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You are...
Association | Foundation
Our services for associations and foundations
Company creator
Discover our low-cost pro account + capital deposit package to help you get started.
Micro-entrepreneur
Our offer for micro-entrepreneurs or those without a SIRET number
Self-employed | Small business
Our offer for small businesses, freelancers, artisans and professionals
Company | Startup
Our offer for ambitious companies, SMEs, ETIs and startups
ESC
Our offer for managing operating and social works budgets via a single interface, at controlled cost under control
Syndics
Our offer dedicated to the management of very specific costs incurred by trustees.
Products
Business account
A professional account with far more comprehensive services than a traditional bank
Collection
Cash your customers quickly and easily
Accounting
Anytime provides invoicing software, facilitates your accounting and helps you with administrative formalities.
Financing
Discover a wide range of services to support your growth. Whether you're self-employed or a large company, our solutions are tailored to your needs.
Cash Management
View the banking position of all your activities in real time. Put in place an analytical vision of your flows and give meaning back to your banking operations.
Mastercard business cards
Discover the services and Mastercard cards available to you.
Corporate expense management
Capped Mastercard cards with employee rights management.
Managing association expenses
The dedicated solution for associations to manage their business expenses.
Insurance and legal protection
Insurance is included in cards or packages, and meets the needs of both the self-employed and large companies.
Chartered Accountants
To make your life easier and avoid errors in your declarations, entrust your accounting to chartered accountants.
Expense management
Corporate expense management
Capped Mastercard cards with employee rights management.
Managing association expenses
The dedicated solution for associations to manage their business expenses.
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Everyday pro account
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2020 Archives
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Professionals
14 fact sheets dispel misconceptions about electronic invoicing
The DGFIP has recently published a series of fact sheets designed to dispel misconceptions about electronic invoicing.
Professionals
EURL can opt for corporate income tax in its articles of association
In a ruling handed down on February 5, the French Conseil d'Etat has reiterated the conditions under which EURLs may opt to pay corporate income tax rather than income tax....
Professionals
Electronic invoicing: what changes can you expect in terms of payment times?
Initially scheduled for July 1, 2024, the obligation for French companies to issue and receive electronic invoices will be phased in from September 1, 2026.
Professionals
Electronic invoicing: candidates for partner dematerialization platform status
DGFIP has published the list of candidates for the status of Partner Dematerialization Platform (PDP).
Professionals
Donations to associations: tax reduction increased to 75% until 2026
French MPs have approved an amendment to the Finance Bill, increasing the tax reduction granted for donations to organizations that help the underprivileged.
Professionals
Banque de France revises its growth forecast for late 2023
Gross domestic product (GDP) is set to rise by 0.2% in the final quarter of 2023, according to Banque de France forecasts.
Professionals
The creation, takeover or sale of an establishment in 2023 must be declared by December 31.
If you have created, taken over or sold an establishment this year, you have until December 31 to declare it.
Professionals
VAT: half-yearly instalments due by December 26
If you are subject to the simplified VAT system, you can pay your second half-yearly instalment from December 15 to December 26 inclusive.
Professionals
Energy: support measures proposed for professionals in 2024
Bruno Le Maire, French Minister for the Economy, Finance, Industrial and Digital Sovereignty, announced on November 30 the energy support measures proposed for professionals in 2024.
Professionals
Unseizability of principal residence: the burden of proof lies with the entrepreneur
A sole trader can oppose the seizure of a property belonging to him, provided he can prove that it is his principal residence.
Professionals
Suspension of payment of claims during a judicial liquidation
When a company is in the process of judicial liquidation, its creditors no longer have the right to claim payment of their debts directly from the company.
Professional
Updated energy checklist, essential support for companies
The Energy Crisis Committee offers business leaders a checklist, which has just been updated, to help them make the right decisions when it comes to...
Professionals
CFE
payment deadline on December 15
The tax notices for the business property tax (CFE) are online. Liable companies have until December 15, 2023 to pay the balance.
Professionals
Bercy launches "Rencontres de la simplification de la vie des entreprises
The government recently launched a public consultation aimed at business leaders and entrepreneurs.
Professionals
Launch of the 12th Industry Week
In 2023, Industry Week will be held from November 27 to December 3, providing an opportunity to promote the sector's professions to the general public.
