What TERRES D'ARMOR HABITAT does

Terres d'Armor Habitat (TAH) is a French public social housing office operating as an Etablissement Public à Caractère Industriel et Commercial (EPIC) under the supervision of the Conseil Départemental des Côtes d'Armor. Founded in 1924 and headquartered in Ploufragan, TAH manages approximately 16,000 social rental dwellings and 5,000 life structure units across 250 communes in the Côtes d'Armor department, representing 70% of the department's social rental housing stock. The organization employs 286 staff distributed across 7 local agencies and 23 neighborhood reception points, serving individual tenants, local authorities, construction enterprises, and social associations. TAH is governed by President Gaëlle Routier and Director General Jean-Denis Mège, with no traditional private ownership structure.

TAH's product portfolio centers on social housing rental as the core offering, supplemented by specialized sub-brands and digital services. The TY ACCESS sub-brand, launched in March 2026, extends TAH into affordable homeownership through Bail Réel Solidaire (BRS) programs. The Mon Espace Client online portal provides tenant account management, while the KLARO simulator (launched January 2025) catalogs national, regional, and local financial aids to help tenants identify eligible benefits. GESTES PRATIQUES tutorial videos support tenant self-maintenance. TAH's construction and rehabilitation capabilities include thermal rehabilitation programs (approximately 250 dwellings per year at €45,000-50,000 per unit, reducing rental charges by 25% on average) and Passivhaus-certified construction, including France's first Passivhaus-certified Gendarmerie building in Lannion.

TAH's revenue model is built on recurring rental income from approximately 16,000 social housing units, supplemented by public subsidies and institutional funding. Monthly rents range from approximately €300 for Type 2 units to €548 for Type 5 units, with pricing subject to resource-based eligibility conditions. The organization accesses multiple funding streams including Banque des Territoires regulated loans, FEDER European regional development funds, Région Bretagne regional support, ANRU/FNAP national urban renewal funding, and departmental co-development partnerships. The BOOSTER l'HABITAT plan with Saint-Brieuc Armor Agglomération, providing €1.55M for 344 social housing units with works valued at over €50M, exemplifies TAH's multi-stakeholder funding model. Construction contracts are procured through the Mégalis Bretagne regional platform, with 74% of contracted enterprises based locally in Côtes d'Armor.

Name

TERRES D'ARMOR HABITAT

Legal name

Terres d'Armor Habitat (Office Public de l'Habitat des Côtes d'Armor)

Website

https://terresdarmorhabitat.bzh

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

101–250 employees

Short description

Terres d'Armor Habitat is a French public social housing office (EPIC) managing 16,000 social rental units and 5,000 life structure units across 250 communes in Côtes d'Armor, representing 70% of the department's social rental stock, serving eligible tenants through 7 agencies and 23 reception points.

Ownership category

akta.pro rank

Product category

Public Social Housing Services

SIC

Real Estate (6500), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

Keywords

• Social housing rental
• Public housing office
• Affordable homeownership programs
• Thermal building rehabilitation
• Energy efficient construction

Headquarters

HQ city

Ploufragan

HQ country

France

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Infrastructure, Operations, Supply Chain, Marketing or Sales, Technology or R&D

Revenue model

1. Social Housing Rental: Rental income from approximately 16,000 social rental dwellings and 5,000 life structure units across Côtes d'Armor. Subject to resource-based eligibility conditions.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Terres d'Armor Habitat is a public social housing office that manages approximately 16,000 social rental dwellings and 5,000 life-structure units across the Côtes d'Armor department of France. It rents subsidised housing to eligible households, rehabilitates existing stock for energy efficiency (averaging 250 dwellings per year and reducing tenant charges by ~25%), and has launched the TY ACCESS sub-brand to enable affordable homeownership through the Bail Réel Solidaire (BRS) scheme. Operations are delivered via 7 local agencies, 23 neighbourhood reception points, an online housing portal and a tenant client portal.

