Coronavirus News Feed

Special Suggestion Box for Covid-19


TUTORIALS AND OTHER USEFUL DOCUMENTS (almost all in French... sorry!):

* Tutorial: Application for Solidarity Fund Assistance
* Tutorial: Application for Assistance from the Exceptional Solidarity Fund Occitania
* Tutorial: Application for Agglo Béziers Méditerranée Aid
* Tutorial: How to get my Kbis for free
* Tutorial: 
Steps to get a state-guaranteed loan (in English)
* Tutorial: Request for partial unemployment & Compensation Request
* Tutorial: Request for childcare leave
* Tutorial: Modify or delete your withholding tax installments
* Guide: 
Reopening of companies and end of containment protocol


* Template: Bank Letter for Deferral of Lease Rents
* Template: Bank Letter for Deferral of Loan Payments
* Template: 
Mail to the LESSOR for Request for postponement or deferment (following business closure
* Template: Mail to LESSOR for Amicable Request
* Template: Company agreement
* Template: Unilateral Decision of the head of company
* Template: Unilateral Decision of the head of company instituting  a salary supplement in case of part-time activity


* Form: Digital override travel certificate generator
* Form: 
Derogating travel certificate - new version of 24/03/2020
* Form : URSSAF's request for exceptional financial aid for self-employed persons 

* Amendment to the mission letter: Accompaniment Request for Assistance - MARCH
* Amendment to the mission letter: Accompaniment Request for Assistance - APRIL

* Official document: Economic measures put in place by the government in favour of enterprises and useful contacts
* Official document: Mandatory measures by the employer to protect its employees
* Official document: Press kit "The Solidarity Fund" of 25/03/2020 distributed by the government
* Official document: "The State and the Region support regional agriculture" of 10/04/2020

* Information by profession: Safety measures for DELIVERY DRIVER on 27/03/2020
* Information by profession: Safety measures for WORK ON THE CASH REGISTER on 27/03/2020
* Information by profession: Safety measures for WORK IN BAKERY on 27/03/2020

* Information by profession: Safety measures for WORK IN A GARAGE on 31/03/2020
* Information by profession: Safety measures for AGRICULTURAL ACTIVITY on 31/03/2020
* Information by profession: Safety measures for WORK IN A DETAIL TRADE on 31/03/2020
* Information by profession: Safety measures for GREEN SPACES WORKSITE on 02/04/2020
* Information by profession: Safety measures for WORK IN THE BREEDING SECTOR on 02/04/2020
* Information by profession: Safety measures for HORSE SECTOR on 02/04/2020
* Information by profession: Safety measures for CONSTRUCTION WORK on 03/04/2020
* Information by profession: Safety measures for SEASONAL WORK on 03/04/2020
* Information by profession: Safety measures for WORK IN SLAUGHTERHOUSE on 03/04/2020
* Information by profession: Safety measures for AGRICULTURAL ACTIVITY on 06/04/2020
* Information by profession: Safety measures for COLLECTIVE CATERING OR TAKEAWAY SALE on 07/04/2020
* Information by profession: Safety measures for SECURITY AGENT on 09/04/2020
* Information by profession: Safety measures for WORK IN THE HOTELS on 09/04/2020
* Information by profession: Safety measures for HOME TROUBLESHOOTING AND HOME SERVICE at 09/04/2020
* Information by profession: Safety measures for PLUMBING on 09/04/2020
* Information by profession: Safety measures for INDUSTRIAL LAUNDRY on 09/04/2020
* Information by profession: Safety measures for COLLECTION OF HOUSEHOLD ORDURES on 09/04/2020
* Information by profession: Safety measures for FUNERAL DIRECTOR on 14/04/2020
* Information by profession: Safety measures for MAINTENANCE WORKER on 14/04/2020
* Information by profession: Safety measures for CALL CENTER OPERATOR on 14/04/2020
* Information by profession: Safety measures for AGRICULTURAL WORK SITES on 14/04/2020
* Information by profession: Safety measures for RECEPTIONIST OR NIGHT WATCHMAN on 14/04/2020
* Information by profession: Safety measures for SHORT CIRCUIT WORK - AMAP - FARM SALE on 17/04/2020
* Information by profession: Safety measures for WORK IN MARKET GARDENING on 18/04/2020
* Information by profession: Safety measures for WORKING IN DRIVE on 18/04/2020
* Information by profession: Safety measures for WORK AT A GAS STATION on 18/04/2020
* Information by profession: Safety measures for WINE-GROWING AND/OR WINEMAKING ACTIVITY on 22/04/2020
* Information by profession: Safety measures for WORK IN SHELLFISH AND MUSSEL AQUACULTURE on 22/04/2020
* Information by profession: Safety measures for CUSTOMER ADVISER AND/OR RECEPTION STAFF IN THE BANKING SECTOR on 22/04/2020
* Information by profession: Safety measures for PROVIDER OF PREMISES MAINTENANCE on 22/04/2020

* Information by profession: Safety measures for MANAGEMENT OF COMMON AREAS AND CHANGING ROOMS on 27/04/2020
* Information by profession: Safety measures for WORKING IN A VETERINARY PRACTICE on 27/04/2020
* Information by profession: Safety measures for WORK IN BUTCHERY, DELICATESSEN, CATERING on 27/04/2020
* Information by profession: Safety measures for SORTING OR INCINERATION CENTRE EMPLOYEE on 27/04/2020
* Information by profession: Safety measures for RENTAL OF EQUIPMENT AND MACHINERY on 27/04/2020
* Information by professionSafety measures for TEMPORARY WORK on 29/04/2020
* Information by profession: Safety measures for PET SHOP WORK on 29/04/2020
* Information by profession: Safety measures for OFFICE STAFF ATTACHED TO PRODUCTION on 29/04/2020
* Information by profession: Safety measures for CONTROL, VERIFICATION, DIAGNOSTIC OFFICES on 29/04/2020
* Information by profession: Safety measures for ORDER PICKER IN A LOGISTICS WAREHOUSE on 29/04/2020
* Information by profession: Safety measures for TAXI OR VTC DRIVER on 29/04/2020
* Information by profession: Safety measures for HOME HELP on 29/04/2020
* Information by profession: Safety measures for WORK IN PHARMACY on 06/05/2020
* Information by profession: Safety measures for PRODUCTION WORKER on 06/05/2020
* Information by profession: Safety measures for SUSPICION OF CONTAMINATION on 11/05/2020
* Information by profession: Safety measures for WORK IN ARBORICULTURE on 11/05/2020
* Information by profession: Safety measures for WORK IN A FOOD RETAIL BUSINESS on 11/05/2020
* Information by profession: Safety measures for WORK IN A NON-FOOD RETAIL TRADE on 11/05/2020
* Information by profession: Safety measures for 
CONSULTING SELLER on 11/05/2020
* Information by profession: Safety measures for WORK FOR PEOPLE WITH DISABILITIES on 19/05/2020
* Information by profession: Safety measures for TELEWORK FOR PEOPLE WITH DISABILITIES on 19/05/2020
Information by profession: Safety measures for Insurance (general agency, brokerage, assistance, insurance companies) on 16/06/2020
* Common end-of-quarantine protocol for UNHCR professions (hotels, cafés, restaurants)
Poster for UNHCR professionals committing to respect the health protocol
* Common Health Protocol for Travel Agencies
* Good practice for Furnished tourism (holiday rentals)
* Health protocol for Outdoor hotels, campsites and residential leisure parks
* Guide to good practice in Tourist residences, clubs and holiday villages
* Guide to good practice in Leisure, attraction and cultural areas
* Good practice for Carrying out maintenance work on Ski lifts and in ski areas
* Good practice for
Road transport of goods and logistics services
* Good practice concerning Cash in transit and handling of valuables
* Good practice concerning Automobile, cycle and motorcycle services
* Guide of recommendations for the Wood business
* Guide of recommendations for the Activity of sales outlets - Fédération de négoce du bois et des matériaux de construction
* Guide of recommendations for the BTP (construction industry)
* Good practice for the Tiles and Bricks activity
* Good practice for Agencies of distributors of building supplies, finishings and industry
* Good practice for the Cement industry

* Good practice for Individual Employers and Home Employment
* Good Practice in the Rubber Sector
* Good Practice for the Shoemaking Industry

* Good practice for the Resumption of the dog and cat professions
* Good Safety Practice Guide for the Tannery Megisserie Industry

* Good practice for the Reception of customers in Leather goods outlets
* Good practice concerning the Reception of the public in the retail, clothing and textile sectors
* Good practice for the Aesthetic Activity
* Good practice for the Hairdressing industry
* Guide of recommendations for Electricity and gas network operators
* Good practice for Engineering, digital, consulting, event and professional training
* Good practice for Professional Training in Companies
* Guide for Business Hosting (co-working)
* Good practice for Office and Digital Enterprises (EBEN)
* Good practice in the Telecommunications sector
* Good practice for Dental Prosthodontists


FINANCIAL ASSISTANCE FOR BUSINESSES AND THE SELF-EMPLOYED

Faced with the health crisis of Covid-19 and its economic impacts, we ask you to find below a summary of the aid for companies and self-employed workers. This table includes the various aid measures announced to date, and we will update it as soon as new aid is announced.
 

Aid Amounts Conditions of award Application opening dates Application procedures
Small Business Assistance
Aid 1 - National
€ 1.500 See our post below from Friday July,24th Already opened 

Click here
You can see our tutorial here

Small Business Assistance
Aid 2 - Regional
From € 1.000
to € 2.000
See our post below from Friday July,24th Already opened Click here
Small Business Assistance from Occitania
Aid 2 Bis
From € 1.000
to € 4.000
See our post below from Friday May,29th Already opened - Finish on June, 30th Click here
Occitania Region Assistance
Aid 3
From € 1.000
to € 1.500
See our post below from Friday April, 10th Already opened Click here
You can see our tutorial here
L'OCCAL Funds Component 1 50% of the cash requirement See our post below from Thursday June, 4th Already opened Click here
L'OCCAL Funds Component 2 70% maximum capped See our post below from Thursday June, 4th Already opened Click here
COVID Cash Crisis Company Contract 50% of 6 months WCR See our post below from Thursday June, 4th Already opened Click here
CIPAV Assistance Undetermined and allocated on a case-by-case basis See our post below from Friday May,29th Already opened The application process will be sent by email to members.
CPSTI Assistance (URSSAF) Undetermined and allocated on a case-by-case basis See our post below from Monday, March 30th Already opened Click here
CPSTI RCI Assistance Capped at €1250 net of tax and social charges * Being attached to RCI
* In operation as of March 15, 2020
* To be registered before 1 January 2019
No action required Paid automatically
More info : 

https://bit.ly/2wM4SmO
AGIRC-ARRCO Assistance Allocated on a case-by-case basis and capped at €1500 See our post below from Thursday, May 14th Already opened See our post below from Thursday, May 14th
Assistance from the Emergency Fund of Sète Agglopôle Méditerranée Undetermined See our post below from Monday, April 20th Already opened Click here
Assistance from the Montpellier Méditerranée Métropole Support Fund Undetermined See our post below from Wednesday, April 22th Already opened Click here
Assistance from the Agglomération du Pays de l’Or From € 500 to € 1 000 See our post below from Friday May,29th No action required Click here
Assistance of the Solidarity Fund from the Agglomération Béziers Méditerranée 1000 € See our post below from Tuesday, April 23th Already opened Click here
You can see our tutorial here
Assistance from La Domitienne From € 1 500 to € 6 000 See our post below from Friday May,29th Already opened - Finish on June, 30th Click here

APPLICATION DEADLINES: It should be noted that for several aids, including those under Components 1, 2 and 3 as well as the Sète Agglopôle Méditerranée aid, the periods indicated for the submission of claims concern well-defined compensation periods (e.g. up to 30 April for March claims).

The OCCITANIA Region offers to the companies of its sector various exceptional financings on the occasion of the fight against the Covid-19 crisis:

Important: we strongly advise all persons who have correctly acquainted themselves with the subsidies mentioned above, and who are actually in a situation of revival through investment and development, to contact their usual accounting contact in our firm in order to be able to discuss the project in question in greater depth together, and to define the support necessary to obtain the desired subsidy.
 

************************************************************************
************************************************************************

************************************************************************

Friday, July 24th: Evolution of the Solidarity Fund

Dear Customers,

Initially extended until 31 December 2020 for companies in the tourism and catering sectors, the Solidarity Fund is finally renewed in June 2020 under conditions similar to those of the previous months.

Below we remind you of the essential characteristics and new features.

> Component 1

Size criteria:

  • have a workforce of 10 or fewer employees;
  • have a turnover of less than 1 million euros;
  • have a taxable profit (including, if applicable, sums paid to associate directors) not exceeding €60,000;
  • for the operator or the majority manager, not to be in possession of a full-time employment contract on 1 March 2020 and not to have benefited in May 2020 from retirement pensions or social security daily allowances for a total amount exceeding €1,500;
  • not be controlled by a commercial company.

It should be noted, however, that these criteria have been modified for tourism and catering companies listed in Annex 1 of this decree. For these businesses, the turnover threshold is raised to €2 million and the staff threshold to 20 employees.

This doubling of the threshold for these entities also applies retroactively to the Solidarity Fund relating to the month of May 2020.

 Criteria relating to the activity:

  • having been banned from receiving the public between June 1 and June 30, 2020, or having suffered a loss of turnover of at least 50% between June 2020 and June 2019, or at your choice in relation to the average monthly turnover for the year 2019;
  • have started its activity before March 10, 2020 (the decree extends the aid to business start-ups between March 1 and 10, 2020 and makes this criterion retroactive to May aid);
  • not be in compulsory liquidation on 1 March 2020.

For companies listed in Annex 1 or whose main activity is listed in Annex 2 of the decree, with a turnover of more than €1 million and 10 employees, an 80% reduction in turnover between 15 March and 15 May 2020 is necessary in order to be eligible for aid.

As regards the criterion of being banned from hosting the public, reasoning by analogy with the March aid, the fact of being banned from hosting on 1 June should be sufficient to satisfy the condition. Nevertheless, we hope to obtain clarification on this point in the coming days from the competent administrations.

