First specialized AI platform for taxes, TVA, URSSAF and French regulations – France
Claire Comptable AI is the first specialized AI assistant for French taxes, TVA, URSSAF, DGFiP, SIREN, IS, IR and regulations. Provides an AI educational and fiscal advisory model (not a regulated accountant service) with AI core + expert oversight fallback for complex cases.
📅 Pricing Strategy (France Launch):
Targets 2–3% market penetration of French micro-entreprises, auto-entrepreneurs and freelancers (~60,000 users) → ~9M € ARR within 36 months. Ready for expansion to Belgium, Switzerland and Luxembourg within LumenYAI ecosystem.
💡 Technical Advantage – SSoT (Single Source of Truth):
Automatically synchronized database of all French fiscal and social laws (Bulletin Officiel des Finances Publiques, URSSAF, DGFiP, SIREN, INSEE, TVA, IS, IR). Instead of AI "guessing" from generic data, Claire uses a unique, daily-updated register of legal sources for all French regions. Result: 99.99% accuracy vs 60-70% for generic AI models (ChatGPT, Gemini).
No competition
SaaS model
Hybrid model
All French regions
TAM/SAM/SOM analysis for French market (all regions)
| Segment | Micro-entreprises | Auto-entrepreneurs | Freelancers | Total France |
|---|---|---|---|---|
| Micro-entreprises (SASU, SARL, EURL, etc.) | 2,100,000 | 1,200,000 | 500,000 | 3,800,000 |
3,800,000 entities in France with tax-accounting obligations
2,100,000 digitally active users seeking online fiscal solutions
60,000 users (2-3% penetration within 36 months)
| Penetration | Number of Users | ARR (€149/year from 2027) |
|---|---|---|
| 1% market (BE) | 15,000 | €2,235,000 |
| 2% market (BE) | 30,000 | €4,470,000 |
| 3% market (BE) | 45,000 | €6,705,000 |
Multi-channel revenue model – SaaS, B2B, Accountants, Government
| CAC (Cost of Acquisition) | 35–45 € |
| ARPU (Annual revenue) | 149 € |
| LTV (3 years) | 447 € |
| LTV / CAC ratio | 10:1 |
✅ Exceptional ratio (standard >3:1). French market shows high retention with premium pricing justified by complexity.
Self-employed, freelancers
12,000 active usersAccounting firms
350 accountantsRegions/Municipalities
3 regions + 19 communesBanking integration
KBC, Belfius, ING, ArgentaEU AI Act, GDPR and French-specific compliance
Claire is not an AI accountant → Claire is an AI educational and fiscal advisory assistant with expert supervision.
This enables compliance with French regulations (Ordre des Experts-Comptables, URSSAF, DGFiP) and opens doors for partnerships with accountants, chambers of commerce (CCI France, MEDEF) and regional governments.
| Regulatory Framework | Requirement | Risk Level |
|---|---|---|
| EU AI Act (2025) | AI in finance → High-Risk System | ⚠️ High |
| GDPR | Processing personal and financial data | ⚠️ High |
| French Accountant Law | Cannot replace certified accountant (Ordre des Experts-Comptables) | ⚠️ Medium |
| TVA Complexity | Different rates and regimes (TVA, IS, IR, micro-entreprise, auto-entrepreneur) | ⚠️ Medium |
Solution: SSoT engine + "Verified 2026" badge + legal disclaimers + cross-validation with 2+ official Belgian sources (Moniteur Belge, SPF Finances)
Solution: On-premise database, E2E encryption, anonymous chat mode + Belgian DPO contact (dpo@sophiefiscale.be)
Solution: Partner accountant network (IAB certified) / fallback option + documentation of every AI response
Solution: Source transparency + Audit log + continuous updates + publicly visible changelog per region
Solution: Automatic scraping Moniteur Belge + SPF Finances API integration + daily sync (GitHub Actions)
Solution: Gamification (streak system) + email drip campaigns + limited free queries (8/month) → upgrade to €149
4 development phases – from Belgian MVP to Benelux platform
Goal: Proof of functionality and trust in all 3 Belgian regions
Result: 1,500 active test users + 15 partner accountants (IAB/IPCF certified)
Goal: Generate first ARR revenue
Result: 10,000 subscribers @ €149/year → ~€1.5M ARR (starts 2027 after FREE year for beta users)
Goal: Law localization (Netherlands, Luxembourg)
Result: 50,000 users across Benelux region
Goal: International AI standard for fiscal compliance
Result: White-label for fintech & ERP systems (SAP, Exact, Odoo)
Sophie Fiscale AI is "sister #2" in a larger system (after Ana Bookkeeper AI for Croatia). Strategy: Sophie is not a standalone project – she is the second commercial engine within LumenY ecosystem.
This increases valuation × 5 as it becomes a platform, not just a product.
Other AI Personas: HrvaticaAI (mother), Ana (Croatia), Ivana LawyerAI (contracts), Mara EU-FundsAI (projects), Zdrava Marija (Health)...
Strategic overview specific to France's fiscal and regulatory complexity
Numerical overview of French market and financial indicators
| TAM (total market) | 3,800,000 |
| SAM (digital available) | 2,100,000 |
| SOM (realistic reach 36mo) | 60,000 |
| Subscription price (ARPU) | 149 €/year |
| ARR at 3% market | 9M € |
| LTV (3 year retention) | 447 € |
| CAC (acquisition cost) | 35–45 € |
| LTV / CAC ratio | 10:1 |
| Payback period | ~3 months |
🌱 Market timing: Belgium digitalizing fiscal sector (2026–2030 transition)
⚖️ Complex tri-regional system: Flanders, Wallonia, Brussels need unified AI solution
🗼 AI institutionalization: EU AI Act enables compliant development
🏛 Public adoption: Regional governments, chambers of commerce, EU tenders
🔁 Recurring revenue: €149/year (from 2027) → predictable cashflow
🌐 Platform potential: 14 AI personas → European infrastructure
Sophie Fiscale AI speaks your language – EN, FR, NL
Sophie est le premier assistant fiscal IA spécialisé pour la Belgique. Disponible 24/7 en français, néerlandais et anglais.
🎯 Fonctionnalités :
💶 Tarification : €149/an (lancement 2027) | Beta Q1 2026 : €79.99
⚖️ Conformité : EU AI Act (Art. 14 – Supervision Humaine) | GDPR | ITAA (Institut des Conseillers Fiscaux)
Contact us for a detailed investment deck, financial projections or demo presentation tailored to French fiscal complexity.