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Elles se retrouvent coincées dans une boîte e-mail, chez la personne qui doit cliquer sur « approuver ».",{"type":173,"attrs":233,"content":235},{"textAlign":26,"key":234},"p-1",[236,238,243],{"text":237,"type":179},"À mesure que l’organisation grandit, ce simple clic finit par mobiliser plusieurs heures : ",{"text":239,"type":179,"marks":240},"factures en attente",[241],{"type":242},"bold",{"text":244,"type":179},", collaborateurs relancés, managers sollicités pour des montants dérisoires et direction financière appelée à arbitrer chaque dépense importante. Trop de contrôle ralentit l’activité. Trop peu laisse les engagements se multiplier sans visibilité.",{"type":173,"attrs":246,"content":248},{"textAlign":26,"key":247},"p-2",[249,251,255],{"text":250,"type":179},"Une ",{"text":252,"type":179,"marks":253},"matrice d’approbation",[254],{"type":242},{"text":256,"type":179}," remet chaque décision au bon niveau. Elle précise qui valide une dépense, dans quel délai et à partir de quel montant. Surtout, elle évite de construire les circuits au cas par cas, au gré des habitudes et des absences.",{"type":258,"attrs":259},"blok",{"id":260,"body":261},"3ded52d7-8b5c-4c18-86a3-db493e76399f",[262],{"_uid":263,"text":264,"color":265,"title":266,"component":267},"i-643fd375-9e8d-4515-8f0b-17a3b36143f5","- Une matrice d’approbation associe chaque dépense à un **approbateur**, un seuil et un délai.\n- La politique de dépenses fixe les règles, tandis que la matrice organise leur application au quotidien.\n- Trois ou quatre niveaux suffisent généralement pour proportionner le contrôle au montant et au risque.\n- Le circuit doit différencier les demandes de fonds, les factures fournisseurs, les notes de frais et les bons de commande.\n- Une délégation et un approbateur de remplacement évitent les blocages en cas d’absence.\n- L’automatisation facilite le routage des demandes et laisse à la Finance le traitement des exceptions.\n- Les seuils doivent être revus régulièrement à partir des délais de validation et du nombre d’exceptions.","orange","📌 À retenir","callout",{"type":269,"attrs":270,"content":272},"heading",{"level":271,"textAlign":26},2,[273],{"text":274,"type":179,"marks":275},"Qu’est-ce qu’une matrice d’approbation ?",[276],{"type":242},{"type":173,"attrs":278,"content":280},{"textAlign":26,"key":279},"p-3",[281,283,287],{"text":282,"type":179},"Une matrice d’approbation associe chaque dépense à un ",{"text":284,"type":179,"marks":285},"niveau de validation",[286],{"type":242},{"text":288,"type":179},". Elle tient compte du montant engagé, de la nature de l’achat, de l’équipe concernée et parfois de l’entité qui porte la dépense.",{"type":173,"attrs":290,"content":292},{"textAlign":26,"key":291},"p-4",[293],{"text":294,"type":179},"Concrètement, elle répond à quatre questions :",{"type":296,"content":297},"bullet_list",[298,309,319,329],{"type":299,"content":300},"list_item",[301],{"type":173,"attrs":302,"content":304},{"textAlign":26,"key":303},"p-5",[305],{"text":306,"type":179,"marks":307},"Qui demande la dépense ?",[308],{"type":242},{"type":299,"content":310},[311],{"type":173,"attrs":312,"content":314},{"textAlign":26,"key":313},"p-6",[315],{"text":316,"type":179,"marks":317},"Qui peut l’approuver ?",[318],{"type":242},{"type":299,"content":320},[321],{"type":173,"attrs":322,"content":324},{"textAlign":26,"key":323},"p-7",[325],{"text":326,"type":179,"marks":327},"À partir de quel montant faut-il faire intervenir un niveau supérieur ?",[328],{"type":242},{"type":299,"content":330},[331],{"type":173,"attrs":332,"content":334},{"textAlign":26,"key":333},"p-8",[335],{"text":336,"type":179,"marks":337},"Que se passe-t-il si l’approbateur est absent ou ne répond pas ?",[338],{"type":242},{"type":173,"attrs":340,"content":342},{"textAlign":26,"key":341},"p-9",[343],{"text":344,"type":179},"La matrice peut s’appliquer à une demande de fonds, une facture fournisseur, une note de frais ou un bon de commande. Tous ces documents ne suivent pas nécessairement le même circuit, car ils n’interviennent pas au même moment du processus.",{"type":173,"attrs":346,"content":348},{"textAlign":26,"key":347},"p-10",[349,351,355],{"text":350,"type":179},"Une demande de fonds est examinée ",{"text":352,"type":179,"marks":353},"avant la dépense",[354],{"type":242},{"text":356,"type":179},". Une facture arrive après que l’achat a été réalisé. Une note de frais doit être contrôlée au regard de la politique interne et des justificatifs. La matrice doit donc s’adapter au type de dépense, plutôt que d’imposer un parcours identique à tout le monde.",{"type":269,"attrs":358,"content":359},{"level":271,"textAlign":26},[360],{"text":361,"type":179,"marks":362},"Matrice d’approbation et politique de dépenses, quelle différence ?",[363],{"type":242},{"type":173,"attrs":365,"content":367},{"textAlign":26,"key":366},"p-11",[368,370,379],{"text":369,"type":179},"La ",{"text":371,"type":179,"marks":372},"politique de dépenses",[373,378],{"type":374,"attrs":375},"link",{"href":376,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/deplacements-professionnels/","_blank",{"type":242},{"text":380,"type":179}," définit les règles à respecter : dépenses autorisées, plafonds, justificatifs obligatoires, catégories exclues et conditions de remboursement.",{"type":173,"attrs":382,"content":384},{"textAlign":26,"key":383},"p-12",[385,387,391],{"text":386,"type":179},"La matrice d’approbation définit, elle, ",{"text":388,"type":179,"marks":389},"qui fait respecter ces règles",[390],{"type":242},{"text":392,"type":179},". Elle indique le niveau de responsabilité à mobiliser selon le montant ou le risque.",{"type":173,"attrs":394,"content":396},{"textAlign":26,"key":395},"p-13",[397],{"text":398,"type":179},"Les deux documents fonctionnent ensemble. Une politique peut prévoir qu’un repas professionnel est remboursable jusqu’à 50 € par personne. La matrice précise ensuite que :",{"type":296,"content":400},[401,409,417],{"type":299,"content":402},[403],{"type":173,"attrs":404,"content":406},{"textAlign":26,"key":405},"p-14",[407],{"text":408,"type":179},"le manager valide les dépenses conformes ;",{"type":299,"content":410},[411],{"type":173,"attrs":412,"content":414},{"textAlign":26,"key":413},"p-15",[415],{"text":416,"type":179},"le responsable financier intervient en cas de dépassement ;",{"type":299,"content":418},[419],{"type":173,"attrs":420,"content":422},{"textAlign":26,"key":421},"p-16",[423],{"text":424,"type":179},"la direction valide les exceptions importantes.",{"type":173,"attrs":426,"content":428},{"textAlign":26,"key":427},"p-17",[429,431,435],{"text":430,"type":179},"Sans matrice, une politique reste souvent théorique. Les collaborateurs savent ce qui est autorisé, mais pas toujours ",{"text":432,"type":179,"marks":433},"à qui transmettre leur demande",[434],{"type":242},{"text":436,"type":179},". Les validations se font alors par e-mail, par message instantané ou à l’oral, avec une traçabilité limitée.",{"type":269,"attrs":438,"content":439},{"level":271,"textAlign":26},[440],{"text":441,"type":179,"marks":442},"Pourquoi définir plusieurs niveaux d’approbation ?",[443],{"type":242},{"type":173,"attrs":445,"content":447},{"textAlign":26,"key":446},"p-18",[448],{"text":449,"type":179},"Un achat de 30 € ne présente pas le même risque qu’un engagement de 30 000 €. Les traiter de la même façon mobilise inutilement les responsables et retarde les dépenses importantes.",{"type":173,"attrs":451,"content":453},{"textAlign":26,"key":452},"p-19",[454,456,460],{"text":455,"type":179},"Plusieurs niveaux permettent d’abord de ",{"text":457,"type":179,"marks":458},"proportionner le contrôle au risque",[459],{"type":242},{"text":461,"type":179},". Les petites dépenses peuvent suivre un circuit rapide, tandis que les engagements plus lourds remontent vers le responsable budgétaire, la Finance ou la direction.",{"type":173,"attrs":463,"content":465},{"textAlign":26,"key":464},"p-20",[466,468,472,474,481],{"text":467,"type":179},"Cette organisation limite aussi les ",{"text":469,"type":179,"marks":470},"achats hors processus",[471],{"type":242},{"text":473,"type":179},". Lorsqu’une dépense significative doit obligatoirement passer par un approbateur identifié, il devient plus difficile de contourner les règles ou de découvrir un dépassement budgétaire après paiement. Les situations qui sortent du cadre peuvent ensuite être traitées comme des exceptions, selon les principes présentés dans notre article sur les ",{"text":475,"type":179,"marks":476},"dépenses hors politique",[477,480],{"type":374,"attrs":478},{"href":479,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/depenses-hors-politique/",{"type":242},{"text":482,"type":179},".",{"type":173,"attrs":484,"content":486},{"textAlign":26,"key":485},"p-21",[487,489,493],{"text":488,"type":179},"Plusieurs niveaux ne signifient pas nécessairement plus de lenteur. Au contraire, l’auto-validation ou la validation simple des montants modestes libère les managers des ",{"text":490,"type":179,"marks":491},"micro-décisions quotidiennes",[492],{"type":242},{"text":494,"type":179},". 