Our members

Cetelem (BNP Paribas Personal Finance Spain) is the commercial brand of the BNP Paribas Group specialized in consumer finance in Spain, where it has been operating since 1988. It is positioned as a key player in the financial sector, offering a wide range of solutions for individuals and businesses: personal loans, consumer credit, point-of-sale financing, digital services, insurance, and banking products.
Throughout its trajectory, Cetelem has achieved sustained growth and a strong market position, becoming a strategic partner for major retail brands, the automotive sector, and e-commerce.
The company stands out for its focus on flexibility, customer experience, and innovation, driving digital models and solutions tailored to current needs. In addition, it combines its financial expertise with a responsible and sustainable vision, supporting customers and partners in carrying out their projects and managing their day-to-day finances.

Baulders is an innovative SaaS platform that combines artificial intelligence with human expertise to enhance project management. Acting as a strategic compass, it supports organizations in identifying hidden risks, simplifying complexity, and strengthening team collaboration. With its proprietary algorithm, Baulders prioritizes key insights and highlights what truly matters for project success.

Beyond traditional management tools, Baulders promotes a “Best for Project” approach by blending predictive analysis, collaborative evaluation, and clear reporting. It is designed for operational leaders, project managers, compliance experts, and auditors, helping them make better-informed decisions, faster, and reduce the likelihood of costly failures.

With Baulders, projects benefit from greater transparency, improved performance, and stronger resilience — enabling organizations to increase their chances of meeting objectives in quality, cost, and timelines.

BDL est un cabinet proposant divers accompagnements aux entreprises clientes : expertise comptable, audit, gestion de patrimoine, paie, juridique, Data…
Cabinet également très impliqué dans la région Hauts-de-France et dans de nombreux réseaux (réseau entreprendre, BNI, BGE, clubs sportifs…).
BDL est membre du groupement national de cabinets indépendants DIFFERENCE, qui rassemble en France 10 cabinets répartis sur 77 bureaux.