DECISÕES E SOLUÇÕES COVILHÃ

What DECISÕES E SOLUÇÕES COVILHÃ does

DECISÕES E SOLUÇÕES COVILHÃ is a locally-franchised financial and real estate intermediation agency operating under Portugal's national Decisões e Soluções brand from its headquarters at Alameda da Europa 4 in Covilhã, Castelo Branco. The firm operates as a multi-line intermediary rather than a financial institution, providing credit intermediation (home loans, automobile financing, personal loans, debt consolidation, credit cards), insurance mediation (health, life, automobile, personal accidents, work accidents, legal protection, multi-risk home and commercial, capitalization/PPR), real estate consulting and valuation, and construction project mediation — all delivered through personal advisory across in-person office visits, telephone, email, and online simulators. Its legal entity, PALPITE CONSENSUAL – Unipessoal, Lda (NIPC 516 563 416), holds three regulatory registrations that authorize its activities: ASF insurance agent (nº 409311648/3), Banco de Portugal linked credit intermediary (nº 6546), and INCI real estate mediator (AMI nº 19733).

The firm operates on a 100% commission-based revenue model, earning referral fees from the Portuguese banks and insurance carriers for whom it is a binding intermediary, plus transaction-based commissions on real estate sales. Services are free to end clients, who are individual consumers, families, and small-to-medium enterprises (SMEs) primarily in the Beira Interior region of interior Portugal, although the firm also serves diaspora clients residing abroad (e.g., France). The team of five includes a Director (David Madeira), Commercial Director (Daniel Marques), Insurance Manager (Isabel Pais), Credit Managers, Real Estate Consultants, and a regional Viseu Commercial Director (Pedro Lima), suggesting active expansion. The business carries no proprietary technology beyond a website with online simulators and a property listings portal; its primary assets are regulatory licenses, binding intermediary contracts with all major Portuguese banks and roughly 95% of the insurance market, and local reputational capital built through client testimonials and community engagement.

Name

DECISÕES E SOLUÇÕES COVILHÃ

Legal name

PALPITE CONSENSUAL – Unipessoal, Lda

Website

https://dscovilha.pt

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Decisões e Soluções Covilhã is a Portuguese multi-line intermediation agency in Covilhã that provides credit intermediation, insurance mediation, real estate consulting, and construction advisory to individual consumers, families, and SMEs across the Beira Interior region, earning commissions from partner banks and insurers under three regulatory registrations.

Ownership category

akta.pro rank

Product category

Financial and Insurance Intermediation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Credit Repair, Debt Relief & Bankruptcy Referrals (FSAEAMAH)

Keywords

• Credit intermediation
• Insurance mediation
• Real estate brokerage
• Financial advisory
• Debt consolidation

Headquarters

HQ city

Covilhã

HQ country

Portugal

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Intermediation Commission: The company acts as a credit intermediary (registered with Banco de Portugal as Intermediário de Crédito Vinculado nº 6546), earning commissions from financial institutions for placing credit products. The service is free for customers.
2. Insurance Mediation Commission: The company acts as an insurance mediator (registered with ASF as Agente de Seguros under nº 409311648/3, authorized for Ramos Vida e Não Vida), earning commissions from insurance companies for placing insurance products. The service is free for customers.
3. Real Estate Sales Commission: The company earns commissions from buying and selling real estate properties, including land, houses, and rural properties listed on their website.
4. Construction and Works Consultancy: The company provides construction consulting services, connecting clients with construction companies and managing projects from start to finish, potentially earning referral or service fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

DECISÕES E SOLUÇÕES COVILHÃ is a multi-line financial and real estate advisory intermediary offering credit intermediation (home loans, personal, automobile, debt consolidation, credit cards), insurance mediation (health, life, automobile, accident, legal protection, multi-risk, capitalization), real estate brokerage, construction works mediation, and property valuations. Services are free for end clients and the firm is compensated by commissions from partner banks, insurers, and real estate transactions.

