Valorial Groupe Patrimmofi

What Valorial Groupe Patrimmofi does

Valorial Groupe Patrimmofi is a private wealth management and patrimonial advisory firm headquartered in Biarritz (2, avenue Serrano, 64200) with a secondary office in Paris (41 rue de Prony, 75017), operating since 2004 as part of the Paris-based Groupe Patrimmofi network. The firm delivers integrated advisory services across four divisions: Conseil (global wealth strategy, tax optimization, succession and estate planning), Immobilier (real estate brokerage in residential, commercial, new-build, and international markets via immobilier.valorial.fr), Assurances (health, prévoyance, retirement, and employee savings brokerage), and Finance (distribution of PER, assurance-vie, PEA, SCPI, Compte Titres, and tax-optimization vehicles including the Dispositif Relance Logement). Valorial holds multiple French regulatory registrations — CIF with ANACOFI CIF under AMF oversight, insurance broker with ANACOFI COURTAGE under ACPR oversight (Orias n° 07 005 080), and a real estate transaction card from CCI Bayonne Pays Basque — and is structured as a SARL with €15,330 share capital.

The firm operates a human-advisor-led, sales-led go-to-market with no proprietary technology platform. Clients engage through scheduled appointments (via zcal.co/valorial/rdv) at the Biarritz or Paris offices, supported by an active content marketing program (blog, newsletter, and social media presence on Facebook, Instagram, LinkedIn, and TikTok). Revenue is generated through three streams: tiered real estate transaction fees (5–8% TTC paid by the buyer, with separate rates for commercial premises at 6% and service residences/parking at 7%), insurance brokerage commissions, and financial advisory fees. Pricing and product distribution are independent of bank and insurance network affiliations, supporting an objective advisory positioning.

The customer base comprises high-net-worth families and individuals (primary), business owners and entrepreneurs, salaried employees and liberal professionals, and real estate buyers/sellers and investors across Biarritz/South-West France, Paris/Île-de-France, and international markets. The local Biarritz entity has approximately 10 employees, while the broader Groupe Patrimmofi deploys 55 wealth advisors and 110 collaborators nationally. No funding rounds, acquisitions, or revenue figures are disclosed.

Name

Valorial Groupe Patrimmofi

Legal name

VALORIAL

Website

https://valorial.fr

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Valorial Groupe Patrimmofi is a regulated wealth management and patrimonial advisory firm in Biarritz and Paris, serving HNW families, entrepreneurs, and real estate investors with holistic advisory across financial, insurance, tax, legal, and real estate domains as part of the Groupe Patrimmofi network.

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 Banking & UHNW Wealth Advisory (FSAEABAC)

akta.pro secondary industries

Family Office Trust & Fiduciary Services (FSAEAKAF), Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)

Keywords

• Wealth management advisory
• Real estate brokerage
• Insurance brokerage
• Financial advisory
• Patrimonial consulting

Headquarters

HQ city

Biarritz

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Real Estate Transaction Fees: Valorial acts as a real estate agency (Transaction sur Immeubles et Fonds de commerce) and earns commission fees on property sales. Fees are charged to the buyer and include 20% VAT, structured on a tiered sliding scale based on sale price, ranging from 8% TTC for properties up to €150,000 to 5% TTC for properties above €500,000. Additional rates apply for commercial premises (6% TTC) and service residences/parking (7% TTC).
2. Insurance Brokerage Commissions: As a registered insurance broker (Courtier en Assurance) recorded with ANACOFI COURTAGE, the firm earns commissions from insurance product placements, including health, provident (prévoyance), and retirement insurance products for individuals and businesses.
3. Financial Advisory & Wealth Management Fees: As a CIF (Conseiller en Investissements Financiers) registered with ANACOFI CIF and regulated by AMF/ACPR, the firm provides fee-based advisory on financial investments, savings products (assurance-vie, PER, PEA, FCPI/FIP, etc.), and overall wealth strategy. Revenue derives from advisory fees and potentially product distribution commissions from financial institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Valorial Groupe Patrimmofi is a French wealth management advisory firm that provides integrated patrimonial services including wealth management advisory, real estate brokerage, insurance brokerage, and financial advisory. The firm serves private clients, high-net-worth families, business owners, salaried employees, and real estate investors from its offices in Biarritz and Paris.

