[{"data":1,"prerenderedAt":5429},["ShallowReactive",2],{"article-garantie-financiere-sap-date-limite-31-juillet-2026":3,"related-garantie-financiere-sap-date-limite-31-juillet-2026":775},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"slug":10,"publishedAt":11,"updatedAt":12,"author":13,"reviewedBy":18,"cover":19,"categories":24,"tags":26,"readingTime":33,"featured":6,"status":34,"seo":35,"faq":38,"body":54,"_type":769,"_id":770,"_source":771,"_file":772,"_stem":773,"_extension":774},"\u002Fblog\u002F2026\u002Fgarantie-financiere-sap-date-limite-31-juillet-2026","2026",false,"","Date limite garantie financière SAP : 1er janvier, 30 avril, 31 juillet… pourquoi c'est le 31 octobre 2026","Date limite de la garantie financière SAP : le 31 octobre 2026, après trois reports (1er janvier, 30 avril, 31 juillet). Historique daté et sources Urssaf officielles.","garantie-financiere-sap-date-limite-31-juillet-2026","2026-06-06T08:00:00Z","2026-09-26T08:00:00Z",{"name":14,"slug":15,"role":16,"bio":17},"Tutassûr","tutassur","Cabinet de courtage en assurances — ORIAS n°22001730","Tutassûr est un courtier grossiste en assurance immatriculé à l'ORIAS sous le n°22001730, placé sous le contrôle de l'ACPR. Il propose aux organismes de services à la personne une garantie financière (article D133-22 du Code de la sécurité sociale), dès 490 €\u002Fan selon la grille publiée.","Tutassûr — courtier ORIAS n°22001730",{"src":20,"alt":21,"width":22,"height":23},"\u002Fblog\u002Fgarantie-financiere-sap-date-limite-31-juillet-2026\u002Fcover.svg","Garantie financière SAP : la date limite est désormais le 31 octobre 2026 — Tutassûr",1200,675,[25],"reglementation",[27,28,29,30,31,32],"date limite garantie financière SAP","garantie financière SAP 31 octobre 2026","garantie financière 31 juillet 2026","historique report garantie financière Urssaf","avance immédiate date limite","caution AVIM 2026",7,"published",{"ogImage":20,"metaKeywords":36},[27,28,29,30,37],"garantie financière SAP quand",[39,42,45,48,51],{"question":40,"answer":41},"Quelle est la date limite de la garantie financière SAP (services à la personne) ?","La date limite de dépôt de l'attestation de garantie financière à l'Urssaf est le 31 octobre 2026, selon la foire aux questions publiée par l'Urssaf. Cette date résulte d'un report de l'échéance du 31 juillet 2026. L'Urssaf recommande de ne pas attendre cette date pour transmettre l'attestation, qui doit être reçue puis traitée par ses services.",{"question":43,"answer":44},"Le 31 juillet 2026 est-il encore valable ?","Non. Le 31 juillet 2026 a été la date limite de dépôt pendant le printemps 2026, avant d'être reportée de trois mois. Les contenus encore calés sur cette échéance, ou sur celles du 1er janvier et du 30 avril 2026, décrivent un calendrier dépassé. La seule date à retenir aujourd'hui est le 31 octobre 2026.",{"question":46,"answer":47},"Pourquoi voit-on encore parler du 1er janvier ou du 30 avril 2026 ?","L'exigence de l'attestation avait été annoncée pour le 1er janvier 2026, puis une période transitoire jusqu'au 30 avril 2026 a été obtenue par les fédérations du secteur. Ces jalons ont ensuite été remplacés par le 31 juillet, puis par le 31 octobre 2026. Chaque report a laissé des articles et des supports calés sur l'ancienne date.",{"question":49,"answer":50},"Que se passe-t-il après le 31 octobre 2026 ?","Un organisme concerné dont l'attestation n'a pas été reçue et traitée par l'Urssaf ne peut plus utiliser l'Avance Immédiate. Ses clients doivent alors régler l'intégralité de la prestation et attendre leur crédit d'impôt. La réinclusion intervient après transmission d'une nouvelle attestation conforme, comme le prévoit l'article D133-22.",{"question":52,"answer":53},"Le 31 octobre 2026 peut-il encore être reporté ?","À la date de mise à jour, la FAQ garantie financière de l'Urssaf retient toujours le 31 octobre 2026. Selon la presse spécialisée (Aladom, 15 juillet 2026), le ministère a présenté ce report de trois mois comme le dernier ; nous n'avons pas trouvé de publication officielle reprenant cette formulation. L'Urssaf a en revanche mis en ligne une FAQ dédiée et un modèle d'attestation : raisonnez comme si le 31 octobre 2026 était définitif.",{"type":55,"children":56,"toc":757},"root",[57,84,117,124,210,216,228,359,364,376,382,394,400,451,484,490,516,522,562,574,580,635,641,737,745,749],{"type":58,"tag":59,"props":60,"children":61},"element","p",{},[62],{"type":58,"tag":63,"props":64,"children":65},"em",{},[66,69,75,77,82],{"type":67,"value":68},"text","Guide 2026 — Publié le 6 juin 2026, mis à jour le 26 septembre 2026. Cet article répond à une question : quelle est la ",{"type":58,"tag":70,"props":71,"children":72},"strong",{},[73],{"type":67,"value":74},"date limite de la garantie financière SAP",{"type":67,"value":76}," pour les organismes de services à la personne qui utilisent l'",{"type":58,"tag":70,"props":78,"children":79},{},[80],{"type":67,"value":81},"Avance Immédiate (AVIM)",{"type":67,"value":83},", et pourquoi quatre dates différentes ont circulé.",{"type":58,"tag":59,"props":85,"children":86},{},[87,89,94,96,101,103,108,110,115],{"type":67,"value":88},"La date limite de la garantie financière SAP est le ",{"type":58,"tag":70,"props":90,"children":91},{},[92],{"type":67,"value":93},"31 octobre 2026",{"type":67,"value":95}," : c'est la date limite de dépôt de l'attestation à l'Urssaf, indiquée sur la page du service Avance Immédiate et dans la FAQ garantie financière de l'Urssaf. Le ",{"type":58,"tag":70,"props":97,"children":98},{},[99],{"type":67,"value":100},"1er janvier",{"type":67,"value":102},", le ",{"type":58,"tag":70,"props":104,"children":105},{},[106],{"type":67,"value":107},"30 avril",{"type":67,"value":109}," et le ",{"type":58,"tag":70,"props":111,"children":112},{},[113],{"type":67,"value":114},"31 juillet 2026",{"type":67,"value":116}," ont été annoncés avant elle, puis dépassés ; beaucoup de contenus en ligne restent calés sur l'une de ces trois dates.",{"type":58,"tag":118,"props":119,"children":121},"h2",{"id":120},"lessentiel-à-retenir",[122],{"type":67,"value":123},"L'essentiel à retenir",{"type":58,"tag":125,"props":126,"children":127},"ul",{},[128,150,168,186,198],{"type":58,"tag":129,"props":130,"children":131},"li",{},[132,137,139,148],{"type":58,"tag":70,"props":133,"children":134},{},[135],{"type":67,"value":136},"Date limite de dépôt : 31 octobre 2026",{"type":67,"value":138},", indiquée dans la ",{"type":58,"tag":140,"props":141,"children":145},"a",{"href":142,"rel":143},"https:\u002F\u002Fwww.urssaf.fr\u002Ffiles\u002Flive\u002Fsites\u002Furssaffr\u002Ffiles\u002Fautres\u002FFAQ_garanties_financieres.pdf",[144],"nofollow",[146],{"type":67,"value":147},"FAQ garantie financière de l'Urssaf",{"type":67,"value":149}," (consultée le 25 septembre 2026).",{"type":58,"tag":129,"props":151,"children":152},{},[153,155,159,161,166],{"type":67,"value":154},"Le ",{"type":58,"tag":70,"props":156,"children":157},{},[158],{"type":67,"value":114},{"type":67,"value":160},", date limite précédente, a été ",{"type":58,"tag":70,"props":162,"children":163},{},[164],{"type":67,"value":165},"reporté de trois mois",{"type":67,"value":167}," en juillet 2026 ; selon la presse spécialisée (Aladom, 15 juillet 2026), le ministère a présenté ce report comme le dernier.",{"type":58,"tag":129,"props":169,"children":170},{},[171,173,177,179,184],{"type":67,"value":172},"Les mentions du ",{"type":58,"tag":70,"props":174,"children":175},{},[176],{"type":67,"value":100},{"type":67,"value":178}," et du ",{"type":58,"tag":70,"props":180,"children":181},{},[182],{"type":67,"value":183},"30 avril 2026",{"type":67,"value":185}," correspondent à des jalons antérieurs, aujourd'hui dépassés.",{"type":58,"tag":129,"props":187,"children":188},{},[189,191,196],{"type":67,"value":190},"L'obligation elle-même est en vigueur depuis le ",{"type":58,"tag":70,"props":192,"children":193},{},[194],{"type":67,"value":195},"1er janvier 2025",{"type":67,"value":197}," (décret n°2024-1161, article D133-22 du Code de la sécurité sociale) : seule la date de dépôt a bougé.",{"type":58,"tag":129,"props":199,"children":200},{},[201,203,208],{"type":67,"value":202},"Après le 31 octobre, un organisme concerné ",{"type":58,"tag":70,"props":204,"children":205},{},[206],{"type":67,"value":207},"sans attestation reçue et traitée",{"type":67,"value":209}," ne peut plus utiliser l'Avance Immédiate.",{"type":58,"tag":118,"props":211,"children":213},{"id":212},"pourquoi-autant-de-dates-différentes",[214],{"type":67,"value":215},"Pourquoi autant de dates différentes ?",{"type":58,"tag":59,"props":217,"children":218},{},[219,221,226],{"type":67,"value":220},"Le dispositif a connu ",{"type":58,"tag":70,"props":222,"children":223},{},[224],{"type":67,"value":225},"quatre jalons successifs",{"type":67,"value":227}," en moins d'un an :",{"type":58,"tag":229,"props":230,"children":231},"table",{},[232,261],{"type":58,"tag":233,"props":234,"children":235},"thead",{},[236],{"type":58,"tag":237,"props":238,"children":239},"tr",{},[240,246,251,256],{"type":58,"tag":241,"props":242,"children":243},"th",{},[244],{"type":67,"value":245},"Date annoncée",{"type":58,"tag":241,"props":247,"children":248},{},[249],{"type":67,"value":250},"Ce qu'elle représentait",{"type":58,"tag":241,"props":252,"children":253},{},[254],{"type":67,"value":255},"Statut au 25 septembre 2026",{"type":58,"tag":241,"props":257,"children":258},{},[259],{"type":67,"value":260},"Source",{"type":58,"tag":262,"props":263,"children":264},"tbody",{},[265,289,310,331],{"type":58,"tag":237,"props":266,"children":267},{},[268,274,279,284],{"type":58,"tag":269,"props":270,"children":271},"td",{},[272],{"type":67,"value":273},"1er janvier 2026",{"type":58,"tag":269,"props":275,"children":276},{},[277],{"type":67,"value":278},"Première échéance annoncée pour l'exigence de l'attestation",{"type":58,"tag":269,"props":280,"children":281},{},[282],{"type":67,"value":283},"Dépassée",{"type":58,"tag":269,"props":285,"children":286},{},[287],{"type":67,"value":288},"Précisions de l'Acoss relayées par la FESP, 9 décembre 2025",{"type":58,"tag":237,"props":290,"children":291},{},[292,296,301,305],{"type":58,"tag":269,"props":293,"children":294},{},[295],{"type":67,"value":183},{"type":58,"tag":269,"props":297,"children":298},{},[299],{"type":67,"value":300},"Fin de la période transitoire obtenue par les fédérations du secteur",{"type":58,"tag":269,"props":302,"children":303},{},[304],{"type":67,"value":283},{"type":58,"tag":269,"props":306,"children":307},{},[308],{"type":67,"value":309},"FESP, 