Prémavals

Prémavals is a French wholesale insurance broker founded in 2000 that designs and distributes high-end social protection products (health, provident, loan, retirement) exclusively through partner brokers and wealth management advisors serving self-employed professionals and SMEs.

Company typePrivate
Founded2000
HeadquartersNoisy-le-Grand, France
Headcount11–50
GTM typeB2B
OfferingServices

What Prémavals does

Prémavals is a French wholesale insurance broker (courtier grossiste) founded in April 2000 that designs and distributes high-end social protection solutions for self-employed professionals (TNS) and small and medium-sized enterprises (PME). The company's product portfolio covers four lines: health insurance (santé), provident/protection insurance (prévoyance), loan insurance (assurances de prêt, marketed under the EMPRUNVALS© sub-brand), and retirement (retraite). All Prémavals contracts are distributed exclusively through a network of partner insurance brokers and wealth management advisors; the company does not sell directly to end customers and operates a B2B2C model.

The firm is headquartered at 15 rue de l'Université, Noisy-le-Grand, with a secondary office in Montpellier serving communication and publication functions. It is organised as a SARL (Société à Responsabilité Limitée) with €51,000 of share capital, 16 employees, and no disclosed parent company, subsidiaries, external investors, or funding rounds. Revenue is generated through insurance intermediary commissions on policies placed with insurance providers, and pricing is quote-based and not publicly disclosed. Prémavals holds ORIAS registration number 07 003 129 and is supervised by the ACPR (Autorité de Contrôle Prudentiel et de Résolution). The technology stack is not disclosed; the firm provides partners with a restricted-access portal (courtage.premavals.com) and a separate partner-facing communication site (entrecourtiers.pro) offering Votrasso content, DDA training, careers information, and partner recruitment. No AI/ML capabilities, integrations, or mobile applications are mentioned in any source.

Prémavals firmographics

Firmographics

Name: Prémavals
Legal name: Prémavals SARL
Website: https://premavals.com
Company type: Private
Founded year: 2000
Operating status: Operating
Headcount range: 11–50 employees
Short description: Prémavals is a French wholesale insurance broker founded in 2000 that designs and distributes high-end social protection products (health, provident, loan, retirement) exclusively through partner brokers and wealth management advisors serving self-employed professionals and SMEs.
Ownership category
akta.pro rank

Where Prémavals is headquartered

Location

Headquarters

HQ city: Noisy-le-Grand
HQ country: France
HQ region: Europe

Offices2 records

Markets served

Prémavals business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

Insurance intermediary commissions: As a wholesale insurance broker, Prémavals earns commissions from insurance providers by designing and distributing insurance products (health, provident, loan insurance, retirement) exclusively through partner brokers. Revenue is generated through commissions on insurance policies placed with insurers.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Prémavals product offering

Product offering

Core offering

Prémavals is a wholesale insurance broker that designs and distributes high-end social protection products — health insurance (santé), provident insurance (prévoyance), loan insurance (assurances de prêt), and retirement planning (retraite) — for self-employed professionals (TNS) and small/medium enterprises (PME) and their employees. The company operates exclusively through partner insurance brokers and wealth management advisors, who recommend and commercialize Prémavals contracts to end customers.

Product overview

Prémavals is a wholesale insurance broker specializing in high-end social protection solutions for self-employed professionals (TNS), businesses, and their employees. The company offers a unified portfolio of health insurance, provident insurance, loan insurance, and retirement solutions, with its loan insurance product branded as EMPRUNVALS©. All contracts are exclusively distributed through partner insurance brokers and wealth management advisors.

