ThomasCdnns/qonto-open-qa huggingface dataset:
Question: How to re-issue the deposit certificate ?

Answer: The re-issue of a deposit certificate occurs when a change is made to the company's information during the creation process.   How do I request a certificate amendment? You can fill in your request directly by clicking on the button below :   Change information on your deposit certificate Our dedicated team will analyze your request and get back to you within a few minutes to take the next steps.   You can request the following changes to your certificate:   Change the surname/first name of one of the shareholders you can contact us directly via the  form .   Change your address and legal form We need your updated bylaws   Change your company name We need your updated bylaws and a declaration of honor for the change of name (available at the bottom of this page)   Change your capital amount We need your updated bylaws, your personal IBAN (if it is a capital decrease) and/or an additional transfer to the deposit account (if it is a capital increase). ⚠️ Deposit accounts are closed at this stage. **It is therefore important to initiate the change request before making the complementary transfer, **otherwise we will not be able to receive the transfer.   Replace an expired certificate Nothing needed, you can contact us directly via the  form .     Please note: Any changes to the list of subscribers after the funds have been received will result in the closure of your account. We will reimburse you for the costs incurred and assist you with your new registration. These procedures involve the re-issuing of your certificate by the notary. An additional time is necessary to make the changes: you will receive your new certificate reissue within a few days. 🕚 🚨  Be sure to communicate the final information: the notary will only be able to reissue your certificate of deposit twice.   What happens after I submit my amendment request? Once you have submitted your amendment request, you will receive a new deposit request to sign from a computer. 💡  Please disregard the "File your share capital" page, go directly to the next step. After your signature,  2 versions  of your modified certificate will be available: Digital deposit certificate : the notary will send it to you by email within 48 working hours. This version allows you to register online on  the Guichet unique . Original deposit certificate : This will be sent to you by post,  within 7 working days  at your home address. Declaration of honor for the change of company name ( remember to select the notary listed on your certificate ): Attachment icon Carnot Associés - Attestation transfert changement dénomination.pdf Attachment icon Quentin Fourez - Attestation transfert changement dénomination .pdf Attachment icon Vincennes MB Notaires - Attestation transfert changement dénomination.pdf
Question: What is a deposit certificate?

Answer: What kind of document is a deposit certificate? The deposit certificate is a document that certifies the cash contributions deposited when a company is incorporated. With Qonto you can get your certificate of deposit : In  digital format  💻 within 12 business hours ( downloadable from your Qonto interface ) In  paper format  ✉️ within 5 working days to the personal address of the account owner This document is necessary for the registration of your company on the  Guichet unique website .   What information is mentioned on the deposit certificate? The certificate of deposit of funds, in order to be valid, must contain the following mandatory information: The  name of the company The  legal form  of the company The  address of the registered office  of the company The  identity  and  distributions  of the  cash contributors The  validity period  of the certificate  (6 months from the date of signature by the notary) ⚠️ The signature date of the bylaws must be after the signature date of the certificate.   Why the deposit certificate is not certifying my full capital amount? The deposit certificate only mentions the cash contributions made by each partner at the time of incorporation.  ​ In-kind contributors (property, premises, etc.) are mentioned in the bylaws.   💡 The certificate of deposit of funds should not be confused with the list of subscribers.    What is the list of subscribers? The  list of subscribers  is a mandatory document for the registration of an SAS/SASU. It is not required for SARL/EURL. It lists the shareholders who make contributions to the capital, the nature of the contributions (in cash or in kind), the amounts of these contributions, and the number of shares received in return.   This document is not provided by Qonto.  It is a document related to your articles of association and is typically provided by the drafter of the articles.  ​ You will find an example template attached to this article   ⚠️ Be careful! A deposit certificate is not the same as a bank guarantee certificate. Qonto does not issue a bank certificate, as Qonto is not a bank but a payment institution, and the certificate is/will be signed by a partner notary. Attachment icon Liste des souscripteurs.pdf
Question: How to do a capital deposit with a variable capital ?

