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En revanche, si votre entreprise compte entre ",{"text":197,"type":143,"marks":198},"11 et 49 salariés",[199],{"type":200},"bold",{"text":202,"type":143},", réalise un bénéfice net fiscal au moins égal à 1 % de son chiffre d’affaires pendant trois exercices consécutifs, et n’est pas déjà soumise à la participation obligatoire, elle doit mettre en place ",{"text":204,"type":143,"marks":205},"un dispositif de partage de la valeur",[206],{"type":200},{"text":208,"type":143}," à partir de l’exercice 2025. ",{"type":137,"attrs":210,"content":212},{"textAlign":26,"key":211},"p-1",[213,215,219],{"text":214,"type":143},"Vous pouvez choisir entre ",{"text":216,"type":143,"marks":217},"la participation, l’intéressement, l’abondement d’un plan d’épargne salariale ou la PPV",[218],{"type":200},{"text":220,"type":143},". La loi n’impose donc ni montant minimal ni enveloppe prédéfinie, mais elle vous oblige à sélectionner et à formaliser l’un de ces dispositifs.",{"type":137,"attrs":222,"content":224},{"textAlign":26,"key":223},"p-2",[225,227,231],{"text":226,"type":143},"Pour le DAF, l’enjeu est double : ",{"text":228,"type":143,"marks":229},"choisir le mécanisme le plus adapté à l’entreprise",[230],{"type":200},{"text":232,"type":143},", puis anticiper son coût, son traitement social, sa date de versement et son impact sur la trésorerie. Ce guide vous aide à comparer les options et à traduire votre décision en budget, en provision et en plan de trésorerie.",{"type":234,"attrs":235},"blok",{"id":236,"body":237},"f6af3d64-6cd4-43b6-a1ea-1cf8132ddc82",[238],{"_uid":239,"text":240,"color":241,"title":242,"component":243},"i-accb5cb7-a11b-4d07-9029-e4b8c37cbf43","- L’obligation concerne principalement 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.\n- La loi n’impose pas de verser une PPV. L’entreprise peut choisir entre **la participation, l’intéressement, l’abondement d’un plan d’épargne ou la PPV**.\n- La PPV doit être formalisée par un accord ou une décision unilatérale de l’employeur.\n- Une PPV peut atteindre **3 000 € ou 6 000 € d’exonération par bénéficiaire et par année civile**, selon les dispositifs existants dans l’entreprise.\n- Dans les entreprises de moins de 50 salariés, un régime temporaire plus favorable s’applique jusqu’au **31 décembre 2026** aux salariés rémunérés sous trois fois le SMIC annuel.\n- L’intéressement et la participation ont des calendriers différents. Pour un exercice clos le 31 décembre, les échéances se situent généralement **fin mai ou début juin**.\n- Le DAF doit traduire le dispositif retenu en **provision, calendrier de paiement et plan de trésorerie**.","orange","📌 À retenir","callout",{"type":245,"attrs":246,"content":248},"heading",{"level":247,"textAlign":26},2,[249],{"text":250,"type":143,"marks":251},"Qui est concerné par l’obligation de partage de la valeur ?",[252],{"type":200},{"type":137,"attrs":254,"content":256},{"textAlign":26,"key":255},"p-3",[257,259,263],{"text":258,"type":143},"L’obligation vise les entreprises d’au moins 11 salariés qui ont réalisé, pendant trois exercices consécutifs, un bénéfice net fiscal au moins égal à ",{"text":260,"type":143,"marks":261},"1 % du chiffre d’affaires",[262],{"type":200},{"text":264,"type":143}," et qui ne sont pas déjà tenues de mettre en place un régime de participation obligatoire.",{"type":137,"attrs":266,"content":268},{"textAlign":26,"key":267},"p-4",[269,271,280],{"text":270,"type":143},"Le dispositif résulte de ",{"text":272,"type":143,"marks":273},"l’article 5 de la loi n° 2023-1107 du 29 novembre 2023",[274,279],{"type":275,"attrs":276},"link",{"href":277,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://www.legifrance.gouv.fr/jorf/article_jo/JORFARTI000048480574","_blank",{"type":200},{"text":281,"type":143},". Il est prévu à titre expérimental pendant cinq ans et s’applique aux exercices ouverts après le 31 décembre 2024.",{"type":234,"attrs":283},{"id":284,"body":285},"c257b3fd-e458-4faa-9432-f7dfff285adf",[286],{"_uid":287,"asset":288,"caption":52,"component":293},"i-85982362-9c55-42a8-b1d1-8a6e0936edef",{"id":289,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":290,"copyright":52,"fieldtype":118,"meta_data":291,"is_external_url":29},208918519626047,"https://a.storyblok.com/f/146026/1600x1067/a8a21c7baf/dts_grand_design_daniel_faro_photos_id4134.jpg",{"size":292},"1600x1067","image",{"type":137,"attrs":295,"content":297},{"textAlign":26,"key":296},"p-5",[298,300,304],{"text":299,"type":143},"Le texte vise les entreprises d’au moins 11 salariés qui ne relèvent pas déjà de l’obligation de participation. ",{"text":301,"type":143,"marks":302},"En pratique, le dispositif concerne principalement les entreprises de 11 à 49 salariés",[303],{"type":200},{"text":305,"type":143},", mais la situation des entreprises plus grandes doit être vérifiée selon leur historique en matière de participation.",{"type":245,"attrs":307,"content":309},{"level":308,"textAlign":26},3,[310],{"text":311,"type":143,"marks":312},"Quelles sont les conditions à remplir ?",[313],{"type":200},{"type":137,"attrs":315,"content":317},{"textAlign":26,"key":316},"p-6",[318],{"text":319,"type":143},"Trois conditions doivent être réunies :",{"type":321,"content":322},"bullet_list",[323,338,351],{"type":324,"content":325},"list_item",[326],{"type":137,"attrs":327,"content":329},{"textAlign":26,"key":328},"p-7",[330,332,336],{"text":331,"type":143},"l’entreprise compte ",{"text":333,"type":143,"marks":334},"au moins 11 salariés",[335],{"type":200},{"text":337,"type":143}," ;",{"type":324,"content":339},[340],{"type":137,"attrs":341,"content":343},{"textAlign":26,"key":342},"p-8",[344,346,350],{"text":345,"type":143},"elle a réalisé un bénéfice net fiscal au moins égal à 1 % de son chiffre d’affaires ",{"text":347,"type":143,"marks":348},"pendant trois exercices consécutifs",[349],{"type":200},{"text":337,"type":143},{"type":324,"content":352},[353],{"type":137,"attrs":354,"content":356},{"textAlign":26,"key":355},"p-9",[357,359,363],{"text":358,"type":143},"elle n’est ",{"text":360,"type":143,"marks":361},"pas déjà soumise à l’obligation de participation",[362],{"type":200},{"text":364,"type":143}," pour l’exercice concerné.",{"type":137,"attrs":366,"content":368},{"textAlign":26,"key":367},"p-10",[369],{"text":370,"type":143},"La forme juridique et les exclusions prévues par le texte doivent également être vérifiées. Les entreprises individuelles relevant des régimes exclus par la loi et certaines sociétés anonymes à participation ouvrière ne sont notamment pas concernées.",{"type":137,"attrs":372,"content":374},{"textAlign":26,"key":373},"p-11",[375],{"text":376,"type":143},"Une SAS de 32 salariés qui a réalisé un bénéfice net fiscal égal à au moins 1 % de son chiffre d’affaires en 2022, 2023 et 2024 