asterale

What asterale does

ASTERALE is an independent wealth management and patrimonial advisory firm (conseil en gestion de patrimoine) founded in 2023 by Sébastien Bailly and headquartered in Arcueil, southern Parisian suburbs. The firm operates as a SASU with €1,000 share capital and serves high-net-worth individuals, business owners, liberal professionals, and senior corporate executives in Paris and the Île-de-France region, with a stated minimum client-asset threshold of €500,000 and typical portfolios of €1M–€10M. Service offerings span financial planning, life insurance and assurance-vie structuring (including Luxembourg-domiciled contracts), retirement optimization (PER, Madelin TNS), real estate investment (SCPI, LMNP, Malraux, monuments historiques, nue-propriété), tax engineering (IFI, plus-values, Girardin, FCPI/FIP, SOFICA), business succession (apport-cession, Dutreil pacts, holding structures, OBO), and estate transmission (donation-partage, démembrement). Pricing is built on three fee streams: one-off patrimonial study honoraria of €1,500–€5,000 TTC, retrocessions transparently disclosed from product providers (with a 100% fee-based opt-out), and renewable annual monitoring retainers with quarterly check-ins.

The technology footprint is modest and client-facing rather than proprietary-AI driven. It consists of a main website (asterale.fr) cataloguing 37 financial and real estate solutions with dedicated product pages, 15+ interactive patrimonial simulators covering PER, Madelin, PEA, assurance-vie, SCPI, LMNP, IFI, succession, and business-owner topics, the Sygma bilateral assessment platform at sygma.asterale.fr, an investor profile questionnaire inspired by MIF II yielding 7 risk profiles, comparison tools, and Calendly-integrated appointment booking. The firm holds CIF, MIOBSP insurance broker, and Carte professionnelle immobilière registrations (all under ORIAS n° 23 007 423), is a member of ANACOFI-CIF, and is supervised by the AMF and ACPR with professional liability insurance via Zurich Insurance.

The business model is sole-advisor, sales-led, and advisory-driven rather than product-driven. Sébastien Bailly is the sole named advisor and founder; all client engagements are concluded through personalized in-person or video sessions, with no digital self-serve product sales or marketplace distribution. The GTM is built on content marketing (21 geo-targeted SEO landing pages across Paris arrondissements and Île-de-France communes), educational simulators as lead-engagement and qualification tools, referral relationships with notaries/tax lawyers/accountants, and an off-market premium real estate partnership covering €3M–€500M tickets. The 100% independence claim — no capital ties to any bank, insurer, or asset manager — is a central positioning pillar, distinguishing the firm from captive private banking offerings. The model is operationally a personalized white-glove boutique with very high per-client economics (case studies document 10-year projected client savings of €480k–€12.5M) but constrained scalability by the single-advisor structure.

Name

asterale

Legal name

ASTERALE, SASU au capital de 1 000 €

Website

https://asterale.fr

Company type

Private

Founded year

2023

Operating status

Operating

Short description

ASTERALE is an independent French wealth-advisory boutique (SASU, founded 2023, Arcueil) offering 360° patrimonial engineering — financial, real estate, tax, retirement, and succession — to HNWIs and business owners in Paris and Île-de-France with assets starting at €500k, delivered by founder Sébastien Bailly as sole advisor.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Offices of Real Estate Agents and Brokers (5312), Trusts, Estates, and Agency Accounts (525920)

SIC

Investment Advice (6282), Real Estate Agents & Managers (For Others) (6531), Life Insurance (6311)

akta.pro primary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

akta.pro secondary industries

Estate Planning & Trust Structuring Advisory (FSAEAKAC), Luxury & High-End Residential Brokerage (BPAJAAAC)

Keywords

• Wealth management advisory
• Financial planning services
• Real estate investment advisory
• Tax optimization advisory
• Estate transmission planning

Headquarters

HQ city

Arcueil

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory honoraries: Fees for patrimonial studies, typically 1,500 EUR to 5,000 EUR TTC depending on complexity. Extended missions (business sale, international structuring, off-market) quoted separately. Fee-based model with full transparency on retrocessions.
2. Retrocessions / commissions from product providers: As an insurance broker and banking intermediary, ASTERALE receives retrocessions from insurance companies, asset management firms, banks, and real estate developers whose products are subscribed by clients. Disclosed transparently in the Document d'Entree en Relation (DER) and engagement letter. Clients may opt for 100% fee-based model with full retrocession pass-through.
3. Follow-up and retainer advisory: Annual monitoring missions with quarterly check-ins, providing ongoing patrimonial advice on markets, tax law changes, and life events.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

ASTERALE is an independent wealth management advisory firm offering 360° patrimonial engineering to high-net-worth individuals, business owners, and liberal professionals in the greater Paris area. Services include a comprehensive diagnostic of financial, real estate, tax, retirement, and succession situations; custom patrimonial architecture; recommendation and intermediation across 37+ financial and real estate vehicles (PER, Assurance-Vie, PEA, SCPI, LMNP, Malraux, etc.); and ongoing annual monitoring with quarterly check-ins. The firm operates as a Conseiller en Investissements Financiers (CIF), IOBSP insurance broker, and Carte T real estate cardholder, providing advisory on a fee or fee-plus-retrocession basis with full transparency.

