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Si le taux de change évolue de manière défavorable, une vente rentable peut devenir une perte majeure entre la date de facturation et celle de l'encaissement. Pour toute entreprise qui achète ou vend dans plusieurs devises, ce risque pèse directement sur les marges, la trésorerie et la capacité à fixer des prix stables. Cet article détaille les mécanismes de la volatilité des taux de change, présente les instruments de couverture accessibles aux PME et ETI françaises, et propose une feuille de route pour bâtir une politique de change opérationnelle.",[183],{"type":184,"attrs":185},"textStyle",{"color":186},"#000000",{"type":188,"attrs":189,"content":191},"heading",{"level":190,"textAlign":25},2,[192],{"text":193,"type":103,"marks":194},"Pourquoi la volatilité des changes est redevenue un sujet prioritaire en France",[195],{"type":184,"attrs":196},{"color":186},{"type":198,"attrs":199},"blok",{"id":200,"body":201},"9ae77ec1-3c9f-40f8-ae57-d09608402ee8",[202],{"_uid":203,"type":73,"asset":204,"caption":73,"overlay":208,"component":209},"i-6bf8cbe8-d162-4a2a-a348-ff8da8cf5520",{"id":205,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":206,"copyright":73,"fieldtype":78,"meta_data":207,"is_external_url":28},168565554465235,"https://a.storyblok.com/f/146026/8192x5464/ab80aa3023/a-team-of-employees-meeting.jpeg",{},[],"image",{"type":97,"attrs":211,"content":213},{"textAlign":25,"key":212},"p-1",[214],{"text":215,"type":103,"marks":216},"Le cadre réglementaire français impose aux entreprises une rigueur particulière dans le traitement des opérations en devises. Le Plan Comptable Général (Règlement ANC n° 2014-03, articles 420-5 à 420-8) exige la conversion des créances et dettes en devises au dernier cours de clôture. Il impose aussi la comptabilisation des écarts de conversion dans les comptes transitoires 476 et 477.",[217],{"type":184,"attrs":218},{"color":186},{"type":97,"attrs":220,"content":222},{"textAlign":25,"key":221},"p-2",[223,228,241],{"text":224,"type":103,"marks":225},"Du côté fiscal, l'article 38-4 du Code général des impôts (doctrine ",[226],{"type":184,"attrs":227},{"color":186},{"text":229,"type":103,"marks":230},"BOI-BIC-CHG-50-70",[231,236,239],{"type":232,"attrs":233},"link",{"href":234,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://bofip.impots.gouv.fr/bofip/1413-PGP.html/identifiant%3DBOI-BIC-CHG-50-70-20120912","_blank",{"type":184,"attrs":237},{"color":238},"#1155CC",{"type":240},"underline",{"text":242,"type":103,"marks":243},") autorise la déduction des pertes de change si elles relèvent de la gestion normale de votre entreprise. Les gains de change, eux, restent imposables au moment de leur réalisation.",[244],{"type":184,"attrs":245},{"color":186},{"type":97,"attrs":247,"content":249},{"textAlign":25,"key":248},"p-3",[250,255,264],{"text":251,"type":103,"marks":252},"Ces règles prennent tout leur sens dans le contexte actuel. Le 21 avril 2025, l'EUR/USD a atteint plus de 1,15 dollar pour 1 euro, son plus haut niveau depuis février 2022, selon le ",[253],{"type":184,"attrs":254},{"color":186},{"text":256,"type":103,"marks":257},"Rapport sur la stabilité financière de la Banque de France (juin 2025)",[258,261,263],{"type":232,"attrs":259},{"href":260,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.banque-france.fr/system/files/2025-06/RSF_juin_2025.pdf",{"type":184,"attrs":262},{"color":238},{"type":240},{"text":265,"type":103,"marks":266},". Cette appréciation brutale a pris à contre-pied les entreprises qui anticipaient encore un retour à la parité début 2025.",[267],{"type":184,"attrs":268},{"color":186},{"type":188,"attrs":270,"content":271},{"level":190,"textAlign":25},[272],{"text":273,"type":103,"marks":274},"Qu'est-ce que la volatilité des taux de change ?",[275],{"type":184,"attrs":276},{"color":186},{"type":97,"attrs":278,"content":280},{"textAlign":25,"key":279},"p-4",[281],{"text":282,"type":103,"marks":283},"La volatilité des taux de change désigne l'amplitude et la fréquence des fluctuations du cours d'une devise par rapport à une autre sur une période donnée. Pour vous, en tant que responsable financier, elle se traduit par un écart entre le cours anticipé lors de la fixation de vos prix et le cours réellement constaté au moment du règlement.",[284],{"type":184,"attrs":285},{"color":186},{"type":97,"attrs":287,"content":289},{"textAlign":25,"key":288},"p-5",[290,295,304],{"text":291,"type":103,"marks":292},"Comme le souligne la Banque de France, « les cours de change connaissent souvent des évolutions volatiles et peu prévisibles » et « le risque de change peut complètement modifier la performance, en absorbant ou amplifiant les gains attendus » (",[293],{"type":184,"attrs":294},{"color":186},{"text":296,"type":103,"marks":297},"site de la Banque de