Les Comptoirs du Patrimoine

What Les Comptoirs du Patrimoine does

Les Comptoirs du Patrimoine is a French independent financial advisory and insurance brokerage firm operating as a commercial brand of ASTORIA FINANCE SAS, a privately held company headquartered in Paris (5-7 Rue de Monttessuy, 75007) with a regional office in Provence-Alpes-Côte d'Azur. The firm is registered with ORIAS under number 07 002 486 as an insurance broker, banking intermediary, and financial investment advisor (CIF), operating under AMF and ACPR oversight through ANACOFI-CIF. It serves French individual savers and investors — primarily mass-affluent and higher-net-worth clients — seeking life insurance, retirement savings, real estate (SCPI) investments, and patrimonial planning.

The company's core offering consists of three multi-support life insurance contracts distributed under correspondent or brokerage agreements: the AFER contract (the reference French life insurance product since 1976, with 746,000+ members and €55-57 billion in Guaranteed Euro Fund AUM), the Abeille Epargne Active contract (Abeille Assurances, formerly Aviva France), and the Generali Himalia contract. Beyond insurance, the firm distributes access to over 180 SCPI products for real estate diversification and offers both free educational resources and fee-based patrimonial studies (€1,500-€6,000 HT) and ongoing conventions (€280-1,440/year HT). The firm has no proprietary technology platform, no mobile app, and no public API — its distribution is advisor-led via two physical offices, a website (comptoirs-patrimoine.com), a referral/parrainage programme, and direct phone/email contact.

Revenue is generated through two streams: (1) retrocessions (commissions) on insurance and savings products distributed on behalf of partner insurers AFER, Abeille Assurances, and Generali, and (2) advisory fees for patrimonial studies and conventions layered on top of product-level fees. The firm does not publicly disclose revenue. It is led by Bruno De SEGUINS, President of ASTORIA FINANCE, and is independently operated under the ASTORIA FINANCE corporate umbrella without any identified venture capital or private equity ownership.

Name

Les Comptoirs du Patrimoine

Legal name

ASTORIA FINANCE

Website

https://comptoirs-patrimoine.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Les Comptoirs du Patrimoine is a Paris-based independent insurance broker and financial advisor (operating under parent ASTORIA FINANCE) that distributes multi-support life insurance contracts from AFER, Abeille Assurances, and Generali, plus SCPI investments, to French individual savers and mass-affluent clients seeking wealth management and estate planning advice.

Ownership category

akta.pro rank

Product category

Financial Advisory & Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

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

akta.pro primary industry

Trust & Estate Tax Planning & Compliance (FSAEAKAE)

akta.pro secondary industry

Variable Universal Life (VUL) Insurance (FSAIABAD)

Keywords

• Life insurance brokerage
• Wealth management advisory
• Retirement savings planning
• Financial investment advisory
• Estate planning services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others, Infrastructure

Revenue model

1. Commissions on insurance and savings product distribution: As an ORIAS-registered insurance broker (courtier d'assurance) and investment advisor (conseiller en investissements financiers), Les Comptoirs du Patrimoine earns commissions through retrocessions on savings and investment products distributed on behalf of partner insurers (AFER, Abeille Assurances, Generali). Fees are collected as a fraction of the charges initially levied by the product promoters and intermediaries. The firm also charges advisory fees for patrimonial studies and conventions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Les Comptoirs du Patrimoine is an independent insurance broker (courtier d'assurance) and financial investment advisor (conseiller en investissements financiers) that distributes multi-support life insurance contracts from partner insurers AFER, Abeille Assurances, and Generali to individual French savers and investors. The firm provides personalized patrimonial advisory services including annual savings profile reviews, beneficiary clause drafting assistance, and tax-optimized wealth planning, alongside access to SCPI real estate investments across 180+ vehicles. Advisory fees range from €1,500 to €6,000 per study, with the firm earning additional retrocession commissions on the insurance products distributed.

Product overview

Les Comptoirs du Patrimoine is a financial advisory and brokerage firm (corresponding AFER) offering a portfolio of life insurance and savings products. The core offering consists of three main insurance contracts: the AFER multi-support life insurance (established 1976), the Abeille Epargne Active contract, and the Generali Himalia contract. These products provide access to guaranteed euro funds, unit-linked investments, and SCPI (real estate) investments, with multiple management modes including free management, evolving management, and discretionary management under mandate. The firm operates as a distributor/advisor rather than a product manufacturer, partnering with major insurers AFER, Abeille Assurances, and Generali.

