What Conciliaprêt does

Conciliaprêt is a French private debt mediation and refinancing firm founded in 2013, headquartered in Lyon with additional offices in Paris and Marseille. The company specializes in amicable debt conciliation services for over-indebted individuals — particularly those registered at the Banque de France (FICP/FCC files) and facing creditor enforcement actions — as well as for legal entities (SCI, commercial companies, associations) in commercial debt difficulty. Its core offering is a structured 4-step methodology (Analysis, Conciliation, Solution Portage, Refinancing) executed by a team of in-house legal conciliators, supported by a proprietary solidarity fund that the company mobilizes within days to settle negotiated agreements with creditors, acting as a temporary bridge creditor until partner banks arrange replacement financing.

The company holds an ACPR license as credit manager under Banque de France supervision and self-describes as the only actor in France offering this structured amicable debt conciliation device. The business model is success-based: no filing fees, no upfront costs, and eligibility is gated by a minimum of €6,000 in total contentious debt. Conciliaprêt's compensation derives from a share of the debt reductions (principal, interest, penalties) that creditors concede during negotiation, with average case resolution in 4–6 weeks. Distribution combines direct client intake (eligibility forms, dedicated conciliator assignment) with a formalized partner channel — commissaires de justice, refinancing brokers, consumer defense associations, and prescripteurs — accessed via a dedicated Power Apps partner portal.

Conciliaprêt operates as part of Groupe Conciliaprêt, a privately-held conglomerate that also includes Solidia Invest and Neoprets.com (a refinancing-focused subsidiary). The group has helped over 10,000 people since 2013 and claims 90% client-reported life improvement, with earned media presence in La Tribune, BFM Business, Le Monde, and M6. The company is founder-led (Emmanuel Ducasse) with Jérôme Maton as Director General of the Group, and is privately held with no disclosed external institutional investment.

Name

Conciliaprêt

Legal name

Conciliaprêt

Website

https://conciliapret.fr

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Conciliaprêt is a French ACPR-licensed debt mediation firm founded in 2013 that negotiates amicable settlements for over-indebted individuals and legal entities, operating from Lyon, Paris, and Marseille on a success-fee basis, and has helped 10,000+ clients since inception.

Ownership category

akta.pro rank

Product category

Consumer Debt Mediation and Restructuring Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

akta.pro secondary industries

Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK), Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Insolvency, Restructuring & Bankruptcy Administration (BPAHABAL)

Keywords

• Debt conciliation services
• Consumer debt restructuring
• FICP delisting assistance
• Credit refinancing brokerage
• Amicable debt mediation

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Success-Based Honoraria from Debt Reduction: Conciliaprêt charges no filing fees and no upfront costs. The company is compensated exclusively upon success, drawing its fees from a portion of the debt reductions (principal, interest, penalties) that creditors concede during the amicable conciliation process. This aligns the company's incentives with the client's outcome.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Conciliaprêt provides amicable debt conciliation and restructuring services for over-indebted individuals and legal entities in France. The core offering is a 4-step engagement (Analysis, Conciliation, Solution Portage, Refinancing) in which legal conciliators negotiate directly with all creditors to obtain global settlements, the company mobilizes its own solidarity fund to settle creditor agreements, and arranges single replacement credit through partner banks. The service is delivered with no upfront fees, charging only on success from a share of creditor debt write-downs.

Product overview

Conciliaprêt operates as a specialized debt mediation and restructuring service for individuals and legal entities facing contentious debts. The core offering is the Conciliation amiable de dettes service, supported by complementary modules including personalized accompaniment (A à Z), solution portage using a solidarity fund, debt restructuring, refinancing support, and budgetary coaching. The company negotiates directly with creditors on behalf of debtors to obtain sustainable repayment plans, and does not create new credit but rather reorganizes existing liabilities. The service is accessible to those with at least 6,000€ in contentious debts, including FICP-registered individuals, and operates on a success-only fee model without upfront costs.

