{"id":1855,"date":"2026-03-11T21:07:53","date_gmt":"2026-03-11T20:07:53","guid":{"rendered":"https:\/\/canis-conseil.fr\/?p=1855"},"modified":"2026-03-15T21:09:27","modified_gmt":"2026-03-15T20:09:27","slug":"delais-de-paiement-le-tueur-silencieux-des-pme-passe-a-loffensive","status":"publish","type":"post","link":"https:\/\/canis-conseil.fr\/index.php\/2026\/03\/11\/delais-de-paiement-le-tueur-silencieux-des-pme-passe-a-loffensive\/","title":{"rendered":"\ud83d\udea8 D\u00e9lais de paiement : le “tueur silencieux” des PME passe \u00e0 l’offensive."},"content":{"rendered":"\n

Les Echos<\/a>, 11 mars 2026. <\/p>\n\n\n\n

Avec un record de 68 300 d\u00e9faillances d’entreprises en 2025, la tension sur les tr\u00e9soreries devient critique.
Le coupable ? L’allongement des d\u00e9lais de paiement qui asphyxie nos TPE et PME.<\/p>\n\n\n\n

Le constat de \ud835\uddf9’\ud835\udde2\ud835\uddef\ud835\ude00\ud835\uddf2\ud835\uddff\ud835\ude03\ud835\uddee\ud835\ude01\ud835\uddfc\ud835\uddf6\ud835\uddff\ud835\uddf2 \ud835\uddf1\ud835\uddf2\ud835\ude00 \ud835\uddf1\ud835\uddf2\u0301\ud835\uddf9\ud835\uddee\ud835\uddf6\ud835\ude00 \ud835\uddf1\ud835\uddf2 \ud835\uddfd\ud835\uddee\ud835\uddf6\ud835\uddf2\ud835\uddfa\ud835\uddf2\ud835\uddfb\ud835\ude01 est sans appel :
“Les retards de paiement augmentent d’un quart les risques de d\u00e9faillance, et m\u00eame de plus de 40 % quand les d\u00e9lais sont sup\u00e9rieurs \u00e0 60 jours.”<\/p>\n\n\n\n

\ud83d\udcc9 \ud835\udde8\ud835\uddfb \ud835\uddf0\ud835\uddf2\ud835\uddff\ud835\uddf0\ud835\uddf9\ud835\uddf2 \ud835\ude03\ud835\uddf6\ud835\uddf0\ud835\uddf6\ud835\uddf2\ud835\ude02\ud835\ude05 \ud835\uddfe\ud835\ude02\ud835\uddf6 \ud835\ude00’\ud835\uddf6\ud835\uddfb\ud835\ude00\ud835\ude01\ud835\uddee\ud835\uddf9\ud835\uddf9\ud835\uddf2
Malgr\u00e9 un cadre l\u00e9gal clair, la r\u00e9sistance aux bonnes pratiques persiste. On observe un glissement inqui\u00e9tant : l\u00e0 o\u00f9 l’on payait \u00e0 38 jours fin 2023, on fr\u00f4le d\u00e9sormais les 48 jours en moyenne.<\/p>\n\n\n\n

\ud835\udddf\ud835\uddf2 \ud835\uddfd\ud835\uddff\ud835\uddfc\ud835\uddef\ud835\uddf9\ud835\uddf2\u0300\ud835\uddfa\ud835\uddf2 ? “Pr\u00e8s du tiers des entreprises r\u00e8glent toujours leurs fournisseurs au-del\u00e0 des 60 jours impos\u00e9s par la loi de modernisation de l’\u00e9conomie adopt\u00e9e en 2008.”<\/p>\n\n\n\n

