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French proof of registration updates #305

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French proof of registration updates
ntombing May 12, 2025
7f0fda9
fixup! French proof of registration updates
ntombing May 28, 2025
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147 changes: 136 additions & 11 deletions docs/partnership/document-center/company-registration/france.mdx
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Changes that need to be made:

  1. Use of asterisks is confusing - on the one hand they mark what's mandatory - but then there's a Acronym section?
  2. Document request section needs to be more consistent. Same as Italian page.
  3. Remove - the following table - text.
  4. Inconsistent spacing in the tables.
  5. Some are missing a comma in the right place - check this.

Questions:

  1. Whats the purpose of the Acronym section if they words are already spelled out in the text itself? e.g. UBOs.

Original file line number Diff line number Diff line change
Expand Up @@ -8,17 +8,142 @@ import DocumentsIntro from '../partials/_intro-registration.mdx';

<DocumentsIntro country="🇫🇷 France" />

| Legal entity | Proof of registration | Articles of association | Other documents |
| --- | --- | --- | --- |
| Société anonyme<br /><br/>Société à responsabilité limitée<br /><br/>Société civile professionnelle<br /><br/>Entreprise unipersonnelle à responsabilité limitée<br /><br/>Société par actions simplifiée<br /><br/>Société par actions simplifiée unipersonnelle<br /><br/>Société en nom collectif<br /><br/>Société en commandite par actions<br /><br/>Société en commandite simple | Kbis∗ certificate of incorporation | ✓ **Required**<br />if requested by Swan | Declaration of UBOs∗ (collected by Swan) |
| Entrepreneur individuel | One of the following documents will provide proof of registration:<br /><br /><ul><li>INSEE∗ registration document</li><li>A document certifying registration with the Chamber of Commerce (for sole-employed carrying out a commercial activity)</li><li>A document certifying registration with the Trade Register (for self-employed carrying out a craft activity)</li></ul> | ☒ Not required | [First transfer](../../../topics/onboarding/account-holders/index.mdx#first-transfer) from a bank account in Europe or the EEA∗ in the name of the client |
| Professions libérales | INSEE registration document | ☒ Not required | URSSAF∗ registration |
| Associations | JOAFE∗ journal issue | ✓ **Required**<br />if requested by Swan | *None* |
| Syndic de copropriété | Kbis certificate of incorporation | ✓ **Required** | <ul><li>UBO∗ declaration (collected by Swan)</li><li>UBO's identity document</li><li>Legal representative's identity document</li><li>Professional card</li><li>Financial guarantee</li><li>Professional liability insurance</li></ul> |
| Syndicat de copropriété | Proof of registration in the ANAH∗ register | ☒ Not required | Copy of the [minutes from a general meeting](./index.mdx#requirements-minutes) during which the syndicat was designated |

∗ Acronyms:
- **Kbis**: K extract for a business that serves as your company's ID card
## Companies {#companies}

### Legal forms {#company-types}
The following table describes the legal forms typically found for companies registered in France.

| Legal form (French) | Description |
|---|---|
| Société à responsabilité limitée (SARL) | Limited liability company |
| Société d'Exercice Libéral A Responsabilité Limitée (SELARL) | Liberal professional limited liability company |
| Société d'Exercice Libéral par Actions Simplifiée (SELAS) | Liberal professional company limited by shares |
| Société civile professionnelle (SCP) | Professional civil society |
| Société Civile (SC) | Civil society |
| Société Civile Immobilière (SCI) | Real estate civil society |
| Société Civile de Moyen (SCM) | Civil society for shared means |
| Entreprise unipersonnelle à responsabilité limitée (EURL) | Single-member limited liability company |
| Société par actions simplifiée (SAS) | Simplified joint-stock company |
| Société anonyme (SA) | Public limited company |
| Société par actions simplifiée unipersonnelle (SASU) | Single-member simplified joint-stock company |
| Micro-entreprise | Micro-enterprise |
| Société en nom collectif (SNC) | General partnership |
| Société en commandite par actions (SCA) | Partnership limited by shares |
| Société en commandite simple (SCS) | Limited partnership |
| Établissement public à caractère industriel et commercial (EPIC) | Public establishment of an industrial and commercial nature |
| Syndic de copropriété | Co-ownership management company / property management company (for co-owned buildings) |

