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Discussion Starter · #1 ·
Since my first post is a cry for help, let me start of by thanking all the generous people here who share their knowledge and experience. Although just registered, I’ve been reading many of your posts over the last several months and they’ve helped us avoid or streamline a number of sticky situations, so I’m already very grateful to you all.

Quick background: We’re US residents (for now) who just bought a secondary residence near Uzès. We created an SCI (no children, no renters so no income) on our attorney’s advice due to the French inheritance laws.

Back in November the notaire assured us they could set up a French bank account for the SCI, but at the last minute informed us they were unable to pull it off. Due to a personal situation we were unable to stay more than 2 weeks after the purchase signing session. As you know, it’s impossible to set up most services without a French bank account and phone number, so we spent the entirety of the two weeks jumping through hoops to get bank, phone, and services taken care of (despite my very rusty French and ignorance of the rules and bureaucracy).

It all came together on the last 2 days (whew!) and we’ll be back in May to pick up where we left off. However our lead for a comptable ghosted us and we had no time to find another one. Bad timing because we know there are some imminent deadlines.
  1. We know the registration of beneficial owners is due by 1 April. We received a document via post titled “Registre des bénéficiaires effectifs” issued by the local Greffe and signed and stamped by “Le Greffier”. Does this mean it’s already taken care of, or is there some other statement regarding beneficiaries we need to file by 1 April?
  2. The woman looking after the house in our absence sent us a scan of a letter from the French government’s Finances Publiques encouraging us to enroll on impots.gouv.fr, along with a questionnaire about our “business” that must be returned by 2 April. The questionnaire looks straightforward (contact info, characteristics of the premises, very basic questions about the “business”) but I’m terrified of making a mistake that will cause tax or regulatory problems down the road. Should I risk filling this out myself, or find help?
  3. I’m hoping not to deal with tax filings before we return in May and find a comptable and/or visit a tax office. Since the house purchase and SCI creation took place in 2023, the SCI doesn’t have to file tax returns for 2022, correct? And we don’t have to worry about the taxe foncière until later in the year?
  4. Perhaps most importantly, can anyone recommend a comptable in the Montpellier/Nîmes/Avignon area (or even Marseille), preferably one who speaks English and has a measure of patience for inexperienced foreigners?
Sorry for the long post, and thank you so much for any help you can provide! —Dana
 

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Discussion Starter · #3 ·
Thank you, 255. When I did my own web search a number of similar companies popped up with ads, which seems like a red flag, so I thought I would check here first. We would be reluctant to hand over any personal financial information to a website without a recommendation or at least some due diligence.
 

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We bought our house using an SCI back in 2016.

Without seeing the letter you mention, I'm not sure about the registration of Beneficial Owners issue. If the document shows your name and address and the names of the SCI owners, it would certainly sound like a confirmation that this has been done. (I imagine registration is part of the SCI set up process now?). If it still has spaces to fill in those details... then it's over to you.

The French government’s Finances Publiques questionnaire is straightforward and you should not worry overly about filling it in yourself. Your expert comptable will stop you making any tax mistakes when it eventually comes to filing taxes, but at this point you are unlikley to cause an issue. You can always explain that things have changed since you filled in the form.

If you like I can cast an eye over your form once you've drafted it (We have ours to do this coming weekend as well). Send me a PM.

"Since the house purchase and SCI creation took place in 2023, the SCI doesn’t have to file tax returns for 2022, correct? And we don’t have to worry about the taxe foncière until later in the year?" Yes to both of those.

Regarding accountants, don't get too hung up on finding an expert comptable in your local area. We use a very helpful multilingual firm who happen to be based in Morzine (Nowhere near us!) who we have never met. We do everything via email, although I have had a couple of phone calls as well. French accountants are not very big on advice, but this company do go out of their way to answer my stupid questions. I can supply details by PM if anyone wants.

In your case if you are not intending to rent out the house, your accounts will be laughably simple. There are only a few things you can claim for and having no rental income simplifies matters a lot.

Hope this helps.

Kind regards

Ian
 

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Discussion Starter · #7 ·
We bought our house using an SCI back in 2016.

Without seeing the letter you mention, I'm not sure about the registration of Beneficial Owners issue. If the document shows your name and address and the names of the SCI owners, it would certainly sound like a confirmation that this has been done. (I imagine registration is part of the SCI set up process now?). If it still has spaces to fill in those details... then it's over to you.

The French government’s Finances Publiques questionnaire is straightforward and you should not worry overly about filling it in yourself. Your expert comptable will stop you making any tax mistakes when it eventually comes to filing taxes, but at this point you are unlikley to cause an issue. You can always explain that things have changed since you filled in the form.

If you like I can cast an eye over your form once you've drafted it (We have ours to do this coming weekend as well). Send me a PM.

"Since the house purchase and SCI creation took place in 2023, the SCI doesn’t have to file tax returns for 2022, correct? And we don’t have to worry about the taxe foncière until later in the year?" Yes to both of those.

Regarding accountants, don't get too hung up on finding an expert comptable in your local area. We use a very helpful multilingual firm who happen to be based in Morzine (Nowhere near us!) who we have never met. We do everything via email, although I have had a couple of phone calls as well. French accountants are not very big on advice, but this company do go out of their way to answer my stupid questions. I can supply details by PM if anyone wants.

In your case if you are not intending to rent out the house, your accounts will be laughably simple. There are only a few things you can claim for and having no rental income simplifies matters a lot.

Hope this helps.

Kind regards

Ian
This is enormously helpful—thank you so much!! It sounds like we’re in better shape than I’d feared.

The questionnaire seems straightforward, like you say. Knowing I’m not likely to get myself into trouble, I’ll take a crack at it and PM you if I hit a roadblock.

Morzine? I’m picturing comptables skiing to the office in the wintertime. And longer turnaround time during the peak season.

Merci encore,
Dana
 
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