{"id":10241,"date":"2023-03-23T08:18:41","date_gmt":"2023-03-23T13:18:41","guid":{"rendered":"https:\/\/accordfinancial.com\/?p=10241"},"modified":"2025-01-06T13:53:52","modified_gmt":"2025-01-06T19:53:52","slug":"accord-financial-annonce-ses-resultats-financiers-du-quatrieme-trimestre-et-de-lexercice-2022","status":"publish","type":"post","link":"https:\/\/accordfinancial.com\/fr\/latest\/2023\/03\/accord-financial-announces-fourth-quarter-and-fiscal-2022-financial-result\/","title":{"rendered":"Accord Financial annonce ses r\u00e9sultats financiers du quatri\u00e8me trimestre et de l&#039;exercice 2022"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Sommaire des r\u00e9sultats financiers<\/h2>\n\n\n<section id=\"financial-results-641c4c964fb4f\" class=\"block block--acf financial-results\"><div class=\"inner\"><table class=\"table table--striped\"><thead><tr><th><\/th><th colspan=\"2\">Trois mois<br \/>\r\nTermin\u00e9 le 31 d\u00e9cembre<\/th><th colspan=\"2\">Ann\u00e9e termin\u00e9e<br \/>\r\n31 d\u00e9cembre<\/th><\/tr><tr><th><\/th><th>2022<\/th><th>2021<\/th><th>2022<\/th><th>2021<\/th><\/tr><tr><th><\/th><th>CA$<\/th><th>CA$<\/th><th>CA$<\/th><th>CA$<\/th><\/tr><\/thead><tbody><tr><td>Moyenne des ressources engag\u00e9es (en millions)<\/td><td>443<\/td><td>460<\/td><td>450<\/td><td>402<\/td><\/tr><tr><td>Produits (en milliers)<\/td><td>18,371<\/td><td>18,465<\/td><td>67,491<\/td><td>63,480<\/td><\/tr><tr><td>B\u00e9n\u00e9fice d&#039;exploitation avant provision (en milliers)<\/td><td>2,700*<\/td><td>4,593<\/td><td>12,821*<\/td><td>14,335<\/td><\/tr><tr><td>Provision pour pertes sur cr\u00e9ances et sur pr\u00eats (en milliers)<\/td><td>3,122<\/td><td>(274)<\/td><td>8,293<\/td><td>(614)<\/td><\/tr><tr><td>D\u00e9pr\u00e9ciation du goodwill (en milliers)<\/td><td>1,883<\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>(Perte) b\u00e9n\u00e9fice avant imp\u00f4t sur le revenu (en milliers)<\/td><td>(2,305)<\/td><td>4,867<\/td><td>2,646<\/td><td>14,949<\/td><\/tr><tr><td>(Perte) b\u00e9n\u00e9fice net attribuable aux actionnaires (en milliers)<\/td><td>(3,664)<\/td><td>3,573<\/td><td>1,427<\/td><td>11,887<\/td><\/tr><tr><td>B\u00e9n\u00e9fice (perte) par action ordinaire (de base et dilu\u00e9)<\/td><td>(0.43)<\/td><td>0.42<\/td><td>0.17<\/td><td>1.39<\/td><\/tr><tr><td>Valeur comptable par action (au 31 d\u00e9cembre)<\/td><td><\/td><td><\/td><td>$11.80<\/td><td>$11.68<\/td><\/tr><tr><td>*Avant d\u00e9pr\u00e9ciation des \u00e9carts d&#039;acquisition<\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table><\/div><\/section>\n\n\n<p>Les performances de la soci\u00e9t\u00e9 au quatri\u00e8me trimestre et pour l&#039;exercice 2022 ont refl\u00e9t\u00e9 un environnement commercial difficile, car l&#039;inflation et la hausse des taux d&#039;int\u00e9r\u00eat ont cr\u00e9\u00e9 des vents contraires pour les petites et moyennes entreprises, qui constituent le c\u0153ur des march\u00e9s cibles d&#039;Accord. Dans ce contexte, l&#039;approche prudente de la Soci\u00e9t\u00e9 en mati\u00e8re d&#039;ajout de nouvelles affaires a ralenti la croissance du portefeuille, et un environnement de cr\u00e9dit plus difficile a entra\u00een\u00e9 une augmentation de la provision pour pertes sur cr\u00e9ances et sur pr\u00eats.<\/p>\n\n\n\n<p>Bien que le b\u00e9n\u00e9fice net ait \u00e9t\u00e9 touch\u00e9 par plusieurs \u00e9l\u00e9ments hors tr\u00e9sorerie, les principaux param\u00e8tres d&#039;exploitation sont demeur\u00e9s stables. Les fonds moyens employ\u00e9s au quatri\u00e8me trimestre ont l\u00e9g\u00e8rement diminu\u00e9 d&#039;une ann\u00e9e sur l&#039;autre \u00e0 $443 millions, et ont atteint en moyenne $450 millions pour l&#039;ensemble de l&#039;ann\u00e9e, en hausse de 12% par rapport \u00e0 2021. Le total des fonds employ\u00e9s au 31 d\u00e9cembre 2022 \u00e9tait de $453 millions. Le chiffre d&#039;affaires du quatri\u00e8me trimestre est rest\u00e9 stable \u00e0 $18 371 000 contre $18 465 000 au quatri\u00e8me trimestre 2021, tandis que le chiffre d&#039;affaires de l&#039;ann\u00e9e enti\u00e8re a augment\u00e9 de 6% pour atteindre un record de $67 491 000 contre $63 480 000 l&#039;ann\u00e9e derni\u00e8re. La valeur comptable par action ordinaire est pass\u00e9e \u00e0 $11,80 \u00e0 la fin de l&#039;ann\u00e9e, contre $11,68 au d\u00e9but de l&#039;ann\u00e9e.