Héron Conseil
Héron Conseil is a French independent wealth management and insurance brokerage firm (COREP), founded 1997 in Villeneuve d'Ascq, serving affluent and high-net-worth individuals in Hauts-de-France with comprehensive advisory across tax optimization, retirement, insurance, and investment products.
- Company typePrivate
- Founded-
- HeadquartersVilleneuve d'Ascq, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Héron Conseil does
Héron Conseil is a French independent wealth management and insurance brokerage firm operating under the legal entity CONSEIL RETRAITE EPARGNE PREVOYANCE (COREP), registered in Lille and headquartered at Villeneuve d'Ascq in the Hauts-de-France region. Founded in 1997 with approximately 20 employees, the firm is registered with ORIAS (n° 07003868) and is authorized to present CIF, IAS, and IOBSP operations, allowing it to broker insurance products, collective investment funds, and banking/credit solutions. Its primary client segment consists of high-net-worth and affluent individuals in the Lille metropolitan area seeking integrated wealth planning.
The firm's product platform is comprehensive within the French retail wealth envelope. Core offerings include proprietary Ternaire dedicated funds (moderate and dynamic allocation) managed in partnership with Sunny Asset Management with 0.75-0.85% management fees, assurance-vie and capitalisation contracts, PER retirement plans, pierre-papier vehicles (SCPI, SCI, OPCI, FPCI), structured products, Girardin Industriel tax optimization, compte-titres/PEA securities accounts, and non-listed private equity. Distribution partnerships span tier-1 insurers (Generali, Suravenir, BNP Paribas Cardif) and asset managers (Amundi, Fidelity International, Franklin Templeton). A subsidiary, Héron Immobilier, extends the offering into real estate transaction and management advisory.
Commercially, Héron Conseil operates a consultative, appointment-based advisory model through its single Villeneuve d'Ascq office, supported by a website with educational content and a private client portal via Office2s. Revenue is generated from advisory fees on product distribution and recurring fees on dedicated funds, though neither revenue, AUM, nor client count is publicly disclosed. The firm has no disclosed external investors, no parent company, and operates as a founder/locally managed entity with Thibault Deleporte as Director of Publication and Baptiste Motte among the named advisors.
Héron Conseil firmographics
Firmographics- Name
- Héron Conseil
- Legal name
- CONSEIL RETRAITE EPARGNE PREVOYANCE (COREP)
- Website
- https://heronconseil.fr
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Héron Conseil is a French independent wealth management and insurance brokerage firm (COREP), founded 1997 in Villeneuve d'Ascq, serving affluent and high-net-worth individuals in Hauts-de-France with comprehensive advisory across tax optimization, retirement, insurance, and investment products.
- Ownership category
- akta.pro rank
Héron Conseil industry classification
Industry- Product category
- Wealth Management and Insurance Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Miscellaneous Financial Investment Activities (523999)
- SIC
- Investment Advice (6282), Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Estate & Legacy Planning Advisory (FSAEAAAG)
- akta.pro secondary industries
- Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation) (BPAJANAA), Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)
Keywords
Where Héron Conseil is headquartered
LocationHeadquarters
- HQ city
- Villeneuve d'Ascq
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Héron Conseil business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Wealth Management Advisory Fees: The firm provides comprehensive financial and insurance advisory services, earning fees from financial product distribution including insurance contracts, investment funds, retirement plans, and structured products. The company is registered as an insurance broker (courtier en assurances de personnes) with ORIAS and authorized to present CIF and IAS/IOBSP operations.
- Fund Distribution and Management Fees: Héron Conseil distributes proprietary dedicated funds (Ternaire allocation modérée and Ternaire allocation dynamique) managed by Sunny Asset Management, earning fees from fund distribution and advisory services on investment products.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Héron Conseil product offering
Product offeringCore offering
Héron Conseil is an independent wealth management advisory and insurance brokerage firm that distributes financial and insurance products to individual clients, anchored by its proprietary Ternaire dedicated funds (managed with Sunny Asset Management). Its offering combines tax optimization, retirement planning (PER), family protection, investment management (life insurance, securities accounts/PEA, structured products, paper real estate, private equity), and estate transmission planning delivered through personalized advisory engagements.
