[{"data":1,"prerenderedAt":2184},["ShallowReactive",2],{"blog-search":3,"youtube-videos-10":4,"promotion-alert-popup-landing":140,"blog-article-loi-madelin-avantages-inconvenients":423,"FooterRight_xChizOkZHtfKMx5OucLyrTuMks1upRtLOjoJMGXqo":2130,"FooterBottom_SscEr0q32ZkdOufuXx5gAIgjWbNuigcJd3pxKDYeqc":2135,"PromotionBarContent_qgH3DzkwsibRJb04DapaWuiLSDmQOKgVzF5L49Ow20":2140,"PromotionModalContent_Djo69sGGP7gOnSn6zLgYPPnxq9dVaG0JrR147xTmAE":2145,"BlogArticleTocLinks_fpbAhXoBfB4vUbplrngVK89UQO95gfubVzdmPH2MnM":2150,"BlogArticleContent_pTS120v9AjwH6XT6BQF904UWL7KdiBmsKVDQ1T9dw4":2155,"BlogSectionRelated_VHOfytyEAYw9gzmNquluyNdmdK6Qxp6Xg1D7z8y2wE":2178,"$fW-GZiOtXhRob5bJ-sU-llBoM4_hQ1m8xmSoKroNmjkY":2183},[],[5,23,36,49,62,75,88,101,114,127],{"id":6,"title":7,"categories":8,"description":9,"extension":10,"meta":11,"publishedAt":12,"stem":13,"thumbnail":14,"uuid":21,"__hash__":22},"youtube/youtube/IjI9ClNMe0c.json","Loi de finances et autres changements à venir en 2026","videos","📅 Loi de finances 2026 : Ce qui va vraiment changer pour les indépendants\n\nTu as sûrement entendu parler de la Loi de finances 2026 mais…\n\n👉 Qu’est‑ce qui change concrètement pour toi, freelance, micro‑entrepreneur, ou dirigeant de TPE ?\n\n👉 Quelles obligations arrivent ?\n\n👉 Et surtout, comment t’y préparer ?\n\n---\n\nDans cette vidéo, on décortique tous les changements majeurs qui impactent les indépendants en 2026, dont :\n\n✅ La Loi de finances 2026 pour que tu comprennes tout en un seul guide\n\n✅ La réforme de l’obligation de la facturation électronique\n\n- Ce qui devient vraiment obligatoire et ce qui ne l’est pas encore\n- Pourquoi un simple PDF ne suffira plus\n- Les dates officielles de mise en place\n- Comment éviter les erreurs qui font perdre du temps et de l’argent\n\n✅ La réforme des cotisations sociales des indépendants\n\n- Comment la base de calcul évolue\n- Ce que ça change pour ta trésorerie : méthode, abattement, régularisation\n\n✅ La Loi de financement de la Sécurité Sociale 2026 (LFSS)\n\n- Réforme ACRE\n- Hausse de la CSG\n- Nouveautés sur les indemnités en cas de naissance\n- Autres mesures sociales à anticiper\n\n---\n\n⏱️ Au programme :\n\n00:00 Introduction\n00:25 La facturation électronique\n01:15 La réforme des cotisations sociales\n02:00 Les nouveautés de la sécurité sociale\n03:25 Les seuils de TVA\n03:54 Les autres nouveautés 2026\n04:05 Quels changements ?\n\n---\n\nReste jusqu’à la fin on t’a tout expliqué, étape par étape. 😉\n\nEt toi ? Quel changement te fait le plus peur cette année ? Dis‑le dans les commentaires !\n\n#LoiDeFinances #LoiDeFinances2026 #ObligationFactureElectronique #RéformeCotisationsSocialesIndépendants #SécuritéSociale2026 #LFSS #RéformeACRE","json",{},"2026-04-08T06:30:10Z","youtube/IjI9ClNMe0c",{"src":15,"srcset":16,"sizes":17,"width":18,"height":19,"alt":20},"https://i.ytimg.com/vi/IjI9ClNMe0c/maxresdefault.jpg","https://i.ytimg.com/vi/IjI9ClNMe0c/default.jpg 120w, https://i.ytimg.com/vi/IjI9ClNMe0c/mqdefault.jpg 320w, https://i.ytimg.com/vi/IjI9ClNMe0c/hqdefault.jpg 480w, https://i.ytimg.com/vi/IjI9ClNMe0c/sddefault.jpg 640w, https://i.ytimg.com/vi/IjI9ClNMe0c/maxresdefault.jpg 1280w","(max-width: 768px) 100vw, 480px",1280,720,"Miniature de la vidéo \"Loi de finances et autres changements à venir en 2026\"","IjI9ClNMe0c","vY0i3qeLIJ3dDkmpfmXfHA9Zju5fGMaHlAhn1teXW2k",{"id":24,"title":25,"categories":8,"description":26,"extension":10,"meta":27,"publishedAt":28,"stem":29,"thumbnail":30,"uuid":34,"__hash__":35},"youtube/youtube/9n5CmMLrSQ8.json","L’accompagnement client : le service comptable | Clementine.fr","Dans les coulisses d’un cabinet comptable – Épisode 3 : le service comptabilité.\n\nDans cet épisode, Dylan, vous fait découvrir le métier de comptable chez Clementine.fr et vous explique l’organisation des équipes, leurs missions, la différence entre un cabinet en ligne et un cabinet classique, ainsi que la manière dont nous accompagnons nos clients.\n\nCet épisode s’adresse aux entrepreneurs, indépendants et créateurs d’entreprise qui souhaitent comprendre comment nos comptables travaillent au sein d’un cabinet en ligne comme Clementine.fr.\n\nAbonnez-vous pour ne pas manquer les prochains épisodes et découvrir tous nos services.\n\n📞 Besoin d’un accompagnement adapté à votre projet ? Demandez votre devis ou planifiez un entretien téléphonique sur www.clementine.fr ou au 03 83 93 14 14.",{},"2026-03-31T05:45:00Z","youtube/9n5CmMLrSQ8",{"src":31,"srcset":32,"sizes":17,"width":18,"height":19,"alt":33},"https://i.ytimg.com/vi/9n5CmMLrSQ8/maxresdefault.jpg","https://i.ytimg.com/vi/9n5CmMLrSQ8/default.jpg 120w, https://i.ytimg.com/vi/9n5CmMLrSQ8/mqdefault.jpg 320w, https://i.ytimg.com/vi/9n5CmMLrSQ8/hqdefault.jpg 480w, https://i.ytimg.com/vi/9n5CmMLrSQ8/sddefault.jpg 640w, https://i.ytimg.com/vi/9n5CmMLrSQ8/maxresdefault.jpg 1280w","Miniature de la vidéo \"L’accompagnement client : le service comptable | Clementine.fr\"","9n5CmMLrSQ8","W8UmlG-nRiDBaNLVltkBmw-X-ZAVVem0KXUJ1pMacQM",{"id":37,"title":38,"categories":8,"description":39,"extension":10,"meta":40,"publishedAt":41,"stem":42,"thumbnail":43,"uuid":47,"__hash__":48},"youtube/youtube/OqSYiq2N1q8.json","La pause café – Épisode 2 | Portrait collaborateur Clementine.fr","Nouvel épisode de La pause café, notre série de portraits collaborateurs chez Clementine.fr ☕\n\nDans cet épisode, nous rencontrons Alexy, développeur web, Marion, comptable et Cem, expert-comptable mémorialiste. Trois métiers différents, trois personnalités… mais tous au service d’un même objectif : faire vivre l’entreprise au quotidien.\n\nIls vous dévoilent leur métier, ce qui les a le plus surpris en rejoignant Clementine, ainsi que les avantages et opportunités d’évolution.\n\n🎥 Un épisode qui montre comment complémentarité et collaboration créent l’énergie de notre entreprise.\n\n---\n\nEnvie de rejoindre l’aventure ? Un projet en tête ? Contactez-nous !\n👉 https://www.clementine.fr/entreprise/carrieres/\n\n#PortraitCollaborateur #InterviewCollaborateur #MarqueEmployeur #VieDEntreprise #CultureEntreprise #Recrutement #Talents #Equipe #CoulissesEntreprise #PauseCafé",{},"2026-03-26T15:10:20Z","youtube/OqSYiq2N1q8",{"src":44,"srcset":45,"sizes":17,"width":18,"height":19,"alt":46},"https://i.ytimg.com/vi/OqSYiq2N1q8/maxresdefault.jpg","https://i.ytimg.com/vi/OqSYiq2N1q8/default.jpg 120w, https://i.ytimg.com/vi/OqSYiq2N1q8/mqdefault.jpg 320w, https://i.ytimg.com/vi/OqSYiq2N1q8/hqdefault.jpg 480w, https://i.ytimg.com/vi/OqSYiq2N1q8/sddefault.jpg 640w, https://i.ytimg.com/vi/OqSYiq2N1q8/maxresdefault.jpg 1280w","Miniature de la vidéo \"La pause café – Épisode 2 | Portrait collaborateur Clementine.fr\"","OqSYiq2N1q8","AhrPSiSFSEOwAlH6r65-tCgzrm7cmgwPJi-hdKkFmdA",{"id":50,"title":51,"categories":8,"description":52,"extension":10,"meta":53,"publishedAt":54,"stem":55,"thumbnail":56,"uuid":60,"__hash__":61},"youtube/youtube/qPQ2GyUVhgk.json","Synchronisation bancaire : automatisez votre comptabilité avec Clementine.fr","Dans cette vidéo, découvrez comment automatiser votre comptabilité simplement avec Clementine.fr, notre application conçue pour les indépendants et dirigeants d’entreprise qui veulent gagner du temps et garder une vision claire de leur activité.\n\nDans cette vidéo, on vous montre concrètement comment automatiser votre comptabilité, étape par étape :\n\n▶ Synchroniser votre compte bancaire pour récupérer vos opérations automatiquement\n▶ Éviter la saisie manuelle et les imports de relevés bancaires\n▶ Laisser l’IA analyser vos opérations et proposer des catégories comptables et taux de TVA\n▶ Vérifier et valider vos opérations en quelques secondes\n▶ Mettre à jour automatiquement votre comptabilité \n▶ Suivre votre activité grâce à un tableau de bord clair et actualisé en temps réel\nRésultat : moins de saisie, moins d’erreurs, et une comptabilité toujours à jour.\n\nTout est pensé pour que la comptabilité ne soit plus une contrainte, mais un outil simple pour piloter votre entreprise.\n\n👉 Découvrez notre solution de pilotage comptable :\nhttps://www.clementine.fr/app/pilotage-tenue-comptable/\n\n👉 Découvrez comment l’intelligence artificielle simplifie votre comptabilité :\nhttps://www.clementine.fr/app/intelligence-artificielle/\n\nQue vous soyez indépendant ou dirigeant de TPE, cette vidéo vous montre comment automatiser votre comptabilité simplement et sereinement avec [Clementine.fr](http://Clementine.fr)",{},"2026-03-17T08:19:48Z","youtube/qPQ2GyUVhgk",{"src":57,"srcset":58,"sizes":17,"width":18,"height":19,"alt":59},"https://i.ytimg.com/vi/qPQ2GyUVhgk/maxresdefault.jpg","https://i.ytimg.com/vi/qPQ2GyUVhgk/default.jpg 120w, https://i.ytimg.com/vi/qPQ2GyUVhgk/mqdefault.jpg 320w, https://i.ytimg.com/vi/qPQ2GyUVhgk/hqdefault.jpg 480w, https://i.ytimg.com/vi/qPQ2GyUVhgk/sddefault.jpg 640w, https://i.ytimg.com/vi/qPQ2GyUVhgk/maxresdefault.jpg 1280w","Miniature de la vidéo \"Synchronisation bancaire : automatisez votre comptabilité avec Clementine.fr\"","qPQ2GyUVhgk","NGFdXlBMZ0KNvkJXmXgfkWJMMkk-LV4ZdQUoiNqdgPE",{"id":63,"title":64,"categories":8,"description":65,"extension":10,"meta":66,"publishedAt":67,"stem":68,"thumbnail":69,"uuid":73,"__hash__":74},"youtube/youtube/27dhx01PEnk.json","Le guide pour comprendre la réforme de la facturation électronique (2026)","Réforme de la facturation électronique 2026 : tout comprendre pour éviter les erreurs\n\nLa facturation électronique devient obligatoire dès 2026 pour toutes les entreprises françaises.