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Être efficient c’est mieux, si vous souhaitez utiliser rapidement les données et ne pas y consacrer la moitié du mois.",{"type":72,"attrs":128,"content":130},{"textAlign":24,"key":129},"p-1",[131],{"text":132,"type":76},"Voyons de quoi il s’agit et quels sont les objectifs poursuivis par cet arrêté périodique.",{"type":72,"attrs":134,"content":136},{"textAlign":24,"key":135},"p-2",[137],{"text":138,"type":76},"Vous découvrirez ensuite dans cet article 4 clés pour le maximum d’efficacité ainsi que 6 pièges à éviter.",{"type":72,"attrs":140,"content":142},{"textAlign":24,"key":141},"p-3",[143],{"text":144,"type":76},"Enfin, avec l’exemple de nos outils Spendesk, vous comprendrez comment ce type d’application aide à rationaliser la démarche.",{"type":72,"attrs":146,"content":147},{"textAlign":24},[148],{"type":149,"attrs":150},"blok",{"id":151,"body":152},"774efa55-3aa4-48a0-b028-df654821c1cc",[153],{"_uid":154,"html":51,"component":155},"59c01765-65bd-49ea-b0b3-f2975cc8ca95","embed",{"type":157,"attrs":158,"content":160},"heading",{"level":159,"textAlign":24},2,[161],{"text":162,"type":76},"Qu’est-ce que la clôture mensuelle ?",{"type":72,"attrs":164,"content":166},{"textAlign":24,"key":165},"p-4",[167,169,173],{"text":168,"type":76},"Vous entendez parler de clôture comptable mensuelle, mais en réalité ce terme est ",{"text":170,"type":76,"marks":171},"impropre",[172],{"type":124},{"text":174,"type":76},". Le vocabulaire plus approprié serait « situation mensuelle ». Malgré cet abus fréquent de langage, voyons ce que recouvre cette expression.",{"type":157,"attrs":176,"content":178},{"level":177,"textAlign":24},3,[179],{"text":180,"type":76},"Définition du processus de clôture comptable mensuelle",{"type":72,"attrs":182,"content":184},{"textAlign":24,"key":183},"p-5",[185,187,191],{"text":186,"type":76},"La loi impose de clôturer les comptes à la fin de chaque exercice, c’est tout. Pour autant, selon la taille de l’entreprise ou l’appartenance à un groupe, vous êtes amené à effectuer le ",{"text":188,"type":76,"marks":189},"point sur votre comptabilité à la fin du mois",[190],{"type":124},{"text":192,"type":76},". C’est une pratique de bonne gestion plus qu’une règle comptable.",{"type":72,"attrs":194,"content":196},{"textAlign":24,"key":195},"p-6",[197,199,206,208,212],{"text":198,"type":76},"Souvent, votre logiciel comptable ou votre ",{"text":200,"type":76,"marks":201},"ERP",[202],{"type":203,"attrs":204},"link",{"href":205,"uuid":24,"anchor":24,"target":24,"linktype":59},"https://www.spendesk.com/fr/blog/erp/",{"text":207,"type":76}," ",{"text":209,"type":76,"marks":210},"découpe l’exercice en périodes mensuelles",[211],{"type":124},{"text":213,"type":76},". Les journaux se ferment alors sur ce rythme, les achats, les ventes, la trésorerie, etc. En ajoutant quelques écritures d’ajustement du type « OD » en fin de mois, vous disposez d’une balance comptable à date. Vous pouvez donc dresser un compte de résultat et un bilan.",{"type":157,"attrs":215,"content":216},{"level":177,"textAlign":24},[217],{"text":218,"type":76},"Différences entre une clôture annuelle et une clôture mensuelle de la comptabilité",{"type":72,"attrs":220,"content":222},{"textAlign":24,"key":221},"p-7",[223,225,238,240,244],{"text":224,"type":76},"Le travail de l’équipe finance s’apparente à celui ",{"text":226,"type":76,"marks":227},"réalisé pour l’arrêté de l’exercice",[228],{"type":203,"attrs":229},{"href":230,"uuid":231,"anchor":24,"target":24,"linktype":232,"story":233},"guide-cloture-comptable","d808418f-e11f-4561-9fd9-a49db0a1e60e","story",{"name":234,"id":235,"uuid":231,"slug":230,"url":236,"full_slug":237,"_stopResolving":40},"Le guide (en 8 étapes) pour préparer et faire votre clôture comptable",208803058,"blog/guide-cloture-comptable","fr/blog/guide-cloture-comptable",{"text":239,"type":76},". 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Souvent, l’impôt mensuel fait l’objet d’un calcul simplifié contrairement à l’approche fiscale de fin d’exercice.",{"type":149,"attrs":259},{"id":260,"body":261},"4b1c9182-52cb-428b-be65-c92a04aec4f9",[262],{"_uid":263,"html":264,"component":155},"i-07aedd8b-7f8c-4ea1-bf84-82e096a8063a","\u003Ciframe width=\"560\" height=\"475\" src=\"https://www.youtube.com/embed/2ZLjEYYGuP4?si=kvUJiHoaFTBVAQ_0\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen>\u003C/iframe>",{"type":157,"attrs":266,"content":267},{"level":177,"textAlign":24},[268],{"text":269,"type":76},"Objectifs d’une clôture comptable chaque mois",{"type":72,"attrs":271,"content":273},{"textAlign":24,"key":272},"p-9",[274,276,280,282,286],{"text":275,"type":76},"Pourquoi mettre en place un processus de clôture mensuelle comptable dans votre entreprise ? 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Inutile de créer une procédure « usine à gaz » et d’y consacrer trois semaines par mois !",{"type":157,"attrs":289,"content":291},{"level":290,"textAlign":24},4,[292],{"text":293,"type":76},"Permettre de dégager le résultat comptable du mois",{"type":72,"attrs":295,"content":297},{"textAlign":24,"key":296},"p-10",[298,300,304,306,311,313,317],{"text":299,"type":76},"Tout d’abord, pour les dirigeants et managers, disposer de données réelles issues de la comptabilité constitue un plus pour le ",{"text":301,"type":76,"marks":302},"pilotage de l’entreprise",[303],{"type":124},{"text":305,"type":76},". Les ",{"text":307,"type":76,"marks":308},"reportings",[309],{"type":310},"italic",{"text":312,"type":76}," commerciaux ou tableaux de bord qui émanent des applications métiers apportent des informations intéressantes. Cependant, rien ne vaut leur confrontation avec le ",{"text":314,"type":76,"marks":315},"juge de paix que représente la compta",[316],{"type":124},{"text":245,"type":76},{"type":157,"attrs":319,"content":320},{"level":290,"textAlign":24},[321],{"text":322,"type":76},"Faciliter le suivi budgétaire de l’entreprise",{"type":72,"attrs":324,"content":326},{"textAlign":24,"key":325},"p-11",[327,329,333],{"text":328,"type":76},"Vous avez établi le budget prévisionnel de l’exercice en cours ? C’est le moment de s’en servir réellement et d’en faire un outil de gestion. Idéalement, le budget se mensualise