CAPZA acquires a minority stake in Sogexia, an independent FinTech committed to promoting financial inclusion for individuals and professionals.

Founded in 2011 by its current CEO Kilian Füg, Sogexia is a payment institution offering online payment accounts with French and Luxembourg IBANs to individuals and professionals. The company is authorized in Luxembourg and supervised by the CSSF; it also has a branch in Villeurbane authorized by the ACPR.

Sogexia was born from the observation that traditional banking offers exclude many economic actors. Focusing on accessibility, security, and quality of service, the institution offers a unique range of services for individuals and professionals: 100% online accounts, international debit cards, transfersand debit via French and Luxemburg IBAN, cash deposits, France-based customer service, and budgeting tools. The institution also has features adapted to audiences with specific needs, such as professionals and associations: grouped or SEPA B2B transfers, online social capital deposit with free certification in less than 24 hours, online factoring, and payment terminals available through integrated partnerships.

Sogexia’s business model is based on usage-based pricing, without subscription or overdraft, thus without hidden fees or overdraft charges for better budget control. By facilitating access to a payment account for all, without minimum resource conditions, the institution perfectly meets the needs of individuals with moderate incomes or in financially vulnerable situations (B2C) and small businesses and artisans (B2B) whose banking possibilities are often limited.

Over the past three years, the Group has experienced an average annual growth in revenue of over 40% and demonstrated its profitability, reflecting its ability to address market segments underserved by traditional banks and neobanks, and presenting strong growth potential.

With CAPZA’s support, Sogexia aims to continue its development by intensifying its technological innovation, in order to expand its offering by adding new features.

“Sogexia has established itself as a key player in the online banking market in France and Luxembourg, and we are delighted to support Kilian Füg and his teams in this new growth phase. We were impressed by the Group’s proprietary tech platform and its business model, which sharply contrasts with the traditional subscription model of other banking institutions. Thanks to its unique approach, Sogexia has acquired a dynamic and loyal customer base within deep market segments with strong growth potential.” – Jean-Luc Cyrot, Partner of CAPZA Growth Tech.

“We are proud to be a reliable alternative for people with modest incomes, financially vulnerable individuals, as well as for companies seeking a simple, transparent, and high-quality payment account. It is a great satisfaction to develop a service that supports thousands of clients, both individuals and professionals, every day. We would like to thank CAPZA for their trust and are excited about introducing more innovations to improve the daily lives of our customers.” –  Kilian Füg, Founder and CEO of Sogexia.

CAPZA’s investment is made through its Growth Tech strategy, which targets high-growth and profitable European digital and technology SMEs, and thus completes its 7th operation.