{"id":9019,"date":"2022-02-21T10:58:04","date_gmt":"2022-02-21T09:58:04","guid":{"rendered":"https:\/\/ipaidthat.io\/mag\/?p=9019"},"modified":"2022-02-21T10:58:04","modified_gmt":"2022-02-21T09:58:04","slug":"ratio-financier-suivre-la-sante-financiere-de-lentreprise","status":"publish","type":"post","link":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/","title":{"rendered":"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l&rsquo;entreprise"},"content":{"rendered":"\n<p>Le ratio financier est l\u2019outil permettant \u00e0 n\u2019importe quel dirigeant de se renseigner sur la sant\u00e9 financi\u00e8re de son entreprise. Gr\u00e2ce \u00e0 diff\u00e9rents<strong> indicateurs<\/strong>, tels que l\u2019indice de rentabilit\u00e9 (calcul\u00e9 sur la marge) ou encore le <a href=\"https:\/\/ipaidthat.io\/mag\/tresorerie\/le-chiffre-d-affaires-comment-suivre-cet-indicateur-de-performance\/\">chiffre d\u2019affaires<\/a>, le dirigeant peut g\u00e9rer sa tr\u00e9sorerie et <strong>assurer la viabilit\u00e9<\/strong> de son business.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png\" alt=\"ratio financier \" class=\"wp-image-9020\"\/><figcaption><em>Image modifi\u00e9e issue de :&nbsp;<\/em>storyset.com<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"le-ratio-financier-qu-est-ce-que-c-est\"><span class=\"underline--hoverpurple\"><strong>Le ratio financier,\u2009qu\u2019est-ce que c\u2019est ?<\/strong><\/span><\/h2>\n\n\n\n<p>Vous n\u2019en n\u2019aviez peut-\u00eatre jamais entendu parler auparavant\u2026 Alors, un ratio financier concr\u00e8tement, qu\u2019est-ce que c\u2019est ?<\/p>\n\n\n\n<p>Il s\u2019agit d\u2019un coefficient, un <strong>indice <\/strong>ou un pourcentage qui t\u00e9moigne du rapport entre deux donn\u00e9es financi\u00e8res d\u2019une entreprise. L\u2019objectif d\u2019un ratio financier est de comparer les <strong>r\u00e9sultats financiers<\/strong> recueillis et les <strong>\u00e9valuer<\/strong>.<\/p>\n\n\n\n<p>En effet, les finances d\u2019une entreprise sont un \u00e9l\u00e9ment cl\u00e9 sur sa situation et son \u00e9tat de sant\u00e9 g\u00e9n\u00e9ral. Le ratio financier offre donc un point de vue imm\u00e9diat sur l\u2019<strong>\u00e9tat de sant\u00e9<\/strong> de celle-ci.\u00a0<\/p>\n\n\n\n<p>Ma\u00eetriser son ratio financier est une possibilit\u00e9 claire d\u2019action rapide dans la prise de d\u00e9cision (am\u00e9lioration, r\u00e9duction, restriction, \u2026). Si tout va bien dans vos<strong> finances<\/strong>, il n\u2019y a alors plus grand-chose \u00e0 craindre, n\u2019est-ce pas ?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"les-categories-du-ratio-financier\"><strong>Les cat\u00e9gories du ratio financier<\/strong><\/h3>\n\n\n\n<p>On peut diviser le ratio financier en deux sous-cat\u00e9gories : l\u2019interne et l\u2019externe.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Le ratio financier interne \u2192 <\/strong>Se limite au p\u00e9rim\u00e8tre int\u00e9rieur de l&rsquo;entreprise. Il se rapporte davantage \u00e0 une analyse des r\u00e9sultats et exclut, par exemple, les donn\u00e9es de type contextuel.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Le ratio financier externe \u2192 <\/strong>C&rsquo;est une analyse plus profonde et pouss\u00e9e de l&rsquo;information compar\u00e9e. Ce ratio ne va pas seulement \u00eatre limit\u00e9 \u00e0 l&rsquo;analyse int\u00e9rieure de l&rsquo;entreprise, mais pourra aussi ouvrir sur tout fait ext\u00e9rieur pouvant l\u2019impacter (position concurrentielle, \u2026).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pourquoi-est-ce-necessaire-de-le-connaitre\"><span class=\"underline--hoverpurple\"><strong>Pourquoi est-ce n\u00e9cessaire de le conna\u00eetre ?