Biznes w Polsce

3 sposoby na uratowanie firmy w dobie epidemii

Katastrofy nic nie zapowiadało. Jeszcze parę tygodni temu kryzys w Chinach wydawał się równie odległy jak już zapomniane pożary w Australii. Zaczęło się, gdy pierwsze firmy przestały otrzymywać materiały od swoich chińskich dostawców. Potem stanął transport, turystyka i spedycja. Dziś widmo zapaści wisi nad całą gospodarką. Jakie prawne mechanizmy mogą nam pomóc w dobie kryzysu?

Renegocjuj umowy

Renegocjuj umowy! Już dzisiaj możesz skorzystać z tzw. klauzuli rebus sic stantibus czyli rzadko stosowanego przepisu, który pozwala stronom już podpisanej umowy na sądową zmianę jej treści w przypadku nadzwyczajnej zmiany stosunków społecznych. Dobrym przykładem takiej zmiany jest rozprzestrzenianie się w Polsce koronawirusa, który może w pełni uzasadniać zastosowanie niniejszej klauzuli z uwagi na istotne zmiany w prowadzeniu biznesu.

Warunkiem skorzystania jest nadmierna trudność w spełnieniu świadczenia lub groźba rażącej straty dla jednej ze stron umowy. Skutkiem zastosowania klauzuli może być rozwiązanie lub tylko zmiana umowy. Taka zmiana może obejmować odroczenie terminu, rozłożenie płatności na raty; skrócenie lub przedłużenie okresu trwania umowy.

Należy jednak pamiętać, że możliwość jej zastosowania będzie zależeć od oceny wpływu epidemii na możliwość realizowania przez firmy konkretnego kontraktu, a każdy przypadek trzeba będzie interpretować indywidualnie. Jeśli przesłanki są spełnione, należy zacząć od przedsądowego pisma do drugiej strony.

Dodatkowo, część umów zawiera dodatkowo pojęcie tzw. „siły wyższej”. Siła wyższa to wydarzenie nadzwyczajne zwalniające z odpowiedzialności za niewykonanie umowy. Nasza kancelaria już dziś dostaje od klientów zlecenia renegocjowania kontaktów w oparciu o rebus sic stantibus lub siłą wyższą.

Monitoruj wypłacalność 

Mimo złej sławy, upadłość przedsiębiorstwa to normalny etap funkcjonowania spółki i nie należy się go bać. Ogłoszenie upadłości to przede wszystkim procedura zmierzająca do oddłużenia podmiotu, który utracił płynność finansową. Co więcej, często prawidłowe ogłoszenie upadłości może chronić menedżera firmy przed odpowiedzialnością finansową czy karną.

Podstawą ogłoszenia upadłości jest niewypłacalność dłużnika gdy dłużnik (1) nie wykonuje swoich wymagalnych zobowiązań pieniężnych przez minimum 3 miesiące, (2) gdy jego zobowiązania pieniężne przekraczają wartość jego majątku, a stan ten utrzymuje się przez okres powyżej 24 miesięcy. W razie wystąpienia 1 lub 2 firma ma 30 dni na zgłoszenie wniosku o upadłość. Co istotne, jeśli firma nie ma juz środków na koszty postępowania (często kilkadziesiąt tysięcy złotych) wniosek będzie oddalony!

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Poza ogłoszeniem upadłości należy także pamiętać o restrukturyzacji. Daje ona możliwość uzyskania ochrony przed wierzycielami przez dłużnika niewypłacalnego lub nawet zagrożonego niewypłacalnością na drodze układu z wierzycielami. Prawo restrukturyzacyjne daje możliwość postępowania układowego lub sanacji. Ich wspólną cechą jest uniknięcie ogłoszenia upadłości dłużnika przez umożliwienie mu restrukturyzacji  przedsiębiorstwa dłużnika – tj. jego zobowiązań, majątku, sposobu zatrudnienia oraz zarządzania.

Chroń majątek prywatny

Oddzielenie majątku prywatnego i firmowego to jedna z zasad, które staramy się zawsze wpajać naszym klientom. Wiele firm w Polsce jest prowadzonych w formie działalności czy spółek cywilnych. Taka forma jest wyrazem optymizmu ich właścicieli, gdyż za długi firm odpowiadają swoim majątkiem. Przecież biznes zawsze wiążę się z ryzykiem, a niepowodzenie firmy nie musi być winą jej właściciela. Dobrym przykładem jest tutaj zdarzenie jakim jest obecna epidemia.

