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Cela pose de nombreux problèmes pour maîtriser son ",{"text":172,"type":61,"marks":173},"plan de financement",[174],{"type":175,"attrs":176},"link",{"href":177,"uuid":178,"anchor":63,"target":63,"linktype":179,"story":180},"plan-de-financement","b4dfe19b-3fae-422b-87a8-6aea9235b9d2","story",{"name":181,"id":182,"uuid":178,"slug":177,"url":183,"full_slug":184,"_stopResolving":78},"Plan de financement de A à Z : guide pour PME",213437473,"blog/plan-de-financement","fr/blog/plan-de-financement",{"text":186,"type":61},". Il s'agit donc ici de limiter, voire de résoudre entièrement les problèmes de délais de paiement dans un contexte BtoB.",{"type":188,"attrs":189,"content":191},"heading",{"level":190},2,[192],{"text":193,"type":61},"Retards de paiement : définition",{"type":57,"content":195},[196],{"text":197,"type":61},"Un retard de paiement désigne un délai imprévu entre la réception d’une commande de bien ou de service et sa compensation. Cette définition revêt également un caractère légal, qu’il convient de prendre en compte pour qualifier si oui ou non une facture fait l’objet d’un retard de paiement.",{"type":57,"content":199},[200],{"type":201,"attrs":202},"blok",{"id":203,"body":204},"4f78bae6-10bc-41e9-8f05-03687df2ecc3",[205],{"_uid":206,"html":207,"component":208},"6dfc73dc-679d-4db7-9bb8-dd0a342eb936","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-250a6647-ebf5-4c94-9537-50a87a788834\">\u003Cspan class=\"hs-cta-node hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\" id=\"hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/250a6647-ebf5-4c94-9537-50a87a788834\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-250a6647-ebf5-4c94-9537-50a87a788834\" style=\"border-width:0px;\" height=\"630\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/250a6647-ebf5-4c94-9537-50a87a788834.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, '250a6647-ebf5-4c94-9537-50a87a788834', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":188,"attrs":210,"content":212},{"level":211},3,[213],{"text":214,"type":61},"Comment sont qualifiés les retards de paiement ?",{"type":57,"content":216},[217],{"text":218,"type":61},"Tout vient à point à qui sait attendre, mais qui sait attendre sait peut-être aussi quand cela suffit.",{"type":57,"content":220},[221,223,229,231,236],{"text":222,"type":61},"Les ",{"text":224,"type":61,"marks":225},"recouvrement amiable de créances",[226],{"type":175,"attrs":227},{"href":228,"uuid":63,"anchor":63,"target":63,"linktype":34},"https://www.economie.gouv.fr/dgccrf/Publications/Vie-pratique/Fiches-pratiques/recouvrement-creances",{"text":230,"type":61}," de créances constitue le moyen le plus courant pour combler le retard pris par un paiement. Est-il alors possible de ",{"text":232,"type":61,"marks":233},"systématiser ses processus d’achats et s’assurer une réponse mesurée et informée",[234],{"type":235},"bold",{"text":237,"type":61}," sur la marche à suivre lors d’un retard de paiement ? On peut ainsi songer à se doter d’un outil dédié.",{"type":57,"content":239},[240,242,249,251,255],{"text":241,"type":61},"Le délai par principe, si la date de paiement n’est pas indiquée sur une ",{"text":243,"type":61,"marks":244},"facture",[245],{"type":175,"attrs":246},{"href":247,"uuid":248,"anchor":63,"target":63,"linktype":179},"nouvelle-fonctionnalite-gestion-factures","4eee37c0-3187-443d-b5ba-e3d4208d284f",{"text":250,"type":61},", se situe à ",{"text":252,"type":61,"marks":253},"30 jours à partir de la date de réception",[254],{"type":235},{"text":256,"type":61}," des marchandises, ou de la fin de la prestation de service.",{"type":188,"attrs":258,"content":259},{"level":211},[260],{"text":261,"type":61},"Quelles sont les causes les plus fréquentes de retards de paiement ?",{"type":57,"content":263},[264,266,270],{"text":265,"type":61},"Il convient de rappeler que la plupart des retards de paiement ne tiennent pas de malveillance de la part des payeurs. Les cas les plus courants concernent surtout des erreurs ",{"text":267,"type":61,"marks":268},"humaines dans la facturation ou dans la livraison",[269],{"type":235},{"text":271,"type":61},".",{"type":57,"content":273},[274,276,280],{"text":275,"type":61},"Au-delà du bénéfice du doute, on peut également citer ",{"text":277,"type":61,"marks":278},"le manque de suivi comme une cause majeure des retards de paiements qui traînent en longueur",[279],{"type":235},{"text":281,"type":61},". En outre, il