[{"data":1,"prerenderedAt":2774},["ShallowReactive",2],{"fr-blog/risque-entreprise":3,"fr-global-content":579,"fr-article-global-content":1916,"fr-blog-article-more-articles-208733241":2169},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":566,"full_slug":567,"sort_by_date":60,"position":568,"tag_list":569,"is_startpage":30,"parent_id":570,"meta_data":60,"group_id":571,"first_published_at":572,"release_id":60,"lang":66,"path":60,"alternates":573,"default_full_slug":574,"translated_slugs":575},"Quels sont les risques les plus redoutés des entreprises ?","2022-10-24T15:45:53.466Z","2026-03-20T15:37:09.268Z","2026-03-20T15:37:09.290Z",208733241,"14b4e4d6-d56d-4cd2-9f8b-08b5961dbf0a",{"_uid":11,"roles":12,"title":4,"author":13,"topics":76,"content":107,"category":451,"language":477,"component":464,"heroMedia":478,"sidebarCta":485,"publishedAt":486,"readingTime":487,"redirectUrl":24,"listingImage":488,"metaDescription":24,"componentsAfterTheArticle":489},"3945d314-3869-412e-98f7-77643ccc2a9b",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":58,"full_slug":59,"sort_by_date":60,"position":61,"tag_list":62,"is_startpage":30,"parent_id":63,"meta_data":60,"group_id":64,"first_published_at":65,"release_id":60,"lang":66,"path":60,"alternates":67,"default_full_slug":68,"translated_slugs":69,"_stopResolving":75},"Faustine Rohr-Lacoste","2022-10-19T17:35:55.545Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.862Z",206165068,"d4a7ed1e-5d21-41fb-bb7c-2c248ea8e138",{"_uid":21,"name":14,"links":22,"picture":44,"lastName":46,"component":47,"firstName":48,"description":49},"679675f6-4bbb-4803-9de2-e5f8782359b3",[23,37],{"tag":24,"_uid":25,"icon":26,"link":31,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"","0b7430de-7fc4-469d-8538-693cf73ae98c",{"id":27,"alt":24,"name":24,"focus":24,"title":24,"filename":28,"copyright":24,"fieldtype":29,"is_external_url":30},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":24,"url":32,"linktype":33,"fieldtype":34,"cached_url":32},"https://www.linkedin.com/in/faustine-rohr-lacoste-47787393/","url","multilink","primary","cta",{"tag":24,"_uid":38,"icon":39,"link":42,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"083f5ccf-d27f-49fa-a4e3-cae1940a4da4",{"id":40,"alt":24,"name":24,"focus":24,"title":24,"filename":41,"copyright":24,"fieldtype":29,"is_external_url":30},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":24,"url":43,"linktype":33,"fieldtype":34,"cached_url":43},"https://twitter.com/FaustineRL",{"alt":45,"name":24,"focus":24,"title":24,"filename":45,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/433x433/27a687f561/faustine-photo.png","Rohr-Lacoste","author","Faustine",{"type":50,"content":51},"doc",[52],{"type":53,"content":54},"paragraph",[55],{"text":56,"type":57},"Faustine is Head of Community at Spendesk. She is in charge of CFO Connect, a community of modern finance leaders.","text","faustine-rohr-lacoste","fr/blog/author/faustine-rohr-lacoste",null,-60,[],176408854,"8e827db8-3c56-46b4-bc3a-d2cdb598ddc3","2022-11-02T15:26:18.586Z","fr",[],"blog/author/faustine-rohr-lacoste",[70,71,73],{"path":68,"name":60,"lang":66,"published":60},{"path":68,"name":60,"lang":72,"published":60},"de",{"path":68,"name":60,"lang":74,"published":60},"es",true,[77],{"name":78,"created_at":79,"published_at":80,"updated_at":81,"id":82,"uuid":83,"content":84,"slug":95,"full_slug":96,"sort_by_date":60,"position":61,"tag_list":97,"is_startpage":30,"parent_id":98,"meta_data":60,"group_id":99,"first_published_at":100,"release_id":60,"lang":66,"path":60,"alternates":101,"default_full_slug":102,"translated_slugs":103,"_stopResolving":75},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-09-29T09:14:42.092Z","2026-09-29T09:14:42.108Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"seo":85,"_uid":93,"name":78,"component":94},[86],{"_uid":87,"noIndex":30,"component":88,"metaFields":89},"2aa0fc88-49a5-41a4-a816-354e28dce638","seo",{"_uid":90,"plugin":91,"description":92},"8bba7b1a-dbab-4ced-b302-6091bbc1233f","meta-fields","Gestion