\n\nSi vous êtes indépendant, micro-entrepreneur, TPE ou PME et que vous envoyez encore vos factures en PDF par email, cette réforme vous concerne directement.\n\n👉 Dans cette vidéo, vous allez comprendre concrètement ce qui change, à quelles dates, et comment vous préparer sans stress.\n\n___\n\nDans ce guide complet :\n\n✅ Qui est concerné par l’obligation\n✅ Le calendrier officiel 2026–2027\n✅ La différence entre e-invoicing et e-reporting\n✅ Pourquoi le PDF ne sera plus conforme\n✅ Ce qu’est une PA (Plateforme Agréée, anciennement appelée PDP)\n✅ Les erreurs à éviter avant 2026\n\n___\n\n⏱️ Programme de la vidéo\n\n00:00 Introduction\n00:30 Pourquoi cette réforme ?\n02:20 Ce qui va changer\n03:15 Qui est concerné ?\n04:27 Les dates importantes\n05:15 L'e-invoincing et l'e-reporting\n06:15 Comment ça fonctionne (PA) ?\n07:33 Les points de vigilance\n08:00 Ce qu'il faut faire\n09:00 Conclusion\n\n___\n\n📆 Calendrier de la réforme facturation électronique obligatoire\n\n1er septembre 2026 :\nToutes les entreprises doivent être capables de recevoir des factures électroniques. Les grandes entreprises devront aussi émettre.\n\n1er septembre 2027 :\nPME, TPE et micro-entrepreneurs devront à leur tour émettre leurs factures électroniques.\n\n___\n\nSe préparer dès maintenant avec Clementine.fr\n\nClementine vous accompagne dans la transition vers la facturation électronique 2026, sans bouleverser votre organisation actuelle.\n\nDécouvrez notre solution 👉 https://www.clementine.fr/logiciel-facturation/\n\n___\n\n📚 Ressources utiles\n\nComment faire une facture électronique :\n👉 https://www.clementine.fr/blog/comptabilite-social-et-juridique/comment-faire-une-facture-electronique/\n\nComment se préparer à la réforme :\n👉 https://www.clementine.fr/blog/comptabilite-social-et-juridique/comment-se-preparer-a-la-facturation-electronique/\n\n___\n\nDes questions sur votre situation ?\n\nContactez Clementine.fr, on vous aide à y voir clair.\n\nAbonnez-vous pour suivre nos prochains guides sur la réforme obligatoire et les évolutions fiscales 2026.\n\n___\n\n#RéformeFactureÉlectronique #FacturationÉlectronique2026 #CalendrierFacturationÉlectronique #PDP #PA #RéformeObligatoire #MicroEntreprise #TPE #PME #GuideFacturation",{},"2026-03-09T14:04:13Z","youtube/27dhx01PEnk",{"src":70,"srcset":71,"sizes":17,"width":18,"height":19,"alt":72},"https://i.ytimg.com/vi/27dhx01PEnk/maxresdefault.jpg","https://i.ytimg.com/vi/27dhx01PEnk/default.jpg 120w, https://i.ytimg.com/vi/27dhx01PEnk/mqdefault.jpg 320w, https://i.ytimg.com/vi/27dhx01PEnk/hqdefault.jpg 480w, https://i.ytimg.com/vi/27dhx01PEnk/sddefault.jpg 640w, https://i.ytimg.com/vi/27dhx01PEnk/maxresdefault.jpg 1280w","Miniature de la vidéo \"Le guide pour comprendre la réforme de la facturation électronique (2026)\"","27dhx01PEnk","UmqelKcVX8s_GZ-B3rtVMIn9dfSmAnXXV1WWM04QSGw",{"id":76,"title":77,"categories":8,"description":78,"extension":10,"meta":79,"publishedAt":80,"stem":81,"thumbnail":82,"uuid":86,"__hash__":87},"youtube/youtube/OuOSkDHgQX8.json","Portrait client – Sylvain Lacoste, créateur de NSM INDUSTRIES","🎬 Découvrez le parcours de Sylvain Lacoste, président de NSM Industries, spécialiste en distribution, réparation et maintenance de matériel hydraulique et industriel.\n\nCréée en 2020, NSM Industries accompagne les professionnels avec une approche simple et efficace : un besoin, un fournisseur, un interlocuteur unique. Vente toutes marques, maintenance industrielle, réparation hydraulique… L’entreprise apporte des solutions concrètes, avec réactivité et proximité.\n\nSylvain a créé son entreprise avec Clementine. Il voulait une solution moderne, 100% à distance.\n\nAvec Clementine, tout se fait à distance : création d’entreprise, gestion quotidienne, comptabilité.\n\n💡 Un logiciel tout-en-un, très facile et ludique, qui permet de faire sa comptabilité instantanément.\n\nRéactivité, simplicité, gain de temps : Clementine s’occupe de tout, et Sylvain peut se concentrer pleinement sur le développement de NSM Industries.\n\n👉 Un témoignage inspirant pour les entrepreneurs qui veulent simplifier leur gestion et travailler en toute sérénité.\n\nEn savoir plus sur NSM Industries :\n\n🔗 Site internet : https://nsm-industries.fr/\n🔗 LinkedIn : https://www.linkedin.com/company/nsm-industries/\n\n#PortraitClient #TémoignageClient #Industrie #Hydraulique #Entrepreneur",{},"2026-03-03T07:00:28Z","youtube/OuOSkDHgQX8",{"src":83,"srcset":84,"sizes":17,"width":18,"height":19,"alt":85},"https://i.ytimg.com/vi/OuOSkDHgQX8/maxresdefault.jpg","https://i.ytimg.com/vi/OuOSkDHgQX8/default.jpg 120w, https://i.ytimg.com/vi/OuOSkDHgQX8/mqdefault.jpg 320w, https://i.ytimg.com/vi/OuOSkDHgQX8/hqdefault.jpg 480w, https://i.ytimg.com/vi/OuOSkDHgQX8/sddefault.jpg 640w, https://i.ytimg.com/vi/OuOSkDHgQX8/maxresdefault.jpg 1280w","Miniature de la vidéo \"Portrait client – Sylvain Lacoste, créateur de NSM INDUSTRIES\"","OuOSkDHgQX8","Hmx7e4nIeiwVouxspBHa3_OHUl0PP6a0YCGSmoDLAuA",{"id":89,"title":90,"categories":8,"description":91,"extension":10,"meta":92,"publishedAt":93,"stem":94,"thumbnail":95,"uuid":99,"__hash__":100},"youtube/youtube/rmYnO7T25Ws.json","L’accompagnement client : le service customer success | Clementine.fr","Dans les coulisses d’un cabinet comptable - Episode 2 : le service Customer Success.\n\n🎙️ Elisa, Customer Success chez Clementine.fr, vous explique :\n\n- Les missions essentielles de son service : réception et gestion des appels, organisation de rendez-vous, suivi client, enregistrement et traitement des réclamations, et gestion de la plateforme client\n- Son rôle concret au quotidien pour accompagner chaque client\n- Comment elle devient le “fil rouge” du parcours client, de l’intégration jusqu’au suivi régulier\n- Les méthodes pour rassurer un client face aux démarches administratives et anticiper ses besoins\n- Pourquoi le service Customer Success est primordial pour une expérience fluide et humaine\n\n👉 Cette vidéo s’adresse aux entrepreneurs, indépendants, créateurs d’entreprise et à tous ceux qui veulent être sûrs d’être accompagnés durablement par un cabinet comptable en ligne.\n\nChez Clementine.fr, nous croyons que la comptabilité doit rester simple, humaine et transparente.\n\nAbonnez-vous pour découvrir les prochains épisodes et les autres services.\n\n📞 Envie d’un accompagnement personnalisé ? Demandez votre devis ou planifiez un entretien téléphonique sur https://www.clementine.fr/ ou au 03 83 93 14 14.",{},"2026-02-24T07:30:35Z","youtube/rmYnO7T25Ws",{"src":96,"srcset":97,"sizes":17,"width":18,"height":19,"alt":98},"https://i.ytimg.com/vi/rmYnO7T25Ws/maxresdefault.jpg","https://i.ytimg.com/vi/rmYnO7T25Ws/default.jpg 120w, https://i.ytimg.com/vi/rmYnO7T25Ws/mqdefault.jpg 320w, https://i.ytimg.com/vi/rmYnO7T25Ws/hqdefault.jpg 480w, https://i.ytimg.com/vi/rmYnO7T25Ws/sddefault.jpg 640w, https://i.ytimg.com/vi/rmYnO7T25Ws/maxresdefault.jpg 1280w","Miniature de la vidéo \"L’accompagnement client : le service customer success | Clementine.fr\"","rmYnO7T25Ws","LMpjak0Spvzk5H62hPAjOqDBihL4fS77g7IxU5TA2JA",{"id":102,"title":103,"categories":8,"description":104,"extension":10,"meta":105,"publishedAt":106,"stem":107,"thumbnail":108,"uuid":112,"__hash__":113},"youtube/youtube/J3Nb-MPGrD4.json","Facturation électronique 2026 : créez vos factures simplement avec Clementine.fr","🧾 Dans cette vidéo, découvrez comment créer, envoyer et gérer vos factures simplement avec Clementine.fr, notre application de facturation pensée pour les indépendants et TPE qui veulent gagner du temps et rester conformes en 2026.\n\nAvec la réforme de la facturation électronique, faire une facture ne se limite plus à remplir un document.\n\nElle doit être claire, conforme, suivie et bien gérée.\n\nDans cette vidéo, on vous montre concrètement comment Clementine.fr simplifie la facturation, étape par étape :\n\n▶ Personnaliser vos factures (logo, couleurs, informations légales)\n▶ Créer et envoyer vos factures en quelques clics\n▶ Générer automatiquement des factures conformes\n▶ Suivre les statuts d’encaissement (payée, en attente, en retard)\n▶ Centraliser vos factures d’achat et justificatifs\n▶ Garder une vision claire de vos ventes et de vos achats\n\nTout est pensé pour que facturer ne soit plus une contrainte, mais un réflexe simple et fluide.\n\nQue vous soyez déjà concerné par la facturation électronique ou que vous vouliez l’anticiper sereinement, cette vidéo vous explique comment faire une facture conforme sans stress.