Professionals
Accessibility fund supports local shops and establishments
Since November 2, small businesses have been able to apply for assistance in financing part of their work.
Professionals
New features for the National Register of Companies
A decree issued on October 17 lays down new provisions concerning the registration and correction of information entered in the National Register of Companies (RNE).
Professionals
Failure to provide a statement of natural and technological risks does not result in termination of the commercial lease
The fact that a lessor fails to provide a statement of natural and technological risks that is less than 6 months old is not sufficient reason to terminate the lease....
Professionals
Local business taxation mapped city by city
The Direction générale des Finances publiques (DGFIP) has launched a new tool presenting local business tax data in the form of dynamic maps.
Professionals
Generalized electronic invoicing: timetable unveiled
The obligation for VAT-registered businesses to use electronic invoicing will apply from 2026.
Professionals
Electronic invoicing: how to get started?
Now that the timetable for the widespread introduction of electronic invoicing has recently been unveiled, companies may find it difficult to navigate their way through the software available on the market...
Professionals
The European VIDA Directive and its impact on e-commerce
In December 2022, the European Commission presented a draft directive called VIDA (Directive on VAT in the Digital Age), which has since been approved by the...
Professionals
Guichet unique: no more paper forms
Companies can no longer submit paper forms to the registries, except in the case of certain exceptional formalities.
Professionals
Help! helps self-employed workers in difficulty
The French social security organizations have joined forces to offer "Help!", a special service for self-employed workers in difficulty.
Professionals
Wrong VAT rate: what consequences for the craftsman?
Companies are responsible for collecting VAT on behalf of the government. In the event of an error in calculating the rate, it is not possible to claim a supplement from the customer.
Professionals
Italy, a pioneer in electronic invoicing
Italy is a pioneer in electronic invoicing. Today, almost 8 out of 10 companies use electronic invoicing.
Professionals
E-invoicing reform postponed by a year
Already in place since 2020 in the public sector, the dematerialization of invoices issued in France between companies subject to VAT has finally been postponed.
Professionals
The French government uses dormant bank accounts to increase funding for associations
The French government has announced its intention to increase funding for small associations by almost 20 million euros by tapping into inactive bank accounts.
Professionals
What is the notice period for terminating an established business relationship?
Producers, distributors and service providers who abruptly terminate an established commercial relationship without offering their partners sufficient notice are liable.
Professionals
Commercial premises: work prescribed by the authorities is the responsibility of the lessor
A landlord who receives a notice from the authorities requiring him to carry out restoration work on his commercial premises cannot require his tenant to do the work....
Professionals
Withholding tax for the self-employed in 2024: when and how to opt for quarterly instalments?
Self-employed workers, to benefit from quarterly withholding tax, you need to opt for this system by the deadline.
Professionals
Recovery of social security contributions from the personal assets of sole traders
A decree issued on July 17 sets the thresholds applicable to the recovery of social security contributions from an entrepreneur's personal assets.
Professionals
Electronic invoicing postponed
The Ministry of the Economy has announced the postponement of the generalization of electronic invoicing, an obligation that was due to come into force on July 1, 2024.
Professionals
Insufficient shareholders' equity: new rules apply
The decree of July 25, 2023 sets out new rules to be applied when a company's shareholders' equity falls below half of its share capital.
Professionals
Over 80% of companies still in business after 3 years
A recent INSEE study shows that financial and insurance companies have a higher survival rate than sole proprietorships.
Professionals
Launch of the Mon Accompagnateur Rénov' platform
2023 sees the launch of the Mon Accompagnateur Rénov' accreditation application platform, which has been extended to private players since July 3.
Professionals
3006, a toll-free number for business start-ups
The Chambers of Trades and Crafts now offer a toll-free number, 3006, to answer questions from craftspeople.
Professionals
Business climate remains stable in France in July
The business climate remained relatively stable in July, according to INSEE.
Professionals
Unannounced tax inspections: procedures and consequences
If tax officials turn up at a company's door without warning, it's probably an unannounced tax audit.
Professionals
When to file a declaration of confidentiality for annual financial statements?
A company can opt to keep its annual financial statements confidential, so that they are not made public, in whole or in part.