France",[298,301,303],{"type":232,"attrs":299},{"href":300,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/le-carry-trade-au-risque-de-la-volatilite",{"type":184,"attrs":302},{"color":238},{"type":240},{"text":305,"type":103,"marks":306},").",[307],{"type":184,"attrs":308},{"color":186},{"type":97,"attrs":310,"content":312},{"textAlign":25,"key":311},"p-6",[313],{"text":314,"type":103,"marks":315},"Ce risque se décline en trois dimensions opérationnelles qu'il vous faut distinguer pour calibrer votre stratégie.",[316],{"type":184,"attrs":317},{"color":186},{"type":319,"content":320},"bullet_list",[321,340,357],{"type":322,"content":323},"list_item",[324],{"type":97,"attrs":325,"content":327},{"textAlign":25,"key":326},"p-7",[328,335],{"text":329,"type":103,"marks":330},"Le risque de transaction",[331,333],{"type":184,"attrs":332},{"color":186},{"type":334},"bold",{"text":336,"type":103,"marks":337}," touche vos flux d'encaissements et de décaissements en devises : une facture client en dollars à encaisser dans 90 jours, un fournisseur à régler en dollars.",[338],{"type":184,"attrs":339},{"color":186},{"type":322,"content":341},[342],{"type":97,"attrs":343,"content":345},{"textAlign":25,"key":344},"p-8",[346,352],{"text":347,"type":103,"marks":348},"Le risque de consolidation",[349,351],{"type":184,"attrs":350},{"color":186},{"type":334},{"text":353,"type":103,"marks":354}," concerne les états financiers consolidés lorsque vous convertissez les bilans de vos filiales étrangères.",[355],{"type":184,"attrs":356},{"color":186},{"type":322,"content":358},[359],{"type":97,"attrs":360,"content":362},{"textAlign":25,"key":361},"p-9",[363,369],{"text":364,"type":103,"marks":365},"Le risque économique",[366,368],{"type":184,"attrs":367},{"color":186},{"type":334},{"text":370,"type":103,"marks":371},", plus diffus, affecte votre compétitivité-prix à moyen terme — par exemple lorsqu'un concurrent en Asie bénéficie d'un yuan affaibli.",[372],{"type":184,"attrs":373},{"color":186},{"type":188,"attrs":375,"content":376},{"level":190,"textAlign":25},[377],{"text":378,"type":103,"marks":379},"Quel est l'impact concret sur les marges et la trésorerie ?",[380],{"type":184,"attrs":381},{"color":186},{"type":97,"attrs":383,"content":385},{"textAlign":25,"key":384},"p-10",[386],{"text":387,"type":103,"marks":388},"Vous connaissez la difficulté de boucler un bilan prévisionnel quand le cours d'une devise évolue de plusieurs points en quelques semaines. L'ampleur des mouvements récents illustre l’ampleur du problème.",[389],{"type":184,"attrs":390},{"color":186},{"type":97,"attrs":392,"content":394},{"textAlign":25,"key":393},"p-11",[395,400,409,414,423],{"text":396,"type":103,"marks":397},"Entre les projections de mars et juin 2025, l'euro s'est apprécié de 8,3 % face au dollar, selon les ",[398],{"type":184,"attrs":399},{"color":186},{"text":401,"type":103,"marks":402},"projections de la Banque Centrale Européenne",[403,406,408],{"type":232,"attrs":404},{"href":405,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.ecb.europa.eu/press/projections/html/ecb.projections202506_eurosystemstaff~16a68fbaf4.fr.html",{"type":184,"attrs":407},{"color":238},{"type":240},{"text":410,"type":103,"marks":411},". Pour une entreprise française exportant vers les États-Unis, les exportations françaises vers les États-Unis représentent 1,7 % du PIB selon la ",[412],{"type":184,"attrs":413},{"color":186},{"text":415,"type":103,"marks":416},"Banque de France",[417,420,422],{"type":232,"attrs":418},{"href":419,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/projections-macroeconomiques-intermediaires-mars-2025",{"type":184,"attrs":421},{"color":238},{"type":240},{"text":424,"type":103,"marks":425},". Cette appréciation réduit mécaniquement la valeur en euros de chaque dollar encaissé.",[426],{"type":184,"attrs":427},{"color":186},{"type":97,"attrs":429,"content":431},{"textAlign":25,"key":430},"p-12",[432,437,446,451,460,465,474],{"text":433,"type":103,"marks":434},"D'après le ",[435],{"type":184,"attrs":436},{"color":186},{"text":438,"type":103,"marks":439},"Rapport sur la stabilité financière (juin 2025)",[440,443,445],{"type":232,"attrs":441},{"href":442,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-sur-la-stabilite-financiere-juin-2025",{"type":184,"attrs":444},{"color":238},{"type":240},{"text":447,"type":103,"marks":448},", les secteurs les plus exposés au risque EUR/USD en France sont la construction aéronautique et spatiale, les boissons et l'industrie pharmaceutique. Mais le choc ne s’y limite pas. Les exportations de la zone euro se sont contractées de 3,1 % sur trois mois à août 2025 (",[449],{"type":184,"attrs":450},{"color":186},{"text":452,"type":103,"marks":453},"BCE, Bulletin n° 7/2025",[454,457,459],{"type":232,"attrs":455},{"href":456,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.ecb.europa.eu/pub/pdf/ecbu/eb202507.en.pdf",{"type":184,"attrs":458},{"color":238},{"type":240},{"text":461,"type":103,"marks":462},"), et la Banque de France estime que