The present invention is directed to a heat-developable photosensitive material and an image-forming process using the heat-developable photosensitive material. The material generally includes at least one photosensitive silver halide, a reducing agent for silver ions, a binder, and non-photosensitive organic silver salt particles on one surface of a support. The non-photosensitive organic silver salt particles are specified and the reducing agent is specified. The material may include specific non-photosensitive organic silver salt particles and a development accelerator.