Work remains possible
Bankruptcy regulates assets and payments but imposes no general employment ban.
All income is disclosed
Platform reports are reconciled with banks, self-employment tax and cash.
The vehicle is reviewed separately
Ownership, finance, rental and fleet work have different consequences.
Four working models
| Model | Evidence | Main risk |
|---|---|---|
| Walking or bicycle courier | Platform terms, reports, account and tax | Payments to another person’s card |
| Own vehicle | Title, registration, security, costs and income | Assuming automatic protection |
| Rented vehicle | Contract, payments, handover and owner | Undocumented informal rental |
| Fleet arrangement | Contract, deductions and actual transfers | Mismatch between reports and bank credits |
Preparation workflow
Map the contracts
Identify the platform, partner or fleet, tax status, vehicle owner and payment account.
Reconcile income
Compare platform reports, bank statements, self-employment receipts and cash for one period.
Separate expenses
Fuel, commission, rent and telecom costs are not automatically excluded; prove amount and business link.
Review assets
Disclose the vehicle, phone, bicycle and equipment without pre-bankruptcy transfers.
Vehicle treatment
- a genuine rental vehicle is not debtor property, but the rental requires evidence;
- an owned vehicle is generally reviewed for the bankruptcy estate;
- a secured vehicle is assessed together with the secured creditor’s rights;
- the professional-equipment rule in Civil Procedure Code Article 446 is value-limited and does not automatically protect an expensive car;
- transport required because of disability follows a separate protection;
- a 2026 rule separately protects the only registrable vehicle of a qualifying large family.
Documents
| Income | Expenses | Transport |
|---|---|---|
| Platform reports, statements, tax receipts | Commission, fuel, rent, telecoms | Title, registration, security, rental, insurance |
| Cash and tip records | Fleet contract and deductions | Owner records and payments |
FAQ
Can the platform suspend the account?
Bankruptcy creates no general ban, but platform terms still apply. Changes in details and status should be documented and disclosed.
May payments go to a relative’s card?
This creates opacity and concealment concerns. A personal account with complete reconciliation is safer.
Is a subsistence amount protected?
Money and income protection follows Civil Procedure Code Article 446 and the bankruptcy process; the amount depends on the applicable minimum and dependants.
May work begin during the procedure?
Yes, but the new contract, account, tax status and income should be promptly disclosed to the financial manager.
Official sources
Related guides: work during bankruptcy, vehicles in bankruptcy and protected subsistence amount.
Need to review platform income and vehicle status?
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