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","Becky Dutta, VP Customer, Spendesk",{"type":57,"attrs":632,"content":633},{"textAlign":63,"key":201},[634],{"text":635,"type":61,"marks":636},"Spendesk Travel arrive en 2026, sans frais supplémentaires pour les clients existants.",[637],{"type":124},{"type":173,"attrs":639},{"id":175,"body":640},[641],{"_uid":642,"caption":25,"autoplay":31,"component":643,"thumbnail":644,"playerType":645,"onPlayEvent":25,"externalVideo":25,"internalVideo":646,"playButtonText":25},"i-ea70eda1-1a02-48a9-8298-23fe79be3bd7","video",[],"inline",{"id":647,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":648,"copyright":25,"fieldtype":30,"meta_data":649,"is_external_url":31},109137488895514,"https://a.storyblok.com/f/146026/x/df83140678/spendesk-travel-announcement-video-fr.mp4",{},{"type":57,"attrs":651,"content":652},{"textAlign":63,"key":213},[653],{"text":654,"type":61},"Cet ajout de taille à la plateforme Spendesk rassemble la réservation, le paiement et la réconciliation dans une expérience fluide :",{"type":194,"content":656},[657,668,679],{"type":197,"content":658},[659],{"type":57,"attrs":660,"content":661},{"textAlign":63,"key":225},[662,666],{"text":663,"type":61,"marks":664},"Zéro changement d'outil",[665],{"type":124},{"text":667,"type":61}," : Réservez, payez et réconciliez dans Spendesk avec les reçus et la TVA automatiquement liés.",{"type":197,"content":669},[670],{"type":57,"attrs":671,"content":672},{"textAlign":63,"key":241},[673,677],{"text":674,"type":61,"marks":675},"75 % de réservations et d'approbations plus rapides",[676],{"type":124},{"text":678,"type":61}," : Un flux contextuel unique remplace plusieurs systèmes déconnectés.",{"type":197,"content":680},[681],{"type":57,"attrs":682,"content":683},{"textAlign":63,"key":247},[684,688],{"text":685,"type":61,"marks":686},"Visibilité en temps réel et économies",[687],{"type":124},{"text":689,"type":61}," : Visualisez les dépenses de voyage au fur et à mesure, avec un support multilingue 24h/24 et 7j/7.",{"type":57,"attrs":691,"content":692},{"textAlign":63,"key":257},[693],{"text":694,"type":61},"Spendesk Travel représente l'évolution naturelle de notre plateforme — apportant le même contrôle, la même visibilité et la même automatisation dont vous bénéficiez pour les cartes, les notes de frais et les factures aux voyages d'affaires.",{"type":57,"attrs":696,"content":697},{"textAlign":63,"key":269},[698],{"text":699,"type":61},"Rejoignez la liste d'attente pour être parmi les premiers à accéder à cette fonctionnalité révolutionnaire lors de son lancement.",{"type":160,"attrs":701,"content":702},{"level":162,"textAlign":63},[703],{"text":704,"type":61},"5. Facturation électronique : se préparer aux mandats européens",{"type":57,"attrs":706,"content":707},{"textAlign":63,"key":281},[708],{"text":709,"type":61},"Gabrielle Poirette, Product Manager pour l'automatisation des factures, a fourni un aperçu complet des réglementations de facturation électronique déployées en Europe. Avec des mandats entrant en vigueur en France, en Belgique, en Allemagne et au-delà, la préparation est essentielle.",{"type":160,"attrs":711,"content":712},{"level":235,"textAlign":63},[713],{"text":714,"type":61},"Pourquoi la facturation électronique est importante",{"type":57,"attrs":716,"content":717},{"textAlign":63,"key":291},[718],{"text":719,"type":61},"Trois facteurs clés poussent l'adoption de la facturation électronique en Europe :",{"type":721,"attrs":722,"content":725},"ordered_list",{"order":723,"key":724},1,"ol-0",[726,737,748],{"type":197,"content":727},[728],{"type":57,"attrs":729,"content":730},{"textAlign":63,"key":301},[731,735],{"text":732,"type":61,"marks":733},"Améliorer la collecte