l'incertitude commerciale a coûté 0,2 point de PIB sur 2025-2026 (",[463],{"type":184,"attrs":464},{"color":186},{"text":466,"type":103,"marks":467},"projections de décembre 2025",[468,471,473],{"type":232,"attrs":469},{"href":470,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/projections-macroeconomiques-decembre-2025",{"type":184,"attrs":472},{"color":238},{"type":240},{"text":305,"type":103,"marks":475},[476],{"type":184,"attrs":477},{"color":186},{"type":188,"attrs":479,"content":480},{"level":190,"textAlign":25},[481],{"text":482,"type":103,"marks":483},"Quels instruments de couverture pouvez-vous utiliser ?",[484],{"type":184,"attrs":485},{"color":186},{"type":188,"attrs":487,"content":489},{"level":488,"textAlign":25},3,[490],{"text":491,"type":103,"marks":492},"Le contrat à terme : la base pour les flux prévisibles",[493],{"type":184,"attrs":494},{"color":186},{"type":97,"attrs":496,"content":497},{"textAlign":25,"key":99},[498,503,512],{"text":499,"type":103,"marks":500},"Le contrat à terme vous engage à acheter ou vendre un montant de devises à une date future et à un cours fixé à l'avance, négocié de gré à gré avec votre banque. La banque intègre le différentiel de taux entre les deux devises dans le prix. Au-delà de deux ans, ce type de contrat peut devenir extrêmement cher, comme le souligne Florence Saliba, présidente de l’Association française des trésoriers d’entreprise (AFTE) (",[501],{"type":184,"attrs":502},{"color":186},{"text":504,"type":103,"marks":505},"entrepreneurs.lesechos.fr",[506,509,511],{"type":232,"attrs":507},{"href":508,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://entrepreneurs.lesechos.fr/gestion-entreprise/finance/risque-de-change-comment-preserver-son-entreprise-2013402",{"type":184,"attrs":510},{"color":238},{"type":240},{"text":305,"type":103,"marks":513},[514],{"type":184,"attrs":515},{"color":186},{"type":97,"attrs":517,"content":518},{"textAlign":25,"key":212},[519,524,533],{"text":520,"type":103,"marks":521},"Ce mécanisme supprime totalement l'incertitude sur le cours, mais il vous prive d'une évolution de marché favorable. Il convient aux PME et ETI ayant des flux en devises prévisibles à court terme. Le traitement comptable s'inscrit dans le cadre des ",[522],{"type":184,"attrs":523},{"color":186},{"text":525,"type":103,"marks":526},"articles 628-1 et suivants du PCG",[527,530,532],{"type":232,"attrs":528},{"href":529,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.afte.com/formations/certificat-gestion-des-risques-de-change-et-taux-15",{"type":184,"attrs":531},{"color":238},{"type":240},{"text":534,"type":103,"marks":535},".",[536],{"type":184,"attrs":537},{"color":186},{"type":97,"attrs":539,"content":540},{"textAlign":25,"key":221},[541],{"text":542,"type":103,"marks":543},"Pour les devises non convertibles (yuan, real brésilien, roupie indienne), une variante existe : le contrat à terme non livrable (NDF), réglé par compensation financière à l'échéance sans livraison physique de la devise.",[544],{"type":184,"attrs":545},{"color":186},{"type":188,"attrs":547,"content":548},{"level":488,"textAlign":25},[549],{"text":550,"type":103,"marks":551},"L'option de change : de la flexibilité contre une prime",[552],{"type":184,"attrs":553},{"color":186},{"type":97,"attrs":555,"content":556},{"textAlign":25,"key":248},[557],{"text":558,"type":103,"marks":559},"L'option vous donne le droit, mais pas l'obligation, d'acheter ou de vendre un montant de devises à un cours fixé. Vous payez une prime en contrepartie de cette flexibilité. Si le cours évolue en votre faveur, vous n'exercez tout simplement pas l'option. C'est un avantage lorsque vos flux sont incertains, par exemple pour une réponse à un appel d'offres international.",[560],{"type":184,"attrs":561},{"color":186},{"type":97,"attrs":563,"content":564},{"textAlign":25,"key":279},[565],{"text":566,"type":103,"marks":567},"La contrepartie : la prime représente un coût immédiat, et la gestion des options demande une expertise que toutes les équipes finance ne possèdent pas. Les options sont donc réservées aux entreprises averties.",[568],{"type":184,"attrs":569},{"color":186},{"type":188,"attrs":571,"content":572},{"level":488,"textAlign":25},[573],{"text":574,"type":103,"marks":575},"Le swap de devises et la couverture naturelle",[576],{"type":184,"attrs":577},{"color":186},{"type":97,"attrs":579,"content":580},{"textAlign":25,"key":288},[581,586,595],{"text":582,"type":103,"marks":583},"Le swap de devises permet d'échanger temporairement des flux financiers entre deux devises. Les swaps de change représentent 74 % des opérations de dérivés en France, contre 4 % en moyenne mondiale, selon l'",[584],{"type":184,"attrs":585},{"color":186},{"text":587,"type":103,"marks":588},"enquête BRI 2025 de la Banque de