Artisans, merchants, I love you me either

[Christophe]

Well see, you've seen the money they ask for, no real CA for maintaining warranty and banks know this because they do not lend money, and they will be right. Many prefer to start with a small capital.

What are the rules in this area? I guess there are not really but ...I have always heard that the sale price of a "goodwill" (I don't know if the Belgian term is the same) was = 18 to 24 months of turnover (Not the margin, much less the benefit)

Return on investment: 5 to 10 years so ... if it works at least "as before".

[Philippe Schutt]

For example: Woodcutter rolls XM has 18 years !!

What we would not do to roll XM!

And a nuance on the capital: they pass it on to the heirs (without taxation from Sarko, it seems to me). I currently run a public training center. 30 employees. A budget of € 1 per year. I will leave everything when I retire

Ben necessarily, it's not your sub who paid the center.

No Philippe it's not a creation of money in the sense that we can hear it, it's just a notebook on which one writes that one hour of masonry worth 10 shells or nuts and one hour of English teaching or knitting is worth the same thing; the currency is in this case virtual.

It's virtual, just like when I write a check. and being negative is a form of borrowing. and shells are another unit. they did well in Ariège, but if it gets bigger,

Can you tell us what is your activity?

import-export, metalwork, locksmithing, plumbing and heating, installation of pellet stoves, and this year I plan to also add solar thermal. Place your orders!

Those who claim to communism did not like motor jealousy, he simply want a more egalitarian society and refuse the enrichment of some to do so on the backs of others. But in this society, it is often what happens.

In a world of limited resources, it's inevitable. that is why communist utopia does not work.

They deserve help.

Pity not. Please, leave us cushy work, that's all we want. Even the dough, we would do without if it was possible.

As for the car, the most lucrative is to charge km of his personal car to the company. We can not see here an advantage for artisans.

Gifts: yes, I saw that. I doubt that we can still call this painter a craftsman, because the objective is damn high placed. and leaves the medical profession, "health is priceless" + the geographical limitation of professionals has made this market a money pump without limit. Finally, do not have any illusions: far from endorsing them, the tax authorities and especially the ussaf adore these practices.

business plan; what percentage of companies have one to get started? The only business plan I saw was to cash the grant.
Quote from the training manager of the Strasbourg CCI: "If business creators really knew what they were doing, they wouldn't do it."

[Philippe Schutt]

..I have always heard that the sale price of a "goodwill" (I don't know if the Belgian term is the same) was = 18 to 24 months of turnover (Not the margin, much less the benefit)

Return on investment: 5 to 10 years so ... if it works at least "as before".

For a business, yes. In crafts, CA depends a lot on the person, take other criteria more restrictive. The stock, the current account, capital. This ensures the CA, concession contracts, lease rights etc ...

[Christophe]

Quote from the training manager of the Strasbourg CCI: "If business creators really knew what they were doing, they wouldn't do it."

Oh, it's beautiful yet a cliché to con ...

I see we have the same opinion on the Strasbourg CCI: a bunch of idiots ...

+ 1 with the Business Plan, it's a bunch to nonsense for:

a) go suck his banker or grant
b) have the opportunity to do well kiss his idea by others
c) show off with friends

BP ca is worth absolutely nothing: we can make 3 day if you want ... which never really bring back a Euro Cent ...

A financial forecast is however a little more interesting ... normally it is included in a BP ...

[elephant]

What is called in Belgium "chart of accounts" must be attached to the act of incorporation of the company.
It is indeed essential to know where you are going, for example in the report: sales - profit on sales - cost of labor - cash flow forecasts.
Please note, a serious breach in respect of this plan makes you very badly overlooked the courts in case of bankruptcy (for example, if you make a big expense not specified in the plan)
The most difficult remaining course of forecast sales: your capacity you always know more or less, but it will advertise or relationships bring a sufficient number of customers, that's another story ....

