Gayrimenkul Fénols : 3 satılık gayrimenkuller

Gayrimenkul alımı - [NEW CONTEMPORARY HOUSE WITH PANORAMIC VIEW] A privileged setting, contemporary architecture and a view you never tire of. Only 15 minutes from Albi and 9 minutes from Lagrave, this single-storey contemporary house, completed in 2025, offers a particularly pleasant living environment, quiet and in the heart of the Tarn countryside. Located on a 1,779 m² plot, it develops about 128 m² of living space and is appealing for its volumes, brightness and decidedly modern design. The living area, open to a fitted and equipped kitchen, naturally opens onto a 50 m² terrace, part of which is covered, with a panoramic view over the countryside. The sleeping area offers three bedrooms, a bathroom with a bathtub and a large shower, as well as a laundry room. For comfort, the house benefits from highly desirable features: underfloor heating, air conditioning, double-glazed aluminium joinery and excellent energy performance with an A-rated DPE. Outside, the plottable land leaves plenty of potential for development. A garage and several parking spaces complete the property. An additional potential of about 30 m², already anticipated in part of the garage, also allows easy creation of an extra space according to your needs. A recent, elegant, move-in-ready home designed to fully enjoy the comfort of contemporary living, space and a preserved environment. A property to discover to appreciate the full quality of its location and its facilities.

Gayrimenkul alımı - Just 15 minutes from Albi and 20 minutes from Gaillac, in the heart of a peaceful and unspoiled setting, this magnificent character estate welcomes you. From the moment you enter, a majestic cypress-lined driveway underscores the charm and elegance of the property, leading to an authentic stone building dating back to the 1900s, designed to seamlessly blend period charm with modern comfort. The property offers generous living spaces and an ideal layout. The ground floor features a kitchen with a glass roof opening onto a welcoming living room, an elegant dining room, and a functional pantry. A second, more intimate living room completes this space, along with a superb suite comprising a bedroom, shower room, and dressing room. Upstairs, a spacious landing leads to five independent suites, each with its own shower room and toilet, providing the perfect setting for a charming bed and breakfast or for hosting family and guests in complete privacy. Outside, the estate extends with high-quality amenities: a covered terrace with its authentic bread oven, a 74 sq m barn, two workshops, and two horse stalls. The meticulously maintained 2-hectare grounds feature three secure wells and numerous fruit trees. You will also enjoy an elegant 8x4 m chlorine swimming pool (liner replaced in 2021), complete with an outdoor shower, ideal for sunny days. For comfort, the property boasts high-performance equipment: geothermal underfloor heating on the ground floor, reversible air conditioning in all bedrooms, a thermodynamic water heater with a backup storage tank, an alarm system, fiber optic internet with repeaters in each bedroom, double glazing, and ample parking within the property. A rare alchemy where simplicity and serenity meet excellence, for a life imbued with tranquility. The fees are to be paid by the seller. Les informations sur les risques auxquels ce bien est exposé sont disponibles sur le site Géorisques : georisques. gouv. fr. ENGLISH SPEAKERS: please note that Capifrance has an international department that can help with translations. To see our range of 20,000 properties for sale in France, please visit our Capifrance website directly. We look forward to finding your dream home!

