The company's money is not the owner's wallet. How to properly withdraw profits from business: from self-employed to company owner

Advantages of checking a counterparty For honest business

Checking the counterparty For honest business is characterized by the following concepts.

• For free. No registration, no subscription, no choice of tariffs - you can check the counterparty by name or TIN by simply going to the website.
• Fast. The service is available around the clock. The result is given instantly.
• Objectively. Assessments, recommendations from analysts, comparisons over time are not given - only dry information at a given point in time.
• Reliable. Sources of information: Federal Tax Service, AS, FSSP, BOO, Rosstat, Roskomnadzor. The information is displayed in the same form as in the database of the above departments. If the founder is a participant in an existing company that is not currently working, all information will be included in the search results.
• Completely. For honest business allows you to check the counterparty regardless of its status - JSC, PJSC, LLC, individual entrepreneur. The service operates with data from the database of the Federal Tax Service of the Russian Federation since 2002.

The official website of For Honest Business is regularly updated - all changes in the registers of the above-mentioned departments are instantly reflected in the database.

Login to the site

Do you have a large forehead and receding hairline? Looks like you have a chance to be on the rich list. Nowadays, such a scientific direction as physiognomy is popular - the ability to determine from a person’s face his character, temperament, habits, diseases, as well as the ability to perform various types of activities. “Facial features and facial expressions in general are a direct reflection of our character and behavior,” says Milana Minaeva, a representative of the Isaac Chung Association for Physiognomy. “There are some traits that are specific to business people.” Which? With the help of an AiF expert, he compiled an ideal portrait of the oligarch.

Eyes

The eyes are the best way to judge a person’s character and his relationships with others. Large eyes can indicate courage and a desire for leadership, small eyes can indicate isolation, intractability and stubbornness. Energetic, business people have dark brown or green eyes. This is the color of the iris of all our oligarchs, with the exception of Friedman, Vekselberg, Mordashov and Abramovich. Their gray eyes speak, oddly enough, of kindness and responsiveness. But the cunning squint reveals in the oligarch a man who will never miss his profit. And, for example, Vladimir Yevtushenkov’s round eyes suggest that he is emotional and impressionable, but can be quick-tempered and impulsive. Another detail of this part of the face is the eyebrows. If they are wide, a person has a large supply of vital energy. Alexey Mordashov, Alisher Usmanov, Viktor Vekselberg have such eyebrows.

Forehead

It is the forehead that is considered the career zone. People with broad foreheads are able to look at situations from different angles in order to make the right decisions. It is not surprising that all oligarchs have wide foreheads. Another important detail is the receding hairline, which further reveals the forehead. Their owners will never miss a happy opportunity. It is easy to notice that many modern oligarchs have receding hairlines, as well as the famous entrepreneur and philanthropist Savva Morozov, who lived in pre-revolutionary Russia. If the forehead is high, this is a sign that a person seeks to go into detail and analyze the situation piece by piece. But not everyone has such “height”. The most popular Roman Abramovich, for example, loses in this position. Especially high-brows are Vladimir Lisin, Mikhail Prokhorov, Alisher Usmanov, Viktor Vekselberg and the same Savva Morozov.

Nose

Few people know that a person’s financial well-being can be judged by his nose. If it is direct, you have a chance to master the art of getting rich. However, if you have a very asymmetrical face or, say, a crooked mouth and all your facial features are thin, then you are unlikely to get rich even with a straight nose. A rounded nose means that your well-being will improve gradually. It is easy to notice that most of our oligarchs have rather large, fleshy noses with a downward tip. This trait makes them look like birds of prey. Such people know how to hold their prey tightly. The most striking example of a predatory nose is that of Mikhail Prokhorov. A nose with a hump, like Viktor Vekselberg’s, speaks of an unstable income.

Mouth, chin

A thin and compressed mouth is a sign that a person speaks harshly with subordinates, is restrained and stingy with praise (Potanin), often goes ahead, takes pressure. Pursed lips indicate the habit of thinking first, and only then speaking out. A strongly protruding chin indicates determination and perseverance (Prokhorov). An important feature is an oval chin. It means that subordinates and the environment provide the entrepreneur with sufficient support. A pointed chin indicates a creative character. Finally, a beard for a businessman is an unnecessary detail. If you shave it off, there will be more support from others. It is no longer possible to advise Savva Morozov on this, but it is not too late for Vladimir Lisin and Viktor Vekselberg.

You know?

