[{"data":1,"prerenderedAt":4952},["ShallowReactive",2],{"fr-blog/gestion-du-budget":3,"fr-global-content":765,"fr-article-global-content":2094,"fr-blog-article-more-articles-undefined":2347,"fr-blog-article-more-articles-213425740":4947},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":752,"full_slug":753,"sort_by_date":52,"position":754,"tag_list":755,"is_startpage":29,"parent_id":756,"meta_data":52,"group_id":757,"first_published_at":758,"release_id":52,"lang":58,"path":52,"alternates":759,"default_full_slug":760,"translated_slugs":761},"5 conseils pour la gestion du budget en entreprise","2022-11-02T17:47:19.197Z","2026-09-25T11:20:05.895Z","2026-09-25T11:20:05.920Z",213425740,"aa6041ac-f58b-4a00-8326-bd68d13ef112",{"_uid":11,"title":4,"author":12,"topics":68,"content":69,"category":648,"language":674,"component":661,"heroMedia":675,"publishedAt":682,"readingTime":683,"redirectUrl":23,"componentsAfterTheArticle":684},"23077153-7313-43ac-a66b-1c209ee059d9",{"name":13,"created_at":14,"published_at":15,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":50,"full_slug":51,"sort_by_date":52,"position":53,"tag_list":54,"is_startpage":29,"parent_id":55,"meta_data":52,"group_id":56,"first_published_at":57,"release_id":52,"lang":58,"path":52,"alternates":59,"default_full_slug":60,"translated_slugs":61,"_stopResolving":67},"Laurence Kermorgant","2022-10-19T17:43:32.473Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:22.250Z",206167982,"ad5e9865-33b0-4e4f-87fb-87854da52c85",{"_uid":20,"name":13,"links":21,"picture":36,"lastName":38,"component":39,"firstName":40,"description":41},"7b6af6e6-4cef-414b-b406-e7f20b9f0876",[22],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","fc35f0d4-4b24-4a61-9b3e-74da38f7994c",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/in/laurence-kermorgant-5018a52/","url","multilink","primary","cta",{"alt":37,"name":23,"focus":23,"title":23,"filename":37,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/c873863fcb/laurence-kermorgant.jpeg","Kermorgant","author","Laurence",{"type":42,"content":43},"doc",[44],{"type":45,"content":46},"paragraph",[47],{"text":48,"type":49},"Laurence Kermorgant est rédactrice web SEO. Diplômée d'expertise comptable, Laurence a 30 ans d'expérience professionnelle dans les métiers de la banque, du commissariat aux comptes et de la finance d'entreprise. Elle a exercé principalement dans les secteurs de l'agroalimentaire et de la métallurgie, tant dans des PME françaises que des groupes anglo-saxons et américains.","text","laurence-kermorgant","fr/blog/author/laurence-kermorgant",null,-860,[],176408854,"ea6e443c-29db-4708-b9a6-5239d19881b7","2022-11-02T15:25:44.771Z","fr",[],"blog/author/laurence-kermorgant",[62,63,65],{"path":60,"name":52,"lang":58,"published":52},{"path":60,"name":52,"lang":64,"published":52},"de",{"path":60,"name":52,"lang":66,"published":52},"es",true,[],{"type":42,"content":70},[71,75,86,96,102,111,119,127,135,143,147,157,163,173,178,202,210,214,224,229,239,249,254,275,291,296,306,323,327,340,345,367,372,388,402,407,424,428,438,443,452,468,473,489,494,504,508,518,523,533,543,548,558,568,573,598,614,619,641],{"type":45,"content":72},[73],{"text":74,"type":49},"L’établissement du budget constitue toujours une période forte et intense pour les équipes finance ainsi que les différents responsables de service. Pour autant, cet exercice de longue haleine présente une réelle utilité uniquement si vous l’exploitez après.",{"type":45,"content":76},[77,79,84],{"text":78,"type":49},"C’est bien le rôle de la ",{"text":80,"type":49,"marks":81},"gestion du budget en entreprise",[82],{"type":83},"bold",{"text":85,"type":49},". Vous souhaitez optimiser l’efficacité de votre suivi budgétaire ? Voici nos 5 meilleurs conseils organisationnels pour mener un tel projet avec les équipes de la DAF.",{"type":45,"content":87},[88],{"type":89,"attrs":90},"blok",{"body":91},[92],{"_uid":93,"html":94,"component":95},"9a0e942f-e98d-43d9-8e45-1519512bd31d","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\">\u003Cspan class=\"hs-cta-node hs-cta-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\" id=\"hs-cta-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '71c6c258-5bcf-4c10-aa0f-75b3df2f6f5f', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":97,"attrs":98,"content":100},"heading",{"level":99},2,[101],{"text":4,"type":49},{"type":45,"content":103},[104],{"text":105,"type":49,"marks":106},"1 - Le bon timing pour l’élaboration du budget prévisionnel annuel",[107],{"type":108,"attrs":109},"link",{"href":110,"title":52},"#Point1",{"type":45,"content":112},[113],{"text":114,"type":49,"marks":115},"2 - Se servir du budget en comptabilité pour les arrêtés mensuels",[116],{"type":108,"attrs":117},{"href":118,"title":52},"#Point2",{"type":45,"content":120},[121],{"text":122,"type":49,"marks":123},"3 - Utiliser une application de gestion du budget",[124],{"type":108,"attrs":125},{"href":126,"title":52},"#Point3",{"type":45,"content":128},[129],{"text":130,"type":49,"marks":131},"4 - Associer les responsables de service au contrôle budgétaire de l’entreprise",[132],{"type":108,"attrs":133},{"href":134,"title":52},"#Point4",{"type":45,"content":136},[137],{"text":138,"type":49,"marks":139},"5 - Savoir réviser le budget prévisionnel d’une entreprise",[140],{"type":108,"attrs":141},{"href":142,"title":52},"#Point5",{"type":97,"attrs":144,"content":145},{"level":99},[146],{"text":105,"type":49},{"type":45,"content":148},[149,151,155],{"text":150,"type":49},"Le timing, c’est la base. La période d’élaboration du prévisionnel ",{"text":152,"type":49,"marks":153},"influe sur la bonne gestion du budget en entreprise",[154],{"type":83},{"text":156,"type":49},". Elle le précède et doit donc intervenir au bon moment. Voyons pourquoi et comment.",{"type":97,"attrs":158,"content":160},{"level":159},3,[161],{"text":162,"type":49},"1.1 - Finaliser le budget prévisionnel suffisamment tôt pour lancer le suivi budgétaire",{"type":45,"content":164},[165,167,171],{"text":166,"type":49},"C’est peut-être enfoncer une porte ouverte, mais oui, le budget doit être ",{"text":168,"type":49,"marks":169},"disponible avant le début de l’exercice suivant",[170],{"type":83},{"text":172,"type":49},". Mettre en place le suivi budgétaire prend du temps. Organiser les fichiers ou charger les données du plan prévisionnel dans votre application comptable ne s’improvise pas. En outre, si certaines écritures se calculent à partir du budget, comme nous le recommandons ci-après, cela aussi se prépare.",{"type":97,"attrs":174,"content":175},{"level":159},[176],{"text":177,"type":49},"1.2 - Élaborer le budget avec suffisamment de recul sur l’année en cours",{"type":45,"content":179},[180,182,194,196,200],{"text":181,"type":49},"Dans l’autre sens, la ",{"text":80,"type":49,"marks":183},[184],{"type":108,"attrs":185},{"href":186,"uuid":187,"title":52,"anchor":52,"target":52,"linktype":188,"story":189},"gestion-budgets-entreprise","8a6a8d73-42cd-4f31-8c27-216870bc5015","story",{"name":190,"id":191,"uuid":187,"slug":186,"url":192,"full_slug":193,"_stopResolving":67},"Tout pour une gestion budgétaire optimale dans votre entreprise",208803051,"blog/gestion-budgets-entreprise","fr/blog/gestion-budgets-entreprise",{"text":195,"type":49}," exige de comparer le réalisé comptable avec un ",{"text":197,"type":49,"marks":198},"plan prévisionnel cohérent",[199],{"type":83},{"text":201,"type":49},". Il doit être validé par les dirigeants et ne pas être sujet à caution. Rien de pire qu’une société qui sort ses résultats comptables de janvier en complet décalage avec ses budgets mensuels. Vous risquez d’être confronté au désintérêt des managers et à un rejet de l’outil budgétaire pour le pilotage des affaires.",{"type":45,"content":203},[204,208],{"text":205,"type":49,"marks":206},"Préparez donc votre prévisionnel pour N+1 juste à temps",[207],{"type":83},{"text":209,"type":49},". Attendez de disposer de suffisamment de recul sur l’année en cours. Veillez à ce que les tendances retenues soient réalistes afin de bâtir des objectifs solides pour l’année suivante. Commencer trop tôt comme c’est souvent la mode dans les grandes entreprises ne constitue pas toujours une bonne idée.",{"type":97,"attrs":211,"content":212},{"level":99},[213],{"text":114,"type":49},{"type":45,"content":215},[216,218,222],{"text":217,"type":49},"Votre prévisionnel est finalisé, validé, dans la boîte ? Avant de vous lancer dans l’organisation du suivi budgétaire, ",{"text":219,"type":49,"marks":220},"commencez par communiquer avec le service comptable",[221],{"type":83},{"text":223,"type":49},". Une bonne gestion du budget en entreprise s’effectue de concert avec la comptabilité, même si nous parlons bien d’un prévisionnel.",{"type":97,"attrs":225,"content":226},{"level":159},[227],{"text":228,"type":49},"2.1 - Le budget se nourrit de la comptabilité et inversement",{"type":45,"content":230},[231,233,237],{"text":232,"type":49},"Pour préparer des prévisions cohérentes, nous recommandons de ",{"text":234,"type":49,"marks":235},"commencer par l’élaboration du prévisionnel de l’exercice en cours",[236],{"type":83},{"text":238,"type":49},". On parle en général d’estimé ou d’atterrissage. Vous partez des données comptables des 7 