Brookéo
Brookéo is a French credit consolidation packageur (brand of ASC CRÉDITS under Groupe VILAVI) connecting 300+ independent MIOB intermediaries with major banking partners. It provides simulation tools, AI-powered document management, and commission-based intermediation services.
- Company typePrivate
- Founded2008
- HeadquartersVilleneuve, France
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Brookéo does
Brookéo operates as a packageur (specialized credit intermediary) in the French credit consolidation market, acting as a brand under ASC CRÉDITS, SAS, which is itself a subsidiary of the diversified financial services conglomerate Groupe VILAVI. Founded around 2008 and headquartered in Villeneuve d'Ascq (with its legal entity registered in Nantes), the company serves a network of more than 300 independent MIOB (Mandataire Intermédiaire en Opérations de Banque et Services de Paiement) intermediaries across France. It does not serve end consumers directly; instead, it enables licensed brokers to originate and process credit consolidation files by providing access to a broad banking partnership portfolio, dedicated expert analyst support, training, and operational infrastructure.
The company's core technology platform is VISIO, a CRM and document management system that received an AI-powered upgrade in 2025 enabling automatic classification, formatting, and chronological sorting of incoming client documents (identity, income, assets, payslips). This is complemented by a web-based simulation tool that allows MIOBs to test credit consolidation feasibility and track file progress in real-time. The platform connects intermediaries with approximately a dozen banking partners—including BNP Paribas Personal Finance (SYGMA), Crédit Agricole Consumer Finance, Younited Credit, CREATIS, CFCAL-Banque, My Money Bank, CGI Finance, La Banque Postale Consumer Finance, CréditLift Courtage, CGL, and Crédit Municipal de Bordeaux/Toulon—providing access to the full range of credit consolidation solutions in the French market, including SGAR (€2.3B segment) and mortgage consolidation products.
Brookéo's revenue model is commission-based: the company earns commissions from banking partners on credit consolidation files processed through its network, retrocedes 100% of intermediary fees to MIOBs at all amount levels, and shares 50% of distribution fees through insurance delegations. A premium tier offers uncapped commissions on banking commissions for producers exceeding €2 million in annual production volume. The company targets three intermediary personas: salaried professionals transitioning to independence, existing mortgage/insurance brokers seeking diversification into credit consolidation, and expert credit consolidation brokers seeking premium partner terms. With a small team of 16 staff members (analysts, commercial, partnerships, legal, back-office, support), Brookéo competes in a French credit consolidation market estimated at €3.1 billion in 2025 and projected to reach €3.348 billion in 2026.
Brookéo firmographics
Firmographics- Name
- Brookéo
- Legal name
- ASC CRÉDITS, SAS
- Website
- https://brookeo.fr
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Brookéo is a French credit consolidation packageur (brand of ASC CRÉDITS under Groupe VILAVI) connecting 300+ independent MIOB intermediaries with major banking partners. It provides simulation tools, AI-powered document management, and commission-based intermediation services.
- Ownership category
- akta.pro rank
Brookéo industry classification
Industry- Product category
- Credit Consolidation Intermediation Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (52239)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
- akta.pro secondary industries
- Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN), Correspondent Mortgage Lending (Delegated & Non-Delegated) (FSALACAB)
Keywords
Where Brookéo is headquartered
LocationHeadquarters
- HQ city
- Villeneuve
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Brookéo business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Intermediary Commissions on Credit Files: Brookéo generates revenue through commissions paid by banking partners on credit consolidation files processed through its network. The company retrocedes intermediary fees to MIOBs at 100% for all amounts, plus additional commissions on group insurance products. Distribution fees are retroceded at 50% through insurance delegations. A premium tier is available for producers exceeding €2 million in annual production volume.
