Yes — but only if you invest directly in Enky’s share capital during a capital raise, which may qualify for the French IR-PME scheme (18% income tax reduction). Bond investments in furniture projects do not offer additional tax benefits.
Taxation
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Can I get a personal income tax deduction?
What documents should I send my accountant if investing through my company?
What documents should I send my accountant if investing through my company?
From your My.Enky account:
- Bond contract
- Subscription form
- Investment Information Note (France: DIS)
- Annual tax statement (France: IFU)
Also provide proof of payment for each investment. Check with your accountant which are required.
Is there an annual summary of interest for tax purposes?
- French tax residents: Tax is withheld at source and pre-filled; Enky issues an IFU each year until the end of your contracts.
- Non-French residents: No withholding tax; you only declare in the final year of the contract. Enky will issue an annual tax statement that year. Until then, interest is treated as deposits and not declared
What is the tax treatment of my Enky investments?
The interest rates on Enky Invest are shown gross (before tax).
Individuals –
- French tax residents: Interest is taxed at a flat rate of 30%, withheld at source and pre-filled in your tax return. If you are on the progressive tax scale, send us a sworn statement and we will pay you the gross interest.
- Non-French residents: No withholding tax; declare according to your local rules.
Companies –
Interest is treated as financial income and taxed under corporate tax or income tax, depending on your legal status.
Every January, Enky issues a tax summary to help you complete your declaration. For personalised advice, consult a tax professional.
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