Court'ea CREDITS

What Court'ea CREDITS does

Court'ea CREDITS (legal entity COURTEA SÀRL) is a French independent mortgage and borrower-insurance brokerage network headquartered in Grenoble, France, founded in 2009 and operating under IORIAS registration number 130 022 86 with ACPR supervision. The company operates a dual physical-digital distribution model consisting of 16-25 franchised and owned agency locations across ten French regions (including Auvergne-Rhône-Alpes, Île-de-France, PACA, Occitanie, Grand Est, Hauts-de-France, and La Réunion) plus a 100% online service channel that serves clients nationwide. Its product portfolio centers on mortgage intermediation (courtier en prêt immobilier), loan consolidation (regroupement de crédits), borrower insurance (assurance emprunteur), professional credit (crédit professionnel), and related sub-products (PTZ, prêt relais, prêt lissé, rachat de soulte, prêt hypothécaire), supported by digital tools including a loan simulator, insurance comparator, and a real-time interest-rate barometer.

The underlying technology is a web-based brokerage platform with broker-management software that enables affiliated brokers to compare offers, prepare loan files, and submit applications across a partner network of 45+ banking institutions (BNP Paribas, Société Générale, Crédit Agricole, Caisse d'Épargne, Banque Populaire, La Banque Postale, Crédit Coopératif, Banque Palatine, BCGE, Banque de Savoie, Crédit du Nord) and 16+ insurance carriers (CARDIF, GENERALI, SwissLife, MACIF, MMA, APRIL, Alptis, Afi Esca, MNT). Real-estate referral partnerships with ORPI, Century 21, Guy Hoquet, and FNAIM Isère provide additional lead flow from property transactions.

The business model is transaction-fee intermediation plus franchise/licensing royalties. Court'ea earns commissions from banks when a loan is granted (capped at 1.5% of the loan amount or €5,900), commissions from insurers on borrower policies (0-40% first-year premium, 0-10% thereafter), and entry plus monthly subscription fees from affiliated brokers (€5,000 HT brand-license fee, €2,500 HT hybrid sub-license fee, €250/month service subscription). Affiliated brokers return 90-95% of commissions to the network. Customer segments are horizontal: individual property buyers (primary), business owners seeking professional financing, and insurance borrowers. Marketing relies on website content, social media, SEO, online inquiry forms, and franchise recruitment pages.

Name

Court'ea CREDITS

Legal name

COURTEA SÀRL

Website

https://courtea.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Short description

Court'ea CREDITS is an independent French mortgage and borrower-insurance brokerage network headquartered in Grenoble, operating 16-25 franchised agencies and digital channels nationwide, intermediating loans and insurance for individual property buyers and small-business owners through 45+ bank and 16+ insurer partners.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro industry

PRIMARYFSAEAEAM

Personal Loan & Unsecured Credit Intermediation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

Keywords

• Mortgage brokerage services
• Borrower insurance intermediation
• Loan consolidation services
• Professional credit brokerage
• Real estate financing brokerage

Headquarters

HQ city

Grenoble

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, Others

Revenue model

1. Loan Intermediation Commissions: Court'ea earns commissions from lending institutions (banks) when a loan is granted. The company receives a percentage of the loan amount from the bank, and may also charge a client fee to cover the difference if the bank's contribution is below the maximum rate. Fees are capped at 1.5% (5,900 euros maximum) of the loan amount obtained.
2. Insurance Intermediation Commissions: Court'ea earns commissions from insurance companies and wholesale insurance brokers for placing borrower insurance policies. Commissions range from 0-40% of first-year premiums and 0-10% of subsequent year premiums, or 0-20% linearly each year. File fees of 0-100 euros per case may also apply.
3. Franchise/License Fees: The company generates revenue through its franchise model, charging entry fees (5,000 euros HT for brand license, 2,500 euros HT for hybrid sub-license) and monthly service subscriptions (from 250 euros TTC/month) to affiliated brokers. Licensed brokers pay 90-95% of commissions back to the network.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Court'ea CREDITS operates as an independent mortgage and borrower insurance brokerage network in France, intermediating loan and insurance products on behalf of clients with 45+ banking partners and 16+ insurance partners. The firm prepares and submits loan files, negotiates financing terms, and arranges borrower insurance, charging capped commissions of up to 1.5% (max €5,900) of the loan amount and commission shares on insurance premiums. Services are delivered through 16-25 physical agencies plus 100% online digital channels, and the network is extended via a franchise/license model.

