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Business Paperwork for Europe (EEA)

E
Written by Elvia Amelia
Updated over 2 months ago

If your company is registered in the European Economic Area (EEA) and you want to open an account with Remoly Invoicing, you’ll need to complete a KYC (Know Your Customer) check. This is a legal requirement to confirm your business identity, structure, and ownership.

During this process, you’ll be asked to provide certain documents that prove:

  • Your business is real and currently active

  • The people connected to the business are genuine and verified

To make things easier, we’ve listed the required documents based on the type of business you operate.

1. Private Limited Company

(Examples: GmbH, SARL, BV, Ltd)

Business documents required:

  • Certificate of Incorporation or an extract from the Chamber of Commerce*

  • Memorandum and Articles of Association (or equivalent company constitution)

  • Authorisation Letter (if someone applies on behalf of the company)

  • Ownership structure or declaration if Ultimate Beneficial Owners (UBOs) are not easy to identify

*Companies registered in the Netherlands must provide a UBO Extract from KvK

Personal documents required:

  • Photo ID and proof of residential address of the authorised applicant (with liveness check)

  • Photo ID and proof of residential address of all UBOs (anyone owning 25% or more of the business)

2. Partnership (Limited, General, or Unlimited)

Business documents required:

  • Partnership Agreement

  • Extract from the Chamber of Commerce

  • Proof of business address (utility bill or bank statement issued within the last 3 months)

Personal documents required:

  • Photo ID and proof of residential address of all Partners or General Partners*

  • Liveness check of the authorised applicant

*If any Partner is a company instead of an individual, we’ll contact you for more details about your ownership structure.

3. Sole Trader

Business documents required:

  • Extract from the Chamber of Commerce or equivalent (if applicable)

  • Proof of business address (government-issued document dated within the last 3 months)

Personal documents required:

  • Photo ID and proof of residential address of the Sole Trader (with liveness check)

  • Photo ID and proof of residential address of the authorised applicant (if different from the Sole Trader)

Additional Information on Required Documents

Personal Documents (Photo ID)

We require a clear photo of a valid government-issued ID, such as:

  • Passport

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  • National ID card

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  • Driving Licence

Tips for ID photos:

  • Place the document flat in a well-lit area

  • Ensure all edges are visible

  • Avoid glare, blurring, watermarks, or reflections

Business Documents

1. Certificate of Incorporation

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Official proof from the government or business registry that your company is legally registered.

2. Partnership Agreement

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A signed document outlining responsibilities, roles, and ownership among business partners.

3. Proof of Business Address

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Recent bill or bank statement with the company’s legal name and address (issued within the last 3 months).

4. Authorisation Letter

Required if the person applying isn’t a company Director. Templates are available in different languages and formats.

5. Declaration of Beneficial Ownership

If ownership is unclear, you may be asked to submit a diagram showing:

  • Full name, date of birth, nationality, and ownership percentage of each UBO (anyone with 25% or more shares)

  • Shareholding details if no one owns 25% or more

  • Registration country and shareholding percentage of any intermediary entities

  • Document must be on company letterhead, signed by a Director, and dated within the last 6 months

6. New Business Supporting Documents

If your business is new, we may request:

  • Invoices, contracts, or statements

  • A business plan

7. Financial Institution Onboarding Questionnaire

If you are in financial services, you’ll need to complete a relevant questionnaire depending on your activities (e.g. handling third-party funds or using the account for operational expenses).

8. High Value Goods Questionnaire

For companies dealing in luxury or high-value goods (e.g. jewellery, fine art, luxury items).

9. Live-Streaming Questionnaire

For businesses that operate live-streaming platforms.

10. Marketplace Questionnaire

For companies running marketplace platforms.

Key Definitions

  • Director: A person who is legally allowed to represent the company and make official decisions.

  • Ultimate Beneficial Owner (UBO): Anyone who directly or indirectly owns or controls 25% or more of the company. This can include ownership through holding structures, trusts, or other arrangements.

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