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French proof of registration updates #305
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<DocumentsIntro country="🇫🇷 France" /> | ||
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| 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 | | ||
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∗ Acronyms: | ||
- **Kbis**: K extract for a business that serves as your 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)* | ||
- **URSSAF**: Unions de recouvrement des cotisations de sécurité sociale et d'allocations familiales | ||
- *(English: Organizations for the Collection of Social Security and Family Benefit Contributions)* | ||
- **EEA**: European Economic Area | ||
- **JOAFE**: Journal officiel des associations et fondations d'entreprises | ||
- *(English: Official Journal of Associations & Corporate Foundations)* | ||
- **ANAH**: Agence Nationale de l'Habitat | ||
- *(English: National Housing Agency)* | ||
### Acronyms | ||
There was a problem hiding this comment. Choose a reason for hiding this commentThe reason will be displayed to describe this comment to others. Learn more. This is great! |
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| Acronym | French description | English description | | ||
|---|---|---| | ||
| **Kbis** | Délivré par le *Greffe du Tribunal de Commerce* | Serves as a company's ID card | | ||
| **INSEE** | Institut national de la statistique et des études économiques | French National Institute of Statistics and Economic Studies | | ||
| **URSSAF** | Unions de recouvrement des cotisations de sécurité sociale et d'allocations familiales | Organizations for the Collection of Social Security and Family Benefit Contributions | | ||
| **JOAFE** | Journal officiel des associations et fondations d'entreprises | Official Journal of Associations & Corporate Foundations | | ||
| **ANAH** | Agence Nationale de l'Habitat | National Housing Agency | | ||
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## Companies {#companies} | ||
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### Legal forms {#company-types} | ||
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| 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 | | ||
| Extrait Kbis* | Company registration certificate* | <ul><li>Official document</li><li>Must be dated within the last 3 months.</li></ul> | | ||
There was a problem hiding this comment. Choose a reason for hiding this commentThe reason will be displayed to describe this comment to others. Learn more. This misplaced. Extrait Kbis* isn't a legal form, and Établissement public à caractère industriel et commercial (EPIC) shouldn't have been deleted. |
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| Syndic de copropriété | Co-ownership management company / property management company (for co-owned buildings) | | ||
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### Accepted documents {#company-documents} | ||
:::info Document request | ||
*Documents marked with an asterisk are mandatory. | ||
All other documents may be requested on a case-by-case basis. | ||
::: | ||
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| Document type (French) | Description | Details | | ||
|---|---|---| | ||
| Extrait Kbis* | Company registration certificate* | <ul><li>Official document</li><li>Must be dated within the last 3 months</li></ul> | | ||
| Déclaration des bénéficiaires effectifs.* | Ultimate Beneficial Owners (UBOs) declaration* | <ul><li>For example:</li><ul><li>Copie intégrale des informations déclarées</li><li>Déclaration Relative au(x) Bénéficiaire(s) Effectif(s) d'une Société</li><li>Document Relatif au Bénéficiaire Effectif</li></ul><li>Must be an official document, dated, signed, and stamped.</li></ul> | | ||
| Statuts de l'association* | Articles of Association* | <ul><li>Must be dated and signed 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 (ID) document of the legal representative | <ul><li>POA must be dated (within the last year) and signed.</li><li>ID document of the legal representative if they are not the account holder</li><li>Must be submitted in color, both sides (if applicable).</li></ul> | | ||
| Pièce d'identité des bénéficiaires effectifs | Identity documents of the UBOs | <ul><li>All valid ID documents are accepted</li><li>Must be submitted in color, both sides (if applicable).</li></ul> | | ||
| Justificatif de domicile des bénéficiaires effectifs | Proofs of address of UBOs | <ul><li>Must be dated within the last 3 months.</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 dated and signed.</li></ul> | | ||
| Etat financiers de l'organisation or Liasse Fiscale | Proof of company income | <ul><li>Must be the most recent.</li></ul> | | ||
| Déclaration sur l'honneur des Bénéficiaires effectifs | Sworn statement | <ul><li>Must be dated and signed within the last 3 months.</li></ul> | | ||
| Organigramme de l'entreprise | Company structure chart | <ul><li>Document must be authentic and the latest version.</li></ul> | | ||
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## Self-employed individuals and freelancers {#self-employed} | ||
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### Legal forms {#self-employed-types} | ||
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| Legal form (French) | Description | | ||
|---|---| | ||
| Entrepreneur individuel | Self-employed | | ||
| Professions libérales | Freelancers | | ||
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### Accepted documents {#self-employed-documents} | ||
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| Document type (French) | Description | Details | | ||
