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By joining the tribe, she wants to make the finance world easier to understand for people who, just like her, aren't coming from that sector.","text","juliette-herve","fr/blog/author/juliette-herve",null,-140,[],176408854,"9baa96ac-ad9f-4270-922b-0fdea865e093","2022-11-02T15:26:08.935Z","fr",[],"blog/author/juliette-herve",[69,70,72],{"path":67,"name":59,"lang":65,"published":59},{"path":67,"name":59,"lang":71,"published":59},"de",{"path":67,"name":59,"lang":73,"published":59},"es",true,[76,107],{"name":77,"created_at":78,"published_at":79,"updated_at":80,"id":81,"uuid":82,"content":83,"slug":94,"full_slug":95,"sort_by_date":59,"position":96,"tag_list":97,"is_startpage":29,"parent_id":98,"meta_data":59,"group_id":99,"first_published_at":100,"release_id":59,"lang":65,"path":59,"alternates":101,"default_full_slug":102,"translated_slugs":103,"_stopResolving":74},"Comptabilité","2022-10-19T17:57:49.664Z","2026-09-29T09:14:36.752Z","2026-09-29T09:14:36.770Z",206171401,"d0994ca0-a555-425e-b68f-d17b0657cfdb",{"seo":84,"_uid":92,"name":77,"component":93},[85],{"_uid":86,"noIndex":29,"component":87,"metaFields":88},"003e6fa5-f394-4f34-9194-17a60fb3b7c7","seo",{"_uid":89,"plugin":90,"description":91},"2934225d-3f1b-4f90-b7af-65d9bdf88844","meta-fields","Comptabilite et finance d'entreprise : rapprochements, clotures et comment simplifier le lien entre depenses et comptabilite.","1dc6497e-1135-45e9-a2c6-426facc382ba","tag","comptabilite","fr/blog/topic/comptabilite",-50,[],176456153,"0cd4ad6e-957d-466c-ad0c-f730e74c8b7a","2022-11-02T15:24:55.833Z",[],"blog/topic/comptabilite",[104,105,106],{"path":102,"name":59,"lang":65,"published":59},{"path":102,"name":59,"lang":71,"published":59},{"path":102,"name":59,"lang":73,"published":59},{"name":108,"created_at":109,"published_at":110,"updated_at":111,"id":112,"uuid":113,"content":114,"slug":122,"full_slug":123,"sort_by_date":59,"position":124,"tag_list":125,"is_startpage":29,"parent_id":98,"meta_data":59,"group_id":126,"first_published_at":127,"release_id":59,"lang":65,"path":59,"alternates":128,"default_full_slug":129,"translated_slugs":130,"_stopResolving":74},"Sécurité","2022-10-19T17:57:59.313Z","2026-09-29T09:14:47.352Z","2026-09-29T09:14:47.369Z",206171441,"54876a64-237d-4685-bf9e-2fa75bd5562a",{"seo":115,"_uid":121,"name":108,"component":93},[116],{"_uid":117,"noIndex":29,"component":87,"metaFields":118},"8b5e79bf-9726-481c-bd7f-64a471c347d0",{"_uid":119,"plugin":90,"description":120},"7afae107-3363-4382-9daa-7ed4056b4aff","Securite des paiements d'entreprise : prevention de la fraude, controle des cartes et bonnes pratiques pour proteger les depenses.","9f96a86a-1fce-4768-9397-589aa83520ed","securite","fr/blog/topic/securite",-450,[],"1a51b2af-27a0-4b04-8274-ed80d992ab9a","2022-11-02T15:24:42.431Z",[],"blog/topic/securite",[131,132,133],{"path":129,"name":59,"lang":65,"published":59},{"path":129,"name":59,"lang":71,"published":59},{"path":129,"name":59,"lang":73,"published":59},{"type":49,"content":135},[136,140,151,158,162,167,180,188,192,217,221,241,246,250,278,282,312,314,320,324,370,374,396,401,405,410,414,420,434,440,454,458,459,464,468,476,482,502,506,507,512,516,522,542,548,575,579,580,584,590,594,599,603,609,641,647,667,668,673,677,699,703,704,708,713,717,718,723,727,733,765,771,801,805,806,811,815,821,854,860,882,887,888,893,897,919],{"type":52,"content":137},[138],{"text":139,"type":56},"Le plan de trésorerie est l’un des leviers fondamentaux pour piloter la santé financière des grandes entreprises. Si pour les PME et les startups, la trésorerie est souvent perçue comme un moyen de survie, pour les grandes structures, elle devient un outil stratégique essentiel, garant de stabilité et de croissance. Cet article vous plonge dans les spécificités, les défis et les pratiques avancées qui rendent le plan de trésorerie incontournable pour les grandes entreprises.",{"type":141,"attrs":142},"blok",{"id":143,"body":144},"61b5d950-c15d-4773-9fad-90b9fdacfb83",[145],{"_uid":146,"text":147,"color":148,"title":149,"component":150},"i-4978e363-b8e2-4203-9c52-415190d70379","Deux colonnes structurent le squelette de votre plan de trésorerie :   \n  \nLes encaissements :\n\n- **Chiffre d'affaires prévisionnel** (TVA incluse)\n- **Montant des diverses subventions et prêts** obtenus\n- **Apports en numéraire des associés ou actionnaires**\n- **Remboursements de crédits d'impôt**\n- **Produits exceptionnels** provenant de cessions d'immobilisations\n\nLes décaissements :\n\n- **Achats en matière première**\n- **Salaires et les charges sociales** afférentes\n- **Frais généraux** (loyers, assurances et dépenses courantes).\n- **Investissements**\n- **Montant des remboursements d'emprunt**\n- I**mpôts et les taxes**","purple","Rappel de circonstances","callout",{"type":152,"attrs":153,"content":155},"heading",{"level":154},3,[156],{"text":157,"type":56},"Pourquoi le plan de trésorerie est crucial dans une grande entreprise",{"type":52,"content":159},[160],{"text":161,"type":56},"Les grandes entreprises évoluent dans des environnements complexes, où la visibilité sur les flux financiers est essentielle. Un plan de trésorerie rigoureux permet aux décideurs de maintenir une vue d’ensemble des flux entrants et sortants, d’anticiper les périodes de tension, et de préparer des réponses stratégiques aux fluctuations saisonnières ou sectorielles.",{"type":152,"attrs":163,"content":164},{"level":154},[165],{"text":166,"type":56},"Une vision globale",{"type":52,"content":168},[169,171,178],{"text":170,"type":56},"Dans une structure vaste, avec des flux financiers qui circulent entre de multiples départements et ",{"text":172,"type":56,"marks":173},"autres entités",[174],{"type":175,"attrs":176},"link",{"href":177,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.spendesk.com/fr/blog/gestion-multi-entites/",{"text":179,"type":56},", le plan de trésorerie permet de rassembler ces données pour un pilotage centralisé. Cela offre une vision d’ensemble indispensable pour optimiser l’affectation des ressources et les besoins de financement.",{"type":141,"attrs":181},{"id":182,"body":183},"02411689-3461-4ae0-9bca-ed1961ab66ce",[184],{"_uid":185,"text":186,"color":148,"title":187,"component":150},"i-544fd37a-a126-457c-a0a6-75cf6e1faca6","Un plan de trésorerie offre une vue d’ensemble des flux entrants (ventes, remboursements, subventions) et sortants (achats, salaires, dettes), facilitant ainsi une prise de décision éclairée.","À retenir",{"type":52,"content":189},[190],{"text":191,"type":56},"Les grandes entreprises, en raison de leur taille et de leurs cycles d’exploitation, sont exposées à des variations financières importantes :",{"type":193,"content":194},"bullet_list",[195,207],{"type":196,"content":197},"list_item",[198],{"type":52,"content":199},[200,205],{"text":201,"type":56,"marks":202},"Fluctuations saisonnières",[203],{"type":204},"bold",{"text":206,"type":56}," : par exemple, un pic d’activité à Noël dans le retail ou un ralentissement estival dans l’industrie.",{"type":196,"content":208},[209],{"type":52,"content":210},[211,215],{"text":212,"type":56,"marks":213},"Régulations sectorielles",[214],{"type":204},{"text":216,"type":56}," : des paiements d’impôts ou des variations réglementaires spécifiques qui pèsent sur la trésorerie.",{"type":52,"content":218},[219],{"text":220,"type":56},"Un plan de trésorerie efficace permet de :",{"type":193,"content":222},[223,235],{"type":196,"content":224},[225],{"type":52,"content":226},[227,229,233],{"text":228,"type":56},"Identifier ",{"text":230,"type":56,"marks":231},"les périodes critiques de