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Content preview: **OE 2025: o que** **muda para as PME portuguesas?** **Redução
do IRC para as PME, alívio na fatura com tributações autónomas e incentivos
à capitalização. A Proposta de Orçamento do Estado [...]
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**OE 2025: o que**
**muda para as PME portuguesas?**
**Redu=C3=A7=C3=A3o do IRC para as PME, al=C3=ADvio na fatura com tributa=
=C3=A7=C3=B5es aut=C3=B3nomas e incentivos =C3=A0 capitaliza=C3=A7=C3=A3o. =
A Proposta de Or=C3=A7amento do Estado para 2025 foca-se nos jovens, nas fa=
m=C3=ADlias e pensionistas, mas apresenta tamb=C3=A9m algumas medidas dirig=
idas especificamente =C3=A0 atividade e aos problemas das empresas.**
=C2=A0
A apresenta=C3=A7=C3=A3o da Proposta do Or=C3=A7amento do Estado =C3=A9 sem=
pre um momento de expetativa para os empres=C3=A1rios, que aguardam as medi=
das de pol=C3=ADtica fiscal que ser=C3=A3o adotadas pelo Governo e que tant=
o impacto t=C3=AAm na vida das suas empresas, colaboradores e parceiros.
=C2=A0
Entre incentivos fiscais, capitaliza=C3=A7=C3=A3o e apoios ao investimento,=
a Proposta de Or=C3=A7amento do Estado para 2025 n=C3=A3o apresenta altera=
=C3=A7=C3=B5es substanciais e com impacto direto para as empresas portugues=
as, no entanto, h=C3=A1 mudan=C3=A7as positivas a ter em considera=C3=A7=C3=
=A3o.=C2=A0=C2=A0
**Principais medidas que podem afetar as PME:**
=C2=A0
- **Descida do IRC para PME:** Redu=C3=A7=C3=A3o da taxa geral de IRC de 21=
% para 20%. Para as PME e Small Mid Cap, a taxa reduz de 17% para 16%, com =
um aumento do limite da mat=C3=A9ria colet=C3=A1vel de 25 mil para 50 mil e=
uros;=20
=C2=A0
- **Incentivo =C3=A0 valoriza=C3=A7=C3=A3o salarial:** Aumentos salariais s=
=C3=A3o majorados a 200% em IRC, com um limite de 4.350 euros;=20
=C2=A0
- **Majora=C3=A7=C3=A3o de despesas com seguros de sa=C3=BAde:** Despesas c=
om seguros de sa=C3=BAde para trabalhadores e familiares majoradas em 20% p=
ara efeitos de IRC;=20
=C2=A0
- **Isen=C3=A7=C3=A3o de IRS no "15.=C2=BA m=C3=AAs":** Isen=C3=A7=C3=A3o d=
e IRS para pr=C3=A9mios de produtividade e outros, at=C3=A9 6% da retribui=
=C3=A7=C3=A3o base anual do trabalhador, se os sal=C3=A1rios tiverem aument=
ado, no m=C3=ADnimo, 4,7%;=20
=C2=A0
- **Redu=C3=A7=C3=A3o das taxas de tributa=C3=A7=C3=A3o aut=C3=B3noma:** Re=
du=C3=A7=C3=A3o de meio ponto percentual nas taxas de tributa=C3=A7=C3=A3o =
aut=C3=B3noma sobre viaturas.=C2=A0
Novos limites:
- 8% para viaturas at=C3=A9 37.500=E2=82=AC;=20
- 25% entre 37.500=E2=82=AC e 45.000=E2=82=AC;=20
- 32% para viaturas acima de 45.000=E2=82=AC;=20
=C2=A0
- **Incentivo =C3=A0 capitaliza=C3=A7=C3=A3o das empresas:** As empresas qu=
e optem por refor=C3=A7ar os capitais pr=C3=B3prios poder=C3=A3o deduzir ao=
lucro tribut=C3=A1vel um valor correspondente =C3=A0 taxa Euribor a 12 mes=
es acrescida de 2 pontos.
