DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO
DS Intermediários de Crédito – Braga Centro is a Portuguese credit intermediary that connects individual consumers and small businesses with 15+ partner banks for mortgage, personal, and consolidation loans, earning commissions from financial institutions while serving clients free of charge.
- Company typePrivate
- Founded2010
- HeadquartersBraga, Portugal
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO does
DS Intermediários de Crédito – Braga Centro is a private credit intermediation and financial advisory firm based in Braga, Portugal, operating as a single office of the Decisões e Soluções network. The legal entity is Crediquest – Intermediários de Crédito Lda, registered with Banco de Portugal as a linked credit intermediary (number 4573), previously known as Embryo II, Lda. The firm was founded in 2010 and currently operates with approximately 5 employees.
The company intermediation credit products on behalf of individual consumers and small/medium enterprises, including home mortgages (Crédito Habitação), credit transfers (Transferência de Crédito), personal loans (Crédito Pessoal), debt consolidation (Crédito Consolidado), and construction loans (Crédito à Construção). The firm also distributes insurance products through the DS Seguros Braga Centro brand, covering life, health, multi-risk home, automobile, workers' compensation, liability, and capitalization/PPR products. Underlying technology is a standard credit intermediation and financial consulting platform with no proprietary AI or automation features disclosed.
The business model is commission-based: the service is provided free of charge to customers, with revenue generated from commissions paid by partner financial institutions. The firm maintains contractual partnerships with 15+ banks, including Santander Totta, BPI, Caixa Geral de Depósitos, Novo Banco, Bankinter, Banco CTT, UNICRE, BNI, 321 Crédito, ABANCA, BNP Paribas Personal Finance, UCI, Banco BIC Português, and Crédito Agrícola. Distribution is primarily direct, through face-to-face consultations at the Rua Sá de Miranda office, phone, WhatsApp, email, and online simulation forms, supported by content marketing via blog, social media, newsletter, and free e-books.
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO firmographics
Firmographics- Name
- DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO
- Legal name
- Crediquest – Intermediários de Crédito Lda.
- Website
- https://dsicreditobragacentro.pt
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- DS Intermediários de Crédito – Braga Centro is a Portuguese credit intermediary that connects individual consumers and small businesses with 15+ partner banks for mortgage, personal, and consolidation loans, earning commissions from financial institutions while serving clients free of charge.
- Ownership category
- akta.pro rank
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO industry classification
Industry- Product category
- Credit Intermediation Services
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industry
- Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)
Keywords
Where DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO is headquartered
LocationHeadquarters
- HQ city
- Braga
- HQ country
- Portugal
- HQ region
- Europe
Offices1 record
Markets served
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Commission from Financial Partners: DS Intermediários de Crédito earns commissions from financial institutions (banks) for facilitating credit agreements. The service is provided free of charge to customers. The company is a bound credit intermediary (intermediário de crédito vinculado) registered with Banco de Portugal.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free credit intermediation service |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO product offering
Product offeringCore offering
DS Intermediários de Crédito Braga Centro is a credit intermediation and financial consulting firm that connects individual consumers and businesses with over 15 partner banks and financial institutions to negotiate credit terms free of charge. The core offering includes home mortgage credit, credit transfer, personal credit, debt consolidation, and construction credit, supported by full documentation handling and ongoing advisory throughout the credit lifecycle.
Product overview
DS Intermediários de Crédito Braga Centro operates as a credit intermediation and financial consulting firm offering multiple credit products including Crédito Habitação (home loans), Transferência de Crédito (loan transfers), Crédito Pessoal (personal loans), Crédito Consolidado (debt consolidation), and Crédito à Construção (construction loans). The company also provides insurance services through DS Seguros Braga Centro, including life insurance, health insurance, multi-risk home insurance, automobile insurance, workers' compensation insurance, and capitalization/pension products. All credit services are provided free of charge to clients, with revenue generated from commissions paid by partner financial institutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Intermediation Service (Intermedia\u00e7\u00e3o de Cr\u00e9dito) Core service that connects consumers and SMEs with partner financial institutions, negotiating credit terms and handling the full application process on behalf of clients free of charge.