Differentiator

Problem solved

Functional benefit

Products and services

• Conciliation amiable de dettes (Amicable debt conciliation) Primary debt mediation service in which Conciliaprêt's legal conciliators negotiate directly with all of a client's creditors to obtain a global repayment plan — including term extensions, interest-rate reductions, and partial abandonment of penalties — without creating new credit. Targets over-indebted French individuals and legal entities with contentious debts above €6,000.
• Restructuration de dettes (Debt restructuring) Debt restructuring service that reorganizes existing debts within the conciliation framework — addressing the existing liability directly rather than originating new credit — with the goal of sustainable repayment aligned to the client's situation.
• Refinancement (Refinancing placement) Refinancing service that accompanies clients in budget management and sourcing suitable financing — placing consolidated replacement credit at partner banks once upstream debts have been settled via the conciliation and solidarity fund process.
• Coaching budgétaire (Budget coaching) Standalone budgetary coaching service helping clients manage finances during and after the conciliation process, reinforcing the sustainability of the negotiated settlement.

Quantifiable outcome

• 90% of clients report Conciliaprêt's support completely or partially changed their lives
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core, secondary and minor.

• Partner banking institutionscoreChannel Partner/ Reseller/ Distributor · 1 January 2013Conciliaprêt maintains a network of partner banking institutions that provide refinancing solutions to clients whose debts have been settled through the conciliation process. Once debts are paid off via the solidarity fund, clients are introduced to partner banks for single consolidated credit arrangements. The company describes sourcing refinancing on behalf of clients through this bank network.
• Commissaires de justice (Judicial officers)coreChannel Partner/ Reseller/ DistributorJudicial officers (formerly huissiers de justice) are listed as partner types in the partner contact form, indicating an established channel relationship for referring clients in debt enforcement situations. These officers encounter indebted individuals at early stages of debt recovery and refer suitable candidates to Conciliaprêt's conciliation process.
• Refinancing brokers (Courtiers en refinancement)coreChannel Partner/ Reseller/ DistributorCredit refinancing brokers are explicitly listed as a partner category, suggesting a referral and co-management relationship where brokers send clients who cannot access traditional refinancing, and Conciliaprêt handles the upstream debt settlement before the broker arranges downstream refinancing.
• Consumer defense associationssecondaryChannel Partner/ Reseller/ DistributorAssociations assisting over-indebted individuals are listed as partner referrers, indicating a channel through which NGOs and consumer advocacy groups direct clients to Conciliaprêt's services when conciliation is appropriate.
• Prescribers (Prescripteurs)secondaryChannel Partner/ Reseller/ DistributorA general 'Prescripteur' category in the partner form indicates referral relationships with social workers, financial advisors, legal aid professionals, or municipal services that encounter over-indebted individuals and direct them to Conciliaprêt.
• MetLifeminorOthersMetLife insurance company representative provided a testimonial on the Conciliaprêt 10-year anniversary page, describing the solution as 'very technical and virtuous' and noting no equivalent exists in the French market. The relationship appears informal rather than formal partnership.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Cofidis: Major French consumer credit and refinancing incumbent serving individuals across France. Comparable to Conciliaprêt as a refinancing channel for indebted households, but operates at materially larger scale and without Conciliaprêt's specialized conciliation and FICP/FCC workflow.
• BNP Paribas: Largest French bank with consumer credit, mortgage, and debt restructuring capabilities. Overlaps with Conciliaprêt as a downstream refinancing provider and as a source of rejected borrowers who become Conciliaprêt clients, but operates broadly rather than specializing in amicable conciliation.
• Crédit Agricole: Major French retail bank offering consumer credit, mortgage consolidation, and over-indebtedness support through its regional Caisses. Comparable as a refinancing counterparty and as a major referrer of over-indebted clients toward specialized solutions like Conciliaprêt.
• Boursorama Banque: Leading French online bank offering consumer credit and refinancing products. Comparable to Conciliaprêt at the refinancing placement stage of the funnel but does not operate the upstream amicable conciliation process.

Others

• Crésus: French non-profit association specializing in support for over-indebted households. Tangentially comparable because it serves the same end-client population and is referenced in Conciliaprêt's media footprint, but operates as a social support association rather than a commercial conciliation provider.

Direct peers

• Younited Credit: French consumer-credit platform offering refinancing and credit consolidation to individuals, including underbanked segments. Comparable to Conciliaprêt because it operates in the French consumer credit and refinancing space with a digital distribution model, though without Conciliaprêt's amicable conciliation and solidarity fund mechanics.
• CréaFinance: French broker specialized in credit restructuring and refinancing for individuals, including those in financial difficulty. Directly comparable to Conciliaprêt because it operates in the same niche of debt restructuring and refinancing intermediation in France.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

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 Conciliaprêt