 How to apply for this grant:

  • apply before 31 July 2020 for the month of May;
  • apply before 31 August 2020 for the month of June;
  • on the special area of the impots.gouv.fr website.

Please note: the amount of the bonus, capped at €1,500, is equal to the amount of the reduction in turnover.


> Component 2

Eligibility requirements:

  • to have benefited from component 1 for one month;
  • to have employed at least one employee on 1 March 2020 or 10 March 2020 (in the case of a creation after 1 March 2020) or to have been the subject of a ban on admission to the public between 1 March and 30 June 2020;
  • have a turnover in excess of €8,000.

In addition, the following transaction must show a negative balance on the day of application for this aid:
Available Net Assets

- Debts due within 30 days including deferred rentals that have not yet been settled
- Fixed charges for April and May
+ Social security contributions March, April and May (except compulsory supplementary pension)
+ Self-employed contributions for the months of March, April and May

For more information, see Article 4 I-3° of the Decree.

Please note: the condition of refusal of a loan by a banking institution has been repealed.

This concept of net assets requires you to have up-to-date accounting records to assess your eligibility for aid.
It seems necessary to us to create an accounting situation in order to protect you from any risk of repayment of aid that has been wrongly received.
Therefore, if you would like us to assist you in this process, you will need to contact your usual collaborator in order to determine the cost of this mission.

Amount of aid: 

  • €2,000 for companies with a turnover of less than €200,000 euros;
  • €3,500 for companies whose turnover is between €200,000 and €600,000 euros;
  • €5,000 for firms with a turnover of more than €600,000.

NB: Where appropriate, the amount of aid will be capped at the absolute value of the result obtained from the operation described above.

The aid application must be submitted on the Region's website, together with supporting documents, by 15 September 2020 at the latest.

All our teams remain at your disposal for any further information concerning these devices. Do not hesitate to contact your usual collaborator!

Yours sincerely,

The French Business Advice team


************************************************************************

Friday, July 03rd: 3rd Draft Amending Finance Law for 2020

Dear Customers,

The prolonged decline in economic activity in the second quarter due to the Covid-19 crisis, followed by the gradual recovery of this activity, resulted in a revised growth forecast of -11% for 2020. In order to support the country's economy, the government has therefore recently presented
a third amending finance bill (PLFR 3) for this year, which is still under review, but which we are already summarising below.

> The main lines addressed in this 3rd draft amending budget bill

  •  An increase in the budgets allocated to emergency measures in favour of employees and businesses, amounting to € 31 billion for partial activity and € 8 billion for the solidarity fund for very small businesses;
  • The appropriations needed to implement the emergency support plans for the sectors most affected, namely tourism, the automobile industry, aeronautics, culture and start-ups;
  • Nearly € 3 billion devoted to the implementation of a measure of exemption from employers' social security premium and contributions, combined with a credit for contributions;
  • Several measures to support local and regional authorities and help them support the recovery of activity following the crisis;
  • The strengthening of measures dedicated to emergency accommodation and the fight against domestic violence;
  • Exceptional financing measures for students, young people in precarious employment and French nationals living abroad.

> Exemption from employers' social security premium and contributions, combined with a contribution credit

This system of exemptions from employer's contributions concerns three types of beneficiaries:

  • Companies with a workforce of less than 250 employees from sectors of activity particularly affected by the crisis, i.e. tourism, hotels, catering, sport, culture, air transport and events;
  • Companies with fewer than 250 employees, whose activity depends on the sectors mentioned above, and which have suffered a very sharp drop in their turnover;
  • Firms with fewer than 10 employees that were under administrative obligation to close during containment.

The bill also provides for:

  • For the 3 types of beneficiaries mentioned in the paragraph above => a system of crediting charges for the payment of all contributions declared to the URSSAF in 2020;
  • For companies employing less than 50 employees and not belonging to the 3 types of beneficiaries mentioned above => partial rebates of contributions.


Please note: the employer must declare the benefit of these exemptions and expense credits directly in his personal social declaration (DSN). He must first regularise the partial activity via the DSN, before declaring these measures. Thus, if the employer has not already done so, he will have to proceed with these regularisations as soon as possible. More information on the declaration instructions is available on the dsn-info.fr website.

A website has been set up by the URSSAF to make these measures clearer for everyone to understand:
https://mesures-covid19.urssaf.fr

All our teams remain at your disposal for any further information concerning these devices. Do not hesitate to contact your usual collaborator!

Yours sincerely,

The French Business Advice team

************************************************************************

Friday, June 26th: Relaxing of the Solidarity Fund & Carpimko Aid

Dear Customers,

The Solidarity Fund's national aid system has recently undergone some adjustments aimed at making it more flexible: the main features are outlined below. Also, we wanted to inform the members of the Carpimko pension fund for the liberal professions that it offers aid in response to the Covid-19 crisis, which we will discuss in the second part.

1/ Modifications to the Solidarity Fund scheme

Decree 2020-757 of June 20, 2020 makes the previous decree of March 30, concerning the Solidarity Fund aid scheme set up to support companies particularly affected by the Covid-19 crisis, more flexible.

1.1 Extension of the beneficiaries of the Solidarity Fund paid out in May

This aid for the month of May can now concern :

  • companies with a workforce of less than or equal to 20 employees and with a turnover of less than €2 million, whose main activity is in sectors particularly affected by the crisis (these are listed in Annex I of the decree of 20 June 2020, they include, among others, hotels, restaurants, tourism, sports and culture);
  • companies with a workforce of less than or equal to 20 employees and with a turnover of less than €2 million, belonging to the sectors dependent on those particularly affected by the crisis (defined in Annex II of this new decree) and which suffered a loss of turnover of at least 80% between 15 March and 15 May 2020, compared to the same period in 2019. Another way to calculate is to define its average monthly turnover for 2019 and to reduce it to two months. For companies created after 15 March 2019, it is possible to compare the turnover achieved between the date of creation of the company and 15 March 2020, also over two months;
  • companies created between 1 March and 10 March 2020.

Clearly, these relaxations do not cancel out the other eligibility conditions laid down in Article 3-3 of Decree 2020-371 of 30 March 2020, which must also be met in order to obtain the aid.

1.2. Cessation of the deduction of the amount of aid from the daily allowances

Previously, it was de rigueur that for natural persons who had received one or more retirement pensions or daily allowances from Social Security, as well as for legal entities whose majority manager had received such pensions or allowances, the amount of aid had to be reduced by the amount of the pensions and daily allowances received.
Concerning the amount of pensions and daily allowances received or to be received for the month of May 2020, it is no longer specified that this deduction should be applied. However, the total amount between the aid and these pensions and allowances must not exceed €1 500.


1.3. New ceiling for Component 2 aid paid for the month of May

The firms defined above, which are therefore eligible for Solidarity Fund assistance for the month of May, will now receive aid under Component 2 amounting to:

  • €2 000 for companies for which the balance between, on the one hand, their available assets and, on the other hand, their debts due within 30 days and the amount of their fixed charges due for the month of May 2020 is less, in absolute value, than €2 000;
  • in other cases, to the amount of the absolute value of this balance within the limit of €10,000.

The good news for these companies is that they will no longer be asked to justify the reasons for refusing a bank loan.

1.4. Extension of the deadlines for submitting aid applications

This new decree allowed the extension of the deadlines for submitting applications for assistance. The new dates are:

  • July 31, 2020 for Component 1 applications for the months of March, April and May 2020;
  • August 15, 2020 for Component 2 applications for the months of March, April and May 2020.

Click here to consult Decree 2020-757 of 20 June 2020.


2/ Financial aid from CARPIMKO

The Ministry of Health has validated a lump-sum aid scheme from the Carpimko pension fund for the liberal professions, to which every practising and affiliated professional can now be entitled. The amount of this aid varies according to the profession practised and is exempt from charges.

For health professionals, the amounts are:

  • €500 for a nurse;
  • €1 000 for a physiotherapist, speech therapist or orthoptist;
  • €1 000 for replacements from all professions;
  • €1 500 for a pedicure-podiatrist and replacements for this profession.

In order to obtain this assistance, the application must be made by health professionals on their personal space on the CARPIMKO website.

All our teams remain at your disposal for any further information concerning these aid devices. Do not hesitate to contact your usual collaborator!

Yours sincerely,

The French Business Advice team

************************************************************************

Friday, June 12th: Learning Recovery Plan

Dear Customers,

Do you usually hire young people on work-study contracts? If it is not yet the case, it will certainly become one!

In addition to being an excellent way to recruit motivated young people, by training them in the image of your company (and at a reduced cost, it must be said!), the government has decided to pay companies a bonus of €5,000 to €8,000 for their hiring.
Indeed, the Minister of Labour, Mrs Muriel Pénicaud, unveiled on 4 June a plan to revive apprenticeship, including an exceptional bonus for the hiring of apprentices in companies; a decision which is part of the Coronavirus crisis.


How does it work?

> For what type of apprentices is the bonus paid?
This bonus is intended for all new recruits of apprentices registered in courses ranging from the CAP to the professional licence.

> What is the amount of this bonus?

  • €5,000 for a minor (under 18 years of age)
  • €8 000 for a major (between 18 and 30 years old)

> When will the premium be paid?
The bonus will be paid for all recruitment taking place between 1 July 2020 and 28 February 2021.

> What are the conditions of attribution?

  • For companies with fewer than 250 employees => no conditions
  • For companies with more than 250 employees => reach a quota of 5% of work-study students in their workforce by 2021.

> If you would like more information on how work-study programs work, you can consult the government's Portail de l'Alternance (Work-study portal).

At the same time, it would appear that a plan for youth employment is being drawn up and could potentially be announced on 15 July: its mission is to offer solutions to the 700,000 to 800,000 young people who will soon become new candidates on the job market. To be continued!

Feedback: French Business Advice & Augefi have always taken the gamble of recruiting young people on internships or work-study programs, and then integrating them into the firm on a long-term basis. The result? Great satisfaction on the part of the firm, and very competent and hard-working young people. We can therefore only recommend this type of recruitment!


Yours sincerely,

The French Business Advice team

************************************************************************

Thursday, June 04th: Additional grants from Occitania / Agglo Hérault Méditerranée / Agde

Dear Customers,

In addition to the grants already mentioned in our previous communications, we would like to present other aid schemes, specific to the Region, the Agglo Hérault Méditerranée or the town of Agde itself.



1/ Grants from the Occitania Region

> L'OCCAL Funds Component 1

Who is affected by this device?

  • VSE/SMEs in the tourism, craft and trade sectors;
  • Micro-enterprises with a turnover of at least €35,000.

Priority is given to businesses that have not benefited from cash grants and have suffered a loss of more than 40% in March, April and May 2020, compared to 2019.

What is the nature of this aid?
It is an advance repayable at interest rate 0, without guarantee, with repayment over 2 years with a 18-month grace period.

How much is it?
The advance amounts to 50% of the cash requirement, with a ceiling:

  • 10 000 € for less than 3 FTEs (full-time equivalent);
  • 25,000 € for more than 3 FTEs (full-time equivalent).


> L'OCCAL Funds Component 2

Who is affected by this device?

  • VSE/SMEs in the tourism, craft and trade sectors.

Priority is given to businesses that are covered by the closure order of 14 March 2020 or that have ceased their activity.

What is the nature of this aid?
This scheme aims to support the equipment necessary for businesses to adapt to health safety regulations.

How much is it?
This grant can reach a maximum amount of 70%, capped at :

  • 2,000 € for local shops and craftsmen;
  • 20,000 € for tourist structures.

>> How to benefit from the L'OCCAL Fund?

>> More information on the L'OCCAL Fund Components 1 and 2: the website www.laregion.fr/loccal or the full Description


> COVID Cash Crisis Company Contract

Who is affected by this device?

  • Healthy companies but in a crisis situation as a result of COVID or companies in a continuation plan, and not having obtained bank financing;
  • SMEs with more than 10 employees.

What is the nature of this aid?
It is an interest-free loan of up to €300,000, with repayment over 6 years with a 2-year grace period.

How much is it?
This scheme can be up to 50% of 6 months' WCR (Working Capital Requirement).


>> How to proceed?
To take advantage of this scheme, you need to create an account on the Hub Entreprendre Occitanie website. Then, you will have to choose a referent from among the members of the Réseau des Développeurs Economiques Occitanie, who will be the company's privileged contact to complete the application for financing together and send it to the Region.

>> More information: hubentreprendre.laregion.fr



2/ Grants from the Agglo Hérault Méditerranée

> L'OCCAL Regional Fund Abundance

Who is affected by this device?
The L'OCCAL Fund's measures for Components 1 and 2 concern the companies targeted by the Fund.

How much are we talking about?
The amount of this contribution is € 400,000, i.e. €5 per inhabitant.



> Exemption of CFE

Who is affected by this device?
This exemption targets all tourism businesses.

What is the nature of this aid?
This grant takes the form of an exemption from the CFE (Cotisation Foncière des Entreprises) due by the targeted companies in 2020.

How much is it?
This exemption amounts to 50% of the amount of the CFE.



> Postponement of the collection of the Residence Tax after the season, in order to facilitate the accommodation providers' cash flow.


3/ Specific aid for the city of Agde

> Exemption of 100% of the terrace rights between 15 March and 1 June, and 50% until the end of 2020 + exceptional authorisation for a limited extension

> 50% rebate on the Local Tax on Outdoor Advertising for fiscal year 2020

> 50% reduction in occupancy fees for beach concessions by 2020

> 50% exemption on the SICTOM's special fee for the year 2020

> Free parking until the end of the state of health emergency + 2 hours free parking at the Port Centre as soon as payment is received

All our teams remain at your disposal for any further information concerning these aid devices. Do not hesitate to contact your usual collaborator!

Yours sincerely,

The French Business Advice team

************************************************************************

Friday, May 29th: Aids from CIPAV and La Domitienne

Dear Customers,

This message concerns firstly the liberal professions dependent on the CIPAV, and secondly the companies attached to the Communauté de Communes La Domitienne.


