CF Profina
CF Profina is a Paris-based private financial intermediary that structures Girardin industriel tax-optimization investments for French taxpayers, financing industrial equipment for SMEs in French overseas territories (DOM-COM). It manages roughly €1B in cumulative SNC structures across ~3,000 investors and €100M in annual SME financing.
- Company typePrivate
- Founded1993
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CF Profina does
CF Profina is a Paris-based private SAS company founded in 1993 (originally as Profina, later rebranded) that operates as a specialized financial intermediary in the French Girardin industriel tax optimization market. The company structures investments in new industrial equipment purchased by small and medium enterprises (SMEs) in French overseas territories (DOM-COM), enabling metropolitan French taxpayers to obtain income tax reductions capped at €40,900 per year in exchange for providing capital that finances those equipment purchases via SNC (Société en Nom Collectif) vehicles. The company manages approximately €1 billion in cumulative investment structures, facilitates roughly €100 million in direct SME financing annually, and has built over 3,000 SNCs covering more than 10,000 tenant relationships.
The product portfolio comprises two core Girardin offerings — Girardin industriel de plein droit for standard equipment under €250,000 in sectors such as agriculture, BTP, personal services, and audiovisual production; and Girardin industriel avec agrément for higher-value equipment or transport/renovation sectors requiring prior fiscal approval. These are complemented by an online tax reduction simulator (Simulateur), ClubFunding real estate bond offerings (created in 2015 as a sibling crowdfunding platform), and investor management services delivered through partner CF Gestion. Distribution is sales-led, with expert advisors in five regional offices across Paris and the overseas territories (Guadeloupe, Martinique, Guyane, Réunion), supplemented by an online simulator for preliminary engagement and a referral channel through private bankers and wealth advisors.
The business model generates revenue primarily through management and structuring fees on SNC operations (professional services), with secondary transaction fees on ClubFunding bond placements. Pricing is personalized to each investor's tax situation, with risk diversified across approximately 12 co-investors per SNC and potential yields up to 15%. The company is led by Louis Bauvillard (Directeur Général), with Nora Safsaf as Directrice Générale of PROFINA, Sarah Mhibik heading sister-entity COFAG, and Elisabeth Osiowski-Peronnin as HR Director. The enterprise operates within the broader Groupe FBP alongside subsidiaries CF Gestion and ClubFunding, with the entire business model contingent on continued EU authorization of the French overseas tax aid regime, currently extended through December 31, 2027.
CF Profina firmographics
Firmographics- Name
- CF Profina
- Legal name
- CF Profina
- Website
- https://cf-profina.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CF Profina is a Paris-based private financial intermediary that structures Girardin industriel tax-optimization investments for French taxpayers, financing industrial equipment for SMEs in French overseas territories (DOM-COM). It manages roughly €1B in cumulative SNC structures across ~3,000 investors and €100M in annual SME financing.
- Ownership category
- akta.pro rank
CF Profina industry classification
Industry- Product category
- Tax-Advantaged Investment Management
- NAICS
- Investment Banking and Securities Intermediation (523150), Other Financial Vehicles (52599)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Development Finance & Blended Finance Facilities (BPADAOAD)
- akta.pro secondary industry
- Private Sector & Blended Finance Arms (IFC-type) (BPADACAJ)
Keywords
Where CF Profina is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices6 records
Markets served
CF Profina business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Girardin Investment Management: Facilitates tax reduction investments in overseas territories through Girardin industriel device. Revenue generated through management fees on SNC operations and investment structuring.
- Real Estate Investment Offerings: Partners with ClubFunding platform to offer real estate investment opportunities through bonds issued by the crowdfunding platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Girardin industriel de plein droit - investments up to €250,000 per SNC |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
CF Profina product offering
Product offeringCore offering
CF Profina structures and distributes Girardin industriel tax-advantaged investment vehicles, channeling capital from metropolitan French taxpayers into new industrial equipment for SMEs in French overseas territories (DOM-COM). Investors enter SNC (Société en Nom Collectif) structures that purchase and lease equipment, generating tax reductions of up to €40,900 per year plus yields up to 15%, while CF Profina earns structuring and ongoing management fees. The portfolio includes the de plein droit product for sub-€250,000 standard equipment and the avec agrément product for higher-value or regulated-sector investments.
Product overview
CF Profina operates as a specialized tax optimization investment platform offering Girardin industriel products for French overseas territories. The core portfolio consists of two main investment vehicles: Girardin industriel de plein droit (for standard equipment financing under €250,000 without approval) and Girardin industriel avec agrément (for higher-value equipment or specialized sectors requiring prior approval). These are complemented by an online simulator for investment calculation, ClubFunding bond offerings for real estate investments, and comprehensive investor management services through partner CF Gestion. The company supports investments across multiple DOM-COM territories including Guadeloupe, Martinique, Guyane, Réunion, Mayotte, New Caledonia, and French Polynesia, with typical yields reaching up to 15% and tax reduction caps of €40,900 per year.
Differentiator
Problem solved
Functional benefit
Products and services
- Girardin industriel de plein droit
Quantifiable outcome
- Tax reduction rates of 10-25% depending on investment timing
- +2 more outcomes
Companies that use CF Profina
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
CF Profina technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
CF Profina partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- ClubFundingcoreClubFunding is a crowdfunding platform created in 2015 and now the leader in its sector. It contributes to the development of the group by offering real estate investment opportunities through bonds, complementing CF Profina's Girardin offerings.
- COFAGcoreCOFAG & Associés is dedicated 100% to managing SNC structures, tenant relationships, investor AG convocations, and overall asset management. Elisabeth Osiowski-Peronnin oversees HR across CF Profina, COFAG, and ClubFunding.
- CF GestioncorePartner company ensuring long-term management of SNC structures in which investors hold shares, providing ongoing follow-up throughout the investment lifecycle.
Scale indicators7 records
Recent moves5 records
Expansion highlights5 records
CF Profina competitors and assessment
Company assessmentEmerging players
- Fundimmo: Real estate crowdfunding platform in France issuing bonds and equity-like instruments to individual investors. Overlaps with CF Profina's ClubFunding partnership and shares the French retail tax-optimization customer profile.
- Anaxago: French online alternative-investment and crowdfunding platform serving retail and high-net-worth investors with real estate and private debt deals. Comparable distribution model in adjacent product lines and shares the same investor base targeting tax-optimized investments.
- Wiseed: French crowdfunding platform offering real estate and private equity investment opportunities to retail investors. Comparable in serving French tax-aware investors with illiquid alternative investments, and competes with the ClubFunding arm of the FBP Group.
Broad incumbents
- Primonial: Large French wealth management group offering life insurance, real estate, and tax-optimization products including Girardin. Competes for the same HNW French investors but with a much broader product suite and larger balance sheet.
- Lazard Frères Gestion: Global financial advisory and asset management firm with a French private wealth management arm serving high-net-worth clients. Overlaps with CF Profina's high-income French taxpayer segment and broader wealth advisory mandate.
- Natixis Wealth Management: French private bank and wealth manager serving affluent and high-net-worth clients, including tax-optimization mandates. Broad incumbent competitor for CF Profina's private investor customer base, though not specialized in Girardin.
Direct peers
- Inter Invest: French specialist in Girardin industriel and overseas défiscalisation, offering nearly identical tax-reduction investment products to high-income French taxpayers. Closest direct peer by product, customer, and regulatory exposure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
CF Profina social profiles
Digital presenceCF Profina compliance and trust
Trust signalCompliance2 records
CF Profina financial estimates
Financial estimateRevenue estimate
Valuation estimate
CF Profina leadership team
Management profileNumber of profiles
Profiles5 records
CF Profina subsidiaries and ownership
Company hierarchySubsidiaries2 records
CF Profina funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CF Profina M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CF Profina
What does CF Profina do?
CF Profina structures and distributes Girardin industriel tax-advantaged investment vehicles, channeling capital from metropolitan French taxpayers into new industrial equipment for SMEs in French overseas territories (DOM-COM). Investors enter SNC (Société en Nom Collectif) structures that purchase and lease equipment, generating tax reductions of up to €40,900 per year plus yields up to 15%, while CF Profina earns structuring and ongoing management fees. The portfolio includes the de plein droit product for sub-€250,000 standard equipment and the avec agrément product for higher-value or regulated-sector investments.
Is CF Profina a public or private company?
CF Profina is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CF Profina founded?
CF Profina was founded in 1993. It employs 11 to 50 people.
Where is CF Profina based?
CF Profina is headquartered in Paris, France, in the Europe region.
How does CF Profina make money?
Two revenue lines are on record. Girardin Investment Management is the primary driver. The others are real Estate Investment Offerings.
Who are CF Profina's main competitors?
Emerging players on record are Fundimmo, Anaxago and Wiseed. Broad incumbents are Primonial, Lazard Frères Gestion and Natixis Wealth Management. Inter Invest is listed as a direct peer.
Does CF Profina have an API?
No public API is recorded for CF Profina.
What industry is CF Profina in?
CF Profina's product category is Tax-Advantaged Investment Management. Its primary akta.pro industry code is BPADAOAD, Development Finance & Blended Finance Facilities, with a secondary code of BPADACAJ, Private Sector & Blended Finance Arms (IFC-type). Its NAICS code is 523150 and its SIC code is 6211.