[{"data":1,"prerenderedAt":2717},["ShallowReactive",2],{"fr-blog/fiducie":3,"fr-global-content":580,"fr-article-global-content":1920,"fr-blog-article-more-articles-213437488":2176},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":567,"full_slug":568,"sort_by_date":61,"position":569,"tag_list":570,"is_startpage":29,"parent_id":571,"meta_data":61,"group_id":572,"first_published_at":573,"release_id":61,"lang":67,"path":61,"alternates":574,"default_full_slug":575,"translated_slugs":576},"La fiducie peut-elle sauver votre entreprise ?","2022-11-02T18:05:21.663Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:49.650Z",213437488,"b6d57111-9601-43d3-b085-8e20017a3e85",{"_uid":11,"roles":12,"title":4,"author":13,"topics":77,"content":136,"category":460,"language":486,"component":473,"heroMedia":487,"sidebarCta":494,"publishedAt":495,"readingTime":496,"redirectUrl":23,"listingImage":497,"metaDescription":498,"componentsAfterTheArticle":499},"82b461cd-c6f5-4768-8ab6-0e995d4bb9dc",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":45,"full_slug":60,"sort_by_date":61,"position":62,"tag_list":63,"is_startpage":29,"parent_id":64,"meta_data":61,"group_id":65,"first_published_at":66,"release_id":61,"lang":67,"path":61,"alternates":68,"default_full_slug":69,"translated_slugs":70,"_stopResolving":76},"Gabriel Autran","2022-10-19T17:44:02.412Z","2026-03-12T10:47:22.582Z",206167994,"c9a15b72-6cfa-4af4-9833-8cc8cc8eba55",{"_uid":20,"name":14,"links":21,"picture":43,"lastName":48,"component":49,"firstName":50,"description":51},"f296e8a3-b92d-4cc8-b994-b996e5bbefb1",[22,36],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","d51b7e7b-c635-49fc-99e7-3449e9ad75d1",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/in/gabriel-sahli-autran/","url","multilink","primary","cta",{"tag":23,"_uid":37,"icon":38,"link":41,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"ea366fce-8220-4640-8d16-f3b6ce616c6d",{"id":39,"alt":23,"name":23,"focus":23,"title":23,"filename":40,"copyright":23,"fieldtype":28,"is_external_url":29},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":23,"url":42,"linktype":32,"fieldtype":33,"cached_url":42},"https://twitter.com/GabSLATR",{"id":44,"alt":45,"name":23,"focus":23,"title":23,"source":23,"filename":46,"copyright":23,"fieldtype":28,"meta_data":47,"is_external_url":29},13791944,"gabriel-autran","https://a.storyblok.com/f/146026/698x624/43261643c7/gabriel-autran.png",{},"Autran","author","Gabriel",{"type":52,"content":53},"doc",[54],{"type":55,"content":56},"paragraph",[57],{"text":58,"type":59},"Chez Spendesk, Gabriel a pour mission de transformer la finance d'entreprise en sujet du quotidien. Après plus de 5 ans à écrire pour divers secteurs de la tech française, Gabriel s'est spécialisé dans l'assur-tech et la fintech,  dans le but de mettre en valeur les courants profonds à l'œuvre dans les méthodes et outils de gestion des ressources, observables dans les grandes structures comme pour les plus modestes entités.","text","fr/blog/author/gabriel-autran",null,-970,[],176408854,"1299388e-ba28-4bc4-9671-0f5c67eee9be","2022-11-02T15:25:41.087Z","fr",[],"blog/author/gabriel-autran",[71,72,74],{"path":69,"name":61,"lang":67,"published":61},{"path":69,"name":61,"lang":73,"published":61},"de",{"path":69,"name":61,"lang":75,"published":61},"es",true,[78,109],{"name":79,"created_at":80,"published_at":81,"updated_at":82,"id":83,"uuid":84,"content":85,"slug":96,"full_slug":97,"sort_by_date":61,"position":98,"tag_list":99,"is_startpage":29,"parent_id":100,"meta_data":61,"group_id":101,"first_published_at":102,"release_id":61,"lang":67,"path":61,"alternates":103,"default_full_slug":104,"translated_slugs":105,"_stopResolving":76},"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":86,"_uid":94,"name":79,"component":95},[87],{"_uid":88,"noIndex":29,"component":89,"metaFields":90},"003e6fa5-f394-4f34-9194-17a60fb3b7c7","seo",{"_uid":91,"plugin":92,"description":93},"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","tag","comptabilite","fr/blog/topic/comptabilite",-50,[],176456153,"0cd4ad6e-957d-466c-ad0c-f730e74c8b7a","2022-11-02T15:24:55.833Z",[],"blog/topic/comptabilite",[106,107,108],{"path":104,"name":61,"lang":67,"published":61},{"path":104,"name":61,"lang":73,"published":61},{"path":104,"name":61,"lang":75,"published":61},{"name":110,"created_at":111,"published_at":112,"updated_at":113,"id":114,"uuid":115,"content":116,"slug":124,"full_slug":125,"sort_by_date":61,"position":126,"tag_list":127,"is_startpage":29,"parent_id":100,"meta_data":61,"group_id":128,"first_published_at":129,"release_id":61,"lang":67,"path":61,"alternates":130,"default_full_slug":131,"translated_slugs":132,"_stopResolving":76},"Définitions","2022-10-19T17:57:53.036Z","2026-09-29T09:14:37.812Z","2026-09-29T09:14:37.831Z",206171414,"4eb63393-291f-41de-88a9-d09d440119df",{"seo":117,"_uid":123,"name":110,"component":95},[118],{"_uid":119,"noIndex":29,"component":89,"metaFields":120},"20d2123c-5272-4aa0-bc3c-97c0781f640b",{"_uid":121,"plugin":92,"description":122},"9620232a-9cde-4161-8917-50a897eaa0c7","Des definitions claires des termes finance et gestion des depenses, pour mieux comprendre le vocabulaire du