Viage SA
Viage SA is a Geneva-based Swiss firm founded in 2022 that originates viager (lifetime annuity) real estate transactions for property owners seeking to finance retirement while retaining residence rights, working exclusively with the FINMA-approved Viager Swiss SCmPC fund as buyer.
- Company typePrivate
- Founded2022
- HeadquartersGeneva, Switzerland
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Viage SA does
Viage SA is a Geneva-based Swiss firm founded in 2022 that operates an origination platform for viager (lifetime annuity) real estate transactions, enabling Swiss property owners to monetize their homes for retirement while retaining the right to reside in them. The company structures deals in which sellers receive an upfront 'bouquet' lump sum plus a monthly lifetime 'rente' (annuity), with the usufruct (right of residence) secured against the registry and an independent insurance solution guaranteeing the rente stream. Viage works exclusively with Viager Swiss SCmPC — the first Swiss real estate investment fund dedicated to viager, co-created with GEFISWISS and approved by FINMA — which serves as the sole buyer of every property originated through the platform, eliminating the traditional buyer-search process and ensuring transaction confidentiality.
The platform's core technical component is an internal actuarial calculation application that determines usufruct values based on independent expert property valuations and age-adjusted life expectancy, supported by the company's in-house actuary. By mid-2024, the platform had closed transactions on more than 20 properties with a cumulative value of nearly CHF 40 million, and operations are delivered through direct sales (phone, email, website contact form) to Swiss villa and apartment owners.
The business model combines transaction-fee revenue from viager origination with an ongoing managed-services relationship tied to the Viager Swiss SCmPC fund. The company is founder-led by François Normand (CEO) with a 3-5 person team including Marie Dufour (administrative lead) and Elio St John Webb (commercial lead), and is concentrated geographically in Switzerland — primarily Geneva — with recent visibility extending into broader French-speaking Swiss markets via industry events and earned media coverage.
Viage SA firmographics
Firmographics- Name
- Viage SA
- Legal name
- Viage SA
- Website
- https://viage.ch
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Viage SA is a Geneva-based Swiss firm founded in 2022 that originates viager (lifetime annuity) real estate transactions for property owners seeking to finance retirement while retaining residence rights, working exclusively with the FINMA-approved Viager Swiss SCmPC fund as buyer.
- Ownership category
- akta.pro rank
Viage SA industry classification
Industry- Product category
- Real Estate Services
- NAICS
- Offices of Real Estate Agents and Brokers (5312), Title Abstract and Settlement Offices (541191), Trusts, Estates, and Agency Accounts (525920)
- SIC
- Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Traditional Residential Brokerage (Existing Homes) (BPAJAAAA)
- akta.pro secondary industries
- Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG), Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Estate & Probate Administration Services (FSAEAKAD)
Keywords
Where Viage SA is headquartered
LocationHeadquarters
- HQ city
- Geneva
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Viage SA business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Viager Real Estate Transactions: Facilitates viager transactions where property owners receive an initial bouquet (lump sum) plus ongoing lifetime annuity payments. The company works with Viager Swiss SCmPC fund as the exclusive buyer of viager properties.
- Fund Management: Partnership with Viager Swiss SCmPC, the first Swiss real estate investment vehicle dedicated to viager, managing a portfolio of properties acquired through viager transactions.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Viage SA product offering
Product offeringCore offering
Viage SA facilitates viager (lifetime annuity) real estate transactions in Switzerland, enabling property owners to monetise their home while retaining the right to live in it. Sellers receive an upfront "bouquet" lump sum and a guaranteed monthly lifetime rent, with the property ultimately transferred to the Viager Swiss SCmPC fund that Viage co-developed with GEFISWISS. The company provides advisory, structuring, and actuary-led valuation services for each transaction.
Product overview
Viage SA offers a Swiss real estate viager (life annuity) platform consisting of the Viage Platform and Viager Swiss SCmPC Fund. The Viage Platform connects property owners seeking to finance their retirement with the specialized Viager Swiss SCmPC Fund, which purchases properties through viager arrangements. Property owners receive an upfront bouquet payment and lifetime monthly rent while retaining usufruct rights to continue residing in their property.
Differentiator
Problem solved
Functional benefit
Products and services
- Viage viager advisory and structuring service End-to-end viager advisory and structuring service for Swiss property owners (villa or apartment) seeking to finance their retirement by selling their home in exchange for an upfront bouquet payment and a guaranteed lifetime monthly rent, while retaining usufruct rights to continue living in the property. Viage handles structuring, actuary-led usufruct valuation (via its internal application), and coordination with the Viager Swiss SCmPC fund that purchases the property.
- Viager Swiss SCmPC fund Specialised Swiss real estate investment fund dedicated to viager transactions, developed by Viage with GEFISWISS. The fund acts as the exclusive buyer of viager properties arranged by Viage, with initial transactions covering more than 20 properties valued at approximately CHF 40 million.
