[{"data":1,"prerenderedAt":3555},["ShallowReactive",2],{"fr-blog/controle-iban-virement-fournisseur":3,"fr-global-content":1249,"fr-article-global-content":2585,"fr-blog-article-more-articles-189058121048356":2838,"MarkdownRenderer_iQcoasO7Mtp06mWxkm6kvJiI4vjdftaD2LzcW3PS6zY":3548},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1236,"full_slug":1237,"sort_by_date":26,"position":1238,"tag_list":1239,"is_startpage":29,"parent_id":1240,"meta_data":26,"group_id":1241,"first_published_at":1242,"release_id":26,"lang":33,"path":26,"alternates":1243,"default_full_slug":1244,"translated_slugs":1245},"Virement SEPA fournisseur 2026 : comment la vérification des données du bénéficiaire réduit les erreurs et les risques de fraude","2026-06-19T05:19:27.826Z","2026-11-03T12:10:02.583Z","2026-11-03T12:10:02.621Z",189058121048356,"7a10bd8e-3482-40ed-9e06-35d17f9b09ca",{"_uid":11,"roles":12,"title":4,"author":83,"topics":137,"content":168,"noIndex":29,"category":1107,"language":1132,"component":1120,"heroMedia":1133,"sidebarCta":1140,"publishedAt":1141,"redirectUrl":52,"listingImage":1142,"metaDescription":1143,"bottomArticleCta":1144,"componentsAfterTheArticle":1145},"eec835b2-3545-4b39-a855-06a20b5ffd72",[13,43,65],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":24,"full_slug":25,"sort_by_date":26,"position":27,"tag_list":28,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":31,"first_published_at":32,"release_id":26,"lang":33,"path":26,"alternates":34,"default_full_slug":35,"translated_slugs":36,"_stopResolving":42},"Accountant","2022-09-19T13:36:28.660Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.576Z",190903620,"27d61cde-0093-4c00-be8d-5cda47ef9ed7",{"_uid":21,"name":22,"component":23},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","Accountants","tag","accountants","fr/blog/role/accountants",null,0,[],false,190903385,"08848a19-819c-4c13-a216-e645ec1fe12a","2022-11-02T15:24:19.056Z","fr",[],"blog/role/accountants",[37,38,40],{"path":35,"name":26,"lang":33,"published":26},{"path":35,"name":26,"lang":39,"published":26},"de",{"path":35,"name":26,"lang":41,"published":26},"es",true,{"name":44,"created_at":45,"published_at":16,"updated_at":46,"id":47,"uuid":48,"content":49,"slug":53,"full_slug":54,"sort_by_date":26,"position":55,"tag_list":56,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":57,"first_published_at":58,"release_id":26,"lang":33,"path":26,"alternates":59,"default_full_slug":60,"translated_slugs":61,"_stopResolving":42},"Budget manager","2022-10-19T16:17:12.879Z","2026-03-12T10:47:19.777Z",206109932,"af79d1a6-f01f-43eb-aa41-6f9705b93e01",{"_uid":50,"name":51,"component":23,"hubspotId":52},"fe9819d0-b5da-4a13-9120-3050ce8baea9","Budget owner or manager","","budget-manager","fr/blog/role/budget-manager",-20,[],"b04d86a8-2a32-4b6e-b3de-8639e5557b83","2022-10-19T16:17:56.630Z",[],"blog/role/budget-manager",[62,63,64],{"path":60,"name":26,"lang":33,"published":26},{"path":60,"name":26,"lang":39,"published":26},{"path":60,"name":26,"lang":41,"published":26},{"name":66,"created_at":67,"published_at":16,"updated_at":68,"id":69,"uuid":70,"content":71,"slug":72,"full_slug":73,"sort_by_date":26,"position":27,"tag_list":74,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":75,"first_published_at":76,"release_id":26,"lang":33,"path":26,"alternates":77,"default_full_slug":78,"translated_slugs":79,"_stopResolving":42},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":21,"name":66,"component":23},"finance-manager","fr/blog/role/finance-manager",[],"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z",[],"blog/role/finance-manager",[80,81,82],{"path":78,"name":26,"lang":33,"published":26},{"path":78,"name":26,"lang":39,"published":26},{"path":78,"name":26,"lang":41,"published":26},{"name":84,"created_at":85,"published_at":86,"updated_at":87,"id":88,"uuid":89,"content":90,"slug":124,"full_slug":125,"sort_by_date":26,"position":126,"tag_list":127,"is_startpage":29,"parent_id":128,"meta_data":26,"group_id":129,"first_published_at":130,"release_id":26,"lang":33,"path":26,"alternates":131,"default_full_slug":132,"translated_slugs":133,"_stopResolving":42},"Maxime Reding","2026-03-17T08:39:44.277Z","2026-04-28T15:28:02.354Z","2026-10-27T08:00:25.018Z",155841266825828,"30784b49-7d4f-4209-ab52-8ffb11664c7d",{"_uid":91,"links":92,"picture":106,"lastName":110,"component":111,"firstName":112,"description":113},"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[93],{"tag":52,"_uid":94,"hide":29,"icon":95,"link":100,"type":52,"label":52,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":42,"horizontalFill":29},"4ba61fb6-4159-4585-93bd-76c8eacb7945",{"id":96,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":97,"copyright":52,"fieldtype":98,"meta_data":99,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{},{"id":52,"url":101,"linktype":102,"fieldtype":103,"cached_url":101},"https://www.linkedin.com/in/maxime-reding-0777b7172/","url","multilink","primary","cta",{"id":107,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":108,"copyright":52,"fieldtype":98,"meta_data":109,"is_external_url":29},155841634553012,"https://a.storyblok.com/f/146026/512x512/cf0a8b2f08/t3hl6t4qp-u02bu4jb4d8-a93da9d1f60a-512.png",{},"Reding","author","Maxime",{"type":114,"content":115},"doc",[116],{"type":117,"attrs":118,"content":120},"paragraph",{"textAlign":26,"key":119},"p-0",[121],{"text":122,"type":123},"Originaire du Luxembourg et diplômé de la Rotterdam School of Management, il apporte un esprit analytique aigu et une expérience en gestion stratégique à notre équipe financière. Maxime a rejoint Spendesk en 2021 et a progressé régulièrement dans les rangs depuis, devenant notre ingénieur financier résident.","text","maxime-reding","fr/blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z",[],"blog/author/maxime-reding",[134,135,136],{"path":132,"name":26,"lang":33,"published":26},{"path":132,"name":26,"lang":39,"published":26},{"path":132,"name":26,"lang":41,"published":26},[138],{"name":139,"created_at":140,"published_at":141,"updated_at":142,"id":143,"uuid":144,"content":145,"slug":155,"full_slug":156,"sort_by_date":26,"position":157,"tag_list":158,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":160,"first_published_at":161,"release_id":26,"lang":33,"path":26,"alternates":162,"default_full_slug":163,"translated_slugs":164,"_stopResolving":42},"Comptabilité","2022-10-19T17:57:49.664Z","2026-09-29T09:14:36.752Z","2026-09-29T09:14:36.770Z",206171401,"d0994ca0-a555-425e-b68f-d17b0657cfdb",{"seo":146,"_uid":154,"name":139,"component":23},[147],{"_uid":148,"noIndex":29,"component":149,"metaFields":150},"003e6fa5-f394-4f34-9194-17a60fb3b7c7","seo",{"_uid":151,"plugin":152,"description":153},"2934225d-3f1b-4f90-b7af-65d9bdf88844","meta-fields","Comptabilite et finance d'entreprise : rapprochements, clotures et comment simplifier le lien entre depenses et comptabilite.","1dc6497e-1135-45e9-a2c6-426facc382ba","comptabilite","fr/blog/topic/comptabilite",-50,[],176456153,"0cd4ad6e-957d-466c-ad0c-f730e74c8b7a","2022-11-02T15:24:55.833Z",[],"blog/topic/comptabilite",[165,166,167],{"path":163,"name":26,"lang":33,"published":26},{"path":163,"name":26,"lang":39,"published":26},{"path":163,"name":26,"lang":41,"published":26},{"type":114,"attrs":169,"content":170},{"backgroundColor":26},[171,189,207,222,225,255,279,289,298,316,322,441,464,482,489,495,539,555,567,575,586,592,603,610,620,631,653,664,674,688,694,703,708,715,725,727,740,747,758,769,774,811,818,838,845,856,867,878,885,900,907,936,943,960,974,979,1025,1039,1046,1065,1091],{"type":117,"attrs":172,"content":173},{"textAlign":26,"key":119},[174,176,181,183,187],{"text":175,"type":123},"Un ",{"text":177,"type":123,"marks":178},"écart sur un virement fournisseur ",[179],{"type":180},"bold",{"text":182,"type":123},"peut sembler anodin. Jusqu’au moment où plusieurs paiements d’une même campagne remontent en « Close Match » ou « No Match » et doivent être ",{"text":184,"type":123,"marks":185},"vérifiés un à un",[186],{"type":180},{"text":188,"type":123}," avant confirmation.",{"type":117,"attrs":190,"content":192},{"textAlign":26,"key":191},"p-1",[193,195,199,201,205],{"text":194,"type":123},"Le fichier est prêt. Les validations sont passées. La trésorerie a été cadrée. Et pourtant, au moment de lancer les virements, certains bénéficiaires ",{"text":196,"type":123,"marks":197},"remontent avec une alerte de vérification",[198],{"type":180},{"text":200,"type":123},". Pas à cause d’un IBAN invalide ni d’un problème de fonds, mais parce que le nom enregistré dans votre référentiel fournisseur ",{"text":202,"type":123,"marks":203},"ne correspond pas exactement à celui associé au compte bancaire",[204],{"type":180},{"text":206,"type":123},". Le payeur doit alors examiner le résultat avant de confirmer le virement, selon les règles appliquées par sa banque, son prestataire de paiement ou ses propres contrôles internes.",{"type":208,"attrs":209},"blok",{"id":210,"body":211},"96416818-939e-4174-b0e1-0d9c1bc7b142",[212],{"_uid":213,"link":214,"asset":217,"caption":52,"component":221},"i-0bceba2c-e726-41bf-8665-282c33c84f7c",{"id":52,"url":52,"linktype":215,"fieldtype":103,"cached_url":216,"prep":42},"story","/fr/",{"id":218,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":219,"copyright":52,"fieldtype":98,"meta_data":220,"is_external_url":29},164783871613243,"https://a.storyblok.com/f/146026/10422x5464/e956c8feca/adobestock_480143394.jpeg",{},"image",{"type":117,"attrs":223},{"textAlign":26,"key":224},"p-2",{"type":117,"attrs":226,"content":228},{"textAlign":26,"key":227},"p-3",[229,231,235,237,241,243,247,249,253],{"text":230,"type":123},"Depuis le ",{"text":232,"type":123,"marks":233},"9 octobre 2025",[234],{"type":180},{"text":236,"type":123},", ce contrôle est devenu un passage obligé pour les ",{"text":238,"type":123,"marks":239},"virements SEPA",[240],{"type":180},{"text":242,"type":123},". Avec la vérification des données du bénéficiaire, imposée par le ",{"text":244,"type":123,"marks":245},"Règlement (UE) 2024/886",[246],{"type":180},{"text":248,"type":123},", les banques doivent vérifier la cohérence entre le bénéficiaire saisi et le titulaire de l’IBAN avant d’exécuter un virement standard ou instantané. Quand la correspondance ne passe pas, le paiement peut être ",{"text":250,"type":123,"marks":251},"ralenti, suspendu ou renvoyé",[252],{"type":180},{"text":254,"type":123}," dans le circuit de vérification.",{"type":117,"attrs":256,"content":258},{"textAlign":26,"key":257},"p-4",[259,261,265,267,271,273,277],{"text":260,"type":123},"Pour les équipes AP, le message est clair : les ",{"text":262,"type":123,"marks":263},"données fournisseurs",[264],{"type":180},{"text":266,"type":123}," ne sont plus un simple sujet d’administration. Elles deviennent un ",{"text":268,"type":123,"marks":269},"point de contrôle critique",[270],{"type":180},{"text":272,"type":123}," dans l’exécution des paiements, la continuité des opérations et la ",{"text":274,"type":123,"marks":275},"prévention de la fraude au virement",[276],{"type":180},{"text":278,"type":123},".",{"type":208,"attrs":280},{"id":281,"body":282},"b739eda5-fd3f-4f4c-9b47-bbec53a97cb5",[283],{"_uid":284,"text":285,"color":286,"title":287,"component":288},"i-8f383d37-b0bf-4750-8b25-023cb5ad3a45","- La vérification des données du bénéficiaire s’applique depuis le **9 octobre 2025** à tous les virements SEPA.\n- Elle compare le nom du bénéficiaire renseigné avec les informations associées à l’IBAN.\n- Elle peut produire quatre résultats : **« Match »**, **« Close Match »**, **« No Match »** et **« Impossible Match »**.\n- Les alertes signalent souvent un problème de qualité dans le référentiel fournisseur, sans indiquer automatiquement une fraude.\n- La mise à jour des coordonnées bancaires doit faire l’objet d’une **double vérification**.\n- Avant novembre 2026, les fichiers de paiement devront intégrer des **adresses structurées** au format ISO 20022.\n- L’automatisation permet de fiabiliser les données fournisseurs avant l’exécution des paiements.","orange","📌 À retenir","callout",{"type":290,"attrs":291,"content":293},"heading",{"level":292,"textAlign":26},2,[294],{"text":295,"type":123,"marks":296},"La vérification des données du bénéficiaire s’applique à tous les virements SEPA",[297],{"type":180},{"type":117,"attrs":299,"content":301},{"textAlign":26,"key":300},"p-5",[302,304,308,310,314],{"text":303,"type":123},"La vérification des données du bénéficiaire est en place depuis le 9 octobre 2025 pour tous les paiements SEPA. Elle permet ",{"text":305,"type":123,"marks":306},"d’identifier les erreurs de saisie",[307],{"type":180},{"text":309,"type":123}," et",{"text":311,"type":123,"marks":312}," les comptes potentiellement frauduleux ",[313],{"type":180},{"text":315,"type":123},"en comparant le nom du bénéficiaire renseigné avec les informations associées à l’IBAN.",{"type":117,"attrs":317,"content":319},{"textAlign":26,"key":318},"p-6",[320],{"text":321,"type":123},"Le mécanisme repose sur quatre résultats :",{"type":323,"content":324},"table",[325,352,375,397,419],{"type":326,"content":327},"tableRow",[328,341],{"type":329,"attrs":330,"content":332},"tableHeader",{"colspan":331,"rowspan":331,"colwidth":26},1,[333],{"type":117,"attrs":334,"content":336},{"textAlign":26,"key":335},"p-7",[337],{"text":338,"type":123,"marks":339},"Résultat",[340],{"type":180},{"type":329,"attrs":342,"content":343},{"colspan":331,"rowspan":331,"colwidth":26},[344],{"type":117,"attrs":345,"content":347},{"textAlign":26,"key":346},"p-8",[348],{"text":349,"type":123,"marks":350},"Signification",[351],{"type":180},{"type":326,"content":353},[354,366],{"type":355,"attrs":356,"content":357},"tableCell",{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[358],{"type":117,"attrs":359,"content":361},{"textAlign":26,"key":360},"p-9",[362],{"text":363,"type":123,"marks":364},"Match",[365],{"type":180},{"type":355,"attrs":367,"content":368},{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[369],{"type":117,"attrs":370,"content":372},{"textAlign":26,"key":371},"p-10",[373],{"text":374,"type":123},"Correspondance confirmée",{"type":326,"content":376},[377,388],{"type":355,"attrs":378,"content":379},{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[380],{"type":117,"attrs":381,"content":383},{"textAlign":26,"key":382},"p-11",[384],{"text":385,"type":123,"marks":386},"Close Match",[387],{"type":180},{"type":355,"attrs":389,"content":390},{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[391],{"type":117,"attrs":392,"content":394},{"textAlign":26,"key":393},"p-12",[395],{"text":396,"type":123},"Correspondance partielle",{"type":326,"content":398},[399,410],{"type":355,"attrs":400,"content":401},{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[402],{"type":117,"attrs":403,"content":405},{"textAlign":26,"key":404},"p-13",[406],{"text":407,"type":123,"marks":408},"No Match",[409],{"type":180},{"type":355,"attrs":411,"content":412},{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[413],{"type":117,"attrs":414,"content":416},{"textAlign":26,"key":415},"p-14",[417],{"text":418,"type":123},"Absence de correspondance",{"type":326,"content":420},[421,432],{"type":355,"attrs":422,"content":423},{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[424],{"type":117,"attrs":425,"content":427},{"textAlign":26,"key":426},"p-15",[428],{"text":429,"type":123,"marks":430},"Impossible Match",[431],{"type":180},{"type":355,"attrs":433,"content":434},{"colspan":331,"rowspan":331,"colwidth":26,"backgroundColor":26},[435],{"type":117,"attrs":436,"content":438},{"textAlign":26,"key":437},"p-16",[439],{"text":440,"type":123},"Vérification impossible",{"type":117,"attrs":442,"content":444},{"textAlign":26,"key":443},"p-17",[445,447,451,453,457,459,463],{"text":446,"type":123},"Cette vérification s’applique à chaque paiement. Si le titulaire du compte est ",{"text":448,"type":123,"marks":449},"« Dupont Matériaux SAS »",[450],{"type":180},{"text":452,"type":123}," et que l’entreprise saisit simplement ",{"text":454,"type":123,"marks":455},"« Dupont Matériaux »",[456],{"type":180},{"text":458,"type":123},", le résultat pourra être ",{"text":460,"type":123,"marks":461},"« Close Match »",[462],{"type":180},{"text":278,"type":123},{"type":117,"attrs":465,"content":467},{"textAlign":26,"key":466},"p-18",[468,470,474,476,480],{"text":469,"type":123},"En revanche, si elle indique ",{"text":471,"type":123,"marks":472},"« Durand Matériaux SAS »",[473],{"type":180},{"text":475,"type":123},", elle pourra obtenir un ",{"text":477,"type":123,"marks":478},"« No Match »",[479],{"type":180},{"text":481,"type":123}," et devra vérifier les informations avant de confirmer le paiement.",{"type":290,"attrs":483,"content":484},{"level":292,"textAlign":26},[485],{"text":486,"type":123,"marks":487},"Les alertes liées à la vérification révèlent des problèmes de qualité dans les données fournisseurs",[488],{"type":180},{"type":117,"attrs":490,"content":492},{"textAlign":26,"key":491},"p-19",[493],{"text":494,"type":123},"La majorité des alertes générées lors de la vérification ne signalent pas une fraude. Elles proviennent souvent d’écarts dans le référentiel fournisseurs :",{"type":496,"content":497},"bullet_list",[498,507,515,523,531],{"type":499,"content":500},"list_item",[501],{"type":117,"attrs":502,"content":504},{"textAlign":26,"key":503},"p-20",[505],{"text":506,"type":123},"raison sociale obsolète ;",{"type":499,"content":508},[509],{"type":117,"attrs":510,"content":512},{"textAlign":26,"key":511},"p-21",[513],{"text":514,"type":123},"IBAN non mis à jour après un changement de banque ;",{"type":499,"content":516},[517],{"type":117,"attrs":518,"content":520},{"textAlign":26,"key":519},"p-22",[521],{"text":522,"type":123},"abréviation différente ;",{"type":499,"content":524},[525],{"type":117,"attrs":526,"content":528},{"textAlign":26,"key":527},"p-23",[529],{"text":530,"type":123},"accent manquant ;",{"type":499,"content":532},[533],{"type":117,"attrs":534,"content":536},{"textAlign":26,"key":535},"p-24",[537],{"text":538,"type":123},"forme juridique renseignée différemment.",{"type":117,"attrs":540,"content":542},{"textAlign":26,"key":541},"p-25",[543,545,548,550,553],{"text":544,"type":123},"Ces incohérences peuvent faire remonter un ",{"text":460,"type":123,"marks":546},[547],{"type":180},{"text":549,"type":123}," ou un ",{"text":477,"type":123,"marks":551},[552],{"type":180},{"text":554,"type":123},". L’équipe Finance doit alors examiner l’écart et décider si le virement peut être confirmé ou si des vérifications supplémentaires sont nécessaires.",{"type":117,"attrs":556,"content":558},{"textAlign":26,"key":557},"p-26",[559,561,565],{"text":560,"type":123},"À faible volume, ces cas restent faciles à traiter. Mais lorsqu’ils se multiplient, leur traitement au cas par cas devient rapidement ",{"text":562,"type":123,"marks":563},"chronophage",[564],{"type":180},{"text":566,"type":123}," et ralentit l’exécution des paiements.",{"type":290,"attrs":568,"content":570},{"level":569,"textAlign":26},3,[571],{"text":572,"type":123,"marks":573},"Un cas concret",[574],{"type":180},{"type":117,"attrs":576,"content":578},{"textAlign":26,"key":577},"p-27",[579,581,584],{"text":580,"type":123},"Un RAF lance sa campagne un vendredi après-midi et voit remonter douze ",{"text":477,"type":123,"marks":582},[583],{"type":180},{"text":585,"type":123},". L’analyse permet d’en expliquer la plupart : écarts dans la raison sociale, coordonnées bancaires modifiées sans mise à jour du référentiel fournisseur.",{"type":117,"attrs":587,"content":589},{"textAlign":26,"key":588},"p-28",[590],{"text":591,"type":123},"L’un des cas reste toutefois suffisamment inhabituel pour nécessiter des vérifications supplémentaires. Par prudence, l’équipe Finance décide de ne pas confirmer les virements concernés tant que les écarts ne sont pas levés.",{"type":117,"attrs":593,"content":595},{"textAlign":26,"key":594},"p-29",[596,598,602],{"text":597,"type":123},"La campagne prend du retard, avec à la clé un ",{"text":599,"type":123,"marks":600},"risque de paiement hors délai",[601],{"type":180},{"text":278,"type":123},{"type":290,"attrs":604,"content":605},{"level":292,"textAlign":26},[606],{"text":607,"type":123,"marks":608},"La vérification réduit le risque de fraude au virement fournisseur",[609],{"type":180},{"type":208,"attrs":611},{"id":612,"body":613},"74de44f7-15d7-403c-8e31-b994b9f9e1c3",[614],{"_uid":615,"asset":616,"caption":52,"component":221},"i-684e298f-f4af-498c-9f98-f9158f79891e",{"id":617,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":618,"copyright":52,"fieldtype":98,"meta_data":619,"is_external_url":29},180996618317543,"https://a.storyblok.com/f/146026/7360x3481/b49f4e3d20/adobestock_305813154-1.jpeg",{},{"type":117,"attrs":621,"content":622},{"textAlign":26,"key":119},[623,625,629],{"text":624,"type":123},"Le schéma classique de ",{"text":626,"type":123,"marks":627},"fraude au virement",[628],{"type":180},{"text":630,"type":123}," est connu : un fraudeur usurpe l’identité d’un fournisseur et demande par e-mail un changement de coordonnées bancaires.",{"type":117,"attrs":632,"content":633},{"textAlign":26,"key":191},[634,636,640,642,651],{"text":635,"type":123},"L’équipe met à jour la fiche. Au virement suivant, les fonds partent vers un ",{"text":637,"type":123,"marks":638},"compte contrôlé par le fraudeur",[639],{"type":180},{"text":641,"type":123},". Garantir le ",{"text":643,"type":123,"marks":644},"paiement sécurisé de ses fournisseurs",[645,650],{"type":646,"attrs":647},"link",{"href":648,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.spendesk.com/fr/blog/paiement-securise/","_blank",{"type":180},{"text":652,"type":123}," passe désormais par des contrôles automatisés en amont de chaque exécution.",{"type":117,"attrs":654,"content":655},{"textAlign":26,"key":224},[656,658,662],{"text":657,"type":123},"Avant la mise en place de cette vérification, le seul recours était un ",{"text":659,"type":123,"marks":660},"rappel téléphonique",[661],{"type":180},{"text":663,"type":123},", rarement appliqué de façon systématique.",{"type":117,"attrs":665,"content":666},{"textAlign":26,"key":227},[667,669,672],{"text":668,"type":123},"La vérification des données du bénéficiaire avant la confirmation du paiement change la donne. Si l’IBAN transmis par le fraudeur ne correspond pas au fournisseur légitime, le prestataire de paiement renvoie un résultat ",{"text":477,"type":123,"marks":670},[671],{"type":180},{"text":673,"type":123},", permettant à l’entreprise de vérifier les informations avant de confirmer le virement.",{"type":117,"attrs":675,"content":676},{"textAlign":26,"key":257},[677,679,686],{"text":678,"type":123},"Les ",{"text":680,"type":123,"marks":681},"fraudes aux notes de frais",[682,685],{"type":646,"attrs":683},{"href":684,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.spendesk.com/fr/blog/lutter-contre-fraude-notes-de-frais/",{"type":180},{"text":687,"type":123}," exploitent des vecteurs similaires. La vigilance sur les données bancaires doit donc couvrir l’ensemble des flux de paiement.",{"type":290,"attrs":689,"content":690},{"level":569,"textAlign":26},[691],{"text":572,"type":123,"marks":692},[693],{"type":180},{"type":117,"attrs":695,"content":696},{"textAlign":26,"key":300},[697,699,702],{"text":698,"type":123},"Le DAF d’une ETI reçoit un e-mail demandant un changement de RIB pour un prestataire. La fiche est mise à jour. Au prochain virement, la vérification renvoie un résultat ",{"text":477,"type":123,"marks":700},[701],{"type":180},{"text":278,"type":123},{"type":117,"attrs":704,"content":705},{"textAlign":26,"key":318},[706],{"text":707,"type":123},"L’alerte permet au DAF d’interrompre le processus et de vérifier la demande avant le paiement. Sans cette vérification, l’incohérence aurait pu ne pas être détectée avant le transfert des fonds.",{"type":290,"attrs":709,"content":710},{"level":292,"textAlign":26},[711],{"text":712,"type":123,"marks":713},"Cinq étapes pour fiabiliser les coordonnées fournisseurs avant une campagne de règlement",[714],{"type":180},{"type":208,"attrs":716},{"id":210,"body":717},[718],{"_uid":719,"link":720,"asset":721,"caption":52,"component":221},"i-7b6fcccf-42f5-4661-9713-d57eedf2f69a",{"id":52,"url":52,"linktype":215,"fieldtype":103,"cached_url":216,"prep":42},{"id":722,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":723,"copyright":52,"fieldtype":98,"meta_data":724,"is_external_url":29},165074794759078,"https://a.storyblok.com/f/146026/2120x1414/af1560db11/istock-2218333121.jpg",{},{"type":117,"attrs":726},{"textAlign":26,"key":335},{"type":117,"attrs":728,"content":729},{"textAlign":26,"key":346},[730,732,736,738],{"text":731,"type":123},"Lorsque chaque virement déclenche un contrôle de correspondance, la qualité des données doit être garantie ",{"text":733,"type":123,"marks":734},"avant la campagne de règlement",[735],{"type":180},{"text":737,"type":123},". Quelques contrôles permettent de réduire les alertes et de limiter les vérifications de dernière minute.",{"type":739},"hard_break",{"type":290,"attrs":741,"content":742},{"level":569,"textAlign":26},[743],{"text":744,"type":123,"marks":745},"1. Auditer le référentiel fournisseurs",[746],{"type":180},{"type":117,"attrs":748,"content":749},{"textAlign":26,"key":360},[750,752,756],{"text":751,"type":123},"Comparez les ",{"text":753,"type":123,"marks":754},"dénominations enregistrées",[755],{"type":180},{"text":757,"type":123}," avec les données officielles, notamment celles disponibles dans SIRENE, Infogreffe et les registres européens.",{"type":117,"attrs":759,"content":760},{"textAlign":26,"key":371},[761,763,767],{"text":762,"type":123},"Pour récupérer les informations sur l’IBAN, le nom et le prénom associés à chaque compte, sollicitez directement vos fournisseurs afin d’obtenir une ",{"text":764,"type":123,"marks":765},"confirmation écrite",[766],{"type":180},{"text":768,"type":123}," de leurs coordonnées bancaires.",{"type":117,"attrs":770,"content":771},{"textAlign":26,"key":382},[772],{"text":773,"type":123},"Identifiez les écarts portant sur :",{"type":496,"content":775},[776,783,790,797,804],{"type":499,"content":777},[778],{"type":117,"attrs":779,"content":780},{"textAlign":26,"key":393},[781],{"text":782,"type":123},"la forme juridique ;",{"type":499,"content":784},[785],{"type":117,"attrs":786,"content":787},{"textAlign":26,"key":404},[788],{"text":789,"type":123},"les accents ;",{"type":499,"content":791},[792],{"type":117,"attrs":793,"content":794},{"textAlign":26,"key":415},[795],{"text":796,"type":123},"les abréviations ;",{"type":499,"content":798},[799],{"type":117,"attrs":800,"content":801},{"textAlign":26,"key":426},[802],{"text":803,"type":123},"l’ordre des informations ;",{"type":499,"content":805},[806],{"type":117,"attrs":807,"content":808},{"textAlign":26,"key":437},[809],{"text":810,"type":123},"la dénomination légale.",{"type":290,"attrs":812,"content":813},{"level":569,"textAlign":26},[814],{"text":815,"type":123,"marks":816},"2. Standardiser le format des noms",[817],{"type":180},{"type":117,"attrs":819,"content":820},{"textAlign":26,"key":443},[821,823,827,829,836],{"text":822,"type":123},"Le ",{"text":824,"type":123,"marks":825},"nom légal complet",[826],{"type":180},{"text":828,"type":123},", tel qu'enregistré au registre du commerce, est la seule référence valide. Harmonisez la position de la forme juridique (SAS, SARL, SA) selon un modèle unique. Des noms cohérents accélèrent aussi le ",{"text":830,"type":123,"marks":831},"traitement des factures fournisseurs",[832,835],{"type":646,"attrs":833},{"href":834,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.spendesk.com/fr/blog/processus-de-traitement-des-factures-fournisseurs/",{"type":180},{"text":837,"type":123}," et le rapprochement automatique.",{"type":290,"attrs":839,"content":840},{"level":569,"textAlign":26},[841],{"text":842,"type":123,"marks":843},"3. Valider les IBAN actifs",[844],{"type":180},{"type":117,"attrs":846,"content":847},{"textAlign":26,"key":466},[848,850,854],{"text":849,"type":123},"La ",{"text":851,"type":123,"marks":852},"clé de contrôle de l’IBAN",[853],{"type":180},{"text":855,"type":123},", composée de deux chiffres après le code pays, permet un premier filtre.",{"type":117,"attrs":857,"content":858},{"textAlign":26,"key":491},[859,861,865],{"text":860,"type":123},"Un IBAN invalide selon l’",{"text":862,"type":123,"marks":863},"algorithme MOD-97",[864],{"type":180},{"text":866,"type":123}," signale une erreur de saisie ou un numéro fabriqué. Un outil de validation d’IBAN intégré à Excel ou à votre logiciel de gestion automatise cette vérification.",{"type":117,"attrs":868,"content":869},{"textAlign":26,"key":503},[870,872,876],{"text":871,"type":123},"Ce contrôle ne remplace pas la confirmation des coordonnées auprès du fournisseur. Il permet toutefois d’identifier rapidement les ",{"text":873,"type":123,"marks":874},"erreurs de format",[875],{"type":180},{"text":877,"type":123}," avant la préparation du fichier de virement.",{"type":290,"attrs":879,"content":880},{"level":569,"textAlign":26},[881],{"text":882,"type":123,"marks":883},"4. Instaurer un workflow de mise à jour des coordonnées bancaires",[884],{"type":180},{"type":117,"attrs":886,"content":887},{"textAlign":26,"key":511},[888,890,894,896],{"text":889,"type":123},"Tout changement de RIB doit déclencher une ",{"text":891,"type":123,"marks":892},"double vérification",[893],{"type":180},{"text":895,"type":123}," : rappel téléphonique au numéro connu (pas celui de l'email de demande) et réception d'un RIB sur un papier à en-tête officiel. ",{"text":897,"type":123,"marks":898},"Sans exception.",[899],{"type":180},{"type":290,"attrs":901,"content":902},{"level":569,"textAlign":26},[903],{"text":904,"type":123,"marks":905},"5. Préparer les fichiers de virement au format ISO 20022",[906],{"type":180},{"type":117,"attrs":908,"content":909},{"textAlign":26,"key":519},[910,912,916,918,925,927,934],{"text":911,"type":123},"Avant novembre 2026, vos fichiers de paiement devront inclure des ",{"text":913,"type":123,"marks":914},"adresses structurées",[915],{"type":180},{"text":917,"type":123}," (rue, code postal, ville, pays) au lieu de blocs en texte libre, comme le précisent l'",{"text":919,"type":123,"marks":920},"AFTE",[921,924],{"type":646,"attrs":922},{"href":923,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.afte.com/publication/actualites/ce-quil-faut-savoir-sur-la-migration-iso-20022",{"type":180},{"text":926,"type":123}," et le ",{"text":928,"type":123,"marks":929},"CFONB",[930,933],{"type":646,"attrs":931},{"href":932,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.cfonb.org/espace-documentaire/transposition-des-adresses-au-format-iso-20022",{"type":180},{"text":935,"type":123},". Anticiper cette évolution évite de la subir dans l’urgence lors des premiers rejets.",{"type":290,"attrs":937,"content":938},{"level":292,"textAlign":26},[939],{"text":940,"type":123,"marks":941},"L’automatisation AP réduit les erreurs détectées au moment de la vérification",[942],{"type":180},{"type":117,"attrs":944,"content":945},{"textAlign":26,"key":527},[946,948,952,954,958],{"text":947,"type":123},"Lorsque chaque ",{"text":949,"type":123,"marks":950},"paiement fournisseur par virement SEPA",[951],{"type":180},{"text":953,"type":123}," déclenche un contrôle de correspondance, la qualité des données doit être garantie ",{"text":955,"type":123,"marks":956},"en amont",[957],{"type":180},{"text":959,"type":123},", et non corrigée au fil des alertes.",{"type":117,"attrs":961,"content":962},{"textAlign":26,"key":535},[963,965,972],{"text":964,"type":123},"L’",{"text":966,"type":123,"marks":967},"automatisation pour les DAF",[968,971],{"type":646,"attrs":969},{"href":970,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.spendesk.com/fr/blog/automatisation-daf/",{"type":180},{"text":973,"type":123}," couvre désormais l’intégrité des données de paiement, et pas seulement la collecte des justificatifs.",{"type":117,"attrs":975,"content":976},{"textAlign":26,"key":541},[977],{"text":978,"type":123},"Les fonctionnalités à rechercher sont notamment :",{"type":496,"content":980},[981,988,995,1002,1009,1017],{"type":499,"content":982},[983],{"type":117,"attrs":984,"content":985},{"textAlign":26,"key":557},[986],{"text":987,"type":123},"l’enregistrement fournisseur avec des champs structurés ;",{"type":499,"content":989},[990],{"type":117,"attrs":991,"content":992},{"textAlign":26,"key":577},[993],{"text":994,"type":123},"la dénomination légale ;",{"type":499,"content":996},[997],{"type":117,"attrs":998,"content":999},{"textAlign":26,"key":588},[1000],{"text":1001,"type":123},"le SIREN ;",{"type":499,"content":1003},[1004],{"type":117,"attrs":1005,"content":1006},{"textAlign":26,"key":594},[1007],{"text":1008,"type":123},"l’IBAN validé ;",{"type":499,"content":1010},[1011],{"type":117,"attrs":1012,"content":1014},{"textAlign":26,"key":1013},"p-30",[1015],{"text":1016,"type":123},"un processus d’approbation dédié aux modifications de coordonnées bancaires ;",{"type":499,"content":1018},[1019],{"type":117,"attrs":1020,"content":1022},{"textAlign":26,"key":1021},"p-31",[1023],{"text":1024,"type":123},"la génération de fichiers de virement SEPA à partir de données pré-validées.",{"type":117,"attrs":1026,"content":1028},{"textAlign":26,"key":1027},"p-32",[1029,1030,1037],{"text":849,"type":123},{"text":1031,"type":123,"marks":1032},"comptabilisation automatisée des paiements",[1033,1036],{"type":646,"attrs":1034},{"href":1035,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.spendesk.com/fr/platform/accounting-automation/",{"type":180},{"text":1038,"type":123}," s’appuie directement sur la fiabilité de ce référentiel pour éviter les anomalies en aval.",{"type":290,"attrs":1040,"content":1041},{"level":292,"textAlign":26},[1042],{"text":1043,"type":123,"marks":1044},"Comment Spendesk accompagne la fiabilisation des paiements fournisseurs ?",[1045],{"type":180},{"type":117,"attrs":1047,"content":1049},{"textAlign":26,"key":1048},"p-33",[1050,1054,1056,1063],{"text":1051,"type":123,"marks":1052},"Spendesk",[1053],{"type":180},{"text":1055,"type":123},", en tant que plateforme de ",{"text":1057,"type":123,"marks":1058},"gestion des factures fournisseurs",[1059,1062],{"type":646,"attrs":1060},{"href":1061,"uuid":26,"anchor":26,"target":649,"linktype":102},"/fr/product/accounts-payable/",{"type":180},{"text":1064,"type":123}," et des paiements, structure ce processus de bout en bout :",{"type":496,"content":1066},[1067,1075,1083],{"type":499,"content":1068},[1069],{"type":117,"attrs":1070,"content":1072},{"textAlign":26,"key":1071},"p-34",[1073],{"text":1074,"type":123},"création fournisseur avec coordonnées vérifiées ;",{"type":499,"content":1076},[1077],{"type":117,"attrs":1078,"content":1080},{"textAlign":26,"key":1079},"p-35",[1081],{"text":1082,"type":123},"workflow d’approbation multi-étapes pour toute modification d’IBAN ;",{"type":499,"content":1084},[1085],{"type":117,"attrs":1086,"content":1088},{"textAlign":26,"key":1087},"p-36",[1089],{"text":1090,"type":123},"génération de fichiers à partir de données validées.",{"type":117,"attrs":1092,"content":1094},{"textAlign":26,"key":1093},"p-37",[1095,1097,1101,1103,1104,1105],{"text":1096,"type":123},"Spendesk est un ",{"text":1098,"type":123,"marks":1099},"établissement de paiement agréé par l’ACPR, n° 17518",[1100],{"type":180},{"text":1102,"type":123},", opérant sous le même cadre réglementaire qui impose la vérification des données du bénéficiaire.",{"type":739},{"type":739},{"text":1106,"type":123},"Alors, vous pensez que vos données fournisseurs sont prêtes pour la prochaine vérification des bénéficiaires ?",{"name":1108,"created_at":1109,"published_at":16,"updated_at":1110,"id":1111,"uuid":1112,"content":1113,"slug":1120,"full_slug":1121,"sort_by_date":26,"position":27,"tag_list":1122,"is_startpage":29,"parent_id":1123,"meta_data":26,"group_id":1124,"first_published_at":1125,"release_id":26,"lang":33,"path":26,"alternates":1126,"default_full_slug":1127,"translated_slugs":1128,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1114,"icon":1115,"name":1108,"component":1119},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1116,"alt":1117,"name":52,"focus":52,"title":52,"filename":1118,"copyright":52,"fieldtype":98,"is_external_url":29},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",[1129,1130,1131],{"path":1127,"name":26,"lang":33,"published":26},{"path":1127,"name":26,"lang":39,"published":26},{"path":1127,"name":26,"lang":41,"published":26},[33],[1134],{"_uid":1135,"asset":1136,"caption":52,"component":221},"ace26819-6228-4e11-b469-fc1e0e2d3464",{"id":1137,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1138,"copyright":52,"fieldtype":98,"meta_data":1139,"is_external_url":29},158248270548124,"https://a.storyblok.com/f/146026/1536x1024/168b93ea18/financial-due-diligence.png",{},[],"2026-06-19 