CLIENT JOURNEYS
Real JOURNEYS. PROTECTED legacies.
Because every project is unique, AntCo by Côme supports its clients at every stage — from financial strategic planning to day-to-day management — with the same rigour, independence, and discretion.
Richard & Susan
A seamless move to the FRENCH RIVIERA
BACKGROUND
Richard, a leading entrepreneur, and Susan, who oversees their family office in the United States, set their sights on acquiring a luxury villa on the French Riviera. For them, it was never merely about the sunshine — it was about investing in a lifestyle and a legacy. However, the intricacies of French property law, cross-border structuring, and international tax compliance presented a landscape they preferred not to navigate alone.
ANTCO BY CÔME’S SOLUTION
From the very first conversation, AntCo by Côme assembled a multidisciplinary team to craft a bespoke acquisition strategy: establishing the optimal holding structure, maximising cross-border tax efficiency, and securing leading legal expertise.
Leveraging the AntCo ecosystem, the structuring, banking negotiations, and notarial coordination were managed as a seamless process, shielding Richard and Susan from the typical pitfalls encountered by international investors.
As authorised finance brokers, we negotiated competitive mortgage offers from private banks accustomed to complex, cross-border profiles, always with full regard for the family’s global asset structure.
Post-acquisition, AntCo by Côme took on the day-to-day administrative management of the property — from setting up utility contracts, to corporate accounting and French tax filings, right through to payroll for the household staff.
Our role extended far beyond the transaction: we provided long-term guidance on inheritance planning and international tax exposure, drawing on our global expert network to secure and optimise the family’s future.
OUTCOME
Today, Richard and Susan enjoy their new life under the Mediterranean sun, safe in the knowledge that every legal, tax, and administrative detail is expertly managed. Their project is now a fully protected family asset, underpinned by the hallmark rigour and discretion of AntCo by Côme.
Paul & Olivier
Strategic CROSS-BORDER INVESTMENT on the CÔTE D’AZUR
BACKGROUND
Paul, a semi-retired British financier, and his son Oliver, a hospitality entrepreneur, saw an opportunity near Saint-Tropez: to acquire and transform a villa into a high-end seasonal rental. Their vision was to create both a lifestyle asset and a sustainable investment — but navigating Anglo-French taxation and structuring was a clear challenge.
ANTCO BY CÔME’S SOLUTION
Our team designed a fully tailored roadmap: selecting the most effective acquisition vehicle to benefit from the para-hôtellerie regime, thereby allowing the deduction of operational costs and depreciation, and securing favourable tax treatment on rental income.
We coordinated with specialist UK–France tax advisors, drafted bespoke shareholder agreements reflecting the family’s long-term objectives, and managed every aspect of the acquisition process — notarial due diligence, banking, and structuring.
Through our established relationships with private banks, we arranged an “interest-only” mortgage, unlocking liquidity for the renovation work essential to repositioning the villa at the luxury end of the market. Our advisory extended to insurance, ensuring all risks were covered in line with the unique requirements of high-end hospitality.
Once the acquisition was complete, AntCo by Côme provided full administrative and regulatory oversight: setting up local contracts, managing payroll for household staff, and ensuring all reporting and tax filings were optimised well in advance.
OUTCOME
Today, the Saint-Tropez villa is a flourishing, elegantly renovated seasonal business and a fully compliant family asset — seamlessly managed and aligned with Paul and Oliver’s long-term financial ambitions. With AntCo by Côme as their trusted partner, a complex cross-border challenge has become a legacy investment.
Gunnar
From TAX UNCERTAINTY to PEACE OF MIND
BACKGROUND
Gunnar, a Swedish entrepreneur splitting his time between Stockholm and the Riviera, had for years handled his own French real estate tax filings, relying on personal estimates. When the French tax authorities launched a six-year audit, inconsistencies in his valuations quickly became an issue.
ANTCO BY CÔME’S SOLUTION
Faced with a potentially costly dispute, Gunnar turned to AntCo by Côme. Our tax team undertook a forensic review of his past declarations, identified weaknesses, and set about restoring a defensible tax position.
To establish a robust and recognised valuation, we engaged our in-house property valuation division, AntCo Valuation (CNE, RICS, EVS certified), to produce a comprehensive, standards-compliant report.
This independent valuation became the key reference for negotiations with the authorities, providing objective evidence and enabling the matter to be resolved swiftly and efficiently.
Thanks to AntCo by Come’s integrated approach — combining tax expertise and accredited property valuation — Gunnar regularised his situation without litigation or penalty.
Reassured by our precision and transparency, Gunnar has since entrusted all aspects of his French tax compliance to AntCo by Côme, confident that future filings are robust and fully defendable.
OUTCOME
Gunnar is now free to enjoy his lifestyle between Sweden and the French Riviera, knowing that every fiscal and property matter is managed with precision and integrity — where real estate is more than an asset; it is a source of lasting value and security.
Confidentiality Notice
The stories featured above are based on real cases supported by AntCo by Côme.
However, certain details — including names, locations, and contextual elements — have been modified to ensure the utmost confidentiality and discretion for our clients.