Compagnie Européenne de Crédit

What Compagnie Européenne de Crédit does

Groupe Empruntis (legal entity Compagnie Européenne de Crédit / Groupe EMPRUNTIS SAS, share capital €4,653,521.37, registered in Paris under RCS #908 267 859) is a French credit intermediation group operating as the holding company for a portfolio of 15+ broker brands, including Empruntis, Immoprêt, Partners Financement, Greeniz, Crédistor, Raizers, and Courtier d'Avenir. The group intermediates mortgage loans, consumer credit, debt consolidation (regroupement de crédits), and loan insurance (assurance de prêt) for individual (particuliers) and professional (professionnels) clients across France.

The business operates through a franchise and mandate-based distribution model of over 300 agencies nationwide, supported by 1,500+ professionals. Revenue is generated via transaction-based commissions and fees paid by financial institutions when credit products are placed with borrowers through the group's network; pricing is not publicly disclosed and is negotiated with lender partners. The group holds ISO 9001 certification for quality management across its operations and markets itself as the "Leader de l'intermédiation en crédit et de l'accompagnement financier" in France. There is no disclosed proprietary technology stack, no AI/ML capabilities, and no app products in the source data; the value proposition rests on brand portfolio, physical distribution depth, and lender relationships rather than technology differentiation.

Name

Compagnie Européenne de Crédit

Legal name

Groupe EMPRUNTIS

Website

https://compagnie-europeennedecredit.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Groupe Empruntis is a French credit intermediation group operating 15+ broker brands through 300+ franchise agencies, intermediating mortgage, consumer, and consolidation credit plus loan insurance for individuals and professionals across France.

Ownership category

akta.pro rank

Product category

Credit Brokerage Services

NAICS

Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

Keywords

• Credit intermediation
• Mortgage brokerage
• Consumer credit
• Credit consolidation
• Loan insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

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. Credit Intermediation Services: As a credit broker (courtier), the company earns commissions and fees from financial institutions (lenders) for placing credit products with clients. Revenue is generated through transaction-based fees on completed credit arrangements.

Go-to-market motion1 record

Distribution channels1 record

Core offering

Compagnie Européenne de Crédit, operating as Groupe Empruntis, operates a credit brokerage (intermédiation en crédit) business in France, intermediating mortgage credit, consumer credit, credit consolidation, and loan insurance products between individual and professional clients and partner lenders. Revenue is earned through commissions and transaction fees from financial institutions for placing credit arrangements with clients, delivered through a franchise network of 300+ agencies and 1,500+ professionals under multiple recognized brands.

Product overview

Groupe Empruntis operates as a unified platform for credit intermediation and financial accompaniment, comprising multiple specialized brands under one holding structure. The portfolio includes Empruntis (consumer and mortgage credit), Immoprêt (real estate financing), Partners Financement, Greeniz (sustainable finance), Crédistor, Raizers, and Courtier d'Avenir, collectively serving over 300 franchise and agency locations with more than 1,500 professionals across France.

Differentiator

Problem solved

Functional benefit

Brands

• Empruntis: Credit intermediation brand for mortgage, consumer credit, and loan insurance
• Immoprêt
• Partners Financement
• Greeniz
• Crédistor
• Raizers
• Courtier d'Avenir

Products and services

• Empruntis Flagship brand offering mortgage and consumer credit brokerage services for individuals across France.
• Immoprêt Brand specializing in real estate loan intermediation for property buyers.
• Partners Financement Brand providing financing solutions and credit intermediation services to professional and individual clients.
• Greeniz Brand focused on environmentally conscious financing and sustainable credit solutions.
• Crédistor Brand offering credit intermediation and financial advisory services.
• Raizers Brand providing alternative financing and investment solutions.
• Courtier d'Avenir Brand offering credit brokerage services for future-oriented financial planning.
• Mortgage credit brokerage Intermediation of mortgage/real estate credit between borrowers and partner lenders across France.
• Consumer credit brokerage Intermediation of consumer credit (crédit à la consommation) for individual financing needs.
• Credit consolidation brokerage Intermediation of credit consolidation (regroupement de crédits) for borrowers restructuring existing debt.
• Loan insurance brokerage Intermediation of loan insurance (assurance de prêt) tied to credit arrangements.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Artémis Courtage: French credit broker group operating a multi-brand agency network for mortgage and consumer credit intermediation, structurally comparable to Groupe Empruntis's franchise-based brokerage model.
• Meilleurtaux: One of France's leading credit brokers (mortgage, consumer credit, insurance), competing head-to-head with Groupe Empruntis in intermediation for individuals and professionals via a comparable multi-channel franchise and direct agency model.
• CAFPI: Major French mortgage and consumer credit broker with a national agency network and similar intermediary business model, directly overlapping with Empruntis and Immoprêt's core mortgage intermediation offering.
• Magnolia.fr (Magnolia Courtage): Online-first French credit broker for individuals, targeting the same customer base as Empruntis/Immoprêt with a hybrid digital and in-person intermediation model.
• Prelys Courtage: French credit broker network specializing in mortgage and consumer credit intermediation, operating through an agency model comparable in distribution logic to Groupe Empruntis.

Others

• Crédit Logement: French mortgage guarantee institution that supports mortgage lending across the French market. Functions as an enabling infrastructure participant for brokers like Groupe Empruntis whose placed loans frequently depend on Crédit Logement guarantees.

Broad incumbents

• Boursorama Banque: Major French online bank offering mortgage and consumer credit directly, bypassing the broker channel. Competes with Groupe Empruntis's brands for the same individual borrower segment with direct-to-consumer distribution.
• Cofidis: Large French consumer credit provider (part of Crédit Mutuel group) that lends on its own balance sheet and also works with broker channels. Adjacent competitor whose products are often distributed through brokers like Groupe Empruntis.
• Crédit Mutuel / CIC: Major French retail banking groups that originate mortgages and consumer credit directly and also partner with brokers; a critical counterparty for Groupe Empruntis as both supplier and competitor.

Emerging players

• Younited Credit: French-headquartered online consumer lending platform that intermediates credit between individual borrowers and institutional funders. Represents a digital alternative model to traditional credit brokers like Groupe Empruntis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks2 records

Key highlights6 records

Customer concentration

• Xx.com/CieEuropCredit

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries7 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 Compagnie Européenne de Crédit