Restructuring lawyer — Tech, SaaS & Startups (France)

Mac Mahon Avocats is a Paris business law firm advising software publishers, B2B SaaS companies, marketplaces, fintech and deeptech ventures on prevention, restructuring and French insolvency proceedings.

What makes technology restructurings specific

The value of a technology company rests mainly on intangible assets — source code, intellectual property, recurring customer base, engineering team — which depreciate quickly once distress becomes public. That volatility argues for confidential prevention tools first and, where formal proceedings become unavoidable, for preparing them in advance so as to shorten their duration.

Typical sequence

  1. Cash runway: a 13-week weekly cash forecast and identification of the theoretical break point.
  2. Ad hoc mandate or conciliation: confidential proceedings allowing negotiation with investors, lenders (including Bpifrance), the landlord and strategic suppliers.
  3. Solutions: bridge financing benefiting from the new money privilege where the agreement is court-approved (Art. L. 611-11 of the Commercial Code), partial asset disposals, or preparation of a pre-pack sale.
  4. Court proceedings: safeguard, accelerated safeguard or rehabilitation to freeze liabilities and have the plan adopted.

Director exposure

French insolvency toolkit at a glance

ProcedureEntry conditionDurationLegal basis
Ad hoc mandate (mandat ad hoc)No cessation of paymentsSet by the court president, usually 3 months, renewableArt. L. 611-3 Commercial Code
ConciliationActual or foreseeable difficulties; cessation of payments for 45 days at most4 months + 1 month extensionArt. L. 611-4 to L. 611-16
Safeguard (sauvegarde)Insurmountable difficulties, no cessation of paymentsObservation period 6 months, up to 12Art. L. 620-1 et seq.
Rehabilitation (redressement judiciaire)Cessation of payments, recovery possibleObservation period up to 18 monthsArt. L. 631-1 et seq.
LiquidationCessation of payments, recovery manifestly impossibleVariable; business continuation 3 months, renewableArt. L. 640-1 et seq.

A declaration of cessation of payments must be filed within 45 days of that state arising, unless a conciliation request is filed within the same period (Art. L. 631-4 of the French Commercial Code).

Frequently asked questions

Is a loss-making but funded startup in cessation of payments?

Not necessarily. Cessation of payments means being unable to meet due and payable liabilities with available assets (Art. L. 631-1 of the Commercial Code). Cash already raised and available is an available asset; an uncalled or conditional investor commitment is not.

What happens to stock options and preferred shares in insolvency?

Equity instruments are not claims: they are not filed as liabilities and lose their value where the business is sold or liquidated. Liquidation preferences agreed in the shareholders' agreement only bite on liquidation surplus or share sale proceeds, not on the price paid under an asset sale plan.

Can a SaaS contract be terminated because proceedings are opened?

No. Termination clauses based solely on the opening of insolvency proceedings are deemed unwritten (Art. L. 622-13 of the Commercial Code). The administrator elects whether to continue ongoing contracts, post-petition performance being payable when due.

How are source code and customer data treated in a sale plan?

Source code, trade marks, domain names and licences are intangible assets within the perimeter approved by the court. Transferring personal data requires GDPR compliance: a lawful basis, information of data subjects and an unchanged purpose.

Is accelerated safeguard suitable for restructuring venture debt?

It is, where an agreement has been prepared in conciliation with majority support: it allows the plan to be imposed on dissenting classes of affected parties within a short timeframe (Art. L. 628-1 et seq., classes governed by Art. L. 626-29 et seq.).

Contact

Phone: +33 1 45 03 20 20
Email: accueil@macmahon-avocats.fr
Address: 33 avenue Mac-Mahon, 75017 Paris, France

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