Sometimes the salary from one job alone is not enough. Sometimes, it is the desire to start a business quickly or to continue to be active in society that pushes young people and seniors towards self-entrepreneurship. But are these statuses cumulative? And what are the restrictions imposed or the obligations of this combination? This obviously does not take into account the obstacles that can sometimes arise in the face of the self-entrepreneur candidate. It is these answers that this article attempts to provide.
In general, nothing prevents an employee from becoming self-employed. However, you have to follow some rules.
This accumulation of activities explicitly prohibits certain things:
When one is a student, one does not always have the possibility of living on the savings of the parents. In addition to the student job, the status of auto-entrepreneur can be very interesting! Mainly because it allows you to manage your schedule like a freelancer. Between two lessons, after lessons or on weekends. You are not bound by a fixed employer.
What’s more, the academic year is punctuated by stressful periods during which one can then suspend one’s activity in a micro-enterprise.
This status is particularly interesting, because it also meets the needs of certain platforms that offer one-time missions . For example: delivery platforms, etc.
Just because you’ve just finished a long career doesn’t necessarily mean you want to hang up. Sometimes, we still want to keep a minimum professional activity. OR simply build up a pension supplement to make ends meet. The status of auto-entrepreneur is there for that.
Be careful however, the accumulation of income can be total or partial !
Indeed, to obtain a total accumulation, it is necessary to benefit from a retirement with full rate (to have contributed the number of quarters required or to have reached the age of the retirement with full rate) or to liquidate the basic or complementary pensions.
Apart from these cases, the accumulation of income is only partial. In other words, the micro-entrepreneur does not receive all of his income (from the pension).
What’s more, the system fluctuates depending on the plan, whether you come from the private sector, the public sector or whether you have never been an employee!
Finally, it is important to emphasize that there is a ceiling on income. It is limited to 50% of the annual social security ceiling (PASS). This corresponds to €20,568 in 2021. It is doubled for an activity in a rural revitalization zone and in priority urban zones.
Be careful , because if the ceiling is exceeded , this directly impacts the payment of the retirement pension!
To avoid any risk of losing part of your right to a retirement pension, it is better to get advice from professionals. There are companies specializing in the creation of micro-enterprises. https://hellomybusiness.fr/devenir-micro-entrepreneur/ is a good starting point for people wishing to take up this type of challenge!