22 décembre 2025",{"type":58,"tag":237,"props":311,"children":312},{},[313,317,322,326],{"type":58,"tag":269,"props":314,"children":315},{},[316],{"type":67,"value":114},{"type":58,"tag":269,"props":318,"children":319},{},[320],{"type":67,"value":321},"Date butoir suivante, reportée de trois mois en juillet 2026",{"type":58,"tag":269,"props":323,"children":324},{},[325],{"type":67,"value":283},{"type":58,"tag":269,"props":327,"children":328},{},[329],{"type":67,"value":330},"Aladom, 15 juillet 2026",{"type":58,"tag":237,"props":332,"children":333},{},[334,341,346,354],{"type":58,"tag":269,"props":335,"children":336},{},[337],{"type":58,"tag":70,"props":338,"children":339},{},[340],{"type":67,"value":93},{"type":58,"tag":269,"props":342,"children":343},{},[344],{"type":67,"value":345},"Date limite de dépôt de l'attestation",{"type":58,"tag":269,"props":347,"children":348},{},[349],{"type":58,"tag":70,"props":350,"children":351},{},[352],{"type":67,"value":353},"En vigueur",{"type":58,"tag":269,"props":355,"children":356},{},[357],{"type":67,"value":358},"Page urssaf.fr du service Avance Immédiate et FAQ garantie financière",{"type":58,"tag":59,"props":360,"children":361},{},[362],{"type":67,"value":363},"L'exigence de l'attestation a d'abord été annoncée pour le 1er janvier 2026. Les fédérations du secteur ont ensuite obtenu une période transitoire jusqu'au 30 avril 2026, puis la date a été portée au 31 juillet 2026. En juillet 2026, un nouveau report au 31 octobre 2026 a été annoncé. Cette date figure aujourd'hui sur la page du service Avance Immédiate et dans la FAQ garantie financière publiées par l'Urssaf.",{"type":58,"tag":59,"props":365,"children":366},{},[367,369,374],{"type":67,"value":368},"Chaque report a laissé derrière lui des articles, des FAQ et des supports commerciaux calés sur l'",{"type":58,"tag":70,"props":370,"children":371},{},[372],{"type":67,"value":373},"ancienne date",{"type":67,"value":375},". C'est ainsi que l'on croise encore, en septembre 2026, des pages qui annoncent le 31 juillet comme date butoir.",{"type":58,"tag":118,"props":377,"children":379},{"id":378},"le-31-octobre-2026-peut-il-encore-bouger",[380],{"type":67,"value":381},"Le 31 octobre 2026 peut-il encore bouger ?",{"type":58,"tag":59,"props":383,"children":384},{},[385,387,392],{"type":67,"value":386},"Selon la presse spécialisée (Aladom, 15 juillet 2026), le ministère a présenté ce report de trois mois comme le dernier. Nous n'avons pas trouvé de publication officielle reprenant cette formulation. En revanche, l'Urssaf a mis en ligne une FAQ dédiée et un modèle d'attestation (fichier daté du 9 juin 2026) : l'administration dispose désormais des outils pour appliquer les contrôles. Raisonnez comme si le 31 octobre 2026 était ",{"type":58,"tag":70,"props":388,"children":389},{},[390],{"type":67,"value":391},"définitif",{"type":67,"value":393},".",{"type":58,"tag":118,"props":395,"children":397},{"id":396},"ce-qui-se-passe-au-31-octobre-2026",[398],{"type":67,"value":399},"Ce qui se passe au 31 octobre 2026",{"type":58,"tag":59,"props":401,"children":402},{},[403,405,410,412,417,419,424,426,431,433,438,440,449],{"type":67,"value":404},"Le 31 octobre 2026 est la ",{"type":58,"tag":70,"props":406,"children":407},{},[408],{"type":67,"value":409},"date limite de dépôt",{"type":67,"value":411}," de l'attestation. Un organisme ",{"type":58,"tag":70,"props":413,"children":414},{},[415],{"type":67,"value":416},"concerné",{"type":67,"value":418}," par l'obligation, c'est-à-dire utilisant l'Avance Immédiate avec ",{"type":58,"tag":70,"props":420,"children":421},{},[422],{"type":67,"value":423},"acompte",{"type":67,"value":425}," (dès le ",{"type":58,"tag":70,"props":427,"children":428},{},[429],{"type":67,"value":430},"premier euro",{"type":67,"value":432},") ou atteignant ",{"type":58,"tag":70,"props":434,"children":435},{},[436],{"type":67,"value":437},"200 000 €",{"type":67,"value":439}," de demandes de paiement sur l'année civile sans acompte, doit avoir transmis à l'Urssaf une attestation reprenant les mentions attendues, à l'adresse ",{"type":58,"tag":70,"props":441,"children":442},{},[443],{"type":58,"tag":140,"props":444,"children":446},{"href":445},"mailto:avance-immediate@urssaf.fr",[447],{"type":67,"value":448},"avance-immediate@urssaf.fr",{"type":67,"value":450},", par un moyen donnant date certaine. « Dépôt de garantie » ne signifie pas verser une somme : ce qui est déposé, c'est l'attestation émise par votre garant.",{"type":58,"tag":59,"props":452,"children":453},{},[454,456,461,463,468,470,475,477,483],{"type":67,"value":455},"Passé cette date, l'organisme dont l'attestation n'a pas été ",{"type":58,"tag":70,"props":457,"children":458},{},[459],{"type":67,"value":460},"reçue et traitée",{"type":67,"value":462}," ne peut plus utiliser le service. Concrètement, ses ",{"type":58,"tag":70,"props":464,"children":465},{},[466],{"type":67,"value":467},"clients doivent avancer 100 %",{"type":67,"value":469}," du coût de la prestation et attendre leur crédit d'impôt l'année suivante. L'argument commercial de l'Avance Immédiate disparaît, avec un ",{"type":58,"tag":70,"props":471,"children":472},{},[473],{"type":67,"value":474},"risque réel de perte de clientèle",{"type":67,"value":476},". La réinclusion intervient après transmission d'une nouvelle attestation conforme. Conséquences et régularisation : voir ",{"type":58,"tag":140,"props":478,"children":480},{"href":479},"\u002Fblog\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026",[481],{"type":67,"value":482},"ce qui se passe au 1er novembre 2026",{"type":67,"value":393},{"type":58,"tag":118,"props":485,"children":487},{"id":486},"ne-confondez-pas-date-limite-et-bon-moment-pour-agir",[488],{"type":67,"value":489},"Ne confondez pas « date limite » et « bon moment pour agir »",{"type":58,"tag":59,"props":491,"children":492},{},[493,495,499,501,507,509,515],{"type":67,"value":494},"La date limite est le ",{"type":58,"tag":70,"props":496,"children":497},{},[498],{"type":67,"value":93},{"type":67,"value":500},", mais l'Urssaf conseille elle-même de ne pas attendre l'échéance : l'attestation doit être reçue puis traitée par ses services, sans délai garanti. Réunir les pièces, obtenir l'attestation, la vérifier puis la transmettre prend quelques jours quand tout se passe bien, et plusieurs semaines quand une pièce manque. Pour organiser les semaines qui restent, suivez le ",{"type":58,"tag":140,"props":502,"children":504},{"href":503},"\u002Fblog\u002Fgarantie-financiere-sap-report-31-octobre-2026",[505],{"type":67,"value":506},"calendrier semaine par semaine de la garantie financière SAP",{"type":67,"value":508},", puis cochez chaque étape avec la ",{"type":58,"tag":140,"props":510,"children":512},{"href":511},"\u002Fblog\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026",[513],{"type":67,"value":514},"checklist garantie financière SAP en 10 points",{"type":67,"value":393},{"type":58,"tag":118,"props":517,"children":519},{"id":518},"la-solution-tutassûr",[520],{"type":67,"value":521},"La solution Tutassûr",{"type":58,"tag":59,"props":523,"children":524},{},[525,527,532,534,539,541,546,548,553,555,560],{"type":67,"value":526},"Tutassûr propose une ",{"type":58,"tag":70,"props":528,"children":529},{},[530],{"type":67,"value":531},"garantie financière conforme à l'article D133-22",{"type":67,"value":533},", avec un ",{"type":58,"tag":70,"props":535,"children":536},{},[537],{"type":67,"value":538},"parcours de devis en ligne dédié",{"type":67,"value":540},". 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SAP",{"type":67,"value":592}," — le plan d'action jusqu'au 31 octobre 2026, de la demande de devis à la preuve d'envoi.",{"type":58,"tag":129,"props":594,"children":595},{},[596,601],{"type":58,"tag":140,"props":597,"children":598},{"href":511},[599],{"type":67,"value":600},"Checklist garantie financière SAP en 10 points",{"type":67,"value":602}," — de la tranche du barème à la preuve d'envoi, point par point.",{"type":58,"tag":129,"props":604,"children":605},{},[606,611],{"type":58,"tag":140,"props":607,"children":608},{"href":479},[609],{"type":67,"value":610},"Sans garantie financière au 1er novembre 2026",{"type":67,"value":612}," — les conséquences sur l'Avance Immédiate et la régularisation.",{"type":58,"tag":129,"props":614,"children":615},{},[616,622],{"type":58,"tag":140,"props":617,"children":619},{"href":618},"\u002Fblog\u002Fgarantie-financiere-services-personne-obligation-urssaf-2026",[620],{"type":67,"value":621},"Garantie financière services à la personne : guide 2026",{"type":67,"value":623}," — qui est concerné, combien, comment.",{"type":58,"tag":129,"props":625,"children":626},{},[627,633],{"type":58,"tag":140,"props":628,"children":630},{"href":629},"\u002Fblog\u002Fnouveaux-tarifs-garantie-financiere-sap-2026",[631],{"type":67,"value":632},"Combien coûte une garantie financière SAP en 2026 ?",{"type":67,"value":634}," — la grille publiée, tranche par tranche.",{"type":58,"tag":118,"props":636,"children":638},{"id":637},"sources-officielles",[639],{"type":67,"value":640},"Sources officielles",{"type":58,"tag":125,"props":642,"children":643},{},[644,655,667,679,691,702,714,726],{"type":58,"tag":129,"props":645,"children":646},{},[647,649],{"type":67,"value":648},"Urssaf — Foire aux questions sur la garantie financière (PDF, consultée le 25 septembre 2026) : « la date limite de dépôt de garantie est fixée au 31\u002F10\u002F2026 » — ",{"type":58,"tag":140,"props":650,"children":652},{"href":142,"rel":651},[144],[653],{"type":67,"value":654},"FAQ_garanties_financieres.pdf",{"type":58,"tag":129,"props":656,"children":657},{},[658,660],{"type":67,"value":659},"Décret n°2024-1161 du 4 décembre 2024 (Légifrance) — ",{"type":58,"tag":140,"props":661,"children":664},{"href":662,"rel":663},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fjorf\u002Fid\u002FJORFTEXT000050733357",[144],[665],{"type":67,"value":666},"JORFTEXT000050733357",{"type":58,"tag":129,"props":668,"children":669},{},[670,672],{"type":67,"value":671},"Article D133-22 du Code de la sécurité sociale (Légifrance) — ",{"type":58,"tag":140,"props":673,"children":676},{"href":674,"rel":675},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000051802709",[144],[677],{"type":67,"value":678},"LEGIARTI000051802709",{"type":58,"tag":129,"props":680,"children":681},{},[682,684],{"type":67,"value":683},"Urssaf — Le service Avance immédiate, section « La garantie financière » (consulté le 25 septembre 2026) — ",{"type":58,"tag":140,"props":685,"children":688},{"href":686,"rel":687},"https:\u002F\u002Fwww.urssaf.fr\u002Faccueil\u002Fservices\u002Fservices-particuliers\u002Fservice-avance-immediate.html",[144],[689],{"type":67,"value":690},"urssaf.fr",{"type":58,"tag":129,"props":692,"children":693},{},[694,696],{"type":67,"value":695},"Urssaf — Modèle d'attestation de garantie financière (DOCX, fichier daté du 9 juin 2026) — ",{"type":58,"tag":140,"props":697,"children":700},{"href":698,"rel":699},"https:\u002F\u002Fwww.urssaf.fr\u002Ffiles\u002Flive\u002Fsites\u002Furssaffr\u002Ffiles\u002Fautres\u002FAttestation_GF_AICI_09062026.docx",[144],[701],{"type":67,"value":690},{"type":58,"tag":129,"props":703,"children":704},{},[705,707],{"type":67,"value":706},"Presse spécialisée : Aladom, « Avance immédiate du crédit d'impôt : la date limite pour l'attestation de garantie repoussée au 31 octobre 2026 », 15 juillet 2026 — ",{"type":58,"tag":140,"props":708,"children":711},{"href":709,"rel":710},"https:\u002F\u002Fwww.aladom.fr\u002Factualites\u002Fsecteur-service\u002F11232\u002Favance-immediate-du-credit-dimpot-la-date-limite-pour-lattestation-de-garantie-repoussee-au-31-octobre-2026\u002F",[144],[712],{"type":67,"value":713},"aladom.fr",{"type":58,"tag":129,"props":715,"children":716},{},[717,719],{"type":67,"value":718},"FESP, « Avance Immédiate : nouvelles obligations au 1er janvier 2026 », 9 décembre 2025 — ",{"type":58,"tag":140,"props":720,"children":723},{"href":721,"rel":722},"https:\u002F\u002Fwww.fesp.fr\u002Favance-immediate-nouvelles-obligations-au-1er-janvier-2026\u002F",[144],[724],{"type":67,"value":725},"fesp.fr",{"type":58,"tag":129,"props":727,"children":728},{},[729,731],{"type":67,"value":730},"FESP, « AVIM Cisap – Obligation pour les OSP de transmettre une garantie financière avant le 30 avril 2026 », 22 décembre 2025 (période transitoire jusqu'au 30 avril 2026) — ",{"type":58,"tag":140,"props":732,"children":735},{"href":733,"rel":734},"https:\u002F\u002Fwww.fesp.fr\u002Favim-cisap-obligation-pour-les-osp-de-transmettre-une-garantie-financiere-avant-le-30-avril-2026\u002F",[144],[736],{"type":67,"value":725},{"type":58,"tag":738,"props":739,"children":744},"cta-subscribe",{"cta-label":740,"href":567,"product":741,"subtitle":742,"title":743},"Demander mon devis","rcpro","Garantie financière conforme D133-22, à partir de 490 €\u002Fan selon la grille publiée.","Date limite : 31 octobre 2026",[],{"type":58,"tag":746,"props":747,"children":748},"hr",{},[],{"type":58,"tag":59,"props":750,"children":751},{},[752],{"type":58,"tag":63,"props":753,"children":754},{},[755],{"type":67,"value":756},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique. La date du 31 octobre 2026 correspond à la date limite de dépôt indiquée par l'Urssaf à la date de mise à jour ; les éléments réglementaires (décret n°2024-1161, article D133-22 du Code de la sécurité sociale) sont susceptibles d'évoluer. Vérifiez les sources officielles Légifrance et Urssaf pour votre situation précise.",{"title":7,"searchDepth":758,"depth":758,"links":759},3,[760,762,763,764,765,766,767,768],{"id":120,"depth":761,"text":123},2,{"id":212,"depth":761,"text":215},{"id":378,"depth":761,"text":381},{"id":396,"depth":761,"text":399},{"id":486,"depth":761,"text":489},{"id":518,"depth":761,"text":521},{"id":576,"depth":761,"text":579},{"id":637,"depth":761,"text":640},"markdown","content:blog:2026:garantie-financiere-sap-date-limite-31-juillet-2026.md","content","blog\u002F2026\u002Fgarantie-financiere-sap-date-limite-31-juillet-2026.md","blog\u002F2026\u002Fgarantie-financiere-sap-date-limite-31-juillet-2026","md",[776,1966,3781],{"_path":777,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":778,"description":779,"slug":780,"publishedAt":781,"updatedAt":12,"author":782,"reviewedBy":18,"cover":784,"categories":787,"tags":788,"readingTime":795,"featured":6,"status":34,"seo":796,"faq":800,"body":819,"_type":769,"_id":1963,"_source":771,"_file":1964,"_stem":1965,"_extension":774},"\u002Fblog\u002F2026\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026","Avance Immédiate au 1er novembre 2026 sans garantie financière : ce qui se passe et comment régulariser vite","Avance Immédiate sans garantie financière au 1er novembre 2026 : ce que fait l'Urssaf, qui est concerné, régularisation en 5 étapes, message aux clients. Dès 490 €\u002Fan.","avance-immediate-sans-garantie-financiere-1er-novembre-2026","2026-09-25T08:00:00Z",{"name":14,"slug":15,"role":16,"bio":783},"Tutassûr est un cabinet de courtage en assurances immatriculé à l'ORIAS sous le n°22001730, placé sous le contrôle de l'ACPR. Tutassûr propose aux organismes de services à la personne un parcours de devis en ligne pour obtenir une attestation de garantie financière conforme à l'article D133-22 du Code de la sécurité sociale.",{"src":785,"alt":786,"width":22,"height":23},"\u002Fblog\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026\u002Fcover.svg","Sans garantie financière au 1er novembre 2026 : conséquences sur l'Avance Immédiate et régularisation — Tutassûr",[25],[789,790,791,792,793,794],"avance immédiate sans garantie financière","1er novembre 2026","garantie financière SAP en retard","régulariser garantie financière SAP","date limite 31 octobre 2026","attestation D133-22",9,{"ogImage":785,"metaKeywords":797},[789,798,792,799,791],"avance immédiate 1er novembre 2026","prévenir ses clients avance immédiate",[801,804,807,810,813,816],{"question":802,"answer":803},"L'accès à l'Avance Immédiate est-il coupé automatiquement le 1er novembre 2026 ?","Le 31 octobre 2026 est la date limite de dépôt de la garantie fixée par l'Urssaf dans le cadre de ses contrôles. Passé cette date, un organisme concerné dont l'attestation n'a pas été reçue ne peut plus utiliser le service tant qu'une attestation conforme n'a pas été reçue et traitée. L'Urssaf prévoit des notifications automatiques, mais n'attendez pas de les recevoir pour agir.",{"question":805,"answer":806},"Mon client perd-il son crédit d'impôt si je n'ai pas d'attestation au 1er novembre 2026 ?","Non. Le crédit d'impôt services à la personne reste acquis au client. Ce qui disparaît tant que votre attestation n'a pas été reçue et traitée, c'est son avance immédiate : le client règle la totalité de la prestation et récupère le crédit d'impôt l'année suivante, lors de sa déclaration de revenus, sur la base de l'attestation fiscale annuelle que vous lui remettez.",{"question":808,"answer":809},"Puis-je encore régulariser après le 31 octobre 2026 ?","Oui. L'absence d'attestation à la date limite entraîne une suspension de l'accès, pas une exclusion définitive. L'accès est rétabli une fois l'attestation conforme reçue et traitée par l'Urssaf. Chaque jour de suspension a toutefois un coût commercial : vos clients avancent 100 % du prix pendant ce temps.",{"question":811,"answer":812},"Combien coûte la régularisation de la garantie financière SAP avec la nouvelle grille Tutassûr ?","La grille publiée le 25 septembre 2026 démarre à 490 € TTC par an pour une structure de plus de trois ans d'ancienneté déclarant jusqu'à 500 000 € de prestations (garantie de 15 000 €). Sans liasse fiscale sur une année complète, la même tranche est à 963 €. Tarifs indicatifs, hors fractionnement, définitifs après étude du dossier.",{"question":814,"answer":815},"Que faire si ma garantie actuelle expire avant la fin de l'année 2026 ?","Anticipez le renouvellement : une garantie qui prend fin sans relais produit le même blocage qu'une absence d'attestation. L'Urssaf prévoit des notifications à l'approche de l'échéance, mais votre propre suivi reste indispensable. Demandez la nouvelle attestation avant l'expiration, transmettez-la à avance-immediate@urssaf.fr et conservez l'accusé de réception comme preuve.",{"question":817,"answer":818},"Le report au 31 octobre 2026 est-il officiel ?","Oui. La page du service Avance Immédiate sur urssaf.fr et la foire aux questions de l'Urssaf sur la garantie financière indiquent que la date limite de dépôt de garantie est fixée au 31\u002F10\u002F2026, dans le cadre de la mise en œuvre des contrôles. La presse spécialisée a relayé ce report dès juillet 2026, l'échéance précédente étant le 31 juillet 2026.",{"type":55,"children":820,"toc":1945},[821,862,878,884,949,955,967,972,1013,1032,1038,1043,1140,1160,1166,1178,1184,1189,1310,1317,1322,1328,1350,1356,1361,1367,1385,1391,1396,1629,1641,1647,1652,1662,1672,1690,1695,1701,1771,1777,1803,1815,1821,1873,1877,1928,1934,1937],{"type":58,"tag":59,"props":822,"children":823},{},[824],{"type":58,"tag":63,"props":825,"children":826},{},[827,829,834,836,840,842,847,849,854,856,861],{"type":67,"value":828},"Point d'étape — Publié le 25 septembre 2026, mis à jour le 26 septembre 2026. L'Urssaf a fixé la ",{"type":58,"tag":70,"props":830,"children":831},{},[832],{"type":67,"value":833},"date limite de dépôt de la garantie financière",{"type":67,"value":835}," des organismes de services à la personne au ",{"type":58,"tag":70,"props":837,"children":838},{},[839],{"type":67,"value":93},{"type":67,"value":841}," (échéance reportée, après le 1er janvier puis le 31 juillet 2026). Cet article est consacré à une date précise : ce qui se passe pour l'",{"type":58,"tag":70,"props":843,"children":844},{},[845],{"type":67,"value":846},"Avance Immédiate au 1er novembre 2026",{"type":67,"value":848}," lorsqu'un organisme n'a pas d'",{"type":58,"tag":70,"props":850,"children":851},{},[852],{"type":67,"value":853},"attestation conforme",{"type":67,"value":855},", et comment ",{"type":58,"tag":70,"props":857,"children":858},{},[859],{"type":67,"value":860},"régulariser en urgence",{"type":67,"value":393},{"type":58,"tag":59,"props":863,"children":864},{},[865,870,872,876],{"type":58,"tag":70,"props":866,"children":867},{},[868],{"type":67,"value":869},"Avance Immédiate au 1er novembre 2026 sans garantie financière",{"type":67,"value":871}," : dès le lendemain de la date limite, un organisme de services à la personne soumis à l'article D133-22 dont l'attestation n'a pas été reçue ne peut plus utiliser le service, jusqu'à réception et traitement d'une attestation conforme par l'Urssaf. Ses clients avancent alors 100 % de la prestation. La régularisation en urgence passe par un devis, une attestation et sa transmission à ",{"type":58,"tag":140,"props":873,"children":874},{"href":445},[875],{"type":67,"value":448},{"type":67,"value":877}," ; les étapes, le coût et le message à adresser à vos clients sont détaillés