{"id":20623,"date":"2017-06-15T00:30:38","date_gmt":"2017-06-14T22:30:38","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=20623"},"modified":"2024-06-13T16:02:39","modified_gmt":"2024-06-13T14:02:39","slug":"prets-interentreprises-loi-macron","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/prets-interentreprises-loi-macron\/","title":{"rendered":"Les pr\u00eats interentreprises (loi Macron)"},"content":{"rendered":"<p>Les difficult\u00e9s de tr\u00e9sorerie sont un probl\u00e8me r\u00e9current pour la majorit\u00e9 des entreprises. Pour tenter de rem\u00e9dier \u00e0 cette situation, la loi a r\u00e9cemment autoris\u00e9 les pr\u00eats interentreprises. (Amendement JC Fromantin, dans le cadre de la loi Macron).<\/p>\n<p>Cette loi, qui vient \u00e9br\u00e9cher le monopole bancaire, est g\u00e9n\u00e9ratrice d\u2019opportunit\u00e9s pour les entreprises. Cependant, ses conditions d\u2019application sont strictes, et un certain flou demeure encore sur son application concr\u00e8te.<\/p>\n<p>Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts de France, fait le point pour vous.<\/p>\n<h2 style=\"padding-left: 30px;\">1. Quelles entreprises peuvent pr\u00eater, et \u00e0 qui\u00a0?<\/h2>\n<p>Jusqu\u2019\u00e0 maintenant seules les entreprises faisant partie d\u2019un groupe pouvaient se consentir des pr\u00eats entre elles (art L 511-7 du code mon\u00e9taire et financier). Il \u00e9tait \u00e9galement possible pour les entreprises entretenant des liens capitalistiques de se faire des pr\u00eats interentreprises via l\u2019utilisation d\u2019un compte courant.<\/p>\n<p>La loi Macron permet \u00e0 une entreprise de pr\u00eater \u00e0 une autre m\u00eame en l\u2019absence de lien financier direct. Il faut juste que les entreprises entretiennent des relations \u00e9conomiques.<\/p>\n<p>Ainsi, une soci\u00e9t\u00e9 peut pr\u00eater de l\u2019argent directement \u00e0 son fournisseur ou \u00e0 son client mais \u00e9galement \u00e0 une soci\u00e9t\u00e9 s\u0153ur, fille ou m\u00e8re, membre du m\u00eame groupe capitalistique.<\/p>\n<p>Les soci\u00e9t\u00e9s membres d\u2019un GIE peuvent aussi se consentir mutuellement des pr\u00eats interentreprises.<\/p>\n<p>La notion de lien \u00e9conomique englobe aussi les soci\u00e9t\u00e9s ayant acc\u00e8s au m\u00eame march\u00e9 public et celles qui ont b\u00e9n\u00e9fici\u00e9 (ou qui b\u00e9n\u00e9ficient) d\u2019une subvention visant \u00e0 associer les deux entreprises \u00e0 un projet commun<\/p>\n<h2 style=\"padding-left: 30px;\">2. Quelles sont les conditions pour consentir un pr\u00eat \u00e0 une autre entreprise\u00a0?<\/h2>\n<p>Cette exception au monopole bancaire est tr\u00e8s encadr\u00e9e. Seules les soci\u00e9t\u00e9s par actions (Soci\u00e9t\u00e9 Anonyme, Soci\u00e9t\u00e9 par Actions Simplifi\u00e9e, Soci\u00e9t\u00e9 en Commandite par Actions) et les SARL peuvent effectuer des pr\u00eats et \u00e0 condition que leurs comptes soient certifi\u00e9s par un Commissaire Aux Comptes. Afin de garantir la stabilit\u00e9 financi\u00e8re de la soci\u00e9t\u00e9 pr\u00eateuse, des conditions financi\u00e8res doivent \u00eatre respect\u00e9es\u00a0:<\/p>\n<ul>\n<li>Les capitaux propres doivent \u00eatre sup\u00e9rieurs au capital social.<\/li>\n<li>L\u2019Exc\u00e9dent Brut d\u2019Exploitation doit \u00eatre positif.