[{"data":1,"prerenderedAt":3983},["ShallowReactive",2],{"fr-blog/bear-market":3,"fr-global-content":631,"fr-article-global-content":2208,"fr-blog-article-more-articles-c0fff9bc-28bd-40d1-a075-96d63aec83c8":2462,"fr-blog-article-more-articles-210014034":3978},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":618,"full_slug":619,"sort_by_date":61,"position":620,"tag_list":621,"is_startpage":29,"parent_id":622,"meta_data":61,"group_id":623,"first_published_at":624,"release_id":61,"lang":67,"path":61,"alternates":625,"default_full_slug":626,"translated_slugs":627},"Bear Market : le mot de l'année 2023 ?","2022-10-26T14:23:49.601Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:44.377Z",210014034,"9b813a34-07e1-417c-a1ce-8409cc97a729",{"_uid":11,"roles":12,"title":4,"author":13,"topics":77,"content":140,"category":573,"language":599,"component":586,"heroMedia":600,"sidebarCta":609,"publishedAt":610,"readingTime":611,"redirectUrl":23,"listingImage":612,"metaDescription":617},"0dab1015-6949-498b-abc7-2c25086507cc",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":45,"full_slug":60,"sort_by_date":61,"position":62,"tag_list":63,"is_startpage":29,"parent_id":64,"meta_data":61,"group_id":65,"first_published_at":66,"release_id":61,"lang":67,"path":61,"alternates":68,"default_full_slug":69,"translated_slugs":70,"_stopResolving":76},"Gabriel Autran","2022-10-19T17:44:02.412Z","2026-03-12T10:47:22.582Z",206167994,"c9a15b72-6cfa-4af4-9833-8cc8cc8eba55",{"_uid":20,"name":14,"links":21,"picture":43,"lastName":48,"component":49,"firstName":50,"description":51},"f296e8a3-b92d-4cc8-b994-b996e5bbefb1",[22,36],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","d51b7e7b-c635-49fc-99e7-3449e9ad75d1",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/in/gabriel-sahli-autran/","url","multilink","primary","cta",{"tag":23,"_uid":37,"icon":38,"link":41,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"ea366fce-8220-4640-8d16-f3b6ce616c6d",{"id":39,"alt":23,"name":23,"focus":23,"title":23,"filename":40,"copyright":23,"fieldtype":28,"is_external_url":29},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":23,"url":42,"linktype":32,"fieldtype":33,"cached_url":42},"https://twitter.com/GabSLATR",{"id":44,"alt":45,"name":23,"focus":23,"title":23,"source":23,"filename":46,"copyright":23,"fieldtype":28,"meta_data":47,"is_external_url":29},13791944,"gabriel-autran","https://a.storyblok.com/f/146026/698x624/43261643c7/gabriel-autran.png",{},"Autran","author","Gabriel",{"type":52,"content":53},"doc",[54],{"type":55,"content":56},"paragraph",[57],{"text":58,"type":59},"Chez Spendesk, Gabriel a pour mission de transformer la finance d'entreprise en sujet du quotidien. Après plus de 5 ans à écrire pour divers secteurs de la tech française, Gabriel s'est spécialisé dans l'assur-tech et la fintech,  dans le but de mettre en valeur les courants profonds à l'œuvre dans les méthodes et outils de gestion des ressources, observables dans les grandes structures comme pour les plus modestes entités.","text","fr/blog/author/gabriel-autran",null,-970,[],176408854,"1299388e-ba28-4bc4-9671-0f5c67eee9be","2022-11-02T15:25:41.087Z","fr",[],"blog/author/gabriel-autran",[71,72,74],{"path":69,"name":61,"lang":67,"published":61},{"path":69,"name":61,"lang":73,"published":61},"de",{"path":69,"name":61,"lang":75,"published":61},"es",true,[78,100,120],{"name":79,"created_at":80,"published_at":6,"updated_at":81,"id":82,"uuid":83,"content":84,"slug":87,"full_slug":88,"sort_by_date":61,"position":89,"tag_list":90,"is_startpage":29,"parent_id":91,"meta_data":61,"group_id":92,"first_published_at":93,"release_id":61,"lang":67,"path":61,"alternates":94,"default_full_slug":95,"translated_slugs":96,"_stopResolving":76},"Tendances","2022-10-19T17:57:54.755Z","2026-03-12T10:47:23.305Z",206171420,"c0fff9bc-28bd-40d1-a075-96d63aec83c8",{"_uid":85,"name":79,"component":86},"01198365-d840-484a-913e-23d34f966269","tag","tendances","fr/blog/topic/tendances",-240,[],176456153,"93bcd96b-1759-4cf6-9cdf-680920ecb67a","2022-11-02T15:24:49.456Z",[],"blog/topic/tendances",[97,98,99],{"path":95,"name":61,"lang":67,"published":61},{"path":95,"name":61,"lang":73,"published":61},{"path":95,"name":61,"lang":75,"published":61},{"name":101,"created_at":102,"published_at":6,"updated_at":103,"id":104,"uuid":105,"content":106,"slug":108,"full_slug":109,"sort_by_date":61,"position