Developer docs
API playgroundTry for free, no card

Search company profiles

CJC

Full company profile

uuid0044esm

Namestring
CJC
Legal namestring
SARL CJC PATRIMOINE
Company typeenum
Private
Founded yearint
2012
Descriptiontext

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.

Short descriptiontext

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.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1–10
akta.pro rankint
HeadquartersGaillac, France
HQ citystring
Gaillac
HQ countrystring
France
HQ regionstring
Europe
Markets served

Serves global market

Offices6 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
mortgage brokerage, credit consolidation, insurance brokerage, loan advisory, real estate financing
NAICS code2 codes
  • Mortgage and Nonmortgage Loan Brokers522310
  • Insurance Agencies and Brokerages52421
SIC code3 codes
  • Loan Brokers6163
  • Insurance Agents, Brokers & Service6411
  • Mortgage Bankers & Loan Correspondents6162
Product category
Mortgage Brokerage Services
Social media profiles1 record
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Brokerage Commission (Courtage)
TypeTransaction Fee
Description

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.

chaquejourcompte.fr
Marketing channels4 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels3 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Personnel, Operations, Marketing or Sales, Others
Pricing details1 tier
1Transaction-based brokerage services
ModelTransaction based/ take rateBilling cadencePay-as-you-go
Notes

Commissions are earned on completed loan and insurance transactions. No upfront fees are charged for initial consultations or financial studies. The study is described as 'gratuite et sans engagement' (free and without obligation).

chaquejourcompte.fr
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

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.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

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.

Product and service1 record
1Prêt Immobilier (Mortgage Loans)
Scale indicator3 records

Each record includes

Type, Value, Description, Source

Partnership1 partner
Strategic tierCoreTypeOthers
Description

CJC 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.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
TypeRegional player
Description

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.

TypeDirect peer
Description

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.

TypeDirect peer
Description

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.

TypeDirect peer
Description

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.

TypeDirect peer
Description

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.

TypeBroad incumbent
Description

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.

TypeDirect peer
Description

Independent French mortgage broker with regional agency coverage offering mortgage, consolidation, and insurance intermediation. Closely comparable intermediation business to CJC.

TypeDirect peer
Description

French mortgage broker with local agency network providing mortgage brokerage, insurance, and consolidation services. Directly comparable regional-advisor-based brokerage model to CJC.

TypeDirect peer
Description

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.

TypeDirect peer
Description

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.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat2 records

Each record includes

Type, Details

Key risks7 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers3 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment3 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile4 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles9 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

CJC

Mortgage Brokerage Serviceschaquejourcompte.fr

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.

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.

CJC firmographics

Firmographics
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

Where CJC is headquartered

Location

Headquarters

HQ city
Gaillac
HQ country
France
HQ region
Europe

Offices6 records

Markets served

CJC business model

Business model
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

ModelBillingPrice
Transaction based/ take ratePay-as-you-goTransaction-based brokerage services

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

CJC product offering

Product offering

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)

Companies that use CJC

Customer profile

Named customers3 records

Segments3 records

Ideal customer profiles4 records

CJC technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

CJC partnerships and signals

Strategic signal

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

CJC competitors and assessment

Company assessment

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

CJC social profiles

Digital presence

CJC financial estimates

Financial estimate

Revenue estimate

Valuation estimate

CJC leadership team

Management profile

Number of profiles

Profiles9 records

CJC funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

CJC M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CJC

What does CJC do?

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.

Is CJC a public or private company?

CJC is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was CJC founded?

CJC was founded in 2012. It employs 1 to 10 people.

Where is CJC based?

CJC is headquartered in Gaillac, France, in the Europe region.

How does CJC make money?

One revenue line is on record: brokerage Commission (Courtage).

Who are CJC's main competitors?

Magnolia Patrimoine is listed as a regional player. Direct peers are Meilleurtaux, Empruntis, Pretto, Vousfinancer, La Centrale de Financement, Immoprêt, ACE Crédit and Cafpi. Boursorama Banque is listed as a broad incumbent.

Does CJC have an API?

No public API is recorded for CJC.

Unlock the full company data

50 free credits on sign-up, no credit card required.

Contact sales