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Nos conseillers accompagnent les organismes de services à la personne dans la mise en conformité de leur garantie financière (article D133-22 du Code de la sécurité sociale).","Tutassûr — courtier ORIAS n°22001730",{"name":19,"steps":20},"Obtenir et transmettre son attestation de garantie financière à l'Urssaf",[21,24,27,30,33],{"name":22,"text":23},"Estimer son besoin de garantie","Calculez le volume de prestations déclarées en N-1 (acompte inclus) et identifiez si vous versez ou non un acompte, pour déterminer votre tranche du barème de l'article D133-22, de 15 000 € à 1 200 000 €.",{"name":25,"text":26},"Constituer son dossier","Réunissez votre Kbis, votre liasse fiscale et vos comptes. La certification des comptes par un expert-comptable ou un commissaire aux comptes améliore le tarif obtenu.",{"name":28,"text":29},"Demander une attestation conforme","Adressez votre dossier à un organisme habilité (établissement de crédit, société de financement ou entreprise d'assurance). Chez Tutassûr, la transmission se fait via une interface digitale, avec une réponse sous 24 h, à partir de 788 €\u002Fan.",{"name":31,"text":32},"Vérifier le contenu de l'attestation","Contrôlez l'identification de l'organisme garanti, le montant de la garantie et la période de validité. Pour une tête de réseau utilisant l'API Tiers de prestations, l'attestation doit indiquer quel utilisateur de l'API est couvert.",{"name":34,"text":35},"Transmettre l'attestation à l'Urssaf","Envoyez l'attestation à avance-immediate@urssaf.fr, par tout moyen donnant une date certaine de réception, avant l'échéance des contrôles fixée au 31 juillet 2026. Renouvelez chaque année.",{"src":37,"alt":38,"width":39,"height":40},"\u002Fblog\u002Fobtenir-transmettre-attestation-garantie-financiere-urssaf\u002Fcover.svg","Attestation de garantie financière SAP — l'obtenir et la transmettre à l'Urssaf 2026",1200,675,[42],"reglementation",[44,45,46,47,48,49],"attestation garantie financière","transmettre attestation Urssaf","obtenir garantie financière SAP","avance-immediate@urssaf.fr","caution AVIM attestation","procédure garantie financière",7,"published",{"ogImage":37,"metaKeywords":53},[44,45,46,47,48,49],[55,58,61,64,67],{"question":56,"answer":57},"Comment obtenir une attestation de garantie financière ?","Vous devez faire établir la garantie par un organisme habilité : un établissement de crédit, une société de financement ou une entreprise d'assurance ayant son siège en France ou dans l'Espace économique européen. La démarche se fait en quatre temps : estimer son besoin selon le barème de l'article D133-22, constituer un dossier (Kbis, liasse fiscale, comptes), demander l'attestation, puis vérifier son contenu. Chez Tutassûr, le dossier se transmet via une interface digitale avec une réponse sous 24 h, à partir de 788 €\u002Fan.",{"question":59,"answer":60},"À qui envoyer l'attestation de garantie financière ?","L'attestation se transmet à l'Urssaf, à l'adresse avance-immediate@urssaf.fr, par tout moyen donnant une date certaine de réception (envoi recommandé électronique ou courriel avec accusé de réception). L'Urssaf ne valide aucun modèle d'attestation et ne fournit aucune liste d'organismes habilités.",{"question":62,"answer":63},"Quel est le délai pour obtenir une attestation de garantie financière ?","Le délai dépend de l'organisme garant et de la complétude du dossier. Chez Tutassûr, une réponse intervient sous 24 h après transmission du dossier via l'interface digitale. Il reste recommandé d'anticiper : l'attestation doit avoir été transmise à l'Urssaf avant l'échéance des contrôles du 31 juillet 2026.",{"question":65,"answer":66},"Que doit contenir l'attestation de garantie financière ?","L'attestation doit identifier l'organisme garanti, indiquer le montant de la garantie et préciser la période de validité. Doivent également figurer le nom et l'adresse du garant, l'objet de la garantie, le bénéficiaire, les conditions de renouvellement et les modalités de déclenchement. Pour une tête de réseau utilisant l'API Tiers de prestations, l'attestation doit indiquer quel utilisateur de l'API est couvert.",{"question":68,"answer":69},"Faut-il renouveler l'attestation de garantie financière