SMB AI-VA deployments displacing admin work in collective-agreement-covered sectors (Dutch CAO, German Tarifvertrag, French Convention Collective) trigger collective-agreement provisions even at sub-10-employee scale in 2026, via job-classification-displacement and technology-introduction-consultation channels. Most SMB owners are unaware until the first union audit; FNV / DGB / IG Metall / CFDT activity in this area has shifted from theoretical to operational since 2024.

Cross-domain: EU sectoral-collective-agreement law intersected with SMB AI-VA deployment. Avv-declared CAOs (NL) and Allgemeinverbindlich-declared Tarifverträge (DE) bind all employers in scope regardless of size or association membership. Pairs with AM-120 at the multinational end of the same labour-relations surface.