\n\n👉 Découvrez notre logiciel de facturation dès maintenant : https://www.clementine.fr/logiciel-facturation/",{},"2026-02-10T10:21:23Z","youtube/J3Nb-MPGrD4",{"src":109,"srcset":110,"sizes":17,"width":18,"height":19,"alt":111},"https://i.ytimg.com/vi/J3Nb-MPGrD4/maxresdefault.jpg","https://i.ytimg.com/vi/J3Nb-MPGrD4/default.jpg 120w, https://i.ytimg.com/vi/J3Nb-MPGrD4/mqdefault.jpg 320w, https://i.ytimg.com/vi/J3Nb-MPGrD4/hqdefault.jpg 480w, https://i.ytimg.com/vi/J3Nb-MPGrD4/sddefault.jpg 640w, https://i.ytimg.com/vi/J3Nb-MPGrD4/maxresdefault.jpg 1280w","Miniature de la vidéo \"Facturation électronique 2026 : créez vos factures simplement avec Clementine.fr\"","J3Nb-MPGrD4","cWH2sCPQJ_-6M9YT--k1zRg9BO-hGI2BNztvwFb8Rh4",{"id":115,"title":116,"categories":8,"description":117,"extension":10,"meta":118,"publishedAt":119,"stem":120,"thumbnail":121,"uuid":125,"__hash__":126},"youtube/youtube/06dQPhDPT60.json","La pause café – Épisode 1 | Portrait collaborateur Clementine.fr","Bienvenue dans La pause café, notre nouvelle série de portraits collaborateurs Clementine.fr ☕\n\nÀ travers ce nouveau format, nous donnons la parole à celles et ceux qui font vivre l’entreprise au quotidien.\n\nL’objectif de cette série de vidéos est de mettre en lumière les expériences de nos collaborateurs au sein des différents services de l’entreprise. Lors de chaque interview, ils partagent leur métier, leur parcours, ce qu’ils aiment le plus dans leur quotidien professionnel et ce qui fait, selon eux, l’ADN de Clementine.\n\n🎥 Pour cet épisode 1, nous avons rencontré 3 collaborateurs, Valentin, Ambre et Léo, dans une ambiance authentique.\n\n---\n\nEnvie de nous rejoindre ? Un projet en tête ? Contactez-nous !\n👉 https://www.clementine.fr/entreprise/carrieres/\n\n---\n\nSuivez-nous sur les réseaux sociaux :\n\nLinkedIn : https://www.linkedin.com/company/comptaclementine\nInstagram : https://www.instagram.com/comptaclementine\nTikTok : https://www.tiktok.com/@comptaclementine\nFacebook : https://www.facebook.com/comptaclementine\n\n---\n\n#PortraitCollaborateur #InterviewCollaborateur #MarqueEmployeur #VieDEntreprise #CultureEntreprise #Recrutement #Talents #Equipe #CoulissesEntreprise #PauseCafé",{},"2026-02-06T08:23:01Z","youtube/06dQPhDPT60",{"src":122,"srcset":123,"sizes":17,"width":18,"height":19,"alt":124},"https://i.ytimg.com/vi/06dQPhDPT60/maxresdefault.jpg","https://i.ytimg.com/vi/06dQPhDPT60/default.jpg 120w, https://i.ytimg.com/vi/06dQPhDPT60/mqdefault.jpg 320w, https://i.ytimg.com/vi/06dQPhDPT60/hqdefault.jpg 480w, https://i.ytimg.com/vi/06dQPhDPT60/sddefault.jpg 640w, https://i.ytimg.com/vi/06dQPhDPT60/maxresdefault.jpg 1280w","Miniature de la vidéo \"La pause café – Épisode 1 | Portrait collaborateur Clementine.fr\"","06dQPhDPT60","ik8ThWbr5DMjxcjUw4ViaNSU9IsEikO8juYH7hl5BLU",{"id":128,"title":129,"categories":8,"description":130,"extension":10,"meta":131,"publishedAt":132,"stem":133,"thumbnail":134,"uuid":138,"__hash__":139},"youtube/youtube/C52k01fV6oY.json","Quel statut juridique choisir pour créer ton entreprise en 2026 ?","▶ Comment choisir le bon statut juridique pour ton entreprise en 2026 ?\n\nLe choix du statut juridique structure durablement ton activité.\n\nIl impacte ta fiscalité, tes charges, ta rémunération, ta protection sociale et ta capacité de croissance : un mauvais choix aujourd’hui peut devenir un frein majeur demain.\n\nDans cette vidéo, on t’explique comment choisir le bon statut pour démarrer (ou structurer) ton activité en 2026, de façon claire, concrète et sans jargon.\n\n---\n\n⏱️ Au programme :\n\n00:00 Introduction\n00:36 Entreprise individuelle ou société\n00:51 La micro-entreprise\n02:01 L'entreprise individuelle\n02:51 La société\n03:40 Les différents statuts (EURL, SAS, SARL, SCI...)\n09:49 La nature de l'activité\n10:45 Conclusion\n\n---\n\n❓ Questions abordées dans la vidéo :\n\nQuel statut juridique choisir pour créer son entreprise en 2026 ?\nMicro-entreprise ou société : comment choisir ?\nEntreprise individuelle ou société : quelles différences ?\nSASU ou EURL quand on entreprend seul ?\nSAS ou SARL quand on est plusieurs associés ?\nQuel statut protège le mieux mon patrimoine personnel ?\nQuel statut permet de payer moins de charges ?\nComment se rémunérer selon le statut choisi ?\nQuel statut choisir si mon activité doit évoluer rapidement ?\nComment éviter de devoir changer de statut trop tôt ?\n\n---\n\n💼 Ressources utiles :\n\n▶ SASU : tout ce que vous devez savoir sur ce statut en 2026 :   https://www.clementine.fr/blog/creation-et-financement/sasu/\n\n▶ SASU : avantages et inconvénients : \nhttps://www.clementine.fr/blog/creation-et-financement/sasu-avantages-et-inconvenients/\n\n▶ Entreprise individuelle ou micro‑entreprise, les différences : https://www.clementine.fr/blog/creation-et-financement/entreprise-individuelle-ou-micro-entreprise/\n\n▶ Micro‑entreprise ou entreprise individuelle : que choisir ?https://www.clementine.fr/blog/creation-et-financement/micro-entreprise-ou-entreprise-individuelle/\n\n▶ EURL ou SASU, le guide pour choisir son statut : \nhttps://www.clementine.fr/blog/creation-et-financement/eurl-ou-sasu-guide/\n\n▶ Choisir la forme juridique de son entreprise : https://www.clementine.fr/blog/calculateurs/forme-juridique-entreprise/\n\n⁠▶ Comptabilité SARL, les obligations à connaître en 2026 : https://www.clementine.fr/blog/comptabilite-social-et-juridique/comptabilite-sarl/\n\n▶ Comptabilité EURL : quelles sont les obligations ? \nhttps://www.clementine.fr/blog/comptabilite-social-et-juridique/comptabilite-eurl/\n\n---\n\n📲 Suis-nous pour plus de conseils business, fiscaux et entrepreneuriaux :\n\nLinkedIn : / comptaclementine\nInstagram : / comptaclementine\nTikTok : / comptaclementine\nFacebook : / comptaclementine\n\n---\n\n#StatutJuridique #CréationEntreprise #MicroEntreprise #SASU #EURL #SAS #SARL #SCI #Entrepreneuriat #Business #Fiscalité #ChargesSociales #Impôts #Dirigeant #Entrepreneur2026",{},"2026-02-05T14:08:09Z","youtube/C52k01fV6oY",{"src":135,"srcset":136,"sizes":17,"width":18,"height":19,"alt":137},"https://i.ytimg.com/vi/C52k01fV6oY/maxresdefault.jpg","https://i.ytimg.com/vi/C52k01fV6oY/default.jpg 120w, https://i.ytimg.com/vi/C52k01fV6oY/mqdefault.jpg 320w, https://i.ytimg.com/vi/C52k01fV6oY/hqdefault.jpg 480w, https://i.ytimg.com/vi/C52k01fV6oY/sddefault.jpg 640w, https://i.ytimg.com/vi/C52k01fV6oY/maxresdefault.jpg 1280w","Miniature de la vidéo \"Quel statut juridique choisir pour créer ton entreprise en 2026 ?\"","C52k01fV6oY","HqHchdvgbASlM7HOxOXy7TPpP1m5Qd4ZDXN8x-5i66M",{"metadata":141,"sys":144,"fields":165},{"tags":142,"concepts":143},[],[],{"space":145,"id":150,"type":151,"createdAt":152,"updatedAt":153,"environment":154,"publishedVersion":158,"revision":159,"contentType":160,"locale":164},{"sys":146},{"type":147,"linkType":148,"id":149},"Link","Space","97bcek6xbwhd","6BxbKnxuPdHFaimBOSaS92","Entry","2025-10-13T08:49:10.840Z","2026-03-23T14:50:14.400Z",{"sys":155},{"id":156,"type":147,"linkType":157},"master","Environment",241,33,{"sys":161},{"type":147,"linkType":162,"id":163},"ContentType","promotion","fr",{"name":166,"type":167,"endDate":168,"bar":169,"popup":220,"landingHero":329,"landingCover":347,"landingCoverMobile":371,"landingCoverBg":395,"landingSectionTitle":396},"Promotion principale","expertise","2026-04-01T00:00",{"metadata":170,"sys":173,"fields":185},{"tags":171,"concepts":172},[],[],{"space":174,"id":176,"type":151,"createdAt":177,"updatedAt":177,"environment":178,"publishedVersion":180,"revision":181,"contentType":182,"locale":164},{"sys":175},{"type":147,"linkType":148,"id":149},"7fO3QUrrZGhTJzClKCRp8I","2026-03-23T09:40:12.605Z",{"sys":179},{"id":156,"type":147,"linkType":157},5,1,{"sys":183},{"type":147,"linkType":162,"id":184},"richBlock",{"name":186,"type":187,"textAlign":188,"content":189,"releaseDateFormat":217,"orientation":218,"faq":219},"Promotion principale - Bandeau","Advanced Rich Text","Left",{"nodeType":190,"data":191,"content":192},"document",{},[193],{"nodeType":194,"data":195,"content":196},"paragraph",{},[197,202,213],{"nodeType":198,"value":199,"marks":200,"data":201},"text","🎁 Offre : jusqu’à 3 mois offerts jusqu’au 31/03 ! ⏳ ",[],{},{"nodeType":203,"data":204,"content":206},"hyperlink",{"uri":205},"https://www.clementine.fr/lp/offre-1/",[207],{"nodeType":198,"value":208,"marks":209,"data":212},"J’en profite",[210],{"type":211},"underline",{},{"nodeType":198,"value":214,"marks":215,"data":216},"",[],{},"D MMMM YYYY","Vertical",false,{"metadata":221,"sys":224,"fields":236},{"tags":222,"concepts":223},[],[],{"space":225,"id":227,"type":151,"createdAt":228,"updatedAt":229,"environment":230,"publishedVersion":232,"revision":233,"contentType":234,"locale":164},{"sys":226},{"type":147,"linkType":148,"id":149},"6m25RISeNymRjizT9EM6x4","2026-03-23T09:45:52.799Z","2026-03-23T10:47:13.642Z",{"sys":231},{"id":156,"type":147,"linkType":157},25,4,{"sys":235},{"type":147,"linkType":162,"id":184},{"name":237,"type":238,"textAlign":188,"highlightColor":239,"linkOptions":240,"content":242,"releaseDateFormat":217,"faq":219},"Promotion principale - popup","Card","Primary",[241],"Button",{"nodeType":190,"data":243,"content":244},{},[245,253,260,267,276,292,323],{"nodeType":246,"data":247,"content":248},"heading-3",{},[249],{"nodeType":198,"value":250,"marks":251,"data":252},"Profitez de l’offre",[],{},{"nodeType":194,"data":254,"content":255},{},[256],{"nodeType":198,"value":257,"marks":258,"data":259},"Profitez d’un logiciel de gestion tout-en-un et/ou d’une expertise comptable",[],{},{"nodeType":194,"data":261,"content":262},{},[263],{"nodeType":198,"value":264,"marks":265,"data":266},"⏰ Automatisez votre