{"id":11668,"date":"2022-08-18T11:11:00","date_gmt":"2022-08-18T09:11:00","guid":{"rendered":"https:\/\/ipaidthat.io\/mag\/?p=11668"},"modified":"2026-01-05T14:43:53","modified_gmt":"2026-01-05T13:43:53","slug":"budget-de-tresorerie-les-6-etapes-indispensables","status":"publish","type":"post","link":"https:\/\/app.ipaidthat.io\/mag\/tresorerie\/budget-de-tresorerie-les-6-etapes-indispensables\/","title":{"rendered":"Budget de tr\u00e9sorerie : les 6 \u00e9tapes indispensables"},"content":{"rendered":"\n<p>Anticiper, contr\u00f4ler, piloter\u2026 Le budget de tr\u00e9sorerie constitue la base d\u2019une bonne gestion financi\u00e8re de l\u2019entreprise. Il vise \u00e0 recenser les encaissements et d\u00e9caissements pr\u00e9visionnels de liquidit\u00e9s afin d\u2019\u00e9valuer les <strong>besoins de tr\u00e9sorerie<\/strong> \u00e9ventuels ou de planifier des investissements avec l\u2019exc\u00e9dent de cash d\u00e9gag\u00e9.&nbsp;<\/p>\n\n\n\n<p>Toutes les entit\u00e9s, petites ou grandes, doivent appliquer une d\u00e9marche budg\u00e9taire et mener une r\u00e9flexion sur les objectifs \u00e0 atteindre. Comment \u00e9laborer un budget pr\u00e9visionnel de tr\u00e9sorerie&nbsp;? De l\u2019estimation du chiffre d\u2019affaires \u00e0 l\u2019analyse du business <strong>plan financier<\/strong>&nbsp;sur une ann\u00e9e, d\u00e9couvrez les \u00e9tapes indispensables.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Cr\u00e9ez un tableau pr\u00e9visionnel de tr\u00e9sorerie<\/h2>\n\n\n\n<p>La pr\u00e9vision de tr\u00e9sorerie des entreprises s\u2019effectue g\u00e9n\u00e9ralement sur un exercice comptable. Le <strong>budget<\/strong> se pr\u00e9sente sous la forme d\u2019un <strong>tableau<\/strong> faisant appara\u00eetre, dans chaque colonne, les 12&nbsp;mois de votre ann\u00e9e comptable (de janvier \u00e0 d\u00e9cembre ou encore de septembre \u00e0 ao\u00fbt).&nbsp;<\/p>\n\n\n\n<p>L\u2019int\u00e9r\u00eat d\u2019un tel d\u00e9coupage mensuel est d\u2019assurer un suivi d\u00e9taill\u00e9 du solde des disponibilit\u00e9s, en particulier en cas d\u2019activit\u00e9 saisonni\u00e8re. Si vous disposez d\u2019informations suffisantes, affiner le r\u00e9sultat de votre tr\u00e9sorerie par semaine renforce votre contr\u00f4le des \u00e9ch\u00e9ances et votre capacit\u00e9 d\u2019anticipation.<\/p>\n\n\n\n<p>Les <strong>lignes<\/strong> de votre tableau pr\u00e9visionnel mentionnent les diff\u00e9rents <strong>flux financiers <\/strong>entrants et sortants&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les encaissements\u00a0(chiffre d\u2019affaires TTC, subventions, emprunts, etc.)\u00a0;<\/li>\n\n\n\n<li>les d\u00e9caissements (achats, salaires, charges sociales, imp\u00f4ts et taxes\u2026)\u00a0;<\/li>\n\n\n\n<li>le montant de la tr\u00e9sorerie initiale\u00a0;<\/li>\n\n\n\n<li>le solde de tr\u00e9sorerie en fin de mois.<\/li>\n<\/ul>\n\n\n\n<p>Chaque mois, pensez \u00e0 reprendre le solde final du mois pr\u00e9c\u00e9dent pour comparer votre r\u00e9sultat \u00e0 celui de vos relev\u00e9s bancaires.