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",{"text":345,"type":161,"marks":346},"Le plan de trésorerie se concentre, lui, sur le moment où l’argent entre ou sort réellement du compte bancaire.",[347],{"type":222},{"type":155,"attrs":349,"content":351},{"textAlign":26,"key":350},"p-10",[352,354],{"text":353,"type":161},"Une entreprise peut donc être rentable et rencontrer malgré tout une difficulté de trésorerie. ",{"text":355,"type":161,"marks":356},"Le bénéfice comptable ne garantit pas que les liquidités disponibles suffiront à payer les prochaines échéances.",[357],{"type":222},{"type":155,"attrs":359,"content":361},{"textAlign":26,"key":360},"p-11",[362],{"text":363,"type":161},"Un responsable comptable peut découvrir en mars une échéance d’impôt sur les sociétés qui n’avait pas été anticipée. 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Il faut d’abord fixer l’horizon, puis recenser les flux et enfin actualiser les prévisions.",{"type":235,"attrs":562,"content":564},{"level":563,"textAlign":26},3,[565],{"text":566,"type":161,"marks":567},"Définir l’horizon et le solde initial",[568],{"type":222},{"type":155,"attrs":570,"content":571},{"textAlign":26,"key":216},[572,574,578],{"text":573,"type":161},"Commencez par choisir une maille mensuelle et un horizon de douze mois. Cette durée offre ",{"text":575,"type":161,"marks":576},"un bon équilibre entre lisibilité et capacité d’anticipation",[577],{"type":222},{"text":254,"type":161},{"type":155,"attrs":580,"content":581},{"textAlign":26,"key":245},[582],{"text":583,"type":161},"Ancrez ensuite le tableau sur le solde bancaire réellement disponible au premier jour de la période. Utilisez le solde vérifié sur vos relevés, et non une estimation issue d’un ancien fichier Excel.",{"type":235,"attrs":585,"content":586},{"level":563,"textAlign":26},[587],{"text":588,"type":161,"marks":589},"Recenser les encaissements et les décaissements",[590],{"type":222},{"type":155,"attrs":592,"content":593},{"textAlign":26,"key":257},[594],{"text":595,"type":161},"Listez les flux propres à votre activité, en séparant les opérations récurrentes des événements exceptionnels.",{"type":155,"attrs":597,"content":598},{"textAlign":26,"key":263},[599],{"text":600,"type":161},"Les encaissements peuvent inclure :",{"type":602,"content":603},"bullet_list",[604,612,619,626,633,640],{"type":605,"content":606},"list_item",[607],{"type":155,"attrs":608,"content":609},{"textAlign":26,"key":275},[610],{"text":611,"type":161},"les règlements clients ;",{"type":605,"content":613},[614],{"type":155,"attrs":615,"content":616},{"textAlign":26,"key":281},[617],{"text":618,"type":161},"les subventions ;",{"type":605,"content":620},[621],{"type":155,"attrs":622,"content":623},{"textAlign":26,"key":298},[624],{"text":625,"type":161},"les apports en compte courant ;",{"type":605,"content":627},[628],{"type":155,"attrs":629,"content":630},{"textAlign":26,"key":328},[631],{"text":632,"type":161},"les remboursements ;",{"type":605,"content":634},[635],{"type":155,"attrs":636,"content":637},{"textAlign":26,"key":340},[638],{"text":639,"type":161},"les financements ;",{"type":605,"content":641},[642],{"type":155,"attrs":643,"content":644},{"textAlign":26,"key":350},[645],{"text":646,"type":161},"les cessions d’actifs.",{"type":155,"attrs":648,"content":649},{"textAlign":26,"key":360},[650],{"text":651,"type":161},"Les décaissements peuvent inclure :",{"type":602,"content":653},[654,661,668,675,682,689,696,703,710],{"type":605,"content":655},[656],{"type":155,"attrs":657,"content":658},{"textAlign":26,"key":366},[659],{"text":660,"type":161},"les achats ;",{"type":605,"content":662},[663],{"type":155,"attrs":664,"content":665},{"textAlign":26,"key":384},[666],{"text":667,"type":161},"les salaires ;",{"type":605,"content":669},[670],{"type":155,"attrs":671,"content":672},{"textAlign":26,"key":401},[673],{"text":674,"type":161},"les charges sociales ;",{"type":605,"content":676},[677],{"type":155,"attrs":678,"content":679},{"textAlign":26,"key":412},[680],{"text":681,"type":161},"les loyers ;",{"type":605,"content":683},[684],{"type":155,"attrs":685,"content":686},{"textAlign":26,"key":423},[687],{"text":688,"type":161},"les impôts et taxes ;",{"type":605,"content":690},[691],{"type":155,"attrs":692,"content":693},{"textAlign":26,"key":437},[694],{"text":695,"type":161},"les remboursements d’emprunt ;",{"type":605,"content":697},[698],{"type":155,"attrs":699,"content":700},{"textAlign":26,"key":448},[701],{"text":702,"type":161},"les investissements ;",{"type":605,"content":704},[705],{"type":155,"attrs":706,"content":707},{"textAlign":26,"key":457},[708],{"text":709,"type":161},"les paiements par carte ;",{"type":605,"content":711},[712],{"type":155,"attrs":713,"content":714},{"textAlign":26,"key":468},[715],{"text":716,"type":161},"les remboursements de notes de frais.",{"type":235,"attrs":718,"content":719},{"level":563,"textAlign":26},[720],{"text":721,"type":161,"marks":722},"Positionner chaque flux à sa date réelle",[723],{"type":222},{"type":155,"attrs":725,"content":726},{"textAlign":26,"key":479},[727],{"text":728,"type":161},"Un encaissement doit être positionné au mois où le client devrait réellement payer, et non au mois où la facture est émise.",{"type":155,"attrs":730,"content":731},{"textAlign":26,"key":488},[732,734,738],{"text":733,"type":161},"De la même manière, un décaissement doit être positionné à sa date probable de règlement, en tenant compte ",{"text":735,"type":161,"marks":736},"des conditions de paiement fournisseurs et des échéances fiscales",[737],{"type":222},{"text":254,"type":161},{"type":155,"attrs":740,"content":741},{"textAlign":26,"key":499},[742],{"text":743,"type":161},"Une facture client émise en avril mais payable à 45 jours ne doit donc pas être intégrée automatiquement dans les encaissements d’avril.",{"type":235,"attrs":745,"content":746},{"level":563,"textAlign":26},[747],{"text":748,"type":161,"marks":749},"Calculer les soldes mensuels",[750],{"type":222},{"type":155,"attrs":752,"content":753},{"textAlign":26,"key":510},[754],{"text":755,"type":161},"Le calcul est simple :",{"type":155,"attrs":757,"content":758},{"textAlign":26,"key":519},[759],{"text":760,"type":161,"marks":761},"Solde de fin de mois = solde initial + encaissements - décaissements",[762],{"type":222},{"type":155,"attrs":764,"content":765},{"textAlign":26,"key":525},[766,768,772],{"text":767,"type":161},"Le solde de fin de mois devient ensuite le solde initial du mois suivant. 