Nort-sur-Erdre. Biom Attitude, the agency notes that companies – Companies West France

What for ? How?

Biom Attitude, what is it?

Founded in 2013, Nort-sur-Erdre, Biom Attitude is a rating agency. As its name suggests, it noted companies. But unlike the major international financial agencies, which had made the news, there is some time, lowering the rating of France, Biom focuses on the social and environmental aspect. “Since we do not include economic performance, we do not risk creating a speculative bubble” says its founder Arnaud Lobez.

How Biom attitude she proceed?

From the balance sheet of a company emerges Biom seventy two criteria relating to employment, solidarity and the environment: local hires or not, share of disabled employees, origin from suppliers , taxes paid in France or not, from hybrid vehicles in its fleet … To make its calculations, the agency relies on public repositories sustainable development (local schemes, corporate social responsibility …). At the end she gets a percentage supposed to represent the part of the turnover invested “in land development and well-being of its inhabitants” .

Read also. For Biom, the local is

economic value

Who scored?

For now, Biom noted 260 companies, 70% established in the region. “But we have a national vocation” says Arnaud Lobez. Most are small and medium enterprises of all business sectors. Ultimately, the agency could also noted communities.

Notes, for what?

For rated companies, which have opened their accounts to the agency, the Marketing interest is obvious. The note can tip the balance in their favor with picky clients on sustainability issues, be it other businesses, individuals and especially local authorities, providers of wholesale contracts.

“In terms of tenders, however there is still progress to be made legal” , said Arnaud Lobez. Today, a municipality may not impose on candidates and, through a specification, a grade according Biom index.

How is remunerated Biom?

L The agency derives its revenues from businesses that pay to be noted. To avoid any suspicion of fake notes, the amount of the provision of Biom for two years (the note is reassessed every year) does not exceed € 3,850. “This is what protects my freedom” , provides Arnaud Lobez. His agency, which employs four people, currently has annual turnover of € 300,000. And plans to exceed the two million within three years.

Maxime LAVENANT.

Real-PSG notes: Trapp forgotten, as Di Maria … – Le Figaro Sport

Discover the marks awarded by our special correspondent after the PSG defeat on the lawn of Real Madrid on Tuesday night in the Champions League (1-0).

By our special correspondent in Madrid

Kevin Trapp (3): If its judgments have allowed Paris to stay in the game once led (45 + 3, 56th, 74th, 81st), the German goalkeeper, above all, to the fall of his team by going guilty of a new “ball” of major on purpose Nacho. After Bordeaux, it’s getting a lot …

Serge Aurier (6). A big activity. As usual, the Ivorian paced the right lane along its length. Two caveats, however: aside from that back on Matuidi (21st), centers were not very accurate. Also managed the “achievement” of taking a yellow card for obstruction on the ghost of Cristiano Ronaldo (45th)

Thiago Silva (7). 100% duels earned. All is said. The Parisian captain reigned supreme in his playground. Cristiano Ronaldo and Jesé often came to rub it. They found to talk

David Luiz (6). Strong for his return from injury, the Brazilian could ruin everything with a risky delivery that put Thiago Silva in embarrassment (15th) and especially a revival directly on Isco. Logically warned in stride for having blocked the road in the Spanish goal (66th)

Maxwell:. (6.5): hit 118 balls, more than n ‘ any other player on the lawn! The Brazilian side, which has often crossed when Real evolved in Barcelona, ​​was everywhere Tuesday night. At the end of the first half, its center, that neither Cavani nor Ibrahimovic could not resume, deserved better fate (40th).

Cavani, in big games, his work is not enough shade not

Marco Verratti (not rated): Hit in an ankle Tackles Cristiano Ronaldo along the sideline, the little Italian has quickly given way (13th). Replaced by Adrien Rabiot (6) , which has made Rabiot. Talented when it has the ball, with the highlight being the high-flying technology chain finished on the post (37th), much less when he did not, which forced him to commit some big mistakes.

