{"id":14171,"date":"2026-10-30T16:07:09","date_gmt":"2026-10-30T15:07:09","guid":{"rendered":"https:\/\/www.cashlab.fr\/?page_id=14171"},"modified":"2026-10-30T16:46:32","modified_gmt":"2026-10-30T15:46:32","slug":"comparatif-des-logiciels-de-tresorerie-pour-eti-et-grands-comptes","status":"publish","type":"page","link":"http:\/\/www.cashlab.fr\/en\/comparatif-des-logiciels-de-tresorerie-pour-eti-et-grands-comptes\/","title":{"rendered":"Logiciel de tr\u00e9sorerie : comparatif 2026 de 17 solutions pour ETI et Grands Groupes"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.27.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.27.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_code _builder_version=\u00a0\u00bb4.27.9&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550<!-- [et_pb_line_break_holder] -->     CASHLAB \u2014 Comparatif logiciels de tr\u00e9sorerie 2026<!-- [et_pb_line_break_holder] -->     Ressources > Comparatif logiciels de tr\u00e9sorerie<!-- [et_pb_line_break_holder] -->     URL : \/comparatif-logiciel-tresorerie\/<!-- [et_pb_line_break_holder] -->     Module Code (Pleine Largeur)<!-- [et_pb_line_break_holder] -->     Charte reprise de la page Fonction finance.<!-- [et_pb_line_break_holder] 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display: grid;<!-- [et_pb_line_break_holder] -->  gap: 12px;<!-- [et_pb_line_break_holder] -->  align-content: start;<!-- [et_pb_line_break_holder] -->  padding: 30px 28px;<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  overflow: hidden;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-priorite::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-priorite-num { font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 800; letter-spacing: 0.08em; color: #8A6F2C; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-priorite h3 { margin: 0; padding: 0; font-size: 1.1rem; font-weight: 800; line-height: 1.3; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-priorite p { margin: 0; font-size: 0.92rem; line-height: 1.7; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* D\u00e9cor commun des bandeaux bleu fonc\u00e9 pleine largeur *\/<!-- [et_pb_line_break_holder] -->.cl-cp-stats, .cl-cp-change {<!-- [et_pb_line_break_holder] -->  position: relative;<!-- [et_pb_line_break_holder] -->  overflow: hidden;<!-- [et_pb_line_break_holder] -->  padding: 100px 24px;<!-- [et_pb_line_break_holder] -->  background: linear-gradient(145deg, var(--cl-navy) 0%, var(--cl-navy-light) 50%, var(--cl-navy-mid) 100%);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-bande-bg { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }<!-- [et_pb_line_break_holder] -->.cl-cp-bande-grille {<!-- [et_pb_line_break_holder] -->  position: absolute;<!-- [et_pb_line_break_holder] -->  inset: 0;<!-- [et_pb_line_break_holder] -->  background-image:<!-- [et_pb_line_break_holder] -->    linear-gradient(rgba(200, 169, 96, 0.03) 1px, transparent 1px),<!-- [et_pb_line_break_holder] -->    linear-gradient(90deg, rgba(200, 169, 96, 0.03) 1px, transparent 1px);<!-- [et_pb_line_break_holder] -->  background-size: 60px 60px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-bande-orb { position: absolute; width: 500px; height: 500px; border-radius: 50%; filter: blur(140px); background: var(--cl-gold); opacity: 0.08; top: -150px; right: 5%; }<!-- [et_pb_line_break_holder] -->.cl-cp-stats .cl-cp-inner, .cl-cp-change .cl-cp-inner { position: relative; }<!-- [et_pb_line_break_holder] -->.cl-cp-stats .cl-section-label, .cl-cp-change .cl-section-label { color: var(--cl-gold); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-stats-intro { margin: 0 0 40px; font-size: 1.15rem; color: rgba(255, 255, 255, 0.75); }<!-- [et_pb_line_break_holder] -->.cl-cp-stats-grille { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; }<!-- [et_pb_line_break_holder] -->.cl-cp-stat b {<!-- [et_pb_line_break_holder] -->  display: block;<!-- [et_pb_line_break_holder] -->  font-size: clamp(2.8rem, 5vw, 4rem);<!-- [et_pb_line_break_holder] -->  font-weight: 800;<!-- [et_pb_line_break_holder] -->  line-height: 1;<!-- [et_pb_line_break_holder] -->  color: var(--cl-gold);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-jauge { height: 4px; margin: 20px 0; border-radius: 2px; background: rgba(255, 255, 255, 0.1); }<!-- [et_pb_line_break_holder] -->.cl-cp-jauge span { display: block; height: 4px; border-radius: 2px; background: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-stat p { margin: 0; font-size: 0.95rem; line-height: 1.7; color: rgba(255, 255, 255, 0.7); }<!-- [et_pb_line_break_holder] -->.cl-cp-section.cl-cp-suite { border-top: 0; }<!-- [et_pb_line_break_holder] -->.cl-cp-source { margin: 32px 0 0; font-family: 'DM Sans', sans-serif; font-size: 0.78rem; font-style: italic; color: rgba(255, 255, 255, 0.45); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 POURQUOI : QUATRE CAS \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-cas { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin: 32px 0; }<!-- [et_pb_line_break_holder] -->.cl-cp-cas-carte {<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  gap: 12px;<!-- [et_pb_line_break_holder] -->  align-content: start;<!-- [et_pb_line_break_holder] -->  padding: 24px 22px;<!-- [et_pb_line_break_holder] -->  border-radius: 14px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-cas-num {<!-- [et_pb_line_break_holder] -->  width: 36px; height: 36px;<!-- [et_pb_line_break_holder] -->  border-radius: 50%;<!-- [et_pb_line_break_holder] -->  display: flex;<!-- [et_pb_line_break_holder] -->  align-items: center;<!-- [et_pb_line_break_holder] -->  justify-content: center;<!-- [et_pb_line_break_holder] -->  background: var(--cl-gold-dim);<!-- [et_pb_line_break_holder] -->  border: 1.5px solid var(--cl-gold);<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.85rem;<!-- [et_pb_line_break_holder] -->  font-weight: 800;<!-- [et_pb_line_break_holder] -->  color: #8A6F2C;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-cas-carte p { margin: 0; font-size: 0.9rem; line-height: 1.6; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] -->.cl-cp-cas-carte strong { display: block; margin-bottom: 4px; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 COMMENT CHOISIR : CINQ CRIT\u00c8RES \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-criteres { display: grid; gap: 16px; margin-top: 40px; }<!-- [et_pb_line_break_holder] -->.cl-cp-critere {<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  transition: border-color 0.4s, box-shadow 0.4s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-critere:hover, .cl-cp-critere[open] { border-color: var(--cl-gold); box-shadow: 0 16px 48px rgba(0, 0, 0, 0.06); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-critere summary {<!-- [et_pb_line_break_holder] -->  list-style: none;<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  grid-template-columns: 64px minmax(0, 1fr) 24px;<!-- [et_pb_line_break_holder] -->  gap: 24px;<!-- [et_pb_line_break_holder] -->  align-items: center;<!-- [et_pb_line_break_holder] -->  padding: 24px 28px;<!-- [et_pb_line_break_holder] -->  cursor: pointer;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-critere summary::-webkit-details-marker { display: none; }<!-- [et_pb_line_break_holder] -->.cl-cp-critere summary::after {<!-- [et_pb_line_break_holder] -->  content: '+';<!-- [et_pb_line_break_holder] -->  font-size: 1.6rem;<!-- [et_pb_line_break_holder] -->  line-height: 1;<!-- [et_pb_line_break_holder] -->  color: var(--cl-gold);<!-- [et_pb_line_break_holder] -->  text-align: center;<!-- [et_pb_line_break_holder] -->  transition: transform 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-critere[open] summary::after { transform: rotate(45deg); }<!-- [et_pb_line_break_holder] -->.cl-cp-critere summary:focus-visible { outline: 2px solid var(--cl-gold); outline-offset: 3px; border-radius: 16px; }<!-- [et_pb_line_break_holder] -->.cl-cp-critere-num {<!-- [et_pb_line_break_holder] -->  width: 64px; height: 64px;<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->  display: flex;<!-- [et_pb_line_break_holder] -->  align-items: center;<!-- [et_pb_line_break_holder] -->  justify-content: center;<!-- [et_pb_line_break_holder] -->  background: var(--cl-navy);<!-- [et_pb_line_break_holder] -->  color: var(--cl-gold);<!-- [et_pb_line_break_holder] -->  font-size: 1.5rem;<!-- [et_pb_line_break_holder] -->  font-weight: 800;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-critere h3 { margin: 0; padding: 0; font-size: 1.15rem; font-weight: 800; line-height: 1.3; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-critere > p { margin: 0; padding: 0 76px 28px 116px; font-size: 0.95rem; line-height: 1.75; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 TROIS FAMILLES \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-familles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 40px; }<!-- [et_pb_line_break_holder] -->.cl-cp-famille {<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  grid-template-rows: auto auto 1fr auto;<!-- [et_pb_line_break_holder] -->  gap: 12px;<!-- [et_pb_line_break_holder] -->  padding: 30px 26px;<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->  min-width: 0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-famille-k {<!-- [et_pb_line_break_holder] -->  justify-self: start;<!-- [et_pb_line_break_holder] -->  padding: 4px 11px;<!-- [et_pb_line_break_holder] -->  border-radius: 100px;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.72rem;<!-- [et_pb_line_break_holder] -->  font-weight: 700;<!-- [et_pb_line_break_holder] -->  letter-spacing: 0.06em;<!-- [et_pb_line_break_holder] -->  text-transform: uppercase;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-famille h3 { margin: 0; padding: 0; font-size: 1.15rem; font-weight: 800; line-height: 1.3; }<!-- [et_pb_line_break_holder] -->.cl-cp-famille p { margin: 0; font-size: 0.92rem; line-height: 1.7; }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-ex { padding-top: 14px; border-top: 1px solid; font-family: 'DM Sans', sans-serif; font-size: 0.8rem; line-height: 1.5; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-famille-tms { background: var(--cl-navy); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-tms .cl-cp-famille-k { background: rgba(255, 255, 255, 0.08); color: rgba(255, 255, 255, 0.75); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-famille-tms h3 { color: var(--cl-white); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-tms p { color: rgba(255, 255, 255, 0.65); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-tms .cl-cp-famille-ex { border-color: rgba(255, 255, 255, 0.1); color: rgba(255, 255, 255, 0.5); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-famille-prev { background: var(--cl-gold-dim); border: 1.5px solid var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-prev .cl-cp-famille-k { background: var(--cl-navy); color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-famille-prev h3 { color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-prev p { color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-prev .cl-cp-famille-ex { border-color: rgba(200, 169, 96, 0.4); color: #8A6F2C; font-weight: 600; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-famille-epm { background: rgba(37, 99, 235, 0.06); border: 1.5px solid #2563EB; }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-epm .cl-cp-famille-k { background: rgba(37, 99, 235, 0.1); color: #2563EB; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-famille-epm h3 { color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-epm p { color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] -->.cl-cp-famille-epm .cl-cp-famille-ex { border-color: rgba(37, 99, 235, 0.25); color: #2563EB; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 EXCEL \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-excel { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 40px; }<!-- [et_pb_line_break_holder] -->.cl-cp-excel-carte {<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  gap: 12px;<!-- [et_pb_line_break_holder] -->  align-content: start;<!-- [et_pb_line_break_holder] -->  padding: 30px 28px;<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-excel-carte h3 { margin: 0; padding: 0; font-size: 1.1rem; font-weight: 800; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-excel-carte p { margin: 0; font-size: 0.92rem; line-height: 1.75; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-signaux {<!-- [et_pb_line_break_holder] -->  margin: 0;<!-- [et_pb_line_break_holder] -->  padding: 0;<!-- [et_pb_line_break_holder] -->  list-style: none;<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  gap: 12px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-signaux li {<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  grid-template-columns: 20px minmax(0, 1fr);<!-- [et_pb_line_break_holder] -->  gap: 12px;<!-- [et_pb_line_break_holder] -->  font-size: 0.92rem;<!-- [et_pb_line_break_holder] -->  line-height: 1.6;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-secondary);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-signaux svg { margin-top: 2px; color: var(--cl-gold); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-excel-signaux { grid-column: 1 \/ -1; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-change-grille { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.4fr); gap: 60px; align-items: start; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-change h3 { margin: 0; padding: 0; font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; line-height: 1.2; color: var(--cl-white); }<!-- [et_pb_line_break_holder] -->.cl-cp-change p { margin: 0; font-size: 1.05rem; line-height: 1.8; color: rgba(255, 255, 255, 0.7); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 SOLUTIONS \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->\/* Bande neutre pleine largeur (Slate 100) : en-t\u00eate de section + Cashlab *\/<!-- [et_pb_line_break_holder] -->.cl-cp-cashlab {<!-- [et_pb_line_break_holder] -->  padding: 100px 24px;<!-- [et_pb_line_break_holder] -->  background: #F1F5F9;<!-- [et_pb_line_break_holder] -->  border-top: 1px solid #E2E8F0;<!-- [et_pb_line_break_holder] -->  border-bottom: 1px solid #E2E8F0;<!-- [et_pb_line_break_holder] -->  scroll-margin-top: 90px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-cashlab-tete {<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr);<!-- [et_pb_line_break_holder] -->  gap: 48px;<!-- [et_pb_line_break_holder] -->  align-items: center;<!-- [et_pb_line_break_holder] -->  padding-bottom: 32px;<!-- [et_pb_line_break_holder] -->  border-bottom: 1px solid #E2E8F0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-cashlab-k {<!-- [et_pb_line_break_holder] -->  display: inline-block;<!-- [et_pb_line_break_holder] -->  margin-bottom: 12px;<!-- [et_pb_line_break_holder] -->  padding: 4px 11px;<!-- [et_pb_line_break_holder] -->  border-radius: 100px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-navy);<!-- [et_pb_line_break_holder] -->  color: var(--cl-gold);<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.72rem;<!-- [et_pb_line_break_holder] -->  font-weight: 700;<!-- [et_pb_line_break_holder] -->  letter-spacing: 0.08em;<!-- [et_pb_line_break_holder] -->  text-transform: uppercase;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-cashlab-tete h3 { margin: 0 0 14px; padding: 0; font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; line-height: 1.05; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-resume { margin: 0; font-size: 1.05rem; line-height: 1.75; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] -->.cl-cp-resume strong { color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-cashlab-chiffres { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }<!-- [et_pb_line_break_holder] -->.cl-cp-cashlab-chiffres div { padding: 20px; border-radius: 12px; background: var(--cl-white); border: 1px solid #E2E8F0; }<!-- [et_pb_line_break_holder] -->.cl-cp-cashlab-chiffres b { display: block; font-size: 1.9rem; font-weight: 800; line-height: 1; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-cashlab-chiffres span { display: block; margin-top: 8px; font-family: 'DM Sans', sans-serif; font-size: 0.8rem; color: #8A6F2C; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-identite { display: grid; grid-template-columns: 0.6fr 1fr 1.4fr 1.6fr; gap: 24px; margin: 28px 0 0; }<!-- [et_pb_line_break_holder] -->.cl-cp-identite dt { margin-bottom: 4px; font-family: 'DM Sans', sans-serif; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #8A6F2C; }<!-- [et_pb_line_break_holder] -->.cl-cp-identite dd { margin: 0; font-size: 0.88rem; line-height: 1.55; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Modules aux couleurs de leur bloc : Cash Management ambre, Cash Forecasting corail, Financial Planning indigo *\/<!-- [et_pb_line_break_holder] -->.cl-cp-modules-intro { margin: 48px 0 14px; font-family: 'DM Sans', sans-serif; font-size: 0.9rem; font-weight: 600; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-modules { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px; }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module {<!-- [et_pb_line_break_holder] -->  --cl-cp-mod: var(--cl-border);<!-- [et_pb_line_break_holder] -->  position: relative;<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  gap: 8px;<!-- [et_pb_line_break_holder] -->  align-content: start;<!-- [et_pb_line_break_holder] -->  padding: 24px 34px 24px 40px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-cp-mod);<!-- [et_pb_line_break_holder] -->  text-decoration: none;<!-- [et_pb_line_break_holder] -->  clip-path: polygon(0 0, calc(100% - 18px) 0, 100% 50%, calc(100% - 18px) 100%, 0 100%, 18px 50%);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->\/* Fond blanc int\u00e9rieur : le fond color\u00e9 ne reste visible que sur 2px, comme un contour *\/<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module::before {<!-- [et_pb_line_break_holder] -->  content: '';<!-- [et_pb_line_break_holder] -->  position: absolute;<!-- [et_pb_line_break_holder] -->  inset: 2px 3px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  clip-path: polygon(0 0, calc(100% - 17px) 0, 100% 50%, calc(100% - 17px) 100%, 0 100%, 17px 50%);<!