à 9 premiers mois. Vous travaillez les prévisions de fin d’exercice sur cette base. Ensuite vient le temps de construire l’année N+1.",{"type":45,"content":240},[241,243,247],{"text":242,"type":49},"Inversement, une partie des informations du budget présente un réel intérêt pour les situations comptables mensuelles. C’est judicieux de se caler sur les postes de coûts du budget pour établir certaines ",{"text":244,"type":49,"marks":245},"provisions de charges à payer ou les calculs d’abonnements",[246],{"type":83},{"text":248,"type":49},". Vous évitez, surtout en début d’exercice, des pertes de temps et d’énergie inutiles pour expliquer des écarts qui n’existent pas.",{"type":97,"attrs":250,"content":251},{"level":159},[252],{"text":253,"type":49},"2.2 - Les données budgétaires à utiliser par les comptables",{"type":45,"content":255},[256,260,273],{"text":257,"type":49,"marks":258},"Par exemple, citons le ",[259],{"type":83},{"text":261,"type":49,"marks":262},"budget marketing",[263,264],{"type":83},{"type":108,"attrs":265},{"href":266,"uuid":267,"title":52,"anchor":52,"target":52,"linktype":188,"story":268},"budget-marketing","4df5bf58-3aac-45dc-9d48-8858cd70594f",{"name":269,"id":270,"uuid":267,"slug":266,"url":271,"full_slug":272,"_stopResolving":67},"Budget marketing : comment planifier et gérer vos dépenses ?",208735307,"blog/budget-marketing","fr/blog/budget-marketing",{"text":274,"type":49},". Ce sont typiquement des postes de dépenses non linéaires sur l’exercice comptable. L’abonnement des charges prend tout son intérêt. Vous comptabilisez ainsi les factures en compte de bilan 488 et vous lissez la charge au résultat par 12e. Bien sûr, le suivi des dépenses s’impose, plus on avance dans l’année. En cas de dépassement prévisible du budget, ajustez les abonnements comptables pour ne pas avoir de mauvaise surprise sur le dernier mois.",{"type":45,"content":276},[277,279,283,285,289],{"text":278,"type":49},"Ce système d’abonnement est pertinent pour de ",{"text":280,"type":49,"marks":281},"nombreuses charges comme les honoraires",[282],{"type":83},{"text":284,"type":49}," d’avocats, d’expert-comptable ou de commissaire aux comptes. Citons également ",{"text":286,"type":49,"marks":287},"les taxes telles",[288],{"type":83},{"text":290,"type":49}," la CVAE, la CFE ou la TVS.",{"type":97,"attrs":292,"content":293},{"level":159},[294],{"text":295,"type":49},"2.3 - La participation du service comptable au suivi budgétaire",{"type":45,"content":297},[298,300,304],{"text":299,"type":49},"En associant le service comptable à la gestion du budget en entreprise, ",{"text":301,"type":49,"marks":302},"votre suivi gagne en pertinence et en efficacité",[303],{"type":83},{"text":305,"type":49},". Avec des abonnements ou des charges à payer calés sur le prévisionnel, vos contrôleurs de gestion ne recherchent plus d’explications pour des écarts finalement inexistants. En outre, la bonne compréhension des enjeux par les comptables permet de les faire participer en alertant les contrôleurs financiers des dérives.",{"type":45,"content":307},[308,310,314,316,321],{"text":309,"type":49},"Pour le ",{"text":311,"type":49,"marks":312},"budget d’investissement",[313],{"type":83},{"text":315,"type":49},", la collaboration avec la personne qui pilote le logiciel de gestion des immobilisations s’avère précieuse. C’est d’autant plus vrai avec un ",{"text":317,"type":49,"marks":318},"workflow",[319],{"type":320},"italic",{"text":322,"type":49}," qui trace tout de la commande à la validation de la facture. Étape par étape, le comptable visualise rapidement où se situe chaque opération dans le processus.",{"type":97,"attrs":324,"content":325},{"level":99},[326],{"text":122,"type":49},{"type":45,"content":328},[329,331,338],{"text":330,"type":49},"La digitalisation des entreprises apporte des fonctionnalités bien pratiques aux personnes responsables du contrôle budgétaire. En utilisant une ",{"text":332,"type":49,"marks":333},"application de gestion du budget",[334,335],{"type":83},{"type":108,"attrs":336},{"href":337,"title":52},"https://www.spendesk.com/fr/product/budget/",{"text":339,"type":49},", vous automatisez le processus de comparaison des données comptables réelles avec les prévisions. Disposer de telles ressources techniques coûte de l’argent, mais le retour sur investissement d’un tel projet s’avère rapide. Il n’a pas de prix.",{"type":97,"attrs":341,"content":342},{"level":159},[343],{"text":344,"type":49},"3.1 - La gestion du budget en entreprise exige des outils de suivi",{"type":45,"content":346},[347,349,353,355,359,361,365],{"text":348,"type":49},"Le développement incessant des données et le besoin de reportings en un clic ont entraîné l’apparition des ",{"text":350,"type":49,"marks":351},"outils décisionnels",[352],{"type":83},{"text":354,"type":49},". Il s’agit de solutions informatiques qui attaquent le ",{"text":356,"type":49,"marks":357},"big data",[358],{"type":320},{"text":360,"type":49}," ou de ",{"text":362,"type":49,"marks":363},"logiciels de dématérialisation",[364],{"type":83},{"text":366,"type":49}," qui gèrent également les budgets. Voilà deux types de projets destinés à faciliter le travail des contrôleurs de gestion dans vos équipes. Il est fini le temps où l’essentiel de leur mission consistait à ressaisir les informations dans Excel en vue d’établir les tableaux de bord.",{"type":97,"attrs":368,"content":369},{"level":159},[370],{"text":371,"type":49},"3.2 - Informatique décisionnelle et tableaux de bord : le suivi du budget prévisionnel",{"type":45,"content":373},[374,376,380,382,386],{"text":375,"type":49},"Avec une application de gestion du budget qui attaque la donnée comptable et la compare au budget, ",{"text":377,"type":49,"marks":378},"vous gagnez en temps",[379],{"type":83},{"text":381,"type":49},". Vos tableaux de bord, une fois paramétrés s’alimentent automatiquement à chaque situation mensuelle. Un outil de Business Intelligence comme « Tableau », « Qlik Sense » ou « Power BI » pour n’en citer que quelques-uns, apporte ",{"text":383,"type":49,"marks":384},"confort et productivité",[385],{"type":83},{"text":387,"type":49}," aux équipes.",{"type":45,"content":389},[390,394,396,400],{"text":391,"type":49,"marks":392},"L’interactivité avec les services",[393],{"type":83},{"text":395,"type":49}," de l’entreprise s’améliore avec des indicateurs pertinents et ",{"text":397,"type":49,"marks":398},"de beaux visuels",[399],{"type":83},{"text":401,"type":49},". La planification de la diffusion des KPI allège le travail de reporting.",{"type":97,"attrs":403,"content":404},{"level":159},[405],{"text":406,"type":49},"3.3 - Exemple d’application chez Spendesk pour le suivi des dépenses",{"type":45,"content":408},[409,411,415,417,422],{"text":410,"type":49},"Optez pour une ",{"text":412,"type":49,"marks":413},"application de gestion du budget tout-en-un",[414],{"type":83},{"text":416,"type":49},", qui pilote vos commandes, vos achats, vos factures, leur approbation et qui se charge du suivi budgétaire. Chez Spendesk, notre solution intuitive vous donne la vision sur un tableau de bord de toutes ces informations. Elle constitue un ",{"text":418,"type":49,"marks":419},"réel outil de conception et de contrôle budgétaire",[420],{"type":108,"attrs":421},{"href":337,"title":52},{"text":423,"type":49},".",{"type":97,"attrs":425,"content":426},{"level":99},[427],{"text":130,"type":49},{"type":45,"content":429},[430,432,436],{"text":431,"type":49},"Pour optimiser le pilotage du budget en entreprise, notre meilleur conseil reste ",{"text":433,"type":49,"marks":434},"la communication",[435],{"type":83},{"text":437,"type":49},". Le suivi des recettes, des marges ou des dépenses par le contrôleur de gestion seul dans son coin ne revêt aucun intérêt. Pour faire réagir les managers, l’interactivité s’impose.",{"type":97,"attrs":439,"content":440},{"level":159},[441],{"text":442,"type":49},"4.1 - Le contrôleur de gestion, un animateur du processus budgétaire",{"type":45,"content":444},[445,447,451],{"text":446,"type":49},"Même si les managers râlent quand on leur évoque le suivi budgétaire, c’est clairement une tâche qui leur incombe, tout autant qu’aux équipes de la DAF. La gestion du budget en entreprise consiste bien à piloter le business en surveillant les indicateurs clés, appelés KPI. Le contrôleur financier est d’abord un ",{"text":448,"type":49,"marks":449},"animateur du processus plus qu’un vérificateur",[450],{"type":83},{"text":423,"type":49},{"type":45,"content":453},[454,456,460,462,466],{"text":455,"type":49},"Faire parler les chiffres et réaliser du ",{"text":457,"type":49,"marks":458},"data storytelling",[459],{"type":320},{"text":461,"type":49}," exige de ",{"text":463,"type":49,"marks":464},"communiquer avec les responsables des différents budgets",[465],{"type":83},{"text":467,"type":49},", les managers donc. C’est au contrôleur de gestion de veiller à la diffusion des indicateurs et tableaux de bord. Il doit s’assurer de la bonne compréhension des informations en prodiguant si nécessaire une formation à ses interlocuteurs.",{"type":97,"attrs":469,"content":470},{"level":159},[471],{"text":472,"type":49},"4.2 - Les analyses des écarts réalisés/budgétés s’expliquent sur le