What Altéor Patrimoine et Prévoyance does

Altéor Patrimoine et Prévoyance is a French wealth management and social protection advisory firm headquartered in Le Rheu, operating as a subsidiary brand within the mutualist Groupe Cogedis ecosystem. The company serves two primary client segments: business owners and executives (dirigeants d'entreprise) and individual professionals, delivering services through 80 proximity agencies distributed across 35 French departments plus digital touchpoints including online simulators, quote-request forms, and a client portal. Its offering spans two core pillars: Gestion de Patrimoine (patrimonial strategy, financial investments including life insurance and PER, real estate investment, tax optimization, and estate transmission) and Prévoyance et Santé (individual providence, business activity protection, borrower insurance comparison, and employee coverage).

The product portfolio includes individual retirement plans (PER Individuel), employee savings solutions (PEE, PER Collectif, Intéressement, Participation), corporate treasury optimization instruments (compte-titres, contrats de capitalisation, SCPI, structured products, crowdfunding), and a Club Altéor loyalty membership for privileged clients. The firm does not operate a proprietary technology platform; it leverages standard financial planning tools, online simulators, and the Silae payroll integration via sister brand Altéor Ressources Humaines. There are no disclosed patents, proprietary AI models, or named technology stack components specific to Altéor.

Revenue is generated through advisory fees and commissions on placed financial and insurance products. Pricing is not publicly disclosed; initial consultations are offered free via phone or online quote forms. The company is led by Directeur Général Stéphane Martin, is GDPR and French Data Protection Act compliant, and operates exclusively within France under the governance of Groupe Cogedis's board of 29 client-administrators.

Name

Altéor Patrimoine et Prévoyance

Legal name

Société Altéor Patrimoine et Prévoyance

Website

https://alteor-conseil.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Altéor Patrimoine et Prévoyance is a French wealth management and social protection advisory firm, serving individual professionals and SME business owners through 80 Groupe Cogedis agencies across 35 departments, offering patrimonial strategy, retirement planning, and corporate treasury optimization.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Wealth management advisory
• Retirement planning services
• Corporate treasury optimization
• Employee savings plans
• Insurance and providence

Headquarters

HQ city

Le Rheu

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Advisory: The company provides comprehensive wealth management services including patrimonial strategy definition, financial investments (life insurance, securities accounts, PER, PEE), real estate investments, tax reduction strategies, estate transmission planning, and retirement preparation. Revenue is generated through advisory fees and commissions on financial products placed.
2. Corporate Treasury Management: Services for business owners include corporate treasury optimization, employee savings plans (PEE, PER Collectif), individual retirement accounts for executives (PER), and business insurance/providence coverage. Revenue derived from advisory mandates and product commissions.
3. Insurance and Providence Products: The company offers borrower insurance comparisons, individual providence coverage, and business activity protection insurance. Revenue model includes commissions from insurance product placements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Altéor Patrimoine et Prévoyance is a French wealth management and social protection advisory firm that helps business owners, executives, and individual professionals define and execute patrimonial strategies (financial investments, real estate, tax optimization, estate transmission) and select insurance/providence coverage (life insurance, borrower insurance, employee protection, PEE/PER Collectif plans). The firm operates as a specialized brand of Groupe Cogedis, distributing advisory mandates through 80 proximity agencies across 35 French departments.