chaque année ?","Oui. La garantie financière est annuelle (les contrats arrivent à échéance au 31 décembre) et une nouvelle attestation doit être transmise à l'Urssaf chaque année. En cas de dépassement de seuil en cours d'année, une attestation actualisée couvrant le nouveau montant doit également être transmise, sous peine de suspension de l'accès à l'Avance Immédiate.",{"type":71,"children":72,"toc":957},"root",[73,93,137,144,259,265,277,308,320,326,331,370,389,395,407,442,468,505,517,523,528,617,643,649,670,689,703,709,735,754,766,772,820,886,897,903,937,945,949],{"type":74,"tag":75,"props":76,"children":77},"element","p",{},[78],{"type":74,"tag":79,"props":80,"children":81},"em",{},[82,85,91],{"type":83,"value":84},"text","Guide pratique 2026 — Publié le 22 mai 2026. Cet article s'adresse aux ",{"type":74,"tag":86,"props":87,"children":88},"strong",{},[89],{"type":83,"value":90},"organismes de services à la personne",{"type":83,"value":92}," (SAP) qui doivent obtenir et transmettre une attestation de garantie financière à l'Urssaf. Les éléments réglementaires reposent sur les articles L.133-8-5 et D.133-22 du Code de la sécurité sociale et le décret n°2024-1161 du 4 décembre 2024, en vigueur à la date de publication.",{"type":74,"tag":75,"props":94,"children":95},{},[96,98,103,105,110,112,117,119,128,130,135],{"type":83,"value":97},"Obtenir une ",{"type":74,"tag":86,"props":99,"children":100},{},[101],{"type":83,"value":102},"attestation de garantie financière",{"type":83,"value":104}," puis la ",{"type":74,"tag":86,"props":106,"children":107},{},[108],{"type":83,"value":109},"transmettre à l'Urssaf",{"type":83,"value":111}," est la dernière étape de mise en conformité pour les organismes de services à la personne qui utilisent l'",{"type":74,"tag":86,"props":113,"children":114},{},[115],{"type":83,"value":116},"Avance Immédiate",{"type":83,"value":118},". La procédure se résume à cinq étapes : estimer son besoin, constituer son dossier, demander l'attestation, en vérifier le contenu, puis l'envoyer à ",{"type":74,"tag":86,"props":120,"children":121},{},[122],{"type":74,"tag":123,"props":124,"children":126},"a",{"href":125},"mailto:avance-immediate@urssaf.fr",[127],{"type":83,"value":47},{"type":83,"value":129}," avant le ",{"type":74,"tag":86,"props":131,"children":132},{},[133],{"type":83,"value":134},"31 juillet 2026",{"type":83,"value":136},". Ce guide détaille chaque étape, avec les sources officielles.",{"type":74,"tag":138,"props":139,"children":141},"h2",{"id":140},"lessentiel-à-retenir",[142],{"type":83,"value":143},"L'essentiel à retenir",{"type":74,"tag":145,"props":146,"children":147},"ul",{},[148,159,197,207,233,249],{"type":74,"tag":149,"props":150,"children":151},"li",{},[152,157],{"type":74,"tag":86,"props":153,"children":154},{},[155],{"type":83,"value":156},"Cinq étapes",{"type":83,"value":158}," : estimer le besoin → constituer le dossier → demander l'attestation → vérifier son contenu → transmettre à l'Urssaf.",{"type":74,"tag":149,"props":160,"children":161},{},[162,167,169,174,176,181,183,188,190,195],{"type":74,"tag":86,"props":163,"children":164},{},[165],{"type":83,"value":166},"Montant",{"type":83,"value":168}," : barème de l'",{"type":74,"tag":86,"props":170,"children":171},{},[172],{"type":83,"value":173},"article D133-22",{"type":83,"value":175}," du Code de la sécurité sociale, de ",{"type":74,"tag":86,"props":177,"children":178},{},[179],{"type":83,"value":180},"15 000 €",{"type":83,"value":182}," à ",{"type":74,"tag":86,"props":184,"children":185},{},[186],{"type":83,"value":187},"1 200 000 €",{"type":83,"value":189},", indexé sur les prestations déclarées ",{"type":74,"tag":86,"props":191,"children":192},{},[193],{"type":83,"value":194},"acompte inclus",{"type":83,"value":196},".",{"type":74,"tag":149,"props":198,"children":199},{},[200,205],{"type":74,"tag":86,"props":201,"children":202},{},[203],{"type":83,"value":204},"Organismes habilités",{"type":83,"value":206}," : établissement de crédit, société de financement ou entreprise d'assurance (siège en France ou dans l'EEE).",{"type":74,"tag":149,"props":208,"children":209},{},[210,215,217,224,226,231],{"type":74,"tag":86,"props":211,"children":212},{},[213],{"type":83,"value":214},"Adresse de