[{"data":1,"prerenderedAt":2592},["ShallowReactive",2],{"fr-blog/gerer-anticiper-probleme-tresorerie":3,"fr-global-content":518,"fr-article-global-content":1859,"fr-blog-article-more-articles-208729870":2110},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":505,"full_slug":506,"sort_by_date":60,"position":507,"tag_list":508,"is_startpage":30,"parent_id":509,"meta_data":60,"group_id":510,"first_published_at":511,"release_id":60,"lang":66,"path":60,"alternates":512,"default_full_slug":513,"translated_slugs":514},"7 astuces pour gérer et anticiper un problème de trésorerie","2022-10-24T15:37:33.722Z","2026-03-12T13:10:28.927Z","2026-03-12T13:10:28.961Z",208729870,"7a32f6e1-bdaa-48be-b525-357095002edd",{"_uid":11,"roles":12,"title":4,"author":13,"topics":76,"content":108,"noIndex":30,"category":391,"language":417,"component":404,"heroMedia":418,"sidebarCta":424,"publishedAt":425,"readingTime":426,"redirectUrl":24,"listingImage":427,"metaDescription":24,"componentsAfterTheArticle":428},"b0a6a8d5-d228-45ed-812b-9fe1d8a3cdb0",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":58,"full_slug":59,"sort_by_date":60,"position":61,"tag_list":62,"is_startpage":30,"parent_id":63,"meta_data":60,"group_id":64,"first_published_at":65,"release_id":60,"lang":66,"path":60,"alternates":67,"default_full_slug":68,"translated_slugs":69,"_stopResolving":75},"Faustine Rohr-Lacoste","2022-10-19T17:35:55.545Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.862Z",206165068,"d4a7ed1e-5d21-41fb-bb7c-2c248ea8e138",{"_uid":21,"name":14,"links":22,"picture":44,"lastName":46,"component":47,"firstName":48,"description":49},"679675f6-4bbb-4803-9de2-e5f8782359b3",[23,37],{"tag":24,"_uid":25,"icon":26,"link":31,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"","0b7430de-7fc4-469d-8538-693cf73ae98c",{"id":27,"alt":24,"name":24,"focus":24,"title":24,"filename":28,"copyright":24,"fieldtype":29,"is_external_url":30},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":24,"url":32,"linktype":33,"fieldtype":34,"cached_url":32},"https://www.linkedin.com/in/faustine-rohr-lacoste-47787393/","url","multilink","primary","cta",{"tag":24,"_uid":38,"icon":39,"link":42,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"083f5ccf-d27f-49fa-a4e3-cae1940a4da4",{"id":40,"alt":24,"name":24,"focus":24,"title":24,"filename":41,"copyright":24,"fieldtype":29,"is_external_url":30},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":24,"url":43,"linktype":33,"fieldtype":34,"cached_url":43},"https://twitter.com/FaustineRL",{"alt":45,"name":24,"focus":24,"title":24,"filename":45,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/433x433/27a687f561/faustine-photo.png","Rohr-Lacoste","author","Faustine",{"type":50,"content":51},"doc",[52],{"type":53,"content":54},"paragraph",[55],{"text":56,"type":57},"Faustine is Head of Community at Spendesk. She is in charge of CFO Connect, a community of modern finance leaders.","text","faustine-rohr-lacoste","fr/blog/author/faustine-rohr-lacoste",null,-60,[],176408854,"8e827db8-3c56-46b4-bc3a-d2cdb598ddc3","2022-11-02T15:26:18.586Z","fr",[],"blog/author/faustine-rohr-lacoste",[70,71,73],{"path":68,"name":60,"lang":66,"published":60},{"path":68,"name":60,"lang":72,"published":60},"de",{"path":68,"name":60,"lang":74,"published":60},"es",true,[77],{"name":78,"created_at":79,"published_at":80,"updated_at":81,"id":82,"uuid":83,"content":84,"slug":95,"full_slug":96,"sort_by_date":60,"position":97,"tag_list":98,"is_startpage":30,"parent_id":99,"meta_data":60,"group_id":100,"first_published_at":101,"release_id":60,"lang":66,"path":60,"alternates":102,"default_full_slug":103,"translated_slugs":104,"_stopResolving":75},"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":85,"_uid":93,"name":78,"component":94},[86],{"_uid":87,"noIndex":30,"component":88,"metaFields":89},"003e6fa5-f394-4f34-9194-17a60fb3b7c7","seo",{"_uid":90,"plugin":91,"description":92},"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",[105,106,107],{"path":103,"name":60,"lang":66,"published":60},{"path":103,"name":60,"lang":72,"published":60},{"path":103,"name":60,"lang":74,"published":60},{"type":50,"content":109},[110,114,134,138,165,173,180,186,190,194,206,211,215,227,232,243,263,268,272,276,280,287,292,296,301,320,324,336,341,345,349,353,358,368,372,376,380],{"type":53,"content":111},[112],{"text":113,"type":57},"En 