{"id":11681,"date":"2022-08-23T10:10:00","date_gmt":"2022-08-23T08:10:00","guid":{"rendered":"https:\/\/ipaidthat.io\/mag\/?p=11681"},"modified":"2026-01-05T14:32:52","modified_gmt":"2026-01-05T13:32:52","slug":"plan-de-tresorerie-sa-conception-en-integralite","status":"publish","type":"post","link":"https:\/\/app.ipaidthat.io\/mag\/tresorerie\/plan-de-tresorerie-sa-conception-en-integralite\/","title":{"rendered":"Plan de tr\u00e9sorerie\u00a0: sa conception en int\u00e9gralit\u00e9"},"content":{"rendered":"\n<p>\u00c0 tous les cr\u00e9ateurs d\u2019entreprise, le plan de tr\u00e9sorerie est votre meilleur alli\u00e9 dans la gestion de votre argent&nbsp;! Document financier <strong>pr\u00e9visionnel<\/strong> pr\u00e9sent\u00e9 sous forme de tableau, il synth\u00e9tise vos encaissements et d\u00e9caissements futurs, sur une p\u00e9riode de 12&nbsp;mois. Cet <strong>outil de pilotage<\/strong> de vos flux financiers vous offre une vision claire de vos ressources et de vos besoins en liquidit\u00e9s.&nbsp;<\/p>\n\n\n\n<p>Comment \u00e9laborer votre plan de tr\u00e9sorerie&nbsp;? Pourquoi est-il utile de le construire, voire indispensable pour la gestion comptable votre entreprise&nbsp;? D\u00e9couvrez en int\u00e9gralit\u00e9 ses \u00e9tapes de cr\u00e9ation et son int\u00e9r\u00eat en mati\u00e8re de contr\u00f4le de vos disponibilit\u00e9s financi\u00e8res.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00c9valuez les ressources de votre entreprise<\/strong><\/h2>\n\n\n\n<p>La premi\u00e8re \u00e9tape, pour \u00e9tablir un plan de tr\u00e9sorerie, est de d\u00e9terminer votre <strong>chiffre d\u2019affaires pr\u00e9visionnel <\/strong>TTC sur l\u2019ann\u00e9e \u00e0 venir.&nbsp;<\/p>\n\n\n\n<p>Pour rappel, la d\u00e9finition du chiffre d\u2019affaires correspond au r\u00e9sultat du produit suivant&nbsp;: Prix de vente unitaire x quantit\u00e9s vendues.<\/p>\n\n\n\n<p>Pour obtenir une estimation fiable de vos recettes futures, plusieurs <strong>m\u00e9thodes d\u2019\u00e9valuation<\/strong> existent et peuvent \u00eatre combin\u00e9es&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la m\u00e9thode dite \u00ab\u00a0des r\u00e9f\u00e9rentiels\u00a0\u00bb consiste \u00e0 analyser les documents comptables (bilan et compte de r\u00e9sultat publi\u00e9s) et autres donn\u00e9es chiffr\u00e9es de la concurrence\u00a0;<\/li>\n\n\n\n<li>la m\u00e9thode des intentions d\u2019achats se base sur le questionnement de potentiels clients sur leurs besoins et leurs habitudes d\u2019achat\u00a0;<\/li>\n\n\n\n<li>la m\u00e9thode des objectifs et des parts de march\u00e9 a pour but de vous aider \u00e0 situer votre entreprise dans un secteur d\u2019activit\u00e9 et une zone g\u00e9ographique d\u00e9finis\u00a0;<\/li>\n\n\n\n<li>la m\u00e9thode op\u00e9rationnelle est un test grandeur nature de votre projet, r\u00e9alis\u00e9 gr\u00e2ce au statut de micro-entreprise ou au portage salarial.