Le partenaire

What Le partenaire does

Le Partenaire, operated by SAS GAIA (RCS Orléans B 843 267 600, ORIAS 21007590), is a French online financial intermediary headquartered in Ingré near Orléans. The company combines a mortgage, consumer credit and debt-consolidation brokerage with an insurance and guarantees distribution arm and a national real estate classifieds platform, serving French individual borrowers (primo-accédants, secundo-accédants, buy-to-let investors, landlords, seniors) as well as a B2B channel of real estate agents, builders and promoters who refer clients under a commission-based prescription programme. Its core platform is the le-partenaire.fr portal, which hosts a suite of online calculators (mensualité, capacité d'emprunt, PTZ, frais de notaire, Pinel, rentabilité locative), a bank-by-bank mortgage comparator positioned as unique in France, simulation engines for consumer credit, debt consolidation and multiple insurance lines, and an authenticated client portal (le-partenaire.eloa.io). The platform aggregates 476,504 real estate listings across all French metropolitan and overseas regions, with 764 verified client reviews averaging 4.69/5 and a Finance Innovation label displayed sitewide.

Name

Le partenaire

Legal name

GAIA SAS

Website

https://le-partenaire.fr

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Orléans

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Courtage en opérations de banque et services de paiement: Brokerage commission on mortgage, consumer credit and debt consolidation operations intermediated via the platform. ORIAS registration 21007590 as Courtier en opération de banque et services de paiements.
2. Courtage d'assurance et de réassurance (COA): Brokerage commissions on insurance products: borrower insurance, home insurance, resale guarantee, unpaid rent guarantee and family protection. ORIAS registration as Courtier d'assurance ou de réassurance.
3. Commissions de prescription B2B (professionnels de l'immobilier): Per-prescription commissions paid by Le Partenaire to real estate professionals (agents, builders, promoters) who refer clients to its services. Targeted channel for consolidating sales, increasing market share and retaining clients.
4. Diffusion d'annonces immobilières: Revenue from listing and distributing real estate ads across the 476,504-listing platform for transactions, new builds, construction and senior residences; free ad posting advertised for individuals and professionals.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels8 records

Core offering

Le Partenaire (operated by GAIA SAS, ORIAS 21007590) runs an online brokerage platform that intermediates mortgage loans, consumer credit and debt consolidation with multiple French banks, alongside insurance brokerage (borrower, home, family protection, resale guarantee, unpaid rent guarantee). The platform also hosts a national real estate classifieds portal of 476,504 listings covering sale, rental, new build, construction and viager across all French regions, supported by free online simulators and a bank-by-bank mortgage comparator.

Product overview

Le Partenaire (SAS GAIA, ORIAS 21007590) operates a single brokerage portal that combines credit intermediation, insurance distribution and real-estate listing services rather than a multi-product SaaS suite. The platform is organised around three pillars – Crédits (mortgage, consumer and credit-consolidation brokerage), Assurances & Garanties (borrower, home, family, resale and unpaid-rent cover) and Immobilier / Défiscalisation (classifieds, Pinel, viager, senior residences, construction) – supported by an authenticated client portal (Espace client on ELOA) and a separate B2B programme for real-estate professionals that resells the same product set. Mortgage, consumer-credit and consolidation flows each come with dedicated simulation calculators and rate-comparison tools, while the insurance pillar layers pricing, subscription and rate simulators on top of regulatory guides (Loi Hamon, Loi Bourquin, Loi Lemoine).

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit immobilier (Mortgage loan brokerage) Brokerage of mortgage loans for property purchase (PTZ, PEL/CEL, prêt relais, prêt in fine, PAS, 1% employeur, PSLA, conventionné) targeting French individual borrowers; includes a bank-by-bank comparator and a borrower profile updated monthly with national data.
• Crédit consommation (Consumer credit brokerage) Consumer credit brokerage for personal loans, auto loans, renovation loans and student loans, available to French individuals with no-obligation online simulation.
• Rachat de crédits (Debt consolidation brokerage) Refinancing of existing consumer and/or mortgage loans into a single new loan for French borrowers looking to lower monthly payments and reduce debt ratio.
• Assurance emprunteur (Borrower insurance) Delegated borrower insurance brokerage for French mortgage holders, positioned to deliver up to 70% savings versus the bank group contract and covering death/disability and job-loss guarantees.
• Assurance habitation (Home insurance) Multi-risk home insurance brokerage for tenants, owner-occupiers and non-occupying owners (PNO), advertised to deliver up to 25% savings versus standard market offers.
• Prévoyance familiale (Family protection) Accident-focused family protection contract guaranteeing up to 50,000 EUR of capital for medical, in-home, school and traffic accidents across the whole household.
• Garantie revente (Resale guarantee) Cover that compensates up to 20% of the purchase price when a property is resold under qualifying loss events, available to French property owners.
• Garantie loyers impayés (Unpaid rent guarantee) Landlord cover for unpaid rents that is 100% deductible from rental income for tax purposes, targeted at French landlords (bailleurs).
• Annonces immobilières (Real estate classifieds platform) National real estate classifieds portal aggregating 476,504 listings for sale, rental, new build, construction and viager across all French regions, with free ad posting for individuals and professionals and email alerts.
• Services pour professionnels de l'immobilier (B2B partner programme) B2B partner programme for real estate agents, builders and promoters who prescribe clients to Le Partenaire for financing, insurance and related services and earn commissions on each referral.

