{"id":313,"date":"2025-11-27T00:00:00","date_gmt":"2025-11-26T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/28\/les-questions-a-se-poser-avant-de-placer-sa-tresorerie\/"},"modified":"2026-09-30T10:52:30","modified_gmt":"2026-09-30T08:52:30","slug":"placer-tresorerie","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/placer-tresorerie\/","title":{"rendered":"Comment valoriser mes exc\u00e9dents de tr\u00e9sorerie ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous disposez d\u2019un exc\u00e9dent de tr\u00e9sorerie important et vous souhaitez le faire fructifier ? Plusieurs solutions existent, mais comment choisir l'investissement adapt\u00e9 \u00e0 votre entreprise ? Avant toute d\u00e9cision, prenez le temps d\u2019analyser vos besoins, vos contraintes et vos objectifs financiers.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu'est-ce qu'un exc\u00e9dent de tr\u00e9sorerie d'entreprise ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une <strong>tr\u00e9sorerie exc\u00e9dentaire<\/strong> correspond \u00e0 l\u2019argent disponible apr\u00e8s paiement de l'ensemble des charges, dettes \u00e0 court terme et investissements n\u00e9cessaires \u00e0 l\u2019activit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Imaginez la tr\u00e9sorerie comme un r\u00e9servoir : une fois les besoins de fonctionnement assur\u00e9s (salaires, fournisseurs, imp\u00f4ts...), le surplus peut \u00eatre temporairement immobilis\u00e9 ou investi.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de choisir une solution de placement, identifiez bien d'o\u00f9 vient ce surplus d'argent en analysant votre&nbsp;<strong><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/\">tr\u00e9sorerie pr\u00e9visionnelle<\/a><\/strong>sur plusieurs mois. Cette \u00e9tape est essentielle car une tr\u00e9sorerie exc\u00e9dentaire peut aussi limiter l\u2019impact d\u2019une d\u00e9pense impr\u00e9vue sur vos flux de tr\u00e9sorerie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi placer sa tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Que ce soit de mani\u00e8re ponctuelle ou r\u00e9guli\u00e8re, placer votre&nbsp;<strong>tr\u00e9sorerie&nbsp;<\/strong>peut avoir plusieurs avantages :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>constituer une <strong>\u00e9pargne de pr\u00e9caution<\/strong> ;<\/li><li>percevoir une <strong>r\u00e9mun\u00e9ration<\/strong> ;<\/li><li>diminuer vos charges en b\u00e9n\u00e9ficiant de <strong>r\u00e9duction fiscale ;<\/strong><\/li><li>avoir un meilleur dossier pour les&nbsp;<strong>demandes de financement<\/strong>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A noter : une tr\u00e9sorerie trop \u00e9lev\u00e9e peut t\u00e9moigner d\u2019une gestion ou d'une politique d'investissement trop timide. A l'inverse, une tr\u00e9sorerie trop juste peut entra\u00eener pour l\u2019entreprise des agios, des frais bancaires... Une analyse fine de vosflux de tr\u00e9sorerie vous aide \u00e0 \u00e9viter ces situations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les crit\u00e8res \u00e0 prendre en compte avant de placer votre tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tous les placements ne conviennent pas \u00e0 toutes les entreprises. Chaque situation financi\u00e8re est unique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix de vos placements sera bien s\u00fbr en fonction de certaines contraintes r\u00e9glementaires (par ex. statut juridique et forme de soci\u00e9t\u00e9) et de votre strat\u00e9gie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est important d'analyser vos&nbsp;<strong>besoins <\/strong>et vos <strong>attentes<\/strong>. Tenir un <strong>tableau de tr\u00e9sorerie<\/strong>, vous aidera \u00e0 d\u00e9terminer :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le <strong>montant <\/strong>disponible \u00e0 placer,<\/li><li>la <strong>dur\u00e9e <\/strong>du placement : court (moins d'un an), moyen ou long terme.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix du placement ne doit pas se faire uniquement en terme de&nbsp;<strong>rendement<\/strong> (taux d'int\u00e9r\u00eat). Vous devez aussi tenir compte de vos besoins de tr\u00e9sorerie \u00e0 venir. Attention \u00e0 conserver suffisamment de<strong> liquidit\u00e9s <\/strong>pour :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>assurer le bon fonctionnement de votre activit\u00e9 courante ;<\/li><li>r\u00e9aliser vos projets d\u2019investissement d\u00e9j\u00e0 act\u00e9s ;<\/li><li>avoir un coussin de s\u00e9curit\u00e9 en cas d\u2019impr\u00e9vu.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est aussi n\u00e9cessaire de vous poser plusieurs questions, comme par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>quelle <strong>forme <\/strong>de placement choisir ? (compte, livret, plan...)<\/li><li>quelle <strong>dur\u00e9e<\/strong> ? (court, moyen, long terme ?)<\/li><li>quel est le <strong>niveau de risque<\/strong> de perte que vous \u00eates pr\u00eat \u00e0 prendre et en quelle proportion ? Avec une garantie totale ou partielle en capital ?<\/li><li>quelle<strong>&nbsp;fiscalit\u00e9<\/strong> ? Celle-ci peut impacter le rendement net ;<\/li><li>quels <strong>versements<\/strong> ? Ponctuels, r\u00e9guliers ? Quelle fr\u00e9quence ?