C.A.L.M.

What C.A.L.M. does

C.A.L.M. (Cabinet Administratif Lacs et Mont d'Or) is a French administrative advisory firm founded in 2016, headquartered in Montperreux with an office in Pontarlier (France) and a Swiss office in Vallorbe (CALM SWISS). The firm serves cross-border workers — individuals who live on one side of the Franco-Swiss border and work on the other — providing administrative, tax, and social-security advisory services tailored to the bilateral French-Swiss regulatory environment. Its client base grew from approximately 600 active clients at end-2020 to roughly 1,050 at end-2021, with over 2,000 clients assisted cumulatively and 683 consultations handled over a two-month 2021 tax campaign.

The firm does not operate a proprietary technology platform; its operating stack is built on off-the-shelf consumer and SMB tools, including Agendize for appointment booking, WhatsApp for client messaging, and standard video-conferencing. The service model combines per-service fees (e.g., tax declarations in the ~150–220 EUR range) with an annual subscription tier (Abonnement CALM) and a recurring ~240 EUR/year exchange-rate-correction service (CNTFS offering). The team is small — on the order of 5–10 consultants — and the geographic focus is concentrated in the Franche-Comté / Bourgogne-Franche-Comté cross-border corridor. Revenue mechanics are therefore a hybrid of transaction-based advisory fees and a nascent recurring subscription layer, all delivered through human consultants rather than automated systems.

Strategic activity has accelerated in 2022, with the firm opening its first Swiss office, launching the subscription product, introducing the exchange-rate-correction service, creating a Portuguese-language community channel to reach a previously underserved segment of cross-border workers, and associating publicly with local community organizations. There is no evidence of external funding, M&A activity, or technology investment; the firm appears to be entirely founder-owned and organically financed.

Name

C.A.L.M.

Legal name

C.A.L.M.

Website

https://calm-bfc.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

C.A.L.M. is a French-Swiss cross-border administrative advisory firm serving cross-border workers in the Franche-Comté region with tax, social-security, and exchange-rate advisory services, operating from offices in Pontarlier (France) and Vallorbe (Switzerland).

Ownership category

akta.pro rank

Product category

Cross-border administrative and tax consulting services

NAICS

Other Individual and Family Services (62419)

SIC

Services-Miscellaneous Business Services (7380)

akta.pro primary industry

Immigration, Visa & Work Authorization Support (HSAKAJAF)

akta.pro secondary industries

Global/Multi-Country Payroll & Cross-Border Payments (BPACAIAD), Work Permit & Employment Authorization Services (THACAKAB)

Keywords

• Cross-border tax services
• Administrative assistance services
• Social security declarations
• Tax declaration assistance
• Family allowances coordination

Headquarters

HQ city

Montperreux

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Tax Declaration Assistance: Fees charged per tax declaration or correction service. Declining scale based on complexity: simple declarations, property-related declarations, and multi-property filings. Includes annual income tax campaigns with per-service pricing.
2. CNTFS/Social Security Declaration: Annual social security contribution declaration service for cross-border workers affiliated with the French system. Per-person and per-couple pricing. Includes review and correction services for prior years.
3. Cross-Border Administrative Services: Wide range of administrative services covering LAMal health insurance, family allowances (allocations familiales), Swiss retirement coordination (AVS, LPP/2nd pillar), unemployment procedures, vehicle customs, driver's license exchange, and property declarations. Each service priced individually.
4. Annual Subscription (Abonnement CALM): Year-round accompaniment subscription giving clients access to ongoing advisory services, tax installment updates, and proactive administrative support throughout the year, avoiding surprise tax regularizations.
5. Exchange Rate Correction Service: Specialized service to correct overpaid taxes due to incorrect CHF/EUR exchange rates applied by French tax authorities. Billed per corrected tax year (240€ per year, partially tax-creditable).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

C.A.L.M. provides administrative assistance to Franco-Swiss cross-border workers, including French income tax declarations, CNTFS/URSSAF social security declarations, LAMal Swiss health insurance enrollment assistance, family allowance coordination, retirement coordination (AVS/LPP), driving license exchanges, vehicle customs clearance, and property owner services. Services are delivered through in-person consultations at offices in Montperreux and Pontarlier, by videoconference, and via an annual subscription model for year-round support.

Product overview

C.A.L.M. is an administrative assistance company for Franco-Swiss cross-border workers offering a comprehensive suite of services. The core offering consists of tax declaration assistance, CNTFS/URSSAF social security declarations, LAMal frontalière health insurance assistance, Franco-Swiss family allowances coordination, and retirement coordination (AVS/LPP). Additional services include driving license exchanges, vehicle customs clearance, and property owner services. The company operates from offices in Montperreux, Pontarlier (France), and Vallorbe (Switzerland), with services available in-person and via video conference.