00:00",[],"Le controle IBAN VoP bloque les virements SEPA mal renseignés depuis octobre 2025. Découvrez comment fiabiliser vos données fournisseurs et éviter les rejets.",[],[1146],{"cta":1147,"_uid":1148,"items":1149,"heading":1211,"reverse":29,"component":1234,"sectionSettings":1235},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[1150,1161,1171,1181,1191,1201],{"_uid":1151,"hide":29,"title":1152,"component":1153,"description":1154},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes données fournisseurs pour réduire les alertes lors de la vérification du bénéficiaire ?","faqItem",{"type":114,"content":1155},[1156],{"type":117,"attrs":1157,"content":1158},{"textAlign":26,"key":119},[1159],{"text":1160,"type":123},"Deux priorités dès maintenant : fiabiliser les dénominations légales du référentiel fournisseurs en vérifiant les données officielles, en harmonisant les formes juridiques et en validant le format de chaque IBAN, puis instaurer un circuit de double vérification pour toute modification de coordonnées bancaires. Les cinq étapes détaillées dans cet article permettent de renforcer la qualité du référentiel fournisseurs et de réduire les alertes de non-correspondance lors des prochaines campagnes de paiement.",{"_uid":1162,"hide":29,"title":1163,"component":1153,"description":1164},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":114,"content":1165},[1166],{"type":117,"attrs":1167,"content":1168},{"textAlign":26,"key":119},[1169],{"text":1170,"type":123},"Les deux chiffres situés après le code pays constituent la clé de controle iban. Ils valident mathématiquement la cohérence du numéro selon l'algorithme MOD-97 (norme ISO 13616). Un IBAN dont la clé est invalide signale une erreur de saisie ou un numéro fabriqué, avant même que le contrôle VoP ne soit déclenché par le PSP. C'est un premier filtre rapide, réalisable dans Excel ou tout logiciel de gestion.",{"_uid":1172,"hide":29,"title":1173,"component":1153,"description":1174},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":114,"content":1175},[1176],{"type":117,"attrs":1177,"content":1178},{"textAlign":26,"key":119},[1179],{"text":1180,"type":123},"Coordonnez-vous avec votre banque pour comprendre le paramétrage VoP retenu (seuils d'alerte, mode opt-in ou opt-out) et préparez simultanément vos fichiers de paiement au format ISO 20022 avec adresses structurées avant novembre 2026. Les cinq étapes détaillées dans cet article couvrent l'essentiel du projet.",{"_uid":1182,"hide":29,"title":1183,"component":1153,"description":1184},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment la vérification des données du bénéficiaire contribue-t-elle à prévenir la fraude au virement fournisseur ?",{"type":114,"content":1185},[1186],{"type":117,"attrs":1187,"content":1188},{"textAlign":26,"key":119},[1189],{"text":1190,"type":123},"La vérification compare automatiquement le nom du bénéficiaire renseigné avec les informations associées à l’IBAN. En cas de non-correspondance, le prestataire de services de paiement transmet une alerte avant la confirmation du virement. L’entreprise peut alors interrompre le processus, vérifier les coordonnées bancaires auprès du fournisseur et détecter une éventuelle tentative de fraude. Ce dispositif s’applique aux virements SEPA standards et instantanés depuis le 9 octobre 2025.",{"_uid":1192,"hide":29,"title":1193,"component":1153,"description":1194},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":114,"content":1195},[1196],{"type":117,"attrs":1197,"content":1198},{"textAlign":26,"key":119},[1199],{"text":1200,"type":123},"Auditez votre référentiel fournisseurs en comparant les dénominations avec le registre SIRENE, standardisez le format des noms légaux, validez chaque IBAN par sa clé de contrôle (2 chiffres après le code pays), et instaurez un workflow de double vérification pour tout changement de coordonnées bancaires. La durée d'un audit dépend de la taille et de la qualité initiale du référentiel : mieux vaut l'anticiper avant une campagne de paiement que le découvrir sous pression.",{"_uid":1202,"hide":29,"title":1203,"component":1153,"description":1204},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi une alerte apparaît-elle lorsque le nom du bénéficiaire ne correspond pas aux informations associées à l’IBAN ?",{"type":114,"content":1205},[1206],{"type":117,"attrs":1207,"content":1208},{"textAlign":26,"key":119},[1209],{"text":1210,"type":123},"Depuis le 9 octobre 2025, les prestataires de services de paiement de la zone euro doivent comparer le nom du bénéficiaire renseigné avec les informations associées à l’IBAN. En cas d’écart significatif, un résultat de non-correspondance est transmis avant la confirmation du virement. L’entreprise peut alors vérifier ou corriger les données du bénéficiaire avant de poursuivre le paiement. Ces alertes sont souvent liées à des différences de dénomination, de forme juridique ou de saisie, et ne signalent pas nécessairement une tentative de fraude.",[1212],{"cta":1213,"_uid":1214,"title":1215,"eyebrow":1222,"subtitle":1229,"component":290,"textAlign":52,"eyebrowPill":29,"flexibleSection":1232,"sectionSettings":1233,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":114,"content":1216},[1217],{"type":290,"attrs":1218,"content":1219},{"level":292,"textAlign":26},[1220],{"text":1221,"type":123},"Ce qu'on nous demande souvent",{"type":114,"content":1223},[1224],{"type":117,"attrs":1225,"content":1226},{"textAlign":26},[1227],{"text":1228,"type":123},"FAQ",{"type":114,"content":1230},[1231],{"type":117},[],[],"faqSection",[],"controle-iban-virement-fournisseur","fr/blog/controle-iban-virement-fournisseur",-610,[],176386517,"4dbb530f-c571-46bf-b167-d00a36df77f2","2026-06-19T05:50:53.428Z",[],"blog/controle-iban-virement-fournisseur",[1246,1247,1248],{"path":1244,"name":26,"lang":33,"published":26},{"path":1244,"name":26,"lang":39,"published":26},{"path":1244,"name":26,"lang":41,"published":26},{"header":1250,"footer":1955,"commonContent":2369,"userCentricsAndSegmentMappingTable":2548},{"name":1251,"created_at":1252,"published_at":1253,"updated_at":1254,"id":1255,"uuid":1256,"content":1257,"slug":1756,"full_slug":1942,"sort_by_date":26,"position":27,"tag_list":1943,"is_startpage":29,"parent_id":1945,"meta_data":26,"group_id":1946,"first_published_at":1947,"release_id":26,"lang":33,"path":1948,"alternates":1949,"default_full_slug":1950,"translated_slugs":1951},"Header","2022-03-03T10:18:44.837Z","2026-10-29T11:36:19.639Z","2026-10-29T11:36:19.664Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":1258,"logo":1259,"navbar":1263,"loginBtn":1755,"component":1756,"languages":1757,"logoBlack":1776,"logoWhite":1780,"topNavbar":1785,"footerLinks":1794,"socialLinks":1813,"homepageLink":1854,"getStartedBtn":1866,"announcementBanner":1881,"localeSwitcherTitle":1941},"d642d99f-3914-487e-abe1-9515eca76325",{"id":1260,"alt":1051,"name":52,"focus":52,"title":1051,"source":52,"filename":1261,"copyright":52,"fieldtype":98,"meta_data":1262,"is_external_url":29},4112223,"https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[1264,1472,1484,1497,1674],{"_uid":1265,"label":1266,"columns":1267,"component":1435,"headingNewBranding":1436},"99e54924-f77d-4501-978a-b578da0140ca","Produit",[1268,1352],{"_uid":1269,"ctas":1270,"label":1266,"component":1350,"labelColor":52,"backgroundIconColor":1351},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[1271,1287,1303,1318,1334],{"tag":52,"_uid":1272,"hide":29,"icon":1273,"link":1277,"type":52,"label":1286,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":1274,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1275,"copyright":52,"fieldtype":98,"meta_data":1276,"is_external_url":29},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":1278,"url":52,"linktype":215,"fieldtype":103,"cached_url":1279,"prep":42,"story":1280},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","/fr/platform/mcp",{"name":1281,"id":1282,"uuid":1278,"slug":1283,"url":1284,"full_slug":1285,"_stopResolving":42},"MCP",184147202165078,"mcp","platform/mcp","fr/platform/mcp","Spendesk AI Connect",{"tag":52,"_uid":1288,"icon":1289,"link":1293,"type":52,"label":1302,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":1290,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1291,"copyright":52,"fieldtype":98,"meta_data":1292,"is_external_url":29},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":1294,"url":52,"linktype":215,"fieldtype":103,"cached_url":1295,"prep":42,"story":1296},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","/fr/product/cards/",{"name":1297,"id":1298,"uuid":1294,"slug":1299,"url":1300,"full_slug":1301,"_stopResolving":42},"Cards",193401086247857,"cards","product/cards/","fr/product/cards/","Cartes de paiements",{"tag":52,"_uid":1304,"hide":29,"icon":1305,"link":1309,"type":52,"label":1313,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":1306,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1307,"copyright":52,"fieldtype":98,"meta_data":1308,"is_external_url":29},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":1310,"url":52,"linktype":215,"fieldtype":103,"cached_url":1311,"prep":42,"story":1312},"54aaf12a-503f-42e6-afbc-61919d53f941","/fr/product/procurement",{"name":1313,"id":1314,"uuid":1310,"slug":1315,"url":1316,"full_slug":1317,"_stopResolving":42},"Procurement",193401601446119,"procurement","product/procurement","fr/product/procurement",{"tag":52,"_uid":1319,"hide":29,"icon":1320,"link":1324,"type":52,"label":1333,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":1321,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1322,"copyright":52,"fieldtype":98,"meta_data":1323,"is_external_url":29},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":1325,"url":52,"linktype":215,"fieldtype":103,"cached_url":1326,"prep":42,"story":1327},"5a15816c-5303-499e-9774-f4eab6597303","/fr/product/accounts-payable",{"name":1328,"id":1329,"uuid":1325,"slug":1330,"url":1331,"full_slug":1332,"_stopResolving":42},"Accounts Payable",193400887722918,"accounts-payable","product/accounts-payable","fr/product/accounts-payable","Factures fournisseurs (PA)",{"tag":52,"_uid":1335,"icon":1336,"link":1340,"type":52,"label":1349,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":1337,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1338,"copyright":52,"fieldtype":98,"meta_data":1339,"is_external_url":29},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":1341,"url":52,"linktype":215,"fieldtype":103,"cached_url":1342,"prep":42,"story":1343},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","/fr/product/expense-management",{"name":1344,"id":1345,"uuid":1341,"slug":1346,"url":1347,"full_slug":1348,"_stopResolving":42},"Expense Management",193401429506811,"expense-management","product/expense-management","fr/product/expense-management","Notes de frais","ctasColumn","--color-accent-06",{"_uid":1353,"ctas":1354,"label":1434,"component":1350,"labelColor":52,"backgroundIconColor":1351},"c7e769a0-95c8-49e3-a177-8c7061def31b",[1355,1371,1387,1403,1419],{"tag":52,"_uid":1356,"hide":29,"icon":1357,"link":1361,"type":52,"label":1370,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":1358,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1359,"copyright":52,"fieldtype":98,"meta_data":1360,"is_external_url":29},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":1362,"url":52,"linktype":215,"fieldtype":103,"cached_url":1363,"prep":42,"story":1364},"28bb9756-1ece-4e77-95d1-14f9384a14c9","/fr/platform/spends-controls",{"name":1365,"id":1366,"uuid":1362,"slug":1367,"url":1368,"full_slug":1369,"_stopResolving":42},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls","fr/platform/spend-controls","Contrôles des dépenses",{"tag":52,"_uid":1372,"hide":29,"icon":1373,"link":1377,"type":52,"label":1386,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":1374,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1375,"copyright":52,"fieldtype":98,"meta_data":1376,"is_external_url":29},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":1378,"url":52,"linktype":215,"fieldtype":103,"cached_url":1379,"prep":42,"story":1380},"fd085d94-f53b-4b62-8db8-a7210e0836c2","/fr/platform/ai-automation",{"name":1381,"id":1382,"uuid":1378,"slug":1383,"url":1384,"full_slug":1385,"_stopResolving":42},"AI & Automation",193401551136651,"ai-automation","platform/ai-automation","fr/platform/ai-automation","IA",{"tag":52,"_uid":1388,"hide":29,"icon":1389,"link":1393,"type":52,"label":1402,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":1390,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1391,"copyright":52,"fieldtype":98,"meta_data":1392,"is_private":29,"is_external_url":29},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":1394,"url":52,"linktype":215,"fieldtype":103,"cached_url":1395,"prep":42,"story":1396},"e0594f7b-c01a-45b3-96e2-186a17439c46","/fr/integrations/",{"name":1397,"id":1398,"uuid":1394,"slug":1399,"url":1400,"full_slug":1401,"_stopResolving":42},"Integrations",129006144,"integrations","integrations/","fr/integrations/","API & intégrations ",{"tag":52,"_uid":1404,"icon":1405,"link":1409,"type":52,"label":1418,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":1406,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1407,"copyright":52,"fieldtype":98,"meta_data":1408,"is_external_url":29},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":1410,"url":52,"linktype":215,"fieldtype":103,"cached_url":1411,"prep":42,"story":1412},"3d432995-4a9f-417f-b7d9-48e760bf8646","/fr/product/multi-entity-management",{"name":1413,"id":1414,"uuid":1410,"slug":1415,"url":1416,"full_slug":1417,"_stopResolving":42},"Multi-Entity Management",193401474719366,"multi-entity-management","product/multi-entity-management","fr/product/multi-entity-management","Gestion multi-entités",{"tag":52,"_uid":1420,"icon":1421,"link":1425,"type":52,"label":1429,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":1422,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1423,"copyright":52,"fieldtype":98,"meta_data":1424,"is_external_url":29},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":1426,"url":52,"linktype":215,"fieldtype":103,"cached_url":1427,"prep":42,"story":1428},"b419cae8-61d4-4ab4-919b-71875ceab832","/fr/product/budget",{"name":1429,"id":1430,"uuid":1426,"slug":1431,"url":1432,"full_slug":1433,"_stopResolving":42},"Budget",193401384269658,"budget","product/budget","fr/product/budget"," Plateforme","dropdownMenu",[1437],{"cta":1438,"_uid":1453,"title":1454,"eyebrow":1461,"subtitle":1464,"component":290,"textAlign":52,"sectionSettings":1471,"subtitleLeftBorder":29},[1439],{"tag":52,"_uid":1440,"hide":29,"icon":1441,"link":1442,"type":52,"label":1452,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98},{"id":1443,"url":52,"linktype":215,"fieldtype":103,"cached_url":1444,"prep":42,"story":1445},"0c6c4fbe-f44e-4fe1-8340-f16097c5e857","/fr/platform/platform-releases/october-update-2026",{"name":1446,"id":1447,"uuid":1443,"slug":1448,"url":1449,"translated_name":1450,"full_slug":1451,"_stopResolving":42},"October update 2026",225204977508410,"october-update-2026","platform/platform-releases/october-update-2026","Octobre 2026 Nouveautes","fr/platform/platform-releases/octobre-2026-nouveautes","Découvrir les nouveautés","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":114,"content":1455},[1456],{"type":117,"attrs":1457,"content":1458},{"textAlign":26,"key":119},[1459],{"text":1460,"type":123},"Quoi de neuf",{"type":114,"content":1462},[1463],{"type":117},{"type":114,"content":1465},[1466],{"type":117,"attrs":1467,"content":1468},{"textAlign":26,"key":119},[1469],{"text":1470,"type":123},"Votre dernière mise à jour produit Spendesk est arrivée",[],{"tag":52,"_uid":1473,"hide":29,"icon":1474,"link":1475,"type":52,"label":1483,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"3e099d1d-7633-470a-b225-70ff55117055",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98},{"id":1476,"url":52,"linktype":215,"fieldtype":103,"cached_url":1477,"prep":42,"story":1478},"3fa6ea10-966e-4089-af4b-7e6e442aa044","/fr/pricing",{"name":1479,"id":1480,"uuid":1476,"slug":1481,"url":1481,"full_slug":1482,"_stopResolving":42},"Pricing",118542802,"pricing","fr/pricing","Tarifs",{"tag":52,"_uid":1485,"icon":1486,"link":1487,"type":52,"label":1496,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98},{"id":1488,"url":52,"linktype":215,"fieldtype":103,"cached_url":1489,"prep":42,"story":1490},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","/fr/customers/",{"name":1491,"id":1492,"uuid":1488,"slug":1493,"url":1494,"full_slug":1495,"_stopResolving":42},"Listing page",107236629,"customers","customers/","fr/customers/","Témoignages clients",{"_uid":1498,"label":1499,"columns":1500,"component":1435,"headingNewBranding":1673},"59752063-d282-4855-95bc-45cfb825ed90","Ressources",[1501,1567,1642],{"_uid":1502,"ctas":1503,"label":1565,"component":1350,"labelColor":52,"backgroundIconColor":1566},"705444cd-cbfb-417a-99c3-8481453ed293",[1504,1520,1536,1549],{"tag":52,"_uid":1505,"icon":1506,"link":1510,"type":52,"label":1519,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":1507,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1508,"copyright":52,"fieldtype":98,"meta_data":1509,"is_private":29,"is_external_url":29},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":1511,"url":52,"linktype":215,"fieldtype":103,"cached_url":1512,"prep":42,"story":1513},"f85ca87f-b289-449f-9fc4-9c760a70f55b","/fr/blog/",{"name":1514,"id":1515,"uuid":1511,"slug":1516,"url":1517,"full_slug":1518,"_stopResolving":42},"Blog homepage (listing page)",181576014,"blog","blog/","fr/blog/","Blog",{"tag":52,"_uid":1521,"hide":29,"icon":1522,"link":1526,"type":52,"label":1535,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":1523,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1524,"copyright":52,"fieldtype":98,"meta_data":1525,"is_external_url":29},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":1527,"url":52,"linktype":215,"fieldtype":103,"cached_url":1528,"prep":42,"story":1529},"06849c8d-cf20-4692-b0d3-1a26c8b49950","/fr/events/",{"name":1530,"id":1531,"uuid":1527,"slug":1532,"url":1533,"full_slug":1534,"_stopResolving":42},"Events