Cerfrance Cotes dArmor

What Cerfrance Cotes dArmor does

Cerfrance Côtes d'Armor is a mutualist chartered accountancy and business advisory association (Association de Gestion et de Comptabilité) founded in 1955 and headquartered in Plérin, in the Brittany region of France. The firm serves approximately 10,300 small and medium-sized businesses through a network of 21-22 local agencies staffed by roughly 580 collaborators, with deep specialization in agricultural clients (dairy, livestock, crop, and maritime professionals) alongside artisans, commerce and services operators, hospitality businesses, liberal professions, and associations. Its service portfolio spans chartered accountancy, HR and payroll (powered by the SILAEXPERT platform), legal and tax advisory, business consulting, digital transformation, and Qualiopi-certified training, with the MyKinexo client portal acting as the primary engagement interface.

The firm's underlying technology stack is pragmatic rather than differentiated: the MyKinexo portal, SILAEXPERT payroll software, electronic invoicing solutions positioned for the September 2026 French mandate, and administrative management tools are operated under ISO 27001 information security certification. There is no disclosed proprietary AI, machine learning, or advanced analytics layer. Revenue mechanics are built on recurring accounting subscriptions, payroll and legal/tax advisory fees, project-based consulting, and training sessions priced at €400-€1,440 per course, with agricultural training partially subsidized through VIVEA funding. The go-to-market is field-led through the local agency footprint, and the firm is governed as a member-owned association registered with the Ordre des Experts-Comptables of Brittany and affiliated with the national Cerfrance cooperative network.

Name

Cerfrance Cotes dArmor

Legal name

Cerfrance Côtes d'Armor

Website

https://cerfrance22.fr

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

51–100 employees

Short description

Cerfrance Côtes d'Armor is a mutualist chartered accountancy and business advisory association serving roughly 10,300 SMB clients across 21-22 local agencies in Brittany, with deep specialization in agriculture, artisans, commerce, and liberal professions.

Ownership category

akta.pro rank

Headquarters

HQ city

Plérin

HQ country

France

HQ region

Europe

Offices21 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Accounting and Bookkeeping Services: Core accounting services including bookkeeping, financial statements, tax returns, and ongoing accounting compliance for businesses and individuals
2. Business Consulting: Strategic consulting, business development advisory, and company creation/transmission services
3. HR and Payroll Services: Social and payroll management, HR consulting, employment contract management, and personnel administration
4. Legal, Tax and Heritage Advisory: Legal and fiscal advice, tax optimization, and wealth/asset management planning
5. Training Services: Professional training courses for employers, employees on topics including HR, legal compliance, digital tools, and environmental regulations. Certified Qualiopi training provider.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Cerfrance Côtes d'Armor is a mutual chartered accountancy association providing accounting, payroll, HR, legal, tax, wealth management, and business consulting services to approximately 10,300 businesses across Côtes d'Armor through 21-22 local agencies. Its core offering is augmented by digital transformation services (electronic invoicing, MyKinexo client portal, SILAEXPERT payroll software, cybersecurity) and Qualiopi-certified professional training delivered by 580 collaborators.

Product overview

Cerfrance Cotes d'Armor is an accounting and business advisory firm operating a multi-module service portfolio. The core offering centers on accounting expertise, HR and payroll services, legal/tax advisory, and business consulting. Digital transformation services include the MyKinexo client portal, electronic invoicing, accounting/invoicing/cash register software, cybersecurity, and administrative management tools. The company also provides sector-specific expertise for agriculture, crafts, commerce, liberal professions, associations, and tourism, along with professional training programs certified Qualiopi. Services are delivered through a network of 21 local agencies serving approximately 10,300 client businesses.