":110,"tag_list":111,"is_startpage":29,"parent_id":91,"meta_data":61,"group_id":112,"first_published_at":113,"release_id":61,"lang":67,"path":61,"alternates":114,"default_full_slug":115,"translated_slugs":116,"_stopResolving":76},"Définitions","2022-10-19T17:57:53.036Z","2026-03-12T10:47:23.228Z",206171414,"4eb63393-291f-41de-88a9-d09d440119df",{"_uid":107,"name":101,"component":86},"4b129421-c813-4491-8835-bb3b4776fcc3","definitions","fr/blog/topic/definitions",-180,[],"a6a39cd8-f138-4757-9ab3-b801e1ea1a0d","2022-11-02T15:24:51.468Z",[],"blog/topic/definitions",[117,118,119],{"path":115,"name":61,"lang":67,"published":61},{"path":115,"name":61,"lang":73,"published":61},{"path":115,"name":61,"lang":75,"published":61},{"name":121,"created_at":122,"published_at":6,"updated_at":123,"id":124,"uuid":125,"content":126,"slug":128,"full_slug":129,"sort_by_date":61,"position":130,"tag_list":131,"is_startpage":29,"parent_id":91,"meta_data":61,"group_id":132,"first_published_at":133,"release_id":61,"lang":67,"path":61,"alternates":134,"default_full_slug":135,"translated_slugs":136,"_stopResolving":76},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-03-12T10:47:22.758Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"_uid":127,"name":121,"component":86},"5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",-60,[],"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[137,138,139],{"path":135,"name":61,"lang":67,"published":61},{"path":135,"name":61,"lang":73,"published":61},{"path":135,"name":61,"lang":75,"published":61},{"type":52,"content":141},[142,159,166,170,179,184,188,197,201,205,216,226,236,248,258,263,274,283,302,303,312,313,321,332,338,342,346,350,354,358,363,372,376,382,388,395,399,407,411,416,420,428,432,438,442,446,450,455,460,464,468,480,485,489,493,494,500,503,508,512,516,520,524,528,532,537,545,549,557,561,565,569],{"type":55,"content":143},[144,146,151,153,157],{"text":145,"type":59},"Dans les pays anglo-saxons, un ",{"text":147,"type":59,"marks":148},"Bear Market",[149],{"type":150},"italic",{"text":152,"type":59}," désigne une période de repli de l'activité économique d'un marché, qu’on pourrait identifier par cette formule à une hibernation saisonnière. Ce terme se place en opposition à ",{"text":154,"type":59,"marks":155},"Bull Market,",[156],{"type":150},{"text":158,"type":59}," qui correspond lui à une tendance haussière généralisée.",{"type":160,"attrs":161,"content":163},"heading",{"level":162},2,[164],{"text":165,"type":59},"Bear Market : comment ne pas dire récession ?",{"type":55,"content":167},[168],{"text":169,"type":59},"Nous sommes au milieu d'un ralentissement du marché. Les économies qui, il y a quelques mois à peine, regorgeaient de liquidités (et les dépensaient), se replient maintenant sur elles-mêmes et font des économies de bouts de chandelle. C'est une période difficile, mais aussi un moment où une planification intelligente et un leadership fort de la part du DAF sont payants. ",{"type":55,"content":171},[172,174,177],{"text":173,"type":59},"Même si le terme de ",{"text":147,"type":59,"marks":175},[176],{"type":150},{"text":178,"type":59}," peut s'utiliser de la même manière que \"récession\", il nous rappelle toutefois que la période de repli n'est que de passage. Il faut donc tout aussi bien se préparer aux fluctuations baissières qu'à la reprise.",{"type":160,"attrs":180,"content":181},{"level":162},[182],{"text":183,"type":59},"Préparer sa baisse d'activité (et sa reprise) avec CFO Connect",{"type":55,"content":185},[186],{"text":187,"type":59},"Lors d'une récente session du CFO Connect Summit, nous avons demandé à trois directeurs financiers comment ils se préparent à un ralentissement de la croissance et à des contrôles de trésorerie plus stricts. Quelles sont leurs prévisions, quels changements ont-ils déjà effectués et quel est leur plan de match en tant que \"DAF de guerre\" ? ",{"type":189,"attrs":190},"blok",{"id":191,"body":192},"64570524-0c7c-450c-97fa-fcc7b51bfdbb",[193],{"_uid":194,"html":195,"component":196},"i-3ca27c31-2b86-4424-abd3-d8664cafebd4","\u003Ciframe width=\"900\" height=\"600\" src=\"https://www.youtube.com/embed/mFsmBqi4Ws0\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen>\u003C/iframe>","embed",{"type":55,"content":198},[199],{"text":200,"type":59},"Regardez le wébinaire dans son intégralité ou découvrez les principaux éléments