Professionals
Tax relief: how is interest on arrears calculated?
When the tax authorities are obliged to reimburse a taxpayer for a tax rebate, interest on arrears is charged.
Professionals
Omissions on invoices: beware of penalties
In the event of an omission or error on an invoice, the professional incurs a flat-rate tax fine of 15 euros.
Professionals
No more paper till receipts from August 1
Initially scheduled for January 1, then April 1, the end of automatic receipt printing will finally take effect on August 1.
Professionals
New rules for meat origin on takeaways from October 1
The country of origin of beef, pork, poultry and lamb will be compulsory for takeaway restaurants.
Professionals
Essential aid for damaged businesses
Following the damage and looting of several businesses, the government has announced a number of support measures.
Professionals
Challenges and benefits for businesses with the end of the copper network
The copper network, which provides telephone, Internet and TV services, is gradually being phased out and replaced by fiber optics.
Professionals
Electronic invoicing: equip yourself to stay competitive
Get ready now for electronic invoicing, which will be mandatory by 2024-2026, depending on the size of your company. Think about your IT equipment.
Professionals
Obligation to transmit transaction data: which companies are affected?
From July 2024 to January 2026, all companies established in France will have to progressively adopt the receipt and issue of electronic invoices, as well as the obligation to...
Professionals
From paper filing to expert mode: a new era for annual accounts
With the aim of simplifying the filing of annual accounts on the one-stop shop, INPI has introduced an "expert mode" since April 27.
Professionals
One-stop shop ready to serve businesses from June 30
The long-awaited one-stop shop will be officially launched on June 30, following the government's announcement.
Professionals
Canvassing: uninformed customers do not have to pay for services provided
Consumers do not have to pay for services if they have not been informed of their right of withdrawal.
Professionals
Unjustified retention of a partner in an SCP: damages are not tax-deductible
Expenses incurred by a partner in an SCP to retain his shares in the partnership when he has ceased his professional activity cannot be deducted from his...
Professionals
Requalifying a rental contract as a commercial lease: what is the limitation period?
In a recent decision, the French Supreme Court (Cour de cassation) ruled on the starting point of the limitation period for an action to requalify a rental contract as a commercial...
Professionals
Polygraphe, a tool to identify false online reviews
Developed by the DGCCRF, Polygraphe aims to combat false reviews on online consumer platforms.
Professionals
How will I receive invoices from my suppliers from July 1, 2024?
Get ready for the change from July 1, 2024: all businesses, without exception, will have to receive electronic invoices from their suppliers in order to combat...
Professionals
2 procedures for securing electronic invoices
A decree issued on May 16 specifies the procedures for securing invoices sent electronically.
Professionals
A major reform for the craft industry: new Code to come into force in July
On March 28, the French President signed the decree establishing the legislative part of the Code de l'Artisanat.
Professionals
Exemption from payroll tax: clarifications from the Conseil d'État
In a recent ruling, the French Conseil d'Etat (the highest administrative court in France) clarifies the conditions required for exemption from payroll tax.
Professionals
When does the warranty against hidden defects apply?
To benefit from the warranty against hidden defects, the buyer must inform the seller of the use he intends to make of the item purchased.
Professionals
Conditions of validity for subletting commercial premises
When a commercial lease has been sublet without the lessor's consent, the lessor cannot sue the subtenant.
Professionals
CFE and CVAE: 2 instalments due by June 15 at the latest
Companies now have just a few weeks to pay their CFE and CVAE online.
Professionals
What's new on the bodacc website?
In 2022, the bodacc (Bulletin des annonces civiles et commerciales) surveyed users to find out what they thought of the website. The results were...
Professionals
Building: ways to contain the rise in construction prices
Construction prices remain high, mainly due to inflation in materials prices.
Professionals
Simplified rules for the liberal professions: a major reform for their attractiveness
The reform of SELs (sociétés d'exercice libéral) aims to simplify the rules applicable to the liberal professions and make them more attractive.
Professionals
The new Urssaf inspection procedure
An April 12 decree modifies and improves the Urssaf inspection procedure. Here's what you need to know.