=C2=A0=20
- **Sal=C3=A1rio m=C3=ADnimo nacional volta a aumentar:**=C2=A0Foi proposto=
e aprovado em concerta=C3=A7=C3=A3o social o aumento do sal=C3=A1rio m=C3=
=ADnimo nacional (SMN) para 870=E2=82=AC em 2025, com o objetivo de atingir=
a meta dos 1020=E2=82=AC em 2028. Isto representa um aumento de 6.10% face=
ao valor atual (acima da infla=C3=A7=C3=A3o).=C2=A0=20
=C2=A0
**Perspetivas econ=C3=B3micas: Acelera=C3=A7=C3=A3o de crescimento suportad=
o pelo aumento da p****rocura interna e do consumo privado.**
A economia portuguesa dever=C3=A1 acelerar no pr=C3=B3ximo ano. Depois de u=
m crescimento esperado do PIB de=C2=A01,8% este ano, Portugal ir=C3=A1 cres=
cer=C2=A02,1% em 2025. A concretizarem-se estas previs=C3=B5es, a economia =
portuguesa continuar=C3=A1 a crescer acima da m=C3=A9dia da zona euro, onde=
se prev=C3=AA um crescimento de apenas=C2=A01,3%, de acordo com as =C3=BAl=
timas previs=C3=B5es do Banco Central Europeu (BCE).
=C2=A0
No que diz respeito =C3=A0 infla=C3=A7=C3=A3o, o Governo prev=C3=AA que no =
final de 2024 a subida m=C3=A9dia dos pre=C3=A7os atinja 2,6% e que em 2025=
desacelere para=C2=A02,3%. O Governo conta ainda com uma manuten=C3=A7=C3=
=A3o da taxa de desemprego nos=C2=A06,5% e espera ter um=C2=A0excedente or=
=C3=A7amental de=C2=A00,2%.
=C2=A0
Conclu=C3=ADsse assim, que apesar de haver poucas iniciativas dirigidas esp=
ecificamente aos problemas das PME, a verdade =C3=A9 que tamb=C3=A9m n=C3=
=A3o se identificam iniciativas de maior risco que possam gerar problemas =
=C3=A0 atividade empresarial em 2025.
=C2=A0
Equipa Raize
---
###**Financiamento PME**
Se procura meios financeiros para investir na sua empresa, n=C3=A3o hesite =
em contactar-nos.=C2=A0Comece hoje mesmo um processo de consulta e estudo *=
*gratuito e sem compromisso**. Aceda a [**www.raize.pt**](https://www.raize=
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ontacto connosco atrav=C3=A9s do email [risco@raize.pt](mailto:risco@raize.=
pt) para mais informa=C3=A7=C3=B5es=C2=A0sobre as linhas de financiamento d=
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Financiamento sujeito a an=C3=A1lise. A Raize =C3=A9 um dos financiadores d=
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lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
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th: 100%;"><tr><td class=3D"r4-i" style=3D"background-color: #ffffff; paddi=
ng-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 20px=
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role=3D"presentation"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" =
style=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" =
border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"t=
able-layout: fixed; width: 100%;"><tr><td valign=3D"top" class=3D"r7-i" sty=
le=3D"padding-left: 5px; padding-right: 5px;"> <table width=3D"100%" cellsp=
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ass=3D"r8-c" align=3D"center"> <table cellspacing=3D"0" cellpadding=3D"0" b=
order=3D"0" role=3D"presentation" width=3D"200" class=3D"r9-o" style=3D"tab=
le-layout: fixed; width: 200px;"><tr><td class=3D"r10-i"> <a href=3D"http:/=
/r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ6uvg8ehKsvjL13w2wQvRkIc/kxCuFtwVw=
L5n" target=3D"_blank" style=3D"color: #fc0; font-style: normal; font-weigh=
t: bold; text-decoration: underline;" sib_link_id=3D"0" templating=3D"n"> <=
img src=3D"https://img.marketing.raize.pt/im/sh/E0_Cydz_mHeK.png?u=3D92pJLo=
34vnrQtTPlejoa8FdxQ35mWQx5Q26" width=3D"200" alt=3D"Raize" border=3D"0" sty=
le=3D"display: block; width: 100%;" sib_img_id=3D"0"></a> </td> </tr></tabl=
e></td> </tr></table></td> </tr></table></th> </tr></table></td> </tr><tr c=
lass=3D"nl2go-responsive-hide"><td height=3D"20" style=3D"font-size: 20px; =
line-height: 20px;">=C2=AD</td> </tr></table><table cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"cen=
ter" class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td cl=
ass=3D"r12-i" style=3D"background-color: #ffffff; padding-left: 20px; paddi=
ng-right: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"=
border=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"top" c=
