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Auto entrepreneur Tips please


Tim_Quincaillerie
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I have recently been made redundant and have been offered help in form of the CSP. I was hoping to setup a Menuiserie/petit Charpente Business.

Does anyone know if the CSP will help in the startup of my Auto entrepreneur business and if they will help with tools etc.

Is their anything else I should know and understand that people can help me with.

I have read alot of articles , but rather have first hand experience on the issue.
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Best bet is to go to your Pole d'Emploi or Centre de Formalités d'Entreprise or whatever you have near you, and make sure you apply for all the assistance you can BEFORE you set up as an AE. Once you are up and running it is usually too late. You might for example qualify for ACCRE if you have been made redundant and registered as a jobseeker which I think would greatly reduce the cotisations you have to pay. Have a look here (sorry I know the link won't work, you'll have to copy and paste)

http://aide-creation-entreprise.info/ACCRE-et-auto-entrepreneur-cumul
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You could also qualify for a sort of business start-up, when you sign on they will work out your allocation chomage, it is as for as I could work out worked out using length of service and wages in your previous job. They will then come up with a figure and that stipulates how much dole you get and for how long (probably a bit more complex than that but that is the essence) When decide to setup a business you can claim 50% of that figure from the pole emplois you receive in two stages one immediately and then another payment 6 months later (second payment does not arrive automatically, you have to send a letter that attesting that you are still in business to get the second tranch) In my case it was quite a substantial payment!!

As posted above you should also qualify for ACCRE that will reduce you RSI payments for the first 3 years rough figue here year 1, 5% year 2, 10% and year 3, 15%.

Opting to pay your tax at the same time as RSI cotis will also get you 3 years exemption from CFE (tax proffesional as it was)

None of this was difficult to organise, unfortunatly, I am comming to the end of my 3 years so am going to have to pay full whack for everything now :-((

good luck

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[quote user="pitway"]You could also qualify for a sort of business start-up, when you sign on they will work out your allocation chomage, it is as for as I could work out worked out using length of service and wages in your previous job. They will then come up with a figure and that stipulates how much dole you get and for how long (probably a bit more complex than that but that is the essence) When decide to setup a business you can claim 50% of that figure from the pole emplois you receive in two stages one immediately and then another payment 6 months later (second payment does not arrive automatically, you have to send a letter that attesting that you are still in business to get the second tranch) In my case it was quite a substantial payment!!

As posted above you should also qualify for ACCRE that will reduce you RSI payments for the first 3 years rough figue here year 1, 5% year 2, 10% and year 3, 15%.

Opting to pay your tax at the same time as RSI cotis will also get you 3 years exemption from CFE (tax proffesional as it was)

None of this was difficult to organise, unfortunatly, I am comming to the end of my 3 years so am going to have to pay full whack for everything now :-((

good luck

[/quote]

Thanks alot

Isnt their an option afterwards, on what you can do?

Also I understand from another thread the AE cannot charge the lower rate 5.5 percent.

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[quote] Thanks alot

Isnt their an option afterwards, on what you can do?

Also I understand from another thread the AE cannot charge the lower rate 5.5 percent.[/quote]

If you have already set-up your AE then I doubt you can do anything, but I really don't know you would have to ask the pole emplois it may be possible to apply for ACCRE

5.5% ?? are you referring to TVA? if so, there is no provision for TVA registration with AE you would have to change regime for that.

Tim

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[quote user="pitway"][quote] Thanks alot

Isnt their an option afterwards, on what you can do?

Also I understand from another thread the AE cannot charge the lower rate 5.5 percent.[/quote]

If you have already set-up your AE then I doubt you can do anything, but I really don't know you would have to ask the pole emplois it may be possible to apply for ACCRE

5.5% ?? are you referring to TVA? if so, there is no provision for TVA registration with AE you would have to change regime for that.

Tim

[/quote]

Thanks Tim

Im just trying to find out the other side of the fence to be honest .

I have done carpentry/ ùmenuiserie for the last 8 years here and know that I have a good reputation with all the trades with the possibility of going part time with them. I have the opportunity to find work on a CDI contact again but want to be able to be my own boss again.

I am not looking to earn thousands and thousands but enough to get by etc.

If some one could be able to talk to me on MSN or facebook that would be really apreciated!!

Happy new year all!!

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If you decide to go for artisan and register for TVA be aware that the third year of trading will send you sky high on RSI charges, about 65% of your income goes to them hence why artisans are so bitter here but can do nothing about it. You would also need an accountant from e€3000+/year to do your end of year TVA submission and your books for the fisc and you have to provide attestations for lower rate of TVA to your clients to sign and keep and you too for the fisc. We tried to downsize to AE but you cannot once you are in the réel simplifié scheme but there are upsides in that it pays not to make any profit so you can get assistance with bourses and not pay any tax or tax habitation.

