Besigheid - Business

Koop-en-verkoopooreenkoms

Dit formaliseer en kwantifiseer die bepalings en voorwaardes waarop die oorblywende eienaars die belang wat ‘n oorlede of permanent ongeskikte eienaar in die besigheid hou, sal koop.

Die dood of permanente ongeskiktheid van 'n mede-eienaar in die besigheid kan die voortbestaan van die besigheid bedreig, omdat die oorblywende eienaars miskien nie die oorlede lid se ekwiteit in die besigheid kan koop nie.

'n Koop-en-verkoopooreenkoms bied 'n maklike uitkoms vir 'n mede-eienaar van 'n besigheid by sterfte of permanente ongeskiktheid, en verseker kontinuïteit in die besigheid.

Voorbeeld

Move It (Edms) Bpk het drie aandeelhouers, John, Jack en Jill, met aandeelhoudings van onderskeidelik 50%, 30% en 20%. Die besigheid word gewaardeer op R1 000 000. Om kontinuïteit in die besigheid te verseker, gaan die aandeelhouers 'n suiwer risikoplan op die lewe van elke mede-eienaar aan in verhouding tot hul aandeel van die besigheid, soos uiteengesit in die koop- en-verkoopooreenkoms. 'n Permanente ongeskiktheidsvoordeel kan ook ingesluit word.

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Buy and sell agreement

This formalises and quantifies the terms and conditions on which the remaining owners will purchase the interest that a deceased or permanently disabled owner holds in the business.

The death or permanent disability of a co-owner in the business could jeopardise the existence of the business as the remaining owners may be unable to purchase the deceased owner’s equity in the business.

A buy and sell solution presents a smooth exit to a co-owner of a business in the event of death or permanent disability, ensuring continuity of the business.

Example
Move It (Pty) Ltd has three shareholders: John, Jack and Jill, with shareholdings of 50%, 30% and 20% respectively. The business is valued at    R1 000 000. To ensure continuity in the business the shareholders take out a pure risk plan on the life of each co-owner in proportion to their share of the business as set out in the buy and sell agreement. A permanent disability benefit can also be included.

Source: Sanlam


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