à retenir ci-dessous.",{"type":55,"content":202},[203],{"text":204,"type":59},"À propos des intervenants : ",{"type":55,"content":206},[207,214],{"text":208,"type":59,"marks":209},"Julien Lafouge",[210],{"type":211,"attrs":212},"link",{"href":213,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.linkedin.com/in/julien-l-5618372/",{"text":215,"type":59}," : CFO, Spendesk",{"type":55,"content":217},[218,224],{"text":219,"type":59,"marks":220},"Dan Zhang",[221],{"type":211,"attrs":222},{"href":223,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.linkedin.com/in/danzhang229/",{"text":225,"type":59}," : SVP of Finance, ClickUp",{"type":55,"content":227},[228,234],{"text":229,"type":59,"marks":230},"Sergei Galperin",[231],{"type":211,"attrs":232},{"href":233,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.linkedin.com/in/sergei-galperin-6064a41/",{"text":235,"type":59}," : CFO, Alan",{"type":55,"content":237},[238,244,246],{"text":239,"type":59,"marks":240},"Amy O'brien",[241],{"type":211,"attrs":242},{"href":243,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.linkedin.com/in/amy-o-brien-682479a6/",{"text":245,"type":59}," (modératrice) : Reporter, Sifted ",{"type":247},"hard_break",{"type":160,"attrs":249,"content":250},{"level":162},[251,253,256],{"text":252,"type":59},"Pourquoi se préparer à un ",{"text":147,"type":59,"marks":254},[255],{"type":150},{"text":257,"type":59}," ?",{"type":55,"content":259},[260,262],{"text":261,"type":59},"Appelez cela comme vous voulez - un marché baissier, un ralentissement économique, une récession ou des \"temps difficiles\" - l'économie pointe actuellement vers un repli de la demande. Si l'on compare cette situation à celle des premiers jours de la pandémie de Covid-19, où certaines industries ont connu des difficultés mais où de nombreuses activités ont continué à progresser, la situation à mi-2022 est bien différente.  ",{"type":247},{"type":55,"content":264},[265,267,272],{"text":266,"type":59},"Et pour un groupe chanceux - à savoir les startups et les scaleups technologiques - 2021 ",{"text":268,"type":59,"marks":269},"a été en réalité une période de croissance",[270],{"type":271},"bold",{"text":273,"type":59},". Le climat de l’investissement était relativement favorable et de nouvelles licornes étaient créées presque tous les jours. Toutes les bonnes choses ont néanmoins une fin. \"L'un de nos investisseurs s'est vanté d'avoir prédit sept des deux dernières récessions\", explique Sergei. \"Ils avaient déjà vu tout ça auparavant, et ils savaient que le crash allait arriver\". ",{"type":55,"content":275},[276,278,279,280,282],{"text":277,"type":59},"\"Le message de nos investisseurs était très clair\", ajoute Dan, \"faites des réserves, privilégiez l'efficacité et l'efficience\".",{"type":247},{"type":247},{"text":281,"type":59},"Avec moins d'argent sur les marchés publics, la confiance des investisseurs est en baisse. Et il en va de même pour le capital-risque. \"Les entreprises ont pris l'habitude de lever des fonds chaque année\", explique Sergei. \"La période était favorable, donc on pouvait lever des fonds et se développer plus facilement\". ",{"type":247},{"type":55,"content":284},[285,287,293,295,296,300],{"text":286,"type":59},"Mais cette hypothèse ne fonctionne plus. Comme nous l'avons appris lors d'une autre session du sommet, les ",{"text":288,"type":59,"marks":289},"VCs investissent toujours",[290],{"type":211,"attrs":291},{"href":292,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.youtube.com/watch?v=pYUc90k8RuQ",{"text":294,"type":59},". Ces derniers le font cependant à un rythme plus lent, avec un œil beaucoup plus attentif aux données financières de chaque entreprise. ",{"type":247},{"text":297,"type":59,"marks":298},"Les entreprises ne peuvent pas compter sur une offre inépuisable de capital-risque",[299],{"type":271},{"text":301,"type":59},". Il est temps de privilégier l'efficacité, de s'assure de sa viabilité à moyen terme et peut-être même de viser la rentabilité.",{"type":55},{"type":189,"attrs":304},{"id":191,"body":305},[306],{"_uid":307,"name":219,"role":308,"image":309,"quote":310,"component":311},"i-77af19a7-8295-4866-93e4-7c24bd5a7046","SVP Finance - ClickUp",{"id":61,"alt":61,"name":23,"focus":61,"title":61,"filename":23,"copyright":61,"fieldtype":28},"\"C'est un peu comme conduire sur l'autoroute sans airbag, si vous