{"id":968,"date":"2021-02-24T22:39:53","date_gmt":"2021-02-24T21:39:53","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/protection-entre-associes-et-partenaires-professionels\/"},"modified":"2021-03-26T16:32:08","modified_gmt":"2021-03-26T15:32:08","slug":"protection-entre-associes-et-partenaires-professionels","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/onze-producten\/s-assurer\/couverture-deces\/Information\/protection-entre-associes-et-partenaires-professionels\/","title":{"rendered":"Protection entre associ\u00e9s et partenaires professionnels"},"content":{"rendered":"<p>Dans le cas o\u00f9 une soci\u00e9t\u00e9 est g\u00e9r\u00e9e par <strong>plusieurs actionnaires<\/strong>, le d\u00e9c\u00e8s de l\u2019un d\u2019eux peut \u00eatre tr\u00e8s pr\u00e9judiciable pour la bonne \u00e9volution des affaires. Les actions du d\u00e9funt vont vers ses h\u00e9ritiers ce qui peut causer des tensions.<\/p>\n<p>Diff\u00e9rentes possibilit\u00e9s existent pour devancer ces probl\u00e8mes\u00a0:<\/p>\n<ul>\n<li>R\u00e9diger <strong>une convention entre actionnaires <\/strong>comprenant les modalit\u00e9s claires \u00e0 mettre en place en cas de d\u00e9c\u00e8s comme par exemple une option d\u2019achat sur les parts du d\u00e9funt. Les autres actionnaires ont ainsi la possibilit\u00e9 d\u2019acqu\u00e9rir les parts du d\u00e9funt en priorit\u00e9 selon des modalit\u00e9s pr\u00e9vues \u00e0 l\u2019avance.<\/li>\n<li>Ce rachat peut se r\u00e9aliser \u00e0 la condition d\u2019avoir l\u2019argent pour racheter les parts, ce qui peut \u00eatre pr\u00e9vu via <strong>une assurance-d\u00e9c\u00e8s<\/strong> :<\/li>\n<\/ul>\n<p><strong>1. \u200b\u200b<span style=\"font-size: 13px;\">Assurance dirigeant d\u2019entreprise<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-size: 13px; letter-spacing: 0.025em;\">Preneur d\u2019assurance = Soci\u00e9t\u00e9<\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">Assur\u00e9 = Dirigeant de l\u2019entreprise<\/span><\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">B\u00e9n\u00e9ficiaire = soci\u00e9t\u00e9<\/span><\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">La prime est d\u00e9ductible en soci\u00e9t\u00e9. Le versement de l\u2019indemnit\u00e9 en cas de d\u00e9c\u00e8s a lieu dans la soci\u00e9t\u00e9 et est donc taxable.<\/span><\/span><\/li>\n<\/ul>\n<p><strong><span style=\"font-size: 13px; letter-spacing: 0.025em;\">2. \u200b\u200b\u200b<\/span><\/strong><span style=\"font-size: 13px;\"><b style=\"font-size: 13px;\">Couverture <\/b><span style=\"font-size: 13px;\"><b>d\u00e9c\u00e8s<\/b><\/span><b style=\"font-size: 13px;\"> prise par un des associ\u00e9s sur la t\u00eate d\u2019un autre associ\u00e9<\/b><span style=\"font-size: 13px;\"> (<\/span><strong style=\"font-size: 13px;\">assurance-vie priv\u00e9e non fiscale<\/strong><span style=\"font-size: 13px;\">)<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">\u200b\u200b\u200b<span style=\"font-size: 13px;\">Preneur d\u2019assurance= Associ\u00e9 A<\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">Assur\u00e9= Associ\u00e9 B<\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">\u00a0B\u00e9n\u00e9ficiaire= Associ\u00e9 A<\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">La prime doit \u00eatre pay\u00e9e en priv\u00e9 mais le versement du montant en cas de d\u00e9c\u00e8s est non taxable et n\u2019engendre pas de droits de succession (Preneur = b\u00e9n\u00e9ficiaire)<\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><strong style=\"letter-spacing: 0.025em;\"><span style=\"font-size: 13px;\">3. Engagement individuel de pension<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">Preneur d\u2019assurance = Soci\u00e9t\u00e9<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">Assur\u00e9 = Dirigeant de l\u2019entreprise<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\"><span style=\"font-size: 13px;\">B\u00e9n\u00e9ficiaire = Famille du dirigeant<\/span><\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p>Contactez-nous pour un conseil sur mesure dans votre situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans le cas o\u00f9 une soci\u00e9t\u00e9 est g\u00e9r\u00e9e par plusieurs actionnaires, le d\u00e9c\u00e8s de l\u2019un d\u2019eux peut \u00eatre tr\u00e8s pr\u00e9judiciable pour la bonne \u00e9volution des affaires. Les actions du d\u00e9funt vont vers ses h\u00e9ritiers ce qui peut causer des tensions. Diff\u00e9rentes possibilit\u00e9s existent pour devancer ces probl\u00e8mes\u00a0: R\u00e9diger une convention entre actionnaires comprenant les modalit\u00e9s [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":675,"menu_order":6,"template":"","class_list":["post-968","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Protection entre associ\u00e9s et partenaires professionnels - Couverture d\u00e9c\u00e8s<\/title>\n<meta name=\"description\" content=\"Prot\u00e9gez vos associ\u00e9s ainsi que vos partenaires professionnels via une couverture d\u00e9c\u00e8s l Demandez votre RDV Gratuit - MySavings\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/onze-producten\/s-assurer\/couverture-deces\/Information\/protection-entre-associes-et-partenaires-professionels\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protection entre associ\u00e9s et partenaires professionnels - 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