des depenses d'entreprise : visibilite, controle et process pour garder les depenses alignees sur le budget.","5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","tag","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",[],176456153,"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[104,105,106],{"path":102,"name":60,"lang":66,"published":60},{"path":102,"name":60,"lang":72,"published":60},{"path":102,"name":60,"lang":74,"published":60},{"type":50,"content":108},[109,113,124,159,168,175,185,189,229,245,250,288,292,338,350,356,361,382,386,414,450],{"type":53,"content":110},[111],{"text":112,"type":57},"Près de 2000 experts répartis dans 80 pays sondent les entreprises pour réaliser un baromètre complet de leurs préoccupations face aux risques. Véritable boussole, il permet de mettre en lumière les sujets les plus préoccupants, et orienter efficacement la prise de décision pour les DAF et les chefs d’entreprise.",{"type":53,"content":114},[115,117,122],{"text":116,"type":57},"Le monde économique dans lequel nous vivons avance vite, très vite…si bien qu’il est parfois difficile de se repérer tant les repères sont parfois bouleversés en l’espace de quelques mois seulement. ",{"text":118,"type":57,"marks":119},"Guerre commerciale, cyberfraude, changement climatique",[120],{"type":121},"bold",{"text":123,"type":57}," : autant de facteurs dont les conséquences sont parfois difficiles à évaluer à court et long terme. Comment bâtir une stratégie de croissance à moyen terme pour votre entreprise dans un monde en perpétuel mouvement ?",{"type":53,"content":125},[126,128,137,139,143,145,151,153,157],{"text":127,"type":57},"Face à ces défis, ",{"text":129,"type":57,"marks":130},"les DAF sont en première ligne",[131],{"type":132,"attrs":133},"link",{"href":134,"uuid":135,"anchor":60,"target":60,"linktype":136},"daf-disruptions-technologiques-changement","950337b2-c9ef-4bfa-b733-6e9ef2bd6177","story",{"text":138,"type":57},". ",{"text":140,"type":57,"marks":141},"Allianz",[142],{"type":121},{"text":144,"type":57}," publie chaque année depuis 2012 un ",{"text":146,"type":57,"marks":147},"baromètre complet des risques",[148],{"type":132,"attrs":149},{"href":150,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.faceaurisque.com/2019/01/15/barometre-des-risques-allianz-2019-la-france-inquiete-sur-la-cybersecurite/",{"text":152,"type":57}," auxquels les entreprises doivent faire face. Cet outil est indispensable pour les aider à appréhender ",{"text":154,"type":57,"marks":155},"les grands enjeux de demain",[156],{"type":121},{"text":158,"type":57},", et y faire face dans les meilleures conditions possibles. Découvrons ensemble ce que révèle le baromètre des risques Allianz 2018.",{"type":160,"attrs":161},"blok",{"id":162,"body":163},"a064bfc6-7b3e-43c2-925c-2e1d1c279cf4",[164],{"_uid":165,"html":166,"component":167},"i-6c96a68b-09c7-4a3b-8f70-55a396b3a39b","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-36024f73-7d09-4d86-8319-f6cad58acae8\">\u003Cspan class=\"hs-cta-node hs-cta-36024f73-7d09-4d86-8319-f6cad58acae8\" id=\"hs-cta-36024f73-7d09-4d86-8319-f6cad58acae8\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/36024f73-7d09-4d86-8319-f6cad58acae8\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-36024f73-7d09-4d86-8319-f6cad58acae8\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/36024f73-7d09-4d86-8319-f6cad58acae8.