OFM legal
Full Legal Infrastructure
They help you set up contracts, companies, banking, payout systems, money flows and offer a scam recovery service.
CourseFree
The Legal Blueprint for OFM: Company set up, Accounting, Money flows, Payout systems, Legal contracts, and optimize your Taxes.
Protect and grow your OnlyFans business: learn how to manage contracts, invoices, company setup, payouts, money flows and taxes like a pro.
Free. You only need a member account to watch.
- Video
- 3 h 22 min
- Lessons
- 25
- Taught in
- French
- Subtitles
- English, French, German, Italian, Portuguese, Spanish
- Price
- Free
Overview
About this course
Taught in French by Olivier, a former business lawyer who now advises OnlyFans creators and agencies, this course covers the legal and financial setup of an OFM business, mostly from a French point of view. One rule runs through every lesson: everyone in the chain (creator, agency, chatters, VAs, other providers) should be registered, work B2B under a contract, issue invoices and get paid on a professional account.
The first chapters compare the micro-entreprise with companies (EURL, SARL, SAS, SASU), then cover fast registration with Legalstart, social security regimes, income tax versus corporate tax, French start-up aid (ARE, ARCE, ACRE), accounting obligations, compliant invoices, business bank accounts and payout channels (SEPA, Paxum, Skrill, Cosmo). A long lesson explains VAT on OnlyFans and MYM: the platform collects VAT on fan purchases, so a creator billed VAT by her agency can end up with a VAT credit to reclaim.
Olivier then walks through three contract templates (management, business introducer, service provider) clause by clause, and repeatedly explains how an agency that collects payouts or pays a model a fixed amount risks having the relationship reclassified as employment. The final chapter covers international taxation, US LLCs and the red flags that trigger audits.
Outcomes
What you will learn
- Choose between a micro-entreprise and a company (EURL, SARL, SAS, SASU) based on revenue, partners, budget and how long-term the project is
- Register quickly, open a professional bank account and collect the documents (registration proof, contract, business bank details) to ask for before working with any model, chatter or VA
- Issue compliant invoices with all mandatory mentions, including the VAT exemption mention for micro-entrepreneurs, and keep payout statements and proofs for ten years
- Understand VAT on OnlyFans and MYM: why the creator's 80% carries no VAT, which agency and model status combinations lose VAT, and how a VAT credit is reclaimed
- Organise payouts and money flows (SEPA, Paxum, Skrill, Cosmo, escrow through a trusted third party) without putting the agency's bank account on the creator's OnlyFans
- Fill in and adapt a management contract, a business introducer contract and a service contract for chatters or marketing providers, and sign them electronically
- Recognise the facts that get a model or freelancer relationship reclassified as employment, and the risks of exclusivity clauses and fixed monthly pay
- Judge when a foreign structure such as a US LLC or a move abroad makes sense, based on personal tax residence, company management and real substance
Audience
Who it is for
- French-speaking OnlyFans agency owners, managers and creators starting out or formalising an existing activity, especially in France
- Chatters, VAs and other freelancers working for agencies who need to register and invoice correctly
- Beginner level: no legal or accounting background needed; the content is educational and does not replace personalised advice
Syllabus
Course content
6 modules · 25 lessons · 3 h 22 min
- 01Presentation of Olivier, expert in OnlyFans law and strategy.Video lesson5:19Olivier introduces the course and its disclaimer (educational content, not legal, tax or accounting advice; templates used at your own risk). He presents his background as a former business lawyer who structured investment funds in Luxembourg and Paris and an HEC Paris graduate, and the work he now does for creators and agencies: contracts, VAT, payouts and fund recovery.
- 02What this training will give youVideo lesson3:01The course roadmap: how to register, micro-entreprise versus company, the pitfalls to avoid (undeclared activity, personal accounts, fake invoices), cashing out payouts on a professional account, invoicing and VAT on platforms, the key contracts with models, chatters, VAs and introducers, electronic signature, and an international option on US and Dubai structures.
- 03Stay 100% legal: the foundation to never have any problemsVideo lesson6:44The foundations for staying legal: declare all income and pay taxes, create a legal structure within 30 days of starting, use French solutions if you are French, and know what triggers audits. Olivier explains when to rely on lawyers and accountants and points to official French resources such as Bpifrance and the public business service site.
