ARTEMIS COURTAGE

Name

ARTEMIS COURTAGE

Legal name

Artémis Courtage

Website

https://artemiscourtage.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Offices of Real Estate Agents and Brokers (531210), Offices of Real Estate Agents and Brokers (53121)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Mortgage brokerage
• Credit consolidation
• Loan refinancing
• Borrower insurance
• Wealth advisory

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices27 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage and loan brokerage commissions: Artémis Courtage earns commissions from banking partners (80+ partner banks) when loans are successfully placed. These fees are typically paid by the lending bank, not the borrower. For new-build real estate brokerage, fees are paid by developer partners with no surcharge to the client.
2. Insurance and related product referrals: Following the Odealim acquisition (August 2021), Artémis Courtage cross-sells insurance products (creditor insurance, rent guarantee via Cautioneo, property insurance) with commissions generated on policy placements.
3. Artémis International - non-resident financing advisory: A dedicated team for expatriates and non-residents seeking French property financing, generating fees through the same loan placement commission structure.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Artémis Courtage is a French mortgage and credit brokerage intermediary that connects individual and professional clients with 80+ banking partners to arrange real estate financing, credit consolidation, loan refinancing, borrower insurance, professional loans, wealth management advisory, and new-build property purchases. Revenue is generated primarily through commissions paid by lending banks and developer partners rather than direct client fees. Distribution combines 100+ physical agencies across France, a website with online simulators, and remote advisory (phone, email, video).

Product overview

Artémis Courtage operates as an omnichannel mortgage and financial brokerage platform offering a portfolio of interconnected services centered on real estate financing. The core offering spans mortgage brokerage (Crédit Immobilier), credit consolidation (Regroupement de Crédits), loan refinancing (Rachat de Crédit), loan insurance (Assurance de Prêt), and professional financing. Adjacent services include Gestion Privée (wealth advisory) and Courtage en Immobilier Neuf (new-build property brokerage). A dedicated sub-product, Artémis International, extends services to non-resident and expatriate buyers. The group also distributes third-party rental guarantee insurance (Assurance Loyers Impayés via Cautioneo partnership). A suite of digital simulator tools (mortgage calculator, PTZ eligibility, notary fees, amortization table) complements the advisory services. The company operates 100 physical agencies across France with 80+ banking partners, augmented by online and video-based remote services.

Differentiator

Problem solved

Functional benefit

Brands

• Artémis International: Dedicated division for international financing serving French expatriates and foreign residents seeking to purchase property in France

Products and services

• Crédit Immobilier (Mortgage Brokerage)
• Regroupement de Crédits (Credit Consolidation)
• Rachat de Crédit (Loan Refinancing)
• Assurance de Prêt (Borrower Insurance Brokerage)
• Financement Professionnel (Professional Financing)
• Gestion Privée (Private Wealth Advisory)
• Courtage en Immobilier Neuf (New-Build Property Brokerage)
• Artémis International (Non-Resident Financing)
• Cautioneo Rent Guarantee Insurance

Quantifiable outcome

• 340,000+ clients financed since founding in 2009
• +4 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and flagship.

• Avantage CourtagecoreStrategic or Co-development Partner · 15 September 2021Artémis Courtage acquired a majority stake in Avantage Courtage in September 2021. Avantage Courtage specializes in real estate credit brokerage and new property sales in France. The acquisition was intended to strengthen Artémis's position in the Paris region and expand its service offerings.
• OdealimflagshipStrategic or Co-development Partner · 31 August 2021Odealim, France's leading insurance brokerage group specializing in property insurance, acquired Artémis Courtage in August 2021. The acquisition aimed to build France's leading combined insurance and financing advisory group. Odealim brought its digital distribution capabilities while Artémis contributed its nationwide 90-branch physical network. Artémis continues to operate under its own brands (Artémis Courtage, Carte Financement, Gestion Privée, Rescue Finances, Valorama). Odealim is backed by TA Associates (since 2018) and Raise Investissement.
• 80+ Banking PartnerscoreOthersArtémis Courtage works with over 80 banking partners to negotiate the best financing conditions for its clients. These partner banks submit offers through Artémis's intermediary network, generating commission-based revenue for each successfully placed loan.
• CautioneocoreChannel Partner/ Reseller/ DistributorCautioneo is a rent guarantee insurance provider ranked #1 among comparators. Artémis Courtage resells Cautioneo's rent insurance products to its property investor clients, earning brokerage commissions. Cautioneo offers 100% rent guarantee, tenant dossier certification within 24 hours, and is backed by Sada Assurances, MNCAP, Allianz, Fidelidade, and Wakam insurance groups.
• Odealim (parent group - insurance partners)coreTechnology or IntegrationUnder the Odealim parent group, Artémis Courtage has access to a broader ecosystem of insurance partners including Sada Assurances, MNCAP, Allianz, Fidelidade, and Wakam (ex La Parisienne Assurances), collectively covering 225,000+ insured lots.
• Property Developers (Promoteurs)coreChannel Partner/ Reseller/ DistributorArtémis Courtage partners with property developers (promoteurs) for its new-build brokerage division. Developers pay Artémis's brokerage fees, allowing the company to offer no direct cost to clients. Partners include major French property developers shown in the new-build section's partner logos.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Emerging players

• Pretto: Digital-native French mortgage broker that has scaled rapidly with a pure-online model, competing with Artémis for the same borrowers through a lower-cost digital experience.
• Younited Credit: French consumer credit platform with proprietary lending and brokerage, an adjacent peer in the credit intermediation space with overlap on personal loan and refinancing products.
• Magnolia (formerly Magnolia.fr): French digital mortgage broker with an agency and online hybrid model, overlapping with Artémis on residential mortgage intermediation for individual borrowers.

Direct peers

• Vousfinancer: French mortgage broker with both agency and digital channels, offering a directly comparable mortgage intermediation proposition to Artémis's hybrid model.
• ACE Crédit: French mortgage and credit brokerage network with multiple physical branches and bank partnerships, broadly comparable to Artémis in target market and service mix.
• BoursedesCrédits: Online-first French mortgage and credit consolidation broker, directly comparable to Artémis's mortgage and credit restructuring offerings though lighter on physical presence.
• CAFPI: Major French mortgage broker with a multi-branch network and multi-bank panel, directly competing with Artémis for residential mortgage brokerage volume.
• Meilleurtaux: One of France's largest mortgage broker networks with both physical branches and digital tools, directly comparable to Artémis in offering mortgage intermediation across a multi-bank panel.
• Cap Crédit: Franchise-based French mortgage broker network whose franchisees operate alongside Artémis's own agency network, directly comparable on branch-level economics and product mix.

Broad incumbents

• Odealim: Parent group of Artémis and a leading French insurance brokerage group; comparable as a broader insurance and financing advisory platform of which Artémis is the financing arm.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/artemiscourtage
• YouTubeyoutube.com/channel/UC5cw1mPVar-9YVngJXJswnQ
• LinkedInlinkedin.com/company/artemis-courtage
• Instagraminstagram.com/artemiscourtage

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries6 records

Funding overview

Funding rounds1 record

Investors1 record

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 ARTEMIS COURTAGE