Mobilite Finance

What Mobilite Finance does

Mobilité Finance SARL is a privately-held Franco-German wealth management and cross-border advisory firm founded in 2006 and headquartered in Paris, with additional offices in Frankfurt, Stuttgart, and Munich. The firm specializes in serving French expatriates living and working in Germany, French enterprises sending staff to Germany, senior executives with multi-country careers, and individual real estate investors active in both French and German property markets. Its service portfolio spans four pillars: (1) financial solutions including French-law assurance-vie (life insurance) products, SCPI real estate collective investment distribution, ISR (socially responsible) private wealth management mandates, and thematic sector funds; (2) real estate advisory and brokerage covering French property (VEFA, old properties, nue-propriété, EHPAD), German property acquisition and renovation, and non-resident financing via banking partnerships; (3) Franco-German expertise services for executives, entrepreneurs, and corporate HR/mobility teams covering compensation structuring, social protection, tax optimization, and retirement planning; and (4) international health insurance and provident solutions. The firm earns revenue through professional-services advisory fees and transaction/commission-based distribution of financial and insurance products, with pricing benchmarks ranging from €150 to €2,500 HT for initial retirement assessments plus recurring annual subscriptions.

The firm's underlying technology stack is standard: a website with SSL encryption for client communications and a client extranet for the bilan retraite service — no proprietary platform, AI/ML capabilities, or APIs are disclosed. The company is regulated as an insurance and financial intermediary via ORIAS registration (07.030.111), holds CGP-CIF membership (F000376) under the AMF-authorized professional association, and carries professional liability coverage with Covea-Risk. The go-to-market combines direct advisory sales (face-to-face consultations, phone, contact form) with a community-led channel via the co-founded Association Expatriation Allemagne, supplemented by content marketing, LinkedIn presence, and email newsletters. Ownership is concentrated with Frédéric Loie as Directeur de la publication; no parent company, external investors, or venture backing are indicated. The firm expanded vertically in 2019 by creating AI-Allemagne Immobilier GmbH, a German real estate brokerage subsidiary, and repositioned its investment offering around ISR mandates in the same year.

Name

Mobilite Finance

Legal name

Mobilité Finance SARL

Website

https://mobilite-finance.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

Mobilité Finance is a Paris-based Franco-German wealth management and cross-border advisory firm serving French expatriates in Germany and French enterprises with German operations, offering assurance-vie, SCPI distribution, real estate brokerage, and retirement planning through offices in Paris, Frankfurt, Stuttgart, and Munich.

Ownership category

akta.pro rank

Product category

Cross-border wealth management advisory

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Banking Cross-Border & International Wealth Services (FSABADAL)

akta.pro secondary industry

Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG)

Keywords

• Wealth management advisory
• Expatriate financial planning
• Franco-German advisory
• Retirement planning services
• Cross-border real estate

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Advisory and Consulting Fees: The firm charges fees for personalized advisory services including retirement assessments (Bilan retraite), tax optimization consulting, and wealth management advisory. These are one-time or recurring consultation fees based on complexity.
2. Financial Product Distribution: Since 2012, the firm distributes SCPI (Sociétés Civiles de Placement Immobilier) products and earns commissions. The firm also earns fees from insurance products (assurance-vie) and other financial investments.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Mobilité Finance is a Franco-German wealth management and financial advisory firm (cabinet de conseil en gestion de patrimoine) that advises French expatriates in Germany and French enterprises with German operations. It distributes and advises on assurance vie, SCPI, private wealth management mandates (including ISR), and real estate investments in both France and Germany. Complementary services include Franco-German retirement assessment (Bilan retraite), income tax declaration support, international health insurance, and corporate HR/international mobility advisory.

