{"id":9645,"date":"2021-06-01T09:00:32","date_gmt":"2021-06-01T07:00:32","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?p=9645"},"modified":"2026-02-05T14:23:29","modified_gmt":"2026-02-05T13:23:29","slug":"la-disponibilite-des-liquidites-au-centre-des-preoccupations-des-entreprises","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/la-disponibilite-des-liquidites-au-centre-des-preoccupations-des-entreprises\/","title":{"rendered":"Bien piloter sa tr\u00e9sorerie : une n\u00e9cessit\u00e9 pour garantir la disponibilit\u00e9 de ses liquidit\u00e9s"},"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\/croissance-et-strategie-clients\/\" class=\"entry-header__link\">Croissance &amp; Strat\u00e9gie clients<\/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\tBien piloter sa tr\u00e9sorerie : une n\u00e9cessit\u00e9 pour garantir la disponibilit\u00e9 de ses liquidit\u00e9s\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=\"2021-06-01T09:00:32+02:00\">1 juin 2021<\/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=\"Bien piloter sa tr\u00e9sorerie : une n\u00e9cessit\u00e9 pour garantir la disponibilit\u00e9 de ses liquidit\u00e9s\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/la-disponibilite-des-liquidites-au-centre-des-preoccupations-des-entreprises\/\"\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\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\/sabineducrot\/\">\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\/04\/Sabine-Ducrot-Ciss-350x350.png\" class=\"entry-author__image\" alt=\"\" \/>\t\t\t\t<span class=\"entry-author__name\">Sabine Ducrot-Ciss<\/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\">Disponibilit\u00e9 des liquidit\u00e9s : Les liquidit\u00e9s constituent en quelque sorte <strong>le carburant de l\u2019entreprise<\/strong>. Pour filer la m\u00e9taphore automobile, imaginez une voiture puissante et bien \u00e9quip\u00e9e, confortable et performante, mais priv\u00e9e d\u2019essence \u2013 ou d\u2019\u00e9lectricit\u00e9 puisque l\u2019\u00e9poque est aussi aux mod\u00e8les hybrides ou \u00e9lectriques. Il en va de m\u00eame en \u00e9conomie : une entreprise a beau \u00eatre une machine de guerre commerciale et technologique, elle n\u2019ira nulle part sans liquidit\u00e9s. On peut m\u00eame imaginer une soci\u00e9t\u00e9 aux carnets de commandes bien remplis mais incapable de payer ses charges \u00e0 date.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ce sujet est bien identifi\u00e9<\/strong> par les dirigeants et les gestionnaires : selon une enqu\u00eate Redbridge men\u00e9e en septembre 2020 aupr\u00e8s de 84 soci\u00e9t\u00e9s du SBF 120, <strong>le renforcement des liquidit\u00e9s est la priorit\u00e9 num\u00e9ro une<\/strong> de 37 % des dirigeants\u00b9. <strong>La crise \u00e9conomique<\/strong> n\u00e9e de l\u2019\u00e9pid\u00e9mie de Covid <strong>a, en effet, renforc\u00e9 l\u2019attention port\u00e9e \u00e0 la tr\u00e9sorerie<\/strong>. Car celle-ci permet de couvrir ses charges d\u2019exploitation \u00e0 court terme mais aussi de faire face aux impr\u00e9vus, qui se sont multipli\u00e9s depuis mars 2020 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/retards-de-paiement-un-fleau-pour-les-entreprises\/\">retards de paiement,<\/a><\/li>\n\n\n\n<li>d\u00e9calages de commandes,<\/li>\n\n\n\n<li>d\u00e9fauts de clients et de fournisseurs\u2026<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"#gate-8ec68f93-ed0a-401c-88f4-174ead626c2d\">T\u00e9l\u00e9chargez le Guide et d\u00e9couvrez pourquoi la gestion de tr\u00e9sorerie est un enjeu strat\u00e9gique majeur pour votre entreprise !<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-la-crise-a-renforce-l-attention-portee-aux-liquidites\">La crise a renforc\u00e9 l\u2019attention port\u00e9e aux liquidit\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le \u00ab risque de liquidit\u00e9 \u00bb<\/strong> constitue bel et bien une menace pour les entreprises, y compris pour celles qui connaissent un bon niveau d\u2019activit\u00e9. Rappelons que la tr\u00e9sorerie sert d\u2019abord \u00e0 honorer ses \u00e9ch\u00e9ances \u00e0 court terme : salaires, charges, factures fournisseurs\u2026 La disponibilit\u00e9 de liquidit\u00e9s est donc <strong>un indicateur suivi de pr\u00e8s<\/strong>, en particulier par les banques. De ce point de vue, l\u2019\u00e9tude men\u00e9e par l\u2019association fran\u00e7aise des tr\u00e9soriers d\u2019entreprise (AFTE) et Rexecode en janvier 