{"id":8886,"date":"2026-03-16T14:07:13","date_gmt":"2026-03-16T14:07:13","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=8886"},"modified":"2026-03-19T09:52:02","modified_gmt":"2026-03-19T09:52:02","slug":"les-defis-des-baux-commerciaux-les-options-strategiques-pour-les-proprietaires-en-cas-dinsolvabilite-dun-locataire","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-defis-des-baux-commerciaux-les-options-strategiques-pour-les-proprietaires-en-cas-dinsolvabilite-dun-locataire\/","title":{"rendered":"Relever les d\u00e9fis des baux commerciaux : Options strat\u00e9giques pour les propri\u00e9taires en cas d'insolvabilit\u00e9 du locataire\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Dans le climat \u00e9conomique actuel, la stabilit\u00e9 d'un&nbsp;<strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-affaires\/contentieux-commercial\/litiges-en-matiere-de-propriete-commerciale\/\">propri\u00e9t\u00e9 commerciale<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/violation-dun-bail-commercial-les-proprietaires-doivent-se-mefier-de-la-renonciation-au-droit-de-confiscation\/\">lease<\/a><\/strong>&nbsp;can change overnight. As a <a href=\"https:\/\/rfblegal.co.uk\/fr\/etiquette\/senior-partner\/\">Senior<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/etiquette\/litigation-team-br\/\">Litiges<\/a> Partner at&nbsp;<a href=\"https:\/\/rfblegal.co.uk\/fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ronald Fletcher Baker LLP<\/a>, Je vois souvent des propri\u00e9taires pris au d\u00e9pourvu lorsqu'un loyer fiable est soudainement menac\u00e9 par la d\u00e9tresse financi\u00e8re d'un locataire.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas d'insolvabilit\u00e9 d'un locataire, le cadre juridique r\u00e9gissant vos droits de propri\u00e9t\u00e9 intellectuelle s'applique.&nbsp;<strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-affaires\/contentieux-immobilier-affaires\/prolongation-des-baux-commerciaux\/\">bail commercial<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/ai-je-besoin-dune-convention-dactionnaires\/\">agreement<\/a><\/strong>&nbsp;shifts from&nbsp;being governed by the lease to including&nbsp;insolvency law. <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/comprendre-les-prets-relais-un-filet-de-securite-pour-les-emprunteurs-dans-le-besoin\/\">Understanding<\/a> your options\u2014and acting on them before a formal moratorium is triggered\u2014&nbsp;can make&nbsp;a big difference.&nbsp;This article provides an overview of some of the&nbsp;strategic&nbsp;options&nbsp;available to landlords navigating&nbsp;<strong>commercial tenant <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/lere-du-paiement-au-fur-et-a-mesure-naviguer-dans-les-arrieres-de-loyers-commerciaux-en-cas-dinsolvabilite-du-locataire\/\">insolvabilit\u00e9<\/a><\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Identifier la proc\u00e9dure d'insolvabilit\u00e9 affectant le bail commercial<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before taking any <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/litiges-relatifs-aux-prets-relais-comment-gerer-les-defauts-de-paiement-execution-et-clauses-abusives\/\">enforcement<\/a> action,&nbsp;as the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/guide-pour-les-bailleurs-commerciaux-lacceptation-dun-loyer-par-un-agent-equivaut-elle-a-une-renonciation-au-droit-de-confiscation\/\">landlord<\/a> of a commercial lease, it is important to&nbsp;identify&nbsp;exactly which procedure the tenant has entered. Each&nbsp;procedure&nbsp;has a different impact on your rights under the&nbsp;<strong>commercial <a href=\"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/\">propri\u00e9t\u00e9<\/a> lease<\/strong>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Administration :<\/strong>\u00a0This\u00a0procedure can be particularly\u00a0<a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/qa-clauses-restrictives\/\">restrictive<\/a> for landlords. An automatic &#8220;statutory moratorium&#8221; prevents you from taking legal action or peaceably re-entering the premises without the administrator\u2019s consent or a court order.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-affaires\/contentieux-commercial\/insolvabilite\/\">Liquidation<\/a> (CVL or Compulsory):<\/strong>\u00a0Bien qu'il n'y ait pas de moratoire automatique dans le cadre d'une liquidation volontaire des cr\u00e9anciers, le liquidateur a le pouvoir de \u2019d\u00e9savouer\u201c le moratoire.\u00a0<strong>bail commercial<\/strong>, La responsabilit\u00e9 du locataire n'est donc plus engag\u00e9e.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Arrangements volontaires d'entreprise (CVA) :<\/strong>\u00a0Souvent utilis\u00e9 par les locataires du commerce de d\u00e9tail et de l'h\u00f4tellerie pour restructurer leurs dettes, un CVA peut l\u00e9galement \u201c\u00e9craser\u201d votre loyer ou modifier les conditions du contrat de location.\u00a0<strong>bail commercial<\/strong>\u00a0against your <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/un-testament-peut-il-annuler-mes-accords-anterieurs\/\">va<\/a> if\u00a0the majority of\u00a0creditors agree.