Patrimoine Consult S.A.

What Patrimoine Consult S.A. does

Patrimoine Consult S.A. is a Luxembourg-based independent wealth management and patrimonial advisory firm founded in 2007, operating under CAA Luxembourg broker license 2007CM014. The firm provides fee-only advisory services to private individuals, families, and companies, covering wealth creation and restructuring, investment portfolio analysis, tax optimization, estate and succession planning, and corporate cash and pension management. It explicitly does not sell financial products or receive commissions, positioning independence as its primary value proposition versus tied agents and bank-channel advisors.

The firm's core technology footprint consists of third-party platforms rather than proprietary systems: a brokercloud-based client portal (portal.brokercloud.app) for secure document management, the eConnect platform for daily valuation of insurance contracts, and Sendinblue for newsletter communications. The flagship proprietary-adjacent offering is ePlatinum Birdie, a next-generation Luxembourg life insurance contract co-developed with WEALINS S.A. and launched in July 2023, featuring ESG-screened institutional-share-class funds, transparent pricing, digital subscription, and eConnect-driven daily valuation. Patrimoine Consult distributes a portfolio of Belgian and Luxembourg insurance products from partners including Allianz, AXA, Baloise, NN, OneLife, Vitis Life, and Wealins, alongside Luxembourg corporate investment vehicles such as SICAV RDT and Branche 6 contracts. The Luxembourg regulatory framework is leveraged as a structural advantage through the "Triangle of Security" mechanism for asset protection.

Patrimoine Consult generates revenue through professional advisory fees rather than product commissions, with no publicly disclosed fee schedule. Go-to-market is sales-led, relying on direct advisory consultations at its Wemperhardt office, content marketing through its blog and social channels (Facebook, LinkedIn), email newsletters, and client referrals. The firm is authorized to serve clients under the Free Provision of Services (LPS) regime across 31 European countries plus Mexico, though active delivery appears concentrated in Luxembourg, Belgium, and neighboring cross-border markets. The 6-person team includes five named consultants (Jean-François Gaspar, Yannick Andrien, Martin Closset, Séverine Dupont, Sébastien Otto), and the company remains privately held with no disclosed external investors or M&A activity.

Name

Patrimoine Consult S.A.

Legal name

Patrimoine Consult S.A.

Website

https://patrimoine-consult.eu

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Patrimoine Consult S.A. is a Luxembourg-based fee-only wealth management advisory firm serving individuals, families, and businesses across 31 European countries plus Mexico. Founded in 2007, it delivers independent patrimonial, tax, pension, and estate planning under CAA Luxembourg broker authorization.

Ownership category

akta.pro rank

Product category

Independent Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

akta.pro secondary industries

Family Office Advisory (Single/Multi-Family) (FSAEAAAI), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Independent wealth advisory
• Estate planning services
• Tax optimization consulting
• Pension planning advisory
• Patrimonial consulting

Headquarters

HQ city

Wemperhardt, Diekirch

HQ country

Luxembourg

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-based Advisory Services: Patrimoine Consult operates as an independent fee-only financial advisor. The company explicitly states it does not sell financial products and does not receive commissions based on the solutions proposed. This transparency in compensation model eliminates conflicts of interest and ensures objective recommendations aligned with client interests.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Patrimoine Consult S.A. is a Luxembourg-based fee-only independent financial advisory firm that provides comprehensive patrimonial consulting to private individuals, families, and businesses. Its offerings include wealth management advisory, investment portfolio analysis, tax optimization, pension planning, fee audits, and estate/succession planning. The firm also distributes life insurance products such as the ePlatinum Birdie Luxembourg contract through a network of Belgian and Luxembourg insurance partners.

Product overview

Patrimoine Consult S.A. operates as an independent wealth management and estate planning advisory firm, offering a comprehensive suite of services and products. The core offering centers on independent patrimonial advisory for optimizing income, wealth, and tax reduction for private individuals, families, and businesses. The product portfolio includes the ePlatinum Birdie next-generation Luxembourg life insurance contract (developed with WEALINS S.A.), alongside Belgian and Luxembourg insurance products from partner companies (Allianz, AXA, Baloise, NN, OneLife, Vitis Life, Wealins). Add-on services encompass pension planning with the 80% rule analysis, SICAV RDT and Branche 6 Luxembourg investment vehicles for corporate treasury optimization, and estate planning with beneficiary clauses. All services emphasize independence—no financial products are sold, and no commissions are received—ensuring objective advisory. The company operates under free provision of services (LPS) across multiple European countries.

Differentiator

Problem solved

Functional benefit

Brands

• ePlatinum Birdie: A next-generation life insurance product developed in collaboration with WEALINS S.A., offering simple and comprehensible life insurance with transparent pricing and ESG-focused investment fund selection.