-- [et_pb_line_break_holder] -->  transition: background 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module > * { position: relative; }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module:first-child { padding-left: 26px; border-radius: 12px 0 0 12px; clip-path: polygon(0 0, calc(100% - 18px) 0, 100% 50%, calc(100% - 18px) 100%, 0 100%); }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module:first-child::before { inset: 2px 3px 2px 2px; border-radius: 10px 0 0 10px; clip-path: polygon(0 0, calc(100% - 17px) 0, 100% 50%, calc(100% - 17px) 100%, 0 100%); }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module:last-child { border-radius: 0 12px 12px 0; clip-path: polygon(0 0, 100% 0, 100% 100%, 0 100%, 18px 50%); }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module:last-child::before { inset: 2px 2px 2px 3px; border-radius: 0 10px 10px 0; clip-path: polygon(0 0, 100% 0, 100% 100%, 0 100%, 17px 50%); }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module:hover::before { background: #F8FAFC; }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module:focus-visible { outline: 2px solid var(--cl-navy); outline-offset: 3px; }<!-- [et_pb_line_break_holder] -->.cl-cp-module b { font-size: 1.02rem; }<!-- [et_pb_line_break_holder] -->.cl-cp-module span { font-size: 0.85rem; line-height: 1.6; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module-cfm { --cl-cp-mod: #E8B84B; }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module-cf { --cl-cp-mod: #E05060; }<!-- [et_pb_line_break_holder] -->.cl-wrapper a.cl-cp-module-fp { --cl-cp-mod: #6B7FE8; }<!-- [et_pb_line_break_holder] -->.cl-cp-module-cfm b { color: #9A6E1E; }<!-- [et_pb_line_break_holder] -->.cl-cp-module-cf b { color: #C8434F; }<!-- [et_pb_line_break_holder] -->.cl-cp-module-fp b { color: #5468D6; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Atouts en tuiles *\/<!-- [et_pb_line_break_holder] -->.cl-cp-atouts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 40px; }<!-- [et_pb_line_break_holder] -->.cl-cp-atout { padding: 24px; border-radius: 12px; background: var(--cl-white); border: 1px solid var(--cl-border); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-atout h4 { margin: 0 0 8px; padding: 0; font-size: 1rem; font-weight: 800; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-atout p { margin: 0; font-size: 0.88rem; line-height: 1.65; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* R\u00e9sultats et t\u00e9moignage *\/<!-- [et_pb_line_break_holder] -->.cl-cp-preuves { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.3fr); gap: 16px; margin-top: 16px; }<!-- [et_pb_line_break_holder] -->.cl-cp-roi { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }<!-- [et_pb_line_break_holder] -->.cl-cp-roi div { padding: 24px; border-radius: 12px; background: var(--cl-gold-dim); border: 1.5px solid var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-roi b { display: block; font-size: 1.6rem; font-weight: 800; line-height: 1.1; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-roi span { display: block; margin-top: 6px; font-family: 'DM Sans', sans-serif; font-size: 0.82rem; color: #8A6F2C; }<!-- [et_pb_line_break_holder] -->.cl-cp-temoignage { margin: 0; padding: 24px 28px; border-radius: 12px; background: var(--cl-white); border: 1px solid var(--cl-border); }<!-- [et_pb_line_break_holder] -->.cl-cp-temoignage p { margin: 0 0 10px; font-family: 'Playfair Display', serif; font-style: italic; font-size: 1.05rem; line-height: 1.6; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-temoignage cite { font-family: 'DM Sans', sans-serif; font-style: normal; font-size: 0.82rem; color: var(--cl-text-muted); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-cashlab-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 28px; margin-top: 40px; }<!-- [et_pb_line_break_holder] -->.cl-cp-lien {<!-- [et_pb_line_break_holder] -->  display: inline-flex;<!-- [et_pb_line_break_holder] -->  align-items: center;<!-- [et_pb_line_break_holder] -->  gap: 7px;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.9rem;<!-- [et_pb_line_break_holder] -->  font-weight: 600;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-primary) !important;<!-- [et_pb_line_break_holder] -->  text-decoration: underline !important;<!-- [et_pb_line_break_holder] -->  text-underline-offset: 4px;<!-- [et_pb_line_break_holder] -->  transition: color 0.3s, gap 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-lien:hover { color: #8A6F2C !important; gap: 11px; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Bandeaux de cat\u00e9gorie *\/<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau {<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  gap: 10px;<!-- [et_pb_line_break_holder] -->  padding: 28px 32px;<!-- [et_pb_line_break_holder] -->  margin-bottom: 24px;<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-k {<!-- [et_pb_line_break_holder] -->  justify-self: start;<!-- [et_pb_line_break_holder] -->  padding: 4px 11px;<!-- [et_pb_line_break_holder] -->  border-radius: 100px;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.72rem;<!-- [et_pb_line_break_holder] -->  font-weight: 700;<!-- [et_pb_line_break_holder] -->  letter-spacing: 0.08em;<!-- [et_pb_line_break_holder] -->  text-transform: uppercase;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-titre { display: flex; flex-wrap: wrap; align-items: baseline; gap: 6px 16px; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-bandeau h3 { margin: 0; padding: 0; font-size: 1.45rem; font-weight: 800; line-height: 1.25; }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-titre span { font-family: 'DM Sans', sans-serif; font-size: 0.85rem; font-weight: 600; }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau p { margin: 4px 0 0; max-width: 900px; font-size: 0.95rem; line-height: 1.75; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-tms { background: var(--cl-navy); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-tms .cl-cp-bandeau-k { background: rgba(255, 255, 255, 0.08); color: rgba(255, 255, 255, 0.75); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-bandeau-tms h3 { color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-tms .cl-cp-bandeau-titre span, .cl-cp-bandeau-tms p { color: rgba(255, 255, 255, 0.65); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-prev { background: var(--cl-gold-dim); border: 1.5px solid var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-prev .cl-cp-bandeau-k { background: var(--cl-navy); color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-bandeau-prev h3 { color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-prev .cl-cp-bandeau-titre span { color: #8A6F2C; }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-prev p { color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-epm { background: rgba(37, 99, 235, 0.07); border: 1.5px solid #2563EB; }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-epm .cl-cp-bandeau-k { background: rgba(37, 99, 235, 0.12); color: #2563EB; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-bandeau-epm h3 { color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-epm .cl-cp-bandeau-titre span { color: #2563EB; }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-epm p { color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-adj { background: #F1F5F9; border: 1.5px solid var(--cl-silver-light); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-adj .cl-cp-bandeau-k { background: var(--cl-white); color: var(--cl-text-muted); border: 1px solid var(--cl-border); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-bandeau-adj h3 { color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-adj .cl-cp-bandeau-titre span { color: var(--cl-text-muted); }<!-- [et_pb_line_break_holder] -->.cl-cp-bandeau-adj p { color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Filtres *\/<!-- [et_pb_line_break_holder] -->.cl-cp-filtres { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 36px; }<!-- [et_pb_line_break_holder] -->.cl-cp-filtre {<!-- [et_pb_line_break_holder] -->  min-height: 44px;<!-- [et_pb_line_break_holder] -->  padding: 10px 18px;<!-- [et_pb_line_break_holder] -->  border-radius: 100px;<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.85rem;<!-- [et_pb_line_break_holder] -->  font-weight: 600;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-secondary);<!-- [et_pb_line_break_holder] -->  cursor: pointer;<!-- [et_pb_line_break_holder] -->  transition: all 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-filtre:hover { border-color: var(--cl-gold); color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-filtre[aria-pressed=\"true\"] { background: var(--cl-navy); border-color: var(--cl-navy); color: var(--cl-white); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-groupe { margin-bottom: 56px; }<!-- [et_pb_line_break_holder] -->.cl-cp-groupe:last-child { margin-bottom: 0; }<!-- [et_pb_line_break_holder] -->.cl-cp-groupe[hidden] { display: none; }<!-- [et_pb_line_break_holder] -->.cl-cp-cartes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }<!-- [et_pb_line_break_holder] -->.cl-cp-carte {<!-- [et_pb_line_break_holder] -->  position: relative;<!-- [et_pb_line_break_holder] -->  overflow: hidden;<!-- [et_pb_line_break_holder] -->  display: grid;<!-- [et_pb_line_break_holder] -->  grid-template-rows: auto 1fr auto;<!-- [et_pb_line_break_holder] -->  gap: 14px;<!-- [et_pb_line_break_holder] -->  padding: 28px 26px 18px;<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  min-width: 0;<!-- [et_pb_line_break_holder] -->  transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-carte::before {<!-- [et_pb_line_break_holder] -->  content: '';<!-- [et_pb_line_break_holder] -->  position: absolute;<!-- [et_pb_line_break_holder] -->  top: 0; left: 0; right: 0;<!-- [et_pb_line_break_holder] -->  height: 3px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-gold);<!-- [et_pb_line_break_holder] -->  transform: scaleX(0);<!-- [et_pb_line_break_holder] -->  transform-origin: left;<!-- [et_pb_line_break_holder] -->  transition: transform 0.4s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-carte:hover::before { transform: scaleX(1); }<!-- [et_pb_line_break_holder] -->.cl-cp-carte:hover { box-shadow: 0 16px 48px rgba(0, 0, 0, 0.06); border-color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-carte-haut { display: flex; justify-content: space-between; align-items: flex-start; gap: 10px; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-carte h4 { margin: 0; padding: 0; font-size: 1.15rem; font-weight: 800; line-height: 1.3; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-tag {<!-- [et_pb_line_break_holder] -->  flex: 0 0 auto;<!-- [et_pb_line_break_holder] -->  padding: 4px 10px;<!-- [et_pb_line_break_holder] -->  border-radius: 100px;<!-- [et_pb_line_break_holder] -->  background: #F1F5F9;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.7rem;<!-- [et_pb_line_break_holder] -->  font-weight: 600;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-secondary);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-carte > p { margin: 0; font-size: 0.9rem; line-height: 1.7; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] -->.cl-cp-carte > p strong { color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-carte details { border-top: 1px solid var(--cl-border); }<!-- [et_pb_line_break_holder] -->.cl-cp-carte details p { margin: 0 0 12px; font-size: 0.86rem; line-height: 1.7; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Accord\u00e9ons (fiches et FAQ) *\/<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-acc summary {<!-- [et_pb_line_break_holder] -->  list-style: none;<!-- [et_pb_line_break_holder] -->  display: flex;<!-- [et_pb_line_break_holder] -->  align-items: center;<!-- [et_pb_line_break_holder] -->  justify-content: space-between;<!-- [et_pb_line_break_holder] -->  gap: 16px;<!-- [et_pb_line_break_holder] -->  min-height: 44px;<!-- [et_pb_line_break_holder] -->  padding: 10px 0;<!-- [et_pb_line_break_holder] -->  cursor: pointer;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.88rem;<!-- [et_pb_line_break_holder] -->  font-weight: 700;<!-- [et_pb_line_break_holder] -->  color: var(--cl-gold);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-acc summary::-webkit-details-marker { display: none; }<!-- [et_pb_line_break_holder] -->.cl-cp-acc summary::after {<!-- [et_pb_line_break_holder] -->  content: '+';<!-- [et_pb_line_break_holder] -->  flex: 0 0 auto;<!-- [et_pb_line_break_holder] -->  font-size: 1.3rem;<!-- [et_pb_line_break_holder] -->  line-height: 1;<!-- [et_pb_line_break_holder] -->  transition: transform 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-acc[open] summary::after { transform: rotate(45deg); }<!-- [et_pb_line_break_holder] -->.cl-cp-acc summary:focus-visible { outline: 2px solid var(--cl-gold); outline-offset: 3px; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 TABLEAU COMPARATIF \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-legende {<!-- [et_pb_line_break_holder] -->  display: flex;<!-- [et_pb_line_break_holder] -->  flex-wrap: wrap;<!-- [et_pb_line_break_holder] -->  gap: 10px 24px;<!-- [et_pb_line_break_holder] -->  margin-bottom: 18px;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.82rem;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-secondary);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-legende span::before { margin-right: 6px; font-size: 1rem; }<!-- [et_pb_line_break_holder] -->.cl-cp-legende .f::before { content: '\u25cf'; color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-legende .p::before { content: '\u25d0'; color: #8A6F2C; }<!-- [et_pb_line_break_holder] -->.cl-cp-legende .a::before { content: '\u25cb'; color: var(--cl-silver-light); }<!-- [et_pb_line_break_holder] -->.cl-cp-defiler { font-style: italic; color: var(--cl-text-muted); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.cl-cp-table-box {<!-- [et_pb_line_break_holder] -->  overflow-x: auto;<!-- [et_pb_line_break_holder] -->  border-radius: 16px;<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  -webkit-overflow-scrolling: touch;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-table-box:focus-visible { outline: 2px solid var(--cl-gold); outline-offset: 3px; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table {<!-- [et_pb_line_break_holder] -->  width: 100%;<!-- [et_pb_line_break_holder] -->  min-width: 2700px;<!-- [et_pb_line_break_holder] -->  margin: 0;<!-- [et_pb_line_break_holder] -->  border-collapse: separate;<!-- [et_pb_line_break_holder] -->  border-spacing: 0;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.8rem;<!-- [et_pb_line_break_holder] -->  line-height: 1.5;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table caption { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table th,<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table td {<!-- [et_pb_line_break_holder] -->  padding: 14px 14px;<!-- [et_pb_line_break_holder] -->  border: 0;<!-- [et_pb_line_break_holder] -->  border-bottom: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  text-align: left;<!-- [et_pb_line_break_holder] -->  vertical-align: top;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-secondary);<!-- [et_pb_line_break_holder] -->  min-width: 140px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table thead th {<!-- [et_pb_line_break_holder] -->  background: var(--cl-navy);<!-- [et_pb_line_break_holder] -->  color: var(--cl-white);<!-- [et_pb_line_break_holder] -->  font-size: 0.82rem;<!-- [et_pb_line_break_holder] -->  font-weight: 700;<!-- [et_pb_line_break_holder] -->  white-space: nowrap;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table tbody th {<!-- [et_pb_line_break_holder] -->  position: sticky;<!-- [et_pb_line_break_holder] -->  left: 0;<!-- [et_pb_line_break_holder] -->  z-index: 1;<!-- [et_pb_line_break_holder] -->  min-width: 190px;<!-- [et_pb_line_break_holder] -->  background: #F8FAFC;<!-- [et_pb_line_break_holder] -->  border-right: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  font-weight: 700;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-primary);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table thead th:first-child {<!-- [et_pb_line_break_holder] -->  position: sticky;<!-- [et_pb_line_break_holder] -->  left: 0;<!-- [et_pb_line_break_holder] -->  z-index: 2;<!-- [et_pb_line_break_holder] -->  color: var(--cl-gold);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table thead th.hl { background: var(--cl-gold); color: var(--cl-navy); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table td.hl { background: rgba(200, 169, 96, 0.1); color: var(--cl-text-primary); font-weight: 600; }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table tbody tr:last-child th,<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table tbody tr:last-child td { border-bottom: 0; }<!-- [et_pb_line_break_holder] -->.cl-cp-table td.f::before,<!-- [et_pb_line_break_holder] -->.cl-cp-table td.p::before,<!-- [et_pb_line_break_holder] -->.cl-cp-table td.a::before { margin-right: 6px; font-size: 0.95rem; }<!-- [et_pb_line_break_holder] -->.cl-cp-table td.f::before { content: '\u25cf'; color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-table td.p::before { content: '\u25d0'; color: #8A6F2C; }<!-- [et_pb_line_break_holder] -->.cl-cp-table td.a::before { content: '\u25cb'; color: var(--cl-silver-light); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-table td.a { color: var(--cl-text-muted); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 FAQ \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-faq-grille { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.6fr); gap: 60px; align-items: start; }<!-- [et_pb_line_break_holder] -->.cl-cp-faq { display: grid; gap: 12px; }<!-- [et_pb_line_break_holder] -->.cl-cp-faq .cl-cp-acc {<!-- [et_pb_line_break_holder] -->  padding: 6px 24px;<!-- [et_pb_line_break_holder] -->  border-radius: 14px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->  transition: border-color 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-faq .cl-cp-acc[open] { border-color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-faq .cl-cp-acc summary { min-height: 56px; font-size: 1rem; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-faq .cl-cp-acc summary::after { color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-cp-faq .cl-cp-acc p { margin: 0 0 18px; font-size: 0.95rem; line-height: 1.75; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 GLOSSAIRE \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-glossaire { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 0; }<!