BankKeys
BankKeys is a French B2B credit packager (MIOBSP) serving brokers, wealth advisors, insurers, and IOBSPs with packaged financing — credit consolidation, mortgage, and consumer credit — routed through a network of 17 banking partners and supported by a proprietary CRM and tiered partner program.
- Company typePrivate
- Founded2019
- HeadquartersBezannes, France
- Headcount11–50
- GTM typeB2B
- OfferingServices
What BankKeys does
BankKeys is a French B2B financial intermediary (MIOBSP — Mandataire Non-Exclusif en Opérations de Banque et Services de Paiement) operating under the legal entity FBS CONSULTING SAS, headquartered in Bezannes/Reims with a back-office in Lesquin. Founded in 2019 by Léo Soosaipillai, the firm functions as a credit packager serving exclusively financial professionals — courtiers (brokers), CGPI/CIF wealth advisors, insurers, and IOBSPs — and does not serve end consumers directly. BankKeys aggregates demand from its partner network and routes it to a supply ecosystem of 17 banking and financing partners and 4 delegated insurance partners, with no geographic restrictions across metropolitan France, Corsica, and DROM.
The firm offers eight core financing solutions — credit consolidation (regroupement de crédits), real estate financing and SCPI, consumer credit, mortgage loans (prêt hypothécaire), sale with repurchase option, Lombard loans, Sale & Leaseback, and professional loans — complemented by insurance products. Underpinning this offering is the proprietary my-BankKeys CRM platform, provided to IOBSP partners with dossier tracking, compliance automation, and performance analytics. Distribution is structured through three partner tiers (Harmonie, Exclusif, Privilège) offering escalating levels of legal, compliance, IT, digital, sourcing, and training support.
BankKeys monetizes through transaction-based commissions paid by banking partners (up to 10% on unsecured financing, up to 8% on secured, up to 5% on consumer credit, up to 4% on mortgage), insurance commissions on complementary loan insurance, and brand-licensing / white-label fees. Operating outcomes reported include a 63% offer issuance rate and 93% dossier realization rate. The firm is ORIAS-registered (19 003 084) and supervised by the ACPR.
BankKeys firmographics
Firmographics- Name
- BankKeys
- Legal name
- FBS CONSULTING
- Website
- https://bankkeys.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BankKeys is a French B2B credit packager (MIOBSP) serving brokers, wealth advisors, insurers, and IOBSPs with packaged financing — credit consolidation, mortgage, and consumer credit — routed through a network of 17 banking partners and supported by a proprietary CRM and tiered partner program.
- Ownership category
- akta.pro rank
BankKeys industry classification
Industry- Product category
- Financial Intermediation Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)
Keywords
Where BankKeys is headquartered
LocationHeadquarters
- HQ city
- Bezannes
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
BankKeys business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Commission on Financing Operations: BankKeys earns commissions from banking partners based on the amount of financing arranged. Commission rates vary by product type: up to 10% for unsecured financing, up to 8% for secured financing, up to 5% for consumer credit, and up to 4% for mortgage financing. The intermediary receives payment only after funds are disbursed.
- Insurance Partnership Commissions: BankKeys operates as an insurance broker for complementary loan insurance, earning commissions from insurance partners including BNP Paribas Personal Finance, CREATIS, and others for insurance products sold alongside financing operations.
- Brand Licensing and White-Label Solutions: Partners can access BankKeys solutions under their own brand (white-label) or operate under the BankKeys brand license as 'consultant en financement', generating licensing-related revenue streams.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Financing without guarantee: Maximum 10% commission |
| Transaction based/ take rate | Pay-as-you-go | Financing with guarantee: Maximum 8% commission |
| Transaction based/ take rate | Pay-as-you-go | Consumer credit financing: Maximum 5% commission |
| Transaction based/ take rate | Pay-as-you-go | Mortgage financing: Maximum 4% commission |
| Transaction based/ take rate | Pay-as-you-go | Harmonie: 100% of fees, full integration with comprehensive services |
| Transaction based/ take rate | Pay-as-you-go | Exclusif: Expanded services with volume commissions and insurance bonuses |
| Transaction based/ take rate | Pay-as-you-go | Privilège: Maximum services with surcommission and custom bonuses |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
BankKeys product offering
Product offeringCore offering
BankKeys is a French B2B financial intermediary (MIOBSP) that packages and distributes credit, mortgage, consumer-credit, and insurance solutions on behalf of a network of 17 banking partners to French financial professionals (credit brokers, wealth advisors, insurance brokers, IOBSP intermediaries). It enables partners to deliver these products either under BankKeys' brand or under their own brand via a white-label license, with dossier handling managed through the proprietary my-BankKeys CRM.