France",[589,592,594],{"type":232,"attrs":590},{"href":591,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/enquete-mondiale-triennale-sur-les-derives-quel-positionnement-de-la-place-de-paris",{"type":184,"attrs":593},{"color":238},{"type":240},{"text":596,"type":103,"marks":597},". Cet instrument convient davantage aux ETI ayant des emprunts en devises ou des filiales étrangères.",[598],{"type":184,"attrs":599},{"color":186},{"type":97,"attrs":601,"content":602},{"textAlign":25,"key":311},[603,608,616],{"text":604,"type":103,"marks":605},"La couverture naturelle, quant à elle, consiste à équilibrer vos achats et ventes dans la même devise. Par exemple, vous conservez vos encaissements en USD sur un compte dédié pour régler vos fournisseurs en USD, sans conversion. Son coût se limite souvent à des frais de tenue de compte, et le ",[606],{"type":184,"attrs":607},{"color":186},{"text":609,"type":103,"marks":610},"PCG (article 420-7)",[611,613,615],{"type":232,"attrs":612},{"href":529,"uuid":25,"anchor":25,"target":235,"linktype":82},{"type":184,"attrs":614},{"color":238},{"type":240},{"text":617,"type":103,"marks":618}," encadre le traitement des opérations correspondantes. Variante encore plus simple : facturer en euros pour transférer le risque sur votre partenaire étranger.",[619],{"type":184,"attrs":620},{"color":186},{"type":188,"attrs":622,"content":623},{"level":190,"textAlign":25},[624],{"text":625,"type":103,"marks":626},"Pourquoi les PME et ETI restent-elles sous-couvertes ?",[627],{"type":184,"attrs":628},{"color":186},{"type":97,"attrs":630,"content":631},{"textAlign":25,"key":326},[632,637,643],{"text":633,"type":103,"marks":634},"Entre la pression de la clôture mensuelle, les urgences de trésorerie et le manque de ressources dédiées, les raisons de repousser la mise en place d’une couverture ne manquent pas. Le résultat : selon une enquête AMRAE citée dans ",[635],{"type":184,"attrs":636},{"color":186},{"text":638,"type":103,"marks":639},"Les Echos (octobre 2021)",[640,642],{"type":184,"attrs":641},{"color":238},{"type":240},{"text":644,"type":103,"marks":645},", 87 % des grandes entreprises disposent d'une couverture de change, contre seulement 8 % des ETI.",[646],{"type":184,"attrs":647},{"color":186},{"type":97,"attrs":649,"content":650},{"textAlign":25,"key":344},[651,656,662],{"text":652,"type":103,"marks":653},"Pourtant, le comportement des PME évolue rapidement. Entre le 2 et le 3 avril 2025, au lendemain de l'annonce de nouveaux droits de douane américains, une plateforme spécialisée a enregistré une multiplication par quatre des opérations de couverture de ses clients PME (",[654],{"type":184,"attrs":655},{"color":186},{"text":657,"type":103,"marks":658},"daf-mag.fr",[659,661],{"type":184,"attrs":660},{"color":238},{"type":240},{"text":305,"type":103,"marks":663},[664],{"type":184,"attrs":665},{"color":186},{"type":97,"attrs":667,"content":668},{"textAlign":25,"key":361},[669,674,680,685,694],{"text":670,"type":103,"marks":671},"Ce décalage entre grandes entreprises et PME/ETI s'explique par plusieurs erreurs récurrentes : ",[672],{"type":184,"attrs":673},{"color":186},{"text":675,"type":103,"marks":676},"l'absence de politique de change formalisée, des systèmes d'information sans suivi de change intégré",[677,679],{"type":184,"attrs":678},{"color":238},{"type":240},{"text":681,"type":103,"marks":682},", ou encore le recours à des produits trop complexes qui immobilisent la trésorerie. Comme le note Philippe Gélis dans ",[683],{"type":184,"attrs":684},{"color":186},{"text":686,"type":103,"marks":687},"La Tribune",[688,691,693],{"type":232,"attrs":689},{"href":690,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.latribune.fr/opinions/tribunes/aeronautique-comment-gerer-les-turbulences-sur-les-devises-486750.html",{"type":184,"attrs":692},{"color":238},{"type":240},{"text":695,"type":103,"marks":696},", « les équipes de ventes des banques sont incitées à vendre des produits de couverture les plus complexes et les plus onéreux possibles ». Une stratégie simple et limitée aux produits nécessaires reste la meilleure approche.",[697],{"type":184,"attrs":698},{"color":186},{"type":188,"attrs":700,"content":701},{"level":190,"textAlign":25},[702],{"text":703,"type":103,"marks":704},"Comment construire votre politique de change en quatre phases",[705],{"type":184,"attrs":706},{"color":186},{"type":198,"attrs":708},{"id":200,"body":709},[710],{"_uid":711,"type":73,"asset":712,"caption":73,"overlay":716,"component":209},"i-8ac75c85-5eec-49e5-89f8-b66603a9bf2f",{"id":713,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":714,"copyright":73,"fieldtype":78,"meta_data":715,"is_external_url":28},168565554534868,"https://a.storyblok.com/f/146026/12609x4931/d07502f75b/a-team-of-employees-meeting.jpeg",{},[],{"type":188,"attrs":718,"content":719},{"level":488,"textAlign":25},[720],{"text":721,"type":103,"marks":722},"Phase 1 — Diagnostiquer votre exposition réelle",[723],{"type":184,"attrs":724},{"color":186},{"type":97,"attrs":726,"content":727},{"textAlign":25,"key":384},[728,733,741],{"text":729,"type":103,"marks":730},"Cartographiez