Groupe Cib
Groupe CIB is a 100-year-old French SACICAP cooperative headquartered in Saint-Brieuc, Brittany, that develops, builds, and manages social and affordable housing through subsidiaries SECIB Immobilier and BSB Les Foyers, serving 250+ local authorities and modest households across the Grand Ouest region of France.
- Company typePrivate
- Founded1924
- HeadquartersSaint-brieuc, France
- Headcount—
- GTM typeB2B
- OfferingServices
What Groupe Cib does
La Coopérative Immobilière de Bretagne (Groupe CIB) is a French SACICAP cooperative founded in 1924 in Saint-Brieuc, Brittany, and member of the national Procivis network. The cooperative develops, builds, and manages social and affordable housing while advising public authorities on territorial planning. Its operations span five business areas: territorial consulting and project management assistance (AMO), urban planning, construction and rehabilitation of housing, social accession and rental housing (through BSB Les Foyers), and specific accommodation programs (youth workers, students, seniors, people with disabilities) through SECIB Immobilier.
CIB delivers mixed-housing projects combining libre accession (freehold), Bail Réel Solidaire (BRS), PSLA, and social rental within single developments, a model enabled by its 2022-launched Organisme de Foncier Solitaire (OFS) and the dual subsidiary structure. Technical capabilities emphasize sustainable construction: Passivhaus-certified buildings, E+C- (E3C1/E3C2) energy performance, NF Habitat HQE certification, biosourced materials (cross-laminated timber, wood-frame construction), and integration with municipal wood-heating networks (e.g., Rennes Métropole). The 2022 Kernae endowment fund deploys €200,000 annually to social innovation projects, while the 3% Solidarité commitment reinvests 3% of annual turnover (€2.5M in 2023) into social accession assistance, renovation loans (€2,000-€30,000 at 0% over 15 years), and general interest associations.
The business model combines recurring rental income from over 10,000 managed social housing units, transaction-based property development sales through SECIB Immobilier, and a cooperative ownership structure where associates do not receive dividends and value is reinvested in the territory. The cooperative serves 250+ Breton local authorities, modest households, young workers, seniors, and partner developers through long-term municipal partnerships, with regional offices in Rennes, Brest, Lorient, and Saint-Malo in addition to the Saint-Brieuc headquarters. ~170 collaborators operate the group, which celebrated its centennial in 2024.
Groupe Cib firmographics
Firmographics- Name
- Groupe Cib
- Legal name
- La Coopérative Immobilière de Bretagne
- Website
- https://groupe-cib.fr
- Company type
- Private
- Founded year
- 1924
- Operating status
- Operating
- Short description
- Groupe CIB is a 100-year-old French SACICAP cooperative headquartered in Saint-Brieuc, Brittany, that develops, builds, and manages social and affordable housing through subsidiaries SECIB Immobilier and BSB Les Foyers, serving 250+ local authorities and modest households across the Grand Ouest region of France.
- Ownership category
- akta.pro rank
Groupe Cib industry classification
Industry- Product category
- Social and Affordable Housing
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Lessors of Residential Buildings and Dwellings (53111)
- SIC
- Real Estate Agents & Managers (For Others) (6531), Land Subdividers & Developers (No Cemeteries) (6552), Lessors Of Real Property, Nec (6519)
- akta.pro primary industry
- Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)
- akta.pro secondary industry
- Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)
Keywords
Where Groupe Cib is headquartered
LocationHeadquarters
- HQ city
- Saint-brieuc
- HQ country
- France
- HQ region
- Europe
Offices5 records
Markets served
Groupe Cib business model
Business model- GTM type
- B2B
- Offering type
- Services
Revenue model
- Social Housing Management: Management of over 10,000 social housing units across Brittany, generating rental income from tenants
- Property Development (Secib Immobilier): Private real estate development through subsidiary Secib Immobilier, focusing on mixed projects combining social and libre accession
- Social Housing Rental (BSB Les Foyers): Social housing rental operations through subsidiary BSB Les Foyers, managing housing for modest households
- 3% Solidarité Redistribution: Reinvestment of 3% of annual turnover into social missions: property accession assistance, housing renovation, and general interest associations. In 2023, €2.5 million redistributed
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Social housing rental with regulated pricing |
| Transaction based/ take rate | Monthly | Zero-interest loans for social property accession (€10,000-€15,000 over 10-15 years) |
| Outcome Based/ Performance | Monthly | Housing renovation grants (€2,000-€30,000 at 0% interest over 15 years) |
| Subscription | Monthly | OFS Land Rent (Bail Réel Solidaire) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Groupe Cib product offering
Product offeringCore offering
Groupe CIB (Coopérative Immobilière de Bretagne) develops, builds, and manages social and affordable housing across Brittany and the Grand Ouest of France, while advising public authorities on territorial and urban planning. Through its subsidiaries SECIB Immobilier and BSB Les Foyers, it operates mixed real estate development projects combining private promotion (VEFA, BRS, PSLA) and social housing, supported by an Organisme de Foncier Solidaire (OFS) for land dissociation and a Kernae endowment fund for social innovation.
