Groupe Win'Up

Name

Groupe Win'Up

Legal name

Groupe Win'Up

Website

https://groupe-winup.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Credit Consolidation Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Credit consolidation services
• Loan restructuring
• Debt consolidation
• Credit brokerage
• Financial advisory

Headquarters

HQ city

Rennes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Consolidation / Rachat de crédits: The group generates revenue through commissions and fees earned on credit restructuring and consolidation operations facilitated through its three brands: Crédit Conseil de France (franchise network), Money'Up (MIOBSP packageur network), and Finidemepriver.com (direct online). Revenue is transaction-based, earned when credit restructuring deals are completed and funds are disbursed.
2. Franchise & Licensing Fees: Crédit Conseil de France operates as an independent franchise network. The group earns franchise fees from network members in exchange for brand rights, support services, training, and access to the group's tools and partner lender network.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Groupe Win'Up is a French holding company specializing in credit consolidation (rachat de crédits), operating through four brands: Crédit Conseil de France (independent franchise network with 20 agencies nationwide), Money'Up (packager network for MIOBSP ambassadors), Finidemepriver.com (100% digital offering), and Bank'R (professional financing and wealth management). The group intermediates credit consolidation deals between individual consumers and partner lending institutions, earning commissions on completed transactions and franchise fees from network members.

Product overview

Groupe Win'Up is a holding company specializing in credit consolidation (rachat de crédits/restructuring of loans). The group operates a portfolio of four complementary brands: Crédit Conseil de France (an independent franchise network with 20 nationwide agencies offering in-person service with 24-hour response), Money'Up (an innovative packager network for MIOBSP partners offering tailored support and value-added services), Finidemepriver.com (a 100% digital brand providing fully online solutions with responses in under 10 minutes), and Bank'R (a professional financing and wealth management service). The group serves clients through both physical agency-based and digital channels, with operations spanning individual credit consolidation, professional financing, and wealth management services. Key figures include 25 years of experience, 20 agencies, 3 main brands, and 10 MIOBSP partners.

Differentiator

Problem solved

Functional benefit

Brands

• Crédit Conseil de France: Réseau de franchise indépendant expert en regroupements de crédits, présent sur l'ensemble du territoire national avec prise en charge en moins de 24 heures.
• Money'Up
• Finidemepriver.com
• Bank'R

Products and services

• Crédit Conseil de France Independent franchise network specializing in credit consolidation (regroupement de crédits), present nationwide with 20 agencies offering in-person client service with handling in under 24 hours. Targets individual consumers holding multiple credits.
• Money'Up Innovative packager brand offering value-added services, trust-based relationships, and tailored support to MIOBSP (mandataires intermédiaires en opérations de banque et services de paiement) ambassadors who distribute credit consolidation packages to end consumers.
• Finidemepriver.com 100% digital brand with France-based experts offering fully online credit consolidation solutions with a principle response in under 10 minutes. Targets individual consumers seeking credit consolidation directly through the website.
• Bank'R Professional financing and wealth management partner providing services to businesses and personal assets through recognized expertise in professional financing and wealth management.

Quantifiable outcome

• Response in less than 24 hours for Crédit Conseil de France
• +2 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Emerging players

• Pretto: French online mortgage broker that has expanded into consumer credit intermediation. Comparable as a digital-first French credit intermediary, though more focused on mortgages than credit consolidation today.

Regional players

• Crédit Immobilier de France Développement: French specialty credit provider historically active in consumer credit consolidation and home loans. Comparable on the consolidation product axis within the French domestic market.

Direct peers

• Vousfinancer: French mortgage and credit broker network with physical branches and partner brokers distributing credit products to consumers. Comparable franchise/broker-network model to Crédit Conseil de France, though with a heavier mortgage weighting.
• MyMoneyBank: French consumer credit specialist bank offering personal loans, debt consolidation and refinancing products through broker and digital channels. Comparable in product mix (consumer credit, consolidation) and regulatory profile (French IOBSP/MIOBSP ecosystem).
• Meilleurtaux.com: French loan brokerage and comparison platform distributing consumer credit, mortgage and consolidation offers from multiple partner lenders. Comparable business model to Money'Up/Finidemepriver.com as an intermediary between consumers and partner lenders.
• Solutis: French credit consolidation specialist broker serving individual consumers seeking to restructure multiple loans. Closely comparable to Crédit Conseil de France and Money'Up's core business of brokering rachat de crédits deals through partner lenders.
• Floa Bank: French consumer credit and payment solutions provider (formerly Banque Casino / Floa Pay) offering personal loans and credit products through partner distribution and digital channels. Comparable as a French consumer credit intermediary with both digital and partner-led distribution.
• Younited Credit: French fintech operating a digital consumer credit platform offering personal loans and credit consolidation directly to consumers. Most directly comparable to Finidemepriver.com and the broader Win'Up digital channel, with similar B2C credit intermediation and a French regulatory profile.

Broad incumbents

• Cofidis: Subsidiary of Crédit Mutuel Alliance Fédérale and one of France's largest consumer credit providers, offering personal loans and credit consolidation at scale. A broad incumbent whose consumer credit consolidation products overlap directly with Win'Up's deal flow.
• Cetelem (BNP Paribas Personal Finance): BNP Paribas's consumer credit arm and a French market leader in personal loans and credit restructuring. Comparable as a large incumbent whose consolidation products compete with Win'Up's partner lender outputs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/groupe-winup

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries4 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 Groupe Win'Up