Chikumbiro chekubhuroka chishandiso chine simba chekuunganidza zvikwereti. Kana munhu ane chikwereti akasabhadhara uye chikumbiro chisina kupokana, chikumbiro chekubhuroka chinogona kushandiswa kuunganidza chikumbiro nekukurumidza uye zvakachipa. Chikumbiro chekubhuroka chinogona kumisikidzwa kungava nemukumbirwi pachayo chikumbiro kana pachikumbiro chemumwe kana vanopfuura vakweretesi. Kana paine zvikonzero zvekufarira veruzhinji, Hofisi yeMuchuchisi weParuzhinji inogona zvakare kufaira kubhuroka.
Nei munhu anoita chikwereti faira rekubhanga?
Kana mukwereti wako akatadza kubhadhara uye zvisingaratidzike sekuti invoice yauchapihwa ichabhadharwa, unogona kubhadharira mukwereti wako kubhuroka. Izvi zvinowedzera mukana wekuti chikwereti (chikamu) chibhadharwe. Mushure mezvose, kambani iri mumatambudziko emari nguva zhinji ichine mari mukati, semuenzaniso, mari uye zvivakwa. Muchiitiko chekubhuroka, zvese izvi zvinotengeswa kuti zviitwe mari yekubhadhara ma invoice asara.
Chikumbiro chekubhuroka chemukwereti chinobatwa negweta. Gweta rinofanira kukumbira dare kuti ritaure kuti munhu ane chikwereti chako haana mari. Gweta rako rinoendesa izvi nechikumbiro chekubhuroka. Muzviitiko zvakawanda, mutongi achasarudza zvakananga kudare kana mukwereti wako anzi haana mari.
Unonyora rini?
Unogona kutumira kubhuroka kana iwe uine chikwereti:
- Iine zvikwereti zviviri kana kupfuura, 2 yainofungidzirwa (iyo nguva yekubhadhara yapera);
- Ane 2 kana anopfuura evakweretesi; uye
- Ari mumamiriro ezvinhu aakarega kubhadhara.
Mubvunzo waunowanzonzwa ndewekuti kana application yekubhuroka ichida inopfuura mumwe mukweretesi. Mhinduro ndeyekuti kwete. Mumwe mukweretesi anogona zvakare shandisa fkana kubhuroka kwemukweretesi. Nekudaro, kubhuroka kunogona kungovapo Wapikisa nedare kana pane vakweretesi vakawanda. Vakweretesi ava havafanire kunge vari vanyoreri pamwe chete. Kana muzvinabhizimusi akanyorera kubhuroka kwemukwereti wake, zvakakwana kuratidza panguva yekugadziriswa kuti kune vanoverengeka vanokwereta. Izvi tinozvidaidza kuti 'huwandu hunodiwa'.
Izvi zvinogona kuitwa nemashoko ekutsigirwa kubva kune vamwe vane chikwereti, kana kunyange nekuzivisa kune ane chikwereti kuti haachakwanisi kubhadhara vakweretesi vake. Saka munhu anonyorera anofanira kunge aine 'zvichemo zvekutsigira' mukuwedzera kune zvaanoda. Dare richaona izvi muchidimbu uye muchidimbu.
Nguva yenguva yekubhuroka yakaitika
Kazhinji, kutongwa kwedare mukutongwa kwemabhangi kunoitika mukati memavhiki matanhatu chikumbiro chakamiswa. Iyi sarudzo inotevera panguva yekunzwa kana nekukurumidza sezvinobvira mushure. Munguva yekunzwa, mapato anogona kupihwa kunonoka kusvika pamasvondo masere.
Mari dzekubhuroka dzakaitika
Nezvezvi zviitiko unobhadharisa mari dzematare edzimhosva mukuwedzera kumubhadharo wegweta.
Nzira yekubhuroka inoita sei?
Maitiro ekubhuroka anotanga nekufaira kwechikumbiro chekubhuroka. Gweta rako rinotanga maitiro nekuendesa chikumbiro kudare richikumbira kune wako ane chikwereti chiziviso chekubhuroka panzvimbo yako. Ndimi munokumbira.