freinez brusquement, vous pouvez vous blesser\".","quote",{"type":55},{"type":160,"attrs":314,"content":315},{"level":162},[316,318],{"text":317,"type":59},"La checklist pour se préparer au ",{"text":147,"type":59,"marks":319},[320],{"type":150},{"type":55,"content":322},[323,325,329,331],{"text":324,"type":59},"Qu'elle soit demandée par le conseil d'administration, par d'autres dirigeants ou que vous preniez simplement l'initiative, la préparation de votre entreprise à un ",{"text":326,"type":59,"marks":327},"bear market",[328],{"type":150},{"text":330,"type":59}," est judicieuse dans le climat actuel. Voici comment nos experts ont procédé pour leurs entreprises. ",{"type":247},{"type":160,"attrs":333,"content":335},{"level":334},3,[336],{"text":337,"type":59},"1. Évaluer votre position actuelle",{"type":55,"content":339},[340],{"text":341,"type":59},"\"Si vous comprenez très bien l'entreprise, vous comprendrez aussi comment influencer les décisions pour optimiser la valeur de l'entreprise\", dit Dan. Quelles que soient vos prédictions sur l'état du marché, elles ne valent pas grand-chose si vous ne connaissez pas votre position actuelle en termes de trésorerie, ainsi que vos forces et faiblesses financières.  ",{"type":55,"content":343},[344],{"text":345,"type":59},"Cela est vrai en partie parce que toutes les récessions ou tous les ralentissements ne touchent pas tout le monde de la même manière. \"Certaines entreprises souffriront plus que d'autres\", affirme M. Julien. \"Dans mon précédent rôle chez BlaBlaCar, Covid a frappé et nous ne pouvions tout simplement pas fonctionner. Il était interdit par le gouvernement. Mais Spendesk est relativement à l'abri du Covid - nous sommes un outil numérique qui aide les entreprises à gérer leur trésorerie et leurs dépenses.\" ",{"type":55,"content":347},[348],{"text":349,"type":59},"Et c'est par la trésorerie que la plupart des directeurs financiers devraient commencer. Selon Julien, \"être bien capitalisé est fondamental. En France, 62% des startups n'ont qu'une marge de manœuvre d'un an. Et quand une crise survient, ce n'est rien\".",{"type":55,"content":351},[352],{"text":353,"type":59},"ClickUp et Alan ont tous deux levé des fonds en prévision d'un ralentissement. \"Nous avons levé notre série D en avril 2021 pour nous donner une marge de manœuvre de 18 mois\", explique Sergei. \"Et puis, à la fin de 2021, l'un de nos investisseurs nous a dit de ne pas attendre six mois de plus (ce qui était notre plan). Allez-y maintenant ! Et nous avons pu lever des fonds en position de force - pour trois ans de marge de manœuvre.\"",{"type":55,"content":355},[356],{"text":357,"type":59},"Avec de l'argent en banque, les trois entreprises peuvent surmonter un ralentissement financier avec une relative confiance. Plutôt qu'une question de survie, la période à venir est l'occasion d'améliorer l'économie unitaire globale de l'entreprise et de se concentrer sur l'efficacité. ",{"type":160,"attrs":359,"content":360},{"level":334},[361],{"text":362,"type":59},"2. Établir des prévisions fondées sur des scénarios difficiles mais réalistes",{"type":55,"content":364},[365,367,370],{"text":366,"type":59},"Nous ne savons pas encore s'il s'agit d'un ",{"text":326,"type":59,"marks":368},[369],{"type":150},{"text":371,"type":59},", d'un ralentissement économique ou d'une véritable récession. Et l'impact de chacune de ces possibilités sera différent selon votre secteur d'activité, votre modèle économique et votre situation de trésorerie. ",{"type":55,"content":373},[374],{"text":375,"type":59},"Vous pouvez ainsi créer des prévisions avec toute une série de scénarios (y compris les pires).",{"type":55,"content":377},[378],{"text":379,"type":59,"marks":380},"\"La crise de Covid nous a montré à tous que, aussi bons que nous pensions être, nous n'avons jamais construit les scénarios parfaits\", dit Julien. \"Chez BlaBlaCar, le chiffre d'affaires est passé à zéro du jour au lendemain. Nous n'avions pas prévu cela.\" ",[381],{"type":150},{"type":55,"content":383},[384],{"text":385,"type":59,"marks":386},"\"Vous pouvez penser que vous faites des tests de résistance en ajoutant ou en soustrayant 20%, mais ce n'est pas le cas. Faites des scénarios beaucoup plus larges en termes de durée, d'impact et d'amplitude. Chez BlaBlaCar, nous devions savoir combien de temps nous pouvions supporter un revenu nul. Il y a beaucoup d'incertitude, et personne n'a raison ou tort.