Category PRO

The category describes the purpose of one transaction and attempts to ascertain the reason why the user made it. Our Category taxonomy is specialized in risk assessment and credit worthiness analysis. It can be split into 2 groups :

Entries (revenue, new financing, shareholder incoming, ...)
Expenses (loan repayments, overdraft fees, contribution paid to URSSAF, ...)

List of categories (France 🇫🇷)

Lastest version (v2)

Entries

Name	Definition	Income /Expense
INTERNAL_TRANSFER	Internal fund transfers within the same entity (e.g., between business accounts), not considered an external income source.	Income
NON_OPERATING_NEW_FINANCING	Funds received from new financing sources such as credit drawdowns or loans from banks.	Income
NON_OPERATING_SHAREHOLDER_INCOMING	Funds received from shareholders or partners, typically personal contributions to the business, which may later be reimbursed.	Income
OTHER	Uncategorized incoming transactions that do not fit any specific income category.	Income
RED_FLAG_REFUND_INCIDENT_FEES	Refunds of previously paid incident fees such as bank penalties or overdraft charges.	Income
RED_FLAG_REJECTION_ON_LOAN_REPAYMENT	Loan repayment transactions that were rejected, leading to credited funds.	Income
RED_FLAG_REJECTION_ON_PAYMENT	Outgoing payments that failed or were rejected, resulting in funds being credited back.	Income
RED_FLAG_RELEASE_FOR_ACCOUNT_SEIZURE	Funds released from a previously seized account after legal or administrative resolution.	Income
REFUND_SOCIAL	Reimbursements from social security organizations, such as overpaid social contributions or tax refunds.	Income
REVENUE	Operating income generated from business activities, including sales of products or services.	Income

Expenses

Name	Definition	Income /Expense
INTERNAL_TRANSFER	Internal fund transfers between accounts of the same entity.	Expense
NON_OPERATING_LOAN_REPAYMENT	Repayment of loans or credit obligations.	Expense
NON_OPERATING_OTHER	Other non-operating expenses that do not fit into regular OPEX categories (e.g., one-time legal settlements).	Expense
NON_OPERATING_OTHER_BANKING_FEES	Bank fees related to non-operating transactions, such as account maintenance fees.	Expense
NON_OPERATING_OVERDRAFT_FEES	Charges incurred due to overdraft usage.	Expense
NON_OPERATING_SHAREHOLDER_OUTGOING	Payments made to shareholder.	Expense
NON_OPERATING_TAX	Taxes paid that are not directly related to business operations, such as corporate income tax.	Expense
OPEX_OTHER	General operational expenses that do not fall into specific categories.	Expense
OPEX_OTHER_REGULAR	Recurring supplier payments (e.g., services from Google, Chronopost, Amazon).	Expense
OPEX_SOCIAL_OTHER	Social-related operational expenses such as retirement fund contributions or mutual health insurance (not general insurance).	Expense
OPEX_SOCIAL_URSSAF	Mandatory social security contributions paid to URSSAF (Union responsible for collecting social security contributions and family allowances in France).	Expense
OPEX_WAGES	Payments related to employee salaries and wages.	Expense
RED_FLAG_BAILIFF	Expenses incurred due to legal enforcement procedures handled by a bailiff.	Expense
RED_FLAG_DEBT_COLLECTION	Payments made for debt collection services.	Expense
RED_FLAG_FEES_FOR_ACCOUNT_SEIZURE	Fees paid due to the seizure of an account following legal actions.	Expense
RED_FLAG_INCIDENT_FEES	Charges paid due to financial incidents such as bounced checks or late payment penalties.	Expense
RED_FLAG_PROVISION_FOR_ACCOUNT_SEIZURE	Funds set aside in anticipation of a possible account seizure.	Expense

Last updated on Mar 25, 2025

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