Laplace

What Laplace does

Laplace is a French independent private wealth management advisory firm operating as the primary wealth management brand within the Crystal Group, an independent financial services conglomerate founded in 1992 and headquartered in Montpellier, France. The firm advises approximately 100,000 client families on structuring, optimizing, and transmitting their wealth, with 28 billion euros in assets under advisory and 1,000 employees across 35 metropolitan French offices and 10 international locations. Its core offerings include 360-degree wealth advisory (Conseil Patrimonial & Social), a multi-family office service (Maison Laplace), and a comprehensive product platform spanning financial investments (life insurance, securities accounts, discretionary mandates, structured products), real estate (SCPI, rental property, mortgage financing), private equity and non-listed assets, and individual/group insurance and protection products.

Laplace distributes its services through dedicated relationship managers and via an interprofessional referral network of 600 legal and accounting professionals (notaries, accountants) developed since 1987. Specialized sub-brands address niche personas: Laplace Sport serves professional athletes, while dedicated practices serve French expatriates, protected adults (Majeurs Protégés), business leaders, and associations and foundations. Revenue is generated through recurring advisory and management fees, transaction-based commissions on financial product distribution (assurance-vie, securities accounts, SCPI, private equity), and recurring premiums from insurance and protection products. Pricing is individualized based on client wealth and service complexity rather than standardized.

The firm's recent strategy is defined by aggressive consolidation: Crystal Group has executed 40 external growth operations since 2021, acquiring independent wealth advisors across French regions and rebranding them under the Laplace platform (subsidiaries include Opti Finance, Armonial Partners, Primonial Gestion Privée, Alpes Patrimoine Conseil, among many others). The group also runs L'Académie Laplace, an educational content platform, and operates the Espace Client client portal as a digital touchpoint. Laplace's primary differentiation rests on independence from financial product manufacturers, a multi-disciplinary advisory approach, and dense physical distribution in France combined with international capabilities for expatriate clients.

Name

Laplace

Legal name

LAPLACE Société par actions simplifiée (SAS)

Website

https://laplace-groupe.com

Company type

Private

Founded year

1992

Operating status

Operating

Short description

Laplace is a French independent private wealth management advisory firm serving 100,000 families with 28 billion euros in assets under advisory, operating as the wealth management brand of Crystal Group through 35 French and 10 international offices, and offering multi-family office, financial advisory, and consolidated financial product distribution.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Offshore & International Private Banking (FSAAABAB), Affluent / Mass-Affluent Private Banking (FSABADAC)

Keywords

• Wealth management advisory
• Private financial planning
• Multi-family office
• Estate planning services
• Investment advisory

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory and Management Fees: Fees for financial advisory services, wealth management consulting, and ongoing portfolio management services
2. Financial Product Distribution: Commissions and distribution fees from insurance products (assurance-vie, capitalisation contracts), financial investments (comptes-titres, PEA, mandates, structured products), real estate investments (SCPI/OPCI), and private equity/non-coted products
3. Insurance and Protection Products: Revenue from individual and collective health and prévoyance (protection) insurance products

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Laplace provides independent private wealth management advisory to high-net-worth individuals and families in France and internationally. Core services include comprehensive patrimonial advisory (legal, fiscal, social, financial), multi-family office services (Maison Laplace), financial investment distribution (life insurance, securities accounts, PEA, discretionary mandates, structured products), real estate investment solutions (SCPI, rental property), private equity/non-listed assets, and individual/collective insurance/prudential products.

Product overview

Laplace is a private wealth management advisory firm and brand of the Crystal Group, operating a platform-plus-modules architecture. The core offering centers on Maison Laplace (multi-family office) and Conseil Patrimonial & Social advisory services, supported by a client portal (Espace Client). The product suite spans financial investments (life insurance, securities accounts, structured products, discretionary mandates), real estate (SCPI, rental property, mortgage financing), private equity and non-listed assets, and insurance/prudential solutions. Specialized sub-brands address specific client segments: Laplace Sport for professional athletes, expatriate services, protected adults, business leaders, and associations/foundations. L'Académie provides educational content supporting the advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• Maison Laplace: Multi-family office service representing the perfect balance between the exceptional service of a private bank and the entrepreneurial spirit of a human-scale structure
• Laplace Sport
• Laplace à l'International

