How to register as Plasterer

[Kels]

OK, if the new law takes into forse regarding CMU, then OH will register as plasterer and do the odd job as what we pay in cotisations we will pay in Private Health care so no lose situation!!

What do we do about going about it!!

I know i have to go to Chamber de Metiers but what do we take !!

He has done plastering for years, too many to count in UK, do we just need a letter from past employer ??  However we left nearly four years ago ????

I believe their is a course, what does this entail as i believe it to be about the paperwork and insurances, but in all honesty i do all this, so would it be best if we both go and is it at extra cost !!

Thanks in advance for any help !!

 

Kelsxx

[Val_2]

When we did it some twelve years ago we both went and spent five full days in a classroom studying business management and all there is to know about running a business in France and we had been doing this for 20 years previously as a local employer in the UK. You will have to speak in french and at the end of it you should receive an attestation that your SIRET number will be en cours. You will go straight into the system and will need to take out Deçennale and Civile Assurance which is only provided by a couple of insurers but your course will explain that. You go straight into the cotisation system and for the first two years it will be bit cheaper and then it will bite into your earnings. As for previous qualifications you may well be asked for these nowadays, we had previous VAT and company registration forms to show and were the first english here anyway so they didn't really bother too much. Don't fool yourself you will be getting away cheaper than paying for healthcare privately because you will also pay Taxe Profesionnelle to your commune, need an accountant and if your turnover exceeds a certain amount you will have to register for TVA. You do need to make sure you will have a steady flow of work because you pay the charges regardless of whether you have the jobs to do and late payment incurrs interest of 10% The stage de Gestion at the Chambre de Metiers isn't free, I think we paid about 1000ff back then and I was free because I translated and helped my OH to understand the french.

[Kels]

Thanks Val

My OH will probably not work that much as we intend to set up gites but according to the new system(if comes into force) is not reconised as earned income !!

I was going to input wages 'if any' as Micro BIC on my tax return, if thats possible as he probably will not earn more than 7 to 10 000 euros if that !!

I thought i could do all paperwork as i did in UK and no accountant needed as no real amount of money involved!!

We will be paying in excess as a family of four and in the last couple of weeks unfortunatly broke my back so the timing is not grt about 6000 euros or more and i believe the cotisations are around 3 to 4000 euros and we will also be contributing to a pension of somekind as we have none as it stands now !!

I think, but not sure, i already have the decennale insurance with my bank as it came standard with my home insurance, i know i have some kind i will have to check !!

I would rather pay towards the french system than to an UK insurance company, which in my opinion once and IF this law is passed will treble the prices anyhow !!

Kelsxx

[Val_2]

Decennale and Civile Assurance is only provided by a couple of assurers and certainly not by a bank. It is a specialist insurance for artisans to guarantee their work for ten years and provide public liability and in our case we are insured for 9million euros and we currently pay over 4000€/year for ours. If as you say your husband won't be working that much you can opt for the Micro Bic regime with a limited turnover of 27000€ I believe BUT I have to warn you that the Impôts look deeply into your affairs and CAN ask what you are living on especially with a family to support and very little to show on your tax returns as regards income earned. With this simple regime you won't need an accountant but it does make sense to visit one at the end of the year to verify your paperwork and help with the tax returns as they can be allowances even with regime, we certainly benefit with the full TVA system. Don't forget you may have to pay into a pension scheme too, I really don't know about the Micro system but the french authorities like everyone who earns to pay for their future retirement one way or another and this can be pretty expensive.