{"id":2319,"date":"2023-03-08T12:20:10","date_gmt":"2023-03-08T11:20:10","guid":{"rendered":"https:\/\/www.sage.com\/fr-ma\/blog\/?p=2319"},"modified":"2026-04-27T11:50:19","modified_gmt":"2026-04-27T10:50:19","slug":"etablir-ses-previsions-financieres","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-ma\/blog\/etablir-ses-previsions-financieres\/","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-ma\/blog\/category\/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=\"2023-03-08T12:20:10+01:00\">mars 8, 2023<\/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-ma\/blog\/etablir-ses-previsions-financieres\/\"\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-ma\/blog\/author\/mouna\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2026\/04\/Mouna-350x350.jpg\" class=\"entry-author__image\" alt=\"Mouna Ait Kassi\" srcset=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2026\/04\/Mouna-350x350.jpg 350w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2026\/04\/Mouna.jpg 400w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Mouna Ait Kassi<\/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. Etape cl\u00e9 du\u00a0business plan, elle doit \u00eatre r\u00e9alis\u00e9e avec l\u2019aide d\u2019un expert-comptable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">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\">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\u00a0? Quelle est votre marge de man\u0153uvre dans le cas d\u2019endettement bancaire ou d\u2019impay\u00e9s de la part de vos clients\u00a0? Une\u00a0tr\u00e9sorerie\u00a0saine est indispensable au bon fonctionnement de l\u2019entreprise. On parle aussi de BFR, ou besoin en fonds de roulement, le\u00a0<a href=\"https:\/\/www.sage.com\/fr-ma\/blog\/startup-cash-flow-talon-achille-business-plan\/\">montant en tr\u00e9sorerie<\/a>\u00a0dont 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\">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\u00a0<a href=\"https:\/\/www.sage.com\/fr-ma\/logiciels-tresorerie\/\">pr\u00e9visions financi\u00e8res<\/a>\u00a0de 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>\u00a0sur 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-ma\/blog\/piloter-tresorerie-logiciel-comptabilite\/\">Piloter sa tr\u00e9sorerie, c\u2019est ma\u00eetriser son destin<\/a><\/li>\n<\/ul>\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\">Abonnez-vous \u00e0 la newsletter Sage Advice et recevez, directement dans votre bo\u00eete email, nos tous derniers conseils.<\/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-d40c4109-9f94-4698-b25d-78127a854343\"\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>S&#039;abonner<\/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=\"1064\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2019\/05\/GettyImages-683807936_super-1064x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2019\/05\/GettyImages-683807936_super-1064x810.jpg 1064w\" 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-ma\/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-ma\/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-3024 post type-post status-publish format-standard has-post-thumbnail hentry category-delais-de-paiement category-digitalisation-tendances category-digitalisation-ou-transformation-digitale tag-digitalisation tag-digitalisation-ou-transformation-digitale tag-tresorerie tag-tva business_type-artisan-et-petite-entreprise business_type-petite-et-moyenne-entreprise business_type-expertise-comptable 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=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1481370237.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1481370237-684x384.jpg 684w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1481370237-768x432.jpg 768w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1481370237.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\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=\"2024-10-08T12:25:33+01:00\">octobre 8, 2024<\/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\">6 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-ma\/blog\/delais-de-paiement-quel-bilan-de-la-loi-a-ce-jour\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tD\u00e9lais de paiement\u00a0: quel bilan de la Loi, \u00e0 ce jour\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\tUn an apr\u00e8s son entr\u00e9e en vigueur, le premier bilan de la Loi 69-21, relative aux d\u00e9lais de paiements, se veut encourageant. Ventil\u00e9es par secteur d\u2019activit\u00e9, taille, r\u00e9gion, statut public ou priv\u00e9, les donn\u00e9es r\u00e9colt\u00e9es durant l\u2019ann\u00e9e 2023 dressent un panorama global du comportement des entreprises concern\u00e9es sur les deux premiers trimestres d\u2019application du nouveau dispositif. Les d\u00e9tails.\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-3005 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-tendances category-legal-reglementation tag-reglementation tag-tresorerie tag-tva business_type-artisan-et-petite-entreprise business_type-petite-et-moyenne-entreprise business_type-expertise-comptable\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-ma\/blog\/tva-et-retenues-a-la-source-comment-faire-face-aux-nouvelles-regles-fiscales\/\"\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-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1483132604-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1483132604-684x384.jpg 684w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1483132604-768x512.jpg 768w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1483132604-1215x810.