Product overview

Terres d'Armor Habitat operates as a public social housing office (Office Public de l'Habitat) for the Côtes d'Armor department, functioning as a single unified service rather than a platform-plus-modules architecture. Its core product portfolio centers on social housing rental services (16,000 units), supplemented by TY ACCESS for affordable property ownership via Bail Réel Solidaire programs, and Mon Espace Client digital portal for tenant management. The KLARO aid simulator is integrated within the client portal to help tenants access financial assistance. The company primarily serves as a housing provider rather than a technology platform, offering its services through 7 agencies and 23 reception points across the territory.

Differentiator

Problem solved

Functional benefit

Brands

• TY ACCESS: New brand dedicated to affordable homeownership, offering solutions for households to become property owners in Côtes-d'Armor through programs like Bail Réel Solidaire (BRS).
• TY ACCESS (Contact: [email protected])

Products and services

• Social Housing Rental (Logement Social) Subsidised social housing rental service for resource-eligible households across Côtes d'Armor, comprising approximately 16,000 rental dwellings (Types 2 to 5) and 5,000 life-structure units, with rents set by typology and location and subject to means-tested eligibility.
• TY ACCESS - Bail Réel Solidaire Affordable Homeownership Program Affordable homeownership program operated under the TY ACCESS sub-brand, enabling eligible households to become property owners in Côtes d'Armor via Bail Réel Solidaire (BRS) schemes, with the first program of 6 pavillons launched at Plérin 'Le Clos des Violettes'.

Quantifiable outcome

• Average 25% reduction in rental charges following thermal rehabilitation
• +5 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

20 partnerships are on record, tiered minor and core.

• CAE Avant-PremièresminorStrategic or Co-development Partner · 1 July 2025Cooperative activity and employment company partnering for first Flash Coop in Brittany, supporting women entrepreneurs in Europe neighborhood.
• Association 4 Vaulx Les MouettescoreStrategic or Co-development Partner · 1 November 2024Social association managing Foyer de Vie Matignon: 28 housing units including 4 temporary, 12 HRPA, and 12 inclusive housing units for people with disabilities.
• Conseil Départemental des Côtes d'ArmorcoreStrategic or Co-development PartnerDepartmental council as key institutional partner providing financial support for housing projects and collaborating on territorial development.
• Saint-Brieuc Armor Agglomération (SBAA)coreStrategic or Co-development PartnerMain intermunicipal partner with BOOSTER l'HABITAT plan providing 1.55M€ for 344 social housing units (173 new, 171 to rehabilitate). Works generated estimated at 50M€.
• Loudéac Communauté Bretagne CentrecoreStrategic or Co-development PartnerIntermunicipal community partner for housing development in Loudéac territory, including renovation projects like Saint-Bugan-Les Noëlles renewal.
• Lannion Trégor CommunautécoreStrategic or Co-development PartnerIntermunicipal community partner for housing in Lannion-Trégor area, including Passivhaus-certified Lannion Gendarmerie project.
• Guingamp Paimpol AgglomérationcoreStrategic or Co-development PartnerIntermunicipal community partner for housing projects in Guingamp-Paimpol area, including Kernoa urban renewal project in Paimpol.
• Leff Armor CommunautécoreStrategic or Co-development PartnerIntermunicipal community partner for housing development in Leff Armor territory, including Plélo Gendarmerie project.
• Dinan AgglomérationcoreStrategic or Co-development PartnerIntermunicipal community partner for Foyer de Vie Matignon project, providing 28 housing units for people with disabilities.
• Lamballe Terre et MercoreStrategic or Co-development PartnerIntermunicipal community partner for housing projects in Lamballe territory.
• Saint-Brieuc Armor Agglomération - Cité de l'EmploiminorStrategic or Co-development PartnerEmployment center partner for Flash Coop entrepreneurship initiative supporting neighborhood residents.
• ALEC du Pays de Saint-BrieucminorStrategic or Co-development PartnerLocal Energy and Climate Agency partnering on energy awareness events including cine-debate on energy precariousness.
• Mairie de Saint-Quay-PortrieuxminorStrategic or Co-development PartnerMunicipal partner for shared garden project at Martouret residence.
• Association Vert le JardinminorStrategic or Co-development PartnerEnvironmental association partner for shared gardens in residences including Saint-Quay-Portrieux and Ploufragan Iroise.
• Association 'Peoc'h se kresk'minorStrategic or Co-development PartnerBreton association (meaning 'Silence ça pousse') partnering for shared garden at Martouret residence.
• Caf-Allocations familialesminorStrategic or Co-development PartnerFamily Allowances Fund providing human resources and premises for Flash Coop initiative in North-East Saint-Brieuc neighborhoods.
• Court-Bouillon (Restaurant)minorStrategic or Co-development PartnerChef Gaëlle Penault from Court-Bouillon provided culinary training for Flash Coop cooperative participants.
• Association UNVSTIminorStrategic or Co-development PartnerYouth association organizing breakdance bootcamp and urban culture events in Saint-Brieuc neighborhoods.
• Mégalis BretagnecoreChannel Partner/ Reseller/ DistributorRegional public procurement platform where TAH publishes construction and maintenance contract opportunities for businesses.
• Local Construction EnterprisescoreChannel Partner/ Reseller/ Distributor74% of contracted construction and maintenance companies are from Côtes d'Armor. 100% are based in Grand-West region. Contracts include insertion clauses for employment return.