pour plus de réalisme avec l’exploitation, notamment en présence de facteurs saisonniers. En disposant d’un processus de clôture comptable mensuelle, vous pouvez vraiment ",{"text":330,"type":76,"marks":331},"évaluer l’atteinte des objectifs financiers budgétés",[332],{"type":124},{"text":245,"type":76},{"type":157,"attrs":335,"content":336},{"level":290,"textAlign":24},[337],{"text":338,"type":76},"Faciliter le processus de la clôture comptable annuelle des comptes",{"type":72,"attrs":340,"content":342},{"textAlign":24,"key":341},"p-12",[343,345,349,350,355],{"text":344,"type":76},"C’est assurément un point non négligeable pour les entreprises qui ont acquis de l’expérience en matière d’arrêtés comptables mensuels. Notamment, lorsque les délais pour sortir le bilan annuel sont très courts, plus vous préparez en amont les données et l’analyse, ",{"text":346,"type":76,"marks":347},"plus vous réussissez à respecter la",[348],{"type":124},{"text":207,"type":76},{"text":351,"type":76,"marks":352},"deadline",[353,354],{"type":124},{"type":310},{"text":245,"type":76},{"type":72,"attrs":357,"content":359},{"textAlign":24,"key":358},"p-13",[360,362,366],{"text":361,"type":76},"Or, le fait de réaliser des arrêtés mensuels contribue à ",{"text":363,"type":76,"marks":364},"fluidifier le dossier de clôture comptable",[365],{"type":124},{"text":367,"type":76},". Vos comptes sont vérifiés, au moins par roulement, et vous détectez les anomalies. Vos procédures de provisionnement des factures non parvenues, factures à établir, etc. sont calées et fonctionnent.",{"type":157,"attrs":369,"content":370},{"level":159,"textAlign":24},[371],{"text":372,"type":76},"Nos 5 clés pour un processus de clôture mensuelle plus efficace",{"type":72,"attrs":374,"content":375},{"textAlign":24,"key":116},[376,378,382,384,388],{"text":377,"type":76},"Voici ",{"text":379,"type":76,"marks":380},"quelques points d’organisation de base",[381],{"type":124},{"text":383,"type":76}," si vous souhaitez déployer ou améliorer les situations mensuelles comptables dans votre entreprise. Vous avez recours à un intervenant externe pour la clôture comptable ? Cela n’empêche pas de mettre en place quelques ",{"text":385,"type":76,"marks":386},"actions de bon sens",[387],{"type":124},{"text":389,"type":76},", en concertation avec lui, afin de disposer de vos résultats mensuels.",{"type":157,"attrs":391,"content":392},{"level":177,"textAlign":24},[393],{"text":394,"type":76},"Utiliser le budget prévisionnel pour la gestion des abonnements et provisions comptables",{"type":72,"attrs":396,"content":397},{"textAlign":24,"key":129},[398,410,412,416],{"text":399,"type":76,"marks":400},"La gestion du budget",[401],{"type":203,"attrs":402},{"href":403,"uuid":404,"anchor":24,"target":24,"linktype":232,"story":405},"gestion-du-budget","aa6041ac-f58b-4a00-8326-bd68d13ef112",{"name":406,"id":407,"uuid":404,"slug":403,"url":408,"full_slug":409,"_stopResolving":40},"5 conseils pour la gestion du budget en entreprise",213425740,"blog/gestion-du-budget","fr/blog/gestion-du-budget",{"text":411,"type":76}," représente un réel outil de pilotage. En comparant avec la comptabilité de la période, vous analysez les écarts et réfléchissez aux actions correctives. ",{"text":413,"type":76,"marks":414},"Le prévisionnel sert également aux écritures comptables",[415],{"type":124},{"text":417,"type":76},", notamment pour les charges à lisser sur l’exercice comme les contrats de maintenance, les locations, les honoraires, etc.",{"type":72,"attrs":419,"content":420},{"textAlign":24,"key":135},[421,423,427,429,433],{"text":422,"type":76},"Préparez la saisie de vos OD en début d’année en partant du budget. La plupart des logiciels comptables permettent l’automatisation des abonnements. Chaque mois, ils incrémentent la situation mensuelle. Plus vous utilisez cette méthode, plus vous ",{"text":424,"type":76,"marks":425},"accélérez votre processus de clôture mensuelle comptable",[426],{"type":124},{"text":428,"type":76},". Veillez toutefois à contrôler périodiquement vos comptes d’abonnement au regard du budget. ",{"text":430,"type":76,"marks":431},"Ajustez si nécessaire",[432],{"type":124},{"text":434,"type":76}," sans attendre la clôture comptable.",{"type":157,"attrs":436,"content":437},{"level":177,"textAlign":24},[438],{"text":439,"type":76},"Clôturer très vite les comptes du mois",{"type":72,"attrs":441,"content":442},{"textAlign":24,"key":141},[443,445,449,451,455],{"text":444,"type":76},"Mettre en place un processus mensuel de clôture comptable signifie aussi une ",{"text":446,"type":76,"marks":447},"charge de travail supplémentaire",[448],{"type":124},{"text":450,"type":76},". La plupart des grandes PME s’y collent, surtout quand les sociétés appartiennent à un groupe. Le rôle de la DAF consiste alors à organiser ces travaux pour ne pas y passer deux à trois semaines chaque mois. Oui, clôturer sa comptabilité générale à J +5 voire J +3 ",{"text":452,"type":76,"marks":453},"c’est possible et pour tout le monde",[454],{"type":124},{"text":245,"type":76},{"type":72,"attrs":457,"content":458},{"textAlign":24,"key":165},[459,461,465,467,471],{"text":460,"type":76},"Ainsi vous dégagez du temps à vos équipes pour analyser les données et travailler sur d’autres dossiers après l’arrêté. Raccourcir le délai d’établissement des comptes mensuels exige de s’investir dans la ",{"text":462,"type":76,"marks":463},"conduite du changement",[464],{"type":124},{"text":466,"type":76},". Avancez étape par étape. Fixez des objectifs progressifs de réduction en nombre de jours. 