{"id":544,"date":"2026-04-14T00:00:00","date_gmt":"2026-04-13T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/05\/09\/etablir-votre-plan-de-tresorerie-previsionnel\/"},"modified":"2026-04-15T12:13:00","modified_gmt":"2026-04-15T10:13:00","slug":"etablir-votre-plan-de-tresorerie-previsionnel","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/","title":{"rendered":"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Le plan de tr\u00e9sorerie pr\u00e9visionnel r\u00e9pertorie tous vos encaissements et d\u00e9caissements, r\u00e9alis\u00e9s ou \u00e0 venir, mois par mois. Il vous permet de calculer votre solde de tr\u00e9sorerie mensuel, de suivre l\u2019\u00e9quilibre financier de votre entreprise et d\u2019anticiper d\u2019\u00e9ventuelles difficult\u00e9s passag\u00e8res. Comment \u00e9laborer un plan de tr\u00e9sorerie pr\u00e9visionnel ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">En bref, pour construire un plan de tr\u00e9sorerie pr\u00e9visionnel<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>R\u00e9pertoriez mois par mois les flux financiers entrants et sortants<\/strong>, en tenant compte des d\u00e9lais de paiement, pour calculer le solde de tr\u00e9sorerie et anticiper les besoins ou exc\u00e9dents ;<\/li><li><strong>Restez r\u00e9aliste et modeste dans les estimations<\/strong> : \u00e9vitez un exc\u00e8s d\u2019optimisme sur les ventes ou recettes futures et privil\u00e9giez des pr\u00e9visions prudentes pour limiter les erreurs.<\/li><li><strong>Choisissez un horizon adapt\u00e9<\/strong> : g\u00e9n\u00e9ralement 12 mois pour les pr\u00e9visions op\u00e9rationnelles, ou jusqu\u2019\u00e0 3 ans pour les entreprises \u00e9tablies, afin de limiter les al\u00e9as financiers et conserver une visibilit\u00e9 r\u00e9aliste.<\/li><li><strong>Utilisez le plan comme outil de suivi et d\u2019anticipation<\/strong> : surveillez l\u2019\u00e9volution du solde mois par mois pour d\u00e9tecter d\u00e9ficits ou exc\u00e9dents, identifier les tensions de tr\u00e9sorerie, et d\u00e9cider d\u2019actions correctives ou d\u2019investissements.<\/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\">Qu'est-ce qu'un plan de tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>plan de tr\u00e9sorerie<\/strong> permet de calculer mois par mois l\u2019argent disponible sur l\u2019ensemble de vos comptes bancaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce \u00e0 cet outil financier vous pouvez pr\u00e9voir l\u2019\u00e9volution de votre tr\u00e9sorerie en :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>quantifiant vos besoins ;<\/li><li>anticipant les \u00e9ventuelles difficult\u00e9s ;<\/li><li>\u00e9valuant la capacit\u00e9 de votre entreprise \u00e0 financer son d\u00e9veloppement ;<\/li><li>v\u00e9rifiant que vous pourrez faire face aux p\u00e9riodes creuses en cas d\u2019activit\u00e9 saisonni\u00e8re.<\/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\">Prenez soin de ne pas pr\u00e9voir votre plan de tr\u00e9sorerie sur une dur\u00e9e trop longue, car plus l\u2019espace temps sera important, plus vous rencontrerez des al\u00e9as financiers qui viendront perturber votre tableau pr\u00e9visionnel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, restez modeste dans les estimations de vos ventes futures : trop d\u2019optimisme pourrait vous induire en erreur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment faire un plan de tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Premi\u00e8re r\u00e8gle \u00e0 retenir pour \u00e9tablir un plan de tr\u00e9sorerie : comptabilisez bien vos ventes et d\u00e9penses en TTC.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A partir du solde de votre compte bancaire en d\u00e9but de mois, \u00e9valuez vos <strong>encaissements<\/strong> et d\u00e9duisez-en vos charges sur la m\u00eame p\u00e9riode (d\u00e9caissements). Vous obtiendrez ainsi votre <strong>solde de tr\u00e9sorerie.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, n\u2019oubliez pas de tenir compte des <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/tpe-maitriser-ses-delais-de-paiement\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9lais de paiement <\/a>qui peuvent avoir une incidence sur vos encaissements et d\u00e9caissements et entrainer un <strong>d\u00e9calage de tr\u00e9sorerie.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019estimation au plus juste du montant et de la date des flux financiers entrants et sortants permettent d\u2019anticiper la position de tr\u00e9sorerie et une recherche de <strong>financement \u00e0 court terme <\/strong>(en cas de position n\u00e9gative) ou de <strong>solutions de placement<\/strong> (en cas de position positive).