Tenants
Mobile app: rent payment, receipts, history, prepaid account.
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Offer 04
Loyer Flex
Every rent payment becomes an automatic tax event: the landlord is credited with the net amount instantly, the withholding tax is credited to the ring-fenced tax account, the lease and the receipt are time-stamped. No public investment.
The starting point
A withholding tax provided for by law, almost impossible to collect.
Withholding tax on rents exists in most general tax codes. The obligation falls on the tenant; it is final or creditable for the landlord. In the private-to-private market, which accounts for most leases, it is almost never applied.
Field inspection is costly and yields little. Loyer Flex moves the withholding into the payment flow itself: it is calculated, deducted and ring-fenced at the moment the rent is paid, with no extra step for the tenant or the landlord.
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How it works
01
The lease is declared
Tenant and landlord are identified, the lease is time-stamped and its registration with the administration is facilitated from the app.
02
The tenant pays the rent
By mobile money, card or from their Loyer Flex prepaid account, on the agreed date, with an automatic reminder.
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The withholding is calculated and ring-fenced
At the rate set by the country's general tax code, credited to the ring-fenced tax account and remitted to the Treasury on the legal due date.
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The landlord receives the net amount and the receipt
Instantly, with an enforceable time-stamped receipt and an annual statement ready for their tax return.
05
The tax administration sees everything
Dashboard of leases, rents and withholdings, pre-filled returns, inspection targeted only at anomalies.
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Four applications, one register
Individual landlords
Mobile app: leases, net receipts, receipts, annual statement.
Professional landlords and agencies
Web back office: property portfolio, reconciliation, accounting exports.
Tax administration
Web back office: supervision, ring-fencing, remittances, access partitioned by officer.
The Loyer Flex prepaid account
A closed account, dedicated to paying rent, that the tenant tops up at their own pace.
Funds are ring-fenced with a licensed payment institution. Paying rent from the account is free of charge; the balance is capped with reference to the rent and deposit, and refunded at the end of the lease. The account lets the tenant smooth their effort and the landlord be paid on time.
Model
No public investment. NovaGov funds and operates the platform.
Results-based remuneration. A commission only on withholdings actually remitted to the Treasury, after a free launch period.
Data ownership. Tax data belongs to the State.
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What it changes
For the tenant
- Rent paid in seconds, with an instant receipt.
- No tax formality: the withholding is done for them.
- A prepaid account to smooth their outgoings.
For the landlord
- Net amount credited instantly, every month, without chasing.
- Proof of tax payment and an annual statement.
- Registered, enforceable leases.
For the State
- A withholding collected at source on a market so far out of reach.
- A register of leases and rents updated continuously.
- Inspection targeted at anomalies rather than in the field.
Compliance
Loyer Flex is designed within the country's general tax code, its personal data protection law, the regulations applicable to payment institutions and ring-fenced accounts, and anti-money-laundering obligations. The basis of the withholding (legal obligation or contractual mandate) is traced for every lease.
A digital tax reform, not just a product
We support the Ministry of Finance from the opportunity note to the agreement, with a scenario-based financial model in which every assumption is sourced.