{"id":6513,"date":"2022-02-25T08:43:22","date_gmt":"2022-02-25T07:43:22","guid":{"rendered":"https:\/\/sage.prag\/fr-fr\/blog\/?p=6513"},"modified":"2024-04-10T15:15:06","modified_gmt":"2024-04-10T13:15:06","slug":"previsions-financieres-entreprise","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/previsions-financieres-entreprise\/","title":{"rendered":"\u00c9tablir ses pr\u00e9visions financi\u00e8res"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\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\t\u00c9tablir ses pr\u00e9visions financi\u00e8res\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>\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=\"2022-02-25T08:43:22+01:00\">25 f\u00e9vrier 2022<\/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=\"\u00c9tablir ses pr\u00e9visions financi\u00e8res\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/previsions-financieres-entreprise\/\"\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\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\">\u00c9tablir les pr\u00e9visions financi\u00e8res de sa future entreprise permet de v\u00e9rifier concr\u00e8tement sa viabilit\u00e9 \u00e9conomique, et par cons\u00e9quent de convaincre des investisseurs potentiels. \u00c9tape cl\u00e9 du <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/rediger-business-plan-en-beton\/\">business plan<\/a>, elle doit \u00eatre r\u00e9alis\u00e9e avec l\u2019aide d\u2019un expert-comptable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-faire-des-previsions-nbsp-financieres\">Pourquoi faire des pr\u00e9visions&nbsp;financi\u00e8res ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Votre projet prend forme, vous avez r\u00e9fl\u00e9chi aux produits ou services que vous souhaitez vendre, \u00e0 leur prix de revient et \u00e0 leur prix de vente. Reste maintenant \u00e0 concr\u00e9tiser tout cela dans un tableau de bord chiffr\u00e9 afin de simuler l\u2019activit\u00e9 de l\u2019entreprise&nbsp;: combien de produits faudra-t-il vendre pour atteindre le seuil de rentabilit\u00e9&nbsp;? Quelles sont les ressources n\u00e9cessaires et combien vont-elles me co\u00fbter&nbsp;? Pourrai-je d\u00e9gager un b\u00e9n\u00e9fice \u00e0 terme, et si oui, dans quelle mesure&nbsp;?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutes ces donn\u00e9es exprim\u00e9es en termes de co\u00fbt permettront de v\u00e9rifier la solidit\u00e9 et, par cons\u00e9quent, la pertinence du projet, tout en concr\u00e9tisant les n\u00e9cessit\u00e9s budg\u00e9taires pour le fonctionnement de l\u2019entreprise. Ces donn\u00e9es sont g\u00e9n\u00e9ralement projet\u00e9es sur une p\u00e9riode de 3 ans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quels-sont-les-elements-a-prendre-en-compte\">Quels sont les \u00e9l\u00e9ments \u00e0 prendre en compte ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Achat, stockage, fabrication, prospection, vente\u2026 vous devez \u00e9valuer chacun des co\u00fbts inh\u00e9rents \u00e0 votre activit\u00e9 de mani\u00e8re tr\u00e8s r\u00e9aliste.<br>L\u2019ensemble de ces \u00e9l\u00e9ments sera compil\u00e9 dans les documents suivants&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le plan de financement&nbsp;initial : Quels sont les capitaux n\u00e9cessaires pour lancer l\u2019entreprise et assurer son fonctionnement au quotidien&nbsp;? Apports personnels, emprunts bancaires, aides et subventions\u2026 devront suffire \u00e0 couvrir les frais la premi\u00e8re ann\u00e9e.<\/li>\n\n\n\n<li>Le compte de r\u00e9sultat pr\u00e9visionnel&nbsp;: Le chiffre d\u2019affaires g\u00e9n\u00e9r\u00e9 couvre-t-il l\u2019ensemble des charges de l\u2019entreprise&nbsp;(fixes et variables)&nbsp;? Lors d\u2019une cr\u00e9ation, le r\u00e9sultat des deux premi\u00e8res ann\u00e9es est souvent n\u00e9gatif. Il s\u2019agira alors d\u2019imaginer comment tendre vers un r\u00e9sultat positif.<\/li>\n\n\n\n<li>Le seuil de rentabilit\u00e9: Quand les recettes deviennent-elles sup\u00e9rieures aux d\u00e9penses de l\u2019entreprise&nbsp;? On parle aussi de \u00ab&nbsp;point mort&nbsp;\u00bb. C\u2019est le moment o\u00f9 vous devenez b\u00e9n\u00e9ficiaire.<\/li>\n\n\n\n<li>Le plan de tr\u00e9sorerie: Avez-vous suffisamment d\u2019argent pour assurer les d\u00e9penses mensuelles&nbsp;? Quelle est votre marge de man\u0153uvre dans le cas d\u2019endettement bancaire ou d\u2019impay\u00e9s de la part de vos clients&nbsp;? Une <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/piloter-sa-tresorerie-pour-le-moyen-ou-long-terme\/\">tr\u00e9sorerie<\/a> saine est indispensable au bon fonctionnement de l\u2019entreprise. On parle aussi de BFR, ou besoin en fonds de roulement, le <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/startup-cash-flow-talon-achille-business-plan\/\">montant en tr\u00e9sorerie<\/a> dont vous avez besoin pour suivre l\u2019activit\u00e9 de l\u2019entreprise.<\/li>\n\n\n\n<li>Le plan de financement \u00e0 3 ans&nbsp;: Votre entreprise sera-t-elle p\u00e9renne dans 3 \u00e0 5 ans&nbsp;? Prolonger les hypoth\u00e8ses budg\u00e9taires sur 3 ans permet en effet de se projeter vers l\u2019avenir et de v\u00e9rifier si le projet s\u2019annonce durable et viable \u00e0 long terme.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quelques-conseils-pour-des-previsions-financieres-optimisees\">Quelques conseils pour des pr\u00e9visions financi\u00e8res optimis\u00e9es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le premier conseil, mais aussi est le plus important\u00a0: travaillez les <a href=\"https:\/\/www.sage.com\/fr-fr\/comptabilite-logiciels\/tresorerie\/\">pr\u00e9visions financi\u00e8res<\/a> de votre future entreprise avec votre expert-comptable. Seul un professionnel sera en capacit\u00e9 de se projeter concr\u00e8tement et efficacement dans la r\u00e9alit\u00e9 des chiffres et des charges au quotidien.