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Fixez les étapes, les tâches principales, les personnes dans chaque service ainsi que les dates de réalisation, jour par jour.",{"type":72,"attrs":489,"content":490},{"textAlign":24,"key":195},[491,495],{"text":492,"type":76,"marks":493},"Le respect de la deadline mensuelle",[494],{"type":124},{"text":496,"type":76}," exige bien sûr de commencer autant que possible avant la fin du mois. Nommez un responsable du suivi. Le DAF, le chef comptable ou le contrôleur de gestion peuvent s’en charger. Relancez en cas de moindre retard. Surveillez la marmite au moins deux fois par jour.",{"type":157,"attrs":498,"content":499},{"level":177,"textAlign":24},[500],{"text":501,"type":76},"S’appuyer au maximum sur les données des ERP ou applicatifs métiers",{"type":72,"attrs":503,"content":504},{"textAlign":24,"key":221},[505,507,511],{"text":506,"type":76},"Afin de fluidifier le processus de clôture mensuelle comptable, nous vous recommandons d’exploiter au mieux les ",{"text":508,"type":76,"marks":509},"fonctionnalités de vos ERP ou applications logicielles métier",[510],{"type":124},{"text":512,"type":76},". La gestion des achats, de l’inventaire, de la facturation client, de la paie, des immobilisations, etc. voilà des éléments qui s’interfacent avec la comptabilité. Ils sont précieux pour le process mensuel de clôture comptable. Pour les provisions de factures non parvenues ou de factures à établir par exemple, les logiciels permettent de paramétrer des états. Vous disposez rapidement des données à comptabiliser.",{"type":157,"attrs":514,"content":515},{"level":177,"textAlign":24},[516],{"text":517,"type":76},"Associer tous les services opérationnels de l’entreprise",{"type":72,"attrs":519,"content":520},{"textAlign":24,"key":248},[521,523,527],{"text":522,"type":76},"Tout comme pour la clôture annuelle, le ",{"text":524,"type":76,"marks":525},"contrôle de gestion",[526],{"type":124},{"text":528,"type":76}," occupe une place de choix auprès du service comptabilité pour établir les situations périodiques. Mais il n’est pas le seul.",{"type":72,"attrs":530,"content":531},{"textAlign":24,"key":272},[532,534,538],{"text":533,"type":76},"La compta est le réceptacle de tous les flux financiers. Elle reflète la vie de l’entreprise du début à la fin du mois. Les échanges avec les services opérationnels permettent de ",{"text":535,"type":76,"marks":536},"ne pas passer à côté de l’essentiel",[537],{"type":124},{"text":539,"type":76},". Par ailleurs, parfois certaines provisions exigent de se rapprocher du terrain pour obtenir les bonnes informations.",{"type":157,"attrs":541,"content":542},{"level":159,"textAlign":24},[543],{"text":544,"type":76},"Les 6 erreurs à éviter pour sortir les comptes du mois",{"type":72,"attrs":546,"content":547},{"textAlign":24,"key":296},[548,550,554],{"text":549,"type":76},"Quelques ",{"text":551,"type":76,"marks":552},"attitudes ou méthodes sont à proscrire",[553],{"type":124},{"text":555,"type":76}," si vous souhaitez réussir votre processus de clôture mensuelle comptable. Voici notre analyse des points à éviter absolument pour sortir rapidement une situation financière mensualisée fiable.",{"type":157,"attrs":557,"content":558},{"level":177,"textAlign":24},[559],{"text":560,"type":76},"Se noyer dans les détails",{"type":72,"attrs":562,"content":563},{"textAlign":24,"key":325},[564,568],{"text":565,"type":76,"marks":566},"C’est juste une situation mensuelle",[567],{"type":124},{"text":569,"type":76},". La tenue de la compta s’effectue tout au long de l’année en vue d’enregistrer tous les flux financiers. La clôture de l’exercice et la production des documents annuels exigent de la précision et des contrôles poussés. Chaque mois, gardez en tête un objectif de fiabilité des comptes en pensant aux données significatives.",{"type":72,"attrs":571,"content":572},{"textAlign":24,"key":341},[573,575,581,587,589,593],{"text":574,"type":76},"Tant pis si la provision congés payés se calcule avec moins de perfection qu’en fin d’année. L’important, c’est de ne pas l’oublier dans les écritures du mois ! ",{"text":576,"type":76,"marks":577},"Établissez une ",[578],{"type":203,"attrs":579},{"href":580,"uuid":24,"anchor":24,"target":24,"linktype":59},"https://www.spendesk.com/fr/landing/checklist-cloture-annuelle/",{"text":582,"type":76,"marks":583},"check-list",[584,586],{"type":203,"attrs":585},{"href":580,"uuid":24,"anchor":24,"target":24,"linktype":59},{"type":310},{"text":588,"type":76}," des charges et produits ",{"text":590,"type":76,"marks":591},"comptabilisés sur la base d’une approche",[592],{"type":124},{"text":594,"type":76}," et qui exigeront un calcul affiné pour la clôture de l’exercice.",{"type":157,"attrs":596,"content":597},{"level":177,"textAlign":24},[598],{"text":599,"type":76},"Oublier de vérifier les interfaces et de traiter les états d’anomalie",{"type":72,"attrs":601,"content":602},{"textAlign":24,"key":358},[603,605,609],{"text":604,"type":76},"Votre logiciel comptable s’alimente en automatique tant pour les factures de vente que pour les factures d’achat ? La présence d’interfaces contribue à rationaliser le process des situations mensuelles comptables. Pour autant, omettre de vérifier chaque mois, voire chaque jour, les états de rejets et d’anomalies constitue une ",{"text":606,"type":76,"marks":607},"erreur de débutant",[608],{"type":124},{"text":610,"type":76},". On la rencontre malheureusement assez souvent dans les services financiers.",{"type":72,"attrs":612,"content":614},{"textAlign":24,"key":613},"p-14",[615,619],{"text":616,"type":76,"marks":617},"Formalisez le contrôle du rapprochement entre les différents systèmes",[618],{"type":124},{"text":620,"type":76},". Le commissaire aux comptes vous le réclamera à la clôture comptable de toute façon. Avec ce type de vérification, vous détectez les écarts. Il peut s’agir de factures qui manquent en compta. Provisionnez-les dans ce cas.",{"type":157,"attrs":622,"content":623},{"level":177,"textAlign":24},[624],{"text":625,"type":76},"Établir les inventaires physiques sans procédure claire",{"type":72,"attrs":627,"content":629},{"textAlign":24,"key":628},"p-15",[630,632,636],{"text":631,"type":76},"L’inventaire physique des stocks, surtout s’ils ne sont pas informatisés, ne doit pas être négligé non plus. En laissant les opérateurs procéder comme ils veulent et quand ils veulent, vous risquez quelques soucis. En prenant le temps de rédiger et communiquer sur une ",{"text":633,"type":76,"marks":634},"procédure mensuelle simplifiée",[635],{"type":124},{"text":637,"type":76}," avec un planning détaillé, vous évitez les problèmes.",{"type":72,"attrs":639,"content":641},{"textAlign":24,"key":640},"p-16",[642,644,648],{"text":643,"type":76},"Par exemple, l’inventaire physique doit se ",{"text":645,"type":76,"marks":646},"programmer précisément",[647],{"type":124},{"text":649,"type":76}," en