{"id":44746,"date":"2023-12-06T14:33:25","date_gmt":"2023-12-06T13:33:25","guid":{"rendered":"https:\/\/swiss21.org\/?p=44746"},"modified":"2024-03-29T08:44:50","modified_gmt":"2024-03-29T07:44:50","slug":"les-creanciers-et-les-debiteurs","status":"publish","type":"post","link":"https:\/\/swiss21.org\/fr\/les-creanciers-et-les-debiteurs\/","title":{"rendered":"Les cr\u00e9anciers et les d\u00e9biteurs : Ce que vous devez savoir"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"44746\" class=\"elementor elementor-44746 elementor-35599\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31a7054 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"31a7054\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b98ee48 e-flex e-con-boxed e-con e-parent\" data-id=\"b98ee48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10ec6c3 elementor-widget elementor-widget-spacer\" data-id=\"10ec6c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac4f50f e-flex e-con-boxed e-con e-parent\" data-id=\"ac4f50f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73f0d41 elementor-widget elementor-widget-heading\" data-id=\"73f0d41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les cr\u00e9anciers et les d\u00e9biteurs : Ce que vous devez savoir<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41c5b40 elementor-widget elementor-widget-text-editor\" data-id=\"41c5b40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les comptes cr\u00e9anciers et d\u00e9biteurs font partie int\u00e9grante du commerce moderne et de la comptabilit\u00e9 moderne.<\/p><p>L\u2019octroi de cr\u00e9dits permet aux clients de consommer et d\u2019effectuer des d\u00e9penses\u00a0<strong>m\u00eame s\u2019ils n\u2019ont pas les moyens financiers du moment.<\/strong>\u00a0Aux entreprises il permet de produire sans devoir retirer les fonds de leurs activit\u00e9s op\u00e9rationnelles, rendant ainsi\u00a0<strong>les achats ind\u00e9pendants des influences directes des affaires courantes.<\/strong><\/p><p>Mais qui doit quoi \u00e0 qui ? Dans la comptabilit\u00e9 financi\u00e8re, qui est cr\u00e9dit\u00e9 de quel montant lors d\u2019une telle transaction ? Et quelle est la diff\u00e9rence entre un d\u00e9biteur et un cr\u00e9ancier ?<\/p><p>Nous r\u00e9pondons \u00e0 ces questions et \u00e0 bien d\u2019autres dans ce qui suit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6794b4d e-flex e-con-boxed e-con e-parent\" data-id=\"6794b4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a9abe6 elementor-widget elementor-widget-spacer\" data-id=\"4a9abe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e153a6 e-flex e-con-boxed e-con e-parent\" data-id=\"4e153a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9922c0 elementor-widget elementor-widget-image\" data-id=\"d9922c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"400\" src=\"https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/difference-comptabilite-fournisseurs.webp\" class=\"attachment-qi_blocks_image_size_landscape size-qi_blocks_image_size_landscape wp-image-35606\" alt=\"\" srcset=\"https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/difference-comptabilite-fournisseurs.webp 1200w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/difference-comptabilite-fournisseurs-300x100.webp 300w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/difference-comptabilite-fournisseurs-1024x341.webp 1024w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/difference-comptabilite-fournisseurs-768x256.webp 768w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/difference-comptabilite-fournisseurs-700x233.webp 700w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb95693 e-flex e-con-boxed e-con e-parent\" data-id=\"fb95693\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1411fd elementor-widget elementor-widget-spacer\" data-id=\"d1411fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7596383 e-flex e-con-boxed e-con e-parent\" data-id=\"7596383\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cff0ef elementor-widget elementor-widget-heading\" data-id=\"9cff0ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce qu\u2019un d\u00e9biteur?