{"id":5346,"date":"2025-09-21T21:50:16","date_gmt":"2025-09-21T19:50:16","guid":{"rendered":"https:\/\/oncourtiz.fr\/?p=5346"},"modified":"2025-09-22T12:42:38","modified_gmt":"2025-09-22T10:42:38","slug":"tresorerie-tendue-panique-face-aux-finances","status":"publish","type":"post","link":"https:\/\/oncourtiz.fr\/index.php\/2025\/09\/21\/tresorerie-tendue-panique-face-aux-finances\/","title":{"rendered":"Tr\u00e9sorerie tendue, panique face aux finances"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5346\" class=\"elementor elementor-5346\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d4e910e e-flex e-con-boxed e-con e-parent\" data-id=\"3d4e910e\" data-element_type=\"container\" data-e-type=\"container\" 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micro-entreprise \u00e0 soci\u00e9t\u00e9<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-3968\"><a href=\"https:\/\/oncourtiz.fr\/index.php\/mes-prestations\/\" class=\"elementor-item\" tabindex=\"-1\">Mes accompagnements<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3209\"><a href=\"https:\/\/oncourtiz.fr\/index.php\/conseils-relations-bancaires\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Conseils relations bancaires<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3897\"><a href=\"https:\/\/oncourtiz.fr\/index.php\/recherches-de-financement\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Recherches de financement<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3912\"><a 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data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/oncourtiz.fr\/index.php\/contactez-moi\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prenez un rdv<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\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<div class=\"elementor-element elementor-element-3571ba15 e-flex e-con-boxed e-con e-parent\" data-id=\"3571ba15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8efdddb e-con-full e-flex e-con e-child\" data-id=\"8efdddb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-515d5178 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"515d5178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Tr\u00e9sorerie tendue : 5 \u00e9tapes pour reprendre le contr\u00f4le de votre entreprise<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc83df3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cc83df3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vous avez ouvert votre commerce avec passion, d\u00e9termination, et une bonne dose de courage. Mais aujourd\u2019hui, les chiffres sont inqui\u00e9tants. Votre compte bancaire fr\u00f4le le rouge. Les rentr\u00e9es sont irr\u00e9guli\u00e8res. Vous sentez cette pression sourde vous envahir.<\/p><p>Rassurez-vous : vous n\u2019\u00eates pas seul\u00b7e. Une <strong>tr\u00e9sorerie tendue<\/strong> fait partie des r\u00e9alit\u00e9s que de nombreux commer\u00e7ants et ind\u00e9pendants vivent. Ce n\u2019est pas une fatalit\u00e9.<\/p><p>Encore faut-il savoir comment r\u00e9agir, sans c\u00e9der \u00e0 la panique.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d0c639d elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"3d0c639d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/oncourtiz.fr\/wp-content\/uploads\/2025\/09\/pexels-energepic-com-27411-313690-1-scaled.jpg\" class=\"attachment-large size-large wp-image-5431\" alt=\"tresorie-tendue\" srcset=\"https:\/\/oncourtiz.fr\/wp-content\/uploads\/2025\/09\/pexels-energepic-com-27411-313690-1-scaled.jpg 2560w, https:\/\/oncourtiz.fr\/wp-content\/uploads\/2025\/09\/pexels-energepic-com-27411-313690-1-300x225.jpg 300w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\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<div class=\"elementor-element elementor-element-c0c6ef8 e-flex e-con-boxed e-con e-parent\" data-id=\"c0c6ef8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4c8aa60 e-con-full e-flex e-con