{"id":10285,"date":"2015-04-09T16:38:32","date_gmt":"2015-04-09T14:38:32","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=10285"},"modified":"2024-09-26T17:05:15","modified_gmt":"2024-09-26T15:05:15","slug":"credit-bail-ce-meilleure-option","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/credit-bail-ce-meilleure-option\/","title":{"rendered":"Le cr\u00e9dit-bail : est-ce la meilleure option ?"},"content":{"rendered":"<p>De nombreuses entreprises envisagent de recourir au cr\u00e9dit-bail pour financer l\u2019acquisition d&rsquo;un bien. La souplesse de ce moyen de financement et sa simplicit\u00e9 de mise en oeuvre en font un outil appr\u00e9ci\u00e9 des dirigeants d&rsquo;entreprise, mais est-ce une option judicieuse ?<\/p>\n<p>Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts de France, fait le point sur les avantages et les inconv\u00e9nients du cr\u00e9dit-bail.<\/p>\n<figure id=\"attachment_6507\" aria-describedby=\"caption-attachment-6507\" style=\"width: 143px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-6507 \" title=\"le cr\u00e9dit bail est-il int\u00e9ressant ?\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/sarl-ou-sas-241x300.jpg\" alt=\"le cr\u00e9dit bail est-il int\u00e9ressant ?\" width=\"143\" height=\"178\" \/><figcaption id=\"caption-attachment-6507\" class=\"wp-caption-text\">Le cr\u00e9dit-bail est-il une bonne option ?<\/figcaption><\/figure>\n<h2>Qu\u2019est-ce que le cr\u00e9dit-bail ?<\/h2>\n<p>Le cr\u00e9dit-bail, appel\u00e9 aussi \u00ab leasing \u00bb, est un contrat entre une soci\u00e9t\u00e9\u00a0 et un cr\u00e9dit-bailleur (banque ou \u00e9tablissement sp\u00e9cialis\u00e9). Le contrat engage le cr\u00e9dit-bailleur \u00e0 <strong><span class=\"exergue\">mettre divers biens \u00e0 disposition d&rsquo;une soci\u00e9t\u00e9 en contrepartie d&rsquo;un loyer r\u00e9gulier.<\/span><\/strong> Les biens concern\u00e9s par ce type de financement peuvent \u00eatre de natures tr\u00e8s diff\u00e9rentes, comme par exemple :<\/p>\n<ul>\n<li>un fonds de commerce,<\/li>\n<li>de l\u2019outillage,<\/li>\n<li>divers biens d\u2019\u00e9quipements utiles \u00e0 la soci\u00e9t\u00e9,<\/li>\n<li>un v\u00e9hicule,<\/li>\n<li>du mat\u00e9riel informatique \u2026<\/li>\n<\/ul>\n<p>La soci\u00e9t\u00e9 s\u2019engage, par ce contrat de location \u00e0 dur\u00e9e d\u00e9termin\u00e9e qui varie en g\u00e9n\u00e9ral de 3 \u00e0 7 ans, \u00e0 verser une redevance (le loyer) et \u00e0 restituer le bien \u00e0 la fin du contrat. Certains contrats peuvent pr\u00e9voir <strong><span class=\"exergue\">une option d\u2019achat \u00e0 l\u2019issue de la p\u00e9riode pr\u00e9vue au contrat<\/span><\/strong>.<\/p>\n<p><span class=\"exergue\"><strong><img decoding=\"async\" class=\"alignright wp-image-9840 \" title=\"le cr\u00e9dit-bail en entreprise\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/01\/contrat-4-1-199x300.png\" alt=\"le cr\u00e9dit-bail en entreprise\" width=\"141\" height=\"213\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/01\/contrat-4-1-199x300.png 199w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/01\/contrat-4-1.png 495w\" sizes=\"(max-width: 141px) 100vw, 141px\" \/>Les redevances du cr\u00e9dit-bail peuvent \u00eatre fixes (lin\u00e9aires) ou variables (dites d\u00e9gressives)<\/strong><\/span>. Elles peuvent \u00eatre mensuelles, trimestrielles, semestrielles voire annuelles dans certains cas.<\/p>\n<p>Contrairement \u00e0 un achat, <span class=\"exergue\"><strong>la soci\u00e9t\u00e9 n\u2019est pas propri\u00e9taire du bien<\/strong><\/span>. Elle peut le devenir si elle opte pour l\u2019acquisition \u00e0 l\u2019issue du contrat. En effet, au terme du contrat, plusieurs possibilit\u00e9s s\u2019offrent \u00e0 la soci\u00e9t\u00e9 :<\/p>\n<ul>\n<li>rendre le bien,<\/li>\n<li>renouveler le contrat,<\/li>\n<li>acheter le bien \u00e0 la valeur d\u2019option.