Crédit expert

What Crédit expert does

Crédit expert is a privately-held French mortgage brokerage firm (legal entity HK CONSEIL SAS, headquartered in Longwy) founded in 2007 by Yannick Flavien, a former banker with seven years at a national banking institution. The company operates a network of 24 owned-and-operated physical branches across metropolitan France, staffed exclusively by salaried consultants — most of whom have prior banking experience at major French retail banks (BNP Paribas, LCL, Crédit Agricole, Banque Populaire, Caisse d'Épargne). It serves individual home buyers and property purchasers seeking primary-residence mortgages, investment property financing, mortgage renegotiation, and bridge loans, with stated throughput of more than 10,000 families assisted per year.

The business is a B2C intermediation model: Crédit expert connects borrowers with a panel of 16+ partner banking institutions (including Banque Populaire, Crédit Agricole, CIC, LCL, Crédit Mutuel, Caisse d'Épargne, Société Générale, La Banque Postale, and CCF) and is compensated via transaction commissions paid by the lending banks upon successful loan completion. Sub-brands extend the proposition into adjacent segments: Crédit expert Pro targets professionals and business owners, Crédit expert Solutions addresses households seeking debt consolidation/restructuring, and Crédit expat serves French expatriates abroad. Distribution is multi-channel, combining physical agency visits, an online mortgage simulation tool, online application submission, and a co-branded Macif Connect referral partnership with mutual insurer MACIF (via Socram Banque). Technology is intentionally limited — no proprietary platform is described; the digital stack consists of a web-based monthly payment calculator and Teams-based remote advisory implemented during Covid-19.

Revenue model is commission-based transaction fees from partner banks; pricing is not publicly disclosed and brokerage fees are stated to be negotiable. The firm is regulated as a Courtier-IOBSP and Courtier d'assurances under ACPR supervision, with ORIAS registration 100 582 43. Marketing relies on agency footfall, SEO-optimized regional content (mortgage rates, usury rates, first-time buyer guides), Google customer reviews, and referral partnerships. Leadership comprises Founder Yannick Flavien, Director General and Partner Eric Junger (since 2009), and Deputy Director General Florence Maire (appointed 2023 from a regional mutual banking group). No external institutional investors, private equity, or venture capital ownership is disclosed; the parent entity HK Conseil SAS has €50,000 share capital.

Name

Crédit expert

Legal name

HK CONSEIL SAS

Website

https://creditexpert.fr

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

51–100 employees

Short description

Crédit expert is a French retail mortgage brokerage (HK CONSEIL SAS, founded 2007, Longwy) operating 24 owned-and-operated branches across metropolitan France, serving more than 10,000 individual home buyer families per year through salaried consultants who originate mortgage loans from 16+ partner banks on a commission basis.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage services
• Credit intermediation
• Real estate financing
• Loan advisory
• Borrower insurance

Headquarters

HQ city

Longwy

HQ country

France

HQ region

Europe

Offices17 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage commissions from banking partners: Crédit expert acts as an intermediary between borrowers and lending institutions. The company is compensated by the lending banks. This is a commission-based model where the broker receives fees from the bank upon successful loan completion. The company states it is paid by credit establishments without influencing its recommendations.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Crédit expert is a French mortgage brokerage firm (intermédiaire en opérations de banque) acting as an independent intermediary between individual borrowers and partner banks. The firm offers mortgage advisory, dossier preparation, rate negotiation, and accompanying services for residential property purchases, refinancing, and credit consolidation across 24 physical branches in metropolitan France plus digital channels. Sub-brands (Crédit expert Pro, Solutions, expat) address professionals, clients in financial difficulty, and French expatriates respectively.

Product overview

Crédit expert operates as a mortgage brokerage platform with a multi-brand portfolio consisting of the core Crédit expert service (general mortgage brokerage), Crédit expert Solutions (debt consolidation), Crédit expert Pro (professional/business mortgages), and Crédit expat (expatriate services). The company complements its brokerage services with online simulation tools and a strategic partnership with MACIF. The platform connects borrowers with over 15 partner banks and insurers, offering personalized advisory through 24 physical agencies across France and digital channels. All services are coordinated under parent company HK Conseil SAS.

