assurfin - ans

What assurfin - ans does

Assurfin-Ans (legal entity ASSURFIN-ANS S.P.R.L) is a Belgian private credit brokerage firm founded in 1999 and headquartered at Rue Cathédrale 54 in Liège. The company operates as an intermediary between individual consumers and a network of more than 13 banking and insurance partners, including BNP Paribas Fortis subsidiary Elantis, Bpost Banque/Krefima, Record Crédits, DEMETRIS, Crédit Foncier, CARDIF, and Generali. It is registered as both a mortgage and consumer credit intermediary under SPF Economie and FSMA supervision (VAT BE0478112901).

The product portfolio consists of six interconnected credit solutions: personal loans (€1,250–€100,000), auto/motorcycle loans, home improvement loans, debt consolidation (Regroupement de prêts), mortgage loans (fixed, variable, constant-payment, or bullet structures), and a specialized product for property owners in difficulty (targeting individuals listed in the National Bank of Belgium default registry). Distribution is direct-to-consumer, combining an online simulation/lead-capture website with callback from human advisors, phone support, video conferencing, in-office consultations at the Liège headquarters, and home visits (including evenings) anywhere in Belgium.

Revenue is earned exclusively via commissions from partner financial institutions on placed loans — no fees are charged to customers, and all file fees are included in the disclosed APR (TAEG). There is no proprietary technology platform or AI capability; loan matching is conducted manually by in-house advisors. The firm has operated continuously for 25 years without disclosed funding rounds, M&A, or headcount expansion, indicating a stable, privately-held, owner-operated small business.

Name

assurfin - ans

Legal name

ASSURFIN-ANS S.P.R.L

Website

https://assurfinans.be

Company type

Private

Founded year

1999

Operating status

Operating

Short description

Assurfin-Ans is a Belgian credit brokerage firm founded in 1999 and headquartered in Liège, acting as an intermediary between individual consumers and a network of 13+ banking and insurance partners for personal, mortgage, and debt consolidation loans.

Ownership category

akta.pro rank

Product category

Credit Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industries

Home Equity Loan & HELOC Intermediation (FSAEAEAD), Auto & Vehicle Loan Brokerage (FSAEAEAK)

Keywords

• Credit brokerage
• Mortgage loans
• Consumer credit
• Loan consolidation
• Debt advisory

Headquarters

HQ city

Liège

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Credit brokerage commissions: Assurfin-Ans acts as a mortgage and consumer credit broker, earning commissions from partner financial institutions (banks and insurance companies) for placing customer loan applications. No fees are charged to customers — 'Il n'y a aucun frais de dossier' (no file fees). The company is regulated under SPF Economie as a credit intermediary.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Assurfin-Ans operates as a credit brokerage intermediary (courtier en crédits hypothécaires et en crédit à la consommation) on the Belgian market, advising individual consumers and matching their loan applications with a network of partner banking and insurance institutions. The company offers personal loans, auto/moto loans, home improvement loans, debt consolidation, mortgage loans, and specialized loans for property owners in financial difficulty. It does not lend its own capital; revenue is generated through commissions paid by partner institutions when applications are placed.

Product overview

Assurfin-Ans is a credit brokerage firm operating as a mortgage and consumer credit intermediary. The company offers a portfolio of six interconnected loan products: personal loans (Prêt personnel) for general expenses up to €100,000, specialized auto/moto and home improvement loans, loan consolidation (Regroupement de prêts) to combine multiple debts into one manageable payment, mortgage loans (Prêt hypothécaire) for property transactions, and a specialized product for property owners listed in the National Bank registry. The company acts as an intermediary between clients and its network of banking partners, providing advice and loan management services.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt personnel (Personal Loan) Installment loan for personal expenses ranging from €1,250 to €100,000, with fixed monthly payments over a set duration. Belgian residents aged 18+ with regular income can borrow without justifying the use of funds and without needing to change banks; funds are deposited directly into the customer's account.
• Prêt auto/moto (Auto/Motorcycle Loan) Installment loan for purchasing vehicles less than 3 years old from a dealership. Representative example: €20,000 over 84 months at 2.85% APR (TAEG).
• Prêt travaux (Home Improvement Loan) Installment loan for renovation and home improvement projects. Representative example: €21,000 over 120 months at 2.95% APR (TAEG).
• Regroupement de prêts (Loan Consolidation) Debt consolidation service combining multiple personal and/or mortgage loans into a single monthly payment, potentially reducing combined monthly payments by up to 50% and lowering interest rates.
• Prêt hypothécaire (Mortgage Loan) Mortgage credit for real estate acquisition, construction, or renovation. Available with fixed or variable rates, constant monthly payments, or bullet repayment structures. Representative example: €140,000 over 240 months at 3.51% TAEG / 2.59% fixed debitory rate.
• Prêt pour propriétaire en difficulté (Loan for Property Owners in Difficulty) Specialized loan solution for individuals listed in the National Bank of Belgium's (BNB) payment incident registry or facing financial difficulties, leveraging real estate as collateral to provide credit access.

Quantifiable outcome

• Response to loan requests within 24 hours
• +3 more outcomes

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Credimo: Belgian online mortgage broker and credit intermediary operating across Belgium with a digital-first funnel. Directly comparable to Assurfin-Ans as a Belgian mortgage/credit broker intermediating between consumers and partner lenders, but competing on technology-led UX rather than high-touch advisory.
• HypoConnect: Belgian digital mortgage broker offering refinancing and new mortgage products via partner lenders. Direct comparable as both operate as Belgian credit intermediaries in the mortgage segment; HypoConnect is even named as an Assurfin-Ans distribution partner.
• TopCompare.be: Belgian price comparison and brokerage platform for credit, insurance, and banking products. Comparable to Assurfin-Ans as both help Belgian consumers select consumer credit and mortgage products across multiple providers, though TopCompare is a broader multi-product comparison destination.

Regional players

• Meilleurtaux: France's largest mortgage and consumer credit brokerage, intermediating between French borrowers and partner banks. Comparable as a relationship-led, advisor-driven credit broker model — the French analogue to Assurfin-Ans — though operating in France rather than Belgium.
• Vousfinancer: French mortgage and credit brokerage network with franchised advisors across France. Operates the same human-advisor intermediation model as Assurfin-Ans but in France and with a larger branch network.

Emerging players

• Pretto: French tech-enabled mortgage broker combining online tools with human advisors for French borrowers. Comparable business model to Assurfin-Ans (credit intermediation across multiple bank partners) but with a technology-led UX, illustrating the direction the Belgian broker market is moving toward.
• Younited Credit: Pan-European online consumer lending platform operating across France, Italy, Spain, Germany, and Belgium. Comparable in serving European consumer loan demand, but competing with Assurfin-Ans as a fully digital lender rather than a credit broker.

Broad incumbents

• Cofidis Belgium: Belgian consumer credit subsidiary of Crédit Mutuel offering personal loans, auto loans, and revolving credit directly to Belgian consumers. Comparable end market (Belgian consumer credit) but operates as a direct lender rather than as a credit broker.
• BNP Paribas Fortis (Elantis): Belgium's largest bank, whose subsidiary Elantis provides consumer credit distributed through Assurfin-Ans. Comparable end market across consumer and mortgage credit in Belgium, but operates as a bank-and-direct-lender incumbent rather than as a credit intermediary.
• KBC Bank Belgium: Major Belgian retail bank offering mortgages, consumer credit, and insurance directly. Comparable in serving the Belgian credit market end-customer, but as a vertically integrated lender with direct distribution rather than via a broker intermediary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/assurfin---ans

Compliance3 records

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 assurfin - ans