e-child\" data-id=\"4c8aa60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dda094c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dda094c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Pourquoi votre tr\u00e9sorerie est-elle en tension\u00a0? Comprendre les causes<\/h2>\nLes tensions de tr\u00e9sorerie ont deux grandes origines :\n<br><h3>Des causes structurelles<\/h3>\nElles sont li\u00e9es au mod\u00e8le \u00e9conomique de votre entreprise :\n<ul>\n \t<br><li>Un chiffre d\u2019affaires insuffisant<\/li>\n \t<li>Une marge trop \u00e9troite<\/li>\n \t<li>Des charges fixes trop lourdes<\/li>\n \t<li>Une gestion inadapt\u00e9e des stocks ou de la saisonnalit\u00e9\u00a0\u2026<\/li>\n<\/ul>\n<br><h3>Des causes conjoncturelles<\/h3>\nElles surviennent brutalement, souvent en dehors de tout contr\u00f4le :\n<ul>\n \t<br><li>Baisse temporaire d\u2019activit\u00e9 (gr\u00e8ve, m\u00e9t\u00e9o, crise sanitaire, travaux dans le quartier, etc.)<\/li>\n \t<li>Perte d\u2019un gros client<\/li>\n \t<li>Hausse impr\u00e9vue des co\u00fbts (\u00e9nergie, mati\u00e8res premi\u00e8res, etc.)<\/li>\n \t<li>Retard ou impay\u00e9 d\u2019un client<\/li>\n \t<li>D\u00e9pense impr\u00e9vue (panne, r\u00e9paration urgente, etc.)<\/li>\n<\/ul><br>\nDans tous les cas, deux types de r\u00e9actions dominent : le d\u00e9ni ou la panique. L\u2019un et l\u2019autre m\u00e8nent \u00e0 l\u2019immobilisme. Pourtant, une <strong>gestion proactive de votre tr\u00e9sorerie<\/strong> reste n\u00e9cessaire pour \u00e9viter les blocages bancaires et les d\u00e9cisions pr\u00e9cipit\u00e9es.<br>\n<br><h2>Panique face aux finances : pourquoi les \u00e9motions prennent-elles le dessus ?<\/h2>\nLe probl\u00e8me, ce n\u2019est pas seulement l\u2019argent. C\u2019est tout votre environnement qu\u2019il convient de prendre en compte :\n<ul>\n \t<br><li>L\u2019isolement, car vous portez l\u2019entreprise seul\u00b7e<\/li>\n \t<li>La honte, parce que vous pensez que vous \u00eates seul\u00b7e \u00e0 traverser cette \u00e9preuve<\/li>\n \t<li>La confusion, car vous ne disposez pas des bons outils pour y voir clair.<\/li>\n<\/ul><br>\nR\u00e9sultat : vous avancez \u00e0 l\u2019aveugle. Vous r\u00e9agissez dans l\u2019urgence. Vous perdez pied. Mais cette situation n\u2019est pas fig\u00e9e. Ce dont un chef d\u2019entreprise a le plus besoin, c\u2019est de prendre de la hauteur. Comprendre ce qui met en difficult\u00e9 la soci\u00e9t\u00e9 reste une des priorit\u00e9s. La reprise en main de la situation passe par une logique de pilotage. Commer\u00e7ants, comment r\u00e9agir en cas de tr\u00e9sorerie tendue.\nToujours commencer par poser la probl\u00e9matique et regarder les chiffres :\n<ul>\n \t<br><li>O\u00f9 en est mon chiffre d\u2019affaires ?<\/li>\n \t<li>Quelle est ma marge globale puis analyse par fournisseur ou type de produit ?<\/li>\n \t<li>Quels sont les postes de d\u00e9pense trop lourds, non adapt\u00e9s ?<\/li>\n \t<li>Quelle est ma visibilit\u00e9 \u00e0 1, 3, 6 mois ?<\/li>\n<\/ul><br>\nPuis on creuse : est-ce que mon mod\u00e8le \u00e9conomique est toujours align\u00e9 avec ce que je veux ? Est-ce que je m\u2019y retrouve encore ? Est-ce que j\u2019ai encore de l\u2019\u00e9lan ? Enfin, on agit :\n<ul>\n \t<br><li>Mise en place d\u2019un tableau de bord simple pour suivre votre tr\u00e9sorerie<\/li>\n \t<li>Pr\u00e9visionnel de tr\u00e9sorerie avec diff\u00e9rents sc\u00e9narios<\/li>\n \t<li>Plan d\u2019action clair et r\u00e9aliste (commercial, communication, gestion)<\/li>\n \t<li>N\u00e9gociation avec la banque sur des bases solides<\/li>\n<\/ul><br>\nLes erreurs fr\u00e9quentes \u00e0 \u00e9viter quand votre tr\u00e9sorerie est fragile. Quand la tr\u00e9sorerie est dans le rouge, voici ce qu\u2019il ne faut surtout pas faire :\n<ul>\n \t<br><li><strong>Aller voir le banquier sans pr\u00e9paration.<\/strong>\nVous risquez de vous d\u00e9cr\u00e9dibiliser. La banque attend un dirigeant qui ma\u00eetrise la situation. Pas un SOS.<\/li>\n \t<li><strong>Esp\u00e9rer que \u00e7a s\u2019arrange tout seul.