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Après plus de 5 ans à écrire pour divers secteurs de la tech française, Gabriel s'est spécialisé dans l'assur-tech et la fintech,  dans le but de mettre en valeur les courants profonds à l'œuvre dans les méthodes et outils de gestion des ressources, observables dans les grandes structures comme pour les plus modestes entités.","text","fr/blog/author/gabriel-autran",-970,[],176408854,"1299388e-ba28-4bc4-9671-0f5c67eee9be","2022-11-02T15:25:41.087Z",[],"blog/author/gabriel-autran",[105,106,107],{"path":103,"name":15,"lang":44,"published":15},{"path":103,"name":15,"lang":50,"published":15},{"path":103,"name":15,"lang":52,"published":15},[109,139],{"name":110,"created_at":111,"published_at":112,"updated_at":113,"id":114,"uuid":115,"content":116,"slug":126,"full_slug":127,"sort_by_date":15,"position":128,"tag_list":129,"is_startpage":24,"parent_id":130,"meta_data":15,"group_id":131,"first_published_at":132,"release_id":15,"lang":44,"path":15,"alternates":133,"default_full_slug":134,"translated_slugs":135,"_stopResolving":21},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-09-29T09:14:42.092Z","2026-09-29T09:14:42.108Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"seo":117,"_uid":125,"name":110,"component":36},[118],{"_uid":119,"noIndex":24,"component":120,"metaFields":121},"2aa0fc88-49a5-41a4-a816-354e28dce638","seo",{"_uid":122,"plugin":123,"description":124},"8bba7b1a-dbab-4ced-b302-6091bbc1233f","meta-fields","Gestion des depenses d'entreprise : visibilite, controle et process pour garder les depenses alignees sur le budget.","5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",-60,[],176456153,"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[136,137,138],{"path":134,"name":15,"lang":44,"published":15},{"path":134,"name":15,"lang":50,"published":15},{"path":134,"name":15,"lang":52,"published":15},{"name":140,"created_at":141,"published_at":142,"updated_at":143,"id":144,"uuid":145,"content":146,"slug":154,"full_slug":155,"sort_by_date":15,"position":156,"tag_list":157,"is_startpage":24,"parent_id":130,"meta_data":15,"group_id":158,"first_published_at":159,"release_id":15,"lang":44,"path":15,"alternates":160,"default_full_slug":161,"translated_slugs":162,"_stopResolving":21},"Tendances","2022-10-19T17:57:54.755Z","2026-09-29T09:14:50.507Z","2026-09-29T09:14:50.522Z",206171420,"c0fff9bc-28bd-40d1-a075-96d63aec83c8",{"seo":147,"_uid":153,"name":140,"component":36},[148],{"_uid":149,"noIndex":24,"component":120,"metaFields":150},"a73e2ebe-63ed-465b-af47-870005457343",{"_uid":151,"plugin":123,"description":152},"ada9392a-5257-4ec8-ba91-2f47e3fe1413","Tendances finance et gestion des depenses : ce qui evolue dans les pratiques et les outils des equipes financieres.","01198365-d840-484a-913e-23d34f966269","tendances","fr/blog/topic/tendances",-240,[],"93bcd96b-1759-4cf6-9cdf-680920ecb67a","2022-11-02T15:24:49.456Z",[],"blog/topic/tendances",[163,164,165],{"path":161,"name":15,"lang":44,"published":15},{"path":161,"name":15,"lang":50,"published":15},{"path":161,"name":15,"lang":52,"published":15},{"type":88,"content":167},[168,179,186,194,200,204,229,233,238,242,268,272,276,286,291,295,304,309,313,321,325,329,334,342,346,350,354,360,365,369,373,382],{"type":91,"content":169},[170,172,177],{"text":171,"type":95},"L’illiquidité est un terme qui pourrait bientôt être sur toutes les lèvres. Avec une année 2023 de plus en plus incertaine sur le plan économique,",{"text":173,"type":95,"marks":174}," il est venu le temps des décisions pour beaucoup de petites et moyennes entreprises.",[175],{"type":176},"bold",{"text":178,"type":95}," Qu’il s’agisse de startups ayant récemment levé des fonds, ou des entreprises bien établies avec une marge de manoeuvre financière limitée, la période invite à une gestion plus efficace et plus transparente de ses ressources, pour s’éloigner le plus possible d’un potentiel risque d’illiquidité.",{"type":180,"attrs":181,"content":183},"heading",{"level":182},2,[184],{"text":185,"type":95},"Les PME particulièrement exposées aux risques d’illiquidité",{"type":91,"content":187},[188,190],{"text":189,"type":95},"Avec l’année 2023 qui s’annonce mouvementée, un pas de deux s’engage entre optimisation des coûts et changements structurels au sein des sociétés, afin d’éviter de se retrouver en situation d’illiquidité, c’est-à-dire ",{"text":191,"type":95,"marks":192},"sans moyens d’honorer les traites courantes et autres