Chikumbiro chinofanirwa kuendeswa kudare riri mudunhu rine chikwereti. Kuti unyorere kubhuroka semunhu akweretesa, mukweretesi anofanira kunge akadaidzwa kakawanda uye akazopedzisira aziviswa kuti haazombokwani.
Kukokwa kunonzwa
Mukati memavhiki mashoma, gweta renyu richakokwa nedare kuti ripinde munzeve. Ichi chiziviso chinoreva kuti uye kupi kunonzwa kuchaitika. Wako ane chikwereti achaziviswawo.
Iye anechikwereti haabvumirane nechikumbiro chekubhuroka? Iye anogona kupindura nekutumira chinyorwa chekudzivirira kana chekudzivirira nemuromo panguva yekunzwa.
Kunzwa
Hazvisi zvekumanikidzwa kuti mukweretesi apinde munzeve, asi zvinokurudzirwa. Kana chikwereti chikasaoneka, anogona kunzi haana mhosva mumutongo pasina chikonzero.
Iwe uye / kana Gweta renyu munofanirwa kuoneka panzeve. Kana pasina anoonekwa panonzwa chikumbiro chingarambwa nemutongi. Iyo yekunzwa haisi yeruzhinji uye mutongi anowanzoita sarudzo yake panguva yekunzwa. Kana izvi zvisingaite, sarudzo inotevera nekukurumidza sezvinobvira, kazhinji mukati mevhiki 1 kana maviri. Raira racho rinotumirwa kwauri uye kune iwe une chikwereti, uye kune magweta akabatanidzwa.
kuramba
Kana iwe semukweretesi, mukasabvumirana nematare akarambwa sarudzo, munogona kufaira kukwirira.
Kugoverwa
Kana dare rikapa chikumbiro uye richizivisa anenge ane chikwereti bankrupt, anenge ane chikwereti anogona kufaira kukwidza nyaya. Kana mukwereti akakwidza mhosva, kubhuroka kunoitika zvakadaro. Nemutongo wedare:
- Mukweretesi anobva angobhuroka;
- Mutongi anogadza unodiridzira; uye
- Mutongi anogadza mutongi anotsigira.
Mushure mekunge kubhuroka kwaziviswa nedare, munhu (wemutemo) anenge anzi haana mari acharasikirwa nekurasa uye manejimendi emidziyo uye achanzi haana mvumo. Iye liquidator ndiye ega achiri kubvumidzwa kuita kubva panguva iyoyo zvichienda mberi. Iye liquidator achaita panzvimbo yeakabhuroka (munhu akanzi abhuroka), gadzirisa kubviswa kweiyo bankruptcy estate uye kutarisira zvido zvevakwereta.
Muchiitiko chekubhuroka kukuru, vabhangi vakati wandei vanogona kugadzwa. Kune mamwe zviito, muvharidzi anofanira kukumbira mvumo kubva kumutongi wepamusoro, semuenzaniso mune yekudzingwa kwevashandi uye kutengeswa kwemidziyo yemumba kana midziyo.
Mumutemo, chero mari inotambirwa nemukwereti panguva yekubhuroka, ichawedzerwa kune zvinhu. Mukuita, zvisinei, muvharidzi anoita izvi mukubvumirana neane chikwereti. Kana munhu akazvimiririra akanzi haana mari, zvakakosha kuziva kuti chii chakavharwa nekubhuroka uye chii chisiri. Zvido zvekutanga uye chikamu chemari, semuenzaniso, hazvibatanidzwe mukubhuroka. Mukwereti anogonawo kuita zviito zvemutemo zvakajairika; asi midziyo yevasina mari haina kusungwa neizvi.
Pamusoro pezvo, mutengesi achaita kuti mutongo wedare uve pachena nekuunyoresa kubhanga rekunyoresa uye kuChamber of Commerce, uye nekuisa chiziviso mubepanhau renyika. Iyo bankruptcy registry inonyoresa mutongo muCentral Insolvency Register (CIR) uye ichishambadza muGovernment Gazette. Izvi zvinogadzirwa kuitira kupa vamwe vangangove vakweretesa mukana wekuzivisa muvharidzi uye kuendesa zvavanoda.
