Measures for the self-employed : he must (quickly) even more flexible and avoid bankruptcy !

Figaro

The containment impact to a lot companies, but most notably the independent, the liberals and the autoentrepreneurs, whose structures are more fragile financially.

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self-employed persons and autoentrepreneurs who had to ask off work to keep their children under 16 years of age receive a daily allowance without the waiting period, of 22,54 to 56,35 euro, even if they were not affiliated to the social security of the self-employed.

Then, the 300 million euros of social charges to be levied on the 20th of march have been postponed. A measure renewed for the month of April. But attention, this is good reports because the money will be due then... Except the risk of bankruptcy to prove.

For this, since the end of march, the professionals whose activity is reduced or completely stopped were able to make requests for benefit are :

a report part or all of their contributions and tax charges ;the awarding of the solidarity of 1500 euros paid into the account of the company of the solidarity fund (2 billion forecast at this stage for the self-employed). If the loss of revenue is less than this amount, the assistance will be equal to the loss.

Some conditions apply to this support : the company has been created before February 1, 2020, the sector of activity is subject to a duty of closure for the containment, OR that the turnover of the business has declined by 50% between march 2019 and march 2020. Also, the company is not controlled by another company, that the turnover did not exceed eur 1 million and that the income paid to the executive (more profits) do not exceed 60,000 euros, in 2019.

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Note that an independent or an autoentrepreneur, which would be, at the same time, employed or retired, is not eligible for this aid, regardless of the level of its revenues. Also, as the aid is paid to the company, if an officer wants to get a salary, it will subtract about 50% of expenses.

terms and conditions for claiming this allowance will also determine what are the professionals eligible for the suspension of bills of electricity, gas and water. Only the suspension of the energy bills is granted without a condition, simply on request to energy suppliers. On the side of the rent, the suspension is not automatic as for the shops and businesses falling within the scope of a closure, even if the applications are open for the professionals whose activity is very low.

note : those who cannot benefit from the solidarity fund can apply for support of up to 5000 euro, according to the latest information, paid by a fund financed by insurers to the tune of 400 million euros.

The Bank of France has also put in place a mediator of credit to businesses to help businesses who need to reschedule their repayments to banks : up to 6-month interval are recommended.

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Finally, the State will put in place a secured loan for autoentrepreneurs and the self-employed : the amount of the loan will be capped at 3 months of sales in 2019, the repayments will begin 12 months after obtaining the loan that must be repaid in maximum 5 years.

this is what is already in place, but other tracks are emerging for April in particular for tourism professionals, which will re-open later than other businesses and that can benefit from a total cancellation of taxes and charges.

As of mid-April, regions will also consider an additional 2000 euros. To get it, it will be necessary to complete the requirements for the allowance of solidarity and, in addition :

to prove the existence of at least 1 employee (CDI or CDD) march 1, 2020,to be unable to repay its debts due and payable within 30 days following the request,having suffered a refusal or lack of response (over 10 days) for a loan to be "reasonable" from the march 1, 2020. The requests will be from each region.

And last part : the government has just granted the opportunity to the self-employed to get finance aid from 1250 euros maximum for the social security of the self-employed. It will be a compensation for loss of earnings, which will be net of taxes and expenses and may not exceed the amount of the annual contributions to the supplementary pension for self-employed. It is the only assistance without condition and therefore open to all... and also the only aid not financed by the national solidarity, but by the contributions of the independent.

The race against the clock to save the self-employed, managers of company, is only just beginning, this will be the first to go bankrupt. The government's plan goes in the right direction but too many restrictions still exist : why prevent retirees who have an independent activity at the side of the assistance of 1500 euros ? Why do have to pay social charges on the 1500 euros if they are paid in salary ? Why depend on the regional aid of eur 2,000 of obtaining prior approval of the government assistance ?

Figaro

The Macronomètre, the observatory of reforms in the government, is a site of the Fondation iFRAP in partnership with Le Figaro. It is a tool dedicated to the assessment of the quinquennium of Emmanuel Macron: econometric evaluation in relation to its electoral programme and announcements of his government. With The Macronomètre, the action of the government is to be marked out of 10 each Wednesday prior to the council of ministers and becomes readable in a single glance. The Macronomètre allows everyone to make a notice on the holding or not of the promises of the president of the Republic and on the effectiveness of the reforms of the government.

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