Businesses, salt Polish economy. You mean and you pretty tiny. This sector, which accounts for 66 percent. GDP generated by the company and which operates 60 percent. employed in enterprises. The capitalists. Krwiożercy tending to sweat to their employees. Which they do not pay, and if it is, the lowest national level. Preferably black, under the table. It is those who do not want to share and combine on taxes. Because someone has its own interests, it has to sleep on the money. However, hardly anyone comes to mind that the majority of these capitalists are biedafirmy.
And it’s not even about the great Polish hoax, which are single economic activity, that is, people forced to establish a company, because they do not it was for them part-time. I mean all those brave people who have an idea of the life and business, creating jobs, taking the risk and responsibility for others, spin thin, but still give advice. They learned how to refuel a pair of gold, how to dress for a pittance to look like a million dollars to important people wanted to negotiate with them. How to translate commitment to not wake up with a blocked account. And yet what is in the business life is important and what is most important. How to calculate it. I do not go crazy.
If you believe the results of a survey conducted by the Institute of Keralla Research (commissioned by reliable companies, answered 374 entrepreneurs), 25 percent. of them, if they could choose a second time, it was not confident to set up a business. A half if she had the chance, would go on time. They are tired of working 24/7, that they are not able to predict revenues, fear that soon everything will collapse, the bailiff zlicytuje lumber, and they go on begging.
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“Madam, enough is said about the victims of the transformation. About people precipitated from society, pozwalnianych of closed factories, polikwidowanych state farms, losing their livelihoods. But there is also another group of victims transformation. This is not described properly nowhere. I am one of its representatives. It’s called us prywaciarzami, shopkeepers, badylarzami, small cwaniaczkami. It’s actually points to the stigma, we must bear. We are thieves, combinators, aferzystami. This is the public perception of us – often worn-life and work, often lacking energy and money – entrepreneurs. Because we’re not businessmen. Our company is none SMEs. This small firemki district located in Poland. Far away from larger cities, created from scratch with little capital or borrowed from banks or family money. “
(to write this text made me the letter. He’ll still quote fragments ).
For now present the dramatis personae. Heroes of Polish capitalism.
Kamila, coming fifty gardening business owner in West Pomerania.
Christopher, also almost fifty years, the owner of a cafe with an educational center and two points with fast food in Silesia.
Maximilian, similar age, also Silesia, a company of the real estate industry.
Anita, do not shoot yet forty, Mazowieckie, namely – Warsaw.
Veronica, thirty something, Mazowieckie, heir to almost the mall, from which there is no good way out.
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Kamila wants to pound the mouths
finished the environment at the Agricultural University, she dreamed of working in the green, but it was not. This is gripped other professions. But still, flowers and grass were in her head. The creation of the company decided the case. – I moonlighted as a so-called. mysterious client – he says. This is someone who pretending client, checks, how shop or some other point of use treats those who come. Do employees adhere to the procedures, if they try, etc.
has been assigned to control the Mercedes showroom. But there is not going to buy just anyone, you have to have certain income. The superiors decided that it could do with a legend like she was a cop working undercover. I invented that will be involved as the owner of the company horticultural industry, because knows that. – And two months after my visit to the salon he rang his manager. Asking me to deal with his garden – he recalls. Finger of God – she thought. He has the knowledge, energy, always wanted to deal with it. And there are no small order. She felt that he could move mountains. She founded the company, the real, not pretend. It was not easy, especially since at the beginning did not have the capital to hire people, all doing the same. But somehow it went.
On a good day ordered the website (until now most orders get this road) from time to time organizes advertising campaigns, establish friendships. He is happy when satisfied customers recommend it to friends. She did powers inspector greenery. He has teamed up with the developers. Trouble? A Lot Of. One is such that it can not afford to employ staff on a permanent basis, because you never know when you will get the job. How has the job of skrzykuje people. But these workers are unstable company. They can come in one day and one no longer feel like, because zapili. They can steal tools. Sometimes this happened, but somehow copes workers. A bigger problem lies in the fact that, like every Pole is a doctor, a lawyer and a politician, so everyone who has a piece of garden, gardener feels. For example, that the lawn to a green carpet like at Buckingham Palace, you have to mow every 10, up 14 days instead of once a month. – But for once a month, people do not want to pay. There comes a guy who has to care thousand square meters of lawn. The market price is 50g per meter, I give 30 gr. And he himself quickly converts: I pay 300 zł for stupid mowing the lawn? – He says.