terrain",{"type":45,"content":474},[475,477,481,483,487],{"text":476,"type":49},"En ",{"text":478,"type":49,"marks":479},"posant les bonnes questions au bon endroit",[480],{"type":83},{"text":482,"type":49},", le contrôleur de gestion récupère les explications essentielles à la compréhension des résultats. Son rôle exige de la proactivité et une prise de contact directe avec les opérationnels sur le terrain. Ensuite seulement, il peut travailler de concert avec les responsables de service. Il recherche les ",{"text":484,"type":49,"marks":485},"mesures correctives adaptées",[486],{"type":83},{"text":488,"type":49}," à l’atteinte des objectifs.",{"type":97,"attrs":490,"content":491},{"level":159},[492],{"text":493,"type":49},"4.3 - À plusieurs, on va plus loin en matière de prévisionnel",{"type":45,"content":495},[496,498,502],{"text":497,"type":49},"C’est le ",{"text":499,"type":49,"marks":500},"principe de l’intelligence collective",[501],{"type":83},{"text":503,"type":49},". Vos équipes finance doivent provoquer l’échange afin d’analyser les données des tableaux de bord. Souvent, c’est l’occasion de découvrir des dysfonctionnements ou des changements intervenus dans l’activité. C’est aussi une façon de confronter les idées du terrain avec la réalité des chiffres. Favorisez ces contacts. Un contrôleur de gestion qui n’est pas assis à son bureau en permanence, c’est la base !",{"type":97,"attrs":505,"content":506},{"level":99},[507],{"text":138,"type":49},{"type":45,"content":509},[510,512,516],{"text":511,"type":49},"Notre dernier conseil en vue d’une gestion de budget en entreprise réussie consiste à ",{"text":513,"type":49,"marks":514},"savoir se remettre en cause",[515],{"type":83},{"text":517,"type":49}," quand c’est nécessaire. Quoi de plus désagréable pour un CFO que des commentaires récurrents qui reviennent chaque mois à vos oreilles comme « l’écart est dû à un budget inadapté à la réalité de l’entreprise » !",{"type":97,"attrs":519,"content":520},{"level":159},[521],{"text":522,"type":49},"5.1 - Le budget annuel d’entreprise n’est pas figé dans le marbre",{"type":45,"content":524},[525,527,531],{"text":526,"type":49},"Le budget ne doit pas être figé pour douze mois systématiquement, qu’il s’agisse du prévisionnel de ventes ou de trésorerie par exemple. 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Abonnez-vous à notre newsletter pour rester informé.",[2197,2198],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2200],{"cta":2201,"_uid":2202,"items":2203,"heading":2324,"reverse":29,"component":743,"sectionSettings":2345},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2204,2265],{"_uid":2205,"title":2206,"component":691,"description":2207},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?",{"type":42,"content":2208},[2209,2213],{"type":45,"content":2210},[2211],{"text":2212,"type":49},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2214,"attrs":2215,"content":2218},"ordered_list",{"order":2216},{"order":2217},1,[2219,2232,2243],{"type":2220,"content":2221},"list_item",[2222],{"type":45,"content":2223},[2224,2228,2230],{"text":2225,"type":49,"marks":2226},"Les dépenses stratégiques",[2227],{"type":83},{"text":2229,"type":49}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":2231},{"type":2231},{"text":2264,"type":49},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2266,"title":2267,"component":691,"description":2268},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":42,"content":2269},[2270,2274,2278,2287,2291,2295,2304,2308,2312,2316,2320],{"type":45,"content":2271},[2272],{"text":2273,"type":49},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":45,"content":2275},[2276],{"text":2277,"type":49},"Il s'agit notamment de cartes de débit pour remplacer les cartes bancaires traditionnelles, de cartes virtuelles pour les achats en ligne et de notes de frais automatisées pour les achats imprévus.",{"type":45,"content":2279},[2280,2284,2285],{"text":2281,"type":49,"marks":2282},"Pour les employés",[2283],{"type":83},{"type":2231},{"text":2286,"type":49},"Les employés n'ont plus besoin d'avancer de l'argent. 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Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":45,"content":2305},[2306],{"text":2307,"type":49},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. 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00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[2406],{"cta":2407,"_uid":2408,"items":2409,"heading":2572,"reverse":29,"component":743,"sectionSettings":2596},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[2410,2430,2457,2479,2494],{"_uid":2411,"hide":29,"title":2412,"component":691,"description":2413},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":42,"attrs":2414,"content":2415},{"backgroundColor":52},[2416,2425],{"type":45,"attrs":2417,"content":2418},{"textAlign":52},[2419,2423],{"text":2420,"type":49,"marks":2421},"Dans le régime général, non.",[2422],{"type":83},{"text":2424,"type":49}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":45,"attrs":2426,"content":2427},{"textAlign":52},[2428],{"text":2429,"type":49},"Certaines exceptions existent 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Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":2431,"hide":29,"title":2432,"component":691,"description":2433},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":42,"attrs":2434,"content":2435},{"backgroundColor":52},[2436,2447],{"type":45,"attrs":2437,"content":2438},{"textAlign":52},[2439,2441,2445],{"text":2440,"type":49},"Une facture périodique doit être réglée au plus tard ",{"text":2442,"type":49,"marks":2443},"45 jours après sa date d’émission",[2444],{"type":83},{"text":2446,"type":49},", sans report en fin de mois.",{"type":45,"attrs":2448,"content":2449},{"textAlign":52},[2450,2452,2456],{"text":2451,"type":49},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":2453,"type":49,"marks":2454},"15 décembre 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change-t-elle les délais de paiement ?",{"type":42,"attrs":2483,"content":2484},{"backgroundColor":52},[2485],{"type":45,"attrs":2486,"content":2487},{"textAlign":52},[2488,2492],{"text":2489,"type":49,"marks":2490},"Elle change le circuit de traitement, mais pas les délais légaux.",[2491],{"type":83},{"text":2493,"type":49}," L’Observatoire des délais de paiement ne prévoit pas de baisse automatique des retards, car ceux-ci dépendent aussi des processus internes d’approbation et de paiement.",{"_uid":2495,"hide":29,"title":2496,"component":691,"description":2497},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":42,"attrs":2498,"content":2499},{"backgroundColor":52},[2500,2510,2520,2525,2532,2537,2561],{"type":45,"attrs":2501,"content":2502},{"textAlign":52},[2503,2505,2509],{"text":2504,"type":49},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit 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électronique des PME : calendrier 2026-2027, plateforme agréée, PPF, données à préparer et étapes pour réussir la mise en conformité.",[],[2649],{"cta":2650,"_uid":2651,"items":2652,"heading":2741,"reverse":29,"component":743,"sectionSettings":2765},[],"d1adf0be-b475-4141-be84-e6809c10956b",[2653,2668,2682,2697,2712,2726],{"_uid":2654,"hide":29,"title":2655,"component":691,"description":2656},"fe4099b6-a5df-4d02-9ea0-58289ab19094","Le PPF permet-il encore d’envoyer gratuitement ses factures ?",{"type":42,"attrs":2657,"content":2658},{"backgroundColor":52},[2659],{"type":45,"attrs":2660,"content":2661},{"textAlign":52},[2662,2666],{"text":2663,"type":49,"marks":2664},"Non.",[2665],{"type":83},{"text":2667,"type":49}," Les factures doivent désormais passer par au moins une plateforme agréée choisie par l’entreprise. Le PPF conserve principalement son rôle d’annuaire et de concentrateur des données fiscales.",{"_uid":2669,"hide":29,"title":2670,"component":691,"description":2671},"f42d1662-5cd3-4d63-8a41-3f0d7a18bf1b","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":42,"attrs":2672,"content":2673},{"backgroundColor":52},[2674],{"type":45,"attrs":2675,"content":2676},{"textAlign":52},[2677,2680],{"text":2663,"type":49,"marks":2678},[2679],{"type":83},{"text":2681,"type":49}," Un simple PDF envoyé par e-mail ne correspond pas au format attendu par la réforme. À partir du 1er septembre 2027, les PME devront émettre leurs factures dans un format électronique conforme, comme UBL, CII ou Factur-X selon leur solution.",{"_uid":2683,"hide":29,"title":2684,"component":691,"description":2685},"9a89eddd-acc8-425f-b157-7646aa722463","Les micro-entrepreneurs sont-ils concernés par la réforme ?",{"type":42,"attrs":2686,"content":2687},{"backgroundColor":52},[2688],{"type":45,"attrs":2689,"content":2690},{"textAlign":52},[2691,2695],{"text":2692,"type":49,"marks":2693},"Oui.",[2694],{"type":83},{"text":2696,"type":49}," Les micro-entrepreneurs et les entreprises en franchise en base de TVA sont également concernés lorsqu’ils sont assujettis. Ils doivent recevoir les factures électroniques depuis le 1er septembre 2026 et devront les émettre à partir du 1er septembre 2027.",{"_uid":2698,"hide":29,"title":2699,"component":691,"description":2700},"deb0c63c-218a-4a52-bc77-d888166c31f7","Une entreprise qui ne facture pas de TVA est-elle