{"id":3769,"date":"2024-05-23T15:57:11","date_gmt":"2024-05-23T14:57:11","guid":{"rendered":"https:\/\/cea-belgium.be\/?p=3769"},"modified":"2024-09-17T10:31:23","modified_gmt":"2024-09-17T09:31:23","slug":"promoteurs-projets-alternatives-financement","status":"publish","type":"post","link":"https:\/\/cea-belgium.be\/fr\/promoteurs-projets-alternatives-financement\/","title":{"rendered":"Financement de projets\u202f: 4 alternatives au financement bancaire"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbSection KLANT TEMPLATE\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#233F92&Prime; background_image=\u00a0\u00bbhttps:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA-Belgium_fotoshoot_10-scaled.jpg\u00a0\u00bb background_size=\u00a0\u00bbcustom\u00a0\u00bb background_image_width=\u00a0\u00bb50%\u00a0\u00bb background_position=\u00a0\u00bbtop_right\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb background_color_tablet=\u00a0\u00bb#233F92&Prime; 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_dynamic_attributes=\u00a0\u00bbcontent\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb40%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9jYXRlZ29yaWVzIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiIiwiYWZ0ZXIiOiIiLCJsaW5rX3RvX3Rlcm1fcGFnZSI6Im9uIiwic2VwYXJhdG9yIjoiIHwgIiwiY2F0ZWdvcnlfdHlwZSI6ImNhdGVnb3J5In19@[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText bericht publish date\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _dynamic_attributes=\u00a0\u00bbcontent\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb6px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9kYXRlIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiIiwiYWZ0ZXIiOiIiLCJkYXRlX2Zvcm1hdCI6ImN1c3RvbSIsImN1c3RvbV9kYXRlX2Zvcm1hdCI6ImQgRiBZIn19@[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText Hier komt een titel van een blogpost.\u00a0\u00bb module_class=\u00a0\u00bbblog\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600||on|||||\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb28px\u00a0\u00bb header_letter_spacing=\u00a0\u00bb1px\u00a0\u00bb header_line_height=\u00a0\u00bb35px\u00a0\u00bb width=\u00a0\u00bb80%\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb animation_style=\u00a0\u00bbslide\u00a0\u00bb animation_direction=\u00a0\u00bbleft\u00a0\u00bb animation_duration=\u00a0\u00bb2000ms\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb28px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb25px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1>Obtenir un financement pour un projet \u00e0 la banque devient de plus en plus difficile. Heureusement, il y a des alternatives. Laurent Carlier expose les nouvelles tendances et possibilit\u00e9s.<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_5&Prime; disabled_on=\u00a0\u00bbon|on|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px||0px|false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb positioning=\u00a0\u00bbabsolute\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2&Prime; 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_builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb3_5&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb|5%|||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/cea-belgium.be\/wp-content\/uploads\/2024\/05\/Laurentnn-980&#215;815-1.jpg\u00a0\u00bb alt=\u00a0\u00bbLaurentnn 980&#215;815 1&Prime; title_text=\u00a0\u00bbLaurentnn 980&#215;815 1&Prime; align_tablet=\u00a0\u00bb\u00a0\u00bb align_phone=\u00a0\u00bbcenter\u00a0\u00bb align_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb admin_label=\u00a0\u00bbImage Auteur\/klant\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb300px\u00a0\u00bb width_tablet=\u00a0\u00bb300px\u00a0\u00bb width_phone=\u00a0\u00bb250px\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb border_radii=\u00a0\u00bbon|50%|50%|50%|50%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_5&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px||0px|false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbText KLANT AAN HET WOORD\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|||on|||||\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(35,63,146,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>NEWS<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText naam klant + omschrijving bedrijf\u00a0\u00bb module_class=\u00a0\u00bbnaam-auteur-klant\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#00C4B3&Prime; text_font_size=\u00a0\u00bb16px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span data-contrast=\"none\" xml:lang=\"NL-BE\" lang=\"NL-BE\" class=\"TextRun Highlight SCXW157862319 BCX0\"><span class=\"NormalTextRun SCXW157862319 BCX0\" data-ccp-parastyle=\"Intro\" data-ccp-parastyle-defn=\"{&quot;ObjectId&quot;:&quot;0dd8bbfc-7ee0-4886-b908-4db249a1c221|48&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[469777841,&quot;Tahoma&quot;,469777844,&quot;Tahoma&quot;,469769226,&quot;Tahoma&quot;,335551500,&quot;5515553&quot;,268442635,&quot;20&quot;,335559739,&quot;120&quot;,335559738,&quot;120&quot;,134233279,&quot;true&quot;,201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777842,&quot;Arial&quot;,469777843,&quot;Calibri&quot;,201341986,&quot;1&quot;,335559704,&quot;1025&quot;,335559705,&quot;1033&quot;,335551547,&quot;2067&quot;,335559740,&quot;259&quot;,201341983,&quot;0&quot;,469775450,&quot;Intro&quot;,201340122,&quot;2&quot;,134234082,&quot;true&quot;,134233614,&quot;true&quot;,469778129,&quot;Intro&quot;,335572020,&quot;1&quot;,134224901,&quot;true&quot;,469777929,&quot;Intro Char&quot;,469778324,&quot;Normal&quot;]}\" data-ccp-parastyle-linked-defn=\"{&quot;ObjectId&quot;:&quot;0dd8bbfc-7ee0-4886-b908-4db249a1c221|50&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Tahoma&quot;,469777842,&quot;Arial&quot;,469777843,&quot;Calibri&quot;,469777844,&quot;Tahoma&quot;,201341986,&quot;1&quot;,469769226,&quot;Tahoma&quot;,268442635,&quot;20&quot;,335559704,&quot;1025&quot;,335559705,&quot;1033&quot;,335551547,&quot;2067&quot;,335559740,&quot;259&quot;,201341983,&quot;0&quot;,335559739,&quot;160&quot;,469775450,&quot;Intro Char&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;IntroChar&quot;,335572020,&quot;1&quot;,134231262,&quot;true&quot;,134224901,&quot;true&quot;,335551500,&quot;5515553&quot;,469777929,&quot;Intro&quot;,469778324,&quot;Default Paragraph Font&quot;]}\">Laurent Carlier, Managing Partner chez\u00a0 <a href=\"https:\/\/ernestpartners.eu\/\">Ernest Partners<\/a><\/span><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText beschrijft zijn ervaring over de samenwerking met CEA Belgium.\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\u00ab\u202fDe petites choses qui peuvent faire une \u00e9norme diff\u00e9rence\u2026\u202f\u00bb<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbSection &#8211; INHOUD BODYTEKST KLANT\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA_Patroon_1-1.png\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat-y\u00a0\u00bb custom_margin=\u00a0\u00bb40px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb background_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb background_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb background_enable_color_phone=\u00a0\u00bbon\u00a0\u00bb background_enable_image_phone=\u00a0\u00bboff\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb21px|5%|40px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|0%|||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|0%||0px|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Obtenir un financement pour un projet \u00e0 la banque devient de plus en plus difficile. Heureusement, il y a des alternatives\u202f: les fonds de dette, le financement participatif (crowdlending), les investisseurs institutionnels et m\u00eame les family offices. Laurent Carlier, Managing Partner chez Ernest Partners, expose les nouvelles tendances et possibilit\u00e9s.