Product overview

Court'ea CREDITS is an independent mortgage and insurance broker network operating across France with 25+ agencies. The company offers a unified brokerage service connecting clients with banking and insurance partners. Core offerings include mortgage intermediation (courtier en prêt immobilier), debt consolidation (regroupement de crédits), borrower insurance (assurance emprunteur), and professional credit solutions (crédit professionnel). The service portfolio is complemented by digital tools including a loan simulator, insurance comparator, and interest rate barometer. The company operates under a fair compensation model where client fees are capped at 1.5% of the borrowed amount minus bank commissions.

Differentiator

Problem solved

Functional benefit

Products and services

• Courtier en prêt immobilier (Mortgage brokerage) Core mortgage intermediation service that assists individual clients in finding and securing real estate financing through comparative analysis across multiple banking partners, including handling of PTZ, prêt hypothécaire, prêt relais, and prêt lissé sub-products.
• Regroupement de crédits (Loan consolidation / repurchase) Service that combines multiple outstanding debts into a single loan with one monthly payment, potentially reducing the monthly payment burden and optimizing borrowing cost.
• Assurance emprunteur (Borrower insurance) Intermediation of borrower insurance covering death, disability, and unemployment, with access to group insurance and insurance delegation options, including support for switching under Loi Lemoine.
• Crédit professionnel (Professional credit) Professional financing brokerage for entrepreneurs, artisans, merchants, and professionals covering business creation, acquisition, franchise, and commercial property purchase financing.

Quantifiable outcome

• Reducing monthly payments by up to 60% through loan consolidation
• +1 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

24 partnerships are on record, tiered minor and core.