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '36024f73-7d09-4d86-8319-f6cad58acae8', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":169,"attrs":170,"content":172},"heading",{"level":171},2,[173],{"text":174,"type":57},"Les interruptions d’activité, la première préoccupation des entreprises",{"type":53,"content":176},[177,179,183],{"text":178,"type":57},"Déjà première préoccupation des chefs d’entreprises en 2017, ",{"text":180,"type":57,"marks":181},"les interruptions d’activité demeurent à la tête du classement Allianz",[182],{"type":121},{"text":184,"type":57},". 47% des chefs d’entreprises du monde entier considèrent qu’il s’agit du premier risque auquel doivent faire face les entreprises. Cependant, les causes entraînant des interruptions ont changé au fil du temps.",{"type":53,"content":186},[187],{"text":188,"type":57},"Tout d’abord, il faut souligner que l’interruption d’activité guette absolument toutes les structures, des TPE au grand groupe international. Parmi les principales causes redoutées, nous retrouvons :",{"type":190,"content":191},"bullet_list",[192,199,205,211,217,223],{"type":193,"content":194},"list_item",[195],{"type":53,"content":196},[197],{"text":198,"type":57},"Les perturbations de la chaîne logistique",{"type":193,"content":200},[201],{"type":53,"content":202},[203],{"text":204,"type":57},"Les cyber-incidents (pannes de systèmes informatiques, piratages, etc.)",{"type":193,"content":206},[207],{"type":53,"content":208},[209],{"text":210,"type":57},"Les incendies",{"type":193,"content":212},[213],{"type":53,"content":214},[215],{"text":216,"type":57},"Les catastrophes naturelles",{"type":193,"content":218},[219],{"type":53,"content":220},[221],{"text":222,"type":57},"Les évènements géopolitiques (actes terroristes, violences politiques, etc.)",{"type":193,"content":224},[225],{"type":53,"content":226},[227],{"text":228,"type":57},"Les évolutions réglementaires",{"type":53,"content":230},[231,233,237,239,243],{"text":232,"type":57},"Les ",{"text":234,"type":57,"marks":235},"cyber-incidents",[236],{"type":121},{"text":238,"type":57}," font leur entrée pour la première fois parmi les facteurs faisant redouter une interruption d’activité pour les chefs d’entreprise. La rapidité des transactions fait également ",{"text":240,"type":57,"marks":241},"augmenter rapidement le coût des pertes",[242],{"type":121},{"text":244,"type":57}," en cas de panne ou de piratage, en particulier pour les banques et assurances.",{"type":169,"attrs":246,"content":247},{"level":171},[248],{"text":249,"type":57},"Les cyber-incidents, la nouvelle menace au coeur de toutes les attentions",{"type":53,"content":251},[252,254,258,260,272,274,280,282,286],{"text":253,"type":57},"Il s’agit bien d’une ",{"text":255,"type":57,"marks":256},"menace en forte augmentation",[257],{"type":121},{"text":259,"type":57},", et pour cause, elle a surgi dans le paysage économique en l’espace de quelques années seulement. Peu d’entreprises ont vraiment réussi à ",{"text":261,"type":57,"marks":262},"développer des systèmes de protection à la hauteur de l’évolution des méthodes de",[263],{"type":132,"attrs":264},{"href":265,"uuid":266,"anchor":60,"target":60,"linktype":136,"story":267},"lutte-contre-phishing","4e6df4fa-b14a-4a85-8edd-a429aa7b9dd6",{"name":268,"id":269,"uuid":266,"slug":265,"url":270,"full_slug":271,"_stopResolving":75},"Lutte contre le phishing : tous les outils pour former vos