Protectimmo

What Protectimmo does

Protectimmo (operating as Alterna Patrimoine Conseil, a Paris-based SARL founded in 2007 by Gaël Antoszewski) delivers a single specialized financial-restructuring service branded 'Rachat Immobilier®' for French property owners facing financial distress. The core workflow temporarily cedes ownership of a borrower's primary residence, uses the proceeds to settle all outstanding debts (mortgage, consumer loans, tax and family debts) within 30 days, and structures an eventual repurchase—typically within nine months—during which the former owner remains in the home as a tenant under monthly accompaniment. The service explicitly targets individuals who are FICP-listed, banking-prohibited, in Banque de France surendettement proceedings, or facing saisie immobilière, and is framed as an ethical alternative to forced sale or bankruptcy.

The company operates with a lean team of five employees and earns revenue through professional-service fees on multi-year, case-by-case engagements (the service is deliberately not a personal loan). Its technology footprint is intentionally simple: a public website with a multi-step eligibility simulation form (property value, loan balances, debts, income), a partner portal (Espace Pros) for financial restructuring advisors and credit brokers, and standard social/Trustpilot presence for credibility. Go-to-market is a hybrid of direct-to-consumer via SEO-driven organic search and B2B2C via the 15-year-old professional partner network.

Protectimmo holds regulatory authorizations relevant to its brokerage activity: ACPR supervision, ORIAS registration (#20007239) as both a banking operations broker and insurance broker, and CNIL data-protection declaration (#1702195), with professional liability insurance in place. Capitalization is minimal (€1,000 SARL capital) and there are no disclosed funding rounds, external investors, or M&A activity, consistent with a founder-controlled, self-funded boutique practice rather than a venture-scaled business.

Name

Protectimmo

Legal name

Alterna Patrimoine Conseil

Website

https://protectimmo.fr

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Protectimmo is a Paris-based financial advisory that uses its proprietary 'Rachat Immobilier®' method to temporarily buy back and restructure distressed French homeowners' properties, settling all debts in 30 days and repurchasing the home within ~9 months.

Ownership category

akta.pro rank

Product category

Debt Restructuring & Financial Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Repossession Services (561491)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Repossession & Asset Recovery (Non-mortgage) (FSAKAJAF)

Keywords

• Debt restructuring services
• Real estate buyback
• Financial restructuring
• Foreclosure prevention
• Credit mediation services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Rachat Immobilier service fees: Protectimmo generates revenue through fees associated with their Rachat Immobilier (real estate buyback) service, which involves temporary cession of property, debt settlement, and eventual repurchase. The service is not a personal loan but a structured financial restructuring solution.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Protectimmo offers a proprietary service called Le Rachat Immobilier®, a structured real estate buyback solution for financially distressed French property owners. The client temporarily cedes ownership of their property to settle all debts (mortgages, consumer loans, tax debts, family debts) within 30 days, becomes a tenant of their home, and repurchases the property after approximately 9 months once their finances are restored. The service is supervised by a notary and licensed by the ACPR, with monthly personalized accompaniment throughout the recovery process.

Product overview

Protectimmo operates as a single-product service company centered around 'Le Rachat Immobilier®', a proprietary real estate restructuring solution. The core offering enables financially distressed property owners (including those facing FICP registration, banking prohibitions, or property seizure) to temporarily cede their property while settling all debts within 30 days, then repurchasing it after approximately 9 months. The service is supported by complementary modules: an eligibility Simulation tool, specific services for property seizure (Saisie immobilière) and financial restructuring (Restructuration financière) situations, and an Espace Pros partner portal for professional collaborators. This is not a software platform but a specialized financial and legal advisory service for French metropolitan real estate owners.

Differentiator

Problem solved

Functional benefit

Products and services

• Le Rachat Immobilier® A structured real estate buyback service enabling property owners in financial distress to temporarily cede ownership of their property, settle all debts within 30 days, remain in the property as tenant, and repurchase it after approximately 9 months once finances are restored. Targets French metropolitan property owners facing seizure, FICP registration, banking bans, or over-indebtedness.
• Espace Pros A secure partner portal enabling financial restructuring professionals and credit brokers to manage client dossiers and refer non-bank-eligible clients to Protectimmo's Rachat Immobilier solution.

Quantifiable outcome

• 100% of debts settled in 30 days
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Professional partners (financial restructuring professionals, credit brokers)coreChannel Partner/ Reseller/ DistributorProtectimmo maintains a network of professional partners over 15 years comprising financial restructuring professionals and credit brokers who refer clients ineligible for traditional financing solutions. Partners benefit from tools and services at each stage of collaboration, high precision and expertise standards, transparent communication, and rigorous deadline compliance. The company offers partnership via a dedicated 'Espace Pros' portal and partnership inquiry form.

Scale indicators6 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Vousfinancer: French network of mortgage and credit-restructuring brokers serving individuals. Comparable to Protectimmo as a competing courtier en opérations de banque targeting the same FICP / over-indebtedness / bank-refusal segments and offering credit-restructuring solutions.
• CAFPI: Major French mortgage broker and credit-restructuring intermediary. Comparable to Protectimmo because it brokers banking operations and insurance, fights bank refusals, and serves distressed borrowers needing debt consolidation — the same core client need Protectimmo addresses via Rachat Immobilier®.
• Meilleurtaux: France's largest mortgage and consumer-loan broker, intermediating between borrowers and banks. Comparable to Protectimmo as both are ORIAS-registered intermediaries operating in the French mortgage and loan restructuring market, with overlapping refinancing and debt-consolidation use cases.
• Optimaret: French specialist in mortgage restructuring and 'rachat de crédits' for distressed borrowers. Directly comparable because it operates the same loan-consolidation / restructuration financière playbook that Protectimmo's Rachat Immobilier® targets, serving overlapping FICP and over-indebtedness segments.
• Younited Credit: Online consumer-lending platform operating in France with credit-restructuring and consolidation products. Comparable to Protectimmo because it addresses the same overdraft/over-indebtedness use case for French households, albeit via a digital lending model rather than a property-cession model.

Broad incumbents

• Cofidis: Large French consumer credit specialist (part of Crédit Mutuel group) offering personal loans, debt consolidation, and credit restructuring. Comparable to Protectimmo as a broad incumbent serving the same over-indebtedness use case, but at much larger scale and without the property-cession mechanism.
• Boursorama Banque: Online retail bank (Société Générale subsidiary) offering consumer credit, mortgage refinancing, and account rescue services. Comparable to Protectimmo as a broad incumbent offering accessible refinancing alternatives to the same financially stressed French retail segment.
• BNP Paribas Personal Finance: Consumer-credit arm of BNP Paribas, including credit restructuring and surendettement solutions. Comparable to Protectimmo as a broad incumbent with the regulatory scale, capital, and bank relationships to absorb distressed-credit flow that Protectimmo's smaller brokerage model also targets.

Regional players

• Intrum (formerly EOS France): European leader in credit management and debt recovery, with French operations purchasing and servicing distressed receivables. Comparable to Protectimmo tangentially on the debt-recovery side of the financial-distress value chain, though operating on receivables rather than residential property.

Emerging players

• Pretto: Tech-forward French mortgage broker using a digital-first funnel. Comparable to Protectimmo as a competing broker in the French mortgage market with a stronger digital sales motion; an indicator of how the courtier-en-opérations-de-banque category could be digitized at scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/protectimmo

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 Protectimmo