{"id":3362,"date":"2022-05-06T09:25:14","date_gmt":"2022-05-06T09:25:14","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/les-pme-et-eti-face-a-leur-destin-financier\/"},"modified":"2025-01-06T20:25:02","modified_gmt":"2025-01-06T20:25:02","slug":"les-pme-et-eti-face-a-leur-destin-financier","status":"publish","type":"post","link":"https:\/\/inbonis.com\/fr\/2022\/05\/06\/les-pme-et-eti-face-a-leur-destin-financier\/","title":{"rendered":"Les PME et ETI face \u00e0 leur destin financier"},"content":{"rendered":"<p>Si la fin de l\u2019ann\u00e9e 2021 laissait peu \u00e0 peu entrevoir un retour \u00e0 la normale sur le plan \u00e9conomique, avec une activit\u00e9 dynamique pour les entreprises, pouss\u00e9es par un regain de la consommation, une accalmie pand\u00e9mique et une stabilit\u00e9 mondiale, le d\u00e9but de l\u2019ann\u00e9e 2022 contraste largement.<\/p>\n<p><strong>De multiples facteurs assombrissent l\u2019horizon \u00e9conomique des entreprises, alors que la majorit\u00e9 des PME et ETI fran\u00e7aises sont encore en train de se relever de la pand\u00e9mie.<\/strong> Alors que leur structure financi\u00e8re a \u00e9t\u00e9 affect\u00e9e \u00e0 court terme, les aides publiques massives ont bien colmat\u00e9 cette fissure. Mais paradoxalement, ces rustines pourraient aggraver le mal de nombreuses entreprises et transformer les difficult\u00e9s financi\u00e8res en un probl\u00e8me de long terme. Surtout que le \u00ab quoi qu\u2019il en coute \u00bb ne va pas durer ind\u00e9finiment.<\/p>\n<h2><strong>La r\u00e9surgence du risque de d\u00e9faut des PME et ETI<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-7796\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/inbonis_blog_destin_financier.jpg\" alt=\"\" width=\"1200\" height=\"650\" \/><\/p>\n<p>Pour la premi\u00e8re fois depuis 2020, <strong>les entreprises voient leur situation de tr\u00e9sorerie se d\u00e9grader massivement<\/strong> selon le dernier rapport Rexecode\/AFTE sur le sujet. Ceci est le r\u00e9sultat d\u2019une combinaison de facteurs qui fait de cette ann\u00e9e 2022 une ann\u00e9e cruciale o\u00f9 la vigilance sera indispensable pour ne pas se faire d\u00e9passer. Le conflit en Ukraine influence tr\u00e8s largement cette tendance. <strong>D\u2019une part, co\u00fbt de l\u2019\u00e9nergie est renforc\u00e9 par le risque de p\u00e9nurie de gaz russe a un impact direct sur les co\u00fbts fixes et les tr\u00e9soreries des PME. D\u2019autre part, la tension palpable sur le co\u00fbt des mati\u00e8res premi\u00e8res avec la reprise tr\u00e8s dynamique de l\u2019\u00e9conomie mondiale est aggrav\u00e9e par ce conflit.<\/strong><\/p>\n<p>Ce double effet kiss cool a un impact direct sur les PME et ETI qui font face au d\u00e9but du remboursement des PGE. De nombreux dirigeants n\u2019ont pas encore d\u00e9but\u00e9 le remboursement de leurs PGE mais sont d\u00e9j\u00e0 en alerte \u2018Comment rembourser 25% de mon CA avec une explosion de mes co\u00fbts ?\u2019 me demande-t-on tr\u00e8s souvent.<\/p>\n<p><strong>Selon le dernier rapport <a href=\"https:\/\/www.altares.com\/en\/\">Altares<\/a>, le nombre d\u2019entreprise en faillite retrouve des niveaux de pr\u00e8s-Covid.<\/strong> La r\u00e9alit\u00e9 revient au galop, apr\u00e8s avoir connu pendant deux ans un niveau extr\u00eamement bas de faillites alors que nous avons travers\u00e9 la plus grande crise de ces derni\u00e8res ann\u00e9es. Avec 40 000 pr\u00e9vus \u00e0 la fin de l\u2019ann\u00e9e, notamment dans les secteurs en tension constante comme le commerce de d\u00e9tail ou la restauration. Et cette croissance des faillites d\u2019entreprises est \u00e0 pr\u00e9voir \u00e9galement pour 2023 selon le cabinet d\u2019analyse Atradius, qui pr\u00e9dit \u00ab un retour \u00e0 la normalit\u00e9 et des d\u00e9fauts additionnels des entreprises zombies \u00bb.