Courtage et Vous
Courtage et Vous is a French IOBSP-registered credit brokerage founded in 2023 in Nancy, serving individual and professional borrowers across France with mortgage, consumer credit, debt consolidation, borrower insurance, and professional financing via in-person and fully digital channels.
- Company typePrivate
- Founded2023
- HeadquartersGugney, France
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Courtage et Vous does
Courtage et Vous is a French credit brokerage (courtier en prêt) founded on 17 November 2023 in Nancy by Adeline Py, Caroline Florance, and Bruno Ilhe, operating as an IOBSP-registered intermediary (ORIAS N°24000294) under ACPR supervision and AFIB membership. The firm serves individual borrowers seeking mortgage financing, consumer credit, home renovation loans, debt consolidation, and borrower insurance optimization, as well as a smaller professional segment (Prêt professionnel) covering entrepreneurs, liberal professionals, and company directors. Its customer base spans first-time buyers (primo-accédants), refinancing candidates, and existing mortgage holders seeking insurance substitution under the Lemoine Law.
The company operates a hybrid go-to-market: in-person advisory across the Lorraine region (Metz, Nancy, Thionville) combined with a 100% digital remote pathway available nationwide. Distribution relies on a network of more than 18 banking and insurance partners — Crédit Agricole, LCL, BNP Paribas, Crédit Mutuel, CIC, Société Générale, Banque Populaire, Caisse d'Épargne, Casden, KEREIS, Crédit Coopératif, Bankkeys, Assuréa, APRIL, and AFI ESCA — to compare and negotiate financing conditions. Underlying technology is a WordPress/Elementor-built website augmented by rule-based online calculators (borrowing capacity, monthly payment, notary fees, borrower insurance simulator), with marketing executed through an educational blog, social media (Facebook, Instagram, LinkedIn, X/Twitter, YouTube), WhatsApp/phone outreach, and a Parrainage referral program. IT and digital marketing services are outsourced to ACT – Conseil et Services, Amplitude Informatique, and Be Famous.
The revenue model is transaction-based. Historically the firm received commissions from banking partners at approximately 1% of financed amount per dossier, but since 2019 industry commission compression has pushed the company toward client-side honoraries defined in the intermediation mandate (mandat d'intermédiation), payable only after successful loan signature in compliance with Article L.519-6 of the French Monetary and Financial Code and MURCEF Law L321-2. The firm is structured as a SAS with €6,000 in share capital, has approximately 5 employees, holds Professional Liability Insurance (RC Pro, AIG RD01895144X), and is affiliated with IB FINANCE for the insurance comparator infrastructure. No funding rounds, acquisitions, or revenue figures are disclosed.
Courtage et Vous firmographics
Firmographics- Name
- Courtage et Vous
- Legal name
- Courtage & Vous
- Website
- https://courtageetvous.fr
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Courtage et Vous is a French IOBSP-registered credit brokerage founded in 2023 in Nancy, serving individual and professional borrowers across France with mortgage, consumer credit, debt consolidation, borrower insurance, and professional financing via in-person and fully digital channels.
- Ownership category
- akta.pro rank
Courtage et Vous industry classification
Industry- Product category
- Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
Keywords
Where Courtage et Vous is headquartered
LocationHeadquarters
- HQ city
- Gugney
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Courtage et Vous business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Banking Commissions: Historically, Courtage et Vous received commissions from banking partners (approximately 1% of financed amount per dossier). Since 2019, many banks have reduced or eliminated these commissions, leading to a shift toward client-side honoraries.
- Client Honoraries: Fees defined in the intermediation mandate (mandat d'intermédiation), payable only after successful loan signing. No payment can be required before obtaining financing, in accordance with Article L.519-6 of the Monetary and Financial Code and the MURCEF Law (L321-2).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Fees defined per mandate agreement |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Courtage et Vous product offering
Product offeringCore offering
Courtage et Vous is a French credit brokerage firm (IOBSP) that acts as an intermediary between individual and professional borrowers and its network of 18+ banking and insurance partners. The company negotiates and structures mortgage loans (prêt immobilier), personal credit, home improvement loans, debt consolidation, professional financing, and borrower insurance. Services are delivered through a hybrid model combining in-person consultations in the Lorraine region (Metz, Nancy, Thionville) with a fully digital remote pathway available nationwide across France.