Differentiator

Problem solved

Functional benefit

Brands

• Contrat AFER: Life insurance and retirement savings contract, reference product since 1976 with over 746,000 members
• Contrat Abeille Epargne Active
• Contrat GENERALI Himalia

Products and services

• Contrat AFER (AFER Multi-Support Life Insurance)

Quantifiable outcome

• AFER Fonds Garanti: 2.65% net return in 2025 (net of management fees, hors prélèvements sociaux)
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• AFER (GIE AFER)coreChannel Partner/ Reseller/ DistributorLes Comptoirs du Patrimoine is a correspondent (correspondant AFER) for the AFER life insurance contract, the reference savings and retirement product in France since 1976. The firm distributes the AFER contract which offers a Guaranteed Euro Fund (Fonds Garanti en euros), Eurocroissance support, and over 100 investment units. AFER had 746,000+ members as of the current site.
• Abeille Assurances (formerly Aviva France)coreChannel Partner/ Reseller/ DistributorLes Comptoirs du Patrimoine distributes the Abeille Epargne Active contract, offering access to over 100 investment units, multiple management modes (Libre, Évolutive, Sous Mandat with Rothschild & Co Asset Management Europe and Abeille Asset Management), and financial options for portfolio management. Abeille Assurances also manages the historical AFER Guaranteed Euro Fund.
• Generali FrancecoreChannel Partner/ Reseller/ DistributorLes Comptoirs du Patrimoine distributes the Generali Himalia contract, offering a wide selection of investment units (up to 500), including euro funds (Actif Général, Euro Innovalia, Elixence), management modes (Libre and Pilotée), and death benefit guarantees (Plancher, Vie entière, Vie universelle).
• ASTORIA FINANCEcoreOthersLes Comptoirs du Patrimoine is a brand/business unit of ASTORIA FINANCE, a SAS registered in Paris (RCS Paris 444 275 671) with share capital of 60,792,914€. ASTORIA FINANCE is registered with ORIAS as an insurance broker, banking intermediary, and financial investment advisor, and is a member of ANACOFI-CIF (approved by AMF and ACPR). ASTORIA FINANCE also operates the website epargne-retraite.com.
• BNP Paribas Asset ManagementminorStrategic or Co-development PartnerBNP Paribas Asset Management manages the AFER Action PME investment unit within the AFER contract since February 2015.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Cyrus Conseil: Cyrus is an independent French wealth management firm (courtier/Conseiller en Investissement Financier) advising high-net-worth and mass-affluent clients on assurance vie, SCPI, and estate planning. Mirrors the independent advisory + life insurance brokerage model of Les Comptoirs du Patrimoine.
• Magnolia.fr: Magnolia.fr is a French online life insurance broker comparing and distributing multi-carrier assurance vie contracts. Closely mirrors Les Comptoirs du Patrimoine's multi-carrier brokerage of assurance vie products, though Magnolia is digital-first.
• Union Financière de France (UFF): UFF is a French wealth advisory and insurance brokerage network serving individual clients through independent advisors on life insurance and savings products. Highly comparable business model: commission-based distribution of multi-carrier assurance vie contracts combined with patrimonial advisory.

Broad incumbents

• Meeschaert Gestion Privée: Meeschaert is a French independent wealth management firm providing patrimonie advisory, life insurance brokerage, and estate planning for HNW clients. Comparable offering and target segment to Les Comptoirs du Patrimoine but serving higher-end clients.
• Primonial: Primonial is a major French wealth manager offering assurance vie, SCPI, and retirement/patrimony solutions to individual savers and HNW clients. Larger and broader than Les Comptoirs du Patrimoine, but overlapping in product mix and target segment.
• Boursorama Banque: Boursorama is a leading French online bank and broker offering life insurance, savings, and investment products directly to retail clients. Overlaps with Les Comptoirs du Patrimoine in distributing life insurance and savings products to French mass-affluent consumers.
• La Banque Postale (private wealth arm): La Banque Postale is a major French retail bank with a substantial life insurance and savings distribution franchise via its own assurance vie contracts (e.g., Cachemire, Solésio). Competes for the same mass-affluent French savers, though as tied agent rather than independent broker.

Emerging players

• Nalo: Nalo is a French digital wealth advisor offering automated assurance vie and savings products aimed at younger clients. Represents the digital-first contrast to Les Comptoirs du Patrimoine's traditional advisor-led model in the same product category.
• Meilleurtaux Placement: Meilleurtaux offers financial product comparison and brokerage services in France, including assurance vie and savings products. Comparable distribution motion (broker-led multi-carrier advisory) but broader product scope covering credit and insurance.
• Linxo / Bridge (Payplug group): Linxo is a French personal finance management and wealth advisory platform that connects to consumer bank and savings accounts, increasingly expanding into savings/assurance vie product distribution. Adjacent digital wealth player with overlap in savings advice.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/les-comptoirs-du-patrimoine

Compliance1 record

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 Les Comptoirs du Patrimoine