Decioes E Solucoes
Decisões e Soluções is a Portuguese multi-service intermediation platform operating a 100+ store national franchise network that delivers real estate brokerage, credit intermediation, and insurance brokerage services to individual consumers across Portugal, generating over €31 million in FY2025 revenue.
- Company typePrivate
- Founded2003
- HeadquartersVila Nova De Gaia, Portugal
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Decioes E Solucoes does
Decisões e Soluções is a Portuguese multi-service intermediation platform, founded in 2003 and headquartered in São Félix da Marinha (Vila Nova de Gaia), operating under the umbrella of Grupo DS through its holding company Decisões e Soluções Holding, Lda. The company delivers a "360°" advisory platform built around five core business lines: real estate mediation (Mediação Imobiliária, AMI License 9300), credit intermediation (Intermediários de Crédito, Banco de Portugal registration 926), insurance mediation (Mediação de Seguros, ASF registration 409311648/3), construction mediation (Mediação de Obras), and property construction (Construção de Imóveis). The platform also encompasses adjacent subsidiaries in travel/tourism, automobile trading, and training.
The company's underlying technology consists of a proprietary CRM platform (X-IMO CRM, developed by third-party vendor InovaDigital) and a property listing website with search filters, virtual tours, credit simulators, and transaction support. Distribution is anchored by a national franchise network of over 100 physical stores and 1,800+ specialists serving 500,000+ cumulative clients across mainland Portugal and the Azores, supported by partnerships with 12+ banks (Santander Totta, BPI, Novo Banco, CGD, BNP Paribas Personal Finance, Montepio, Bankinter, UNICRE, Banco CTT, ABANCA, BNI, UCI, SICAM) and 20+ insurers (Generali Tranquilidade, Zurich, Allianz, Mapfre, Fidelidade, MetLife, Bupa, Asisa, among others).
The business model is entirely commission-based, with revenue generated at the point of completed transaction — real estate brokerage commissions, credit intermediation fees, and insurance brokerage commissions, plus professional services revenue from construction mediation. Pricing is pay-as-you-go with no disclosed tier structure and no upfront consumer fees. Go-to-market is direct-to-consumer through the franchise store network combined with sales-led advisory by individual consultants. In FY2025 the company reported its best-ever result with billing volume exceeding €31 million, with leadership under National Coordinating Director Miguel Oliveira.
Decioes E Solucoes firmographics
Firmographics- Name
- Decioes E Solucoes
- Legal name
- DECISÕES E SOLUÇÕES – MEDIAÇÃO IMOBILIÁRIA, LDA / DECISÕES E SOLUÇÕES – INTERMEDIÁRIOS DE CRÉDITO, LDA
- Website
- https://decisoesesolucoes.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Decisões e Soluções is a Portuguese multi-service intermediation platform operating a 100+ store national franchise network that delivers real estate brokerage, credit intermediation, and insurance brokerage services to individual consumers across Portugal, generating over €31 million in FY2025 revenue.
- Ownership category
- akta.pro rank
Decioes E Solucoes industry classification
Industry- Product category
- Real Estate Brokerage and Credit Intermediation
- NAICS
- Offices of Real Estate Agents and Brokers (5312), Offices of Real Estate Agents and Brokers (53121), Miscellaneous Intermediation (523910)
- SIC
- Real Estate Agents & Managers (For Others) (6531), Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Closing Coordination & Transaction Management (Broker/Agent Support) (BPAJAOAH)
Keywords
Where Decioes E Solucoes is headquartered
LocationHeadquarters
- HQ city
- Vila Nova De Gaia
- HQ country
- Portugal
- HQ region
- Europe
Offices8 records
Markets served
Decioes E Solucoes business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Real Estate Mediation: Commission-based revenue from property buying, selling, and rental intermediation services. The company acts as a licensed real estate mediator (AMI 9300) with independent stores across Portugal.
- Credit Intermediation: Fees earned from credit intermediation services, including mortgage (crédito habitação), personal credit, and credit consolidation. Registered as Bound Credit Intermediary with Banco de Portugal (registration 926).
- Insurance Mediation: Commission revenue from insurance product intermediation across life and non-life segments. Registered as Insurance Agent under ASF (registration 409311648/3).