2021 aupr\u00e8s de 114 tr\u00e9soriers de grandes entreprises et d\u2019ETI, est rassurante : l\u2019impact du deuxi\u00e8me confinement, \u00e0 l\u2019automne 2020, a \u00e9t\u00e9 de faible ampleur, puisque 8 % seulement des sond\u00e9s font part de difficult\u00e9s accrues contre 16 % le mois pr\u00e9c\u00e9dent. La tr\u00e9sorerie globale des entreprises s\u2019am\u00e9liore, notamment du fait de la d\u00e9tente des <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/allongement-delais-de-paiement-ne-subissez-pas\/\">d\u00e9lais de paiement<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reste que la crise a servi de le\u00e7on et prouv\u00e9 la n\u00e9cessit\u00e9 de disposer de liquidit\u00e9s pour faire face aux coups durs. Les entreprises ont prioris\u00e9 la mise en place du t\u00e9l\u00e9travail, le recours au ch\u00f4mage partiel et le report d\u2019\u00e9ch\u00e9ances d\u2019emprunt pour <strong>se donner des marges de man\u0153uvre<\/strong>, selon le barom\u00e8tre d\u2019octobre 2020 de l\u2019observatoire de la gestion de tr\u00e9sorerie Sage-Adelanto aupr\u00e8s de 147 d\u00e9cideurs. Pour <strong>obtenir du financement suppl\u00e9mentaire et faire face aux impr\u00e9vus n\u00e9s de la crise<\/strong>, les entreprises ont, selon cette m\u00eame \u00e9tude, opt\u00e9 d\u2019abord pour l\u2019ouverture de lignes de cr\u00e9dit, l\u2019emprunt et le d\u00e9couvert bancaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon l\u2019\u00e9tude Rexecode, les tr\u00e9soriers ont pr\u00e9f\u00e9r\u00e9, dans 41 % des entreprises, augmenter la part de cash dans les actifs. Une mani\u00e8re d\u2019<strong>anticiper la remont\u00e9e des besoins en <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/optimiser-bfr-amelioration-tresorerie\/\">fonds de roulement<\/a><\/strong> quand viendra l\u2019heure de la reprise. Car c\u2019est bien l\u00e0 l\u2019autre enjeu d\u2019une bonne gestion de tr\u00e9sorerie : se donner les coud\u00e9es franches pour \u00eatre au rendez-vous de la relance \u00e9conomique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-disponibilite-des-liquidites-des-solutions-efficaces-pour-gerer-et-anticiper\">Disponibilit\u00e9 des liquidit\u00e9s : Des solutions efficaces pour g\u00e9rer et anticiper<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cette gestion court et moyen terme de la tr\u00e9sorerie implique de disposer d\u2019<strong>outils de pilotage efficaces pour les aider \u00e0 financer leur BFR et \u00e0 s\u00e9curiser leurs liquidit\u00e9s<\/strong>. Des outils num\u00e9riques qui s\u2019inscrivent dans une strat\u00e9gie globale de digitalisation de l\u2019entreprise. Or, \u00e0 ce jour, l\u2019utilisation de tableurs type Excel, impliquant des op\u00e9rations de ressaisie des donn\u00e9es, reste en vigueur dans 75 % des entreprises, induisant des risques d\u2019erreurs. D\u2019autre part, les entreprises restent trop souvent prisonni\u00e8res du papier : selon le barom\u00e8tre Sage-Adelanto, 45 % des tr\u00e9soriers constatent une <strong>d\u00e9mat\u00e9rialisation insuffisante des documents de travail<\/strong>, qu\u2019ils jugent responsable d\u2019une partie de leurs difficult\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans un <strong>contexte \u00e9conomique incertain<\/strong> caract\u00e9ris\u00e9 par un fort manque de visibilit\u00e9 et des risques de change accrues, par des risques exacerb\u00e9s (cyber-attaques, erreurs, fraudes\u2026), la gestion de tr\u00e9sorerie est plus que jamais un <strong>outil pr\u00e9cieux pour surmonter la crise, une cl\u00e9 de la r\u00e9silience des entreprises<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un tiers des dirigeants d\u2019entreprise envisagent de <strong>se doter d\u2019un outil de gestion de tr\u00e9sorerie nouvelle g\u00e9n\u00e9ration<\/strong>. Un outil r\u00e9pondant aux contraintes du nouveau contexte \u00e9conomique mais aussi au d\u00e9veloppement de nouvelles m\u00e9thodes de travail (t\u00e9l\u00e9travail, r\u00e9unions \u00e0 distance\u2026). Il s\u2019agit de <a href=\"https:\/\/www.sage.com\/fr-fr\/produits\/sage-xrt-solutions\/\">solutions collaboratives<\/a> permettant tout \u00e0 la fois de piloter au plus juste les donn\u00e9es financi\u00e8res de l\u2019entreprise, d\u2019op\u00e9rer un traitement centralis\u00e9 des donn\u00e9es de ses diff\u00e9rentes business units, d\u2019avoir une bonne visibilit\u00e9 sur 12 ou 18 mois, et donc d\u2019anticiper et de se pr\u00e9munir du risque de liquidit\u00e9, et enfin de suivre les indicateurs cl\u00e9s et d\u2019\u00e9diter des reportings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusion, la mise en \u0153uvre d\u2019une solution nouvelle g\u00e9n\u00e9ration de pilotage de sa tr\u00e9sorerie permet \u00e0 une entreprise de relever, entre autres d\u00e9fis, ceux li\u00e9s \u00e0 la disponibilit\u00e9 de ses liquidit\u00e9s. Elle s\u2019inscrit dans une strat\u00e9gie globale de digitalisation de l\u2019entreprise, permettant le d\u00e9veloppement du travail collaboratif et assurant une meilleure r\u00e9silience en ces temps incertains.