France Loire

What France Loire does

France Loire is a French social housing operator (SA HLM - Société Anonyme d'Habitations à Loyer Modéré) founded in 1967 and headquartered in Orléans, operating across the Cher and Loiret departments of the Centre-Val de Loire region, with recent expansion into Eure-et-Loir. As a subsidiary of Groupe Arcade-VYV, the 4th largest social housing group in France, France Loire manages approximately 13,105 rental units housing 25,000 tenants across 147 communes, with a workforce of approximately 200 employees. The company also operates property sales programs and two wholly-owned subsidiaries: La Ruche Habitat (Loiret home ownership) and Jacques Coeur Habitat (Cher social housing, acquired July 2016).

The company's service portfolio includes core social housing rental (regulated rents ranging €181-790/month), property sales with preferential tenant terms (no agency fees, reduced notary fees, up to 5% loyalty discount), and specialized offerings including the My'Appart student colocation program (€355/month all-inclusive), Béguinages Seniors independent senior communities with VYV 3 animators, and the proprietary Mon Logement Santé health-focused housing label developed by parent Groupe Arcade-VYV with 40 commitments. Supporting technology infrastructure includes the Mon Agence en Ligne 24/7 tenant portal for rent payment and administrative requests, the Flo'&Vous customer service center, and a Festival de la Santé community health initiative partnering with 90+ local health organizations. The company has obtained AFNOR Engagé RSE certification, scored 83/100 on the 2025 Gender Equality Index, and achieved 87% tenant satisfaction in 2024.

France Loire's business model combines regulated recurring rental income (the primary revenue stream) with one-time property sales, subsidiary development revenue, and a growing portfolio of value-added services (Senioradom teleassistance, Klaro financial aid platform, VYV Conseil home insurance). Distribution operates through 7 physical agencies, the online portal, call centers, and integration with the national demande-logement-social.gouv.fr platform. The go-to-market combines direct-to-consumer acquisition through physical locations and community events with sales-led property purchase processes and CALEOL (Commission d'Attribution des Logements) rental attribution partnerships. The company is preparing to transform into a Société à Mission in 2025, embedding its social and environmental utility into governance, while executing the Authentique Bâtisseur corporate project initiated under Director General Morgan Blin's 2021 leadership transition.

Name

France Loire

Legal name

SA HLM France Loire

Website

https://franceloire.fr

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

101–250 employees

Short description

France Loire is a French social housing operator (SA HLM) managing approximately 13,105 rental units across 25,000 tenants in the Cher, Loiret, and Eure-et-Loir departments. As a subsidiary of Groupe Arcade-VYV, it offers affordable rentals, property sales, student colocation, and senior housing.

Ownership category

akta.pro rank

Product category

Social Housing

NAICS

Services to Buildings and Dwellings (5617)

SIC

Real Estate Agents & Managers (For Others) (6531), Real Estate (6500)

akta.pro primary industry

Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD)

akta.pro secondary industry

Affordable Housing Property Management (BPAJAGAJ)

Keywords

• Social housing rentals
• Affordable housing management
• Property development services
• Student colocation housing
• Senior independent living

Headquarters

HQ city

Orléans

HQ country

France

HQ region

Europe

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Infrastructure, Operations, Marketing or Sales, Others

Revenue model

1. Social Housing Rentals: Primary revenue stream from renting social housing units (apartments and houses) to qualifying tenants. Rent is regulated and based on income thresholds.
2. Property Sales: Sale of existing social housing properties to tenants and other buyers, with preferential conditions for existing tenants (fidelity discount up to 5%, priority acquisition).
3. La Ruche Habitat (Subsidiary): New property development and sales through subsidiary La Ruche Habitat, including ecoquartier developments and wood construction housing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

France Loire is a French social housing company (SA HLM) that rents and sells regulated social housing units (apartments and houses) across the Cher and Loiret departments. It supplements core rentals with specialized branded programs including student colocation (My'Appart), senior béguinage communities, home ownership through subsidiary La Ruche Habitat, and the Mon Logement Santé health-focused housing label. The company also offers value-added resident services such as teleassistance, medical equipment, and home insurance through partnerships with the broader VYV group ecosystem.

