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Discussion Starter · #1 ·
My husband, who is retired, wants to register as an auto-entrepreneur and I have no idea where to begin. I see all these different sites to register but don't know if they are the correct ones. Do I do the URSSAF site to register? I was a professional liberale for 30 years and I was so glad to retire to not have to deal with the paperwork and administration, that now my brain is blocked and I can't even begin to figure this out. I have looked on the forum but I can't get my head around all the tons of information. Any simple help would be really appreciated. Thanks.
 

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Discussion Starter · #3 ·
Thanks, I will use that site.
Can my husband work as soon as he registers or must he wait 4-6 weeks until he gets his URSSAF number?

Vous pourrez accéder à l’intégralité des services une fois que votre affiliation à l’Urssaf sera finalisée, soit environ 4 à 6 semaines après le dépôt de votre dossier de création d’une auto-entreprise.Un courriel vous sera alors adressé par votre Urssaf pour vous en informe
 

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One point-once retired you do not pay for health care and all the other cotisations Once you register these come back into play plus all the bureaucracy Will he earn enough to negate these charges?
 

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Discussion Starter · #6 ·
One point-once retired you do not pay for health care and all the other cotisations Once you register these come back into play plus all the bureaucracy Will he earn enough to negate these charges?
I thought it was 10% charges and taxes for the first 3 years on his gross and only pays if he earns anything, at least that was my understanding, but maybe I am wrong. Right now I think he is paying about 12% on his retirement benefits
 

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Not 10 per cent.
The rates are here Imposition du micro-entrepreneur (régime micro-fiscal et social) , click on Option pour le versement libératoire if that's what he wants, and you'll see the rate for cotisations sociales and also flat rate income tax if he wants to do that.
I thought the only potential reduction in the first few years was for people who were registered unemployed immediately prior to setting up a business. Although I seem to have a vague recollection that many years ago new auto entrepreneurs might have paid less for the first year or so, to encourage take up of the scheme (I know there was some perk introduced at one point that I felt a bit miffed because I missed out on!), but as far as I know that's finished now. But could be wrong, I'm a bit out of touch..
You are correct that if you earn zero you pay zero.
 

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Discussion Starter · #8 ·
Thanks EuroTrash, it is looking more and more complicated. A friend of my husband said it was 12% for first year and then 23% subsequent years. I think his friend will come over and set it up for him, if not, the accountant of his former employer will set it up for him.
 

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Discussion Starter · #9 ·
One point-once retired you do not pay for health care and all the other cotisations Once you register these come back into play plus all the bureaucracy Will he earn enough to negate these charges?
Those are good points. If he doesn't, he can always stop.
 

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A friend of my husband said it was 12% for first year and then 23% subsequent years.
I would be interested to see the text your friend has found about the 12% for the first year.
As far as I can see from a quick trawl, the only reduced rate at present is for ACRE beneficiaries only (and there's a temporarily exemption for some medical roles). It's unlikely a retiree would qualify for ACRE. If a special year 1 rate is currently in force for everyone it's odd that it's not mentioned more prominently on the AE websites.(Are you sure your friend isn't thinking of 2019 when I think the reduced rate potentially applied to all new MEs in their first year? But that was a one off while they were changing ACCRE into ACRE.)
He would also need to take into account CFE after the first year, I don't think that's been mentioned yet.
 

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Discussion Starter · #11 ·
I would be interested to see the text your friend has found about the 12% for the first year.
As far as I can see from a quick trawl, the only reduced rate at present is for ACRE beneficiaries only (and there's a temporarily exemption for some medical roles). It's unlikely a retiree would qualify for ACRE. If a special year 1 rate is currently in force for everyone it's odd that it's not mentioned more prominently on the AE websites.(Are you sure your friend isn't thinking of 2019 when I think the reduced rate potentially applied to all new MEs in their first year? But that was a one off while they were changing ACCRE into ACRE.)
He would also need to take into account CFE after the first year, I don't think that's been mentioned yet.
You're right, I can't find anything about the 12% for the first year and I wondered about the CFE since I saw it mentioned several times. Ugh, maybe my husband should just stay retired lol.
 

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You're right, I can't find anything about the 12% for the first year and I wondered about the CFE since I saw it mentioned several times. Ugh, maybe my husband should just stay retired lol.
The full rates go from 12.8% (vente de merchandises) up to 22% on the April 2020 table.


It's very confusing because they keep changing everything.

Whenever we see the end of covid there may be more encouragement to start a business to help with the 'bounce back'.

CFE comes in when annual turnover reaches 5000 euros.
 

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Discussion Starter · #13 ·
Well I registered my husband yesterday. Went to the URSSAF site and they sent me to the Arts et Metiers site to register, so I did, but it was hard going. Have no idea if I did it correctly. I don't even know if I signed him up for auto-entrepreneur or a company. There were a lot of boxes I had to leave blank since I didn't know how to check the appropriate one. One of the things I had to check was Micro-BIC. Was that correct? Does that mean each year he will have to fill out a tax declaration 2042CK PRO? And if so, can he deduct his charges? There was also something to check to protect your assets, and I checked No. If I would have checked yes I would have had to see a notaire for them to draw up some type of document listing all of our assets. I thought this was going to be easy, but now I'm not sure.

Will I have to set up a separate Impots account for him?. Right now all of our taxes come out of my checking account. I would rather his tax comes out of his own account. Is that possible?
 

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Discussion Starter · #14 ·
His application was rejected. In order to continue with the application he has to supply the following documents: I did send a copy of his French nationality card, but didn't know I had to send all the rest.