Basa remutongi anotarisa mune izvi zviitiko ndeyekutarisa matanho ekugadzirisa nekudzimisa zvinhu zvisina kuvanzika zvekuita uye zviitwa zveanodzvinyirira. Pakurudziro yemutongi anoyang'anira, dare rinogona kuraira kubhadharo. Mutongi anotarisira anokwanisa kusheedza uye anzwe zvapupu. Pamwe chete neakagadzirisita, mutariri anotarisira anogadzira iya inonzi mharidzo dzekusimbisa, paachazoita sachigaro. Musangano wekubvunzurudza unoitika mudare uye chiitiko apo chikwereti chakanyorwa nezvakadzika, zvichamiswa.
Mari yacho ichagoverwa sei?
Iyo yekudziya inotsanangura iyo marongero ayo vanozobhadharwa vachabhadharwa: iyo yehuwandu hwehuwandu hwevanokweretesa. Wakakwira sei iwe pamwero, iyo yakakura mukana wekuti iwe uchabhadharwa semukweretesi. Kurongeka kwenzvimbo kunoenderana nekwavanopa chikwereti rudzi rwechikwereti.
Kutanga, sezvinobvira, zvikwereti zvezvinhu zvichabhadharwa. Izvi zvinosanganisira muhoro wemubhangi, rendi uye muhoro mushure mekubhuroka. Mari yasara, inoenda kune yakasarudzika zvichemo, zvinosanganisira mitero yehurumende uye ma allowance. Chero chasara chinoenda kune vasina kuchengetedzwa ("zvakajairika") vakweretesi. Kana vakweretesi vataurwa pamusoro vabhadharwa, chero zororo rinoenda kune vakweretesi vari pasi.
Kana kuchine mari yasara, inozobhadharwa kune muridzi wemugove kana ine chekuita neNV kana BV. Mukubhuroka kwemunhu wenyama, chinosara chinoenda kune akabhuroka. Zvisinei, aya ndiwo mamiriro ezvinhu akasiyana. Muzviitiko zvakawanda, hapana zvakawanda zvinosarira kune vasina kuchengetedzwa vanokweretesa ndoda kubhuroka.
Kunze: vanoparadzanisa
Separatists vanechikwereti ne:
- mogeji mutemo:
Bhizinesi kana imba inogara ine mubvumirano wemubhadharo uye mupi wechikwereti anogona kutora chikwereti pamhosva yekusabhadhara.
- Kodzero yechivimbiso:
Iro bhangi rakapa chikwereti nechimiro chekuti kana pasina kubhadhara kunoitwa, ine kodzero yekumbofanobata, semuenzaniso, pane bhizinesi rekutsvaga kana sitoko.
Zvinorehwa neparadzaniswa (zvinorehwa neshoko iri kare) zvakaparadzaniswa nekubhuroka uye zvinogona kutaurwa pakarepo, pasina kutanga zvazvibvunza nezvazvo. Nekudaro, liquidator inogona kukumbira iyo kuparadzanisa kuti imirire nguva yakakodzera.
Migumisiro
Kwako iwe semukweretesi, sarudzo yedare ine mhedzisiro inotevera:
- Iwe haugone kubata iwe chikwereti iwe pachako
- Iwe kana Gweta rako unoendesa chikumbiro chako negwaro rehupupuri kune wechikadzi
- Pamusangano wekuongorora, rondedzero yekupedzisira yezvikumbiro ichakwidzwa
- Iwe unobhadharwa zvinoenderana neyezvikwereti rondandanda
- Chikwereti chakasara chinogona kuunganidzwa mushure mekubhuroka
Kana mukweretesi ari munhu wechisikigo, mune zvimwe zviitiko zvinoita kuti mushure mekubhuroka, mukweretesi anoendesa chikumbiro kudare redzimhosva yekushandura kubhuroka kuve chikwereti mukugadzirisa zvakare.