transmission",{"type":83,"value":216}," : ",{"type":74,"tag":86,"props":218,"children":219},{},[220],{"type":74,"tag":123,"props":221,"children":222},{"href":125},[223],{"type":83,"value":47},{"type":83,"value":225},", par tout moyen donnant ",{"type":74,"tag":86,"props":227,"children":228},{},[229],{"type":83,"value":230},"date certaine",{"type":83,"value":232}," de réception.",{"type":74,"tag":149,"props":234,"children":235},{},[236,241,243,247],{"type":74,"tag":86,"props":237,"children":238},{},[239],{"type":83,"value":240},"Échéance",{"type":83,"value":242}," : attestation transmise avant le ",{"type":74,"tag":86,"props":244,"children":245},{},[246],{"type":83,"value":134},{"type":83,"value":248},", date d'entrée en vigueur des contrôles de l'Urssaf.",{"type":74,"tag":149,"props":250,"children":251},{},[252,257],{"type":74,"tag":86,"props":253,"children":254},{},[255],{"type":83,"value":256},"Renouvellement",{"type":83,"value":258}," : chaque année (échéance au 31 décembre) ; nouvelle attestation en cas de dépassement de seuil en cours d'année.",{"type":74,"tag":138,"props":260,"children":262},{"id":261},"étape-1-estimer-son-besoin-de-garantie",[263],{"type":83,"value":264},"Étape 1 — Estimer son besoin de garantie",{"type":74,"tag":75,"props":266,"children":267},{},[268,270,275],{"type":83,"value":269},"Avant toute démarche, il faut situer son besoin dans le barème. 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La base de calcul correspond au ",{"type":74,"tag":86,"props":302,"children":303},{},[304],{"type":83,"value":305},"total des prestations déclarées, acompte inclus",{"type":83,"value":307}," : l'acompte versé par le client n'est pas déduit.",{"type":74,"tag":75,"props":309,"children":310},{},[311,313,319],{"type":83,"value":312},"Estimer correctement cette tranche permet de souscrire la garantie au bon montant et d'éviter une régularisation en cours d'année. La méthode complète, avec exemples chiffrés par taille de structure, est détaillée dans notre article ",{"type":74,"tag":123,"props":314,"children":316},{"href":315},"\u002Fblog\u002Fcalcul-montant-garantie-financiere-sap-bareme",[317],{"type":83,"value":318},"Calcul du montant de garantie financière SAP (barème)",{"type":83,"value":196},{"type":74,"tag":138,"props":321,"children":323},{"id":322},"étape-2-constituer-son-dossier",[324],{"type":83,"value":325},"Étape 2 — Constituer son dossier",{"type":74,"tag":75,"props":327,"children":328},{},[329],{"type":83,"value":330},"L'organisme garant a besoin d'éléments pour apprécier le risque et fixer le tarif. 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Plus le dossier est complet et lisible, plus la réponse est rapide et le tarif favorable. Pour les pistes d'optimisation tarifaire, consultez notre article ",{"type":74,"tag":123,"props":383,"children":385},{"href":384},"\u002Fblog\u002Freduire-prix-garantie-financiere-sap",[386],{"type":83,"value":387},"Réduire le prix de sa garantie financière SAP",{"type":83,"value":196},{"type":74,"tag":138,"props":390,"children":392},{"id":391},"étape-3-demander-une-attestation-conforme",[393],{"type":83,"value":394},"Étape 3 — Demander une attestation conforme",{"type":74,"tag":75,"props":396,"children":397},{},[398,400,405],{"type":83,"value":399},"L'attestation doit être délivrée par un ",{"type":74,"tag":86,"props":401,"children":402},{},[403],{"type":83,"value":404},"organisme habilité",{"type":83,"value":406},". 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Ce point est essentiel pour les réseaux qui centralisent les flux de paiement de leurs adhérents.",{"type":74,"tag":138,"props":644,"children":646},{"id":645},"étape-5-transmettre-lattestation-à-lurssaf",[647],{"type":83,"value":648},"Étape 5 — Transmettre l'attestation à l'Urssaf",{"type":74,"tag":75,"props":650,"children":651},{},[652,654,661,663,668],{"type":83,"value":653},"L'attestation se transmet à l'Urssaf à l'adresse ",{"type":74,"tag":86,"props":655,"children":656},{},[657],{"type":74,"tag":123,"props":658,"children":659},{"href":125},[660],{"type":83,"value":47},{"type":83,"value":662},", par ",{"type":74,"tag":86,"props":664,"children":665},{},[666],{"type":83,"value":667},"tout moyen donnant une date certaine de réception",{"type":83,"value":669}," (par exemple un envoi recommandé électronique ou un courriel avec accusé de réception).",{"type":74,"tag":75,"props":671,"children":672},{},[673,675,680,682,687],{"type":83,"value":674},"Cette transmission doit intervenir ",{"type":74,"tag":86,"props":676,"children":677},{},[678],{"type":83,"value":679},"avant l'échéance du 31 juillet 2026",{"type":83,"value":681},", date d'entrée en vigueur des contrôles de l'Urssaf. 