Ashler et Manson
Ashler et Manson is a French fintech mortgage and loan insurance brokerage operating 48 branches nationwide with proprietary AI scoring (PREACOR) and a licensed broker network, serving individual homebuyers and B2B real estate partners.
- Company typePublic
- Founded2003
- HeadquartersBordeaux, France
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Ashler et Manson does
Ashler et Manson is a French fintech mortgage and loan insurance brokerage group founded in 2003 in Bordeaux by Aymerick Penicaut and listed on Euronext Access Paris (ticker MLAEM) since September 2015. The company operates a national omnichannel distribution model combining 48 physical branches, a digital self-service platform, and a licensed brand network ('by Ashler & Manson') of 150+ collaborators across France, serving individual homebuyers, real estate investors, and B2B partners (banks, insurers, real estate professionals).
Its core offering is brokerage of mortgage loans and loan insurance through 40+ banking partners and 10+ insurance providers, supported by proprietary technology including the PREACOR AI credit scoring engine (300 parameters, 50,000+ historical cases), the Sitigeo geolocated property listings platform, online loan simulators, and an insurance comparator. The group also operates a B2B fintech API channel (white-labeled tools priced up to €50,000/month), a Qualiopi-certified training center (Campus by A&M), a luxury real estate subsidiary (Manson Properties), and a credit consolidation vertical launched in 2023.
The business model is transaction-fee driven: mortgage brokerage commissions on a managed volume of €900M in FY2025, insurance distribution commissions (50% to partners), brand licensing royalties, B2B API subscriptions, and professional training fees. FY2025 accounting revenue is projected at €7.2M (~20% growth YoY) with network revenue of €9M, net margin of ~6%, and near-zero financial debt. Strategic activity since 2020 includes acquisitions of AD Courtage (2020), RAPIDO PRET (2021), and EMBA Courtage (2023), plus a 20% minority stake in fintech ONE (2022).
Ashler et Manson firmographics
Firmographics- Name
- Ashler et Manson
- Legal name
- ASHLER & MANSON Société Anonyme
- Website
- https://ashler-manson.com
- Company type
- Public
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Ashler et Manson is a French fintech mortgage and loan insurance brokerage operating 48 branches nationwide with proprietary AI scoring (PREACOR) and a licensed broker network, serving individual homebuyers and B2B real estate partners.
- Ownership category
- akta.pro rank
Ashler et Manson industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (524210), Offices of Real Estate Agents and Brokers (53121)
- SIC
- Loan Brokers (6163), Real Estate Agents & Managers (For Others) (6531), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Collateral, Lien & Asset Valuation Platforms (Auto, Equipment, Real Estate) (FSAGAHAG)
- akta.pro secondary industries
- Debt Restructuring & Workout Advisory (Consumer & SME) (FSAEAFAH), Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE)
Keywords
Where Ashler et Manson is headquartered
LocationHeadquarters
- HQ city
- Bordeaux
- HQ country
- France
- HQ region
- Europe
Offices11 records
Markets served
Ashler et Manson business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Brokerage Commissions: Earns brokerage fees (frais de courtage) and bank commissions from financial institutions for placing mortgage loans. Partners with ~40+ banks providing access to a broad range of loan products. This is the primary revenue driver.
- Loan Insurance Distribution: Commissions from insurance companies for distributing borrower insurance alongside mortgage products. Agents earn 50% of dossier fees, first-year premiums, and recurring premiums. Platform covers ~10 insurance providers.
- Brand License and Franchise Fees: Revenue from licensing the Ashler & Manson brand to independent brokerage agencies. Licensed partners (licenciés) pay royalties based on revenue. The company also acquired and integrated the RAPIDO PRET network.
- B2B Fintech API / Tool Licensing: Revenue from white-labeling fintech tools (simulators, PREACOR API, property listings, insurance comparators) to banks, insurers, large groups, and real estate professionals. Pricing from €50,000/month for predictive real estate engine.
- Professional Training Services: Campus by A&M provides IOBSP (Intermédiaire en Opérations de Banque et Services de Paiement) training at levels 1, 2, and complementary (40h). Certified Qualiopi. Revenue from training fees for aspiring brokers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Loan calculators API for real estate agencies |
| Freemium | Monthly | Free property listings site (co-branded) |
| Other | Multi-year contract | Loan insurance comparator and subscription platform |
| Subscription | Annual | Predictive real estate platform (B2B) |
| Transaction based/ take rate | Pay-as-you-go | Insurance mandate distribution partner remuneration |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Ashler et Manson product offering
Product offeringCore offering
Ashler & Manson is a French fintech mortgage brokerage group that connects individual borrowers with 40+ banking partners to negotiate the best mortgage rates and loan insurance terms. The company combines a 48-branch physical agency network with proprietary digital tools including PREACOR AI-based credit scoring, online loan simulators, an insurance comparator covering 10+ insurers, and the Sitigeo property listings platform. It also offers credit consolidation services and white-label fintech APIs to real estate professionals, banks, and insurers.