2020 et d'après l'étude du cabinet Altarès, on a observé \"seulement\" 32 184 défaillances d'entreprises, soit le chiffre le plus bas depuis 1987. Un paradoxe intéressant au vu de la crise sanitaire et économique qui a eu lieu cette même année.",{"type":53,"content":115},[116,118,132],{"text":117,"type":57},"Un signe encourageant, qui ne doit pourtant pas masquer la réalité : les ",{"text":119,"type":57,"marks":120},"problèmes de trésorerie",[121],{"type":122,"attrs":123},"link",{"href":124,"uuid":125,"anchor":60,"target":60,"linktype":126,"story":127},"mauvaise-gestion-tresorerie","b0d37a61-5200-42d4-821e-f72f5df1fa3d","story",{"name":128,"id":129,"uuid":125,"slug":124,"url":130,"full_slug":131,"_stopResolving":75},"Mauvaise gestion de trésorerie : sécurisez votre entreprise",208733131,"blog/mauvaise-gestion-tresorerie","fr/blog/mauvaise-gestion-tresorerie",{"text":133,"type":57}," (insuffisance de ressources propres, sous-estimation des investissements à réaliser ou des délais de paiement, endettement trop élevé, etc) demeurent l’une des principales causes de décès des entreprises.",{"type":53,"content":135},[136],{"text":137,"type":57},"Et quand un problème de trésorerie survient, il est bien souvent trop tard pour se retourner. Voici quelques conseils pour :",{"type":139,"attrs":140,"content":143},"ordered_list",{"order":141,"key":142},1,"ol-0",[144,156],{"type":145,"content":146},"list_item",[147],{"type":53,"content":148},[149,154],{"text":150,"type":57,"marks":151},"Rétablir une situation respirable dans l’urgence",[152],{"type":153},"bold",{"text":155,"type":57},".",{"type":145,"content":157},[158],{"type":53,"content":159},[160,164],{"text":161,"type":57,"marks":162},"Anticiper les problèmes à l’avenir",[163],{"type":153},{"text":155,"type":57},{"type":53,"content":166},[167],{"type":168,"attrs":169},"image",{"id":60,"alt":170,"src":171,"title":60,"source":60,"copyright":60,"meta_data":172},"gestion-tresorerie-entreprise-article-spendesk-tableaux","https://get.spendesk.com/hubfs/gestion-tresorerie-entreprise-article-spendesk-tableaux.jpg",{},{"type":174,"attrs":175,"content":177},"heading",{"level":176},2,[178],{"text":179,"type":57},"Réagir en urgence face à un problème de trésorerie",{"type":174,"attrs":181,"content":183},{"level":182},3,[184],{"text":185,"type":57},"1. Faites rentrer du \"cash\" dès que possible",{"type":53,"content":187},[188],{"text":189,"type":57},"Bien évidemment, en cas de manque et de trou dans la caisse, il faut renflouer immédiatement.",{"type":53,"content":191},[192],{"text":193,"type":57},"Vous pourrez d’abord mettre la pression à vos clients afin qu’ils recouvrent leurs créances. Une première relance commerciale par e-mail, puis par téléphone, devrait suffire à déclencher l’encaissement de l’impayé. Bien souvent, une simple relance vous dira s’il s’agit d’un oubli, d’une difficulté passagère de trésorerie ou d’une contestation de facture. Cela ne portera pas préjudice à votre relation avec le client. Si la relance reste sans effet, vous avez ensuite la possibilité d’engager une procédure de recouvrement amiable.",{"type":53,"content":195},[196,198,204],{"text":197,"type":57},"Seconde solution : vous pouvez vendre vos créances, moyennant une commission, à une société d’affacturage. L'affactureur gèrera pour vous l'",{"text":199,"type":57,"marks":200},"enregistrement des factures",[201],{"type":122,"attrs":202},{"href":203,"uuid":24,"anchor":60,"target":60,"linktype":126},"facture-fournisseur-comptabilit%C3%A9-perte",{"text":205,"type":57},", la relance des débiteurs et assurera les encaissements et le service contentieux en cas de non-paiement. Il avancera également le montant des créances, ce qui facilitera considérablement votre gestion. A ce titre, pensez à solliciter des services en ligne comme Finexkap, qui vous répondent en 48h.",{"type":174,"attrs":207,"content":208},{"level":182},[209],{"text":210,"type":57},"2. Négociez vos paiements fournisseurs",{"type":53,"content":212},[213],{"text":214,"type":57},"Entretenir