comptabilité",[],{},{"nodeType":194,"data":268,"content":269},{},[270],{"nodeType":198,"value":271,"marks":272,"data":275},"[countdown]",[273],{"type":274},"code",{},{"nodeType":194,"data":277,"content":278},{},[279,282,289],{"nodeType":198,"value":214,"marks":280,"data":281},[],{},{"nodeType":203,"data":283,"content":284},{"uri":205},[285],{"nodeType":198,"value":286,"marks":287,"data":288},"Je profite de l'offre",[],{},{"nodeType":198,"value":214,"marks":290,"data":291},[],{},{"nodeType":293,"data":294,"content":322},"embedded-asset-block",{"target":295},{"metadata":296,"sys":299,"fields":310},{"tags":297,"concepts":298},[],[],{"space":300,"id":302,"type":303,"createdAt":304,"updatedAt":305,"environment":306,"publishedVersion":308,"revision":309,"locale":164},{"sys":301},{"type":147,"linkType":148,"id":149},"4y2bGgwGfwdALjDWsunDDQ","Asset","2025-10-08T14:29:29.850Z","2026-03-04T09:57:12.402Z",{"sys":307},{"id":156,"type":147,"linkType":157},62,12,{"title":311,"description":312,"file":313},"promotion-popup","Jusqu’à 3 mois offerts",{"url":314,"details":315,"fileName":320,"contentType":321},"//images.ctfassets.net/97bcek6xbwhd/4y2bGgwGfwdALjDWsunDDQ/2e8a9eead3e24b0b178d2a682a58796c/promotion-popup.webp",{"size":316,"image":317},40314,{"width":318,"height":319},710,918,"promotion-popup.webp","image/webp",[],{"nodeType":194,"data":324,"content":325},{},[326],{"nodeType":198,"value":214,"marks":327,"data":328},[],{},{"data":330,"content":331,"nodeType":190},{},[332,340],{"data":333,"content":334,"nodeType":339},{},[335],{"data":336,"marks":337,"value":338,"nodeType":198},{},[],"La compta simplifiée pour les entrepreneurs.","heading-1",{"data":341,"content":342,"nodeType":194},{},[343],{"data":344,"marks":345,"value":346,"nodeType":198},{},[],"Découvrez notre application de gestion comptable et pilotez votre activité en toute autonomie. Ou choisissez l’accompagnement d’un cabinet d’expertise comptable qui connaît votre situation.",{"metadata":348,"sys":351,"fields":360},{"tags":349,"concepts":350},[],[],{"space":352,"id":354,"type":303,"createdAt":355,"updatedAt":356,"environment":357,"publishedVersion":359,"revision":233,"locale":164},{"sys":353},{"type":147,"linkType":148,"id":149},"6JBrObRMXbtV1w1UgbITmJ","2025-10-08T14:33:44.834Z","2026-03-23T09:47:39.770Z",{"sys":358},{"id":156,"type":147,"linkType":157},14,{"title":361,"description":362,"file":363},"promotion-landing","Jusqu'à 3 mois offerts - Logiciel de comptabilité ou Expertise comptable",{"url":364,"details":365,"fileName":370,"contentType":321},"//images.ctfassets.net/97bcek6xbwhd/6JBrObRMXbtV1w1UgbITmJ/4a0e701c43f78ba98fc0a979becf9609/promotion-landing.webp",{"size":366,"image":367},101232,{"width":368,"height":369},1318,1282,"promotion-landing.webp",{"metadata":372,"sys":375,"fields":385},{"tags":373,"concepts":374},[],[],{"space":376,"id":378,"type":303,"createdAt":379,"updatedAt":380,"environment":381,"publishedVersion":383,"revision":384,"locale":164},{"sys":377},{"type":147,"linkType":148,"id":149},"2eerI4C97kll1W4QtiAg4u","2025-10-10T09:59:42.122Z","2026-03-23T09:48:18.071Z",{"sys":382},{"id":156,"type":147,"linkType":157},13,3,{"title":386,"description":362,"file":387},"promotion-landing-mobile",{"url":388,"details":389,"fileName":394,"contentType":321},"//images.ctfassets.net/97bcek6xbwhd/2eerI4C97kll1W4QtiAg4u/20f7c373da84ca75bb9387e4a1ff7ab3/promotion-landing-mobile.webp",{"size":390,"image":391},29500,{"width":392,"height":393},660,326,"promotion-landing-mobile.webp","#FF7730",{"nodeType":190,"data":397,"content":398},{},[399,417],{"nodeType":400,"data":401,"content":402},"heading-2",{},[403,407,413],{"nodeType":198,"value":404,"marks":405,"data":406},"Profitez de ",[],{},{"nodeType":198,"value":408,"marks":409,"data":412},"3 mois offerts",[410],{"type":411},"bold",{},{"nodeType":198,"value":414,"marks":415,"data":416}," dès maintenant",[],{},{"nodeType":194,"data":418,"content":419},{},[420],{"nodeType":198,"value":214,"marks":421,"data":422},[],{},{"metadata":424,"sys":427,"fields":440},{"tags":425,"concepts":426},[],[],{"space":428,"id":430,"type":151,"createdAt":431,"updatedAt":432,"environment":433,"publishedVersion":435,"revision":436,"contentType":437,"locale":164},{"sys":429},{"type":147,"linkType":148,"id":149},"X42txBEAAB4AfUaJ","2022-09-20T15:50:30.499Z","2026-03-27T09:41:57.992Z",{"sys":434},{"id":156,"type":147,"linkType":157},163,15,{"sys":438},{"type":147,"linkType":162,"id":439},"article",{"title":441,"slug":442,"author":443,"category":483,"publishedAt":502,"cover":503,"summary":527,"content":571,"metaTitle":441,"metaDescription":2129,"cta":167},"Loi Madelin : avantages et inconvénients (2026)","loi-madelin-avantages-inconvenients",{"metadata":444,"sys":447,"fields":459},{"tags":445,"concepts":446},[],[],{"space":448,"id":450,"type":151,"createdAt":451,"updatedAt":452,"environment":453,"publishedVersion":455,"revision":384,"contentType":456,"locale":164},{"sys":449},{"type":147,"linkType":148,"id":149},"4Z2MjE57bqhtmR2usIc7aF","2022-09-20T08:20:39.490Z","2022-11-03T13:24:28.029Z",{"sys":454},{"id":156,"type":147,"linkType":157},6,{"sys":457},{"type":147,"linkType":162,"id":458},"author",{"name":460,"slug":461,"profilePicture":462},"Clementine","clementine",{"metadata":463,"sys":466,"fields":474},{"tags":464,"concepts":465},[],[],{"space":467,"id":469,"type":303,"createdAt":470,"updatedAt":470,"environment":471,"publishedVersion":473,"revision":181,"locale":164},{"sys":468},{"type":147,"linkType":148,"id":149},"2Xve1bbdvdmIk4FVxNTwM8","2022-11-03T13:24:11.320Z",{"sys":472},{"id":156,"type":147,"linkType":157},2,{"title":461,"file":475},{"url":476,"details":477,"fileName":481,"contentType":482},"//images.ctfassets.net/97bcek6xbwhd/2Xve1bbdvdmIk4FVxNTwM8/bab5b4638be2c0e1d05235e86e8c50e8/clementine.png",{"size":478,"image":479},8155,{"width":480,"height":480},148,"clementine.png","image/png",{"metadata":484,"sys":487,"fields":497},{"tags":485,"concepts":486},[],[],{"space":488,"id":490,"type":151,"createdAt":491,"updatedAt":491,"environment":492,"publishedVersion":233,"revision":181,"contentType":494,"locale":164},{"sys":489},{"type":147,"linkType":148,"id":149},"6FDx2IHmig7aNrEwKjp7DP","2022-09-22T10:34:43.694Z",{"sys":493},{"id":156,"type":147,"linkType":157},{"sys":495},{"type":147,"linkType":162,"id":496},"articleCategory",{"title":498,"slug":499,"metaTitle":500,"metaDescription":501},"Taxes et impôts","taxes-et-impots","Découvrez nos conseils sur les taxes et les impôts","Pour la gestion de vos taxes et de vos impôts, Clementine vous explique à mieux comprendre leurs fonctionnements (TVA, DSI, PAS, revenus fonciers…).","2026-03-27",{"metadata":504,"sys":507,"fields":516},{"tags":505,"concepts":506},[],[],{"space":508,"id":510,"type":303,"createdAt":511,"updatedAt":512,"environment":513,"publishedVersion":515,"revision":233,"locale":164},{"sys":509},{"type":147,"linkType":148,"id":149},"1lroRRk8cpfJmv7J61aQ3y","2022-09-20T09:53:11.387Z","2026-03-26T14:55:09.165Z",{"sys":514},{"id":156,"type":147,"linkType":157},17,{"title":517,"description":518,"file":519},"Loi Madelin","Cover article loi Madelin",{"url":520,"details":521,"fileName":526,"contentType":321},"//images.ctfassets.net/97bcek6xbwhd/1lroRRk8cpfJmv7J61aQ3y/e9986ab6d70186701382bf46a2ba050d/loi_madelin.webp",{"size":522,"image":523},69352,{"width":524,"height":525},1920,1080,"loi madelin.webp",{"data":528,"content":529,"nodeType":190},{},[530,565],{"data":531,"content":532,"nodeType":564},{},[533,544,554],{"data":534,"content":535,"nodeType":543},{},[536],{"data":537,"content":538,"nodeType":194},{},[539],{"data":540,"marks":541,"value":542,"nodeType":198},{},[],"La loi Madelin offre des avantages fiscaux et permet de se protéger avec une retraite complémentaire, une mutuelle ou une prévoyance.","list-item",{"data":545,"content":546,"nodeType":543},{},[547],{"data":548,"content":549,"nodeType":194},{},[550],{"data":551,"marks":552,"value":553,"nodeType":198},{},[],"Les cotisations versées sont déductibles du revenu imposable, ce qui réduit l’impôt à payer.",{"data":555,"content":556,"nodeType":543},{},[557],{"data":558,"content":559,"nodeType":194},{},[560],{"data":561,"marks":562,"value":563,"nodeType":198},{},[],"Certains contrats peuvent être coûteux ou peu flexibles selon les besoins de l’indépendant.","unordered-list",{"data":566,"content":567,"nodeType":194},{},[568],{"data":569,"marks":570,"value":214,"nodeType":198},{},[],{"nodeType":190,"data":572,"content":573},{},[574,586,593,600,638,654,661,687,694,701,709,724,731,791,807,822,829,844,887,894,909,916,940,947,986,1010,1017,1032,1039,1205,1212,1275,1312,1319,1326,1333,1349,1356,1457,1472,1496,1503,1510,1517,1575,1582,1589,1596,1633,1640,1656,1689,1704,1711,1718,1725,1754,1761,1768,1775,1823,1839,1846,1862,1885,1892,1908,1941,1956,1963,1978,1985,2018,2033,2048,2068,2075,2082,2106,2113],{"nodeType":194,"data":575,"content":576},{},[577,582],{"nodeType":198,"value":578,"marks":579,"data":581},"Loi Madelin avantages et inconvénients ",[580],{"type":411},{},{"nodeType":198,"value":583,"marks":584,"data":585},": vous êtes travailleur indépendant et vous vous demandez si ce dispositif est vraiment fait pour vous ? Comprendre ses bénéfices et ses limites peut transformer votre protection sociale et votre fiscalité.",[],{},{"nodeType":194,"data":587,"content":588},{},[589],{"nodeType":198,"value":590,"marks":591,"data":592},"On vous explique tout dans ce guide : quels contrats choisir, qui peut en