Products and services

• Wealth Management Advisory Services Independent patrimonial advisory covering wealth creation, growth, and restructuring; investment and banking portfolio analysis; insurance contract evaluation; fee audits; and fiscal optimization for private individuals, families, and companies.
• ePlatinum Birdie Life Insurance Contract A Luxembourg-based life insurance (assurance-vie patrimonial) contract offering transparent pricing, ESG-screened institutional-share investment funds, zero redemption or arbitration fees, 5-day execution, daily valuation through the eConnect platform, and the Triangle de Sécurité subscriber protection framework.
• Pension Planning Services Comprehensive pension advisory covering Belgian pension reform impacts (including the 80% rule), second-pillar pension optimization (EIP, group insurance), and third-pillar private pension planning for individuals and business owners.
• Estate Planning Services Succession and estate planning advisory including beneficiary clause drafting (Valkeniers clause), co-subscription mechanisms with accrual clauses for married couples, blended-family arrangements, and inheritance tax optimization for Belgian residents.
• Fee Audit and Analysis Services Independent analysis of fees charged on existing banking portfolios and insurance contracts, identifying opportunities to reduce management costs and switch to institutional-class investment shares through partner insurers.
• SICAV RDT Corporate Investment

Quantifiable outcome

• Zero commission conflict of interest - recommendations based solely on client suitability

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• AllianzminorChannel Partner/ Reseller/ DistributorBelgian insurance company providing investment products including Allianz Invest and Allianz Exclusive Invest through Patrimoine Consult's advisory services.
• AXAminorChannel Partner/ Reseller/ DistributorBelgian insurer offering Income & Assist (Revenu Garanti) products distributed through Patrimoine Consult advisory network.
• Baloise Insurance BelgiumminorChannel Partner/ Reseller/ DistributorBelgian insurance partner providing EIP, PLCI & INAMI products for pension and insurance investment solutions.
• NNminorChannel Partner/ Reseller/ DistributorDutch-Belgian insurer offering Scala, Strategy Fiscal, and Strategy Non Fiscal investment products.
• Vitis LifeminorChannel Partner/ Reseller/ DistributorLuxembourg-based life insurer offering Vitis All In One, Vitis Corporate Investment Plan, and Vitis Inspired Pension Plan products.
• OneLifeminorChannel Partner/ Reseller/ DistributorLuxembourg insurer offering products including Adiameris, Camelea, One Pension Belgium, Wealth Belgium, and Wealth Luxembourg.
• WEALINS S.A.coreTechnology or IntegrationStrategic collaboration with WEALINS S.A. resulted in the ePlatinum Birdie next-generation life insurance product. This digital-first insurance contract offers simple pricing, ESG-selected investment funds, institutional share access within 5 business days, zero redemption or arbitration fees, and daily valuation through the eConnect platform.
• WealinscoreChannel Partner/ Reseller/ DistributorLuxembourg insurer offering ePlatinum Birdie, Wealins Capi Luxembourg, and Wealins Life Belgium products with favorable tax treatment under Luxembourg's regulatory framework.
• Afi EscaminorChannel Partner/ Reseller/ DistributorLuxembourg insurance partner offering Myriad and Myriad Corporate products.
• ERGO LifeminorChannel Partner/ Reseller/ DistributorBelgian insurer providing Optimix products covering EIP, PLCI, EP, and ELT investment solutions.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Banque de Luxembourg: Largest pure-play Luxembourg private bank offering discretionary and advisory portfolio management, succession planning, and tax advisory for HNW clients across the Greater Region. Directly comparable in target market (Belgian/French/Luxembourg cross-border HNW) but operates at far greater scale with full in-house product capabilities.
• Delen Private Bank: Belgian private bank with Luxembourg presence focused on discretionary portfolio management for HNW families and Belgian succession/estate planning. Comparable in serving cross-border Belgian HNW clients with similar tax and estate planning needs.
• Indosuez Wealth Management: Wealth management arm of Crédit Agricole with deep Luxembourg presence, providing advisory and discretionary portfolio management plus life insurance structuring to HNW European clients. Targets the same cross-border HNW segment but offers full banking, lending, and in-house investment solutions.
• BNP Paribas Wealth Management: One of the largest European private banking franchises with significant Luxembourg operations serving HNW and UHNW clients with advisory, discretionary, and credit solutions. Comparable client demographic and product breadth, but very different scale and operating model.
• VP Bank: Liechtenstein-headquartered private bank with a Luxembourg office offering HNW wealth advisory, family office services, and Luxembourg life insurance wrappers. Comparable in serving European HNW families with cross-border wealth structuring needs.
• Edmond de Rothschild: European private banking and wealth management group headquartered in Geneva with a strong Luxembourg franchise offering HNW/UHNW advisory, asset management, and Luxembourg life insurance wrappers. Comparable in serving HNW families with cross-border tax/estate planning needs, but offers in-house discretionary management and proprietary funds.
• Lombard Odier: Swiss private bank with European HNW franchise (including Luxembourg) focused on discretionary wealth management, succession planning, and sustainable investing. Comparable in emphasizing long-term advisory relationships and ESG-screened investment strategies similar to ePlatinum Birdie's positioning.
• KBC Bank: Belgian bancassurer with a substantial wealth advisory offering and active distribution of Belgian life insurance/pension products (EIP, PLCI). Directly comparable in distributing Belgian insurance wrappers to cross-border clients, but operates as a tied-agent bank model rather than independent advisor.
• Banque Pictet & Cie: Swiss private bank with a Luxembourg office serving European HNW clients with discretionary and advisory wealth management, succession planning, and Luxembourg life insurance solutions. Comparable in emphasizing long-term advisory relationships and Luxembourg wrapper expertise.
• ING Luxembourg: Major retail and private bank in Luxembourg serving HNW clients with investment advisory, mortgage, and insurance solutions. Comparable in serving the same Greater Region client base, though embedded within a universal bank distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PatrimoineConsult
• LinkedInlinkedin.com/company/patrimoine-consult-sa

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Patrimoine Consult S.A.