Products and services

• Maison Laplace (Multi-Family Office) Premium family office service combining private banking-level service quality with the entrepreneurial spirit of a human-scale structure, designed for high-net-worth families seeking multi-generational wealth management.
• Conseil Patrimonial & Social 360-degree advisory services covering legal, fiscal, social, and professional topics for comprehensive wealth management strategy.
• Bilan Patrimonial Comprehensive wealth assessment service to evaluate financial situation, goals, and develop personalized wealth management strategies.
• Conseil et Ingénierie Financière Luxembourgeoise Tailored advisory and financial engineering services for Luxembourg-based investments and structures.
• Laplace Sport Specialized wealth management services for professional athletes, addressing patrimonial needs before, during, and after their careers in France and internationally.
• Accompagnement des Dirigeants d'Entreprise Specialized advisory for business leaders covering business development, enterprise transmission, and family protection.
• Accompagnement des Français Expatriés Specialized services for French nationals living abroad covering civil, succession, fiscal, investment strategy, insurance, and retirement planning.
• Accompagnement des Majeurs Protégés Wealth management services for individuals under legal protection measures (tutelle/curatelle), with expertise in working with legal guardians.
• Accompagnement des Associations et Fondations Advisory and investment services tailored for associations and foundations addressing long-term structural and wealth management needs.
• Contrats d'Assurance-Vie Life insurance contracts as part of financial investment offerings distributed by Laplace advisors.
• Mandats de Gestion Discretionary management mandates allowing professional management of client assets.
• SCPI / OPCI Real estate investment trusts (SCPI/OPCI) providing access to professional property investments.
• Non-Coté / Private Equity Private equity and non-listed asset investments providing portfolio diversification decoupled from public stock markets.
• Solutions de Prévoyance Individual and collective insurance solutions for protection against life contingencies including death, disability, and health risks.
• Espace Client Laplace Client portal providing visualization of assets held through Laplace's intermediary services, accessible via web login with credentials provided by advisors.

Quantifiable outcome

• Managing 28 billion euros in assets under advisory for 100,000 families
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered minor and core.

• Héron Conseil (ex-COREP)minorStrategic or Co-development Partner · 7 May 2025Acquisition by Crystal and its Laplace private management pole in the Hauts-de-France region, based in Villeneuve-d'Ascq. Represents external growth expansion in the northern France territory.
• Crystal GroupcoreOthersLaplace is a brand of the Crystal Group, a leading independent wealth management company in France since 1992. Crystal Group provides the organizational framework, scale advantages, and brand positioning for Laplace, with 28 billion euros in assets under advisory.
• Notaries and Legal Professionals (Interprofessionnalité)coreChannel Partner/ Reseller/ DistributorSince 1987, Laplace has been the privileged partner of legal and accounting professionals for wealth management advisory services. The interprofessional network encompasses notaries and legal professionals who refer clients requiring wealth management services, with 600 such partners.
• Accountants (Experts-comptables)coreChannel Partner/ Reseller/ DistributorPartnership network with accounting professionals who refer business-owning clients requiring comprehensive wealth management services, integrated into the interprofessional program since 1987.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Rothschild & Co (Paris): Global private banking and wealth management group with significant French operations serving UHNW families — broader investment banking parent but comparable private wealth and family office services to Maison Laplace.
• Indosuez Wealth Management: Crédit Agricole's private banking arm serving HNW/UHNW clients in France and internationally — overlaps with Laplace's advisory and discretionary mandates but operates with bank balance-sheet support and broader product set.
• Edmond de Rothschild (France): Private banking and wealth management incumbent serving UHNW clients in France with broader international reach and balance-sheet capabilities — overlaps with Laplace's UHNW advisory but at greater scale and brand prestige.
• Lazard Frères Gestion: French arm of global advisory and asset management firm offering private client investment management and advisory to HNW clients — broader investment banking parent but comparable private wealth offering.

Emerging players

• Nalo: French digital wealth manager offering automated, algorithm-driven portfolio advisory to mass-affluent clients — adjacent competitor that pressures the lower end of Laplace's addressable market with a digital-first model.
• Yomoni: French robo-advisor providing low-cost automated wealth management and life insurance wrappers — competes for the same French mass-affluent segment that Laplace targets with its traditional advisor-led model.

Direct peers

• Meeschaert: Independent French family-owned wealth manager offering private banking, asset management, and family office services to HNW families — highly comparable independent positioning and multi-generational client focus to Laplace.
• Cyrus Conseil: French independent wealth management advisor serving HNW families and entrepreneurs with personalized advisory, financial engineering, and family office services — directly comparable business model and client base to Laplace.
• Primonial: One of France's largest independent wealth management groups offering advisory, asset management, and insurance distribution to HNW/UHNW clients — directly comparable in product breadth, target customer, and independent distribution model to Laplace/Crystal.

Regional players

• Bourse Direct: French online brokerage serving self-directed retail investors with securities accounts and PEA — overlaps with Laplace's compte-titres and PEA products at the lower-asset, more transactional end of the market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/laplace_groupe
• YouTubeyoutube.com/@laplace-groupe
• LinkedInlinkedin.com/company/laplace-groupe
• Instagraminstagram.com/laplace_groupe/?igshid=YmMyMTA2M2Y=

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries68 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 Laplace