Broker Review

Unauthorised Firm Details
Name: Equilibre‑patrimoine.com
Website: equilibre‑patrimoine.com

What Is Equilibre Patrimoine?

Equilibre Patrimoine (via equilibre‑patrimoine.com) positions itself as a wealth‑management and financial‑planning firm specializing in “ingenierie patrimoniale” — that is, a holistic approach to optimizing a client’s assets (investments, real estate, tax planning, succession, retirement, etc.).

They offer a tailored, three-step process:

1. Patrimonial assessment — evaluating a client’s current financial and asset situation, identifying short- and long-term goals.

2. Strategy development — designing a personalized plan involving investments, tax strategies, real‑estate, and more.

3. Implementation and follow-up — they claim to help execute that strategy (through managed accounts, product selection, etc.) and continuously monitor and adjust it.

On their website, they explicitly list services such as:

• Managed portfolios under mandate

• Securities accounts, PEA (French-equivalent investment accounts)

• Real estate investments (especially via SCPI, which are “paper” real-estate vehicles)

• Insurance‑wrapper products: life insurance, tontine, and retirement plans (PER)

• Tax optimization and succession (estate) planning

• Assistance in obtaining credit for clients (e.g., loans) to help them invest or finance their projects.

They have offices (or at least a presence) in:

• France: 58 avenue Marceau, 75008 Paris.

• Luxembourg: 22, rue Michel Rodange, L‑2430.

• Spain: Madrid, Calle Hermosilla, 21.

Company Background & Structure

• Legally, Équilibre Patrimoine is registered in France under SIREN 527 736 060.

• According to Pappers, its form is a “fonds à forme sociétale à conseil d’administration” (a company‑structured fund with a board of directors).

• Its declared activity (APE / NAF code) is “constitution and management of a portfolio of financial instruments and deposits”.

• The capital is listed as €8,000,600.

• According to its “About Us” page, its leadership includes:

  • Wilfrid Galand, CEO, with a long background in banking and private wealth.

  • Nathalie Dimovitch, board member, with experience in strategy and corporate leadership.

  • Jean-Luc Martin, CFO.

• The company states its values as integrity, excellence, innovation, and long-term trust.

Reputation & Risk Factors

1. Low Trust Score

   • Equilibre-patrimoine.com has a very low trust score.

   • The domain is quite new: Whois data shows a registration date of July 31, 2024.

   • While the SSL certificate is valid, but a valid certificate alone doesn’t guarantee legitimacy.

2. Consumer‑Protection Review

   • According to FranceVerif, the site was evaluated on 127 criteria and received very negative marks.

   • They note a lack of customer reviews, limited external backlinks, and minimal presence on social media.

3. Corporate Legitimacy

   • On the corporate-registration side (Pappers, Société.com), the company is real: it is properly registered in Paris, with a legal address, and a declared activity.

   • According to Société.com, it is a “PME” (small-to-medium enterprise).

Risks / Red Flags

• Trust concerns: A low trust score on ScamAdviser is not trivial. It suggests that, at least according to automated checks, there might be a significant risk.

• New domain: Because the website was only registered in mid‑2024, there may be little operating history under that domain. That makes independent verification (e.g., customer reviews, track record) more difficult.

• Limited public feedback: The negative assessment on FranceVerif indicates a lack of visible, verifiable client reviews or testimonials.

• Regulatory clarity: While the company is legally registered, there’s less publicly available information (from trustworthy independent sources) about any regulatory authorization (e.g., whether it is regulated as an investment adviser, asset manager by the French financial regulators).

Conclusion & Recommendations

Equilibre Patrimoine (via equilibre‑patrimoine.com) presents itself as a fully‑fledged wealth‑management firm, capable of helping clients optimize their financial and real‑estate assets through a personalized, global, long-term strategy. On paper, the team seems experienced, and the firm’s legal structure is real.

However, there are significant trust and reputation issues that cannot be ignored. The site’s young age, combined with a very low trust score in third-party checks, suggests that prospective clients should proceed carefully.