Yes! You can absolutely create a company while retired. It’s a great way to supplement your pension, stay active, and share your expertise. But there are a few rules you should know before starting. Here’s everything you need to know 👇
1️⃣ Can I receive my pension while running a business?
✅ Yes, there’s no legal restriction! You can run a business and earn extra income.
✅ Yes, but there are some rules depending on your retirement scheme (especially if you were a public servant).
💡 Candosa Tip: If you retired with full pension benefits, you can freely earn as much as you want. If you retired early, there may be limits. Let’s break it down 👇
2️⃣ Will my pension be reduced if I start a business?
It depends on your retirement plan 📜 :
🔹 If you retired with full benefits → No income limits! You can fully combine your pension and business earnings. 🎉
🔹 If you took early retirement → There may be income caps, and exceeding them could reduce your pension.
💡 Candosa Tip: To avoid surprises, check with your retirement fund before starting your business.
3️⃣ Which business structure is best for me?
📌 It depends on how much you want to earn and how you want to contribute :
🔹 SASU → Best for maximizing income through a salary + dividends mix, keeping good health coverage without excessive contributions.
🔹 EURL → Best for stability and stronger social protection, especially if you want extra retirement contributions.
🔹 Micro-Enterprise → If you want a simple, hassle-free setup with low social charges, but without the option to contribute to extra retirement benefits.
💡 Candosa Tip: Want higher income? → SASU. Want social security? → EURL. Want simplicity? → Micro-Enterprise.
4️⃣ Will I have to pay social charges?
✅ Yes, but it depends on the business structure you choose:
SASU → Contributions only on your salary, not on dividends, making it tax-efficient.
EURL → Contributions on total income but stronger social security.
Micro-Enterprise → Low charges but no extra pension contributions.
💡 Candosa Tip: If you want to keep most of your earnings while maintaining social benefits, SASU is a great choice!
5️⃣ Why start a business when retired?
🎯 Want to earn extra while staying independent? It’s a smart move!
✅ Work on your own terms : No boss, full flexibility.
✅ Keep more of your money : Choose a structure that lets you keep most of your income.
✅ Share your expertise : Consulting, coaching, arts & crafts—your skills are valuable!
💡 Candosa Tip: Whether you want to offer consulting, sell products, or launch a passion project, Candosa makes it simple. 🚀
🚀 Why Choose Candosa to Start a Business While Retired?
✅ Hassle-free : We handle everything while you focus on your project.
✅ Fast & efficient : Capital deposit, registration, business account → all in one platform.
✅ Expert support : We help you choose the best structure for your needs.
Want to enjoy retirement while earning extra income? Candosa has your back. 🚀