{"id":16700,"date":"2023-08-06T22:06:43","date_gmt":"2023-08-06T20:06:43","guid":{"rendered":"https:\/\/www.chetwode.fr\/?p=16700"},"modified":"2024-01-21T23:10:08","modified_gmt":"2024-01-21T22:10:08","slug":"what-is-a-pledge","status":"publish","type":"post","link":"https:\/\/www.chetwode.fr\/en\/whats-new\/what-is-a-pledge\/","title":{"rendered":"What is a pledge?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16700\" class=\"elementor elementor-16700\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d3e4549 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"d3e4549\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b0b80ee\" data-id=\"b0b80ee\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-e405ab0\" data-id=\"e405ab0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb53915 de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"fb53915\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Newsroom<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6af328e\" data-id=\"6af328e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e019ea3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e019ea3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3f37ae9\" data-id=\"3f37ae9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52cb995 de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"52cb995\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Finance glossary<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6428b8c de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"6428b8c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b49d12 de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"4b49d12\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What is a pledge?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2683260 de_scroll_animation_no elementor-widget elementor-widget-image\" data-id=\"2683260\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.chetwode.fr\/wp-content\/uploads\/Quest-ce-quun-nantissement-.png\" title=\"\" alt=\"Qu\u2019est-ce qu\u2019un nantissement ?\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0850ad8 de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"0850ad8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>A pledge is a legal instrument used to secure a debt to ensure payment to a creditor.<\/strong> This technique differs from a pledge in that the collateral offered is an intangible movable asset, such as a receivable or a share in the company&#8217;s capital. If the debt is not repaid on time, the asset can either be sold or retained by the creditor. To find out more about the definition of pledge, see the article below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad2222c de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"ad2222c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. What is the definition of a pledge? \n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2ad4b3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ad4b3e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1648fe2\" data-id=\"1648fe2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9dbb50c de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"9dbb50c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f435aa de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"9f435aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Definition <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd4df8 de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"bdd4df8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A pledge is a legal technique used to secure a debt for a creditor in the event of non-payment. This solution is achieved by making intangible personal property available as collateral, for example: shares in share capital, a patent, a property right or a receivable. This method makes it possible to secure financing between a debtor and a creditor. What&#8217;s more, the professional borrower retains possession of the asset for the period during which it is pledged. If the debt cannot be repaid, the creditor can apply to the Commercial Court to sell the pledged asset. Alternatively, the pledge will be lifted if the borrower succeeds in repaying the debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba998ec de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"ba998ec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Which parties are involved in a pledge?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a1263b de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"4a1263b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are two parties:<\/p><ul><li><strong>the debtor<\/strong>: the professional in debt who has an obligation to repay the creditor<\/li><li><strong>the creditor<\/strong>: the person to whom the debtor owes money<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e44a2c de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"4e44a2c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b22b50 de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"4b22b50\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. What is the difference between a pledge and a collateral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71753c3 de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"71753c3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7348a2e de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"7348a2e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The difference between a pledge and a surety lies in the form of the collateral.<\/p><p><strong>A pledge relates to intangible movable assets<\/strong> such as receivables, business assets or company shares, whereas a <strong>pledge relates to tangible movable assets<\/strong> such as stocks, equipment, vehicles or property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5feee4c de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"5feee4c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-883f547 de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"883f547\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Why pledge collateral? \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ee871e de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"3ee871e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A pledge provides security for the creditor because it commits the debtor. It ensures that the debt is repaid. It may relate to the entire debt or just part of it, and to a current or future debt. The creditor then has priority over other creditors, who cannot be paid before the pledgee.<\/p><p>If the debtor fails to pay the creditor his debt, he can sell the pledged asset or have it sold to settle his debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a530dd9 de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"a530dd9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8ce60a de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"e8ce60a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. How do I set up a pledge? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae704df de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"ae704df\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dedfa7 de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"0dedfa7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are three stages to pledging: setting up the contract, registration and cancellation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8681ceb de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"8681ceb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The contract <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-347a70f de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"347a70f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can draw up either a notarised contract or a private agreement specifying that it is a pledge.<\/p><p>The following must be mentioned: the names of the parties, the date of the contract, and the nature and value of the asset.<\/p><p>In the case of business assets, it is also important to note tangible furnished assets.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-244d043 de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"244d043\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Registration<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35def48 de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"35def48\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Registration with the <a href=\"https:\/\/entreprendre.service-public.fr\/vosdroits\/F31636\" target=\"_blank\" rel=\"noopener\">commercial court<\/a> differs depending on the type of pledge. For example, for a pledge of shares in a company, the registration must be made at the commercial court registry in the town where the company holding the pledged shares is registered. Registration lasts for 5 years and may be renewed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fba9015 de_scroll_animation_no elementor-widget elementor-widget-heading\" data-id=\"fba9015\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Deregistration<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7428e5 de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"e7428e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The pledge is finalised when it is no longer updated after the due date, if the debt is paid in full or if one of the parties requests that it be stopped.<\/p><p>Alternatively, you can check whether your customers&#8217; assets have been pledged by requesting a statement of pledges from the commercial court registry or the tax authorities. This will tell you the amount owed, the names of the creditors and the company&#8217;s debt situation.<\/p><p>\u00a0<\/p><p><strong>In conclusion, a pledged loan may be an option if you wish to reassure your creditors in order to secure a debt.<\/strong> Chetwode will be happy to help you set up your <a href=\"https:\/\/www.chetwode.fr\/en\/active-financing-solutions\/\" target=\"_blank\" rel=\"noopener\">financing<\/a> arrangements and advise you on the best way to take out a secured loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d053e0c vertical-line-divider\" data-id=\"d053e0c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-461b194 de_scroll_animation_no elementor-widget elementor-widget-spacer\" data-id=\"461b194\" 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