Greeniz

Name

Greeniz

Legal name

GREENIZ SAS

Website

https://greeniz.fr

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Credit Consolidation Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

akta.pro secondary industries

Lending & Credit Disbursements (FSAMAKAH), Loan Origination Systems (LOS) (FSALALAA)

Keywords

• Credit consolidation services
• Loan refinancing brokerage
• Mortgage advisory
• Borrower insurance
• Debt restructuring

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage commissions from banking partners: Greeniz acts as a non-exclusive bank intermediary (Mandataire Non Exclusif en Opérations de Banque) and earns commissions from banking partners when a credit consolidation or other credit product is successfully funded. The company also acts as an insurance broker (Courtier d'Assurance), earning commissions from insurer partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Greeniz is a non-exclusive banking intermediary (Mandataire Non Exclusif en Opérations de Banque) and insurance broker (Courtier d'Assurance) registered with ORIAS that helps French households consolidate multiple outstanding loans (consumer credits, mortgages, auto loans, revolving credit) into a single new loan with one monthly payment, one rate, and one dedicated advisor. The company compares offers across a network of partner banks and insurers, manages the full dossier from free online simulation through telephone advisory and physical agency meetings to fund release, and earns commissions from banking and insurance partners upon successful loan closing.

Product overview

Greeniz is a credit brokerage firm specializing in credit consolidation (rachat/regroupement de crédits) and borrower insurance, operating as an eco-responsible brand within the Groupe EMPRUNTIS. The core offering is the regroupement de crédits service, which consolidates multiple existing loans (real estate, consumer, auto, personal) into a single new loan with one unified monthly payment, rate, and interlocutor. This is supported by a client portal (Espace Personnel) and an online simulation tool for initial feasibility assessment. Borrower insurance (assurance emprunteur) is offered as a complementary product covering death, disability, and job loss. The company operates both online and through five physical branch offices across France.

Differentiator

Problem solved

Functional benefit

Products and services

• Regroupement de crédits (Credit Consolidation) Credit/debt consolidation service that merges multiple existing loans (mortgage, consumer, auto, personal, revolving credit) into a single new loan with one monthly payment, unified interest rate, and a single dedicated advisor. Optional additional cash reserve (trésorerie complémentaire) can be included for new projects such as home improvements, vehicle purchase, or family events. Target users are French households holding two or more outstanding credits seeking simplified budgeting and lower monthly payments.
• Assurance emprunteur (Borrower Insurance) Borrower insurance offered alongside credit consolidation to protect borrowers and their families against life events such as death, total permanent disability (PTIA), job loss, and permanent or temporary disability. Coverage pays total monthly payments when triggered. Provided through multiple insurance partners including MetLife, Kereis Solutions, Neoliane Santé, SEP, Simulassur, and Assurea.