lass=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r6=
-o" style=3D"table-layout: fixed; width: 100%;"><tr><td valign=3D"top" clas=
s=3D"r7-i" style=3D"padding-left: 5px; padding-right: 5px;"> <table width=
=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion"><tr><td class=3D"r13-c nl2go-default-textstyle" align=3D"left" style=
=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16p=
x; line-height: 1.2; word-break: break-word; padding-bottom: 10px; padding-=
top: 10px; text-align: left; valign: top;"> <div><p style=3D"margin: 0; col=
or: #3c4858; font-family: Arial,Helvetica,sans-serif; font-size: 24px;"><sp=
an style=3D"color: black; font-family: Arial,sans-serif; font-size: 36.0pt;=
"><strong>OE 2025: o que</strong></span><br><span style=3D"color: black; fo=
nt-family: Arial,sans-serif; font-size: 36.0pt;"><strong>muda para as PME p=
ortuguesas?</strong></span></p></div> </td> </tr></table></td> </tr></table=
></th> </tr></table></td> </tr></table><table cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"center" c=
lass=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=3D=
"r14-i" style=3D"background-color: #ffffff; padding-left: 20px; padding-rig=
ht: 20px; padding-top: 5px;"> <table width=3D"100%" cellspacing=3D"0" cellp=
adding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" vali=
gn=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacin=
g=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%"=
class=3D"r6-o" style=3D"table-layout: fixed; width: 100%;"><tr><td valign=
=3D"top" class=3D"r7-i" style=3D"padding-left: 5px; padding-right: 5px;"> <=
table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation"><tr><td class=3D"r13-c nl2go-default-textstyle" align=3D"=
left" style=3D"color: #3b3f44; font-family: arial,helvetica,sans-serif; fon=
t-size: 16px; word-break: break-word; line-height: 24px; padding-bottom: 10=
px; padding-top: 10px; text-align: left; valign: top;"> <div><p style=3D"ma=
rgin: 0; color: #3c4858; font-family: 'Arial',Helvetica,sans-serif; font-si=
ze: 24px;"><span style=3D"color: #FFCC00; font-family: Arial,sans-serif; fo=
nt-size: 13.5pt;"><strong>Redu=C3=A7=C3=A3o do IRC para as PME, al=C3=ADvio=
na fatura com tributa=C3=A7=C3=B5es aut=C3=B3nomas e incentivos =C3=A0 cap=
italiza=C3=A7=C3=A3o. A Proposta de Or=C3=A7amento do Estado para 2025 foca=
-se nos jovens, nas fam=C3=ADlias e pensionistas, mas apresenta tamb=C3=A9m=
algumas medidas dirigidas especificamente =C3=A0 atividade e aos problemas=
das empresas.</strong></span></p></div> </td> </tr></table></td> </tr></ta=
ble></th> </tr></table></td> </tr></table><table cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"center=
" class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=
=3D"r15-i" style=3D"background-color: #ffffff; padding-bottom: 20px; paddin=
g-left: 20px; padding-right: 20px;"> <table width=3D"100%" cellspacing=3D"0=
" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100=
%" valign=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=
=3D"100%" align=3D"left" class=3D"r16-o" style=3D"table-layout: fixed; widt=
h: 100%;"><tr><td align=3D"left" valign=3D"top" class=3D"r17-i nl2go-defaul=
t-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,sans-ser=
if; font-size: 16px; word-break: break-word; line-height: 20px; text-align:=
left;"> <div><p style=3D"margin: 0; background-color: white; line-height: =
normal; margin-bottom: 0cm;">=C2=A0</p><p style=3D"margin: 0; background-co=
lor: white; line-height: normal; margin-bottom: 0cm;"><span style=3D"color:=
#000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;">A ap=
resenta=C3=A7=C3=A3o da Proposta do Or=C3=A7amento do Estado =C3=A9 sempre =
um momento de expetativa para os empres=C3=A1rios, que aguardam as medidas =
de pol=C3=ADtica fiscal que ser=C3=A3o adotadas pelo Governo e que tanto im=
pacto t=C3=AAm na vida das suas empresas, colaboradores e parceiros.</span>=
</p><p style=3D"margin: 0; background-color: white; line-height: normal; ma=
rgin-bottom: 0cm;">=C2=A0</p><p style=3D"margin: 0; background-color: white=
; line-height: normal; margin-bottom: 0cm;"><span style=3D"color: #000000; =
