{"id":19559,"date":"2024-04-23T09:15:00","date_gmt":"2024-04-23T07:15:00","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?p=19559"},"modified":"2025-05-07T15:33:34","modified_gmt":"2025-05-07T13:33:34","slug":"securiser-sa-tresorerie-enjeu-vital-des-tpe-pme","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/securiser-sa-tresorerie-enjeu-vital-des-tpe-pme\/","title":{"rendered":"S\u00e9curiser sa tr\u00e9sorerie, enjeu vital des TPE-PME en 2024"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/categorie\/gestion-financiere\/\" class=\"entry-header__link\">Gestion Financi\u00e8re<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tS\u00e9curiser sa tr\u00e9sorerie, enjeu vital des TPE-PME en 2024\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col col-8 col-lg-4 entry-header__image\">\n\t\t\t<figure class=\"entry-header__thumbnail js-hero-section\">\n\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1096557464-1215x810.jpg\" class=\"entry-header__thumbnail-image\" alt=\"S\u00e9curiser sa tr\u00e9sorerie, enjeu vital des TPE-PME en 2024\" fetchpriority=\"high\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1096557464-1215x810.jpg 1215w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1096557464-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1096557464.jpg 1440w\" sizes=\"(max-width: 1215px) 100vw, 1215px\" \/>\t\t\t<\/figure>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Publi\u00e9 le <time class=\"entry-date published\" datetime=\"2024-04-23T09:15:00+02:00\">23 avril 2024<\/time><\/span><span class=\"reading-time\"> min de lecture<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"S\u00e9curiser sa tr\u00e9sorerie, enjeu vital des TPE-PME en 2024\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/securiser-sa-tresorerie-enjeu-vital-des-tpe-pme\/\"\n\t\t\tdata-share-text=\"Veuillez lire cet article int\u00e9ressant\"\n\t\t>\n\t\t\t<span class=\"social-share-button__icon social-share-button__icon--share\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"svg-icon\" focusable=\"false\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path d=\"M768 106.5q-62 0-105.5 44t-43.5 105q0 10 2.5 18.5a268 268 0 0 1 4.5 17.5l-256 128q-21-26-50-41.5t-64-15.5q-62 0-105.5 44t-43.5 105q0 62 43.5 106t105.5 44q35 0 64-16t50-41l256 128q-2 9-4.5 17.5t-2.5 17.5q0 62 43.5 106t105.5 44 105.5-44 43.5-106q0-61-43.5-105t-105.5-44q-35 0-64 15.5t-50 41.5l-256-128q2-9 4.5-17.5t2.5-18.5q0-9-2.5-17.5a268 268 0 0 1-4.5-17.5l256-128q21 25 50 41t64 16q62 0 105.5-44t43.5-106q0-61-43.5-105t-105.5-44m0 64q36 0 60.5 25t24.5 60q0 36-24.5 61t-60.5 25-60.5-25-24.5-61q0-35 24.5-60t60.5-25m-512 256q36 0 60.5 25t24.5 60q0 36-24.5 61t-60.5 25-60.5-25-24.5-61q0-35 24.5-60t60.5-25m512 256q36 0 60.5 25t24.5 60q0 36-24.5 61t-60.5 25-60.5-25-24.5-61q0-35 24.5-60t60.5-25\" \/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"social-share-button__icon social-share-button__icon--copy\" hidden>\n\t\t\t\t<svg aria-hidden=\"true\" class=\"svg-icon\" focusable=\"false\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path d=\"M698 85.5q-45 0-88.5 17.5T531 154.5l-430 431q-3 2-4.5 4.5t-3.5 5.5q-1 3-1.5 6t-.5 6q0 4 .5 7t1.5 6 3 5.5a54 54 0 0 0 4 4.5q3 3 5.5 4.5t5.5 2.5q3 2 6 2.5t6 .5 6.5-1 6.5-2 5.5-3a54 54 0 0 0 4.5-4l430-431q51-50 122-50t121 50q51 51 51 122t-51 121l-406 406q-26 27-62.5 27t-63.5-27q-26-26-26-62.5t26-62.5l328-328q3-2 4.5-4.5t3.5-5.5q1-3 1.5-6t.5-6q0-4-.5-7t-1.5-6-3-5.5a54 54 0 0 0-4-4.5q-3-3-5.5-4.5t-5.5-2.5q-3-2-6-2.5t-6-.5-6.5 1-6.5 2-5.5 3a54 54 0 0 0-4.5 4l-328 328q-44 44-44 107.5t44 108.5q45 44 108.5 44t107.5-44l406-407q35-34 52-77 17-44 17-89t-17-89q-17-43-52-78-34-34-77.5-51.5T698 85.5\" \/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"social-share-button__share-label\">Partager<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copier le lien<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copi\u00e9<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/fr-fr\/blog\/author\/tristandebroucker\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/10\/de-broucker-tristan_350x350.jpg\" class=\"entry-author__image\" alt=\"de-broucker-tristan\" \/>\t\t\t\t<span class=\"entry-author__name\">Tristan de Broucker<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En 2024, la tr\u00e9sorerie des entreprises pourrait souffrir d\u2019un contexte \u00e9conomique incertain, notamment en raison de <strong>l\u2019inflation et des difficult\u00e9s de financement<\/strong>. Dans ce contexte, l\u2019adoption d\u2019une solution de gestion d\u00e9mat\u00e9rialis\u00e9e est plus que jamais une r\u00e9ponse pour optimiser la <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/gestion-financiere-digitalisee-la-facture-electronique-donne-le-ton\/\">gestion financi\u00e8re<\/a> de l\u2019entreprise. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Explications chiffr\u00e9es.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#tresorerie\">Une tr\u00e9sorerie mise \u00e0 mal par la conjoncture<\/a><\/li>\n\n\n\n<li><a href=\"#solution\">Solution de gestion : un levier de s\u00e9curisation de la tr\u00e9sorerie<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-66be36ac-bc23-4ab7-afbf-4bb4170c2776\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-66be36ac-bc23-4ab7-afbf-4bb4170c2776\"\n\t>T\u00e9l\u00e9chargez le guide 2024 de la facture \u00e9lectronique pour les PME<\/a>\n<\/div>\n<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tresorerie\"><strong>Une tr\u00e9sorerie mise \u00e0 mal par la conjoncture<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Malgr\u00e9 une reprise ind\u00e9niable de l\u2019activit\u00e9 post-Covid, l\u2019ann\u00e9e 2024 pourrait offrir des perspectives de <strong>croissances moindres<\/strong>. Une dynamique confirm\u00e9e par les r\u00e9cents bilans de l\u2019INSEE et les recettes en baisse de l\u2019\u00c9tat. Une situation qui pourrait \u00e9galement peser sur la tr\u00e9sorerie des TPE et PME.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-une-opinion-defavorable-sur-la-situation-de-leur-tresorerie\"><strong>Une opinion d\u00e9favorable sur la situation de leur tr\u00e9sorerie<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selon le dernier <a href=\"https:\/\/presse.bpifrance.fr\/barometre-bpifrance-le-lab-rexecode-tresorerie-investissement-et-croissance-des-pmetpe-du-1er-trimestre-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">barom\u00e8tre trimestriel de Bpifrance Le Lab et Rexecode<\/a>, les dirigeants de TPE et PME conservent une mauvaise impression de la situation de leur tr\u00e9sorerie pass\u00e9e, actuelle et future. <strong>Le solde de leurs opinions s&rsquo;\u00e9tablit \u00e0 &#8211; 21 points<\/strong> au premier trimestre 2024. Bien que cela soit mieux que pendant l\u2019\u00e9pid\u00e9mie de Covid-19, c&rsquo;est encore tr\u00e8s loin de la moyenne historique (- 11 points entre 2017 et 2023<sup>1<\/sup>).<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><strong>3 dirigeants sur 10 <\/strong>anticipent une d\u00e9gradation de leur tr\u00e9sorerie \u00e0 court terme en 2024.<\/p><cite>Tr\u00e9sorerie, investissement et croissance des PME \/ TPE : f\u00e9vrier 2024 \u2013 Bpifrance Le Lab et Rexecode &#8211; 2024<\/cite><\/blockquote><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-de-potentielles-difficultes-de-financement\"><strong>De potentielles difficult\u00e9s de financement<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En ce d\u00e9but d\u2019ann\u00e9e, <strong>la croissance annuelle des cr\u00e9dits aux entreprises commence \u00e0 se tasser<\/strong> en France. Les demandes d&#8217;emprunts sont directement impact\u00e9es par la remont\u00e9e des taux directeurs, la r\u00e9duction en cours du bilan de la BCE (Banque centrale europ\u00e9enne) et plus globalement par l&rsquo;inflation galopante <sup>2<\/sup>. <\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><strong>4,5 %<\/strong>, c&rsquo;est le taux moyen des cr\u00e9dits aux entreprises en France \u00e0 fin janvier 2024.