Product overview
Héron Conseil operates as a comprehensive wealth management and insurance brokerage platform offering a full suite of financial products and advisory services. The core offering centers on their proprietary Ternaire funds (moderate and dynamic allocation), combined with traditional savings vehicles including life insurance, PER retirement plans, and securities accounts. Their product range spans direct and indirect real estate investments (Pierre-papier), structured products, Girardin industrial tax optimization, and non-listed equity. The firm provides holistic wealth management encompassing tax optimization, retirement planning, estate transmission, and investment management across all asset classes.
Differentiator
Problem solved
Functional benefit
Products and services
- Ternaire dedicated funds (Ternaire allocation modérée and Ternaire allocation dynamique) Proprietary dedicated investment funds (Ternaire allocation modérée and Ternaire allocation dynamique) managed by Sunny Asset Management with a clean share structure, offering moderate and dynamic allocation strategies for Héron Conseil clients at competitive management fees of 0.75%-0.85% and total annual fees of 1.1%-1.6%.
- Assurance-vie and capitalisation contracts Life insurance and capitalisation contracts distributed by Héron Conseil, providing tax-advantaged savings and investment vehicles with access to a range of underlying funds for individual clients.
- PER (Plan d'Épargne Retraite) Retirement savings plan with tax advantages, offering flexible contribution options and multiple withdrawal methods (capital or annuity) at retirement, distributed by Héron Conseil for individual retirement preparation.
- Pierre-papier (SCPI, SCI, OPCI, FPCI) Indirect real estate investment through paper-based vehicles (SCPI, SCI, OPCI, FPCI), available either in direct holdings or wrapped within assurance-vie and PER envelopes, for individual clients seeking real estate exposure.
- Structured products (Produits structurés) Structured products offering returns indexed to financial market performance with conditional capital protection mechanisms, distributed by Héron Conseil for individual investors seeking market-linked exposure.
- Girardin Industriel Tax optimization investment product targeting overseas territories (DOM-TOM), providing income tax reductions of 110%-118% of invested capital for individual investors with annual income exceeding €4,000.
- Compte-titres / PEA Securities account (Compte-titres) and PEA (Plan d'Épargne en Actions) offering tax-advantaged European equity investments with flexible allocation and rebalancing capabilities for individual clients.
- Non-listed private equity (Non coté) Non-listed equity (private equity) investments made accessible through insurance contracts and PER wrappers, with reduced minimum investment thresholds for individual clients.
- Wealth management advisory (tax, retirement, family protection, investment, real estate, estate transmission) Personalized wealth management advisory covering tax reduction, retirement preparation, family protection, investment management, real estate investment, and estate transmission, delivered through scheduled appointments with Héron Conseil's expert consultants for individual clients.
Companies that use Héron Conseil
Customer profileSegments1 record
Ideal customer profiles1 record
Héron Conseil technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Héron Conseil partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Sunny Asset ManagementcoreSunny Asset Management manages the proprietary Ternaire dedicated funds (Ternaire allocation modérée and Ternaire allocation dynamique) offered by Héron Conseil. The partnership provides institutional-quality investment management with competitive fee structures.
- Héron ImmobiliercoreSubsidiary company providing real estate advisory services including property management, buying/selling of new and existing properties, and real estate investment consulting integrated with overall wealth management services.
- Optim AssurminorInsurance partner visible in the logos section of the website, suggesting collaboration on insurance product distribution.
- CREDIPRO Lille-HainautminorBanking/credit partner based in the Lille-Hainaut region, likely providing mortgage and credit solutions for real estate investment clients.
- GeneraliminorMajor insurance company partnership for life insurance and capitalisation contracts distribution.
- SuravenirminorInsurance company partner for insurance and retirement products, visible in partner logos.
- BNP Paribas CardifminorBancassurance partner for insurance product distribution through banking channels.
- Fidelity InternationalminorAsset management partner providing investment fund solutions for client portfolios.
- Franklin TempletonminorGlobal asset management firm partner for investment fund distribution.
- AmundiminorEuropean asset management leader providing investment solutions integrated into client portfolios.
Scale indicators2 records
Recent moves5 records
Expansion highlights3 records
Héron Conseil competitors and assessment
Company assessmentBroad incumbents
- Société Générale Private Banking: Major French private bank offering full wealth advisory, investment and insurance solutions to HNW individuals across France. Competes with Héron Conseil for the same regional HNW client base but with materially greater resources and brand.
