{"id":8702,"date":"2023-04-12T09:30:00","date_gmt":"2023-04-12T08:30:00","guid":{"rendered":"https:\/\/www.sage.com\/pt-pt\/blog\/?p=8702"},"modified":"2023-04-03T18:13:56","modified_gmt":"2023-04-03T17:13:56","slug":"8702-2","status":"publish","type":"post","link":"https:\/\/www.sage.com\/pt-pt\/blog\/8702-2\/","title":{"rendered":"Previs\u00e3o financeira"},"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\/pt-pt\/blog\/category\/dinheiro-e-poupanca\/\" class=\"entry-header__link\">Dinheiro e Poupan\u00e7a<\/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\tPrevis\u00e3o financeira\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 \"><time class=\"entry-date published\" datetime=\"2023-04-12T09:30:00+01:00\">Abril 12, 2023<\/time><\/span><span class=\"reading-time\"> minutos de leitura<\/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=\"Previs\u00e3o financeira\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/pt-pt\/blog\/8702-2\/\"\n\t\t\tdata-share-text=\"Por favor, leia este artigo interessante\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partilhar<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copiar link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copiada<\/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\/pt-pt\/blog\/author\/ashleyhindsman\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/02\/Ashley-Thompson-350x350.jpg\" class=\"entry-author__image\" alt=\"Ashley Thompson\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/02\/Ashley-Thompson-350x350.jpg 350w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/02\/Ashley-Thompson.jpg 600w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Ashley Thompson<\/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=\"\"><strong>A previs\u00e3o financeira \u00e9 um instrumento de trabalho essencial para a gest\u00e3o das microempresas.&nbsp;<\/strong>Permite avaliar com a maior precis\u00e3o poss\u00edvel o volume de neg\u00f3cios da empresa e as despesas previstas para os pr\u00f3ximos meses, de modo a determinar se a viabilidade da atividade ainda se mant\u00e9m.<\/p>\n\n\n\n<p class=\"\">Constitu\u00edda por&nbsp;<strong>tabelas financeiras<\/strong>, a sua prepara\u00e7\u00e3o requer precis\u00e3o e metodologia. Aqui est\u00e3o algumas dicas para a implementar com a maior precis\u00e3o poss\u00edvel.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Como elaborar a sua previs\u00e3o financeira?<\/h4>\n\n\n\n<p class=\"\">Para preencher as suas tabelas de&nbsp;<strong>previs\u00e3o financeira<\/strong>, ter\u00e1 de estimar todas as&nbsp;<strong>despesas&nbsp;<\/strong>(ou &#8216;custos&#8217;) e&nbsp;<strong>receitas&nbsp;<\/strong>(ou &#8216;proveitos&#8217;) para o ano corrente e para os anos futuros (em geral, tr\u00eas anos).<\/p>\n\n\n\n<p class=\"\">Esta estimativa deve ser o mais realista poss\u00edvel, n\u00e3o s\u00f3 em termos de valores a d\u00e9bito e a cr\u00e9dito, mas tamb\u00e9m em termos de&nbsp;<em>timing<\/em>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quando devo pagar as despesas?<\/li>\n\n\n\n<li>Quando \u00e9 que os clientes pagam as compras?<\/li>\n\n\n\n<li>Quando \u00e9 que pago aos meus fornecedores?<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Esta informa\u00e7\u00e3o \u00e9 relevante para a&nbsp;<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/como-fazer-um-plano-de-fluxo-de-caixa-e-alguns-exemplos-praticos\/\">fluidez da sua tesouraria<\/a>&nbsp;e, portanto, para o n\u00edvel de&nbsp;<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/besoin-en-fonds-roulement-definition\/\"><strong>exig\u00eancia das necessidades de fundo de maneio<\/strong><\/a><strong>&nbsp;(NFM)<\/strong>.&nbsp;Esta estimativa \u00e9 essencial, uma vez que uma avalia\u00e7\u00e3o incorreta dessas necessidades pode levar ao encerramento da empresa. Para melhorar o n\u00edvel das NFM, \u00e9 prefer\u00edvel tentar&nbsp;<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/como-antecipar-pagamentos-em-atraso\/\">encurtar os prazos de pagamento dos seus clientes<\/a>&nbsp;e estender os&nbsp;<strong>prazos de pagamento<\/strong>&nbsp;dos seus fornecedores, nomeadamente.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Os r\u00e1cios essenciais&nbsp;<\/strong>da&nbsp;<strong>previs\u00e3o financeira<\/strong><\/h4>\n\n\n\n<p class=\"\">As tabelas de previs\u00e3o financeira permitem-lhe&nbsp;<strong>concentrar-se em certos r\u00e1cios&nbsp;<\/strong>que espelham a sa\u00fade financeira do seu neg\u00f3cio. Elas incluem, por exemplo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>r\u00e1cios da d\u00edvida,&nbsp;<\/strong>tais como o r\u00e1cio de independ\u00eancia financeira, que indica a percentagem de capital pr\u00f3prio no capital est\u00e1vel<\/li>\n\n\n\n<li><strong>r\u00e1cios de fluxo de caixa&nbsp;<\/strong>que medem o&nbsp;<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/gerir-o-fluxo-de-caixa-uma-chave-para-o-financiamento-a-medio-e-longo-prazo\/\">fluxo de caixa<\/a>&nbsp;potencial<\/li>\n\n\n\n<li><strong>r\u00e1cios de rentabilidade&nbsp;<\/strong>(rendibilidade do capital injetado, rentabilidade operacional, etc.) e r\u00e1cios estruturais (solvabilidade da empresa a curto prazo etc.).<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Esteja atento porque certos r\u00e1cios devem ser coerentes entre si para demonstrar a boa sa\u00fade do seu neg\u00f3cio. Por exemplo, o fluxo de caixa deve ser suficiente para cobrir o valor dos empr\u00e9stimos contra\u00eddos. Da mesma forma, o&nbsp;<strong>capital pr\u00f3prio&nbsp;<\/strong>deve ser pelo menos igual ao n\u00edvel da d\u00edvida l\u00edquida.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Porqu\u00ea utilizar um software de gest\u00e3o<\/strong>?