s’agit parfois de préserver de bonnes relations avec un client en lui accordant un délai supplémentaire.",{"type":188,"attrs":283,"content":284},{"level":190},[285],{"text":286,"type":61},"Mettre en place une politique d’achats pour anticiper les retards de paiement",{"type":57,"content":288},[289,291,303,305,309],{"text":290,"type":61},"Les premières victimes des retards de paiement sont en effet les relations de confiance entretenues avec un client. Avant même le ",{"text":292,"type":61,"marks":293},"compte de résultat",[294],{"type":175,"attrs":295},{"href":296,"uuid":297,"anchor":63,"target":63,"linktype":179,"story":298},"compte-de-resultat","8b8b6b57-a556-43c2-b823-5b077d351b3b",{"name":299,"id":300,"uuid":297,"slug":296,"url":301,"full_slug":302,"_stopResolving":78},"Compte de résultat : savoir l’analyser et le piloter toute l’année",214317378,"blog/compte-de-resultat","fr/blog/compte-de-resultat",{"text":304,"type":61},", ",{"text":306,"type":61,"marks":307},"la qualité du suivi client est la première à pâtir des éventuels retards de paiement",[308],{"type":235},{"text":271,"type":61},{"type":57,"content":311},[312,314,318,320,324,337,341],{"text":313,"type":61},"S’il s’agit d’une relation de longue date, il est souhaitable de ",{"text":315,"type":61,"marks":316},"conserver la fidélité dont celle-ci découle",[317],{"type":235},{"text":319,"type":61},". Ainsi, ",{"text":321,"type":61,"marks":322},"les ",[323],{"type":235},{"text":325,"type":61,"marks":326},"rappels automatisés",[327,336],{"type":175,"attrs":328},{"href":329,"uuid":330,"anchor":63,"target":63,"linktype":179,"story":331},"automatisation-daf","f88442c8-71ae-42c9-a7b4-4f0cd9e861a8",{"name":332,"id":333,"uuid":330,"slug":329,"url":334,"full_slug":335,"_stopResolving":78},"Tout ce que vous devez (absolument) savoir sur l'automatisation de la DAF",208800779,"blog/automatisation-daf","fr/blog/automatisation-daf",{"type":235},{"text":338,"type":61,"marks":339}," permettent de mettre une saine distance",[340],{"type":235},{"text":342,"type":61}," entre le rappel du paiement et la personne chargée du suivi du dossier.",{"type":57,"content":344},[345,347,351],{"text":346,"type":61},"On peut notamment ",{"text":348,"type":61,"marks":349},"anticiper les mouvements financiers des nouveaux clients en examinant l’historique de ses prestataires",[350],{"type":235},{"text":271,"type":61},{"type":57,"content":353},[354],{"text":355,"type":61},"Ces vérifications valent souvent pour les clients dont la source de revenus peut être volatile. Une bonne connaissance du client, au-delà du simple aspect commercial, peut donc déjà rassurer.",{"type":188,"attrs":357,"content":358},{"level":211},[359],{"text":360,"type":61},"Ce que dit la loi sur les retards de paiement",{"type":57,"content":362},[363,365,369,371],{"text":364,"type":61},"Comme indiqué plus haut, le délai limite par principe fixé par les pouvoirs publics pour le paiement d’une facture d’une entreprise à une autre se situe à ",{"text":366,"type":61,"marks":367},"30 jours",[368],{"type":235},{"text":370,"type":61},". Passé ce délai, l’entreprise créancière est en droit ",{"text":372,"type":61,"marks":373},"d’engager des démarches légales afin d’être rémunérée et compensée pour le retard.",[374],{"type":235},{"type":57,"content":376},[377,379,383],{"text":378,"type":61},"Si la date de paiement est indiquée sur la facture, cette dernière ",{"text":380,"type":61,"marks":381},"prime naturellement, puisqu’elle correspond à un contrat commercial",[382],{"type":235},{"text":384,"type":61},", qui lie les deux parties dans leurs engagements respectifs.",{"type":57,"content":386},[387,389,393],{"text":388,"type":61},"Il est également essentiel de disposer de ",{"text":390,"type":61,"marks":391},"conditions générales de ventes (CGV)",[392],{"type":235},{"text":394,"type":61}," afin de se protéger de toute pratique commerciale douteuse et d’informer ses clients des modalités de réception des marchandises ou du service proposé.",{"type":188,"attrs":396,"content":397},{"level":211},[398],{"text":399,"type":61},"Comment calculer les pénalités de retard de paiement d'une facture ?",{"type":57,"content":401},[402],{"text":403,"type":61},"Les pénalités de retard de paiement font l’objet d’un calcul spécifique en fonction des CGV convenues lors du contrat de vente.",{"type":57,"content":405},[406],{"text":407,"type":61},"La méthode de calcul se présente comme suit :",{"type":409,"content":410},"bullet_list",[411],{"type":412,"content":413},"list_item",[414],{"type":57,"content":415},[416,418,422],{"text":417,"type":61},"Lex ",{"text":419,"type":61,"marks":420},"taux d’intérêt directeurs de la BCE de rigueur + 10%",[421],{"type":235},{"text":423,"type":61}," de majoration multiplié par le nombre de jours de retard",{"type":57,"content":425},[426,428,432],{"text":427,"type":61},"À noter que ",{"text":429,"type":61,"marks":430},"l’envoi d’une lettre recommandée n’est pas nécessaire pour ajouter des pénalités TTC à la somme due",[431],{"type":235},{"text":271,"type":61},{"type":188,"attrs":434,"content":435},{"level":211},[436],{"text":437,"type":61},"La gestion de factures au centre des missions d’achat",{"type":57,"content":439},[440],{"text":441,"type":61},"L’anticipation des éventuels retards de paiement peut constituer une solution préalable à la plupart des problèmes pouvant être à la source de certaines difficultés auprès de rares clients.",{"type":57,"content":443},[444,448],{"text":445,"type":61,"marks":446},"Avoir une bonne connaissance préalable des conditions de paiement et d’approvisionnement de ses prestataires",[447],{"type":235},{"text":449,"type":61}," peut en effet constituer une base de travail de grande qualité pour anticiper les difficultés potentielles.",{"type":57,"content":451},[452,454,458],{"text":453,"type":61},"De simples informations, librement accessibles, peuvent déjà ",{"text":455,"type":61,"marks":456},"donner une idée des capacités de paiement et de la rigueur d’un futur client",[457],{"type":235},{"text":459,"type":61},". 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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":2220},{"type":2220},{"text":2253,"type":61},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2255,"title":669,"component":660,"description":2256},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f",{"type":54,"content":2257},[2258,2262,2266,2275,2279,2283,2292,2296,2300,2304,2308],{"type":57,"content":2259},[2260],{"text":2261,"type":61},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":57,"content":2263},[2264],{"text":2265,"type":61},"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":57,"content":2267},[2268,2272,2273],{"text":2269,"type":61,"marks":2270},"Pour les employés",[2271],{"type":235},{"type":2220},{"text":2274,"type":61},"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":57,"content":2276},[2277],{"text":2278,"type":61},"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":57,"content":2280},[2281],{"text":2282,"type":61},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":57,"content":2284},[2285,2289,2290],{"text":2286,"type":61,"marks":2287},"Pour les équipes financières",[2288],{"type":235},{"type":2220},{"text":2291,"type":61},"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":57,"content":2293},[2294],{"text":2295,"type":61},"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":57,"content":2297},[2298],{"text":2299,"type":61},"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":57,"content":2301},[2302],{"text":2303,"type":61},"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":57,"content":2305},[2306],{"text":2307,"type":61},"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":57,"content":2309},[2310],{"text":2311,"type":61},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[2313],{"cta":2314,"_uid":2315,"title":2316,"eyebrow":2323,"subtitle":2326,"component":188,"textAlign":25,"sectionSettings":2332,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":54,"content":2317},[2318],{"type":188,"attrs":2319,"content":2320},{"level":190},[2321],{"text":2322,"type":61},"Démarrer avec Spendesk",{"type":54,"content":2324},[2325],{"type":57},{"type":54,"content":2327},[2328],{"type":57,"content":2329},[2330],{"text":2331,"type":61},"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 