Product overview
Ashler & Manson is a French fintech mortgage brokerage group combining a physical agency network with digital tools. The core offering is mortgage and loan insurance brokerage through 40+ banking partners, supported by proprietary AI (PREACOR) for credit scoring, a free real estate listings platform (Sitigeo), loan simulators, insurance comparators, and APIs for professionals. The group also offers luxury real estate services (Manson Properties), credit consolidation, and certified training (Campus by A&M). The ecosystem includes 150+ collaborators across owned and licensed agencies.
Differentiator
Problem solved
Functional benefit
Brands
- PREACOR: AI-powered loan pre-qualification and scoring tool allowing users to evaluate their chances of obtaining a mortgage in under 3 minutes. Includes score attestation for borrowers.
- SITIGEO
- MANSON PROPERTIES
- RAPIDO PRET
- Campus by A&M
- Le Café des Proprios
- Global Courtage
Products and services
- Mortgage Brokerage Service Core brokerage service that negotiates mortgage loans on behalf of individual borrowers through 40+ banking partners across France. Includes mortgage structuring, rate negotiation, and follow-up from application to closing. Includes first-time buyer (primo-accédants), refinancing, and investment financing.
- Loan Insurance Distribution (Assurance de Prêt) Borrower insurance brokerage covering 10+ insurance companies with electronic signature, medical questionnaires, and direct online subscription. Covers 99% of client profiles including non-residents and high-risk professions.
- Credit Consolidation (Regroupement de Crédit) Service that combines multiple loans into a single payment for borrowers. Includes both real estate and consumer credit consolidation. Expanded through partnerships with credit consolidation specialists.
- PREACOR AI Credit Scoring Proprietary AI scoring engine that evaluates mortgage approval chances in under 3 minutes using 300+ scoring parameters and machine learning trained on 50,000+ historical loan applications. Generates percentage-based creditworthiness scores and nominative PDF attestations. Available as free consumer tool and B2B API.
- Sitigeo Real Estate Listings Platform Free property listing website with precise geolocation features enabling private-to-private real estate transactions. Differentiates from major portals through accurate geolocation rather than broad search functionality.
- B2B Fintech API Suite Suite of fintech APIs including loan simulators, PREACOR scoring API, insurance comparator, property listings, and predictive real estate engine. White-labeled or co-branded for banks, insurers, large groups, and real estate professionals. Predictive real estate API priced from €50,000/month.
- Manson Properties Luxury Real Estate Premium independent real estate agency operating under a prestige network model, offering luxury property transactions with national coverage for high-net-worth buyers.
- Campus by A&M Professional Training Qualiopi-certified training center providing IOBSP (Intermédiaire en Opérations de Banque et Services de Paiement) Level 1, Level 2, and 40-hour complementary courses for mortgage brokers and insurance intermediaries. Certification valid April 27, 2025 to April 26, 2028.
- Brand License Program (by Ashler & Manson) Licensing program allowing independent brokers and agencies to operate under the 'by Ashler & Manson' brand. Licensees pay royalties based on revenue and gain access to Global Courtage platform, banking partnerships, and training.
Quantifiable outcome
- 20% revenue growth in FY2025, reaching €7.2M
- +4 more outcomes
Companies that use Ashler et Manson
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Ashler et Manson technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature6 records
Ashler et Manson partnerships and signals
Strategic signalPartnerships
33 partnerships are on record, tiered core, minor and flagship.
- EMBA Courtage (Chalon-sur-Saône)coreAshler & Manson took a participation in the Chalon-sur-Saône broker EMBA Courtage in 2023, expanding territorial presence in Burgundy.
- Fintech ONE (Nice)minorAshler & Manson holds a 20% minority stake in the Nice-based fintech ONE since 2022. Represents strategic investment in fintech ecosystem.
- RAPIDO PRETcoreAcquired from Guingamp in 2021. Brokerage network integrated into the licensed brand network 'by Ashler & Manson'.
- AD CourtagecoreAcquired in 2020. Expert company in mortgage brokerage and loan insurance. Integrated into the Ashler & Manson group structure.
- La Banque PostaleminorPartnership since 2019. La Banque Postale develops mortgage products targeting first-time buyers. Distributes through Ashler & Manson.
- Crédit Municipal de ToulonminorPartnership since 2019. Offers innovative financing solutions for situations where traditional banks don't provide answers.
- Banque TarneaudcorePartnership since 2015. Founded in 1809 in Limoges, part of the Banque Courtois/Crédit du Nord network.