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=\"2024-06-14T09:16:33+01:00\">juin 14, 2024<\/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\">3 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 et Retenues \u00e0 la source. Comment faire face aux nouvelles r\u00e8gles fiscales\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-3001 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere category-legal-reglementation tag-daf tag-reglementation tag-tresorerie tag-tva business_type-artisan-et-petite-entreprise business_type-petite-et-moyenne-entreprise business_type-expertise-comptable\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-ma\/blog\/loi-de-finances-2024-ce-qui-change-avec-la-tva\/\"\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-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1408517180-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1408517180-684x384.jpg 684w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1408517180-768x512.jpg 768w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-1408517180-1215x810.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=\"2024-06-14T09:13:31+01:00\">juin 14, 2024<\/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\tLoi de Finances 2024. Ce qui change avec la TVA\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-2401 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-cloud tag-comptabilite tag-tresorerie business_type-artisan-et-petite-entreprise business_type-petite-et-moyenne-entreprise business_type-expertise-comptable\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-ma\/blog\/tresorerie-7-principes-pour-diminuer-la-pression\/\"\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-ma\/blog\/wp-content\/uploads\/sites\/23\/2022\/04\/GettyImages-1314039604-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2022\/04\/GettyImages-1314039604-684x384.jpg 684w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2022\/04\/GettyImages-1314039604-768x432.jpg 768w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2022\/04\/GettyImages-1314039604-1440x810.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=\"2023-04-19T14:16:44+01:00\">avril 19, 2023<\/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\tTr\u00e9sorerie : 7 principes pour diminuer la pression\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-2318 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-daf tag-financement-et-investissement-2 tag-tresorerie business_type-artisan-et-petite-entreprise business_type-petite-et-moyenne-entreprise\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-ma\/blog\/inflation-7-actions-pour-preserver-la-marge\/\"\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-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-677893494-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-677893494-684x384.jpg 684w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-677893494-768x512.jpg 768w, https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2023\/10\/GettyImages-677893494-1215x810.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=\"2023-03-08T12:48:30+01:00\">mars 8, 2023<\/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\">1 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\tInflation : 7 actions pour pr\u00e9server la marge\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>\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. Etape cl\u00e9 du\u00a0business plan, elle doit \u00eatre r\u00e9alis\u00e9e avec l\u2019aide d\u2019un expert-comptable. Pourquoi faire des pr\u00e9visions&nbsp;financi\u00e8res ? Votre projet prend forme, vous avez r\u00e9fl\u00e9chi aux produits ou services que vous souhaitez vendre, [&hellip;]<\/p>\n","protected":false},"author":788,"featured_media":326,"comment_status":"closed","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":[159],"tags":[145,134],"business_type":[13],"context":[],"industry":[],"persona":[21,304,306],"imagine_tag":[],"coauthors":[331],"class_list":["post-2319","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-financiere","tag-welovestartup","tag-tresorerie","business_type-artisan-et-petite-entreprise"],"sage_meta":{"region":"fr-ma","author_name":"Mouna Ait Kassi","featured_image":"https:\/\/www.sage.com\/fr-ma\/blog\/wp-content\/uploads\/sites\/23\/2019\/05\/GettyImages-90134712.jpg","imagine_tags":[]},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Maroc","distributor_original_site_url":"https:\/\/www.sage.com\/fr-ma\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/posts\/2319","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/users\/788"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/comments?post=2319"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/posts\/2319\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/media\/326"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/media?parent=2319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/categories?post=2319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/tags?post=2319"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/business_type?post=2319"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/context?post=2319"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/industry?post=2319"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/persona?post=2319"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/imagine_tag?post=2319"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-ma\/blog\/api\/wp\/v2\/coauthors?post=2319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}