Gayrimenkul alımı - TARN - NEAR ALBI The history of this property, located 10kms from Albi and its Unesco World Heritage Episcopal city, dates back to the end of the 16th century. Superbly maintained, it has been transformed and modernized by successive owners. Today, the property comprises a beautiful stone mansion flanked by two towers, with two apartments. The largest, approx. 230 m², is located on the second floor and in the east tower. The second, a single-storey apartment with independent access, covers approx. 110 m² on the garden level. Finally, a former dovecote of approx. 30m², fitted out with a kitchenette, a sleeping area and a shower room with toilet, stands in the middle of the landscaped garden. This former stronghold house, main residence of the current owners, has retained traces of the past and of its illustrious owners, lords of the community. The main building is revealed through the entrance gate and boxwood driveway. The main door, decorated with pilasters, arrow slits and the remains of machicolations, bears witness to the original fortified house, and opens onto a magnificent stone spiral staircase leading to the upper floors. The interior layout of the 230m² main apartment, with its fireplaces, high ceilings and magnificent vaulted cellar in the basement, is another visible reminder of the property's prestigious past. All wooden windows are double-glazed, adding to the comfort of the property. It comprises four bedrooms, including a master suite, a magnificent study, a circular kitchen, a living room and a sitting room with fireplaces. The 110m² garden-level apartment, renovated in a more contemporary style, has two bedrooms, two shower rooms, a living room with fireplace and a kitchen. Both apartments are heated independently by an Austrian-built pellet-fired boiler. The property also features a vast 60m² garage, a wine cellar, a workshop and a sauna with checkroom next to the vaulted cellar. The 8400m² grounds, enclosed by an automatic remote-controlled gate, are planted with trees and landscaped over 2000m², with integrated watering. The orchard, with around thirty fruit trees, can be watered by the property's two wells. The swimming pool area, with a 12 x 6 pool and pool house with summer kitchen, bread oven and checkroom, is judiciously positioned to the south to benefit from the sunshine, and is not overlooked. A magnificent property, remarkable for its architecture, impeccable features and high standing. For more information or to visit this property, please contact Axelle de Lahondès: +33 (0). Energy class : D Climate class : A Estimated annual energy costs for standard use: between 1730 euros and 2370 euros per year. Prices indexed to.

Gayrimenkul alımı - Property of exceptional quality at the gates of Albi Charm, comfort and profitability meet! Less than 10 minutes from Albi Cathedral, discover this unique property that blends authenticity, modernity and attractive rental income. Nestled in a lush and peaceful setting, it offers a panoramic view of the Albigian countryside and sits on nearly 3000 m² of land, with a possibility of subdivision according to your plans. The main house (143 m²) Fully renovated, it charms with its living area featuring a 68 m² cathedral ceiling, sunlit, with a wood stove and a convivial dining area. The equipped kitchen, extended by a utility room, opens onto the terrace. Sleeping areas: a master suite on the ground floor with dressing room and shower room, as well as two additional bedrooms upstairs. Three independent rustic-chic cottages Ideal for a tourist activity or to host family and friends: A first rustic cottage of 81 m² with a living area featuring a wood stove, two bedrooms, a mezzanine bed, a shower room and WC, A second cottage of 77 m² with a large living area and an open-plan kitchen of 35 m², two bedrooms, bathroom and WC. (Possibility to connect the cottage and the main house) A third cottage in a separate building of 73 m² with living area, separate kitchen and two master suites with private shower rooms. This latter cottage, due to its layout, is fully suitable for a bed and breakfast activity. An additional wooden chalet completes the ensemble, offering expanded hosting potential. The cottages generate rental income of approximately €40,000/year, ensuring solid and sustainable profitability. Wellness area and outbuildings A secure 12x6 pool, with an unbeatable view of nature. SPA, changing room, shower and toilets for your relaxation moments. Workshop, garage, cellar and technical rooms: practical outbuildings for absolute comfort. Comfort and energy performance Air/water heat pump + reversible air conditioning. Solar panels generating €4,000/year in income. Double-glazed joinery (ALU/ PVC). Sanitation compliant with micro-treatment. Key advantages - Prime location, just a stone's throw from Albi and all amenities. - Immediate and scalable rental income. - No renovation to plan. - Quiet, no-opposing neighbors, ideal for a lifestyle or investment project. A rare property where charm, comfort and profitability harmoniously unite. Let yourself be seduced by this peaceful haven ready to live in and to profit from. Contact us today for a viewing and let the magic operate! Agency fees borne by the seller. Energy class C, climate class A. Estimated average annual energy expenditures for standard usage, based on 2021 energy prices: between €1,120 and €1,570.

Gayrimenkul alımı - Albi, near Gambetta Avenue, flat plot of land 357 m². Water meter on the plot and connected to the sewer system. Zone UM4

Gayrimenkul alımı - Located in the commune of Brens, in a quiet area with quick access to the motorway, this single-storey villa of approximately 130 m² sits on a fenced and shaded plot of over 2,200 m² with a pool. The main house features a spacious living area of around 50 m² open to a large fitted kitchen. This ensemble benefits from direct access to a terrace of about 37 m², fully south-facing and oriented toward the pool and garden. The sleeping area includes three bedrooms, including a master suite with dressing room and direct access to the shower room. A separate toilet with hand basin and a laundry room complete the living space. An approximately 23 m² T2 apartment completes the property. It includes a living area with a fitted and equipped kitchen, one bedroom and a shower room with a toilet. This space is perfect for welcoming relatives, offering independent accommodation for a dependent person who wants to maintain autonomy, or considering a short-term rental project. Outside, the fully fenced and wooded plot features a garden shed, a well supplying an automatic irrigation system, and a saltwater pool with two pool houses: one for the technical room and the other for storage. The villa is equipped with reversible air conditioning, windows with electric roller shutters, and solar panels under a power resale contract, generating an average annual income of approximately €1,700.

