{"id":106,"date":"2026-07-14T00:00:00","date_gmt":"2026-07-13T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2020\/01\/17\/les-charges-sociales-des-professions-liberales\/"},"modified":"2026-07-15T15:51:56","modified_gmt":"2026-07-15T13:51:56","slug":"professions-liberales-cotisations","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/professions-liberales-cotisations\/","title":{"rendered":"Quelles cotisations sociales pour les professions lib\u00e9rales ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Lorsque vous exercez une activit\u00e9 lib\u00e9rale, vous devez assumer personnellement vos cotisations sociales. Celles-ci garantissent votre protection sociale et celle de votre famille. Comprendre leur nature et leur fonctionnement est essentiel pour bien anticiper vos charges et s\u00e9curiser votre situation.&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">En bref sur les cotisations sociales des professions lib\u00e9rales<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous exercez en <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/profession-liberale\/\" target=\"_blank\" rel=\"noreferrer noopener\">profession lib\u00e9rale<\/a>, vos cotisations sociales d\u00e9pendent avant tout de votre :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>cat\u00e9gorie d\u2019activit\u00e9<\/strong>&nbsp;(r\u00e9glement\u00e9e, non r\u00e9glement\u00e9e) ;<\/li><li><strong>niveau de revenus<\/strong> ;<\/li><li><strong>caisse d\u2019affiliation <\/strong>retraite.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019essentiel est donc de <strong>bien identifier votre r\u00e9gime<\/strong>, de <strong>suivre vos revenus au fil de l\u2019ann\u00e9e<\/strong> et de <strong>pr\u00e9voir la r\u00e9gularisation<\/strong> apr\u00e8s votre d\u00e9claration. C\u2019est le meilleur moyen d\u2019\u00e9viter les \u00e9carts de tr\u00e9sorerie et de s\u00e9curiser votre activit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A quoi servent les cotisations sociales ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En tant que <strong>professionnel lib\u00e9ral<\/strong>, vos cotisations sociales ne sont pas qu\u2019une charge : elles financent votre protection sociale tout au long de votre activit\u00e9 et vous ouvre des droits pour votre avenir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elles permettent de b\u00e9n\u00e9ficier de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Une couverture maladie : <\/strong>prise en charge\/remboursement des soins, indemnisations en cas d\u2019arr\u00eat :<\/li><li><strong>Votre retraite :&nbsp;<\/strong>retraite de base + compl\u00e9mentaire selon votre caisse<\/li><li><strong>Des prestations familiales :&nbsp;<\/strong>allocations, aides\u2026<\/li><li><strong>Une protection en cas de coup dur :&nbsp;<\/strong>invalidit\u00e9, d\u00e9c\u00e8s<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A noter : si vous employez des salari\u00e9s, vous devez \u00e9galement payer des cotisations sociales en tant qu\u2019employeur (charges patronales), en plus de celles pr\u00e9lev\u00e9es sur leurs salaires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ce qui change en 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En 2026, le <strong>PASS (Plafond Annuel de la S\u00e9curit\u00e9 sociale)<\/strong> est fix\u00e9 \u00e0 <strong>48 060 \u20ac<\/strong>. C\u2019est une donn\u00e9e essentielle, car une grande partie des cotisations est calcul\u00e9e par r\u00e9f\u00e9rence \u00e0 ce plafond.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>taux maximal de cotisation maladie-maternit\u00e9<\/strong> est d\u00e9sormais <strong>unifi\u00e9 \u00e0 8,5 %<\/strong> pour les travailleurs ind\u00e9pendants.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les principales cotisations des professions lib\u00e9rales r\u00e9glement\u00e9es<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous exercez une profession lib\u00e9rale r\u00e9glement\u00e9e, la plupart de vos cotisations sociales sont vers\u00e9es \u00e0 l\u2019<strong>Urssaf<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour votre retraite, le fonctionnement est diff\u00e9rent :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Vous cotisez tous \u00e0 la&nbsp;<strong>CNAVPL<\/strong> pour votre <strong>retraite de base<\/strong><\/li><li>Vous d\u00e9pendez ensuite d\u2019une&nbsp;<strong>caisse professionnelle sp\u00e9cifique selon votre m\u00e9tier<\/strong> pour votre <strong>retraite compl\u00e9mentaire<\/strong><ul><li><strong>Professions de sant\u00e9<\/strong> \u2192 