<\/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\/actualites\/communiques-presse\/2020\/11\/resultats-barometre-tresoriers-2020\/\">Sage r\u00e9v\u00e8le les r\u00e9sultats du 2e barom\u00e8tre des tr\u00e9soriers 2020<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tresorerie-en-temps-de-crise\/\">Tr\u00e9sorerie en temps de crise : les 10 bonnes pratiques<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b9 <a href=\"https:\/\/www.redbridgedta.com\/fr\/market-intelligence\/etude-sbf-120-2020\/\">Enqu\u00eate Redbridge &#8211; Priorit\u00e9 au renforcement de la liquidit\u00e9<\/a><\/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\">Les atouts d\u2019une cha\u00eene de valeur continue pour la gestion de tr\u00e9sorerie<\/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>D\u00e9couvrez pourquoi la gestion de tr\u00e9sorerie est un enjeu strat\u00e9gique majeur pour les entreprises !<\/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-8ec68f93-ed0a-401c-88f4-174ead626c2d\"\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 gratuitement 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=\"1252\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/guide-atouts-chaine-valeur-continue-gestion-tresorerie-CTA-GUIDE-1252x810.jpg\" class=\"single-cta__image\" alt=\"guide-atouts-chaine-valeur-continue-gestion-tresorerie-CTA-GUIDE\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/guide-atouts-chaine-valeur-continue-gestion-tresorerie-CTA-GUIDE-1252x810.jpg 1252w\" 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\/bfr-besoin-en-fond-de-roulement\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBFR &#8211; Besoin en Fond de Roulement\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\/immobilisations-amortissements\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tImmobilisations &#8211; Amortissements\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-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 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\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0546-1214x810.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0546-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0546-768x512.jpg 768w, 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) 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<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" 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=\"M11.988 2.989a.75.75 0 0 0-.739.761v10.689l-1.72-1.72a.75.75 0 0 0-.957-.099.75.75 0 0 0-.315.776c.031.146.104.28.211.384l3 3a.75.75 0 0 0 1.06 0l3-3a.76.76 0 0 0 .231-.533.74.74 0 0 0-.22-.538q-.108-.106-.247-.164c-.139-.058-.191-.057-.291-.056s-.198.022-.29.061-.174.097-.243.169l-1.72 1.72V3.75a.76.76 0 0 0-.22-.541.76.76 0 0 0-.542-.22zM5.75 8.5C4.24 8.5 3 9.74 3 11.25v7C3 19.76 4.24 21 5.75 21h12.5c1.51 0 2.75-1.24 2.75-2.75v-7c0-1.51-1.24-2.75-2.75-2.75h-3a.76.76 0 0 0-.537.216.74.74 0 0 0-.223.535.76.76 0 0 0 .223.535.74.74 0 0 0 .537.216h3c.699 0 1.25.551 1.25 1.25v7a1.24 1.24 0 0 1-1.25 1.25H5.75a1.24 1.24 0 0 1-1.25-1.25v-7c0-.699.551-1.25 1.25-1.25h3a.76.76 0 0 0 .537-.216.74.74 0 0 0 .223-.535.76.76 0 0 0-.223-.535.75.75 0 0 0-.537-.216z\" \/><\/svg>\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=\"2026-04-28T17:54:27+02:00\">28 avril 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\">2 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\/tresoriers-et-daf-coarchitectes-strategie-financiere\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tTr\u00e9soriers et DAF : les co-architectes de la strat\u00e9gie financi\u00e8re [Guide]\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\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<\/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-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\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/taxe-sur-les-petits-colis\/\"\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\/2025\/08\/Mar2025_GB-Trucking-Logistics_0024-684x384.