“Can a bootstrapped French accounting-SaaS company become the complete financial OS for French micro-businesses — invoicing, banking, payments, and compliance — without external capital?”
Founded in 2015 as an accounting-software provider focused on French experts-comptables, Tiime progressively added an integrated pro business account (backed by Treezor for BaaS) and open-banking bank-sync (via Powens) to become a full financial-OS for French micro-businesses and solopreneurs. In 2024 the company went fully free-to-use for invoicing and accounting, shifting monetisation to the embedded pro account and payment services. In April 2026 Tiime obtained its own payment institution licence from the ACPR, beginning a transition away from third-party BaaS dependency — a rare bootstrap fintech milestone achieved without external funding.
Tiime discloses Treezor as its banking provider, according to the Embedded Finance Index 2026.
Tiime does not disclose a bank charter of its own; its banking services are provided through Treezor.
Tiime connects to bank accounts through Powens.
The Embedded Finance Index 2026 maps 2 layers in Tiime's stack: Banking / BaaS (Treezor); Open banking (Powens).
Tiime is founded in 2015 and headquartered in 15 rue Auber, 75009 Paris, France.
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