SD PATRIMOINE & FINANCE

What SD PATRIMOINE & FINANCE does

SD Patrimoine & Finance is a French wealth management advisory firm founded in 2018 and structured as a SASU, headquartered in the Val-d'Oise / Île-de-France region (Saint-Brice-sous-Forêt, Sarcelles, Ezanville). It operates as a Conseiller en Investissements Financiers (CIF) registered with ORIAS and recognized by the Autorité des Marchés Financiers (AMF), serving private clients across multiple personas including individuals, entrepreneurs, families, freelancers, and business owners, with a cumulative base of 4,000+ clients served. The firm is co-founded and led by Francis Sak and Thomas Delmas.

The firm's service offering spans wealth structuring, financial investment advisory, and intermediation across insurance and credit products, supported by an integrated partner ecosystem. Distribution and service partners include insurance and banking counterparties (Garance, Abeille Assurances, April, Banque Européenne d'Investissement) and adjacent professional services firms covering property management (gestion locative), legal (avocat), accounting (expertise comptable) and financing brokerage (courtier en financement). The digital surface is limited to an online investment simulator used for client pre-engagement diagnostics. Specialist coverage has been extended into the freelancer segment via Nicolas Casal.

Revenue mechanics are typical of a small French CIF: advisory fees, commissions on placed insurance and investment products, and referral economics from the partner network. The firm carries a 4.97/5 Google rating across more than 100 reviews, indicating strong word-of-mouth traction in its local catchment. With ~9 staff, a €100 share-capital SASU vehicle, and no disclosed external funding, SD Patrimoine & Finance operates as an owner-operated advisory practice scaling through partner integration and incremental headcount rather than venture-style capital deployment.

Name

SD PATRIMOINE & FINANCE

Legal name

SD Patrimoine & Finance

Website

https://sd-finance.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

SD Patrimoine & Finance is a French CIF-regulated wealth advisory firm serving 4,000+ private clients across individuals, entrepreneurs, families, and freelancers in Île-de-France through integrated financial planning, insurance distribution, and partner-supported services.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAI

Family Office Advisory (Single/Multi-Family)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSABADAF

Family Office Services (Single & Multi-Family Office)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Private Banking

Keywords

• Wealth management advisory
• Financial advisory services
• Tax optimization advisory
• Real estate investment advisory
• Retirement planning services

Headquarters

HQ city

Sarcelles

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advisory Services: The firm generates revenue through advisory fees and commissions on financial products placed with clients. As an independent financial advisor (CIF), they recommend insurance products (assurance-vie, PER), SCPI investments, PEA accounts, real estate investments, and other wealth management products, earning referral/placement commissions from product providers.
2. Real Estate Advisory and Property Management: Revenue from property management services and real estate investment advisory, including assistance with property acquisition, financing, and rental management.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

SD Patrimoine & Finance is an independent French wealth management advisory firm (CIF status) that centralizes financial, real estate, fiscal, and legal expertise to deliver personalized advisory services. The firm places and structures financial products (assurance-vie, PER, capitalization contracts, PEA), real estate investments (rental, Pinel, LMNP), tax optimization strategies (défiscalisation), and business engineering services (company creation, structuring, transmission) for individuals, entrepreneurs, freelancers, and families across France.

Product overview

SD Patrimoine & Finance is an independent wealth management advisory firm offering a comprehensive, multidisciplinary approach that centralizes financial, real estate, fiscal, and legal expertise. The core offering consists of three main pillars: Financial Management (gestion financière), Real Estate Investment (investissement immobilier), and Tax/Legal Optimization (optimisation fiscale et juridique). The company provides specialized sub-products including the Plan Épargne Retraite (PER), Assurance-vie, and Capitalization Contracts for retirement planning and wealth building. Business Engineering services support entrepreneurs through creation, management, and transfer phases. The firm serves individuals, entrepreneurs, and families, including specialized support for freelancers, offering personalized strategies with interactive tools such as investment simulators. Founded in 2018 by Thomas Delmas and Francis Sak, the company maintains a network of partner experts including lawyers, notaries, accountants, and insurers.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestion financière (Financial Management)

Quantifiable outcome

• 98% client satisfaction rate reported on the website
• +2 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

Nine partnerships are on record, tiered minor and core.

