78 Courtiers & Associés - Courtier crédit immobilier à Marseille

What 78 Courtiers & Associés - Courtier crédit immobilier à Marseille does

78 Courtiers & Associés is a Marseille-based mortgage and insurance brokerage (SARL under French law, legal entity SARL FICA Solutions) founded in 2010 by three associates — Florent GIANNUCCI, François-Xavier LAGALY, and Jean-Charles BAGLIONI — with a stated mission of providing personalized, non-standardized intermediation in the French home loan market. The firm operates from a single office at 54 Rue Montgrand, 13006 Marseille, with a named team of four professionals and a headcount of approximately six. It serves individual property buyers, homeowners refinancing, and real estate investors (including buy-to-let) in the Marseille metropolitan area and Bouches-du-Rhône department, with a stated geographic restriction to Provence-Alpes-Côte d'Azur.

The firm offers four core products: real estate mortgage brokerage (Prêt immobilier, including fixed-rate, adjustable-rate, PTZ, in fine, and bridge loans), credit consolidation (Rachat de crédit), mortgage insurance delegation (Assurance prêt immobilier), and personal insurance (Assurance de personne). The technical foundation is a standard content-managed website (WordPress) with no proprietary technology, automation, or AI capability disclosed. The firm's value proposition rests on aggregating a network of 17+ banking and insurance partners (Credit Agricole, Société Générale, BNP Paribas, Swiss Life, Axa, LCL, CIC, MetLife, etc.), combined with a dedicated single-contact ("interlocuteur unique") service model that guides clients from initial consultation through notary signature.

The revenue model is performance-based: the firm charges commissions ("honoraires") only upon successful loan completion, with no subscription, licensing, or recurring streams. Pricing is quote-based and not publicly disclosed. Customer acquisition is driven primarily by word-of-mouth referrals, supported by 319+ verified Google reviews (Trustindex-verified, above 4.5/5), organic SEO, and a presence on LinkedIn, Facebook, and Instagram. The firm is privately held with no external institutional investment, no parent company, and no subsidiaries.

Name

78 Courtiers & Associés - Courtier crédit immobilier à Marseille

Legal name

78 Courtiers & Associés – SARL FICA Solutions

Website

https://78cea.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

78 Courtiers & Associés is a Marseille-based mortgage and insurance brokerage (SARL) serving individual property buyers and investors in Provence-Alpes-Côte d'Azur, aggregating 17+ bank partners to negotiate home loans, credit consolidation, and insurance on a success-fee basis.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Auto & Vehicle Loan Brokerage (FSAEAEAK)

Keywords

• Mortgage brokerage
• Credit consolidation
• Real estate financing
• Insurance brokerage
• Loan refinancing

Headquarters

HQ city

Marseille

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage brokerage commission (honoraires): Revenue is generated through success-based fees ('honoraires uniquement une fois votre prêt obtenu') — the company is only paid once the loan is successfully obtained. This is a performance-based revenue model where remuneration is entirely tied to the successful completion of the client's financing. No subscription, licensing, or recurring revenue streams are described.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

78 Courtiers & Associés is an independent mortgage and insurance brokerage based in Marseille that negotiates real estate loans, loan consolidations, mortgage insurance, and personal insurance on behalf of individual clients. Leveraging a network of 17 banking and insurance partners, the firm manages the entire financing process—from dossier preparation and bank negotiation through to notary signature—charging fees only upon successful loan completion.

Product overview

78 Courtiers & Associés is a mortgage brokerage firm based in Marseille offering four interconnected financial services. The core offering centers on real estate mortgage loans (Prêt immobilier), which includes various loan products such as classical fixed-rate, adjustable-rate, zero-interest (PTZ), in fine, and bridge financing. This is complemented by loan consolidation services (Rachat de crédit) that combine multiple debts into a single manageable loan. The firm also provides two insurance verticals: mortgage insurance (Assurance prêt immobilier) and personal insurance (Assurance de personne), which protect clients and their families against death, disability, and unforeseen events. The company positions itself as an independent broker with access to a network of banking partners, offering personalized guidance from initial consultation through final signature.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt immobilier Real estate mortgage loan brokerage service for individual clients seeking financing for primary residence, secondary residence, or buy-to-let investment property purchases in the Marseille region. The broker negotiates optimal loan terms (fixed-rate, adjustable-rate, PTZ, in fine, bridge) with its network of 17 banking partners.
• Rachat de crédit Loan consolidation service that combines multiple existing loans into a single new loan for individual clients, reducing monthly payments by extending repayment duration. May include additional cash for new projects.
• Assurance prêt immobilier Mortgage insurance brokerage helping clients find optimal coverage meeting bank requirements. Coverage includes death/disability, temporary incapacity (ITT), and optional unemployment. Supports insurance delegation and policy changes under French laws (Lemoine, Hamon, Bourquin).
• Assurance de personne Personal insurance brokerage offering death insurance, disability/invalidity coverage, long-term care insurance, and health prévoyance for individual clients and their families, covering medical expenses not handled by public health or mutual insurance.