CARMF, CARPIMKO, CARCDSF, CAVP<\/li><li><strong>M\u00e9tiers juridiques<\/strong> \u2192 CAVOM, CPRN, CNBF<\/li><li><strong>Chiffre et conseil<\/strong> \u2192 CAVEC<\/li><li><strong>M\u00e9tiers sp\u00e9cialis\u00e9s<\/strong> \u2192 CARPV, CAVAMAC<\/li><li><strong>Autres professions lib\u00e9rales sp\u00e9cifiques<\/strong> \u2192 CIPAV<\/li><\/ul><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quel le taux des charges sociales pour les professions lib\u00e9rales r\u00e9glement\u00e9es (hors avocats) ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tableau r\u00e9capitulatif - Taux appliqu\u00e9s en m\u00e9tropole<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Cotisation<\/th><th>Base de calcul<\/th><th>Taux 2026<\/th><\/tr><\/thead><tbody><tr><td><strong>Maladie-maternit\u00e9<\/strong><\/td><td>Revenu d\u2019activit\u00e9<\/td><td><strong>0 % \u00e0 8,5 %<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Indemnit\u00e9s journali\u00e8res maladie<\/strong><\/td><td>Revenu, dans la limite de <strong>3 PASS<\/strong><\/td><td><strong>0,30 %<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Allocations familiales<\/strong><\/td><td>Revenu d\u2019activit\u00e9<\/td><td><strong>0 % \u00e0 3,10 %<\/strong><\/td><\/tr><tr><td><strong>CSG-CRDS<\/strong><\/td><td>Revenu d\u2019activit\u00e9 \/ revenus de remplacement<\/td><td><strong>9,70 %<\/strong> \/ <strong>6,70 %<\/strong><\/td><\/tr><tr><td><strong>Contribution \u00e0 la formation professionnelle<\/strong><\/td><td>1 PASS<\/td><td><strong>0,25 %<\/strong> (ou <strong>0,34 %<\/strong> avec conjoint collaborateur)&nbsp;<\/td><\/tr><tr><td><strong>Retraite de base \u2013 CIPAV<\/strong><\/td><td>Jusqu\u2019\u00e0 <strong>1 PASS<\/strong>, puis au-del\u00e0 jusqu\u2019\u00e0 <strong>5 PASS<\/strong><\/td><td><strong>8,73 %<\/strong> puis <strong>1,87 %<\/strong><\/td><\/tr><tr><td><strong>Retraite compl\u00e9mentaire \u2013 CIPAV<\/strong><\/td><td>Jusqu\u2019\u00e0 <strong>1 PASS<\/strong>, puis de <strong>1 \u00e0 4 PASS<\/strong><\/td><td><strong>11 %<\/strong> puis <strong>21 %<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Retraite de base \u2013 hors CIPAV<\/strong><\/td><td>Jusqu\u2019\u00e0 <strong>1 PASS<\/strong>, puis au-del\u00e0 jusqu\u2019\u00e0 <strong>5 PASS<\/strong><\/td><td><strong>8,73 %<\/strong> puis <strong>1,87 %<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Retraite compl\u00e9mentaire \u2013 hors CIPAV<\/strong><\/td><td>Selon la caisse<\/td><td><strong>Variable<\/strong><\/td><\/tr><tr><td><strong>Invalidit\u00e9-d\u00e9c\u00e8s<\/strong><\/td><td>Selon la caisse<\/td><td><strong>Variable<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A savoir : si vous \u00eates <strong>professionnel de sant\u00e9 conventionn\u00e9<\/strong>, des contributions sp\u00e9cifiques peuvent aussi s\u2019ajouter selon votre situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les principales cotisations des professions lib\u00e9rales non r\u00e9glement\u00e9es<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous exercez une profession lib\u00e9rale non r\u00e9glement\u00e9e, vous relevez du r\u00e9gime applicable aux artisans, commer\u00e7ants et professions lib\u00e9rales non r\u00e9glement\u00e9es pour l\u2019essentiel de vos cotisations sociales que vous r\u00e9glez directement \u00e0 l'Urssaf ou \u00e0 la CARSAT pour la retraite. Les r\u00e8gles sont proches de celles des autres ind\u00e9pendants, avec toutefois des <strong>sp\u00e9cificit\u00e9s sur les indemnit\u00e9s journali\u00e8res et la retraite<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quel le taux des charges sociales pour les professions lib\u00e9rales non r\u00e9glement\u00e9es ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tableau r\u00e9capitulatif - Taux appliqu\u00e9s en m\u00e9tropole<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Cotisation<\/th><th>Base de calcul<\/th><th>Taux 2026<\/th><\/tr><\/thead><tbody><tr><td><strong>Maladie-maternit\u00e9<\/strong><\/td><td>Revenu d\u2019activit\u00e9<\/td><td><strong>0 % \u00e0 8,5 %<\/strong><\/td><\/tr><tr><td><strong>Indemnit\u00e9s journali\u00e8res maladie<\/strong><\/td><td>Revenu, dans la limite de <strong>5 PASS<\/strong><\/td><td><strong>0,50 %<\/strong><\/td><\/tr><tr><td><strong>Allocations familiales<\/strong><\/td><td>Revenu d\u2019activit\u00e9<\/td><td><strong>0 % \u00e0 3,10 %<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>CSG-CRDS<\/strong><\/td><td>Revenu d\u2019activit\u00e9 \/ revenus de remplacement<\/td><td><strong>9,70 %<\/strong> \/ <strong>6,70 %<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Contribution \u00e0 la formation professionnelle<\/strong><\/td><td>1 PASS<\/td><td><strong>0,25 %<\/strong> (ou <strong>0,34 %<\/strong> avec conjoint collaborateur)<\/td><\/tr><tr><td><strong>Retraite de base<\/strong><\/td><td>Jusqu\u2019\u00e0 <strong>1 PASS<\/strong>, puis au-del\u00e0<\/td><td><strong>17,87 %<\/strong> puis <strong>0,72 %<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Retraite compl\u00e9mentaire<\/strong><\/td><td>Jusqu\u2019\u00e0 <strong>1 PASS<\/strong>, puis de <strong>1 \u00e0 4 PASS<\/strong><\/td><td><strong>8,10 %<\/strong> puis <strong>9,10 %<\/strong><\/td><\/tr><tr><td><strong>Invalidit\u00e9-d\u00e9c\u00e8s<\/strong><\/td><td>Selon le r\u00e9gime<\/td><td><strong>Variable \/ minimale selon la situation<\/strong>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Comment vos cotisations sont-elles calcul\u00e9es ?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Si vous exercez sous le statut d'entrepreneur individuel<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Vos cotisations sont calcul\u00e9es \u00e0 partir de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>votre revenu professionnel (r\u00e9gime r\u00e9el)<\/li><li>votre chiffre d'affaires (r\u00e9gime micro-BNC)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Si vous exercez en soci\u00e9t\u00e9 soumise \u00e0 l\u2019IS<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>votre&nbsp;r\u00e9mun\u00e9ration + une partie de vos&nbsp;dividendes si vous \u00eates travailleur non salari\u00e9 (g\u00e9rant majoritaire...)<\/li><li>votre r\u00e9mun\u00e9ration uniquemet si vous \u00eates assimil\u00e9 salari\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En pratique, vos cotisations sont d\u2019abord appel\u00e9es&nbsp;\u00e0 titre provisionnel, puis r\u00e9gularis\u00e9es une fois vos revenus r\u00e9els connus apr\u00e8s la d\u00e9claration. Si vos revenus ont \u00e9t\u00e9 plus \u00e9lev\u00e9s que pr\u00e9vu, un compl\u00e9ment vous sera demand\u00e9. S\u2019ils ont \u00e9t\u00e9 plus faibles, un ajustement sera effectu\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour calculer vos cotisations et \u00e9viter les mauvaises surprises, vous pouvez utiliser le <a href=\"https:\/\/www.urssaf.fr\/accueil\/outils-documentation\/simulateurs\/revenus-independant.html\" target=\"_blank\" rel=\"noreferrer noopener\">simulateur<\/a> mis \u00e0 disposition par l\u2019Urssaf.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Les cotisations minimales<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si vos revenus sont faibles, certaines cotisations sociales minimales peuvent rester dues. Elles vous permettent de conserver un&nbsp;<strong>minimum de droits sociaux<\/strong>, notamment pour la retraite, les indemnit\u00e9s journali\u00e8res ou la formation professionnelle.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Et si vous cr\u00e9ez votre activit\u00e9 en 2026 ?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez, sous conditions, b\u00e9n\u00e9ficier de l\u2019<a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/acre\/\" target=\"_blank\" rel=\"noreferrer noopener\">Acre<\/a>. Depuis le 1er janvier 2026, cette aide n\u2019est plus accord\u00e9e automatiquement : vous devez en faire la demande aupr\u00e8s de l\u2019Urssaf dans les 60 jours suivant le d\u00e9but de votre activit\u00e9 lib\u00e9rale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faut-il souscrire une protection compl\u00e9mentaire ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les cotisations sociales obligatoires vous ouvrent des droits, mais elles ne couvrent pas toujours tous vos besoins. Selon votre situation, vous pouvez donc compl\u00e9ter votre protection sociale avec :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>un contrat de <strong>pr\u00e9voyance<\/strong> pour mieux couvrir l\u2019arr\u00eat de travail, l\u2019invalidit\u00e9 ou le d\u00e9c\u00e8s ;<\/li><li>un <strong>PER individuel<\/strong> pour pr\u00e9parer votre <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/retraite\/\" target=\"_blank\" rel=\"noreferrer noopener\">retraite<\/a> ;<\/li><li>une couverture sant\u00e9 ou une garantie compl\u00e9mentaire adapt\u00e9e \u00e0 votre activit\u00e9 lib\u00e9rale.