<\/strong><\/span><\/h2>\n\n\n\n<p>Peu importe leur cat\u00e9gorie, chacun de ces ratios permet d\u2019obtenir des <strong>donn\u00e9es cruciales <\/strong>\u00e0 l&rsquo;entreprise sur :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Sa rentabilit\u00e9 (pricing produit, choix de mati\u00e8res premi\u00e8res, \u2026)<\/li><li>Sa structure financi\u00e8re (indicateur de march\u00e9, \u2026)<\/li><li><a href=\"https:\/\/ipaidthat.io\/mag\/tresorerie\/5-conseils-pour-bien-gerer-sa-tresorerie-dentreprise\/\">La tr\u00e9sorerie<\/a> (\u00e9valuer le cashflow, BRF, FRNG \u2026)<\/li><li>L\u2019activit\u00e9 globale (indicateur d\u2019<strong>efficacit\u00e9 op\u00e9rationnelle,<\/strong> \u2026)<\/li><\/ul>\n\n\n\n<p>Ce ratio financier va \u00e9galement permettre de consolider l\u2019<strong>int\u00e9r\u00eat des investisseurs <\/strong>potentiels.<\/p>\n\n\n\n<p>Pour \u00e9valuer son entreprise avec les bons ratios financiers, voici votre to-do list :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Rechercher des infos en se basant sur vos<strong> documents financiers<\/strong> d\u2019entreprise ou en faisant de la veille concurrentielle.<\/li><li>S\u2019interroger sur les ratios utilis\u00e9s dans votre secteur (ceux de la concurrence, etc\u2026).<\/li><li>\u00a0Choisir les <strong>ratios pertinents <\/strong>pour votre analyse (d\u00e9lai de r\u00e8glement, taux de rentabilit\u00e9, marge brute, panier moyen, \u2026).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ratio-financier-et-tresorerie\"><span class=\"underline--hoverpurple\"><strong>Ratio financier et tr\u00e9sorerie<\/strong><\/span><\/h2>\n\n\n\n<p>Ces deux points sont li\u00e9s et l\u2019<strong>analyse<\/strong> qu\u2019ils offrent portent sur de nombreux \u00e9l\u00e9ments constitutifs du <a href=\"https:\/\/ipaidthat.io\/mag\/featured\/elaborer-une-carte-du-patrimoine-de-tresorerie-grace-au-bilan-comptable\/\" target=\"_blank\" rel=\"noreferrer noopener\">bilan comptable<\/a> de tr\u00e9sorerie.<\/p>\n\n\n\n<p>Pour g\u00e9rer son entreprise de mani\u00e8re efficace, l\u2019un des atouts dont le dirigeant peut se servir est l\u2019<strong>optimisation de la tr\u00e9sorerie<\/strong>, et pour cela une<strong> <\/strong><a href=\"https:\/\/ipaidthat.io\/fr\/tresorerie\/?utm_source=magTreso&amp;utm_campaign=banniere&amp;utm_content=banniere\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>assistance digitale<\/strong><\/a> peut largement aider, mais ne dispense pas d\u2019un \u00e9l\u00e9ment : vouloir <a href=\"https:\/\/ipaidthat.io\/mag\/tresorerie\/5-etapes-concretes-pour-une-gestion-de-tresorerie-optimale\/\" target=\"_blank\" rel=\"noreferrer noopener\">optimiser sa tr\u00e9sorerie<\/a>.<\/p>\n\n\n\n<p>La <strong>gestion de tr\u00e9sorerie<\/strong> est essentielle puisque l\u2019entreprise peut contr\u00f4ler certains ratios financiers et d\u00e9tecter par<strong> anticipation<\/strong>, gr\u00e2ce \u00e0 cette <strong>\u00e9tude de ratio<\/strong>, les probl\u00e8mes \u00e0 venir !<\/p>\n\n\n\n<p>Plus la tr\u00e9sorerie de votre entreprise se porte bien, meilleures sont vos chances de perdurer sur votre <strong>march\u00e9 <\/strong>\u00e0 long terme.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-ratios-financiers-indispensables-a-la-gestion-de-votre-tresorerie\"><span class=\"underline--hoverpurple\"><strong>6 ratios financiers indispensables \u00e0 la gestion de votre tr\u00e9sorerie<\/strong><\/span><\/h2>\n\n\n\n<p>Ces quelques ratios sont des <strong>indicateurs de r\u00e9f\u00e9rence<\/strong> indispensables \u00e0 votre gestion de tr\u00e9sorerie :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/ipaidthat.io\/mag\/featured\/3-puissantes-astuces-pour-simplifier-le-paiement-de-vos-factures-dachats\/\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9lai moyen de r\u00e8glement fournisseurs<\/a><\/li><li>D\u00e9lai de rotation des stocks<\/li><li>FRNG<\/li><li>BRF<\/li><li>D\u00e9lai moyen des encaissements clients<\/li><li>La tr\u00e9sorerie nette<\/li><\/ul>\n\n\n\n<p class=\"has-text-align-center\">D\u00e9couvrons-les en d\u00e9tails.