Kune uyo ane chikwereti, mutongo wedare une mhedzisiro inotevera:
- Kubatwa kwezvinhu zvese (kunze kwezvakakosha)
- Iye anenge aine chikwereti anorasikirwa nemabatiro uye kuraswa kwezvinhu zvake
- Iyo tsamba inoenda yakananga kune iyo liquidator
Nzira yekubhuroka inopera sei?
Kubhuroka kunogona kupera munzira dzinotevera:
- Kubhadharisa mari nekuda kwekushayikwa kwezvinhu: Kana pasina zvinhu zvakakwana zvekugona kubhadhara nothings kunze kwezvikwereti zvezvinhu, kubhuroka kuchamiswa nekuda kwekushaiwa zvinhu.
- Kubviswa nekuda kwehurongwa pamwe nevanopa chikwereti: Iyo bhuroka inogona kupemha imwe-off kuronga kune vanoita zvechikwereti. Kurudziro yakadaro inoreva kuti mubhengi anobhadhara chikamu chezana chakakodzera, chaanoburitswa pazvikwereti zvake kwechikwereti chakasara.
- Kanzura nekuda kwekusunga kweiyo yekupedzisira kugovera runyorwa: apa ndipo kana iyo midziyo isina huwandu hwakakwana kugovera vasina kukweretesa vakweretesi, asi vanotanga kukwereta vanogona kubhadharwa (muchikamu).
- Kutemerwa danho redare rinoturwa nemutongo weDare redzimhosva
- Kanzura pachikumbiro chemubhengi uye panguva imwechete chirevo chekushandiswa kwegadziriro yekugadzirisa chikwereti.
Ndokumbira utarise: Munhu wepanyama anokwanisa zvakare kumhan'arwa zvakare zvikwereti, kunyangwe mushure mekunge kubhuroka kwapera. Kana musangano wekusimbisa waitika, mutemo unopa mukana mune kuurayiwa, nekuti mushumo wekusangana musangano unopa kodzero yeiyo zita rekuurayiwa rinogona kusimbiswa. Pakadaro, hauchada mutongo wekutonga. Ehe, mubvunzo unoramba uripo; chii chingave chingawanikwa mushure mekubhuroka?
Chii chinoitika kana mukweretesi akasabatana panguva yekubhuroka?
Mukwereti anosungirwa kushandira pamwe uye kupa muvharidzi ruzivo rwese rwakakosha. Iyi ndiyo inonzi 'chisungo chekuzivisa'. Kana muvharidzi ari kudziviswa, anogona kutora matanho ekumanikidza akadai sekubvunzurudzwa kwekubhuroka kana kutora muhusungwa muDetention Center. Kana mukwereti akaita zvimwe zviito pamberi pekuzivisa kubhuroka, izvo zvinoita kuti vakweretesi vane mikana mishoma yekudzosa zvikwereti, mubhangi anogona kugadzirisa zviito izvi ('bankruptcypauliana').
Ichi chinofanira kunge chiri chiito chepamutemo icho mukwereti (akazobhuroka) akaita pasina chinosungirwa, kusati kwaziviswa kubhuroka, uye nekuita chiito ichi mukwereti aiziva kana kuti aifanira kuziva kuti izvi zvaizokonzera kukanganisa kune vanokwereta.
Panyaya yemubatanidzwa wepamutemo, kana iyo yakakwenenzverwa ikawana humbowo hwekuti vafundisi vakashandisa zvisiri pamutemo mubatanidzwa, vanogona kupihwa mhosva pachivande. Uyezve, nezve izvi iwe unogona kuverenga mune yedu yakambonyorwa blog: Mutoro wevatungamiriri muThe Netherlands.
udza mashoko
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Ndokumbira utibatewo parunhare panhamba dzinoti +31 40 369 06 80 kana titumire e-mail:
Tom Meevis, Gweta kwa Law & More - [email inodzivirirwa]
Ruby van Kersbergen, Gweta ra Law & More - [email inodzivirirwa]