- Home Mortgage Credit (Cr\u00e9dito Habita\u00e7\u00e3o) Home mortgage loan intermediation for purchasing property or transferring existing mortgages to more favorable conditions.
- Credit Transfer (Transfer\u00eancia de Cr\u00e9dito) Transfer of existing home loans from one financial institution to another to obtain better interest rates or terms, including management of the full transfer process.
- Personal Credit (Cr\u00e9dito Pessoal) Personal loan intermediation for various purposes including debt consolidation, home improvements, or major purchases.
- Consolidated Credit (Cr\u00e9dito Consolidado) Debt consolidation combining multiple existing credits into a single manageable payment, negotiated with partner banks on the customer's behalf.
- Construction Credit (Cr\u00e9dito \u00e0 Constru\u00e7\u00e3o) Construction loan intermediation for building new homes, including financing for land acquisition and construction costs.
- Financial Consulting (Consultoria Financeira) Personalized financial advisory providing market research and tailored recommendations on credit options and financial planning.
- Insurance Brokerage (DS Seguros Braga Centro) Insurance brokerage offering across multiple lines (life, health, multi-risk home, auto, workers' compensation, civil liability, travel, animal, decennial, personal accidents, capitalization/PPR, and business multi-risk), frequently cross-sold with credit products and underwritten by partner insurance providers.
Quantifiable outcome
- Customers report monthly savings of approximately 200€ through credit renegotiation
Companies that use DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO
Customer profileNamed customers9 records
Segments2 records
Ideal customer profiles2 records
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- Banco Santander Totta, S.A.coreContractual partnership for credit intermediation services. Major Portuguese bank providing mortgage and consumer credit products through DS Intermediários de Crédito.
- Banco BPI, S.A.coreContractual partnership for credit intermediation. Portuguese banking institution offering credit solutions.
- Caixa Geral de Depósitos, S.A.coreState-owned Portuguese bank with contractual partnership for credit intermediation services.
- Novo Banco, S.A.corePortuguese banking institution with partnership agreement for credit intermediation.
- Bankinter, S.A. - Sucursal em PortugalcoreSpanish bank operating in Portugal through branch, providing credit products via intermediation.
- Banco CTT, S.A.corePortuguese postal bank offering credit solutions through intermediation partnership.
- UNICRE - Instituição Financeira de Crédito, S.A.coreFinancial credit institution specialized in consumer and mortgage credit products.
- BNI - Banco de Negócios Internacional (Europa), S.A.coreInternational business bank with credit intermediation partnership.
- 321 Crédito - Instituição Financeira de Crédito, S.A.coreFinancial credit institution providing specialized credit solutions through partnership.
- ABANCA Corporación Bancaria, S.A., Sucursal em PortugalcoreSpanish banking group operating in Portugal with credit intermediation agreement.
- BNP Paribas Personal Finance, S.A. - Sucursal em PortugalcoreFrench international banking group's Portuguese branch, offering credit products via intermediation.
- Union De Créditos Inmobiliários, S.A. - Sucursal em PortugalcoreReal estate credit institution (UCI) specialized in mortgage solutions with partnership agreement.
- Banco BIC Português, S.A.corePortuguese banking institution with credit intermediation partnership.
- SICAM - Caixa Central e Caixas de Crédito Agrícola MútuocoreAgricultural credit cooperative system ( Crédito Agrícola ) with partnership for credit intermediation.
- CICAP (Centro de Informação de Consumo e Arbitragem do Porto)minorConsumer dispute resolution entity. Part of Decisões e Soluções consumer protection network.
- CNIACC (Centro Nacional de Informação e Arbitragem de Conflitos de Consumo)minorNational consumer conflict arbitration center. Alternative dispute resolution partner.