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-le-delai-de-reglement-fournisseurs\"><strong>1. Le d\u00e9lai de r\u00e8glement fournisseurs&nbsp;<\/strong><\/h3>\n\n\n\n<p>Comme son nom l\u2019indique, ce <strong>ratio financier<\/strong> va vous faire savoir au bout de combien de temps les factures fournisseurs ou clients sont acquitt\u00e9es.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Pour le calculer : <\/em>dettes fournisseurs x 360 \/ total des achats TTC<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Interpr\u00e9tation financi\u00e8re :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Un r\u00e8glement trop rapide n\u2019est pas b\u00e9n\u00e9fique, l\u2019entreprise ne profite pas des avantages des <a href=\"https:\/\/ipaidthat.io\/fr\/paiement\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9lais de paiement<\/a> accord\u00e9s par les fournisseurs.<\/li><li>Un r\u00e8glement trop long, voir en retard (d\u00e9passant les 30-60 jours) \u2192 un oubli peut vite arriver, mais perp\u00e9tuer les retards et absences de paiement t\u00e9moigne facilement de <a href=\"https:\/\/ipaidthat.io\/mag\/tresorerie\/problemes-de-tresorerie-comment-faire\/\" target=\"_blank\" rel=\"noreferrer noopener\">probl\u00e8mes de tr\u00e9sorerie<\/a>, cela influe sur la r\u00e9putation et l\u2019<strong>indice de confiance <\/strong>de vos fournisseurs.<\/li><\/ul>\n\n\n\n<p><a href=\"https:\/\/ipaidthat.io\/fr\/paiement\"><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-le-delai-moyen-des-encaissements-clients\"><strong>2. Le d\u00e9lai moyen des encaissements clients<\/strong><\/h3>\n\n\n\n<p>Cet indicateur permet d\u2019\u00e9valuer la rapidit\u00e9 selon laquelle l\u2019entreprise est pay\u00e9e par ses clients.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Pour le calculer : <\/em>cr\u00e9ances clients x 360 \/ chiffre d\u2019affaires TTC.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Interpr\u00e9tation financi\u00e8re :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Ce ratio indique quelle est l\u2019<strong>efficacit\u00e9<\/strong> <strong>des recouvrements <\/strong>de l\u2019entreprise. La mani\u00e8re dont elle g\u00e8re les entr\u00e9es d\u2019<strong>argent<\/strong> dans sa tr\u00e9sorerie. Comme pour tout, il faut trouver le juste \u00e9quilibre entre les dates d\u2019encaissements et leurs apparitions effectives sur les comptes (d\u00e9lai de traitement des banques, retards, etc\u2026).<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-le-fonds-de-roulement-net-global\"><strong>3. Le fonds de roulement net global<\/strong><\/h3>\n\n\n\n<p>Le Fonds de Roulement Net Global, aussi appel\u00e9 FRNG. Il s\u2019agit d\u2019un des ratios financiers les plus connus en mati\u00e8re de gestion de tr\u00e9sorerie.&nbsp;<\/p>\n\n\n\n<p>Avec celui-ci, le dirigeant peut d\u00e9terminer la r\u00e9serve d\u2019argent disponible apr\u00e8s d\u00e9duction des r\u00e8glements d\u2019emplois stables et de ressources stables. Ce ratio est une source de <strong>s\u00e9r\u00e9nit\u00e9 financi\u00e8re<\/strong> compl\u00e9mentaire en cas, par exemple, d\u2019impr\u00e9vu durant la p\u00e9riode d\u2019activit\u00e9 de l\u2019entreprise.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Pour le calculer :<\/em><br>Ressources stables \u2014 emplois stables<br><em>ou<\/em><br>Actifs circulants \u2014 dettes \u00e0 court terme<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Interpr\u00e9tation financi\u00e8re :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>R\u00e9sultat en exc\u00e9dant \u2192 l\u2019entreprise est solvable et peut <strong>financer <\/strong>son BFR.<\/li><li>R\u00e9sultat en d\u00e9ficit \u2192 Les ressources financi\u00e8res sont insuffisantes ; l\u2019entreprise n\u2019a pas la capacit\u00e9 de soutenir son BFR.