Quantifiable outcome

• Up to 70% savings on borrower insurance versus bank group insurance
• +9 more outcomes

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core infrastructure, critical regulatory, brand / credibility, mandatory regulatory, secondary, product/distribution and core distribution.

• OVHcore infrastructureOthersOVH hosts the le-partenaire.fr website and associated infrastructure for SAS GAIA. Hosting partnership disclosed on the Mentions Légales page.
• ORIAScritical regulatoryOthersLe Partenaire (SAS GAIA) is registered with ORIAS under number 21007590 as Courtier en opération de banque et services de paiements and as Courtier d'assurance ou de réassurance (COA). ORIAS registration is the mandatory regulatory framework for French banking and insurance intermediaries.
• Finance Innovationbrand / credibilityOthersLe Partenaire is labelled by Finance Innovation (finance-innovation.org), the French innovation cluster for finance. The label logo is displayed in the site footer with a link to the cluster's website.
• NM CONSOmandatory regulatoryOthersNM CONSO (N2 Rue de Colmar, 94300 Vincennes) is the mediator for credit-related complaints referred by unsatisfied customers of GAIA - Service Médiation. Designated under articles L.611-1 et seq. of the French Consumer Code.
• La Médiation de l'Assurancemandatory regulatoryOthersLa Médiation de l'Assurance (TSA 50110, 75441 Paris Cedex 09) is the mediator for insurance-related complaints for Le Partenaire customers, per articles L.611-1 et seq. of the French Consumer Code.
• CNILmandatory regulatoryOthersLe-Partenaire.fr is declared to the CNIL (Commission Nationale Informatique et Libertés) under declaration number 1681378, governing the collection and processing of personal data on the site.
• YouTube (Google)secondaryGTM or Marketing PartnerLe-Partenaire.fr maintains an official YouTube channel (youtube.com/channel/UCJ5stdb6dMEVcu6L_WC3aJQ) hosting video presentations of its mortgage, insurance and real estate services; linked from the homepage.
• Oradéa Vieproduct/distributionOEM/ Whitelabel/ Licensing PartnerOradéa Vie is featured in an August 2025 editorial article ("Oradéa Vie, la meilleure assurance de prêt immobilier ?") as a borrower insurance provider referenced by Le Partenaire; indicates a distribution or product relationship for borrower insurance products.
• Constructeurs de maisons individuelles (Eclosia programme, Trignac)core distributionChannel Partner/ Reseller/ DistributorLe Partenaire distributes new-build and construction listings (e.g. programme immobilier "Eclosia" and "Eclosia - Primo accédants" in Trignac, 44570) sourced from partner constructors and promoters; pricing examples shown in €/month correspond to simulated mortgage payments via Le Partenaire.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Meilleurtaux: Meilleurtaux is the largest French mortgage and credit broker, offering online simulations, bank rate comparison and delegation of insurance. It is directly comparable to Le Partenaire on credit brokerage, insurance cross-sell and bank comparator features, though it operates at substantially larger scale.
• Cafpi: Cafpi is a major French mortgage broker with a national branch network and online simulations, intermediating mortgage, consumer credit and insurance products. It is directly comparable to Le Partenaire's core credit brokerage and insurance distribution model, with similar bank-comparator positioning but a stronger physical presence.
• Pretto: Pretto is a French online-first mortgage broker offering simulations, bank comparison and borrower insurance delegation. It competes head-to-head with Le Partenaire on D2C online brokerage, calculettes and delegated borrower insurance, with a stronger digital brand but narrower product set.
• Magnolia (Courtage): Magnolia is a French mortgage and insurance broker with online simulations and a B2B prescriber network for real estate professionals. It mirrors Le Partenaire's D2C + B2B dual motion and similar product breadth in mortgage, rachat de crédits and insurance.
• Younited Credit: Younited Credit is a French-regulated consumer credit platform offering personal loans, debt consolidation and credit simulations online. It overlaps directly with Le Partenaire's consumer credit and rachat de crédits brokerage, though as a regulated lender rather than a broker.
• Solutis: Solutis is a French mortgage and credit broker active nationally with online simulations and insurance delegation. It is directly comparable to Le Partenaire on credit intermediation and borrower insurance positioning within the same French brokerage market.
• SeLoger: SeLoger is one of France's largest real estate classifieds portals, aggregating sale, rental and new-build listings nationally. It competes directly with Le Partenaire's 476,504-listing marketplace and is an adjacency risk for the listings-driven lead generation that feeds the credit and insurance verticals.
• Bien'ici: Bien'ici is a French real estate aggregator owned by Axel Springer, centralizing listings from major portals and agencies. It is directly comparable to Le Partenaire's listing aggregation and represents a competing funnel for property-seeking French consumers.

Broad incumbents

• Boursorama Banque: Boursorama is a leading French online bank offering mortgage brokering, consumer credit, home insurance and savings products as part of a broader retail-banking portfolio. It is comparable as a broad digital incumbent whose product set overlaps with Le Partenaire's credit, insurance and savings-adjacent offerings.

Emerging players

• HelloPrêt: HelloPrêt is a French online mortgage broker offering simulations, bank comparison and insurance delegation with a digital-first approach. It is an emerging player with meaningful overlap to Le Partenaire's D2C credit brokerage and bank comparator positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCJ5stdb6dMEVcu6L_WC3aJQ
• Xx.com/Le_Partenaire
• Facebookfacebook.com/lepartenaire.fr

Compliance5 records

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 Le partenaire