<\/li>\n<li>La tr\u00e9sorerie nette (actifs financiers \u2013 dettes \u00e0 moins d\u2019un an) doit \u00eatre positive<\/li>\n<\/ul>\n<p>Cette activit\u00e9 (les pr\u00eats interentreprises) devra rester accessoire et l\u2019\u00e9ch\u00e9ance du pr\u00eat ne pourra exc\u00e9der deux ans.<\/p>\n<p>Les entreprises emprunteuses ne peuvent \u00eatre que des Petites et Moyennes Entreprises (moins de 250 salari\u00e9s, CA &lt; \u00e0 50 M \u20ac ou total de bilan &lt; 43 M \u20ac) ou des Entreprises de Tailles Interm\u00e9diaires (moins de 5000 salari\u00e9s, CA &lt; 1,5 Milliards \u20ac ou total de bilan &lt; 2 Milliards \u20ac).<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\" wp-image-5715\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/07\/pret-pour-linnovation.jpg\" alt=\"pr\u00eats interentreprises\" width=\"256\" height=\"203\" \/><\/p>\n<h2>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3. Quelles limites pour les pr\u00eats interentreprises ?<\/h2>\n<p>Enfin, le montant des pr\u00eats est \u00e9galement encadr\u00e9. Ainsi l\u2019ensemble des pr\u00eats \u00a0accord\u00e9s par une soci\u00e9t\u00e9 pour un exercice comptable ne doit pas exc\u00e9der le plus petit des deux montants suivants\u00a0: 50% de la tr\u00e9sorerie nette de l\u2019entreprise pr\u00eateuse ou 10% de la tr\u00e9sorerie nette du groupe.<\/p>\n<p>De plus, le total des pr\u00eats accord\u00e9s par une entreprise est limit\u00e9 selon sa taille\u00a0: \u00e0 10 millions d\u2019euros pour les PME (moins de 249 salari\u00e9s), 50 millions d\u2019euros pour les Entreprises de Tailles Interm\u00e9diaires (moins de 4 999 salari\u00e9s) et 100 millions pour les Grandes Entreprises (plus de 5 000 salari\u00e9s).<\/p>\n<p>Enfin au cours d\u2019un exercice comptable, la totalit\u00e9 des pr\u00eats accord\u00e9s \u00e0 une entreprise ne doit pas \u00eatre sup\u00e9rieure \u00e0 5% du plafond global des pr\u00eats (qui nous l\u2019avons vu, varie selon la taille de l\u2019entreprise) ou 25% du plafond global des pr\u00eats mais dans la limite de 10\u00a0000 \u20ac.<\/p>\n<h4>Complexit\u00e9<\/h4>\n<p>On le remarque <strong>:<\/strong> si cette loi a pour vocation \u00e0 faciliter l\u2019acc\u00e8s au cr\u00e9dit des entreprises, les conditions d\u2019obtention restent n\u00e9anmoins complexes, et les montants unitaires limit\u00e9s. Cette complexit\u00e9 s\u2019explique pour deux raisons\u00a0:<\/p>\n<ul>\n<li>D\u2019une part il faut garantir la solidit\u00e9 financi\u00e8re de la soci\u00e9t\u00e9 pr\u00eateuse. L\u2019activit\u00e9 de pr\u00eat \u00e9tant risqu\u00e9e, il est n\u00e9cessaire de s\u2019assurer que la soci\u00e9t\u00e9 pr\u00eateuse ne va pas conna\u00eetre des difficult\u00e9s financi\u00e8res. C\u2019est pour cela que la pr\u00e9sence d\u2019un Commissaire aux Comptes est obligatoire et que des crit\u00e8res financiers (visant \u00e0 s\u2019assurer de l\u2019existence d\u2019une tr\u00e9sorerie suffisante) s&rsquo;imposent \u00e0 la soci\u00e9t\u00e9 pr\u00eateuse.<\/li>\n<li>D\u2019autre part, le monopole des activit\u00e9s de pr\u00eat par les \u00e9tablissements financiers les oblige \u00e0 respecter des crit\u00e8res stricts (notamment les accords de B\u00e2le). C\u2019est pour maintenir ce monopole que les montants des pr\u00eats restent limit\u00e9s.