entre dans le champ du dispositif pour l’exercice ouvert en 2025.",{"type":137,"attrs":378,"content":380},{"textAlign":26,"key":379},"p-12",[381,383,390],{"text":382,"type":143},"Pour analyser la rentabilité de l’entreprise, le DAF peut s’appuyer sur le ",{"text":384,"type":143,"marks":385},"compte de résultat",[386,389],{"type":275,"attrs":387},{"href":388,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://www.spendesk.com/fr/blog/compte-de-resultat/",{"type":200},{"text":391,"type":143},", tout en faisant valider le calcul du bénéfice net fiscal avec l’expert-comptable.",{"type":245,"attrs":393,"content":394},{"level":308,"textAlign":26},[395],{"text":396,"type":143,"marks":397},"Quand l’obligation s’applique-t-elle pour la première fois ?",[398],{"type":200},{"type":137,"attrs":400,"content":402},{"textAlign":26,"key":401},"p-13",[403],{"text":404,"type":143},"Les trois exercices précédents servent à apprécier la condition de bénéfice. Une entreprise qui remplit les critères sur 2022, 2023 et 2024 doit donc mettre en place un dispositif pour l’exercice ouvert en 2025.",{"type":137,"attrs":406,"content":408},{"textAlign":26,"key":407},"p-14",[409,413],{"text":410,"type":143,"marks":411},"L’obligation ne déclenche pas automatiquement le versement d’une prime.",[412],{"type":200},{"text":414,"type":143}," Elle oblige l’entreprise à choisir et à mettre en œuvre l’un des dispositifs prévus par la loi au titre de l’exercice concerné.",{"type":245,"attrs":416,"content":417},{"level":247,"textAlign":26},[418],{"text":419,"type":143,"marks":420},"Quels dispositifs permettent de respecter l’obligation ?",[421],{"type":200},{"type":137,"attrs":423,"content":425},{"textAlign":26,"key":424},"p-15",[426],{"text":427,"type":143},"L’entreprise peut choisir entre quatre mécanismes 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éligible",{"type":432,"content":564},[565,576,585],{"type":472,"attrs":566,"content":567},{"colspan":437,"rowspan":437,"colwidth":26,"backgroundColor":26},[568],{"type":137,"attrs":569,"content":571},{"textAlign":26,"key":570},"p-28",[572],{"text":573,"type":143,"marks":574},"Prime de partage de la valeur",[575],{"type":200},{"type":472,"attrs":577,"content":578},{"colspan":437,"rowspan":437,"colwidth":26,"backgroundColor":26},[579],{"type":137,"attrs":580,"content":582},{"textAlign":26,"key":581},"p-29",[583],{"text":584,"type":143},"Prime versée aux salariés selon les règles applicables",{"type":472,"attrs":586,"content":587},{"colspan":437,"rowspan":437,"colwidth":26,"backgroundColor":26},[588],{"type":137,"attrs":589,"content":591},{"textAlign":26,"key":590},"p-30",[592],{"text":593,"type":143},"Formaliser le montant, les bénéficiaires et les critères",{"type":137,"attrs":595,"content":597},{"textAlign":26,"key":596},"p-31",[598],{"text":599,"type":143},"Une entreprise déjà couverte par un dispositif applicable au titre de l’exercice est réputée satisfaire à l’obligation. Un accord d’intéressement en vigueur peut donc suffire, sans qu’une PPV supplémentaire soit nécessaire.",{"type":137,"attrs":601,"content":603},{"textAlign":26,"key":602},"p-32",[604,606],{"text":605,"type":143},"Le choix dépend de la stratégie de l’entreprise. ",{"text":607,"type":143,"marks":608},"La PPV offre une grande souplesse, tandis que l’intéressement et la participation s’inscrivent davantage dans un dispositif collectif et durable.",[609],{"type":200},{"type":137,"attrs":611,"content":613},{"textAlign":26,"key":612},"p-33",[614,616,623],{"text":615,"type":143},"Les ",{"text":617,"type":143,"marks":618},"décrets de 2024 relatifs au partage de la valeur",[619,622],{"type":275,"attrs":620},{"href":621,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000049834776",{"type":200},{"text":624,"type":143}," précisent notamment les règles relatives au placement de la PPV, à l’abondement et au calcul des effectifs.",{"type":245,"attrs":626,"content":627},{"level":247,"textAlign":26},[628],{"text":629,"type":143,"marks":630},"Comment mettre en place une prime de partage de la valeur ?",[631],{"type":200},{"type":137,"attrs":633,"content":634},{"textAlign":26,"key":139},[635,637,641],{"text":636,"type":143},"La PPV doit être formalisée par un acte écrit avant son versement. L’employeur peut choisir entre ",{"text":638,"type":143,"marks":639},"un accord collectif et une décision unilatérale de l’employeur",[640],{"type":200},{"text":642,"type":143},".",{"type":137,"attrs":644,"content":645},{"textAlign":26,"key":211},[646],{"text":647,"type":143},"Un accord peut être conclu au niveau de l’entreprise ou du groupe, selon les règles de négociation applicables. La PPV peut également être mise en place par une décision unilatérale de l’employeur.",{"type":137,"attrs":649,"content":650},{"textAlign":26,"key":223},[651,653,660],{"text":652,"type":143},"Lorsque l’entreprise dispose d’un CSE, celui-ci doit être consulté avant la mise en œuvre d’une décision unilatérale. Le ",{"text":654,"type":143,"marks":655},"site officiel consacré à la PPV",[656,659],{"type":275,"attrs":657},{"href":658,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://entreprendre.service-public.gouv.fr/vosdroits/F35235",{"type":200},{"text":661,"type":143}," précise les modalités de mise en place et de versement.",{"type":245,"attrs":663,"content":664},{"level":308,"textAlign":26},[665],{"text":666,"type":143,"marks":667},"Que doit contenir l’acte juridique ?",[668],{"type":200},{"type":137,"attrs":670,"content":671},{"textAlign":26,"key":255},[672],{"text":673,"type":143},"L’accord ou la décision unilatérale doit notamment préciser :",{"type":321,"content":675},[676,683,690,697,704,711],{"type":324,"content":677},[678],{"type":137,"attrs":679,"content":680},{"textAlign":26,"key":267},[681],{"text":682,"type":143},"le montant de la prime ;",{"type":324,"content":684},[685],{"type":137,"attrs":686,"content":687},{"textAlign":26,"key":296},[688],{"text":689,"type":143},"les salariés bénéficiaires ;",{"type":324,"content":691},[692],{"type":137,"attrs":693,"content":694},{"textAlign":26,"key":316},[695],{"text":696,"type":143},"les éventuels critères de modulation ;",{"type":324,"content":698},[699],{"type":137,"attrs":700,"content":701},{"textAlign":26,"key":328},[702],{"text":703,"type":143},"la période de versement ;",{"type":324,"content":705},[706],{"type":137,"attrs":707,"content":708},{"textAlign":26,"key":342},[709],{"text":710,"type":143},"les règles applicables en cas d’absence ;",{"type":324,"content":712},[713],{"type":137,"attrs":714,"content":715},{"textAlign":26,"key":355},[716],{"text":717,"type":143},"les modalités de placement sur un plan d’épargne, si cette option est proposée.",{"type":137,"attrs":719,"content":720},{"textAlign":26,"key":367},[721],{"text":722,"type":143},"Les critères de modulation peuvent notamment porter sur la