<\/p><cite>Le financement des entreprises : mars 2024 &#8211; F\u00e9d\u00e9ration bancaire fran\u00e7aise &#8211; 2024<\/cite><\/blockquote><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce contexte, un nombre grandissant de TPE et de PME peinent \u00e0 trouver des financements. Pour preuve, <strong>21 % d\u00e9clarent avoir \u00e9prouv\u00e9 des difficult\u00e9s \u00e0 financer leur exploitation courante<\/strong><sup>1<\/sup>. Elles sont m\u00eame 7 % \u00e0 avoir renonc\u00e9 \u00e0 emprunter en raison des taux d&rsquo;int\u00e9r\u00eats trop \u00e9lev\u00e9s (13 % pour les seules entreprises de l&rsquo;h\u00f4tellerie)<sup>3<\/sup>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-des-delais-de-paiement-toujours-aussi-consequents\"><strong> Des d\u00e9lais de paiement toujours aussi cons\u00e9quents<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La tr\u00e9sorerie des TPE et PME est aussi et toujours mise \u00e0 mal par les d\u00e9lais de paiement. Au 2<sup>e<\/sup> trimestre 2023, <strong>les retards moyens de paiement sont de 13 jours <\/strong>en France<sup>4<\/sup>. L&rsquo;opinion des dirigeants vis-\u00e0-vis des d\u00e9lais de paiement de leurs clients s&rsquo;est d&rsquo;ailleurs de nouveau d\u00e9grad\u00e9e d\u00e9but 2024, preuve des tensions qui r\u00e8gnent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-des-perspectives-incertaines-de-croissance\"><strong>Des perspectives incertaines de croissance<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Toutes ces raisons expliquent pourquoi <strong>la baisse d&rsquo;activit\u00e9 constitue actuellement la principale pr\u00e9occupation des dirigeants<\/strong> de TPE et PME (47 %), suivie par l&rsquo;inflation (28 %)<sup>5<\/sup>. Nombreuses sont d\u2019ailleurs les entreprises \u00e0 se sentir accul\u00e9es entre la diminution de la demande, la hausse de la concurrence et l\u2019augmentation des co\u00fbts de production.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>45 % des dirigeants de TPE-PME estiment que <strong>la d\u00e9gradation des perspectives de demandes constitue le principal frein<\/strong> au d\u00e9veloppement de l&rsquo;activit\u00e9.<\/p><cite>Tr\u00e9sorerie, investissement et croissance des PME \/ TPE : f\u00e9vrier 2024 \u2013 Bpifrance Le Lab et Rexecode &#8211; 2024<\/cite><\/blockquote><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"solution\"><strong>Solution de gestion : un levier de s\u00e9curisation de la tr\u00e9sorerie<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 ce contexte \u00e9conomique incertain, l\u2019adoption d\u2019une solution de gestion s\u2019av\u00e8re plus que jamais indispensable pour s\u00e9curiser la tr\u00e9sorerie des <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/guide-2024-de-la-facture-electronique-pour-les-tpe\/\">TPE<\/a> et PME. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-93d5c468-ff49-4bbe-9148-e45528141774\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-93d5c468-ff49-4bbe-9148-e45528141774\"\n\t>T\u00e9l\u00e9chargez le guide 2024 de la facture \u00e9lectronique pour les TPE<\/a>\n<\/div>\n<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-disposer-d-une-vision-globale-de-la-situation-financiere\"><strong>Disposer d\u2019une vision globale de la situation financi\u00e8re<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les logiciels de gestion offrent tout d\u2019abord l\u2019avantage de <strong>centraliser l\u2019ensemble de vos donn\u00e9es financi\u00e8res et comptables<\/strong> : \u00e9tat de tr\u00e9sorerie, d\u00e9lais de paiement, soldes, stocks, \u00e9volution de la rentabilit\u00e9, etc. Vous disposez ainsi d&rsquo;une meilleure visibilit\u00e9 pour analyser la situation financi\u00e8re de votre TPE ou PME.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-optimiser-la-gestion-de-la-facturation-et-des-paiements\"><strong>Optimiser la gestion de la facturation et des paiements<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce aux<a href=\"https:\/\/www.sage.com\/fr-fr\/sage-business-cloud\/intacct\/\"> logiciels de gestion<\/a>, vous pouvez <strong>automatiser la facturation, le suivi des paiements et <\/strong><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/factures-impayees-ne-laissez-rien-passer\/\"><strong>les recouvrements<\/strong><\/a>. Si le calendrier r\u00e9glementaire relatif au d\u00e9ploiement de la facturation \u00e9lectronique est pos\u00e9, rien n\u2019emp\u00eache son anticipation, pour profiter d\u00e8s que possible de ses avantages. En effet, les fonctionnalit\u00e9s de solution de gestion de la <a href=\"https:\/\/www.sage.com\/fr-fr\/dematerialisation\/facture-electronique\/\">facturation \u00e9lectronique<\/a> permettent d&rsquo;\u00e9conomiser du temps et des ressources humaines, tout en am\u00e9liorant les d\u00e9lais de r\u00e8glement et in fine la situation de votre tr\u00e9sorerie.