Zachowanie ścisłego rozdziału majątku prywatnego i firmowego pozwala wtedy na upadłość firmy bez bankructwa jej właściciela. Jeśli jeden z projektów nie wypali, może on skupić się na innych bez szkody dla siebie. Taki model biznesu jest standardem w krajach lepiej rozwiniętych. Tam najpopularniejszą formą firmy jest spółka z o.o., a właściciele lokują swoje prywatne aktywa w fundacjach czy osobnych spółkach. W Polsce często niepowodzenie firmy oznacza jednocześnie dramat dla jej właściciela. Nie ma złego momentu na odejście od działalności, ale może ten jest szczególnie dobry. Warto też wrócić do naszego wpisu https://abcspolek.pl/2018/06/4-najwieksze-zalety-przeksztalcenia-dzialalnosci-w-spolke/

Po kryzysie majątek prywatny może stanowić zabezpieczenie nowego biznesu. Co istotne, zaplanowanie struktury majątkowej firmy i oddzielenie jej od swojego majątku musi być zrobione odpowiednio wcześniej. Gdy firmie lub nam grozi niewypłacalność, przesuwanie majątku na rzecz innych osób może powodować odpowiedzialność cywilną (skarga pauliańska) lub karną.

Jeśli dotyczy Cię ten temat i potrzebujesz pomocy napisz do nas na office@oniszczuk.com i uzyskaj nieodpłatną poradę

 

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Maciej Oniszczuk

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  23. Cze wołają na mnie Kacper. Adwokat Rzeszów- wszystko co rozumieć powinieneń. Aktualnie moim miejscem egzystencji jest zadbane miasto Żywiec. Adwokat Rzeszów w Polsce- dłużnicy pozbywają się kolosalnych długów.

  24. Serwus noszę piękne imię Marcel. Upadłość konsumencka- jest dostępna także dla Ciebie. W tej chwili moim miejscem przebywania jest estetyczne miasto Żnin. Adwokat Rzeszów w Polsce to szansa na wydostanie się z pętli zadłużenia.

  25. Siemaneczko noszę genialne imię Olgierd. Adwokat Rzeszów przeobrazi Twoje życie. Aktualnie moim miejscem zamieszkiwania jest kapitalne miasto Zambrów. Adwokat Rzeszów w Polsce – które sytuacje trafiają do rodzimych sądów.

  26. Czółko moi rodzice dali mi na chrzcie imię Gabriel. Adwokat Rzeszów- to lek na życie bez komornika. W chwili obecnej moim miejscem bytowania jest ultranowoczesne miasto Skarżysko Kamienna. Adwokat Rzeszów w Polsce- nie trzeba mieć w zasadzie jakichkolwiek pieniędzy.

  27. Elo według dowodu osobistego moje imię to Adi. Poprzez provident konsolidacja chwilowek dopniesz miesięczny budżet. Na czas dzisiejszy moim miejscem przebywania jest znane miasto Sianów. szybka konsolidacja chwilówek w Polsce to okazja na wydostanie się z pętli długu.

  28. Dzień dobry nadano mi imię Teofil. Z moją poradą bez kłopotu zyskasz konsolidacja chwilowek online. Obecnie moim miejscem przebywania jest znane miasto Raciąż. pozabankowa konsolidacja chwilówek w Polsce a kwestia skargi pauliańskiej.

  29. Sie macie według dowodu osobistego moje imię to Sebastian. konsolidacja chwilowek bez zdolnosci- zadaj mi zapytanie, odpowiem prędko. Obecnie moim miejscem egzystencji jest zachwycające miasto Mielec. konsolidacja chwilówek w Polsce- nie musisz mieć praktycznie jakichkolwiek środków finansowych.

  30. Hajo noszę imię Boguś. konsolidacja chwilówek dla zadłużonych jest osiągalny także dla Ciebie. W tym momencie moim miejscem bytowania jest postępowe miasto Głogów. konsolidacja chwilówek online bez bik w Polsce- zestawienie statystyczne polskich kredytobiorców.