font-family: Arial, helvetica, sans-serif; font-size: 14px;">Entre incentiv=
os fiscais, capitaliza=C3=A7=C3=A3o e apoios ao investimento, a Proposta de=
Or=C3=A7amento do Estado para 2025 n=C3=A3o apresenta altera=C3=A7=C3=B5es=
substanciais e com impacto direto para as empresas portuguesas, no entanto=
, h=C3=A1 mudan=C3=A7as positivas a ter em considera=C3=A7=C3=A3o.=C2=A0=C2=
=A0</span></p><p style=3D"margin: 0; line-height: 15.0pt;"><br><span style=
=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font-size: 1=
4px;"><strong>Principais medidas que podem afetar as PME:</strong></span></=
p><p style=3D"margin: 0; line-height: 15.0pt;">=C2=A0</p><ul style=3D"margi=
n: 0;"><li style=3D"margin: 0;"><span style=3D"color: #000000; font-family:=
Arial, helvetica, sans-serif; font-size: 14px;"><strong>Descida do IRC par=
a PME:</strong> Redu=C3=A7=C3=A3o da taxa geral de IRC de 21% para 20%. Par=
a as PME e Small Mid Cap, a taxa reduz de 17% para 16%, com um aumento do l=
imite da mat=C3=A9ria colet=C3=A1vel de 25 mil para 50 mil euros;</span></l=
i></ul><p style=3D"margin: 0;">=C2=A0</p><ul style=3D"margin: 0;"><li style=
=3D"margin: 0;"><span style=3D"color: #000000; font-family: Arial, helvetic=
a, sans-serif; font-size: 14px;"><strong>Incentivo =C3=A0 valoriza=C3=A7=C3=
=A3o salarial:</strong> Aumentos salariais s=C3=A3o majorados a 200% em IRC=
, com um limite de 4.350 euros;</span></li></ul><p style=3D"margin: 0;">=C2=
=A0</p><ul style=3D"margin: 0;"><li style=3D"margin: 0;"><span style=3D"col=
or: #000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;"><=
strong>Majora=C3=A7=C3=A3o de despesas com seguros de sa=C3=BAde:</strong> =
Despesas com seguros de sa=C3=BAde para trabalhadores e familiares majorada=
s em 20% para efeitos de IRC;</span></li></ul><p style=3D"margin: 0;">=C2=
=A0</p><ul style=3D"margin: 0;"><li style=3D"margin: 0;"><span style=3D"col=
or: #000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;"><=
strong>Isen=C3=A7=C3=A3o de IRS no "15.=C2=BA m=C3=AAs":</strong> Isen=C3=
=A7=C3=A3o de IRS para pr=C3=A9mios de produtividade e outros, at=C3=A9 6% =
da retribui=C3=A7=C3=A3o base anual do trabalhador, se os sal=C3=A1rios tiv=
erem aumentado, no m=C3=ADnimo, 4,7%;</span></li></ul><p style=3D"margin: 0=
;">=C2=A0</p><ul style=3D"margin: 0; margin-top: 0cm;"><li style=3D"margin:=
0;"><span style=3D"color: #000000; font-family: Arial, helvetica, sans-ser=
if; font-size: 14px;"><strong>Redu=C3=A7=C3=A3o das taxas de tributa=C3=A7=
=C3=A3o aut=C3=B3noma:</strong> Redu=C3=A7=C3=A3o de meio ponto percentual =
nas taxas de tributa=C3=A7=C3=A3o aut=C3=B3noma sobre viaturas.=C2=A0</span=
><br><span style=3D"color: #000000; font-family: Arial, helvetica, sans-ser=
if; font-size: 14px;">Novos limites:</span><ul style=3D"margin: 0; margin-t=
op: 0cm;"><li style=3D"margin: 0;"><span style=3D"color: #000000; font-fami=
ly: Arial, helvetica, sans-serif; font-size: 14px;">8% para viaturas at=C3=
=A9 37.500=E2=82=AC;</span></li><li style=3D"margin: 0;"><span style=3D"col=
or: #000000; font-family: Arial, helvetica, sans-serif; font-size: 14px;">2=
5% entre 37.500=E2=82=AC e 45.000=E2=82=AC;</span></li><li style=3D"margin:=
0;"><span style=3D"color: #000000; font-family: Arial, helvetica, sans-ser=
if; font-size: 14px;">32% para viaturas acima de 45.000=E2=82=AC;</span></l=
i></ul></li></ul><p style=3D"margin: 0; margin-left: 80px; margin-top: 0cm;=
">=C2=A0</p><ul style=3D"margin: 0;"><li style=3D"margin: 0;"><span style=
=3D"color: #000000; font-family: Arial, helvetica, sans-serif; font-size: 1=
4px;"><strong>Incentivo =C3=A0 capitaliza=C3=A7=C3=A3o das empresas:</stron=
g> As empresas que optem por refor=C3=A7ar os capitais pr=C3=B3prios poder=
=C3=A3o deduzir ao lucro tribut=C3=A1vel um valor correspondente =C3=A0 tax=
a Euribor a 12 meses acrescida de 2 pontos.</span><br>=C2=A0</li><li style=
=3D"margin: 0;"><span style=3D"color: #000000; font-family: Arial, helvetic=
a, sans-serif; font-size: 14px;"><strong>Sal=C3=A1rio m=C3=ADnimo nacional =
volta a aumentar:</strong>=C2=A0Foi proposto e aprovado em concerta=C3=A7=
=C3=A3o social o aumento do sal=C3=A1rio m=C3=ADnimo nacional (SMN) para 87=
