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SMALL BUSINESSES Inflation: how are companies adapting? According to INSEE, inflation is set to rise to +4.9% in 2023, after +5.2% in 2022 and +1.6% in 2021, an increase that is weighing on business activity.
VSE/SME France Travail Pro: a new service to speed up recruitment for VSEs and SMEs VSEs and SMEs can use France Travail Pro to get personalized help when they want to speed up their recruitment.
Professionals Mandatory electronic invoicing: what's changing on September 1, 2026 From September 1, 2026, French companies subject to VAT will have to switch to electronic invoicing and use a certified platform.
Professionals Take part in DuoDay 2024: register now! The 7th edition of DuoDay 2024 will take place on November 21. Employers can register now.
SMALL BUSINESSES Cybermois: an event to raise awareness of cybersecurity In 2024, Cybermois returns with a host of cybersecurity activities and resources.
Professionals Electronic invoicing: the list of registered dematerialization platform partners Electronic invoicing is becoming more widespread, with the DGFiP registering partner dematerialization platforms (PDPs).
Professionals Moral harassment: the CSE must justify personal injury in order to take legal action The French Supreme Court (Cour de cassation) has just reiterated that in order to sue for damages, the CSE must prove that it has suffered personal injury.
VSE/SME Data protection: Publication of an RGPD guide for VSEs/SMEs The European Data Protection Committee (EDPS) recently published an RGPD guide specifically designed for VSEs/SMEs.
VSE/SME CSE: employees must have access to benefits as soon as they join the company The social and economic committee (CSE) can no longer restrict access to social and cultural activities to employees with a certain length of service.
VSE/SME Can an SCI building be made available to a partner free of charge? Can a manager dispose of an SCI building free of charge? The French Supreme Court recently answered this question.
Professionals France Ruralités Revitalisation zoning takes effect The new France Ruralités Revitalisation (FFR) zoning, replacing the Zones de Revitalisation Rurale (ZRR), came into force on July 1.
Professionals The seller's safety obligation includes the loading of the product sold In a ruling handed down on June 19, the French Supreme Court (Cour de cassation) reminds us that the seller is subject to a safety obligation which takes into account the conditions of transport...
Professionals Shopkeeper: close proximity to a competitor may constitute moral prejudice In a ruling handed down on June 5, the French Supreme Court (Cour de cassation) states that the close proximity of a direct competitor's premises can cause prejudice to a retailer.
VSE/SME Clarification of the "Jeune entreprise de croissance" status The French Finance Act for 2024 introduced a new category of company called "Jeune entreprise de croissance", a status that allows companies to claim advantages...
Professionals Access to the register of beneficial owners: new conditions from July 31, 2024 Currently public, information on beneficial owners will soon be restricted in order to protect privacy and ensure the transparency of economic life.
Professionals Construction site stoppages: heatwaves are now taken into account in compensation for bad weather Workers will now be entitled to compensation if the site on which they are working has to be suspended due to a heatwave.
Professionals SAS: excluded partners have voting rights The Articles of Association of a SAS may not deprive a partner whose exclusion is being considered of his voting rights.
Professionals Company buyout: tax allowance increased to €500,000 The Finance Act for 2024 raises the amount of the allowance for business buyouts from €300,000 to €500,000.
VSEs/SMEs Unfitness for work: the imprescriptibility of the employer's breach of the employer's safety obligation The statute of limitations for the employer's breach of its safety obligation does not prevent the employee from contesting his dismissal for incapacity.
Professionals Non-renewed lease: a tenant awaiting eviction compensation may remain on the premises In a ruling handed down on May 16, 2024, the French Supreme Court (Cour de cassation) states that a tenant who has not received his eviction indemnity may remain on the premises after...
Professionals CVAE and CFE 2024: payment of 1st instalment by mid-June at the latest The first installments of the CVAE and CFE are due in June. They correspond to 50% of the contribution due in 2023.
Professionals JOPTIMIZ: the platform that optimizes your travel during the 2024 Olympic Games JOPTIMIZ was created to facilitate the supply of shops and all essential services during the Olympic and Paralympic Games.
Professionals Olympic Games 2024: Parisian shops open every Sunday Businesses in certain sectors will be open on Sundays during the Olympic Games.
VSE/SME Late payment: penalties and statutory interest cannot be combined In a ruling handed down on April 24, 2024, the French Supreme Court (Cour de cassation) ruled that late payment penalties and statutory interest cannot be combined.
Professionals BIC taxation: options that can be exercised in May or June The tax authorities have issued a reminder of the options available in May and June to companies taxed in the industrial and commercial profits (BIC) category.
Professionals Conditions for access to sole trader status clarified The Immigration Act of January 26, 2024 specifies the conditions for foreign nationals to qualify as sole proprietors.
Professionals CNIL: Personal data security guide 2024 now available online When processing personal data, data controllers must implement the necessary measures to guarantee data security.
VSE/SME SensCyber: a program to help your SMB protect itself against cyber attacks Cybermalveillance.gouv.fr has launched SensCyber, a new service designed to raise awareness of cybersecurity among SMEs.
Banks Banque de France opens "Espace dirigeant The Banque de France has recently launched a new free, personal, secure service for company directors, accessible 24 hours a day.
Professionals 14 fact sheets dispel misconceptions about electronic invoicing The DGFIP has recently published a series of fact sheets designed to dispel misconceptions about electronic invoicing.
VSE/SME Cybermalveillance.gouv.fr report on cyberattacks in 2023 In 2023, the IT threat level in France continued to rise.
VSE/SME Payment delays on the rise again Since last year, payment delays have once again threatened small businesses. The French government is planning to strengthen its control tools.
Professionals EURL can opt for corporate income tax in its articles of association In a ruling handed down on February 5, the French Conseil d'Etat has reiterated the conditions under which EURLs may opt to pay corporate income tax rather than income tax....
SMALL BUSINESSES Company and group size thresholds upgraded The decree of February 28, 2024 upgrades the thresholds defining the size of a company and a group.
Professionals Electronic invoicing: what changes can you expect in terms of payment times? Initially scheduled for July 1, 2024, the obligation for French companies to issue and receive electronic invoices will be phased in from September 1, 2026.
SMALL BUSINESSES Electricity buffer extended for businesses in 2024 The electricity buffer to support SMEs and local authorities will be extended under certain conditions this year.
VSE/SME GNR, payment deadlines: new support measures for construction companies Bruno Le Maire has announced a number of support measures for the construction and public works sector, notably concerning non-road diesel fuel.
VSE/SME Call for entries for the "Grande Exposition du Fabriqué en France The 4th edition of the Grande Exposition du Fabriqué en France will take place at the end of June.
SMES SMEs: export assistance simplified and extended The French government has announced a series of new measures designed to help companies expand their business abroad.
VSE/SME Administrative simplification: initial results of consultation with entrepreneurs The French Minister of the Economy recently unveiled the first results of the public consultation on administrative simplification.
Professionals Electronic invoicing: candidates for partner dematerialization platform status DGFIP has published the list of candidates for the status of Partner Dematerialization Platform (PDP).
Professionals Banque de France revises its growth forecast for late 2023 Gross domestic product (GDP) is set to rise by 0.2% in the final quarter of 2023, according to Banque de France forecasts.
VSE/SME Crisis recovery procedure extended for 2 years The crisis exit treatment procedure, initially introduced by the law of May 31, 2021 for small businesses in difficulty, has been renewed...
VSE/SME A job seeker does not benefit from the presumption of inexcusable fault on the part of the employer. The presumption of inexcusable fault cannot be used during a workplace assessment.
VSE/SME Companies with fewer than 11 employees have until December 31 to opt for quarterly payment of social security contributions. In principle, social security contributions are deducted on the 5th or 20th of each month. However, it is possible to opt for quarterly payment.
Professionals The creation, takeover or sale of an establishment in 2023 must be declared by December 31. If you have created, taken over or sold an establishment this year, you have until December 31 to declare it.
Professionals VAT: half-yearly instalments due by December 26 If you are subject to the simplified VAT system, you can pay your second half-yearly instalment from December 15 to December 26 inclusive.
Professionals Energy: support measures proposed for professionals in 2024 Bruno Le Maire, French Minister for the Economy, Finance, Industrial and Digital Sovereignty, announced on November 30 the energy support measures proposed for professionals in 2024.
VSE/SME Declare your extra-financial performance with the CSR Portal Launched in 2021, the CSR (Corporate Social Responsibility) Portal helps companies declare their extra-financial performance.
SMALL BUSINESSES Corporate value-sharing schemes simplified and generalized Promulgated on November 29, the law on the sharing of added value provides for a number of changes, including the long-term transformation of the value-sharing...
VSE/SME Mission Transition Écologique: the new platform designed to help VSEs and SMEs in their approach The "Mission Transition Écologique" platform is designed to help VSEs and SMEs access the most appropriate assistance for their situation.