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Il est donc recommandé de ne pas attendre l'échéance.",{"type":74,"tag":75,"props":690,"children":691},{},[692,694,702],{"type":83,"value":693},"Vous pouvez consulter le détail du dispositif sur le site officiel de l'",{"type":74,"tag":123,"props":695,"children":699},{"href":696,"rel":697},"https:\u002F\u002Fwww.urssaf.fr\u002Faccueil\u002Fservices\u002Fservices-particuliers\u002Fservice-avance-immediate.html",[698],"nofollow",[700],{"type":83,"value":701},"Urssaf — service Avance Immédiate",{"type":83,"value":196},{"type":74,"tag":138,"props":704,"children":706},{"id":705},"renouvellement-et-dépassement-de-seuil",[707],{"type":83,"value":708},"Renouvellement et dépassement de seuil",{"type":74,"tag":75,"props":710,"children":711},{},[712,714,719,721,726,728,733],{"type":83,"value":713},"La garantie financière est ",{"type":74,"tag":86,"props":715,"children":716},{},[717],{"type":83,"value":718},"annuelle",{"type":83,"value":720},". 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Pour cette raison, il est généralement préférable de souscrire d'emblée pour le ",{"type":74,"tag":86,"props":748,"children":749},{},[750],{"type":83,"value":751},"besoin annuel prévisionnel",{"type":83,"value":753},", afin d'éviter une régularisation à chaud.",{"type":74,"tag":75,"props":755,"children":756},{},[757,759,765],{"type":83,"value":758},"Pour le cadre réglementaire complet — qui est concerné, à partir de quand, à quel montant — reportez-vous à notre guide de référence ",{"type":74,"tag":123,"props":760,"children":762},{"href":761},"\u002Fblog\u002Fgarantie-financiere-services-personne-obligation-urssaf-2026",[763],{"type":83,"value":764},"Garantie financière services à la personne : obligation Urssaf 2026",{"type":83,"value":196},{"type":74,"tag":138,"props":767,"children":769},{"id":768},"la-solution-tutassûr",[770],{"type":83,"value":771},"La solution Tutassûr",{"type":74,"tag":75,"props":773,"children":774},{},[775,776,780,782,786,787,791,793,798,800,804,806,811,813,818],{"type":83,"value":472},{"type":74,"tag":86,"props":777,"children":778},{},[779],{"type":83,"value":13},{"type":83,"value":781},", nous prenons en charge l'intégralité de la procédure. Le dossier se transmet via une ",{"type":74,"tag":86,"props":783,"children":784},{},[785],{"type":83,"value":483},{"type":83,"value":485},{"type":74,"tag":86,"props":788,"children":789},{},[790],{"type":83,"value":490},{"type":83,"value":792}," et une ",{"type":74,"tag":86,"props":794,"children":795},{},[796],{"type":83,"value":797},"attestation conforme à l'article D133-22",{"type":83,"value":799},", prête à être adressée à l'Urssaf. Le ",{"type":74,"tag":86,"props":801,"children":802},{},[803],{"type":83,"value":503},{"type":83,"value":805}," (TTC, pour une structure établie de plus de 3 ans avec liasse fiscale certifiée ; le prix définitif dépend du volume d'activité et de l'ancienneté). Le paiement peut être ",{"type":74,"tag":86,"props":807,"children":808},{},[809],{"type":83,"value":810},"mensuel, trimestriel ou annuel",{"type":83,"value":812},". Nous nous positionnons en ",{"type":74,"tag":86,"props":814,"children":815},{},[816],{"type":83,"value":817},"apporteur de solution clé en main",{"type":83,"value":819},", en nous appuyant sur notre porteur de risque partenaire.",{"type":74,"tag":75,"props":821,"children":822},{},[823,825,830,832,837,839,844,846,851,853,858,860,867,869,876,878,885],{"type":83,"value":824},"Pour rappel, le dispositif ",{"type":74,"tag":86,"props":826,"children":827},{},[828],{"type":83,"value":829},"Avance Immédiate (AVIM)",{"type":83,"value":831}," repose sur l'",{"type":74,"tag":86,"props":833,"children":834},{},[835],{"type":83,"value":836},"article L.133-8-5 du Code de la sécurité sociale",{"type":83,"value":838},", tandis que