- 04The OF ecosystem: who does what & who needs to register?Video lesson7:11Maps the OnlyFans ecosystem: model, platform, manager or agency (chatting, marketing or 360), chatters, VAs and other providers. Every link is a contract with invoices and payments to professional accounts. Olivier covers who must register, why the OnlyFans account belongs to the creator, and costly mistakes such as unregistered providers and payments without invoices.
- 05Declaring OnlyFans income: the model’s caseVideo lesson5:44Clarifies the model's case: she can start on OnlyFans or MYM without a company but must declare all income from the first euro. Occasional income goes in the yearly return; regular monthly income means registering. Covers French options, the US sole proprietor and W-9 route, and checking local rules elsewhere.
- 06Choosing among the different legal structuresVideo lesson18:46Compares the sole proprietorship (including the micro-entreprise regime and its 77,700 euro service ceiling) with companies (EURL, SARL, SAS, SASU): liability, cost, formalities, accounting and audit exposure. Olivier lists the wrong approaches, such as starting without a structure or copying a partner's setup, and the questions to ask before choosing.
- 07Register quickly and efficiently: fast-track procedures based on your roleVideo lesson4:18The practical steps to become operational: declare the activity and get a SIREN or SIRET number, open a professional bank account, and use contract and invoice templates. Before working with anyone, ask for proof of registration, a signed contract and professional bank details, and keep every document for ten years.
- 08The social security system for businessesVideo lesson4:56Explains French social security regimes and how they depend on the legal form and your role. Paid presidents of an SAS or SASU fall under the general regime (best coverage, high contributions, no unemployment insurance); micro-entrepreneurs and sole managers of an EURL fall under the cheaper self-employed (TNS) regime with lighter coverage.
- 09Business taxationVideo lesson9:37Separates personal taxation (progressive income tax from 11% to 45%) from corporate tax (25%, or 15% on the first 42,500 euros of profit for eligible small companies). Covers the micro-entreprise flat tax payment option, BIC versus BNC income, the choice between income tax and corporate tax, and the VAT exemption threshold and invoice mention.
- 10Public aid and fundingVideo lesson6:32Reviews financing options and why bank loans and crowdfunding are rarely needed in a cash-flow business. Focuses on French public aid for unemployed founders: keeping unemployment benefits (ARE) while launching, taking part of them as start-up capital in two instalments (ARCE), and the first-year social contribution exemption (ACRE).
- 11Create your business structure in 30 minutes (Legalstart & alternatives)Video lesson2:38Presents Legalstart, an online service that standardises company statutes and registration so you can set up a structure in about 30 minutes: answer a questionnaire, have the file checked internally, and let them handle the filing. Olivier weighs speed and cost against the lack of personalised advice for specific cases.
- 12Accounting obligations and standardsVideo lesson9:33Opens the accounting chapter: what accounting is for, penalties for missing records, and how long to keep each type of document. Olivier compares the normal real, simplified real, ultra-simplified and micro-entreprise regimes, their thresholds and VAT consequences, and explains why even a micro-entrepreneur benefits from an accountant.
- 13InvoicingVideo lesson7:00How to invoice like a professional: invoices versus quotes, paper or electronic format, foreign currencies and crypto with conversion to euros, and the mandatory mentions (date, sequential number, parties, SIREN, VAT details or the article 293 B exemption). Each missing mention can cost a 15 euro fine, capped at 25% of the invoice.
- 14Opening a business bank accountVideo lesson5:00Why business and personal money must be separated, and when a dedicated account becomes compulsory. Olivier compares traditional banks (secure for large sums, less flexible) with online banks (sub-accounts, virtual cards), recommends having one of each, mentions options such as Qonto, Revolut Business, Wise and Shine, and warns about unregulated crypto platforms.
- 15Payouts & cash flowVideo lesson14:49How payouts work: OnlyFans keeps 20% and pays 80% to the creator via SEPA, Paxum, Skrill or Cosmo (Cosmo Business requiring a US LLC). Olivier explains why the agency's account should not collect the creator's income, how escrow through a trusted third party secures splits, and how to pay offshore chatters with invoices.
- 16VAT & platforms (OnlyFans/MYM)Video lesson16:59VAT on OnlyFans and MYM explained with examples: OnlyFans collects VAT on fan purchases (confirmed in the Fenix case), so the creator's payout has none. Olivier goes through each combination of model and agency status in France, the EU and abroad, how to reclaim a VAT credit with form 3519, the UK case and an audit checklist.