concernée ?",{"type":42,"attrs":2701,"content":2702},{"backgroundColor":52},[2703],{"type":45,"attrs":2704,"content":2705},{"textAlign":52},[2706,2710],{"text":2707,"type":49,"marks":2708},"Oui, dès lors qu’elle est assujettie à la TVA",[2709],{"type":83},{"text":2711,"type":49},", y compris lorsqu’elle bénéficie de la franchise en base. Les mêmes échéances de réception et d’émission s’appliquent.",{"_uid":2713,"hide":29,"title":2714,"component":691,"description":2715},"29a0e8d1-074b-44ce-b48f-c9150b51026a","Peut-on utiliser plusieurs plateformes agréées ?",{"type":42,"attrs":2716,"content":2717},{"backgroundColor":52},[2718],{"type":45,"attrs":2719,"content":2720},{"textAlign":52},[2721,2724],{"text":2692,"type":49,"marks":2722},[2723],{"type":83},{"text":2725,"type":49}," Une PME peut par exemple utiliser une plateforme pour les factures fournisseurs et une autre pour ses ventes. L’annuaire doit néanmoins identifier clairement la plateforme et l’adresse utilisées pour recevoir les factures.",{"_uid":2727,"hide":29,"title":2728,"component":691,"description":2729},"603ca885-e519-473f-9fab-26b658df71b3","Un opérateur de dématérialisation suffit-il ?",{"type":42,"attrs":2730,"content":2731},{"backgroundColor":52},[2732],{"type":45,"attrs":2733,"content":2734},{"textAlign":52},[2735,2739],{"text":2736,"type":49,"marks":2737},"Non, sauf s’il est lui-même agréé.",[2738],{"type":83},{"text":2740,"type":49}," Un OD ou une autre solution compatible doit être raccordé à une plateforme agréée pour participer aux échanges prévus par la réforme. 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Chez Stripe, les tarifs consultés en octobre 2026 indiquent 1,4 % + 0,10 € pour une carte de l’EEE, auxquels s’ajoutent 0,10 € par autorisation Tap to Pay.",{"_uid":2851,"hide":29,"title":2852,"component":691,"description":2853},"04a61e09-88b1-4970-a50b-47064edbcf97","Peut-on encaisser plus de 50 € avec Tap to Pay ?",{"type":42,"attrs":2854,"content":2855},{"backgroundColor":52},[2856],{"type":45,"attrs":2857,"content":2858},{"textAlign":52},[2859,2862],{"text":2692,"type":49,"marks":2860},[2861],{"type":83},{"text":2863,"type":49}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":2865,"hide":29,"title":2866,"component":691,"description":2867},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":42,"attrs":2868,"content":2869},{"backgroundColor":52},[2870],{"type":45,"attrs":2871,"content":2872},{"textAlign":52},[2873,2875,2879],{"text":2874,"type":49},"Il faut au minimum ",{"text":2876,"type":49,"marks":2877},"un compte marchand auprès d’un prestataire compatible",[2878],{"type":83},{"text":2880,"type":49},", qui collecte les paiements puis reverse les fonds à votre entreprise. Chaque prestataire fixe ses propres conditions d’ouverture.",{"_uid":2882,"hide":29,"title":2883,"component":691,"description":2884},"b82a2c38-1c4f-46fb-a3fe-b11f1e846ca1","Une carte virtuelle d’entreprise fonctionne-t-elle avec Apple Pay ?",{"type":42,"attrs":2885,"content":2886},{"backgroundColor":52},[2887],{"type":45,"attrs":2888,"content":2889},{"textAlign":52},[2890,2894],{"text":2891,"type":49,"marks":2892},"Oui, si son émetteur l’autorise.",[2893],{"type":83},{"text":2895,"type":49}," Elle peut alors être ajoutée dans l’app Cartes et utilisée avec Face ID, Touch ID ou le code de l’appareil. 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Dans l’exemple illustratif de cet article, le délai varie de ",{"text":3016,"type":49,"marks":3017},"4,3 à 16,7 mois",[3018],{"type":83},{"text":3020,"type":49}," selon le scénario. Ces chiffres ne constituent pas une garantie de résultat.",{"_uid":3022,"hide":29,"title":3023,"component":691,"description":3024},"a7c098cb-6d0a-46c6-a029-e9974db07749","Faut-il compter tout le temps gagné comme une économie ?",{"type":42,"attrs":3025,"content":3026},{"backgroundColor":52},[3027],{"type":45,"attrs":3028,"content":3029},{"textAlign":52},[3030,3033,3035,3039],{"text":2663,"type":49,"marks":3031},[3032],{"type":83},{"text":3034,"type":49}," Le temps gagné ne devient une économie que s’il est réaffecté à une activité mesurable ou s’il permet d’éviter un coût, comme un recrutement supplémentaire. Sinon, mieux vaut le présenter comme de la ",{"text":3036,"type":49,"marks":3037},"capacité libérée",[3038],{"type":83},{"text":423,"type":49},{"_uid":3041,"hide":29,"title":3042,"component":691,"description":3043},"24bc1289-0edf-4a6b-acc1-6fb450e96e41","Combien de temps faut-il pour déployer une solution de gestion des dépenses ?",{"type":42,"attrs":3044,"content":3045},{"backgroundColor":52},[3046],{"type":45,"attrs":3047,"content":3048},{"textAlign":52},[3049,3051,3055],{"text":3050,"type":49},"La durée dépend notamment de l’intégration comptable, du paramétrage des règles et de la mise à jour de la politique de dépenses. 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comment choisir une carte virtuelle d’entreprise selon vos usages, vos besoins de contrôle, de sécurité et de suivi des dépenses.",[],[3152],{"cta":3153,"_uid":3154,"items":3155,"heading":3264,"reverse":29,"component":743,"sectionSettings":3288},[],"c9d565f8-622e-4891-aaa4-c6e1283b588e",[3156,3173,3190,3205,3224,3247],{"_uid":3157,"hide":29,"title":3158,"component":691,"description":3159},"84902400-0416-4c40-932b-874b0ac98008","Quels services de cartes virtuelles choisir pour une utilisation quotidienne en entreprise ?",{"type":42,"attrs":3160,"content":3161},{"backgroundColor":52},[3162],{"type":45,"attrs":3163,"content":3164},{"textAlign":52},[3165,3167,3171],{"text":3166,"type":49},"Pour un usage individuel, ",{"text":3168,"type":49,"marks":3169},"une application grand public ou une e-carte bancaire peut suffire",[3170],{"type":83},{"text":3172,"type":49},". Lorsque plusieurs collaborateurs effectuent des achats, une plateforme de gestion des dépenses permet de donner à chacun une carte nominative avec son propre plafond et ses propres règles.",{"_uid":3174,"hide":29,"title":3175,"component":691,"description":3176},"1168181e-92ab-46a6-a556-f60c04bd4385","Une carte virtuelle d’entreprise est-elle payante ?",{"type":42,"attrs":3177,"content":3178},{"backgroundColor":52},[3179],{"type":45,"attrs":3180,"content":3181},{"textAlign":52},[3182,3184,3188],{"text":3183,"type":49},"Cela dépend de l’émetteur. Certaines banques proposent gratuitement leur e-carte, tandis que d’autres la facturent jusqu’à ",{"text":3185,"type":49,"marks":3186},"15 € par an",[3187],{"type":83},{"text":3189,"type":49}," selon Les clés de la banque. Sur une plateforme de gestion des dépenses, les cartes sont généralement comprises dans l’offre souscrite.",{"_uid":3191,"hide":29,"title":3192,"component":691,"description":3193},"99170121-db37-46d6-aa43-d37003327a29","Peut-on payer un hôtel ou une location de voiture avec une carte virtuelle ?",{"type":42,"attrs":3194,"content":3195},{"backgroundColor":52},[3196],{"type":45,"attrs":3197,"content":3198},{"textAlign":52},[3199,3203],{"text":3200,"type":49,"marks":3201},"Pas toujours.",[3202],{"type":83},{"text":3204,"type":49}," Certains hôtels, loueurs de voitures et compagnies aériennes demandent encore la présentation de la carte physique utilisée lors de la réservation. Une carte physique d’entreprise reste donc utile pour ces situations.",{"_uid":3206,"hide":29,"title":3207,"component":691,"description":3208},"5aa48a97-db1e-4a06-99e3-4338778ab467","Une carte virtuelle à usage unique fonctionne-t-elle pour un abonnement ?",{"type":42,"attrs":3209,"content":3210},{"backgroundColor":52},[3211],{"type":45,"attrs":3212,"content":3213},{"textAlign":52},[3214,3217,3219,3223],{"text":2663,"type":49,"marks":3215},[3216],{"type":83},{"text":3218,"type":49}," La carte devient inutilisable après le premier paiement, ce qui ferait échouer le renouvellement suivant. Pour un abonnement, mieux vaut utiliser une ",{"text":3220,"type":49,"marks":3221},"carte réutilisable dédiée au fournisseur",[3222],{"type":83},{"text":423,"type":49},{"_uid":3225,"hide":29,"title":3226,"component":691,"description":3227},"4fa89413-bd14-4e2a-a25d-87536f74a382","Peut-on être remboursé d’un achat payé avec une carte virtuelle à usage unique ?",{"type":42,"attrs":3228,"content":3229},{"backgroundColor":52},[3230],{"type":45,"attrs":3231,"content":3232},{"textAlign":52},[3233,3237,3239,3245],{"text":3234,"type":49,"marks":3235},"Oui, généralement.",[3236],{"type":83},{"text":3238,"type":49}," Le remboursement est crédité sur le compte auquel la carte était rattachée, même si la carte virtuelle a expiré entre-temps. ",{"text":3240,"type":49,"marks":3241},"BoursoBank",[3242],{"type":108,"attrs":3243},{"href":3244,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.boursobank.com/aide-en-ligne/carte-bancaire/carte-virtuelle/question/puis-je-me-faire-rembourser-un-paiement-effectue-avec-ma-carte-virtuelle-50943845",{"text":3246,"type":49}," le confirme pour ses propres cartes, mais les conditions peuvent varier selon l’émetteur.",{"_uid":3248,"hide":29,"title":3249,"component":691,"description":3250},"79186bae-d2cf-4557-bee0-681c2b8fd972","Combien de temps faut-il pour bloquer une carte virtuelle ?",{"type":42,"attrs":3251,"content":3252},{"backgroundColor":52},[3253],{"type":45,"attrs":3254,"content":3255},{"textAlign":52},[3256,3258,3262],{"text":3257,"type":49},"Lorsqu’elle est gérée depuis une application ou une plateforme adaptée, ",{"text":3259,"type":49,"marks":3260},"une carte virtuelle peut être bloquée immédiatement",[3261],{"type":83},{"text":3263,"type":49}," depuis l’interface. 