- Crédit du NordcorePartnership since 2015. Founded in 1948 in Lille, part of a broad banking network including Banque Courtois and Banque Tarneaud.
- Société GénéralecorePartnership dating to 2014. One of France's largest banks, founded in 1864, serving enterprises and individuals.
- Crédit MutuelcorePartnership since 2012. Mutualist bank dating to 1882, with 1,200 local caisses and 18 regional federations. Ashler & Manson partners with Crédit Mutuel Océan and Crédit Mutuel de Mayenne.
- Crédit AgricoleflagshipPartnership since 2011 covering Crédit Agricole d'Aquitaine, Crédit Agricole Midi Pyrénées, Crédit Agricole du Morbihan, Crédit Agricole Loire Atlantique/Vendée. 'Banque verte' network serves agricultural and rural communities.
- Caisse d'ÉpargnecorePartnership since 2007. Proximity banking network founded in 1818, with 16 regional Caisses. Ashler & Manson works with regional branches in Aquitaine Poitou Charente, Midi Pyrénées, Loire Drôme Ardèche, and Rhône Alpes.
- BNP ParibasflagshipPartnership dating to 2003. BNP Paribas is one of Europe's largest banking groups with presence in 74 countries. Provides mortgage loan products distributed through Ashler & Manson brokerage.
- LCL (Le Crédit Lyonnais)flagshipPartnership dating to 2003. LCL has over 2,000 commercial locations and serves retail and professional clients.
- Banque CourtoisflagshipPartnership dating to 2003. France's oldest private regional bank with 255 years of experience.
- Fédération du Courtage en Crédit (FCC)coreAshler & Manson is a founding member of the first professional federation for intermediaries in banking operations and payment services. The FCC's mission is to gather, represent, and inform professionals in banking intermediation.
- ANACOFI (Association Nationale des Conseillers Financiers)coreANACOFI federates financial intermediation professionals and guarantees compliance with best practices, continuous training, and client interest defense in real estate financing projects.
- French Tech BordeauxminorAshler & Manson is a member of the French Tech Bordeaux community, positioning itself as a regional fintech innovation hub member.
- Hello Bank!coreOnline banking platform of BNP Paribas, launched in 2013, available in France, Italy, Germany, Belgium, and Czech Republic.
- Banque PalatineminorMid-sized bank serving ETIs and wealth management. 100% subsidiary of Groupe BPCE.
- Banque BCPminorFrench bank whose shareholders are Caisse d'Épargne and Millennium bcp (largest private bank in Portugal). Born from 2001 merger of French branches of oldest Portuguese financial institutions.
- Milleis BanqueminorIndependent French private bank, based in Paris. Created May 21, 2018 from Barclays France private banking activities acquired by AnaCap Financial Partners.
- CFCAL (Crédit Foncier Communal d'Alsace et de Lorraine)minorExists since 1872. Leading player in credit consolidation. Ashler & Manson expanded into credit consolidation in 2023.
- CCF (Hospitalet Crédit Foncier)minorFrench bank founded in 1917. Heritage and human-scale private bank offering tailored support for individuals and professionals. Part of CCF Group including My Money Bank.
- My Money BankminorSpecialized bank (formerly GE Money Bank, rebranded April 2017) focused on credit consolidation and automotive financing markets.
- CreatisminorCredit consolidation specialist since 1998. Subsidiary of Cofidis Group with shareholder Crédit Mutuel Alliance Fédérale.
- Crédit Lift CourtageminorBrand of Crédit Agricole Consumer Finance group, specializing in credit consolidation offers for banking intermediaries.
- Sygma Banque (BNP Paribas Personal Finance)minorSygma BNP Paribas Personal Finance supports clients with credit consolidation solutions (real estate and consumer credit).
- CKVminorIndependent Belgian savings bank operating through independent brokers. Active in Belgian market since 1956.
- Crédit Mutuel ArkéacoreArkéa is the Breton federation of Crédit Mutuel. Partner of Ashler & Manson through its subsidiaries Crédit Mutuel du Sud Ouest and Crédit Mutuel de Bretagne.
- Banque PopulairecoreCooperative French banking network created in 1878, comprising 14 autonomous regional banks, part of Groupe BPCE (France's second-largest banking group).
- SCORELABcoreDevelopment team for PREACOR. SCORELAB consists of data scientists, mathematicians, and statisticians responsible for machine learning implementation and technical development of the AI scoring platform.
- Nouvelle-Aquitaine RegionminorRegional government body that supported PREACOR's development. Ashler & Manson acknowledges Region's support for the AI innovation project.