• Banque Cantonale de Genève (BCGE)minorChannel Partner/ Reseller/ DistributorSwiss banking partner providing financing solutions for clients, particularly those with cross-border banking needs or seeking Swiss lending options.
• Banque de SavoieminorChannel Partner/ Reseller/ DistributorRegional banking partner serving clients in the Savoie region.
• Banque PalatineminorChannel Partner/ Reseller/ DistributorBanking partner providing commercial and private banking services.
• Banque Populaire (multiple regional entities)coreChannel Partner/ Reseller/ DistributorMultiple regional Banque Populaire entities including Bourgogne Franche-Comté, Auvergne Rhône-Alpes, Rives de Paris, Méditerranée, Val de France, Occitane, du Sud, Alsace Lorraine Champagne, and BRED. Major cooperative banking network partner.
• Banque Crédit du Nord / Banque Rhône AlpesminorChannel Partner/ Reseller/ DistributorRegional banking partners serving northern and alpine regions.
• BNP ParibascoreChannel Partner/ Reseller/ DistributorMajor national banking partner including BNP Paribas International Buyers division for international clients.
• Caisse d'Épargne (multiple regional entities)coreChannel Partner/ Reseller/ DistributorMultiple regional Caisse d'Épargne entities including Bourgogne Franche-Comté, Loire Drome Ardèche, Rhône Alpes, Languedoc Roussillon, Midi Pyrénées, Provence Alpes Corse, Ile de France, and Grand Est Europe.
• Crédit Agricole (multiple regional entities)coreChannel Partner/ Reseller/ DistributorMajor cooperative banking network including Crédit Agricole Centre-Est, Sud Rhône-Alpes, La Réunion, and Alsace Vosges regional entities.
• La Banque PostaleminorChannel Partner/ Reseller/ DistributorNational postal bank partner providing services to retail and private banking clients.
• Société GénéralecoreChannel Partner/ Reseller/ DistributorMajor national banking partner and parent of CGI Finance subsidiary partner.
• Crédit CoopératifminorChannel Partner/ Reseller/ DistributorCooperative bank partner serving social economy and responsible business sectors.
• MACIFminorChannel Partner/ Reseller/ DistributorInsurance partner providing borrower insurance products through mutual insurance model.
• AlptisminorChannel Partner/ Reseller/ DistributorInsurance partner specializing in health and insurance solutions.
• Afi EscaminorChannel Partner/ Reseller/ DistributorInsurance partner providing specialized insurance products.
• CARDIF (BNP Paribas Assurance)coreChannel Partner/ Reseller/ DistributorMajor insurance partner specializing in borrower insurance and creditor protection.
• APRILminorChannel Partner/ Reseller/ DistributorInsurance partner offering online insurance products including borrower insurance.
• GENERALIcoreChannel Partner/ Reseller/ DistributorMajor international insurance partner providing comprehensive insurance solutions.
• SwissLifeminorChannel Partner/ Reseller/ DistributorInsurance partner offering life and borrower insurance products.
• MMAminorChannel Partner/ Reseller/ DistributorInsurance partner providing multi-risk and borrower insurance products.
• MNT (Mutuelle Nationale Territoriale)minorChannel Partner/ Reseller/ DistributorInsurance partner serving public sector employees with specialized coverage.
• ORPIminorChannel Partner/ Reseller/ DistributorMajor French real estate network partner providing property acquisition referrals.
• Century 21minorChannel Partner/ Reseller/ DistributorInternational real estate franchise network partner for property referrals.
• Guy Hoquet L'ImmobilierminorChannel Partner/ Reseller/ DistributorReal estate agency network partner for property transaction referrals.
• FNAIM IsèreminorChannel Partner/ Reseller/ DistributorProfessional real estate federation partner for local market expertise.

Scale indicators1 record

Recent moves8 records

Expansion highlights5 records

Direct peers

• Empruntis: Established French online mortgage broker (subsidiary of Compagnie Financière Tradition) offering mortgage and insurance comparison services, with both agency and digital distribution similar to Court'ea's hybrid approach.
• Meilleurtaux: One of France's largest independent mortgage and insurance broker networks with comparable multi-product offerings (mortgage, regroupement de crédits, insurance) and franchise/agency distribution across France. Closest comparable in scale and product mix.
• Vousfinancer: French mortgage broker franchise network with similar agency-based model and multi-bank partnerships, competing directly for the same individual borrower and refinancing customer segments.
• CAFPI: Major French mortgage broker with national agency network and similar banking partner relationships, offering mortgage, consolidation, and insurance intermediation to individual and professional clients.
• Pretto: Digital-native French mortgage broker offering online-first mortgage intermediation with similar banking partner network. Represents the technology-forward competition to Court'ea's hybrid model.
• Magnolia (Magalia): French online mortgage broker competing on speed and digital UX, also serving individual property buyers and refinancers through similar banking partnerships.

Emerging players

• Younited Credit: European online consumer credit platform offering personal loans and credit intermediation with digital underwriting, overlapping with Court'ea's consumer credit and professional financing offerings through a different distribution model.

Broad incumbents

• Boursorama Banque: Société Générale-owned French direct bank offering online mortgage products directly to consumers, bypassing brokers. Represents a structural disintermediation threat to Court'ea's value proposition.
• Crédit Immobilier de France: French mortgage lender offering home loans and insurance directly, including regulated IOBSP intermediaries. Provides a reference for vertically integrated competitors.

Others

• Lendopolis: French crowdlending platform (part of Tikehau group) for professional and real estate financing, adjacent to Court'ea's professional credit brokerage business as an alternative funding channel for similar borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/court_ea
• Facebookfacebook.com/courtea.credits
• Instagraminstagram.com/courteacredits

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Court'ea CREDITS