Thiago Motta (6.5): The rapid output Verratti, his partner in midfield, has not disrupted. True to himself, the Italian set the tempo, dictated his law. If Paris had the technical expertise to Santiago Bernabeu, the former Inter Milan there is obviously no stranger

Blaise Matuidi (5.5.): “marathon” Paris has started strongly. The dry cleaner, the conclusion of the shares, we have seen all over the field. Then he is off to the minutes, confirming his loss of power after an early gun season. Replaced by Lucas (75th) , which almost cause the free-kick equalizer

Angel Di Maria (6.5.): The inverse of Matuidi. On the first discreet, Argentina, for his highly anticipated return to Madrid, is mounted in the power As the match. As soon as he was able to transplant in the axis and play against the game, he created the danger. He could crucify his former teammates but the amounts have decided otherwise (78th, 89th). Nacho forgets his back on the goal Madrid

Edinson Cavani (4). As usual, the Uruguayan was involved in the “war effort”. But in big games, this work shade is not enough. “El Matador” Parisian best scorer this season, posted too many technical gaps to exist. His wait too stung on a service or Di Maria in stoppage time of the first period was the perfect illustration

Zlatan Ibrahimovic (5). Strongly legs in the first half, the Swede just missed to open the scoring in quick succession (22nd, 29th). Much less for after the break, “Ibra” leaves again a mixed impression: 5 shots, 0 framed and the chronic inability to score in the major events

ups

Click on the players to display their detailed statistics

Varane in the shot, not Ronaldo

When Cristiano Ronaldo (3 5) comes to sign for PSG this summer, we can say he has not offended his future team. Already cleared the Parc des Princes (0-0), the Portuguese again crossed the shock of Tuesday night like a shadow. Same comment for his attack gossip Jesé (3) , which has suffered against the physical power of the Parisian supporters.

Few satisfactions Madrid side despite the final victory. Keylor Navas (6) remained vigilant and undefeated at home this season. Isco (6) was the only offensive player at while Raphaël Varane (7) has often saved the day behind. Not to mention Nacho (6.5) , whose entrance instead of Marcelo injured proved decisive. Who would have thought!

Tax: note was saltier in 2014 to half of French – Le Figaro

INSEE figure 0.5% lower average standard of living of households due to the new tax and social measures occurred in 2014. It only slightly reduces inequality.

The Insee confirmed in a study published on Wednesday morning that the French feel for many months already: higher levies beating down their standard of living. The National Institute of Statistics figure actually 0.5% lower average standard of living of households due to new fiscal and social measures that occurred in 2014. The drop was even 0.9% for the 10% of households richer. He also stressed that “the reforms of benefits and withdrawals occurred in 2014 penalize 50% of the wealthiest households and save 10% more modest.” In other words, half of the French are losers!

The reason? Essentially the “increase in income tax, targeted to better-off” and higher pension contribution rates, noted INSEE. If no new measures had been implemented, the samples were lower (-1.9%) and slightly higher social benefits (+ 0.1%).

The Insee into detail. The measure that has had the most impact on disposable income is rising salary pension contribution rate (2.4 billion euros), which concerns all active contributors. It generates an average loss “140 euros for almost 18 million households while being neutral on inequality.” The side of the income tax, a further reduction of the ceiling of the family quotient comes underestimate the effect of the inclusion of dependent children in the tax calculation. For gasoline targeted on families paying a higher tax, “is the measure that contributes most strongly to the reduction of inequalities in 2014 by reducing the disposable income of these households of 1.15 billion euros.”

Also, remember to Insee, “the overall tax benefit cap pulled different tax credits and reductions were significantly lowered in 2014″. This measure represents an average additional tax of more than 4,000 euros to 30,000 households, almost all among the wealthiest 10%.

The end of the exemption to IR participation of employer to finance a supplementary health insurance and the pension increase of approximately 10% benefiting 4 million pensioner households who raised at least three children “lower average annual disposable income of the households concerned respectively 390 euros and 130 euros, “says the Institute.

The exceptional tax reduction for low incomes helped limit the effect of this action for the least well-off taxpayers.

The study shows that in total, all of the devices reduced “slightly” inequalities in living standards between the richest households and more modest: the average living standards of 10% of the richest French is 6.32 times that of the smallest 10%. Without these devices, the ratio would have been 6.40.

USAP ordered to repay the URSSAF: another hefty! – France Bleu

After being ordered to pay 330,000 euros for the dismissal of Jacques Delmas, it’s an old story that catches the Catalan club sentenced on appeal in Montpellier, to repay the URSSAF.

If the field things do not turn out too bad for the USAP (Third PRO D2 five points behind the leader), backstage, hard strokes accumulate. USAP is sanctioned for acts dating back to 2006 – 2009 and must now repay 226.000 euros to URSSAF . With the increase and default interest, the sum should even exceed 250,000 euros.

At first instance, the Social Court, the note was less salty, but had appealed and URSSAF now gets totally successful. Administration period 2006-2009 is pointed at: problem on the benefits (cars) given to players, but also on the management of image rights, including New Zealand star Dan Carter , as the URSSAF considered as a more or less disguised wage.

Another note of almost 400,000 euros?