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Il doit être positionné ",{"text":929,"type":161,"marks":930},"au mois où le client devrait régler",[931],{"type":222},{"text":933,"type":161},", et non à la date de signature.",{"type":155,"attrs":935,"content":937},{"textAlign":26,"key":936},"p-43",[938,940],{"text":939,"type":161},"Les premières semaines permettront ensuite de comparer les prévisions avec les montants réellement encaissés et payés. ",{"text":941,"type":161,"marks":942},"Ce suivi des écarts améliore progressivement la fiabilité du plan.",[943],{"type":222},{"type":235,"attrs":945,"content":946},{"level":237,"textAlign":26},[947],{"text":948,"type":161,"marks":949},"Pourquoi faut-il construire le plan en TTC ?",[950],{"type":222},{"type":155,"attrs":952,"content":954},{"textAlign":26,"key":953},"p-44",[955,957,961],{"text":956,"type":161},"Un plan de trésorerie se construit en TTC, car ",{"text":958,"type":161,"marks":959},"c’est le montant réellement encaissé ou décaissé qui fait évoluer le compte bancaire",[960],{"type":222},{"text":254,"type":161},{"type":155,"attrs":963,"content":965},{"textAlign":26,"key":964},"p-45",[966],{"text":967,"type":161},"Les ventes sont donc intégrées avec la TVA facturée au client, et les achats avec la TVA payée au fournisseur. Le montant HT reste utile pour le compte de résultat, mais il ne correspond pas au montant qui sort effectivement du compte.",{"type":235,"attrs":969,"content":970},{"level":563,"textAlign":26},[971],{"text":972,"type":161,"marks":973},"Comment intégrer la TVA ?",[974],{"type":222},{"type":155,"attrs":976,"content":978},{"textAlign":26,"key":977},"p-46",[979],{"text":980,"type":161},"La TVA collectée sur les ventes, diminuée de la TVA déductible sur les achats, détermine le montant à reverser à l’administration.",{"type":155,"attrs":982,"content":984},{"textAlign":26,"key":983},"p-47",[985,987,991],{"text":986,"type":161},"La TVA à décaisser doit apparaître dans le plan de trésorerie ",{"text":988,"type":161,"marks":989},"au mois de son paiement effectif",[990],{"type":222},{"text":992,"type":161},", et non nécessairement au mois où la vente ou l’achat a été enregistré.",{"type":155,"attrs":994,"content":996},{"textAlign":26,"key":995},"p-48",[997],{"text":998,"type":161},"Les modalités varient selon le régime de TVA :",{"type":602,"content":1000},[1001,1009],{"type":605,"content":1002},[1003],{"type":155,"attrs":1004,"content":1006},{"textAlign":26,"key":1005},"p-49",[1007],{"text":1008,"type":161},"au régime réel normal, la déclaration CA3 est généralement déposée chaque mois, avec des cas de déclaration trimestrielle sous certaines conditions ;",{"type":605,"content":1010},[1011],{"type":155,"attrs":1012,"content":1014},{"textAlign":26,"key":1013},"p-50",[1015],{"text":1016,"type":161},"au régime réel simplifié, l’entreprise verse des acomptes en cours d’année, puis régularise sa situation avec une déclaration annuelle CA12.",{"type":155,"attrs":1018,"content":1020},{"textAlign":26,"key":1019},"p-51",[1021,1023,1030,1032,1039],{"text":1022,"type":161},"Consultez les informations officielles sur ",{"text":1024,"type":161,"marks":1025},"les régimes d’imposition à la TVA",[1026,1029],{"type":289,"attrs":1027},{"href":1028,"uuid":26,"anchor":26,"target":292,"linktype":140},"https://www.impots.gouv.fr/professionnel/les-regimes-dimposition-la-tva",{"type":222},{"text":1031,"type":161}," et les modalités de ",{"text":1033,"type":161,"marks":1034},"paiement de la TVA",[1035,1038],{"type":289,"attrs":1036},{"href":1037,"uuid":26,"anchor":26,"target":292,"linktype":140},"https://entreprendre.service-public.gouv.fr/vosdroits/F23566",{"type":222},{"text":254,"type":161},{"type":155,"attrs":1041,"content":1043},{"textAlign":26,"key":1042},"p-52",[1044,1046,1050],{"text":1045,"type":161},"Une PME au régime réel normal qui facture en avril et règle sa TVA en mai doit donc prévoir ",{"text":1047,"type":161,"marks":1048},"le décaissement correspondant en mai",[1049],{"type":222},{"text":1051,"type":161},". Sans ce décalage, le solde de mai paraît artificiellement plus élevé.",{"type":235,"attrs":1053,"content":1054},{"level":237,"textAlign":26},[1055],{"text":1056,"type":161,"marks":1057},"Pourquoi les données de dépenses sont-elles essentielles aux prévisions ?",[1058],{"type":222},{"type":155,"attrs":1060,"content":1062},{"textAlign":26,"key":1061},"p-53",[1063,1065,1069],{"text":1064,"type":161},"La qualité d’un plan de trésorerie dépend fortement de la précision de ses décaissements. Les encaissements dépendent des clients, mais ",{"text":1066,"type":161,"marks":1067},"les dépenses engagées peuvent être suivies et documentées par l’entreprise",[1068],{"type":222},{"text":254,"type":161},{"type":155,"attrs":1071,"content":1073},{"textAlign":26,"key":1072},"p-54",[1074],{"text":1075,"type":161},"Une demande d’achat approuvée, un abonnement récurrent, une facture fournisseur reçue ou un paiement par carte représentent déjà des sorties futures connues ou probables.",{"type":235,"attrs":1077,"content":1078},{"level":563,"textAlign":26},[1079],{"text":1080,"type":161,"marks":1081},"Quelle différence entre dépense engagée et dépense réalisée ?",[1082],{"type":222},{"type":155,"attrs":1084,"content":1086},{"textAlign":26,"key":1085},"p-55",[1087],{"text":1088,"type":161},"Une dépense engagée correspond à une obligation ou à une décision d’achat déjà prise. Elle peut prendre la forme :",{"type":602,"content":1090},[1091,1099,1107,1115,1123,1131],{"type":605,"content":1092},[1093],{"type":155,"attrs":1094,"content":1096},{"textAlign":26,"key":1095},"p-56",[1097],{"text":1098,"type":161},"d’une demande d’achat approuvée ;",{"type":605,"content":1100},[1101],{"type":155,"attrs":1102,"content":1104},{"textAlign":26,"key":1103},"p-57",[1105],{"text":1106,"type":161},"d’un contrat signé ;",{"type":605,"content":1108},[1109],{"type":155,"attrs":1110,"content":1112},{"textAlign":26,"key":1111},"p-58",[1113],{"text":1114,"type":161},"d’un abonnement en cours ;",{"type":605,"content":1116},[1117],{"type":155,"attrs":1118,"content":1120},{"textAlign":26,"key":1119},"p-59",[1121],{"text":1122,"type":161},"d’une facture fournisseur ;",{"type":605,"content":1124},[1125],{"type":155,"attrs":1126,"content":1128},{"textAlign":26,"key":1127},"p-60",[1129],{"text":1130,"type":161},"d’un paiement par carte ;",{"type":605,"content":1132},[1133],{"type":155,"attrs":1134,"content":1136},{"textAlign":26,"key":1135},"p-61",[1137],{"text":1138,"type":161},"d’un bon de commande accepté.",{"type":155,"attrs":1140,"content":1142},{"textAlign":26,"key":1141},"p-62",[1143],{"text":1144,"type":161},"Une dépense réalisée correspond au paiement effectivement constaté sur le compte bancaire.",{"type":155,"attrs":1146,"content":1148},{"textAlign":26,"key":1147},"p-63",[1149,1151],{"text":1150,"type":161},"Cette distinction permet de ne pas attendre le relevé bancaire pour identifier une sortie de trésorerie. ",{"text":1152,"type":161,"marks":1153},"Les dépenses engagées donnent une visibilité plus avancée sur les décaissements à venir.",[1154],{"type":222},{"type":155,"attrs":1156,"content":1158},{"textAlign":26,"key":1157},"p-64",[1159],{"text":1160,"type":161},"Les paiements par carte et les factures capturées fournissent des informations utiles sur le montant, le fournisseur et la date de règlement. Cela réduit notamment les erreurs de datation entre la facture et le paiement.",{"type":155,"attrs":1162,"content":1164},{"textAlign":26,"key":1163},"p-65",[1165],{"text":1166,"type":161},"Une plateforme de gestion des dépenses comme Spendesk peut centraliser les demandes d’achat, les paiements par carte, les abonnements et les factures fournisseurs. Ces données peuvent ensuite être transmises à un outil de trésorerie ou à un ERP selon les intégrations disponibles.",{"type":155,"attrs":1168,"content":1170},{"textAlign":26,"key":1169},"p-66",[1171,1173],{"text":1172,"type":161},"Spendesk ne remplace pas un logiciel de trésorerie. ",{"text":1174,"type":161,"marks":1175},"La plateforme contribue plutôt à fiabiliser les données de dépenses qui alimentent les prévisions.",[1176],{"type":222},{"type":224,"attrs":1178},{"id":309,"body":1179},[1180],{"_uid":1181,"asset":1182,"caption":52,"component":318},"i-2fb81f48-28a5-4b74-97c0-4b4a9b03fe67",{"id":1183,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1184,"copyright":52,"fieldtype":136,"meta_data":1185,"is_external_url":29},208918520400214,"https://a.storyblok.com/f/146026/1280x1920/c0cbe71f5d/dts_sojourn_franco_dupuy_photos_id10779.jpg",{"size":1186},"1280x1920",{"type":235,"attrs":1188,"content":1189},{"level":237,"textAlign":26},[1190],{"text":1191,"type":161,"marks":1192},"Comment interpréter un plan de trésorerie ?",[1193],{"type":222},{"type":155,"attrs":1195,"content":1197},{"textAlign":26,"key":1196},"p-67",[1198,1200,1204],{"text":1199,"type":161},"Un plan de trésorerie se lit mois par mois, en observant ",{"text":1201,"type":161,"marks":1202},"l’évolution du solde de clôture et les périodes où il risque de devenir insuffisant",[1203],{"type":222},{"text":254,"type":161},{"type":155,"attrs":1206,"content":1208},{"textAlign":26,"key":1207},"p-68",[1209],{"text":1210,"type":161},"Un solde négatif prévisionnel ne signifie pas nécessairement que l’entreprise est en difficulté définitive. Il signale qu’une décision doit être prise avant l’échéance.",{"type":155,"attrs":1212,"content":1214},{"textAlign":26,"key":1213},"p-69",[1215],{"text":1216,"type":161},"Les leviers peuvent consister à :",{"type":602,"content":1218},[1219,1227,1235,1243,1251,1259,1267],{"type":605,"content":1220},[1221],{"type":155,"attrs":1222,"content":1224},{"textAlign":26,"key":1223},"p-70",[1225],{"text":1226,"type":161},"accélérer un encaissement client ;",{"type":605,"content":1228},[1229],{"type":155,"attrs":1230,"content":1232},{"textAlign":26,"key":1231},"p-71",[1233],{"text":1234,"type":161},"renégocier un délai de paiement ;",{"type":605,"content":1236},[1237],{"type":155,"attrs":1238,"content":1240},{"textAlign":26,"key":1239},"p-72",[1241],{"text":1242,"type":161},"décaler un investissement ;",{"type":605,"content":1244},[1245],{"type":155,"attrs":1246,"content":1248},{"textAlign":26,"key":1247},"p-73",[1249],{"text":1250,"type":161},"réduire une dépense ;",{"type":605,"content":1252},[1253],{"type":155,"attrs":1254,"content":1256},{"textAlign":26,"key":1255},"p-74",[1257],{"text":1258,"type":161},"utiliser une ligne de crédit ;",{"type":605,"content":1260},[1261],{"type":155,"attrs":1262,"content":1264},{"textAlign":26,"key":1263},"p-75",[1265],{"text":1266,"type":161},"renforcer les fonds propres ;",{"type":605,"content":1268},[1269],{"type":155,"attrs":1270,"content":1272},{"textAlign":26,"key":1271},"p-76",[1273],{"text":1274,"type":161},"ajuster le calendrier d’un recrutement.",{"type":235,"attrs":1276,"content":1277},{"level":563,"textAlign":26},[1278],{"text":1279,"type":161,"marks":1280},"Pourquoi utiliser un horizon glissant ?",[1281],{"type":222},{"type":155,"attrs":1283,"content":1285},{"textAlign":26,"key":1284},"p-77",[1286],{"text":1287,"type":161},"Un horizon glissant conserve une visibilité constante sur les douze prochains mois.",{"type":155,"attrs":1289,"content":1291},{"textAlign":26,"key":1290},"p-78",[1292,1294,1298],{"text":1293,"type":161},"À chaque clôture mensuelle, ajoutez un nouveau mois à la fin du tableau et remplacez les prévisions passées par les montants réalisés. Le plan reste ainsi ",{"text":1295,"type":161,"marks":1296},"toujours projeté sur la même durée",[1297],{"type":222},{"text":254,"type":161},{"type":155,"attrs":1300,"content":1302},{"textAlign":26,"key":1301},"p-79",[1303,1305,1312],{"text":1304,"type":161},"Le ",{"text":1306,"type":161,"marks":1307},"rolling forecast",[1308,1311],{"type":289,"attrs":1309},{"href":1310,"uuid":26,"anchor":26,"target":292,"linktype":140},"https://www.spendesk.com/fr/blog/rolling-forecast/",{"type":222},{"text":1313,"type":161}," permet d’ajuster les hypothèses lorsque les encaissements arrivent plus tard que prévu, que les dépenses augmentent ou qu’un projet est décalé.",{"type":235,"attrs":1315,"content":1316},{"level":563,"textAlign":26},[1317],{"text":1318,"type":161,"marks":1319},"Comment analyser les écarts entre prévu et réalisé ?",[1320],{"type":222},{"type":155,"attrs":1322,"content":1324},{"textAlign":26,"key":1323},"p-80",[1325],{"text":1326,"type":161},"Comparez régulièrement :",{"type":602,"content":1328},[1329,1337,1345,1353,1361,1369],{"type":605,"content":1330},[1331],{"type":155,"attrs":1332,"content":1334},{"textAlign":26,"key":1333},"p-81",[1335],{"text":1336,"type":161},"le