for very small companies, the specter of an financial crash take a look at after the summer time


TPE suffered a pointy drop in exercise throughout confinement, which weakened a few of them. Assembly with entrepreneurs from Reims (Marne), who clarify their difficulties and their worry of the approaching months.

“As you may see, there aren’t a variety of calls this morning.” All 12 months spherical, Michaelle Yankov and her husband import porcelain for lodges, cafes and eating places. However since mid-March, they principally drank the cup. In the course of the containment because of the Covid-19 pandemic, the month-to-month turnover of the corporate Import CHR was divided by 4, going from 125,000 to 30,000 euros. At this price, this firm based mostly in Saint-Brice-Courcelles (Marne) would in all probability not have survived for a number of extra months. The exercise lastly restarts firstly of July, however it’s largely a “fictional rebound”, explains the entrepreneur, who particularly honors “March orders”.

Michaelle Yankov within the workplace of her porcelain import firm, on July 2, 2020, in Saint-Brice-Courcelles (Marne). (FABIEN MAGNENOU / FRANCEINFO)

As a result of emergency financial measures put in place by the general public authorities, France has not but skilled a wave of small enterprise failures. However the “battle” has simply begun for Michaelle Yankov’s enterprise. Its money circulation has already melted by 40% throughout the disaster and this slimming program may proceed. “For instance, we have to add three months of labor to personalize our imported mugs. In whole, the disaster may subsequently have longer results, over six months, with out counting the month obligatory to acquire cost.” For her as for therefore many others, fall would be the season of testing.

We made tables, fashions, we referred to as the accountant, then the tax middle to pay the VAT in a number of installments… On this take a look at, we appear to be a little bit shell on a raging ocean.Michaelle Yankov, Director of Import CHRat franceinfo

In whole, 10,225 of the 20,667 corporations within the Marne division have fewer than ten workers. This financial cloth is now topic to a cascade impact between weakened clients and suppliers who’re demanding cost of their invoices. “The dishes is not going to essentially be the primary funding of restaurateurs, who will want to go to the fundamentals”, feedback Michaelle Yankov, whose exercise relies upon not directly on the frequentation of bars and eating places. “There may be nonetheless a variety of concern amongst shoppers, even when the masks enters the customs. We rely on consumption and choices of the summer time.”

With the deconfinement, in truth, the financial disaster has modified its face. “The causes of the autumn in exercise are altering and description the transition from a well being shock to a requirement shock”, famous the Dares in its final investigation. Regardless of a transparent rebound when the containment got here out in mid-Might, family consumption of products remained in June beneath its February degree (-7.2%), stated INSEE for its half.

In order that’s the large query: will the French eat? Nicolas Bibaut, a Reims florist on avenue Jean-Jaurès, is at his work behind the shop. He nonetheless remembers the containment announcement on March 16 – “at eight p.m. for closing from midnight” – and all of the flowers thrown within the dumpster or distributed to merchants … Right now, “after a superb Mom’s Day, which additionally saved me, it is the flop once more”. He can’t depend on weddings, all of them canceled. Solely two of the ten shoppers deliberate returned for small-scale civil ceremonies. “I stay optimistic, however the subsequent few months shall be tough.”

Within the meantime, he’s holding on. “Once I examine with different international locations, I inform myself that we have been quite nicely supported.” Nicolas Bibaut notably benefited from help of 1,500 euros per 30 days from the solidarity fund, a lift reserved for corporations with at the very least one worker and whose turnover fell by at the very least 80% in comparison with final 12 months. He additionally obtained a state assured mortgage (PGE) of 25,000 euros, on the recommendation of his accountant. “It is actually reluctant, as a result of I used to be simply going to be carried out with credit in a 12 months.” He solely used a part of the sum, for rents and salaries.

Florist Nicolas Bibaut in the back room of his shop, on July 2, 2020, in Reims (Marne).
Florist Nicolas Bibaut within the again room of his store, on July 2, 2020, in Reims (Marne). (FABIEN MAGNENOU / FRANCEINFO)

“The EMP is a short-term breath of recent air for money, however eventually we should repay this mortgage”, certainly insists Bertrand Duc, head of communications on the Marne Chamber of Commerce and Trade (CCI). The necessity for liquidity was the principle problem encountered by the contractors throughout the containment. Unsurprisingly, 60% of the 1,500 calls obtained by the CCI disaster unit involved questions of treasury, far forward of social and human assets themes (30%) and rules (10%).