toutes vos expositions en devises : flux transactionnels, postes de bilan, hors-bilan. Identifiez les pays à régime de change contrôlé dans votre périmètre groupe. L'",[731],{"type":184,"attrs":732},{"color":186},{"text":734,"type":103,"marks":735},"AFTE recommande de distinguer systématiquement risque transactionnel, risque de consolidation et risque économique pour chaque devise",[736,738,740],{"type":232,"attrs":737},{"href":529,"uuid":25,"anchor":25,"target":235,"linktype":82},{"type":184,"attrs":739},{"color":238},{"type":240},{"text":534,"type":103,"marks":742},[743],{"type":184,"attrs":744},{"color":186},{"type":97,"attrs":746,"content":747},{"textAlign":25,"key":393},[748,753,763],{"text":749,"type":103,"marks":750},"C'est précisément à ce stade que la visibilité sur vos dépenses en devises devient déterminante. Spendesk, plateforme de gestion des dépenses tout-en-un centralisant achats, ",[751],{"type":184,"attrs":752},{"color":186},{"text":754,"type":103,"marks":755},"cartes d'entreprise intelligentes",[756,760,762],{"type":232,"attrs":757},{"href":758,"uuid":25,"anchor":25,"target":759,"linktype":82},"https://www.spendesk.com/fr/platform/","_self",{"type":184,"attrs":761},{"color":238},{"type":240},{"text":764,"type":103,"marks":765},", notes de frais, factures et budgets, permet de centraliser les dépenses dans une interface unique pour mieux suivre les dépenses et mesurer votre exposition réelle avant toute décision de couverture.",[766],{"type":184,"attrs":767},{"color":186},{"type":188,"attrs":769,"content":770},{"level":488,"textAlign":25},[771],{"text":772,"type":103,"marks":773},"Phase 2 — Rédiger une politique validée par la direction générale",[774],{"type":184,"attrs":775},{"color":186},{"type":97,"attrs":777,"content":778},{"textAlign":25,"key":430},[779,787,792,801],{"text":780,"type":103,"marks":781},"Définissez les devises à couvrir, les instruments autorisés (contrats à terme en priorité pour une PME), les seuils d'exposition déclenchant une couverture, et le traitement comptable applicable",[782,784,786],{"type":232,"attrs":783},{"href":529,"uuid":25,"anchor":25,"target":235,"linktype":82},{"type":184,"attrs":785},{"color":238},{"type":240},{"text":788,"type":103,"marks":789},". Nommez un responsable (DAF ou trésorier) en charge du suivi. L'ETI française Memscap ",[790],{"type":184,"attrs":791},{"color":186},{"text":793,"type":103,"marks":794},"illustre",[795,798,800],{"type":232,"attrs":796},{"href":797,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://entrepreneurs.lesechos.fr/gestion-entreprise/finance/la-gestion-du-cash-cest-notre-oxygene-lart-de-placer-sa-tresorerie-2201309",{"type":184,"attrs":799},{"color":238},{"type":240},{"text":802,"type":103,"marks":803}," que cette politique peut se piloter en interne en s'appuyant sur les analyses et outils de ses banques partenaires.",[804],{"type":184,"attrs":805},{"color":186},{"type":97,"attrs":807,"content":809},{"textAlign":25,"key":808},"p-13",[810,815,824],{"text":811,"type":103,"marks":812},"Un ",[813],{"type":184,"attrs":814},{"color":186},{"text":816,"type":103,"marks":817},"ratio de couverture de 70 à 85 %",[818,821,823],{"type":232,"attrs":819},{"href":820,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.afte.com/sites/default/files/2025-12/M%C3%A9moire%201er%20prix_Tr%C3%A9sorerie_BERROUIGUET_M%C3%A9taux%20strat%C3%A9giques%20et%20instabilit%C3%A9%20des%20march%C3%A9s.pdf",{"type":184,"attrs":822},{"color":238},{"type":240},{"text":825,"type":103,"marks":826}," (plutôt qu'une couverture intégrale) offre un meilleur équilibre entre protection et souplesse de trésorerie, selon les travaux académiques cités dans le mémoire d'Océane Berrouiguet (1er prix AFTE 2025).",[827],{"type":184,"attrs":828},{"color":186},{"type":188,"attrs":830,"content":831},{"level":488,"textAlign":25},[832],{"text":833,"type":103,"marks":834},"Phase 3 — Sélectionner les instruments et outils adaptés",[835],{"type":184,"attrs":836},{"color":186},{"type":97,"attrs":838,"content":840},{"textAlign":25,"key":839},"p-14",[841,846,855],{"text":842,"type":103,"marks":843},"Négociez avec deux ou trois banques vos instruments de couverture. Si vous exportez, pensez à l'",[844],{"type":184,"attrs":845},{"color":186},{"text":847,"type":103,"marks":848},"assurance change de Bpifrance",[849,852,854],{"type":232,"attrs":850},{"href":851,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.bpifrance.fr/nos-actualites/risque-de-change-plus-de-40-devises-couvertes-par-bpifrance",{"type":184,"attrs":853},{"color":238},{"type":240},{"text":856,"type":103,"marks":857},", qui couvre plus de 40 devises et dont plus des trois quarts du portefeuille est constitué de PME/ETI. Souscrivez le plus vite possible car le risque naît dès la fixation du prix.",[858],{"type":184,"attrs":859},{"color":186},{"type":97,"attrs":861,"content":863},{"textAlign":25,"key":862},"p-15",[864,869,878],{"text":865,"type":103,"marks":866},"Pour