What Groupe VILAVI does

Groupe VILAVI is a French multi-brand retail insurance and credit brokerage group, founded in 1975 as Assurances 2000, rebranded to its current name in 2022, and majority owned since 2023 by private equity firm HLD. The group operates through two business poles — insurance and credit — and serves roughly 650,000 retail clients across approximately 900,000 managed contracts. Its insurance pole aggregates four brands: ASSU 2000 (a salaried network of 320+ physical agencies), Euroassurance and Assuréo (online and phone-based pure players), and Maxance (a wholesale broker aggregating ~7,000-7,500 independent broker and general agent partners through the Proximéo extranet). Its credit pole includes AB Courtage (real estate credit brokerage, acquired 2014), Brookéo and Crédit Market (debt consolidation and restructuring), and Vousfinancer (a ~200-agency franchise network, acquired 2017). The October 2025 acquisition of AcommeAssure from Malakoff Humanis extended the group into digital health insurance distribution.

The technology backbone consists of the proprietary Proximéo platform for policy administration, portfolio surveillance, and broker-facing extranet services; SAS-based actuarial analytics and Excel-based reporting for pricing, provisioning, and risk assessment; an internal A/B testing and conversion-rate optimization platform for digital subscription funnels; and a GDPR-compliant data governance framework covering consent, retention schedules, and EU data hosting. A shared services center in Tanger, Morocco (~220 collaborators since 2009) centralizes front and back-office functions including standards, typing, client service, and indemnification.

VILAVI's revenue model is overwhelmingly transaction-based: insurance brokerage commissions on each policy sold and renewed across auto, home, health, two-wheeler, and personal protection lines; credit brokerage fees from bank partners on real estate loans (AB Courtage), debt consolidation (Crédit Market, Brookéo), and consumer credit; wholesale volume-based commissions earned via Maxance from carriers on policies distributed through the B2B2C channel; and Vousfinancer franchise fees. Pricing is quote-based and individualized rather than published, with rates varying by client risk profile, product, and carrier. The group is led by President Claude Zaouati with David Guyonnet in a governance and publication role and subsidiary directors — Olivier Pericchi (Maxance), Julie Bachet (Vousfinancer), Dominique Brevet (ASSU 2000) and others — managing the operating brands.

Name

Groupe VILAVI

Legal name

ASSU 2000 Participations

Website

https://vilavi.fr

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Groupe VILAVI is a French multi-brand retail insurance and credit brokerage group serving ~650,000 individuals across auto, home, health, two-wheeler, and credit products through 320+ agencies, a wholesale platform of 7,000+ brokers, and digital pure-player brands, majority-owned by PE firm HLD.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage
• Credit brokerage
• Personal insurance
• Mortgage brokerage
• Debt consolidation

Headquarters

HQ city

Noisy-le-sec

HQ country

France

HQ region

Europe

Offices3 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. Insurance brokerage commissions: VILAVI acts as an insurance broker (courtier) representing clients, earning commissions from insurance carriers (assureurs) on each policy sold and renewed. The group manages ~900,000 contracts across auto, home, health, two-wheeler, and other personal insurance lines. Commission rates vary by product and carrier.
2. Credit brokerage fees: For credit operations, VILAVI earns brokerage fees from bank partners on real estate loans (AB Courtage), debt consolidation (Crédit Market, Brookéo), and consumer credit. Youfinancer franchise fees also contribute.
3. Insurer retrocessions and technical negotiations: The actuarial and technical teams negotiate retrocessions and tariff structures with insurer partners. Business plans evaluate product profitability and determine VILAVI's technical remuneration, with revenue directly tied to portfolio performance.
4. Wholesale (courtage grossiste) revenues: Through the Maxance wholesale subsidiary, VILAVI aggregates ~7,500 brokers and general agents, earning volume-based commissions from insurance carriers on policies distributed through this channel.
5. Digital channel revenues: Pure player brands (Euroassurance, Assuréo, AcommeAssure) generate direct insurance policy revenues through online and phone channels, capturing full brokerage economics without third-party distributor intermediation.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels9 records

Core offering

Groupe VILAVI operates as an independent insurance and credit broker (courtier) for individuals, advising clients from needs analysis through policy completion. The group distributes personal insurance products (auto, home, health, two-wheeler, NVEI) and credit products (real estate loans, debt consolidation) sourced from a panel of insurer and banking partners. Distribution runs through three complementary engines: a 320-agency salaried network (ASSU 2000), a wholesale broker platform serving ~7,000 partners (Maxance), and digital pure players (Euroassurance, Assuréo, AcommeAssure), plus a 200-agency franchise network for credit (Vousfinancer).

Product overview

Groupe VILAVI is a multi-brand insurance and credit brokerage group operating through two business poles: Insurance and Credit. The insurance division includes four brands (ASSU 2000, Euroassurance, Assuréo, MaXance) offering multi-channel distribution through agency networks, online platforms, and B2B2C wholesale models. The credit division includes AB Courtage, Crédit Market, BROOKÉO, and Vousfinancer (with approximately 200 franchise agencies), providing mortgage and credit consolidation services. The group serves approximately 600,000+ clients with 900,000 managed contracts through three distribution channels: a network of 320+ agency locations, a wholesaler channel with ~7,000 partner brokers, and digital pure-players operating online and by phone. In 2025, VILAVI acquired AcommeAssure, a digital health insurance specialist, strengthening its digital health insurance positioning.

