Kolecto
“Can a Crédit Agricole-backed e-invoicing platform become the default financial OS for French SMBs ahead of the September 2026 PDP mandate?”
Founded2023
HQParis, France
IndustryVertical SaaS / SMB Financial Management
The story
Kolecto is a corporate venture from Crédit Agricole's La Fabrique startup studio, founded in 2023 to help French TPE/PME digitize accounts payable, accounts receivable, treasury, and pre-accounting workflows. Distribution is primarily through Crédit Agricole and LCL business banking channels. The strategic wedge is France's mandatory e-invoicing reform (September 2026) — Kolecto positions itself as a certified Plateforme Agréée (PDP) to onboard SMBs that need a compliant invoicing platform.
Last 12 months
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Product timeline
2023
Kolecto founded within La Fabrique by CA (Crédit Agricole) as a 100% subsidiary to digitize SMB financial management· founding
2024
Launched partnership with LCL Banque & Assurance offering preferred pricing for LCL business customers· partnership
2025
Certified as a Plateforme Agréée (PDP) by DGFiP ahead of France's September 2026 e-invoicing mandate· regulatory
Regulated entities
1
regulatory licence held by Kolecto
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Kolecto’s embedded-finance stack
Payments / PSP
Unified APIs
in the full report
Accounting
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.