2023-08-27 18:07:00
Antonin* began to activate his network, registered on a job board while responding to advertisements on LinkedIn. After fifteen years at the head of a training company, the forty-something, father of a family, has few illusions: “She is going to disappear, he lets go without batting an eyelid. In a few weeks, it’s the end. A leap into the unknown that he finds difficult to apprehend: “Some evenings I am zen, others I am anxious, bordering on depressive. From one day to the next, I will find myself without income. »
Because the man, of a rather optimistic nature, has never taken out unemployment insurance. “In my memories, it was necessary to count between 800 euros and 1,200 euros per month, depending on the salary and the duration of compensation, he says. It was way too expensive. When you create your business, unemployment insurance is not the priority, you try to limit your fixed costs as much as possible. »
When he started, Antonin preferred to pay insurance in the event of an operating loss: “As I continued to give training, the money had to come in even if I was stuck at home because of a broken leg. I made an arbitration. »
This situation, he had not really anticipated. “In the end, everything went very quickly, recalls the business manager. Until 2018, everything was going well, we had a turnover of nearly 850,000 euros per year, regular customers, ten employees, around thirty subcontractors and several training sites in Île-de-France and in Isere. And then when the training sector was reformed, everything became uberized. Where we provided training in premises, with trained staff, we found ourselves in competition with life coaches who offered online training.
From then on the prices collapse. “The 24-hour skills assessment, billed at 2,250 euros, went between 1,200 euros and 1,500 euros, says Antonin. We had to invest in new IT tools, part with employees, eat into our cash flow and the company did not last. »
A situation that Camille knows well (the first name has been changed), the quarantine. His Ile-de-France company, created in 2009 and specializing in tertiary real estate, has seen its activity drop by around 30 to 40% since February. As a result, her cash quickly melted and she had to part with two employees in July out of the five in her company.
A situation all the more tense that if everything were to stop, like many leaders of TPE, she did not take out job loss insurance. “Already you have to contribute independently to your own retirement, to your own providence… blows the forty-year-old. Whereas it is automatic for an employee. »
“We wonder regarding your ability to receive orders”
Antonin, he considers himself rather lucky despite everything: “My wife works and even if it will be hard, I have enough to last six months, he calculated. My two associates, on the other hand, are alone and without woolen stockings. “His concern, however, his ability to find a job:” When you were a business manager, you scare recruiters. You have multiple skills, human resources, accounting, management, but without really having a specialty. Above all, we wonder regarding your ability to receive orders. »
As for imagining a new entrepreneurial adventure? “I have ideas. But not right now. When you start, you have to be able to not pay yourself for several months. It is currently impossible. »
“Unemployment insurance allowed me to make the right decisions”
A pitfall that Lionel avoided. Three years ago, this 57-year-old entrepreneur had to put an end to his first adventure as a manager. An online resale company for computer products created in 2006. “But fortunately, on the advice of my insurer, I had taken out unemployment insurance,” Lionel rejoices even today. Two years of compensation up to 70% to 80% of my salary. When you have a mortgage and a family to feed, you are serene. »
The first year allows him to digest this first failure. “The second year, I asked to receive the compensation in one go to create another business, this time of advice”, confides the manager with the commercial profile. “With hindsight, this unemployment insurance allowed me to make the right decisions. And in particular not to cling to this first company for fear of the next day”.
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