{"id":7102,"date":"2022-03-30T09:59:13","date_gmt":"2022-03-30T07:59:13","guid":{"rendered":"https:\/\/www.cashlab.fr\/?p=7102"},"modified":"2024-03-20T16:21:16","modified_gmt":"2024-03-20T15:21:16","slug":"les-comptes-virtuels-au-service-de-la-tresorerie","status":"publish","type":"post","link":"https:\/\/www.cashlab.fr\/en\/les-comptes-virtuels-au-service-de-la-tresorerie\/","title":{"rendered":"Virtual accounts for cash management"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1400px\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb8px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1400px\u00a0\u00bb custom_padding=\u00a0\u00bb40px|40px|40px|40px|true|true\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_code _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<span><span><a href=\"https:\/\/www.cashlab.fr\/\">Accueil<\/a><\/span><\/span>[\/et_pb_code][et_pb_text _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bbOpen Sans|600|||||||\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.2em\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||on||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#191735&Prime; header_4_font_size=\u00a0\u00bb16px\u00a0\u00bb background_color=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Parmi notre \u00e9cosyst\u00e8me d\u2019experts, <a href=\"https:\/\/lu.linkedin.com\/in\/fran%C3%A7ois-masquelier-748993\" target=\"_blank\" rel=\"noopener\">Fran\u00e7ois Masquelier<\/a> (CEO de <a href=\"https:\/\/www.simplytreasury.com\/\" target=\"_blank\" rel=\"noopener\">SimplyTREASURY<\/a>) a d\u00e9crypt\u00e9 les comptes virtuels dans son article \u201cHow virtual could the bank accounts be?\u201d dans le num\u00e9ro #107 \u201cInterconnectivity\u201d du magazine \u201cTreasurer\u201d d\u2019ATEL. Retour sur ce concept qui accompagne les financiers dans la gestion de leur tr\u00e9sorerie.<\/strong><\/p>\n<p>Les comptes bancaires virtuels se sont largement d\u00e9velopp\u00e9s ces derni\u00e8res ann\u00e9es, proposant aux entreprises de cr\u00e9er et g\u00e9rer plus facilement leur tr\u00e9sorerie. Il semble important de clarifier ce concept, toujours en pleine \u00e9volution aujourd\u2019hui.<\/p>\n<p><strong>Les comptes bancaires virtuels fonctionnent comme des sous-comptes rattach\u00e9s \u00e0 un compte physique.<\/strong> Compte physique qui lui, r\u00e8gle les transactions et porte le solde consolid\u00e9 de tous les comptes virtuels qui lui sont li\u00e9s.<br \/>Les IBAN virtuels sont \u00e9galement associ\u00e9s \u00e0 un compte physique qui centralise tous les encaissements. A la diff\u00e9rence qu\u2019un IBAN est attribu\u00e9 \u00e0 chaque op\u00e9ration, pour que l\u2019\u00e9metteur et le b\u00e9n\u00e9ficiaire du paiement soient identifi\u00e9s automatiquement. Il est alors possible d\u2019attribuer une plage de donn\u00e9es d\u2019IBAN \u00e0 un d\u00e9partement ou une filiale sp\u00e9cifique de l\u2019entreprise.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Quels avantages pour les entreprises ?<br \/><\/strong><\/h3>\n<p>L\u2019avantage principal pour les tr\u00e9soreries est la facilit\u00e9 de cr\u00e9er et g\u00e9rer des comptes en ligne. Pendant que les banques gardent le contr\u00f4le du compte physique. Cela permet de r\u00e9duire le nombre de comptes en banque, tout en permettant aux entreprises d\u2019ouvrir autant de comptes virtuels que n\u00e9cessaire.<\/p>\n<p><strong>Un compte virtuel pr\u00e9sente d\u2019autres nombreux avantages et b\u00e9n\u00e9fices :<\/strong><\/p>\n<ul>\n<li><strong>Peut \u00eatre une alternative aux solutions traditionnelles de Cash management,<\/strong><\/li>\n<li><strong>Aide \u00e0 centraliser les fonctions de tr\u00e9sorerie,<\/strong><\/li>\n<li><strong>Peut \u00eatre un substitut aux outils de gestion des liquidit\u00e9s,<\/strong><\/li>\n<li><strong>R\u00e9duit les co\u00fbts tout en augmentant l\u2019efficacit\u00e9,<\/strong><\/li>\n<li><strong>Am\u00e9liore le processus de r\u00e9conciliation de traitement direct (Straight-Through Processing)<\/strong><\/li>\n<li><strong>Simplifie les relations bancaires en r\u00e9duisant le nombre de comptes,<\/strong><\/li>\n<li><strong>Harmonise la virtualisation de tous ses comptes.