liaison avec la gestion des achats de matières et des ventes de produits. Compter par exemple un article livré par le fournisseur alors que la réception en stock n’est pas enregistrée côté achat, revient à majorer le résultat mensuel :",{"type":651,"content":652},"bullet_list",[653,662],{"type":654,"content":655},"list_item",[656],{"type":72,"attrs":657,"content":659},{"textAlign":24,"key":658},"p-17",[660],{"text":661,"type":76},"article comptabilisé en stock ;",{"type":654,"content":663},[664],{"type":72,"attrs":665,"content":667},{"textAlign":24,"key":666},"p-18",[668],{"text":669,"type":76},"omission de la provision « factures non parvenues ».",{"type":157,"attrs":671,"content":672},{"level":177,"textAlign":24},[673],{"text":674,"type":76},"Vouloir intégrer tous les flux de la période dans les journaux d’achats et vente",{"type":72,"attrs":676,"content":678},{"textAlign":24,"key":677},"p-19",[679,681,685],{"text":680,"type":76},"Plus vous voulez être précis et juste, ",{"text":682,"type":76,"marks":683},"plus vous perdez du temps",[684],{"type":124},{"text":686,"type":76},". Si la compta attend que le collège de l’administration des ventes ait fini d’émettre tous ses avoirs ou factures, la première semaine du mois suivant peut s’écouler.",{"type":72,"attrs":688,"content":690},{"textAlign":24,"key":689},"p-20",[691,693,697],{"text":692,"type":76},"La recommandation consiste à ",{"text":694,"type":76,"marks":695},"stopper la facturation client",[696],{"type":124},{"text":698,"type":76}," le soir du dernier jour du mois, voire le lendemain. Surveillez en fin de mois l’état de la facturation, des commandes livrées en attente, etc. Relancez les services. Pour la situation, effectuez une saisie de provision de tout ce qui n’est pas facturé à date.",{"type":157,"attrs":700,"content":701},{"level":177,"textAlign":24},[702],{"text":703,"type":76},"Omettre la mise en place d’un mini-dossier de révision mensuelle",{"type":72,"attrs":705,"content":707},{"textAlign":24,"key":706},"p-21",[708,710,714,716,720,721,725],{"text":709,"type":76},"Même si votre clôture mensuelle s’effectue avec des écritures de simulation, se dispenser de conserver un minimum de documents et de justificatifs des OD constitue une erreur. Comment retrouver lors des analyses, parfois plusieurs mois après, ce qui a entraîné le passage de vos écritures ? Notre conseil consiste à ",{"text":711,"type":76,"marks":712},"préparer un dossier de révision minimaliste",[713],{"type":124},{"text":715,"type":76}," ainsi qu’une ",{"text":582,"type":76,"marks":717},[718,719],{"type":124},{"type":310},{"text":207,"type":76},{"text":722,"type":76,"marks":723},"de clôture comptable mensuelle",[724],{"type":124},{"text":245,"type":76},{"type":157,"attrs":727,"content":728},{"level":177,"textAlign":24},[729],{"text":730,"type":76},"Mélanger les écritures de situations avec les autres, sans journaux ad hoc",{"type":72,"attrs":732,"content":734},{"textAlign":24,"key":733},"p-22",[735,737,741],{"text":736,"type":76},"Rien de pire que d’avoir sa compta en bazar. C’est une matière carrée et qui exige de la rigueur. Même si c’est dans les gênes de votre équipe au service comptabilité, assurez-vous par précaution qu’ils utilisent des ",{"text":738,"type":76,"marks":739},"journaux dédiés aux situations mensuelles",[740],{"type":124},{"text":742,"type":76},". Vous facilitez la lecture du grand livre quand les OD de fin de mois se repèrent par des codes journaux spécifiques.",{"type":157,"attrs":744,"content":745},{"level":159,"textAlign":24},[746],{"text":747,"type":76},"Clôture comptable mensuelle : créer un processus simple avec Spendesk",{"type":72,"attrs":749,"content":751},{"textAlign":24,"key":750},"p-23",[752,754,758],{"text":753,"type":76},"Pour illustrer comment vous pouvez organiser votre clôture mensuelle comptable, voici ",{"text":755,"type":76,"marks":756},"la manière dont Spendesk vous conseille de travailler",[757],{"type":124},{"text":759,"type":76},", grâce aux applications proposées à ses clients.",{"type":157,"attrs":761,"content":762},{"level":177,"textAlign":24},[763],{"text":764,"type":76},"Visualiser les dépenses et les achats de l’entreprise en temps réel",{"type":72,"attrs":766,"content":768},{"textAlign":24,"key":767},"p-24",[769,771,775,777,781,783,787],{"text":770,"type":76},"Avec notre logiciel hébergé sur le ",{"text":772,"type":76,"marks":773},"Cloud",[774],{"type":310},{"text":776,"type":76}," et accessible ",{"text":778,"type":76,"marks":779},"de partout, même sur mobile",[780],{"type":124},{"text":782,"type":76},", vous consultez toutes les achats, factures fournisseurs et notes de frais. Les données sont disponibles immédiatement, de la commande au paiement de la facture. Vous disposez aussi du suivi budgétaire en ligne par donneur d’ordre. Tous ces éléments contribuent à ",{"text":784,"type":76,"marks":785},"fluidifier l’information pour les services financiers",[786],{"type":124},{"text":788,"type":76}," qui préparent la situation comptable du mois.",{"type":157,"attrs":790,"content":791},{"level":177,"textAlign":24},[792],{"text":793,"type":76},"Disposer de processus automatisés sur notre plateforme",{"type":72,"attrs":795,"content":797},{"textAlign":24,"key":796},"p-25",[798,800,806],{"text":799,"type":76},"Chez Spendesk, nous avons conçu nos applications pour vous simplifier au maximum la vie. ",{"text":801,"type":76,"marks":802},"De nombreuses opérations s’effectuent en automatique",[803],{"type":203,"attrs":804},{"href":805,"uuid":24,"anchor":24,"target":24,"linktype":59},"https://www.spendesk.com/fr/product/accounting-automation/?