What Elantis does

Elantis is a Belgian consumer credit institution headquartered in Liège, operating as a wholly-owned subsidiary of the Belfius financial group. The company provides personal loans, renovation and energy-renovation loans, vehicle financing (cars, motorhomes, motorcycles), specialty loans (wedding, vacation, studies, home office), and mortgage products (both classic and light) to Belgian individuals and households. The product suite is broad, with loan amounts ranging from roughly €3,700 to €750,000 and APRs starting at 6.25% on preferential energy-renovation credit. Customers are served through a hybrid go-to-market model combining a digital self-service channel (online simulators and application forms in French and Dutch) and a nationwide physical distribution layer of more than 450 independent credit brokers.

Elantis earns revenue primarily through interest income on its loan portfolio. Pricing is unit-based, published as APRs and monthly payments on each product page, with credit decisions communicated within 24 hours of online application and funds disbursed within 48 hours of receiving a complete file. Beyond lending, the company monetizes its customer relationship through debt-balance insurance distributed via April Belgium, credit insurance from Atradius ICP, and identity-verification infrastructure managed with Trust1Team. Mortgage product data is processed in coordination with BNP Paribas Fortis for AML/CFT and transaction monitoring compliance.

The company operates with a lean internal team of 11–50 employees, sits under the Belfius parent for funding and governance, and is regulated under Book VII of the Belgian Economic Law Code and the Febelfin Codes of Conduct. Proprietary technology is not described; the platform consists of standard online simulation, application, and customer self-service components. Elantis positions itself on the combination of long-standing credit expertise (150 years of combined network experience), digital convenience, and physical broker reach across Belgium.

Name

Elantis

Legal name

Elantis SA

Website

https://elantis.be

Company type

Private

Founded year

1851

Operating status

Operating

Headcount range

11–50 employees

Short description

Elantis is a Belgian online consumer credit provider, subsidiary of Belfius Group, offering personal, renovation, energy, vehicle, specialty, and mortgage loans to individuals across Belgium via digital tools and 450+ independent brokers.

Ownership category

akta.pro rank

Headquarters

HQ city

Liège

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Personal Loans (Prêt à tempérament): Elantis earns interest income from instalment loans (prêt à tempérament) offered for personal projects, renovation works, vehicles, energy improvements, and other consumer purposes. Loans are repaid over fixed terms with interest rates that vary by product type and loan amount.
2. Interest Income on Mortgage Loans (Crédit hypothécaire): Elantis earns interest income from mortgage loans (crédit hypothécaire classique and crédit hypothécaire light) used for home purchases, construction, renovation, or investment purposes. These are larger-ticket, longer-duration loans with associated notary and administrative fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Elantis is a Belgian consumer credit provider offering personal loans, renovation and energy renovation loans, vehicle financing (cars, motorhomes, motorcycles), and mortgage products (classic and light) to individual borrowers across Belgium. Distribution combines online simulation and application tools with a network of more than 450 independent credit brokers (courtiers) who advise customers and finalize loan contracts.

Product overview

Elantis is a Belgian online credit company offering a comprehensive suite of loan products. The portfolio includes personal loans (Prêt personnel) ranging from €5,001 to €20,000 for various projects (vehicles, events, studies, home improvements); renovation loans (Prêt rénovation travaux) up to €50,000 for home improvements; energy renovation loans (Prêt rénovation énergie) from €7,500 at preferential rates from 6.25%; classic mortgage loans (Crédit hypothécaire) from €25,000 to €750,000; and light mortgage loans (Crédit Hypothécaire Light) from €10,000 to €75,000. Vehicle financing includes new and used car loans, private sale loans, motorhome loans, and motorcycle loans. Elantis operates throughout Belgium via a network of over 450 independent brokers and offers a secure online customer portal. The company emphasizes responsible lending practices and online simulation tools for loan calculation.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt personnel (Personal Loan) Personal instalment loan for Belgian individuals for projects such as purchases, family events, unexpected expenses, and leisure. Amounts range from €5,001 to €20,000, with monthly repayment.
• Prêt aménagement (Home Improvement Personal Loan) Personal loan variant for home furnishings, decoration, and moving costs, part of Elantis's consumer credit range for Belgian individuals.
• Prêt rénovation travaux (Renovation Loan) Renovation loan for Belgian homeowners for kitchen, sanitary, roofing, and extension projects. Amounts range from €7,501 to €50,000.
• Prêt rénovation énergie (Energy Renovation Loan) Energy renovation loan for heating systems, solar panels, and insulation, with preferential rates from 6.25% APR for energy efficiency works. Amounts from €7,500.01 to €50,000.
• Prêt piscine (Pool Loan) Pool financing loan for constructing swimming pools. Up to €50,000 with repayment periods up to 10 years.
• Prêt terrasse (Terrace Loan) Terrace construction loan. Up to €50,000 with repayment terms up to 10 years and funds credited within 24 hours.
• Prêt jardin (Garden Loan) Garden financing loan for outdoor space design. Up to €50,000 with rates from 6.5% APR over terms up to 10 years.
• Crédit hypothécaire (Classic Mortgage) Classic mortgage loan for home purchase, construction, renovation, or buy-to-let in Belgium. Amounts from €25,000 to €750,000, including notary and administrative fees.
• Crédit hypothécaire Light (Light Mortgage) Lightweight mortgage loan without land registry inscription, for garages, land, boats, and inheritance rights. Amounts from €10,000 to €75,000.
• Prêt family+ (Notary Fees Loan) Notary fees loan for property purchase, offered under Elantis's Family+ range for Belgian property buyers.
• Prêt copropriété (Co-ownership Renovation Loan) Co-ownership loan for collective works in condominium buildings, including shared solar panel installations and other building improvements.
• Prêt voiture neuve (New Car Loan) Loan for new vehicles. Amounts from €5,000 to €30,000.
• Prêt voiture occasion (Used Car Loan) Loan for purchasing used vehicles. Amounts from €5,000 to €30,000.
• Prêt voiture entre particuliers (Private-Sale Car Loan) Loan for purchasing vehicles directly from private sellers.
• Prêt mobilhome (Motorhome Loan) Loan for new or used motorhomes. Amounts from €3,701 to €30,000.
• Prêt moto (Motorcycle Loan) Loan for new motorcycles only.
• Prêt mariage (Wedding Loan) Loan for financing family events such as weddings.
• Prêt vacances (Vacation Loan) Loan for travel and holiday financing.
• Prêt études (Study Loan) Loan for education financing.
• Prêt bureau (Home Office Loan) Loan for home office equipment financing.
• Mon espace client (Customer Self-Service Portal) Secure online customer portal for managing and tracking existing credits via computer or smartphone, provided by Elantis to its borrower base.

