They too are on the front line. Solicited by companies during this period of containment, the accountants call for the conditions for granting State guaranteed loans (PGE) to be widened. Out of the € 300 billion envelope dedicated to them, more than 43 billion in loans were disbursed to 281,000 companies. But on the ground, benefiting from the EMP is always an obstacle course.
Response times from banks "too long", requested documents "too numerous and heterogeneous between banks and even between regional mutuals" with requests for certification, intermediate situations, cash forecasts impossible to predict ... A headache for business leaders and their chartered accountants, alerts the Federation of Chartered Accountants and Auditors of France (ECF). "And if a customer has several banks, he will have to respond to different requests, it doesn't make sense!" “, Alarmed Jean-Luc Flabeau, its president.
Faced with such feedback, the Federation launched its own observatory to follow up on refused files. On its first 200 responses, the results are alarming: "For 92.9% of chartered accountants, the rejection by the bank of the PGE request is not justified, worries the professional. Too many are still in arrears! "
"So does the economic fabric of France"
"We feel the will to act of the government but that is not enough", he worries with reference to the recent relaxation of the conditions of access to EMPs. "They are now open to all companies, except those whose backup or recovery plan has not been approved by a court," he said. But it is still necessary that the "banks play the game more" and that the government quickly corrects the situation to better help VSEs. "Even if they are the first beneficiaries of the EMPs as indicated by Bercy, too many VSEs are suffering when they have a vital and urgent need, insists the president of the Federation. So does the economic fabric of France ”.
The Federation proposes two tracks of "correction". First, by guaranteeing loans to VSEs at 100% and not 90%, as is the case in Germany. "The banks would keep their appreciation of the risk and the possibility of refusing a loan but would be freed from the 10% of risk which sometimes slow them down in their acceptance", estimates Jean-Luc Flabeau. Then, by increasing the basic compensation of the Solidarity Fund dedicated to VSEs and the self-employed. This amounts to 1500 euros (Editor's note: up to 5000 euros if they are threatened with bankruptcy) in the event of a fall of more than 50% of their monthly turnover.
“Even if efforts are made by Bercy, it is not enough, insists the expert. Applications should be simplified so that the greatest number of VSEs benefit from them. And once again take inspiration from our German neighbor who grants, within two days, 9,000 euros to companies with up to 5 employees and 15,000 euros for those between 5 and 10 employees. "
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Amounts and a delay without common measure with French practice even if the Minister of Finance Bruno Le Maire announces this Friday to double the ceiling for businesses in the hotel and catering industry (Editor's note: 10,000 euros maximum compensation for those up to '' to 2 million euros in annual turnover) . "It is still necessary to simplify the procedures so that the largest number of very small businesses benefit from it and as quickly as possible because we are already starting the April pay period", insists Jean-Luc Flabeau.
For Sandrine Legrain, head of a service company in Vern-sur-Seiche (Ille-et-Vilaine), near Rennes, the countdown has already started. It filed its request on March 31 after a loss of 70% of its turnover. "Since I wait, I see myself sinking ... Like many, my compensation has been rejected by computer and must be processed manually," she said. These 1500 euros must allow him to pay his late March charges (rent, suppliers). "But impossible to pay me and therefore to live," she worries.