<\/strong>\nUn probl\u00e8me de tr\u00e9sorerie, \u00e7a ne dispara\u00eet pas avec le temps. Il faut agir vite, avec m\u00e9thode.<\/li>\n \t<li><strong>Se comparer aux autres.<\/strong>\nChaque activit\u00e9 est diff\u00e9rente. Attention aux r\u00e9ussites sensationnelles pr\u00e9sent\u00e9es dans les r\u00e9seaux sociaux. Elles refl\u00e8tent rarement la r\u00e9alit\u00e9.<\/li>\n<\/ul>\n<br><h3>Ce que je dis souvent \u00e0 mes clients<\/h3>\n\u00ab S\u2019il y a de l\u2019activit\u00e9, on trouve des solutions. S\u2019il n\u2019y a pas de chiffre d\u2019affaires, alors on repart sur les bases pour reconstruire. Mais il y a toujours une voie. \u00bb\n<br><br><h2>Reprendre la main sur votre tr\u00e9sorerie : mon accompagnement en 4 temps<\/h2>\nTu n\u2019es pas seul. Si ta tr\u00e9sorerie t\u2019emp\u00eache de dormir, si tu sens que tu perds la main sur tes finances, alors il est temps d\u2019agir. Je t\u2019accompagne pour :\n<ul>\n \t<br><li>Identifier clairement la source du probl\u00e8me<\/li>\n \t<li>Mettre en place des outils simples et efficaces<\/li>\n \t<li>Renouer un dialogue constructif avec ta banque<\/li>\n \t<li>Te reconnecter \u00e0 ce qui donne du sens \u00e0 ton activit\u00e9<\/li>\n<\/ul>\n<br><strong>Prends rendez-vous pour un premier \u00e9change <\/strong>et commence \u00e0 reprendre la main sur ta tr\u00e9sorerie.\t\t\t\t\t\t\t\t<\/div>\n\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<div class=\"elementor-element elementor-element-f1ec039 e-flex e-con-boxed e-con e-parent\" data-id=\"f1ec039\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60d06333 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget 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elementor-widget elementor-widget-heading\" data-id=\"46c21934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Me contacter<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-216ffc49 elementor-widget-tablet__width-initial elementor-mobile-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"216ffc49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:contact@mysite.com\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">nathanaelle.oustrain@oncourtiz.fr<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:123-456-7890\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">T\u00e9l. 07 48 14 10 54<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-782bdc7f e-con-full e-flex e-con e-child\" data-id=\"782bdc7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-586c81d9 elementor-widget elementor-widget-heading\" data-id=\"586c81d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Suivez-moi sur <br> les r\u00e9seaux sociaux<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c88d61b elementor-shape-square e-grid-align-left e-grid-align-tablet-left e-grid-align-mobile-center elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"6c88d61b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-2a2843b\" href=\"https:\/\/www.linkedin.com\/in\/nathanaelle-oustrain-385162242\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\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","protected":false},"excerpt":{"rendered":"<p>Prenez un rdv Tr\u00e9sorerie tendue : 5 \u00e9tapes pour reprendre le contr\u00f4le de votre entreprise Vous avez ouvert votre commerce avec passion, d\u00e9termination, et une bonne dose de courage. Mais aujourd\u2019hui, les chiffres sont inqui\u00e9tants. Votre compte bancaire fr\u00f4le le rouge. Les rentr\u00e9es sont irr\u00e9guli\u00e8res. Vous sentez cette pression sourde vous envahir. Rassurez-vous : vous [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5431,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5346","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classe"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tr\u00e9sorerie tendue, panique face aux finances<\/title>\n<meta name=\"description\" content=\"Vous avez ouvert votre commerce avec passion, d\u00e9termination, et une bonne dose de courage. 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