Libeo

What Libeo does

Libeo is a French fintech, founded in 2019 and headquartered in Vincennes (Paris), that operates an AI-powered spend management and accounts payable (AP) automation platform covering the full purchase cycle for French SMEs, multi-establishment organizations, and franchise networks. The platform is built around the end-to-end flow from purchase request and approval workflows (Circuits de validation), through AI-driven accounting automation (Libeo AI — OCR-based invoice capture, automatic categorization, accounting entry preparation, duplicate and anomaly detection), to supplier payment (instant and scheduled, executed via a built-in payment account powered by Swan), physical and virtual payment cards, multi-entity consolidation, electronic invoicing compliant with the French 2026 reform (Factur-X, UBL, CII via the Docaposte SÉRÈS Plateforme Agréée), document management (GED), and real-time treasury dashboards. The product integrates with 150+ accounting tools (Cegid Loop, Sage 100, Pennylane, Odoo, Quadratus, EBP, MyUnisoft, Inqom, ACD) and 5,000+ banks across Europe. The company is regulated as a COBSP/MOBSP (ORIAS 220 063 49) and serves more than 2,500 finance teams, with €4 billion+ in supplier payment flows processed in 2025 and named customers including BA Group, Electra, Côté Sushi, Cabinet Expert Innov, and franchise networks such as Burger King, McDonald's, KFC, Accor, Campanile, and Carrefour City/Market.

Libeo monetizes through a tiered SaaS subscription for platform access (specific pricing not publicly disclosed, quote-based sales motion via the 'Demander une démo' funnel) and transaction-related revenue from payment processing and payment card activity, with the underlying banking infrastructure provided by Swan. The company was founded in 2019, raised approximately $30.8 million across three rounds (2019 seed, 2020 Series 1, 2021 $24.3M Series A led by BREEGA with DST Global, LocalGlobe, Roosh Ventures, and Serena), and acquired TrackPay in July 2021 to extend payment and collection capabilities. The go-to-market combines a direct digital sales motion with a deep channel ecosystem — 300+ expert-comptable (accounting firm) partners, distribution relationships with La Poste, BNP Paribas, and Forvis-Mazars, and franchise network reference customers that propagate adoption across their multi-establishment footprints. Leadership comprises co-founders Pierre Dutaret (CEO), Jeremy Attuil (COO), and Pierre-Antoine Glandier (CPO/CTO), with Pierre Jeannel leading growth and partnerships, supported by an 11–50 person organization.

Name

Libeo

Legal name

Libeo, société par actions simplifiée

Website

https://libeo.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Libeo is a French fintech (founded 2019) operating an AI-powered purchase cycle and accounts payable automation platform serving 2,500+ finance teams across French SMEs, multi-establishment groups, and franchise networks, with €4B+ in supplier flows processed and 2026 e-invoicing compliance via the Docaposte SÉRÈS partnership.

Ownership category

akta.pro rank

Product category

Spend Management Software

NAICS

Software Publishers (513210), Software Publishers (51321)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Accounts Payable (Invoice Processing, 2/3-Way Match, Vendor Payments) (BPAAAGAA)

akta.pro secondary industry

Cloud FinOps & SaaS Spend Management (BPAEAOAH)

Keywords

• Accounts payable automation
• Spend management software
• Purchase cycle management
• Electronic invoicing software
• Supplier payment processing

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription — Platform Access: Libeo operates on a SaaS subscription model, charging businesses for access to its AI-powered purchase management and AP automation platform. Pricing is tiered (implied by the existence of a dedicated Tarifs page) and is likely per-seat or per-entity, though specific price points are not publicly disclosed on the website.
2. Payment Processing — Supplier Payments: Revenue is generated from payment processing on supplier payments. The platform facilitates bank transfers (instant, scheduled) and card payments, with a stated 'sans frais' (no fee) policy for standard payments, though the help center indicates card payments are a distinct service. The underlying payment infrastructure is provided by Swan (banking as a service), with whom Libeo shares a commercial relationship.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Core offering

Libeo is an AI-powered purchase and expense management SaaS platform that automates the full business purchase cycle for French SMEs and multi-establishment groups, from purchase request and approval workflows to supplier payment and accounting integration. The platform combines AI-driven invoice capture and accounting automation, multi-entity consolidation, budget control, and electronic invoicing compliant with the French 2026 reform, plus a built-in payment infrastructure (instant payment account and physical/virtual payment cards) powered by Swan.

Product overview

Libeo is an AI-powered unified purchase and expense management platform for French SMEs and multi-establishment businesses, serving over 2,500 finance teams. The platform consists of the core Libeo platform (managing the complete purchase cycle from procurement requests to supplier payments) enhanced by Libeo AI intelligent assistants for automation. Key integrated modules include: Circuits de validation (approval workflows), Automatisations comptables (AI-powered accounting automation), Gestion des budgets (budget management), Paiement fournisseur (supplier payment with instant and scheduled options), Cartes de paiement (physical/virtual payment cards), GED (document management), Gestion multi-entité (multi-entity consolidation), Facture électronique (e-invoicing via Docaposte SÉRÈS partnership), and the Compte Libeo instantané (instant payment account). The platform connects to 5,000+ compatible banks and 250+ accounting tools including Cegid Loop, Sage 100, ACD, Inqom, Pennylane, Quadratus, MyUnisoft, and Odoo.

Differentiator

Problem solved

Functional benefit

Products and services

• Libeo Platform Unified AI-powered purchase and expense management SaaS platform covering the entire purchase cycle from need expression to supplier payment validation, with multi-entity consolidation, budget control, accounting automation, and electronic invoicing. Serves over 2,500 finance teams in France.
• Libeo AI AI-powered intelligent assistant platform that optimizes the purchase cycle by automating supplier payments and team expenses. Uses artificial intelligence to capture, categorize, and automatically prepare accounting entries, and detects duplicate invoices, billing anomalies, and spend optimization opportunities.
• Libeo Payment Cards (Cartes de paiement) Physical and virtual business payment cards that enable teams to make purchases independently, with automatic transaction logging, receipt capture, and integration into the purchase cycle for reconciliation and approval.
• Compte Libeo instantané Built-in payment account powered by Swan that enables instant supplier payments (up to 5 minutes delivery), scheduled payments via SEPA direct debit mandate, payment card transactions, and fund withdrawals back to the connected bank account, with automatic IBAN verification for fraud prevention.
• Libeo Electronic Invoicing (Facture électronique) Electronic invoicing solution compliant with the mandatory French 2026 e-invoicing reform. As an Operator of Dematerialization (OD) partnered with the DGFiP-immatriculated Platform Agréée Docaposte SÉRÈS, Libeo handles structured invoice formats (Factur-X, UBL, CII), lifecycle status transmission, and e-reporting.

Quantifiable outcome

• Over 4 billion euros of supplier payment flows processed on the platform in 2025
• +5 more outcomes

Named customers15 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability7 records

Feature7 records

Partnerships

One partnership is on record.

• TrackPaycoreTechnology or Integration · 7 July 2021Libeo acquired TrackPay, a startup specializing in invoice payment tracking for small and medium-sized enterprises. The acquisition was announced on 7 July 2021 and aimed to enhance Libeo's technological capabilities by enabling it to offer a comprehensive payment and collection solution for its network of businesses.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Libeo_io

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Libeo