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-le-besoin-en-fonds-de-roulement\"><strong>4. Le besoin en fonds de roulement<\/strong><\/h3>\n\n\n\n<p>Le Besoin en Fonds de Roulement (BFR) permet d\u2019analyser le d\u00e9calage de fonds qui existe entre le moment o\u00f9 l\u2019entreprise est pay\u00e9e par ses clients et le moment o\u00f9 elle r\u00e9alise ses <strong><a href=\"https:\/\/ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9penses<\/a><\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Pour le calculer : <\/em>stock moyen + cr\u00e9ances clients \u2014 dettes.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Le BFR est un indicateur permettant de d\u00e9terminer rapidement la somme d\u2019argent dont l\u2019entreprise a besoin pour la gestion de ses d\u00e9calages de tr\u00e9sorerie \u00e0 court terme (le r\u00e8glement des d\u00e9penses en attendant l\u2019encaissement de la client\u00e8le).&nbsp;<\/p>\n\n\n\n<p><strong>Interpr\u00e9tation financi\u00e8re :&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>On pr\u00e9f\u00e8rera toujours un besoin en fonds de roulement bas ! S\u2019il est \u00e9lev\u00e9, alors l\u2019entreprise n\u2019arrive visiblement pas \u00e0 r\u00e9guler et \u00e0 amortir ses flux d\u2019encaissement et de d\u00e9caissement.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-la-tresorerie-nette\"><strong>5. La tr\u00e9sorerie nette<\/strong><\/h3>\n\n\n\n<p>C\u2019est le total de <strong>tr\u00e9sorerie restant<\/strong> apr\u00e8s le cycle d\u2019exploitation. Autrement dit, l\u2019argent effectivement disponible \u00e0 l\u2019instant T pour apercevoir imm\u00e9diatement les probl\u00e8mes li\u00e9s \u00e0 la tr\u00e9sorerie et ajuster le tir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Pour le calculer :<\/em>&nbsp;fonds de roulement net global \u2014 besoin en fonds de roulement&nbsp;ou&nbsp;disponibilit\u00e9s \u2014 dettes financi\u00e8res \u00e0 court terme<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Interpr\u00e9tation financi\u00e8re :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>R\u00e9sultat positif \u2192 les ressources de l\u2019entreprise sont suffisantes pour subvenir \u00e0 ses besoins \u00e0 court terme.&nbsp;<\/li><li>R\u00e9sultat n\u00e9gatif \u2192 indique que l\u2019entreprise doit <a href=\"https:\/\/ipaidthat.io\/mag\/featured\/les-3-raisons-davoir-recours-au-pret-pour-mieux-gerer-votre-tresorerie\/\" target=\"_blank\" rel=\"noreferrer noopener\">recourir aux emprunts<\/a> pour \u00e9viter le d\u00e9couvert bancaire.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-le-delai-de-rotation-des-stocks\"><strong>6. Le d\u00e9lai de rotation des stocks<\/strong><\/h3>\n\n\n\n<p>Ce ratio financier permet de mesurer la rapidit\u00e9 de rotation des stocks. Il \u00e9value la fr\u00e9quence \u00e0 laquelle les stocks se renouvellent.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Pour le calculer : <\/em>Stock moyen de l\u2019exercice x 360 \/ Prix d\u2019achat des marchandises<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Interpr\u00e9tation financi\u00e8re :&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Si le d\u00e9lai est long, il peut \u00eatre r\u00e9v\u00e9lateur d\u2019un probl\u00e8me (difficult\u00e9 d\u2019\u00e9coulement des stocks, mauvaise gestion d\u2019approvisionnement), mais pas toujours. Pour cette raison, le dirigeant doit r\u00e9guli\u00e8rement le comparer avec celui de ses concurrents directs.<\/li><li>Si le d\u00e9lai est court, l\u2019entreprise g\u00e8re tr\u00e8s bien son approvisionnement.<\/li><\/ul>\n\n\n\n<p class=\"has-text-align-center\"><strong><a href=\"https:\/\/rq4h5gwtb71.typeform.com\/to\/LFEsLMPv\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9couvrez en plus sur la gestion de tr\u00e9sorerie !