Found on the professional account, problem paying a provider or an worker … We should react instantly and never say that it will likely be higher in two months. Treating an issue proper from the beginning can cease the bleeding.Bertrand Duc, communications supervisor of the CCI de la Marne at franceinfo

The bosses most affected also can search recommendation from a prevention committee for corporations in problem, however this method, run by enterprise leaders, continues to be struggling to search out its viewers. Sadly, the entrepreneurs within the worst form “are both in denial or worry outdoors eyes”, continues Bertrand Duc. “These are typically difficult human conditions.” As well as, in mid-Might, practically 17% of the 25,000 entrepreneurs interviewed by the Nationwide Confederation of Very Small Enterprises (CNTPE) claimed to be on the verge of chapter.

Regardless of these alarming alerts, it’s nonetheless early to measure all of the financial penalties of the pandemic. “We’re in a really sturdy state of fear, as a result of a part of the native financial system is at risk of disappearing, estimates Jean-François Ferrando, president of the CNTPE. This subsequent difficult interval may begin in September and proceed till December. The primary alert to look at for shall be layoffs. “

If the partial unemployment scheme has relieved companies, Michaelle Yankov and her husband nonetheless negotiated a contractual break with one among their workers. “A heartbreak, humanly. However we’d not be capable to pay a future redundancy bonus.” Nicolas Bibaut, he has not renewed a younger girl in CAP. The disaster was “one of many parts” who motivated his selection. To stem this anticipated dip within the job market, the Info Middle for the Prevention of Enterprise Difficulties (CIP) calls for, for instance, exemptions from employer prices the primary 12 months after hiring.

“In the course of the disaster, we needed to diversify, search for one thing else”, explains Mathieu Aubert, from La Bouquine, a Reims craft brewery that employs 4 folks. Earlier than the disaster, 85% of its turnover was linked to the exercise of cafes, lodges and eating places. Consequence of the weeks of closure of those institutions? A lower of 68% the primary month and 52% the second. However the brewer stays optimistic, even when it means viewing the disaster as a chance. “I went to search for markets within the distribution and within the quick circuits”, together with the event of a tasting showroom. The boss even plans to rent two CDDs, one among which might be transformed to CDI within the quick time period.

Jean-François Blanchard in his textile flocking business, July 2, 2020, in Reims (Marne).
Jean-François Blanchard in his textile flocking enterprise, July 2, 2020, in Reims (Marne). (FABIEN MAGNENOU / FRANCEINFO)

Exercise additionally began up once more at Jean-François Blanchard, who additionally produced the La Bouquine barcodes for supermarkets. After the “chaos” preliminary, the chief of Customized Workforce, a textile flocking firm, began importing masks on the finish of April, because of a pal’s tip. Outcome? “4 weeks of labor” which undoubtedly saved him the day. With the return of the textile exercise, its order ebook begins to refill. However he will be unable to depend on summer time occasions, most of that are canceled as a well being precaution.

In June, I needed to do all of the merchandising and the store of the Artwork and Jazz competition of Hermonville. I additionally work with the athletics membership, however there shall be no membership competitors… I do not know what tomorrow shall be like.Jean-François Blanchard, director of Customized Workforceat franceinfo

After having benefited from the help of 1,500 euros from the solidarity fund, Jean-François Blanchard obtained from his financial institution a six-month postponement for the month-to-month funds of the credit score of his premises. He didn’t should pay employer contributions throughout the confinement, however the Urssaf deliberate to gather them once more from July 20, with a catch-up of the sums due. Even whether it is doable to regulate the schedule to consider the drop in earnings, Jean-François Blanchard is already below strain as a result of his turnover stays 1 / 4 decrease than final 12 months. “If I haven’t got sufficient exercise, then I’ll not be capable to afford it.”

During the confinement, Urssaf postponed its monthly deadlines. But Jean-François Blanchard will have to make up for the sums starting in July.
In the course of the confinement, the Urssaf postponed its month-to-month deadlines. However Jean-François Blanchard should meet up with the sums from July. (FABIEN MAGNENOU / FRANCEINFO)

That is the rationale why Jean-François Ferrando, of the employers’ union CNTPE, demanded a “white interval” three months, with an exemption from social safety and employer contributions. Monday, June 29, Secretary of State Agnès Pannier-Runacher partially acceded to those calls for, opening the door to a cancellation of employers’ social safety contributions.

Will this effort suffice? “The subsequent faculty 12 months may be very dreaded”, eludes Nicolas Bibault, the Rémois florist, particularly since this era is historically hole. “If it would not begin once more, I do not see how we’ll do it. And naturally, if there was a brand new containment as a result of one other wave, we would not get better.” By his aspect, his worker, Patricia Varoquier, teases him and replies that in any case, it “would trip” earlier than his “future retirement” worker. Then, for a second, the florist of a lifetime falls on a thorn. “It will nonetheless be silly to finish my profession like this, on an financial layoff.”

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