### Accepted documents {#company-documents}
The following table lists the proof of registration documents accepted for companies registered in France.
:::info Document request
*Documents marked with an asterisk are mandatory for all legal forms.
All other documents may be requested on a case-by-case basis.
:::

| Document type (French) | Description | Details |
|---|---|---|
| Extrait Kbis* | Company registration certificate* | <br /><br /><ul><li>Official document</li><li>Dated within the last 3 months</li></ul> |
| Déclaration des bénéficiaires effectifs* | Ultimate Beneficial Owners (UBOs) declaration* | <br /><br /><ul><li>Official document:</li><li>Copie intégrale des informations déclarées, or</li><li>Déclaration Relative au(x) Bénéficiaire(s) Effectif(s) d'une Société, or</li><li>Document Relatif au Bénéficiaire Effectif</li><li>Signed and stamped</li></ul> |
| Statuts de l'association* | Articles of Association* | <br /><br /><ul><li>Must be signed</li><li>Dated within the last 3 months</li></ul> |
| Procuration signée par le représentant légal et Pièce d'identité du représentant légal | Power of Attorney (POA) and the identity document of the legal representative | <br /><br /><ul><li>POA must be dated (within the last year) and signed</li><li>Identity document of the legal representative if they are not the account holder</li><li>Must be submitted in color</li><li>Both sides of the document must be submitted (if applicable)</li></ul> |
| Pièce d'identité des bénéficiaires effectifs | Identity documents of the UBOs | <br /><br /><ul><li>All valid identity (ID) documents are accepted</li><li>Must be submitted in color</li><li>Both sides of the document must be submitted (if applicable)</li></ul> |
| Justificatif de domicile des bénéficiaires effectifs | Proofs of address of UBOs | <br /><br /><ul><li>Dated within the last 3 months</li></ul> |
| Formulaire Personne Politiquement Exposée (PPE) | Politically Exposed Person (PEP) form | <br /><br /><ul><li>Will be sent to the end user</li><li>Signed and dated</li></ul> |
| Etat financiers de l'organisation or Liasse Fiscale | Proof of company income | <br /><br /><ul><li>Most recent</li></ul> |
| Déclaration sur l'honneur des Bénéficiaires effectifs | Sworn statement | <br /><br /><ul><li>Signed</li><li>Dated within the last 3 months</li></ul> |
| Organigramme de l'entreprise | Company structure chart | <br /><br /><ul><li>Document must be authentic</li><li>Latest version</li></ul> |

## Self-employed individuals and freelancers {#self-employed}

### Legal forms {#self-employed-types}
The following table describes the legal forms relevant to self-employed individuals and freelancers in France.

| Legal form (French) | Description |
|---|---|
| Entrepreneur individuel | Self-employed |
| Professions libérales | Freelancers |

### Accepted documents {#self-employed-documents}
The following table lists the accepted proof of registration documents for self-employed individuals and freelancers in France.

:::info Document request
*Documents marked with an asterisk are mandatory. Swan requests proof of registration documents from freelancers if they can't be retrieved independently.
:::

| Document type (French) | Description | Details |
|---|---|---|
| Preuve d'enregistrement* | Proof of Registration* | <ul><li>Avis de situation INSEE</li><li>L'extrait Kbis</li><li>Synthèse INPI</li><li>All proof of registration documents must be dated within the last 3 months</li></ul> |
| Premier transfer* | First transfer* | <ul><li> For self-employed (entrepreneur individuel) individuals only</li><li>Must make a first transfer into their payment account from another account registered in their name</li><li>Bank account must be within the European Economic Area (EEA) </li></ul> |
| Preuve d'activité | Proof of activity | <ul><li>For professions libérales, provide the latest URSSAF declaration (last month)</li></ul> |
| Justificatif de l'adresse de la société | Proof of company address | <ul><li>Provide a document such as Synthèse INPI, Kbis, or avis de situation INSEE</li><li>Must be dated within the last 3 months</li></ul> |
| Justificatif de ressources | Proof of income | <ul><li>Submit a tax return (Avis d'imposition) from the previous year, or</li><li>Last month's pay slip (fiches de paie) dated within the last 3 months, or</li><li>Last URSSAF declaration</li></ul> |
| Formulaire Personne Politiquement Exposée (PPE) | Politically Exposed Person (PEP) form | <ul><li>Will be sent to the end user (based on your communication preferences)</li><li>Must be signed and dated</li></ul> |


## Associations {#associations}

### Legal forms {#association-types}
The following table describes the legal forms typically found for associations and homeowner associations registered in France.

| Legal form (French) | Description |
|---|---|
| Association de fait ou association non déclarée | Informal or undeclared association |
| Association loi de 1901 | Association under the French 1901 Law |
| Association avec agrément | Accredited association |
| Association d'utilité publique | Public-interest association |

### Accepted documents {#association-documents}
The following table lists the accepted proof of registration documents for associations in France.