l'",{"type":74,"tag":86,"props":840,"children":841},{},[842],{"type":83,"value":843},"article D.133-22",{"type":83,"value":845}," encadre spécifiquement la ",{"type":74,"tag":86,"props":847,"children":848},{},[849],{"type":83,"value":850},"garantie financière",{"type":83,"value":852}," exigée des organismes qui l'utilisent, dans sa version créée par le ",{"type":74,"tag":86,"props":854,"children":855},{},[856],{"type":83,"value":857},"décret n°2024-1161 du 4 décembre 2024",{"type":83,"value":859},". Ces textes sont consultables sur ",{"type":74,"tag":123,"props":861,"children":864},{"href":862,"rel":863},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000051802709",[698],[865],{"type":83,"value":866},"Légifrance",{"type":83,"value":868}," et le décret sur le ",{"type":74,"tag":123,"props":870,"children":873},{"href":871,"rel":872},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fjorf\u002Fid\u002FJORFTEXT000050733357",[698],[874],{"type":83,"value":875},"Journal officiel",{"type":83,"value":877},". Une présentation générale du dispositif est également disponible sur ",{"type":74,"tag":123,"props":879,"children":882},{"href":880,"rel":881},"https:\u002F\u002Fwww.service-public.fr\u002Fparticuliers\u002Fvosdroits\u002FF34507",[698],[883],{"type":83,"value":884},"service-public.fr",{"type":83,"value":196},{"type":74,"tag":75,"props":887,"children":888},{},[889],{"type":74,"tag":123,"props":890,"children":891},{"href":510},[892],{"type":74,"tag":86,"props":893,"children":894},{},[895],{"type":83,"value":896},"Demander un devis de garantie financière SAP →",{"type":74,"tag":138,"props":898,"children":900},{"id":899},"pour-aller-plus-loin",[901],{"type":83,"value":902},"Pour aller plus loin",{"type":74,"tag":145,"props":904,"children":905},{},[906,915,924],{"type":74,"tag":149,"props":907,"children":908},{},[909,913],{"type":74,"tag":123,"props":910,"children":911},{"href":761},[912],{"type":83,"value":764},{"type":83,"value":914}," — le cadre réglementaire complet : qui, quand, combien.",{"type":74,"tag":149,"props":916,"children":917},{},[918,922],{"type":74,"tag":123,"props":919,"children":920},{"href":315},[921],{"type":83,"value":318},{"type":83,"value":923}," — la méthode de calcul, avec exemples chiffrés.",{"type":74,"tag":149,"props":925,"children":926},{},[927,929,936],{"type":83,"value":928},"Pour aller au plus vite, notre parcours en ligne établit votre besoin et lance votre demande : ",{"type":74,"tag":123,"props":930,"children":933},{"href":931,"rel":932},"https:\u002F\u002Fparcours-garantie-financiere.tutassur.fr",[698],[934],{"type":83,"value":935},"parcours-garantie-financiere.tutassur.fr",{"type":83,"value":196},{"type":74,"tag":938,"props":939,"children":944},"cta-subscribe",{"cta-label":940,"href":510,"product":941,"subtitle":942,"title":943},"Obtenir mon attestation","rcpro","Attestation de garantie financière services à la personne conforme à l'article D133-22, réponse sous 24 h, à partir de 788 €\u002Fan.","Transmettez votre attestation à l'Urssaf avant le 31 juillet 2026",[],{"type":74,"tag":946,"props":947,"children":948},"hr",{},[],{"type":74,"tag":75,"props":950,"children":951},{},[952],{"type":74,"tag":79,"props":953,"children":954},{},[955],{"type":83,"value":956},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique. Les éléments réglementaires sont datés du 22 mai 2026 et susceptibles d'évoluer ; vérifiez les sources officielles citées (Légifrance, Urssaf, service-public.fr).",{"title":7,"searchDepth":958,"depth":958,"links":959},3,[960,962,963,964,965,966,967,968,969],{"id":140,"depth":961,"text":143},2,{"id":261,"depth":961,"text":264},{"id":322,"depth":961,"text":325},{"id":391,"depth":961,"text":394},{"id":519,"depth":961,"text":522},{"id":645,"depth":961,"text":648},{"id":705,"depth":961,"text":708},{"id":768,"depth":961,"text":771},{"id":899,"depth":961,"text":902},"markdown","content:blog:2026:obtenir-transmettre-attestation-garantie-financiere-urssaf.md","content","blog\u002F2026\u002Fobtenir-transmettre-attestation-garantie-financiere-urssaf.md","blog\u002F2026\u002Fobtenir-transmettre-attestation-garantie-financiere-urssaf","md",[977,2282,3143],{"_path":978,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":979,"description":980,"slug":981,"publishedAt":11,"updatedAt":11,"author":982,"reviewedBy":17,"dataset":983,"cover":1043,"categories":1046,"tags":1047,"readingTime":1054,"featured":6,"status":51,"seo":1055,"faq":1057,"body":1070,"_type":970,"_id":2279,"_source":972,"_file":2280,"_stem":2281,"_extension":975},"\u002Fblog\u002F2026\u002Factivites-sap-eligibles-avance-immediate-avim","Activités