- CIMPAS - Centro de Informação, Mediação e Arbitragem de SegurosminorInsurance sector dispute resolution entity. Part of DS Seguros consumer protection framework.
- Hiscox, S.A.coreInsurance provider for civil liability coverage of Crediquest, Lda. (Contracts 2510665 and 2510666, valid until 14/07/2026). Guarantees professional liability protection.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO competitors and assessment
Company assessmentRegional players
- iAhorro: Spanish mortgage and credit comparison and intermediation platform. Comparable business model to DS Braga Centro but operating primarily in Spain rather than Portugal.
- CrediMarket: Iberian credit and loan intermediation service operating across Spain and Portugal, comparing loan and mortgage offers for consumers — same intermediation concept but broader geography.
Direct peers
- Credihabita: Portuguese credit intermediary focused on mortgage and personal credit intermediation, acting between consumers and multiple Portuguese banks. Directly comparable in service offering and target customer base.
- ComparaJá: Portuguese price-comparison and credit-intermediation platform that matches consumers with loan and mortgage offers from partner banks. Competes for the same prospective borrowers as DS Braga Centro, albeit via a digital-first delivery model.
- MaxFinance Portugal: Portuguese credit intermediation firm offering mortgage, personal loan and consolidation products by comparing conditions across multiple bank partners — directly overlapping with DS Braga Centro's intermediation model.
Emerging players
- Aplazame: Digital consumer credit and point-of-sale financing provider expanding in Iberia. Represents the fintech-style emerging alternative to traditional advisory-led credit intermediation like DS Braga Centro.
Broad incumbents
- Caixa Geral de Depósitos: Largest state-owned Portuguese bank and a key partner lender for DS Braga Centro. Provides mortgage and consumer credit products directly and via the intermediary; competing for the same Crédito Habitação customers in the Braga region.
- UCI (União de Créditos Imobiliários): Specialist mortgage lender in Portugal and a current partner bank of DS Braga Centro. Represents the institutional supply side that the intermediary channels demand toward; comparable product focus but as a direct lender rather than a broker.
- Bankinter Portugal: Spanish-origin bank operating in Portugal through branch, offering mortgage and consumer credit. As a tied partner of DS Braga Centro, it both supplies the intermediary with products and competes for the same end customers through its own channels.
Others
- Decisões e Soluções: Parent network and franchise brand for DS Intermediários de Crédito. Operates the umbrella platform, central support and shared lender agreements under which DS Braga Centro delivers its local intermediation service.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO social profiles
Digital presenceDS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO financial estimates
Financial estimateRevenue estimate
Valuation estimate
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO leadership team
Management profileNumber of profiles
Profiles2 records
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO 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 DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO
What does DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO do?
DS Intermediários de Crédito Braga Centro is a credit intermediation and financial consulting firm that connects individual consumers and businesses with over 15 partner banks and financial institutions to negotiate credit terms free of charge. The core offering includes home mortgage credit, credit transfer, personal credit, debt consolidation, and construction credit, supported by full documentation handling and ongoing advisory throughout the credit lifecycle.
Is DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO a public or private company?
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO is a private company. It is classified as corporate owned and is currently operating.
When was DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO founded?
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO was founded in 2010. It employs 1 to 10 people.
Where is DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO based?
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO is headquartered in Braga, Portugal, in the Europe region.
How does DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO make money?
One revenue line is on record: commission from Financial Partners.
Who are DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO's main competitors?
Regional players on record are iAhorro and CrediMarket. Direct peers are Credihabita, ComparaJá and MaxFinance Portugal. Aplazame is listed as an emerging player. Broad incumbents are Caixa Geral de Depósitos, UCI (União de Créditos Imobiliários) and Bankinter Portugal. Decisões e Soluções is listed as an others.
Does DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO have an API?
No public API is recorded for DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO.
What industry is DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO in?
DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO's product category is Credit Intermediation Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAEAEAN, Debt Consolidation & Credit Card Balance Transfer Intermediation. Its NAICS code is 5223 and its SIC code is 6163.