Is a pro account mandatory for every company?

Depending on your company's status, you have different obligations, including when it comes to managing your finances. Anytime takes a look at the situation: is a business account compulsory for all companies?

Choosing the status of your company

When setting up your business, you need to determine the precise nature of your activity, as this is crucial in terms of formalities, taxation, business management and the social status of the manager.

The choice of company status depends on the type of business activity, but you also need to ask yourself the following questions: + is the company a sole proprietorship or is it being set up in association with partners? + what are the financing requirements of this new structure?

These questions will influence your choice of business account. A business account is mandatory for companies with share capital. Opening a business account is an essential part of registering your company, as it enables you to prove the existence of your share capital.

It is not compulsory for a micro-business to have a business account. However, a dedicated bank account must be opened within the first year of the company's creation. This account can be a business account or a personal account. Bear in mind that every financial transaction relating to your business activity must be made from this account dedicated to your auto-entrepreneur activity.

Deposit share capital in a business account

To obtain a Kbis, you need to decide on an amount of share capital, which will be deposited in an escrow account.

With Anytime, you can complete this process entirely online, and obtain your certificate of capital deposit in just a few clicks.

You'll need to fill in an online questionnaire and enclose the following supporting documents: + proof of identity + proof of address (electricity bill, gas bill, water bill, last tax assessment, fixed-line or ADSL telephone bill) in your name, dated less than 3 months + a copy of the lease for the company's registered office + initialled and signed PDF version of the company's articles of association

Once we have received your request, Anytime will provide you with the IBAN of the notary's escrow account. You can then make the transfer corresponding to the amount of capital entered in your articles of association. If you have several partners, each partner must make a capital deposit transfer corresponding to his or her shareholding.

Upon receipt of the funds, Anytime or its partners will send you a certificate of capital deposit by e-mail.

The certificate mentions your company's name, the registered office address and the total amount of paid-in share capital. If necessary, it includes an appendix listing the various subscribers and the amounts deposited by each.

This certificate enables you to apply for a Kbis certificate, and thus register the company. Processing time for your complete application varies from 2 to 10 days after submission to the CFE (Centre de formalités des entreprises).

To simplify the process, Anytime and its partners will collect your Kbis and statutes from the Registrar's Office. These documents enable you to finalize the opening of your business account, to which the share capital can then be transferred.

Should I keep my pro account open?

Once your company has been registered with the Chamber of Commerce and you have obtained your Kbis, the share capital is transferred to a business account. You are free to dispose of it as you see fit. It is possible to make transfers to another bank account, and to close your current business account. Although a company with share capital must have a business account, it is not obligatory to keep one.

It's best to avoid closing your business account. This is because, in the event of a tax audit, you would have to justify the financial movements of the account used for your professional activity. If your personal expenses are mixed with business expenses, you should justify each of them.

With Anytime, you can benefit from services tailored to your business, saving you time on cash flow and expense management.

Can a bank refuse to open a business account?

When you want to open a business account with a traditional bank offering credit facilities, you need to put together a dossier containing your business plan. If your project is not convincing, the bank will refuse to open a business account for you.

The bank also checks with the Banque de France and the FICP (Fichier des Incidents des Crédits aux Particuliers), to see if you've experienced any financial difficulties in recent years. If this is the case, the bank may refuse to open a business account.

A pro bank can reject your application without giving any reasons. Its only obligation is to inform you by letter, containing a certificate of refusal to open a professional account.

You can use your "right to an account" and apply to the Banque de France. The Banque will automatically designate a professional bank to open a deposit account for you.

Or, more simply, you can turn to a neo-bank like Anytime, which lets you open a business account online even if you're barred from banking.

Choosing the right professional bank for your business

Choose a pro bank or pro neobank that understands your business and has experience in managing the issues you'll face.

If you're comfortable with digital tools and autonomous in managing your business account, a neobank gives you access to the services you need at a lower cost and without wasting time.

Anytime 's primary objective is to make life easier and more fluid for entrepreneurs. Attentive to your needs, the company is constantly seeking to expand the range of services included in its professional account.

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