Success in business can be predicted by the length of your fingers. Scientists at the University of Cambridge came to this conclusion. If your ring finger is longer than your index finger, you should try your hand at finance. The fact is that this biometric parameter depends on the level of testosterone in the uterus during gestation. Observations show: such people are more aggressive, secretive and able to make decisions quickly. Stock market players with a longer ring finger relative to their index finger earn 11 times more than their counterparts with the opposite finger length ratio.

Is it science?

Alisa Anisimova, expert physiognomist, psychologist at the Center for the Study of Personality:

— Physiognomy is not fictitious “facial signs” or quasi-knowledge, but systemically based, scientifically formalized real knowledge. The examination is based on medicine (information about muscle joints and their characteristics, dermatology, psychiatry, etc.), criminology (lies, propensity to commit criminal acts, the psychology of the criminal, etc.), cosmetology, stylistics and much more. In other words, a huge scientific toolkit, a lot of work and data. One of the basic directions is muscle contractions

faces during various human reactions, for example, when he is lying. In practice, expert physiognomy allows you to immediately obtain information about a person. Moreover, both in individual parts and sectors of his face, and in the face as a whole.

From the editor

It is clear that the current oligarchs have made a fortune for themselves by being in the right place at the right time. Some “stepped” into big business from the Komsomol, others from administrative positions. Thousands and even millions of people had this opportunity 20 years ago, but it was the most enterprising, assertive and tough, and often, let’s put it bluntly, arrogant and unprincipled who stood out. Physiognomy can be treated differently, but it is indeed noticeable that the vast majority of nouveau riche have predatory noses with drooping tips. Maybe this genetic trait was formed over generations and passed on by inheritance, like the corresponding character traits - tenacity, business acumen?

Information about verification of the counterparty For honest business

• Based on the Federal Tax Service . Full name, INN/OGRN, status - active or closed, director, date and address of registration, founders, size of the authorized capital, types of activities, company criterion for SMEs and number of employees, tax authority, statistical codes and registration in funds.
• Financial statements . Checking data on the balance sheet and income statement for 5 years.
• According to AS. All cases registered in the Arbitration Court database in which the counterparty was mentioned as a Plaintiff, Defendant or Third Party.
• Based on the FSSP . A complete register of unclosed writs of execution issued to the counterparty as a result of court decisions.
• Change feed. Checking the counterparty for changes in initial registration data.

The For Honest Business service allows you to see an objective picture when checking a counterparty and independently analyze the information.

Investment business plan

Investments can be:

· material (real) - in production, construction;

· financial (equity participation in production and capital);

· intangible (investments in R&D).

When filling out a financial application and searching for lenders, you need to answer the following questions:

· How much funds are needed to implement the project?

· For what purposes will they be spent?

· For how long?

· What are the return conditions?

· How is the return of the invested funds guaranteed (deposit, guarantee, surety)?

The loan cannot be used for:

· production of tobacco and alcohol products;

· military production;

· any production that harms the environment and poses a threat to endangered species of animals and birds;

· speculation in securities;

· currency speculation;

· development of gambling business.

Classification of investment BP.

For honest business - checking the counterparty using an example

The official website for honest business - https://zachestnyibiznes.ru/ looks like this:

In the search line we enter the available data about the counterparty being checked. For example, the name Russian cheese.

Next, click the red search button and get the next page.

This is a registry of companies with the name entered into the search. Let's say the one we are interested in is from the Bryansk region. But there are three companies in the register with the same name and address - the difference is in the organizational and legal form and the director. We start checking the counterparty, the first one on the list. To do this, click on its name (it is highlighted in blue) or the word “watch” in the far right column. We receive the following information.

Let's look at the test results in more detail.

First of all, data from the Unified State Register of Legal Entities is issued, including the latest changes. The left blue block contains information about related companies by manager (that is, data on other legal entities and individual entrepreneurs in which he is a participant or manager). We scroll down the verification page and see detailed information about registration in the funds, the status of SMEs and related companies by name, and a detailed description of the activity.

The system allows you to separately check information on financial statements, court cases and enforcement proceedings.

Checking the financial statements of the counterparty

Click on the heading “Financial statements of RUSSIAN CHEESE LLC.” We get the company's balance sheet with profit and loss statement for 2020. For an honest business allows you to check your balance for the last five years (if data is available).

Checking the counterparty using the database of the Arbitration Court of the Russian Federation

Click on the heading “Court Cases”.

The database does not contain information about trials. Accordingly, the company did not participate in them.

Checking the counterparty using the FSSP RF database

This is followed by checking the counterparty For Honest Business for unclosed enforcement proceedings. Click on the heading “Enforcement proceedings” and check the following data.