<\/p>\n\n\n\n<p>L\u2019<strong>objectif du budget de tr\u00e9sorerie <\/strong>est de garantir une gestion efficace de votre argent. L\u2019id\u00e9al est de parvenir \u00e0 l\u2019<strong>\u00e9quilibre<\/strong> de telle sorte que les exc\u00e9dents de cash soient employ\u00e9s (placements) et les d\u00e9ficits de liquidit\u00e9s ma\u00eetris\u00e9s (recherche de financement)<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>iPaidThat <\/strong>peut vous aider \u00e0 g\u00e9rer vos budgets. <strong>Simple, rapide et efficace<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-center\">Nos robots suivent l&rsquo;ensemble de vos flux de tr\u00e9sorerie afin de les analyser et les reporter \u00e0 travers diff\u00e9rents tableaux graphiques, visuels et pr\u00e9cis. Vos donn\u00e9es financi\u00e8res veillent ainsi \u00e0 <strong>l&rsquo;\u00e9quilibre indispensable pour la sant\u00e9 de votre entreprise.<\/strong><\/p>\n\n\n<style>.elementor-17539 .elementor-element.elementor-element-7f3bc3f7{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:64px;--padding-bottom:64px;--padding-left:0px;--padding-right:0px;}.elementor-17539 .elementor-element.elementor-element-55bb28f8{--display:flex;--justify-content:center;--border-radius:24px 24px 24px 24px;box-shadow:0px 0px 86px 0px rgba(0, 0, 0, 0.09);--padding-top:48px;--padding-bottom:32px;--padding-left:32px;--padding-right:32px;}.elementor-17539 .elementor-element.elementor-element-55bb28f8:not(.elementor-motion-effects-element-type-background), .elementor-17539 .elementor-element.elementor-element-55bb28f8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2025\/11\/CTA-Essayez-gratuitement-Blog.png\");background-position:bottom right;background-repeat:no-repeat;background-size:contain;}.elementor-17539 .elementor-element.elementor-element-48b0a7c3 .elementor-heading-title{font-family:var( --e-global-typography-3c7fd7a-font-family ), Sans-serif;font-size:var( --e-global-typography-3c7fd7a-font-size );font-weight:var( --e-global-typography-3c7fd7a-font-weight );text-transform:var( --e-global-typography-3c7fd7a-text-transform );line-height:var( --e-global-typography-3c7fd7a-line-height );}.elementor-17539 .elementor-element.elementor-element-3595c75c .elementor-heading-title{font-family:\"Red Hat Display\", Sans-serif;font-size:35px;font-weight:700;line-height:40px;}.elementor-17539 .elementor-element.elementor-element-2e0a41e8 .elementor-button-content-wrapper{flex-direction:row-reverse;}@media(max-width:1366px){.elementor-17539 .elementor-element.elementor-element-7f3bc3f7{--padding-top:64px;--padding-bottom:64px;--padding-left:16px;--padding-right:16px;}.elementor-17539 .elementor-element.elementor-element-48b0a7c3 .elementor-heading-title{font-size:var( --e-global-typography-3c7fd7a-font-size );line-height:var( --e-global-typography-3c7fd7a-line-height );}}@media(max-width:1024px){.elementor-17539 .elementor-element.elementor-element-48b0a7c3 .elementor-heading-title{font-size:var( --e-global-typography-3c7fd7a-font-size );line-height:var( --e-global-typography-3c7fd7a-line-height );}}@media(max-width:767px){.elementor-17539 .elementor-element.elementor-element-55bb28f8{--min-height:475px;--justify-content:flex-start;}.elementor-17539 .elementor-element.elementor-element-55bb28f8:not(.elementor-motion-effects-element-type-background), .elementor-17539 .elementor-element.elementor-element-55bb28f8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-position:bottom right;background-repeat:no-repeat;background-size:700px auto;}.elementor-17539 .elementor-element.elementor-element-48b0a7c3 .elementor-heading-title{font-size:var( --e-global-typography-3c7fd7a-font-size );line-height:var( --e-global-typography-3c7fd7a-line-height );}}<\/style>\t\t<div