Ymanci
Ymanci is a French credit and insurance brokerage founded in 1999, intermediating credit consolidation, mortgage, borrower insurance, and health insurance products for individual consumers through 135 agencies and 500 expert advisors, earning commissions from 20+ banking and insurance partners.
- Company typePrivate
- Founded1999
- HeadquartersGondreville, France
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Ymanci does
Ymanci is a French credit and insurance brokerage firm that acts as a non-exclusive intermediary (mandataire non exclusif) between individual consumers and a network of 20+ banking and insurance partners. Founded in 1999, the company operates across four product lines — credit consolidation (rachat de crédits), real estate mortgages (crédit immobilier), borrower insurance (assurance emprunteur), and complementary health insurance (mutuelle santé) — distributed through 135 physical and remote agencies staffed by 500 expert advisors. The company is structured as three SAS entities (PremiDirect, Premimmo, PremiServices) under the privately held Groupe Premista, with headquarters in Gondreville, France. All entities are regulated as IOBSP intermediaries under ACPR oversight and registered with ORIAS.
The platform combines human advisory with digital tooling: online simulators and rate barometers support top-of-funnel lead capture, while third-party integrations with Powens (banking data aggregation), Vidata (video budget pre-analysis), and Skapané (automated document processing) automate parts of the underwriting workflow. Marketing channels include SEO-optimized content, social media, podcasts, YouTube, email, and Trustpilot review collection. Customer-facing services (simulations, feasibility studies, advisory) are free; revenue is earned exclusively on transaction completion.
Ymanci's revenue model is commission-based: 0.5%-8.5% of financed amount on credit consolidation and up to 1% on real estate credit, paid by partner institutions rather than customers. The Garantie du Meilleur Taux — a 90-day best-rate refund pledge — is a notable customer-facing differentiator. Operations are entirely domestic (France), with no disclosed expansion into other markets, no external institutional investment, and no M&A activity in the available data.
Ymanci firmographics
Firmographics- Name
- Ymanci
- Legal name
- PremiDirect SAS
- Website
- https://ymanci.fr
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Ymanci is a French credit and insurance brokerage founded in 1999, intermediating credit consolidation, mortgage, borrower insurance, and health insurance products for individual consumers through 135 agencies and 500 expert advisors, earning commissions from 20+ banking and insurance partners.
- Ownership category
- akta.pro rank
Ymanci industry classification
Industry- Product category
- Credit and Insurance Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)
- SIC
- Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)
- akta.pro secondary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Ymanci is headquartered
LocationHeadquarters
- HQ city
- Gondreville
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Ymanci business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Brokerage Commissions - Credit Operations: Ymanci acts as a non-exclusive intermediary (mandataire non exclusif) in banking operations, earning commissions from partner financial institutions. In the context of credit consolidation, commissions vary between 0.5% and 8.5% of the financing amount. For real estate credit, remuneration varies up to 1% of the financing amount. These commissions are paid by the credit institution and do not influence the quality of proposals made to customers.
- Insurance Brokerage Commissions: As a broker and mandataire in insurance (courtier et mandataire d'intermédiaire en assurance), Ymanci earns commissions from insurance partners for placing borrower insurance and health insurance products. The company is registered with ORIAS under multiple registrations for banking and insurance intermediation activities.
- Free Customer Services with Commission-Based Model: All initial customer services are free - studies, simulations, and advice incur no charges. Revenue is generated solely when customers sign a financing agreement, with commissions paid by partner banks and insurance companies. This aligns company interests with customer outcomes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free initial consultation and feasibility study |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Ymanci product offering
Product offeringCore offering
Ymanci is a French retail credit and insurance broker that intermediates between individual consumers and partner banks/insurers. Its portfolio spans credit consolidation (rachat/regroupement de crédits), real estate mortgage brokerage (crédit immobilier), borrower insurance (assurance emprunteur), and individual health insurance (mutuelle santé). Customers simulate online, upload documents, and are routed to partner institutions for final underwriting and policy issuance.