équipes",208733237,"blog/lutte-contre-phishing","fr/blog/lutte-contre-phishing",{"text":273,"type":57}," ",{"text":275,"type":57,"marks":276},"hacking.",[277],{"type":132,"attrs":278},{"href":279,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://blog.spendesk.com/fr/lutte-contre-phishing",{"text":281,"type":57}," Aujourd’hui ",{"text":283,"type":57,"marks":284},"2ème risque le plus important à l’échelle mondiale",[285],{"type":121},{"text":287,"type":57}," (46% des chefs d’entreprises considèrent qu’il s’agit du risque le plus important), il était classé 15ème en 2013. Les cyber-incidents arrivent même en tête du baromètre dans 11 pays différents, et spécialement en Amérique, en Europe et en Asie-Pacifique.",{"type":53,"content":289},[290],{"text":291,"type":57},"Les chefs d’entreprises redoutent en particulier :",{"type":190,"content":293},[294,318,324],{"type":193,"content":295},[296],{"type":53,"content":297},[298,304,305],{"text":299,"type":57,"marks":300},"La",[301],{"type":132,"attrs":302},{"href":303,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://blog.spendesk.com/fr/cyber-protection-securite-donnees-nouveaux-enjeux",{"text":273,"type":57},{"text":306,"type":57,"marks":307},"violation des données",[308],{"type":132,"attrs":309},{"href":310,"uuid":311,"anchor":60,"target":60,"linktype":136,"story":312},"cyber-protection-securite-donnees-nouveaux-enjeux","dd93de68-6f91-4a13-a58f-f7fc5bbd8684",{"name":313,"id":314,"uuid":311,"slug":315,"url":316,"full_slug":317,"_stopResolving":75},"Cybersécurité et données bancaires : nouveaux enjeux des équipes finances",208732317,"cybersecurite-banque","blog/cybersecurite-banque","fr/blog/cybersecurite-banque",{"type":193,"content":319},[320],{"type":53,"content":321},[322],{"text":323,"type":57},"La défaillance des réseaux informatiques",{"type":193,"content":325},[326],{"type":53,"content":327},[328,330,336],{"text":329,"type":57},"Les tentatives de ",{"text":331,"type":57,"marks":332},"piratage",[333],{"type":132,"attrs":334},{"href":335,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://lactualite.com/sante-et-science/2011/10/13/les-10-plus-grands-coups-de-piratage-informatique/",{"text":337,"type":57},", et en particulier les **« ransomware » (**rançongiciel)",{"type":53,"content":339},[340,342,348],{"text":341,"type":57},"De nombreux cas ont émaillé l’actualité récemment, notamment dans le monde de la finance. Au début du mois de juin 2018, la plateforme de bitcoin Coinrail a été piratée, entraînant dans sa chute le cours de la célèbre crypto-monnaie qui a perdu 11% en l’espace de 48 heures. Le même mois, le célèbre service de billetterie en ligne ",{"text":343,"type":57,"marks":344},"Ticketmaster",[345],{"type":132,"attrs":346},{"href":347,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.linkedin.com/feed/update/urn:li:activity:6425288062523179008",{"text":349,"type":57}," a découvert qu’un logiciel espion enregistrait les données bancaires de ses clients depuis le mois de septembre 2017.",{"type":160,"attrs":351},{"id":162,"body":352},[353],{"_uid":354,"html":355,"component":167},"i-5074813e-7a54-4b39-9011-bcd8143598a4","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-bf25993d-2e40-4bd4-91c6-dce0d789585f\">\u003Cspan class=\"hs-cta-node hs-cta-bf25993d-2e40-4bd4-91c6-dce0d789585f\" id=\"hs-cta-bf25993d-2e40-4bd4-91c6-dce0d789585f\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/bf25993d-2e40-4bd4-91c6-dce0d789585f\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-bf25993d-2e40-4bd4-91c6-dce0d789585f\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/bf25993d-2e40-4bd4-91c6-dce0d789585f.