In many industrial problems, heat transfer does play an important part. Quite often, radiation, convection and radiation are present simultaneously. This paper presents the numerical tool handling simultaneously these phenomena. Fluid is tackled by the finite element code N3S, radiation (restricted to a non participating medium) and conduction are handled with SYRTHES respectively by a radiosity method and a finite element method. The main originality of the product is that meshes used to solve each phenomenon are completely independent. This allows users to choose the most appropriate spatial discretization for each part or phenomenon. This flexibility requires of course robust and fast data exchange procedures (temperature, convective flux, radiative flux) between the independent grids. This operation is done automatically by the code SYRTHES. One simple problem illustrating the interest of this development is presented at the end of the paper. (author). 6 refs., 8 figs.