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est \u00e9galement l\u2019\u00e9volution de ce solde qu\u2019il est important de suivre mois apr\u00e8s mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de doute, vous pouvez contacter votre expert-comptable pour faire valider votre plan de tr\u00e9sorerie pr\u00e9visionnel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelques <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/tableau-tresorerie-previsionnel-annuel\/\" target=\"_blank\" rel=\"noreferrer noopener\">astuces<\/a> pour \u00e9laborer votre tableau de tr\u00e9sorerie pr\u00e9visionnel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels renseignements m'apporte le plan de tr\u00e9sorerie?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce document vous apporte plusieurs renseignements, si vous constatez :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>un <strong>d\u00e9ficit<\/strong>, et que celui-ci augmente de mois en mois, il se peut que ce soit le signe d\u2019un probl\u00e8me de tr\u00e9sorerie permanent et persistant dans la gestion de votre entreprise, voire un <strong>probl\u00e8me de<\/strong> <strong>rentabilit\u00e9<\/strong> de votre activit\u00e9,<\/li><li>un d\u00e9ficit, et que celui-ci n\u2019augmente pas, mais revient r\u00e9guli\u00e8rement, il se peut que vous ayez un <strong>manque de capitaux dans votre entreprise ;<\/strong><\/li><li>un simple <strong>d\u00e9ficit ponctuel<\/strong>, il peut s\u2019agir d\u2019un simple <strong>d\u00e9calage de tr\u00e9sorerie<\/strong>,<\/li><li>un <strong>exc\u00e9dent de tr\u00e9sorerie<\/strong> stable, il se peut que vous ayez bien adapt\u00e9 vos moyens financiers \u00e0 vos besoins, et donc il n\u2019appara\u00eet pas de <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-besoin-de-tresorerie\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>besoin de tr\u00e9sorerie<\/strong><\/a>,<\/li><li>un exc\u00e9dent de tr\u00e9sorerie en augmentation, il se peut que vous disposiez d\u2019une <strong>capacit\u00e9 d\u2019\u00e9pargne ou d\u2019investissement<\/strong> par autofinancement ou encore d\u2019augmentation des revenus vers\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<h3 class=\"wp-block-heading\">Plan de tr\u00e9sorerie pr\u00e9visionnel sur 3 ans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le fait d'\u00e9tablir un plan de tr\u00e9sorerie sur 3 ans, vous permet de voir \u00e0 plus long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est souvent pr\u00e9f\u00e9rable d'utiliser ce type de plan de tr\u00e9sorerie pr\u00e9visionnel pour les entreprises d\u00e9j\u00e0 existantes, qui sont moins sujettes \u00e0 des al\u00e9as financiers, manques de ventes, annulations de commandes, ... et donc un peu plus pr\u00e9visibles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle est la diff\u00e9rence entre budget et plan de tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le&nbsp;<strong>budget<\/strong> est pour vous un outil de pilotage qui vous permet d\u2019anticiper la <strong>rentabilit\u00e9 de votre entreprise sur une p\u00e9riode donn\u00e9e<\/strong>. Il vous aide \u00e0 estimer vos revenus, vos charges et vos investissements afin de savoir si votre activit\u00e9 sera globalement b\u00e9n\u00e9ficiaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l\u2019inverse, le <strong>plan de tr\u00e9sorerie<\/strong> vous sert \u00e0 suivre vos <strong>flux d\u2019argent r\u00e9els<\/strong>, c\u2019est-\u00e0-dire les encaissements et les d\u00e9caissements au moment o\u00f9 ils se produisent r\u00e9ellement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9sum\u00e9, le budget vous dit si votre entreprise est rentable sur le papier, tandis que le plan de tr\u00e9sorerie vous indique si vous avez suffisamment de cash pour faire face \u00e0 vos paiements au bon moment. Une activit\u00e9 peut donc \u00eatre rentable mais se retrouver en difficult\u00e9 si les encaissements arrivent trop tard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concr\u00e8tement, imaginez que vous dirigez une entreprise qui r\u00e9alise 10 000 \u20ac de ventes en janvier, avec 7 000 \u20ac de charges : votre budget montre une activit\u00e9 rentable. Cependant, si vos clients vous paient \u00e0 60 jours, vous n\u2019encaissez cet argent qu\u2019en mars. De votre c\u00f4t\u00e9, vous devez r\u00e9gler vos fournisseurs et vos salaires d\u00e8s f\u00e9vrier. Votre plan de tr\u00e9sorerie met alors en \u00e9vidence un manque de liquidit\u00e9s temporaire, malgr\u00e9 un budget positif. Cela signifie que, en tant que dirigeant, vous devez toujours regarder ces deux outils ensemble : le budget pour piloter la performance globale de votre entreprise, et le plan de tr\u00e9sorerie pour s\u00e9curiser votre capacit\u00e9 \u00e0 payer vos d\u00e9penses au quotidien.