Pankrot vs saneerimine? Mida riik tegelikkuses soovib ja mida saab loota ettevõtja?
Praktilised nõuanded saneerimismenetluse ja/või pankrotimenetluse valiku tegemisel!
Pankrotiseadus: pankrot on võlgniku kohtumäärusega väljakuulutatud maksejõuetus
Pankrotiseaduses sätestatud pankrotimenetluse eesmärgiks on pankrotimenetluse kaudu võlausaldajate nõuete rahuldamine võlgniku vara arvel pankrotiseaduses ettenähtud korras ning seda võlgniku vara võõrandamise või võlgniku ettevõtte tervendamise kaudu. Füüsilisest isikust võlgnikule antakse pankrotimenetluse kaudu võimalus vabaneda oma kohustustest pankrotiseaduses ettenähtud korras. Pankrotimenetluse käigus selgitatakse ühtlasi välja võlgniku maksejõuetuse põhjused.
Saneerimine ja võlgade ümberkujundamise menetlused kui tervendamisele suunatud menetlused.
Makseprobleemide tekkimisel on alternatiivseks menetluseks juriidiliste isikute puhul saneerimine, mis toimub saneerimisseaduse alusel.
Ettevõtte saneerimine on abinõude kompleksi rakendamine ettevõtte majanduslike raskuste ületamiseks, tema likviidsuse taastamiseks, kasumlikkuse parandamiseks ja jätkusuutliku majandamise tagamiseks olukorras, kus ettevõttel ei ole veel alalist maksejõuetust.
Füüsilise isiku makseprobleemide lahendamisel on pankrotimenetluse alternatiiviks võlgade ümberkujundamise menetlus.
Müüt: saneerimine ja võlgade ümberkujundamine on üksnes pankrotimenetluse venitamiseks.
Olen osalenud sadades pankrotimenetlustes, enamusel juhtudel pankrotihaldurina. Samuti olen osalenud ca 10 saneerimismenetluses ja võlgade ümberkujundamise menetlustes. Kuigi üldine arvamus on, et saneerimised või võlgade ümberkujundamised enamuses ei õnnestu või need on mõeldud pankrotimenetlustega venitamiseks, siis julgen kogemuslikult väita, et minu osavõtul toimunud saneerimistest või võlgade ümberkujundamise menetlustest ei ole õnnestunud vaid kaks!
Ka nendes kahes pole senini veel jõustunud kohtulahendit ning menetlus pole lõppenud, kuigi tõenäoliselt jätkuvad need pankrotimenetlusena, sest vaatamata korduvale võlausaldajatega suhtlemisele, lepituse ning kompromissivõimaluste väga intensiivsele otsimisele ei õnnestunud kompromissi saavutamine.
Tegelikkus: avalduse õigeaegne esitamine võib kaasa tuua edu!
Nii saneerimis- kui pankrotimenetluste õnnestumisel on oluline avalduse esitamise õigeaegsus. Samuti ka eelnev ettevalmistus ning pooltevahelise kompromissi otsimine, leidmine ja vastastikuste jäikade hoiakute vältimine!
Mõlemad menetlused on äärmiselt nüansirohked ja enamusel juhtudel on tegemist mistahes n-ö tavapärastest tsiviilõiguslikest olukordadest erineva olukorra ning probleemidega. Ka hiljutises meediakajastust saanud saneerimismenetluses võis tähendada olukorda, et võlausaldajad olid oma seisukohtades jäigad ja samas ei julgenud võlgnik ka rohkemaga (koheselt täiendavate vahendite menetlusse lisamisega) riskida, sest kartis et võlausaldajad ei pea oma sõna!
Nii võlgnikul kui võlausaldajatel oli õigus oma seisukohti hoida ja kaitsta, kuid küsimus on ainult selles, et kuhu nad mõlemad „oma õigusega“ lähevad. Tulemuseks on pankrotimenetlus, mis ei ole kummalegi parem lahendus, aga solvumine ja „oma õigus“ just selle tingis!
Tegelikkus: tervendamise võimalused on piiratud, kui vara puudub
Varasemalt olid pankrotti sattunud ettevõtetel järgi veel mingi vara ning väga tihti arutasid võlausaldajad ja võlgnik ettevõtte tervendamise võimalusi, mis teatud juhtudel ka õnnestus. Isegi kui ei õnnestunud, siis oli vähemalt võimalus olemasoleva varaga läbi viia pankrotimenetlust.
