Courtage et Vous

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.

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

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

• Mortgage brokerage
• Credit intermediation
• Debt consolidation
• Borrower insurance
• Professional loan brokerage

Headquarters

HQ city

Gugney

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core 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

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

22 partnerships are on record, tiered core and minor.

• Crédit AgricolecoreChannel Partner/ Reseller/ DistributorMajor 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.
• LCLcoreChannel Partner/ Reseller/ DistributorFrench bank and insurance partner integrated into the Courtage et Vous network of banking partners for loan intermediation services.
• BNP ParibascoreChannel Partner/ Reseller/ DistributorMajor 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.
• CasdencoreChannel Partner/ Reseller/ DistributorBanking partner specializing in public sector employee financing. Part of the Banque Populaire Group, provides specialized loan products.
• Crédit MutuelcoreChannel Partner/ Reseller/ DistributorMutualist banking group partner offering competitive loan products through the Courtage et Vous network.
• CICcoreChannel Partner/ Reseller/ DistributorBanking partner (Caisse Fédérale du Crédit Mutuel) included in the Courtage et Vous partner network for loan financing solutions.
• Société GénéralecoreChannel Partner/ Reseller/ DistributorMajor French banking institution partner providing financing solutions through the Courtage et Vous intermediary network.
• Banque PopulairecoreChannel Partner/ Reseller/ DistributorMutualist banking network partner offering loan products through the Courtage et Vous comparison and negotiation service.
• Caisse d'ÉpargnecoreChannel Partner/ Reseller/ DistributorSavings bank partner integrated into the Courtage et Vous financing solutions network.
• KEREIScoreChannel Partner/ Reseller/ DistributorBanking partner in the Courtage et Vous network, providing additional options for loan financing comparison.
• Crédit CoopératifcoreChannel Partner/ Reseller/ DistributorCooperative bank partner offering ethical and solidarity-based financing options through the Courtage et Vous network.
• BankkeyscoreChannel Partner/ Reseller/ DistributorBanking partner included in the Courtage et Vous network for loan financing solutions.
• AssuréacoreChannel Partner/ Reseller/ DistributorInsurance partner providing borrower insurance comparison and optimization services. Specializes in insurance delegation solutions for mortgage borrowers.
• APRILcoreChannel Partner/ Reseller/ DistributorInsurance partner in the Courtage et Vous network, offering borrower insurance products and coverage options.
• AFI ESCAcoreChannel Partner/ Reseller/ DistributorInsurance partner providing loan insurance solutions through the Courtage et Vous intermediary service.
• Union des Intermédiaires de Crédit (UIC)coreStrategic or Co-development PartnerProfessional 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 ImmobilierminorStrategic or Co-development PartnerReal estate agency partner specialized in transactions in Lorraine. Part of the local professional network supporting client projects.
• Jean-Guy de BAZELAIRE (EXPERTIMO)minorStrategic or Co-development PartnerReal estate agency partner in the EXPERTIMO network, operating in the Lorraine region to support property acquisition projects.
• Maison FlorèneminorStrategic or Co-development PartnerBuilder partner operating in Nancy since 1986. A reference constructor supporting home construction projects for Courtage et Vous clients.
• Saint Pierre ImmobilierminorStrategic or Co-development PartnerReal estate agency partner helping clients realize their property acquisition projects. Different vision of real estate focused on lifetime projects.
• UJEVIC CourtageminorStrategic or Co-development PartnerWork coordination specialist in building trades and real estate business introducer. Provides referral services for construction and renovation projects.
• IB FINANCEcoreStrategic or Co-development PartnerInsurance 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

Direct 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

• Xx.com/BrunoIlhe
• YouTubeyoutube.com/@CourtageetVous
• Facebookfacebook.com/CourtageetvousNancy
• LinkedInlinkedin.com/company/courtage-vous
• Instagraminstagram.com/courtageetvous

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Courtage et Vous