data-elementor-type=\"container\" data-elementor-id=\"17539\" class=\"elementor elementor-17539\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f3bc3f7 e-flex e-con-boxed e-con e-parent\" data-id=\"7f3bc3f7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-dce-background-image-url=\"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2025\/11\/CTA-Essayez-gratuitement-Blog.png\" class=\"elementor-element elementor-element-55bb28f8 e-con-full e-flex e-con e-child\" data-id=\"55bb28f8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48b0a7c3 elementor-widget elementor-widget-heading\" data-id=\"48b0a7c3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Ne perdez plus une minute<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3595c75c elementor-widget elementor-widget-heading\" data-id=\"3595c75c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Essayez iPaidThat, c\u2019est<br>\ngratuit pendant 14 jours<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e0a41e8 elementor-widget elementor-widget-button\" data-id=\"2e0a41e8\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.ipaidthat.io\/signup?utm_source=blog&#038;utm_medium=article&#038;utm_campaign=blog_article&#038;utm_content=signup\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Je teste gratuitement<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n<h2 class=\"wp-block-heading\">2. D\u00e9terminez vos encaissements futurs<\/h2>\n\n\n\n<p>La premi\u00e8re ligne de tout plan de tr\u00e9sorerie correspond au <a href=\"https:\/\/ipaidthat.io\/mag\/featured\/le-chiffre-d-affaires-suivez-cet-indicateur-de-performance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>chiffre d\u2019affaires<\/strong><\/a><strong> TTC pr\u00e9visionnel <\/strong>de votre entreprise. Selon votre activit\u00e9, la premi\u00e8re \u00e9tape est d\u2019estimer le produit des ventes ou des prestations de services annuelles. Cette \u00e9valuation tient compte des donn\u00e9es de l\u2019ann\u00e9e pr\u00e9c\u00e9dente et de la conjoncture. Dans le cas d\u2019une cr\u00e9ation d\u2019entreprise, les projections, r\u00e9alis\u00e9es en fonction du secteur d\u2019activit\u00e9 et des parts de march\u00e9 convoit\u00e9es, servent de base au calcul de votre chiffre d\u2019affaires.<\/p>\n\n\n\n<p>Ne confondez pas <strong>budget de tr\u00e9sorerie <\/strong>et compte de r\u00e9sultat pr\u00e9visionnel. Vous ne souhaitez pas conna\u00eetre, dans le cas pr\u00e9sent, le b\u00e9n\u00e9fice futur de votre entreprise, mais la <strong>somme d\u2019argent disponible<\/strong> sur votre compte bancaire. Il est donc important de remplir le tableau suivant les <strong>d\u00e9lais de paiement<\/strong> de vos clients. Ainsi, une facture \u00e9mise fin mars et acquitt\u00e9e sous 30&nbsp;jours impacte positivement les recettes du mois d\u2019avril.&nbsp;<\/p>\n\n\n\n<p>La TVA fait l\u2019objet de deux lignes distinctes de votre budget&nbsp;: le cr\u00e9dit de TVA \u00e0 recevoir, pour les encaissements, et la TVA \u00e0 payer, pour les d\u00e9caissements. Les flux de tr\u00e9sorerie relatifs \u00e0 cette taxe d\u00e9pendent de votre <a href=\"https:\/\/www.impots.gouv.fr\/professionnel\/les-regimes-dimposition-la-tva\" target=\"_blank\" rel=\"noreferrer noopener\">r\u00e9gime d\u2019imposition<\/a>.