{"id":16836,"date":"2026-04-01T13:41:29","date_gmt":"2026-04-01T18:41:29","guid":{"rendered":"http:\/\/accordfinancial.com\/?p=16836"},"modified":"2026-04-01T13:41:31","modified_gmt":"2026-04-01T18:41:31","slug":"accord-financial-annonce-ses-resultats-financiers-du-quatrieme-trimestre-et-de-lexercice-2025-ainsi-quune-modification-de-son-accord-bancaire","status":"publish","type":"post","link":"https:\/\/accordfinancial.com\/fr\/accord-financial-announces-fourth-quarter-and-fiscal-2025-financial-results-and-amendment-to-its-banking-facility\/","title":{"rendered":"Accord Financial annonce ses r\u00e9sultats financiers du quatri\u00e8me trimestre et de l'exercice 2025, ainsi qu'une modification de sa facilit\u00e9 bancaire."},"content":{"rendered":"

Sommaire des r\u00e9sultats financiers<\/h2>\n\n\n\n
\n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
<\/th>\n Trois mois termin\u00e9s
31 d\u00e9cembre<\/th>\n 		Ann\u00e9e termin\u00e9e
31 d\u00e9cembre<\/th>\n <\/tr>\n
<\/th>\n 2025<\/th>\n 2024<\/th>\n 2025<\/th>\n 2024<\/th>\n <\/tr>\n
<\/th>\n $<\/th>\n $<\/th>\n $<\/th>\n $<\/th>\n <\/tr>\n \n <\/thead>\n
Moyenne des fonds employ\u00e9s (en millions)<\/td>\n 385<\/td>\n 377<\/td>\n 392<\/td>\n 423<\/td>\n <\/tr>\n
Recettes (en milliers)<\/td>\n 14,429<\/td>\n 21,220<\/td>\n 61,898<\/td>\n 83,056<\/td>\n <\/tr>\n
Perte nette attribuable aux actionnaires (en milliers)<\/td>\n (25,326)<\/td>\n (1,848)<\/td>\n (29,969)<\/td>\n (3,139)<\/td>\n <\/tr>\n
Perte nette ajust\u00e9e (en milliers) (note)<\/td>\n (11,917)<\/td>\n (791)<\/td>\n (15,774)<\/td>\n (1,353)<\/td>\n <\/tr>\n
Perte par action ordinaire (de base et dilu\u00e9e)<\/td>\n (2.96)<\/td>\n (0.22)<\/td>\n (3.50)<\/td>\n (0.37)<\/td>\n <\/tr>\n
Perte ajust\u00e9e par action ordinaire (de base et dilu\u00e9e)<\/td>\n (1.39)<\/td>\n (0.09)<\/td>\n (1.84)<\/td>\n (0.16)<\/td>\n <\/tr>\n <\/tbody>\n
<\/th>\n <\/tr>\n
\n Valeur comptable par action (au 31 d\u00e9cembre)\n <\/th>\n $ 5.96\n <\/th>\n $ 9.44\n <\/th>\n <\/tr>\n <\/tfoot>\n <\/table>\n <\/div>\n<\/section>\n\n\n\n

Deux \u00e9l\u00e9ments importants ont contribu\u00e9 \u00e0 la perte enregistr\u00e9e en fin d'exercice. Premi\u00e8rement, anticipant le retrait imminent d'Accord du march\u00e9 am\u00e9ricain, la Soci\u00e9t\u00e9 a pass\u00e9 en pertes et profits ses actifs d'imp\u00f4t diff\u00e9r\u00e9 am\u00e9ricains. Deuxi\u00e8mement, la Soci\u00e9t\u00e9 a comptabilis\u00e9 une provision pour pertes sur cr\u00e9ances de 15 millions de dollars au quatri\u00e8me trimestre, portant ainsi la provision pour pertes sur cr\u00e9ances attendues \u00e0 19 millions de dollars. Le pr\u00e9sident-directeur g\u00e9n\u00e9ral de la Soci\u00e9t\u00e9, M. Simon Hitzig, a d\u00e9clar\u00e9\u00a0: \u201c\u00a0Tout au long de 2025 et jusqu'en 2026, Accord s'est concentr\u00e9e sur le remboursement de sa dette et la simplification de ses activit\u00e9s. La r\u00e9ussite des cessions d'actifs aux \u00c9tats-Unis a entra\u00een\u00e9 la d\u00e9pr\u00e9ciation des actifs fiscaux am\u00e9ricains. Enfin, l'importante provision pour pertes sur cr\u00e9ances a accentu\u00e9 la perte.\u00a0\u201d La combinaison de ces facteurs, ainsi que les pertes d'exploitation, a ramen\u00e9 la valeur comptable par action ordinaire \u00e0 5,96\u00a0dollars en fin d'exercice.<\/p>\n\n\n\n