de la TVA et lutter contre la fraude",[734],{"type":124},{"text":736,"type":61}," : Formats structurés et synchronisation en temps réel avec les autorités 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Table ronde : L'IA en action avec Pierre Frey",{"type":57,"attrs":885,"content":886},{"textAlign":63,"key":482},[887],{"text":888,"type":61},"L'événement s'est conclu par une conversation inspirante entre Pauline Babel, CFO de Spendesk, et Benjamin Milot, CFO de Pierre Frey — une prestigieuse maison française de textiles et meubles de luxe.",{"type":57,"attrs":890,"content":891},{"textAlign":63,"key":494},[892],{"text":893,"type":61},"La discussion a exploré comment l'IA transforme la gestion des dépenses sur l'ensemble du workflow financier, avec des enseignements francs de leaders en première ligne.",{"type":57,"attrs":895,"content":896},{"textAlign":63,"key":511},[897],{"text":898,"type":61},"Les sujets abordés incluaient :",{"type":194,"content":900},[901,908,915,923],{"type":197,"content":902},[903],{"type":57,"attrs":904,"content":905},{"textAlign":63,"key":526},[906],{"text":907,"type":61},"Ce qui fonctionne dans l'adoption de l'IA et ce qui ne fonctionne pas.",{"type":197,"content":909},[910],{"type":57,"attrs":911,"content":912},{"textAlign":63,"key":532},[913],{"text":914,"type":61},"Comment transformer les capacités de l'IA en résultats mesurables.",{"type":197,"content":916},[917],{"type":57,"attrs":918,"content":920},{"textAlign":63,"key":919},"p-34",[921],{"text":922,"type":61},"Équilibrer l'automatisation avec la supervision humaine.",{"type":197,"content":924},[925],{"type":57,"attrs":926,"content":928},{"textAlign":63,"key":927},"p-35",[929],{"text":930,"type":61},"Préparer les équipes financières à un avenir alimenté par l'IA.",{"type":57,"attrs":932,"content":934},{"textAlign":63,"key":933},"p-36",[935],{"text":936,"type":61},"La conversation a fourni des insights pratiques que les participants pouvaient appliquer immédiatement dans leurs propres organisations.",{"type":160,"attrs":938,"content":939},{"level":162,"textAlign":63},[940],{"text":941,"type":61},"7. 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",{"text":997,"type":61,"marks":998},"En savoir plus lors de ",[999],{"type":124},{"text":1001,"type":61,"marks":1002},"notre événement de lancement le 18 novembre",[1003,1006],{"type":151,"attrs":1004},{"href":1005,"uuid":63,"anchor":63,"target":63,"linktype":34},"https://www.spendesk.com/events/cfo-connect-pro-launch/?__hstc=76629258.8707691a41b241b89073dcb4ee17f370.1763047293299.1763047293299.1763047293299.1&__hssc=76629258.1.1763047293299&__hsfp=1754797414",{"type":124},{"text":126,"type":61,"marks":1008},[1009],{"type":124},{"type":160,"attrs":1011,"content":1012},{"level":162,"textAlign":63},[1013],{"text":1014,"type":61},"Et maintenant ?",{"type":57,"attrs":1016,"content":1018},{"textAlign":63,"key":1017},"p-42",[1019,1025],{"text":1020,"type":61,"marks":1021},"Spendesk Connect 2025",[1022],{"type":151,"attrs":1023},{"href":1024,"uuid":63,"anchor":63,"target":63,"linktype":34},"https://spendesk-staging.netlify.app/events/spendesk-connect-2025/",{"text":1026,"type":61}," a marqué une période transformative pour la gestion des dépenses. De notre vision ambitieuse de l'IA aux nouvelles fonctionnalités pratiques, de Spendesk Travel à la préparation à la facturation électronique, nous construisons la plateforme dont les équipes financières ont besoin pour avancer plus vite avec une gouvernance renforcée.",{"type":57,"attrs":1028,"content":1030},{"textAlign":63,"key":1029},"p-43",[1031],{"text":1032,"type":61},"Ces innovations sont conçues pour donner aux équipes financières plus de contrôle, d'efficacité et d'impact stratégique. L'avenir de la