Gayrimenkul alımı - Discover this single-story house of about 105 m² located in Lescure-d'Albigeois, ideal for a family. It offers a large bright living room with an open kitchen, equipped with PVC double-glazed windows and large sliding glass doors for ample light. The underfloor heating or cooling ensures your comfort in all seasons. The house has 4 spacious bedrooms, integrated into a functional 5-room layout in total. Features include a double-flow ventilation system, electric roller shutters, a garage and a carport to shelter your vehicle. The whole property is perfectly insulated for optimal comfort and controlled energy consumption. The rear garden is fully fenced and offers a large secure outdoor space, perfect for enjoying sunny days with family or friends. This rare property in Lescure-d'Albigeois combines modernity, practicality and charm, for a peaceful life close to Albi, shops and amenities. Viewing is highly recommended!

Gayrimenkul alımı - A proximité de commerces, supermarché, écoles, collège, cette maison d'environ 100 m2 habitables, est parfaite pour une habitation principale. Elle est composée d'un séjour et cuisine séparée et de son balcon traversant, de ses trois chambres, bureau, buanderie, cellier, garage et jardin. Un appartement T2 d'environ 40 m2 est au rez-de-chaussée, indépendant, et peut accueillir famille ou amis, ou tout simplement générer des revenus locatifs. Ce bien est aussi adapté pour un investisseur, avec ses deux logements distincts ayant chacun leur entrée, parking privé et compteurs séparés. Peu de travaux sont à prévoir... Garage 15.7 m2 + cellier 9.45 m2 (au RDC) pour l'appartement T4. Parcelle totale 499 m2

Gayrimenkul alımı - House of about 262 m² on a fenced and wooded plot of 4,142 m². On the ground floor: large basement of about 216 m². On the garden level: entrance/playroom of 39 m² giving access to an indoor swimming pool of 124 m², equipped kitchen, living room of 49 m² with a wood-burning fireplace, one bedroom, bathroom, office and an additional room. Upstairs: five bedrooms and a bathroom. Oil-fired floor heating for the day area and electric heating for the night area. Pool 5x11 meters with heat pump. Large terrace with a 20 m² outbuilding.

Gayrimenkul alımı - Centre-ville de Gaillac, maison de 130 m² sur 3 niveaux, rénovée avec goût. Rez-de-chaussée : une entrée desservant deux chambres de 15 m² et 13 m², une salle d'eau, un toilette. 1er étage : un grand séjour d'environ 45 m² ouvert sur la cuisine américaine, et une terrasse. 2ème étage : deux chambres de 14 m² et 15 m² avec placards, une salle de bain et un toilette. Un grand garage de 40 m² environ, un patio de 36 m² sans vis à vis et au calme, et un jardin clos et arboré d'environ 50 m² viennent compléter le tout.

Gayrimenkul alımı - Discover this charming villa located on the hillsides of Puygouzon, offering great views and a pleasant setting. With a total surface area of 271 m² on 2 levels, it offers a wealth of possibilities. On the main level, you'll find: a large, south-facing living room (approx. 33 m²) opening onto a large terrace (over 20 m²) with a view a separate kitchen opening onto a large, partly covered, north-facing terrace, so you can enjoy it all year round 3 bedrooms, a shower room and a separate toilet. The second level offers: a 4th bedroom, a large laundry room, a second shower room with toilet and a large garage of over 50 m² already fitted with windows and offering the possibility of creating a second independent living area (ideal for multiple families wishing to have two independent dwellings). Eventually, the 3500 m² wooded grounds will provide a second independent garage and swimming pool.

