Morocco · Maroc · BTP
Morocco Construction & Trades Software Directory
Independent reviews of 28 Morocco-relevant vendors and official bodies for the building trades (BTP): Moroccan and imported construction and invoicing software, public-tender monitoring (Datao, Aljady), artisan directories, payroll (Sage, OJRA, Humantal) and construction insurance (Wafa, RMA, AtlantaSanad, AXA, Allianz Maroc, now Sanlam), set against the local rules: DGI e-invoicing, reported to start in phases from late 2026; the TRC and RC décennale covers that Moroccan press reported as mandatory in January 2025; the Qualification & Classification system for public works; and the ICE on your invoices.
⏰ Compliance guide · Phased start reported from late 2026 · large companies first · technical rules pending
Facturation électronique (DGI e-invoicing) for Moroccan contractors
The reported timeline, who is affected first, the model vendors describe and what the invoicing tools in this directory say about the mandate, without inventing a date or format the DGI has not published.
Deciding between two options?
See Moroccan vendors compared side by side: a short summary, pros and cons, Morocco-specific notes, and pricing, head to head.
What’s different about choosing software in Morocco
Four things shape software choices for Moroccan BTP firms. First, electronic invoicing is coming: Hespress reported in August 2026 that it will start in phases from the end of 2026, beginning with large companies and suppliers to the public sector, and the DGI had not yet published the technical rules, so be wary of any source that quotes a firm date or format. None of the invoicing apps listed here (Hisab, Fawatir AI, Aube) claims DGI accreditation. Second, check what each package covers: EBP Bâtiment and Sage Batigest Connect handle quotes and invoicing for the building trades, with accounting sold as a separate product (EBP Comptabilité Édition Maroc; Sage 100), and ebp.ma lists no payroll product; Odoo ships a Morocco accounting localization; Gestion BTP’s pricing page says its Entreprise licence includes accounting, payroll and DGI and CNSS exports, so ask on its demo which steps it completes for you and which it only exports. Third, construction insurance: Moroccan press reported in January 2025 that Tous Risques Chantier and RC décennale had become mandatory, and Wafa says its décennale cover depends on checks by an approved technical-control body, so book the contrôle technique before asking for cover. Fourth, public tenders can ask for a Qualification & Classification class, which caps the contract size you can bid for, and a CNSS certificate issued within the last year; and Hespress reported in July 2025 that the tax administration accepts only invoices that carry your ICE. Published prices here are in dirham, except Odoo’s (read in USD) and Hisab’s monthly plans (billed in USD).
BTP software & invoicing
Construction and invoicing software sold in Morocco: Gestion BTP (web-based construction management with accounting, per the vendor), EBP Bâtiment Édition Maroc and Sage Batigest Connect (quotes and invoicing for the building trades, with accounting sold as a separate product), Odoo (Morocco accounting localization and a General Contractor package) and Oasis Techno Cloud (an Odoo Community installer with published BTP packs), the Sage and EBP reseller Ciel Informatique, and the online invoicing apps Hisab, Fawatir AI and Aube. None of those three invoicing apps claims DGI accreditation.
Gestion BTP
Tier S · Published pricesLogiciel web de gestion BTP et comptabilité pour entreprises marocaines : devis, factures, chantiers
Gestion BTP is a web-based construction management and accounting product for Moroccan firms, published by SAEL TECH & APPS of Marrakech. Its pricing page says the Entreprise licence covers worksites, quotes and invoices, time tracking, payroll, accounting and DGI and CNSS exports. It runs in the browser, can be installed as a web app, and has open demo accounts for each of its 13 user roles.
Morocco-specific note
Gestion BTP's pricing page says the Entreprise licence includes payroll and DGI and CNSS exports, and prices are in dirhams excluding 20% VAT. Ask on the free demo which Moroccan tax and CNSS steps it completes for you and which it only exports, before relying on it for compliance.
Pros
- + Built for Moroccan construction firms
- + Published prices, from 950 MAD HT a month
- + Quotes, invoices, worksites, time tracking, payroll and accounting in one web app, per the vendor
- + Open demo accounts and a free 30-minute demo
Cons
- − No free trial: the vendor says so on its pricing page
- − Annual billing on a 12-month contract, plus a one-time setup fee of 999 to 4,999 MAD HT
- − DGI and CNSS handling is described as exports; confirm what is filed for you on the demo
- − No company registration number on its legal page
EBP Bâtiment (Édition Maroc)
Tier A · ListedDevis, factures et situations de travaux pour le bâtiment, Édition Maroc d'EBP
EBP Maroc, the Rabat subsidiary of French publisher EBP (part of the Cegid group since July 2024), sells three Bâtiment editions for Morocco: ACTIV, PRO and ELITE. All three cover quotes, orders, invoices, situations de travaux, progress invoices and retenue de garantie; PRO adds worksite tracking and staff and equipment planning, and ELITE adds a Gantt chart and tender imports. The software runs on Windows and is sold by EBP Maroc and its reseller partners.
