DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO

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.

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

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

• Credit intermediation
• Home mortgage credit
• Debt consolidation
• Financial consulting
• Insurance brokerage

Headquarters

HQ city

Braga

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core and minor.

• Banco Santander Totta, S.A.coreChannel Partner/ Reseller/ DistributorContractual partnership for credit intermediation services. Major Portuguese bank providing mortgage and consumer credit products through DS Intermediários de Crédito.
• Banco BPI, S.A.coreChannel Partner/ Reseller/ DistributorContractual partnership for credit intermediation. Portuguese banking institution offering credit solutions.
• Caixa Geral de Depósitos, S.A.coreChannel Partner/ Reseller/ DistributorState-owned Portuguese bank with contractual partnership for credit intermediation services.
• Novo Banco, S.A.coreChannel Partner/ Reseller/ DistributorPortuguese banking institution with partnership agreement for credit intermediation.
• Bankinter, S.A. - Sucursal em PortugalcoreChannel Partner/ Reseller/ DistributorSpanish bank operating in Portugal through branch, providing credit products via intermediation.
• Banco CTT, S.A.coreChannel Partner/ Reseller/ DistributorPortuguese postal bank offering credit solutions through intermediation partnership.
• UNICRE - Instituição Financeira de Crédito, S.A.coreChannel Partner/ Reseller/ DistributorFinancial credit institution specialized in consumer and mortgage credit products.
• BNI - Banco de Negócios Internacional (Europa), S.A.coreChannel Partner/ Reseller/ DistributorInternational business bank with credit intermediation partnership.
• 321 Crédito - Instituição Financeira de Crédito, S.A.coreChannel Partner/ Reseller/ DistributorFinancial credit institution providing specialized credit solutions through partnership.
• ABANCA Corporación Bancaria, S.A., Sucursal em PortugalcoreChannel Partner/ Reseller/ DistributorSpanish banking group operating in Portugal with credit intermediation agreement.
• BNP Paribas Personal Finance, S.A. - Sucursal em PortugalcoreChannel Partner/ Reseller/ DistributorFrench international banking group's Portuguese branch, offering credit products via intermediation.
• Union De Créditos Inmobiliários, S.A. - Sucursal em PortugalcoreChannel Partner/ Reseller/ DistributorReal estate credit institution (UCI) specialized in mortgage solutions with partnership agreement.
• Banco BIC Português, S.A.coreChannel Partner/ Reseller/ DistributorPortuguese banking institution with credit intermediation partnership.
• SICAM - Caixa Central e Caixas de Crédito Agrícola MútuocoreChannel Partner/ Reseller/ DistributorAgricultural credit cooperative system ( Crédito Agrícola ) with partnership for credit intermediation.
• CICAP (Centro de Informação de Consumo e Arbitragem do Porto)minorOthersConsumer dispute resolution entity. Part of Decisões e Soluções consumer protection network.
• CNIACC (Centro Nacional de Informação e Arbitragem de Conflitos de Consumo)minorOthersNational consumer conflict arbitration center. Alternative dispute resolution partner.
• CIMPAS - Centro de Informação, Mediação e Arbitragem de SegurosminorOthersInsurance sector dispute resolution entity. Part of DS Seguros consumer protection framework.
• Hiscox, S.A.coreOthersInsurance 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

Regional 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

• Facebookfacebook.com/DSICREDITOBRAGACENTRO
• Instagraminstagram.com/dsicreditobragacentro
• LinkedInlinkedin.com/company/dsicreditobragacentro

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 DS INTERMEDIÁRIOS CRÉDITO - BRAGA CENTRO