0=E2=82=AC em 2025, com o objetivo de atingir a meta dos 1020=E2=82=AC em 2=
028. Isto representa um aumento de 6.10% face ao valor atual (acima da infl=
a=C3=A7=C3=A3o).=C2=A0</span></li></ul><p style=3D"margin: 0;">=C2=A0</p><p=
style=3D"margin: 0;"><span style=3D"color: black; font-family: Arial, helv=
etica, sans-serif; font-size: 14px;"><strong>Perspetivas econ=C3=B3micas: A=
celera=C3=A7=C3=A3o de crescimento suportado pelo aumento da p</strong></sp=
an><span style=3D"color: #000000; font-family: Arial, helvetica, sans-serif=
; font-size: 14px;"><strong>rocura interna e do consumo privado.</strong></=
span></p><p style=3D"margin: 0;"><br><span style=3D"color: black; font-fami=
ly: Arial, helvetica, sans-serif; font-size: 14px;">A economia portuguesa d=
ever=C3=A1 acelerar no pr=C3=B3ximo ano. Depois de um crescimento esperado =
do PIB de=C2=A01,8% este ano, Portugal ir=C3=A1 crescer=C2=A02,1% em 2025. =
A concretizarem-se estas previs=C3=B5es, a economia portuguesa continuar=C3=
=A1 a crescer acima da m=C3=A9dia da zona euro, onde se prev=C3=AA um cresc=
imento de apenas=C2=A01,</span><span style=3D"color: #000000; font-family: =
Arial, helvetica, sans-serif; font-size: 14px;">3</span><span style=3D"colo=
r: black; font-family: Arial, helvetica, sans-serif; font-size: 14px;">%, d=
e acordo com as =C3=BAltimas previs=C3=B5es do Banco Central Europeu (BCE).=
</span></p></div> </td> </tr></table></th> </tr></table></td> </tr></table>=
<table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentatio=
n" width=3D"100%" align=3D"center" class=3D"r11-o" style=3D"table-layout: f=
ixed; width: 100%;"><tr><td class=3D"r15-i" style=3D"background-color: #fff=
fff; padding-bottom: 20px; padding-left: 20px; padding-right: 20px;"> <tabl=
e width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"p=
resentation"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"=
font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0" role=3D"presentation" width=3D"550" align=3D"center" class=3D"r18-o" st=
yle=3D"table-layout: fixed; width: 550px;"><tr><td class=3D"r19-i" style=3D=
"font-size: 0px; line-height: 0px; padding-bottom: 15px; padding-top: 5px;"=
> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ72ikArxgyPP6lD=
jBjK2hRuk/3RR-3eXvUknV" target=3D"_blank" style=3D"color: #fc0; font-style:=
normal; font-weight: bold; text-decoration: underline;" sib_link_id=3D"1" =
templating=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/sh/2WAc0q43=
GW2a.png?u=3D92pJLo34vnrQtbCpgx4wDjJjACsvJK4L7eE" width=3D"550" title=3D"Wo=
rld's Top Fintech Companies: Raize entre as melhores fintech do mundo." bor=
der=3D"0" style=3D"display: block; width: 100%;" sib_img_id=3D"1"></a> </td=
> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" align=3D"left" class=3D"r16-o" style=3D"ta=
ble-layout: fixed; width: 100%;"><tr><td align=3D"left" valign=3D"top" clas=
s=3D"r17-i nl2go-default-textstyle" style=3D"color: #3b3f44; font-family: a=
rial,helvetica,sans-serif; font-size: 16px; word-break: break-word; line-he=
ight: 20px; text-align: left;"> <div><p style=3D"margin: 0; line-height: 15=
.0pt; margin-bottom: 0cm;">=C2=A0</p><p style=3D"margin: 0; line-height: 15=
.0pt; margin-bottom: 0cm;"><span style=3D"color: black; font-family: Arial,=
sans-serif; font-size: 10.5pt;">No que diz respeito =C3=A0 infla=C3=A7=C3=
=A3o, o Governo prev=C3=AA que no final de 2024 a subida m=C3=A9dia dos pre=
=C3=A7os atinja 2,6% e que em 2025 desacelere para=C2=A02,3%. O Governo con=
ta ainda com uma manuten=C3=A7=C3=A3o da taxa de desemprego nos=C2=A06,5% e=
espera ter um=C2=A0</span><span style=3D"color: #000000; font-family: Aria=
l,sans-serif; font-size: 10.5pt;">excedente or=C3=A7amental de=C2=A00,2%.</=
span></p><p style=3D"margin: 0; line-height: 15.0pt; margin-bottom: 0cm;">=
=C2=A0</p><p style=3D"margin: 0; line-height: 15.0pt; margin-bottom: 0cm;">=
<span style=3D"color: #000000; font-size: 14px;">Conclu=C3=ADsse assim, que=
apesar de haver poucas iniciativas dirigidas especificamente aos problemas=
das PME, a verdade =C3=A9 que tamb=C3=A9m n=C3=A3o se identificam iniciati=