VSE/SME Sale of a business: no automatic transfer of receivables to the buyer In the absence of an express clause to the contrary, the sale of a business does not automatically entail the transfer to the buyer of the seller's obligations, nor of the buyer's...
Professionals Suspension of payment of claims during a judicial liquidation When a company is in the process of judicial liquidation, its creditors no longer have the right to claim payment of their debts directly from the company.
VSE/SME Ecological transition for VSEs and SMEs: aid schemes deemed too complex While there are currently 340 eco-transition aids available to businesses, it can be difficult for them to access them easily.
Professional Updated energy checklist, essential support for companies The Energy Crisis Committee offers business leaders a checklist, which has just been updated, to help them make the right decisions when it comes to...
VSE/SME The multiple activities of VSEs when it comes to capital gains tax exemption A small business can benefit from a capital gains exemption on the sale of an asset, but only under certain conditions. In a recent dispute, the Conseil d'Etat had to intervene...
Professionals CFE payment deadline on December 15The tax notices for the business property tax (CFE) are online. Liable companies have until December 15, 2023 to pay the balance.
Accelerate the growth of your business with the ETIncelles program The French government is launching ETIncelles to support small and medium-sized enterprises (SMEs) with high potential in their development, and enable them to become intermediate-sized companies (ETIs).
Accidentsat work and occupational diseases: deadline for registration for the AT/MP account on 11 December Mandatory for any company covered by the general scheme, regardless of its workforce, registration for the AT/MP account must be done before 11 December.
Professionals Bercy launches "Rencontres de la simplification de la vie des entreprises The government recently launched a public consultation aimed at business leaders and entrepreneurs.
SMALL BUSINESSES Very small businesses benefit from the monumental Grand Paris Express construction site The law creating the Grand Paris Express was passed in June 2010. To support this project, the French government is relying in particular on very small businesses.
SMES SMEs lag behind in digital transformation France Num has presented the results of the 4th edition of its annual Barometer. The study shows that SMEs are lagging behind in terms of digital...
Professionals Launch of the 12th Industry Week In 2023, Industry Week will be held from November 27 to December 3, providing an opportunity to promote the sector's professions to the general public.
Professionals Accessibility fund supports local shops and establishments Since November 2, small businesses have been able to apply for assistance in financing part of their work.
Professionals New features for the National Register of Companies A decree issued on October 17 lays down new provisions concerning the registration and correction of information entered in the National Register of Companies (RNE).
Professionals Failure to provide a statement of natural and technological risks does not result in termination of the commercial lease The fact that a lessor fails to provide a statement of natural and technological risks that is less than 6 months old is not sufficient reason to terminate the lease....
Professionals Local business taxation mapped city by city The Direction générale des Finances publiques (DGFIP) has launched a new tool presenting local business tax data in the form of dynamic maps.
Professionals Generalized electronic invoicing: timetable unveiled The obligation for VAT-registered businesses to use electronic invoicing will apply from 2026.
Professionals Electronic invoicing: how to get started? Now that the timetable for the widespread introduction of electronic invoicing has recently been unveiled, companies may find it difficult to navigate their way through the software available on the market...
Professionals The European VIDA Directive and its impact on e-commerce In December 2022, the European Commission presented a draft directive called VIDA (Directive on VAT in the Digital Age), which has since been approved by the...
Professionals Guichet unique: no more paper forms Companies can no longer submit paper forms to the registries, except in the case of certain exceptional formalities.
Professionals Help! helps self-employed workers in difficulty The French social security organizations have joined forces to offer "Help!", a special service for self-employed workers in difficulty.
VSE/SME The right to protection of personal data is not absolute The right to protection of personal data is not absolute, says the French Supreme Court in a recent ruling. Let's decipher this decision.
VSE/SME Ma TPE gagne avec le numérique" training course, registration deadline October 22 The Île-de-France DRIEETS and France Num are offering a free training course for VSE managers, entitled "Ma TPE gagne avec le numérique" ("My VSE wins with digital").
VSE/SME Two more years for Mission France Recouvrement On September 12, a decree was issued to extend Mission France Recouvrement until the end of 2025, thus offering two more years for its...
Professionals Italy, a pioneer in electronic invoicing Italy is a pioneer in electronic invoicing. Today, almost 8 out of 10 companies use electronic invoicing.
Professionals E-invoicing reform postponed by a year Already in place since 2020 in the public sector, the dematerialization of invoices issued in France between companies subject to VAT has finally been postponed.
VSE/SME Sale of shares: partners, even minority shareholders, are jointly and severally liable to the purchaser In the event of a sale of shares, all associates are jointly and severally liable to the purchaser.
VSE/SME Payment delays lengthen for very small businesses In the first half of 2023, very small businesses are facing longer payment delays, as revealed by a study published in September.
VSE/SME France Num barometer: VSEs and SMEs reassess their confidence in digital transformation As it does every year, France Num has published the results of its barometer, the aim of which is to present changes in the digital perceptions and uses of...
Professionals What is the notice period for terminating an established business relationship? Producers, distributors and service providers who abruptly terminate an established commercial relationship without offering their partners sufficient notice are liable.
SMALL BUSINESSES Reindustrialization boosts construction sector Penalized by the crisis in housing construction, the building sector is benefiting from France's industrial development.
VSE/SME Despite obstacles, business relocations on the rise in France Business relocations are set to rise sharply in France in 2023, with many SMEs and ETIs deciding to completely overhaul their business model.
VSE/SME The "Osez l'export" (Dare to export) plan to support French companies in their quest for international success The French government has unveiled a brand new plan to support French companies in their quest for international success.
VSE/SME The Conseil d'Etat clarifies the notion of commercial aid deductible from taxable profit Aid granted to a company by another company is not in principle deductible from its taxable profit, unless it is of a commercial nature.
VSE/SME Micro-entrepreneurs: option to opt for lump-sum payment until September 30 Active micro-entrepreneurs have until September 30, 2023 to opt for the lump-sum payment at source.
Professionals Commercial premises: work prescribed by the authorities is the responsibility of the lessor A landlord who receives a notice from the authorities requiring him to carry out restoration work on his commercial premises cannot require his tenant to do the work....
SMALL BUSINESSES Tax authorities have the right to check the existence and amount of tax loss carryforwards from statute-barred years. The tax authorities have the right to verify the existence and amount of losses carried forward from previous tax years for which the statute of limitations has expired.
VSE/SME Small communications agencies: malfunctions observed in local authority tenders Local authorities issue invitations to tender that pose challenges for small communications agencies, placing them in tricky situations.
VSE/SME Tax integrated group: the information letter sent to the parent company does not require hierarchical approval The Conseil d'Etat recently ruled on two obligations incumbent on the tax authorities when a member of a fiscally integrated group is subject to an accounting audit.
VSE/SME VAT group: opt in before October 31 to benefit from its advantages Since January 1, a new VAT tax regime has been in force: the VAT group. What does it involve? Which companies are concerned?
SMALL BUSINESSES A company's inaction may constitute opposition to a tax audit In a decision handed down on June 9, 2022, the Nancy administrative court of appeal ruled that a company's inaction could lead to opposition to a tax audit, which...
VSE/SME Labour market: employers back in control of employees Business owners are finding it less difficult to hire staff this year. This should have an impact on wage negotiations.
VSE/SME Allocation of the balance of the taxe d'apprentissage possible since August 28 The balance of the taxe d'apprentissage (apprenticeship tax) can now be allocated to the relevant establishments and training courses via the SOLTéA platform.
Professionals Electronic invoicing postponed The Ministry of the Economy has announced the postponement of the generalization of electronic invoicing, an obligation that was due to come into force on July 1, 2024.
VSE/SME Risks in the workplace: focus on the "Captage fumées de diesel" prevention subsidy To protect the health of their employees, certain companies can benefit from the "Captage fumées de diesel" prevention subsidy.
VSE/SME AI use on the rise in companies with over 10 employees A survey conducted by Pôle emploi shows that over a third of establishments with 10 or more employees are using Artificial Intelligence (AI).
Professionals Insufficient shareholders' equity: new rules apply The decree of July 25, 2023 sets out new rules to be applied when a company's shareholders' equity falls below half of its share capital.
Professionals Over 80% of companies still in business after 3 years A recent INSEE study shows that financial and insurance companies have a higher survival rate than sole proprietorships.
Company founders The "Créer sa Réussite" program renewed The French Ministry of Labor, Employment and Integration has decided to renew the "Créer sa Réussite" program launched by BGE in October 2021.
Professionals 3006, a toll-free number for business start-ups The Chambers of Trades and Crafts now offer a toll-free number, 3006, to answer questions from craftspeople.
Professionals Business climate remains stable in France in July The business climate remained relatively stable in July, according to INSEE.