• GaranceminorOthersInsurance partner providing insurance solutions integrated into client wealth management strategies.
• Banque Européenne d'InvestissementminorOthersEuropean Investment Bank providing financing solutions for eligible projects and investments.
• Abeille AssurancesminorOthersInsurance company partner for various insurance products including life insurance and property coverage.
• AprilminorOthersInsurance partner offering supplementary health and insurance solutions.
• Lawyers (Corporate Law)coreStrategic or Co-development PartnerPartner law firm specializing in corporate law for company structuring, holdings, and complex legal operations. Integrated into SD Group for seamless legal support.
• NotariescoreStrategic or Co-development PartnerNotarial partners for property transactions, estate planning, and succession documentation.
• Accountants (Experts-Comptables)coreStrategic or Co-development PartnerAccounting partners for bookkeeping, tax compliance, and fiscal optimization for business clients.
• InsurerscoreChannel Partner/ Reseller/ DistributorMultiple insurance providers offering life insurance, health insurance, and professional liability products distributed through SD Finance advisory.
• Financial Institutions (Banks)coreChannel Partner/ Reseller/ DistributorBanking partners for financing solutions, investment accounts (PEA, securities accounts), and financial products.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Yomoni: French robo-advisor providing algorithmically allocated assurance-vie and PEA portfolios — an emerging digital competitor to SD Patrimoine & Finance's assurance-vie and PER advisory on price and accessibility for the same mass-affluent segment.
• Nalo: French digital wealth manager / robo-advisor offering automated, fee-only portfolio management for life insurance, PEA and retirement savings — competes with the discretionary financial management offering of SD Patrimoine & Finance via a tech-led, lower-cost model targeting the same mass-affluent French clients.

Direct peers

• Prigest: French multi-family office providing wealth engineering, investment advisory and transmission planning for private clients and entrepreneurs — same integrated advisory model and HNW family focus as SD Patrimoine & Finance.
• Cyrus Conseil: Independent French wealth management advisory firm offering multi-disciplinary patrimonial advice (financial, real estate, tax, legal) to individuals, entrepreneurs and families — directly comparable business model, customer base and CIF/ORIAS positioning to SD Patrimoine & Finance.
• BDL Capital Management: Independent French multi-family office providing wealth structuring, investment advisory, tax and estate planning to HNW families and entrepreneurs — comparable multi-disciplinary offering and HNW family target market to SD Patrimoine & Finance.
• Paref Gestion: French independent wealth and real estate management group serving private investors with SCPI, OPCI and patrimonial advisory services — overlaps with SD Patrimoine & Finance on the real estate investment and SCPI distribution side.
• KFinance: Independent French wealth management advisor (conseil en gestion de patrimoine) serving private clients and business owners with financial, real estate and tax optimisation services — same CIF business model, same target personas, and similar integrated advisory approach as SD Patrimoine & Finance.
• First Capital (Family Office): French multi-family office offering integrated wealth advisory (financial engineering, tax optimisation, real estate, transmission) to entrepreneurial families — directly comparable integrated wealth advisory model and target client segment as SD Patrimoine & Finance.

Broad incumbents

• BNP Paribas Wealth Management: Large French private bank offering wealth advisory, investment, financing and estate planning to HNW and UHNW clients — sets the competitive benchmark for service breadth and brand in the same addressable market as SD Patrimoine & Finance, with much greater scale.
• Fortuneo Banque: French online bank with a broad PEA, assurance-vie and investment product offering — represents the incumbent, low-cost self-service alternative that French CGPs and digital advisors like SD Patrimoine & Finance compete against for retail savings and investment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sd-patrimoine-&-finance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries4 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 SD PATRIMOINE & FINANCE