{"id":29415,"date":"2026-04-28T17:54:27","date_gmt":"2026-04-28T15:54:27","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?p=29415"},"modified":"2026-04-28T17:54:29","modified_gmt":"2026-04-28T15:54:29","slug":"tresoriers-et-daf-coarchitectes-strategie-financiere","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/tresoriers-et-daf-coarchitectes-strategie-financiere\/","title":{"rendered":"Tr\u00e9soriers et DAF : les co-architectes de la strat\u00e9gie financi\u00e8re [Guide]"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--standard entry-header--has-illustration entry-header--has-illustration--standard\">\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\/guides-et-modeles-gratuits\/\" class=\"entry-header__link\">Guides et mod\u00e8les gratuits<\/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\tTr\u00e9soriers et DAF : les co-architectes de la strat\u00e9gie financi\u00e8re [Guide]\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\tLa tr\u00e9sorerie devient un levier strat\u00e9gique alliant pilotage, s\u00e9curit\u00e9 et prise de d\u00e9cision.\nLa convergence technologique et organisationnelle via le TMS est essentielle pour orchestrer la cha\u00eene de valeur financi\u00e8re.\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>\n\t<\/div>\n\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-04-28T17:54:27+02:00\">28 avril 2026<\/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=\"Tr\u00e9soriers et DAF : les co-architectes de la strat\u00e9gie financi\u00e8re [Guide]\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/tresoriers-et-daf-coarchitectes-strategie-financiere\/\"\n\t\t\tdata-share-text=\"Veuillez lire cet article int\u00e9ressant\"\n\t\t>\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<\/header>\n\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\/juliettecolongo\/\">\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\/2026\/03\/Juliette-Colongo-350x350.jpg\" class=\"entry-author__image\" alt=\"Juliette Colongo\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/03\/Juliette-Colongo-350x350.jpg 350w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/03\/Juliette-Colongo-768x768.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/03\/Juliette-Colongo.jpg 800w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Juliette Colongo<\/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><strong>Le contexte \u00e9conomique actuel impose une remise en question profonde des organisations financi\u00e8res qui impacte au premier plan les tr\u00e9soriers et DAF. <\/strong><\/p>\n\n\n\n<p>Recrudescence des tentatives de fraude, ralentissement de la demande, contraction des carnets de commandes, allongement des d\u00e9lais de paiement (DSO), tensions g\u00e9opolitiques, hausse durable du co\u00fbt du capital et volatilit\u00e9 accrue des devises et des march\u00e9s : <strong>les directions financi\u00e8res \u00e9voluent d\u00e9sormais dans un univers de risques et d\u2019incertitude structurelle. <\/strong><\/p>\n\n\n\n<p>L\u00e0 o\u00f9 <strong>la tr\u00e9sorerie<\/strong> \u00e9tait autrefois un sujet d\u2019optimisation, elle <strong>est devenue un enjeu de r\u00e9silience, de s\u00e9curit\u00e9 et de survie strat\u00e9gique.<\/strong><\/p>\n\n\n<div class=\"single-cta\">\n\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/04\/LivreblancTRESORERIE-MGE2026.pdf\" class=\"button button--primary\">\n\t\t\tT\u00e9l\u00e9chargez le guide : Tr\u00e9soriers et DAF : les co-architectes de la strat\u00e9gie financi\u00e8re\t\t<\/a>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-la-tresorerie-d-un-sujet-d-optimisation-a-un-enjeu-strategique\">La tr\u00e9sorerie, d\u2019un sujet d\u2019optimisation \u00e0 un enjeu strat\u00e9gique<\/h2>\n\n\n\n<p>Dans ce nouvel environnement, la tr\u00e9sorerie n\u2019est plus une fonction d\u2019ex\u00e9cution en arri\u00e8re-plan. <strong>Elle devient un levier strat\u00e9gique <\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>de pilotage, <\/strong><\/li>\n\n\n\n<li><strong>de s\u00e9curisation<\/strong>,<\/li>\n\n\n\n<li><strong>de prise de d\u00e9cision<\/strong>. <\/li>\n<\/ul>\n\n\n\n<p>Mais pour cela, un constat s\u2019impose : les m\u00e9thodes, les outils et les organisations qui fonctionnaient hier ne suffisent plus aujourd\u2019hui. <\/p>\n\n\n\n<p>C\u2019est pourquoi,<strong> tr\u00e9soriers et DAF se doivent d\u00e9sormais de partager une vision unique, en temps r\u00e9el, s\u00e9curis\u00e9e et ax\u00e9e sur la performance pour prot\u00e9ger l\u2019entreprise et soutenir la strat\u00e9gie.<\/strong> Une convergence qui doit passer par un socle technologique commun, dont la pierre angulaire est aujourd\u2019hui le TMS (Treasury Management System).