ci-dessous.",{"type":58,"tag":118,"props":879,"children":881},{"id":880},"que-faut-il-retenir-en-30-secondes",[882],{"type":67,"value":883},"Que faut-il retenir en 30 secondes ?",{"type":58,"tag":125,"props":885,"children":886},{},[887,897,914,924,939],{"type":58,"tag":129,"props":888,"children":889},{},[890,895],{"type":58,"tag":70,"props":891,"children":892},{},[893],{"type":67,"value":894},"Date limite de dépôt de la garantie : 31 octobre 2026",{"type":67,"value":896},", fixée par l'Urssaf au titre de la mise en œuvre de ses contrôles. Les dates du 1er janvier et du 31 juillet 2026 sont dépassées.",{"type":58,"tag":129,"props":898,"children":899},{},[900,905,907,912],{"type":58,"tag":70,"props":901,"children":902},{},[903],{"type":67,"value":904},"Au 1er novembre 2026",{"type":67,"value":906},", un organisme concerné sans attestation conforme ",{"type":58,"tag":70,"props":908,"children":909},{},[910],{"type":67,"value":911},"ne peut plus utiliser le service",{"type":67,"value":913}," jusqu'à réception et traitement d'une nouvelle attestation par l'Urssaf.",{"type":58,"tag":129,"props":915,"children":916},{},[917,922],{"type":58,"tag":70,"props":918,"children":919},{},[920],{"type":67,"value":921},"Pour vos clients",{"type":67,"value":923}," : plus d'avance du crédit d'impôt, 100 % de la prestation à régler, crédit d'impôt récupéré l'année suivante.",{"type":58,"tag":129,"props":925,"children":926},{},[927,932,934,938],{"type":58,"tag":70,"props":928,"children":929},{},[930],{"type":67,"value":931},"Régularisation",{"type":67,"value":933}," : devis en ligne, attestation conforme D133-22, transmission à ",{"type":58,"tag":140,"props":935,"children":936},{"href":445},[937],{"type":67,"value":448},{"type":67,"value":393},{"type":58,"tag":129,"props":940,"children":941},{},[942,947],{"type":58,"tag":70,"props":943,"children":944},{},[945],{"type":67,"value":946},"Tarif Tutassûr : à partir de 490 €\u002Fan",{"type":67,"value":948}," (nouvelle grille du 25 septembre 2026).",{"type":58,"tag":118,"props":950,"children":952},{"id":951},"que-fait-lurssaf-après-le-31-octobre-2026",[953],{"type":67,"value":954},"Que fait l'Urssaf après le 31 octobre 2026 ?",{"type":58,"tag":59,"props":956,"children":957},{},[958,960,965],{"type":67,"value":959},"La page officielle du service Avance Immédiate est explicite : « la date limite de dépôt de garantie est fixée au 31\u002F10\u002F2026 », dans le cadre de la mise en œuvre des contrôles liés à la garantie financière. La foire aux questions de l'Urssaf consacrée à la garantie financière précise la conséquence d'un dossier absent : lorsqu'une attestation nécessaire à l'usage du dispositif n'a pas été reçue, l'organisme ",{"type":58,"tag":70,"props":961,"children":962},{},[963],{"type":67,"value":964},"ne peut plus utiliser le service tant que l'Urssaf n'a pas reçu et traité",{"type":67,"value":966}," une nouvelle attestation.",{"type":58,"tag":59,"props":968,"children":969},{},[970],{"type":67,"value":971},"Trois points ressortent de cette documentation officielle :",{"type":58,"tag":973,"props":974,"children":975},"ol",{},[976,993,1003],{"type":58,"tag":129,"props":977,"children":978},{},[979,984,986,991],{"type":58,"tag":70,"props":980,"children":981},{},[982],{"type":67,"value":983},"Il n'y a pas de période de grâce après le 31 octobre.",{"type":67,"value":985}," L'Urssaf conseille elle-même de ne pas attendre l'échéance pour transmettre l'attestation, car celle-ci doit être reçue ",{"type":58,"tag":70,"props":987,"children":988},{},[989],{"type":67,"value":990},"et traitée",{"type":67,"value":992}," pour que l'accès soit maintenu ou rétabli.",{"type":58,"tag":129,"props":994,"children":995},{},[996,1001],{"type":58,"tag":70,"props":997,"children":998},{},[999],{"type":67,"value":1000},"La suspension n'est pas une sanction définitive.",{"type":67,"value":1002}," Elle dure tant qu'aucune attestation conforme n'a été reçue et traitée. Une régularisation reste donc possible en novembre, mais chaque jour sans accès se paie commercialement.",{"type":58,"tag":129,"props":1004,"children":1005},{},[1006,1011],{"type":58,"tag":70,"props":1007,"children":1008},{},[1009],{"type":67,"value":1010},"Des notifications automatiques sont prévues",{"type":67,"value":1012}," pour prévenir les organismes de l'approche d'un seuil, de l'échéance de leur attestation ou de leur blocage. Elles ne remplacent pas votre propre suivi.",{"type":58,"tag":59,"props":1014,"children":1015},{},[1016,1018,1024,1026,1031],{"type":67,"value":1017},"Les manquements plus graves (déclarations présumées fictives, non-paiement, situation du dirigeant), avec des suspensions jusqu'à six mois et des exclusions jusqu'à cinq ans, sont traités dans notre article ",{"type":58,"tag":140,"props":1019,"children":1021},{"href":1020},"\u002Fblog\u002Fsuspension-exclusion-avance-immediate-urssaf-sap",[1022],{"type":67,"value":1023},"Suspension ou exclusion de l'Avance Immédiate",{"type":67,"value":1025},". 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Point de vigilance signalé par l'Urssaf : ",{"type":58,"tag":70,"props":1154,"children":1155},{},[1156],{"type":67,"value":1157},"franchir un seuil en cours d'année",{"type":67,"value":1159}," impose une nouvelle attestation d'un montant suffisant, sans laquelle l'accès est bloqué. Mieux vaut garantir d'emblée l'intégralité du besoin annuel.",{"type":58,"tag":118,"props":1161,"children":1163},{"id":1162},"quel-est-limpact-au-1er-novembre-2026-pour-lorganisme-et-ses-clients",[1164],{"type":67,"value":1165},"Quel est l'impact au 1er novembre 2026 pour l'organisme et ses clients ?",{"type":58,"tag":59,"props":1167,"children":1168},{},[1169,1171,1177],{"type":67,"value":1170},"À partir du 1er novembre 2026, tant que l'attestation n'a pas été reçue et traitée, vos clients règlent 100 % de la prestation et récupèrent leur crédit d'impôt l'année suivante, lors de leur déclaration de revenus ; vous redevenez créancier de la totalité du prix, avec le délai d'encaissement et le risque d'impayé. Face aux organismes qui auront transmis leur attestation avant le 31 octobre, vous perdez l'argument du reste à charge réduit le temps de la régularisation. L'impact détaillé (clients, trésorerie, position commerciale) est traité dans notre article sur la ",{"type":58,"tag":140,"props":1172,"children":1174},{"href":1173},"\u002Fblog\u002Fgarantie-financiere-sap-avance-immediate-bloquee-solution",[1175],{"type":67,"value":1176},"perte de clients et de chiffre d'affaires d'une Avance Immédiate bloquée",{"type":67,"value":393},{"type":58,"tag":118,"props":1179,"children":1181},{"id":1180},"comment-régulariser-vite-quel-parcours-en-cinq-étapes",[1182],{"type":67,"value":1183},"Comment régulariser vite : quel parcours en cinq étapes ?",{"type":58,"tag":59,"props":1185,"children":1186},{},[1187],{"type":67,"value":1188},"À cinq semaines de l'échéance, le calendrier est serré mais tenable, à condition de ne pas perdre de jour. Voici le parcours que nous recommandons.",{"type":58,"tag":229,"props":1190,"children":1191},{},[1192,1213],{"type":58,"tag":233,"props":1193,"children":1194},{},[1195],{"type":58,"tag":237,"props":1196,"children":1197},{},[1198,1203,1208],{"type":58,"tag":241,"props":1199,"children":1200},{},[1201],{"type":67,"value":1202},"Étape",{"type":58,"tag":241,"props":1204,"children":1205},{},[1206],{"type":67,"value":1207},"Qui",{"type":58,"tag":241,"props":1209,"children":1210},{},[1211],{"type":67,"value":1212},"Ce qu'il faut faire",{"type":58,"tag":262,"props":1214,"children":1215},{},[1216,1234,1251,1269,1287],{"type":58,"tag":237,"props":1217,"children":1218},{},[1219,1224,1229],{"type":58,"tag":269,"props":1220,"children":1221},{},[1222],{"type":67,"value":1223},"1. Qualifier le besoin",{"type":58,"tag":269,"props":1225,"children":1226},{},[1227],{"type":67,"value":1228},"Vous",{"type":58,"tag":269,"props":1230,"children":1231},{},[1232],{"type":67,"value":1233},"Identifier votre tranche à partir des prestations déclarées en N-1 (ou du prévisionnel N pour une entrée en cours d'année), acompte compris",{"type":58,"tag":237,"props":1235,"children":1236},{},[1237,1242,1246],{"type":58,"tag":269,"props":1238,"children":1239},{},[1240],{"type":67,"value":1241},"2. Réunir les pièces",{"type":58,"tag":269,"props":1243,"children":1244},{},[1245],{"type":67,"value":1228},{"type":58,"tag":269,"props":1247,"children":1248},{},[1249],{"type":67,"value":1250},"Kbis de moins de 3 mois, liasse fiscale ou bilans (ou prévisionnel), RIB, déclaration NOVA et agrément éventuel, estimation du volume annuel",{"type":58,"tag":237,"props":1252,"children":1253},{},[1254,1259,1264],{"type":58,"tag":269,"props":1255,"children":1256},{},[1257],{"type":67,"value":1258},"3. Demander le devis",{"type":58,"tag":269,"props":1260,"children":1261},{},[1262],{"type":67,"value":1263},"Vous, en ligne",{"type":58,"tag":269,"props":1265,"children":1266},{},[1267],{"type":67,"value":1268},"Parcours de devis en ligne Tutassûr",{"type":58,"tag":237,"props":1270,"children":1271},{},[1272,1277,1282],{"type":58,"tag":269,"props":1273,"children":1274},{},[1275],{"type":67,"value":1276},"4. Recevoir l'attestation",{"type":58,"tag":269,"props":1278,"children":1279},{},[1280],{"type":67,"value":1281},"Tutassûr et son porteur de risque",{"type":58,"tag":269,"props":1283,"children":1284},{},[1285],{"type":67,"value":1286},"Attestation conforme à l'article D133-22, après étude du dossier",{"type":58,"tag":237,"props":1288,"children":1289},{},[1290,1295,1299],{"type":58,"tag":269,"props":1291,"children":1292},{},[1293],{"type":67,"value":1294},"5. Transmettre à l'Urssaf",{"type":58,"tag":269,"props":1296,"children":1297},{},[1298],{"type":67,"value":1228},{"type":58,"tag":269,"props":1300,"children":1301},{},[1302,1304,1308],{"type":67,"value":1303},"Envoi à ",{"type":58,"tag":140,"props":1305,"children":1306},{"href":445},[1307],{"type":67,"value":448},{"type":67,"value":1309}," par un moyen donnant date certaine, accusé conservé",{"type":58,"tag":1311,"props":1312,"children":1314},"h3",{"id":1313},"étape-1-qualifier-le-besoin-sans-se-tromper-de-tranche",[1315],{"type":67,"value":1316},"Étape 1 : qualifier le besoin sans se tromper de tranche",{"type":58,"tag":59,"props":1318,"children":1319},{},[1320],{"type":67,"value":1321},"L'Urssaf invite les organismes à se reporter au total des demandes de paiement soumises en N-1, acomptes compris, pour estimer leur besoin de l'année N. Un organisme entré dans le dispositif en cours d'année raisonne sur son chiffre d'affaires prévisionnel dans