les dépenses courantes en devises (règlement de fournisseurs internationaux, remboursement de notes de frais), la ",[867],{"type":184,"attrs":868},{"color":186},{"text":870,"type":103,"marks":871},"solution de paiements internationaux de Spendesk",[872,875,877],{"type":232,"attrs":873},{"href":874,"uuid":25,"anchor":25,"target":759,"linktype":82},"https://www.spendesk.com/fr/platform/international-payments/",{"type":184,"attrs":876},{"color":238},{"type":240},{"text":879,"type":103,"marks":880},", construite sur l'infrastructure Wise, applique le taux de marché sur 30 devises, avec des frais affichés avant la validation de chaque paiement. Avec Spendesk, plus de 70 % des transferts arrivent en 20 secondes ou moins.",[881],{"type":184,"attrs":882},{"color":186},{"type":188,"attrs":884,"content":885},{"level":488,"textAlign":25},[886],{"text":887,"type":103,"marks":888},"Phase 4 — Piloter et ajuster en continu",[889],{"type":184,"attrs":890},{"color":186},{"type":97,"attrs":892,"content":894},{"textAlign":25,"key":893},"p-16",[895,900,909,914,922],{"text":896,"type":103,"marks":897},"Suivez vos positions de change par devise et par entité. Révisez votre politique en fonction des conditions de marché. Pour les ",[898],{"type":184,"attrs":899},{"color":186},{"text":901,"type":103,"marks":902},"équipes finance",[903,906,908],{"type":232,"attrs":904},{"href":905,"uuid":25,"anchor":25,"target":759,"linktype":82},"https://www.spendesk.com/fr/customers/",{"type":184,"attrs":907},{"color":238},{"type":240},{"text":910,"type":103,"marks":911}," qui souhaitent monter en compétences, le ",[912],{"type":184,"attrs":913},{"color":186},{"text":915,"type":103,"marks":916},"Certificat AFTE de gestion des risques de change et de taux",[917,919,921],{"type":232,"attrs":918},{"href":529,"uuid":25,"anchor":25,"target":235,"linktype":82},{"type":184,"attrs":920},{"color":238},{"type":240},{"text":923,"type":103,"marks":924}," constitue un repère reconnu en France.",[925],{"type":184,"attrs":926},{"color":186},{"type":188,"attrs":928,"content":929},{"level":190,"textAlign":25},[930],{"text":931,"type":103,"marks":932},"Quels facteurs macroéconomiques surveiller en 2026 ?",[933],{"type":184,"attrs":934},{"color":186},{"type":97,"attrs":936,"content":938},{"textAlign":25,"key":937},"p-17",[939,944,953],{"text":940,"type":103,"marks":941},"Selon les ",[942],{"type":184,"attrs":943},{"color":186},{"text":945,"type":103,"marks":946},"projections de la BCE de mars 2026",[947,950,952],{"type":232,"attrs":948},{"href":949,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.ecb.europa.eu/press/projections/html/ecb.projections202603_ecbstaff~ebe291cd3d.en.html",{"type":184,"attrs":951},{"color":238},{"type":240},{"text":954,"type":103,"marks":955},", le cours EUR/USD devrait évoluer entre 1,14 (25e percentile) et 1,19 (75e percentile).",[956],{"type":184,"attrs":957},{"color":186},{"type":97,"attrs":959,"content":961},{"textAlign":25,"key":960},"p-18",[962,968,973,979],{"text":963,"type":103,"marks":964},"La hausse des prix énergétiques",[965,967],{"type":184,"attrs":966},{"color":186},{"type":334},{"text":969,"type":103,"marks":970}," liée aux perturbations dans le détroit d'Ormuz exerce une pression baissière sur l'euro. Les projections du prix du pétrole pour 2026 ont été révisées de 30,1 % à la hausse entre décembre 2025 et mars 2026. Celles du gaz naturel ont augmenté de 56,6 %. ",[971],{"type":184,"attrs":972},{"color":186},{"text":974,"type":103,"marks":975},"Les tensions commerciales",[976,978],{"type":184,"attrs":977},{"color":186},{"type":334},{"text":980,"type":103,"marks":981}," pèsent également.",[982],{"type":184,"attrs":983},{"color":186},{"type":188,"attrs":985,"content":986},{"level":190,"textAlign":25},[987],{"text":988,"type":103,"marks":989},"Questions fréquentes",[990,992],{"type":184,"attrs":991},{"color":186},{"type":334},{"type":97,"attrs":994,"content":996},{"textAlign":25,"key":995},"p-19",[997,1003],{"text":998,"type":103,"marks":999},"Faut-il facturer en euros pour éviter le risque de change ?",[1000,1002],{"type":184,"attrs":1001},{"color":186},{"type":334},{"text":1004,"type":103,"marks":1005}," Facturer en euros transfère le risque sur votre partenaire étranger, ce qui simplifie votre gestion mais peut réduire votre compétitivité commerciale. C'est une stratégie de couverture naturelle viable lorsque votre pouvoir de négociation le permet, mais elle ne couvre pas les achats que vous effectuez en devises.",[1006],{"type":184,"attrs":1007},{"color":186},{"type":97,"attrs":1009,"content":1011},{"textAlign":25,"key":1010},"p-20",[1012,1018,1023,1032],{"text":1013,"type":103,"marks":1014},"Existe-t-il une assurance contre le risque de change pour les exportateurs ?",[1015,1017],{"type":184,"attrs":1016},{"color":186},{"type":334},{"text":1019,"type":103,"marks":1020}," Oui. Bpifrance