La Soci\u00e9t\u00e9 devait faire face \u00e0 l'\u00e9ch\u00e9ance de sa facilit\u00e9 de cr\u00e9dit senior garantie (la \u201c Facilit\u00e9 bancaire \u201d) et de ses obligations non garanties \u00e0 vue et \u00e0 terme (les \u201c Obligations \u201d) en juillet 2025, ainsi qu'\u00e0 l'\u00e9ch\u00e9ance imminente de ses obligations cot\u00e9es et non cot\u00e9es (les \u201c Obligations \u201d) en janvier 2026. \u00c0 compter du 15 ao\u00fbt 2025, la Soci\u00e9t\u00e9 a annonc\u00e9 une s\u00e9rie de modifications \u00e0 court terme de sa Facilit\u00e9 bancaire et de ses Obligations et annonce aujourd'hui de nouvelles modifications prolongeant l'\u00e9ch\u00e9ance de la Facilit\u00e9 bancaire jusqu'au 15 mai 2026 et celle des Obligations jusqu'au 22 mai 2026. Outre la prolongation de la date d'\u00e9ch\u00e9ance, la modification de la Facilit\u00e9 bancaire r\u00e9duit l'engagement total \u00e0 1\u00a0040\u00a0109 millions de yuans et int\u00e8gre des \u00e9tapes relatives au refinancement de la dette de la Soci\u00e9t\u00e9. La soci\u00e9t\u00e9 a \u00e9galement annonc\u00e9 que le 27 janvier 2026, les d\u00e9tenteurs d'obligations ont approuv\u00e9 des modifications, notamment une prolongation de la date d'\u00e9ch\u00e9ance jusqu'au 31 juillet 2026. \u201c Ces prolongations offrent un d\u00e9lai suppl\u00e9mentaire pour rembourser ou refinancer la dette de la soci\u00e9t\u00e9 \u201d, a indiqu\u00e9 M. Hitzig.<\/p>\n\n\n\n

Au quatri\u00e8me trimestre 2025, la ligne de cr\u00e9dit bancaire de la Soci\u00e9t\u00e9 a diminu\u00e9 de 39,8 millions de dollars ($), cl\u00f4turant l'ann\u00e9e \u00e0 148,2 millions de dollars ($). \u00c0 la fin de l'ann\u00e9e, l'encours des obligations s'\u00e9levait \u00e0 17,5 millions de dollars ($) et celui des d\u00e9bentures \u00e0 27,0 millions de dollars ($). Au premier trimestre 2026, Accord a men\u00e9 \u00e0 bien plusieurs initiatives visant \u00e0 se retirer du march\u00e9 am\u00e9ricain\u00a0; le 10 f\u00e9vrier, la Soci\u00e9t\u00e9 a annonc\u00e9 la vente de sa participation de 601\u00a0030\u00a0000\u00a0$ (60%) dans BondIt Media Capital, et le 13 mars, la vente de certains actifs de son portefeuille am\u00e9ricain. Ces transactions, conjugu\u00e9es \u00e0 une s\u00e9rie de cessions et de remboursements de pr\u00eats effectu\u00e9s depuis le 31 d\u00e9cembre 2025, ont ramen\u00e9 l'encours de la ligne de cr\u00e9dit bancaire \u00e0 72,6 millions de dollars ($) au 27 mars 2026.<\/p>\n\n\n\n

M. Hitzig a ajout\u00e9\u00a0: \u201c\u00a0Ces initiatives visaient \u00e0 r\u00e9duire la dette bancaire et \u00e0 simplifier les op\u00e9rations. Accord se concentre d\u00e9sormais enti\u00e8rement sur les pr\u00eats aux petites entreprises au Canada\u00a0: un seul pays, un seul march\u00e9 cible, une seule \u00e9quipe. Bien que les probl\u00e8mes de bilan doivent \u00eatre r\u00e9solus, Accord 2.0 est bien positionn\u00e9e gr\u00e2ce \u00e0 une gamme exceptionnelle de produits pour servir le march\u00e9 que nous connaissons le mieux.\u00a0\u201c <\/p>\n\n\n\n