Professionals
Door-to-door sales contracts: the burden of proof lies with the seller
In the event of disagreement over the provision of contractual information in the context of an off-premises sale, the professional seller must prove that he has complied with his obligations...
Professionals
Dark stores are warehouses according to the Conseil d'État
In a recent decision, the French Conseil d'Etat has qualified dark stores as warehouses within the meaning of the town planning code and the Paris local town planning scheme.
Professionals
MLP regulations to change in 2024
From September 1, 2024, the rules governing changes of legal form for sociétés civiles professionnelles will change for the sake of greater clarity.
Professionals
How to find a business premises close to home?
There are many advantages to finding a business premises close to home that is suited to your needs. Here are a few tips to help you do just that...
Professionals
How to prepare for the 2023 financial year-end?
Most companies close their accounts on December 31. From January through to the deadline for filing the 2023 tax return (May 18 for...
Professionals
Launch of a scheme to help businesses set up in rural communities
The Direction Générale des Entreprises (DGE) and the Agence Nationale de la Cohésion des Territoires (ANCT) are launching a scheme to support the installation of shops in rural communities.
Professionals
Specificities and taboos of B2B sales
BtoB sales have a number of characteristics that distinguish them from BtoC sales. One of these is that the end-user of the product or service is not directly the customer...
Professionals
Unpaid invoices: what is the time limit for taking legal action against a consumer?
The law is particularly protective of consumers in the event of an unpaid bill to a professional.
Professionals
The time has come for companies to file their 2023 tax returns
What do the various returns entail, and what are the deadlines beyond which companies risk penalties?
Professionals
Electronic invoicing: the scope of e-reporting of transaction data
E-reporting involves transmitting certain billing and payment data to the tax authorities.
Professionals
Purchasing pooling on the rise in the corporate sector
Faced with rising prices, more and more companies are turning to pooled purchasing.
Professionals
Electronic invoicing: the first steps to follow
From July 1, 2024, all businesses will have to accept electronic invoices. Electronic invoices will be issued progressively between 2024 and 2026.
Professionals
Is your company concerned by the obligation to issue electronic invoices?
From July 1, 2024, certain companies will have to comply with a new obligation: issue electronic invoices for all their commercial transactions.
Professionals
Why should an association apply for a SIRET number?
Registration in the SIRENE register is not compulsory for associations. However, it is highly recommended.
Professionals
Partial reopening of Infogreffe until June 30 for certain administrative procedures
The Infogreffe portal has been partially reactivated following major malfunctions at the one-stop shop for company formalities.
Professionals
Electronic invoicing mandatory from 2024
On January 1, 2020, companies became obliged to issue electronic invoices. It is set to become more widespread according to a precise timetable.
Professionals
Construction: production costs stabilize at a high level
Despite some stabilization, production costs remain high in the construction industry, and are set to remain so in 2023.
Professionals
Construction: buoyant activity for equipment manufacturers in 2022
The French construction equipment and materials sector has forecast an increase in activity in 2022, both in terms of value and volume.
Professionals
VAT and the financing of public services: a reminder from the Cour des Comptes (French Audit Office)
In a report, the Conseil des prélèvements obligatoires, part of the Cour des Comptes, reminds us of the objective of VAT yield.
Professionals
New measures for self-employed work stoppages in 2023
The Social Security Financing Act for 2023 includes several derogatory measures concerning work stoppages for self-employed workers most affected by the crisis...
Professionals
Self-employed: what daily benefits are available for sick leave?
The daily allowance system for self-employed workers is subject to strict rules.
Professionals
Self-employed workers: lower social security contributions
A decree published in December by the government reduces the sickness and maternity contributions of certain self-employed workers.
Professionals
Business power cuts: is the loss of perishable goods covered by insurers?
In the event of a power cut, the loss of perishable foodstuffs suffered by businesses is not systematically covered by insurance.
Professionals
Businesses face higher penalties for late payment of invoices
The ECB has raised its interest rates, which should lead to an increase in the penalties due by a company for late payment of its invoice.
Professionals
Excessive insurance fees: ACPR warns professionals
The Autorité de contrôle prudentiel et de résolution has called on insurers to be more transparent about the fees they charge.
Professionals
Associations: it is now compulsory to declare donations received
Non-profit organizations are now required to declare donations received and tax receipts issued.