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'bf25993d-2e40-4bd4-91c6-dce0d789585f', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":169,"attrs":357,"content":358},{"level":171},[359],{"text":360,"type":57},"Les changements climatiques, une question majeure à long terme",{"type":53,"content":362},[363,364,368,370,374,376,380],{"text":232,"type":57},{"text":365,"type":57,"marks":366},"changements climatiques",[367],{"type":121},{"text":369,"type":57}," sont certainement les bouleversements les plus difficiles à envisager. Nous constatons une ",{"text":371,"type":57,"marks":372},"multiplication des catastrophes naturelles",[373],{"type":121},{"text":375,"type":57}," depuis plusieurs années. En 2017, les ouragans Harvey, Irma et Maria ont engendré plus de 130 milliards de dollars de pertes. La connexion des marchés à l’échelle planétaire et l’interdépendance des entreprises peut rendre des firmes japonaises ou bien françaises vulnérables alors qu’un tremblement de terre est ressenti en Indonésie par exemple. D’après Allianz, ",{"text":377,"type":57,"marks":378},"21% des chefs d’entreprises les considèrent comme le risque premier en 2018",[379],{"type":121},{"text":381,"type":57},".",{"type":53,"content":383},[384],{"text":385,"type":57},"Pour la première fois, l’instabilité climatique croissante entre dans les 10 préoccupations les plus importantes des chefs d’entreprises. 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des budgets - marketing - reporting - moyens de paiement - article - Spendesk","https://a.storyblok.com/f/146026/2380x1340/b9ee3b81ff/gestion-budget-marketing-spendesk-article.png",[],"2023-09-13 00:00","9",[],"Les dépenses marketing sont parfois vues comme opaques et au ROI difficile à évaluer. 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La plateforme propose des cartes physiques et virtuelles, règles d'approbation et export comptable pour assurer visibilité, contrôle des coûts et conformité TVA.",{"_uid":2243,"title":505,"component":496,"description":2244},"5bb98927-c53a-46ae-bc1c-a5ecb7308fea",{"type":50,"content":2245},[2246],{"type":53,"content":2247},[2248],{"text":2249,"type":57},"Spendesk fournit une plateforme centralisée qui combine cartes physiques, cartes virtuelles et notes de frais automatisées. Les employés demandent des fonds et utilisent une carte Spendesk; l'application capture les justificatifs et crée des notes de frais en temps réel. Les responsables valident via des flux d'approbation paramétrables; les équipes financières gèrent budgets, limites et exportent les écritures vers les outils comptables.",{"_uid":2251,"title":2252,"component":496,"description":2253},"8a95250f-d9b0-40de-9ee4-9dd11252aec2","Comment Spendesk aide-t-il à planifier un budget marketing ?",{"type":50,"content":2254},[2255],{"type":53,"content":2256},[2257],{"text":2258,"type":57},"Spendesk centralise la planification et le suivi des budgets marketing. La fonctionnalité Budgets permet d'attribuer enveloppes par équipe ou campagne, générer cartes dédiées et automatiser limites et approbations. Les rapports intégrés et les exports comptables facilitent le suivi du ROI et la maîtrise des dépenses publicitaires.",{"_uid":2260,"title":2261,"component":496,"description":2262},"8657fcec-9ede-4fd5-b064-da13aee67b03","Quelles méthodes de paiement Spendesk propose-t-il pour les achats en ligne et hors ligne ?",{"type":50,"content":2263},[2264],{"type":53,"content":2265},[2266],{"text":2267,"type":57},"Spendesk propose des cartes physiques, cartes virtuelles et virements intégrés pour couvrir achats en ligne et hors ligne. Les cartes virtuelles sécurisent les paiements en ligne avec limites à usage unique; les cartes physiques servent pour achats terrain; la plateforme gère aussi traitement des factures et rapprochement des paiements.",{"_uid":2269,"title":2270,"component":496,"description":2271},"7b230a82-ee12-4c7a-8c30-4279eeb4f441","Comment Spendesk s'intègre-t-il aux outils comptables ?",{"type":50,"content":2272},[2273],{"type":53,"content":2274},[2275],{"text":2276,"type":57},"Spendesk s'intègre directement aux principaux outils comptables via export automatique et connecteurs. 