Morocco-specific note
EBP says ACTIV was created and adapted for Moroccan companies. Accounting is a separate product (EBP Comptabilité, Édition Maroc, with TVA declaration) and ebp.ma lists no payroll product, so plan a separate payroll tool. EBP Maroc sells from Rabat and through partners in Casablanca, Rabat-Kénitra-Salé and Agadir.
Pros
- + Moroccan editions of all three Bâtiment products
- + Situations de travaux, progress invoices and retenue de garantie built in
- + ACTIV imports the Batiprix and BatiChiffrage libraries
- + 30-day free trial
Cons
- − No public prices; every edition is on quote
- − Windows only
- − No payroll product on ebp.ma
- − Accounting is a separate EBP product
Sage Batigest Connect
Tier A · ListedLogiciel Sage de devis, métré, facturation et suivi de chantier pour le bâtiment
Sage Batigest Connect is Sage's building-trade software for quotes, measurements (métré), invoicing and worksite tracking, with a mobile app for following sites. In Morocco it is offered through resellers such as Ciel Informatique in Casablanca, which sells it alongside Sage 100 for accounting. Sage's Moroccan website could not be read for this check, so confirm the Moroccan edition and support terms with Sage or the reseller.
Morocco-specific note
Sage Batigest Connect is offered in Morocco through resellers such as Ciel Informatique (Casablanca), which also sells Sage 100 for accounting. The reseller page does not describe Moroccan TVA, CNSS or e-invoicing features for Batigest itself, so ask for a demonstration on Moroccan invoices before buying.
Pros
- + Quotes, métré, invoicing and worksite tracking in one tool
- + Mobile app for following worksites
- + Budget vs actual cost analysis per site
- + Team scheduling and timesheets
Cons
- − No public prices in Morocco
- − Accounting is a separate Sage product
- − Moroccan tax and payroll features not described on the pages read
- − Bought through resellers; Sage's Moroccan site gives no detail that could be checked
Odoo (BTP, via intégrateurs marocains)
Tier S · Published pricesERP intégré avec localisation comptable marocaine et un package entrepreneur général : devis, chantiers, achats, facturation
Odoo is an ERP suite from Odoo SA with apps for CRM, sales, invoicing, purchasing, projects, timesheets, accounting and payroll, in an open-source Community edition and a licensed Enterprise edition. Its General Contractor industry package adds signed online quotes, progress invoicing, cost tracking against estimates and change orders. Odoo ships a Morocco accounting localization and lists 19 implementation partners in Morocco.
Morocco-specific note
Odoo's Morocco accounting module (Moroccan chart of accounts and tax report) is open source and installs with Accounting, and Morocco is on Odoo's list of payroll localizations (Enterprise). Odoo lists 19 implementation partners in Morocco. Prices were read in USD; check the dirham price when you order.
Pros
- + Quotes, projects, purchasing, invoicing and accounting in one system
- + General Contractor package with progress invoicing and change orders
- + Moroccan chart of accounts and tax report included
- + Morocco listed among Odoo's payroll localizations
Cons
- − Payroll and mobile apps need the paid Enterprise edition
- − Launch discount lasts only the first 12 months
- − Implementation, Odoo.sh hosting and in-app credits cost extra
- − No Morocco-specific page in Odoo's documentation
Hisab
Tier S · Published pricesFacturation en ligne pour PME et fiduciaires marocaines : factures FR/AR, export UBL 2.1, archivage 10 ans
Hisab is an online invoicing platform for Moroccan SMEs and accounting firms, launched in early 2026 and operated under its terms by Boltpath LLC, a New Mexico (US) company. It creates invoices in French and Arabic, exports UBL 2.1 and CII files, and offers e-signature and 10-year archiving. Hisab says more than 250 companies have signed up; it is not a construction tool.
Morocco-specific note
Hisab says it is ready for the DGI's 2026 e-invoicing mandate and will submit invoices to the DGI for validation; it does not claim DGI accreditation. Le360, citing Challenge (June 2026), reports the rollout starts in 2026 with about 1,655 companies with turnover above 200 million dirhams, reaching SMEs in 2027-2028 and small firms after 2028.