<\/li>\n<\/ul>\n\n\n\n<p>Les ressources de votre entreprise ne se limitent pas \u00e0 votre seul <a href=\"https:\/\/ipaidthat.io\/mag\/featured\/le-chiffre-d-affaires-suivez-cet-indicateur-de-performance\/\" target=\"_blank\" rel=\"noreferrer noopener\">chiffre d\u2019affaires<\/a>. D\u2019autres sources de revenus peuvent figurer dans votre plan pr\u00e9visionnel de tr\u00e9sorerie&nbsp;au niveau des encaissements&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 d\u2019investissement\u00a0;<\/li>\n\n\n\n<li>les produits financiers li\u00e9s \u00e0 des placements\u00a0;<\/li>\n\n\n\n<li>les emprunts\u00a0;<\/li>\n\n\n\n<li>les remboursements du cr\u00e9dit de TVA, en particulier en d\u00e9but d\u2019exercice.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Estimez les emplois de tr\u00e9sorerie de votre activit\u00e9<\/strong><\/h2>\n\n\n\n<p>L\u2019autre partie de votre plan de tr\u00e9sorerie concerne les <strong>d\u00e9caissements pr\u00e9visionnels<\/strong>. Vous pouvez lister vos d\u00e9penses selon plusieurs cat\u00e9gories&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les investissements n\u00e9cessaires \u00e0 la cr\u00e9ation d\u2019entreprise et au d\u00e9veloppement de votre exploitation (immobilisations)\u00a0;<\/li>\n\n\n\n<li>les<strong> achats <\/strong>de marchandises ou de consommables aupr\u00e8s de vos fournisseurs\u00a0;<\/li>\n\n\n\n<li>les charges fixes, comme le loyer, les primes d\u2019assurance, les d\u00e9penses d\u2019\u00e9nergie\u00a0et de communication\u00a0;<\/li>\n\n\n\n<li>les salaires et autres charges salariales\u00a0;<\/li>\n\n\n\n<li>les frais divers et honoraires\u00a0;<\/li>\n\n\n\n<li>les d\u00e9caissements li\u00e9s \u00e0 vos<strong> ressources<\/strong>\u00a0(remboursement d\u2019emprunt ou d\u2019avance en compte courant, versement de dividendes\u2026)\u00a0;<\/li>\n\n\n\n<li>les imp\u00f4ts et taxes\u00a0: CFE, TVA \u00e0 payer, imp\u00f4ts sur les soci\u00e9t\u00e9s, etc.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Construisez votre plan de tr\u00e9sorerie pr\u00e9visionnel sous forme de tableau<\/strong><\/h2>\n\n\n\n<p>Pour \u00e9laborer votre business plan, vous pouvez t\u00e9l\u00e9charger un <strong>mod\u00e8le de plan de tr\u00e9sorerie Excel<\/strong> en ligne. Ce tableau comporte deux parties&nbsp;qui repr\u00e9sentent les entr\u00e9es et les sorties d\u2019argent pr\u00e9vues chaque mois. En bas du tableau, une troisi\u00e8me partie indique le solde de tr\u00e9sorerie calcul\u00e9 par diff\u00e9rence entre<strong> encaissements <\/strong>et <strong>d\u00e9caissements<\/strong>.<\/p>\n\n\n\n<p>Voici quelques conseils pour vous aider dans votre d\u00e9marche&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>soyez attentif \u00e0 la conjoncture\u00a0;<\/li>\n\n\n\n<li>essayez d\u2019effectuer vos pr\u00e9visions le plus justement possible\u00a0en \u00e9vitant de surestimer vos flux de tr\u00e9sorerie entrants ou de sous-\u00e9valuer vos flux sortants\u00a0;\u00a0<\/li>\n\n\n\n<li>tenez compte des <strong><a href=\"https:\/\/ipaidthat.io\/mag\/featured\/3-puissantes-astuces-pour-le-paiement-des-factures-dachats\/\">d\u00e9lais de paiement<\/a><\/strong> de vos clients et fournisseurs\u00a0;<\/li>\n\n\n\n<li>pensez \u00e0 anticiper, \u00e9ventuellement, les frais li\u00e9s \u00e0 un accroissement d\u2019activit\u00e9, comme de nouveaux investissements ou une nouvelle embauche.