AB Courtage
AB Courtage is a French mortgage and credit brokerage firm operating a 20+ agency franchise network across France, wholly-owned by Groupe ASSU 2000. It serves individual property buyers, business owners, and credit consolidation seekers with six credit products, earning revenue exclusively through bank commissions.
- Company typePrivate
- Founded2003
- HeadquartersBobigny, France
- Headcount101–250
- GTM typeB2C
- OfferingServices
What AB Courtage does
AB Courtage is a French mortgage brokerage and credit intermediation firm operating as a wholly-owned subsidiary of Groupe ASSU 2000, France's largest insurance brokerage network. Founded in 2003 and headquartered in Montreuil (Seine-Saint-Denis), the company operates through a franchise network of 20+ independent agencies spread across seven French regions including Île-de-France, Nouvelle-Aquitaine, Occitanie, Grand Est, Pays de la Loire, Hauts-de-France, and Provence-Alpes-Côte d'Azur. It is registered with ORIAS (number 12 067 184) as a Courtier en Opérations de Banque et Services de Paiement (COBSP) and Courtier en Opérations d'Assurance (COA), and is subject to ACPR prudential supervision.
The company offers six core products: Crédit Immobilier (mortgage loans), Rachat de crédits (credit consolidation), Crédit professionnel (business loans), Crédit consommation (consumer credit), Crédit travaux (renovation loans), and Assurance de prêt (loan insurance brokerage). Its primary customer segment is individual property buyers seeking financing for primary residences, secondary residences, or rental investments, with secondary segments in business owners and credit consolidation seekers. Service delivery follows a standardized process: free simulation, 24-hour callback commitment, bank negotiations on the client's behalf, and accompaniment through property compromise to notary fund disbursement.
The business model is purely commission-based: French consumer protection law (art. L321-2 Code de la consommation) prohibits charging any fees to individual borrowers before a loan is obtained, so AB Courtage earns exclusively from commissions paid by partner banks and insurance companies. The firm uses standard CRM tools, loan simulation calculators, and banking software rather than a proprietary technology platform, and franchisees benefit from national bank partnerships, training, IT tools, and brand support under the franchise model. Headcount is reported at 101-250 employees; revenue is not publicly disclosed.
AB Courtage firmographics
Firmographics- Name
- AB Courtage
- Legal name
- AB COURTAGE
- Website
- https://abcourtage.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- AB Courtage is a French mortgage and credit brokerage firm operating a 20+ agency franchise network across France, wholly-owned by Groupe ASSU 2000. It serves individual property buyers, business owners, and credit consolidation seekers with six credit products, earning revenue exclusively through bank commissions.
- Ownership category
- akta.pro rank
AB Courtage industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industry
- Commercial Mortgage Brokerage (FSAEAEAB)
Keywords
Where AB Courtage is headquartered
LocationHeadquarters
- HQ city
- Bobigny
- HQ country
- France
- HQ region
- Europe
Offices19 records
Markets served
AB Courtage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Commission-based brokerage fees from banking partners: AB Courtage earns commissions from partner banks and financial institutions for bringing them loan business. Under French regulation (art. L321-2 Code de la consommation), no fees can be charged to customers before obtaining a loan. Revenue is generated exclusively from bank commissions negotiated through the brokerage relationship.
Go-to-market motion2 records
Distribution channels1 record
Marketing channels3 records
AB Courtage product offering
Product offeringCore offering
AB Courtage is a French mortgage brokerage that negotiates loan terms with partner banks on behalf of clients seeking property financing. The company offers mortgage loans (Crédit Immobilier), credit consolidation (Rachat de crédits), professional credit, consumer loans, renovation loans, and loan insurance. Services are delivered free of charge to borrowers, with compensation received through commissions from partner banks, in compliance with French consumer protection law (art. L321-2 Code de la consommation).
Product overview
AB Courtage operates as a unified mortgage brokerage and credit consolidation service platform. The company offers six core services: Crédit Immobilier (mortgage loans), Rachat de crédits (credit consolidation), Crédit professionnel (business loans), Crédit consommation (consumer loans), Crédit travaux (renovation loans), and Assurance de prêt (loan insurance). These services are delivered through a national franchise network across France, with the core value proposition being negotiated financing rates and terms through partnerships with major banking institutions. The company belongs to the ASSU 2000 Group, France's largest insurance brokerage network.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit Immobilier (Mortgage Loan) Mortgage loan brokering service that negotiates with partner banks to help clients obtain financing for purchasing primary residences, secondary residences, or rental investment properties. The service optimizes rate, duration, payment flexibility, early repayment conditions, borrower insurance, guarantees, file fees, and tax advantages.