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Redressement financier imm\u00e9diat : Tirer parti de la s\u00e9curit\u00e9<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si l'entreprise locataire n'a pas de liquidit\u00e9s, les propri\u00e9taires de locaux commerciaux peuvent se tourner vers les \u201cenveloppes\u201d qui entourent l'entreprise.&nbsp;<strong>bail commercial<\/strong>. Il s'agit souvent de la voie la plus rapide vers la liquidit\u00e9 pour le propri\u00e9taire d'un bail commercial lorsque le locataire est entr\u00e9 dans une forme d'insolvabilit\u00e9 :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9p\u00f4t de garantie de loyer Actes :<\/strong>\u00a0Les plus modernes\u00a0<strong>baux commerciaux<\/strong>\u00a0are supported by a rent deposit\u00a0and depending on the circumstances it may be possible to draw down on the\u00a0deposit\u00a0but care must be\u00a0taken\u00a0and we would recommend that you seek legal advice before drawing down on the deposit.\u00a0We review these deeds to ensure you can draw down funds to cover <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/arrieres-de-loyer-commercial-guide-pratique-a-lintention-des-locataires-commerciaux\/\">arrears<\/a>\u00a0immediately.\u00a0Commercial landlords must also be careful to follow the specific notice <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/visas-uk-2024-le-salaire-minimum-et-les-exigences-en-matiere-de-revenus\/\">requirements<\/a> to avoid a technical <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/que-faire-si-votre-locataire-commercial-ne-respecte-pas-le-bail\/\">breach<\/a>.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Garants :<\/strong>\u00a0Is there a parent company or an <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/energy-and-utility-disputes-are-you-an-individual-or-business-being-overcharged-by-your-energy-or-utility-provider\/\">individual<\/a> director guaranteeing the\u00a0<strong>bail commercial<\/strong>? Dans l'affirmative, ils sont g\u00e9n\u00e9ralement \u201cconjointement et solidairement\u201d responsables du loyer.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Authorised Guarantee <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/conventions-dachat-dactions-qa\/\">Agreements<\/a> (AGAs):<\/strong>\u00a0Si le bail a \u00e9t\u00e9 c\u00e9d\u00e9 au locataire actuel, l'ancien locataire peut encore \u00eatre responsable. En vertu de\u00a0<strong>Article 17 de la loi de 1995 sur les conventions entre propri\u00e9taires et locataires (Landlord and Tenant (Covenants) Act)<\/strong>,\u00a0you\u00a0must serve a formal notice on former tenants\/guarantors within six months of the debt arising, or your <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-droit-de-preemption-informations-essentielles-pour-les-proprietaires-et-les-locataires\/\">right<\/a> to claim against them is permanently lost.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. D\u00e9clarer le loyer comme \u2018frais de gestion\u2019.\u2019<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A common misconception is that a tenant in administration&nbsp;doesn&#8217;t&nbsp;have to pay rent. If the administrator is using the property to trade the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/contrats-dentreprise-qa\/\">business<\/a> or store stock for an upcoming sale, the rent for that period&nbsp;could be&nbsp;classified as an&nbsp;<strong>frais d'administration<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Ronald Fletcher Baker, we&nbsp;have successfully acted on behalf of landlords&nbsp;to ensure this rent is <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/guide-pour-les-proprietaires-de-logements-que-faire-si-le-locataire-ne-paie-pas-son-loyer-au-royaume-uni\/\">paid<\/a> in priority to other creditors. If the administrator is using your&nbsp;commercial&nbsp;property to add value to the insolvent estate, then&nbsp;we have successfully claimed&nbsp;the&nbsp;<strong>bail commercial<\/strong>&nbsp;Les co\u00fbts de l'administration ne sont pas pris en charge par l'administrateur au motif qu'ils doivent \u00eatre assum\u00e9s en tant que co\u00fbts de l'administration.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Avis de paiement direct au sous-locataire<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If your insolvent tenant has sub-let part or&nbsp;all of&nbsp;the premises,&nbsp;there is a potentially&nbsp;powerful <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/conseils-sur-les-nuisances-legales-pour-les-proprietaires-et-les-agents-de-gestion\/\">statutory<\/a> &#8220;bypass&#8221; option. Under the&nbsp;<strong>Loi de 2007 sur les tribunaux, les cours et l'ex\u00e9cution des d\u00e9cisions (Tribunals, Courts and Enforcement Act)<\/strong>, Dans ce cas, le propri\u00e9taire peut signifier au sous-locataire qu'il doit payer son loyer directement au propri\u00e9taire principal. Cela permet de d\u00e9tourner les liquidit\u00e9s du locataire insolvable et de les mettre directement dans votre poche, sans passer par le praticien de l'insolvabilit\u00e9.