AQUIS Patrimoine

What AQUIS Patrimoine does

AQUIS Patrimoine is a privately-held, regulated French wealth management advisory firm (Conseiller en Gestion de Patrimoine) headquartered in Saint Caprais de Bordeaux, operating under RCS 823 750 237 with €360,000 share capital. The firm serves approximately 400 families in the Nouvelle-Aquitaine region through two horizontal client segments — individuals (Particuliers) and business professionals (Professionnels) — addressing retirement planning, tax optimization, estate transmission, asset diversification, and real estate wealth building. Its core product, 'Conseil en Gestion de Patrimoine,' is delivered through a multi-year engagement ('lettre de mission') preceded by a free discovery meeting and followed by semi-annual follow-up billing, with supplementary service modules covering retirement preparation, estate protection, fiscal and asset optimization, and real estate wealth construction.

The firm operates as a human-advisor practice with no proprietary technology platform; advisory work is performed by a small team led by Managing Director Fabien Bonneau (credentialed since 1996), wealth advisor Philippe Penaud (former bank branch director, joined 2018), and an executive assistant, with one alternant scheduled to join in October 2026. AQUIS Patrimoine holds full French regulatory credentials: Orias registration (n° 17 000 013), CNCGP membership, carte immobilière (3301 2017 000 022 920), MMA IARD professional liability insurance, and CNIL/GDPR data compliance. It maintains an ecosystem of distribution partnerships with insurance and wealth product providers (Abeille Assurances, Ageas Patrimoine, April, AXA Thema, Cardif, Generali, Generali Patrimoine, Intencial, Novaxia, Oddo, Operlis, Perial, France Valley) and promotes a core partnership with CVE for photovoltaic/biogas investments, alongside the AQUIS Immobilier sub-brand for real estate services.

Revenue is generated through three streams: professional services fees for patrimonial studies and ongoing advisory, entry fees paid by partner financial institutions on product placement, and management fee rebates on monitored portfolios. The firm positions itself as fully independent with no exclusive ties to financial institutions, emphasizing transparent remuneration ('Notre rémunération : un intérêt partagé') and multi-disciplinary collaboration with clients' accountants, notaries, and lawyers. Its go-to-market is relationship-led, driven by professional referrals, semi-annual newsletters, and its website, targeting mid-market households and professionals in the Bordeaux catchment with no stated geographic expansion or external funding.

Name

AQUIS Patrimoine

Legal name

Aquis Patrimoine

Website

https://aquispatrimoine.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

AQUIS Patrimoine is a French independent wealth management advisory firm (Conseiller en Gestion de Patrimoine) based in Saint Caprais de Bordeaux, serving approximately 400 families in the Nouvelle-Aquitaine region across individuals and business professionals with retirement, tax, estate, and real estate advisory services.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE)

akta.pro secondary industry

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

Keywords

• Wealth management advisory
• Tax optimization consulting
• Retirement planning services
• Estate planning advisory
• Real estate investment advisory

Headquarters

HQ city

Saint-caprais-de-bordeaux

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. Honoraires d'étude patrimoniale et suivi: Fees for patrimonial studies and ongoing advisory services. The firm offers initial discovery meetings free of charge, then charges for comprehensive patrimonial analysis upon acceptance of their engagement letter. Semi-annual follow-up billing is available based on client situation.
2. Frais d'entrée: Entry fees - commissions paid by financial institutions selected for clients. These fees are received from partner organizations when clients invest in recommended financial products.
3. Frais de gestion: Management fees collected by financial institutions, with a portion rebated to AQUIS Patrimoine for ongoing advisory and portfolio monitoring services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

AQUIS Patrimoine is an independent French wealth management advisory firm (Conseiller en Gestion de Patrimoine) providing personalized patrimonial studies and ongoing advisory to approximately 400 families in the Bordeaux region. Core services span retirement preparation, asset optimization, tax optimization, estate transmission, real estate wealth building, and the distribution of structured investment products (SCPI, structured notes, CVE renewable energy bonds) in collaboration with partner financial institutions.

Product overview

AQUIS Patrimoine operates as a comprehensive wealth management advisory firm offering a unified portfolio of services centered on its core 'Conseil en Gestion de Patrimoine' offering. The firm provides holistic advisory services for both individuals (Particuliers) and professionals (Professionnels), including retirement planning, estate transmission, asset optimization, tax optimization, and real estate wealth building. The portfolio includes the AQUIS Immobilier sub-brand for real estate services, alongside structured products (SCPI), photovoltaic/biogaz investments (CVE), and structured investment products. All services are delivered through a team of human advisors with expertise in financial engineering, operating as independent advisors to ensure client interests are prioritized.