Müüt: võlgnikel on hirm kriminaalmenetluste ees!
Aastaid tagasi oli võlgnikel hirm võimaliku kriminaalmenetluse ees, mistõttu pankrotiseadus ja selle rakendamine toimis suhteliselt normaalsete majanduspõhimõtete järgi – kui oli pahatahtlik pankrot, siis järgnes kriminaalmenetlus, kui pankroti põhjuseks olid muud asjaolud, siis toimus tavapärane pankrotimenetlus olemasoleva vara võõrandamise ja võlausaldajate nõuete rahuldamisega.
Tegelikkus: Viimasel 5 – 10 aastal on aga muutunud massiliseks olukord, kus ettevõte „kanditakse“ enne pankrotimenetlust tühjaks. Seejärel peaks läbi viima „tühja“ pankrotimenetluse olukorras, kus selleks rahalised vahendid puuduvad.
Võlgnikud on saanud aru, et kui muuta ettevõte eelnevalt täiesti varatuks, siis väga tõenäoliselt lõpeb pankrotimenetlus ilma probleemsete järelmiteta lihtsalt ära. Põhjuseks on tihti asjaolu, et keegi pole nõus andma juurde veel raha selleks, et tegelda pankroti põhjuste, varade ära kantimiste väljaselgitamisega olukorras, kus on selleks võimalused väga piiratud. Taolist kiirustatud pankrotimenetluse lõpetamist nimetatakse pankrotimenetluses raugemiseks, sest pole vara, pole raha, pole isikuid, kes oleks nõus finantseerima pankrotimenetlust.
„Näidake“ võlausaldajat, kes tahab lisaks juba kaotatud rahale juurde maksta tuhandeid eurosid. Enamusel juhtudel ei olda nõus seda tegema ning isegi juhul, kui on ilmne juhatuse liikme kohustuste rikkumine ja maksejõuetuse tahtlik põhjustamine.
Prokuratuur: puuduvad võlausaldajatest ettevõtjate abistamiseks ressursid
See, et ajutine haldur suudaks temale antud paari nädala jooksul tuvastada kõiki või enamuse võlgniku „sigadusi“, on lihtsalt ebareaalne. Seejuures pankroti väljakuulutamine ei ole reaalne, sest ettevõte on tühjaks „kanditud“ ning pole vahendeid pankrotimenetluse läbiviimiseks!
Prokuratuuri väitel puudub pankrottidega seotud kuritegude menetlemiseks ressurss. Veel enam – riik on andnud enamus pankrotimenetlustega seotud kriminaalmenetlusi tavapolitsei menetleda, kes kinnitavad ka ise, et neil pole teadmisi/oskusi ja ka ressursse taolisteks menetlusteks. Isegi kui politsei või prokuratuur alustab kriminaalmenetlust, siis venib see aastate pikkuseks, kuna “ressurssi“ pole!
Kui ma kogenud haldurina neid asjaolusid siinjuures avalikult selgitan, siis võib kahjuks tekkida olukord, kus võlgnikud saavad nendest selgitustest veelgi julgust juurde. Kas ma aga peaksin vaikima ja vaatama, kuidas see absurdne olukord meie riigis muudkui jätkub? Seejuures on veel ette ennustamatu, mis hakkab nüüd, peale eriolukorra kehtestamist või selle lõppemist toimuma.
Kas pankrotihaldur on majanduspolitseinik?
Riik ise on läbi justiitsministeeriumi ja eelkõige läbi erinevate astmete kohtunike asunud viimasel 5 aastal aktiivselt ka haldurite tegevust blokeerima ja seda kasvõi näiteks läbi pankrotihalduri tasude olulise vähendamise.
Justiitsministeeriumi ja kohtunike arvates peaksid kõrgharidusega pankrotihaldurid oma väga piiratud rahaliste võimalustega otsima nö. majanduspolitseinikuna neid võlgniku „sigadusi“, saades samal ajal politseikordniku palka ja seda ka alles 2 – 3 aasta pärast s.o. peale pankrotimenetluse läbiviimist ja juhul kui üldse õnnestub midagi pankrotivarasse tagasi saada!
Võlgnikele karistus puudub?
„Tublid“ võlgnikud on õpihimulised ja karistamatud pankrotistumised muudkui jätkuvad, sest majanduslikud võimalused läbi ettevõtete taolisi kelmusi sooritada on suurepärased. 90 % tõenäosusega nende suhtes nagunii keegi kriminaalmenetlust ei alusta või ei suudeta menetleda just ressursi puudusel! Isegi kui suudetakse, siis karistuseks ei ole tegelikkuses „mitte midagi“ !