&nbsp;<\/p>\n\n\n\n<p>Pour compl\u00e9ter vos entr\u00e9es et sorties d\u2019argent, vous devez \u00e9galement lister les \u00e9l\u00e9ments tels que&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les apports en capital\u00a0;<\/li>\n\n\n\n<li>les avances en compte courant d\u2019associ\u00e9\u00a0;<\/li>\n\n\n\n<li>les subventions\u00a0;<\/li>\n\n\n\n<li>les emprunts\u00a0;<\/li>\n\n\n\n<li>les produits de cession d\u2019actifs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. Pr\u00e9voyez vos d\u00e9caissements \u00e0 venir<\/h2>\n\n\n\n<p>Le budget de tr\u00e9sorerie comprend une seconde partie regroupant les <strong>pr\u00e9visions des d\u00e9penses<\/strong> \u00e0 r\u00e9aliser pour assurer la p\u00e9rennit\u00e9 et le d\u00e9veloppement de votre entreprise.<\/p>\n\n\n\n<p>L\u2019ensemble de vos <strong>achats<\/strong> de marchandises ou de mati\u00e8res premi\u00e8res est enregistr\u00e9 dans le tableau selon les modalit\u00e9s et les d\u00e9lais de paiement n\u00e9goci\u00e9s avec vos fournisseurs. Le r\u00e8glement d\u2019une facture re\u00e7ue en mai avec une date d\u2019exigibilit\u00e9 \u00e0 60&nbsp;jours s\u2019impute sur la tr\u00e9sorerie de juillet. Au contraire, une facture d\u2019avril, ayant fait l\u2019objet d\u2019un acompte de 30&nbsp;% en mars et \u00e0 payer \u00e0 r\u00e9ception, donne lieu \u00e0 deux r\u00e8glements&nbsp;: l&rsquo;un en mars et l&rsquo;autre en avril.<\/p>\n\n\n\n<p>Vos flux sortants comprennent aussi vos autres d\u00e9penses et charges financi\u00e8res ainsi que divers remboursements&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les frais g\u00e9n\u00e9raux (loyers, assurances, eau, \u00e9lectricit\u00e9, internet, etc.)\u00a0;<\/li>\n\n\n\n<li>les salaires et charges salariales\u00a0;<\/li>\n\n\n\n<li>le paiement des imp\u00f4ts et taxes\u00a0;<\/li>\n\n\n\n<li>les remboursements d\u2019emprunts ou d\u2019avances\u00a0;<\/li>\n\n\n\n<li>les investissements\u00a0;<\/li>\n\n\n\n<li>le versement des dividendes.<\/li>\n<\/ul>\n\n\n\n<p>Les \u00e9ch\u00e9ances de ces d\u00e9caissements sont en principe connues. R\u00e9f\u00e9rez-vous au bail pour votre loyer, \u00e0 vos contrats, ou encore au <a href=\"https:\/\/www.impots.gouv.fr\/professionnel\/calendrier-fiscal\" target=\"_blank\" rel=\"noreferrer noopener\">calendrier fiscal<\/a> pour construire votre budget de tr\u00e9sorerie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Calculez le solde de votre budget de tr\u00e9sorerie<\/h2>\n\n\n\n<p>Pour calculer le r\u00e9sultat pr\u00e9visionnel de la tr\u00e9sorerie nette de votre entreprise, la <strong>formule <\/strong>suivante&nbsp;est \u00e0 appliquer&nbsp;:&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\">Solde de tr\u00e9sorerie initiale ou de d\u00e9but de p\u00e9riode + encaissements de la p\u00e9riode &#8211;&nbsp;d\u00e9caissements de la p\u00e9riode = solde de tr\u00e9sorerie finale ou de fin de p\u00e9riode.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Comparez vos pr\u00e9visions aux chiffres r\u00e9els de votre activit\u00e9<\/h2>\n\n\n\n<p>Comparer les pr\u00e9visions effectu\u00e9es sous la forme d\u2019un budget de tr\u00e9sorerie ou d\u2019un business plan \u00e0 la tr\u00e9sorerie g\u00e9n\u00e9r\u00e9e par votre exploitation est essentiel.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vous mesurez ainsi votre capacit\u00e9 \u00e0 \u00e9valuer l\u2019activit\u00e9 de votre entreprise. Au fur et \u00e0 mesure des ann\u00e9es, votre exp\u00e9rience du terrain s\u2019am\u00e9liore et vos estimations s\u2019affinent.