Credit Conseil De France

What Credit Conseil De France does

Crédit Conseil de France SAS is a French credit consolidation broker (courtier en rachat de crédits) operating as the lead brand within the Win'Up Group. The company intermediates between individual borrowers and a diversified panel of banking partners — including SYGMA (BNP Paribas Personal Finance), CA Consumer Finance, My Money Bank, Younited Credit, CFCAL, CGL, CREATIS, and municipal credit institutions — earning commissions on the credit and insurance products placed through its network.

Its core service is credit consolidation (rachat de crédits), offered through a network of more than 20 franchised agencies across metropolitan France and overseas territories (Guadeloupe, Martinique, Réunion), supplemented by digital simulation tools, financial calculators, and content marketing. The product portfolio has expanded beyond generic consolidation into verticalized offerings — automobile refinancing, retirement-focused consolidation, home improvement financing, property partition (rachat de soulte) — and more recently into a lifetime mortgage product (prêt viager hypothécaire) and real estate portage solutions via its Protectimmo partnership.

The business is structured as a Société par Actions Simplifiée (SAS) with €200,000 of share capital, registered with ORIAS as a non-exclusive intermediary in banking operations, payment services, and insurance (registration #12 067 152), and subject to ACPR regulatory oversight. Fabien MONVOISIN serves as Président Directeur Général. Revenue derives from transaction commissions on credit and insurance placements rather than direct consumer fees. The company does not own proprietary lending capital; its value capture is intermediation-driven and depends on franchise-agency productivity, partner breadth, and consumer credit demand in the French market.

Name

Credit Conseil De France

Legal name

CREDIT CONSEIL DE FRANCE

Website

https://creditconseildefrance.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Credit Brokerage / Credit Consolidation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

akta.pro secondary industries

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Credit consolidation
• Credit brokerage
• Debt restructuring
• Loan refinancing
• Financial intermediation

Headquarters

HQ city

Rennes

HQ country

France

HQ region

Europe

Offices20 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Intermediation Commission: Credit Conseil de France operates as a non-exclusive intermediary (mandataire non-exclusif) in banking operations and payment services. The company earns commissions from banking partners for directing customers seeking credit consolidation toward those lending institutions. The company is also an insurance intermediary, receiving commissions for insurance product placements.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Crédit Conseil de France is a French credit broker (courtier en rachat de crédits) that consolidates multiple client loans into a single credit obligation through its network of 20+ franchised agencies. The company acts as a non-exclusive intermediary directing customers to partner banks (SYGMA BNP Paribas, CA Consumer Finance, My Money Bank, Younited Credit, etc.) and earns commissions on resulting credit placements. It also offers complementary insurance intermediation and a lifetime mortgage (prêt viager hypothécaire) product via its partnership with Protectimmo.

Product overview

Credit Conseil de France operates as a network of over 20 physical branches across France, offering credit consolidation (rachat de crédits) as its primary service. The core product portfolio includes loan consolidation for various purposes (automotive, retirement, home improvement, property partition), complemented by a lifetime mortgage product (prêt viager hypothécaire). The company supplements its core offerings with digital tools including online simulators and budget calculators, providing personalized advisory services through both physical agencies and digital channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Rachat de crédits (Credit Consolidation) Core credit consolidation service that allows clients to group multiple existing loans into a single loan with one monthly payment, potentially reducing debt burden by up to 60%. Targeted at individuals seeking budget simplification, preservation of disposable income, or financing for a new project.
• Rachat de crédits Automobile Specialized credit consolidation service for automotive loans, helping clients refinance existing car loans and potentially add additional funding for vehicle purchases. Targeted at individuals with existing auto loans seeking simplification or new vehicle financing.
• Rachat de crédits Retraite Credit consolidation service designed for retirees and seniors, addressing reduced income situations and helping maintain balanced household finances during retirement. Targeted at retirees with existing loan obligations.
• Rachat de crédits Travaux Credit consolidation service that can include additional funds for home renovation and improvement projects, enabling clients to finance property upgrades while managing existing debt. Targeted at homeowners planning renovation work.
• Rachat de soulte Specialized credit consolidation for property partition (soulte) situations, typically used during divorce or inheritance proceedings to buy out co-owners' shares. Targeted at individuals navigating the financial aspects of property division.
• Prêt viager hypothécaire Lifetime mortgage product for property owners (typically 60+ years old) allowing them to access capital using their property as collateral, with repayment only due upon death or property sale. Delivered in partnership with Protectimmo. Targeted at seniors seeking to release property equity without monthly repayment.

