{"id":138265,"date":"2025-06-12T15:43:35","date_gmt":"2025-06-12T13:43:35","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=138265"},"modified":"2025-06-12T15:43:35","modified_gmt":"2025-06-12T13:43:35","slug":"alerte-sur-la-sante-financiere-de-la-bfpme-risques-de-dissolution-evoques","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=138265","title":{"rendered":"Alerte sur la sant\u00e9 financi\u00e8re de la BFPME : Risques de dissolution \u00e9voqu\u00e9s"},"content":{"rendered":"<h4>La Banque de Financement des Petites et Moyennes Entreprises (BFPME) traverse une situation financi\u00e8re jug\u00e9e tr\u00e8s critique, selon le dernier rapport des commissaires aux comptes, qui mettent en garde contre une menace s\u00e9rieuse sur la solvabilit\u00e9 de l\u2019\u00e9tablissement.<br \/>\nCette situation, selon l\u2019article 388 du Code des soci\u00e9t\u00e9s commerciales tunisien, pourrait conduire \u00e0 une dissolution de la soci\u00e9t\u00e9, en l\u2019absence de mesures correctives adopt\u00e9es dans les d\u00e9lais l\u00e9gaux.<\/h4>\n<h4>Les commissaires rappellent qu\u2019en mars 2024, lors de l\u2019Assembl\u00e9e G\u00e9n\u00e9rale Ordinaire, la banque avait r\u00e9duit son capital social de 100 millions \u00e0 10 millions de dinars, avant de proc\u00e9der \u00e0 une augmentation de capital par conversion d\u2019une dette due \u00e0 l\u2019\u00c9tat, relative \u00e0 une ligne de cr\u00e9dit japonaise r\u00e9troc\u00e9d\u00e9e \u00e0 la BFPME, pour un montant de 59,06 millions de dinars.<\/h4>\n<h4>Le capital social a ainsi \u00e9t\u00e9 port\u00e9 \u00e0 69,06 millions de dinars. Toutefois, ces op\u00e9rations n\u2019ont pas permis de r\u00e9sorber les pertes cumul\u00e9es, ni d\u2019assainir la structure financi\u00e8re de l\u2019\u00e9tablissement.<br \/>\nConform\u00e9ment \u00e0 l\u2019article 388 pr\u00e9cit\u00e9, l\u2019Assembl\u00e9e G\u00e9n\u00e9rale Extraordinaire aurait d\u00fb, dans l\u2019ann\u00e9e suivant la constatation des pertes, soit prononcer la dissolution, soit augmenter ou r\u00e9duire le capital \u00e0 hauteur des pertes constat\u00e9es, ce qui n\u2019a pas \u00e9t\u00e9 fait, rel\u00e8vent les auditeurs.<br \/>\nSur le plan financier, les \u00e9tats de la banque indiquent un budget global de 269,8 millions de dinars, pour un r\u00e9sultat net d\u00e9ficitaire d\u2019environ 16,2 millions de dinars, alors que la tr\u00e9sorerie reste provisoirement positive, \u00e0 hauteur de 29,2 millions de dinars.<\/h4>\n<h4>En parall\u00e8le, les commissaires aux comptes pointent de graves d\u00e9faillances du syst\u00e8me de contr\u00f4le interne, notamment en ce qui concerne l\u2019efficacit\u00e9 des dispositifs de contr\u00f4le permanent et p\u00e9riodique, le manque de ressources humaines qualifi\u00e9es, ainsi que des faiblesses dans les outils de suivi et les m\u00e9thodes d\u2019analyse des risques.<\/h4>\n<h4>Le syst\u00e8me d\u2019information de la banque, en particulier le module \u00ab Cr\u00e9dits \u00bb, souffre \u00e9galement de d\u00e9fauts techniques majeurs et de failles de s\u00e9curit\u00e9 et d\u2019int\u00e9grit\u00e9 des donn\u00e9es, g\u00e9n\u00e9rant des incoh\u00e9rences dans le traitement des op\u00e9rations et affectant n\u00e9gativement la fiabilit\u00e9 des applicatifs bancaires.<\/h4>\n<h4>Pour rappel, la BFPME est un \u00e9tablissement de cr\u00e9dit de droit tunisien, constitu\u00e9 sous forme de soci\u00e9t\u00e9 anonyme par acte sous seing priv\u00e9 le 25 f\u00e9vrier 2005. Elle exerce en tant que banque agr\u00e9\u00e9e depuis le 28 f\u00e9vrier 2005, conform\u00e9ment aux dispositions de l\u2019article 8 de la loi n\u00b02001-65 du 10 juillet 2001, telle que modifi\u00e9e et remplac\u00e9e par la loi n\u00b02016-48 du 11 juillet 2016 relative aux banques et \u00e9tablissements financiers.<\/h4>\n","protected":false},"excerpt":{"rendered":"<p>La Banque de Financement des Petites et Moyennes Entreprises (BFPME) traverse une situation financi\u00e8re jug\u00e9e tr\u00e8s critique, selon le dernier rapport des commissaires aux comptes, qui mettent en garde contre une menace s\u00e9rieuse sur la solvabilit\u00e9 de l\u2019\u00e9tablissement. Cette situation, selon l\u2019article 388 du Code des soci\u00e9t\u00e9s commerciales tunisien, pourrait conduire \u00e0 une dissolution de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":138266,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-138265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Alerte sur la sant\u00e9 financi\u00e8re de la BFPME : Risques de dissolution \u00e9voqu\u00e9s - L&#039;expert Journal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexpertjournal.net\/fr\/?p=138265\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alerte sur la sant\u00e9 financi\u00e8re de la BFPME : Risques de dissolution \u00e9voqu\u00e9s\" \/>\n<meta property=\"og:description\" content=\"La Banque de Financement des Petites et Moyennes Entreprises (BFPME) traverse une situation financi\u00e8re jug\u00e9e tr\u00e8s critique, selon le dernier rapport des commissaires aux comptes, qui mettent en garde contre une menace s\u00e9rieuse sur la solvabilit\u00e9 de l\u2019\u00e9tablissement. 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