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle est la diff\u00e9rence entre plan de financement et plan de tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le plan de financement ou business plan se concentre sur la strat\u00e9gie financi\u00e8re \u00e0 long terme, tandis que le plan de tr\u00e9sorerie se focalise sur la gestion quotidienne des liquidit\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, le <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/\" target=\"_blank\" rel=\"noreferrer noopener\">plan de financement<\/a> :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>sert plut\u00f4t \u00e0 pr\u00e9voir les besoins de financement \u00e0 long terme de votre entreprise et les ressources n\u00e9cessaires pour les couvrir ;<\/li><li>est g\u00e9n\u00e9ralement \u00e9tabli sur plusieurs ann\u00e9es (souvent 3 \u00e0 5 ans) ;<\/li><li>comprend les investissements pr\u00e9vus, les sources de financement (emprunts, apports en capital), et les remboursements de dettes.<\/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 le plan de tr\u00e9sorerie pr\u00e9visionnel<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Comment articuler le plan de tr\u00e9sorerie avec le budget pr\u00e9visionnel et le compte de r\u00e9sultat pr\u00e9visionnel ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le budget et le compte de r\u00e9sultat pr\u00e9visionnel traduisent la performance \u00e9conomique, tandis que le plan de tr\u00e9sorerie en d\u00e9cline la r\u00e9alit\u00e9 des flux de liquidit\u00e9s en tenant compte des d\u00e9calages d\u2019encaissements et de paiements.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quel horizon retenir pour le plan (3 mois, 12 mois, 3 ans) ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019horizon d\u00e9pend du besoin : 12 mois glissants pour la visibilit\u00e9 annuelle, hebdomadaire\/mensuel pour le pilotage op\u00e9rationnel, et jusqu\u2019\u00e0 3 ans pour la strat\u00e9gie et les financements.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quelles alertes ou seuils critiques d\u00e9finir pour anticiper les tensions de tr\u00e9sorerie ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Fixer des seuils comme un solde minimum de tr\u00e9sorerie, un ratio encaissements\/d\u00e9caissements, ou un d\u00e9lai moyen de paiement clients afin de d\u00e9clencher des actions correctives avant la crise.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Comment \u00e9tablir mon plan de tr\u00e9sorerie pr\u00e9visionnel ?\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/mediateur-credit.banque-france.fr\/tpe-comment-bien-preparer-votre-demande-de-credit-de-tresorerie\" target=\"_blank\" rel=\"noreferrer noopener\">Fiche p\u00e9dagogique de l'Observatoire du financement aux entreprises \"TPE, comment bien pr\u00e9parer votre demande de cr\u00e9dit de tr\u00e9sorerie ?\"<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:63px\" 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            <\/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\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><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;:127,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/guide-besoin-tresorerie\/&quot;,&quot;title&quot;:&quot;Le besoin de tr\u00e9sorerie&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:47}\"\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=\"127\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/guide-besoin-tresorerie\/\"\n         data-title=\"Le besoin de tr\u00e9sorerie\">\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\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/guide-besoin-tresorerie\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le besoin de tr\u00e9sorerie<\/span>\n                <\/h3>\n                                <p class=\"card__article\">La tr\u00e9sorerie de votre entreprise est constitu\u00e9e du solde de votre compte bancaire et de l&#039;argent que vous avez dans vos caisses. Elle vous permet de payer les d\u00e9penses li\u00e9es (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" 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;:320,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/fonds-de-roulement-calcul\/&quot;,&quot;title&quot;:&quot;Comment calculer le Besoin en Fonds de Roulement (BFR) pour g\u00e9rer ma tr\u00e9sorerie ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-150x150.jpg&quot;,&quot;likes&quot;:13}\"\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=\"320\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/fonds-de-roulement-calcul\/\"\n         data-title=\"Comment calculer le Besoin en Fonds de Roulement (BFR) pour g\u00e9rer ma tr\u00e9sorerie ?\">\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\">4 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/fonds-de-roulement-calcul\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_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 ratios comptables<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment calculer le Besoin en Fonds de Roulement (BFR) pour g\u00e9rer ma tr\u00e9sorerie ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" 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;:322,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/calculer-votre-seuil-de-rentabilite\/&quot;,&quot;title&quot;:&quot;Calculer votre seuil de