Kogu olukorra teeb kummastavaks aga see, et nüüdseks juba mitmed kohtunikud on otsustanud, kas endale teadvustamata või muudel põhjustel, otsida pankrotimenetluse läbiviijateks just neid haldureid, kes kõrge kvalifikatsiooni ja majandust tundvate isikutena (sisuliselt kohtus esineda oskavate majandus-politseinikena) ikka pankrotimenetluses või saneerimise, likvideerimise menetlustes võimalikult vähe raha küsiksid ja võimalikult vähe raha saaksid!
Näitena, viimati eelmise aasta sügisel kirjutasid mitmed kohtunikud Kohtutäiturite ja Pankrotihaldurite Kojale, et otsitakse just pankrotihaldureid/ likvideerijaid olukorras, kus ettevõte on (NB! kogemuslikult arvan, et ettevõte on paljudel juhtudel just peale suuri tehinguid „moondatud“ väikseks äriühinguks) jätnud igasugused aruanded juba mitu aastat esitamata (NB! … ja võlausaldajad on juba enamusel juhtudel „löönud käega“), seega pole varasema tegeliku tegevuse kohta andmeid, eriti pole vara, mõni üksik kinnisasi, mis panditud või arestitud !
Kohtu suhtumisest nähtub, et poleks isegi vajalik sinna ettevõtte varasemasse tegevusse nii põhjalikult või rohkem vaja süüvida, sest nagunii saaks haldur selle töö eest väga väikse summa selleks, et kohus saaks selle „asja kaelast ära“! Paljudel juhtudel on teinud selle avalduse üldse äriregister ise, sest juhtkond „on kadunud“!
Kohus otsesõnu viitab, et soovib viia sellise likvideerimismenetluse läbi võimalikul väikeste kuludega, sh. võimalikult väikese likvideerija tasuga. Kohus (oma kirjas) hindab juba ette taoliste likvideerimiste või menetluste asjas mõistlikuks likvideerija tasuks ühe ühingu kohta suurusjärku 300 – 500 eurot (neto)! Kohus möönab, et kui töö maht kujuneb tavapärasest suuremaks, on võimalik peale likvideerimise algatamist taotleda ka täiendava likvideerija tasu määramist, kuid see peaks olema pigem erandlik ehk siis „otse tõlkes“ – ei maksa tööga üle pingutada, raha nagunii rohkem pole ja ka tõenäoliselt ei saa! Las see kõik, mis seal ettevõttes „täpsemalt“ on tehtud jääb sinna, kus ta oli! Peaasi et asi saaks kiirelt „kaelast“!
“Tagala kindlustamine” läbi halduri tasuta töö?
Muidugi, seadus näeb ette teatud miinimumandmete kogumise ja kohus paneb enda „tagala kindlustamiseks“ neile peaaegu „tasuta“ tegelema hakkavatele halduritele ette, et selle likvideerija tasuga on hõlmatud:
• likvideerimise alg- ja lõppbilansi koostamine;
• viimase majandusaasta aruande koostamine, kui see on vajalik;
• võlgnike ja võlausaldajate väljaselgitamine;
• võlgade sissenõudmine, vara müük ja kohustuste täitmine;
• kõigi teiste õigusaktides sätestatud likvideerija kohustuse täitmine;
• vajadusel kohtu poolt kirjalikult esitatud küsimustele vastamine ja aruannete esitamine kohtule.
Kokkuvõttes otsib kohus „peaaegu tasuta“ tegutsevat, bilansivõimelist raamatupidajat-jurist-likvideerija-pankrotihaldurit eeldatava (loe kogutasuga, millest maksud ja kulud veel maha arvatakse) tasuga 300-500 eurot? Ja samas peab see „tegelane“ kogu oma „adekvaatse“ tegevuse eest vastutama!
Vastutab oma tegevuse eest ilma tasu saamata?
Kokkuvõttes otsib kohus „peaaegu tasuta“ tegutsevat, bilansivõimelist raamatupidajat-jurist-likvideerija-pankrotihaldurit eeldatava (loe kogutasuga, millest maksud ja kulud veel maha arvatakse) tasuga 300-500 eurot? Ja samas peab see „tegelane“ kogu oma „adekvaatse“ tegevuse eest vastutama!
