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Old 03.09.2007, 17:32
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moving from employed to self-employed

Hi,

Its a long story, but after being employed for about 3 years by a big corporate in Lausanne, I have left to form a new company in Switzerland. Now while I am working on my business plan and undertaking market research (which could take 6 months or so) I plan to undertake some consultancy work for various Swiss organisations, and also attend a part time Masters course at EPFL. During this time I will be effectively self employed.

Stupidely I assumed I could just go ahead and do this (my wife works in Switzerland, we are both from the UK and have B permits until end of 2010) but today I talked to my insurance agent who reeled off a list of things that I should do. Now I took these with a pinch of salt as he is not exactly inbiased but nevertheless So my questions are:

- if someone transitions from being employed to 'self employed' (even with a zero new salary) do they need to register with any of the authorities - in particular is there any change needed to my B permit? I've made enquiries about this before and been told that this should not be a problem, as my wife works here and that whan I have a business plan I should present it to the local commune and they will rubber stamp my permit. This is fine, but just wondering if there is anything else?

- are there any implications with regards the AVS etc - do I need to continue to pay any contributions, or are all these at my discretion? If so, is there a base amount which needs to be paid?

- do I need to register the fact I'm self employed?

Thanks for your help.

Patrious
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Old 03.09.2007, 18:21
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Re: moving from employed to self-employed

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Hi,

Its a long story, but after being employed for about 3 years by a big corporate in Lausanne, I have left to form a new company in Switzerland. Now while I am working on my business plan and undertaking market research (which could take 6 months or so) I plan to undertake some consultancy work for various Swiss organisations, and also attend a part time Masters course at EPFL. During this time I will be effectively self employed.

Stupidely I assumed I could just go ahead and do this (my wife works in Switzerland, we are both from the UK and have B permits until end of 2010) but today I talked to my insurance agent who reeled off a list of things that I should do. Now I took these with a pinch of salt as he is not exactly inbiased but nevertheless So my questions are:

- if someone transitions from being employed to 'self employed' (even with a zero new salary) do they need to register with any of the authorities - in particular is there any change needed to my B permit? I've made enquiries about this before and been told that this should not be a problem, as my wife works here and that whan I have a business plan I should present it to the local commune and they will rubber stamp my permit. This is fine, but just wondering if there is anything else?

- are there any implications with regards the AVS etc - do I need to continue to pay any contributions, or are all these at my discretion? If so, is there a base amount which needs to be paid?

- do I need to register the fact I'm self employed?

Thanks for your help.

Patrious
There are various things you need to do but I guess these are best answered as follows:
If you are self-employed you need to register your AVS/AHV at the local commune. They will stamp it and then you are due to pay a percentage of your income to them. Yes there is a minimum I think last time I looked it was SFr. 492 but it could well be more.

You also need to have Accident insurance.

As far as must haves ie mandatory that is it. There are several other insurances that might apply such as a business risk insurance in case you royally F**K up, top insurances for Invalidity, etc. Your B permit is not an issue as you are a UK citizen. This is assuming there are no restrictions attached to it and if there are the commune can sort that out.

In summary you are able to do what you want so make sure you don't cock it up by not getting the red tape sorted out.
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Old 03.09.2007, 18:38
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Re: moving from employed to self-employed

Just so you know, if you register as self employed this will affect your unemployment benefits. I think you get three months unemployment, but then it stops (ie. you don't get your full 18months).

If you decided to go the unemployment route (from your other post), you should ask for classes on how to start your own business/be self employed.
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Old 03.09.2007, 18:59
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Re: moving from employed to self-employed

Thanks for the responses. Richard is the CHF492 minimum on a monthly or anual basis - I think I know but just want the bad news confirmed ...

miniMia, thanks for the tip. I'll check on the courses as this could be a good route for me. Another question I have is what constitues self employed status. Certainly in the first few months the bulk of my time will be spent on non-income generating activities, and attending a part time course at EPFL. Does this make me a part time student and part time unemployed (I checked and I know the employment office reduces the benefit if you're not available for work) or is self employed really the way to go.

Certainly from my point of view, I think I am tempted to just go the self employed route, but nevertheless would be interested in any impact my part time student status might have.

patrious
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Old 03.09.2007, 21:15
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Re: moving from employed to self-employed

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Thanks for the responses. Richard is the CHF492 minimum on a monthly or anual basis - I think I know but just want the bad news confirmed ...
Annual.

Quote:
miniMia, thanks for the tip. I'll check on the courses as this could be a good route for me. Another question I have is what constitues self employed status. Certainly in the first few months the bulk of my time will be spent on non-income generating activities, and attending a part time course at EPFL. Does this make me a part time student and part time unemployed (I checked and I know the employment office reduces the benefit if you're not available for work) or is self employed really the way to go.

Certainly from my point of view, I think I am tempted to just go the self employed route, but nevertheless would be interested in any impact my part time student status might have.

patrious
Ah... the implication is that you cannot be both a student and get unemployment.
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Old 03.09.2007, 23:19
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Re: moving from employed to self-employed

Shorrick Mk2, thanks for your comments - and I thought it was per month; thats quite a relief

Patrious
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Old 03.09.2007, 23:32
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Re: moving from employed to self-employed

If you resigned your position, as far as I know you can't claim unemployment allowance right away - there is a long waiting period...

Regards,

Jim
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Old 26.05.2008, 22:08
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Re: moving from employed to self-employed

I hope Richard will be able to answer my question, which I have posted elsewhere, and now realise it should have been here.

If you live in Geneva, and wish to declare yourself as self employed, how do you go about it?

I make a small amount of money off an editing job I have, for which I think I have to declare myself as self employed.

I also have a half time job where I am employed.

For the former, I have reached the amount( not much) that I can get away with not declaring, and now need to move to self employed, or stop doing the editing work.

Whilst I very much enjoy the work, and like the idea of doing some work at home, I have to consider how much it is going to cost me.

Look forward to your reply. Thanks.

Jen
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