listing page",86201135839603,"events","events/","fr/events/","Événements et webinaires",{"tag":52,"_uid":1537,"hide":29,"icon":1538,"link":1542,"type":52,"label":1228,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":1539,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1540,"copyright":52,"fieldtype":98,"meta_data":1541,"is_external_url":29},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":1543,"url":52,"linktype":215,"fieldtype":103,"cached_url":1544,"prep":42,"story":1545},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","/fr/faq",{"name":1228,"id":1546,"uuid":1543,"slug":1547,"url":1547,"full_slug":1548,"_stopResolving":42},126231937,"faq","fr/faq",{"tag":52,"_uid":1550,"hide":29,"icon":1551,"link":1555,"type":52,"label":1564,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":1552,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1553,"copyright":52,"fieldtype":98,"meta_data":1554,"is_external_url":29},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":1556,"url":52,"linktype":215,"fieldtype":103,"cached_url":1557,"prep":42,"story":1558},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","/fr/glossary/",{"name":1559,"id":1560,"uuid":1556,"slug":1561,"url":1562,"full_slug":1563,"_stopResolving":42},"Glossary",127190994,"glossary","glossary/","fr/glossaire/","Glossaire","Contenus","--color-accent-05",{"_uid":1568,"ctas":1569,"label":1641,"component":1350,"labelColor":52,"backgroundIconColor":1566},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[1570,1582,1597,1613,1629],{"tag":52,"_uid":1571,"hide":29,"icon":1572,"link":1574,"type":52,"label":1578,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":1374,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1375,"copyright":52,"fieldtype":98,"meta_data":1573,"is_external_url":29},{},{"id":1575,"url":52,"linktype":215,"fieldtype":103,"cached_url":1576,"prep":42,"story":1577},"9425912b-288d-48f1-a7c7-6247f58ed8ed","/fr/ai",{"name":1578,"id":1579,"uuid":1575,"slug":1580,"url":1580,"full_slug":1581,"_stopResolving":42},"AI Hub",114865617041697,"ai","fr/ai",{"tag":52,"_uid":1583,"icon":1584,"link":1588,"type":52,"label":1596,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":1585,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1586,"copyright":52,"fieldtype":98,"meta_data":1587,"is_external_url":29},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":1589,"url":52,"linktype":215,"fieldtype":103,"cached_url":1590,"prep":42,"story":1591},"b116361a-f2a4-40f7-a021-4b9b64edade9","/fr/finance-resources",{"name":1592,"id":1593,"uuid":1589,"slug":1594,"url":1594,"full_slug":1595,"_stopResolving":42},"Finance resources",363638378,"finance-resources","fr/documentation-gestion","Contenu premium",{"tag":52,"_uid":1598,"hide":29,"icon":1599,"link":1603,"type":52,"label":1612,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":1600,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1601,"copyright":52,"fieldtype":98,"meta_data":1602,"is_external_url":29},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":1604,"url":52,"linktype":215,"fieldtype":103,"cached_url":1605,"prep":42,"story":1606},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","/fr/tools/cfo-tech-stack-map",{"name":1607,"id":1608,"uuid":1604,"slug":1609,"url":1610,"full_slug":1611,"_stopResolving":42},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map","tools/cfo-tech-stack-map","fr/tools/cfo-tech-stack-map","Cartographie des outils de la DAF",{"tag":52,"_uid":1614,"hide":29,"icon":1615,"link":1619,"type":52,"label":1628,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":1616,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1617,"copyright":52,"fieldtype":98,"meta_data":1618,"is_external_url":29},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1620,"url":52,"linktype":215,"fieldtype":103,"cached_url":1621,"prep":42,"story":1622},"ab956bec-b6b4-434a-b4aa-b772873f9577","/fr/tools/spend-management-calculator",{"name":1623,"id":1624,"uuid":1620,"slug":1625,"url":1626,"full_slug":1627,"_stopResolving":42},"ROI calculator",159362364,"spend-management-calculator","tools/spend-management-calculator","fr/tools/spend-management-calculator","Calculateur d'économies",{"tag":52,"_uid":1630,"icon":1631,"link":1633,"type":52,"label":1640,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"hide":42},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":1321,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1322,"copyright":52,"fieldtype":98,"meta_data":1632,"is_external_url":29},{},{"id":1634,"url":52,"linktype":215,"fieldtype":103,"cached_url":1635,"prep":42,"story":1636},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","/fr/tools/hmrc-mileage-calculator",{"name":1637,"id":1638,"uuid":1634,"slug":1637,"url":1639,"full_slug":1639,"_stopResolving":42},"hmrc-mileage-calculator",590567568,"tools/hmrc-mileage-calculator","HMRC Mileage Calculator","Ressources et outils",{"_uid":1643,"ctas":1644,"label":1672,"component":1350,"backgroundIconColor":1566},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1645,1654,1663],{"tag":52,"_uid":1646,"icon":1647,"link":1651,"type":52,"label":1653,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1648,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1649,"copyright":52,"fieldtype":98,"meta_data":1650,"is_external_url":29},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":52,"url":1652,"linktype":102,"fieldtype":103,"cached_url":1652},"https://www.cfoconnect.eu/fr/","Rejoindre CFO Connect",{"tag":52,"_uid":1655,"icon":1656,"link":1660,"type":52,"label":1662,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1657,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1658,"copyright":52,"fieldtype":98,"meta_data":1659,"is_external_url":29},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":52,"url":1661,"linktype":102,"cached_url":1661},"https://www.cfoconnect.eu/fr/events/","Événements CFO Connect",{"tag":52,"_uid":1664,"icon":1665,"link":1669,"type":52,"label":1671,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1666,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1667,"copyright":52,"fieldtype":98,"meta_data":1668,"is_private":29,"is_external_url":29},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":52,"url":1670,"linktype":102,"cached_url":1670},"https://www.cfoconnect.eu/fr/resources/faces-of-finance/","Faces of Finance","Communauté",[],{"_uid":1675,"label":1676,"columns":1677,"component":1435,"headingNewBranding":1754},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Entreprise",[1678,1719],{"_uid":1679,"ctas":1680,"label":1676,"component":1350,"labelColor":52,"backgroundIconColor":1351},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[1681,1694,1703],{"tag":52,"_uid":1682,"hide":29,"icon":1683,"link":1685,"type":52,"label":1693,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":1406,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1407,"copyright":52,"fieldtype":98,"meta_data":1684,"is_private":29,"is_external_url":29},{},{"id":1686,"url":52,"linktype":215,"fieldtype":103,"cached_url":1687,"prep":42,"story":1688},"e44ca227-8de9-44c9-93ac-9229f1e769ba","/fr/about",{"name":1689,"id":1690,"uuid":1686,"slug":1691,"url":1691,"full_slug":1692,"_stopResolving":42},"Our story",126213445,"about","fr/about","À propos de Spendesk",{"tag":52,"_uid":1695,"hide":29,"icon":1696,"link":1700,"type":52,"label":1702,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":1697,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1698,"copyright":52,"fieldtype":98,"meta_data":1699,"is_external_url":29},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":52,"url":1701,"linktype":102,"fieldtype":103,"cached_url":1701},"https://career.spendesk.com/fr/","Carrières",{"tag":52,"_uid":1704,"hide":29,"icon":1705,"link":1709,"type":52,"label":1718,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":1706,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1707,"copyright":52,"fieldtype":98,"meta_data":1708,"is_external_url":29},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":1710,"url":52,"linktype":215,"fieldtype":103,"cached_url":1711,"prep":42,"story":1712},"f09d7678-b42b-4c68-b4a5-3d26d457355c","/fr/press/",{"name":1713,"id":1714,"uuid":1710,"slug":1715,"url":1716,"full_slug":1717,"_stopResolving":42},"Spendesk Press",265014512,"press","press/","fr/press/","Presse",{"_uid":1720,"ctas":1721,"label":1753,"component":1350,"labelColor":52,"backgroundIconColor":1351},"59a11592-e6cb-405d-8208-9e3c365ac046",[1722,1738],{"tag":52,"_uid":1723,"hide":29,"icon":1724,"link":1728,"type":52,"label":1737,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":1725,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1726,"copyright":52,"fieldtype":98,"meta_data":1727,"is_private":29,"is_external_url":29},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":1729,"url":52,"linktype":215,"fieldtype":103,"cached_url":1730,"prep":42,"story":1731},"256bc156-b5de-4af2-a9d9-17e2f24d8448","/fr/partners/",{"name":1732,"id":1733,"uuid":1729,"slug":1734,"url":1735,"full_slug":1736,"_stopResolving":42},"Partners",113802294,"partners","partners/","fr/partners/","Partenaires",{"tag":52,"_uid":1739,"hide":29,"icon":1740,"link":1744,"type":52,"label":1752,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":1741,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1742,"copyright":52,"fieldtype":98,"meta_data":1743,"is_private":29,"is_external_url":29},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":1745,"url":52,"linktype":215,"fieldtype":103,"cached_url":1746,"prep":42,"story":1747},"07eb4f4d-6829-4200-a43a-40fe668dbd09","/fr/contact-us",{"name":1748,"id":1749,"uuid":1745,"slug":1750,"url":1750,"full_slug":1751,"_stopResolving":42},"Contact us",126275406,"contact-us","fr/contact-us","Nous contacter"," ",[],"Se connecter","header",[1758,1763,1768,1772],{"_uid":1759,"code":39,"name":1760,"component":1761,"shortName":1762},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":1764,"code":1765,"name":1766,"component":1761,"shortName":1767},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":1769,"code":41,"name":1770,"component":1761,"shortName":1771},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":1773,"code":33,"name":1774,"component":1761,"shortName":1775},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":1777,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1778,"copyright":52,"fieldtype":98,"meta_data":1779,"is_external_url":29},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":1781,"alt":1051,"name":52,"focus":52,"title":1782,"source":52,"filename":1783,"copyright":52,"fieldtype":98,"meta_data":1784,"is_external_url":29},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[1786],{"tag":52,"_uid":1787,"hide":29,"icon":1788,"link":1790,"type":52,"label":1792,"style":104,"component":105,"onClickEvent":1793,"openInANewTab":42,"horizontalFill":29},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":1789},{},{"id":52,"url":1791,"linktype":102,"fieldtype":103,"cached_url":1791},"https://helpcenter.spendesk.com/fr/","Centre d'aide","website:navbar:helpcenter_cta:clicked",[1795,1800],{"tag":52,"_uid":1796,"hide":29,"icon":1797,"link":1799,"type":52,"label":1792,"style":104,"component":105,"onClickEvent":1793,"openInANewTab":42,"horizontalFill":29},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":1798},{},{"id":52,"url":1791,"linktype":102,"fieldtype":103,"cached_url":1791},{"tag":52,"_uid":1801,"hide":29,"icon":1802,"link":1804,"type":52,"label":1812,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98,"meta_data":1803,"is_external_url":29},{},{"id":1805,"url":52,"linktype":215,"fieldtype":103,"cached_url":1806,"prep":42,"story":1807},"0fcd9d53-6332-4709-aeeb-2e72863eb107","/fr/spendesk-security",{"name":1808,"id":1809,"uuid":1805,"slug":1810,"url":1810,"full_slug":1811,"_stopResolving":42},"Security",126230553,"spendesk-security","fr/spendesk-security","Sécurité & confidentialité",[1814,1822,1830,1838,1846],{"tag":52,"_uid":1815,"icon":1816,"link":1820,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":1817,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1818,"copyright":52,"fieldtype":98,"meta_data":1819,"is_external_url":29},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":52,"url":1821,"linktype":102,"fieldtype":103,"cached_url":1821},"https://www.facebook.com/spendesk/",{"tag":52,"_uid":1823,"icon":1824,"link":1828,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":1825,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1826,"copyright":52,"fieldtype":98,"meta_data":1827,"is_private":29,"is_external_url":29},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":52,"url":1829,"linktype":102,"fieldtype":103,"cached_url":1829},"https://www.instagram.com/spendesk",{"tag":52,"_uid":1831,"icon":1832,"link":1836,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":1833,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1834,"copyright":52,"fieldtype":98,"meta_data":1835,"is_private":29,"is_external_url":29},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":52,"url":1837,"linktype":102,"fieldtype":103,"cached_url":1837},"https://www.linkedin.com/company/spendesk/",{"tag":52,"_uid":1839,"icon":1840,"link":1844,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":1841,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1842,"copyright":52,"fieldtype":98,"meta_data":1843,"is_private":29,"is_external_url":29},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":52,"url":1845,"linktype":102,"fieldtype":103,"cached_url":1845},"https://x.com/Spendesk",{"tag":52,"_uid":1847,"hide":29,"icon":1848,"link":1852,"type":52,"label":52,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":42,"horizontalFill":29},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":1849,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1850,"copyright":52,"fieldtype":98,"meta_data":1851,"is_private":29,"is_external_url":29},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":52,"url":1853,"linktype":102,"fieldtype":103,"cached_url":1853},"https://www.youtube.com/c/spendesk",[1855],{"tag":52,"_uid":1856,"hide":29,"icon":1857,"link":1858,"type":52,"label":52,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98},{"id":1859,"url":52,"linktype":215,"fieldtype":103,"cached_url":1860,"prep":42,"story":1861},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","/fr/home",{"name":1862,"id":1863,"uuid":1859,"slug":1864,"url":1864,"full_slug":1865,"_stopResolving":42},"Homepage",106735746,"home","fr/home",[1867],{"tag":52,"_uid":1868,"hide":29,"icon":1869,"link":1870,"type":52,"label":1879,"style":104,"component":105,"onClickEvent":1880,"openInANewTab":29,"horizontalFill":29},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":1871,"url":52,"anchor":52,"linktype":215,"fieldtype":103,"cached_url":1872,"prep":42,"story":1873},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/fr/schedule-a-demo/",{"name":1874,"id":1875,"uuid":1871,"slug":1876,"url":1877,"full_slug":1878,"_stopResolving":42},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","fr/schedule-a-demo/","Réservez une démo","website:navbar:book_a_demo_cta:clicked",[1882],{"_uid":1883,"hide":29,"style":1884,"content":1885,"display":1916,"component":1917,"hideOnMobile":29,"mobileContent":1918},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":114,"attrs":1886,"content":1887},{"backgroundColor":26},[1888],{"type":117,"attrs":1889,"content":1890},{"textAlign":26,"key":119},[1891,1899,1901,1906,1908],{"text":1892,"type":123,"marks":1893},"Spendesk AI: ",[1894,1898],{"type":1895,"attrs":1896},"textStyle",{"color":1897},"#1F1F1F",{"type":180},{"text":1900,"type":123},"L’IA gère le répétitif. Vous gardez la main",{"text":1902,"type":123,"marks":1903},". ",[1904],{"type":1895,"attrs":1905},{"color":1897},{"text":1907,"type":123},"👉 ",{"text":1909,"type":123,"marks":1910},"En savoir plus",[1911,1915],{"type":646,"attrs":1912},{"href":1379,"uuid":1378,"anchor":26,"target":1913,"linktype":215,"story":1914},"_self",{"name":1381,"id":1382,"uuid":1378,"slug":1383,"url":1384,"full_slug":1385,"_stopResolving":42},{"type":180},"Whole website","announcementBanner",{"type":114,"attrs":1919,"content":1920},{"backgroundColor":26},[1921],{"type":117,"attrs":1922,"content":1923},{"textAlign":26,"key":119},[1924,1929,1930,1934,1935],{"text":1892,"type":123,"marks":1925},[1926,1928],{"type":1895,"attrs":1927},{"color":1897},{"type":180},{"text":1900,"type":123},{"text":1902,"type":123,"marks":1931},[1932],{"type":1895,"attrs":1933},{"color":1897},{"text":1907,"type":123},{"text":1909,"type":123,"marks":1936},[1937,1940],{"type":646,"attrs":1938},{"href":1379,"uuid":1378,"anchor":26,"target":1913,"linktype":215,"story":1939},{"name":1381,"id":1382,"uuid":1378,"slug":1383,"url":1384,"full_slug":1385,"_stopResolving":42},{"type":180},"Sélectionnez votre langue","fr/global-components/header",[1944],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],"global-components/header",[1952,1953,1954],{"path":1950,"name":26,"lang":33,"published":26},{"path":1950,"name":26,"lang":39,"published":26},{"path":1950,"name":26,"lang":41,"published":26},{"name":1956,"created_at":1957,"published_at":1958,"updated_at":1959,"id":1960,"uuid":1961,"content":1962,"slug":2176,"full_slug":2358,"sort_by_date":26,"position":2359,"tag_list":2360,"is_startpage":29,"parent_id":1945,"meta_data":26,"group_id":2361,"first_published_at":2362,"release_id":26,"lang":33,"path":1517,"alternates":2363,"default_full_slug":2364,"translated_slugs":2365},"Footer","2022-03-03T10:27:46.390Z","2026-11-05T16:18:15.983Z","2026-11-05T16:18:16.023Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":1963,"lists":1964,"component":2176,"logoLinks":2177,"legalLinks":2194,"socialLinks":2252,"newsletterForm":2278,"complianceLogos":2317,"newsletterTitle":2326,"smallDescription":2327,"newsletterSubtitle":2333,"legalDescriptionText":2334},"68acc184-683a-412b-863a-297708c3cffb",[1965,1999,2054,2144],{"_uid":1966,"ctas":1967,"label":1266,"component":1350,"labelColor":52,"backgroundIconColor":52},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[1968,1975,1981,1987,1993],{"tag":52,"_uid":1969,"hide":29,"icon":1970,"link":1972,"type":52,"label":1974,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"d7c91b3c-6e8c-4210-82fb-50a835efded0",{"id":1274,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1275,"copyright":52,"fieldtype":98,"meta_data":1971,"is_external_url":29},{},{"id":1278,"url":52,"linktype":215,"fieldtype":103,"cached_url":1279,"prep":42,"story":1973},{"name":1281,"id":1282,"uuid":1278,"slug":1283,"url":1284,"full_slug":1285,"_stopResolving":42},"Spendesk