montant prévu ;",{"type":605,"content":1338},[1339],{"type":155,"attrs":1340,"content":1342},{"textAlign":26,"key":1341},"p-82",[1343],{"text":1344,"type":161},"le montant réellement encaissé ou payé ;",{"type":605,"content":1346},[1347],{"type":155,"attrs":1348,"content":1350},{"textAlign":26,"key":1349},"p-83",[1351],{"text":1352,"type":161},"la date prévue ;",{"type":605,"content":1354},[1355],{"type":155,"attrs":1356,"content":1358},{"textAlign":26,"key":1357},"p-84",[1359],{"text":1360,"type":161},"la date réelle ;",{"type":605,"content":1362},[1363],{"type":155,"attrs":1364,"content":1366},{"textAlign":26,"key":1365},"p-85",[1367],{"text":1368,"type":161},"l’écart constaté ;",{"type":605,"content":1370},[1371],{"type":155,"attrs":1372,"content":1374},{"textAlign":26,"key":1373},"p-86",[1375],{"text":1376,"type":161},"la raison de l’écart.",{"type":155,"attrs":1378,"content":1380},{"textAlign":26,"key":1379},"p-87",[1381],{"text":1382,"type":161},"Si les clients paient systématiquement plus tard que prévu, décalez les encaissements futurs. Si les dépenses sont régulièrement supérieures aux estimations, réévaluez les budgets et les engagements.",{"type":155,"attrs":1384,"content":1386},{"textAlign":26,"key":1385},"p-88",[1387,1391],{"text":1388,"type":161,"marks":1389},"L’analyse des écarts transforme le plan de trésorerie en outil d’apprentissage",[1390],{"type":222},{"text":1392,"type":161},", plutôt qu’en simple document prévisionnel.",{"type":155,"attrs":1394,"content":1396},{"textAlign":26,"key":1395},"p-89",[1397,1399,1406],{"text":1398,"type":161},"Pour suivre les dépenses engagées et les écarts budgétaires, consultez également notre article sur le ",{"text":1400,"type":161,"marks":1401},"reforecast",[1402,1405],{"type":289,"attrs":1403},{"href":1404,"uuid":26,"anchor":26,"target":292,"linktype":140},"https://www.spendesk.com/fr/blog/reforecast/",{"type":222},{"text":254,"type":161},{"type":235,"attrs":1408,"content":1409},{"level":237,"textAlign":26},[1410],{"text":1411,"type":161,"marks":1412},"Comment fiabiliser les dépenses intégrées au plan ?",[1413],{"type":222},{"type":155,"attrs":1415,"content":1417},{"textAlign":26,"key":1416},"p-90",[1418],{"text":1419,"type":161},"Un plan de trésorerie devient plus fiable lorsque les dépenses sont catégorisées, rattachées à une entité et associées à une date probable de paiement.",{"type":155,"attrs":1421,"content":1423},{"textAlign":26,"key":1422},"p-91",[1424],{"text":1425,"type":161},"Les données à contrôler comprennent notamment :",{"type":602,"content":1427},[1428,1436,1444,1452,1460,1468,1476,1484,1492],{"type":605,"content":1429},[1430],{"type":155,"attrs":1431,"content":1433},{"textAlign":26,"key":1432},"p-92",[1434],{"text":1435,"type":161},"le fournisseur ;",{"type":605,"content":1437},[1438],{"type":155,"attrs":1439,"content":1441},{"textAlign":26,"key":1440},"p-93",[1442],{"text":1443,"type":161},"le montant TTC ;",{"type":605,"content":1445},[1446],{"type":155,"attrs":1447,"content":1449},{"textAlign":26,"key":1448},"p-94",[1450],{"text":1451,"type":161},"la date d’échéance ;",{"type":605,"content":1453},[1454],{"type":155,"attrs":1455,"content":1457},{"textAlign":26,"key":1456},"p-95",[1458],{"text":1459,"type":161},"le compte bancaire concerné ;",{"type":605,"content":1461},[1462],{"type":155,"attrs":1463,"content":1465},{"textAlign":26,"key":1464},"p-96",[1466],{"text":1467,"type":161},"l’entité ;",{"type":605,"content":1469},[1470],{"type":155,"attrs":1471,"content":1473},{"textAlign":26,"key":1472},"p-97",[1474],{"text":1475,"type":161},"le centre de coût ;",{"type":605,"content":1477},[1478],{"type":155,"attrs":1479,"content":1481},{"textAlign":26,"key":1480},"p-98",[1482],{"text":1483,"type":161},"le caractère récurrent ou exceptionnel ;",{"type":605,"content":1485},[1486],{"type":155,"attrs":1487,"content":1489},{"textAlign":26,"key":1488},"p-99",[1490],{"text":1491,"type":161},"le statut de validation ;",{"type":605,"content":1493},[1494],{"type":155,"attrs":1495,"content":1497},{"textAlign":26,"key":1496},"p-100",[1498],{"text":1499,"type":161},"le statut de paiement.",{"type":155,"attrs":1501,"content":1503},{"textAlign":26,"key":1502},"p-101",[1504,1506],{"text":1505,"type":161},"Une facture fournisseur validée mais non encore payée doit apparaître dans les décaissements prévus. Un abonnement annuel doit être réparti selon ses dates de paiement et de consommation. ",{"text":1507,"type":161,"marks":1508},"Une dépense par carte doit être intégrée dès qu’elle est connue, même si le relevé bancaire n’est pas encore disponible.",[1509],{"type":222},{"type":155,"attrs":1511,"content":1513},{"textAlign":26,"key":1512},"p-102",[1514],{"text":1515,"type":161},"La centralisation des données de dépenses évite de reconstituer les engagements à partir de plusieurs fichiers Excel, relevés bancaires et boîtes mail.",{"type":235,"attrs":1517,"content":1518},{"level":237,"textAlign":26},[1519],{"text":1520,"type":161,"marks":1521},"Comment déployer un plan de trésorerie dans l’entreprise ?",[1522],{"type":222},{"type":155,"attrs":1524,"content":1526},{"textAlign":26,"key":1525},"p-103",[1527],{"text":1528,"type":161},"La mise en place doit être progressive. Commencez par les comptes bancaires et les échéances les plus importantes, puis ajoutez les autres flux.",{"type":155,"attrs":1530,"content":1532},{"textAlign":26,"key":1531},"p-104",[1533],{"text":1534,"type":161},"Définissez ensuite :",{"type":602,"content":1536},[1537,1545,1553,1561,1569,1577,1585],{"type":605,"content":1538},[1539],{"type":155,"attrs":1540,"content":1542},{"textAlign":26,"key":1541},"p-105",[1543],{"text":1544,"type":161},"la personne responsable de la mise à jour ;",{"type":605,"content":1546},[1547],{"type":155,"attrs":1548,"content":1550},{"textAlign":26,"key":1549},"p-106",[1551],{"text":1552,"type":161},"la fréquence de révision ;",{"type":605,"content":1554},[1555],{"type":155,"attrs":1556,"content":1558},{"textAlign":26,"key":1557},"p-107",[1559],{"text":1560,"type":161},"les sources de données ;",{"type":605,"content":1562},[1563],{"type":155,"attrs":1564,"content":1566},{"textAlign":26,"key":1565},"p-108",[1567],{"text":1568,"type":161},"les règles de validation ;",{"type":605,"content":1570},[1571],{"type":155,"attrs":1572,"content":1574},{"textAlign":26,"key":1573},"p-109",[1575],{"text":1576,"type":161},"les