__hstc=45788219.c0b55135433707c16a7ce03c51aef97a.1646228631102.1646228631102.1646228631102.1&__hssc=45788219.1.1646228631103&__hsfp=3492602873",{"text":807,"type":76}," pour une tenue de la compta optimisée.",{"type":157,"attrs":809,"content":810},{"level":290,"textAlign":24},[811],{"text":812,"type":76},"Des journaux comptables à jour sans travail supplémentaire",{"type":72,"attrs":814,"content":816},{"textAlign":24,"key":815},"p-26",[817,819,823],{"text":818,"type":76},"Grâce à l’organisation d’interfaces entre notre plateforme et votre logiciel de comptabilité, les ",{"text":820,"type":76,"marks":821},"journaux s’alimentent en automatique",[822],{"type":124},{"text":824,"type":76},". Le service comptabilité ne s’occupe plus de la saisie des factures fournisseurs. Il se contente de vérifier le processus et de gérer les anomalies. Il relance les valideurs qui traînent pour donner leur approbation malgré les notifications et rappels envoyés par notre application.",{"type":157,"attrs":826,"content":827},{"level":290,"textAlign":24},[828],{"text":829,"type":76},"Une automatisation des rapprochements bancaires de chaque mois",{"type":72,"attrs":831,"content":833},{"textAlign":24,"key":832},"p-27",[834,836,840],{"text":835,"type":76},"Notre logiciel comporte aussi la ",{"text":837,"type":76,"marks":838},"réconciliation automatique des comptes",[839],{"type":124},{"text":841,"type":76}," de banque avec la compta. Le système relance les salariés qui n’ont pas communiqué les justificatifs de dépenses par carte bancaire.",{"type":157,"attrs":843,"content":844},{"level":177,"textAlign":24},[845],{"text":846,"type":76},"Documenter toutes les écritures par la capture numérique des reçus et factures",{"type":72,"attrs":848,"content":850},{"textAlign":24,"key":849},"p-28",[851,853,857],{"text":852,"type":76},"Récupérer une facture sur notre logiciel s’avère très simple. Vous recherchez un justificatif ? Connectez-vous à la plateforme de Spendesk. ",{"text":854,"type":76,"marks":855},"En quelques clics vous tracez l’information",[856],{"type":124},{"text":858,"type":76}," et accédez aux documents dématérialisés.",{"type":157,"attrs":860,"content":861},{"level":159,"textAlign":24},[862],{"text":863,"type":76},"Un processus de clôture comptable mensuelle comptable efficace exige d’utiliser les bons outils",{"type":72,"attrs":865,"content":867},{"textAlign":24,"key":866},"p-29",[868,870,874,876,882],{"text":869,"type":76},"Si vous voulez sortir vos comptes mensuellement rapidement et correctement, équipez-vous ",{"text":871,"type":76,"marks":872},"d’applications intelligentes et dématérialisées",[873],{"type":124},{"text":875,"type":76},". Chez Spendesk, nous vous proposons une démonstration du fonctionnement de notre plateforme en ligne. ",{"text":877,"type":76,"marks":878},"Contactez-nous",[879],{"type":203,"attrs":880},{"href":881,"uuid":24,"anchor":24,"target":24,"linktype":59},"https://www.spendesk.com/fr/schedule-a-demo/",{"text":883,"type":76}," !",{"type":72,"attrs":885,"content":886},{"textAlign":24},[887],{"type":149,"attrs":888},{"id":151,"body":889},[890],{"_uid":891,"html":892,"component":155},"9e97d59e-ba82-4284-8bc5-da2b36a10b22","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-5a02d50d-180b-45fa-9a11-b7868d10d3ef\">\u003Cspan class=\"hs-cta-node hs-cta-5a02d50d-180b-45fa-9a11-b7868d10d3ef\" id=\"hs-cta-5a02d50d-180b-45fa-9a11-b7868d10d3ef\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/5a02d50d-180b-45fa-9a11-b7868d10d3ef\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-5a02d50d-180b-45fa-9a11-b7868d10d3ef\" style=\"border-width:0px;\" 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-->",{"name":894,"created_at":895,"published_at":6,"updated_at":896,"id":897,"uuid":898,"content":899,"slug":906,"full_slug":907,"sort_by_date":24,"position":25,"tag_list":908,"is_startpage":27,"parent_id":909,"meta_data":24,"group_id":910,"first_published_at":911,"release_id":24,"lang":31,"path":24,"alternates":912,"default_full_slug":913,"translated_slugs":914,"_stopResolving":40},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":900,"icon":901,"name":894,"component":905},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":902,"alt":903,"name":51,"focus":51,"title":51,"filename":904,"copyright":51,"fieldtype":56,"is_external_url":27},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[915,916,917],{"path":913,"name":24,"lang":31,"published":24},{"path":913,"name":24,"lang":37,"published":24},{"path":913,"name":24,"lang":39,"published":24},[31],[920],{"_uid":921,"asset":922,"shadow":27,"caption":51,"overlay":926,"component":927},"ae3e50f1-9d38-441a-8c3c-2a2a980584ea",{"id":923,"alt":51,"name":51,"focus":51,"title":51,"source":51,"filename":924,"copyright":51,"fieldtype":56,"meta_data":925,"is_private":27,"is_external_url":27},16828792,"https://a.storyblok.com/f/146026/1020x680/344da2efb5/processus-cloture-mensuelle-comptable_yellow.png",{},[],"image",[],"2025-11-06 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00:00",[],"Plafonds URSSAF 2026 du forfait télétravail (2,70 EUR/jour, 59,40 EUR/mois), choix forfait vs réel et checklist pour éviter un redressement sur vos notes de frais.",[],[4329],{"cta":4330,"_uid":4331,"items":4332,"heading":4454,"reverse":27,"component":2783,"sectionSettings":4476},[],"19947d91-a350-4fe1-927d-9269942c3e4b",[4333,4355,4383,4405,4427],{"_uid":4334,"hide":27,"title":4335,"component":2644,"description":4336},"e154ce94-14ca-49e8-a1cf-7d6d355fe343","Comment paramétrer le remboursement des frais de télétravail dans les notes de frais ?",{"type":69,"content":4337},[4338],{"type":72,"attrs":4339,"content":4340},{"textAlign":24},[4341,4343,4347,4349,4353],{"text":4342,"type":76},"Créez une ",{"text":4344,"type":76,"marks":4345},"catégorie dédiée",[4346],{"type":124},{"text":4348,"type":76}," avec un plafond journalier aligné sur le barème URSSAF (2,70 € ou 3,30 €), automatisez le contrôle pour bloquer les dépassements avant validation, et 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Conservation minimale : ",{"text":4372,"type":76,"marks":4373},"six ans",[4374],{"type":124},{"text":4376,"type":76}," (comptabilité), ",{"text":4378,"type":76,"marks":4379},"dix ans",[4380],{"type":124},{"text":4382,"type":76}," (sociétés commerciales).",{"_uid":4384,"hide":27,"title":4385,"component":2644,"description":4386},"b6608554-f24c-483a-9683-b389890891d8","Forfait ou frais réel télétravail : lequel choisir ?",{"type":69,"content":4387},[4388],{"type":72,"attrs":4389,"content":4390},{"textAlign":24},[4391,4393,4397,4399,4403],{"text":4392,"type":76},"Le ",{"text":4394,"type":76,"marks":4395},"forfait teletravail",[4396],{"type":124},{"text":4398,"type":76}," convient à la majorité des entreprises : exonération automatique dans les limites (59,40 € par mois sans accord), aucun justificatif à collecter. Le réel se justifie uniquement