1/ CIPAV's aid scheme

In order to support the liberal professions during this period of crisis, CIPAV has put in place a system including the payment of supplementary and basic pension contributions while preserving the constitution of pension rights.

This aid is intended for all CIPAV members, regardless of their status and income level; the only condition is that they must be up to date in the payment of their contributions.

This scheme takes the form of a payment of supplementary pension contributions up to a limit of €1,392 and the amount of contributions paid in 2019. As regards the basic pension contributions, the organisation will pay them up to a limit of €477.

So that the year 2020 does not affect future pension rights, the beneficiaries of this aid will receive 100% of the points and quarters.

For micro-entrepreneurs, CIPAV, CPSTI and Across have jointly established the terms and conditions of a specific aid.

Soon, CIPAV members will receive an email explaining the procedure to follow in order to request that their contributions due in 2020 be covered by income received in 2019. In the meantime, they are not obliged to pay their 2020 dues.

Find CIPAV's press release on this subject by
clicking here.

2/ Complementary aid from La Domitienne

The Communauté de Communes La Domitienne wished to bring a complementary aid to the one proposed by the Occitania Region, in order to help local companies to anticipate the economic recovery of its territory.

> Which companies are concerned by this aid?

  • Structures from 0 to 50 employees (independent VSEs, micro-entrepreneurs, self-employed, liberal professions);
  • All types of status (company or sole proprietor), tax and social security schemes, sectors of activity.

> What are the criteria to be eligible?

  • To have suffered a loss of turnover of more than 20% between April 2020 and April 2019;
  • To have a turnover in 2019 (or in the last financial year) of more than €35,000;
  • To be registered before February 1st, 2020;
  • Have not applied for or obtained a Cash Loan, assistance from the National Solidarity Fund (Volet 2) or the URSSAF Social Action Fund.

> What is the amount of the aid (cumulation of that of the Occitania Region and that of La Domitienne)?

  • For self-employed workers or companies with 0 employees => € 1,500
  • For companies with 1 to 10 employees => € 3,000
  • For companies with 11 to 50 employees => € 6,000

> How to ask for this help?

All our teams remain at your disposal for any further information. Do not hesitate to contact your usual collaborator!

Yours sincerely,

The French Business Advice team

************************************************************************

Friday, May 29th: Solidarity Fund of May / Occitania Solidarity Fund Component 2 Bis / Pays de l'Or grant

Dear Customers,

We would like to accompany you during this period of business recovery, which we know is very complicated for some of you. This is why we are providing you here with an update on the latest grants we have been informed of.


1/ Solidarity Fund May

Following the decree 2020-552 of 12 May 2020, the € 1,500 National Solidarity Fund bonus is renewed for the month of May.

The eligibility criteria for the
May bonus for companies are as follows:

  • have been forbidden to receive the public between May 1 and May 31, 2020, or have suffered a loss of turnover of at least 50% between May 2020 and May 2019, or at the company's choice in relation to the average monthly turnover for the year 2019;
  • have started its activity before March 1, 2020;
  • not be in compulsory liquidation on March 1, 2020;
  • have a workforce of less than or equal to 10 employees;
  • have a turnover of less than 1 million euros;
  • have a taxable profit (including, if applicable, sums paid to associate directors) not exceeding € 60,000;
  • for the operator or the majority manager, not to have a full-time employment contract on March 1, 2020 and not to have benefited in May 2020 from retirement pensions or social security daily allowances for a total amount exceeding € 1,500;
  • not be controlled by a commercial company.

How to apply for this May bonus:

  • to be applied for before 30 June 2020 ;
  • on the special area of the impots.gouv.fr website.

Please note: the amount of the bonus, capped at € 1,500, is equal to the amount of the decrease in turnover and after deduction of the daily social security benefits and retirement pensions received by the manager.

Note concerning associations: these are eligible for the € 1,500 bonus if they are subject to commercial taxes (CFE (property tax for companies) and CVAE, corporate tax, VAT) or if they employ at least one employee. The deadline for their premium applications for the March and April 2020 periods is 15 June 2020.


2/ Occitania Solidarity Fund Component 2 Bis

The Occitania Region has decided to strengthen its support for local economic recovery with its Occitania Solidarity Fund Component 2 Bis, for the months of April and May. It should be noted that this grant can be combined with the State's Part 1.

The Occitania Solidarity Fund Component 2 Bis is aimed at:

  • structures with less than 50 employees (independent VSEs, micro-entrepreneurs, self-employed, liberal professions);
  • all types of status (company or individual entrepreneur);
  • all tax and social security systems;
  • individuals holding a CAPE contract (Contrat d'Appui au Projet d'Entreprise) within an incubator or Cooperative of Activity and Employment;
  • to all sectors of activity.

The eligibility criteria are as follows:

  • to have registered its structure before February 1st, 2020;
  • have a 2019 turnover of more than €35,000 (or over the last financial year) except for holders of a CAPE contract;
  • have suffered a loss of turnover of more than 20% between April 2019 and April 2020 (for the April premium) and between May 2019 and May 2020 (for the May premium);
  • not to have applied for or benefited from the Loan Guaranteed by the State;
  • not to have benefited from the National Solidarity Fund, Component 2;
  • not having benefited from the URSSAF Social Action Fund.

Amount of this grant from the Region:

  • for companies with no employees => € 1,000
  • for companies with between 1 and 10 employees => € 2,000
  • for companies with between 11 and 50 employees => € 4,000

How to apply for this grant:

  • for the period 1 to 30 April (April premium) and 1 to 31 May (May premium), the deadline for submitting applications is 30 June 2020;
  • application to be made (by creating an account if necessary) on the mesaidesenligne.laregion.fr platform.

You can find more information on this scheme on its detailed sheet.

3/ Complementary grant from the Pays de l'Or Agglomeration

In order to support the cash flow of companies in the Communauté de l'Etang de l'Or, the Pays de l'Or Agglomération has put in place a complementary grant in addition to that of the Occitania Region, in the form of a lump-sum grant of 500 euros for self-employed workers and 1,000 euros for companies with up to 10 employees.

In practical terms, this grant will be automatically paid to firms which have benefited from the Occitania Solidarity Fund Component 2 Bis (for the month of April) or the Occitania Exceptional Solidarity Fund (for the month of March).

As usual, we encourage you to take the necessary steps to apply for aid yourself.
Nevertheless, if you would like us to carry out these requests, we ask you to contact the collaborator in charge of your file.

The mission letters specific to these requests for help can be found in the list of documents available at the top of this page.


Reminder of rates:

  • Fixed price of 100 euros HT for the 4 requests (PANELS 1, 2, 3 + URSSAF)
  • 100 euros HT for all additional requests (ex: Local Government Grant)

All our teams remain at your disposal for any further information.

Yours sincerely,

The French Business Advice team

************************************************************************

Friday, May 15th: A "COVID Prevention" grant to help VSE/SMEs

Dear Customers,

In order to contribute to the prevention of Covid-19, the Assurance Maladie - Risques Professionnels has set up the "COVID Prevention" subsidy to help companies with less than 50 employees and self-employed workers to fight against the transmission of the virus at work. This subsidy amounts to 50% of your investment in protective equipment, if it was purchased after March 14 or if its purchase is planned in the near future.


> Are you eligible?

This grant is intended for companies with 1 to 49 employees, as well as self-employed workers (without employees), who are dependent on the general scheme.
It should be noted that establishments covered by the territorial civil service or the hospital civil service are excluded from this scheme.

You can find details on the eligibility criteria in the general conditions for granting aid for:

> How much is it?

The amount of this subsidy corresponds to 50% of the investment excluding VAT in protective equipment against Covid-19, made by companies and self-employed workers without employees.

The granting of this subsidy is conditional to a minimum investment amount of:

  • 1000 € HT for a company with employees;
  • 500 € HT for a self-employed person without employees.

The ceiling for the amount of this subsidy is set at € 5,000 for both categories.

> What equipment and installations are financed?

It is specified that this "COVID Prevention" subsidy only concerns purchases or rentals made between 14 March and 31 July 2020.

The measures financed fall into two categories:

  • barrier and distancing measures such as equipment to isolate the workstation (installation of windows, Plexiglas, partitions, etc.), to guide and enforce distances (posts, barriers, additional premises, etc.) and to communicate visually on instructions (screens, boards, poster supports, posters, etc.);
  • hygiene and cleaning measures such as permanent or temporary facilities for hand and body washing.

Note: masks, hydro-alcoholic gels and visors are only financed if the company has also invested in at least one of the barrier and social distancing measures included in this scheme. Gloves and wipes are not part of the subsidized equipment.

A detailed list of the equipment and facilities financed can be found in the general conditions for granting aid for :

> How to benefit from this grant?

In order to apply for this grant, you will need:

  1. download and fill in (click as appropriate)
  2. send, preferably by email, the form with the requested supporting documents to your regional branch office (Carsat, Cramif or CGSS). If in doubt about which fund to contact and their contact details, we suggest you consult the list by region.

After receipt and verification of the supporting documents, your regional fund will pay you the subsidy in a single instalment.

Please note: your application must be sent to your regional fund before 31 December 2020.

All members of the French Business Advice team remain at your disposal!

Yours sincerely,

The French Business Advice team

************************************************************************

Thursday, May 14th: AGIRC-ARRCO assistance dedicated to employees / List of establishments remaining closed

Dear Customers,

We hope that these first days of easing of lockdown restrictions allow you to see the future in a clearer light. You will find in this message all the information concerning the exceptional aid coming from the AGIRC-ARRCO pension scheme for employees. Then we suggest that you consult the list of establishments usually open to the public that are still obliged to remain closed.


EXCEPTIONAL AID FROM AGIRC-ARRCO

In order to support its contributors, the social action of the supplementary pension scheme AGIRC-ARRCO has set up exceptional emergency assistance.
This concerns employees contributing to the Agirc-Arrco scheme and salaried managers in the private sector who are experiencing financial difficulties due to the health and economic crisis of the Covid-19.

This aid, allocated following the analysis and acceptance of the beneficiary's application file, will be paid only once. Its amount will vary according to the applicant's situation, but may be up to 1500 €.

AGIRC-ARRCO has earmarked an overall budget of €200 million for this scheme, which will initially be implemented until the end of July. It is possible that the scheme may be extended after an evaluation of its use.


How to apply for this aid?

Initially, the employee must contact his or her supplementary pension scheme. If he does not know his social protection group, he can go to this link to find out.

The employee or salaried manager must then:

  • fill out a simplified social intervention application form;
  • provide a sworn statement specifying their situation and describing the financial difficulties they have suffered;
  • provide the last 3 pay slips or incomes, at least one of which shows a reduction in remuneration.

Once the applicant's file has been analysed and accepted, this exceptional aid will be paid within a maximum period of one month.

LIST OF ESTABLISHMENTS REMAINING CLOSED

A decree published on 11 May, and available on this link, specifies the updated list of establishments receiving the public for which the obligation to remain closed is still in force.
You will find here a summary list of these establishments:

  • Type L establishments: Hearing rooms, conference rooms, meeting rooms, show rooms or multi-purpose rooms, except for courtrooms, auction rooms and for daytime reception of persons in precarious situations and social centres.
  • Type N establishments: Restaurants and public houses including hotels, except for their delivery and take-away activities, room service in hotels and contract catering.
  • Type P establishments: Dance halls and games rooms.
  • Type T establishments: Commercial establishments intended for exhibitions, fairs and shows of a temporary nature.
  • Type REF establishments: Mountain huts except for their parts serving as emergency shelters.
  • Type X establishments: Covered sports establishments.
  • Type Y establishments: Museums.
  • Type CTS establishments: Tents, tents and structures.
  • Type PA establishments: Outdoor establishments, except those in which physical and sporting activities are practised (except for team sports, combat sports and aquatic activities practised in swimming pools) insofar as this does not result in a grouping of more than 10 persons; however, these establishments (where physical and sporting activities are permitted) may accommodate more than 10 persons.
  • Type R establishments: Educational establishments (with some exceptions).

It should be noted that beyond this list, the Prefect may, under certain conditions, prohibit the opening of certain shops or shopping centres.

All members of the French Business Advice team remain at your disposal!

Yours sincerely,

The French Business Advice team

************************************************************************

Monday, May 11th: Reopening of Companies Guide and End of Containment Protocol

Dear Customers, 

On this day of end of containment, we offer you a "Reopening of companies and end of containment protocol" guide so that you can resume your activity in the best sanitary conditions and preserving the health and safety of all. 

The points covered are as follows:

  • Reminder of barrier gestures against the epidemic
  • Safety obligation to be borne by the employer with a focus on the single occupational risk assessment document (DUERP)
  • Supply of protective equipment
  • Adaptation of work rules
  • Reception of the public
  • Employee trips
  • Daily cleaning of the premises
  • Screening test and temperature taking
  • Management of symptomatic individuals
  • Specific measures by trade 

You can view and download this document by clicking here.

Our team remains at your disposal for any further information or requests for services.

Yours sincerely,

The French Business Advice team

************************************************************************

Monday, May 11th: « Rebound Full digital » loan and ADIE loans

Dear Customers,

As you know, the containment is now over. While this is very good news, this crisis will nevertheless leave its mark.

The reduction or even cessation of professional activity has been (or still is) a very difficult period to live through in human and financial terms. We are aware that the resumption of activity is a major challenge for the country, but also for each and every one of you.

This is why, in order to keep you as well informed as possible, you will find below two new support mechanisms for those who find themselves in financial difficulty at the time of recovery.


1/ REBOUND LOAN

The first support comes from the BPI: It is the Full Digital Rebound Loan or "Flash" Rebound Loan depending on the region.

This loan between 10 and 50 K€ can be requested by all VSEs and SMEs whatever their sector of activity.

This loan is repayable over 7 years after a 2-year deferral.
Its rate is 0% with no associated security or guarantee.
In addition, no application fee will be charged.

The BPI has chosen the chartered accountant as a recognised and legitimate trusted third party.