metier.","4b129421-c813-4491-8835-bb3b4776fcc3","definitions","fr/blog/topic/definitions",-180,[],"a6a39cd8-f138-4757-9ab3-b801e1ea1a0d","2022-11-02T15:24:51.468Z",[],"blog/topic/definitions",[133,134,135],{"path":131,"name":61,"lang":67,"published":61},{"path":131,"name":61,"lang":73,"published":61},{"path":131,"name":61,"lang":75,"published":61},{"type":52,"content":137},[138,145,199,205,215,228,248,259,263,267,272,276,282,292,297,358,363,373,377,381,386,390,395,405,423,441,448],{"type":139,"attrs":140,"content":142},"heading",{"level":141},2,[143],{"text":144,"type":59},"Qu'est-ce que la fiducie ?",{"type":55,"content":146},[147,154,159,164,169,174,179,184,189,195],{"text":148,"type":59,"marks":149},"La fiducie est un concept similaire au ",[150],{"type":151,"attrs":152},"textStyle",{"color":153},"rgb(21, 38, 55)",{"text":155,"type":59,"marks":156},"trust",[157],{"type":158},"italic",{"text":160,"type":59,"marks":161}," dans le monde ",[162],{"type":151,"attrs":163},{"color":153},{"text":165,"type":59,"marks":166},"anglo-saxon",[167],{"type":151,"attrs":168},{"color":23},{"text":170,"type":59,"marks":171},". On peut distinguer dans le ",[172],{"type":151,"attrs":173},{"color":153},{"text":175,"type":59,"marks":176},"droit français",[177],{"type":151,"attrs":178},{"color":23},{"text":180,"type":59,"marks":181}," un point commun central :",[182],{"type":151,"attrs":183},{"color":153},{"text":185,"type":59,"marks":186}," faire confiance à un tiers pour la gestion des actifs d'une ",[187],{"type":188},"bold",{"text":190,"type":59,"marks":191},"personne physique",[192,193],{"type":188},{"type":151,"attrs":194},{"color":23},{"text":196,"type":59,"marks":197}," ou morale.",[198],{"type":188},{"type":139,"attrs":200,"content":202},{"level":201},3,[203],{"text":204,"type":59},"Qui peut bénéficier d'un acte de fiducie ?",{"type":55,"content":206},[207,209,213],{"text":208,"type":59},"Ce ",{"text":210,"type":59,"marks":211},"constituant",[212],{"type":158},{"text":214,"type":59}," sollicite ainsi les services fiduciaires d'un tiers pour répondre à ses besoins de gestion. Ce transfert de propriété est limité, dans la loi française, à un délai de 99 ans.",{"type":55,"content":216},[217,219,226],{"text":218,"type":59},"De même, l'usage du bien, de l'actif ou de la sûreté concerné par ce dispositif correspond à une fiscalité neutre de ",{"text":220,"type":59,"marks":221},"125 € en droit fixe",[222],{"type":223,"attrs":224},"link",{"href":225,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.senat.fr/rap/l06-011/l06-01111.html",{"text":227,"type":59},".",{"type":55,"content":229},[230,232,240,242,246],{"text":231,"type":59},"Les constituants font donc confiance à un tiers, qui peut être un établissement de crédit, ",{"text":233,"type":59,"marks":234},"d'assurance",[235],{"type":223,"attrs":236},{"href":237,"uuid":238,"anchor":61,"target":61,"linktype":239},"gestion-assurance","8c7de12b-0e37-4a4e-98be-a1a280df1ef7","story",{"text":241,"type":59}," ou un cabinet d'avocat. La gestion de ce tiers profite à un ",{"text":243,"type":59,"marks":244},"bénéficiaire.",[245],{"type":158},{"text":247,"type":59}," Ce dernier peut (mais n'est pas nécessairement) un constituant.",{"type":55,"content":249},[250],{"type":251,"attrs":252},"blok",{"id":253,"body":254},"ca64caf8-b841-4bc9-a94c-f88ffb99215d",[255],{"_uid":256,"html":257,"component":258},"dd7ba2f8-8109-4d76-8b7f-9c99b2fb80cb","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-ef819946-58bd-4190-9eea-e4e79745a4c0\">\u003Cspan class=\"hs-cta-node hs-cta-ef819946-58bd-4190-9eea-e4e79745a4c0\" id=\"hs-cta-ef819946-58bd-4190-9eea-e4e79745a4c0\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/ef819946-58bd-4190-9eea-e4e79745a4c0\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-ef819946-58bd-4190-9eea-e4e79745a4c0\" style=\"border-width:0px;\" height=\"630\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/ef819946-58bd-4190-9eea-e4e79745a4c0.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'ef819946-58bd-4190-9eea-e4e79745a4c0', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":55,"content":260},[261],{"text":262,"type":59},"Comme on peut donc le constater, solliciter un tiers et réaliser un contrat de fiducie implique de transférer une partie ou la totalité de ses actifs/passifs à un gestionnaire extérieur.",{"type":55,"content":264},[265],{"text":266,"type":59},"Comme nous allons le voir ci-dessous, ce modèle peut aussi bien concerner la gestion de patrimoine d'un particulier que l'assistance à une entreprise en difficulté.",{"type":139,"attrs":268,"content":269},{"level":141},[270],{"text":271,"type":59},"Quels sont les différents types de fiducies ?",{"type":55,"content":273},[274],{"text":275,"type":59},"Qu'il s'agisse donc de gestion d'un patrimoine ou du redressement d'une entreprise, on distingue 3 types d'actes fiduciaires distincts, pouvant répondre à des situations très diverses :",{"type":139,"attrs":277,"content":279},{"level":278},4,[280],{"text":281,"type":59},"La fiducie-gestion",{"type":55,"content":283},[284,286,290],{"text":285,"type":59},"La fiducie gestion ",{"text":287,"type":59,"marks":288},"consiste à donner à un gestionnaire, les clés d'une partie ou la totalité de son patrimoine afin de le faire fructifier.",[289],{"type":188},{"text":291,"type":59}," La fiducie gestion peut concerner la gestion du patrimoine d'un particulier ou",{"type":139,"attrs":293,"content":294},{"level":278},[295],{"text":296,"type":59},"La