OPTIM PATRIMOINE

What OPTIM PATRIMOINE does

OPTIM PATRIMOINE is a privately-held French wealth management advisory firm (SARL) founded in 2007 by Michel Hantute and headquartered in Béthune, Hauts-de-France. The firm operates with a two-person team (Michel Hantute as Associé Gérant and Aurore Hantute as Conjointe Associée) and delivers personalized wealth management services to individual and professional clients. Its client value proposition centers on four core advisory pillars: patrimony valuation (analyzing existing assets across risk, tax, and family dimensions), investment advisory (real estate, stock market, business, wine, forestry), tax optimization (defiscalisation across LMNP, Malraux, Girardin, PERP, Madelin vehicles), and life insurance (french assurance vie). Supplementary services include loan insurance renegotiation (leveraging the 2022 Lemoine law), retirement planning, and real estate transactions.

The business model is a traditional relationship-based professional services model, with revenue derived from advisory fees and commissions on recommended financial products. The firm holds multiple regulatory registrations critical to French wealth advisory: ORIAS registration (15002676) as a CIF under AMF supervision, ACPR-controlled insurance broker status, and a real estate transaction professional card (CPI 6202 2017 000 019842). It is a member of ANACOFI and CGPE. The go-to-market is sales-led, direct advisory consultations at the Béthune office targeting mid-market French clients in the Hauts-de-France region.

The firm's competitive positioning rests on the founder's credentials—DESCF certification, Master 2 in Wealth Management (2007), 30 years of real estate experience since 1993, and recent Executive Master EMPPGP from Paris Dauphine (October 2025)—combined with rigorous balance sheet and tax analysis expertise derived from 14 years of prior accounting experience. Documented client outcomes include loan insurance savings of up to 64% (€3,500 on a €66,000 loan) and 55% on larger mortgages. No technology platform, proprietary software, or AI/ML capabilities are present; the firm operates without an app, API, or digital channels.

Name

OPTIM PATRIMOINE

Legal name

SARL Optim'patrimoine

Website

https://optimpatrimoine.com

Company type

Private

Founded year

2007

Operating status

Operating

Short description

OPTIM PATRIMOINE is a family-owned French wealth management advisory firm (SARL) founded in 2007 by Michel Hantute in Béthune, France. The two-person firm provides patrimony valuation, investment, tax optimization, and life insurance advisory services to individual and professional clients in the Hauts-de-France region.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEABAA

Registered Investment Advisor (RIA) Wealth Management

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAAACAI

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAAACAD

Tax-Focused Wealth Management RIAs

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAEAAAN

Private Client/High-Net-Worth Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

• Wealth management advisory
• Tax optimization services
• Investment advisory
• Life insurance planning
• Patrimony management

Headquarters

HQ city

Béthune

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Wealth Management Advisory: Advisory services for patrimony management including investment advice, tax optimization, wealth valuation, life insurance, and real estate transactions. Revenue derived from advisory fees and potentially commissions on financial products recommended.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

OPTIM PATRIMOINE provides wealth management and patrimonial advisory services for individual clients (particuliers) and professionals. Its core services include patrimony valuation, investment advisory, tax optimization (défiscalisation), life insurance structuring, real estate advisory, and renegotiation of loan insurance contracts. The firm operates as a SARL registered in France and delivers personalized advisory engagements centered on each client's financial situation.

Product overview

OPTIM PATRIMOINE is a wealth management advisory firm (SARL) founded in 2007 by Michel Hantute, offering a portfolio of integrated advisory services for private clients and professionals. The core offering centers on four main pillars: Valorisation du patrimoine (patrimony valuation), Investissement (investment advisory), Défiscalisation (tax optimization), and Assurance vie (life insurance). These services are complemented by supplementary offerings including retirement planning, loan insurance renegotiation, and real estate transaction services. The firm leverages 30 years of real estate and financial management experience, combining rigor from accounting expertise with comprehensive tax and balance sheet analysis to develop personalized long-term wealth strategies.

Differentiator

Problem solved

Functional benefit

Products and services

• Valorisation du patrimoine (Patrimony Valuation)
• Investissement (Investment Advisory)
• Défiscalisation (Tax Optimization)
• Assurance vie (Life Insurance Advisory)
• Renégociation d'assurance de prêt (Loan Insurance Renegotiation)
• Conseil immobilier (Real Estate Advisory)

Quantifiable outcome

• 64% savings on loan insurance (€3,500 for €66,000 loan)
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor and core.

• CGPE (Cercle de Gestion de Patrimoine Européen)minorOthersProfessional membership organization for wealth management professionals. Optim'Patrimoine displays CGPE affiliation logo on website as credential indicator.
• ANACOFIcoreOthersAssociation agréée par l'Autorité des Marchés Financiers. The firm is a member of ANACOFI, which is an approved association by the French Financial Markets Authority for financial investment advisors.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• Nalo: Nalo is a French fintech offering automated, goal-based investment and wealth management via a digital platform aimed at mass-affluent French clients. Competes indirectly with Optim'Patrimoine for the same particulier segment but via a fully digital, low-fee robo-advisory model rather than personalized face-to-face advice.

Direct peers

• Eden Patrimoine: Eden Patrimoine is a French wealth management advisory firm specializing in patrimony, investment, and tax optimization for particuliers and professionnels. Closely comparable CIF-led model and product mix at a similar independent-advisor scale.
• Inokeo: Inokeo is a French independent wealth management advisory firm (CIF) serving particuliers and professionals across France with patrimony, investment, and tax advisory services. Closely matches Optim'Patrimoine on customer segment, regulatory regime (CIF/ORIAS), and service mix, though at a larger national scale.
• Family Patrimoine: Family Patrimoine is a French independent wealth management advisor (CIF registered with ORIAS) serving individual and professional clients with investment, tax, and life insurance advisory. Very similar business model and product set to Optim'Patrimoine, operating on a comparable scale as a small independent CIF.
• Cyrus Conseil: Cyrus is a French independent wealth management group, ORIAS-registered and AMF-supervised, providing investment advisory, défiscalisation, life insurance, and real estate advice to individual and professional clients. Comparable regulatory and product footprint, but materially larger and multi-office versus Optim'Patrimoine's single-office setup.
• La Financière d'Orion: French independent wealth management advisory offering investment, tax, and patrimoine services to individual and professional clients under CIF/AMF supervision. Comparable CIF model, customer segment, and advisory-led delivery — directly relevant peer.
• Ataxa: Ataxa is a French CIF-registered wealth management advisory firm serving individuals and professionals on investment, défiscalisation, and patrimoine matters. Comparable position as an independent CIF with a similar advisory service model.
• AZKA Patrimoine: AZKA Patrimoine is a French independent patrimoine advisor offering investment, tax optimization, and life insurance solutions under CIF/ORIAS regulation. Direct comparator on regulatory status and product focus, though operating with broader geographic reach.

Broad incumbents

• Primonial: Primonial is one of France's largest independent wealth management groups, offering investment, insurance, real estate, and advisory services to particuliers and professionnels under AMF/ACPR supervision. Operates in the same product space as Optim'Patrimoine but as a major incumbent serving a national, multi-channel client base.
• Lazard Banque Privée: Lazard Banque Privée is a major French private bank providing wealth advisory, investment management, and tax planning to high-net-worth individuals in France. Overlaps with Optim'Patrimoine on patrimoine advisory but serves a UHNW segment and operates at a vastly larger scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

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 OPTIM PATRIMOINE