rémunération, l’ancienneté, la durée de présence effective ou la durée de travail prévue au contrat.",{"type":137,"attrs":724,"content":725},{"textAlign":26,"key":373},[726,728],{"text":727,"type":143},"Chaque PPV doit être couverte par son propre acte juridique. ",{"text":729,"type":143,"marks":730},"Le versement d’une seconde PPV au cours de la même année civile nécessite donc un nouvel accord ou une nouvelle décision unilatérale.",[731],{"type":200},{"type":234,"attrs":733},{"id":284,"body":734},[735],{"_uid":736,"asset":737,"caption":52,"component":293},"i-be34be14-89c4-47e6-9194-e4f3a5c34406",{"id":738,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":739,"copyright":52,"fieldtype":118,"meta_data":740,"is_external_url":29},208918519359783,"https://a.storyblok.com/f/146026/1600x1067/d4fd99ba7f/dts_grand_design_daniel_faro_photos_id4167.jpg",{"size":292},{"type":245,"attrs":742,"content":743},{"level":308,"textAlign":26},[744],{"text":745,"type":143,"marks":746},"Combien de PPV peut-on verser par an ?",[747],{"type":200},{"type":137,"attrs":749,"content":750},{"textAlign":26,"key":379},[751,753,757],{"text":752,"type":143},"L’employeur peut attribuer ",{"text":754,"type":143,"marks":755},"deux PPV au titre d’une même année civile",[756],{"type":200},{"text":758,"type":143},". Chaque prime peut être versée en une ou plusieurs fois, dans la limite d’un versement par trimestre.",{"type":137,"attrs":760,"content":761},{"textAlign":26,"key":401},[762],{"text":763,"type":143},"Cette souplesse permet de choisir un calendrier adapté aux objectifs de l’entreprise. Un DAF peut par exemple prévoir une première prime après la clôture annuelle, puis une seconde au cours du second semestre, à condition de respecter les règles de formalisation et les plafonds d’exonération.",{"type":137,"attrs":765,"content":766},{"textAlign":26,"key":407},[767,769],{"text":768,"type":143},"La PPV ne peut pas remplacer un salaire, une augmentation ou une prime prévue par un accord, un contrat de travail ou un usage. ",{"text":770,"type":143,"marks":771},"Elle doit correspondre à un dispositif distinct et formalisé.",[772],{"type":200},{"type":245,"attrs":774,"content":775},{"level":247,"textAlign":26},[776],{"text":777,"type":143,"marks":778},"Quelle différence entre intéressement et participation ?",[779],{"type":200},{"type":137,"attrs":781,"content":782},{"textAlign":26,"key":424},[783],{"text":784,"type":143},"L’intéressement et la participation poursuivent des objectifs différents.",{"type":137,"attrs":786,"content":787},{"textAlign":26,"key":441},[788],{"text":789,"type":143},"L’intéressement est lié aux résultats ou aux performances de l’entreprise. Il repose sur un accord qui définit une formule objective, aléatoire et collective. Il peut être mis en place même lorsque l’entreprise n’est pas soumise à la participation obligatoire.",{"type":137,"attrs":791,"content":792},{"textAlign":26,"key":452},[793],{"text":794,"type":143},"La participation redistribue une partie des bénéfices de l’entreprise selon une formule légale ou une formule dérogatoire prévue par accord. Elle devient obligatoire pour les entreprises ayant atteint au moins 50 salariés pendant cinq années consécutives, sous réserve des règles applicables.",{"type":245,"attrs":796,"content":797},{"level":308,"textAlign":26},[798],{"text":799,"type":143,"marks":800},"Comment fonctionne l’intéressement ?",[801],{"type":200},{"type":137,"attrs":803,"content":804},{"textAlign":26,"key":463},[805],{"text":806,"type":143},"L’intéressement repose sur une formule liée à des objectifs ou à des résultats mesurables. L’accord peut par exemple prendre en compte :",{"type":321,"content":808},[809,816,823,830,837,844],{"type":324,"content":810},[811],{"type":137,"attrs":812,"content":813},{"textAlign":26,"key":477},[814],{"text":815,"type":143},"le résultat d’exploitation ;",{"type":324,"content":817},[818],{"type":137,"attrs":819,"content":820},{"textAlign":26,"key":488},[821],{"text":822,"type":143},"la croissance du chiffre d’affaires ;",{"type":324,"content":824},[825],{"type":137,"attrs":826,"content":827},{"textAlign":26,"key":497},[828],{"text":829,"type":143},"la marge ;",{"type":324,"content":831},[832],{"type":137,"attrs":833,"content":834},{"textAlign":26,"key":508},[835],{"text":836,"type":143},"la satisfaction client ;",{"type":324,"content":838},[839],{"type":137,"attrs":840,"content":841},{"textAlign":26,"key":519},[842],{"text":843,"type":143},"la productivité ;",{"type":324,"content":845},[846],{"type":137,"attrs":847,"content":848},{"textAlign":26,"key":528},[849],{"text":850,"type":143},"des objectifs environnementaux.",{"type":137,"attrs":852,"content":853},{"textAlign":26,"key":539},[854,856,860],{"text":855,"type":143},"Le montant total des primes d’intéressement ne peut pas dépasser 20 % de la masse salariale brute. Le montant individuel est plafonné à ",{"text":857,"type":143,"marks":858},"75 % du plafond annuel de la Sécurité sociale",[859],{"type":200},{"text":642,"type":143},{"type":137,"attrs":862,"content":863},{"textAlign":26,"key":550},[864,866,873],{"text":865,"type":143},"L’intéressement est exonéré de cotisations de Sécurité sociale et de forfait social dans les entreprises de moins de 250 salariés. Il reste soumis à la CSG et à la CRDS. Les règles applicables sont détaillées sur la page officielle consacrée à ",{"text":867,"type":143,"marks":868},"l’intéressement",[869,872],{"type":275,"attrs":870},{"href":871,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://entreprendre.service-public.gouv.fr/vosdroits/F2140",{"type":200},{"text":642,"type":143},{"type":245,"attrs":875,"content":876},{"level":308,"textAlign":26},[877],{"text":878,"type":143,"marks":879},"Comment fonctionne la participation ?",[880],{"type":200},{"type":137,"attrs":882,"content":883},{"textAlign":26,"key":559},[884],{"text":885,"type":143},"La participation repose sur une formule légale fondée sur le bénéfice net fiscal, les capitaux propres, les salaires et la valeur ajoutée :",{"type":137,"attrs":887,"content":888},{"textAlign":26,"key":570},[889],{"text":890,"type":143,"marks":891},"RSP = ½ × (B − 5 % C) × S / VA",[892],{"type":200},{"type":137,"attrs":894,"content":895},{"textAlign":26,"key":581},[896],{"text":897,"type":143},"Dans cette formule :",{"type":321,"content":899},[900,911,922,933],{"type":324,"content":901},[902],{"type":137,"attrs":903,"content":904},{"textAlign":26,"key":590},[905,909],{"text":906,"type":143,"marks":907},"B",[908],{"type":200},{"text":910,"type":143}," correspond au bénéfice net fiscal ;",{"type":324,"content":912},[913],{"type":137,"attrs":914,"content":915},{"textAlign":26,"key":596},[916,920],{"text":917,"type":143,"marks":918},"C",[919],{"type":200},{"text":921,"type":143}," correspond aux capitaux propres ;",{"type":324,"content":923},[924],{"type":137,"attrs":925,"content":926},{"textAlign":26,"key":602},[927,931],{"text":928,"type":143,"marks":929},"S",[930],{"type":200},{"text":932,"type":143}," correspond aux salaires ;",{"type":324,"content":934},[935],{"type":137,"attrs":936,"content":937},{"textAlign":26,"key":612},[938,942],{"text":939,"type":143,"marks":940},"VA",[941],{"type":200},{"text":943,"type":143}," correspond à la valeur ajoutée.",{"type":137,"attrs":945,"content":947},{"textAlign":26,"key":946},"p-34",[948],{"text":949,"type":143},"La participation est obligatoire pour les entreprises qui atteignent le seuil légal d’effectif pendant la période prévue par la réglementation. Elle reste volontaire pour les entreprises situées en dessous de ce seuil.",{"type":137,"attrs":951,"content":953},{"textAlign":26,"key":952},"p-35",[954,956,963],{"text":955,"type":143},"Pour comprendre le rôle de la valeur ajoutée dans les comptes, consultez notre article sur le ",{"text":957,"type":143,"marks":958},"plan comptable",[959,962],{"type":275,"attrs":960},{"href":961,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://www.spendesk.com/fr/blog/plan-comptable/",{"type":200},{"text":642,"type":143},{"type":245,"attrs":965,"content":966},{"level":308,"textAlign":26},[967],{"text":968,"type":143,"marks":969},"Quel est le plafond individuel d’intéressement en 2026 ?",[970],{"type":200},{"type":234,"attrs":972},{"id":284,"body":973},[974],{"_uid":975,"asset":976,"caption":52,"component":293},"i-bf801e94-f491-4107-a350-b4fa776ff3a1",{"id":977,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":978,"copyright":52,"fieldtype":118,"meta_data":979,"is_external_url":29},208918519269664,"https://a.storyblok.com/f/146026/1600x1067/ed7265df10/dts_grand_design_daniel_faro_photos_id4153.jpg",{"size":292},{"type":137,"attrs":981,"content":983},{"textAlign":26,"key":982},"p-36",[984,986,990,992,996],{"text":985,"type":143},"Le plafond annuel de la Sécurité sociale s’élève à ",{"text":987,"type":143,"marks":988},"48 060 € en 2026",[989],{"type":200},{"text":991,"type":143},", soit ",{"text":993,"type":143,"marks":994},"4 005 € par mois",[995],{"type":200},{"text":997,"type":143},", selon l’arrêté du 22 décembre 2025.",{"type":137,"attrs":999,"content":1001},{"textAlign":26,"key":1000},"p-37",[1002],{"text":1003,"type":143},"Le plafond individuel d’intéressement correspond à 75 % du PASS, soit :",{"type":137,"attrs":1005,"content":1007},{"textAlign":26,"key":1006},"p-38",[1008],{"text":1009,"type":143,"marks":1010},"48 060 € × 75 % = 36 045 €",[1011],{"type":200},{"type":137,"attrs":1013,"content":1015},{"textAlign":26,"key":1014},"p-39",[1016,1018,1022],{"text":1017,"type":143},"Ce plafond constitue une limite individuelle. ",{"text":1019,"type":143,"marks":1020},"Il ne correspond pas au montant automatiquement versé au salarié",[1021],{"type":200},{"text":1023,"type":143},", qui dépend de la formule prévue par l’accord et des résultats obtenus.",{"type":245,"attrs":1025,"content":1026},{"level":247,"textAlign":26},[1027],{"text":1028,"type":143,"marks":1029},"Quel est le coût réel d’une PPV pour l’entreprise ?",[1030],{"type":200},{"type":137,"attrs":1032,"content":1034},{"textAlign":26,"key":1033},"p-40",[1035],{"text":1036,"type":143},"Le coût réel dépend du montant versé, du profil des bénéficiaires et du régime d’exonération applicable.",{"type":137,"attrs":1038,"content":1040},{"textAlign":26,"key":1039},"p-41",[1041,1043,1047,1049,1053],{"text":1042,"type":143},"Le plafond d’exonération de la PPV est fixé à ",{"text":1044,"type":143,"marks":1045},"3 000 € par bénéficiaire et par année civile",[1046],{"type":200},{"text":1048,"type":143},". Il peut atteindre ",{"text":1050,"type":143,"marks":1051},"6 000 €",[1052],{"type":200},{"text":1054,"type":143}," lorsque l’entreprise dispose également d’un dispositif d’intéressement ou de participation, selon les conditions prévues par le régime applicable.",{"type":137,"attrs":1056,"content":1058},{"textAlign":26,"key":1057},"p-42",[1059],{"text":1060,"type":143},"Un régime temporaire plus favorable s’applique du 1er janvier 2024 au 31 décembre 2026 dans les entreprises de moins de 50 salariés. Lorsque le salarié perçoit une rémunération annuelle inférieure à trois fois le SMIC, la PPV peut être exonérée de cotisations sociales, de CSG-CRDS, d’impôt sur le revenu, de taxe sur les salaires et de forfait social, dans les limites prévues.",{"type":137,"attrs":1062,"content":1064},{"textAlign":26,"key":1063},"p-43",[1065,1067,1074],{"text":1066,"type":143},"Les règles sont détaillées dans la fiche ",{"text":1068,"type":143,"marks":1069},"Urssaf consacrée à la prime de partage de la valeur",[1070,1073],{"type":275,"attrs":1071},{"href":1072,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://www.urssaf.fr/accueil/employeur/beneficier-exonerations/prime-partage-valeur.html",{"type":200},{"text":642,"type":143},{"type":137,"attrs":1076,"content":1078},{"textAlign":26,"key":1077},"p-44",[1079,1081,1085],{"text":1080,"type":143},"Ne confondez pas ",{"text":1082,"type":143,"marks":1083},"le plafond d’exonération de 3 000 ou 6 000 €",[1084],{"type":200},{"text":1086,"type":143}," avec le régime temporaire réservé à certaines entreprises et à certains salariés. La reconduction de ce régime au-delà du 31 décembre 2026 doit être vérifiée avant de construire un budget pluriannuel.",{"type":245,"attrs":1088,"content":1089},{"level":308,"textAlign":26},[1090],{"text":1091,"type":143,"marks":1092},"Comment calculer le coût d’une PPV ?",[1093],{"type":200},{"type":137,"attrs":1095,"content":1097},{"textAlign":26,"key":1096},"p-45",[1098,1100,1104],{"text":1099,"type":143},"Prenons une société de 40 salariés qui verse une PPV de ",{"text":1101,"type":143,"marks":1102},"2 000 € à chaque salarié",[1103],{"type":200},{"text":642,"type":143},{"type":137,"attrs":1106,"content":1108},{"textAlign":26,"key":1107},"p-46",[1109],{"text":1110,"type":143},"L’enveloppe brute s’élève à :",{"type":137,"attrs":1112,"content":1114},{"textAlign":26,"key":1113},"p-47",[1115],{"text":1116,"type":143,"marks":1117},"40 × 2 000 € = 80 000 €",[1118],{"type":200},{"type":137,"attrs":1120,"content":1122},{"textAlign":26,"key":1121},"p-48",[1123],{"text":1124,"type":143},"Le coût total dépendra ensuite :",{"type":321,"content":1126},[1127,1135,1143,1151,1159,1167],{"type":324,"content":1128},[1129],{"type":137,"attrs":1130,"content":1132},{"textAlign":26,"key":1131},"p-49",[1133],{"text":1134,"type":143},"du niveau d’exonération applicable ;",{"type":324,"content":1136},[1137],{"type":137,"attrs":1138,"content":1140},{"textAlign":26,"key":1139},"p-50",[1141],{"text":1142,"type":143},"de la rémunération de chaque salarié ;",{"type":324,"content":1144},[1145],{"type":137,"attrs":1146,"content":1148},{"textAlign":26,"key":1147},"p-51",[1149],{"text":1150,"type":143},"de l’existence d’un