l'Avance Immédiate. L'acompte prélevé auprès du client compte dans le montant déclaré : une prestation de 100 € avec 50 € d'acompte reste une prestation déclarée de 100 €.",{"type":58,"tag":1311,"props":1323,"children":1325},{"id":1324},"étapes-2-et-3-un-dossier-complet-puis-le-devis-en-ligne",[1326],{"type":67,"value":1327},"Étapes 2 et 3 : un dossier complet, puis le devis en ligne",{"type":58,"tag":59,"props":1329,"children":1330},{},[1331,1333,1339,1341,1348],{"type":67,"value":1332},"La liste des pièces figure dans notre article sur ",{"type":58,"tag":140,"props":1334,"children":1336},{"href":1335},"\u002Fblog\u002Fpieces-dossier-garantie-financiere-sap",[1337],{"type":67,"value":1338},"les pièces du dossier",{"type":67,"value":1340}," ; une liasse fiscale sur une année complète et une ancienneté supérieure à trois ans pèsent directement sur le tarif. Le ",{"type":58,"tag":140,"props":1342,"children":1345},{"href":1343,"rel":1344},"https:\u002F\u002Fparcours-garantie-financiere.tutassur.fr",[144],[1346],{"type":67,"value":1347},"parcours de devis Tutassûr",{"type":67,"value":1349}," recueille votre situation et vos pièces, sans garant à chercher de votre côté.",{"type":58,"tag":1311,"props":1351,"children":1353},{"id":1352},"étape-4-une-attestation-qui-contient-toutes-les-mentions-attendues",[1354],{"type":67,"value":1355},"Étape 4 : une attestation qui contient toutes les mentions attendues",{"type":58,"tag":59,"props":1357,"children":1358},{},[1359],{"type":67,"value":1360},"L'Urssaf ne valide pas de modèle d'attestation, mais met à disposition un modèle de référence et liste les informations attendues : identification du garant, du bénéficiaire (Urssaf Rhône-Alpes) et du ou des organismes couverts (dénomination et SIRET), objet de la garantie, engagements du garant, montant, dates d'effet et d'expiration. L'attestation émise par le garant, obtenue via le parcours Tutassûr, reprend ces mentions.",{"type":58,"tag":1311,"props":1362,"children":1364},{"id":1363},"étape-5-transmettre-et-conserver-la-preuve",[1365],{"type":67,"value":1366},"Étape 5 : transmettre et conserver la preuve",{"type":58,"tag":59,"props":1368,"children":1369},{},[1370,1372,1376,1378,1384],{"type":67,"value":1371},"L'attestation est à envoyer à ",{"type":58,"tag":140,"props":1373,"children":1374},{"href":445},[1375],{"type":67,"value":448},{"type":67,"value":1377},". Utilisez un moyen qui donne une date certaine à l'envoi et conservez l'accusé de réception : c'est votre preuve en cas de contrôle. L'accès est maintenu ou rétabli après réception et traitement par l'Urssaf. Procédure détaillée : ",{"type":58,"tag":140,"props":1379,"children":1381},{"href":1380},"\u002Fblog\u002Fobtenir-transmettre-attestation-garantie-financiere-urssaf",[1382],{"type":67,"value":1383},"obtenir et transmettre l'attestation",{"type":67,"value":393},{"type":58,"tag":118,"props":1386,"children":1388},{"id":1387},"combien-coûte-la-régularisation",[1389],{"type":67,"value":1390},"Combien coûte la régularisation ?",{"type":58,"tag":59,"props":1392,"children":1393},{},[1394],{"type":67,"value":1395},"Tutassûr a publié le 25 septembre 2026 une nouvelle grille tarifaire. Prime TTC indicative par an, hors fractionnement, définitive après étude du dossier :",{"type":58,"tag":229,"props":1397,"children":1398},{},[1399,1430],{"type":58,"tag":233,"props":1400,"children":1401},{},[1402],{"type":58,"tag":237,"props":1403,"children":1404},{},[1405,1410,1415,1420,1425],{"type":58,"tag":241,"props":1406,"children":1407},{},[1408],{"type":67,"value":1409},"Prestations déclarées",{"type":58,"tag":241,"props":1411,"children":1412},{},[1413],{"type":67,"value":1414},"Garantie exigée",{"type":58,"tag":241,"props":1416,"children":1417},{},[1418],{"type":67,"value":1419},"Sans liasse fiscale sur une année complète",{"type":58,"tag":241,"props":1421,"children":1422},{},[1423],{"type":67,"value":1424},"Liasse sur une année complète, ancienneté \u003C 3 ans",{"type":58,"tag":241,"props":1426,"children":1427},{},[1428],{"type":67,"value":1429},"Ancienneté > 3 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€",{"type":58,"tag":269,"props":1610,"children":1611},{},[1612],{"type":67,"value":1613},"1 200 000 €",{"type":58,"tag":269,"props":1615,"children":1616},{},[1617],{"type":67,"value":1618},"37 203 €",{"type":58,"tag":269,"props":1620,"children":1621},{},[1622],{"type":67,"value":1623},"24 718 €",{"type":58,"tag":269,"props":1625,"children":1626},{},[1627],{"type":67,"value":1628},"18 416 €",{"type":58,"tag":59,"props":1630,"children":1631},{},[1632,1634,1639],{"type":67,"value":1633},"Le détail de la grille et les leviers d'économie sont dans ",{"type":58,"tag":140,"props":1635,"children":1636},{"href":629},[1637],{"type":67,"value":1638},"nos nouveaux tarifs 2026",{"type":67,"value":1640},". À mettre en regard du coût d'une suspension : un seul contrat récurrent perdu parce que le client refuse d'avancer la totalité du prix peut, à lui seul, dépasser la prime annuelle de la première tranche.",{"type":58,"tag":118,"props":1642,"children":1644},{"id":1643},"comment-prévenir-vos-clients-sans-les-inquiéter",[1645],{"type":67,"value":1646},"Comment prévenir vos clients sans les inquiéter ?",{"type":58,"tag":59,"props":1648,"children":1649},{},[1650],{"type":67,"value":1651},"Deux scénarios se présentent.",{"type":58,"tag":59,"props":1653,"children":1654},{},[1655,1660],{"type":58,"tag":70,"props":1656,"children":1657},{},[1658],{"type":67,"value":1659},"Vous serez en règle au 31 octobre.",{"type":67,"value":1661}," Un message court suffit, et il vous distingue : « Notre organisme a transmis à l'Urssaf son attestation de garantie financière ; votre Avance Immédiate du crédit d'impôt continue sans changement. »",{"type":58,"tag":59,"props":1663,"children":1664},{},[1665,1670],{"type":58,"tag":70,"props":1666,"children":1667},{},[1668],{"type":67,"value":1669},"Vous risquez une suspension.",{"type":67,"value":1671}," Informez avant la première facture concernée, par écrit, en trois points :",{"type":58,"tag":125,"props":1673,"children":1674},{},[1675,1680,1685],{"type":58,"tag":129,"props":1676,"children":1677},{},[1678],{"type":67,"value":1679},"ce qui change : pendant la suspension, la part correspondant au crédit d'impôt n'est plus avancée par l'Urssaf, le règlement porte sur la totalité de la prestation ;",{"type":58,"tag":129,"props":1681,"children":1682},{},[1683],{"type":67,"value":1684},"ce qui ne change pas : le crédit d'impôt reste acquis, le client le récupère lors de sa déclaration de revenus, et vous lui remettrez l'attestation fiscale annuelle ;",{"type":58,"tag":129,"props":1686,"children":1687},{},[1688],{"type":67,"value":1689},"ce que vous faites : régularisation en cours, transmission de l'attestation à l'Urssaf, information dès le rétablissement.",{"type":58,"tag":59,"props":1691,"children":1692},{},[1693],{"type":67,"value":1694},"Ne promettez pas de date de rétablissement : elle dépend de la réception et du traitement de l'attestation par l'Urssaf. Informez aussi vos intervenants à domicile, souvent les premiers à qui les clients posent la question.",{"type":58,"tag":118,"props":1696,"children":1698},{"id":1697},"que-faut-il-éviter-absolument",[1699],{"type":67,"value":1700},"Que faut-il éviter absolument ?",{"type":58,"tag":125,"props":1702,"children":1703},{},[1704,1714,1724,1734,1744,1761],{"type":58,"tag":129,"props":1705,"children":1706},{},[1707,1712],{"type":58,"tag":70,"props":1708,"children":1709},{},[1710],{"type":67,"value":1711},"Attendre le 31 octobre pour envoyer le dossier.",{"type":67,"value":1713}," L'attestation doit être reçue et traitée ; l'Urssaf recommande de ne pas attendre l'échéance.",{"type":58,"tag":129,"props":1715,"children":1716},{},[1717,1722],{"type":58,"tag":70,"props":1718,"children":1719},{},[1720],{"type":67,"value":1721},"Envoyer un document qui n'est pas une attestation de garantie financière.",{"type":67,"value":1723}," Un accord de principe bancaire, une attestation d'assurance RC Pro ou un courrier sans les mentions attendues ne remplacent pas l'attestation conforme.",{"type":58,"tag":129,"props":1725,"children":1726},{},[1727,1732],{"type":58,"tag":70,"props":1728,"children":1729},{},[1730],{"type":67,"value":1731},"Sous-dimensionner le montant",{"type":67,"value":1733}," pour économiser sur la prime : au premier seuil franchi, l'accès est bloqué jusqu'à réception d'une nouvelle attestation.",{"type":58,"tag":129,"props":1735,"children":1736},{},[1737,1742],{"type":58,"tag":70,"props":1738,"children":1739},{},[1740],{"type":67,"value":1741},"Chercher à contourner",{"type":67,"value":1743}," en fractionnant ou en décalant des déclarations : les déclarations présumées fictives relèvent des motifs de suspension et d'exclusion, bien plus lourds.",{"type":58,"tag":129,"props":1745,"children":1746},{},[1747,1752,1754,1760],{"type":58,"tag":70,"props":1748,"children":1749},{},[1750],{"type":67,"value":1751},"Oublier le renouvellement.",{"type":67,"value":1753}," Une garantie qui expire sans relais produit le même blocage qu'une absence d'attestation ; voir ",{"type":58,"tag":140,"props":1755,"children":1757},{"href":1756},"\u002Fblog\u002Frenouvellement-resiliation-garantie-financiere-sap",[1758],{"type":67,"value":1759},"renouvellement et résiliation",{"type":67,"value":393},{"type":58,"tag":129,"props":1762,"children":1763},{},[1764,1769],{"type":58,"tag":70,"props":1765,"children":1766},{},[1767],{"type":67,"value":1768},"Pour les réseaux, une attestation globale sans identification de chaque organisme.",{"type":67,"value":1770}," Chaque structure couverte doit apparaître avec sa dénomination, son SIRET et un montant calculé sur ses propres demandes de paiement.",{"type":58,"tag":118,"props":1772,"children":1774},{"id":1773},"pourquoi-passer-par-tutassûr-pour-régulariser",[1775],{"type":67,"value":1776},"Pourquoi passer par Tutassûr pour régulariser ?",{"type":58,"tag":59,"props":1778,"children":1779},{},[1780,1782,1787,1789,1794,1796,1801],{"type":67,"value":1781},"Tutassûr, courtier grossiste en assurance (ORIAS n°22001730), propose l'",{"type":58,"tag":70,"props":1783,"children":1784},{},[1785],{"type":67,"value":1786},"attestation de garantie financière conforme à l'article D133-22",{"type":67,"value":1788}," via un ",{"type":58,"tag":70,"props":1790,"children":1791},{},[1792],{"type":67,"value":1793},"parcours de devis en ligne",{"type":67,"value":1795},", à un tarif ",{"type":58,"tag":70,"props":1797,"children":1798},{},[1799],{"type":67,"value":1800},"à partir de 