In 2019 I created a SaRL to try out a B2B business I had in mind while keeping my full-time job. It worked out OK, a great learning experience, and made a little positive gain after spendings & taxes. However, the ratio of returns over time spent is low. When I realized that by spending my evenings and weekends on this business I would generate the same returns as I would by doing nothing and invest the company capital on the stock market, I decided to stop this particular activity.
Now I was thinking of closing the company, investing the returned capital, and moving on.
But I really like the idea of having an empty shell SaRL that I could use someday if I have a business idea/opportunity requiring a limited liability structure. Creating a Sarl is not a quick process and it cost some money as well so that would prevent me from trying simple stuff “for fun”. But I do not like this opportunity cost of CHF 20k unused capital.
I was thinking of switching to a low-cost commercial bank account like MigroBank at CHF 35.-/yr if no activity. And then since I hold 100% of the company, keep the cash as my “personal” emergency fund. in case of a personal need, I would borrow the money from the company and return it later with a 0% interest rate.
Did anyone here face a similar situation?