Normal stories, the struggle for order, this is not the worst. What is most annoying her and her bothers, on the one hand impractical rules and, on the other little transparency in public life. Because I do not want to say that corruption. What the market is, you know. Lack of predictability, stasis in payments. It cooperates with the one company road. I’ve never shed their money on time. A few months delay is the norm. And taxes on the invoices you have to pay. It settles on a quarterly basis, but it turns out that this time is an understatement. Sometimes it happened withdraw the invoice and issue a new date. – Imagine that you have order worth 10 thousand. zł – he explains. – I have to pay tax on this income 18 per cent., Because VAT is not counting. Every month ZUS, more than 1.1 thousand. zł. For this fixed costs. As there is a break in orders, then I am lying and squeal. Offices will not be waiting, just penalties, interest, disable the account. Well, I can sometimes borrow from my mother, from her pension, life – Kamila sighs.
The company opened in 2006. And even when the crisis broke, do not complain. It’s hard, because hard, but somehow kulało. 2014. When he ran out of money the EU was less and less orders from construction companies and road. In contrast, this year is a total disaster. Growing competition, each month formed a new company in its industry. They arise and disappear, then no one is not able to account for what they have done. Sometimes they ask her to niwelowała consequences of their actions. The best are those that are zakolegowane with officials from the city. They have the price of a hat, but it is for them to call when the contract amount does not exceed the tender limit. Such a story: it was the order of the city council beheaded 14 poplars. A simple stretch, with her it would cost 1.5 thousand. zł of art. But the commission took befriended firm and erase the 64 thousand. zł. It comes after a 4.5 thousand. from the tree. – My ads are skipped, officials laugh at my nose: you do not need to do auctions are not required to give notices, even inquiries. And I will not be flown there and owes its envelopes. As if I went, it natrzaskałabym them on their snouts – is furious when he speaks. We’re talking more than two hours, Kamila gives one example after another. After any such event would make an appointment with the mayor, because maybe that does not know what his men Make the. She called the Secretariat, asking for a meeting. – About what? – Asks the secretary. – Corruption – she said Kamil. – To let you go to the prosecutor’s office – she heard a clatter postponed soon after the handset.
In the autumn the company moves to London. She has already done some research already dished offices. He knows that he must appear for an interview, get insurance number and open a bank account. Mandatory health insurance contribution is 12 pounds, almost as much as a pack of cigarettes. Button for it gets, but if it is different from us? Well, there tax-free amount is 10.6 thousand. pounds. We have less than 3.1 thousand. zł. Any questions? Leave myself in Poland a few coolest customers in the UK will be earned money. Only she did not know why she felt like a traitor to his country. – But I hope that soon I’ll get over it. Because it’s not me, but betrayed me.
“We work from the account to the account of the payment to payment. We do not know how many and what kind of customers we have. We have entirely cleared credit cards. We work beyond their strength, without a day off. Because the company, because the bills, because installments to the bank, because ambition. We often lose a good name, money and self-esteem. “
Christopher looks at the calendar and floats
Christopher finished technical school, he wanted to become an engineer, but dropped out of college to help his brother in gastronomy. I just started a new era, who could, assumed business. – And if I was an ordinary rylem, a miner, he went to work on thick, or under the earth, I would have long since retired – now just laughs. The business was before, where there was a district of the city, but as in Silesia powygaszali industry, this time with the miners and hutnikami on the pavement went to small businesses. Except that they did not get severance pay. – I caught a variety of works. Here I worked a full-time, there ran a restaurant for a large company network, hotelier finished my studies, I was a manager in several good networks – lists.
Finally, he said that he has experience that instead of toil on the other may lead interest alone. – I wanted to open a learning center with a small cafe, and she left a large cafeteria with a small center – he laughs. It turned out that same coffee shop is not enough, he opened another two points in neighboring towns, the usual fast food: French fries, casseroles, hamburger, kebab. He has an accomplice. They quickly turned out that fate entrepreneur is quite different than the one about which they read in the business press. First of competition. Not only with other entrepreneurs but mainly with hypermarkets, discount stores that are springing up like weeds. And also from vacation, holidays, days organized by local governments, eventami sponsored by corporations, which do not need to buy tickets. – Man is always trying to bewitch reality, under the illusion that tomorrow will be better, because otherwise collapsed or crazy – assesses.
How prospers? From the account to the account of a lease installment for the car to the next. – Fixed costs: rent is 6 thousand. zł per month, to the electricity, water, telephones, wages of workers, 300 zł per month for ZAIKS for being on the premises of playing music. Sometimes the costs are higher than revenues, and where in all this stuff? – He asks and adds that he realizes that the people of the area give it a rich man. – And I sometimes am able to refuel the car only for 30 zł, to get from place to place and do not stand in the way – he says.
