What GROUPE VALOREM does

Groupe Valorem is a French wealth management advisory group headquartered in Toulouse, operating as a SARL (SIRET 879727162) and registered as a financial investment advisor and broker with ORIAS n°20000497 and ANACOFI-CIF (AMF-approved). Founded by four partners — Pascal Bouglé, Mathieu Richard, Martial Da Silva, and Elga Iriarte — the group organizes its advisory capabilities across five operational poles: Immobilier, Ingénierie Patrimoniale, Gestion d'Actifs, Administratif et Financier, and Sportifs Professionnels.

The group's core go-to-market is a distributed network of 20 independent wealth management cabinets (CGPI) located across Toulouse, Bordeaux, and La Réunion, providing back-office, compliance, and product-access infrastructure to independent advisors. Through these cabinets, the group serves four client segments — Particuliers, Entreprises, Expatriés, and Sportifs Professionnels — with offerings spanning Bilan Patrimonial, investment advisory (life insurance, real estate), tax optimization (Défiscalisation), retirement planning, wealth transmission, and specialized athlete and expatriate wealth management. The product shelf draws on 80+ referenced suppliers for commissionable financial products.

The business model is sales-led and commission-based: the central SARL earns advisory fees and commissions from product referrals through its network, with pricing structured as custom, quote-based, multi-year engagements. The firm operates a content marketing channel via its website and blog, supplemented by referral-based lead generation through nine named partner cabinets. No funding rounds, acquisitions, or external institutional ownership are recorded in the source data.

Name

GROUPE VALOREM

Legal name

Groupe Valorem

Website

https://groupe-valorem.fr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Groupe Valorem is a French wealth management advisory group operating a network of 20 independent advisor cabinets across Toulouse, Bordeaux, and La Réunion, serving individuals, business owners, expatriates, and professional athletes with tax, investment, retirement, and estate planning services.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

akta.pro secondary industry

Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)

Keywords

• Wealth management advisory
• Patrimonial engineering
• Tax optimization services
• Retirement planning services
• Estate transmission planning

Headquarters

HQ city

Toulouse

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Revenue generated through advisory fees and commissions from financial product recommendations. The network of 20 independent cabinets provides wealth management services to clients, earning commissions from referenced suppliers (80+ providers) and advisory fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Groupe Valorem is a private wealth management advisory group operating a network of 20 independent cabinets across Toulouse, Bordeaux, and La Réunion. It delivers personalized advisory services — wealth assessment, investment, tax optimization, retirement planning, real estate investment, estate transmission, and specialized services for expatriates and professional athletes — through independent financial advisors supported by a centralized back-office, regulatory, and product-supplier infrastructure referencing 80+ providers.

Product overview

GROUPE VALOREM is a comprehensive wealth management advisory group offering integrated services through five specialized poles: a real estate division (Pôle Immobilier), wealth engineering (Pôle Ingénierie Patrimoniale), asset management (Pôle Gestion d'Actifs), administrative and financial services (Pôle Administratif et Financier), and professional sports services (Pôle Sportifs Professionnels). The group provides services to four distinct client segments: Individuals (Particuliers) seeking retirement planning, investments, tax optimization, and estate planning; Businesses (Entreprise) requiring cash management, employee savings, social protection, and business succession services; Expatriates (Expatriés) needing cross-border tax and family management; and Professional Athletes (Sportifs) with specialized career-focused wealth management needs. Core products include Bilan Patrimonial assessments, investment advisory, tax optimization (Défiscalisation), and comprehensive financial planning services.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilan Patrimonial Comprehensive wealth assessment service that analyzes a client's financial situation, assets, liabilities, and goals to develop a personalized wealth management strategy.
• Investissement (Investment Advisory) Investment advisory service covering financial placements, life insurance, real estate investments, and portfolio management tailored to individual client risk profiles.
• Défiscalisation (Tax Optimization) Tax optimization service that helps clients legally reduce their tax burden through statutory reduction schemes and eligible investment vehicles.
• Services Financiers (Financial Services) Financial services covering family protection, estate planning, and retirement preparation through various financial instruments and insurance products.
• Préparation Retraite (Retirement Planning) Retirement preparation offering complementary income solutions through real estate and financial products (PER, PERCO, Article 83), combining performance, security, and tax optimization.
• Investissement Immobilier (Real Estate Investment Advisory) Real estate investment advisory covering Loi Pinel, Censi-Bouvard, LMNP, Malraux, Monuments historiques, Déficit foncier, Nue-Propriété, and SCPI investment programs.
• Réduction d'Impôts (Tax Reduction Advisory) Tax reduction service helping individuals reduce income tax, wealth tax (IFI), social contributions, and rental income taxes through legal optimization strategies.
• Transmission de Patrimoine (Estate/Wealth Transmission) Estate planning and wealth transfer service covering life insurance, capitalization contracts, civil societies, and donations, designed to optimize inheritance and succession.
• Financement Études Enfants (Children's Education Financing) Children's education financing service that structures financial investments (life insurance, PEA) and real estate investments with potential tax advantages to fund higher-education costs.
• Gestion de Trésorerie Entreprise (Corporate Treasury Management) Corporate treasury management advisory that helps businesses manage cash flow with security and efficiency, addressing liquidity and treasury challenges.
• Épargne Salariale (Employee Savings Schemes) Employee savings scheme advisory accessible to companies with at least one employee, providing motivation, retention, and compensation tools with favorable tax and social advantages.
• Protection Sociale (Social Protection for Business Owners) Social protection advisory for business owners and self-employed professionals covering health insurance, provident insurance, retirement, and savings matters.
• Cession et Transmission d'Entreprise (Business Sale and Transfer Advisory) Business sale and transfer advisory guiding entrepreneurs through sale, transfer, or donation processes with expert support from accountants, lawyers, and notaries.
• Services Expatriés (Expatriate Wealth Services) Specialized wealth service for expatriates addressing cross-border taxation, marriage and family matters with international elements, and cross-border inheritance issues.
• Services Sportifs Professionnels (Professional Athlete Wealth Services) Specialized wealth management service for professional athletes and high-level sports figures addressing short careers, frequent mobility, and sport-specific taxation with previsional, fiscal, financial, and real estate components.
• Biens Immobiliers (Real Estate Acquisition Service) Real estate listing and acquisition service showcasing exclusive properties for prospective buyers, including residential and investment properties sourced via the group's Pole Immobilier.