pour les salariés en ",{"text":4400,"type":76,"marks":4401},"télétravail complet",[4402],{"type":124},{"text":4404,"type":76}," dont les dépenses mensuelles dépassent significativement le plafond forfaitaire.",{"_uid":4406,"hide":27,"title":4407,"component":2644,"description":4408},"bbf6586d-d673-4dae-a8f9-05dc09188be9","Comment éviter un redressement URSSAF sur les indemnités de télétravail ?",{"type":69,"content":4409},[4410],{"type":72,"attrs":4411,"content":4412},{"textAlign":24},[4413,4415,4419,4421,4425],{"text":4414,"type":76},"Respectez les plafonds 2026 (",{"text":4416,"type":76,"marks":4417},"2,70 € par jour sans accord, 3,30 € avec",[4418],{"type":124},{"text":4420,"type":76},"), documentez les jours télétravaillés par salarié et par mois, et distinguez clairement l'allocation forfaitaire de l'indemnité d'occupation sur le bulletin de paie. La ",{"text":4422,"type":76,"marks":4423},"prescription triennale",[4424],{"type":124},{"text":4426,"type":76}," signifie que l'URSSAF peut remonter sur trois exercices (article L.244-3 du CSS).",{"_uid":4428,"hide":27,"title":4429,"component":2644,"description":4430},"14a0b6ec-2cf1-472f-9917-a258a0246697","L'indemnité de télétravail est-elle obligatoire pour l'employeur ?",{"type":69,"content":4431},[4432],{"type":72,"attrs":4433,"content":4434},{"textAlign":24},[4435,4437,4441,4443,4447,4449,4453],{"text":4436,"type":76},"L'ANI de 2020 impose la prise en charge des frais, mais aucun texte ne fixe de ",{"text":4438,"type":76,"marks":4439},"montant minimum",[4440],{"type":124},{"text":4442,"type":76}," dans le privé. Les plafonds URSSAF (2,70 € par jour sans accord) sont des ",{"text":4444,"type":76,"marks":4445},"seuils d'exonération",[4446],{"type":124},{"text":4448,"type":76},", pas des obligations de versement. 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Un processus procure-to-pay documenté est votre meilleur dossier de défense.",{"_uid":4588,"hide":27,"title":4589,"component":2644,"description":4590},"6e94e203-b0a9-4338-9cfb-ae435d4323b9","Comment la facturation électronique impacte-t-elle les contrôles DGCCRF ?",{"type":69,"content":4591},[4592],{"type":72,"attrs":4593,"content":4594},{"textAlign":24},[4595,4597,4601,4603,4607,4609,4613],{"text":4596,"type":76},"L'horodatage des factures via les Plateformes Agréées rend les dates d'émission ",{"text":4598,"type":76,"marks":4599},"incontestables",[4600],{"type":124},{"text":4602,"type":76}," et permet à la DGCCRF de détecter les retards de manière systématique, sans contrôle sur place. L'obligation entre en vigueur le ",{"text":4604,"type":76,"marks":4605},"1er septembre 2026",[4606],{"type":124},{"text":4608,"type":76}," pour les GE et ETI, le ",{"text":4610,"type":76,"marks":4611},"1er septembre 2027",[4612],{"type":124},{"text":4614,"type":76}," pour les PME et TPE.",{"_uid":4616,"hide":27,"title":4617,"component":2644,"description":4618},"f2120bd4-8d5b-418c-8549-38a360ae86a0","Les pénalités de retard s'appliquent-elles automatiquement ?",{"type":69,"content":4619},[4620],{"type":72,"attrs":4621,"content":4622},{"textAlign":24},[4623,4625,4629,4631,4635,4637,4641],{"text":4624,"type":76},"Oui, ",{"text":4626,"type":76,"marks":4627},"dès le premier jour suivant la date d'échéance",[4628],{"type":124},{"text":4630,"type":76},", sans mise en demeure préalable. Le taux applicable est le ",{"text":4632,"type":76,"marks":4633},"taux BCE majoré de 10 points",[4634],{"type":124},{"text":4636,"type":76}," (12,15 % au S1 2026), plus ",{"text":4638,"type":76,"marks":4639},"40 € d'indemnité forfaitaire",[4640],{"type":124},{"text":4642,"type":76}," par facture. Ces montants doivent figurer dans vos CGV et sur chaque facture fournisseur.",{"_uid":4644,"hide":27,"title":4645,"component":2644,"description":4646},"aabb0fa3-4bcf-4ae1-8b8e-b54e0db7a4fc","Quelle amende la DGCCRF peut-elle infliger pour retard de paiement ?",{"type":69,"content":4647},[4648],{"type":72,"attrs":4649,"content":4650},{"textAlign":24},[4651,4653,4657,4659,4663,4665,4669],{"text":4652,"type":76},"L'amende peut atteindre ",{"text":4654,"type":76,"marks":4655},"2 M€ par manquement",[4656],{"type":124},{"text":4658,"type":76}," pour une personne morale, doublée à ",{"text":4660,"type":76,"marks":4661},"4 M€ en cas de récidive",[4662],{"type":124},{"text":4664,"type":76}," dans les deux ans. La PPL Rietmann, adoptée en première lecture par le Sénat, prévoit un plafond relevé au plus élevé entre 2 M€ et ",{"text":4666,"type":76,"marks":4667},"1 % du chiffre d'affaires consolidé mondial",[4668],{"type":124},{"text":245,"type":76},{"_uid":4671,"hide":27,"title":4672,"component":2644,"description":4673},"a4c39d02-239a-4d7c-83b9-a9a07d1259c1","Quel est le délai de paiement légal en France entre entreprises ?",{"type":69,"content":4674},[4675],{"type":72,"attrs":4676,"content":4677},{"textAlign":24},[4678,4680,4684,4686,4690,4692,4696],{"text":4679,"type":76},"Le délai par défaut est de ",{"text":4681,"type":76,"marks":4682},"30 jours glissants",[4683],{"type":124},{"text":4685,"type":76}," à compter de la réception des marchandises ou de l'exécution de la prestation. Par accord contractuel, il peut être étendu à ",{"text":4687,"type":76,"marks":4688},"60 jours date de facture",[4689],{"type":124},{"text":4691,"type":76}," ou ",{"text":4693,"type":76,"marks":4694},"45 jours fin de mois",[4695],{"type":124},{"text":4697,"type":76},". 