-- [et_pb_line_break_holder] -->.cl-cp-glossaire div {<!-- [et_pb_line_break_holder] -->  padding: 22px 24px;<!-- [et_pb_line_break_holder] -->  border-radius: 14px;<!-- [et_pb_line_break_holder] -->  background: var(--cl-white);<!-- [et_pb_line_break_holder] -->  border: 1px solid var(--cl-border);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-glossaire dt { margin-bottom: 6px; font-weight: 800; font-size: 0.98rem; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-glossaire dd { margin: 0; font-size: 0.88rem; line-height: 1.65; color: var(--cl-text-secondary); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 CTA FINAL (identique) \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-page-cta {<!-- [et_pb_line_break_holder] -->  padding: 100px 24px;<!-- [et_pb_line_break_holder] -->  background: linear-gradient(145deg, var(--cl-navy), var(--cl-navy-light));<!-- [et_pb_line_break_holder] -->  text-align: center;<!-- [et_pb_line_break_holder] -->  position: relative;<!-- [et_pb_line_break_holder] -->  overflow: hidden;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-page-cta::before {<!-- [et_pb_line_break_holder] -->  content: '';<!-- [et_pb_line_break_holder] -->  position: absolute;<!-- [et_pb_line_break_holder] -->  width: 600px; height: 600px;<!-- [et_pb_line_break_holder] -->  border-radius: 50%;<!-- [et_pb_line_break_holder] -->  background: var(--cl-gold);<!-- [et_pb_line_break_holder] -->  filter: blur(200px);<!-- [et_pb_line_break_holder] -->  opacity: 0.06;<!-- [et_pb_line_break_holder] -->  top: 50%; left: 50%;<!-- [et_pb_line_break_holder] -->  transform: translate(-50%, -50%);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-page-cta-content { position: relative; max-width: 1000px; margin: 0 auto; }<!-- [et_pb_line_break_holder] -->.cl-page-cta .cl-section-label { justify-content: center; color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->.cl-page-cta .cl-section-title { color: var(--cl-white); font-size: clamp(1.75rem, 3.5vw, 2.5rem); margin-bottom: 16px; }<!-- [et_pb_line_break_holder] -->.cl-page-cta-desc {<!-- [et_pb_line_break_holder] -->  font-size: 1.05rem;<!-- [et_pb_line_break_holder] -->  color: rgba(255, 255, 255, 0.6);<!-- [et_pb_line_break_holder] -->  max-width: 620px;<!-- [et_pb_line_break_holder] -->  margin: 0 auto 36px;<!-- [et_pb_line_break_holder] -->  line-height: 1.7;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-page-cta-actions { display: flex !important; flex-direction: column !important; align-items: center; gap: 0 !important; }<!-- [et_pb_line_break_holder] -->.cl-cta-alt-link {<!-- [et_pb_line_break_holder] -->  display: inline-flex;<!-- [et_pb_line_break_holder] -->  align-items: center;<!-- [et_pb_line_break_holder] -->  gap: 7px;<!-- [et_pb_line_break_holder] -->  margin-top: 18px;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.88rem;<!-- [et_pb_line_break_holder] -->  color: rgba(255, 255, 255, 0.55) !important;<!-- [et_pb_line_break_holder] -->  text-decoration: underline !important;<!-- [et_pb_line_break_holder] -->  text-underline-offset: 4px;<!-- [et_pb_line_break_holder] -->  transition: color 0.3s, gap 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cta-alt-link:hover { color: var(--cl-gold) !important; gap: 11px; }<!-- [et_pb_line_break_holder] -->.cl-cp-piliers { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 56px; text-align: left; }<!-- [et_pb_line_break_holder] -->.cl-cp-pilier {<!-- [et_pb_line_break_holder] -->  padding: 22px 24px;<!-- [et_pb_line_break_holder] -->  border-radius: 12px;<!-- [et_pb_line_break_holder] -->  border: 1px solid rgba(255, 255, 255, 0.08);<!-- [et_pb_line_break_holder] -->  background: rgba(255, 255, 255, 0.03);<!-- [et_pb_line_break_holder] -->  transition: all 0.3s;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-pilier:hover { border-color: rgba(200, 169, 96, 0.2); background: rgba(200, 169, 96, 0.05); }<!-- [et_pb_line_break_holder] -->.cl-cp-pilier b {<!-- [et_pb_line_break_holder] -->  display: block;<!-- [et_pb_line_break_holder] -->  margin-bottom: 6px;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.75rem;<!-- [et_pb_line_break_holder] -->  font-weight: 700;<!-- [et_pb_line_break_holder] -->  letter-spacing: 0.08em;<!-- [et_pb_line_break_holder] -->  text-transform: uppercase;<!-- [et_pb_line_break_holder] -->  color: var(--cl-gold);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-pilier span { font-size: 0.92rem; line-height: 1.6; color: rgba(255, 255, 255, 0.75); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 SOURCES + AUTEUR \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->.cl-cp-sources-section { padding: 64px 24px 80px; background: var(--cl-white); border-top: 1px solid var(--cl-border); }<!-- [et_pb_line_break_holder] -->.cl-wrapper .cl-cp-sources-section h2 { margin: 0 0 20px; padding: 0; font-size: 1.15rem; font-weight: 800; color: var(--cl-text-primary); }<!-- [et_pb_line_break_holder] -->.cl-cp-sources {<!-- [et_pb_line_break_holder] -->  margin: 0;<!-- [et_pb_line_break_holder] -->  padding-left: 18px;<!-- [et_pb_line_break_holder] -->  columns: 2 320px;<!-- [et_pb_line_break_holder] -->  column-gap: 48px;<!-- [et_pb_line_break_holder] -->  font-family: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] -->  font-size: 0.85rem;<!-- [et_pb_line_break_holder] -->  line-height: 1.9;<!-- [et_pb_line_break_holder] -->  color: var(--cl-text-secondary);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.cl-cp-sources li { break-inside: avoid; }<!-- [et_pb_line_break_holder] -->.cl-cp-sources a { color: var(--cl-text-primary); text-underline-offset: 3px; }<!-- [et_pb_line_break_holder] -->.cl-cp-sources a:hover { color: var(--cl-gold); }<!-- [et_pb_line_break_holder] -->\/* \u2550\u2550\u2550 RESPONSIVE \u2550\u2550\u2550 *\/<!-- [et_pb_line_break_holder] -->@media (max-width: 1024px) {<!-- [et_pb_line_break_holder] -->  .cl-cp-bref, .cl-cp-priorites, .cl-cp-familles, .cl-cp-cartes { grid-template-columns: 1fr 1fr; }<!-- [et_pb_line_break_holder] -->  .cl-cp-cas { grid-template-columns: 1fr 1fr; }<!-- [et_pb_line_break_holder] -->  .cl-cp-cashlab-tete, .cl-cp-preuves, .cl-cp-faq-grille, .cl-cp-change-grille { grid-template-columns: 1fr; gap: 32px; }<!-- [et_pb_line_break_holder] -->  .cl-cp-identite { grid-template-columns: 1fr 1fr; }<!-- [et_pb_line_break_holder] -->  .cl-cp-atouts { grid-template-columns: 1fr 1fr; }<!-- [et_pb_line_break_holder] -->  .cl-cp-glossaire { grid-template-columns: 1fr 1fr; }<!-- [et_pb_line_break_holder] -->  .cl-cp-sommaire ol { grid-template-columns: 1fr 1fr; }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media (max-width: 860px) {<!-- [et_pb_line_break_holder] -->  .cl-cp-stats-grille, .cl-cp-excel, .cl-cp-piliers { grid-template-columns: 1fr; }<!-- [et_pb_line_break_holder] -->  .cl-cp-modules { grid-template-columns: 1fr; gap: 8px; }<!-- [et_pb_line_break_holder] -->  .cl-wrapper a.cl-cp-module,<!-- [et_pb_line_break_holder] -->  .cl-wrapper a.cl-cp-module:first-child,<!-- [et_pb_line_break_holder] -->  .cl-wrapper a.cl-cp-module:last-child { clip-path: none; border-radius: 10px; padding: 18px 20px; }<!-- [et_pb_line_break_holder] -->  .cl-wrapper a.cl-cp-module::before,<!-- [et_pb_line_break_holder] -->  .cl-wrapper a.cl-cp-module:first-child::before,<!-- [et_pb_line_break_holder] -->  .cl-wrapper a.cl-cp-module:last-child::before { inset: 2px; clip-path: none; border-radius: 8px; }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media (max-width: 768px) {<!-- [et_pb_line_break_holder] -->  .cl-page-hero { padding: 110px 24px 60px !important; }<!-- [et_pb_line_break_holder] -->  .cl-page-hero h1 { font-size: 2rem !important; }<!-- [et_pb_line_break_holder] -->  .cl-cp-section, .cl-page-cta, .cl-cp-stats, .cl-cp-change { padding: 64px 24px; }<!-- [et_pb_line_break_holder] -->  .cl-cp-bandeau { padding: 22px 20px; }<!-- [et_pb_line_break_holder] -->  .cl-wrapper .cl-cp-critere summary { grid-template-columns: 48px minmax(0, 1fr) 20px; gap: 16px; padding: 18px 20px; }<!-- [et_pb_line_break_holder] -->  .cl-cp-critere-num { width: 48px; height: 48px; font-size: 1.2rem; border-radius: 12px; }<!-- [et_pb_line_break_holder] -->  .cl-cp-critere > p { padding: 0 20px 22px; }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media (max-width: 640px) {<!-- [et_pb_line_break_holder] -->  .cl-cp-bref, .cl-cp-priorites, .cl-cp-familles, .cl-cp-cartes, .cl-cp-cas, .cl-cp-glossaire, .cl-cp-sommaire ol { grid-template-columns: 1fr; }<!-- [et_pb_line_break_holder] -->  .cl-cp-hero-chiffres { grid-template-columns: 1fr; max-width: 320px; }<!-- [et_pb_line_break_holder] -->  .cl-cp-roi, .cl-cp-identite, .cl-cp-atouts { grid-template-columns: 1fr; }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550<!-- [et_pb_line_break_holder] -->     VERSION FRAN\u00c7AISE<!-- [et_pb_line_break_holder] -->     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 &#8211;><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"cl-lang-fr notranslate\" translate=\"no\" data-no-translation><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"cl-wrapper\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 HERO \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-page-hero\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-hero-bg\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-grid-pattern\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-circle cl-circle-1\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-circle cl-circle-2\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-orb cl-orb-1\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-orb cl-orb-2\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-page-hero-content\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-page-hero-text\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Ressources \u00b7 Comparatif 2026<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h1>Logiciel de tr\u00e9sorerie : comparatif 2026 de <span class=\"cl-accent\">17 solutions pour ETI et groupes<\/span><\/h1>\n<p><!-- [et_pb_line_break_holder] -->        <pee class=\"cl-page-hero-desc\">Ce comparatif pr\u00e9sente 17 logiciels de tr\u00e9sorerie et de planification financi\u00e8re, ainsi qu\u2019Excel, du point de vue d\u2019une direction financi\u00e8re d\u2019ETI ou de grand compte multi-entit\u00e9s.<\/pee><!-- [et_pb_line_break_holder] -->        <pee class=\"cl-cp-meta\"><time datetime=\"2026-10-22\">22 octobre 2026<\/time> \u00b7 30 min de lecture<\/pee><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-hero-chiffres\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-hero-chiffre\"><b>17<\/b><span>solutions compar\u00e9es, plus Excel<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-hero-chiffre\"><b>3<\/b><span>familles de solutions<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-hero-chiffre\"><b>5<\/b><span>crit\u00e8res de choix<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 FIL D'ARIANE \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<nav class=\"cl-breadcrumb\" aria-label=\"Fil d'Ariane\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-breadcrumb-inner\"><!-- [et_pb_line_break_holder] -->      <a href=\"\/\">Accueil<\/a><!-- [et_pb_line_break_holder] -->      <span class=\"cl-breadcrumb-sep\">\u203a<\/span><!-- [et_pb_line_break_holder] -->      <span>Ressources<\/span><!-- [et_pb_line_break_holder] -->      <span class=\"cl-breadcrumb-sep\">\u203a<\/span><!-- [et_pb_line_break_holder] -->      <span class=\"cl-breadcrumb-current\">Comparatif logiciels de tr\u00e9sorerie<\/span><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/nav>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 EN BREF \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-reveal\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-transparence\"><!-- [et_pb_line_break_holder] -->        <svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M12 11v5M12 8h.01\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><!-- [et_pb_line_break_holder] -->        <pee style=\"margin:0\"><strong>Transparence.<\/strong> Ce comparatif est r\u00e9alis\u00e9 par Cashlab, \u00e9diteur de l\u2019une des solutions pr\u00e9sent\u00e9es. Il s\u2019appuie sur les informations publi\u00e9es par chaque \u00e9diteur sur son site et dans la presse sp\u00e9cialis\u00e9e (octobre 2026). Les sources figurent en fin d\u2019article.<\/pee><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">En bref<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">L\u2019essentiel du comparatif<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-bref\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-bref-carte\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-ico\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"7\" height=\"7\" rx=\"1.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><rect x=\"14\" y=\"3\" width=\"7\" height=\"7\" rx=\"1.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><rect x=\"3\" y=\"14\" width=\"18\" height=\"7\" rx=\"1.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><\/svg><\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Trois familles de solutions<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Les outils de suivi et de pr\u00e9vision de tr\u00e9sorerie (visibilit\u00e9 et anticipation du cash), les TMS (ex\u00e9cution : paiements, connectivit\u00e9 bancaire, risques) et les plateformes EPM (planification financi\u00e8re globale).<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-bref-carte\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-ico\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M9 11l3 3 8-8\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M20 12v7a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h9\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Cinq crit\u00e8res de choix<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>La complexit\u00e9 du groupe, l\u2019horizon de pr\u00e9vision, la place de l\u2019outil dans le syst\u00e8me d\u2019information, l\u2019accompagnement et le co\u00fbt total sur la dur\u00e9e.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-bref-carte\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-ico\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 21h18M5 21V8l7-5 7 5v13M9 21v-6h6v6\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Pour les ETI et grands comptes multi-entit\u00e9s<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Les points cl\u00e9s sont la consolidation par entit\u00e9 et au niveau du groupe, la pr\u00e9vision glissante \u00e0 13 semaines et le budget de tr\u00e9sorerie en m\u00e9thode directe et indirecte (TFT).<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<nav class=\"cl-cp-sommaire\" aria-label=\"Sommaire\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Sommaire<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<ol><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#priorites\">Les priorit\u00e9s des directions financi\u00e8res<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#pourquoi\">Pourquoi s\u2019\u00e9quiper<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#choisir\">Comment choisir<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#familles\">TMS, outil de pr\u00e9vision ou EPM<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#excel\">Quand passer d\u2019Excel \u00e0 un logiciel<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#solutions\">Les logiciels compar\u00e9s<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#tableau\">Le tableau comparatif<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#faq\">Questions fr\u00e9quentes<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<li><a href=\"#glossaire\">Glossaire<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/ol>\n<p><!-- [et_pb_line_break_holder] -->      <\/nav>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 PRIORIT\u00c9S 2026 \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-cp-gris cl-reveal\" id=\"priorites\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Contexte<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Quelles sont les priorit\u00e9s des directions financi\u00e8res en 2026 ?<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-texte\">G\u00e9opolitique, ralentissement \u00e9conomique, guerre commerciale, IA : la crise n\u2019est plus l\u2019exception, elle est devenue le contexte dans lequel les directions financi\u00e8res d\u00e9cident. Dans cet environnement, attendre le retour \u00e0 la normale n\u2019est plus une strat\u00e9gie. Les directeurs financiers sont au c\u0153ur des arbitrages : investissement, risques, cash et BFR. Pour les mener, ils ont besoin d\u2019une vision claire de leur tr\u00e9sorerie.<\/pee><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-texte\">C\u2019est ce que confirme la derni\u00e8re \u00e9tude PwC \/ DFCG sur les priorit\u00e9s des directions financi\u00e8res, men\u00e9e aupr\u00e8s de plus de 250 dirigeants financiers. Trois priorit\u00e9s se d\u00e9gagent pour 2026 :<\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-priorites\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-priorite\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-priorite-num\">01<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Des mod\u00e8les de pilotage de la performance plus pr\u00e9cis et \u00e9volutifs<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Face \u00e0 un environnement devenu impr\u00e9visible, les dirigeants financiers misent sur des mod\u00e8les de pilotage plus pr\u00e9cis, plus larges et plus \u00e9volutifs.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-priorite\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-priorite-num\">02<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>La gestion du cash, pour s\u00e9curiser la liquidit\u00e9<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Dans un contexte \u00e9conomique volatil, s\u00e9curiser la liquidit\u00e9, anticiper les besoins de financement et pr\u00e9server la capacit\u00e9 d\u2019investissement deviennent des enjeux centraux.