What Thémis Banque does

Thémis Banque is a French specialized bank, wholly-owned by Banque FIDUCIAL and headquartered in Courbevoie, France. Founded in 2002 after spinning off from a traditional bank department, the institution operates with 100% of its activity dedicated to businesses facing financial difficulty. It serves French companies in both preventive procedures (mandate ad hoc, conciliation) and collective procedures (safeguard, judicial rehabilitation, judicial liquidation), addressing a market segment excluded from traditional banking where the existing bank typically holds a creditor position.

The bank's product portfolio spans three integrated pillars: (1) account services including rapid and remote account opening with electronic signature capabilities via the proprietary PFF (Plateforme Flux) platform; (2) cash flow and payment management through SEPA, SWIFTNET, and EBICS (T and TS) protocols; and (3) specialized financing products including Dailly law invoice assignments, MCNE foreign receivables financing, commercial discount, documentary credit, treasury credit, inventory advances, and bank guarantees. Investment services are provided under the MIF directive, primarily distributed through Crédit Agricole Group entities.

Thémis Banque generates revenue through account management fees, monthly subscriptions for interactive internet banking (Espace Abonné), transaction-based fees on financing products, and investment product distribution. Distribution is purely direct, combining a national field network of 14+ regional delegates covering all major French regions with phone, email, and self-serve digital channels. The bank holds ACPR credit institution authorization and AMF investment services registration, and operates as a regulated entity under articles L.511-1 et seq. of the French Monetary and Financial Code.

Name

Thémis Banque

Legal name

Banque FIDUCIAL

Website

https://themisbanque.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Thémis Banque is a French specialized bank, wholly-owned by Banque FIDUCIAL, dedicated 100% to businesses in financial difficulty. It provides rapid account opening, digital banking, and specialized financing (Dailly, documentary credit, treasury credit) for companies undergoing preventive or collective turnaround procedures in France.

Ownership category

akta.pro rank

Headquarters

HQ city

Courbevoie

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Banking services and account management: Monthly subscription for interactive internet banking service (Espace Abonné). Account management fees charged to business clients under general banking terms.
2. Financing products: Revenue generated from financing products including Dailly law assignments (invoice-based financing), MCNE (foreign receivables financing), commercial discounts, treasury credits, inventory advances, and documentary credits for import/export. The bank advances funds against receivables, generating interest income and fees.
3. Investment services: Thémis Banque provides investment services under MIF directive, dealing in financial instruments including OPCVM, shares, bonds, negotiable debt securities, and hedging instruments. Revenue derived from order execution and investment product distribution, primarily through Crédit Agricole group entities.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Thémis Banque is a specialized French credit institution wholly dedicated to businesses in financial difficulty, operating as a 100% subsidiary of Banque FIDUCIAL. It delivers rapid account opening, remote banking via the PFF platform with electronic signature, a full suite of specialized financing products (Dailly law cessions, MCNE, commercial discount, documentary credit, treasury credit, inventory advance, bank guarantees), and expert support across French preventive and collective procedures (mandat ad hoc, conciliation, safeguard, judicial reorganization, judicial liquidation). Its offering targets enterprises that are often excluded from mainstream banking because their existing banks sit in creditor positions.

Product overview

Thémis Banque operates as a specialized bank exclusively dedicated to businesses in difficulty and turnaround situations. The offering consists of a core banking platform with three integrated service pillars: (1) Account services including rapid account opening and digital banking via the PFF Platform with electronic signature capabilities; (2) Cash flow and payment management featuring SEPA, SWIFTNET, and EBICS protocols; and (3) Specialized financing products including Dailly Law invoice factoring, MCNE foreign receivables, commercial discount, documentary credit, treasury credit, inventory advances, and bank guarantees. The bank also provides expert guidance through preventive procedures (ad hoc mandate, conciliation) and collective proceedings (safeguard plans, continuation plans, judicial recovery, judicial liquidation).