- Construction and Works Mediation: Revenue from construction project management and works mediation services, from land to turnkey solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Commission-based model for all services |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Decioes E Solucoes product offering
Product offeringCore offering
Decisões e Soluções provides five integrated service lines for individual and business clients in Portugal: real estate mediation (buying, selling, renting, property valuation, energy certification), credit intermediation (mortgage, personal, auto, consolidated credit, refinancing, real estate leasing) with 12+ bank partners, insurance mediation (life, non-life, health, home, auto, legal protection) with 20+ insurer partners, construction mediation and turnkey property development, and works mediation providing quality oversight for renovations. Services are delivered through a national franchise network of 100+ stores and 1,800+ specialist consultants, with revenue earned via commissions on completed transactions.
Product overview
Decisões e Soluções operates a diversified financial and real estate services platform organized around five core business areas: real estate mediation, construction/project management, works mediation, credit intermediation, and insurance mediation. The platform functions as a multi-service consultancy with a national franchise network of 100+ stores, delivering integrated 360° solutions to individual and business clients. The real estate division handles property purchase, sale, and rental transactions along with complementary services including valuation, energy certification, photography, and home staging. The construction and works mediation divisions manage projects from land acquisition through turnkey delivery with quality assurance. Credit mediation connects clients with 12+ banking partners for housing, personal, auto, and consolidated credit products. Insurance mediation provides access to 20+ insurers across life, non-life, health, auto, and specialty lines. The company achieved €31+ million in billing revenue in 2025 and serves 500,000+ satisfied clients through 1,800+ specialists nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Real Estate Mediation (Mediação Imobiliária)
- Credit Intermediation (Intermediação de Crédito)
- Insurance Mediation (Mediação de Seguros)
- Construction and Works Mediation (Construção de Imóveis and Mediação de Obras)
- Rede DS Franchise Network (DS Network)
Quantifiable outcome
- 500,000+ satisfied clients served since founding
- +2 more outcomes
Companies that use Decioes E Solucoes
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
Decioes E Solucoes technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Decioes E Solucoes partnerships and signals
Strategic signalPartnerships
33 partnerships are on record, tiered core and minor.
- Banco Santander TottacoreCredit intermediation partner providing mortgage and consumer credit products through DS network. One of multiple banking partners for credit intermediation services.
- Banco BPIcoreCredit intermediation partner for mortgage and personal credit products distributed through DS stores.
- Novo BancocoreCredit intermediation partner for housing and consumer credit solutions.
- Caixa Geral de Depósitos (CGD)coreState-owned bank partner for credit intermediation services through DS network.
- BNP Paribas Personal FinancecoreCredit intermediation partner operating as subsidiary in Portugal.
- Montepio CréditocoreMutual credit institution partner for housing and consumer credit.
- BankintercoreSpanish bank partner with Portugal branch for credit intermediation.
- Generali TranquilidadecoreInsurance partner for life and non-life insurance products through DS insurance mediation services.
- ZurichcoreInsurance partner for various insurance coverage products.
- Allianz PortugalcoreInsurance partner including Allianz Trade for trade credit insurance.
- MapfrecoreInsurance partner for comprehensive coverage solutions.
- FidelidadecoreMajor Portuguese insurance group partner.
- Banco de PortugalcoreCentral bank and regulatory authority overseeing credit intermediation activities. DS is registered as Bound Credit Intermediary (ICV) under registration 926.
- IMPIC (Instituto dos Mercados Públicos, do Imobiliário e da Construção)coreRegulatory body for real estate mediation. DS holds AMI License 9300.
- ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões)coreInsurance and pensions regulator. DS is registered as Insurance Agent under number 409311648/3, authorized for Life and Non-Life segments.
- UNICREcoreCredit institution partner for credit card and financing solutions.
- Banco CTTminorPostal bank partner for credit products.
- ABANCA PortugalminorSpanish banking group with Portuguese operations.
- BNI - Banco de Negócios InternacionalminorBusiness bank partner for credit intermediation.
- Union de Creditos Inmobiliarios (UCI)minorReal estate credit specialist operating as Spanish establishment in Portugal.
- SICAM - Caixa Central e Caixas de Crédito Agrícola MútuominorAgricultural credit cooperative central entity.
- Victoria SegurosminorInsurance partner from Visano group.
- Caravela InsuranceminorInsurance partner for various coverage products.
- April PortugalminorInsurance and assistance products partner.
- Real VidaminorLife and health insurance specialist.
- MetLifeminorGlobal life and employee benefits insurance partner.
- AsisaminorHealth insurance partner.
- PrevoirminorPersonal protection insurance partner.
- Saúde PrimeminorHealth insurance and wellness partner.
- Bupa SegurosminorInternational health insurance provider.
- InnovariskminorSpecialized insurance partner.
- ARAG PortugalminorLegal protection and assistance insurance partner.