Pahaaimamatu võlgniku “kelmusi” soodustav käitumine süsteemis?
Arvan, et kohtunikud ei tee seda pahatahtlikult, vaid nad isegi ei mõtle sellele, millise teene nad neile paljudele „pättidest“ võlgnikele osutavad! Saan ka kohtunikust aru, sest töökoormus on ülisuur, taolisi menetlusi on palju ja need on vaja „kaelast ära saada“. Kui „pärast jamaks kisub“ siis saab ju kõik ajada selle väikse tasuga nõustunud likvideerija ja/või pankrotihalduri „kaela“ !
See, et taolise olukorra ja suhtumisega muudetakse Eesti majanduskeskkonda ja ettevõtluses tehtud „sigaduste eest“ aina karistamatumaks, ei tule tõenäoliselt kellelegi isegi mitte pähe!
Kas on riigi arvates tõesti mõistlik, et nende ettevõtete vastu, kes on juba „surnud/tapetud“ ei pea me „surma“ põhjuste selgitamiseks oma ressurssi raiskama?
Minu kätte ei ole sattunud ühegi kohtuniku murekirja või artiklit sellest, et võlgnikud või võlausaldajad tegutsevad karistamatult ja majanduskeskkonda otseselt kahjustavalt ning tegemist on tõsise probleemiga! Võib-olla ma pole lihtsalt sattunud neid lugema!
Advokaat A. Jaanson avaldas 04.03.2020 arvamusloo – Kuidas võidelda pahatahtlike saneerimiste vastu?
Ka A. Jaanson viitas, et edukaid saneerimisi on Eestis kahjuks väga vähe, mille üheks põhjuseks on saneerimismenetluste halb maine, mida saaks parandada konkreetsete sammude astumisega!
„Sammudena“ pakub A. Jaanson välja selle, et sisuliselt tuleks hoopis saneerimisnõustajaid survestada ja panna vastutama, kui ettevõte on „tühjaks tehtud“! Taaskord ainuke väljapakutud „abinõu“ pahatahtlike saneerimiste puhul on saneerimisnõustaja tasu vähendamine või selle üldse mitte maksmine? Lisaks pakub kolleeg välja veel täiendavate ekspertide kohese kaasamise mõtte ehk siis niigi makseraskustes oleva ettevõtte saneerimiskulude veelgi suurenemise. Seega kui muidu ei lähe makseraskustes ettevõte pankrotti, siis täiendavate ekspertide kaasamise ning neile ülisuurte tasude maksmisega läheb ta kindlasti! Kes on saneerimisseaduses sätestatud ekspertide tasude suurust ja arvutamise korda vaadanud, saab sellest aru!
Kui saneerimisnõustajaga on ettevõtjal võimalik enne menetlust tasu suurus läbi rääkida, siis ekspertide puhul see võimalus puudub, sest kohus otsib – määrab eksperdid alles peale seda kui makseraskustes ettevõte on saneerimisseaduses ettenähtud ekspertide tasude tabelile ettenähtult tasunud tasude summa kohtu deposiiti! Selle tulemusena muutub saneerimine üldjuhul veelgi ebatõenäolisemaks!
Tühjad ettevõtted ja esitamata jäetud majandusaasta aruanded.
Need, kes täna saneerimisest kirjutavad, on üldjuhul kogenud advokaadid ja on kindlasti osalenud paljudes saneerimistes ja pankrotimenetlustes, kuid on huvitav, et tegelikkuses mitte keegi ei muretse sellepärast, et meil on massiliselt neid ettevõtteid, kes on tegelikkuses enne saneerimist või pankrotti täiesti tühjaks muudetud/kanditud. Nad pole aastaid majandusaasta aruandeid esitanud ja ka ei kavatse esitada! Loomulikult ei saaks ega tohiks taoliste ettevõtete suhtes saneerimist alustada!
Saneerimisavalduse esitamine, kui võimalik abinõu ettevõtte päästmiseks?
Saneerimisavaldusi esitatakse tänasel päeval vähe, sest üldjuhul teevad kohtud ettevõtja – võlgnikule eelneva ärakuulamise ja põhjaliku küsitlemise. Oma kogemusest arvan, et TÄNA ESITAB saneerimisavalduse see ettevõtja, kes ka tegelikkuses soovib veel miskit päästa või kompromissi leida!