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-priorite\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-priorite-num\">03<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>L\u2019efficacit\u00e9 des processus et de l\u2019organisation<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Elle entre dans le top 3, pour les grands groupes comme pour les ETI et les PME. Trois enjeux la portent : pr\u00e9server les ressources consacr\u00e9es \u00e0 la transformation malgr\u00e9 des co\u00fbts contraints, tirer parti de l\u2019automatisation, de la data visualisation et de l\u2019IA, qui exigent des processus harmonis\u00e9s, et rendre la fonction Finance plus attractive.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 CHIFFRES PWC \/ DFCG (bandeau pleine largeur) \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-stats cl-reveal\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-bande-bg\" aria-hidden=\"true\">\n<div class=\"cl-cp-bande-grille\"><\/div>\n<div class=\"cl-cp-bande-orb\"><\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Les besoins c\u00f4t\u00e9 tr\u00e9sorerie<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <pee class=\"cl-cp-stats-intro\">L\u2019\u00e9tude pr\u00e9cise aussi les besoins c\u00f4t\u00e9 tr\u00e9sorerie :<\/pee><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-stats-grille\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"cl-cp-stat\"><!-- [et_pb_line_break_holder] -->            <b>71 %<\/b><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-jauge\" aria-hidden=\"true\"><span style=\"width:71%\"><\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee>des entreprises ont un BFR non optimis\u00e9 qui compromet leur liquidit\u00e9. Un meilleur pilotage de la tr\u00e9sorerie est d\u00e9sign\u00e9 comme le premier levier pour am\u00e9liorer la gestion du cash.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"cl-cp-stat\"><!-- [et_pb_line_break_holder] -->            <b>43 %<\/b><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-jauge\" aria-hidden=\"true\"><span style=\"width:43%\"><\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee>jugent que le manque de visibilit\u00e9 sur les flux limite leurs d\u00e9cisions. Le cash forecasting et les algorithmes pr\u00e9dictifs fond\u00e9s sur l\u2019IA leur permettraient d\u2019anticiper et de gagner en r\u00e9activit\u00e9.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"cl-cp-stat\"><!-- [et_pb_line_break_holder] -->            <b>32 %<\/b><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-jauge\" aria-hidden=\"true\"><span style=\"width:32%\"><\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee>veulent d\u00e9ployer un outil (TMS avec int\u00e9gration bancaire automatis\u00e9e et r\u00e9conciliation bancaire) pour supprimer les ressaisies et automatiser reportings et contr\u00f4les.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <pee class=\"cl-cp-source\">Source : PwC \/ DFCG, Priorit\u00e9s des directions financi\u00e8res 2026<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-cp-gris cl-cp-suite cl-reveal\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Le benchmark<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Une nouvelle mani\u00e8re de mesurer et d\u2019anticiper la performance<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-texte\">IA, data, automatisation, tr\u00e9sorerie, consolidation, pilotage financier et op\u00e9rationnel : la mani\u00e8re dont les entreprises mesurent et anticipent leur performance est en train de profond\u00e9ment changer. Dans un environnement plus complexe, plus rapide et plus incertain, mesurer la performance pass\u00e9e ne suffit plus. Il faut d\u00e9sormais mieux exploiter la donn\u00e9e, tirer parti de l\u2019IA, automatiser certains processus, anticiper les trajectoires et rapprocher performance financi\u00e8re et op\u00e9rationnelle.<\/pee><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-reponse\">Ce benchmark compare 17 solutions de tr\u00e9sorerie et de planification financi\u00e8re \u00e0 l\u2019aune de ces priorit\u00e9s, du point de vue d\u2019une direction financi\u00e8re d\u2019ETI ou de grand compte multi-entit\u00e9s.<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 POURQUOI \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-reveal\" id=\"pourquoi\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Enjeux<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Pourquoi s\u2019\u00e9quiper d\u2019un logiciel de tr\u00e9sorerie ?<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-reponse\">Un logiciel de tr\u00e9sorerie remplace la consolidation manuelle des relev\u00e9s bancaires et des pr\u00e9visions par une collecte automatique et une m\u00e9thode commune \u00e0 toutes les entit\u00e9s. Il devient n\u00e9cessaire quand la tr\u00e9sorerie ne peut plus \u00eatre pilot\u00e9e sur des fichiers dispers\u00e9s.<\/pee><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-texte\">Dans beaucoup d\u2019organisations, la tr\u00e9sorerie reste suivie de fa\u00e7on fragment\u00e9e : relev\u00e9s t\u00e9l\u00e9charg\u00e9s banque par banque, fichiers consolid\u00e9s \u00e0 la main, pr\u00e9visions construites sur un mod\u00e8le que peu de personnes ma\u00eetrisent. Cette organisation tient tant que le groupe reste simple. Elle atteint ses limites dans quatre cas :<\/pee><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-cas\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cas-carte\"><span class=\"cl-cp-cas-num\">1<\/span><pee><strong>Plusieurs entit\u00e9s \u00e0 consolider<\/strong>en plusieurs devises, avec des flux intragroupe<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cas-carte\"><span class=\"cl-cp-cas-num\">2<\/span><pee><strong>Des actionnaires ou des banques qui attendent des r\u00e9ponses rapides<\/strong>notamment sous LBO ou avec des covenants \u00e0 respecter<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cas-carte\"><span class=\"cl-cp-cas-num\">3<\/span><pee><strong>Un BFR \u00e0 piloter<\/strong>quand les d\u00e9lais de paiement clients s\u2019allongent<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cas-carte\"><span class=\"cl-cp-cas-num\">4<\/span><pee><strong>Une \u00e9quipe finance qui change<\/strong>avec un mod\u00e8le dont le savoir-faire repose sur une ou deux personnes<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-texte\">Une solution d\u00e9di\u00e9e automatise la collecte des donn\u00e9es bancaires et comptables, applique une m\u00eame m\u00e9thode de pr\u00e9vision \u00e0 toutes les entit\u00e9s et conserve l\u2019historique des versions. Elle permet aussi de comparer le r\u00e9el au pr\u00e9visionnel. Le temps pass\u00e9 \u00e0 consolider se reporte sur l\u2019analyse et la d\u00e9cision.<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 COMMENT CHOISIR \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-cp-gris cl-reveal\" id=\"choisir\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">M\u00e9thode<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Comment choisir un logiciel de tr\u00e9sorerie ?<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-reponse\">Cinq crit\u00e8res permettent de choisir un logiciel de tr\u00e9sorerie : la complexit\u00e9 du groupe, l\u2019horizon de pr\u00e9vision, la place de l\u2019outil dans le syst\u00e8me d\u2019information, le niveau d\u2019accompagnement et le co\u00fbt total sur la dur\u00e9e.<\/pee><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-texte\">Le march\u00e9 r\u00e9unit des solutions aux origines tr\u00e8s diff\u00e9rentes. Avant de comparer les fonctionnalit\u00e9s, cinq questions permettent de cibler les solutions qui correspondent \u00e0 votre organisation.<\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-criteres\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-critere\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary><span class=\"cl-cp-critere-num\">1<\/span><\/p>\n<h3>Quelle est la complexit\u00e9 de votre groupe ?<\/h3>\n<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Une entreprise mono-entit\u00e9 aux flux simples n\u2019a pas les m\u00eames besoins qu\u2019un groupe multi-entit\u00e9s, multi-devises, avec des flux intragroupe. Les outils issus du march\u00e9 des PME couvrent bien le premier cas. Le second demande une consolidation par entit\u00e9 et au niveau du groupe.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-critere\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary><span class=\"cl-cp-critere-num\">2<\/span><\/p>\n<h3>Jusqu\u2019o\u00f9 voulez-vous projeter votre tr\u00e9sorerie ?<\/h3>\n<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Certaines solutions se concentrent sur le suivi des soldes et la pr\u00e9vision \u00e0 quelques semaines. D\u2019autres vont jusqu\u2019au budget de tr\u00e9sorerie, avec bilan et compte de r\u00e9sultat pr\u00e9visionnels. Pour les directions financi\u00e8res qui doivent relier tr\u00e9sorerie et contr\u00f4le de gestion, le budget de tr\u00e9sorerie en m\u00e9thode directe et indirecte (TFT), r\u00e9concili\u00e9, est un crit\u00e8re d\u00e9terminant.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-critere\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary><span class=\"cl-cp-critere-num\">3<\/span><\/p>\n<h3>Quel est le r\u00f4le de l\u2019outil dans votre syst\u00e8me d\u2019information ?<\/h3>\n<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Les TMS couvrent largement l\u2019ex\u00e9cution : connectivit\u00e9 bancaire, paiements, risques de change et de taux, conformit\u00e9. Ils s\u2019adressent surtout aux groupes dot\u00e9s d\u2019une \u00e9quipe tr\u00e9sorerie structur\u00e9e, mais mettent moins l\u2019accent sur la planification financi\u00e8re. Selon le TMS, le pr\u00e9visionnel court terme se limite parfois \u00e0 des fiches de pr\u00e9vision saisies en valeur ; un outil compl\u00e9mentaire permet alors de construire une pr\u00e9vision glissante \u00e0 13 semaines. De la m\u00eame fa\u00e7on, un TMS d\u00e9j\u00e0 en place peut \u00eatre compl\u00e9t\u00e9 par une solution d\u00e9di\u00e9e au budget de tr\u00e9sorerie en m\u00e9thode directe et indirecte, qui r\u00e9cup\u00e8re ses donn\u00e9es r\u00e9alis\u00e9es. Les plateformes financi\u00e8res plus larges (planification d\u2019entreprise, achats, reporting, consolidation l\u00e9gale) int\u00e8grent la tr\u00e9sorerie comme un module parmi d\u2019autres. Selon que vous ayez d\u00e9j\u00e0 un ERP, un TMS ou des outils de BI, la solution doit compl\u00e9ter l\u2019existant sans le dupliquer.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-critere\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary><span class=\"cl-cp-critere-num\">4<\/span><\/p>\n<h3>De quel accompagnement avez-vous besoin ?<\/h3>\n<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Le param\u00e9trage des r\u00e8gles de pr\u00e9vision, la structure des reportings et la formation des \u00e9quipes conditionnent l\u2019usage r\u00e9el de l\u2019outil. Le niveau d\u2019accompagnement propos\u00e9 varie fortement d\u2019un \u00e9diteur \u00e0 l\u2019autre : support technique, charg\u00e9 de compte, ou experts tr\u00e9sorerie pr\u00e9sents de l\u2019impl\u00e9mentation \u00e0 l\u2019utilisation.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-critere\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary><span class=\"cl-cp-critere-num\">5<\/span><\/p>\n<h3>Quel est le co\u00fbt r\u00e9el sur la dur\u00e9e ?<\/h3>\n<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Le prix d\u2019abonnement ne refl\u00e8te qu\u2019une partie du co\u00fbt. Certaines offres affichent un tarif d\u2019entr\u00e9e bas, puis facturent \u00e0 part les param\u00e9trages compl\u00e9mentaires, l\u2019assistance et le conseil, au fil des besoins. D\u2019autres int\u00e8grent l\u2019accompagnement dans leur prix, pour un co\u00fbt initial plus \u00e9lev\u00e9 mais plus pr\u00e9visible. La diff\u00e9rence compte surtout sur les sujets les plus complexes \u00e0 mod\u00e9liser : tableau de flux de tr\u00e9sorerie (TFT), projection du bilan, suivi de la dette nette et des covenants. Ces mod\u00e9lisations demandent un accompagnement m\u00e9tier soutenu au d\u00e9marrage. Pour comparer les offres, il est utile de demander le co\u00fbt total sur trois ans, mise en place, formation et assistance comprises.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 TROIS FAMILLES \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-reveal\" id=\"familles\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Les familles de solutions<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Quelle diff\u00e9rence entre un TMS, un outil de pr\u00e9vision de tr\u00e9sorerie et un EPM ?<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-reponse\">Un TMS g\u00e8re l\u2019ex\u00e9cution de la tr\u00e9sorerie, un outil de suivi et de pr\u00e9vision en donne la visibilit\u00e9 et l\u2019anticipation, et un EPM planifie la performance financi\u00e8re globale de l\u2019entreprise. Les trois peuvent coexister dans un m\u00eame syst\u00e8me d\u2019information.<\/pee><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-familles\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-famille cl-cp-famille-tms\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-famille-k\">Ex\u00e9cution<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>TMS (Treasury Management System)<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Connectivit\u00e9 bancaire, paiements, risques de change et de taux, cash pooling, conformit\u00e9.<\/pee><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-famille-ex\">Exemples : Kyriba, Diapason, Neofi, TIS, GTreasury.<\/span><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-famille cl-cp-famille-prev\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-famille-k\">Visibilit\u00e9 et anticipation<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Outil de suivi et de pr\u00e9vision de tr\u00e9sorerie<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Suivi quotidien des soldes, pr\u00e9vision glissante, budget de tr\u00e9sorerie, analyse des \u00e9carts et du BFR.<\/pee><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-famille-ex\">Exemples : Cashlab, Cegid Treasury, Agicap, Okimia, Ta\u00efga.<\/span><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-famille cl-cp-famille-epm\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-famille-k\">Planification<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>EPM (Enterprise Performance Management)<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Budget, pr\u00e9visions et \u00e9tats financiers \u00e0 l\u2019\u00e9chelle de l\u2019entreprise, souvent au-del\u00e0 de la finance ; la tr\u00e9sorerie y est un sujet de planification parmi d\u2019autres.<\/pee><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-famille-ex\">Exemples : Pigment, Board, Anaplan, Amelkis, Lucanet.<\/span><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 EXCEL \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-cp-gris cl-reveal\" id=\"excel\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Excel<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Quand passer d\u2019Excel \u00e0 un logiciel de tr\u00e9sorerie ?<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-reponse\">Il est temps de passer d\u2019Excel \u00e0 un logiciel de tr\u00e9sorerie quand la consolidation des entit\u00e9s, la mise \u00e0 jour des pr\u00e9visions ou la production des reportings d\u00e9pendent du temps disponible plut\u00f4t que du besoin de l\u2019entreprise.<\/pee><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-excel\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-excel-carte\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Un outil install\u00e9 et flexible<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Excel reste l\u2019outil le plus utilis\u00e9 pour le suivi et la pr\u00e9vision de tr\u00e9sorerie. Il est d\u00e9j\u00e0 install\u00e9, connu de toutes les \u00e9quipes finance et enti\u00e8rement flexible : chaque entreprise peut y construire le mod\u00e8le qui correspond \u00e0 son organisation. Pour une entreprise mono-entit\u00e9 aux flux simples, il r\u00e9pond souvent au besoin.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-excel-carte\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>La contrepartie de cette flexibilit\u00e9<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Cette flexibilit\u00e9 a une contrepartie. Excel n\u2019int\u00e8gre aucune logique de tr\u00e9sorerie : les relev\u00e9s bancaires et les donn\u00e9es comptables doivent \u00eatre import\u00e9s et retrait\u00e9s \u00e0 la main, \u00e0 chaque mise \u00e0 jour. La consolidation de plusieurs entit\u00e9s repose sur des liens entre fichiers, et le risque d\u2019erreur augmente avec leur nombre. Le mod\u00e8le d\u00e9pend souvent de la personne qui l\u2019a construit. Il n\u2019y a ni connexion bancaire, ni historique des versions, ni piste d\u2019audit. Le d\u00e9lai de production d\u2019un reporting d\u00e9pend du temps disponible pour le pr\u00e9parer.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-excel-carte cl-cp-excel-signaux\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Les signaux qui indiquent qu\u2019il est temps de passer \u00e0 une solution d\u00e9di\u00e9e<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<ul class=\"cl-cp-signaux\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<li><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M12 8v5M12 16h.01\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><span>La consolidation des entit\u00e9s prend plusieurs jours chaque mois<\/span><\/li>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<li><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M12 8v5M12 16h.01\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><span>La pr\u00e9vision \u00e0 13 semaines n\u2019est pas mise \u00e0 jour aussi souvent que n\u00e9cessaire<\/span><\/li>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<li><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M12 8v5M12 16h.01\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><span>Expliquer un \u00e9cart entre le r\u00e9el et le pr\u00e9visionnel demande de reconstruire le calcul<\/span><\/li>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<li><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M12 8v5M12 16h.01\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><span>Les actionnaires, les banques ou le comit\u00e9 attendent des reportings plus fr\u00e9quents ou plus d\u00e9taill\u00e9s<\/span><\/li>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<li><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\" stroke=\"currentColor\" stroke-width=\"1.8\"\/><path d=\"M12 8v5M12 16h.01\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/><\/svg><span>Le mod\u00e8le repose sur une seule personne, et son absence bloque la production<\/span><\/li>\n<p><!