Pros
- + Published prices, from 1,490 MAD a year
- + Invoices in French and Arabic
- + UBL 2.1 and CII export, e-signature and 10-year archiving
- + 14-day free trial, no card
Cons
- − No worksite or progress-billing features described
- − Young product, launched in early 2026
- − Operated by a US company; monthly plans billed in USD via Paddle
- − Starter covers 1 user and 200 invoices a month
Fawatir AI
Tier S · Published pricesFacturation, devis, caisse, stock et paie pour TPE et auto-entrepreneurs marocains, avec copilote IA
Fawatir AI is a Moroccan online app for invoices, quotes, point of sale, stock, payroll and accounting preparation, with an AI copilot that turns voice or text messages in French, Arabic or Darija into invoices, quotes or expense records. It targets shops, auto-entrepreneurs, freelancers, small businesses and accounting firms, including construction firms. Fawatir AI says 214 Moroccan companies use it.
Morocco-specific note
Fawatir AI says its invoices carry the mandatory Moroccan mentions (ICE, IF, TVA) and that its payroll calculates CNSS, AMO and IR. It also states that it is not certified, accredited or approved by the DGI, does not transmit invoices to the tax administration, and that the official e-invoicing calendar and format for SMEs and the self-employed are not yet published.
Pros
- + Published yearly price covering all modules
- + Payroll with CNSS, AMO and IR calculations, per the vendor
- + AI copilot accepts French, Arabic or Darija
- + Free trial with no card and a 30-day money-back guarantee
Cons
- − No worksite or progress-billing features described
- − Not certified or accredited by the DGI, by its own statement
- − Free trial limited to 3 invoices and 3 quotes
- − No legal entity or address in its terms
Aube
Tier S · Published pricesDevis, factures, avoirs et situations pour PME marocaines, avec recherche ICE et TVA par ligne
Aube is an online invoicing app published by Aisobotics SARL in Casablanca. It produces quotes, invoices, credit notes and situations (progress per line and cumulative billing on a contract), fills a client's ICE, RC and address from the Moroccan registry, checks ICE format and applies TVA at 20, 14, 10, 7 or 0% line by line. It also covers expenses, suppliers, stock and recurring invoices.
Morocco-specific note
Aube says its PDFs carry the mentions required by article 145 of the CGI (ICE, IF, RC, TVA detail, HT/TVA/TTC totals, payment terms), that invoice numbers run in an unbroken sequence and that it is ready for the 2026 electronic-invoicing roadmap. It does not claim DGI accreditation, and its privacy policy says data is hosted in Ireland.
Pros
- + Published price: 450 DH a month excl. VAT with 2 users
- + Situations with progress per line and cumulative billing
- + Client ICE, RC and address filled from the registry
- + Unbroken invoice numbering and TVA by line
Cons
- − Only 2 users included; more on quote
- − Trial limited to 3 invoices and 3 quotes
- − Data hosted in the EU (Ireland), not in Morocco
- − No DGI accreditation claimed
Ciel Informatique
Tier A · ListedLogiciels Sage et EBP à Casablanca : vente, paramétrage, formation et assistance
Ciel Informatique is a Casablanca company that sells and supports business software, including Sage 50, Sage 100, Sage Batigest Connect and EBP, plus antivirus. It offers configuration, on-site or remote training, data import, document customization and support. The company says it has more than 30 years of experience, 15 experts and 5,000 customer accounts.
Morocco-specific note
Ciel Informatique says its télédéclaration offer generates EDI (XML) files for the DGI's SIMPL-TVA, SIMPL-IS and SIMPL-IR services, covering TVA returns, the liasse fiscale and the état 9421. It is not on EBP Maroc's published reseller list, so EBP buyers can also compare EBP Maroc's listed partners.
Pros
- + Offers both Sage and EBP products, including Sage Batigest Connect
- + Configuration, training and data import services
- + Télédéclaration offer producing SIMPL files for TVA, IS and IR
- + Support by phone, e-mail, WhatsApp and Teams
Cons
- − A reseller and service firm, not a software publisher
- − No public prices for software or services
- − Not on EBP Maroc's published reseller list
- − One listed office, in Casablanca
Oasis Techno Cloud
Tier S · Published pricesIntégrateur Odoo Community au Maroc avec un pack BTP à prix publiés (MonChantier.ma)
Oasis Techno Cloud is a Moroccan firm that installs Odoo Community Edition, connects existing software and builds AI agents, with fixed-price packs for seven sectors. Its BTP pack, MonChantier.ma, is built on Odoo and covers projects, per-site budgets, materials stock, situations de travaux with retention, subcontractors and vehicle fleet. It is not on Odoo's list of official partners in Morocco.
Morocco-specific note
Oasis Techno Cloud says a Moroccan accounting module (chart of accounts, TVA, IS, balance sheet) can be added to the BTP pack, that its hosted systems run on servers in Morocco, and that it prepares Maroc PME Mowakaba subsidy applications for clients free of charge. Check subsidy terms with Maroc PME directly.
