Optimise your tax position
in Andorra.
Holding structures, income, dividends, capital gains, estate transmission: we design the tax and wealth architecture that sustainably reduces your tax burden, drawing fully on international treaties and genuine economic substance.
Wealth advisory
A bespoke strategy,
not a off-the-shelf solution.
Every wealth profile is unique. We start from your real situation — income, assets, shareholdings, succession goals — to build a robust, transparent and lasting structure.
Bespoke
An architecture designed for you, with full financial projections and clear explanations — never a standard template.
Robust & enduring
International treaties and genuine economic substance: your tax advantage holds firm over the long term.
A single point of contact
A dedicated bilingual adviser who oversees the design, implementation and ongoing management of your strategy.
Four optimisation pillars.
Depending on your profile, we activate the most relevant levers — always combined into a coherent, integrated strategy.
Income structuring
Organising the receipt of your income and dividends: Andorran-source dividends are exempt from personal income tax, and IRPF is capped at 10%.
Holding companies & shareholdings
Holding your stakes — including French subsidiaries — through an Andorran holding that, subject to conditions, receives foreign dividends and capital gains on an exempt basis.
Capital gains & business sales
Preparing the sale of your shares or business within an optimal tax framework, with careful advance planning around treaties and substance.
Estate & wealth transfer
Passing on your assets with no inheritance tax, no gift tax, and no wealth tax — a framework that is genuinely rare in Europe.
From audit to ongoing support,
in 4 steps.
A rigorous, fully documented process managed by your dedicated adviser.
Wealth & tax audit
We map your income, assets, shareholdings and objectives, along with your current tax exposure.
Bespoke strategy
We design the optimal architecture — holding structure, income arrangement, transmission scheme — with full financial projections and clear explanations.
Implementation
Company formation, substance establishment, filings and declarations: we coordinate every step end to end.
Monitoring & adaptation
Regulatory watch and ongoing refinement of your strategy year after year, in line with legislative changes and your evolving situation.
An optimisation that stands
the test of time.
A tax advantage only has real value if it lasts. Our strategies are built on solid, internationally recognised foundations — delivering lasting benefits with no unpleasant surprises.
Genuine economic substance
Management, resources and effective presence in Andorra: your structure has real consistency, making it robust and enduring.
International tax treaties
A network of double taxation agreements — including France — that secures your income flows and wealth on a lasting basis.
A clear and recognised framework
Transparent structures in full compliance: an advantage that nothing can undermine.
Long-term monitoring
We adapt your strategy to legislative changes year after year, ensuring it remains optimal at every stage.
The advantage, in figures.
Key tax rates compared with France.
| Tax | France | Principalityof Andorra |
|---|---|---|
| Corporate income tax | 25% | 10% |
| Dividends (Andorran source) | 30% (flat tax) | 0% |
| Wealth tax | IFI up to 1.5% | None |
| Inheritance tax | up to 45% | None |
| Indicative rates. Network of double taxation agreements (France, Spain, Portugal, Luxembourg, UAE…). France–Andorra tax treaty of 2 April 2013. | ||
Tax optimisation in Andorra: your questions answered.
What is an Andorran holding company?
It is a company dedicated to holding shareholdings. Subject to conditions and regulatory approval, an Andorran holding company receives dividends and capital gains from its foreign subsidiaries on an exempt basis, and distributes to shareholders with no withholding tax.
Can I hold my French companies through an Andorran holding company?
Yes. Thanks to the France–Andorra tax treaty, an Andorran holding company can receive dividends and disposal gains from a French subsidiary in an optimised framework, provided it has genuine economic substance in Andorra — which we structure on your behalf.
How are dividends taxed?
Dividends of Andorran source are exempt from IRPF for an Andorran resident. Foreign dividends are taxed as savings income at 10%, with an annual allowance on the first tranche of savings income.
Is there a wealth tax or inheritance tax in Andorra?
No. Andorra has no wealth tax, no inheritance tax and no gift tax. It is one of the most favourable frameworks in Europe for wealth preservation and intergenerational transfer.
How long does it take to implement a strategy?
Depending on complexity, from a few weeks to a few months: audit, design, company formation and substance establishment. We agree a precise timeline from the very first consultation.
Is a real presence in Andorra required?
Yes — and that is precisely the strength of the approach: genuine presence (management, resources) gives your structure its full robustness and longevity. This is the core of what we deliver.