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Les seuils dépendent de la taille de l’entreprise, de son budget, de son organisation et du niveau de risque accepté.",{"type":173,"attrs":508,"content":509},{"textAlign":26,"key":234},[510],{"text":511,"type":179},"Pour une PME, une matrice de départ peut ressembler à ceci :",{"type":513,"content":514},"table",[515,540,559,577,595],{"type":516,"content":517},"tableRow",[518,530],{"type":519,"attrs":520,"content":522},"tableHeader",{"colspan":521,"rowspan":521,"colwidth":26},1,[523],{"type":173,"attrs":524,"content":525},{"textAlign":26,"key":247},[526],{"text":527,"type":179,"marks":528},"Montant de la dépense",[529],{"type":242},{"type":519,"attrs":531,"content":532},{"colspan":521,"rowspan":521,"colwidth":26},[533],{"type":173,"attrs":534,"content":535},{"textAlign":26,"key":279},[536],{"text":537,"type":179,"marks":538},"Niveau de validation recommandé",[539],{"type":242},{"type":516,"content":541},[542,551],{"type":543,"attrs":544,"content":545},"tableCell",{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[546],{"type":173,"attrs":547,"content":548},{"textAlign":26,"key":291},[549],{"text":550,"type":179},"Jusqu’à 100 €",{"type":543,"attrs":552,"content":553},{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[554],{"type":173,"attrs":555,"content":556},{"textAlign":26,"key":303},[557],{"text":558,"type":179},"Validation simple ou absence de validation préalable, avec justificatif",{"type":516,"content":560},[561,569],{"type":543,"attrs":562,"content":563},{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[564],{"type":173,"attrs":565,"content":566},{"textAlign":26,"key":313},[567],{"text":568,"type":179},"De 100 € à 1 000 €",{"type":543,"attrs":570,"content":571},{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[572],{"type":173,"attrs":573,"content":574},{"textAlign":26,"key":323},[575],{"text":576,"type":179},"Manager ou responsable de budget",{"type":516,"content":578},[579,587],{"type":543,"attrs":580,"content":581},{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[582],{"type":173,"attrs":583,"content":584},{"textAlign":26,"key":333},[585],{"text":586,"type":179},"De 1 000 € à 5 000 €",{"type":543,"attrs":588,"content":589},{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[590],{"type":173,"attrs":591,"content":592},{"textAlign":26,"key":341},[593],{"text":594,"type":179},"Responsable financier ou responsable administratif et financier",{"type":516,"content":596},[597,605],{"type":543,"attrs":598,"content":599},{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[600],{"type":173,"attrs":601,"content":602},{"textAlign":26,"key":347},[603],{"text":604,"type":179},"Au-delà de 5 000 €",{"type":543,"attrs":606,"content":607},{"colspan":521,"rowspan":521,"colwidth":26,"backgroundColor":26},[608],{"type":173,"attrs":609,"content":610},{"textAlign":26,"key":366},[611],{"text":612,"type":179},"Direction ou double validation",{"type":173,"attrs":614,"content":615},{"textAlign":26,"key":383},[616,618,622],{"text":617,"type":179},"Ces montants ne sont qu’une ",{"text":619,"type":179,"marks":620},"base de travail",[621],{"type":242},{"text":623,"type":179},". Une entreprise qui réalise principalement des achats de faible valeur peut fixer des seuils différents. À l’inverse, une dépense de 2 000 € peut représenter un engagement important pour une petite équipe et rester modérée pour un groupe plus structuré.",{"type":173,"attrs":625,"content":626},{"textAlign":26,"key":395},[627,629,633],{"text":628,"type":179},"Le montant ne doit d’ailleurs pas être le seul critère. La ",{"text":630,"type":179,"marks":631},"catégorie de dépense",[632],{"type":242},{"text":634,"type":179}," peut modifier le circuit. Un abonnement logiciel, un achat informatique, une dépense publicitaire ou un déplacement international ne présentent pas les mêmes enjeux, même lorsqu’ils coûtent le même prix.",{"type":173,"attrs":636,"content":637},{"textAlign":26,"key":405},[638,640,647],{"text":639,"type":179},"La réflexion peut s’appuyer sur une ",{"text":641,"type":179,"marks":642},"stratégie achats structurée",[643,646],{"type":374,"attrs":644},{"href":645,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/comment-construire-strategie-achat/",{"type":242},{"text":648,"type":179},", avec des règles propres aux catégories les plus sensibles.",{"type":269,"attrs":650,"content":651},{"level":271,"textAlign":26},[652],{"text":653,"type":179,"marks":654},"Ajouter une dimension de risque aux seuils",[655],{"type":242},{"type":173,"attrs":657,"content":658},{"textAlign":26,"key":413},[659],{"text":660,"type":179},"Une matrice efficace ne se contente pas de classer les dépenses par montant. Elle identifie également les situations qui nécessitent un contrôle renforcé.",{"type":173,"attrs":662,"content":663},{"textAlign":26,"key":421},[664],{"text":665,"type":179},"Une dépense peut ainsi remonter automatiquement vers la Finance lorsqu’elle :",{"type":296,"content":667},[668,681,688,695,702,709,717,725],{"type":299,"content":669},[670],{"type":173,"attrs":671,"content":672},{"textAlign":26,"key":427},[673,675,679],{"text":674,"type":179},"concerne un ",{"text":676,"type":179,"marks":677},"nouveau