كل عام وأنتم بخير
عيد أضحى مبارك
Eid al-Adha Moubarak — Peace, health & prosperity to all
Qimma Partners

Algeria · Financial & Strategic Advisory

Your investment,
our commitment

Financial Advisory · Investment Consulting · Tailored Support

A team of professionals by your side to structure, finance
and bring your investment projects to success in Algeria.

Our services Get in touch
COMBINED
EXPERTISE
Years dedicated to
your projects
ESTABLISHED
NETWORK
Banking & institutional
partners
NATIONAL
PRESENCE
Coverage across
all 58 wilayas
TAILORED
APPROACH
Every file handled
with precision
Scroll

Who we are

Qimma Partners,
far more than a consulting firm

A trusted partner for your ambitions

Founded by a team of finance, law, and strategic consulting professionals, Qimma Partners is an Algerian firm dedicated to supporting entrepreneurs, SMEs, and investors in achieving their projects.

Our name, Qimma (قمّة), means "summit" in Arabic — a symbolic promise of excellence, ambition, and achievement. Like our logo, we help our clients reach the peaks of their financial and strategic goals.

We operate across all of Algeria with in-depth knowledge of local institutional, banking, and regulatory mechanisms.

Expertise in the Algerian market and its regulatory specifics
Extensive network of banking and institutional partners
Holistic approach: financial, legal and strategic
Absolute confidentiality and irreproachable professional ethics

Every project deserves a tailored strategy, driven by experts who understand the realities on the ground in Algeria.

— The Qimma Partners Team

Our Mission

To democratize access to quality financial advisory for all Algerian project holders.

Our Vision

To become the benchmark for investment advisory in Algeria by 2030.

Business Services

Funding & Corporate Advisory

We structure and support your investment projects from A to Z — from file preparation to funding approval and beyond.

Whether you are a startup seeking initial funding, an SME in a growth phase, or a large group looking to optimize your financial structure, Qimma Partners offers you comprehensive, personalized support.

We master the Algerian banking system, public investment support schemes (AAPI, wilaya funds, ANDI) and Islamic financing alternatives — to offer you the most suitable solution.

Our team supports you at every stage: feasibility analysis, file preparation, bank negotiation, approvals, and follow-up until fund disbursement.

✅
Turnkey filesWe handle the entire administrative and financial setup.
🤝
Established banking networkPartnerships with major public and private banks in Algeria.
⚡
Optimized timelinesOur knowledge of the systems significantly accelerates processing times.
Funding 🏦

Conventional Bank Financing

We handle the complete preparation of your financing files with Algerian banks — public and private.

  • Financial feasibility analysis
  • Business plan & financial projections
  • Complete bank file preparation
  • Negotiation of financing terms
  • Follow-up until fund disbursement
Islamic Finance 🌙

Sharia-Compliant Alternative Financing

Ethical financing solutions compliant with Islamic principles, tailored for conscientious entrepreneurs.

  • Ijara (Islamic leasing)
  • Murabaha (installment sale)
  • Musharaka (profit sharing)
  • Mudharaba (participatory financing)
  • Sharia compliance advisory
Capital 📊

Equity Financing

Access equity financing to strengthen your capital structure without increasing your debt.

  • Private equity
  • Access to wilaya funds
  • Seed funding for startups
  • Capital table structuring
  • Investor matchmaking
Equipment ⚙️

Leasing & Asset Financing

Finance your equipment and assets without tying up your cash flow with leasing solutions tailored to your activity.

  • Equipment leasing (machinery, vehicles)
  • Commercial property leasing
  • Market offer comparison
  • Tax optimization of contract
  • End-of-contract management
Institutional 🏛️

AAPI Files & Public Schemes

Navigate the administrative complexities of public investment schemes in Algeria with confidence.

  • AAPI files (ex-ANDI)
  • Tax and customs benefit applications
  • Free zones and EIZ
  • Ministerial approval follow-up
  • Post-creation support
Analysis 🔍

Rate Analysis & Financial Watch

Get a clear, comparative view of the Algerian financial market to make the best investment decisions.

  • Banking offer benchmarking
  • Analysis des taux et conditions
  • Regulatory and financial monitoring
  • Customized market reports
  • Funding opportunity alerts

Qimma Partners at a glance

Expertise at the service of your success

+200
Projects funded
15+
Years of experience
58
Wilayas covered
98%
Satisfied clients

Multidisciplinary expertise

360° support

Beyond financing, our team covers all strategic, legal, and operational dimensions of your project.

⚖️

Legal Advisory

Business law · Commercial law

Our legal team supports you on all business law matters related to your investment project or company creation in Algeria.

