{"id":296,"date":"2017-06-29T00:00:00","date_gmt":"2017-06-29T00:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/29\/lapparition-de-decouverts-importants\/"},"modified":"2022-09-19T14:47:17","modified_gmt":"2022-09-19T12:47:17","slug":"lapparition-de-decouverts-importants","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/lapparition-de-decouverts-importants\/","title":{"rendered":"L'apparition de d\u00e9couverts importants"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Si vous constatez des d\u00e9couverts sur votre compte professionnel et que ces d\u00e9bits augmentent en montant ou en fr\u00e9quence, c'est peut-\u00eatre le signe d'une d\u00e9gradation de votre tr\u00e9sorerie.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La constatation de la d\u00e9gradation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Vous pouvez vous apercevoir de cette d\u00e9gradation de plusieurs mani\u00e8res comme :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>votre conseiller professionnel qui vous contacte plus souvent pour se renseigner sur vos prochaines recettes,<\/li><li>vos frais bancaires (agios) en augmentation,<\/li><li>votre compte ne redevient plus cr\u00e9diteur, ou plus autant cr\u00e9diteur qu'auparavant,<\/li><li>votre compte reste continuellement d\u00e9biteur.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tous ces signes d\u00e9montrent une d\u00e9gradation de votre tr\u00e9sorerie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Identifier les causes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Il est utile d'en rechercher les causes, afin de rem\u00e9dier \u00e0 cette situation qui, \u00e0 terme, peut provoquer de graves difficult\u00e9s.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elles peuvent \u00eatre par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une augmentation des <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-delais-de-reglement\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9lais clients<\/a>,<\/li><li>une diminution des d\u00e9lais fournisseurs,<\/li><li>un <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/traiter-les-impayes-de-ses-clients\/\" target=\"_blank\" rel=\"noreferrer noopener\">impay\u00e9 client<\/a>,<\/li><li>une augmentation des <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/gerer-ses-stocks\/\" target=\"_blank\" rel=\"noreferrer noopener\">stocks<\/a>,<\/li><li>une baisse des ventes,<\/li><li>une augmentation des <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/des-charges-trop-elevees\/\" target=\"_blank\" rel=\"noreferrer noopener\">charges<\/a> fixes ou variables,<\/li><li>une d\u00e9pense impr\u00e9vue.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Recherchez la cause qui a d\u00e9grad\u00e9 votre tr\u00e9sorerie, parlez-en avec votre expert comptable et\/ou votre conseiller professionnel, afin de trouver une solution durable.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Publications                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Publications<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" 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class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Financer ma TPE : Mobilisation de cr\u00e9ances professionnelles par cession Dailly\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/guide-cession-dailly\/\">\n                Financer ma TPE : Mobilisation de cr\u00e9ances professionnelles par cession Dailly            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Derri\u00e8re ce nom*, se cache un mode sp\u00e9cifique de financement de tr\u00e9sorerie qui vous permet d\u2019\u00eatre r\u00e9gl\u00e9, par la banque, du montant des factures que vous avez \u00e9mises, avant...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n\n<div style=\"height:100px\" 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370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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doivent \u00eatre tenus le plus ajust\u00e9s possible les uns par (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:405,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/letat-de-votre-stock\/&quot;,&quot;title&quot;:&quot;L\\u0027\u00e9tat de votre stock&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:0}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span 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(...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:421,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/des-charges-trop-elevees\/&quot;,&quot;title&quot;:&quot;Des charges trop \u00e9lev\u00e9es&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:0}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"421\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/des-charges-trop-elevees\/\"\n         data-title=\"Des charges trop \u00e9lev\u00e9es\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/des-charges-trop-elevees\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les postes \u00e0 surveiller<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Des charges trop \u00e9lev\u00e9es<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Le niveau des charges peut \u00eatre trop \u00e9lev\u00e9 par rapport au chiffre d&#039;affaires r\u00e9alis\u00e9 et donc peser sur la rentabilit\u00e9. Les principales causes des charges trop lourdes Lorsque (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Si vous constatez des d\u00e9couverts sur votre compte professionnel et que ces d\u00e9bits augmentent en montant ou en fr\u00e9quence, c'est peut-\u00eatre le signe d'une d\u00e9gradation de votre tr\u00e9sorerie. La constatation de la d\u00e9gradation Vous pouvez vous apercevoir de cette d\u00e9gradation de plusieurs mani\u00e8res comme : votre conseiller professionnel qui vous contacte plus souvent pour se [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":2,"views":2115,"viewed_at":"1778432370","newsletter":"0","_yoast_wpseo_primary_category":114,"footnotes":""},"categories":[114,113,90],"tags":[],"class_list":["post-296","post","type-post","status-publish","format-standard","hentry","category-lapparition-de-difficultes","category-les-difficultes-dans-lentreprise","category-vie-de-lentreprise"],"yoast_head":"<title>L&#039;apparition de d\u00e9couverts importants - L&#039;apparition de difficult\u00e9s - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/lapparition-de-decouverts-importants\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L&#039;apparition de d\u00e9couverts importants - L&#039;apparition de difficult\u00e9s - Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"og:description\" content=\"Si vous constatez des d\u00e9couverts sur votre compte professionnel et que ces d\u00e9bits augmentent en montant ou en fr\u00e9quence, c&#039;est peut-\u00eatre le signe d&#039;une d\u00e9gradation de votre tr\u00e9sorerie. 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