Samuel HAYOT
Chartered Accountant
DSN 2027 filing deadlines month by month, on the 5th or the 15th: six moved deadlines including Tuesday 18 May (Whit Monday), quarterly payment, event reports, late-filing penalties and January 2027 changes (NAF 2025, P27V01 standard).
Starting or buying a business after 50 in France: ARE and ARCE by age (55 and 57), pension quarters by status, legal retirement age after the reform suspension, assets and director pay.
Keeping a French micro-business while running an SARL or SAS is legal. Contributions in each scheme, the flat-rate tax option, thresholds, VAT and the risks when the micro-business invoices its owner's company.
Garantie Égalité Femmes (80%, €50,000 guaranteed), Wom'Energy, dedicated networks, the 2026-2028 framework agreement and self-employed maternity benefits: verified support for women founders in France in 2026.
Career change into entrepreneurship in France: capped CPF funding since February 2026, professional transition project, testing in an incubator or through wage portage, and a transition budget. The sequence to change occupation without draining your reserves.
3- or 10-minute pitch, key slides, the figures funders will check and the trick questions: how to present your project to a banker or an investor in France, who do not expect the same thing.
Business owner burnout in France: warning signs, admin workload, cash and isolation, practical levers, sickness benefits by status, income-protection insurance and support services to last the distance.
French SMEs with 10 to 50 staff: map processes, split in-house and outsourced work, choose tools for mandatory e-invoicing, fit DSN and VAT into a monthly calendar and track ten indicators.
French usury rate for Q4 2026: 19.08% for business overdrafts, the only business credit that is capped. Who is covered, the thresholds for SCIs and how to check the TEG of your credit.
Base pay, variable pay, PPV, incentive schemes, meal vouchers, health cover: how to build an SME pay policy in France, compare the real cost of each lever in 2026 and comply with the Smic and equal pay rules.
Training a successor, making the team autonomous, documenting know-how, the seller's mentoring period and the employee information rules reformed in 2026: the human side of a business handover in France.
Biowaste sorting with no threshold since 2024, 5-stream sorting extended to textiles in 2025, the 1,100-litre threshold, the 31 March certificate, the waste register, penalties and accounting for collection costs.
Tiime, Indy or Shine for a French freelancer in 2026: September prices, regimes covered (micro, form 2035, corporate tax), approved e-invoicing platform status and limits.
Evoliz, Sellsy or Axonaut: September 2026 prices, CRM, stock and cash scope, link with your accountant and approved platform status for French e-invoicing.
Spendesk, Pleo or Mooncard in 2026: public or quote-based pricing, cards, approvals, Pennylane, Sage and Cegid integrations, VAT recovery on receipts and evidential value of scans.
French statutory interest rate for H2 2026: 2.75% for business creditors, 6.84% for individuals. Choosing the rate, the 5-point increase, a worked calculation and the floor for B2B late payment penalties.
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