<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/ernestpartners.eu\/\u00a0\u00bb border_width_all=\u00a0\u00bb2px\u00a0\u00bb border_color_all=\u00a0\u00bb#00C4B3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>\u00c0 propos d\u2019Ernest Partners<\/strong><\/p>\n<p>Le conseiller en capital Ernest Partners fournit des conseils de financement aux entreprises depuis 2019. CEA BELGIUM et Ernest Partners ont nou\u00e9 un excellent partenariat en combinant leur expertise sur la loi Breyne et le financement.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/ernestpartners.eu\/\u00a0\u00bb border_width_all=\u00a0\u00bb2px\u00a0\u00bb border_color_all=\u00a0\u00bb#00C4B3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>\u00c0 propos de Laurent Carlier<\/strong><\/p>\n<p>Pendant 15 ans, Laurent Carlier a \u00e9t\u00e9 directeur financier de Befimmo, l&rsquo;un des plus grands investisseurs immobiliers et op\u00e9rateurs de bureaux et de projets mixtes en Belgique. Il est associ\u00e9 chez Ernest Partners depuis 2022.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb20px|5%|40px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|0%|||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|0%||0px|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1><span style=\"color: #000080;\">Fin de \u00ab\u202fl&rsquo;argent gratuit\u202f\u00bb <\/span><\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Les debt advisors tels qu&rsquo;Ernest Partners aident les entreprises \u00e0 identifier leurs besoins de financement et \u00e0 trouver des fonds. \u00ab\u202fC&rsquo;est encore relativement unique en Belgique\u202f\u00bb, d\u00e9clare Laurent. \u00ab\u202fSurtout par rapport \u00e0 nos pays voisins. Nous poss\u00e9dons un paysage bancaire tr\u00e8s comp\u00e9titif comptant quatre grandes banques, ce qui a rendu le cr\u00e9dit ici relativement bon march\u00e9 et facile \u00e0 obtenir. Il n&rsquo;y a pas si longtemps encore, de nombreuses entreprises se contentaient d\u2019une seule relation bancaire pour tous leurs projets. Un cr\u00e9dit \u00e9tait encore relativement facile \u00e0 obtenir.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][et_pb_testimonial author=\u00a0\u00bbLaurent Carlier\u00a0\u00bb job_title=\u00a0\u00bbManaging Partner, Ernest Partners\u00a0\u00bb quote_icon_color=\u00a0\u00bb#00C4B3&Prime; _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_font_size=\u00a0\u00bb24px\u00a0\u00bb author_text_color=\u00a0\u00bb#000000&Prime; position_text_color=\u00a0\u00bb#000000&Prime; background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb23px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_css_before=\u00a0\u00bbposition:initial;\u00a0\u00bb custom_css_testimonial_description=\u00a0\u00bbmargin-top:25px;\u00a0\u00bb custom_css_testimonial_author=\u00a0\u00bbmargin-top:10px;\u00a0\u00bb border_width_all=\u00a0\u00bb1px\u00a0\u00bb border_color_all=\u00a0\u00bb#A5358C\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\u00ab\u202fLes faibles taux d&rsquo;int\u00e9r\u00eat ont \u00e0 une \u00e9poque \u00e9t\u00e9 consid\u00e9r\u00e9s comme la \u00ab\u202fcoca\u00efne du secteur immobilier\u202f\u00bb. Mais ce temps est r\u00e9volu\u202f!