Fight against bad debt. Promote economic inclusion.
Responsible, transparent and ethical technology at the service of fair decisions.
Our mission: beyond fraud detection
Fairer financing, against over-indebtedness.
Responsible, transparent and ethical technology at the service of fair decisions.
Meelo fights bad debt by helping businesses make responsible decisions.
The result?
More people are accessing finance. In complete safety. Without the risk of over-indebtedness.
Fighting against over-indebtedness
Not giving credit that a customer cannot repay means protecting them. Our algorithms detect fragile profiles before credit is granted.
Fostering economic inclusion
Accept atypical but solvent profiles: fixed-term contracts, auto-entrepreneurs, young companies.
No longer refuse out of excess caution.
Ethical and transparent AI
Our algorithms are audited according to the international standard IEEE (Institute of Electrical and Electronics Engineers) to ensure fair, transparent and explainable AI.
No black box. Each score is explainable and justified.
Protected data
Native RGPD, secure hosting in France. You are in control of your data.
The team: 40 experts,
A state of mind
Born in Lille, deployed in Europe. 40 people. A close-knit team.
Led by two founders from the world of banking and credit, our team has an average of 20 years of experience in risk management.
Our expertise:
Credit risk management
Ex-operational banks, car captives, credit organizations
Data science & proprietary AI
Researchers, ML engineers, including an IEEE certified AI doctor (international certification guaranteeing ethical and explainable algorithms)
Regulatory compliance
RGPD, PSD2 & banking regulations experts
Open Banking & Open Finance
Pioneers of banking aggregation in Europe
An international presence, in expansion.
france
spain
belgium
italy
uk
luxemburg
germany
netherlands
Our culture: demanding, ambitious, collective
Excellence as a compass. The collective as a driver.
At Meelo, the search for excellence guides each of our actions. Not very nearly so. No compromise on quality. We aim high, together.
Responsibility assumed
Commitments maintained to our customers, our employees, our ecosystem.
Simplicity and agility
No cumbersome, no unnecessary processes. We focus on simplicity and efficiency
Curiosity and openness
The market is changing, fraud is getting more sophisticated, and we are always learning.
Anchored in Lille, focused on Europe. We promote the collective to achieve our goals. Because we go further together.
BCorp Certified Company & Mission Company
Not greenwashing. A rigorous external audit (BCorp).
A reason for being enshrined in our statutes (Company with a Mission).
A public score. An audit every 3 years.
Responsible governance
Transparency and ethics in all our decisions. No compromises.
Impact on employees
Well-being at work, diversity, continuing education. We invest in our teams.
Environmental impact
Reducing our carbon footprint. Responsible choices (accommodation, travel, suppliers...).
Societal impact
Financial inclusion. Access to credit for everyone, even atypical profiles. That is our mission.
IEEE certified ethical AI
Our algorithms are audited according to the international IEEE standard to ensure fair, transparent and explainable AI.
Meelo is committed to...
design, develop, and process artificial intelligence data and systems in a fair, transparent, and ethical manner.
measure its performance not only in financial terms, but also in terms of its social, societal and environmental impact.
develop responsible solutions for its customers, and thus make their offer accessible to new beneficiaries through economic inclusion without risking over-indebtedness.
Do you know Office of the Heart?
It is an association that does something simple and powerful: it connects businesses with people in precarious situations to offer them a roof over at night and on weekends.
The principle?
Offices are empty 70% of the time. At night, on weekends, they are heated, equipped, secure... and unoccupied.
Meanwhile, thousands of people are sleeping outside.
Bureaux du Coeur makes the connection. Businesses are opening their premises. People find a stable, secure, intimate environment. A springboard to reintegration.
170+
undertakings
Committed
360
persons
welcomed
28
cities in France
and in Europe
+40,000
Overnight stays
Offered
Meelo is part of this adventure.
Since 2025, our offices in Lille have welcomed one person every evening. Not to make it our commercial. Just because it was consistent with what we stand for: fairer financing, a more united society.
It's simple
It's concrete
It changes lives.
Join us: want to participate in the adventure?
We recruit talent who are passionate about tech, risk and innovation.
Real impact
Your projects have meaning.
You are building financing
fairer.
Dynamic team and
benevolent
45 people, startup atmosphere,
scale-up requirement.
Challenging projects
AI, Machine Learning, NLP, Open
Banking... State-of-the-art technology
with real business use cases.
Modern tech stack
AI, Machine Learning, Azure Cloud.
Flexibility: remote work
With face-to-face time for the
collective.
Company with a mission &
BCorp
You join a company that takes
responsibility
its values.
Solidarity commitment
Meelo participates in Bureaus du Coeur.
Our premises welcome one person
every night.
International expansion
You participate in growth by
Europe. Multi-country projects, teams
internationals.
Real impact
Your projects have meaning.
You are building financing
fairer.
Dynamic team and
benevolent
45 people, startup atmosphere,
scale-up requirement.
Challenging projects
AI, Machine Learning, NLP, Open
Banking... State-of-the-art technology
with real business use cases.
Modern tech stack
AI, Machine Learning, Azure Cloud.
Flexibility: remote work
With face-to-face time for the
collective.
Company with a mission &
BCorp
You join a company that takes
responsibility
its values.
Solidarity commitment
Meelo participates in Bureaus du Coeur.
Our premises welcome one person
every night.
International expansion
You participate in growth by
Europe. Multi-country projects, teams
internationals.
Want to know more about Meelo?
Without commitment
Fast results