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01. MAIN DOCUMENTAxeria Life Insurance CompanyAPRIL GROUP, through its subsidiary APRILMediterranean, created the Malta-based Axeria LifeInternational Protected Cell Company in November 2008,specialized in personal insurance.1.3.4.1/3 :: In 2007AMT AssurancesAPRIL GROUP DOMMAGES PARTICULIERS (RetailProperty and Casualty) acquired a 75% stake in AMTAssurances, a wholesale broker specialized in designing,managing and distributing motorcycle insurancepolicies.Axeria VieAXERIA Vie (Life and Savings) was accredited by theFrench Insurance regulator (Comité des Entreprisesd’Assurance) on January 17 th , 2007. This company, fullyownedby APRIL GROUP VIE ÉPARGNE, accompaniesAPRIL GROUP’s development of its life insuranceactivities.ISR COURTAGEISR Courtage, a dedicated brokerage structure fordistributing socially responsible investments online,began trading in 2007.Febs (now APRIL Financial Services AG)APRIL GROUP PRÉVOYANCE INDIVIDUELLE (IndividualPersonal Protection) bought out the 10% stake held byminority shareholders in APRIL Financial Services AG onFebruary 19 th , 2007, taking its interest in this company’scapital up to 84%.APRIL GermanyAPRIL GROUP PRÉVOYANCE INDIVIDUELLE (IndividualPersonal Protection) bought out the 20% stake held byminority shareholders in APRIL Germany on May 16 th ,2007, taking its interest in this company’s capital up to100%.APRIL North AmericaAPRIL GROUP, through its specially created subsidiaryAPRIL NORTH AMERICA, acquired the Canadianbrokerage firms Dave Rochon Assurances Inc., on June8 th , 2007, and ESCAPADE Assurances Voyages, on June11 th , 2007. ESCAPADE Assurances Voyages, based inSainte Croix, is specialized in travel insurance productsfor retail customers. Dave Rochon Assurances Inc.,based in Montreal, is a wholesale broker specialized inheightened risks on retail and corporate property andcasualty insurance.ASSURDOM GestionAPRIL GROUP PREVOYANCE INDIVIDUELLE (nowAPRIL GROUP PREVOYANCE SANTE) acquired a 38.2%stake in the Reunion-based ASSURDOM Gestion on June22 nd , 2007. ASSURDOM Gestion is a wholesale brokerspecializing in property and casualty risks, primarily forretail customersAssincoAPRIL GROUP CORPORATE acquired an 80% stake inAssinco on November 7 th , 2007. Assinco is an insurancebrokerage firm, operating directly or through its 16subsidiaries, on personal insurance, property and casualtyinsurance for goods and credit insurance, for businessesand individuals on mainland France and in French overseasdepartments and territories.APRIL CoverAPRIL Cover, set up in 2006, began trading in 2007. Thiscompany provides small and medium-sized businesseswith access to the entire range of tools required formanaging their customer positions in order to prevent andmanage non-payment risks: prevention, compensation,collection management, optimization of financing.SolidarisSince 2007, Solidaris, previously APRIL Partenariats, hasbeen developing non-discriminating insurance solutionsand services for legal protection, supplementary healthand loan insurance for the homosexual community.APRIL RéunionAPRIL Réunion, previously APRIL Distribution, begantrading in 2007 on Reunion. The company is focusedprimarily on individual personal protection and health.APRIL CEE DevelopmentIn 2007, APRIL GROUP created APRIL CEE Development,a Budapest-based brokerage company, in order todevelop its business in Hungary.APRIL Mediterranean Ltd et Axeria Re LtdThrough its subsidiary APRIL Mediterranean Ltd (regionalholding company), APRIL GROUP created Axeria Re Ltdon December 28 th , 2007. Axeria Re Ltd is a reinsurancecompany based in Malta.INFORMATIONON THE COMPANY’S ACTIVITIESPART0130
01. MAIN DOCUMENTAPRIL SantéIn 2007, APRIL GROUP launched the business for APRILSanté, with a network of points of sale and spaces foradvice on family health insurance.APRIL Corporate BrokingPreviously APRIL International, APRIL Corporate Brokinglaunched its activity to design, integrate and manageP&C insurance solutions for businesses, offered througha network of brokers and insurance agents.1.3.4.1/4 :: In 2006Assurance Juridique (now Mutant Assurances)On February 16 th , 2006, APRIL GROUP acquired a further25% stake in Assurance Juridique, giving it full ownershipof this company.Dierrevi SPAOn May 11 th , 2006, APRIL DEVELOPPEMENT (now APRILGROUP DOMMAGES PARTICULIERS) acquired an 80%stake in Dierrevi SPA, a brokerage company specializingin the design and marketing of vehicle