fournisseur",[678],{"type":242},{"text":680,"type":179}," ;",{"type":299,"content":682},[683],{"type":173,"attrs":684,"content":685},{"textAlign":26,"key":446},[686],{"text":687,"type":179},"engage l’entreprise sur plusieurs mois ;",{"type":299,"content":689},[690],{"type":173,"attrs":691,"content":692},{"textAlign":26,"key":452},[693],{"text":694,"type":179},"implique un renouvellement automatique ;",{"type":299,"content":696},[697],{"type":173,"attrs":698,"content":699},{"textAlign":26,"key":464},[700],{"text":701,"type":179},"dépasse le budget disponible ;",{"type":299,"content":703},[704],{"type":173,"attrs":705,"content":706},{"textAlign":26,"key":485},[707],{"text":708,"type":179},"concerne une catégorie sensible ;",{"type":299,"content":710},[711],{"type":173,"attrs":712,"content":714},{"textAlign":26,"key":713},"p-22",[715],{"text":716,"type":179},"est réalisée dans une entité différente ;",{"type":299,"content":718},[719],{"type":173,"attrs":720,"content":722},{"textAlign":26,"key":721},"p-23",[723],{"text":724,"type":179},"ne comporte pas de bon de commande ;",{"type":299,"content":726},[727],{"type":173,"attrs":728,"content":730},{"textAlign":26,"key":729},"p-24",[731],{"text":732,"type":179},"constitue une exception à la politique interne.",{"type":173,"attrs":734,"content":736},{"textAlign":26,"key":735},"p-25",[737],{"text":738,"type":179},"Cette logique évite qu’une dépense récurrente importante soit traitée comme un simple achat ponctuel. Elle permet également de différencier un abonnement SaaS de 2 000 € renouvelé chaque année d’un achat unique de fournitures du même montant.",{"type":173,"attrs":740,"content":742},{"textAlign":26,"key":741},"p-26",[743,745,749],{"text":744,"type":179},"Chaque niveau peut aussi recevoir un ",{"text":746,"type":179,"marks":747},"délai de traitement cible",[748],{"type":242},{"text":750,"type":179},". Par exemple, une demande inférieure à 500 € peut être examinée sous 24 heures, tandis qu’un engagement nécessitant l’intervention de la direction peut disposer d’un délai de 48 ou 72 heures.",{"type":269,"attrs":752,"content":753},{"level":271,"textAlign":26},[754],{"text":755,"type":179,"marks":756},"Adapter les circuits au type de dépense",[757],{"type":242},{"type":173,"attrs":759,"content":761},{"textAlign":26,"key":760},"p-27",[762],{"text":763,"type":179},"La matrice ne doit pas être un tableau isolé. Elle doit s’intégrer au processus réel de l’entreprise, de la demande initiale au paiement.",{"type":269,"attrs":765,"content":767},{"level":766,"textAlign":26},3,[768],{"text":769,"type":179,"marks":770},"Les demandes de fonds et les achats en amont",[771],{"type":242},{"type":173,"attrs":773,"content":775},{"textAlign":26,"key":774},"p-28",[776],{"text":777,"type":179},"Une demande de fonds intervient avant que l’argent ne soit dépensé. C’est donc le meilleur moment pour vérifier le besoin, le budget et le fournisseur envisagé.",{"type":173,"attrs":779,"content":781},{"textAlign":26,"key":780},"p-29",[782,784,788,790,794,796,800],{"text":783,"type":179},"Un manager peut, par exemple, demander 2 000 € pour organiser un événement client. La demande précise le ",{"text":785,"type":179,"marks":786},"montant",[787],{"type":242},{"text":789,"type":179},", la ",{"text":791,"type":179,"marks":792},"catégorie",[793],{"type":242},{"text":795,"type":179},", le ",{"text":797,"type":179,"marks":798},"projet concerné",[799],{"type":242},{"text":801,"type":179}," et la date prévue. Le circuit détermine ensuite si le manager peut valider lui-même ou si la demande doit remonter à la Finance ou à la direction.",{"type":173,"attrs":803,"content":805},{"textAlign":26,"key":804},"p-30",[806,808,815],{"text":807,"type":179},"Cette pré-approbation évite de découvrir trop tard qu’un budget est déjà consommé. Elle s’intègre naturellement dans un processus de ",{"text":809,"type":179,"marks":810},"procure-to-pay",[811,814],{"type":374,"attrs":812},{"href":813,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/procure-to-pay/",{"type":242},{"text":816,"type":179},", qui relie la demande, la commande, la réception, la facture et le paiement.",{"type":269,"attrs":818,"content":819},{"level":766,"textAlign":26},[820],{"text":821,"type":179,"marks":822},"Les factures fournisseurs",[823],{"type":242},{"type":173,"attrs":825,"content":827},{"textAlign":26,"key":826},"p-31",[828],{"text":829,"type":179},"Une facture fournisseur arrive généralement après l’engagement de la dépense. La validation ne consiste donc pas uniquement à vérifier le montant. Il faut aussi confirmer que le bien ou le service a été reçu, que la facture correspond à la commande et qu’elle n’a pas déjà été traitée.",{"type":173,"attrs":831,"content":833},{"textAlign":26,"key":832},"p-32",[834],{"text":835,"type":179},"Le circuit peut prévoir :",{"type":837,"attrs":838,"content":840},"ordered_list",{"order":521,"key":839},"ol-0",[841,849,857,865,873],{"type":299,"content":842},[843],{"type":173,"attrs":844,"content":846},{"textAlign":26,"key":845},"p-33",[847],{"text":848,"type":179},"une vérification par le demandeur ou le responsable opérationnel ;",{"type":299,"content":850},[851],{"type":173,"attrs":852,"content":854},{"textAlign":26,"key":853},"p-34",[855],{"text":856,"type":179},"un contrôle du montant et du budget ;",{"type":299,"content":858},[859],{"type":173,"attrs":860,"content":862},{"textAlign":26,"key":861},"p-35",[863],{"text":864,"type":179},"une validation financière au-delà d’un certain seuil ;",{"type":299,"content":866},[867],{"type":173,"attrs":868,"content":870},{"textAlign":26,"key":869},"p-36",[871],{"text":872,"type":179},"un rapprochement avec la commande et la réception ;",{"type":299,"content":874},[875],{"type":173,"attrs":876,"content":878},{"textAlign":26,"key":877},"p-37",[879],{"text":880,"type":179},"la mise en paiement.",{"type":173,"attrs":882,"content":884},{"textAlign":26,"key":883},"p-38",[885,887,894],{"text":886,"type":179},"Le ",{"text":888,"type":179,"marks":889},"rapprochement à trois voies",[890,893],{"type":374,"attrs":891},{"href":892,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/rapprochement-a-trois-voies/",{"type":242},{"text":895,"type":179}," permet notamment de comparer la commande, la livraison et la facture avant paiement. Ce contrôle limite les risques de quantité incorrecte, de surfacturation et de doublon.",{"type":173,"attrs":897,"content":899},{"textAlign":26,"key":898},"p-39",[900,902,906,908,915],{"text":901,"type":179},"Une facture sans bon de commande ne doit pas forcément être rejetée automatiquement. Elle peut suivre un ",{"text":903,"type":179,"marks":904},"circuit d’exception",[905],{"type":242},{"text":907,"type":179},", comme expliqué dans notre guide sur les ",{"text":909,"type":179,"marks":910},"factures fournisseurs sans bon de commande",[911,914],{"type":374,"attrs":912},{"href":913,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/factures-fournisseurs-sans-bon-de-commande/",{"type":242},{"text":482,"type":179},{"type":269,"attrs":917,"content":918},{"level":766,"textAlign":26},[919],{"text":920,"type":179,"marks":921},"Les notes de frais",[922],{"type":242},{"type":173,"attrs":924,"content":926},{"textAlign":26,"key":925},"p-40",[927],{"text":928,"type":179},"Les notes de frais suivent généralement un parcours différent. Le manager vérifie la réalité de la dépense et son caractère professionnel. La Finance contrôle ensuite le justificatif, le respect des plafonds et le traitement comptable.",{"type":173,"attrs":930,"content":932},{"textAlign":26,"key":931},"p-41",[933],{"text":934,"type":179},"Une note de frais peut être orientée vers un niveau supérieur lorsqu’elle :",{"type":296,"content":936},[937,945,953,961,969,977],{"type":299,"content":938},[939],{"type":173,"attrs":940,"content":942},{"textAlign":26,"key":941},"p-42",[943],{"text":944,"type":179},"dépasse le plafond prévu ;",{"type":299,"content":946},[947],{"type":173,"attrs":948,"content":950},{"textAlign":26,"key":949},"p-43",[951],{"text":952,"type":179},"ne comporte pas de justificatif ;",{"type":299,"content":954},[955],{"type":173,"attrs":956,"content":958},{"textAlign":26,"key":957},"p-44",[959],{"text":960,"type":179},"concerne une dépense inhabituelle ;",{"type":299,"content":962},[963],{"type":173,"attrs":964,"content":966},{"textAlign":26,"key":965},"p-45",[967],{"text":968,"type":179},"a été engagée par un dirigeant ;",{"type":299,"content":970},[971],{"type":173,"attrs":972,"content":974},{"textAlign":26,"key":973},"p-46",[975],{"text":976,"type":179},"relève d’une catégorie exclue ;",{"type":299,"content":978},[979],{"type":173,"attrs":980,"content":982},{"textAlign":26,"key":981},"p-47",[983],{"text":984,"type":179},"présente un risque social ou fiscal.",{"type":173,"attrs":986,"content":988},{"textAlign":26,"key":987},"p-48",[989,991,998],{"text":990,"type":179},"Des règles claires réduisent les allers-retours et facilitent le remboursement des dépenses conformes. Elles contribuent également à limiter les risques en cas de contrôle, notamment sur les justificatifs et les dépenses professionnelles, comme le rappelle cet article consacré à l’",{"text":992,"type":179,"marks":993},"URSSAF et aux notes de frais",[994,997],{"type":374,"attrs":995},{"href":996,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/controle-urssaff-notes-de-frais/",{"type":242},{"text":482,"type":179},{"type":269,"attrs":1000,"content":1001},{"level":766,"textAlign":26},[1002],{"text":1003,"type":179,"marks":1004},"Les bons de commande",[1005],{"type":242},{"type":173,"attrs":1007,"content":1009},{"textAlign":26,"key":1008},"p-49",[1010,1012,1016],{"text":1011,"type":179},"Le bon de commande constitue un contrôle