Pros
- + Published dirham prices for three BTP packs
- + Situations de travaux, retention and subcontractors in the BTP pack
- + Local installation or hosted cloud
- + No Odoo licence fees on Community Edition
Cons
- − Not listed as an official Odoo partner in Morocco
- − Moroccan accounting is an add-on to the BTP pack
- − Prices do not say whether VAT is included
- − Packs capped at 3, 5 or 10 users
Lead generation & tender intelligence
Two kinds of listing: public-tender monitoring services with published prices (Datao, Aljady), which cover construction works along with other sectors, and consumer directories and apps that connect clients with artisans (Sabab.ma, Bricole, Allopro, Bricoul.ma). Sabab.ma publishes no fees for professionals and Bricole is free for them; Allopro sells paid listing packs and Bricoul.ma sells plans that lift a monthly lead cap and raise ranking. None of the four describes charging per lead.
Datao
Tier S · Published pricesVeille IA des appels d'offres publics au Maroc, travaux BTP compris
Datao, run by UXS SARL AU in Rabat, is an AI platform for monitoring Moroccan public tenders in works (BTP, infrastructure), services and supplies. Datao says it tracks more than 50,000 tenders a year from 300 official sources. It summarizes each tender, answers questions from the CPS documents, reads bills of quantities line by line and tracks contract awards by competitor.
Morocco-specific note
Datao says it covers more than 50,000 Moroccan public tenders a year from 300 official sources, in works, services and supplies, and supports French and Arabic. It does not describe matching tenders to a firm's qualification and classification certificate, so check eligibility for each marché yourself.
Pros
- + Published prices, from 490 DH a month excl. VAT
- + AI summaries and questions on tender documents (CPS)
- + Line-by-line search of bordereaux des prix
- + Award history and alerts by competitor
Cons
- − Public tenders only, not private renovation leads
- − Paid yearly by bank transfer only for now
- − Solo plan includes 1 user
- − Free trial is arranged through a demo
Aljady
Tier S · Published pricesVeille des marchés publics marocains avec alertes IA
Aljady is a Moroccan public-procurement monitoring service. Its legal notice names Side Invest SARL AU as publisher, while its CGV name AVIVO SOLUTIONS SARL AU (Casablanca) as the company that publishes and sells the service. It sends AI-personalised alerts on tenders from the public procurement portal, extracts the price schedules (bordereaux de prix), lots and quantities from tender documents, and shows competitors' submission history, success rates and average amounts. The site shows more than 110,000 archived tenders and more than 4,000 open tenders, with construction, electrical works and water and sanitation among the sectors covered.
Morocco-specific note
Aljady says it extracts the bordereaux de prix, lots and quantities from Moroccan public tender files and shows which companies bid and how often they win, which helps when preparing a public-works bid. Payment is by bank transfer, per its CGV.
Pros
- + Published monthly and yearly prices
- + 7-day free trial without a bank card
- + Extracts bordereaux de prix, lots and quantities from tender documents
- + Competitor submission history and success rates
Cons
- − Covers all sectors, not only construction
- − Public tenders only, no private-sector leads
- − Site in French only
- − Multi-user access only on the custom Entreprise plan
Sabab.ma
Tier A · ListedTrouvez un plombier, un électricien ou un artisan près de chez vous au Maroc
Sabab.ma is a Moroccan mobile app that lists nearby workers in 8 trades, including plumbers, electricians, air-conditioning technicians, painters and masons, sorted by distance. Clients call or WhatsApp the worker directly; there is no booking and, per its terms, no payment inside the app. Workers create a profile with their trade, photos and location, and Sabab says each profile's phone number is verified before publication.
Morocco-specific note
Sabab shows profiles by distance and lets the client call or WhatsApp the worker directly, so for a Moroccan tradesperson it works as a free-to-browse visibility listing rather than a paid lead channel. Sabab says it verifies each worker's phone number but gives no quality guarantee.
Pros
- + Trades-focused catalogue (plumbing, electrical, air conditioning, painting, masonry)
- + Free for clients to download, search and view profiles
- + Direct phone or WhatsApp contact, no booking step
- + iOS and Android apps, French and Arabic
Cons
- − No fees or plans for professionals published
- − Consumer jobs, not B2B projects
- − Includes cleaning, moving and gardening
- − Terms name no company or address, only a contact email
Bricole
Tier S · Published pricesVotre artisan, à portée de main
Bricole is a free Android app that lists home-service professionals in Morocco and Egypt, with construction, repair and installation, and decoration among its categories alongside household, transport and beauty services. Bricole says it has 26K+ registered professionals, 160+ services and 100K+ downloads. Clients contact professionals directly and agree the price with them; Bricole takes no commission and handles no payment.
Morocco-specific note
Bricole lists professionals by city (it shows 11,000+ in Casablanca and 4,900+ in Marrakech), and a Moroccan tradesperson can join for free and deal with clients directly. Because Bricole charges nothing, it is a visibility listing rather than a paid lead source.