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Une note de frais = justificatif. Découvrez les obligations liées à chaque dépense pro.",[2370],{"_uid":2371,"items":2372,"heading":2409,"reverse":30,"component":557,"sectionSettings":2427},"01a6cd30-00a5-43de-ac6f-958dbbb91828",[2373,2382,2391,2400],{"_uid":2374,"title":2375,"component":496,"description":2376},"3c342cc4-d9e2-49b3-a1b2-2bcfe1959412","Quels justificatifs sont acceptés pour une note de frais en France ?",{"type":50,"content":2377},[2378],{"type":53,"content":2379},[2380],{"text":2381,"type":57},"Spendesk accepte les factures, tickets de caisse et reçus numériques en PDF ou photo en tant que justificatifs, et permet le rattachement direct de chaque justificatif à la dépense correspondante. Spendesk conserve ces fichiers dans l'espace de dépense associé et affiche les informations extraites (montant, date, fournisseur) via OCR pour simplifier le contrôle comptable.",{"_uid":2383,"title":2384,"component":496,"description":2385},"e2487ff9-4793-4833-80ee-4356d1fe9e08","Comment ajouter un justificatif à une dépense depuis mon mobile ?",{"type":50,"content":2386},[2387],{"type":53,"content":2388},[2389],{"text":2390,"type":57},"Spendesk permet d'ajouter un justificatif depuis l'application mobile en prenant une photo ou en téléchargeant un PDF, puis en attachant automatiquement le fichier à la dépense concernée. Spendesk utilise la reconnaissance OCR pour préremplir les champs de dépense et synchronise le justificatif avec le workflow d'approbation et les enregistrements comptables.",{"_uid":2392,"title":2393,"component":496,"description":2394},"50189df4-ee8c-436c-b043-b5c28b6c92bb","Comment Spendesk aide à contrôler la conformité des justificatifs de frais ?",{"type":50,"content":2395},[2396],{"type":53,"content":2397},[2398],{"text":2399,"type":57},"Spendesk applique des règles de dépenses et des workflows d'approbation personnalisés qui obligent l'ajout de justificatifs avant validation, et affiche les métadonnées extraites (montant, date, TVA) pour les contrôleurs. 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Spendesk organise les fichiers et les métadonnées pour un import simple et traçable dans le logiciel de comptabilité.",[2410],{"cta":2411,"_uid":2412,"title":2413,"eyebrow":2420,"subtitle":2423,"component":169,"textAlign":24,"sectionSettings":2426,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"0361bf20-37fc-4b0f-aede-1d1d16346f60",{"type":50,"content":2414},[2415],{"type":169,"attrs":2416,"content":2417},{"level":171},[2418],{"text":2419,"type":57},"Justificatif Note De Frais — FAQ",{"type":50,"content":2421},[2422],{"type":53},{"type":50,"content":2424},[2425],{"type":53},[],[2428],{"_uid":2429,"hide":30,"theme":561,"anchorId":24,"component":562,"spacingTop":24,"hideOnDevices":2430,"spacingBottom":24,"floatingImages":2431,"variableOverrides":2432},"a44105d2-b9dc-4748-8b62-c531c0326d85",[],[],[],"justificatif-note-de-frais","fr/blog/justificatif-note-de-frais",8680,[],"211dcec6-87e3-41ff-a94f-a51dc7ec6cfa","2022-11-04T11:13:01.888Z",[],"blog/justificatif-note-de-frais",[2442,2443,2444],{"path":2440,"name":60,"lang":66,"published":60},{"path":2440,"name":60,"lang":72,"published":60},{"path":2440,"name":60,"lang":74,"published":60},{"name":2446,"created_at":2447,"published_at":2448,"updated_at":2449,"id":2450,"uuid":2451,"content":2452,"slug":2587,"full_slug":2588,"sort_by_date":60,"position":2589,"tag_list":2590,"is_startpage":30,"parent_id":570,"meta_data":60,"group_id":2591,"first_published_at":2592,"release_id":60,"lang":66,"path":60,"alternates":2593,"default_full_slug":2594,"translated_slugs":2595},"Gestion