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.
I want to join the waiting list for Enky’s next capital opening.
Check with your accountant what's required. On my.enky.com, you'll find the following documents:
- Bond contract
- Subscription form
- Investment Information Note (France: DIS)
- Annual tax statement (France: IFU)
You will also need to provide proof of payment from your bank for each investment.
- 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.
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 income and subject to corporate 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.