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Découvrez les données Spendesk 2026 sur les dépenses en Europe.",[3354],{"cta":3355,"_uid":3362,"image":3363,"title":3368,"subtitle":23,"component":2127,"imageFullWidth":67},[3356],{"tag":23,"_uid":3357,"hide":29,"icon":3358,"link":3360,"type":23,"label":23,"style":34,"component":35,"mobileLabel":23,"onClickEvent":23,"openInANewTab":67,"horizontalFill":29},"559eb7f3-d0d1-420f-929a-0c732e4886f6",{"id":52,"alt":52,"name":23,"focus":52,"title":52,"source":52,"filename":23,"copyright":52,"fieldtype":28,"meta_data":3359},{},{"id":1391,"url":23,"linktype":188,"fieldtype":33,"cached_url":1392,"prep":67,"story":3361},{"name":1394,"id":1395,"uuid":1391,"slug":1396,"url":1397,"full_slug":1398,"_stopResolving":67},"8b3fdf1e-0536-41ce-bd2b-6418c212ff22",{"id":3364,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3365,"copyright":23,"fieldtype":28,"meta_data":3366,"is_external_url":29},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":3367},"1700x465",{"type":42,"content":3369},[3370],{"type":45},[3372],{"cta":3373,"_uid":3374,"items":3375,"heading":3472,"reverse":29,"component":743,"sectionSettings":3496},[],"c53a17e3-2f34-45eb-96aa-8a0aa98aff4c",[3376,3389,3400,3413,3426,3437,3450,3461],{"_uid":3377,"hide":29,"title":3378,"component":691,"description":3379},"298b7db2-f4d8-463e-8f25-542b89772cd4","Qu’est-ce que la gestion des dépenses SaaS, et pourquoi est-elle importante pour les équipes Finance ?",{"type":42,"attrs":3380,"content":3381},{"backgroundColor":52},[3382,3387],{"type":45,"attrs":3383,"content":3384},{"textAlign":52},[3385],{"text":3386,"type":49},"La gestion des dépenses SaaS consiste à suivre, approuver, contrôler et réévaluer les abonnements logiciels utilisés dans l’entreprise. Elle permet aux équipes Finance de savoir qui est responsable de chaque outil, combien il coûte, s’il est réellement utilisé et quand son renouvellement est prévu. Les entreprises peuvent ainsi identifier les dépenses inutiles, comparer les prix et éviter les renouvellements dont elles n’ont pas besoin.",{"type":97,"attrs":3388},{"level":159,"textAlign":52},{"_uid":3390,"hide":29,"title":3391,"component":691,"description":3392},"2205b34b-3642-467d-b57d-00f74eb0ea8a","Combien les entreprises européennes dépensent-elles en logiciels SaaS ?",{"type":42,"attrs":3393,"content":3394},{"backgroundColor":52},[3395],{"type":45,"attrs":3396,"content":3397},{"textAlign":52},[3398],{"text":3399,"type":49},"Selon l’étude de Spendesk, l’entreprise européenne moyenne de notre échantillon dépense près de 250 000 € par an en logiciels.",{"_uid":3401,"hide":29,"title":3402,"component":691,"description":3403},"fc248c7d-c0ef-42f2-8896-bd99d597a6fa","Comment les équipes Finance peuvent-elles suivre les abonnements SaaS utilisés par plusieurs départements ?",{"type":42,"attrs":3404,"content":3405},{"backgroundColor":52},[3406,3411],{"type":45,"attrs":3407,"content":3408},{"textAlign":52},[3409],{"text":3410,"type":49},"Les équipes Finance doivent disposer d’une vue centralisée des factures, paiements par carte et abonnements récurrents, avec pour chaque outil le département concerné, le responsable de la dépense, les informations d’utilisation et la date de renouvellement. Cette approche remplace les feuilles de calcul dispersées par un processus cohérent permettant de suivre les dépenses logicielles, d’anticiper les renouvellements et d’identifier les possibilités de consolidation ou de renégociation.",{"type":97,"attrs":3412},{"level":159,"textAlign":52},{"_uid":3414,"hide":29,"title":3415,"component":691,"description":3416},"2cb2bede-0d0e-469e-9e2b-4bc8df677c31","Comment identifier et supprimer les abonnements en doublon ou devenus inutiles ?",{"type":42,"attrs":3417,"content":3418},{"backgroundColor":52},[3419,3424],{"type":45,"attrs":3420,"content":3421},{"textAlign":52},[3422],{"text":3423,"type":49},"Les entreprises peuvent comparer les fournisseurs par catégorie, examiner leur niveau d’utilisation et leur responsable, puis identifier les abonnements qui n’ont plus d’utilisateurs actifs ou de raison d’être claire. Dans notre échantillon, 72 % des entreprises utilisant des outils d’IA payaient pour au moins deux solutions concurrentes, tandis que 64 % des utilisateurs de logiciels de design disposaient d’abonnements parallèles. Des workflows d’approbation, un responsable clairement identifié pour chaque dépense et des revues avant renouvellement permettent d’éviter que des outils inutilisés ou en doublon continuent d’être facturés sans que personne ne s’en rende compte.",{"type":97,"attrs":3425},{"level":159,"textAlign":52},{"_uid":3427,"hide":29,"title":3428,"component":691,"description":3429},"8040349d-c86b-4a5f-a574-21a2cddd5e03","Comment les cartes virtuelles et les contrôles des dépenses peuvent-ils aider à gérer les abonnements SaaS et les coûts liés à l’IA ?",{"type":42,"attrs":3430,"content":3431},{"backgroundColor":52},[3432],{"type":45,"attrs":3433,"content":3434},{"textAlign":52},[3435],{"text":3436,"type":49},"Les cartes virtuelles et les contrôles associés aux cartes intelligentes permettent de mieux identifier et gérer les dépenses logicielles récurrentes ou facturées à l’usage. Les équipes Finance peuvent définir des limites de dépense, suivre les transactions en temps réel et recevoir des alertes en cas de hausse inattendue des coûts. Pour les abonnements SaaS à prix fixe, des revues avant renouvellement et une responsabilité clairement définie permettent d’éviter que des dépenses non approuvées continuent d’être facturées.",{"_uid":3438,"hide":29,"title":3439,"component":691,"description":3440},"36d62fa2-f73a-4003-b082-f1a3d5b8428d","Pourquoi les dépenses IA sont-elles plus difficiles à prévoir que les dépenses SaaS traditionnelles ?",{"type":42,"attrs":3441,"content":3442},{"backgroundColor":52},[3443,3448],{"type":45,"attrs":3444,"content":3445},{"textAlign":52},[3446],{"text":3447,"type":49},"Les logiciels SaaS traditionnels sont généralement facturés selon un montant mensuel relativement fixe, tandis que de nombreux outils d’IA facturent en fonction de l’utilisation. Dans notre échantillon, les dépenses totales consacrées à l’IA ont augmenté de 340 % en douze mois, alors même que le nombre d’entreprises qui en achetaient a très peu évolué. Les factures IA peuvent également varier fortement d’un mois à l’autre, le mois le plus cher pouvant atteindre jusqu’à huit fois le montant du mois le moins cher. Elles sont donc beaucoup plus difficiles à gérer avec un budget fixe traditionnel.",{"type":97,"attrs":3449},{"level":159,"textAlign":52},{"_uid":3451,"hide":29,"title":3452,"component":691,"description":3453},"d2672715-30b5-4229-be8d-9a86e15dbd0e","Comment les équipes Finance peuvent-elles contrôler les dépenses IA variables et les factures à l’usage ?",{"type":42,"attrs":3454,"content":3455},{"backgroundColor":52},[3456],{"type":45,"attrs":3457,"content":3458},{"textAlign":52},[3459],{"text":3460,"type":49},"Les dépenses IA doivent être gérées à l’aide d’une visibilité sur l’utilisation, de limites de dépense et d’alertes en temps réel, plutôt qu’avec une simple ligne budgétaire fixe. Ces contrôles permettent aux équipes Finance d’identifier rapidement une consommation inhabituelle de tokens ou une activité automatisée anormale, avant qu’un mois particulièrement coûteux n’arrive jusqu’à la clôture. Une carte intelligente assortie de limites de dépense et d’alertes peut apporter une couche de contrôle supplémentaire.",{"_uid":3462,"hide":29,"title":3463,"component":691,"description":3464},"0198b67b-1727-4625-97ba-394a99aa4c17","Que doivent rechercher les équipes Finance dans un logiciel de gestion des dépenses SaaS ?",{"type":42,"attrs":3465,"content":3466},{"backgroundColor":52},[3467],{"type":45,"attrs":3468,"content":3469},{"textAlign":52},[3470],{"text":3471,"type":49},"Les fonctionnalités les plus utiles sont notamment une vue centralisée des abonnements, l’affectation des dépenses à un responsable et à un département, des workflows d’approbation, des alertes de renouvellement, le contrôle des paiements récurrents, le suivi de l’utilisation, des limites de dépense, des alertes en temps réel et des outils de reporting. Pour les outils d’IA en particulier, la solution doit également donner une vision précise de la consommation afin d’aider les équipes Finance à passer d’un simple suivi des dépenses logicielles à un véritable contrôle des coûts liés à l’usage.",[3473],{"cta":3474,"_uid":3475,"title":3476,"layout":23,"eyebrow":3484,"subtitle":3491,"component":97,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3494,"sectionSettings":3495,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"a2fc864f-9f69-4fb0-87ae-9c41e5c010df",{"type":42,"attrs":3477,"content":3478},{"backgroundColor":52},[3479],{"type":97,"attrs":3480,"content":3481},{"level":99,"textAlign":52},[3482],{"text":3483,"type":49},"Questions fréquentes sur les dépenses 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budgétaires : méthode, seuils et actions 