Expert Courtage

What Expert Courtage does

Expert Courtage (legal name: SARL EXPERT COURTAGE; RCS Dunkerque 523 986735) is a privately held French mortgage brokerage and financial advisory firm founded in 2010 by Sébastien DEVOS, Sébastien PIT, and Arnaud LEGRAND, headquartered in Dunkerque. The company is registered as an Intermédiaire en Opérations de Banque et en Services de Paiement (IOBSP) under ORIAS #12065266, is overseen by the ACPR, and is a member of APIC (Association Professionnelle des Intermédiaires en Crédits). It operates across the Nord-Pas-de-Calais / Hauts-de-France region through five physical branches (Dunkerque, Laventie, Bailleul, Pérenchies, Arneke, plus a Henin-Beaumont agency) and a small core team of co-founders, mandataires, and agents.

The firm's core services span residential and professional financing: residential mortgages (crédit immobilier), loan renegotiation (rachat de prêt), property share buyouts in divorce/inheritance contexts (rachat de soulte), loan consolidation (regroupement de prêt), and mortgage insurance (assurance prêt immobilier). For professional clients, it additionally handles commercial property acquisition (achat de murs), business creation and acquisition financing, treasury management (gestion de la trésorerie, including factoring and overdraft facilities), and financial leasing (crédit-bail). There is no proprietary technology platform or digital distribution marketplace; lead generation and advisory delivery rest on a content-driven WordPress website (expertcourtage.com), a Facebook page, callback/contact forms, and word-of-mouth referrals. Custom code, data assets, or AI/ML capabilities are not described in available source material.

Expert Courtage earns revenue from commissions paid by banking partners for placed loan dossiers and from client honoraria, which are typically incorporated into the loan amount and settled at disbursement in line with French IOBSP intermediary practice. No standalone pricing is publicly disclosed. Go-to-market is sales-led and in-person, with branch-office consultations forming the core conversion channel. Distribution is highly regional, the business is family-controlled with €336,000 of share capital, and no external funding, parent company, or M&A activity is recorded.

Name

Expert Courtage

Legal name

SARL EXPERT COURTAGE

Website

https://expertcourtage.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Expert Courtage is a privately held French mortgage brokerage and financial advisory firm (SARL) founded in 2010 in Dunkerque, serving individuals and SMEs across northern France with residential mortgages, loan renegotiation, consolidation, mortgage insurance, and professional financing products, earning commissions from banking partners across five regional branches.

Ownership category

akta.pro rank

Headquarters

HQ city

Dunkerque

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Mortgage brokerage commissions: Expert Courtage earns commissions from banking partners for placing client loans. The company also charges client honoraries, typically incorporated into the loan amount and settled at fund disbursement, as is standard for French IOBSP intermediaries.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Expert Courtage is a French mortgage brokerage and financial advisory firm (SARL) that acts as an intermediary between clients and banking partners to negotiate competitive interest rates on real estate loans, loan renegotiations, loan consolidations, property share buyouts, mortgage insurance, and professional/commercial financing products. The company serves both individual home buyers and small business owners across northern France through in-person consultations at multiple branch offices.

Product overview

Expert Courtage is a mortgage brokerage firm operating as a multi-product financial services platform. The company offers a comprehensive suite of real estate and commercial financing products including mortgage loans (Crédit immobilier), loan renegotiation (Rachat de Prêt), property share buyouts (Rachat de Soulte), loan consolidation (Regroupement de prêt), and mortgage insurance (Assurance prêt immobilier). For professional clients, the portfolio extends to commercial property acquisition (Achat de murs), business creation financing (Financement création), treasury management (Gestion de la trésorerie), and financial leasing (Crédit Bail). The integrated offering enables the company to serve both individual homeowners and business clients across Dunkerque, Laventie, Bailleul, Pérenchies, and Arneke locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit immobilier Real estate mortgage financing service for purchasing property or funding construction works, including primary residence, secondary residence, or rental investment properties. Targeted at individual home buyers.
• Rachat de Prêt Loan buyback and renegotiation service allowing borrowers to obtain lower interest rates, reduce monthly payments, and improve purchasing power. Targeted at existing mortgage holders seeking better terms.
• Rachat de Soulte Property share buyout service related to divorce or inheritance situations, enabling individuals to become sole owners of jointly-held real estate. Targeted at individuals navigating property division.
• Regroupement de prêt Loan consolidation service that combines multiple existing loans (consumer credits, mortgages) into a single unified loan with extended repayment terms. Targeted at borrowers managing multiple credit obligations.
• Assurance prêt immobilier Mortgage insurance coverage protecting borrowers against death, permanent or temporary disability, incapacity, and unemployment risks during the loan repayment period. Targeted at mortgage borrowers.
• Achat de murs Professional commercial property acquisition service including business premises, commercial funds purchase, and associated renovation works financing. Targeted at business owners and entrepreneurs acquiring commercial real estate.
• Financement création Business creation and acquisition financing service providing access to bank loans, guarantees, subsidies, and honor loans through optimized partner networks. Targeted at entrepreneurs and small business owners.
• Gestion de la trésorerie Working capital and cash flow management solutions including overdraft facilities, factoring, and other treasury management tools for business operations. Targeted at SMEs and business owners.
• Crédit Bail Financial leasing and rental solutions for professional equipment, vehicles, and commercial real estate with tax, treasury, or banking logic optimization options. Targeted at SMEs and business owners.

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

One partnership is on record.

• APIC (Association Professionnelle des Intermédiaires en Crédits)minorOthersExpert Courtage is a member of APIC, the Professional Association of Credit Intermediaries, which represents and supports brokerage professionals in France.

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Emerging players

• Pretto: Digital-native French mortgage broker offering fully online residential loan intermediation. Comparable in core service (mortgage brokerage via banking partnerships) but competes via a tech-enabled, no-branch model that contrasts with Expert Courtage's physical advisory approach.
• Younited Credit: European consumer credit platform aggregating loan demand and distributing to institutional lenders. Comparable in intermediating between borrowers and capital providers, but operates a digital-native marketplace model rather than a regional branch advisory model.

Direct peers

• Meilleurtaux: One of France's largest mortgage broker networks, intermediating residential loans between borrowers and banking partners nationwide. Directly comparable in core service (mortgage brokerage) and revenue model (commission from banking partners), but operating at significantly greater national scale.
• Empruntis: French mortgage broker providing residential loan intermediation and rate comparison across banking partners. Directly comparable in business model and customer segment (individual home buyers), though operating at larger scale with hybrid digital and physical channels.
• CAFPI: Leading French mortgage and credit broker with an extensive national branch network. Offers the same core intermediary service as Expert Courtage — bringing borrowers and lenders together for residential and professional financing — with a comparable commission-based revenue model.
• Vousfinancer: National French mortgage broker network with branch offices across France intermediating residential and professional credit. Comparable in core offering, multi-branch franchise model, and dual focus on individual and SME financing.

Broad incumbents

• Boursorama Banque: Major French online bank offering direct mortgage origination alongside broad retail banking products. Competes indirectly with Expert Courtage by enabling borrowers to bypass intermediaries entirely, putting pressure on broker commission-based economics.

Regional players

• Magnolia Courtage: Regional French mortgage broker operating in select geographies, intermediating residential and professional financing. Comparable in size, scope, and branch-based delivery model, but serving different regional territories rather than directly competing in Hauts-de-France.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/expertcourtage

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Expert Courtage