Differentiator

Problem solved

Functional benefit

Products and services

• Account Opening Service (Ouverture de compte) Rapid account opening for businesses in difficulty, available in-person or remotely (by phone or email), with payment tools made available from the first meeting with management and electronic-signature setup for secure wire-transfer processing. Targeted at French enterprises entering preventive or collective procedures that have been cut off from their incumbent bank.
• Plateforme Flux (PFF) — Cash and Payment Management Platform Web-based platform that digitises and secures the entry of transfers, international payments, SEPA direct debits and LCR/BOR submissions, eliminating paper exchange and handwritten signatures via electronic signature authenticated by a software security certificate. Designed for business clients and judicial administrators needing rapid, paperless payment authorisation.
• Dailly Law Financing (Cession Dailly) Invoice-factoring service under the Dailly law whereby a business cedes its trade receivables to the bank for immediate cash upon invoice issuance, generating working-capital liquidity for distressed companies awaiting customer payments.
• MCNE (Foreign Receivables Mobilization) Financing of foreign receivables (Mobilisation de Créances Non-Échues sur l'Étranger) that lets businesses monetise not-yet-due invoices owed by foreign buyers, using international subrogation rights to provide liquidity against variable international payment terms.
• Commercial Discount (Escompte commercial) Short-term classical discount financing that lets a business receive payment for commercial bills before maturity by ceding the paper to the bank.
• Documentary Credit (Crédit documentaire, UCP 600) Letter-of-credit payment and guarantee instrument for import and export transactions, governed by ICC UCP 600, providing payment security to both importers and exporters engaged in international trade.
• Treasury Credit (Crédit trésorerie) Short-term credit facility providing temporary working capital to businesses whose receivables have not yet been collected, helping bridge cash-flow gaps.
• Inventory Advance (Avance sur stock) Stock-backed financing with the inventory pledged to the bank as collateral, providing working-capital liquidity for businesses whose stock is their main short-term asset.
• Bank Guarantee (Caution bancaire) Off-balance-sheet guarantee commitments under which Thémis Banque guarantees payment on behalf of the client to a third party in case of the principal debtor's default.
• Support for Preventive Procedures (Mandat ad hoc / Conciliation) Banking and financing support for companies in French preventive procedures: confidential amicable Mandat ad hoc (appointment of a mandataire to facilitate dialogue with creditors) and court-supervised Conciliation (a conciliator facilitating agreement with principal creditors within a 5-month maximum).
• Support for Collective Procedures (Safeguard, Continuation, Judicial Reorganization, Judicial Liquidation) Banking and financing accompaniment for businesses in French collective proceedings — safeguard procedure, accelerated financial safeguard, plan de sauvegarde, plan de continuation, redressement judiciaire and liquidation judiciaire — providing account services, cash management and court-approved financing through every stage of the procedure.
• Investment Services (MIF II) Investment-services offering under the Markets in Financial Instruments directive (MIF II) for business clients, dealing in financial instruments (UCITS/OPCVM funds, shares, bonds, negotiable debt securities, hedging instruments) and order execution, with instruments primarily sourced through Crédit Agricole group entities (including LCL SICAV and FCP treasury funds).
• Cash Concentration Services (Centralisation des recettes) Solutions for rapid and secure deposit and centralisation of cheques and cash, including collection by courier, deposit at approved network points, and postal cheque remittance for clients needing consolidated treasury management.

Quantifiable outcome

• Account opening and provision of payment means available immediately from the first meeting with the business leader