&nbsp;<\/a><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/rq4h5gwtb71.typeform.com\/to\/LFEsLMPv\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2021\/12\/Banniere_mag_Treso_livre-blanc-6.jpg\" alt=\"Banni\u00e8re_mag_Treso_livre blanc iPaidThat\" class=\"wp-image-7991\"\/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/rq4h5gwtb71.typeform.com\/to\/LFEsLMPv\"><strong><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-ratios-financiers-exploitables\"><span class=\"underline--hoverpurple\"><strong>8 ratios financiers exploitables<\/strong><\/span><\/h2>\n\n\n\n<p>Voici une liste exhaustive de diff\u00e9rents ratios financiers utilisables pour estimer la sant\u00e9 de votre entreprise :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Le ratio de liquidit\u00e9 <\/strong>\u2192 <em>Ratio de liquidit\u00e9 = Actif circulant \/ Passif circulant<\/em><\/li><li><strong>La capacit\u00e9 d\u2019autofinancement (CAF) <\/strong>\u2192 <em>CAF = EBE + produits encaissables \u2014 charges d\u00e9caissables<\/em><\/li><li><strong>Le ratio de productivit\u00e9<\/strong> \u2192 <em>Valeur ajout\u00e9e \/ Nombre de salari\u00e9s<\/em><\/li><li><strong>Le ratio d\u2019autonomie financi\u00e8re <\/strong>\u2192 <em>Capitaux propres \/ Total du bilan<\/em><\/li><li><strong>Le ratio d\u2019endettement <\/strong>\u2192 <em>Dette nette \/ Capitaux propres<\/em><\/li><li><strong>La marge commerciale <\/strong>\u2192 M<em>arge commerciale = Chiffre d\u2019affaires hors taxe \u2014 Achats HT<\/em><\/li><li><strong>La marge brute d\u2019exploitation <\/strong>\u2192 <em>Exc\u00e9dent brut d\u2019exploitation \/ Chiffre d\u2019affaires annuel<\/em><\/li><li><strong>L\u2019exc\u00e9dent brut d\u2019exploitation (EBE) <\/strong>\u2192 <em>EBE = marge brute + subventions d\u2019exploitation \u2014 imp\u00f4ts et taxes \u2013 charges salariales<\/em><\/li><\/ul>\n\n\n\n<p class=\"has-text-align-center\"><strong>L\u2019aide d\u2019un <a href=\"https:\/\/ipaidthat.io\/annuaire-comptable\/\" target=\"_blank\" rel=\"noreferrer noopener\">expert-comptable<\/a> peut \u00eatre d\u00e9terminante pour analyser la gestion financi\u00e8re de votre entreprise. Vous pouvez aussi utiliser l\u2019outil Tr\u00e9so pour une gestion automatis\u00e9e et une vue en temps r\u00e9el sur l\u2019ensemble de flux financiers.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><a href=\"https:\/\/ipaidthat.io\/fr\/tresorerie\/?utm_source=magTreso&amp;utm_campaign=banniere&amp;utm_content=banniere\">D\u00e9marrez l\u2019optimisation de votre tr\u00e9sorerie<\/a><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/ipaidthat.io\/fr\/tresorerie\/?utm_source=magTreso&amp;utm_campaign=banniere&amp;utm_content=banniere\"><img decoding=\"async\" src=\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2021\/04\/banniere_mag_blog_treso.png\" alt=\"banni\u00e8re_mag_blog_treso\" class=\"wp-image-6645\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Le ratio financier est l\u2019outil permettant \u00e0 n\u2019importe quel dirigeant de se renseigner sur la sant\u00e9 financi\u00e8re de son entreprise. Gr\u00e2ce \u00e0 diff\u00e9rents indicateurs, tels que l\u2019indice de rentabilit\u00e9 (calcul\u00e9 sur la marge) ou encore le chiffre d\u2019affaires, le dirigeant peut g\u00e9rer sa tr\u00e9sorerie et assurer la viabilit\u00e9 de son business. Le ratio financier,\u2009qu\u2019est-ce que [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,8],"tags":[],"class_list":["post-9019","post","type-post","status-publish","format-standard","hentry","category-featured","category-tresorerie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ratio financier : suivre la sant\u00e9 financi\u00e8re de l&#039;entreprise<\/title>\n<meta name=\"description\" content=\"Le ratio financier vous permet de faire un bilan sur la sant\u00e9 de votre entreprise. D\u00e9couvrez-en plus !\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l&#039;entreprise\" \/>\n<meta property=\"og:description\" content=\"Le ratio financier vous permet de faire un bilan sur la sant\u00e9 de votre entreprise. D\u00e9couvrez-en plus !