What Kolecto does

Kolecto is a Paris-based SaaS company that provides financial and administrative management software for French very small and small enterprises (TPE/PME), micro-businesses, and independent professionals. Its platform centralizes invoice management (purchases and sales), automates pre-accounting workflows, aggregates multiple bank accounts in real time via a PSD2 integration with Bridge (Perspecteev), schedules and initiates SEPA payments, validates supplier IBANs to prevent payment fraud, and includes a certified Plateforme de Dématérialisation Partenaire (PDP, DGFiP immatriculation 0039) for compliance with the French e-invoicing reform. Additional capabilities include OCR-driven invoice capture, intelligent document classification with duplicate detection, automated invoice reminders, electronic signature via Yousign, and connectivity to 750+ accounting, billing, and banking tools.

Kolecto serves a horizontal SME base spanning bakers, farmers, masons, liberal healthcare professionals, artisans, and accounting experts, with pricing tiered by business size from free Creator and Auto-entrepreneur plans up to €99/month for PME, supplemented by module add-ons (purchase, sales, multi-company, IBAN packs, e-signature, simplified payment) priced at €5-30/month per module. The go-to-market combines self-serve product-led growth with a 15-day free trial, a bank channel partnership with Crédit Agricole (100% affiliation, offering 10-25% preferential pricing across tiers) and LCL, an expert-comptable referral program, and accountant-led indirect distribution. Neila Choukri serves as Directrice Générale; the company is structured as a SAS with €30,000 share capital and no disclosed external funding rounds.

Name

Kolecto

Legal name

Kolecto

Website

https://kolecto.fr

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Short description

Kolecto is a Paris-based SaaS platform that provides invoice management, multi-bank aggregation, pre-accounting automation, and certified e-invoicing for French SMEs, micro-businesses, and independent professionals, distributed via Crédit Agricole and LCL banking partnerships.

Ownership category

akta.pro rank

Product category

SME Financial Management Software

NAICS

Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Biller Direct EBPP Platforms (FSAMAJAA)

Keywords

• SME financial management
• E-invoicing platform
• Pre-accounting software
• Treasury management
• Invoice automation

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription (Essential Module): Core subscription model providing essential invoice management, bank connection, and document classification features. Tiered by business size (Creator, Auto-entrepreneur, Independent, TPE, PME) with monthly or annual billing. Annual commitment offers 10% discount.
2. Supplementary Module Add-ons: Additional paid modules for advanced features: Purchase Management (€10-30/month), Sales Management (€10-30/month), Multi-company Management (from €5-15/month per entity), IBAN Verification packs, Electronic Signature packs, Simplified Payment packs.
3. Partner-Priced Subscriptions: Preferential pricing for Crédit Agricole and LCL professional banking clients, with discounted rates on all tiers and promotional free periods (e.g., 4 months free for Independent/Artisan tier for CA regional sponsors).
4. Banking Transaction Fees: Integrated payment services via Bridge (Perspecteev) including account information and payment initiation services, provided as part of subscription without separate fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Kolecto sells a cloud-based SaaS platform that helps French very small and small businesses (TPE/PME) centralize purchase and sales invoicing, manage multi-bank treasury in real time via PSD2 aggregation, automate pre-accounting, and comply with the French e-invoicing reform through a DGFiP-certified Plateforme de Dématérialisation Partenaire. The offering is delivered through tiered monthly subscriptions (Creator free, Auto-entrepreneur free, Independent €12, TPE €39, PME €99), with optional paid add-on modules and discounted partner pricing for Crédit Agricole and LCL clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Kolecto Essential Module Core SaaS subscription providing centralized invoice management (purchases and sales), bank account aggregation and cash flow visibility, document classification with intelligent filing, pre-accounting automation, and the DGFiP-certified Plateforme Agréée for e-invoicing compliance. Available across all subscription tiers with limits that scale by business size (Creator 150 invoices/year, Auto-entrepreneur basic, Independent 1-3 employees, TPE 5 users / 200 invoices/year, PME 10 users / 300 invoices/year). For French very small and small enterprises (TPE/PME), self-employed professionals, artisans, and auto-entrepreneurs.
• Kolecto Plateforme Agréée (Certified PDP for e-invoicing) DGFiP-certified Plateforme de Dématérialisation Partenaire (immatriculation 0039) for issuing, receiving, and archiving electronic invoices in compliance with the French e-invoicing reform. Included in all Kolecto subscription tiers at no additional cost. For all French businesses required to comply with mandatory e-invoicing obligations.
• Kolecto Purchase Management Add-on Module Optional paid add-on module (€10-€30/month depending on tier) for centralizing, automating, and securing supplier invoice and expense management, including OCR-based invoice capture, IBAN verification, and supplier master data management. For French TPE/PME buyers and their accountants.
• Kolecto Sales Management Add-on Module Optional paid add-on module (€10-€30/month depending on tier) for creating, sending, and tracking customer invoices, accelerating collections, reducing unpaid invoices through automated reminders, and integrating electronic signature (Yousign) for quotes. For French TPE/PME sellers and service providers.
• Kolecto Multi-Company Management Add-on Module Optional paid add-on module (from €5-€15/month per entity) for managing multiple legal entities within a single Kolecto workspace, enabling consolidated treasury visibility and centralized invoice processing across group structures. For French TPE/PME operating multiple entities and their accountants.

