Crédistor

What Crédistor does

Crédistor is a French non-exclusive banking intermediary (mandataire non exclusif en opérations de banque) and insurance broker, founded in 2010 and headquartered in Nancy, France, operating as a subsidiary of Groupe Empruntis. The company specializes in credit consolidation (rachat de crédits) for individual consumers across Metropolitan France, helping over-indebted homeowners and tenants regroup multiple outstanding loans—consumer credit, mortgage, revolving credit, and other debts—into a single, extended-term loan with a reduced monthly payment. The company reports 530,000+ (homepage messaging frames 600,000+) requests processed since 2010 and a 97% internal client satisfaction rate (2015 survey).

The platform combines online simulation tools (debt-to-income ratio calculator, amortization schedule simulator, and multi-step credit consolidation application), the POWENS-powered client portal (suiviclient.credistor.com) for real-time dossier tracking and secure bank data sharing, and the DIABOLOCOM AI call center platform for telephone interaction recording, quality evaluation, and anomaly detection. The company maintains ISO 9001 certification, ORIAS registration n° 10 058 180, ACPR supervision, and CNIL registration n° 1460407, with a headcount of approximately 60 financial experts (broader company headcount 51–100).

Crédistor generates revenue exclusively through broker commissions paid by partner banks upon successful loan consolidation file closure and fund disbursement, with no fees charged to clients prior to disbursement. The curated partner network of 11+ banks (BNP Paribas Personal Finance, Crédit Agricole Consumer Finance via Sofinco, My Money Bank, Younited, Créatis, CGI, CFCAL, La Banque Postale Consumer Finance, ONEY Bank) and 5+ insurance partners (Kereis Solutions, Neoliane Santé) provides offer diversification without balance sheet risk. Customer acquisition is sales-led via digital simulation, with a 24-hour principle response guarantee (weekdays) and dedicated account manager guidance throughout the dossier process. The offering is segmented into Propriétaires (homeowners with mortgage consolidation) and Locataires (renters with consumer credit consolidation) solutions, supplemented by credit restructuring (réaménagement de crédits) and integrated new-project financing.

Name

Crédistor

Legal name

CRÉDISTOR, SAS

Website

https://credistor.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Crédistor is a French non-exclusive banking intermediary that specializes in credit consolidation (rachat de crédits) for over-indebted homeowners and tenants across Metropolitan France. Operating as a subsidiary of Groupe Empruntis since 2010, it routes client applications through a network of 11+ partner banks and earns commission on closed files.

Ownership category

akta.pro rank

Headquarters

HQ city

Marcq-en-baroeul

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, Others

Revenue model

1. Broker Commission on Loan Consolidation Operations: Crédistor acts as a non-exclusive banking intermediary (mandataire non exclusif en opérations de banque). When a client's loan consolidation dossier is accepted by one of the partner banks and funds are effectively disbursed, Crédistor earns a commission from that partner bank. No fee is charged to the client before fund disbursement. The intermediary does not receive payment for refused dossiers or simulations not followed by a file.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Crédistor is a non-exclusive French banking and insurance intermediary (IOBSP) that helps individual consumers consolidate multiple outstanding loans (consumer credit, mortgage, revolving credit) into a single new loan with reduced monthly payments and longer repayment terms. It operates through a free online simulation platform, a Powens-powered client portal for dossier tracking, and a network of 11+ partner banks and insurance providers, earning commission only from partner banks upon successful disbursement.