Pros
- + Free for clients and professionals: no subscription, no commission
- + Construction, repair and installation among the main categories
- + Bricole says it has 26K+ registered professionals, with city counts on its site
- + Reviews tied to a QR code scanned after each job, Bricole says
Cons
- − Terms say Bricole does not verify identity, qualifications or insurance
- − Mixes trades with cleaning, beauty and other services
- − Android only; no iOS app mentioned
- − No operating company or address named on the site
Allopro (ex-Bricall)
Tier S · Published pricesPlateforme marocaine de services à domicile : jusqu'à 5 devis de maalems
Allopro (page title still 'Bricall') is a Moroccan home-services directory where clients describe a job and receive up to 5 quotes from providers, and providers pay for listing packs that add listings, visibility and badges. It covers 15 cities and lists 213+ providers, with fit-out, electrical, plumbing, repairs, painting and renovation the largest categories on 2026-09-30. Payment for the work goes directly from client to provider.
Morocco-specific note
Allopro sells monthly listing packs in dirhams (99 to 399 DH) that raise a maalem's visibility and show the phone number, and clients can get up to 5 quotes per request. Packs can be paid by card, bank transfer or cash, and the terms say they are not refundable once activated.
Pros
- + Published prices, with a free Starter listing
- + Clients can receive up to 5 quotes for one job
- + Trades are the largest categories (fit-out, electrical, plumbing, painting)
- + Providers register with a CIN and a verified phone, per the terms
Cons
- − Packs buy visibility, not guaranteed leads
- − Packs are not refundable once activated
- − Small provider base (213+ listed)
- − Mixes trades with cleaning, events, lessons and moving
Bricoul.ma
Tier S · Published pricesConnecter particuliers et artisans vérifiés au Maroc
Bricoul.ma is a Moroccan directory of artisans (plumbers, electricians, painters, carpenters, air-conditioning, aluminium and glazing workers) that clients search by trade, city and neighbourhood. Artisans get a free Basic profile capped at 10 leads a month, or pay for Pro and Premium plans that remove the cap and raise their ranking. Bricoul says all artisans pass a KYC check on their CIN and RC or auto-entrepreneur status.
Morocco-specific note
Bricoul asks artisans for a Moroccan CIN, an RC or auto-entrepreneur status and a photo holding the CIN before listing them, so an unregistered worker cannot join. The Pro plan at 99 MAD a month lifts the 10-lead monthly cap of the free plan.
Pros
- + Published prices, with a free Basic plan
- + Trades-focused catalogue
- + Bricoul says every artisan passes CIN and RC checks
- + Paid plans give unlimited leads and higher ranking
Cons
- − Terms leave the company's RC number blank
- − No mobile app mentioned
- − Coverage beyond Casablanca not confirmed
- − Annual prices not shown
Payroll (paie): CNSS / IR / AMO
Sage 100 Paie & RH (CNSS, CIMR, CNRA and IR declarations, per Sage), OJRA from Casablanca-based NSE (Windows software with built-in Damancom and Simpl-IR modules, per NSE) and Humantal (CNSS, AMO and IR calculations and Damancom filing, per Humantal). None of the three publishes prices or describes construction-specific features.
Sage Paie & RH Maroc (Sage 100)
Tier A · ListedSage 100 Paie & RH: Sage's payroll and HR software for Moroccan firms
Sage 100 Paie & RH is sold in Morocco by Sage, whose parent company, The Sage Group plc, is registered in Newcastle upon Tyne, UK. Sage says it produces the Moroccan social declarations (CNSS, CIMR, CNRA) and tax declarations (IR and the déclaration employeur), with legal updates installed automatically. Sage also sells an accountant edition, Sage 100 Paie & RH Experts, and HR add-ons such as Sage 100 Suite RH.
Morocco-specific note
Sage says Sage 100 Paie & RH produces the Moroccan CNSS, CIMR, CNRA and IR declarations. Ask Sage or your accountant how the CNSS file is submitted through Damancom and how site-based crews are handled before you buy.
Pros
- + CNSS, CIMR, CNRA and IR declarations generated from payroll, per Sage
- + Legal updates installed automatically, per Sage
- + Accountant edition available for firms whose payroll is run by an accountant
- + Sage has operated in Morocco as Sage Maroc since at least 2015, per press coverage
Cons
- − No public prices on Sage Morocco pages
- − No BTP-specific payroll features described on the pages found
- − Damancom file handling not described on the pages found; confirm with Sage
OJRA : Paie Maroc (NSE)
Tier A · ListedWindows payroll software from Casablanca-based NSE, with built-in Damancom and Simpl-IR files
OJRA is payroll and personnel software from NSE (Network and Software Engineering), a Casablanca software house that also sells accounting and commercial-management software. NSE says OJRA follows Moroccan legal rules, computes CNSS, AMO, CIMR and IR deductions, and has native modules for Damancom (CNSS), Simpl-IR salary declarations and CIMR télédéclaration. It runs in Windows and links to Excel and NSE's own KHABIR accounting software.