Gayrimenkul alımı - A Gaillac near the town center for sale a working business "pastry shop and bakery" with a town house close to all amenities. A great opportunity for professionals wishing to invest in a passion-driven trade combining creativity, tradition, and proximity to customers. Ground floor: An operating commercial space, kitchen, office, and various workshops for making pastries and the bakery part. First floor the house consists of a living room/dining room, 1 bedroom with dressing room and bathroom/toilet. Access to a very large terrace with SPA and its chalet-style kitchen, which can be enjoyed summer and winter. Second floor, 3 large bedrooms and 1 bathroom/toilet. This atypical town house can meet various demands.

Gayrimenkul alımı - Discover this house in Albi, offering a living area of about 120 m². It comprises six bright rooms: fitted kitchen, 35 m² living room, and four spacious bedrooms. The house features double glazing, electric heating, and a fireplace with an insert. The generous and well-distributed volumes ensure harmonious circulation between the different spaces of the house. Large garage of 36 m², 9 m² outbuilding, 36 m² cellar. House built on a crawl space. Enclosed and wooded plot of 646 m² with fruit trees. A well completes this property, providing a practical solution for watering the garden.

Gayrimenkul alımı - Located in the hyper-centre of Carmaux, this investment building presents a simple, rational layout suited to a structured rental investment strategy. The building comprises three distinct units: On the ground floor, a commercial space with a central location and direct visibility. On the first floor, a roughly 60 m² floor to renovate entirely, offering potential development into a T2 or T3 depending on the chosen orientation (yield optimization or patrimonial valorization). On the second floor, a standing T2 apartment, already renovated and ready for immediate use. The presence of a commercial space combined with two residential units allows for diversification of rental risk. The renovate-able floor offers a value-creation lever, either through tax deficit (deficit foncier) or after-work revaluation. The central location ensures steady rental demand, both for housing and for the commercial activity, securing the medium- to long-term outlook. This property is aimed at an investor seeking a coherent asset, combining immediate partial yield and potential for optimization. Detailed financial elements (current rents, post-work projections, gross and net yields) as well as diagnostics will be provided after an exchange to enable precise, objective analysis of the operation.

Gayrimenkul alımı - Briatexte, a guaranteed favorite for this 19th-century mansion with generous spaces and high-quality features. Cement tiles, marquetry floors, wood paneling, majestic staircase, stained glass… Kitchen, living room, boudoir, 50 m² lounge, 4 bedrooms plus a master suite, dressing rooms, study library, billiard room, cinema room, garage. Land 500 m². Terrace, greenhouse, summer dining room, peaceful patio, pool.

Gayrimenkul alımı - House T5 to renovate, approximately 113 m² of living space over 3 levels, with garden and terrace. On the ground floor, the entrance leads to a large garage of about 50 m² as well as a first room of 22 m² suitable as an office, living room or multipurpose room. This last room could offer direct access to an adjoining garden of about 25 m². On the first floor, you will find a living area of about 27 m² opening onto a large terrace of more than 45 m², a bathroom with toilet, and two bedrooms. The third and final floor includes already-finished attics offering a large bedroom, a bathroom with toilet as well as a hallway that could be used as storage space. Access to the garage is under the terrace, and it also provides a carport space for parking over about 40 m². In addition to the adjoining garden with a well and shelter, you will have a second private and fenced plot of about 187 m² located less than 50 meters from the property. Renovation work is to be expected, allowing a full update to taste and enhancement of the property according to your needs. Heating is provided by an air-to-water heat pump, offering a good level of energy performance.

Gayrimenkul alımı - Técou, just 5 minutes from the A68 and Brens, discover this pleasant single-story house built in 2020, situated on a 2300 m² plot. Its location allows for practical daily life, with a bus stop about a hundred meters away serving nearby towns, Gaillac train station, and schools. A local grocery, a bar-restaurant complete the daily services, while providing quick access to major roads. From the entrance you will be charmed by a bright, warm, and convivial living area, ideal for sharing good moments with family or friends. On the night side, the house offers three bedrooms with wardrobes, including a master suite with private bathroom as well as a separate bathroom, a separate toilet, and a handy laundry room for daily life. Outside, enjoy a pleasant 28 m² terrace, perfect for summer meals and relaxing moments with loved ones. The true asset of this property? Its 2300 m² fenced yard, partly buildable, offering a beautiful outdoor living space and many possibilities: pool, garage, extension, landscaped garden... let your imagination run wild. A recent, functional home ready to welcome your new life project. For more information or to arrange a visit, contact Virginie Ibanez at 06.03.61.42.42, your real estate advisor. Fees charged to the buyer. The present real estate listing has been written under the editorial responsibility of Mrs. Virginie Ibanez, commercial agent (EI registered at the Albi Trade Court under RSAC 904 859 329). Information on the risks to which this property is exposed is available on the Géorisques site: Agency reference: 15432