Companies that use Viage SA
Customer profileSegments1 record
Ideal customer profiles1 record
Viage SA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Viage SA partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Viager Swiss SCmPCcoreFirst Swiss real estate investment vehicle dedicated to viager, created through collaboration with GEFISWISS. Viage works exclusively with this fund which serves as the buyer for all viager transactions. The fund began operations in May 2024 with over 20 properties valued at approximately CHF 40 million.
- GEFISWISScorePartner in the creation of Viager Swiss SCmPC, the first Swiss viager real estate investment fund. GEFISWISS collaborated with Viage to develop this specialized investment vehicle.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Viage SA competitors and assessment
Company assessmentDirect peers
- Viager & Cie: Specialized French viager advisory firm. Comparable to Viage in core activity (structuring viager sales for property owners) but operates in the established French market with a different regulatory and tax backdrop.
- Vendôme Viager: One of the leading French specialists in viager transactions, directly comparable to Viage in product (bouquet + lifetime rente, usufruct retention) and target customer (retirees seeking liquidity). Differ from Viage by operating in the mature French market rather than the nascent Swiss one.
- Groupe Viager: French network specializing in viager sales transactions with a national footprint. Comparable to Viage as a viager-focused intermediary working with sellers; differs in operating at greater scale in a more culturally receptive market.
- Procimo: French viager-focused advisory and transaction firm. Comparable to Viage in core product (viager structuring for sellers), with material overlap in operational workflow; differs by operating in France rather than Switzerland.
Broad incumbents
- ERA Immobilier: International real estate franchise network with significant viager activity through franchisees in France. Comparable to Viage in brokering residential property transactions; differs by operating as a broad incumbent across many transaction types rather than a viager specialist.
- Stéphane Plaza Immobilier: Large French residential brokerage network with significant viager activity through its franchise offices. Comparable to Viage in French-market viager intermediation; differs as a broad incumbent franchise rather than a dedicated viager specialist.
- Homegate.ch: Leading Swiss residential real estate platform for listings and brokerage. Comparable to Viage as a residential real estate channel serving Swiss property owners, but operates as a broad portal across all transaction types rather than viager.
- Engel & Völkers (Switzerland): International luxury real estate brokerage with active Swiss operations in Geneva and other major cities. Comparable to Viage in brokering high-value residential property; differs by offering a full-service traditional brokerage rather than a viager-specialized model.
- La Française (Groupe): French asset manager with established viager investment solutions and capital pools for viager acquisitions. Comparable to Viage via the fund/capital partner dimension, while operating as a broad incumbent across multiple asset classes.
Emerging players
- Swiss Life (Real Estate / Annuities): Swiss insurance and pension provider with adjacent retirement-income and real estate capabilities. Comparable to Viage at the retirement-financing/annuity intersection; differs as a broad incumbent insurer that has not yet committed to a viager-specific product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Viage SA social profiles
Digital presenceViage SA financial estimates
Financial estimateRevenue estimate
Valuation estimate
Viage SA leadership team
Management profileNumber of profiles
Profiles3 records
Viage SA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Viage SA 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 Viage SA
What does Viage SA do?
Viage SA facilitates viager (lifetime annuity) real estate transactions in Switzerland, enabling property owners to monetise their home while retaining the right to live in it. Sellers receive an upfront "bouquet" lump sum and a guaranteed monthly lifetime rent, with the property ultimately transferred to the Viager Swiss SCmPC fund that Viage co-developed with GEFISWISS. The company provides advisory, structuring, and actuary-led valuation services for each transaction.
Is Viage SA a public or private company?
Viage SA is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Viage SA founded?
Viage SA was founded in 2022. It employs 1 to 10 people.
Where is Viage SA based?
Viage SA is headquartered in Geneva, Switzerland, in the Europe region.
How does Viage SA make money?
Two revenue lines are on record. Viager Real Estate Transactions are the primary driver. The others are fund Management.
Who are Viage SA's main competitors?
Direct peers on record are Viager & Cie, Vendôme Viager, Groupe Viager and Procimo. Broad incumbents are ERA Immobilier, Stéphane Plaza Immobilier, Homegate.ch, Engel & Völkers (Switzerland) and La Française (Groupe). Swiss Life (Real Estate / Annuities) is listed as an emerging player.
Does Viage SA have an API?
No public API is recorded for Viage SA.
What industry is Viage SA in?
Viage SA's product category is Real Estate Services. Its primary akta.pro industry code is BPAJAAAA, Traditional Residential Brokerage (Existing Homes), with a secondary code of BPAJAOAG, Document Preparation & Recording Services (Deeds, Liens). Its NAICS code is 5312 and its SIC code is 6531.