ACE Group
ACE Group, via IMMOPRÊT (ex Ace Crédit), is a French mortgage brokerage franchise network of ~70 agencies plus a digital platform, intermediating residential and investment-property loans for 15,000+ households annually through 15+ partner banks.
- Company typePrivate
- Founded1995
- HeadquartersLevallois-perret, France
- Headcount101–250
- GTM typeB2C
- OfferingServices
What ACE Group does
ACE Group, operating primarily through IMMOPRÊT (formerly Ace Crédit / Ace Patrimoine), is a French mortgage brokerage and credit intermediation company headquartered in Levallois-Perret / Saint-Denis, founded in 1995 and now a wholly-owned brand within Groupe EMPRUNTIS (led by President Pierre de Buhren). The company operates a franchise network of approximately 70 independent agencies across France, supported by a digital platform at acecredit.fr that provides rate barometers, borrowing-capacity and monthly-payment calculators, PTZ eligibility tools, and online inquiry submission. It serves French individuals and households seeking primary-residence mortgages, secondary-home and investment-property financing, mortgage renegotiation, PTZ access, and — via its Partners Finances subsidiary — credit consolidation (rachat de crédits). It holds ORIAS registration n°18 006 519 as COBSP, MIOBSP (for Partners Finances) and COA, and is supervised by the ACPR, with GDPR-compliant data processing and professional liability cover through CNA Insurance.
ACE Group firmographics
Firmographics- Name
- ACE Group
- Legal name
- IMMOPRÊT
- Website
- https://acecredit.fr
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ACE Group, via IMMOPRÊT (ex Ace Crédit), is a French mortgage brokerage franchise network of ~70 agencies plus a digital platform, intermediating residential and investment-property loans for 15,000+ households annually through 15+ partner banks.
- Ownership category
- akta.pro rank
ACE Group industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Insurance Agencies and Brokerages (52421)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industry
- Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation) (BPAJANAA)
Keywords
Where ACE Group is headquartered
LocationHeadquarters
- HQ city
- Levallois-perret
- HQ country
- France
- HQ region
- Europe
Offices4 records
Markets served
ACE Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Bank commission on completed loans: Ace Crédit earns a commission from partner banks calculated as a percentage of the total mortgage amount when a loan is successfully finalized. This commission is paid by the bank and does not cost the borrower anything. Commission rates vary by bank.
- Brokerage fees (honoraires) paid by borrower: Clients pay brokerage honoraries for personalized advisory and accompaniment services. The fee amount is tied to the total credit amount. Fees are only charged when the loan is successfully realized. At Ace Crédit, honoraries are capped and displayed in each agency.
- Credit restructuring/merger service (via Partners Finances): The credit restructuring (rachat de crédits) service is provided by Partners Finances, a 100% subsidiary of Groupe EMPRUNTIS. This generates additional transaction-based revenue when debt consolidation loans are finalized.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | 15-year fixed rate mortgage: excellent 2.85%, market rate 3.30% |
| Transaction based/ take rate | Pay-as-you-go | 20-year fixed rate mortgage: excellent 3.00%, market rate 3.40% |
| Transaction based/ take rate | Pay-as-you-go | 25-year fixed rate mortgage: excellent 3.15%, market rate 3.55% |
| Transaction based/ take rate | Pay-as-you-go | Credit restructuring (rachat de crédits) rates 4.80%–5.50% |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
ACE Group product offering
Product offeringCore offering
ACE Group operates as a French mortgage broker intermediating between individual borrowers and more than 15 partner banks. The company sources, negotiates, and secures home loans on behalf of clients through its franchise network of approximately 70 agencies (Ace Crédit / Immoprêt brands), with companion offerings in credit consolidation (rachat de crédits) through its Partners Finances subsidiary and mortgage insurance brokerage. Service is delivered via in-agency advisors and online simulation tools.