Product overview

Altéor Patrimoine et Prévoyance operates as a comprehensive wealth management and social protection subsidiary of Groupe Cogedis. The company's product portfolio centers on two core offerings: Gestion de Patrimoine (wealth management) encompassing investment strategy, financial planning, real estate investment, tax optimization, and estate transmission, and Prévoyance et Santé (health and protection insurance) covering individual and business protection solutions. These core services are supported by specialized sub-products including PER Individuel (individual retirement savings), Épargne Salariale (employee savings plans including PEE and PER Collectif), corporate treasury optimization tools (compte-titres, contrats de capitalisation, SCPI, crowdfunding), borrower insurance comparison services, and employee health coverage. The company also leverages sister brands Altéor Ressources Humaines (HR and payroll services with Silae software integration) and Altéor Environnement (agricultural environmental consulting) to provide integrated advisory services under the Groupe Cogedis umbrella.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestion de Patrimoine (Wealth Management Advisory) Comprehensive wealth management advisory service covering patrimonial strategy definition, financial investments, real estate investment, tax reduction strategies, and estate transmission planning, for individual professionals and business leaders.
• Prévoyance et Santé (Health and Protection Insurance) Health and protection insurance services covering individual providence insurance, business continuity protection, borrower insurance comparison, and employee coverage solutions for individuals and businesses.
• PER Individuel (Individual Retirement Savings Plan) Individual retirement savings plan product offering flexible retirement preparation with tax advantages, including transfer options from former Madelin contracts, for individual professionals and executives.
• Épargne Salariale (Employee Savings Plans) Employee savings solutions including Participation (profit-sharing), Intéressement (performance bonuses), PEE (Employee Savings Plan), and PER Collectif (Collective Retirement Plan), for business treasury optimization and employee retention.
• Rentabilisation de Trésorerie d'Entreprise (Corporate Treasury Optimization) Corporate treasury optimization services including compte-titres (securities account), contrat de capitalisation (capitalization contract), SCPI investments, structured products, and crowdfunding solutions to maximize idle business cash, for business owners.
• Simulation Assurance Emprunteur (Borrower Insurance Comparison) Borrower insurance comparison simulator enabling clients to compare and select optimal mortgage insurance coverage with transparency on pricing and guarantees.
• Crowdfunding Entreprise Innovative crowdfunding solutions for businesses as an alternative method to optimize and valorize corporate treasury, for business owners.
• Protection des Salariés et Couverture Santé (Employee Protection and Health Coverage) Employee protection and health coverage solutions including mandatory provident insurance for executives, collective agreements compliance, and supplementary health insurance, for businesses.
• Club Altéor Patrimoine et Prévoyance (Privileged Client Membership) Exclusive membership program offering privileged client status with personalized services and exclusive benefits for Altéor Patrimoine et Prévoyance clients.

Quantifiable outcome

• Example: A PME placed €200,000 on a corporate capitalisation contract achieving 4.1% net return while optimizing corporate taxation

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• Groupe CogediscoreOthersAltéor Patrimoine et Prévoyance is an integral brand within the Groupe Cogedis, a major accounting expertise and business advisory group operating for over 50 years. Cogedis provides the operational infrastructure, brand credibility, and multi-service ecosystem (accounting, HR, legal, environmental services) that supports Altéor's wealth management offerings.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Primonial: Major French wealth-management platform (now part of La Banque Postale group) specializing in patrimoine advisory, assurance-vie, PER, SCPI, and employee savings. Closely comparable product set and target clientele of private individuals and business owners.
• Optimind: French independent wealth-management advisory group providing patrimoine strategy, retirement, transmission, and prévoyance. Directly comparable on integrated wealth + protection model serving a similar dirigeant/HNWI segment.
• Cyrus Conseil: French independent wealth-management and family-office advisory firm offering gestion de patrimoine, transmission, and prévoyance for dirigeants and private clients. Comparable on advisory model, cible dirigeants, and integrated insurance/wealth offering.
• Patrim Group: Network-style French wealth advisor (multi-brand, multi-agency) offering gestion de patrimoine, défiscalisation, prévoyance, and credit brokerage. Comparable on the distributed agency model and intégration patrimoine + assurance + crédit.

Emerging players

• Bricks.co: French digital platform providing wealth-management advisory and assurance-vie/PER products online. Emerging competitor targeting the same mass-affluent segment but via a fully digital experience.
• Nalo: French digital wealth-management robo-advisor offering automated life-insurance and PER-based advisory to retail and mass-affluent investors. Emerging direct competitor on standardized patrimoine products where Altéor competes via human advisors.

Broad incumbents

• SwissLife France: Major French life-insurance, prévoyance, and wealth-management incumbent with a large advisor network. Broadly comparable product universe (assurance-vie, PER, prévoyance) but at much larger scale and brand reach.
• BNP Paribas Banque Privée: Private-banking division of BNP Paribas offering patrimoine advisory, gestion de fortune, and prévoyance for HNWI and dirigeants in France. Comparable cible dirigeants and product breadth but at significantly larger scale.
• AXA Wealth Management (France): Incumbent French insurance and wealth platform offering assurance-vie, prévoyance, and patrimoine advisory through agent and bank-partner channels. Comparable on the prévoyance + patrimoine integration, though operating at national scale.
• Crédit Agricole Wealth Management: Wealth-management arm of Crédit Agricole serving private and business-owner clients across France with advisory, asset management, and prévoyance. Broadly comparable client segment but with full banking platform integration.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCZvOTvJfjWMipwZApjBGqOA
• Facebookfacebook.com/GroupeCogedis
• LinkedInlinkedin.com/company/alt%C3%A9or-patrimoine
• Instagraminstagram.com/groupe_cogedis/?hl=fr

Compliance2 records

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 Altéor Patrimoine et Prévoyance