gestion des dépenses est là, et il est plus intelligent, automatisé et connecté que jamais.",{"type":57,"attrs":1034,"content":1036},{"textAlign":63,"key":1035},"p-44",[1037],{"text":1038,"type":61},"Que vous soyez prêt à exploiter les insights alimentés par l'IA, à vous préparer aux mandats de facturation électronique ou à rejoindre la liste d'attente de Spendesk Travel, il n'y a jamais eu de meilleur moment pour découvrir ce qui est possible.",{"type":57,"attrs":1040,"content":1042},{"textAlign":63,"key":1041},"p-45",[1043,1050],{"text":1044,"type":61,"marks":1045},"Demandez une démo dès aujourd'hui",[1046,1049],{"type":151,"attrs":1047},{"href":1048,"uuid":63,"anchor":63,"target":63,"linktype":34},"https://www.spendesk.com/schedule-a-demo/?__hstc=76629258.8707691a41b241b89073dcb4ee17f370.1763047293299.1763047293299.1763047293299.1&__hssc=76629258.1.1763047293299&__hsfp=1754797414",{"type":124},{"text":1051,"type":61,"marks":1052}," et découvrez comment Spendesk peut aider votre équipe à passer moins de temps à regarder en arrière et plus de temps à stimuler la croissance.",[1053],{"type":124},{"name":1055,"created_at":1056,"published_at":17,"updated_at":1057,"id":1058,"uuid":1059,"content":1060,"slug":1067,"full_slug":1068,"sort_by_date":63,"position":101,"tag_list":1069,"is_startpage":31,"parent_id":1070,"meta_data":63,"group_id":1071,"first_published_at":1072,"release_id":63,"lang":69,"path":63,"alternates":1073,"default_full_slug":1074,"translated_slugs":1075,"_stopResolving":78},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1061,"icon":1062,"name":1055,"component":1066},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1063,"alt":1064,"name":25,"focus":25,"title":25,"filename":1065,"copyright":25,"fieldtype":30,"is_external_url":31},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1076,1077,1078],{"path":1074,"name":63,"lang":69,"published":63},{"path":1074,"name":63,"lang":75,"published":63},{"path":1074,"name":63,"lang":77,"published":63},[69],[1081],{"_uid":1082,"type":25,"asset":1083,"caption":25,"overlay":1087,"component":1088},"b071191d-b2df-4ad1-9915-51d002a84705",{"id":1084,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1085,"copyright":25,"fieldtype":30,"meta_data":1086,"is_external_url":31},109591579891598,"https://a.storyblok.com/f/146026/1536x1024/e6b1a1c9dd/spendesk-connect-blog.png",{},[],"image",[],"2025-11-12 00:00","4",[1093],{"_uid":1094,"type":25,"asset":1095,"caption":25,"overlay":1097,"component":1088},"408956e2-0e86-44fa-b3ca-51e8bd421701",{"id":1084,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1085,"copyright":25,"fieldtype":30,"meta_data":1096,"is_external_url":31},{},[],"Retour sur Spendesk Connect 2025 : notre vision de l'IA, les nouveautés produit et le lancement de Spendesk Travel. Découvrez les temps forts de l'événement.",[1100],{"_uid":1101,"items":1102,"heading":1149,"reverse":31,"component":1167,"sectionSettings":1168},"fd5f677c-2218-4249-8c65-4122c05a5a77",[1103,1113,1122,1131,1140],{"_uid":1104,"title":1105,"component":1106,"description":1107},"d2adb19f-4786-4784-952e-7b5f65d09c30","Qu'est-ce que la gestion des dépenses ?","faqItem",{"type":54,"content":1108},[1109],{"type":57,"content":1110},[1111],{"text":1112,"type":61},"Spendesk définit la gestion des dépenses comme le processus centralisé de contrôle, suivi et réconciliation des achats professionnels. Spendesk centralise les moyens de paiement (cartes physiques et virtuelles), gère les approbations en temps réel, suit les justificatifs et applique la gestion des taux de TVA avec réconciliation automatique et export comptable en un clic pour une tenue financière fiable.",{"_uid":1114,"title":1115,"component":1106,"description":1116},"eeab5aa5-94cd-4a6e-845d-af7a5c171ff7","Comment fonctionne Spendesk ?",{"type":54,"content":1117},[1118],{"type":57,"content":1119},[1120],{"text":1121,"type":61},"Spendesk fonctionne comme une plateforme de gestion des dépenses qui combine moyens de paiement et automatisation. Les employés demandent des fonds ou utilisent des cartes physiques et virtuelles, joignent des reçus via l'application mobile, et déclenchent des approbations. 