<strong> <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><strong>9 TPE-PME sur 10 disposent d\u2019un outil de gestion<\/strong>, notamment pour la gestion comptable et la facturation.<\/p><cite>Barom\u00e8tre France Num 2023 : o\u00f9 en sont les TPE PME (0 \u00e0 249 salari\u00e9s) avec le num\u00e9rique ?<\/cite><\/blockquote><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-anticiper-vos-besoins-financiers\"><strong>Anticiper vos besoins financiers<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Suivi des flux financiers, analyse du besoin en fonds de roulement, \u00e9dition de pr\u00e9visionnels, cr\u00e9ation d&rsquo;alertes et d&rsquo;indicateurs&#8230; autant de fonctionnalit\u00e9s de votre logiciel de gestion qui vous permettent de mieux comprendre les besoins financiers de votre entreprise. Vous pouvez ainsi <strong>anticiper et<\/strong> <strong>agir en temps r\u00e9el pour pr\u00e9server votre tr\u00e9sorerie<\/strong>, ainsi que votre activit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-prendre-des-decisions-strategiques-eclairees\"><strong>Prendre des d\u00e9cisions strat\u00e9giques \u00e9clair\u00e9es<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En agr\u00e9geant toutes vos donn\u00e9es, votre solution de gestion vous permet de <strong>cr\u00e9er des indicateurs de performance financi\u00e8re pertinents et personnalis\u00e9s<\/strong>. Vous pouvez aussi g\u00e9n\u00e9rer automatiquement des rapports et des analyses d\u00e9taill\u00e9es, notamment pour construire divers sc\u00e9narios de perspectives financi\u00e8res. L&rsquo;int\u00e9r\u00eat ? Pouvoir prendre des d\u00e9cisions strat\u00e9giques en toute connaissance de cause, bas\u00e9es sur des \u00e9l\u00e9ments chiffr\u00e9s et concrets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces articles peuvent \u00e9galement vous int\u00e9resser :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/analyse-predictive-pour-augmenter-vos-flux-de-tresorerie\/\">L\u2019analyse pr\u00e9dictive et l\u2019IA pour augmenter vos flux de tr\u00e9sorerie<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/comment-accelerer-les-rentrees-de-cash-retour-dexperience\/\">Comment acc\u00e9l\u00e9rer les rentr\u00e9es de cash ? Le retour d\u2019exp\u00e9rience de Globe Express<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/feuille-de-route-de-la-facture-electronique-2024-sage-on-air-podcast\/\">[#Sage On Air] Feuille de route de la facture \u00e9lectronique : l\u2019agenda 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/reussir-sa-preparation-a-la-facture-electronique\/\">R\u00e9ussir sa pr\u00e9paration \u00e0 la facture \u00e9lectronique<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>1<\/sup>Tr\u00e9sorerie, investissement et croissance des PME \/ TPE : f\u00e9vrier 2024 \u2013 Bpifrance Le Lab et Rexecode &#8211; 2024<br><sup>2<\/sup>Le financement des entreprises : mars 2024 &#8211; F\u00e9d\u00e9ration bancaire fran\u00e7aise &#8211; 2024<br><sup>3<\/sup>Le barom\u00e8tre de conjoncture des TPE &#8211; Vague 73 &#8211; Ifop \u2013 2023<br><sup>4<\/sup>Comportements de paiement des entreprises en France et en Europe : 2\u00e8me trimestre 2023 &#8211; Altares \u2013 2023<br><sup>5<\/sup>La situation \u00e9conomique et l&rsquo;acc\u00e8s au financement des TPE &#8211; PME au second semestre 2023 &#8211; CPME &#8211; 2023<br><sup>6<\/sup>Barom\u00e8tre France Num 2023 : o\u00f9 en sont les TPE PME (0 \u00e0 249 salari\u00e9s) avec le num\u00e9rique ?<\/p>\n \n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Guide de la facture \u00e9lectronique pour les PME<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p class=\"\">Garantir sa conformit\u00e9 avec Sage<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-66be36ac-bc23-4ab7-afbf-4bb4170c2776\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>T\u00e9l\u00e9chargez le guide<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-874515358.jpg\" class=\"single-cta__image\" alt=\"Guide 2024 de la facture \u00e9lectronique pour les PME\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-874515358.