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Soyez r\u00e9alistes&nbsp;<\/strong>!<br>Augmenter les recettes sans d\u00e9finir concr\u00e8tement comment vendre davantage n\u2019apportera aucune pertinence \u00e0 votre projet. De m\u00eame que r\u00e9duire les charges en pensant pouvoir faire des \u00e9conomies sur le moment. C\u2019est malheureusement rarement le cas&nbsp;! Imaginez plut\u00f4t diff\u00e9rents sc\u00e9narii avec votre expert-comptable. Et pour \u00e9viter les mauvaises surprises, basez-vous sur l\u2019hypoth\u00e8se la plus pessimiste&nbsp;!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ma\u00eetrisez vos budgets<\/strong> sur le bout des doigts. Vous serez, par cons\u00e9quent, plus convaincant devant un banquier ou un investisseur, et plus efficace dans la gestion au quotidien apr\u00e8s le lancement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/sbcc-de-la-simple-tenue-automatisee-au-pilotage-avance-guide\/\">Sage Business Cloud Comptabilit\u00e9 : de la simple tenue automatis\u00e9e au pilotage avanc\u00e9<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/estimation-chiffrees-business-plan\/\">Comment \u00e9laborer des estimations chiffr\u00e9es pour votre business plan<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/reussir-projet-entreprise-business-plan\/\">R\u00e9ussir son projet d\u2019entreprise gr\u00e2ce \u00e0 un business plan fiable<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/piloter-tresorerie-logiciel-comptabilite\/\">Piloter sa tr\u00e9sorerie, c\u2019est ma\u00eetriser son destin<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/comptabilite-logiciel-saas\/\">Comptabilit\u00e9 : un service en ligne en toute simplicit\u00e9 plut\u00f4t qu\u2019un simple logiciel<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/entreprise-innovante-quelles-aides-financieres\/\">Entreprise innovante les aides financi\u00e8res de A \u00e0 Z<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/financements-creation-entreprise\/\">Cr\u00e9ation d\u2019entreprise : o\u00f9 trouver des financements ? Partie 1<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/financements-emprunt-creation-entreprise\/\">Cr\u00e9ation d\u2019entreprise : o\u00f9 trouver des financements ? Partie 2<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/financements-entreprise-crowdfunding\/\">Cr\u00e9ation d\u2019entreprise : o\u00f9 trouver des financements ? Partie 3<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Article initialement publi\u00e9 le 17\/06\/2015. Derni\u00e8re mise \u00e0 jour le 25\/02\/2022<\/p>\n\n\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\">10 signes qui ne trompent pas : votre solution de gestion est obsol\u00e8te <\/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>Notre guide pour TPE et jeunes PME<\/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-2dfacc18-8df5-4324-99cf-349d020b77fd\"\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 notre 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=\"1253\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/10\/guide-10-indices-qui-ne-trompent-pas-votre-solution-de-gestion-est-obsolete_CTA-1253x810.jpg\" class=\"single-cta__image\" alt=\"10 signes qui ne trompent pas : votre solution de gestion est obsol\u00e8te Notre guide pour TPE et jeunes PME Septembre\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/10\/guide-10-indices-qui-ne-trompent-pas-votre-solution-de-gestion-est-obsolete_CTA-1253x810.jpg 1253w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\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\/welovestartup\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\t#WeLoveStartup\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-28992 post type-post status-publish format-standard has-post-thumbnail hentry category-legal-et-reglementation tag-comptabilite tag-fiscalite-impot tag-tresorerie business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises business_type-expertise-comptable 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=\"1214\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2025\/08\/Mar2025_GB-Trucking-Logistics_0024-1214x810.jpeg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2025\/08\/Mar2025_GB-Trucking-Logistics_0024-684x384.jpeg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2025\/08\/Mar2025_GB-Trucking-Logistics_0024-768x512.jpeg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2025\/08\/Mar2025_GB-Trucking-Logistics_0024-1214x810.jpeg 1214w\" 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=\"2026-03-06T09:15:00+01:00\">6 mars 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\">7 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\/taxe-sur-les-petits-colis\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tTaxe sur les petits colis : quels changements pour les entreprises\u00a0?\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\tDepuis le 1er mars 2026, la taxe sur les petits colis impose un pr\u00e9l\u00e8vement de 2 \u20ac par article pour les imports hors UE de moins de 150 \u20ac. Ce dispositif vise \u00e0 r\u00e9\u00e9quilibrer la concurrence avec le commerce local et impacte les d\u00e9clarations douani\u00e8res. \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-26139 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-comptabilite tag-ia-digitalisation tag-tresorerie business_type-artisans-et-petites-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\/tresorerie-tpe-les-atouts-dune-solution-de-gestion\/\"\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-1464788033-684x384.jpg\" class=\"card-post__image\" alt=\"un bar avec 2 serveurs\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1464788033-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1464788033-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1464788033-1215x810.