FAQ

• What is Finom?

  ​​Finom is a European fintech company founded in the Netherlands in 2019 and built specifically for entrepreneurs and small to medium-sized enterprises. We believe that small businesses are the foundation of the European economy, so our goal is to simplify the lives of those who provide for half of Europe.
  
  We came to bring the technologies of the future to business management processes for entrepreneurs, enabling them to spend their resources where it matters the most: on their businesses and themselves. That’s why we brought together all these different financial services such as accounting, financial management, and a business account into one convenient solution. Early-stage businesses can sign up for an online account within minutes and immediately enjoy all the advantages of our features via our mobile and web apps.
  
  To date, Finom’s customers include over 100,000 freelancers, self-employed, startups, and small to medium-sized companies from all across Europe: France, Germany, the Netherlands, Belgium, Italy, Spain, Poland, and other EEU countries.
• What is Keobiz?

  Keobiz is a reliable French consulting service and Finom’s trusted partner. Since 2012, Keobiz has been a major player in the French business market. Registered with the Order of Chartered Accountants, keobiz expertise extends from consulting for business start-ups to balance sheets. The process of company creation with keobiz includes preparing articles of associations and obtaining the Kbis. The whole process is technological and paperless, so customers experience it most efficiently and simply.
  
  Both keobiz and Finom are dedicated to providing state-of-the-art, technologically advanced, and highly functional solutions to those who drive the economy forward – European entrepreneurs like you.
  
  This collaboration completely shares the values of both companies: by offering top-quality solutions for launching legally secure businesses at an accessible price point, we break the barriers and help entrepreneurs thrive.
• What is LegalPlace?

  Legalplace is a reliable French consulting service and Finom’s trusted partner. Founded in 2015, LegalPlace offers fully digital legal services to bring solutions that will allow entrepreneurs to manage their businesses in a fast and easy way, also for setting up a business, changing its articles of association, and drafting its contracts.
  
  Both LegalPlace and Finom are dedicated to providing state-of-the-art, technologically advanced, and highly functional solutions to those who drive the economy forward – European entrepreneurs like you.
  
  This collaboration completely shares the values of both companies: by offering top-quality solutions for launching legally secure businesses at an accessible price point, we break the barriers and help entrepreneurs thrive.
• What’s special about this collaboration between Finom and partners?

  Finom and partnered incorporation services offer entrepreneurs a comprehensive and lucrative solution for starting their companies from scratch and getting them ready to operate. Starting from professional consulting, a customer is guided by experts through all the essential steps of company formation, which include obtaining a Kbis certificate free of charge, as well as making a Capital Deposit and opening a business account with Finom.
  
  There are just 3 steps to launch a business*:

  1. Fill out the form for business incorporation with a partnered service;
  2. Apply for the Capital Deposit and a business account opening with Finom**;
  3. Get the Kbis certificate ready and complete the business account opening;

  
  *Limited-time offer: all the steps should be completed during the promo period from 01.02.2024 to 31.03.2024
  **Capital Deposit goes together with any yearly Finom subscription plan with a 50% discount on the full amount during the promo period.
• What is a Capital Deposit, and why do I need it?

  To start a company in France, companies must put capital down. When the founding capital is paid, the company receives a capital deposit certificate. You will then bring your certificate to the chamber of commerce, to initiate the registration of your company. The amount you need to deposit depends on your company’s legal status and activity.
• Do I have to deposit my entire share capital?

  No, you don’t have to deposit your entire share capital to set up your company:

  • SARL: partners are required to pay up to at least 20% of their cash contributions at the time of incorporation;
  • SAS: partners are required to pay up to at least half of their cash contributions at the time of incorporation;
  • SA: shareholders are required to pay up to at least half of their cash contributions at the time of incorporation;
  • SNC: modalities related to the partial payment of the capital are fixed in the articles of association.
• Can I make my capital deposit with a fixed and variable capital?

  With Finom, you can only deposit your capital if it’s fixed. Unfortunately, we don’t accept variable share capital.
• What proof of address is accepted?

  Please note that we accept the following documents as proof of address:

  • Utility bill;
  • Most recent income tax return;
  • Rent receipt.

  This document must not be handwritten and contain the following information:

  • Full name;
  • The date of issue, which mustn’t be more than 3 months old;
  • Full address.

  Unpaid bills are not accepted.
• How long does it take to sign my certificate by the notary?

  Upon your funds are received and the documents validated, you will receive the certificate of deposit signed and stamped by our notary within 48 hours.
• How long does it take to get my capital deposit back to my Finom business account?

  Upon opening your Business Account, we will send your new Finom RIB and KBIS to our notary, who will return your share capital within 5 working days.
• Do I get a French IBAN with Finom?

  To provide financial services in France, Finom enjoys all of the benefits of its partnership with the French company Treezor, allowing clients to obtain a French IBAN.
• Is it easy to open a business account with Finom?

  Yes! You can do it all online in under 15 minutes. Just sign up with your email, provide your company details, pass a quick verification, complete the application, and install our app. Once your account is verified (usually in 1-2 business days), you’ll have immediate access to a French IBAN, up to 3% cashback, and all other features.
• Does your support team speak French?

  Of course! Our customer care team speaks all the languages of the countries we cover, like French, German, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won’t be a barrier when you need assistance.