Oxion assurances and patrimoine

What Oxion assurances and patrimoine does

Oxion assurances et patrimoine is an independent wealth management and social protection advisory firm (cabinet de gestion de patrimoine et de courtage en assurances) operating from three physical offices in the Occitanie region of southern France, with headquarters in Perpignan and regional offices in Narbonne and Carcassonne. The legal entity SARL OXION is the data controller, while the website is owned by AM Conseil & Patrimoine and the insurance brokerage BVS Courtage (registered with ORIAS under no. 10 055 186 and supervised by the ACPR). The firm serves individuals, artisans, merchants, liberal professions, and SMEs/mid-market businesses, offering a unified advisory that combines wealth planning (savings, retirement, tax optimization, real estate, transmission) with social protection (individual and collective health, provident, dependency, key-person, and loan insurance).

The product set is delivered through certified advisors (CIF, ORIAS) and spans more than 40 line items, including PER, PEE/PERCO/PERO, PEA, life insurance, capitalization contracts, SCPI, service residence investment, Pinel/Malraux/FCPI/FIP/Girardin tax wrappers, and SCI/LMNP structures, alongside collective mutuelle and prévoyance, business continuity insurance, end-of-career indemnities, and Pacte Dutreil transmission engineering. Technology is limited to a WordPress-based website (oxion.fr), a client portal at my.wizio.fr, Google Analytics, and social plug-ins; there is no proprietary platform, AI capability, or online self-serve channel.

The business model is professional services combined with insurance brokerage: revenue is generated from commissions on placed insurance and financial products across a 24+ partner open-architecture ecosystem (including Swiss Life, AXA, Generali, CNP Assurances, Cardif, APRIL, Kaufman & Broad, Novaxia, Nortia, and several mutuals), supplemented by advisory fees on wealth, retirement, tax, and transmission engagements. GTM is sales-led and relationship-led: personalized consultations at the three offices, inbound via website contact form and phone, and word-of-mouth referrals, with no paid advertising, no online self-serve, and no product-led motion. Pricing is quote-based with no published fee schedule, and the firm emphasizes 100% independence from banks and insurers as a positioning pillar.

Name

Oxion assurances and patrimoine

Legal name

SARL OXION

Website

https://oxion.fr

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Oxion is an independent French wealth management and insurance brokerage firm advising individuals, professionals, and SMEs on savings, retirement, tax, real estate, and social protection from three offices in Perpignan, Narbonne, and Carcassonne in the Occitanie region.

Ownership category

akta.pro rank

Product category

Wealth Management and Insurance Advisory

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Wealth management advisory
• Insurance brokerage services
• Retirement planning advisory
• Social protection consulting
• Tax optimization advisory

Headquarters

HQ city

Perpignan

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance brokerage and advisory commissions: Oxion operates as an insurance broker (courtier en assurances) registered with ORIAS (no. 10 055 186), earning commissions from insurance and financial product providers for placed business. The firm also generates advisory fees from wealth management, retirement planning, tax optimization, and business succession engagements. As a registered insurance broker under ACPR supervision, revenue derives from commissions on placed insurance and financial products (health insurance, provident insurance, retirement plans, employee savings, death/temporary insurance, key-person insurance, loan insurance, etc.) and potentially retainer or fee-based advisory services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Oxion is an independent wealth management and social protection advisory firm operating from Perpignan, Narbonne, and Carcassonne in the Occitanie region of France. The firm delivers personalized advisory services covering savings development, real estate investment, tax optimization, retirement planning, wealth transmission, and corporate social protection (health, provident, key-person, and employee benefits). As an ORIAS-registered insurance broker (no. 10 055 186) supervised by the ACPR, it earns commissions from placed insurance and financial products and also collects advisory fees for tailored wealth-engineering engagements.

Product overview

Oxion is an independent wealth management and social protection advisory firm operating as a comprehensive service offering rather than a traditional software platform. The firm provides a unified advisory service combining two core offerings: Wealth Management (Gestion de Patrimoine) and Social Protection Advisory (Conseil en Protection Sociale). The wealth management arm encompasses retirement savings products (PER, PERIN, PEA), savings instruments (assurance vie, capitalization contracts, securities accounts), real estate investments (SCPI, service residences, Pinel/Malraux programs, SCI/LMNP structures), and tax optimization solutions (FCPI/FIP, Girardin Industriel, matrimonial arrangements). The social protection side covers individual insurance (health, provident, life/death, loan insurance, dependency, accident coverage) and collective solutions for businesses (mandatory health insurance, provident funds, PERO, PEE/PERCO). Specialized services address business needs including key person insurance, partner guarantees, operating expense coverage, end-of-career indemnities, and business succession planning (Pacte Dutreil, wealth engineering). The offering integrates regulatory compliance tools like DUERP and preventive services. All services are delivered through certified advisors (CIF, ORIAS) across three regional offices in Perpignan, Narbonne, and Carcassonne.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Development Advisory (Assurance Vie, Capitalisation, PEA, Compte Titres)

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

25 partnerships are on record, tiered minor.

• 123 Investment ManagersminorOthersListed as a partner on the Oxion website. Nature of partnership appears to be product/investment provider relationship for wealth management solutions.
• Groupe Finale DiffusionminorOthersListed as a partner on the Oxion website. Nature of partnership appears to be product/investment provider relationship.
• ICADminorOthersListed as a partner on the Oxion website. ICAD is a French real estate investment company (Société Civile de Placement Immobilier). Nature of partnership: SCPI/investment product provider.
• Kaufman & BroadminorOthersListed as a partner on the Oxion website. Major French residential real estate developer. Nature of partnership: new property development investment provider.
• Swiss LifeminorOthersListed as a partner on the Oxion website. Swiss Life is a major insurance and wealth management group. Nature of partnership: insurance and savings product provider.
• Consultim GroupeminorOthersListed as a partner on the Oxion website. Nature of partnership: real estate investment services provider.
• Prestige ImmominorOthersListed as a partner on the Oxion website. Nature of partnership: luxury real estate provider.
• UAF LifeminorOthersListed as a partner on the Oxion website. UAF Life is a life insurance company. Nature of partnership: life insurance and savings product provider.
• Abeille AssurancesminorOthersListed as a partner on the Oxion website. Abeille Assurances is a French insurance company. Nature of partnership: insurance product provider.
• Aésio MutuelleminorOthersListed as a partner on the Oxion website. Aésio Mutuelle is a French health insurance mutual. Nature of partnership: collective health insurance provider.
• NovaxiaminorOthersListed as a partner on the Oxion website. Novaxia is a real estate investment firm. Nature of partnership: real estate investment product provider.
• Atland VoisinminorOthersListed as a partner on the Oxion website. Atland Voisin is a French real estate investment company. Nature of partnership: SCPI and real estate investment provider.
• La Mutuelle GénéraleminorOthersListed as a partner on the Oxion website. La Mutuelle Générale is a French health insurance provider. Nature of partnership: collective health insurance provider.
• Alptis AssurancesminorOthersListed as a partner on the Oxion website. Alptis is a French insurance company focused on individual and professional insurance. Nature of partnership: insurance product provider.
• APRILminorOthersListed as a partner on the Oxion website. APRIL is an international insurance broker and underwriter. Nature of partnership: insurance product provider.
• MMAminorOthersListed as a partner on the Oxion website. MMA is a major French insurance company. Nature of partnership: insurance product provider.
• NortiaminorOthersListed as a partner on the Oxion website. Nortia is a French financial services network for wealth management advisors. Nature of partnership: financial services network/platform provider.
• Vie PlusminorOthersListed as a partner on the Oxion website. Vie Plus is a life insurance and savings specialist. Nature of partnership: life insurance product provider.
• Generali FranceminorOthersListed as a partner on the Oxion website. Generali is a major multinational insurance group. Nature of partnership: insurance product provider.
• Cardif (BNP Paribas Cardif)minorOthersListed as a partner on the Oxion website. Cardif is the insurance subsidiary of BNP Paribas. Nature of partnership: insurance product provider (creditor insurance, provident insurance, retirement).
• AXA FranceminorOthersListed as a partner on the Oxion website. AXA is a major multinational insurance company. Nature of partnership: insurance product provider.
• HennerminorOthersListed as a partner on the Oxion website. Henner is a French insurance broker specializing in collective insurance. Nature of partnership: employee benefits insurance provider.
• Apivia MacifminorOthersListed as a partner on the Oxion website. Apivia is a health and provident insurance mutual. Nature of partnership: health and provident insurance provider.
• NuomaminorOthersListed as a partner on the Oxion website. Nuoma is a real estate investment platform. Nature of partnership: real estate investment provider.
• CNP AssurancesminorOthersListed as a partner on the Oxion website. CNP Assurances is a major French personal insurance group. Nature of partnership: personal insurance and retirement product provider.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Nalo: French robo-advisor offering goal-based automated investment portfolios via assurance vie. Same investment-management end-customer as Oxion but via a fully digital model, illustrating the disruption vector facing traditional regional CGPs.
• Bourse Direct: Leading French online retail broker (PEA, compte-titres) serving self-directed investors. Adjacent to Oxion's securities account offering; relevant as the self-serve substitute for clients considering going around an advisor.
• Yomoni: French online wealth management (robo-advisor) offering automated ETF portfolio management (assurance vie, PER). Compares to Oxion as an emerging alternative to traditional CGPs, particularly threatening for the simpler savings/investment layer of the offering.
• Linxo (Powens): French fintech offering aggregation and embedded finance APIs used by banks and wealth managers; useful as the technology-stack comparator illustrating the digital infrastructure layer Oxion currently lacks.

Direct peers

• VFP Conseil: French network of independent wealth management advisors (CGP) combining financial advisory with insurance brokerage. Oxion and VFP share the same independent-CGP business model, CIF/ORIAS-equivalent certifications, and dual individual/business client focus.
• Cyrus Conseil: Independent French wealth management advisory firm (CGP) serving private and business clients with a multi-product wealth and protection offering. Comparable to Oxion in scope (gestion de patrimoine + protection sociale) and target client segments, but operating at national scale rather than regional.

Broad incumbents

• Primonial: One of France's largest independent wealth management groups, offering savings, retirement, real estate and advisory services across the country. Broader and more institutional than Oxion, but directly relevant as a benchmark for scale ambitions in independent wealth management in France.
• AXA France: Large French insurance group operating across life, health, retirement and wealth (also an Oxion partner). Represents both a partner and a competitive incumbent with direct distribution capability on overlapping products.
• CNP Assurances: Major French personal insurance and retirement group with significant savings, retirement and creditor-insurance portfolios (also an Oxion partner). Comparable incumbent at the institutional level of Oxion's product stack.
• Swiss Life France: Major French life insurance, retirement and wealth management group (also listed as an Oxion partner). A provider in Oxion's ecosystem today and a structural incumbent at the same addressable market with its own distribution networks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/oxion-gestion-patrimoine

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Oxion assurances and patrimoine