<\/p>\n\n\n\n<p>Commentant les r\u00e9sultats financiers, le pr\u00e9sident et chef de la direction de la soci\u00e9t\u00e9, M. Simon Hitzig, a d\u00e9clar\u00e9 : \u00ab 2022 a \u00e9t\u00e9 une ann\u00e9e difficile, cependant, la solidit\u00e9 et la stabilit\u00e9 financi\u00e8res d&#039;Accord ont permis \u00e0 nos clients de traverser la temp\u00eate et de se positionner pour la croissance \u00e0 venir. M. Hitzig a ajout\u00e9 : \u00ab L&#039;incertitude \u00e9conomique conduit souvent les grandes banques \u00e0 restreindre leur app\u00e9tit pour les pr\u00eats, ce qui offre des opportunit\u00e9s \u00e0 Accord - nous sommes bien plac\u00e9s pour performer dans cet environnement.<\/p>\n\n\n\n<p>Le b\u00e9n\u00e9fice net de la Soci\u00e9t\u00e9 en 2022 a \u00e9t\u00e9 entrav\u00e9 par une provision pour pertes sur cr\u00e9ances et sur pr\u00eats de $8,3 millions, contre un recouvrement net de $614 000 en 2021, refl\u00e9tant les vents contraires \u00e9conomiques et leur impact sur certaines activit\u00e9s du portefeuille. La Soci\u00e9t\u00e9 continue de comptabiliser au bilan une saine provision pour pertes attendues : $8,2 millions au 31 d\u00e9cembre 2022 contre $5,3 millions un an plus t\u00f4t. La provision et la provision de fin d&#039;ann\u00e9e sont soutenues par le processus complet de la Soci\u00e9t\u00e9, int\u00e9grant des pr\u00e9visions \u00e9conomiques de tiers, une \u00e9valuation quantitative de chaque emprunteur et un jugement d&#039;expert affin\u00e9 sur plusieurs cycles \u00e9conomiques. En outre, les conditions de march\u00e9 en \u00e9volution rapide et les pr\u00e9visions \u00e0 court terme incertaines ont conduit \u00e0 la d\u00e9cision de comptabiliser une d\u00e9pr\u00e9ciation du goodwill, refl\u00e9t\u00e9e comme une charge hors tr\u00e9sorerie de $1 883 000 au quatri\u00e8me trimestre.<\/p>\n\n\n\n<p>Affect\u00e9 par la provision pour pertes et la charge d&#039;\u00e9cart d&#039;acquisition hors tr\u00e9sorerie, le b\u00e9n\u00e9fice net attribuable aux actionnaires est pass\u00e9 \u00e0 une perte de $3 664 000 au quatri\u00e8me trimestre, entra\u00eenant une perte par action de 43 cents. Le b\u00e9n\u00e9fice net pour l&#039;exercice complet \u00e9tait de $1 427 000, ou 17 cents par action ordinaire.<\/p>\n\n\n\n<p>Pour l&#039;avenir, M. Hitzig a ajout\u00e9 : \u00ab Le pipeline croissant de nouvelles affaires et la solide provision pour les pertes sur pr\u00eats attendues pr\u00e9parent le terrain pour une ann\u00e9e 2023 plus solide. Alors que l&#039;environnement des affaires prend pied, nous sommes bien plac\u00e9s pour acc\u00e9l\u00e9rer la croissance et des b\u00e9n\u00e9fices pour nos investisseurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c0 propos de Financi\u00e8re Accord Corp.<\/h2>\n\n\n\n<p>Accord Financial est la soci\u00e9t\u00e9 de financement commercial la plus dynamique d'Am\u00e9rique du Nord, offrant des solutions de financement rapides et polyvalentes aux entreprises en transition, notamment l'affacturage, le financement des stocks, la location d'\u00e9quipement, financement de l'inventaire, financement du commerce et le financement des films et des m\u00e9dias. En tirant parti de notre combinaison unique de solidit\u00e9 financi\u00e8re, d'exp\u00e9rience approfondie et de pens\u00e9e ind\u00e9pendante, nous concevons des solutions financi\u00e8res gagnantes pour les petites et moyennes entreprises, simplement livr\u00e9es, afin que nos clients puissent prosp\u00e9rer. Depuis 45 ans, Accord aide les entreprises \u00e0 g\u00e9rer leurs flux de tr\u00e9sorerie et \u00e0 maximiser les opportunit\u00e9s financi\u00e8res.