BMB Assurances

What BMB Assurances does

BMB Assurances is a French independent insurance brokerage firm (SARL, share capital €1,200) headquartered in Colomiers, in the Toulouse metropolitan area. Founded in 2017 and registered with ORIAS under number 160 068 23 as a Courtier en Opérations d'Assurance, the firm is supervised by the ACPR and operates under a single primary use case: helping property borrowers substitute their bank-imposed group insurance (assurance groupe) with individually-suited contracts under the framework introduced by France's 2022 Lemoine Law. BMB serves a B2C client base of mortgage holders, primarily within the Occitanie region, through a sales-led go-to-market model combining website contact forms, phone outreach, and word-of-mouth referrals. Its core service offering extends the borrower insurance line into four supplementary products: Prévoyance TNS for self-employed professionals, Mutuelle santé, Assurance obsèques, and Assurance dépendance.

The company's core technology is an insurance comparison and contract analysis workflow that ingests a client's existing borrower insurance contract, benchmarks it against 36 insurance products sourced from a panel of 12+ partner carriers (APRIL, AFI ESCA, CARDIF/BNP Paribas, MetLife, Digital Insure, UGIP, Abeille Assurances, iAssure, Alptis, Zenioo, Apivia/Macif, Henner), and produces a personalized substitution recommendation. BMB then prepares and manages the full administrative dossier with the borrower's bank, including follow-ups and amendments, over a typical 1–3 month processing cycle. Infrastructure is lightweight: web hosting is provided by OVH and customer relationship management by Pipedrive. There is no disclosed proprietary AI/ML capability, API, or mobile application; the technology stack is conventional for a small advisory brokerage. The stated customer outcome is an average €8,000 saving per client on total insurance cost, with 30–60% reduction in monthly premium depending on profile and current contract.

BMB's revenue model is dual. It charges brokerage fees (honoraires de courtage) that are disclosed transparently to the client before subscription, and it receives commissions from partner insurance carriers on placed contracts; the firm states that these commissions do not influence the advice provided. Pricing is not publicly disclosed and is quote-based, with the initial comparison offered free. The firm employs 1–10 people, operates from a single office, is privately held with no disclosed institutional shareholders, and has no history of external funding rounds, M&A, or subsidiary activity. Marketing is concentrated on the firm's own website, Google reputation management (5.0/5 rating across 145 reviews as of May 2026), and a referral program ('Programme parrainage').

Name

BMB Assurances

Legal name

BMB Assurances

Website

https://bmb-assurances.fr

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

BMB Assurances is an independent French insurance broker (ORIAS n° 160 068 23) based in Colomiers that compares and substitutes borrower insurance for property borrowers under the 2022 Lemoine Law, managing the full bank dossier end-to-end across 36 partner contracts.

Ownership category

akta.pro rank

Headquarters

HQ city

Colomiers

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage fees (honoraires de courtage): BMB Assurances charges transparent brokerage fees that are communicated to clients before any subscription. Fees are disclosed during the first exchange with an advisor, with no hidden costs.
2. Commissions from insurance partners: The company receives commissions from insurance partner companies (APRIL, AFI ESCA, CARDIF, MetLife, Digital Insure, UGIP, Abeille Assurances, iAssure, Alptis, Zenioo, Apivia, Henner) on subscribed contracts. The company states these commissions do not affect the quality of advice provided.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

BMB Assurances is an independent French insurance broker (SARL) that analyzes a client's current borrower insurance (assurance emprunteur), compares 36 contracts from partner insurers, and manages the entire administrative substitution process with the bank under the 2022 Lemoine Law. The client only needs to sign the new adhesion and the bank avenant. The firm also distributes complementary products — prévoyance TNS, mutuelle santé, assurance obsèques, and assurance dépendance — through the same partner network.

Product overview

BMB Assurances is an independent insurance broker (courtier) offering a unified borrower insurance comparison and substitution service. The core product is Assurance emprunteur (borrower insurance), which analyzes existing contracts, compares 36 market offers from partner insurers, manages the full administrative process including bank substitution under the Loi Lemoine 2022, and delivers an average savings of €8,000 per client. Supplementary offerings include Prévoyance TNS (self-employed provident insurance), Mutuelle santé (health insurance), Assurance obsèques (funeral insurance), and Assurance dépendance (dependency insurance). All products are distributed through a network of insurance company partners including APRIL, AFI ESCA, CARDIF, MetLife, Digital Insure, UGIP, Abeille Assurances, iAssure, Alptis, and Zenioo.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance de prêt (Assurance emprunteur) — Borrower Insurance Comparison & Substitution Independent comparison and substitution service for borrower insurance (assurance emprunteur): BMB analyzes the client's current bank insurance contract, compares 36 contracts from partner insurers (APRIL, AFI ESCA, CARDIF, MetLife, Digital Insure, UGIP, Abeille Assurances, iAssure, Alptis, Zenioo, Apivia, Henner), and manages the entire administrative substitution dossier with the bank under the 2022 Lemoine Law. Target client: French property borrowers. Average client saving: €8,000 on total insurance cost; typical processing 1–3 months.
• Prévoyance TNS — Self-Employed Provident Insurance Provident insurance brokerage product targeting Travailleurs Non Salariés (TNS / self-employed professionals), providing income protection and coverage against professional risks. Distributed through BMB's partner insurance network.
• Mutuelle santé — Supplemental Health Insurance Supplemental health insurance brokerage that complements French public health coverage (Sécurité Sociale), offered in partnership with selected insurance providers from BMB's partner network.
• Assurance obsèques — Funeral Expense Insurance Funeral expense insurance brokerage that covers costs related to end-of-life arrangements, providing financial peace of mind for beneficiaries, distributed through BMB's partner insurance network.
• Assurance dépendance — Dependency Insurance Dependency insurance brokerage providing coverage for individuals who require assistance with daily activities due to age or health conditions, distributed through BMB's partner insurance network.