fiducie-transmission",{"type":55,"content":298},[299,304,309,314,318,322,326,331,336,341,347,354],{"text":300,"type":59,"marks":301},"Tout comme les trust funds américains, certains contrats ",[302],{"type":151,"attrs":303},{"color":153},{"text":305,"type":59,"marks":306},"fiduciaires",[307],{"type":151,"attrs":308},{"color":23},{"text":310,"type":59,"marks":311}," ont pour objectifs de confier et de faire fructifier la gestion d'un bien à un acteur externe, en attendant de pouvoir le transmettre à un bénéficiaire. Il s'agit là ",[312],{"type":151,"attrs":313},{"color":153},{"text":315,"type":59,"marks":316},"d'un des cas où le ",[317],{"type":188},{"text":210,"type":59,"marks":319},[320,321],{"type":188},{"type":158},{"text":323,"type":59,"marks":324}," n'est pas la même entité que le bénéficiaire. ",[325],{"type":188},{"text":327,"type":59,"marks":328},"Le transfert de biens ou droits supplémentaires au ",[329],{"type":151,"attrs":330},{"color":153},{"text":332,"type":59,"marks":333},"fiduciaire",[334],{"type":151,"attrs":335},{"color":23},{"text":337,"type":59,"marks":338}," dans les ",[339],{"type":151,"attrs":340},{"color":153},{"text":342,"type":59,"marks":343},"conditions prévues par l'article 2019 du ",[344],{"type":223,"attrs":345},{"href":346,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.legifrance.gouv.fr/codes/id/LEGISCTA000006118476/",{"text":348,"type":59,"marks":349},"code civil",[350,352],{"type":223,"attrs":351},{"href":346,"uuid":61,"anchor":61,"target":61,"linktype":32},{"type":151,"attrs":353},{"color":23},{"text":227,"type":59,"marks":355},[356],{"type":151,"attrs":357},{"color":153},{"type":139,"attrs":359,"content":360},{"level":278},[361],{"text":362,"type":59},"La fiducie-sûreté",{"type":55,"content":364},[365,367,371],{"text":366,"type":59},"Le dernier type de contrat de fiducie qui nous intéresse est celui faisant l'objet de l'attention particulière de cet article. ",{"text":368,"type":59,"marks":369},"La fiducie utilisée comme sûreté fait office de garantie",[370],{"type":188},{"text":372,"type":59},", envers les créanciers d'une entreprise, du bon paiement des dettes de cette dernière.",{"type":55,"content":374},[375],{"text":376,"type":59},"Il s'agit d'un mécanisme garantissant le remboursement en partie ou en intégralité d'un créancier, qui a ainsi l'exclusivité sur le bien ou le droit concerné par le contrat fiduciaire.",{"type":55,"content":378},[379],{"text":380,"type":59},"À retenir cependant, le concept central et récurrent de la fiducie comme la confiance à un tiers pour la gestion ou la mise en sécurité d'un actif/passif.",{"type":139,"attrs":382,"content":383},{"level":141},[384],{"text":385,"type":59},"Pourquoi faire appel à un service fiduciaire en cas de difficultés financières ?",{"type":55,"content":387},[388],{"text":389,"type":59},"Lors de passages difficiles pour une entité, les services de fiducie peuvent constituer une garantie pour les créanciers d'une entreprise. Cela permet d'envisager une réinjection de capitaux dans l'affaire, afin de pouvoir permettre à la société de se reprendre.",{"type":139,"attrs":391,"content":392},{"level":141},[393],{"text":394,"type":59},"La fiducie peut contribuer au refinancement d'une affaire - sous conditions",{"type":55,"content":396},[397,399,403],{"text":398,"type":59},"Il convient de retenir, cependant, qu'un contrat de fiducie implique une mise en hypothèque d'une partie ou de la totalité du capital de la société, à un créancier qui en a ",{"text":400,"type":59,"marks":401},"de facto",[402],{"type":158},{"text":404,"type":59}," la propriété.",{"type":55,"content":406},[407,409,421],{"text":408,"type":59},"Un acte de fiducie pour une entreprise met les biens de celle-ci dans les mains d'un autre gestionnaire, comme condition pour un nouveau financement de relance. La fiducie peut donc servir à mettre en place un système ",{"text":410,"type":59,"marks":411},"d'equitization",[412],{"type":223,"attrs":413},{"href":414,"uuid":415,"anchor":61,"target":61,"linktype":239,"story":416},"equity-definition","0abfb0c7-406a-4724-add2-05d7dc9fa3da",{"name":417,"id":418,"uuid":415,"slug":414,"url":419,"full_slug":420,"_stopResolving":76},"Equity : définition, avantages et inconvénients",208777198,"blog/equity-definition","fr/blog/equity-definition",{"text":422,"type":59}," du capital de la société, afin de rétablir des niveaux de dette plus pérennes, ou pour procéder à une nouvelle levée de fonds.",{"type":55,"content":424},[425,427,439],{"text":426,"type":59},"On peut ainsi considérer que l'acte fiduciaire peut faire partie intégrante d'un ",{"text":428,"type":59,"marks":429},"plan de financement",[430],{"type":223,"attrs":431},{"href":432,"uuid":433,"anchor":61,"target":61,"linktype":239,"story":434},"plan-de-financement","b4dfe19b-3fae-422b-87a8-6aea9235b9d2",{"name":435,"id":436,"uuid":433,"slug":432,"url":437,"full_slug":438,"_stopResolving":76},"Plan de financement de A à Z : guide pour PME",213437473,"blog/plan-de-financement","fr/blog/plan-de-financement",{"text":440,"type":59},", ou de refinancement d'une activité. Ce peut même être une pièce maîtresse d'une opération de sauvetage d'une affaire en difficulté.",{"type":55,"content":442},[443],{"type":251,"attrs":444},{"id":253,"body":445},[446],{"_uid":447,"html":257,"component":258},"31015ee5-8301-49cd-ae75-8feb7c214e5b",{"type":55,"content":449},[450,452,458],{"text":451,"type":59},"Néanmoins, il