ANYTIME
- Company typePrivate
- Founded2014
- HeadquartersBrussels, Belgium
- Headcount11–50
- GTM typeB2B
- OfferingServices
ANYTIME firmographics
Firmographics- Name
- ANYTIME
- Legal name
- Anytime Solutions
- Website
- https://anyti.me
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
ANYTIME industry classification
Industry- Product category
- Business Banking and Payment Services
- NAICS
- Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)
- SIC
- Finance Services (6199), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
- akta.pro secondary industries
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Recurring Billing & AutoPay Management (FSAMAJAE), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
Keywords
Where ANYTIME is headquartered
LocationHeadquarters
- HQ city
- Brussels
- HQ country
- Belgium
- HQ region
- Europe
Offices2 records
Markets served
ANYTIME business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- Subscription fees — Core account plans: Recurring monthly or annual subscription fees across five tiers (Start/Easy/Boost/Business/Corporate), generating predictable recurring revenue. Annual billing provides a ~30% discount vs monthly, incentivising longer commitments and improving cash-flow predictability.
- Additional card fees: Optional additional physical Mastercard cards beyond the plan allowance are charged at a flat monthly rate per card (e.g., €5/month per extra card). Revenue scales with team size and card count.
- Payment processing / Terminal fees: Tap-to-Pay and payment terminal services provided via Smile&Pay partnership; revenue sharing or per-transaction fees contribute to income on card payment acceptance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Start — entry-level for independents and micro-enterprises |
| Subscription | Monthly | Easy — mid-tier for professionals and associations |
| Subscription | Monthly | Boost — for SMEs and startups |
| Subscription | Monthly | Business — for 2–10 person companies and associations |
| Subscription | Monthly | Corporate — for 10–250 employee companies |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
ANYTIME product offering
Product offeringCore offering
Anytime provides a digital professional account with a French IBAN and Mastercard business cards, complemented by an integrated expense management platform, accounting tools (invoicing, VAT calculation, certified digital archiving), sub-account budgeting, and payment acceptance terminals. The service is targeted at independents, SMEs, startups, associations, and medico-social establishments in France and Belgium.
Product overview
Anytime is a digital professional account platform (établissement de paiement/payment institution, not a bank) operated by Anytime Solutions, a subsidiary of Groupe Crédit Coopératif. The core offering centers on the Compte Professionnel providing a French IBAN and debit Mastercard cards, complemented by the Plateforme de Gestion des Cartes for multi-card fleet management. Value-added modules include Comptabilité (invoicing, VAT calculation, accounting exports with certified digital archiving) and Notes de Frais (expense reporting with receipt reconciliation). Additional services encompass payment terminals via Smile&Pay partnership, cash fraud prevention solutions with configurable cards, and sub-account budget management. The platform targets independent professionals, SMEs, startups, associations, and the medico-social sector, with tiered pricing from Start (€9.50/month) to Business/Corporate plans.
Differentiator
Problem solved
Functional benefit
Products and services
- Compte Professionnel (Professional Account) A professional account providing a French IBAN for SEPA transfers, direct debits, and payment services. Anytime operates as a payment institution (établissement de paiement), offering banking-like services including real-time expense tracking, multi-currency transactions, and sub-account management for budget organization, targeted at independents, SMEs, associations, and medico-social establishments.
- Cartes Mastercard Business Three tiers of debit Mastercard business cards: Classic (standard, included in all plans), Silver (higher limits, 0.90% foreign exchange fee), and Revolution (no foreign exchange fees, premium tier). All cards feature configurable spending limits, real-time blocking, 3D Secure authentication, and instant notifications.
- Plateforme de Gestion des Cartes (Card Management Platform)
Quantifiable outcome
- 100,000+ users served across France and Belgium
- +3 more outcomes
Companies that use ANYTIME
Customer profileNamed customers13 records
Segments5 records
Ideal customer profiles5 records
ANYTIME technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
ANYTIME partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Groupe Crédit CoopératifcoreAnytime is a digital subsidiary and commercial brand of Groupe Crédit Coopératif, a French cooperative banking group. Crédit Coopératif provides institutional backing, regulatory standing, and customer referral pipelines, while Anytime operates with digital agility under the parent group's umbrella. The relationship is described as a subsidiary structure — Anytime Solutions SAS exploits the Anytime commercial brand under Crédit Coopératif's umbrella.