\u202f\u00bb<\/p>\n<p>[\/et_pb_testimonial][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Entre-temps, la situation a chang\u00e9. Les d\u00e9cisions de cr\u00e9dit sont de plus en plus centralis\u00e9es, ce qui dilue la relation personnelle avec la banque. Les banques sont en outre devenues plus prudentes et, bien entendu, les taux d&rsquo;int\u00e9r\u00eat ont fortement augment\u00e9. \u00ab\u202fPour l&rsquo;immobilier en particulier, qui repr\u00e9sente environ 30\u202f% de notre portefeuille, c\u2019est un coup dur, car les promoteurs immobiliers ne peuvent plus prendre autant de risques qu\u2019auparavant. Mais nous revenons aussi quelque peu \u00e0 la normale. Les faibles taux d&rsquo;int\u00e9r\u00eat ont \u00e0 une \u00e9poque \u00e9t\u00e9 consid\u00e9r\u00e9s comme la \u00ab\u202fcoca\u00efne du secteur immobilier\u202f\u00bb. Mais ce temps est r\u00e9volu\u202f!\u202f\u00bb<\/p>\n<p>Dans le secteur de l&rsquo;immobilier en particulier, deux d\u00e9fis suppl\u00e9mentaires se posent \u00e0 ceux qui souhaitent obtenir un cr\u00e9dit pour leur projet\u202f: les co\u00fbts de construction ont augment\u00e9, les permis de construire sont devenus plus compliqu\u00e9s et leur octroi est plus lent. \u00ab\u202fPar cons\u00e9quent, les banques ne veulent financer que lorsqu&rsquo;un lot est d\u00e9j\u00e0 pr\u00e9-lou\u00e9 ou vendu sur plan, mais tous les projets ne sont pas aussi prometteurs sur le papier. Les espaces commerciaux et les bureaux sont plus difficiles que les projets r\u00e9sidentiels dans les grandes villes, par exemple.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1><span style=\"color: #000080;\">Quatre alternatives \u00e0 la banque<\/span><\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Vu le climat financier plus difficile, Ernest Partners se met \u00e9galement en qu\u00eate de financements alternatifs. \u00ab\u202fLa banque demeure notre premier choix. Souvent, il n&rsquo;existe plus qu&rsquo;une seule relation bancaire. Nous envisageons ensuite de diversifier, afin de rendre les conditions aussi comp\u00e9titives que possible et d&rsquo;\u00e9largir le cercle des partenaires bancaires potentiels. Ensuite, nous voyons si d&rsquo;autres sources peuvent constituer une solution.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>\u00c0 propos d\u2019Ernest Partners<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb||27px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Ernest Partners est un interm\u00e9diaire entre les entrepreneurs et quelque six cents financiers. Leurs experts ont une exp\u00e9rience dans le secteur bancaire ou sont d&rsquo;anciens directeurs financiers. En combinant leurs expertises, ils tentent de trouver et de mettre en \u0153uvre les meilleures solutions pour leurs clients. Le processus d\u00e9bute par une analyse approfondie de la situation financi\u00e8re de l&rsquo;entreprise, suivie de la pr\u00e9paration d&rsquo;un argumentaire convaincant. Ensuite, ils encadrent les discussions avec les financiers potentiels jusqu&rsquo;\u00e0 la signature des documents de cr\u00e9dit.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/ernestpartners.eu\/\u00a0\u00bb border_width_all=\u00a0\u00bb2px\u00a0\u00bb border_color_all=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span style=\"color: #000080;\"><strong><span data-contrast=\"none\" xml:lang=\"NL-BE\" lang=\"NL-BE\" class=\"TextRun Highlight SCXW37584764 BCX0\"><span class=\"NormalTextRun SCXW37584764 BCX0\" data-ccp-parastyle=\"Tussentitel 2\" data-ccp-parastyle-defn=\"{&quot;ObjectId&quot;:&quot;0dd8bbfc-7ee0-4886-b908-4db249a1c221|53&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[469777841,&quot;Tahoma&quot;,469777844,&quot;Tahoma&quot;,469769226,&quot;Tahoma&quot;,335551500,&quot;16711779&quot;,268442635,&quot;22&quot;,335559739,&quot;240&quot;,335559738,&quot;480&quot;,134233279,&quot;true&quot;,201342446,&quot;1&quot;,201342447,&quot;4&quot;,201342448,&quot;2&quot;,201342449,&quot;1&quot;,469777842,&quot;Times New Roman&quot;,469777843,&quot;\u6e38\u30b4\u30b7\u30c3\u30af Light&quot;,201341986,&quot;4&quot;,335559704,&quot;1025&quot;,335559705,&quot;1033&quot;,335551547,&quot;2067&quot;,335559740,&quot;259&quot;,201341983,&quot;0&quot;,335559682,&quot;5&quot;,335559683,&quot;1&quot;,335560102,&quot;1&quot;,134245418,&quot;true&quot;,134245529,&quot;true&quot;,469777804,&quot;%1.