Climb

What Climb does

Climb is a Paris-based wealth management fintech founded in 2016 that operates as a financial investment advisor (Conseiller en Investissement Financier) regulated by the Autorité des Marchés Financiers (AMF) and registered with ANACOFI and Orias. The company delivers an integrated advisory and investment product platform targeting French individual investors across three service tiers: Gestion de Patrimoine (from €1,000), Gestion Privée (from €100,000), and Gestion de Fortune (from €1,000,000). Its core offerings include Assurance Vie (life insurance), PER (retirement savings), structured products, private equity funds, SCPI (paper real estate), Pinel and LMNP real estate schemes, and tax reduction vehicles (Girardin Industriel, GFI, FCPI), bundled with digital tax declaration assistance and rectification services.

Climb's underlying technology consists of a digital wealth management platform integrating tax optimization tools, investment simulation tools, and portfolio management capabilities within an open architecture model that selects best-in-class products from multiple providers rather than proprietary offerings. The platform is supported by dedicated human advisors who deliver personalized consultations, with pricing structured as 1.5% global fees on insurance wrappers versus the 3% average at traditional banks.

The business model combines three revenue streams: retrocession commissions from insurance and asset management partners when clients invest in distributed products, fixed advisory fees for tax declaration services (€150-€500 per engagement), and performance-based fees for tax rectification services (18% on recovered amounts up to €50,000 and 12% beyond). Distribution is primarily direct-to-consumer via the website and advisor consultations, with content marketing, a 45,000+ subscriber newsletter, and PR across major French media (TF1, Forbes, Le Figaro, BFM Business) driving top-of-funnel demand. Climb has expanded to Italy via weareclimb.it and has secured backing from notable French entrepreneurs including Xavier Niel and Alexandre Prot, while operating with 11-50 employees from Paris.

Name

Climb

Legal name

Climb

Website

https://climb.fr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Climb is a Paris-based wealth management fintech providing investment products, tax optimization tools, and personalized advisory services to French mass-affluent, high-net-worth, and ultra-high-net-worth individuals via an open-architecture, technology-enabled platform.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Funds, Trusts, and Other Financial Vehicles (525), Other Financial Vehicles (525990)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital/Hybrid Private Wealth (Robo-Enabled HNW Service) (FSAAABAO)

akta.pro secondary industries

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Affluent / Mass-Affluent Private Banking (FSABADAC), Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL)

Keywords

• Wealth management services
• Investment advisory
• Tax optimization
• Asset management
• Financial planning

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Retrocession Fees from Partners: Climb receives retrocession commissions from investment product providers (insurance companies, fund managers) when clients invest. The model is transparent with 100% of Climb's accompaniment offered free to clients. Revenue comes from partner retrocessions paid when clients invest in products.
2. Advisory Services: Fee-based advisory services including standard declaration assistance (150-200 EUR for expert consultation), advanced services (250-300 EUR), and bespoke consultations (400-500 EUR). Declaration rectification services charged at 500 EUR plus performance fees of 18% on amounts recovered up to 50,000 EUR and 12% beyond.
3. Investment Product Distribution: Distribution of various investment products including life insurance, PER, SCPI, Private Equity, structured products, Pinel real estate, LMNP, Girardin Industriel, and FCPI, earning commissions from product providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Climb is a French wealth management fintech that designs and distributes personalized investment solutions and tax-optimization services to individual clients. Its offering spans life insurance (Assurance Vie), retirement savings (PER), structured products, private equity, crypto, real estate vehicles (SCPI, Pinel, LMNP, Girardin), tax-advantaged funds (GFI, FCPI), and an online tax declaration assistance service. Services are organized into three client tiers — Gestion de Patrimoine, Gestion Privée, and Gestion de Fortune — with minimum entry tickets of €1,000, €100,000, and €1,000,000 respectively.

