Upload your contracts. We tell you what they cost, what they cover, and what deserves a closer look.
Assurance-vie, PER, capitalisation contracts, protection insurance, loan insurance, contracts taken out abroad. The app reads your statements, you confirm with a tap, and you receive an X-ray made of findings ranked by importance — followed by a version reviewed and signed by a financial investment adviser (CIF).
Fictitious dataEight questions a comparison tool doesn't ask.
A comparison tool shows a price. The X-ray reads your contracts — the ones you already have — and states what is observed and why it matters. Each finding is dated, sourced from the document you uploaded, and graded: important, to examine, to check, compliant.
What it really costs
Contract management fees, investment vehicle fees weighted by their share, entry fees. The annual total, in euros, on your outstanding balance.
Who it goes to
Beneficiary clause missing, or a standard clause that names no one and provides for nothing. On assurance-vie, PER and protection insurance.
What is duplicated
Two contracts of the same kind with the same provider. Two loan insurance policies on the same loan.
What your country changes
A French wrapper held from abroad: its treatment follows your country of residence, under the applicable tax treaty.
What's missing
Cover your situation calls for that no contract read provides: death, disability, a loan without insurance, a property without damage cover.
What weighs too much
Euro fund above 70%, a single fund above half of the contract, a single provider above 60% of savings.
What is out of date
A statement more than eighteen months old is no longer a snapshot. The finding says so; an updated version replaces it.
What is not yours
A holder on the document who is not a member of the household: the contract is assigned before it is analysed, never counted by mistake.
Three steps. Nothing to re-enter.
- 1You upload — PDFs or photos, as many as you like, now or later. No document type to choose: the app identifies each document and captures everything on it.
- 2You confirm — provider, type, amounts, fees, clause, statement date. Nothing is written to your file without your consent.
- 3You receive — the X-ray on screen, then the version reviewed and signed by an adviser, placed in "My documents". You are notified as soon as it is ready.
Fictitious dataA comparison tool shows you a price. The X-ray reads your contracts.
| Online comparison tool | Balmont X-ray | |
|---|---|---|
| Starting point | A product to take out | The contracts you already have |
| Fees | The advertised rate of a new contract | Your actual fees, contract and funds combined, in euros per year |
| Beneficiary clause | Not read | Read and classified: missing, standard, named |
| Country of residence | Ignored | Each French wrapper reviewed according to your country |
| Cover | Not examined | What is missing in light of your situation |
| Who answers | A form | An adviser who reviews, signs and delivers |
| What comes next | A new contract | An appointment, if you want one |
The firm's comparison tool remains freely available: three figures per contract, an instant result, no account or email address needed.
It observes. It does not decide for you.
Not advice on its own
Each finding states what is observed and why it matters. What should be done is decided at an appointment, with the adviser who signed.
Not a promise
No savings are advertised. When a difference in costs compared to a solution offered by the firm exists, it is displayed exactly as it is calculated — nothing more.
Not a black box
Eight written rules, a document behind every finding, a human review before anything is delivered. A rule without its data produces nothing.
What people ask us before uploading.
Is it really free?
Yes. Creating an account is free, so is the X-ray, and nothing commits you. Reviews and the Residence module, on the other hand, are purchased from the app, with their price shown before any commitment.
Which documents should I upload?
Annual statements for assurance-vie, PER and capitalisation contracts; specific terms of protection insurance policies; loan insurance contract; policies taken out abroad, in French or English. The more you upload, the more the X-ray sees.
Who reads my documents?
The app reads them and shows you what it has understood; you confirm. The adviser reviews the findings before signing the report. Your documents stay in your vault, encrypted, hosted in the European Union, and you can remove them at any time.
When will I receive the signed version?
You are notified, through the channel you have chosen, as soon as it is ready and placed in "My documents".
I live abroad: does the X-ray apply to me?
Especially. Each French wrapper is reviewed in light of your declared country of residence and the applicable tax treaty; contracts taken out abroad are read and added to your file.
What if I'm already a client?
The X-ray is open to you in the same way: it reviews your contracts, both those the firm already monitors and those it does not yet know.
Your contracts deserve a look. The first one is free.
Create your account, upload your statements, read your findings. The reviewed and signed version then awaits you in your vault.
Balmont Conseil — Multi Family Office · Lyon · ANACOFI member · Financial investment adviser (CIF)