This is why, as soon as you, as the head of the company, expressly mandate us for this mission, we will be able to confirm certain information online and deposit the necessary supporting documents directly on the BPI France platform.

This process has so far only been set up in two regions (Auvergne Rhône-Alpes and Ile de France), but it is likely to be developed later in Occitania. In that case, we will not fail to update this initial information concerning this new measure.

You will find more details on the dedicated sheet.
(You will also find on this sheet the terms and conditions of a more traditional loan: the "Classic" Rebound Loan).


2/ ADIE'S REBOUND LOAN

The second support is a proposal by the organization ADIE (Association pour le Droit à l'Initiative Economique).

This support measure offers microcredits of up to 10,000 euros to those who are unable to obtain financing from banks.

You will find more details on the dedicated sheet.

French Business Advice will be able to accompany you, within the framework of a specific mission letter, in the steps related to these financings.

Do not hesitate to contact your accountant or your usual collaborator with any questions or requests for services.

Yours sincerely,

The French Business Advice team

************************************************************************

Wednersday, May 6th: Switch from daily payments to part-time activity

Dear Customers,

Since May 1, 2020, the regime of enforced stoppages relating to the COVID-19 crisis has been significantly modified. The main change is the switch of a large number of beneficiaries to the part-time activity regime. We remind you below of the persons concerned by this scheme as well as the cases of switching to part-time activity and the case of self-employed workers.


1/ Eligibility for enforced stoppages

In order to benefit from the enforced sick leave, the self-employed person must fulfil one of the following conditions :

  • Be forced to keep a child under 16 years of age or a disabled child at home;
  • Be vulnerable and likely to develop a serious form of infection;
  • Cohabit with a vulnerable person.

NB: if a self-employed person or a manager receives daily allowances of more than 800 euros, he or she will cause his or her company to lose any eligibility for the solidarity fund.

2/ Employees switching to part-time activity

From 1 May 2020, employees benefiting from enforced sick leave will be covered for part-time activity. The definition of employees eligible for this scheme is however qualified. Here are the definitions as set out in Article 20 of the Law of 25 April 2020:

  • the employee is a vulnerable person presenting a risk of developing a serious form of infection with the SARS-CoV-2 virus, according to criteria defined by regulation;
  • the employee shares the same residence as a vulnerable person within the meaning of the second paragraph of this law;
  • the employee is the parent of a child under the age of sixteen or of a person in a handicapped situation who is subject to a measure of isolation, eviction or home support.

For the time being, the criteria defined by regulation are yet to be published.

In order to be applicable, the employee must provide the employer with:

  • For vulnerable employees => a health insurance certificate or a certificate of isolation from the attending physician;
  • For employees cohabiting with a vulnerable person => an isolation certificate from the regular doctor;
  • For employees looking after children at home => a sworn statement or Affadavit.

In all cases, the company has a period of 30 days to complete the formalities for applying for partial unemployment. For employees already covered by a enforced work stoppage on May 1, 2020, the period is calculated from this date.

For parents, compensation will be paid while the child remains at home. For vulnerable persons, compensation will be paid until a date set by decree and no later than December 31, 2020.


3/ Case of self-employed workers

Self-employed workers who are not covered by Pôle Emploi cannot therefore switch to the part-time activity scheme. This is why the legislator has provided for the maintenance of the enforced stoppages for this category of workers.

The workers concerned are:

  • Self-employed workers;
  • Agricultural self-employed workers;
  • Artists/authors;
  • Professional training trainees;
  • Managers of companies under the general scheme. 

In order to benefit from this enforced stoppage, the self-employed person must, in addition to the conditions set out in paragraph 1, be unable to telework.

On 30 April 2020, all the enforced stoppages ceased to apply. Consequently, it is imperative for the self-employed person to repeat his or her request as from 1 May in order to continue to receive compensation.

It is also specified that, with the exception of persons with ALD and pregnant women, persons at risk of severe forms must obtain a sick note from their regular doctor. The same applies to cohabitants; the stoppage will be renewable as long as the health instructions are maintained.

NB: it is reminded that if a self-employed person or a manager receives daily allowances in excess of 800 euros, he or she makes his or her company lose any eligibility for the solidarity fund.


Our advice:

  1. Don't wait to solicit your employees to identify those affected by this change.
  2. Then proceed as soon as possible to apply for the part-time activity.
  3. Do not hesitate to contact our social service by e-mail if you would like them to offer you their assistance in establishing this process.
  4. Please also remember to send them information on the employees concerned in order to anticipate problems during the May 2020 payroll session.
  5. If you are self-employed, renew your claim as soon as possible on the https://declare.ameli.fr/ website to avoid any interruption in your compensation and gather the necessary medical evidence in case you are asked to provide it.

All members of the French Business Advice team remain at your disposal!

Yours sincerely,

The French Business Advice team

************************************************************************

Friday, May 1st: Dedicated assistance for liberal health professionals

Dear Customers,

In order to support liberal health professionals during the period we are going through, the Government has decided to set up an exceptional economic assistance.

Thus, as of today, a claim for compensation can be made by logging on to your amelipro account.

This aid will be calculated according to three criteria that must be filled in:

  • The amount of fees received in 2019 without overcharging, refundable by the Health Insurance;
  • The amount of fees resulting from their activity, without overcharging, invoiced or to be invoiced (received or to be received) between March 16 and April 30, 2020;
  • Other income (short-time working, daily allowances, solidarity fund) received or to be received from 16 March to 30 April 2020 in addition to the fees.

The amount of the overall aid can only be calculated a posteriori, but it is possible to request as of today the payment of a first instalment for the period from 16 March to 30 April 2020 (which may not exceed 80 % of the total compensation calculated by the simulator).

A new request can be made at the end of each month throughout this crisis.

The French Business Advice team remains at your disposal, and wishes you a happy Labour Day!

Sincerely yours,

The French Business Advice team

************************************************************************

Thursday, April 23th: Solidarity Fund from the Agglomération Béziers Méditerranée

Dear Customers,

In order to be able to provide solutions to our clients in every part of the Hérault region, we are continuing our focus on the aid measures put in place by the local authorities, in addition to those proposed by the State and the regions.


3 - AGGLOMERATION BEZIERS MEDITERRANEE (https://lagglo.fr/)

This support fund is intended for very small entities (VSEs) and independent businesses with their head office in one of the 17 communes of the Agglomération Béziers Méditerranée: Alignan, Bassan, Béziers, Boujan, Cers, Corneilhan, Coulobres, Espondeilhan, Lieuran, Lignan, Montblanc, Sauvian, Sérignan, Servian, Valras Plage, Valros and Villeneuve.
It will enable them to reconstitute their company's cash position so that it can be fully operational for the resumption of its activity.


> AMOUNT OF AID

The aid may take the form of a one-off grant of € 1000.
This one-off aid is in addition to the aid, exemptions, etc. already introduced by the State, the Region or the municipalities.


> ELIGIBILITY

In order to qualify for this aid, the company must:

  • Have a workforce of 10 employees or less;
  • Have a turnover for the last financial year less than € 500,000;
  • Have a taxable profit of less than € 60,000;
  • Not have been or be in declaration of cessation of payment before March 1st, 2020.

The company must also have undergone:

  • An administrative closure;
  • And/or justify the decrease in turnover (decrease of at least 50% over a period of one month between 15 March and 11 May 2020).

The Agglomération Béziers Méditerranée has set up an explanatory scheme so that companies can find out whether they are eligible or not at a glance: discover this scheme!

> APPLICATION

It is necessary to go to the form available on this link in order to apply for assistance: link to the application form.

We have prepared a special tutorial "Application for Agglo Béziers Méditerranée Aid" where you will find all the procedures to access this application, as well as all the details concerning the eligibility criteria.

As usual, we encourage you to complete this process yourself. However, if you would like us to carry out this request, we ask you to contact the employee in charge of your file. The mission letter specific to this request can be found in the list of documents available at the top of this page.


We look forward to hearing from you,

The French Business Advice’s team

************************************************************************

Wednesday, April 22th: Support facilities of Montpellier Méditerranée Métropole

Dear Customers,

As part of our common thread on the aid offered by local authorities, in addition to national, regional and various other types of aid, and following on from our previous e-mail about the aid provided by Sète Agglopôle Méditerranée, we suggest that you take a look below at the support measures provided to businesses by Montpellier Méditerranée Métropole.


2 - MONTPELLIER MEDITERRANEE METROPOLE (visit the dedicated website)

The overriding aim of the metropolis is to provide financial support to businesses. The measures put in place and explained here are intended to reduce the financial difficulties of companies whose cash flow and turnover have been heavily impacted.

2.1 - Monthly support fund to cover professional rents up to 500€ for the month of April

More than 10,000 companies are potentially eligible: self-employed, auto-entrepreneurs, traders, VSEs with between 0 and 10 employees.

> What are the eligibility criteria?

Geographic and size criteria:

  • The company's head office must be located in the Montpellier metropolitan area;
  • To be a tenant of commercial premises (excluding the owner), not to be a professional tenant in his personal home;
  • Concerning the date of creation, justify a minimum existence of 3 months;
  • Have between 0 and 10 employees.

To justify a decrease in its economic activity:

  • To be in a case of administrative closure caused by the state of emergency or to have a decrease of at least 50% of the turnover excluding tax compared to March 2019, based on an accounting certificate declaring the turnover of March 2020 and March 2019;
  • Not be in the context of a liquidation procedure.

Other economic criteria:

  • To have a turnover excluding tax between 0 and 500 K€, for companies that have not yet closed a financial year;
  • To have a taxable profit not exceeding €45,000 for the last closed financial year.

> When and how to apply for this support fund?

First of all, you should familiarise yourself with all the eligibility criteria and the documents to be provided (to be consulted here).

Then, you will have to complete your application via the
Form to benefit from the fund (Creation of an account or login with identifiers).

Applications must be submitted before 30 May 2020.

If you have any questions, you can contact the dedicated hotline at: 04 67 15 49 39, 04 67 15 49 40, 04 67 15 49 41 and 04 67 15 49 42.


2.2 - Exemptions for the local economy for one quarter, renewable
 

  • Municipal jurisdiction charges over a quarter:
    • Terraces and displays;
    • Halls (for the stalls that could not open);
    • Outdoor markets, theme markets;
    • Commercial concessions from the City;
    • TLPE (local tax on outdoor advertising), this provision will be submitted to the next City Council. 
  • The fee for the occupation of the public domain by the building sites, during the period of confinement.

>>> 2,000 beneficiaries: traders, craftsmen, producers, etc.

2.3 - Rental exemptions for companies housed in the community assets for one quarter, renewable

This scheme concerns companies housed in the community heritage (SERM, SA3M, ACM, MIN, City, 3M)*; for the MIN applications will be considered on a case-by-case basis.

>>> 200 beneficiaries: VSEs, SMEs, startups, traders who have been unable to carry out their activity.

* Excluding branches of national and international brands, the companies concerned must be up to date with their payments and their tax and social security contributions.


2.4 - Postponement of payment of the tourist tax to relieve hoteliers' cash flow

This measure relates to the first half of 2020.

For more information on all of these measures, do not hesitate to consult the metropole's website by clicking here.

The French Business Advice’s team remains at your disposal.

We look forward to hearing from you,

The French Business Advice’s team

************************************************************************

Tuesday, April 21th: CPSTI RCI Aid, the good news for Self-employed tradespeople and retailers!

Dear Customers,

We are pleased to inform you of good news for self-employed tradespeople and retailers: the automatic help of the CPSTI RCI COVID-19!

Self-employed tradespeople and retailers and their collaborating spouses under the Régime Complémentaire des Indépendants (RCI), will receive a "CPSTI RCI COVID-19 " aid at the end of April.

There is no need to take any steps, this aid will automatically be paid to all self-employed tradespeople and retailers and their collaborating spouses:

  • under the Régime Complémentaire des Indépendants (RCI);
  • in operation as of March 15, 2020;
  • registered before 1 January 2019.

This will be cumulative with the Solidarity Fund set up by the government.

The amount of the aid will be:

  • capped at the amount of the RCI contributions and social security contributions paid for the 2018 financial year;
  • capped at €1250 net of taxes and social security charges.

Source: https://bit.ly/2wM4SmO

Yours sincerely,

 The French Business Advice team

************************************************************************

Monday, April 20th: Assistance from the Emergency Fund of Sète Agglopôle Méditerranée (Updated on 30/04/2020)

Dear Customers,

In addition to national, regional and various other forms of aid, more and more local and regional authorities are mobilising to propose measures in the context of businesses, particularly, SMEs (small-medium size companies) and sole traders.

Over the next few weeks, we will be focusing on the possibilities open to you to take advantage of this aid and we will keep you regularly informed of what can be proposed.


1 - SETE AGGLOPOLE MEDITERRANEE (http://www.agglopole.fr/)

The Sète Agglopôle Méditerranée organisation, which brings together 14 municipalities, including SETE, BALARUC, MARSEILLAN, FRONTIGNAN (see the exhaustive list on the site), is one of the first local authorities to propose a Covid-19 emergency fund.

This €20 million fund will be used, as stated in their communication, to "protect the most vulnerable and to prepare for economic recovery and must provide immediate cash flow for traders and small businesses forced to close, but must also include long-term support".

A second contribution of 10 million euros from Sète Agglopôle Méditerranée will be made in a second phase.

This solidarity plan will be presented in more detail at the next Community Council meeting
on 23rd April. However, at this stage you can already send in your application if you are potentially eligible.

> ELIGIBILITY

For this, you must have stopped your activity due to an administrative closure imposed by the decrees of 14th and 23rd March (see here the list of closed establishments).

Please note: the procedures for obtaining and eligibility are still not precise and have yet to be determined. We will not fail to keep you informed.