Product overview

France Loire operates as a social housing company (SA HLM) within the Groupe Arcade-VYV, offering a comprehensive portfolio of housing solutions. The core offering centers on rental and purchase of social housing (apartments and houses) across Cher (18) and Loiret (45) departments, supplemented by digital services (Mon Agence en Ligne tenant portal), specialized housing brands (Mon Logement Santé health-focused housing, My'Appart student coliving from 355/month, Béguinages Seniors independent senior communities), and subsidiary La Ruche Habitat for home ownership. Additional services include Flo'&Vous customer support, Services Plus (teleassistance, medical equipment, insurance), and community programs like the Festival de la Santé.

Differentiator

Problem solved

Functional benefit

Brands

• La Ruche Habitat: Subsidiary of France Loire focused on housing development in the Loiret department
• Mon Logement Santé
• My'Appart
• Béguinages Seniors

Products and services

• Social Housing Rental and Purchase Rental and purchase of social housing apartments and houses across the Cher (18) and Loiret (45) departments, with regulated rents based on income criteria and property sales with no agency fees and reduced notary fees. Includes construction, rehabilitation, and subdivision development services for qualifying tenants and buyers.
• My'Appart Student Colocation
• Béguinages Seniors Independent Senior Housing Innovative senior housing combining independent living with village community life, featuring single-story homes, common areas, shared gardens, and five-day-per-week animator presence through VYV 3 Centre-Val de Loire partnership. Targeted at autonomous seniors aged 60 and over seeking adapted housing with social connections.
• La Ruche Habitat Home Ownership

Quantifiable outcome

• 87% overall tenant satisfaction rate in 2024
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

17 partnerships are on record, tiered core and minor.

• La Ruche Habitat (Subsidiary)coreStrategic or Co-development Partner · 1 December 2024Subsidiary specialized in new property development and home ownership, including ecoquartier developments and wood construction housing. Joined France Loire and Groupe Arcade in 2000s.
• Institut Les Cent ArpentscoreStrategic or Co-development Partner · 1 June 2024Partnership for innovative housing projects including PMR-adapted homes in Saran, co-developed with future residents.
• Croix-Rouge FrançaisecoreStrategic or Co-development Partner · 1 May 2024Charitable organization partnership for supporting vulnerable populations and developing social housing solutions in Loiret territory.
• Groupe Arcade-VYVcoreStrategic or Co-development Partner · 1 March 2022Parent group (4th largest social housing group in France). France Loire is a subsidiary of Groupe Arcade-VYV, which combines housing and health expertise. VYV group includes mutual insurance, health services, and social housing divisions.
• VYV 3 Centre-Val de LoirecoreStrategic or Co-development Partner · 1 March 2022First social economy actor in the region, specializing in aging prevention. Provides animators for béguinage senior residences 5 days per week, managing collective life activities, sports, leisure, and cultural programs.
• Association Le RelaiscoreStrategic or Co-development Partner · 28 October 2019Social solidarity association partnership for 'Habitat Accompagné' convention, supporting people in major economic and social difficulties. Also created 'Le Clos des Roses' family pension with 21 apartments.
• Groupement de Gendarmerie du CherminorGTM or Marketing Partner · 18 September 2019Security partnership for residential tranquility and public safety, benefiting social housing tenants in Cher department through a signed convention.
• Direction Départementale de la Sécurité Publique du CherminorGTM or Marketing Partner · 18 September 2019Security partnership for residential tranquility in Bourges and Vierzon agglomerations, signed with local police authorities.
• APF France HandicapcoreStrategic or Co-development Partner · 29 June 2019Partnership to promote inclusive and solidarity-based housing for current and future tenants with disabilities in Cher and Loiret departments. Focus on accessible housing and social inclusion.
• Jacques Coeur HabitatcoreOthers · 1 July 2016Acquired in July 2016, expanding France Loire's presence in Cher department. Previously operated as S.A. d'HLM de Saint-Amand-Montrond, société Berry Sologne, and Jacques Coeur Habitat.
• VYV Equipement MédicalminorChannel Partner/ Reseller/ DistributorMedical equipment provider for adapted housing solutions. Offers equipment to facilitate home support and daily autonomy for residents.
• Action LogementcoreChannel Partner/ Reseller/ DistributorNational housing organization providing financial aids for tenants: Mobili-Jeune (for apprentices), Mobili-Pass (mobility grants), Avance Loca-Pass (security deposit), Garantie Loca-Pass (rent guarantee).
• Orléans MétropolecoreStrategic or Co-development PartnerMetropolitan authority partnership for housing development, including priority neighborhoods (QPV) and sustainable urban development projects.
• SenioradomminorChannel Partner/ Reseller/ DistributorTeleassistance service available 24/7 for fall or malaise detection at home or outside, providing peace of mind and security for seniors.
• KlarominorChannel Partner/ Reseller/ DistributorFinancial aid platform helping residents identify over 1,500 national, regional, or local financial aids for housing, employment, mobility, and family.
• VYV ConseilminorChannel Partner/ Reseller/ DistributorInsurance partner offering Solidary Home Insurance with comprehensive coverage and simplified procedures for residents.
• Festival de la Santé Partners (CH de Vierzon, CPTS Berry Vierzon Sologne, CPAM du Cher, Addictions France, etc.)minorGTM or Marketing PartnerHealth festival partnerships with over 30 local health organizations, associations, and institutions providing screenings, prevention services, and health information to residents.

