Creafin

What Creafin does

Creafin NV is an independent Belgian mortgage financing provider headquartered in Lier, Belgium, founded in 1995 (originally as Campifina). The company offers three core mortgage products: Prime (financing for first-time homebuyers, up to 105% of property value including associated costs in certain cases), Solutions (flexible financing for applications that fall outside traditional banking criteria, including interest-only bullet loans and bridge financing), and Portfolio (real estate investment financing for companies purchasing property through corporate structures). Its core technology is the Creanet 2.0 online platform, used by credit brokers to submit, track, and manage loan applications. Creafin also operates Creafin Credits, a non-bank lending platform launched in 2021 that funds loans through institutional investors alongside its own balance sheet.

Creafin generates revenue primarily through interest income on mortgage and investment loans extended to private individuals, companies, and property investors. It is regulated by FSMA and FOD Economie under Book VII of the Code of Economic Law, holds official Belgian credit-provider recognition (since 2017), and is a Febelfin member. The company distributes exclusively through a network of 650 independent, FSMA-regulated credit brokers operating across Belgium, supported by Creafin's own account managers — a B2B2C model in which brokers handle client-facing interaction and Creafin focuses on assessment, approval, and portfolio management. Institutional investors are a separate counterparty set served via the Creafin Credits platform.

In 2024, Australian bank Macquarie acquired a stake in Creafin, providing capital backing and supporting growth through securitization transactions; in 2025, Belgian insurer Ethias followed as a shareholder, enabling cross-sell of insurance products alongside Creafin's mortgage offerings. The company has 11-50 employees and operates exclusively within Belgium, with no disclosed international expansion. Revenue, origination volumes, and ownership percentages are not publicly disclosed.

Name

Creafin

Legal name

Creafin NV

Website

https://creafin.be

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Creafin is an independent Belgian non-bank mortgage lender offering Prime, Solutions, and Portfolio mortgage products through a network of 650 FSMA-regulated credit brokers, serving private individuals, companies, and property investors across Belgium.

Ownership category

akta.pro rank

Product category

Non-Bank Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

CRE Bridge & Transitional Lending (FSALADAC), Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Belgian mortgage lending
• Non-bank residential financing
• Credit brokerage network
• Non-standard mortgage underwriting
• Corporate real estate financing

Headquarters

HQ city

Liers

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Interest Income: Creafin generates revenue through interest income on mortgage loans (hypothecaire kredieten) and investment loans (investeringskredieten) extended to private individuals, companies, and property investors. The company acts as an independent Belgian mortgage lender, providing tailored financing solutions through its broker network.
2. Institutional Investor Funding Platform: Through Creafin Credits platform, loans are funded by institutional investors, creating a non-banking lending model that diversifies funding sources and provides flexibility in the loan offering.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Creafin originates and funds Belgian residential mortgages and corporate real-estate investment loans (Prime, Solutions, Portfolio) and distributes them exclusively via a nationwide network of 650 independent FSMA-regulated credit brokers. It also runs the Creafin Credits platform, in which institutional investors fund selected loans, and the Creanet 2.0 broker-facing tool used to submit and track applications.

Product overview

Creafin is an independent Belgian mortgage financing provider offering three tailored mortgage products: Prime for first-time homebuyers, Solutions for complex cases outside traditional banking criteria, and Portfolio for real estate investment through companies. The company operates through a network of 650 independent FSMA-regulated credit brokers and offers the Creanet 2.0 platform for broker dossier management. Solutions includes specialized options like interest-only (bullet) loans and bridge financing.

Differentiator

Problem solved

Functional benefit

Brands

• Creafin Credits: A non-bank lending platform launched in 2021 where financing solutions are funded through institutional investors, providing additional flexibility within the financing offering for credit brokers.

Products and services

• Prime Mortgage financing solution for first-time homebuyers purchasing their first and only home. Offers stable conditions and can finance up to 105% of property value including associated purchase costs.
• Solutions Flexible mortgage financing for applications that fall outside traditional banking criteria. Offers tailored solutions including interest-only (bullet) loans and bridge financing for complex personal situations.
• Portfolio Real estate investment financing for companies investing in property through corporate structures. Enables leveraging equity in existing properties to expand rental property portfolios with a focus on long-term rental income and returns.
• Creafin Credits Non-bank lending platform launched in 2021 under which mortgage loans originated by Creafin are funded through institutional investors, providing additional funding flexibility within the financing offering available to credit brokers and serving institutional investors seeking exposure to the Belgian residential mortgage market.

Quantifiable outcome

• Up to 105% financing possible for purchase-related costs in certain cases
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• FSMA (Financial Services and Markets Authority)coreOthersCreafin operates as an FSMA-regulated credit provider in hypothecair krediet and as an insurance agent, subject to FSMA supervision. The regulatory relationship ensures compliance with Belgian mortgage lending regulations under Book VII of the Code of Economic Law.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Belfius Bank: Major Belgian bank with a large mortgage lending franchise distributed partly through brokers. Directly comparable as a Belgian mortgage originator serving the same borrowers, but operates as a full-service bank rather than a specialised non-bank lender.
• BNP Paribas Fortis: Largest Belgian mortgage lender and full-service bank. Comparable in product (residential and investment mortgages) and target segments, but with much broader balance-sheet scale and a multi-channel distribution model.
• ING Belgium: Belgian arm of ING Group with a substantial mortgage book and broker-distributed products. Comparable in mortgage product scope (purchase, refinance, investment) but is a full-service bank rather than a non-bank specialist.
• Argenta Belgium: Belgian savings and mortgage bank focused on retail residential mortgages. Comparable as a Belgian mortgage provider serving individual borrowers, but operates as a chartered bank with deposit funding rather than a broker-mediated non-bank model.
• Crelan: Belgian cooperative bank with a mortgage offering distributed through independent agents and brokers. Comparable in broker-mediated mortgage origination and Belgian retail focus, though larger and bank-chartered.
• NIBC Bank: Dutch non-bank specialist lender with residential mortgage and CRE origination capabilities. Comparable as a non-bank mortgage lender, though with broader product scope and larger balance sheet than Creafin.

Direct peers

• VDH Hypotheken (Van de Putte): Benelux mortgage intermediary working with multiple lenders. Comparable to Creafin's broker-network business model of routing non-standard mortgage applications to non-bank lenders, but operates as an intermediary rather than a credit provider.
• Hypotrust: Dutch non-bank mortgage service provider and originator working through a broker/advisor channel. Closely comparable to Creafin's non-bank, broker-mediated mortgage model, though focused on the Dutch market.
• Obvion: Dutch non-bank residential mortgage originator and servicer, distributed through a broad intermediary network. Comparable in non-bank, intermediary-distributed mortgage origination, though operating in the Netherlands.

Others

• Quion: Large Dutch mortgage services provider handling origination processing and back-office services for lenders. Comparable ecosystem role to Creanet 2.0, but as a third-party BPO/tech provider rather than a competing credit provider.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/creafin
• LinkedInlinkedin.com/company/creafin

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

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 Creafin