%2.&quot;,469777803,&quot;left&quot;,469777815,&quot;multilevel&quot;,469769242,&quot;65533,0&quot;,335559685,&quot;357&quot;,335559991,&quot;357&quot;,536884268,&quot;{0dd8bbfc-7ee0-4886-b908-4db249a1c221}{26}&quot;,469775450,&quot;Tussentitel 2&quot;,201340122,&quot;2&quot;,134234082,&quot;true&quot;,134233614,&quot;true&quot;,469778129,&quot;Tussentitel2&quot;,335572020,&quot;1&quot;,469777929,&quot;Tussentitel 2 Char&quot;,469778324,&quot;heading 2&quot;]}\" data-ccp-parastyle-linked-defn=\"{&quot;ObjectId&quot;:&quot;0dd8bbfc-7ee0-4886-b908-4db249a1c221|56&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;4&quot;,201342448,&quot;2&quot;,201342449,&quot;1&quot;,469777841,&quot;Tahoma&quot;,469777842,&quot;Times New Roman&quot;,469777843,&quot;\u6e38\u30b4\u30b7\u30c3\u30af Light&quot;,469777844,&quot;Tahoma&quot;,201341986,&quot;1&quot;,469769226,&quot;Tahoma,Times New Roman,\u6e38\u30b4\u30b7\u30c3\u30af Light&quot;,268442635,&quot;26&quot;,335559704,&quot;1025&quot;,335559705,&quot;1033&quot;,335551547,&quot;2067&quot;,335559740,&quot;259&quot;,201341983,&quot;0&quot;,335559739,&quot;160&quot;,335551500,&quot;16711779&quot;,469775450,&quot;Tussentitel 2 Char&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;Tussentitel2Char&quot;,335572020,&quot;1&quot;,134231262,&quot;true&quot;,469777929,&quot;Tussentitel 2&quot;,469778324,&quot;Heading 2 Char&quot;]}\">1. Fonds de dette <\/span><\/span><\/strong><\/span><\/p>\n<p>Les fonds de dette ou credit funds viennent souvent compl\u00e9ter le cr\u00e9dit accord\u00e9 par une banque. Ils sont souvent plus co\u00fbteux, mais plus rapides et plus souples \u00e0 conclure que les financements bancaires. \u00ab\u202fDans ce cas, c\u2019est la banque qui dispose de la plupart des garanties sur les actifs. Le fonds de dette n\u2019est rembours\u00e9 qu\u2019une fois le pr\u00eat bancaire enti\u00e8rement apur\u00e9.\u202f\u00bb<\/p>\n<p>Les fonds de dette peuvent \u00e9galement permettre de financer des projets sans l\u2019intervention d\u2019une banque. \u00ab\u202fC&rsquo;est ce qu&rsquo;on appelle un cr\u00e9dit unitranche. Ils combinent alors une dette senior \u2013 un pr\u00eat moins cher avec s\u00e9curit\u00e9s (par exemple) une hypoth\u00e8que \u2013 avec une dette junior. Le second ne sera rembours\u00e9 qu&rsquo;apr\u00e8s le remboursement de la dette senior. Il s&rsquo;agit d&rsquo;un financement plus risqu\u00e9 pour le pr\u00eateur, qui exigera donc une r\u00e9mun\u00e9ration plus \u00e9lev\u00e9e. Le co\u00fbt total est une moyenne des deux, mais il sera plus \u00e9lev\u00e9 que si l&rsquo;on ajoute un financement bancaire.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/ernestpartners.eu\/\u00a0\u00bb border_width_all=\u00a0\u00bb2px\u00a0\u00bb border_color_all=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span style=\"color: #000080;\"><b>2. Le financement participatif <span class=\"EOP SCXW19582374 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:480,&quot;335559739&quot;:240,&quot;335559740&quot;:259}\">\u00a0<\/span><\/b><\/span><\/p>\n<p>Dans le cadre du financement participatif (crowdlending), des investisseurs priv\u00e9s pr\u00eatent de l&rsquo;argent \u00e0 votre entreprise par l&rsquo;interm\u00e9diaire d&rsquo;une plateforme sp\u00e9cialis\u00e9e. \u00ab\u202fCette formule est particuli\u00e8rement int\u00e9ressante pour les projets plus modestes. Elle permet de collecter rapidement un million et demi \u00e0 deux millions d&rsquo;euros, mais \u00e0 un taux d&rsquo;int\u00e9r\u00eat plus \u00e9lev\u00e9. Elle peut constituer un moyen id\u00e9al pour inciter les habitants locaux ou d&rsquo;autres groupes d&rsquo;individus \u00e0 investir et donc \u00e0 s&rsquo;impliquer dans votre projet.