Product overview

ASTERALE is an independent wealth management advisory firm offering a comprehensive portfolio of 37+ financial and real estate investment solutions. The core offering comprises savings and retirement products (PER, Madelin, Assurance-Vie, PEA, CTO), real estate investments (SCPI, LMNP, SCI structures, Pinel, Malraux, Monuments Historiques), and tax optimization vehicles (Girardin, FCPI/FIP, SOFICA, GFI/GFV). The firm also provides estate planning, business succession (Pacte Dutreil, holding structures), and wealth transfer services. The approach is advisory-led with interactive financial simulators and personalized patrimonial architecture—not a software platform with modular components.

Differentiator

Problem solved

Functional benefit

Products and services

• Patrimonial Diagnostic 360° (Bilan Patrimonial) Complimentary first meeting (1 hour) followed by a full diagnostic of financial, real estate, fiscal, professional, and family situations including asset mapping and identification of optimization levers; available to prospects with total assets exceeding €500,000 in the greater Paris area.
• Custom Patrimonial Architecture (Ingénierie Sur-Mesure) Bespoke architecture of financial investments, real estate holdings, tax optimization, retirement planning, succession planning, and business-owner remuneration/sale structures, aligned with personal, professional, and family objectives; targeted at HNW individuals and business owners in the Paris metropolitan area.
• Annual Monitoring Retainer (Suivi Pérenne) Renewable annual mandate providing quarterly check-ins, market and tax-law updates, life-event support, and ongoing arbitrages for retained clients who completed the initial diagnostic and implementation phases.
• Extended Advisory Missions Project-based engagements covering business sale preparation (apport-cession 150-0 B ter, Dutreil pacts), family holding setup, international structuring, OBO operations, BSPCE/stock-option exercise planning, and access to off-market premium real estate opportunities; each engagement is custom-quoted.

Quantifiable outcome

• Annual tax savings of 11,000-56,000 EUR for typical clients through PER, Madelin, and LMNP optimizations
• +3 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Independent real estate agent partnercoreOthersASTERALE works in partnership with an independent real estate agent for property acquisition and sale referrals. The partner provides full-service support: property search, negotiation, and financing. Specifically serves the off-market premium segment (budgets 3M-500M EUR) for hotels particuliers, prestige properties, exceptional apartments, and hotel/commercial projects. This partnership extends ASTERALE's value proposition beyond pure financial advisory into real estate transaction facilitation.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Altaprofits: Independent French online wealth advisor (CGP en ligne) offering assurance-vie, PER, SCPI, and défiscalisation products with transparent fees. Directly comparable as a France-based independent advisory firm targeting the same HNW clientele with a similar product breadth and fee transparency.
• Cyrus Conseil: French independent wealth management advisory group serving HNW individuals and business owners. Comparable as a fellow CIF/CGP offering integrated patrimonial advisory including financial, real estate, tax, and succession services — though at significantly larger scale.
• Linxa: French independent CGP firm offering wealth engineering, tax optimization, and real estate advisory to HNW clients and business owners. Direct comparable as a fellow independent advisory boutique operating in the same product universe (assurance-vie, PER, LMNP, Dutreil, etc.).

Emerging players

• Nalo: French digital wealth manager offering automated, personalized investment advisory and life insurance products to retail and HNW investors. Comparable because both are France-based, fee-disclosed, and serve a similar investor base, though Nalo is algorithm-driven rather than human-advisory.
• Yomoni: French robo-advisor and online wealth manager offering UC-based assurance-vie, PER, and PEA. Adjacent peer as a France-based, digitally delivered investment advisory serving the same mass-affluent/HNW segment.

Broad incumbents

• Boursorama Banque: France's leading online bank offering PEA, assurance-vie, and CTO products to retail and mass-affluent investors. Adjacent as a competing distribution channel for the same underlying investment products ASTERALE recommends, though it lacks personalized HNW advisory.
• Rothschild & Co: Global private banking and wealth management group with a major Paris-based wealth & asset management practice serving UHNW clients. Relevant as a broad incumbent operating in the same UHNW advisory market segment though at materially higher scale and broader product suite.
• La Financière de l'Échiquier: Independent French asset management firm (Société de Gestion de Portefeuille) offering managed solutions and funds across equities, fixed income, and diversified strategies. Relevant as a France-based independent financial product provider that ASTERALE-curated advisory propositions may recommend.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 asterale