convient de garder à l'esprit que les créanciers bénéficiaires d'un acte de fiducie seront détenteurs d'une majeure partie ou de la totalité du capital de la société. La fiducie pour une entreprise n'est donc pas une question à prendre à la légère. Il convient donc, au préalable, d'établir un ",{"text":453,"type":59,"marks":454},"diagnostic financier",[455],{"type":223,"attrs":456},{"href":457,"uuid":61,"anchor":61,"target":61,"linktype":32},"https://www.spendesk.com/fr/glossaire/diagnostic-financier/",{"text":459,"type":59}," complet de son activité avant de solliciter des acteurs extérieurs.",{"name":461,"created_at":462,"published_at":6,"updated_at":463,"id":464,"uuid":465,"content":466,"slug":473,"full_slug":474,"sort_by_date":61,"position":475,"tag_list":476,"is_startpage":29,"parent_id":477,"meta_data":61,"group_id":478,"first_published_at":479,"release_id":61,"lang":67,"path":61,"alternates":480,"default_full_slug":481,"translated_slugs":482,"_stopResolving":76},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":467,"icon":468,"name":461,"component":472},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":469,"alt":470,"name":23,"focus":23,"title":23,"filename":471,"copyright":23,"fieldtype":28,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[483,484,485],{"path":481,"name":61,"lang":67,"published":61},{"path":481,"name":61,"lang":73,"published":61},{"path":481,"name":61,"lang":75,"published":61},[67],[488],{"_uid":489,"asset":490,"shadow":29,"caption":23,"overlay":492,"component":493},"930feb72-2e8a-44e3-b8e9-62139d25aa27",{"alt":23,"name":23,"focus":23,"title":23,"filename":491,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/1190x670/4e4f0d621c/blog-visual_fiducie_166.png",[],"image",[],"2023-06-08 00:00","3",[],"La fiducie est utilisée par les entreprises pour préserver leurs actifs sécuriser un investissement. Quels sont les avantages et les risques ?",[500],{"_uid":501,"items":502,"heading":540,"reverse":29,"component":558,"sectionSettings":559},"76491ffa-4843-46e5-93ac-7a20d4d088bd",[503,513,522,531],{"_uid":504,"title":505,"component":506,"description":507},"7427ce5e-5e2f-4104-b761-62181b8a5dab","Qu'est‑ce qu'une fiducie et comment fonctionne‑t‑elle ?","faqItem",{"type":52,"content":508},[509],{"type":55,"content":510},[511],{"text":512,"type":59},"Spendesk définit une fiducie comme un mécanisme juridique où un constituant transfère des actifs à un fiduciaire qui les gère pour le bénéfice de bénéficiaires. 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Ils demandent simplement des fonds pour un achat particulier et peuvent utiliser leur carte Spendesk physique ou virtuelle pour effectuer le paiement.",{"type":55,"content":2117},[2118],{"text":2119,"type":59},"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":55,"content":2121},[2122],{"text":2123,"type":59},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":55,"content":2125},[2126,2130,2131],{"text":2127,"type":59,"marks":2128},"Pour les équipes financières",[2129],{"type":188},{"type":2060},{"text":2132,"type":59},"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":55,"content":2134},[2135],{"text":2136,"type":59},"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":55,"content":2138},[2139],{"text":2140,"type":59},"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":55,"content":2142},[2143],{"text":2144,"type":59},"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":55,"content":2146},[2147],{"text":2148,"type":59},"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":55,"content":2150},[2151],{"text":2152,"type":59},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[2154],{"cta":2155,"_uid":2156,"title":2157,"eyebrow":2164,"subtitle":2167,"component":139,"textAlign":23,"sectionSettings":2173,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":52,"content":2158},[2159],{"type":139,"attrs":2160,"content":2161},{"level":141},[2162],{"text":2163,"type":59},"Démarrer avec Spendesk",{"type":52,"content":2165},[2166],{"type":55},{"type":52,"content":2168},[2169],{"type":55,"content":2170},[2171],{"text":2172,"type":59},"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",[2177,2317,2437,2585],{"name":2178,"created_at":2179,"published_at":2180,"updated_at":2181,"id":2182,"uuid":2183,"content":2184,"slug":2306,"full_slug":2307,"sort_by_date":61,"position":2308,"tag_list":2309,"is_startpage":29,"parent_id":571,"meta_data":61,"group_id":2310,"first_published_at":573,"release_id":61,"lang":67,"path":61,"alternates":2311,"default_full_slug":2312,"translated_slugs":2313},"Reporting financier : définition, KPIs et outils essentiels en 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00:00","7",[],"Découvrez comment mettre en place un reporting financier efficace en 2026 : définition, KPIs essentiels, outils comparés et bonnes pratiques pour les équipes