vas de maior risco que possam gerar problemas =C3=A0 atividade empresarial =
em 2025.</span></p><p style=3D"margin: 0; line-height: 15.0pt; margin-botto=
m: 0cm;">=C2=A0</p><p style=3D"margin: 0; line-height: 15.0pt; margin-botto=
m: 0cm;"><span style=3D"color: black; font-family: Arial,sans-serif; font-s=
ize: 10.5pt;">Equipa Raize</span></p><p style=3D"margin: 0; line-height: 15=
.0pt; margin-bottom: 0cm;"><span style=3D"color: black; font-family: Arial,=
sans-serif; font-size: 10.5pt;">---</span></p></div> </td> </tr></table></t=
h> </tr></table></td> </tr></table><table cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"center" class=
=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r20=
-i" style=3D"background-color: #fff3ca; padding-top: 20px;"> <table width=
=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-we=
ight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"table-layout: fix=
ed; width: 100%;"><tr><td valign=3D"top" class=3D"r7-i" style=3D"padding-le=
ft: 15px; padding-right: 15px;"> <table width=3D"100%" cellspacing=3D"0" ce=
llpadding=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r21-c" =
align=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation" width=3D"100%" class=3D"r16-o" style=3D"table-layout: fi=
xed; width: 100%;"><tr><td align=3D"center" valign=3D"top" class=3D"r22-i n=
l2go-default-textstyle" style=3D"color: #3b3f44; font-family: arial,helveti=
ca,sans-serif; font-size: 16px; line-height: 1.2; word-break: break-word; t=
ext-align: center;"> <div><h3 class=3D"default-heading3" style=3D"margin: 0=
; color: #1f2d3d; font-family: arial,helvetica,sans-serif; font-size: 24px;=
word-break: break-word;"><span style=3D"color: #ffcc00; font-family: 'Aria=
l black', helvetica, sans-serif; font-size: 48px;"><strong>Financiamento PM=
E</strong></span></h3></div> </td> </tr></table></td> </tr></table></td> </=
tr></table></th> </tr></table></td> </tr></table><table cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D=
"center" class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><t=
d class=3D"r23-i" style=3D"background-color: #fff3ca; padding-bottom: 20px;=
padding-top: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"=
top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0=
" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=
=3D"r6-o" style=3D"table-layout: fixed; width: 100%;"><tr><td valign=3D"top=
" class=3D"r7-i" style=3D"padding-left: 15px; padding-right: 15px;"> <table=
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pr=
esentation"><tr><td class=3D"r21-c" align=3D"left"> <table cellspacing=3D"0=
" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=
=3D"r16-o" style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"cen=
ter" valign=3D"top" class=3D"r24-i nl2go-default-textstyle" style=3D"color:=
#3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; word-br=
eak: break-word; line-height: 20px; text-align: center;"> <div><p style=3D"=
margin: 0; line-height: 15.0pt; margin-bottom: 0cm;"><span style=3D"color: =
black; font-family: Arial,sans-serif; font-size: 10.5pt;">Se procura meios =
financeiros para investir na sua empresa, n=C3=A3o hesite em contactar-nos.=
=C2=A0Comece hoje mesmo um processo de consulta e estudo</span><span style=
=3D"color: #000000; font-size: 14px;"> <strong>gratuito e sem compromisso</=
strong>. Aceda a </span><a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/W=
CPzyXJTZ7AVoD5E33t4sVNWKWD9x9Ws/kirLivhU0axs" title=3D"Raize Financiamento =
PME" target=3D"_blank" style=3D"color: #fc0; font-style: normal; font-weigh=
t: bold; text-decoration: underline;" sib_link_id=3D"2" templating=3D"n"><s=
pan style=3D"background-color: transparent; color: #ffcc00; font-family: Ar=
ial, helvetica, sans-serif; font-size: 14px;"><strong>www.raize.pt</strong>=
</span></a><span style=3D"background-color: transparent; color: rgb(0,0,0);=
font-family: Arial, helvetica, sans-serif; font-size: 14px;"> ou entre em =
contacto connosco atrav=C3=A9s do email </span><a href=3D"mailto:risco@raiz=
e.pt" target=3D"_blank" style=3D"color: #fc0; font-style: normal; font-weig=
ht: bold; text-decoration: underline;"><span style=3D"background-color: tra=
