{"id":357,"date":"2025-12-08T00:00:00","date_gmt":"2025-12-07T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/19\/les-comptes-a-terme-cat\/"},"modified":"2026-02-11T15:14:22","modified_gmt":"2026-02-11T13:14:22","slug":"comptes-a-terme","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/comptes-a-terme\/","title":{"rendered":"Les comptes \u00e0 terme (CAT) : un placement s\u00e9curis\u00e9 pour la tr\u00e9sorerie de mon entreprise ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous cherchez une solution fiable pour placer la tr\u00e9sorerie exc\u00e9dentaire de votre entreprise, en minimisant les risques ? Le compte \u00e0 terme peut r\u00e9pondre \u00e0 cet objectif. Il permet de bloquer une somme d\u2019argent sur une dur\u00e9e d\u00e9finie en \u00e9change d\u2019un taux d\u2019int\u00e9r\u00eat connu \u00e0 l\u2019avance. Quels sont les avantages et limites ? Quelle r\u00e9mun\u00e9ration et quelle fiscalit\u00e9 sur un compte \u00e0 terme professionnel ?<\/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 compte \u00e0 terme pour entreprise ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>compte \u00e0 terme (CAT)<\/strong> est un produit d\u2019\u00e9pargne bancaire qui permet de <strong>placer une somme d\u2019argent pour une dur\u00e9e fixe<\/strong>, convenue \u00e0 l\u2019avance, en \u00e9change d\u2019un <strong>taux d\u2019int\u00e9r\u00eat d\u00e9termin\u00e9 d\u00e8s l\u2019ouverture<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Imaginez un coffre dans lequel vous d\u00e9posez une partie de votre tr\u00e9sorerie pendant une p\u00e9riode donn\u00e9e. En \u00e9change, la banque vous verse des int\u00e9r\u00eats \u00e0 la fin du contrat.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il s\u2019agit d\u2019un <strong>placement \u00e0 capital garanti<\/strong>, sans exposition directe aux march\u00e9s financiers, ce qui en fait une solution privil\u00e9gi\u00e9e si vous cherchez un placement qui offre <strong>s\u00e9curit\u00e9 et pr\u00e9visibilit\u00e9<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne un compte \u00e0 terme ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Principe de base :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vous d\u00e9posez une somme d'argent sur un&nbsp;<strong>compte bloqu\u00e9<\/strong> pour une dur\u00e9e d\u00e9termin\u00e9e \u00e0 la souscription ;<\/li><li>le <strong>taux d\u2019int\u00e9r\u00eat est fix\u00e9 \u00e0 l\u2019avance<\/strong> : il peut \u00eatre <strong>fixe<\/strong> ou <strong>progressif<\/strong> selon les offres ;<\/li><li>\u00e0 l\u2019\u00e9ch\u00e9ance, vous r\u00e9cup\u00e8rez le capital investi <strong>augment\u00e9 des int\u00e9r\u00eats bruts<\/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\"><strong>Dur\u00e9e :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>elle varie g\u00e9n\u00e9ralement de <strong>1 mois \u00e0 5 ans ;<\/strong><\/li><li>plus la dur\u00e9e est longue, plus le <strong>taux propos\u00e9 est \u00e9lev\u00e9<\/strong> (en principe).<\/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\"><strong>Retrait anticip\u00e9 :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>en cas de sortie avant l\u2019\u00e9ch\u00e9ance, une&nbsp;<strong>p\u00e9nalit\u00e9 sur les int\u00e9r\u00eats<\/strong> ou un <strong>rendement r\u00e9duit <\/strong>est g\u00e9n\u00e9ralement appliqu\u00e9 ;<\/li><li>certaines banques peuvent proposer des <strong>comptes \u00e0 terme avec sorties partielles possibles<\/strong>, sous conditions.<\/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\">Pour en savoir plus : contactez votre conseiller bancaire. Selon votre situation, il vous proposera la solution qui vous conviendra le mieux.