accord d’intéressement ou de participation ;",{"type":324,"content":1152},[1153],{"type":137,"attrs":1154,"content":1156},{"textAlign":26,"key":1155},"p-52",[1157],{"text":1158,"type":143},"de la fraction éventuellement soumise à cotisations ;",{"type":324,"content":1160},[1161],{"type":137,"attrs":1162,"content":1164},{"textAlign":26,"key":1163},"p-53",[1165],{"text":1166,"type":143},"du traitement fiscal retenu ;",{"type":324,"content":1168},[1169],{"type":137,"attrs":1170,"content":1172},{"textAlign":26,"key":1171},"p-54",[1173],{"text":1174,"type":143},"des éventuels frais de gestion.",{"type":137,"attrs":1176,"content":1178},{"textAlign":26,"key":1177},"p-55",[1179],{"text":1180,"type":143,"marks":1181},"Le DAF doit donc budgéter l’enveloppe brute, puis simuler le coût employeur selon plusieurs scénarios.",[1182],{"type":200},{"type":137,"attrs":1184,"content":1186},{"textAlign":26,"key":1185},"p-56",[1187,1189,1193],{"text":1188,"type":143},"Spendesk peut aider les équipes finance à suivre les engagements de dépenses et la position de trésorerie. Cette visibilité ne remplace pas le calcul de la PPV, de l’intéressement ou de la participation, mais elle facilite le rapprochement entre ",{"text":1190,"type":143,"marks":1191},"les engagements, les provisions et les sorties de trésorerie",[1192],{"type":200},{"text":642,"type":143},{"type":245,"attrs":1195,"content":1196},{"level":247,"textAlign":26},[1197],{"text":1198,"type":143,"marks":1199},"Quand verser l’intéressement, la participation et la PPV ?",[1200],{"type":200},{"type":137,"attrs":1202,"content":1204},{"textAlign":26,"key":1203},"p-57",[1205],{"text":1206,"type":143},"Le calendrier dépend du dispositif retenu.",{"type":137,"attrs":1208,"content":1210},{"textAlign":26,"key":1209},"p-58",[1211,1213,1217],{"text":1212,"type":143},"Pour l’intéressement, le versement doit intervenir au plus tard le dernier jour du cinquième mois suivant la clôture de l’exercice. Pour une entreprise qui clôture au 31 décembre, la date limite est donc généralement ",{"text":1214,"type":143,"marks":1215},"le 31 mai",[1216],{"type":200},{"text":642,"type":143},{"type":137,"attrs":1219,"content":1221},{"textAlign":26,"key":1220},"p-59",[1222,1224,1227],{"text":1223,"type":143},"Pour la participation, le versement doit intervenir avant le premier jour du sixième mois suivant la clôture. Pour un exercice civil, la date limite est donc généralement ",{"text":1214,"type":143,"marks":1225},[1226],{"type":200},{"text":642,"type":143},{"type":137,"attrs":1229,"content":1231},{"textAlign":26,"key":1230},"p-60",[1232],{"text":1233,"type":143},"La PPV ne possède pas une date limite unique comparable. Elle peut être versée au cours de l’année civile, en une ou plusieurs fois, dans la limite d’un versement par trimestre.",{"type":137,"attrs":1235,"content":1237},{"textAlign":26,"key":1236},"p-61",[1238,1240,1247,1249],{"text":1239,"type":143},"Cette différence de calendrier doit apparaître dans le ",{"text":1241,"type":143,"marks":1242},"processus de clôture mensuelle",[1243,1246],{"type":275,"attrs":1244},{"href":1245,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://www.spendesk.com/fr/blog/processus-cloture-mensuelle-comptable/",{"type":200},{"text":1248,"type":143},". 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Le dispositif s’applique aux exercices ouverts après le 31 décembre 2024.",{"_uid":1467,"hide":29,"title":1468,"component":1457,"description":1469},"d4b1057c-3f46-4394-964b-621215b4892e","La prime de partage de la valeur est-elle obligatoire ?",{"type":134,"attrs":1470,"content":1471},{"backgroundColor":26},[1472],{"type":137,"attrs":1473,"content":1474},{"textAlign":26,"key":139},[1475,1477,1481],{"text":1476,"type":143},"Non. La PPV est l’une des options disponibles. L’entreprise peut également choisir ",{"text":1478,"type":143,"marks":1479},"la participation, l’intéressement ou l’abondement d’un plan d’épargne",[1480],{"type":200},{"text":1482,"type":143},", selon les conditions prévues par la loi.",{"_uid":1484,"hide":29,"title":1485,"component":1457,"description":1486},"9b94a6ea-54bc-4b1b-aaa2-32a66217600c","Quel est le plafond d’exonération de la PPV ?",{"type":134,"attrs":1487,"content":1488},{"backgroundColor":26},[1489],{"type":137,"attrs":1490,"content":1491},{"textAlign":26,"key":139},[1492,1494,1497],{"text":1493,"type":143},"La PPV est exonérée dans la limite de ",{"text":1044,"type":143,"marks":1495},[1496],{"type":200},{"text":1498,"type":143},". Ce plafond peut atteindre 6 000 € lorsque l’entreprise dispose aussi d’un dispositif d’intéressement ou de participation. Un régime temporaire plus favorable s’applique jusqu’au 31 décembre 2026 dans certaines entreprises de moins de 50 salariés.",{"_uid":1500,"hide":29,"title":1501,"component":1457,"description":1502},"23d98ee2-c951-4b69-a9b1-1f635e4cca73","Quand verser l’intéressement ou la participation pour un exercice clos le 31 décembre ?",{"type":134,"attrs":1503,"content":1504},{"backgroundColor":26},[1505],{"type":137,"attrs":1506,"content":1507},{"textAlign":26,"key":139},[1508,1510,1513],{"text":1509,"type":143},"Pour un exercice clos le 31 décembre, l’intéressement et la participation doivent généralement être versés au plus tard ",{"text":1214,"type":143,"marks":1511},[1512],{"type":200},{"text":1514,"type":143},", selon les règles propres à chaque dispositif. 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Ils demandent simplement des fonds pour un achat particulier et peuvent utiliser leur carte Spendesk physique ou virtuelle pour effectuer le paiement.",{"type":137,"content":3107},[3108],{"text":3109,"type":143},"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":137,"content":3111},[3112],{"text":3113,"type":143},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":137,"content":3115},[3116,3120,3121],{"text":3117,"type":143,"marks":3118},"Pour les équipes financières",[3119],{"type":200},{"type":3050},{"text":3122,"type":143},"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":137,"content":3124},[3125],{"text":3126,"type":143},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. Par exemple, les décideurs et responsables auront un niveau de dépenses préapprouvé, différent de celui des autres collaborateurs.",{"type":137,"content":3128},[3129],{"text":3130,"type":143},"Si un employé a besoin de revoir son budget pré-approuvé, il peut en faire la demande à son responsable via l'application mobile ou web.",{"type":137,"content":3132},[3133],{"text":3134,"type":143},"Les équipes financières peuvent suivre l'ensemble des dépenses et assurer ainsi le suivi des reçus ou factures manquantes, en envoyant des rappels aux employés.",{"type":137,"content":3136},[3137],{"text":3138,"type":143},"Le suivi des dépenses est également plus facile car les équipes financières peuvent regrouper les