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Université de Nice — Master ALED (Administration et Liquidation des Entreprises en Difficulté)minorOthers · 1 January 2015Thémis Banque is a partner of the Master ALED (Administration and Liquidation of Businesses in Difficulty) offered by the University of Nice. The program was created by the Macron Law of 6 August 2015. Thémis Banque supports academic training of future turnaround professionals.
• 60 000 RebondsminorOthersAssociation 60 000 rebonds is a volunteer-based 'competence center' that supports entrepreneurs post-bankruptcy to rebound faster and better. The association also positions itself as a permanent laboratory for post-failure rebound, aiming to evolve the perception of failure in France. Thémis Banque partners with this organization to support the broader ecosystem of business turnaround.
• AARO (Association des Acteurs du Retournement de l'Ouest)minorOthersFounded in 2016, AARO groups together professionals of business turnaround in the Grand Ouest (Western France) region. Its objectives include promoting turnaround professionals, facilitating connections between investors and lenders in the region, and fostering best practices in the sector.
• ARE (Association pour le Retournement des Entreprises)minorOthersThe Association for Business Turnaround brings together all professionals regularly involved in turnaround operations, refinancing, or restructuring: lawyers, accountants, advisors, ad hoc agents, bankers, investment funds, crisis managers, etc.
• IFPPC (Institut Français des Praticiens des Procédures Collectives)minorOthersThe French Institute of Practitioners of Collective Procedures is an association gathering over 600 practitioners of collective procedures, with the exclusive feature of grouping together judicial agents, trainees preparing for the professional examination, and specialists from the worlds of law, finance, or expertise.
• Université de Lyon — Master Restructuration et Traitement des Entreprises en Difficulté (accrédité ALED)minorOthersThémis Banque is a partner of the Master Restructuring and Treatment of Businesses in Difficulty (accredited ALED) at a Lyon university. The program trains professionals for restructuring roles at high levels of responsibility, offering solid training in two complementary fields: business difficulty law and corporate finance. Graduates are prepared for positions with judicial administrators and mandatories, specialized law firms, audit or financial advisory firms, and banks.
• Prévention & RetournementminorOthersPrévention & Retournement is an association bringing together professionals who support businesses in difficulty and complex situations: judicial administrators, lawyers, financial advisors, specialized bankers, HR consultants, and transition managers. Thémis Banque participates as a specialized banker member of this ecosystem.
• Crédit Agricole Group EntitiescoreTechnology or IntegrationThémis Banque primarily offers financial products managed by entities of the Crédit Agricole Group through its network. The bank operates as part of the larger Fiducial/Fiducial Banque group and follows Crédit Agricole group investment product policies and execution protocols. The bank also uses LCL-accessible SICAV and FCP treasury fund ranges for investment services.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Natixis: French corporate and investment bank within Groupe BPCE, providing financing, capital markets, and asset management to mid-cap and large corporates. Overlaps with Thémis on corporate credit and structured financing, but serves a broader client base including investment-grade names.
• Crédit Agricole: One of France's largest retail and corporate banking groups, with significant restructuring, corporate recovery, and SME-banking capabilities. Overlaps with Thémis through broad product range and nationwide presence, but as a diversified incumbent rather than a distressed-business specialist.
• BNP Paribas: France's largest bank, with deep corporate banking, restructuring advisory, factoring (BNP Paribas Factor), and special-situations financing across multiple geographies. Comparable in product breadth, but at vastly greater scale and with a global franchise.
• Société Générale: Major French bank with corporate banking, restructuring, factoring, and specialized financing franchises (e.g., SG Factoring). Comparable in product capabilities, particularly on the receivables-financing side, but operating at global scale rather than a specialized niche.

Direct peers

• BPI France: France's public investment bank providing financing, guarantees, and turnaround support to French businesses, including those in difficulty. Directly comparable in serving the same distressed-business segment, though with a broader development-banking mandate and public-sector ownership.
• Coface: French credit insurance, factoring, and information-services company serving businesses, with explicit expertise in credit-risk assessment and receivables management. Comparable in product set (factoring, trade-credit, guarantees) and in serving businesses whose creditworthiness requires specialized underwriting.
• Banque Palatine: French commercial bank specialized in serving SMEs, mid-cap companies, and private banking clients with bespoke financing solutions. Closely comparable as a similarly-sized, French-focused specialized bank offering tailored business banking and credit services.

Others

• Alvarez & Marsal: Global professional services firm specializing in turnaround, restructuring, and performance improvement, with a strong European practice. Comparable as a key restructuring ecosystem participant often working alongside Thémis on distressed mandates, but as an advisory firm rather than a bank.
• Rothschild & Co: Global financial advisory group with a leading European restructuring practice serving distressed businesses, creditors, and investors. Comparable as an ecosystem participant in French turnarounds, but as an advisor rather than a balance-sheet provider.

Emerging players

• Tikehau Capital: French alternative asset manager with private debt, special-situations, and direct-lending strategies increasingly focused on European mid-cap restructuring. Comparable as a French-headquartered capital provider to distressed and special-situations borrowers, but operating via funds rather than a licensed bank balance sheet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/banque-themis

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

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 Thémis Banque