Product overview
BankKeys is a B2B credit packager and wholesale intermediary (MIOBSP) founded in 2019, operating exclusively for financial intermediation professionals. The company provides a portfolio of 8 core financing solutions: credit consolidation (regroupement de crédits), real estate financing and SCPI, consumer credit, mortgage loans, sale with repurchase option, Lombard loans, Sale & Leaseback, professional loans, and insurance products. These are distributed exclusively through a network of professional partners (brokers, CGPI, CIF, insurers, IOBSPs) via three partnership tiers (Harmonie, Exclusif, Privilège) offering escalating levels of support, commissions, and services. The offering is complemented by a proprietary my-BankKeys CRM platform provided to partners, along with premium support services covering legal, compliance, digital, IT, sourcing, and training.
Differentiator
Problem solved
Functional benefit
Products and services
- Regroupement de crédits (Credit Consolidation)
Quantifiable outcome
- 63% offer issuance rate
- +2 more outcomes
Companies that use BankKeys
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles1 record
BankKeys technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature1 record
BankKeys partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and supporting.
- BNP Paribas Personal FinancecorePrimary mandated banking partner for credit consolidation and mortgage financing. Also provides insurance intermediary mandates for complementary loan insurance. Located at 1 boulevard Haussmann, 75009 Paris.
- CREATIScoreMandated partner for credit consolidation and insurance intermediary services. Located at 61 avenue Halley, 59650 Villeneuve d'Ascq.
- CREDIT AGRICOLE CONSUMER FINANCEcoreMandated banking partner for credit consolidation and insurance services. Located at 1 rue Victor Basch, CS 70001, 91068 MASSY CEDEX.
- MY MONEY BANKcoreMandated partner for credit consolidation and insurance intermediary services. Located at Tour Europlaza, 20 avenue André Prothin, 92063 Paris La Défense.
- CGL (Compagnie Générale de Location d'Equipements)coreMandated banking partner for credit consolidation. Located at 69 avenue de Flandre, 59700 Marcq-en-Barœul.
- CREDIT FONCIER COMMUNAL D'ALSACE ET DE LORRAINE – BANQUE (CFCAL)coreMandated partner for credit consolidation, mortgage financing, and insurance intermediary services. Located at 1 rue du Dôme, 67000 Strasbourg.
- CREDIT MUNICIPAL DE BORDEAUX (CMB)supportingMandated partner for credit consolidation. Located at 29 rue du Mirail, 33000 Bordeaux.
- CREDIT MUNICIPAL DE TOULONsupportingMandated partner for credit consolidation and mortgage financing. Located at Place Besagne, Bat. A, 83000 Toulon.
- CREDIT MUNICIPAL DE NÎMESsupportingMandated partner for mortgage financing under credit consolidation arrangements. Located at 8 bis rue Guizot, 30013 Nîmes Cedex 01.
- SYGMA by BNP Paribas Personal FinancesupportingMandated partner for mortgage financing under credit consolidation arrangements. Located at 1 boulevard Haussmann, 75009 Paris.
- FINASSURANCEsupportingInsurance intermediary partner for complementary loan insurance. Located at 69 avenue de Flandre, 59700 Marcq-en-Barœul.
- SA AFI.ESCAsupportingInsurance broker partner for complementary loan insurance. Located at 2 quai Kléber, CS 30441, 67008 Strasbourg Cedex.
- Digital InsuresupportingDigital insurance partner for complementary loan insurance products. Located at 38 rue la Condamine, 75017 Paris.
- Assuréa DistributionsupportingInsurance distribution partner for complementary loan insurance. Located at 58 bis rue de la Boétie, 75008 Paris.
- UGIP AssurancessupportingInsurance partner for complementary loan insurance products. Located at 73/75 rue Brillat-Savarin, 75013 Paris.
- IMPAAKT (Digital Agency)supportingDigital communication and website development agency. Located at 8 rue Jules Méline, 51430 Bezannes. Responsible for BankKeys website creation and SEO.