une bonne relation avec vos fournisseurs est primordial et peut vous aider à libérer plus de liquidités. En discutant avec vos fournisseurs principaux, vous pourrez négocier un délai de paiement afin de retarder vos sorties de cash.",{"type":53,"content":216},[217,219,225],{"text":218,"type":57},"Sachez cependant qu’en France, les ",{"text":220,"type":57,"marks":221},"délais de paiement",[222],{"type":122,"attrs":223},{"href":224,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.economie.gouv.fr/dgccrf/Publications/Vie-pratique/fiches-pratiques/Delais-de-paiement",{"text":226,"type":57}," sont plafonnés légalement. Ils ne peuvent dépasser 60 jours calendaires (ou 45 jours fin de mois) à compter de la date d’émission de la facture.",{"type":174,"attrs":228,"content":229},{"level":182},[230],{"text":231,"type":57},"3. Trouvez un crédit rapidement",{"type":53,"content":233},[234,236,241],{"text":235,"type":57},"La bonne santé du financement participatif, notamment dans le domaine du prêt (",{"text":237,"type":57,"marks":238},"crowdlending",[239],{"type":240},"italic",{"text":242,"type":57},"), permet désormais aux entreprises d’emprunter rapidement de l’argent auprès du grand public pour financer leurs projets.",{"type":53,"content":244},[245,247,253,255,261],{"text":246,"type":57},"Sur des plateformes comme ",{"text":248,"type":57,"marks":249},"October",[250],{"type":122,"attrs":251},{"href":252,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://fr.october.eu/",{"text":254,"type":57},", vous pouvez emprunter de 30 000 € à 3 000 000 € avec une offre ferme sous 48 heures et sans garantie personnelle. ",{"text":256,"type":57,"marks":257},"Unilend",[258],{"type":122,"attrs":259},{"href":260,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.unilend.fr/",{"text":262,"type":57}," vous propose d’obtenir entre 10 000 et 500 000 euros en 3 jours.",{"type":174,"attrs":264,"content":265},{"level":182},[266],{"text":267,"type":57},"4. Cédez de la marge au profit du cash",{"type":53,"content":269},[270],{"text":271,"type":57},"Si un problème de trésorerie survient, il faudra changer votre vision et privilégier le cash par rapport à la rentabilité.",{"type":53,"content":273},[274],{"text":275,"type":57},"Cela signifie qu'il faut accepter temporairement de perdre de la marge pour gagner de la trésorerie. Par exemple, si vous avez l'habitude de faire des achats en grande quantité pour bénéficier de prix unitaires plus faibles, vous devrez achetez moins pour limiter vos décaissements.",{"type":53,"content":277},[278],{"text":279,"type":57},"De même, vous pouvez mener des opérations ciblées de vente à prix réduit pour renflouer les caisses rapidement. Quand vos soucis de trésorerie seront réglés, vous pourrez à nouveau vous concentrer sur l'optimisation des bénéfices.",{"type":53,"content":281},[282],{"type":168,"attrs":283},{"id":60,"alt":284,"src":285,"title":60,"source":60,"copyright":60,"meta_data":286},"benefice-financier-entreprise-tresorerie-article-spendesk","https://get.spendesk.com/hubfs/benefice-financier-entreprise-tresorerie-article-spendesk.jpg",{},{"type":174,"attrs":288,"content":289},{"level":176},[290],{"text":291,"type":57},"Astuces pour anticiper les problèmes de trésorerie",{"type":53,"content":293},[294],{"text":295,"type":57},"Pour vous prémunir contre les risques de rupture de cash : ANTICIPEZ !",{"type":174,"attrs":297,"content":298},{"level":182},[299],{"text":300,"type":57},"1. Faites vos prévisions de trésorerie à 6 mois",{"type":53,"content":302},[303,305,318],{"text":304,"type":57},"Il est d’abord important de construire proprement et suivre son ",{"text":306,"type":57,"marks":307},"plan de trésorerie",[308],{"type":122,"attrs":309},{"href":310,"uuid":311,"anchor":60,"target":60,"linktype":126,"story":312},"plan-de-tresorerie-startup","0af0bd87-91c9-4c6a-8cf8-1f7ca9defc3e",{"name":313,"id":314,"uuid":311,"slug":315,"url":316,"full_slug":317,"_stopResolving":75},"Optimiser votre plan de trésorerie : méthodes et ressources des meilleurs DAF",208729747,"plan-de-tresorerie-entreprise","blog/plan-de-tresorerie-entreprise","fr/blog/plan-de-tresorerie-entreprise",{"text":319,"type":57}," prévisionnel.",{"type":53,"content":321},[322],{"text":323,"type":57},"La