This USAP / URSSAF case concerns the period 2006- 2009, but meanwhile URSSAF carried out further checks on the USAP in the 2010-2012 period. There is less than a year, USAP has received another note from nearly 400,000 euros could therefore definitely be added in amounts payable by the Catalan club. It will in any case prove to the DNACG that the club will be able to pay everything.

“I’ll have to put the hands in the pocket.” François Rivière, president of the USAP

Reached by France Bleu Roussillon, President of the USAP François River confirms this new sanction for the USAP, which “is not good news and you have to pay this amount in my view to be of the order of 280,000 euros. ” 330,000 euros in the Delmas record, more than 250,000 euros in the first URSSAF file perhaps 400,000 more soon , how USAP will she cope?

Rebalance cash

“It is necessary that the shareholders I represents 80% of capital, rely upon this month the money in a current account. I’ll do it, although I had not expected. I am committed to what the sport is not affected by financial problems this season and it will be so. All this will have to pay the deficits of the past while the club income for a year, on operating profitability, the club loses more money, but unfortunately, it has yet to pay past debts. “

” The consequence of this conviction is on appeal the second control URSSAF for the years 2010-2012 and having lost the appeal on the first control puts us in an uncomfortable position on this second litigation. We need that from this month I send cash amounts required to not unbalance the capital. If I’m not calling out to the pocket, we can not close the budget you say that I find it hard , that’s obvious. “

Alcohol in bars and restaurants: Quebec gets the grade of C + – Beauce Media

Restaurants Canada published by press release today a new report card in which each province is assessed according to its policies and regulations on alcohol, entitled Raise the speed .

“The Quebec policies on alcohol need to be updated, said Jean Lefebvre, Vice-President of Canada for Quebec Restaurants. The absence of wholesale prices prevents bars and restaurants to offer the best experience to their customers. Many outdated laws have simply not their reason for being. “

For the entire country, it is Alberta that leads with a rating of” B + “, that due because it offers bars and restaurant owners a wide selection of alcoholic products at competitive prices. Newfoundland and Labrador was awarded the grade of “F” for its high prices, lack of choice and the adversarial system

Click here for the results of each province. http://www.multivu.com/players/fr-ca/7678251-restaurants-canada-bar-liquor/

The Gradebook Raise the speed follows a survey of owners of bars and restaurants in Canada, frustrated by provincial regulations that control the cost and distribution of alcoholic beverages that they serve to their customers. The report assesses the governments of each province and grants them a note for their support for the sector catering and food services, in different categories including prices and choice; permits and regulations; sales to customers; and policy and regulatory activity.

Almost all members of Canada Restaurants surveyed (97%) would benefit from wholesale prices on the products they sell in their bars and restaurants, and 72% report that their supply cost (often from distribution monopolies) have a negative impact on their competitiveness. Less than a third (30%) believe that their alcohol provider or local beer gives them for their money.

“There is much room for improvement, but there is also the positive, says Lefebvre. The Quebec government is looking for ways to reduce the complexity of the permit system and eliminate the stamping of bottles. The Quebec on alcohol policy is oriented in the right direction. “

Restaurants Canada includes 30,000 food service companies in the country.

Celebrations in Beirut, on a note of sacred music – L’Orient-Le Jour

For its eighth edition, the festival Beirut Chants program 28 concerts.
This is what organizers said at a press conference held at the Yacht Club of Beirut in the presence of Minister of Tourism Michel Pharaon and MP and former Minister Bahia Hariri. Which have emphasized the importance of this festival as “main tourist and cultural attraction of the holiday season” (dixit Michel Pharaon) and “celebration Christmas values ​​also reflect the spirit of national unity , especially as this year, the Christian Nativity coincides with the feast of the birth of the Prophet “(dixit Bahia Hariri). In order to Micheline Abou Samra, the founder of this annual event,” despite all the conflicts that we surround, Beirut will sing this even stronger than in previous years to testify to the desire for peace, love and moderation of its residents. And say, by culture, their rejection of violence, radicalism and fanaticism “.
The festival’s artistic director, Father Toufic Maatouk, insisted, for its part, in its role as a” platform for musicians and local and international choirs, which are found both whole Asil Eastern music as the famous pianist Julien Libeer, renowned soloists as children’s choirs or Avanesyan Trio … “. The program
, available on the website of the festival * and social networks, foreshadows a good vintage 2015. We welcome the dynamism and perseverance of this festival, through the free access of the listeners, is for all audiences and all music lovers and helps maintain the cultural face of Beirut

* Beirutchants.com or Facebook.com/beirutchants

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Selecting “OLF” concerts not to be missed

Mardi 1, 20h
Presented in May at Carnegie Hall, the Messa di Gloria by Giacomo Puccini will open the evening of the festival at the St. George Maronite Cathedral. Bechara Moufarrej with tenor, baritone Salvatore Grigoli, the bass voice Maliverno Carlo, the choir of the Antonine University and the NDU and the orchestra Giovanile Palermo Mediterranea, under the direction of Father Toufic Maatouk.