> APPLICATION

If you are likely to be eligible, and in order to anticipate this request, you must write by email only to urgence-covid@agglopole.fr specifying your contact details:

  • Name and first name of the manager - Phone/e-mail
  • Name of the company

Here below are the supporting documents to be attached to the email:

  • Identity document of the head of the company
  • Kbis less than 3 months old or any proof of company registration
  • Last 3 company balance sheets
  • 3 latest company statements
  • Certificate of fiscal and social regularity for March 2020
  • Company's bank account details
  • Acknowledgement of receipt of Solidarity Fund application
  • Notification of a Partial Unemployment Claim

Please note: the deadline for submitting applications is set for Friday 15 May 2020 for applications for the month of March 2020; a second period for submitting applications will in principle be open from May 2020 for applications for the month of April 2020.

You will find more information on the Sète Agglopôle Méditerranée website: Sète Agglo Med Emergency Fund.

We encourage you to do this yourself. However, if you would like us to carry out this request, we ask you to contact the staff member in charge of your file.

This mission will be the subject of a specific mission letter upon request. This mission letter can be found in the list of documents available at the top of this website page. You can also download it by clicking here.


Reminder of prices:

  • Fixed price of 100 euros without VAT for the 4 requests (Components 1, 2, 3 + URSSAF)
  • 100 euros without VAT for all additional requests (ex: Local Government Aid)

It is very likely that other local authorities will mobilize in their turn, which is why we will propose a red thread on the aid offered by them in the coming weeks. You will be able to find this red thread, thanks to our newsletters but also permanently on our page dedicated to Coronavirus on our website.

The French Business Advice team is fully mobilized during this crisis. We wish you once again good luck for the coming weeks. We remain at your disposal for any further information.

Sincerely yours,

The French Business Advice team

************************************************************************

Thursday, April 16th: Exceptional aid from Occitania

Dear Customers,

As you know, for several weeks now, we have been in an unprecedented health crisis. It is an exceptional situation, and we have put in place a whole organisation to adapt our working methods but also our communication.

Indeed, we continue to carry out our daily tasks while offering you summarized and centralized information (on this page!), but also by offering you support with the different steps relating to the safeguard of your company and your cash flow.

As we have already mentioned, we do not particularly seek to sell support missions in this context, we prefer that you carry out your own procedures. This is why we provide you with various tutorials that we have prepared and that can help you step by step in the steps to be taken.

Of course, in case you do not wish to carry out these steps yourself, Augefi/French Business Advice's teams are able to do it for you. Nevertheless, you will understand that this requires an additional investment on their side and this is why it is the subject of a specific engagement letter (as we have already discussed previously, and which can be downloaded by clicking here).


> The TUTO

Consult our new tutorial: Application for Assistance from the Exceptional Solidarity Fund Occitania.
This tutorial is intended for smaller businesses affected by the crisis. It is about financial aid from the exceptional solidarity fund. This assistance cannot be combined with the Solidarity Fund components 1 and 2.

This is why, if you are not eligible for the two previous components and you meet the following criteria, this tutorial is for you!


> The criteria 

  • Decrease of turnover of between 40 and 50% in March 2020 compared to March 2019;
  • Turnover of less than 1 M€ (last closed financial year);
  • Taxable profit under €60,000 (to be increased by the sums paid to the manager).

If you meet these criteria, you are potentially eligible for assistance below.

> Nature of the aid 

  • Companies with 1 to 10 employees: flat-rate of €1,500
  • Self-employed persons or companies with 0 employees: flat-rate grant of €1,000

NB: you will be asked to provide a KBIS less than 3 months old. For that, we suggest you to follow our tutorial "How to get my Kbis for free" with the MONIDNUM site, which will allow you to get it free online for all the structures of which you are the manager.

The French Business Advice team is fully mobilized during this crisis. We wish you once again strength and fortitude for the coming weeks. We remain at your disposal for any clarification or additional information.

We look forward to hearing from you,


Best Regards,

The French Business Advice team

************************************************************************

Friday, April 10th: Summary of possible aids

Dear Customers,

In order to let you to see more clearly among the aids currently put in place for all forms of companies, we have produced the summary scheme below.

It has been presented in a simplified manner: if it appears that you are eligible for one or other of these aids, it will nevertheless be necessary for you to check it by referring to the various texts in order to check the conditions, to be sure of your eligibility.

CURRENT AIDS FOR ALL FORMS OF COMPANIES

You can consult our summaries concerning :

  • the SOLIDARITY FUND on the updated post below from Thursday April, 2nd
     
  • the AID 2

In order to limit business bankruptcies, the decree establishing the Solidarity Fund (to be consulted here) has created a complementary fund to be paid by the regions. This aid, which can be cumulated with the 1500 euros, is however subject to much more restrictive conditions. We remind you that this document is drafted on the basis of the elements that have come into force to date. The decrees and circulars to be published may significantly modify the conditions of application. We will regularly update the document as regulatory changes occur.

> Companies concerned by the system

Firms eligible for the regional aid must first have received the national aid of EUR 1 500. We therefore refer you to the previously published note (the updated post below from Thursday April, 2nd).

In addition, to be eligible for the regional one, the company must meet the following conditions:

  • Employ at least 1 employee;
  • Have been refused a loan of a reasonable amount by its banking partner;
  • Be unable to pay its debts within 30 days.

> Amount of the help

The amount of the aid shall be fixed at a flat rate of EUR 2 000.

> Detailed rules for applying for the aid

The request for assistance will be made on a dedicated website currently being created by the Occitania region. As a result, we are not in a position to inform you of the terms and conditions of application at this time.

According to the information provided to us, the site should be able to receive the first applications on April 10, 2020, and close on May 31, 2020.

We will get back to you via a subsequent communication as soon as we have more information on this subject to guide you in applying for this assistance.

It should be noted that if you have mandated us to apply for the aid for which you are eligible in March, we would be grateful if you could keep any refusal from your bank as well as your cash flow budget for 30 days and send us these 2 elements when we are able to make the applications.

> Duration of the aid

The aid should be allocated for the month of March 2020.

We have no further information at this stage as to whether it will be renewed for the duration of the crisis.

> Person who will benefit from the aid

The beneficiary of the aid is the company. Consequently, in the case of a sole proprietorship, it is the person who is the beneficiary. In the case of a company, on the other hand, it is the company that will benefit from the aid.

A number of points need to be made regarding the beneficiary:

  • For companies in the broad sense => there is only one aid per company, regardless of the number of corporate officers (manager, chairman, CEO) or partners;
  • For companies subject to corporation tax => the withdrawal of the sum by an agent is considered to be a traditional remuneration and is subject to the usual system for social contributions and income tax liability;
  • The company must be the main activity of the entrepreneur or the majority managers, consequently the company cannot benefit from it if they also have a full-time employment contract or a retirement pension.

> Tax and social regime of the aid

As it is fixed by the same decree, this aid should follow the same regime as the 1500 euros, i.e.:

  • For firms subject to income tax, the aid will be exempt from taxes and contributions;
  • For firms subject to corporation tax, the aid will be exempt from corporation tax. (Note: there is therefore no exemption for the withdrawal of the sum by company managers).

However, since there has been no official confirmation, this point is to be taken on a conditional basis.

> Our advice

In order to anticipate, we encourage you to have a view on your cash position at 30 days. Following this, it is imperative that you get in touch with your bank contact as soon as possible in order to apply for a cash loan. This loan should enable you to get through the difficult period we are going through. We remind you that a formal refusal of loan will be required in order to apply for this second component of assistance.
 

  • the AID 3 

In order to help companies hit by the Covid-19 crisis not covered by government schemes, the Occitania region is putting in place additional assistance. As this is local aid, we do not have a national legal basis for it. This note is therefore drafted on the basis of recent communications from the region. Moreover, as national regulations evolve, it is likely that the contours of this aid will change before it is implemented. We will regularly update the document as regulatory developments and communications from the region evolve.

> Companies concerned by the scheme

The companies eligible for aid from the Occitania region are in terms of size the same as those eligible for government aid, i.e.:

  • A turnover of less than EUR 1 million;
  • A taxable profit of less than 60,000 euros;
  • A workforce of less than or equal to 10 employees.

For details on these criteria, please refer to our previously published note (the updated post below from Thursday April, 2nd).

> Companies eligible for aid

To be eligible for aid, the company must also meet the following conditions:

  • Have suffered a drop in turnover of between 40% and 70% in March 2020 compared to March 2019;
  • Not to have benefited from national aid.

Further information:

  • The government has announced the lowering of the turnover threshold to 50%, consequently the region has modified its communication by indicating that the aid will be allocated if the loss of turnover is between 40% and 50%. We will update this point once the decree is published.
  • The region has communicated that the aid is only for firms which have not been able to benefit from the aid because of the change in turnover. However, in its documentation this criterion has so far not been clearly identified.
  • The rules for determining the turnover should be the same as for national help.

> Amount of aid

The amount of aid is fixed at a flat rate of EUR 1 000 for a company without employees and EUR 1 500 for a company with between one and 10 employees.

Contrary to the national aid, the region has not communicated on a possible maximum help ceiling for the actual loss of turnover.

> How to apply for the aid

The request for assistance will be made on a dedicated website currently being created by the Occitania region. As a result, we are not in a position to inform you of the terms and conditions of application at this time.

According to the information provided to us, the site should be able to receive the first applications on April 10, 2020, and close on May 31, 2020.

We will get back to you via a subsequent communication as soon as we have more information on this subject to guide you in applying for this assistance.

In any case, you will be asked to provide:

  • Certificate of honour stating that you meet the conditions listed above;
  • Certificate of fiscal and social regularity on 1 March 2020;
  • An estimate of the loss of your turnover;
  • A bank detail (RIB);
  • A K-bis of less than 3 months old (certificate of incorporation of your company).

> Duration of the help

The help should be allocated by March 2020.

We have no further information at this stage as to whether it will be renewed for the duration of the crisis.

> Person receiving the aid

The beneficiary of the aid is the company. Consequently, in the case of a sole proprietorship, it is the person who is the beneficiary. In the case of a company, on the other hand, it is the company that will benefit from the aid.

A number of points need to be made regarding the beneficiary:

  • For companies in the broad sense => there is only one help per company, regardless of the number of corporate officers (manager, chairman, CEO) or partners;
  • For companies subject to corporate income tax => the withdrawal of the sum by an agent is considered to be a traditional remuneration and is subject to the usual system for the latter's social security contributions and income tax liability;
  • The company must be the main activity of the entrepreneur or the majority managers, consequently the company cannot benefit from it if they also have a full-time employment contract or a retirement pension.

> Tax and social security arrangements for the help

Since this aid has the character of a subsidy, it should be taxed and subject to social security contributions under the usual conditions.

> Our advice

In order to anticipate, you can start to approach your company tax department and your social security funds to obtain the certificates of regularity. Likewise, we invite you to register on the https://www.monidenum.fr/ website in order to obtain a recent K-bis. As with national aid, we encourage you to gather all the evidence of the changes in your turnover.

Best Regards,

The French Business Advice team

************************************************************************

Thursday, April 9th: Dematerialization, an unavoidable evolution

Dear Customers,

The March VAT declaration, which will run from 16 to 24 April, is a legal obligation that is fast approaching. We would like to make our tools and know-how available to you so that you can meet this obligation thanks to dematerialization! This could indeed be the ideal opportunity to familiarize yourself with this method and to develop new good habits.

Some of you already know it: dematerialization is a method that makes it easier to transmit documents and information and is extremely practical, easy and fast. In fact, it has become essential and necessary in the current situation, and will certainly remain so once we have gone through this period of crisis.

Dematerialisation has many advantages:

  • Data accessibility
  • Timeliness of data processing
  • Productivity improvement and coordination of activities
  • Space saving with digital storage
  • Digital archiving with legal value

Augefi/French Business Advice has gone digital and this has borne fruit. Why wouldn't you consider doing the same, and thus take advantage of this period of confinement conducive to reflection, to develop a digital strategy for your business?

The tools at your disposal

We have put in place several tools to allow you to send us your documents without having to travel, and to be able to offer you a more fluid communication with our team. 

Our website is about to be revamped and will be launched very soon! In addition to more useful information about the life of Augefi/French Business Advice and its services, you will find direct access to your collaborative space. It is from this space that you will have access to the modules below. 

  • Cash Manager

Module accessible from the collaborative space
This software allows you to digitally transmit all the documents we need to carry out the missions you have entrusted to us (invoices, receipts, etc.). For customers who enter their own accounting records, this tool also offers the possibility of pre-entering the scanned documents.
 

  • Box

Module accessible from the collaborative space
Thanks to this module, you have a storage space to facilitate the transmission of documents (pay slips, tax bundles, etc.) between yourself and the firm's team by sharing them simply and in real time.
 

  • Collector

Service accessible from the Box
This software saves you a considerable amount of time by collecting all your digital bills from numerous companies (e.g. Orange, EDF, etc.).
 

  • Devis Fact

Module accessible from the collaborative space
The firm has chosen to make this software available to you free of charge so that you can create standard invoices, quotes, delivery notes, but also follow up your payments, etc.
 

  • The Augefi mobile application

Download on App Store and Google Play
Thanks to this application created exclusively for the firm's clients, you will be able to access your collaborative space, contact your privileged contacts directly, receive our notifications in real time and follow the firm's news and that related to the accounting profession.

Many other modules are available (commercial management software, dashboards, etc.), please contact us to find out more.

Rida Channa, our IT Manager, is at your disposal to assist you in the use of these tools. You can contact him at rida.channa@augefi.fr in order to set up an appointment together.



At Augefi/French Business Advice, the digital transition is underway! What about you?

It is thanks to the joint actions of the IT and Communication & Marketing departments of our firm, as well as all our employees, that we have been able to carry out this digital transition in the best possible conditions. And if it was possible for us, it can be possible for you too!

We can offer you a wide range of services designed to integrate your company into the digital world:

  • Installation of hardware
  • Audit and advice on the computer park
  • Domain name registration and email management
  • Creation of visual identity, logo, posters, brochures, flyers
  • Website and mobile application creation
  • Social network management

Do not hesitate to contact us to find out what we can do for you!
> IT Department: Rida Channa - rida.channa@augefi.fr
> Communication & Marketing department: Marion Abadie - marion.abadie@augefi.fr

Our teams remain at your disposal.

