Verifimmo

What Verifimmo does

Verifimmo SAS is a privately held French services firm headquartered in Guérande, founded over 30 years ago to act as an independent, trusted third party in the securitization of individual housing construction and renovation projects. The company serves three distinct customer groups: French banking institutions (its primary B2B channel, where Verifimmo performs regulatory compliance verification under the December 19, 1990 law and related construction legislation such as CCMI, VEFA, and CCH articles L231-10/L231-2); individual borrowers financing a single-family home construction or renovation, to whom it offers Dommages Ouvrage insurance brokerage and project security services; and co-ownership entities (copropriétés) undertaking energy renovation projects, for whom it now acts as Assistant à Maitrise d'Ouvrage (AMO).

Verifimmo's core products fall into two revenue streams: (1) Project Security and Analysis Services, comprising dossier-level compliance review, legal monitoring of contractors for two years, insurance certification, budget coherence verification, and technical competence certification for self-build projects — with a disclosed throughput of approximately 8,000 dossiers analyzed per year; and (2) Insurance Brokerage (Courtage en Assurance) under ORIAS registration number 07025193, placing Dommages Ouvrage policies through a panel of named insurer partners (MMA, QBE via April, Gestineo/Gesti'DO, Tétris Assurance) with optional coverages such as CNR, TRC, RCMO, and Protection Juridique. Operations are supported by a proprietary Espace Client extranet that delivers a 100% digitized client journey, allowing bank partners to submit dossiers, track processing in real time, exchange with assigned analysts, and access document history for one year.

The business model combines professional services fees (banking partner compliance work) with insurance brokerage commissions, distributed through bank partner referrals, direct-to-borrower sales, broker network referrals (Elista Conseils), and increasingly through the Teamzy.Immo ecosystem with Crédit Mutuel ARKEA and Trecobat. All activity is concentrated in the French national territory. The company is led by Directrice Générale Julie Gicquel, has 11-50 employees, and recently expanded into energy renovation AMO services (2024) alongside ongoing product and partnership additions.

Name

Verifimmo

Legal name

VERIFIMMO SAS

Website

https://verifimmo.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Verifimmo is a French independent third-party expert that secures individual housing construction and renovation projects, primarily serving banking institutions with regulatory compliance verification under the December 19, 1990 law, and offering Dommages Ouvrage insurance brokerage to borrowers and AMO services to copropriétés.

Ownership category

akta.pro rank

Product category

Construction Project Security and Insurance Brokerage Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Surety Insurance (6351)

akta.pro primary industry

Third-Party/Vendor Risk Management (TPRM) & Due Diligence (BPAKADAH)

akta.pro secondary industry

Third-Party/Vendor Risk & Due Diligence (TPRM, continuous monitoring) (FSAGAFAJ)

Keywords

• Construction project security
• Dommages ouvrage insurance
• Loan compliance verification
• Insurance brokerage services
• Energy renovation support

Headquarters

HQ city

Guérande

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage (Courtage en Assurance): Verifimmo acts as an insurance broker (registered with ORIAS under number 07025193), placing Dommages Ouvrage (construction defect) insurance policies on behalf of individual borrowers and banks. Revenue is generated through commissions paid by partner insurers (MMA, QBE via April, Gestineo/GESTINEO, Tétris Assurance) on policy placements. Verifimmo offers a complete Dommages Ouvrage package including options such as CNR (Constructor Non-Realsier), TRC (Tous Risques Chantier), RCMO, and Protection Juridique.
2. Project Security and Analysis Services (Sécurisation de Projets): Verifimmo charges fees to banking partners for compliance verification and security analysis of construction and renovation loan dossiers. Services include regulatory conformity review, legal monitoring of contractors, insurance certification, budget coherence verification, and technical competence certification for self-build projects. Volume: approximately 8,000 dossiers analyzed per year.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Verifimmo provides construction project security and compliance verification services for individual housing construction and renovation projects in France. The company acts as an independent third-party expert between banking institutions, individual borrowers, and insurers, performing regulatory conformity checks, legal monitoring of contractors, budget coherence verification, and technical competence certification. It also operates as an ORIAS-registered insurance broker placing Dommages Ouvrage policies through partner insurers (MMA, QBE, Gestineo, Tétris Assurance), and serves as Assistant à Maîtrise d'Ouvrage (AMO) for co-ownership energy renovation projects.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Dommages Ouvrage (Insurance Brokerage) Insurance brokerage service for Dommages Ouvrage (construction defect) policies, offering complete coverage packages for individual borrowers and banks covering new construction, renovation, extension, and self-build projects. Revenue is generated through commissions paid by partner insurers on policy placements.
• Sécurisation des Projets de Construction (Construction Project Security Services) Compliance verification and security analysis service for construction and renovation loan dossiers, primarily for banking institutions. Services include regulatory conformity review, legal monitoring of contractors for 2 years, insurance certification, budget coherence verification, and technical competence certification for self-build projects. Delivered via the 100% digitized Verifimmo extranet portal.
• Sécurisation des Crédits Affectés (Secured Loan Analysis) Two-phase compliance analysis service for secured loans (crédits affectés) covering pre-offer regulatory conformity verification, legal monitoring of contractors for 2 years, and post-offer verification of actual work completion before fund release.
• Certification des Révisions de Prix (Price Revision Certification) Post-offer certification service validating price revision conformity in CCMI contracts, ensuring revised prices, calculation methods, and increases comply with contractual and regulatory requirements before fund disbursement.
• AMO Copropriétés (Assistant à Maîtrise d'Ouvrage) End-to-end accompaniment service for energy renovation projects in co-ownership buildings (copropriétés) under government programs such as France Relance, Ma Prime Rénov', and MAR'. Includes technical, economic, social, and financial support with a dedicated AMOA digital platform tool for managing co-owner surveys, real-time financing plans, and project tracking.