créances.",[193],{"type":176},{"type":180,"attrs":195,"content":197},{"level":196},3,[198],{"text":199,"type":95},"L’illiquidité, une des répercussions de la crise du COVID",{"type":91,"content":201},[202],{"text":203,"type":95},"Pendant la crise du COVID, les entreprises ayant contracté des prêts d’état se retrouvent aujourd’hui en situation de devoir les rembourser, alors que ces dernières n’ont pas nécessairement récupéré le temps (et le chiffre d'affaires) perdu pendant la crise sanitaire. C’est pourquoi, pour de nombreuses petites et moyennes entreprises, l’incertitude et la volatilité planent sur leur santé financière.",{"type":91,"content":205},[206,208,212,214,216,218,227],{"text":207,"type":95},"De même, ",{"text":209,"type":95,"marks":210},"l’inflation grignote un peu plus la marge brute de l’exercice du second semestre 2022.",[211],{"type":176},{"text":213,"type":95}," Les coûts de production accrus, l’inflation et les coûts de l’énergie n’y sont pas étrangers.",{"type":215},"hard_break",{"text":217,"type":95},"Pour toutes ces raisons, l’assureur Allianz Trade prévoit qu’en 2023, ",{"text":219,"type":95,"marks":220},"les défaillances d’entreprises seront de nouveau en hausse",[221,225],{"type":222,"attrs":223},"link",{"href":224,"uuid":15,"anchor":15,"target":15,"linktype":70},"https://www.latribune.fr/economie/france/en-france-le-nombre-de-defaillances-d-entreprises-en-2023-va-depasser-le-niveau-d-avant-la-crise-covid-allianz-trade-938407.html",{"type":226},"underline",{"text":228,"type":95},", à des niveaux supérieurs à l’avant COVID.",{"type":91,"content":230},[231],{"text":232,"type":95},"Les entreprises ayant le plus de besoins de ressources sous haute tension - notamment celles dont la consommation énergétique est importante - pourraient se retrouver en difficulté pour l’exercice fiscal du second semestre 2022 et premier semestre 2023.",{"type":180,"attrs":234,"content":235},{"level":196},[236],{"text":237,"type":95},"Les tactiques à envisager pour éviter l’illiquidité",{"type":91,"content":239},[240],{"text":241,"type":95},"La course est donc lancée pour trouver des solutions de financement alternatives, diversifier ses rentrées fiscales et retrouver une flexibilité propre à naviguer les récifs posés par la conjoncture économique. Pour certains il s’agit de se donner les moyens de continuer à se développer. Pour d’autres, il est question de survie.",{"type":91,"content":243},[244,246,262,264],{"text":245,"type":95},"Les startups et le secteur de la tech de manière générale voient déjà les effets de la contraction liée au ",{"text":247,"type":95,"marks":248},"bear market",[249,260],{"type":222,"attrs":250},{"href":251,"uuid":252,"anchor":15,"target":253,"linktype":18,"story":254},"/blog/bear-market","9b813a34-07e1-417c-a1ce-8409cc97a729","_self",{"name":255,"id":256,"uuid":252,"slug":257,"url":258,"full_slug":259,"_stopResolving":21},"Bear Market : le mot de l'année 2023 ?",210014034,"bear-market","blog/bear-market","fr/blog/bear-market",{"type":261},"italic",{"text":263,"type":95},". Les fonds d'investissement sont plus frileux, ce qui peut également constituer un risque pour les nouveaux projets. ",{"text":265,"type":95,"marks":266},"Ceux ayant déjà levé des fonds ont également pour enjeu de conserver leurs réserves de cash.",[267],{"type":176},{"type":91,"content":269},[270],{"text":271,"type":95},"Bien entendu, plus les financements obtenus précédemment sont importants, plus il est probable de pouvoir continuer à fonctionner de manière optimale malgré les turbulences externes, comme le mentionne Julien Lafouge, durant sa dernière intervention au CFO Connect Summit.",{"type":91,"content":273},[274],{"text":275,"type":95},"Par conséquent, honorer ses dépenses devient de plus en plus compliqué, toutes les sources de financement et d’économies sont sur la table.",{"type":91,"content":277},[278,280,284],{"text":279,"type":95},"Ce que désigne le terme d’illiquidité correspond donc, pour les entreprises, à une impasse. ",{"text":281,"type":95,"marks":282},"Rendre son affaire plus résiliante devient donc un indispensable",[283],{"type":176},{"text":285,"type":95}," si l’on souhaite pouvoir continuer son activité, et ce malgré l’augmentation des coûts d’exploitation.",{"type":180,"attrs":287,"content":288},{"level":182},[289],{"text":290,"type":95},"La résilience au centre de la gestion des risques d’illiquidité",{"type":91,"content":292},[293],{"text":294,"type":95},"En fonction des secteurs, les ressources de l’entreprise peuvent se rendre compte que les charges fiscales et les prêts contractés (notamment durant la période de COVID) peuvent constituer un poids supplémentaire pour leur santé financière.",{"type":296,"attrs":297},"blok",{"id":298,"body":299},"5bb1b7b5-0782-4c13-a8c6-b3fecb847435",[300],{"_uid":301,"html":302,"component":303},"i-aac01151-6378-492f-b343-73dca929e193","\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;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/5a02d50d-180b-45fa-9a11-b7868d10d3ef.