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=\"2025-10-23T14:32:42+02:00\">23 octobre 2025<\/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\">5 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\tTr\u00e9sorerie des TPE : les 6 atouts d&rsquo;une solution de gestion\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-25532 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-daf-directeur-administratif-financier tag-financement-et-investissement tag-tresorerie 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\/ouverture-de-capital-convaincre-investisseurs\/\"\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\/2017\/09\/GettyImages-526124542_super-scaled-684x384.jpg\" class=\"card-post__image\" alt=\"Two men having video conference with a colleague.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/09\/GettyImages-526124542_super-scaled-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/09\/GettyImages-526124542_super-scaled-768x513.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/09\/GettyImages-526124542_super-scaled-1213x810.jpg 1213w\" 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=\"2025-09-17T07:15:00+02:00\">17 septembre 2025<\/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\">4 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\tOuverture de capital : structurer sa gestion financi\u00e8re pour s\u00e9duire les investisseurs\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-25017 post type-post status-publish format-standard has-post-thumbnail hentry category-legal-et-reglementation tag-paiement-en-ligne tag-reglementation tag-tresorerie 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\/normes-de-paiement-iso-20022-vop\/\"\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\/2017\/09\/GettyImages-503520280_super-684x384.jpg\" class=\"card-post__image\" alt=\"Young entrepreneur looking through the window in the office on a sunny day, he&#039;s holding the mobile phone waiting for an important call.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/09\/GettyImages-503520280_super-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/09\/GettyImages-503520280_super-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/09\/GettyImages-503520280_super-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=\"2025-07-25T07:15:00+02:00\">25 juillet 2025<\/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\tVoP et adresses structur\u00e9es : tout comprendre des nouvelles normes de paiement\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-24843 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-comptabilite tag-pme-pmi tag-tresorerie 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\/tresorerie-reprendre-le-controle-en-2025\/\"\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\/04\/GettyImages-612505724_super-21024x683-1-684x384.jpg\" class=\"card-post__image\" alt=\"Homme en chemise assis \u00e0 une table en train d&#039;\u00e9crire\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/GettyImages-612505724_super-21024x683-1-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/GettyImages-612505724_super-21024x683-1-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/GettyImages-612505724_super-21024x683-1.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=\"2025-07-23T07:15:00+02:00\">23 juillet 2025<\/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\tTr\u00e9sorerie sous tension : comment garder la ma\u00eetrise ?\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>Etablir les pr\u00e9visions financi\u00e8res de sa future entreprise permet de v\u00e9rifier concr\u00e8tement sa viabilit\u00e9 \u00e9conomique, [&#8230;]<\/p>\n","protected":false},"author":1308,"featured_media":6730,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[12],"tags":[822,41],"business_type":[8],"lilypad":[],"context":[],"industry":[],"persona":[35,34],"imagine_tag":[456,475,460,815],"coauthors":[919],"class_list":["post-6513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-financiere","tag-welovestartup","tag-tresorerie","business_type-artisans-et-petites-entreprises"],"sage_meta":{"region":"fr-fr","author_name":"Tristan de Broucker","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2018\/12\/etablir-previsions-financieres-entreprise.jpg","imagine_tags":{"456":"Gestion Commerciale","475":"Gestion factuation","460":"Petites Entreprises","815":"Startup"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice France","distributor_original_site_url":"https:\/\/www.sage.com\/fr-fr\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/6513","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/users\/1308"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/comments?post=6513"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/6513\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/6730"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=6513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=6513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=6513"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=6513"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=6513"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=6513"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=6513"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=6513"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=6513"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=6513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}