<\/strong><\/li>\n<\/ul>\n<p>Ils apportent une <strong>meilleure visibilit\u00e9<\/strong> et un meilleur contr\u00f4le des paiements entrants et sortants. Et ce, gr\u00e2ce \u00e0 une structure de compte simplifi\u00e9e et rationalis\u00e9e.<\/p>\n<p>Le concept de comptes virtuels n\u2019est pourtant pas nouveau. En effet, il existait d\u00e9j\u00e0 avant des services ressemblant aux comptes virtuels, qui r\u00e9pondaient \u00e0 des besoins sp\u00e9cifiques des tr\u00e9soriers d\u2019entreprises.<\/p>\n<p>Dans un monde en constante \u00e9volution, avec des r\u00e9gulations de plus en plus strictes et une attention particuli\u00e8re pour les r\u00e9ductions de co\u00fbts : l\u2019int\u00e9r\u00eat pour les comptes virtuels s\u2019est intensifi\u00e9.<br \/>En effet, les co\u00fbts li\u00e9s aux comptes en banque ne cessent d\u2019augmenter. De plus,<strong> les contr\u00f4les KYC (\u00ab Know Your Customer \u00bb)<\/strong> demandent de plus en plus d\u2019efforts. Mais \u00e9galement de transparence et de divulgation d\u2019informations des clients.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Des services bancaires internes (In-House Banking) performants<\/strong><\/h3>\n<p>Bien que le concept ne soit pas nouveau, seules quelques multinationales ont r\u00e9ussi \u00e0 construire et g\u00e9rer des services bancaires internes.<br \/>Cependant, la mise en place du <strong>In-House Banking (IHB)<\/strong> n\u00e9cessite du temps et des investissements importants. Avant l\u2019entr\u00e9e en vigueur du Payment Services Directive*, certaines entreprises ont m\u00eame essay\u00e9 d\u2019obtenir une licence bancaire pour faire du IHB.<\/p>\n<p>Il est possible que les comptes bancaires virtuels deviennent<strong> la base des syst\u00e8mes bancaires internes en entreprises.<\/strong> Avec cela, les entreprises peuvent rationaliser et contr\u00f4ler la gestion de leurs comptes bancaires. C\u2019est-\u00e0-dire ouvrir, fermer, modifier, ou g\u00e9rer les comptes bancaires, en quelques secondes. Ceci, sans avoir \u00e0 remplir une tonne de formulaires administratifs.<\/p>\n<p>Pour cela, il faut d\u2019abord rationaliser les comptes en fermant tous ceux ouverts pour la comptabilit\u00e9 au sein d\u2019une entit\u00e9 l\u00e9gale. Puis, \u00e0 un niveau plus \u00e9lev\u00e9 dans un groupe d\u2019entreprises, virtualiser et utiliser les paiements et encaissements pour compte de (Payment On Behalf Of\/Collection On Behalf Of).<br \/>Ce n\u2019est pas seulement utile pour g\u00e9rer et trier les dettes et les cr\u00e9ances. Cela est utile pour construire un nouveau type de gestion de liquidit\u00e9 appel\u00e9 <strong>cash pooling<\/strong>. C\u2019est une technique de gestion de tr\u00e9sorerie centralis\u00e9e, utilis\u00e9e par les entreprises ayant plusieurs filiales. L&rsquo;avantage \u00e0 cette action est d&rsquo;optimiser les soldes de tr\u00e9sorerie de l\u2019ensemble des entit\u00e9s l\u00e9gales. Les liquidit\u00e9s sont d\u00e9tenues nativement sur le compte principal et les comptes virtuels repr\u00e9sentent les diff\u00e9rentes balances li\u00e9es aux filiales.<\/p>\n<p>Avec le In-House Banking, le paiement est directement transf\u00e9r\u00e9 par le si\u00e8ge au nom de sa filiale et g\u00e9n\u00e8re des transactions au sein du groupe. Avec des comptes virtuels, les tr\u00e9soriers pourraient m\u00eame imaginer un seul compte bancaire par devise pour g\u00e9rer <strong>100% de leur tr\u00e9sorerie dans un IHB<\/strong>.