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez enfin aux droits d\u2019entr\u00e9e, frais de gestion et aux \u00e9ventuelles p\u00e9nalit\u00e9s en cas de sortie anticip\u00e9e qui peuvent amputer le rendement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">O\u00f9 placer la tr\u00e9sorerie de votre entreprise ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe plusieurs solutions, class\u00e9es selon leur niveau de risque, de rendement et leur horizon de placement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1\/ Les placements financiers s\u00e9curis\u00e9s (risque faible)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/comptes-a-terme\/\">Le compte \u00e0 terme <\/a>(CAT)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Fonctionnement<\/strong> : blocage d\u2019un montant pendant une dur\u00e9e d\u00e9termin\u00e9e avec un taux fix\u00e9 \u00e0 l\u2019avance.<\/li><li><strong>Avantages<\/strong> : s\u00e9curit\u00e9, simplicit\u00e9, rendement connu \u00e0 l\u2019avance.<\/li><li><strong>Inconv\u00e9nients<\/strong> : pas de retrait possible avant l\u2019\u00e9ch\u00e9ance sans p\u00e9nalit\u00e9s.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/certificats-de-depot\/\"><strong>Les certificats de d\u00e9p\u00f4t<\/strong><\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00c9mis par des \u00e9tablissements financiers, ils offrent un rendement fixe pour une dur\u00e9e donn\u00e9e.<\/li><li>R\u00e9serv\u00e9s aux entreprises disposant de montants significatifs.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les livrets d\u2019\u00e9pargne d\u00e9di\u00e9s aux entreprises<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Taux g\u00e9n\u00e9ralement peu \u00e9lev\u00e9.<\/li><li>Disponibilit\u00e9 imm\u00e9diate des fonds.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2\/ Les placements financiers interm\u00e9diaires (risque mod\u00e9r\u00e9)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/opcvm-monetaires\/\">Les OPCVM mon\u00e9taires<\/a> ou obligataires<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>D\u00e9finition<\/strong> : Organismes de Placement Collectif en Valeurs Mobili\u00e8res. Ils regroupent l\u2019argent de plusieurs investisseurs pour l\u2019investir sur les march\u00e9s financiers.<\/li><li><strong>Objectif<\/strong> : offrir une meilleure rentabilit\u00e9 qu\u2019un CAT, tout en restant relativement prudents.<\/li><li><strong>Exemple<\/strong> : OPCVM mon\u00e9taire court terme.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Id\u00e9al si vous souhaitez une solution pour placer votre tr\u00e9sorerie \u00e0 moyen terme avec un risque mesur\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3\/ Les placements financiers dynamiques (risque plus \u00e9lev\u00e9)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/scpi\/\">SCPI<\/a> (Soci\u00e9t\u00e9s Civiles de Placement Immobilier)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Principe<\/strong> : investir indirectement dans l\u2019immobilier locatif.<\/li><li><strong>Rendement potentiel attractif<\/strong>, mais capital non garanti et liquidit\u00e9 plus faible.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les actions ou fonds actions<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00c0 r\u00e9server si votre entreprise est tr\u00e8s bien capitalis\u00e9e et capable d\u2019absorber les fluctuations du march\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Vous pouvez aussi choisir d'investir directement vos exc\u00e9dents de tr\u00e9sorerie dans le d\u00e9veloppement de votre entreprise :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>financer du mat\u00e9riel, \u00e9quipements, nouveaux locaux,<\/li><li>prendre des parts dans une soci\u00e9t\u00e9, racheter un concurrent,<\/li><li>lancer une nouvelle activit\u00e9, monter une nouvelle structure...<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A noter : afin de limiter les risques, il est crucial de <strong>diversifier <\/strong>vos placements. La stabilit\u00e9 financi\u00e8re, voire la <strong>p\u00e9rennit\u00e9 <\/strong>de l\u2019entreprise est en jeu. Rencontrez votre <strong>conseiller bancaire<\/strong> pour \u00e9tudier toutes les pistes avec lui. De bonnes relations avec votre <strong>banque<\/strong> peuvent faciliter vos projets \u00e0 moyen et <strong>long terme<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels risques \u00e9viter pour placer sa tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici quelques erreurs fr\u00e9quentes \u00e0 \u00e9viter pour sa tr\u00e9sorerie :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Tout placer sans garde-fou : il est en effet recommand\u00e9 de conserver un&nbsp;<strong>matelas de s\u00e9curit\u00e9<\/strong> \u00e9quivalant \u00e0 1 \u00e0 3 mois de charges fixes.<\/li><li>Choisir un produit sans comprendre son fonctionnement, les frais, etc.&nbsp;<\/li><li>N\u00e9gliger l\u2019impact fiscal : certains rendements peuvent \u00eatre lourdement tax\u00e9s selon la structure juridique de l\u2019entreprise.