Kereis

What Kereis does

Kereis is a Paris-based, pan-European personal insurance brokerage group founded in 1991, operating across seven countries (France, Italy, Spain, Germany, Portugal, Belgium, and Austria) with approximately 1,700 employees and €422 million in 2025 revenue, ranked #1 specialist broker in France by L'Argus de l'assurance 2026. The company intermediates borrower insurance, individual provident, health, and property/damage products on behalf of more than 200 institutional partners, including major banks (BPCE, Société Générale, HSBC, LCL), insurers and mutuals (AXA, Allianz, Generali, Covéa, Matmut, MetLife, SwissLife, Wakam), retailers (Carrefour), automotive financiers (BMW, Toyota, Volvo), and fintechs (Younited Crédit). Advent International acquired a majority stake in 2025, succeeding Bridgepoint which had held majority ownership since 2020.

The group operates through five integrated business lines: (1) broker-manager services via Kereis France, covering one quarter of the French population in credit insurance; (2) wholesale brokerage via Kereis Solutions (unifying Cegema, iAssure, Novelia), the 4th-largest French wholesale broker with 440,000 insured lives; (3) direct distribution to self-employed professionals and SMEs via Kereis Expertises and its sub-brands (Cerap, Çà assure, ASSfi, RGF Belgium); (4) a SaaS technology platform via Kereis Technologies (Alto Informatique, Global Courtage, Particeep) exposing more than 70 APIs to partners; and (5) AI-powered insurance intelligence via Minalea, which applies computer vision and NLP to read loan documents and power the MyScan mortgage-insurance comparison tool across France, Belgium, Italy, and Portugal. Supporting subsidiaries provide actuarial consulting (Prim'Act), German-market software (ProKonzept), and professional training (Kereis Formation).

Revenue is generated primarily through brokerage commissions on insurance distribution (transaction-based), supplemented by recurring SaaS platform fees, direct distribution margins, and training/advisory services. The go-to-market combines direct B2B field sales to enterprise partners, wholesale distribution through retail broker networks, self-serve digital channels for individual consumers (Çà assure, Rebond), and API-based embedded/OEM distribution of SaaS tools to insurers, banks, and real estate developers. Switching costs are reinforced by 35+ years of embedded partner relationships and deep integration with systems such as the direct API link to CNAM via France Connect.

Name

Kereis

Legal name

Kereis

Website

https://kereis.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Kereis is a Paris-based pan-European personal insurance brokerage group serving banks, insurers, and self-employed professionals across 7 countries. It distributes borrower, health, provident, and damage insurance products via broker-manager, wholesale, direct, and SaaS channels, generating €422M in 2025 revenue.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage
• Personal insurance
• Credit protection insurance
• Insurance distribution platform
• Insurance SaaS

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices17 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Brokerage Commissions: Commissions from distributing insurance products (borrower insurance, health, property, provident) as broker-manager and wholesale broker for partners including insurers, mutuals, banks, and retailers
2. SaaS Platform Services: Technology platform and SaaS solutions provided to insurance companies, mutual insurers, banks, brokers, real estate developers and promoters
3. Direct Insurance Distribution: Direct distribution of individual provident, health, savings-retirement, and business damage insurance to TNS and enterprises
4. Training and Advisory Services: Professional training in credit and personal insurance, actuarial consulting, and risk management services

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Kereis is a pan-European personal insurance brokerage group that designs, distributes, and manages borrower insurance, health, provident, and property damage insurance products for over 200 partner banks, insurers, mutuals, brokers, and retailers across 7 countries. It operates an integrated multi-channel platform combining broker-manager services (Kereis France), wholesale brokerage (Kereis Solutions), direct distribution to self-employed professionals and SMEs (Kereis Expertises), and a SaaS technology platform (Kereis Technologies) exposing 70+ APIs with AI-powered capabilities (Minalea, MyScan, Rebond).

