What mes‑placements.fr does

Meilleurtaux Placement, operating under the brand mes-placements.fr, is a French digital wealth management platform serving individual retail savers and investors across metropolitan France. The company distributes a comprehensive suite of savings and investment products including multi-support life insurance contracts (assurance vie) — Meilleurtaux Placement Vie 2 and Meilleurtaux Essentiel Vie — the Meilleurtaux Liberté PER (individual pension savings plan), a private brokerage service (Meilleurtaux Bourse Privée with PEA and CTO sub-accounts), SCPI real estate vehicles, tax-advantaged vehicles (FIP Corse, FIP Outre-Mer), dated funds (Meilleurtaux Global Horizon 2032), and structured products tied to private credit and European defense themes (Sienna Dette Privée Défense Europe, Blackstone Crédit Privé Europe SC). Assets are custodied with established French insurance partners (Spirica, Generali, Suravenir, La France Mutualiste) and the platform is regulated by ACPR and AMF.

The proprietary technology stack centers on a web platform and native iOS/Android mobile application that consolidates contract tracking, performance monitoring, and re-investment workflows across all product types. The "Pilot" (Gestion pilotée) discretionary management service, launched April 20, 2023, provides risk-profiled allocation across four profiles (Prudent, Balanced, Dynamic, Ambitious), managed by an investment committee chaired by Marc Fiorentino, a prominent French financial commentator. A separate HNW-focused offering, MX Family Office, extends the platform toward private banking clients with fee-free digital advisory.

The revenue model is predominantly fee-based: the platform charges 0% entry/contribution fees as a differentiator versus traditional wealth managers, then recurs on 0.5% annual management fees on unit-linked (UC) investments and on negotiated management-fee sharing with insurance partners. Distribution is hybrid — fully online self-service, phone-based expert advisory (01 47 20 33 00), seven physical agencies across France, and a referral/ambassador program driven by Marc Fiorentino's daily economic newsletter. The firm reports over 65,000 clients and a Trustpilot rating of 4.7/5 across 3,478 reviews, with a lean headcount of 11-50 employees and dual offices in Rennes (HQ) and Paris.

Name

mes‑placements.fr

Legal name

Meilleurtaux Placement

Website

https://mes-placements.fr

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Meilleurtaux Placement is a French digital wealth management platform serving over 65,000 retail clients with assurance vie, PER retirement, brokerage, SCPI, and tax-optimized investments, distributed through a proprietary web and mobile app, phone advisors, and 7 physical agencies nationwide.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Securities and Commodity Contracts Intermediation and Brokerage (5231), Insurance Agencies and Brokerages (524210)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)

Keywords

• Wealth management
• Financial advisory
• Asset management
• Savings platform
• Life insurance brokerage

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Management fees from insurance partners: Meilleurtaux Placement earns revenue through negotiated management fee arrangements with insurance company partners (Spirica, Generali, Suravenir, La France Mutualiste). The platform offers products with 0% entry fees and 0.5% management fees on unit-linked investments.
2. Insurance life products distribution: Distribution of insurance life (assurance vie) products, SCPI (real estate investment trusts), PER (retirement savings plans), and other savings products with fee-based or commission-based arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

mes-placements.fr is a French online savings and wealth management platform that provides advisory, brokerage, and asset allocation services to individual savers and wealth clients. It distributes life insurance contracts (including its own Mes-Placements Liberté and Mes-Placements Vie products), retirement savings (PER), PEA accounts, managed mandate products (Pilote), and discretionary wealth management services via MX Family Office for high-net-worth clients. The platform also includes a proprietary trading app for individual stock and ETF orders.

Product overview

Meilleurtaux Placement is a multi-product wealth management platform operating as a web and mobile application, offering French retail investors a comprehensive suite of savings and investment products under a single advisory umbrella. The core product is Meilleurtaux Placement Vie 2, a multi-support life insurance contract (assurance vie) managed by Spirica, supplemented by Meilleurtaux Essentiel Vie as a simplified variant. Adjacent to insurance, the platform offers the Meilleurtaux Liberté PER for retirement savings, Meilleurtaux Bourse Privée (with PEA Meilleurtaux and CTO Meilleurtaux) for direct equity investing, and structured products (Meilleurtaux Global Horizon 2032, Sienna Dette Privée Défense Europe, Blackstone Crédit Privé Europe SC). SCPI investment is available both directly and within insurance wrappers (Sofidynamic, Transitions Europe, Épargne Pierre Europe, SC MeilleurImmo). Tax-advantaged products include FIP CORSE and FIP Outre-Mer. A digital savings account (Livret Meilleurtaux) and MX Family Office (premium advisory service) round out the offering. The Gestion pilotée Pilot provides discretionary management across four risk profiles. Assets are custodied with partner insurers (Spirica, Generali, Suravenir, La France Mutualiste). The company is regulated by ACPR and AMF, and serves over 65,000 clients across 7 physical agencies in France.