490 €\u002Fan",{"type":67,"value":1802}," selon la grille publiée.",{"type":58,"tag":59,"props":1804,"children":1805},{},[1806],{"type":58,"tag":140,"props":1807,"children":1809},{"href":1343,"rel":1808},[144],[1810],{"type":58,"tag":70,"props":1811,"children":1812},{},[1813],{"type":67,"value":1814},"Régulariser ma garantie financière avant le 31 octobre 2026 →",{"type":58,"tag":118,"props":1816,"children":1818},{"id":1817},"à-lire-aussi",[1819],{"type":67,"value":1820},"À lire aussi",{"type":58,"tag":125,"props":1822,"children":1823},{},[1824,1834,1844,1853,1863],{"type":58,"tag":129,"props":1825,"children":1826},{},[1827,1832],{"type":58,"tag":140,"props":1828,"children":1829},{"href":503},[1830],{"type":67,"value":1831},"Calendrier garantie financière SAP semaine par semaine",{"type":67,"value":1833}," — du devis à l'envoi de l'attestation, jusqu'à l'échéance du 31 octobre 2026.",{"type":58,"tag":129,"props":1835,"children":1836},{},[1837,1842],{"type":58,"tag":140,"props":1838,"children":1839},{"href":629},[1840],{"type":67,"value":1841},"Nouveaux tarifs de la garantie financière SAP 2026",{"type":67,"value":1843}," — la grille complète et les leviers d'économie.",{"type":58,"tag":129,"props":1845,"children":1846},{},[1847,1851],{"type":58,"tag":140,"props":1848,"children":1849},{"href":1020},[1850],{"type":67,"value":1023},{"type":67,"value":1852}," — les sanctions réglementaires : motifs, durées de 6 mois à 5 ans, notification.",{"type":58,"tag":129,"props":1854,"children":1855},{},[1856,1861],{"type":58,"tag":140,"props":1857,"children":1858},{"href":1173},[1859],{"type":67,"value":1860},"Avance Immédiate bloquée : perte de clients et de chiffre d'affaires",{"type":67,"value":1862}," — ce que coûte un accès bloqué, en toute période, et comment le débloquer.",{"type":58,"tag":129,"props":1864,"children":1865},{},[1866,1871],{"type":58,"tag":140,"props":1867,"children":1868},{"href":567},[1869],{"type":67,"value":1870},"Garantie financière services à la personne : page produit et simulateur",{"type":67,"value":1872}," — estimez votre prime et lancez votre demande.",{"type":58,"tag":118,"props":1874,"children":1875},{"id":637},[1876],{"type":67,"value":640},{"type":58,"tag":125,"props":1878,"children":1879},{},[1880,1890,1900,1909,1918],{"type":58,"tag":129,"props":1881,"children":1882},{},[1883,1885],{"type":67,"value":1884},"Service Avance Immédiate, rubrique « La garantie financière » : date limite de dépôt de garantie fixée au 31\u002F10\u002F2026 — ",{"type":58,"tag":140,"props":1886,"children":1888},{"href":686,"rel":1887},[144],[1889],{"type":67,"value":690},{"type":58,"tag":129,"props":1891,"children":1892},{},[1893,1895],{"type":67,"value":1894},"Foire aux questions sur la garantie financière (Urssaf, PDF) : date limite, conséquences de la non-réception d'une attestation, dépassement de seuil, réseaux — ",{"type":58,"tag":140,"props":1896,"children":1898},{"href":142,"rel":1897},[144],[1899],{"type":67,"value":654},{"type":58,"tag":129,"props":1901,"children":1902},{},[1903,1904],{"type":67,"value":659},{"type":58,"tag":140,"props":1905,"children":1907},{"href":662,"rel":1906},[144],[1908],{"type":67,"value":666},{"type":58,"tag":129,"props":1910,"children":1911},{},[1912,1913],{"type":67,"value":671},{"type":58,"tag":140,"props":1914,"children":1916},{"href":674,"rel":1915},[144],[1917],{"type":67,"value":678},{"type":58,"tag":129,"props":1919,"children":1920},{},[1921,1923],{"type":67,"value":1922},"Aladom, actualité du secteur du 15 juillet 2026 (mise à jour le 4 août 2026) : report de la date limite du 31 juillet au 31 octobre 2026 — ",{"type":58,"tag":140,"props":1924,"children":1926},{"href":709,"rel":1925},[144],[1927],{"type":67,"value":713},{"type":58,"tag":738,"props":1929,"children":1933},{"cta-label":1930,"href":567,"product":741,"subtitle":1931,"title":1932},"Obtenir mon attestation","Attestation de garantie financière conforme D133-22. Nouvelle grille à partir de 490 €\u002Fan.","Régularisez avant le 31 octobre 2026",[],{"type":58,"tag":746,"props":1935,"children":1936},{},[],{"type":58,"tag":59,"props":1938,"children":1939},{},[1940],{"type":58,"tag":63,"props":1941,"children":1942},{},[1943],{"type":67,"value":1944},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique et ne se substitue pas aux décisions de l'Urssaf, seule compétente pour apprécier la conformité d'une attestation et la suspension d'un accès. La date limite de dépôt de la garantie financière (31 octobre 2026) est celle publiée par l'Urssaf à la date du 25 septembre 2026 ; les tarifs indiqués sont indicatifs, hors fractionnement, et définitifs après étude du dossier. Les éléments réglementaires (décret n°2024-1161, article D133-22 du Code de la sécurité sociale) sont susceptibles d'évoluer ; vérifiez les sources officielles Légifrance et Urssaf pour votre situation.",{"title":7,"searchDepth":758,"depth":758,"links":1946},[1947,1948,1949,1950,1951,1957,1958,1959,1960,1961,1962],{"id":880,"depth":761,"text":883},{"id":951,"depth":761,"text":954},{"id":1034,"depth":761,"text":1037},{"id":1162,"depth":761,"text":1165},{"id":1180,"depth":761,"text":1183,"children":1952},[1953,1954,1955,1956],{"id":1313,"depth":758,"text":1316},{"id":1324,"depth":758,"text":1327},{"id":1352,"depth":758,"text":1355},{"id":1363,"depth":758,"text":1366},{"id":1387,"depth":761,"text":1390},{"id":1643,"depth":761,"text":1646},{"id":1697,"depth":761,"text":1700},{"id":1773,"depth":761,"text":1776},{"id":1817,"depth":761,"text":1820},{"id":637,"depth":761,"text":640},"content:blog:2026:avance-immediate-sans-garantie-financiere-1er-novembre-2026.md","blog\u002F2026\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026.md","blog\u002F2026\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026",{"_path":1967,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1968,"description":1969,"slug":1970,"publishedAt":781,"updatedAt":12,"author":1971,"reviewedBy":18,"cover":1974,"categories":1977,"tags":1978,"readingTime":795,"featured":6,"status":34,"seo":1984,"faq":1986,"body":2005,"_type":769,"_id":3778,"_source":771,"_file":3779,"_stem":3780,"_extension":774},"\u002Fblog\u002F2026\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026","Checklist garantie financière SAP : 10 points à cocher à J-30 (dossier, attestation, envoi Urssaf, erreurs)","La checklist garantie financière SAP en 10 points : êtes-vous concerné, tranche, liasse, Kbis, devis, contrôle de l'attestation, envoi à l'Urssaf, preuve d'envoi.","garantie-financiere-sap-checklist-j-30-avant-31-octobre-2026",{"name":14,"slug":15,"role":1972,"bio":1973},"Courtier grossiste en assurance — ORIAS n°22001730","Tutassûr est un courtier grossiste en assurance immatriculé à l'ORIAS sous le n°22001730, placé sous le contrôle de l'ACPR et basé à Échirolles, près de Grenoble. Il propose la garantie financière SAP (article D133-22 du Code de la sécurité sociale) sur un parcours de devis en ligne.",{"src":1975,"alt":1976,"width":22,"height":23},"\u002Fblog\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026\u002Fcover.svg","Garantie financière SAP : la checklist J-30 avant le 31 octobre 2026 — Tutassûr",[25],[1979,1980,1981,1982,1983],"checklist garantie financière SAP","garantie financière SAP J-30","liste de contrôle envoi Urssaf garantie financière","erreurs dossier garantie financière SAP","liste de contrôle avance immédiate",{"ogImage":1975,"metaKeywords":1985},[1979,1980,1981,1982,1983],[1987,1990,1993,1996,1999,2002],{"question":1988,"answer":1989},"Puis-je déposer ma demande avant d'avoir toutes les pièces ?","Oui, mais la demande ne peut être étudiée qu'une fois le dossier complet. Si votre liasse fiscale tarde, déposez la demande avec vos deux derniers bilans et comptes de résultat, ou un prévisionnel pour une structure récente, et complétez dès réception : sans liasse fiscale sur une année complète, c'est la colonne A de la grille qui s'applique.",{"question":1991,"answer":1992},"J'ai déjà transmis une attestation avant le report : dois-je la renvoyer ?","Non, si elle est conforme et toujours en cours de validité. Vérifiez simplement qu'elle couvre le montant correspondant à votre tranche actuelle et notez sa date d'échéance : la garantie est annuelle et une nouvelle attestation doit être transmise chaque année, ainsi qu'en cas de dépassement de seuil en cours d'année.",{"question":1994,"answer":1995},"Combien coûte la garantie financière avec la grille du 25 septembre 2026 ?","La prime démarre à 490 € TTC par an pour une structure de plus de 3 ans d'ancienneté déclarant jusqu'à 500 000 € de prestations, et atteint 963 € pour la même tranche sans liasse fiscale sur une année complète. Ces montants sont indicatifs, hors fractionnement, et deviennent définitifs après étude du dossier.",{"question":1997,"answer":1998},"Qui doit envoyer l'attestation à l'Urssaf : moi ou le garant ?","Ne présumez pas que l'envoi est fait : le point 9 de la checklist consiste justement à vérifier qui, de vous ou du garant, s'en charge. L'attestation part à avance-immediate@urssaf.fr, en PDF, avec dénomination et SIRET dans l'objet, par un moyen donnant une date certaine de réception (courriel avec accusé de réception ou envoi recommandé électronique). Archivez ensuite l'accusé de réception avec l'attestation, le contrat et la quittance (point 10).",{"question":2000,"answer":2001},"La caution bancaire reste-t-elle possible comme plan B ?","Oui. L'article D133-22 admet trois types de garants : établissement de crédit, société de financement ou entreprise d'assurance, et l'attestation a la même valeur pour l'Urssaf. La caution bancaire mobilise en revanche souvent la trésorerie (blocage ou nantissement) et son délai d'instruction dépend de votre banque, à intégrer dans votre calendrier.",{"question":2003,"answer":2004},"Micro-entreprise ou association : la checklist s'applique-t-elle ?","Oui. L'obligation ne dépend pas du statut juridique mais de l'usage de l'Avance Immédiate : dès le premier euro si vos clients vous versent un acompte, ou à partir de 200 000 € TTC de prestations déclarées sur l'année civile lorsque l'Urssaf règle 100 % de la prestation. Les pièces demandées s'adaptent à votre forme juridique.",{"type":55,"children":2006,"toc":3754},[2007,2042,2063,2067,2140,2146,2158,2183,2189,2450,2456,2503,2536,2542,2576,2599,2605,2648,2660,2666,2707,2712,2718,2776,2787,2793,2845,2858,2864,2899,2961,2967,3003,3015,3021,3057,3068,3074,3128,3133,3138,3171,3369,3380,3386,3391,3464,3469,3475,3480,3492,3498,3523,3549,3555,3566,3571,3595,3620,3624,3682,3686,3727,3738,3743,3746],{"type":58,"tag":59,"props":2008,"children":2009},{},[2010],{"type":58,"tag":63,"props":2011,"children":2012},{},[2013,2015,2020,2022,2027,2029,2034,2036,2040],{"type":67,"value":2014},"Guide pratique 2026 — Publié le 25 septembre 2026, mis à jour le 26 septembre 2026. 