Differentiator
Problem solved
Functional benefit
Brands
- 3% Solidarité: The cooperative's commitment to redistribute 3% of annual turnover to social causes: social property ownership, housing renovation, and general interest associations.
- OFS (Organisme de Foncier Solidaire)
- Kernae (Fonds de dotation)
Products and services
- Social Housing Rental (BSB Les Foyers) Management of social housing rental units for modest households through subsidiary BSB Les Foyers, with over 10,000 social housing units managed in the portfolio and allocations handled through standard housing application processes.
- Real Estate Development (SECIB Immobilier) Private real estate development through subsidiary SECIB Immobilier, marketing new housing units (VEFA, BRS, PSLA) combining social and free accession properties directly to individual buyers and through independent sales agents.
- Territorial Planning Consulting and AMO Advisory and Assistance à Maîtrise d'Ouvrage (AMO) services provided to Breton municipalities and intermunicipal structures, supporting housing development, urban renewal, and sustainable territorial planning initiatives.
- Bail Réel Solidaire (BRS) Affordable Property Access Affordable property access program operated through the cooperative's OFS, which separates land ownership (leased long-term by the OFS at €1-2/month/m²) from building ownership to reduce purchase costs by 30-40% for modest households.
- Zero-Interest Property Accession Loans Zero-interest loans of €10,000 to €15,000 over 10-15 years offered to modest households purchasing property through SECIB Immobilier or BSB Les Foyers social housing stock.
- Housing Renovation Aid Program Zero-interest loans of €2,000 to €30,000 over 15 years maximum for energy renovation and accessibility improvements for modest households, helping to address energy precarity.
- Sustainable Housing Construction and Rehabilitation Construction and rehabilitation of housing with sustainability focus, achieving Passivhaus certification, E+C- (E3C1/E3C2) energy standards, NF Habitat HQE certification, and integration of biosourced materials such as wood construction.
- Specialized Housing Accommodations Specialized housing solutions for young workers and students (e.g., Le Colibri Habitat Jeunes with 134 units), seniors (e.g., Résidence des Iles with 9 senior units), and people with disabilities, managed through BSB Les Foyers.
Companies that use Groupe Cib
Customer profileNamed customers7 records
Segments5 records
Groupe Cib technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Groupe Cib partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- Les Hameaux LégerscorePartnership with Les Hameaux Légers association to develop reversible habitats using Bail Réel Solidaire (BRS) in rural Breton territories. The association designs lightweight wooden housing (tiny houses, demountable habitats) on communal lands with shared spaces. CIB provides financial support through Kernae fund (first call for projects winner) and OFS services for land leasing. First project in Binic-Etables-sur-Mer.
- Rennes Métropole OFScoreCIB was previously involved in the OFS founded by Rennes Métropole before creating its own OFS in 2022. This partnership enabled the development of BRS projects in the Rennes metropolitan area.
- Dinard and Saint-Malo Basin OFScoreCIB was also a stakeholder in the OFS created by communities of the Dinard and Saint-Malo basin, expanding BRS coverage in coastal areas.
- TrecoboisminorConstruction partner for individual wooden houses in the HOME project at Chartres-de-Bretagne. Trecobois fabricates and assembles wooden frame houses as part of the sustainable construction approach.
- Guinée * Potin and Atelier ArcauminorArchitects for the HOME project in Chartres-de-Bretagne, designing collective and individual housing with biosourced materials and connection to Rennes Métropole wood heating network.
- LIAPminorLandscape architects for the HOME project, responsible for landscaping and green space design respecting existing natural environment including restored blue-green corridors.
- Produit en BretagnecoreCIB is a member of Produit en Bretagne association, participating in prospective thinking groups on housing and supporting regional economic development. Both SECIB Immobilier and BSB Les Foyers are members.
- ImproveminorNon-profit association engaged by CIB to evaluate the real impact of housing renovation aid missions for modest households. 2023 study surveyed 19 households and 8 artisans.
- Arch ImmobilierminorPartner in the Agora project at Melesse, combining Secib Immobilier and BSB Les Foyers expertise with Arch Immobilier for multi-generational development including property units, senior residence, nursery, and commercial spaces.
- Atelier d'Architecture Le GarzicminorDPLG architect for Agora project, designed buildings to integrate with surroundings and create connections through green spaces, achieving NF Habitat and CERQUAL certifications.
- Solidarité Paysans de BretagneminorPublic vote winner of Kernae coup de cœur prize, receiving pro bono support from CIB to increase visibility and mobilization. Association fights poor housing conditions among farmers.
- FratriesminorWinner of Kernae employees and administrators coup de cœur prize, receiving €2,000 additional funding beyond the standard €10,000 envelope, result of Giving Tuesday employee donations matched by CIB.