SAP éligibles à l'Avance Immédiate (AVIM) : la liste 2026","La liste 2026 des activités de services à la personne éligibles à l'Avance Immédiate du crédit d'impôt (AVIM), les activités à agrément obligatoire et le lien avec l'obligation de garantie financière (D133-22).","activites-sap-eligibles-avance-immediate-avim",{"name":13,"slug":14,"role":15,"bio":16},{"name":984,"description":985,"rows":986},"Activités de services à la personne éligibles à l'Avance Immédiate (AVIM)","Liste 2026 des activités de services à la personne ouvrant droit au crédit d'impôt et utilisables via l'Avance Immédiate, avec mention de l'agrément préfectoral obligatoire le cas échéant (art. L.7231-1 du code du travail ; art. L.133-8-5 du Code de la sécurité sociale).",[987,991,993,996,998,1000,1003,1005,1007,1009,1011,1013,1015,1017,1019,1021,1024,1026,1028,1030,1032,1034,1036,1039,1041],{"famille":988,"activite":989,"agrement":990},"Garde, accompagnement et soutien aux enfants","Garde d'enfants de moins de 3 ans à domicile","Oui",{"famille":988,"activite":992,"agrement":990},"Accompagnement d'enfants de moins de 3 ans ou de moins de 18 ans handicapés",{"famille":988,"activite":994,"agrement":995},"Garde d'enfants de plus de 3 ans à domicile","Non",{"famille":988,"activite":997,"agrement":995},"Accompagnement des enfants de plus de 3 ans dans leurs déplacements",{"famille":988,"activite":999,"agrement":995},"Soutien scolaire ou cours à domicile",{"famille":1001,"activite":1002,"agrement":990},"Assistance aux personnes vulnérables","Garde de personnes de moins de 16 ans handicapées à domicile",{"famille":1001,"activite":1004,"agrement":990},"Assistance aux personnes âgées et aux personnes handicapées",{"famille":1001,"activite":1006,"agrement":990},"Accompagnement des personnes en dehors de leur domicile",{"famille":1001,"activite":1008,"agrement":990},"Conduite du véhicule des personnes ayant des difficultés de mobilité",{"famille":1001,"activite":1010,"agrement":995},"Conduite du véhicule des personnes en cas d'invalidité temporaire",{"famille":1001,"activite":1012,"agrement":995},"Soins et promenades d'animaux de compagnie pour les personnes dépendantes",{"famille":1001,"activite":1014,"agrement":995},"Assistance aux personnes ayant besoin d'une aide temporaire à leur domicile",{"famille":1001,"activite":1016,"agrement":995},"Soins d'esthétique à domicile pour les personnes dépendantes",{"famille":1001,"activite":1018,"agrement":995},"Télé-assistance et visio-assistance",{"famille":1001,"activite":1020,"agrement":995},"Interprète en langue des signes",{"famille":1022,"activite":1023,"agrement":995},"Entretien du domicile et services pratiques","Entretien de la maison et travaux ménagers",{"famille":1022,"activite":1025,"agrement":995},"Petits travaux de jardinage",{"famille":1022,"activite":1027,"agrement":995},"Travaux de petit bricolage",{"famille":1022,"activite":1029,"agrement":995},"Maintenance, entretien et vigilance temporaires à domicile",{"famille":1022,"activite":1031,"agrement":995},"Collecte et livraison à domicile de linge repassé",{"famille":1022,"activite":1033,"agrement":995},"Assistance informatique à domicile",{"famille":1022,"activite":1035,"agrement":995},"Assistance administrative à domicile",{"famille":1037,"activite":1038,"agrement":995},"Restauration et courses à domicile","Préparation de repas à domicile",{"famille":1037,"activite":1040,"agrement":995},"Livraison de repas à domicile",{"famille":1037,"activite":1042,"agrement":995},"Livraison de courses à domicile",{"src":1044,"alt":1045,"width":39,"height":40},"\u002Fblog\u002Factivites-sap-eligibles-avance-immediate-avim\u002Fcover.svg","Activités SAP éligibles à l'Avance Immédiate (AVIM) — la liste 2026",[42],[1048,1049,1050,1051,1052,1053],"activités éligibles avance immédiate","AVIM services à la personne","crédit d'impôt services à la personne activités","agrément services à la personne","caution AVIM","garantie financière