Since there is no data in the database, we conclude that the company has no debts. Pay attention to the inscription below the table. To obtain reliable information, it is recommended to check the counterparty on the FSSP website. For Honest Business provides data on enforcement proceedings in reference mode.

Checking the change feed

Click on “Change Feed” at the very bottom of the page.

We receive a complete register of changes made to the Unified State Register of Legal Entities after registration of the company. In our case, it consists of 16 points.

Types of business income

It would be naive to believe that all the proceeds go into the pocket of the entrepreneur - any business requires investment, including initial ones.

Let's imagine a situation: a person decided to open a computer repair shop. It doesn’t matter what form of business he chooses (individual entrepreneur or LLC). He will have to buy consumables for repairing computer equipment and various equipment. That is, part of the money will go to purchase raw materials, another part to equipment, a third to paying taxes, and a fourth to personal needs. In reality, the list of expenses can be continued endlessly

.

Therefore, income from activities can be divided into 2 types:

1. income of a company or individual entrepreneur;
2. businessman's personal money.

And here the most interesting part begins - not all entrepreneurs have the right to calmly withdraw and spend money on personal needs.

Income of the organization

If you do not take into account the self-employed, then initially all money received from activities is classified as business income

. That is, they do not belong to the business owner.

The simplest explanation of this rule is that the money is transferred to the company’s account. Yes, individual entrepreneurs have the right to indicate the current account of a personal debit card in their invoices, but not all counterparties work with such individual entrepreneurs. That is why most individual entrepreneurs open separate current accounts as a legal entity.

Reluctance of the counterparty to transfer payment to the personal accounts of the individual entrepreneur

This is due to the fact that when transferring money to an individual, banks write off a larger commission than when transferring money to a legal entity.

Such income cannot be spent on the personal needs of the director or owner, since he did not personally earn it through his own labor. Income from business activities is generated for the provision of services or resale of goods. Such income cannot be considered wages (personal money).

From the income of the enterprise, wages are paid to employees, contributions are paid, consumables are purchased, and additional business and administrative expenses are paid, for example, for the purchase of equipment or office supplies.

No one will argue that business requires investment. Employees will not be able to work without a computer or machine, and when purchasing consumables, they must pay for the services of a transport company.

If the company does not make a profit

, then the business owner will have to invest personal money for development, and soon such an enterprise risks closing.

Money for personal needs

In order to receive money for personal needs, a businessman needs to pay himself wages or dividends, if he is not an individual entrepreneur or self-employed. A businessman cannot just take money for himself; this would be a violation of the law.

In addition, if the owner of the company takes all the profit received from the activity for himself

, then soon the organization will not be able to pay bills to counterparties.

If an enterprise is declared bankrupt, the owner of the business bears only subsidiary liability

in relation to the size of the share in the authorized capital. Also, the general director or chief accountant may be held vicariously liable.

Only self-employed or individual entrepreneurs can take all the money received from the business, since they are liable for all obligations with their personal property.

In accordance with Russian legislation, the money received by an individual entrepreneur is not considered his full income. Income from business activities is calculated as the difference between the profit of an individual entrepreneur and the business expenses incurred, which can be proven by invoices.

Who benefits from checking a counterparty using the For Honest Business service?

The user receives reliable information in real time, anonymously and completely free of charge. Those being inspected themselves are not even aware of such a thorough search. The program does not give any assessments - the user independently determines the criteria that are significant to him and composes his own picture. She's useful

• chief accountants,
• company managers,
• heads of financial services,
• banks and credit organizations,

Objectivity and reliability are the main principles of the service For Honest Business.

Service updates

The Transparent Business service was launched in December 2020. However, since then there have been some changes. The start of the service itself was postponed several times. It was first launched in 2017; after its closure, the relaunch was scheduled for June 1, 2018. Then this date was updated - the launch was set for August 1, 2018. Only after numerous improvements did the service begin to operate on December 1, 2020.

In April 2020, the range of data that can be requested in the service was significantly expanded. For example, you can request information about the fact of submitting documentation for state registration of legal entities and individual entrepreneurs. An option to subscribe to receive information by email is available.

By May 2020, the Federal Tax Service completed work on updating the interface and adding functionality to the electronic service. Now it has become much more convenient to use it. Another innovation is a function in the calculator that allows for calculations of the tax burden. The scale of the entrepreneur’s activities is also taken into account.

All information recorded in clause 1. of Art. is displayed. 102 of the Tax Code of the Russian Federation. So now all information that was previously considered a tax secret has become open and publicly available from June 1, 2020.