Ymanci

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.

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

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

• Credit consolidation brokerage
• Mortgage brokerage services
• Borrower insurance brokerage
• Health insurance brokerage
• Loan refinancing services

Headquarters

HQ city

Gondreville

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core 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

Named customers1 record

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

13 partnerships are on record, tiered major, standard and supporting.

• Swiss LifemajorChannel Partner/ Reseller/ DistributorSwiss Life is an insurance partner providing loan insurance and wealth protection products distributed through Ymanci's insurance brokerage operations.
• AxamajorChannel Partner/ Reseller/ DistributorAxa Banque is an insurance and banking partner whose products are distributed through Ymanci's intermediary network for credit and insurance needs.
• AprilmajorChannel Partner/ Reseller/ DistributorApril is an insurance partner specializing in health insurance and loan insurance products distributed through Ymanci's brokerage network.
• ApiviamajorChannel Partner/ Reseller/ DistributorApivia is an insurance partner providing health insurance and loan insurance solutions distributed through Ymanci's intermediary network.
• AlptismajorChannel Partner/ Reseller/ DistributorAlptis Assurances is an insurance partner distributing health insurance products through Ymanci's brokerage services.
• Malakoff HumanismajorChannel Partner/ Reseller/ DistributorMalakoff Humanis is a major insurance partner providing complementary health insurance solutions distributed through Ymanci's network.
• Solly AzarstandardChannel Partner/ Reseller/ DistributorSolly Azar is an insurance partner distributing auto, home, and health insurance products through Ymanci's intermediary services.
• SPVIE AssurancesstandardChannel Partner/ Reseller/ DistributorSPVIE Assurances is an insurance partner providing specialized insurance solutions distributed through Ymanci's brokerage network.
• NéolianestandardChannel Partner/ Reseller/ DistributorNéoliane is an insurance partner distributing health and personal protection insurance products through Ymanci's intermediary services.
• ZenioostandardChannel Partner/ Reseller/ DistributorZenioo is an insurance partner whose products are distributed through Ymanci's insurance brokerage operations.
• Powens (Budget Insight)supportingTechnology or IntegrationPowens (formerly Budget Insight) provides banking data aggregation services enabling Ymanci to securely access customer bank account information for financial analysis during credit application processing.
• VidatasupportingTechnology or IntegrationVidata 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.
• SkapanésupportingTechnology or IntegrationSkapané 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

Broad 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

• YouTubeyoutube.com/@ymanciofficiel
• Facebookfacebook.com/Ymanciofficiel
• LinkedInlinkedin.com/company/ymanci
• Instagraminstagram.com/ymanci_officiel

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Ymanci