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/ernestpartners.eu\/\u00a0\u00bb border_width_all=\u00a0\u00bb2px\u00a0\u00bb border_color_all=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span style=\"color: #000080;\"><b>3. <span data-contrast=\"none\" xml:lang=\"FR\" lang=\"FR\" class=\"TextRun Highlight SCXW83565565 BCX0\"><span class=\"NormalTextRun SCXW83565565 BCX0\" data-ccp-parastyle=\"Tussentitel 2\" data-ccp-parastyle-defn=\"{&quot;ObjectId&quot;:&quot;c60d089f-b3e6-4a26-a712-c32ed03f2b9f|53&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[469777841,&quot;Tahoma&quot;,469777844,&quot;Tahoma&quot;,469769226,&quot;Tahoma&quot;,335551500,&quot;16711779&quot;,268442635,&quot;22&quot;,335559739,&quot;240&quot;,335559738,&quot;480&quot;,134233279,&quot;true&quot;,201342446,&quot;1&quot;,201342447,&quot;4&quot;,201342448,&quot;2&quot;,201342449,&quot;1&quot;,469777842,&quot;&quot;,469777843,&quot;&quot;,201341986,&quot;4&quot;,335559704,&quot;1025&quot;,335559705,&quot;1033&quot;,335551547,&quot;2067&quot;,335559740,&quot;259&quot;,201341983,&quot;0&quot;,335559682,&quot;5&quot;,335559683,&quot;1&quot;,335560102,&quot;1&quot;,134245418,&quot;true&quot;,134245529,&quot;true&quot;,469775450,&quot;Tussentitel 2&quot;,201340122,&quot;2&quot;,134234082,&quot;true&quot;,134233614,&quot;true&quot;,469778129,&quot;Tussentitel2&quot;,335572020,&quot;1&quot;,469777929,&quot;Tussentitel 2 Char&quot;,469778324,&quot;heading 2&quot;]}\" data-ccp-parastyle-linked-defn=\"{&quot;ObjectId&quot;:&quot;c60d089f-b3e6-4a26-a712-c32ed03f2b9f|56&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;4&quot;,201342448,&quot;2&quot;,201342449,&quot;1&quot;,469777841,&quot;Tahoma&quot;,469777842,&quot;&quot;,469777843,&quot;&quot;,469777844,&quot;Tahoma&quot;,201341986,&quot;1&quot;,469769226,&quot;Tahoma&quot;,268442635,&quot;26&quot;,335551500,&quot;16711779&quot;,469775450,&quot;Tussentitel 2 Char&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;Tussentitel2Char&quot;,335572020,&quot;1&quot;,134231262,&quot;true&quot;,469777929,&quot;Tussentitel 2&quot;,469778324,&quot;Titre 2 Car&quot;]}\">Le <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW83565565 BCX0\" data-ccp-parastyle=\"Tussentitel 2\">family<\/span><span class=\"NormalTextRun SCXW83565565 BCX0\" data-ccp-parastyle=\"Tussentitel 2\"> office<\/span><\/span><span class=\"EOP SCXW83565565 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:480,&quot;335559739&quot;:240,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"EOP SCXW121139341 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:480,&quot;335559739&quot;:240,&quot;335559740&quot;:259}\">\u00a0<\/span><\/b><\/span><\/p>\n<p>Un family office g\u00e8re les actifs d&rsquo;une famille fortun\u00e9e. \u00ab\u202fLes cr\u00e9dits seront g\u00e9n\u00e9ralement plus chers qu\u2019aupr\u00e8s d\u2019une banque. La famille souhaite \u00e9videmment un rendement raisonnable, m\u00eame si, souvent, l\u2019aspect humain rev\u00eat une certaine importance. De plus en plus de family offices souhaitent par ailleurs \u00e9galement proposer une action sociale (impact investment). Si vous pouvez convaincre la famille de la valeur ajout\u00e9e sociale de votre projet et si ce projet cadre avec sa strat\u00e9gie, elle pourrait accepter un rendement financier plus faible.