finance.",[2216],{"cta":2217,"_uid":2224,"image":2225,"title":2230,"subtitle":23,"component":1953,"imageFullWidth":76},[2218],{"tag":23,"_uid":2219,"hide":29,"icon":2220,"link":2222,"type":23,"label":23,"style":34,"component":35,"mobileLabel":23,"onClickEvent":23,"openInANewTab":76,"horizontalFill":29},"8f280eed-66e2-445a-8fcf-ff54ec6df459",{"id":61,"alt":61,"name":23,"focus":61,"title":61,"source":61,"filename":23,"copyright":61,"fieldtype":28,"meta_data":2221},{},{"id":23,"url":2223,"linktype":32,"fieldtype":33,"cached_url":2223},"https://www.spendesk.com/fr/platform-tour/","578236f8-d58f-4e41-950a-f600088d0903",{"id":2226,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2227,"copyright":23,"fieldtype":28,"meta_data":2228,"is_external_url":29},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":2229},"1700x465",{"type":52,"content":2231},[2232],{"type":55},[2234],{"_uid":2235,"items":2236,"heading":2283,"reverse":29,"component":558,"sectionSettings":2300},"81e0b37c-4036-44cd-8f5d-be3370227346",[2237,2250,2260,2270],{"_uid":2238,"title":2239,"component":506,"description":2240},"73815418-c779-4f02-a1c3-6c4115bfb141","Quelle est la différence entre reporting financier et reporting comptable ?",{"type":52,"content":2241},[2242],{"type":55,"attrs":2243,"content":2244},{"textAlign":61},[2245],{"text":2246,"type":59,"marks":2247},"Le reporting comptable se concentre sur les obligations légales : bilan, compte de résultat et annexes. Le reporting financier est plus large. Il intègre des KPIs opérationnels, des indicateurs de performance par service et des données budgétaires. L'un répond aux exigences réglementaires, l'autre pilote la stratégie au quotidien.",[2248],{"type":151,"attrs":2249},{"color":23},{"_uid":2251,"title":2252,"component":506,"description":2253},"b3459e90-0165-421a-b9c7-85eba9183c6e","Quels sont les KPIs essentiels d'un reporting financier ?",{"type":52,"content":2254},[2255],{"type":55,"attrs":2256,"content":2257},{"textAlign":61},[2258],{"text":2259,"type":59},"Les indicateurs clés varient selon l'activité, mais les plus courants sont : chiffre d'affaires, marge brute, EBITDA, trésorerie disponible, écart budget vs réalisé et DSO (délai de paiement clients). L'essentiel est de choisir les KPIs avec les managers concernés, pas uniquement avec le contrôle de gestion.",{"_uid":2261,"title":2262,"component":506,"description":2263},"88b846b8-ee3c-498a-b8f9-e10829fdf7c2","Quel outil de reporting financier choisir pour une PME ?",{"type":52,"content":2264},[2265],{"type":55,"attrs":2266,"content":2267},{"textAlign":61},[2268],{"text":2269,"type":59},"Pour une PME, les options les plus adaptées sont : Power BI (version gratuite disponible), Excel pour les premiers reportings, ou un outil intégré à votre logiciel de gestion (ERP, solution de gestion des dépenses comme Spendesk). Le critère principal : que la mise à jour des données soit automatisée et fiable.",{"_uid":2271,"title":2272,"component":506,"description":2273},"cb8b3c02-8373-43bf-bdbe-e95815896371","Comment Spendesk permet-il de centraliser le reporting des dépenses ?",{"type":52,"content":2274},[2275],{"type":55,"attrs":2276,"content":2277},{"textAlign":61},[2278],{"text":2279,"type":59,"marks":2280},"Spendesk regroupe toutes les dépenses opérationnelles (cartes, factures fournisseurs, notes de frais) dans un tableau de bord unique, mis à jour en temps réel. Vous pouvez suivre les dépenses par équipe, projet ou centre de coût, configurer des alertes budgétaires et exporter automatiquement vers votre ERP ou logiciel comptable (Sage, Pennylane, Netsuite...)",[2281],{"type":151,"attrs":2282},{"color":23},[2284],{"cta":2285,"_uid":2286,"title":2287,"eyebrow":2293,"subtitle":2296,"component":139,"textAlign":23,"sectionSettings":2299,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"315f12c5-923c-47ba-b67a-1d80f096399e",{"type":52,"content":2288},[2289],{"type":139,"attrs":2290,"content":2291},{"level":141},[2292],{"text":879,"type":59},{"type":52,"content":2294},[2295],{"type":55},{"type":52,"content":2297},[2298],{"type":55},[],[2301],{"_uid":2302,"hide":29,"theme":562,"anchorId":23,"component":563,"spacingTop":23,"hideOnDevices":2303,"spacingBottom":23,"floatingImages":2304,"variableOverrides":2305},"c292cb86-2adb-4a3e-b4f3-578ed6e2c1d8",[],[],[],"reporting-financier","fr/blog/reporting-financier",2960,[],"72c37c5d-3a39-440e-99e4-c2a4b23c929a",[],"blog/reporting-financier",[2314,2315,2316],{"path":2312,"name":61,"lang":67,"published":61},{"path":2312,"name":61,"lang":73,"published":61},{"path":2312,"name":61,"lang":75,"published":61},{"name":2318,"created_at":2319,"published_at":2320,"updated_at":2321,"id":2322,"uuid":2323,"content":2324,"slug":2425,"full_slug":2426,"sort_by_date":61,"position":2427,"tag_list":2428,"is_startpage":29,"parent_id":571,"meta_data":61,"group_id":2429,"first_published_at":2430,"release_id":61,"lang":67,"path":61,"alternates":2431,"default_full_slug":2432,"translated_slugs":2433},"Compte de résultat : savoir l’analyser et le piloter toute l’année","2022-11-03T20:41:20.219Z","2026-11-03T12:11:13.851Z","2026-11-03T12:11:13.879Z",214317378,"8b8b6b57-a556-43c2-b823-5b077d351b3b",{"_uid":2325,"title":2318,"topics":2326,"category":2335,"language":2344,"component":473,"heroMedia":2345,"publishedAt":2351,"readingTime":2352,"redirectUrl":23,"listingImage":2353,"metaDescription":2354,"componentsAfterTheArticle":2355},"6fadfb3a-4986-403c-a215-84c24f1f91b6",[2327],{"name":79,"created_at":80,"published_at":81,"updated_at":82,"id":83,"uuid":84,"content":2328,"slug":96,"full_slug":97,"sort_by_date":61,"position":98,"tag_list":2329,"is_startpage":29,"parent_id":100,"meta_data":61,"group_id":101,"first_published_at":102,"release_id":61,"lang":67,"path":61,"alternates":2330,"default_full_slug":104,"translated_slugs":2331,"_stopResolving":76},{"_uid":94,"name":79