SAP",8,{"ogImage":1044,"metaKeywords":1056},[1048,1049,1050,1051,1052,1053],[1058,1061,1064,1067],{"question":1059,"answer":1060},"Quelles activités SAP sont éligibles à l'Avance Immédiate ?","Seules les activités relevant des services à la personne au sens de l'article L.7231-1 du code du travail et ouvrant droit au crédit d'impôt peuvent passer par l'Avance Immédiate. Elles se regroupent en quatre familles : garde et soutien aux enfants, assistance aux personnes vulnérables, entretien du domicile et services pratiques, restauration et courses à domicile. La liste 2026 complète figure dans cet article.",{"question":1062,"answer":1063},"Quelles activités nécessitent un agrément ?","Certaines activités exigent un agrément préfectoral préalable : la garde d'enfants de moins de 3 ans à domicile, l'accompagnement d'enfants de moins de 3 ans ou de moins de 18 ans handicapés, la garde de personnes de moins de 16 ans handicapées, l'assistance aux personnes âgées et handicapées, l'accompagnement des personnes en dehors de leur domicile et la conduite du véhicule de personnes ayant des difficultés de mobilité. Ces activités s'adressent aux publics fragiles.",{"question":1065,"answer":1066},"Toutes les activités de services à la personne donnent-elles droit au crédit d'impôt ?","Seules les activités listées au titre des services à la personne ouvrant droit à l'avantage fiscal donnent droit au crédit d'impôt et, donc, à l'Avance Immédiate. Une activité hors de cette liste ne peut pas utiliser le dispositif AVIM.",{"question":1068,"answer":1069},"Le choix d'activité change-t-il mon obligation de garantie financière ?","Non. Dès qu'un organisme utilise l'Avance Immédiate, la garantie financière de l'article D.133-22 devient obligatoire selon les conditions habituelles : dès le premier euro en cas d'encaissement d'acompte, sinon dès 200 000 € TTC de prestations par an. La famille d'activité ne modifie pas ces seuils.",{"type":71,"children":1071,"toc":2265},[1072,1107,1144,1148,1259,1265,1291,1310,1322,1336,1342,1360,1367,1462,1468,1613,1619,1728,1734,1795,1816,1822,1840,1945,1956,1969,1975,2000,2026,2091,2103,2132,2156,2160,2195,2206,2217,2223,2227,2254,2257],{"type":74,"tag":75,"props":1073,"children":1074},{},[1075],{"type":74,"tag":79,"props":1076,"children":1077},{},[1078,1080,1085,1087,1092,1094,1099,1101,1105],{"type":83,"value":1079},"Guide 2026 — Mis à jour le 22 mai 2026. Cet article recense les ",{"type":74,"tag":86,"props":1081,"children":1082},{},[1083],{"type":83,"value":1084},"activités de services à la personne (SAP) éligibles à l'Avance Immédiate",{"type":83,"value":1086}," du crédit d'impôt (",{"type":74,"tag":86,"props":1088,"children":1089},{},[1090],{"type":83,"value":1091},"AVIM",{"type":83,"value":1093},"), identifie celles qui exigent un ",{"type":74,"tag":86,"props":1095,"children":1096},{},[1097],{"type":83,"value":1098},"agrément préfectoral",{"type":83,"value":1100}," et explique le lien avec l'obligation de ",{"type":74,"tag":86,"props":1102,"children":1103},{},[1104],{"type":83,"value":850},{"type":83,"value":1106}," de l'article D.133-22 du Code de la sécurité sociale.",{"type":74,"tag":75,"props":1108,"children":1109},{},[1110,1112,1116,1118,1123,1125,1130,1132,1136,1138,1142],{"type":83,"value":1111},"L'",{"type":74,"tag":86,"props":1113,"children":1114},{},[1115],{"type":83,"value":116},{"type":83,"value":1117}," (AVIM) permet au particulier de ne régler que le ",{"type":74,"tag":86,"props":1119,"children":1120},{},[1121],{"type":83,"value":1122},"reste à charge",{"type":83,"value":1124}," après crédit d'impôt, l'avantage fiscal étant versé en temps réel. 