Au cours de l'exercice, la Soci\u00e9t\u00e9 a pris des mesures pour r\u00e9duire ses frais g\u00e9n\u00e9raux, le chiffre d'affaires ayant diminu\u00e9 en raison de la r\u00e9duction du portefeuille de pr\u00eats. Les frais g\u00e9n\u00e9raux et administratifs de l'exercice se sont \u00e9lev\u00e9s \u00e0 104\u00a0000\u00a0$ (30,1 millions de dollars) contre 104\u00a0000\u00a0$ (33,3 millions de dollars) en 2024. Ce montant de 2025 inclut 104\u00a0000\u00a0$ (3,1 millions de dollars) d'honoraires professionnels, principalement li\u00e9s \u00e0 la gestion et \u00e0 la planification du remboursement de la dette de la Soci\u00e9t\u00e9. Bien que ces d\u00e9penses exceptionnelles aient pes\u00e9 lourdement sur les r\u00e9sultats, elles diminueront lorsque la Soci\u00e9t\u00e9 refinancera sa dette.<\/p>\n\n\n\n

M. Hitzig a ajout\u00e9\u00a0: \u201c\u00a0En simplifiant nos activit\u00e9s, nous souhaitons faciliter le refinancement de l\u2019int\u00e9gralit\u00e9 de la dette d\u2019Accord. Nous poursuivons notre collaboration avec nos conseillers financiers \u00e0 cet \u00e9gard. Bien que des mesures concr\u00e8tes aient \u00e9t\u00e9 prises et que nos cr\u00e9anciers nous aient accord\u00e9 des d\u00e9lais suppl\u00e9mentaires, rien ne garantit que ces actions permettront de rembourser int\u00e9gralement notre dette \u00e0 \u00e9ch\u00e9ance, ni que nos cr\u00e9anciers continueront d\u2019accorder ces d\u00e9lais, ce qui nous permettra de poursuivre nos activit\u00e9s.\u00a0\u201d<\/p>\n\n\n\n

\u00c0 propos d'Accord Financial Corp.<\/strong><\/h2>\n\n\n\n

Accord Financial est l'une des soci\u00e9t\u00e9s de financement commercial les plus dynamiques du Canada. Elle offre des solutions de financement rapides et polyvalentes, notamment le pr\u00eat sur actifs, l'affacturage, le financement de stocks, les pr\u00eats de fonds de roulement et le financement d'\u00e9quipement. Gr\u00e2ce \u00e0 notre combinaison unique d'expertise et d'approche ind\u00e9pendante, nous \u00e9laborons des solutions financi\u00e8res performantes pour les PME, simples et accessibles, afin de favoriser leur croissance.<\/p>\n\n\n\n

Contacts\n<\/br>\nPour de plus amples renseignements, veuillez visiter www.accordfinancial.com<\/a> ou contactez:<\/strong><\/p>\n\n\n\n

Irene Eddy<\/strong>
Vice-Pr\u00e9sidente principale, directrice financi\u00e8re
Accord Financial Corp.
40, avenue Eglinton Est, bureau 602
Toronto (Ontario) M4P 3A2
(416) 961-0304<\/a>
ieddy@accordfinancial.com<\/a><\/p>\n\n\n\n

\n\n\n\n

Remarque : mesures non NIIF<\/strong><\/p>\n\n\n\n

Les \u00e9tats financiers de la Soci\u00e9t\u00e9 ont \u00e9t\u00e9 pr\u00e9par\u00e9s conform\u00e9ment aux NIIF. La soci\u00e9t\u00e9 utilise d\u2019autres mesures financi\u00e8res pour surveiller sa performance et estime que ces mesures peuvent \u00eatre utiles aux investisseurs pour \u00e9valuer le rendement d'exploitation et la situation financi\u00e8re de la soci\u00e9t\u00e9. Ces mesures peuvent ne pas avoir de significations ou de calculs normalis\u00e9s tels que prescrits par les NIIF qui assureraient la coh\u00e9rence entre les entreprises qui utilisent ces mesures et sont donc consid\u00e9r\u00e9es comme des mesures non conformes aux NIIF. Les mesures non NIIF pr\u00e9sent\u00e9es dans le pr\u00e9sent communiqu\u00e9 de presse sont les suivantes :<\/p>\n\n\n\n