- Europe AssistanceminorAssistance and insurance services partner.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
Decioes E Solucoes competitors and assessment
Company assessmentDirect peers
- Engel & Völkers Portugal: Engel & Völkers runs licensed shops in Portugal focused on premium and luxury residential brokerage. Comparable to DS at the higher end of the property market, particularly in Lisbon, the Algarve, and Porto.
- IAD Portugal: IAD is a digital-first real estate network with a growing Portuguese footprint, using independent consultants without traditional storefronts. It competes with DS for the same residential intermediation clients and the same pool of independent agents.
- Porta da Frente: Porta da Frente is a longstanding Lisbon-based real estate agency focused on premium and prime residential properties. It competes with DS for high-value listings and buyer mandates in the Lisbon market.
- Predibisa: Predibisa is a long-established Portuguese real estate brokerage with a multi-decade track record in residential and commercial intermediation. It competes with DS in the same Portuguese customer segments with a similar service offering.
- Coldwell Banker Portugal: Coldwell Banker operates in Portugal through affiliated agencies offering brokerage and relocation services. Comparable to DS on international brand positioning and premium residential brokerage.
- ERA Portugal: ERA is one of Portugal's largest real estate franchise networks with a similar store-based, consultant-driven brokerage model. It competes directly with DS for both franchisees and property listings across Portugal, offering the same core real estate mediation service.
- Century 21 Portugal: Century 21 runs a large national franchise network of real estate agencies in Portugal, providing brokerage services through affiliated agents. It is a like-for-like competitor to DS on store count, agent network, and buyer/seller intermediation.
- RE/MAX Portugal: RE/MAX operates a franchise real estate network in Portugal with hundreds of agents and storefronts, mirroring DS's agent-broker model. It competes on the same buyer/seller intermediation service and similar middle-market residential focus.
- Keller Williams Portugal: Keller Williams operates a franchise real estate model in Portugal with emphasis on agent productivity and team structures. It is a comparable peer in agent recruitment, training, and residential brokerage market share.
Emerging players
- MDS Group: MDS is a leading Portuguese insurance and reinsurance broker operating across life, non-life, and employee benefits. Comparable to DS's insurance mediation arm and would compete for the same corporate and individual insurance placements.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Decioes E Solucoes social profiles
Digital presenceDecioes E Solucoes financial estimates
Financial estimateRevenue estimate
Valuation estimate
Decioes E Solucoes leadership team
Management profileNumber of profiles
Profiles1 record
Decioes E Solucoes subsidiaries and ownership
Company hierarchySubsidiaries3 records
Decioes E Solucoes funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Decioes E Solucoes M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Decioes E Solucoes
What does Decioes E Solucoes do?
Decisões e Soluções provides five integrated service lines for individual and business clients in Portugal: real estate mediation (buying, selling, renting, property valuation, energy certification), credit intermediation (mortgage, personal, auto, consolidated credit, refinancing, real estate leasing) with 12+ bank partners, insurance mediation (life, non-life, health, home, auto, legal protection) with 20+ insurer partners, construction mediation and turnkey property development, and works mediation providing quality oversight for renovations. Services are delivered through a national franchise network of 100+ stores and 1,800+ specialist consultants, with revenue earned via commissions on completed transactions.
Is Decioes E Solucoes a public or private company?
Decioes E Solucoes is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Decioes E Solucoes founded?
Decioes E Solucoes was founded in 2003. It employs 1,001 to 5,000 people.
Where is Decioes E Solucoes based?
Decioes E Solucoes is headquartered in Vila Nova De Gaia, Portugal, in the Europe region.
How does Decioes E Solucoes make money?
Four revenue lines are on record. Real Estate Mediation is the primary driver. The others are credit Intermediation, insurance Mediation and construction and Works Mediation.
Who are Decioes E Solucoes's main competitors?
Direct peers on record are Engel & Völkers Portugal, IAD Portugal, Porta da Frente, Predibisa, Coldwell Banker Portugal, ERA Portugal, Century 21 Portugal, RE/MAX Portugal and Keller Williams Portugal. MDS Group is listed as an emerging player.
Does Decioes E Solucoes have an API?
No public API is recorded for Decioes E Solucoes.
What industry is Decioes E Solucoes in?
Decioes E Solucoes's product category is Real Estate Brokerage and Credit Intermediation. Its primary akta.pro industry code is BPAJAOAH, Closing Coordination & Transaction Management (Broker/Agent Support). Its NAICS code is 5312 and its SIC code is 6531.