dépenses et leur attribuer les bons taux de TVA et comptes de charges, avant de tout exporter en quelques clics vers leurs outils comptables.",{"type":137,"content":3140},[3141],{"text":3142,"type":143},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[3144],{"cta":3145,"_uid":3146,"title":3147,"eyebrow":3154,"subtitle":3157,"component":245,"textAlign":52,"sectionSettings":3163,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":134,"content":3148},[3149],{"type":245,"attrs":3150,"content":3151},{"level":247},[3152],{"text":3153,"type":143},"Démarrer avec Spendesk",{"type":134,"content":3155},[3156],{"type":137},{"type":134,"content":3158},[3159],{"type":137,"content":3160},[3161],{"text":3162,"type":143},"Fermez les comptes 4 fois plus rapidement, collectez plus de 95 % des reçus à temps et obtenez une visibilité de 100 % sur les dépenses de l'entreprise.",[],[],"Table des 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00:00",[],"Clôture comptable en PME multi-entités : automatisez le rapprochement bancaire, fiabilisez le lettrage et pilotez votre checklist de fin de mois.",[],[3207],{"cta":3208,"_uid":3209,"items":3210,"heading":3340,"reverse":29,"component":1562,"sectionSettings":3364},[],"eabab4e5-8889-4c3b-9283-c4934f4f4256",[3211,3221,3231,3276,3286,3296,3330],{"_uid":3212,"hide":29,"title":3213,"component":1457,"description":3214},"b3d4a443-73ee-4408-aa5b-ec71c199e6a2","Quelle est la différence entre rapprochement bancaire et réconciliation bancaire ?",{"type":134,"content":3215},[3216],{"type":137,"attrs":3217,"content":3218},{"textAlign":26},[3219],{"text":3220,"type":143},"Le rapprochement bancaire compare le relevé bancaire avec les écritures du compte 512. La réconciliation est une notion plus large, qui peut également couvrir les comptes clients, fournisseurs, les justificatifs et les opérations entre plusieurs sources de données.",{"_uid":3222,"hide":29,"title":3223,"component":1457,"description":3224},"5aa55bb2-4345-4e98-b91c-d18c1d1817e7","Faut-il faire le lettrage avant le rapprochement bancaire ?",{"type":134,"content":3225},[3226],{"type":137,"attrs":3227,"content":3228},{"textAlign":26},[3229],{"text":3230,"type":143},"Il n’existe pas toujours un ordre obligatoire. En pratique, le lettrage et le rapprochement bancaire peuvent être réalisés en parallèle. Le lettrage permet de nettoyer les comptes clients et fournisseurs, tandis que le rapprochement vérifie la concordance entre la banque et la comptabilité.",{"_uid":3232,"hide":29,"title":3233,"component":1457,"description":3234},"1ead6d5c-8098-43e6-af8f-45c8ed11cddf","Pouvez-vous donner un exemple concret de rapprochement bancaire ?",{"type":134,"content":3235},[3236],{"type":137,"attrs":3237,"content":3238},{"textAlign":26},[3239,3241,3245,3247,3251,3253,3257,3259,3263,3265,3269,3271,3275],{"text":3240,"type":143},"Avec un compte 512 à ",{"text":3242,"type":143,"marks":3243},"42 000 €",[3244],{"type":200},{"text":3246,"type":143}," et un relevé bancaire à ",{"text":3248,"type":143,"marks":3249},"43 650 €",[3250],{"type":200},{"text":3252,"type":143},", un chèque de ",{"text":3254,"type":143,"marks":3255},"1 500 €",[3256],{"type":200},{"text":3258,"type":143}," non débité, un virement client de ",{"text":3260,"type":143,"marks":3261},"240 €",[3262],{"type":200},{"text":3264,"type":143}," et ",{"text":3266,"type":143,"marks":3267},"90 €",[3268],{"type":200},{"text":3270,"type":143}," de frais bancaires ramènent les deux colonnes à un solde corrigé identique de ",{"text":3272,"type":143,"marks":3273},"42 150 €",[3274],{"type":200},{"text":642,"type":143},{"_uid":3277,"hide":29,"title":3278,"component":1457,"description":3279},"e0cd52bf-94a0-4b82-92a0-91d8fea5e069","À quelle fréquence faut-il faire un rapprochement bancaire ?",{"type":134,"content":3280},[3281],{"type":137,"attrs":3282,"content":3283},{"textAlign":26},[3284],{"text":3285,"type":143},"Un rapprochement mensuel constitue une bonne base. En environnement multi-entités ou lorsque les volumes sont importants, un rythme hebdomadaire réduit le nombre d’écarts à traiter lors de la clôture.",{"_uid":3287,"hide":29,"title":3288,"component":1457,"description":3289},"2310f311-5848-474d-871b-8e10246b307a","Quelles sont les dates clés d’une clôture comptable ?",{"type":134,"content":3290},[3291],{"type":137,"attrs":3292,"content":3293},{"textAlign":26},[3294],{"text":3295,"type":143},"Les dates dépendent de l’organisation de l’entreprise. Une checklist peut prévoir le rapprochement et le lettrage entre J+1 et J+5, les écritures d’inventaire avant la validation des comptes et les déclarations fiscales selon les échéances indiquées dans l’espace professionnel.",{"_uid":3297,"hide":29,"title":3298,"component":1457,"description":3299},"556b45a3-d58f-49ab-b364-b512ccb5171f","Quelle peut être la durée du premier exercice comptable ?",{"type":134,"content":3300},[3301],{"type":137,"attrs":3302,"content":3303},{"textAlign":26},[3304,3310,3314,3319,3326],{"text":3305,"type":143,"marks":3306},"Le premier exercice comptable peut durer moins ou plus de 12 mois, dans la limite de ",[3307],{"type":2224,"attrs":3308},{"color":3309},"oklch(0.923 0.003 48.717)",{"text":3311,"type":143,"marks":3312},"24 mois",[3313],{"type":200},{"text":3315,"type":143,"marks":3316},". Lorsque l’exercice dépasse 12 mois, l’entreprise doit néanmoins respecter les obligations d’inventaire prévues par les règles comptables, conformément aux règles relatives à la ",[3317],{"type":2224,"attrs":3318},{"color":3309},{"text":3320,"type":143,"marks":3321},"date de clôture d’un exercice comptable",[3322,3325],{"type":275,"attrs":3323},{"href":3324,"uuid":26,"anchor":26,"target":278,"linktype":122},"https://entreprendre.service-public.fr/vosdroits/F32069",{"type":200},{"text":642,"type":143,"marks":3327},[3328],{"type":2224,"attrs":3329},{"color":3309},{"_uid":3331,"hide":29,"title":3332,"component":1457,"description":3333},"0e745394-5312-4a13-955e-b06e0beb1304","Comment réduire les tâches manuelles lors de la clôture ?",{"type":134,"content":3334},[3335],{"type":137,"attrs":3336,"content":3337},{"textAlign":26},[3338],{"text":3339,"type":143},"La réduction des tâches manuelles passe par la collecte automatique des justificatifs, le rapprochement des transactions, la catégorisation des dépenses, le suivi des exceptions et l’export des écritures vers le logiciel comptable. 