Quantifiable outcome

• Approximately 8,000 dossiers analyzed per year by expert analysts
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• MMA (Mútuelle des Motards Assurances)coreTechnology or IntegrationMMA is Verifimmo's historical insurance partner for Dommages Ouvrage coverage. MMA was the first insurer to partner with Verifimmo when it launched its insurance brokerage offering, providing coverage for new construction, renovation, and extension projects for individual homeowners. MMA is described as a solid, well-established insurer with teams in France for efficient claims management.
• QBE (via April)coreTechnology or IntegrationQBE is a global specialty insurer and reinsurer with over 130 years of experience, among the world's leading insurers. With four regional directions in France, QBE offers local claims management. Verifimmo's partnership with QBE via its distribution partner April broadens the panel of Dommages Ouvrage solutions available to Verifimmo's clients, particularly for projects with specific characteristics.
• Gestineo (Groupe Verspieren)coreTechnology or IntegrationGestineo, a subsidiary of the Verspieren group and partner of Lloyd's for over 30 years, offers the Gesti'DO range covering new construction, renovation, and extension of individual homes in France and overseas. This partnership expands Verifimmo's Dommages Ouvrage offering, notably for projects outside standard coverage profiles.
• Tétris AssurancecoreTechnology or IntegrationTétris Assurance provides a turnkey Dommages Ouvrage solution covering all types of work — new construction, renovation, extension, and rehabilitation — through two partner insurers. Verifimmo's partnership with Tétris Assurance enables it to offer comprehensive coverage for diverse project types under a single agreement.
• Elista ConseilssupportingChannel Partner/ Reseller/ DistributorElista Conseils is a network of approximately 20 independent brokers operating in western France. The network accompanies clients in real estate projects and submits quality dossiers to banking partners. The partnership with Verifimmo enables Elista brokers to access Verifimmo's construction project security services and Dommages Ouvrage insurance solutions for their clients.
• Teamzy (Trecobat / Crédit Mutuel ARKEA)supportingStrategic or Co-development PartnerTeamzy is a shared platform co-developed by Crédit Mutuel ARKEA and Trecobat, enabling centralized, real-time tracking of property acquisition and construction projects for all stakeholders (bank, builder, notary, client). Verifimmo participates in the Teamzy ecosystem by offering its Dommages Ouvrage insurance to individual users and by auditing partner companies seeking to be listed on the platform (reviewing legal, financial, insurance, and ESG aspects).

Scale indicators4 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• SOCOTEC: Major French TIC (testing, inspection, certification) firm providing construction technical control, regulatory verification, and compliance services. Comparable to Verifimmo because it operates in construction project verification and conformity assessment for French clients, though at significantly larger scale and broader scope.
• APAVE: French engineering and risk management consultancy providing construction project inspection, regulatory conformity verification, and technical control services. Directly comparable to Verifimmo in the construction compliance/verification domain, with much broader geographic and service coverage.
• BTP Consultants: French consultancy specialized in construction project management, technical control, and regulatory verification. Closely comparable to Verifimmo's project security and conformity services, particularly for residential and tertiary construction.
• Verspieren: French insurance broker and parent of Gestineo (one of Verifimmo's DO insurer partners). Verspieren operates in the same individual housing and construction insurance brokerage space as Verifimmo, serving both banks and individual borrowers.
• Qualiconsult: French construction technical control bureau (bureau de contrôle technique) performing regulatory and technical conformity verifications for construction projects. Comparable to Verifimmo's dossier conformity work, though serving the broader construction market rather than individual housing loans specifically.
• April: French insurance broker (grossiste and courtier) distributing niche and specialty insurance products including Dommages Ouvrage. April is also Verifimmo's distribution partner for QBE Dommages Ouvrage products, making it both a competitor and a channel — directly comparable in insurance brokerage activity for individual housing construction.

Broad incumbents

• AXA France: Major French insurer offering Dommages Ouvrage policies for individual housing construction and renovation. Comparable to Verifimmo's insurance brokerage activity as a key DO provider, though as a broad incumbent carrier rather than a specialist broker.
• Bureau Veritas: Global TIC leader with a strong French construction services arm covering technical control, conformity assessment, and regulatory verification. Comparable to Verifimmo in construction compliance work but operating across multiple industries and geographies with substantially greater scale.
• DEKRA Industrial: Global TIC firm with French construction inspection, conformity verification, and certification services. Comparable to Verifimmo in construction project verification work but with much broader scope (automotive, industrial, environmental) and international reach.
• SMA BTP: French mutual insurance company specialized in construction and BTP-sector risks, including Dommages Ouvrage offerings. Comparable to Verifimmo as a key Dommages Ouvrage insurance provider to French construction projects, though as an insurer rather than broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCLSR2FyfIzY_Kzgl2CnIgtg
• LinkedInlinkedin.com/company/vérifimmo/mycompany

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 Verifimmo