matières",[2336,2450,2633,2781],{"name":299,"created_at":2337,"published_at":2338,"updated_at":2339,"id":300,"uuid":297,"content":2340,"slug":296,"full_slug":302,"sort_by_date":63,"position":2441,"tag_list":2442,"is_startpage":31,"parent_id":734,"meta_data":63,"group_id":2443,"first_published_at":2444,"release_id":63,"lang":69,"path":63,"alternates":2445,"default_full_slug":301,"translated_slugs":2446},"2022-11-03T20:41:20.219Z","2026-11-03T12:11:13.851Z","2026-11-03T12:11:13.879Z",{"_uid":2341,"title":299,"topics":2342,"category":2351,"language":2360,"component":626,"heroMedia":2361,"publishedAt":2367,"readingTime":2368,"redirectUrl":25,"listingImage":2369,"metaDescription":2370,"componentsAfterTheArticle":2371},"6fadfb3a-4986-403c-a215-84c24f1f91b6",[2343],{"name":81,"created_at":82,"published_at":83,"updated_at":84,"id":85,"uuid":86,"content":2344,"slug":98,"full_slug":99,"sort_by_date":63,"position":100,"tag_list":2345,"is_startpage":31,"parent_id":102,"meta_data":63,"group_id":103,"first_published_at":104,"release_id":63,"lang":69,"path":63,"alternates":2346,"default_full_slug":106,"translated_slugs":2347,"_stopResolving":78},{"_uid":96,"name":81,"component":97},[],[],[2348,2349,2350],{"path":106,"name":63,"lang":69,"published":63},{"path":106,"name":63,"lang":75,"published":63},{"path":106,"name":63,"lang":77,"published":63},{"name":614,"created_at":615,"published_at":17,"updated_at":616,"id":617,"uuid":618,"content":2352,"slug":626,"full_slug":627,"sort_by_date":63,"position":628,"tag_list":2354,"is_startpage":31,"parent_id":630,"meta_data":63,"group_id":631,"first_published_at":632,"release_id":63,"lang":69,"path":63,"alternates":2355,"default_full_slug":634,"translated_slugs":2356,"_stopResolving":78},{"_uid":620,"icon":2353,"name":614,"component":625},{"id":622,"alt":623,"name":25,"focus":25,"title":25,"filename":624,"copyright":25,"fieldtype":30,"is_external_url":31},[],[],[2357,2358,2359],{"path":634,"name":63,"lang":69,"published":63},{"path":634,"name":63,"lang":75,"published":63},{"path":634,"name":63,"lang":77,"published":63},[69],[2362],{"_uid":2363,"asset":2364,"shadow":31,"caption":25,"overlay":2366,"component":647},"43753aa3-698e-4ee4-b71b-443910ebbf90",{"alt":25,"name":25,"focus":25,"title":25,"filename":2365,"copyright":25,"fieldtype":30,"is_external_url":31},"https://a.storyblok.com/f/146026/1190x670/faba65c063/compte-de-resultat.png",[],"2023-06-12 00:00","11",[],"Le compte de résultat revêt de multiples formes dans une entreprise. Voici un panorama complet avec les manières de l’analyser et de le piloter au mieux.",[2372],{"_uid":2373,"items":2374,"heading":2418,"reverse":31,"component":721,"sectionSettings":2435},"ce0189dc-6873-40ce-b9e9-95407a7b1932",[2375,2383,2391,2400,2409],{"_uid":2376,"title":659,"component":660,"description":2377},"07b01cee-a6c9-446a-b2fd-a06cb74a4873",{"type":54,"content":2378},[2379],{"type":57,"content":2380},[2381],{"text":2382,"type":61},"La gestion des dépenses est le processus centralisé de contrôle et de suivi des dépenses professionnelles. Spendesk centralise les paiements via cartes physiques et virtuelles, automatise les notes de frais et la collecte des justificatifs, impose des limites et flux d'approbation, et catégorise les dépenses pour faciliter la réconciliation comptable et le pilotage de trésorerie en temps réel.",{"_uid":2384,"title":669,"component":660,"description":2385},"9239e042-0d2b-4a22-b138-e814a5ba8695",{"type":54,"content":2386},[2387],{"type":57,"content":2388},[2389],{"text":2390,"type":61},"Spendesk est une plateforme de gestion des dépenses qui combine moyens de paiement, règles d'approbation et automatisation comptable. Spendesk émet des cartes physiques et virtuelles, assigne des budgets et limites par collaborateur, capture les justificatifs via l'application mobile et exporte les dépenses catégorisées vers les logiciels comptables pour accélérer la clôture et la réconciliation.",{"_uid":2392,"title":2393,"component":660,"description":2394},"75cf1044-c549-4b17-97d0-0db827b73249","Qu'est-ce qu'un compte de résultat et pourquoi est-il important ?",{"type":54,"content":2395},[2396],{"type":57,"content":2397},[2398],{"text":2399,"type":61},"Un compte de résultat détaille les produits et les charges d'une période pour mesurer le résultat net. Spendesk catégorise automatiquement les dépenses et applique les taux de TVA, puis exporte les écritures vers le service comptable, ce qui permet d'alimenter précisément le compte de résultat et d'identifier les postes de dépense à optimiser pour améliorer la marge.",{"_uid":2401,"title":2402,"component":660,"description":2403},"a213c836-ceb6-4075-a3b2-582923ef0c76","Comment analyser un compte de résultat pour piloter la performance ?",{"type":54,"content":2404},[2405],{"type":57,"content":2406},[2407],{"text":2408,"type":61},"Analyser un compte de résultat consiste à comparer postes de charges et produits, suivre les marges et détecter les variations structurelles. Spendesk fournit des tableaux de bord, des rapports segmentés et le suivi par centre de coût, ce qui facilite l'identification des dérives de dépenses et la prise de décisions basées sur des données