Empruntis

What Empruntis does

Empruntis is a French independent financial brokerage firm founded in March 2000 and headquartered in Saint-Denis, with a secondary office in Paris. Operating as an intermédiaire en opérations de banque et en services de paiement (IOBSP), the company serves primarily individual consumers and small borrowers across France. Its core offerings span four product lines: mortgage brokerage (courtage en crédit immobilier), credit consolidation (rachat de crédits, claiming up to 60% monthly payment reductions), mortgage insurance comparison (assurance de prêt immobilier, claiming up to 65% premium savings), and consumer credit. These are complemented by health insurance (mutuelle santé, 50+ partner comparisons), professional loans (prêt professionnel), and savings/investment products. Distribution operates through a hybrid model combining a 24/7 digital self-service platform, a 160-agency physical branch network across France, and dedicated phone advisory lines. The company is owned by private equity firm Bridgepoint through Groupe EMPRUNTIS, with Pierre de Buhren serving as President.

The platform aggregates offerings from over 100 banking partners (BNP Paribas Personal Finance, Crédit Agricole, Banque Populaire, Crédit Mutuel, AXA Banque, Cofidis, Cetelem, SOFIAP, Partners Finances) and 35+ insurance partners (GMF, MAAF, MMA, Abeille Assurances, plus mutual insurers and brokers). Underlying technology includes an in-house real-time rate comparison engine that queries partner rate sheets to generate personalized offers, a suite of online simulators (mortgage payment, borrowing capacity, notary fees, TAEG, PTZ, bridge loan), Diabolocom's AI-integrated telephony system for call recording and quality evaluation, and integration with Assurland for IARD (property and casualty) insurance comparison. Analytics rely on Air360 and Matomo for cookieless, CNIL-compliant tracking, and Axeptio for GDPR cookie consent. The platform uses SSL 128-bit encryption for data transmission.

Empruntis earns revenue through brokerage commissions paid by clients (capped at 1% of financed amount with a €1,900 minimum, payable only after notarized act signing) and through affiliate commissions from banking and insurance partners. The consumer credit comparison service is offered free to clients under a freemium model compensated entirely by partner commissions, with explicit policy that commissions do not affect offer ranking. The company holds ISO 9001 certification, is registered with ORIAS (#10 054 038) as COA, MIA, COBSP and MOBSP, and is supervised by the ACPR. In July 2022, the company integrated Raizers, a French real estate crowdfunding platform, into its parent group to pursue new verticals and European expansion.

Name

Empruntis

Legal name

EMPRUNTIS

Website

https://empruntis.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Empruntis is a French independent credit and insurance brokerage serving individual consumers and SMBs through a hybrid model combining a 160-agency network and digital platform, aggregating offers from 100+ banks and 35+ insurers.

Ownership category

akta.pro rank

Product category

Mortgage and Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Finance and Insurance (52)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Mortgage brokerage
• Credit intermediation
• Loan comparison
• Insurance brokerage
• Consumer lending

Headquarters

HQ city

Saint-denis-sur-loire

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commissions (Client Fees): Mortgage brokerage service fees charged to clients, capped at maximum 1% of financed amount with minimum of 1,900 euros, payable after signing of notarized act
2. Bank Commissions: Commissions received from banking partners when clients subscribe to loans through the platform; no capital ties to partners ensures independence
3. Insurance Partner Commissions: Commissions earned when clients subscribe to insurance products through the platform's 35+ insurance partners
4. Credit Consolidation Fees: Revenue from credit consolidation service via convention or bank commission, without impact on offer ranking
5. Consumer Credit Free Service: Consumer credit comparison service offered free to customers; company compensated solely by partners with no impact on offer ranking

Pricing tiers

Distribution channels5 records

Marketing channels7 records

Core offering

Empruntis is a French credit and insurance broker that compares and distributes mortgage loans, consumer credit, credit consolidation, and loan insurance offers from a network of 100+ banking partners and 35+ insurance partners. It serves individual consumers and professionals through a hybrid model combining an online comparison platform, phone advisory, and a network of 160 physical agencies across France. Its brokers accompany customers from initial simulation through loan signing and fund disbursement.

Product overview

Empruntis operates as a multi-product financial brokerage platform combining a website, mobile services, and a network of 160 physical agencies across France. The core offering consists of four main products: mortgage brokerage (courtage en crédit immobilier), credit consolidation (rachat de crédits), mortgage insurance (assurance de prêt immobilier), and consumer credit (crédit à la consommation). These are complemented by health insurance comparison (mutuelle santé), professional loans (prêt professionnel), and savings products (épargne). A suite of online simulators supports the main products, enabling customers to calculate mortgage payments, borrowing capacity, notary fees, and insurance rates. The platform aggregates offerings from over 100 banking partners and 35+ insurance partners, positioning itself as a bancassurance broker that combines digital tools with personalized broker support.