-- [et_pb_line_break_holder] -->          <\/ul>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 CE QUI CHANGE (bandeau pleine largeur) \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-change cl-reveal\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-bande-bg\" aria-hidden=\"true\">\n<div class=\"cl-cp-bande-grille\"><\/div>\n<div class=\"cl-cp-bande-orb\"><\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner cl-cp-change-grille\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Avec une solution d\u00e9di\u00e9e<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h3>Ce qui change avec une solution d\u00e9di\u00e9e<\/h3>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <pee>Adopter une solution d\u00e9di\u00e9e ne signifie pas forc\u00e9ment abandonner Excel. Le budget d\u2019exploitation, souvent construit dans Excel, peut \u00eatre import\u00e9 tel quel pour \u00eatre transform\u00e9 en budget de tr\u00e9sorerie. Les exports restent disponibles pour les analyses ponctuelles. Ce qui change, c\u2019est la production : les donn\u00e9es bancaires et comptables sont collect\u00e9es automatiquement, la m\u00eame m\u00e9thode s\u2019applique \u00e0 toutes les entit\u00e9s, et chaque version est conserv\u00e9e. Les \u00e9quipes passent moins de temps \u00e0 consolider et davantage \u00e0 analyser.<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 LES SOLUTIONS : EN-T\u00caTE + CASHLAB (bande claire pleine largeur) \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-cashlab cl-reveal\" id=\"solutions\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">17 solutions<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Les logiciels de tr\u00e9sorerie compar\u00e9s<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-cashlab-tete\" id=\"cashlab\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-cashlab-k\">Outil de suivi et de pr\u00e9vision<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3>Cashlab<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee class=\"cl-cp-resume\"><strong>En r\u00e9sum\u00e9 :<\/strong> outil de suivi et de pr\u00e9vision de tr\u00e9sorerie pour ETI et grands comptes multi-entit\u00e9s, qui r\u00e9unit suivi quotidien, pr\u00e9vision \u00e0 13 semaines et budget de tr\u00e9sorerie direct et indirect (TFT) r\u00e9concili\u00e9, avec un accompagnement par des experts tr\u00e9sorerie.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cashlab-chiffres\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><b>70+<\/b><span>clients<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><b>400<\/b><span>utilisateurs<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><b>20<\/b><span>pays<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><b>25 ans<\/b><span>d\u2019exp\u00e9rience cumul\u00e9e<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<dl class=\"cl-cp-identite\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>Cr\u00e9ation<\/dt>\n<dd>2017, Paris<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>Fondateur<\/dt>\n<dd>Benjamin Madjar, ancien consultant EY et Deloitte<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>C\u0153ur de cible<\/dt>\n<dd>ETI et grands comptes multi-entit\u00e9s, sans TMS ou avec un TMS \u00e0 compl\u00e9ter<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>Clients<\/dt>\n<dd>Brittany Ferries, Losch, LG Groupe, Carter Cash, Groupe Charlois, Maison Berger, Poiray, Transports Capelle<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/dl>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-cp-modules-intro\">L&rsquo;offre s&rsquo;articule en trois modules :<\/pee><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-modules\"><!-- [et_pb_line_break_holder] -->        <a class=\"cl-cp-module cl-cp-module-cfm\" href=\"\/pilotage-de-tresorerie\/cash-flow-management\/\" data-cl-cta=\"cp_module_cfm\" data-cl-cta-location=\"fiche_cashlab\"><b>Cash Flow Management<\/b><span>Suivi quotidien de la tr\u00e9sorerie, vision consolid\u00e9e de tous les soldes et de toutes les entit\u00e9s, communication bancaire (EBICS, SWIFT, API).<\/span><\/a><!-- [et_pb_line_break_holder] -->        <a class=\"cl-cp-module cl-cp-module-cf\" href=\"\/pilotage-de-tresorerie\/cash-forecasting\/\" data-cl-cta=\"cp_module_cf\" data-cl-cta-location=\"fiche_cashlab\"><b>Cash Forecasting<\/b><span>Reporting de tr\u00e9sorerie pour les filiales et en consolid\u00e9, projection des flux \u00e0 13 semaines (et plus) par IA, avec plusieurs m\u00e9thodologies (IA, engag\u00e9, statistique).<\/span><\/a><!-- [et_pb_line_break_holder] -->        <a class=\"cl-cp-module cl-cp-module-fp\" href=\"\/pilotage-de-tresorerie\/budget-de-tresorerie\/\" data-cl-cta=\"cp_module_fp\" data-cl-cta-location=\"fiche_cashlab\"><b>Financial Planning<\/b><span>Budget de tr\u00e9sorerie direct et indirect (TFT) r\u00e9concili\u00e9s, versions et analyses d&rsquo;\u00e9carts par entit\u00e9 et en consolid\u00e9.<\/span><\/a><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-atouts\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-atout\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h4>Connectivit\u00e9<\/h4>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Connexion aux banques par API, EBICS et serveur SFTP, et \u00e0 tous les ERP par API ou serveur SFTP (notamment SAP, Oracle, Microsoft Dynamics, Sage et Cegid).<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-atout\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h4>Communication bancaire<\/h4>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Relev\u00e9s r\u00e9cup\u00e9r\u00e9s par API, EBICS T ou serveur SFTP (formats CFONB, MT940, CAMT). Paiements \u00e9mis par EBICS TS ou SWIFT.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-atout\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h4>S\u00e9curit\u00e9<\/h4>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Plateforme certifi\u00e9e ISO 27001, CSA STAR, SOC 1 et SOC 2 Type II.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-atout\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h4>IA et application mobile<\/h4>\n<p><!-- [et_pb_line_break_holder] -->          <pee>L&rsquo;IA int\u00e9gr\u00e9e via un MCP permet d&rsquo;interroger les donn\u00e9es Cashlab en langage naturel depuis les IA compatibles (Claude, Gemini\u2026) et de pr\u00e9parer les reportings. L&rsquo;application mobile affiche les soldes du jour, par banque et par entit\u00e9.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-atout\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h4>Personnalisation et workflows<\/h4>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Structures de reporting param\u00e9tr\u00e9es selon chaque client, modules mis en place selon ses besoins. Des workflows organisent la collecte et la validation des pr\u00e9visions entre les entit\u00e9s et le si\u00e8ge.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-atout\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h4>Expertise et co-construction<\/h4>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Le laboratoire du cash : des experts tr\u00e9sorerie (25 ans d&rsquo;exp\u00e9rience cumul\u00e9e) accompagnent le client de l&rsquo;impl\u00e9mentation \u00e0 l&rsquo;utilisation, avec des formations certifi\u00e9es Qualiopi. Les fonctionnalit\u00e9s sont co-construites avec les clients, comme le r\u00e9cent module de suivi des cautions et garanties.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-preuves\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-roi\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><b>3 \u00e0 5 jours<\/b><span>de BFR gagn\u00e9s en moyenne<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><b>2 \u00e0 5 %<\/b><span>de frais bancaires \u00e9conomis\u00e9s<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<blockquote class=\"cl-cp-temoignage\"><p><!-- [et_pb_line_break_holder] -->          <pee>\u00ab Cashlab r\u00e9pond compl\u00e8tement \u00e0 notre besoin d&rsquo;avoir un budget de tr\u00e9sorerie, un bilan, un TFT pr\u00e9visionnel avec une mise en \u0153uvre simple et rapide. \u00bb<\/pee><!-- [et_pb_line_break_holder] -->          <cite>Nathalie Tamic, Tr\u00e9sori\u00e8re Groupe, Brittany Ferries<\/cite><!-- [et_pb_line_break_holder] -->        <\/p><\/blockquote>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-cashlab-actions\"><!-- [et_pb_line_break_holder] -->        <a href=\"\/planifier-une-demo\/\" class=\"cl-btn-primary\" data-cl-cta=\"cp_fiche_demo\" data-cl-cta-location=\"fiche_cashlab\"><!-- [et_pb_line_break_holder] -->          Demander une d\u00e9monstration<!-- [et_pb_line_break_holder] -->          <svg width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><!-- [et_pb_line_break_holder] -->        <\/a><!-- [et_pb_line_break_holder] -->        <a href=\"\/pilotage-de-tresorerie\/connectivite-et-reportings\/\" class=\"cl-cp-lien\" data-cl-cta=\"cp_fiche_modules\" data-cl-cta-location=\"fiche_cashlab\">Voir la plateforme <svg width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 LES AUTRES SOLUTIONS \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-cp-solutions cl-reveal\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <!-- Filtres --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-filtres\" role=\"group\" aria-label=\"Filtrer les solutions par famille\"><!-- [et_pb_line_break_holder] -->        <button type=\"button\" class=\"cl-cp-filtre\" data-cp-filtre=\"tout\" aria-pressed=\"true\">Toutes les familles<\/button><!-- [et_pb_line_break_holder] -->        <button type=\"button\" class=\"cl-cp-filtre\" data-cp-filtre=\"tms\" aria-pressed=\"false\">TMS et suites de tr\u00e9sorerie<\/button><!-- [et_pb_line_break_holder] -->        <button type=\"button\" class=\"cl-cp-filtre\" data-cp-filtre=\"prev\" aria-pressed=\"false\">Outils de suivi et de pr\u00e9vision<\/button><!-- [et_pb_line_break_holder] -->        <button type=\"button\" class=\"cl-cp-filtre\" data-cp-filtre=\"epm\" aria-pressed=\"false\">Planification financi\u00e8re (EPM)<\/button><!-- [et_pb_line_break_holder] -->        <button type=\"button\" class=\"cl-cp-filtre\" data-cp-filtre=\"adj\" aria-pressed=\"false\">Solutions adjacentes<\/button><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <!-- TMS et suites --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-groupe\" data-cp-famille=\"tms\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-bandeau cl-cp-bandeau-tms\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-bandeau-k\">Ex\u00e9cution<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"cl-cp-bandeau-titre\">\n<h3>TMS et suites de tr\u00e9sorerie<\/h3>\n<p><span>6 solutions<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cartes\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Cegid (Cegid Treasury, ex-Cashsolve)<\/h4>\n<p><span class=\"cl-cp-tag\">Suite de tr\u00e9sorerie<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> offre tr\u00e9sorerie d\u2019un \u00e9diteur de gestion fran\u00e7ais, d\u00e9clin\u00e9e de la PME (Exabanque) au groupe international (Allmybanks), avec un module Financial Planning pour le budget de tr\u00e9sorerie direct et indirect.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Cegid a rachet\u00e9 le Groupe ACA en 2021, \u00e9diteur des logiciels de tr\u00e9sorerie Cashsolve et Thetys, puis Exalog (Allmybanks, Exabanque) en juillet 2024. L&rsquo;offre est aujourd&rsquo;hui r\u00e9partie entre Cegid Treasury (ETI et grandes entreprises), Allmybanks (groupes de plus de 500 salari\u00e9s, multi-entit\u00e9s internationaux) et Exabanque (PME de 10 \u00e0 500 salari\u00e9s en zone SEPA).<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Cegid Treasury se compose de quatre modules : Payment Factory, Cash Management, Cash Forecasting (pr\u00e9vision glissante \u00e0 13 semaines) et Financial Planning (\u00e9tats financiers pr\u00e9visionnels, covenants, r\u00e9conciliation direct\/indirect). La connectivit\u00e9 bancaire passe par SWIFTNet, EBICS TS et host-to-host. Cegid met en avant les utilisateurs illimit\u00e9s sans surco\u00fbt et l&rsquo;h\u00e9bergement des donn\u00e9es en France.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Allmybanks regroupe la gestion bancaire (relev\u00e9s, paiements, encaissements, workflow de validation, signature num\u00e9rique), la tr\u00e9sorerie groupe (cash pooling, gestion intragroupe, contr\u00f4le des frais bancaires, risque de change) et le reporting. Des options s&rsquo;y ajoutent : interface comptable, rapprochement comptable automatis\u00e9, centrale de paiements (PoBo) et mandath\u00e8que. La solution est certifi\u00e9e ISO 27001 et ISAE 3402 et connect\u00e9e au r\u00e9seau SWIFT. C\u00f4t\u00e9 pr\u00e9vision, Cegid Treasury permet la collecte collaborative des pr\u00e9visions aupr\u00e8s des entit\u00e9s, l&rsquo;analyse des \u00e9carts r\u00e9el\/pr\u00e9visionnel et la comparaison de sc\u00e9narios. Clients cit\u00e9s : Savencia, Veepee, OVH, Hitachi, Chantiers de l&rsquo;Atlantique.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Kyriba<\/h4>\n<p><span class=\"cl-cp-tag\">TMS<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> TMS international pour grands groupes et multinationales, centr\u00e9 sur les liquidit\u00e9s, les paiements et les risques financiers.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Kyriba est un TMS fond\u00e9 en 2004 en France, dont le si\u00e8ge est aujourd&rsquo;hui aux \u00c9tats-Unis. L&rsquo;\u00e9diteur revendique plus de 3 000 clients dans plus de 100 pays, dont 30 % des soci\u00e9t\u00e9s du CAC 40. La cible est l&rsquo;ETI, le grand groupe et la multinationale, avec une offre Mid-Market et une offre Enterprise.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La plateforme couvre la gestion des liquidit\u00e9s, les paiements internationaux, les risques de change et de taux, le cash pooling, le netting, le BFR et les pr\u00e9visions assist\u00e9es par IA. Elle se connecte \u00e0 plusieurs milliers de banques (SWIFT, EBICS, H2H) et nativement \u00e0 SAP, Oracle, NetSuite et Microsoft Dynamics. Kyriba se positionne sur l&rsquo;\u00ab Enterprise Liquidity Management \u00bb.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Kyriba annonce une connexion \u00e0 plus de 10 000 banques d\u00e8s le d\u00e9ploiement. L&rsquo;offre est organis\u00e9e en cinq domaines (tr\u00e9sorerie, gestion des risques, paiements, connectivit\u00e9, fonds de roulement) autour d&rsquo;une plateforme appel\u00e9e \u00ab Liquidity Performance \u00bb. L&rsquo;\u00e9diteur met en avant TAI, son IA agentique, et la pr\u00e9vention de la fraude sur les paiements. Il s&rsquo;adresse aux grandes entreprises (plus d&rsquo;1 Md$ de chiffre d&rsquo;affaires), aux ETI, au secteur public et aux banques.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Diapason<\/h4>\n<p><span class=\"cl-cp-tag\">TMS<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> TMS modulaire fran\u00e7ais pour ETI et grands groupes, de la gestion des liquidit\u00e9s aux garanties et aux risques financiers.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Diapason est un \u00e9diteur fran\u00e7ais issu de MCC Soft (cr\u00e9\u00e9 en 1990), dont la marque Diapason date de 2008 et la plateforme myDiapason de 2022. Il revendique plus de 20 000 utilisateurs dans 50 pays et une pr\u00e9sence dans 20 \u00e0 40 % des soci\u00e9t\u00e9s du CAC 40 selon les sources. La cible est l&rsquo;ETI, le grand groupe, l&rsquo;institution financi\u00e8re et le family office.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La suite est modulaire : Liquidit\u00e9s, Paiements, Risques financiers, Garanties, Investissements et un module IA d&rsquo;aide \u00e0 la d\u00e9cision. Elle se connecte aux banques via SWIFT, EBICS et FTP, aux ERP SAP, Oracle, Cegid et Microsoft, et \u00e0 Power BI. Le d\u00e9ploiement est possible en SaaS ou sur site. Diapason a rachet\u00e9 Fairways Guaranties en 2025 et DeftHedge (risque de change) en 2026, et d\u00e9fend une approche \u00ab Treasury Value Management \u00bb.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Pour les ETI, Diapason met en avant une approche modulaire : d\u00e9marrer par le module le plus critique (myDiapason Liquidity, Payment, Risk, Guarantees ou Invest), puis ajouter les autres. Le \u00ab Treasury Value Management \u00bb repose sur quatre piliers : visibilit\u00e9 en temps r\u00e9el sur les flux, les risques et les engagements, analyses pr\u00e9dictives, vision partag\u00e9e entre tr\u00e9sorerie, finance et direction g\u00e9n\u00e9rale, et pilotage int\u00e9gr\u00e9. L&rsquo;\u00e9diteur est certifi\u00e9 ISO\/IEC 27001 et SOC 2 Type 2. Clients cit\u00e9s : Andros, Maisons du Monde, Fnac Darty, SNCF, La Poste, Lactalis, Eiffage.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Neofi<\/h4>\n<p><span class=\"cl-cp-tag\">TMS<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> TMS fran\u00e7ais orient\u00e9 paiements et interop\u00e9rabilit\u00e9 entre ERP, banques et applications.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Neofi est un \u00e9diteur fran\u00e7ais cr\u00e9\u00e9 en 2006 et int\u00e9gr\u00e9 au Groupe Sixaxe. Il revendique plus de 500 utilisateurs dans 18 pays, avec des clients comme Stellantis, Accor, AXA, BNP Paribas, SNCF et Orange.