<\/p>\n<h2><strong>La notation de cr\u00e9dit comme outil indispensable face \u00e0 l\u2019impr\u00e9vu financier<\/strong><\/h2>\n<p>Face \u00e0 cette incertitude<strong>, il est urgent pour chaque entreprise de faire un \u00e9tat des lieux de sa tr\u00e9sorerie \u00e0 court terme mais aussi et surtout de ses \u00e9ch\u00e9ances \u00e0 moyen terme.<\/strong> <strong>La notation de cr\u00e9dit est une analyse qui int\u00e8gre une dimension qualitative et qui d\u00e9termine la capacit\u00e9 d\u2019une entreprise \u00e0 faire face \u00e0 ses engagements financiers \u00e0 12 mois.<\/strong> <strong><a href=\"https:\/\/inbonis.com\/fr\/\">Inbonis Rating<\/a> est la premi\u00e8re agence de notation agr\u00e9\u00e9e par l\u2019<a href=\"https:\/\/www.esma.europa.eu\/\">Autorit\u00e9 Europ\u00e9enne des March\u00e9s Financiers<\/a> qui est sp\u00e9cialis\u00e9e pour les PME et ETI.<\/strong> Le rapport explicatif de 10 pages qui accompagne la note est un \u00e9l\u00e9ment d\u00e9terminant pour piloter sa tr\u00e9sorerie et ses \u00e9ch\u00e9ances \u00e0 venir.<\/p>\n<p>Il s\u2019agit \u00e9galement d\u2019un marqueur de confiance pour les partenaires financiers, puisque l<strong>a notation est reconnue par les banques, mais aussi les partenaires commerciaux, donneurs d\u2019ordres, fournisseurs et sous-traitants,<\/strong> avec qui les relations se sont d\u00e9grad\u00e9es pendant la crise.<\/p>\n<p>C\u2019est aussi, pour les entreprises qui d\u2019une part cherchent \u00e0 s\u00e9curiser de la tr\u00e9sorerie \u00e0 court terme, mais aussi qui cherchent \u00e0 se financer \u00e0 long terme, un acc\u00e9l\u00e9rateur pour d\u00e9crocher des financements. La notation est par exemple un pr\u00e9requis aux Obligations Relance et Pr\u00eats Participatifs Relance qui permettent un financement de la croissance de long terme pour des entreprises avec des projets d\u2019investissement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si la fin de l\u2019ann\u00e9e 2021 laissait peu \u00e0 peu entrevoir un retour \u00e0 la normale sur le plan \u00e9conomique, avec une activit\u00e9 dynamique pour les entreprises, pouss\u00e9es par un regain de la consommation, une accalmie pand\u00e9mique et une stabilit\u00e9 mondiale, le d\u00e9but de l\u2019ann\u00e9e 2022 contraste largement. De multiples facteurs assombrissent l\u2019horizon \u00e9conomique des [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-3362","post","type-post","status-publish","format-standard","hentry","category-sin-categorizar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Les PME et ETI face \u00e0 leur destin financier - INBONIS RATING | The Credit Rating Agency for SME<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/inbonis.com\/fr\/2022\/05\/06\/les-pme-et-eti-face-a-leur-destin-financier\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les PME et ETI face \u00e0 leur destin financier\" \/>\n<meta property=\"og:description\" content=\"Si la fin de l\u2019ann\u00e9e 2021 laissait peu \u00e0 peu entrevoir un retour \u00e0 la normale sur le plan \u00e9conomique, avec une activit\u00e9 dynamique pour les entreprises, pouss\u00e9es par un regain de la consommation, une accalmie pand\u00e9mique et une stabilit\u00e9 mondiale, le d\u00e9but de l\u2019ann\u00e9e 2022 contraste largement. 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