<\/p>\n\n\n\n<p><strong>Visitez le www.accordfinancial.com ou communiquez avec :<\/strong><\/p>\n\n\n\n<p>Irene Eddy<br>Vice-Pr\u00e9sidente principale, directrice financi\u00e8re<br>Accord Financial Corp.<br>40, avenue Eglinton Est, bureau 602<br>Toronto (Ontario) M4P 3A2<br><a href=\"tel:14169610304\">(416) 961-0304<br><\/a><a href=\"mailto:ieddy@accordfinancial.com\">ieddy@accordfinancial.com<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Remarque : Mesures non conformes aux IFRS<\/h2>\n\n\n\n<p>Les \u00e9tats financiers de la Soci\u00e9t\u00e9 ont \u00e9t\u00e9 pr\u00e9par\u00e9s en conformit\u00e9 avec les IFRS. La Soci\u00e9t\u00e9 utilise diverses autres mesures financi\u00e8res pour surveiller son rendement; elle est d'avis que ces mesures peuvent \u00eatre utiles aux investisseurs d\u00e9sireux d'\u00e9valuer le rendement op\u00e9rationnel de la Soci\u00e9t\u00e9 et sa situation financi\u00e8re. Ces mesures peuvent ne pas avoir de d\u00e9finitions ou de m\u00e9thodes de calcul normalis\u00e9es aux termes des IFRS pour assurer l'uniformit\u00e9 entre les soci\u00e9t\u00e9s utilisant ces mesures; elles sont donc consid\u00e9r\u00e9es comme des mesures non conformes aux IFRS. Les mesures non conformes aux IFRS qui sont utilis\u00e9es dans le pr\u00e9sent communiqu\u00e9 sont les suivantes :<\/p>\n\n\n\n<p>1) R\u00e9sultat d&#039;exploitation avant provision : la Soci\u00e9t\u00e9 tire cette mesure des montants pr\u00e9sent\u00e9s dans ses \u00e9tats financiers pr\u00e9par\u00e9s selon les IFRS. Le b\u00e9n\u00e9fice d&#039;exploitation est le b\u00e9n\u00e9fice avant imp\u00f4t sur le revenu, en ajoutant la provision pour pertes sur cr\u00e9ances et sur pr\u00eats.<\/p>\n\n\n\n<p>2) Valeur comptable par action : la valeur comptable correspond aux capitaux propres et correspond \u00e0 la valeur nette d&#039;inventaire (calcul\u00e9e comme le total des actifs moins le total des passifs) de la Soci\u00e9t\u00e9 moins les participations ne donnant pas le contr\u00f4le. La valeur comptable par action est la valeur comptable divis\u00e9e par le nombre d&#039;actions ordinaires en circulation \u00e0 une date donn\u00e9e.<\/p>\n\n\n\n<p>3) Les ressources engag\u00e9es sont les effets financiers \u00e0 recevoir et les pr\u00eats de la Soci\u00e9t\u00e9, soit une mesure IFRS. La moyenne des ressources engag\u00e9es est la moyenne des effets financiers \u00e0 recevoir et des pr\u00eats, calcul\u00e9s pour une p\u00e9riode donn\u00e9e.<\/p>","protected":false},"excerpt":{"rendered":"<p>Accord Financial Corp. (TSX - ACD) a publi\u00e9 aujourd&#039;hui ses r\u00e9sultats financiers pour le quatri\u00e8me trimestre et l&#039;exercice clos le 31 d\u00e9cembre 2022. Les chiffres financiers pr\u00e9sent\u00e9s dans ce communiqu\u00e9 sont exprim\u00e9s en dollars canadiens et ont \u00e9t\u00e9 pr\u00e9par\u00e9s conform\u00e9ment aux Normes internationales d&#039;information financi\u00e8re.<\/p>","protected":false},"author":9,"featured_media":3758,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[139],"tags":[],"location":[8],"class_list":["post-10241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases","location-toronto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>03\/23\/2023 | Accord Financial Announces Fourth Quarter and Fiscal 2022 Financial Results | Accord Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/accordfinancial.com\/fr\/dernier\/2023\/03\/accord-financial-annonce-ses-resultats-financiers-du-quatrieme-trimestre-et-de-lexercice-2022\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"03\/23\/2023 | Accord Financial Announces Fourth Quarter and Fiscal 2022 Financial Results | Accord Financial\" \/>\n<meta property=\"og:description\" content=\"Accord Financial Corp. (TSX \u2013 ACD) today released its financial results for the fourth quarter and year ended December 31, 2022. 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(TSX \u2013 ACD) today released its financial results for the fourth quarter and year ended December 31, 2022. 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