credistor

Name

credistor

Legal name

SAS CRÉDISTOR

Website

https://credit-stor.com

Company type

Private

Founded year

2010

Operating status

Operating

Ownership category

akta.pro rank

Product category

Consumer Credit Consolidation Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Other Activities Related to Credit Intermediation (52239)

SIC

Loan Brokers (6163)

akta.pro primary industry

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

akta.pro secondary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

Keywords

• Credit consolidation services
• Debt restructuring brokerage
• Consumer credit brokering
• Mortgage consolidation solutions
• Borrower insurance brokerage

Headquarters

HQ city

Nancy

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker commission on credit consolidation: As a non-exclusive banking intermediary (Mandataire non exclusif en opérations de banque et services de paiement), Crédistor earns commissions from banking partners when a loan consolidation is successfully funded. No fees are charged to the client before funds are disbursed. The company is registered as COBSP (Courtier en Opérations de Banque et Services de Paiement) and COA/MIA with ORIAS.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Crédistor brokers credit consolidation (rachat de crédits) and credit restructuring services for French individuals, consolidating multiple existing loans (mortgage, consumer credit, revolving credit, other debts) into a single new loan with reduced monthly payments of up to 60%. As a non-exclusive banking and insurance intermediary registered with ORIAS, the company connects French tenants and homeowners with a network of over 10 banking partners to deliver comparative consolidation solutions, supported by online simulation tools, dedicated analyst advisory, and a real-time client portal.

Product overview

Crédistor operates as a single unified platform for credit consolidation services, consisting of its core Rachat de crédits (credit consolidation) product supplemented by online simulation tools and a client portal. The primary offering consolidates multiple existing loans into one new loan with reduced monthly payments. The platform tailors solutions to two main customer segments: tenants and property owners. Additional services include integrated project financing (auto, home improvements, kitchen, pool, veranda) and credit rearrangement. The online simulator and client portal serve as complementary digital tools that support the core consolidation service.

Differentiator

Problem solved

Functional benefit

Products and services

• Rachat de crédits (Credit Consolidation) The primary service that consolidates multiple existing loans (mortgage, consumer credit, revolving credit, other debts) into a single new loan with reduced monthly payments (up to -60%) and extended repayment duration, for French individuals seeking debt simplification and budget relief.
• Rachat de crédits - Locataires (Credit Consolidation for Tenants) Credit consolidation solution specifically designed for French tenants (non-property owners) to reduce monthly payments and manage their budget more effectively by consolidating consumer loans, auto loans, and revolving credit into a single payment without requiring property collateral.
• Rachat de crédits - Propriétaires (Credit Consolidation for Property Owners) Credit consolidation solution for French property owners who have multiple ongoing credits, offering up to -60% reduction in monthly payments by leveraging property equity and consolidating mortgage and consumer loans into a single payment.
• Financement de projets intégrés (Integrated Project Financing) New project financing (auto, renovations, verandas, pools, kitchens) that can be integrated into the consolidated monthly payment, allowing clients to pursue projects without compromising their quality of life while consolidating existing debts.
• Réaménagement de crédits (Credit Rearrangement) A financial solution that renegotiates existing loan terms with credit institutions to provide borrowers with renewed financial serenity and improved budget management.

Quantifiable outcome

• Monthly payment reduction of up to 60% through credit consolidation
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

19 partnerships are on record, tiered core and minor.