scénarios à suivre ;",{"type":605,"content":1578},[1579],{"type":155,"attrs":1580,"content":1582},{"textAlign":26,"key":1581},"p-110",[1583],{"text":1584,"type":161},"les seuils d’alerte ;",{"type":605,"content":1586},[1587],{"type":155,"attrs":1588,"content":1590},{"textAlign":26,"key":1589},"p-111",[1591],{"text":1592,"type":161},"les destinataires du reporting.",{"type":155,"attrs":1594,"content":1596},{"textAlign":26,"key":1595},"p-112",[1597],{"text":1598,"type":161},"Un contrôle hebdomadaire peut être utile lorsque la trésorerie est volatile. Une mise à jour mensuelle peut suffire lorsque les encaissements et décaissements sont réguliers.",{"type":155,"attrs":1600,"content":1602},{"textAlign":26,"key":1601},"p-113",[1603,1607],{"text":1604,"type":161,"marks":1605},"La fréquence doit dépendre du niveau de risque",[1606],{"type":222},{"text":1608,"type":161},", et non d’une règle identique pour toutes les entreprises.",{"type":155,"attrs":1610,"content":1612},{"textAlign":26,"key":1611},"p-114",[1613,1615,1619],{"text":1614,"type":161},"Quand les paiements par carte, les factures fournisseurs, les demandes d’achat et les remboursements sont réunis au même endroit, vous voyez immédiatement ",{"text":1616,"type":161,"marks":1617},"ce qui est déjà engagé et ce qui doit encore être payé",[1618],{"type":222},{"text":1620,"type":161},". Votre prévisionnel repose ainsi sur des données concrètes, plutôt que sur des estimations reconstituées à la dernière minute.",{"type":155,"attrs":1622,"content":1624},{"textAlign":26,"key":1623},"p-115",[1625,1627,1634],{"text":1626,"type":161},"Envie de voir ce que cela pourrait changer pour votre équipe ? ",{"text":1628,"type":161,"marks":1629},"Demandez une démonstration",[1630,1633],{"type":289,"attrs":1631},{"href":1632,"uuid":26,"anchor":26,"target":292,"linktype":140},"https://www.spendesk.com/fr/schedule-a-demo/",{"type":222},{"text":254,"type":161},{"name":1636,"created_at":1637,"published_at":16,"updated_at":1638,"id":1639,"uuid":1640,"content":1641,"slug":1648,"full_slug":1649,"sort_by_date":26,"position":27,"tag_list":1650,"is_startpage":29,"parent_id":1651,"meta_data":26,"group_id":1652,"first_published_at":1653,"release_id":26,"lang":33,"path":26,"alternates":1654,"default_full_slug":1655,"translated_slugs":1656,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1642,"icon":1643,"name":1636,"component":1647},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1644,"alt":1645,"name":52,"focus":52,"title":52,"filename":1646,"copyright":52,"fieldtype":136,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1657,1658,1659],{"path":1655,"name":26,"lang":33,"published":26},{"path":1655,"name":26,"lang":39,"published":26},{"path":1655,"name":26,"lang":41,"published":26},[33],[1662],{"_uid":1663,"asset":1664,"caption":52,"component":318},"f1efd5dd-c7ba-407b-ad09-066228ae0f0d",{"id":1665,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1666,"copyright":52,"fieldtype":136,"meta_data":1667,"is_external_url":29},168585922232996,"https://a.storyblok.com/f/146026/1376x768/3d75449a8d/ap-automation-software.png",{},[],"2026-08-21 00:00",[],"Plan de trésorerie : construisez un prévisionnel fiable en TTC, anticipez vos encaissements et décaissements et suivez vos flux de dépenses.",[],[1674],{"cta":1675,"_uid":1676,"items":1677,"heading":1761,"reverse":29,"component":1788,"sectionSettings":1789},[],"ec3ad7b6-c146-42d4-84a6-e56cb20ff078",[1678,1696,1713,1730,1745],{"_uid":1679,"hide":29,"title":1680,"component":1681,"description":1682},"bebd4f39-6661-4332-a652-b8e2a3ca9daa","Quelle est la différence entre un plan de trésorerie, un budget de trésorerie et un tableau de flux ?","faqItem",{"type":152,"attrs":1683,"content":1684},{"backgroundColor":26},[1685],{"type":155,"attrs":1686,"content":1687},{"textAlign":26,"key":157},[1688,1690,1694],{"text":1689,"type":161},"Le plan de trésorerie et le budget de trésorerie désignent généralement le même tableau prévisionnel d’encaissements et de décaissements. 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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":155,"content":3335},[3336],{"text":3337,"type":161},"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":155,"content":3339},[3340],{"text":3341,"type":161},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":155,"content":3343},[3344,3348,3349],{"text":3345,"type":161,"marks":3346},"Pour les équipes financières",[3347],{"type":222},{"type":3278},{"text":3350,"type":161},"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":155,"content":3352},[3353],{"text":3354,"type":161},"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":155,"content":3356},[3357],{"text":3358,"type":161},"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":155,"content":3360},[3361],{"text":3362,"type":161},"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":155,"content":3364},[3365],{"text":3366,"type":161},"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":155,"content":3368},[3369],{"text":3370,"type":161},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, 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00:00",[],"Logiciel de gestion des dépenses pour PME : comparez cartes d’entreprise, notes de frais, factures, workflows et intégrations comptables.",[],[3478],{"cta":3479,"_uid":3480,"items":3481,"heading":3564,"reverse":29,"component":1788,"sectionSettings":3590},[],"b87e3736-f663-4f97-bbd5-bc13fe2b3a5d",[3482,3499,3515,3532,3548],{"_uid":3483,"hide":29,"title":3484,"component":1681,"description":3485},"4d59fbe2-9211-447b-baa7-22ac2a7f57e2","Combien coûte un logiciel de gestion des dépenses pour une PME ?",{"type":152,"attrs":3486,"content":3487},{"backgroundColor":26},[3488],{"type":155,"attrs":3489,"content":3490},{"textAlign":26},[3491,3493,3497],{"text":3492,"type":161},"Le prix dépend du nombre d’utilisateurs, des cartes, des fonctionnalités, du volume de transactions et des intégrations demandées. Les solutions peuvent fonctionner avec ",{"text":3494,"type":161,"marks":3495},"un abonnement mensuel, une tarification par utilisateur ou une offre sur devis",[3496],{"type":222},{"text":3498,"type":161},". Comparez surtout le coût total avec le temps consacré aujourd’hui à la saisie, aux relances et aux