Viva Viager

What Viva Viager does

Viva Viager is a Paris-based French real estate agency founded in 2019 that specializes in viager (life annuity) property transactions. The company operates a SARL (Société à Responsabilité Limitée) with €10,000 registered capital and is headquartered at 6 rue Stanislas in the 6th arrondissement of Paris. It serves two primary customer segments: senior property owners (typically 65+) seeking to monetize their homes while retaining the right to live in them, and buyers/investors (young professionals, expatriates, families, investment funds) seeking property acquisition at 20-60% below market value. The company claims a diversified portfolio covering properties in Île-de-France, Nouvelle-Aquitaine, PACA, Hauts-de-France, Occitanie, and Normandie.

The company's core product offering spans four transaction types: Viager Occupé (occupied life annuity), Viager Libre (free viager), Nue-propriété (bare ownership), and Vente à Terme (time-bound sale). There is no proprietary software platform; the technology stack is a WordPress-based website with an online property listing portfolio. The firm employs a proprietary financial calculation model for determining rente (annuity) and bouquet (lump sum) amounts that accounts for property specifics and monthly interest rate environment updates. Adjacent services include a €500 HT property valuation (Avis de valeur) and a free lifetime contract support service (Suivi à vie gratuit).

The revenue model is transaction-fee based: fees range from 5% to 10% TTC of property value depending on value tier (inversely correlated with price), with a €5,000 TTC minimum. Distinct tiers exist: 10% below €150,000, 9% at €150,001-€200,000, 8% at €200,001-€300,000, 7% at €300,001-€500,000, 6% at €500,001-€800,000, and 5% above €800,000. Fees are typically borne by the buyer. Go-to-market combines direct sales from the Paris office, online property listings, content marketing (blog, newsletter), frequent media appearances (France Bleu Paris, Le Figaro, Les Échos, Challenges, Capital Magazine), and event participation (Salon des Seniors, 2022-2023). The company operates with a small team of approximately five named professionals.

Name

Viva Viager

Legal name

Viva Viager

Website

https://vivaviager.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Viva Viager is a Paris-based French real estate agency founded in 2019 that specializes in viager (life annuity), nue-propriété, and vente à terme transactions, serving senior property sellers and discounted-price buyers across multiple French regions.

Ownership category

akta.pro rank

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

Revenue model

1. Transaction Commission (Frais de transaction): Viva Viager charges transaction fees as a percentage of the property value, ranging from 5% to 10% depending on the value bracket. Minimum fee is 5,000€ TTC per transaction. Fees are typically paid by the buyer (acquéreur) unless otherwise specified. Additional revenue comes from value opinion fees (500€ HT) and custom quotes for complex missions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Viva Viager is a French real estate agency that arranges viager (life annuity) property sales, bare ownership (nue-propriété) transactions, and related dismemberment deals including vente à terme. It brokers transactions between senior sellers wishing to monetize their property while retaining occupancy, and individual buyers/investors seeking discounted property access. The agency is paid through tiered transaction commissions of 5–10% of property value, with a €5,000 TTC minimum fee, plus €500 HT standalone valuation services, and offers a free lifetime contract follow-up service to clients.

Product overview

Viva Viager operates a real estate marketplace specializing in viager (French life annuity) transactions, offering multiple product types including Viager Occupé, Viager Libre, Nue-propriété, and Vente à Terme. The platform provides an online property portfolio for browsing listings, backed by personalized advisory services and a unique free lifetime contract support service (Suivi à vie gratuit). The company's offering combines a digital property listing platform with expert consulting services, transaction fee structures based on property value tiers (5-10% TTC), and specialized valuation services.

Differentiator

Problem solved

Functional benefit

Products and services

• Viager Occupé

Quantifiable outcome

• Viager market growing at over 4% annually
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Orpi: One of France's largest residential real estate franchise networks. Broader incumbent offering general brokerage but also handling selected viager transactions, providing a competitive overlap on the buyer side.
• Century 21 France: Major French residential real estate franchise network with national reach and increasingly active in viager and nue-propriété products. Broader incumbent that competes for the same buyer pool.

Others

• SeLoger (SeLoger/Logic-Immo Group): Leading French property portal. Not a transaction agent but a distribution channel / competitor for buyer attention; comparable in that it aggregates viager listings and shapes buyer discovery in France.

Emerging players

• Perial Asset Management: French asset manager running SCPI and nue-propriété investment vehicles that compete for the same buyer's investment euros as Viva Viager's nue-propriété offerings. Comparable customer (investor buyer) but institutional product structure.

Direct peers

• La Foncière du Viager: French specialist viager agency that acquires and resells viager properties directly and via intermediary services. Direct competitor to Viva Viager in the same niche, serving senior sellers and viager buyers in France.
• Efficience Viager: Boutique viager specialist operating in France with comparable transaction-fee structure and senior focus. Directly comparable offering and go-to-market to Viva Viager.
• Viager Consulting: French viager brokerage and advisory firm offering similar transaction, nue-propriété, and lifetime advisory services. Direct competitor targeting the same senior-seller and investor-buyer segments.
• Viager Adequat: Dedicated viager brokerage operating across France with buyer/seller representation and a comparable transaction-fee model. Direct competitor in the same niche offering viager occupé, libre, and nue-propriété services.
• Cabinet Viager Vendôme: Specialist viager agency serving both Paris and provincial markets, with similar bouquet/rente advisory and buyer-investor services. Direct niche competitor in the same French viager category.
• Transaxia Viager: Established French specialist in viager and nue-propriété transactions, with an in-house legal/actuarial team. Closely comparable to Viva Viager in product mix and senior-seller focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Viva Viager