,"component":95},[],[],[2332,2333,2334],{"path":104,"name":61,"lang":67,"published":61},{"path":104,"name":61,"lang":73,"published":61},{"path":104,"name":61,"lang":75,"published":61},{"name":461,"created_at":462,"published_at":6,"updated_at":463,"id":464,"uuid":465,"content":2336,"slug":473,"full_slug":474,"sort_by_date":61,"position":475,"tag_list":2338,"is_startpage":29,"parent_id":477,"meta_data":61,"group_id":478,"first_published_at":479,"release_id":61,"lang":67,"path":61,"alternates":2339,"default_full_slug":481,"translated_slugs":2340,"_stopResolving":76},{"_uid":467,"icon":2337,"name":461,"component":472},{"id":469,"alt":470,"name":23,"focus":23,"title":23,"filename":471,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[2341,2342,2343],{"path":481,"name":61,"lang":67,"published":61},{"path":481,"name":61,"lang":73,"published":61},{"path":481,"name":61,"lang":75,"published":61},[67],[2346],{"_uid":2347,"asset":2348,"shadow":29,"caption":23,"overlay":2350,"component":493},"43753aa3-698e-4ee4-b71b-443910ebbf90",{"alt":23,"name":23,"focus":23,"title":23,"filename":2349,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/1190x670/faba65c063/compte-de-resultat.png",[],"2023-06-12 00:00","11",[],"Le compte de résultat revêt de multiples formes dans une entreprise. Voici un panorama complet avec les manières de l’analyser et de le piloter au mieux.",[2356],{"_uid":2357,"items":2358,"heading":2402,"reverse":29,"component":558,"sectionSettings":2419},"ce0189dc-6873-40ce-b9e9-95407a7b1932",[2359,2367,2375,2384,2393],{"_uid":2360,"title":2035,"component":506,"description":2361},"07b01cee-a6c9-446a-b2fd-a06cb74a4873",{"type":52,"content":2362},[2363],{"type":55,"content":2364},[2365],{"text":2366,"type":59},"La gestion des dépenses est le processus centralisé de contrôle et de suivi des dépenses professionnelles. Spendesk centralise les paiements via cartes physiques et virtuelles, automatise les notes de frais et la collecte des justificatifs, impose des limites et flux d'approbation, et catégorise les dépenses pour faciliter la réconciliation comptable et le pilotage de trésorerie en temps réel.",{"_uid":2368,"title":2096,"component":506,"description":2369},"9239e042-0d2b-4a22-b138-e814a5ba8695",{"type":52,"content":2370},[2371],{"type":55,"content":2372},[2373],{"text":2374,"type":59},"Spendesk est une plateforme de gestion des dépenses qui combine moyens de paiement, règles d'approbation et automatisation comptable. Spendesk émet des cartes physiques et virtuelles, assigne des budgets et limites par collaborateur, capture les justificatifs via l'application mobile et exporte les dépenses catégorisées vers les logiciels comptables pour accélérer la clôture et la réconciliation.",{"_uid":2376,"title":2377,"component":506,"description":2378},"75cf1044-c549-4b17-97d0-0db827b73249","Qu'est-ce qu'un compte de résultat et pourquoi est-il important ?",{"type":52,"content":2379},[2380],{"type":55,"content":2381},[2382],{"text":2383,"type":59},"Un compte de résultat détaille les produits et les charges d'une période pour mesurer le résultat net. Spendesk catégorise automatiquement les dépenses et applique les taux de TVA, puis exporte les écritures vers le service comptable, ce qui permet d'alimenter précisément le compte de résultat et d'identifier les postes de dépense à optimiser pour améliorer la marge.",{"_uid":2385,"title":2386,"component":506,"description":2387},"a213c836-ceb6-4075-a3b2-582923ef0c76","Comment analyser un compte de résultat pour piloter la performance ?",{"type":52,"content":2388},[2389],{"type":55,"content":2390},[2391],{"text":2392,"type":59},"Analyser un compte de résultat consiste à comparer postes de charges et produits, suivre les marges et détecter les variations structurelles. Spendesk fournit des tableaux de bord, des rapports segmentés et le suivi par centre de coût, ce qui facilite l'identification des dérives de dépenses et la prise de décisions basées sur des données catégorisées.",{"_uid":2394,"title":2395,"component":506,"description":2396},"22d08b11-9c84-45d5-b610-b5c7549dd9e1","Quels indicateurs financiers suivre sur le compte de résultat ?",{"type":52,"content":2397},[2398],{"type":55,"content":2399},[2400],{"text":2401,"type":59},"Les indicateurs clés à suivre sont la marge brute, la marge opérationnelle, le coût des ventes et la part des charges fixes versus variables. Spendesk permet d'affecter chaque dépense par catégorie et centre de coût et de générer des rapports prêts à l'export pour calculer ces indicateurs avec précision dans l'outil de reporting