corrections.",{"_uid":3500,"hide":29,"title":3501,"component":1681,"description":3502},"ae408c76-b477-4f6a-807b-ff76fafdbae8","Quelle est la différence entre la gestion des dépenses et les notes de frais ?",{"type":152,"attrs":3503,"content":3504},{"backgroundColor":26},[3505],{"type":155,"attrs":3506,"content":3507},{"textAlign":26},[3508,3510,3514],{"text":3509,"type":161},"Les notes de frais concernent les dépenses avancées personnellement par les collaborateurs et remboursées par l’entreprise. La gestion des dépenses couvre un périmètre plus large : ",{"text":3511,"type":161,"marks":3512},"cartes d’entreprise, factures fournisseurs, notes de frais, achats récurrents et contrôles budgétaires",[3513],{"type":222},{"text":254,"type":161},{"_uid":3516,"hide":29,"title":3517,"component":1681,"description":3518},"32cbc670-4a0b-4fd7-a27a-71a6ed18f746","Un logiciel de gestion des dépenses est-il compatible avec Pennylane, Cegid ou Sage ?",{"type":152,"attrs":3519,"content":3520},{"backgroundColor":26},[3521],{"type":155,"attrs":3522,"content":3523},{"textAlign":26},[3524,3526,3530],{"text":3525,"type":161},"La plupart des solutions ciblant les PME françaises proposent des intégrations ou des exports vers les principaux logiciels comptables. Vérifiez toutefois ",{"text":3527,"type":161,"marks":3528},"la fréquence de synchronisation, le mapping des comptes, la transmission des justificatifs et la gestion des erreurs",[3529],{"type":222},{"text":3531,"type":161}," avant de choisir.",{"_uid":3533,"hide":29,"title":3534,"component":1681,"description":3535},"77ef4143-b0b8-496e-b7b4-d7305d2baa24","Combien de temps faut-il pour déployer un logiciel de gestion des dépenses ?",{"type":152,"attrs":3536,"content":3537},{"backgroundColor":26},[3538],{"type":155,"attrs":3539,"content":3540},{"textAlign":26},[3541,3543,3547],{"text":3542,"type":161},"Un déploiement simple peut prendre quelques semaines. Le délai augmente avec le nombre d’entités, de cartes, d’utilisateurs et de règles comptables. Un projet complet doit inclure ",{"text":3544,"type":161,"marks":3545},"le paramétrage, les tests, la formation et la validation du flux comptable",[3546],{"type":222},{"text":254,"type":161},{"_uid":3549,"hide":29,"title":3550,"component":1681,"description":3551},"0138006d-8573-42e2-b051-ee13b93ea628","Comment choisir le meilleur logiciel de gestion des dépenses ?",{"type":152,"attrs":3552,"content":3553},{"backgroundColor":26},[3554],{"type":155,"attrs":3555,"content":3556},{"textAlign":26},[3557,3559,3563],{"text":3558,"type":161},"Le meilleur outil est celui qui permet à votre PME de ",{"text":3560,"type":161,"marks":3561},"contrôler les dépenses avant paiement, collecter les justificatifs au bon moment et transmettre des données fiables à la 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00:00",[],"Note de débit fournisseur : comprenez ses différences avec un avoir ou une facture rectificative et découvrez comment la comptabiliser avec la TVA.",[],[3663],{"cta":3664,"_uid":3665,"items":3666,"heading":3769,"reverse":29,"component":1788,"sectionSettings":3793},[],"fdce5409-03eb-467f-ba1e-7111cf1ffc82",[3667,3689,3710,3740],{"_uid":3668,"hide":29,"title":3669,"component":1681,"description":3670},"a226f76b-bf0c-49ef-aacf-242432670c01","Une note de débit est-elle obligatoire ?",{"type":152,"attrs":3671,"content":3672},{"backgroundColor":26},[3673,3678],{"type":155,"attrs":3674,"content":3675},{"textAlign":26},[3676],{"text":3677,"type":161},"Non. Aucun texte n’impose la forme ou l’utilisation d’une note de débit.",{"type":155,"attrs":3679,"content":3680},{"textAlign":26},[3681,3683,3687],{"text":3682,"type":161},"Elle reste néanmoins vivement recommandée pour ",{"text":3684,"type":161,"marks":3685},"formaliser et tracer un supplément",[3686],{"type":222},{"text":3688,"type":161},", d’autant qu’une facture déjà émise ne peut pas être modifiée directement.",{"_uid":3690,"hide":29,"title":3691,"component":1681,"description":3692},"75482fef-8bf3-436b-b31e-5aadebbf5b46","Peut-on contester une note de débit reçue d’un fournisseur ?",{"type":152,"attrs":3693,"content":3694},{"backgroundColor":26},[3695,3705],{"type":155,"attrs":3696,"content":3697},{"textAlign":26},[3698,3700,3704],{"text":3699,"type":161},"Oui. Une note de débit peut être contestée lorsque ",{"text":3701,"type":161,"marks":3702},"la référence à la facture initiale, le motif du supplément ou les montants sont absents ou erronés",[3703],{"type":222},{"text":254,"type":161},{"type":155,"attrs":3706,"content":3707},{"textAlign":26},[3708],{"text":3709,"type":161},"Ces trois éléments doivent être contrôlés avant toute acceptation et tout paiement. Si le supplément n’est pas justifié, demandez au fournisseur les documents nécessaires ou contestez la note de débit.",{"_uid":3711,"hide":29,"title":3712,"component":1681,"description":3713},"9c24a692-1134-4591-b5ca-d4200f5838d9","La note de débit ouvre-t-elle droit à la récupération de la TVA ?",{"type":152,"attrs":3714,"content":3715},{"backgroundColor":26},[3716,3726],{"type":155,"attrs":3717,"content":3718},{"textAlign":26},[3719,3721,3725],{"text":3720,"type":161},"Uniquement si elle comporte toutes les mentions obligatoires d’une facture et permet d’identifier clairement ",{"text":3722,"type":161,"marks":3723},"la nature du supplément et la transaction d’origine",[3724],{"type":222},{"text":254,"type":161},{"type":155,"attrs":3727,"content":3728},{"textAlign":26},[3729,3731,3738],{"text":3730,"type":161},"À défaut, la TVA, au ",{"text":3732,"type":161,"marks":3733},"taux standard de 20 %",[3734,3737],{"type":289,"attrs":3735},{"href":3736,"uuid":26,"anchor":26,"target":292,"linktype":140},"https://www.l-expert-comptable.com/a/52751-determiner-le-taux-de-tva.html",{"type":222},{"text":3739,"type":161},", n’est déductible qu’à réception de la facture définitive.",{"_uid":3741,"hide":29,"title":3742,"component":1681,"description":3743},"0fac749f-bda6-4526-b745-71aa83597d79","Combien de temps faut-il conserver une note de débit ?",{"type":152,"attrs":3744,"content":3745},{"backgroundColor":26},[3746,3760],{"type":155,"attrs":3747,"content":3748},{"textAlign":26},[3749,3751,3758],{"text":3750,"type":161},"Comme toute pièce comptable justificative, une facture ou une note de débit doit être conservée ",{"text":3752,"type":161,"marks":3753},"dix ans à compter de la clôture de