Best Regards,

The Augefi/French Business Advice team

************************************************************************

Wednesday, April 8th: The use of insurance

Dear Customers,

As you have known for a few weeks now, we assist you on a daily basis in the management of your business: search for financing, state-guaranteed loans, short-time working, state, regional and agency aid. All these measures provided by our public authorities are proving to be valuable solutions in this context of unprecedented health crisis.

Our teams are following developments in this area on a daily basis, so do not hesitate to come back to us for any questions or support needs. We will propose tools and/or solutions adapted to your needs.


Our advice?

We recommend that you contact your insurers in order to study the possibility of claiming compensation in the event of a business interruption.

We are aware of this situation and that is why through this communication we would like to remind you that for most of you, you have contracted with one or more insurers in the context of your professional activity.

It is possible that within the framework of these contracts,
compensation may be provided for in the event of business interruption due to a pandemic or a cause outside your activity.

This is why we strongly encourage you to take a few minutes to reread all the terms and conditions of your contracts, or even to contact your insurer directly to discuss the matter.

To date, the Fédération Française des Assurances (French Insurance Federation) communicates on the fact that many contracts do not provide for this type of claim. Nevertheless, this is an opportunity that should not be overlooked.

We strongly advise you to take this step and we remain at your disposal to assist you in putting together your insurance file if it turns out that you can benefit from compensation.

We wish you once again good luck in this ordeal, and we are happy to continue to inform and accompany you on a daily basis thanks to the entire Augefi/French Business Advice team mobilized.

Best Regards,

The French Business Advice team

************************************************************************

Monday, April 6th: Macron Bonus Briefing Note

Dear Customers,

You will find here a briefing note on the Macron Bonus as well as a model of the Unilateral Employer Decision:

Coronavirus: the Macron Bonus can be doubled, up to 2,000 euros

The tax-free bonus of € 1,000 can be paid by any company until August 31rst. It is increased to € 2,000 if a profit-sharing agreement is implemented. The amount paid can benefit the employees most exposed to Covid-19. It is tax-free and exempt from social security contributions for both the employee and the employer.

Another novelty of the order of April 1rst, 2020: the amount of the bonus can be modulated according to the beneficiaries based on "working conditions related to the Covid-19 epidemic".

Companies are therefore authorised to pay a higher bonus to their employees who have to go to their workplace during the health crisis. According to Bruno Le Maire, it is up to each company manager to define the terms and conditions for the allocation of the bonus (to whom he or she wishes to allocate the bonus) and its amount, depending on his or her situation.
This modulation criterion must be included in the collective agreement or unilateral decision of the employer implementing this bonus.

For example :

  • The cashiers in shops that remain open in relation to employees in warehouses;
  • Employees working in the company in relation to employees teleworking.

We propose you to find here a model of Unilateral Decision of the head of company to consult and/or download.

Please note: employees whose salary exceeds 4.5 times the minimum wage are excluded from the exemption of the bonus.


If you wish, we can assist you in the implementation of the drafting of a company agreement and obtain personalised advice, contact us!

We look forward to hearing from you.

Best Regards,

The French Business Advice team

************************************************************************

Thursday, April 2nd: Emergency measures with regard to paid leave and RTT

Ordinance No. 2020-323 of 25 March 2020, published in the Official Journal of 26 March, allows employers to temporarily derogate from the rules governing the taking of paid leave in order to better adapt the working hours of their employees to the needs of the company in this particular context.
However, a company-wide agreement, or in the absence of a branch agreement, must authorise this.

The employer can impose the taking of the remainder or the taking of "new leave" within the limit of 6 working days if a company agreement is concluded, or in the absence of a branch agreement. This imposed leave period extends until December 31rst, 2020.

Concretely, if you wish to use this measure to dispose of your employees to the best of their abilities at the end of the confinement, you must draw up a company agreement to materialise the agreement of all your employees on this subject.

Augefi would like you to be able to implement this measure if you think it corresponds to your situation. You will find a model company agreement here. It should be formatted according to the characteristics of your company.

Concretely, the collective agreement can authorize the employer to impose on his employees to take 6 days of working holidays:

  • by making them take their remaining paid holidays;
  • by requiring them to take their "new" leave in advance (acquired during the period between 1 June 2019 and 31 May 2020).

Example: for an employee who would have no more leave to date, the employer could require him to take 6 working days in April by drawing on his "new stock" of leave when normally he would only have been able to take it from May 1st.

You can also change the dates of leave already set.

By company agreement, or failing that a branch agreement, you can also move the holidays already taken, within the limit of 6 working days without having to respect the one month's notice period. However, this new period may not be less than one clear day.

Example: if an employee has already set a week of leave for the end of May, the employer can move it to the beginning of April.

This modified leave period extends until December 31rst, 2020.


OTHER MEASURES

Day package, RTT: the employer can impose his choices without negotiating a company agreement or without referring to the branch agreement of your collective agreement.
There is no mandatory collective agreement to unilaterally modify or impose the dates of RTT days and conventional rest days provided for in an agreement organising working time over a period of more than one week (Articles L. 3121-41 and following of the Labour Code).
The modification and imposition of days off by the employer is also provided for in the context of agreements for fixed days or hours without the employee's agreement.
The employer must inform the employees within a period of at least one clear day.
Ord. n°2020- 323, 25 March 2020 : JO, March 26th


REMINDER OF THE RULES FOR NEGOTIATING A COMPANY AGREEMENT

> For companies with fewer than 11 employees

The employer who wishes to set up a collective agreement in the company may propose a referendum to the employees which must decide on the text of the agreement proposed by the employer.

Employee consultation is organised after a minimum period of 15 days from the date of communication of the draft agreement to each employee.
The conditions under which the employer obtains the approval of the employees are as follows:

  • the consultation of employees must be carried out by any means and take place during working time;
  • the employer must guarantee the personal and secret nature of the consultation;
  • the result of the consultation shall be brought to the knowledge of the employer at the end of the consultation which is to take place in his absence ;
  • the result of the consultation must be the subject of a report, which must be made public in the undertaking by any means.

To be considered as a valid agreement, this draft agreement must be ratified by a 2/3 majority of the staff.

> For companies with between 11 and 20 employees

Here again, the employer has the possibility to resort to a referendum.
Same modalities as for companies with less than 11 employees.

> For companies between 11 employees and less than 50 employees without a trade union delegate

Company or establishment agreements can be negotiated and concluded :

  • either by one or more employees expressly mandated by one or more representative trade union organisations in the branch (or, failing that, by one or more representative trade union organisations at national and cross-industry level), regardless of whether they are members of the CSE staff delegation ;
  • or by one or more full members of the CSE staff delegation.

In order to be considered valid, a distinction must be made according to whether the agreement is concluded with elected members of the ESC or with one or more mandated employees who are not members of the ESC staff delegation :

  • if the agreement is concluded with one or more members of the ESC, regardless of whether they are mandated or not, the signatories of the agreement must represent the majority of the votes cast in the last professional elections;
  • if the agreement is concluded by one or more employees who are mandated but who are not members of the staff delegation of the ESC, the validity of the agreement is subject to approval by the employees by a majority of the votes cast.

For other companies, we suggest that you consult us.

If you wish, we can accompany you in the implementation of the drafting of a company agreement and get a personalized advice, so contact us!

We look forward to hearing from you.

Best Regards,

The French Business Advice team

************************************************************************

Thursday, April 2nd: Templates for Requesting Deferral of Rent Payments

Dear Customers,

Always with the objective of accompanying you in this difficult period, we have established letters that you can send to your LESSOR in order to inform him of your intention to benefit from the regulations allowing you to defer the payment of your rent, and this without the latter being able to request the application of penalties or interest for late payment.

Indeed, it is important to remember that we all suffer the consequences of this epidemic, and in terms of commercial rents, both tenants and owners are concerned!
The rent, which is a burden that is difficult to bear for the tenant, is also an income that may be necessary for the owner!

Without this being imposed on you by the ordinance, this letter allows you to inform your landlord of your intentions, and to explain to him your situation in the face of this state of emergency, which is causing you to no longer fulfil your obligation to pay rent.

In addition to the "standard" letters provided to you, we would like to draw your attention to the fact that each company is in a particular situation, which is specific to it: depending on its activity, its location, the quality of its business partners, etc., it may be necessary to inform your landlord of your intentions and to explain your situation to him/her. Given the increased risk of litigation, we therefore strongly advise you to personalise the mail, and to justify and arrange proof of your difficulties before requesting the postponement or suspension of your rent.

Consult our letter templates:

Augefi/French Business Advice's Legal Department remains at your disposal for any questions or requests for services relating to its area of expertise at juridique@augefi.fr.

We look forward to hearing from you.

Best Regards,

The French Business Advice team

 

************************************************************************

Thursday, April 2nd: The State Solidarity Fund (Updated on 10/04/2020)

Dear Customers,

The outline of the small business aid fund is tending to become clearer with its implementing decree published on March 31rst,  2020 (
see the decree). As a reminder, this fund will take the form of the payment of 1,500 euros in aid to certain companies. Even if the decree specifies a significant number of points, several circulars and decrees are still to come, which may still lead the elements described below to evolve. Consequently, you will find in this document some elements to be taken in the conditional. Similarly, you may have read or heard certain developments or amendments to this mechanism, for the time being we have chosen to retain the elements that have come into force to date. We will regularly update the document as regulatory developments occur. The present text is based on the one we already sent you last week. Contrary to what is announced or read, this aid has very specific conditions to be met in order to avoid having to return the aid after the crisis has been checked by the administration. 

> Companies concerned by the system
 
Aid from the fund is aimed at small enterprises with the following characteristics:

  • A turnover of less than EUR 1 million;
  • A taxable profit of less than EUR 60 000;
  • A workforce of up to 10 employees.

A few details:

  • The scheme is aimed at all small businesses regardless of their status (sole proprietorship, SARL, SAS, auto-entrepreneur, etc.) ;
  • The profit to be taken into account is the taxable profit for the last closed financial year. In the case of companies, this profit is to be added to the remuneration paid to the directors. The latter must be increased by social security contributions and charges if they have been deducted from taxable profit.
  • If the company has not yet closed its accounts, it must estimate the profit described above as at 29 February 2020 and then extrapolate it over a period of 12 months. In addition, the average monthly turnover must not exceed 83,333 euros;
  • For the headcount threshold, the headcount defined in Article L130-1 of the Social Security Code must be used, i.e. "the average number of persons employed during each month of the previous calendar year, without taking into account the months during which no employee is employed".

 Additional conditions :

  • The company must not be controlled by a commercial company (companies held via holding companies are therefore excluded from the scheme);
  • The company must not have filed a declaration of cessation of payments;
  • The company must not distribute a dividend, otherwise the aid will have to be repaid. However, to date, this point is covered by a ministerial declaration and therefore does not currently have a legal basis.

> Firms eligible for aid

In order to qualify for the aid, the company must also meet one of the following conditions:

This notion of periodicity and amount of turnover requires several clarifications:

  • Companies created since March 2, 2019 do not have comparative information. Consequently, the average monthly turnover since the creation until 29 February 2020 should be used as the comparative turnover. Another consequence of these periodicities is that companies created since February 1rst, 2020 are excluded from the scheme.
  • The turnover to be taken into account is:
    • For companies selling goods or providing services => invoiced turnover;
    • For companies under BNC (non commercial profit) => revenue collected.
      Nevertheless, in the case of an option to the system of taxation of acquired claims, several doctrinal sources tend to think that in this case the invoiced turnover should also be taken into account. Nevertheless, the administration has not yet taken a position on this subject.

> Amount of aid

 The amount of aid is set at EUR 1 500 but will be capped at the actual decrease in turnover.

> Detailed rules for applying for the aid

The solidarity fund will be endowed by March 31rst, 2020 at the latest. Applications must be made on the website impots.gouv.fr in the particular area of the entrepreneur or a manager.
In order to help you make your application, we suggest you consult our tutorial to help you prepare your application online:
Tuto - Application for Solidarity Fund Assistance.

If you wish, we can also assist you with the application process. To do so, please return the following mission letter, previously accepted by you, by e-mail to the employee in charge of your file:
Letter of Mission Accompaniment Request for Assistance.
Taking into account the current situation and in order to facilitate the validation of this mission letter, we propose (in case you cannot send it back to us signed and scanned) that you simply give us your tacit agreement by return of e-mail, including in the same e-mail all the information requested to carry out this mission (example of e-mail: "Hello, I give you my agreement concerning the mission letter for Accompaniment Assistance Request and I enclose the elements requested to carry out this mission").

In order to start its instruction, we thank you to transmit
at the same time the completeness of the necessary information, directly on the document or in the reply e-mail.

A few additional details:

  • Even if the company is affected by a closure, the turnover for the months of March 2019 and March 2020 must be filled in to enable the administration to determine the possible ceiling.
  • At the end of the request, you will be asked to fill in the company's bank details.
  • You will not have any documents to download, the entire application is completed directly online and sent directly to the relevant department.
  • Aid for the month of March 2020 must be requested between 1rst and April 30st, 2020.

> Duration of the aid

Assistance should be renewed monthly for as long as containment is in place. Nevertheless, the reporting formalities would probably have to be carried out monthly, in particular to enable the administration to check the turnover condition. Likewise, the decrees to be issued are likely to vary the various conditions relating to this aid according to the evolution of the country's situation.

> Person benefiting from the aid

The beneficiary of the aid is the company. Consequently, in the case of a sole proprietorship, it is the farmer who is the beneficiary. On the other hand, in the case of a company, it is the company that will benefit from the aid.

This point concerning the beneficiary requires several clarifications:

  • For companies in the broad sense => there is only one aid per company, whatever the number of corporate officers (manager, chairman, CEO) or partners;
  • For companies subject to corporate income tax => the withdrawal of the sum by an agent is considered to be a traditional remuneration and is subject to the usual system of social security contributions and income tax liability of the latter;
  • The company must be the main activity of the entrepreneur or the majority managers, consequently the company cannot benefit from it if they also have a full-time employment contract or a retirement pension;
  • The company cannot benefit from the aid if the entrepreneur or the majority managers have received daily allowances of more than EUR 800 in respect of March 2020 (regardless of when they were actually paid).