profiter, et comment tirer le meilleur parti de la loi Madelin tout en évitant ses pièges.",[],{},{"nodeType":400,"data":594,"content":595},{},[596],{"nodeType":198,"value":597,"marks":598,"data":599},"Qu'est-ce que la loi Madelin ?",[],{},{"nodeType":194,"data":601,"content":602},{},[603,607,612,616,625,629,634],{"nodeType":198,"value":604,"marks":605,"data":606},"La ",[],{},{"nodeType":198,"value":608,"marks":609,"data":611},"loi Madelin",[610],{"type":411},{},{"nodeType":198,"value":613,"marks":614,"data":615},", adoptée le 11 février 1994, est un dispositif fiscal destiné aux ",[],{},{"nodeType":203,"data":617,"content":619},{"uri":618},"https://www.clementine.fr/blog/comptabilite-social-et-juridique/travailleur-non-salarie-en-quoi-cela-consiste/",[620],{"nodeType":198,"value":621,"marks":622,"data":624},"travailleurs non salariés",[623],{"type":211},{},{"nodeType":198,"value":626,"marks":627,"data":628}," (TNS). Son objectif est simple : ",[],{},{"nodeType":198,"value":630,"marks":631,"data":633},"permettre aux indépendants de renforcer leur protection sociale",[632],{"type":411},{},{"nodeType":198,"value":635,"marks":636,"data":637}," tout en bénéficiant d’une déduction fiscale sur certaines cotisations.",[],{},{"nodeType":194,"data":639,"content":640},{},[641,645,650],{"nodeType":198,"value":642,"marks":643,"data":644},"Concrètement, ce dispositif autorise les TNS à souscrire différents contrats d’assurance (santé, prévoyance, retraite, etc.). Les cotisations versées peuvent alors être ",[],{},{"nodeType":198,"value":646,"marks":647,"data":649},"déduites du revenu professionnel imposable",[648],{"type":411},{},{"nodeType":198,"value":651,"marks":652,"data":653},", dans certaines limites.",[],{},{"nodeType":194,"data":655,"content":656},{},[657],{"nodeType":198,"value":658,"marks":659,"data":660},"Cela permet de combler un manque fréquent chez les indépendants : une protection sociale souvent moins complète que celle des salariés.",[],{},{"nodeType":194,"data":662,"content":663},{},[664,668,674,678,683],{"nodeType":198,"value":665,"marks":666,"data":667},"💡 ",[],{},{"nodeType":198,"value":669,"marks":670,"data":673},"À savoir",[671,672],{"type":211},{"type":411},{},{"nodeType":198,"value":675,"marks":676,"data":677}," : les cotisations Madelin sont déductibles uniquement si le travailleur indépendant est ",[],{},{"nodeType":198,"value":679,"marks":680,"data":682},"à jour de ses cotisations sociales obligatoires",[681],{"type":411},{},{"nodeType":198,"value":684,"marks":685,"data":686},".",[],{},{"nodeType":246,"data":688,"content":689},{},[690],{"nodeType":198,"value":691,"marks":692,"data":693},"Quels sont les dispositifs de la loi Madelin ?",[],{},{"nodeType":194,"data":695,"content":696},{},[697],{"nodeType":198,"value":698,"marks":699,"data":700},"La loi Madelin repose sur plusieurs types de contrats destinés à améliorer la protection sociale des indépendants.",[],{},{"nodeType":702,"data":703,"content":704},"heading-4",{},[705],{"nodeType":198,"value":706,"marks":707,"data":708},"La prévoyance Madelin",[],{},{"nodeType":194,"data":710,"content":711},{},[712,715,720],{"nodeType":198,"value":604,"marks":713,"data":714},[],{},{"nodeType":198,"value":716,"marks":717,"data":719},"prévoyance Madelin",[718],{"type":411},{},{"nodeType":198,"value":721,"marks":722,"data":723}," protège le travailleur indépendant contre les aléas de la vie professionnelle.",[],{},{"nodeType":194,"data":725,"content":726},{},[727],{"nodeType":198,"value":728,"marks":729,"data":730},"Elle peut notamment couvrir :",[],{},{"nodeType":564,"data":732,"content":733},{},[734,753,772],{"nodeType":543,"data":735,"content":736},{},[737],{"nodeType":194,"data":738,"content":739},{},[740,744,749],{"nodeType":198,"value":741,"marks":742,"data":743},"un ",[],{},{"nodeType":198,"value":745,"marks":746,"data":748},"arrêt de travail",[747],{"type":411},{},{"nodeType":198,"value":750,"marks":751,"data":752}," (indemnités journalières),",[],{},{"nodeType":543,"data":754,"content":755},{},[756],{"nodeType":194,"data":757,"content":758},{},[759,763,768],{"nodeType":198,"value":760,"marks":761,"data":762},"une ",[],{},{"nodeType":198,"value":764,"marks":765,"data":767},"invalidité",[766],{"type":411},{},{"nodeType":198,"value":769,"marks":770,"data":771}," (versement d’une rente),",[],{},{"nodeType":543,"data":773,"content":774},{},[775],{"nodeType":194,"data":776,"content":777},{},[778,782,787],{"nodeType":198,"value":779,"marks":780,"data":781},"le ",[],{},{"nodeType":198,"value":783,"marks":784,"data":786},"décès",[785],{"type":411},{},{"nodeType":198,"value":788,"marks":789,"data":790}," (capital ou rente versée aux proches).",[],{},{"nodeType":194,"data":792,"content":793},{},[794,798,803],{"nodeType":198,"value":795,"marks":796,"data":797},"Ce type de contrat permet donc de ",[],{},{"nodeType":198,"value":799,"marks":800,"data":802},"maintenir un niveau de revenus",[801],{"type":411},{},{"nodeType":198,"value":804,"marks":805,"data":806}," en cas d’accident ou de maladie.",[],{},{"nodeType":194,"data":808,"content":809},{},[810,813,818],{"nodeType":198,"value":665,"marks":811,"data":812},[],{},{"nodeType":198,"value":669,"marks":814,"data":817},[815,816],{"type":411},{"type":211},{},{"nodeType":198,"value":819,"marks":820,"data":821}," : les indemnités versées par la prévoyance Madelin ne peuvent généralement pas dépasser les revenus professionnels du travailleur indépendant.",[],{},{"nodeType":702,"data":823,"content":824},{},[825],{"nodeType":198,"value":826,"marks":827,"data":828},"La mutuelle santé Madelin",[],{},{"nodeType":194,"data":830,"content":831},{},[832,835,840],{"nodeType":198,"value":604,"marks":833,"data":834},[],{},{"nodeType":198,"value":836,"marks":837,"data":839},"mutuelle Madelin",[838],{"type":411},{},{"nodeType":198,"value":841,"marks":842,"data":843}," est une complémentaire santé destinée aux travailleurs non salariés. Elle complète les remboursements de l’Assurance maladie pour des dépenses telles que :",[],{},{"nodeType":564,"data":845,"content":846},{},[847,857,867,877],{"nodeType":543,"data":848,"content":849},{},[850],{"nodeType":194,"data":851,"content":852},{},[853],{"nodeType":198,"value":854,"marks":855,"data":856},"hospitalisation,",[],{},{"nodeType":543,"data":858,"content":859},{},[860],{"nodeType":194,"data":861,"content":862},{},[863],{"nodeType":198,"value":864,"marks":865,"data":866},"soins dentaires,",[],{},{"nodeType":543,"data":868,"content":869},{},[870],{"nodeType":194,"data":871,"content":872},{},[873],{"nodeType":198,"value":874,"marks":875,"data":876},"optique,",[],{},{"nodeType":543,"data":878,"content":879},{},[880],{"nodeType":194,"data":881,"content":882},{},[883],{"nodeType":198,"value":884,"marks":885,"data":886},"consultations médicales.",[],{},{"nodeType":194,"data":888,"content":889},{},[890],{"nodeType":198,"value":891,"marks":892,"data":893},"Les garanties peuvent être adaptées selon les besoins du professionnel et de sa famille.",[],{},{"nodeType":194,"data":895,"content":896},{},[897,900,905],{"nodeType":198,"value":665,"marks":898,"data":899},[],{},{"nodeType":198,"value":669,"marks":901,"data":904},[902,903],{"type":411},{"type":211},{},{"nodeType":198,"value":906,"marks":907,"data":908}," : certaines mutuelles Madelin permettent également de couvrir les ayants droit (conjoint, enfants).",[],{},{"nodeType":702,"data":910,"content":911},{},[912],{"nodeType":198,"value":913,"marks":914,"data":915},"La retraite Madelin",[],{},{"nodeType":194,"data":917,"content":918},{},[919,923,928,932,937],{"nodeType":198,"value":920,"marks":921,"data":922},"Le ",[],{},{"nodeType":198,"value":924,"marks":925,"data":927},"contrat de retraite Madelin",[926],{"type":411},{},{"nodeType":198,"value":929,"marks":930,"data":931}," permet de se constituer une ",[],{},{"nodeType":198,"value":933,"marks":934,"data":936},"épargne retraite complémentaire",[935],{"type":411},{},{"nodeType":198,"value":684,"marks":938,"data":939},[],{},{"nodeType":194,"data":941,"content":942},{},[943],{"nodeType":198,"value":944,"marks":945,"data":946},"Le principe est simple :",[],{},{"nodeType":948,"data":949,"content":950},"ordered-list",{},[951,961,971],{"nodeType":543,"data":952,"content":953},{},[954],{"nodeType":194,"data":955,"content":956},{},[957],{"nodeType":198,"value":958,"marks":959,"data":960},"le travailleur indépendant verse des cotisations pendant sa vie active ;",[],{},{"nodeType":543,"data":962,"content":963},{},[964],{"nodeType":194,"data":965,"content":966},{},[967],{"nodeType":198,"value":968,"marks":969,"data":970},"ces cotisations sont déductibles du revenu imposable ;",[],{},{"nodeType":543,"data":972,"content":973},{},[974],{"nodeType":194,"data":975,"content":976},{},[977,981],{"nodeType":198,"value":978,"marks":979,"data":980},"à la retraite, l’épargne est transformée en ",[],{},{"nodeType":198,"value":982,"marks":983,"data":985},"rente viagère.",[984],{"type":411},{},{"nodeType":194,"data":987,"content":988},{},[989,992,997,1001,1006],{"nodeType":198,"value":665,"marks":990,"data":991},[],{},{"nodeType":198,"value":669,"marks":993,"data":996},[994,995],{"type":411},{"type":211},{},{"nodeType":198,"value":998,"marks":999,"data":1000}," : Ce dispositif a évolué ces dernières années ! Depuis la loi