\" \/>\n<meta property=\"og:url\" content=\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\" \/>\n<meta property=\"og:site_name\" content=\"iPaidThat Mag\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-21T09:58:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png\" \/>\n<meta name=\"author\" content=\"S\u00e9bastien Claeys\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"S\u00e9bastien Claeys\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\"},\"author\":{\"name\":\"S\u00e9bastien Claeys\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/person\/021144662586a12df79c88913050baaa\"},\"headline\":\"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l&rsquo;entreprise\",\"datePublished\":\"2022-02-21T09:58:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\"},\"wordCount\":1561,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#organization\"},\"image\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png\",\"articleSection\":[\"Featured\",\"Tr\u00e9sorerie\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\",\"url\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\",\"name\":\"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l'entreprise\",\"isPartOf\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png\",\"datePublished\":\"2022-02-21T09:58:04+00:00\",\"description\":\"Le ratio financier vous permet de faire un bilan sur la sant\u00e9 de votre entreprise. D\u00e9couvrez-en plus !\",\"breadcrumb\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage\",\"url\":\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png\",\"contentUrl\":\"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Le Mag\",\"item\":\"https:\/\/app.ipaidthat.io\/mag\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Featured\",\"item\":\"https:\/\/app.ipaidthat.io\/mag\/category\/featured\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l&rsquo;entreprise\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#website\",\"url\":\"https:\/\/app.ipaidthat.io\/mag\/\",\"name\":\"IPaidThat Mag\",\"description\":\"Une gestion simple, automatis\u00e9e et collaborative\",\"publisher\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/app.ipaidthat.io\/mag\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#organization\",\"name\":\"IPaidThat Mag\",\"url\":\"https:\/\/app.ipaidthat.io\/mag\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2025\/11\/logo-le-mag-blog-ipaidthat.png\",\"contentUrl\":\"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2025\/11\/logo-le-mag-blog-ipaidthat.png\",\"width\":1817,\"height\":524,\"caption\":\"IPaidThat Mag\"},\"image\":{\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/person\/021144662586a12df79c88913050baaa\",\"name\":\"S\u00e9bastien Claeys\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2023\/02\/sebastien-clayes-ipaidthat-96x96.png\",\"contentUrl\":\"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2023\/02\/sebastien-clayes-ipaidthat-96x96.png\",\"caption\":\"S\u00e9bastien Claeys\"},\"url\":\"https:\/\/app.ipaidthat.io\/mag\/author\/sebastienipaidthat-io\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l'entreprise","description":"Le ratio financier vous permet de faire un bilan sur la sant\u00e9 de votre entreprise. D\u00e9couvrez-en plus !","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:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/","og_locale":"fr_FR","og_type":"article","og_title":"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l'entreprise","og_description":"Le ratio financier vous permet de faire un bilan sur la sant\u00e9 de votre entreprise. D\u00e9couvrez-en plus !","og_url":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/","og_site_name":"iPaidThat Mag","article_published_time":"2022-02-21T09:58:04+00:00","og_image":[{"url":"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png","type":"","width":"","height":""}],"author":"S\u00e9bastien Claeys","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"S\u00e9bastien Claeys","Dur\u00e9e de lecture estim\u00e9e":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#article","isPartOf":{"@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/"},"author":{"name":"S\u00e9bastien