Qlower

Qlower offers a platform automating financial and administrative tasks for real estate investors. It provides integrated solutions for rental management, accounting, and tax declarations, tailored for various property investment structures. The platform centralizes financial data, simplifies regulatory compliance, enabling users to efficiently manage portfolios and optimize fiscal outcomes.

Founded in 2020 in Paris, France, Qlower was established by Marc Lebreton, Christophe Duprat, Jean-Marc Le Prado, and Arnaud Gayot. Their collective insight stemmed from the administrative burden and complexity real estate investors faced with accounting, tax, and property administration, leading to their automated solution.

The platform serves diverse clients, including private individuals, prop-tech companies, and accounting firms. Offering an intuitive, automated system, Qlower empowers users to control investments. The company's vision is to be the premier partner for real estate financial management, enabling investors to focus on growth through simplified property ownership and taxation.

Qlower is a Paris‑based PropTech that automates landlords’ accounting, tax reporting and rental portfolio management using open banking and machine learning to deliver real‑time accounts, expense categorization and tax optimization for property owners and professional partners[1][4].

High‑Level Overview

Qlower builds a SaaS platform and expert service that automates rental accounting, tax declaration and portfolio performance monitoring for landlords, property investors and B2B partners such as PropTechs, banks and real‑estate networks[4][1]. The product continuously links bank transactions to rental assets, identifies missing expenses, categorizes costs into the correct tax regimes and generates compliant tax returns and receipts, reducing manual bookkeeping and lowering tax bills for users[1][4]. Qlower sells both B2C subscriptions and B2B integrations/partnerships and reports rapid early traction in France (thousands of managed assets and strong revenue growth), positioning it for European expansion[1][4].

Origin Story

Qlower was founded in 2020 in Paris by a four‑person founding team that combines real‑estate investment, banking technology, asset management and qualified accounting expertise; founders include Christophe Duprat (CEO) alongside co‑founders with complementary roles such as CTO and accounting specialists[2][4]. The idea emerged to remove the recurring pain of manual receipt uploads, error‑prone tax returns and fragmented landlord workflows by combining open banking feeds with ML classification and on‑demand tax expertise; early signals of product‑market fit include certification (Finance Innovation & French Tech), several thousand assets onboarded and strong revenue CAGR in the French market[4][1].

Core Differentiators

• Automated, bank‑linked accounting: real‑time reconciliation and continuous accounting driven by open banking to eliminate manual uploads[1][4].
  - Tax optimization + compliance: automated categorization mapped to French tax regimes (LMNP, LMP, SCI, bare rentals) plus expert validation and teletransmission of returns[4].
  - Hybrid product + expert service: combination of software automation and human tax/accounting experts for audits and filings (pre‑assessments, personalized support)[4].
  - B2B distribution & partnership model: revenue primarily from partnerships with PropTech firms, banks and real‑estate networks that embed Qlower services[1].
  - Environmental and social positioning: product guidance highlights energy renovation opportunities and aims to reduce rental homes’ energy consumption, reflecting stated ESG values[2].
  - Track record and metrics: thousands of managed assets (+9,500 assets claimed on marketing), millions in analyzed transactions, and cited revenue growth supporting early scale in France[4][1].

Role in the Broader Tech Landscape

Qlower sits at the intersection of PropTech, embedded finance and regtech by bringing open banking, ML classification and tax automation into rental property management[1][4]. The company is riding multiple trends: increased adoption of open banking APIs across Europe, growing demand from small landlords for automation and compliance, and fintech/PropTech partnerships that embed backend services into customer journeys[1][4]. Timing favors Qlower because regulatory emphasis on financial transparency and digital filing is growing, and European landlords are an underserved, sizable market that can be aggregated through bank integrations and channel partnerships[1]. By automating tax filing and highlighting energy renovation tax incentives, Qlower also nudges capital and decision‑making toward asset upgrades, creating an influence beyond pure accounting into asset performance and sustainability[2][4].

Quick Take & Future Outlook

What's next: scaling beyond France into larger European markets via partnerships with banks and PropTech platforms, internationalizing tax/regulatory logic, and deepening product automation (broader ML coverage, richer analytics and embedded financing/offers)[1][4]. Key trends that will shape Qlower’s trajectory include wider open‑banking availability across EU countries, consolidation among PropTech vendors (creating distribution opportunities), and increasing landlord demand for turnkey digital services that combine software with expert compliance[1][4]. Risks and challenges include adapting to diverse tax regimes across countries (product complexity), competition from incumbent accounting/tax players and specialist local vendors, and the operational burden of maintaining expert validation at scale[1][4]. If Qlower successfully productizes regulatory differences and scales its B2B channels, it can become a standard utility for rental accounting and tax filing across Europe, tying back to its core promise of turning tax complexity into a near‑automatic, value‑creating service for landlords[4][1].