What Premista does

Premista is a French banking and insurance intermediation group headquartered in Gondreville, operating a multi-brand platform that originates and distributes retail credit and insurance products through physical agencies, independent brokers, and digital channels. Its core activities are credit consolidation (regroupement de crédits), where it claims over 20% of the French market with more than €720M financed annually, and real estate lending distribution (approximately €1.2B financed annually) alongside insurance policy placement (12,000+ policies in 2021). The portfolio is organized into distinct consumer-facing and partner-facing brands — Ymanci (flagship retail intermediation), Patrimial (high-net-worth), Simply Miob (B2B intermediaries), AMI, Afilia, and the digital properties Starto and My/Comparateur — supported by an in-house acquisition Prêt à Assurer for insurance.

The group runs its distribution primarily through IOBSP-registered intermediaries and brokers, with 550 employed staff and approximately 600 independent mandataires/concessionnaires (commission-based rather than salaried) feeding origination into back-office processing, lender relationships with major French banks, and centralized compliance and underwriting functions. Underlying technology is a mixture of internal back-office systems and acquired platforms: My/Comparateur provides insurance comparison APIs, while Starto delivers a digital refinancing channel; the Premicampus site (consolidated 2023) houses shared services. AI is used to augment credit processing and broker workflows rather than as a standalone product.

Premista makes money through commissions, brokerage fees, and partner remuneration tied to funded loan volumes, distributed insurance products, and ancillary services across its brands. Since a December 2017 investment by Abénex Capital it has pursued an M&A-led consolidation strategy, acquiring My/Comparateur (2019) and Prêt à Assurer (2022), and has expanded leadership in 2026 (new DGA Commercial Strategy and Operational Director) consistent with further professionalization of the platform.

Name

Premista

Legal name

PREMISTA

Website

https://premista.fr

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

Premista is a French banking and insurance intermediation group that distributes credit consolidation, real estate loans, and insurance products through 150+ agencies, 600+ independent brokers, and digital channels under brands including Ymanci, Patrimial, Simply Miob, Starto, and My/Comparateur, serving French retail and high-net-worth households.

Ownership category

akta.pro rank

Product category

Banking and Insurance Intermediation

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Credit consolidation
• Banking intermediation
• Real estate lending
• Insurance brokerage
• Mortgage refinancing

Headquarters

HQ city

Gondreville

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Consolidation / Regroupement de Crédits: Premista acts as a banking intermediary (mandataire) for major French banks, earning commissions and fees on credit consolidation (rachat de crédits) transactions. This is the historical core business of the group. With €720M+ financed annually in credit consolidation and over 20% market share in France, this represents the primary revenue driver.
2. Real Estate Lending / Crédit Immobilier: Intermediation fees and commissions on mortgage and real estate financing products. The group finances over €1.2 billion annually in real estate credit through its network of 150+ agencies. Revenue is earned through commissions from banking partners on completed mortgage transactions.
3. Insurance Distribution: Insurance commissions through the group's insurance entities including Prêt à Assurer (person insurance specialist), Ymanci Assurances, and MyComparateur (comparison platform). In 2021, the group wrote over 12,000 new insurance policies. The MyComparateur platform analyzes over 700 insurance formulas for clients.
4. B2B Services for Independent Intermediaries (Simply Miob): Simply Miob provides B2B services to independent finance, real estate, insurance, and wealth management professionals — offering credit consolidation solutions and ancillary products (personal loans, insurance, real estate acquisition) under optimized commercial terms. Revenue derived from volume-based commissions and service fees.

Go-to-market motion4 records

Distribution channels9 records

Marketing channels12 records

Core offering

Premista is a French banking and insurance intermediary group specialized in credit consolidation (regroupement de credits), real estate lending, and insurance distribution. Operating through 150+ agencies and 600+ independent brokers, the group acts as a mandated agent (mandataire) for the largest French banks, financing over €1.9 billion annually. Its portfolio includes the flagship Ymanci brand, the B2B Simply Miob service, the digital Starto refinancing platform, and the MyComparateur insurance comparison platform.

Product overview

Premista is a multi-specialist broker group offering integrated financial services through a portfolio of specialized brands. The group operates as a holding structure (SAS Serson Holding and SAS Holding Person Invest) encompassing Ymanci (flagship brand with 135+ agencies for credit consolidation, real estate credit, and insurance), Prêt à Assurer (insurance broker), Simply Miob (B2B service for independent professionals), Patrimial (high-end credit consolidation), Starto (100% digital refinancing), A.M.I. and Afilia (networks for independent intermediaries), and My/Comparateur (cloud-based insurance comparison platform). The group serves approximately 550 employees and 600 independent concessionaires/mandataires across France, with 150+ physical locations financing over 1.2 billion euros in real estate credit and 720 million euros in credit consolidation annually.

Differentiator

Problem solved

Functional benefit

Brands

• Ymanci: Marque phare du groupe spécialisée en regroupement de crédits, prêt immobilier et assurance avec plus de 135 agences en France.
• Simply Miob
• Prêt à Assurer
• Patrimial
• Starto
• AMI (Association des Mandataires Indépendants)
• Afilia
• My/Comparateur

Products and services

• Ymanci

Quantifiable outcome

• Over 20% market share in credit consolidation in France
• +5 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Prêt à AssurercoreStrategic or Co-development Partner · 29 March 2022Premista acquired Prêt à Assurer (www.pretaassurer.fr), a specialist insurance broker with 15 years of expertise in personal insurance. The acquisition extended Premista's insurance offering to include complementary health insurance products, aligned with the group's multi-specialist brokerage strategy.
• MyComparateur / SilverstarkcoreTechnology or Integration · 24 July 2019Premista acquired MyComparateur in January 2019 (completed July 2019), a cloud-based independent insurance comparison platform dedicated to credit and insurance brokers. MyComparateur analyzes over 700 insurance formulas and had priced over €8 billion in mortgage loans by 2018. The platform added a digital and insurance pillar to Premista's group.
• Major French Banks (Mandant Banking Partners)coreChannel Partner/ Reseller/ DistributorPremista's group companies act as authorized agents (mandataires) for the largest French banks, enabling them to offer competitive credit consolidation, mortgage, and insurance products. This banking mandate network is foundational to the group's operations and scale (€1.9B+ in annual financing volume).
• Insurance Companies (via MyComparateur)coreChannel Partner/ Reseller/ DistributorMyComparateur works in liaison with insurance companies and wholesale brokers, providing them visibility by integrating them into its comparison platform. Over 700 insurance formula options are available for comparison.
• Health Insurance Brokers (via MyComparateur Santé)minorChannel Partner/ Reseller/ DistributorFollowing the expansion of MyComparateur into health insurance comparison (September 2019), the platform now supports brokers specializing in health insurance and personal protection (classic health mutual, TNS or senior mutual, and provident insurance).

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/premista

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries8 records

Funding overview

Funding rounds1 record

Investors1 record

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 Premista