Named customers4 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered minor.

• Groupe DALBADE ImmobilierminorStrategic or Co-development PartnerPartner providing real estate services complementing Groupe Valorem's wealth management offerings.
• Groupe DALBADE ConseilminorStrategic or Co-development PartnerPartner providing advisory services that complement Groupe Valorem's wealth management expertise.
• A7 PatrimoineminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.
• Acacias PatrimoineminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.
• Auxo ConseilminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.
• BDZ PatrimoineminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.
• DSF InvestminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network, specializing in professional athlete services.
• Helli PatrimoineminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.
• Mercury PatrimoineminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.
• OptunéaminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.
• Platinium Gestion PrivéeminorChannel Partner/ Reseller/ DistributorIndependent wealth management advisor in the Groupe Valorem network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cyrus Conseil: French CGPI network providing independent wealth management advisory to individuals and business owners across multiple regions. Directly comparable to Groupe Valorem through similar independent-advisor network model and HNW client focus.
• Federal Finance: French wealth management firm serving individual and institutional clients with advisory and asset management. Comparable to Groupe Valorem's HNW-focused wealth advisory and multi-product offering.
• KFinance: French groupement of independent wealth management advisors (CGPI network). Closely comparable to Groupe Valorem: recruiting independent advisors across regions and providing them with central support, product access, and regulatory infrastructure.

Broad incumbents

• Primonial: One of France's largest independent wealth management groups, with multi-channel distribution including CGPI networks. Comparable as a French wealth advisory incumbent operating at much larger scale than Groupe Valorem.
• Lazard: Global financial advisory and asset management firm with significant French wealth management presence. Comparable in offering financial advisory, investment management, and wealth planning to HNW and institutional clients — though at much larger scale.
• Rothschild & Co: Global private banking and wealth management group with a long-standing French presence. Comparable in serving UHNW and HNW clients with multi-generational wealth planning, advisory, and investment management.
• Natixis Wealth Management: Wealth management arm of Natixis (Groupe BPCE), serving private clients in France and internationally. Comparable as a broad French private wealth player offering advisory, investment, and wealth planning services.
• BPE (Banque Privée d'Escalquens): French private banking subsidiary of Groupe BPCE serving HNW clients with wealth advisory and investment services. Comparable in offering private wealth services to similar client personas, though with bank backing and capital scale.
• BNP Paribas Wealth Management: Private banking arm of BNP Paribas, one of France's largest wealth managers with significant international footprint. Comparable as a leading French private wealth incumbent offering advisory, investment, and wealth planning across personas similar to Groupe Valorem's.

Others

• Harvest: French fintech providing software and digital tools for wealth management advisors (CGPIs). Serves the same CGPI ecosystem as Groupe Valorem — partly as a technology vendor and strategic enabler, and a potential competitor as it expands into adjacent services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/groupe-valorem-conseil

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 GROUPE VALOREM