Morocco-specific note
NSE says OJRA's Damancom module is built in, producing the monthly CNSS declaration file and importing the eBDS file, and a separate Simpl-IR module produces the XML file for the DGI salary declaration. Check how it handles site-based crews before you buy, as the page describes general payroll only.
Pros
- + Native Damancom module for CNSS declarations, per NSE
- + Simpl-IR XML files for the DGI salary declaration
- + Version 2026 covers the January 2026 SMIG rise and 2026 Finance Law IR changes, per NSE
- + Special rates for fiduciaires and accountants
Cons
- − No public prices; quote on request
- − Windows desktop software; no cloud version described
- − No BTP-specific features such as site time tracking described
Humantal
Tier A · ListedMoroccan payroll and HR software with automatic CNSS, AMO and IR calculations and Damancom filing
Humantal sells payroll and HR software built for Moroccan labour law. Its site says it calculates CNSS, AMO and IR automatically, sends CNSS declarations through the Damancom portal, and syncs leave with payroll, and that more than 300 Moroccan companies use it. It is a general payroll product: its site does not describe features for construction crews or site-based work. Prices are given after a demo.
Morocco-specific note
Humantal says it produces CNSS declarations for Damancom and applies the 2026 CNSS, AMO and IR rates automatically; ask in the demo how it handles crews that move between sites and the DGI salary declaration.
Pros
- + Built for Moroccan payroll: CNSS, AMO and IR calculations, per Humantal
- + Damancom declarations sent from the software, per Humantal
- + Leave requests handled online and synced with payroll
- + Free demo, no commitment and free migration from Excel, per its site
Cons
- − No public prices: pricing comes after a demo
- − No construction or site-crew features described
- − Customer figures and ratings on its site are its own claims
Construction insurance: TRC & décennale
Tous Risques Chantier (TRC) and RC décennale from Moroccan insurers. Wafa Assurance, RMA, AtlantaSanad and Sanlam Maroc (which absorbed Allianz Maroc in July 2026) list both covers; AXA Assurance Maroc lists TR Chantier Batissur but no décennale product. Moroccan press reported in January 2025 that both covers had become mandatory. No insurer here publishes prices: ask for a quote per project.
Wafa Assurance
Tier A · ListedTous Risques Chantier et RC décennale pour les professionnels du BTP
Wafa Assurance, which says it is a subsidiary of the Attijariwafa bank group, sells Tous Risques Chantier cover to public and private BTP firms of any size, covering damage to the works and the civil liability of everyone on site. It also sells RC décennale against collapse for ten years from reception, plus Tous Risques Montage and machinery-breakdown cover. Cover is arranged through its advisers and no prices are published.
Morocco-specific note
Wafa's RC décennale page cites article 769 of the DOC and law 59-13 and says the cover depends on the works being checked by an approved technical-control body, so book the contrôle technique before asking for cover. Moroccan press reported in January 2025 that TRC and RC décennale insurance had become mandatory.
Pros
- + Both main construction covers: TRC and RC décennale
- + TRC covers the liability of every party on site
- + Related lines: Tous Risques Montage, machinery breakdown, RC after works
- + Licensed insurer on the ACAPS list
Cons
- − No published prices; quote through an adviser
- − No online quote seen
- − Décennale cover depends on checks by an approved technical-control body
RMA (Royale Marocaine d’Assurance)
Tier A · ListedAssureur marocain avec une offre BTP : chantier et décennale
RMA (Royale Marocaine d'Assurance SA, Casablanca) is a licensed Moroccan insurer that says it has more than 300 points of sale across Morocco. Its business site has a BTP section listing Tous Risques Chantier and RC décennale cover for construction firms. No prices are published.
Morocco-specific note
RMA lists TRC and RC décennale in the BTP section of its business site. Moroccan press reported in January 2025 that both covers had become mandatory for construction, so ask for both in one quote and check the conditions before the works start.
Pros
- + Licensed insurer on the ACAPS list
- + BTP section covering Tous Risques Chantier and RC décennale
- + More than 300 points of sale across Morocco, RMA says
Cons
- − No published prices
- − BTP page works only with JavaScript; cover details not confirmed here
- − Ask the insurer what technical checks the décennale cover requires
AtlantaSanad Assurance
Tier A · ListedTous Risques Chantiers et RC décennale pour les professionnels
AtlantaSanad Assurance is a licensed Moroccan insurer formed by the 2020 merger of Atlanta and Sanad. Its professional and business range includes a Tous Risques Chantiers policy and an RC décennale product, alongside machinery-breakdown, workplace-accident and fleet cover. No prices are published.
