COVID-19 – Our practical guide for companies in crisis/ Update to 31.12.2020
Instructions can be found on your canton’s dedicated page. This article does not purport to replace the complete information contained therein, but merely provides a brief summary and our advice.
For your employees:
Complete the Partial Unemployment (RHT) application forms as instructed. Note that RHT are no longer applicable for managers of companies (SA/Sàrl) who have to request the APG.
Requests are now made on work.swiss
Self-employed and business leaders:
You will have to contact your AVS fund. Measures are in place to support affected individuals through APG with retroactive effect from September 17, 2020 to June 30, 2021. The beneficiaries are the self-employed and managers whose company:
– must close due to cantonal or federal decisions (for example restaurants)
– suffered losses due to cancelled events (event)
– has a monthly turnover at least 55% lower than the average of the last 5 years (or from the beginning if shorter) note that the calculation of the allowance is in proportion to the loss. This threshold rises to 40% as of 19 December.
Some cantonal measures are in place and differ from one canton to another. We strongly advise you to inform yourself.
Need for liquidity:
Loan guaranteed by the confederation ended on 31.08.2020.
If necessary, we invite you to contact your bank or fiduciary to find solutions. Indeed, depending on the health of your company before the crisis, it may be possible to find a solution at that level.
– Pay your employees and payroll taxes in the first place;
– Encourage dialogue with your creditors, including your landlord. Push deadlines if necessary;
– Keep in mind that some creditors will be required to grant you time limits under certain conditions, others will not;
– Adjust your tax or payroll tax deposits on a case-by-case basis.
Our crisis management tips:
– Encourage discussion and avoid litigation that will waste your time and energy;
– Try to step back and consider that there is a general tension in times of crisis;
– There are no creditors. Don’t forget your employees and customers;
– Opt for a real-time accounting system that allows you to better manage, rather than doing everything after the fact.
– Update your administration. Don’t give up and stay on mail.
– Make a situation check and develop your strategy to bounce back, for example using a business plan model; be creative.
– Stay fit, take time for yourself to keep your energy going for the long term and keep yourself healthy, make sure your employees do the same.
– Consider all alternatives to take action (including temporary or permanent cessation). Don’t risk personal over-indebtedness.
– It is quite possible to be independent or to have a company, and to work as an employee in parallel (we would remind ourselves of this because the question has been asked several times).
Of course, we remain at the entire disposal of our customers to support them during this complicated period.