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00:00",[],"Analyse des écarts budgétaires : découvrez comment fixer les seuils, distinguer les causes et transformer le budget contre réel en outil de décision.",[],[3563],{"cta":3564,"_uid":3565,"items":3566,"heading":3617,"reverse":29,"component":743,"sectionSettings":3641},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3567,3584,3595,3606],{"_uid":3568,"hide":29,"title":3569,"component":691,"description":3570},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":42,"attrs":3571,"content":3572},{"backgroundColor":52},[3573],{"type":45,"attrs":3574,"content":3575},{"textAlign":52},[3576,3578,3582],{"text":3577,"type":49},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":3579,"type":49,"marks":3580},"projet reporté",[3581],{"type":83},{"text":3583,"type":49},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":3585,"hide":29,"title":3586,"component":691,"description":3587},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":42,"attrs":3588,"content":3589},{"backgroundColor":52},[3590],{"type":45,"attrs":3591,"content":3592},{"textAlign":52},[3593],{"text":3594,"type":49},"Un écart temporaire provient généralement d’un décalage de calendrier ou d’une dépense exceptionnelle. Un écart structurel traduit une tendance durable, comme une hausse de prix ou un budget sous-évalué, et nécessite une action de fond.",{"_uid":3596,"hide":29,"title":3597,"component":691,"description":3598},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":42,"attrs":3599,"content":3600},{"backgroundColor":52},[3601],{"type":45,"attrs":3602,"content":3603},{"textAlign":52},[3604],{"text":3605,"type":49},"Fixez le seuil absolu en fonction du budget global, du niveau de détail suivi et de l’impact du poste sur le résultat. Le seuil relatif peut se situer autour de 5 à 10 %, mais il doit être ajusté selon la nature de la dépense.",{"_uid":3607,"hide":29,"title":3608,"component":691,"description":3609},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":42,"attrs":3610,"content":3611},{"backgroundColor":52},[3612],{"type":45,"attrs":3613,"content":3614},{"textAlign":52},[3615],{"text":3616,"type":49},"Le responsable de budget explique les écarts de son périmètre. Le contrôleur de gestion consolide et challenge les analyses. La direction financière intervient lorsque l’écart nécessite une décision d’allocation ou une révision de prévision.",[3618],{"cta":3619,"_uid":3620,"title":3621,"eyebrow":3629,"subtitle":3636,"component":97,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3639,"sectionSettings":3640,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":42,"attrs":3622,"content":3623},{"backgroundColor":52},[3624],{"type":97,"attrs":3625,"content":3626},{"level":99,"textAlign":52},[3627],{"text":3628,"type":49},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":42,"attrs":3630,"content":3631},{"backgroundColor":52},[3632],{"type":45,"attrs":3633,"content":3634},{"textAlign":52},[3635],{"text":1064,"type":49},{"type":42,"content":3637},[3638],{"type":45},[],[],[],"analyse-des-ecarts-budgetaires","fr/blog/analyse-des-ecarts-budgetaires",-3430,[],"39605731-405d-4ed8-ba5f-6ee0217e6dc4",[],"blog/analyse-des-ecarts-budgetaires",[3650,3651,3652],{"path":3648,"name":52,"lang":58,"published":52},{"path":3648,"name":52,"lang":64,"published":52},{"path":3648,"name":52,"lang":66,"published":52},{"name":3654,"created_at":3655,"published_at":3656,"updated_at":3657,"id":3658,"uuid":3659,"content":3660,"slug":3793,"full_slug":3794,"sort_by_date":52,"position":3795,"tag_list":3796,"is_startpage":29,"parent_id":756,"meta_data":52,"group_id":3797,"first_published_at":3656,"release_id":52,"lang":58,"path":52,"alternates":3798,"default_full_slug":3799,"translated_slugs":3800},"Qu’est-ce que le MCP ? 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Le MCP est un ",{"text":3724,"type":49,"marks":3725},"standard de connexion",[3726],{"type":83},{"text":3728,"type":49},". Il permet à un assistant IA d’accéder à des données et à des outils externes dans un format commun. Il ne remplace pas le modèle d’IA et ne prend pas de décision par lui-même.",{"_uid":3730,"hide":29,"title":3731,"component":691,"description":3732},"5de51167-3a0a-4cca-94e5-3a5d2c15a1ad","Quelle est la différence entre le MCP et une API ?",{"type":42,"attrs":3733,"content":3734},{"backgroundColor":52},[3735],{"type":45,"attrs":3736,"content":3737},{"textAlign":52},[3738],{"text":3739,"type":49},"Une API permet à des applications d’échanger des données ou d’exécuter des fonctions. Le MCP fournit un cadre standardisé pour rendre ces données et ces fonctions accessibles à un assistant IA, souvent à partir d’une interface en langage naturel.",{"_uid":3741,"hide":29,"title":3742,"component":691,"description":3743},"01e0f0ec-81ce-4f08-b5ab-745c84be19cc","Que peut faire un assistant IA connecté aux données Finance ?",{"type":42,"attrs":3744,"content":3745},{"backgroundColor":52},[3746],{"type":45,"attrs":3747,"content":3748},{"textAlign":52},[3749,3751,3755],{"text":3750,"type":49},"Il peut rechercher des dépenses, comparer des périodes, identifier des anomalies, préparer un reporting ou aider à repérer les factures et justificatifs manquants. 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Elle transforme une politique de dépenses générale en ",{"text":3873,"type":49,"marks":3874},"règles concrètes",[3875],{"type":83},{"text":3877,"type":49},", applicables au quotidien.",{"_uid":3879,"hide":29,"title":3880,"component":691,"description":3881},"b85b28cf-7fbb-4f91-b192-1a57f30a63ca","Combien de niveaux d’approbation faut-il prévoir ?",{"type":42,"attrs":3882,"content":3883},{"backgroundColor":52},[3884],{"type":45,"attrs":3885,"content":3886},{"textAlign":52},[3887],{"text":3888,"type":49},"Trois ou quatre niveaux couvrent la plupart des organisations : validation simple, manager, Finance, puis direction. Au-delà, le circuit risque de ralentir les dépenses sans améliorer significativement le contrôle.",{"_uid":3890,"hide":29,"title":3891,"component":691,"description":3892},"2d923714-e38f-4afb-8fbc-fa6eee48593d","Comment fixer un seuil d’approbation ?",{"type":42,"attrs":3893,"content":3894},{"backgroundColor":52},[3895],{"type":45,"attrs":3896,"content":3897},{"textAlign":52},[3898,3900,3904],{"text":3899,"type":49},"Croisez trois critères : ",{"text":3901,"type":49,"marks":3902},"le montant",[3903],{"type":83},{"text":3905,"type":49},", la catégorie de dépense et le niveau de risque. Une dépense récurrente, un nouveau fournisseur ou un engagement pluriannuel peuvent nécessiter une validation renforcée, même si le montant reste inférieur au seuil habituel.",{"_uid":3907,"hide":29,"title":3908,"component":691,"description":3909},"e49e5ad1-ed3b-41f6-a8c3-00defdedd780","Comment éviter que les validations ralentissent l’entreprise ?",{"type":42,"attrs":3910,"content":3911},{"backgroundColor":52},[3912],{"type":45,"attrs":3913,"content":3914},{"textAlign":52},[3915],{"text":3916,"type":49},"Prévoyez une validation simple pour les petits montants, un approbateur de remplacement et un délai maximal de traitement. 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Il convient généralement aux services, aux abonnements et aux licences sans livraison physique.",{"type":45,"attrs":4166,"content":4167},{"textAlign":52},[4168,4170,4174],{"text":4169,"type":49},"Le rapprochement à trois voies ajoute le bon de livraison afin de contrôler ",{"text":4171,"type":49,"marks":4172},"les quantités réellement reçues",[4173],{"type":83},{"text":423,"type":49},{"_uid":4176,"hide":29,"title":4177,"component":691,"description":4178},"ebc3eb86-83d0-4ca3-8c37-778b8a5a0ac1","Quels écarts le rapprochement permet-il de détecter ?",{"type":42,"attrs":4179,"content":4180},{"backgroundColor":52},[4181,4186],{"type":45,"attrs":4182,"content":4183},{"textAlign":52},[4184],{"text":4185,"type":49},"Il permet notamment de repérer les écarts de prix et de quantité, les articles non commandés, les livraisons partielles facturées en totalité, les frais supplémentaires et les doublons.",{"type":45,"attrs":4187,"content":4188},{"textAlign":52},[4189,4191,4195],{"text":4190,"type":49},"Chaque écart doit ensuite être analysé selon ",{"text":4192,"type":49,"marks":4193},"les seuils et les règles définis par l’entreprise",[4194],{"type":83},{"text":423,"type":49},{"_uid":4197,"hide":29,"title":4198,"component":691,"description":4199},"aa2e2273-ef2c-4887-ab07-9c3e9c8fce3e","Le rapprochement à trois voies est-il obligatoire en France ?",{"type":42,"attrs":4200,"content":4201},{"backgroundColor":52},[4202,4207],{"type":45,"attrs":4203,"content":4204},{"textAlign":52},[4205],{"text":4206,"type":49},"Non, le three-way matching n’est pas une obligation légale générale. 