<\/p>\n\n\n\n<p>L\u2019enjeu n\u2019est plus seulement de g\u00e9rer les liquidit\u00e9s, mais bien d\u2019<strong>orchestrer une v\u00e9ritable cha\u00eene de valeur financi\u00e8re totalement s\u00e9curis\u00e9e.<\/strong> Et pour cela, des transformations technologiques, organisationnelles et culturelles sont plus que jamais n\u00e9cessaires !<\/p>\n\n\n\n<section class=\"wp-block-sage-container is-constrained is-style-jade\"><div class=\"sage-container__inner\">\n<p class=\"has-text-align-center\"><strong>33 %<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>3 entreprises sur 10 pr\u00e9sentent une tr\u00e9sorerie sous tension et 16 % sont confront\u00e9es \u00e0 un risque \u00e9lev\u00e9 de d\u00e9faillance \u00e0 12 mois.<\/strong><sup data-fn=\"1087cd13-ed59-40e1-a100-cfce19de9944\" class=\"fn\"><a href=\"#1087cd13-ed59-40e1-a100-cfce19de9944\" id=\"1087cd13-ed59-40e1-a100-cfce19de9944-link\">1<\/a><\/sup><\/p>\n<\/div><\/section>\n\n\n\n<p><\/p>\n\n\n\n<section class=\"wp-block-sage-container is-constrained is-style-bordered\"><div class=\"sage-container__inner\">\n<h3 class=\"wp-block-heading\" id=\"h-decouvrez-le-sommaire-de-ce-guide\">D\u00e9couvrez le sommaire de ce guide :<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>La tr\u00e9sorerie, d\u2019un sujet d\u2019optimisation \u00e0 un enjeu strat\u00e9gique<\/strong><\/li>\n\n\n\n<li><strong>Renforcer la s\u00e9curit\u00e9 : passer de la r\u00e9action \u00e0 une protection proactive<\/strong><\/li>\n\n\n\n<li><strong>Gagner en visibilit\u00e9 : piloter via une vision exhaustive et imm\u00e9diate des liquidit\u00e9s<\/strong><\/li>\n\n\n\n<li><strong>Lib\u00e9rer l\u2019agilit\u00e9 : faire de la finance un moteur de performance<\/strong><\/li>\n\n\n\n<li><strong>L\u2019alignement du cash et de la strat\u00e9gie comme levier de performance<\/strong><\/li>\n<\/ol>\n<\/div><\/section>\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\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\">Tr\u00e9soriers et DAF : les co-architectes de la strat\u00e9gie financi\u00e8re<\/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>Utiliser la tr\u00e9sorerie comme levier de r\u00e9silience et de performance de l\u2019entreprise en 2026<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/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=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/04\/LivreblancTRESORERIE-MGE2026.pdf\"\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\tid=\"cta-id-29673\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-button-location=\"cta_box\"\n\t\t\t\t\t\t\t\t\t\t\t>Pour en savoir plus 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=\"1214\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0546-1214x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0546-1214x810.jpg 1214w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<?xml encoding=\"utf-8\" ?><ol class=\"wp-block-footnotes\"><li id=\"1087cd13-ed59-40e1-a100-cfce19de9944\"><em>Selon le Barom&egrave;tre du cash des entreprises : 1&egrave;re &eacute;dition &#8211; Creditsafe &#8211; 2025<\/em> <a href=\"#1087cd13-ed59-40e1-a100-cfce19de9944-link\"><span aria-hidden=\"true\">&#8617;<\/span> Aller &agrave; la note de bas de page 1<\/a><\/li><\/ol>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La tr\u00e9sorerie devient un levier strat\u00e9gique alliant pilotage, s\u00e9curit\u00e9 et prise de d\u00e9cision.<br \/>\nLa convergence technologique et organisationnelle via le TMS est essentielle pour orchestrer la cha\u00eene de valeur financi\u00e8re.<\/p>\n","protected":false},"author":1912,"featured_media":21588,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"footnotes":"[{\"content\":\"<em>Selon le Barom\u00e8tre du cash des entreprises : 1\u00e8re \u00e9dition - Creditsafe - 2025<\/em>\",\"id\":\"1087cd13-ed59-40e1-a100-cfce19de9944\"}]"},"categories":[834],"tags":[70,605,41],"business_type":[9],"lilypad":[],"context":[],"industry":[23,24,25,26],"persona":[867,35,34,40,868],"imagine_tag":[446,728],"coauthors":[1052],"class_list":["post-29415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-et-modeles-gratuits","tag-comptabilite","tag-daf-directeur-administratif-financier","tag-tresorerie","business_type-petites-et-moyennes-entreprises","industry-btp","industry-industrie","industry-negoce","industry-services"],"sage_meta":{"region":"fr-fr","author_name":"Juliette Colongo","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0546.jpg","imagine_tags":{"446":"Comptabilit\u00e9","728":"DAF - DSI"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice 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