Quantifiable outcome

• Average 8,000€ savings per client on total insurance cost
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core.

• APRILcoreChannel Partner/ Reseller/ DistributorInsurance company partner. One of the insurance providers whose products BMB compares and offers to clients seeking borrower insurance substitution.
• AFI ESCAcoreChannel Partner/ Reseller/ DistributorInsurance company partner included in BMB's comparison network for borrower insurance products.
• CARDIF (Groupe BNP Paribas)coreChannel Partner/ Reseller/ DistributorInsurance company partner (subsidiary of BNP Paribas) providing borrower insurance products through BMB's comparison service.
• MetLifecoreChannel Partner/ Reseller/ DistributorGlobal insurance company partner providing borrower insurance solutions through BMB's broker network.
• Digital InsurecoreChannel Partner/ Reseller/ DistributorDigital insurance platform partner included in BMB's comparison offerings.
• UGIPcoreChannel Partner/ Reseller/ DistributorInsurance company partner offering borrower insurance products through BMB's comparison network.
• Abeille AssurancescoreChannel Partner/ Reseller/ DistributorInsurance company partner in BMB's network for comparing and placing borrower insurance contracts.
• iAssurecoreChannel Partner/ Reseller/ DistributorInsurance partner providing borrower insurance solutions through BMB's broker channel.
• AlptiscoreChannel Partner/ Reseller/ DistributorInsurance company partner in BMB's comparison network for borrower insurance products.
• ZenioocoreChannel Partner/ Reseller/ DistributorInsurance partner offering products through BMB's comparison and brokerage services.
• Apivia (Groupe Macif)coreChannel Partner/ Reseller/ DistributorInsurance company partner (Macif group subsidiary) included in BMB's comparison network for borrower insurance.
• HennercoreChannel Partner/ Reseller/ DistributorInsurance partner offering products through BMB's comparison and brokerage services for borrower insurance.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Cofidis: Major French consumer credit provider that bundles its own borrower insurance on personal loans and mortgages. Represents the kind of integrated lending-plus-insurance incumbent BMB competes against when borrowers consider switching.
• BNP Paribas (via CARDIF): Bank-insurance group whose CARDIF subsidiary is both one of BMB's carrier partners and a direct competitor — BNP Paribas distributes its own assurance emprunteur to mortgage clients, the incumbent position BMB's substitution service targets.
• APRIL: Large French insurance broker group and one of BMB's carrier partners. Competes broadly with BMB in borrower insurance distribution while also acting as a wholesale product supplier — making it both a competitor and an ecosystem participant.

Emerging players

• Boursorama Banque: Online French bank that distributes insurance products including borrower insurance through a fully digital flow. Represents the emerging digital-only distribution model competing against BMB's advisor-led brokerage.

Direct peers

• LesFurets: Insurance comparator covering borrower insurance among other lines, owned by BPCE group. Overlaps with BMB on the borrower insurance comparison and substitution value proposition for French consumers.
• Meilleurtaux: Major French comparator and broker for loans, mortgages and insurance, including borrower insurance. Overlaps directly with BMB on assurance emprunteur substitution and uses a similar multi-carrier comparison approach.
• Hyperassur: French insurance comparator focused on borrower and personal lines, directly comparable to BMB in terms of product (assurance emprunteur) and target customer (individual borrowers).
• Pretto: Online mortgage broker that bundles borrower insurance comparison and subscription into its mortgage offering. Targets the same client (French property borrower) with a more digital-first delivery model than BMB.
• Magnolia: French insurance broker specializing in borrower insurance (assurance emprunteur) substitution, comparing offers from multiple insurers and managing the bank dossier — a near-identical operating model to BMB Assurances.
• Assurland: Long-established French insurance comparison platform covering borrower, home, auto and health insurance. Competes with BMB on the borrower insurance substitution flow with a digital-led rather than advisor-led experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BMBAssurances
• LinkedInlinkedin.com/company/bmb-assurances

Compliance3 records

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 BMB Assurances