AI connect",{"tag":52,"_uid":1976,"icon":1977,"link":1979,"type":52,"label":1302,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"8fe65f6f-350a-43a6-bd1e-c689ca139c00",{"id":1290,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1291,"copyright":52,"fieldtype":98,"meta_data":1978,"is_external_url":29},{},{"id":1294,"url":52,"linktype":215,"fieldtype":103,"cached_url":1295,"prep":42,"story":1980},{"name":1297,"id":1298,"uuid":1294,"slug":1299,"url":1300,"full_slug":1301,"_stopResolving":42},{"tag":52,"_uid":1982,"hide":29,"icon":1983,"link":1985,"type":52,"label":1313,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"49e8fc3a-b545-40f3-89b6-fef1979dfcfc",{"id":1306,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1307,"copyright":52,"fieldtype":98,"meta_data":1984,"is_external_url":29},{},{"id":1310,"url":52,"linktype":215,"fieldtype":103,"cached_url":1311,"prep":42,"story":1986},{"name":1313,"id":1314,"uuid":1310,"slug":1315,"url":1316,"full_slug":1317,"_stopResolving":42},{"tag":52,"_uid":1988,"hide":29,"icon":1989,"link":1991,"type":52,"label":1333,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"9069228c-b61f-4f8b-a7f3-7327b46712f7",{"id":1321,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1322,"copyright":52,"fieldtype":98,"meta_data":1990,"is_external_url":29},{},{"id":1325,"url":52,"linktype":215,"fieldtype":103,"cached_url":1326,"prep":42,"story":1992},{"name":1328,"id":1329,"uuid":1325,"slug":1330,"url":1331,"full_slug":1332,"_stopResolving":42},{"tag":52,"_uid":1994,"icon":1995,"link":1997,"type":52,"label":1349,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"ee715f69-a1cc-4154-b8ba-f55ca358e584",{"id":1337,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1338,"copyright":52,"fieldtype":98,"meta_data":1996,"is_external_url":29},{},{"id":1341,"url":52,"linktype":215,"fieldtype":103,"cached_url":1342,"prep":42,"story":1998},{"name":1344,"id":1345,"uuid":1341,"slug":1346,"url":1347,"full_slug":1348,"_stopResolving":42},{"_uid":2000,"ctas":2001,"label":2053,"component":1350,"labelColor":52,"backgroundIconColor":52},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[2002,2008,2015,2021,2027,2033,2039,2046],{"tag":52,"_uid":2003,"hide":29,"icon":2004,"link":2006,"type":52,"label":1370,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"c9bdfffe-0a2e-45a2-bdf1-a3e5f4f2b389",{"id":1358,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1359,"copyright":52,"fieldtype":98,"meta_data":2005,"is_external_url":29},{},{"id":1362,"url":52,"linktype":215,"fieldtype":103,"cached_url":1363,"prep":42,"story":2007},{"name":1365,"id":1366,"uuid":1362,"slug":1367,"url":1368,"full_slug":1369,"_stopResolving":42},{"tag":52,"_uid":2009,"hide":29,"icon":2010,"link":2012,"type":52,"label":2014,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"b19cf668-817c-4adc-b839-8635ff2f977e",{"id":1374,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1375,"copyright":52,"fieldtype":98,"meta_data":2011,"is_external_url":29},{},{"id":1378,"url":52,"linktype":215,"fieldtype":103,"cached_url":1379,"prep":42,"story":2013},{"name":1381,"id":1382,"uuid":1378,"slug":1383,"url":1384,"full_slug":1385,"_stopResolving":42},"Intelligence Artificielle",{"tag":52,"_uid":2016,"hide":29,"icon":2017,"link":2019,"type":52,"label":1402,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"49c8595b-725e-49b7-9375-09b3a5cecbbd",{"id":1390,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1391,"copyright":52,"fieldtype":98,"meta_data":2018,"is_private":29,"is_external_url":29},{},{"id":1394,"url":52,"linktype":215,"fieldtype":103,"cached_url":1395,"prep":42,"story":2020},{"name":1397,"id":1398,"uuid":1394,"slug":1399,"url":1400,"full_slug":1401,"_stopResolving":42},{"tag":52,"_uid":2022,"icon":2023,"link":2025,"type":52,"label":1418,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"977a634d-082c-4387-8112-d3cfc025cc21",{"id":1406,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1407,"copyright":52,"fieldtype":98,"meta_data":2024,"is_external_url":29},{},{"id":1410,"url":52,"linktype":215,"fieldtype":103,"cached_url":1411,"prep":42,"story":2026},{"name":1413,"id":1414,"uuid":1410,"slug":1415,"url":1416,"full_slug":1417,"_stopResolving":42},{"tag":52,"_uid":2028,"icon":2029,"link":2031,"type":52,"label":1429,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"75918215-79bd-4d1e-8d6a-0f934a37adaa",{"id":1422,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1423,"copyright":52,"fieldtype":98,"meta_data":2030,"is_external_url":29},{},{"id":1426,"url":52,"linktype":215,"fieldtype":103,"cached_url":1427,"prep":42,"story":2032},{"name":1429,"id":1430,"uuid":1426,"slug":1431,"url":1432,"full_slug":1433,"_stopResolving":42},{"tag":52,"_uid":2034,"hide":29,"icon":2035,"link":2037,"type":52,"label":1483,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2036},{},{"id":1476,"url":52,"linktype":215,"fieldtype":103,"cached_url":1477,"prep":42,"story":2038},{"name":1479,"id":1480,"uuid":1476,"slug":1481,"url":1481,"full_slug":1482,"_stopResolving":42},{"tag":52,"_uid":2040,"hide":29,"icon":2041,"link":2043,"type":52,"label":2045,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2042},{},{"id":1805,"url":52,"linktype":215,"fieldtype":103,"cached_url":1806,"prep":42,"story":2044},{"name":1808,"id":1809,"uuid":1805,"slug":1810,"url":1810,"full_slug":1811,"_stopResolving":42},"Sécurité",{"tag":52,"_uid":2047,"hide":29,"icon":2048,"link":2050,"type":52,"label":2052,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2049},{},{"id":52,"url":2051,"linktype":102,"fieldtype":103,"cached_url":2051},"https://trust.spendesk.com/","Centre de confiance","Plateforme",{"_uid":2055,"ctas":2056,"label":1499,"component":1350,"backgroundIconColor":52},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[2057,2063,2068,2081,2087,2094,2100,2106,2113,2119,2125,2131,2138],{"tag":52,"_uid":2058,"hide":29,"icon":2059,"link":2061,"type":52,"label":1496,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2060},{},{"id":1488,"url":52,"linktype":215,"fieldtype":103,"cached_url":1489,"prep":42,"story":2062},{"name":1491,"id":1492,"uuid":1488,"slug":1493,"url":1494,"full_slug":1495,"_stopResolving":42},{"tag":52,"_uid":2064,"icon":2065,"link":2066,"type":52,"label":1519,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98},{"id":1511,"url":52,"linktype":215,"fieldtype":103,"cached_url":1512,"prep":42,"story":2067},{"name":1514,"id":1515,"uuid":1511,"slug":1516,"url":1517,"full_slug":1518,"_stopResolving":42},{"tag":52,"_uid":2069,"icon":2070,"link":2071,"type":52,"label":2080,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"0c3791b7-d195-40e4-b4ef-3e23020f2fbd",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98},{"id":2072,"url":52,"linktype":215,"fieldtype":103,"cached_url":2073,"prep":42,"story":2074},"00374c17-63ac-466f-a8fc-8e1c49811e67","/fr/blog/all-articles",{"name":2075,"id":2076,"uuid":2072,"slug":2077,"url":2078,"full_slug":2079,"_stopResolving":42},"All articles",238103281021871,"all-articles","blog/all-articles","fr/blog/all-articles","Tous les articles",{"tag":52,"_uid":2082,"hide":29,"icon":2083,"link":2085,"type":52,"label":1535,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"82afa5ce-ceec-4f5f-8fa9-3f3c3f2ffee6",{"id":1523,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1524,"copyright":52,"fieldtype":98,"meta_data":2084,"is_external_url":29},{},{"id":1527,"url":52,"linktype":215,"fieldtype":103,"cached_url":1528,"prep":42,"story":2086},{"name":1530,"id":1531,"uuid":1527,"slug":1532,"url":1533,"full_slug":1534,"_stopResolving":42},{"tag":52,"_uid":2088,"hide":29,"icon":2089,"link":2091,"type":52,"label":2093,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2090},{},{"id":1543,"url":52,"linktype":215,"fieldtype":103,"cached_url":1544,"prep":42,"story":2092},{"name":1228,"id":1546,"uuid":1543,"slug":1547,"url":1547,"full_slug":1548,"_stopResolving":42},"FAQs",{"tag":52,"_uid":2095,"hide":29,"icon":2096,"link":2098,"type":52,"label":1564,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2097},{},{"id":1556,"url":52,"linktype":215,"fieldtype":103,"cached_url":1557,"prep":42,"story":2099},{"name":1559,"id":1560,"uuid":1556,"slug":1561,"url":1562,"full_slug":1563,"_stopResolving":42},{"tag":52,"_uid":2101,"hide":29,"icon":2102,"link":2104,"type":52,"label":1578,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"c6d3959b-8fdc-4fe9-a7f3-52f49ecbe443",{"id":1374,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1375,"copyright":52,"fieldtype":98,"meta_data":2103,"is_external_url":29},{},{"id":1575,"url":52,"linktype":215,"fieldtype":103,"cached_url":1576,"prep":42,"story":2105},{"name":1578,"id":1579,"uuid":1575,"slug":1580,"url":1580,"full_slug":1581,"_stopResolving":42},{"tag":52,"_uid":2107,"hide":29,"icon":2108,"link":2110,"type":52,"label":2112,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2109},{},{"id":1589,"url":52,"linktype":215,"fieldtype":103,"cached_url":1590,"prep":42,"story":2111},{"name":1592,"id":1593,"uuid":1589,"slug":1594,"url":1594,"full_slug":1595,"_stopResolving":42},"Contenus premium",{"tag":52,"_uid":2114,"hide":29,"icon":2115,"link":2117,"type":52,"label":1628,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2116},{},{"id":1620,"url":52,"linktype":215,"fieldtype":103,"cached_url":1621,"prep":42,"story":2118},{"name":1623,"id":1624,"uuid":1620,"slug":1625,"url":1626,"full_slug":1627,"_stopResolving":42},{"tag":52,"_uid":2120,"hide":29,"icon":2121,"link":2123,"type":52,"label":1628,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"34303990-7e9e-493a-b31b-0dec6d2c9350",{"id":1616,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1617,"copyright":52,"fieldtype":98,"meta_data":2122,"is_external_url":29},{},{"id":1620,"url":52,"linktype":215,"fieldtype":103,"cached_url":1621,"prep":42,"story":2124},{"name":1623,"id":1624,"uuid":1620,"slug":1625,"url":1626,"full_slug":1627,"_stopResolving":42},{"tag":52,"_uid":2126,"icon":2127,"link":2129,"type":52,"label":1628,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"hide":42},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":1321,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1322,"copyright":52,"fieldtype":98,"meta_data":2128,"is_external_url":29},{},{"id":1634,"url":52,"linktype":215,"fieldtype":103,"cached_url":1635,"prep":42,"story":2130},{"name":1637,"id":1638,"uuid":1634,"slug":1637,"url":1639,"full_slug":1639,"_stopResolving":42},{"tag":52,"_uid":2132,"hide":29,"icon":2133,"link":2135,"type":52,"label":2137,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42,"horizontalFill":29},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2134},{},{"id":52,"url":2136,"linktype":102,"fieldtype":103,"cached_url":2136},"https://www.cfoconnect.eu/","CFO Connect",{"tag":52,"_uid":2139,"hide":29,"icon":2140,"link":2142,"type":52,"label":1792,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2141},{},{"id":52,"url":2143,"linktype":102,"fieldtype":103,"cached_url":2143},"https://helpcenter.spendesk.com/fr",{"_uid":2145,"ctas":2146,"label":1676,"component":1350,"backgroundIconColor":52},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[2147,2153,2158,2164,2170],{"tag":52,"_uid":2148,"hide":29,"icon":2149,"link":2151,"type":52,"label":1693,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"3bbaa99b-a011-4bb0-b8a4-4155a0f67899",{"id":1406,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1407,"copyright":52,"fieldtype":98,"meta_data":2150,"is_private":29,"is_external_url":29},{},{"id":1686,"url":52,"linktype":215,"fieldtype":103,"cached_url":1687,"prep":42,"story":2152},{"name":1689,"id":1690,"uuid":1686,"slug":1691,"url":1691,"full_slug":1692,"_stopResolving":42},{"tag":52,"_uid":2154,"hide":29,"icon":2155,"link":2157,"type":52,"label":1702,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"fa32c6df-1ed1-4b6f-9521-f251c5d79dd4",{"id":1697,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1698,"copyright":52,"fieldtype":98,"meta_data":2156,"is_external_url":29},{},{"id":52,"url":1701,"linktype":102,"fieldtype":103,"cached_url":1701},{"tag":52,"_uid":2159,"hide":29,"icon":2160,"link":2162,"type":52,"label":1718,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"b6549fad-eb8f-4dba-a791-37ba72450943",{"id":1706,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1707,"copyright":52,"fieldtype":98,"meta_data":2161,"is_external_url":29},{},{"id":1710,"url":52,"linktype":215,"fieldtype":103,"cached_url":1711,"prep":42,"story":2163},{"name":1713,"id":1714,"uuid":1710,"slug":1715,"url":1716,"full_slug":1717,"_stopResolving":42},{"tag":52,"_uid":2165,"hide":29,"icon":2166,"link":2168,"type":52,"label":1737,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"6eed8aa0-be5f-4b19-b267-de46368f3dcd",{"id":1725,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1726,"copyright":52,"fieldtype":98,"meta_data":2167,"is_private":29,"is_external_url":29},{},{"id":1729,"url":52,"linktype":215,"fieldtype":103,"cached_url":1730,"prep":42,"story":2169},{"name":1732,"id":1733,"uuid":1729,"slug":1734,"url":1735,"full_slug":1736,"_stopResolving":42},{"tag":52,"_uid":2171,"hide":29,"icon":2172,"link":2174,"type":52,"label":1752,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"58e6df6a-1e1d-4c37-b4eb-6e8911fcc58e",{"id":1741,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1742,"copyright":52,"fieldtype":98,"meta_data":2173,"is_private":29,"is_external_url":29},{},{"id":1745,"url":52,"linktype":215,"fieldtype":103,"cached_url":1746,"prep":42,"story":2175},{"name":1748,"id":1749,"uuid":1745,"slug":1750,"url":1750,"full_slug":1751,"_stopResolving":42},"footer",[2178,2186],{"tag":52,"_uid":2179,"hide":29,"icon":2180,"link":2184,"type":52,"label":52,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"225df49b-7d21-46c3-986a-89b609d15540",{"id":2181,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2182,"copyright":52,"fieldtype":98,"meta_data":2183,"is_external_url":29},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":52,"url":2185,"linktype":102,"fieldtype":103,"cached_url":2185},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":52,"_uid":2187,"hide":29,"icon":2188,"link":2192,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":2189,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2190,"copyright":52,"fieldtype":98,"meta_data":2191,"is_external_url":29},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":52,"url":2193,"linktype":102,"fieldtype":103,"cached_url":2193},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[2195,2201,2214,2227,2240,2246],{"tag":52,"_uid":2196,"icon":2197,"link":2198,"type":52,"label":2200,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":1859,"url":52,"linktype":215,"fieldtype":103,"cached_url":1860,"prep":42,"story":2199},{"name":1862,"id":1863,"uuid":1859,"slug":1864,"url":1864,"full_slug":1865,"_stopResolving":42},"© Spendesk",{"tag":52,"_uid":2202,"icon":2203,"link":2204,"type":52,"label":2213,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":2205,"url":52,"linktype":215,"fieldtype":103,"cached_url":2206,"prep":42,"story":2207},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","/fr/legals/terms",{"name":2208,"id":2209,"uuid":2205,"slug":2210,"url":2211,"full_slug":2212,"_stopResolving":42},"T&C index page",126275944,"terms","legals/terms/","fr/legals/terms/","C.G.U.",{"tag":52,"_uid":2215,"icon":2216,"link":2217,"type":52,"label":2226,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":2218,"url":52,"linktype":215,"fieldtype":103,"cached_url":2219,"prep":42,"story":2220},"79cf9763-fbf7-44fc-b713-7375d45cc602","/fr/legals/privacy",{"name":2221,"id":2222,"uuid":2218,"slug":2223,"url":2224,"full_slug":2225,"_stopResolving":42},"Privacy Policy",126276104,"privacy","legals/privacy","fr/legals/privacy","Politique Données Personnelles",{"tag":52,"_uid":2228,"icon":2229,"link":2230,"type":52,"label":2239,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":2231,"url":52,"linktype":215,"fieldtype":103,"cached_url":2232,"prep":42,"story":2233},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","/fr/legals/cookies-policy",{"name":2234,"id":2235,"uuid":2231,"slug":2236,"url":2237,"full_slug":2238,"_stopResolving":42},"Cookies Policy",156606099,"cookies-policy","legals/cookies-policy","fr/legals/cookies-policy","Politique Cookies",{"tag":52,"_uid":2241,"icon":2242,"link":2243,"type":52,"label":2245,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":52,"url":2244,"linktype":102,"fieldtype":103,"cached_url":2244},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Mentions légales",{"tag":52,"_uid":2247,"hide":29,"icon":2248,"link":2249,"type":52,"label":2251,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":52,"url":2250,"linktype":102,"fieldtype":103,"cached_url":2250},"openConsentManager.action","Paramètres Cookies",[2253,2258,2263,2268,2273],{"tag":52,"_uid":2254,"icon":2255,"link":2257,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":1817,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1818,"copyright":52,"fieldtype":98,"meta_data":2256,"is_external_url":29},{},{"id":52,"url":1821,"linktype":102,"fieldtype":103,"cached_url":1821},{"tag":52,"_uid":2259,"icon":2260,"link":2262,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":1825,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1826,"copyright":52,"fieldtype":98,"meta_data":2261,"is_private":29,"is_external_url":29},{},{"id":52,"url":1829,"linktype":102,"fieldtype":103,"cached_url":1829},{"tag":52,"_uid":2264,"icon":2265,"link":2267,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":1833,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1834,"copyright":52,"fieldtype":98,"meta_data":2266,"is_private":29,"is_external_url":29},{},{"id":52,"url":1837,"linktype":102,"fieldtype":103,"cached_url":1837},{"tag":52,"_uid":2269,"icon":2270,"link":2272,"type":52,"label":52,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":1841,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1842,"copyright":52,"fieldtype":98,"meta_data":2271,"is_private":29,"is_external_url":29},{},{"id":52,"url":1845,"linktype":102,"fieldtype":103,"cached_url":1845},{"tag":52,"_uid":2274,"hide":29,"icon":2275,"link":2277,"type":52,"label":52,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":42,"horizontalFill":29},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":1849,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1850,"copyright":52,"fieldtype":98,"meta_data":2276,"is_private":29,"is_external_url":29},{},{"id":52,"url":1853,"linktype":102,"fieldtype":103,"cached_url":1853},[2279],{"_uid":2280,"fields":2281,"component":2312,"submitUrl":2313,"hubspotFormId":2314,"successMessage":2315,"horizontalAlign":52,"onSubmitSegmentEvent":2316},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[2282],{"_uid":2283,"name":2284,"type":123,"label":2285,"required":42,"component":2286,"submitBtn":2287,"legalNotice":2288,"placeholder":52,"validateEmail":42,"blockPersonalEmailAddresses":29},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Adresse