catégorisées.",{"_uid":2410,"title":2411,"component":660,"description":2412},"22d08b11-9c84-45d5-b610-b5c7549dd9e1","Quels indicateurs financiers suivre sur le compte de résultat ?",{"type":54,"content":2413},[2414],{"type":57,"content":2415},[2416],{"text":2417,"type":61},"Les indicateurs clés à suivre sont la marge brute, la marge opérationnelle, le coût des ventes et la part des charges fixes versus variables. Spendesk permet d'affecter chaque dépense par catégorie et centre de coût et de générer des rapports prêts à l'export pour calculer ces indicateurs avec précision dans l'outil de reporting financier.",[2419],{"cta":2420,"_uid":2421,"title":2422,"eyebrow":2428,"subtitle":2431,"component":188,"textAlign":25,"sectionSettings":2434,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"a20a0510-7083-45a1-b1ac-a90af0dfca6a",{"type":54,"content":2423},[2424],{"type":188,"attrs":2425,"content":2426},{"level":190},[2427],{"text":713,"type":61},{"type":54,"content":2429},[2430],{"type":57},{"type":54,"content":2432},[2433],{"type":57},[],[2436],{"_uid":2437,"hide":31,"theme":725,"anchorId":25,"component":726,"spacingTop":25,"hideOnDevices":2438,"spacingBottom":25,"floatingImages":2439,"variableOverrides":2440},"3fe9b01e-2397-4745-8387-bc573146a285",[],[],[],1740,[],"424a9cf4-f606-4ae2-8ac8-14b968150465","2022-11-04T10:30:23.934Z",[],[2447,2448,2449],{"path":301,"name":63,"lang":69,"published":63},{"path":301,"name":63,"lang":75,"published":63},{"path":301,"name":63,"lang":77,"published":63},{"name":2451,"created_at":2452,"published_at":2453,"updated_at":2454,"id":2455,"uuid":2456,"content":2457,"slug":2621,"full_slug":2622,"sort_by_date":63,"position":2623,"tag_list":2624,"is_startpage":31,"parent_id":734,"meta_data":63,"group_id":2625,"first_published_at":2626,"release_id":63,"lang":69,"path":63,"alternates":2627,"default_full_slug":2628,"translated_slugs":2629},"Avance 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00:00","3",[],[],"Pourquoi, quand et comment mettre en place une avance de frais pour un salarié ? Toutes les réponses à vos questions dans cet article.",[],[2532],{"_uid":2533,"items":2534,"heading":2593,"reverse":31,"component":721,"sectionSettings":2615},"908f8030-ba01-47f2-9896-6eb1278e81b4",[2535,2544,2553,2562,2571,2582],{"_uid":2536,"title":2537,"component":660,"description":2538},"0b85576d-4a8e-4717-a13d-8ebcc56531cc","Qu'est-ce qu'une avance de frais et comment Spendesk la gère-t-il ?",{"type":54,"content":2539},[2540],{"type":57,"content":2541},[2542],{"text":2543,"type":61},"Une avance de frais est une somme versée à l'avance à un employé pour couvrir des dépenses professionnelles. Spendesk centralise les demandes d'avance, les workflows d'approbation et le suivi du remboursement via des cartes virtuelles ou physiques et des notes de frais, avec plafonds et règles configurables.",{"_uid":2545,"title":2546,"component":660,"description":2547},"fbddb73c-65fd-417d-974c-2340b1618173","Comment demander une avance de frais dans Spendesk ?",{"type":54,"content":2548},[2549],{"type":57,"content":2550},[2551],{"text":2552,"type":61},"Les employés peuvent demander une avance de frais depuis l'app ou la plateforme Spendesk ; la demande suit un workflow d'approbation configuré (manager, finance). Une fois approuvée, l'avance peut être versée ou attribuée via une carte temporaire, avec suivi du solde et du remboursement.",{"_uid":2554,"title":2555,"component":660,"description":2556},"082380ce-0780-48b7-b1f5-b564c2c03cc5","Spendesk peut-il lier les avances de frais aux notes de frais et au remboursement ?",{"type":54,"content":2557},[2558],{"type":57,"content":2559},[2560],{"text":2561,"type":61},"Spendesk relie les avances aux notes de frais et au remboursement : les dépenses déclarées sont rapprochées de l'avance, le solde restant dû ou le trop-perçu est calculé et les écritures sont exportables vers la comptabilité pour une traçabilité complète.",{"_uid":2563,"title":2564,"component":660,"description":2565},"c4d79430-c535-4ec9-ae4b-1826d8aa97bb","Quels contrôles et plafonds sont disponibles pour les avances de frais dans Spendesk ?",{"type":54,"content":2566},[2567],{"type":57,"content":2568},[2569],{"text":2570,"type":61},"Spendesk permet de définir des plafonds par employé ou par type d'avance, des workflows d'approbation multi-niveaux et des règles de remboursement. Les contrôles budgétaires et les rapports centralisent les avances en cours et les soldes pour la clôture et