financier.",[2403],{"cta":2404,"_uid":2405,"title":2406,"eyebrow":2412,"subtitle":2415,"component":139,"textAlign":23,"sectionSettings":2418,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"a20a0510-7083-45a1-b1ac-a90af0dfca6a",{"type":52,"content":2407},[2408],{"type":139,"attrs":2409,"content":2410},{"level":141},[2411],{"text":879,"type":59},{"type":52,"content":2413},[2414],{"type":55},{"type":52,"content":2416},[2417],{"type":55},[],[2420],{"_uid":2421,"hide":29,"theme":562,"anchorId":23,"component":563,"spacingTop":23,"hideOnDevices":2422,"spacingBottom":23,"floatingImages":2423,"variableOverrides":2424},"3fe9b01e-2397-4745-8387-bc573146a285",[],[],[],"compte-de-resultat","fr/blog/compte-de-resultat",1740,[],"424a9cf4-f606-4ae2-8ac8-14b968150465","2022-11-04T10:30:23.934Z",[],"blog/compte-de-resultat",[2434,2435,2436],{"path":2432,"name":61,"lang":67,"published":61},{"path":2432,"name":61,"lang":73,"published":61},{"path":2432,"name":61,"lang":75,"published":61},{"name":2438,"created_at":2439,"published_at":2440,"updated_at":2441,"id":2442,"uuid":2443,"content":2444,"slug":2574,"full_slug":2575,"sort_by_date":61,"position":2576,"tag_list":2577,"is_startpage":29,"parent_id":571,"meta_data":61,"group_id":2578,"first_published_at":2440,"release_id":61,"lang":67,"path":61,"alternates":2579,"default_full_slug":2580,"translated_slugs":2581},"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":2445,"title":2438,"topics":2446,"noIndex":29,"category":2455,"language":2464,"readTime":23,"component":473,"heroMedia":2465,"publishedAt":2473,"redirectUrl":23,"leadwallForm":2474,"listingImage":2475,"leadwallTitle":23,"metaDescription":2476,"bottomArticleCta":2477,"leadwallSubtitle":23,"isLeadwallEnabled":29,"componentsAfterTheArticle":2478,"leadwallVisibleParagraphs":23},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[2447],{"name":79,"created_at":80,"published_at":81,"updated_at":82,"id":83,"uuid":84,"content":2448,"slug":96,"full_slug":97,"sort_by_date":61,"position":98,"tag_list":2449,"is_startpage":29,"parent_id":100,"meta_data":61,"group_id":101,"first_published_at":102,"release_id":61,"lang":67,"path":61,"alternates":2450,"default_full_slug":104,"translated_slugs":2451,"_stopResolving":76},{"_uid":94,"name":79,"component":95},[],[],[2452,2453,2454],{"path":104,"name":61,"lang":67,"published":61},{"path":104,"name":61,"lang":73,"published":61},{"path":104,"name":61,"lang":75,"published":61},{"name":461,"created_at":462,"published_at":6,"updated_at":463,"id":464,"uuid":465,"content":2456,"slug":473,"full_slug":474,"sort_by_date":61,"position":475,"tag_list":2458,"is_startpage":29,"parent_id":477,"meta_data":61,"group_id":478,"first_published_at":479,"release_id":61,"lang":67,"path":61,"alternates":2459,"default_full_slug":481,"translated_slugs":2460,"_stopResolving":76},{"_uid":467,"icon":2457,"name":461,"component":472},{"id":469,"alt":470,"name":23,"focus":23,"title":23,"filename":471,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[2461,2462,2463],{"path":481,"name":61,"lang":67,"published":61},{"path":481,"name":61,"lang":73,"published":61},{"path":481,"name":61,"lang":75,"published":61},[67],[2466],{"_uid":2467,"link":2468,"asset":2469,"caption":23,"component":493},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":23,"url":23,"linktype":239,"fieldtype":33,"cached_url":1648,"prep":76},{"id":2470,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2471,"copyright":23,"fieldtype":28,"meta_data":2472,"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",[],[2479],{"cta":2480,"_uid":2481,"items":2482,"heading":2549,"reverse":29,"component":558,"sectionSettings":2573},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[2483,2494,2505,2516,2527,2538],{"_uid":2484,"hide":29,"title":2485,"component":506,"description":2486},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":52,"attrs":2487,"content":2488},{"backgroundColor":61},[2489],{"type":55,"attrs":2490,"content":2491},{"textAlign":61},[2492],{"text":2493,"type":59},"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":2495,"hide":29,"title":2496,"component":506,"description":2497},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":52,"attrs":2498,"content":2499},{"backgroundColor":61},[2500],{"type":55,"attrs":2501,"content":2502},{"textAlign":61},[2503],{"text":2504,"type":59},"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":2506,"hide":29,"title":2507,"component":506,"description":2508},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":52,"attrs":2509,"content":2510},{"backgroundColor":61},[2511],{"type":55,"attrs":2512,"content":2513},{"textAlign":61},[2514],{"text":2515,"type":59},"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":2517,"hide":29,"title":2518,"component":506,"description":2519},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":52,"attrs":2520,"content":2521},{"backgroundColor":61},[2522],{"type":55,"attrs":2523,"content":2524},{"textAlign":61},[2525],{"text":2526,"type":59},"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":2528,"hide":29,"title":2529,"component":506,"description":2530},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":52,"attrs":2531,"content":2532},{"backgroundColor":61},[2533],{"type":55,"attrs":2534,"content":2535},{"textAlign":61},[2536],{"text":2537,"type":59},"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":2539,"hide":29,"title":2540,"component":506,"description":2541},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":52,"attrs":2542,"content":2543},{"backgroundColor":61},[2544],{"type":55,"attrs":2545,"content":2546},{"textAlign":61},[2547],{"text":2548,"type":59},"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.",[2550],{"cta":2551,"_uid":2552,"title":2553,"layout":23,"eyebrow":2561,"subtitle":2568,"component":139,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2571,"sectionSettings":2572,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":52,"attrs":2554,"content":2555},{"backgroundColor":61},[2556],{"type":139,"attrs":2557,"content":2558},{"level":141,"textAlign":61},[2559],{"text":2560,"type":59},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":52,