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. N\u00e9gocier une capitulation strat\u00e9gique<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes, the best&nbsp;option&nbsp;isn&#8217;t&nbsp;litigation\u2014it\u2019s&nbsp;a <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-personnes\/divorce-famille\/reclamations-financieres-et-ordonnances-sur-consentement\/\">clean break<\/a>. If an administrator or liquidator has no use for the premises, we can often negotiate a&nbsp;<strong>la r\u00e9siliation du bail commercial<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En acceptant un abandon, vous reprenez imm\u00e9diatement le contr\u00f4le du bien. Bien que cela mette fin \u00e0 la responsabilit\u00e9 future du locataire, cela vous permet de commercialiser \u00e0 nouveau le bien \u00e0 un locataire solvable et d'\u00e9viter la p\u00e9riode de \u201climbo\u201d pendant laquelle un bien reste vide mais est l\u00e9galement bloqu\u00e9 par une soci\u00e9t\u00e9 insolvable.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Gestion proactive : La cl\u00e9 de la r\u00e9silience<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D'apr\u00e8s mon exp\u00e9rience \u00e0&nbsp;<a href=\"https:\/\/rfblegal.co.uk\/fr\/les-personnes\/david-burns\/\" target=\"_blank\" rel=\"noreferrer noopener\">Appel d'offres juridique<\/a>, Les propri\u00e9taires qui s'en sortent le mieux sont ceux qui surveillent leurs&nbsp;<strong>baux commerciaux<\/strong>&nbsp;des \u201csignes avant-coureurs\u201d, tels que des demandes de paiement mensuel du loyer ou des arri\u00e9r\u00e9s persistants de frais de service.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agir&nbsp;<em>avant<\/em>&nbsp;un locataire demande l'ouverture d'une proc\u00e9dure d'insolvabilit\u00e9, vous disposez d'un \u00e9ventail d'options beaucoup plus large, notamment&nbsp;<strong>CRAR (Commercial <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/que-faire-si-votre-locataire-commercial-ne-paie-pas-son-loyer\/\">Rent Arrears<\/a> Recovery)<\/strong>&nbsp;ou la rentr\u00e9e pacifique, qui peut \u00eatre bloqu\u00e9e d\u00e8s le d\u00e9but d'un moratoire.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Propri\u00e9taires <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/la-procedure-de-prise-de-possession-la-defaillance-dun-pret-hypothecaire-lexecution-par-le-preteur-et-les-droits-de-lemprunteur\/\">facing<\/a> tenant insolvency must evaluate their&nbsp;<strong>bail commercial<\/strong>&nbsp;la s\u00e9curit\u00e9, y compris&nbsp;<strong>d\u00e9p\u00f4ts de garantie<\/strong>&nbsp;et&nbsp;<strong>AGA<\/strong>, Tout en d\u00e9terminant si la proc\u00e9dure d'insolvabilit\u00e9 sp\u00e9cifique (telle que la proc\u00e9dure d'injonction de payer) doit \u00eatre appliqu\u00e9e.&nbsp;<strong>Administration<\/strong>) impose un moratoire sur l'ex\u00e9cution. Les principales options consistent \u00e0 r\u00e9clamer le loyer en tant que&nbsp;<strong>frais d'administration<\/strong>&nbsp;if the tenant&nbsp;remains&nbsp;in occupation or <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/servir-la-justice-en-utilisant-la-loi-sur-les-societes-pour-la-notification-effective-de-lenregistrement-dun-jugement-de-lile-de-man\/\">en service<\/a> direct payment <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/avis-au-titre-de-larticle-146-guide-pour-les-bailleurs-commerciaux\/\">notices<\/a> to&nbsp;<strong>sous-locataires<\/strong>. N\u00e9gociation strat\u00e9gique pour un&nbsp;<strong>rachat de bail<\/strong>&nbsp;peut \u00e9galement \u00eatre un moyen efficace de reprendre le contr\u00f4le du bien et d'att\u00e9nuer les pertes \u00e0 long terme.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">David Burns, Senior Litigation Partner at Ronald Fletcher Baker LLP, has extensive experience <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/quelles-sont-les-obligations-legales-des-proprietaires-en-matiere-de-traitement-de-lhumidite-et-des-moisissures\/\">handling<\/a> issues related to commercial tenants who have breached the terms of their lease. For inquiries on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/fr\/nous-contacter\/\">contact<\/a> David Burns <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/orientations-concernant-les-demandes-de-licence-de-parrainage-au-royaume-uni-dans-le-cadre-du-visa-de-travailleur-qualifie\/\">via<\/a> email at D.Burns@rfblegal.co.uk or by phone at 07762318409.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"author":12,"featured_media":8895,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[20],"tags":[81],"class_list":["post-8886","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"In the current economic climate, the stability of a commercial property lease can change overnight. 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As a Senior Litigation Partner at Ronald Fletcher Baker LLP, I frequently see landlords caught off guard when a reliable rent roll is suddenly threatened by a tenant\u2019s financial distress. 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