besoin de liquidités",[232],{"type":204},{"text":234,"type":56}," plusieurs mois à l’avance.",{"type":196,"content":236},[237],{"type":52,"content":238},[239],{"text":240,"type":56},"Planifier des solutions comme des lignes de crédit ou des cessions d’actifs non stratégiques pour éviter une rupture.",{"type":152,"attrs":242,"content":243},{"level":154},[244],{"text":245,"type":56},"Anticiper les fluctuations",{"type":52,"content":247},[248],{"text":249,"type":56},"Outre les variations saisonnières, les grandes entreprises doivent souvent faire face à des défis propres à leur secteur :",{"type":193,"content":251},[252,268],{"type":196,"content":253},[254],{"type":52,"content":255},[256,260,262,266],{"text":257,"type":56,"marks":258},"Variations des coûts des matières premières",[259],{"type":204},{"text":261,"type":56}," : Une augmentation soudaine de ",{"text":263,"type":56,"marks":264},"20 % du prix du pétrole",[265],{"type":204},{"text":267,"type":56},", comme observé dans certaines crises récentes, peut déséquilibrer les prévisions financières dans les secteurs de la logistique ou de l’industrie.",{"type":196,"content":269},[270],{"type":52,"content":271},[272,276],{"text":273,"type":56,"marks":274},"Volatilité des devises",[275],{"type":204},{"text":277,"type":56}," : Les entreprises internationales subissent souvent des écarts de change, qui peuvent impacter leur trésorerie nette de plusieurs millions d’euros.",{"type":52,"content":279},[280],{"text":281,"type":56},"Pour atténuer ces risques, les entreprises mettent en place :",{"type":193,"content":283},[284,294],{"type":196,"content":285},[286],{"type":52,"content":287},[288,292],{"text":289,"type":56,"marks":290},"Des instruments financiers de couverture",[291],{"type":204},{"text":293,"type":56}," : Par exemple, des contrats à terme pour stabiliser le coût des matières premières ou limiter les impacts de change.",{"type":196,"content":295},[296,304],{"type":52,"content":297},[298,302],{"text":299,"type":56,"marks":300},"Une politique de prévision basée sur des scénarios",[301],{"type":204},{"text":303,"type":56}," : Construire des modèles anticipant les meilleures et pires hypothèses pour ajuster les stratégies en conséquence.",{"type":141,"attrs":305},{"id":306,"body":307},"6dd31952-5e2e-4394-bda7-72a93ae3f1f1",[308],{"_uid":309,"html":310,"component":311},"i-f794ca8b-e445-4525-9a06-e8f2b68ea4d2","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\">\u003Cspan class=\"hs-cta-node hs-cta-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\" id=\"hs-cta-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/4f609ab1-a26c-42b2-a6e6-ac3cf77fb726.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, '4f609ab1-a26c-42b2-a6e6-ac3cf77fb726', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":313},"horizontal_rule",{"type":152,"attrs":315,"content":317},{"level":316},4,[318],{"text":319,"type":56},"KPI et outils pour maîtriser les fluctuations",{"type":52,"content":321},[322],{"text":323,"type":56},"Les grandes entreprises performantes s’appuient sur des indicateurs spécifiques pour suivre et gérer les fluctuations :",{"type":325,"attrs":326,"content":329},"ordered_list",{"order":327,"key":328},1,"ol-0",[330,346],{"type":196,"content":331},[332],{"type":52,"content":333},[334,338,340,344],{"text":335,"type":56,"marks":336},"Cash Flow Volatility Index",[337],{"type":204},{"text":339,"type":56}," : Cet indicateur mesure la variabilité des flux de trésorerie sur une période donnée. Une diminution de ",{"text":341,"type":56,"marks":342},"15 %",[343],{"type":204},{"text":345,"type":56}," de cette volatilité est souvent un signe de meilleure gestion.",{"type":196,"content":347},[348],{"type":52,"content":349},[350,354,356,362,364,368],{"text":351,"type":56,"marks":352},"Forecast Accuracy Ratio",[353],{"type":204},{"text":355,"type":56}," : Permet d’évaluer la précision du ",{"text":357,"type":56,"marks":358},"forecasting",[359],{"type":175,"attrs":360},{"href":361,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.spendesk.com/fr/blog/rolling-forecast/",{"text":363,"type":56}," de trésorerie par rapport aux résultats réels. Une précision supérieure à ",{"text":365,"type":56,"marks":366},"90 %",[367],{"type":204},{"text":369,"type":56}," est considérée comme optimale dans les grandes structures.",{"type":52,"content":371},[372],{"text":373,"type":56},"Pour atteindre de tels résultats, de nombreux DAF adoptent des outils avancés :",{"type":193,"content":375},[376,386],{"type":196,"content":377},[378],{"type":52,"content":379},[380,384],{"text":381,"type":56,"marks":382},"ERP intégrés",[383],{"type":204},{"text":385,"type":56}," : Comme SAP ou Oracle, pour collecter et centraliser les données financières.",{"type":196,"content":387},[388],{"type":52,"content":389},[390,394],{"text":391,"type":56,"marks":392},"Solutions de Business Intelligence",[393],{"type":204},{"text":395,"type":56}," : Pour générer des rapports automatisés et détecter les écarts en temps réel.",{"type":152,"attrs":397,"content":398},{"level":154},[399],{"text":400,"type":56},"Spécificités et défis des grandes entreprises",{"type":52,"content":402},[403],{"text":404,"type":56},"Les grandes structures font face à des défis de gestion de trésorerie spécifiques, souvent plus complexes que dans les petites entreprises. En voici les principaux :",{"type":152,"attrs":406,"content":407},{"level":154},[408],{"text":409,"type":56},"Multiples centres de coût : coordonner les ressources de manière stratégique",{"type":52,"content":411},[412],{"text":413,"type":56},"Dans une grande entreprise, les flux financiers sont fragmentés entre différents départements, divisions ou entité, chacun ayant des objectifs budgétaires distincts. Cette décentralisation pose des défis en matière de suivi, de coordination et de consolidation.",{"type":52,"content":415},[416],{"text":417,"type":56,"marks":418},"Défis principaux :",[419],{"type":204},{"type":193,"content":421},[422,428],{"type":196,"content":423},[424],{"type":52,"content":425},[426],{"text":427,"type":56},"Rassembler des données financières éparses provenant de multiples entités.",{"type":196,"content":429},[430],{"type":52,"content":431},[432],{"text":433,"type":56},"Maintenir une cohérence budgétaire tout en respectant l’autonomie de chaque entité.",{"type":52,"content":435},[436],{"text":437,"type":56,"marks":438},"Solutions clés :",[439],{"type":204},{"type":193,"content":441},[442,448],{"type":196,"content":443},[444],{"type":52,"content":445},[446],{"text":447,"type":56},"Mettre en place des outils centralisés permettant de suivre les flux financiers par centre de coût.",{"type":196,"content":449},[450],{"type":52,"content":451},[452],{"text":453,"type":56},"Intégrer des KPIs comme le coût opérationnel par département pour identifier les inefficacités.",{"type":52,"content":455},[456],{"text":457,"type":56},"Une planification de trésorerie rigoureuse garantit que chaque centre de coût utilise les ressources de manière optimale, tout en contribuant à l’objectif financier global.",{"type":313},{"type":152,"attrs":460,"content":461},{"level":316},[462],{"text":463,"type":56},"Gestion des délais de paiement : équilibrer flux entrants et sortants",{"type":52,"content":465},[466],{"text":467,"type":56},"Les grandes structures ont souvent des cycles de paiement complexes, impliquant des volumes importants de créances clients et de dettes fournisseurs. Une mauvaise gestion des délais peut entraîner des tensions de trésorerie ou des pertes financières.",{"type":141,"attrs":469},{"id":470,"body":471},"6531dc0f-c59e-4ae4-96d3-f24a361edaf5",[472],{"_uid":473,"text":474,"color":148,"title":475,"component":150},"i-b914031d-d9db-40a3-b73f-41215ed759a7","- Allongement des délais de paiement des clients, impactant les flux de trésorerie disponibles.