    \n
  1. R\u00e9sultat net ajust\u00e9, perte nette ajust\u00e9e et BPA\/LPS ajust\u00e9. La Soci\u00e9t\u00e9 calcule ces indicateurs \u00e0 partir des montants pr\u00e9sent\u00e9s dans ses \u00e9tats financiers \u00e9tablis selon les normes IFRS. Le r\u00e9sultat net ajust\u00e9 (perte) comprend le r\u00e9sultat net des actionnaires avant prise en compte du gain sur la vente d'AEF, de la radiation des actifs d'imp\u00f4t diff\u00e9r\u00e9, des honoraires professionnels li\u00e9s aux n\u00e9gociations bancaires, de la r\u00e9mun\u00e9ration en actions et des frais de restructuration, ainsi que de l'incidence fiscale des ajustements. Le BPA\/LPS ajust\u00e9 (de base et dilu\u00e9) est le r\u00e9sultat net ajust\u00e9 (perte) divis\u00e9 par le nombre moyen pond\u00e9r\u00e9 d'actions ordinaires en circulation (de base et dilu\u00e9) au cours de la p\u00e9riode. La direction estime que le r\u00e9sultat net ajust\u00e9 (perte) est un indicateur plus pertinent de la performance op\u00e9rationnelle, car il exclut les \u00e9l\u00e9ments non li\u00e9s aux activit\u00e9s courantes. Le tableau ci-dessous pr\u00e9sente le rapprochement entre le r\u00e9sultat net de la Soci\u00e9t\u00e9 (perte) et le r\u00e9sultat net ajust\u00e9 (perte)\u00a0: \n\n
    \n
    \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
    <\/th>\n Trimestre clos le 31 d\u00e9cembre<\/th>\n Exercice clos le 31 d\u00e9cembre<\/th>\n <\/tr>\n
    <\/th>\n 2025<\/th>\n 2024<\/th>\n 2025<\/th>\n 2024<\/th>\n <\/tr>\n <\/thead>\n
    Perte nette des actionnaires<\/td>\n (25,326)<\/td>\n (1,848)<\/td>\n (29,969)<\/td>\n (3,139)<\/td>\n <\/tr>\n
    Ajustements :<\/strong><\/td>\n <\/tr>\n
      Gain sur la vente d'AEF<\/td>\n \u2013<\/td>\n \u2013<\/td>\n \u2013<\/td>\n (1,068)<\/td>\n <\/tr>\n
      Amortissement des actifs d'imp\u00f4t diff\u00e9r\u00e9 nets am\u00e9ricains<\/td>\n 11,942<\/td>\n \u2013<\/td>\n 11,942<\/td>\n \u2013<\/td>\n <\/tr>\n
      Frais de restructuration et autres<\/td>\n 1,196<\/td>\n 1,438<\/td>\n 3,065<\/td>\n 3,498<\/td>\n <\/tr>\n
      Incidence fiscale des ajustements<\/td>\n (529)<\/td>\n (381)<\/td>\n (812)<\/td>\n (644)<\/td>\n <\/tr>\n <\/tbody>\n
    <\/th>\n <\/tr>\n
    \n B\u00e9n\u00e9fice net (perte nette) ajust\u00e9(e)\n <\/th>\n (11,917)\n <\/th>\n (791)\n <\/th>\n (15,744)\n <\/th>\n (1,353)\n <\/th>\n <\/tr>\n <\/tfoot>\n<\/table>\n<\/div>\n<\/section>\n\n\n<\/li>\n\n\n\n
  2. Valeur comptable par action ; la valeur comptable correspond aux capitaux propres et est identique \u00e0 la valeur nette d\u2019inventaire (calcul\u00e9e comme le total des actifs moins le total du passif) de la soci\u00e9t\u00e9 moins les participations ne donnant pas le contr\u00f4le. La valeur comptable par action est la valeur comptable ou les capitaux propres divis\u00e9s par le nombre d\u2019actions ordinaires en circulation \u00e0 une date donn\u00e9e.<\/li>\n\n\n\n
  3. Les fonds utilis\u00e9s sont les cr\u00e9ances financi\u00e8res et les pr\u00eats de la soci\u00e9t\u00e9, une mesure NIIF. Les fonds moyens utilis\u00e9s sont les cr\u00e9ances financi\u00e8res moyennes et les pr\u00eats calcul\u00e9s sur une p\u00e9riode donn\u00e9e.<\/li>\n<\/ol>\n\n\n\n