Differentiator

Problem solved

Functional benefit

Brands

• ASSU 2000: Multi-channel insurance brand with a network of agencies serving individuals and professionals
• Euroassurance
• Assuréo
• Maxance
• AB Courtage
• Crédit Market
• Brookéo
• Vousfinancer

Products and services

• ASSU 2000 personal insurance (auto, home, two-wheeler, NVEI) Multi-channel personal insurance brand distributed through 320+ salaried agency branches across France, covering auto, home, two-wheeler (moto/scooter), NVEI (electric personal mobility devices), and provident products for retail consumers.
• Euroassurance online insurance Online insurance brand providing digital distribution of personal insurance products (notably two-wheeler, NVEI and other P&C lines) directly to retail consumers via web and phone channels.
• Assuréo online insurance Pure-player online insurance brand based in Boulogne-sur-Mer with ~70 employees, offering digital distribution of personal insurance products (auto, home, two-wheeler, NVEI) directly to consumers.
• Maxance wholesale broker (B2B2C) Wholesale broker distributing personal insurance products (auto, home, health, two-wheeler, NVEI) to ~7,000–7,500 independent insurance brokers and general agents across France, with dedicated account management and the Proximéo extranet.
• Maxance Health Insurance Offer Health insurance offer for independent brokers distributed through the Maxance wholesale platform, with two contract types (responsible and non-responsible), acceptance up to age 90 and 12 guarantee formula options; supported by Generali as a key risk carrier.
• AB Courtage mortgage brokerage Mortgage and real estate credit brokerage brand operating across France via directly-operated agencies, intermediating home loans and real estate financing solutions sourced from a panel of banking partners for retail consumers.
• Crédit Market debt consolidation brokerage Pure-player digital brand specialized in credit consolidation and debt restructuring brokerage for retail consumers, operating via web and phone channels.
• Brookéo debt consolidation brokerage Specialist debt consolidation and credit restructuring brokerage brand serving retail consumers, operating in partnership with the Vousfinancer network.
• Vousfinancer franchise credit brokerage Franchise network of ~200 independent credit brokerage agencies operating under the Vousfinancer brand, offering real estate credit, debt consolidation, and the Garantie Revente product to retail consumers.
• AcommeAssure digital health insurance 100% digital broker specializing in individual health insurance distribution, acquired from Malakoff Humanis in October 2025 to reinforce VILAVI's digital health insurance positioning.

Quantifiable outcome

• More than 600,000 clients served and 900,000 contracts managed across insurance and credit
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

15 partnerships are on record, tiered core and minor.

