← France hubs Financial Advisor
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Laurent is a Parisian financial advisor helping clients navigate the complex French tax and investment landscape. He spends his days balancing the books for SMEs and individuals while keeping up with ever-changing national fiscal policies.
Essential portals and obligations for managing client fiscal health and personal compliance.
Impots.gouv.fr Portal Espace Particulier et Professionnel national · Direction générale des Finances publiques
Who qualifies All French tax residents and businesses.
What you get Centralized tax filing, payment, and document retrieval.
What it actually costs you Requires a tax number and password; free to use.
Common gotcha The interface changes frequently; always verify the 'Espace Professionnel' vs 'Particulier' login.
Withholding Tax System Prélèvement à la source national · Direction générale des Finances publiques
Who qualifies All employees and retirees in France.
What you get Real-time tax deduction from monthly income.
What it actually costs you Requires annual declaration to adjust the rate.
Common gotcha If income drops, you must manually update your rate on the portal to avoid overpaying.
Business Property Contribution Cotisation Foncière des Entreprises national · Direction générale des Finances publiques
Who qualifies All businesses exercising a non-salaried professional activity.
What you get Local tax contribution for business premises.
What it actually costs you Annual payment based on rental value of premises.
Common gotcha New businesses are often exempt in their first year but must still file a declaration.
Intra-Community VAT Number Numéro de TVA intracommunautaire national · Direction générale des Finances publiques
Who qualifies Businesses trading within the EU.
What you get Ability to invoice without VAT for B2B transactions.
What it actually costs you Must be requested via the professional portal.
Common gotcha Failure to include this on invoices for EU clients leads to heavy penalties.
Value Added Contribution Cotisation sur la Valeur Ajoutée des Entreprises national · Direction générale des Finances publiques
Who qualifies Businesses with turnover exceeding €500,000.
What you get Tax on the value added by the company.
What it actually costs you Annual filing required.
Common gotcha Even if the tax amount is zero, the declaration must be filed if turnover exceeds the threshold.
Apprenticeship Tax Taxe d'apprentissage national · URSSAF
Who qualifies All companies employing staff.
What you get Funding for vocational training.
What it actually costs you Calculated on the payroll.
Common gotcha Payment is now centralized through the DSN (Déclaration Sociale Nominative). Managing the heavy social charges and employee benefits that define the French labor market.
URSSAF Professional Portal URSSAF national · URSSAF
Who qualifies All employers and self-employed professionals.
What you get Central hub for social security contributions.
What it actually costs you Requires SIRET number and account setup.
Common gotcha Deadlines are strict; late payments incur automatic penalties.
Partial Activity Scheme Activité partielle national · Ministère du Travail
Who qualifies Companies facing economic difficulties or force majeure.
What you get State compensation for employee wages during reduced hours.
What it actually costs you Requires application via the Activité Partielle portal.
Common gotcha Must be authorized by the administration before implementation.
Mandatory Corporate Health Insurance Mutuelle d'entreprise national · Ministère de la Santé
Who qualifies All private sector employees.
What you get Supplementary health coverage paid at least 50% by the employer.
What it actually costs you Monthly premiums deducted from payroll.
Common gotcha Employers must ensure the plan meets the 'panier de soins' minimum requirements.
Supplementary Retirement Scheme Agirc-Arrco national · Agirc-Arrco
Who qualifies All private sector employees.
What you get Points-based supplementary pension.
What it actually costs you Contributions deducted from salary.
Common gotcha Points are not lost when changing employers, but tracking them is essential.
Professional Training Account Compte Personnel de Formation national · Ministère du Travail
Who qualifies All active workers.
What you get Annual credit in euros for professional training.
What it actually costs you Free to use; managed via the CPF portal.
Common gotcha Credits expire if not used or if the account is not migrated to the new portal.
Occupational Health Service Service de Santé au Travail national · Ministère du Travail
Who qualifies All employees.
What you get Mandatory medical check-ups.
What it actually costs you Annual contribution paid by the employer.
Common gotcha The employer is responsible for scheduling the initial visit upon hiring. The standard vehicles Laurent uses to optimize tax efficiency for his clients.
Life Insurance (Investment) Assurance-vie national · Private Banks / Insurers
Who qualifies Anyone looking for long-term tax-advantaged savings.
What you get Tax benefits on capital gains after 8 years.
What it actually costs you Entry fees and management fees vary by provider.
Common gotcha It is an investment product, not just a death benefit.
Equity Savings Plan Plan d'Épargne en Actions national · Banks
Who qualifies French tax residents.
What you get Tax-free capital gains after 5 years.
What it actually costs you Limited to €150,000 total investment.
Common gotcha Closing the plan before 5 years triggers full taxation of gains.
Retirement Savings Plan Plan d'Épargne Retraite national · Banks / Insurers
Who qualifies Anyone wanting to save for retirement.
What you get Tax deduction on contributions from taxable income.
What it actually costs you Locked until retirement (with exceptions).
Common gotcha The tax deduction is only beneficial if you are in a high tax bracket.
Regulated Savings Account Livret A national · Caisse des Dépôts
Who qualifies All individuals.
What you get Tax-free interest, liquid savings.
What it actually costs you Capped at €22,950.
Common gotcha You can only hold one Livret A per person.
Sustainable Development Savings LDDS national · Banks
Who qualifies All individuals.
What you get Tax-free interest, supports social/environmental projects.
What it actually costs you Capped at €12,000.
Common gotcha Often overlooked in favor of Livret A, but useful for extra liquidity.
Girardin Industrial Tax Scheme Loi Girardin national · Ministère de l'Économie
Who qualifies High-net-worth individuals.
What you get Significant reduction in income tax.
What it actually costs you High risk of capital loss; requires professional advice.
Common gotcha The investment is illiquid and carries regulatory risks. The foundational IDs and portals required to operate in France.
FranceConnect national · DINUM
Who qualifies Anyone with a French government account.
What you get Single sign-on for all public services.
What it actually costs you Free; requires existing credentials from Impots or Ameli.
Common gotcha If you lose access to your primary account (e.g., Ameli), you lose access to all connected services.
Business Registration Extract Extrait Kbis national · Greffe du Tribunal de Commerce
Who qualifies All registered companies.
What you get Official proof of business existence.
What it actually costs you Small fee for online download.
Common gotcha Must be less than 3 months old for most administrative procedures.
Health Insurance Portal Ameli national · Assurance Maladie
Who qualifies All residents.
What you get Management of health reimbursements and Carte Vitale.
What it actually costs you Free; requires Carte Vitale.
Common gotcha Always update your 'Médecin traitant' to ensure better reimbursement rates.
Intellectual Property Portal INPI national · INPI
Who qualifies Businesses and creators.
What you get Trademark and patent registration.
What it actually costs you Application fees based on the number of classes.
Common gotcha Trademark searches are crucial before filing to avoid infringement.
Service-Public.fr Service-Public national · DILA
Who qualifies All citizens and professionals.
What you get The definitive guide to all French administrative procedures.
What it actually costs you Free.
Common gotcha It is a guide; you often need to click through to specific ministry portals to complete the action.
Commercial Court Registry Greffe du Tribunal de Commerce national · Ministère de la Justice
Who qualifies Businesses.
What you get Filing of annual accounts and legal modifications.
What it actually costs you Filing fees apply.
Common gotcha Failure to deposit annual accounts within the legal deadline triggers sanctions.
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