placé ",{"text":1013,"type":179,"marks":1014},"avant l’engagement",[1015],{"type":242},{"text":1017,"type":179},". La demande est formulée, le budget est vérifié, le bon de commande est approuvé, puis la facture est rapprochée de la commande.",{"type":173,"attrs":1019,"content":1021},{"textAlign":26,"key":1020},"p-50",[1022],{"text":1023,"type":179},"Cette logique peut être particulièrement utile pour les achats récurrents, les prestations importantes ou les fournisseurs stratégiques. Elle évite que la facture soit la première occasion de vérifier la dépense.",{"type":173,"attrs":1025,"content":1027},{"textAlign":26,"key":1026},"p-51",[1028,1030,1037],{"text":1029,"type":179},"Pour aller plus loin, consultez notre article sur les ",{"text":1031,"type":179,"marks":1032},"bons de commande et les factures fournisseurs",[1033,1036],{"type":374,"attrs":1034},{"href":1035,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/factures-fournisseurs/",{"type":242},{"text":482,"type":179},{"type":269,"attrs":1039,"content":1040},{"level":271,"textAlign":26},[1041],{"text":1042,"type":179,"marks":1043},"Que faire lorsqu’un approbateur est absent ?",[1044],{"type":242},{"type":173,"attrs":1046,"content":1048},{"textAlign":26,"key":1047},"p-52",[1049],{"text":1050,"type":179},"Une matrice bien conçue prévoit les situations qui risquent de bloquer le circuit. Congé, déplacement, changement de poste ou simple surcharge de travail, les absences sont inévitables.",{"type":173,"attrs":1052,"content":1054},{"textAlign":26,"key":1053},"p-53",[1055],{"text":1056,"type":179},"Plusieurs solutions sont possibles :",{"type":296,"content":1058},[1059,1072,1080,1088,1096],{"type":299,"content":1060},[1061],{"type":173,"attrs":1062,"content":1064},{"textAlign":26,"key":1063},"p-54",[1065,1067,1071],{"text":1066,"type":179},"désigner un ",{"text":1068,"type":179,"marks":1069},"approbateur de remplacement",[1070],{"type":242},{"text":680,"type":179},{"type":299,"content":1073},[1074],{"type":173,"attrs":1075,"content":1077},{"textAlign":26,"key":1076},"p-55",[1078],{"text":1079,"type":179},"transférer automatiquement la demande au niveau supérieur après un délai défini ;",{"type":299,"content":1081},[1082],{"type":173,"attrs":1083,"content":1085},{"textAlign":26,"key":1084},"p-56",[1086],{"text":1087,"type":179},"autoriser une délégation temporaire ;",{"type":299,"content":1089},[1090],{"type":173,"attrs":1091,"content":1093},{"textAlign":26,"key":1092},"p-57",[1094],{"text":1095,"type":179},"limiter la délégation à certaines catégories ou certains montants ;",{"type":299,"content":1097},[1098],{"type":173,"attrs":1099,"content":1101},{"textAlign":26,"key":1100},"p-58",[1102],{"text":1103,"type":179},"conserver l’historique de la personne qui a réellement validé.",{"type":173,"attrs":1105,"content":1107},{"textAlign":26,"key":1106},"p-59",[1108,1110,1114],{"text":1109,"type":179},"La délégation ne doit pas supprimer la responsabilité. 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00:00",[],"Les cinq erreurs qui font rejeter vos factures sur Chorus Pro et les vérifications à effectuer avant chaque dépôt. Ce que la réforme 2026 change pour votre PME.",[],[3363],{"cta":3364,"_uid":3365,"items":3366,"heading":3451,"reverse":29,"component":1474,"sectionSettings":3473},[],"499fbe9e-7481-42b4-90d5-fd5fdc10a1fc",[3367,3386,3396,3414,3431,3441],{"_uid":3368,"hide":29,"title":3369,"component":1397,"description":3370},"3a7848e1-3c99-434b-93f3-8a52071c19ee","Par où commencer pour se préparer à la facturation électronique B2B ?",{"type":170,"content":3371},[3372],{"type":173,"attrs":3373,"content":3374},{"textAlign":26},[3375,3377,3384],{"text":3376,"type":179},"Par un inventaire de vos flux : séparez ce qui part vers le public (Chorus Pro, rien ne change) de ce qui part vers le privé (une PA sera nécessaire). Ensuite, choisissez une PA immatriculée auprès de la DGFiP, testez la réception avant septembre 2026 et vérifiez que votre FEC restera conforme après la bascule. Notre ",{"text":3378,"type":179,"marks":3379},"guide pour choisir votre Plateforme Agréée",[3380,3383],{"type":374,"attrs":3381},{"href":3382,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/plateforme-agreee-pour-la-facturation-electronique-le-guide-complet-pour-choisir-votre-solution/",{"type":242},{"text":3385,"type":179}," détaille chaque étape.",{"_uid":3387,"hide":29,"title":3388,"component":1397,"description":3389},"b2cf602a-c6cf-4b6e-8537-ceb4be048dfd","Comment reconnaître un faux mail Chorus Pro ?",{"type":170,"content":3390},[3391],{"type":173,"attrs":3392,"content":3393},{"textAlign":26},[3394],{"text":3395,"type":179},"Simple : les emails officiels proviennent exclusivement de @chorus-pro.gouv.fr. Tout autre expéditeur qui vous demande de vous connecter ou de valider vos identifiants est une tentative de phishing. En cas de doute, tapez directement chorus-pro.gouv.fr dans votre navigateur. 