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00:00",[],"Découvrez la différence entre charges directes et indirectes, et comment une gestion optimisée de ces deux types de dépenses peut améliorer la performance financière de votre entreprise. Guide complet pour 2025.",[4798],{"_uid":4799,"items":4800,"heading":4853,"reverse":27,"component":2783,"sectionSettings":4870},"6154f608-393f-4efd-b316-6b600f016b9d",[4801,4809,4817,4826,4835,4844],{"_uid":4802,"title":2643,"component":2644,"description":4803},"56f8ef00-21a0-4adf-bf0c-7f7369596fd5",{"type":69,"content":4804},[4805],{"type":72,"content":4806},[4807],{"text":4808,"type":76},"La gestion des dépenses est le processus de suivi, contrôle et catégorisation de toutes les dépenses professionnelles pour garantir la conformité comptable. Spendesk centralise paiements, justificatifs et approbations grâce aux cartes physiques et virtuelles, capture mobile des reçus, règles de validation et exports comptables automatiques, ce qui réduit les erreurs et accélère la clôture financière.",{"_uid":4810,"title":2705,"component":2644,"description":4811},"b5723c49-0fb5-4733-9a4a-c5c61a7f1a86",{"type":69,"content":4812},[4813],{"type":72,"content":4814},[4815],{"text":4816,"type":76},"Spendesk est une plateforme qui centralise moyens de paiement, approbations et réconciliation pour automatiser la gestion des dépenses. Spendesk fournit cartes physiques et virtuelles, capture mobile des reçus, workflows d'approbation et règles de budgétisation, puis exporte automatiquement les écritures vers les outils comptables pour accélérer la réconciliation et la visibilité des coûts.",{"_uid":4818,"title":4819,"component":2644,"description":4820},"260d3c57-10a6-49cc-86e1-748b6180bbc1","Quelles sont les charges directes et comment les identifier ?",{"type":69,"content":4821},[4822],{"type":72,"content":4823},[4824],{"text":4825,"type":76},"Les charges directes sont des coûts qui peuvent être attribués directement à un produit, projet ou centre de profit. Spendesk permet d'identifier ces charges via le tagging des dépenses, l'affectation de budgets par projet et les règles de catégorisation automatique, ce qui facilite l'imputation comptable et le calcul précis de la marge par activité.",{"_uid":4827,"title":4828,"component":2644,"description":4829},"cf6ae950-40ed-43f6-aced-6bd02c7c0726","Quelles sont les charges indirectes et comment les gérer ?",{"type":69,"content":4830},[4831],{"type":72,"content":4832},[4833],{"text":4834,"type":76},"Les charges indirectes sont des coûts partagés entre plusieurs activités et non imputables directement à un seul produit. Spendesk facilite la gestion des charges indirectes en centralisant dépenses, en appliquant tags et règles d'allocation, et en exportant des rapports multi-dimensionnels pour répartir les frais généraux dans la comptabilité.",{"_uid":4836,"title":4837,"component":2644,"description":4838},"697609ae-3213-4d0d-8fad-e5842bc2d8b5","Comment automatiser la catégorisation des charges directes et indirectes avec Spendesk ?",{"type":69,"content":4839},[4840],{"type":72,"content":4841},[4842],{"text":4843,"type":76},"Spendesk automatise la catégorisation des charges avec des règles de mappage fournisseur, tags automatiques, attribution de comptes de charge et paramètres de TVA. Les cartes virtuelles et les workflows d'approbation garantissent que chaque dépense est étiquetée et exportée vers le bon compte comptable sans saisie manuelle.",{"_uid":4845,"title":4846,"component":2644,"description":4847},"b9d2655a-5a65-476d-9a36-d7c3fb710286","Pourquoi une catégorisation correcte des charges est-elle importante pour la comptabilité ?",{"type":69,"content":4848},[4849],{"type":72,"content":4850},[4851],{"text":4852,"type":76},"Une catégorisation correcte assure des états financiers fiables, un calcul exact de la TVA et des décisions budgétaires pertinentes. Spendesk fournit rapports granulaires, contrôle des approbations et exports comptables (CSV, Xero, QuickBooks) pour réduire les erreurs, accélérer les clôtures et améliorer la visibilité financière.",[4854],{"cta":4855,"_uid":4856,"title":4857,"eyebrow":4863,"subtitle":4866,"component":157,"textAlign":51,"sectionSettings":4869,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":51},[],"55d6439e-2d6e-4d0b-811f-88833524e113",{"type":69,"content":4858},[4859],{"type":157,"attrs":4860,"content":4861},{"level":159},[4862],{"text":1479,"type":76},{"type":69,"content":4864},[4865],{"type":72},{"type":69,"content":4867},[4868],{"type":72},[],[4871],{"_uid":4872,"hide":27,"theme":3569,"anchorId":51,"component":3570,"spacingTop":51,"hideOnDevices":4873,"spacingBottom":51,"floatingImages":4874,"variableOverrides":4875},"887f5da9-8cd7-4c15-b74a-887884072568",[],[],[],"charges-directes-vs-indirectes","fr/blog/charges-directes-vs-indirectes",[],"c5aaf963-de62-4c46-b57d-cd48a4a26b74","2025-05-06T13:41:51.421Z",[],"blog/charges-directes-vs-indirectes",[4884,4885,4886],{"path":4882,"name":24,"lang":31,"published":24},{"path":4882,"name":24,"lang":37,"published":24},{"path":4882,"name":24,"lang":39,"published":24},{"name":4888,"created_at":4889,"published_at":4890,"updated_at":4891,"id":4892,"uuid":4893,"content":4894,"slug":5013,"full_slug":5014,"sort_by_date":24,"position":5015,"tag_list":5016,"is_startpage":27,"parent_id":24,"meta_data":24,"group_id":5017,"first_published_at":4890,"release_id":24,"lang":31,"path":24,"alternates":5018,"default_full_slug":5013,"translated_slugs":5019},"Virement SEPA fournisseur 2026 : pourquoi le \"Verification of Payee\" peut bloquer vos paiements et comment l'éviter","2026-06-19T05:19:27.826Z","2026-06-19T05:50:53.428Z","2026-06-19T05:50:53.448Z",189058121048356,"7a10bd8e-3482-40ed-9e06-35d17f9b09ca",{"_uid":4895,"title":4888,"topics":4896,"noIndex":27,"category":4905,"language":4914,"component":906,"heroMedia":4915,"publishedAt":4324,"redirectUrl":51,"listingImage":4922,"metaDescription":4923,"bottomArticleCta":4924,"componentsAfterTheArticle":4925},"eec835b2-3545-4b39-a855-06a20b5ffd72",[4897],{"name":92,"created_at":93,"published_at":6,"updated_at":94,"id":95,"uuid":96,"content":4898,"slug":99,"full_slug":100,"sort_by_date":24,"position":101,"tag_list":4899,"is_startpage":27,"parent_id":103,"meta_data":24,"group_id":104,"first_published_at":105,"release_id":24,"lang":31,"path":24,"alternates":4900,"default_full_slug":107,"translated_slugs":4901,"_stopResolving":40},{"_uid":98,"name":92,"component":21},[],[],[4902,4903,4904],{"path":107,"name":24,"lang":31,"published":24},{"path":107,"name":24,"lang":37,"published":24},{"path":107,"name":24,"lang":39,"published":24},{"name":894,"created_at":895,"published_at":6,"updated_at":896,"id":897,"uuid":898,"content":4906,"slug":906,"full_slug":907,"sort_by_date":24,"position":25,"tag_list":4908,"is_startpage":27,"parent_id":909,"meta_data":24,"group_id":910,"first_published_at":911,"release_id":24,"lang":31,"path":24,"alternates":4909,"default_full_slug":913,"translated_slugs":4910,"_stopResolving":40},{"_uid":900,"icon":4907,"name":894,"component":905},{"id":902,"alt":903,"name":51,"focus":51,"title":51,"filename":904,"copyright":51,"fieldtype":56,"is_external_url":27},[],[],[4911,4912,4913],{"path":913,"name":24,"lang":31,"published":24},{"path":913,"name":24,"lang":37,"published":24},{"path":913,"name":24,"lang":39,"published":24},[31],[4916],{"_uid":4917,"asset":4918,"caption":51,"component":927},"ace26819-6228-4e11-b469-fc1e0e2d3464",{"id":4919,"alt":51,"name":51,"focus":51,"title":51,"source":51,"filename":4920,"copyright":51,"fieldtype":56,"meta_data":4921,"is_external_url":27},158248270548124,"https://a.storyblok.com/f/146026/1536x1024/168b93ea18/financial-due-diligence.png",{},[],"Le