<\/h4>\n\n\n\n<p class=\"\">Para&nbsp;<strong>facilitar a elabora\u00e7\u00e3o da previs\u00e3o<\/strong>, \u00e9 aconselh\u00e1vel utilizar&nbsp;<a href=\"https:\/\/www.sage.com\/pt-pt\/contabilistas\/sage-for-accountants\/\">um software dedicado<\/a>. Todo o&nbsp;<em>processo&nbsp;<\/em>de elabora\u00e7\u00e3o \u00e9 orientado e a recupera\u00e7\u00e3o dos fluxos financeiros \u00e9 autom\u00e1tica, o que&nbsp;<strong>permite evitar erros de c\u00e1lculo&nbsp;<\/strong>ou&nbsp;<strong>omiss\u00f5es de informa\u00e7\u00e3o<\/strong>.<\/p>\n\n\n\n<p class=\"\">Com o software, consegue obter um ficheiro bem formatado que lhe permite extrair facilmente a informa\u00e7\u00e3o de que necessita, bem como&nbsp;<strong>gr\u00e1ficos&nbsp;<\/strong>e&nbsp;<strong>pain\u00e9is de controlo operacionais&nbsp;<\/strong>de f\u00e1cil utiliza\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"\">Por fim, lembre-se que n\u00e3o est\u00e1 sozinho quando elabora as suas tabelas. A maioria das empresas de software disponibiliza&nbsp;<strong>um helpdesk&nbsp;<\/strong>para esclarecer quaisquer d\u00favidas que possa ter.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Submeta a sua previs\u00e3o financeira a um contabilista certificado&nbsp;<\/strong><\/h4>\n\n\n\n<p class=\"\">A elabora\u00e7\u00e3o de uma boa&nbsp;<strong>previs\u00e3o&nbsp;<\/strong>requer um m\u00ednimo de conhecimentos de&nbsp;<strong>contabilidade<\/strong>&nbsp;e tributa\u00e7\u00e3o, o que n\u00e3o est\u00e1 ao alcance de todos. Para ter a certeza que as suas&nbsp;<strong>previs\u00f5es financeiras<\/strong>&nbsp;foram corretamente avaliadas, n\u00e3o hesite em mandar verificar as suas tabelas por um&nbsp;<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/o-contabilista-certificado-em-tempos-de-pandemia\/\">contabilista certificado<\/a>. Ele ou ela poder\u00e1 verificar se os pressupostos financeiros s\u00e3o cred\u00edveis e se os elementos que os sustentam s\u00e3o fi\u00e1veis. No final da miss\u00e3o, o contabilista ir\u00e1 elaborar um parecer, o que o ir\u00e1 ajudara a tomar as melhores decis\u00f5es, ou mesmo a aprimorar o seu trabalho, se necess\u00e1rio.<\/p>\n\n\n\n<p class=\"\">Estes conte\u00fados tamb\u00e9m podem interessar-lhe:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/como-manter-o-fluxo-de-caixa-durante-a-crise-energetica\/\">Como manter o fluxo de caixa durante a crise energ\u00e9tica<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/como-expandir-a-sua-empresa-de-contabilidade-com-servicos-de-consultadoria-ao-fluxo-de-caixa\/\">Como expandir a sua empresa de contabilidade com servi\u00e7os de consultoria ao fluxo de caixa<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/demonstracao-dos-fluxos-de-caixa-como-utilizar-este-instrumento-financeiro\/\">Demonstra\u00e7\u00e3o dos fluxos de caixa \u2013 como utilizar este instrumento financeiro?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/boas-praticas-para-um-negocio-de-contabilidade-guia\/\">Boas pr\u00e1ticas para um neg\u00f3cio de Contabilidade (Guia)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/8400-2\/\">Indicadores contabil\u00edsticos, ferramentas valiosas para a tomada de decis\u00f5es<\/a><\/li>\n<\/ul>\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\">Receba a newsletter Sage Advice<\/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>Inscreva-se para receber o boletim do Sage\u00a0Advice e receba os conselhos mais recentes diretamente no seu e-mail.<\/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-56228f27-e58f-435b-9b72-a561d684e263\"\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>Subscrever<\/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=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1073868226-1215x810.jpg\" class=\"single-cta__image\" alt=\"Rapaz ao telefone no seu escrit\u00f3rio\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1073868226-1215x810.jpg 1215w\" 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 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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\/pt-pt\/blog\/controlar-gastos-negocio\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tComo controlar os gastos do seu neg\u00f3cio\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\tSaiba como controlar os gastos do seu neg\u00f3cio, reduzir despesas e tomar decis\u00f5es financeiras mais informadas com m\u00e9todos pr\u00e1ticos e eficazes.\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\">Artigos mais recentes<\/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-9834 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca category-estrategia-legal-e-processos tag-estrategia tag-poupanca-nas-empresas business_type-pequenas-empresas business_type-medias-empresas business_type-contabilistas industry-servicos industry-servicos-financeiros\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/o-regime-fiscal-de-incentivo-a-capitalizacao-de-empresas-ice-o-que-precisa-de-saber\/\"\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\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1421970566-684x384.jpg\" class=\"card-post__image\" alt=\"Um grupo de pessoas reunidas, discutindo e colaborando em um ambiente de trabalho.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1421970566-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1421970566-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1421970566-1215x810.