{"id":13065,"date":"2022-05-20T14:13:57","date_gmt":"2022-05-20T12:13:57","guid":{"rendered":"https:\/\/prod-migration-second.local\/?p=13065"},"modified":"2024-11-12T11:33:39","modified_gmt":"2024-11-12T10:33:39","slug":"principal-ou-complementaire-le-meilleur-choix","status":"publish","type":"post","link":"https:\/\/www.accountable.eu\/fr-be\/blog\/principal-ou-complementaire-le-meilleur-choix\/","title":{"rendered":"Ind\u00e9pendant \u00e0 titre principal ou compl\u00e9mentaire\u202f: quel est le meilleur choix\u2009?"},"content":{"rendered":"<p><b><span data-contrast=\"auto\">Vous avez envie de devenir ind\u00e9pendant(e), mais vaut-il mieux vous lancer <\/span><\/b><b><span data-contrast=\"auto\">\u00e0 titre principal ou compl\u00e9mentaire<\/span><\/b><b><span data-contrast=\"auto\">\u2009? On ne peut pas toujours d\u00e9cider\u202f: dans certaines situations, vous n\u2019avez d\u2019autres choix que d\u2019opter pour une activit\u00e9 compl\u00e9mentaire. Mais que faire si vous avez le choix\u2009? Nous comparons les 2.<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Quelle est votre situation professionnelle\u2009?<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">Devenir ind\u00e9pendant(e) \u00e0 titre <\/span><span data-contrast=\"auto\">principal ou compl\u00e9mentaire<\/span><span data-contrast=\"auto\"> d\u00e9pend de votre situation.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Vous \u00eates toujours <\/span><b><span data-contrast=\"auto\">salari\u00e9(e) \u00e0 mi-temps<\/span><\/b><span data-contrast=\"auto\">\u2009minimum\u2009? Vous devenez alors <\/span><span data-contrast=\"auto\">ind\u00e9pendant(e) compl\u00e9mentaire<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Votre activit\u00e9 ind\u00e9pendante sera-t-elle votre <\/span><b><span data-contrast=\"auto\">seule ou votre principale occupation\u2009<\/span><\/b><span data-contrast=\"auto\">? Dans ce cas, votre statut est celui d\u2019un(e) <\/span><span data-contrast=\"auto\">ind\u00e9pendant(e) \u00e0 titre principal<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.accountable.eu\/nl-be\/blog\/zelfstandige-bijberoep\/\"><span data-contrast=\"none\">Dans de telles situations, vous devez commencer en tant qu\u2019ind\u00e9pendant(e) \u00e0 titre compl\u00e9mentaire<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Les principales diff\u00e9rences entre un(e) <\/span><\/b><b><span data-contrast=\"auto\">ind\u00e9pendant(e) \u00e0 titre principal ou compl\u00e9mentaire<\/span><\/b><\/h2>\n<h3><b><span data-contrast=\"auto\">1. Votre couverture sociale est constitu\u00e9e diff\u00e9remment<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">En tant qu\u2019ind\u00e9pendant(e) \u00e0 titre principal, vous payez <\/span><b><span data-contrast=\"auto\">chaque trimestre des <\/span><\/b><b><span data-contrast=\"auto\">cotisations sociales<\/span><\/b><span data-contrast=\"auto\">. Vous constituez ainsi progressivement votre couverture sociale\u202f: votre pension, votre indemnit\u00e9 en cas de maladie, votre prime de naissance, etc. Vous pouvez \u00e9galement am\u00e9liorer votre pension en souscrivant une <\/span><a href=\"https:\/\/www.accountable.eu\/nl-be\/blog\/pensioen-zelfstandige-belgie\/#:~:text=vullen%20als%20zelfstandige.-,Het%20VAPZ,-%2C%20of%20vrij%20aanvullend\"><span data-contrast=\"none\">Pension libre compl\u00e9mentaire pour ind\u00e9pendants (PLCI)<\/span><\/a><span data-contrast=\"auto\"> assortie d\u2019un r\u00e9gime fiscal avantageux.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En tant qu\u2019ind\u00e9pendant(e) \u00e0 titre compl\u00e9mentaire, vous payez aussi des cotisations de s\u00e9curit\u00e9 sociale, mais il s\u2019agit uniquement de cotisations de solidarit\u00e9. Vous ne vous constituez pas de couverture sociale par ce biais, car c\u2019est d\u00e9j\u00e0 inclus dans votre emploi principal de salari\u00e9(e) ou de fonctionnaire. Vous <\/span><b><span data-contrast=\"auto\">ne pouvez pas<\/span><\/b><span data-contrast=\"auto\"> non plus b\u00e9n\u00e9ficier <\/span><b><span data-contrast=\"auto\">d\u2019une PLCI<\/span><\/b><span data-contrast=\"auto\">, mais il existe par contre d\u2019autres formules d\u2019\u00e9pargne, toutefois moins avantageuses fiscalement.