l'audit.",{"_uid":2572,"hide":31,"title":2573,"component":660,"description":2574},"5a5b3dd6-4ff7-454a-bf57-b0e953aecec6","L'avance sur frais est-elle soumise à cotisations sociales ?",{"type":54,"attrs":2575,"content":2576},{"backgroundColor":63},[2577],{"type":57,"attrs":2578,"content":2579},{"textAlign":63},[2580],{"text":2581,"type":61},"Non, lorsqu'elle est justifiée : remboursés au réel sur justificatifs ou sous forme d'allocation forfaitaire dans la limite des barèmes URSSAF, les frais professionnels sont exclus de l'assiette des cotisations et de la CSG-CRDS. En revanche, une allocation forfaitaire supérieure aux limites, sans preuve des dépenses, devient un complément de rémunération soumis à cotisations dès le premier euro.",{"_uid":2583,"hide":31,"title":2584,"component":660,"description":2585},"0d52a026-c567-412e-9d84-16d33c92d3fe","L'employeur peut-il refuser de rembourser une avance de frais ?",{"type":54,"attrs":2586,"content":2587},{"backgroundColor":63},[2588],{"type":57,"attrs":2589,"content":2590},{"textAlign":63},[2591],{"text":2592,"type":61},"L'employeur ne peut pas refuser de rembourser des frais professionnels réellement engagés dans l'intérêt de l'entreprise et dûment justifiés : ce remboursement est une obligation. L'avance elle-même n'est pas obligatoire, sauf usage de l'entreprise, convention collective ou accord d'entreprise.",[2594],{"cta":2595,"_uid":2596,"title":2597,"eyebrow":2604,"subtitle":2611,"component":188,"textAlign":25,"sectionSettings":2614,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"365834ec-0de8-439f-a174-3023df38fd1e",{"type":54,"content":2598},[2599],{"type":188,"attrs":2600,"content":2601},{"level":190},[2602],{"text":2603,"type":61},"Avance Frais Professionnels Salaries — FAQ",{"type":54,"attrs":2605,"content":2606},{"backgroundColor":63},[2607],{"type":57,"attrs":2608,"content":2609},{"textAlign":63},[2610],{"text":713,"type":61},{"type":54,"content":2612},[2613],{"type":57},[],[2616],{"_uid":2617,"hide":31,"theme":725,"anchorId":25,"component":726,"spacingTop":25,"hideOnDevices":2618,"spacingBottom":25,"floatingImages":2619,"variableOverrides":2620},"add073ad-a155-4764-9860-96c948843d0b",[],[],[],"avance-frais-professionnels-salaries","fr/blog/avance-frais-professionnels-salaries",9130,[],"cbc37b86-12d4-4e1d-bb33-6d5786106464","2022-11-04T11:11:58.480Z",[],"blog/avance-frais-professionnels-salaries",[2630,2631,2632],{"path":2628,"name":63,"lang":69,"published":63},{"path":2628,"name":63,"lang":75,"published":63},{"path":2628,"name":63,"lang":77,"published":63},{"name":2634,"created_at":2635,"published_at":2636,"updated_at":2637,"id":2638,"uuid":2639,"content":2640,"slug":2770,"full_slug":2771,"sort_by_date":63,"position":2772,"tag_list":2773,"is_startpage":31,"parent_id":734,"meta_data":63,"group_id":2774,"first_published_at":2636,"release_id":63,"lang":69,"path":63,"alternates":2775,"default_full_slug":2776,"translated_slugs":2777},"Logiciel de suivi budgétaire : comment choisir l’outil adapté à votre entreprise ?","2026-10-30T13:20:16.323Z","2026-10-30T13:34:14.178Z","2026-10-30T13:35:05.059Z",236244239691256,"2e5e0d2d-1f5a-4ea9-8dbf-0f783086e9d3",{"_uid":2641,"title":2634,"topics":2642,"noIndex":31,"category":2651,"language":2660,"readTime":25,"component":626,"heroMedia":2661,"publishedAt":2669,"redirectUrl":25,"leadwallForm":2670,"listingImage":2671,"leadwallTitle":25,"metaDescription":2672,"bottomArticleCta":2673,"leadwallSubtitle":25,"isLeadwallEnabled":31,"componentsAfterTheArticle":2674,"leadwallVisibleParagraphs":25},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[2643],{"name":81,"created_at":82,"published_at":83,"updated_at":84,"id":85,"uuid":86,"content":2644,"slug":98,"full_slug":99,"sort_by_date":63,"position":100,"tag_list":2645,"is_startpage":31,"parent_id":102,"meta_data":63,"group_id":103,"first_published_at":104,"release_id":63,"lang":69,"path":63,"alternates":2646,"default_full_slug":106,"translated_slugs":2647,"_stopResolving":78},{"_uid":96,"name":81,"component":97},[],[],[2648,2649,2650],{"path":106,"name":63,"lang":69,"published":63},{"path":106,"name":63,"lang":75,"published":63},{"path":106,"name":63,"lang":77,"published":63},{"name":614,"created_at":615,"published_at":17,"updated_at":616,"id":617,"uuid":618,"content":2652,"slug":626,"full_slug":627,"sort_by_date":63,"position":628,"tag_list":2654,"is_startpage":31,"parent_id":630,"meta_data":63,"group_id":631,"first_published_at":632,"release_id":63,"lang":69,"path":63,"alternates":2655,"default_full_slug":634,"translated_slugs":2656,"