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-121953d elementor-widget elementor-widget-text-editor\" data-id=\"121953d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_section et_pb_section_2 et_section_regular\"><div class=\"et_pb_row et_pb_row_2\"><div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2 et_pb_css_mix_blend_mode_passthrough et-last-child\"><div class=\"et_pb_module et_pb_text et_pb_text_1 et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>Un client est un d\u00e9biteur, quand il n\u2019a pas encore r\u00e9gl\u00e9 une facture qui est n\u00e9e .<\/p><p>Il peut s\u2019agir par exemple d\u2019un client ou d\u2019une cliente final(e) qui effectue un achat financier avec paiement mensuel \u00e9chelonn\u00e9. S\u2019il s\u2019agit d\u2019une entreprise, d\u2019un fournisseur vis-\u00e0-vis duquel nous percevons des cr\u00e9ances\u00a0<strong>r\u00e9sultant de livraisons et de prestations<\/strong>\u00a0ou encore d\u2019une\u00a0entreprise qui doit\u00a0<strong>rembourser un cr\u00e9dit aupr\u00e8s d\u2019une banque<\/strong>.<\/p><p>Tant que des paiements restent en suspens , c\u2019est-\u00e0-dire impay\u00e9s , un d\u00e9biteur reste un d\u00e9biteur.<\/p><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf60d43 elementor-widget elementor-widget-heading\" data-id=\"bf60d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce qu\u2019un fournisseur?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50fc42d elementor-widget elementor-widget-text-editor\" data-id=\"50fc42d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_section et_pb_section_3 et_section_regular\"><div class=\"et_pb_row et_pb_row_3\"><div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3 et_pb_css_mix_blend_mode_passthrough et-last-child\"><div class=\"et_pb_module et_pb_text et_pb_text_2 et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>Le fournisseur est l\u2019\u00e9quivalent du d\u00e9biteur, le cr\u00e9ancier, c\u2019est-\u00e0-dire celui ou celle qui a des cr\u00e9ances ouvertes sur quelqu\u2019un. En comptabilit\u00e9, ce terme fait g\u00e9n\u00e9ralement r\u00e9f\u00e9rence aux fournisseurs dont les services ou les marchandises sont utilis\u00e9s,\u00a0<strong>mais qui ne sont pay\u00e9s qu\u2019ult\u00e9rieurement<\/strong>. La comptabilit\u00e9 fournisseurs s\u2019occupe donc principalement du traitement des factures entrantes.<\/p><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d5155b e-flex e-con-boxed e-con e-parent\" data-id=\"9d5155b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca28a98 elementor-widget elementor-widget-spacer\" data-id=\"ca28a98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-559285c e-flex e-con-boxed e-con e-parent\" data-id=\"559285c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-63ce1b3 e-con-full e-flex e-con e-child\" data-id=\"63ce1b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2956e63 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2956e63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avec Swiss21 les t\u00e2ches administratives\nappartiennent au pass\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e163cb5 elementor-widget elementor-widget-text-editor\" data-id=\"e163cb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Effectuez vos offres, factures, notes de frais et paiements en quelques clics<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-caf2d20 e-con-full e-flex e-con e-child\" data-id=\"caf2d20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-790534a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"790534a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/portal.swiss21.org\/signup\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9marrer gratuitement<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a14debc e-flex e-con-boxed e-con e-parent\" data-id=\"a14debc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3313c1 