Depuis le 15 mai dernier, les entrepreneurs individuels relèvent d’un statut unique qui se caractérise par la séparation de leur patrimoine en deux patrimoines distincts. Ainsi, ils disposent désormais d’un patrimoine professionnel, qui est composé des biens « utiles » à leur activité, et d’un patrimoine personnel, qui est composé des autres biens.
Gros avantage de ce nouveau statut : sauf quelques exceptions, seuls les biens composant le patrimoine professionnel de l’entrepreneur individuel sont exposés aux poursuites de ses créanciers professionnels. Ses autres biens (donc ceux compris dans son patrimoine personnel, à savoir une résidence, des actifs mobiliers, une voiture…) sont, quant à eux, à l’abri des convoitises de ces derniers.
Cette protection vaut aussi en cas de mise en redressement ou en liquidation judiciaire. En effet, dans ce cas, les biens personnels de l’entrepreneur ne pourront pas être vendus par le liquidateur judiciaire en vue de régler le passif de l’entreprise.
Saisir le tribunal
En pratique, lorsqu’un entrepreneur individuel connaît des difficultés financières et ne parvient plus à régler ses dettes, il doit, que ces dettes soient personnelles ou professionnelles, saisir le tribunal de commerce ou le tribunal judiciaire, selon sa profession, et lui transmettre un certain nombre de documents, notamment la situation de sa trésorerie, le montant de ses créances et de ses dettes, les sûretés qu’il a éventuellement consenties, les biens, droits et obligations relevant de chacun de ses deux patrimoines (professionnel et personnel) ainsi que, le cas échéant, les actes de renonciation à la protection de son patrimoine personnel qu’il a souscrits à l’égard de tel ou tel créancier professionnel.
Le tribunal procèdera alors de la manière suivante. Lorsque l’entrepreneur individuel sera en état de cessation des paiements seulement sur son patrimoine professionnel, il ouvrira une procédure collective. Lorsque les dettes ne concerneront que son patrimoine personnel, le tribunal renverra le dossier vers la commission du surendettement. Enfin, dernière hypothèse, lorsque les dettes concerneront tant son patrimoine personnel que son patrimoine professionnel, que la distinction de ses patrimoines professionnel et personnel aura été strictement respectée, et que le droit de gage de ses créanciers professionnels ne portera pas sur son patrimoine personnel, le tribunal pourra ouvrir une procédure collective pour le traitement de ses dettes concernant son patrimoine professionnel et saisir la commission de surendettement pour ses dettes concernant son patrimoine personnel.
Précision : pour bénéficier de la procédure de surendettement, l’entrepreneur devra le demander soit au moment de la saisine du tribunal, soit au cours de l’audience devant le tribunal. Si le tribunal décide de transmettre le dossier à la commission de surendettement, les créanciers signalés par l’entrepreneur en seront informés.
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