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En pratique, alignez la conservation de l'avoir sur celle de la facture qu'il corrige.",{"_uid":4325,"title":4326,"component":691,"description":4327},"a77d9fc2-b790-4411-8b1b-4fbc74d5a5b0","Faut-il enregistrer la facture d'acompte elle-même ou seulement le paiement ?",{"type":42,"content":4328},[4329],{"type":45,"attrs":4330,"content":4331},{"textAlign":52},[4332],{"text":4333,"type":49},"C'est le règlement de l'acompte qui déclenche l'écriture au 4091 et au 44566. La facture d'acompte, elle, sert de justificatif indispensable pour déduire la TVA de manière anticipée.",{"_uid":4335,"title":4336,"component":691,"description":4337},"6c69d821-04e6-41b3-bfd1-d78288b6be4a","Quelle différence entre un avoir et un remboursement ?",{"type":42,"content":4338},[4339],{"type":45,"attrs":4340,"content":4341},{"textAlign":52},[4342],{"text":4343,"type":49},"L'avoir vient en déduction d'une facture à venir du même fournisseur, sans mouvement de trésorerie immédiat. Le remboursement, lui, est un flux financier réel, comptabilisé via le 512 en solde du compte fournisseur concerné.",{"_uid":4345,"title":4346,"component":691,"description":4347},"c8bf55a8-a821-4703-871e-16039e5ebaef","La TVA d'un acompte est-elle déductible immédiatement ?",{"type":42,"content":4348},[4349],{"type":45,"attrs":4350,"content":4351},{"textAlign":52},[4352],{"text":4353,"type":49},"Oui, depuis le 1er janvier 2023, dès l'encaissement de l'acompte par le fournisseur, biens et services confondus. 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Vous récupérez cette somme soit en ",{"text":4373,"type":49,"marks":4374},"demandant un remboursement au fournisseur",[4375],{"type":108,"attrs":4376},{"href":4377,"uuid":52,"anchor":52,"target":1807,"linktype":32},"https://www.keobiz.fr/le-mag/comptabilite-compte-fournisseur/",{"text":4379,"type":49},", soit en l'imputant sur une prochaine commande. Pensez également à ",{"text":4381,"type":49,"marks":4382},"régulariser la TVA déjà déduite",[4383],{"type":108,"attrs":4384},{"href":4385,"uuid":52,"anchor":52,"target":1807,"linktype":32},"https://www.impots.gouv.fr/professionnel/questions/comment-traiter-une-facture-davoir-sur-ma-declaration-de-tva",{"text":4387,"type":49}," sur la part excédentaire de l'acompte, puisqu'aucune charge ne vient plus la justifier.",[4389],{"cta":4390,"_uid":4391,"title":4392,"eyebrow":4399,"subtitle":4404,"component":97,"textAlign":23,"flexibleSection":4409,"sectionSettings":4410,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"69f33381-76a9-4105-88fa-d36edee4d267",{"type":42,"content":4393},[4394],{"type":97,"attrs":4395,"content":4396},{"level":99,"textAlign":52},[4397],{"text":4398,"type":49},"Questions 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00:00",[],"Facture d’acompte fournisseur, découvrez son calcul, les règles de TVA et les contrôles à effectuer avant le rapprochement avec la facture de solde.\n",[],[4470],{"cta":4471,"_uid":4472,"items":4473,"heading":4568,"reverse":29,"component":743,"sectionSettings":4594},[],"14e773e4-85a2-422c-acbc-8f11dcdf65a2",[4474,4495,4522,4546],{"_uid":4475,"hide":29,"title":4476,"component":691,"description":4477},"1685b4c9-e3d0-4743-9cec-6f2a0263ae82","La facture d’acompte est-elle obligatoire ?",{"type":42,"attrs":4478,"content":4479},{"backgroundColor":52},[4480,4485],{"type":45,"attrs":4481,"content":4482},{"textAlign":52},[4483],{"text":4484,"type":49},"Oui. Le fournisseur doit émettre une facture lorsqu’il encaisse un acompte, conformément à l’article 289 du Code général des impôts.",{"type":45,"attrs":4486,"content":4487},{"textAlign":52},[4488,4490,4494],{"text":4489,"type":49},"La facture doit comporter les mentions obligatoires, préciser qu’il s’agit d’un acompte et disposer ",{"text":4491,"type":49,"marks":4492},"d’un numéro appartenant à la série continue de facturation",[4493],{"type":83},{"text":423,"type":49},{"_uid":4496,"hide":29,"title":4497,"component":691,"description":4498},"e5c6a6d0-b87e-4842-a0ff-ae7513621fb9","La TVA est-elle due dès l’encaissement de l’acompte ?",{"type":42,"attrs":4499,"content":4500},{"backgroundColor":52},[4501,4506,4511],{"type":45,"attrs":4502,"content":4503},{"textAlign":52},[4504],{"text":4505,"type":49},"Oui, selon la nature de l’opération.",{"type":45,"attrs":4507,"content":4508},{"textAlign":52},[4509],{"text":4510,"type":49},"Pour les livraisons de biens, la TVA est exigible dès l’encaissement de l’acompte depuis le 1er janvier 2023. Pour les prestations de services, elle est en principe exigible dès l’encaissement.",{"type":45,"attrs":4512,"content":4513},{"textAlign":52},[4514,4516,4520],{"text":4515,"type":49},"La TVA facturée sur l’acompte doit être déduite ",{"text":4517,"type":49,"marks":4518},"une seule fois",[4519],{"type":83},{"text":4521,"type":49},", puis soustraite du montant restant à récupérer sur la facture de solde.",{"_uid":4523,"hide":29,"title":4524,"component":691,"description":4525},"ec8e23bc-5d17-4821-a1a0-77c2be8d9ccc","Un acompte est-il remboursable ?",{"type":42,"attrs":4526,"content":4527},{"backgroundColor":52},[4528,4533],{"type":45,"attrs":4529,"content":4530},{"textAlign":52},[4531],{"text":4532,"type":49},"En principe, l’acompte engage fermement les deux parties et n’est pas remboursable du seul fait d’un désistement.",{"type":45,"attrs":4534,"content":4535},{"textAlign":52},[4536,4538,4545],{"text":4537,"type":49},"Le remboursement peut toutefois intervenir lorsque le fournisseur n’exécute pas la prestation, lorsque le contrat le prévoit ou lorsque les parties conviennent d’annuler l’opération. Les arrhes obéissent à un régime différent, prévu par ",{"text":4539,"type":49,"marks":4540},"l’article 1590 du Code civil",[4541,4544],{"type":108,"attrs":4542},{"href":4543,"uuid":52,"anchor":52,"target":1807,"linktype":32},"https://www.service-public.gouv.fr/particuliers/vosdroits/F31187",{"type":83},{"text":423,"type":49},{"_uid":4547,"hide":29,"title":4548,"component":691,"description":4549},"7247af96-de8d-41d1-8544-0e3e3671eaad","Quelle différence entre une facture d’acompte et une facture de situation ?",{"type":42,"attrs":4550,"content":4551},{"backgroundColor":52},[4552,4557],{"type":45,"attrs":4553,"content":4554},{"textAlign":52},[4555],{"text":4556,"type":49},"La facture d’acompte correspond à un paiement anticipé prévu avant la livraison ou le début de la prestation.",{"type":45,"attrs":4558,"content":4559},{"textAlign":52},[4560,4562,4566],{"text":4561,"type":49},"La facture de situation correspond à ",{"text":4563,"type":49,"marks":4564},"l’avancement réel d’une prestation ou de travaux",[4565],{"type":83},{"text":4567,"type":49},". Elle est fréquente dans le BTP et se calcule selon les travaux effectivement réalisés.",[4569],{"cta":4570,"_uid":4571,"title":4572,"eyebrow":4582,"subtitle":4589,"component":97,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4592,"sectionSettings":4593,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"5a398c79-9777-49d5-be6c-5e7af530bb9f",{"type":42,"attrs":4573,"content":4574},{"backgroundColor":52},[4575],{"type":97,"attrs":4576,"content":4577},{"level":99,"textAlign":52},[4578],{"text":4579,"type":49,"marks":4580},"Questions fréquentes sur les factures d’acompte 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hors politique, apprenez à qualifier les exceptions, les faire valider et ajuster votre politique sans perdre le contrôle.",[],[4654],{"cta":4655,"_uid":4656,"items":4657,"heading":4742,"reverse":29,"component":743,"sectionSettings":4768},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[4658,4678,4699,4720],{"_uid":4659,"hide":29,"title":4660,"component":691,"description":4661},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":42,"attrs":4662,"content":4663},{"backgroundColor":52},[4664,4669],{"type":45,"attrs":4665,"content":4666},{"textAlign":52},[4667],{"text":4668,"type":49},"Oui, une dépense peut être refusée lorsqu’elle n’est pas professionnelle, qu’elle n’est pas justifiée ou que son montant est manifestement disproportionné.",{"type":45,"attrs":4670,"content":4671},{"textAlign":52},[4672,4674],{"text":4673,"type":49},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":4675,"type":49,"marks":4676},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[4677],{"type":83},{"_uid":4679,"hide":29,"title":4680,"component":691,"description":4681},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":42,"attrs":4682,"content":4683},{"backgroundColor":52},[4684,4689],{"type":45,"attrs":4685,"content":4686},{"textAlign":52},[4687],{"text":4688,"type":49},"Oui. Le collaborateur doit expliquer le dépassement et fournir le justificatif correspondant. L’entreprise peut alors rembourser la totalité de la dépense, seulement la partie située dans la limite prévue ou le montant complet après validation d’une dérogation.",{"type":45,"attrs":4690,"content":4691},{"textAlign":52},[4692,4694,4698],{"text":4693,"type":49},"La décision doit être conservée avec ",{"text":4695,"type":49,"marks":4696},"le motif et l’identité de l’approbateur",[4697],{"type":83},{"text":423,"type":49},{"_uid":4700,"hide":29,"title":4701,"component":691,"description":4702},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":42,"attrs":4703,"content":4704},{"backgroundColor":52},[4705,4710],{"type":45,"attrs":4706,"content":4707},{"textAlign":52},[4708],{"text":4709,"type":49},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":45,"attrs":4711,"content":4712},{"textAlign":52},[4713,4715,4719],{"text":4714,"type":49},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":4716,"type":49,"marks":4717},"10 ans à compter de la clôture de