"attrs":2562,"content":2563},{"backgroundColor":61},[2564],{"type":55,"attrs":2565,"content":2566},{"textAlign":61},[2567],{"text":879,"type":59},{"type":52,"content":2569},[2570],{"type":55},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[2582,2583,2584],{"path":2580,"name":61,"lang":67,"published":61},{"path":2580,"name":61,"lang":73,"published":61},{"path":2580,"name":61,"lang":75,"published":61},{"name":2586,"created_at":2587,"published_at":2588,"updated_at":2589,"id":2590,"uuid":2591,"content":2592,"slug":2705,"full_slug":2706,"sort_by_date":61,"position":2707,"tag_list":2708,"is_startpage":29,"parent_id":571,"meta_data":61,"group_id":2709,"first_published_at":2710,"release_id":61,"lang":67,"path":61,"alternates":2711,"default_full_slug":2712,"translated_slugs":2713},"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":2593,"title":2586,"topics":2594,"noIndex":29,"category":2603,"language":2612,"component":473,"heroMedia":2613,"publishedAt":2621,"redirectUrl":23,"listingImage":2622,"metaDescription":2623,"bottomArticleCta":2624,"componentsAfterTheArticle":2625},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[2595],{"name":79,"created_at":80,"published_at":81,"updated_at":82,"id":83,"uuid":84,"content":2596,"slug":96,"full_slug":97,"sort_by_date":61,"position":98,"tag_list":2597,"is_startpage":29,"parent_id":100,"meta_data":61,"group_id":101,"first_published_at":102,"release_id":61,"lang":67,"path":61,"alternates":2598,"default_full_slug":104,"translated_slugs":2599,"_stopResolving":76},{"_uid":94,"name":79,"component":95},[],[],[2600,2601,2602],{"path":104,"name":61,"lang":67,"published":61},{"path":104,"name":61,"lang":73,"published":61},{"path":104,"name":61,"lang":75,"published":61},{"name":461,"created_at":462,"published_at":6,"updated_at":463,"id":464,"uuid":465,"content":2604,"slug":473,"full_slug":474,"sort_by_date":61,"position":475,"tag_list":2606,"is_startpage":29,"parent_id":477,"meta_data":61,"group_id":478,"first_published_at":479,"release_id":61,"lang":67,"path":61,"alternates":2607,"default_full_slug":481,"translated_slugs":2608,"_stopResolving":76},{"_uid":467,"icon":2605,"name":461,"component":472},{"id":469,"alt":470,"name":23,"focus":23,"title":23,"filename":471,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[2609,2610,2611],{"path":481,"name":61,"lang":67,"published":61},{"path":481,"name":61,"lang":73,"published":61},{"path":481,"name":61,"lang":75,"published":61},[67],[2614],{"_uid":2615,"link":2616,"asset":2617,"caption":23,"component":493},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":23,"url":23,"linktype":239,"fieldtype":33,"cached_url":1648,"prep":76},{"id":2618,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2619,"copyright":23,"fieldtype":28,"meta_data":2620,"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.",[],[2626],{"cta":2627,"_uid":2628,"items":2629,"heading":2680,"reverse":29,"component":558,"sectionSettings":2704},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[2630,2647,2658,2669],{"_uid":2631,"hide":29,"title":2632,"component":506,"description":2633},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":52,"attrs":2634,"content":2635},{"backgroundColor":61},[2636],{"type":55,"attrs":2637,"content":2638},{"textAlign":61},[2639,2641,2645],{"text":2640,"type":59},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":2642,"type":59,"marks":2643},"projet reporté",[2644],{"type":188},{"text":2646,"type":59},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":2648,"hide":29,"title":2649,"component":506,"description":2650},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":52,"attrs":2651,"content":2652},{"backgroundColor":61},[2653],{"type":55,"attrs":2654,"content":2655},{"textAlign":61},[2656],{"text":2657,"type":59},"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":2659,"hide":29,"title":2660,"component":506,"description":2661},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":52,"attrs":2662,"content":2663},{"backgroundColor":61},[2664],{"type":55,"attrs":2665,"content":2666},{"textAlign":61},[2667],{"text":2668,"type":59},"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":2670,"hide":29,"title":2671,"component":506,"description":2672},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":52,"attrs":2673,"content":2674},{"backgroundColor":61},[2675],{"type":55,"attrs":2676,"content":2677},{"textAlign":61},[2678],{"text":2679,"type":59},"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.",[2681],{"cta":2682,"_uid":2683,"title":2684,"eyebrow":2692,"subtitle":2699,"component":139,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2702,"sectionSettings":2703,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":52,"attrs":2685,"content":2686},{"backgroundColor":61},[2687],{"type":139,"attrs":2688,"content":2689},{"level":141,"textAlign":61},[2690],{"text":2691,"type":59},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":52,"attrs":2693,"content":2694},{"backgroundColor":61},[2695],{"type":55,"attrs":2696,"content":2697},{"textAlign":61},[2698],{"text":879,"type":59},{"type":52,"content":2700},[2701],{"type":55},[],[],[],"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",[2714,2715,2716],{"path":2712,"name":61,"lang":67,"published":61},{"path":2712,"name":61,"lang":73,"published":61},{"path":2712,"name":61,"lang":75,"published":61},1793980891658]