\n- Pressions des fournisseurs pour des règlements rapides, réduisant la liquidité immédiate.","Les risques d'une mauvaise  ",{"type":52,"content":477},[478],{"text":479,"type":56,"marks":480},"Il faut donc adopter une méthode proactive et trouver des moyens de :",[481],{"type":204},{"type":193,"content":483},[484,490,496],{"type":196,"content":485},[486],{"type":52,"content":487},[488],{"text":489,"type":56},"Optimiser les délais clients (DSO) et fournisseurs (DPO) pour préserver la trésorerie.",{"type":196,"content":491},[492],{"type":52,"content":493},[494],{"text":495,"type":56},"Mettre en œuvre des politiques de relance automatisées pour réduire les délais d’encaissement.",{"type":196,"content":497},[498],{"type":52,"content":499},[500],{"text":501,"type":56},"Négocier des termes avantageux avec les partenaires stratégiques, en intégrant des outils comme l’affacturage ou le reverse factoring.",{"type":52,"content":503},[504],{"text":505,"type":56},"Un équilibre efficace entre DSO et DPO permet de limiter les tensions financières tout en maintenant des relations solides avec les partenaires.",{"type":313},{"type":152,"attrs":508,"content":509},{"level":316},[510],{"text":511,"type":56},"Internationalisation : gérer la complexité des flux mondiaux",{"type":52,"content":513},[514],{"text":515,"type":56},"Les grandes entreprises opérant à l’international sont confrontées à des défis spécifiques liés aux différences culturelles, réglementaires et économiques des marchés.",{"type":52,"content":517},[518],{"text":519,"type":56,"marks":520},"Principales difficultés :",[521],{"type":204},{"type":193,"content":523},[524,530,536],{"type":196,"content":525},[526],{"type":52,"content":527},[528],{"text":529,"type":56},"Fluctuations des taux de change, impactant la valeur des transactions et des liquidités.",{"type":196,"content":531},[532],{"type":52,"content":533},[534],{"text":535,"type":56},"Conformité avec des réglementations locales variées (fiscales, bancaires, etc.).",{"type":196,"content":537},[538],{"type":52,"content":539},[540],{"text":541,"type":56},"Transferts de liquidités entre pays, souvent soumis à des restrictions ou des coûts élevés.",{"type":52,"content":543},[544],{"text":545,"type":56,"marks":546},"Outils pour répondre à ces enjeux :",[547],{"type":204},{"type":193,"content":549},[550,556,569],{"type":196,"content":551},[552],{"type":52,"content":553},[554],{"text":555,"type":56},"Adopter des stratégies de couverture des risques de change pour sécuriser les transactions internationales.",{"type":196,"content":557},[558],{"type":52,"content":559},[560,562,567],{"text":561,"type":56},"Centraliser les flux grâce à des structures comme le ",{"text":563,"type":56,"marks":564},"cash pooling",[565],{"type":566},"italic",{"text":568,"type":56}," pour optimiser l’utilisation des liquidités.",{"type":196,"content":570},[571],{"type":52,"content":572},[573],{"text":574,"type":56},"Investir dans des ERP ou des logiciels de gestion de trésorerie capables d’intégrer des données multi-devise et multi-région.",{"type":52,"content":576},[577],{"text":578,"type":56},"Ces stratégies permettent aux grandes entreprises de maintenir leur agilité financière malgré la complexité inhérente à leur dimension internationale.",{"type":313},{"type":52,"content":581},[582],{"text":583,"type":56},"Ces défis, bien que significatifs, offrent également des opportunités pour les entreprises capables de s’équiper des bons outils et de mettre en œuvre des processus adaptés. Une gestion proactive et structurée de la trésorerie devient alors un véritable levier de performance et de compétitivité.",{"type":152,"attrs":585,"content":587},{"level":586},2,[588],{"text":589,"type":56},"Les KPI avancés pour une gestion de trésorerie proactive",{"type":52,"content":591},[592],{"text":593,"type":56},"Pour rester compétitives, les grandes entreprises se tournent vers des KPI spécifiques et des tableaux de bord financiers avancés.",{"type":152,"attrs":595,"content":596},{"level":154},[597],{"text":598,"type":56},"Tableaux de bord financiers : une vision centralisée et en temps réel",{"type":52,"content":600},[601],{"text":602,"type":56},"Dans les grandes entreprises, où les flux financiers sont souvent complexes et multi-niveaux, les tableaux de bord deviennent des outils incontournables. Ils permettent de centraliser les données issues de diverses sources, comme les ERP, et de les présenter sous forme d’indicateurs visuels.",{"type":52,"content":604},[605],{"text":606,"type":56,"marks":607},"Caractéristiques d’un tableau de bord efficace :",[608],{"type":204},{"type":193,"content":610},[611,621,631],{"type":196,"content":612},[613],{"type":52,"content":614},[615,619],{"text":616,"type":56,"marks":617},"Centralisation des données",[618],{"type":204},{"text":620,"type":56}," : Consolidation des informations issues de plusieurs filiales ou départements.",{"type":196,"content":622},[623],{"type":52,"content":624},[625,629],{"text":626,"type":56,"marks":627},"Indicateurs personnalisés",[628],{"type":204},{"text":630,"type":56}," : Adaptation des KPI affichés en fonction des besoins stratégiques, comme le suivi des créances, des dettes ou des prévisions de trésorerie.",{"type":196,"content":632},[633],{"type":52,"content":634},[635,639],{"text":636,"type":56,"marks":637},"Mises à jour en temps réel",[638],{"type":204},{"text":640,"type":56}," : Permettent une réactivité immédiate face aux écarts financiers ou aux imprévus.",{"type":52,"content":642},[643],{"text":644,"type":56,"marks":645},"Exemples de données à inclure :",[646],{"type":204},{"type":193,"content":648},[649,655,661],{"type":196,"content":650},[651],{"type":52,"content":652},[653],{"text":654,"type":56},"Encours des créances clients et fournisseurs.",{"type":196,"content":656},[657],{"type":52,"content":658},[659],{"text":660,"type":56},"Variance entre les prévisions et la trésorerie réelle.",{"type":196,"content":662},[663],{"type":52,"content":664},[665],{"text":666,"type":56},"Analyse des flux de trésorerie par région ou unité opérationnelle.",{"type":313},{"type":152,"attrs":669,"content":670},{"level":154},[671],{"text":672,"type":56},"L’apport des outils de business intelligence (BI)",{"type":52,"content":674},[675],{"text":676,"type":56},"Les solutions de BI, intégrées aux tableaux de bord, transforment les données brutes en informations exploitables grâce à des visualisations intuitives et des algorithmes d’analyse avancée. Ces outils offrent :",{"type":193,"content":678},[679,689],{"type":196,"content":680},[681],{"type":52,"content":682},[683,687],{"text":684,"type":56,"marks":685},"Des prévisions dynamiques",[686],{"type":204},{"text":688,"type":56}," : Capables d’anticiper les écarts futurs en fonction des tendances actuelles.",{"type":196,"content":690},[691],{"type":52,"content":692},[693,697],{"text":694,"type":56,"marks":695},"Des alertes intelligentes",[696],{"type":204},{"text":698,"type":56}," : Pour signaler des anomalies ou des seuils critiques dépassés.",{"type":52,"content":700},[701],{"text":702,"type":56},"Les grandes entreprises utilisant ces technologies améliorent significativement leur prise de décision financière, passant d’une gestion réactive à une approche prédictive.",{"type":313},{"type":52,"content":705},[706],{"text":707,"type":56},"En exploitant des KPI avancés et des tableaux de bord financiers centralisés, les grandes entreprises renforcent leur capacité à anticiper les défis