propose une ",[1021],{"type":184,"attrs":1022},{"color":186},{"text":1024,"type":103,"marks":1025},"assurance change couvrant plus de 40 devises",[1026,1029,1031],{"type":232,"attrs":1027},{"href":1028,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.bpifrance.fr/download/media-file/69978",{"type":184,"attrs":1030},{"color":238},{"type":240},{"text":1033,"type":103,"marks":1034},", accessible dès le statut d’artisan. Le point essentiel est de souscrire avant la remise de votre offre commerciale, pas après la signature du contrat.",[1035],{"type":184,"attrs":1036},{"color":186},{"type":97,"attrs":1038,"content":1040},{"textAlign":25,"key":1039},"p-21",[1041,1047,1052,1061],{"text":1042,"type":103,"marks":1043},"Mon entreprise est-elle soumise aux obligations EMIR sur les dérivés de change ?",[1044,1046],{"type":184,"attrs":1045},{"color":186},{"type":334},{"text":1048,"type":103,"marks":1049}," Le ",[1050],{"type":184,"attrs":1051},{"color":186},{"text":1053,"type":103,"marks":1054},"seuil EMIR de compensation centrale pour les dérivés de change est fixé à 3 milliards d'euros en valeur notionnelle",[1055,1058,1060],{"type":232,"attrs":1056},{"href":1057,"uuid":25,"anchor":25,"target":235,"linktype":82},"https://www.amf-france.org/fr/actualites-publications/actualites/emir-refit-les-regles-relatives-lobligation-de-compensation-centrale-evoluent",{"type":184,"attrs":1059},{"color":238},{"type":240},{"text":1062,"type":103,"marks":1063},", et les dérivés conclus à des fins de couverture ne sont pas comptabilisés dans ce calcul. 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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",[],[2972],{"cta":2973,"_uid":2974,"items":2975,"heading":3042,"reverse":28,"component":2800,"sectionSettings":3066},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[2976,2987,2998,3009,3020,3031],{"_uid":2977,"hide":28,"title":2978,"component":2662,"description":2979},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":94,"attrs":2980,"content":2981},{"backgroundColor":25},[2982],{"type":97,"attrs":2983,"content":2984},{"textAlign":25},[2985],{"text":2986,"type":103},"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":2988,"hide":28,"title":2989,"component":2662,"description":2990},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":94,"attrs":2991,"content":2992},{"backgroundColor":25},[2993],{"type":97,"attrs":2994,"content":2995},{"textAlign":25},[2996],{"text":2997,"type":103},"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":2999,"hide":28,"title":3000,"component":2662,"description":3001},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":94,"attrs":3002,"content":3003},{"backgroundColor":25},[3004],{"type":97,"attrs":3005,"content":3006},{"textAlign":25},[3007],{"text":3008,"type":103},"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":3010,"hide":28,"title":3011,"component":2662,"description":3012},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":94,"attrs":3013,"content":3014},{"backgroundColor":25},[3015],{"type":97,"attrs":3016,"content":3017},{"textAlign":25},[3018],{"text":3019,"type":103},"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":3021,"hide":28,"title":3022,"component":2662,"description":3023},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":94,"attrs":3024,"content":3025},{"backgroundColor":25},[3026],{"type":97,"attrs":3027,"content":3028},{"textAlign":25},[3029],{"text":3030,"type":103},"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":3032,"hide":28,"title":3033,"component":2662,"description":3034},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":94,"attrs":3035,"content":3036},{"backgroundColor":25},[3037],{"type":97,"attrs":3038,"content":3039},{"textAlign":25},[3040],{"text":3041,"type":103},"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.",[3043],{"cta":3044,"_uid":3045,"title":3046,"layout":73,"eyebrow":3054,"subtitle":3061,"component":188,"textAlign":73,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3064,"sectionSettings":3065,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":73},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":94,"attrs":3047,"content":3048},{"backgroundColor":25},[3049],{"type":188,"attrs":3050,"content":3051},{"level":190,"textAlign":25},[3052],{"text":3053,"type":103},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":94,"attrs":3055,"content":3056},{"backgroundColor":25},[3057],{"type":97,"attrs":3058,"content":3059},{"textAlign":25},[3060],{"text":1509,"type":103},{"type":94,"content":3062},[3063],{"type":97},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[3075,3076,3077],{"path":3073,"name":25,"lang":32,"published":25},{"path":3073,"name":25,"lang":38,"published":25},{"path":3073,"name":25,"lang":40,"published":25},{"name":3079,"created_at":3080,"published_at":3081,"updated_at":3082,"id":3083,"uuid":3084,"content":3085,"slug":3198,"full_slug":3199,"sort_by_date":25,"position":