    D\u00e9clarations prospectives<\/strong><\/p>\n\n\n\n

    Le pr\u00e9sent communiqu\u00e9 de presse contient des d\u00e9clarations prospectives et des informations prospectives au sens des lois canadiennes sur les valeurs mobili\u00e8res applicables. Les d\u00e9clarations prospectives peuvent g\u00e9n\u00e9ralement \u00eatre identifi\u00e9es par l'utilisation d'une terminologie prospective telle que \u00ab peut \u00bb, \u00ab sera \u00bb, \u00ab s'attendre \u00e0 \u00bb, \u00ab avoir l'intention de \u00bb, \u00ab estimer \u00bb, \u00ab anticiper \u00bb, \u00ab croire \u00bb, \u00ab continuer \u00bb, \u00ab planifier \u00bb ou une terminologie similaire. Les d\u00e9clarations prospectives contenues dans le pr\u00e9sent communiqu\u00e9 de presse comprennent, sans s'y limiter, les d\u00e9clarations, les convictions, les attentes ou les intentions de la direction concernant la situation financi\u00e8re de la soci\u00e9t\u00e9 et la capacit\u00e9 de la soci\u00e9t\u00e9 \u00e0 rembourser ou \u00e0 refinancer ses dettes impay\u00e9es. Les d\u00e9clarations prospectives sont fond\u00e9es sur des pr\u00e9visions de r\u00e9sultats futurs, des estimations de montants non encore d\u00e9terminables et des hypoth\u00e8ses qui, bien que jug\u00e9es raisonnables par la direction, sont intrins\u00e8quement sujettes \u00e0 d'importantes incertitudes et \u00e9ventualit\u00e9s commerciales, \u00e9conomiques et concurrentielles. Les d\u00e9clarations prospectives sont assujetties \u00e0 divers risques et incertitudes, y compris la situation globale de la soci\u00e9t\u00e9 en mati\u00e8re de liquidit\u00e9s et de ressources en capital et sa capacit\u00e9 de rembourser ses titres de cr\u00e9ance \u00e0 l'\u00e9ch\u00e9ance, ainsi que les risques identifi\u00e9s dans les d\u00e9p\u00f4ts p\u00e9riodiques d'Accord aupr\u00e8s des organismes canadiens de r\u00e9glementation des valeurs mobili\u00e8res. Si l\u2019une ou la totalit\u00e9 des dettes impay\u00e9es de la soci\u00e9t\u00e9 ne sont pas renouvel\u00e9es ou remplac\u00e9es \u00e0 l\u2019expiration de leurs conditions, et si la soci\u00e9t\u00e9 ne parvient pas \u00e0 g\u00e9n\u00e9rer du capital suppl\u00e9mentaire \u00e0 partir de la vente d\u2019actifs de portefeuille et\/ou d\u2019unit\u00e9s d\u2019affaires et d\u2019autres arrangements de financement pour les rembourser \u00e0 des conditions acceptables pour la soci\u00e9t\u00e9, ou du tout, la soci\u00e9t\u00e9 pourrait ne pas \u00eatre en mesure de continuer \u00e0 financer ses activit\u00e9s et \u00e0 fonctionner en continuit\u00e9 d\u2019exploitation. Voir la fiche d\u2019information annuelle la plus r\u00e9cente d\u2019Accord et la discussion et l\u2019analyse des r\u00e9sultats des op\u00e9rations et de la situation financi\u00e8re de la direction la plus r\u00e9cente pour une discussion d\u00e9taill\u00e9e des facteurs de risque affectant Accord. Ces informations prospectives repr\u00e9sentent le meilleur jugement de la direction sur la base des informations actuellement disponibles. Aucune d\u00e9claration prospective ne peut \u00eatre garantie et les r\u00e9sultats futurs r\u00e9els peuvent varier consid\u00e9rablement. Par cons\u00e9quent, il est conseill\u00e9 aux lecteurs de ne pas se fier ind\u00fbment aux d\u00e9clarations ou aux informations prospectives.\n\n<\/br><\/br>\nLe texte du communiqu\u00e9 issu d\u2019une traduction ne doit d\u2019aucune mani\u00e8re \u00eatre consid\u00e9r\u00e9 comme officiel. La seule version du communiqu\u00e9 qui fasse foi est celle du communiqu\u00e9 dans sa langue d\u2019origine. La traduction devra toujours \u00eatre confront\u00e9e au texte source, qui fera jurisprudence.<\/p>","protected":false},"excerpt":{"rendered":"

    R\u00e9sum\u00e9 des r\u00e9sultats financiers Trois mois clos le 31 d\u00e9cembre Exercice clos le 31 d\u00e9cembre 2025 2024 2025\u2026<\/p>","protected":false},"author":20,"featured_media":3758,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[139],"tags":[],"location":[8],"class_list":["post-16836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases","location-toronto"],"acf":[],"yoast_head":"\n04\/01\/2026 | Accord Financial Announces Fourth Quarter and Fiscal 2025 Financial Results and Amendment to its Banking Facility | 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\" 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