Product overview
Ymanci is a multi-brand financial services platform operated by the Premista Group through three subsidiaries: PremiDirect (credit consolidation and health insurance), Premimmo (real estate mortgages), and PremiServices (borrower insurance). The core offering consists of four main products: Ymanci Regroupement de Crédits (debt consolidation), Ymanci Crédit Immobilier (mortgage financing), Ymanci Assurances (borrower insurance), and Ymanci Mutuelle Santé (complementary health insurance). Supporting these are digital tools including simulators, rate monitors, and the Garantie du Meilleur Taux (best rate guarantee), all tied together through personalized advisor guidance. Founded in 1999, the company operates across 135 agencies in France with 500 expert advisors, serving as an intermediary between clients and banking/insurance partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Regroupement de Crédits (Credit Consolidation) Aggregation and restructuring of existing consumer and/or mortgage loans into a single credit for French individual borrowers, brokered via Ymanci Regroupement de Crédits with partner banks.
- Crédit Immobilier (Mortgage Brokerage) Real estate mortgage brokerage for French individual borrowers, intermediating between the customer and partner lenders for purchase, remortgage, or new financing, offered under the Ymanci Crédit Immobilier DBA brand.
- Assurance Emprunteur (Borrower Insurance) Borrower insurance brokerage (assurance emprunteur) for French individual borrowers, intermediating between the customer and partner insurers to cover mortgage/loan life and disability cover, offered under the Ymanci Assurances DBA brand.
- Mutuelle Santé (Health Insurance) Complementary individual/family health insurance brokerage (mutuelle santé) for French residents, intermediating between the customer and partner health insurers, offered under the Ymanci Mutuelle Santé DBA brand.
Quantifiable outcome
- Monthly payment reduction of up to 60% through credit consolidation
- +4 more outcomes
Companies that use Ymanci
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles2 records
Ymanci technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Ymanci partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered major, standard and supporting.
- Swiss LifemajorSwiss Life is an insurance partner providing loan insurance and wealth protection products distributed through Ymanci's insurance brokerage operations.
- AxamajorAxa Banque is an insurance and banking partner whose products are distributed through Ymanci's intermediary network for credit and insurance needs.
- AprilmajorApril is an insurance partner specializing in health insurance and loan insurance products distributed through Ymanci's brokerage network.
- ApiviamajorApivia is an insurance partner providing health insurance and loan insurance solutions distributed through Ymanci's intermediary network.
- AlptismajorAlptis Assurances is an insurance partner distributing health insurance products through Ymanci's brokerage services.
- Malakoff HumanismajorMalakoff Humanis is a major insurance partner providing complementary health insurance solutions distributed through Ymanci's network.
- Solly AzarstandardSolly Azar is an insurance partner distributing auto, home, and health insurance products through Ymanci's intermediary services.
- SPVIE AssurancesstandardSPVIE Assurances is an insurance partner providing specialized insurance solutions distributed through Ymanci's brokerage network.
- NéolianestandardNéoliane is an insurance partner distributing health and personal protection insurance products through Ymanci's intermediary services.
- ZenioostandardZenioo is an insurance partner whose products are distributed through Ymanci's insurance brokerage operations.
- Powens (Budget Insight)supportingPowens (formerly Budget Insight) provides banking data aggregation services enabling Ymanci to securely access customer bank account information for financial analysis during credit application processing.
- VidatasupportingVidata provides video-based pre-analysis services for customer budget situations, generating automated video restitutions that help customers understand their financial position during the credit consultation process.
- SkapanésupportingSkapané provides automated document processing technology enabling Ymanci to efficiently process and analyze customer documents submitted during credit applications.
Scale indicators6 records
Recent moves5 records
Expansion highlights4 records
Ymanci competitors and assessment
Company assessmentBroad incumbents
- Cofidis: Large French consumer credit subsidiary of Crédit Mutuel; competes in credit consolidation and personal loans, but as a direct lender with broader product portfolio rather than a pure broker.