Personally I feel the system here was partly to blame for killing my husband  as he never stopped working because of those charges which if late had hundreds of euros in majorations added and then threats followed even though we provided proof the clients had not paid and there were three other artisans in his corridoor in the hospital who had all had to retire in their 50's because they were so stressed out and ill from trying to make ends meet, so if you have a chance of a paid job, I would stick to that, its not a good time currently to start up with hardly any money about and worries over the euro etc. If your wife works, then at least you would have a back up salary and you could start AE but don't depend on it to support a family, it was not designed to do that, only to give part timers or small businesses a régime to adhere to.

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[quote user="Val_2"] Personally I feel the system here was partly to blame for killing my husband  as he never stopped working because of those charges which if late had hundreds of euros in majorations added and then threats followed even though we provided proof the clients had not paid ... [/quote]

Whilst I love living in France and have no thoughts of leaving I would be amongst the first to admit that it is not always easy to live here. Putting aside frequent online references by expats et al that France really is a different country many ex-UK incomers still mistakenly believe France is similar to the UK but where French is spoken. Err no ... not at all. As Val has been saying for years ... along with Idun's alter ego, who has always maintained that most expats have a far too rosy opinion of France ... life here is harder than you might at first want to believe. Which probably explains why so many of our French friends have the attitudes and opinions they do - hardened ideas that they, and their children, are being short-changed re the increasing tax and extraordinary payments that are demanded of them whilst the goal-posts are increasingly being moved for governmental purse gain without any regard for the ordinary person.

Sue

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Saying all that I have, I still maintain we are better off here in terms of real friends and neighbours,genuine help when needed(still can't get over all the money given to me by locals when OH died recently so we had food etc) and no fear of the horrendous PC attitudes in the UK (I often stop by the playground at the village school when walking the dog and wave to the kids, imagine I would be arrested for that in the UK these days and if a man did the same thing he would be classed as a paedo....... I also feel safer here alone and often wander about late at night in the dark when the dog decides he wants a walk round for a pee. Those who immerse themselves fully into french life will get a better quality of life and not worry about the latest gadget,holiday or new car but for many, they live in bubbles where everything is rosy in their little corner and never really see the underbelly of France.

 

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Totally agree VAL!!!!!

The best tip to moving to france is to in,tergrate into the society by attending local clubs etc. It will take time but it can and will happen that you will be accepted.

Anyway back to the AE route.

I have already a friend that is going to be building soon and has asked me if I can work on his house ie carpenty/ placos/ doors windows . How would you play it? Would you get him to pay for the materials and bill him on a daily basis?

Any ideas really appreciated!!

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I think if you want to earn your living independantly then you must register for some scheme, don't forget that your future pension and health rights will depend on your current contributions and without something legal, you won't show up anywhere in the future where you need at least 40 years of paying in (UK is taken into account as well). There is also the problem of who pays if you have a work accident and are not registered as it is free usually for accidents if you are self or employed as long as the patron is covered and you if independent. I would go along to the local Chambre de Metiers because I believe you still have to take a course there to register and get your Siret number etc and they will guide you as to the best route to go. My husband always believed there was work here for good artisans as properties need to be continually  worked on, especially the old ones and he never stopped in all the years he worked here but it takes time to build up a good reputation so the sooner you get started legally, the sooner you can get yourself known around the area. As for your friend, well we used to use other artisans for specialist metiers such as groundworks and they billed us direct at 19,6% but AE cannot charge TVA so I would imagine you would just invoice for the fixed price only for your own accounts.
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[quote user="Tim_Quincaillerie"]Totally agree VAL!!!!!

The best tip to moving to france is to in,tergrate into the society by attending local clubs etc. It will take time but it can and will happen that you will be accepted.

Anyway back to the AE route.

I have already a friend that is going to be building soon and has asked me if I can work on his house ie carpenty/ placos/ doors windows . How would you play it? Would you get him to pay for the materials and bill him on a daily basis?

Any ideas really appreciated!![/quote]

As your social contributions as AE are based on turnover then to reduce these you should get your friend to buy the materials and you invoice just for the labour.
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[quote user="Val_2"]

Saying all that I have, I still maintain we are better off here in terms of real friends and neighbours,genuine help when needed(still can't get over all the money given to me by locals when OH died recently so we had food etc) and no fear of the horrendous PC attitudes in the UK (I often stop by the playground at the village school when walking the dog and wave to the kids, imagine I would be arrested for that in the UK these days and if a man did the same thing he would be classed as a paedo....... I also feel safer here alone and often wander about late at night in the dark when the dog decides he wants a walk round for a pee. Those who immerse themselves fully into french life will get a better quality of life and not worry about the latest gadget,holiday or new car but for many, they live in bubbles where everything is rosy in their little corner and never really see the underbelly of France.