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Le garant examine quatre agrégats financiers (certification des comptes, résultat net, fonds propres, résultat d'exploitation) et les antécédents (procédure collective, redressement Urssaf ou fiscal, contentieux d'un dirigeant sur les trois dernières années).",{"type":58,"tag":59,"props":3481,"children":3482},{},[3483,3485,3491],{"type":67,"value":3484},"Les leviers : faire certifier ses comptes, régulariser ou documenter un litige, compléter les pièces, se faire accompagner par un courtier qui présente le risque sous le bon angle. Critères et solutions dans ",{"type":58,"tag":140,"props":3486,"children":3488},{"href":3487},"\u002Fblog\u002Fgarantie-financiere-sap-refus-criteres-eligibilite",[3489],{"type":67,"value":3490},"refus et critères d'éligibilité",{"type":67,"value":393},{"type":58,"tag":118,"props":3493,"children":3495},{"id":3494},"la-caution-bancaire-est-elle-un-plan-b-réaliste-à-cinq-semaines-de-léchéance",[3496],{"type":67,"value":3497},"La caution bancaire est-elle un plan B réaliste à cinq semaines de l'échéance ?",{"type":58,"tag":59,"props":3499,"children":3500},{},[3501,3503,3508,3510,3515,3516,3521],{"type":67,"value":3502},"Oui sur le principe, avec deux réserves. L'article D133-22 admet trois types de garants — ",{"type":58,"tag":70,"props":3504,"children":3505},{},[3506],{"type":67,"value":3507},"établissement de crédit",{"type":67,"value":3509},", ",{"type":58,"tag":70,"props":3511,"children":3512},{},[3513],{"type":67,"value":3514},"société de financement",{"type":67,"value":3509},{"type":58,"tag":70,"props":3517,"children":3518},{},[3519],{"type":67,"value":3520},"entreprise d'assurance",{"type":67,"value":3522}," — et l'attestation a la même valeur auprès de l'Urssaf.",{"type":58,"tag":59,"props":3524,"children":3525},{},[3526,3528,3533,3535,3540,3542,3548],{"type":67,"value":3527},"Première réserve : la caution bancaire mobilise souvent la ",{"type":58,"tag":70,"props":3529,"children":3530},{},[3531],{"type":67,"value":3532},"trésorerie",{"type":67,"value":3534}," (blocage ou nantissement), là où la garantie par une assurance fonctionne par cotisation annuelle. Seconde réserve : le ",{"type":58,"tag":70,"props":3536,"children":3537},{},[3538],{"type":67,"value":3539},"délai d'instruction",{"type":67,"value":3541}," dépend de votre banque et doit entrer dans votre calendrier. Si vous activez ce plan B, faites-le en parallèle et non après un refus. Comparaison chiffrée dans ",{"type":58,"tag":140,"props":3543,"children":3545},{"href":3544},"\u002Fblog\u002Fcaution-bancaire-ou-assurance-garantie-financiere-sap",[3546],{"type":67,"value":3547},"caution bancaire ou assurance",{"type":67,"value":393},{"type":58,"tag":118,"props":3550,"children":3552},{"id":3551},"comment-répartir-ces-10-points-jusquau-31-octobre-2026",[3553],{"type":67,"value":3554},"Comment répartir ces 10 points jusqu'au 31 octobre 2026 ?",{"type":58,"tag":59,"props":3556,"children":3557},{},[3558,3560,3565],{"type":67,"value":3559},"Points 1 et 2 tout de suite, points 3 à 6 bouclés à J-30, le 1er octobre 2026, pour déposer une demande complète, points 7 à 10 après la réponse. La répartition détaillée, avec les pièces et les livrables de chaque étape et une semaine de réserve, figure dans notre ",{"type":58,"tag":140,"props":3561,"children":3562},{"href":503},[3563],{"type":67,"value":3564},"calendrier semaine par semaine",{"type":67,"value":393},{"type":58,"tag":118,"props":3567,"children":3569},{"id":3568},"que-se-passe-t-il-après-le-31-octobre-2026",[3570],{"type":67,"value":49},{"type":58,"tag":59,"props":3572,"children":3573},{},[3574,3576,3581,3583,3587,3589,3594],{"type":67,"value":3575},"Un organisme concerné sans attestation conforme transmise voit son accès à l'",{"type":58,"tag":70,"props":3577,"children":3578},{},[3579],{"type":67,"value":3580},"Avance Immédiate suspendu",{"type":67,"value":3582}," : ses clients avancent l'intégralité du coût de la prestation en attendant leur crédit d'impôt. Pour les premiers jours et la régularisation, voir ",{"type":58,"tag":140,"props":3584,"children":3585},{"href":479},[3586],{"type":67,"value":482},{"type":67,"value":3588}," ; les règles de suspension sont détaillées dans ",{"type":58,"tag":140,"props":3590,"children":3591},{"href":1020},[3592],{"type":67,"value":3593},"suspension et exclusion de l'Avance Immédiate",{"type":67,"value":393},{"type":58,"tag":59,"props":3596,"children":3597},{},[3598,3600,3605,3607,3612,3614,3619],{"type":67,"value":3599},"L'obligation continue ensuite de vivre : attestation ",{"type":58,"tag":70,"props":3601,"children":3602},{},[3603],{"type":67,"value":3604},"annuelle",{"type":67,"value":3606},", nouvelle transmission chaque année, attestation actualisée à chaque ",{"type":58,"tag":70,"props":3608,"children":3609},{},[3610],{"type":67,"value":3611},"dépassement de seuil",{"type":67,"value":3613},". Voir ",{"type":58,"tag":140,"props":3615,"children":3616},{"href":1756},[3617],{"type":67,"value":3618},"renouvellement et résiliation de la garantie financière SAP",{"type":67,"value":393},{"type":58,"tag":118,"props":3621,"children":3622},{"id":1817},[3623],{"type":67,"value":1820},{"type":58,"tag":125,"props":3625,"children":3626},{},[3627,3635,3642,3650,3658,3666,3674],{"type":58,"tag":129,"props":3628,"children":3629},{},[3630],{"type":58,"tag":140,"props":3631,"children":3632},{"href":2153},[3633],{"type":67,"value":3634},"Date limite de la garantie financière SAP et historique des reports",{"type":58,"tag":129,"props":3636,"children":3637},{},[3638],{"type":58,"tag":140,"props":3639,"children":3640},{"href":503},[3641],{"type":67,"value":590},{"type":58,"tag":129,"props":3643,"children":3644},{},[3645],{"type":58,"tag":140,"props":3646,"children":3647},{"href":1335},[3648],{"type":67,"value":3649},"Garantie financière SAP : la liste des pièces à fournir",{"type":58,"tag":129,"props":3651,"children":3652},{},[3653],{"type":58,"tag":140,"props":3654,"children":3655},{"href":3487},[3656],{"type":67,"value":3657},"Garantie financière SAP : refus et critères d'éligibilité",{"type":58,"tag":129,"props":3659,"children":3660},{},[3661],{"type":58,"tag":140,"props":3662,"children":3663},{"href":1380},[3664],{"type":67,"value":3665},"Obtenir et transmettre son attestation à l'Urssaf",{"type":58,"tag":129,"props":3667,"children":3668},{},[3669],{"type":58,"tag":140,"props":3670,"children":3671},{"href":629},[3672],{"type":67,"value":3673},"Garantie financière SAP : les nouveaux tarifs 2026",{"type":58,"tag":129,"props":3675,"children":3676},{},[3677],{"type":58,"tag":140,"props":3678,"children":3679},{"href":567},[3680],{"type":67,"value":3681},"Page produit et simulateur garantie financière services à la personne",{"type":58,"tag":118,"props":3683,"children":3684},{"id":637},[3685],{"type":67,"value":640},{"type":58,"tag":125,"props":3687,"children":3688},{},[3689,3699,3709,3718],{"type":58,"tag":129,"props":3690,"children":3691},{},[3692,3694],{"type":67,"value":3693},"Service Avance Immédiate, rubrique « La garantie financière » : « la date limite de dépôt de garantie est fixée au 31\u002F10\u002F2026 » — ",{"type":58,"tag":140,"props":3695,"children":3697},{"href":686,"rel":3696},[144],[3698],{"type":67,"value":690},{"type":58,"tag":129,"props":3700,"children":3701},{},[3702,3704],{"type":67,"value":3703},"Foire aux questions sur la garantie financière (Urssaf, PDF) — ",{"type":58,"tag":140,"props":3705,"children":3707},{"href":142,"rel":3706},[144],[3708],{"type":67,"value":654},{"type":58,"tag":129,"props":3710,"children":3711},{},[3712,3713],{"type":67,"value":659},{"type":58,"tag":140,"props":3714,"children":3716},{"href":662,"rel":3715},[144],[3717],{"type":67,"value":666},{"type":58,"tag":129,"props":3719,"children":3720},{},[3721,3722],{"type":67,"value":671},{"type":58,"tag":140,"props":3723,"children":3725},{"href":674,"rel":3724},[144],[3726],{"type":67,"value":678},{"type":58,"tag":59,"props":3728,"children":3729},{},[3730,3732,3737],{"type":67,"value":3731},"Presse spécialisée : report de la date limite au 31 octobre 2026, aladom.fr, 15 juillet 2026 (mis à jour le 4 août 2026) — ",{"type":58,"tag":140,"props":3733,"children":3735},{"href":709,"rel":3734},[144],[3736],{"type":67,"value":713},{"type":67,"value":393},{"type":58,"tag":738,"props":3739,"children":3742},{"cta-label":3740,"href":567,"product":741,"subtitle":1931,"title":3741},"Déposer ma demande","En règle avant le 31 octobre 2026",[],{"type":58,"tag":746,"props":3744,"children":3745},{},[],{"type":58,"tag":59,"props":3747,"children":3748},{},[3749],{"type":58,"tag":63,"props":3750,"children":3751},{},[3752],{"type":67,"value":3753},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique. La date du 31 octobre 2026 correspond à la date limite de dépôt de garantie publiée par l'Urssaf à la date de rédaction ; les éléments réglementaires (décret n°2024-1161, articles L.133-8-5 et D133-22 du Code de la sécurité sociale) sont susceptibles d'évoluer. Les tarifs indiqués sont ceux de la grille Tutassûr du 25 septembre 2026, indicatifs, hors fractionnement et définitifs après étude du dossier. Vérifiez les sources officielles Légifrance et Urssaf pour votre situation précise.",{"title":7,"searchDepth":758,"depth":758,"links":3755},[3756,3757,3758,3770,3771,3772,3773,3774,3775,3776,3777],{"id":120,"depth":761,"text":123},{"id":2142,"depth":761,"text":2145},{"id":2185,"depth":761,"text":2188,"children":3759},[3760,3761,3762,3763,3764,3765,3766,3767,3768,3769],{"id":2452,"depth":758,"text":2455},{"id":2538,"depth":758,"text":2541},{"id":2601,"depth":758,"text":2604},{"id":2662,"depth":758,"text":2665},{"id":2714,"depth":758,"text":2717},{"id":2789,"depth":758,"text":2792},{"id":2860,"depth":758,"text":2863},{"id":2963,"depth":758,"text":2966},{"id":3017,"depth":758,"text":3020},{"id":3070,"depth":758,"text":3073},{"id":3135,"depth":761,"text":1994},{"id":3382,"depth":761,"text":3385},{"id":3471,"depth":761,"text":3474},{"id":3494,"depth":761,"text":3497},{"id":3551,"depth":761,"text":3554},{"id":3568,"depth":761,"text":49},{"id":1817,"depth":761,"text":1820},{"id":637,"depth":761,"text":640},"content:blog:2026:garantie-financiere-sap-checklist-j-30-avant-31-octobre-2026.md","blog\u002F2026\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026.md","blog\u002F2026\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026",{"_path":3782,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":3783,"description":3784,"slug":3785,"publishedAt":12,"updatedAt":12,"author":3786,"cover":3788,"categories":3791,"tags":3793,"readingTime":3800,"featured":6,"status":34,"seo":3801,"faq":3807,"body":3826,"_type":769,"_id":5426,"_source":771,"_file":5427,"_stem":5428,"_extension":774},"\u002Fblog\u002F2026\u002Factivites-difficiles-a-assurer-risques-specifiques-pro","Activités