DNA spots the successions already under way inside a portfolio: companies entering the Dutreil pact window, shares already split between bare ownership and usufruct, heirs identified but absent from the files. Succession is prepared years before a death or a gift: every situation detected is costed and tied to named individuals.
What the platform detects
Eligibility for the Dutreil pact
Companies inside the owner's age window with the required seniority, before the sale. The relief is prepared, never improvised.
Active split ownership
Bare owners and usufructuaries identified on the shares. The bare owner is the next generation: a client you do not have yet.
Latent inheritance
Situations where ownership has passed but the usufruct has not lapsed. The banking relationship is decided before the event.
What the banker gets
- Eligible companies, with the estimated transfer-tax relief
- People under active split ownership, and their exact role in the structure
- The family group mapped: who is a client, who is not
- The tax argument written out, ready to take to the client
Companies inside the Dutreil window, for an estimated €269m of transfer-tax relief.
Why timing decides everything
Attrition peaks at succession: more than one beneficiary in two changes institution at that moment. The relationship with the next generation is built before the event, not while the estate is being settled.
Frequently asked questions about succession
What is the Dutreil pact?
The Dutreil pact is a French tax scheme that cuts the taxable base by 75% when shares in an operating company are passed on, subject to a collective then individual holding commitment. It concerns owners who plan ahead: the commitment must be signed before the transfer, never after.
How do you spot split ownership in a portfolio?
By reading the ownership structure filed in public registries: when shares are held in bare ownership by one generation and in usufruct by the previous one, the transfer has already begun. DNA identifies these situations across every company in the portfolio and ties each bare owner to a named person.
Why focus on the bare owner rather than the parent?
Because the bare owner is the next generation, and will become full owner when the usufruct ends. That is a client the bank does not have yet, on wealth it already manages. The relationship is built before the event, not while the estate is being settled.
What is latent inheritance?
Latent inheritance describes a situation where ownership has already moved to the next generation while the usufruct has not lapsed. The event is predictable and dated, but has not happened yet. Tomorrow’s banking relationship is decided during that window, and it is decided once.
Last updated : 2026-08-25
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