\"",[387],{"type":150},{"type":189,"attrs":389},{"id":390,"body":391},"b024267f-e523-467c-b6c0-54e32b7fd5a8",[392],{"_uid":393,"html":394,"component":196},"i-295347a8-43b5-4a07-ba3b-1859e56fab2b","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\">\u003Cspan class=\"hs-cta-node hs-cta-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\" id=\"hs-cta-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":55,"content":396},[397],{"text":398,"type":59},"Ces scénarios sont utiles à deux égards. Premièrement, vous pouvez mettre tout le monde sur la même longueur d'onde, y compris le conseil d'administration. Les dirigeants doivent comprendre les résultats financiers possibles et se mettre d'accord sur la voie à suivre. (Cela inclut la réaffectation des ressources, que nous aborderons ensuite).",{"type":55,"content":400},[401,403],{"text":402,"type":59},"Ensuite, les scénarios extrêmes vous permettent de vous préparer au pire. Malgré une excellente situation financière, explique Dan, ",{"text":404,"type":59,"marks":405},"\"nous avons également contracté un prêt important - une dette à risque. Notre plan financier est d'avoir un flux de trésorerie positif, mais cette dette à risque est là comme un plan d'assurance. C'est pour le scénario de l'apocalypse.”",[406],{"type":150},{"type":55,"content":408},[409],{"text":410,"type":59},"L'élaboration du plan d'action n'est pas de la seule responsabilité du DAF - cela dépend de la direction générale et du conseil d'administration. Mais le DAF peut donner à chacun une vue d'ensemble, afin que le plan d'action soit aussi solide que possible. ",{"type":160,"attrs":412,"content":413},{"level":334},[414],{"text":415,"type":59},"3. Réduire les coûts de manière stratégique",{"type":55,"content":417},[418],{"text":419,"type":59},"La plupart des entreprises doivent donner la priorité à l'efficacité et à la rentabilité. Même celles qui disposent de beaucoup de liquidités pour travailler ont toujours un œil sur l'économie des unités. ",{"type":55,"content":421},[422,426],{"text":423,"type":59,"marks":424},"\"En 2021, tout était question de croissance, de croissance, de croissance\"",[425],{"type":150},{"text":427,"type":59},", dit Dan. \"Les choses les plus importantes cette année sont la croissance, la marge brute et vos multiplicateurs de dépenses. Celui qui évolue le plus rapidement et qui s'oriente vers cet état d'esprit aura les meilleures chances de survie.\"",{"type":55,"content":429},[430],{"text":431,"type":59},"Ce qui conduit presque toujours à une réduction des coûts. \"Nous avons révisé notre plan en urgence, peut-être 10 fois\", poursuit Dan. \"Nous avons réduit de manière agressive les dépenses non génératrices de revenus et non essentielles, afin de parvenir à un scénario de flux de trésorerie positif.\"",{"type":160,"attrs":433,"content":435},{"level":434},4,[436],{"text":437,"type":59},"Que faut-il couper ?",{"type":55,"content":439},[440],{"text":441,"type":59},"L'erreur numéro un de la plupart des entreprises est de réduire les coûts de manière générale, plutôt que de manière stratégique. Comme l'explique Julien, \"Soyez clair sur ce qui fonctionne et ce qui ne fonctionne pas. Vous ne vous contentez pas de réduire 10 % des coûts de manière générale - vous supprimez 100 % des éléments qui ne fonctionnent pas.\"",{"type":55,"content":443},[444],{"text":445,"type":59},"\"Nous pouvons diviser les coûts en deux catégories clés : internes (salaires) et externes. Vous aurez des milliers de lignes de dépenses dans cette catégorie externe, dont la plupart ne seront pas importantes. Il y en aura 50 à 100 qui représentent vraiment la majeure partie des coûts. Vous devez les passer en revue. Et même si vous pensez que ces choses sont fixes - le loyer des bureaux, par exemple - tout est négociable.\"",{"type":55,"content":447},[448],{"text":449,"type":59},"Pour Dan, tout dépend de vos scénarios. \"Identifiez les principaux leviers de dépenses qui vous permettent d'avoir un cash-flow positif dans un marché baissier, de base ou haussier. Ensuite, faites des coupes sur les gros postes, mais ne vous inquiétez pas des petites choses.