---
stepsCompleted: [1, 2, 3, 4, 5, 6]
inputDocuments:
  - '_bmad-output/brainstorming/brainstorming-session-2026-03-10-120000.md'
  - '_bmad-output/planning-artifacts/research/market-fiduciary-saas-morocco-research-2026-03-10.md'
  - '_bmad-output/planning-artifacts/research/domain-moroccan-fiduciary-operations-research-2026-03-10.md'
  - '_bmad-output/planning-artifacts/research/ecosystem-partners-morocco-fiduciary-research-2026-03-10.md'
  - '_bmad-output/planning-artifacts/research/cloud-adoption-saas-trends-future-outlook-research-2026-03-11.md'
  - '_bmad-output/planning-artifacts/research/domain-moroccan-tax-regulation-digital-compliance-research-2026-03-10.md'
  - '_bmad-output/project-context.md'
  - 'docs/index.md'
  - 'docs/project-overview.md'
  - 'docs/architecture.md'
  - 'docs/development-guide.md'
  - 'docs/source-tree-analysis.md'
date: 2026-03-10
author: Saad
---

# Product Brief: L'Ami Fiduciaire

## Executive Summary

L'Ami Fiduciaire is a cloud-native practice management SaaS platform purpose-built for Moroccan fiduciary and accounting firms. It fills a critical market gap: while firms use Sage/JBS for accounting and SIMPL/Damancom for government filings, no tool orchestrates the day-to-day practice -- tracking deadlines across dozens of clients, coordinating team workload, managing client document exchange, and ensuring nothing falls through the cracks. L'Ami Fiduciaire is that orchestration layer.

The platform targets the ~20,000+ small-to-mid-size fiduciary firms in Morocco (majority under 10 staff) that cannot afford custom-built solutions but desperately need structured workflow management. A confirmed partnership with Experio (AI-powered pre-accounting automation) provides a distribution channel into firms already modernizing their operations.

The revenue model is B2B SaaS subscription. The product is currently in active development (pre-production) with a Laravel 12 + Vue 3 + Inertia.js stack, and already features multi-tenant workspaces, client management, a folder/dossier system, client portal with token-based access, document exchange, messaging, and activity logging.

---

## Core Vision

### Problem Statement

Moroccan fiduciary firms operate in a fragmented, high-pressure environment with no unified practice management layer. A typical collaborateur comptable manages 30-80 client dossiers simultaneously, juggling relentless deadlines (TVA by the 20th, CNSS by the 10th, IS quarterly, bilan season Jan-Mar) across multiple disconnected systems -- Sage for accounting, Damancom for CNSS, SIMPL for tax filings, WhatsApp for client communication, and Excel for tracking. The result: missed deadlines that trigger penalties (5-20% of tax due), damaged firm reputation, and client churn.

### Problem Impact

- **For firm owners:** No visibility into whether the firm is on track across all clients. Problems surface only when deadlines are missed and penalties arrive.
- **For collaborateurs:** Drowning in manual coordination. Each deadline across each client is a mental note or an Excel row -- nothing actively orchestrates, alerts, or prioritizes their work.
- **For clients:** Poor communication experience. Documents sent via WhatsApp get lost. Status updates require phone calls. No self-service visibility into their dossier's progress.
- **For the industry:** ~19,000+ unregulated fiduciaries competing on price with no standardized workflows, creating quality gaps that damage client trust in the profession.

### Why Existing Solutions Fall Short

| Solution Layer | What It Does | What It Doesn't Do |
|---|---|---|
| **Sage / JBS / CIEL** | Accounting data entry, ledger, liasse fiscale | No workflow management, no client portal, no deadline tracking |
| **SIMPL / Damancom** | Government filing portals | No practice orchestration, no team coordination |
| **Experio** | AI pre-accounting automation (OCR, bank reconciliation) | No deadline management, no multi-client workload view |
| **TaxDome / Karbon / Financial Cents** | Practice management (global) | English-only, US/UK tax systems, no Moroccan compliance, pricing in USD |
| **WhatsApp / Excel / Phone** | Ad-hoc communication and tracking | No structure, no audit trail, no automation, nothing scales |

**The gap:** No tool orchestrates the fiduciary's complete practice -- the "what needs to happen, for which client, by when, and who's doing it" layer. L'Ami Fiduciaire fills this gap.