VSE/SME Tax reassessment of an SME: what is the deadline for responding in the event of a dispute? Following an audit of a company's accounts, the tax authorities may apply a tax reassessment procedure.
Professionals Omissions on invoices: beware of penalties In the event of an omission or error on an invoice, the professional incurs a flat-rate tax fine of 15 euros.
Professionals No more paper till receipts from August 1 Initially scheduled for January 1, then April 1, the end of automatic receipt printing will finally take effect on August 1.
SMES IA Booster France 2030: supporting the adoption of AI by SMEs and ETIs The IA Booster France 2030 program aims to support SMEs and ETIs in implementing AI solutions to enrich their offerings and modernize...
SMALL BUSINESSES Variation in commercial lease rents frozen at 3.5% year-on-year While inflation remains high, the 3.5% rent increase freeze for households and SMEs has been extended...
VSE/SME France Num, a program to support the digital transformation of businesses France Num is an online platform designed to support small and medium-sized French businesses in their digital transformation.
Professionals Essential aid for damaged businesses Following the damage and looting of several businesses, the government has announced a number of support measures.
Professionals New rules for meat origin on takeaways from October 1 The country of origin of beef, pork, poultry and lamb will be compulsory for takeaway restaurants.
Professionals Challenges and benefits for businesses with the end of the copper network The copper network, which provides telephone, Internet and TV services, is gradually being phased out and replaced by fiber optics.
Professionals Electronic invoicing: equip yourself to stay competitive Get ready now for electronic invoicing, which will be mandatory by 2024-2026, depending on the size of your company. Think about your IT equipment.
Professionals Obligation to transmit transaction data: which companies are affected? From July 2024 to January 2026, all companies established in France will have to progressively adopt the receipt and issue of electronic invoices, as well as the obligation to...
VSE/SME Declining access to credit for VSEs: SDI proposes 3 solutions to reverse the situation Households are not the only ones having difficulty financing their projects. The bank credit acceptance rate for very small businesses has been falling since last year.
SMES Payment terms for SMEs continue to fall The latest report from the Observatoire des délais de paiement shows that, in 2022, payment times have started to fall again, despite supply tensions and the return of...
Professionals From paper filing to expert mode: a new era for annual accounts With the aim of simplifying the filing of annual accounts on the one-stop shop, INPI has introduced an "expert mode" since April 27.
SMALL BUSINESSES Tax support service for SMEs extended to 36 new départements The General Directorate of Public Finances recently announced the extension of the tax support service for small and medium-sized businesses to 36 new départements.
VERY SMALL BUSINESSES Which companies are affected by the transmission of payment data? The future obligation for companies to receive and issue electronic invoices will be accompanied, from 2024, by the obligation to also transmit their payment data on all electronic...
Professionals One-stop shop ready to serve businesses from June 30 The long-awaited one-stop shop will be officially launched on June 30, following the government's announcement.
Banks Heavily indebted companies: higher capital requirements for banks Banks will have to redo their calculations when lending to highly indebted companies.
Professionals Canvassing: uninformed customers do not have to pay for services provided Consumers do not have to pay for services if they have not been informed of their right of withdrawal.
Professionals Unjustified retention of a partner in an SCP: damages are not tax-deductible Expenses incurred by a partner in an SCP to retain his shares in the partnership when he has ceased his professional activity cannot be deducted from his...
Professionals Requalifying a rental contract as a commercial lease: what is the limitation period? In a recent decision, the French Supreme Court (Cour de cassation) ruled on the starting point of the limitation period for an action to requalify a rental contract as a commercial...
VSE/SME Cash flow difficulties for very small businesses Against a backdrop of high inflation, the cash position of very small businesses continues to deteriorate. Nevertheless, managers remain optimistic.
Professionals Polygraphe, a tool to identify false online reviews Developed by the DGCCRF, Polygraphe aims to combat false reviews on online consumer platforms.
VSE/SME Corporation tax: next payment due on June 15 Companies subject to corporation tax (IS) have until June 15 to make their quarterly advance payments.
Professionals How will I receive invoices from my suppliers from July 1, 2024? Get ready for the change from July 1, 2024: all businesses, without exception, will have to receive electronic invoices from their suppliers in order to combat...
Professionals 2 procedures for securing electronic invoices A decree issued on May 16 specifies the procedures for securing invoices sent electronically.
Professionals A major reform for the craft industry: new Code to come into force in July On March 28, the French President signed the decree establishing the legislative part of the Code de l'Artisanat.
VSE/SME Mergers & Acquisitions: SME purchase prices on the decline Against a backdrop of inflation and rising interest rates, the price of SMEs in the eurozone has fallen sharply.
VSE/SME Customer-oriented accounting Accounting is constantly adapting to changing times. Not only does it have to modernize, but there's an emerging trend to take into account the needs of...
VSE/SME CSRD: a mandatory CSR approach for SMEs from 2024 onwards The European CSRD directive will soon oblige more companies to provide extra-financial sustainability reporting, progressively from January 1, 2024.
Professionals Exemption from payroll tax: clarifications from the Conseil d'État In a recent ruling, the French Conseil d'Etat (the highest administrative court in France) clarifies the conditions required for exemption from payroll tax.
VSE/SME VSE/SMEs remain concerned about repayment of their EMPs Despite the easing of repayment conditions for state-guaranteed loans, business leaders fear they may find themselves in financial difficulty.
Professionals When does the warranty against hidden defects apply? To benefit from the warranty against hidden defects, the buyer must inform the seller of the use he intends to make of the item purchased.
SMALL BUSINESSES Import/export: towards a single EORI SIREN number Companies carrying out import/export operations must have an EORI number. Since April 5, 2023, this unique Community number can be based on the SIREN.
VSE/SME Damage caused by an equipment rental company on a worksite: who is liable? The contractual liability of a construction company cannot be engaged when the damage is caused by the company to which it has rented equipment.
VSE/SME The "guichet d'aide au paiement des factures de gaz et d'électricité de mars et avril" is open until August 31. The "guichet d'aide au paiement des factures d'énergie" for the submission of applications for the months of March and April is now open.
VSE/SME Bank financing for SMEs slows down According to the banks, SMEs will use less and less bank financing in 2023.
VSE/SME Tax audit: when to contact the departmental contact? In the event of difficulty during and/or after a tax audit, the taxpayer can contact the auditor's line manager and the departmental contact.
Professionals Conditions of validity for subletting commercial premises When a commercial lease has been sublet without the lessor's consent, the lessor cannot sue the subtenant.
Professionals CFE and CVAE: 2 instalments due by June 15 at the latest Companies now have just a few weeks to pay their CFE and CVAE online.
Professionals What's new on the bodacc website? In 2022, the bodacc (Bulletin des annonces civiles et commerciales) surveyed users to find out what they thought of the website. The results were...
Professionals Building: ways to contain the rise in construction prices Construction prices remain high, mainly due to inflation in materials prices.
VSE/SME Office design for greater productivity at work Business leaders have every interest in designing comfortable, functional workspaces to attract new recruits and retain staff.
VSE/SME Electricity buffer and tariff shield: submission of eligibility certificate postponed Businesses eligible for the electricity buffer or the tariff shield have until June 30, 2023 to send their supplier a certificate of eligibility for one of these two...
Professionals Simplified rules for the liberal professions: a major reform for their attractiveness The reform of SELs (sociétés d'exercice libéral) aims to simplify the rules applicable to the liberal professions and make them more attractive.
Professionals The new Urssaf inspection procedure An April 12 decree modifies and improves the Urssaf inspection procedure. Here's what you need to know.
Professionals Door-to-door sales contracts: the burden of proof lies with the seller In the event of disagreement over the provision of contractual information in the context of an off-premises sale, the professional seller must prove that he has complied with his obligations...
VSE/SME Construction companies: how to stand out from the competition in 2023? Construction companies have a bright future ahead of them, but they need to know how to make the most of it and attract customers.
SMALL BUSINESSES "Baisse les Watts" helps very small businesses reduce their energy bills for free Launched in November 2022, the "Baisse les Watts" program aims to support VSE/SMEs in controlling their energy consumption.
VSE/SME GDP growth forecasts revised upwards In its latest monthly survey, the Banque de France forecasts French GDP growth of 0.2% in Q1 2023.
Professionals Dark stores are warehouses according to the Conseil d'État In a recent decision, the French Conseil d'Etat has qualified dark stores as warehouses within the meaning of the town planning code and the Paris local town planning scheme.
VSE/SME Acts or deliberations of a shareholders' meeting contrary to the articles of association of an SAS may be annulled Extra-statutory deeds that do not comply with SAS bylaws may be annulled.
VSE/SME Temporary goodwill depreciation scheme The Finance Act 2022 introduced a temporary measure aimed at stimulating the economy after the Covid crisis, which allows tax deductions for the depreciation of goodwill...