- BNP Paribas Wealth Management: One of France's largest private banking arms, serving HNW/UHNW clients with advisory, investment and insurance solutions including the Cardif life insurance shelf that Héron Conseil itself distributes. Comparable in product breadth but vastly larger and serving a national/international HNW client base.
- Lazard Frères Gestion: French asset management and wealth advisory arm of the Lazard group, serving HNW/UHNW clients with discretionary management and advisory. Comparable in target market but operates at institutional scale and with discretionary portfolio mandates that Héron Conseil does not offer.
Emerging players
- Ramify: French digital wealth management advisor offering PEA, assurance-vie and real estate-backed products with hybrid robo + human advisory. Directly comparable to Héron Conseil in target market, but competes via a scalable digital model.
- Nalo: Digital French wealth management platform offering automated, personalized investment portfolios (PEA, assurance-vie) at low fees. Targets the same affluent French segment as Héron Conseil via a low-cost digital model that competes on price and convenience.
- Fundshop: Online French CGP offering curated fund selection (SCPI, assurance-vie, PEA) and personalized advisory at low fees. Targets the same affluent/HNW retail segment and represents a fee-pressuring digital competitor to traditional CGPs.
Direct peers
- MeilleurPlacement: French online CGP comparator and advisor offering assurance-vie, PER, SCPI and structured products with personalized advisory. Comparable in product range and target client, but operating at significantly larger digital scale.
- Primonial: Major French wealth management group offering CGP advisory, asset management and real estate (SCPI) products. Directly comparable as a multi-product wealth advisor serving French HNW individuals, though with a much broader institutional footprint.
- MonFinancier (La Financière de l'Échiquier / Patrimmofi): Independent French wealth advisory platform offering PER, assurance-vie and SCPI/OPCI selection with personalized advisory. Closely comparable business model to Héron Conseil, serving similar French HNW individuals.
- Cyrus Conseil: One of France's largest independent wealth management advisory (CGP) networks, registered with ORIAS and offering insurance, retirement, real estate and structured products. Directly comparable to Héron Conseil as a multi-product CGP, but operating nationally at much greater scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights1 record
Customer concentration
Héron Conseil social profiles
Digital presenceHéron Conseil compliance and trust
Trust signalCompliance2 records
Héron Conseil financial estimates
Financial estimateRevenue estimate
Valuation estimate
Héron Conseil leadership team
Management profileNumber of profiles
Profiles1 record
Héron Conseil subsidiaries and ownership
Company hierarchySubsidiaries1 record
Héron Conseil funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Héron Conseil 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 Héron Conseil
What does Héron Conseil do?
Héron Conseil is an independent wealth management advisory and insurance brokerage firm that distributes financial and insurance products to individual clients, anchored by its proprietary Ternaire dedicated funds (managed with Sunny Asset Management). Its offering combines tax optimization, retirement planning (PER), family protection, investment management (life insurance, securities accounts/PEA, structured products, paper real estate, private equity), and estate transmission planning delivered through personalized advisory engagements.
Is Héron Conseil a public or private company?
Héron Conseil is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Héron Conseil founded?
Héron Conseil was founded in -1. It employs 11 to 50 people.
Where is Héron Conseil based?
Héron Conseil is headquartered in Villeneuve d'Ascq, France, in the Europe region.
How does Héron Conseil make money?
Two revenue lines are on record. Wealth Management Advisory Fees are the primary driver. The others are fund Distribution and Management Fees.
Who are Héron Conseil's main competitors?
Broad incumbents on record are Société Générale Private Banking, BNP Paribas Wealth Management and Lazard Frères Gestion. Emerging players are Ramify, Nalo and Fundshop. Direct peers are MeilleurPlacement, Primonial, MonFinancier (La Financière de l'Échiquier / Patrimmofi) and Cyrus Conseil.
Does Héron Conseil have an API?
No public API is recorded for Héron Conseil.
What industry is Héron Conseil in?
Héron Conseil's product category is Wealth Management and Insurance Advisory. Its primary akta.pro industry code is FSAEAAAG, Estate & Legacy Planning Advisory, with a secondary code of BPAJANAA, Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation). Its NAICS code is 523940 and its SIC code is 6282.