Scale indicators15 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• ICF Habitat: Major French social housing operator (subsidiary of SNCF Group) managing approximately 100,000 units across France. Comparable in social housing rental mission, energy renovation programs, and institutional customer base, though broader geographic scope.
• Vilogia: Major French social housing ESH managing around 90,000 units across northern France. Comparable in energy renovation expertise, affordable rental mission, and institutional partnerships; differs in private ESH (not EPIC) legal form enabling more commercial flexibility.
• Batigère: Major French social housing group managing approximately 130,000 units. Comparable in mission, scale of operations, energy transition initiatives, and partnerships with public authorities across multiple regions.
• Paris Habitat: Office Public de l'Habitat of Paris, managing approximately 130,000 units. Comparable EPIC structure, social housing mandate, and energy renovation programs, though operating in a much larger and more urbanized territory.
• Logirem: French ESH social housing operator with approximately 20,000 units, focused on southern France. Comparable mission (affordable rental, energy renovation, partnerships with local authorities) and customer base, though operating in a different geography.
• CDC Habitat: Subsidiary of Caisse des Dépôts et Consignations and the largest social housing operator in France with over 500,000 units nationwide. Directly comparable mission (affordable rental, energy renovation, partnerships with public entities) but operates nationally at vastly greater scale.

Direct peers

• Espacil Habitat: Social housing operator (ESH) headquartered in Brittany (Saint-Grégoire), managing approximately 30,000 units across western France. Directly comparable to TAH in mission (affordable rental for low-income households), territory overlap (Côtes d'Armor and surrounding departments), and customer base.
• Le Foyer Rémois: Office Public de l'Habitat based in Reims (Marne department) operating under the same EPIC public model as TAH. Comparable departmental-scale social housing mandate, energy renovation programs, and tenant base, though in a different region.

Regional players

• Finistère Habitat: Office Public de l'Habitat of the Finistère department (adjacent to Côtes d'Armor), operating the same public EPIC model with comparable mission, governance, and tenant base. Operates in a non-overlapping territory but provides a directly analogous structural benchmark for TAH.
• Morbihan Habitat: Office Public de l'Habitat of Morbihan, another adjacent Breton department. Same EPIC legal form, same departmental-scale social housing mandate, similar funding stack (Banque des Territoires, departmental council), and comparable tenant base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@TERRESDARMORHABITAT
• Facebookfacebook.com/terresdarmorhabitat
• LinkedInlinkedin.com/company/terresdarmorhabitat

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 TERRES D'ARMOR HABITAT