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][et_pb_testimonial author=\u00a0\u00bbLaurent Carlier\u00a0\u00bb job_title=\u00a0\u00bbManaging Partner, Ernest Partners\u00a0\u00bb quote_icon_color=\u00a0\u00bb#00C4B3&Prime; _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_font_size=\u00a0\u00bb24px\u00a0\u00bb author_text_color=\u00a0\u00bb#000000&Prime; position_text_color=\u00a0\u00bb#000000&Prime; background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb23px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_css_before=\u00a0\u00bbposition:initial;\u00a0\u00bb custom_css_testimonial_description=\u00a0\u00bbmargin-top:25px;\u00a0\u00bb custom_css_testimonial_author=\u00a0\u00bbmargin-top:10px;\u00a0\u00bb border_width_all=\u00a0\u00bb1px\u00a0\u00bb border_color_all=\u00a0\u00bb#A5358C\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span data-contrast=\"none\" xml:lang=\"FR\" lang=\"FR\" class=\"TextRun Highlight SCXW238403416 BCX0\"><span class=\"NormalTextRun SCXW238403416 BCX0\" data-ccp-parastyle=\"&lt;tekst&gt;\" data-ccp-parastyle-defn=\"{&quot;ObjectId&quot;:&quot;c60d089f-b3e6-4a26-a712-c32ed03f2b9f|58&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[469777841,&quot;Tahoma&quot;,469777844,&quot;Tahoma&quot;,469769226,&quot;Tahoma&quot;,335551500,&quot;7269632&quot;,268442635,&quot;20&quot;,335559739,&quot;120&quot;,335559738,&quot;360&quot;,134233279,&quot;true&quot;,201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777842,&quot;&quot;,469777843,&quot;Calibri&quot;,201341986,&quot;1&quot;,335559704,&quot;1025&quot;,335559705,&quot;1033&quot;,335551547,&quot;2067&quot;,335559740,&quot;259&quot;,201341983,&quot;0&quot;,469775450,&quot;&lt;tekst&gt;&quot;,201340122,&quot;2&quot;,134234082,&quot;true&quot;,134233614,&quot;true&quot;,469778129,&quot;tekst&quot;,335572020,&quot;1&quot;,335559685,&quot;709&quot;,469777929,&quot;&lt;tekst&gt; Char&quot;,469778324,&quot;Tabel 1&quot;]}\" data-ccp-parastyle-linked-defn=\"{&quot;ObjectId&quot;:&quot;c60d089f-b3e6-4a26-a712-c32ed03f2b9f|60&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Tahoma&quot;,469777842,&quot;&quot;,469777843,&quot;Calibri&quot;,469777844,&quot;Tahoma&quot;,201341986,&quot;1&quot;,469769226,&quot;Tahoma&quot;,268442635,&quot;20&quot;,335551500,&quot;7269632&quot;,469775450,&quot;&lt;tekst&gt; Char&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;tekstChar&quot;,335572020,&quot;1&quot;,134231262,&quot;true&quot;,469777929,&quot;&lt;tekst&gt;&quot;,469778324,&quot;Tabel 1 Char&quot;]}\">\u00ab\u202fLes projets pr\u00e9sentant une valeur ajout\u00e9e sociale \u00e9vidente ont encore une chance d&rsquo;obtenir un taux d&rsquo;int\u00e9r\u00eat plus bas.\u202f\u00bb<\/span><\/span><\/p>\n<p>[\/et_pb_testimonial][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/ernestpartners.eu\/\u00a0\u00bb border_width_all=\u00a0\u00bb2px\u00a0\u00bb border_color_all=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span style=\"color: #000080;\"><b>4. Investisseurs institutionnels <\/b><\/span><\/p>\n<p>Les investisseurs institutionnels peuvent \u00eatre priv\u00e9s ou publics. \u00ab\u202fC\u00f4t\u00e9 priv\u00e9, nous pensons principalement aux grands assureurs \u2013 eux aussi sont g\u00e9n\u00e9ralement plus chers qu&rsquo;une banque. Les investisseurs publics sont financ\u00e9s par les pouvoirs publics et ont une vocation sociale comme le logement abordable et l\u2019emploi, par exemple. Le taux d&rsquo;int\u00e9r\u00eat peut \u00eatre inf\u00e9rieur, mais la valeur ajout\u00e9e de nature sociale est indispensable.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|5%|80px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|0%|||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|0%||0px|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|||0%|false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1><span style=\"color: #000080;\">Un avenir prometteur pour le march\u00e9 de l&rsquo;immobilier r\u00e9sidentiel. <\/span><\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Malgr\u00e9 les d\u00e9fis actuels, l&rsquo;avenir du march\u00e9 immobilier est prometteur, consid\u00e8re Laurent. \u00ab\u202fLes bases de ce march\u00e9 demeurent tr\u00e8s solides. Avec la croissance de la population dans les grandes villes et les d\u00e9fis ESG, la demande de logements \u00e9conomes en \u00e9nergie et abordables \u00e9manant de la soci\u00e9t\u00e9 est consid\u00e9rable. C\u2019est un beau d\u00e9fi \u00e0 relever pour les promoteurs immobiliers.