<\/li>\n<\/ul>\n\n\n\n<p>La <a href=\"https:\/\/entreprendre.service-public.fr\/vosdroits\/F23566\" target=\"_blank\" rel=\"noreferrer noopener\">TVA<\/a> fait l\u2019objet d\u2019un traitement diff\u00e9renci\u00e9. Elle figure sur deux lignes d\u00e9di\u00e9es dans votre tableau pr\u00e9visionnel de tr\u00e9sorerie&nbsp;: TVA \u00e0 payer et remboursement. Lorsque vous encaissez vos cr\u00e9ances clients ou payez vos factures fournisseurs, c\u2019est bien le montant TTC qui entre ou sort de votre compte bancaire. Le<strong> calcul <\/strong>de la TVA \u00e0 verser ou, \u00e0 l\u2019inverse, d\u2019un cr\u00e9dit \u00e0 recevoir, s\u2019effectue dans un second temps en fonction de la p\u00e9riodicit\u00e9 \u00e0 laquelle vous d\u00e9clarez&nbsp;cette taxe&nbsp;: mensuellement ou trimestriellement.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Utilisez un logiciel en ligne pour cr\u00e9er votre plan de tr\u00e9sorerie<\/strong><\/h2>\n\n\n\n<p>Le dirigeant d\u2019entreprise peut \u00e9galement avoir recours \u00e0 un logiciel pour faciliter la cr\u00e9ation de son plan de tr\u00e9sorerie pr\u00e9visionnel. Un outil de gestion de tr\u00e9sorerie en ligne comporte de nombreux avantages&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>automatisation du suivi comptable\u00a0;<\/li>\n\n\n\n<li>simulation de plusieurs sc\u00e9narios\u00a0;<\/li>\n\n\n\n<li>comparaison entre budget pr\u00e9visionnel et tr\u00e9sorerie\u00a0r\u00e9elle\u00a0;<\/li>\n\n\n\n<li>synchronisation avec vos comptes bancaires\u00a0;<\/li>\n\n\n\n<li>exportation de vos tableaux au format Excel ou Google Sheets, pour un partage simplifi\u00e9 de vos donn\u00e9es avec votre <a href=\"https:\/\/ipaidthat.io\/annuaire-comptable\/?utm_medium=blog&amp;utm_source=articles&amp;utm_campaign=mag&amp;utm_term=annuaire\" target=\"_blank\" rel=\"noreferrer noopener\">expert-comptable<\/a> ou vos partenaires financiers.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><strong>iPaidThat regroupe l\u2019ensemble de ces fonctionnalit\u00e9s et vous aide \u00e0 g\u00e9rer votre plan de tr\u00e9sorerie en temps r\u00e9el. De plus, il s&rsquo;agit d&rsquo;une solution digitale enti\u00e8rement adapt\u00e9e \u00e0 votre gestion de tr\u00e9sorerie quotidienne.<\/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\"><strong>Analysez le solde de votre tr\u00e9sorerie pr\u00e9visionnelle<\/strong><\/h2>\n\n\n\n<p>Le plan de tr\u00e9sorerie est un <strong>outil de gestion<\/strong>. Le dirigeant d\u2019entreprise doit analyser le solde mensuel de sa tr\u00e9sorerie pr\u00e9visionnelle. Si le r\u00e9sultat est <strong>positif<\/strong>, cela signifie que l\u2019entreprise ne pr\u00e9voit pas de difficult\u00e9s majeures. Au contraire, un solde <strong>n\u00e9gatif<\/strong> complique la gestion financi\u00e8re de l\u2019exploitation. Le plan de tr\u00e9sorerie s\u2019accompagne alors d\u2019un plan de financement regroupant les solutions pour am\u00e9liorer l\u2019\u00e9tat des liquidit\u00e9s.<\/p>\n\n\n\n<p>Dans ce cas, le dirigeant dispose de plusieurs pistes de travail&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>r\u00e9fl\u00e9chir au niveau des tarifs\u00a0;<\/li>\n\n\n\n<li>n\u00e9gocier les prix d\u2019achat des marchandises\u00a0;<\/li>\n\n\n\n<li>revoir les d\u00e9lais de paiement des clients et fournisseurs\u00a0;<\/li>\n\n\n\n<li>solliciter des avances en compte courant d\u2019associ\u00e9\u00a0;<\/li>\n\n\n\n<li>r\u00e9aliser un cr\u00e9dit de tr\u00e9sorerie aupr\u00e8s d\u2019une banque, etc.