:::info Document request and proof of transfer
*Documents marked with an asterisk are mandatory. All other documents may be requested on a case-by-case basis.
:::

| Document type (French) | Description | Details |
|---|---|---|
| Preuve d'enregistrement* | Proof of Registration* | <ul><li>Announcement in the Journal Officiel (official journal)</li><li>Requested for associations from **Alsace** or **Moselle**</li></ul> |
| Statuts de l'association* | Articles of Association* | <ul><li>Dated and signed</li></ul> |
| Procès verbal* | Latest meeting minutes* | <ul><li>Meeting minutes must be the latest ones with a maximum of 2 years</li></ul> |
| Procès verbal du président* | Appointment of the president* | <ul><li>Internal company document showing the details of the appointed president</li></ul> |
| Justificatif de l'adresse de la société | Proof of company address | <ul><li>Dated within the last 3 months</li></ul> |
| Avis d'imposition | Company's tax return | <ul><li>Most recent tax return</li></ul> |
| Procuration signée par le représentant légal et Pièce d'identité du représentant légal | Power of attorney & identity document of the legal representative (if not the account holder) | <ul><li> Dated within the last year</li></ul> |
| Premier transfert | First transfer | <ul><li>Requested for associations from **Alsace** or **Moselle**</li></ul> |
| Formulaire Personne Politiquement Exposée (PPE) | Politically Exposed Person (PEP) form | <ul><li>Will be sent to the end user (based on your communication preferences)</li><li>Must be signed and dated</li></ul> |

## Homeowners associations {#homeowners-associations}

### Legal forms {#homeowner-association-types}
The following table describes the legal forms typically found for associations and homeowner associations registered in France.
| Legal form (French) | Description |
|---|---|
| Association à responsabilité limitée | Limited liability association |
| Société civile | Civil society |
| Syndicat de propriétaires | Homeowners' union |


### Accepted documents {#homeowner-association-documents}
The following table lists the accepted proof of registration documents for homeowners associations in France.
:::info Document request and proof of transfer
*Documents marked with an asterisk are mandatory. All other documents may be requested on a case-by-case basis.
:::

| Document type (French) | Description | Details |
|---|---|---|
| Preuve d'enregistrement* | Proof of Registration* | <ul><li>Official document</li><li>Dated within the last 3 months</li></ul> |
| Pièce d'identité du représentant légal ou le président* | Identity document of the legal representative or the president* | <ul><li>Valid identity document accepted</li><li>Used to verify authority</li></ul> |
| Procès verbal* | Latest meeting minutes* | <ul><li>Must be the latest available</li></ul> |
| Statuts de l'association* | Articles of Association* | <ul><li>Dated and signed</li></ul> |
| Procuration signée par le représentant légal et Pièce d'identité du représentant légal | Power of Attorney (POA) and the identity document of the legal representative | <br /><br /><ul><li>POA must be dated (within the last year) and signed</li><li>Identity document of the legal representative if they are not the account holder</li><li>Must be submitted in color</li><li>Both sides of the document must be submitted (if applicable)</li></ul> |
| Premier transfert | First transfer | <ul><li>Required if proof of registration isn't available</li></ul> |
| Pièces d'identité des bénéficiaires effectifs | Identity documents of Ultimate Beneficial Owners (UBOs) | <ul><li>All valid identity documents are accepted</li></ul> |
| Procès verbal de nomination des élus | Minutes of appointment of elected officials | <ul><li>Internal company document</li><li>Must be signed</li></ul> |
| Justificatif de l'adresse de la société | Proof of company address | <ul><li>Must be dated within the last 3 months</li></ul> |
| Avis d'imposition de l'entreprise | Company's tax return | <ul><li>Most recent tax return</li></ul> |
| Formulaire Personne Politiquement Exposée (PPE) | Politically Exposed Person (PEP) form | <ul><li>Will be sent to the end user</li><li>Must be signed and dated</li></ul> |

*Acronyms:
- **Kbis**: business certificate issued by the *Greffe du Tribunal de Commerce* that serves as a company's ID card
- **UBO**: Ultimate Beneficial Owner
- **INSEE**: Institut national de la statistique et des études économiques
- *(English: French National Institute of Statistics and Economic Studies)*
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