Café is large, it is true, but can not be small, because he has a good day to capture all potential customers. As people leave the church, it will not wait until it is free table – explains Krzysztof. And people see only what they want to see: that as bought a cup of coffee, a couple of cookies and lemonade, it paid 30 zł. And envy but talk about: you are rich. And that wealth consists in counting pennies and laying them on the pile. First, to pay employees. He pays a minimum, 1,350 zł on hand, but is it actually costs 2.5 thousand. zł. Second on the bill, although often densely happens to defer payment of any invoice. The third is a pile of life. And sometimes, that it’s nothing. Then borrows from the family.
– Were it not that I have a couple of hours at school, probably I would give it a rest already – says Krzysztof. He says he used to be a very pro-European, but he has changed. Mainly because of large retail chains, which spread like vermin, they do not pay taxes in Poland, eat small. I used to work in business organizations, but stopped. Waste of time, beating foam, meetings, at which other punching in suits trying to sell you financial products that do not need or which you can not afford. – And above all – I do not drink – he concludes.
What’s next? It takes some przebranżowić. Now he focuses on education, as in the moment when he started the adventure with the business. But these will not be any EU projects pseudoszkoleniowe. Already tried: doing course, come the people who sign the list and want to run, and you have to stop them by force, because what if control comes. – That’s not my style – he says. He has another idea. Our young people are not stupid, he wants to dokształcać, if he knows that she is useful. In an hour of good lessons in mathematics people are willing to pay over a hundred dollars. And Christopher is not in the habit clear away the botch. And yet, he says, he does not put lag on the project café. Selling well lately desserts straight from the PRL. They offer the cream of the Sultan, as with this film, “Girls to take”. Desserts recreated with “a forty” such colorful jelly sandwich, which once served in Horteksie. Just to survive holidays, when people will leave … For now Krzysztof is trying to make the best of a bad game, it is assumed suit, because it counts PR, and somehow still flying.
“Slowly grow liability. First, suppliers, later cease to pay more. Are cut costs to the maximum, trying to get along with creditors. You do not go out completely on assholes, we decide to take out loans. Of course private. Somehow pays for urgent backlog and is located in the same place. Except that the interest and repayment of bank commissions. We already know that it was not a good idea. However, further [up] in it wades. He moves his only limits. After developing. Next year will be better. “
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Maximilian heals all wounds
In 1989. He finished technical automotive and went on holiday. When he returned, there were no sheets. In October he opened a butcher shop. Dad, now retired, moonlighted at the guy in the sausage factory, so the product was fresh, first-hand. Well it went, until mid-December. Hyperinflation reaching 600 percent. Manufacturers do not sell livestock to processors, rightly afraid that before the meat reaches the plants, they will lose a fortune. In January 1990,. He had enough money to buy a box of cold cuts. At traded or not you could make up for the losses, as customers instead buy 20 kilograms of sausage deco.
Small capital, low turnover. It was impossible to drive further interest. It was the first time he fell.
Then he rode a taxi bounced a little. He founded a travel agency. Hulało Somehow, though it was getting worse. In 2001. It seemed to him that he hit the jackpot: financial intermediation. There were fewer banks than it is today, less knowledge of the subject among the people. They needed a broker, who would they advised, got things paperwork. Then he began to boom in real estate, it was a 2006. Bonanza. – I opened five offices, hired people – says Max. The collapse began in the fall two years later, and he just opened another office in the center of a big city, with equally high rent. – You have fixed costs, so as a month, two, three were not traded, it gets hot – she recalls. We had to immediately liquidate offices, fire people. But then I deluded. – You have years of work experience, it seems to you that you can finally spread wings. Translating itself: for the month of situation will change, fail recover his losses, after all, people have to live somewhere.
– I stopped thinking rationally, generate losses, rising debts, social insurance, taxes, and mediation is not trade, do not get trade credit. But maybe it’s better – he says. In 2009. Began to accelerate in 2010. Returned the stability of the financial market. A pity he was to liquidate the facility to fire people. And people have to pay to eat grass alone. The awakening came only in 2012. Since then he has worked in one location alone. – It was not easy, give up the imperial plans, reconcile, settle small. From businessman to become chałupnikiem – he admits. And he adds, as if to justify that the entrepreneurs of the industry on its premises in good condition, only one survived. Him and so did – survived. It gives advice, even though it sometimes paralyzes stress. – As long as good health, fine, but what would happen if I get sick? – He asks.
