Data.gouv and Pappers MCP: wealth monitoring and client intelligence
This playbook is designed for wealth advisors, private bankers, and wealth managers. It explains how to connect Claude to SIRENE through Data.gouv MCP, then combine it with Pappers to build continuous monitoring on your clients and their ecosystem.
Wealth-related events are already public. The advantage comes from a system that detects them early, enriches them, and triggers the right action.
What this system produces
Between two meetings, your clients' situations evolve. A holding company is created, a sale is published, capital is restructured, or dividends accumulate without clear structuring.
These events are public, free, and available in real time. Yet they are rarely used in a systematic way for wealth monitoring.
With Data.gouv and Pappers MCP, you detect key signals, enrich them with relevant financial context, and know exactly who to call, why, and when, in less than 15 minutes per week.
The two tools to connect
Data.gouv MCP
Official MCP server from the French administration. Direct access to SIRENE and BODACC, no API key required, free of charge, with up-to-date data.
Pappers MCP
Access to financial filings, directors, beneficial ownership, and accounts to enrich each signal with actionable wealth context.
Setup steps in Claude
- Data.gouv prerequisite: a Claude Pro account and web browser. Custom connectors are not available in the desktop application.
- Add Data.gouv through Settings, Integrations, Add custom connector. URL: https://mcp.data.gouv.fr/api/mcp. No API key is required.
- Add Pappers with your API key: https://mcp.pappers.fr/YOUR_API_KEY.
- Data.gouv verification test: “Via Data.gouv, give me the 5 latest companies created in France in the medical sector.”
Data.gouv connector
Nom: Data.gouv URL: https://mcp.data.gouv.fr/api/mcp Clé API: aucune
Pappers connector
Nom: Pappers URL: https://mcp.pappers.fr/VOTRE_CLE_API Clé API: clé personnelle Pappers
In your prompts, include “via Data.gouv” or “via Pappers” to force real-time queries on the live data sources.
The five wealth monitoring signals
1. Holding company creation
A newly created holding often signals a structural move: sale, succession planning, or ownership reorganization. It is an immediate entry point to deepen the relationship.
Via Data.gouv, identify holding companies created in the last 60 days linked to the following executives: [list of names or SIRENs from your existing clients and tracked prospects]. Criteria: SAS or SARL legal form, NAF code 6420Z or 6430Z, share capital above EUR 50,000. Via Pappers, for each identified holding: (1) Confirm the link to the relevant executive. (2) List other companies owned by the same executive and their revenue. (3) Identify the likely wealth signal: ongoing sale, succession, or restructuring. (4) Recommend priority topics for the next meeting: OBO, contribution-sale scheme, Dutreil pact, holding IS structuring.
2. Sale published in BODACC
When a sale is published, the post-sale wealth window is short. You can intervene immediately with a concrete action plan.
Via Data.gouv, query BODACC and identify all transfers of business assets and share sales published in the last 14 days for the following companies or executives: [list of names, SIRENs, or tracked client companies]. Via Pappers, for each identified sale: (1) Revenue of the sold company on the latest available financial year. (2) Estimate gross sale proceeds based on a standard sector multiple. (3) Calculate the remaining window within the 90-day post-sale period. (4) Immediate priority wealth topics: contribution-sale scheme, post-sale capital allocation, Luxembourg life insurance, retroactive Dutreil reinvestment where applicable.
3. Capital or ownership structure change
A capital change often signals a concrete wealth event: dilution, new investor entry, shareholder exit, or governance change.
Via Data.gouv, identify all BODACC publications and trade registry changes in the last 30 days for the following companies: [list]. Filter on: capital changes, management changes, new shareholders, significant statutory updates. Via Pappers, for each identified change: (1) Exact nature of the change. (2) Estimated impact on the client's equity value. (3) Immediate wealth implications. (4) Questions to raise in the next meeting.
4. High dividends without structuring
High recurring dividends often reveal personal capital accumulation that has not yet been structured.
Via Pappers, analyze the latest annual accounts filed by the following companies: [list of client SIRENs]. For each company, identify: (1) Dividends distributed on the latest available financial year. (2) Dividend trend across the last 3 financial years. (3) Estimated personal wealth generated by these cumulative dividends over 5 years. (4) Likely priority wealth topics not yet covered: PER, life insurance, capitalization contract, property company structuring, executive compensation optimization. Via Data.gouv, verify that no insolvency procedure is currently open for these companies.
5. Executive aged 55+ approaching transmission
As transmission approaches, needs converge: retirement planning, governance, family protection, and tax optimization. The decision window is short.
Via Pappers, analyze the current situation of the following executives born before 1970: [list of relevant clients]. For each executive: (1) Financial trend of the company over the last 3 financial years. (2) Estimated company value using the relevant sector multiple. (3) Current ownership structure: existing holding, split ownership, other shareholders. (4) Signals suggesting active transmission planning: recent holding creation, statutory changes, new mandates. (5) Priority transmission paths to assess: Dutreil, OBO, progressive transfer, donation before sale. Via Data.gouv, verify absence of insolvency proceedings and confirm company incorporation date.
6. Individual brief before each triggered call
As soon as a signal is detected, prepare a full brief before the call to calibrate angle, urgency, and priority topics.
Via Pappers, prepare my full briefing on [executive name] from [company name / SIREN]. I am a wealth advisor. An event has just been detected on this client: [describe the signal]. Provide: (1) Company financial situation over 3 years: revenue, net income, equity, and trend. (2) Current ownership structure and recent changes. (3) Other mandates and identifiable entities. (4) BODACC events over the last 12 months. (5) Three priority wealth topics to open during the meeting, aligned with the detected signal. (6) Recommended tone for the call: regulatory urgency, optimization opportunity, or risk anticipation.
Weekly routine: 15 minutes to miss nothing
| Day | Action | Duration |
|---|---|---|
| Monday morning | Signals 1 and 2: newly created holdings and BODACC sales | 5 min |
| First Monday of the month | Signals 3, 4, and 5: structural changes, dividends, executives aged 55+ | 10 min |
| On trigger | Deep individual briefing on each detected signal | 4 min per file |
Why this is a durable structural advantage
The value of a premium wealth advisor is not measured by the number of acquired clients. It is measured by the ability to intervene exactly when the client's situation changes.
Data.gouv and Pappers make visible events that remained underused due to missing workflow. The data is public; the advantage comes from disciplined monitoring.
The advisor who applies this routine no longer receives information too late. They anticipate, trigger the right conversations, and turn their relationship base into a continuously monitored strategic asset.
To get started
- Connect Data.gouv to Claude for free in two minutes.
- Connect Pappers using the two-week free trial.
- Start with signal 2 on the 10 most exposed clients in your portfolio.
- In five minutes, you will know whether a major event occurred since the last meeting.