### Proposed Solution

L'Ami Fiduciaire is the **practice management orchestration platform** for Moroccan fiduciary firms. It sits above accounting software and government portals to provide:

- **Workspace-based multi-tenancy** -- each firm operates its own workspace with role-based access (Owner, Manager, Worker)
- **Client & dossier management** -- structured tracking of every client's declarations, documents, and status
- **Client portal** -- external clients upload documents, confirm actions, and view status via secure token-based links (no account needed)
- **Document exchange** -- centralized, organized file management replacing WhatsApp chaos
- **Team coordination** -- assign clients to collaborateurs, track workload distribution, nudge system
- **Messaging** -- in-dossier communication between firm and client with full audit trail

The platform complements (not replaces) existing accounting tools. Firms keep Sage/JBS for saisie comptable, use Experio for AI-powered document capture, and use L'Ami Fiduciaire to orchestrate the practice around them.

### Key Differentiators

1. **Only practice management SaaS built for Moroccan fiduciaries** -- French-native, Moroccan fiscal calendar, local compliance understanding. No global competitor serves this market.
2. **Complement, not replace** -- "use alongside Sage" positioning removes adoption friction. Firms don't have to rip out existing tools.
3. **Experio partnership** -- confirmed distribution channel into modernizing firms. Experio handles pre-accounting automation; L'Ami Fiduciaire handles practice orchestration. Together they cover what no single tool does.
4. **Cloud-native from day one** -- while 60-70% of firms still use desktop software, L'Ami Fiduciaire is built for the inevitable cloud shift, positioned ahead of the market.
5. **Client portal with zero-friction access** -- external clients interact via token links without creating accounts, matching the low-tech reality of Moroccan TPE/PME clients.

---

## Target Users

### Primary Users

#### 1. Firm Owner / Manager — "Karim"

**Profile:** Karim, 42, expert-comptable and gerant of a 7-person cabinet in Casablanca. Manages 120+ client dossiers across his team. Has been running his firm for 12 years using Sage 100 and Excel spreadsheets to track everything.

**Day-to-day:** Splits time between reviewing bilans, handling key client relationships, and trying to stay on top of what his team is doing. During bilan season (Jan-Mar), he works 12-hour days and still things slip.

**Current pain:**
- No single view of "which clients are at risk of missed deadlines this week"
- Relies on verbal updates from collaborateurs to know if work is progressing
- Discovers missed deadlines only when penalty notices arrive
- Manages permissions and team assignments in his head or on paper

**What success looks like:** Opens L'Ami Fiduciaire in the morning and sees a command center -- which declarations are due this week, which clients haven't submitted documents, which collaborateurs are overloaded. Nothing surprises him.

**In smaller firms:** Karim is also the Manager and Worker -- he does everything himself for 30-50 clients. The platform must work for a solo operator just as well as a team lead.

#### 2. Collaborateur Comptable — "Fatima"

**Profile:** Fatima, 28, collaborateur comptable with 4 years of experience. Manages 45 client dossiers. Earns 6,000 MAD/month. Uses Sage for saisie comptable, SIMPL-TVA and Damancom for declarations, WhatsApp for client communication.

**Day-to-day:** The bulk of her work is the monthly cycle -- collecting documents (1st-10th), saisie comptable (5th-15th), rapprochement bancaire (10th-18th), declarations (15th-20th), payroll (20th-end). Every client is at a different stage.

**Current pain:**
- Tracks 45 clients' deadlines in her head and an Excel sheet
- Chases clients on WhatsApp for documents -- some respond, most don't until she calls
- Gets tagged by Karim for urgent items but has no way to prioritize across her portfolio
- During peak season, things inevitably fall through the cracks

**What success looks like:** Logs into L'Ami Fiduciaire and sees her personal dashboard -- "3 clients haven't submitted TVA documents and deadline is in 5 days, 2 declarations are ready to file, 1 client confirmed their dossier via portal." She works the list, not her memory.

**Heaviest daily user of the platform.**

#### 3. External Client — "Hassan"

**Profile:** Hassan, 35, owner of a small SARL (import/export, 3 employees). Pays his fiduciary 2,500 MAD/month. Communicates mostly via WhatsApp and occasional office visits. Not tech-savvy -- uses his phone for everything.

**Day-to-day:** Running his business. Accounting is something he outsources and doesn't want to think about. When his fiduciary needs something, he wants it to be quick and obvious.

**Current pain:**
- Gets WhatsApp messages asking for documents but forgets or delays
- Doesn't understand what's urgent vs. what can wait
- Has no visibility into whether his declarations are being filed on time
- Occasionally gets penalty notices and blames his fiduciary

**What success looks like:** Receives an email with a link. Clicks it. Sees exactly what's needed ("Upload your January bank statement"). Uploads from his phone. Done. No account to create, no password to remember.

