{"id":297,"date":"2024-06-06T00:00:00","date_gmt":"2024-06-05T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/29\/qui-peut-vous-aider-a-prevenir-les-difficultes\/"},"modified":"2026-02-04T12:30:50","modified_gmt":"2026-02-04T10:30:50","slug":"qui-peut-vous-aider-a-prevenir-les-difficultes","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/qui-peut-vous-aider-a-prevenir-les-difficultes\/","title":{"rendered":"Qui peut vous aider \u00e0 pr\u00e9venir les difficult\u00e9s ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous pouvez vous tourner vers diff\u00e9rents interlocuteurs qui peuvent vous alerter ou vous conseiller dans le pilotage de votre activit\u00e9.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le conseiller bancaire<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00f4le du <strong>conseiller bancaire<\/strong> est primordial dans l'aide qu'il peut vous apporter concernant la <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/prevenir-difficultes-signaux-faibles\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9tection de difficult\u00e9s financi\u00e8res<\/a> dans votre entreprise. Pour cela, vous devez maintenir un contact r\u00e9gulier avec votre conseiller et le tenir inform\u00e9 de votre situation, de vos doutes ou projets.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre <strong>conseiller<\/strong> peut \u00e9galement vous contacter suite \u00e0 des constats qu'il pourrait faire sur votre compte bancaire. Les avis de votre banquier seront toujours consultatifs puisqu'il n'intervient pas dans la gestion de votre entreprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'expert comptable, le CGA, l'AGA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le recours \u00e0 un <strong>expert comptable<\/strong>, ou un <strong>Centre de Gestion Agr\u00e9\u00e9<\/strong> (CGA), ou une <strong>Association de Gestion Agr\u00e9\u00e9e<\/strong> (AGA), permet de vous tenir inform\u00e9 de l'apparition d'\u00e9ventuelles difficult\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, confier sa comptabilit\u00e9 \u00e0 un expert comptable ou faire v\u00e9rifier sa comptabilit\u00e9 par un CGA ou AGA, peut <strong>\u00e9viter des difficult\u00e9s<\/strong> \u00e9ventuellement lourdes de cons\u00e9quences, puisqu'ils vous commentent vos soldes interm\u00e9diaires de gestions et \u00e9quilibres bilantiels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces analyses permettent souvent de d\u00e9celer une difficult\u00e9 au moment o\u00f9 elle appara\u00eet et de prendre des dispositions rapidement avant aggravation de la situation.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>Les Conseillers dans les chambres professionnelles :<\/strong> La plupart des chambres professionnelles ont mis en place des cellules de pr\u00e9vention des difficult\u00e9s avec un conseiller pour vous \u00e9couter et \u00e9tablir un diagnostic.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les Groupements de Pr\u00e9vention Agr\u00e9\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>Groupements de Pr\u00e9vention Agr\u00e9\u00e9s<\/strong> (GPA) vous aident dans l'analyse de votre situation comptable et financi\u00e8re, afin de vous alerter sur le ou les points qui posent probl\u00e8me ou risquent de provoquer une difficult\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un sp\u00e9cialiste des soci\u00e9t\u00e9s en difficult\u00e9s peut vous apporter le soutien et l'aide dont vous avez besoin pour vous sortir de ces difficult\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les correspondants TPE-PME de la Banque de France<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>correspondants TPE-PME<\/strong> sont charg\u00e9s d'\u00eatre \u00e0 l'\u00e9coute des responsables de TPE et de PME pour notamment les aider \u00e0 anticiper les <strong>difficult\u00e9s de gestion ou de <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/la-gestion-de-tresorerie\/\" target=\"_blank\">tr\u00e9sorerie<\/a><\/strong>.<br>Il existe 102 correspondants TPE-PME pr\u00e9sents en m\u00e9tropole et en outre-mer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les Centres d'Information sur la Pr\u00e9vention des difficult\u00e9s des entreprises<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>Centres d'Information sur la Pr\u00e9vention<\/strong> sont des associations compos\u00e9es de professionnels b\u00e9n\u00e9voles. Leur objectif est de faire conna\u00eetre les dispositifs pr\u00e9vus par la loi pour pr\u00e9venir ou traiter les difficult\u00e9s des entreprises. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ils sont constitu\u00e9s de repr\u00e9sentants des :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>associations locales de juges et anciens juges des Tribunaux de Commerce ;<\/li><li>chambres de commerce et d'industrie , des m\u00e9tiers, d'agriculture ;<\/li><li>Centres de Gestion Agr\u00e9\u00e9s (CGA) et des Associations de Gestion Agr\u00e9\u00e9e (AGA) ;<\/li><li>syndicats professionnels CPME, MEDEF, UPA\u2026 ;<\/li><li>administrations fiscales et sociales : URSSAF, Tr\u00e9sor public\u2026 ;<\/li><li>collectivit\u00e9s territoriales : les communes, conseil d\u00e9partemental, conseil r\u00e9gional\u2026 ;<\/li><li>du Conseil R\u00e9gional de l'Ordre des experts-comptables ;<\/li><li>de la Compagnie R\u00e9gionale des Commissaires aux Comptes ;<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour trouver les coordonn\u00e9es des CIP, rendez-vous sur leur <a rel=\"noreferrer noopener\" href=\"https:\/\/www.cip-national.fr\/prevention-des-difficultes-des-entreprises\/cip-territoriaux-aide-entreprises-en-difficulte\/\" target=\"_blank\">site Internet<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/prevention-difficultes\/\" target=\"_blank\" rel=\"noreferrer noopener\">La \"boite \u00e0 outils\" du dirigeant<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A tous les stades de la vie de votre entreprise, vous pouvez vous r\u00e9f\u00e9rer \u00e0 la\u00a0<a href=\"https:\/\/www.banque-france.fr\/fr\/votre-service\/entreprises\/la-banque-de-france-vous-aide\/saisir-la-mediation-du-credit\/la-boite-outils-du-dirigeant\">\"boite \u00e0 outils\"\u00a0<\/a>du dirigeant propos\u00e9e par la <a href=\"\/entreprise\/mediation-credit\" target=\"_blank\" rel=\"noreferrer noopener\">m\u00e9diation du cr\u00e9dit aux entreprises<\/a> et la m\u00e9diation des entreprises. Elle vous permet de conna\u00eetre tous les dispositifs de d\u00e9tection pr\u00e9coce et de soutien qui existent pour vous aider.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Qui peut vous aider \u00e0 pr\u00e9venir les difficult\u00e9s ?\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.fcga.fr\/\" target=\"_blank\">F\u00e9d\u00e9ration des Centres de Gestion Agr\u00e9\u00e9s<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.fnaga.com\/\">F\u00e9d\u00e9ration Nationale des AGA<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.experts-comptables.fr\/\">Le site de l'ordre des Experts Comptables<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/entreprises.banque-france.fr\/en\/node\/5592\">Les correspondants TPE-PM<\/a><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/entreprises.banque-france.fr\/en\/node\/5592\">E<\/a><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/entreprises.banque-france.fr\/en\/node\/5592\"> de la Banque de France<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.cip-national.fr\/\">Centre d'information sur la pr\u00e9vention des difficult\u00e9s des entreprises<\/a><\/li><\/ul>\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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            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class=\"card__submetas\">\n                                        <p class=\"card__category\">Les proc\u00e9dures amiables<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le mandat ad hoc : une solution amiable pour surmonter les difficult\u00e9s de mon entreprise<\/span>\n                <\/h3>\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;:659,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/lapparition-de-deficits-importants\/&quot;,&quot;title&quot;:&quot;L\\u0027apparition de d\u00e9ficits 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Le conseiller bancaire Le r\u00f4le du conseiller bancaire est primordial dans l'aide qu'il peut vous apporter concernant la d\u00e9tection de difficult\u00e9s financi\u00e8res dans votre entreprise. Pour cela, vous devez maintenir un contact r\u00e9gulier avec votre [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":12485,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":4,"views":3674,"viewed_at":"1778482515","newsletter":"0","_yoast_wpseo_primary_category":114,"footnotes":""},"categories":[114,113,90],"tags":[],"class_list":["post-297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lapparition-de-difficultes","category-les-difficultes-dans-lentreprise","category-vie-de-lentreprise"],"yoast_head":"<title>Qui peut vous aider \u00e0 pr\u00e9venir les difficult\u00e9s ? - L&#039;apparition de difficult\u00e9s - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"Diff\u00e9rents types d&#039;interlocuteurs peuvent vous aider \u00e0 pr\u00e9venir les difficult\u00e9s : conseiller bancaire, expert comptable, correspondant TPE\" \/>\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\/qui-peut-vous-aider-a-prevenir-les-difficultes\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qui peut vous aider \u00e0 pr\u00e9venir les difficult\u00e9s ? - 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