Thursday 3, 20h
“Christmas Concert” at St. Maron Church Gemmayzé with Corinne Metni, Eliane Saade, Nasr Bechara Moufarrej and Teddy, and the orchestra Mediterranea Giovanile Palermo, led by Sebastien Bagnoud.

Friday 4, 20h An Angelic Sound
with the famous harpist Xavier de Maistre in St. Maron church.

Monday 7, 20h
music Salon Belle Epoque at St. Elijah Kantari church. With Artemisa Repa soprano and pianist Fabio Centanni.

Tuesday 8, 20h
Violin and Piano in St. Louis of the Capuchins, with Boris Andrianov (first prize Contest Rostropovich) and Alexander Ghindin (first prize Tchaikovsky).

Friday 11 20h
Tribute to Naji Hakim with the Lebanese Philharmonic Orchestra at the Saint Cathedral -Georges Maronites.

Saturday 12 20h
Technique Does not Exist, recital of pianist Julien Libeer talent recognized at St. Maron Church Gemmayzé .

Tuesday 22, 20h
A Tribute to Beirut Orpheus Choir at St. Maron church. On the menu: the Coronation Mass by Mozart and Christmas carols with sopranos Corinne Metni, Samar Salamé and Miranda Heldt; mezzo Angela Simkin; Julian Issa tenor, baritone Julien Van Mellaerts and Rajai Khoury and the Antonine University Choir under the direction of Toby Purser and Toufic Maatouk.

Wednesday 23, 20h
operatic arias Bouquet with soprano Cinzia Forte accompanied by pianist Maurizio Agostni. Closing concert presented at St. Maron Church, in collaboration with the Teatro di San Carlo in Naples.

For the record
In the gates of heaven with Rossini …

Volcanic Vadim Kholodenko

European shares opened on a note undecided – Zonebourse.com

In Paris, the CAC 40 in advance of 0.06% to 4919.10 point to 8:40 GMT. The Dax in Frankfurt gives 0.11% but the FTSE rose 0.08% in London. The EuroStoxx 50 index for the euro area ahead of 0.03% while the FTSEurofirst 300 was down 0.04%.

If Chinese stock markets ended slightly down, the MSCI index grouping Asia-Pacific (excluding Japan) was inspired by the good performance of Wall Street the previous day to end a run of five consecutive declines, with a gain of over 1%.

The euro continues against the dollar despite the assumption increasingly probable new measures of the European Central Bank (ECB) at its December meeting, to make up for inflation in the euro area.

The decline of the greenback advantage over US crude in modest increase, but not to that of Brent. Generally, oil remains weighed down by concerns about an oversupply of the situation offers

In this context of uncertainty, financial assets considered safe -. German Bunds, US Treasury bonds, or – are sought. In addition, sovereign bond prices in the euro area remain driven by the prospect that the ECB will soon buy more assets under its quantitative easing program.

Under the blow back some 3.5% of the action Volkswagen, the index grouping the European car values ​​accuses one of the strongest sectoral declines early in the day with a decline of 0.46%.

US authorities said on Monday suspected of having the German manufacturer also used the test software on handling emissions of its diesel engines on large cars and not just on millions of mid-range vehicles.

In the wake of the title Volkswagen, Porsche action loses 2.9%.

The decline in automobile compartment is somewhat hindered by the gains of the BMW share (+ 0.68%) after the world’s biggest high-end automobile has reported an unexpected increase in its operating result for the third quarter.

Behind the automotive sector, the banking sector (-0.34% ) also pulls the rating down, with on one side a UBS title that gives 3.25% and the other a Standard Chartered share which fell by more than 5%.

The Swiss bank including the better than expected result was partly due to a tax credit, pushed further from 2016 to 2018 its target of a return on tangible equity (ROTE) adjusted above 15%.

Standard Chartered has in turn announced its intention to increase its capital by 5.1 billion (4.6 billion euros) and eliminate 15,000 jobs as part of a strategic plan to restore its profitability.

After her down 2.9% Monday after the release of third quarter results, the title PostNL plunged by some 15%, showing the greatest decline in the Stoxx 600, after Dutch postal operator presented its 2016 goals and ambitions on the horizon of 2020.