See kes on juba teinud „sigadusi“ või tahab pankrotimenetlusega venitada ei esita täna enam mitte midagi – ei aruandeid, ei deklaratsioone, ei suhtle, või siis suhtleb ja muudkui lubab aga tegelikkuses ei täida. Täna on võlgnikul „mugavam“ettevõte tühjaks kantida, mitte midagi teha, mitte esitada pankrotiavaldust ja lihtsalt „tiksuda“!
See ei ole soovitus, vaid Eesti ettevõtluse tänane tegelikkus!
Kui neid võlgnikke/juhatuse liikmeid püüda kuidagi vastutusele võtta, siis see on sisuliselt võimatu, sest kes peaks maksma sellega kaasnevad kulud. Mulle tundub, et riik ise on selle olukorrale (enamusel juhtudel) „löönud käega“, sest täna on TEGELIKKUSES riigi vara eraldi kaitstud JA ettevõtjate vara osas peavad ettevõtjad ise muret tundma ja need valusad petta saamised kinni maksma! Kas tõesti?
FAKT! Kui maha on jäetud maksuvõlg, siis maksuamet kasutab maksuvõla kättesaamiseks just maksuameti jaoks loodud eraldi menetlust st. vastutusmenetlust juhatuse liikme vastu ja kui maksuamet seda kohaldab, siis peab juhatuse liige sellega mittenõustumisel hakkama sellega ise halduskohtus vaidlema (mitte ei pea maksuamet hakkama võlgnikku taga ajama) ja sellejuures kasutab maksuamet väga aktiivselt nii firma kui ka selle juhatuse liikme isiklike varade arestimist! Sellejuures on maksuametil võimalus kasutada mistahes registreid, kriminaalmenetluslikke võimalusi!
N-ö tavavõlausaldajal – eraettevõtjal -, aga taolised „erilised võimalused“ puuduvad ja lisaks „tühjaks tehtud“ ettevõttes vara mitte kättesaamisele on reaalsuses juhatuse liikmelt millegi saamise tõenäosus väga väike!
Riigi vara on eriliselt kaitstud, eraettevõtja vara või nõuded on teise- või kolmandajärgulised!
Vajab märkimist, et ka viimati Äripäevas meediakajastust saanud saneerimismenetlus oli saneerimise alguses reaalselt tegutsev, ca 50 töötajaga ettevõte ning kogemuslikult arvan, et kui maksuamet oleks antud menetluses juba algusest peale olnud nõus kompromissi arutamisega (olen saneerimismenetlustes saavutanud varasematel aastatel maksuametiga mitmeid kompromisse), siis oleksid ka teised võlausaldajad olnud tõenäolisemalt saneerimiskavaga nõus.
Algselt hääletas enamus võlausaldajaid saneerimiskava vastu, kuid toimunud võlausaldajate üldkoosolekul arutati tegelik olukord läbi, esitati võlgnikule ja ettevõtte omanikule palju küsimusi ning enamus võlausaldajaid nõustusid saneerimiskavaga. Kahjuks ei nõustunud saneerimise alguses ega ka lõpus sellega maksuamet, milline asjaolu osutus otsustavaks! Tulemus on see, et need 50 töötajat lähevad nüüd töötukassa loetelusse, saavad riigilt küll suure summa, aga seda olukorda oleks olnud maksuametil võimalik vältida (jättes kõrvale tänase eriolukorra)!
Eelviidatud ettevõttega seoses esitasid nii võlausaldajad kui ka ettevõtte uus omanik erinevate juhatuse liikmete ja varasemate omanike suhtes kuriteokaebusi, millest aga tõenäoliselt ei tule tulu mitte kellelegi, sest kahjuks menetleb riik kriminaalmenetlusi valikuliselt ja ka põhjendab kriminaalmenetluse mittealgatamisi ja algatamisi taoliselt et mingit erilist õiguslikku loogikat sealt pole võimalik leida!
Kas seoses koroonaviirusega pole saneerimine mõistlik? On küll!
14.03.2020 kirjutas Annika Jaanson saneerimiste perspektiivi kohta, aga uue positiivse artikli milles ta kutsub üles ettevõtteid kasutama siiski saneerimise võimalusi koroonaviirusest tekkinud majanduskaose alguse tingimustes.
Kahtlemata peaks paljude ettevõtete jaoks olema tänases väga keeruliseks muutunud majandusolukorras saneerimisvõimaluste kasutamine ülioluline ja seda just nimelt selleks, et võlgasid ümber struktureerida, neid vähendada – viia olemasolevate majanduslike võimalustega ning perspektiividega kooskõlla.