\"",{"type":55,"content":451},[452,454],{"text":453,"type":59},"Une autre équation difficile est celle de la masse salariale - certaines entreprises ont connu des réductions ou des gels de salaires célèbres. Si vous n'en êtes pas encore là, mais que vous vous inquiétez des coûts internes fixes, Julien dit que c'est le bon moment pour travailler avec plus d'agences et d'employés non permanents si possible. \"Si tout est fixe, vous avez moins de flexibilité. Les agences et l'externalisation peuvent introduire plus de flexibilité.\"",{"type":247},{"type":160,"attrs":456,"content":457},{"level":434},[458],{"text":459,"type":59},"Ce à quoi il ne faut pas toucher",{"type":55,"content":461},[462],{"text":463,"type":59},"Une autre tentation consiste à supprimer les avantages sociaux et les \"petits plus\" que de nombreuses entreprises ont ajoutés ces dernières années. Ça serait toutefois mal avisé.",{"type":55,"content":465},[466],{"text":467,"type":59},"\"L'exemple classique d'un coût que vous ne voulez pas réduire est le café de bonne qualité pour l'équipe\", dit Julien. \"Il n'a aucun impact financier, mais un impact terrible sur le moral. Si vous en êtes à ce stade, vous devriez déjà avoir fait tous les gros ajustements et maintenant vous êtes vraiment désespéré.\"",{"type":55,"content":469},[470,472,478],{"text":471,"type":59},"Chez ClickUp, \"nous n'avons pas touché à notre budget T&E (divertissement et ",{"text":473,"type":59,"marks":474},"déplacements professionnels)",[475],{"type":211,"attrs":476},{"href":477,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.spendesk.com/fr/blog/deplacements-professionnels/",{"text":479,"type":59},", par exemple. Cela a un impact important sur le moral, mais vous n'économisez pas vraiment beaucoup d'argent en le réduisant.\"",{"type":160,"attrs":481,"content":482},{"level":434},[483],{"text":484,"type":59},"Anticiper le rebond",{"type":55,"content":486},[487],{"text":488,"type":59},"Enfin, Julien conseille aux DAF de ne pas perdre de vue le rebond : \"Les rebonds sont souvent courts et rapides, et si vous avez trop coupé, vous risquez de ne pas bénéficier de ce rebond. Coupez la graisse ; ne coupez pas les muscles\".",{"type":55,"content":490},[491],{"text":492,"type":59},"Un ralentissement économique est souvent le bon moment pour réduire les tests et les projets spéciaux, et se concentrer sur votre proposition de valeur fondamentale. Mais dans la mesure du possible, évitez de supprimer ce qui fonctionne. Il est probable qu'il s'autofinance de toute façon, et le perdre ne fera que nuire à la croissance à long terme.  ",{"type":55},{"type":189,"attrs":495},{"id":390,"body":496},[497],{"_uid":498,"html":499,"component":196},"i-fea3413f-ca36-478c-8a05-518287fe734f","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-250a6647-ebf5-4c94-9537-50a87a788834\">\u003Cspan class=\"hs-cta-node hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\" id=\"hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/250a6647-ebf5-4c94-9537-50a87a788834\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-250a6647-ebf5-4c94-9537-50a87a788834\" style=\"border-width:0px;\" height=\"630\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/250a6647-ebf5-4c94-9537-50a87a788834.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '250a6647-ebf5-4c94-9537-50a87a788834', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":55,"content":501},[502],{"type":247},{"type":160,"attrs":504,"content":505},{"level":334},[506],{"text":507,"type":59},"4. Amplifier la collaboration transversale",{"type":55,"content":509},[510],{"text":511,"type":59},"Les équipes financières sont souvent dépeintes comme les \"méchants flics\". Et plus vous devez réduire les coûts, plus les risques sont élevés. Mais ce climat est aussi une chance de se rapprocher des autres équipes et d'apprendre aux gens à penser fiscalement. ",{"type":55,"content":513},[514],{"text":515,"type":59},"En particulier pour les entreprises technologiques qui sortent d'un grand boom, de nombreux employés n'auront jamais vécu cela. Même les hauts dirigeants n'ont peut-être jamais connu autre chose que l'hypercroissance et les dépenses rapides. ",{"type":55,"content":517},[518],{"text":519,"type":59},"\"Les coupes et le gel des dépenses peuvent provoquer des frustrations\", dit Dan, \"même chez les autres dirigeants. C'est donc le moment idéal pour les impliquer dans le processus budgétaire.",{"type":55,"content":521},[522],{"text":523,"type":59},"\"Les responsables des ventes ont des quotas à atteindre, de même que le marketing