• AcommeAssurecoreChannel Partner/ Reseller/ Distributor · 1 October 2025Acquired in October 2025 from Malakoff Humanis. A 100% digital broker specializing in individual health insurance distribution (beyond its historical P&C footprint). Reinforces VILAVI's digital health insurance channel and creates 'un acteur digital de premier plan.'
• GeneralicoreStrategic or Co-development Partner · 1 January 2025Generali is cited as a key carrier partner supporting Maxance's new health insurance offer (2025). Olivier Pericchi, Director of Maxance, stated 'un acteur important qui nous soutient, Generali' in reference to the September 2025 launch at the Journées du Courtage. Generali is one of the major risk carriers behind the Maxance wholesale platform.
• Moto FestivalminorGTM or Marketing Partner · 1 January 2023Euroassurance participated in the Moto Festival (June 2023), organized by a two-wheeler equipment specialist partner. The event showcased Euroassurance's two-wheeler insurance products to an engaged enthusiast audience.
• Speedway (equipmentier)minorGTM or Marketing Partner · 1 January 2023Euroassurance participated in the Speedway Days event (May 2023), organized by Speedway, a recognized two-wheeler equipment brand. The partnership extended Euroassurance's reach among the two-wheeler enthusiast community.
• PR€T PROminorChannel Partner/ Reseller/ Distributor · 1 January 2021Partnership signed in January 2021 between AB Courtage and PR€T PRO to facilitate professional financing access for AB Courtage's broker and agent network. PR€T PRO provides professional credit products complementing AB Courtage's real estate focus.
• BGE YvelinesminorStrategic or Co-development Partner · 1 January 2020PROFIRST (a VILAVI subsidiary) partnered with BGE Yvelines in late 2021 to test a new solution for serving professional clients. BGE (Boutiques de Gestion) is a French network supporting entrepreneurs and small businesses.
• Sourire d'EnfantminorOthers · 1 January 2020Vousfinancer partnered with the charity Sourire d'Enfant in December 2020, committing to donate €10 to the association for each credit obtained through its intermediation. Demonstrates the group's CSR commitment through its credit subsidiary.
• CréditmarketminorChannel Partner/ Reseller/ Distributor · 1 January 2019Launched as a pure player in credit restructuring in 2019, Créditmarket complements Brookéo in the debt consolidation segment. It operates exclusively through digital and phone channels.
• VousfinancercoreChannel Partner/ Reseller/ Distributor · 1 January 2017Acquired in 2017, Vousfinancer operates as a franchise network of ~200 credit brokerage agencies across France. Led by Julie Bachet (Directrice générale). Offers real estate credit, debt consolidation, and the 'Garantie Revente' product launched in 2021.
• AB CourtagecoreStrategic or Co-development Partner · 1 January 2014Acquired in 2014, AB Courtage is a major real estate credit brokerage actor that confirmed VILAVI's expansion strategy. The brand operates across France with agency locations and is led by Director opérationnel Jean-Loup Bachet.
• BrookéominorChannel Partner/ Reseller/ Distributor · 1 January 2014Acquired in 2014 alongside AB Courtage, Brookéo is a specialist in credit restructuring/debt consolidation. It operates in partnership with Vousfinancer (as documented in a September 2020 partnership article) to expand the reach of restructuring products.
• AssuréocoreChannel Partner/ Reseller/ Distributor · 1 January 2014Created in 2014 as VILAVI's second pure-player digital brand, located in Boulogne-sur-Mer with ~70 employees. Offers personal insurance products online. Also engaged in influencer marketing (sponsored Twitch show 'Let's Go' in 2022).
• Institut PasteurminorOthers · 1 January 2013ASSU 2000 has partnered with Institut Pasteur for the annual Pasteurdon fundraiser since 2013 (11 years as of 2024). The group donated €35,000 in 2024 through a '2€ per policy subscribed' campaign. Pasteurdon collects funds for scientific research.
• Euroassurance (acquired from original owners)coreChannel Partner/ Reseller/ Distributor · 1 January 2006Acquired in 2006 as an online insurer originally specialized in two-wheeler insurance. Euroassurance now operates as one of VILAVI's digital-first brands, serving customers via web and phone channels.
• Maxance (formerly SFR / Société Française de Recours)coreChannel Partner/ Reseller/ Distributor · 1 January 2001Acquired in 2001 (then known as SFR — Société Française de Recours) and rebranded as maxance. Acts as VILAVI's wholesale broker, distributing insurance products to ~7,000–7,500 independent broker and general agent partners via its Proximéo extranet. Led by Olivier Pericchi (Director BU Courtage Grossiste).

Scale indicators10 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Verspieren: Independent French insurance broker (courtier) headquartered in Roubaix, serving individuals, professionals, and enterprises across personal and P&C lines. Comparable to VILAVI in its independent intermediary model serving French retail customers with multi-product brokerage.
• Meilleurtaux: French credit and insurance broker with a national agency network and digital channels, specializing in mortgage brokerage, loan refinancing, and personal insurance. Comparable to VILAVI's multi-channel credit/insurance distribution to French individuals.
• Alptis: French insurance broker specialized in individual health, provident, and personal protection insurance for individuals and small businesses. Comparable to VILAVI's health distribution and individual segment focus, particularly relevant given VILAVI's AcommeAssure-driven health insurance expansion.
• CAFPI: Leading French mortgage and credit broker (courtier en crédit immobilier) operating a national agency network. Directly comparable to VILAVI's AB Courtage and Vousfinancer credit brokerage arms serving French individuals seeking real estate financing.
• April (April Group): Major French insurance and credit broker (courtier) operating across personal and professional lines through agency, digital, and wholesale channels. Like VILAVI, April serves individuals and brokers as an intermediary and is backed by private equity (Bridgepoint then CVC). Comparable in multi-channel distribution and French market focus.

Broad incumbents

• Aon France: Global insurance broker with significant French operations across personal and commercial lines. Comparable to VILAVI as an intermediary but at much larger scale with broader enterprise and specialty focus beyond personal lines.
• Willis Towers Watson (WTW) France: Global advisory and insurance brokerage firm with French operations. Comparable to VILAVI as an insurance intermediary but primarily focused on commercial and specialty lines, providing contrast to VILAVI's individual-segment emphasis.
• Assu 2000 competitors (e.g., Crédit Mutuel insurance, Matmut): Mutual insurance groups offering personal insurance directly (auto, home, health) through proprietary agency networks in France. Comparable to VILAVI's ASSU 2000 retail agency channel, though as insurers they capture full premium rather than brokerage commission.

Emerging players

• Santéclair: French health insurance broker and complementary health network, partnering with insurers and mutuals to distribute individual health products. Comparable to VILAVI's emerging health insurance distribution capabilities via AcommeAssure and Maxance health offering.
• Courtage grossiste peers (e.g., Insurly, Satellis): French wholesale insurance brokers (courtiers grossistes) aggregating broker and general agent partners across personal and professional lines. Directly comparable to VILAVI's Maxance subsidiary business model (B2B2C wholesale distribution to 7,000+ partners).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Groupe VILAVI