Product overview
Ace Crédit (now rebranding to Immoprêt) operates as a franchise-based mortgage brokerage network offering a comprehensive suite of real estate financing services. The core offering consists of mortgage brokerage (crédit immobilier), credit consolidation (rachat de crédits via the Partners Finances subsidiary), and mortgage insurance (assurance prêt immobilier). The company supports its services with digital tools including online calculators for monthly payments, borrowing capacity, loan duration, and PTZ eligibility. The network comprises approximately 70 agencies across France and partners with around 15 major banking institutions to provide clients with competitive loan conditions. The company was founded in 1995 and assists over 15,000 households annually.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgage Brokerage Services (Ace Crédit / Immoprêt) Intermediation service for residential mortgage origination and refinancing: a client-facing advisor collects the borrower's file, negotiates with multiple partner banks, and delivers competing offers. Target users are French individuals and households seeking home purchase, investment, or refinance financing. Priced via brokerage honoraries on top of the loan amount.
- Credit Consolidation (Rachat de crédits) Debt consolidation service for French consumers holding multiple existing loans. Restructures outstanding credit into a single loan with revised payment terms, delivered through the Partners Finances subsidiary of ACE Group.
- Mortgage Insurance Brokerage (Assurance prêt immobilier) Brokerage of borrower mortgage insurance policies paired with home loan origination. Sold to French borrowers taking out a residential mortgage, typically as a complement to the loan origination service.
Quantifiable outcome
- 15,000+ households assisted per year
- +3 more outcomes
Companies that use ACE Group
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles2 records
ACE Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ACE Group partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- Banque BCP (BCP)coreBanking partner within Ace Crédit's network of 15+ partner institutions. Customers can access Banque BCP mortgage products through Ace Crédit's brokerage services.
- Banque Populaire (BPOP)coreMajor French banking group partner within Ace Crédit's network, providing mortgage financing options to clients of the brokerage.
- BNP Paribas (BNPP)coreOne of France's largest banks and a key partner in Ace Crédit's banking network, offering competitive mortgage products to clients.
- BredcoreCooperative bank partner within Ace Crédit's network, providing mortgage financing solutions to clients.
- Caisse d'ÉpargnecoreMajor French savings bank partner offering mortgage products through Ace Crédit's brokerage network.
- CCF (Crédit Commercial de France)coreBanking partner within Ace Crédit's network, providing commercial and mortgage financing solutions.
- Crédit AgricolecoreFrance's largest banking group and key partner in Ace Crédit's mortgage brokerage network, offering diverse financing products.
- Crédit Municipal de ToulonminorMunicipal lender (pawnshop/credit institution) partner based in Toulon, offering specialized lending products through Ace Crédit.
- Hello bank!coreDigital banking brand of BNP Paribas as a partner in Ace Crédit's network, offering online-accessible mortgage products.
- La Banque Postale (LBP)corePostal bank subsidiary of La Poste group, providing government-backed and standard mortgage products through Ace Crédit.
- Louvre Banque PrivéeminorPrivate banking partner offering high-net-worth mortgage solutions through the Ace Crédit network.
- SOFIAPminorSpecialized lending institution partner within Ace Crédit's network, providing niche mortgage products.
- Société Générale (SG)coreOne of France's largest banks and a key partner in Ace Crédit's network, offering competitive mortgage and insurance products.
- UCI MortgagesminorInternational mortgage lender (headquartered in Madrid) as a cross-border financing partner in the Ace Crédit network.
- Milleis Banque PrivéeminorPrivate banking partner offering premium mortgage solutions through the Ace Crédit brokerage network.
- Partners FinancescoreSubsidiary of Groupe EMPRUNTIS providing credit restructuring and consolidation services (rachat de crédits). Partners Finances operates as a non-exclusive intermediary (MIOBSP) and handles credit restructuring cases referred by Ace Crédit / Immoprêt franchisees. Société par actions simplifiée unipersonnelle (SASU) with capital of €1,000,000, based in Nancy.