Product overview

Valorial Groupe Patrimmofi is a traditional wealth management and private banking advisory firm offering integrated patrimonial services through four core divisions: Advisory (wealth strategy, tax, succession), Real Estate (brokerage in Biarritz, Paris, and international markets), Insurance (health, prévoyance, employee savings), and Finance (investment products including PER, assurance-vie, PEA, SCPI, and tax optimization vehicles). The company operates as a human-driven advisory practice rather than a technology platform, with services delivered through face-to-face consultations and expert advisors coordinating across civil, financial, insurance, legal, tax, and real estate domains.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Advisory Personalized wealth management and patrimonial advisory service for high-net-worth individuals, families, business owners, and salaried employees seeking integrated financial planning.
• Real Estate Brokerage Real estate brokerage service supporting individual investors and property buyers with property transactions, integrated with financial and insurance advisory.
• Insurance Brokerage Insurance brokerage service providing clients with coverage solutions coordinated with their broader wealth and real estate strategy.
• Financial Advisory Financial advisory service providing strategic counsel on savings, investment, and wealth structuring decisions for private clients and business owners.

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• ANACOFI COURTAGEminorOthersANACOFI COURTAGE is the association with which Valorial is registered as an insurance broker, as required by French regulation. The association is approved by ACPR (Autorité de Contrôle Prudentiel et de Résolution). Valorial is registered under n° E010319.
• ANACOFI CIFminorOthersANACOFI CIF is the professional association for Financial Investment Advisors (CIF) with which Valorial is registered as a Conseiller en Investissements Financiers (non-independent CIF). The association is approved by AMF (Autorité des Marchés Financiers). Registration n° E010319.
• MMA IARDminorOthersMMA IARD provides Valorial's mandatory Professional Liability Insurance (Responsabilité Civile Professionnelle) and Financial Guarantee (Garantie Financière) as required by the French Insurance Code. Address: 160 Rue Henri Champion, 72030 Le Mans.
• CCI Bayonne Pays Basque (Pyrénées-Atlantiques)minorOthersThe Chamber of Commerce and Industry of Bayonne Basque Country issued Valorial's professional real estate transaction card (Carte Professionnelle n° CPI 6401 2016 000 004 255), which is required to operate as a real estate transaction agent in France.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Nalo: French digital wealth management platform offering automated investment advisory (assurance-vie, PEA, PER). Represents a structural threat to traditional advisors like Valorial by serving younger, digitally-native HNW clients at lower fees.

Regional players

• Orpi France: France's largest real estate network with a significant presence in Biarritz/Basque Country. Comparable in real estate transaction activity but operates as a mass-market franchise network rather than a luxury-focused integrated wealth advisor.

Direct peers

• Barnes International Realty: Luxury real estate network serving HNW clients with international property transactions, comparable to Valorial's immobilier service. Similar premium clientele, multi-jurisdiction footprint, and high-end property focus on markets like Biarritz and Paris.
• Optimind Winter: French management consulting firm specializing in real estate strategy, wealth optimization, and patrimonial advisory for HNW clients. Comparable in independent advisory model, real estate focus, and family/entrepreneur client base.
• Cyrus Conseil: French independent wealth management firm (Conseiller en Gestion de Patrimoine) offering multi-disciplinary advisory across financial, tax, real estate, and insurance products. Comparable in offering, target HNW clientele, and multi-license regulated positioning.
• BFM Patrimonial: Independent French wealth advisor providing global patrimonial strategy, asset allocation, and family wealth advisory. Similar in independent positioning, multi-product offering (PER, assurance-vie, SCPI), and HNW family focus.
• KeeOwn: Network of independent wealth advisors (CPF) in France providing integrated patrimonial advisory. Comparable in independent advisor model, multi-disciplinary offering, and family-client focus.

Broad incumbents

• Société Générale Private Banking: French private bank serving HNW clients with wealth advisory, investment solutions, and estate planning. Comparable in client segment and product mix but operates as a major bank subsidiary rather than independent advisor.
• BNP Paribas Wealth Management: Large French private bank offering wealth advisory, investment management, and estate planning to HNW and UHNW clients. Overlaps with Valorial's offering but as part of a much broader banking and product ecosystem.
• April Assurance: Major French insurance broker (courtier) distributing health, prévoyance, and retirement products. Comparable in insurance brokerage activity but operates as a large national broker rather than an integrated wealth advisor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/valorial
• LinkedInlinkedin.com/company/valorial
• Instagraminstagram.com/valorialgroupe
• TikToktiktok.com/@valorial_biarritz

Revenue estimate

Valuation estimate

Number of profiles

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 Valorial Groupe Patrimmofi