l’exercice",[3754,3757],{"type":289,"attrs":3755},{"href":3756,"uuid":26,"anchor":26,"target":292,"linktype":140},"https://bpifrance-creation.fr/encyclopedie/gerer-lentreprise/gestion-commerciale-administrative-documentaire/duree-conservation",{"type":222},{"text":3759,"type":161},", conformément à l’article L123-22 du Code de commerce.",{"type":155,"attrs":3761,"content":3762},{"textAlign":26},[3763,3765],{"text":3764,"type":161},"Le délai fiscal est en principe de six ans, conformément à l’article L102 B du Livre des procédures fiscales. Il est toutefois porté à dix ans pour les documents dont le délai de conservation expire après le 1er janvier 2027. ",{"text":3766,"type":161,"marks":3767},"Conservez donc la note de débit avec la facture d’origine et les justificatifs associés.",[3768],{"type":222},[3770],{"cta":3771,"_uid":3772,"title":3773,"eyebrow":3781,"subtitle":3788,"component":235,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3791,"sectionSettings":3792,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"48cc65e4-2727-41ef-a106-345aba71dc2e",{"type":152,"attrs":3774,"content":3775},{"backgroundColor":26},[3776],{"type":235,"attrs":3777,"content":3778},{"level":237,"textAlign":26},[3779],{"text":3780,"type":161},"Questions fréquentes sur les notes de débit fournisseur et les factures rectificatives",{"type":152,"attrs":3782,"content":3783},{"backgroundColor":26},[3784],{"type":155,"attrs":3785,"content":3786},{"textAlign":26},[3787],{"text":1782,"type":161},{"type":152,"content":3789},[3790],{"type":155},[],[],[],"note-de-debit-fournisseur-et-facture-rectificative","fr/blog/note-de-debit-fournisseur-et-facture-rectificative",-3110,[],"cf0b00ec-f1e8-4ee5-ab68-2cd453dd4950",[],"blog/note-de-debit-fournisseur-et-facture-rectificative",[3802,3803,3804],{"path":3800,"name":26,"lang":33,"published":26},{"path":3800,"name":26,"lang":39,"published":26},{"path":3800,"name":26,"lang":41,"published":26},{"name":3806,"created_at":3807,"published_at":3808,"updated_at":3809,"id":3810,"uuid":3811,"content":3812,"slug":3942,"full_slug":3943,"sort_by_date":26,"position":3944,"tag_list":3945,"is_startpage":29,"parent_id":1794,"meta_data":26,"group_id":3946,"first_published_at":3808,"release_id":26,"lang":33,"path":26,"alternates":3947,"default_full_slug":3948,"translated_slugs":3949},"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":3813,"title":3806,"topics":3814,"noIndex":29,"category":3823,"language":3832,"readTime":52,"component":1648,"heroMedia":3833,"publishedAt":3841,"redirectUrl":52,"leadwallForm":3842,"listingImage":3843,"leadwallTitle":52,"metaDescription":3844,"bottomArticleCta":3845,"leadwallSubtitle":52,"isLeadwallEnabled":29,"componentsAfterTheArticle":3846,"leadwallVisibleParagraphs":52},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[3815],{"name":177,"created_at":178,"published_at":179,"updated_at":180,"id":181,"uuid":182,"content":3816,"slug":193,"full_slug":194,"sort_by_date":26,"position":195,"tag_list":3817,"is_startpage":29,"parent_id":197,"meta_data":26,"group_id":198,"first_published_at":199,"release_id":26,"lang":33,"path":26,"alternates":3818,"default_full_slug":201,"translated_slugs":3819,"_stopResolving":42},{"_uid":192,"name":177,"component":23},[],[],[3820,3821,3822],{"path":201,"name":26,"lang":33,"published":26},{"path":201,"name":26,"lang":39,"published":26},{"path":201,"name":26,"lang":41,"published":26},{"name":1636,"created_at":1637,"published_at":16,"updated_at":1638,"id":1639,"uuid":1640,"content":3824,"slug":1648,"full_slug":1649,"sort_by_date":26,"position":27,"tag_list":3826,"is_startpage":29,"parent_id":1651,"meta_data":26,"group_id":1652,"first_published_at":1653,"release_id":26,"lang":33,"path":26,"alternates":3827,"default_full_slug":1655,"translated_slugs":3828,"_stopResolving":42},{"_uid":1642,"icon":3825,"name":1636,"component":1647},{"id":1644,"alt":1645,"name":52,"focus":52,"title":52,"filename":1646,"copyright":52,"fieldtype":136,"is_external_url":29},[],[],[3829,3830,3831],{"path":1655,"name":26,"lang":33,"published":26},{"path":1655,"name":26,"lang":39,"published":26},{"path":1655,"name":26,"lang":41,"published":26},[33],[3834],{"_uid":3835,"link":3836,"asset":3837,"caption":52,"component":318},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":52,"url":52,"linktype":1833,"fieldtype":141,"cached_url":2869,"prep":42},{"id":3838,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3839,"copyright":52,"fieldtype":136,"meta_data":3840,"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",[],[3847],{"cta":3848,"_uid":3849,"items":3850,"heading":3917,"reverse":29,"component":1788,"sectionSettings":3941},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[3851,3862,3873,3884,3895,3906],{"_uid":3852,"hide":29,"title":3853,"component":1681,"description":3854},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":152,"attrs":3855,"content":3856},{"backgroundColor":26},[3857],{"type":155,"attrs":3858,"content":3859},{"textAlign":26},[3860],{"text":3861,"type":161},"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":3863,"hide":29,"title":3864,"component":1681,"description":3865},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":152,"attrs":3866,"content":3867},{"backgroundColor":26},[3868],{"type":155,"attrs":3869,"content":3870},{"textAlign":26},[3871],{"text":3872,"type":161},"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":3874,"hide":29,"title":3875,"component":1681,"description":3876},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":152,"attrs":3877,"content":3878},{"backgroundColor":26},[3879],{"type":155,"attrs":3880,"content":3881},{"textAlign":26},[3882],{"text":3883,"type":161},"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":3885,"hide":29,"title":3886,"component":1681,"description":3887},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":152,"attrs":3888,"content":3889},{"backgroundColor":26},[3890],{"type":155,"attrs":3891,"content":3892},{"textAlign":26},[3893],{"text":3894,"type":161},"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":3896,"hide":29,"title":3897,"component":1681,"description":3898},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":152,"attrs":3899,"content":3900},{"backgroundColor":26},[3901],{"type":155,"attrs":3902,"content":3903},{"textAlign":26},[3904],{"text":3905,"type":161},"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":3907,"hide":