**Interaction model:** Token-based, task-specific. Comes in, does the action, leaves. Not a recurring platform user.

### Secondary Users

#### 4. SaaS Platform Admin — "Saad"

**Profile:** L'Ami Fiduciaire platform owner. Manages the SaaS infrastructure, monitors workspace health, handles support issues.

**Needs:** Platform-level dashboard showing workspace count, active users, storage usage, reported issues. Admin CRUD for users and workspaces.

**Already built:** Admin panel with user and workspace management exists in the current codebase.

#### 5. Experio Users (Future)

**Profile:** Fiduciary firms already using Experio for AI-powered pre-accounting automation. They represent a warm lead channel for L'Ami Fiduciaire adoption.

**Integration model:** TBD. The partnership is confirmed but the product integration concept is not yet defined. This is a future opportunity to design a referral flow or deeper data integration between Experio's pre-accounting layer and L'Ami Fiduciaire's practice management layer.

### User Journey

#### Discovery → Onboarding → Daily Use

| Stage | Karim (Owner) | Fatima (Worker) | Hassan (Client) |
|---|---|---|---|
| **Discovery** | Referral from Experio partnership, word-of-mouth from other firm owners, or online search for fiduciary management tools | Introduced by Karim when the firm adopts the platform | Receives first email invitation from fiduciary with token link |
| **Onboarding** | Creates workspace, adds team members, imports client list, configures roles/permissions | Gets invited to workspace, sees assigned client portfolio | Clicks link, lands on a clear single-action page. No signup. |
| **First value ("aha!")** | First time he sees all clients' declaration statuses on one screen | First time her daily task list surfaces a deadline she would have missed | First time he uploads a document in 30 seconds instead of a WhatsApp back-and-forth |
| **Daily use** | Morning check of command center dashboard, reviews team progress, handles escalations | Works through prioritized task list, sends document requests via portal, updates dossier statuses | Occasional -- only when fiduciary sends a token link for upload/confirmation |
| **Long-term value** | Zero missed deadlines across all clients. Can take on more clients without hiring. Firm reputation grows. | Manages 60+ dossiers without stress. Gets home on time during bilan season. | Stops getting penalty notices. Trusts his fiduciary more. Stays as a client. |

---

## Success Metrics

### User Success Metrics

| Persona | Success Indicator | How We Measure It |
|---|---|---|
| **Karim (Owner)** | Zero missed deadlines across all clients | % of declarations filed before deadline across workspace |
| **Karim (Owner)** | Full visibility into firm operations | Daily login to command center dashboard |
| **Fatima (Worker)** | No declarations falling through the cracks | % of assigned dossiers with up-to-date status |
| **Fatima (Worker)** | Reduced time chasing clients for documents | Document requests sent via portal vs. WhatsApp |
| **Hassan (Client)** | Fast, frictionless document submission | Time from receiving token link to completing action (target: < 5 minutes) |
| **Hassan (Client)** | Fewer penalty notices | Client-reported satisfaction with fiduciary service |

### Business Objectives

**Primary objective:** Generate recurring SaaS subscription revenue from Moroccan fiduciary firms.

**Milestone 0 (Pre-revenue): Production Launch**
- Deploy L'Ami Fiduciaire to production with core features operational
- This is the foundational milestone -- everything else depends on it

**Year 1 Target: 100-150 paying firms**
- Primary acquisition channel: Experio partnership (500 existing fiduciary clients)
- Target conversion rate: 20-30% of Experio's client base
- Secondary channels: word-of-mouth, online presence

**Revenue Projections (Year 1):**

| Scenario | Firms | Avg. Revenue/Firm | MRR | ARR |
|---|---|---|---|---|
| Conservative | 100 | 300 MAD/month | 30,000 MAD | 360,000 MAD (~€33K) |
| Target | 125 | 350 MAD/month | 43,750 MAD | 525,000 MAD (~€48K) |
| Optimistic | 150 | 400 MAD/month | 60,000 MAD | 720,000 MAD (~€66K) |