l’exercice",[4718],{"type":83},{"text":423,"type":49},{"_uid":4721,"hide":29,"title":4722,"component":691,"description":4723},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":42,"attrs":4724,"content":4725},{"backgroundColor":52},[4726,4731],{"type":45,"attrs":4727,"content":4728},{"textAlign":52},[4729],{"text":4730,"type":49},"Définissez les approbateurs par entité, département et niveau de dépense. Prévoyez également une délégation en cas d’absence et une escalade automatique après un délai déterminé.",{"type":45,"attrs":4732,"content":4733},{"textAlign":52},[4734,4736,4740],{"text":4735,"type":49},"Cette organisation permet à chaque équipe de conserver ",{"text":4737,"type":49,"marks":4738},"un cadre adapté à son activité",[4739],{"type":83},{"text":4741,"type":49},", tout en appliquant des règles cohérentes dans l’ensemble de l’entreprise.",[4743],{"cta":4744,"_uid":4745,"title":4746,"eyebrow":4756,"subtitle":4763,"component":97,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4766,"sectionSettings":4767,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"c107e149-d5dd-4842-9420-50aeadfd20fc",{"type":42,"attrs":4747,"content":4748},{"backgroundColor":52},[4749],{"type":97,"attrs":4750,"content":4751},{"level":99,"textAlign":52},[4752],{"text":4753,"type":49,"marks":4754},"Questions fréquentes sur les dépenses hors politique",[4755],{"type":83},{"type":42,"attrs":4757,"content":4758},{"backgroundColor":52},[4759],{"type":45,"attrs":4760,"content":4761},{"textAlign":52},[4762],{"text":1064,"type":49},{"type":42,"content":4764},[4765],{"type":45},[],[],[],"depenses-hors-politique","fr/blog/depenses-hors-politique",-3240,[],"7cdf2e57-e009-48ec-9480-b29699632b7e","2026-09-05T07:33:16.361Z",[],"blog/depenses-hors-politique",[4778,4779,4780],{"path":4776,"name":52,"lang":58,"published":52},{"path":4776,"name":52,"lang":64,"published":52},{"path":4776,"name":52,"lang":66,"published":52},{"name":4782,"created_at":4783,"published_at":4784,"updated_at":4785,"id":4786,"uuid":4787,"content":4788,"slug":4936,"full_slug":4937,"sort_by_date":52,"position":4938,"tag_list":4939,"is_startpage":29,"parent_id":756,"meta_data":52,"group_id":4940,"first_published_at":4784,"release_id":52,"lang":58,"path":52,"alternates":4941,"default_full_slug":4942,"translated_slugs":4943},"Factures fournisseurs sans bon de commande, quels risques et quels contrôles ?","2026-09-05T06:42:28.554Z","2026-09-05T07:13:56.357Z","2026-09-05T07:13:56.389Z",216682285316726,"d968d7d8-9e54-4eff-89cd-80c77cb300d4",{"_uid":4789,"title":4782,"topics":4790,"noIndex":29,"category":4799,"language":4808,"component":661,"heroMedia":4809,"publishedAt":4465,"redirectUrl":23,"listingImage":4816,"metaDescription":4817,"bottomArticleCta":4818,"componentsAfterTheArticle":4819},"e72d7735-d966-404c-bfa0-1e39558dfc43",[4791],{"name":2359,"created_at":2360,"published_at":2361,"updated_at":2362,"id":2363,"uuid":2364,"content":4792,"slug":2368,"full_slug":2369,"sort_by_date":52,"position":2370,"tag_list":4793,"is_startpage":29,"parent_id":2372,"meta_data":52,"group_id":2373,"first_published_at":2374,"release_id":52,"lang":58,"path":52,"alternates":4794,"default_full_slug":2376,"translated_slugs":4795,"_stopResolving":67},{"_uid":2366,"name":2359,"component":2367},[],[],[4796,4797,4798],{"path":2376,"name":52,"lang":58,"published":52},{"path":2376,"name":52,"lang":64,"published":52},{"path":2376,"name":52,"lang":66,"published":52},{"name":649,"created_at":650,"published_at":15,"updated_at":651,"id":652,"uuid":653,"content":4800,"slug":661,"full_slug":662,"sort_by_date":52,"position":663,"tag_list":4802,"is_startpage":29,"parent_id":665,"meta_data":52,"group_id":666,"first_published_at":667,"release_id":52,"lang":58,"path":52,"alternates":4803,"default_full_slug":669,"translated_slugs":4804,"_stopResolving":67},{"_uid":655,"icon":4801,"name":649,"component":660},{"id":657,"alt":658,"name":23,"focus":23,"title":23,"filename":659,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4805,4806,4807],{"path":669,"name":52,"lang":58,"published":52},{"path":669,"name":52,"lang":64,"published":52},{"path":669,"name":52,"lang":66,"published":52},[58],[4810],{"_uid":4811,"asset":4812,"caption":23,"component":681},"6e2c8add-614e-427f-ac4a-d411a552e9b9",{"id":4813,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4814,"copyright":23,"fieldtype":28,"meta_data":4815,"is_external_url":29},164487197151134,"https://a.storyblok.com/f/146026/1536x1024/670f6493cd/1773976736358-7crxx7-1.png",{},[],"Facture fournisseur sans bon de commande, découvrez les risques, les contrôles à mettre en place et les bonnes pratiques pour payer sans perdre le contrôle.",[],[4820],{"cta":4821,"_uid":4822,"items":4823,"heading":4909,"reverse":29,"component":743,"sectionSettings":4935},[],"6152d4ef-75f6-4582-b226-beb66f5c47f7",[4824,4846,4867,4888],{"_uid":4825,"hide":29,"title":4826,"component":691,"description":4827},"f0537be1-c6e9-4cfe-a9cf-12abecf5210d","Le bon de commande est-il obligatoire en France ?",{"type":42,"attrs":4828,"content":4829},{"backgroundColor":52},[4830,4841],{"type":45,"attrs":4831,"content":4832},{"textAlign":52},[4833,4835,4839],{"text":4834,"type":49},"Non, pas dans tous les cas. Un contrat entre entreprises peut être formé dès l’accord sur ",{"text":4836,"type":49,"marks":4837},"la prestation et son prix",[4838],{"type":83},{"text":4840,"type":49},", conformément aux règles du Code civil.",{"type":45,"attrs":4842,"content":4843},{"textAlign":52},[4844],{"text":4845,"type":49},"Le bon de commande devient toutefois nécessaire lorsqu’un marché public, une politique interne ou un contrat entre les parties l’impose.",{"_uid":4847,"hide":29,"title":4848,"component":691,"description":4849},"390d40d8-3872-498b-9017-3c87f6d78866","Peut-on payer une facture fournisseur sans bon de commande ?",{"type":42,"attrs":4850,"content":4851},{"backgroundColor":52},[4852,4857],{"type":45,"attrs":4853,"content":4854},{"textAlign":52},[4855],{"text":4856,"type":49},"Oui, à condition de pouvoir démontrer que la dépense est réelle, autorisée et conforme. Réunissez un devis signé, un e-mail de validation, un bon de livraison ou une attestation de service fait, puis faites valider l’exception par la personne responsable du budget.",{"type":45,"attrs":4858,"content":4859},{"textAlign":52},[4860,4862,4866],{"text":4861,"type":49},"La décision doit rester documentée avec ",{"text":4863,"type":49,"marks":4864},"les éléments qui justifient le paiement",[4865],{"type":83},{"text":423,"type":49},{"_uid":4868,"hide":29,"title":4869,"component":691,"description":4870},"f5858d6f-ac65-4299-af23-1bc1b4001082","Quelle différence entre un bon de commande et une confirmation de commande ?",{"type":42,"attrs":4871,"content":4872},{"backgroundColor":52},[4873,4883],{"type":45,"attrs":4874,"content":4875},{"textAlign":52},[4876,4878,4882],{"text":4877,"type":49},"Le bon de commande est émis par l’acheteur pour formaliser sa demande. La confirmation de commande est envoyée par le fournisseur pour confirmer ",{"text":4879,"type":49,"marks":4880},"son acceptation et les conditions de la commande",[4881],{"type":83},{"text":423,"type":49},{"type":45,"attrs":4884,"content":4885},{"textAlign":52},[4886],{"text":4887,"type":49},"Les deux documents doivent reprendre le même périmètre, les mêmes quantités, le même prix et les mêmes délais.",{"_uid":4889,"hide":29,"title":4890,"component":691,"description":4891},"5ab004ea-9beb-4493-9f86-a49e129f46ad","Combien de temps faut-il conserver un bon de commande ?",{"type":42,"attrs":4892,"content":4893},{"backgroundColor":52},[4894,4904],{"type":45,"attrs":4895,"content":4896},{"textAlign":52},[4897,4899,4903],{"text":4898,"type":49},"Lorsqu’il constitue une pièce justificative comptable, le bon de commande doit généralement être conservé pendant ",{"text":4900,"type":49,"marks":4901},"10 ans à compter de la clôture de l’exercice concerné",[4902],{"type":83},{"text":423,"type":49},{"type":45,"attrs":4905,"content":4906},{"textAlign":52},[4907],{"text":4908,"type":49},"Conservez également les devis, validations, bons de livraison, factures et échanges qui permettent de comprendre la décision d’achat.",[4910],{"cta":4911,"_uid":4912,"title":4913,"eyebrow":4923,"subtitle":4930,"component":97,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4933,"sectionSettings":4934,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"02dbbb3a-e897-49d5-be59-c2c0d50de3d9",{"type":42,"attrs":4914,"content":4915},{"backgroundColor":52},[4916],{"type":97,"attrs":4917,"content":4918},{"level":99,"textAlign":52},[4919],{"text":4920,"type":49,"marks":4921},"Questions fréquentes sur les factures sans bon de commande",[4922],{"type":83},{"type":42,"attrs":4924,"content":4925},{"backgroundColor":52},[4926],{"type":45,"attrs":4927,"content":4928},{"textAlign":52},[4929],{"text":1064,"type":49},{"type":42,"content":4931},[4932],{"type":45},[],[],[],"factures-fournisseurs-sans-bon-de-commande","fr/blog/factures-fournisseurs-sans-bon-de-commande",-3230,[],"ae8d62d6-c1cc-4c17-9ee7-321cad8f63d1",[],"blog/factures-fournisseurs-sans-bon-de-commande",[4944,4945,4946],{"path":4942,"name":52,"lang":58,"published":52},{"path":4942,"name":52,"lang":64,"published":52},{"path":4942,"name":52,"lang":66,"published":52},[4948,4949,4950,4951],["Reactive",4607],["Reactive",2608],["Reactive",4781],["Reactive",4422],1792847884452]