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>L&rsquo;offre couvre les paiements, la communication bancaire, la gestion de tr\u00e9sorerie, la pr\u00e9vision (NEOFI Forecast : sc\u00e9narios mensuels par rubrique budg\u00e9taire, calcul automatique des \u00e9carts), l&rsquo;anti-fraude, les frais bancaires, les pouvoirs bancaires et le rapprochement comptable. Son positionnement repose sur l&rsquo;interop\u00e9rabilit\u00e9 : collecter et transformer les flux entre ERP, banques et applications h\u00e9t\u00e9rog\u00e8nes, sans remplacer l&rsquo;existant.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Neofi pr\u00e9sente quatre offres : NEOFI TMS MASTER (gestion de tr\u00e9sorerie cl\u00e9 en main), NEOFI TMS (tr\u00e9sorerie avanc\u00e9e et adapt\u00e9e aux besoins), NEOFI TRMS (TMS compl\u00e9t\u00e9 par la gestion des risques) et NEOFI Exchange Hub (gestion des flux et orchestration des processus). Les modules incluent aussi le netting, la conformit\u00e9, la g\u00e9n\u00e9ration d&rsquo;\u00e9critures comptables, un moteur de r\u00e8gles et des tableaux de bord. Les environnements sont certifi\u00e9s ISO 27001. Clients cit\u00e9s : Edenred, MAIF, Bollor\u00e9, Carrefour, Natixis, Air Liquide, Enedis.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>TIS (Treasury Intelligence Solutions)<\/h4>\n<p><span class=\"cl-cp-tag\">TMS<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> plateforme allemande sp\u00e9cialis\u00e9e dans les paiements d\u2019entreprise et la connectivit\u00e9 bancaire.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>TIS est une fintech allemande fond\u00e9e en 2010, qui revendique plus de 300 clients, dont plus d&rsquo;un quart des soci\u00e9t\u00e9s du DAX. Elle a rachet\u00e9 Cashforce (pr\u00e9vision de tr\u00e9sorerie et BFR) en juin 2022.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La plateforme est centr\u00e9e sur les paiements : hub de paiements, connectivit\u00e9 bancaire, paiements internationaux, anti-fraude, filtrage des sanctions et workflows de validation. Elle ajoute la gestion des comptes bancaires, la visibilit\u00e9 sur le cash, la pr\u00e9vision assist\u00e9e par IA et le suivi du BFR. TIS revendique plus de 11 000 options de connexion bancaire (SWIFT, EBICS) et des connecteurs ERP pour SAP (certifi\u00e9), Oracle Fusion, NetSuite et Dynamics 365. L&rsquo;offre ne couvre pas la comptabilit\u00e9 de tr\u00e9sorerie ni la gestion des d\u00e9riv\u00e9s.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>TIS structure l&rsquo;offre en trois blocs : Payments Hub, Cash Visibility et Intelligence &amp; AI. La pr\u00e9vision par IA se recalibre automatiquement \u00e0 chaque cycle, et un assistant IA permet d&rsquo;interroger les donn\u00e9es de tr\u00e9sorerie en langage naturel, avec piste d&rsquo;audit. TIS annonce 80 Md$ de cash g\u00e9r\u00e9 chaque jour et 2 700 Md$ de transactions par an. Clients cit\u00e9s : Unilever, Siemens Gamesa, TomTom, Medtronic, Boehringer Ingelheim, Nintendo of Europe.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>GTreasury (Ripple Treasury)<\/h4>\n<p><span class=\"cl-cp-tag\">TMS<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> TMS am\u00e9ricain complet, devenu Ripple Treasury, avec une gestion native des actifs num\u00e9riques.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>GTreasury est un TMS am\u00e9ricain bas\u00e9 dans l&rsquo;Illinois, avec plus de 40 ans d&rsquo;historique. Ripple l&rsquo;a rachet\u00e9 en octobre 2025 pour 1 Md$ et a lanc\u00e9 en avril 2026 des fonctions natives d&rsquo;actifs num\u00e9riques (XRP, RLUSD) sous le nom Ripple Treasury.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La plateforme couvre la gestion des liquidit\u00e9s multi-devises, la pr\u00e9vision, les paiements, les instruments financiers et la comptabilit\u00e9 de couverture, la dette et les placements, ainsi que le rapprochement (via le rachat de SolveXia). La couche de connectivit\u00e9 ClearConnect relie banques, ERP (SAP, Oracle Fusion, NetSuite, Microsoft Dynamics) et d\u00e9positaires d&rsquo;actifs num\u00e9riques. La cible va des PME et ETI aux entreprises du Fortune 500.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Ripple Treasury y annonce 13 000 banques connect\u00e9es, 12 500 Md$ de volume de paiements et une mise en \u0153uvre en 90 jours pour la visibilit\u00e9 et la pr\u00e9vision de tr\u00e9sorerie. L&rsquo;offre comprend aussi le netting, la banque interne (in-house banking), le reporting r\u00e9glementaire et un portefeuille d&rsquo;actifs num\u00e9riques. L&rsquo;IA GSmart propose des agents dont chaque action est soumise \u00e0 validation humaine et trac\u00e9e. Clients cit\u00e9s : American Airlines, Volvo, Subway, Woolworths, STIHL, Hanesbrands.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <!-- Outils de suivi et de pr\u00e9vision --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-groupe\" data-cp-famille=\"prev\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-bandeau cl-cp-bandeau-prev\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-bandeau-k\">Visibilit\u00e9 et anticipation<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"cl-cp-bandeau-titre\">\n<h3>Outils de suivi et de pr\u00e9vision<\/h3>\n<p><span>3 solutions, en plus de Cashlab<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cartes\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Agicap<\/h4>\n<p><span class=\"cl-cp-tag\">Suivi et pr\u00e9vision<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> plateforme de tr\u00e9sorerie issue du march\u00e9 des PME, \u00e9tendue aux ETI, aux postes clients et fournisseurs et \u00e0 la facturation \u00e9lectronique.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Agicap est une fintech lyonnaise qui revendique plus de 8 000 directions financi\u00e8res clientes dans 12 pays. La cible historique est la PME (10 \u00e0 500 salari\u00e9s), avec une offre d\u00e9di\u00e9e aux ETI.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La plateforme couvre le suivi de tr\u00e9sorerie avec rapprochement automatique par IA, le pr\u00e9visionnel multi-horizons (jour, 13 semaines, annuel), les sc\u00e9narios, la consolidation multi-entit\u00e9s, le recouvrement, les paiements fournisseurs, les cartes, la dette et l&rsquo;affacturage. Les connexions passent par DSP2, EBICS TS, H2H et SWIFT pour les banques, et par API ou SFTP pour plus de 400 ERP. Agicap met en avant la simplicit\u00e9 d&rsquo;utilisation et la modularit\u00e9.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Agicap se pr\u00e9sente comme une plateforme IA qui fait le lien entre flux bancaires et comptables : tr\u00e9sorerie, postes clients et fournisseurs, paiements, gestion des d\u00e9penses et facturation \u00e9lectronique en tant que Plateforme Agr\u00e9\u00e9e. L&rsquo;offre ETI met en avant la consolidation Groupe (vision par soci\u00e9t\u00e9, banque ou compte), la r\u00e9cup\u00e9ration des flux par EBICS, la validation des paiements multi-bancaires via EBICS TS, la conversion du compte de r\u00e9sultat pr\u00e9visionnel en vision cash et la comparaison de sc\u00e9narios.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Agicap pr\u00e9sente \u00e9galement un budget de tr\u00e9sorerie en m\u00e9thode indirecte, construit \u00e0 partir du compte de r\u00e9sultat pr\u00e9visionnel. Chaque rubrique y est ventil\u00e9e en pourcentages vers des cat\u00e9gories de tr\u00e9sorerie, puis des d\u00e9lais de paiement sont appliqu\u00e9s pour obtenir un budget de tr\u00e9sorerie mensualis\u00e9. C\u2019est une approche utile, qui rel\u00e8ve de la m\u00e9thode directe : elle ne produit pas de tableau de flux de tr\u00e9sorerie (TFT), qui part du r\u00e9sultat et passe par la variation du BFR et du bilan.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Agicap propose aussi un charg\u00e9 de compte d\u00e9di\u00e9, une gestion des droits par profil, une application mobile et une connexion \u00e0 Claude. Pour les tr\u00e9soriers, Agicap propose le placement des exc\u00e9dents et la protection des pr\u00e9visions contre les risques de change et de taux.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Okimia (ex-Fygr)<\/h4>\n<p><span class=\"cl-cp-tag\">Suivi et pr\u00e9vision<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> logiciel de suivi et de pr\u00e9vision de tr\u00e9sorerie pour TPE et PME, avec des tarifs publics.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Fygr, fond\u00e9 en 2020 \u00e0 Paris, a pris le nom d&rsquo;Okimia le 18 juin 2026 en lan\u00e7ant un module de paiement. L&rsquo;\u00e9diteur revendique plus de 3 000 clients, principalement des TPE et PME, avec des tarifs publics \u00e0 partir de 69 \u20ac par mois.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Okimia propose la synchronisation multi-banques, la pr\u00e9vision au jour, \u00e0 la semaine ou au mois avec sc\u00e9narios, les tableaux de bord, la consolidation multi-entit\u00e9s, les virements SEPA via EBICS, les cartes d&rsquo;entreprise et le placement de tr\u00e9sorerie. Il se connecte aux logiciels comptables (Sage, Cegid, Pennylane), par API et via un serveur MCP. L&rsquo;\u00e9diteur met en avant une mise en route en quelques jours et publie des pages comparatives face \u00e0 Agicap, Pennylane, Qonto, Qotid, Trezy et Excel.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Okimia affiche plus de 2 000 banques connect\u00e9es et 1 Md\u20ac de flux analys\u00e9s chaque mois. Trois offres sont propos\u00e9es : Starter \u00e0 69 \u20ac HT par mois (1 entit\u00e9, 2 banques, 1 utilisateur), Pro \u00e0 104 \u20ac HT par mois (1 entit\u00e9, 4 banques, 3 utilisateurs) et Entreprise sur devis (consolidation multi-entit\u00e9s, banques et utilisateurs illimit\u00e9s), avec un essai gratuit de 7 jours. L&rsquo;\u00e9diteur annonce un pr\u00e9visionnel assist\u00e9 par IA, la construction d&rsquo;un business plan par IA, un account manager d\u00e9di\u00e9 et des donn\u00e9es h\u00e9berg\u00e9es en France.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Ta\u00efga<\/h4>\n<p><span class=\"cl-cp-tag\">Suivi et pr\u00e9vision<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> gamme fran\u00e7aise de logiciels de pr\u00e9vision, de budget, de recouvrement et de cautions pour groupes multi-entit\u00e9s.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Ta\u00efga est un \u00e9diteur fran\u00e7ais de logiciels de tr\u00e9sorerie et de cash management en SaaS, cr\u00e9\u00e9 en 2009 \u00e0 Neuilly-sur-Seine. Il revendique plus de 5 000 utilisateurs actifs dans 60 pays et plus de 100 entreprises clientes, de la PME au grand groupe international. La gamme compte cinq logiciels : Cash Forecast (pr\u00e9visions consolid\u00e9es multi-entit\u00e9s, multi-devises et multi-horizons), Budget (planification financi\u00e8re et budgets consolid\u00e9s), Cash Collection (recouvrement), Securities (cautions et engagements hors bilan) et Monitoring (analyses financi\u00e8res et reporting de suivi).<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Les donn\u00e9es sont collect\u00e9es par une technologie ETL depuis les ERP (SAP, Oracle, Sage, Microsoft Dynamics), les TMS et les flux bancaires SWIFT\/EBICS, ainsi que par import Excel, CSV, XML, FEC ou API REST. Cash Forecast g\u00e8re des pr\u00e9visions glissantes \u00e0 J+7, J+30, J+90 et au-del\u00e0, l&rsquo;analyse des \u00e9carts r\u00e9el\/pr\u00e9visionnel par filiale ou groupe, le cash pooling et les intercos. Le module Budget construit bilan, compte de r\u00e9sultat et cash flow pr\u00e9visionnels sur 12, 24 ou 36 mois \u00e0 partir de lois d&rsquo;apurement et d&rsquo;encaissement\/d\u00e9caissement, et \u00ab reboucle pr\u00e9visions directes et indirectes \u00bb. Budget et Cash Forecast sont deux logiciels distincts de la gamme.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Ta\u00efga se pr\u00e9sente comme \u00ab leader fran\u00e7ais des logiciels de tr\u00e9sorerie et de cash management SaaS \u00bb. L&rsquo;\u00e9diteur met en avant des consultants issus de la tr\u00e9sorerie et du credit management, un expert d\u00e9di\u00e9 par client, des formations incluses et une mise en production en 6 \u00e0 8 semaines. Il annonce 20 % du chiffre d&rsquo;affaires investi en R&amp;D. Clients cit\u00e9s : Groupe Tr\u00e8ves, SNCF R\u00e9seau, Vinci Construction, Groupe URCOOPA, Delsey.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <!-- EPM --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-groupe\" data-cp-famille=\"epm\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-bandeau cl-cp-bandeau-epm\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-bandeau-k\">Planification<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"cl-cp-bandeau-titre\">\n<h3>Plateformes de planification financi\u00e8re (EPM)<\/h3>\n<p><span>4 solutions<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Ces plateformes couvrent la planification de la performance \u00e0 l\u2019\u00e9chelle de l\u2019entreprise : budget, pr\u00e9visions, \u00e9tats financiers, consolidation, souvent au-del\u00e0 de la finance (ventes, RH, supply chain). La tr\u00e9sorerie y est abord\u00e9e par la planification du cash flow, \u00e0 mod\u00e9liser dans la plateforme, sans connectivit\u00e9 bancaire ni suivi quotidien des soldes annonc\u00e9s.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cartes\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Pigment<\/h4>\n<p><span class=\"cl-cp-tag\">EPM<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> plateforme fran\u00e7aise de planification d\u2019entreprise (EPM) fond\u00e9e sur l\u2019IA, pour la finance et les op\u00e9rations.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Pigment est une plateforme fran\u00e7aise de planification d\u2019entreprise (EPM \/ FP&amp;A), fond\u00e9e en 2019 par El\u00e9onore Crespo et Romain Niccoli. Elle a annonc\u00e9 en octobre 2026 une lev\u00e9e de 250 M$, qui la valorise 2,3 Md$, et d\u00e9passe 100 M$ de revenus annuels r\u00e9currents. Clients cit\u00e9s : Danone, Siemens, Vinci Airports, Europcar, L\u2019Or\u00e9al, Unilever, Klarna, Figma.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La plateforme couvre le budget et les pr\u00e9visions avec analyse des \u00e9carts, le compte de r\u00e9sultat, le cash flow et le bilan, la consolidation, la planification long terme, les OPEX et CAPEX, le BFR, les effectifs et le chiffre d\u2019affaires, ainsi que les ventes, les RH et la supply chain. Des agents IA analysent les donn\u00e9es (Analyst Agent) et construisent des mod\u00e8les \u00e0 partir de demandes en langage naturel (Modeler Agent) ; un agent de simulation de sc\u00e9narios est annonc\u00e9. Pigment propose des connecteurs natifs, des API ouvertes et des imports programm\u00e9s. La plateforme est certifi\u00e9e ISO 27001 et SOC 2 Type 2, avec un h\u00e9bergement \u00e0 Francfort ou dans l\u2019Oregon.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Board<\/h4>\n<p><span class=\"cl-cp-tag\">EPM<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> plateforme suisse qui r\u00e9unit BI et planification de la performance (EPM).<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Board est un \u00e9diteur suisse fond\u00e9 en 1994, qui revendique plus de 2 000 entreprises clientes. Il r\u00e9unit dans une m\u00eame plateforme la BI et la planification de la performance (EPM) et se pr\u00e9sente comme Leader du Magic Quadrant Gartner 2025 des logiciels de planification financi\u00e8re.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>L\u2019offre finance couvre la planification et l\u2019analyse financi\u00e8re (FP&amp;A), la cl\u00f4ture, la consolidation et le reporting, la pr\u00e9vision et l\u2019analyse des flux de tr\u00e9sorerie, la planification des investissements, la planification long terme et le reporting de gestion. D\u2019autres modules couvrent la supply chain, les RH et la performance commerciale. Board propose des agents IA (FP&amp;A Agent, Controller Agent) et un serveur MCP, et se connecte aux ERP, outils de BI et sources de donn\u00e9es. Clients cit\u00e9s : Volkswagen, BASF, Burberry, Decathlon, Kraft Heinz.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Anaplan<\/h4>\n<p><span class=\"cl-cp-tag\">EPM<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> plateforme de planification connect\u00e9e pour grandes entreprises et multinationales.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Anaplan est un \u00e9diteur fond\u00e9 en 2006 au Royaume-Uni, cot\u00e9 en 2018 puis rachet\u00e9 en 2022 par le fonds Thoma Bravo pour 10,7 Md$. Il s\u2019adresse aux grandes entreprises et multinationales aux mod\u00e8les complexes, avec une approche de \u00ab connected planning \u00bb qui relie finance, ventes et supply chain.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>L\u2019offre finance comprend la planification financi\u00e8re int\u00e9gr\u00e9e, les \u00e9tats financiers int\u00e9gr\u00e9s, la consolidation (conversion des devises, op\u00e9rations intragroupe, tableaux de flux de tr\u00e9sorerie), le FP&amp;A, la planification long terme et le reporting de gestion. Anaplan Intelligence propose des agents IA par m\u00e9tier, dont un agent tr\u00e9sorerie consacr\u00e9 \u00e0 la liquidit\u00e9 et au cash. Clients cit\u00e9s : Unilever, Manulife, Coca-Cola, Bayer, NVIDIA. Selon Daf-Mag, les grands d\u00e9ploiements durent de 12 \u00e0 24 mois, pour un prix d\u2019entr\u00e9e estim\u00e9 autour de 200 000 $ par an.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Amelkis<\/h4>\n<p><span class=\"cl-cp-tag\">EPM<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> solution fran\u00e7aise de consolidation et de pilotage de la performance pour PME et ETI.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Amelkis est un \u00e9diteur fran\u00e7ais de consolidation et de pilotage de la performance, actif depuis plus de 20 ans (solution Opera, puis Amelkis EPM depuis 2023). Selon son partenaire Smarthys, plus de 3 000 groupes sont consolid\u00e9s chaque ann\u00e9e sur la solution, directement ou via des cabinets d\u2019expertise comptable. La cible est la PME et l\u2019ETI.