<\/li>\n\n\n\n<li>En rapprochant les donn\u00e9es de votre tableau \u00e0 celles de votre relev\u00e9 bancaire, vous pouvez r\u00e9ajuster vos projections et engagez les actions n\u00e9cessaires pour redresser la situation budg\u00e9taire sans tarder.<\/li>\n<\/ul>\n\n\n\n<p>L\u2019utilisation d\u2019outils de gestion tel un <a href=\"https:\/\/ipaidthat.io\/mag\/tresorerie\/comment-choisir-son-logiciel-de-tresorerie\/\" target=\"_blank\" rel=\"noreferrer noopener\">logiciel de tr\u00e9sorerie<\/a> en ligne facilite le pilotage de votre argent et les comparaisons entre objectifs pr\u00e9visionnels et position de votre compte en banque.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Analysez le solde de votre budget de tr\u00e9sorerie<\/h2>\n\n\n\n<p>Le budget de tr\u00e9sorerie est un <strong>outil de planification<\/strong> des liquidit\u00e9s. Les r\u00e9sultats obtenus orientent vos d\u00e9cisions en mati\u00e8re de disponibilit\u00e9s. L\u2019analyse porte sur le solde final, mais aussi sur chaque situation financi\u00e8re mensuelle.&nbsp;<\/p>\n\n\n\n<p>Une <strong>tr\u00e9sorerie nette n\u00e9gative<\/strong> indique que votre entreprise risque d\u2019\u00eatre en difficult\u00e9 et de se retrouver \u00e0 d\u00e9couvert. L\u2019inaction peut entra\u00eener une accumulation des commissions et autres frais bancaires susceptibles de creuser un peu plus votre d\u00e9ficit. \u00c0 l\u2019inverse, anticiper ces phases en n\u00e9gociant en amont des facilit\u00e9s de caisse ou des avances en compte courant d\u2019associ\u00e9 vous permet de ma\u00eetriser les co\u00fbts financiers.<\/p>\n\n\n\n<p>Une <strong>tr\u00e9sorerie nette positive<\/strong> est un signe de bonne sant\u00e9 financi\u00e8re pour l\u2019entreprise. N\u00e9anmoins, une gestion efficace ne s\u2019arr\u00eate pas \u00e0 ce simple constat. Avec cet exc\u00e9dent de cash, l\u2019entreprise peut r\u00e9aliser des placements rentables \u00e0 plus ou moins long terme ou repenser sa strat\u00e9gie de d\u00e9veloppement.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>L\u2019optimisation de la gestion de tr\u00e9sorerie est un enjeu majeur pour les entreprises. <a href=\"https:\/\/ipaidthat.io\/mag\/tresorerie\/comment-optimiser-la-gestion-de-la-tresorerie-d-une-entreprise\/\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9couvrez comment proc\u00e9der<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anticiper, contr\u00f4ler, piloter\u2026 Le budget de tr\u00e9sorerie constitue la base d\u2019une bonne gestion financi\u00e8re de l\u2019entreprise. Il vise \u00e0 recenser les encaissements et d\u00e9caissements pr\u00e9visionnels de liquidit\u00e9s afin d\u2019\u00e9valuer les besoins de tr\u00e9sorerie \u00e9ventuels ou de planifier des investissements avec l\u2019exc\u00e9dent de cash d\u00e9gag\u00e9.&nbsp; Toutes les entit\u00e9s, petites ou grandes, doivent appliquer une d\u00e9marche budg\u00e9taire [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":18789,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-11668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tresorerie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Budget de tr\u00e9sorerie : les 6 \u00e9tapes indispensables<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez nos conseils et les 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