  • Drafting and review of commercial contracts
  • Choice of optimal legal structure (LLC, JSC, etc.)
  • Partnership and joint venture agreements
  • Commercial litigation and mediation
  • Regulatory compliance
📉

Sector Studies

Analysis de marché · Intelligence économique

We conduct in-depth market studies to help you understand your sector, identify opportunities, and anticipate risks before investing.

  • Analysis de la concurrence et du positionnement
  • Demand and market trend analysis
  • Mapping of key sector players
  • Analysis SWOT et recommandations stratégiques
  • Identification of niches and emerging opportunities
📣

Marketing Strategy

Positioning · Go-to-market

We help you define and deploy an effective marketing strategy adapted to the Algerian market and local consumer behavior.

  • Brand positioning and identity
  • Product/service launch strategy
  • Digital marketing and social media plan
  • Pricing studies and strategy
  • Distribution and sales network strategy
🔎

Corporate Audit

Assessment · Due diligence

Our audit assignments provide a clear, objective view of your company's financial, operational, and organizational health.

  • Financial and accounting audit
  • Due diligence for acquisitions and divestitures
  • Organizational and operational assessment
  • Regulatory compliance audit
  • Audit report with prioritized action plan
💰

Tax Optimization

Corporate taxation · Tax engineering

Legally reduce your tax burden through smart tax planning and optimal use of exemption schemes available in Algeria.

  • Tax audit and risk identification
  • Legal and tax structure optimization
  • Utilization of AAPI benefits and free zones
  • VAT and direct tax management
  • Tax disputes and audit support
📋

Complex Financial Structuring

Financial engineering · Structuring

For large-scale projects requiring sophisticated financial structuring, we design tailored arrangements combining multiple funding sources.

  • Mixed financing (equity + bank debt)
  • Public-private partnership (PPP) structuring
  • Complex real estate project structuring
  • Fundraising from institutional investors
  • Bank syndication for large projects

How we work

Our approach en 4 étapes

A structured and transparent process to maximize your chances of success, from the first meeting to project completion.

01

Diagnostic & Analysis

In-depth assessment of your project, needs, and financial situation. Identification of the most suitable solutions.

02

Strategy & Action Plan

Development of a personalized roadmap, selection of financial partners, and definition of the optimal financing structure.

03

Setup & Execution

Complete file preparation, document drafting, negotiation with banks and institutions, active file follow-up.

04

Follow-up & Support

Post-financing support, monitoring of contractual obligations, and ongoing assistance to ensure project sustainability.

For individuals

Your personal projects, our priority

Build your financial future

Qimma Partners is not only for businesses. We also support individuals with their personal savings, real estate investment, and entrepreneurship projects.

Whatever your profile — employee, civil servant, diaspora member, or young entrepreneur — we offer advice tailored to your personal situation and life goals.

Our educational and transparent approach allows you to make informed financial decisions with confidence.

"We believe that every Algerian deserves access to quality financial advice, regardless of the size of their project."

01

Savings Advisory

Build and grow your wealth through personalized savings strategies adapted to your tax situation and life goals.

  • Complete wealth assessment
  • Selection of suitable savings products
  • Retirement and provident savings
  • Tax optimization of savings
  • Diversified investment advice
02

Mortgage Loans

Realize your real estate project — primary residence, rental investment, or social housing — with complete support from financing search to key handover.

  • Borrowing capacity simulation
  • Mortgage file preparation
  • AADL, LPP, LPA, LSP financing
  • Islamic mortgage (Murabaha)
  • Negotiation of best terms
03

Banking Advisory

Choose the bank and products best suited to your profile, income, and projects to optimize your daily banking.

  • Comparison of Algerian banking offers
  • Foreign currency account advice
  • Bank fee optimization
  • Introduction to partner banks
  • International transfer support
04

Startup Creation

From idea to launch, we guide you through every step of creating your business, from administrative formalities to finding initial funding.

  • Feasibility study and concept validation
  • Choice of optimal legal status
  • CNRC registration and formalities support
  • Business plan and funding search
  • ANSEJ / ANEM / CNAC schemes

Trusted by our clients

What our clients say about us

Client satisfaction is our best business card. Here are some testimonials from those who trusted Qimma Partners.

"

Thanks to Qimma Partners, we secured bank financing for our production unit in under 3 months. Their expertise of the Algerian banking system is unmatched.

K
Karim B.
CEO, Agri-Food Industry · Sétif
"

As an individual, I struggled with the AADL procedures. The Qimma team supported me from A to Z with remarkable patience and professionalism.

S
Sarah M.
Teacher · Algiers
"

The financial structuring of our hotel in Oran required complex arrangements. Qimma Partners orchestrated everything with impressive mastery of available schemes.

A
Ahmed T.
Hotel Investor · Oran

Frequently asked questions

Everything you need to know

Have questions about our services or financing procedures in Algeria? We have the answers.

How much do your advisory services cost?