Answer: 📌 *Before registering, please read our  conditions of eligibility for the capital deposit service .*   Variable capital is the opposite of the fixed capital found in most company creations with Qonto.   It allows the share capital to be increased or decreased without having to amend the bylaws, which can be particularly useful during the life of a company. It is therefore possible to start the company's activity with less capital and gradually increase it.   ℹ️  Please note that variable capital and partial release are not compatible.   Variable capital in short For example, let's take the case of a capital increase in a SARL with variable capital, whose subscribed capital is 5,000 euros. The minimum capital is 500 euros and the maximum capital is 10,000 euros. If the SARL decides to increase its share capital to 8,000 euros, no fees or formalities are required. However, if the SARL decides to increase its share capital to 12,000 euros, it will be necessary  to file a capital increase request .     How to proceed? The company's bylaws must include a clause allowing the company's capital to vary. This allows the capital to  vary flexibly within set limits.   Three parts should be mentioned: -  Subscribed/initial capital : corresponds to the amount deposited by the shareholder(s). -  The "minimum" share capital or floor : corresponds to the amount below which associates may not go (⚠ it may not be less than 10% of the subscribed/initial share capital). -  The "maximum" share capital or ceiling : corresponds to the maximum amount.   In the case of contributions in excess of €100,000, additional documents may be requested by our team.     💡 Good to know It may be worthwhile to opt for an SAS with variable capital when starting up a business. For more information, see our  blog article .
Question: How to proceed to capital deposit in France with in-kind contributions?

Answer: 📌  Before signing up, please review our  eligibility requirements for the capital deposit service   In the context of  company creation , it's possible to build the share capital through various  types of contributions .   With  in-kind contributions , the partner can provide a wide range of  tangible or intangible assets , such as real estate, equipment, shares, patents, etc. A business goodwill is also considered an in-kind contribution.   💡  Even if your situation might be approved by the French administration for your incorporation, Qonto has some acceptance conditions.   What are Qonto's conditions regarding in-kind contributions?  Qonto accepts in-kind contributions only for the following legal forms:  SARL, EURL, SAS, and SASU . Qonto accepts in-kind contributions only  if they complement a cash contribution. The list of tangible or intangible assets  must be explicit in your bylaws! Qonto accepts contributions that  have been certified by a contributions referee . Qonto can accept contributions that  haven't been externally certified, only if: → The individual value of each asset  doesn't exceed 30 000 euros . → The total value of in-kind contributions  doesn't exceed half of the share capital . → Supporting documents are provided. 💡  In the case of in-kind contributions, the supporting documents will be requested outside the registration process, during the analysis of your application by Qonto.   What documents are requested? For contributions not certified by a report from an external contribution's appraiser, you can provide, for example: For a vehicle:  the vehicle registration under your name and/or a transfer certificate and/or an invoice if available. For equipment  (furniture, IT equipment, industrial machines, tools) : an invoice under your name or the company's name. Shares of a company:  the company's bylaws  (if the company is less than a year old)  or the latest balance sheet or tax return. For a business goodwill:  a transfer certificate or a business goodwill attestation. For a commercial space:  a notarized purchase deed. For a trade name or a trademark:  a proof from the INPI ( French National Institute of Industrial Property). ☝️  The verification of those documents is to confirm the ownership and estimate the current value of the asset indicated in your bylaws. Therefore, it's crucial for the documents to be consistent.   ✌️  Certain types of contributions, like intangibles assets, might require a deeper analysis. We may contact you for more information.
Question: How to proceed to a partial release of your capital ?

Answer: How does partial release work? When depositing capital, Qonto offers you the choice of depositing all or part of your capital.   ℹ️ Please note that partial release and variable capital are not compatible.   Here are the steps you need to take: Prepare your bylaws, clearly indicating the amount you wish to liberate at the subscription of the capital deposit (as well as the breakdown of capital by associates). Once you have obtained your deposit certificate, you can proceed to register your company via the  guichet unique . Once your company has been registered, you have 5 years to deposit the remainder of your capital in your company’s account. More information about the 5 years delay In the case of a partial release, the maximum legal period for proceeding to your  full release is 5 years  from the anniversary date of your capital deposit (registration). 💡 You have the option of liberating the capital in several parts within this 5-year period. There is no limit to the number of times and parts you can proceed to deposit. We also invite you to find out about the  conditions for qualifying for the reduced rate of corporation tax . See the following link for more information: b) al.2 of  article 219 du code général des impôts   The amount of the partial release varies depending on the legal form of the company:   SARL, EURL The associates are obliged to deposit at least a minimum of 20% of the total amount of cash contributions at subscription. SA, SAS, SASU The partners have to deposit at least 50% of the total amount of cash contributions at subscription. SNC There is no minimum amount to be paid up at the at subscription. The customer is free to choose the amount. SCI, SELARL, SELAS Partial payment is not possible for these legal forms  ❌   ⚠  The initial amount deposited and its distribution amongst the associates must be specified in your bylaws .   Example of breakdown:  If your company has 2 partners 👥, share capital of 1000 EUR, 50% deposited, i.e. 500 EUR (SAS) on formation. You will need to indicate the breakdown in partially released capital (EUR per associate): Partner 1 👨 → to deposit 340 EUR (out of 500 EUR). Partner 2 🧔‍♀️ → to deposit 160 EUR (out of 500 EUR).   Conditions for releasing the remainder of your capital with Qonto The issue of a deposit certificate is reserved for customers creating a company with Qonto. If you did not make your initial capital deposit with our services, don't worry, you can still release the remainder of your capital with Qonto. However,  you will not receive a certificate of deposit  for this transaction. All you have to do is transfer the funds to your Qonto account with a clear label. Your account statement will then serve as proof of your release.   💡  The capital increase  offered at Qonto  is not available  to partially released customers until the capital has been  fully released .
Question: What types of contributions are accepted for french capital deposit?

