In a constantly evolving economic context, the situation of French businesses, especially small and medium-sized enterprises, is causing deep concerns. The national credit mediator, Frédéric Visnosky, recently highlighted the challenges faced by business leaders during a meeting with bankers in Montauban. Business failures, increasingly affecting significant SMEs, raise an alarm about the state of our economy, posing crucial questions for the future of entrepreneurs and employment in France.
This topic deserves to be explored in depth, as it involves not only the national economy but also the dynamics of small businesses, access to credit, and the role of financial institutions such as Banque de France, Crédit Agricole, or BNP Paribas in the sustainability of this sector. Let’s dissect this issue together, which strikes at the heart of French entrepreneurship.
The deteriorating situation of small businesses: an alarming observation
Frédéric Visnosky didn’t mince his words in pointing out a worrying deterioration in the economic health of small French businesses. “The situation of small businesses has worsened since 2024,” he stated. One can truly embark on a journey through the challenges faced by these executives, who, after receiving support through post-Covid public aid, see their cash flows tightening. Payment delays are increasing, with an extension of over two days in two years, a troubling trend that puts more pressure on an already fragile class.
By examining the figures more closely, it becomes clear that the situation is not just a matter of size. “Since late 2024, we have been destroying more jobs than we create,” he points out. Companies must navigate through a sea of uncertainties, oscillating between preserved purchasing power and an anxiety-inducing economic future.
A slowdown in business creation
The observation is clear: business creation suffers from a glaring lack of preparation. Visnosky even suggests the idea of an “entrepreneurship license,” similar to a driver’s license. A concept that invites reflection on the need for better coaching in the preparation of executives. How can one envision a serene future without adequate training to handle financial uncertainties? This issue highlights that even the use of chartered accountants does not necessarily guarantee security. The emergence of fake chartered accountants in regions like Île-de-France is a scourge that requires special attention from financial authorities.
Here is an overview of the concerns related to business creation highlighted by Frédéric Visnosky:
- 🔍 Lack of preparation among executives
- ⚡ Risks associated with lack of support
- 🛑 Proliferation of fake chartered accountants
- 📉 Impact on the economic health of businesses
For better guidance and a serene future
The national credit mediator is about to submit a report to Véronique Louwagie, delegated minister, to make recommendations in the face of a tense business climate. It is crucial to anticipate the impact these measures will have on the sustainability of businesses and employment in France. The support of institutions such as Société Générale, Crédit Mutuel, and Caisse d’Épargne will be essential in this dynamic.
The climate of uncertainty: a tangible reality
During a meeting with the departmental director of the Banque de France, Michèle Brogi, the majority of bankers present shared feelings of cautiousness and concern. “The business climate right now is calm,” she said, highlighting a lack of visibility that affects the decision-making of companies.
Several financial decision-makers indicated that uncertainty does not only affect small players: even large companies must navigate through a changing economic environment today. The U-turns of political figures, such as Donald Trump on tariffs, reinforce this climate of uncertainty where each economic decision can have significant ramifications.
Impact on businesses: a vicious circle
In this context, several issues emerge, including:
- 💡 Lack of market visibility
- 🛑 Difficulties in anticipating economic fluctuations
- 📉 Risk of increased business failures
- 🚧 Unequal treatment across sectors
Companies must show resilience to overcome these challenges, but how does one remain strong in an uncertain environment?
Sustained consumption, but for how long?
It is also worth noting that consumption remains, for now, a crucial pillar for maintaining economic growth. Thanks to preserved purchasing power, the French continue to spend. However, a fundamental question remains: will this be enough to offset potential activity declines in the business context? To avoid further deterioration, it will be necessary to ensure that companies have the means to continue operating, and this inevitably involves adequate financial support from banks like La Banque Postale, ING Direct, or LCL.
Key figures on business failures
Looking at the figures in Tarn-et-Garonne, Michèle Brogi revealed a troubling reality. Although failures are within the regional average, they increasingly affect SMEs previously considered robust. In 2024, the construction sector alone recorded 71 judicial liquidations, followed by commerce and accommodation/restoration. These data raise questions and prompt us to examine the future of various industries.
| Industry Sector | Number of Liquidations (2024) |
|---|---|
| Construction | 71 |
| Commerce | 48 |
| Accommodation/Restoration | 36 |
| Technical Activities and Administrative Services | 24 |
| Industry | 16 |
| Agriculture | 13 |
| Real Estate | 11 |
This table highlights the different sectors and reveals the real challenges faced by SMEs and micro-enterprises, which must juggle between survival and prosperity. In this context, what levers can be activated to stabilize these businesses and prevent bankruptcy?
Agriculture at two speeds
Regarding the agricultural sector, a source of vitality for the local economy, certain sectors bear the burden of a precarious balance. As noted by Michèle Brogi, financial results can differ from one sector to another. While arboriculture, especially in apple production, generates good profitability, some cereal farmers or winegrowers face turbulence. Preserving this balance is crucial since it conditions not only businesses but also the entire sector.
FAQ
What are the main causes of business failures in 2025?
Business failures in 2025 are mainly due to payment delays, reduced market visibility, and poor financial management.
How can banks help companies face their challenges?
Banks like Crédit Agricole and BNP Paribas offer tailored financing solutions, management advice, and support for entrepreneurs.
Which sectors are most affected by business failures?
The construction, commerce, and accommodation/restoration sectors are among the most affected by business failures.
What measures does Frédéric Visnosky recommend for entrepreneurs?
Frédéric Visnosky calls for the implementation of an “entrepreneurship license” and enhanced training for executives to better anticipate economic challenges.
What role does the agricultural sector play in the economy of Tarn-et-Garonne?
The agricultural sector is essential in the economy of Tarn-et-Garonne, presenting varying results across sectors, with strength in arboriculture but challenges to overcome for viticulture and cereal crops.
