{"id":445,"date":"2025-01-11T00:00:00","date_gmt":"2025-01-10T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/06\/la-cotation-banque-de-france\/"},"modified":"2025-02-14T16:52:24","modified_gmt":"2025-02-14T14:52:24","slug":"la-cotation-banque-de-france","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/la-cotation-banque-de-france\/","title":{"rendered":"La cotation Banque de France : comment \u00e7a marche ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Calcul\u00e9e par des analystes financiers sur la base de donn\u00e9es quantitatives et qualitatives, la cotation Banque de France de votre entreprise vous est transmise une fois par an. A quoi sert-elle exactement et pourquoi y pr\u00eater attention ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A quoi sert cette cotation ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La Banque de France cote l\u2019ensemble des entreprises non financi\u00e8res dont le chiffre d\u2019affaires est sup\u00e9rieur \u00e0 1 250K\u20ac. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00e9tablissements de cr\u00e9dit utilisent cette cotation pour \u00e9valuer les risques associ\u00e9s aux cr\u00e9dits qu\u2019ils accordent aux entreprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concernant votre entreprise, elle vous permet de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>avoir une <strong>appr\u00e9ciation objective et ind\u00e9pendante<\/strong> de votre <strong>situation financi\u00e8re<\/strong> et de votre <strong>capacit\u00e9 \u00e0 emprunter<\/strong> \u00e0 court et moyen terme&nbsp;;<\/li><li>dialoguer en toute connaissance avec votre <strong>conseiller bancaire<\/strong> ou vos investisseurs lors d\u2019une demande de financement.<\/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\">La cotation Banque de France est reconnue par la Banque centrale europ\u00e9enne et par l\u2019Autorit\u00e9 bancaire europ\u00e9enne.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A savoir : un indicateur est \u00e9galement attribu\u00e9 par la Banque de France aux dirigeants (repr\u00e9sentant l\u00e9gal) de personnes morales et aux entrepreneurs individuels : l'indicateur dirigeant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment lire votre cotation Banque de France ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La cotation Banque de France est compos\u00e9e d\u2019une lettre suivie d\u2019un chiffre, par exemple \u00ab B3 \u00bb :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la <strong>lettre<\/strong> de A \u00e0 N \u00e9value la <strong>c\u00f4te d\u2019activit\u00e9<\/strong> de votre entreprise, selon son <strong>chiffre d\u2019affaires<\/strong> (de A \u00e0 K) ou \u00e0 d\u00e9faut, selon l\u2019avanc\u00e9e de votre activit\u00e9. N pour une entreprise en cours de cr\u00e9ation, X quand le chiffre d\u2019affaires est inconnu ou trop ancien\u2026<\/li><li>le <strong>chiffre <\/strong>de 1 \u00e0 8 \u00e9value la<strong> c\u00f4te de cr\u00e9dit<\/strong>, c\u2019est-\u00e0-dire la <strong>capacit\u00e9<\/strong> de l\u2019entreprise <strong>\u00e0 rembourser<\/strong> d\u2019ici 1 \u00e0 3 ans. Ce chiffre peut \u00eatre suivi d\u2019un + ou d\u2019un -. (1+ \u00e9tant la meilleure note, et 8- la moins bonne). Le 0 est utilis\u00e9 en l\u2019absence d\u2019information et le P si l\u2019entreprise est d\u00e9faillante.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment \u00e9volue votre cotation  ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Votre cotation Banque de France \u00e9volue tout long de la vie de votre entreprise. Elle repose sur plusieurs \u00e9l\u00e9ments cl\u00e9s comme les :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>chiffre d'affaires<\/strong>&nbsp;;<\/li><li><strong>incidents de paiement<\/strong> rencontr\u00e9s&nbsp;;<\/li><li><strong>cr\u00e9dits<\/strong> <strong>accord\u00e9s<\/strong>&nbsp;;<\/li><li><strong>cr\u00e9dits<\/strong> <strong>rembours\u00e9s<\/strong>&nbsp;;<\/li><li><strong>informations juridiques ou judiciaires<\/strong> (par exemple proc\u00e9dure collective\u2026)&nbsp;;<\/li><li><strong>documents comptables<\/strong> : bilan, comptes de r\u00e9sultats\u2026<\/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\">Ces informations sont fournies par vous-m\u00eame et\/ou collect\u00e9es aupr\u00e8s de diff\u00e9rents organismes comme l\u2019INSEE, les tribunaux de commerce, judiciaires, les banques, les acteurs de financement des entreprises\u2026<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Vous estimez que la cotation attribu\u00e9e \u00e0 votre entreprise ne refl\u00e8te pas la r\u00e9alit\u00e9 ? Vous pouvez contacter la succursale de la Banque de France du si\u00e8ge social de votre entreprise. A votre rendez-vous, apportez tous les \u00e9l\u00e9ments dont vous disposez. Vous pouvez vous y faire accompagner par votre expert-comptable.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"La cotation Banque de France : comment \u00e7a marche ?\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.banque-france.fr\/fr\/a-votre-service\/entreprises\/comprendre-cotation-indicateur-dirigeant\">Comprendre la cotation et l\u2019indicateur dirigeant (banque-france.fr)<\/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                                                            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class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/la-facilite-de-caisse\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/06\/facilite-caisse-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/06\/facilite-caisse-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/06\/facilite-caisse-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/06\/facilite-caisse-_BD.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 cr\u00e9dits de tr\u00e9sorerie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">La facilit\u00e9 de caisse<\/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\" 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>Calcul\u00e9e par des analystes financiers sur la base de donn\u00e9es quantitatives et qualitatives, la cotation Banque de France de votre entreprise vous est transmise une fois par an. A quoi sert-elle exactement et pourquoi y pr\u00eater attention ? A quoi sert cette cotation ? La Banque de France cote l\u2019ensemble des entreprises non financi\u00e8res dont [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":2478,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":22752,"viewed_at":"1778494150","newsletter":"0","_yoast_wpseo_primary_category":157,"footnotes":""},"categories":[157,107],"tags":[],"class_list":["post-445","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avant-demprunter","category-les-financements"],"yoast_head":"<title>La cotation Banque de France : comment \u00e7a marche ? - Avant d&#039;emprunter - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"La cotation Banque de France de votre entreprise vous permet d&#039;avoir une appr\u00e9ciation objective de votre situation financi\u00e8re...\" \/>\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\/la-cotation-banque-de-france\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La cotation Banque de France : comment \u00e7a marche ? 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