Differentiator

Problem solved

Functional benefit

Products and services

• Courtage en crédit immobilier (Mortgage Brokerage)
• Rachat de crédits (Credit Consolidation)
• Assurance de prêt immobilier (Mortgage Insurance Brokerage)
• Crédit à la consommation (Consumer Credit Comparison)
• Mutuelle santé (Health Insurance Comparison)
• Prêt professionnel (Professional Loan Brokerage)
• Épargne et Placement (Savings and Investment Comparison)

Quantifiable outcome

• Up to 60% reduction in monthly payments through credit consolidation
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core.

• RaizerscoreStrategic or Co-development PartnerFrench real estate crowdfunding platform integrated into Groupe Empruntis to expand development and European market reach.
• BNP Paribas Personal FinancecoreChannel Partner/ Reseller/ DistributorMajor banking partner in the network providing mortgage and consumer credit solutions to Empruntis customers.
• Crédit AgricolecoreChannel Partner/ Reseller/ DistributorLeading mutualist banking group partner providing credit solutions through regional network.
• Banque PopulairecoreChannel Partner/ Reseller/ DistributorMutualist banking group partner offering regional credit solutions.
• Crédit MutuelcoreChannel Partner/ Reseller/ DistributorMutualist banking federation partner providing diversified financial services.
• AXA BanquecoreChannel Partner/ Reseller/ DistributorMajor insurance-banking group partner providing financing and insurance solutions.
• Partners FinancescoreChannel Partner/ Reseller/ DistributorCredit consolidation partner operating as non-exclusive mandate for loan restructuring operations.
• CofidiscoreChannel Partner/ Reseller/ DistributorSpecialized consumer credit institution partner for personal and revolving credit solutions.
• CetelemcoreChannel Partner/ Reseller/ DistributorConsumer credit specialist partner for loan products.
• SOFIAPcoreChannel Partner/ Reseller/ DistributorSpecialized real estate financing institution partner, notably for PTZ (zero-rate loan) products.
• GMFcoreChannel Partner/ Reseller/ DistributorLeading mutual insurance group for persons and professionals, offering auto, home, health, and provident insurance products.
• MAAF AssurancescoreChannel Partner/ Reseller/ DistributorMutual insurance group protecting over 3 million customers with products spanning auto, home, health, and professional coverage.
• MMAcoreChannel Partner/ Reseller/ Distributor177-year-old mutual insurance company offering comprehensive coverage for individuals, professionals, and enterprises.
• Abeille AssurancescoreChannel Partner/ Reseller/ DistributorMajor insurance company with 4,300 employees, 1,000 agents, and 170 years of experience serving over 3 million clients.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Linxo: French personal finance management and bank aggregation platform. While not a direct mortgage broker, it is a comparable French fintech in the personal finance comparison and advisory space, competing for similar consumer mindshare.
• Younited Credit: French consumer credit platform offering personal loans and credit-related products directly online. Overlaps with Empruntis's consumer credit comparison offering and represents a digital-native alternative for French borrowers.

Broad incumbents

• Cofidis: Major French consumer credit specialist and one of Empruntis's banking partners. Comparable in its consumer credit offering (auto, personal, revolving loans) and represents both a partner and an adjacent direct-to-consumer competitor.
• Assurland: French insurance comparison platform for property and casualty products, already an integration partner of Empruntis (IARD comparison). Comparable insurance distribution and comparison capability for French consumers.
• Ma Banque (Crédit Mutuel Arkéa): French regional banking group and one of Empruntis's partner banks. Offers mortgage, consumer credit, and insurance products directly, providing a benchmark for partner-bank competitive dynamics and direct intermediation economics.

Direct peers

• Vousfinancer: French credit broker with a significant agency footprint offering mortgage brokerage, debt consolidation, and insurance comparison. Direct competitor to Empruntis in intermediation services for individual borrowers.
• Pretto: French online-first mortgage broker offering mortgage comparison and advisory without a large physical network. Competes with Empruntis's digital channel, targeting the same French homebuyer segment with a leaner, tech-led model.
• Meilleurtaux: Leading French mortgage and insurance broker directly competing with Empruntis. Offers mortgage comparison, credit consolidation, and insurance brokerage to French consumers via a hybrid digital and branch model, with a similar large bank and insurer partner network.
• ACE Crédit: French credit broker specializing in mortgage, consumer credit, and debt consolidation. Operates a multi-branch network similar to Empruntis and competes for the same individual customer base.
• CAFPI: Major French mortgage broker with an extensive branch network across France. Competes head-to-head with Empruntis in mortgage brokerage, credit consolidation, and insurance delegation, with comparable multi-bank partner coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/empruntiscom
• YouTubeyoutube.com/c/EmpruntisFR
• Facebookfacebook.com/empruntiscom
• LinkedInlinkedin.com/company/empruntis

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors2 records

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

M&A1 record

Investments

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

Frequently asked questions about Empruntis