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les avantages d\u2019un compte \u00e0 terme entreprise ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte \u00e0 terme est une solution de placement qui pr\u00e9sente plusieurs avantages :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>s\u00e9curit\u00e9 du capital : <\/strong>le capital plac\u00e9 est <strong>garanti<\/strong> par la banque. Pas d\u2019exposition aux fluctuations de march\u00e9 et donc pas de risque de perte ;<\/li><li><strong>rendement connu \u00e0 l\u2019avance : <\/strong>le taux est fix\u00e9 au moment de la souscription. Cela facilite votre <strong>gestion budg\u00e9taire ;<\/strong><\/li><li><strong>simplicit\u00e9 de gestion : <\/strong>pas besoin de suivi r\u00e9gulier ou de connaissances financi\u00e8res sp\u00e9cifiques pour g\u00e9rer le compte \u00e0 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<h3 class=\"wp-block-heading\">Quels sont les inconv\u00e9nients de ce type de placement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, le compte \u00e0 terme a ses limites :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>manque de liquidit\u00e9 : <\/strong>les fonds sont bloqu\u00e9s. Attention \u00e0 garder de l'argent disponible en cas de besoin \u00e0 court terme ;<\/li><li><strong>rendement limit\u00e9 : <\/strong>le rendement reste mod\u00e9r\u00e9, surtout en p\u00e9riode de taux bas ;<\/li><li><strong>possibilit\u00e9 de p\u00e9nalit\u00e9s en cas de retrait anticip\u00e9 : <\/strong>une sortie avant l\u2019\u00e9ch\u00e9ance peut entra\u00eener la perte d\u2019une partie des int\u00e9r\u00eats.<\/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<h3 class=\"wp-block-heading\">Comment choisir son compte \u00e0 terme ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de souscrire, il est conseill\u00e9 de comparer plusieurs offres en tenant compte des crit\u00e8res suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>montant minimum<\/strong> : certaines banques exigent un seuil d\u2019entr\u00e9e (ex. 5 000 ou 10 000 \u20ac) ;<\/li><li><strong>dur\u00e9e du blocage<\/strong> : la dur\u00e9e minimum du placement est fix\u00e9e \u00e0 l'avance, et selon les \u00e9tablissements, elle est g\u00e9n\u00e9ralement propos\u00e9e sur 1, 3, 6 ou 12 mois mais peut \u00eatre conclue pour plusieurs ann\u00e9es voire \u00eatre renouvelable ;<\/li><li><strong>taux propos\u00e9<\/strong> : fixe ou progressif, brut ou net. On parle souvent de taux actuariel annuel brut pour les CAT ;<\/li><li><strong>conditions de sortie anticip\u00e9e<\/strong> : avec ou sans p\u00e9nalit\u00e9s ;<\/li><li><strong>modalit\u00e9s de versement des int\u00e9r\u00eats<\/strong> : en fin de contrat ou chaque ann\u00e9e.<\/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<h3 class=\"wp-block-heading\">Le compte \u00e0 terme est-il imposable ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consid\u00e9r\u00e9s comme <strong>des produits financiers, <\/strong>les int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par un compte \u00e0 terme sont&nbsp;soumis \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>l\u2019imp\u00f4t sur les soci\u00e9t\u00e9s (IS)<\/strong> pour les soci\u00e9t\u00e9s soumises \u00e0 ce r\u00e9gime ;<\/li><li><strong>l\u2019imp\u00f4t sur le revenu (IR)<\/strong> pour les entreprises individuelles, selon la tranche marginale d\u2019imposition ;<\/li><li>aux <strong>pr\u00e9l\u00e8vements sociaux<\/strong>, selon le statut juridique.<\/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\">Consultez votre <strong>expert-comptable<\/strong> pour bien anticiper l\u2019impact fiscal sur le r\u00e9sultat de votre entreprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Combien de comptes \u00e0 terme peut-on avoir ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Iln\u2019existe pas de limite l\u00e9gale au nombre de comptes \u00e0 terme. Vous pouvez ouvrir&nbsp;autant de comptes \u00e0 terme que vous le souhaitez, \u00e0 condition que :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>chaque compte respecte les <strong>conditions sp\u00e9cifiques n\u00e9goci\u00e9es avec l\u2019\u00e9tablissement bancaire<\/strong> (dur\u00e9e, montant, taux) ;<\/li><li>les montants plac\u00e9s proviennent de <strong>fonds propres disponibles<\/strong> (exc\u00e9dents de tr\u00e9sorerie) ;<\/li><li><strong>vous respectiez les obligations comptables et fiscales<\/strong> li\u00e9es \u00e0 ces placements.