chose n’est pas aisée : on dit souvent qu’il est impossible de dresser des prévisions de trésorerie fiables au-delà d'un horizon de quelques mois.",{"type":53,"content":325},[326,328,334],{"text":327,"type":57},"Pour y parvenir, mettez en place des ",{"text":329,"type":57,"marks":330},"indicateurs de reporting financier",[331],{"type":122,"attrs":332},{"href":333,"uuid":24,"anchor":60,"target":60,"linktype":126},"indicateurs-reporting-financier",{"text":335,"type":57}," permettant de traduire l'activité des commerciaux en recettes prévisionnelles. Un directeur commercial peut par exemple établir des prévisions de chiffre d'affaires en calculant le ratio entre le nombre d'appels de prospection ou le nombre de rendez-vous clients, et le taux moyen de transformation de ces actions commerciales.",{"type":174,"attrs":337,"content":338},{"level":182},[339],{"text":340,"type":57},"2. Négociez un découvert avec votre banque",{"type":53,"content":342},[343],{"text":344,"type":57},"Ce type de solutions implique évidemment une relation de confiance avec son banquier.",{"type":53,"content":346},[347],{"text":348,"type":57},"Le mot d’ordre, si vous devez négocier une ligne de découvert, c’est de le faire AVANT d’en avoir réellement l’utilité. Si vous en avez besoin urgemment, vous ne l’obtiendrez pas.",{"type":53,"content":350},[351],{"text":352,"type":57},"En ayant négocié cette ligne de trésorerie en amont, vous serez bien content d’en disposer le jour où un problème de trésorerie pointe le bout de son nez.",{"type":174,"attrs":354,"content":355},{"level":182},[356],{"text":357,"type":57},"3. Pensez à l'autofinancement",{"type":53,"content":359},[360,362,366],{"text":361,"type":57},"Si vous avez besoin de matériel (",{"text":363,"type":57,"marks":364},"véhicule, photocopieuse, matériel informatique, etc",[365],{"type":240},{"text":367,"type":57},"), pensez à des modes de financement qui permettent d’étaler les dépenses.",{"type":53,"content":369},[370],{"text":371,"type":57},"N’hésitez pas à vous tourner vers le crédit, le crédit-bail ou la location. Si votre entreprise a besoin d'un équipement de toute urgence, vous avez la possibilité de l’acheter et d’apporter ensuite la facture à votre banque pour faire refinancer votre achat à crédit.",{"type":53,"content":373},[374],{"text":375,"type":57},"En conclusion, n’oubliez pas que l’argent, c’est le nerf de la guerre. Si votre idée, votre vision, votre équipe et votre dynamisme d’entrepreneur peuvent soulever des montagnes, votre entreprise aura toujours besoin de \"cash\" pour mettre de l’huile dans ses rouages.",{"type":53,"content":377},[378],{"text":379,"type":57},"Bien gérer ses flux et réagir rapidement en cas de problème de trésorerie doivent donc être deux actions à garder constamment en tête pour pérenniser son activité.",{"type":53,"content":381},[382],{"type":383,"attrs":384},"blok",{"id":385,"body":386},"f2b01872-5793-4fcb-b007-6d36b54928c0",[387],{"_uid":388,"html":389,"component":390},"45603822-aa39-4d87-8454-73fed9606c47","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-f677ae37-0470-47e5-b9c7-e35dfaf75c46\">\u003Cspan class=\"hs-cta-node hs-cta-f677ae37-0470-47e5-b9c7-e35dfaf75c46\" id=\"hs-cta-f677ae37-0470-47e5-b9c7-e35dfaf75c46\">\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/f677ae37-0470-47e5-b9c7-e35dfaf75c46\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-f677ae37-0470-47e5-b9c7-e35dfaf75c46\" style=\"border-width:0px;\" height=\"500\" width=\"1500\" src=\"https://no-cache.hubspot.com/cta/default/2694209/f677ae37-0470-47e5-b9c7-e35dfaf75c46.png\"  alt=\"reporting-suivi-depenses-entreprise-spendesk\"/>\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, 