Not sure if this is the right place to ask this question but here goes, back in the uk my wife ran a small cleaning business, we both came to France to retire and enjoy life but since a few people have learnt of her previous life offers have come in of work ie cleaning, change overs its not a lot so is it going to be worth it, friends, doom and gloom, who still owe the uk inland revenue have been telling her she must register and pay all taxes, although they never did ,income would be very little, what and where would we have to register would it be worth while for about 100€ per week to start off, it was straight forward in the uk plus she was more admin now she would be doing the work with me helping as and when, it would appear most cleaning is done on a cash basis
We still get cheque books for CESU, which we used to pay our cleaning lady. We bought the CESU through my husband's employer though so maybe they're less available generally.
child minding would be fairly well regulated and i understand you have to be registered and authorised with the the appropriate qualifications so its maybe not something you could do quickly.
Cleaning jobs are always on pole emploi or le bon coin and the rate of pay to you tends to be around 9.43 per hour with the employer paying the cotisations on top.
Home help jobs are advertised in much the same way and pay the same but perhaps you would need very good french and some qualification etc.
you can be registered as AE and do your own work as well as work for someone else.
Steve
Hello Sonia. I am an employer and I have 2 girls who work for me during the summer months cleaning on a contract basis. I pay them Euro 11 per hour and then I pay TESE their cotisations on top of this. It works out that I pay around Euro 19.50 per hour (their wage + cotisations). My employees do nothing, I register them to work with TESE, (start and end date), give them the monthly hours worked and then they deduct their cotisations direct from my bank account, this is all done online. Of course this is for employees that have no siret number as they are not auto entrepreneur and they can work legally. I am no expert on Auto Entrepreneur, but there is a group on here dedicated to this subject which I suggest you join, as if you want to start your own business and work for several clients, then this will probably be your best route. For me as an employer, I would prefer to employ a cleaner on AE as it would be much cheaper for me and so much less paperwork. Hope this helps.
Hello Everyone
I wonder if I may join in on this thread? I am new to SFN, so only just finding my way around the site. I have found various posts regarding CESU & TESE, but some are outdated and others talk about employing via CESU but I would like some advice on being an employee via CESU/TESE.
I am looking for work in cleaning, home help, child minding.
My first question is: What is the difference between CESU & TESE?
Also, I have looked at the official CESU/URSSAF site, but can only find information for employers and not employees. I presume I need to register somehow/somewhere to work under the CESU/TESE regime?
Would I need to take out some sort of liability insurance?
If working via CESU, you can have more than one employer can’t you?
Any information would be appreciated
I apologise if I’m going over old ground again, if the details are already here somewhere would someone pass a link on please.
Many thanks
The French say Cinquante Cinquante. 50% on books 50% cash!
The sad part about this is most of the clients are French and they think its perfectly ok, its normal they say
I think the project is a none starter we put it to the clients and to a man or woman they all said forget it if you go down that route, cash in hand or nothing plus its a good 45 min travel, its all holiday homes so very seasonal to be honest neither my wife or myself want the agro we both ran small companies in the uk engineering and cleaning so enough is enough i have plenty to do at home as does my wife
Update to Liz's reply - they don't issue cheque books anymore. It is all done on line by the employer - cheque d'emploi is CESU. The employer pays you direct and then makes a declaration. CESU sends you a copy of the declaration so you know it has been done above board. Keep the déclarations so you can cross reference with the tax declaration.
What about requesting cheque d’empoi as a payment? If this is still going it allows the house owner buy a book of these cheques and pay your wife by cheque and there is an admin charge levied when the cheques are bought so that the appropriate social charges are paid by the employer
John I use CESU (presume it is the same as TESE). My clients pay the rate I quote then they also pay my cotisations. At year end I get my tax form with all the CESU payments listed and Hotel d'impôts calculate any tax I owe. You can use CESU for offering general handyman/gardening servies, cleaning, soutien scolaire, childcare etc. My clients pay my travel expenses and provide the things necessary to undertake the job (so cleaning would be Hoover, cleaning products etc.). It works well for me and I have about 9 clients who use this system for me teaching their children English. 5CESU - Cheque Emploi Service Universal)
AE is the answer
admin is a piece of cake once you are set up , plus you get the carte vitale as part of the deal.
24% cotisation payable quarterly in arrears so you have to add this to the rate of pay you want to earn from the client.
my advice would be avoid changeovers / gite work if poss unless they are willing to pay correctly !
PM me if you like for info.
Steve
I totaly agree working on a cash in hand basis puts everyone at risk for a variety of reasons, i fear its not gong to be worth the hassle as so many are working here for 10€ per hour two people have already said anymore than 10€ forget it, so i think we will, we came here to retire so why give ourselves the aggro
Sandra has given great advice. Do not do it on a cash basis, it will not make you any friends and is very simple under TESE or Autoentrepreneur, giving you and your clients full protection.
She should register and not work on a cash basis. All the cleaners I have working for me are registered with TESE, so I pay them an hourly rate of Euro 11.00 and then I pay their cotisations on top of their hourly rate direct to TESE/URSSAF. I end up paying just under Euro 20 an hour per cleaner. As it is only Summer work and they do not have any other work, this is the easiest way as I pay all their charges and it is all legal. A different story if you want to set up and work for yourself with various clients, then I suggest Auto Entrepreneur which from what I gather seems pretty easy to set up. Please do not work on a cash basis, otherwise it puts people like me out of business and also you have to think about what happens if your wife has an accident whilst cleaning, she could get into deep trouble, along with the person who employs her/pays her cash. Hope this helps.