Key insights

• 100% of new clients receive a tailored climate risk report for their property ‍
• 6 key hazards (flood, drought, wind, wildfire, precipitation, heat stress) assessed for each asset ‍
• Stronger client trust and differentiation in a competitive brokerage market

“EarthScan has been a game-changer for Créfinance. It’s allowed us to show clients exactly how climate change could affect their homes and empower them to act.”
— Ivan Marsily, Owner & Marketing Communication Manager, Créfinance

Company snapshot

• Industry: Financial Services (Credit & Insurance Brokerage) ‍
• Headquarters: Namur, Belgium ‍
• Portfolio: 10 representatives, offices in 6 major cities (Namur, Charleroi, Mons, Waterloo, Liège, Brussels), serving individuals and businesses with tailored financing and insurance solutions.

Créfinance is a leading credit and insurance broker operating across Wallonia and Brussels, Belgium. Founded in 2016, the firm has quickly earned a reputation for professionalism, expertise, and client commitment.

Unlike traditional brokers, Créfinance’s mission goes beyond transactions: they aim to deliver responsible, long-term advice that supports their clients’ financial stability and resilience in a changing world.

“We’re not just here to arrange financing. We want to help clients make smarter, safer investments, and that means factoring in climate risk.”
– Ivan Marsily, Owner & Marketing Communication Manager, Créfinance

The challenge

In Belgium, climate change is no longer a distant concern, it’s a daily reality. Floods, heatwaves, and severe storms have become more frequent, causing damage to homes and raising the stakes for anyone making long-term financial commitments.

For homebuyers, particularly first-time buyers, these risks are often invisible. Property decisions are typically made with little to no information about how climate hazards could affect a home over time, leaving buyers exposed to potential losses and unexpected costs.

For Créfinance, this presented both a challenge and an opportunity:

• Empower clients with transparency: Help customers understand the real risks tied to one of their biggest investments: their home. ‍
• Elevate beyond traditional brokerage: Move from a purely transactional role to a trusted advisor offering long-term, responsible guidance. ‍
• Stand out in a competitive market: Differentiate in a sector often focused on securing deals rather than building trust and resilience.

However, providing science-based, property-specific climate insights in a clear, quick, and actionable format was no small task. The data existed, but making it accessible to clients in a way that informed, not overwhelmed, them required a new approach.

“Our clients trust us to guide them through a life-changing decision. We wanted to give them more than financing. We wanted to give them peace of mind about the future.”
– Ivan Marsily, Owner & Marketing Communication Manager, Créfinance

What Créfinance did with Mitiga Solutions

To meet the challenge of making climate risk visible and actionable for their clients, Créfinance partnered with Mitiga Solutions to deliver customised single-asset climate risk reports, transforming how they support homeowners and buyers.

Use case 1: Providing tailored climate risk reports for every client

Créfinance now delivers a complimentary, property-specific climate risk report to every new client.

• Each report is customised in French for the property in question.
• It covers six major hazards, flooding, drought, wind, wildfire, precipitation, and heat stress, providing a forward-looking view of how these risks could evolve over time.
• The report also includes contextual information on climate change and emissions scenarios, helping clients understand the science behind the findings.

“The reports make climate risk real for our clients. They can see exactly what’s at stake for their property.”
– Ivan Marsily

Use case 2: Empowering clients to take action

Beyond raising awareness, Créfinance uses Mitiga’s single-asset climate risk reports to help homeowners better understand their exposure and consider practical next steps:

• The reports offer clear guidance on interpreting results, encouraging homeowners to reflect on potential adaptation measures. ‍
• Clients can use the insights to reinforce their properties, review insurance coverage, or begin building a case for more favourable financing terms. While not yet standard practice, Créfinance’s leadership is advocating for banks to recognise climate risk assessments as a basis for improved mortgage rates.
• This proactive approach transforms climate risk from an abstract concept into actionable advice, strengthening trust and client relationships.

“We’re giving clients knowledge they can use, whether that means protecting their home now or making smarter choices for the future.”

Use case 3: Differentiating as a responsible market leader

By embedding EarthScan into its core offering, Créfinance has repositioned itself as more than a broker:

• They stand out in a competitive market by offering added value that goes beyond rates and products.
• The initiative has sparked new conversations with clients about long-term resilience and responsibility.
• Créfinance has even begun building partnerships with local adaptation specialists, enabling them to connect clients to practical solutions.

“This isn’t just about doing business differently, it’s about doing the right thing for our clients and communities.”
– Ivan Marsily

Mitiga Solutions’ impact on Créfinance

EarthScan has transformed Créfinance’s ability to serve its clients, turning climate risk awareness into a key differentiator and a source of long-term value.

By embedding property-specific climate risk reports into every client interaction, Créfinance has elevated its role from broker to trusted advisor. Clients now receive clear, actionable insights about how climate hazards, from floods to heatwaves, could affect their homes. For many, it’s the first time they’ve seen a scientific, forward-looking assessment of their property’s resilience.

This approach has deepened client relationships and set Créfinance apart in a competitive market focused largely on transactions. It has also opened new opportunities: partnerships with local adaptation experts, enhanced reputation as a responsible broker, and the potential for clients to secure better financing and insurance terms thanks to proactive risk management.

“EarthScan has strengthened our commitment to informing and empowering clients to make decisions that protect their homes. It’s added real value to what we do.”
— Ivan Marsily, Owner & Marketing Communication Manager, Créfinance

With EarthScan, Créfinance has moved beyond traditional brokerage to become a partner in climate resilience, delivering smarter decisions, stronger client relationships, and long-term differentiation.

Want to offer your clients the confidence that comes with climate-ready decisions?

With EarthScan, you can integrate location-specific climate risk insights directly into your services empowering customers, strengthening trust, and differentiating your business. ‍

Book your demo today.