Scale indicators18 records
Recent moves18 records
Expansion highlights5 records
Ashler et Manson competitors and assessment
Company assessmentDirect peers
- Vousfinancer: National French mortgage broker with physical agency network similar to A&M. Competes head-to-head in mortgage intermediation, rate shopping, and insurance delegation to individual borrowers.
- Empruntis: Long-standing French online mortgage comparison and brokerage service. Competes on rate comparison and lead-generation tools similar to A&M's simulators and PREACOR attestation.
- Meilleurtaux: Leading French mortgage and insurance brokerage, distributing credit and loan insurance across a large bank and insurer panel. Closest direct competitor to A&M by service offering, multi-agency model, and comparison-tool GTM.
- Pretto: Online-first French mortgage broker that digitised brokerage with bank aggregator APIs and 100% digital flow. Comparable in tech-enabled consumer mortgage intermediation even without A&M's physical-agency footprint.
- CAFPI: One of France's largest mortgage broker networks with extensive physical branches and bank partnerships. Directly comparable to A&M in mortgage origination intermediation and insurance distribution.
Emerging players
- Younited Credit: French regulated consumer credit platform with AI scoring and instant credit decisioning. Overlaps with A&M's PREACOR AI underwriting stack and credit consolidation activity.
- Magnolia (Assurances): French online insurance comparator and white-label platform for loan and home insurance distribution. Already a white-label partner of A&M (insurance comparator API), with overlapping B2B2C fintech distribution into brokers and lenders.
Broad incumbents
- Boursorama Banque: Leading French online bank (Société Générale group) offering direct mortgage and home insurance products. Represents the disintermediation threat as a vertically integrated competitor that potentially bypasses brokers like A&M.
- Cofidis: Large French consumer credit specialist (Crédit Mutuel alliance) active in credit consolidation and personal lending. Overlaps with A&M's 2022–2023 credit consolidation rollout and is a bank partner of the network.
- Hello Bank! (BNP Paribas): Digital arm of BNP Paribas distributing mortgage and insurance products online. One of A&M's banking partners, illustrating how incumbents may bypass intermediaries directly via their own digital channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Ashler et Manson social profiles
Digital presenceAshler et Manson compliance and trust
Trust signalCompliance1 record
Ashler et Manson financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ashler et Manson leadership team
Management profileNumber of profiles
Profiles2 records
Ashler et Manson subsidiaries and ownership
Company hierarchySubsidiaries8 records
Ashler et Manson funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ashler et Manson 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 Ashler et Manson
What does Ashler et Manson do?
Ashler & Manson is a French fintech mortgage brokerage group that connects individual borrowers with 40+ banking partners to negotiate the best mortgage rates and loan insurance terms. The company combines a 48-branch physical agency network with proprietary digital tools including PREACOR AI-based credit scoring, online loan simulators, an insurance comparator covering 10+ insurers, and the Sitigeo property listings platform. It also offers credit consolidation services and white-label fintech APIs to real estate professionals, banks, and insurers.
Is Ashler et Manson a public or private company?
Ashler et Manson is a public company. It is classified as public and is currently operating.
When was Ashler et Manson founded?
Ashler et Manson was founded in 2003. It employs 51 to 100 people.
Where is Ashler et Manson based?
Ashler et Manson is headquartered in Bordeaux, France, in the Europe region.
How does Ashler et Manson make money?
Five revenue lines are on record. Mortgage Brokerage Commissions are the primary driver. The others are loan Insurance Distribution, brand License and Franchise Fees, B2B Fintech API / Tool Licensing and professional Training Services.
Who are Ashler et Manson's main competitors?
Direct peers on record are Vousfinancer, Empruntis, Meilleurtaux, Pretto and CAFPI. Emerging players are Younited Credit and Magnolia (Assurances). Broad incumbents are Boursorama Banque, Cofidis and Hello Bank! (BNP Paribas).
Does Ashler et Manson have an API?
Yes. Ashler & Manson offers fintech APIs for professionals including: (1) Loan simulators API for calculating monthly payments and borrowing capacity with weekly updated interest rates, targeted at real estate agencies; (2) Real estate listings platform API providing access to 60,000+ property listings with daily updates, targeted at banks, insurers, and enterprise clients; (3) PREACOR AI scoring API for creditworthiness assessment returning results in under 3 minutes, targeted at real estate professionals and websites with audience; (4) Predictive real estate API combining Sitigeo and Preacor for targeted property recommendations via web and email, targeted at banks and enterprise clients, priced from €50,000/month.
What industry is Ashler et Manson in?
Ashler et Manson's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAGAHAG, Collateral, Lien & Asset Valuation Platforms (Auto, Equipment, Real Estate), with a secondary code of FSAEAFAH, Debt Restructuring & Workout Advisory (Consumer & SME). Its NAICS code is 522310 and its SIC code is 6163.