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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.",[],[3459],{"cta":3460,"_uid":3461,"items":3462,"heading":3545,"reverse":29,"component":1562,"sectionSettings":3571},[],"b87e3736-f663-4f97-bbd5-bc13fe2b3a5d",[3463,3480,3496,3513,3529],{"_uid":3464,"hide":29,"title":3465,"component":1457,"description":3466},"4d59fbe2-9211-447b-baa7-22ac2a7f57e2","Combien coûte un logiciel de gestion des dépenses pour une PME ?",{"type":134,"attrs":3467,"content":3468},{"backgroundColor":26},[3469],{"type":137,"attrs":3470,"content":3471},{"textAlign":26},[3472,3474,3478],{"text":3473,"type":143},"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":3475,"type":143,"marks":3476},"un abonnement mensuel, une tarification par utilisateur ou une offre sur devis",[3477],{"type":200},{"text":3479,"type":143},". Comparez surtout le coût total avec le temps consacré aujourd’hui à la saisie, aux relances et aux corrections.",{"_uid":3481,"hide":29,"title":3482,"component":1457,"description":3483},"ae408c76-b477-4f6a-807b-ff76fafdbae8","Quelle est la différence entre la gestion des dépenses et les notes de frais ?",{"type":134,"attrs":3484,"content":3485},{"backgroundColor":26},[3486],{"type":137,"attrs":3487,"content":3488},{"textAlign":26},[3489,3491,3495],{"text":3490,"type":143},"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":3492,"type":143,"marks":3493},"cartes d’entreprise, factures fournisseurs, notes de frais, achats récurrents et contrôles budgétaires",[3494],{"type":200},{"text":642,"type":143},{"_uid":3497,"hide":29,"title":3498,"component":1457,"description":3499},"32cbc670-4a0b-4fd7-a27a-71a6ed18f746","Un logiciel de gestion des dépenses est-il compatible avec Pennylane, Cegid ou Sage ?",{"type":134,"attrs":3500,"content":3501},{"backgroundColor":26},[3502],{"type":137,"attrs":3503,"content":3504},{"textAlign":26},[3505,3507,3511],{"text":3506,"type":143},"La plupart des solutions ciblant les PME françaises proposent des intégrations ou des exports vers les principaux logiciels comptables. Vérifiez toutefois ",{"text":3508,"type":143,"marks":3509},"la fréquence de synchronisation, le mapping des comptes, la transmission des justificatifs et la gestion des erreurs",[3510],{"type":200},{"text":3512,"type":143}," avant de choisir.",{"_uid":3514,"hide":29,"title":3515,"component":1457,"description":3516},"77ef4143-b0b8-496e-b7b4-d7305d2baa24","Combien de temps faut-il pour déployer un logiciel de gestion des dépenses ?",{"type":134,"attrs":3517,"content":3518},{"backgroundColor":26},[3519],{"type":137,"attrs":3520,"content":3521},{"textAlign":26},[3522,3524,3528],{"text":3523,"type":143},"Un déploiement simple peut prendre quelques semaines. Le délai augmente avec le nombre d’entités, de cartes, d’utilisateurs et de règles comptables. Un projet complet doit inclure ",{"text":3525,"type":143,"marks":3526},"le paramétrage, les tests, la formation et la validation du flux comptable",[3527],{"type":200},{"text":642,"type":143},{"_uid":3530,"hide":29,"title":3531,"component":1457,"description":3532},"0138006d-8573-42e2-b051-ee13b93ea628","Comment choisir le meilleur logiciel de gestion des dépenses ?",{"type":134,"attrs":3533,"content":3534},{"backgroundColor":26},[3535],{"type":137,"attrs":3536,"content":3537},{"textAlign":26},[3538,3540,3544],{"text":3539,"type":143},"Le meilleur outil est celui qui permet à votre PME de ",{"text":3541,"type":143,"marks":3542},"contrôler les dépenses avant paiement, collecter les justificatifs au bon moment et transmettre des données fiables à la 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comment choisir l’outil adapté à votre entreprise 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00:00",[],[],"Comparez les logiciels de suivi budgétaire : fonctionnalités, budget engagé, approbations, intégrations et critères pour choisir le bon outil.\n",[],[3625],{"cta":3626,"_uid":3627,"items":3628,"heading":3695,"reverse":29,"component":1562,"sectionSettings":3719},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[3629,3640,3651,3662,3673,3684],{"_uid":3630,"hide":29,"title":3631,"component":1457,"description":3632},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":134,"attrs":3633,"content":3634},{"backgroundColor":26},[3635],{"type":137,"attrs":3636,"content":3637},{"textAlign":26},[3638],{"text":3639,"type":143},"Le meilleur outil dépend du nombre d’entités, du nombre de responsables de budget et du niveau de suivi attendu. Une PME avec une seule entité peut commencer avec un logiciel comptable et un outil de gestion des dépenses. Une PME avec plusieurs équipes doit privilégier le suivi du budget engagé, les approbations, les droits d’accès et les intégrations comptables.",{"_uid":3641,"hide":29,"title":3642,"component":1457,"description":3643},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":134,"attrs":3644,"content":3645},{"backgroundColor":26},[3646],{"type":137,"attrs":3647,"content":3648},{"textAlign":26},[3649],{"text":3650,"type":143},"Le budget prévu correspond au montant autorisé. Le budget engagé correspond aux dépenses décidées mais pas encore nécessairement comptabilisées. Le budget réalisé correspond aux dépenses enregistrées ou payées. Comparer les trois permet d’anticiper les dépassements au lieu de les constater à la clôture.",{"_uid":3652,"hide":29,"title":3653,"component":1457,"description":3654},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":134,"attrs":3655,"content":3656},{"backgroundColor":26},[3657],{"type":137,"attrs":3658,"content":3659},{"textAlign":26},[3660],{"text":3661,"type":143},"Excel peut suffire pour une petite structure avec une seule entité, peu de lignes budgétaires et peu d’utilisateurs. Il devient plus fragile lorsque plusieurs versions circulent, que les dépenses engagées ne sont pas suivies ou que les managers ont besoin d’une information en temps réel.",{"_uid":3663,"hide":29,"title":3664,"component":1457,"description":3665},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":134,"attrs":3666,"content":3667},{"backgroundColor":26},[3668],{"type":137,"attrs":3669,"content":3670},{"textAlign":26},[3671],{"text":3672,"type":143},"Non. Un logiciel FP&A sert principalement à construire des scénarios, prévoir les résultats et consolider les données. Un outil de gestion des dépenses capte les demandes, cartes, notes de frais et factures au moment où elles interviennent. Les deux solutions peuvent être complémentaires.",{"_uid":3674,"hide":29,"title":3675,"component":1457,"description":3676},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":134,"attrs":3677,"content":3678},{"backgroundColor":26},[3679],{"type":137,"attrs":3680,"content":3681},{"textAlign":26},[3682],{"text":3683,"type":143},"Vérifiez l’intégration avec votre logiciel comptable, votre ERP, votre outil de paie si nécessaire et vos systèmes de paiement. Contrôlez aussi les données synchronisées, la fréquence des mises à jour, les dimensions analytiques et les possibilités d’export ou d’API.",{"_uid":3685,"hide":29,"title":3686,"component":1457,"description":3687},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":134,"attrs":3688,"content":3689},{"backgroundColor":26},[3690],{"type":137,"attrs":3691,"content":3692},{"textAlign":26},[3693],{"text":3694,"type":143},"Testez-le