Credixia
Credixia is a Paris-based mortgage brokerage firm intermediating real estate financing for individual borrowers across Île-de-France via nine agencies, a franchise network, and 100+ banking and insurance partners.
- Company typePrivate
- Founded1999
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Credixia does
Credixia is a Paris-based mortgage brokerage firm operating as a SAS with €300,000 of share capital and between 11 and 50 employees. Founded in 1999, the company intermediates real estate financing for individual borrowers across Île-de-France, acting as a regulated intermediary (ORIAS registration 08 045 429, AFIB member, ACPR-supervised) between clients and a panel of 100+ banking and insurance partners. Its core products include mortgage brokerage for primary residences, secondary residences, and rental investments, alongside coverage of PTZ, LBO, and OBO financing structures, with loan insurance intermediation handled through subsidiary INIXIA.
The firm operates a hybrid distribution model combining nine physical agencies across Île-de-France, an online platform with mortgage and rental investment simulators, phone advisory, and a franchise network for distributed growth. Its revenue model is primarily commission-based on partner placements, supplemented by a fixed fee of €1,900 TTC on standard mortgage files, while fees for primary residence, secondary residence, and first rental investment files are waived. The customer base is B2C, composed of individual homebuyers and real estate investors in the Paris region, with no disclosed enterprise or institutional clients.
The business model is structurally a relationship-and-distribution business: the franchise and agency network drives borrower acquisition, while the breadth of the banking and insurance partner panel determines the competitiveness of the rate offers presented to clients. There is no indication of proprietary technology, AI/ML systems, or data products in the input; the online simulators are deterministic calculation tools, and the firm's core competency is broker expertise and partner relationships rather than software.
Credixia firmographics
Firmographics- Name
- Credixia
- Legal name
- CREDIXIA
- Website
- https://credixia.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Credixia is a Paris-based mortgage brokerage firm intermediating real estate financing for individual borrowers across Île-de-France via nine agencies, a franchise network, and 100+ banking and insurance partners.
- Ownership category
- akta.pro rank
Credixia industry classification
Industry- Product category
- Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Commercial Real Estate (CRE) Mortgage Origination (FSALADAA)
Keywords
Where Credixia is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices9 records
Markets served
Credixia business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Transaction/Commission Fees: Fixed fee of 1900€ TTC for all mortgage loan files for individuals (excluding complex projects). The company acts as intermediary between borrowers and banking partners, earning commissions from banks for placing loans.
- Zero File Fees for Primary Residence: Free file fees for financing of primary residence, secondary residence, and first rental investment
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | One time/ perpetual license | Standard mortgage brokerage service |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Credixia product offering
Product offeringCore offering
Credixia is an independent mortgage brokerage firm that intermediates between individual borrowers and a network of more than 100 partner banks and insurance companies across Île-de-France, France. It helps clients secure residential mortgages (primary residence, secondary residence, rental investment), loan insurance, credit refinancing and consolidation, professional financing (LBO, OBO, franchise, SCI, holding), zero-interest government loans (PTZ), reverse mortgages, and consumer credit, delivered through a hybrid model of online simulators and nine physical agencies at a flat fee of 1900€ TTC for standard individual files.
Product overview
Credixia is a Paris-based mortgage brokerage firm founded in 1999, operating as both an online platform and physical agency network across Île-de-France. The company functions as an independent broker (no exclusivity with financial institutions) offering a unified service model. Its core portfolio includes credit brokerage for residential mortgages, professional loans, credit consolidation, and loan insurance, supported by free online calculation simulators. The CREDIXIA offering is structured around a fixed fee of 1900€ TTC for standard residential mortgage files, with services delivered through a network of over 100 banking partners. Additional offerings include investment property advisory, PTZ (zero-interest government loans), and professional financing solutions (LBO, SCI, franchise financing). The company differentiates through its hybrid online/offline model combining digital simulators with physical agency locations across the Paris region.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit Immobilier (Mortgage Brokerage)
- Assurance de Prêt (Loan Insurance Brokerage)
Quantifiable outcome
- Fixed fee of 1900€ TTC for all individual mortgage files
- +1 more outcomes
Companies that use Credixia
Customer profileSegments3 records
Ideal customer profiles3 records
Credixia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Credixia partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- 100+ Banking PartnerscoreNetwork of more than 100 banking establishments and insurance partners providing Credixia clients access to competitive mortgage rates and diverse financing solutions. The company is independent from all financial institutions, allowing unbiased advice.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Credixia competitors and assessment
Company assessmentEmerging players
- Younited Credit: French fintech lender/broker offering consumer credit and increasingly mortgage-related products through a digital platform. Comparable to Credixia's consumer-credit and professional-financing activity, but operates a more capital-intensive balance-sheet model.