Quantifiable outcome

• 96.4% of clients reported being satisfied with Elantis in 2024
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• Febelfin (Belgian Financial Sector Federation)minorStrategic or Co-development PartnerElantis is a member of Febelfin, the Belgian Federation of the Financial Sector. By joining Febelfin, Elantis adheres to the Febelfin Codes of Conduct, which govern responsible credit practices and consumer protection standards in Belgium.
• BNP Paribas FortisminorStrategic or Co-development PartnerFor mortgage credit products, Elantis transmits customer data to BNP Paribas Fortis, which acts as a data processor for identification, transaction monitoring, statistics, and compliance with anti-money laundering and counter-terrorism financing regulations. This is a data-processing partnership related to shared mortgage credit infrastructure.
• April BelgiumminorStrategic or Co-development PartnerApril Belgium is mandated to conclude and manage debt balance insurance (assurance solde restant dû) policies on behalf of Belfius Direct Assurances, providing credit protection products to Elantis customers.
• TrustUpminorStrategic or Co-development PartnerTrustUp is recommended by Elantis as a platform for finding certified building professionals (such as PEB certifiers and renovation contractors) for home renovation and energy efficiency projects that customers may seek to finance with Elantis loans.
• Independent Brokers/Courtiers (450+)coreChannel Partner/ Reseller/ DistributorElantis distributes its credit products through more than 450 independent credit brokers (courtiers) across Belgium. These brokers provide advisory services to customers, facilitate loan applications, and handle contract signing on behalf of Elantis.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Regional players

• bpost bank: bpost bank offers Belgian retail banking products including consumer credit and mortgages, distributed via the bpost post office network. Competitively adjacent to Elantis within Belgium though with a different distribution backbone.

Broad incumbents

• ING Belgium: ING Belgium offers consumer credit, mortgages, and vehicle loans to Belgian retail customers through its branch and digital channels, competing broadly with Elantis especially in personal loans and mortgages.
• Belfius Bank: Belfius Bank is Elantis's parent and Belgium's third-largest bank, offering consumer loans, mortgages, and renovation financing at scale. As Elantis's parent, it is both the structural enabler and a direct overlap in product offering.
• KBC Bank Belgium: KBC is one of Belgium's largest incumbent banks offering personal loans, mortgages, vehicle financing, and renovation loans across its branch and digital channels. Overlaps with Elantis's full product range but operates at much larger scale.
• Argenta Belgium: Argenta is a Belgian retail bank offering mortgages, personal loans, and renovation credit primarily through its branch network and partner brokers, partially overlapping with Elantis's broker-distributed model.

Direct peers

• Cofidis Belgium: Cofidis is one of Belgium's largest consumer credit specialists, offering personal loans, vehicle financing, and renovation loans through a direct and broker-assisted model that directly competes with Elantis across product categories.
• Hello bank! Belgium (BNP Paribas): Hello bank! is the digital-first Belgian bank under BNPP, offering personal loans and consumer credit via a self-service online channel — a direct digital competitor to Elantis's online simulator/portal model.
• Beobank: Beobank (part of BNPP group) is a Belgian retail bank offering personal loans, mortgages, and consumer credit online and through branches. Directly overlaps with Elantis in Belgian consumer and mortgage lending.
• BNP Paribas Personal Finance (Cetelem Belgium): BNP Paribas Personal Finance operates Cetelem in Belgium, a major direct competitor offering consumer credit, vehicle loans, and personal loans with very similar product positioning to Elantis, often through broker and digital channels.

Emerging players

• Younited Credit Belgium: Younited is a European digital consumer credit platform active in Belgium offering personal loans via a fully online journey, competing with Elantis in the digital origination layer though without the broker/physical channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Elantis
• LinkedInlinkedin.com/company/elantis-societe-de-credit

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Elantis