### Pricing Model

**Per-workspace subscription (not per-user)** -- encourages team adoption without penalizing firm growth.

| Tier | Target | Price (MAD/month) | Includes |
|---|---|---|---|
| **Starter** | Solo practitioner / new firm | 199 MAD (~€18) | 1 workspace, up to 3 users, 50 clients, 100 folders, 5GB storage, client portal, email notifications |
| **Professional** | Growing firm (primary target) | 499 MAD (~€46) | 1 workspace, up to 10 users, unlimited clients/folders, 25GB storage, all features, priority support |
| **Enterprise** | Large cabinet / multi-office | 999 MAD (~€92) | Multiple workspaces, unlimited users, unlimited everything, 100GB storage, dedicated support, custom onboarding |

**No free tier** -- 14-day free trial with full features instead. Annual billing discount: 2 months free (~17% off).

### Key Performance Indicators

**Pre-Launch KPIs:**
- Feature completion rate against MVP scope
- Successful deployment to production environment

**Post-Launch KPIs (Month 1-3):**
- New workspace registrations (target: 10-20 firms/month)
- Trial-to-paid conversion rate (target: > 30%)
- Onboarding completion rate (target: > 70% of signups complete setup)

**Growth KPIs (Month 3-12):**
- Monthly Recurring Revenue (MRR) growth rate
- Workspace churn rate (target: < 5%/month)
- Net Promoter Score from firm owners
- Client portal usage rate (% of firms actively using client-facing features)

**Leading Indicators (predict future success):**
- Daily active users per workspace (signals real adoption vs. shelfware)
- Number of dossiers managed per workspace (signals depth of usage)
- Client portal actions completed per month (signals end-client value delivery)

---

## MVP Scope

### Terminology Change

**"Folders" renamed to "Declarations"** throughout the entire platform (UI, codebase, database references). This is a domain-language decision -- Moroccan fiduciary professionals think in terms of declarations (TVA, IS, CNSS), not generic folders. This change improves immediate comprehension for every user.

### Core Features (Phases 1-5 -- All Required for Launch)

#### Phase 1: Role System Foundation
*Everything else depends on this.*

| Feature | Description | Status |
|---|---|---|
| Fixed roles (Owner, Manager, Worker) | Three preset roles with sensible defaults that work for 90% of firms | To build |
| Permission matrix with toggles | Simple toggle grid: rows = permissions, columns = roles | To build |
| Per-workspace permission storage | Each cabinet customizes permissions independently | To build |
| Team management page | Dedicated "Team" page inside workspace to manage users and roles | To build |
| Move user management inside workspace | No separate admin routes for team -- everything in workspace Team page | To build |

#### Phase 2: Dashboard Separation
*Now that roles exist, build the right view for each.*

| Feature | Description | Status |
|---|---|---|
| Single shell, role-driven sidebar | One app, one sidebar, content determined by role | To build |
| Firm Owner/Manager command center | Combined dashboard + alerts: active clients, declarations by status, activity feed, priority alerts | To build |
| Scoped Worker dashboard | "Here's what you need to do today" -- only assigned clients/declarations | To build |
| SaaS Owner platform dashboard | Platform metrics: workspace count, active users, storage, system health | To build |
| Priority alert system | Visual alerts for overdue declarations, unanswered uploads, unsigned confirmations | To build |
| Dashboard = alerts combined | No separate alerts page -- dashboard IS the alert system | To build |
| Issue/support inbox | Lightweight issue reporting from firm users to SaaS owner | To build |

#### Phase 3: Collaboration Features
*The nudge/notification layer.*

| Feature | Description | Status |
|---|---|---|
| Quick tag & nudge | One-click alert from Owner/Manager to Worker on any declaration | To build |
| Inline nudge on declaration row | Small icon button on table row -- click, pick employee, done | To build |
| Employee notification center | Notification area where nudges/alerts land with direct links to declarations | To build |

#### Phase 4: Workflow Efficiency
*The عملي features that save time.*

| Feature | Description | Status |
|---|---|---|
| Bulk declaration creation | Select multiple clients, choose type (e.g., TVA Mensuel), set date, create all at once | To build |
| Bulk notification scheduling | Set notification date during bulk creation -- all clients notified on same day | To build |
| Advanced filtering system | Consistent filter bar across Clients, Declarations, Archive -- persistent until cleared | To build |
| Quick search | Search bar with instant text lookup across views | To build |
| Practicality-first UI pass | Every UI decision passes: "Does this make the task faster or slower?" Tables over cards. | To build |

