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Access Financial is the leading global provider of contract management, outsourced payroll and umbrella services. We offer customised and compliant solutions to corporate clients, recruitment agencies and professional contractors.

21

years of experience confirm our competence

Local Partners

In each country, we work with leading local accounting and taxation experts to ensure that we and those who depend on us stay entirely within the law.

Global Presence

We have offices in Switzerland (Head Office), the United Kingdom, Germany, Luxembourg, Cyprus, China, India, Malaysia and the UAE.

100% Compliant

We have the necessary licences, proven experience and demonstrable track record to provide you with all the national and international payroll, contract management, tax and immigration services that you need.

Cost Efficient

We listen carefully to you, understand your personal requirements and needs, and then we collaborate with you to provide our services at reasonable prices.

Our solutions are fully compliant and designed to make the most of your contractor revenue.

Portage Salarial

Portage salarial is a status in France, that allows a self-employed worker to benefit from the same social security coverage and the same rights as an employee.

Access Financial acts as an umbrella company that employs freelancers under a permanent (CDI) employment contract. This arrangement enables freelancers, referred to as “salarié porté” in French, to enjoy the same social benefits as traditional employees, such as retirement pensions, public healthcare, and unemployment benefits. Additionally, Access Financial handles the collection of the freelancer’s turnover and converts it into a salary, which is then paid out to the freelancer.

Self-employment in France is often the simplest business model for independent contractors, allowing them the flexibility to work with multiple clients over various time frames. Contractors simply invoice their clients at agreed intervals, either based on time spent or upon project completion.

To maintain eligibility, it is essential to ensure there is no employment or subordinate relationship with the client. Should such a relationship be found, defending your self-employed status before the tax authorities can be difficult. In such cases, both you and the client risk being subject to a deemed employment ruling, which could result in employer social security contributions becoming payable.

At Access Financial we specialise in enabling contractors/freelancers from EU and EFTA Member States to utilise their Limited Company for contracting in France. Alternatively, if you do not already have a Limited Company, we can help you establish one.

Your Limited company will pay you a reasonable and justifiable salary for your services while working on your contract in France. Any remaining profits, after tax, may be distributed to the shareholder(s) by way of dividend.

Contract
Management

We take care of all onboarding procedures, payroll, compensation and benefits, tax filing, and termination of employment in 60+ countries.

Payroll
Outsourcing

Our payroll services are fully compliant and designed 
to make the most of your contractor revenue.

Tax & Legal
Compliance

We offer personalised consultations for all contractors to evaluate your specific needs prior to your relocation to the work country, throughout your stay, upon your return, and following your arrival back home.

Work Permits &
Immigration Assistance

Our immigration experts will navigate through the requirements and processing times, as they vary by country, for you.

Need an illustration?
Speak to us today

Our dedicated sales team is ready to provide you with a tailored quote and offer guidance on all aspects of the global mobility.

    Frequently
    Asked Question

    Can’t find the answer to your question? Submit your query, and we will provide you with immediate assistance.

    What is an umbrella company?

    An umbrella company is an organisation that employs contractors as part of its business operations. Some umbrella companies, such as contract management or Agents of Record businesses, can offer services to self-employed individuals as well as those working through their own limited companies. Access Financial provides assistance in all three areas.

    With just a few clicks, you can calculate your take-home pay in France and choose the optimal solution to get the most out of your contract. Use one of our online calculators to calculate your possible net retention – https://accessfinancial.com/#tax-calculator

    Portage Salarial is a unique employment status in France that allows self-employed workers to enjoy the same social security coverage and rights as employees while maintaining the flexibility and independence of freelancing.

    Access Financial is an umbrella company that employs freelancers under permanent contracts (contrat à durée indéterminée – CDI) employment contract.

    The arrangement allows freelancers, known as “salarié porté” in French, to access the same social benefits as traditional employees, including retirement pensions, public healthcare, and unemployment benefits.

    Access Financial brings years of expertise working with various countries and diverse solutions to simplify your life. Our dedicated team takes care of all the details so you can sit back and enjoy all that France has to offer.

    Best choice

    AF has greatly simplified the process of hiring and paying people for our company. The platform is highly intuitive and user-friendly, and the support team at AF has consistently exceeded our expectations in responding to our requests.

    Antony Tonmberg

    AF has made hiring internationally easy!

    AF has significantly simplified our process of hiring international talent. They offer knowledgeable experts in each country, ensuring that we comply with local regulations for every hire.

    Maria Kolesnikova

    Great platform and user-friendly

    Access Financial provides me with a comprehensive, secure payroll platform that is user-friendly and operates on any device.

    Andreas Koulogiras

    Thank you for your assistance

    I like that WFM has a wide range of modules like timesheets, invoicing, expenses etc., which help me when working with different clients in Europe and Asia.

    Kevin Corbet

    Since March 2022, I’ve been on this amazing journey with Access Financial

    Honestly, it’s been the happiest and most fulfilling chapter of my career. Thank you for the trust, the learnings, and for being a part of this memorable journey. I genuinely wish for a bright and prosperous future for all of us.

    Andreas

    If there is anything to remember about AF, it is the clarity, the honesty and the discretion

    After several years of collaboration with you, I regret to announce my departure from AF. It has been a real pleasure to have made this part of road with you, and I wish you full success with other collaborators. I regret my departure from your company, but the rules decided otherwise.

    Ahmed Mohammedi

    I’ve been using Access Financial services for more that one year and so far I’m fully satisfied with my choice

    The company is providing prompt and valid support to all my needs as contractor and I recommend it.

    Cesare Pittarello

     I want to take this opportunity to thank you for the good experience I’ve had the last 3 years working with AF

    I feel a sense of trust in AF and for me that is what is most important in any business relationship.

    Roy Harris

    I would like to thank Access Financial Team for all your help on my urgent matter 

    A special mention to Louise and her commitment to help me promptly and in any possible way, even by disturbing some of her annual leave. You’re very lucky to have such people within your team!

    Christos

    I want to thank Access Financial for your assistance with immigration

    My special thanks to Team Europe, their service was very professional. They were always quick to respond, provide me with answers and solutions.

    Luke Williams

    It was always a pleasure to work with AF

    Before when I worked in Belgium and now in Germany, the service was always very pleasant. So yes, in the case I will need any umbrella company, I will surely contact only you.

    Vlado

    I like the transparency you work with

    I will let people know in my network with the services you provide.

    Harshit