What Siko Mobility does

Siko Mobility (legal entity SIKO FS, SAS) is a Paris-based B2B2C fintech founded in 2022 by former Roland Berger consultants Tristan d'Halluin and Ronan de Bellecombe. The company operates a credit- and insurance-brokerage platform that consolidates a single customer financing application across 10 partner banks (FLOA, Sofinco, Cetelem, Cofidis, BNP Paribas, and others) and 5 insurance partners, using a routing algorithm to match each applicant to the bank most likely to approve. Siko holds a COB (courtier en opérations de banque) registration directly and a COA (courtier en opérations d'assurances) registration via its affiliated PATINETTE entity (ORIAS 19 004 124), both supervised by the ACPR.

Its product surface spans three integrated offerings: Financement (BNPL via FLOA for 3x, 4x, and 10x payments up to €5,500, plus consumer credit and leasing — LOA, LLD, Credit-Bail — from 12 to 84 months), Assurance (third-party or all-risk coverage from 5 partner insurers), and a proprietary Garantie (no-cap, no-deductible, transferable breakdown warranty). Distribution operates through two parallel portals: an Espace Client self-serve interface and an Espace Marchand dealer portal, plus a universal HTML widget that merchants embed on their own e-commerce sites so customers can initiate financing without leaving the merchant page. The company currently serves hundreds of independent French mobility dealers and acts as captive financing partner for manufacturers and importers including Piaggio, NIU, Silence, Segway, CFMOTO, Royal Enfield, Benelli, Stromer, and Fantic.

Siko's revenue model is transactional: it earns brokerage commissions embedded in monthly financing payments (via its COB intermediation) and insurance/warranty commissions (via its COA intermediation through PATINETTE). Merchants earn €20 per 3x/4x/10x transaction and a minimum 1% commission on 12-60 month financings. The platform is geographically restricted to France (metropolitan and DOM) and is operationally housed in Station F, Paris, where the company represents the Banque et Mobilité ecosystem alongside BNP Paribas and Mobilians. The founding capital is €15,000 and the named team of Sikonautes numbers approximately 12 across sales, business development, retail, technology, and design functions.

Name

Siko Mobility

Legal name

SIKO FS, société par actions simplifiée

Website

https://sikomobility.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Siko Mobility is a Paris-based fintech founded in 2022 that operates a B2B2C credit-and-insurance brokerage platform aggregating 10 French banks and 5 insurers to offer BNPL, consumer credit, leasing, and warranty products to buyers of light mobility vehicles (scooters, motorcycles, e-bikes, quads) through embedded dealer integrations and a captive network of vehicle manufacturers.

Ownership category

akta.pro rank

Product category

Mobility Financing Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Cross-Border Payment Orchestration & Routing (FSAGAKAJ)

Keywords

• Mobility financing
• Vehicle insurance brokerage
• Consumer credit services
• BNPL solutions
• Dealer fintech platform

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financing brokerage commissions: Siko acts as a credit intermediary (COB — courtier en opérations de banque), submitting customer financing requests to its panel of bank partners. Revenue is earned through fees included in the monthly financing payments, representing a margin on the credit agreement. Also earns commissions on BNPL payments processed through FLOA.
2. Insurance and warranty distribution: Siko acts as an insurance broker (COA — courtier en opérations d'assurances) via its affiliated entity PATINETTE. Earns commissions from insurance and warranty products distributed alongside financing (loss financial insurance, borrower insurance, breakdown warranty). Commissions are included in insurance premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Siko Mobility is a French fintech brokerage platform that aggregates financing, insurance, and breakdown warranty services for the personal mobility vehicle market (motorcycles, scooters, e-bikes, quads). The platform routes each customer application to one of 10 partner banks via a proprietary matching algorithm, and distributes insurance and warranty through 5 partner insurers via its affiliated entity PATINETTE. It serves end consumers directly and mobility dealers through a white-label e-commerce widget and a dedicated merchant dashboard.

Product overview

Siko Mobility is a fintech platform that offers three integrated services — Financement (Financing), Assurance (Insurance), and Garantie (Breakdown Guarantee) — to facilitate vehicle purchases. Customers access the services through the online Espace Client portal, while merchant partners use the Espace Marchand portal and can embed the e-commerce module widget on their own websites. The core offering is a brokerage platform that submits financing requests to a panel of 10 partner banks and insurance to 5 partner insurers, alongside a proprietary breakdown guarantee.

Differentiator

Problem solved

Functional benefit

Brands

• PATINETTE: Trading name used for ORIAS registration and regulatory compliance. Patinette is the registered insurance and banking intermediary name under which Siko Mobility is immatriculated at ORIAS (n° 19004124).