rentabilit\u00e9&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-150x150.jpg&quot;,&quot;likes&quot;:6}\"\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=\"322\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/calculer-votre-seuil-de-rentabilite\/\"\n         data-title=\"Calculer votre seuil de rentabilit\u00e9\">\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\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/calculer-votre-seuil-de-rentabilite\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_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 pr\u00e9visions financi\u00e8res<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Calculer votre seuil de rentabilit\u00e9<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" 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;:316,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-compte-de-resultat-previsionnel\/&quot;,&quot;title&quot;:&quot;Etablir votre compte de r\u00e9sultat pr\u00e9visionnel&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/compte-resultat-previ-_BD-150x150.jpg&quot;,&quot;likes&quot;:12}\"\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=\"316\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-compte-de-resultat-previsionnel\/\"\n         data-title=\"Etablir votre compte de r\u00e9sultat pr\u00e9visionnel\">\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\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-compte-de-resultat-previsionnel\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/compte-resultat-previ-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/compte-resultat-previ-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/compte-resultat-previ-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/compte-resultat-previ-_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 pr\u00e9visions financi\u00e8res<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Etablir votre compte de r\u00e9sultat pr\u00e9visionnel<\/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>Le plan de tr\u00e9sorerie pr\u00e9visionnel r\u00e9pertorie tous vos encaissements et d\u00e9caissements, r\u00e9alis\u00e9s ou \u00e0 venir, mois par mois. Il vous permet de calculer votre solde de tr\u00e9sorerie mensuel, de suivre l\u2019\u00e9quilibre financier de votre entreprise et d\u2019anticiper d\u2019\u00e9ventuelles difficult\u00e9s passag\u00e8res. Comment \u00e9laborer un plan de tr\u00e9sorerie pr\u00e9visionnel ? En bref, pour construire un plan de [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":1687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":12,"views":16544,"viewed_at":"1778494510","newsletter":"0","_yoast_wpseo_primary_category":129,"footnotes":""},"categories":[59,88,129],"tags":[],"class_list":["post-544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-creation-reprise","category-la-creation-dentreprise","category-les-previsions-financieres"],"yoast_head":"<title>Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l&#039;\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"Anticiper les tensions de tr\u00e9sorerie, gr\u00e2ce au plan de tr\u00e9sorerie pr\u00e9visionnel, calculer chaque mois vos encaissements et d\u00e9penses.\" \/>\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\/etablir-votre-plan-de-tresorerie-previsionnel\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l&#039;\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"og:description\" content=\"Anticiper les tensions de tr\u00e9sorerie, gr\u00e2ce au plan de tr\u00e9sorerie pr\u00e9visionnel, calculer chaque mois vos encaissements et d\u00e9penses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/\" \/>\n<meta property=\"og:site_name\" content=\"Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-13T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-15T10:13:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"bdurand\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"bdurand\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/\"},\"author\":{\"name\":\"bdurand\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\"},\"headline\":\"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ?\",\"datePublished\":\"2026-04-13T22:00:00+00:00\",\"dateModified\":\"2026-04-15T10:13:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/\"},\"wordCount\":1353,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-tresorerie-_BD.jpg\",\"articleSection\":[\"Cr\u00e9ation reprise\",\"La cr\u00e9ation d'entreprise\",\"Les pr\u00e9visions financi\u00e8res\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/\",\"name\":\"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-tresorerie-_BD.jpg\",\"datePublished\":\"2026-04-13T22:00:00+00:00\",\"dateModified\":\"2026-04-15T10:13:00+00:00\",\"description\":\"Anticiper les tensions de tr\u00e9sorerie, gr\u00e2ce au plan de tr\u00e9sorerie pr\u00e9visionnel, calculer chaque mois vos encaissements et d\u00e9penses.