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.
Rates
Rates
Everyday pro account
Company creator
Small associations
Independent
SMEs and Startups
Expense management
Companies
Associations
Login
Contact us
Login
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.
Rates
Rates
Everyday pro account
Company creator
Small associations
Independent
SMEs and Startups
Expense management
Companies
Associations
Banking and finance news
Home
News
All
Bank watch
News Anytime
Banks
VSE/SME
Professionals
Company founders
Individuals
ACPR
Associations
Life insurance
Autorité des Marchés Financiers
European Central Bank
Banque de France
BTP
CNIL
Credit/Loan
Cryptocurrency
Cybersecurity
Electricity
Companies
Environment
Savings
Bills
French Banking Federation
Fintechs
International Monetary Fund
France Assureurs
Gas
HCSF
Real estate
Independent
Inflation
Taxes
Case law
Mediation
Procedures
Startup/innovation
VAT
Urssaf
2020 Archives
Archives 2019
Archives 2018
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.
VSE/SME
Payment delays on the rise again
Since last year, payment delays have once again threatened small businesses. The French government is planning to strengthen its control tools.
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....
SMALL BUSINESSES
Company and group size thresholds upgraded
The decree of February 28, 2024 upgrades the thresholds defining the size of a company and a group.
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.
VSE/SME
Call for entries for the "Grande Exposition du Fabriqué en France
The 4th edition of the Grande Exposition du Fabriqué en France will take place at the end of June.
VSE/SME
Administrative simplification: initial results of consultation with entrepreneurs
The French Minister of the Economy recently unveiled the first results of the public consultation on administrative simplification.
VSE/SME
Companies with fewer than 11 employees have until December 31 to opt for quarterly payment of social security contributions.
In principle, social security contributions are deducted on the 5th or 20th of each month. However, it is possible to opt for quarterly payment.
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.
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.
SMALL BUSINESSES
Very small businesses benefit from the monumental Grand Paris Express construction site
The law creating the Grand Paris Express was passed in June 2010. To support this project, the French government is relying in particular on very small businesses.
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
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
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
Generalized electronic invoicing: timetable unveiled
The obligation for VAT-registered businesses to use electronic invoicing will apply from 2026.
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.
VSE/SME
Ma TPE gagne avec le numérique" training course, registration deadline October 22
The Île-de-France DRIEETS and France Num are offering a free training course for VSE managers, entitled "Ma TPE gagne avec le numérique" ("My VSE wins with digital").
VSE/SME
Micro-entrepreneurs: option to opt for lump-sum payment until September 30
Active micro-entrepreneurs have until September 30, 2023 to opt for the lump-sum payment at source.
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
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.
Company founders
The "Créer sa Réussite" program renewed
The French Ministry of Labor, Employment and Integration has decided to renew the "Créer sa Réussite" program launched by BGE in October 2021.
VSE/SME
Principal residence and judicial liquidation: the burden of proof lies with the entrepreneur
In a recent ruling, the French Supreme Court (Cour de cassation) specifies that in order to oppose the compulsory sale of a property, the entrepreneur must provide proof that it is his...
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
Essential aid for damaged businesses
Following the damage and looting of several businesses, the government has announced a number of support measures.
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
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
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
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
The new Urssaf inspection procedure
An April 12 decree modifies and improves the Urssaf inspection procedure. Here's what you need to know.
SMALL BUSINESSES
"Baisse les Watts" helps very small businesses reduce their energy bills for free
Launched in November 2022, the "Baisse les Watts" program aims to support VSE/SMEs in controlling their energy consumption.
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...
SMALL BUSINESSES
Small businesses: streamlined accounting obligations
Whatever their legal form, small businesses must comply with certain accounting rules.
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...
VSE/SME
Company car tax: what to expect in 2023?
Company car tax (TVS) is now split in two. Its calculation is based on daily rather than quarterly use.
VSE/SME
A joint and several business lease for micro-businesses
An ordinance dated February 8, 2023 has just introduced a joint and several real business lease for micro-entrepreneurs.
Company founders
How long does it take to open a micro-business?
Anyone wishing to set up their own business must first choose their status. The simplest, quickest and least costly way to set up a business...
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.
VSE/SME
Business insolvencies at their highest since 2015
In one year, bankruptcies have risen by over 16% in the European Union.
Company founders
Obligation for micro-entrepreneurs to open a bank account
By law, all businesses must open a business bank account when they are set up, with the exception of micro-enterprises, which are exempt. However, micro-businesses have an interest in...
Company founders
Business start-ups: the year 2022 in review
While the number of business start-ups had already reached an all-time high in 2021, a new record was set in 2022.
VSE/SME
Micro-entrepreneurs: how to obtain payment for unpaid invoices?
Late payment, underpayment, refusal to pay... micro-entrepreneurs are not immune to unpaid invoices.
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
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...
VSE/SME
Business formalities: the one-stop shop causes concern
Since the beginning of the year, all procedures and formalities for setting up, modifying or cancelling a business have been carried out via a one-stop shop.
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.
VSE/SME
Employee savings: what are the advantages for managers?
Company directors can benefit from attractive tax advantages when they use employee savings schemes.
SMALL BUSINESSES
Companies: the growing use of freelance consultants
Freelancing is on the up: companies are increasingly turning to independent consultants in their search for flexibility.
VSE/SME
Sole proprietorship: what the separation of assets changes
The law of February 14, 2022 created a new, more protective status for sole traders. As of May 15, only business assets will be...
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
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
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.
VSE/SME
The main thrusts of the support plan for the self-employed
The self-employed, weakened by the health crisis, will benefit from the support measures recently announced by the government.