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Pour aller plus loin, consultez nos ",{"text":3407,"type":179,"marks":3408},"réponses aux questions sur la facturation électronique",[3409,3412],{"type":374,"attrs":3410},{"href":3411,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.spendesk.com/fr/blog/facturation-electronique-les-reponses-aux-questions-que-vous-n-osez-pas-poser/",{"type":242},{"text":482,"type":179},{"_uid":3415,"hide":29,"title":3416,"component":1397,"description":3417},"bdd5cd7f-2dbf-455f-a819-e90b1c49b034","Quelle est la pénalité si mon entreprise n'est pas prête pour la facturation électronique B2B en septembre 2026 ?",{"type":170,"content":3418},[3419],{"type":173,"attrs":3420,"content":3421},{"textAlign":26},[3422,3429],{"text":3423,"type":179,"marks":3424},"50 € par facture non conforme",[3425,3428],{"type":374,"attrs":3426},{"href":3427,"uuid":26,"anchor":26,"target":377,"linktype":158},"https://www.fiducial.fr/facturation-electronique/faq/sanctions-non-conformite-obligation-facturation-electronique",{"type":242},{"text":3430,"type":179},", plafonnés à 15 000 € par an, selon l'article 1737 du CGI. Une PME qui traite quelques centaines de factures par an peut atteindre ce plafond très rapidement.",{"_uid":3432,"hide":29,"title":3433,"component":1397,"description":3434},"26e8be1d-a340-4650-b843-7fe664e07553","Quels formats de facture accepte Chorus Pro ?",{"type":170,"content":3435},[3436],{"type":173,"attrs":3437,"content":3438},{"textAlign":26},[3439],{"text":3440,"type":179},"Trois formats structurés : Factur-X, UBL et CII. Pour Factur-X, attention au profil : le minimum requis est EN 16931. Un fichier au profil MINIMUM sera automatiquement rejeté. Vérifiez ce que génère votre outil de facturation avant le premier dépôt.",{"_uid":3442,"hide":29,"title":3443,"component":1397,"description":3444},"ea1b5192-6aa5-4d97-99fa-322c821fe22f","Chorus Pro est-il obligatoire pour toutes les entreprises qui facturent le secteur public ?",{"type":170,"content":3445},[3446],{"type":173,"attrs":3447,"content":3448},{"textAlign":26},[3449],{"text":3450,"type":179},"Oui, depuis 2020, sans aucune exception. Que vous soyez auto-entrepreneur ou grand groupe, dès que votre client est une entité publique (ministère, collectivité, hôpital), la facture passe obligatoirement par le portail Chorus Pro.",[3452],{"cta":3453,"_uid":3454,"title":3455,"eyebrow":3462,"subtitle":3468,"component":269,"textAlign":52,"eyebrowPill":29,"flexibleSection":3471,"sectionSettings":3472,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"8a302182-3a35-41b1-909f-bcea3ee80af7",{"type":170,"content":3456},[3457],{"type":173,"attrs":3458,"content":3459},{"textAlign":26},[3460],{"text":3461,"type":179},"Les questions qu'on nous pose souvent sur le 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00:00",[],"Le code SWIFT (ou BIC) identifie une banque lors d'un virement international. Découvrez sa structure, sa différence avec l'IBAN et comment trouver le bon code.",[],[3569],{"cta":3570,"_uid":3571,"items":3572,"heading":3613,"reverse":29,"component":1474,"sectionSettings":3635},[],"befd26d7-efbc-4547-b962-adcc04f65826",[3573,3583,3593,3603],{"_uid":3574,"hide":29,"title":3575,"component":1397,"description":3576},"ada4ffc1-fd17-4b8a-bc9f-9db853ed2f01","Que se passe-t-il si le code SWIFT est incorrect ?",{"type":170,"content":3577},[3578],{"type":173,"attrs":3579,"content":3580},{"textAlign":26},[3581],{"text":3582,"type":179},"Le virement est rejeté. Des frais de retour de 15 à 25 € s'appliquent dans la plupart des cas, et le bénéficiaire subit un retard de paiement pouvant atteindre une semaine supplémentaire.",{"_uid":3584,"hide":29,"title":3585,"component":1397,"description":3586},"57fecd02-9c21-458f-9f48-8556cb56b75e","Peut-on retrouver un code BIC à partir d'un IBAN ?",{"type":170,"content":3587},[3588],{"type":173,"attrs":3589,"content":3590},{"textAlign":26},[3591],{"text":3592,"type":179},"Non directement. Le format IBAN (27 caractères pour un compte français) et le code BIC (8 ou 11 caractères) reposent sur des référentiels distincts. L'annuaire SWIFT permet de retrouver le BIC à partir du nom de la banque et du pays, pas à partir de l'IBAN seul.",{"_uid":3594,"hide":29,"title":3595,"component":1397,"description":3596},"82995bda-869b-4d44-aa54-e554ae2a6798","Faut-il un code SWIFT pour un virement SEPA ?",{"type":170,"content":3597},[3598],{"type":173,"attrs":3599,"content":3600},{"textAlign":26},[3601],{"text":3602,"type":179},"Non. Pour un virement en euros au sein des 36 pays de la zone SEPA, l'IBAN suffit. Le code BIC/SWIFT devient nécessaire pour les virements hors zone SEPA ou dans une devise autre que