Product overview

Mobilite Finance is a Franco-German wealth management and financial advisory firm operating as a unified service offering (cabinet de conseil) rather than a modular software platform. The company provides an integrated portfolio of financial and advisory services centered on four pillars: (1) Financial Solutions including Assurance Vie, SCPI, and Private Wealth Management with ISR mandates; (2) Real Estate investments in both France and Germany covering nue-propriété, EHPAD, and traditional property; (3) Franco-German Expertise encompassing executive services, international HR mobility, and entrepreneur advisory; and (4) Protection Services including international health insurance and retirement planning. The company specializes in serving French expatriates in Germany and cross-border workers, offering both individual client services and corporate solutions for companies managing international mobility.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Vie (Life Insurance) French-law life insurance contracts subscribed by French expatriates in Germany, recognized by the German tax authorities, offering euro-denominated guaranteed savings and unit-linked funds including ISR-labeled options. Designed to protect loved ones or finance future projects such as children's education, property purchase, or retirement.
• SCPI Distribution (Sociétés Civiles de Placement Immobilier) Distribution of French paper-stone real estate collective investment schemes (SCPI) targeting 3%–6% annual rental yields from professional real estate. Accessible from €5,000 or held within a life insurance contract, used by clients to generate regular retirement income.
• Gestion Privée with ISR Mandate (Private Wealth Management) Discretionary private wealth management service in which an asset manager organizes investments according to the client's risk profile. Offers diversified management mandates with configurable Socially Responsible Investment (ISR) allocation up to 100%.
• Investissements Thématiques (Thematic Investments) Thematic and sector funds investing in growth themes including healthcare/biotechnology, luxury, digitalization (technology, big data, cybersecurity), real estate, and energy efficiency.
• Immobilier en France (Real Estate in France) Real estate investment advisory and services in France covering new property (VEFA), existing properties, bare ownership (nue-propriété), EHPAD investments, and club deals for individual investors and expatriates.
• Immobilier en Allemagne (Real Estate in Germany) Real estate investment advisory and brokerage in Germany, including new property acquisition for rental or personal use, and renovation investments with tax benefits available to German tax residents.
• Nue-propriété (Bare Ownership Investment) Temporary bare ownership property purchase at 30–40% below full ownership price. No rental income or charges during the 10–20 year dememberment period, used for retirement planning or estate transmission.
• EHPAD Investments Investment in furnished rooms within elderly care facilities (EHPAD), offering immediate profitability and stable returns. Subject to commercial taxation, with depreciation and interest deductions offsetting taxes.
• Financement Immobilier (Non-Resident Property Financing) Mortgage and financing advisory for non-resident property buyers, leveraging 15 years of banking partnerships adapted to expatriate financing realities.
• Cadres Dirigeants (Executive Advisory) Advisory services for executives and senior managers in Germany covering pre-arrival salary analysis, package evaluation, health coverage, social protection, retirement impact, salary negotiation support, social and tax optimization, property purchase, retirement planning, and income declaration.
• RH & Mobilité Internationale (Corporate HR & International Mobility) HR and international mobility services for companies sending employees to Germany, including determination of expatriation conditions, comparison of status options, remuneration studies, expatriate package setup, and ongoing support.
• Entrepreneurs & Indépendants (Freelancer / Liberal Profession Advisory) Advisory services for freelancers, independent workers, and liberal professionals covering social status selection, mandatory and complementary social protection, social security fund choice, legal declarations, accounting organization, and professional taxation.
• Assurance Santé Internationale (International Health Insurance & Provident) International health insurance and provident (social protection) solutions for expatriates, their families, and French SMEs, with a French-speaking contact for coverage questions and administrative management.
• Bilan Retraite Franco-Allemand (Franco-German Retirement Assessment) Assessment calculating accumulated pension rights across the different countries and French pension systems where the client has contributed, delivered with an annual data update subscription and access to a client extranet.
• Déclaration de Revenus Expatriés (Expatriate Income Tax Declaration) Income tax declaration service for expatriates addressing tax residency, non-resident filing obligations, double taxation prevention, and French tax calculation methods.

Quantifiable outcome

• Clients maintain their standard of living at retirement through proper planning
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Association Expatriation AllemagnecoreStrategic or Co-development Partner · 1 January 2011Founded in 2011, this association was created to facilitate understanding of German social, administrative, and fiscal systems for French speakers in Germany. Mobilité Finance partners with the association to implement concrete fiscal and social optimization solutions for French employees, investors, and entrepreneurs in Germany. The partnership organizes workshops and educational events for the expatriate community.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Lazard Frères Gestion: French arm of global advisory firm offering private wealth management, asset management, and financial advisory services. Overlaps in HNW client advisory and wealth structuring, though operates at materially larger scale.
• SwissLife Banque Privée: Private banking arm of SwissLife in France providing wealth management, retirement planning, and advisory services to HNW clients. Comparable product mix including assurance-vie, gestion privée, and retirement-oriented solutions.
• Société Générale Private Banking: Private banking division of Société Générale providing international wealth management, cross-border advisory, and financial product distribution to HNW clients including expatriates. Broader portfolio but overlapping client segment.
• Natixis Wealth Management: Wealth management arm of Natixis (Groupe BPCE) providing private banking, financial engineering, and investment solutions to HNW clients in France and internationally. Adjacent product offerings and similar CGP positioning.
• BNP Paribas Wealth Management: International private banking arm of BNP Paribas providing cross-border wealth management to HNW clients globally, including expatriates. Overlaps significantly but operates at much larger scale with broader geographic reach.
• Neuflize OBC: French private bank (subsidiary of ABN AMRO) providing wealth management, asset management, and family office services to HNW clients with cross-border capabilities. Comparable high-touch advisory model for HNW segment.

Direct peers

• ODDO BHF: Franco-German private banking and asset management group formed from the merger of French Oddo and German BHF. Directly comparable as a cross-border Franco-German financial services provider serving HNW individuals with wealth management, advisory, and asset management products across both jurisdictions.
• UFF (Union Financière de France): French wealth management advisory firm (gestion de patrimoine) serving individual clients with similar advisory, assurance-vie, and SCPI distribution model. Highly comparable business structure and regulatory positioning as a CIF-registered CGP.
• Vega Investment Managers: French wealth management and asset management firm serving HNW clients with similar advisory model, gestion privée mandates, and product distribution. Comparable boutique wealth advisory structure with CGP positioning.
• La Française Group: French asset management and wealth advisory group offering gestion privée, SCPI, assurance-vie, and ISR-aligned investment solutions. Closely mirrors Mobilité Finance's product mix and HNW client focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mobilite-finance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Mobilite Finance