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La plateforme couvre la consolidation multi-normes (IFRS, normes fran\u00e7aises), la r\u00e9conciliation intragroupe, le budget et le business plan, le reporting de gestion, le cr\u00e9dit-bail (IFRS 16), le reporting ESG et CSRD, l\u2019ESEF et le CbCR. L\u2019IA est utilis\u00e9e pour les pr\u00e9visions, l\u2019analyse pr\u00e9dictive et la d\u00e9tection d\u2019anomalies. Amelkis s\u2019int\u00e8gre aux ERP, par API et \u00e0 Power BI, avec un h\u00e9bergement europ\u00e9en. Le cash flow y appara\u00eet comme une vue de reporting ; aucun module de tr\u00e9sorerie d\u00e9di\u00e9 n\u2019est annonc\u00e9. Clients cit\u00e9s : Etam, Assystem, Barbara Bui.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <!-- Adjacentes --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-groupe\" data-cp-famille=\"adj\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-bandeau cl-cp-bandeau-adj\"><!-- [et_pb_line_break_holder] -->          <span class=\"cl-cp-bandeau-k\">Module d\u2019une offre plus large<\/span><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"cl-cp-bandeau-titre\">\n<h3>Solutions adjacentes<\/h3>\n<p><span>3 solutions<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Ces trois solutions abordent la tr\u00e9sorerie comme un module d&rsquo;une offre plus large. Elles figurent dans le benchmark parce qu&rsquo;elles peuvent \u00eatre \u00e9tudi\u00e9es par les m\u00eames directions financi\u00e8res, sur un besoin diff\u00e9rent.<\/pee><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-cartes\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>EMAsphere<\/h4>\n<p><span class=\"cl-cp-tag\">Reporting<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> plateforme belge de reporting et de pilotage financier pour PME et ETI.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>EMAsphere est une plateforme belge de pilotage financier fond\u00e9e en 2015, avec des bureaux \u00e0 Gand, Louvain-la-Neuve et Levallois-Perret. Elle s&rsquo;adresse aux CFO et dirigeants de PME et ETI.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>La tr\u00e9sorerie y est un module parmi d&rsquo;autres : consolidation (\u00e9liminations intercos, multi-devises), reporting op\u00e9rationnel avec plus de 100 KPI, budget et reforecast, et suivi de la tr\u00e9sorerie (soldes bancaires, DSO, DPO, BFR). Plus de 250 connecteurs alimentent la plateforme depuis les logiciels comptables, les banques (notamment via Isabel Connect) et les outils commerciaux ou RH. EMAsphere est distribu\u00e9 aupr\u00e8s des PME par des partenaires comme BNP Paribas ou EBP.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>EMAsphere revendique plus de 10 000 clients et se pr\u00e9sente comme une plateforme de donn\u00e9es native finance, dot\u00e9e d&rsquo;une couche s\u00e9mantique et interrogeable en langage naturel par IA, avec un serveur MCP et une API ouverte vers Power BI ou Tableau. Elle s&rsquo;adresse aux CFO, aux dirigeants et aux \u00e9diteurs de logiciels, qui peuvent l&rsquo;int\u00e9grer en marque blanche. Clients cit\u00e9s : Eurostar, Securex, Sothys, Louyet Group, Club Brugge.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Payflows<\/h4>\n<p><span class=\"cl-cp-tag\">Suite finance<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> suite finance fran\u00e7aise centr\u00e9e sur les achats, les paiements et la facturation \u00e9lectronique.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Payflows est une fintech parisienne cr\u00e9\u00e9e en 2022, qui a lev\u00e9 25 M\u20ac en s\u00e9rie A en 2024 et est Plateforme Agr\u00e9\u00e9e (PA) de facturation \u00e9lectronique depuis avril 2026. Elle cible les directions financi\u00e8res d&rsquo;entreprises de plus de 300 salari\u00e9s, ETI et grands groupes.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>L&rsquo;outil se pr\u00e9sente comme une surcouche au grand livre de l&rsquo;ERP. Il couvre les achats (procure-to-pay), les paiements fournisseurs, la tr\u00e9sorerie (pr\u00e9visions, rapprochement bancaire, paiements internationaux), le recouvrement et la facturation \u00e9lectronique. La tr\u00e9sorerie y est un module d&rsquo;une suite financi\u00e8re, et non le c\u0153ur de l&rsquo;offre.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Payflows se d\u00e9crit comme \u00ab The Enterprise Finance OS \u00bb. L&rsquo;offre est organis\u00e9e en quatre produits : Apollo (de la demande d&rsquo;achat \u00e0 la r\u00e9ception), Vera (de la demande fournisseur au contrat), Athena (de la comptabilit\u00e9 fournisseurs au reporting fiscal) et Metis (du paiement au rapprochement bancaire). La partie tr\u00e9sorerie couvre la visibilit\u00e9 sur le cash, les pr\u00e9visions, le rapprochement, les paiements internationaux et le suivi des risques. Payflows propose des agents IA (traitement des factures, renouvellement des contrats, support aux collaborateurs) et annonce des pr\u00e9visions de tr\u00e9sorerie 60 % plus pr\u00e9cises. Clients cit\u00e9s : Safran, Leroy Merlin, Ledger, Swile, Alan, Monaco Telecom.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<article class=\"cl-cp-carte\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"cl-cp-carte-haut\">\n<h4>Lucanet<\/h4>\n<p><span class=\"cl-cp-tag\">Consolidation<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><strong>En r\u00e9sum\u00e9 :<\/strong> plateforme allemande de consolidation l\u00e9gale et de planification financi\u00e8re.<\/pee><!-- [et_pb_line_break_holder] -->            <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->              <\/p>\n<summary>Lire la fiche<\/summary>\n<p><!-- [et_pb_line_break_holder] -->              <pee>Lucanet est un \u00e9diteur allemand qui se pr\u00e9sente comme une \u00ab CFO Solution Platform \u00bb. Il cible les entreprises europ\u00e9ennes de taille moyenne et les groupes multi-entit\u00e9s de 50 \u00e0 5 000 salari\u00e9s.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Le c\u0153ur de l&rsquo;offre est la consolidation l\u00e9gale (IFRS, HGB) et la planification financi\u00e8re, compl\u00e9t\u00e9es par le reporting ESG, la liasse, le XBRL, la fiscalit\u00e9, les contrats de location et un module Banking &amp; Cash Management. Ce module donne acc\u00e8s \u00e0 plus de 13 000 connexions bancaires (EBICS, SWIFT, API open banking, H2H), aux positions de tr\u00e9sorerie, au cash pooling et \u00e0 la planification de liquidit\u00e9. Lucanet se connecte \u00e0 SAP, Microsoft Dynamics, Oracle, DATEV et Sage, et met en avant une mise en \u0153uvre port\u00e9e par la finance, en 3 \u00e0 6 mois.<\/pee><!-- [et_pb_line_break_holder] -->              <pee>Lucanet revendique plus de 6 500 clients dans le monde et 25 ans d&rsquo;expertise en finance et fiscalit\u00e9. Lucanet propose le rapprochement intercos, le reporting de gestion, la BI, la planification des effectifs et la conformit\u00e9 Pilier 2. L&rsquo;\u00e9diteur annonce plus de 300 adaptateurs ETL pour l&rsquo;int\u00e9gration des donn\u00e9es et une couche d&rsquo;IA (agents de workflow, interface conversationnelle Lucanet Lume). Clients cit\u00e9s : Allianz, Bayer, Volkswagen, Hannover Re, Trivago.<\/pee><!-- [et_pb_line_break_holder] -->            <\/details>\n<p><!-- [et_pb_line_break_holder] -->          <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 TABLEAU COMPARATIF \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-cp-gris cl-reveal\" id=\"tableau\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Vue d\u2019ensemble<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Tableau comparatif des logiciels de tr\u00e9sorerie 2026<\/h2>\n<p><!-- [et_pb_line_break_holder] -->        <pee class=\"cl-section-subtitle\">Les chiffres et certifications sont ceux revendiqu\u00e9s par chaque \u00e9diteur ou repris par la presse sp\u00e9cialis\u00e9e.<\/pee><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-legende\"><!-- [et_pb_line_break_holder] -->        <span class=\"f\">couvert<\/span><!-- [et_pb_line_break_holder] -->        <span class=\"p\">partiel ou sous condition<\/span><!-- [et_pb_line_break_holder] -->        <span class=\"a\">absent, ou non annonc\u00e9 sur le site de l\u2019\u00e9diteur (ce qui ne veut pas dire absent)<\/span><!-- [et_pb_line_break_holder] -->        <span class=\"cl-cp-defiler\">Faites d\u00e9filer le tableau horizontalement \u2192<\/span><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-table-box\" tabindex=\"0\" role=\"region\" aria-label=\"Tableau comparatif, d\u00e9filement horizontal\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<table class=\"cl-cp-table\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<caption>Comparatif de 17 logiciels de tr\u00e9sorerie et d\u2019Excel selon 15 crit\u00e8res<\/caption>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<thead><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Crit\u00e8re<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Excel<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\" class=\"hl\">Cashlab<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Cegid Treasury<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Kyriba<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Diapason<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Neofi<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">TIS<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">GTreasury<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Agicap<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Okimia<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Ta\u00efga<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Pigment<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Board<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Anaplan<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Amelkis<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">EMAsphere<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Payflows<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"col\">Lucanet<\/th>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->          <\/thead>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<tbody><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Si\u00e8ge social<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td>Microsoft<\/td>\n<td class=\"hl\">Paris<\/td>\n<td>Cegid (Lyon) ; ex-Cashsolve, rachet\u00e9 en 2021<\/td>\n<td>France 2004, si\u00e8ge aux \u00c9tats-Unis<\/td>\n<td>Paris, 1990<\/td>\n<td>France 2006, Groupe Sixaxe<\/td>\n<td>Allemagne, 2010<\/td>\n<td>\u00c9tats-Unis ; Ripple depuis 2025<\/td>\n<td>Lyon<\/td>\n<td>Paris, 2020 (ex-Fygr)<\/td>\n<td>Neuilly-sur-Seine, 2009<\/td>\n<td>France, 2019<\/td>\n<td>Suisse, 1994<\/td>\n<td>Royaume-Uni, 2006 ; Thoma Bravo depuis 2022<\/td>\n<td>France, plus de 20 ans<\/td>\n<td>Belgique, 2015<\/td>\n<td>Paris, 2022<\/td>\n<td>Allemagne<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Positionnement<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td>Tableur<\/td>\n<td class=\"hl\">Outil de suivi et de pr\u00e9visions<\/td>\n<td>Outil de suivi et de pr\u00e9visions<\/td>\n<td>TMS<\/td>\n<td>TMS<\/td>\n<td>TMS<\/td>\n<td>TMS<\/td>\n<td>TMS<\/td>\n<td>Outil de suivi et de pr\u00e9visions<\/td>\n<td>Outil de suivi et de pr\u00e9visions<\/td>\n<td>Outil de suivi et de pr\u00e9visions<\/td>\n<td>EPM<\/td>\n<td>EPM<\/td>\n<td>EPM<\/td>\n<td>EPM<\/td>\n<td>Reporting et pilotage financier<\/td>\n<td>Suite finance (achats, paiements)<\/td>\n<td>EPM (consolidation et planification)<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Cible<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td>Toutes tailles<\/td>\n<td class=\"hl\">ETI et grands comptes multi-entit\u00e9s<\/td>\n<td>PME \u00e0 groupes internationaux<\/td>\n<td>ETI, grands groupes, multinationales<\/td>\n<td>ETI, grands groupes, institutions financi\u00e8res<\/td>\n<td>Grands comptes<\/td>\n<td>Grandes entreprises<\/td>\n<td>ETI \u00e0 Fortune 500<\/td>\n<td>PME et ETI<\/td>\n<td>TPE et PME<\/td>\n<td>Groupes, de la PME au grand groupe<\/td>\n<td>ETI, scale-ups, grands groupes<\/td>\n<td>ETI et grandes entreprises<\/td>\n<td>Grandes entreprises et multinationales<\/td>\n<td>PME et ETI, cabinets comptables<\/td>\n<td>PME et ETI<\/td>\n<td>Plus de 300 salari\u00e9s, ETI, grands groupes<\/td>\n<td>Groupes de 50 \u00e0 5 000 salari\u00e9s<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Suivi quotidien de la tr\u00e9sorerie<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"p\">Manuel<\/td>\n<td class=\"f hl\">Multi-banques, multi-entit\u00e9s<\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Soldes bancaires<\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Pr\u00e9vision court terme<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"p\">Manuel<\/td>\n<td class=\"f hl\">13 semaines glissantes ; m\u00e9thodes IA, engag\u00e9, statistique<\/td>\n<td class=\"f\">13 semaines glissantes<\/td>\n<td class=\"f\">Pr\u00e9visions IA<\/td>\n<td class=\"f\">Analyses pr\u00e9dictives<\/td>\n<td class=\"p\">Pr\u00e9vision mensuelle<\/td>\n<td class=\"f\">Pr\u00e9vision IA<\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\">Jour, 13 semaines, annuel<\/td>\n<td class=\"f\">Jour, semaine, mois<\/td>\n<td class=\"f\">J+7, J+30, J+90<\/td>\n<td class=\"p\">Pr\u00e9visions et cash flow \u00e0 mod\u00e9liser<\/td>\n<td class=\"p\">Pr\u00e9vision des flux de tr\u00e9sorerie<\/td>\n<td class=\"p\">Pr\u00e9visions financi\u00e8res<\/td>\n<td class=\"p\">Budget et pr\u00e9visions<\/td>\n<td class=\"f\">Pr\u00e9visions glissantes<\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\">Planification de liquidit\u00e9<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Budget de tr\u00e9sorerie direct et indirect (TFT)<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"p\">Manuel<\/td>\n<td class=\"f hl\">R\u00e9concili\u00e9s dans un m\u00eame module<\/td>\n<td class=\"f\">Module Financial Planning<\/td>\n<td class=\"p\">Liquidity planning annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Budget mensualis\u00e9 \u00e0 partir du P&amp;L (m\u00e9thode directe)<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Annonc\u00e9 dans Budget, logiciel distinct<\/td>\n<td class=\"p\">P&amp;L et bilan \u00e0 mod\u00e9liser<\/td>\n<td class=\"p\">Planification financi\u00e8re<\/td>\n<td class=\"p\">\u00c9tats financiers int\u00e9gr\u00e9s<\/td>\n<td class=\"p\"><\/td>\n<td class=\"p\"><\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\"><\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">\u00c9tats pr\u00e9visionnels et covenants<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"p\">Manuel<\/td>\n<td class=\"f hl\">P&amp;L, bilan, TFT, covenants, dette nette<\/td>\n<td class=\"f\">\u00c9tats financiers pr\u00e9visionnels, covenants<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Dette et placements<\/td>\n<td class=\"p\">Dette<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">Cash flow sur 12 \u00e0 36 mois<\/td>\n<td class=\"f\">P&amp;L, bilan<\/td>\n<td class=\"p\">Planification financi\u00e8re<\/td>\n<td class=\"f\">\u00c9tats financiers int\u00e9gr\u00e9s<\/td>\n<td class=\"p\">Budget, business plan<\/td>\n<td class=\"p\">Budget, consolidation<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Consolidation l\u00e9gale, planification<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Analyse du BFR<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"p\">Manuel<\/td>\n<td class=\"f hl\">DSO, DIO, DPO, historique 12 mois<\/td>\n<td class=\"f\">DSO, DPO<\/td>\n<td class=\"f\">Fonds de roulement<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">Working capital<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Postes clients et fournisseurs<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Recouvrement<\/td>\n<td class=\"f\">Working capital<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">DSO, DPO, BFR<\/td>\n<td class=\"p\">Recouvrement<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Consolidation multi-entit\u00e9s<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"p\">Manuel<\/td>\n<td class=\"f hl\">Par entit\u00e9 et consolid\u00e9, multi-devises, intercos<\/td>\n<td class=\"f\">Tr\u00e9sorerie groupe<\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"p\">Vision multi-comptes<\/td>\n<td class=\"f\"><\/td>\n<td class=\"f\"><\/td>\n<td class=\"p\">Offre Entreprise uniquement<\/td>\n<td class=\"f\">Multi-devises, intercos<\/td>\n<td class=\"f\">Consolidation<\/td>\n<td class=\"f\">Cl\u00f4ture et consolidation<\/td>\n<td class=\"f\">Consolidation, devises, intercos<\/td>\n<td class=\"f\">Consolidation multi-normes, intercos<\/td>\n<td class=\"f\">Intercos, multi-devises<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">Consolidation l\u00e9gale<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Connectivit\u00e9 bancaire<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"a\">Aucune<\/td>\n<td class=\"f hl\">API, EBICS T et TS, SWIFT, SFTP<\/td>\n<td class=\"f\">SWIFTNet, EBICS TS, H2H<\/td>\n<td class=\"f\">10 000+ banques<\/td>\n<td class=\"f\">SWIFT, EBICS, FTP<\/td>\n<td class=\"f\">Multi-protocoles<\/td>\n<td class=\"f\">11 000+ options<\/td>\n<td class=\"f\">13 000 banques<\/td>\n<td class=\"f\">DSP2, EBICS TS, H2H, SWIFT<\/td>\n<td class=\"f\">2 000+ banques, EBICS<\/td>\n<td class=\"f\">Flux SWIFT, EBICS<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\"><\/td>\n<td class=\"p\">Connexions bancaires<\/td>\n<td class=\"f\">13 000+ connexions<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Connecteurs ERP<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"a\">Imports manuels<\/td>\n<td class=\"f hl\">Tous ERP par API ou SFTP<\/td>\n<td class=\"f\">ERP multiples (pas d\u2019API disponible)<\/td>\n<td class=\"f\">SAP, Oracle, NetSuite, Dynamics<\/td>\n<td class=\"f\">SAP, Oracle, Cegid, Microsoft, Sage<\/td>\n<td class=\"f\">ERP h\u00e9t\u00e9rog\u00e8nes<\/td>\n<td class=\"f\">SAP certifi\u00e9, Oracle, NetSuite, Dynamics<\/td>\n<td class=\"f\">SAP, Oracle, NetSuite, Dynamics<\/td>\n<td class=\"f\">400+ ERP<\/td>\n<td class=\"p\">Sage, Cegid, Pennylane, API<\/td>\n<td class=\"f\">SAP, Oracle, Sage, Dynamics<\/td>\n<td class=\"f\">Connecteurs natifs, API<\/td>\n<td class=\"f\">ERP, BI, sources de donn\u00e9es<\/td>\n<td class=\"f\">ERP, grands livres<\/td>\n<td class=\"f\">ERP, API, Power BI<\/td>\n<td class=\"f\">250+ connecteurs<\/td>\n<td class=\"f\">Surcouche ERP<\/td>\n<td class=\"f\">SAP, Dynamics, Oracle, DATEV, Sage<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">IA<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"p\">Copilot (Microsoft 365) + add-in Excel (Claude\u2026)<\/td>\n<td class=\"f hl\">Pr\u00e9vision par machine learning, MCP (Claude, Gemini et autres\u2026)<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">IA agentique (TAI)<\/td>\n<td class=\"f\">Module IA<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">Pr\u00e9vision IA, assistant<\/td>\n<td class=\"f\">Agents GSmart<\/td>\n<td class=\"f\">IA, connexion \u00e0 Claude<\/td>\n<td class=\"f\">Pr\u00e9visionnel IA, MCP<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">Agents Analyst et Modeler<\/td>\n<td class=\"f\">Agents FP&amp;A et Controller, MCP<\/td>\n<td class=\"f\">Agents par m\u00e9tier, dont tr\u00e9sorerie<\/td>\n<td class=\"f\">Pr\u00e9vision, d\u00e9tection d\u2019anomalies<\/td>\n<td class=\"f\">Langage naturel, MCP<\/td>\n<td class=\"f\">Agents IA<\/td>\n<td class=\"f\">Agents, Lucanet Lume<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">S\u00e9curit\u00e9<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"a\">Selon l&rsquo;environnement<\/td>\n<td class=\"f hl\">ISO 27001, CSA STAR, SOC 1 et SOC 2 Type II<\/td>\n<td class=\"f\">ISO 27001, ISAE 3402<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"f\">ISO 27001, SOC 2 Type 2<\/td>\n<td class=\"f\">ISO 27001<\/td>\n<td class=\"f\">ISO 27001, SOC 1 et 2 Type II<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">H\u00e9bergement en France<\/td>\n<td class=\"p\">RGPD<\/td>\n<td class=\"f\">ISO 27001, SOC 2 Type 2<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">RGPD, h\u00e9bergement europ\u00e9en<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Accompagnement et formation<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td class=\"a\">Aucun<\/td>\n<td class=\"f hl\">Experts tr\u00e9sorerie, formations Qualiopi<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\">Expertise bancaire et conseil<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"p\"><\/td>\n<td class=\"p\">Account manager d\u00e9di\u00e9<\/td>\n<td class=\"f\">Expert d\u00e9di\u00e9, formations incluses<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<td class=\"a\">Non annonc\u00e9<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<tr><!