> Tax and social security regime of the aid

For companies subject to income tax, the aid will be exempt from taxes and contributions.
For companies subject to corporation tax, the aid will be exempt from corporation tax. (Note: there is therefore no exemption for the withdrawal of the sum by the company's officers).

> Future developments

This aid scheme is supplemented with the support of the regions. The outline of this aid is beginning to become clearer. We will communicate to you very soon in this regard.

> Our advice

In order to anticipate, and in the event that you were not compulsory to close down, we encourage you to gather all the evidence of your turnover for the months of March 2019 and March 2020. This is in order to determine whether the change in the latter makes you eligible for this aid.

If you wish, you can click to consult the press kit "The Solidarity Fund" of 25/03/2020 distributed by the government.

We would like to remind you that it will be very useful for you to complete your assessment, in view of the procedures to come. So, please help us to help you, by getting in touch with the accountant in charge of your file, in order to provide him/her with the last elements necessary for the preparation of your balance sheet as soon as possible.

If you have any questions to ask us, please send them by email directly to your usual contact person in our office.

We look forward to hearing from you.

Best Regards,

The French Business Advice team

************************************************************************

Wednesday, April 1rst: Orders on Rents, Deposits of annual accounts and Tourism

Dear Customers,

The coronavirus is a sudden and unpredictable event that leads to the application of political, health, economic and traffic restrictive measures likely to significantly modify the functioning of companies by impacting its costs.

Thus, our Legal Department wanted to give you an update on 3 recently published orders:

You can click above to download our explanations.

Augefi/French Business Advice's Legal Department is at your disposal for any questions or requests of services relating to its area of expertise, at juridique@augefi.fr.

We look forward to hearing from you.

Best Regards,

The French Business Advice team

************************************************************************

Monday, March 30th: URSSAF financial aid to self-employed workers (Updated on 10/04/2020)

Dear Customers,

Since the beginning of the COVID-19 crisis, and particularly the containment crisis, many of you have read about the possible allocation by URSSAF of specific aid as well as the remission of contributions to self-employed workers. In a recent communication, the Council for the Social Protection of the Self-Employed has just created a budget and a specific procedure linked to the crisis we are experiencing.

To be eligible for this aid, the self-employed person must:

  1. Have made a payment of contributions since setting up;
  2. Have been affiliated before 1 January 2020;
  3. Be significantly affected by measures to reduce or suspend activity;
  4. To be up to date with social security contribution;
  5. Not being able to benefit from the Solidarity Fund.

Self-entrepreneurs must also meet the following 2 conditions:

  • Principal activity;
  • They must have reported sales above zero before December 31, 2019.

To make this request, you can:

You will be asked to fill in the application form:

  • The identification details of your contributor account;
  • Information describing and identifying your company;
  • Information about your household income structure and composition;
  • Figures relating to the impact of the health crisis linked to COVID-19:
    • If your activity has been reduced, you will be asked :
      • An estimate of the percentage decrease in activity;
      • You will also be asked for an estimate of the decrease in your turnover. If you were in business on 1 March 2019, by direct comparison between the turnover of March 2019 and March 2020. If your activity started after 1 March 2019, by comparing the average monthly turnover from the start of your activity on 29 February 2020 with your turnover in March 2020.
    • In all cases (total cessation or reduction of activity):
      • Your turnover as well as your professional income 2019;
      • Your turnover as well as your professional income 2018;
      • A personal bank details (RIB);
      • Your last tax bill.

NB: the last two elements must of course be in digital version.

To submit your application:

  • Artisans/traders => go to the secu-independants.fr website. Choose in the menu bar " social action " then " send an email ". This module does not require a connection to a secure space.
  • Liberal Professions => use the secure messaging system on the URSSAF site to declare "an exceptional situation" and specify "social action" in the message content.
  • Self-employed entrepreneurs => use the secure messaging system on the autoentrepeneur.urssaf.fr website, then select "I am encountering payment difficulties", "Request for payment delay" and specify "social action" in the message content.

If you would like us to assist you with this formality, you can contact the person in charge of your file. He/She will draw up the mission proposal best suited to your request.

Important: this assistance is not legal assistance but is studied on a case-by-case basis by the URSSAF. As a result, we are unable to give you any information about the amount or payment methods (bank transfer, remittance of contributions, etc.). Likewise, we cannot guarantee the granting of this aid. URSSAF has not made any communication regarding its allocation criteria. As this is a case-by-case grant, you have no means of recourse if you are refused.

URSSAF has also not communicated the tax and social security regime applicable to this aid. As there are no details on the subject, it is likely that it will be included in your professional income according to the usual rules.

We suggest that you consult our board at the top of this page to see a summary of possible aid for companies and self-employed persons.

As always, our teams remain at your disposal.

We look forward to hearing from you.

Best regards,

The French Business Advice team

************************************************************************

Thursday, March 26th: State Solidarity Fund

Dear Customers,

As announced at the beginning of the containment, the State has created a fund to help small businesses. This fund will take the form of a 1,500 euro aid package, the outlines of which are still being worked out. If some information is still to be taken at face value, others are more clearly validated. In this e-mail we are therefore offering you a summary of the information to date.

> Companies concerned by the system

Aid from the fund is aimed at small enterprises with the following characteristics :

  • A turnover of less than EUR 1 million;
  • A taxable profit of less than EUR 60 000;
  • A workforce of up to 10 employees.

A few details:

  • The scheme is open to all small businesses regardless of their status (sole proprietorship, limited liability company, SAS, auto-entrepreneur, etc.);
  • For the workforce threshold, the physical workforce should be used and not the full-time equivalents. Nevertheless, the government does not yet seem to validate this point definitively.

> Firms eligible for aid

In order to qualify for the aid, the company must also meet one of the following conditions:

  • It must be subject to administrative closure;
  • Have suffered a fall in turnover of more than or equal to 70% between March 2019 and March 2020.

This notion of periodicity and amount of turnover requires several clarifications:

  • Companies created since March 2, 2019 do not have comparative information. Consequently, the average monthly turnover since the creation until 29 February 2020 should be used as the comparative turnover. Another consequence of these periodicities is that companies created since 1 February 2020 are excluded from the scheme.
  • The turnover to be taken into account is:
    • For companies selling goods => invoiced turnover;
    • For companies providing services => turnover collected.

For this second case, the government was alerted to the fact that in March, there could be collections in February, which could distort the real drop in activity. The administration has thus issued the possibility of neutralising the turnover of these receipts, but for the time being this point has not been validated.

> Amount of aid

The amount of aid is set at EUR 1 500 but will be capped at the actual decrease in turnover.

> Detailed rules for applying for the aid

The solidarity fund will be endowed by 31 March 2020 at the latest. The administration is currently working on the technical solution to apply for it. It hopes to be able to receive the first applications as of 1 April 2020. However, it is not in a position to guarantee this date and we have been told that the service could be opened as of 4 April 2020.

As for the practicalities of declaration, for the time being nothing has been communicated to us except that the elements necessary for the request will be on the website impots.gouv.fr.

> Duration of the aid

Assistance should be renewed monthly for as long as containment is in place. Nevertheless, the reporting formalities would probably have to be carried out monthly, in particular to enable the administration to check the turnover condition.

> Person benefiting from the aid

The beneficiary of the aid is the company. Consequently, in the case of a sole proprietorship, it is the farmer who is the beneficiary. On the other hand, in the case of a company, it is the company that will benefit from the aid.

This point concerning the beneficiary requires several clarifications:

  • For companies in the broad sense => there is only one aid per company, whatever the number of corporate officers (manager, chairman, CEO) or partners;
  • For companies subject to corporate income tax => the withdrawal of the sum by an agent is considered to be a traditional remuneration and is subject to the usual system of social security contributions and income tax liability of the latter;
  • For sole proprietorships => the aid cannot be cumulated with the daily allowances received for childcare at home.

> Tax and social security regime of the aid

For companies subject to income tax, the aid will be exempt from taxes and contributions.
For companies subject to corporation tax, the aid will be exempt from corporation tax. (Note: there is therefore no exemption for the withdrawal of the sum by the company's officers).

> Future developments

This assistance package should be completed with the assistance of the Occitania region. At present, we have no information on the precise contours of the latter. We will not fail to communicate to you as soon as we have them.

> Our advice

In order to anticipate, and in the event that you were not compulsory  to close down, we encourage you to gather all the evidence of your turnover for the months of March 2019 and March 2020. This is in order to determine whether the change in the latter makes you eligible for this aid.

If you wish, you can click to consult the press kit "The Solidarity Fund" of 25/03/2020 distributed by the government.

We would like to remind you that it will be very useful for you to complete your assessment, in view of the procedures to come. So, please help us to help you, by getting in touch with the accountant in charge of your file, in order to provide him/her with the last elements necessary for the preparation of your balance sheet as soon as possible.

Our teams remain at your disposal. We look forward to hearing from you.

Best regards,

The French Business Advice team

************************************************************************

Thursday, March 26th: Employer's obligations for the safety of its employees

Dear Customers,

Some of you will certainly decide to resume their activity soon. As you probably know, the Ministry of Labour has issued several instructions concerning measures to be put in place to ensure the protection of your employees.

We suggest that you consult the
Document from the Ministry of Labour presenting these instructions (in French).

It is possible that these instructions will change in the coming days. We therefore advise you to regularly consult the Ministry of Labour's website to follow their evolution:
https://bit.ly/3akaRhn.

We look forward to hearing from you,

The French Business Advice team

************************************************************************

Thursday, March 26th: Steps for seeking funding

Dear Customers,

As we have been doing since the beginning of this health crisis, we continue to keep you informed and to support you as best we can through our various means of communication and thanks to the involvement of all our teams.

This is why you will find below a reminder of the different steps to follow in your search for financing. Indeed, in order to meet your company's needs in the coming months due to the decrease (or even loss) of activity, it might be necessary to support your company's cash flow.

Consult our special document:
Process - Steps to obtain a government-guaranteed loan

In order for your file to be complete and to be eligible for this type of financing, you will be asked to attach your latest tax package. This is why, for companies that end their fiscal year on 31 December 2019, we recommend that you contact the accountant in charge of your file, in order to provide him/her with the last elements necessary for the preparation of your financial statements as soon as possible.

The FRENCH BUSINESS ADVICE teams will be at your disposal to assist you in case of additional requests to the acceptance of your financing application.


Yours sincerely,

The French Business Advice team

************************************************************************

Tuesday, March 24th: Cash management and relations with banks

Dear Customers,

Faced with the crisis and the sudden shutdown of our activities, we must now organize the management of our company's cash flow. Indeed, we have to keep our cash flow for a period that seems likely to be long (one or two months! Or less, we all hope!). Then, we must prepare for the recovery, which we also hope will be lively and cash-consuming, mainly through your cash flow requirements.

To do this, the steps to follow remain the same as what we previously announced to you :

  • Last week, we advised you to defer all social security charges, taxes and duties to preserve your current cash flow. We remain vigilant for the next deadlines. Depending on the possibilities of your activity, we will invite you to postpone them also for the month of April;
     
  • We will also focus on negotiating the deferral of your rent and water and electricity bills whenever possible.
     
  • Today, we are coming back to you to give you tools to postpone your bank loan installments as well as your lease payments. This is essential if you don't want to pay for your productive tools while they are idle. Download our Bank Letter for Deferral of Lease Rents and Bank Letter for Deferral of Loan Payments templates.
     
  • Finally, you should take advantage of this week to go to your banker to study the possibility of obtaining a cash loan. This is quite possible because of the guarantee of the State. The State, in order to support the economy in full standstill, will guarantee your company up to 90% without asking for additional guarantees or securities from you. For companies having difficulties with their usual banker, it is possible to contact BPI France directly.

To carry out this last mission, it will be necessary to produce documents concerning your company such as the 2019 accounts and/or cash flow forecasts. The lender will need evidence to decide on the requests you will make.

For this, we encourage you to return to your collaborators in order to transmit to them all the missing elements concerning your 2019 accounts. We will do our best to finalize the 2019 accounts for your banking file. Finally, it is possible that the study of your banking file may require activity or cash flow forecasts. In order to meet this request and at no extra cost, we wanted to provide you with the tools you need to carry them out. These tools, which are simple and quick to use, will be sent to you as soon as possible. However, if you would like us to accompany you for these procedures or documents to be produced (such as cash flow forecasts), we will always be at your disposal at the lowest possible price and adapted to the situation.

As from the beginning, the French Business Advice team remains mobilized to support you to face this crisis.

If you have any questions to ask us, please send them by email directly to your usual contact person in our office.

Best Regards,

The French Business Advice team

************************************************************************

Thursday, March 19th: Summary of government measures in support of business

Dear Customers,

In response to the outbreak of the Covid-19 Coronavirus, the government has implemented drastic containment measures that impact our daily lives. The impact on the French economy and even more so on our businesses is immense. Under these conditions, and as we have always done since the beginning of this crisis, we remain mobilized at your side to inform you of the latest measures taken by the government to help businesses.


A number of measures will be taken by ordinance in the coming days. The emergency bill to deal with the Covid-19 epidemic should be examined in the National Assembly this Thursday 19 and Friday 20 March 2020. We will not fail to keep you informed of the measures announced.

For the time being, we think it would be useful to provide you with a summary of the 9 measures already put in place by the government on the economic front to deal with this crisis: 

  1. Delay for deadlines for the payment of social and/or fiscal instalments (URSSAF, direct taxes); 
  2. In the most difficult situations, direct tax rebates that can be decided on the basis of an individualized examination of applications; 
  3. In some cases, deferment of payment of rents, water, gas and electricity bills for the smallest companies in difficulty; 
  4. 1,500€ for the smallest enterprises, the self-employed and micro-enterprises in the most affected sectors thanks to the solidarity fund financed by the State and the Regions; applications should be possible from 31 March 2020
  5. The mobilisation of the State to the tune of 300 billion euros to guarantee bank lines of credit that businesses may need because of the epidemic; 
  6. Support from the State and the Banque de France (credit mediation) to negotiate with its bank a rescheduling of bank loans
  7. The maintenance of employment in companies through the simplified and reinforced partial unemployment scheme; 
  8. Support for the handling of disputes with customers or suppliers by the Business mediator; 
  9. The recognition by the State and local authorities of the Coronavirus as a case of force majeure for their public procurement contracts. Consequently, for all State and local authority public procurement contracts, late penalties will not be applied.