e-mail","textField","S'abonner",{"type":114,"content":2289},[2290],{"type":117,"content":2291},[2292,2294,2301,2303,2310],{"text":2293,"type":123},"En soumettant ce formulaire, vous acceptez d'être contacté par Spendesk - conformément aux ",{"text":2295,"type":123,"marks":2296},"Conditions d'utilisation",[2297],{"type":646,"attrs":2298},{"href":2206,"uuid":2205,"anchor":26,"custom":2299,"target":649,"linktype":215,"story":2300},{},{"name":2208,"id":2209,"uuid":2205,"slug":2210,"url":2211,"full_slug":2212,"_stopResolving":42},{"text":2302,"type":123}," et à la ",{"text":2304,"type":123,"marks":2305},"Politique de confidentialité",[2306],{"type":646,"attrs":2307},{"href":2219,"uuid":2218,"anchor":26,"custom":2308,"target":649,"linktype":215,"story":2309},{},{"name":2221,"id":2222,"uuid":2218,"slug":2223,"url":2224,"full_slug":2225,"_stopResolving":42},{"text":2311,"type":123}," de Spendesk.","formGroup",{"id":52,"url":52,"linktype":215,"fieldtype":103,"cached_url":216,"prep":42},"8b1b128b-c02a-41d9-a512-63e778c062c6","Réussi !","website:footer:blog_newsletter:form_completed",[2318],{"tag":52,"_uid":2319,"hide":29,"icon":2320,"link":2324,"type":52,"label":52,"style":104,"component":105,"mobileLabel":52,"onClickEvent":52,"openInANewTab":29,"horizontalFill":29},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":2321,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2322,"copyright":52,"fieldtype":98,"meta_data":2323,"is_external_url":29},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":52,"url":2325,"linktype":102,"fieldtype":103,"cached_url":2325},"https://helpcenter.spendesk.com/fr/articles/8850615-avant-apres-qu-est-ce-qui-change-sur-spendesk-vos-cartes-visa-business-premium","Plus qu'une énième newsletter",{"type":114,"content":2328},[2329],{"type":117,"content":2330},[2331],{"text":2332,"type":123},"Offrez à votre équipe la solution complète de gestion des dépenses","Restez dans la boucle et transformez votre finance d'entreprise",{"type":114,"content":2335},[2336,2344,2351],{"type":117,"content":2337},[2338],{"text":2339,"type":123,"marks":2340},"Les services de paiement sont fournis dans le cadre du produit Spendesk par Spendesk Financial Services dans l'EEE, par Adyen au Royaume-Uni et par Sutton Bank aux États-Unis.",[2341],{"type":1895,"attrs":2342},{"color":2343},"rgb(0, 0, 0)",{"type":117,"content":2345},[2346],{"text":2347,"type":123,"marks":2348},"Spendesk Financial Services est un établissement de paiement français agréé par l'ACPR sous le numéro 17518. Adyen N.V. est une banque néerlandaise, dont la succursale au Royaume-Uni est agréée par la FCA pour fournir des services de paiement sous le numéro 779800. Sutton Bank est un établissement membre assuré par la FDIC.",[2349],{"type":1895,"attrs":2350},{"color":2343},{"type":117,"content":2352},[2353],{"text":2354,"type":123,"marks":2355},"Les cartes de débit Visa sont émises par Spendesk Financial Services dans l'EEE, par Adyen au Royaume-Uni et par Sutton Bank aux États-Unis, conformément à une licence accordée par Visa.",[2356],{"type":1895,"attrs":2357},{"color":2343},"fr/global-components/footer",-10,[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],"global-components/footer",[2366,2367,2368],{"path":2364,"name":26,"lang":33,"published":26},{"path":2364,"name":26,"lang":39,"published":26},{"path":2364,"name":26,"lang":41,"published":26},{"name":2370,"created_at":2371,"published_at":2372,"updated_at":2373,"id":2374,"uuid":2375,"content":2376,"slug":2536,"full_slug":2537,"sort_by_date":26,"position":2538,"tag_list":2539,"is_startpage":29,"parent_id":1945,"meta_data":26,"group_id":2540,"first_published_at":2541,"release_id":26,"lang":33,"path":26,"alternates":2542,"default_full_slug":2543,"translated_slugs":2544},"Common Content","2022-06-07T08:36:57.529Z","2026-10-22T14:55:39.232Z","2026-10-22T14:55:39.250Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":2377,"modalBtn":2378,"component":2379,"modalTitle":2380,"countdownDay":2381,"modalContent":2382,"modalSuccess":2394,"countdownHour":2395,"hubspotFormId":2396,"countdownLabel":2397,"formErrorTitle":2398,"countdownMinute":2399,"countdownSecond":2400,"eventsLiveLabel":2401,"eventsViewLabel":2402,"formErrorButton":2403,"selectNoOptions":2404,"eventsWatchLabel":2405,"copyPromptLibrary":2406,"eventsReplayLabel":2407,"formErrorSubtitle":2408,"eventsResultsLabel":2409,"blogAuthorResources":2410,"byRolePromptLibrary":2411,"copiedPromptLibrary":2412,"eventsAllTypesLabel":2413,"eventsJoinNextLabel":2414,"eventsLoadMoreLabel":2415,"eventsRegisterLabel":2416,"selectedPricingPage":2417,"yourPlanPricingPage":2418,"byTopicPromptLibrary":2419,"eventsAllTopicsLabel":2420,"allRolesPromptLibrary":2421,"eventsTypeFilterLabel":2422,"modalEmailPlaceholder":2423,"allTopicsPromptLibrary":2420,"emailValidationInvalid":2424,"eventsTopicFilterLabel":2425,"imageItemsListNoResult":2426,"noResultsPromptLibrary":2427,"phoneValidationInvalid":2428,"blogLoadMoreButtonLabel":2415,"eventsReplayPosterLabel":2429,"itemsFoundPromptLibrary":2430,"blogArticleUpdatedAtLabel":2431,"blogArticleWatchTimeLabel":2432,"clearFiltersPromptLibrary":2433,"modalExistingAccountTitle":2434,"modalExistingCompanyTitle":2435,"modalForExistingCustomers":2436,"organizationSchemaOffices":2443,"blogArticleListenTimeLabel":2432,"cardsGridSearchPlaceholder":2496,"blogArticlePublishedOnLabel":2497,"blogArticleReadingTimeLabel":2432,"emailValidationInvalidExist":2498,"modalForUnsupportedCountries":2499,"emailValidationInvalidInvited":2505,"organizationSchemaDescription":2506,"organizationSchemaContactEmail":2507,"modalExistingAccountDescription":2508,"modalExistingCompanyDescription":2524,"emailValidationInvalidDomainName":2530,"multiSelectDropdownSelectedLabel":2531,"softwareApplicationSchemaRatingCount":2532,"softwareApplicationSchemaRatingValue":2533,"emailValidationInvalidUnexpectedError":2534,"emailValidationInvalidCompanyRegistered":2535},"c86a540c-0da7-40e9-a9a5-5053e71081de","Valider","commonContent","Spendesk n'est pas encore disponible dans votre pays","Jours",{"type":114,"content":2383},[2384,2389],{"type":117,"attrs":2385,"content":2386},{"textAlign":26},[2387],{"text":2388,"type":123},"Il semble que vous soyez dans un pays dans lequel nous ne sommes pas encore présents. Cependant, si vous avez une entreprise dans l’Espace économique européen ou au Royaume-Uni, nous pouvons travailler avec vous, et vous pouvez réserver une démo.",{"type":117,"attrs":2390,"content":2391},{"textAlign":26},[2392],{"text":2393,"type":123},"Sinon, renseignez votre adresse mail ci-dessous, et nous vous informerons lorsque nous serons en mesure de vous aider.","Le formulaire a bien été envoyé","Heures","b095740c-b878-41dd-9a7b-f393d2e4de30","L'événement commence dans","Oups, quelque chose n’a pas fonctionné…","Minutes","Secondes","À venir","Voir l'événement","Réessayer","Aucun résultats","Voir le replay","Copier le prompt","Replay","Une erreur s'est produite lors de l'envoi du formulaire. Assurez-vous que votre navigateur n'est pas équipé d'un bloqueur de publicités et réessayez.","{count} événements","Articles de {firstName}","Par rôle","Copié!","Tous","Participer au prochain","Voir plus","S'inscrire","Selectionnés","Votre plan","Par sujet","Tous les sujets","Tous les rôles","Filtrer par type","Adresse email professionnelle","Adresse e-mail non valide","Filtrer par sujet","Aucun résultat","Aucun prompt ne correspond à ces filtres. Essayez de les effacer.","Numéro de téléphone invalide","Regardez le replay complet","trouvé(s)","Mis à jour le","min environ","Effacer les filtres","Vous avez déjà un compte Spendesk","Votre entreprise a déjà un compte Spendesk",{"type":114,"content":2437},[2438,2442],{"type":117,"content":2439},[2440],{"text":2441,"type":123},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":117},[2444,2460,2472,2484],{"cta":2445,"_uid":2452,"image":2453,"title":2457,"subtitle":2458,"component":2459},[2446],{"tag":52,"_uid":2447,"icon":2448,"link":2449,"type":52,"label":2451,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":52,"url":2450,"linktype":102,"fieldtype":103,"cached_url":2450},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Plan","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":2454,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2455,"copyright":52,"fieldtype":98,"meta_data":2456,"is_external_url":29},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, France","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":2461,"_uid":2467,"image":2468,"title":2470,"subtitle":2471,"component":2459},[2462],{"tag":52,"_uid":2463,"icon":2464,"link":2465,"type":52,"label":2451,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":52,"url":2466,"linktype":102,"fieldtype":103,"cached_url":2466},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":2454,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2455,"copyright":52,"fieldtype":98,"meta_data":2469,"is_external_url":29},{},"Londres, Royaume-Uni","168 Old Street, EC1V 9BP",{"cta":2473,"_uid":2479,"image":2480,"title":2482,"subtitle":2483,"component":2459},[2474],{"tag":52,"_uid":2475,"icon":2476,"link":2477,"type":52,"label":2451,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":52,"url":2478,"linktype":102,"fieldtype":103,"cached_url":2478},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":2454,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2455,"copyright":52,"fieldtype":98,"meta_data":2481,"is_external_url":29},{},"Berlin, Allemagne","Warschauer Pl. 11-13, 10245",{"cta":2485,"_uid":2491,"image":2492,"title":2494,"subtitle":2495,"component":2459},[2486],{"tag":52,"_uid":2487,"icon":2488,"link":2489,"type":52,"label":2451,"style":104,"component":105,"onClickEvent":52,"openInANewTab":42},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":52,"url":2490,"linktype":102,"fieldtype":103,"cached_url":2490},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":2454,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2455,"copyright":52,"fieldtype":98,"meta_data":2493,"is_external_url":29},{},"Madrid, Espagne","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Saisissez votre recherche","Publié le","Il semble que vous ayez déjà un compte Spendesk. Veuillez vous connecter.",{"type":114,"content":2500},[2501],{"type":117,"content":2502},[2503],{"text":2504,"type":123},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","Il semble que vous ayez déjà été invité à rejoindre Spendesk. Veuillez vérifier vos e-mails ou demander à votre administrateur de vous renvoyer l'invitation.","Spendesk est une plateforme complète de gestion des dépenses et des achats qui aide les entreprises à gérer les cartes d'entreprise, les paiements de factures, les abonnements et les dépenses de l'entreprise en temps réel.","support@spendesk.com",{"type":114,"content":2509},[2510,2514],{"type":117,"content":2511},[2512],{"text":2513,"type":123},"Il y a déjà un compte Spendesk associé à votre adresse email. Cliquez sur le lien ci-dessous pour vous connecter.",{"type":208,"attrs":2515},{"id":2516,"body":2517},"e826bb38-950e-49ad-a130-0e7e0bcaa690",[2518],{"tag":52,"_uid":2519,"icon":2520,"link":2521,"type":2523,"label":1755,"style":104,"component":105,"onClickEvent":52,"openInANewTab":29,"horizontalFill":42},"i-c222c58f-50fe-4c44-9776-24eaf7df0e9e",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":52,"copyright":26,"fieldtype":98},{"id":52,"url":2522,"linktype":102,"fieldtype":103,"cached_url":2522},"https://app.spendesk.com/auth/login","btn",{"type":114,"content":2525},[2526],{"type":117,"content":2527},[2528],{"text":2529,"type":123},"Il semble que votre entreprise possède déjà un compte Spendesk. Veuillez demander un accès au propriétaire du compte.","Ceci ressemble à votre adresse e-mail personnelle. Veuillez saisir votre adresse e-mail professionnelle.","selected","412","4.6","Désolé, une erreur inattendue est survenue. Veuillez réessayer plus tard ou contacter l'assistance pour obtenir de l'aide.","Cette entreprise est déjà enregistrée. Veuillez contacter votre administrateur.","commoncontent","fr/global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],"global-components/commoncontent",[2545,2546,2547],{"path":2543,"name":26,"lang":33,"published":26},{"path":2543,"name":26,"lang":39,"published":26},{"path":2543,"name":26,"lang":41,"published":26},[2549,2553,2557,2561,2565,2569,2573,2577,2581],{"id":2550,"name":2551,"value":2552,"dimension_value":26},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":2554,"name":2555,"value":2556,"dimension_value":26},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":2558,"name":2559,"value":2560,"dimension_value":26},10736155,"Intercom","ryDQcVoOoZQ",{"id":2562,"name":2563,"value":2564,"dimension_value":26},10736156,"HubSpot","ry0QcNodoWQ",{"id":2566,"name":2567,"value":2568,"dimension_value":26},10736157,"Facebook Pixel","ko1w5PpFl",{"id":2570,"name":2571,"value":2572,"dimension_value":26},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":2574,"name":2575,"value":2576,"dimension_value":26},10736765,"Bing Ads","dsS7z9Hv4",{"id":2578,"name":2579,"value":2580,"dimension_value":26},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":2582,"name":2583,"value":2584,"dimension_value":26},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":2586,"component":2587,"sidebarCta":2588,"leadwallForm":2619,"leadwallTitle":2620,"exitModalPopup":2621,"newsletterForm":2622,"newsletterTitle":2649,"bottomArticleCta":2650,"leadwallSubtitle":2685,"moreArticlesLabel":2686,"breadcrumbBlogLink":2687,"newsletterSubtitle":2689,"breadcrumbBlogLabel":1519,"breadcrumbArticleLabel":1108,"leadwallSuccessMessage":52,"hiddenNewsletterOnTopics":2690,"componentsAfterTheArticle":2693,"moreArticlesLabelFallback":2686,"sidebarTableOfContentsLabel":2837},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[2589],{"cta":2590,"_uid":2598,"image":2599,"title":2603,"subtitle":2617,"component":2618},[2591],{"tag":52,"_uid":2592,"hide":29,"icon":2593,"link":2595,"type":52,"label":1879,"style":104,"component":105,"mobileLabel":52,"onClickEvent":2597,"openInANewTab":29,"horizontalFill":29},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2594},{},{"id":1871,"url":52,"linktype":215,"fieldtype":103,"cached_url":1872,"prep":42,"story":2596},{"name":1874,"id":1875,"uuid":1871,"slug":1876,"url":1877,"full_slug":1878,"_stopResolving":42},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":2600,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2601,"copyright":52,"fieldtype":98,"meta_data":2602,"is_external_url":29},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":114,"content":2604},[2605],{"type":117,"attrs":2606,"content":2607},{"textAlign":26,"key":119},[2608],{"text":2609,"type":123,"marks":2610},"Dépenser mieux pour travailler mieux.",[2611,2613],{"type":1895,"attrs":2612},{"color":52},{"type":2614,"attrs":2615},"styled",{"class":2616},"text-item-heading text-item-heading-md","Centralisez cartes, factures et notes de frais dans un processus contrôlé pour une visibilité en temps réel et une clôture plus rapide.","ctaBlock",[],"Want to continue reading?",[],[2623],{"_uid":2624,"fields":2625,"component":2312,"submitUrl":2647,"hubspotFormId":2314,"successMessage":2315,"horizontalAlign":52,"onSubmitSegmentEvent":2648},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2626],{"_uid":2627,"name":2284,"type":123,"label":2285,"required":42,"component":2286,"submitBtn":2287,"legalNotice":2628,"placeholder":52,"validateEmail":42,"blockPersonalEmailAddresses":29},"cc924123-e126-4829-a72a-43fcf863a045",{"type":114,"content":2629},[2630],{"type":117,"content":2631},[2632,2633,2639,2640,2646],{"text":2293,"type":123},{"text":2295,"type":123,"marks":2634},[2635],{"type":646,"attrs":2636},{"href":2206,"uuid":2205,"anchor":26,"custom":2637,"target":649,"linktype":215,"story":2638},{},{"name":2208,"id":2209,"uuid":2205,"slug":2210,"url":2211,"full_slug":2212,"_stopResolving":42},{"text":2302,"type":123},{"text":2304,"type":123,"marks":2641},[2642],{"type":646,"attrs":2643},{"href":2219,"uuid":2218,"anchor":26,"custom":2644,"target":649,"linktype":215,"story":2645},{},{"name":2221,"id":2222,"uuid":2218,"slug":2223,"url":2224,"full_slug":2225,"_stopResolving":42},{"text":2311,"type":123},{"id":52,"url":52,"linktype":215,"fieldtype":103,"cached_url":216,"prep":42},"website:article:blog_newsletter:form_completed","Appréciez-vous ce que vous lisez ?",[2651],{"cta":2652,"_uid":2667,"image":2668,"title":2670,"subtitle":2684,"component":2618},[2653],{"tag":52,"_uid":2654,"hide":29,"icon":2655,"link":2657,"type":52,"label":2665,"style":104,"component":105,"mobileLabel":52,"onClickEvent":2666,"openInANewTab":29,"horizontalFill":29},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":2656},{},{"id":2658,"url":52,"linktype":215,"fieldtype":103,"cached_url":2659,"prep":42,"story":2660},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/fr/platform-tour",{"name":2661,"id":2662,"uuid":2658,"slug":2663,"url":2663,"full_slug":2664,"_stopResolving":42},"Platform tour",413550505,"platform-tour","fr/platform-tour","Voir la démo gratuite","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":98,"meta_data":2669,"is_external_url":29},{},{"type":114,"content":2671},[2672],{"type":117,"attrs":2673,"content":2674},{"textAlign":26,"key":119},[2675],{"text":2676,"type":123,"marks":2677},"Curieux de découvrir Spendesk ?",[2678,2681],{"type":1895,"attrs":2679},{"color":2680},"#000000",{"type":2614,"attrs":2682},{"class":2683},"patron-heading-2 accentuation-01","Essayez la plateforme avec une démo interactive pour voir la gestion des dépenses et