Morocco-specific note
AtlantaSanad lists a separate RC décennale product (its page address names it 'Albinna') next to its Tous Risques Chantiers policy. Moroccan press reported in January 2025 that both covers had become mandatory, so ask for both and check the technical-control conditions.
Pros
- + Licensed insurer on the ACAPS list
- + Both main construction covers: TRC and RC décennale
- + Related lines for contractors: machinery breakdown, workplace accidents, fleet
Cons
- − No published prices
- − Product pages work only with JavaScript; cover details not confirmed here
- − The frozen link points to an old page address
AXA Assurance Maroc
Tier A · Listed« TR Chantier Batissur » : tous risques chantier pour le BTP
AXA Assurance Maroc, which presents itself as part of the AXA Group, sells TR Chantier Batissur, a construction all-risks policy for project owners, developers, contractors, architects and design offices. It covers damage to the works, workmanship errors, site machinery, third-party liability and debris removal until provisional reception, and a post-reception guarantee period can be added. Its business range also includes the Mihnassur multirisk policy for professionals; no décennale product is listed on its site.
Morocco-specific note
Batissur covers the works until provisional reception, with an optional post-reception period for defects found after handover. AXA Maroc's site lists no RC décennale product, so a contractor who needs décennale cover should ask the agency directly or look at other insurers.
Pros
- + Named construction all-risks product (Batissur)
- + Covers workmanship errors, site machinery and third-party liability
- + Optional post-reception guarantee period
- + Licensed insurer on the ACAPS list
Cons
- − No RC décennale product listed on axa.ma
- − No published prices
- − Quote by callback request or through an agency
Sanlam Maroc (formerly Allianz Maroc)
Tier A · ListedAllianz Maroc est devenue Sanlam : Tous Risques Chantier et RC décennale
Allianz Maroc was absorbed by Sanlam Maroc in July 2026 and now operates under the Sanlam brand; Sanlam says existing Allianz policies stay valid until expiry on the same terms and with the same intermediary. Sanlam Maroc sells Tous Risques Chantier cover for the duration of construction works and RC décennale covering damage to a building's solidity for 10 years after delivery, for architects, contractors, artisans and developers. No prices are published.
Morocco-specific note
Sanlam's RC décennale page says the cover is obligatoire for architects, maîtres d'œuvre, contractors, artisans and developers and runs for 10 years after delivery. A contractor insured with Allianz Maroc keeps the same policy and intermediary until renewal, per Sanlam's notice.
Pros
- + Both main construction covers: TRC and RC décennale
- + Décennale page lists collapse, cracks, water ingress and waterproofing failures
- + Existing Allianz policies stay valid until expiry, Sanlam says
- + Online quote request plus agent network
Cons
- − The Allianz brand no longer operates in Morocco; policies move to Sanlam
- − No published prices
- − Old Allianz BTP page still online with outdated branding
Compliance & official bodies
The official systems in this directory: the DGI (identifiant fiscal, SIMPL online filing and the e-invoicing reported to start in phases from late 2026), the Qualification & Classification system whose classes cap the size of public works contracts a firm can bid for, the CNSS and its Damancom portal, the ICE (mandatory on official documents since July 2016) and the Registre de Commerce.
Qualification & Classification des Entreprises de BTP
Official body / regimeThe Ministry of Equipment and Water's qualification and classification system for construction firms
Morocco's system of qualification and classification of building and public works (BTP) firms was set up by Décret n° 2-94-223 of 16 June 1994 and is run by the Ministère de l'Équipement et de l'Eau through national and regional commissions. For each sector of activity it defines classes, the thresholds for each class and the maximum annual contract amount a firm of that class can be admitted to bid for. Since 2020 applications are filed online, and part of the work has moved to the ministry's regional directorates.
Morocco-specific note
Check each public tender file for the sector, qualification and class it asks for. The class you hold sets the maximum contract amount you can bid for, and the classes include a class S.
What it covers
- + Sets the size of public works contracts a firm can bid for
- + Online filing and tracking of applications since 2020
- + Applications handled by regional as well as national commissions
- + The ministry publishes a list of qualified and classified firms
Watch out for
- − A firm's class caps the contract size it can bid for
- − Applications are reviewed by ministry commissions, so apply well before a tender
- − Fees and certificate validity not published on the pages checked
- − A reform to unify the system has been under study since 2019
CNSS : Immatriculation employeur + Damancom
Official body / regimeMorocco's social security fund for employees, with Damancom for monthly declarations
The Caisse Nationale de Sécurité Sociale (CNSS) is the Moroccan social security fund to which employers declare their salaried workers; 4.08 million were declared at the end of 2024, per Hespress. It runs the mandatory health insurance (AMO) for salaried workers. Affiliated employers declare salaries and pay contributions online through its Damancom portal, which moved to two-factor sign-in in 2025.