sur un mois complet et sur un périmètre limité, avec vos propres dépenses. Vérifiez le suivi du budget engagé, les workflows d’approbation, les alertes, les droits d’accès, les exports comptables et le temps nécessaire à la production du reporting.",[3696],{"cta":3697,"_uid":3698,"title":3699,"layout":52,"eyebrow":3707,"subtitle":3714,"component":245,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3717,"sectionSettings":3718,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":134,"attrs":3700,"content":3701},{"backgroundColor":26},[3702],{"type":245,"attrs":3703,"content":3704},{"level":247,"textAlign":26},[3705],{"text":3706,"type":143},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":134,"attrs":3708,"content":3709},{"backgroundColor":26},[3710],{"type":137,"attrs":3711,"content":3712},{"textAlign":26},[3713],{"text":1556,"type":143},{"type":134,"content":3715},[3716],{"type":137},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[3728,3729,3730],{"path":3726,"name":26,"lang":33,"published":26},{"path":3726,"name":26,"lang":39,"published":26},{"path":3726,"name":26,"lang":41,"published":26},{"name":3732,"created_at":3733,"published_at":3734,"updated_at":3735,"id":3736,"uuid":3737,"content":3738,"slug":3851,"full_slug":3852,"sort_by_date":26,"position":3853,"tag_list":3854,"is_startpage":29,"parent_id":1568,"meta_data":26,"group_id":3855,"first_published_at":3856,"release_id":26,"lang":33,"path":26,"alternates":3857,"default_full_slug":3858,"translated_slugs":3859},"Analyse des écarts budgétaires : méthode, seuils et actions correctives","2026-09-11T16:19:06.315Z","2026-11-03T12:09:13.302Z","2026-11-03T12:09:13.332Z",218947364137443,"f8b80f93-aaed-4e0a-b181-7f066352279f",{"_uid":3739,"title":3732,"topics":3740,"noIndex":29,"category":3749,"language":3758,"component":1424,"heroMedia":3759,"publishedAt":3767,"redirectUrl":52,"listingImage":3768,"metaDescription":3769,"bottomArticleCta":3770,"componentsAfterTheArticle":3771},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[3741],{"name":159,"created_at":160,"published_at":161,"updated_at":162,"id":163,"uuid":164,"content":3742,"slug":175,"full_slug":176,"sort_by_date":26,"position":177,"tag_list":3743,"is_startpage":29,"parent_id":179,"meta_data":26,"group_id":180,"first_published_at":181,"release_id":26,"lang":33,"path":26,"alternates":3744,"default_full_slug":183,"translated_slugs":3745,"_stopResolving":42},{"_uid":174,"name":159,"component":23},[],[],[3746,3747,3748],{"path":183,"name":26,"lang":33,"published":26},{"path":183,"name":26,"lang":39,"published":26},{"path":183,"name":26,"lang":41,"published":26},{"name":1412,"created_at":1413,"published_at":16,"updated_at":1414,"id":1415,"uuid":1416,"content":3750,"slug":1424,"full_slug":1425,"sort_by_date":26,"position":27,"tag_list":3752,"is_startpage":29,"parent_id":1427,"meta_data":26,"group_id":1428,"first_published_at":1429,"release_id":26,"lang":33,"path":26,"alternates":3753,"default_full_slug":1431,"translated_slugs":3754,"_stopResolving":42},{"_uid":1418,"icon":3751,"name":1412,"component":1423},{"id":1420,"alt":1421,"name":52,"focus":52,"title":52,"filename":1422,"copyright":52,"fieldtype":118,"is_external_url":29},[],[],[3755,3756,3757],{"path":1431,"name":26,"lang":33,"published":26},{"path":1431,"name":26,"lang":39,"published":26},{"path":1431,"name":26,"lang":41,"published":26},[33],[3760],{"_uid":3761,"link":3762,"asset":3763,"caption":52,"component":293},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":52,"url":52,"linktype":1607,"fieldtype":123,"cached_url":2642,"prep":42},{"id":3764,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3765,"copyright":52,"fieldtype":118,"meta_data":3766,"is_external_url":29},164060175892697,"https://a.storyblok.com/f/146026/1536x1024/28f26daba2/1773976987824-w4lbcl.png",{},"2026-09-11 00:00",[],"Analyse des écarts budgétaires : découvrez comment fixer les seuils, distinguer les causes et transformer le budget contre réel en outil de décision.",[],[3772],{"cta":3773,"_uid":3774,"items":3775,"heading":3826,"reverse":29,"component":1562,"sectionSettings":3850},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3776,3793,3804,3815],{"_uid":3777,"hide":29,"title":3778,"component":1457,"description":3779},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":134,"attrs":3780,"content":3781},{"backgroundColor":26},[3782],{"type":137,"attrs":3783,"content":3784},{"textAlign":26},[3785,3787,3791],{"text":3786,"type":143},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":3788,"type":143,"marks":3789},"projet reporté",[3790],{"type":200},{"text":3792,"type":143},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":3794,"hide":29,"title":3795,"component":1457,"description":3796},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":134,"attrs":3797,"content":3798},{"backgroundColor":26},[3799],{"type":137,"attrs":3800,"content":3801},{"textAlign":26},[3802],{"text":3803,"type":143},"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":3805,"hide":29,"title":3806,"component":1457,"description":3807},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":134,"attrs":3808,"content":3809},{"backgroundColor":26},[3810],{"type":137,"attrs":3811,"content":3812},{"textAlign":26},[3813],{"text":3814,"type":143},"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":3816,"hide":29,"title":3817,"component":1457,"description":3818},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":134,"attrs":3819,"content":3820},{"backgroundColor":26},[3821],{"type":137,"attrs":3822,"content":3823},{"textAlign":26},[3824],{"text":3825,"type":143},"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.",[3827],{"cta":3828,"_uid":3829,"title":3830,"eyebrow":3838,"subtitle":3845,"component":245,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3848,"sectionSettings":3849,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":134,"attrs":3831,"content":3832},{"backgroundColor":26},[3833],{"type":245,"attrs":3834,"content":3835},{"level":247,"textAlign":26},[3836],{"text":3837,"type":143},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":134,"attrs":3839,"content":3840},{"backgroundColor":26},[3841],{"type":137,"attrs":3842,"content":3843},{"textAlign":26},[3844],{"text":1556,"type":143},{"type":134,"content":3846},[3847],{"type":137},[],[],[],"analyse-des-ecarts-budgetaires","fr/blog/analyse-des-ecarts-budgetaires",-3440,[],"39605731-405d-4ed8-ba5f-6ee0217e6dc4","2026-09-11T16:41:03.236Z",[],"blog/analyse-des-ecarts-budgetaires",[3860,3861,3862],{"path":3858,"name":26,"lang":33,"published":26},{"path":3858,"name":26,"lang":39,"published":26},{"path":3858,"name":26,"lang":41,"published":26},["Island",3864],{"key":3865,"result":3866},"MarkdownRenderer_nZgHCe9EOXMaRNsOc50IYfCn01PS9Ok1aay3CeH9p8",{"head":3867},{"link":3868,"style":3869},[],[],1793991551207]