Answer: What are contributions to the share capital of a company? 🤔 Contributions refer to the resources that the partners of a company decide to bring during its creation or during a subsequent capital increase. In return, each partner receives shares/stocks proportionately to the value of their contribution.   💡  Certain legal forms do not require share capital and therefore do not necessitate capital deposit. This is the case for sole entrepreneurs and independent professional practices, for instance.   These contributions can take different forms: Cash Contributions:  This involves the contribution of liquid money. Shareholders contribute financially by depositing a sum of money into the company's capital. In-Kind Contributions:  These contributions consist of providing tangible or intangible assets, such as real estate, equipment, vehicles, shares, patents, etc. A business's goodwill is also considered a non-cash contribution. Contributions of Expertise:  In some cases, shareholders can contribute their skills, expertise, or know-how to the company.   And at Qonto? In the context of a capital deposit at Qonto, we can handle  company creation projects with cash contributions alone or with a combination of cash and in-kind contributions.  ✌️   💶 Cash Contributions: Qonto accepts cash contributions, whether in the context of  partial or total capital release  during incorporation.  Deposit can only be made through bank transfers.   For more information, here's our dedicated  article on cash contributions deposit .   🏭 In-Kind Contributions: Qonto accepts in-kind contributions for SARL, EURL, SAS, and SASU entities,  only if they complement a cash contribution.    We support all contributions that have been  evaluated by a contribution appraiser .  For contributions that have not undergone external evaluation of their value, we can accept them under the following conditions: → The individual value of each asset does not exceed 30,000 euros. → The total value of in-kind contributions does not exceed half of the share capital. → Each is accompanied by a supporting document.   For more information, here's our dedicated  article on in-kind contributions .   💡  Contributions of expertise can be accepted if they do not constitute a part of your share capital.
Question: What are the rules for the transfer of your cash contributions ?

Answer: Note: this article only applies to French company creation.  🇫🇷     📌 Before you sign up, check out  our eligibility requirements  for the capital deposit.   ℹ️ Each associate receives his deposit IBAN by email. A  deposit account, temporary and nominative , is assigned to each associate.  The associate in charge of the register can also retrieve the IBANs and track the progress of the payments on the Qonto interface.   Below you will find  our conditions : The payment of contributions is only possible by bank transfer.   SEPA , Instant SEPA and SWIFT transfers are accepted. ✅ However,  there is a list of countries  from which SWIFT transfers are not accepted. 🔍   A natural person associate (individual) must pay his contribution from his personal account, except for minors.   An associate who is a legal entity (company) must pay his contribution from his business account.   It is not possible for an associate (individual or legal entity) to have the payment of his contribution made by another person or company. ⚠️   The payment of an associate's contribution can be made in several transfers and from his different accounts.   Transfers from a  Lydia, Paypal, Xoom, Western Union  or other electronic payment service  are not accepted  ❌   Virement Spécifique Orienté Trésorerie (VSOT)  are automatically rejected. ❌     Good to know 💡 Prefer the Instant SEPA Transfer  ⚡️ The transmission of classic transfers by banks is not ensured on weekends and holidays. In addition, the reception time of a SEPA transfer is 1 to 2 working days and that of a SWIFT transfer is 5 working days.  Only the SEPA Instant network operates  24/7/365  and ensures receipt within minutes!  💜   Don't mix up immediate transfers with instant transfers!  Immediate means "as soon as possible" as opposed to delayed transfers. Instant means "sent via the SEPA Instant network", if the recipient's bank is compatible. Some banks charge a fee for this.   If you make your transfer : From a joint account , you will probably be asked for the RIB of the account showing the full name of the partner. You can send it in advance on  [email protected] From a PEA / PEA-PME account , you will be asked to provide proof of the subscription request to your bank. You can send them in advance to  [email protected] On the deposit account of another partner , Qonto will be able to rectify the situation without asking you for a new payment. If the amount transferred is higher than expected , the excess will be returned to the issuing account. On a closed deposit account , the transfer will be automatically rejected and returned to the sender within 5 business days.
Question: Create an impactful business logo with Qonto AI-powered generator!