difficiles à assurer : 24 risques spécifiques, motifs et pièces pour le courtier","Activités difficiles à assurer : 24 risques spécifiques écartés par les assureurs, motif du refus, branche en cause et pièces qui rendent le dossier présentable.","activites-difficiles-a-assurer-risques-specifiques-pro",{"name":14,"slug":15,"role":3787},"Courtier grossiste en assurance",{"src":3789,"alt":3790,"width":22,"height":23},"\u002Fblog\u002Factivites-difficiles-a-assurer-risques-specifiques-pro\u002Fcover.svg","Activités difficiles à assurer — Tutassûr",[3792],"conseils-courtiers",[3794,3795,3796,3797,3798,3799],"activités difficiles à assurer","risques spécifiques","RC exploitation","RC produits","multirisque incendie","déclaration du risque",10,{"ogImage":3789,"metaKeywords":3802},[3794,3803,3804,3805,3806],"métiers difficiles à assurer","liste des activités exclues par les assureurs","risques spécifiques assurance professionnelle","RC produits importateur",[3808,3811,3814,3817,3820,3823],{"question":3809,"answer":3810},"Qu'est-ce qu'une activité difficile à assurer ?","C'est une activité professionnelle que les assureurs refusent, ou n'acceptent qu'après étude, à cause de la nature du risque et non du passé de l'entreprise : incendie intense, dommages corporels graves, RC produits en série, exposition à l'étranger ou sinistres fréquents. Une entreprise sans aucun sinistre peut donc essuyer un refus. Le dossier devient présentable quand des pièces prouvent la maîtrise concrète du risque.",{"question":3812,"answer":3813},"Quelles pièces rendent présentable une entreprise de sécurité privée ?","L'autorisation d'exercice de l'entreprise, l'agrément du dirigeant et les cartes professionnelles des agents, délivrés par le CNAPS ; la liste des sites et la nature des missions (gardiennage, surveillance, cynophile) ; les contrats clients qui précisent les responsabilités de chacun. L'article L. 612-5 du Code de la sécurité intérieure impose en outre de justifier d'une assurance de responsabilité professionnelle avant de démarrer.",{"question":3815,"answer":3816},"Pourquoi un importateur est-il assuré comme un fabricant ?","Parce que l'article 1245-5 du Code civil assimile au producteur toute personne qui, à titre professionnel, importe un produit dans l'Union européenne pour le distribuer, ou appose son nom ou sa marque sur le produit. La victime d'un produit défectueux peut donc agir contre l'importateur. L'assureur RC produits veut voir les certificats de conformité, les contrats fournisseurs et la traçabilité des lots.",{"question":3818,"answer":3819},"Quelle différence entre une exclusion de garantie et une exclusion d'activité ?","Une exclusion de garantie retire un événement ou un bien du contrat, par exemple les biens confiés : le reste de l'activité reste couvert, et le courtier signale cette limite au client. Une exclusion d'activité sort un métier entier du champ du contrat : aucun sinistre lié à ce métier n'est couvert, et il faut un autre contrat ou une extension écrite de l'assureur.",{"question":3821,"answer":3822},"Une activité exercée hors de France est-elle couverte par le contrat d'origine ?","Pas nécessairement : la territorialité est fixée par le contrat. Les ventes vers les États-Unis ou le Canada peuvent être exclues ou sous-limitées, tout comme les prestations réalisées sur place. Le courtier déclare le chiffre d'affaires par pays, la nature et la durée des missions, puis vérifie que l'extension territoriale figure par écrit aux conditions particulières.",{"question":3824,"answer":3825},"Pour quelles garanties présenter une activité difficile à assurer à Tutassûr ?","Tutassûr, courtier grossiste (ORIAS n° 22001730) et non assureur, propose en gamme professionnelle la RC Pro, la RC décennale, la multirisque professionnelle, la flotte, la protection juridique pro, les marchandises transportées et le dommage ouvrage ; la RC Pro et la multirisque ont une demande de devis en ligne. Une activité rare est étudiée sur dossier complet ; aucune n'est acceptée d'avance.",{"type":55,"children":3827,"toc":5414},[3828,3836,3848,3852,3924,3930,3989,4001,4006,4012,4017,4069,4081,4134,4140,4145,4774,4796,4802,4873,4879,4884,4937,4982,4994,5000,5091,5103,5109,5114,5208,5212,5276,5280,5288,5294],{"type":58,"tag":59,"props":3829,"children":3830},{},[3831],{"type":58,"tag":63,"props":3832,"children":3833},{},[3834],{"type":67,"value":3835},"Article rédigé le 26 septembre 2026 pour les courtiers de proximité qui cherchent où placer l'activité d'un client professionnel écartée par les assureurs. Textes cités dans leur version en vigueur à cette date, sur Légifrance.",{"type":58,"tag":59,"props":3837,"children":3838},{},[3839,3841,3846],{"type":67,"value":3840},"Une ",{"type":58,"tag":70,"props":3842,"children":3843},{},[3844],{"type":67,"value":3845},"activité difficile à assurer",{"type":67,"value":3847}," est une activité professionnelle que les assureurs refusent, ou n'acceptent qu'après étude, à cause de la nature du risque : incendie intense, dommages corporels graves, RC produits en série, exposition à l'étranger ou fréquence des sinistres. Le passé de l'entreprise n'y est pour rien ; les pièces prouvant la maîtrise du risque rendent le dossier présentable.",{"type":58,"tag":118,"props":3849,"children":3850},{"id":120},[3851],{"type":67,"value":123},{"type":58,"tag":125,"props":3853,"children":3854},{},[3855,3874,3908,3919],{"type":58,"tag":129,"props":3856,"children":3857},{},[3858,3860,3865,3867,3872],{"type":67,"value":3859},"Un refus lié à l'",{"type":58,"tag":70,"props":3861,"children":3862},{},[3863],{"type":67,"value":3864},"activité",{"type":67,"value":3866}," ne se traite pas comme un refus lié aux ",{"type":58,"tag":70,"props":3868,"children":3869},{},[3870],{"type":67,"value":3871},"antécédents",{"type":67,"value":3873}," : on ne justifie pas un passé, on démontre une maîtrise.",{"type":58,"tag":129,"props":3875,"children":3876},{},[3877,3879,3884,3885,3890,3891,3895,3896,3901,3902,3907],{"type":67,"value":3878},"Cinq motifs reviennent dans les refus : ",{"type":58,"tag":70,"props":3880,"children":3881},{},[3882],{"type":67,"value":3883},"intensité incendie",{"type":67,"value":3509},{"type":58,"tag":70,"props":3886,"children":3887},{},[3888],{"type":67,"value":3889},"gravité corporelle",{"type":67,"value":3509},{"type":58,"tag":70,"props":3892,"children":3893},{},[3894],{"type":67,"value":3797},{"type":67,"value":3509},{"type":58,"tag":70,"props":3897,"children":3898},{},[3899],{"type":67,"value":3900},"exposition à l'étranger",{"type":67,"value":3509},{"type":58,"tag":70,"props":3903,"children":3904},{},[3905],{"type":67,"value":3906},"fréquence",{"type":67,"value":393},{"type":58,"tag":129,"props":3909,"children":3910},{},[3911,3912,3917],{"type":67,"value":154},{"type":58,"tag":70,"props":3913,"children":3914},{},[3915],{"type":67,"value":3916},"Bureau central de tarification (BCT)",{"type":67,"value":3918}," compte cinq formations, qui couvrent six régimes : la plupart des activités de ce catalogue n'y ont pas accès, même quand leur assurance est obligatoire ; la RC circulation des quads fait exception.",{"type":58,"tag":129,"props":3920,"children":3921},{},[3922],{"type":67,"value":3923},"Le libellé retenu par l'assureur doit correspondre à l'activité réelle, geste compris (articles L. 113-2, L. 113-8 et L. 113-9 du Code des assurances).",{"type":58,"tag":118,"props":3925,"children":3927},{"id":3926},"risque-spécifique-aggravé-ou-complexe-de-quoi-parle-t-on",[3928],{"type":67,"value":3929},"Risque spécifique, aggravé ou complexe : de quoi parle-t-on ?",{"type":58,"tag":125,"props":3931,"children":3932},{},[3933,3950,3973],{"type":58,"tag":129,"props":3934,"children":3935},{},[3936,3941,3943,3948],{"type":58,"tag":70,"props":3937,"children":3938},{},[3939],{"type":67,"value":3940},"Risque spécifique",{"type":67,"value":3942}," : la difficulté tient à la ",{"type":58,"tag":70,"props":3944,"children":3945},{},[3946],{"type":67,"value":3947},"nature de l'activité",{"type":67,"value":3949},". Une entreprise de gardiennage créée hier, sans aucun sinistre, reste difficile à placer. C'est l'objet de cet article.",{"type":58,"tag":129,"props":3951,"children":3952},{},[3953,3958,3960,3964,3966,3972],{"type":58,"tag":70,"props":3954,"children":3955},{},[3956],{"type":67,"value":3957},"Risque aggravé",{"type":67,"value":3959}," : la difficulté tient aux ",{"type":58,"tag":70,"props":3961,"children":3962},{},[3963],{"type":67,"value":3871},{"type":67,"value":3965}," de l'assuré (résiliation, sinistralité, malus), détaillés dans ",{"type":58,"tag":140,"props":3967,"children":3969},{"href":3968},"\u002Fblog\u002Frisques-aggraves-par-branche-assurance-profils",[3970],{"type":67,"value":3971},"les risques aggravés par branche d'assurance",{"type":67,"value":393},{"type":58,"tag":129,"props":3974,"children":3975},{},[3976,3981,3982,3987],{"type":58,"tag":70,"props":3977,"children":3978},{},[3979],{"type":67,"value":3980},"Risque complexe",{"type":67,"value":3942},{"type":58,"tag":70,"props":3983,"children":3984},{},[3985],{"type":67,"value":3986},"configuration",{"type":67,"value":3988}," du dossier (activité rare, montant élevé, historique particulier), qui sort des grilles standard.",{"type":58,"tag":59,"props":3990,"children":3991},{},[3992,3994,4000],{"type":67,"value":3993},"Dans le vocabulaire de Tutassûr, une activité rare relève des risques complexes : cet article en dresse le catalogue par activité, la procédure d'étude est décrite dans ",{"type":58,"tag":140,"props":3995,"children":3997},{"href":3996},"\u002Fblog\u002Frisque-complexe-assurance-comment-tutassur-etudie",[3998],{"type":67,"value":3999},"risque complexe en assurance",{"type":67,"value":393},{"type":58,"tag":59,"props":4002,"children":4003},{},[4004],{"type":67,"value":4005},"Un client peut cumuler : un recycleur résilié après un incendie est spécifique et aggravé. 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