technology products, proprietary platform, AI/ML capabilities, patents, certifications, or external funding. Its digital infrastructure consists of a WordPress-hosted website and standard analytics tooling. The legal structure is a private French SARL, with Teddy Fois named as publication director; no public ticker, no M&A activity, and no leadership transitions are documented in the available data. The firm is a sub-scale, regional player in the French patrimonial advisory market whose principal leverage points are group affiliation, multi-agency physical presence, and bundled product coverage rather than technology differentiation.

Name

Courtage Conseil de L'Est

Legal name

SARL FOIS

Website

https://courtage-conseil-est.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Courtage Conseil de l'Est is a French financial advisory and brokerage firm (SARL FOIS) that provides credit, insurance, wealth management, and tax optimization services to individuals and professionals across five agency locations in eastern France and Paris, operating as part of Groupe PERENITUDE.

Ownership category

akta.pro rank

Product category

Financial Advisory and Wealth Management Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Financial advisory services
• Wealth management
• Retirement planning
• Tax optimization
• Insurance brokerage

Headquarters

HQ city

Carling

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Financial Advisory and Brokerage Commissions: The company generates revenue through commissions and fees on financial products placed for clients, including real estate credit, credit restructuring, life insurance, investment products, borrower insurance, and provident insurance. As a brokerage firm integrated under the PERENITUDE group, they earn commissions from partner financial institutions and insurance providers when placing products for their clients.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Courtage Conseil de L'Est is a French financial advisory and brokerage firm that places financial products for its clients, including real estate credit, credit restructuring, life insurance, investment products, borrower insurance, and provident insurance. The company delivers personalized wealth management, retirement planning, estate transmission, and tax optimization advisory services through a four-step methodology (Analysis, Research, Implementation, Follow-up). It serves individuals and professionals across five agency locations in France as part of the PERENITUDE group ecosystem.

Product overview

Courtage Conseil de l'Est is a financial and wealth management advisory firm that operates as part of the PERENITUDE group. The company offers an integrated portfolio of four complementary service lines: (1) Financing solutions encompassing real estate credit, loan consolidation, and investment strategies; (2) Life Security products including borrower insurance, provident coverage, and family protection; (3) Wealth Management services covering savings, retirement planning, estate strategies, and asset transmission; and (4) Tax Optimization services for defiscalization and income optimization. The firm follows a four-step methodology—Analysis, Research, Implementation, and Follow-up—to deliver personalized financial and wealth strategies to both individuals and professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Financement adapté (Tailored Financing) Financing solutions including real estate credit, credit consolidation (rachat de crédits), investment strategy, life insurance, and savings placements, delivered to individuals and professionals through personalized advisory.
• Sécurité de vie (Life Security) Life and family protection products including borrower insurance, provident coverage, family protection, and contingency coverage, designed to protect clients and their families against life events.
• Patrimoine (Wealth Management) Wealth management services including savings and investments, retirement preparation, estate planning strategies, and asset transmission to help clients build and preserve long-term wealth.
• Optimisation fiscale (Tax Optimization) Tax optimization services including defiscalization, wealth structuring, investment guidance, and income optimization to help clients minimize tax burden and structure their assets efficiently.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• PERENITUDE GroupcoreStrategic or Co-development PartnerCourtage Conseil de l'Est is an integral part of the PERENITUDE group, an ecosystem specializing in heritage management, brokerage, real estate, and fiscal optimization. The company leverages the strength and expertise of this group to provide comprehensive financial and patrimonial solutions to its clients. PERENITUDE serves as the parent organization providing strategic direction, brand association, and operational support.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• BFM Patrimoine: BFM Patrimoine is a French wealth-advisory brand specializing in insurance placement, investment and real estate financing for individuals. It shares Courtage Conseil de l'Est's commission-based intermediation model across assurance and credit products.
• Crystal Finance: Crystal Finance is one of France's largest networks of independent banking and insurance brokerage cabinets serving individuals and professionals. Courtage Conseil de l'Est competes in the same 'cabinet de courtage' format, with a comparable mix of financing, assurance and patrimoine product placement via partners.
• Origeo (Groupe Origeo): Groupe Origeo is a French financial advisory group providing personal wealth-management and life-insurance solutions to individuals and professionals. Its integrated heritage and insurance brokerage model is structurally similar to Courtage Conseil de l'Est's patrimoine / sécurité de vie lines.
• Bourse des Crédits: Bourse des Crédits is a French mortgage and consumer-credit broker (courtier en crédit) operating across France. It is a direct competitor in the court's 'financement' line, arranging real estate loans, refinancing and insurance through partner banks.
• Quintésens Patrimoine: Quintésens is a French independent wealth-advisory (conseil en gestion de patrimoine) network with multi-product offerings spanning financing, insurance, investment and tax optimization. It uses a directly comparable multi-line advisory model targeting particuliers and professionnels.
• The Family Patrimoine: The Family Patrimoine is a French courtage en assurance and patrimoine advisory firm offering financement, prévoyance, transmission and optimisation fiscale. It targets the same individuals and professionals with a comparable bundled service offering.
• Advenias Patrimoine: Advenias is a French wealth-management and insurance brokerage firm (formerly AVIVA Patrimoine) serving individuals and professionals with a multi-line advisory offering. Its product placement and patrimoine advisory model closely mirrors the four-line structure of Courtage Conseil de l'Est.
• Netfinia: Netfinia is a French independent financial advisory firm offering personalized wealth-management, financing, insurance and tax-optimization services to individuals and business owners. Its regional multi-office structure and 'courtier en patrimoine' positioning are highly comparable to Courtage Conseil de l'Est.

Broad incumbents

• Meeschaert Gestion Privée: Meeschaert is a long-standing French independent wealth-management firm offering private asset management, family-office services, and heritage advisory. It overlaps with Courtage Conseil de l'Est on patrimoine and transmission services but at significantly greater scale and AUM.
• Cyrus Conseil: Cyrus Conseil is one of France's largest independent wealth-advisory firms offering financing, asset management, corporate advisory and family-office services. It is a much larger incumbent that competes head-to-head in patrimoine, financing and tax-optimization mandates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CourtageConseilDeLEst
• LinkedInlinkedin.com/company/courtage-conseil-de-l-est
• Instagraminstagram.com/courtage_conseil_est

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Courtage Conseil de L'Est