Quantifiable outcome

• Saves 5 hours per week per user
• +4 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability2 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• LCL Banque & AssurancecoreChannel Partner/ Reseller/ DistributorStrategic banking partnership offering preferential Kolecto pricing to LCL professional banking clients. Co-branded landing pages and dedicated registration links on lcl.fr professional banking section.
• DGFiP (Direction Générale des Finances Publiques)coreOthersGovernment regulatory body that granted Kolecto official Plateforme de Dématérialisation Partenaire (PDP) certification (immatriculation 0039) for e-invoicing services, required for mandatory French e-invoicing compliance.
• FNFE (Forum National de la Facturation Électronique)minorOthersMember of the French National E-invoicing Forum, demonstrating commitment to e-invoicing standards and regulatory compliance in France.
• Perspecteev (Bridge)coreTechnology or IntegrationPSD2-enabled payment service provider offering bank account aggregation (account information service) and payment initiation services via Bridge API. Enables Kolecto to aggregate multiple bank accounts and initiate SEPA payments directly from the platform. Licensed by ACPR under number 16918.
• SagecoreTechnology or IntegrationIntegration partnership with Sage accounting software, one of the major French accounting software providers, enabling data synchronization between Kolecto and Sage for seamless accounting workflows.
• CegidcoreTechnology or IntegrationIntegration partnership with Cegid accounting software, enabling bidirectional data exchange for invoice and accounting data synchronization.
• PennylanecoreTechnology or IntegrationIntegration partnership with Pennylane cloud accounting platform, facilitating seamless data flow between Kolecto's financial management and Pennylane's accounting features.
• Amazon Web Services (AWS)coreOthersCloud infrastructure provider hosting Kolecto application and data on French servers (Paris region) via AWS Emea SARL, ensuring GDPR-compliant data storage within EU territory.
• WebflowminorOthersWebsite hosting platform used for Kolecto's public website (kolecto.fr), with servers located in San Francisco, USA.
• Chorus ProminorOthersFrench government e-invoicing portal integration allowing Kolecto users to submit invoices to public sector entities through the Chorus Pro platform.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Cegid: Cegid is a major French enterprise and SME management software provider with strong accounting and ERP capabilities. It is a broad incumbent competitor in the French SME financial management market and is also a Kolecto integration partner.
• Odoo: Odoo is a global open-source ERP platform with invoicing, accounting, and SME management modules widely adopted in France. It is a broad incumbent competing across Kolecto's feature set and is also a listed Kolecto integration partner.
• Sage: Sage is a global, established accounting and ERP software provider with deep presence in France. Sage competes broadly in the SME accounting space and is also listed as a Kolecto integration partner, reflecting both overlap and ecosystem coexistence.
• QuickBooks (Intuit): QuickBooks is Intuit's global SME accounting and invoicing platform with a French offering. It is a broad incumbent in the SME accounting software category and is also listed as a Kolecto integration partner, reflecting both competition and ecosystem overlap.

Direct peers

• Pennylane: Pennylane is a French cloud accounting and financial management platform serving TPE/PME with invoicing, pre-accounting, and accountant collaboration. It is one of Kolecto's closest direct competitors in the French SME SaaS accounting category and is also listed as a Kolecto integration partner.
• Axonaut: Axonaut is a French all-in-one SaaS management suite for TPE/PME covering invoicing, expense tracking, CRM, and accounting. It directly competes with Kolecto's multi-feature SME financial management offering and is also a listed integration partner.
• Qonto: Qonto is a French business banking and financial management platform for SMEs and freelancers, offering invoicing, expense management, and accounting integration. It competes with Kolecto in the French SME banking-adjacent financial management space.
• Indy: Indy is a French fintech providing automated accounting, invoicing, and tax filing for auto-entrepreneurs and small businesses. It directly competes with Kolecto in the auto-entrepreneur and micro-enterprise segments that make up a significant share of Kolecto's user base.
• Tiime (formerly Dougs): Tiime is a French fintech offering accounting, invoicing, and financial management tools for SMEs and their accountants. It is a direct competitor to Kolecto in the French SME pre-accounting and invoicing segment.
• Evoliz: Evoliz is a French SaaS invoicing and financial management platform targeting TPE/PME with online invoicing, expense tracking, and accounting features. It is also a listed Kolecto integration partner and a direct competitor in the French SMB invoicing market.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KolectoTech
• Facebookfacebook.com/100090279311431
• LinkedInlinkedin.com/company/kolecto

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Kolecto