-- [et_pb_line_break_holder] -->              <\/p>\n<th scope=\"row\">Prix<\/th>\n<p><!-- [et_pb_line_break_holder] -->              <\/p>\n<td>Inclus dans Microsoft 365<\/td>\n<td class=\"hl\">Sur devis<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>69 \u00e0 104 \u20ac HT par mois ; Entreprise sur devis<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public ; estim\u00e9 d\u00e8s ~200 000 $\/an (Daf-Mag)<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<td>Non public<\/td>\n<p><!-- [et_pb_line_break_holder] -->            <\/tr>\n<p><!-- [et_pb_line_break_holder] -->          <\/tbody>\n<p><!-- [et_pb_line_break_holder] -->        <\/table>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 FAQ \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-reveal\" id=\"faq\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner cl-cp-faq-grille\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">FAQ<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Questions fr\u00e9quentes sur les logiciels de tr\u00e9sorerie<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-faq\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Qu\u2019est-ce qu\u2019un logiciel de tr\u00e9sorerie ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Un logiciel de tr\u00e9sorerie centralise les donn\u00e9es bancaires et comptables d\u2019une entreprise pour suivre ses soldes, pr\u00e9voir ses encaissements et d\u00e9caissements et construire son budget de tr\u00e9sorerie. Selon les solutions, il couvre aussi les paiements, la gestion des risques financiers ou la planification financi\u00e8re.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Quelle est la diff\u00e9rence entre un TMS et un logiciel de pr\u00e9vision de tr\u00e9sorerie ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Un TMS se concentre sur l\u2019ex\u00e9cution : connectivit\u00e9 bancaire, paiements, risques de change et de taux. Un logiciel de pr\u00e9vision se concentre sur la visibilit\u00e9 et l\u2019anticipation du cash, jusqu\u2019au budget de tr\u00e9sorerie. Les deux peuvent coexister : le TMS fournit le r\u00e9alis\u00e9, l\u2019outil de pr\u00e9vision construit les projections.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Quelle est la diff\u00e9rence entre la m\u00e9thode directe et la m\u00e9thode indirecte ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>La m\u00e9thode directe projette les encaissements et les d\u00e9caissements, par exemple en appliquant des d\u00e9lais de paiement aux rubriques du compte de r\u00e9sultat. La m\u00e9thode indirecte, ou tableau de flux de tr\u00e9sorerie (TFT), part du r\u00e9sultat, corrige les \u00e9l\u00e9ments non mon\u00e9taires et int\u00e8gre la variation du BFR, les investissements et les financements, en lien avec le bilan pr\u00e9visionnel. R\u00e9concilier les deux rapproche le tr\u00e9sorier et le contr\u00f4leur de gestion.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Quel logiciel de tr\u00e9sorerie choisir pour une ETI multi-entit\u00e9s ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Une ETI multi-entit\u00e9s a besoin d\u2019une consolidation par entit\u00e9 et au niveau du groupe, d\u2019une pr\u00e9vision glissante \u00e0 13 semaines et d\u2019un budget de tr\u00e9sorerie en m\u00e9thode directe et indirecte. Les outils de suivi et de pr\u00e9vision con\u00e7us pour les groupes couvrent ce besoin. Un TMS devient pertinent quand les paiements internationaux et la gestion des risques de change dominent.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Un TMS permet-il de construire un budget de tr\u00e9sorerie ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>La plupart des TMS \u00e9tudi\u00e9s mettent l\u2019accent sur l\u2019ex\u00e9cution et n\u2019annoncent pas de budget de tr\u00e9sorerie en m\u00e9thode indirecte. Un outil de pr\u00e9vision d\u00e9di\u00e9 peut compl\u00e9ter le TMS en r\u00e9cup\u00e9rant ses donn\u00e9es r\u00e9alis\u00e9es.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Combien co\u00fbte un logiciel de tr\u00e9sorerie ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Les prix vont de quelques dizaines d\u2019euros par mois pour les offres destin\u00e9es aux PME \u00e0 plusieurs dizaines de milliers d\u2019euros par an pour les solutions de groupe. La plupart des \u00e9diteurs qui s\u2019adressent aux ETI fonctionnent sur devis. Pour comparer, il est utile de demander le co\u00fbt total sur trois ans, mise en place, formation et assistance comprises.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Combien de temps faut-il pour d\u00e9ployer un logiciel de tr\u00e9sorerie ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Les d\u00e9lais annonc\u00e9s vont de quelques jours pour les offres PME \u00e0 six \u00e0 huit semaines pour certains outils de groupe, et jusqu\u2019\u00e0 plusieurs mois pour les TMS et les plateformes EPM. Le nombre d\u2019entit\u00e9s, les connexions bancaires et ERP et la complexit\u00e9 des mod\u00e8les font varier la dur\u00e9e.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<details class=\"cl-cp-acc\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<summary>Peut-on garder Excel avec un logiciel de tr\u00e9sorerie ?<\/summary>\n<p><!-- [et_pb_line_break_holder] -->          <pee>Oui. Le budget d\u2019exploitation, souvent construit dans Excel, peut \u00eatre import\u00e9 pour \u00eatre transform\u00e9 en budget de tr\u00e9sorerie, et les exports restent disponibles pour les analyses ponctuelles. Le logiciel automatise la collecte des donn\u00e9es et la production des pr\u00e9visions.<\/pee><!-- [et_pb_line_break_holder] -->        <\/details>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 GLOSSAIRE \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-section cl-cp-gris cl-reveal\" id=\"glossaire\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-section-label\">Lexique<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<h2 class=\"cl-section-title\">Glossaire<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<dl class=\"cl-cp-glossaire\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>BFR (besoin en fonds de roulement)<\/dt>\n<dd>Montant n\u00e9cessaire pour financer le d\u00e9calage entre les encaissements clients et les d\u00e9caissements fournisseurs et les stocks.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>Budget de tr\u00e9sorerie<\/dt>\n<dd>Plan des encaissements et d\u00e9caissements pr\u00e9visionnels sur une p\u00e9riode donn\u00e9e, en g\u00e9n\u00e9ral mensualis\u00e9.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>Covenants<\/dt>\n<dd>Engagements financiers pris aupr\u00e8s des banques ou des investisseurs, mesur\u00e9s par des ratios \u00e0 respecter.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>DSO, DIO, DPO<\/dt>\n<dd>D\u00e9lais moyens de paiement des clients, de rotation des stocks et de paiement des fournisseurs.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>EBICS<\/dt>\n<dd>Protocole s\u00e9curis\u00e9 d\u2019\u00e9change de fichiers entre une entreprise et ses banques (relev\u00e9s, virements).<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>EPM (Enterprise Performance Management)<\/dt>\n<dd>Plateforme de planification et de pilotage de la performance \u00e0 l\u2019\u00e9chelle de l\u2019entreprise.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>MCP (Model Context Protocol)<\/dt>\n<dd>Protocole qui permet \u00e0 un assistant d\u2019IA d\u2019interroger les donn\u00e9es d\u2019un logiciel en langage naturel.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>M\u00e9thode directe<\/dt>\n<dd>Construction des pr\u00e9visions de tr\u00e9sorerie \u00e0 partir des encaissements et d\u00e9caissements attendus.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>M\u00e9thode indirecte<\/dt>\n<dd>Construction des flux de tr\u00e9sorerie \u00e0 partir du r\u00e9sultat, de la variation du BFR, des investissements et des financements.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>Pr\u00e9vision glissante (rolling forecast)<\/dt>\n<dd>Pr\u00e9vision mise \u00e0 jour \u00e0 intervalle r\u00e9gulier sur un horizon constant, par exemple 13 semaines.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>TFT (tableau de flux de tr\u00e9sorerie)<\/dt>\n<dd>\u00c9tat financier qui pr\u00e9sente les flux de tr\u00e9sorerie d\u2019exploitation, d\u2019investissement et de financement.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div>\n<dt>TMS (Treasury Management System)<\/dt>\n<dd>Logiciel de gestion de tr\u00e9sorerie centr\u00e9 sur l\u2019ex\u00e9cution : connectivit\u00e9 bancaire, paiements, risques.<\/dd>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/dl>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 CTA FINAL \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-page-cta cl-reveal\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-page-cta-content\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-section-label\">D\u00e9couvrir Cashlab<\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<h2 class=\"cl-section-title\">Suivi quotidien, pr\u00e9vision \u00e0 13 semaines et budget de tr\u00e9sorerie direct et indirect (TFT) r\u00e9concili\u00e9<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <pee class=\"cl-page-cta-desc\">Cashlab permet aux directions financi\u00e8res de piloter, pr\u00e9voir et optimiser leur tr\u00e9sorerie et leur BFR, et de suivre leur dette nette et leurs covenants.<\/pee><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-page-cta-actions\"><!-- [et_pb_line_break_holder] -->        <a href=\"\/planifier-une-demo\/\" class=\"cl-btn-primary\" data-cl-cta=\"cp_cta_demo\" data-cl-cta-location=\"cta_final\"><!-- [et_pb_line_break_holder] -->          Demander une d\u00e9mo<!-- [et_pb_line_break_holder] -->          <svg width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><!-- [et_pb_line_break_holder] -->        <\/a><!-- [et_pb_line_break_holder] -->        <a href=\"\/tarifs\/\" class=\"cl-cta-alt-link\" data-cl-cta=\"cp_cta_final_tarifs\" data-cl-cta-location=\"cta_final\">Je pr\u00e9f\u00e8re regarder les tarifs avant <svg width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"cl-cp-piliers\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-pilier\"><b>Approche duale<\/b><span>Un budget de tr\u00e9sorerie direct et indirect (TFT) r\u00e9concili\u00e9, qui fait le pont entre tr\u00e9sorier, DAF et contr\u00f4leur de gestion.<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"cl-cp-pilier\"><b>Co-construction<\/b><span>Chaque fonctionnalit\u00e9 est construite avec nos clients avant d&rsquo;\u00eatre g\u00e9n\u00e9ralis\u00e9e.<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- \u2550\u2550\u2550 SOURCES + AUTEUR \u2550\u2550\u2550 --><!-- [et_pb_line_break_holder] -->  <\/p>\n<section class=\"cl-cp-sources-section\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"cl-cp-inner\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<h2>Sources<\/h2>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<ul class=\"cl-cp-sources\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>\u00c9tude : <a href=\"https:\/\/www.pwc.fr\/fr\/publications\/series\/priorites-des-directions-financieres.html\" target=\"_blank\" rel=\"noopener\">PwC \/ DFCG, Priorit\u00e9s des directions financi\u00e8res 2026<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Panorama : <a href=\"https:\/\/www.daf-mag.fr\/fonction-finance-1242\/gouvernance-strategie-2125\/les-benchmarks-daf-2026-les-outils-de-tresorerie-et-de-cash-forecasting-25341\" target=\"_blank\" rel=\"noopener\">Daf-Mag, Benchmarks DAF 2026 : outils de tr\u00e9sorerie<\/a>, <a href=\"https:\/\/www.daf-mag.fr\/fonction-finance-1242\/financements-innovations-2124\/top-5-des-plateformes-depm-et-de-planification-financiere-en-2026-25988\" target=\"_blank\" rel=\"noopener\">Daf-Mag, Top 5 des plateformes EPM 2026<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Cashlab : <a href=\"\/\">cashlab.fr<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Cegid : <a href=\"https:\/\/www.cegid.com\/fr\/produits\/cegid-treasury\/\" target=\"_blank\" rel=\"noopener\">Cegid Treasury<\/a>, <a href=\"https:\/\/www.cegid.com\/fr\/produits\/cegid-allmybanks\/\" target=\"_blank\" rel=\"noopener\">Cegid Allmybanks<\/a>, <a href=\"https:\/\/finyear.com\/cegid-renforce-son-offre-de-tresorerie-et-couvre-desormais-lintegralite-des-besoins-des-metiers-de-la-finance_a51392.html\" target=\"_blank\" rel=\"noopener\">rachat Exalog (Finyear)<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Kyriba : <a href=\"https:\/\/www.kyriba.com\/fr\/\" target=\"_blank\" rel=\"noopener\">kyriba.com<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Diapason : <a href=\"https:\/\/www.mydiapason.com\/a-propos\/\" target=\"_blank\" rel=\"noopener\">\u00c0 propos<\/a>, <a href=\"https:\/\/www.mydiapason.com\/clients\/eti\/\" target=\"_blank\" rel=\"noopener\">offre ETI<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Neofi : <a href=\"https:\/\/en.neofi-solutions.com\/\" target=\"_blank\" rel=\"noopener\">neofi-solutions.com<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>TIS : <a href=\"https:\/\/tispayments.com\/\" target=\"_blank\" rel=\"noopener\">tispayments.com<\/a>, <a href=\"https:\/\/tispayments.com\/newsroom\/enterprise-payment-leader-tis-acquires-forecasting-innovator-cashforce\/\" target=\"_blank\" rel=\"noopener\">rachat Cashforce<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>GTreasury : <a href=\"https:\/\/treasury.ripple.com\/\" target=\"_blank\" rel=\"noopener\">Ripple Treasury<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Agicap : <a href=\"https:\/\/agicap.com\/fr\/\" target=\"_blank\" rel=\"noopener\">agicap.com<\/a>, <a href=\"https:\/\/agicap.com\/fr\/entreprise\/eti\/\" target=\"_blank\" rel=\"noopener\">offre ETI<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Okimia : <a href=\"https:\/\/www.okimia.com\/fr\" target=\"_blank\" rel=\"noopener\">okimia.com<\/a>, <a href=\"https:\/\/www.okimia.com\/fr\/tarifs\" target=\"_blank\" rel=\"noopener\">tarifs<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Ta\u00efga : <a href=\"https:\/\/taiga-cm.com\/logiciels\/prevision-tresorerie\" target=\"_blank\" rel=\"noopener\">Cash Forecast<\/a>, <a href=\"https:\/\/taiga-cm.com\/logiciels\/planification-financiere\" target=\"_blank\" rel=\"noopener\">Budget<\/a>, <a href=\"https:\/\/taiga-cm.com\/pourquoi-taiga\" target=\"_blank\" rel=\"noopener\">Pourquoi TAIGA<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Pigment : <a href=\"https:\/\/www.pigment.com\/use-case\/finance\" target=\"_blank\" rel=\"noopener\">Pigment Finance<\/a>, <a href=\"https:\/\/www.decideurs-magazine.com\/finance\/65489-pigment-leve-250-millions-de-dollars.html\" target=\"_blank\" rel=\"noopener\">lev\u00e9e 2026 (D\u00e9cideurs Magazine)<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Board : <a href=\"https:\/\/www.board.com\/finance\" target=\"_blank\" rel=\"noopener\">board.com\/finance<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Anaplan : <a href=\"https:\/\/www.anaplan.com\/solutions\/finance-planning\/\" target=\"_blank\" rel=\"noopener\">Anaplan Finance<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Amelkis : <a href=\"https:\/\/amelkis.com\/plateforme\/\" target=\"_blank\" rel=\"noopener\">amelkis.com<\/a>, <a href=\"https:\/\/www.smarthys.com\/consolidation\/amelkis-epm\/\" target=\"_blank\" rel=\"noopener\">Smarthys<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>EMAsphere : <a href=\"https:\/\/www.emasphere.com\/fr\" target=\"_blank\" rel=\"noopener\">emasphere.com<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Payflows : <a href=\"https:\/\/www.payflows.io\/fr\" target=\"_blank\" rel=\"noopener\">payflows.io<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<li>Lucanet : <a href=\"https:\/\/www.lucanet.com\/en\/\" target=\"_blank\" rel=\"noopener\">lucanet.com<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] -->      <\/ul>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- 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