credit house broker kredytowy sp. z o.o.

What credit house broker kredytowy sp. z o.o. does

Credit House Broker Kredytowy Bis Sp. z o.o. is a Polish credit brokerage firm that has operated in the Polish market since 2005, intermediating between retail and small-business clients and multiple banks. The company's core offering consists of mortgage loan brokerage (Kredyty Hipoteczne) — covering purchase financing, refinancing, and debt consolidation — and business loan brokerage (Kredyty dla Firm) for SMEs and entrepreneurs. Its primary customer segments are individual consumers seeking mortgage credit and small/medium enterprises seeking business financing, with a horizontal segmentation approach across both use cases.

The company distributes its services through a dual-channel model: (1) company-owned branch offices (placówki) in nine Polish cities — Poznań (HQ), Warszawa, Kraków, Wrocław, Śrem, Ostrów Wlkp., Międzychód, Głogów, and Brodnica — staffed by credit experts (Ekspert Kredytowy) and client managers (Opiekun Klienta), and (2) a network of authorized partner outlets (Autoryzowana Placówka Partnerska) that operate under the Credit House brand and receive sales, marketing, IT, and analytical support. Internal credit comparators and calculators are used by advisors to evaluate client creditworthiness and compare offers across lenders, but no proprietary technology platform is disclosed.

Credit House is a licensed credit intermediary (pośrednik kredytowy) registered with the Polish Financial Supervision Authority (KNF) since 2018. The company operates on a commission-based revenue model, earning transaction fees from banks and lenders for credit products placed with clients; services are provided free of charge to end customers. Marketing relies on website-based content (Przewodnik kredytowy, Analizy i komentarze), organic SEO, and direct phone/email contact. Ownership is private and not publicly disclosed, and no funding rounds, acquisitions, or external investors are indicated in the available material.

Name

credit house broker kredytowy sp. z o.o.

Legal name

Credit House Broker Kredytowy Bis Sp. z o.o.

Website

https://credithouse.pl

Company type

Private

Founded year

2005

Operating status

Operating

Short description

Credit House Broker Kredytowy is a Polish credit brokerage firm, operating since 2005 and KNF-licensed since 2018, that intermediates mortgage and business loans between retail/SME clients and multiple banks via 9 branches and an authorized partner outlet network.

Ownership category

akta.pro rank

Product category

Mortgage and Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Mortgage brokerage
• Credit intermediation
• Business loan brokerage
• Consumer lending advisory
• Loan comparison services

Headquarters

HQ city

Poznań

HQ country

Poland

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Credit brokerage commissions: Credit House acts as a credit intermediary (pośrednik kredytowy), earning commissions from banks and financial institutions for placing mortgage and business credit products with clients. As a licensed credit intermediary registered with the Polish Financial Supervision Authority (KNF), the company facilitates loan transactions between clients and lenders.

Go-to-market motion3 records

Distribution channels2 records

Marketing channels3 records

Core offering

Credit House Broker Kredytowy is a Polish credit brokerage firm that intermediates mortgage loans and business loans between clients and banks. The company acts as a licensed credit intermediary, advising individual consumers on mortgage products (purchase, refinancing, consolidation) and small/medium enterprises on business financing, with services provided free of charge to clients and compensated via bank commissions.

Product overview

Credit House Broker Kredytowy is a nationwide mortgage and business loan brokerage operating since 2005. The company offers a portfolio of loan products centered around mortgage financing (Kredyty Hipoteczne) and business loans (Kredyty dla Firm), supported by proprietary credit comparison tools and calculators. The company operates through an authorized partner network model, with branches across multiple Polish cities. Since 2018, the company has been registered with the Polish Financial Supervision Authority (KNF) as a licensed credit intermediary.

Differentiator

Problem solved

Functional benefit

Products and services

• Kredyty Hipoteczne (Mortgage Loans) Mortgage loan brokerage for individuals seeking to purchase real estate, refinance existing mortgages, or consolidate multiple obligations into a single lower-rate loan. Credit House compares offers from multiple banks and guides the client through application and documentation.
• Kredyty dla Firm (Business Loans) Business financing brokerage for small and medium enterprises and entrepreneurs, covering working capital, investment financing, and other corporate credit needs. Credit House assists in evaluating credit options and matching companies with appropriate lender products.

Quantifiable outcome

• Professional assistance in selecting the best credit offer from the market
• +1 more outcomes

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

One partnership is on record.

• Credit House authorized partners (Autoryzowani Partnerzy Sprzedaży)coreChannel Partner/ Reseller/ DistributorCredit House operates a network of authorized partner sales outlets (autoryzowane placówki partnerskie) under its recognized brand. Partners receive sales support, marketing and PR assistance, IT systems and credit calculators, an attractive compensation scheme, and access to industry analyses and reports prepared by Credit House. The partner model is designed to allow independent operators to leverage Credit House's brand, expertise, and proven business model in credit brokerage.

Scale indicators3 records

Broad incumbents

• PKO Bank Polski:
• ING Bank Śląski: Major Polish retail and mortgage bank and a frequent upstream partner of mortgage brokers. Comparable as a large-scale lender whose direct-to-consumer mortgage offering competes with — and pays commissions to — brokers like Credit House.
• mBank: One of the largest Polish universal banks with a strong digital mortgage offering. Comparable as a lender whose direct digital channel represents competitive pressure on broker-mediated mortgage origination.

Direct peers

• MIC Finanse: Polish credit brokerage firm offering mortgage and consumer loan intermediation across multiple branches. Comparable on intermediating bank loan products and operating a multi-city branch network.
• Notus Finanse: Polish credit and mortgage broker operating a multi-branch network similar to Credit House, intermediating mortgage and consumer loan products from multiple banks. Directly comparable on product mix, commission-based revenue, and physical distribution model.
• Aspiro: Polish mortgage and credit broker with multi-city presence and a partner/franchise-style network, intermediating bank loan products to consumers. Comparable branch-and-partner model and same commission-based economics.
• Expander Advisors: Polish financial intermediary focused on mortgage and investment product brokerage. Comparable on intermediating bank credit products to individual consumers and operating across multiple Polish cities.
• Open Finance: Historically one of the largest Polish financial advisors and credit intermediaries, distributing mortgages and other bank products through a multi-branch network. Directly comparable on product category and distribution approach.

Emerging players

• Comperia.pl: Online financial product comparison platform in Poland enabling consumers to compare mortgage and loan offers from multiple lenders. Comparable on the credit-intermediation value chain, but delivers it via a digital/digital-first model rather than a branch network.
• Rankomat.pl: Polish online loan and insurance comparison marketplace where consumers compare mortgage, personal loan, and insurance offers. Competes with Credit House for mortgage customer acquisition but through a fully digital channel.

Market position

Strengths4 records

Weaknesses5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/credit-house-polska-doradcy-kredytowi

Compliance2 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 credit house broker kredytowy sp. z o.o.