Ce sont \ud835\uddfd\ud835\uddff\ud835\uddf6\ud835\uddfb\ud835\uddf0\ud835\uddf6\ud835\uddfd\ud835\uddee\ud835\uddf9\ud835\uddf2\ud835\uddfa\ud835\uddf2\ud835\uddfb\ud835\ude01 \ud835\uddf9\ud835\uddf2\ud835\ude00 \ud835\uddf4\ud835\uddff\ud835\uddee\ud835\uddfb\ud835\uddf1\ud835\uddf2\ud835\ude00 \ud835\uddf2\ud835\uddfb\ud835\ude01\ud835\uddff\ud835\uddf2\ud835\uddfd\ud835\uddff\ud835\uddf6\ud835\ude00\ud835\uddf2\ud835\ude00 \ud835\uddf2\ud835\ude01 \ud835\uddf9\ud835\uddf2\ud835\ude00 \ud835\uddd8\ud835\udde7\ud835\udddc qui font figure de mauvais \u00e9l\u00e8ves, laissant les petites structures porter le poids financier de leur propre fonctionnement.
Comme le souligne un dirigeant dans l’article : “Mon groupe n’est pas le banquier de l’\u00c9tat”\u2026 ni celui des g\u00e9ants du CAC 40.<\/p>\n\n\n\n

\ud83c\udfdb\ufe0f \ud835\udddf’\ud835\uddd8\ud835\ude01\ud835\uddee\ud835\ude01 : \ud835\uddf2\ud835\uddfb\ud835\ude01\ud835\uddff\ud835\uddf2 \ud835\uddef\ud835\uddfc\ud835\uddfb\ud835\ude00 \ud835\uddfd\ud835\uddfc\ud835\uddf6\ud835\uddfb\ud835\ude01\ud835\ude00 \ud835\uddf2\ud835\ude01 “\ud835\ude07\ud835\uddfc\ud835\uddfb\ud835\uddf2\ud835\ude00 \ud835\uddf1’\ud835\uddfc\ud835\uddfa\ud835\uddef\ud835\uddff\ud835\uddf2”
L’acteur public tente de montrer la voie, mais le tableau reste contrast\u00e9.
“Les pouvoirs publics entendent montrer l’exemple. En 2024, les collectivit\u00e9s ont fait de r\u00e9els efforts pour tenir les d\u00e9lais et, selon l’observatoire, 89 % des factures pay\u00e9es directement par l’Etat sont aujourd’hui r\u00e9gl\u00e9es sous 30 jours. Reste que, dans la sph\u00e8re publique, de gros points noirs persistent. En particulier dans le secteur de la sant\u00e9, o\u00f9 les d\u00e9lais peuvent exploser.”
\u00c0 ce triste constat, il faut rajouter l’administration judiciaire, o\u00f9 les retards de r\u00e8glement p\u00e8sent lourdement sur les prestataires.<\/p>\n\n\n\n

\u2696\ufe0f \ud835\udde9\ud835\uddf2\ud835\uddff\ud835\ude00 \ud835\uddf1\ud835\uddf2\ud835\ude00 \ud835\ude00\ud835\uddee\ud835\uddfb\ud835\uddf0\ud835\ude01\ud835\uddf6\ud835\uddfc\ud835\uddfb\ud835\ude00 \ud835\uddfd\ud835\uddf9\ud835\ude02\ud835\ude00 \ud835\uddf9\ud835\uddfc\ud835\ude02\ud835\uddff\ud835\uddf1\ud835\uddf2\ud835\ude00 ?
Face \u00e0 l’urgence, la r\u00e9ponse pourrait devenir plus muscl\u00e9e.
Une proposition de loi vise \u00e0 porter le plafond des amendes jusqu’\u00e0 1 % du chiffre d’affaires mondial des entreprises fautives.
En attendant, les dirigeants de PME s’organisent : \ud835\uddfa\ud835\uddf2\u0301\ud835\uddf1\ud835\uddf6\ud835\uddee\ud835\ude01\ud835\uddf6\ud835\uddfc\ud835\uddfb, “\ud835\udde1\ud835\uddee\ud835\uddfa\ud835\uddf2 & \ud835\udde6\ud835\uddf5\ud835\uddee\ud835\uddfa\ud835\uddf2”, \ud835\uddfc\ud835\ude02 \ud835\ude00\ud835\ude02\ud835\ude00\ud835\uddfd\ud835\uddf2\ud835\uddfb\ud835\ude00\ud835\uddf6\ud835\uddfc\ud835\uddfb \ud835\uddfd\ud835\ude02\ud835\uddff\ud835\uddf2 \ud835\uddf2\ud835\ude01 \ud835\ude00\ud835\uddf6\ud835\uddfa\ud835\uddfd\ud835\uddf9\ud835\uddf2 \ud835\uddf1\ud835\uddf2\ud835\ude00 \ud835\uddfd\ud835\uddff\ud835\uddf2\ud835\ude00\ud835\ude01\ud835\uddee\ud835\ude01\ud835\uddf6\ud835\uddfc\ud835\uddfb\ud835\ude00.
La tr\u00e9sorerie n’est plus une variable d’ajustement, c’est une question de survie.<\/p>\n\n\n\n