des dépenses : construire un business case et mesurer le ROI","2026-10-17T14:25:58.887Z","2026-10-17T15:20:45.276Z","2026-10-17T15:20:45.306Z",231659761240528,"46a6938b-f876-4e7e-b6a0-1d7b0b193cbe",{"_uid":2453,"title":2446,"topics":2454,"noIndex":30,"category":2463,"language":2472,"component":464,"heroMedia":2473,"publishedAt":2481,"redirectUrl":24,"leadwallForm":2482,"listingImage":2483,"leadwallTitle":24,"metaDescription":2484,"bottomArticleCta":2485,"leadwallSubtitle":24,"isLeadwallEnabled":30,"componentsAfterTheArticle":2486,"leadwallVisibleParagraphs":24},"8b633818-db49-4d12-a7b2-4ceac44a61d2",[2455],{"name":78,"created_at":79,"published_at":80,"updated_at":81,"id":82,"uuid":83,"content":2456,"slug":95,"full_slug":96,"sort_by_date":60,"position":61,"tag_list":2457,"is_startpage":30,"parent_id":98,"meta_data":60,"group_id":99,"first_published_at":100,"release_id":60,"lang":66,"path":60,"alternates":2458,"default_full_slug":102,"translated_slugs":2459,"_stopResolving":75},{"_uid":93,"name":78,"component":94},[],[],[2460,2461,2462],{"path":102,"name":60,"lang":66,"published":60},{"path":102,"name":60,"lang":72,"published":60},{"path":102,"name":60,"lang":74,"published":60},{"name":452,"created_at":453,"published_at":16,"updated_at":454,"id":455,"uuid":456,"content":2464,"slug":464,"full_slug":465,"sort_by_date":60,"position":466,"tag_list":2466,"is_startpage":30,"parent_id":468,"meta_data":60,"group_id":469,"first_published_at":470,"release_id":60,"lang":66,"path":60,"alternates":2467,"default_full_slug":472,"translated_slugs":2468,"_stopResolving":75},{"_uid":458,"icon":2465,"name":452,"component":463},{"id":460,"alt":461,"name":24,"focus":24,"title":24,"filename":462,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[2469,2470,2471],{"path":472,"name":60,"lang":66,"published":60},{"path":472,"name":60,"lang":72,"published":60},{"path":472,"name":60,"lang":74,"published":60},[66],[2474],{"_uid":2475,"link":2476,"asset":2477,"caption":24,"component":484},"51523cc3-7b68-4b00-9d00-bf6ddde35529",{"id":24,"url":24,"linktype":136,"fieldtype":34,"cached_url":1644,"prep":75},{"id":2478,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2479,"copyright":24,"fieldtype":29,"meta_data":2480,"is_external_url":30},231662359729879,"https://a.storyblok.com/f/146026/1536x1024/2e9f0ea376/gestion-des-depenses-construire-un-business-case-et-mesurer-le-roi.png",{},"2026-10-17 00:00",[],[],"Construisez un business case de gestion des dépenses avec un modèle concret pour calculer le ROI, le TCO, les gains et le délai de récupération.",[],[2487],{"cta":2488,"_uid":2489,"items":2490,"heading":2562,"reverse":30,"component":557,"sectionSettings":2586},[],"3f8ed96a-76e2-4d90-8259-905056b7cff6",[2491,2508,2528,2545],{"_uid":2492,"hide":30,"title":2493,"component":496,"description":2494},"001ffd20-9dfe-4654-b55a-dfe473d622b9","Quel est le délai de récupération d’un logiciel de gestion des dépenses ?",{"type":50,"attrs":2495,"content":2496},{"backgroundColor":60},[2497],{"type":53,"attrs":2498,"content":2499},{"textAlign":60},[2500,2502,2506],{"text":2501,"type":57},"Il dépend du volume de dépenses traité, du temps actuellement consacré aux tâches manuelles et du coût de la solution. Dans l’exemple illustratif de cet