Most business owners hold the bulk of their wealth inside the company itself. We work on both sides at once: how you are paid and protected, and how private assets are built alongside the business.
Rarely addressed together, although each one depends on the others.
Salary, dividends and current-account interest carry different tax treatments and build different pension rights. The trade-off should be calculated, not assumed.
Have your position modelledFrench self-employed schemes pay noticeably less than salaried schemes at equivalent income. A PER deducts contributions from taxable profit, within your annual ceiling.
The PER explainedA long period of sick leave without suitable cover threatens both your income and the continuity of the business. Madelin contracts remain deductible within defined limits.
Review your coverSurplus cash left in a current account loses purchasing power every year. Capitalisation contracts, term deposits and bond funds each suit a different horizon.
Review company cashHolding your premises directly, through an income-tax SCI or a corporation-tax SCI, produces neither the same annual tax nor the same tax on sale.
Our partnersA Dutreil pact or a contribution-and-sale arrangement takes years to put in place. Once the sale is signed, most of the levers are closed.
Holding structuresA first conversation with no commitment, by video call or in Nancy.