_stopResolving":78},{"_uid":620,"icon":2653,"name":614,"component":625},{"id":622,"alt":623,"name":25,"focus":25,"title":25,"filename":624,"copyright":25,"fieldtype":30,"is_external_url":31},[],[],[2657,2658,2659],{"path":634,"name":63,"lang":69,"published":63},{"path":634,"name":63,"lang":75,"published":63},{"path":634,"name":63,"lang":77,"published":63},[69],[2662],{"_uid":2663,"link":2664,"asset":2665,"caption":25,"component":647},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":25,"url":25,"linktype":179,"fieldtype":35,"cached_url":1810,"prep":78},{"id":2666,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":2667,"copyright":25,"fieldtype":30,"meta_data":2668,"is_external_url":31},236246895659711,"https://a.storyblok.com/f/146026/1248x832/5db30c8d96/budget-tool-compass.png",{},"2026-10-30 00:00",[],[],"Comparez les logiciels de suivi budgétaire : fonctionnalités, budget engagé, approbations, intégrations et critères pour choisir le bon outil.\n",[],[2675],{"cta":2676,"_uid":2677,"items":2678,"heading":2745,"reverse":31,"component":721,"sectionSettings":2769},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[2679,2690,2701,2712,2723,2734],{"_uid":2680,"hide":31,"title":2681,"component":660,"description":2682},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":54,"attrs":2683,"content":2684},{"backgroundColor":63},[2685],{"type":57,"attrs":2686,"content":2687},{"textAlign":63},[2688],{"text":2689,"type":61},"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":2691,"hide":31,"title":2692,"component":660,"description":2693},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":54,"attrs":2694,"content":2695},{"backgroundColor":63},[2696],{"type":57,"attrs":2697,"content":2698},{"textAlign":63},[2699],{"text":2700,"type":61},"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":2702,"hide":31,"title":2703,"component":660,"description":2704},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":54,"attrs":2705,"content":2706},{"backgroundColor":63},[2707],{"type":57,"attrs":2708,"content":2709},{"textAlign":63},[2710],{"text":2711,"type":61},"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":2713,"hide":31,"title":2714,"component":660,"description":2715},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":54,"attrs":2716,"content":2717},{"backgroundColor":63},[2718],{"type":57,"attrs":2719,"content":2720},{"textAlign":63},[2721],{"text":2722,"type":61},"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":2724,"hide":31,"title":2725,"component":660,"description":2726},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":54,"attrs":2727,"content":2728},{"backgroundColor":63},[2729],{"type":57,"attrs":2730,"content":2731},{"textAlign":63},[2732],{"text":2733,"type":61},"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":2735,"hide":31,"title":2736,"component":660,"description":2737},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":54,"attrs":2738,"content":2739},{"backgroundColor":63},[2740],{"type":57,"attrs":2741,"content":2742},{"textAlign":63},[2743],{"text":2744,"type":61},"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.",[2746],{"cta":2747,"_uid":2748,"title":2749,"layout":25,"eyebrow":2757,"subtitle":2764,"component":188,"textAlign":25,"eyebrowPill":31,"checkmarkList":31,"flexibleSection":2767,"sectionSettings":2768,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":54,"attrs":2750,"content":2751},{"backgroundColor":63},[2752],{"type":188,"attrs":2753,"content":2754},{"level":190,"textAlign":63},[2755],{"text":2756,"type":61},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":54,"attrs":2758,"content":2759},{"backgroundColor":63},[2760],{"type":57,"attrs":2761,"content":2762},{"textAlign":63},[2763],{"text":713,"type":61},{"type":54,"content":2765},[2766],{"type":57},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[2778,2779,2780],{"path":2776,"name":63,"lang":69,"published":63},{"path":2776,"name":63,"lang":75,"published":63},{"path":2776,"name":63,"lang":77,"published":63},{"name":2782,"created_at":2783,"published_at":2784,"updated_at":2785,"id":2786,"uuid":2787,"content":2788,"slug":2901,"full_slug":2902,"sort_by_date":63,"position":2903,"tag_list":2904,"is_startpage":31,"parent_id":734,"meta_data":63,"group_id":2905,"first_published_at":2906,"release_id":63,"lang":69,"path":63,"alternates":2907,"default_full_slug":2908,"translated_slugs":2909},"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":2789,"title":2782,"topics":2790,"noIndex":31,"category":2799