<\/li>\n<\/ul>\n<h2>Les avantages du cr\u00e9dit-bail<\/h2>\n<p>En dehors de sa simplicit\u00e9 d&rsquo;utilisation et de mise en oeuvre, le cr\u00e9dit-bail pr\u00e9sente diff\u00e9rents avantages pour les dirigeants d&rsquo;entreprise.<\/p>\n<p>Premi\u00e8rement, <strong>le cr\u00e9dit-<span class=\"exergue\"><strong>bail<\/strong> permet un financement total,<\/span><\/strong> ce qui permet de ne pas <a title=\"Bien g\u00e9rer la tr\u00e9sorerie de son entreprise\" href=\"https:\/\/valoxy.org\/blog\/bien-gerer-tresorerie-entreprise\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>avancer de tr\u00e9sorerie<\/strong><\/a>.<\/p>\n<p>Par ailleurs, <strong><span class=\"exergue\">ce mode de financement \u00e9vite de recourir \u00e0 l\u2019emprunt et ainsi d&rsquo;afficher un niveau d\u2019endettement plus r\u00e9duit.<\/span><\/strong> (ceci \u00e9tant, la plupart des analystes financiers, et notamment la Banque de France, retraitent le cr\u00e9dit-bail dans leurs analyses).<\/p>\n<p>Enfin, <strong><span class=\"exergue\">les redevances \u00e9tant consid\u00e9r\u00e9es comme des charges, le montant total des redevances est d\u00e9ductible de l\u2019imp\u00f4t sur les b\u00e9n\u00e9fices.<\/span><\/strong> (sauf pour les v\u00e9hicules de tourisme pour lesquels une part est r\u00e9int\u00e9gr\u00e9e fiscalement pour la part non d\u00e9ductible des amortissements).<\/p>\n<h2>Les inconv\u00e9nients<\/h2>\n<p><img decoding=\"async\" class=\"alignright wp-image-4010 \" title=\"Les inconv\u00e9nients du cr\u00e9dit \u2013 bail\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/06\/creation-dentreprise8-300x295.png\" alt=\"Les inconv\u00e9nients du cr\u00e9dit \u2013 bail\" width=\"160\" height=\"157\" \/>Bien qu&rsquo;il soit int\u00e9ressant pour de nombreuses entreprises, le cr\u00e9dit-bail porte \u00e9galement quelques inconv\u00e9nients qu&rsquo;il convient de souligner :<\/p>\n<ul style=\"text-align: justify; margin-right: 180px;\">\n<li><strong><span class=\"exergue\">Le prix finalement pay\u00e9 est en g\u00e9n\u00e9ral plus \u00e9lev\u00e9<\/span><\/strong> que si la soci\u00e9t\u00e9 contractait un \u00a0pr\u00eat bancaire, car le cr\u00e9dit-bailleur pr\u00e9voit une marge sur la redevance de la location du bien.<\/li>\n<li><strong><span class=\"exergue\">Le cr\u00e9dit-bailleur peut refuser de financer le bien s\u2019il juge qu\u2019il lui sera difficile de le revendre<\/span> <\/strong>apr\u00e8s la fin du contrat de location.<\/li>\n<li><strong><span class=\"exergue\">Une fois le contrat sign\u00e9, le cr\u00e9dit-preneur s\u2019engage en g\u00e9n\u00e9ral \u00e0 aller jusqu\u2019\u00e0 l\u2019issue de la p\u00e9riode pr\u00e9vue au contrat<\/span><\/strong>. Il ne pourra donc pas s\u2019arr\u00eater en cours de contrat, ce qui, pour l\u2019acquisition d\u2019une voiture par exemple, emp\u00eache de changer librement comme s\u2019il finan\u00e7ait lui-m\u00eame l\u2019acquisition.<\/li>\n<\/ul>\n<h2>Qu\u2019en est-il en mati\u00e8re de TVA sur les redevances ?<\/h2>\n<p><a title=\"Comment choisir le r\u00e9gime de TVA\u00a0: simplifi\u00e9, normal, mini-r\u00e9el\u00a0?\" href=\"https:\/\/valoxy.org\/blog\/choisir-le-regime-de-tva-18092014avalirbo1\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>La TVA \u00a0sur les redevances<\/strong><\/a> de cr\u00e9dit-bail est de 20 %. Cette TVA\u00a0 est r\u00e9cup\u00e9rable sauf s\u2019il s\u2019agit d\u2019un v\u00e9hicule de tourisme.