approbations de bout en bout.","Sign up to our newsletter to keep reading","Plus d'articles",{"id":1511,"url":52,"linktype":215,"fieldtype":103,"cached_url":1512,"prep":42,"story":2688},{"name":1514,"id":1515,"uuid":1511,"slug":1516,"url":1517,"full_slug":1518,"_stopResolving":42},"Nous publions de nouveaux articles comme celui-ci chaque semaine. Abonnez-vous à notre newsletter pour rester informé.",[2691,2692],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2694],{"cta":2695,"_uid":2696,"items":2697,"heading":2815,"reverse":29,"component":1234,"sectionSettings":2836},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2698,2756],{"_uid":2699,"title":2700,"component":1153,"description":2701},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?",{"type":114,"content":2702},[2703,2707],{"type":117,"content":2704},[2705],{"text":2706,"type":123},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2708,"attrs":2709,"content":2711},"ordered_list",{"order":2710},{"order":331},[2712,2723,2734],{"type":499,"content":2713},[2714],{"type":117,"content":2715},[2716,2720,2722],{"text":2717,"type":123,"marks":2718},"Les dépenses stratégiques",[2719],{"type":180},{"text":2721,"type":123}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. Elles peuvent être gérées au moyen de factures, virements électroniques et bons de commande.",{"type":739},{"type":499,"content":2724},[2725],{"type":117,"content":2726},[2727,2731,2733],{"text":2728,"type":123,"marks":2729},"Les dépenses opérationnelles",[2730],{"type":180},{"text":2732,"type":123}," sont également centralisées, mais les dépenses sont effectuées par les gestionnaires et les employés dans leur vie professionnelle de façon quotidienne. Elles comprennent les achats par carte, abonnements, campagnes digitales, événements, commandes diverses pour le bureau ou encore les voyages d'affaires.",{"type":739},{"type":499,"content":2735},[2736],{"type":117,"content":2737},[2738,2742,2744,2745,2746,2748,2749,2750,2752,2753,2754],{"text":2739,"type":123,"marks":2740},"Les autres frais",[2741],{"type":180},{"text":2743,"type":123},", contrairement aux dépenses stratégiques et opérationnelles, représentent un nombre important de petits achats qui peuvent être difficiles à suivre. Il s'agit notamment des paiements par carte, demandes de remboursement des dépenses terrains et des frais de déplacement.",{"type":739},{"type":739},{"text":2747,"type":123},"La gestion des dépenses est le processus par lequel les entreprises gèrent toutes ces dépenses professionnelles. Elle tient compte de l'ensemble du processus d'achat : approbations d'achat, méthodes de paiement, traitement des factures, note de frais, réconciliation des justificatifs, catégorisation des dépenses, taux de TVA, etc. pour une bonne tenue de la comptabilité.",{"type":739},{"type":739},{"text":2751,"type":123},"Les outils de gestion des dépenses deviennent nécessaires lorsque le nombre d'employés augmente et que l'équipe finance a besoin d'une meilleure visibilité et d'un meilleur contrôle de la trésorerie. Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":739},{"type":739},{"text":2755,"type":123},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2757,"title":2758,"component":1153,"description":2759},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":114,"content":2760},[2761,2765,2769,2778,2782,2786,2795,2799,2803,2807,2811],{"type":117,"content":2762},[2763],{"text":2764,"type":123},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":117,"content":2766},[2767],{"text":2768,"type":123},"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":117,"content":2770},[2771,2775,2776],{"text":2772,"type":123,"marks":2773},"Pour les employés",[2774],{"type":180},{"type":739},{"text":2777,"type":123},"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":117,"content":2779},[2780],{"text":2781,"type":123},"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":117,"content":2783},[2784],{"text":2785,"type":123},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":117,"content":2787},[2788,2792,2793],{"text":2789,"type":123,"marks":2790},"Pour les équipes financières",[2791],{"type":180},{"type":739},{"text":2794,"type":123},"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":117,"content":2796},[2797],{"text":2798,"type":123},"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":117,"content":2800},[2801],{"text":2802,"type":123},"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":117,"content":2804},[2805],{"text":2806,"type":123},"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":117,"content":2808},[2809],{"text":2810,"type":123},"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":117,"content":2812},[2813],{"text":2814,"type":123},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[2816],{"cta":2817,"_uid":2818,"title":2819,"eyebrow":2826,"subtitle":2829,"component":290,"textAlign":52,"sectionSettings":2835,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":114,"content":2820},[2821],{"type":290,"attrs":2822,"content":2823},{"level":292},[2824],{"text":2825,"type":123},"Démarrer avec Spendesk",{"type":114,"content":2827},[2828],{"type":117},{"type":114,"content":2830},[2831],{"type":117,"content":2832},[2833],{"text":2834,"type":123},"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",[2839,3017,3268,3416],{"name":2840,"created_at":2841,"published_at":2842,"updated_at":2843,"id":2844,"uuid":2845,"content":2846,"slug":3005,"full_slug":3006,"sort_by_date":26,"position":3007,"tag_list":3008,"is_startpage":29,"parent_id":1240,"meta_data":26,"group_id":3009,"first_published_at":3010,"release_id":26,"lang":33,"path":26,"alternates":3011,"default_full_slug":3012,"translated_slugs":3013},"Déclaration et remboursement de TVA entreprise : le guide complet pour les équipes finance","2026-05-06T13:59:15.948Z","2026-11-03T12:10:21.906Z","2026-11-03T12:10:21.937Z",173614513996305,"70d2b374-0007-4f95-a235-83edd017c2b1",{"_uid":2847,"title":2840,"topics":2848,"noIndex":29,"category":2899,"language":2908,"component":1120,"heroMedia":2909,"publishedAt":2916,"redirectUrl":52,"listingImage":2917,"metaDescription":2925,"bottomArticleCta":2926,"componentsAfterTheArticle":2927},"384f578e-26a4-4188-bfea-9666e501a00d",[2849,2857,2878],{"name":139,"created_at":140,"published_at":141,"updated_at":142,"id":143,"uuid":144,"content":2850,"slug":155,"full_slug":156,"sort_by_date":26,"position":157,"tag_list":2851,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":160,"first_published_at":161,"release_id":26,"lang":33,"path":26,"alternates":2852,"default_full_slug":163,"translated_slugs":2853,"_stopResolving":42},{"_uid":154,"name":139,"component":23},[],[],[2854,2855,2856],{"path":163,"name":26,"lang":33,"published":26},{"path":163,"name":26,"lang":39,"published":26},{"path":163,"name":26,"lang":41,"published":26},{"name":2858,"created_at":2859,"published_at":2860,"updated_at":2861,"id":2862,"uuid":2863,"content":2864,"slug":2866,"full_slug":2867,"sort_by_date":26,"position":2868,"tag_list":2869,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":2870,"first_published_at":2871,"release_id":26,"lang":33,"path":26,"alternates":2872,"default_full_slug":2873,"translated_slugs":2874,"_stopResolving":42},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-09-29T09:14:42.092Z","2026-09-29T09:14:42.108Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"_uid":2865,"name":2858,"component":23},"5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",-60,[],"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[2875,2876,2877],{"path":2873,"name":26,"lang":33,"published":26},{"path":2873,"name":26,"lang":39,"published":26},{"path":2873,"name":26,"lang":41,"published":26},{"name":2879,"created_at":2880,"published_at":2881,"updated_at":2882,"id":2883,"uuid":2884,"content":2885,"slug":2879,"full_slug":2888,"sort_by_date":26,"position":2889,"tag_list":2890,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":2891,"first_published_at":2892,"release_id":26,"lang":33,"path":26,"alternates":2893,"default_full_slug":2894,"translated_slugs":2895,"_stopResolving":42},"remboursements","2022-10-19T17:58:01.187Z","2026-09-29T09:14:46.314Z","2026-09-29T09:14:46.333Z",206171449,"259e3eda-7f58-4196-a130-9d02d183bb45",{"_uid":2886,"name":2887,"component":23},"a2c58a16-f495-475f-951f-05171468aae4","Remboursements","fr/blog/topic/remboursements",-530,[],"0ebafaa2-2fcd-47a5-bc1d-d0797c153bd6","2022-11-02T15:24:39.815Z",[],"blog/topic/remboursements",[2896,2897,2898],{"path":2894,"name":26,"lang":33,"published":26},{"path":2894,"name":26,"lang":39,"published":26},{"path":2894,"name":26,"lang":41,"published":26},{"name":1108,"created_at":1109,"published_at":16,"updated_at":1110,"id":1111,"uuid":1112,"content":2900,"slug":1120,"full_slug":1121,"sort_by_date":26,"position":27,"tag_list":2902,"is_startpage":29,"parent_id":1123,"meta_data":26,"group_id":1124,"first_published_at":1125,"release_id":26,"lang":33,"path":26,"alternates":2903,"default_full_slug":1127,"translated_slugs":2904,"_stopResolving":42},{"_uid":1114,"icon":2901,"name":1108,"component":1119},{"id":1116,"alt":1117,"name":52,"focus":52,"title":52,"filename":1118,"copyright":52,"fieldtype":98,"is_external_url":29},[],[],[2905,2906,2907],{"path":1127,"name":26,"lang":33,"published":26},{"path":1127,"name":26,"lang":39,"published":26},{"path":1127,"name":26,"lang":41,"published":26},[33],[2910],{"_uid":2911,"asset":2912,"caption":52,"component":221},"5be70887-4be7-4388-ab96-74c4159c46be",{"id":2913,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2914,"copyright":52,"fieldtype":98,"meta_data":2915,"is_external_url":29},140996900773661,"https://a.storyblok.com/f/146026/1536x1024/a68a8da405/best-month-end-close-software.png",{},"2026-06-18 00:00",[2918],{"_uid":2919,"type":52,"asset":2920,"caption":52,"overlay":2924,"component":221},"b0b65eda-c029-4224-ae49-9b4a8b715801",{"id":2921,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":2922,"copyright":52,"fieldtype":98,"meta_data":2923,"is_external_url":29},168572946951237,"https://a.storyblok.com/f/146026/1376x768/83681e5e82/invoice-matching.png",{},[],"Taux mal appliqués, crédit oublié, retard de déclaration : les erreurs TVA coûtent cher. Le guide complet pour les équipes finance en 2026.",[],[2928],{"cta":2929,"_uid":2930,"items":2931,"heading":2982,"reverse":29,"component":1234,"sectionSettings":3004},[],"9b8fadae-075f-468f-8943-86af709c5378",[2932,2942,2960],{"_uid":2933,"hide":29,"title":2934,"component":1153,"description":2935},"79c27c69-1dcb-4699-8035-960f7117fe07","Comment déclarer la TVA en ligne pour une entreprise ?",{"type":114,"content":2936},[2937],{"type":117,"attrs":2938,"content":2939},{"textAlign":26},[2940],{"text":2941,"type":123},"Rendez-vous sur impots.gouv.fr, connectez-vous à votre espace professionnel et sélectionnez \"Déclarer la TVA\" (mode EFI). Vous pouvez aussi passer par votre expert-comptable ou un logiciel certifié DGFiP (mode EDI), qui envoie automatiquement votre CA3 ou CA12 sans démarche de votre côté.",{"_uid":2943,"hide":29,"title":2944,"component":1153,"description":2945},"525d211f-bd71-406a-b76c-502d7329d295","Peut-on récupérer la TVA sur les notes de frais ?",{"type":114,"content":2946},[2947],{"type":117,"attrs":2948,"content":2949},{"textAlign":26},[2950,2952,2958],{"text":2951,"type":123},"Oui, à condition d'avoir une facture conforme : TVA clairement indiquée, taux lisible, mentions légales complètes. Le taux déductible varie selon la nature de la dépense (20 % sur la majorité des achats pro, 10 % sur la restauration, avec des exclusions comme le carburant essence pour véhicule de tourisme). Un outil de ",{"text":2953,"type":123,"marks":2954},"gestion des notes de frais",[2955],{"type":646,"attrs":2956},{"href":2957,"uuid":26,"anchor":26,"target":26,"linktype":102},"/fr/product/expense-management/",{"text":2959,"type":123}," automatise la capture des justificatifs conformes et évite les oublis.",{"_uid":2961,"hide":29,"title":2962,"component":1153,"description":2963},"842b4360-6536-4d3a-8f4e-7ac3e0091053","Comment récupérer la TVA sur les frais professionnels des salariés ?",{"type":114,"content":2964},[2965,2970],{"type":117,"attrs":2966,"content":2967},{"textAlign":26},[2968],{"text":2969,"type":123},"Les frais engagés par vos collaborateurs — repas, déplacements, hôtels, fournitures — ouvrent bien droit à déduction de TVA. Mais il y a un piège classique : le remboursement au salarié ne suffit pas. C'est la facture au nom de l'entreprise, ou à défaut un ticket avec TVA lisible, qui constitue la pièce valable. Sans ça, pas de déduction possible, même si la dépense est 100 % professionnelle.",{"type":117,"attrs":2971,"content":2972},{"textAlign":26},[2973,2975,2980],{"text":2974,"type":123},"Deux autres choses à garder en tête : le taux déductible varie selon la nature du frais (20 % sur la plupart des achats pro, 10 % sur la restauration, avec des exclusions comme le carburant essence pour véhicule de tourisme), et le justificatif doit être collecté au moment de la dépense — pas trois semaines après sur relance. Un outil de ",{"text":2953,"type":123,"marks":2976},[2977,2979],{"type":646,"attrs":2978},{"href":2957,"uuid":26,"anchor":26,"target":649,"linktype":102},{"type":180},{"text":2981,"type":123}," fait exactement ça : capturer le justificatif à la source, extraire automatiquement le montant TVA récupérable, et l'exporter avec les bons codes comptables — avant la clôture du mois.",[2983],{"cta":2984,"_uid":2985,"title":2986,"eyebrow":2993,"subtitle":2999,"component":290,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3002,"sectionSettings":3003,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"14c842e3-6fe6-4b3b-a455-c9721f165afc",{"type":114,"content":2987},[2988],{"type":117,"attrs":2989,"content":2990},{"textAlign":26},[2991],{"text":2992,"type":123},"Les questions qu'on nous pose le plus souvent",{"type":114,"content":2994},[2995],{"type":117,"attrs":2996,"content":2997},{"textAlign":26},[2998],{"text":1228,"type":123},{"type":114,"content":3000},[3001],{"type":117},[],[],[],"declaration-et-remboursement-de-tva-entreprise-le-guide-complet","fr/blog/declaration-et-remboursement-de-tva-entreprise-le-guide-complet",-460,[],"bebf7085-4405-47e3-8721-50de330d8529","2026-05-08T10:25:19.919Z",[],"blog/declaration-et-remboursement-de-tva-entreprise-le-guide-complet",[3014,3015,3016],{"path":3012,"name":26,"lang":33,"published":26},{"path":3012,"name":26,"lang":39,"published":26},{"path":3012,"name":26,"lang":41,"published":26},{"name":3018,"created_at":3019,"published_at":3020,"updated_at":3021,"id":3022,"uuid":3023,"content":3024,"slug":3256,"full_slug":3257,"sort_by_date":26,"position":3258,"tag_list":3259,"is_startpage":29,"parent_id":1240,"meta_data":26,"group_id":3260,"first_published_at":3261,"release_id":26,"lang":33,"path":26,"alternates":3262,"default_full_slug":3263,"translated_slugs":3264},"Rapprochement bancaire : les écarts qui passent inaperçus (jusqu'au contrôle fiscal)","2026-06-26T13:35:58.785Z","2026-11-03T12:09:52.226Z","2026-11-03T12:09:52.258Z",191657405621335,"0ee8e13c-b97c-404d-9d3b-e86b75ccbad9",{"_uid":3025,"title":3018,"topics":3026,"noIndex":29,"category":3100,"language":3109,"component":1120,"heroMedia":3110,"publishedAt":3117,"redirectUrl":52,"listingImage":3118,"metaDescription":3125,"bottomArticleCta":3126,"componentsAfterTheArticle":3127},"783f1d70-e2c8-40bd-8305-26f03e8b7800",[3027,3050,3058,3079],{"name":3028,"created_at":3029,"published_at":3030,"updated_at":3031,"id":3032,"uuid":3033,"content":3034,"slug":3038,"full_slug":3039,"sort_by_date":26,"position":3040,"tag_list":3041,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":3042,"first_published_at":3043,"release_id":26,"lang":33,"path":26,"alternates":3044,"default_full_slug":3045,"translated_slugs":3046,"_stopResolving":42},"AI and automation","2025-08-19T08:06:19.962Z","2026-09-29T09:14:00.264Z","2026-09-29T09:14:00.282Z",81515233149777,"3ca53d54-ac91-4164-a973-ef9cabc51cf6",{"_uid":3035,"icon":3036,"name":3028,"component":23},"53de838f-fa34-428c-8ebb-c91c00b2c34f",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":98,"meta_data":3037},{},"ai-and-automation","fr/blog/topic/ai-and-automation",-570,[],"7e1b1946-7c16-41c9-a1ae-29d430eb6ed1","2025-08-19T08:06:29.358Z",[],"blog/topic/ai-and-automation",[3047,3048,3049],{"path":3045,"name":26,"lang":33,"published":26},{"path":3045,"name":26,"lang":39,"published":26},{"path":3045,"name":26,"lang":41,"published":26},{"name":139,"created_at":140,"published_at":141,"updated_at":142,"id":143,"uuid":144,"content":3051,"slug":155,"full_slug":156,"sort_by_date":26,"position":157,"tag_list":3052,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":160,"first_published_at":161,"release_id":26,"lang":33,"path":26,"alternates":3053,"default_full_slug":163,"translated_slugs":3054,"_stopResolving":42},{"_uid":154,"name":139,"component":23},[],[],[3055,3056,3057],{"path":163,"name":26,"lang":33,"published":26},{"path":163,"name":26,"lang":39,"published":26},{"path":163,"name":26,"lang":41,"published":26},{"name":3059,"created_at":3060,"published_at":3061,"updated_at":3062,"id":3063,"uuid":3064,"content":3065,"slug":3067,"full_slug":3068,"sort_by_date":26,"position":3069,"tag_list":3070,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":3071,"first_published_at":3072,"release_id":26,"lang":33,"path":26,"alternates":3073,"default_full_slug":3074,"translated_slugs":3075,"_stopResolving":42},"Factures