29,"title":3908,"component":1681,"description":3909},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":152,"attrs":3910,"content":3911},{"backgroundColor":26},[3912],{"type":155,"attrs":3913,"content":3914},{"textAlign":26},[3915],{"text":3916,"type":161},"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.",[3918],{"cta":3919,"_uid":3920,"title":3921,"layout":52,"eyebrow":3929,"subtitle":3936,"component":235,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3939,"sectionSettings":3940,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":152,"attrs":3922,"content":3923},{"backgroundColor":26},[3924],{"type":235,"attrs":3925,"content":3926},{"level":237,"textAlign":26},[3927],{"text":3928,"type":161},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":152,"attrs":3930,"content":3931},{"backgroundColor":26},[3932],{"type":155,"attrs":3933,"content":3934},{"textAlign":26},[3935],{"text":1782,"type":161},{"type":152,"content":3937},[3938],{"type":155},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[3950,3951,3952],{"path":3948,"name":26,"lang":33,"published":26},{"path":3948,"name":26,"lang":39,"published":26},{"path":3948,"name":26,"lang":41,"published":26},{"name":3954,"created_at":3955,"published_at":3956,"updated_at":3957,"id":3958,"uuid":3959,"content":3960,"slug":4073,"full_slug":4074,"sort_by_date":26,"position":4075,"tag_list":4076,"is_startpage":29,"parent_id":1794,"meta_data":26,"group_id":4077,"first_published_at":4078,"release_id":26,"lang":33,"path":26,"alternates":4079,"default_full_slug":4080,"translated_slugs":4081},"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":3961,"title":3954,"topics":3962,"noIndex":29,"category":3971,"language":3980,"component":1648,"heroMedia":3981,"publishedAt":3989,"redirectUrl":52,"listingImage":3990,"metaDescription":3991,"bottomArticleCta":3992,"componentsAfterTheArticle":3993},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[3963],{"name":177,"created_at":178,"published_at":179,"updated_at":180,"id":181,"uuid":182,"content":3964,"slug":193,"full_slug":194,"sort_by_date":26,"position":195,"tag_list":3965,"is_startpage":29,"parent_id":197,"meta_data":26,"group_id":198,"first_published_at":199,"release_id":26,"lang":33,"path":26,"alternates":3966,"default_full_slug":201,"translated_slugs":3967,"_stopResolving":42},{"_uid":192,"name":177,"component":23},[],[],[3968,3969,3970],{"path":201,"name":26,"lang":33,"published":26},{"path":201,"name":26,"lang":39,"published":26},{"path":201,"name":26,"lang":41,"published":26},{"name":1636,"created_at":1637,"published_at":16,"updated_at":1638,"id":1639,"uuid":1640,"content":3972,"slug":1648,"full_slug":1649,"sort_by_date":26,"position":27,"tag_list":3974,"is_startpage":29,"parent_id":1651,"meta_data":26,"group_id":1652,"first_published_at":1653,"release_id":26,"lang":33,"path":26,"alternates":3975,"default_full_slug":1655,"translated_slugs":3976,"_stopResolving":42},{"_uid":1642,"icon":3973,"name":1636,"component":1647},{"id":1644,"alt":1645,"name":52,"focus":52,"title":52,"filename":1646,"copyright":52,"fieldtype":136,"is_external_url":29},[],[],[3977,3978,3979],{"path":1655,"name":26,"lang":33,"published":26},{"path":1655,"name":26,"lang":39,"published":26},{"path":1655,"name":26,"lang":41,"published":26},[33],[3982],{"_uid":3983,"link":3984,"asset":3985,"caption":52,"component":318},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":52,"url":52,"linktype":1833,"fieldtype":141,"cached_url":2869,"prep":42},{"id":3986,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3987,"copyright":52,"fieldtype":136,"meta_data":3988,"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.",[],[3994],{"cta":3995,"_uid":3996,"items":3997,"heading":4048,"reverse":29,"component":1788,"sectionSettings":4072},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3998,4015,4026,4037],{"_uid":3999,"hide":29,"title":4000,"component":1681,"description":4001},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":152,"attrs":4002,"content":4003},{"backgroundColor":26},[4004],{"type":155,"attrs":4005,"content":4006},{"textAlign":26},[4007,4009,4013],{"text":4008,"type":161},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":4010,"type":161,"marks":4011},"projet reporté",[4012],{"type":222},{"text":4014,"type":161},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":4016,"hide":29,"title":4017,"component":1681,"description":4018},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":152,"attrs":4019,"content":4020},{"backgroundColor":26},[4021],{"type":155,"attrs":4022,"content":4023},{"textAlign":26},[4024],{"text":4025,"type":161},"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":4027,"hide":29,"title":4028,"component":1681,"description":4029},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":152,"attrs":4030,"content":4031},{"backgroundColor":26},[4032],{"type":155,"attrs":4033,"content":4034},{"textAlign":26},[4035],{"text":4036,"type":161},"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":4038,"hide":29,"title":4039,"component":1681,"description":4040},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":152,"attrs":4041,"content":4042},{"backgroundColor":26},[4043],{"type":155,"attrs":4044,"content":4045},{"textAlign":26},[4046],{"text":4047,"type":161},"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.",[4049],{"cta":4050,"_uid":4051,"title":4052,"eyebrow":4060,"subtitle":4067,"component":235,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4070,"sectionSettings":4071,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":152,"attrs":4053,"content":4054},{"backgroundColor":26},[4055],{"type":235,"attrs":4056,"content":4057},{"level":237,"textAlign":26},[4058],{"text":4059,"type":161},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":152,"attrs":4061,"content":4062},{"backgroundColor":26},[4063],{"type":155,"attrs":4064,"content":4065},{"textAlign":26},[4066],{"text":1782,"type":161},{"type":152,"content":4068},[4069],{"type":155},[],[],[],"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",[4082,4083,4084],{"path":4080,"name":26,"lang":33,"published":26},{"path":4080,"name":26,"lang":39,"published":26},{"path":4080,"name":26,"lang":41,"published":26},["Island",4086],{"key":4087,"result":4088},"MarkdownRenderer_5YbSyUutkXUGsPJYttVYmetXx0S6dhnm63Pl8wQdY",{"head":4089},{"link":4090,"style":4091},[],[],1793980850368]