Product overview

Kereis is a pan-European personal insurance brokerage group offering a full-range, multi-channel platform spanning the entire insurance value chain: product design, distribution, underwriting, customer relations, claims management, and reporting. The core product is Kereis France (CBP), the leading specialist broker-manager in credit protection and individual provident insurance. The platform is delivered through five integrated business lines: (1) Broker-manager services via Kereis France; (2) Wholesale brokerage via Kereis Solutions (unifying Cegema, iAssure, Novélia); (3) Direct distribution to self-employed professionals and individuals via Kereis Expertises and its sub-brands Cerap, Ça assure, ASSfi, and RGF (Belgium); (4) SaaS technology platform via Kereis Technologies (Alto Informatique, Global Courtage, Particeep) with over 70 exposed APIs; and (5) AI-powered insurance intelligence via Minalea. Supporting services include Kereis Formation (professional training), Prim'Act (actuarial consulting), and ProKonzept (German market tools). The group operates across 7 European countries (France, Germany, Spain, Italy, Portugal, Belgium, Austria) and was recently acquired by Advent International.

Differentiator

Problem solved

Functional benefit

Brands

• MyScan: Online pricing and comparison journey for mortgage borrower insurance, developed jointly by Ça assure and Minalea
• Rebond
• Kereis 4 Impact

Products and services

• Kereis France Broker-Manager Services (CBP) The primary broker-manager entity of the Kereis group, specializing in credit protection insurance (assurance emprunteur), individual provident insurance, and auto credit insurance distribution and management. Serves over 200 partners including major banks and insurers, managing a portfolio covering one quarter of the French population in credit insurance.
• Kereis Solutions Wholesale Brokerage The multi-specialist wholesale broker of the Kereis group, unifying the operations of Cegema, iAssure, and Novélia. Designs and distributes insurance products in health, loan protection, professional provident insurance, and property/damages through a network of local brokers. Covers 440,000 insured lives and ranks as the 4th largest French wholesale broker.
• Kereis Technologies SaaS Platform (Alto / Cifacil.io) The group's technology and SaaS platform entity, combining Alto Informatique, Global Courtage, and Particeep. Provides SaaS solutions for credit brokers, insurers, banks, real estate developers, and promoters, enabling simulations, credit dossier management, and distribution and product management. Exposes over 70 APIs to customers and partners.
• Kereis Expertises Direct Distribution Direct distribution entity of the group serving self-employed professionals (TNS), businesses, and individuals. Provides social protection consulting, group provident insurance management, digital mortgage insurance, and specialist coverage for complex/special risk profiles. Covers 24,000 TNS and individuals and 8,000 businesses.
• Ça assure Online Mortgage Insurance Fully digital mortgage insurance distributor under Kereis Expertises, offering 100% digital, transparent mortgage insurance with streamlined online underwriting. Co-develops MyScan with Minalea for AI-powered comparison.
• ASSfi Complex Risk Mortgage Insurance Subsidiary of Kereis Expertises specializing in mortgage insurance for complex and non-standard risk profiles (aggravated risk).
• Cerap Group Provident Consulting Entity under Kereis Expertises providing consulting in social protection and group provident insurance management for businesses.
• Minalea AI Insurance Platform Insurtech company providing AI-powered intelligent solutions for insurance professionals. Its AI reads and processes loan and insurance documents by computer vision and NLP, enabling automated comparison, pricing, and risk assessment. Present in France, Belgium, Italy, and Portugal. Powers MyScan for Ça assure.
• MyScan AI Mortgage Insurance Comparison Digital mortgage insurance comparison and pricing tool that inverts the logic of traditional comparators: borrowers upload their mortgage offer and amortization schedule, and Minalea's AI reads and structures all loan data automatically, generating an instant comparison across 10 insurers at strictly equivalent guarantees.
• Rebond Director Unemployment Insurance Digital platform for self-employed business owner unemployment insurance (assurance chômage dirigeant) with mobile-first journey requiring 3 inputs for instant market comparison, combined with human advisor callbacks and a support ecosystem of partner associations.
• RGF Belgium Insurance Brokerage Broker operating in Belgium since June 2023 (acquisition by Kereis), with 12 branches in Wallonia. Offers tailored solutions in provident insurance, retirement savings, life insurance, and property coverage for individual and business clients.
• Kereis Formation Professional Training The group's professional training organization, specializing in credit and personal insurance training for banking, brokerage, and insurance networks.
• Prim'Act Actuarial Consulting Actuarial consulting company within the Kereis group, providing expertise in actuarial science and risk management for insurance clients.
• ProKonzept German Credit Broker Software German software solutions company providing sales-aiding tools for credit brokers and real estate agents in the German market.

