The self-employed, or rather microbusiness, is an advantageous status for declaring a small activity by limiting the administrative procedures. With just over 1,7 million micro-entrepreneurs in France in December 2019 (+ 26,5% over one year), according to the Federation of auto-entrepreneurs, the status does indeed continue to seduce. Almost half of the businesses that are created in France are micro-businesses (47% in 2019).

However, behind the apparent simplicity of the statute, the question of the liability of the self-employed entrepreneur poses a major risk which is rarely mentioned.

Unlimited liability for your business and personal property

By adopting the status of individual entrepreneur within the framework of the micro-enterprise, your liability is engaged in an unlimited way on your professional and personal assets, in particular in the event of receivership.

However, you retain protection regarding your a principal residence, elusive by right, whether it is held in full ownership, in usufruct or in bare ownership.

If you have other real estate not assigned to your activity (land or a second home for example), you can