Differentiator

Problem solved

Functional benefit

Products and services

• Conseil en Gestion de Patrimoine (Wealth Management Advisory) Comprehensive wealth management advisory service for individuals and professionals, including retirement planning, asset optimization, tax optimization, estate planning, and real estate investment advice. The firm serves 400 families as independent advisors and provides initial discovery meetings free of charge, followed by a formal engagement letter (lettre de mission) with semi-annual follow-up billing.
• AQUIS Immobilier Real estate services sub-brand connected to the main wealth management advisory, providing property-related investment opportunities and real estate wealth building services for clients. Connects clients across the firm's 400-family base with real estate opportunities.
• Préparation de la Retraite (Retirement Planning) Retirement planning service that helps clients diversify financial resources and compensate for the projected 50% loss of income at retirement through strategies combining mandatory pension funds, real estate assets, financial investments, and supplementary retirement solutions. Targets individuals approaching or in retirement.
• Transmission et Protection du Patrimoine (Estate Transmission and Protection) Estate planning and wealth transmission service including matrimonial regime arrangements, lifetime donations, tax allowances utilization, life insurance, and capitalization contracts to optimize wealth transfer to beneficiaries. For individuals and families planning intergenerational wealth transfer.
• Optimisation Patrimoniale (Asset Optimization) Asset optimization service providing global analysis of client wealth to identify strengths and weaknesses, deploying financial strategies and activating fiscal and real estate levers to preserve or increase wealth. For individuals seeking holistic wealth structuring.
• Optimisation Fiscale (Tax Optimization) Tax optimization service that analyzes client tax structure and selects optimal products for tax reduction or deduction, including financial, real estate, and other strategies for sustainable tax serenity. Targets individuals and professionals seeking to reduce tax burden.
• Constitution d'un Patrimoine Immobilier (Real Estate Wealth Building) Real estate wealth building advisory covering primary residence acquisition, new vs. existing property investments, VEFA purchases, life annuity options, tax-efficient rental strategies (LMNP/LMP), and property tax reduction solutions. For clients seeking to build property-based wealth.

Named customers1 record

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

15 partnerships are on record, tiered minor and core.

• ABEILLE ASSURANCESminorOthersInsurance partner listed on the firm's partner page, providing insurance products as part of comprehensive wealth management solutions.
• AGEAS PATRIMOINEminorOthersWealth management partner offering insurance and financial products through the firm's advisory services.
• APRILminorOthersInsurance partner providing coverage products as part of the firm's wealth management recommendations.
• AXA THEMAminorOthersAXA THEMIS insurance partner for wealth protection and insurance solutions.
• CARDIFminorOthersBNP Paribas subsidiary providing insurance and financial products for the firm's client recommendations.
• CVEcoreOthersIndustrial company specializing in photovoltaic electricity production and biogas via methanizers. CVE is highlighted as a key investment opportunity in the Summer 2026 newsletter, offering 6-8% annual coupons for investments starting at €5,000 with durations of 2-8 years. The firm actively promotes this investment to clients.
• FRANCE VALLEYminorOthersForestry and land investment partner offering alternative investment products for portfolio diversification.
• GENERALIminorOthersMajor insurance group providing life insurance and wealth protection products.
• GENERALI PATRIMOINEminorOthersGenerali's wealth management platform offering specialized savings and investment products.
• INTENCIALminorOthersWealth management solutions partner providing financial products and advisory tools.
• NOVAXIAminorOthersReal estate investment partner offering opportunities in property development and renovation projects.
• ODDOminorOthersFinancial services group providing investment and wealth management solutions.
• OPERLISminorOthersFinancial partner offering specialized investment products for client portfolios.
• PERIALminorOthersSCPI (Real Estate Investment Trust) partner offering rental property investment opportunities for client diversification.
• WebulousminorImplementation/ SI/ Consulting PartnerWebsite development and hosting partner responsible for the firm's digital presence and online tools.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Linxea: Online brokerage/wealth platform specializing in life insurance, PER and SCPI distribution. Tangentially comparable as a distribution channel for some of the same product families (assurance-vie, SCPI) AQUIS recommends, but with a digital rather than advisor-led model.

Broad incumbents

• Boursorama Banque: Major French online bank and brokerage offering investment, savings and life insurance products to retail clients. Competes for the same individual investor wallet, though via a fully digital self-service model versus AQUIS's personalized advisory.
• Kéa & Cie (formerly Cyrus Conseil): One of France's largest independent wealth management advisory platforms (Conseil en Gestion de Patrimoine). Comparable core offering of personalized patrimonial engineering for individuals and entrepreneurs, but at national scale with significantly larger advisor headcount and AUM than AQUIS Patrimoine.

Direct peers

• Magnacarta Patrimoine: French independent wealth management advisory firm targeting private clients with retirement, transmission and tax optimization solutions. Similar CGP business model, partner-driven revenue and relationship-led distribution.
• Netinvestissement: French wealth advisory and financial engineering firm offering personalized patrimonial studies, tax optimization and investment advisory. Comparable service catalog and CNCGP-registered advisor model, with broader national reach.
• Optimind Gestion Privée: French independent wealth management advisory firm offering retirement, transmission and tax optimization services to individuals and business owners. Directly comparable CGP positioning, multi-partner product shelf and advisor-led engagement model to AQUIS Patrimoine.
• Bienprévenir.fr: French independent advisory practice specializing in patrimoine, retirement and inheritance planning for individuals and business owners. Overlaps directly with AQUIS's service modules and SMB/professional client segments.
• Patrimonia Groupe: Independent French CGP group providing holistic wealth advisory (financial, real estate, tax, succession) to individuals and professionals. Closely matches AQUIS's holistic patrimonial engineering model with multi-carrier partner access.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/aquis-patrimoine

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 AQUIS Patrimoine