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Damien is a freelance sports coach and personal trainer navigating the French administrative system. This hub covers his professional status, health protections, and daily life as a self-employed professional in France.
Managing the complex tax and social contribution landscape for independent contractors.
Micro-entrepreneur status Auto-entrepreneur national · URSSAF
Who qualifies Independent workers with annual turnover below €77,700 for services.
What you get Simplified tax calculation and social contribution payments based on actual revenue.
What it actually costs you Zero upfront cost; 21.1% social contribution rate on turnover.
Common gotcha You must declare your revenue every month or quarter, even if it is zero.
Business Property Contribution Cotisation Foncière des Entreprises national · DGFiP
Who qualifies All individuals exercising a non-salaried professional activity.
What you get Legal right to operate your business.
What it actually costs you Annual tax based on the rental value of your professional premises.
Common gotcha Exempted for the first year of activity, but you must file the declaration.
Business Creation/Takeover Aid Aide à la création ou à la reprise d'une entreprise national · URSSAF
Who qualifies New entrepreneurs under 26 or registered job seekers.
What you get Partial or total exemption from social security contributions for the first year.
What it actually costs you Application requires proof of status.
Common gotcha Must apply within 45 days of business registration.
Professional Tax Portal Espace professionnel impots.gouv national · DGFiP
Who qualifies All business owners.
What you get Centralized management of VAT and income tax declarations.
What it actually costs you Requires a digital certificate or login.
Common gotcha Passwords expire; keep your credentials safe.
Small Business VAT Exemption Franchise en base de TVA national · DGFiP
Who qualifies Businesses with turnover below €36,800.
What you get No need to charge or collect VAT on your coaching services.
What it actually costs you Must include 'TVA non applicable, art. 293 B du CGI' on all invoices.
Common gotcha If you exceed the limit, you must register for VAT immediately.
Professional Training Fund Contribution à la formation professionnelle national · FIFPL
Who qualifies Self-employed professionals paying social contributions.
What you get Funding for continuing education or certification courses.
What it actually costs you Small annual contribution included in your social charges.
Common gotcha You must submit your training request before the course begins. Ensuring I have coverage for injuries or illness as a freelancer.
General Health Insurance Assurance Maladie national · CPAM
Who qualifies All residents working in France.
What you get Reimbursement of medical expenses (usually 70%).
What it actually costs you Requires a Carte Vitale.
Common gotcha Always update your Carte Vitale at pharmacy kiosks.
Supplementary Health Insurance Complémentaire santé private · Private Insurers
Who qualifies Any individual seeking better coverage than state insurance.
What you get Covers the 'ticket modérateur' (the remaining 30% of costs).
What it actually costs you Monthly premium based on age and coverage level.
Common gotcha Check if your policy covers optical and dental well.
Primary Care Physician Declaration Déclaration de médecin traitant national · CPAM
Who qualifies All adults.
What you get Better reimbursement rates for consultations.
What it actually costs you Requires a visit to your doctor to sign the form.
Common gotcha Going to a specialist without a referral costs more.
Work Accident Insurance Assurance volontaire accident du travail national · CPAM
Who qualifies Self-employed individuals.
What you get Coverage for medical costs and income loss due to work-related injury.
What it actually costs you Optional annual premium.
Common gotcha Standard health insurance does not cover work accidents.
Shared Medical Record Mon Espace Santé national · Ministère de la Santé
Who qualifies All insured persons.
What you get Digital access to all your prescriptions and medical history.
What it actually costs you Activation with your social security number.
Common gotcha You can block doctors from seeing specific documents.
Preventative Health Check Examen de prévention en santé national · CPAM
Who qualifies Every 5 years for adults.
What you get Free comprehensive medical check-up.
What it actually costs you Time for the appointment.
Common gotcha You must request the invitation from your local CPAM. Handling essential ID, housing, and transport needs.
Universal Login Portal FranceConnect national · DINUM
Who qualifies Anyone with a government account (tax, health, etc.).
What you get Single sign-on for all public services.
What it actually costs you None.
Common gotcha Use your tax portal credentials for the easiest access.
National Identity Card Carte Nationale d'Identité national · ANTS
Who qualifies French citizens.
What you get Valid ID and travel document within EU.
What it actually costs you Free, but requires fingerprinting at the town hall.
Common gotcha Appointments at town halls can be months away.
Housing Assistance Aide Personnalisée au Logement national · CAF
Who qualifies Low-income tenants.
What you get Monthly subsidy towards rent.
What it actually costs you Requires proof of income and lease.
Common gotcha The amount changes if your income changes.
National Transport Pass Passe Navigo national · Île-de-France Mobilités
Who qualifies All commuters.
What you get Unlimited travel on public transport.
What it actually costs you Monthly subscription fee.
Common gotcha Employers must reimburse 50% of the cost.
Public Service Portal Service-Public.fr national · DILA
Who qualifies Everyone.
What you get Official information on all rights and administrative procedures.
What it actually costs you None.
Common gotcha Always check the 'Dernière mise à jour' date.
Driving License Portal Permis de conduire national · ANTS
Who qualifies All drivers.
What you get Management of points and license renewal.
What it actually costs you None.
Common gotcha You can lose points for minor traffic violations. Freelancers need to track their pension contributions carefully.
Pension Information Portal Info-Retraite national · GIP Union Retraite
Who qualifies All workers.
What you get Consolidated view of all pension points earned.
What it actually costs you Requires FranceConnect login.
Common gotcha Check that your career years are correctly recorded.
Basic Retirement Pension Retraite de base national · Assurance Retraite
Who qualifies Individuals who have contributed for a minimum number of quarters.
What you get Monthly pension based on average income.
What it actually costs you None.
Common gotcha You must request liquidation of your pension.
Supplementary Pension Retraite complémentaire national · Agirc-Arrco
Who qualifies All employees and self-employed.
What you get Additional pension points.
What it actually costs you Included in social contributions.
Common gotcha Points are converted to euros at retirement.
Life Insurance Savings Assurance-vie private · Banks/Insurers
Who qualifies Any resident.
What you get Tax-advantaged long-term savings vehicle.
What it actually costs you Management fees.
Common gotcha It is not a death insurance, but a savings account.
Retirement Savings Plan Plan d'Épargne Retraite national · Ministère de l'Économie
Who qualifies Everyone.
What you get Tax-deductible savings for retirement.
What it actually costs you Minimum monthly investment.
Common gotcha Funds are generally locked until retirement.
Disability Pension Pension d'invalidité national · CPAM
Who qualifies Workers with reduced capacity to earn.
What you get Replacement income.
What it actually costs you Medical evaluation.
Common gotcha Must be under 62 years of age.
One honest app. Real lives, real businesses. Free for what people need, paid only for what runs a business — on our own model, our own metal.
Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