3200,"tag_list":3201,"is_startpage":28,"parent_id":1201,"meta_data":25,"group_id":3202,"first_published_at":3203,"release_id":25,"lang":32,"path":25,"alternates":3204,"default_full_slug":3205,"translated_slugs":3206},"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":3086,"title":3079,"topics":3087,"noIndex":28,"category":3096,"language":3105,"component":1170,"heroMedia":3106,"publishedAt":3114,"redirectUrl":73,"listingImage":3115,"metaDescription":3116,"bottomArticleCta":3117,"componentsAfterTheArticle":3118},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[3088],{"name":119,"created_at":120,"published_at":121,"updated_at":122,"id":123,"uuid":124,"content":3089,"slug":135,"full_slug":136,"sort_by_date":25,"position":137,"tag_list":3090,"is_startpage":28,"parent_id":139,"meta_data":25,"group_id":140,"first_published_at":141,"release_id":25,"lang":32,"path":25,"alternates":3091,"default_full_slug":143,"translated_slugs":3092,"_stopResolving":41},{"_uid":134,"name":119,"component":22},[],[],[3093,3094,3095],{"path":143,"name":25,"lang":32,"published":25},{"path":143,"name":25,"lang":38,"published":25},{"path":143,"name":25,"lang":40,"published":25},{"name":1158,"created_at":1159,"published_at":16,"updated_at":1160,"id":1161,"uuid":1162,"content":3097,"slug":1170,"full_slug":1171,"sort_by_date":25,"position":52,"tag_list":3099,"is_startpage":28,"parent_id":1173,"meta_data":25,"group_id":1174,"first_published_at":1175,"release_id":25,"lang":32,"path":25,"alternates":3100,"default_full_slug":1177,"translated_slugs":3101,"_stopResolving":41},{"_uid":1164,"icon":3098,"name":1158,"component":1169},{"id":1166,"alt":1167,"name":73,"focus":73,"title":73,"filename":1168,"copyright":73,"fieldtype":78,"is_external_url":28},[],[],[3102,3103,3104],{"path":1177,"name":25,"lang":32,"published":25},{"path":1177,"name":25,"lang":38,"published":25},{"path":1177,"name":25,"lang":40,"published":25},[32],[3107],{"_uid":3108,"link":3109,"asset":3110,"caption":73,"component":209},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":73,"url":73,"linktype":1241,"fieldtype":83,"cached_url":2276,"prep":41},{"id":3111,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":3112,"copyright":73,"fieldtype":78,"meta_data":3113,"is_external_url":28},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.",[],[3119],{"cta":3120,"_uid":3121,"items":3122,"heading":3173,"reverse":28,"component":2800,"sectionSettings":3197},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3123,3140,3151,3162],{"_uid":3124,"hide":28,"title":3125,"component":2662,"description":3126},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":94,"attrs":3127,"content":3128},{"backgroundColor":25},[3129],{"type":97,"attrs":3130,"content":3131},{"textAlign":25},[3132,3134,3138],{"text":3133,"type":103},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":3135,"type":103,"marks":3136},"projet reporté",[3137],{"type":334},{"text":3139,"type":103},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":3141,"hide":28,"title":3142,"component":2662,"description":3143},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":94,"attrs":3144,"content":3145},{"backgroundColor":25},[3146],{"type":97,"attrs":3147,"content":3148},{"textAlign":25},[3149],{"text":3150,"type":103},"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":3152,"hide":28,"title":3153,"component":2662,"description":3154},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":94,"attrs":3155,"content":3156},{"backgroundColor":25},[3157],{"type":97,"attrs":3158,"content":3159},{"textAlign":25},[3160],{"text":3161,"type":103},"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":3163,"hide":28,"title":3164,"component":2662,"description":3165},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":94,"attrs":3166,"content":3167},{"backgroundColor":25},[3168],{"type":97,"attrs":3169,"content":3170},{"textAlign":25},[3171],{"text":3172,"type":103},"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.",[3174],{"cta":3175,"_uid":3176,"title":3177,"eyebrow":3185,"subtitle":3192,"component":188,"textAlign":73,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3195,"sectionSettings":3196,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":73},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":94,"attrs":3178,"content":3179},{"backgroundColor":25},[3180],{"type":188,"attrs":3181,"content":3182},{"level":190,"textAlign":25},[3183],{"text":3184,"type":103},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":94,"attrs":3186,"content":3187},{"backgroundColor":25},[3188],{"type":97,"attrs":3189,"content":3190},{"textAlign":25},[3191],{"text":1509,"type":103},{"type":94,"content":3193},[3194],{"type":97},[],[],[],"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",[3207,3208,3209],{"path":3205,"name":25,"lang":32,"published":25},{"path":3205,"name":25,"lang":38,"published":25},{"path":3205,"name":25,"lang":40,"published":25},1793991551238]