- Rachat de crédits (Credit Consolidation)
- Crédit professionnel (Professional Credit)
- Crédit consommation (Consumer Credit)
- Crédit travaux (Renovation Loan)
- Assurance de prêt (Loan Insurance)
Companies that use AB Courtage
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
AB Courtage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AB Courtage partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Major French banks and insurance companiescoreNational partnerships signed with major banks and insurers that provide AB Courtage with preferential loan terms to offer customers. These partnerships give AB Courtage an advantage in financing solutions for private clients seeking mortgage loans.
- Banking partners (Nantes agency)coreThe Nantes agency page shows logos of multiple banking partners who work with AB Courtage to provide loan products to customers. These partnerships enable the brokerage to offer competitive rates across multiple lenders.
- ASSU 2000 GroupcoreAB Courtage is a subsidiary of ASSU 2000, the first network of insurance brokers in France. This parent company relationship provides brand strength, operational infrastructure, hosting services (ASSU 2000 PARTICIPATIONS), and access to broader financial services expertise.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
AB Courtage competitors and assessment
Company assessmentDirect peers
- Meilleurtaux: One of France's leading mortgage brokerage networks, helping individual borrowers compare and negotiate home loan offers across partner banks. Directly competes with AB Courtage in residential mortgage brokerage through a national agency footprint and online channels.
- CAFPI: France's largest mortgage broker by volume, with a national agency network brokering residential loans, credit consolidation, and insurance. Operates a similar franchise/agency-led model to AB Courtage and competes head-to-head for the same individual borrower segment.
- Pretto: Online-first French mortgage broker offering rate comparisons, application management, and bank negotiation digitally. Targets the same individual borrower customer as AB Courtage but competes primarily on digital experience and lower cost-to-serve rather than physical agency presence.
- Hello Prêt: French digital mortgage broker focused on purchase, refinance, and investment property loans with a strong online acquisition model. Competes with AB Courtage for the same borrower profile, particularly for customers comfortable with online channels rather than in-person agency visits.
- Solutis: French credit consolidation (rachat de crédits) specialist broker, one of the main players in the rachat segment AB Courtage also serves. Directly comparable on product focus and intermediary business model for borrowers seeking to restructure existing debt.
- Magnolia: French brokerage specialized in credit consolidation, debt renegotiation, and mortgage services for individuals. Competes with AB Courtage's Rachat de crédits and Crédit Immobilier product lines for the same borrower financial-restructuring use case.
- Artemis Courtage: Independent French mortgage and credit brokerage operating through regional agencies. Directly competes with AB Courtage's franchise model in core residential and credit consolidation segments, with a comparable intermediary business model.
Emerging players
- Younited Credit: France-based online consumer and mortgage credit platform operating its own lending book in addition to intermediation. Overlaps with AB Courtage on consumer and renovation loans and increasingly on mortgage brokerage, though differentiated by a direct-lending model.
Broad incumbents
- Boursorama Banque: Leading French online bank offering mortgage products directly alongside deposit, savings, and brokerage services. Competes with AB Courtage at the distribution layer by enabling self-directed mortgage applications, bypassing the broker intermediary.
- Cofidis: Major French consumer credit provider offering personal loans, renovation financing, and credit consolidation with both direct and partner distribution. Overlaps with AB Courtage's Crédit consommation, Crédit travaux, and Rachat de crédits products through its own brand channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
AB Courtage social profiles
Digital presenceAB Courtage compliance and trust
Trust signalCompliance2 records
AB Courtage financial estimates
Financial estimateRevenue estimate
Valuation estimate
AB Courtage leadership team
Management profileNumber of profiles
Profiles3 records
AB Courtage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AB Courtage 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 AB Courtage
What does AB Courtage do?
AB Courtage is a French mortgage brokerage that negotiates loan terms with partner banks on behalf of clients seeking property financing. The company offers mortgage loans (Crédit Immobilier), credit consolidation (Rachat de crédits), professional credit, consumer loans, renovation loans, and loan insurance. Services are delivered free of charge to borrowers, with compensation received through commissions from partner banks, in compliance with French consumer protection law (art. L321-2 Code de la consommation).
Is AB Courtage a public or private company?
AB Courtage is a private company. It is classified as corporate owned and is currently operating.
When was AB Courtage founded?
AB Courtage was founded in 2003. It employs 101 to 250 people.
Where is AB Courtage based?
AB Courtage is headquartered in Bobigny, France, in the Europe region.
How does AB Courtage make money?
One revenue line is on record: commission-based brokerage fees from banking partners.
Who are AB Courtage's main competitors?
Direct peers on record are Meilleurtaux, CAFPI, Pretto, Hello Prêt, Solutis, Magnolia and Artemis Courtage. Younited Credit is listed as an emerging player. Broad incumbents are Boursorama Banque and Cofidis.
Does AB Courtage have an API?
No public API is recorded for AB Courtage.
What industry is AB Courtage in?
AB Courtage's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 522310 and its SIC code is 6163.