 

[/quote]

 

Ha Val, I have always liked you and often wonder where on earth you used to live in the UK prior to your move. I have great french friends, great, but to compare to my british, dutch friends as to who I prefer, I love them all and I know some wonderful people from all over the place.

 

Your views on how the UK 'is' escape me completely, I have been back nearly four years now and we live as we want to live. Our friends tend to ignore PC'ish ness, and I walk happily at night in a town that some would consider a little rough perhaps. Maybe it is because we are older as are most of our friends now, that having the latest gadget isn't a priority, whereas having a good pint is. And frankly our french friends like having nice things, and new tv's and good cars if they could afford it. What I will say is that in France in general people had a lot less disposable income than our UK friends have had, but when they have, they have had all the good stuff that they can...... it is sort of human nature and nothing new in the world, probably from the beginning of time looking at all the treasure that we see and is still found. But I will admit that maybe to some of the 'paysans' I know,  a brand new tractor would have far more appeal that say a brand new salon car. And where I lived that is what they had, new tractors.

 

So I am just about to call my french friends and wish them Bonne Annee, and they'll be pleased to hear from me, but they aren't 'better' or 'worse' for that matter, than my other friends, I am just thankful that I know some smashing people so well.

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[quote user="Tim_Quincaillerie"] Anyway back to the AE route. I have already a friend that is going to be building soon and has asked me if I can work on his house ie carpenty/ placos/ doors windows . How would you play it? Would you get him to pay for the materials and bill him on a daily basis? Any ideas really appreciated!![/quote]

If you want to register in the building trades then you need to be able to convince the chambre des metiers that you are qualified or professionally experienced in the trade(s) you want to pursue.This may be easy enough for for you for making windows but house carpentry (roofs, floors ...) and definitely placo would be a bigger problem. The French are much more into specialisation that British builders.

As I've said before, if your material costs are fairly small compared to your overheads then it's worth buying them in and including them suitably marked up in your turnover. Remember that there's a different cotisation rate for this.

If you are doing something like a fitted kitchen then no way does AE fit with buying the units and selling them on as part of a supply and fit package -- that's where you leave the customer to buy the materials and you just bill your labour.

 

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[quote user="Albert the InfoGipsy"]

[quote user="Tim_Quincaillerie"] Anyway back to the AE route. I have already a friend that is going to be building soon and has asked me if I can work on his house ie carpenty/ placos/ doors windows . How would you play it? Would you get him to pay for the materials and bill him on a daily basis? Any ideas really appreciated!![/quote]

If you want to register in the building trades then you need to be able to convince the chambre des metiers that you are qualified or professionally experienced in the trade(s) you want to pursue.This may be easy enough for for you for making windows but house carpentry (roofs, floors ...) and definitely placo would be a bigger problem. The French are much more into specialisation that British builders.

As I've said before, if your material costs are fairly small compared to your overheads then it's worth buying them in and including them suitably marked up in your turnover. Remember that there's a different cotisation rate for this.

If you are doing something like a fitted kitchen then no way does AE fit with buying the units and selling them on as part of a supply and fit package -- that's where you leave the customer to buy the materials and you just bill your labour.

 

[/quote]

Thnaks alot for the info

My metier is Charpentier / menuserie and has been so for the last 8 years here being employed as one.

Im still no clued up on if it would be betst for me to buy the material or not?

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[quote user="Tim_Quincaillerie"][quote user="Albert the InfoGipsy"]

[quote user="Tim_Quincaillerie"] Anyway back to the AE route. I have already a friend that is going to be building soon and has asked me if I can work on his house ie carpenty/ placos/ doors windows . How would you play it? Would you get him to pay for the materials and bill him on a daily basis? Any ideas really appreciated!![/quote]

If you want to register in the building trades then you need to be able to convince the chambre des metiers that you are qualified or professionally experienced in the trade(s) you want to pursue.This may be easy enough for for you for making windows but house carpentry (roofs, floors ...) and definitely placo would be a bigger problem. The French are much more into specialisation that British builders.

As I've said before, if your material costs are fairly small compared to your overheads then it's worth buying them in and including them suitably marked up in your turnover. Remember that there's a different cotisation rate for this.

If you are doing something like a fitted kitchen then no way does AE fit with buying the units and selling them on as part of a supply and fit package -- that's where you leave the customer to buy the materials and you just bill your labour.

 

[/quote] Thnaks alot for the info My metier is Charpentier / menuserie and has been so for the last 8 years here being employed as one. Im still no clued up on if it would be betst for me to buy the material or not?[/quote]

If you want to be in business on your own behalf then you need to start by doing your own sums. Work out for yourself whether you get more profit by buying in materials or by letting your customer do it.

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