<\/p>\n<p>*r\u00e9gule les services de paiement et leurs fournisseurs au sein de l\u2019Union Europ\u00e9enne<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>La virtualisation des comptes bancaires pour plus d\u2019efficacit\u00e9 dans la gestion de tr\u00e9sorerie<br \/><\/strong><\/h3>\n<p>L\u2019une des probl\u00e9matiques dans le traitement de paiements entrants des comptes virtuels est la diff\u00e9renciation faite entre le b\u00e9n\u00e9ficiaire* et l\u2019entit\u00e9 l\u00e9gale**. Concernant la conformit\u00e9, c\u2019est un sujet assez bien g\u00e9r\u00e9 par les r\u00e9gulations et pratiques de l\u2019Union Europ\u00e9ennes, mais ce n\u2019est pas le cas dans le monde entier.<\/p>\n<p>M\u00eame dans ce cas, la virtualisation des comptes bancaires au niveau de l\u2019entit\u00e9 l\u00e9gale apporte de nombreux avantages, en parall\u00e8le des outils traditionnels d\u00e9j\u00e0 utilis\u00e9s. De toute \u00e9vidence, <strong>la puissance et la taille du syst\u00e8me<\/strong>, ainsi que la bonne int\u00e9gration avec votre <strong>ERP<\/strong> jouent un r\u00f4le important. Cela demande de l\u2019organisation, de la discipline et des nouveaux processus de support. Si vous ne faites plus appel \u00e0 une banque locale, la tr\u00e9sorerie devient alors le seul point de contact. Elle risque d\u2019\u00eatre inond\u00e9e de questions par les entit\u00e9s locales. C\u2019est-\u00e0-dire que la virtualisation des comptes bancaires n\u2019est pas seulement une question de technologie informatique, mais aussi d\u2019organisation et de mise en place de <strong>processus<\/strong>.<\/p>\n<p>*qui d\u00e9tient le compte virtuel<br \/>**qui d\u00e9tient le compte bancaire<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>Ce qu&rsquo;il faut retenir<\/strong><\/h3>\n<p>Pour conclure, il est possible d\u2019utiliser les comptes bancaires virtuels pour mettre en place un <strong>service bancaire interne<\/strong>. Notamment avec des paiements et encaissements pour compte de :<\/p>\n<ul>\n<li>un <a href=\"https:\/\/www.cashlab.fr\/dialogue-et-culture-cash-prerequis-clefs-dun-cash-pooling-efficace\/\" target=\"_blank\" rel=\"noopener\">cash pooling<\/a> natif,<\/li>\n<li>des pr\u00eats internes court-terme,<\/li>\n<li>une gestion des \u00e9changes internationaux centralis\u00e9e,<\/li>\n<li>et du netting (compensation des entr\u00e9es et sorties de devises).<\/li>\n<\/ul>\n<p>Jusqu\u2019ici, le concept de comptes virtuels a \u00e9t\u00e9 faussement repr\u00e9sent\u00e9 ou mal nomm\u00e9 par les banques. Les comptes virtuels offrent des b\u00e9n\u00e9fices aux tr\u00e9sorerie d\u2019entreprise : une am\u00e9lioration de la gestion de tr\u00e9sorerie et un meilleur aper\u00e7u des comptes d\u2019entreprise. Ce qui donne un r\u00f4le plus influent et strat\u00e9gique au tr\u00e9sorier dans l\u2019organisation. Maintenant que les plateformes de gestion de comptes virtuels (<strong>Virtual Account Management<\/strong>) offrent une solution simple, pr\u00eate \u00e0 l\u2019emploi, l\u2019int\u00e9r\u00eat pour les comptes bancaires virtuels va significativement augmenter. Ces derniers ont r\u00e9ellement la capacit\u00e9 de r\u00e9inventer la gestion de tr\u00e9sorerie en accompagnant les tr\u00e9soriers.<\/p>\n<p>&nbsp;<\/p>\n<p>R\u00e9dig\u00e9 par El\u00e9onore Berne, le 30\/03\/2022.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1000px\u00a0\u00bb custom_padding=\u00a0\u00bb|20px||20px|false|true\u00a0\u00bb global_module=\u00a0\u00bb9255&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#191735&Prime; text_font_size=\u00a0\u00bb30px\u00a0\u00bb custom_margin=\u00a0\u00bb43px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]Lire aussi..