,"language":2808,"component":626,"heroMedia":2809,"publishedAt":2817,"redirectUrl":25,"listingImage":2818,"metaDescription":2819,"bottomArticleCta":2820,"componentsAfterTheArticle":2821},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[2791],{"name":81,"created_at":82,"published_at":83,"updated_at":84,"id":85,"uuid":86,"content":2792,"slug":98,"full_slug":99,"sort_by_date":63,"position":100,"tag_list":2793,"is_startpage":31,"parent_id":102,"meta_data":63,"group_id":103,"first_published_at":104,"release_id":63,"lang":69,"path":63,"alternates":2794,"default_full_slug":106,"translated_slugs":2795,"_stopResolving":78},{"_uid":96,"name":81,"component":97},[],[],[2796,2797,2798],{"path":106,"name":63,"lang":69,"published":63},{"path":106,"name":63,"lang":75,"published":63},{"path":106,"name":63,"lang":77,"published":63},{"name":614,"created_at":615,"published_at":17,"updated_at":616,"id":617,"uuid":618,"content":2800,"slug":626,"full_slug":627,"sort_by_date":63,"position":628,"tag_list":2802,"is_startpage":31,"parent_id":630,"meta_data":63,"group_id":631,"first_published_at":632,"release_id":63,"lang":69,"path":63,"alternates":2803,"default_full_slug":634,"translated_slugs":2804,"_stopResolving":78},{"_uid":620,"icon":2801,"name":614,"component":625},{"id":622,"alt":623,"name":25,"focus":25,"title":25,"filename":624,"copyright":25,"fieldtype":30,"is_external_url":31},[],[],[2805,2806,2807],{"path":634,"name":63,"lang":69,"published":63},{"path":634,"name":63,"lang":75,"published":63},{"path":634,"name":63,"lang":77,"published":63},[69],[2810],{"_uid":2811,"link":2812,"asset":2813,"caption":25,"component":647},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":25,"url":25,"linktype":179,"fieldtype":35,"cached_url":1810,"prep":78},{"id":2814,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":2815,"copyright":25,"fieldtype":30,"meta_data":2816,"is_external_url":31},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.",[],[2822],{"cta":2823,"_uid":2824,"items":2825,"heading":2876,"reverse":31,"component":721,"sectionSettings":2900},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[2826,2843,2854,2865],{"_uid":2827,"hide":31,"title":2828,"component":660,"description":2829},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":54,"attrs":2830,"content":2831},{"backgroundColor":63},[2832],{"type":57,"attrs":2833,"content":2834},{"textAlign":63},[2835,2837,2841],{"text":2836,"type":61},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":2838,"type":61,"marks":2839},"projet reporté",[2840],{"type":235},{"text":2842,"type":61},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":2844,"hide":31,"title":2845,"component":660,"description":2846},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":54,"attrs":2847,"content":2848},{"backgroundColor":63},[2849],{"type":57,"attrs":2850,"content":2851},{"textAlign":63},[2852],{"text":2853,"type":61},"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":2855,"hide":31,"title":2856,"component":660,"description":2857},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":54,"attrs":2858,"content":2859},{"backgroundColor":63},[2860],{"type":57,"attrs":2861,"content":2862},{"textAlign":63},[2863],{"text":2864,"type":61},"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":2866,"hide":31,"title":2867,"component":660,"description":2868},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":54,"attrs":2869,"content":2870},{"backgroundColor":63},[2871],{"type":57,"attrs":2872,"content":2873},{"textAlign":63},[2874],{"text":2875,"type":61},"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.",[2877],{"cta":2878,"_uid":2879,"title":2880,"eyebrow":2888,"subtitle":2895,"component":188,"textAlign":25,"eyebrowPill":31,"checkmarkList":31,"flexibleSection":2898,"sectionSettings":2899,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":54,"attrs":2881,"content":2882},{"backgroundColor":63},[2883],{"type":188,"attrs":2884,"content":2885},{"level":190,"textAlign":63},[2886],{"text":2887,"type":61},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":54,"attrs":2889,"content":2890},{"backgroundColor":63},[2891],{"type":57,"attrs":2892,"content":2893},{"textAlign":63},[2894],{"text":713,"type":61},{"type":54,"content":2896},[2897],{"type":57},[],[],[],"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",[2910,2911,2912],{"path":2908,"name":63,"lang":69,"published":63},{"path":2908,"name":63,"lang":75,"published":63},{"path":2908,"name":63,"lang":77,"published":63},1793991593586]