Operlis

What Operlis does

Operlis is an independent French credit and insurance brokerage founded in 2006 by Sandra and Sébastien Perol in Brive-la-Gaillarde, Corrèze. The company negotiates mortgage loans, consumer credit, credit consolidation, and professional financing for individuals and small businesses, and places borrower insurance, health, provident, retirement, and life insurance products on behalf of clients. It is structured as a group of wholly-owned SARL entities under SARL OPERLIS GROUPE, with separate regional subsidiaries in Brive-la-Gaillarde, Limoges, Bordeaux (opened 2018), and Bayonne (opened 2023), plus a dedicated insurance brokerage subsidiary, SARL OPERLIS ASSURANCE.

The business operates on a commission-based revenue model: advisory services are provided free of charge to clients in accordance with French Murcef law, and Operlis earns transaction commissions from non-exclusive partner banks (including BNP Paribas Personal Finance, Société Générale, La Banque Postale, and Banque CIC) and from approximately 20 insurance companies (including Allianz Vie, Generali, Swiss Life, APRIL, and Cardif). Distribution is primarily through four physical agency locations staffed by in-person advisors, supplemented by remote video/phone consultations, a web-based loan simulator, secure online document submission, and a formal referral network of real estate agents, notaries, and bankers.

Operlis is regulated by ORIAS and supervised by ACPR, holds no external funding, and is founder-owned and operated. Its technology stack is conventional: a WordPress-based corporate website, an online borrowing-capacity calculator, and standard document-handling workflows. The firm relies heavily on local reputation and partner relationships rather than proprietary technology, with 5.0-star Google Business ratings across its main agencies and 1,296+ reviews as the principal intangible asset supporting client acquisition.

Name

Operlis

Legal name

SARL OPERLIS

Website

https://operlis.fr

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Brive-la-gaillarde

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Brokerage Commissions: Operlis acts as intermediary in banking operations, earning commissions from lenders for placing client loans. Works non-exclusively with partner banks and credit institutions.
2. Insurance Brokerage Commissions: Operlis earns commissions from insurance companies for placing borrower insurance, health, provident, retirement and life insurance products. Works without exclusivity with approximately 20 insurance companies.
3. Advisory Services: Free, personalized project studies for clients seeking credit and insurance solutions. Service is provided without advance payment per Murcef law requirements.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Operlis is an independent French credit and insurance brokerage that negotiates with partner banks and insurance companies on behalf of individual and professional clients to secure optimal financing terms and coverage. The company brokers mortgage loans, consumer loans, credit consolidation, and professional financing on the credit side, and borrower, health, provident, retirement and life insurance on the insurance side. Service is delivered free of charge to clients per French Murcef law, with revenue earned via commissions from approximately 20 insurance carriers and multiple partner banks across four regional agencies.

Product overview

Operlis is an independent credit and insurance brokerage platform offering a comprehensive suite of financial products and services. The core credit portfolio includes mortgage loans (Prêt immobilier), consumer loans (Prêt à la consommation), loan consolidation (Regroupement de crédits/Rachat de crédits), and professional financing (Crédit professionnel), supported by an online loan simulator tool. The insurance portfolio encompasses borrower insurance (Assurance emprunteur), health insurance (Santé), providence protection (Prévoyance), retirement planning (Retraite), and life insurance (Assurance vie). Client engagement is enhanced through a referral program and secure document submission service. The company operates across four regional agencies in Brive-la-Gaillarde, Limoges, Bordeaux, and Bayonne, serving individual and professional clients in Nouvelle-Aquitaine, Auvergne-Rhône-Alpes, and Occitanie regions.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt immobilier (Mortgage Loan) Brokered mortgage loan enabling individuals to finance real estate purchases including primary residence, secondary homes, and investment properties. Services include financing plan preparation, bank offer comparison, rate negotiation, and integration of borrower loan insurance.
• Prêt à la consommation (Consumer Loan) Brokered consumer credit available up to €75,000 for personal projects such as vehicle purchases, home improvements, or energy renovation work. Includes both amortizable and revolving credit options.
• Regroupement de crédits (Credit Consolidation) Loan consolidation service that combines multiple existing credits into a single loan with one monthly payment, simplifying debt management and potentially reducing overall monthly payments.
• Crédit professionnel (Professional Financing) Professional financing solutions for business owners, merchants, artisans, and liberal professionals. Covers business acquisition, commercial premises purchase, working capital, and business development investments.
• Assurance emprunteur (Borrower Insurance) Borrower insurance required by credit institutions, covering death, work stoppage, disability, and job loss risks. Operlis compares insurance offers from partner carriers to find the most suitable coverage at competitive rates.
• Santé (Health Insurance) Supplementary health insurance that complements mandatory health coverage, covering medical expenses not reimbursed by social security including dental, optical, and prosthesis costs.
• Prévoyance (Provident Insurance) Providence insurance providing protection against life uncertainties including work incapacity, hospitalization, death, and disability. Available as individual or collective contracts for employees and self-employed professionals.
• Retraite (Retirement Insurance) Retirement planning service including life insurance and individual retirement savings plans (PERIN/PERCO) to build capital and supplementary income for retirement.
• Assurance vie (Life Insurance) Life insurance contracts providing long-term savings and investment products, including life-only, death-only, and mixed insurance for capital accumulation and beneficiary protection.

Quantifiable outcome

• Average customer rating of 5.0 stars across 3 Google Business locations with 1,296 total reviews

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Cafpi: Major French mortgage and consumer credit broker with a multi-agency footprint. Closely comparable business model: independent broker placing loans with multiple bank partners, primarily mortgage-focused with insurance add-ons.
• ACE Crédit: French retail broker specialized in mortgage, debt consolidation, and consumer credit. Directly comparable product portfolio and target customer (individual borrowers and property buyers), with a multi-agency footprint.
• Vousfinancer: National French mortgage broker with regional agencies. Operates the same non-exclusive multi-bank intermediation model as Operlis, serving individual borrowers and professionals for real estate financing.
• Empruntis: Established French mortgage and credit broker offering comparison and intermediation services. Same core proposition (negotiate best loan conditions with partner banks), with both physical and digital client interfaces.
• Artémis Courtage: French multi-product brokerage covering mortgage, consumer credit, debt consolidation, and insurance. Operates as an independent intermediary with partner banks, serving a similar individual and professional client base as Operlis.
• Meilleurtaux: Largest French retail mortgage and insurance broker with national agency network. Directly comparable in product mix (mortgage, consumer credit, insurance) and intermediation model, but at materially larger scale and broader geographic reach.

Emerging players

• Selectra: French comparator and broker originally focused on energy/telecom, expanding into financial services. Operates an intermediation model on lead generation and partner commissions, partially overlapping with Operlis's credit comparison value proposition.
• Magnolia: Digital-first French mortgage broker that has expanded into a multi-product platform. Comparable product set (mortgage, insurance, regroupement de crédits) with a stronger technology stack and lower-cost delivery model.
• Younited Credit: French-originated digital consumer credit platform operating as a licensed credit institution. Comparable in serving individual borrowers for personal and credit-consolidation loans, with a technology-led, branchless model that contrasts with Operlis's agency-led approach.

Broad incumbents

• Boursorama Banque: France's leading online direct bank, owned by Société Générale. Competes with Operlis by enabling self-service mortgage applications online, representing the direct-bank disintermediation threat relevant to Operlis's intermediation model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries7 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 Operlis