Claeys","@id":"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/person\/021144662586a12df79c88913050baaa"},"headline":"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l&rsquo;entreprise","datePublished":"2022-02-21T09:58:04+00:00","mainEntityOfPage":{"@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/"},"wordCount":1561,"commentCount":0,"publisher":{"@id":"https:\/\/app.ipaidthat.io\/mag\/#organization"},"image":{"@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage"},"thumbnailUrl":"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png","articleSection":["Featured","Tr\u00e9sorerie"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/","url":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/","name":"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l'entreprise","isPartOf":{"@id":"https:\/\/app.ipaidthat.io\/mag\/#website"},"primaryImageOfPage":{"@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage"},"image":{"@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage"},"thumbnailUrl":"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png","datePublished":"2022-02-21T09:58:04+00:00","description":"Le ratio financier vous permet de faire un bilan sur la sant\u00e9 de votre entreprise. D\u00e9couvrez-en plus !","breadcrumb":{"@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#primaryimage","url":"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png","contentUrl":"https:\/\/ipaidthat.io\/mag\/wp-content\/uploads\/2022\/02\/ratio-financier-2-1024x576.png"},{"@type":"BreadcrumbList","@id":"https:\/\/app.ipaidthat.io\/mag\/featured\/ratio-financier-suivre-la-sante-financiere-de-lentreprise\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Le Mag","item":"https:\/\/app.ipaidthat.io\/mag\/"},{"@type":"ListItem","position":2,"name":"Featured","item":"https:\/\/app.ipaidthat.io\/mag\/category\/featured\/"},{"@type":"ListItem","position":3,"name":"Ratio financier : suivre la sant\u00e9 financi\u00e8re de l&rsquo;entreprise"}]},{"@type":"WebSite","@id":"https:\/\/app.ipaidthat.io\/mag\/#website","url":"https:\/\/app.ipaidthat.io\/mag\/","name":"IPaidThat Mag","description":"Une gestion simple, automatis\u00e9e et collaborative","publisher":{"@id":"https:\/\/app.ipaidthat.io\/mag\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/app.ipaidthat.io\/mag\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/app.ipaidthat.io\/mag\/#organization","name":"IPaidThat Mag","url":"https:\/\/app.ipaidthat.io\/mag\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/logo\/image\/","url":"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2025\/11\/logo-le-mag-blog-ipaidthat.png","contentUrl":"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2025\/11\/logo-le-mag-blog-ipaidthat.png","width":1817,"height":524,"caption":"IPaidThat Mag"},"image":{"@id":"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/person\/021144662586a12df79c88913050baaa","name":"S\u00e9bastien Claeys","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/app.ipaidthat.io\/mag\/#\/schema\/person\/image\/","url":"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2023\/02\/sebastien-clayes-ipaidthat-96x96.png","contentUrl":"https:\/\/app.ipaidthat.io\/mag\/wp-content\/uploads\/2023\/02\/sebastien-clayes-ipaidthat-96x96.png","caption":"S\u00e9bastien Claeys"},"url":"https:\/\/app.ipaidthat.io\/mag\/author\/sebastienipaidthat-io\/"}]}},"_links":{"self":[{"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/posts\/9019","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/comments?post=9019"}],"version-history":[{"count":0,"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/posts\/9019\/revisions"}],"wp:attachment":[{"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/media?parent=9019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/categories?post=9019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/app.ipaidthat.io\/mag\/wp-json\/wp\/v2\/tags?post=9019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}