fleet insurancepolicies in Italy.APRIL IberiaAPRIL Iberia, set up on May 31 st , 2006, launched itsbusiness to design, manage and provide sales supportfor insurance programs for independent advisers andinsurers in Spain at the end of December 2006.Doudet CharletOn June 27 th , 2006, APRIL DEVELOPPEMENT (nowAPRIL GROUP DOMMAGES PARTICULIERS) acquireda 100% stake in Doudet Charlet, a brokerage companyoperating primarily on industrial risks (property andcasualty and civil liability).AVSOn July 3 rd , 2006, APRIL CORPORATE (now APRILGROUP CORPORATE) acquired a 100% stake in AVS,a brokerage company operating primarily on industrialrisks (property and casualty and civil liability).Moral CaraïbesOn July 20 th , 2006, APRIL Courtage (now APRIL GROUPPREVOYANCE SANTE) acquired a 59.4% stake in MoralCaraïbes, a wholesale broker specializing in the design,management and distribution of individual property andcasualty insurance policies. This company owns 100%of AMC.Solucia Protection JuridiqueSolucia Protection Juridique was accredited by theFrench Insurance regulator (Comité des Entreprisesd’Assurance) on October 20 th , 2006. This companydesigns and manages legal protection policies.EuropassurOn November 30 th , 2006, APRIL CORPORATE (now APRILGROUP CORPORATE) acquired a further 25% stake inEuropassur, giving it full ownership of this company.1.3.4.1/5 :: In 2005SFGSFG’s remaining capital was acquired on January 1 st ,2005.CGCA / GI2AOn January 7 th , 2005, APRIL Assurances acquired100% of the capital of CGCA and GI2A, two companiesspecialized in the design and management of nicheproducts for personal property and casualty insurance.CGCA also has a 100% interest in ACI.Assurance Juridique (now Mutant Assurances)In March 2005, APRIL GROUP acquired a 75% stake inthe capital of Assurance Juridique and its 13 subsidiaries.This insurance company designs, manages and marketslegal protection and property and casualty insuranceproducts.FRANCE PLAISANCE ASSURANCE(now APRIL Marine)On April 22 nd , 2005, APRIL DEVELOPPEMENT (nowAPRIL GROUP DOMMAGES PARTICULIERS) acquireda 75% interest in FRANCE PLAISANCE ASSURANCE.This brokerage company specializes in designing andmanaging comprehensive insurance policies for pleasurecruisers.AssurtisAPRIL DEVELOPPEMENT (now APRIL GROUPDOMMAGES PARTICULIERS) and Laser, through itssubsidiary Mediatis, specialized in direct credit sales,joined forces to create Assurtis on June 1 st , 2005. Thiscompany is 55%-owned by APRIL GROUP DOMMAGESINFORMATIONON THE COMPANY’S ACTIVITIESPART0131
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Page 8 and 9: 01. MAIN DOCUMENT1.2.1.7 :: Fiscal
Page 10 and 11: 01. MAIN DOCUMENTMeetings are held
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Page 16 and 17: 01. MAIN DOCUMENT% of voting rights
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Page 20 and 21: 01. MAIN DOCUMENTDate Events 1988/2
Page 22 and 23: 01. MAIN DOCUMENTDate Events 1988/2
Page 24 and 25: 01. MAIN DOCUMENTThe companies and
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Page 28 and 29: 01. MAIN DOCUMENT1.3.4.1 :: Descrip
Page 32 and 33: 01. MAIN DOCUMENTPARTICULIERS and 4
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Page 36 and 37: 01. MAIN DOCUMENTIn thousand euros
Page 38 and 39: 01. MAIN DOCUMENTThe following tabl
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Page 56 and 57: 01. MAIN DOCUMENTJean- Yves NOUYCur
Page 58 and 59: 01. MAIN DOCUMENT1.5.2 :: Executive
Page 60 and 61: 01. MAIN DOCUMENTPLAN N° 9 PLAN N
Page 62 and 63: 01. MAIN DOCUMENTthe conditions and
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02. MANAGEMENT REPORTsatisfactory c
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02. MANAGEMENT REPORTCHAPTER 2.4STA
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03CONSOLIDATED FINANCIALSTATEMENTS
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03. CONSOLIDATED FINANCIAL STATEMEN
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05APPENDIX
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05. APPENDIXDate Subject MediaOct 9
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05. APPENDIXDate Subject MediaMay 6
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05. APPENDIXObjectives:- Coordinati
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05. APPENDIXINFORMATIONREFERENCE DO
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05. APPENDIXINFORMATIONREFERENCE DO
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