- Groupe EMPRUNTIScoreParent company of IMMOPRÊT (ex Ace Patrimoine) and Partners Finances. Groupe EMPRUNTIS is described as a pioneer and reference in credit intermediation, operating a portfolio of recognized brands in mortgage brokerage, credit consolidation, and insurance. Headquartered at 21 avenue Kleber, 75016 Paris. Led by President Pierre de Buhren.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
ACE Group competitors and assessment
Company assessmentEmerging players
- Pretto: Tech-forward French mortgage broker with a fully online experience and no physical branches. Represents the digital-native threat to Ace Crédit's franchise-agency model and competes for the same individual-borrower segment.
- Younited Credit: French consumer-credit and personal-loan fintech with mortgage products. Overlaps with Ace Crédit's credit-restructuring offering via Partners Finances and represents an emerging digital alternative in adjacent lending categories.
Direct peers
- Vousfinancer: Network-based French mortgage broker with ~100+ agencies nationwide, comparable agency footprint and franchise-like structure. Directly competes with Ace Crédit on residential mortgage brokerage and credit restructuring.
- Hello Prêt: French online mortgage broker with a multi-bank panel and rate-comparison focus. Competes with Ace Crédit's digital channel for borrowers shopping rates online before engaging an agency advisor.
- CAFPI: Major French mortgage broker with a national network of agencies and a multi-bank partner panel. Competes head-to-head with Ace Crédit in intermediating residential mortgage loans between individual borrowers and French banks.
- Magnolia.fr: Digital-first French mortgage broker offering online rate comparison and remote advisory. Competes with Ace Crédit's acecredit.fr platform for borrowers who prefer a fully online experience over a franchise-agency visit.
- Meilleurtaux: One of France's largest mortgage and insurance brokers, operating a multi-channel (online + agency) model with a wide panel of banking partners. Direct competitor to Ace Crédit in residential mortgage brokerage across France.
- Empruntis (Groupe EMPRUNTIS): Parent group of Ace Crédit/IMMOPRÊT; operates competing mortgage-brokerage brands and is the largest dedicated credit-intermediation group in France. Highly relevant as both parent and intra-group peer.
Broad incumbents
- Boursorama Banque: Online direct bank (Société Générale subsidiary) offering mortgages directly to consumers. Represents the disintermediation threat to brokers like Ace Crédit as borrowers increasingly transact directly with digital banks.
- Crédit Immobilier de France: Established French mortgage lender offering direct home-loan products. Competes with Ace Crédit at the bank-distribution layer and provides a benchmark for what bank-direct origination economics look like.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ACE Group social profiles
Digital presenceACE Group compliance and trust
Trust signalCompliance4 records
ACE Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
ACE Group leadership team
Management profileNumber of profiles
Profiles2 records
ACE Group subsidiaries and ownership
Company hierarchySubsidiaries1 record
ACE Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ACE Group 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 ACE Group
What does ACE Group do?
ACE Group operates as a French mortgage broker intermediating between individual borrowers and more than 15 partner banks. The company sources, negotiates, and secures home loans on behalf of clients through its franchise network of approximately 70 agencies (Ace Crédit / Immoprêt brands), with companion offerings in credit consolidation (rachat de crédits) through its Partners Finances subsidiary and mortgage insurance brokerage. Service is delivered via in-agency advisors and online simulation tools.
Is ACE Group a public or private company?
ACE Group is a private company. It is classified as corporate owned and is currently operating.
When was ACE Group founded?
ACE Group was founded in 1995. It employs 101 to 250 people.
Where is ACE Group based?
ACE Group is headquartered in Levallois-perret, France, in the Europe region.
How does ACE Group make money?
Three revenue lines are on record. Bank commission on completed loans are the primary driver. The others are brokerage fees (honoraires) paid by borrower and credit restructuring/merger service (via Partners Finances).
Who are ACE Group's main competitors?
Emerging players on record are Pretto and Younited Credit. Direct peers are Vousfinancer, Hello Prêt, CAFPI, Magnolia.fr, Meilleurtaux and Empruntis (Groupe EMPRUNTIS). Broad incumbents are Boursorama Banque and Crédit Immobilier de France.
Does ACE Group have an API?
No public API is recorded for ACE Group.
What industry is ACE Group in?
ACE Group's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of BPAJANAA, Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation). Its NAICS code is 52231 and its SIC code is 6163.