'f677ae37-0470-47e5-b9c7-e35dfaf75c46', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"name":392,"created_at":393,"published_at":16,"updated_at":394,"id":395,"uuid":396,"content":397,"slug":404,"full_slug":405,"sort_by_date":60,"position":406,"tag_list":407,"is_startpage":30,"parent_id":408,"meta_data":60,"group_id":409,"first_published_at":410,"release_id":60,"lang":66,"path":60,"alternates":411,"default_full_slug":412,"translated_slugs":413,"_stopResolving":75},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":398,"icon":399,"name":392,"component":403},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":400,"alt":401,"name":24,"focus":24,"title":24,"filename":402,"copyright":24,"fieldtype":29,"is_external_url":30},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",[414,415,416],{"path":412,"name":60,"lang":66,"published":60},{"path":412,"name":60,"lang":72,"published":60},{"path":412,"name":60,"lang":74,"published":60},[66],[419],{"_uid":420,"asset":421,"shadow":30,"caption":24,"overlay":423,"component":168},"3c57eebd-5b28-45e9-84ee-e14c6795efdb",{"alt":24,"name":24,"focus":24,"title":24,"filename":422,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/1190x670/16689b1b8d/gestion-tresorerie-article-spendesk.jpg",[],[],"2021-03-25 08:00","4",[],[429],{"_uid":430,"items":431,"heading":478,"reverse":30,"component":496,"sectionSettings":497},"e5bea1b7-7296-488e-8d30-370ed1dc86c7",[432,442,451,460,469],{"_uid":433,"title":434,"component":435,"description":436},"5620d54d-bb10-4d6f-92eb-b9e4f469a230","Qu'est-ce que la gestion des dépenses ?","faqItem",{"type":50,"content":437},[438],{"type":53,"content":439},[440],{"text":441,"type":57},"La gestion des dépenses est le processus par lequel une entreprise contrôle, catégorise et rapproche toutes ses dépenses professionnelles pour protéger la trésorerie. Spendesk centralise paiements, cartes physiques et virtuelles, notes de frais automatisées, contrôles budgétaires et réconciliation comptable, offrant visibilité en temps réel et réduction des erreurs manuelles pour un meilleur pilotage financier.",{"_uid":443,"title":444,"component":435,"description":445},"1e8b0f1e-498c-4775-b9ad-7a3c1efa9337","Comment fonctionne Spendesk ?",{"type":50,"content":446},[447],{"type":53,"content":448},[449],{"text":450,"type":57},"Spendesk est une plateforme de gestion des dépenses qui combine moyens de paiement et workflows d'approbation pour simplifier la dépense professionnelle. 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Contrôlez aussi les données synchronisées, la fréquence des mises à jour, les dimensions analytiques et les possibilités d’export ou d’API.",{"_uid":2414,"hide":30,"title":2415,"component":435,"description":2416},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":50,"attrs":2417,"content":2418},{"backgroundColor":60},[2419],{"type":53,"attrs":2420,"content":2421},{"textAlign":60},[2422],{"text":2423,"type":57},"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.",[2425],{"cta":2426,"_uid":2427,"title":2428,"layout":24,"eyebrow":2436,"subtitle":2443,"component":174,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":2446,"sectionSettings":2447,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":50,"attrs":2429,"content":2430},{"backgroundColor":60},[2431],{"type":174,"attrs":2432,"content":2433},{"level":176,"textAlign":60},[2434],{"text":2435,"type":57},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":50,"attrs":2437,"content":2438},{"backgroundColor":60},[2439],{"type":53,"attrs":2440,"content":2441},{"textAlign":60},[2442],{"text":817,"type":57},{"type":50,"content":2444},[2445],{"type":53},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[2457,2458,2459],{"path":2455,"name":60,"lang":66,"published":60},{"path":2455,"name":60,"lang":72,"published":60},{"path":2455,"name":60,"lang":74,"published":60},{"name":2461,"created_at":2462,"published_at":2463,"updated_at":2464,"id":2465,"uuid":2466,"content":2467,"slug":2580,"full_slug":2581,"sort_by_date":60,"position":2582,"tag_list":2583,"is_startpage":30,"parent_id":509,"meta_data":60,"group_id":2584,"first_published_at":2585,"release_id":60,"lang":66,"path":60,"alternates":2586,"default_full_slug":2587,"translated_slugs":2588},"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":2468,"title":2461,"topics":2469,"noIndex":30,"category":2478,"language":2487,"component":404,"heroMedia":2488,"publishedAt":2496,"redirectUrl":24,"listingImage":2497,"metaDescription":2498,"bottomArticleCta":2499,"componentsAfterTheArticle":2500},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[2470],{"name":78,"created_at":79,"published_