- Premium Membership Tier: Brokers achieving €2 million in production volume can access premium remuneration grid with uncapped commissions on banking commissions, providing enhanced earnings for high-volume producers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard commission structure with 100% fee retrocession |
| Transaction based/ take rate | Multi-year contract | Premium tier for high-volume producers (€2M+ production) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Brookéo product offering
Product offeringCore offering
Brookéo operates as a packageur (specialized intermediary) in credit consolidation (regroupement de crédits), connecting a network of independent brokers (MIOBs) with banking partners. The company supports intermediaries with banking partnerships, simulation tools, expert analyst teams, training, legal/marketing support, and back-office services to process credit consolidation dossiers. Revenue is generated through commissions paid by banking partners on credit files processed through the network, retroceded to MIOBs.
Product overview
Brookéo operates as a packageur (bundler) specializing in credit consolidation (regroupement de crédits) services. The company provides a comprehensive platform combining an internal simulation tool for feasibility analysis and real-time file tracking, connected to multiple partner banking institutions including My Money Bank, Créatis, CFCAL-Banque, CGI Finance, and others. The offering includes core credit consolidation products (regroupement de crédits), real estate loans, personal loans, home equity loans, and borrower insurance. Brookéo supports a network of MIOB (Mandataires d'Intermédiaire en Opérations de Banque et Services de Paiement) with the VISIO platform for document management and AI-powered automated document processing. The service is designed for brokers and independent financial advisors seeking to diversify into credit consolidation.
Differentiator
Problem solved
Functional benefit
Products and services
- Regroupement de crédits (Credit Consolidation Packaging) Core service that consolidates multiple loans (real estate, consumer, revolving credits, social and tax debts) into a single loan to reduce monthly payments and restore budget equilibrium. Provided to MIOB intermediaries who bring end-borrower clients to Brookéo's banking partner network.
- VISIO Platform Document management and submission platform enabling MIOBs to submit client documents directly to BROOKÉO, with AI-powered automatic document organization, formatting, and classification. Provides real-time tracking of dossiers and CRM statistics for activity management.
- Simulation Tool (Outil de simulation)
Quantifiable outcome
- 98.3% of mandataires appreciate BROOKÉO's processing deadlines
- +2 more outcomes
Companies that use Brookéo
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Brookéo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature2 records
Brookéo partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- BNP Paribas Personal Finance (SYGMA)coreBanking partner for credit consolidation operations, operating under SYGMA brand. Listed as exclusive partner for credit consolidation intermediation.
- CREATIScoreBanking partner offering personal loans, mortgage loans, and credit consolidation solutions. Partner for both credit consolidation intermediation and insurance intermediation.
- CREDIT FONCIER COMMUNAL D'ALSACE ET DE LORRAINE (CFCAL-Banque)coreKey banking partner offering mortgage loans, credit consolidation, and specialized loan products including HYPO LCC, INVESTYS, and PVH (Prêt Viager Hypothécaire).
- My Money BankcoreBanking partner offering MY NEW TRESO product for financing donations and renovation work without credit consolidation. Partner for credit consolidation and insurance intermediation.
- CREDIT AGRICOLE CONSUMER FINANCEcoreBanking partner for consumer credit and credit consolidation operations. Partner for both credit consolidation and insurance intermediation.
- YOUNITED CREDITcoreBanking partner for consumer credit and credit consolidation. Partner for credit consolidation and insurance intermediation.
- CGL - Compagnie Générale de Location d'EquipementsminorBanking partner for credit consolidation and insurance intermediation.
- CAISSE DE CREDIT MUNICIPAL DE BORDEAUXminorBanking partner for credit consolidation and insurance intermediation.
- CAISSE DE CREDIT MUNICIPAL DE TOULONminorBanking partner for credit consolidation.
- LA BANQUE POSTALE CONSUMER FINANCEcoreBanking partner for credit consolidation operations.
- CGI FinancecoreBanking partner offering HYPO LCC and SGAR products for credit consolidation with additional cash (up to €75,000), and DUO PROJET solution for financing with loan takeover.
- CréditLift CourtageminorBanking partner for credit consolidation solutions.
- Groupe VILAVIcoreParent company of ASC CRÉDITS, the SAS entity operating BROOKÉO brand. BROOKÉO is a brand of Groupe VILAVI.