Scale indicators12 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Erilia: Major French social housing operator (SA HLM) managing approximately 80,000 units, primarily in southern France. Operates the same HLM business model with similar regulated rents, property sales, and tenant services, making it a direct comparable to France Loire.
• Groupe Gambetta: French social housing and property development group operating approximately 50,000 units. Comparable as a family-owned HLM operator with both rental social housing and property development (accession) activities, similar to France Loire's hybrid model.
• Batigère: Major French social housing group operating primarily in eastern France, managing around 70,000 units. Comparable HLM mission, regulated rental model, and property development activities, with similar scale and diversified tenant offerings.
• 1001 Vies Habitat: French social housing operator managing approximately 90,000 units, owned by Action Logement. Same HLM business model with rental, accession, and development offerings, making it a direct comparable at similar scale.
• Vilogia: Major French social housing operator (ESH) managing around 85,000 units primarily in northern France. Comparable HLM-equivalent operating model with rental, property sales, and development activities, and similar tenant-focused service offerings.
• ICF Habitat: Social housing subsidiary of the SNCF group, managing over 100,000 units across France. Operates under the same HLM framework with comparable rental, sales, and development activities; particularly relevant comparable as a subsidiary of a larger parent group.
• Logirem: French social housing operator (ESH) managing approximately 25,000 units primarily in southern France. Highly comparable in scale to France Loire (13,105 units), operating the same regulated rental model with similar tenant services and geographic focus.

Regional players

• Domofrance: French social housing operator (ESH) managing approximately 35,000 units primarily in Nouvelle-Aquitaine. Comparable as a regional HLM operator with similar size and mission, but concentrated in a different geography from France Loire.

Broad incumbents

• CDC Habitat: France's largest social housing operator, part of the Caisse des Dépôts group, managing over 500,000 units nationwide. Comparable as a major HLM operator, but at much greater scale and national scope, with broader product portfolios including intermediate and free-market housing.

Others

• Groupe Arcade-VYV: Direct parent company of France Loire, the 4th largest social housing group in France, combining housing and health mutual expertise. Comparable as the parent group whose scale and integrated health-insurance capabilities directly underpin France Loire's competitive positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCg88ERcu9FmdzWHxJ1QORCA
• Facebookfacebook.com/France-Loire-113696900279539
• LinkedInlinkedin.com/company/france-loire
• Xx.com/FranceLoire

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 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 France Loire