You can consult the full document provided by the Government by clicking here.

If you have any questions to ask us, please send them by email directly to your usual contact person in our office.

Best Regards,


The French Business Advice team

**************************************************************

Wednesday, March 18th: Updating of short-time working

Dear Customers,

Many of you have given us very positive feedback on the tutorial that we have made available to you in order to carry out your request for partial activity/partial unemployment and we thank you for it.

As we have been doing since the beginning of this unprecedented crisis, we are sending you the information that we receive as we go along in order to provide you with the best possible support in all your procedures. Thus, you will find below some additional information concerning applications for short-time working.

> Request for partial activity

Possibility to make the request within 30 days with retroactive effect (the sooner the request is made, the sooner you will get the reimbursement as an employer);

  • Examination of claims within 48 hours, which can be extended to a few days (3 to 10 days). For this, it is important to mention the terms "CORONAVIRUS" or "COVID-19" as justification;
  • The site where the request can be made is still the following: https://activitepartielle.emploi.gouv.fr/aparts/

> Compensation

  • Establishments due to close (non-food stores, etc.) and those reducing their activity can benefit from the partial activity;
  • Only one request per company can be made even if it has several establishments;
  • The Ministry of Labour has announced compensation for employees in the amount of :
     
    • For employees at the minimum wage => 100% of their remuneration
      E.g.: for a SMIC salary, i.e. €1,185.35 net paid to the employee => the employer receives €1,185.35 in help.

       
    • For other employees => 70% of their gross salary, i.e. 84% of the net salary (with a minimum of the SMIC, of €1539.42 gross or €1185.35 net).
      Ex 1: if an employee is paid €1,650 gross/monthly=> he should receive €1,650 x 70%=€1,155 net, this amount is lower than the SMIC, so readjustment to the SMIC: the employee will be paid €1,185.35 net and the employer will receive €1,185.35 in help.

      Ex 2: if an employee is paid €3,000 gross/monthly => 3,000 x 70% = €2,100. The employee will receive a salary of € 2,100 net; the employer will receive € 2,100 of help.
       
  • The employer can decide to maintain the full salary but reimbursement is only made on the above basis;
  • The partial activity can be individualized but an "equity must be maintained on equivalent positions" (except on request of the employees);
  • Sales representatives are not eligible for this scheme;
  • Apprentices benefit from partial unemployment if they are not in training during this period (or distance learning). Young people in training will have to join their company. If the company is only partially active, they will benefit from it in the same way as employees; their remuneration will be maintained. Employees on professionalization contracts will benefit from the same measures.

Consult our tutorial note (in French): Updated tutorial - Request for partial unemployment

We remind you that these tutorials are offered to you so that you can go faster in your requests, as our teams are currently very much in demand, and their switch to teleworking reduces their speed of execution. This is why we have chosen to give you the keys to these different process.


We remain at your disposal and ask you to contact your usual collaborators for any questions you may have.

Best Regards,

The French Business Advice team

**************************************************************

Wednesday, March 18th: Corporate treasury

Dear Customers,

As you know, our country has been partially paralyzed by this global health crisis for the past few days.

We are fully aware of the difficulties you are facing, but also of the many problems we will have to face in the coming weeks.

That is why, as an accounting firm, we have been organizing ourselves since the President's announcements so that the forces available within our workforce can continue to work from home, while respecting the measures imposed by the government.

The AUGEFI firm has therefore chosen not to resort to partial unemployment, to continue to accompany you in spite of this crisis and to offer you its services.

Since Saturday evening, AUGEFI's teams have been mobilized in order to provide you with the first elements of answers and services (such as tutorials) so that you can make your declarations by yourself at no extra cost. Nevertheless, for those who wish, our teams are ready to carry out these steps for you according to the fee schedule that we have communicated to you and that we wanted to be as fair as possible with regard to the means involved.

For cash flow problems, there are a number of possible solutions:

   1/ We remind you that in our previous communications, we have indicated that our team, at your request, will take care of deferring all payments of social security charges and taxes that can be made in March in order to safeguard your cash flow.

   2/ Next, we would like to discuss your company's relationship with banks, suppliers and customers with regard to cash flow. The first solutions that have been brought by the government are the following:

  • A plan of debt spreading with the support of the State and the Bank of France ;
  • Obtaining or maintaining a bank loan via Bpifrance, which will guarantee all the cash loans that companies may need because of the epidemic;
  • Support in dealing with a conflict with customers or suppliers.

To report other difficulties not covered by these principles, email addresses are active: at the regional level oc.continuite-eco@direccte.gouv.fr, and at the national level covid.dge@finances.gouv.fr. Do not hesitate to ask them your questions to anticipate your difficulties as soon as possible.

   3/ Secondly, the banks are committed to carefully examining the individual situations of their retail, professional and SME customers impacted in the sectors of activity most directly exposed and will seek the solutions best suited to their needs. Decisions have already been taken, namely :
 

  • Implementation of accelerated credit appraisal procedures for tense cash flow situations, within 5 days and special attention for emergency situations ;
  • Deferral of credit repayments for companies for up to 6 months;
  • Removal of penalties and additional costs for deferrals and corporate credits;
  • Relaying of government measures.

Additional specific arrangements can also be made by individual banks.
You can therefore contact your banking network by telephone (via your advisor or dedicated platforms) to discuss the best solutions with them.

In this sense, Augefi is ready to accompany you in a structured and efficient way to succeed in your approach with your banking institution and this in the best possible financial conditions taking into account the circumstances. To do so, do not hesitate to contact the firm's collaborator or the chartered accountant in charge of your file to help you in this process.

   4/ Finally, credit mediation help for the renegotiation of contracts and credits. This system, re-established in conjunction with the Governor of the Banque de France, is aimed at any company seeking equity capital or faced with a refusal of bank financing or credit insurance.

The procedure is as follows: contact the mediator online of the credit at www.mediateurducredit.fr; the referral, which is confidential and free of charge, gives rise to a contact within a few days.

   5/ In addition, to obtain or maintain bank credit: Bpifrance can act as guarantor for loans requested by VSEs, SMEs and ETIs. The public investment bank can thus guarantee up to 90% of the amount of loans to strengthen your cash flow or short-term credit lines. Contact your banker directly, who will contact Bpifrance himself.

If you are a SME or ETI with at least 12 months' balance sheet, Bpifrance can also cover your cash-flow needs through the Prêt Atout scheme.

   6/ BPI France loans may be extended at the company's request to its usual banking contact. Then banking contact will then forward the request for deferral of the guarantee to Bpifrance, which will process it at no additional cost. Bpifrance automatically defers the payments of all its customers for a period of 6 months from March 16, 2020.

For all your procedures, your bank or the regional delegation of Bpifrance in Montpellier (04 67 69 76 00), Perpignan (04 68 35 74 44) or Toulouse (05 61 11 52 00) , the toll-free number 0 969 370 240 or: www.bpifrance.fr to make your request online or to be called back You can also consult the Bpifrance site.

   7/ In addition to this system, there is the CSOEC's 50 K€ loan system which allows companies to finance their cash requirements.

The €50 K Credit facility, which was initiated by the Order of chartered accountants, in partnership with the major French private banks, was originally designed to help companies in difficulty following the financial crisis of 2008.

The Ordre of chartered accountant relaunched this scheme by modernising it, in July 2018, by creating a single online application form that can be filled out and sent simultaneously to three banks. This system can currently be used to finance companies' cashl requirements.

   8/ Resolving conflicts with my customers or suppliers: The Minister of the Economy has asked professional organisations to send a message of leniency to companies giving orders, so that they avoid applying late payment penalties to their subcontractors. Firms that have State public contracts will not be penalised in the event of late delivery (force majeure) and the State has asked local authorities to do the same.

The mediator can facilitate the search for an agreement with your partners, private or public, in the event of a dispute. The process, which aims to find an amicable solution to resolve the dispute, is carried out confidentially, free of charge and quickly.
The process is the referral to the mediator, which can be done online at www.mediateur-des-entreprises.fr.

If you have any questions to ask us, please send them by email directly to your usual contact person in our office.

The French Business Advice team

**************************************************************

Tuesday, March 17th: Measures for the self-employed

Dear Customers,

Many of you have asked us about the situation of self-employed workers, so we are providing you with a few elements of a response that will be completed as we go along.

1) Contributions of self-employed workers

URSSAF: https://bit.ly/2x0hK8P
For self-employed persons who have opted for payment of contributions on the 20th of each month, the monthly contribution due date of March 20, 2020 will not be debited on your bank account.

MSA: https://bit.ly/3d6RJF8
The deadlines set between 15 and 31 March 2020 will be postponed without penalty: no action is required.

2) Modulation or cancellation of advance payment on income tax (PAYE/PAYG)

Following the email that you must have received from the tax authorities, we remind you that you can modify or delete the withholding tax installments before the 22nd of the month thanks to our tutorial: Tuto - Modify or delete your withholding tax installments

3) Work stoppage for childcare TNS or corporate managers

If your partner has not taken the childcare leave, you can request a childcare leave at https://declare.ameli.fr/ thanks to this tutorial: Tuto - Request for childcare leave
This measure applies to self-employed workers and corporate managers.

4) Solidarity Fund for craftsmen and tradesmen

As regards the Solidarity Fund, no official text has been published to date. We will therefore simply remind you of the announcements made:
 

  • Emmanuel Macron's promise to unblock "a solidarity fund" for craftsmen and small traders would be matched by the State, with the participation of the Regions.
  • Bruno Le Maire announced, on 15/03/2020, the release of 1 billion euros for small businesses (with less than 1 million turnover), particularly in the catering, tourism and food sectors. These businesses could receive a lump sum of 1,500 euros. To be eligible, they will have to have remained open and show a loss of 70% between March 2019 and March 2020, linked to the epidemic. Supplements may be allocated on a case-by-case basis.

As soon as the official texts are published, we will specify the modalities to come.

5 ) Professional loan

We advise you to get in touch with your bank in order to suspend current loans for a period of 6 months.
Further information will be provided in the coming days.

If you have any questions to ask us, please send them by email directly to your usual contact person in our office.

The French Business Advice team

**************************************************************

Tuesday, March 17th: VAT customers and news about short-time working

Dear Customers,

In view of the current situation, we must support you through this difficult period. This is why we will try in the coming days to give you the best possible information and advice.

> VAT of February 2020 to be declared and paid in March 2020:

Today, we want to address the urgent need to safeguard your cash flow as well as possible. As every month, you have mandated us to declare and pay your company's VAT online. If you wish to cancel the VAT payment for February, there are several scenarios depending on the date on which your company must declare the VAT: 

  • For companies that have to declare from the 16th to the 19th of the month: the declaration has been made by our services => only one solution: the bank opposition to the levying of VAT.
  • For companies that have to declare from the 21st to the 24th of the month: the declaration has been made or has not yet been made by our services => our services can still modify the payment to be made by entering the desired amount (either partial payment or no payment at all).

To simplify matters, we ask you to contact as soon as possible the person in charge of your file by sending him/her an email expressing your wishes concerning the payment of your company's VAT. Our team will then be able to react accordingly and comply with your instructions as best as possible.

> Partial unemployment:

The Ministry of Labour, via a press release dated March 16, 2020, provides us with details on the partial activity scheme.

As you may have noticed, the website of the DIRECTTE (https://activitepartielle.emploi.gouv.fr/aparts/), the platform for declaring partial activity has been experiencing some difficulties since yesterday. The server of the Service and Payment Agency (ASP) accessible to employers to proceed with their request for partial activity is facing an exceptional influx which leads to make the site inaccessible to many companies.

In order not to penalize businesses, the Ministry of Labour has decided to give businesses a 30-day period to file their request, with retroactive effect.

Regarding compensation paid to employees, the Ministry of Labor's press release states that a decree will be issued in the next few days to reform the partial activity scheme, in order to cover 100% of the compensation paid to employees by companies, up to a maximum of 4.5 SMIC.

However, in view of the situation and the means deployed by the government, the advice of your chartered accountant is to preserve your cash flow by deferring taxes and social charges to maintain a normal relationship with your suppliers and customers. Indeed, your customers and suppliers are companies like you and will also have cash flow problems if normal payment relationships are not respected.

The Augefi team remains at your side during this complex period and wishes you good luck!

If you have any questions to ask us, please send them by email directly to your usual contact person in our office, and not in return for this email.

The French Business Advice team

**************************************************************

Monday, March 16th: Request for work stoppage for childcare or for partial unemployment

Dear Customers,

In order to help you through this difficult period, we have prepared two tutorials (in French):
 

These tutorials are proposed to you so that you can go faster in your requests, our teams are currently very busy, and their passage tomorrow in telework may potentially reduce their speed initially. This is why we have chosen to give you the keys to these different procedures.

If, despite these tutorials, you would like Augefi to take over the management of these procedures, they will be invoiced as follows:

> Concerning the preparation of the application for partial unemployment:

  • From 1 employee to 9 employees: 150 € excl. VAT
  • From 10 employees to 19 employees: €250 excl. VAT
  • From 20 employees to 29 employees: €350 excl. VAT
  • More than 30 employees: 500 € excl. VAT

> Concerning the monthly follow-up of the unemployed hours of the application for short-time working:

  • 10€ excl. VAT per employee per month

> Concerning applications for work stoppage for childcare:

  • 20€ excl. VAT per employee and per month

In addition, we ask all companies who would like to extend their February payroll tax (social contributions to pay) due date to contact their usual payroll manager by email before Thursday 19 March at 12.00.

We remain at your disposal and ask you to contact your usual collaborators for any questions.

We look forward to hearing from you,

The French Business Advice team