DS Crédito e DS Seguros

DS Credit Intermediaries and DS Insurance operate under the company A Decisão Ordenada, LDA., a tied credit intermediary authorized and regulated by the Bank of Portugal and registered with ASF as an insurance agent. With more than 18 years of experience in credit, insurance, and personal finance, the organization focuses on delivering personalized, transparent, and cost-free advisory services to individuals and companies.

The company operates through two main brands:

DS Credit Intermediaries – Specializing in credit solutions such as mortgage loans, personal loans, consolidated credit, auto loans, corporate financing, leasing, consultancy, and credit cards. Their mission is to negotiate the best conditions, spreads, and terms available in the market, saving clients time and money.

DS Insurance – Providing independent advisory services across life and non-life insurance sectors, including life insurance, health insurance, multi-risk home insurance, car insurance, personal accident insurance, capitalization and PPR insurance, workmen’s compensation, commercial multi-risk insurance, and legal protection insurance.

Mission and Values

The company’s mission is to help individuals and families make intelligent financial decisions while promoting financial literacy, quality of life, and a positive social impact. Their approach emphasizes personalized support, whether in-store, by phone, or via email.

Core values include:

• Honesty

• Integrity

• Respect

• Solidarity

• Excellence

• Ethics

• Commitment to the customer

• Team spirit

• Innovation

• Ambition and social responsibility

These principles form the foundation of their client relationships and long-term partnerships with financial institutions.

Services and Competitive Advantages

One of the organization’s main strengths is its ability to compare multiple market offers through simulators and comparators, allowing clients to evaluate credit, insurance, taxes, and effort rates quickly. Their process typically follows four steps:

1. Simulation and request submission

2. Immediate preliminary response

3. Detailed analysis and monitoring by the team

4. Presentation of results with the best available conditions

The company highlights several competitive advantages:

• Free personalized support

• Comprehensive solutions for individuals and businesses

• Time-saving negotiation processes

• Qualified professionals with extensive market knowledge

• Strong reputation and partnerships with leading financial institutions

Growth and Milestones

Founded on the shared vision of two friends who believed in providing genuine and impartial financial support, the company has grown steadily since 2020. Key milestones include:

• Launch of DS Credit Intermediaries and DS Insurance brands

• Opening stores in Faro, Albufeira, and Quarteira

• Expansion of the team by 20 specialists during a challenging global period

• Launch of multiple websites and integrated digital tools

• Recognition as an SME of Excellence

• Reaching and supporting over 4,000 families, generating more than 100 million euros in total savings

Customer Trust and Reputation

Customer testimonials emphasize professionalism, efficiency, dedication, and measurable savings — including significant reductions in monthly insurance costs. The company positions trust and transparency as central pillars of its service model.

With physical offices across several Portuguese cities and remote service options, DS Credit Intermediaries and DS Insurance combine personalized local presence with professional financial expertise, reinforcing their commitment to helping clients achieve financial stability and long-term success.