Quantifiable outcome

• Monthly payments can be reduced by up to 60%
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• ProtectimmocoreStrategic or Co-development Partner · 7 April 2023Protectimmo is a specialized partner in real estate consolidation and mortgage solutions. They have developed a 'Portage by Protectimmo' product specifically offered through Credit Conseil de France. This partnership extends the service portfolio to include real estate portage solutions for property owners facing financial difficulties, enabling valorization of property assets under judicial protection.
• SYGMA by BNP Paribas Personal FinancecoreChannel Partner/ Reseller/ DistributorPrimary banking partner providing credit products for the franchise network. SYGMA mandates the agencies to offer their credit consolidation and consumer credit products to customers referred through the CCF network.
• CA Consumer FinancecoreChannel Partner/ Reseller/ DistributorConsumer finance partner mandating the CCF agency network to distribute their credit products and solutions.
• My Money BankcoreChannel Partner/ Reseller/ DistributorBanking partner providing credit solutions through the CCF franchise network.
• Younited CreditcoreChannel Partner/ Reseller/ DistributorOnline credit provider partnering with CCF agencies for credit consolidation and consumer credit distribution.
• Credit Municipal de LyonminorChannel Partner/ Reseller/ DistributorMunicipal credit institution partner offering social credit solutions through select CCF agencies.
• Credit Municipal de ToulonminorChannel Partner/ Reseller/ DistributorMunicipal credit institution partner offering social credit solutions through select CCF agencies.
• CFCALminorChannel Partner/ Reseller/ DistributorCaisse Fédérale de Crédit Agricole subsidiary providing consumer finance products through the CCF network.
• CGLminorChannel Partner/ Reseller/ DistributorConsumer credit partner providing financing solutions through the CCF agency network.
• CREATISminorChannel Partner/ Reseller/ DistributorSpecialized consumer credit provider partnering with select CCF agencies for credit consolidation.
• Money'Up (MonPartenaire.com)minorOthersAffiliated company under the Win'Up Group, sharing data systems and customer data processing infrastructure with Credit Conseil de France.
• finidemepriver.comminorOthersAffiliated company under the Win'Up Group, sharing data processing and GDPR compliance infrastructure.
• WIN UPcoreOthersParent group company. Credit Conseil de France is part of the Win'Up corporate group, which encompasses multiple financial services companies including Money'Up, finidemepriver.com, and other affiliates.

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• CAFPI: Major French mortgage and credit broker with a national network of agencies and multi-bank partnerships, directly comparable to CCF's franchise-based intermediation model in the consumer credit and consolidation category.
• Younited Credit: Paris-based online consumer credit platform that directly competes with CCF on personal loan and credit consolidation origination in France, also distributed through CCF's agency network as a banking partner.
• Empruntis: Major French broker intermediating mortgage, consumer credit, and credit consolidation products across multiple bank partners, with an online simulation and advisory model directly comparable to CCF's offerings.
• Meilleurtaux: Leading French loan and mortgage broker intermediating consumer credit and refinancing with a comparable multi-bank partnership model and online simulation tools targeting the same retail customer segments as CCF.

Broad incumbents

• Cofidis: Crédit Mutuel group consumer finance arm offering credit consolidation, personal loans, and revolving credit directly to French consumers — competing with CCF as a lender while also serving as an indirect source of consolidated loan products.
• Cetelem (BNP Paribas Personal Finance): BNP Paribas consumer finance brand offering personal loans, credit consolidation and revolving credit in France; competes with CCF in customer-facing credit and operates through broker networks including partners of CCF.
• Boursorama Banque: Société Générale's online French bank offering consumer credit, mortgage and consolidation products directly to retail customers — a broad incumbent that competes with CCF for self-directed customers who might otherwise engage a broker.
• Sygma by BNP Paribas Personal Finance: BNP Paribas Personal Finance subsidiary specifically dedicated to credit consolidation and refinancing; is both a CCF banking partner and a direct competitor in the same consolidation niche.

Emerging players

• FLOA Bank: French digital consumer credit and payments provider (formerly Banque Casino) offering split payments, personal loans and consumer credit — an emerging online competitor serving similar customer use cases to CCF.
• Finfrog: France-based digital-native consumer credit provider offering small-ticket personal loans online, representing the emerging fintech-style competitive threat to traditional credit consolidation intermediaries like CCF.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks1 record

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Credit Conseil De France