- VousfinancercoreMajor brokerage network operating multiple agencies that partner with BROOKÉO for credit consolidation services. Multiple agencies (Pontarlier, Bruay-La-Buissière, Montpellier, Salon-de-Provence, Saint-Gaudens, Pic Saint-Loup, Rodez) actively referring clients to BROOKÉO.
- L'ASSUREUR CREDITminorInsurance partner for borrower insurance intermediation, located at same address as ASC CRÉDITS headquarters.
- ENDYAminorSelf-regulatory association for brokerage. ASC CRÉDITS is a member, contributing to industry self-regulation standards.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Brookéo competitors and assessment
Company assessmentBroad incumbents
- Cafpi: One of France's largest mortgage broker networks with broader consumer-facing distribution. Overlaps with BROOKÉO in credit intermediation but with a wider product suite.
- Meilleurtaux: Major French financial advisory broker covering mortgage, insurance, and credit consolidation. Competes in adjacent categories with a much broader consumer brand.
- Cofidis: Large French consumer credit lender that operates both direct lending and broker-distributed credit. Adjacent to BROOKÉO's intermediary model but at a much larger scale.
- Empruntis: Established French credit and mortgage brokerage with a broader consumer-facing brand and partner network. Operates in adjacent credit intermediation categories including consolidation.
Direct peers
- Vousfinancer: Major French mortgage and credit broker network with multiple partner agencies using BROOKÉO. Operates a similar packageur-style model connecting brokers to lending partners across France, competing directly for MIOB relationships.
- Crédit Lift Courtage: French credit consolidation packageur and BROOKÉO's listed partner in the data. Operates the same intermediation model connecting independent brokers to banking partners for regroupement de crédits.
- ACE Crédit: French brokerage network specializing in credit consolidation and mortgage brokerage. Competes with BROOKÉO for the same MIOB intermediary pool in the French market.
Others
- CGI Finance: BROOKÉO banking partner offering HYPO LCC and DUO PROJET products. Operates in the same upstream banking-partner role but also distributes through competing broker channels.
- Groupe VILAVI: Parent conglomerate of ASC CRÉDITS/BROOKÉO. Holds other credit and insurance intermediary brands within its portfolio, providing internal synergies but also allocating strategic attention across multiple subsidiaries.
Emerging players
- Younited Credit: Both a BROOKÉO banking partner and a direct digital lender. Operates a competing model via direct-to-consumer consumer credit origination, partially disintermediating brokers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Brookéo social profiles
Digital presenceBrookéo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brookéo leadership team
Management profileNumber of profiles
Profiles8 records
Brookéo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brookéo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Brookéo
What does Brookéo do?
Brookéo operates as a packageur (specialized intermediary) in credit consolidation (regroupement de crédits), connecting a network of independent brokers (MIOBs) with banking partners. The company supports intermediaries with banking partnerships, simulation tools, expert analyst teams, training, legal/marketing support, and back-office services to process credit consolidation dossiers. Revenue is generated through commissions paid by banking partners on credit files processed through the network, retroceded to MIOBs.
Is Brookéo a public or private company?
Brookéo is a private company. It is classified as corporate owned and is currently operating.
When was Brookéo founded?
Brookéo was founded in 2008. It employs 11 to 50 people.
Where is Brookéo based?
Brookéo is headquartered in Villeneuve, France, in the Europe region.
How does Brookéo make money?
Two revenue lines are on record. Intermediary Commissions on Credit Files are the primary driver. The others are premium Membership Tier.
Who are Brookéo's main competitors?
Broad incumbents on record are Cafpi, Meilleurtaux, Cofidis and Empruntis. Direct peers are Vousfinancer, Crédit Lift Courtage and ACE Crédit. Others are CGI Finance and Groupe VILAVI. Younited Credit is listed as an emerging player.
Does Brookéo have an API?
No public API is recorded for Brookéo.
What industry is Brookéo in?
Brookéo's product category is Credit Consolidation Intermediation Services. Its primary akta.pro industry code is FSAKAIAD, Multi-Loan / Multi-Creditor Consolidation Loans, with a secondary code of FSAEAEAN, Debt Consolidation & Credit Card Balance Transfer Intermediation. Its NAICS code is 522310 and its SIC code is 6163.