#### Phase 5: Archive System
*Needs closed declarations to exist -- builds on everything above.*

| Feature | Description | Status |
|---|---|---|
| Auto-archive on close | Declaration moves to archive automatically when status becomes Closed | To build |
| Archive ≠ Delete | Full history preserved -- documents, messages, actions. Filing cabinet, not trash. | To build |
| Archive as main nav item | Top-level sidebar -- first-class feature, not hidden | To build |
| Hybrid filters + search | Flat list with fiscal year/client/type/date filters + search bar | To build |
| Archive detail page | Read-only full snapshot: declaration info, timeline, documents, messages, portal actions | To build |
| In-app document preview | Preview button (PDF/image viewer) + separate download button | To build |
| Read-only + re-open | Archive locked, but Owner/Manager can re-open (moves back to active) | To build |
| Re-open audit trail | Who, when, why logged -- legal protection for the firm | To build |
| Bulk download as ZIP | Filter a set, download structured ZIP with all documents organized by declaration | To build |
| Visual distinction | Muted color scheme / archive badge -- clear boundary between active and archived | To build |
| 10-year retention policy | Automated lifecycle with warning notification before cleanup | To build |
| Metadata search | Search by client, type, year, date. Full-text document search deferred. | To build |

#### Already Built (Foundation)

| Feature | Status |
|---|---|
| Multi-tenant workspaces | Done |
| Client CRUD with status, legal form, responsable/suivi | Done |
| Declaration (folder) system with priority, status, type, confirmation | Done |
| Client portal (token-based: upload, confirm, refuse) | Done |
| Document exchange (Spatie Media Library) | Done |
| In-declaration messaging | Done |
| Email notifications (5 types) | Done |
| 2FA authentication (TOTP via Fortify) | Done |
| Activity logging (Spatie) | Done |
| Admin panel (users, workspaces) | Done |
| Workspace switching | Done |

### Out of Scope for MVP

| Feature | Rationale | When |
|---|---|---|
| Kanban view for declarations | Nice-to-have visual pipeline -- tables-first approach is more practical for accountants | Post-launch |
| Client-initiated declarations | Reverses the flow (clients request declarations) -- requires mature platform first | Post-launch |
| Archive-specific advanced filters | Extra filter dimensions beyond basic MVP archive filters | Post-launch |
| Experio product integration | Partnership is confirmed but integration concept is TBD | Post-launch |
| E-invoicing integration | DGI platform still rolling out; future opportunity | Post-launch |
| WhatsApp integration | High-value but complex; email-based portal is sufficient for MVP | Post-launch |
| Mobile app | Web-first; responsive design covers mobile use cases initially | Post-launch |
| Billing/subscription management | Handle manually or via third-party (Stripe) at launch | Post-launch |
| Multi-language support (Arabic) | French-first; Arabic UI deferred | Post-launch |

### MVP Success Criteria

The MVP is successful when:

1. **Deployable:** Platform runs in production with real firm data without critical bugs
2. **Adoptable:** A fiduciary firm can sign up, create a workspace, add team members, import clients, and start managing declarations within 1 hour
3. **Valuable:** Firm owner can see all clients' declaration statuses on one dashboard and workers see their scoped task list
4. **Functional:** The full declaration lifecycle works end-to-end: create → assign → notify client → receive documents → update status → close → auto-archive
5. **Collaborative:** Nudge system works -- Owner tags Worker, Worker gets notification with direct link
6. **Efficient:** Bulk creation lets firms create 20+ declarations in one action instead of one-by-one

### Future Vision

**Post-MVP Roadmap (Year 1-2):**

| Priority | Feature | Impact |
|---|---|---|
| High | Experio integration (referral flow + potential data sync) | Distribution channel activation |
| High | Billing/subscription management (Stripe integration) | Automate revenue collection |
| Medium | WhatsApp document intake | Meets clients where they already communicate |
| Medium | Deadline calendar with Moroccan fiscal calendar pre-loaded | Automatic deadline awareness per client type |
| Medium | E-invoicing readiness (DGI platform API when available) | Compliance positioning |
| Low | Kanban view for declaration pipeline | Visual workflow management option |
| Low | Client-initiated declarations | Reverse-flow for proactive clients |
| Low | Mobile app | Native mobile experience |
| Low | Arabic UI support | Broader market accessibility |

**Long-term vision (2-3 years):** L'Ami Fiduciaire becomes the operating system for Moroccan fiduciary firms -- the central hub that connects accounting software (Sage/JBS), pre-accounting automation (Experio), government portals (SIMPL/Damancom), and client communication into one orchestrated workflow. As AI disrupts basic bookkeeping, the platform positions fiduciaries to evolve from data-entry shops to advisory practices, with L'Ami Fiduciaire powering the practice management layer that makes that transition possible.