- CreditLift CourtagesupportingBanking intermediary partner operating within the BankKeys network.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
BankKeys competitors and assessment
Company assessmentDirect peers
- Vousfinancer: French retail mortgage and credit broker network with a similar intermediary model to BankKeys, distributing credit products from a panel of banking partners through a network of franchisee/partner advisors. Directly comparable in business model, regulatory status (IOBSP) and French market focus.
- Meilleurtaux: Leading French mortgage and credit brokerage (formerly Meilleurtaux.com) that aggregates offers from a panel of partner banks and distributes through its own advisor network. Directly comparable to BankKeys in core function (credit intermediation) and target end-clients, though larger and more consumer-facing.
- Cafpi: Major French mortgage broker with a national network of partner agencies, providing credit and refinancing solutions through aggregated banking partners. Comparable to BankKeys in intermediation model, B2B2C partner network and French regulatory environment.
- ACE Crédit: French retail credit broker (formerly AB Courtage) focused on credit consolidation, mortgage refinancing and personal loans, operating through a network of partner advisors under similar IOBSP regulation. Direct comparable in product mix (especially credit consolidation) and intermediary go-to-market.
- Pretto: French online mortgage broker that intermediates between borrowers and a panel of partner banks, with a digital-first platform. Comparable in intermediation model and French market focus, though leaning more consumer-direct and digital versus BankKeys' B2B partner model.
Broad incumbents
- Cofidis: Major French consumer credit specialist and one of BankKeys' likely ultimate funders in the consumer credit value chain. Comparable as a credit provider in the same product categories (consumer credit, credit consolidation) though operating as a direct lender rather than a broker.
- Younited Credit: French-headquartered personal loan platform that originates and services consumer credit, including credit consolidation, with a pan-European footprint. Comparable in product overlap (especially consumer credit and consolidation) and French market presence, though Younited funds loans on its own balance sheet rather than intermediating.
- Boursorama Banque: French online bank owned by Société Générale, distributing consumer credit, mortgages and credit consolidation products directly to consumers. Comparable in product categories and French market, though as a direct originator rather than a B2B intermediary.
- La Banque Postale: Major French retail bank (and listed BankKeys partner on the website) distributing consumer credit, mortgages and credit consolidation. Comparable as a credit provider in the same product categories and as one of the upstream funding banks in BankKeys' panel.
Emerging players
- Magnolia (ex-Magnolia.fr): French digital platform for credit consolidation and consumer credit, using automated partner-bank routing. Comparable in credit consolidation intermediation and French B2C market focus, though with a more digital/automated model than BankKeys' B2B partner motion.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
BankKeys social profiles
Digital presenceBankKeys compliance and trust
Trust signalCompliance2 records
BankKeys financial estimates
Financial estimateRevenue estimate
Valuation estimate
BankKeys leadership team
Management profileNumber of profiles
Profiles1 record
BankKeys funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BankKeys M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BankKeys
What does BankKeys do?
BankKeys is a French B2B financial intermediary (MIOBSP) that packages and distributes credit, mortgage, consumer-credit, and insurance solutions on behalf of a network of 17 banking partners to French financial professionals (credit brokers, wealth advisors, insurance brokers, IOBSP intermediaries). It enables partners to deliver these products either under BankKeys' brand or under their own brand via a white-label license, with dossier handling managed through the proprietary my-BankKeys CRM.
Is BankKeys a public or private company?
BankKeys is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was BankKeys founded?
BankKeys was founded in 2019. It employs 11 to 50 people.
Where is BankKeys based?
BankKeys is headquartered in Bezannes, France, in the Europe region.
How does BankKeys make money?
Three revenue lines are on record. Commission on Financing Operations are the primary driver. The others are insurance Partnership Commissions and brand Licensing and White-Label Solutions.
Who are BankKeys's main competitors?
Direct peers on record are Vousfinancer, Meilleurtaux, Cafpi, ACE Crédit and Pretto. Broad incumbents are Cofidis, Younited Credit, Boursorama Banque and La Banque Postale. Magnolia (ex-Magnolia.fr) is listed as an emerging player.
Does BankKeys have an API?
No public API is recorded for BankKeys.
What industry is BankKeys in?
BankKeys's product category is Financial Intermediation Services. Its primary akta.pro industry code is FSAGAJAG, Treasury, Cash Management & Liquidity (SME). Its NAICS code is 52231 and its SIC code is 6163.