PSFP Glossary

ACPR or Prudential Control and Resolution Authority

Supported by the Banque de France, it supervises banks and insurance companies in France. Its mission is to maintain financial stability, protect customers, and combat money laundering and the financing of terrorism.

Tax address

This is the address you declare to the tax authorities. You will receive your tax notices, tax documents, and any correspondence relating to taxes there.

AMF or Financial Markets Authority

This independent entity is responsible for protecting invested savings, informing investors, and ensuring the proper functioning of the financial markets. Among the actions carried out are the information of savers via its website and telephone line, mediation to resolve disputes, supervision of financial operations to ensure transparency, regulation of savings products and financial players, as well as market surveillance with powers of investigation and sanction in the event of non-compliance.

Company equity

Composed of the funds initially contributed by the partners or shareholders at its creation and the funds generated by the company's activity over time, equity represents the totality of a company's resources and reflects its financial value.

CNI or National Identity Card

This official document is issued by the government authorities of certain countries to their citizens. Its purpose is to prove the identity of its holder.

DBE or Declaration of Beneficial Owners of a Company

This process is used to identify and declare the natural persons involved in the ownership or control of a company. Paying Institution This is a tax concept used in the context of the declaration of income from securities. This refers to either the person who paid the income or the intermediary who ensures its payment.

ETI or Intermediate-Sized Enterprises

This is a company with between 250 and 4,999 employees, and either a turnover not exceeding 1.5 billion euros or a balance sheet total not exceeding 2 billion euros.

IBAN or International Bank Account Number

Composed of numbers and letters, this standardized code is used to uniquely identify bank accounts during international transactions. It includes data such as the country, bank, and the recipient's account number.

IFU or Single Tax Form

A true summary of all income from movable capital paid and securities transactions carried out, it must be subscribed to by the paying institution.

Kbis

An extract from the Trade and Companies Register (RCS), this official document attests to the legal existence of a company. It mentions, for example, its corporate name, identification number, address, main activity, and legal situation.

KYC or Know Your Customer

Used by financial institutions to verify the identity and integrity of their customers, this process aims to guarantee secure business relationships and assess the level of risk associated with each customer, in accordance with current regulations.

AML-CFT or Combating Money Laundering and the Financing of Terrorism

This is the set of laws, regulations, measures, and tools used to detect, prevent, and report suspicious activities related to money laundering and the financial support of terrorism.

Fundraising

This is a process of collecting capital from investors or investment funds, who then become shareholders in the company. In exchange for their investment, they receive shares or stocks in the company.

Bond

This is a piece of debt issued by a company. When a company seeks funds to finance its projects, it may need several lenders. You can become one of these lenders by acquiring a bond, which represents a portion of this debt. In addition to repaying the amount invested on a set date, the company agrees to pay you regular interest at a fixed rate.

UCITS or Undertaking for Collective Investment in Transferable Securities

This is a financial product where several investors place their money in a collectively managed fund. This fund invests in various securities such as stocks, bonds, and currencies. Investors purchase shares in this fund, and a professional manager is responsible for its management. The objective is to control risks while seeking to achieve positive financial performance.

PEA or Share Savings Plan

This securities account allows you to invest in shares of European Union companies and in collective investments mainly made up of European shares.

Legal Entity

In France, this is a group with legal personality. It is made up of individuals sharing a common objective or a single entity, which may also include legal entities.

Natural Person

In France, this is an individual with legal personality. You must be of legal age (except in the case of emancipation before reaching the age of majority) and not be partially or totally incapacitated (guardianship or curatorship). Otherwise, you are represented by a legal guardian.

SMEs or Small and Medium-Sized Enterprises

For your company to be considered an SME, it must meet the following criteria: employ fewer than 250 people and have an annual turnover of less than €50 million, or a balance sheet total of less than €43 million.

PSFP or Crowdfunding Service Provider

Approved by the Autorité des Marchés Financiers (AMF), this platform is required to comply with various requirements, particularly in terms of governance, risk management and investor protection.