et à optimiser leurs stratégies. Ces outils, loin d’être de simples options, deviennent des piliers essentiels d’une gestion de trésorerie moderne et proactive.",{"type":152,"attrs":709,"content":710},{"level":586},[711],{"text":712,"type":56},"Outils et technologies pour automatiser et optimiser le suivi de trésorerie",{"type":52,"content":714},[715],{"text":716,"type":56},"La transformation numérique a profondément modifié la manière dont les grandes entreprises gèrent leur trésorerie. Grâce à des outils avancés et à des technologies émergentes, il est désormais possible d'automatiser les processus financiers, de centraliser les données et de prendre des décisions plus éclairées grâce à des analyses prédictives. Ces innovations permettent aux entreprises d'améliorer leur efficacité tout en réduisant les erreurs et les coûts.",{"type":313},{"type":152,"attrs":719,"content":720},{"level":154},[721],{"text":722,"type":56},"ERP et logiciels spécialisés : une gestion centralisée et automatisée",{"type":52,"content":724},[725],{"text":726,"type":56},"Les ERP (Enterprise Resource Planning) et les logiciels de gestion financière constituent le socle technologique des grandes entreprises pour leur trésorerie. Ils offrent des solutions intégrées permettant de suivre, d'analyser et d'optimiser les flux financiers de manière centralisée.",{"type":52,"content":728},[729],{"text":730,"type":56,"marks":731},"Avantages principaux :",[732],{"type":204},{"type":193,"content":734},[735,745,755],{"type":196,"content":736},[737],{"type":52,"content":738},[739,743],{"text":740,"type":56,"marks":741},"Automatisation des opérations courantes :",[742],{"type":204},{"text":744,"type":56}," Rapprochements bancaires, paiements, suivi des encaissements et prévisions de trésorerie.",{"type":196,"content":746},[747],{"type":52,"content":748},[749,753],{"text":750,"type":56,"marks":751},"Consolidation des données :",[752],{"type":204},{"text":754,"type":56}," Les ERP permettent de regrouper des informations provenant de différentes filiales, devises ou unités opérationnelles.",{"type":196,"content":756},[757],{"type":52,"content":758},[759,763],{"text":760,"type":56,"marks":761},"Réduction des erreurs manuelles :",[762],{"type":204},{"text":764,"type":56}," Une automatisation bien mise en place diminue considérablement les risques d’erreurs de saisie ou d’oubli.",{"type":52,"content":766},[767],{"text":768,"type":56,"marks":769},"Exemples de fonctionnalités clés :",[770],{"type":204},{"type":193,"content":772},[773,783],{"type":196,"content":774},[775],{"type":52,"content":776},[777,781],{"text":778,"type":56,"marks":779},"Suivi en temps réel des flux de trésorerie :",[780],{"type":204},{"text":782,"type":56}," Permet d’identifier immédiatement les écarts ou les tensions.",{"type":196,"content":784},[785],{"type":52,"content":786},[787,791,793,799],{"text":788,"type":56,"marks":789},"Reporting automatisé :",[790],{"type":204},{"text":792,"type":56}," Génération de ",{"text":794,"type":56,"marks":795},"rapports financiers",[796],{"type":175,"attrs":797},{"href":798,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.spendesk.com/fr/blog/reporting-financier/",{"text":800,"type":56}," consolidés sans intervention humaine.",{"type":52,"content":802},[803],{"text":804,"type":56},"Ces solutions permettent aux équipes financières de se concentrer sur des tâches stratégiques à plus forte valeur ajoutée, comme l’optimisation du fonds de roulement ou la préparation de scénarios financiers.",{"type":313},{"type":152,"attrs":807,"content":808},{"level":154},[809],{"text":810,"type":56},"L’intelligence artificielle : des prévisions avancées pour une gestion proactive",{"type":52,"content":812},[813],{"text":814,"type":56},"Les algorithmes d’intelligence artificielle (IA) révolutionnent la gestion de trésorerie en apportant des capacités d’analyse et de prévision bien au-delà des méthodes traditionnelles.",{"type":52,"content":816},[817],{"text":818,"type":56,"marks":819},"Applications concrètes :",[820],{"type":204},{"type":325,"attrs":822,"content":823},{"order":327,"key":328},[824,834,844],{"type":196,"content":825},[826],{"type":52,"content":827},[828,832],{"text":829,"type":56,"marks":830},"Prévisions de liquidités précises :",[831],{"type":204},{"text":833,"type":56}," L’IA peut analyser des millions de données historiques pour identifier des tendances et prédire les besoins en trésorerie en fonction des cycles économiques, des saisons ou des fluctuations de marché.",{"type":196,"content":835},[836],{"type":52,"content":837},[838,842],{"text":839,"type":56,"marks":840},"Détection d’anomalies :",[841],{"type":204},{"text":843,"type":56}," En surveillant les flux financiers en temps réel, les algorithmes peuvent détecter des irrégularités, comme des retards de paiements clients ou des erreurs dans les encaissements.",{"type":196,"content":845},[846],{"type":52,"content":847},[848,852],{"text":849,"type":56,"marks":850},"Simulation de scénarios :",[851],{"type":204},{"text":853,"type":56}," Un modèle d'IA permet de créer des simulations basées sur différents facteurs économiques (hausse des coûts, variations de taux de change) pour anticiper les impacts financiers.",{"type":52,"content":855},[856],{"text":857,"type":56,"marks":858},"Bénéfices majeurs :",[859],{"type":204},{"type":193,"content":861},[862,872],{"type":196,"content":863},[864],{"type":52,"content":865},[866,870],{"text":867,"type":56,"marks":868},"Gain de réactivité :",[869],{"type":204},{"text":871,"type":56}," Les entreprises peuvent ajuster leurs stratégies en fonction des prévisions en temps réel.",{"type":196,"content":873},[874],{"type":52,"content":875},[876,880],{"text":877,"type":56,"marks":878},"Amélioration des prises de décision :",[879],{"type":204},{"text":881,"type":56}," Grâce à des analyses basées sur des données exhaustives, les responsables financiers peuvent mieux gérer les risques et prioriser les investissements.",{"type":141,"attrs":883},{"id":306,"body":884},[885],{"_uid":886,"html":310,"component":311},"i-82139026-3080-48d5-9692-60ad9a0b9a15",{"type":313},{"type":152,"attrs":889,"content":890},{"level":154},[891],{"text":892,"type":56},"Vers une gestion de trésorerie augmentée : intégrer l’humain et la technologie",{"type":52,"content":894},[895],{"text":896,"type":56},"Bien que ces outils permettent une automatisation poussée, leur efficacité repose sur une intégration fluide avec les équipes financières. Les meilleures pratiques incluent :",{"type":193,"content":898},[899,909],{"type":196,"content":900},[901],{"type":52,"content":902},[903,907],{"text":904,"type":56,"marks":905},"Formation continue :",[906],{"type":204},{"text":908,"type":56}," Permettre aux équipes de maîtriser ces technologies et de comprendre les analyses générées.",{"type":196,"content":910},[911],{"type":52,"content":912},[913,917],{"text":914,"type":56,"marks":915},"Collaboration inter-départements :",[916],{"type":204},{"text":918,"type":56}," L’intégration des données provenant des ventes, achats et opérations optimise la qualité des prévisions.",{"type":52,"content":920},[921],{"text":922,"type":56},"Les entreprises qui combinent judicieusement les ERP, l’IA et des équipes financières compétentes peuvent atteindre une gestion de trésorerie à la fois réactive et prédictive, tout en minimisant les risques liés aux fluctuations et aux imprévus. Ces technologies ne sont pas seulement des outils, elles deviennent des leviers stratégiques pour garantir une compétitivité