The Stone Reference
The Stone Reference is a real estate agency that offers property buying and selling services.
- Company typePrivate
- Founded2009
- HeadquartersBrest, France
- Headcount51–100
- GTM typeB2B
- OfferingServices
What The Stone Reference does
La Référence Pierre (LRP by Arkea) is a French B2B2C real estate investment distribution platform founded in 2009 and headquartered in Brest, operating as a commercial brand under IZIMMO Group, which itself sits within the Crédit Mutuel Arkéa banking conglomerate. The company does not sell real estate directly to consumers; instead, it curates and distributes exclusive property investment programs — new-build (neuf), renovated existing properties under the IMPACT sub-brand (ancien), and real estate-backed funds (SCPI, OPCI, club deals) — to a network of approved wealth management advisors (conseillers en gestion de patrimoine) who recommend these opportunities to their high-net-worth clients. Primary distribution is exclusive, relationship-driven, and supported by a proximity commercial team running regional animations across metropolitan France.
The platform's underlying technology is a 100% digitized customer journey comprising a privileged partner portal (Espace Client Privilégié), an online training platform (LRP Campus) that qualifies advisors for the French 'carte T' real estate professional license, and a content-driven website hosting program listings and market studies. The product surface spans student residences, senior residences, tourism residences, mixed-use residences, and primary/secondary residences, with unit prices ranging from approximately €45,000 to over €480,000 and rental yields from roughly 2.25% to 6.3% on managed programs. Revenue is generated primarily through transaction fees — specifically the spread between developer pricing and end-customer pricing on exclusive programs — complemented by resale commissions on LMNP under commercial leases.
The business is operated by IZIMMO (Société par actions simplifiée) under the Arkéa banking ecosystem, with Sébastien Le Goascoz serving as legal representative and Patrick Parois as Commercial Director. The company holds the French professional real estate transaction license (Carte T, CPI 2901 2018 000 030 923) and has maintained ISO 9001 certification since 2005 through annual AFNOR audits. In 2026 it received the Gestion de Fortune 'Lauréat du Prix de la Rédaction' in the Plates-formes immobilières category. Complementary partnerships with Liberkeys (existing-property sales), Amarris Immo (rental tax management), Arkea REIM (SCPI/OPCI), and Vie Plus (life insurance and PER) extend the ecosystem beyond direct property distribution.
The Stone Reference firmographics
Firmographics- Name
- The Stone Reference
- Legal name
- The Stone Reference
- Website
- https://www.lareferencepierre.fr/accueil/?v=3
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- The Stone Reference is a real estate agency that offers property buying and selling services.
- Ownership category
- akta.pro rank
The Stone Reference industry classification
Industry- Product category
- Real Estate Investment Distribution
- NAICS
- Offices of Real Estate Agents and Brokers (5312)
- SIC
- Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)
Keywords
Where The Stone Reference is headquartered
LocationHeadquarters
- HQ city
- Brest
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
The Stone Reference business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Real Estate Transaction Fees: LRP by Arkea operates as a real estate distribution platform, earning commissions on property transactions facilitated through its network of wealth management advisor partners. The platform provides access to exclusive real estate programs with preferential commercial conditions.
- Exclusive Program Distribution: Distribution of exclusive real estate investment programs (new, old, and real estate funds) to wealth management professionals, earning revenue from the difference between developer pricing and end-customer pricing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Multi-year contract | Student Residence Investments |
| Unit Pricing | Multi-year contract | Senior Residence Investments |
| Unit Pricing | Multi-year contract | Tourism Residence Investments |
| Unit Pricing | Multi-year contract | Pluriel (Mixed Use) Residence Investments |
| Unit Pricing | Multi-year contract | Primary/Secondary Residence Investments |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
The Stone Reference product offering
Product offeringCore offering
LRP by Arkea is a real estate investment distribution platform that curates and provides French wealth management advisors with exclusive access to new-build, renovated, and fund-based real estate programs (including student, senior, tourism, and mixed-use residences). The company does not sell directly to end investors; instead it equips an exclusive advisor network with selected properties, preferential commercial conditions, marketing materials, and proximity-based commercial support to deliver these programs to their high-net-worth clients.
Product overview
La Référence Pierre (LRP by Arkea) operates as a real estate investment platform offering three main product categories: Immobilier neuf (new construction properties), Immobilier ancien (renovated existing properties), and Fonds à sous-jacent immobilier (real estate-backed funds). The platform provides access to exclusive real estate programs across France, categorized by residence type including student housing (Résidence Étudiante), senior living (Résidence Sénior), tourism residences (Résidence Tourisme), and mixed-use (Résidence Plurielle). Supplementary services include LRP Campus for professional training and a private client portal. The company partners with associated services like Liberkeys (property sales) and Amarris Immo (fiscal management) as part of its ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- LRP by Arkea: The commercial brand name used for La Référence Pierre's real estate platform services for wealth management professionals.
- LRP Campus
- IMPACT
Products and services
- Immobilier neuf (New Real Estate Investment Programs) New construction real estate investment offerings distributed exclusively to wealth management advisors, covering fiscal-advantaged programs such as LMNP under commercial lease, LMNP under management mandate, Nue-Propriété (bare ownership), and primary residence investments. Targeted at CGP partners serving high-net-worth clients seeking new-build properties with fiscal optimization.
- Immobilier ancien (Old Real Estate Investment Programs) Renovated existing property investment programs distributed to wealth management advisors, including Ancien rénové (IMPACT), LMNP (furnished rental), and Loi Denormandie fiscal-advantaged schemes. Designed for investors seeking renovation-value-add opportunities with documented yields.
