CJC

What CJC does

CJC PATRIMOINE is a French mortgage and insurance brokerage firm (SARL) operating under the brand chaquejourcompte.fr from Gaillac in the Occitanie region. The company acts as an intermediary (Courtier en Opérations de Banque and Courtier en Assurance, ORIAS 130 085 44) between individual borrowers and partner banks and insurers, sourcing mortgage loans, credit consolidation, bridge loans, sale-with-redemption (prêt réméré), and borrower insurance. It serves retail clients and small property investors across the departments of Tarn, Tarn-et-Garonne, Aveyron, Haute-Garonne, and Aude.

The firm has no proprietary technology stack of note: its technical surface consists of a WordPress-based marketing website, an online loan simulator, and the Espace Pro partner portal launched in 2021. Distribution is advisor-led, with founder Marc Zollet and roughly 7 employees (5–9 advisors) operating from a physical agency in Gaillac and remote-consultation channels across the region; there is no mobile app, no API, and no disclosed AI tooling. Marketing relies on local SEO, Google Business reviews, the website's educational blog, and word-of-mouth referrals.

CJC earns revenue on a transaction-fee / commission basis paid by partner banks and insurers for each successfully placed loan or insurance contract. The firm charges no upfront fees to clients, offering free, no-obligation financial studies as the lead-generation mechanism. No pricing, revenue figures, or funding history are publicly disclosed, consistent with its micro-enterprise status and €500 registered capital.

Name

CJC

Legal name

SARL CJC PATRIMOINE

Website

https://chaquejourcompte.fr

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

CJC PATRIMOINE is a French ORIAS-registered mortgage and insurance brokerage serving individual borrowers in the Occitanie region, arranging mortgage loans, credit consolidation, bridge financing, and borrower insurance through a network of regional advisors.

Ownership category

akta.pro rank

Headquarters

HQ city

Gaillac

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Brokerage Commission (Courtage): CJC generates revenue through brokerage commissions paid by partner banks and financial institutions for bringing them loan and insurance business. As a 'Courtier en Opérations de Banque' and 'Courtier en Assurance' registered with ORIAS (130 085 44), the company acts as an intermediary between borrowers and lenders, earning commissions on successful loan placements and insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CJC PATRIMOINE is a French mortgage and insurance brokerage firm (SARL CJC PATRIMOINE, ORIAS 130 085 44) operating in the Occitanie region since 2012. The company intermediates between individual borrowers and partner banks/insurers, offering mortgage loans, credit consolidation, bridge financing, sale-with-redemption (réméré) solutions, and borrower insurance brokerage. Services are delivered through a network of approximately 7 individual financial advisors located across Tarn, Tarn-et-Garonne, Aveyron, Haute-Garonne, and Aude departments, with both in-person consultations at the Gaillac agency and 100% remote service available.

Product overview

CJC PATRIMOINE is a mortgage and insurance brokerage firm operating as a unified service offering centered on real estate financing solutions. The core offering consists of mortgage loans (Prêt Immobilier) supported by specialized products including secured loans (Crédit Hypothécaire), sale-with-redemption financing (Prêt Réméré) for distressed borrowers, loan consolidation (Regroupement de Crédit), and borrower insurance (Assurance Emprunteur). The company also provides advisory services explaining credit rates (TAEG/TEG) and offers digital tools including an online loan calculator (Simulation Rapide) and a professional portal (Espace Pro) for business partners. All services are delivered through a network of regional advisors across Occitanie.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt Immobilier (Mortgage Loans)

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Partner Banks and Financial InstitutionscoreOthersCJC maintains relationships with multiple banking partners ('partenaires bancaires locaux') to offer clients access to competitive loan products and financing solutions. As a 'Courtier en Opérations de Banque' (banking operations broker), the company works with various lenders to match client needs with appropriate financial products.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Magnolia Patrimoine: Smaller French regional brokerage focused on Occitanie / southern France, providing mortgage and wealth-advisory services. Comparable to CJC in geography, scale, and personalized advisory approach but operates in adjacent Occitanie sub-markets.

Direct peers

• Meilleurtaux: Leading French mortgage and insurance broker operating nationally with a network of local advisors and digital tools. Directly comparable to CJC as it provides mortgage brokerage, borrower insurance, and credit consolidation, but at significantly greater scale and brand recognition.
• Empruntis: Online mortgage comparison and brokerage platform with partner-bank commission revenue model. Comparable to CJC as a French credit intermediation player but operating primarily through digital channels.
• Pretto: Digital-first French mortgage broker with online simulation, partner-bank commission model, and consumer-credit advisory services. Directly comparable to CJC's mortgage and consumer-credit offerings but with a national, technology-led GTM.
• Vousfinancer: National French mortgage and credit broker with a network of local agencies, offering mortgage brokerage, consolidation, and insurance. Closely comparable to CJC's advisory-led, multi-product brokerage model.
• La Centrale de Financement: Independent French mortgage broker with regional agency coverage offering mortgage, consolidation, and insurance intermediation. Closely comparable intermediation business to CJC.
• Immoprêt: French mortgage broker with local agency network providing mortgage brokerage, insurance, and consolidation services. Directly comparable regional-advisor-based brokerage model to CJC.
• ACE Crédit: French broker specializing in mortgage and consumer credit, including dossiers for borrowers with non-standard profiles. Comparable to CJC in intermediation model and willingness to handle complex/difficult credit files.
• Cafpi: Major French mortgage brokerage with a wide network of franchise-style agencies offering mortgage, consolidation, and insurance products. Directly comparable in product scope and intermediation model, but with national brand and franchise scale.

Broad incumbents

• Boursorama Banque: Major French online bank offering mortgage products directly to consumers alongside a much wider retail-banking portfolio. Comparable in that it competes for the same mortgage borrowers as CJC, but as a direct lender rather than an intermediary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cjc-chaquejourcompte

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 CJC