Direct peers
- Cafpi: Historic French mortgage broker with a national agency network and bank-partner intermediation model. Closely comparable to Credixia's hybrid agency-plus-partner-bank structure and core product of residential mortgage brokerage.
- Empruntis: French mortgage and credit broker (now part of the OpSeens group) offering residential mortgage brokerage through a network of partner banks. Comparable in intermediation model, customer base (individual homebuyers), and French regulatory perimeter.
- Vousfinancer: French mortgage broker with a franchise-style local agency network serving individual borrowers. Directly comparable to Credixia's hybrid online-plus-agency intermediation model and reliance on partner-bank commissions.
- Meilleurtaux: One of France's largest independent mortgage and insurance broker networks. Directly comparable to Credixia in that it arranges residential mortgage financing through a panel of partner banks and charges borrower fees, competing for the same Île-de-France and national consumer segments.
- Magnolia Courtage: French mortgage broker focused on residential and investment-property financing through partner-bank intermediation. Comparable to Credixia's residential-and-rental-investment product mix and independent brokerage positioning.
- Pretto: Online-first French mortgage broker that pairs digital tools with human advisors. Comparable to Credixia in service scope (mortgage brokerage across partner banks) and target borrower, though it competes more on digital UX than on physical agencies.
- BoursedesCrédits: French mortgage and credit broker (subsidiary of Compagnie Financière Tradition) arranging residential mortgages through partner banks. Directly comparable to Credixia in intermediation activity and core product set including consolidation and credit restructuring.
- AB Courtage: Independent French mortgage broker arranging residential and professional loans via partner banks. Comparable to Credixia's professional-loan and residential brokerage mix, with similar Île-de-France customer overlap.
Broad incumbents
- BNP Paribas (Mortgage Division): Major French retail bank originating residential mortgages directly and competing with Credixia for borrowers; also one of Credixia's 100+ banking partners. Comparable because it is both a competitor and a wholesale counterparty in the same French mortgage market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Credixia social profiles
Digital presenceCredixia compliance and trust
Trust signalCompliance5 records
Credixia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credixia leadership team
Management profileNumber of profiles
Profiles1 record
Credixia subsidiaries and ownership
Company hierarchySubsidiaries1 record
Credixia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credixia 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 Credixia
What does Credixia do?
Credixia is an independent mortgage brokerage firm that intermediates between individual borrowers and a network of more than 100 partner banks and insurance companies across Île-de-France, France. It helps clients secure residential mortgages (primary residence, secondary residence, rental investment), loan insurance, credit refinancing and consolidation, professional financing (LBO, OBO, franchise, SCI, holding), zero-interest government loans (PTZ), reverse mortgages, and consumer credit, delivered through a hybrid model of online simulators and nine physical agencies at a flat fee of 1900€ TTC for standard individual files.
Is Credixia a public or private company?
Credixia is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Credixia founded?
Credixia was founded in 1999. It employs 11 to 50 people.
Where is Credixia based?
Credixia is headquartered in Paris, France, in the Europe region.
How does Credixia make money?
Two revenue lines are on record. Transaction/Commission Fees are the primary driver. The others are zero File Fees for Primary Residence.
Who are Credixia's main competitors?
Younited Credit is listed as an emerging player. Direct peers are Cafpi, Empruntis, Vousfinancer, Meilleurtaux, Magnolia Courtage, Pretto, BoursedesCrédits and AB Courtage. BNP Paribas (Mortgage Division) is listed as a broad incumbent.
Does Credixia have an API?
No public API is recorded for Credixia.
What industry is Credixia in?
Credixia's product category is Mortgage Brokerage Services. Its primary akta.pro industry code is FSALADAA, Commercial Real Estate (CRE) Mortgage Origination. Its NAICS code is 522310 and its SIC code is 6163.