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=\"2025-10-31T11:56:40+00:00\">Outubro 31, 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 minutos de leitura<\/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\tO Regime Fiscal de Incentivo \u00e0 Capitaliza\u00e7\u00e3o de Empresas (ICE): O que precisa de saber\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-9449 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca tag-poupanca-nas-empresas business_type-pequenas-empresas business_type-medias-empresas business_type-contabilistas industry-servicos industry-servicos-financeiros\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/o-que-sao-debitos-e-creditos\/\"\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\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1478421401-684x384.jpg\" class=\"card-post__image\" alt=\"Uma jovem mulher negra a verificar as contas do seu neg\u00f3cio.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1478421401-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1478421401-768x432.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1478421401.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=\"2025-01-24T08:56:40+00:00\">Janeiro 24, 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\">11 minutos de leitura<\/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\tO que s\u00e3o d\u00e9bitos e cr\u00e9ditos?\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-8041 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca tag-poupanca-nas-empresas business_type-medias-empresas business_type-contabilistas industry-servicos industry-servicos-financeiros\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/o-departamento-de-tesouraria-como-banco-da-empresa\/\"\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\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1392324314-684x384.jpg\" class=\"card-post__image\" alt=\"Uma mulher a rever a contabilidade do seu neg\u00f3cio\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1392324314-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1392324314-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1392324314-1215x810.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=\"2025-01-07T12:47:44+00:00\">Janeiro 7, 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 minutos de leitura<\/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\tO departamento de tesouraria como banco da empresa\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-9848 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca category-tecnologia-e-inovacao tag-captacao-de-clientes tag-poupanca-nas-empresas tag-retencao-clientes business_type-pequenas-empresas business_type-medias-empresas business_type-contabilistas industry-servicos industry-servicos-financeiros\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/cyber-monday-como-o-comercio-pode-inovar\/\"\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\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1272562578-684x384.jpg\" class=\"card-post__image\" alt=\"Uma entregadora usando um uniforme azul e luvas est\u00e1 parada na parte de tr\u00e1s de uma van, segurando um pacote. V\u00e1rios outros pacotes est\u00e3o empilhados ao redor dela dentro da van.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1272562578-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1272562578-768x432.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1272562578-1440x810.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=\"2024-11-29T12:07:30+00:00\">Novembro 29, 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\">7 minutos de leitura<\/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\tCyber Monday: Como o com\u00e9rcio pode inovar\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>A previs\u00e3o financeira \u00e9 um instrumento de trabalho essencial para a gest\u00e3o das microempresas.\u00a0Permite avaliar com a maior precis\u00e3o poss\u00edvel o volume de neg\u00f3cios da empresa e as despesas previstas para os pr\u00f3ximos meses, de modo a determinar se a viabilidade da atividade ainda se mant\u00e9m.<\/p>\n","protected":false},"author":103,"featured_media":7510,"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,"footnotes":""},"categories":[14],"tags":[69],"business_type":[3],"context":[],"industry":[130,126],"persona":[46,43,47,44],"imagine_tag":[157],"coauthors":[493],"class_list":["post-8702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dinheiro-e-poupanca","tag-poupanca-nas-empresas","business_type-medias-empresas","industry-servicos","industry-servicos-financeiros"],"sage_meta":{"region":"pt-pt","author_name":"Ashley Thompson","featured_image":"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-560700409.jpg","imagine_tags":{"157":"Dinheiro e Poupan\u00e7a"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Portugal","distributor_original_site_url":"https:\/\/www.sage.com\/pt-pt\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts\/8702","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/users\/103"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/comments?post=8702"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts\/8702\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media\/7510"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media?parent=8702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/categories?post=8702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/tags?post=8702"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/business_type?post=8702"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/context?post=8702"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/industry?post=8702"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/persona?post=8702"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/imagine_tag?post=8702"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/coauthors?post=8702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}