Can I set up a company in Morocco 100% online in 2026?
Yes, creating a company 100% online in Morocco is legal: Law No. 88-17 on the electronic creation of companies authorizes it and Law No. 43-20 on trust services for electronic transactions gives legal value to the advanced electronic signature (signature électronique avancée). From the negative certificate (certificat négatif) to the extract from the Commercial Register (Registre du Commerce, RC), registration (immatriculation) can be carried out entirely remotely, with paperless transmission of the file to the commercial court registry (greffe du tribunal de commerce). With Charikaty, you complete this entire process online, simply and quickly, from 4,550 MAD including VAT for a SARL, official fees included.
The essentials in 5 points
In shortLaw 88-17 allows companies to be created electronically; with Charikaty, everything is done online
Law 43-20 enshrines the legal value of the advanced electronic signature
The negative certificate is issued by OMPIC, the IF, the ICE and the business tax (taxe professionnelle) by the DGI, and the affiliation by the CNSS
Registration in the Commercial Register is granted by the commercial court registry once the file has been transmitted
The bank deposit of the capital and certain banking formalities may still require in-person contact, depending on the bank's policy and KYC requirements under Law 43-05 as amended by Law 12-18
the information provided in this article is for information purposes only and does not constitute personalized legal advice. We recommend that you consult a qualified legal expert before making any decision. Charikaty provides experts to support you: contact us for free advice.
Is it legal to create a company 100% online in Morocco?
Yes. Remote formation rests on the following texts, foremost among them Law 88-17 and Law 43-20:
| Text | Contribution |
|---|---|
| Law 88-17 | Creation of companies by electronic means |
| Law 43-20 | Advanced and qualified electronic signature |
| Law 15-95 | Commercial Code (Code de commerce): Commercial Register |
| Law 53-95 | Commercial courts: registries |
| Law 13-99 | OMPIC: negative certificate (certificat négatif) for the company name |
| Law 89-17 | Business domiciliation of companies (domiciliation des sociétés) |
| Law 49-16 | Leases of premises for commercial use |
| Law 5-96 / Law 24-10 | SARL: freely set capital, from 1 MAD |
| Law 17-95 / Law 19-20 | SA: capital 300,000 MAD |
| Law 5-96 as amended and supplemented by Law 19-20 | SAS: capital freely set |
| Law 43-05 / Law 12-18 | Bank due diligence (KYC): identity of the partners and managers, origin of funds |
Step 1: How do you prepare the file remotely?
From any country, the user prepares the following documents (the full list by legal form and by profile is given in the documents required to register a company in Morocco):
- The OMPIC negative certificate (Law 13-99)
- The articles of association (statuts) drawn up by private deed (sous seing privé) or before a notary (Law 32-09)
- The proof of registered office (siège social): business domiciliation contract (Law 89-17) or commercial lease (bail commercial) (Law 49-16)
- The identity documents of the partners (associés) and of the company officer
- Where applicable, the report of the contributions auditor (commissaire aux apports) (Article 53 of Law 5-96; always mandatory for an SA)
Step 2: How do you sign the articles of association electronically (Law 43-20)?
The advanced signature, the recommended level for company deeds, is issued by a trust service provider (prestataire de services de confiance) approved by the DGSSI and has evidential value equivalent to a handwritten signature. Each signatory signs remotely using their personal certificate. The practical steps, including for partners based abroad, are detailed in our guide to the electronic signature of the articles of association.
Step 3: How is the file submitted online?
Charikaty handles this entire step remotely. The platform gathers and checks the documents in the file, then files them on your behalf electronically, as permitted by Law 88-17. The file is then routed to the relevant authorities, OMPIC, the DGI, the CNSS and the commercial court registry (Law 53-95), for registration in the Commercial Register (Law 15-95).
Step 4: When do you obtain the RC and the ICE?
Once registration is complete, the company obtains its RC number, its ICE, its tax identification number (Identifiant Fiscal, IF) and its CNSS affiliation number (Dahir 1-72-184 of 27 July 1972).
Step 5: What should you do after registration?
- Publication in the Official Bulletin (Bulletin Officiel) and in a legal announcements newspaper (journal d'annonces légales)
- Release of the capital from the depositary bank on presentation of the RC
- Setting up the accounting (Law 9-88) with documents kept for 10 years (Article 211 of the CGI 2026)
Which steps may remain in person?
The bank deposit of the capital
The bank applies the KYC due diligence obligations provided for by Law 43-05 on the fight against money laundering, as amended by Law 12-18. Depending on its internal policy, the bank may require a physical meeting with a founder or their authorized representative, or accept a file entirely remotely with remote identity verification. The procedure itself is presented in our guide to depositing the share capital.
Mandatory notarial deeds
Certain deeds remain subject to the notarial form (Law 32-09), in particular the contribution of registered real estate (immeubles immatriculés) (Law 14-07 on land registration) and certain complex contributions. To compare the two routes (time, cost, travel), see the difference between online formation and formation through a notary.
Can a non-resident set up their company online?
A non-resident can set up a company online provided that they:
- Hold an advanced electronic signature certificate issued by an approved provider (Law 43-20); failing that, they can give an authenticated power of attorney legalized by the Moroccan consulate
- Provide evidence of the origin of funds under Law 43-05 as amended by Law 12-18
- Comply with the General Instruction on Foreign Exchange Operations (Instruction Générale des Opérations de Change, IGOC) published by the Office des Changes (foreign exchange authority) for the repatriation of contributions in foreign currency and for obtaining the foreign currency contribution certificate (certificat d'apport en devises), which gives entitlement to the convertibility regime
The possible legal forms, 100% ownership and the role of the Office des Changes are detailed in the guide to setting up a company in Morocco as a non-resident.
How does Charikaty let you create a company 100% online?
Charikaty is a private Moroccan legal-tech platform specializing in company formation and compliance. To create a company online, here is what you need: a negative certificate, articles of association signed electronically, proof of registered office and the identity documents of the partners and the company officer; with Charikaty, you do everything online. We manage the entire paperless process on charikaty.com with our online SARL formation service, from obtaining the OMPIC negative certificate to registration in the Commercial Register and obtaining the IF, the ICE and the CNSS affiliation.
With Charikaty, setting up a SARL in Morocco costs from 4,550 MAD including VAT, official fees included, and is done entirely online. More than 250 companies have already been set up with Charikaty.
FAQ: 100% online formation in Morocco
What is the founding text for online company formation in Morocco?
Online formation is based on Law No. 88-17 on the electronic creation of companies, supplemented by Law 43-20 on trust services, which governs the electronic signature.
Does an electronic signature have the same value as a handwritten signature?
Yes, within the meaning of Law 43-20, the advanced electronic signature has the same evidential value as a handwritten signature when it is issued by a provider approved by the DGSSI.
Do you need to go through a notary to set up a company online?
No for standard SARLs and SASs. A notarial deed is still required for contributions of registered real estate (Law 14-07) and certain specific operations (Law 32-09).
Can a non-resident set up a company 100% online?
Yes, a non-resident can set up their company entirely online if they have an advanced electronic signature or give a legalized power of attorney, and if they comply with the KYC rules (Law 43-05 / Law 12-18) and foreign exchange rules (IGOC).
What is the minimum capital of a SARL or an SA in 2026?
The SARL has had no legal minimum since Law 24-10 amending Law 5-96: the capital is freely set by the articles of association, from 1 MAD. The SA requires 300,000 MAD, of which at least 25% paid up on subscription and the balance within three years (Article 21 of Law 17-95).
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