In one month the sale of three properties, then by two none. But at least they are not responsible for the people. Przebranżowić it? – Already I do not want – he says frankly. – Malysz would not be champion if, instead of jumping for a whole month, he tried to check in on weekends as a swimmer – proves. Accumulated some capital, real estate happen occasions, pearls, and he was able to invent them. There will be a rainy day, which undoubtedly will come.
For now, Maximilian is tired. And still sore after the wings, which he lost. He laughs bitterly that today has little dreams. The first are those that could not afford for it to employ even one worker. So he could do a holiday or even a weekend off. But still it stops with such extravagance. – I see Catcher szambonura the trash, I say to myself: Be careful, Max, you just do not landed with his old age.
“We raise from his knees. We’re still trying. Does not protrude in queues for social assistance, we do not pull the hand of the benefits. We have thousands of ideas, keep up on the surface, we give to others to earn, creating new jobs. Another team of politicians promise miracles, in which long ago stopped believing. Do not give up, however, who we are, we can not otherwise. “
Anita is on the verge of paranoia
He asks not to specify the range of services that offers, because it small industry, everyone knows each other. And she does not want to get in trouble, because once again begin life anew. Her story is short: working in corporations, but has come to the conclusion that on their own account can serve customers better, than it happens in global companies. Because there, as in hamburgerowni: pats the same chops, regardless of caloric intake and diet, which the customer needs.
She took out a loan, shareholders, came out on a large water. I quickly took on water in the boat. Once that shareholders not turned out to be such people, as thought, she toiled, gaining customers, realized projects, those waiting for payment. Two, that her child brought up in a global company that has the resources in case of crisis, legal and accounting services, surpassed the Polish reality. Provisions that are changing during the year, the offices that do not have understanding for the rookie, ridiculously high premiums and unrealistic tax laws.
Anita, like Kamila, is an example: it has commissioned on 40 thousand. zł. plus VAT. Same cost, with the commission of the license is 20 thousand. zł. The remaining 20 thousand. should be divided into three accomplices, comes after less than 7 thousand. on his head. The next project could be for half a year, you have to pay social insurance. And the book, because as she tried to settle by itself, it passed karnoskarbowe proceedings because she did not notice a change in the method of accounting for the tax authorities.
She has developed herself a flowchart of survival: first you have to pay people . When it comes to the state budget, it can be late with PIT, even several months. VAT must be scrupulously pay, because enter the property after two weeks. About ZUS he will not be told, hopes that will not break your leg and will not need a heart transplant. In the industry you have to look good because of someone who dresses in the power cable to, serious clients will not talk. – I can not afford a hairstyle of Yaga Hupało, but when I was working in Korpo, this was not a problem for me – he says. He cares to have good shoes, not from the top shelf, but at least sneakers for 200-300 zł. – You have to try to be on the fashion top, know the trends and have a feel, because otherwise there is no order – he added. Once full of energy, time has depression. But regardless of his mental state is convinced he would not return for a management contract and a salary to Korpo. – I have an idea, I know, I have energy and I can give other people work – he declares. That implies a new company. I asked to keep fingers crossed for her.
***********************
Now he had to be continued the letter (a long) and another story biedafirmy, a small entrepreneur who is struggling with fate. Veronica, who inherited her mother’s shopping center in the small village of Mazovia. But the letter ended with insults and threats, which are not befitting to quote. And Veronica was not time for me, you do not have it as bad. It is terribly earned. So at the end, in brief, her story.
Tin hut erected in the early 90s type of soap shop and jam. Conquered the whole neighborhood: fresh goods, a large assortment before it came on TV screens culinary programs, they had a bookshelf, where you could find soy sauce, seaweed for sushi and wasabi. At the butcher’s stand and purple pink pork loin beef they were cheaper by a good pair of gold than in neighboring shops. Customers were pushing ourselves, we had to expand the parking lot. They concluded in a family, it is worth to take a loan and built a commercial MiniCenter. At the bottom of the convenience store, on upper floors gym, hairdresser, beautician – and so on.
Shortly after the walls stood, it turned out that behind the fence, the emergence of Ladybug. Contrary to what is said municipal zoning plans. Entrepreneur, head of the family, paid for this attack. Today, sickly, disabled, remain under the care of the children. That roll unequal battle with the behemoth. Veronica, a white blouse shirt and jeans tubes, apologizes: let you not be angry. I have no strength, and I have to take care of mom. I just came from the hospital. ©?
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