- Fonds à sous-jacent immobilier (Real Estate-Backed Funds) Real estate-backed investment funds distributed to wealth management advisors, including Club Deal (other FIA types), Fonds professionnels spécialisés, and SCPI vehicles. Provides portfolio diversification and risk mutualization for clients seeking fund-based real estate exposure rather than direct property ownership.
- LRP Campus (Professional Training for Real Estate Advisors) Training platform offering the qualifying training program required to obtain the "carte T" professional real estate card for advisors. Supports partner professional development and regulatory compliance.
Quantifiable outcome
- Rental yields ranging from 2.25% to 6.3% on select programs
Companies that use The Stone Reference
Customer profileSegments2 records
Ideal customer profiles2 records
The Stone Reference technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
The Stone Reference partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Arkea REIMcoreArkea REIM provides sustainable real estate investment solutions, including SCPI and OPCI products. As part of the broader Arkéa ecosystem, Arkea REIM complements LRP's direct property offerings with fund-based real estate investment options for wealth management clients.
- Vie PluscoreVie Plus offers savings and retirement solutions including life insurance and PER contracts. As part of the Groupe Arkea ecosystem, Vie Plus provides complementary savings and retirement products that can be combined with real estate investments distributed through LRP.
- LiberkeysminorA neo-real estate agency focused on client experience and digitalization of sales in existing properties. Liberkeys provides complementary services for partners selling existing properties through LRP programs.
- Amarris ImmominorAn online solution dedicated to fiscal management of rental properties, simplifying declaration and optimizing rental income for investors. Amarris Immo complements LRP's offerings by providing ongoing tax management services for investors holding rental properties.
Scale indicators5 records
Recent moves1 record
Expansion highlights5 records
The Stone Reference competitors and assessment
Company assessmentDirect peers
- Primonial (now part of RAISE Group / Alderan): Major French wealth management and real estate investment platform distributing exclusive programs through the CGP advisor channel. Closest comparable in terms of B2B2C model, curated program portfolio, and target audience of high-net-worth investors served via wealth advisors.
- Sofidy: French SCPI and real estate fund manager that distributes investment products through wealth management advisors and direct investors. Overlapping product mix (SCPI, OPCI, Club Deals) and shared CGP distribution channel make it a direct competitor.
- CORUM: Independent French SCPI manager distributing real estate funds to advisors and end investors. Comparable in terms of product category (real estate-backed funds), target HNW audience, and reliance on advisor prescription.
- Perial: French SCPI and real estate fund manager with strong presence in the CGP channel. Competes with LRP's Fonds à sous-jacent immobilier category and shares a focus on ESG-oriented and diversified real estate products.
- Kley: French specialist in student residence investments with managed-operator model and rental yields comparable to LRP's Résidence Étudiante programs. Direct competitor in the coliving/student housing investment niche distributed through advisors.
Broad incumbents
- Nexity: France's largest integrated real estate developer, offering newbuild investment programs across residential, student, and senior segments. While Nexity sells both B2C and via advisors, its program depth in Immobilier neuf overlaps directly with LRP's offering.
- Vinci Immobilier: Major French real estate developer with newbuild investment programs distributed through advisor networks. Comparable in product category (neuf, résidences gérées) but larger and broader portfolio than LRP.
- Kaufman & Broad: French real estate developer offering residential investment programs through partner networks. Shares the immobilier neuf category with LRP but operates at significantly larger scale with broader geographic and product coverage.
- Groupe BPCE: Major French mutual banking group with deep wealth management and real estate distribution capabilities (Natixis, Banque Populaire, Caisse d'Épargne). Operates a competing ecosystem that includes real estate platforms distributed through its own CGP networks, rivaling Arkéa/LRP's positioning.
Emerging players
- Meilleurtaux Patrimoine: Wealth management advisory platform aggregating real estate, SCPI, and fiscal-optimization products for CGP networks and end clients. Comparable distribution audience (advisors and HNW investors) but with broader product aggregation rather than exclusive curation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
The Stone Reference social profiles
Digital presenceThe Stone Reference compliance and trust
Trust signalCompliance2 records
The Stone Reference financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Stone Reference leadership team
Management profileNumber of profiles
Profiles2 records
The Stone Reference funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Stone Reference M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Stone Reference
What does The Stone Reference do?
LRP by Arkea is a real estate investment distribution platform that curates and provides French wealth management advisors with exclusive access to new-build, renovated, and fund-based real estate programs (including student, senior, tourism, and mixed-use residences). The company does not sell directly to end investors; instead it equips an exclusive advisor network with selected properties, preferential commercial conditions, marketing materials, and proximity-based commercial support to deliver these programs to their high-net-worth clients.
Is The Stone Reference a public or private company?
The Stone Reference is a private company. It is classified as corporate owned and is currently operating.
When was The Stone Reference founded?
The Stone Reference was founded in 2009. It employs 51 to 100 people.
Where is The Stone Reference based?
The Stone Reference is headquartered in Brest, France, in the Europe region.
How does The Stone Reference make money?
Two revenue lines are on record. Real Estate Transaction Fees are the primary driver. The others are exclusive Program Distribution.
Who are The Stone Reference's main competitors?
Direct peers on record are Primonial (now part of RAISE Group / Alderan), Sofidy, CORUM, Perial and Kley. Broad incumbents are Nexity, Vinci Immobilier, Kaufman & Broad and Groupe BPCE. Meilleurtaux Patrimoine is listed as an emerging player.
Does The Stone Reference have an API?
No public API is recorded for The Stone Reference.
What industry is The Stone Reference in?
The Stone Reference's product category is Real Estate Investment Distribution. Its primary akta.pro industry code is FSAAAAAE, Hybrid Advice (Advisor + Digital) Platforms. Its NAICS code is 5312 and its SIC code is 6531.