controle IBAN VoP bloque les virements SEPA mal renseignés depuis octobre 2025. Découvrez comment fiabiliser vos données fournisseurs et éviter les rejets.",[],[4926],{"cta":4927,"_uid":4928,"items":4929,"heading":4990,"reverse":27,"component":2783,"sectionSettings":5012},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[4930,4940,4950,4960,4970,4980],{"_uid":4931,"hide":27,"title":4932,"component":2644,"description":4933},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes coordonnées fournisseurs pour que le Verification of Payee ne bloque pas mes virements ?",{"type":69,"content":4934},[4935],{"type":72,"attrs":4936,"content":4937},{"textAlign":24},[4938],{"text":4939,"type":76},"Deux priorités avant novembre 2026 : fiabiliser les dénominations légales du référentiel fournisseurs (audit SIRENE, standardisation de la forme juridique, validation de chaque IBAN par sa clé de contrôle) et instaurer un workflow de double vérification pour tout changement de coordonnées bancaires. Les cinq étapes détaillées dans cet article permettent de traiter un référentiel fournisseurs actif et de réduire les alertes \"No Match\" dès la prochaine campagne de paiement.",{"_uid":4941,"hide":27,"title":4942,"component":2644,"description":4943},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":69,"content":4944},[4945],{"type":72,"attrs":4946,"content":4947},{"textAlign":24},[4948],{"text":4949,"type":76},"Les deux chiffres situés après le code pays constituent la clé de controle iban. Ils valident mathématiquement la cohérence du numéro selon l'algorithme MOD-97 (norme ISO 13616). Un IBAN dont la clé est invalide signale une erreur de saisie ou un numéro fabriqué, avant même que le contrôle VoP ne soit déclenché par le PSP. C'est un premier filtre rapide, réalisable dans Excel ou tout logiciel de gestion.",{"_uid":4951,"hide":27,"title":4952,"component":2644,"description":4953},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":69,"content":4954},[4955],{"type":72,"attrs":4956,"content":4957},{"textAlign":24},[4958],{"text":4959,"type":76},"Coordonnez-vous avec votre banque pour comprendre le paramétrage VoP retenu (seuils d'alerte, mode opt-in ou opt-out) et préparez simultanément vos fichiers de paiement au format ISO 20022 avec adresses structurées avant novembre 2026. Les cinq étapes détaillées dans cet article couvrent l'essentiel du projet.",{"_uid":4961,"hide":27,"title":4962,"component":2644,"description":4963},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment le \"Verification of Payee\" aide-t-il à prévenir la fraude au virement fournisseur ?",{"type":69,"content":4964},[4965],{"type":72,"attrs":4966,"content":4967},{"textAlign":24},[4968],{"text":4969,"type":76},"Le VoP détecte automatiquement les incohérences entre le nom du bénéficiaire et le titulaire de l'IBAN. Si l'IBAN transmis ne correspond pas au fournisseur légitime, le PSP renvoie \"No Match\" et suspend le virement avant tout mouvement de fonds. Ce mécanisme couvre l'ensemble des virements SEPA standards et instantanés pour les PSP de la zone euro depuis le 9 octobre 2025.",{"_uid":4971,"hide":27,"title":4972,"component":2644,"description":4973},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":69,"content":4974},[4975],{"type":72,"attrs":4976,"content":4977},{"textAlign":24},[4978],{"text":4979,"type":76},"Auditez votre référentiel fournisseurs en comparant les dénominations avec le registre SIRENE, standardisez le format des noms légaux, validez chaque IBAN par sa clé de contrôle (2 chiffres après le code pays), et instaurez un workflow de double vérification pour tout changement de coordonnées bancaires. La durée d'un audit dépend de la taille et de la qualité initiale du référentiel : mieux vaut l'anticiper avant une campagne de paiement que le découvrir sous pression.",{"_uid":4981,"hide":27,"title":4982,"component":2644,"description":4983},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi un virement SEPA est-il rejeté quand le nom du bénéficiaire et l'IBAN ne correspondent pas ?",{"type":69,"content":4984},[4985],{"type":72,"attrs":4986,"content":4987},{"textAlign":24},[4988],{"text":4989,"type":76},"Depuis le 9 octobre 2025, le Verification of Payee (VoP) oblige les PSP de la zone euro à comparer le nom du bénéficiaire renseigné avec le titulaire réel du compte IBAN. Un écart significatif renvoie \"No Match\" : le PSP suspend le virement en attendant confirmation ou correction. La grande majorité des rejets observés depuis l'entrée en vigueur sont liés à des incohérences de dénomination plutôt qu'à des tentatives de fraude.",[4991],{"cta":4992,"_uid":4993,"title":4994,"eyebrow":5001,"subtitle":5007,"component":157,"textAlign":51,"eyebrowPill":27,"flexibleSection":5010,"sectionSettings":5011,"displaySeparator":27,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":51},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":69,"content":4995},[4996],{"type":157,"attrs":4997,"content":4998},{"level":159,"textAlign":24},[4999],{"text":5000,"type":76},"Ce qu'on nous demande souvent",{"type":69,"content":5002},[5003],{"type":72,"attrs":5004,"content":5005},{"textAlign":24},[5006],{"text":1479,"type":76},{"type":69,"content":5008},[5009],{"type":72},[],[],[],"controle-iban-virement-fournisseur","fr/controle-iban-virement-fournisseur",-610,[],"4dbb530f-c571-46bf-b167-d00a36df77f2",[],[5020,5021,5022],{"path":5013,"name":24,"lang":31,"published":24},{"path":5013,"name":24,"lang":37,"published":24},{"path":5013,"name":24,"lang":39,"published":24},[5024,5025,5026,5027],["Reactive",2938],["Reactive",3401],["Reactive",4887],["Reactive",4731],1783009709173]