Product overview

Crédistor is a non-exclusive intermediary in banking operations and insurance (IOBSP, COA/MIA), registered with ORIAS under number 10 058 180, operating as a subsidiary of Groupe Empruntis. Its core product is credit consolidation (rachat de crédits) — the regrouping of multiple outstanding loans (consumer credit, mortgage, revolving credit, and other debts) into a single new loan with a reduced monthly payment and extended repayment term. The company offers an online simulation platform, a client follow-up portal, and supplementary tools including a debt-to-income ratio calculator and an amortization schedule simulator. Solutions are differentiated for homeowners (including mortgage consolidation) and tenants/non-owners (consumer credit consolidation). Additional offerings include credit restructuring (réaménagement) and integrated new-project financing. The company works exclusively with partner banking institutions and insurance providers, passing customer data to these partners for loan acceptance and processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Credit Consolidation Simulation (Simulation de rachat de crédit en ligne) A free, non-binding online simulation tool that lets prospects enter their financial situation (project type, outstanding credits, monthly income, professional status, banking record) and receive a personalised regroupment proposal sourced from Crédistor's partner-bank network. It is the primary entry point for individual consumers (owners and tenants) seeking credit consolidation or new-project financing.
• Secure Client Portal (Suivi client / Mon espace client) A Powens-powered secure client portal enabling individual clients to monitor their credit consolidation dossier in real time, share financial data with Crédistor and partner banks, transfer documents, and access account information throughout the application and disbursement process.
• Debt-to-Income Ratio Calculator (Simulateur de taux d'endettement) A free financial-health tool that calculates a user's debt-to-income ratio based on monthly resources and existing credit obligations, helping individual consumers determine whether a credit consolidation may be relevant to their situation. Accessible without registration.
• Loan Amortization Schedule Simulator (Simulateur de tableau d'amortissement) A free loan amortization calculator that allows users to input loan amount, annual interest rate, duration, and payment frequency to generate a detailed repayment schedule, accessible on the website without registration.
• Homeowner Credit Consolidation Solutions (Solutions Propriétaires) Credit consolidation service tailored for French property owners holding one or more active mortgage or consumer loans; allows grouping all outstanding debts (including mortgages) into a single consolidated loan with reduced monthly payment, with potential savings of up to -60%.
• Tenant Credit Consolidation Solutions (Solutions Locataires) Credit consolidation service for French tenants and non-property owners with multiple consumer credits (auto, works, revolving, miscellaneous); allows regrouping all debts into a single monthly payment without pledging property, and can integrate project financing (auto, works) into the consolidated payment.
• Credit Restructuring (Réaménagement de crédits) A credit restructuring service that renegotiates the terms of an existing loan with the original lender, formalised through an amendment (avenants), allowing borrowers to adjust their repayment conditions without fully refinancing through a new loan.
• Integrated New Project Financing (Financement de nouveau projet intégré) A financing offering allowing borrowers to include a new project (home improvements, vehicle purchase, other spending needs) within a consolidated monthly payment that remains reduced or stable, enabling new projects without abandoning quality of life or budget control.

Quantifiable outcome

• Monthly payments reduced by up to 60%
• +3 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and major.

• POWENScoreTechnology or IntegrationPOWENS provides the client portal infrastructure (suiviclient.credistor.com) enabling Crédistor clients to share financial data securely and track their dossier progress in real time. POWENS data is shared with Crédistor and partner banks to facilitate file management.
• DIABOLOCOMmajorTechnology or IntegrationDIABOLOCOM is the AI-powered call center platform used by Crédistor to record, structure, and analyze telephone conversations with clients for quality management, compliance with insurance code recording obligations, and advisor performance evaluation.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Pretto: French online mortgage broker with a digital simulation-led funnel; similar GTM motion to Crédistor in the mortgage/restructuring space, though more focused on purchase financing than consolidation.
• Floa Bank: Digital French consumer credit and payment player offering personal loans and buy-now-pay-later products; targets similar digital-first consumers and overlaps in the consolidation/credit refinancing category.

Direct peers

• Younited Credit: French consumer credit platform that both lends directly and operates as a partner bank in Crédistor's network; targets similar borrowers with personal loans and credit consolidation products.
• Sofinco (Crédit Agricole Consumer Finance): French consumer credit brand of Crédit Agricole Consumer Finance, active in personal loans, credit consolidation, and project financing; serves as both a competitor and a partner bank in Crédistor's network.
• Meilleurtaux: French loan and insurance brokerage platform aggregating offers from multiple banks; comparable intermediation model across mortgage and consumer credit, including credit consolidation.
• Cofidis: Major French consumer credit specialist (subsidiary of Crédit Mutuel) offering personal loans and credit restructuring directly to households, competing for the same consolidation demand as Crédistor.
• Partners Finances: French credit consolidation broker (IOBSP) operating as a non-exclusive banking intermediary, closely mirroring Crédistor's business model of intermediating rachat de crédits between consumers and partner banks.

Broad incumbents

• BNP Paribas Personal Finance (Cetelem): Large French consumer credit incumbent and Crédistor partner bank; provides credit consolidation financing directly via its own brands, creating both partnership and competitive overlap.
• Boursorama Banque: Major French online bank offering consumer credit and mortgage products directly to retail customers; increasingly competes with intermediaries like Crédistor through its own digital acquisition channel.

Others

• Powens: Open banking / data aggregation platform that powers Crédistor's client portal (suiviclient.credistor.com); an infrastructure partner rather than a competitor, but ecosystem-adjacent to the credit intermediation value chain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Credistor
• Facebookfacebook.com/Credistor

Compliance1 record

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 Crédistor