durable.",{"name":924,"created_at":925,"published_at":6,"updated_at":926,"id":927,"uuid":928,"content":929,"slug":936,"full_slug":937,"sort_by_date":59,"position":938,"tag_list":939,"is_startpage":29,"parent_id":940,"meta_data":59,"group_id":941,"first_published_at":942,"release_id":59,"lang":65,"path":59,"alternates":943,"default_full_slug":944,"translated_slugs":945,"_stopResolving":74},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":930,"icon":931,"name":924,"component":935},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":932,"alt":933,"name":23,"focus":23,"title":23,"filename":934,"copyright":23,"fieldtype":28,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[946,947,948],{"path":944,"name":59,"lang":65,"published":59},{"path":944,"name":59,"lang":71,"published":59},{"path":944,"name":59,"lang":73,"published":59},[65],[951],{"_uid":952,"asset":953,"shadow":29,"caption":23,"overlay":956,"component":957},"76d2c148-3c45-439a-a82a-4bcc259c3cba",{"alt":954,"name":23,"focus":23,"title":23,"filename":955,"copyright":23,"fieldtype":28,"is_external_url":29},"gestion comptable - plan de trésorerie - startup - article - spendesk","https://a.storyblok.com/f/146026/1190x670/77de9293b1/plan-tresorerie-startup-article-spendesk.png",[],"image",[],"2024-12-03 00:00","4",[],"Un plan de trésorerie avancé est autant une affaire de liquidités que d'intention d'investissement. Au-delà d'une pièce comptable, il s'agit également de l'expression chiffrée de la stratégie globale des COMEX.",[964],{"_uid":965,"items":966,"heading":1004,"reverse":29,"component":1022,"sectionSettings":1023},"b5de093c-2dc2-4584-a365-bc3bee5176c3",[967,977,986,995],{"_uid":968,"title":969,"component":970,"description":971},"8ed837d3-ef74-40ae-91a2-aa37d2600a7f","Comment créer un plan de trésorerie pour mon entreprise ?","faqItem",{"type":49,"content":972},[973],{"type":52,"content":974},[975],{"text":976,"type":56},"Spendesk permet de créer un plan de trésorerie précis en centralisant les flux de dépenses et de recettes, en synchronisant les transactions bancaires et en utilisant des rapports automatisés. Utilisez les budgets, les cartes virtuelles et le suivi des approbations pour projeter les sorties de trésorerie, ajuster les prévisions et générer des rapports exportables pour la comptabilité.",{"_uid":978,"title":979,"component":970,"description":980},"d63d6831-e66a-4773-9bb3-9d05440826ad","Comment Spendesk aide-t-il à améliorer la visibilité de la trésorerie ?",{"type":49,"content":981},[982],{"type":52,"content":983},[984],{"text":985,"type":56},"Spendesk améliore la visibilité de la trésorerie en fournissant des tableaux de bord en temps réel, des rapports automatisés et la synchronisation bancaire. Les flux d'approbation et les cartes d'entreprise associent dépenses à projets, tandis que l'intégration comptable exporte des écritures pour rapprochement. Ces outils permettent de suivre les soldes disponibles et d'anticiper les besoins de trésorerie.",{"_uid":987,"title":988,"component":970,"description":989},"d64557a5-32cd-4f8f-956f-970d13c69719","Quelles métriques inclure dans un plan de trésorerie ?",{"type":49,"content":990},[991],{"type":52,"content":992},[993],{"text":994,"type":56},"Spendesk recommande d'inclure le solde de trésorerie, les encaissements et décaissements prévus, le burn rate, les délais de paiement clients et fournisseurs, et les réserves de sécurité. 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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":2506},{"type":2506},{"text":2539,"type":56},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2541,"title":2542,"component":970,"description":2543},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":49,"content":2544},[2545,2549,2553,2562,2566,2570,2579,2583,2587,2591,2595],{"type":52,"content":2546},[2547],{"text":2548,"type":56},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":52,"content":2550},[2551],{"text":2552,"type":56},"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":52,"content":2554},[2555,2559,2560],{"text":2556,"type":56,"marks":2557},"Pour les employés",[2558],{"type":204},{"type":2506},{"text":2561,"type":56},"Les employés n'ont plus besoin d'avancer de l'argent. Ils demandent simplement des fonds pour un achat particulier et peuvent utiliser leur carte Spendesk physique ou virtuelle pour effectuer le paiement.",{"type":52,"content":2563},[2564],{"text":2565,"type":56},"Si, pour quelque raison que ce soit, l'employé ne peut pas utiliser sa carte Spendesk, il prend une photo du justificatif via l'application mobile et crée une note de frais en temps réel.",{"type":52,"content":2567},[2568],{"text":2569,"type":56},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":52,"content":2571},[2572,2576,2577],{"text":2573,"type":56,"marks":2574},"Pour les équipes financières",[2575],{"type":204},{"type":2506},{"text":2578,"type":56},"Chaque employé a son propre profil sur Spendesk et son propre budget. Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":52,"content":2580},[2581],{"text":2582,"type":56},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. 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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.",[],[2664],{"cta":2665,"_uid":2666,"items":2667,"heading":2718,"reverse":29,"component":1022,"sectionSettings":2742},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[2668,2685,2696,2707],{"_uid":2669,"hide":29,"title":2670,"component":970,"description":2671},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":49,"attrs":2672,"content":2673},{"backgroundColor":59},[2674],{"type":52,"attrs":2675,"content":2676},{"textAlign":59},[2677,2679,2683],{"text":2678,"type":56},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":2680,"type":56,"marks":2681},"projet reporté",[2682],{"type":204},{"text":2684,"type":56},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":2686,"hide":29,"title":2687,"component":970,"description":2688},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":49,"attrs":2689,"content":2690},{"backgroundColor":59},[2691],{"type":52,"attrs":2692,"content":2693},{"textAlign":59},[2694],{"text":2695,"type":56},"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":2697,"hide":29,"title":2698,"component":970,"description":2699},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":49,"attrs":2700,"content":2701},{"backgroundColor":59},[2702],{"type":52,"attrs":2703,"content":2704},{"textAlign":59},[2705],{"text":2706,"type":56},"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":2708,"hide":29,"title":2709,"component":970,"description":2710},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":49,"attrs":2711,"content":2712},{"backgroundColor":59},[2713],{"type":52,"attrs":2714,"content":2715},{"textAlign":59},[2716],{"text":2717,"type":56},"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.",[2719],{"cta":2720,"_uid":2721,"title":2722,"eyebrow":2730,"subtitle":2737,"component":152,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2740,"sectionSettings":2741,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":49,"attrs":2723,"content":2724},{"backgroundColor":59},[2725],{"type":152,"attrs":2726,"content":2727},{"level":586,"textAlign":59},[2728],{"text":2729,"type":56},"Questions fréquentes sur l'analyse des écarts 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à trois voies, découvrez comment comparer commande, livraison et facture pour sécuriser vos paiements fournisseurs et limiter les erreurs.",[],[2815],{"cta":2816,"_uid":2817,"items":2818,"heading":2905,"reverse":29,"component":1022,"sectionSettings":2931},[],"f5d045b0-cf80-447d-ab21-5a9630df1bc3",[2819,2841,2863,2884],{"_uid":2820,"hide":29,"title":2821,"component":970,"description":2822},"71962f21-f32e-4eb4-8592-9ca401def550","Qu’est-ce