Morocco-specific note
Public tender rules (Décret n° 2-22-431, article 28, as reported by Hespress in January 2025) ask bidders for a CNSS certificate issued within the last year, and bid commissions have been told to check CNSS arrears. Keep your Damancom declarations and payments current before you bid.
What it covers
- + Gives employees AMO health cover through the CNSS
- + Declarations and payments are made online through Damancom
- + Moroccan payroll software such as OJRA produces Damancom files
- + An up-to-date CNSS certificate keeps you eligible for public tenders
Watch out for
- − Monthly declarations and payments to keep up
- − Damancom sign-in needs two-factor authentication (e-ID or a code by SMS or email)
- − CNSS arrears can get a bidder excluded from public tenders
- − Contribution rates are set by law; check current rates with the CNSS
ICE : Identifiant Commun de l’Entreprise
Official body / regimeMorocco's common business identifier, mandatory on official documents since July 2016
The Identifiant Commun de l'Entreprise (ICE) is a single identifier for a Moroccan business, shared across administrations. The Direction Générale des Impôts led the project and hosts its database, working with OMPIC, the CNSS and other bodies, and OMPIC announced the ICE as mandatory from 1 July 2016. Existing businesses can obtain their ICE on www.ice.gov.ma, and OMPIC's company records show it next to the RC number.
Morocco-specific note
Put your ICE on your invoices: Hespress reported in July 2025 that the tax administration accepts only invoices that carry it. E-invoicing is due to start in phases from late 2026, beginning with large companies and suppliers to the public sector (Hespress, August 2026), so choose invoicing software that stores your ICE and your clients' ICE numbers.
What it covers
- + One identifier shared across administrations
- + Shown on OMPIC company records next to the RC number
- + Existing businesses can obtain it online at www.ice.gov.ma
- + Invoices bearing it are accepted by the tax administration, per Hespress
Watch out for
- − Must appear on official documents
- − Invoices without it can be rejected by the tax administration, per Hespress
- − Does not replace the IF (tax ID) or the RC number
- − Check its format and any fee on the official ICE portal
Registre de Commerce (RC) : OMPIC
Official body / regimeMorocco's trade register, filed with the court registries and centralised by OMPIC
Moroccan businesses are entered in the Registre de Commerce (RC) through the registry (greffe) of the competent court, and OMPIC keeps the central trade register that brings these filings together. OMPIC's Directinfo site offers a free search of the central register and sells copies of filed documents such as statutes and financial statements. The CRI of Casablanca-Settat says the Direct Entreprise platform is now the official route for company creation procedures.
Morocco-specific note
Before you sign with a client or subcontractor, look them up on Directinfo: the free search shows whether the firm is registered and still active, with its RC number, court and ICE.
What it covers
- + Free search of the central trade register on OMPIC's Directinfo site
- + Records show the RC number, court, ICE, capital and whether a firm is active
- + Certificat négatif requests can be made online with OMPIC
- + Company creation procedures run through the Direct Entreprise platform
Watch out for
- − Registration and later changes are filed with the court registry
- − Filed statutes and financial statements can be bought by anyone on Directinfo
- − No official fee schedule found on the pages checked
DGI : Identifiant Fiscal (IF) & portail SIMPL
Official body / regimeTax identification (IF) and SIMPL online tax services from Morocco's tax authority
The Direction Générale des Impôts (DGI) registers taxpayers for an identifiant fiscal (IF) and runs SIMPL, its online services for professionals, including SIMPL-IS, SIMPL-TVA and SIMPL-IR channels for corporate tax, VAT and salary declarations. The DGI is also preparing electronic invoicing, which Hespress reported in August 2026 will start in phases from the end of 2026, beginning with large companies and suppliers to the public sector.
Morocco-specific note
Your IF and ICE go on supplier forms and invoices, and SIMPL is where TVA, IS and salary declarations are filed. E-invoicing is due to start in phases from late 2026, large companies and public-sector suppliers first (Hespress, August 2026), so ask your invoicing software provider how it will connect once the DGI publishes the technical rules.
What it covers
- + Online filing through SIMPL for corporate tax, VAT and salary declarations
- + Tax certificates and a tax account available online
- + Payroll and accounting software can produce SIMPL EDI files
- + Company search (Recherche Entreprise) on the DGI site
Watch out for
- − Filing deadlines and penalties to track
- − Tax rules change with each Finance Law, as IR did in 2026
- − E-invoicing is coming in phases and the technical rules were not yet published in August 2026
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