Professionals
Asian stock markets destabilized by protests in China
After a weekend of demonstrations against the Chinese government's zero Covid policy, Asian stock markets are down.
Professionals
A commercial lease can only be renewed with the tacit agreement of the tenant.
The renewal of a commercial lease must be tacitly and unequivocally accepted by the tenant.
Professionals
300 financial institutions call on companies to reduce their carbon footprint
CDP is calling on the 1,000 most polluting companies to adopt serious carbon reduction targets.
Professionals
Real estate market tense up
All players in the sector have observed a rise in mortgage rates since the beginning of the year, which is not without consequences.
Professionals
General strike on Tuesday, October 18: what disruptions can be expected?
On Tuesday October 18, a day of cross-industry mobilization will lead to disruptions in several sectors.
Professionals
Fintech Bizao accelerates its expansion in Africa
Founded in 2019, the French startup plans to pursue its development in Africa while continuing to design new products and services.
Professional
Electricity: RTE to return 1 billion euros to customers in 2023
At the beginning of 2023, the high-voltage line operator will redistribute more than 1 billion euros in surplus revenue to its customers.
Professionals
Retailers closed during Covid-19 must pay rent
In a decision handed down on June 30, the French Supreme Court (Cour de cassation) rejected the request of retailers wishing to circumvent their obligation to pay rent due to the...
Professionals
Fuel costs per kilometer: higher scales in 2021
The tax authorities have published the fuel expenses scale for the 2021 tax return, to be filed in spring 2022.
Professionals
Law to promote self-employed professional activity published
The bill in favor of independent professional activity, known as the "Independent Plan", was definitively adopted on February 8, 2022.
Professionals
Olympic Games: how do banks support athletes?
From sponsorship to financial education, banks - and Groupe BPCE in particular - are doing their utmost to support top-level athletes.
Professionals
Covid: exceptional financial assistance for the self-employed and self-entrepreneurs
The government is once again reinforcing its arsenal of measures to support those hardest hit by the health crisis.
Professionals
Biotech and e-health: sectors boosted by the pandemic
In the biotech and e-health sectors, boosted by the health crisis, startups received record funding in 2021.
Professionals
Ensuring that a bank or insurance intermediary is authorized
Before taking out a loan, insurance contract or financial product, you need to check that the intermediary offering it is authorized to operate.
Professionals
British fintech Checkout valued at $40 billion
Online payment platform fintech Checkout.com is now valued at $40 billion following a recent fundraising round.
Professionals
Companies: Omicron-related absenteeism remains limited
Despite a surge in Omicron-related Covid-19 cases, employers' associations report that absenteeism in companies remains limited.
Professionals
Personal data: Fintech Slimpay sanctioned by the CNIL
Fast-growing fintech Slimpay has been sanctioned for exposing the banking data of 12 million customers over a 4-year period.
Professionals
What is the status of the business owner's spouse or partner?
Spouses who regularly participate in the company's activities are required to choose one of the following statuses: collaborator, associate or employee.
Professionals
Internationalization, the next challenge for French fintech?
Despite record fund-raising in 2021, French startups are still struggling to establish their model internationally.
Professionals
The EU wants to step up the fight against shell companies
The European Commission has proposed a directive to tighten regulations on shell companies in the fight against tax evasion.
Professionals
Associations required to sign a republican commitment contract
In order to apply for subsidies or accreditation, associations will be required to sign a republican commitment contract.
Professionals
Payment terminals: secure technologies?
The PAX Global affair highlights the security issues associated with the various technologies on which payment terminals are based.
Professionals
Internal carbon pricing: companies take the lead
Aware of the risks associated with climate change, several companies have decided to apply a carbon price to themselves.
Professionals
Falling number of corporate failures hurts restructuring sector
Restructuring professionals, specialists in helping companies in difficulty, are confronted with a fall in the number of insolvencies.
Professional
Fractional payments: Stripe and Klarna sign a strategic partnership
The fintechs Stripe and Klarna have signed a strategic partnership to take a bigger share of the fractional payment market.
Professionals
Tech sector lacks candidates
There aren't enough professionals in the Tech professions, which are highly sought-after by companies undergoing digital transformation. Find out more.