elementor-widget elementor-widget-spacer\" data-id=\"a3313c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-788bbe9 e-flex e-con-boxed e-con e-parent\" data-id=\"788bbe9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91180fb elementor-widget elementor-widget-heading\" data-id=\"91180fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels comptes appartiennent aux d\u00e9biteurs ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61fee6d elementor-widget elementor-widget-text-editor\" data-id=\"61fee6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans la comptabilit\u00e9, les d\u00e9biteurs et les cr\u00e9anciers sont surtout importants lorsque la date de la facture diff\u00e8re de la date du paiement. \u00a0Il en r\u00e9sulte un poste ouvert qui doit \u00eatre not\u00e9 dans la comptabilit\u00e9.\u00a0<strong>Les comptes d\u00e9biteurs enregistrent les cr\u00e9ances r\u00e9sultant de livraisons et de prestations.<\/strong><\/p><p>Il repr\u00e9sente donc un avoir vis-\u00e0-vis des clientes et des clients.\u00a0Le compte client regroupe les cr\u00e9ances du livre auxiliaire, dans lequel chaque client est g\u00e9r\u00e9 s\u00e9par\u00e9ment. On peut aussi parler de \u00ab\u00a0gestion des cr\u00e9ances\u00a0\u00bb pour la comptabilit\u00e9 des d\u00e9biteurs, car elle se concentre sur nos cr\u00e9ances envers les clientes et les clients.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61636f4 elementor-widget elementor-widget-heading\" data-id=\"61636f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels comptes appartiennent au fournisseur?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0a4a03 elementor-widget elementor-widget-text-editor\" data-id=\"f0a4a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les comptes cr\u00e9diteurs constituent la contrepartie des comptes d\u00e9biteurs. Ils sont utilis\u00e9s pour comptabiliser les relations de compte courant entre l\u2019entreprise elle-m\u00eame et les fournisseurs (cr\u00e9anciers) aupr\u00e8s desquels l\u2019entreprise ach\u00e8te des biens ou des services qui ne sont pas pay\u00e9s directement \u00e0 la r\u00e9ception du bien ou du service.<\/p><p><strong>La comptabilit\u00e9 fournisseurs a pour objectif<\/strong>\u00a0de respecter les d\u00e9lais de paiement, donc de payer les dettes (\u00e0 court terme) \u00e0 temps et de maintenir ainsi les relations avec les fournisseurs et de les rendre positives.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-617a22f e-flex e-con-boxed e-con e-parent\" data-id=\"617a22f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d2f1f2 elementor-widget elementor-widget-spacer\" data-id=\"8d2f1f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b5726f e-flex e-con-boxed e-con e-parent\" data-id=\"1b5726f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b13b1b elementor-widget elementor-widget-image\" data-id=\"0b13b1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"400\" src=\"https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/description-debiteur.webp\" class=\"attachment-qi_blocks_image_size_landscape size-qi_blocks_image_size_landscape wp-image-35609\" alt=\"\" srcset=\"https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/description-debiteur.webp 1200w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/description-debiteur-300x100.webp 300w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/description-debiteur-1024x341.webp 1024w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/description-debiteur-768x256.webp 768w, https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/description-debiteur-700x233.webp 700w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-172ffd8 e-flex e-con-boxed e-con e-parent\" data-id=\"172ffd8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a31313d elementor-widget elementor-widget-spacer\" data-id=\"a31313d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1caaa0 e-flex e-con-boxed e-con e-parent\" data-id=\"a1caaa0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3293d58 