<\/p>\n<h2>Comment comptabiliser une op\u00e9ration de cr\u00e9dit-bail ?<\/h2>\n<p>On enregistre comptablement le paiement des redevances (ou loyers) dans un journal d\u2019achat :<\/p>\n<ul>\n<li>le montant Hors Taxe au d\u00e9bit du compte 6122 pour un cr\u00e9dit-bail mobilier ou du compte 6125 pour un cr\u00e9dit-bail immobilier,<\/li>\n<li>la TVA au d\u00e9bit du compte 44566,<\/li>\n<li>le montant TTC au cr\u00e9dit du compte 512 Banque ou dans un compte 401 Fournisseur si le cr\u00e9dit-bailleur est une entreprise sp\u00e9cialis\u00e9e.<\/li>\n<li>En fin d&rsquo;exercice social, les redevances \u00e0 payer l&rsquo;ann\u00e9e ou les ann\u00e9es suivantes peuvent \u00eatre provisionn\u00e9es dans le compte 486 charges constat\u00e9es d\u2019avance.<\/li>\n<\/ul>\n<figure id=\"attachment_10288\" aria-describedby=\"caption-attachment-10288\" style=\"width: 650px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-10288\" title=\"Comment comptabiliser une \u00e9criture du cr\u00e9dit \u2013 bail ?\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/comptabilisation-credit-bail-e1620302059981.png\" alt=\"Comment comptabiliser une \u00e9criture du cr\u00e9dit \u2013 bail ?\" width=\"650\" height=\"84\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/comptabilisation-credit-bail-e1620302059981.png 700w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/comptabilisation-credit-bail-e1620302059981-300x39.png 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><figcaption id=\"caption-attachment-10288\" class=\"wp-caption-text\">La comptabilisation d&rsquo;une \u00e9criture de cr\u00e9dit-bail<\/figcaption><\/figure>\n<p>Cet article vous a int\u00e9ress\u00e9 ? Dites-le nous dans les commentaires ci-apr\u00e8s ! Et retrouvez nos autres articles sur le blog de Valoxy :<\/p>\n<ul>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/credit-bail-faut-il-y-avoir-recour-27032015avallauduf\/\" target=\"_self\" rel=\"noopener\">Faut-il recourir au cr\u00e9dit-bail immobilier ?<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/le-leasing-pour-sequiper\/\" target=\"_self\" rel=\"noopener\">Le leasing pour s\u2019\u00e9quiper<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/credit-bail-leasing-loa-ldd-comment-les-differencier\/\" target=\"_self\" rel=\"noopener\">Cre\u0301dit bail, leasing, LOA, LDD, comment les diff\u00e9rencier ?<\/a><\/li>\n<li>Faut-il louer ses locaux professionnels\u00a0?\n<div class=\"mkd-pt-two-excerpt\">\n<div class=\"mkd-pt-two-excerpt\"><\/div>\n<\/div>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>De nombreuses entreprises envisagent de recourir au cr\u00e9dit-bail pour financer l\u2019acquisition d&rsquo;un bien. La souplesse de ce moyen de financement et sa simplicit\u00e9 de mise en oeuvre en font un outil appr\u00e9ci\u00e9 des dirigeants d&rsquo;entreprise, mais est-ce une option judicieuse&#8230;<\/p>\n","protected":false},"author":1,"featured_media":6455,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-10285","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le cr\u00e9dit-bail est-il un moyen de financement int\u00e9ressant ? | Valoxy<\/title>\n<meta name=\"description\" content=\"Le cr\u00e9dit-bail est un outil de financement facile \u00e0 mettre en oeuvre, pour tout type d&#039;\u00e9quipements, et dont les loyers sont d\u00e9ductibles.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/valoxy.org\/blog\/credit-bail-ce-meilleure-option\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le cr\u00e9dit-bail est-il un moyen de financement int\u00e9ressant ? 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