Pacte, les nouveaux contrats retraite Madelin ont été ",[],{},{"nodeType":198,"value":1002,"marks":1003,"data":1005},"remplacés par le Plan d’Épargne Retraite (PER)",[1004],{"type":411},{},{"nodeType":198,"value":1007,"marks":1008,"data":1009},". Les anciens contrats peuvent toutefois continuer à fonctionner.",[],{},{"nodeType":246,"data":1011,"content":1012},{},[1013],{"nodeType":198,"value":1014,"marks":1015,"data":1016},"Qui peut bénéficier de la loi Madelin ?",[],{},{"nodeType":194,"data":1018,"content":1019},{},[1020,1024,1029],{"nodeType":198,"value":1021,"marks":1022,"data":1023},"La loi Madelin s’adresse principalement aux ",[],{},{"nodeType":198,"value":1025,"marks":1026,"data":1028},"travailleurs non salariés (TNS)",[1027],{"type":411},{},{"nodeType":198,"value":684,"marks":1030,"data":1031},[],{},{"nodeType":194,"data":1033,"content":1034},{},[1035],{"nodeType":198,"value":1036,"marks":1037,"data":1038},"Voici les principaux profils concernés :",[],{},{"nodeType":1040,"data":1041,"content":1042},"table",{},[1043,1070,1094,1116,1149,1183],{"nodeType":1044,"data":1045,"content":1046},"table-row",{},[1047,1059],{"nodeType":1048,"data":1049,"content":1050},"table-header-cell",{},[1051],{"nodeType":194,"data":1052,"content":1053},{},[1054],{"nodeType":198,"value":1055,"marks":1056,"data":1058},"Profession",[1057],{"type":411},{},{"nodeType":1048,"data":1060,"content":1061},{},[1062],{"nodeType":194,"data":1063,"content":1064},{},[1065],{"nodeType":198,"value":1066,"marks":1067,"data":1069},"Éligibilité ",[1068],{"type":411},{},{"nodeType":1044,"data":1071,"content":1072},{},[1073,1084],{"nodeType":1074,"data":1075,"content":1076},"table-cell",{},[1077],{"nodeType":194,"data":1078,"content":1079},{},[1080],{"nodeType":198,"value":1081,"marks":1082,"data":1083},"Artisans",[],{},{"nodeType":1074,"data":1085,"content":1086},{},[1087],{"nodeType":194,"data":1088,"content":1089},{},[1090],{"nodeType":198,"value":1091,"marks":1092,"data":1093},"Oui",[],{},{"nodeType":1044,"data":1095,"content":1096},{},[1097,1107],{"nodeType":1074,"data":1098,"content":1099},{},[1100],{"nodeType":194,"data":1101,"content":1102},{},[1103],{"nodeType":198,"value":1104,"marks":1105,"data":1106},"Commerçants",[],{},{"nodeType":1074,"data":1108,"content":1109},{},[1110],{"nodeType":194,"data":1111,"content":1112},{},[1113],{"nodeType":198,"value":1091,"marks":1114,"data":1115},[],{},{"nodeType":1044,"data":1117,"content":1118},{},[1119,1140],{"nodeType":1074,"data":1120,"content":1121},{},[1122],{"nodeType":194,"data":1123,"content":1124},{},[1125,1128,1137],{"nodeType":198,"value":214,"marks":1126,"data":1127},[],{},{"nodeType":203,"data":1129,"content":1131},{"uri":1130},"https://www.clementine.fr/blog/comptabilite-social-et-juridique/profession-liberale/",[1132],{"nodeType":198,"value":1133,"marks":1134,"data":1136},"Professions libérales",[1135],{"type":211},{},{"nodeType":198,"value":214,"marks":1138,"data":1139},[],{},{"nodeType":1074,"data":1141,"content":1142},{},[1143],{"nodeType":194,"data":1144,"content":1145},{},[1146],{"nodeType":198,"value":1091,"marks":1147,"data":1148},[],{},{"nodeType":1044,"data":1150,"content":1151},{},[1152,1174],{"nodeType":1074,"data":1153,"content":1154},{},[1155],{"nodeType":194,"data":1156,"content":1157},{},[1158,1161,1170],{"nodeType":198,"value":214,"marks":1159,"data":1160},[],{},{"nodeType":203,"data":1162,"content":1164},{"uri":1163},"https://www.clementine.fr/blog/comptabilite-social-et-juridique/gerant-majoritaire-minoritaire-ou-egalitaire-dune/",[1165],{"nodeType":198,"value":1166,"marks":1167,"data":1169},"Gérants majoritaires de SARL",[1168],{"type":211},{},{"nodeType":198,"value":1171,"marks":1172,"data":1173}," / EURL ",[],{},{"nodeType":1074,"data":1175,"content":1176},{},[1177],{"nodeType":194,"data":1178,"content":1179},{},[1180],{"nodeType":198,"value":1091,"marks":1181,"data":1182},[],{},{"nodeType":1044,"data":1184,"content":1185},{},[1186,1196],{"nodeType":1074,"data":1187,"content":1188},{},[1189],{"nodeType":194,"data":1190,"content":1191},{},[1192],{"nodeType":198,"value":1193,"marks":1194,"data":1195},"Associés de société de personnes",[],{},{"nodeType":1074,"data":1197,"content":1198},{},[1199],{"nodeType":194,"data":1200,"content":1201},{},[1202],{"nodeType":198,"value":1091,"marks":1203,"data":1204},[],{},{"nodeType":194,"data":1206,"content":1207},{},[1208],{"nodeType":198,"value":1209,"marks":1210,"data":1211},"Ces professionnels doivent être imposés dans les catégories suivantes :",[],{},{"nodeType":564,"data":1213,"content":1214},{},[1215,1237,1252],{"nodeType":543,"data":1216,"content":1217},{},[1218],{"nodeType":194,"data":1219,"content":1220},{},[1221,1224,1233],{"nodeType":198,"value":214,"marks":1222,"data":1223},[],{},{"nodeType":203,"data":1225,"content":1226},{"uri":1163},[1227],{"nodeType":198,"value":1228,"marks":1229,"data":1232},"BIC",[1230,1231],{"type":411},{"type":211},{},{"nodeType":198,"value":1234,"marks":1235,"data":1236}," (bénéfices industriels et commerciaux)",[],{},{"nodeType":543,"data":1238,"content":1239},{},[1240],{"nodeType":194,"data":1241,"content":1242},{},[1243,1248],{"nodeType":198,"value":1244,"marks":1245,"data":1247},"BNC ",[1246],{"type":411},{},{"nodeType":198,"value":1249,"marks":1250,"data":1251},"(bénéfices non commerciaux)",[],{},{"nodeType":543,"data":1253,"content":1254},{},[1255],{"nodeType":194,"data":1256,"content":1257},{},[1258,1261,1271],{"nodeType":198,"value":214,"marks":1259,"data":1260},[],{},{"nodeType":203,"data":1262,"content":1264},{"uri":1263},"https://www.clementine.fr/blog/taxes-et-impots/benefices-agricoles/",[1265],{"nodeType":198,"value":1266,"marks":1267,"data":1270},"BA",[1268,1269],{"type":411},{"type":211},{},{"nodeType":198,"value":1272,"marks":1273,"data":1274}," (bénéfices agricoles)",[],{},{"nodeType":194,"data":1276,"content":1277},{},[1278,1281,1286,1290,1299,1303,1308],{"nodeType":198,"value":665,"marks":1279,"data":1280},[],{},{"nodeType":198,"value":669,"marks":1282,"data":1285},[1283,1284],{"type":411},{"type":211},{},{"nodeType":198,"value":1287,"marks":1288,"data":1289}," : les ",[],{},{"nodeType":203,"data":1291,"content":1293},{"uri":1292},"https://www.clementine.fr/juridique/creation-micro-entreprise/",[1294],{"nodeType":198,"value":1295,"marks":1296,"data":1298},"micro-entrepreneurs",[1297],{"type":211},{},{"nodeType":198,"value":1300,"marks":1301,"data":1302}," peuvent souscrire certains contrats Madelin, mais ",[],{},{"nodeType":198,"value":1304,"marks":1305,"data":1307},"ils ne bénéficient généralement pas de la déduction fiscale",[1306],{"type":411},{},{"nodeType":198,"value":1309,"marks":1310,"data":1311},", car leur régime repose sur un abattement forfaitaire.",[],{},{"nodeType":400,"data":1313,"content":1314},{},[1315],{"nodeType":198,"value":1316,"marks":1317,"data":1318},"Quels sont les avantages de la loi Madelin ?",[],{},{"nodeType":194,"data":1320,"content":1321},{},[1322],{"nodeType":198,"value":1323,"marks":1324,"data":1325},"La loi Madelin présente plusieurs atouts pour les travailleurs indépendants, notamment en matière de fiscalité et de protection sociale.",[],{},{"nodeType":246,"data":1327,"content":1328},{},[1329],{"nodeType":198,"value":1330,"marks":1331,"data":1332},"Une déduction fiscale intéressante",[],{},{"nodeType":194,"data":1334,"content":1335},{},[1336,1340,1345],{"nodeType":198,"value":1337,"marks":1338,"data":1339},"Le principal avantage du dispositif est la ",[],{},{"nodeType":198,"value":1341,"marks":1342,"data":1344},"déduction des cotisations du revenu imposable",[1343],{"type":411},{},{"nodeType":198,"value":1346,"marks":1347,"data":1348},". Plus le niveau d’imposition est élevé, plus l’économie d’impôt peut être importante.",[],{},{"nodeType":194,"data":1350,"content":1351},{},[1352],{"nodeType":198,"value":1353,"marks":1354,"data":1355},"Exemple simplifié :",[],{},{"nodeType":1040,"data":1357,"content":1358},{},[1359,1392,1425],{"nodeType":1044,"data":1360,"content":1361},{},[1362,1372,1382],{"nodeType":1048,"data":1363,"content":1364},{},[1365],{"nodeType":194,"data":1366,"content":1367},{},[1368],{"nodeType":198,"value":1369,"marks":1370,"data":1371},"Cotisation annuelle",[],{},{"nodeType":1048,"data":1373,"content":1374},{},[1375],{"nodeType":194,"data":1376,"content":1377},{},[1378],{"nodeType":198,"value":1379,"marks":1380,"data":1381},"Taux d'imposition",[],{},{"nodeType":1048,"data":1383,"content":1384},{},[1385],{"nodeType":194,"data":1386,"content":1387},{},[1388],{"nodeType":198,"value":1389,"marks":1390,"data":1391},"Économie d'impôt",[],{},{"nodeType":1044,"data":1393,"content":1394},{},[1395,1405,1415],{"nodeType":1074,"data":1396,"content":1397},{},[1398],{"nodeType":194,"data":1399,"content":1400},{},[1401],{"nodeType":198,"value":1402,"marks":1403,"data":1404},"10 000 €",[],{},{"nodeType":1074,"data":1406,"content":1407},{},[1408],{"nodeType":194,"data":1409,"content":1410},{},[1411],{"nodeType":198,"value":1412,"marks":1413,"data":1414},"20 %",[],{},{"nodeType":1074,"data":1416,"content":1417},{},[1418],{"nodeType":194,"data":1419,"content":1420},{},[1421],{"nodeType":198,"value":1422,"marks":1423,"data":1424},"2 000 €",[],{},{"nodeType":1044,"data":1426,"content":1427},{},[1428,1437,1447],{"nodeType":1074,"data":1429,"content":1430},{},[1431],{"nodeType":194,"data":1432,"content":1433},{},[1434],{"nodeType":198,"value":1402,"marks":1435,"data":1436},[],{},{"nodeType":1074,"data":1438,"content":1439},{},[1440],{"nodeType":194,"data":1441,"content":1442},{},[1443],{"nodeType":198,"value":1444,"marks":1445,"data":1446},"30 %",[],{},{"nodeType":1074,"data":1448,"content":1449},{},[1450],{"nodeType":194,"data":1451,"content":1452},{},[1453],{"nodeType":198,"value":1454,"marks":1455,"data":1456},"3 000 €",[],{},{"nodeType":194,"data":1458,"content":1459},{},[1460,1464,1469],{"nodeType":198,"value":1461,"marks":1462,"data":1463},"Cette optimisation fiscale peut rendre l’épargne ou l’assurance ",[],{},{"nodeType":198,"value":1465,"marks":1466,"data":1468},"beaucoup plus accessible",[1467],{"type":411},{},{"nodeType":198,"value":684,"marks":1470,"data":1471},[],{},{"nodeType":194,"data":1473,"content":1474},{},[1475,1478,1483,1487,1492],{"nodeType":198,"value":665,"marks":1476,"data":1477},[],{},{"nodeType":198,"value":669,"marks":1479,"data":1482},[1480,1481],{"type":411},{"type":211},{},{"nodeType":198,"value":1484,"marks":1485,"data":1486}," : les plafonds de déduction dépendent notamment du ",[],{},{"nodeType":198,"value":1488,"marks":1489,"data":1491},"PASS (plafond annuel de la Sécurité sociale)",[1490],{"type":411},{},{"nodeType":198,"value":1493,"marks":1494,"data":1495}," et du revenu professionnel.",[],{},{"nodeType":246,"data":1497,"content":1498},{},[1499],{"nodeType":198,"value":1500,"marks":1501,"data":1502},"Une meilleure protection sociale",[],{},{"nodeType":194,"data":1504,"content":1505},{},[1506],{"nodeType":198,"value":1507,"marks":1508,"data":1509},"Les travailleurs indépendants bénéficient souvent d’une couverture sociale moins protectrice que les salariés.",[],{},{"nodeType":194,"data":1511,"content":1512},{},[1513],{"nodeType":198,"value":1514,"marks":1515,"data":1516},"Les contrats Madelin permettent donc :",[],{},{"nodeType":564,"data":1518,"content":1519},{},[1520,1539,1557],{"nodeType":543,"data":1521,"content":1522},{},[1523],{"nodeType":194,"data":1524,"content":1525},{},[1526,1530,1535],{"nodeType":198,"value":1527,"marks":1528,"data":1529},"d’obtenir une ",[],{},{"nodeType":198,"value":1531,"marks":1532,"data":1534},"meilleure mutuelle santé",[1533],{"type":411},{},{"nodeType":198,"value":1536,"marks":1537,"data":1538},",",[],{},{"nodeType":543,"data":1540,"content":1541},{},[1542],{"nodeType":194,"data":1543,"content":1544},{},[1545,1549,1554],{"nodeType":198,"value":1546,"marks":1547,"data":1548},"de percevoir des ",[],{},{"nodeType":198,"value":1550,"marks":1551,"data":1553},"indemnités en cas d’arrêt de travail",[1552],{"type":411},{},{"nodeType":198,"value":1536,"marks":1555,"data":1556},[],{},{"nodeType":543,"data":1558,"content":1559},{},[1560],{"nodeType":194,"data":1561,"content":1562},{},[1563,1567,1572],{"nodeType":198,"value":1564,"marks":1565,"data":1566},"de protéger ses proches en cas de ",[],{},{"nodeType":198,"value":1568,"marks":1569,"data":1571},"décès ou d’invalidité",[1570],{"type":411},{},{"nodeType":198,"value":684,"marks":1573,"data":1574},[],{},{"nodeType":194,"data":1576,"content":1577},{},[1578],{"nodeType":198,"value":1579,"marks":1580,"data":1581},"Pour un dirigeant ou un freelance, cette sécurité peut être essentielle.",[],{},{"nodeType":246,"data":1583,"content":1584},{},[1585],{"nodeType":198,"value":1586,"marks":1587,"data":1588},"Une préparation efficace de la retraite",[],{},{"nodeType":194,"data":1590,"content":1591},{},[1592],{"nodeType":198,"value":1593,"marks":1594,"data":1595},"La retraite des indépendants est souvent plus faible que celle des salariés. Grâce aux contrats Madelin (ou désormais au PER), il est possible de :",[],{},{"nodeType":564,"data":1597,"content":1598},{},[1599,1613,1623],{"nodeType":543,"data":1600,"content":1601},{},[1602],{"nodeType":194,"data":1603,"content":1604},{},[1605,1610],{"nodeType":198,"value":1606,"marks":1607,"data":1609},"constituer une épargne sur le long terme",[1608],{"type":411},{},{"nodeType":198,"value":1536,"marks":1611,"data":1612},[],{},{"nodeType":543,"data":1614,"content":1615},{},[1616],{"nodeType":194,"data":1617,"content":1618},{},[1619],{"nodeType":198,"value":1620,"marks":1621,"data":1622},"compléter sa retraite obligatoire,",[],{},{"nodeType":543,"data":1624,"content":1625},{},[1626],{"nodeType":194,"data":1627,"content":1628},{},[1629],{"nodeType":198,"value":1630,"marks":1631,"data":1632},"sécuriser ses revenus futurs.",[],{},{"nodeType":246,"data":1634,"content":1635},{},[1636],{"nodeType":198,"value":1637,"marks":1638,"data":1639},"Des contrats modulables",[],{},{"nodeType":194,"data":1641,"content":1642},{},[1643,1647,1652],{"nodeType":198,"value":1644,"marks":1645,"data":1646},"Les contrats Madelin offrent souvent ",[],{},{"nodeType":198,"value":1648,"marks":1649,"data":1651},"plusieurs niveaux de garanties",[1650],{"type":411},{},{"nodeType":198,"value":1653,"marks":1654,"data":1655},". Il est possible de choisir :",[],{},{"nodeType":564,"data":1657,"content":1658},{},[1659,1669,1679],{"nodeType":543,"data":1660,"content":1661},{},[1662],{"nodeType":194,"data":1663,"content":1664},{},[1665],{"nodeType":198,"value":1666,"marks":1667,"data":1668},"le montant des cotisations,",[],{},{"nodeType":543,"data":1670,"content":1671},{},[1672],{"nodeType":194,"data":1673,"content":1674},{},[1675],{"nodeType":198,"value":1676,"marks":1677,"data":1678},"les garanties,",[],{},{"nodeType":543,"data":1680,"content":1681},{},[1682],{"nodeType":194,"data":1683,"content":1684},{},[1685],{"nodeType":198,"value":1686,"marks":1687,"data":1688},"le niveau de couverture.",[],{},{"nodeType":194,"data":1690,"content":1691},{},[1692,1696,1701],{"nodeType":198,"value":1693,"marks":1694,"data":1695},"Cette flexibilité permet d’adapter la protection sociale ",[],{},{"nodeType":198,"value":1697,"marks":1698,"data":1700},"à la situation professionnelle et familiale",[1699],{"type":411},{},{"nodeType":198,"value":684,"marks":1702,"data":1703},[],{},{"nodeType":400,"data":1705,"content":1706},{},[1707],{"nodeType":198,"value":1708,"marks":1709,"data":1710},"Quels sont les inconvénients de la loi Madelin ?",[],{},{"nodeType":194,"data":1712,"content":1713},{},[1714],{"nodeType":198,"value":1715,"marks":1716,"data":1717},"Malgré ses avantages, la loi Madelin comporte également certaines limites qu’il est important de connaître.",[],{},{"nodeType":246,"data":1719,"content":1720},{},[1721],{"nodeType":198,"value":1722,"marks":1723,"data":1724},"Une épargne souvent bloquée",[],{},{"nodeType":194,"data":1726,"content":1727},{},[1728,1732,1737,1741,1750],{"nodeType":198,"value":1729,"marks":1730,"data":1731},"Dans le cas des contrats retraite Madelin, les fonds versés sont généralement ",[],{},{"nodeType":198,"value":1733,"marks":1734,"data":1736},"bloqués jusqu’à la retraite",[1735],{"type":411},{},{"nodeType":198,"value":1738,"marks":1739,"data":1740},". Les possibilités de retrait anticipé restent très limitées (invalidité, ",[],{},{"nodeType":203,"data":1742,"content":1744},{"uri":1743},"https://www.clementine.fr/blog/comptabilite-social-et-juridique/liquidateur-judiciaire/",[1745],{"nodeType":198,"value":1746,"marks":1747,"data":1749},"liquidation judiciaire",[1748],{"type":211},{},{"nodeType":198,"value":1751,"marks":1752,"data":1753},", surendettement, etc.).",[],{},{"nodeType":194,"data":1755,"content":1756},{},[1757],{"nodeType":198,"value":1758,"marks":1759,"data":1760},"Cela peut être contraignant pour les indépendants ayant besoin de liquidités.",[],{},{"nodeType":246,"data":1762,"content":1763},{},[1764],{"nodeType":198,"value":1765,"marks":1766,"data":1767},"Une rente imposable à la retraite",[],{},{"nodeType":194,"data":1769,"content":1770},{},[1771],{"nodeType":198,"value":1772,"marks":1773,"data":1774},"La rente versée à la retraite n’est pas totalement exonérée d’impôts. Elle est :",[],{},{"nodeType":564,"data":1776,"content":1777},{},[1778,1806],{"nodeType":543,"data":1779,"content":1780},{},[1781],{"nodeType":194,"data":1782,"content":1783},{},[1784,1788,1793,1803],{"nodeType":198,"value":1785,"marks":1786,"data":1787},"soumise à ",[],{},{"nodeType":198,"value":1789,"marks":1790,"data":1792},"l’",[1791],{"type":411},{},{"nodeType":203,"data":1794,"content":1796},{"uri":1795},"https://www.clementine.fr/blog/taxes-et-impots/le-regime-de-limpot-sur-le-revenu-ir/",[1797],{"nodeType":198,"value":1798,"marks":1799,"data":1802},"impôt sur le revenu",[1800,1801],{"type":411},{"type":211},{},{"nodeType":198,"value":1536,"marks":1804,"data":1805},[],{},{"nodeType":543,"data":1807,"content":1808},{},[1809],{"nodeType":194,"data":1810,"content":1811},{},[1812,1815,1820],{"nodeType":198,"value":1785,"marks":1813,"data":1814},[],{},{"nodeType":198,"value":1816,"marks":1817,"data":1819},"la CSG et la CRDS",[1818],{"type":411},{},{"nodeType":198,"value":684,"marks":1821,"data":1822},[],{},{"nodeType":194,"data":1824,"content":1825},{},[1826,1830,1835],{"nodeType":198,"value":1827,"marks":1828,"data":1829},"L’avantage fiscal est donc obtenu ",[],{},{"nodeType":198,"value":1831,"marks":1832,"data":1834},"pendant la phase d’épargne",[1833],{"type":411},{},{"nodeType":198,"value":1836,"marks":1837,"data":1838},", mais la rente reste