elementor-widget elementor-widget-heading\" data-id=\"3293d58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conseils pour votre gestion des d\u00e9biteurs et des cr\u00e9anciers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02164ed elementor-widget elementor-widget-text-editor\" data-id=\"02164ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light\" style=\"margin-bottom: 34.375px; font-size: 18px; text-size-adjust: 100%; background-position: 50% center; background-size: cover; background-repeat: no-repeat; background-color: #ffffff; position: relative; animation-timing-function: linear; animation-duration: 0.2s; overflow-wrap: break-word; color: #000000; font-family: Arial, Helvetica, Arial, Lucida, sans-serif;\"><div class=\"et_pb_text_inner\" style=\"text-size-adjust: 100%; position: relative;\"><div class=\"page\" style=\"text-size-adjust: 100%;\" data-page-number=\"2\" data-loaded=\"true\"><div class=\"textLayer\" style=\"text-size-adjust: 100%;\"><div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>La gestion des comptes cr\u00e9diteurs et des comptes d\u00e9biteurs est une branche importante dans de nombreuses entreprises modernes. L\u2019achat \u00e0 temp\u00e9rament (cr\u00e9dit \u00e0 la consommation), par exemple,\u00a0<strong>ouvre la possibilit\u00e9, en particulier pour les march\u00e9s de consommation finale<\/strong>, de rendre payables et donc possibles, en plus des autres modes de paiement tels que l\u2019achat au comptant ou le paiement par carte, des achats ne n\u00e9cessitant pas les liquidit\u00e9s momentan\u00e9es de la cliente ou du client.<\/p><p>En revanche, les entreprises b\u00e9n\u00e9ficient\u00a0<strong>d\u2019une flexibilit\u00e9 de planification gr\u00e2ce \u00e0 la gestion des comptes fournisseurs<\/strong>\u00a0et des comptes clients, car le capital immobilis\u00e9 peut continuer \u00e0 l\u2019\u00eatre gr\u00e2ce aux paiements diff\u00e9r\u00e9s des factures entrantes et les achats ne sont pas directement li\u00e9s aux activit\u00e9s quotidiennes, aux pr\u00e9l\u00e8vements et aux avoirs quotidiens, et sont donc garantis ind\u00e9pendamment des fluctuations quotidiennes.<\/p><p>Mais il y a aussi des choses auxquelles il faut penser et auxquelles il faut faire attention pour \u00e9viter de s\u00e9rieux probl\u00e8mes dans la gestion des cr\u00e9anciers et des d\u00e9biteurs.<\/p><\/div><\/div><div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><h3>Voici quelques conseils pour que vous et votre entreprise puissiez profiter de la gestion des cr\u00e9anciers et des d\u00e9biteurs :<\/h3><ul><li>La vue d\u2019ensemble est indispensable. En plus du compte de r\u00e9sultat, il faut imp\u00e9rativement tenir la comptabilit\u00e9 des fournisseurs et des d\u00e9biteurs.<\/li><\/ul><ul><li>Automatisez si possible les paiements r\u00e9currents \u00e0 vos cr\u00e9anciers.<\/li><\/ul><ul><li>En tant que cr\u00e9ancier, essayez si possible\u00a0<strong>de ne proposer des cr\u00e9dits \u00e0 vos d\u00e9biteurs (clients) que s\u2019il existe une probabilit\u00e9 r\u00e9aliste qu\u2019ils soient rembours\u00e9s.<\/strong>\u00a0Si une cr\u00e9ance doit \u00eatre c\u00e9d\u00e9e \u00e0 une soci\u00e9t\u00e9 de recouvrement, par exemple, une partie du montant de la facture sera toujours d\u00e9duite par le prestataire de services, ce qui r\u00e9duira votre b\u00e9n\u00e9fice. En outre, les impay\u00e9s dus \u00e0 une mauvaise morale de paiement des clients peuvent avoir un impact extr\u00eamement n\u00e9gatif sur les liquidit\u00e9s de l\u2019entreprise.<\/li><\/ul><ul><li>Dans la mesure du possible,\u00a0<strong>payez toujours les factures impay\u00e9es<\/strong>\u00a0aux fournisseurs conform\u00e9ment au calendrier de paiement, afin de ne pas mettre en p\u00e9ril les bonnes relations avec les fournisseurs et de ne pas perdre votre s\u00e9rieux.