VSE/SME What level of information should be given to companies during a tax audit of computerized accounting systems? The Conseil d'Etat has issued new clarifications concerning the level of information to be given to a company in the event of a tax audit of computerized accounting.
Professionals MLP regulations to change in 2024 From September 1, 2024, the rules governing changes of legal form for sociétés civiles professionnelles will change for the sake of greater clarity.
Professionals How to find a business premises close to home? There are many advantages to finding a business premises close to home that is suited to your needs. Here are a few tips to help you do just that...
SMALL BUSINESSES Small businesses: streamlined accounting obligations Whatever their legal form, small businesses must comply with certain accounting rules.
VSE/SME Capital losses: a more flexible adjustment procedure The adjustment procedure applicable to companies whose shareholders' equity has fallen below half their share capital has recently been made more flexible.
VSE/SME In the event of cessation of activity, the collective bargaining agreement does not apply According to the Conseil d'Etat, a collective bargaining agreement cannot be concluded in a context of economic difficulties for the company, or in other situations listed in the French Employment Code....
Professionals How to prepare for the 2023 financial year-end? Most companies close their accounts on December 31. From January through to the deadline for filing the 2023 tax return (May 18 for...
Professionals Launch of a scheme to help businesses set up in rural communities The Direction Générale des Entreprises (DGE) and the Agence Nationale de la Cohésion des Territoires (ANCT) are launching a scheme to support the installation of shops in rural communities.
Professionals Specificities and taboos of B2B sales BtoB sales have a number of characteristics that distinguish them from BtoC sales. One of these is that the end-user of the product or service is not directly the customer...
VSE/SME Company car tax: what to expect in 2023? Company car tax (TVS) is now split in two. Its calculation is based on daily rather than quarterly use.
SMES The return of the tax credit for energy renovation work by SMEs The Finance Act for 2023 has reinstated the tax credit for energy renovation expenditure on buildings incurred by VSEs/SMEs in 2023-2024.
VSE/SME How can I develop my company's CSR? Corporate Social Responsibility (CSR) is more than ever at the heart of the news. Those who neglect or ignore it have much to gain.
Professionals Unpaid invoices: what is the time limit for taking legal action against a consumer? The law is particularly protective of consumers in the event of an unpaid bill to a professional.
VSE/SME Cyber attack on a company: compensation conditional on filing a complaint With hacking and malicious acts on the increase in recent years, the cyber insurance framework is evolving.
VSE/SME How to account for expense claims An expense report is a document that covers all expenses incurred by a member of staff in the course of his or her work, using his or her own funds....
Professionals The time has come for companies to file their 2023 tax returns What do the various returns entail, and what are the deadlines beyond which companies risk penalties?
VSE/SME A joint and several business lease for micro-businesses An ordinance dated February 8, 2023 has just introduced a joint and several real business lease for micro-entrepreneurs.
Company founders Don't underestimate cash flow when starting up a business How much cash do you need to set up your business, and for what purposes? Although every structure and every business sector is different, the need for cash...
Professionals Electronic invoicing: the scope of e-reporting of transaction data E-reporting involves transmitting certain billing and payment data to the tax authorities.
VSE/SME Co-management of a SARL: the individual liability of a co-manager may be engaged The fact that a SARL is managed by several people does not mean that only one of the managers can be held individually liable.
Professionals Purchasing pooling on the rise in the corporate sector Faced with rising prices, more and more companies are turning to pooled purchasing.
Professionals Electronic invoicing: the first steps to follow From July 1, 2024, all businesses will have to accept electronic invoices. Electronic invoices will be issued progressively between 2024 and 2026.
Professionals Is your company concerned by the obligation to issue electronic invoices? From July 1, 2024, certain companies will have to comply with a new obligation: issue electronic invoices for all their commercial transactions.
SMES Overseas SMEs have been facing difficulties for the past 2 years Overseas SMEs are suffering from their remoteness, and have seen their cash flow impacted by various crises since the end of 2020.
Company founders How long does it take to open a micro-business? Anyone wishing to set up their own business must first choose their status. The simplest, quickest and least costly way to set up a business...
VSE/SME How the war in Ukraine transformed the European energy market Since the start of the Russian-Ukrainian war a year ago, the European energy market has undergone major upheavals.
Professionals Partial reopening of Infogreffe until June 30 for certain administrative procedures The Infogreffe portal has been partially reactivated following major malfunctions at the one-stop shop for company formalities.
Professionals Electronic invoicing mandatory from 2024 On January 1, 2020, companies became obliged to issue electronic invoices. It is set to become more widespread according to a precise timetable.
VSE/SME Business insolvencies at their highest since 2015 In one year, bankruptcies have risen by over 16% in the European Union.
Company founders Obligation for micro-entrepreneurs to open a bank account By law, all businesses must open a business bank account when they are set up, with the exception of micro-enterprises, which are exempt. However, micro-businesses have an interest in...
VSE/SME Successful cyberattacks on businesses on the decline in 2022 The CESIN 2023 Barometer shows a decline in the number of successful cyberattacks, which now affect fewer than one in two businesses.
Professionals Construction: production costs stabilize at a high level Despite some stabilization, production costs remain high in the construction industry, and are set to remain so in 2023.
VSE/SME Practical guide to the 2022 research tax credit published The French Ministry of Higher Education and Research has just published a guide to the 2022 research tax credit on its website.
VSE/SME Decline in the number of RGE-certified building firms At a time when the energy renovation market is taking off, the number of RGE-qualified companies and craftsmen is falling.
Company founders Business start-ups: the year 2022 in review While the number of business start-ups had already reached an all-time high in 2021, a new record was set in 2022.
Professionals Construction: buoyant activity for equipment manufacturers in 2022 The French construction equipment and materials sector has forecast an increase in activity in 2022, both in terms of value and volume.
VSE/SME Alternatives to the annual corporate budget Companies are trying to adapt to fast-changing markets by using alternative methods to the traditional annual budget.
Professionals VAT and the financing of public services: a reminder from the Cour des Comptes (French Audit Office) In a report, the Conseil des prélèvements obligatoires, part of the Cour des Comptes, reminds us of the objective of VAT yield.
SMALL BUSINESSES Electricity: MWh price capped at 280 euros in 2023 for very small businesses At a time when rising energy prices are having an impact on many businesses, the price of a megawatt-hour (MWh) has been capped at 280 euros this year for very small...
VSE/SME Unpaid invoices: beware of tax deductions for doubtful debts Tax deductions are possible in the case of doubtful debts, but beware: they may be challenged by the tax authorities.
VSE/SME Clarification from the French tax authorities on VAT liability for payments on account for the supply of goods Since January 1, VAT has been payable on advance payments for the supply of goods.
VSE/SME EMP repayment can be spread over 10 years Bruno Le Maire recently confirmed that companies that have taken out a state-guaranteed loan will be able to spread repayment over 10 years.
VSE/SME Setting up a profit-sharing scheme through a unilateral decision within the company The aim of profit-sharing is to involve employees in the success and smooth running of the company. It is optional and involves the payment of bonuses.
VSE/SME New tax measures for businesses in 2023 The Finance Act for 2023 includes new measures for businesses. Here's the lowdown.
VSE/SME Micro-entrepreneurs: how to obtain payment for unpaid invoices? Late payment, underpayment, refusal to pay... micro-entrepreneurs are not immune to unpaid invoices.
VSE/SME Business-to-business payment terms down since the end of the Covid crisis Business-to-business payment terms created a great deal of tension during the Covid-19 crisis. However, payment times now seem to have returned to normal.
VSE/SME Urssaf helps companies cope with rising energy prices Faced with the difficulties encountered by small and medium-sized businesses due to rising gas and electricity prices, Urssaf is offering assistance by granting...
VSE/SME RNE, the new platform for company registration since January 1 The National Business Register has become the single register for French companies. From now on, this organization will centralize all information concerning structures operating on the French market...
SMALL BUSINESSES CFEs replaced by the one-stop shop for business formalities As of January 1, 2023, all business start-up, modification and cessation formalities must be carried out online via the one-stop shop for business formalities (guichet unique des formalités...
VSE/SME Business formalities: one-stop-shop back-up procedure in the event of malfunctioning A decree dated December 28 sets out the terms and conditions of the emergency procedure applicable in the event of "serious operating difficulties" at the one-stop shop.
VSE/SME Plan to help VSEs and SMEs emerge from the crisis extended To help businesses cope with inflation, the government has decided to extend the business support plan introduced in June 2021.
VSE/SME PGE: less than 100 billion euros to be repaid by companies Of the 144 billion euros of PGE granted since the beginning of the health crisis, 98 billion euros remain to be repaid by companies.
SMALL BUSINESSES Threat of power cuts and gas shortages recedes In France, the threat of power cuts and gas shortages seems to be receding for the end of winter, according to RTE and GRTgaz.