Quantifiable outcome

• 319+ clients rated the service as 'Excellent' (verified by Trustindex, score above 4.5/5 over the past 12 months)
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core and minor.

• Credit AgricolecoreChannel Partner/ Reseller/ DistributorOne of 17+ banking partners used by 78 Courtiers & Associés to source mortgage loan offers for clients. Credit Agricole provides lending products that are compared and presented to clients seeking optimal financing conditions.
• Société GénéralecoreChannel Partner/ Reseller/ DistributorOne of 17+ banking partners providing mortgage and loan products through the brokerage network.
• Swiss LifecoreChannel Partner/ Reseller/ DistributorBanking and insurance partner providing savings, protection, and loan-related products.
• Solly AzarcoreChannel Partner/ Reseller/ DistributorInsurance partner offering mortgage and personal insurance products through the brokerage.
• SMC - Société Marseillaise de CréditcoreChannel Partner/ Reseller/ DistributorRegional bank partner (Société Marseillaise de Crédit) offering mortgage products, particularly relevant for local Marseille clients.
• PrémavalsminorChannel Partner/ Reseller/ DistributorBanking partner providing credit solutions through the brokerage network.
• UgipminorChannel Partner/ Reseller/ DistributorBanking partner referenced in the network of partners.
• MetlifecoreChannel Partner/ Reseller/ DistributorInsurance partner providing creditor insurance and personal insurance products.
• LCLcoreChannel Partner/ Reseller/ DistributorBanking partner (Le Crédit Lyonnais) offering mortgage products through the broker network.
• CEPAC / La CepeccoreChannel Partner/ Reseller/ DistributorRegional banking partner (Caisse d'Épargne Providence Actions Crédits) serving the Provence region, relevant for local Marseille clients.
• BNP ParibascoreChannel Partner/ Reseller/ DistributorMajor national banking partner providing mortgage and financial products through the brokerage.
• AxacoreChannel Partner/ Reseller/ DistributorInsurance partner providing mortgage insurance and personal insurance products.
• AvivacoreChannel Partner/ Reseller/ DistributorInsurance partner offering mortgage and personal insurance products.
• AssuréaminorChannel Partner/ Reseller/ DistributorInsurance partner providing coverage options for mortgage and personal insurance.
• AlptisminorChannel Partner/ Reseller/ DistributorInsurance partner offering supplementary health and personal insurance products.
• Afi EscaminorChannel Partner/ Reseller/ DistributorInsurance partner providing personal insurance and provident products.
• CIC BanquecoreChannel Partner/ Reseller/ DistributorBanking partner (Crédit Industriel et Commercial) offering mortgage and loan products.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Empruntis: Long-standing French mortgage comparison and brokerage platform. Offers prêt immobilier, rachat de crédits, and insurance brokerage — closely overlapping product set.
• Ace Crédit: National French mortgage and credit broker offering prêt immobilier, rachat de crédits, and insurance products through a partner-bank network. Direct head-to-head competitor in the same intermediary segment.
• Vousfinancer: French mortgage broker network with franchise-style agencies across France. Comparable model of independent brokerage with multi-bank partner access and personalized client follow-up.
• CAFPI: France's largest independent mortgage broker network with ~230 agencies nationwide. Directly comparable business model — intermediary between borrowers and a panel of partner banks/insurers offering mortgage brokerage, rachat de crédit, and insurance brokerage.
• Meilleurtaux: Leading French mortgage and insurance brokerage with both online and agency channels. Comparable offering across Prêt immobilier, Rachat de crédits, and assurance emprunteur, serving similar individual borrowers.

Emerging players

• Younited Credit: European online lending platform active in France offering personal loans and credit consolidation. Adjacent competitor in the rachat de crédit / consumer credit space where 78 Courtiers is also active.
• Pretto: Digital-first French mortgage broker with an end-to-end online platform. Competes for the same individual borrowers with a more scalable, technology-driven model — relevant as a competitive threat.
• Magnolia: Online mortgage broker in France using a digital platform to source and negotiate loans. Targets the same individual borrowers and competes on convenience and speed.

Broad incumbents

• Boursorama Banque: Major French online bank offering direct mortgage origination alongside its broader retail banking suite. Represents the direct-bank channel that competes with brokers for the same mortgage demand.
• Crédit Agricole: One of France's largest retail banks and a key lending partner of 78 Courtiers. While the firm sources offers from Crédit Agricole, the bank's direct mortgage channel competes for the same end clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/78courtiersetassocies
• LinkedInlinkedin.com/company/78-courtiers-associ%C3%A9s
• Instagraminstagram.com/78cea/?hl=fr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 78 Courtiers & Associés - Courtier crédit immobilier à Marseille