que le three-way matching (rapprochement à trois voies) ?",{"type":49,"attrs":2823,"content":2824},{"backgroundColor":59},[2825,2836],{"type":52,"attrs":2826,"content":2827},{"textAlign":59},[2828,2830,2834],{"text":2829,"type":56},"Le three-way matching, ou rapprochement à trois voies, consiste à comparer ",{"text":2831,"type":56,"marks":2832},"le bon de commande, le bon de livraison et la facture",[2833],{"type":204},{"text":2835,"type":56}," avant d’autoriser le paiement.",{"type":52,"attrs":2837,"content":2838},{"textAlign":59},[2839],{"text":2840,"type":56},"Il permet de vérifier que le prix facturé correspond à la commande et que les quantités facturées correspondent aux quantités reçues.",{"_uid":2842,"hide":29,"title":2843,"component":970,"description":2844},"bc4ebe19-7ad2-4e6f-a309-96c28d9f55bb","Quelle différence entre le rapprochement à deux voies et à trois voies ?",{"type":49,"attrs":2845,"content":2846},{"backgroundColor":59},[2847,2852],{"type":52,"attrs":2848,"content":2849},{"textAlign":59},[2850],{"text":2851,"type":56},"Le rapprochement à deux voies compare le bon de commande et la facture. Il convient généralement aux services, aux abonnements et aux licences sans livraison physique.",{"type":52,"attrs":2853,"content":2854},{"textAlign":59},[2855,2857,2861],{"text":2856,"type":56},"Le rapprochement à trois voies ajoute le bon de livraison afin de contrôler ",{"text":2858,"type":56,"marks":2859},"les quantités réellement reçues",[2860],{"type":204},{"text":2862,"type":56},".",{"_uid":2864,"hide":29,"title":2865,"component":970,"description":2866},"ebc3eb86-83d0-4ca3-8c37-778b8a5a0ac1","Quels écarts le rapprochement permet-il de détecter ?",{"type":49,"attrs":2867,"content":2868},{"backgroundColor":59},[2869,2874],{"type":52,"attrs":2870,"content":2871},{"textAlign":59},[2872],{"text":2873,"type":56},"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":52,"attrs":2875,"content":2876},{"textAlign":59},[2877,2879,2883],{"text":2878,"type":56},"Chaque écart doit ensuite être analysé selon ",{"text":2880,"type":56,"marks":2881},"les seuils et les règles définis par l’entreprise",[2882],{"type":204},{"text":2862,"type":56},{"_uid":2885,"hide":29,"title":2886,"component":970,"description":2887},"aa2e2273-ef2c-4887-ab07-9c3e9c8fce3e","Le rapprochement à trois voies est-il obligatoire en France ?",{"type":49,"attrs":2888,"content":2889},{"backgroundColor":59},[2890,2895],{"type":52,"attrs":2891,"content":2892},{"textAlign":59},[2893],{"text":2894,"type":56},"Non, le three-way matching n’est pas une obligation légale générale. Il s’agit d’une bonne pratique de contrôle interne qui aide à sécuriser les achats et les paiements.",{"type":52,"attrs":2896,"content":2897},{"textAlign":59},[2898,2900,2904],{"text":2899,"type":56},"La facturation électronique facilite son automatisation, mais ",{"text":2901,"type":56,"marks":2902},"le niveau de rapprochement doit rester adapté à la nature de chaque dépense",[2903],{"type":204},{"text":2862,"type":56},[2906],{"cta":2907,"_uid":2908,"title":2909,"eyebrow":2919,"subtitle":2926,"component":152,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2929,"sectionSettings":2930,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"f5b9e653-4d2a-42ac-8dd2-65a8fbeba5ff",{"type":49,"attrs":2910,"content":2911},{"backgroundColor":59},[2912],{"type":152,"attrs":2913,"content":2914},{"level":586,"textAlign":59},[2915],{"text":2916,"type":56,"marks":2917},"Questions fréquentes sur le rapprochement à trois 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fournisseurs en anomalie, identifiez les écarts, automatisez les contrôles et traitez les litiges sans retarder vos paiements.",[],[3362],{"cta":3363,"_uid":3364,"items":3365,"heading":3451,"reverse":29,"component":1022,"sectionSettings":3477},[],"302c4b49-3811-4692-8939-e38c44435b6a",[3366,3388,3408,3430],{"_uid":3367,"hide":29,"title":3368,"component":970,"description":3369},"586feb90-1418-41b9-aa88-8bc7a065973d","Comment traiter une facture fournisseur en anomalie ?",{"type":49,"attrs":3370,"content":3371},{"backgroundColor":59},[3372,3383],{"type":52,"attrs":3373,"content":3374},{"textAlign":59},[3375,3377,3381],{"text":3376,"type":56},"Commencez par identifier la nature de l’écart, puis vérifiez la commande, la livraison, le contrat et les informations du fournisseur. ",{"text":3378,"type":56,"marks":3379},"Attribuez ensuite le dossier à la bonne personne",[3380],{"type":204},{"text":3382,"type":56},", avec une action et une échéance précises.",{"type":52,"attrs":3384,"content":3385},{"textAlign":59},[3386],{"text":3387,"type":56},"Une donnée manquante peut être complétée, un écart de prix doit être vérifié avec les achats et une modification d’IBAN doit être confirmée par un canal indépendant.",{"_uid":3389,"hide":29,"title":3390,"component":970,"description":3391},"23cc5f21-cf34-42f3-a1f5-beab78d05f2c","Faut-il bloquer le paiement en cas d’écart entre la commande et la facture ?",{"type":49,"attrs":3392,"content":3393},{"backgroundColor":59},[3394,3399],{"type":52,"attrs":3395,"content":3396},{"textAlign":59},[3397],{"text":3398,"type":56},"Non, pas automatiquement. Si une partie du montant est certaine et non contestée, elle peut être réglée à l’échéance, après validation du paiement partiel et accord avec le fournisseur.",{"type":52,"attrs":3400,"content":3401},{"textAlign":59},[3402,3404],{"text":3403,"type":56},"La ligne litigieuse est ensuite traitée séparément, avec un avoir ou une facture rectificative si nécessaire. ",{"text":3405,"type":56,"marks":3406},"Le paiement doit rester intégralement documenté.",[3407],{"type":204},{"_uid":3409,"hide":29,"title":3410,"component":970,"description":3411},"a2a1cc11-f0d6-4699-8b8b-d7308207a8bb","Comment automatiser le traitement des factures fournisseurs ?",{"type":49,"attrs":3412,"content":3413},{"backgroundColor":59},[3414,3419],{"type":52,"attrs":3415,"content":3416},{"textAlign":59},[3417],{"text":3418,"type":56},"L’automatisation repose sur l’extraction des données, le rapprochement à trois voies, les workflows d’approbation et le paiement intégré.",{"type":52,"attrs":3420,"content":3421},{"textAlign":59},[3422,3424,3428],{"text":3423,"type":56},"L’outil doit également permettre de gérer les exceptions avec ",{"text":3425,"type":56,"marks":3426},"un statut, un responsable et une échéance",[3427],{"type":204},{"text":3429,"type":56},", afin que seules les factures en écart nécessitent une intervention 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00:00",[],"Durée de conservation des documents d’entreprise, découvrez les délais par type, les règles de 2026 et les sanctions en cas de destruction anticipée.",[],[3531],{"cta":3532,"_uid":3533,"items":3534,"heading":3621,"reverse":29,"component":1022,"sectionSettings":3647},[],"0fea1def-2ce1-413f-8891-bfa4124b132b",[3535,3556,3578,3599],{"_uid":3536,"hide":29,"title":3537,"component":970,"description":3538},"794e9889-487e-4056-9e3a-89f78363b1ab","Quelle est la durée de conservation des documents comptables d’une entreprise ?",{"type":49,"attrs":3539,"content":3540},{"backgroundColor":59},[3541,3551],{"type":52,"attrs":3542,"content":3543},{"textAlign":59},[3544,3546,3549],{"text":3545,"type":56},"Les documents comptables doivent généralement être conservés pendant ",{"text":3250,"type":56,"marks":3547},[3548],{"type":204},{"text":3550,"type":56},", conformément à l’article L123-22 du Code de 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Les entreprises doivent donc ",{"text":3573,"type":56,"marks":3574},"revoir leur calendrier de destruction",[3575],{"type":204},{"text":3577,"type":56}," pour