Differentiator

Problem solved

Functional benefit

Brands

• Cerfrance CONNECT: Online client portal offering access to accounting tools including bookkeeping, payroll, quotes, and DSN declarations
• MyKinexo
• Cerfrance

Quantifiable outcome

• Serves 10,300 businesses across all sectors
• +1 more outcomes

Named customers8 records

Segments9 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Ordre des Experts-Comptables de Bretagne (Order of Chartered Accountants of Brittany)coreStrategic or Co-development PartnerCerfrance Cotes d'Armor is registered with and regulated by the Order of Chartered Accountants of Brittany. The company is subject to systematic quality controls instituted since 2012, with a dedicated methodology team ensuring compliance with professional standards and deontological requirements.
• Cerfrance National NetworkcoreStrategic or Co-development PartnerAs a member of the national Cerfrance network, the company benefits from shared resources, methodology, and a collective brand identity. The network is a major player in accounting and business advisory services across France.
• Produit en BretagneminorStrategic or Co-development PartnerCerfrance Cotes d'Armor partners with Produit en Bretagne, a regional brand promoting Breton products and businesses, demonstrating commitment to the local economy.
• OPCO (Operators of Skills)minorChannel Partner/ Reseller/ DistributorFrench Skills Operators (OPCO) that can provide funding coverage for professional training programs. Clients can contact their OPCO for training cost coverage.
• VIVEAminorChannel Partner/ Reseller/ DistributorVIVEA is the skills operator for agricultural sector employees. Eligible agricultural workers who are up to date with MSA contributions can receive training cost coverage up to 2,000 euros.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• TGS France: National French network of accounting, payroll and advisory firms targeting SMBs and agricultural clients. Comparable in size, multi-agency footprint, and service portfolio (accounting, payroll, legal, advisory) to a regional Cerfrance AGC.
• In Extenso: Major French network of chartered-accounting and advisory firms serving SMBs across regions, with deep agriculture and artisan expertise. Directly competes with Cerfrance AGCs in the same verticals, with similar recurring fee-based revenue model.
• Cerfrance Morbihan: Sibling Cerfrance AGC covering Morbihan in Brittany. Operates the same mutualist, multi-agency AGC model with comparable agriculture/artisan/commerce segmentation, providing a near-identical comparable on scale and service mix.
• Cerfrance Finistère: Sibling regional Cerfrance AGC covering Finistère, the neighboring Breton department. Same mutualist structure, same OEC-regulated accounting/advisory service catalog, and same national network affiliation — making it the closest operational and structural comparable.

Broad incumbents

• BDO France: Member of the international BDO network, providing accounting, tax and advisory services in France including regional offices. Comparable business model and service mix at the upper end of Cerfrance's client size range.
• Fiducial: Large established French accounting and business-services group offering accounting, payroll, legal and advisory to SMBs nationally. Competes broadly in Cerfrance's verticals but as a national incumbent rather than a regional specialist.
• Grant Thornton France: International audit and advisory network with French regional presence, serving SMB and mid-market clients. Comparable chartered-accounting and advisory offering, though typically serving larger clients than Cerfrance Côtes d'Armor.
• KPMG France: Big-Four professional services firm with a substantial French regional network serving SMBs, mid-market and large enterprises. Adjacent competitor for advisory and tax work that overlaps with Cerfrance's higher-end client engagements.
• Baker Tilly France: Mid-tier French accounting and advisory network serving SMBs and mid-market clients. Overlaps with Cerfrance's accounting, payroll and advisory services, particularly for artisanal and commercial clients in regional markets.

Emerging players

• Pennylane: Fast-growing French AI-native accounting and financial-management platform targeting SMBs and accountants. Represents the emerging digital-native category that may disrupt Cerfrance's traditional bookkeeping/DSN recurring revenue streams.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/cerfrance_22
• YouTubeyoutube.com/user/CERFRANCE22
• Facebookfacebook.com/cerfrance22
• LinkedInfr.linkedin.com/company/cerfrance-côtes-d-armor

Revenue estimate

Valuation estimate

Number of profiles

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 Cerfrance Cotes dArmor