What Creatis does

Creatis is a French credit consolidation specialist (rachat de crédits) founded in 1998 and headquartered in Villeneuve d'Ascq. The company is structured as a Société Anonyme à Conseil d'Administration with €52,900,000 in share capital, and is indirectly owned at more than 10% by Banque Fédérative du Crédit Mutuel, the parent of the Crédit Mutuel Alliance Fédérale banking group. Creatis operates as a licensed credit establishment under ACPR supervision and as a registered ORIAS insurance intermediary (number 07 005 776), serving French consumer households — both property owners and tenants — who seek to combine multiple existing loans into a single obligation with one monthly payment.

The company's product surface comprises four credit consolidation variants: consumer credit consolidation, mortgage-backed consolidation, real estate consolidation, and a "projets" variant that bundles additional financing for new projects. Distribution is entirely direct-to-consumer, executed through a French-language website (creatis.fr), an online simulation tool, phone-based advisor support (Monday–Saturday), an iOS/Android mobile application (CREATIS – Le Pouvoir d'Agir) with Confirmation Mobile strong authentication, electronic signature, and a secure client portal. Accessibility is differentiated via a Deafi partnership offering French Sign Language interpretation. Borrower insurance is distributed in partnership with ACM VIE SA and SERENIS ASSURANCES SA, while adjacent financial wellness services are extended through partnerships with Papernest (utility contract management) and Fondation CRÉSUS (budget management application).

Creatis monetizes through three principal streams: interest income on consolidated loans it originates, processing fees as a percentage of the borrowed amount, and insurance distribution commissions from ACM VIE SA and SERENIS ASSURANCES SA. Pricing is personalized per dossier; an illustrative case study shows a €55,000 consumer consolidation at a 5.63% fixed nominal rate (TAEG 6.16%) over 144 monthly payments of €526.25. Marketing is content-led and SEO-focused, with active presence on Facebook, LinkedIn, and YouTube, supported by a partner referral portal (Espace Partenaire).

Name

Creatis

Legal name

Creatis - Société Anonyme à Conseil d'Administration

Website

https://www.creatis.fr

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

Creatis provides financial and banking services.

Ownership category

akta.pro rank

Headquarters

HQ city

Villeneuve

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Consolidation Interest Income: Creatis earns interest revenue on consolidated loans extended to customers. The company acts as a credit establishment providing credit consolidation services, with interest calculated based on fixed rates and integrated into the monthly payment structure.
2. Insurance Distribution Commission: Creatis receives commission from insurance companies (ACM VIE SA and SERENIS ASSURANCES SA) for distributing borrower insurance products in connection with credit agreements. This commission is received for distribution and management of insurance contracts.
3. Processing Fees: Application processing fees charged as a percentage of the borrowed amount for credit consolidation services, integrated into the total financing cost.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Creatis is a French financial services intermediary that specializes in credit consolidation (rachat de crédits) for individuals. The company restructures existing consumer and mortgage debt into a single, more manageable loan with adjusted terms, and also provides real estate and project financing products alongside digital self-service tools for simulation and contract management.

Product overview

Creatis is a credit consolidation specialist offering a unified platform for regrouping multiple loans into a single new loan. The core offering consists of credit consolidation products differentiated by loan type: Rachat de crédits consommation (consumer loans), Rachat de crédits hypothécaire (mortgage-backed consolidation), Rachat de crédits projets (consolidation with additional cash reserve), and Rachat de crédits immobilier (real estate-focused consolidation). These products are supported by digital services including an online simulation tool, the Confirmation Mobile authentication service, the mobile application CREATIS – Le Pouvoir d'Agir, and a client portal. Add-on services include borrower insurance offered through partners ACM VIE SA and SERENIS ASSURANCES SA. The company has been operating since 1998.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Credit Consolidation
• Mortgage-Backed Credit Consolidation
• Real Estate Financing
• Project Financing

Quantifiable outcome

• Example case: €55,000 consumer credit consolidation with fixed rate of 5.63%, TAEG 6.16%, 144 monthly payments of €526.25 resulting in total amount due of €75,779.39
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ACM VIE SAcoreOthersPrimary insurance partner providing borrower insurance products (death, disability, incapacity coverage) distributed by Creatis to credit consolidation customers. Creatis receives commission for insurance distribution and management services.
• SERENIS ASSURANCES SAcoreOthersInsurance partner providing borrower insurance products distributed by Creatis. Works alongside ACM VIE SA to offer comprehensive coverage options for consolidation loan borrowers.
• Fondation CRÉSUSminorStrategic or Co-development PartnerPartnership with French financial education foundation providing free Budget Grande Vitesse application for customer budget management and financial education. CRÉSUS operates 117 regional offices with 540 expert volunteers.
• PapernestminorStrategic or Co-development PartnerService partnership enabling Creatis to recommend Papernest's contract and subscription management solution to customers seeking to centralize and simplify management of utility and service contracts (electricity, internet, insurance, mobile plans).

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Cofidis: French consumer credit specialist and fellow Crédit Mutuel group entity, directly comparable to Creatis in target customer, product set (personal loans, credit consolidation, refinancing), and regulatory status as an ACPR-regulated credit establishment.
• Younited Credit: French consumer credit and credit consolidation fintech offering online personal loans and debt consolidation to French households; competes head-to-head with Creatis on the digital DTC origination experience.
• Solutis: French credit consolidation (rachat de crédits) specialist serving both owners and tenants with mortgage-backed and consumer consolidation, mirroring Creatis's product matrix and target segments.
• MyMoneyBank: French consumer credit lender (formerly GE Money Bank) active in personal loans, credit consolidation, and refinancing; overlaps with Creatis on consolidation products and French retail consumer base.
• Cetelem: BNP Paribas Personal Finance consumer credit brand offering personal loans, credit cards, and credit consolidation in France; directly comparable in target customer and core consolidation offering.
• Floa Bank: French consumer credit and split-payment lender (BNP Paribas group) offering personal loans and credit consolidation online; comparable digital DTC motion and product set to Creatis.
• CGI (Compagnie Générale d'Investissement): Independent French credit consolidation broker/operator offering rachat de crédits for both owners and tenants; comparable niche focus and customer segments to Creatis.

Broad incumbents

• Crédit Agricole Consumer Finance: Major French consumer credit arm of Crédit Agricole offering personal loans and consolidation as part of a broader banking group product portfolio; comparable in consumer credit offering but much larger and broader than Creatis.
• Boursorama Banque: French online bank (Société Générale subsidiary) offering consumer credit and refinancing alongside a broad banking product set; comparable digital delivery motion but broader incumbent scope than Creatis.
• BNP Paribas Personal Finance: Parent of Cetelem and Floa Bank, BNP Paribas Personal Finance is the largest French consumer credit player with extensive consolidation offerings; a broad incumbent whose consumer credit division competes directly with Creatis across product lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@creatis7672/playlists
• Facebookfr-fr.facebook.com/CreatisFR
• LinkedInfr.linkedin.com/company/creatisfr

Revenue estimate

Valuation estimate

Number of profiles

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 Creatis