- 17Creator’s tax number: procedures and usesVideo lesson1:51A short walkthrough of where a French creator finds her tax number, which OnlyFans asks for at registration: on a past tax return or tax notice, or through the personal space on impots.gouv.fr, including what to do if she has never logged in.
- 18The contract and electronic signatureVideo lesson16:32The legal basics of a contract: consent, capacity (verify ID and age), object and cause, binding force and limits set by the law. Olivier explains why written contracts beat verbal ones, lists mandatory and recommended clauses (confidentiality, non-compete, penalties, arbitration, governing law, competent court) and how electronic signature through DocuSign works.
- 19Management services contractVideo lesson12:54A clause-by-clause walkthrough of the management services contract template between a model and her agency: parties, preamble, defined terms such as the online platform, services, remuneration, duration and notice, exclusivity, the no-subordination clause, liability, GDPR, electronic signature and governing law. Olivier explains why it does not fit setups where the agency pays the model.
- 20The contract with business introducers (referrers)Video lesson2:53Presents the business introducer contract template for people who bring models to an agency in exchange for a commission. It follows the same structure as the management contract, with a preamble describing the introducer's network, the platform and territory covered, remuneration as a percentage of revenue, and duration.
- 21The service contractVideo lesson4:19Covers the general service contract template for chatters, community managers or marketing agencies that only handle traffic. Olivier shows how to describe the services precisely, set fixed or task-based pay, duration and notice, and keep the chatter a freelancer free to work for other clients rather than a disguised employee.
- 22International taxation: what you need to know before getting into itVideo lesson15:07The basics of international taxation: personal tax residence (the French criteria of home, more than six months, main activity and economic interests) versus where a company is effectively managed. Olivier explains worldwide versus territorial taxation, permanent establishment, why a US LLC brings nothing to a French resident, and what real substance requires.
- 23Risks & bad practices: what can really cost you a lotVideo lesson14:20The red flags that trigger audits: inconsistent returns, foreign companies managed from France, mixed money flows, undeclared providers and unexplained crypto transfers. Olivier covers abuse of law, tax substance, bank and Tracfin blocks he has experienced, common misconceptions about LLCs and Dubai free zones, and a five-step checklist.
- 24US LLC (Delaware/Wyoming)Video lesson1:26A short note on US LLCs (Delaware, Wyoming): tax-transparent companies that only make sense for people living in countries that do not tax worldwide income, which excludes France. For setup, EIN and banking with Mercury, Olivier refers learners to the dedicated LLC module.
Taught by
Your instructor
Olivier
Legal and tax consultant at OFM Legal
Olivier is a lawyer by training and an HEC Paris graduate with seven years of experience, who worked as a business lawyer structuring investment funds in Luxembourg and Paris for clients in the UK, the US and Europe. Through OFM Legal he now advises OnlyFans creators and agencies, including top 0.1% creators, on company structures, taxation, contracts, VAT and payouts, and negotiates fund recovery on a success-fee basis when an agency or a model has not been paid. He is no longer registered with the bar and provides tax consulting from Poland, where he is tax resident.
More about Olivier
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FAQ
Frequently asked questions
Not to test. Olivier explains that a creator can start without a structure as long as she declares every euro earned; occasional income is declared in the yearly tax return. Once income comes in every month the activity is regular and she must register, usually starting as a micro-entreprise.
Olivier advises against it. The OnlyFans account belongs to the creator, and an agency that collects the revenue and pays the model a fixed amount risks the relationship being reclassified as employment, with social contributions, paid leave and penalties. He suggests escrow through a trusted third party who splits payouts according to the contract.
OnlyFans is liable for VAT on what fans pay, so the creator's payout carries no VAT she can offset. If her agency charges VAT, she ends up with a VAT credit she can reclaim if she is VAT-registered (form 3519 in France); a micro-entreprise model under the VAT exemption simply loses it.
No, according to Olivier. France taxes residents on worldwide income and an LLC is tax-transparent, so a French resident is taxed in France and must declare the LLC. It only makes sense for people living in countries that tax local income only, such as Dubai or Panama, with real substance.
Registration steps, statuses, aid and VAT forms are French, but the principles (declare income, register, contracts, invoices, professional accounts) apply everywhere, and one lesson covers the US and other countries. Management, introducer and service contract templates are linked from the contract lessons and must be adapted to your case.
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