Unexpected Financial Burden: The Troubling Aftermath of Self-Employed Aid – Revealing Inasti’s Shocking Adjustments

2023-07-21 16:58:00

The health crisis seems far behind us, quickly swept away by the war in Ukraine and the inflationary crisis, yet it has left traces for thousands of independents. We think of certain small traders, restaurateurs who have had to close for months, or even all these “contact professions”, such as hairdressers in particular.

If the crisis has hurt, the self-employed have not been left without aid. The Regions have set up aid plans via bonuses or even loans. On the federal side, it was mainly deferrals of social security contributions or other charges that were on the menu. But the most emblematic aid was the bridge right. It was a monthly replacement income of just under €1,300 for the self-employed without dependents, and which rose to over €1,600 for those with one or more dependents. We also remember that a double bridge right had been granted to certain strongly impacted professions, such as the Horeca, for example.

But, three years later, now Inasti has a bad surprise in store for hundreds, even thousands of independents. Johnatan Rooms, chartered accountant for Aderys, has experienced the case with several clients. “Excuse me for the expression, but I saw the law gateway as a con trap from the start, he says. First, because this replacement income was subject to high taxes on the next tax return. In a way, we gave with one hand and took away with the other. But a second recent problem comes to put the death blow to independents who have already suffered.

Indeed, some self-employed persons who benefited from the increased bridge right for those who had a dependent family receive a regularization which sometimes reaches more than €7,500! “In fact, there is an administrative difference between having a dependent child declared on your tax return, and having a dependent child at the mutual insurance level. Traditionally, in a married couple with children, the father and mother are each considered to have dependent children. At the mutual level, it is different. Most often, it is the mother who is considered to have one or more dependent children.

So fathers, co-parents, or independent mothers who have no dependent child(ren) at the level of the mutual are caught up by Inasti. “All of these people acted in good faith when applying for a bridge right. Application which was accepted at the time, incidentally, blows Johnatan Rooms. Several clients have contacted me lately, including a hairdresser who finds himself with €7,500 to pay when his business is not going well. For some, it’s impossible to repay because that money was used to keep the business afloat.”

The accountant does not understand why Inasti arrives with these adjustments three years later. “It looks like they are looking for money… This case is causing a lot of noise in the business and people are outraged. The con trap has become a double con trap!”

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