Win'Up Group

What Win'Up Group does

Win'Up Group is a French credit consolidation holding company headquartered in Rennes, France, operating since 1997 and formally constituted as Groupe Win'Up in 2021. The group specializes in "rachat de crédits" (credit consolidation/restructuring), helping private individuals consolidate multiple existing credits into a single, simplified payment, and also serves professionals and businesses through wealth and heritage management services. Its primary customers are individual consumers managing multiple credit obligations, with a secondary segment of professionals and business owners. The group reports 25 years of operating history, 20 physical agencies, 3 core consumer brands, and a 10 MIOBSP (millions of intermediated banking operations) volume metric.

Win'Up operates through a multi-channel distribution model built around four wholly-owned brands. Crédit Conseil de France is an independent franchise network offering in-person credit consolidation consultations across France with a 24-hour response commitment. Money'Up (rebranded from Monpartenaire.com in 2018) is a national packager serving MIOBSP (mandataires intermédiaires en opérations de banque et services de paiement) — independent credit intermediaries — with value-added services, training, and operational support. Finidemepriver.com (launched 2019) is a 100% digital brand providing online credit consolidation applications with principle response in under 10 minutes. Bank'R (launched 2020) extends the group into professional financing and heritage/wealth management for businesses and high-net-worth individuals.

The group's revenue derives from three streams: credit restructuring transaction fees (commissions and interest differentials from consolidating client credits), franchise licensing royalties from the Crédit Conseil de France network, and packager service fees from MIOBSP intermediaries served by Money'Up. Its underlying technology includes a digital application platform for Finidemepriver.com and internal systems for lead management, client portfolio management, and dossier processing. The holding company maintains a lean central team (1-10 employees) under the leadership of President Fabien MONVOISIN, who has led the organization since 2008.

Name

Win'Up Group

Legal name

Groupe Win'Up

Website

https://groupe-winup.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Win'Up Group is a French credit consolidation holding company operating four brands — Crédit Conseil de France franchise network, Money'Up intermediary packager, Finidemepriver.com digital platform, and Bank'R professional financing — serving individual consumers and professionals across France.

Ownership category

akta.pro rank

Headquarters

HQ city

Rennes

HQ country

France

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

Revenue model

1. Credit Restructuring Fees: The group earns revenue from credit consolidation and restructuring services, generating income from arrangement fees and interest differentials when consolidating multiple client credits into a single restructured loan.
2. Franchise Licensing: Crédit Conseil de France operates as an independent franchise network, generating recurring franchise fees and royalties from franchisees operating under the brand across France.
3. MIOBSP Package Services: Money'Up acts as a national package provider offering services to MIOBSP (mandataires intermédiaires en opérations de banque et services de paiement), including added-value services, training, and operational support for independent intermediaries.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Win'Up Group is a French holding company that specializes in credit consolidation (rachat de crédits), pooling multiple existing client credits into a single restructured loan. It operates through three core brands—Crédit Conseil de France (a national franchise agency network), Money'Up (a package provider for MIOBSP intermediaries), and Finidemepriver.com (a fully digital platform)—alongside Bank'R for professional financing and wealth management.

Product overview

Win'Up Group is a multi-brand holding company specializing in credit consolidation (rachat de crédits). The group operates through five distinct brands that together form a comprehensive ecosystem: Crédit Conseil de France serves as an independent franchise network providing in-person credit consolidation services nationwide within 24 hours; Money'Up functions as an innovative packager serving MIOBSP intermediaries across the territory; Finidemepriver.com offers a fully digital, 100% online credit consolidation solution with sub-10-minute response times; and Bank'R provides professional financing and wealth management services. The holding company structures all these specialized brands under unified support services, enabling diversified and complementary activities in the credit consolidation market.

Differentiator

Problem solved

Functional benefit

Brands

• Crédit Conseil de France: Independent franchise network specializing in credit consolidation, present across the entire national territory, offering client service within 24 hours.
• Money'Up
• Finidemepriver.com
• Bank'R

Products and services

• Crédit Conseil de France Independent franchise network of 20 physical agencies across France specializing in credit consolidation for individual consumers, offering in-person consultation and a 24-hour client response commitment.
• Money'Up National packager service providing value-added services, training, operational support, and brand affiliation to MIOBSP intermediaries (mandataires intermédiaires en opérations de banque et services de paiement) distributing credit consolidation products across France.
• Finidemepriver.com 100% digital credit consolidation service for individual consumers in France, offering a fully online application process with a principle response in under 10 minutes.
• Bank'R Professional financing and wealth management services for businesses, professionals, and individuals requiring specialized financial advisory, file preparation, loan negotiation, and administrative support.

Quantifiable outcome

• 24-hour response time for Crédit Conseil de France clients
• +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.

• Lender Partners (Partenaires prêteurs)coreOthersFinancial institution partners who provide the actual credit products that Win'Up Group intermediaries submit to for client credit consolidation applications. These partners receive client dossiers from the group's network and provide financing terms including interest rates, loan amounts, and repayment schedules.

Scale indicators4 records

Recent moves14 records

Expansion highlights4 records

Direct peers

• Solutis: Solutis is a French credit consolidation specialist (rachat de crédits) serving individual clients through a network of advisers. It directly competes with Win'Up's brands in the same niche and distribution model.
• CAFPI: CAFPI is a leading French mortgage broker that has expanded into consumer credit intermediation and advisory services. It is a direct peer to Win'Up in the intermediated-credit and advisory ecosystem.
• Partners Finances: Partners Finances is a French specialist credit consolidation broker (rachat de crédits) operating a national intermediary network. It is a direct peer to Win'Up's MIOBSP-focused Money'Up and Crédit Conseil de France businesses.
• Meilleurtaux: Meilleurtaux is a major French credit, insurance, and savings brokerage platform that intermediated consumer credit and consolidation files. It is a direct peer to the Crédit Conseil de France franchise network in intermediation-led credit consolidation.
• Empruntis: Empruntis is a long-established French credit brokerage that intermediates mortgage and consumer loans including consolidation. It is a direct peer to Win'Up's intermediation and brokerage activity.
• Younited Credit: Younited Credit is a French fintech credit platform that originates and intermediates consumer credit, including credit consolidation, to retail borrowers. It competes directly with Win'Up's Finidemepriver.com on digital self-serve speed and proximity.

Broad incumbents

• Cofidis: Cofidis is one of the largest French consumer credit intermediaries (Crédit Mutuel group), offering rachat de crédits among its consumer finance products. It is a broad incumbent in the same credit consolidation category as Win'Up, with a much larger direct balance sheet and brand reach.
• BNP Paribas Personal Finance (including Cetelem): BNP Paribas Personal Finance (Cetelem) is the largest French consumer credit operator, offering credit consolidation alongside auto, personal, and home loans. It is a broad incumbent and lender-partner competitor to Win'Up's intermediary-based model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/groupe-winup/posts/?feedView=all

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries4 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 Win'Up Group