Professionals Self-employed: what daily benefits are available for sick leave? The daily allowance system for self-employed workers is subject to strict rules.
VSE/SME Eurozone: growth forecasts revised upwards Economists are beginning to revise their growth forecasts for the eurozone upwards, allaying fears of recession.
VSE/SME TVS replaced by tax on CO2 emissions and tax on emissions of atmospheric pollutants In 2023, the tax on company vehicles will be abolished and replaced by two new taxes to be paid in January.
VSE/SME Annual accounts: now filed via the one-stop shop As of January 1, companies required to file their annual financial statements must now do so via the "guichet électronique des formalités des entreprises".
VSE/SME Urssaf inspection: a 3-month limit for companies with fewer than 20 employees On January 1, the measure limiting the duration of Urssaf inspections to 3 months for companies with fewer than 20 employees was made permanent.
VSE/SME Insurance: virtually no ESG products for companies French insurers offer very few ESG (Environment, Social and Governance) products for companies.
SMALL BUSINESSES Generalized carbon accounting to measure the impact of goods and services Generalized carbon accounting would make it possible to know precisely the carbon footprint of each of the goods and services marketed by companies.
VSE/SME Banks optimistic about resilient VSE/SME activity Reassured by the resilience of their businesses, banks show a certain optimism despite the fears of VSEs and SMEs for 2023.
VSE/SME Business formalities: the one-stop shop causes concern Since the beginning of the year, all procedures and formalities for setting up, modifying or cancelling a business have been carried out via a one-stop shop.
VSE/SME Purchasing managers, essential links in the midst of the supply crisis In a context marked by inflation, shortages and the energy crisis, buyers play a crucial role for companies.
VSE/SME The government wants to encourage VSEs and SMEs to share in the value created within the company. The various value-sharing schemes are struggling to win over very small businesses. The government intends to convince them.
VSE/SME What can we expect for small businesses in 2023? Faced with pressure on wages, rising energy costs and a shortage of manpower, very small businesses are likely to be penalized in 2023.
Professionals Business power cuts: is the loss of perishable goods covered by insurers? In the event of a power cut, the loss of perishable foodstuffs suffered by businesses is not systematically covered by insurance.
VSE/SME European gas: wholesale prices 5 times lower than in August For several weeks now, European wholesale gas prices have been falling, thanks to high inventory levels and falling demand.
VSE/SME French inflation slows to 5.9% in December Inflation slowed slightly in France last month, coming in at 5.9% year-on-year, compared with 6.2% in November.
Banks SG, the new bank born of the merger between Crédit du Nord and Société Générale Launched at the end of 2020, the project to merge the Société Générale and Crédit du Nord networks has now been legally formalized.
VSE/SME Corporate profit margins eroded by inflation Corporate profit margins are down slightly on 2021, when they reached 34% of value added.
VSE/SME Business start-ups: the symbolic milestone of one million registrations will be passed in 2022 In 11 months, 980,000 businesses have been created in France. The million mark should be reached this year.
Banks Dollar: markets worried about a crash in 2023 While 2022 was an exceptional year for the dollar, the world's leading currency is set for trouble in 2023.
Banks European banks face a high cyber threat The digitization of banks, the outsourcing of services and data, and certain security flaws explain the level of cyber risk.
SMALL BUSINESSES From January 1, 2023, businesses, local authorities and associations will benefit from the electricity price buffer. In response to the explosion in energy prices, Bercy has announced the roll-out of the electricity buffer for consumers with business contracts.
VSE/SME Points to bear in mind for HR professionals in 2023 The role of human resources managers is constantly evolving to adapt to new trends. Let's take a look at what's in store for them in 2023.
VSE/SME Commodity prices set to soar again in 2023 After a slight dip at the end of 2020, commodity prices are set to soar again in 2023, according to analysts at Goldman Sachs.
Banks The World Bank lowers its growth forecasts for the Chinese economy The World Bank has lowered its growth forecasts for China in 2022 and 2023 due to "significant risks" associated with the...
VSE/SME Power cuts: insurers won't always compensate businesses The power cuts announced for this winter raise the question of compensation for businesses by their insurers.
SMALL BUSINESSES SMEs help local authorities cut their electricity bills Like the French, local authorities have been hard hit by rising electricity prices.
VSE/SME Invoicing: electronic invoicing, a revolution Initially perceived as an additional constraint by companies, the reform of electronic invoicing may turn out to be a good opportunity to modernize your business...
VSE/SME Building and civil engineering: solutions for zero-emission worksites? The construction and public works sector emits large quantities of greenhouse gases, and solutions for achieving carbon neutrality are costly.
VSE/SME Bank credit up again for businesses Outstanding loans to businesses rose by 8.6% year-on-year, a trend that was even more marked for large companies.
VSE/SME Social security contributions: option for quarterly payment possible until December 31 Companies wishing to opt for quarterly payment of their social security contributions must inform their Urssaf or MSA office before December 31.
SMALL BUSINESSES Terms and conditions for the implementation of power cuts in businesses The government has unveiled the conditions for implementing the power cuts that businesses may have to contend with.
VSE/SME Building and civil engineering professionals: compulsory ten-year civil liability insurance is very important The Spinetta law requires all building professionals to take out ten-year civil liability insurance. What does it actually cover?
SMALL BUSINESSES VSEs and SMEs need to speed up e-invoicing rollout The new e-invoicing reform will be phased in between July 1, 2024 and January 1, 2026.
SMALL BUSINESSES Thermal renovation of housing: craftsmen want administrative simplification The red tape involved in obtaining the RGE label is holding back the deployment of thermal renovation work.
VSE/SME Filing a tax claim possible until December 31 It is possible for a company to contest a tax claim by submitting a request to the tax department. This is known as a contentious claim.
VSE/SME Gas shortages: Europe will have to cope in the coming years While the risk of a gas shortage seems to have been averted for this winter, the coming years look very uncertain for European countries.
VSE/SME Supply of goods : VAT payable on advance payments from 2023 On January 1, VAT liability for the supply of goods will change slightly.
SMALL BUSINESSES Business gifts 2022: what taxation applies? Business gifts are commonplace, especially in the run-up to the festive season. The tax treatment of these expenses is strictly regulated.
VSE/SME Closing the books: how to avoid an anxiety-inducing period? For most companies, the festive season is also the end of their financial year. This is often a time of...
SMALL BUSINESSES Businesses concerned about the risk of power cuts With January shaping up to be a complex month in terms of electricity supply, businesses are trying to prepare for the risk of load shedding.
VSE/SME Apply to SIE for a 2022 CET rebate Subject to certain conditions, you may be eligible for a rebate on the territorial economic contribution for 2022.
Banks Which banking professions have been boosted by the crisis? The energy crisis, the war in Ukraine and inflation are creating new needs among bank customers, and boosting certain business lines.
Professionals Asian stock markets destabilized by protests in China After a weekend of demonstrations against the Chinese government's zero Covid policy, Asian stock markets are down.
VSE/SME How to prepare for the 2022 financial year-end? December 31 is generally chosen as the closing date for the financial year, as it corresponds to the end of the calendar year.
VSE/SME Recruiting difficulties: an obstacle to business competitiveness According to the latest Syntec Conseil barometer of French competitiveness, companies are very concerned about recruitment difficulties.
SMALL BUSINESSES Energy bills: a new one-stop shop for businesses Companies that do not benefit from the tariff shield can apply for state aid via a new one-stop shop.
Banks Pan-European payment project EPI focuses on instant payments In March, the EPI project abandoned the card component, and is now focusing on instant payments and digital wallets.
Individuals Eurozone inflation nearing peak? While inflation seems to have peaked in the United States, what's the situation in the eurozone countries?
VSE/SME Changes to the conditions for obtaining the flat-rate deduction for professional expenses Certain professions can claim a "specific flat-rate deduction for professional expenses" of up to 30% of their remuneration.
VSE/SME How to optimize cash flow with VAT credit? In principle, a company can deduct the VAT it has paid to its suppliers.
VSE/SME 2022 cotisation foncière des entreprises to be paid by December 15 Companies and sole proprietors must pay their cotisation foncière des entreprises by December 15 at the latest.
Professionals A commercial lease can only be renewed with the tacit agreement of the tenant. The renewal of a commercial lease must be tacitly and unequivocally accepted by the tenant.
VSE/SME India, a reservoir of dynamic fintechs India is home to a large number of fast-growing fintechs, particularly in the instant payment sector.
VSE/SME The articles of association set the conditions for dismissal of an SAS director In a recent decision, the French Supreme Court (Cour de cassation) ruled that the terms and conditions for the dismissal of a SAS executive are set out in the company's bylaws.
Banks ATMs: banks speed up rationalization of their ATM fleets BNP Paribas, Crédit Mutuel and Société Générale, which announced the pooling of their ATMs a year ago, are putting their plan into action.