[\/et_pb_text][et_pb_blog fullwidth=\u00a0\u00bboff\u00a0\u00bb posts_number=\u00a0\u00bb3&Prime; include_categories=\u00a0\u00bb60,57&Prime; use_manual_excerpt=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb custom_margin=\u00a0\u00bb10px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbFooter\u00a0\u00bb _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#191735&Prime; custom_padding=\u00a0\u00bb||40px||false|false\u00a0\u00bb global_module=\u00a0\u00bb7136&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_4,1_4,1_4,1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbLogo\u00a0\u00bb _builder_version=\u00a0\u00bb4.16.0&Prime; custom_margin=\u00a0\u00bb|||-46px||\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb|||0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb30px|||0px|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb\u00a0\u00bb 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background_enable_color=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb follow_button=\u00a0\u00bboff\u00a0\u00bb url_new_window=\u00a0\u00bboff\u00a0\u00bb]google[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbA propos (sitemap)\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.4&Prime; text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb106px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb10px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4><span style=\"color: #ffffff;\">A PROPOS<\/span><\/h4>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/accueil\/\" target=\"_blank\" rel=\"noopener\">Accueil<\/a><\/span><br \/><span 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(sitemap)\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4&Prime; text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb106px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb10px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4><span style=\"color: #ffffff;\">SOLUTIONS<\/span><\/h4>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/pilotage-de-tresorerie\/\" target=\"_blank\" rel=\"noopener\">Pilotage de tr\u00e9sorerie<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/partenariats\/\" target=\"_blank\" rel=\"noopener\">Partenariats<\/a><br \/><a href=\"https:\/\/www.cashlab.fr\/formations\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Formations<\/a><br \/><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/tarifs\/\" target=\"_blank\" rel=\"noopener\">Tarifs<\/a><br \/><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/faq\/\" target=\"_blank\" rel=\"noopener\">FAQ<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbA propos (sitemap)\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4&Prime; text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb106px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb10px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4><span style=\"color: #ffffff;\">RESSOURCES<\/span><\/h4>\n<p><span style=\"color: #ffffff;\"><a href=\"https:\/\/www.cashlab.fr\/blog\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Blog<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a href=\"https:\/\/www.cashlab.fr\/cas-clients\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Cas clients<\/a><br \/><a 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_module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\u00a92023 All rights reserved. | Cashlab | <span style=\"text-decoration: underline;\"><strong><span style=\"color: #ffffff;\"><a style=\"color: #ffffff; text-decoration: underline;\" href=\"https:\/\/www.cashlab.fr\/mentions-legales\/\" target=\"_blank\" rel=\"noopener\">Mentions L\u00e9gales<\/a><\/span><\/strong><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Virtual accounts have become increasingly popular in recent years, making it easier for businesses to manage their cash.<\/p>","protected":false},"author":2,"featured_media":10883,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[19,94,132,157,168,162,70,163,133,161,10],"class_list":["post-7102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils","tag-cash","tag-cash-flow","tag-cash-forecast","tag-cashflow","tag-comptes-virtuels","tag-eti","tag-financement","tag-gestion-de-tresorerie","tag-pilotage-du-cash","tag-pme","tag-tresorerie"],"yoast_head":"<!-- This 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