{"id":2962,"date":"2024-03-05T15:08:50","date_gmt":"2024-03-05T14:08:50","guid":{"rendered":"https:\/\/aurexia.com\/insights\/?p=2962"},"modified":"2024-03-26T11:37:07","modified_gmt":"2024-03-26T10:37:07","slug":"le-marche-du-financement-de-linsurtech","status":"publish","type":"post","link":"https:\/\/aurexia.com\/insights\/le-marche-du-financement-de-linsurtech\/","title":{"rendered":"Le march\u00e9 du financement de l’Insurtech"},"content":{"rendered":"\n

Aurexia fait un bilan pour vous du march\u00e9 du financement de l\u2019Insurtech depuis son \u00e2ge d\u2019or jusqu\u2019\u00e0 aujourd\u2019hui et en d\u00e9crypte les grandes tendances.<\/p>\n\n\n\n

En effet, apr\u00e8s avoir assist\u00e9 \u00e0 un \u00ab Age d\u2019or \u00bb du Capital Risque au cours des ann\u00e9es 2010, propulsant en m\u00eame temps les insurtechs, la forte baisse du niveau des investissements ces deux derni\u00e8res ann\u00e9es \u00e0 contraint les jeunes entreprises \u00e0 s\u2019adapter et \u00e0 faire \u00e9voluer leur mod\u00e8le afin de trouver un positionnement toujours attrayant pour les investisseurs et surtout, d\u2019acc\u00e9l\u00e9rer leur qu\u00eate de rentabilit\u00e9.<\/p>\n\n\n\n

Enfin, Aurexia se projette dans l’avenir, esquissant les contours des pr\u00e9visions pour 2024. Les tendances attendues concernant l\u2019\u00e9volution des taux d\u2019int\u00e9r\u00eats et son impact sur la reprise des lev\u00e9es de fonds.<\/p>\n\n\n\n

\n
T\u00e9l\u00e9chargez un extrait de notre \u00e9tude<\/a><\/div>\n<\/div>\n\n\n\n

2010 \u00e0 2022 : l’\u00e2ge d’or du financement <\/strong><\/h2>\n\n\n\n

La tech propuls\u00e9e par le capital-risque<\/strong><\/p>\n\n\n\n

    \n
  • Fort d\u00e9veloppement du capital-risque entre 2008 et 2021 aliment\u00e9 par la recherche d\u2019un couple risque – potentiel de gain \u00e9lev\u00e9 de la tech ;<\/li>\n\n\n\n
  • L\u2019environnement de taux faible favorise la prise de risque ;<\/li>\n<\/ul>\n\n\n\n

    Une croissance d\u00e9pendante des investisseurs<\/strong><\/p>\n\n\n\n

      \n
    • Le nombre d\u2019acteurs de l\u2019Insurtech en France a suivi la m\u00eame dynamique et avoisine aujourd\u2019hui les 200 acteurs sur le march\u00e9. <\/li>\n\n\n\n
    • Cr\u00e9\u00e9e en 2014, la startup Alan a lev\u00e9 493 M d\u2019euros depuis sa cr\u00e9ation et se fixe 2025 pour atteindre la rentabilit\u00e9.<\/li>\n<\/ul>\n\n\n\n

      Conjonction de facteurs g\u00e9opolitiques et \u00e9conomiques en 2022 annonce le crash<\/strong><\/h2>\n\n\n\n
        \n
      • Guerre en Ukraine<\/strong> (F\u00e9vrier 2022 –  D\u00e9but du conflit)<\/li>\n\n\n\n
      • Inflation <\/strong>(pic \u00e0 11,5% en octobre 2022 dans l\u2019UE)<\/li>\n\n\n\n
      • Remont\u00e9e des taux<\/strong> (Cycle d\u00e9marr\u00e9 en juillet 2022)<\/li>\n\n\n\n
      • Crise de l\u2019investissement<\/strong> (crainte des investisseurs, secteur de la tech malade)<\/li>\n<\/ul>\n\n\n\n

        2023 : La bulle se d\u00e9gonfle brutalement avec une exigence de rentabilit\u00e9 plus marqu\u00e9e<\/strong><\/h2>\n\n\n\n
        \""Le<\/figure>\n\n\n\n

        Petit tour des \u00e9v\u00e8nements marquants et projections pour 2024<\/strong><\/h2>\n\n\n\n

        Une relance de l’\u00e9conomie attendue<\/strong><\/h4>\n\n\n\n

        L\u2019inflation ayant \u00e9t\u00e9 ramen\u00e9e \u00e0 un taux raisonnable en Europe (2,7% attendu pour 2024), la priorit\u00e9 va \u00eatre \u00e0 la relance de l\u2019\u00e9conomie. Il est notamment attendu de la BCE une baisse des taux <\/strong>d\u2019ici fin 2024. Ceci contribuera \u00e0 rendre le Capital risque plus attractif.<\/strong><\/p>\n\n\n\n

        Les exigences des investisseurs devraient perdurer dans les premiers mois.<\/strong><\/h4>\n\n\n\n

        Pour les startups qui ont eu leur derni\u00e8re lev\u00e9e de fonds en 2020 et 2021, 2024 pourrait voir la fin de leur cash runway.<\/strong><\/p>\n\n\n\n

        Celles qui ont su adapter leur mod\u00e8le ces deux derni\u00e8res ann\u00e9es en acc\u00e9l\u00e9rant leur course \u00e0 la rentabilit\u00e9 <\/strong>devraient, n\u00e9anmoins, r\u00e9ussir \u00e0 convaincre des investisseurs au cours de l\u2019ann\u00e9e 2024<\/strong>. Ces deux derni\u00e8res ann\u00e9es difficiles seront un argument de taille pour prouver la solidit\u00e9 de leur mod\u00e8le.<\/p>\n\n\n\n

        Zoom sur le cas particulier de Luko <\/strong><\/h4>\n\n\n\n

        Apr\u00e8s une lev\u00e9e de fonds rat\u00e9e en 2022 cens\u00e9e aider au rachat de la startup Unkle, Luko a \u00e9t\u00e9 plac\u00e9 en redressement judiciaire en 2023. Tout le bruit autour de cette affaire renfor\u00e7ant la crainte autour du secteur devrait prendre fin avec le rachat par Allianz Direct annonc\u00e9 en janvier 2024<\/p>\n\n\n\n

        <\/p>\n\n\n\n

        Contactez-nous pour un \u00e9change sur vos th\u00e9matiques du moment !<\/p>\n\n\n\n

        <\/p>\n","protected":false},"excerpt":{"rendered":"

        Aurexia fait un bilan pour vous du march\u00e9 du financement de l\u2019Insurtech depuis son \u00e2ge d\u2019or jusqu\u2019\u00e0 aujourd\u2019hui et en…<\/p>\n","protected":false},"author":1,"featured_media":2968,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[29],"tags":[290],"class_list":["post-2962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-insurtech"],"yoast_head":"\nLe march\u00e9 du financement de l'Insurtech - Aurexia Insights<\/title>\n<meta name=\"description\" content=\"Le march\u00e9 du financement de l'Insurtech en 2024, bilan et perspectives\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aurexia.com\/insights\/le-marche-du-financement-de-linsurtech\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le march\u00e9 du financement de l'Insurtech - 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