Solving the problems of Polish agriculture requires an integrated approach and cooperation between the government, agricultural organisations and farmers themselves. Necessary actions are the introduction of price stabilisation, reduction of production costs, simplification of access to support, investment in adaptation to climate change and promotion of agriculture among young people. These are actions that take time.
What about the farmers who are here and now? at risk of insolvency and they are threatened by the specter of bankruptcy?
For farmers at risk of insolvency, there are many options for action. The key, however, is to react quickly and seek professional support to help get through a difficult financial and legal situation. Taking steps early enough will prevent insolvency, enable. the continued operation of the farm and protect assets.
1. Consultation with a professional restructuring advisor
Professional help is essential in analysis of the financial and legal situation The farm advisor will help you understand the options available to you, such as: restructuring debts, negotiations with creditors or taking advantage of legal protection against creditors.
2. Restructuring debts
One possible solution is to negotiate the terms of existing debts in order to obtain lower instalments, a longer repayment period or a temporary suspension of repayments. In some cases, it is also possible to obtain the cancellation of part of the debt.
4. development of a restructuring plan
Cooperation with an experienced restructuring advisor and the development of a restructuring plan will allow for the commencement of activities aimed at protecting assets and life achievements.
5. sale of unnecessary assets
Selling less profitable plots of land, machinery that is rarely used or other assets will be able to provide additional capital and focus on the more profitable aspects of the farm. Creating financial projections will show in which direction to take action
7. use of the restructuring procedure
If the situation is particularly difficult, farmers should take advantage of restructuring within the framework of legal provisions. In Poland, there are restructuring procedures that enable entrepreneurs, including farmers, restructuring liabilities and avoiding bankruptcy. In particular, it is worth mentioning simplified restructuring, which is a rescue for farmers and takes place outside of court. Using this tool, none of the creditors can start enforcement, which already allows for the commencement of activities and the protection of assets.
8. negotiations with creditors as part of the restructuring procedure
Direct discussions with creditors in restructuring proceedings about the financial situation and repayment options can lead to a mutually beneficial agreement, such as a deferral of the repayment date or a partial write-off of the debt.
Actions to avoid such a difficult situation in the future are:
1. Price stabilisation mechanisms: Introduce price support schemes that could guarantee minimum purchase prices for key agricultural products. Such a system could help safeguard farmers' incomes against global price fluctuations.
2. Reducing production costs: Subsidising the cost of fertilisers and plant protection products or offering tax relief on energy and fuel for farms. It is also possible to support the purchase of modern machinery and technologies that increase efficiency and reduce production costs.
3. simplify access to funds and support: Review and simplify application procedures for financial support from the European Union and other sources to facilitate farmers' access to the necessary funds.
4. investment in climate change adaptation: Funding for projects related to irrigation systems, protection against extreme weather events and the promotion of sustainable farming practices.
5. Promotion of agriculture among young people: Social and educational campaigns targeting young people, showing the modern face of agriculture, can encourage the younger generations to enter the sector. In addition, offering training, courses and scholarships to young farmers can support their development and innovation.
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