les archives fiscales déjà constituées.",{"_uid":3579,"hide":29,"title":3580,"component":970,"description":3581},"50716ec3-c6ea-4122-9d26-9e070d157bf4","Peut-on détruire les documents papier après les avoir numérisés ?",{"type":49,"attrs":3582,"content":3583},{"backgroundColor":59},[3584,3589],{"type":52,"attrs":3585,"content":3586},{"textAlign":59},[3587],{"text":3588,"type":56},"Oui, uniquement si la copie numérique est fiable et si la procédure de numérisation respecte les exigences légales.",{"type":52,"attrs":3590,"content":3591},{"textAlign":59},[3592,3594,3598],{"text":3593,"type":56},"Un scan ou une photographie isolée ne suffit pas nécessairement. La copie doit être fidèle, intègre et conservée dans un système qui garantit ",{"text":3595,"type":56,"marks":3596},"son authenticité et sa stabilité dans le temps",[3597],{"type":204},{"text":2862,"type":56},{"_uid":3600,"hide":29,"title":3601,"component":970,"description":3602},"f8581ebf-6928-4ef9-9c43-c782a781cb5b","Quelle administration peut réclamer les documents d’une entreprise ?",{"type":49,"attrs":3603,"content":3604},{"backgroundColor":59},[3605,3610],{"type":52,"attrs":3606,"content":3607},{"textAlign":59},[3608],{"text":3609,"type":56},"La DGFiP peut demander les documents comptables et fiscaux nécessaires à un contrôle fiscal. L’URSSAF peut demander les pièces utiles au contrôle des cotisations sociales.",{"type":52,"attrs":3611,"content":3612},{"textAlign":59},[3613,3615,3619],{"text":3614,"type":56},"Le délai applicable dépend de la nature du document. 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Une note de débit peut être contestée lorsque ",{"text":3744,"type":56,"marks":3745},"la référence à la facture initiale, le motif du supplément ou les montants sont absents ou erronés",[3746],{"type":204},{"text":2862,"type":56},{"type":52,"attrs":3749,"content":3750},{"textAlign":59},[3751],{"text":3752,"type":56},"Ces trois éléments doivent être contrôlés avant toute acceptation et tout paiement. 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Il peut gérer ",{"text":4156,"type":56,"marks":4157},"les banques, les paiements, le financement, les devises, la liquidité et les prévisions",[4158],{"type":204},{"text":4160,"type":56}," dans un environnement multi-entités.",{"_uid":4162,"hide":29,"title":4163,"component":970,"description":4164},"3fbe144e-73f9-48ca-9cce-605968ae8135","Quel logiciel de trésorerie choisir pour une PME ?",{"type":49,"attrs":4165,"content":4166},{"backgroundColor":59},[4167],{"type":52,"attrs":4168,"content":4169},{"textAlign":59},[4170,4172,4176],{"text":4171,"type":56},"Une PME peut privilégier une solution de trésorerie spécialisée, une brique intégrée à son logiciel comptable ou une solution bancaire enrichie. 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Une CCA concerne une charge déjà comptabilisée, mais qui relève en tout ou partie de l’exercice suivant.",{"_uid":4311,"hide":29,"title":4312,"component":970,"description":4313},"4540fc40-ceed-4b1e-bd58-d6b959b77b91","Une charge constatée d’avance a-t-elle un impact sur la TVA ?",{"type":49,"attrs":4314,"content":4315},{"backgroundColor":59},[4316],{"type":52,"attrs":4317,"content":4318},{"textAlign":59},[4319],{"text":4320,"type":56},"Non. La CCA est enregistrée hors taxes, car la facture initiale a déjà été comptabilisée avec sa TVA. La régularisation porte uniquement sur la charge et ne génère pas de nouveau mouvement de TVA.",{"_uid":4322,"hide":29,"title":4323,"component":970,"description":4324},"14b5a143-d63c-4d94-81a3-8da36fe06104","Faut-il extourner les écritures de FNP et de CCA ?",{"type":49,"attrs":4325,"content":4326},{"backgroundColor":59},[4327],{"type":52,"attrs":4328,"content":4329},{"textAlign":59},[4330,4332,4336],{"text":4331,"type":56},"Oui, ces écritures d’inventaire sont généralement extournées à l’ouverture de l’exercice suivant. 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00:00",[],"Logiciel de gestion des dépenses pour PME : comparez cartes d’entreprise, notes de frais, factures, workflows et intégrations comptables.",[],[4467],{"cta":4468,"_uid":4469,"items":4470,"heading":4553,"reverse":29,"component":1022,"sectionSettings":4579},[],"b87e3736-f663-4f97-bbd5-bc13fe2b3a5d",[4471,4488,4504,4521,4537],{"_uid":4472,"hide":29,"title":4473,"component":970,"description":4474},"4d59fbe2-9211-447b-baa7-22ac2a7f57e2","Combien coûte un logiciel de gestion des dépenses pour une PME ?",{"type":49,"attrs":4475,"content":4476},{"backgroundColor":59},[4477],{"type":52,"attrs":4478,"content":4479},{"textAlign":59},[4480,4482,4486],{"text":4481,"type":56},"Le prix dépend du nombre d’utilisateurs, des cartes, des fonctionnalités, du volume de transactions et des intégrations demandées. Les solutions peuvent fonctionner avec ",{"text":4483,"type":56,"marks":4484},"un abonnement mensuel, une tarification par utilisateur ou une offre sur devis",[4485],{"type":204},{"text":4487,"type":56},". Comparez surtout le coût total avec le temps consacré aujourd’hui à la saisie, aux relances et aux corrections.",{"_uid":4489,"hide":29,"title":4490,"component":970,"description":4491},"ae408c76-b477-4f6a-807b-ff76fafdbae8","Quelle est la différence entre la gestion des dépenses et les notes de frais ?",{"type":49,"attrs":4492,"content":4493},{"backgroundColor":59},[4494],{"type":52,"attrs":4495,"content":4496},{"textAlign":59},[4497,4499,4503],{"text":4498,"type":56},"Les notes de frais concernent les dépenses avancées personnellement par les collaborateurs et remboursées par l’entreprise. La gestion des dépenses couvre un périmètre plus large : ",{"text":4500,"type":56,"marks":4501},"cartes d’entreprise, factures fournisseurs, notes de frais, achats récurrents et contrôles budgétaires",[4502],{"type":204},{"text":2862,"type":56},{"_uid":4505,"hide":29,"title":4506,"component":970,"description":4507},"32cbc670-4a0b-4fd7-a27a-71a6ed18f746","Un logiciel de gestion des dépenses est-il compatible avec Pennylane, Cegid ou Sage ?",{"type":49,"attrs":4508,"content":4509},{"backgroundColor":59},[4510],{"type":52,"attrs":4511,"content":4512},{"textAlign":59},[4513,4515,4519],{"text":4514,"type":56},"La plupart des solutions ciblant les PME françaises proposent des intégrations ou des exports vers les principaux logiciels comptables. 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00:00",[],"Omnibus CSRD 2026 : seuils de 1 000 salariés et 450 M€, calendrier révisé, VSME et actions à prévoir pour les DAF et les entreprises.\n",[],[4660],{"cta":4661,"_uid":4662,"items":4663,"heading":4741,"reverse":29,"component":1022,"sectionSettings":4765},[],"72e4f3db-ca09-4f67-905a-cbe932d89f63",[4664,4681,4698,4709,4726],{"_uid":4665,"hide":29,"title":4666,"component":970,"description":4667},"181c2e80-937b-4dbb-b6ca-5a80d3e17ab4","Quelles entreprises restent soumises à la CSRD après l’Omnibus ?",{"type":49,"attrs":4668,"content":4669},{"backgroundColor":59},[4670],{"type":52,"attrs":4671,"content":4672},{"textAlign":59},[4673,4675,4679],{"text":4674,"type":56},"Les entreprises qui dépassent simultanément ",{"text":4676,"type":56,"marks":4677},"1 000 salariés et 450 millions d’euros de chiffre d’affaires net",[4678],{"type":204},{"text":4680,"type":56}," restent dans le périmètre obligatoire de la CSRD révisée. Les entreprises qui ne dépassent pas ces deux seuils sortent généralement du périmètre obligatoire, sous réserve des situations particulières liées au groupe.",{"_uid":4682,"hide":29,"title":4683,"component":970,"description":4684},"bfbaba5b-ac8e-401b-946f-85e887a81303","Quand les entreprises nouvellement concernées publieront-elles leur premier rapport ?",{"type":49,"attrs":4685,"content":4686},{"backgroundColor":59},[4687],{"type":52,"attrs":4688,"content":4689},{"textAlign":59},[4690,4692,4696],{"text":4691,"type":56},"Les entreprises nouvellement concernées par les seuils révisés publieront leur premier rapport en ",{"text":4693,"type":56,"marks":4694},"2028 sur l’exercice 2027",[4695],{"type":204},{"text":4697,"type":56},". 