SMALL BUSINESSES New acceleration in inflation threatens business activity Inflation is back on course, after slowing for 3 months. Estimated at 6.2% in October, it represents a threat to growth.
VSE/SME Employee savings: what are the advantages for managers? Company directors can benefit from attractive tax advantages when they use employee savings schemes.
VSE/SME What are the 4 new mandatory statements on invoices? A recent decree, which came into force on October 10, requires companies to include 4 new items of information on invoices.
VSE/SME Financing: companies penalized by rising interest rates In its latest annual report, the French High Council for Financial Stability (HCSF) points to a tightening of financing conditions for businesses.
Professionals 300 financial institutions call on companies to reduce their carbon footprint CDP is calling on the 1,000 most polluting companies to adopt serious carbon reduction targets.
SMALL BUSINESSES Companies faced with rising dollar and interest rates The rise in interest rates and the dollar have added to an already complex context for companies, with inflation and the energy crisis as the backdrop.
SMALL BUSINESSES Clement weather and lower consumption: energy prices on the decline Lower consumption and mild temperatures across Europe are driving down gas and electricity prices.
Banks Unions oppose the abolition of 1 and 2 cent coins Evoked for several years by the European Commission, the abolition of the 1 and 2 euro cent coins worries the CGT des Monnaies et Médailles.
Professionals General strike on Tuesday, October 18: what disruptions can be expected? On Tuesday October 18, a day of cross-industry mobilization will lead to disruptions in several sectors.
Banks Italian bank Intesa Sanpaolo launches 4-day week Italy's leading bank is now offering certain employees the option of a 4-day week, i.e. 36 hours a week, with no loss of pay.
VSE/SME Business insolvencies up sharply in Q3 The number of business failures rose significantly in the 3rd quarter of 2022, according to a recent study published by Altares.
VSE/SME Digital Service Act regulations: what are the implications for VSEs and SMEs? The Digital Service Act regulation will impose new requirements on e-commerce platforms, with repercussions for VSEs and SMEs.
Banks Three banks pool their ATMs and cheque processing BNP Paribas, Crédit Mutuel and Société Générale have announced the pooling of their ATM and check processing networks.
SMALL BUSINESSES Are VSEs and SMEs prepared for climate risks? Although VSEs and SMEs are aware of climate risks, they are ill-prepared for them, as a recent study reveals.
Banks Banking: 3400 fewer jobs in 2021 despite dynamic hiring The banking sector has lost almost 3,400 jobs in 2021, or 1% of its workforce.
VSE/SME Companies facing difficulties in repaying their PGE Against a backdrop of rising energy prices and supply tensions, many companies are finding it difficult to repay their PGE.
VSE/SME Production taxes: VSEs and SMEs stand to gain the most from the abolition of the CVAE The abolition of the CVAE (contribution sur la valeur ajoutée des entreprises), scheduled for 2023 and 2024, will mainly benefit VSEs and SMEs.
VSE/SME Businesses: PGE Resilience extended to the end of the year Set up to support companies economically affected by the war in Ukraine, the new state-guaranteed loan (PGE) has been extended until December 31, 2022.
VSE/SME Very small businesses say they are ready to raise wages Recruitment difficulties are among the main obstacles currently facing very small businesses, according to the Bpifrance Le Lab and Rexecode barometer.
Professional Electricity: RTE to return 1 billion euros to customers in 2023 At the beginning of 2023, the high-voltage line operator will redistribute more than 1 billion euros in surplus revenue to its customers.
Individuals Energy prices threaten household and business solvency Soaring energy prices are threatening the solvency of households and businesses alike, and increasing the risk of default.
VSE/SME VAT group option available until October 31 at the latest The Finance Act for 2021 provides for the creation of a specific scheme known as "Groupe TVA" applicable from 2023.
Banks Energy: Deutsche Bank supports the green transformation of SMEs Germany's largest bank has affirmed its commitment to accelerating the green transformation of businesses by launching a loan program for investments in energy efficiency...
SMALL BUSINESSES How are companies anticipating soaring energy prices? Office managers and company directors are looking for ways to limit the rise in their energy bills this winter.
SMALL BUSINESSES B2B: fractional payments target the corporate market Fractional payment players, after focusing primarily on the consumer market, are now setting their sights on the corporate market.
SMALL BUSINESSES Gas and electricity: assistance for energy-hungry businesses extended and expanded The scheme to help companies that consume large amounts of gas and electricity has been extended, announced the French Minister of the Economy and Finance on Tuesday September 6.
Company founders Energy and environmental transition: Bpifrance bets on Greentechs Greentechs, startups offering innovative solutions that improve users' environmental impact, are on the rise in France and Europe.
VSE/SME Strong growth in the factoring market After a sharp downturn in 2020, the factoring sector recorded a record level of activity in 2021, and 2022 looks just as promising.
Individuals Participative financing: one more year to obtain new approval Participatory finance platforms will have one more year to obtain the new approval required by the European Commission.
VSE/SME Cessation of payments: when should it be declared? When a company is unable to pay its debts with its available assets, it is in a situation of cessation of payments or bankruptcy.
Banks Societe Generale: loss of 1.5 billion euros in Q2 The bank was affected by an exceptional charge for the sale of its Russian subsidiary Rosbank.
Banks PGE: the Cour des Comptes' mixed assessment The Cour des Comptes (French Audit Office) has issued a generally positive assessment of state-guaranteed loans, which have not been marketed since June 30.
VSE/SME Local businesses are hiring despite difficulties in finding workers Nearly 20% of local businesses hired at least one employee in the first half of 2022, according to the U2P employment barometer published by Les Echos.
VSE/SME Shortage of manpower: which sectors are most affected? Caregivers, pharmacists, carpenters, carers, blacksmiths... In France, more and more sectors are struggling to recruit.
VSE/SME Recruitment: 9 out of 10 VSEs/SMBs have difficulty finding the right candidate According to the Confédération des PME business survey, 9 out of 10 small businesses are having difficulty recruiting the right profiles.
Banks US banks strengthen their presence in Paris Forced to transfer their teams to continental Europe since the Brexit, US banks are strengthening their presence in Paris.
VSE/SME Professional equality index: what are the new obligations for companies? The professional equality index has recently been strengthened to force companies to be more transparent.
Professionals Retailers closed during Covid-19 must pay rent In a decision handed down on June 30, the French Supreme Court (Cour de cassation) rejected the request of retailers wishing to circumvent their obligation to pay rent due to the...
Start-ups Startups fall for revenue-based financing To optimize their cash flow, companies have a new alternative to traditional bank credit: revenue-based financing.
Company founders Barcelona: an attractive city for French entrepreneurs An increasing number of French start-ups are choosing to set up in Barcelona, a city that benefits from strategic positioning and reserves of skilled labor.
Banks Credit risk, a source of concern for banks Faced with an uncertain economic climate and the threat of recession, banks will have to increase their provisions for the risk of non-payment.
Company founders BlackFin raises 350 million euros to invest in financial startups As the economic situation worsens, BlackFin has announced that it has raised 350 million euros for its new fund dedicated to finance and insurance startups.
VSE/SME Business insolvencies intensify in Q2 Since February, the upward trend in business insolvencies has accelerated. However, the level remains fairly low.
VSE/SME Companies confronted by the euro's fall against the dollar The euro has hit a 20-year low against the dollar. This fall represents an additional difficulty for companies.
VSE/SME French VSE/SME business resilient despite slowdown Despite an economic context weakened by inflation and the war in Ukraine, French VSE/SME business should hold up well in 2022.
SMALL BUSINESSES Biotechs multiply clinical trials Biotechs - young companies with annual sales of less than $500 million - are developing more and more products.
SMALL BUSINESSES Automated carbon audits: a booming market More and more startups are entering the booming market for automated carbon audits for businesses.
Banks Australia: neobanks face competition from traditional banks One after another, Australia's neobanks are winding down their operations. The latest is the Volt neobank.
VSE/SME Shopify launches payment solution in partnership with PayPal Shopify has announced the launch of Shopify Payments in France, a payment solution already deployed in 18 countries.
Banks Fintechs need to develop new strategies Rising interest rates, economic uncertainty, inflation: fintechs are being forced to develop new strategies, just like banks.
Banks Inflation: banks must resume wage talks With inflation rising rapidly, banks have no choice but to resume pay talks as soon as possible.
VSE/SME VSE/SME: more flexible profit-sharing agreements The draft law on purchasing power contains new measures designed to facilitate the implementation of profit-sharing agreements in SMEs.
SMALL BUSINESSES Companies: the growing use of freelance consultants Freelancing is on the up: companies are increasingly turning to independent consultants in their search for flexibility.
VSE/SME French companies gradually withdraw from Russia French companies are gradually winding down their operations in Russia, without deserting the country altogether.