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\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=\"2026-03-06T09:15:00+01:00\">6 mars 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\">7 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\tTaxe sur les petits colis : quels changements pour les entreprises\u00a0?\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-1327 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-banque tag-comptabilite tag-tresorerie 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\/nouveaux-moyens-paiements-europeens-cash-management\/\"\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\/12\/integrer_nouveaux_moyens_paiement_cash_management-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/12\/integrer_nouveaux_moyens_paiement_cash_management-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/12\/integrer_nouveaux_moyens_paiement_cash_management-768x513.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/12\/integrer_nouveaux_moyens_paiement_cash_management-1214x810.jpg 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\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=\"2026-01-29T16:34:17+01:00\">29 janvier 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\tNouveaux moyens de paiements et cash management : boostez votre tr\u00e9sorerie !\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-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-4 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\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Disponibilit\u00e9 des liquidit\u00e9s : Les liquidit\u00e9s constituent en quelque sorte le carburant de l\u2019entreprise. Pour filer la m\u00e9taphore automobile, imaginez une voiture puissante et bien \u00e9quip\u00e9e, confortable et performante, mais priv\u00e9e d\u2019essence \u2013 ou d\u2019\u00e9lectricit\u00e9 puisque l\u2019\u00e9poque est aussi aux mod\u00e8les hybrides ou \u00e9lectriques. Il en va de m\u00eame en \u00e9conomie : une entreprise a [&hellip;]<\/p>\n","protected":false},"author":902,"featured_media":9552,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_is_cornerstone":"","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","_yoast_wpseo_schema_page_type":"","_yoast_wpseo_schema_article_type":"","_sage_video":false,"_yoast_wpseo_focuskeywords":"","_yoast_wpseo_keywordsynonyms":"","_yoast_wpseo_primary_category":"14","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":[14,12],"tags":[44,688,41],"business_type":[9],"lilypad":[],"context":[],"industry":[23,24,25,26],"persona":[35,34,37],"imagine_tag":[728,714,857,459,458],"coauthors":[901],"class_list":["post-9645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-croissance-et-strategie-clients","category-gestion-financiere","tag-bfr-besoin-en-fond-de-roulement","tag-immobilisations-amortissements","tag-tresorerie","business_type-petites-et-moyennes-entreprises","industry-btp","industry-industrie","industry-negoce","industry-services"],"sage_meta":{"region":"fr-fr","author_name":"Sabine Ducrot-Ciss","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/Bien-piloter-sa-tresorerie-une-necessite-pour-garantir-la-disponibilite-de-ses-liquidites.jpg","imagine_tags":{"728":"DAF - DSI","714":"Dirigeant de PME","857":"Fiscalit\u00e9 &amp; Tr\u00e9sorerie","459":"Petites et Moyennes Entreprises","458":"Tr\u00e9sorerie"}},"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\/9645","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\/902"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/comments?post=9645"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/9645\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/9552"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=9645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=9645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=9645"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=9645"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=9645"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=9645"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=9645"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=9645"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=9645"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=9645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}