Asset-holding company
Creation of a holding company to hold professional and asset participations: tax optimisation (parent-subsidiary regime), centralisation, easier transfer.
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Protecting your personal assets from the risks of your professional activity requires a comprehensive approach combining legal tools, corporate structures and matrimonial choices. We build bespoke asset strategies, in articulation with your wealth management adviser and your tax specialist, to secure your assets and prepare their transfer.
→ What we cover
Creation of a holding company to hold professional and asset participations: tax optimisation (parent-subsidiary regime), centralisation, easier transfer.
Property company (société civile immobilière) to hold real estate assets: structured management, dismemberment of shares, optimised transfer, choice of tax regime (income tax or corporate tax).
Separation of usufruct / bare ownership to transfer bare ownership to the children while retaining the income, optimisation of transfer duties.
Life insurance architecture to complement corporate tools: guaranteed capital, advantageous taxation on death, strategic beneficiary designation.
The fiducie as a tool for protection or transfer, in specific cases (securing transactions, guarantees, complex estates).
Articulation of the various tools (holding company, SCI, dismemberment, life insurance) in line with the matrimonial regime, the transfer and overall taxation.
→ Our approach
01
Comprehensive analysis of the assets (professional and personal), the risks, the objectives (protection, income, transfer) and the constraints (family, tax).
02
Design of an overall strategy combining legal, corporate, matrimonial and insurance tools, in connection with your wealth and tax adviser.
03
Creation of the structures (holding company, SCI), carrying out the operations (contributions, gifts, dismemberments), formalisation of the asset deeds.
04
Periodic review of the strategy according to changes in assets, family circumstances and legislation, adjustments and additions.
→ Who we help
Contribution of participations to an asset-holding company to centralise, optimise taxation (parent-subsidiary regime) and prepare the transfer to the children.
Setting up an SCI to hold family real estate assets, with dismemberment of shares between parents (usufruct) and children (bare ownership) to optimise the transfer.
Asset reorganisation after the sale of a business: holding company for reinvestment, SCI for real estate, life insurance for liquidity, gifts for the transfer.
Implementation of protective structures before launching an activity presenting risks (industrial, sector-specific): isolation of personal assets, separation of property.
→ Q&A
Several advantages: centralisation of participations, tax optimisation (parent-subsidiary regime allowing dividends to flow up almost tax-free), easier transfer (transferring the shares of the holding company rather than the assets), asset protection.
The income-tax SCI is fiscally transparent: income is taxed at the level of the partners. The corporate-tax SCI depreciates the property and deducts all expenses, but the exit is more heavily taxed. The choice depends on the holding strategy (long term, short term, transfer).
The separation between the usufruct (the right to enjoy and receive the income) and the bare ownership (the right to dispose of the property). It allows you to transfer the bare ownership to the children while retaining the income, with lighter transfer taxation. Automatic reconstitution on the death of the usufructuary.
Yes, on several counts: a savings envelope with advantageous taxation on withdrawal after 8 years, transfer outside the succession within the limits of the applicable rules, flexible beneficiary designation. A tool that complements legal structures.
→ Go further
Let's talk. We respond within one business day to qualify your transaction and direct you to the firm's most suitable lawyer.
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