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant tout placement, faites valider votre strat\u00e9gie par votre&nbsp;<strong>expert-comptable<\/strong> ou votre <strong>conseiller bancaire<\/strong>. Ils pourront confirmer la compatibilit\u00e9 du placement avec le statut juridique de votre entreprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">En bref<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Placer la tr\u00e9sorerie de votre entreprise peut \u00eatre une d\u00e9marche judicieuse si elle est bien encadr\u00e9e. Voici les principaux points \u00e0 retenir :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>d\u00e9finissez<\/strong> clairement votre <strong>exc\u00e9dent de tr\u00e9sorerie<\/strong> et la <strong>dur\u00e9e du placement <\/strong>possible ;<\/li><li>choisissez des <strong>placements adapt\u00e9s \u00e0 votre profil de risque et \u00e0 votre horizon<\/strong> ;<\/li><li><strong>diversifiez vos placements <\/strong>pour limiter les risques ;<\/li><li><strong>faites-vous accompagner <\/strong>pour s\u00e9curiser vos d\u00e9cisions : prenez contact avec votre conseiller bancaire et votre expert comptable par exemple.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ sur le placement de tr\u00e9sorerie<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Qu'est-ce qu'un placement de tr\u00e9sorerie d'entreprise court terme ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un placement de tr\u00e9sorerie d\u2019entreprise \u00e0 court terme est un investissement temporaire des exc\u00e9dents de liquidit\u00e9s sur une dur\u00e9e g\u00e9n\u00e9ralement inf\u00e9rieure \u00e0 un an, visant \u00e0 g\u00e9n\u00e9rer un rendement tout en maintenant une forte s\u00e9curit\u00e9 et disponibilit\u00e9 des fonds.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Comment calculer l'exc\u00e9dent de tr\u00e9sorerie d'exploitation ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019exc\u00e9dent de tr\u00e9sorerie d\u2019exploitation (ETE) se calcule en ajoutant au r\u00e9sultat d\u2019exploitation les charges non d\u00e9caissables (comme les dotations aux amortissements) puis en retranchant la variation du besoin en fonds de roulement (BFR).&nbsp;(R\u00e9sultat d\u2019exploitation + Charges non d\u00e9caissables \u2013 Variation du BFR.)<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quelle comptabilisation pour l'exc\u00e9dent de tr\u00e9sorerie ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un exc\u00e9dent de tr\u00e9sorerie se comptabilise simplement comme une augmentation des disponibilit\u00e9s (compte 512). Ensuite, l\u2019entreprise peut d\u00e9cider de l\u2019affecter \u00e0 un placement court terme ou de le laisser en tr\u00e9sorerie selon ses besoins de liquidit\u00e9.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quelle est la diff\u00e9rence entre un exc\u00e9dent de tr\u00e9sorerie et un exc\u00e9dent de tr\u00e9sorerie d\u2019exploitation ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un exc\u00e9dent de tr\u00e9sorerie repr\u00e9sente l\u2019argent disponible total de l\u2019entreprise, tandis que l\u2019exc\u00e9dent de tr\u00e9sorerie d\u2019exploitation correspond uniquement \u00e0 la tr\u00e9sorerie g\u00e9n\u00e9r\u00e9e par l\u2019activit\u00e9 courante apr\u00e8s d\u00e9penses op\u00e9rationnelles.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quel est le contraire d'un exc\u00e9dent de tr\u00e9sorerie ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le contraire d\u2019un exc\u00e9dent de tr\u00e9sorerie est un <strong>d\u00e9ficit de tr\u00e9sorerie<\/strong>, qui survient lorsque les sorties de liquidit\u00e9s d\u00e9passent les entr\u00e9es, mettant l\u2019entreprise en manque de liquidit\u00e9s.<\/p>\n\n\n\n<div style=\"height:20px\" 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 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href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/compte-epargne-pro\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les placements<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Compte \u00e9pargne pro : quel fonctionnement et pourquoi l&#039;adopter ?<\/span>\n                <\/h3>\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\" 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Plusieurs solutions existent, mais comment choisir l'investissement adapt\u00e9 \u00e0 votre entreprise ? Avant toute d\u00e9cision, prenez le temps d\u2019analyser vos besoins, vos contraintes et vos objectifs financiers. Qu'est-ce qu'un exc\u00e9dent de tr\u00e9sorerie d'entreprise ? Une tr\u00e9sorerie exc\u00e9dentaire correspond \u00e0 l\u2019argent disponible [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":11924,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":561,"views":7576,"viewed_at":"1778495199","newsletter":"0","_yoast_wpseo_primary_category":102,"footnotes":""},"categories":[102,139],"tags":[],"class_list":["post-313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-de-tresorerie","category-les-placements"],"yoast_head":"<title>Comment valoriser mes exc\u00e9dents de tr\u00e9sorerie ? - Gestion de tr\u00e9sorerie - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"Vous avez une tr\u00e9sorerie exc\u00e9dentaire ? Ponctuelle ou r\u00e9guli\u00e8re ? 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