Product overview
Courtage et Vous operates as a unified brokerage service offering multiple financing products through a hybrid model combining in-person consultations in the Lorraine region (Metz, Nancy, Thionville) with fully digital remote services nationwide. The core offering includes mortgage loans (Prêt immobilier), personal credit (Crédit Personnel), home improvement loans (Prêt travaux), debt consolidation (Rachat de crédits), borrower insurance (Assurance emprunteur), and professional loans (Prêt professionnel). These services are supported by online simulation tools including loan capacity calculators, monthly payment calculators, notary fee estimators, and borrower insurance simulators. The company also offers a referral/sponsorship program (Parrainage).
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Savings example: Passing from a bank group contract to a personalized insurance can generate more than €16,000 in savings over 25 years for a €230,000 loan
- +1 more outcomes
Companies that use Courtage et Vous
Customer profileSegments6 records
Ideal customer profiles4 records
Courtage et Vous technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Courtage et Vous partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered core and minor.
- Crédit AgricolecoreMajor French banking group partner. Listed among the network of banking partners providing financing solutions to Courtage et Vous clients. One of the largest retail banking networks in France.
- LCLcoreFrench bank and insurance partner integrated into the Courtage et Vous network of banking partners for loan intermediation services.
- BNP ParibascoreMajor French banking group listed as a partner. BNP Paribas is one of Europe's leading banks and provides financing solutions through the Courtage et Vous intermediary network.
- CasdencoreBanking partner specializing in public sector employee financing. Part of the Banque Populaire Group, provides specialized loan products.
- Crédit MutuelcoreMutualist banking group partner offering competitive loan products through the Courtage et Vous network.
- CICcoreBanking partner (Caisse Fédérale du Crédit Mutuel) included in the Courtage et Vous partner network for loan financing solutions.
- Société GénéralecoreMajor French banking institution partner providing financing solutions through the Courtage et Vous intermediary network.
- Banque PopulairecoreMutualist banking network partner offering loan products through the Courtage et Vous comparison and negotiation service.
- Caisse d'ÉpargnecoreSavings bank partner integrated into the Courtage et Vous financing solutions network.
- KEREIScoreBanking partner in the Courtage et Vous network, providing additional options for loan financing comparison.
- Crédit CoopératifcoreCooperative bank partner offering ethical and solidarity-based financing options through the Courtage et Vous network.
- BankkeyscoreBanking partner included in the Courtage et Vous network for loan financing solutions.
- AssuréacoreInsurance partner providing borrower insurance comparison and optimization services. Specializes in insurance delegation solutions for mortgage borrowers.
- APRILcoreInsurance partner in the Courtage et Vous network, offering borrower insurance products and coverage options.
- AFI ESCAcoreInsurance partner providing loan insurance solutions through the Courtage et Vous intermediary service.
- Union des Intermédiaires de Crédit (UIC)coreProfessional association to which Courtage et Vous belongs. UIC represents and supports credit intermediaries, promoting ethical standards and practices in the profession. Membership demonstrates commitment to professional standards and regulatory compliance.
- ESTIA ImmobilierminorReal estate agency partner specialized in transactions in Lorraine. Part of the local professional network supporting client projects.
- Jean-Guy de BAZELAIRE (EXPERTIMO)minorReal estate agency partner in the EXPERTIMO network, operating in the Lorraine region to support property acquisition projects.
- Maison FlorèneminorBuilder partner operating in Nancy since 1986. A reference constructor supporting home construction projects for Courtage et Vous clients.
- Saint Pierre ImmobilierminorReal estate agency partner helping clients realize their property acquisition projects. Different vision of real estate focused on lifetime projects.
- UJEVIC CourtageminorWork coordination specialist in building trades and real estate business introducer. Provides referral services for construction and renovation projects.