Products and services

• Financement (Vehicle Financing) A credit brokerage service that submits a single customer application to a panel of 10 partner banks to obtain financing from 3 to 84 installments (BNPL 3x/4x/10x, consumer credit, or leasing LOA/LLD/Credit Bail) for the purchase of personal mobility vehicles.
• Assurance (Vehicle Insurance) An insurance brokerage service offering third-party liability or comprehensive coverage for personal mobility vehicles, distributed through 5 partner insurers at negotiated rates.
• Garantie (Breakdown Warranty) A breakdown warranty covering parts and labor repairs at the customer's chosen garage, with no financial cap, no commitment period, no deductible, and transferability on resale.
• Module e-commerce (E-commerce Integration Widget) A universal HTML widget that mobility merchants embed on their product pages, allowing customers to initiate a financing request without leaving the merchant's website. Pre-populated with store name, vehicle type, brand, model, and price; works with all CMS platforms.

Quantifiable outcome

• 4.9/5 Google Reviews rating based on customer testimonials
• +2 more outcomes

Named customers14 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• PATINETTE (insurance broker entity)coreStrategic or Co-development PartnerPATINETTE is the affiliated insurance brokerage entity through which Siko distributes insurance and warranty products. PATINETTE holds COA registration (ORIAS no. 19 004 124) and is supervised by ACPR. It is controlled by the same principals as Siko FS.
• Station FcoreStrategic or Co-development PartnerStation F is the world's largest startup campus in Paris, where Siko Mobility is hosted. Siko was selected to represent the Banking and Mobility ecosystem within Station F's accelerator program.
• MobilianscoreStrategic or Co-development PartnerMobilians is the French professional automotive trade union. Siko is hosted in Mobilians' incubator at Station F alongside BNP Paribas. Mobilians supports automotive professionals and has partnered with Siko to promote digital financing solutions.
• Plug and PlayminorStrategic or Co-development PartnerListed as a sponsor and ecosystem partner of Siko Mobility. Plug and Play operates mobility and fintech accelerator programs globally.
• MoovelabminorStrategic or Co-development PartnerListed as a sponsor and ecosystem partner. Moovelab is a mobility innovation lab associated with Daimler/Geely, focused on urban mobility solutions.
• bivwakminorStrategic or Co-development PartnerListed as a sponsor and ecosystem partner. bivwak is a French mobility-related startup ecosystem player.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Meilleurtaux: Long-established French credit and insurance intermediary that matches customers to multiple bank and insurer partners. Structurally analogous broker model to Siko (COB/COA-like role) but focused on mortgage, consumer credit, and insurance rather than mobility-specific dealer financing.
• Alma: French BNPL provider operating a B2B2C model where merchants embed pay-in-installments at checkout. Closely comparable to Siko's BNPL product (3x/4x/10x) and embedded-widget distribution, though Alma serves a broader range of merchant verticals rather than mobility specialists.
• Younited Credit: French consumer credit marketplace that aggregates multiple lenders on a single application. Structurally analogous to Siko's multi-bank matching model, but Younited operates at much larger scale, across broader consumer credit categories, and as a direct-to-consumer platform rather than dealer-embedded.
• Pretto: French online credit broker that intermediates mortgage and consumer credit applications between borrowers and multiple bank partners. Shares Siko's core brokerage/intermediation DNA and multi-bank matching logic, but operates in mortgage rather than mobility retail.
• October: European lending marketplace connecting borrowers to multiple institutional lenders via a digital platform. Comparable marketplace/intermediation model to Siko's multi-bank credit aggregation, though October focuses on SME lending rather than consumer mobility credit.
• Pledg: French BNPL B2B2C platform targeting merchants. Shares Siko's core mechanism (merchant integration, instant installment decisions via partner banks) and target customer profile (independent merchants seeking to lift conversion), but Pledg focuses on travel and large-ticket retail rather than mobility.

Emerging players

• Floa Bank: FLOA Bank is both Siko's BNPL technology partner (powers Siko's 3x/4x/10x instant products) and a direct competitor offering similar BNPL/credit products to merchants. Comparable business model with broader merchant coverage and deeper balance-sheet capability than Siko.
• Cofidis (consumer credit) - already listed; replace with: Linxo: French personal finance management platform aggregating bank accounts and transactions. Adjacent fintech operating in French retail financial services consumer space; weaker direct overlap with Siko's credit brokerage, but shares the French fintech infrastructure and consumer audience context.

Broad incumbents

• Cofidis: One of France's largest consumer credit lenders (Crédit Mutuel group) and an active Siko banking partner. Competes with Siko at the underlying credit provision layer while also serving as supply to Siko's aggregator; structurally a bank-and-broker incumbent in the same French consumer credit market.
• Oney: Major French BNPL and consumer credit provider (Banque Accord group) with significant scale, regulated bank status, and broad merchant coverage including automotive. Overlaps with Siko on BNPL and consumer credit offerings but at much larger scale and across many verticals beyond mobility.

Market position

Strengths5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/siko_mobility
• LinkedInlinkedin.com/company/siko-mobility

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Siko Mobility