ELOIS

What ELOIS does

ELOIS, operating commercially as Simulassur, is a France-based B2B digital marketplace for loan insurance (assurance emprunteur), headquartered in Puteaux. The company targets insurance brokers (courtiers), banking institutions, and credit professionals, enabling them to compare more than 15 insurance contracts from market-leading providers, access exclusive products, and complete end-to-end subscriptions through a 100% digital, paperless workflow that integrates medical questionnaires, electronic signature, and automated certificate generation in approximately 15 minutes, with 90% of medical responses processed immediately. The underlying platform is a self-serve web-based tool (with a dedicated partner portal at pro.simulassur.fr) that requires no sales intervention, supported by social media channels for partner acquisition.

ELOIS operates a freemium model: the platform is provided free of charge to broker and institutional partners, and revenue is generated through marketplace commissions on insurance transactions facilitated between partners and the insurance providers whose products are aggregated on the platform. The company offers personalized commission structures (precompte, linéaire, or escompte) and flexible management modes (direct or delegated) to accommodate diverse partner economics. With a reported headcount of approximately 6 employees and no disclosed funding, ownership, M&A, or leadership change history, ELOIS functions as a lean, product-led marketplace operator focused on a single geography (France) and a single product vertical (loan insurance distribution), positioning itself as the leading B2B marketplace in its niche.

Name

ELOIS

Legal name

Simulassur

Website

https://elois.fr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

ELOIS (Simulassur) operates a B2B digital marketplace for loan insurance in France, enabling insurance brokers, banks, and credit professionals to compare 15+ contracts from leading insurers and complete paperless subscriptions in 15 minutes, monetizing via marketplace commissions across 3,000+ partners.

Ownership category

akta.pro rank

Product category

Loan Insurance Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

Keywords

• Loan insurance marketplace
• Insurance comparison platform
• B2B insurance broker tools
• Assurance emprunteur platform
• Digital insurance subscription

Headquarters

HQ city

France

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Marketplace Commissions: As a B2B marketplace for loan insurance, Simulassur generates revenue through commissions from insurance providers whose products are compared and sold through the platform. Partners (courtiers/institutional players) access the platform to compare offers and subscribe clients, with Simulassur earning from the transactions facilitated.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Simulassur is a B2B digital marketplace platform for loan insurance (Assurance Emprunteur) that enables insurance brokers, credit professionals, and banking institutions in France to compare more than 15 contracts from market-leading providers. The platform supports a fully digital subscription workflow including medical questionnaires, electronic signature, and membership certificate generation, completing subscriptions in approximately 15 minutes with 90% immediate medical responses.

Product overview

Simulassur is a B2B digital marketplace for loan insurance (Assurance Emprunteur), positioned as the N°1 B2B MarketPlace. The platform provides a unified digital environment where insurance professionals, credit providers, and banking institutions can compare contracts from multiple market leaders, access exclusive insurance products, customize commission structures, and execute fully digital subscription workflows including medical questionnaires and electronic signature. The platform is operated by ELOIS and serves over 3,000 partner institutions and brokers.

Differentiator

Problem solved

Functional benefit

Products and services

• Simulassur

Quantifiable outcome

• 90% of medical responses are immediate
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Assur&Mut: French insurance broker and comparison platform specializing in personal insurance products including loan insurance, directly overlapping with Simulassur's offering to brokers and consumers.
• Magnolia.fr: Direct French competitor in online loan insurance comparison and subscription, targeting a similar broker and borrower customer base with multi-insurer aggregation.
• Meilleurtaux Assurance Emprunteur: Major French comparator platform that, among other financial products, sells loan insurance comparison and subscription to borrowers and brokers, making it a direct competitor in the same product category.

Emerging players

• Younited Credit: French consumer credit marketplace that partners with lenders and can distribute or cross-sell related credit protection insurance, making it an adjacent competitor in the loan-ecosystem intermediary space.
• Reassurez-moi: French insurance comparison site covering personal lines including loan insurance, similar in target customer and digital comparison workflow to Simulassur's partner-facing platform.
• Pretto: French digital mortgage broker that integrates loan insurance into its end-to-end borrower journey, competing for the same intermediary role in mortgage origination and adjacent insurance.

Broad incumbents

• Cofidis: Established French consumer credit player that itself distributes loan insurance tied to its lending products, representing a large incumbent that can bypass aggregators through direct distribution.
• Boursorama Banque: Large French online bank distributing loan insurance to its own borrower base, with a captive distribution channel that represents a structural disintermediation threat to independent aggregators.
• LesFurets: Major French insurance comparator with multi-product coverage that includes loan insurance, operating with a broader portfolio but overlapping aggregator functionality.
• LeLynx.fr: Long-standing French insurance comparator covering multiple personal lines including loan insurance, serving both consumers and brokers with a similar multi-insurer comparison mechanic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/SimulassurElois
• Facebookfacebook.com/SimulassurbyElois
• LinkedInlinkedin.com/company/elois

Revenue estimate

Valuation estimate

Number of profiles

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 ELOIS