- IB FINANCEcoreInsurance broker affiliated with IB FINANCE, registered with ORIAS n°14000609. Courtage et Vous uses IB FINANCE's insurance comparator for borrower insurance services. The parent company group provides infrastructure and insurance partner relationships.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Courtage et Vous competitors and assessment
Company assessmentDirect peers
- Magnolia: French online mortgage broker offering digital loan intermediation with personalized advisory support. Comparable in mortgage intermediation focus, French market targeting, and tech-augmented brokerage model.
- Vousfinancer: Established French mortgage broker with a national agency network, focused on personal accompaniment for borrowers. Directly comparable business model targeting the same customer segments with similar bank-partner intermediation.
- Cafpi: France's largest mortgage broker with a national network of agencies and a similar intermediary business model connecting borrowers with bank partners. Directly comparable in core offering, customer base, and multi-bank comparison approach.
- Pretto: French online mortgage broker using technology to streamline loan intermediation, offering a hybrid model with both digital and human advisory. Closely comparable given the similar hybrid in-person + digital positioning and direct-to-consumer go-to-market.
- Meilleurtaux: Major French mortgage and insurance broker with a hybrid online-plus-agency model serving individual borrowers. Closely comparable in intermediation approach, product breadth (mortgage + insurance optimization), and customer profile.
- ACE Crédit: French mortgage and credit broker with multiple agency locations across France. Comparable intermediary model offering mortgage and consumer credit intermediation services to individual borrowers.
- Empruntis: French mortgage broker with both online tools and in-person advisory services. Comparable in the hybrid digital-and-agency intermediation approach and borrower-facing value proposition in the French market.
- La Centrale de Financement: French mortgage broker working with multiple banking partners to provide intermediation services to individual borrowers. Directly comparable in core loan intermediation business and multi-bank comparison model.
Emerging players
- Younited Credit: French consumer credit platform offering instant personal loans and credit intermediation with a tech-enabled model. Comparable in consumer credit intermediation and French market presence, though broader in scope than mortgage-only brokers.
Broad incumbents
- Boursorama Banque: Leading French online bank offering mortgage loans directly to consumers as part of a broader banking product suite. Comparable as a competing channel for mortgage origination in the French market, though not a pure broker.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Courtage et Vous social profiles
Digital presenceCourtage et Vous compliance and trust
Trust signalCompliance5 records
Courtage et Vous financial estimates
Financial estimateRevenue estimate
Valuation estimate
Courtage et Vous leadership team
Management profileNumber of profiles
Profiles3 records
Courtage et Vous funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Courtage et Vous 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 Courtage et Vous
What does Courtage et Vous do?
Courtage et Vous is a French credit brokerage firm (IOBSP) that acts as an intermediary between individual and professional borrowers and its network of 18+ banking and insurance partners. The company negotiates and structures mortgage loans (prêt immobilier), personal credit, home improvement loans, debt consolidation, professional financing, and borrower insurance. Services are delivered through a hybrid model combining in-person consultations in the Lorraine region (Metz, Nancy, Thionville) with a fully digital remote pathway available nationwide across France.
Is Courtage et Vous a public or private company?
Courtage et Vous is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Courtage et Vous founded?
Courtage et Vous was founded in 2023. It employs 1 to 10 people.
Where is Courtage et Vous based?
Courtage et Vous is headquartered in Gugney, France, in the Europe region.
How does Courtage et Vous make money?
Two revenue lines are on record. Banking Commissions are the primary driver. The others are client Honoraries.
Who are Courtage et Vous's main competitors?
Direct peers on record are Magnolia, Vousfinancer, Cafpi, Pretto, Meilleurtaux, ACE Crédit, Empruntis and La Centrale de Financement. Younited Credit is listed as an emerging player. Boursorama Banque is listed as a broad incumbent.
Does Courtage et Vous have an API?
No public API is recorded for Courtage et Vous.
What industry is Courtage et Vous in?
Courtage et Vous's product category is Mortgage Brokerage Services. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 52231 and its SIC code is 6163.