A Decree of 30 May 2024 Since 1 July, the French government has set an increase in contributions for 2025 for BNCs (and Cipavs). For better social protection. Self-employed entrepreneurs (and EI): get ready.
As indicated in this first news item :
This concerns auto-entrepreneurs affiliated to the general Social Security scheme and declaring their turnover in the BNC category. The aim is to guarantee their supplementary pension rights.
Source : autoentrepreneur.urssaf.fr
An email from URSSAF on 28 August provides information about changes in the overall rate of contributions.
Scroll down to see the e-mail
Hello,
You are a self-employed tradesman or unregulated liberal profession and you declare your sales as non-commercial profits (BNC).
Each month or quarter, you pay social security contributions calculated on the basis of an overall contribution rate applied to your turnover.
Please note that from 1 July 2024, this overall contribution rate of 21.1 % will increase progressively over three years, as shown in this table (excluding Acre beneficiaries and auto-entrepreneurs working in overseas territories), according to the following schedule:
| Year | Period | Overall rate |
| 2024 | from 1 July to 31 December 2024 | 23.1 % |
| 2025 | from 1 January to 31 December 2025 | 24.6 % |
| 2026 | from 1 January 2026 | 26.1 % |
Why is your rate increasing? ?
Your rate will increase so that you can acquire rights to the supplementary pension for self-employed workers and benefit from enhanced social protection.
Qu‘is the supplementary pension for the self-employed ?
The supplementary pension for the self-employed is an essential complement to your basic pension. By paying your contributions every month or quarter, you accumulate points, which will be converted into pension rights when the time comes.
You benefit from‘Acre or you do business overseas ?
If you are in receipt of Acre or if you work overseas, please check your new contribution rate on the following pages The essentials of the status - Autoentrepreneur.urssaf.fr.
Good to know
For your supplementary pension entitlements prior to 1 July 2024, the public authorities are currently defining a system that will allow you, if you wish, to contribute retroactively and acquire entitlements.
One question ?
You'll find all the information you need about :
- social security contributions for auto-entrepreneurs on the website Home - Autoentrepreneur.urssaf.fr,
- the supplementary pension for self-employed workers on the website www.lassuranceretraite.fr.
Urssaf is at your disposal for any further information.
Yours sincerely.
This confirms the information given on 10 July on the official website.
Summary of increases
🟢 2024, from 1 July to 31 December 2024: 23.1 %
📈 2025, from 1 January to 31 December 2025: 24.6 %
📈 2026, from 1 January 2026: 26.1 %
Why is the rate increasing?
URSSAF explains in the e-mail:
«Your rate increases to enable you to acquire supplementary pension rights for the self-employed and benefit from enhanced social protection.»
And on the website :
«The supplementary pension is an essential complement to the basic pension. Thanks to the contributions they pay, auto-entrepreneurs will now be able to accumulate points that will be converted into pension rights when the time comes, ensuring greater financial security in the long term.»
Adapt
💡 Remember to :
- Adapt your contribution calculation grids
- If necessary, adjust your pricing structure
- Re-evaluate the appropriateness of converting to a SARL/EURL and its derivatives
- Don't be fooled by any phishing campaigns (fake emails asking you for personal information or redirecting you to fake websites) that may follow this announcement.
Conclusion
Not necessarily the best news for the start of the new school year...
But let's look at the positive side:
There's still a chance we'll get a pension. 🤞
(yes, yes, we believe it...)
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