Cresus

What Cresus does

Cresus Alsace (CRÉSUS Alsace) is a French nonprofit association founded on December 15, 1992, headquartered at 25 rue de Lausanne, Strasbourg, and recognized by the French government as a "Mission d'utilité publique." It is the pioneering association of the national CRÉSUS network, which today comprises more than 130 proximity antennas and over 500 trained expert volunteers across France. The organization's core function is preventing and treating over-indebtedness and financial exclusion among individuals and professionals through free budgetary accompaniment, legal support for surendettement (over-indebtedness) procedures, social support, and personal microcredit applications (200€ to 5,000€) routed through partner banks.

The association's product surface includes a free in-person advisory service delivered via the proximity-antenna network, the Cresus Compass online platform (cresus-compass.org) offering help ("Aider") and training ("Former") services, and Radio Cresus (radiocresus.fr), a multimedia educational channel producing episodes on retirement planning, gambling addiction, and budget management. Underlying technology is non-proprietary: standard website, online eligibility-testing forms, and a podcast hosting platform. The go-to-market is community-led and referral-driven, with channel partnerships including AXA Entraide, partner banks, Association PASSERELLE, and POINT CONSEIL BUDGET-labeled structures.

The revenue model is nonprofit and donation-based, with no pricing or fees charged to beneficiaries. Funding comes from individuals, companies, foundations, and likely public-utility grants and partner contributions. Customer segments are diffuse individuals in financial difficulty and the broader public seeking financial education, with secondary training of professionals. Governance is led by Présidente Denise Collonge. The association has 11-50 paid staff and is not a technology, venture-backed, or publicly traded entity.

Name

Cresus

Legal name

CRÉSUS Alsace

Website

https://cresusalsace.org

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Cresus Alsace is a French nonprofit association, founded 1992 and headquartered in Strasbourg, that provides free budgetary, legal, and social support to individuals facing over-indebtedness and financial exclusion across more than 130 proximity antennas in France.

Ownership category

akta.pro rank

Headquarters

HQ city

Strasbourg

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Donations and Public Support: Cresus Alsace is a nonprofit association of public utility recognized mission. The organization accepts donations from individuals, companies, and foundations to fund its operations and support services for over-indebted individuals.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CRÉSUS Alsace is a nonprofit association of recognized public utility that provides free budgetary, legal, and social support services to individuals and professionals facing financial difficulties. Its core offerings include assistance with surendettement (over-indebtedness) proceedings, personal microcredit applications for individuals excluded from traditional banking, banking and social inclusion support, and professional training on financial topics.

Product overview

Cresus Alsace is a public utility association that forms the pioneering branch of the national Cresus network, providing a comprehensive suite of financial difficulty prevention and management services. The core offering includes over-indebtedness support (surendettement), personal microcredit assistance, and banking/social inclusion services. The organization operates through multiple channels: an online information platform (Cresus Compass), a podcast/radio platform (Radio Cresus), and a network of over 130 proximity antennas with 500+ expert volunteers. Services include budgetary assistance, legal guidance, debt management proceedings support, and financial education training for both professionals and the general public.

Differentiator

Problem solved

Functional benefit

Products and services

• Over-indebtedness Prevention and Support Services (Surendettement Support) Free budgetary, legal, and social support services for individuals in France facing financial difficulties. Includes assistance with surendettement proceedings at the Commission de surendettement des particuliers, debt management plan support, guidance on banking rights, and social inclusion support. Available to private individuals and professionals across France through a national network of proximity antennas.
• Personal Microcredit Assistance Service (Microcrédit Personnel)
• Cresus Compass
• Radio Cresus
• Proximity Antenna Network (Réseau d'antennes de proximité)
• Professional Training on Financial Topics

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• AXA EntraidecoreStrategic or Co-development PartnerAXA Entraide and Cresus share a common commitment to financial inclusion. This partnership supports initiatives aimed at helping vulnerable individuals avoid over-indebtedness and access financial services.
• Banking Partners for MicrocreditcoreStrategic or Co-development PartnerCresus Alsace collaborates with banking partners to process applications for social personal microcredit (microcrédit personnel à caractère social). Partner banks evaluate and grant microcredits for amounts ranging from 200€ to 5,000€ to individuals excluded from traditional banking.
• Association PASSERELLEminorOthersAffiliated association linked to banking partners, involved in microcredit processing and financial inclusion support services.
• POINT CONSEIL BUDGET StructurescoreOthersCresus Alsace works with other structures holding the POINT CONSEIL BUDGET label, facilitating referrals and coordination of support services for individuals facing financial difficulties across France.
• Association pour la Fondation CRESUS d'Initiative Economique et SocialeminorOthersSubcontractor association within the Cresus network that provides support services for economic and social initiative projects.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• France Active: French network supporting financial inclusion and access to credit for vulnerable populations through microcredit, guarantee funds, and advisory services, operating with a similar nonprofit social-impact model focused on economic inclusion.
• PIMMS (Points Information Médiation Multi-Services): French network providing mediation and support services to vulnerable populations on administrative, banking, and financial matters, comparable to Cresus's proximity antenna model of community-based free support.
• Réseau national CRESUS: The national CRESUS network of which Cresus Alsace is the founding association; the national federation coordinates over 130 antennas across France providing similar over-indebtedness and financial inclusion services, making other CRESUS associations the closest direct peers.
• UDAF (Union Départementale des Associations Familiales): Departmental family associations providing budgetary counseling, consumer rights education, and financial support to vulnerable households in France, overlapping significantly with Cresus's social support services.
• ADIE (Association pour le Droit à l'Initiative Économique): Leading French association providing microcredit and financial inclusion support to individuals excluded from traditional banking, directly comparable to Cresus's microcredit facilitation services and over-indebtedness support mission.

Broad incumbents

• Les Restos du Cœur: Large French nonprofit addressing poverty through food aid and broader social support including financial guidance; a comparable donation-funded association working with vulnerable populations across France.
• Secours Catholique / Caritas France: Major French charitable organization providing financial assistance, debt support, and social aid to people in precarious situations, with broader scope but overlapping service offerings in budgetary accompaniment.
• Crédit Municipal de Paris: Historic municipal credit institution offering pawn loans and social lending services to vulnerable populations in France, overlapping with Cresus's microcredit and financial inclusion mission.
• Banques de France - Points Passerelle: Banque de France's Points Passerelle program offers free debt mediation and financial support to individuals facing banking difficulties, directly competing with Cresus's debt advisory services but backed by the central bank's institutional authority.

Emerging players

• Conciliapret: French digital platform for consumer credit mediation and loan restructuring, mentioned as a Cresus partner, representing a tech-enabled emerging alternative in the debt advisory space.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/assocresus
• Facebookfacebook.com/AssoCRESUS

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 Cresus