Differentiator

Problem solved

Functional benefit

Brands

• MX Family Office: Premium family office services offering exclusive digital accompaniment without fees, including private wealth management, corporate treasury, and patrimonial credit services
• Meilleurtaux Placement Vie 2
• Meilleurtaux Essentiel Vie
• Meilleurtaux Liberté PER
• Meilleurtaux Bourse Privée
• Pilot
• Le DealClub
• Meilleurtaux Global Horizon 2032

Products and services

• Mes-Placements Liberté Online life insurance / multi-support savings contract designed for individual savers, with no entry fees and a 0.5% management fee on euro funds and unit-linked supports.
• Mes-Placements Vie In-house life insurance / capitalization contract offered alongside Mes-Placements Liberté to broaden the savings offering on the platform.
• Plan d'Épargne Retraite (PER) Individual retirement savings plan distributed through the platform to help clients build a supplementary retirement pot with tax-advantaged contributions.
• Plan d'Épargne en Actions (PEA) French tax-wrapped equity savings account offered to clients to invest in European equities and funds.
• Pilote (gestion pilotée) Managed / pilot asset allocation mandate within supported savings envelopes, providing automated discretionary allocation aligned to the client's profile.
• mes-placements.fr trading app Proprietary mobile trading application for individual investors to place orders on stocks and ETFs with low-cost execution.
• MX Family Office Discretionary wealth management and family-office style service targeted at high-net-worth clients, delivered through seven physical agencies in France and the digital platform.

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Marc FiorentinocoreStrategic or Co-development PartnerFinancial commentator and advisor leading investment committee. Provides daily economic newsletter and strategic direction for managed allocation products (Pilot). Key brand ambassador and thought leader.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• BforBank: Premium online bank (Crédit Agricole subsidiary) offering investment, savings, and wealth products to French clients. Comparable to Meilleurtaux Placement across retail wealth and assurance vie, but with stronger parent-bank balance sheet and broader banking products.

Direct peers

• Nalo: French digital wealth manager offering personalised managed portfolios (life insurance, PEA, CTO, PER). Directly comparable as a tech-forward, advisor-supported retail investment platform serving French clients across similar product lines.
• Boursorama Banque: One of the largest French online banks/brokers (Société Générale subsidiary) offering assurance vie, PEA, CTO, and savings products with a digital-first proposition. Direct competitor for French retail wealth and brokerage customers with comparable zero-fee or low-fee positioning.
• Fundshop: French life insurance and SCPI comparison/distribution platform targeting retail savers. Comparable in product scope (assurance vie, SCPI) and digital-led acquisition, though it leans more heavily on comparison/aggregator than advisory.
• Mon Petit Placement: French digital investment platform offering life insurance and savings products with low entry fees to retail French savers. Closely comparable in target customer (mass-affluent retail), pricing model, and digital distribution.
• Yomoni: French robo-advisor offering discretionary managed portfolios and retirement savings (PER). Closely comparable to Meilleurtaux Placement's Pilot managed allocation service and PER, but more narrowly focused on automated management without broader insurance distribution.
• Fortuneo: Online bank and broker (Crédit Mutuel Arkéa subsidiary) providing assurance vie, bourse, PEA, CTO and savings products to French retail savers via digital channels, with comparable pricing and product breadth to Meilleurtaux Placement.
• Saxo Banque (France): French branch of Saxo Bank offering brokerage, PEA, CTO and wealth products to retail and professional clients. Comparable digital platform competing for self-directed French retail investors across similar product breadth.

Emerging players

• Linxo: French personal finance management and account aggregation platform, now backed by Crédit Agricole. Comparable digitally led French fintech serving retail savers, though more focused on PFM/aggregation than active product distribution.
• Harvest: French wealthtech providing digital tools and back-office solutions to wealth advisors and family offices. Adjacent peer sharing the French wealth management ecosystem and overlapping customer base (advisors serving HNW clients).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/meilleurtaux
• LinkedInlinkedin.com/company/meilleurtaux
• Instagraminstagram.com/meilleurtaux
• Facebookfacebook.com/MesPlacements.fr
• Xx.com/mesplacements

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 mes‑placements.fr