Increase in bankruptcy in Switzerland because of a law: +57% in June

For example,

Increase bankruptcy switzerland because law: new: Consequently,

Increase bankruptcy switzerland because law::

Business bankruptcies in Switzerland are experiencing an impressive increase this year. Meanwhile, 45% since 2022.Image: Keystone, montage watson

A tax reform that came into force in January explodes bankruptcy in Switzerland, with +57 % in June. Nevertheless, And here is why.

15.07.2025, 05:3215.07.2025. For example. Furthermore, 05:32

Meret Häuselmann / CH Media

It is an increase that borders on the record: 1136 business bankruptcies were recorded in June throughout Switzerland. Similarly, This represents increase bankruptcy switzerland because law: new around 400 more cases, an increase of 57% compared to June of the previous year.

A very sharp increase – Increase bankruptcy switzerland because law: new

Already in May, 300 more bankruptcies had been reported compared to the previous year. Nevertheless, Since January, the total number of bankruptcy bankruptcies has increased by 17.6% compared to the first half of 2024. Nevertheless, These figures were collected by the Creditreform credit association.

The head of this increase in business bankruptcy is. Meanwhile, among other things, a legislative modification concerning the continuation of fines, taxes and taxes (read box). For example, This reform came into force on 1is January 2025, but its effects are only visible in statistics recently. Therefore. For example, Indeed, it can flow several months between the opening of a bankruptcy increase bankruptcy switzerland because law: new prosecution and the effective insolvency of a company.

Modification of the law – prosecution by bankruptcy

Until increase bankruptcy switzerland because law: the end of 2024. Similarly, receivables of public law, such as taxes, fines or social contributions, could only be recovered by seizure. For example, This placed public institutions in a disadvantageous position. For example, especially when the company had only few grazing assets and the claim could not be covered in full. Furthermore. In this case, the prosecution office established an act of lack of goods, and the company could continue to exist. Moreover, The responsibility of making insolvent companies disappear by the opening of a bankruptcy procedure therefore incumbent upon private creditors.

From the 1stis January. tax debts can. as are rent debts, lead to the bankruptcy of a company, which implies stopping its commercial activity and the guarantee of all increase bankruptcy switzerland because law: new of its goods. This aims to guarantee equal treatment between different types of debts. (mha)

Threats of triple increase bankruptcy switzerland because law: bankruptcy – Increase bankruptcy switzerland because law: new

Bogdan Toudic. member of the National Conference of Prosecution. Bankruptcies, expected a clear increase in bankruptcies in June:

“Many companies had accumulated for years many receivables of public law, sometimes modest. These have now probably been systematically continued, forcing these companies to file for bankruptcy. ”

It is still too early to precisely measure the effects of reform at the national level. There are not yet consolidated data for the country’s 350 prosecution offices. and the figures for the Federal Statistics Office only cover the previous year.

But some concrete cases illustrate the magnitude of the phenomenon. as at the Office of Pursuits of the increase bankruptcy switzerland because law: new City of Saint-Gall. led by Bogdan Toudic, where bankruptcy threats tripled compared to the first half of 2024: they went from 436 to 1176 during the first six months of the current year.

Would these bankruptcies be advantageous?

Will a real “wave of bankruptcies” fall on Swiss companies in the coming months?

“I think that the number of bankruptcies will further increase in the coming months”

Bogdan Todic

According to him. bankruptcies could remain raised for another two years, before gradually returning to levels comparable to those of previous years.

Bogdan Touric does not see any negative effect of the reform for companies. On the contrary: insolvent companies would now be liquidated more quickly. which would prevent increase bankruptcy switzerland because law: new them from having a harmful effect on the market. This would represent an advantage for the entire economy. In addition. the procedure before a bankruptcy remains long:

“We receive several reminders. then an increase bankruptcy switzerland because law: act of prosecution and, lastly, a threat of bankruptcy. Anyone who still doesn’t pay at this stage does not have a problem of forgetting, but a problem of liquidity. »»

“The State must invest more”

The situation is different for creditors under public law. The opening of a bankruptcy procedure generates costs, variable according to the cantons. While private creditors often give up recovering small debts. it is theoretically possible that a municipality will open a bankruptcy procedure for an amount of 20 francs. and lose money in passing.

“The State must now increase bankruptcy switzerland because law: new mobilize more money to advance prosecution procedures”

Bogdan Todic

Contacted. the Federal Contributions Administration (AFC) indicates that it has issued 5. 300 bankruptcy threats during the first six months of the increase bankruptcy switzerland because law: entry into force of the law, but only 120 bankruptcies were actually opened. The total cost amounted to 108,000 francs, for an amount of unpaid claims reaching 15.6 million francs.

The part that AFC can actually recover via bankruptcies remains uncertain. Indeed, in the event of bankruptcy, the active ingredients still available are redistributed according to three classes of creditors.

👇

  • Wages and food pensions have priority (1st class).
  • Social contributions follow (2nd class).
  • If there are still funds, increase bankruptcy switzerland because law: new these are divided between 3rd class creditors-which includes tax claims.

45% bankruptcy in 2022

From what amount due to AFC opens up a bankruptcy procedure? The latter does not increase bankruptcy switzerland because law: specify it. because it indicates that it cannot disclose its internal criteria. Due to the “paradigm change”. a direct comparison with previous years is not possible. no more than a reliable forecast for the rest of the year.

On the other hand, it appears clear that the bankruptcy system is deficit. Bankruptcy administrations cannot be financed only by costs. explains twisted:

“And the more the number of cases increases. the higher the public contribution”

The Creditreform credit association provides for around 10,000 business bankruptcies for the entire year increase bankruptcy switzerland because law: new 2025, an increase of 14% compared to last year and 45% compared to 2022.

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