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Spendesk exporte les écritures vers les logiciels comptables, conserve un audit trail des approbations et envoie des rappels pour justificatifs manquants, ce qui réduit les erreurs et accélère les clôtures.",[3074],{"cta":3075,"_uid":3076,"title":3077,"eyebrow":3083,"subtitle":3086,"component":160,"textAlign":25,"sectionSettings":3089,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"b06501ea-53ad-4af3-9294-407de93da2b6",{"type":54,"content":3078},[3079],{"type":160,"attrs":3080,"content":3081},{"level":162},[3082],{"text":1159,"type":61},{"type":54,"content":3084},[3085],{"type":57},{"type":54,"content":3087},[3088],{"type":57},[],[3091],{"_uid":3092,"hide":31,"theme":1171,"anchorId":25,"component":1172,"spacingTop":25,"hideOnDevices":3093,"spacingBottom":25,"floatingImages":3094,"variableOverrides":3095},"3b2a5706-5998-4644-99df-65eb308e9d4a",[],[],[],"les-actus-produit-spendesk-avril-2022","fr/blog/les-actus-produit-spendesk-avril-2022",2860,[],"d029c822-8a17-42db-b56f-d8114649acfe",[],"blog/les-actus-produit-spendesk-avril-2022",[3104,3105,3106],{"path":3102,"name":63,"lang":69,"published":63},{"path":3102,"name":63,"lang":75,"published":63},{"path":3102,"name":63,"lang":77,"published":63},{"name":3108,"created_at":3109,"published_at":3110,"updated_at":3111,"id":3112,"uuid":3113,"content":3114,"slug":3244,"full_slug":3245,"sort_by_date":63,"position":3246,"tag_list":3247,"is_startpage":31,"parent_id":1180,"meta_data":63,"group_id":3248,"first_published_at":3110,"release_id":63,"lang":69,"path":63,"alternates":3249,"default_full_slug":3250,"translated_slugs":3251},"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":3115,"title":3108,"topics":3116,"noIndex":31,"category":3125,"language":3134,"readTime":25,"component":1067,"heroMedia":3135,"publishedAt":3143,"redirectUrl":25,"leadwallForm":3144,"listingImage":3145,"leadwallTitle":25,"metaDescription":3146,"bottomArticleCta":3147,"leadwallSubtitle":25,"isLeadwallEnabled":31,"componentsAfterTheArticle":3148,"leadwallVisibleParagraphs":25},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[3117],{"name":2791,"created_at":2792,"published_at":2793,"updated_at":2794,"id":2795,"uuid":2796,"content":3118,"slug":2799,"full_slug":2800,"sort_by_date":63,"position":2801,"tag_list":3119,"is_startpage":31,"parent_id":103,"meta_data":63,"group_id":2803,"first_published_at":2804,"release_id":63,"lang":69,"path":63,"alternates":3120,"default_full_slug":2806,"translated_slugs":3121,"_stopResolving":78},{"_uid":2798,"name":2791,"component":98},[],[],[3122,3123,3124],{"path":2806,"name":63,"lang":69,"published":63},{"path":2806,"name":63,"lang":75,"published":63},{"path":2806,"name":63,"lang":77,"published":63},{"name":1055,"created_at":1056,"published_at":17,"updated_at":1057,"id":1058,"uuid":1059,"content":3126,"slug":1067,"full_slug":1068,"sort_by_date":63,"position":101,"tag_list":3128,"is_startpage":31,"parent_id":1070,"meta_data":63,"group_id":1071,"first_published_at":1072,"release_id":63,"lang":69,"path":63,"alternates":3129,"default_full_slug":1074,"translated_slugs":3130,"_stopResolving":78},{"_uid":1061,"icon":3127,"name":1055,"component":1066},{"id":1063,"alt":1064,"name":25,"focus":25,"title":25,"filename":1065,"copyright":25,"fieldtype":30,"is_external_url":31},[],[],[3131