Differentiator

Problem solved

Functional benefit

Products and services

Santé (Health Insurance) Health insurance (santé) contract designed as a high-end solution for self-employed professionals (TNS) and small/medium enterprises (PME) and their employees, distributed exclusively through partner brokers.
Prévoyance (Provident / Protection Insurance) Provident/protection insurance (prévoyance) contract for TNS and SMEs covering events such as death, disability, and incapacity, distributed exclusively through partner brokers.
EMPRUNVALS© (Loan Insurance) Loan insurance (assurances de prêt) product within Prémavals' social protection portfolio, with a dedicated interface hosted separately from the main Prémavals website. Designed for self-employed professionals and SME business financing.
Retraite (Retirement Planning) Retirement planning (retraite) solution targeting TNS and SME clients, designed as a high-end offering and distributed via partner brokers and wealth management advisors.

Companies that use Prémavals

Customer profile

Segments2 records

Ideal customer profiles2 records

Prémavals technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Prémavals partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

Partner Brokers (Courtiers Partenaires)coreChannel Partner/ Reseller/ DistributorPrémavals distributes exclusively through partner insurance brokers who are authorized to recommend and sell Prémavals insurance products. These brokers include insurance intermediaries and wealth management advisors who serve end customers in the TNS and SME segments.

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

Prémavals competitors and assessment

Company assessment

Direct peers

Henner: Henner is a French insurance broker group with health and prévoyance brokerage for individuals, TNS, and corporates, distributing through partner brokers and corporate channels. Overlapping product set and target segments to Prémavals.
Cegema: Cegema is a French wholesale insurance broker (courtier grossiste) specialized in social protection and health insurance for TNS (self-employed professionals) and SMEs. It is the closest direct competitor to Prémavals, with a near-identical B2B2C model distributing through partner brokers and wealth-management advisors.
Solly Azar: Solly Azar is a French insurance broker/wholesale broker offering health, prévoyance, and loan-insurance products to individuals, TNS, and SMEs through partner intermediaries. Same broker-distribution model and similar niche positioning to Prémavals.
SPVIE Assurances: SPVIE is a French wholesale insurance broker (courtier grossiste) distributing health, prévoyance, and loan-insurance products to TNS and small businesses via a partner-broker network. Same distribution model, similar target segments, and product overlap with Prémavals.
Alma (Alma Courtage / groupe Alma): Alma is a French insurance broker and software publisher serving brokers and CGPs with health, prévoyance, retirement, and loan-insurance products. Comparable wholesale/distribution model in the same French social-protection niche.

Broad incumbents

Verspieren: Verspieren is an established French insurance broker serving SMEs, mid-market, and large corporates across health, prévoyance, and P&C. It is a broader incumbent than Prémavals but operates in the same French social-protection brokerage space.
APRIL Group: APRIL is a major French-headquartered insurance broker and distributor (now operating as APRIL Santé and Protection) covering health, prévoyance, and loan insurance for individuals, TNS, and SMEs via partner brokers. A much larger incumbent with overlapping distribution channels and product lines to Prémavals.
Verlingue: Verlingue is a large French insurance broker (courtier) with a broad product portfolio across health, prévoyance, retirement, and P&C for SMEs and large corporates. Overlaps with Prémavals on SME social protection but at much larger scale and broader scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Customer concentration

Prémavals compliance and trust

Trust signal

Compliance2 records

Prémavals financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Prémavals leadership team

Management profile

Number of profiles

Profiles2 records

Prémavals funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Prémavals M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Prémavals

What does Prémavals do?

Is Prémavals a public or private company?

Prémavals is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Prémavals founded?

Prémavals was founded in 2000. It employs 11 to 50 people.

Where is Prémavals based?

Prémavals is headquartered in Noisy-le-Grand, France, in the Europe region.

How does Prémavals make money?

One revenue line is on record: insurance intermediary commissions.

Who are Prémavals's main competitors?

Direct peers on record are Henner, Cegema, Solly Azar, SPVIE Assurances and Alma (Alma Courtage / groupe Alma). Broad incumbents are Verspieren, APRIL Group and Verlingue.

Does Prémavals have an API?

No public API is recorded for Prémavals.