Product overview

Climb is a wealth management fintech platform offering an integrated suite of investment products and advisory services. The core offering comprises financial products including Assurance Vie (life insurance), PER (pension savings), structured products, Private Equity, cryptocurrency, and real estate vehicles (SCPI, Pinel, LMNP), complemented by tax reduction products (Girardin Industriel, Groupement Forestier, FCPI). These products are unified through a technology-enabled advisory platform providing free annual tax declaration assistance, tax rectification services, and personalized wealth planning. Climb differentiates through lower fees (1.5% global fees vs. 3% industry average), open-architecture product selection from multiple providers, and ESG-focused investment options. The company operates as a financial investment advisor regulated by AMF and registered with ANACOFI and Orias.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestion de Patrimoine (Wealth Management Tier)

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• GeneralicoreOthersGenerali is a key insurance partner offering life insurance products. Generali has been active since 1831 with more than 700 billion EUR assets under management. Client funds are deposited securely with Generali.
• Arkéa (Suravenir/Vie Plus)coreOthersArkéa group subsidiary providing life insurance and retirement savings products. Vie Plus (part of Crédit Mutuel Arkéa) active since 1987 with 700+ billion EUR assets under management.
• CACEIScoreOthersCACEIS serves as the depositary for client funds, providing secure custody and settlement services.
• APICILcoreOthersAPICIL is the insurance partner for structured products, offering the investment vehicle for Climb's proprietary structured product.
• France ValleyminorOthersExclusive partner for Groupement Forestier d'Investissement (GFI) products. France Valley has been active since 2010 with more than 3 billion EUR assets under management, offering comprehensive GFI solutions.
• EurazeominorOthersPartner for FCPI (Innovation Fund) products. Eurazeo has been active since 2001 with more than 26 billion EUR assets under management.
• Vatel CapitalminorOthersPartner for FCPI products. Vatel Capital has been active since 2008 with more than 300 million EUR assets under management.
• EcofipminorOthersPartner for Girardin Industriel products. Ecofip has been active since 2003 with more than 200 million EUR in annual financed investments.
• InterInvestminorOthersPartner for Girardin Industriel and FCPI products. InterInvest has been active since 1991 with more than 3.5 billion EUR total Girardin financing.
• CF ProfinaminorOthersPartner for Girardin Industriel products.
• Réside ÉtudesminorOthersPartner for LMNP (Furnished Rental) products offering managed residence investments.
• Little WorkerminorOthersPartner for LMNP (Furnished Rental) products.
• Real Estate Promoters (Nexity, Kaufman & Broad, Cogedim)coreOthersPartnership with approximately 20 real estate developers for Pinel new-build investments. Notable names include Nexity, Kaufman & Broad, and Cogedim, covering the entire French territory.

Scale indicators6 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Yomoni: French robo-advisor and digital wealth manager offering automated portfolio management through Assurance Vie and PEA, competing for the same mass-affluent French investor segment Climb addresses at its lower tiers.
• Moneyfarm: European digital wealth manager operating in the UK, Italy, and Germany with managed portfolios, advisory, and tax-efficient wrappers — directly comparable to Climb's cross-border ambitions (Italy launch) and tech-enabled private wealth model.
• Fundshop: French digital wealth management platform distributing SCPI, Assurance Vie, private equity, and tax-optimization products in an open-architecture model — directly comparable to Climb's product breadth and tax-driven value proposition.
• Nalo: French wealth-tech offering goal-based investment portfolios via life insurance and PEA wrappers with robo-advisor technology, serving a similar mass-affluent DIY-investor audience that Climb targets with its €1,000 entry tier.
• Ramify: French digital wealth management platform offering curated portfolios, life insurance, private equity, and SCPI access to mass-affluent and affluent clients with transparent fees — the closest direct competitor to Climb in the French wealth-tech space.
• Advize: French wealth management fintech aggregating multiple CGPs (conseillers en gestion de patrimoine) and providing digital tools for tax optimization and investment selection — overlaps with Climb's tech-augmented advisory distribution model.
• Bolden: French wealth management platform built specifically for entrepreneurs and executives, offering tax optimization, equity compensation advice, and wealth structuring — directly overlapping with Climb's Gestion Privée entrepreneur target.

Emerging players

• Linxo: French personal finance aggregation and wealth engagement platform (part of Crédit Agricole) that complements banking relationships — adjacent peer sharing Climb's emphasis on financial visibility and digital tools for the French retail investor.
• Wealthsimple: Canadian-origin digital wealth management platform with private equity, private credit, and tax-advantaged accounts; an emerging international benchmark for tech-enabled mass-affluent and HNW wealth services that Climb's model resembles.

Broad incumbents

• Boursorama Banque: Société Générale's French digital bank and brokerage offering Assurance Vie, PEA, and investment products with low-cost online distribution — a broad incumbent whose scale and pricing power set the competitive baseline Climb is measured against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Climb