\ud83d\udcac Et vous, constatez-vous \u00e9galement cet allongement des d\u00e9lais dans votre secteur ? Quelles strat\u00e9gies avez-vous mises en place pour prot\u00e9ger votre cash-flow ?<\/p>\n","protected":false},"excerpt":{"rendered":"

Les Echos, 11 mars 2026. Avec un record de 68 300 d\u00e9faillances d’entreprises en 2025, la tension sur les tr\u00e9soreries devient critique.Le coupable ? L’allongement des d\u00e9lais de paiement qui asphyxie nos TPE et PME. Le constat de \ud835\uddf9’\ud835\udde2\ud835\uddef\ud835\ude00\ud835\uddf2\ud835\uddff\ud835\ude03\ud835\uddee\ud835\ude01\ud835\uddfc\ud835\uddf6\ud835\uddff\ud835\uddf2 \ud835\uddf1\ud835\uddf2\ud835\ude00 \ud835\uddf1\ud835\uddf2\u0301\ud835\uddf9\ud835\uddee\ud835\uddf6\ud835\ude00 \ud835\uddf1\ud835\uddf2 \ud835\uddfd\ud835\uddee\ud835\uddf6\ud835\uddf2\ud835\uddfa\ud835\uddf2\ud835\uddfb\ud835\ude01 est sans appel :“Les retards de paiement augmentent d’un quart les risques …<\/p>\n

\ud83d\udea8 D\u00e9lais de paiement : le “tueur silencieux” des PME passe \u00e0 l’offensive.<\/span> Read More »<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1855","post","type-post","status-publish","format-standard","hentry","category-intelligence-economique"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Catherine Delahaye","author_link":"https:\/\/canis-conseil.fr\/index.php\/author\/admin5132\/"},"uagb_comment_info":0,"uagb_excerpt":"Les Echos, 11 mars 2026. Avec un record de 68 300 d\u00e9faillances d’entreprises en 2025, la tension sur les tr\u00e9soreries devient critique.Le coupable ? L’allongement des d\u00e9lais de paiement qui asphyxie nos TPE et PME. Le constat de \ud835\uddf9’\ud835\udde2\ud835\uddef\ud835\ude00\ud835\uddf2\ud835\uddff\ud835\ude03\ud835\uddee\ud835\ude01\ud835\uddfc\ud835\uddf6\ud835\uddff\ud835\uddf2 \ud835\uddf1\ud835\uddf2\ud835\ude00 \ud835\uddf1\ud835\uddf2\u0301\ud835\uddf9\ud835\uddee\ud835\uddf6\ud835\ude00 \ud835\uddf1\ud835\uddf2 \ud835\uddfd\ud835\uddee\ud835\uddf6\ud835\uddf2\ud835\uddfa\ud835\uddf2\ud835\uddfb\ud835\ude01 est sans appel :“Les retards de paiement augmentent d’un quart les risques…","_links":{"self":[{"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/posts\/1855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/comments?post=1855"}],"version-history":[{"count":1,"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/posts\/1855\/revisions"}],"predecessor-version":[{"id":1856,"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/posts\/1855\/revisions\/1856"}],"wp:attachment":[{"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/media?parent=1855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/categories?post=1855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/canis-conseil.fr\/index.php\/wp-json\/wp\/v2\/tags?post=1855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}