Malakoff Humanis announced yesterday a majority equity to the capital of my small placement, an investment platform for individuals. This operation marks a strategic turning point for the Fintech of Lyon, founded in 2017 by Thomas Perret, who had so far favored independence and growth carried by innovation.
This acquisition comes in a context of progressive rapprochement. In October 2023, Mutualist France, an institutional actor of savings, entered the capital of the startup. Since then, the two entities had initiated a commercial collaboration, my small placement distributing life insurance and PER contracts of mutualist France. These two products represented more than 50 % of the collection recorded by the startup in 2024. In April 2024, Malakoff Humanis had formalized its rapprochement with mutualist France, thus starting industrial convergence.
In a press release, Isabelle Le Bot, director in charge of savings of the Malakoff Humanis group and director general of Mutualist France, specifies the objectives of this operation: “It strengthens the commercial synergies already at work between our entities. Together, we want to allow a wider audience – especially the youngest – to access simple savings products conciliatory performance and responsibility, in a resolutely educational approach. »»
My small placement, whose commercial offer was launched in 2020, today claims more than 200,000 users and 175 million euros in outstanding outstanding. The platform is primarily intended for a young clientele, with an average age of 35 years. She claims that 60 % of its users made their first investment via its services, which confirms the relevance of its positioning on the first-country segment. In addition to a simplified user route, the promise is based on long -term educational support.
The year 2023 had been marked by a fundraising of 6.5 million euros from Mutualist France. In May 2024, the company had mobilized its community to raise 4.2 million euros from 2,600 private investors via Sowefund. “This operation rewards the 2,500 shareholders who joined us via a community lifting just under a year ago, to whom we offer today a“ exit ”with profit,” said Thomas Perret, president of my little placement.
On the financial level, the startup experienced strong growth in its income, going from 104,000 euros in turnover in 2020 to 1.06 million euros in 2023. However, this rise in power was accompanied by significant losses, with a net profit of -3.26 million euros in 2023, after -3.45 million in 2022.
The entry of Malakoff Humanis into the capital allows the startup to secure its trajectory. The management team remains in charge, with the mission of continuing development while relying on the means of an institutional actor. Thomas Perret claims that this rapprochement “validates the particular positioning of my small placement: democratizing financial investment with the French primary investors and often neophytes. It also allows us to strengthen the ambition of the project in order to make sure to become the reference in terms of investment for individuals. »»