- Treezor SAScoreTreezor SAS is the licensed payment services provider (prestataire de services de paiement) through which Anytime delivers its payment account services. Anytime operates as an agent of Treezor, leveraging its payment infrastructure and regulatory authorisation to issue IBAN accounts and process payments under European payment regulations.
- HappypalminorHappypal, a CSE (staff benefits committee) platform, actively refers its clients to Anytime for professional account solutions. CEO Rim Zerhouni states they recommend Anytime to CSE clients needing a turnkey professional account.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
ANYTIME competitors and assessment
Company assessmentDirect peers
- Shine: French fintech providing business accounts and banking services to freelancers, independents, and small businesses. Now owned by Société Générale, directly competing with Anytime's independents and micro-entrepreneur segment.
- Pennylane: French financial management platform combining accounting, invoicing, and banking features for SMEs and accountants. Directly competes with Anytime's integrated accounting and invoicing capabilities.
- Pleo: European corporate cards and expense management platform serving SMBs across multiple countries. Comparable business model with subscription tiers, Mastercard-issued cards, and expense automation features.
- Qonto: French SME business banking platform offering IBAN accounts, Mastercard cards, expense management, and accounting integration. Most direct competitor in the French professional/SME banking segment with similar subscription pricing model.
- Spendesk: European expense management and corporate cards platform for SMBs and mid-market companies. Directly overlaps with Anytime's expense management and corporate card offerings, though Spendesk focuses more on SaaS spend management.
- Manager.one: French mobile-first professional banking platform targeting independents and small businesses. Comparable subscription pricing model and target customer segments in the French market.
Emerging players
- Agicap: French treasury and cash flow management platform for SMBs. Comparable French SMB focus with financial management tooling, though specializing in cash flow forecasting rather than banking.
- Indy: French accounting automation platform with integrated bank account features. Overlaps with Anytime's accounting and invoicing capabilities for the independents and micro-business segment.
- Finom: European digital banking platform serving freelancers, SMBs, and entrepreneurs across multiple countries. Comparable business account and expense management offerings with European expansion focus.
Regional players
- Kontist: German freelancer and self-employed banking platform with integrated tax provisioning. Comparable professional account model focused on tax-optimized banking, though primarily serving the German market rather than France.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
ANYTIME social profiles
Digital presenceANYTIME financial estimates
Financial estimateRevenue estimate
Valuation estimate
ANYTIME leadership team
Management profileNumber of profiles
Profiles2 records
ANYTIME funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ANYTIME M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ANYTIME
What does ANYTIME do?
Anytime provides a digital professional account with a French IBAN and Mastercard business cards, complemented by an integrated expense management platform, accounting tools (invoicing, VAT calculation, certified digital archiving), sub-account budgeting, and payment acceptance terminals. The service is targeted at independents, SMEs, startups, associations, and medico-social establishments in France and Belgium.
Is ANYTIME a public or private company?
ANYTIME is a private company. It is classified as corporate owned and is currently operating.
When was ANYTIME founded?
ANYTIME was founded in 2014. It employs 11 to 50 people.
Where is ANYTIME based?
ANYTIME is headquartered in Brussels, Belgium, in the Europe region.
How does ANYTIME make money?
Three revenue lines are on record. Subscription fees — Core account plans are the primary driver. The others are additional card fees and payment processing / Terminal fees.
Who are ANYTIME's main competitors?
Direct peers on record are Shine, Pennylane, Pleo, Qonto, Spendesk and Manager.one. Emerging players are Agicap, Indy and Finom. Kontist is listed as a regional player.
Does ANYTIME have an API?
No public API is recorded for ANYTIME.
What industry is ANYTIME in?
ANYTIME's product category is Business Banking and Payment Services. Its primary akta.pro industry code is BPAMAFAF, Bill Pay, Invoicing & Payables Platforms, with a secondary code of FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services. Its NAICS code is 54121 and its SIC code is 6199.