SMES Digital transformation: French SMEs lag behind According to a recent study by BCG and Medef, many French SMEs have not really begun their digital transformation.
Company founders From unicorn to centaur: European startups consolidate their position European startups are becoming increasingly important. There are several indicators to measure these transformations.
VSE/SME State-supported Relance equity loans extended to 2023 A May 5 decree extends government-backed equity loans until December 31, 2023.
VSE/SME Shareholders' agreement: beware of the non-competition clause Whether or not a non-competition clause is included in a shareholders' agreement, it must meet certain conditions of validity. Here's how.
Banks Deutsche Bank repatriates IT experts from Russia Deutsche Bank has offered to relocate some of its IT experts working in Russia to its new technology center in Berlin.
VSE/SME Fluctuating exchange rates: how to protect yourself? Daily fluctuations on the currency markets expose companies to foreign exchange risk.
VSE/SME Sole proprietors: business assets separate from personal assets Since May 15, sole traders have been governed by a single status, and can no longer opt for the EIRL status.
SMALL BUSINESSES Health crisis: what impact on French productivity and competitiveness? The 3rd report from the CNP (National Productivity Council) raises the question of whether the French economy has lost or gained in efficiency as a result of the...
SMALL BUSINESSES Gas and electricity: assistance for high-consumption businesses As part of its economic and social resilience plan, the French government has announced the introduction of assistance for companies that consume large quantities of gas and electricity....
VSE/SME 5 markers of the transformation of the corporate debt market The corporate debt market is in a state of upheaval, driven by inflation, rising interest rates and the withdrawal of the ECB.
SMALL BUSINESSES Businesses: hiring remains at a high level Despite the war in Ukraine and growth coming to a virtual standstill, companies continue to hire on a massive scale.
Banks United Kingdom: colossal fraud involving government-backed loans State-guaranteed loans to British companies during the health crisis were the subject of massive fraud.
VSE/SME Corporate and household debt worries supervisors The Bank for International Settlements is concerned about corporate and household debt, seeing it as a threat to the financial system.
Banks Russian companies: payment defaults on the increase As a result of the financial sanctions imposed by Europe and its allies, Russian companies are increasingly defaulting on their payments.
Banks Société Générale finalizes the sale of its Russian subsidiary Société Générale Group has just finalized the sale of its Russian subsidiary Rosbank to Interros Capital, a Russian investment fund.
Individuals Mastercard aims to enhance the shopping experience with biometric payment Mastercard unveils its biometric payment program, enabling customers to pay by fingerprint or facial recognition.
Banks NGOs accuse banks of signing a blank check to TotalEnergies Several environmental NGOs are denouncing a general loan granted by 12 banks, including 3 French banks, to TotalEnergies.
Banks Bank transfer fraud: Crédit Agricole CIB partners with Trustpair Crédit Agricole's investment bank has partnered with fintech Trustpair to combat money transfer fraud.
VSE/SME PayPal now offers loans to French VSEs and SMEs PayPal is launching a Revenue-Based Financing offer in France, i.e. loans based on the sales generated by very small businesses on its platform.
Banks The impact of the war in Ukraine on the ruble market Since the start of the war in Ukraine, the ruble market, now tightly controlled by the Russian government, has undergone a metamorphosis.
SMALL BUSINESSES VAT and e-commerce: what rules apply? VAT rules for e-commerce have changed since July 1, 2021. Here's what you need to know.
SMALL BUSINESSES Corporate environmental data published on Impact.gouv.fr Impact.gouv is a platform designed to raise companies' awareness of their environmental, social and governance (ESG) performance.
Banks Financial institutions threatened by global water crisis Water-related problems pose a threat to financial institutions, which underestimate the risks to which they are exposed.
Banking Meta suffers a setback with its payment offering in Brazil Meta, the parent company of WhatsApp, Facebook and Instagram, sees the launch of its payment service in Brazil delayed.
VSE/SME Brexit: many trade flows interrupted between the UK and the EU A new study published by the London School of Economics shows that many British SMEs have given up exporting to the European Union.
Individuals Apple Pay in the sights of the European Commission The European Commission believes that Apple is blocking competition by restricting access to iPhone NFC technology for Apple Pay.
Banks Greenwashing: HSBC singled out by UK advertising regulator The UK's advertising regulator is about to call HSBC to order for greenwashing.
Banks Banks maneuver to save Gefco Faced with the risk of sanctions, Gefco's banks have pulled out all the stops to ensure the sale of the stake held by Russian Railways.
VSE/SME Raw materials: why prices will continue to rise In its latest annual report, the World Bank predicts that commodity prices will remain high until 2024.
VSE/SME Russian banker: European companies in trouble Manufacturers have taken out nearly $22 billion in credit with Russian lenders, according to Bloomberg.
Banks Germany: Volkswagen Financial Services more profitable than banks In Germany, the profitability of banks has been overtaken by that of the carmakers' financial branches.
VSE/SME Revenue-based financing: loans based on company revenues The European payments giant is making its mark on the banking market with the launch of a dedicated financing service for small businesses.
Banks USA: bank deposits on the decline After years of rising bank deposits in the US, the trend is reversing, with a decline expected in 2022.
VSE/SME Cyber-attack: the filing of a complaint is a prerequisite for insurance cover A new bill proposes to make reimbursement of cyber incidents conditional on the victim lodging a complaint within 48 hours of payment.
VSE/SME 4-day week: a large-scale trial in the UK The UK is to carry out a large-scale trial of the 4-day week, involving 3,000 employees in 60 companies.
VSE/SME Get free company information Pappers, Societe.ninja, LegalTile... Several companies offer free access to commercial register information.
Banks Europe takes new measures against Russian banks The 27 member states of the European Union have agreed a new round of sanctions against Russian banks.
SMALL BUSINESSES Cybersecurity: 7 ways to protect your business A security breach or the disclosure of confidential data can have serious consequences for a company's business.
VSE/SME A rebound in business failures in the first quarter In the first quarter of 2022, the number of business failures rose again after 2 years at their lowest level.
Banks Societe Generale discontinues its banking and insurance activities in Russia Societe Generale announces the sale of its entire stake in Rosbank, as well as its insurance subsidiaries in Russia.
SMALL BUSINESSES 3 key points for improving customer relations Customer satisfaction indicators, often overlooked, are a goldmine that can be exploited to improve your service strategy.
Start-ups A practical guide to successfully selling your startup The Galion Project and Edmond de Rothschild bank have published a practical guide to help entrepreneurs successfully sell their start-up.
VSE/SME SME mergers & acquisitions slow down in 2022 The overall value of mergers & acquisitions fell in Q1 2022, as the war in Ukraine weighed on the market after a very dynamic year.
VSE/SME Global warming: the IPCC's solutions for limiting it The IPCC has just published the latest part of its report on solutions for containing climate disruption by sector of activity.
VSE/SME Portailpro: a website dedicated to tax and social security procedures for businesses On February 24, the French government announced the launch of the Portailpro.gouv.fr website, enabling companies to complete their tax and social security formalities.
VSE/SME Sole proprietorship: what the separation of assets changes The law of February 14, 2022 created a new, more protective status for sole traders. As of May 15, only business assets will be...
VSE/SME Payment times: SMEs better than large companies As the effects of Covid-19 gradually fade, payment times are falling, particularly among SMEs.
VSE/SME Ukraine war threatens rail Silk Road Russia's invasion of Ukraine could threaten the 11,000 kilometers of rail linking China to Europe. Read on.
Banks How banks operating in Russia cope with cyber risk Fearing a higher risk of cyber attacks, banks operating in Russia are trying to isolate their local subsidiaries from the parent company.
VSE/SME Employee brown-out: a new challenge for VSEs and SMEs From telecommuting to the sometimes forced return to the office, the health crisis has led some employees to experience a profound loss of meaning at work.
Banks BNP Paribas suspends its activities in Russia The BNP Paribas group announced on Monday evening that it was suspending "all new investments" and "all new projects" in Russia.
VSE/SME From Covid to Ukraine: what is the financial situation of French VSEs and SMEs? A study by the Conseil d'analyse économique details the financial situation of companies and households after two years of the pandemic.
VSE/SME Pôle emploi: opening up to competition to reduce unemployment? A recent note from the Conseil d'analyse économique (French Council for Economic Analysis) raises the possibility of opening up Pôle emploi to competition from private service providers.
Banks International banks slow to withdraw from the Russian market Most of the international banks present in Russia seem to have started a race against time to avoid having to leave the country.
VSE/SME Telecommuting: how Covid prompted companies to reorganize The health crisis has prompted companies to adopt telecommuting on a massive scale, and the new form of the scheme seems to be taking hold. Here's an overview of the subject.
Individuals Ukraine: France less exposed to soaring prices than its neighbors Less dependent on Russian gas than some of its neighbors, France also has limited trade relations with Russia. Here's how.
