That 2012 has been downright bad for SMEs in the Marina Alta It's already a no-brainer. It is true that some companies have maintained and even increased their productivity, closely linked to the export of products and services or to innovation in tourism, a sector that has experienced a slight – very slight – upturn compared to recent years. But it has not been the norm.
The supplier payment plan alleviated the situation somewhat, although the vast majority of cases, with the collection of these overdue bills have primarily served templates restructurings, layoffs and closures. After this payment plan, in addition, they have continued to rack up the bills, to be already the case that SMEs are not too many who dare to work with some municipalities of this region.
The higher tax burden has also made recovery more difficult. It is the "whiting that bites its tail". The administration needs strong revenues to maintain the structures of the State, the Autonomous Communities, the Provincial Councils and the City Councils, and as it is not able to balance the balance, it makes some - few - adjustments, cuts expenses and increases taxes.
As a result, products become more expensive and citizens, and businesses, have less money to put into circulation. As there is less money, companies and the self-employed have fewer benefits and even go into losses, which leads to staff structure, mass layoffs and even closures, thus enlarging the list of people who are legally entitled to receive social benefits and thinning the List of those that can continue to support taxes, payments to Social Security and other charges. As expenses increase again and revenues decrease again, the State, instead of proposing a serious adjustment, continues to cut back from where it can, by inventing new rates and resorting to external markets to finance itself.
But SMEs are also seeking funding, and can not go to those markets. The vaunted ICO credits are still in the hands of banks, very reluctant to award funding to those in need, thus making the reality that English: a banker is a fellow who lends you an umbrella when the sun is shining, but wants it back the minute it begins to rain.
It's not a whim finance companies what they ask. SMEs need liquidity at the end of the month to address payroll, social insurance and bills. On many occasions, the expected revenue come with long delays, but can not be delayed in any case the most urgent payments.
the fact that no matter how different political formations as promised or phonecalls, invoices issued are still required to declare VAT is also given, have been charged or not.
In addition, formulas are not allowed that would undoubtedly be much more imaginative than the current and less burdensome for companies. There are many analysts who point to different solutions in this regard. For example: enable SMEs to offset the credits they hold vis-à-vis any public administration (including local and regional government) with their obligations to any of them.
And not only that. In labor reforms approved in this country it seems that the opinion and the struggle of the business is cheaper in dismissal, when in fact this is not really what we need, but another kind of flexibility. Another example: many companies have not reduced their workforces, or had reduced much less, if they could postpone no cost or marginal interest payments to Social Security. Instead, in August 2012, the Administration considered it appropriate to impose a surcharge of 20% who is delayed one day when surcharges were before the 3%; 5%; 10 20% and% as the delay is one month, two months, three months or three months respectively.
Not content, in the same Royal Decree withdrawn without notice all bonuses in social insurance for the underprivileged. The combination of both measures proved to be extremely effective for inflating labor costs in as bad as the current time, as demonstrated by thickening of the unemployment figures occurred as a result. All also it punctuated by a kind of mantra repeated administrations: "We must support entrepreneurs". Why? Why this obsession with knowing that every day new obstacles to business creation and its maintenance over time get? You really think they're doing something about it or is simple sarcasm? Towards the end of the year we would read this headline: "Starting a business in Spain is more difficult than in Zambia". Regrettable.
What will happen in 2013?
It is very difficult to forecast. Each year, major analysts put the carrot-the recovery in the following year. Thus, in 2011 they were told that the situation would improve by the end of 2012. The 2012 2013 postponed him, and now the horizon have pointed to the 2014.
As entrepreneurs, we are willing to make as many efforts as necessary, but we want this effort to be carried out by public administrations and banking entities. At the first we ask for readjustments that eliminate duplicate and even tripled competences, but without cutting back on services for citizens, which is the main reason why we pay taxes. To the latter we remind you that just as we are merchants, or industrialists, or restaurateurs and innkeepers, or gardeners, builders; promoters; real estate agents or insurance; advisors, etc., banks are also companies, financial companies whose main business is selling money, and they are not doing it.
Circle of Entrepreneurs Federation of High Navy
I am a mini businesswoman in total are three of us in the company, our way of working is clean and transparent and there is no other way to do that by dedicating ourselves to import and ask us to pay in advance to our suppliers (of course, do not trust Spanish!), VAT (21%) in advance, the eco-tax in advance and to be distributors or rely on projects, customers pay us 60 and more days or just escaquean and declared insolvent, allowing open another relative or under another name, open another company with our material and that of others who have left like us. We will not return the VAT, because the claim period is very short eintentamos give a vote of confidence to the customer, banks will tear up the soul for a ridiculous policy and over if you have caught the famous clips or bank swaps, despite having won the court proceedings, I alrgan and resort for years, playing with money that to you would have been good to keep doing business transactions! At least in Ireland banks returned two weeks the stolen money to their customers! And if that were not enough, when you get a contract to export a well known brand, the bank either to facilitate anything because it forces you not only buy a policy that makes you bleed, but it makes you buy shares or preferred that the next day worthless and leave you even more debt! The aid is for Telefónica, Iberdrola, Endesa, Ave etc. but the thousands of freelancers who could help grow the municipalities of legal and clean way, we see drowning us more and more unable to grow or invest the null help and comprehension of the competent authorities and thanks to the solidarity of some private initiatives or personal, some other young entrepreneur, can open your mini empresita in a business incubator! No wonder our talents feel misunderstood, undervalued and frustrated and have to leave the country!