Quantifiable outcome

• Up to €15,000 savings over loan duration for borrowers switching insurance
• +5 more outcomes

Named customers17 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered minor.

• Marie GendronminorGTM or Marketing PartnerKereis partners with professional sailor Marie Gendron for sailing sponsorship, embodying values of boldness, excellence, and environmental protection. Marie competes in Figaro class and Mini Transat races.
• Second SouffleminorStrategic or Co-development PartnerAssociation partner for Rebond director unemployment insurance platform, providing peer support and prevention services to avoid business failures.
• 60 000 RebondsminorStrategic or Co-development PartnerAssociation partner for Rebond platform providing legal and entrepreneurial support for directors going through collective procedures.
• Observatoire AmarokminorStrategic or Co-development PartnerPsychological support partner for directors in distress, with platform animated by occupational psychologists and mental health experts including Professor Olivier Torrès.
• TEDxNantesminorGTM or Marketing PartnerKereis partnered with TEDxNantes 2026 as a sponsor, supporting thought leadership and innovation discussions.

Scale indicators11 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Santiane: French digital-first insurance broker and comparator specializing in health and borrower insurance. Closely comparable online distribution model to Kereis's Çà assure and Minalea-driven MyScan product; currently subject to Kereis acquisition (announced May 2026).
• Solly Azar: French insurance broker specialized in personal lines (auto, home, health) for individuals and small businesses. Comparable B2B/B2C distribution model and digital tools targeting retail customers, including borrower insurance.
• Verspieren: Independent French insurance broker with comparable personal insurance and corporate brokerage offering. Similar family-owned/independent heritage, B2B distribution model, and regional presence in northern France, competing with Kereis for the same bank and corporate accounts.
• SPVie Assurances: French insurance brokerage network specializing in personal insurance distribution to professionals, associations, and individuals. Directly comparable to Kereis Expertises in the TNS/SME segment and to Kereis Solutions in wholesale brokerage.
• April Group: French-headquartered insurance brokerage group with similar specialty focus on personal insurance (health, provident, borrower, P&C) and a multi-channel distribution platform. Direct competitor across broker-manager, wholesale brokerage, and direct distribution segments in France.

Broad incumbents

• Aon France: Global insurance broker with French presence covering personal and commercial lines. Competes with Kereis in the broker-manager space for large enterprise and institutional clients, though Aon's French operations are broader in scope.
• Willis Towers Watson (WTW): Global insurance brokerage and advisory firm with significant French and European operations. Overlaps with Kereis in personal lines distribution and risk advisory but at much larger scale and broader corporate focus.
• CNP Assurances: Leading French life and health insurance carrier with deep bancassurance partnerships (including with BPCE, one of Kereis's bank partners). Represents the carrier side that competes with Kereis's distribution model and could vertically integrate to disintermediate.

Emerging players

• Shift Technology: Paris-based insurtech providing AI-driven fraud detection and claims automation for insurers. Comparable to Minalea in serving insurance carriers with AI/ML capabilities, though Shift focuses on claims rather than distribution and underwriting.
• Akur8: Paris-based insurtech providing AI-powered pricing and underwriting for insurance carriers. Compares to Kereis Technologies/Minalea's AI pricing capabilities, targeting the same AI-in-insurance value proposition though focused on carrier-side pricing rather than broker distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@kereis4198?si=tkbS-3MLfCr6qeMc
• LinkedInlinkedin.com/company/kereis
• Instagraminstagram.com/kereis_talents
• Xx.com/groupekereis

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries20 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kereis