• My Money BankcoreChannel Partner/ Reseller/ DistributorMy Money Bank (Tour Europlaza, 92063 Paris La Défense) is one of Crédistor's key banking partners in credit consolidation. Crédistor acts as a non-exclusive intermediary presenting My Money Bank's loan products to prospective clients seeking credit consolidation solutions.
• BNP Paribas Personal Finance (Sygma)coreChannel Partner/ Reseller/ DistributorBNP Paribas Personal Finance, operating under the Sygma brand, is a major banking partner referenced as a key lending partner in Crédistor's non-exclusive mandate network.
• CGI (CGL, Compagnie Générale de Location d'Équipements)coreChannel Partner/ Reseller/ DistributorCGI Finance is a subsidiary of Société Générale and provides credit consolidation solutions through Crédistor's intermediary network. CGI operates as a lending partner for loan consolidation products.
• CréatiscoreChannel Partner/ Reseller/ DistributorCréatis (61 avenue Halley, Villeneuve d'Ascq) is a banking partner offering credit consolidation solutions through Crédistor's non-exclusive mandate network.
• CFCAL (Crédit Foncier et Communal d'Alsace et de Lorraine)coreChannel Partner/ Reseller/ DistributorCFCAL (1 rue du Dôme, Strasbourg) is a regional banking partner referenced as a lending partner for credit consolidation offered through Crédistor.
• SOFIAP (Société Financière pour l'Accession à la Propriété)coreChannel Partner/ Reseller/ DistributorSOFIAP (75 rue de la Pierre Levée, Paris) is a banking partner specialized in property accession financing and credit consolidation.
• SOFINCO (Sofinco Crédit Agricole Consumer Finances)coreChannel Partner/ Reseller/ DistributorSofinco (Crédit Agricole Consumer Finances, Massy) is a major consumer finance brand operating as a banking partner within Crédistor's lending partner network.
• YounitedcoreChannel Partner/ Reseller/ DistributorYounited (21 rue de Châteaudun, Paris) is an online lending partner offering consumer credit and consolidation solutions through Crédistor's intermediary network.
• ONEY BankcoreChannel Partner/ Reseller/ DistributorOney Bank (34 avenue de Flandres, Croix) is a banking partner providing credit and insurance solutions integrated into Crédistor's consolidation offerings.
• La Banque Postale Consumer FinancecoreChannel Partner/ Reseller/ DistributorLa Banque Postale Consumer Finance (1 avenue François Mitterrand, Saint-Denis) is a banking partner offering credit consolidation products through Crédistor's non-exclusive mandate.
• Crédit Agricole Consumer FinancecoreChannel Partner/ Reseller/ DistributorCrédit Agricole Consumer Finance (1 rue Victor Basch, Massy) provides consumer credit products as a lending partner within Crédistor's network.
• Kereis SolutionscoreChannel Partner/ Reseller/ DistributorKereis Solutions (112 avenue Kléber, Paris) is an insurance broker registered with ORIAS, providing borrower insurance (death/disability) and related coverage integrated into Crédistor's credit consolidation solutions.
• Neoliane SantécoreChannel Partner/ Reseller/ DistributorNeoliane Santé (143 boulevard René Cassin, Nice) is an insurance broker providing health and welfare insurance products as part of Crédistor's partner ecosystem for credit consolidation insurance.
• SEP Stratégie Euro PrestigeminorChannel Partner/ Reseller/ DistributorSEP Stratégie Euro Prestige (8 Cité Martignac, Paris) is an insurance broker registered with ORIAS providing insurance products within Crédistor's partner network.
• Simulassur / EloisminorChannel Partner/ Reseller/ DistributorSimulassur (operating under the Elois brand, 23 rue du Départ, Paris) is an ORIAS-registered insurance broker providing comparison and brokerage services for borrower insurance within Crédistor's ecosystem.
• Assurea DistributionminorChannel Partner/ Reseller/ DistributorAssurea Distribution (CS 10019, Meyreuil) is an insurance broker providing coverage integrated into Crédistor's consolidation solutions.
• Groupe EmpruntiscoreStrategic or Co-development PartnerCrédistor is a subsidiary of Groupe Empruntis (group of companies active in insurance, real estate, and finance). Groupe Empruntis provides shared infrastructure, IT systems, DPO services, and cross-company data processing capabilities to Crédistor. The group relationship supports complaint handling, GDPR rights management, and IT tool development.
• CalicarminorOthersCalicar (85 Route d'Auxerre, Saint-André-les-Vergers) is listed as an 'other partner' in Crédistor's partner ecosystem.
• HellowattminorOthersHellowatt (10 Rue de Penthièvre, Paris) is listed as an 'other partner,' potentially related to household expense management (energy costs) for clients undergoing credit consolidation.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Meilleurtaux: Meilleurtaux is a leading French online broker for mortgage, credit consolidation, and insurance products, operating a multi-partner comparison model. Highly comparable to Crédistor as both serve French consumers seeking credit consolidation and rely on a panel of banking partners plus digital acquisition.
• Pretto: Pretto is a French online mortgage and credit broker combining digital simulation with human advisor support. It directly competes with Crédistor's hybrid online-plus-analyst model and targets the same French consumer refinancing / consolidation use cases.
• Younited Credit: Younited is a French-founded online consumer credit platform that both lends directly and operates as a credit partner inside brokers' panels (including Crédistor's). It is a direct peer in consumer credit consolidation and an adjacent competitor for the end consumer relationship.
• Cyberprêt: Cyberprêt is a French online mortgage and credit consolidation broker using a digital simulation-plus-advisor model very similar to Crédistor's. Directly comparable on product, customer (French households), and GTM motion.
• Magnolia.fr: Magnolia is a French specialist in credit consolidation (rachat de crédits) for both tenants and homeowners. It is a direct specialist competitor to Crédistor, focused on the same niche with a comparable broker-to-banks model.
• Empruntis: Empruntis is a French mortgage and credit broker and the lead brand of Crédistor's parent group, Groupe Empruntis. It is a direct peer operating an essentially identical multi-partner brokerage model, making it the closest internal comparable.

Broad incumbents

• Cofidis: Cofidis is a major French consumer credit lender (subsidiary of Crédit Mutuel) offering credit consolidation, personal loans, and revolving credit. It is both a potential lending partner and a broad incumbent competing for the same end consumer through direct-to-consumer channels.
• BNP Paribas Personal Finance (Sygma): BNP Paribas Personal Finance is one of the largest consumer credit providers in France and a listed core banking partner of Crédistor. As a broad incumbent, it competes for consolidation dossiers through its own direct channels while also feeding Crédistor's broker funnel.
• Crédit Agricole Consumer Finance (Sofinco): Crédit Agricole Consumer Finance, operating the Sofinco brand, is a leading French consumer finance provider and a key banking partner of Crédistor. It is a broad incumbent offering consolidation, personal loans, and auto credit through its own direct distribution.
• La Banque Postale Consumer Finance: La Banque Postale Consumer Finance is a major French consumer credit provider and a core banking partner of Crédistor. As a broad incumbent, it underwrites consolidation loans that flow through Crédistor's intermediary funnel and competes for the same clients via its parent post office network.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/credistor

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 credistor