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Les demandes doivent s’appuyer sur le contenu du standard volontaire applicable.",{"_uid":4710,"hide":29,"title":4711,"component":970,"description":4712},"2968fde6-2210-4088-aff7-ed1275aa59fa","À quoi sert le VSME pour une entreprise sortie du périmètre CSRD ?",{"type":49,"attrs":4713,"content":4714},{"backgroundColor":59},[4715],{"type":52,"attrs":4716,"content":4717},{"textAlign":59},[4718,4720,4724],{"text":4719,"type":56},"Le VSME permet à une PME de structurer ",{"text":4721,"type":56,"marks":4722},"un socle volontaire et proportionné de données de durabilité",[4723],{"type":204},{"text":4725,"type":56},". Il peut servir à répondre de manière cohérente aux demandes des clients, des banques et des investisseurs sans produire un reporting ESRS complet.",{"_uid":4727,"hide":29,"title":4728,"component":970,"description":4729},"e41936c7-2806-4062-a9ad-1db84714b967","Comment préparer la suite après l’Omnibus ?",{"type":49,"attrs":4730,"content":4731},{"backgroundColor":59},[4732],{"type":52,"attrs":4733,"content":4734},{"textAlign":59},[4735,4737],{"text":4736,"type":56},"L’Omnibus réduit le périmètre obligatoire de la CSRD, mais il ne supprime pas les demandes de données ESG dans les relations commerciales. ",{"text":4738,"type":56,"marks":4739},"La priorité consiste donc à clarifier votre statut, puis à fiabiliser les informations que vos clients peuvent vous demander.",[4740],{"type":204},[4742],{"cta":4743,"_uid":4744,"title":4745,"eyebrow":4753,"subtitle":4760,"component":152,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4763,"sectionSettings":4764,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"cbaf1c9f-32d2-4f32-9c41-f2aeab756a1a",{"type":49,"attrs":4746,"content":4747},{"backgroundColor":59},[4748],{"type":152,"attrs":4749,"content":4750},{"level":586,"textAlign":59},[4751],{"text":4752,"type":56},"Questions fréquentes sur l'Omnibus et la CSRD",{"type":49,"attrs":4754,"content":4755},{"backgroundColor":59},[4756],{"type":52,"attrs":4757,"content":4758},{"textAlign":59},[4759],{"text":1344,"type":56},{"type":49,"content":4761},[4762],{"type":52},[],[],[],"omnibus-csrd","fr/blog/omnibus-csrd",-2540,[],"1521f5a7-3bc3-4ac6-8f3e-3b1096afb3ba",[],"blog/omnibus-csrd",[4774,4775,4776],{"path":4772,"name":59,"lang":65,"published":59},{"path":4772,"name":59,"lang":71,"published":59},{"path":4772,"name":59,"lang":73,"published":59},{"name":4778,"created_at":4779,"published_at":4780,"updated_at":4781,"id":4782,"uuid":4783,"content":4784,"slug":4929,"full_slug":4930,"sort_by_date":59,"position":4931,"tag_list":4932,"is_startpage":29,"parent_id":1035,"meta_data":59,"group_id":4933,"first_published_at":4780,"release_id":59,"lang":65,"path":59,"alternates":4934,"default_full_slug":4935,"translated_slugs":4936},"Prime de partage de la valeur en 2026 : obligations, options et budget pour le DAF","2026-08-14T12:31:34.489Z","2026-08-14T13:16:37.062Z","2026-08-14T13:16:37.096Z",208982403064812,"cda6c1a0-234e-4589-92f5-228566c4b76e",{"_uid":4785,"title":4778,"topics":4786,"noIndex":29,"category":4795,"language":4804,"component":936,"heroMedia":4805,"publishedAt":4655,"redirectUrl":23,"listingImage":4812,"metaDescription":4813,"bottomArticleCta":4814,"componentsAfterTheArticle":4815},"343b3128-983a-45ff-a746-24a1aa918690",[4787],{"name":77,"created_at":78,"published_at":79,"updated_at":80,"id":81,"uuid":82,"content":4788,"slug":94,"full_slug":95,"sort_by_date":59,"position":96,"tag_list":4789,"is_startpage":29,"parent_id":98,"meta_data":59,"group_id":99,"first_published_at":100,"release_id":59,"lang":65,"path":59,"alternates":4790,"default_full_slug":102,"translated_slugs":4791,"_stopResolving":74},{"_uid":92,"name":77,"component":93},[],[],[4792,4793,4794],{"path":102,"name":59,"lang":65,"published":59},{"path":102,"name":59,"lang":71,"published":59},{"path":102,"name":59,"lang":73,"published":59},{"name":924,"created_at":925,"published_at":6,"updated_at":926,"id":927,"uuid":928,"content":4796,"slug":936,"full_slug":937,"sort_by_date":59,"position":938,"tag_list":4798,"is_startpage":29,"parent_id":940,"meta_data":59,"group_id":941,"first_published_at":942,"release_id":59,"lang":65,"path":59,"alternates":4799,"default_full_slug":944,"translated_slugs":4800,"_stopResolving":74},{"_uid":930,"icon":4797,"name":924,"component":935},{"id":932,"alt":933,"name":23,"focus":23,"title":23,"filename":934,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4801,4802,4803],{"path":944,"name":59,"lang":65,"published":59},{"path":944,"name":59,"lang":71,"published":59},{"path":944,"name":59,"lang":73,"published":59},[65],[4806],{"_uid":4807,"asset":4808,"caption":23,"component":957},"2ebe63d4-f1f6-4462-97d2-90386ee2fee1",{"id":4809,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4810,"copyright":23,"fieldtype":28,"meta_data":4811,"is_external_url":29},189927423877183,"https://a.storyblok.com/f/146026/1376x768/90b9e67f35/1778521717468-v1ey7.png",{},[],"Partage de la valeur 2026 : obligations des entreprises, choix entre PPV, intéressement et participation, calendrier et budget à prévoir pour le DAF.",[],[4816],{"cta":4817,"_uid":4818,"items":4819,"heading":4904,"reverse":29,"component":1022,"sectionSettings":4928},[],"eb685b66-d405-4a61-974b-de4f3560b4f0",[4820,4831,4848,4865,4882],{"_uid":4821,"hide":29,"title":4822,"component":970,"description":4823},"f1780251-ae4a-425d-a4f8-1d7bea3a582b","Quelles entreprises sont concernées par l’obligation de partage de la valeur ?",{"type":49,"attrs":4824,"content":4825},{"backgroundColor":59},[4826],{"type":52,"attrs":4827,"content":4828},{"textAlign":59},[4829],{"text":4830,"type":56},"L’obligation concerne les entreprises d’au moins 11 salariés qui ont réalisé un bénéfice net fiscal d’au moins 1 % du chiffre d’affaires pendant trois exercices consécutifs et qui ne sont pas déjà soumises à la participation obligatoire. Le dispositif s’applique aux exercices ouverts après le 31 décembre 2024.",{"_uid":4832,"hide":29,"title":4833,"component":970,"description":4834},"d4b1057c-3f46-4394-964b-621215b4892e","La prime de partage de la valeur est-elle obligatoire ?",{"type":49,"attrs":4835,"content":4836},{"backgroundColor":59},[4837],{"type":52,"attrs":4838,"content":4839},{"textAlign":59},[4840,4842,4846],{"text":4841,"type":56},"Non. La PPV est l’une des options disponibles. L’entreprise peut également choisir ",{"text":4843,"type":56,"marks":4844},"la participation, l’intéressement ou l’abondement d’un plan d’épargne",[4845],{"type":204},{"text":4847,"type":56},", selon les conditions prévues par la loi.",{"_uid":4849,"hide":29,"title":4850,"component":970,"description":4851},"9b94a6ea-54bc-4b1b-aaa2-32a66217600c","Quel est le plafond d’exonération de la PPV ?",{"type":49,"attrs":4852,"content":4853},{"backgroundColor":59},[4854],{"type":52,"attrs":4855,"content":4856},{"textAlign":59},[4857,4859,4863],{"text":4858,"type":56},"La PPV est exonérée dans la limite de ",{"text":4860,"type":56,"marks":4861},"3 000 € par bénéficiaire et par année civile",[4862],{"type":204},{"text":4864,"type":56},". Ce plafond peut atteindre 6 000 € lorsque l’entreprise dispose aussi d’un dispositif d’intéressement ou de participation. 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