Zenioo

What Zenioo does

Zenioo SAS is a French wholesale insurance broker (courtier grossiste) founded in 2021 and headquartered in Villeurbanne (Lyon metropolitan area), registered with ORIAS under number 200 058 79. The company provides a digital intermediary platform exclusively for independent insurance brokers (courtiers), enabling them to quote, compare, and subscribe online to health (santé), borrower (emprunteur), and provident (prévoyance) insurance products drawn from 4 delegated administrators and 7 insurers. The product portfolio is structured around three personal-insurance lines, served through a unified Extranet interface with customizable modules for specialists, multi-specialists, and mandataires, and a mobile companion application that was launched in September 2022. Zenioo has explicitly ruled out direct-to-consumer distribution, positioning itself as a 100% intermediary platform to remove channel conflict with its broker partners.

The technology stack is anchored on the proprietary Zenioo Extranet, a natively multi-gestionnaire platform with online subscription capabilities, complemented by a portfolio of adjacent services: Resilizen (borrower insurance termination and substitution administration), Zenioo Campus (DDA-compliant training delivered with H24 Campus), Zenioo Focus (webinars) and ZePodcast (industry content). A cyber-insurance product (Cyber Pro Zenioo) was added through a partnership with insurtech Stoïk, marking the first extension beyond personal insurance. The three co-founders — Emmanuel Morandini (President), Emmanuel Legras (Director General), and Jean-Hubert Banwarth (Director General) — retain majority ownership after a January 2022 transaction in which Groupe Adélaïde acquired a 35% industrial stake, providing access to the Génération contract-management platform. The company also co-founded VOTRASSO, a professional self-regulation association for proximity insurance brokers.

Zenioo monetizes through wholesale brokerage commissions paid by insurance providers and through subscription or access fees paid by broker partners who require codes to enter the platform. The go-to-market is exclusively channel-driven: a regional commercial team of approximately seven named field staff supports onboarding and ongoing broker development, supplemented by digital self-serve onboarding and content-driven demand generation via webinars, podcast, and LinkedIn. The broker network has grown to more than 4,500 partners within roughly 2.5 years, all operating in France; the end insureds are primarily Travailleurs Non Salariés (self-employed professionals) accessing coverage through their distributing broker. Pricing is not publicly disclosed.

Name

Zenioo

Legal name

ZENIOO

Website

https://zenioo.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Zenioo is a French wholesale insurance broker (courtier grossiste) providing a unified digital platform that enables 4,500+ independent insurance brokers to quote, compare, and subscribe to health, borrower, and provident insurance products from multiple insurers, serving the self-employed professional market exclusively through the intermediary channel.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage Platform

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Wholesale insurance brokerage
• Insurance distribution platform
• Multi-carrier insurance
• Broker extranet solutions
• Digital insurance marketplace

Headquarters

HQ city

Les Auvergnes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Wholesale Brokerage Commissions: As a wholesale broker (courtier grossiste), Zenioo earns commissions from insurance providers for distributing their products through its broker partner network. The company acts as intermediary between insurance companies (assurers/délégataires) and independent insurance brokers (courtiers).
2. Partner Subscription/Service Fees: Brokers pay for access to Zenioo's digital platform and services. Partners require a code to access the platform and pay associated fees for using the tools and services.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Zenioo is a French wholesale insurance broker (courtier grossiste) that operates a proprietary digital platform connecting more than 4,500 independent insurance brokers with seven partner insurers and four delegated administrators. The company distributes a portfolio of approximately twenty insurance products — covering health (santé), borrower (emprunteur), and provident (prévoyance) lines — and monetizes the relationship through brokerage commissions and partner subscriptions to its Zenioo Extranet multi-gestionnaire tooling.

Product overview

Zenioo is a wholesale broker (courtier grossiste) offering a multi-product, multi-gestionnaire digital platform exclusively for proximity insurance brokers. The core offering is the Zenioo Platform (Extranet), a unified interface for comparing and subscribing across 3 insurance lines: health (santé), borrower (emprunteur), and provident (prévoyance) insurance. This is complemented by the Zenioo App for mobile access, Resilizen for borrower insurance termination/transfer management, Zenioo Campus for training and DDA compliance, Zenioo Focus for webinars, ZePodcast for industry content, and Cyber Pro (via Stoik partnership) for cyber insurance. The ecosystem is designed 100% for brokers with no direct-to-consumer sales.

