Maître Audrey EUSTACHE

Avocat au barreau de La Martinique

Compétences : Procédure civile, Droit du crédit et de la consommation, Droit du dommage corporel, Droit bancaire et financier, Droit des garanties, des sûretés et des mesures d'exécution, Droit de la famille, des personnes et de leur patrimoine

Barreau : Martinique

Adresse : 43 rue Lamartine 97200 FORT DE FRANCE

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Publié le 24/04/2023

Précisions sur la qualité d'emprunteur averti et le devoir de mise en garde de la Banque

Article juridique - Droit du crédit et de la consommation

Par Me Audrey EUSTACHE

Précisions sur la qualité d'emprunteur averti et le devoir de mise en garde de la Banque

Le gérant d’une holding laquelle a été constituée en vue de financer la reprise d'une société cible au moyen de l'endettement a la qualité d'emprunteur averti et la banque n'était pas tenue d'un devoir de mise en garde à son égard

Chambre commerciale de la Cour de cassation du 4 janvier 2023 Pourvoi n° 15-20.117

https://www.courdecassation.fr/decision/63b52c978f778c05dfc49d35

Les faits concernent une société familiale constituée sous la forme d'une société à responsabilité limitée (SARL), qui avait pour activité la fabrication de chocolats et de confiseries. Les proches ont cédé de céder les parts sociales de l’associé fondateur, décédé aux salariés de l’entreprise dont le responsable commercial. Ceux-ci décideront de constituer une holding.

Le gérant qui avait acquis une expérience de cinq ans en qualité de responsable commercial, au sein de la SARL, dont il avait développé le chiffre d'affaires en faisant appel à des représentants de commerce, ce qui avait permis d'en augmenter le montant de plus du double, en l'espace de quatre ans. De plus, la SARL, dont il connaissait la situation financière, était la cible de l'opération de LBO pour laquelle l'emprunt fut contracté, il avait donc la capacité d'apprécier les risques de cet engagement.