[Philippe Schutt]

In my opinion, the crucial point of success is sales. If you can not anticipate a CA almost certain thanks to a safe client (or more), or because you have already started to test the market, the risk too big to invest.

[elephant]

Certainly, but in many areas, we must make the investment to obtain, licenses (eg you could not open a butchery without inspecting the shop)

[C moa]

In a world of limited resources, it's inevitable. that is why communist utopia does not work.

You're right and also how well we see walking capitalist utopia.
I think the truth is out there ....

Pity not. Please, leave us cushy work, that's all we want. Even the dough, we would do without if it was possible.

Look what I put stp.

Not necessarily not reductions charges or taxes (this is included in the leaf margin) but especially in terms of formation, operation or management tools.
I'm scared every time I discuss with artisans to see that with a little more organization and methods (ideas / tools stitched industry), they could save time in hardship and therefore money.

Some flexibility in relations with administrations would not be a bad either. Personally, I used CESU and CEA, if there was this type of tool for businesses, they would save time !!!

An example to be concrete, I put last year in an association that I took care of the Check Employment Associative (CEA). It can be used in the employment of staff up to 9 full-time equivalents, so it may concern many SMEs or small businesses. The principle ?? You hire someone by simply writing a check for the value of the net salary. The declaration of hiring, the calculation and the payment of the expenses, the documents for the declaration of the incomes ... and all the toutim are done automatically by the office of the CEA thus more need of accountant, two lines in the account book are enough .
To my knowledge this tool does not exist for craftsmen and IMHO it would allow them to save lots of time and hassle of paperwork. Now if you find that this is a bad idea, it's okay, it's your accountant who is counting.

Gifts: Yes, I saw that. I doubt you could even call it an artisan painter, because the objective is damn high up.

Personally I rather tend to work small local artisans, large structures are also often much more expensive. In his case, he is alone with an arpet and an interim when it is necessary ....

the geographical limitation of professionals has made this market a pump money without limit.

Uh excuse me ask your pardon but today there is no geographical limitation. That is even why we do not find more generalists or physios in our campaigns but they do not know where the fuck PACA region ....

Finally, do not worry illusions away endorse the tax authorities and especially the urssaf love these practices.

I completely agree.

business plan; what percentage of companies have one to get started? The only business plan I saw was to cash the grant.

+ 1 with the Business Plan, it's a bunch to nonsense for:

a) go suck his banker or grant
b) have the opportunity to do well kiss his idea by others
c) show off with friends

BP ca is worth absolutely nothing: we can make 3 day if you want ... which never really bring back a Euro Cent ...

A financial forecast is however a little more interesting ... normally it is included in a BP ...

I do not have your experience concerning the "real" business creation but in all the projects that we set up we have preliminary studies which are similar to a Business Plan, each project being in itself a "small" company .
Personally, I do not see how someone can embark on the assembly and especially the development of a company without having a minimum thinks about:
- Its activity: it is not because we love flowers and colors that one improvises landscape;
- Its geographical area;
- Target clients;
- Its suppliers;
- Its funding: the working capital required by AMHA prime example;
- Competition;
- ....

Good continuity to all

[Christophe]

Personally, I do not see how someone can embark on the assembly and especially the development of a company without having a minimum thinks about:
- Its activity: it is not because we love flowers and colors that one improvises landscape;
- Its geographical area;
- Target clients;
- Its suppliers;
- Its funding: the working capital required by AMHA prime example;
- Competition;
- ....

I especially wanted to say is that it was not the BP to ensure the success of a company .... at least for artisans! It's not the fact that BP sale, it's well above those qu'incistent (see above) who have real experience of independence.

I believe that the "training" for the creation of a business insists on it too much, forgetting the concrete aspects of the profession ... the countless charges, the whores of competition ... for example!

[Woodcutter]

For example: Woodcutter rolls XM has 18 years !!

What we would not do to roll XM! [...]

I wonder how I should take ...