l'euro.",{"_uid":3604,"hide":29,"title":3605,"component":1397,"description":3606},"7a70cf01-14f7-4adc-9ffe-2b34b031d07a","Un code SWIFT et un code BIC, est-ce la même chose ?",{"type":170,"content":3607},[3608],{"type":173,"attrs":3609,"content":3610},{"textAlign":26},[3611],{"text":3612,"type":179},"Oui, les deux termes sont parfaitement interchangeables. Sur tout formulaire de virement, c'est toujours le même code à 8 ou 11 caractères à renseigner.",[3614],{"cta":3615,"_uid":3616,"title":3617,"eyebrow":3624,"subtitle":3630,"component":269,"textAlign":52,"eyebrowPill":29,"flexibleSection":3633,"sectionSettings":3634,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"5c7ee3aa-b512-4f5f-a8c7-d9581888b444",{"type":170,"content":3618},[3619],{"type":269,"attrs":3620,"content":3621},{"level":766,"textAlign":26},[3622],{"text":3623,"type":179},"Ce qu'on nous demande souvent sur le 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flow : définition, formules de calcul (CFO, free cash flow) et leviers concrets pour améliorer la trésorerie de votre PME. Guide complet pour les DAF.",[],[3703],{"cta":3704,"_uid":3705,"items":3706,"heading":3757,"reverse":29,"component":1474,"sectionSettings":3779},[],"9f4994c7-e987-48cd-867e-6140b39dc84b",[3707,3717,3727,3737,3747],{"_uid":3708,"hide":29,"title":3709,"component":1397,"description":3710},"dc08235c-92a3-471e-aa7d-ec72d6c3465a","Comment traduire “cash flow” en français ?",{"type":170,"content":3711},[3712],{"type":173,"attrs":3713,"content":3714},{"textAlign":26},[3715],{"text":3716,"type":179},"L’équivalent français est “flux de trésorerie”. Dans la pratique, les professionnels de la finance utilisent indifféremment les deux termes. Le PCG et l’ANC emploient “tableau des flux de trésorerie” dans leurs textes normatifs.",{"_uid":3718,"hide":29,"title":3719,"component":1397,"description":3720},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":170,"content":3721},[3722],{"type":173,"attrs":3723,"content":3724},{"textAlign":26},[3725],{"text":3726,"type":179},"Le cash pooling est une technique de gestion de trésorerie utilisée par les groupes multi-entités. Il consiste à centraliser les soldes bancaires de plusieurs filiales sur un compte unique pour optimiser la trésorerie globale, en compensant les excédents des unes avec les besoins des autres.",{"_uid":3728,"hide":29,"title":3729,"component":1397,"description":3730},"fac9d191-26a7-42b8-9fb3-710f4fadaf2f","Le cash flow peut-il être négatif sans que l’entreprise soit en danger ?",{"type":170,"content":3731},[3732],{"type":173,"attrs":3733,"content":3734},{"textAlign":26},[3735],{"text":3736,"type":179},"Oui, dans deux cas fréquents : un investissement ponctuel important ou une saisonnalité marquée. Le signal d’alerte survient quand le cash flow reste négatif sur plusieurs trimestres consécutifs sans explication structurelle.",{"_uid":3738,"hide":29,"title":3739,"component":1397,"description":3740},"dffc6104-d8ea-46ae-be7d-9e2bb991e7bd","Quelle est la différence entre cash flow et résultat net ?",{"type":170,"content":3741},[3742],{"type":173,"attrs":3743,"content":3744},{"textAlign":26},[3745],{"text":3746,"type":179},"Le résultat net inclut des écritures comptables sans impact de trésorerie (amortissements, provisions). Le cash flow ne retient que les mouvements réels d’argent. Une entreprise peut afficher un bénéfice net tout en manquant de liquidités.",{"_uid":3748,"hide":29,"title":3749,"component":1397,"description":3750},"985e7d6f-893a-4760-802c-0b331a306fdf","Quelle est la formule du cash flow ?",{"type":170,"content":3751},[3752],{"type":173,"attrs":3753,"content":3754},{"textAlign":26},[3755],{"text":3756,"type":179},"La formule directe est : produits encaissés moins charges décaissées. En méthode indirecte, le cash flow opérationnel se calcule ainsi : résultat net, plus amortissements et provisions, moins la variation du BFR.",[3758],{"cta":3759,"_uid":3760,"title":3761,"eyebrow":3768,"subtitle":3774,"component":269,"textAlign":52,"eyebrowPill":29,"flexibleSection":3777,"sectionSettings":3778,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"d6f717fc-977e-4c61-950c-2eb5456901dc",{"type":170,"content":3762},[3763],{"type":269,"attrs":3764,"content":3765},{"level":271,"textAlign":26},[3766],{"text":3767,"type":179},"Les questions qu'on nous pose souvent",{"type":170,"content":3769},[3770],{"type":173,"attrs":3771,"content":3772},{"textAlign":26},[3773],{"text":1468,"type":179},{"type":170,"content":3775},[3776],{"type":173},[],[],[],"cash-flow-tout-comprendre","fr/blog/cash-flow-tout-comprendre",-590,[],"1c0c0162-e38a-46c7-a692-721ee303aedb","2026-06-12T15:18:14.870Z",[],"blog/cash-flow-tout-comprendre",[3789,3790,3791],{"path":3787,"name":26,"lang":33,"published":26},{"path":3787,"name":26,"lang":39,"published":26},{"path":3787,"name":26,"lang":41,"published":26},1793980846482]