<\/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\">Ouvrir plusieurs types de CAT peut avoir un int\u00e9r\u00eat strat\u00e9gique :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>\u00e9chelonner les dates d\u2019\u00e9ch\u00e9ance<\/strong> pour garder de la liquidit\u00e9 \u00e0 diff\u00e9rents moments, ce qu'on appelle la \"strat\u00e9gie de l\u2019\u00e9chelle\" ou \"laddering\" ;<\/li><li><strong>diversifier les offres<\/strong> si plusieurs \u00e9tablissements proposent des taux ou conditions diff\u00e9rentes ;<\/li><li><strong>adapter les dur\u00e9es au besoin de tr\u00e9sorerie<\/strong> (ex : un CAT de 3 mois, un autre de 12 mois, etc.).<\/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\">Cette pratique requiert toutefois de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>suivre rigoureusement la gestion des CAT ouverts<\/strong> : dates d\u2019\u00e9ch\u00e9ance, int\u00e9r\u00eats per\u00e7us, fiscalit\u00e9 ;<\/li><li>documenter chaque compte dans la comptabilit\u00e9 de votre entreprise, notamment pour le&nbsp;<strong>traitement des produits financiers<\/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<h3 class=\"wp-block-heading\">Compte \u00e0 terme ou autre placement court terme : comment choisir ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte \u00e0 terme se compare avantageusement \u00e0 d\u2019autres placements s\u00e9curis\u00e9s, comme le :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>livret pro ou compte \u00e9pargne pro<\/strong>&nbsp;: plus liquide mais souvent moins r\u00e9mun\u00e9rateur ;<\/li><li><strong>fonds mon\u00e9taire <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/opcvm-monetaires\/\">OPCVM<\/a><\/strong> : plus liquide, mais rendement non garanti ;<\/li><li><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/certificats-de-depot\/\"><strong>certificat de d\u00e9p\u00f4t<\/strong> <\/a>: r\u00e9serv\u00e9 aux gros montants.<\/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\">Il est souvent recommand\u00e9 de <strong>diversifier<\/strong> ses placements : une partie en compte \u00e0 terme - CAT pour la stabilit\u00e9, une autre en placement plus liquide pour garder de la souplesse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c0 retenir : faut-il ouvrir un compte \u00e0 terme pour placer sa tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte \u00e0 terme constitue un outil simple, transparent et s\u00e9curis\u00e9 pour <strong>faire<a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/placer-tresorerie\/\"> fructifier un exc\u00e9dent de tr\u00e9sorerie<\/a><\/strong>temporairement inutilis\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les points cl\u00e9s \u00e0 retenir :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le capital est bloqu\u00e9 pendant une dur\u00e9e convenue \u00e0 l\u2019avance ;<\/li><li>le taux d\u2019int\u00e9r\u00eat est connu d\u00e8s le d\u00e9part et garanti \u00e0 l\u2019\u00e9ch\u00e9ance ;<\/li><li>id\u00e9al si vous avez une tr\u00e9sorerie stable et pr\u00e9visible ;<\/li><li>il est important de comparer les offres et de v\u00e9rifier la fiscalit\u00e9 applicable.<\/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<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes sur les comptes \u00e0 terme<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Quelle diff\u00e9rence entre un Compte \u00e0 terme (CAT) et un D\u00e9p\u00f4t \u00e0 termet (DAT) ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte \u00e0 terme ou un d\u00e9p\u00f4t \u00e0 terme sont deux mani\u00e8res diff\u00e9rentes de d\u00e9signer la m\u00eame chose. Il s'agit du m\u00eame prpduit d'\u00e9pargne mais vu sous un angle diff\u00e9rent.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Existe-t-il des comptes \u00e0 terme pour les particuliers ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-a-terme-cat\/\" target=\"_blank\" rel=\"noreferrer noopener\">comptes \u00e0 terme (CAT)<\/a> existent aussi pour les particuliers.&nbsp;Ils fonctionnent sur le m\u00eame principe que pour les entreprises.<\/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 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Le compte \u00e0 terme peut r\u00e9pondre \u00e0 cet objectif. Il permet de bloquer une somme d\u2019argent sur une dur\u00e9e d\u00e9finie en \u00e9change d\u2019un taux d\u2019int\u00e9r\u00eat connu \u00e0 l\u2019avance. Quels sont les avantages et limites ? 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