Quantifiable outcome

• Monthly payment reduction of up to -60% through credit consolidation
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature2 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Groupe EMPRUNTIScoreOthersGreeniz is a subsidiary of Groupe EMPRUNTIS. Groupe EMPRUNTIS provides shared services including IT infrastructure (DIABOLOCOM telephony), data hosting on OVH servers, RGPD/DPO services, complaint management, and operational support. Data sharing within the group is based on legitimate interest for efficient and personalized service delivery.
• Apis & LoveminorGTM or Marketing PartnerApis & Love is a charitable foundation (fonds de dotation) dedicated to protecting bees and pollinators. Greeniz is a partner supporting environmental protection efforts, demonstrating its eco-responsible corporate commitment. This is a brand alignment partnership rather than a commercial revenue relationship.
• Kereis SolutionscoreOthersSAS at capital €112,309, 112 avenue Kleber, 75116 Paris (RCS Paris n° 524 114 600). Insurance brokerage firm registered with ORIAS under n° 10 057 441. Provides borrower insurance solutions alongside credit consolidation products.
• SEP (Stratégie Euro Prestige)minorOthersSAS at capital €700,000, 8 Cité Martignac, 75007 Paris (RCS Paris n° 451 240 147). ORIAS n° 07029384. Insurance partner offering credit-related insurance products to Greeniz clients.
• Neoliane SantéminorOthersSAS at capital €2,000,000, 143 boulevard René Cassin, Immeuble Nouvel'R, 06200 Nice (RCS Nice n° B 510 204 274). Insurance broker registered with ORIAS under n° 09 050 488. Provides health and protection insurance alongside credit products.
• Simulassur / EloisminorOthersSAS at capital €100,000, 23 rue du Départ, 75014 Paris (RCS Paris n° 483 413 258). Insurance broker registered with ORIAS under n° 07 019 295. Insurance partner for borrower protection and related insurance products.
• Assurea (Assurea Distribution)minorOthersSAS at capital €17,125, CS 10019, Rond-Point du Canet, 13590 Meyreuil (RCS Aix-en-Provence n° 447 731 787). Insurance broker registered with ORIAS under n° 11 063 471. Provides credit-related insurance products.
• MetLifeminorOthersIrish designated activity company (company number 415123), acting through its French branch at 5 place de la Pyramide, 92800 Puteaux (RCS Nanterre n° 799 036 710). Major international insurer providing credit borrower insurance (death, PTIA, disability) to Greeniz clients.
• Calicar (CALICAR, Holding CVF)minorOthersEURL at capital €1,000, 85 Route d'Auxerre, 10120 Saint-André-Les-Vergers (RCS Troyes n° 889 317 640). Listed as an 'other partner' on the Greeniz partner list. Nature of partnership not detailed in available source material.
• HellowattminorOthersSAS at capital €81.60, 10 Rue de Penthièvre, 75008 Paris (RCS Paris n° 820 585 123). Listed as an 'other partner' on the Greeniz partner list. Nature of partnership (potentially eco-related energy services) not detailed in available source material.
• DIABOLOCOMcoreTechnology or IntegrationDIABOLOCOM is a cloud-based call center software (call center software) developed by a third-party provider, integrated into Greeniz's operations. It provides AI-powered features for recording and structuring telephone calls, evaluating exchange quality, and identifying advisor training needs. The system is used to comply with legal recording obligations and to improve customer service quality.
• PowenscoreTechnology or IntegrationPowens is a financial data aggregation platform that enables secure sharing of bank account data with Greeniz and its banking partners to facilitate credit dossier management. Greeniz uses Powens to collect and transmit financial information, with client consent, to accelerate and improve the accuracy of credit analysis.
• DevissimaminorChannel Partner/ Reseller/ DistributorDevissima is an online credit comparator partner of Greeniz. Prospects who consent during the Greeniz simulation can receive comparative offers from Devissima's network of partner lenders, at no cost and without commitment. This extends Greeniz's reach and provides prospects with additional financing options.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Groupe EMPRUNTIS: Parent company and direct peer: a French financial services group offering credit brokerage, mortgage comparison, and insurance intermediation. As Greeniz's parent and shared-services provider, Groupe EMPRUNTIS is the closest comparable for business model, regulatory framework, and customer base.
• Younited Credit: A leading French online consumer credit lender that also partners with Greeniz for funding. Younited operates a similar broker-style model across Europe and competes for the same credit consolidation customer, with overlapping product and target segment.
• Meilleurtaux: A leading French mortgage and credit broker that aggregates offers from multiple lending partners for consumers. Directly comparable to Greeniz in brokerage model, multi-bank comparison logic, and digital + agency hybrid distribution.
• RegroupementCredits.fr: A French online credit consolidation broker operating a similar model (multi-bank panel, online simulation, advisory support) and targeting identical customer segments. A direct digital competitor to Greeniz's online channel.

Broad incumbents

• Cofidis: One of France's largest consumer credit lenders (Crédit Mutuel group), offering personal loans, credit consolidation, and revolving credit directly to consumers. A broad incumbent with substantially greater scale than Greeniz but overlapping in the consolidation segment.
• Cetelem (BNP Paribas Personal Finance): The consumer finance arm of BNP Paribas, providing personal loans, credit cards, and consolidation products directly. A broad incumbent and key Greeniz partner bank (via Sygma), offering overlapping capability at significantly larger scale.
• Crédit Agricole Consumer Finance: The consumer credit arm of Crédit Agricole, providing personal loans and credit consolidation across France. Functions both as a Greeniz funding partner and as a direct competitor to broker-served customers.
• Oney Bank: A French consumer credit and payment provider (Auchan/Banque Accord group), offering personal loans, credit consolidation, and insurance products. Overlaps with Greeniz as both partner and direct lender for the same retail customer segments.

Emerging players

• Pretto: A French online mortgage broker and credit advisor. Emerging digital-native player targeting the same borrower base (consolidating or refinancing credit) but with a pure-play digital model rather than Greeniz's hybrid agency approach.

Others

• Kereis (formerly April Mon Assurance de Prêt): French insurance broker specializing in borrower insurance (assurance emprunteur), a complementary product to Greeniz's core offering. Functions as an insurance partner to Greeniz while serving similar end customers in adjacent product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Greeniz