Differentiator

Problem solved

Functional benefit

Brands

• Crédit expert Pro: Specialized brokerage services for professionals and businesses seeking commercial property financing and business loans.
• Crédit expert Solutions

Products and services

• Crédit expert (core mortgage brokerage) Independent mortgage brokerage service that connects individual borrowers with 16+ partner banks across France to obtain competitive mortgage rates and loan terms. Includes dossier preparation, rate negotiation, accompaniment from first appointment through signature, and access to borrower insurance products. Delivered through 24 physical agencies and online simulation tools.
• Crédit expert Solutions Specialized credit consolidation and debt restructuring service under a dedicated sub-brand that helps clients merge multiple existing loans (consumer credit, mortgage, overdraft facilities) into a single, more manageable monthly payment with potentially better rates. Served by a dedicated team including a commercial animator.
• Crédit expert Pro Dedicated mortgage brokerage service for professionals and businesses under a separate sub-brand, offering specialized financing solutions tailored to the needs of entrepreneurs, self-employed individuals, and small-to-medium enterprises. Includes professional market and commercial property financing expertise.
• Crédit expat Specialized mortgage advisory service for French expatriates living abroad, accessible through a dedicated partner website and offered as part of the Crédit expert brand portfolio.
• Macif Connect Co-branded mortgage referral service operated in partnership with MACIF (via Socram Banque), enabling mutual insurance members to access Crédit expert's brokerage services through MACIF's platform. Includes joint marketing, a dedicated web page, and collaborative webinars.

Quantifiable outcome

• More than 10,000 families assisted per year
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• MACIF (via Socram Banque)coreChannel Partner/ Reseller/ DistributorMacif Connect is a co-branded referral program where MACIF acts as exclusive agent (mandataire exclusif) in banking operations on behalf of Socram Banque, directing members to Crédit expert for mortgage advisory services. The partnership includes joint marketing, a dedicated web page, and collaborative webinars.
• HK Conseil SAS (parent company)coreOthersHK Conseil SAS is the legal entity operating the Crédit expert brand. It is a Courtier-IOBSP and Courtier d'assurances registered in Longwy, with share capital of €50,000.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Magnolia: Magnolia is a French real estate services platform that bundles mortgage brokerage with property search and advisory, intersecting with Crédit expert's individual home-buyer segment through a more integrated digital property-finance journey.

Direct peers

• Vousfinancer: Vousfinancer is a French mortgage broker with a national network of agencies specializing in residential mortgage intermediation, positioning itself as a premium personalized service competing directly with Crédit expert's advisor-led model.
• Pretto: Pretto is a French digital-first mortgage broker providing online mortgage simulation and advisor support via tech-enabled channels, competing for the same individual home-buyer segment as Crédit expert with a structurally lower-cost model.
• ACE Crédit: ACE Crédit is a French mortgage broker offering residential and investment property financing intermediation with a multi-branch agency network, overlapping with Crédit expert's core individual-buyer mortgage services.
• Cafpi: Cafpi is one of France's largest independent mortgage brokerages with a national network of physical agencies and salaried advisors, directly competing with Crédit expert across residential mortgage brokerage in France.
• Empruntis: Empruntis is a long-established French mortgage and credit broker combining online comparison tools with advisory services, serving the same individual home-buyer and refinancing segments as Crédit expert.
• Meilleurtaux: Meilleurtaux is a leading French mortgage and insurance broker operating a hybrid digital-plus-agency model, offering rate comparison and intermediation across the same residential borrower segments as Crédit expert.

Regional players

• Hypo-invest: Hypo-invest is a French mortgage broker operating with a multi-branch presence focused on residential financing intermediation, comparable to Crédit expert in service offering but with a more limited geographic footprint.

Broad incumbents

• Boursorama Banque: Boursorama Banque is a major French online bank offering mortgage products directly to consumers as part of a broader retail banking portfolio, increasingly competing with brokers like Crédit expert by lowering the cost of direct bank intermediation.
• BNP Paribas (mortgage division): BNP Paribas is both a partner bank for Crédit expert and a direct competitor via its own proprietary mortgage origination channels, representing the kind of incumbent disintermediation threat that could pressure broker commissions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/credit-expert
• Facebookfacebook.com/creditexpertfrance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Crédit expert