<\/li>\n<\/ul>\n<p>Notons \u00e9galement que la possibilit\u00e9 pour les entreprises de consentir des pr\u00eats \u00e0 leurs partenaires \u00e9conomiques risque d\u2019aggraver les situations de d\u00e9pendance. A l\u2019inverse, les entreprises pr\u00eateuses n&rsquo;ont pas l&rsquo;habitude de l\u2019activit\u00e9 de pr\u00eat, ce qui peut s\u2019av\u00e9rer probl\u00e9matique pour \u00e9valuer le risque d\u2019une entreprise demandeuse.<\/p>\n<p>Enfin, il reste une incertitude sur la notion de lien \u00e9conomique. En l\u2019absence de jurisprudence, il n\u2019existe pas encore de pr\u00e9cision pour savoir si ce lien \u00e9conomique doit \u00eatre pr\u00e9existant ou concomitant au contrat de pr\u00eat. Ni sur les cons\u00e9quences d\u2019une cessation des liens \u00e9conomiques pendant la dur\u00e9e du pr\u00eat\u2026<\/p>\n<h4>En conclusion<\/h4>\n<p>La possibilit\u00e9 offerte aux entreprises de se pr\u00eater mutuellement de l\u2019argent peut \u00eatre une partie de la solution aux probl\u00e8mes de tr\u00e9sorerie rencontr\u00e9s par de nombreuses entreprises. Cependant, les conditions de mise en place de ces pr\u00eats, la forte limitation de leurs montants et les incertitudes soulev\u00e9es par cette mesure montrent qu\u2019elle ne suffira pas, \u00e0 elle seule, \u00e0 r\u00e9soudre la probl\u00e9matique de la tr\u00e9sorerie et de l\u2019acc\u00e8s \u00e0 l\u2019emprunt pour les PME.<\/p>\n<p class=\"p1\"><span class=\"s1\">Vous souhaitez en savoir plus sur les pr\u00eats interentreprises ? N\u2019h\u00e9sitez pas \u00e0 contacter votre expert comptable ! Et retrouvez nos articles sur le financement sur le blog de Valoxy :<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/apport-en-compte-courant\/\"><span class=\"s3\">Apport en compte courant, une solution de financement pour les entrepreneurs<\/span><\/a><\/span><\/li>\n<li class=\"li2\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/le-brevet-facilite-le-financement-et-le-developpement-des-start-up\/\"><span class=\"s3\">Le brevet facilite le financement et le d\u00e9veloppement des start-up<\/span><\/a><\/span><\/li>\n<li class=\"li2\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/modes-financement-entreprise\/\"><span class=\"s3\">Modes de financement qui ne font pas appel aux banques<\/span><\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Les difficult\u00e9s de tr\u00e9sorerie sont un probl\u00e8me r\u00e9current pour la majorit\u00e9 des entreprises. Pour tenter de rem\u00e9dier \u00e0 cette situation, la loi a r\u00e9cemment autoris\u00e9 les pr\u00eats interentreprises. (Amendement JC Fromantin, dans le cadre de la loi Macron). Cette loi,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":20624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-20623","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>Les pr\u00eats interentreprises (loi Macron) | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"Les pr\u00eats interentreprises ont \u00e9t\u00e9 autoris\u00e9s pour tenter de pallier aux difficult\u00e9s de tr\u00e9sorerie r\u00e9currentes de la majorit\u00e9 des entreprises.\" \/>\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\/prets-interentreprises-loi-macron\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les pr\u00eats interentreprises (loi Macron) | Blog Valoxy - 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