
Kolecto, a startup from La Fabrique du Crédit Agricole, needed to very quickly offer a Factur-X compliant electronic invoicing solution to respond to the regulatory emergency and become a PDP pilot platform. Theodo Fintech supported her to design and put into production a complete, easy-to-use and scalable module — in just 8 weeks.
The VSE/SME market is in full transformation, driven by the electronic invoicing obligation from 2026/2027. To position itself sustainably among the State pilot platforms (PDP) and quickly capture market shares, Kolecto had to offer a module for creating quotes and invoices that was simple, intuitive and 100% compliant with the Factur-X standard.
This project also represented an internal strategic challenge:
- lay the technical foundations the Kolecto V2 with a scalable serverless architecture;
- structure a robust product organization, capable of delivering continuously without technical debt;
- create a first key feature to then accelerate on the future components of financial management (safe, Google/Office integrations, etc.).

The challenges
1. Product
Design a complete module for creating quotes and invoices while ensuring strict compliance with the Factur-X standard (imminent legal obligation).
2. Tech
Generate valid PDFs and Factur-X files via the library Gotenberg, in an environment Serverless scalable and sustainable.
3. Delivery
Deliver a critical feature + a product catalog in just 8 weeks, to allow the first user tests as early as June.
4. Adoption
Create a seamless experience < 3 minutes to quickly seduce early adopters.
Our approach
A complete Theodo Fintech team joined the Kolecto teams with the aim of continuously delivering, from the design phase, to guarantee an increase in incremental quality and a short time-to-market.
Just-in-time delivery: go out of production at the design stage
Each user story was put into production immediately, allowing continuous user feedback and a major acceleration of the decision cycle.
Right-first-time thanks to an architecture validated by ADRs and BPMN modeling
We modelled all the business cases before the build, avoiding late returns and ensuring total compliance as early as V1.
A “tech-enabled network of teams” collaboration with shared governance
Weekly rituals, co-constructed product decisions, technical-product transparency: a common dynamic that made it possible to meet an extremely ambitious deadline.
Our impact
A compliant invoice creation in < 3 minutes
A complete module delivered in 8 weeks
Immediate adoption and very positive user feedback
A technical base ready for industrialization and future BFM functionalities