Praktikuna pean vajalikuks juhtida tähelepanu kõige esmastele, kõige olulisematele aspektidele mida ettevõtte juht peaks saneerimisele mineku otsuse tegemisel arvestama:
Ettevõtja võiks läbi lugeda saneerimisseaduse, milline teiste seadustega võrreldes pole üldsegi pikk – koos rakendussätetega vaid 54 paragrahvi!
See ei tähenda et ettevõtja peaks ise juristiks hakkama, vaid seda, et ettevõtja tõenäoliselt oskab peale seda juba juristi või tulevase saneerimisnõustaja käest miskit sisulist küsida!
Ettevõtja võiks uurida ka seda, kellel saneerimisnõustajateston tegelikkuses „ette näidata“ edukaid saneerimisi, millest ettevõtetele on ka kasu olnud. Tulevane saneerimisnõustaja on ettevõtja jaoks oluline isik ja edukas saneerimismenetlustega seotud kogemus on parim visiitkaart!
Mina ei tea ühtegi saneerimisnõustajat, kellel kõik saneerimised oleksid õnnestunud, aga ettevõtja võib otse helistada või saata e-kirja tema poolt leitud võimalikule saneerimisnõustaja kandidaadile, ning seoses võimaliku saneerimisteemaga teha ettepaneku kokkusaamiseks. Saneerimisseadus taolist võimalust eraldi ei näita, aga ka ei keela ja just praktika on see, kus taolised olukorrad on juba kümneid kordi kasutatud!
– Õiguspraktikuna soovitan, et just nimelt koos võimaliku saneerimisnõustaja kandidaadiga oleks mõistlik juba enne saneerimisavalduse esitamist koostada saneerimiskava projekt ning see esitada kohtule koos saneerimisavaldusega. Sellega tagate ka endale tunduvalt realistlikuma ülevaate edasise saneerimise võimalustest ja samuti suurema tõenäosuse, et kohus võtaks teie poolt esitatavat saneerimisavaldust piisavalt tõsiselt.
Nagu ka A. Jaanson 04.03.20 kirjutas, ei taha ka kohtud saneerimismenetluste edukusse uskuda!
Minu kogemuse kohaselt selleks, et kohus usuks ja ka võlausaldajaid oleks võimalik uskuma panna, siis ongi vajalik saneerimiskava projekt enne saneerimisavalduse esitamist läbi mõtelda, võimaliku saneerimisnõustaja kandidaadiga läbi arutada.
– Esita kohtule oma saneerimisnõustaja kandidaat! Seda võimalust saneerimisseadus eraldi ei rõhuta, kuid praktikas vägagi kasutatav.
Peale eelviidatud saneerimismenetluse ettevalmistavaid toiminguid on ettevõtjal võimalik otsustada, kas paluda kohtul määrata saneerimisnõustajaks see isik, kellega sai saneerimiskava projekt koostatud või hoopis keegi kolmas! Üldjuhul praktikas kohtunikud määravad saneerimisnõustajaks selle isiku, keda ettevõtja soovib (eeldusel et saneerimisnõustaja kandidaat vastab SanS § 15 lg- 3 ettenähtule).
Kui vaadata reaalselt vajaduspõhiseid saneerimisi, siis on saneerimine „haigestunud“ ettevõtte ravimine, mille edukus sõltub väga paljuski vastustest järgmistele küsimustele:
1. Milline on ettevõtte „tervislik seisund“ vahetult enne saneerimist?
2. Milline oleks ettevõtte „tervislik seisund“ pärast saneerimist?
3. Kui kiiresti on võimalik panna ettevõtte „haigusele“ diagnoos?
Saneerimine ei ole võlukepike, kus saneerimisnõustajalt oodatakse selgeltnägija võimeid!
Saneerimismenetlus on väga suur ja tihe koostöö ettevõtja ja saneerimisnõustaja vahel, mille edukaks lõppemiseks on vajalik ka võlausaldajatel mõned sammud „tagasi astuda“!
Seejuures kutsun üles ka võlausaldajaid samme tagasi astuma, sest teistsugusel lähenemisel võivad võlausaldajad sattuda veelgi negatiivsemasse olukorda.
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Consider the values embedded in technology and innovation. How do societal values influence the development and use of technology?
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