\u202f\u00bb<\/p>\n<p>\u00ab\u202f\u00c0 l\u2019avenir, l&rsquo;immobilier ne sera plus financ\u00e9 comme par le pass\u00e9. Bien s\u00fbr, nos banques restent des acteurs tr\u00e8s importants, mais la n\u00e9cessit\u00e9 d\u2019un financement compl\u00e9mentaire se fait de plus en plus ressentir. Mon conseil aux promoteurs immobiliers\u202f? Faites-vous conseiller correctement\u202f! La panac\u00e9e applicable \u00e0 chaque situation n\u2019existe pas. Le financement est toujours personnalis\u00e9. Un interm\u00e9diair \u2013 tel que CEA Belgium ou Ernest Partners \u2013 vous aidera \u00e0 trouver les meilleures solutions.\u202f\u00bb<\/p>\n<p>[\/et_pb_text][et_pb_cta title=\u00a0\u00bbInt\u00e9ress\u00e9 par un financement alternatif\u202f?\u00a0\u00bb button_url=\u00a0\u00bbhttps:\/\/cea-belgium.be\/fr\/contact\/\u00a0\u00bb button_text=\u00a0\u00bbPrenez contact avec nous, nous vous aiderons volontiers\u202f! \u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_color=\u00a0\u00bb#114466&Prime; link_option_url=\u00a0\u00bbhttps:\/\/cea-belgium.be\/fr\/contact\/\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_cta][et_pb_divider color=\u00a0\u00bbRGBA(35,63,146,0.5)\u00a0\u00bb divider_position=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb60%\u00a0\u00bb custom_padding=\u00a0\u00bb50px||30px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][et_pb_code admin_label=\u00a0\u00bbCode Share the fun\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; 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[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbsection\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#233F92&Prime; global_module=\u00a0\u00bb175&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blog fullwidth=\u00a0\u00bboff\u00a0\u00bb posts_number=\u00a0\u00bb3&Prime; meta_date=\u00a0\u00bbd\/m\/Y\u00a0\u00bb show_thumbnail=\u00a0\u00bboff\u00a0\u00bb show_more=\u00a0\u00bbon\u00a0\u00bb show_author=\u00a0\u00bboff\u00a0\u00bb show_pagination=\u00a0\u00bboff\u00a0\u00bb masonry_tile_background_color=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_font_size=\u00a0\u00bb17px\u00a0\u00bb header_line_height=\u00a0\u00bb1.3em\u00a0\u00bb body_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb body_font_size=\u00a0\u00bb16px\u00a0\u00bb meta_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><nav  aria-label=\"breadcrumb\"><ol class=\"breadcrumb\" itemscope itemtype=\"https:\/\/schema.org\/BreadcrumbList\"><li class=\"breadcrumb-item active\" aria-current=\"page\" itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><span itemprop=\"name\">Home<\/span><meta itemprop=\"position\" content=\"1\"><\/li><\/ol><\/nav>Obtenir un financement pour un projet \u00e0 la banque devient de plus en plus difficile. Heureusement, il y a des alternatives. Laurent Carlier expose les nouvelles tendances et possibilit\u00e9s.NEWSLaurent Carlier, Managing Partner chez\u00a0 Ernest Partners\u00ab\u202fDe petites choses qui peuvent faire une \u00e9norme diff\u00e9rence\u2026\u202f\u00bbObtenir un financement pour un projet \u00e0 la banque devient de plus en [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Financement de projets\u202f: 4 alternatives au financement bancaire","_seopress_titles_desc":"Les promoteurs immobiliers \u00e9prouvent plus de difficult\u00e9s \u00e0 obtenir un financement aupr\u00e8s des banques. Mais il existe des alternatives. 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