et l'ingénierie. C'est pourquoi, chez ClickUp, nous avons introduit des jalons pour le recrutement. Oui, nous embauchons toujours, mais seulement si nous atteignons certains objectifs. ",{"type":55,"content":525},[526],{"text":527,"type":59},"\"Par exemple, le marketing a une période de récupération du CAC de 12 mois. Si vous pouvez continuer à respecter cette période de récupération, vous pouvez continuer à investir. Parce que vous avez un résultat net positif. Quant aux ventes, elles ne peuvent augmenter leurs effectifs que si leur force de vente existante atteint plus de 90 %.",{"type":55,"content":529},[530],{"text":531,"type":59},"\"Cela fait du directeur financier un facilitateur plutôt qu'un inspecteur. Le service financier n'est pas constamment en train de les enfoncer - c'est à eux de montrer le retour sur investissement et d'accéder à davantage de ressources.\"",{"type":160,"attrs":533,"content":534},{"level":334},[535],{"text":536,"type":59},"5. Saisir cette opportunité de leadership",{"type":55,"content":538},[539,543],{"text":540,"type":59,"marks":541},"Les défis économiques sont souvent l'occasion pour le DAF de briller.",[542],{"type":271},{"text":544,"type":59}," C'est l'occasion d'affiner l'activité et de devenir plus analytique dans la prise de décision. ",{"type":55,"content":546},[547],{"text":548,"type":59},"Ce sont des compétences qui viennent naturellement aux équipes financières, mais pas nécessairement aux autres employés. Le DAF doit donc prendre les devants et diriger, ce qui offre de nombreuses opportunités positives.",{"type":189,"attrs":550},{"id":191,"body":551},[552],{"_uid":553,"name":229,"role":554,"image":555,"quote":556,"component":311},"i-26dac2e5-79e1-415c-b8d0-27ca05d28171","CFO, Alan",{"id":61,"alt":61,"name":23,"focus":61,"title":61,"filename":23,"copyright":61,"fieldtype":28},"\"Je consacre beaucoup de temps à l'éducation financière\", explique Sergei. \"'Voilà pourquoi nous augmentons les prix de X% : cela va augmenter notre bénéfice net de Y%. Par conséquent, nous pouvons nous permettre d'embaucher 10 à 15 personnes supplémentaires, qui construiront la fonctionnalité Z, et c'est notre chemin vers la rentabilité.' ",{"type":55,"content":558},[559],{"text":560,"type":59},"\"J'accompagne notre rapport financier mensuel d'une vidéo Loom pour guider l'équipe à travers nos performances, et souligner où cela nous place sur notre chemin. Cela donne à chacun un sentiment d'appartenance, ce qui nous permet de rester soudés.\"",{"type":55,"content":562},[563],{"text":564,"type":59},"La réduction des coûts et le resserrement du budget conviennent manifestement mieux à certaines personnalités qu'à d'autres. Le \"directeur financier en temps de guerre\" est souvent utilisé pour représenter une forme de leadership impitoyable et sans pitié.",{"type":55,"content":566},[567],{"text":568,"type":59},"Mais vous n'avez pas besoin de représenter le pire cauchemar de toutes les autres équipes : un gardien de prison qui met fin à tous les projets et idées en vue. Au contraire, c'est votre chance de construire une culture de la préparation et de l'analyse qui valorise ce qui en vaut la peine.",{"type":55,"content":570},[571],{"text":572,"type":59},"Comme l'explique Dan, \"la précédente génération de grandes entreprises s'est réellement construite lors de la dernière crise financière. Et les équipes financières ont particulièrement saisi la chance de piloter les entreprises pendant ces périodes complexes. Elles inspirent les équipes à faire abstraction du bruit du marché et à simplement exécuter le plan d'affaires.\"",{"name":574,"created_at":575,"published_at":6,"updated_at":576,"id":577,"uuid":578,"content":579,"slug":586,"full_slug":587,"sort_by_date":61,"position":588,"tag_list":589,"is_startpage":29,"parent_id":590,"meta_data":61,"group_id":591,"first_published_at":592,"release_id":61,"lang":67,"path":61,"alternates":593,"default_full_slug":594,"translated_slugs":595,"_stopResolving":76},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":580,"icon":581,"name":574,"component":585},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":582,"alt":583,"name":23,"focus":23,"title":23,"filename":584,"copyright":23,"fieldtype":28,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[596,597,598],{"path":594,"name":61,"lang":67,"published":61},{"path":594,"name":61,"lang":73,"published":61},{"path":594,"name":61,"lang":75,"published":61},[67],[601],{"_uid":602,"type":23,"asset":603,"shadow":29,"caption":23,"overlay":607,"component":608},"e1d1543e-ba6f-412b-9f43-4045a49d2695",{"id":604,"alt":605,"name":23,"focus":23,"title":23,"filename":606,"copyright":23,"fieldtype":28,"is_external_url":29},6476914,"Bear-market-2023","https://a.storyblok.com/f/146026/2380x1340/75f9fccc43/bear-market-2023.png",[],"image",[],"2022-11-22 