article, le délai varie de ",{"text":2503,"type":57,"marks":2504},"4,3 à 16,7 mois",[2505],{"type":121},{"text":2507,"type":57}," selon le scénario. Ces chiffres ne constituent pas une garantie de résultat.",{"_uid":2509,"hide":30,"title":2510,"component":496,"description":2511},"a7c098cb-6d0a-46c6-a029-e9974db07749","Faut-il compter tout le temps gagné comme une économie ?",{"type":50,"attrs":2512,"content":2513},{"backgroundColor":60},[2514],{"type":53,"attrs":2515,"content":2516},{"textAlign":60},[2517,2521,2523,2527],{"text":2518,"type":57,"marks":2519},"Non.",[2520],{"type":121},{"text":2522,"type":57}," Le temps gagné ne devient une économie que s’il est réaffecté à une activité mesurable ou s’il permet d’éviter un coût, comme un recrutement supplémentaire. 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00:00",[],"Dépenses hors politique, apprenez à qualifier les exceptions, les faire valider et ajuster votre politique sans perdre le contrôle.",[],[2647],{"cta":2648,"_uid":2649,"items":2650,"heading":2735,"reverse":30,"component":557,"sectionSettings":2761},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[2651,2671,2692,2713],{"_uid":2652,"hide":30,"title":2653,"component":496,"description":2654},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":50,"attrs":2655,"content":2656},{"backgroundColor":60},[2657,2662],{"type":53,"attrs":2658,"content":2659},{"textAlign":60},[2660],{"text":2661,"type":57},"Oui, une dépense peut être refusée lorsqu’elle n’est pas professionnelle, qu’elle n’est pas justifiée ou que son montant est manifestement disproportionné.",{"type":53,"attrs":2663,"content":2664},{"textAlign":60},[2665,2667],{"text":2666,"type":57},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":2668,"type":57,"marks":2669},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[2670],{"type":121},{"_uid":2672,"hide":30,"title":2673,"component":496,"description":2674},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":50,"attrs":2675,"content":2676},{"backgroundColor":60},[2677,2682],{"type":53,"attrs":2678,"content":2679},{"textAlign":60},[2680],{"text":2681,"type":57},"Oui. Le collaborateur doit expliquer le dépassement et fournir le justificatif correspondant. L’entreprise peut alors rembourser la totalité de la dépense, seulement la partie située dans la limite prévue ou le montant complet après validation d’une dérogation.",{"type":53,"attrs":2683,"content":2684},{"textAlign":60},[2685,2687,2691],{"text":2686,"type":57},"La décision doit être conservée avec ",{"text":2688,"type":57,"marks":2689},"le motif et l’identité de l’approbateur",[2690],{"type":121},{"text":381,"type":57},{"_uid":2693,"hide":30,"title":2694,"component":496,"description":2695},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":50,"attrs":2696,"content":2697},{"backgroundColor":60},[2698,2703],{"type":53,"attrs":2699,"content":2700},{"textAlign":60},[2701],{"text":2702,"type":57},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":53,"attrs":2704,"content":2705},{"textAlign":60},[2706,2708,2712],{"text":2707,"type":57},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":2709,"type":57,"marks":2710},"10 ans à compter de la clôture de l’exercice",[2711],{"type":121},{"text":381,"type":57},{"_uid":2714,"hide":30,"title":2715,"component":496,"description":2716},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":50,"attrs":2717,"content":2718},{"backgroundColor":60},[2719,2724],{"type":53,"attrs":2720,"content":2721},{"textAlign":60},[2722],{"text":2723,"type":57},"Définissez les approbateurs par entité, département et niveau de dépense. 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