<\/li><\/ul><ul><li><strong>Calculez \u00e0 l\u2019avance<\/strong>\u00a0et avec pr\u00e9cision le nombre de dettes \u00e0 court terme que vous pouvez contracter et ne vous fiez en aucun cas, lors de ce calcul, \u00e0 d\u2019\u00e9ventuels encaissements futurs par des tiers pour ne pas vous retrouver en difficult\u00e9 de paiement.<\/li><\/ul><ul><li><strong>G\u00e9rez les fiches fournisseurs.<\/strong>\u00a0Dans ce cas, vous saisissez dans une base de donn\u00e9es tous les cr\u00e9anciers qui entretiennent des relations commerciales r\u00e9guli\u00e8res et durables avec votre entreprise et vous leur attribuez un num\u00e9ro d\u2019identification, appel\u00e9 num\u00e9ro de cr\u00e9ancier.<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52c7ff3 e-flex e-con-boxed e-con e-parent\" data-id=\"52c7ff3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4acd1b3 elementor-widget elementor-widget-spacer\" data-id=\"4acd1b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c6ef9d elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"8c6ef9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77a100e elementor-widget elementor-widget-spacer\" data-id=\"77a100e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffeb8d6 elementor-widget elementor-widget-author-box\" data-id=\"ffeb8d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/swiss21.org\/wp-content\/uploads\/2023\/12\/Philip_Poschung.webp\" alt=\"Image de Philip Poschung\" loading=\"lazy\" title=\"\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<span class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tPhilip Poschung\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Philip est un expert en marketing digital et en finance d\u2019entreprise. Il a effectu\u00e9 un master \u00e0 la Haute Ecole de Berne dans le domaine Business Administration.<\/p>\n<p>Il donne des cours aux fiduciaires pour l\u2019application 21.AbaNinja et est responsable produit pour Swiss21. Il met en place la strat\u00e9gie ainsi que le d\u00e9veloppement de la marque. Nous esp\u00e9rons que cet article r\u00e9pondra \u00e0 vos besoins et on se r\u00e9jouit de revenir vers vous avec un nouveau sujet !<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df91515 e-grid-align-right elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"df91515\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-074e014\" href=\"https:\/\/www.linkedin.com\/in\/piero-papis\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-771ee6b e-flex e-con-boxed e-con e-parent\" data-id=\"771ee6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8ab83f elementor-widget elementor-widget-spacer\" data-id=\"e8ab83f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86eb60e e-flex e-con-boxed e-con e-parent\" data-id=\"86eb60e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0d981 elementor-widget elementor-widget-qi_addons_for_elementor_blog_list\" data-id=\"ff0d981\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blog_list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-addons-blog-list qodef-info-no-icons qodef-image--hover-zoom qodef-qi-grid qodef-layout--qi-columns qodef-col-num--3 qodef-item-layout--boxed qodef-responsive--predefined\" >\n\t<div class=\"qodef-grid-inner\">\n\t\t<article class=\"qodef-e qodef-blog-item qodef-grid-item qodef-item--full post-48827 post type-post status-publish format-standard has-post-thumbnail hentry category-communique-de-presse\">\n\t<div class=\"qodef-e-inner\">\n\t\t<div class=\"qodef-e-media-holder\">\n\t\t\t<div class=\"qodef-e-media\">\n\t\t<div class=\"qodef-e-media-image\">\n\t\t<a itemprop=\"url\" href=\"https:\/\/swiss21.org\/fr\/swiss21-x-yes-ensemble-pour-encourager-lesprit-dentreprise-de-demain\/\">\n\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/swiss21.org\/wp-content\/uploads\/2026\/03\/yes-swiss21-partnership1.jpg\" class=\"attachment-full size-full\" alt=\"Swiss21 x YES\" srcset=\"https:\/\/swiss21.org\/wp-content\/uploads\/2026\/03\/yes-swiss21-partnership1.jpg 1024w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/03\/yes-swiss21-partnership1-300x200.jpg 300w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/03\/yes-swiss21-partnership1-768x512.jpg 