Product overview

DECISÕES E SOLUÇÕES COVILHÃ operates as a multi-service financial and real estate brokerage firm offering a portfolio of integrated services. The core offerings include: (1) Credit Intermediation (Intermediação de Crédito) covering home loans (Crédito Habitação), automobile financing (Crédito Automóvel), personal loans (Crédito Pessoal), debt consolidation (Crédito Consolidado), and credit cards; (2) Insurance Mediation (Mediação de Seguros) including health, life, automobile, personal accidents, work accidents, legal protection, multi-risk home/commercial, and capitalization/PPR insurance; (3) Real Estate Consulting (Consultoria Imobiliária) and property listings; (4) Construction Mediation (Mediação de Obras) and full construction consulting (Construção) from project to key delivery; and (5) Professional Property Valuations (Avaliações Imobiliárias). The firm also provides digital simulation tools for credit and insurance products. The services are delivered through a network of credit partnerships with major Portuguese banks (Santander, BPI, Bankinter, Novo Banco, CGD, BIC, UNICRE) and insurance partnerships with multiple insurers. The company is registered with ASF as an insurance agent, holds AMI real estate license, and is a linked credit intermediary registered with Banco de Portugal.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• The company claims to help clients achieve lower credit installments and insurance premiums through market comparisons and negotiation, though specific percentage reductions are not disclosed in client testimonials.
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• TranquilidadecoreChannel Partner/ Reseller/ DistributorTranquilidade is one of the insurance companies offered through the company's insurance mediation service. The company presents Tranquilidade products to clients seeking insurance coverage.
• AdvanceCarecoreChannel Partner/ Reseller/ DistributorAdvanceCare is a health insurance/healthcare provider included in the company's insurance offerings, providing health insurance products to clients.
• Liberty SegurosminorChannel Partner/ Reseller/ DistributorLiberty Seguros is one of the insurance companies included in the company's insurance mediator network for placing insurance products.
• MAPFREcoreChannel Partner/ Reseller/ DistributorMAPFRE is one of the major insurance companies with which the company works to place insurance products for clients across various lines of business.
• MédiscoreChannel Partner/ Reseller/ DistributorMédis is a health insurance brand included in the company's insurance mediation offerings, providing health insurance solutions to clients.
• AllianzcoreChannel Partner/ Reseller/ DistributorAllianz is one of the major insurance companies partnered with the company for insurance mediation, covering multiple insurance lines including health, life, automobile, and multirisk.
• Other Partner Insurers (Multiple)minorChannel Partner/ Reseller/ DistributorOther insurers included in the company's network: Una Seguros, April, Asisa, Real Vida, Victoria, MetLife, Saúde Prime, HISCOX, INNOVA. The company states it works with 95% coverage of insurers in the market.
• Fundação do GilminorStrategic or Co-development PartnerFundação do Gil is one of the charitable causes supported by the company as part of its social responsibility mission. The company participates in charitable activities and donations.
• Cáritas PortuguesaminorStrategic or Co-development PartnerCáritas Portuguesa is one of the charitable associations supported by the company as part of its community investment and social responsibility activities.
• Corações com CoroaminorStrategic or Co-development PartnerCorações com Coroa is one of the causes supported by the company through charitable donations and community involvement as part of its social mission.
• Other Partner Real Estate AgenciesminorChannel Partner/ Reseller/ DistributorThe company works with other real estate agencies (partner agencies) to present a complete range of properties to clients. When helping clients buy property, the company presents not only its own listings but also properties from partner agencies, ensuring a comprehensive selection.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MDS Portugal: Portuguese insurance broker and risk consultancy. Direct competitor in the insurance mediation segment of DS Covilhã's business.
• Credibom: Portuguese credit broker (BNP Paribas subsidiary) offering personal loans, automobile financing, and consumer credit. Similar retail credit intermediation focus to DS Covilhã.
• RE/MAX Portugal: Portuguese real estate brokerage franchise with national coverage. Competes directly with DS Covilhã's real estate brokerage and consulting services.
• Cofidis Portugal: Portuguese credit broker offering personal loans, automobile financing, and credit solutions. Direct competitor in the consumer credit intermediation space.
• ERA Portugal: Portuguese real estate brokerage franchise operating with a similar brokerage model covering property sales, purchases, and consulting services.
• Century21 Portugal: Portuguese real estate brokerage franchise. Direct competitor in the real estate consulting and brokerage segment of DS Covilhã's offering.
• Doutor Finanças: Portuguese financial advisory and credit intermediation company providing multi-product financial advisory services to Portuguese consumers with multiple bank and insurer partnerships.
• MaxFinance: Portuguese credit broker with a similar intermediation model, connecting clients with multiple banks for mortgage, personal, and consumer credit. Competes directly with DS Covilhã's credit intermediation service line.

Others

• ComparaJá.pt: Portuguese financial product comparison platform. Represents the digital comparison/disintermediation trend that could erode the traditional broker intermediation model over time.

Broad incumbents

• Decisões e Soluções (Parent Brand): Parent franchise network under which DS Covilhã operates. Provides centralized brand, partnership infrastructure, and operational systems across multiple national agencies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/decisoesesolucoescovilha
• LinkedInlinkedin.com/company/decis%C3%B5es-e-solu%C3%A7%C3%B5es-covilh%C3%A3
• Instagraminstagram.com/ds360covilha

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 DECISÕES E SOLUÇÕES COVILHÃ