nsparent; color: #ffcc00; font-family: Arial, helvetica, sans-serif; font-s=
ize: 14px;">risco@raize.pt</span></a><span style=3D"background-color: trans=
parent; color: #ffcc00; font-family: Arial, helvetica, sans-serif; font-siz=
e: 14px;"> </span><span style=3D"background-color: transparent; color: rgb(=
0,0,0); font-family: Arial, helvetica, sans-serif; font-size: 14px;">para m=
ais informa=C3=A7=C3=B5es=C2=A0sobre as linhas de financiamento da Raize.</=
span><br><br><span style=3D"color: #000000; font-size: 11px;">Financiamento=
sujeito a an=C3=A1lise. A Raize =C3=A9 um dos financiadores de refer=C3=AA=
ncia das PME em Portugal. A Raizecrowd, Lda =C3=A9 uma entidade autorizada =
e supervisionada pela CMVM. A Raize - Institui=C3=A7=C3=A3o de Pagamentos, =
S.A., Sociedade Aberta, =C3=A9 uma institui=C3=A7=C3=A3o de pagamentos auto=
rizada e supervisionada pelo Banco de Portugal.</span></p></div> </td> </tr=
></table></td> </tr></table></td> </tr></table></th> </tr></table></td> </t=
r></table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"p=
resentation" width=3D"100%" align=3D"center" class=3D"r3-o" style=3D"table-=
layout: fixed; width: 100%;"><tr><td class=3D"r25-i" style=3D"background-co=
lor: #ffffff; padding-left: 20px; padding-right: 20px; padding-top: 20px;">=
<table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" rol=
e=3D"presentation"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" sty=
le=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0" role=3D"presentation" width=3D"495" align=3D"center" class=3D"r11=
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olor: #000000; border-radius: 4px; border-style: solid; border-width: 0px; =
table-layout: fixed; width: 495px;"><tr><td height=3D"21" align=3D"center" =
valign=3D"top" class=3D"r26-i nl2go-default-textstyle" style=3D"word-break:=
break-word; background-color: #ffcc00; border-radius: 4px; color: #ffffff;=
font-family: arial,helvetica,sans-serif; font-size: 16px; font-style: norm=
al; line-height: 1.15; padding-bottom: 17px; padding-left: 5px; padding-rig=
ht: 5px; padding-top: 17px; text-align: center;"> <a href=3D"http://r.marke=
ting.raize.pt/mk/cl/f/sh/WCPzyXJTZ7IIsFIUP9MkeFXJTJ6HCr90/GWqohvqL0sEF" cla=
ss=3D"r27-r default-button" target=3D"_blank" data-btn=3D"1" style=3D"font-=
style: normal; font-weight: normal; line-height: 1.15; text-decoration: non=
e; word-break: break-word; word-wrap: break-word; display: block; -webkit-t=
ext-size-adjust: none; color: #ffffff; font-family: arial,helvetica,sans-se=
rif; font-size: 16px;" sib_link_id=3D"3" templating=3D"n"> <span style=3D"c=
olor: #000000; font-family: Arial,Helvetica,sans-serif; font-size: 18px;"><=
strong>COME=C3=87AR PROCESSO DE ESTUDO</strong><br>(gratuito e sem compromi=
sso)</span></a> </td> </tr></table></th> </tr></table></td> </tr><tr class=
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-height: 20px;">=C2=AD</td> </tr></table><table cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"center"=
class=3D"r11-o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=
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der=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"top" class=
=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class=3D"r6-o" =
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"r28-i" style=3D"padding-left: 15px; padding-right: 15px;"> <table width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentatio=
n"><tr><td class=3D"r29-c" align=3D"center" style=3D"font-size: 0px; line-h=
eight: 0px; valign: top;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/s=
h/WCPzyXJTZ7Q5wHVklEqQPzh6c5zOSYl8/U_h01R0L1qJv" target=3D"_blank" style=3D=
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line;" sib_link_id=3D"4" templating=3D"n"> <img src=3D"https://img.marketin=
g.raize.pt/im/sh/3RZ4eyD0iTEh.png?u=3D92pJLo34vnrQtiztjALIJCzUuMg46DBapGM" =
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d=3D"2"></a> </td> </tr></table></td> </tr></table></th> </tr></table></td>=
</tr></table><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" align=3D"center" class=3D"r30-o" style=3D"=