Gayrimenkul alımı - An exceptional setting, just 30 minutes from the L'Union toll booth. Hidden from sight, discover an estate of about 6 hectares where woods, meadows, ponds and a private lake mingle. A unique place, designed for nature lovers, tranquility and freedom. The house offers about 168 m² of living space and has been renovated in a contemporary spirit while preserving some old elements. It features a superb living area of nearly 70 m² with a fireplace and an open, fully equipped kitchen, 5 bedrooms, including a master suite with dressing room, private bathroom and toilet, an office and a laundry room. Outside, the property reveals all its singularity: a private lake, broad meadows, woods suitable for walks and a preserved environment where nature is omnipresent. A garage of about 140 m² integrating former horse boxes as well as a shed allowing to shelter several vehicles complete the set and offer numerous possible uses. Some spaces can be redesigned according to your wishes to personalize this property while immediately enjoying its exceptional surroundings. A rare domain, where one can enjoy absolute privacy every day, while staying close to major routes. This real estate advertisement has been written under the editorial responsibility of Solène Mabille, commercial agent (EI registered at the Albi Trade Court under RSAC number 941 883 126). Information on the risks to which this property is exposed is available on the Géorisques site: Fees are the responsibility of the seller. Agency reference: 15494

Gayrimenkul alımı - Immovable property with strong potential on a 499 m² plot — Family home + independent T2! Ideal location, discover this approx. 100 m² habitable home, perfect for a main residence with additional income or guest space. The main house comprises a bright living room opening onto a balcony, separate kitchen, 3 bedrooms and an office, laundry room, pantry, private garage and garden. On the ground floor, an independent T2 apartment with a small terrace, fully autonomous, ideal for hosting loved ones in complete privacy or generating rental income (seasonal or long-term). The house can accommodate a large family, or benefit from rental income, or be intended for an investor with two distinct dwellings. A Type 4 dwelling and a Type 2 dwelling. Main house with heat pump and reversible air conditioning in the T2. Risk information for this property is available on the Géorisques website. ALUR information: Negotiator status: Real estate agent. Seller's fees apply. (gedeon)

Gayrimenkul alımı - ALBI - City Centre This charming 1930s house delights with its authenticity, preserved character, and warm living spaces. From the entrance, the old-world charm expresses itself through the original terracotta tiles and wooden floors, giving the overall atmosphere a friendly and distinctive character. The house offers a comfortable living area with open-plan kitchen opening onto the dining space, ideal for sharing moments with family or friends, as well as a separate living room providing a cozy relaxation area. The first floor accommodates two bright bedrooms, one of which has a decorative fireplace, as well as a functional shower room. At the rear, the covered terrace forms a true extension of the dwelling and allows you to enjoy a pleasant outdoor space all year round. A garden shed and a cellar provide particularly useful storage spaces. This townhouse combines the charm of the old with everyday comfort thanks to double-glazed joinery, city gas heating, and numerous preserved original elements. An authentic property, ideal for lovers of character homes seeking a pleasant living environment in the heart of town, close to shops, services, and amenities. Agency fees payable by the seller. Energy class D, Climate class D Estimated annual energy expenditure for standard use: between €1,220.00 and €1,700.00 for the years 2021, 2022, and 2023 (including subscriptions). Professional Card CPI