NOTIFICATION DE REFUS : PIECES JUSTIFICATIVES DEMANDEES

Nb exempl.Justificatif de l'identite du déclarant
1Nationalité françaiseCopie de l'extrait d'acte de naissance ou Copie de la carte nationale d'identite ou Copie du passeport en cours de validité
1Non condamnation pénaleDéclaration sur l'honneur de non condamnation mentionnant la filiation (noms et prénoms de la mère et du père) Voir modèle
Nb exempl.Justificatif de création du fonds (commercial, artisanal) ou création d'activité
1Au domicile personnelTitre d'occupation (quittance EDF, loyer, bail, titre de propriété ou tout autre moyen)
Nb exempl.Justificatif condition d'exercice d'identité
1Qualification professionnelleL'exercice de certaines activités est réglementé et nécessite la possession d'un diplôme ou d'un titre ou la justification d'une expérience professionnelle ou d'une autorisation
Liste des activités réglementées
Déclaration de qualification coiffure
Déclaration de qualification
1Auto entrepreneur avec activité artisanaleJustification de qualification professionnelle artisanale (JQPA)
Commentaire
Dans le cas de transmission électronique de dossier d'une immatriculation, le justificatif d'identité doit être revêtu de la mention manuscrite d'attestation sur l'honneur de conformité à l'original, d'une date et de la signature manuscrite de la personne qui effectue la déclaration.

Bonjour, veuillez refaire entièrement la déclaration et joindre toutes les pièces mentionnées.
La copie de la pièce d'identité doit comporter la mention manuscrite : ''copie certifiée conforme à l'original'' + date + signature.
Ou prendre rendez-vous au CFE CMA DE PARIS avec les mêmes pièces justificatives, + coût de la formalité 60 euros.
cdlt

I thought the process for applying for auto-entrepreneur was easy. I guess if he had a first born, they would want that also.
 

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From what you've said so far, it seems like his profession is controlled by the Arts et Metiers rather than the plain old vanilla auto-entrepreneur statut. There is also the hint here that what he is looking to do may be a regulated profession, in which case all bets are off.

Obviously you don't have to answer this, but if your husband is a French citizen I do sort of wonder why he wouldn't be doing his application himself. Easier, if for no other reason than the language issue. But that's between you and him.

But to respond to your last point, if he needs to register through Arts et Metiers then chances are he isn't really an auto entrepreneur and you're registering him for a different sort of business entity. You probably need to check out the regulations for his line of work.
 

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Yes I'm confused by the Arts et Métiers thing too. It sounds like he has a fairly specialised activity.
The whole point of ME is to offer a "simplified" process for starting and running a business, which is not necessarily quite the same as offering an "easy" option. It it doesn't sidestep any of the normal legal obligations such as having to prove qualifications for certain activities, prove your ID and address etc. Just, it's been simplified by creating as far as possible a one-size-fits-all scheme, with a single online application form, principally aimed at popular mainstream activities.
So if you and your business happen to meet all the requirements and you can tick all the boxes and send all the documents, and the advantages/disadvantages of the scheme fit with your business priorities, ME is a simpler and more streamlined option to set up and run than other business structures. But if you or your business doesn't happen tick all the boxes, ME won't work. The trade off for the simplicity is that there is very little flexibility.

It may be worth the 60€ to get the CFE to take you through the process. They'll make sure register for the right thing (your post got me quite worried yesterday when you said you weren't sure what you'd signed him up for!) and they will be able to answer your questions and explain how it all works and set your mind at rest. But as Bev says, it's important that he understands what he's being signed up for as well. For instance he needs to understand his obligations in terms of declaring turnover/paying cotisations etc, because there are fines for not doing it. And he needs to understand that he can't offset any expenses at all, so he needs to run his business with that in mind - if he doesn't realise that and merrily invests and spends money in the expectation of being to offset it against profit, it will end in tears.
 

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Discussion Starter · #17 ·
My husband is a painter of apartments, so when I went into the URSSAF site they asked what your professional category is and I checked that box and that's when they sent me to the Arts et Metiers site. The reason my husband isn't filling out the application is because his computer skills are sort of non-existent and I'm stuck doing it. I have a feeling I must have signed up to create a company instead of auto-entrepreneur or else his category of work makes it impossible to be an auto-entrepeneur, which is strange because many of his friends have done this regime. He just talked to his former boss and the accountant is at his office today, but alas he goes for his second Pfizer dose today, but the accountant will be back Friday so he will figure it out for him then. If this entails him setting up a company, he will not do it, as he saw all the problems I went through when I was working as a professional liberale. Thanks everyone for your help.
 

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To be honest, if he doesn't have basic computer skills he's going to have difficulties maintaining a "micro-entreprise" or whatever it's called these days. That's part of the "simplification" process - everything is handled online. I agree with EuroTrash - it might be worth consulting with the CFE if only for any computer classes they might have available to get him started. Or maybe his former boss might help subsidize any necessary consultations or classes with the CFE or the Arts et Metiers if the boss is interested in him getting set up on his own.
 

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Discussion Starter · #19 ·
My husband will never learn more complicated computer skills, it's me that will be doing all the admin stuff. When I gave him the passwords for his accounts he said do my birthday dates, I just laughed and had to explain to him that that would never work. Once it's all set up, I can do the admin stuff easily since I'm used to it when I was in the prof. liberale regime. I will keep you posted on what the accountant does.
 

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My husband will never learn more complicated computer skills, it's me that will be doing all the admin stuff. When I gave him the passwords for his accounts he said do my birthday dates, I just laughed and had to explain to him that that would never work. Once it's all set up, I can do the admin stuff easily since I'm used to it when I was in the prof. liberale regime. I will keep you posted on what the accountant does.
I don't see an issue with you doing it on his behalf. It is very hard for some people to adjust (and it has nothing to do with intelligence), and as those people age it can become even more daunting.

Good luck.
 
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