Differentiator

Problem solved

Functional benefit

Products and services

• Tax Declaration Assistance (Déclaration d'impôts) Assistance with French income tax declarations for cross-border workers, including assessment of what is declarable, double-taxation treaty application, and corrections that typically recover EUR 400-1,500+ per client per year. Targeted at French residents working in Switzerland and Swiss residents with French-source income.
• CNTFS / URSSAF Social Security Declarations Preparation and filing of social security declarations under the CNTFS regime (frontalier workers) with URSSAF, covering mandatory French social contributions. Targeted at Franco-Swiss cross-border employees.
• LAMal Frontalière Health Insurance Assistance Guidance and administrative support for frontalier workers enrolling in or maintaining Swiss LAMal health insurance, including coordination with French social security. Targeted at cross-border workers opting into the Swiss health regime.
• Family Allowances Coordination (Allocations familiales) Coordination of family allowance claims across French CAF and Swiss family-compensation regimes, including cross-border household situations. Targeted at cross-border families with children.
• Retirement Coordination (AVS / LPP) Coordination of retirement contributions and benefit claims between the Swiss AVS/LPP systems and the French retirement regime for cross-border workers. Targeted at frontalier employees and retirees with bilateral career histories.
• Driving License Exchange (Permis de conduire) Administrative assistance to exchange a Swiss driving license for a French license (and related procedures) for cross-border residents. Targeted at individuals relocating or commuting across the Franco-Swiss border.
• Vehicle Customs Clearance (Dédouanement véhicule) Assistance with customs procedures for vehicles crossing the Franco-Swiss border, including registration and tax-related filings. Targeted at cross-border workers and property owners importing or registering vehicles.
• Property Owner Services (Propriétaires) Administrative and tax assistance for individuals owning real estate in both France and Switzerland, covering French wealth tax (IFI) considerations, property income declarations, and related filings. Targeted at cross-border property owners.
• Abonnement CALM (Annual Subscription) Annual subscription providing year-round access to C.A.L.M.'s cross-border administrative support, covering consultations, follow-ups, and ongoing assistance across tax, social-security, and property dossiers. Targeted at clients with recurring annual needs.

Quantifiable outcome

• Tax savings of 400–1,000+ EUR per year through exchange rate corrections
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• OncodoubsminorOthers · 14 April 2022CALM partnered with Oncodoubs to collect donations supporting cancer patients. The initiative was motivated by a colleague's personal experience with cancer, with donations collected during client consultations.
• Portuguese-Speaking Cross-Border Community (Facebook Group)minorOthers · 28 October 2021CALM created a dedicated Portuguese-language Facebook group to support Portuguese cross-border workers in navigating Franco-Swiss administrative procedures, removing language barriers for this growing demographic.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• EY France: Big Four firm with a dedicated Private Client Services / People Advisory practice that assists individuals with cross-border tax, social security, and retirement issues. Comparable to CALM for the high-end of the cross-border advisory market.
• Fiducial: One of France's largest accounting and outsourced administrative-services firms serving SMEs and individuals. Comparable because it provides tax declaration, payroll, and administrative support to French clients, including cross-border workers, at much greater scale and as part of a broader portfolio.
• Deloitte France: Big Four advisory firm offering international tax, social security coordination, and retirement planning to mobile workers. Comparable to CALM as a broad incumbent serving the same underlying problem space for cross-border workers, albeit for higher-tier clients.
• PwC France: Big Four firm with mobility and personal-tax expertise covering Franco-Swiss and other cross-border scenarios. Comparable for the institutional/corporate-assigned expatriate segment that overlaps with CALM's frontalier clientele, though at enterprise scale.
• KPMG France: Big Four professional services firm with a substantial personal-tax and international-mobility practice advising French residents working abroad. Comparable because it serves a similar bilateral expat/frontalier client base, though at a much higher price point and as part of a global portfolio.
• Cerfrance: Major French accounting and advisory network specializing in small businesses, farmers, and individuals. Comparable because it offers tax filing, social declarations, and administrative assistance across France, overlapping with CALM's core service lines but serving a broader client base.

Others

• AXA France: Major French insurer offering health, retirement, and social-protection products to individuals and cross-border workers. Comparable as an ecosystem participant whose LAMal/CNTFS-adjacent offerings overlap with CALM's social-security and retirement-coordination services.
• Crédit Agricole: Large French banking group with cross-border advisory services for frontaliers in the Franche-Comté and Savoie regions. Comparable as a regional incumbent providing adjacent financial-advisory support to the same Franco-Swiss client base.
• AG2R La Mondiale: Major French social-protection group providing health, retirement, and family-related benefits administration. Comparable as a large incumbent that handles elements of the bilateral benefits landscape (family allowances, retirement) where CALM also advises clients.
• Swiss Life France: Swiss-owned insurer and retirement provider with a French subsidiary offering AVS/LPP-equivalent and pension products to cross-border workers. Comparable because it competes for the retirement-coordination wallet share that CALM also addresses for frontaliers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/calmbfc
• TikToktiktok.com/@frontalier.calm
• LinkedInlinkedin.com/company/calm-bfc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 C.A.L.M.