at":80,"updated_at":81,"id":82,"uuid":83,"content":2471,"slug":95,"full_slug":96,"sort_by_date":60,"position":97,"tag_list":2472,"is_startpage":30,"parent_id":99,"meta_data":60,"group_id":100,"first_published_at":101,"release_id":60,"lang":66,"path":60,"alternates":2473,"default_full_slug":103,"translated_slugs":2474,"_stopResolving":75},{"_uid":93,"name":78,"component":94},[],[],[2475,2476,2477],{"path":103,"name":60,"lang":66,"published":60},{"path":103,"name":60,"lang":72,"published":60},{"path":103,"name":60,"lang":74,"published":60},{"name":392,"created_at":393,"published_at":16,"updated_at":394,"id":395,"uuid":396,"content":2479,"slug":404,"full_slug":405,"sort_by_date":60,"position":406,"tag_list":2481,"is_startpage":30,"parent_id":408,"meta_data":60,"group_id":409,"first_published_at":410,"release_id":60,"lang":66,"path":60,"alternates":2482,"default_full_slug":412,"translated_slugs":2483,"_stopResolving":75},{"_uid":398,"icon":2480,"name":392,"component":403},{"id":400,"alt":401,"name":24,"focus":24,"title":24,"filename":402,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[2484,2485,2486],{"path":412,"name":60,"lang":66,"published":60},{"path":412,"name":60,"lang":72,"published":60},{"path":412,"name":60,"lang":74,"published":60},[66],[2489],{"_uid":2490,"link":2491,"asset":2492,"caption":24,"component":168},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":24,"url":24,"linktype":126,"fieldtype":34,"cached_url":1587,"prep":75},{"id":2493,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2494,"copyright":24,"fieldtype":29,"meta_data":2495,"is_external_url":30},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.",[],[2501],{"cta":2502,"_uid":2503,"items":2504,"heading":2555,"reverse":30,"component":496,"sectionSettings":2579},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[2505,2522,2533,2544],{"_uid":2506,"hide":30,"title":2507,"component":435,"description":2508},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":50,"attrs":2509,"content":2510},{"backgroundColor":60},[2511],{"type":53,"attrs":2512,"content":2513},{"textAlign":60},[2514,2516,2520],{"text":2515,"type":57},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":2517,"type":57,"marks":2518},"projet reporté",[2519],{"type":153},{"text":2521,"type":57},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":2523,"hide":30,"title":2524,"component":435,"description":2525},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":50,"attrs":2526,"content":2527},{"backgroundColor":60},[2528],{"type":53,"attrs":2529,"content":2530},{"textAlign":60},[2531],{"text":2532,"type":57},"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":2534,"hide":30,"title":2535,"component":435,"description":2536},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":50,"attrs":2537,"content":2538},{"backgroundColor":60},[2539],{"type":53,"attrs":2540,"content":2541},{"textAlign":60},[2542],{"text":2543,"type":57},"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":2545,"hide":30,"title":2546,"component":435,"description":2547},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":50,"attrs":2548,"content":2549},{"backgroundColor":60},[2550],{"type":53,"attrs":2551,"content":2552},{"textAlign":60},[2553],{"text":2554,"type":57},"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.",[2556],{"cta":2557,"_uid":2558,"title":2559,"eyebrow":2567,"subtitle":2574,"component":174,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":2577,"sectionSettings":2578,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":50,"attrs":2560,"content":2561},{"backgroundColor":60},[2562],{"type":174,"attrs":2563,"content":2564},{"level":176,"textAlign":60},[2565],{"text":2566,"type":57},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":50,"attrs":2568,"content":2569},{"backgroundColor":60},[2570],{"type":53,"attrs":2571,"content":2572},{"textAlign":60},[2573],{"text":817,"type":57},{"type":50,"content":2575},[2576],{"type":53},[],[],[],"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",[2589,2590,2591],{"path":2587,"name":60,"lang":66,"published":60},{"path":2587,"name":60,"lang":72,"published":60},{"path":2587,"name":60,"lang":74,"published":60},1793980905138]