Gayrimenkul alımı - ALBI Family home of 192 m² on a superb plot of 2,939 m² Situated in a sought-after residential area of Albi, quiet and in a privileged environment, this house built in 1980 offers about 192 m² of living space and benefits from a magnificent tree-lined plot of over 2,900 m², providing space, privacy and numerous possibilities for development. The house offers a mainly single-level living with generous volumes. From the entrance you will discover a generous living area of about 65 m², ideal for accommodating different lounge and dining areas, as well as a separate kitchen. The sleeping area, also on this level, consists of three bedrooms, each with its own shower room, a configuration particularly comfortable for a family life or for hosting guests. Upstairs, a mezzanine provides additional space that can be arranged as a games room, office, reading corner or TV lounge. It serves a fourth bedroom, thus preserving a more independent space. The house also has a basement of about 85 m², a real asset of the property, offering substantial storage capacity, a workshop area and the possibility to park several vehicles. Outside, the property enjoys a very beautiful plot, offering many possibilities to imagine a true relaxation area: installation of a swimming pool, boules court, landscaped areas, vegetable garden or a play area. In terms of features, the house is equipped with oil-fired heating with an old boiler and an electric water heater. The windows are mostly wooden, complemented by aluminum bays, with a mix of single and double glazing and wooden casement shutters. A property with generous volumes and strong potential, which will appeal for its single-level living, its four bedrooms, its large basement and above all the quality and possibilities offered by its park, all in a privileged residential environment in Albi. A family property to discover and reinvent according to your desires. Fees included of 5.19% including VAT payable by the buyer. Price excluding fees 366,000. Energy class E, Climate class E Estimated annual energy expenditure for standard use: between 5,470.00 and 7,460.00 over the years 2021, 2022 and 2023 (including subscriptions). Your L'Agencerie - Albi advisor: Real estate consultant - Jenni RAYNAUD T card RCP Galian -

Gayrimenkul alımı - On the heights of Puygouzon, in a particularly quiet residential environment, this superb architect-designed villa offers a privileged living environment with a remarkable view over the Albigeois. From the moment you arrive, the charm operates. The house opens onto a welcoming and spacious entry hall that naturally leads to a large living space flooded with light. This elegant living-dining area, with generous volumes, opens widely onto a very large terrace, ideal for fully enjoying the dominant view and sunny days. The fully equipped, functional, and warm kitchen has a nice convivial dining area, perfect for daily life. The ground floor continues with a hallway distributing three comfortable bedrooms. An independent dressing room connects to a large bathroom, providing a practical and perfectly organized sleeping area. On the upper floor, two additional bedrooms complete the ensemble, one of which has a private dressing room. A shower room and a separate toilet ensure comfort and autonomy at this level. The pool and its pool house blend harmoniously into the garden, creating a true relaxation space away from prying eyes. The property is in excellent condition and benefits from high-quality amenities: underfloor heating by heat pump, air conditioning, double glazing, full basement, 120 m² garage, cellar, parking, mains drainage. Fees included at 4.17% all taxes for the buyer. Price excluding fees €600,000. Energy class C, Climate class A. Average annual energy expenditure for standard use, based on energy prices in 2021: between €1,896.00 and €2,566.00. Your L'Agencerie - Albi advisor: Real estate consultant - Jenni RAYNAUD Carte T RCP Galian -

Gayrimenkul alımı - Family house of 160 m² in the heart of Lescure-d'Albigeois Ideally located in the very center of the village of Lescure-d'Albigeois, close to shops, schools and services, this house offers a particularly pleasant living environment, combining comfort, space and practicality. Set on a fenced and tree-filled plot of 736 m², it provides around 160 m² of living space spread over two levels. On the ground floor, you will find two spacious bedrooms of 20 m² and 16 m², one of which has a dressing room, as well as a shower room, separate toilets and a laundry room, providing a comfortable and functional sleeping area. Upstairs, the house reveals a beautiful warm and bright living space consisting of a separate kitchen, a living room and a dining room opening directly onto a large L-shaped terrace, ideal for hosting family and friends, organizing summer meals or simply enjoying the unobstructed view of the wooded garden. A wood stove adds to this space and promises cozy winter evenings. An open mezzanine overlooking the living room allows for easy setup of an office, a library or a play area. This level also includes two additional bedrooms, a bathroom and toilets. As for outbuildings, the house has a 32 m² garage complemented by an adjacent 30 m² basement area, offering a total volume of 62 m², perfect for parking, DIY or storage. Technical information: Electric radiators for heating PVC double glazing Wood shutters House connected to the mains sewer system An ideal house for a family seeking generous spaces, a pleasant exterior and a privileged location in the heart of the village. Seller's fees. Energy class D, Climate class B Estimated annual energy expenditure for standard use: between 3157.00 and 4271.00 over 2021, 2022 and 2023 (including subscriptions). Your advisor L'Agencerie - Albi: Alice JOLY Commercial agent (Sole proprietor)