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Les références citées sont l'article L133-8-5 (AVIM) et l'article D133-22 (garantie financière) du Code de la sécurité sociale, à la date du 22 mai 2026 ; vérifiez les sources officielles sur Légifrance et service-public.fr.",{"title":7,"searchDepth":958,"depth":958,"links":3132},[3133,3134,3135,3136,3137,3138,3139],{"id":140,"depth":961,"text":143},{"id":2500,"depth":961,"text":2503},{"id":2568,"depth":961,"text":2571},{"id":2825,"depth":961,"text":2304},{"id":2912,"depth":961,"text":2310},{"id":768,"depth":961,"text":771},{"id":899,"depth":961,"text":902},"content:blog:2026:caution-garantie-financiere-assurance-difference-avim.md","blog\u002F2026\u002Fcaution-garantie-financiere-assurance-difference-avim.md","blog\u002F2026\u002Fcaution-garantie-financiere-assurance-difference-avim",{"_path":3144,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":3145,"description":3146,"slug":3147,"publishedAt":11,"updatedAt":11,"author":3148,"reviewedBy":17,"cover":3149,"categories":3152,"tags":3153,"readingTime":50,"featured":6,"status":51,"seo":3160,"faq":3162,"body":3178,"_type":970,"_id":4066,"_source":972,"_file":4067,"_stem":4068,"_extension":975},"\u002Fblog\u002F2026\u002Fgarantie-financiere-sap-refus-criteres-eligibilite","Garantie financière SAP refusée : critères d'éligibilité et solutions","Pourquoi une garantie financière services à la personne peut être refusée : critères financiers et antécédents examinés par le garant, cas des entreprises en création, et solutions concrètes avec Tutassûr dès 788 €\u002Fan.","garantie-financiere-sap-refus-criteres-eligibilite",{"name":13,"slug":14,"role":15,"bio":16},{"src":3150,"alt":3151,"width":39,"height":40},"\u002Fblog\u002Fgarantie-financiere-sap-refus-criteres-eligibilite\u002Fcover.svg","Garantie financière SAP : critères d'éligibilité et refus — solutions Tutassûr",[42],[3154,3155,3156,3157,3158,3159,1274],"garantie financière refusée","critères éligibilité garantie financière SAP","garantie financière refus","caution AVIM refusée","obtenir garantie financière difficile","garantie financière entreprise en difficulté",{"ogImage":3150,"metaKeywords":3161},[3154,3155,3156,3157,3158,3159],[3163,3166,3169,3172,3175],{"question":3164,"answer":3165},"Peut-on être refusé pour une garantie financière SAP ?","Oui. La garantie financière n'est pas un droit automatique : le garant évalue un profil de risque. Une demande peut être refusée, majorée ou assortie de garanties complémentaires si les comptes ne sont pas certifiés, si les fonds propres ou le résultat sont négatifs, ou si l'entreprise présente des antécédents défavorables (procédure collective, redressement Urssaf ou fiscal, contentieux d'un dirigeant).",{"question":3167,"answer":3168},"Quels critères financiers sont examinés ?","Quatre points principaux : la certification des comptes par un expert-comptable ou un commissaire aux comptes, le résultat net du dernier exercice, les fonds propres du dernier bilan et le résultat d'exploitation du dernier exercice. Un résultat net, des fonds propres ou un résultat d'exploitation négatifs dégradent le profil de risque et peuvent conduire à un refus ou à une majoration.",{"question":3170,"answer":3171},"Une entreprise en cours de création peut-elle obtenir la garantie ?","Oui, une entreprise en cours de création peut être étudiée à partir de la forme juridique envisagée. Mais l'absence de comptes et d'ancienneté pèse sur l'acceptation et sur le tarif. Un dossier solide (business plan, apports, expérience du dirigeant) renforce la demande.",{"question":3173,"answer":3174},"Un redressement Urssaf empêche-t-il l'obtention ?","Un redressement fiscal ou une réclamation de l'Urssaf au titre de l'Avance Immédiate (AVIM) est un point de vigilance majeur pour le garant. Il ne bloque pas systématiquement la garantie, mais une régularisation ou un échéancier en cours doit être documenté. Plus le litige est ancien et résolu, plus le dossier est recevable.",{"question":3176,"answer":3177},"Que faire en cas de refus de garantie financière ?","Faire certifier ses comptes, régulariser un éventuel litige Urssaf ou fiscal, puis présenter un dossier complet (liasse fiscale, Kbis, comptes). Se faire accompagner par un courtier comme Tutassûr permet de présenter le dossier au porteur de risque partenaire, de le défendre et de négocier les conditions, avec une réponse sous 24 h.",{"type":71,"children":3179,"toc":4056},[3180,3195,3239,3243,3330,3335,3353,3358,3398,3410,3416,3428,3534,3567,3573,3585,3671,3697,3703,3721,3747,3783,3788,3794,3806,3866,3878,3882,3899,3974,3986,3997,4001,4006,4028,4039,4045,4048],{"type":74,"tag":75,"props":3181,"children":3182},{},[3183],{"type":74,"tag":79,"props":3184,"children":3185},{},[3186,3188,3193],{"type":83,"value":3187},"Guide 2026 — Mis à jour le 22 mai 2026. 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