  31. Uszanowanie jestem znany pod imieniem Czarek. konsolidacja chwilowek przez internet kompletnie zmieni Twoje finanse, napisz do mnie. W tym momencie moim miejscem zamieszkania jest znane miasto Żerków. konsolidacja chwilówek online bez bik w Polsce- kiedy i na których zasadach jest realna.

  32. Halo moje imię to Teodor. konsolidacja chwilowek przez internet- nie musisz mieć majątku. Obecnie moim miejscem zamieszkania jest atrakcyjne dla studentów miasto Skarżysko Kamienna. konsolidacja chwilówek dla zadłużonych online w Polsce nie w każdej sytuacji oznacza pozbycie się zadłużeń.

  33. Graba wołają na mnie Cezary. konsolidacja chwilowek przez internet uzyskasz nawet posiadając komornika na wynagrodzeniu. Aktualnie moim miejscem zamieszkiwania jest atrakcyjne dla studentów miasto Zabrze. konsolidacja chwilówek gdzie w Polsce- koło ratunkowe dla kredytobiorców.

  34. Czołem według dowodu osobistego moje imię to Lucek. konsolidacja chwilowek online to pozytywne rozwiązanie dla Ciebie, jako doradca wiem coś o tym. Obecnie moim miejscem zamieszkania jest rewelacyjne miasto Szydłowiec. najtańsza konsolidacja chwilówek w Polsce, w jakich okolicznościach sąd przychyli się do naszego wniosku.

  35. Witam moje pierwsze imię to Franciszek. provident konsolidacja chwilowek to rzecz nad którą pracuje w tym momencie. W tej chwili moim miejscem przebywania jest innowacyjne miasto Gorzów Wlkp. konsolidacja chwilowek bez bik w Polsce- prawnik radzi jak zakończyć.

  36. Powitać noszę imię Filip. Upadłość konsumencka- pomogę Ci ją niezawodnie sporządzić. Na czas dzisiejszy moim miejscem zamieszkania jest urokliwe miasto Kołobrzeg. konsolidacja chwilówek gdzie w Polsce- w jakim okresie i na jakich zasadach jest wykonalna.

  37. Hello noszę imię Benjamin.Adwokat Rzeszów uzdrowi Twoje pieniądze a ja Ci wtym pomogę.Na czas dzisiejszy moim miejscem zamieszkania jestwiekowe miasto Mrocza. Adwokat Rzeszów w Polsce- ile syndyk będzie mi obcinał.

  38. Hi podobnie jak wybitny artysta nazywam się Dawid.kredyty i pożyczki odpowiem na każde wątpliwości z nim związane.W tym momencie moim miejscem egzystencji jesturokliwe miasto Czeladź. Upadłośćkonsumencka w Polsce- zrób w tym momencie i wyjdź z pętli obciążeń.

  39. Sie macie możecie mi mówić Kazik.kredyty i pożyczki powiem Cijakie okoliczności musisz spełnić.W tym momencie moim miejscem egzystencji jestprzecudne miasto Piotrków Trybunalski.Adwokat Rzeszów w Polsce- zestawienie statystyczne polskich kredytobiorców.

  40. Siemaszka jestem znany pod imieniem Sylwester. Kredyty pozyskasz nawet w 15 minut. Obecnie moim miejscem egzystencji jest fantastyczne miasto Szydłowiec. Kredyty w Polsce- na ogół popełniane błędy przez zadłużonych.

  41. Hi możesz mi mówić Norbert. Kredyty jeszcze nigdy nie był tak łatwy w uzyskaniu. Aktualnie moim miejscem zamieszkiwania jest czyste miasto Zabrze. Kredyty w Polsce- w jakim okresie i na których warunkach jest realny.

  42. Siemaneczko nadano mi imię Przemysław. Kredyty uzdrowi Twoje finanse a ja Ci w tym pomogę. Aktualnie moim miejscem przebywania jest wielowyznaniowe miasto Ełk. Kredyty w Polsce- kto płaci za robotę syndyka.

  43. Helloł noszę urzekające imię Kornel. Kredyty- tak napisz do mnie we wiadomości. Obecnie moim miejscem zamieszkania jest zadbane miasto Oświęcim. Kredyty w Polsce- wzór wniosku do sądu.

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