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, '5a02d50d-180b-45fa-9a11-b7868d10d3ef', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":180,"attrs":305,"content":306},{"level":196},[307],{"text":308,"type":95},"Pourquoi l’illiquidité inquiète",{"type":91,"content":310},[311],{"text":312,"type":95},"L’illiquidité peut devenir synonyme d’insolvabilité. Il n’existe bien évidemment pas de solution miracle pour les entreprises en manque de cash. Les causes sont aussi diverses que les solutions. ",{"type":91,"content":314},[315,317],{"text":316,"type":95},"Les risques liés au crédit sont donc les plus prégnants dès qu’il s’agit d'aborder l’année 2023. Les petites et moyennes entreprises, dont l’enjeu est de conserver une croissance minimum de fonctionnement,",{"text":318,"type":95,"marks":319}," sont au cœur de l’effort de résilience qui concernera vite l’économie française dans son ensemble. ",[320],{"type":176},{"type":91,"content":322},[323],{"text":324,"type":95},"Dans une telle perspective, il est tout naturel que l’illiquidité soit une des préoccupations majeures des directeurs financiers et des chefs d’entreprises. Contrairement à la crise COVID, il sera difficile, cette fois, de compter sur le “quoi qu’il en coûte” répété à l’envi par les pouvoirs publics durant la période de restrictions sanitaires. ",{"type":91,"content":326},[327],{"text":328,"type":95},"Ainsi, c’est donc des restrictions budgétaires qui auront plus fréquemment cours dans le secteur privé comme dans le public. Cela ne signifie pas pour autant que se développer deviendra soudainement impossible.",{"type":180,"attrs":330,"content":331},{"level":196},[332],{"text":333,"type":95},"Répondre aux risques d’illiquidité par des mesures de résilience",{"type":91,"content":335},[336,338],{"text":337,"type":95},"Pour autant, il reste une constante : ",{"text":339,"type":95,"marks":340},"bien aborder sa transformation numérique, se doter d’outils performants et bénéficier de données précises constitue un socle sûr. ",[341],{"type":176},{"type":91,"content":343},[344],{"text":345,"type":95},"Si ce dernier ne suffit pas pour sauver une affaire, il peut néanmoins être précurseur de perfectionnement, en révélant des vulnérabilités dans l’appareil financier d’une société.",{"type":91,"content":347},[348],{"text":349,"type":95},"De plus, les entreprises n’ayant pas pu bénéficier de financements importants lors des années précédentes ou étant dépendantes des PGE contractés lors de la crise COVID, ont encore plus intérêt à mettre en pratique les leçons apprises durant la crise sanitaire. 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Les premiers sont difficilement maîtrisables, et dépendent en grande partie de la conjoncture. 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Sinon, mieux vaut le présenter comme de la ",{"text":2387,"type":95,"marks":2388},"capacité libérée",[2389],{"type":176},{"text":2391,"type":95},".",{"_uid":2393,"hide":24,"title":2394,"component":442,"description":2395},"24bc1289-0edf-4a6b-acc1-6fb450e96e41","Combien de temps faut-il pour déployer une solution de gestion des dépenses ?",{"type":88,"attrs":2396,"content":2397},{"backgroundColor":15},[2398],{"type":91,"attrs":2399,"content":2400},{"textAlign":15},[2401,2403,2407],{"text":2402,"type":95},"La durée dépend notamment de l’intégration comptable, du paramétrage des règles et de la mise à jour de la politique de dépenses. Ce temps doit être intégré au ",{"text":2404,"type":95,"marks":2405},"TCO du projet",[2406],{"type":176},{"text":2408,"type":95},", au même titre que la formation et le double fonctionnement éventuel.",{"_uid":2410,"hide":24,"title":2411,"component":442,"description":2412},"a1bf55a8-49d7-4226-a1ab-aa32e7fd1a36","Quels KPI suivre après le déploiement ?",{"type":88,"attrs":2413,"content":2414},{"backgroundColor":15},[2415],{"type":91,"attrs":2416,"content":2417},{"textAlign":15},[2418,2420,2424],{"text":2419,"type":95},"Suivez quelques indicateurs simples : ",{"text":2421,"type":95,"marks":2422},"durée de la clôture, taux de justificatifs collectés, délai de remboursement et dépenses hors politique",[2423],{"type":176},{"text":2425,"type":95},". 