768w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/03\/yes-swiss21-partnership1-700x467.jpg 700w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" title=\"\">\t\t<\/a>\n\t\t\t<\/div>\n<\/div>\n<div itemprop=\"dateCreated\" class=\"qodef-e-info-item qodef-e-info-date entry-date \">\n\t<a itemprop=\"url\" href=\"https:\/\/swiss21.org\/fr\/2026\/03\/\">\n\t\t12 Mar\t<\/a>\n<\/div>\n\t\t<\/div>\n\t\t<div class=\"qodef-e-content\">\n\t\t\t\t\t\t\t<div class=\"qodef-e-info qodef-info--top\">\n\t\t\t\t\t<div class=\"qodef-e-info-item qodef-e-info-category\">\n\t\t<a href=\"https:\/\/swiss21.org\/fr\/communique-de-presse\/\" rel=\"category tag\">Communiqu\u00e9 de presse<\/a><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"qodef-e-text\">\n\t\t\t\t<h3 itemprop=\"name\" class=\"qodef-e-title entry-title\">\n\t<a itemprop=\"url\" class=\"qodef-e-title-link\" href=\"https:\/\/swiss21.org\/fr\/swiss21-x-yes-ensemble-pour-encourager-lesprit-dentreprise-de-demain\/\">\n\t\tSwiss21 x YES &#8211; Ensemble pour encourager l&#8217;esprit d&#8217;entreprise de demain\t<\/a>\n<\/h3>\n\t\t<p itemprop=\"description\" class=\"qodef-e-excerpt\">\n\t\t\tSwiss21 x YES \u2013 Ensemble pour encourager l&#8217;esprit d&#8217;entreprise de demain 12.03.2026 Depuis de nombreuses ann\u00e9es, Swiss21...\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"qodef-e-info qodef-info--bottom\">\n\t\t\t\t\t\t<div class=\"qodef-e-read-more\">\n\t\t<a class=\"qodef-shortcode qodef-m qodef-qi-button qodef-html--link qodef-layout--textual qodef-type--standard qodef-icon--right qodef-hover--icon-move-horizontal-short qodef-text-underline qodef-underline--left\" href=\"https:\/\/swiss21.org\/fr\/swiss21-x-yes-ensemble-pour-encourager-lesprit-dentreprise-de-demain\/\" target=\"_self\">\t<span class=\"qodef-m-text\">WEITERLESEN<\/span>\t<\/a>\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<article class=\"qodef-e qodef-blog-item qodef-grid-item qodef-item--full post-47628 post type-post status-publish format-standard has-post-thumbnail hentry category-numerisation\">\n\t<div class=\"qodef-e-inner\">\n\t\t<div class=\"qodef-e-media-holder\">\n\t\t\t<div class=\"qodef-e-media\">\n\t\t<div class=\"qodef-e-media-image\">\n\t\t<a itemprop=\"url\" href=\"https:\/\/swiss21.org\/fr\/envoyez-fiches-de-paie-deepmail-abasalary\/\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/deepmail-abasalary-swiss21-2.webp\" class=\"attachment-full size-full\" alt=\"DeepMail\" srcset=\"https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/deepmail-abasalary-swiss21-2.webp 2560w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/deepmail-abasalary-swiss21-2-300x169.webp 300w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/deepmail-abasalary-swiss21-2-1024x576.webp 1024w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/deepmail-abasalary-swiss21-2-768x432.webp 768w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/deepmail-abasalary-swiss21-2-1536x864.webp 1536w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/deepmail-abasalary-swiss21-2-2048x1152.webp 2048w, 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href=\"https:\/\/swiss21.org\/fr\/envoyez-fiches-de-paie-deepmail-abasalary\/\">\n\t\tEnvoyez vos fiches de paie en toute s\u00e9curit\u00e9 avec DeepMail et 21.AbaSalary\t<\/a>\n<\/h3>\n\t\t<p itemprop=\"description\" class=\"qodef-e-excerpt\">\n\t\t\tEnvoyez vos fiches de paie en toute s\u00e9curit\u00e9 avec DeepMail et 21.AbaSalary 06.02.2026 Envoyer des documents sensibles...