00:00","8",[613],{"_uid":614,"type":23,"asset":615,"shadow":29,"caption":23,"overlay":616,"component":608},"3e39d6a5-b938-4a87-877c-f10539e576f6",{"id":604,"alt":605,"name":23,"focus":23,"title":23,"filename":606,"copyright":23,"fieldtype":28,"is_external_url":29},[],"Pour beaucoup d'analystes (ceux utilisant des termes anglo-saxons tout du moins), un Bear Market est à l'horizon pour 2023. Entre marché baissier et panne saisonnière, comment s'y préparer ?","bear-market","fr/blog/bear-market",3350,[],176386517,"30af7a5c-9080-4833-b334-3ffeaf0cc888","2022-11-04T13:36:49.161Z",[],"blog/bear-market",[628,629,630],{"path":626,"name":61,"lang":67,"published":76},{"path":626,"name":61,"lang":73,"published":61},{"path":626,"name":61,"lang":75,"published":61},{"header":632,"footer":1540,"commonContent":2019,"userCentricsAndSegmentMappingTable":2175},{"name":633,"created_at":634,"published_at":635,"updated_at":636,"id":637,"uuid":638,"content":639,"slug":1418,"full_slug":1527,"sort_by_date":61,"position":588,"tag_list":1528,"is_startpage":29,"parent_id":1530,"meta_data":61,"group_id":1531,"first_published_at":1532,"release_id":61,"lang":67,"path":1533,"alternates":1534,"default_full_slug":1535,"translated_slugs":1536},"Header","2022-03-03T10:18:44.837Z","2026-04-24T15:48:23.819Z","2026-05-06T17:54:51.075Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":640,"logo":641,"navbar":646,"loginBtn":1417,"component":1418,"languages":1419,"logoBlack":1438,"logoWhite":1442,"topNavbar":1447,"homepageLink":1456,"getStartedBtn":1468,"announcementBanner":1483,"localeSwitcherTitle":1526},"d642d99f-3914-487e-abe1-9515eca76325",{"id":642,"alt":643,"name":23,"focus":23,"title":643,"source":23,"filename":644,"copyright":23,"fieldtype":28,"meta_data":645,"is_external_url":29},4112223,"Spendesk","https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[647,854,1133,1145,1158,1335],{"_uid":648,"label":649,"columns":650,"component":776,"headingNewBranding":777},"e4e694b0-b265-4570-ad24-bd39e68e252d","Solutions",[651,721],{"_uid":652,"ctas":653,"label":718,"component":719,"labelColor":23,"backgroundIconColor":720},"910b58bd-214d-44e6-b817-868580118d44",[654,670,686,702],{"tag":23,"_uid":655,"hide":29,"icon":656,"link":660,"type":23,"label":669,"style":34,"component":35,"mobileLabel":23,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"07b7af57-b06c-45b7-89cf-41aeacb0c1da",{"id":657,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":658,"copyright":23,"fieldtype":28,"meta_data":659,"is_external_url":29},16729375,"https://a.storyblok.com/f/146026/32x32/693bfa23d7/icon-receipt-32px-carbon-naked.svg",{},{"id":661,"url":23,"linktype":662,"fieldtype":33,"cached_url":663,"prep":76,"story":664},"d936ceb3-713d-4219-8961-cd6f2a1c3e2a","story","/fr/e-invoicing-landing-page",{"name":665,"id":666,"uuid":661,"slug":667,"url":667,"full_slug":668,"_stopResolving":76},"E-invoicing 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Abonnez-vous à notre newsletter pour rester informé.",[2310,2311],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2313],{"cta":2314,"_uid":2315,"items":2316,"heading":2438,"reverse":29,"component":2459,"sectionSettings":2460},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2317,2379],{"_uid":2318,"title":2319,"component":2320,"description":2321},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?","faqItem",{"type":52,"content":2322},[2323,2327],{"type":55,"content":2324},[2325],{"text":2326,"type":59},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2328,"attrs":2329,"content":2333},"ordered_list",{"order":2330,"key":2332},{"order":2331},1,"ol-0",[2334,2346,2357],{"type":2335,"content":2336},"list_item",[2337],{"type":55,"content":2338},[2339,2343,2345],{"text":2340,"type":59,"marks":2341},"Les dépenses stratégiques",[2342],{"type":271},{"text":2344,"type":59}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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