table-layout: fixed; width: 100%;"><tr><td class=3D"r4-i" style=3D"backgrou=
nd-color: #ffffff; padding-bottom: 20px; padding-top: 20px;"> <table width=
=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presenta=
tion"><tr><th width=3D"50%" valign=3D"top" class=3D"r5-c" style=3D"font-wei=
ght: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" class=3D"r6-o" style=3D"table-layout: fixe=
d; width: 100%;"><tr><td valign=3D"top" class=3D"r31-i" style=3D"padding-le=
ft: 7px; padding-right: 7px;"> <table width=3D"100%" cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" role=3D"presentation"><tr><td class=3D"r2-c" ali=
gn=3D"center"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"281" class=3D"r32-o" style=3D"border-bottom-colo=
r: #ffcc00; border-bottom-width: 1px; border-collapse: separate; border-lef=
t-color: #ffcc00; border-left-width: 1px; border-radius: 8px; border-right-=
color: #ffcc00; border-right-width: 1px; border-style: solid; border-top-co=
lor: #ffcc00; border-top-width: 1px; table-layout: fixed; width: 281px;"><t=
r><td class=3D"r33-i" style=3D"border-radius: 7px; font-size: 0px; line-hei=
ght: 0px;"> <a href=3D"http://r.marketing.raize.pt/mk/cl/f/sh/WCPzyXJTZ7Xt0=
Jj17KK6BjqtkssViGNG/z_s0jJfB7Cl1" target=3D"_blank" style=3D"color: #fc0; f=
ont-style: normal; font-weight: bold; text-decoration: underline;" sib_link=
_id=3D"5" templating=3D"n"> <img src=3D"https://img.marketing.raize.pt/im/s=
h/NeRCYD38OiWN.png?u=3D92pJLo34vnrQtqmxlNbeOgfGeWTCt6IqWsU" width=3D"279" b=
order=3D"0" style=3D"display: block; width: 100%; border-radius: 7px;" sib_=
img_id=3D"3"></a> </td> </tr></table></td> </tr><tr><td class=3D"r21-c" ali=
gn=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=
=3D"presentation" width=3D"100%" class=3D"r34-o" style=3D"table-layout: fix=
ed; width: 100%;"><tr class=3D"nl2go-responsive-hide"><td height=3D"15" sty=
le=3D"font-size: 15px; line-height: 15px;">=C2=AD</td> </tr><tr><td align=
=3D"left" valign=3D"top" class=3D"r35-i nl2go-default-textstyle" style=3D"c=
olor: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; wo=
rd-break: break-word; line-height: 1; text-align: left;"> <div><h4 class=3D=
"default-heading4" style=3D"margin: 0; color: #1f2d3d; font-family: arial,h=
elvetica,sans-serif; font-size: 18px; word-break: break-word;"><span style=
=3D"font-size: 16px;">Raize integra SIBS ESG</span></h4></div> </td> </tr><=
tr class=3D"nl2go-responsive-hide"><td height=3D"15" style=3D"font-size: 15=
px; line-height: 15px;">=C2=AD</td> </tr></table></td> </tr><tr><td class=
=3D"r21-c" align=3D"left"> <table cellspacing=3D"0" cellpadding=3D"0" borde=
r=3D"0" role=3D"presentation" width=3D"100%" class=3D"r36-o" style=3D"table=
-layout: fixed; width: 100%;"><tr><td align=3D"left" valign=3D"top" class=
=3D"r37-i nl2go-default-textstyle" style=3D"color: #3b3f44; font-family: ar=
ial,helvetica,sans-serif; font-size: 16px; line-height: 1.2; word-break: br=
eak-word; text-align: left;"> <div><p style=3D"margin: 0;"><span style=3D"f=
ont-size: 14px;">A nova plataforma SIBS ESG permite =C3=A0s empresas portug=
uesas iniciar a jornada de sustentabilidade com um autodiagn=C3=B3stico ESG=
gratuito.=C2=A0</span></p></div> </td> </tr><tr class=3D"nl2go-responsive-=
hide"><td height=3D"15" style=3D"font-size: 15px; line-height: 15px;">=C2=
=AD</td> </tr></table></td> </tr><tr><td class=3D"r21-c" align=3D"left"> <t=
able cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"=
width=3D"160" class=3D"r38-o" style=3D"table-layout: fixed; width: 160px;"=
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-default-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,s=
ans-serif; font-size: 16px; line-height: 1.2; word-break: break-word;"> <!=
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f; font-size: 16px; height: 18px; mso-hide: all; padding-bottom: 5px; paddi=
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tion"><tr><td class=3D"r2-c" align=3D"center"> <table cellspacing=3D"0" cel=
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order-radius: 8px; border-right-color: #ffcc00; border-right-width: 1px; bo=
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