Viager d'aujourd'hui

Name

Viager d'aujourd'hui

Legal name

Castimm Investissements

Website

https://viager-daujourdhui.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Viager Real Estate Advisory

NAICS

Offices of Real Estate Agents and Brokers (5312)

SIC

Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Real Estate Transaction Advisory & Due Diligence (FSAEAJAJ)

akta.pro secondary industry

1031 Exchange Intermediary Services (BPAJAOAL)

Keywords

• Viager real estate advisory
• Life annuity transactions
• Nue-propriété investments
• Estate planning advisory
• Real estate consulting

Headquarters

HQ city

Tours

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction fees (viager and nue-propriété): Percentage-based transaction fees charged to buyers for viager and nue-propriété property sales. Fees range from 5.5% to 8.5% depending on property price tier, with a minimum fee of 9,000€.
2. Transaction fees (classic sales): Percentage-based transaction fees for classic property sales at 4.5% for properties up to 350,000€.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Viager d'Aujourd'hui is a real estate advisory firm that intermediates viager (life annuity) and nue-propriété property transactions in France. The company advises senior property owners on selling via viager while retaining occupancy rights, and advises individual investors on acquiring properties at discounted prices through life annuity schemes, accompanying both parties from first meeting through deed signature.

Product overview

Viager d'Aujourd'hui is a specialized real estate consulting firm offering viager (life annuity) property transaction services. The company provides a three-pillar service model: advisory consulting (Conseil Patrimonial), property sales (Vente en Viager), and transaction accompaniment (Accompagnement Transaction). Their core products include three types of viager arrangements: Viager Occupé, Viager Nue-Propriété, and Viager Libre. They also operate a partnership program (Apporteur d'Affaires) for agencies, notaries, and wealth management advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Viager Occupé (Occupied Viager) Viager transaction in which the seller retains the Right of Use and Habitation (droit d'usage et d'habitation, DUH/usus) for as long as they wish. The buyer acquires the nude property (nue-propriété) and recovers full usufruct upon property release. Designed for senior sellers who want to monetize their home while continuing to live in it, and for investors seeking discounted property acquisition.
• Viager Nue-Propriété (Bare Ownership Viager) Viager transaction in which the seller retains the full usufruct, including the right to rent the property and collect rental income. The buyer acquires the nude property at purchase and obtains full ownership upon the seller's death. Suited to investors who want full bare ownership immediately while the seller retains lifetime usufruct.
• Viager Libre (Free Viager) Viager transaction in which the seller transfers both usufruct and nude property. The buyer can occupy or rent the property but cannot resell without the seller's agreement. Designed for sellers who no longer wish to occupy the property and for buyers who want immediate possession.
• Conseil Patrimonial (Patrimonial Advisory) Comprehensive discovery assessment service advising clients on patrimonial, fiscal, matrimonial, and financial aspects in the context of a viager transaction. Targeted at both sellers and investors considering viager arrangements.
• Vente en Viager (Viager Sales Service) Sales execution service in which Viager d'Aujourd'hui's real estate experts enhance the property and proactively engage with their investor network to complete viager transactions under optimal conditions for the seller.
• Accompagnement Transaction (Transaction Accompaniment) End-to-end accompaniment of sellers and investors from the first meeting through deed signature, covering fiscal, financial, and administrative matters related to viager transactions.
• Partenariat Apporteur d'Affaires (Business Referral Partnership Program) Partnership program for real estate agencies, notaries, and wealth management advisors (conseillers de gestion de patrimoine) to refer clients interested in viager transactions, with Viager d'Aujourd'hui providing the specialist expertise and know-how to complete the deals.

Named customers6 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

Three partnerships are on record, tiered minor.

• Agences (Real Estate Agencies)minorChannel Partner/ Reseller/ DistributorReal estate agencies can refer their clients interested in viager transactions. The company provides viager expertise and know-how to help agencies serve their clients' needs for life annuity property sales.
• Notaires (Notaries)minorChannel Partner/ Reseller/ DistributorNotaries can refer clients seeking viager solutions. The company offers expertise to help notaries serve their clients' needs for life annuity transactions.
• Conseillers de Gestion de Patrimoine (Wealth Management Advisors)minorChannel Partner/ Reseller/ DistributorWealth management advisors can refer clients interested in viager investment opportunities. The company provides specialized knowledge to help advisors offer viager solutions as part of comprehensive wealth management strategies.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Emerging players

• MegAgence: Flat-fee French online real estate agency. Comparable as residential transaction intermediary competing on a transaction-fee revenue model, though at much lower take rates.
• Le Bon Viager: Online-first French platform listing viager properties. Comparable on product but differs via digital marketplace model rather than advisory-led approach.

Broad incumbents

• IAD France: Large French digital real estate network with broad residential brokerage. Comparable as a residential real estate intermediary in France that competes for the same investor/seller mindshare.
• Stéphane Plaza Immobilier: High-visibility French residential real estate franchise network. Comparable incumbent that captures share in the same French residential buyer/seller pool.
• Orpi: France's largest residential real estate franchise network. Comparable incumbent competitor with national reach and extensive agent network targeting similar seller/buyer segments.
• OptimHome: Major French independent real estate network. Comparable as a residential brokerage serving sellers and investors across regions of France.
• Laforêt: Established French residential real estate network with century-spanning brand. Comparable as incumbent that could expand into viager via its national agent footprint.

Direct peers

• Cabinet Renard: Long-established French viager specialist with national coverage and a published fee schedule. Comparable as a service-led viager brokerage targeting seniors and investors with personalized advisory.
• Viager & Liberté: French viager brokerage focused on helping seniors sell in viager. Comparable given shared niche positioning, transaction-fee revenue model, and senior-vendor focus.
• Viagora: One of France's leading dedicated viager specialists, brokering both viager occupé and nue-propriété transactions nationwide. Most directly comparable peer given shared product focus on viager transactions and seller/investor matching.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/Viager-dAujourdhui-175002120875156
• LinkedInlinkedin.com/company/viager-d-aujourd-hui
• Instagraminstagram.com/viagerdaujourdhui_castimm

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Viager d'aujourd'hui