Differentiator

Problem solved

Functional benefit

Brands

• Resilizen: A dedicated service for borrower insurance contract transfer and cancellation management, providing administrative support to brokers and their clients.
• Zenioo Campus
• ZePodcast
• Zenioo Cyber Pro
• Zenioo Focus
• Zenioo School

Products and services

• Zenioo Extranet Multi-gestionnaire web platform (workspace) used by independent insurance brokers to manage policy subscriptions, claims tracking, and client administration across Zenioo's seven partner insurers and four delegated administrators from a single interface.
• Health Insurance (Santé) Personal health and protection insurance products (santé) aggregated from multiple partner insurers and distributed by Zenioo's broker partners to individual and group policyholders.
• Borrower Insurance (Emprunteur) Loan/mortgage life and disability cover (assurance emprunteur) bundled from partner insurers and resold via Zenioo's broker network to borrowers.
• Provident Insurance (Prévoyance) Provident and life-insurance products (prévoyance) — covering death, disability, incapacity, and savings — sourced from partner insurers and distributed through Zenioo's broker network.
• Zenioo Campus Training and enablement program (campus) for Zenioo's 4,500+ partner brokers covering product knowledge, regulatory compliance, platform usage, and commercial best practices.
• ResiliZen Retention service for Zenioo partner brokers combining dedicated advisor support and a digital relationship tool to reduce churn in the broker network.
• Cyber Pro Cyber-insurance product (Cyber Pro) targeted at professionals and small businesses, distributed by Zenioo partner brokers under the multi-insurer aggregation model.

Quantifiable outcome

• 20 products managed by 4 administrators underwritten by 7 insurers within 2.5 years of existence
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• StoikcoreStrategic or Co-development PartnerZenioo partnered with insurtech Stoik to offer cyber insurance products to SMEs and self-employed professionals. This represents Zenioo's first foray into property insurance (dommages). The partnership addresses strong demand from broker partners for cyber risk coverage. Stoik provides both insurance and cybersecurity protection tools.
• H24 CampuscoreStrategic or Co-development PartnerPartnership with H24 Campus (training organization registered under number 76311231031) to deliver DDA-compliant training and professional development courses to broker partners. H24 Campus provides over 75 eligible training modules covering compliance, sales, and retention topics. Zenioo Campus is powered by H24 Campus's catalog.
• VOTRASSOminorStrategic or Co-development PartnerZenioo founders co-created VOTRASSO, a professional self-regulation association for insurance brokers. The association serves as a platform for industry dialogue, regulatory decoding, conferences, market research, and representing proximity brokerage interests to institutional bodies.
• Insurance Partners (MNCP, Prépar, Malakoff Humanis, and others)coreChannel Partner/ Reseller/ DistributorMultiple insurance company partners including MNCP, Prépar, Malakoff Humanis, and other unnamed insurers whose logos appear on the website. These partners provide the insurance products distributed through Zenioo's broker network. The platform works with 4 administrators (délégataires) and 7 insurers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cegema: French wholesale insurance broker (courtier grossiste) offering multi-carrier insurance products to broker networks; the closest direct analog to Zenioo's intermediary-only, multi-gestionnaire model in the French market.
• Assureurs Conseils: French wholesale broker (courtier grossiste) distributing multi-carrier personal and professional insurance products to broker partners; closely comparable to Zenioo's intermediary-only, multi-gestionnaire positioning in the French market.

Broad incumbents

• Verlingue: French insurance brokerage subsidiary of Groupe Adelaïde and sister company to Zenioo via the same strategic shareholder; comparable as a multi-line broker, but significantly larger and broader in scope (corporate, P&C, employee benefits).
• April Group: One of France's largest insurance broker groups, distributing personal and commercial lines through a broad broker and partner network; comparable in product breadth and channel-driven model, but at a much larger scale than Zenioo.
• Alptis: French broker and mutuelle group distributing health, provident, and borrower insurance to individuals and through partner brokers; comparable in product mix and target customer (TNS, individuals), with a more established brand and larger scale.
• Solly Azar: Established French wholesale insurance broker distributing personal lines (health, borrower, P&C) to a network of broker partners; closely comparable business model, with deeper carrier relationships and longer operating history.
• SPVIE Assurances: French insurance broker group focused on health, borrower, and provident distribution through partner networks; comparable in product mix and intermediary focus, but with a more developed infrastructure and broader geographic reach.

Emerging players

• Santiane: France-based insurance distribution platform using digital tools to distribute health, borrower, and life insurance; comparable in digital distribution of person insurance, but with a direct-to-consumer emphasis that contrasts with Zenioo's broker-only stance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Zenioo