Budgéo

What Budgéo does

Budgéo is a French regulated credit consolidation broker (courtier en rachat de crédits) founded in 2018 and headquartered in Villers-lès-Nancy, in the Nancy metropolitan area. The company operates as an intermediary between individual retail borrowers and a panel of approximately ten partner lending institutions, processing applications for credit consolidation, mortgage loans and loan renegotiation, and credit insurance. It is registered with ORIAS in both the MOBSP (Intermédiaire en Opérations de Banque et en Services de Paiement) and COA (Courtier d'Assurance) categories and is supervised by the ACPR, placing it within France's standard regulated intermediation framework.

The business model is commission-based: Budgéo charges intermediation fees in a range of 1-4% on the financing volumes sourced through its partner banks. The partner panel includes BNP Paribas Personal Finance, CA Consumer Finance, CFCAL, CGL, Creatis, My Money Bank, Younited, Credilf, CGI, and La Banque Postale. The company also operates a "Devenez partenaire" referral program, indicating a multi-channel lead-generation approach that includes external introducers in addition to direct consumer acquisition. The corporate form is a SAS with €6,000 of registered capital, and Geoffrey Mangin is the disclosed Director General.

With seven employees and no disclosed proprietary technology platform, AI/ML components, patents, or external funding, Budgéo is a small, locally-scaled intermediation operation whose competitive position rests on its regulatory licensing, its partner-bank distribution network, and human advisory service. There is no evidence of geographic expansion outside France, no M&A activity, and no disclosed revenue figures; the company should be assessed as a sub-scale French retail credit broker with limited data points for investor due diligence.

Name

Budgéo

Legal name

Budgéo, SAS au capital de 6 000 €

Website

https://budgeo.fr

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Budgéo is a French regulated credit consolidation broker, founded in 2018 and based in Villers-lès-Nancy, that intermediates between individual retail borrowers and a network of partner banks for credit consolidation, mortgage, and insurance products.

Ownership category

akta.pro rank

Headquarters

HQ city

Nancy

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Intermediation fees: In the context of credit consolidation operations, intermediation fees are charged. These fees vary depending on the operation carried out. In some cases, a commission may be paid by the credit institution, determined based on the nature of the credit, volume, and quality of production. In credit consolidation, this remuneration ranges between 1% and 4% of the financing amount.
2. Credit institution commissions: Commission paid by credit establishments that remunerates distribution costs supported by Budgéo. The amount is determined based on the nature of the credit, volume, and quality of production realized.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Budgéo is a French credit consolidation broker that combines a client's existing consumer and/or mortgage loans into a single new credit with a unified interest rate and extended repayment period, in order to reduce monthly payments by up to 60%. The firm sources the best financing conditions from national, regional, and online banking partners and also offers mortgage financing/renegotiation and borrower credit insurance brokerage to individual consumers in France.

Product overview

Budgéo offers a unified financial services platform centered on credit consolidation (regroupement de crédits) as its core product. The platform combines multiple existing loans into a single restructured credit with one interest rate and extended duration, reducing monthly payments by up to 60%. Related offerings include mortgage loans and renegotiation services provided through partnerships with national, regional, and online banks, as well as credit insurance (assurances crédits) as an add-on to help borrowers save on insurance costs while meeting lender requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• Regroupement de crédits (Credit Consolidation) Core service that consolidates a client's existing consumer and/or mortgage loans into a single new credit with one interest rate and an extended duration, reducing the monthly payment by up to 60% and providing optional additional cash reserves. Targeted at individual French borrowers facing high monthly payments or seeking to finance a new project.
• Prêts immobiliers (Mortgage Loans and Renegotiation) Real estate financing and existing-mortgage renegotiation service sourced through Budgéo's network of national, regional, and online bank partners. Targeted at French property owners and buyers seeking optimal financing conditions or improved terms on an existing mortgage.
• Assurances crédits (Borrower Credit Insurance) Brokerage of borrower insurance covering death, total permanent disability, temporary total or partial incapacity, and permanent total or partial disability, with the objective of delivering cost savings versus existing coverage while remaining at least as covering and compliant with bank requirements. Targeted at French borrowers seeking to switch their assurance emprunteur for better cost-to-coverage terms.

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core.

• BNP Paribas Personal FinancecoreChannel Partner/ Reseller/ Distributor · 1 January 2018National banking partner for credit consolidation operations. Located at 1 boulevard Haussmann, 75318 Paris Cedex 09.
• CA Consumer FinancecoreChannel Partner/ Reseller/ Distributor · 1 January 2018National banking partner for credit consolidation. Located at rue du Bois Sauvage, 91038 EVRY CEDEX.
• CFCALcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Regional banking partner. Located at 1 rue du Dôme - BP 102, 67003 STRASBOURG Cedex.
• CGLcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Banking partner for credit operations. Located at 69 avenue de Flandres, 59708 MARCQ-EN-BAROEUL Cedex.
• CreatiscoreChannel Partner/ Reseller/ Distributor · 1 January 2018Banking partner for credit consolidation. Located at 61 avenue Halley - Parc de la Haute Borne, 59650 VILLENEUVE D'ASCQ.
• My Money BankcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Banking partner for credit operations. Located at Tour Europlaza, 92063 PARIS LA DEFENSE CEDEX.
• YounitedcoreChannel Partner/ Reseller/ DistributorOnline banking partner displayed in logo section alongside other banking partners.
• CredilfcoreChannel Partner/ Reseller/ DistributorBanking partner displayed in logo section for credit solutions.
• CGIcoreChannel Partner/ Reseller/ DistributorBanking partner displayed in logo section for credit solutions.
• Banque PostalecoreChannel Partner/ Reseller/ DistributorNational banking partner displayed in logo section for credit solutions.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Crédit Lift (Credilf): Regional French credit specialist (Banque Populaire group) providing mortgage and consolidation solutions; listed as a Budgéo partner while also distributing its own products directly.
• Younited Credit: French online lending platform offering personal loans and credit consolidation; listed as a Budgéo partner but also directly competes for the same consolidation clients via its own digital channel.
• Meilleurtaux: Leading French credit and insurance brokerage/comparison platform; aggregates bank offers for consumers seeking mortgages, consolidation loans, and insurance — directly comparable intermediation model to Budgéo.
• Créatis: French consumer credit specialist (Crédit Mutuel group) providing personal loans and consolidation; partner of Budgéo while also distributing directly.

Broad incumbents

• Cofidis: Major French consumer credit specialist (Crédit Mutuel group) offering credit consolidation, personal loans, and revolving credit directly to consumers through digital and branch channels.
• CA Consumer Finance: Crédit Agricole's consumer finance entity offering credit consolidation directly to consumers; a Budgéo partner but also a direct distribution competitor at national scale.
• Boursorama Banque: Société Générale's online bank offering consumer credit and mortgage products directly; competes with brokers like Budgéo by capturing clients digitally without intermediation.
• Sofinco: Crédit Agricole's consumer credit brand offering personal loans and credit consolidation directly to French consumers through digital and partner distribution.
• Cetelem (BNP Paribas Personal Finance): Consumer finance arm of BNP Paribas; one of Budgéo's banking partners but also operates its own direct-to-consumer credit consolidation offering at national scale.

Emerging players

• Moneyvox: French comparison platform for credit, insurance, and banking products; overlaps with Budgéo by aggregating bank offers for consumers seeking consolidation loans.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/budg%C3%A9o

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Budgéo