,3132,3133],{"path":1074,"name":63,"lang":69,"published":63},{"path":1074,"name":63,"lang":75,"published":63},{"path":1074,"name":63,"lang":77,"published":63},[69],[3136],{"_uid":3137,"link":3138,"asset":3139,"caption":25,"component":1088},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":25,"url":25,"linktype":1220,"fieldtype":35,"cached_url":2257,"prep":78},{"id":3140,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":3141,"copyright":25,"fieldtype":30,"meta_data":3142,"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",[],[3149],{"cta":3150,"_uid":3151,"items":3152,"heading":3219,"reverse":31,"component":1167,"sectionSettings":3243},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[3153,3164,3175,3186,3197,3208],{"_uid":3154,"hide":31,"title":3155,"component":1106,"description":3156},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":54,"attrs":3157,"content":3158},{"backgroundColor":63},[3159],{"type":57,"attrs":3160,"content":3161},{"textAlign":63},[3162],{"text":3163,"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":3165,"hide":31,"title":3166,"component":1106,"description":3167},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":54,"attrs":3168,"content":3169},{"backgroundColor":63},[3170],{"type":57,"attrs":3171,"content":3172},{"textAlign":63},[3173],{"text":3174,"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":3176,"hide":31,"title":3177,"component":1106,"description":3178},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":54,"attrs":3179,"content":3180},{"backgroundColor":63},[3181],{"type":57,"attrs":3182,"content":3183},{"textAlign":63},[3184],{"text":3185,"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":3187,"hide":31,"title":3188,"component":1106,"description":3189},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":54,"attrs":3190,"content":3191},{"backgroundColor":63},[3192],{"type":57,"attrs":3193,"content":3194},{"textAlign":63},[3195],{"text":3196,"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. 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Contrôlez aussi les données synchronisées, la fréquence des mises à jour, les dimensions analytiques et les possibilités d’export ou d’API.",{"_uid":3209,"hide":31,"title":3210,"component":1106,"description":3211},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":54,"attrs":3212,"content":3213},{"backgroundColor":63},[3214],{"type":57,"attrs":3215,"content":3216},{"textAlign":63},[3217],{"text":3218,"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.",[3220],{"cta":3221,"_uid":3222,"title":3223,"layout":25,"eyebrow":3231,"subtitle":3238,"component":160,"textAlign":25,"eyebrowPill":31,"checkmarkList":31,"flexibleSection":3241,"sectionSettings":3242,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":54,"attrs":3224,"content":3225},{"backgroundColor":63},[3226],{"type":160,"attrs":3227,"content":3228},{"level":162,"textAlign":63},[3229],{"text":3230,"type":61},"Questions fréquentes sur les logiciels de suivi 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00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[3310],{"cta":3311,"_uid":3312,"items":3313,"heading":3475,"reverse":31,"component":1167,"sectionSettings":3499},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[3314,3334,3361,3383,3398],{"_uid":3315,"hide":31,"title":3316,"component":1106,"description":3317},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":54,"attrs":3318,"content":3319},{"backgroundColor":63},[3320,3329],{"type":57,"attrs":3321,"content":3322},{"textAlign":63},[3323,3327],{"text":3324,"type":61,"marks":3325},"Dans le régime général, non.",[3326],{"type":124},{"text":3328,"type":61}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":57,"attrs":3330,"content":3331},{"textAlign":63},[3332],{"text":3333,"type":61},"Certaines exceptions existent néanmoins. Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":3335,"hide":31,"title":3336,"component":1106,"description":3337},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":54,"attrs":3338,"content":3339},{"backgroundColor":63},[3340,3351],{"type":57,"attrs":3341,"content":3342},{"textAlign":63},[3343,3345,3349],{"text":3344,"type":61},"Une facture périodique doit être réglée au plus tard ",{"text":3346,"type":61,"marks":3347},"45 jours après sa date d’émission",[3348],{"type":124},{"text":3350,"type":61},", sans report en fin de mois.",{"type":57,"attrs":3352,"content":3353},{"textAlign":63},[3354,3356,3360],{"text":3355,"type":61},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":3357,"type":61,"marks":3358},"15 décembre 2026",[3359],{"type":124},{"text":126,"type":61},{"_uid":3362,"hide":31,"title":3363,"component":1106,"description":3364},"759c2579-2400-475f-944b-1410b215bd65","Quel est le délai moyen de paiement des fournisseurs en France ?",{"type":54,"attrs":3365,"content":3366},{"backgroundColor":63},[3367,3378],{"type":57,"attrs":3368,"content":3369},{"textAlign":63},[3370,3372,3376],{"text":3371,"type":61},"Selon le rapport 2025 de l’Observatoire des délais de paiement, le délai moyen fournisseurs atteignait ",{"text":3373,"type":61,"marks":3374},"50 jours en 2024",[3375],{"type":124},{"text":3377,"type":61},", hors microentreprises.",{"type":57,"attrs":3379,"content":3380},{"textAlign":63},[3381],{"text":3382,"type":61},"Le rapport indique également que 72 % de ces entreprises payaient en moyenne sous 60 jours, contre 48 % des grandes entreprises.",{"_uid":3384,"hide":31,"title":3385,"component":1106,"description":3386},"240893ee-f143-4db8-8497-f1c5003af098","La facturation électronique change-t-elle les délais de paiement ?",{"type":54,"attrs":3387,"content":3388},{"backgroundColor":63},[3389],{"type":57,"attrs":3390,"content":3391},{"textAlign":63},[3392,3396],{"text":3393,"type":61,"marks":3394},"Elle change le circuit de traitement, mais pas les délais légaux.",[3395],{"type":124},{"text":3397,"type":61}," L’Observatoire des délais de paiement ne prévoit pas de baisse automatique des retards, car ceux-ci dépendent aussi des processus internes d’approbation et de paiement.",{"_uid":3399,"hide":31,"title":3400,"component":1106,"description":3401},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":54,"attrs":3402,"content":3403},{"backgroundColor":63},[3404,3414,3424,3429,3436,3441,3464],{"type":57,"attrs":3405,"content":3406},{"textAlign":63},[3407,3409,3413],{"text":3408,"type":61},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit ",{"text":3410,"type":61,"marks":3411},"12,40 % au second semestre 2026",[3412],{"type":124},{"text":126,"type":61},{"type":57,"attrs":3415,"content":3416},{"textAlign":63},[3417,3419,3423],{"text":3418,"type":61},"À cela s’ajoute l’indemnité forfaitaire de ",{"text":3420,"type":61,"marks":3421},"40 € par facture",[3422],{"type":124},{"text":126,"type":61},{"type":57,"attrs":3425,"content":3426},{"textAlign":63},[3427],{"text":3428,"type":61},"Pour une facture de 5 000 € TTC réglée avec 45 jours de retard :",{"type":57,"attrs":3430,"content":3431},{"textAlign":63},[3432],{"text":3433,"type":61,"marks":3434},"5 000 × 12,40 % × 45 / 365 = 76,44 €",[3435],{"type":124},{"type":57,"attrs":3437,"content":3438},{"textAlign":63},[3439],{"text":3440,"type":61},"Il faut donc ajouter :",{"type":194,"content":3442},[3443,3454],{"type":197,"content":3444},[3445],{"type":57,"attrs":3446,"content":3447},{"textAlign":63},[3448,3452],{"text":3449,"type":61,"marks":3450},"76,44 € de pénalités de 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