Banks European banks still relegate women to the background Although women are more present on boards of directors, they are still under-represented at the highest levels of European banks.
SMALL BUSINESSES Cybersecurity: the Cloud exposes companies to cyber risk The French National Agency for Information Systems Security warns businesses of the cyber risks of storing data in the cloud.
VSE/SME War in Ukraine: companies worried about their export insurance cover French companies with Russian partners are worried about their export insurance cover in the current climate.
Company founders Next40/FT120: who's behind the startups' fundraising? Cédric O recently unveiled the list of French startups selected for inclusion in the Next40 and French Tech 120 indices.
Professionals Fuel costs per kilometer: higher scales in 2021 The tax authorities have published the fuel expenses scale for the 2021 tax return, to be filed in spring 2022.
VSE/SME Private equity giants compete with banks The big players in the private equity sector are differentiating themselves from banks by offering their customers additional services. We take a closer look.
Individuals Visa, Mastercard and American Express suspend operations in Russia War in Ukraine. American payment giants Visa, Mastercard and American Express have announced the suspension of their operations in Russia.
Professionals Law to promote self-employed professional activity published The bill in favor of independent professional activity, known as the "Independent Plan", was definitively adopted on February 8, 2022.
Banks Bankruptcy threatens European subsidiary of Russian bank Sberbank Since the introduction of economic sanctions, coupled with massive withdrawals, bankruptcy threatens Sberbank's European subsidiary.
Banks Ukraine: the EU and its allies decide to exclude several Russian banks from Swift The European Union and its allies have decided to sanction Russia by excluding several of its banks from the Swift network.
VSE/SME Festival des entrepreneurs: 30 dates for the Big Tour 2022 For its 2022 edition, the Big Tour will make stops in over 30 towns representing every region of France.
VSE/SME 50% of VSE/SME managers plan to increase salaries in 2022 According to the latest Bpifrance Le Lab and Rexecode barometer, one out of every two VSE/SME managers plans to increase salaries in 2022.
VSE/SME Cyber attacks and ransomware: what is the role of insurers? According to the Haut Comité Juridique de la Place Financière de Paris, a ban on ransom payments is not desirable.
VSE/SME Clearance plans, fraud: Urssaf checks intensify Since January, Urssaf has stepped up its checks on companies, tracking down fraudsters and bad payers.
Banks PGE, teleworking, raw materials... what are the challenges facing small businesses? Telecommuting, wage increases, CSR, rising raw material prices, EMP reimbursements: what are the challenges facing small and medium-sized businesses?
VSE/SME Short contracts: bonus-malus does not influence employers' practices The government's proposed alternatives to short-term contracts do not seem to be appealing to employers. We take a closer look.
VSE/SME Production taxes: France ranks among Europe's "worst performers According to a recent study by the Institut Montaigne, France ranks among the European countries with the highest production taxes. An overview of the subject.
Banks Company directors: training tax credit doubled by 2022 Managers who wish to acquire new skills can benefit from a tax advantage in the form of a tax credit. Find out what you need to know.
Individuals Bpifrance launches a new investment fund for individuals Following the success of its first fund in 2020, Bpifrance is launching "Entreprises 2", a new fund dedicated to individual investors.
Banks Banks expand their payments business Banks, which have long neglected the payments market, are now seeking to move into the field alongside other players.
SMALL BUSINESSES Supply: companies hope for an improvement by the end of 2022 Companies are facing supply difficulties. Some 75% are hoping for an improvement by the end of 2022.
VSE/SME Maritime transport: rising costs and delays impact SMEs Since the start of the pandemic, maritime transport has been considerably disrupted, causing difficulties for many SMEs.
SMALL BUSINESSES Businesses: 5 security reflexes before executing a transfer Fraudulent bank transfers are a real threat to businesses of all sizes. How can you prevent them?
Banks Towards the inclusion of gas and nuclear power in the European taxonomy On February 2, the European Commission presented its draft delegated act concerning the European Union's green taxonomy.
VSE/SME French Tech: bosses' remuneration up 30% in 2021 Remuneration for startup founders in France has jumped by an average of 30% since 2019, according to a recent study by The Galion Project.
Banks Cyber attack: authorities urged to communicate better with the public The European Systemic Risk Board calls on financial authorities to communicate better with the public in the event of a cyber attack.
VSE/SME Quotes: why include a price revision clause? Faced with rising raw material, transport and energy costs, companies are forced to increase their prices in order to maintain their margins.
VSE/SME Companies in difficulty will be able to repay their PGE over 10 years Companies experiencing difficulties in repaying their PGEs will be able to request that their monthly payments be spread over a 10-year period.
Banks JP Morgan aims to expand in European payments JP Morgan has recently acquired a 49% stake in Greek payments company Viva Wallet, with a view to establishing itself in the European payments sector.
SMALL BUSINESSES Some companies pledge their stock as collateral for financing Still relatively undeveloped in France, the stock pledge market, which enables companies to pledge their stock as collateral, could take off.
SMALL BUSINESSES Electricity: 150 companies would have closed without government intervention Without the measures taken to limit the rise in electricity prices, 150 companies could have closed, according to the Ministry of Industry.
VSE/SME Increase in disputes linked to supply difficulties Faced with supply difficulties, companies are having to deal with an increase in disputes linked to shortages.
Professionals British fintech Checkout valued at $40 billion Online payment platform fintech Checkout.com is now valued at $40 billion following a recent fundraising round.
Professionals Companies: Omicron-related absenteeism remains limited Despite a surge in Omicron-related Covid-19 cases, employers' associations report that absenteeism in companies remains limited.
Banks Citigroup bank to lay off unvaccinated employees The American bank has informed its employees that they will be dismissed if they do not vaccinate within the next few days.
Banks Banks: collective pay rises expected in 2022 After two years marked by the Covid-19 crisis, wage increases are expected in several sectors, including banking.
Professionals What is the status of the business owner's spouse or partner? Spouses who regularly participate in the company's activities are required to choose one of the following statuses: collaborator, associate or employee.
Professionals Internationalization, the next challenge for French fintech? Despite record fund-raising in 2021, French startups are still struggling to establish their model internationally.
Banks United Kingdom: Santander distributes 150 million euros by mistake Santander's UK subsidiary mistakenly distributed £130 million on Christmas Day, a sum it intends to recover.
Banks ING withdraws from the French online banking market Dutch banking group ING announced on Tuesday December 21 its decision to leave the French online banking market.
Company founders Business start-ups reach a new record in 2021 In 2021, the number of business start-ups increased significantly, surpassing the record level reached in 2020.
SMALL BUSINESSES Many SMEs are experimenting with the 4-day week More and more companies, including a majority of SMEs, have been experimenting with the 4-day working week for some weeks or months now.
Individuals CNIL: 5 resolutions to strengthen personal data protection Gathered within the Global Privacy Assembly, 81 authorities have agreed on five resolutions to strengthen data protection.
VSE/SME Penalties for non-compliance with payment deadlines? Companies that use the services of service providers must pay their invoices on time. Failure to do so may result in penalties.
SMALL BUSINESSES SMIC to rise by 0.9% on January 1, 2022 As of January 1, 2022, the SMIC (minimum wage) will automatically increase by 0.9%, or 14 euros gross per month, with no government boost.
Banks Crédit Suisse tightens controls on employee communications Crédit Suisse now requires access to business communications made from employees' personal devices.
Individuals Consumer credit: fractional payments on the rise Although not subject to consumer credit rules, fractional payments are booming in France.
VSE/SME Help with rents and rental charges, a new scheme for businesses The "rents and rental charges" aid is a new support scheme for companies affected by the health crisis. Find out more.
VSE/SME How to obtain a SIRET number Getting ready to set up your own business? Find out how to obtain a SIRET number.
VSE/SME France Relance Plan: what has been achieved for VSEs and SMEs? The France Relance plan aims to highlight the role played by VSEs and SMEs in French society and the economy.
VSE/SME Business: conditions for property tax relief Since March 2020, the government has been introducing exceptional measures to combat the spread of Covid-19 and its collateral effects.
Professionals Internal carbon pricing: companies take the lead Aware of the risks associated with climate change, several companies have decided to apply a carbon price to themselves.
VSE/SME The budget landing: how to anticipate the 2021 accounting close? Anticipating the 2021 financial year will help you prepare for the year ahead, which promises to be a crucial one for many companies.
Individuals USA: moviegoers can buy tickets in cryptocurrencies The AMC group, which runs the largest network of movie theaters in the United States, now allows moviegoers to buy tickets in cryptocurrencies.
Banks M&A: a boom in France The year 2021 saw the M&A market take off in France and around the world, driven by a desire to refocus activities.
Bank Watch Cybersecurity: a warning system for small businesses At a time when cyber-attacks are exploding, the government wants to give small businesses the means to cope.