fournisseurs","2022-10-19T17:58:01.385Z","2026-09-29T09:14:39.933Z","2026-09-29T09:14:39.952Z",206171450,"94774a96-2374-4adf-91ae-2a21cf281282",{"_uid":3066,"name":3059,"component":23},"63535519-d3ae-42ed-a496-fd0c222e4057","factures-fournisseurs","fr/blog/topic/factures-fournisseurs",-540,[],"f7010886-52de-401f-8beb-e195074d444f","2022-11-02T15:24:39.398Z",[],"blog/topic/factures-fournisseurs",[3076,3077,3078],{"path":3074,"name":26,"lang":33,"published":26},{"path":3074,"name":26,"lang":39,"published":26},{"path":3074,"name":26,"lang":41,"published":26},{"name":3080,"created_at":3081,"published_at":3082,"updated_at":3083,"id":3084,"uuid":3085,"content":3086,"slug":3088,"full_slug":3089,"sort_by_date":26,"position":3090,"tag_list":3091,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":3092,"first_published_at":3093,"release_id":26,"lang":33,"path":26,"alternates":3094,"default_full_slug":3095,"translated_slugs":3096,"_stopResolving":42},"Fonctionnalités","2022-10-19T17:57:51.815Z","2026-09-29T09:14:41.009Z","2026-09-29T09:14:41.027Z",206171409,"40d220c8-5738-4715-913a-a198cf694bf5",{"_uid":3087,"name":3080,"component":23},"85e95caa-9dce-49b9-8990-67fb58979f2f","fonctionnalites","fr/blog/topic/fonctionnalites",-130,[],"05c612f5-e4d2-4210-b124-f3afb1ac60a0","2022-11-02T15:24:53.134Z",[],"blog/topic/fonctionnalites",[3097,3098,3099],{"path":3095,"name":26,"lang":33,"published":26},{"path":3095,"name":26,"lang":39,"published":26},{"path":3095,"name":26,"lang":41,"published":26},{"name":1108,"created_at":1109,"published_at":16,"updated_at":1110,"id":1111,"uuid":1112,"content":3101,"slug":1120,"full_slug":1121,"sort_by_date":26,"position":27,"tag_list":3103,"is_startpage":29,"parent_id":1123,"meta_data":26,"group_id":1124,"first_published_at":1125,"release_id":26,"lang":33,"path":26,"alternates":3104,"default_full_slug":1127,"translated_slugs":3105,"_stopResolving":42},{"_uid":1114,"icon":3102,"name":1108,"component":1119},{"id":1116,"alt":1117,"name":52,"focus":52,"title":52,"filename":1118,"copyright":52,"fieldtype":98,"is_external_url":29},[],[],[3106,3107,3108],{"path":1127,"name":26,"lang":33,"published":26},{"path":1127,"name":26,"lang":39,"published":26},{"path":1127,"name":26,"lang":41,"published":26},[33],[3111],{"_uid":3112,"asset":3113,"caption":52,"component":221},"361deb09-153e-4695-be64-421930f180cf",{"id":3114,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3115,"copyright":52,"fieldtype":98,"meta_data":3116,"is_external_url":29},174400058601475,"https://a.storyblok.com/f/146026/1376x768/5856800d6b/what-is-invoice-discounting.png",{},"2026-06-26 00:00",[3119],{"_uid":3120,"asset":3121,"caption":52,"component":221},"63ba8608-c834-454e-88cc-b37c7a5600a7",{"id":3122,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3123,"copyright":52,"fieldtype":98,"meta_data":3124,"is_external_url":29},121923472980721,"https://a.storyblok.com/f/146026/1434x956/545fdc28f2/header_es.jpeg",{},"Découvrez comment réaliser un rapprochement bancaire rigoureux, éviter les écarts silencieux et préparer un FEC conforme avant un contrôle fiscal de la DGFiP.",[],[3128],{"cta":3129,"_uid":3130,"items":3131,"heading":3233,"reverse":29,"component":1234,"sectionSettings":3255},[],"a48e53e2-83eb-4972-90bd-c4a47c785adf",[3132,3162,3178,3203,3217],{"_uid":3133,"hide":29,"title":3134,"component":1153,"description":3135},"7a144f44-6145-4194-b2a9-8c148a9f3bec","Quel type d'outil utiliser pour automatiser le rapprochement bancaire ?",{"type":114,"content":3136},[3137],{"type":117,"attrs":3138,"content":3139},{"textAlign":26},[3140,3142,3146,3148,3152,3154,3161],{"text":3141,"type":123},"Privilégiez une solution qui combine ",{"text":3143,"type":123,"marks":3144},"synchronisation bancaire quotidienne",[3145],{"type":180},{"text":3147,"type":123},", lettrage automatique basé sur des règles et export FEC natif conforme aux 18 champs obligatoires. Les plateformes les plus performantes rapprochent ",{"text":3149,"type":123,"marks":3150},"95 % des paiements en moins de deux jours",[3151],{"type":180},{"text":3153,"type":123},", ce qui transforme la clôture mensuelle en simple vérification. Pour comparer les options disponibles, consultez notre ",{"text":3155,"type":123,"marks":3156},"comparatif des logiciels de rapprochement bancaire",[3157,3160],{"type":646,"attrs":3158},{"href":3159,"uuid":26,"anchor":26,"target":649,"linktype":102},"https://www.spendesk.com/fr/blog/reconciliation-des-comptes-logiciel-rapprochement-bancaire/",{"type":180},{"text":278,"type":123},{"_uid":3163,"hide":29,"title":3164,"component":1153,"description":3165},"0b50a64d-9137-4b2d-b636-ca477cdf34df","Un écart de rapprochement peut-il déclencher un redressement fiscal ?",{"type":114,"content":3166},[3167],{"type":117,"attrs":3168,"content":3169},{"textAlign":26},[3170,3172,3176],{"text":3171,"type":123},"Un écart seul ne déclenche pas un redressement. Mais des ",{"text":3173,"type":123,"marks":3174},"écarts répétés et non justifiés",[3175],{"type":180},{"text":3177,"type":123}," lors d'un contrôle fiscal signalent un manque de rigueur. La DGFiP peut alors approfondir l'examen et appliquer des pénalités.",{"_uid":3179,"hide":29,"title":3180,"component":1153,"description":3181},"96063fd8-4b3e-4fb4-9999-f3318a4a32a7","À quelle fréquence faut-il faire un rapprochement bancaire ?",{"type":114,"content":3182},[3183],{"type":117,"attrs":3184,"content":3185},{"textAlign":26},[3186,3188,3192,3194,3201],{"text":3187,"type":123},"Mensuel, idéalement avant la clôture. Un rapprochement trimestriel ou annuel laisse les écarts s'accumuler et rend la correction plus complexe. Le lettrage doit suivre le ",{"text":3189,"type":123,"marks":3190},"même rythme",[3191],{"type":180},{"text":3193,"type":123}," pour éviter les écarts fantômes. Pour choisir les bons ",{"text":3195,"type":123,"marks":3196},"outils de rapprochement bancaire",[3197,3200],{"type":646,"attrs":3198},{"href":3199,"uuid":26,"anchor":26,"target":649,"linktype":102},"/fr/blog/outils-rapprochement-bancaire/",{"type":180},{"text":3202,"type":123},", commencez par évaluer votre volume mensuel de transactions.",{"_uid":3204,"hide":29,"title":3205,"component":1153,"description":3206},"a417eea5-d435-4e06-812f-d7ddd14a1aae","Le rapprochement bancaire est-il obligatoire ?",{"type":114,"content":3207},[3208],{"type":117,"attrs":3209,"content":3210},{"textAlign":26},[3211,3213],{"text":3212,"type":123},"Aucun texte ne l'impose formellement. Mais lors d'un contrôle fiscal, la DGFiP peut exiger le FEC et vérifier la cohérence entre écritures et mouvements bancaires. ",{"text":3214,"type":123,"marks":3215},"Un rapprochement bancaire régulier est la meilleure preuve de rigueur comptable.",[3216],{"type":180},{"_uid":3218,"hide":29,"title":3219,"component":1153,"description":3220},"ac3b8b79-1615-4b92-97fd-bcf9078fbc24","C'est quoi le lettrage comptable ?",{"type":114,"content":3221},[3222],{"type":117,"attrs":3223,"content":3224},{"textAlign":26},[3225,3227,3231],{"text":3226,"type":123},"Le lettrage comptable consiste à ",{"text":3228,"type":123,"marks":3229},"associer chaque écriture comptable",[3230],{"type":180},{"text":3232,"type":123}," à la facture ou au paiement correspondant. Il précède le rapprochement bancaire et garantit que chaque mouvement est justifié individuellement. Il peut être manuel ou automatisé par un logiciel.",[3234],{"cta":3235,"_uid":3236,"title":3237,"eyebrow":3244,"subtitle":3250,"component":290,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3253,"sectionSettings":3254,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"4fe0c923-e517-4ec6-9e03-679f1da3917e",{"type":114,"content":3238},[3239],{"type":117,"attrs":3240,"content":3241},{"textAlign":26},[3242],{"text":3243,"type":123},"Toutes les réponses aux questions que vous vous posez",{"type":114,"content":3245},[3246],{"type":117,"attrs":3247,"content":3248},{"textAlign":26},[3249],{"text":1228,"type":123},{"type":114,"content":3251},[3252],{"type":117},[],[],[],"rapprochement-bancaire","fr/blog/rapprochement-bancaire",-650,[],"ff06c00c-0fec-4bc8-a9b8-f57652c385e9","2026-06-26T14:02:36.911Z",[],"blog/rapprochement-bancaire",[3265,3266,3267],{"path":3263,"name":26,"lang":33,"published":26},{"path":3263,"name":26,"lang":39,"published":26},{"path":3263,"name":26,"lang":41,"published":26},{"name":3269,"created_at":3270,"published_at":3271,"updated_at":3272,"id":3273,"uuid":3274,"content":3275,"slug":3405,"full_slug":3406,"sort_by_date":26,"position":3407,"tag_list":3408,"is_startpage":29,"parent_id":1240,"meta_data":26,"group_id":3409,"first_published_at":3271,"release_id":26,"lang":33,"path":26,"alternates":3410,"default_full_slug":3411,"translated_slugs":3412},"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":3276,"title":3269,"topics":3277,"noIndex":29,"category":3286,"language":3295,"readTime":52,"component":1120,"heroMedia":3296,"publishedAt":3304,"redirectUrl":52,"leadwallForm":3305,"listingImage":3306,"leadwallTitle":52,"metaDescription":3307,"bottomArticleCta":3308,"leadwallSubtitle":52,"isLeadwallEnabled":29,"componentsAfterTheArticle":3309,"leadwallVisibleParagraphs":52},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[3278],{"name":139,"created_at":140,"published_at":141,"updated_at":142,"id":143,"uuid":144,"content":3279,"slug":155,"full_slug":156,"sort_by_date":26,"position":157,"tag_list":3280,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":160,"first_published_at":161,"release_id":26,"lang":33,"path":26,"alternates":3281,"default_full_slug":163,"translated_slugs":3282,"_stopResolving":42},{"_uid":154,"name":139,"component":23},[],[],[3283,3284,3285],{"path":163,"name":26,"lang":33,"published":26},{"path":163,"name":26,"lang":39,"published":26},{"path":163,"name":26,"lang":41,"published":26},{"name":1108,"created_at":1109,"published_at":16,"updated_at":1110,"id":1111,"uuid":1112,"content":3287,"slug":1120,"full_slug":1121,"sort_by_date":26,"position":27,"tag_list":3289,"is_startpage":29,"parent_id":1123,"meta_data":26,"group_id":1124,"first_published_at":1125,"release_id":26,"lang":33,"path":26,"alternates":3290,"default_full_slug":1127,"translated_slugs":3291,"_stopResolving":42},{"_uid":1114,"icon":3288,"name":1108,"component":1119},{"id":1116,"alt":1117,"name":52,"focus":52,"title":52,"filename":1118,"copyright":52,"fieldtype":98,"is_external_url":29},[],[],[3292,3293,3294],{"path":1127,"name":26,"lang":33,"published":26},{"path":1127,"name":26,"lang":39,"published":26},{"path":1127,"name":26,"lang":41,"published":26},[33],[3297],{"_uid":3298,"link":3299,"asset":3300,"caption":52,"component":221},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":52,"url":52,"linktype":215,"fieldtype":103,"cached_url":216,"prep":42},{"id":3301,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3302,"copyright":52,"fieldtype":98,"meta_data":3303,"is_external_url":29},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",[],[3310],{"cta":3311,"_uid":3312,"items":3313,"heading":3380,"reverse":29,"component":1234,"sectionSettings":3404},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[3314,3325,3336,3347,3358,3369],{"_uid":3315,"hide":29,"title":3316,"component":1153,"description":3317},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":114,"attrs":3318,"content":3319},{"backgroundColor":26},[3320],{"type":117,"attrs":3321,"content":3322},{"textAlign":26},[3323],{"text":3324,"type":123},"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":3326,"hide":29,"title":3327,"component":1153,"description":3328},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":114,"attrs":3329,"content":3330},{"backgroundColor":26},[3331],{"type":117,"attrs":3332,"content":3333},{"textAlign":26},[3334],{"text":3335,"type":123},"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":3337,"hide":29,"title":3338,"component":1153,"description":3339},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":114,"attrs":3340,"content":3341},{"backgroundColor":26},[3342],{"type":117,"attrs":3343,"content":3344},{"textAlign":26},[3345],{"text":3346,"type":123},"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":3348,"hide":29,"title":3349,"component":1153,"description":3350},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":114,"attrs":3351,"content":3352},{"backgroundColor":26},[3353],{"type":117,"attrs":3354,"content":3355},{"textAlign":26},[3356],{"text":3357,"type":123},"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":3359,"hide":29,"title":3360,"component":1153,"description":3361},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":114,"attrs":3362,"content":3363},{"backgroundColor":26},[3364],{"type":117,"attrs":3365,"content":3366},{"textAlign":26},[3367],{"text":3368,"type":123},"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":3370,"hide":29,"title":3371,"component":1153,"description":3372},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":114,"attrs":3373,"content":3374},{"backgroundColor":26},[3375],{"type":117,"attrs":3376,"content":3377},{"textAlign":26},[3378],{"text":3379,"type":123},"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.",[3381],{"cta":3382,"_uid":3383,"title":3384,"layout":52,"eyebrow":3392,"subtitle":3399,"component":290,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3402,"sectionSettings":3403,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":114,"attrs":3385,"content":3386},{"backgroundColor":26},[3387],{"type":290,"attrs":3388,"content":3389},{"level":292,"textAlign":26},[3390],{"text":3391,"type":123},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":114,"attrs":3393,"content":3394},{"backgroundColor":26},[3395],{"type":117,"attrs":3396,"content":3397},{"textAlign":26},[3398],{"text":1228,"type":123},{"type":114,"content":3400},[3401],{"type":117},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[3413,3414,3415],{"path":3411,"name":26,"lang":33,"published":26},{"path":3411,"name":26,"lang":39,"published":26},{"path":3411,"name":26,"lang":41,"published":26},{"name":3417,"created_at":3418,"published_at":3419,"updated_at":3420,"id":3421,"uuid":3422,"content":3423,"slug":3536,"full_slug":3537,"sort_by_date":26,"position":3538,"tag_list":3539,"is_startpage":29,"parent_id":1240,"meta_data":26,"group_id":3540,"first_published_at":3541,"release_id":26,"lang":33,"path":26,"alternates":3542,"default_full_slug":3543,"translated_slugs":3544},"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":3424,"title":3417,"topics":3425,"noIndex":29,"category":3434,"language":3443,"component":1120,"heroMedia":3444,"publishedAt":3452,"redirectUrl":52,"listingImage":3453,"metaDescription":3454,"bottomArticleCta":3455,"componentsAfterTheArticle":3456},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[3426],{"name":139,"created_at":140,"published_at":141,"updated_at":142,"id":143,"uuid":144,"content":3427,"slug":155,"full_slug":156,"sort_by_date":26,"position":157,"tag_list":3428,"is_startpage":29,"parent_id":159,"meta_data":26,"group_id":160,"first_published_at":161,"release_id":26,"lang":33,"path":26,"alternates":3429,"default_full_slug":163,"translated_slugs":3430,"_stopResolving":42},{"_uid":154,"name":139,"component":23},[],[],[3431,3432,3433],{"path":163,"name":26,"lang":33,"published":26},{"path":163,"name":26,"lang":39,"published":26},{"path":163,"name":26,"lang":41,"published":26},{"name":1108,"created_at":1109,"published_at":16,"updated_at":1110,"id":1111,"uuid":1112,"content":3435,"slug":1120,"full_slug":1121,"sort_by_date":26,"position":27,"tag_list":3437,"is_startpage":29,"parent_id":1123,"meta_data":26,"group_id":1124,"first_published_at":1125,"release_id":26,"lang":33,"path":26,"alternates":3438,"default_full_slug":1127,"translated_slugs":3439,"_stopResolving":42},{"_uid":1114,"icon":3436,"name":1108,"component":1119},{"id":1116,"alt":1117,"name":52,"focus":52,"title":52,"filename":1118,"copyright":52,"fieldtype":98,"is_external_url":29},[],[],[3440,3441,3442],{"path":1127,"name":26,"lang":33,"published":26},{"path":1127,"name":26,"lang":39,"published":26},{"path":1127,"name":26,"lang":41,"published":26},[33],[3445],{"_uid":3446,"link":3447,"asset":3448,"caption":52,"component":221},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":52,"url":52,"linktype":215,"fieldtype":103,"cached_url":216,"prep":42},{"id":3449,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3450,"copyright":52,"fieldtype":98,"meta_data":3451,"is_external_url":29},164060175892697,"https://a.storyblok.com/f/146026/1536x1024/28f26daba2/1773976987824-w4lbcl.png",{},"2026-09-11 00:00",[],"Analyse des écarts budgétaires : découvrez comment fixer les seuils, distinguer les causes et transformer le budget contre réel en outil de décision.",[],[3457],{"cta":3458,"_uid":3459,"items":3460,"heading":3511,"reverse":29,"component":1234,"sectionSettings":3535},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3461,3478,3489,3500],{"_uid":3462,"hide":29,"title":3463,"component":1153,"description":3464},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":114,"attrs":3465,"content":3466},{"backgroundColor":26},[3467],{"type":117,"attrs":3468,"content":3469},{"textAlign":26},[3470,3472,3476],{"text":3471,"type":123},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":3473,"type":123,"marks":3474},"projet reporté",[3475],{"type":180},{"text":3477,"type":123},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":3479,"hide":29,"title":3480,"component":1153,"description":3481},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":114,"attrs":3482,"content":3483},{"backgroundColor":26},[3484],{"type":117,"attrs":3485,"content":3486},{"textAlign":26},[3487],{"text":3488,"type":123},"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":3490,"hide":29,"title":3491,"component":1153,"description":3492},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":114,"attrs":3493,"content":3494},{"backgroundColor":26},[3495],{"type":117,"attrs":3496,"content":3497},{"textAlign":26},[3498],{"text":3499,"type":123},"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":3501,"hide":29,"title":3502,"component":1153,"description":3503},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":114,"attrs":3504,"content":3505},{"backgroundColor":26},[3506],{"type":117,"attrs":3507,"content":3508},{"textAlign":26},[3509],{"text":3510,"type":123},"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.",[3512],{"cta":3513,"_uid":3514,"title":3515,"eyebrow":3523,"subtitle":3530,"component":290,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3533,"sectionSettings":3534,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":114,"attrs":3516,"content":3517},{"backgroundColor":26},[3518],{"type":290,"attrs":3519,"content":3520},{"level":292,"textAlign":26},[3521],{"text":3522,"type":123},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":114,"attrs":3524,"content":3525},{"backgroundColor":26},[3526],{"type":117,"attrs":3527,"content":3528},{"textAlign":26},[3529],{"text":1228,"type":123},{"type":114,"content":3531},[3532],{"type":117},[],[],[],"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",[3545,3546,3547],{"path":3543,"name":26,"lang":33,"published":26},{"path":3543,"name":26,"lang":39,"published":26},{"path":3543,"name":26,"lang":41,"published":26},["Island",3549],{"key":3550,"result":3551},"MarkdownRenderer_iQcoasO7Mtp06mWxkm6kvJiI4vjdftaD2LzcW3PS6zY",{"head":3552},{"link":3553,"style":3554},[],[],1793980860407]