- Les Amitiés SocialescoreHistoric partner managing youth housing facilities. Association created the first young workers residence in Brittany in 1956 and was instrumental in creating SA Les Foyers, which merged with BSB in 2024. Current collaboration on Le Colibri Habitat Jeunes project.
- ETAP'HABITAT / Association AILEScorePartner for Résidence des Iles in Quimper, managing the youth housing component while BSB Les Foyers handles senior housing in this inter-generational project of 48 total units.
- Laurent GicquelminorArchitect for Le Gwennili project in Châtelaudren-Plouagat, designing 7 individual social housing houses with reinforced insulation and individual heat pumps.
- Agence Architecture PlurielleminorArchitects for Les Granges d'Acigné / Le Castanéa project, designing two buildings in cross-laminated timber combining libre accession and social housing.
- ALTAminorArchitects for Les Préaux project in Saint-Malo, designing eco-neighborhood with 11 houses and 26 apartments using BRS system.
- Emeraude HabitationminorSocial housing operator for Les Préaux project, managing 26 apartments in social rental alongside Secib Immobilier's 11 BRS houses.
Scale indicators11 records
Recent moves8 records
Expansion highlights6 records
Groupe Cib competitors and assessment
Company assessmentBroad incumbents
- Nexity: France's largest private real estate developer, with significant social-housing and accession programs. Comparable to SECIB Immobilier in property development scope, though without CIB's cooperative mandate.
- Icade: Listed French real estate company with healthcare, residential, and social-housing segments. Overlaps with CIB in affordable residential development and asset-light management services.
- Action Logement: France's largest social-housing funder and operator, financed by employer contributions. Provides subsidized housing programs (e.g., Visale, Loca-Pass) and competes with SACICAPs for affordable-housing mandates.
- CDC Habitat: Largest social housing landlord and developer in France, owned by Caisse des Dépôts. Operates a national portfolio comparable to CIB's BSB Les Foyers, but at vastly greater scale and with broader geographic reach.
- Procivis: National federation of SACICAP cooperatives to which CIB belongs. Aggregates Procivis members' shared services, financing, and policy advocacy — the umbrella organization governing CIB's cooperative status.
Direct peers
- Vilogia: Major French HLM operator managing social and intermediate rental housing across northern France. Directly comparable to BSB Les Foyers in rental portfolio management and territorial anchorage.
- Erilia: Regional HLM operator active across southern and western France, providing social rental and accession services to collectivités. Comparable in operating model and municipal partnership approach to CIB.
- Groupe Arcade-VYV: National network of HLM cooperatives and social-housing operators combining private development and social rental — a structural analog to CIB's SECIB + BSB dual-subsidiary model.
- Coop HLM: Federation of cooperative HLM operators across France sharing the cooperative, member-based model. Most direct structural analog to CIB's SACICAP governance and reinvestment logic.
- Immobilière 3F: One of France's largest social housing operators (subsidiary of Action Logement), managing tens of thousands of units nationwide. Closely comparable to CIB in core social-rental activity.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Groupe Cib social profiles
Digital presenceGroupe Cib financial estimates
Financial estimateRevenue estimate
Valuation estimate
Groupe Cib leadership team
Management profileNumber of profiles
Groupe Cib subsidiaries and ownership
Company hierarchySubsidiaries4 records
Groupe Cib funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Groupe Cib 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 Groupe Cib
What does Groupe Cib do?
Groupe CIB (Coopérative Immobilière de Bretagne) develops, builds, and manages social and affordable housing across Brittany and the Grand Ouest of France, while advising public authorities on territorial and urban planning. Through its subsidiaries SECIB Immobilier and BSB Les Foyers, it operates mixed real estate development projects combining private promotion (VEFA, BRS, PSLA) and social housing, supported by an Organisme de Foncier Solidaire (OFS) for land dissociation and a Kernae endowment fund for social innovation.
Is Groupe Cib a public or private company?
Groupe Cib is a private company. It is classified as management employee owned and is currently operating.
When was Groupe Cib founded?
Groupe Cib was founded in 1924.
Where is Groupe Cib based?
Groupe Cib is headquartered in Saint-brieuc, France, in the Europe region.
How does Groupe Cib make money?
Four revenue lines are on record. Social Housing Management is the primary driver. The others are property Development (Secib Immobilier), social Housing Rental (BSB Les Foyers) and 3% Solidarité Redistribution.
Who are Groupe Cib's main competitors?
Broad incumbents on record are Nexity, Icade, Action Logement, CDC Habitat and Procivis. Direct peers are Vilogia, Erilia, Groupe Arcade-VYV, Coop HLM and Immobilière 3F.
Does Groupe Cib have an API?
No public API is recorded for Groupe Cib.
What industry is Groupe Cib in?
Groupe Cib's product category is Social and Affordable Housing. Its primary akta.pro industry code is BPAGALAC, Affordable Housing & Community Development (Housing, Community Land Trusts), with a secondary code of FSALAKAF, Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans). Its NAICS code is 522310 and its SIC code is 6531.