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-tresorerie-_BD.jpg\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-tresorerie-_BD.jpg\",\"width\":1024,\"height\":683,\"caption\":\"plan tr\u00e9sorerie\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-votre-plan-de-tresorerie-previsionnel\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#website\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/\",\"name\":\"Les cl\u00e9s de la banque - Entreprise\",\"description\":\"Les cl\u00e9s de la banque - Entreprise\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#organization\",\"name\":\"Les cl\u00e9s de la banque - Entreprise\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2-1.png\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2-1.png\",\"width\":150,\"height\":100,\"caption\":\"Les cl\u00e9s de la banque - Entreprise\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\",\"name\":\"bdurand\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"caption\":\"bdurand\"}}]}<\/script>","yoast_head_json":{"title":"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise","description":"Anticiper les tensions de tr\u00e9sorerie, gr\u00e2ce au plan de tr\u00e9sorerie pr\u00e9visionnel, calculer chaque mois vos encaissements et d\u00e9penses.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/","og_locale":"fr_FR","og_type":"article","og_title":"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise","og_description":"Anticiper les tensions de tr\u00e9sorerie, gr\u00e2ce au plan de tr\u00e9sorerie pr\u00e9visionnel, calculer chaque mois vos encaissements et d\u00e9penses.","og_url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/","og_site_name":"Les cl\u00e9s de la banque - Entreprise","article_published_time":"2026-04-13T22:00:00+00:00","article_modified_time":"2026-04-15T10:13:00+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD.jpg","type":"image\/jpeg"}],"author":"bdurand","twitter_card":"summary_large_image","twitter_misc":{"Written by":"bdurand","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/#article","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/"},"author":{"name":"bdurand","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa"},"headline":"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ?","datePublished":"2026-04-13T22:00:00+00:00","dateModified":"2026-04-15T10:13:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/"},"wordCount":1353,"publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#organization"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD.jpg","articleSection":["Cr\u00e9ation reprise","La cr\u00e9ation d'entreprise","Les pr\u00e9visions financi\u00e8res"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/","url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/","name":"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/#primaryimage"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD.jpg","datePublished":"2026-04-13T22:00:00+00:00","dateModified":"2026-04-15T10:13:00+00:00","description":"Anticiper les tensions de tr\u00e9sorerie, gr\u00e2ce au plan de tr\u00e9sorerie pr\u00e9visionnel, calculer chaque mois vos encaissements et d\u00e9penses.","breadcrumb":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/#primaryimage","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD.jpg","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD.jpg","width":1024,"height":683,"caption":"plan tr\u00e9sorerie"},{"@type":"BreadcrumbList","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.lesclesdelabanque.com\/entreprise\/"},{"@type":"ListItem","position":2,"name":"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l'\u00e9tablir ?"}]},{"@type":"WebSite","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#website","url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/","name":"Les cl\u00e9s de la banque - Entreprise","description":"Les cl\u00e9s de la banque - Entreprise","publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lesclesdelabanque.com\/entreprise\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#organization","name":"Les cl\u00e9s de la banque - Entreprise","url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/logo\/image\/","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2-1.png","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2-1.png","width":150,"height":100,"caption":"Les cl\u00e9s de la banque - Entreprise"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa","name":"bdurand","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","caption":"bdurand"}}]}},"_links":{"self":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/posts\/544","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/comments?post=544"}],"version-history":[{"count":0,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/posts\/544\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/media\/1687"}],"wp:attachment":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/media?parent=544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/categories?post=544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/tags?post=544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}