Answer: At Qonto, we're always looking for ways to support business creators. That's why we're excited to introduce our new logo creation feature.   This tool leverages artificial intelligence to design professional-looking logos tailored to your company's identity. Whether you’re just beginning or seeking to perfect a logo idea, our tool powers you up! 🚀     What is Artificial Intelligence (AI) and how does it work? Artificial Intelligence is a branch of computer science that aims to create software programs capable of intelligent behavior such as solving problems, giving guidance or making something new, like a logo for your company. AI works by analyzing vast amounts of data given by their programmer, recognizing patterns, and making decisions based on this analysis. 🤖   This technology is not brand new, it was used  already in a wide range of applications like video games, industrial automations, security systems, healthcare, finance, marketing recommendations, self-driving-cars. The new thing is the great democratization coming from AI programs that use humans words as instructions. ✍️   While mind-blowing, an AI, like any other computer program, is only capable of doing what it is designed and trained for. It just gets better and better at it, learning from feedbacks and/or new data.   How to generate an impactful logo? From the moment you wait for the deposit certificate until you access your business account, you will be able to use our creative tool to generate up to 20 logos.  Access the tool from the left panel and let your ideas flourish! 🪷   Write as many details as you want about your industry, company activity or brand identity.  Request for any symbols, shapes or objects to be included with associated colors if necessary, but focus on only a few elements to avoid overloading. Keep sentences simple, precise and organized for maximum accuracy.  ​ The tool is configured to generate a business logo, not masterpiece paintings. Also, please take care to respect  OpenAI usage policy . ​ Select the main color theme of your logo or let the AI choose what could suit the best. ​ Select the design style of your logo or let the AI surprise you.  You can see as example the Qonto flower. ​ Read and accept the terms and conditions. ​ Click on generate and see from yourself! 🙌 Once you generated a logo that you like, you can set it as Qonto avatar  (and Qonto invoicing logo if eligible) . All your previously created logos, up to 20, are stored in the logo creation tool and you can download them for later use.   💡 Still be mindful, with AI using the same details and criteria will never produce the same logo. If you’re interested in one and want to iterate on it with externals tools, better download it.   What usage can I legally make of this logo? Now that you have a great company logo, you might wonder what can you legally do with it? How to officially register it? Everything is answered in this  extensive  article .
Question: What type of shareholders does Qonto accept for capital deposit ?

Answer: To make a capital deposit with Qonto, we accept that your file includes natural persons (individuals) and/or legal entities (companies) as partners. 💜   Accepted physical shareholders : Adults Emancipated minors   (a letter of emancipation signed by a judge will be requested) Non-emancipated minors ,  if one of the parents is a shareholder in the company.   Both parents will be required to sign an attestation authorising the minor to create a company (or the sole legal guardian + court decision giving parental authority to one parent) . Having an  admissible identity document  with ongoing validity Accepted legal entity shareholders : Companies registered in  France 🇫🇷, Italy 🇮🇹, Spain 🇪🇸, Germany 🇩🇪, Belgium 🇧🇪, Luxembourg 🇱🇺, Netherlands 🇳🇱, United Kingdom  🇬🇧  (and if applicable, managed by companies from these countries). French associations under the 1901 law or similar 🇫🇷 The stacking of companies does not exceed  two consecutive parent companies . Additional documents may be requested outside the registration process. Several combinations are currently possible in terms of shareholders: A legal entity as sole shareholder : must be represented by a legal representative of FR nationality Several legal entity shareholders  :legal representatives of EU nationality and at least one of FR nationality Combination of physical persons and legal entities  (with legal representatives of EU nationality and at least one of FR nationality) ⚠️ The acceptance of a registration is however conditioned. Therefore, before registering, please check out all our  eligibility conditions for the capital deposit service .   If you meet all the necessary requirements, then you can apply. Then let's get started! Click on this  link  to start your registration! 🚀