|---|---|---| | ||
| Preuve d'enregistrement* | Proof of registration* | <ul><li>For example:</li><li>Avis de situation INSEE</li><li>L'extrait Kbis</li><li>Synthèse INPI</li><li>Must be dated within the last 3 months.</li></ul> | | ||
There was a problem hiding this comment. Choose a reason for hiding this commentThe reason will be displayed to describe this comment to others. Learn more. Nested bullet points for the examples. |
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| 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 bank 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 URSSAF declaration from the 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>the 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> | | ||
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## Associations {#associations} | ||
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### Legal forms {#association-types} | ||
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| 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 | | ||
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### Accepted documents {#association-documents} | ||
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| 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>Must be dated and signed.</li></ul> | | ||
| Procès verbal* | Latest meeting minutes* | <ul><li>Meeting minutes must be the most recent within the last 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>Must be dated within the last 3 months.</li></ul> | | ||
| Avis d'imposition | Company's tax return | <ul><li>Must be the 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>Must be 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> | | ||
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## Homeowners associations {#homeowners-associations} | ||
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### Legal forms {#homeowner-association-types} | ||
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| Legal form (French) | Description | | ||
|---|---| | ||
| Association à responsabilité limitée | Limited liability association | | ||
| Société civile | Civil society | | ||
| Syndicat de propriétaires | Homeowners' union | | ||
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### Accepted documents {#homeowner-association-documents} | ||
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| Document type (French) | Description | Details | | ||
|---|---|---| | ||
| Preuve d'enregistrement* | Proof of Registration* | <ul><li>Official document</li><li>Must be dated within the last 3 months.</li></ul> | | ||
| Pièce d'identité du représentant légal ou le président* | ID document of the legal representative or the president* | <ul><li>Must be a valid ID document</li><li>It will be used to verify authority</li></ul> | | ||
There was a problem hiding this comment. Choose a reason for hiding this commentThe reason will be displayed to describe this comment to others. Learn more. Either an ID or Identity document should be used to avoid redundancy. |
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| Procès verbal* | Latest meeting minutes* | <ul><li>Must be the most recent.</li></ul> | | ||
| Statuts de l'association* | Articles of Association* | <ul><li>Must be dated and signed.</li></ul> | | ||
| Procuration signée par le représentant légal et Pièce d'identité du représentant légal | Power of Attorney (POA) and the ID document of the legal representative | <ul><li>POA must be dated (within the last year) and signed</li><li>ID document of the legal representative if they are not the account holder</li><li>Must be submitted in color, both sides (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 UBOs | <ul><li>All valid ID documents are accepted.</li></ul> | | ||
There was a problem hiding this comment. Choose a reason for hiding this commentThe reason will be displayed to describe this comment to others. Learn more. First appearance in section - UBO acronym needs to be expanded. |
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| 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>Must be the most recent tax return.</li></ul> | | ||
| Formulaire Personne Politiquement Exposée (PPE) | PEP form | <ul><li>Will be sent to the end user</li><li>Must be dated and signed.</li></ul> | | ||
There was a problem hiding this comment. Choose a reason for hiding this commentThe reason will be displayed to describe this comment to others. Learn more. PEP acronym needs to be explained in case someone is only looking at this section. |
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:::tip Document retrieval | ||
Whenever possible, Swan retrieves required documents independently. | ||
Whenever possible, Swan independently retrieves required documents. If retrieval isn't possible, Swan may request the documents listed on this page to open an account for your company registered in {props.country} | ||
::: | ||
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<span> | ||
<p>If it's not possible for Swan to retrieve a document, the list of documents on this page can be requested to open an account for your company registered in {props.country}.</p> | ||
<p>Documents must have been issued within the last **three months** and be written in the **Latin alphabet**. They must be comprehensive, accurate, and legally compliant.</p> | ||
<p>Documents must be written in the **Latin alphabet**, and must be comprehensive, accurate, and compliant with legal requirements.</p> | ||
</span> |
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Changes that need to be made:
Questions: