«Alexis, I know I’ve accumulated some assets, but if you asked me today what my actual net worth is after taxes and debts, I wouldn’t be able to tell you. I have savings accounts scattered everywhere, real estate investments whose net profitability I don’t know, and I don’t know if my current financial structure is helping or hindering my plans. Where do we even begin?»
Are you selling your business and worried about capital gains tax? Are you an expatriate navigating the complexities of international tax treaties? Or perhaps your real estate assets have become too much of a tax burden under the weight of the French wealth tax (IFI)?
THE asset assessment This is not a mere administrative formality. It is the primary act of protecting your capital. At Balmont Conseil, we don't just list figures; we analyze them. a body of evidence which makes your situation unique.
At the house of Balmont Conseil, We don't see your wealth assessment as a mere administrative formality. We treat it as a concrete optimization of your assets and high precision.
Assisted by ALTA, my Augmented Wealth Engineer, my mission is to take stock of your assets and taxation through an in-depth study.
What is a wealth assessment? Definition
The asset assessment is a comprehensive, valued and categorized inventory of everything you own (your assets) and everything you owe (your liabilities) at a specific moment.
Unlike a simple bank statement, it incorporates three inseparable dimensions:
- The economic dimension: What is the market value of your assets (real estate, financial, professional)?
- The legal dimension: How do you own these assets? (Personal name, SCI, holding company, division of ownership, community of acquired property, etc.).
- The fiscal dimension: What is the latent "charge" on these assets (property income tax, wealth tax, unrealized capital gains)?
The key differences between a balance sheet and a wealth audit
These two steps are often confused. However, in wealth engineering, they serve radically different functions. If the balance sheet is a snapshot, the audit is the scenario of your financial future.
Characteristic | Asset Assessment | Asset Audit |
Central question | ""What do I own?"" | ""Is this optimal for my projects?"" |
Approach | Quantitative (Numbers) | Qualitative (Strategy) |
Tax focus | Amount of taxes paid | Levers of'tax optimization |
Civil focus | Inventory of goods | Analysis of a body of evidence (marriage, inheritance) |
Balmont Tool | Data entry and consolidation | Simulation of scenarios via'AI Balmont |
Alexis Sagnier's opinion: ""The assessment is a necessary step, but the audit is the crucial step. An assessment without an audit is like having an MRI without anyone interpreting it: you have the image of your assets, but you don't know if a tax pathology is eating away at them.""
Warning: The "Free Assessment" Trap"
Warning: Many companies offer "free financial assessments" online. These are often simply data collection forms designed to sell you a standardized financial product (assurance-vie, real estate investment trust). A real scam comprehensive asset audit This requires a cross-analysis of your marital property regime, company statutes, and income streams. Only an expert can guarantee that the proposed arrangement will not be reclassified by the tax authorities in 2026.
Who is this engineering service intended for?
The audit is intended for anyone whose situation presents a certain complexity or requires arbitration:
- Business Leaders and Executives: For whom the professional assets and private life are often intertwined. The challenge here is to organize the protection of the spouse or to prepare for LBO/OBO strategies.
- Executives and Professionals: Concerned about'tax optimization and of the retirement preparation.
- Families and Investors: Wishing to organize a inheritance fluid or protect their loved ones via drafting of protection mandates or the will writing.
The Balmont Methodology: The Alliance of Humans and AI
Who should carry out your financial statement?
The comprehensive wealth audit leaves no stone unturned. It is the interaction between these four pillars that creates a resilient strategy.
How much does a wealth assessment cost?
At the house of Balmont Conseil, We are direct: the price of a wealth assessment depends strictly on the complexity of your structure (holding company, real estate abroad, blended family) and the expertise involved.
By 2026, the market will be divided into three distinct categories. Understanding what you're paying for is the first step towards a wealth management strategy healthy.
Attention : A complex financial statement often requires the coordinated intervention of your accountant or notary. The cost may then include these interprofessional services to guarantee a comprehensive asset audit unassailable.
The Free "Assessment" (The commission model)
Many retail banks or online platforms offer free balance sheets.
- The real cost: 0 €.
- The trap: This isn't advice, it's a sales pitch. The goal is to collect your data to sell you a product (in-house assurance-vie, partner SCPI).
- The risk: The lack of impartiality. The "advisor" is paid a commission on the product he sells you, and not on the relevance of the structure he proposes.
The Standard Balance Sheet (The flat-rate model)
Intended for traditional private assets (main residence + some financial investments).
- The average cost: Between €500 and €1,500 excluding VAT.
- The content: A detailed inventory, an analysis of your personal situation and some basic tax optimization strategies.
- For whom? Executives or professionals who want a clear overview before making an investment decision.
Multidisciplinary Expertise and Interprofessionalism
Wealth management is an ecosystem where law, finance, and taxation intertwine. Your advisor must act as a conductor.
The collaboration: He must be able to communicate on equal footing with your usual advisors (notary, accountant, tax lawyer). This interprofessional collaboration is crucial to ensure that your financial strategy is never disconnected from the legal and accounting realities of your household or business.
Alexis Sagnier's opinion
""If you find advice expensive, try ignorance.".
In 2026, a structuring error in a company sale or a poorly prepared inheritance could cost hundreds of thousands of euros in transfer taxes or restructuring costs.""
Why fees rather than commissions?
At the house of Balmont Conseil, We prioritize transparency in our fees. Why? Because it guarantees our personalized approach. When you pay for a financial statement, you are buying brain time and legal expertise, not an entry ticket to a financial product.
The Balmont Methodology: The 5 steps of your strategy
A thorough audit cannot be improvised. It follows a methodology rigorous:
Alexis Sagnier's opinion: ""The question is not whether you need a balance sheet, but whether you can afford the luxury of not knowing where you stand. By 2026, blindness will be the number one tax expenditure.""
Attention An assessment carried out more than two years ago is now obsolete. The 2025 tax reforms and new case law on tax avoidance have changed the landscape for inheritances and rental investments. Don't base your future decisions on yesterday's figures.
FAQ Your questions about the asset assessment
From observation to taking control of your financial destiny
THE asset assessment This is not an end in itself; it is the vital diagnosis that precedes intervention. In an economic world where taxation and the markets of 2026 no longer tolerate amateurism, remaining unclear about the true composition of your assets is a risk you can no longer afford.
Carrying out this inventory at Balmont Conseil, It means choosing not to be a passive recipient of events—whether an unexpected tax reform or a change in personal circumstances—but to anticipate them. Thanks to the alliance of the'AI Balmont and with high-level engineering expertise, we transform your numbers into a solid, agile and protective architecture for you and your loved ones.
Remember that assets that are not regularly monitored are assets that erode. The assessment is the cornerstone of your strategy for independence and succession. Once the initial assessment is complete, we can then move on to the next step.'asset audit : the stage where we activate the levers of growth and protection that will make the difference in the long term.
Secure your path today
Don't let a structuring error or a tax oversight jeopardize years of effort. A feasibility audit is the best investment you can make to validate the viability of your current organization.
Your assets deserve a tailored strategy.
Schedule an appointment for your personalized wealth audit with Alexis Sagnier.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
