Créfinance is a credit and insurance broker operating across Wallonia and Brussels, in Belgium. Since 2016, they’ve offered tailored insurance solutions, financial advice, and now, they’re helping clients plan for climate risks, too.

But unlike traditional brokers, Créfinance saw an opportunity to lead on a growing concern: the impact of climate change on homes and investments.

As floods, storms and heatwaves become more common in Belgium, the company recognised the need to support its clients with better information, not just better rates.

Challenge

With floods, heatwaves and extreme weather becoming more frequent in Belgium, homeowners and buyers face increasing exposure to physical climate risks, often without knowing it.

Créfinance wanted to:

• Help clients, especially first-time buyers, understand how climate risk could affect their future homes
• Move beyond standard financing to offer long-term, responsible advice
• Differentiate in a competitive market often focused on transactions over trust

But delivering science-based insights clearly, quickly, and at scale isn’t easy. They needed a way to translate climate data into something clients could easily understand and act on, without slowing down their process.

Rather than wait for regulation to catch up, Créfinance decided to act.

Solution

Créfinance now provides each new client with a complimentary climate risk report for their property, powered by Mitiga Solutions’ EarthScan platform.

Each report:

• Is tailored to the property and delivered in French
• Covers key hazards like flooding, wind, drought, wildfire, and heat stress
• Includes background on climate change and emissions scenarios
• Offers clear guidance on what the findings mean and how clients can respond

The reports use best-in-class climate models to project risks, giving clients a location-specific view of future hazards. They bring climate risk out of abstraction, offering a clear picture of how future hazards could affect a specific property.

By embedding EarthScan into their workflow, Créfinance is equipping clients with insights that go beyond compliance without adding cost or friction.

The goal? To raise awareness and support smarter, more resilient decision-making from day one.

Results

Since rolling out these reports, Créfinance has:

• Strengthened trust by proactively helping clients understand future risk
• Opened deeper client conversations about risk and resilience
• Positioned itself as a broker committed to long-term value and responsibility
• Established partnerships with local adaptation specialists to assist customers with practical actions

“EarthScan has been a game-changer for Créfinance. By using the tool to assess the risks of individual assets, we have been able to provide our clients with key insights into climate change and how it will directly impact them.”
— Ivan Marsily, Owner & Marketing Communication Manager, Créfinance

For clients, the impact is personal. The report is often the first time they’ve seen a scientific view of how climate change could affect their property.  

It helps them take practical steps, whether that’s reinforcing a home, reviewing insurance options, or simply making more informed decisions.

What’s next?

As climate risk becomes a more visible factor in property decisions, Créfinance is leading by example, offering tools that build trust and resilience in equal measure.

If you advise clients on property or long-term investments, understanding climate risk is no longer optional.  

Book a demo to see how EarthScan can support smarter property decisions from the start.

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