\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"qodef-e-info qodef-info--bottom\">\n\t\t\t\t\t\t<div class=\"qodef-e-read-more\">\n\t\t<a class=\"qodef-shortcode qodef-m qodef-qi-button qodef-html--link qodef-layout--textual qodef-type--standard qodef-icon--right qodef-hover--icon-move-horizontal-short qodef-text-underline qodef-underline--left\" href=\"https:\/\/swiss21.org\/fr\/envoyez-fiches-de-paie-deepmail-abasalary\/\" target=\"_self\">\t<span class=\"qodef-m-text\">WEITERLESEN<\/span>\t<\/a>\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<article class=\"qodef-e qodef-blog-item qodef-grid-item qodef-item--full post-47460 post type-post status-publish format-standard has-post-thumbnail hentry category-numerisation\">\n\t<div class=\"qodef-e-inner\">\n\t\t<div class=\"qodef-e-media-holder\">\n\t\t\t<div class=\"qodef-e-media\">\n\t\t<div class=\"qodef-e-media-image\">\n\t\t<a itemprop=\"url\" href=\"https:\/\/swiss21.org\/fr\/secure-mail-explication-communication-securisee-mail\/\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/Blogbeitrag-Update-21.-Commerce-1000-x-500-px-5-1.jpg\" class=\"attachment-full size-full\" alt=\"Secure Mail\" srcset=\"https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/Blogbeitrag-Update-21.-Commerce-1000-x-500-px-5-1.jpg 1000w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/Blogbeitrag-Update-21.-Commerce-1000-x-500-px-5-1-300x150.jpg 300w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/Blogbeitrag-Update-21.-Commerce-1000-x-500-px-5-1-768x384.jpg 768w, https:\/\/swiss21.org\/wp-content\/uploads\/2026\/01\/Blogbeitrag-Update-21.-Commerce-1000-x-500-px-5-1-700x350.jpg 700w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" title=\"\">\t\t<\/a>\n\t\t\t<\/div>\n<\/div>\n<div itemprop=\"dateCreated\" class=\"qodef-e-info-item qodef-e-info-date entry-date \">\n\t<a itemprop=\"url\" href=\"https:\/\/swiss21.org\/fr\/2026\/01\/\">\n\t\t21 Jan\t<\/a>\n<\/div>\n\t\t<\/div>\n\t\t<div class=\"qodef-e-content\">\n\t\t\t\t\t\t\t<div class=\"qodef-e-info qodef-info--top\">\n\t\t\t\t\t<div class=\"qodef-e-info-item qodef-e-info-category\">\n\t\t<a href=\"https:\/\/swiss21.org\/fr\/numerisation\/\" rel=\"category tag\">Num\u00e9risation<\/a><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"qodef-e-text\">\n\t\t\t\t<h3 itemprop=\"name\" class=\"qodef-e-title entry-title\">\n\t<a itemprop=\"url\" class=\"qodef-e-title-link\" href=\"https:\/\/swiss21.org\/fr\/secure-mail-explication-communication-securisee-mail\/\">\n\t\tQu&#8217;est-ce que Secure Mail ? La communication par e-mail s\u00e9curis\u00e9e pour les entreprises expliqu\u00e9e simplement\t<\/a>\n<\/h3>\n\t\t<p itemprop=\"description\" class=\"qodef-e-excerpt\">\n\t\t\tQu&#8217;est-ce que Secure Mail ? La communication par e-mail s\u00e9curis\u00e9e pour les entreprises expliqu\u00e9e simplement 21.01.2026 Les...\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"qodef-e-info qodef-info--bottom\">\n\t\t\t\t\t\t<div class=\"qodef-e-read-more\">\n\t\t<a class=\"qodef-shortcode qodef-m qodef-qi-button qodef-html--link qodef-layout--textual qodef-type--standard qodef-icon--right qodef-hover--icon-move-horizontal-short qodef-text-underline qodef-underline--left\" href=\"https:\/\/swiss21.org\/fr\/secure-mail-explication-communication-securisee-mail\/\" target=\"_self\">\t<span class=\"qodef-m-text\">WEITERLESEN<\/span>\t<\/a>\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t<\/div>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Les cr\u00e9anciers et les d\u00e9biteurs : Ce que vous devez savoir Les comptes cr\u00e9anciers et d\u00e9biteurs font&#8230;<\/p>\n","protected":false},"author":9,"featured_media":42023,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[],"class_list":["post-44746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"_links":{"self":[{"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/posts\/44746","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/comments?post=44746"}],"version-history":[{"count":0,"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/posts\/44746\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/media\/42023"}],"wp:attachment":[{"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/media?parent=44746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/categories?post=44746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swiss21.org\/fr\/wp-json\/wp\/v2\/tags?post=44746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}