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif n\u2019est pas de tout multiplier, mais de choisir les solutions les plus pertinentes au regard de votre revenu, de votre situation familiale et de votre niveau de protection souhait\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Quel pourcentage de charges sociales pr\u00e9voir en profession lib\u00e9rale non r\u00e9glement\u00e9e ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas de pourcentage unique, car tout d\u00e9pend de votre niveau de revenus et de votre situation. En pratique, vos cotisations regroupent la maladie, la retraite, les allocations familiales, la CSG-CRDS, la formation professionnelle et, selon le cas, l\u2019invalidit\u00e9-d\u00e9c\u00e8s.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Qu\u2019est-ce que la SSI pour une profession lib\u00e9rale non r\u00e9glement\u00e9e ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La S\u00e9curit\u00e9 sociale des ind\u00e9pendants a \u00e9t\u00e9 int\u00e9gr\u00e9e au r\u00e9gime g\u00e9n\u00e9ral. Si vous \u00eates un professionnel lib\u00e9ral non r\u00e9glement\u00e9, vous relevez du cadre de cotisations applicable aux ind\u00e9pendants pour la maladie, la retraite, les allocations familiales et les contributions sociales.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Existe-t-il un simulateur URSSAF pour calculer mes cotisations ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui l'Urssaf met \u00e0 disposition un <a href=\"https:\/\/www.urssaf.fr\/accueil\/outils-documentation\/simulateurs\/revenus-independant.html\" target=\"_blank\" rel=\"noreferrer noopener\">simulateur<\/a> pour les ind\u00e9pendants qui vous permet d\u2019estimer vos cotisations \u00e0 partir de vos revenus pr\u00e9visionnels et d\u2019ajuster votre tr\u00e9sorerie plus sereinement.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Le r\u00e9gime micro-BNC est-il plus simple ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. En micro-BNC, vos cotisations sont calcul\u00e9es directement sur votre chiffre d\u2019affaires encaiss\u00e9, avec des formalit\u00e9s all\u00e9g\u00e9es et une d\u00e9claration mensuelle ou trimestrielle.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Les charges sociales des professions lib\u00e9rales\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.secu-independants.fr\/\" target=\"_blank\">La s\u00e9curit\u00e9 sociale des ind\u00e9pendants<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lacipav.fr\/\" target=\"_blank\">La CIPAV<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.urssaf.fr\/portail\/home\/independant\/mes-cotisations\/quelles-cotisations.html\" target=\"_blank\">Le site de l'URSSAF<\/a><\/li><li><a href=\"https:\/\/www.urssaf.fr\/accueil\/outils-documentation\/taux-baremes\/taux-cotisations-plr-cipav.html\">Taux de cotisations - Professions lib\u00e9rales r\u00e9glement\u00e9es relevant de la Cipav - Urssaf.fr<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" 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role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">6 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/profession-liberale\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/prof-liberale-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/prof-liberale-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/prof-liberale-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/10\/prof-liberale-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Diff\u00e9rents r\u00e9gimes<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">La profession lib\u00e9rale : de quoi parle-t-on pr\u00e9cis\u00e9ment ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Lorsque vous exercez une activit\u00e9 lib\u00e9rale, vous devez assumer personnellement vos cotisations sociales. Celles-ci garantissent votre protection sociale et celle de votre famille. Comprendre leur nature et leur fonctionnement est essentiel pour bien anticiper vos charges et s\u00e9curiser votre situation.&nbsp; En bref sur les cotisations sociales des professions lib\u00e9rales Si vous exercez en profession lib\u00e9rale, [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":9908,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":2,"views":13707,"viewed_at":"1778493492","newsletter":"0","_yoast_wpseo_primary_category":84,"footnotes":""},"categories":[79,80,83,84],"tags":[],"class_list":["post-106","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comptabilite-fiscalite","category-la-fiscalite","category-les-charges","category-les-charges-sociales-concernant-les-entrepreneurs"],"yoast_head":"<title>Quelles cotisations sociales pour les professions lib\u00e9rales ? - Les charges sociales concernant les entrepreneurs - Les cl\u00e9s de la banque - 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