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00:00",[],"Dépenses hors politique, apprenez à qualifier les exceptions, les faire valider et ajuster votre politique sans perdre le contrôle.",[],[2524],{"cta":2525,"_uid":2526,"items":2527,"heading":2612,"reverse":24,"component":503,"sectionSettings":2638},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[2528,2548,2569,2590],{"_uid":2529,"hide":24,"title":2530,"component":442,"description":2531},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":88,"attrs":2532,"content":2533},{"backgroundColor":15},[2534,2539],{"type":91,"attrs":2535,"content":2536},{"textAlign":15},[2537],{"text":2538,"type":95},"Oui, une dépense peut être refusée lorsqu’elle n’est pas professionnelle, qu’elle n’est pas justifiée ou que son montant est manifestement disproportionné.",{"type":91,"attrs":2540,"content":2541},{"textAlign":15},[2542,2544],{"text":2543,"type":95},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":2545,"type":95,"marks":2546},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[2547],{"type":176},{"_uid":2549,"hide":24,"title":2550,"component":442,"description":2551},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":88,"attrs":2552,"content":2553},{"backgroundColor":15},[2554,2559],{"type":91,"attrs":2555,"content":2556},{"textAlign":15},[2557],{"text":2558,"type":95},"Oui. Le collaborateur doit expliquer le dépassement et fournir le justificatif correspondant. L’entreprise peut alors rembourser la totalité de la dépense, seulement la partie située dans la limite prévue ou le montant complet après validation d’une dérogation.",{"type":91,"attrs":2560,"content":2561},{"textAlign":15},[2562,2564,2568],{"text":2563,"type":95},"La décision doit être conservée avec ",{"text":2565,"type":95,"marks":2566},"le motif et l’identité de l’approbateur",[2567],{"type":176},{"text":2391,"type":95},{"_uid":2570,"hide":24,"title":2571,"component":442,"description":2572},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":88,"attrs":2573,"content":2574},{"backgroundColor":15},[2575,2580],{"type":91,"attrs":2576,"content":2577},{"textAlign":15},[2578],{"text":2579,"type":95},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":91,"attrs":2581,"content":2582},{"textAlign":15},[2583,2585,2589],{"text":2584,"type":95},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":2586,"type":95,"marks":2587},"10 ans à compter de la clôture de l’exercice",[2588],{"type":176},{"text":2391,"type":95},{"_uid":2591,"hide":24,"title":2592,"component":442,"description":2593},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":88,"attrs":2594,"content":2595},{"backgroundColor":15},[2596,2601],{"type":91,"attrs":2597,"content":2598},{"textAlign":15},[2599],{"text":2600,"type":95},"Définissez les approbateurs par entité, département et niveau de dépense. Prévoyez également une délégation en cas d’absence et une escalade automatique après un délai déterminé.",{"type":91,"attrs":2602,"content":2603},{"textAlign":15},[2604,2606,2610],{"text":2605,"type":95},"Cette organisation permet à chaque équipe de conserver ",{"text":2607,"type":95,"marks":2608},"un cadre adapté à son activité",[2609],{"type":176},{"text":2611,"type":95},", tout en appliquant des règles cohérentes dans l’ensemble de l’entreprise.",[2613],{"cta":2614,"_uid":2615,"title":2616,"eyebrow":2626,"subtitle":2633,"component":180,"textAlign":12,"eyebrowPill":24,"checkmarkList":24,"flexibleSection":2636,"sectionSettings":2637,"displaySeparator":24,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":12},[],"c107e149-d5dd-4842-9420-50aeadfd20fc",{"type":88,"attrs":2617,"content":2618},{"backgroundColor":15},[2619],{"type":180,"attrs":2620,"content":2621},{"level":182,"textAlign":15},[2622],{"text":2623,"type":95,"marks":2624},"Questions fréquentes sur les dépenses hors politique",[2625],{"type":176},{"type":88,"attrs":2627,"content":2628},{"backgroundColor":15},[2629],{"type":91,"attrs":2630,"content":2631},{"textAlign":15},[2632],{"text":495,"type":95},{"type":88,"content":2634},[2635],{"type":91},[],[],[],"depenses-hors-politique","fr/blog/depenses-hors-politique",-3250,[],"7cdf2e57-e009-48ec-9480-b29699632b7e","2026-09-05T07:33:16.361Z",[],"blog/depenses-hors-politique",[2648,2649,2650],{"path":2646,"name":15,"lang":44,"published":15},{"path":2646,"name":15,"lang":50,"published":15},{"path":2646,"name":15,"lang":52,"published":15},1793991590230]