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><strong><a href=\"https:\/\/ipaidthat.io\/mag\/tresorerie\/comment-optimiser-la-gestion-de-la-tresorerie-d-une-entreprise\/\" target=\"_blank\" rel=\"noreferrer noopener\">En savoir plus sur l\u2019optimisation de la gestion de tr\u00e9sorerie<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi \u00e9tablir un plan de tr\u00e9sorerie pr\u00e9visionnel&nbsp;?<\/strong><\/h2>\n\n\n\n<p>Le plan de tr\u00e9sorerie est un <strong>outil d\u2019anticipation<\/strong> et <strong>d\u2019aide \u00e0 la d\u00e9cision<\/strong>. La justesse des pr\u00e9visions facilite le pilotage de la situation financi\u00e8re de l\u2019entreprise sur une ann\u00e9e comptable.&nbsp;<\/p>\n\n\n\n<p>Selon une \u00e9tude men\u00e9e par le <a href=\"https:\/\/www.altares.com\/fr\/whitepapers\/defaillances-t1-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">cabinet Altares<\/a>, les faillites d\u2019entreprises ont augment\u00e9 de 34,6&nbsp;% entre le premier trimestre&nbsp;2021 et le premier trimestre&nbsp;2022. Il semble donc essentiel de mettre en \u0153uvre une<strong> gestion financi\u00e8re<\/strong> rigoureuse.<\/p>\n\n\n\n<p>En r\u00e9alisant un plan de tr\u00e9sorerie pour votre entreprise, vous pouvez&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>vous assurer de la solidit\u00e9 de vos fonds et du paiement de vos \u00e9ch\u00e9ances\u00a0;<\/li>\n\n\n\n<li>pr\u00e9voir d\u2019autofinancer le d\u00e9veloppement de votre exploitation avec les exc\u00e9dents de tr\u00e9sorerie d\u00e9gag\u00e9s\u00a0;<\/li>\n\n\n\n<li>anticiper les difficult\u00e9s\u00a0et renforcer votre business plan initial\u00a0;<\/li>\n\n\n\n<li>piloter vos disponibilit\u00e9s\u00a0;<\/li>\n\n\n\n<li>fournir \u00e0 vos partenaires financiers des<strong> informations fiables<\/strong> sur l\u2019avenir de votre activit\u00e9 et faciliter ainsi les n\u00e9gociations.<\/li>\n\n\n\n<li><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 tous les cr\u00e9ateurs d\u2019entreprise, le plan de tr\u00e9sorerie est votre meilleur alli\u00e9 dans la gestion de votre argent&nbsp;! Document financier pr\u00e9visionnel pr\u00e9sent\u00e9 sous forme de tableau, il synth\u00e9tise vos encaissements et d\u00e9caissements futurs, sur une p\u00e9riode de 12&nbsp;mois. Cet outil de pilotage de vos flux financiers vous offre une vision claire de vos ressources [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":18786,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-11681","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>\u00c9tablir un plan de tr\u00e9sorerie : comment et pourquoi\u2009?<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les \u00e9tapes cl\u00e9s pour \u00e9tablir un plan de tr\u00e9sorerie fiable et indispensable pour la gestion financi\u00e8re efficace de l&#039;entreprise.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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