fiscalisée.",[],{},{"nodeType":246,"data":1840,"content":1841},{},[1842],{"nodeType":198,"value":1843,"marks":1844,"data":1845},"Des cotisations parfois contraignantes",[],{},{"nodeType":194,"data":1847,"content":1848},{},[1849,1853,1858],{"nodeType":198,"value":1850,"marks":1851,"data":1852},"Certains contrats Madelin imposent ",[],{},{"nodeType":198,"value":1854,"marks":1855,"data":1857},"des versements réguliers",[1856],{"type":411},{},{"nodeType":198,"value":1859,"marks":1860,"data":1861},". Pour un entrepreneur dont les revenus sont variables, cela peut représenter une contrainte financière.",[],{},{"nodeType":194,"data":1863,"content":1864},{},[1865,1868,1873,1877,1882],{"nodeType":198,"value":665,"marks":1866,"data":1867},[],{},{"nodeType":198,"value":669,"marks":1869,"data":1872},[1870,1871],{"type":211},{"type":411},{},{"nodeType":198,"value":1874,"marks":1875,"data":1876}," : il est important de vérifier les conditions du contrat, notamment les ",[],{},{"nodeType":198,"value":1878,"marks":1879,"data":1881},"modalités de versement minimum",[1880],{"type":411},{},{"nodeType":198,"value":684,"marks":1883,"data":1884},[],{},{"nodeType":246,"data":1886,"content":1887},{},[1888],{"nodeType":198,"value":1889,"marks":1890,"data":1891},"Un dispositif parfois moins flexible que le PER",[],{},{"nodeType":194,"data":1893,"content":1894},{},[1895,1899,1904],{"nodeType":198,"value":1896,"marks":1897,"data":1898},"Depuis la réforme de l’épargne retraite, le ",[],{},{"nodeType":198,"value":1900,"marks":1901,"data":1903},"Plan d’Épargne Retraite (PER)",[1902],{"type":411},{},{"nodeType":198,"value":1905,"marks":1906,"data":1907}," offre souvent davantage de flexibilité :",[],{},{"nodeType":564,"data":1909,"content":1910},{},[1911,1921,1931],{"nodeType":543,"data":1912,"content":1913},{},[1914],{"nodeType":194,"data":1915,"content":1916},{},[1917],{"nodeType":198,"value":1918,"marks":1919,"data":1920},"possibilité de sortie en capital,",[],{},{"nodeType":543,"data":1922,"content":1923},{},[1924],{"nodeType":194,"data":1925,"content":1926},{},[1927],{"nodeType":198,"value":1928,"marks":1929,"data":1930},"déblocage pour l’achat de la résidence principale,",[],{},{"nodeType":543,"data":1932,"content":1933},{},[1934],{"nodeType":194,"data":1935,"content":1936},{},[1937],{"nodeType":198,"value":1938,"marks":1939,"data":1940},"gestion plus souple des versements.",[],{},{"nodeType":194,"data":1942,"content":1943},{},[1944,1948,1953],{"nodeType":198,"value":1945,"marks":1946,"data":1947},"Pour certains indépendants, le PER peut donc être ",[],{},{"nodeType":198,"value":1949,"marks":1950,"data":1952},"plus adapté qu’un ancien contrat Madelin",[1951],{"type":411},{},{"nodeType":198,"value":684,"marks":1954,"data":1955},[],{},{"nodeType":400,"data":1957,"content":1958},{},[1959],{"nodeType":198,"value":1960,"marks":1961,"data":1962},"Faut-il choisir la loi Madelin en 2026 ?",[],{},{"nodeType":194,"data":1964,"content":1965},{},[1966,1970,1975],{"nodeType":198,"value":1967,"marks":1968,"data":1969},"La loi Madelin reste un dispositif intéressant pour les travailleurs non salariés qui souhaitent ",[],{},{"nodeType":198,"value":1971,"marks":1972,"data":1974},"améliorer leur protection sociale tout en optimisant leur fiscalité",[1973],{"type":411},{},{"nodeType":198,"value":684,"marks":1976,"data":1977},[],{},{"nodeType":194,"data":1979,"content":1980},{},[1981],{"nodeType":198,"value":1982,"marks":1983,"data":1984},"Elle peut être particulièrement pertinente pour :",[],{},{"nodeType":564,"data":1986,"content":1987},{},[1988,1998,2008],{"nodeType":543,"data":1989,"content":1990},{},[1991],{"nodeType":194,"data":1992,"content":1993},{},[1994],{"nodeType":198,"value":1995,"marks":1996,"data":1997},"les indépendants fortement imposés,",[],{},{"nodeType":543,"data":1999,"content":2000},{},[2001],{"nodeType":194,"data":2002,"content":2003},{},[2004],{"nodeType":198,"value":2005,"marks":2006,"data":2007},"les dirigeants souhaitant préparer leur retraite,",[],{},{"nodeType":543,"data":2009,"content":2010},{},[2011],{"nodeType":194,"data":2012,"content":2013},{},[2014],{"nodeType":198,"value":2015,"marks":2016,"data":2017},"les professionnels ayant besoin d’une meilleure couverture santé ou prévoyance.",[],{},{"nodeType":194,"data":2019,"content":2020},{},[2021,2025,2030],{"nodeType":198,"value":2022,"marks":2023,"data":2024},"Cependant, ce dispositif présente aussi certaines contraintes, notamment en matière de ",[],{},{"nodeType":198,"value":2026,"marks":2027,"data":2029},"blocage de l’épargne et de fiscalité à la sortie",[2028],{"type":411},{},{"nodeType":198,"value":684,"marks":2031,"data":2032},[],{},{"nodeType":194,"data":2034,"content":2035},{},[2036,2040,2045],{"nodeType":198,"value":2037,"marks":2038,"data":2039},"Avant de souscrire, il peut donc être utile d’analyser sa situation globale : revenus, objectifs de retraite, besoins de protection sociale et solutions alternatives comme le ",[],{},{"nodeType":198,"value":2041,"marks":2042,"data":2044},"PER",[2043],{"type":411},{},{"nodeType":198,"value":684,"marks":2046,"data":2047},[],{},{"nodeType":194,"data":2049,"content":2050},{},[2051,2055,2064],{"nodeType":198,"value":2052,"marks":2053,"data":2054},"👉 ",[],{},{"nodeType":203,"data":2056,"content":2058},{"uri":2057},"https://app.clementine.fr/appointment?idType=26",[2059],{"nodeType":198,"value":2060,"marks":2061,"data":2063},"Les experts Clementine.fr",[2062],{"type":211},{},{"nodeType":198,"value":2065,"marks":2066,"data":2067}," peuvent peuvent vous aider à déterminer si un contrat Madelin est réellement adapté à votre situation.",[],{},{"nodeType":400,"data":2069,"content":2070},{},[2071],{"nodeType":198,"value":2072,"marks":2073,"data":2074},"FAQ",[],{},{"nodeType":246,"data":2076,"content":2077},{},[2078],{"nodeType":198,"value":2079,"marks":2080,"data":2081},"Comment savoir si ma Mutuelle est loi Madelin ?",[],{},{"nodeType":194,"data":2083,"content":2084},{},[2085,2089,2094,2098,2102],{"nodeType":198,"value":2086,"marks":2087,"data":2088},"Pour savoir si votre mutuelle relève de la loi Madelin, vérifiez simplement que votre contrat mentionne explicitement la ",[],{},{"nodeType":198,"value":2090,"marks":2091,"data":2093},"déductibilité fiscale Madelin",[2092],{"type":411},{},{"nodeType":198,"value":2095,"marks":2096,"data":2097}," et qu’il est destiné aux ",[],{},{"nodeType":198,"value":1025,"marks":2099,"data":2101},[2100],{"type":411},{},{"nodeType":198,"value":2103,"marks":2104,"data":2105},". ",[],{},{"nodeType":246,"data":2107,"content":2108},{},[2109],{"nodeType":198,"value":2110,"marks":2111,"data":2112},"Est-ce que les cotisations Madelin sont déductibles de mon impôt sur le revenu ?",[],{},{"nodeType":194,"data":2114,"content":2115},{},[2116,2120,2125],{"nodeType":198,"value":2117,"marks":2118,"data":2119},"Oui, les cotisations versées dans le cadre d’un contrat Madelin sont ",[],{},{"nodeType":198,"value":2121,"marks":2122,"data":2124},"déductibles du revenu professionnel imposable",[2123],{"type":411},{},{"nodeType":198,"value":2126,"marks":2127,"data":2128},", dans la limite des plafonds fiscaux prévus par la réglementation.",[],{},"Découvrez la loi Madelin : avantages et inconvénients pour les indépendants et optimisez votre protection sociale tout en maîtrisant vos cotisations.",["Island",2131],{"key":2132,"result":2133},"FooterRight_xChizOkZHtfKMx5OucLyrTuMks1upRtLOjoJMGXqo",{"head":2134},{},["Island",2136],{"key":2137,"result":2138},"FooterBottom_SscEr0q32ZkdOufuXx5gAIgjWbNuigcJd3pxKDYeqc",{"head":2139},{},["Island",2141],{"key":2142,"result":2143},"PromotionBarContent_qgH3DzkwsibRJb04DapaWuiLSDmQOKgVzF5L49Ow20",{"head":2144},{},["Island",2146],{"key":2147,"result":2148},"PromotionModalContent_Djo69sGGP7gOnSn6zLgYPPnxq9dVaG0JrR147xTmAE",{"head":2149},{},["Island",2151],{"key":2152,"result":2153},"BlogArticleTocLinks_fpbAhXoBfB4vUbplrngVK89UQO95gfubVzdmPH2MnM",{"head":2154},{},["Island",2156],{"key":2157,"result":2158},"BlogArticleContent_pTS120v9AjwH6XT6BQF904UWL7KdiBmsKVDQ1T9dw4",{"head":2159},{"link":2160,"script":2166},[2161],{"rel":2162,"as":2163,"href":2164,"imagesizes":2165},"preload","image","https://images.ctfassets.net/97bcek6xbwhd/1lroRRk8cpfJmv7J61aQ3y/e9986ab6d70186701382bf46a2ba050d/loi_madelin.webp?w=1536&h=864&fm=webp","(max-width: 768px) 100vw, (max-width: 1024px) 100vw, (max-width: 1280px) 50vw, (max-width: 1536px) 50vw, 50vw",[2167],{"type":2168,"key":2169,"nodes":2170,"tagPriority":2176,"data-nuxt-schema-org":2177},"application/ld+json","schema-org-graph",[2171,2174],{"name":2079,"acceptedAnswer":2172,"_resolver":2173},"\u003Cp>Pour savoir si votre mutuelle relève de la loi Madelin, vérifiez simplement que votre contrat mentionne explicitement la \u003Cb>déductibilité fiscale Madelin\u003C/b> et qu’il est destiné aux \u003Cb>travailleurs non salariés (TNS)\u003C/b>. \u003C/p>","question",{"name":2110,"acceptedAnswer":2175,"_resolver":2173},"\u003Cp>Oui, les cotisations versées dans le cadre d’un contrat Madelin sont \u003Cb>déductibles du revenu professionnel imposable\u003C/b>, dans la limite des plafonds fiscaux prévus par la réglementation.\u003C/p>","high",true,["Island",2179],{"key":2180,"result":2181},"BlogSectionRelated_VHOfytyEAYw9gzmNquluyNdmdK6Qxp6Xg1D7z8y2wE",{"head":2182},{},"3240",1775645489169]