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.accountable.eu\/nl-be\/blog\/sociale-bijdragen-betalen-zelfstandige\/\"><span data-contrast=\"none\">En savoir plus sur les cotisations sociales pour ind\u00e9pendants &gt;<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">2. Votre cotisation minimale varie<\/span><\/b><\/h3>\n<p><a href=\"https:\/\/www.accountable.eu\/nl-be\/blog\/belastingen-zelfstandige-in-bijberoep\/#:~:text=Hoeveel%20sociale%20bijdragen%20betaal%20ik%20in%20bijberoep%3F\"><span data-contrast=\"none\">En tant qu\u2019ind\u00e9pendant(e) \u00e0 titre compl\u00e9mentaire, vous \u00eates exon\u00e9r\u00e9(e) des cotisations de s\u00e9curit\u00e9 sociale<\/span><\/a><span data-contrast=\"auto\"> si votre revenu imposable est inf\u00e9rieur \u00e0 1553,58\u202feuros. Si ce n\u2019est pas le cas, vous payez au minimum une cotisation de base de 86,64\u202feuros (en 2022). Cette <\/span><span data-contrast=\"auto\">cotisation minimum<\/span><span data-contrast=\"auto\"> est \u00e9galement une exigence pour un(e) <\/span><span data-contrast=\"auto\">ind\u00e9pendant(e) \u00e0 titre principal<\/span><span data-contrast=\"auto\">. Elle est toutefois plus \u00e9lev\u00e9e que pour un(e) ind\u00e9pendant(e) \u00e0 titre compl\u00e9mentaire\u202f: <\/span><b><span data-contrast=\"auto\">774,16\u202feuros par trimestre<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les affaires vont bien et votre revenu annuel dans le cadre de votre activit\u00e9 compl\u00e9mentaire s\u2019\u00e9l\u00e8ve \u00e0 plus de 14\u2009658,44\u202feuros\u2009? Vous payez alors <\/span><b><span data-contrast=\"auto\">le m\u00eame montant de cotisations sociales qu\u2019un(e) ind\u00e9pendant(e) \u00e0 titre principal<\/span><\/b><span data-contrast=\"auto\">. Vous avez aussi droit aux m\u00eames avantages\u202f:\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">une pension plus \u00e9lev\u00e9e si vous avez travaill\u00e9 moins de 45 ans en tant que salari\u00e9,<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">des titres-services gratuits lorsque vous devenez parent,<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">la possibilit\u00e9 de souscrire une <\/span><b><span data-contrast=\"auto\">PCLI fiscalement avantageuse<\/span><\/b><span data-contrast=\"auto\">,<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">&#8230;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><b><span data-contrast=\"auto\">3. Plus de limitation pour les ind\u00e9pendants \u00e0 titre compl\u00e9mentaire<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">Vous d\u00e9marrez votre activit\u00e9 en tant qu\u2019<\/span><span data-contrast=\"auto\">ind\u00e9pendant(e) compl\u00e9mentaire<\/span><span data-contrast=\"auto\">\u2009? Vous pouvez alors vous lancer tranquillement, mais vous \u00eates plus limit\u00e9(e) dans vos activit\u00e9s. Votre activit\u00e9 ind\u00e9pendante <\/span><b><span data-contrast=\"auto\">ne<\/span><\/b><span data-contrast=\"auto\"> doit en effet <\/span><b><span data-contrast=\"auto\">pas<\/span><\/b> <b><span data-contrast=\"auto\">faire concurrence<\/span><\/b><span data-contrast=\"auto\"> \u00e0 votre employeur, ce qui est logique. Consultez donc toujours votre patron avant de vous jeter \u00e0 l\u2019eau.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">4. Plus ou moins de temps<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">En tant qu\u2019<\/span><span data-contrast=\"auto\">ind\u00e9pendant(e) \u00e0 titre principal<\/span><span data-contrast=\"auto\">, vous avez tout le temps de vous consacrer \u00e0 votre entreprise. En tant qu\u2019ind\u00e9pendant(e) compl\u00e9mentaire, ce n\u2019est pas le cas, vous faites cela en plus de votre emploi actuel.