+
Our fees vary depending on the nature and complexity of the assignment. We offer packages tailored to each type of file, as well as performance-based formulas for certain financing assignments. Contact us for a personalized, no-obligation proposal.

What types of projects do you support?

+
We support all types of projects: business creation, expansion, equipment acquisition, real estate investment, industrial, tourism, agricultural, or technology projects. There is no minimum amount — we evaluate each file on its merits.

What is the average time to obtain financing?

+
Timelines vary depending on the type of financing. For conventional bank loans, expect 2 to 4 months on average. For AAPI files or Islamic financing, timelines range from 3 to 6 months. Our involvement typically reduces these timelines by 30 to 40% thanks to our knowledge of the systems.

Do you work with clients from all over Algeria?

+
Yes, we operate across all 58 Algerian wilayas. Through our digital tools and local partner network, we can support clients remotely or travel on-site for files requiring physical presence.

Do you offer Sharia-compliant financing?

+
Absolutely. We specialize in Islamic finance solutions (Ijara, Murabaha, Musharaka) and work with Algerian banks offering these products. We guide you to the most suitable instruments for your project while respecting your beliefs.

How does the first meeting work?

+
The first meeting is free and non-binding. It lasts about 1 hour and allows us to understand your project, assess its feasibility, and present suitable solutions. After this meeting, we provide a detailed support proposal.

News

Financial Watch

Latest publications from Algerian financial institutions, updated daily.

Last updated: 20/05/2026 at 01:32
Law No. 25-17 of December 14, 2025

Finance Law 2026

Key tax and financial measures

🏛 Tax Procedure Simplification

  • Professional Training Tax — Semi-annual declaration instead of annual, payment by the 20th of the month following each semester.
  • Advance Payment Refunds — 4-year deadline to request refund of excess IRG/IBS advance payments.
  • Reduced VAT at 9% extended to rehabilitation of old residential properties, health establishment catering/accommodation, approved professional training, and bus passenger transport.

🌍 Foreign Companies Tax Regime

  • Real-regime option abolished for non-resident foreign companies — exclusively subject to IBS withholding tax.
  • Branch profits now deemed distributed to the parent company and taxable as such.
  • EPC (turnkey) projects — all profits realized in Algeria taxable locally, including equipment supply.
  • Intra-group transactions non-deductible (patents, interest, royalties, internal services).

🛡 Tax Amnesty & Voluntary Regularization

  • Voluntary regularization — simplified declaration with a single 8% discharge tax, no penalties. Deadline: December 31, 2026.
  • Cancellation of tax debts from fiscal year 2011 and prior.
  • Unpaid debts as of 12/31/2025 — payment by 12/31/2026: penalty cancellation + 30% flat reduction on principal tax.

⚖ Anti-Fraud Reinforcement

  • Aggravated fraud (organized, cyberfraud, transnational): 5 to 10 years imprisonment and/or DA 5-10 million fine.
  • Increased VAT penalties to strengthen deterrence.

Law No. 25-17 of 23 Joumada Ethania 1447 corresponding to December 14, 2025 — Official Journal.

Law No. 24-08 of November 24, 2024

Finance Law 2025

Key tax and financial measures

💡 Investment & Innovation Support

  • R&D and open innovation — 30% deduction of accounting profit (cap DA 200 million) for R&D and open innovation expenses.
  • Startups and incubators — exemption from transfer duties on real estate acquisitions, 2-year extension of IRG/IBS exemptions.
  • 50% IRG/IBS reduction renewed for 5 years in the Great South wilayas (Illizi, Tindouf, Adrar, Tamenghasset, etc.).

🏗 Strategic Investments

  • Reduced VAT at 9% for tourism, hotel, spa, and tourist vehicle rental activities — extended until December 31, 2027.
  • Fertilizer production classified as a strategic sector (51/49 local partnership rule).

📋 Tax Control Reinforcement

  • Tax administration's right to information redefined — document retention extended to 10 years for legal documents.
  • Increased penalties: DA 2 million for refusal to communicate, DA 50,000 per day of delay (cap DA 2 million).
  • Single Flat-Rate Tax (IFU) — new assessment methods introduced.

Law No. 24-08 of 22 Joumada El Oula 1446 (November 24, 2024) — Official Journal.

Get in touch

Let's talk about your project

Whatever your project's stage, our team is available to guide you toward the best financing solution.

✉️

Email

contact@qimmapartners.com

Reply within 24 business hours

LinkedIn

Qimma Partners

Follow our news

📍

Coverage

All of Algeria
58 wilayas · On-site interventions

🕐

Hours

Saturday – Thursday: 8 AM – 6 PM
Friday: Closed

🌐

Languages

Arabic · French · English
Tamazight (upon request)

"The first meeting is free. Let's take the time to understand your project before any commitment."

By submitting this form, you agree to be contacted by our team. Your data is treated confidentially and never shared with third parties.