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Inscrivez-vous \u00e0 la e-newsletter mensuelle<\/h2>\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-a947ade1-e692-455f-94ce-a275d72a9a11\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Je m&#039;abonne<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"779\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg 1024w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Parcourir plus de sujets depuis cet article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/comptabilite\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tComptabilit\u00e9\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/tresorerie\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tTr\u00e9sorerie\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explorez plus d&#039;articles<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-30545 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances category-legal-et-reglementation tag-comptabilite tag-facture-electronique tag-fiscalite-impot business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises industry-btp industry-industrie industry-negoce industry-services card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"713\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-695882618_high-1024x713-1.jpg\" class=\"card-post__image\" alt=\"Arrhes ou acompte : la mention sur votre devis qui peut co\u00fbter 50 euros par facture\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-695882618_high-1024x713-1-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-695882618_high-1024x713-1-768x535.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-695882618_high-1024x713-1.jpg 1024w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommand\u00e9<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-11-10T09:30:00+01:00\">10 novembre 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">18 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/facture-electronique-arrhes-acompte-afnor\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tArrhes ou acompte : la mention sur votre devis qui peut co\u00fbter 50 euros par facture\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tUn client verse 30 % \u00e0 la r\u00e9servation. Par exemple pour s\u00e9curiser le b\u00e9n\u00e9fice futur d\u2019un buffet de mariage ou de la r\u00e9novation de sa salle de bain. \nAu fait, ces 30 % : arrhes ou acompte ? En droit, il y a une vraie diff\u00e9rence et la somme vers\u00e9e n\u2019a pas la m\u00eame fonction. Mais avec la facture \u00e9lectronique, cette question ajoute l\u2019enjeu de conformit\u00e9 \u00e0 la subtilit\u00e9 juridique. \nIl vaut mieux savoir \u00e0 quoi l\u2019on s\u2019expose avant de choisir de mentionner un terme ou l\u2019autre sur son devis\u2026\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">En savoir plus sur ce sujet<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-30540 post type-post status-publish format-standard has-post-thumbnail hentry category-legal-et-reglementation tag-comptabilite tag-facture-electronique tag-pme-pmi business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises industry-btp industry-industrie industry-negoce industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/facture-electronique-fiscalite-pme\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-705002845_super-1024x683-1-684x384.jpg\" class=\"card-post__image\" alt=\"Facture \u00e9lectronique et fiscalit\u00e9 : le guide des PME\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-705002845_super-1024x683-1-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-705002845_super-1024x683-1-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/GettyImages-705002845_super-1024x683-1.jpg 1024w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-11-09T12:30:54+01:00\">9 novembre 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">14 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tComment la facture \u00e9lectronique simplifie la fiscalit\u00e9 de votre PME ?