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">5. Risques accrus d\u2019imp\u00f4ts plus \u00e9lev\u00e9s<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">Si vous commencez en tant qu\u2019ind\u00e9pendant(e) compl\u00e9mentaire, vous devriez gagner un compl\u00e9ment \u00e0 votre salaire actuel. Il est d\u00e8s lors fort probable que vous passiez dans une <\/span><b><span data-contrast=\"auto\">tranche d\u2019imposition plus \u00e9lev\u00e9e<\/span><\/b><span data-contrast=\"auto\"> et deviez payer plus d\u2019imp\u00f4ts. Une soci\u00e9t\u00e9 peut \u00eatre une solution, mais cela implique davantage de co\u00fbts et d\u2019obligations.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les revenus d\u00e9coulant de votre activit\u00e9 compl\u00e9mentaire sont donc <\/span><b><span data-contrast=\"auto\">imm\u00e9diatement tax\u00e9s plus lourdement<\/span><\/b><span data-contrast=\"auto\">, alors que les revenus provenant de votre profession principale n\u2019entra\u00eenent pas n\u00e9cessairement plus d\u2019imp\u00f4ts &#8211; selon le montant de vos revenus.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">6. Plus grande tranquillit\u00e9 d\u2019esprit, moins de libert\u00e9<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">En tant qu\u2019ind\u00e9pendant(e) compl\u00e9mentaire, vous avez la tranquillit\u00e9 d\u2019esprit qui accompagne un revenu fixe et la s\u00e9curit\u00e9 sociale qui d\u00e9coule de votre emploi. C\u2019est un bon moyen de faire ses <\/span><b><span data-contrast=\"auto\">premiers pas<\/span><\/b><span data-contrast=\"auto\"> en tant qu\u2019ind\u00e9pendant(e). <\/span><\/p>\n<p><span data-contrast=\"auto\">En revanche, le statut d\u2019<\/span><span data-contrast=\"auto\">ind\u00e9pendant \u00e0 titre principal<\/span><span data-contrast=\"auto\"> vous donne une <\/span><b><span data-contrast=\"auto\">libert\u00e9 absolue\u202f<\/span><\/b><span data-contrast=\"auto\">: vous n\u2019avez pas de comptes \u00e0 rendre \u00e0 votre patron, vous choisissez vos horaires et votre lieu de travail, et vous avez le temps de vous consacrer \u00e0 votre propre entreprise \u00e0 plein temps. Ce statut s\u2019accompagne en effet de plus d\u2019obligations, comme le paiement de (plus de) cotisations sociales.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Vous envisagez de vous lancer en compl\u00e9mentaire\u2009? <\/span><br \/>\n<a href=\"https:\/\/www.accountable.eu\/nl-be\/blog\/zelfstandige-bijberoep-10-voor-en-nadelen\/\"><span data-contrast=\"auto\">Consid\u00e9rez tous les avantages et les inconv\u00e9nients d\u2019une activit\u00e9 compl\u00e9mentaire<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous avez envie de devenir ind\u00e9pendant(e), mais vaut-il mieux vous lancer \u00e0 titre principal ou compl\u00e9mentaire\u2009? On ne peut pas toujours d\u00e9cider\u202f: dans certaines situations, vous n\u2019avez d\u2019autres choix que d\u2019opter pour une activit\u00e9 compl\u00e9mentaire. Mais que faire si vous avez le choix\u2009? Nous comparons les 2.\u00a0 Quelle est votre situation professionnelle\u2009? Devenir ind\u00e9pendant(e) \u00e0 [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":4156,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[291,240],"tags":[],"class_list":["post-13065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informations-pratiques","category-uncategorized-fr-be"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ind\u00e9pendant \u00e0 titre principal ou compl\u00e9mentaire\u202f: quel est le meilleur choix\u2009? - Accountable<\/title>\n<meta name=\"description\" content=\"Vous avez des doutes quant \u00e0 l\u2019opportunit\u00e9 de cr\u00e9er votre propre entreprise \u00e0 titre principal ou compl\u00e9mentaire\u2009? 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