- Crédit Agricole Consumer Finance: Consumer credit arm of Crédit Agricole group offering personal loans and credit consolidation products; relevant comparable as both a Ymanci partner and a competitor in direct lending.
- BNP Paribas Personal Finance (Cardif): Major French consumer credit and insurance provider that is simultaneously a Ymanci partner and a competitor at the lending level; comparable as the dominant institutional player in the markets Ymanci intermediates.
Direct peers
- ACE Crédit: French credit broker specializing in credit consolidation and mortgage refinancing, with regional agency network; closely comparable to Ymanci's regroupement de crédits and credit immobilier offerings.
- Vousfinancer: French mortgage and credit broker with a network of local agencies and partner banks; competes head-on with Ymanci in real-estate credit, credit consolidation, and insurance delegation across France.
- Meilleurtaux: Leading French credit and insurance broker (Meilleurtaux, Meilleurtaux Assurances) operating nationwide, directly comparable to Ymanci in mortgage brokerage, credit consolidation, and insurance intermediation with similar multi-channel distribution.
Emerging players
- Younited Credit: French online consumer lending platform that both lends directly and appears as a Ymanci partner; partial overlap in credit consolidation and a structural threat as a direct-to-consumer alternative.
- Pretto: Online-first French mortgage broker with a tech-led advisor model; overlapping in mortgage brokerage and partial overlap in credit consolidation, representing the digital-native threat to traditional brokers like Ymanci.
Others
- Regroupement de Crédits (broker market): Adjacent: Other specialist French credit consolidation brokers (e.g., Boursorama credit brokerage offers, Créditlift) operate in the same sub-niche as Ymanci's regroupement de crédits business.
- Magnolia / April (insurance brokerage): April is a major French insurance broker that is also a Ymanci partner; comparable for borrower insurance and health insurance brokerage where they overlap as both supplier and adjacent intermediary.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Ymanci social profiles
Digital presenceYmanci compliance and trust
Trust signalCompliance5 records
Ymanci financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ymanci leadership team
Management profileNumber of profiles
Profiles4 records
Ymanci funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ymanci 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 Ymanci
What does Ymanci do?
Ymanci is a French retail credit and insurance broker that intermediates between individual consumers and partner banks/insurers. Its portfolio spans credit consolidation (rachat/regroupement de crédits), real estate mortgage brokerage (crédit immobilier), borrower insurance (assurance emprunteur), and individual health insurance (mutuelle santé). Customers simulate online, upload documents, and are routed to partner institutions for final underwriting and policy issuance.
Is Ymanci a public or private company?
Ymanci is a private company. It is classified as corporate owned and is currently operating.
When was Ymanci founded?
Ymanci was founded in 1999. It employs 251 to 500 people.
Where is Ymanci based?
Ymanci is headquartered in Gondreville, France, in the Europe region.
How does Ymanci make money?
Three revenue lines are on record. Brokerage Commissions - Credit Operations are the primary driver. The others are insurance Brokerage Commissions and free Customer Services with Commission-Based Model.
Who are Ymanci's main competitors?
Broad incumbents on record are Cofidis, Crédit Agricole Consumer Finance and BNP Paribas Personal Finance (Cardif). Direct peers are ACE Crédit, Vousfinancer and Meilleurtaux. Emerging players are Younited Credit and Pretto. Others are Regroupement de Crédits (broker market) and Magnolia / April (insurance brokerage).
Does Ymanci have an API?
No public API is recorded for Ymanci.
What industry is Ymanci in?
Ymanci's product category is Credit and Insurance Brokerage. Its primary akta.pro industry code is FSAEAFAI, Collections & Creditor Negotiation Support (Debtor-Side), with a secondary code of FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 522310 and its SIC code is 6163.