\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-30361 post type-post status-publish format-standard has-post-thumbnail hentry category-interviews-clients tag-comptabilite tag-temoignages-clients tag-tpe-petite-entreprise business_type-artisans-et-petites-entreprises industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/temoignage-l-expresso-bar-tabac-sage\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1315440356-684x384.jpg\" class=\"card-post__image\" alt=\"L\u2019Expresso fait l\u2019administratif le temps de boire un caf\u00e9 avec Sage\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1315440356-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1315440356-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1315440356-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-10-16T09:43:05+02:00\">16 octobre 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tAvec Sage, l\u2019\u00e9tablissement L\u2019Expresso fait son administratif le temps de boire un caf\u00e9\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-30265 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-comptabilite tag-facture-electronique tag-tva business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises business_type-expertise-comptable industry-btp industry-industrie industry-negoce industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/tva-facture-electronique-declaration\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1464824741-684x384.jpg\" class=\"card-post__image\" alt=\"Une jeune femme au bureau travaille sur une tablette\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1464824741-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1464824741-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1464824741-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-21T10:00:00+02:00\">21 septembre 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">9 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tTVA : de la facture \u00e0 la d\u00e9claration, ce que la facture \u00e9lectronique a chang\u00e9\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-30268 post type-post status-publish format-standard has-post-thumbnail hentry category-interviews-clients tag-comptabilite tag-facture-electronique tag-temoignages-clients business_type-petites-et-moyennes-entreprises industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/temoignage-eram-sage-x3\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media card-post__media--video\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/09\/eram-temoignage-sage-x3-article-684x384.jpg\" class=\"card-post__image\" alt=\"Le groupe Eram optimise sa facturation et sa conformit\u00e9 fiscale avec Sage X3.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/09\/eram-temoignage-sage-x3-article-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/09\/eram-temoignage-sage-x3-article-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/09\/eram-temoignage-sage-x3-article-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__play-video\">\n\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" class=\"card-post__play-icon svg-icon\" width=\"28\" height=\"28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 33 36\"><path d=\"M3.947.936C1.889 1.016 0 2.661 0 4.878v27.11c0 2.956 3.36 4.896 5.999 3.463l24.965-13.555c2.715-1.474 2.715-5.451 0-6.925L6 1.416a3.96 3.96 0 0 0-2.052-.48Zm.032 2.6c.232-.001.475.058.713.187L29.66 17.28c.986.535.986 1.774 0 2.309L4.692 33.144c-.952.517-1.999-.088-1.999-1.155V4.878c0-.533.261-.95.642-1.17.19-.11.411-.171.644-.172\" \/><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M5.25 3C3.74 3 2.5 4.24 2.5 5.75v12.5C2.5 19.76 3.74 21 5.25 21h14c1.51 0 2.75-1.24 2.75-2.75V5.75C22 4.24 20.76 3 19.25 3zm0 1.5h14c.699 0 1.25.551 1.25 1.25v12.5a1.24 1.24 0 0 1-1.25 1.25h-14A1.24 1.24 0 0 1 4 18.25V5.75c0-.699.551-1.25 1.25-1.25m.25.75a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8.25 2.751A1.248 1.248 0 0 0 9 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class=\"entry-date published\" datetime=\"2026-09-18T14:58:10+02:00\">18 septembre 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tLe groupe Eram r\u00e9alise des gains de temps et de conformit\u00e9 avec Sage X3\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Un tiers des dirigeants de TPE-PME anticipent une d\u00e9gradation de leurs finances en 2024. 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