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Si le taux de change évolue de manière défavorable, une vente rentable peut devenir une perte majeure entre la date de facturation et celle de l'encaissement. Pour toute entreprise qui achète ou vend dans plusieurs devises, ce risque pèse directement sur les marges, la trésorerie et la capacité à fixer des prix stables. Cet article détaille les mécanismes de la volatilité des taux de change, présente les instruments de couverture accessibles aux PME et ETI françaises, et propose une feuille de route pour bâtir une politique de change opérationnelle.",[167],{"type":168,"attrs":169},"textStyle",{"color":170},"#000000",{"type":172,"attrs":173,"content":175},"heading",{"level":174,"textAlign":25},2,[176],{"text":177,"type":103,"marks":178},"Pourquoi la volatilité des changes est redevenue un sujet prioritaire en France",[179],{"type":168,"attrs":180},{"color":170},{"type":182,"attrs":183},"blok",{"id":184,"body":185},"9ae77ec1-3c9f-40f8-ae57-d09608402ee8",[186],{"_uid":187,"type":73,"asset":188,"caption":73,"overlay":192,"component":193},"i-6bf8cbe8-d162-4a2a-a348-ff8da8cf5520",{"id":189,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":190,"copyright":73,"fieldtype":78,"meta_data":191,"is_external_url":28},168565554465235,"https://a.storyblok.com/f/146026/8192x5464/ab80aa3023/a-team-of-employees-meeting.jpeg",{},[],"image",{"type":97,"attrs":195,"content":197},{"textAlign":25,"key":196},"p-1",[198],{"text":199,"type":103,"marks":200},"Le cadre réglementaire français impose aux entreprises une rigueur particulière dans le traitement des opérations en devises. Le Plan Comptable Général (Règlement ANC n° 2014-03, articles 420-5 à 420-8) exige la conversion des créances et dettes en devises au dernier cours de clôture. Il impose aussi la comptabilisation des écarts de conversion dans les comptes transitoires 476 et 477.",[201],{"type":168,"attrs":202},{"color":170},{"type":97,"attrs":204,"content":206},{"textAlign":25,"key":205},"p-2",[207,212,225],{"text":208,"type":103,"marks":209},"Du côté fiscal, l'article 38-4 du Code général des impôts (doctrine ",[210],{"type":168,"attrs":211},{"color":170},{"text":213,"type":103,"marks":214},"BOI-BIC-CHG-50-70",[215,220,223],{"type":216,"attrs":217},"link",{"href":218,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://bofip.impots.gouv.fr/bofip/1413-PGP.html/identifiant%3DBOI-BIC-CHG-50-70-20120912","_blank",{"type":168,"attrs":221},{"color":222},"#1155CC",{"type":224},"underline",{"text":226,"type":103,"marks":227},") autorise la déduction des pertes de change si elles relèvent de la gestion normale de votre entreprise. Les gains de change, eux, restent imposables au moment de leur réalisation.",[228],{"type":168,"attrs":229},{"color":170},{"type":97,"attrs":231,"content":233},{"textAlign":25,"key":232},"p-3",[234,239,248],{"text":235,"type":103,"marks":236},"Ces règles prennent tout leur sens dans le contexte actuel. Le 21 avril 2025, l'EUR/USD a atteint plus de 1,15 dollar pour 1 euro, son plus haut niveau depuis février 2022, selon le ",[237],{"type":168,"attrs":238},{"color":170},{"text":240,"type":103,"marks":241},"Rapport sur la stabilité financière de la Banque de France (juin 2025)",[242,245,247],{"type":216,"attrs":243},{"href":244,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.banque-france.fr/system/files/2025-06/RSF_juin_2025.pdf",{"type":168,"attrs":246},{"color":222},{"type":224},{"text":249,"type":103,"marks":250},". Cette appréciation brutale a pris à contre-pied les entreprises qui anticipaient encore un retour à la parité début 2025.",[251],{"type":168,"attrs":252},{"color":170},{"type":172,"attrs":254,"content":255},{"level":174,"textAlign":25},[256],{"text":257,"type":103,"marks":258},"Qu'est-ce que la volatilité des taux de change ?",[259],{"type":168,"attrs":260},{"color":170},{"type":97,"attrs":262,"content":264},{"textAlign":25,"key":263},"p-4",[265],{"text":266,"type":103,"marks":267},"La volatilité des taux de change désigne l'amplitude et la fréquence des fluctuations du cours d'une devise par rapport à une autre sur une période donnée. Pour vous, en tant que responsable financier, elle se traduit par un écart entre le cours anticipé lors de la fixation de vos prix et le cours réellement constaté au moment du règlement.",[268],{"type":168,"attrs":269},{"color":170},{"type":97,"attrs":271,"content":273},{"textAlign":25,"key":272},"p-5",[274,279,288],{"text":275,"type":103,"marks":276},"Comme le souligne la Banque de France, « les cours de change connaissent souvent des évolutions volatiles et peu prévisibles » et « le risque de change peut complètement modifier la performance, en absorbant ou amplifiant les gains attendus » (",[277],{"type":168,"attrs":278},{"color":170},{"text":280,"type":103,"marks":281},"site de la Banque de France",[282,285,287],{"type":216,"attrs":283},{"href":284,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/le-carry-trade-au-risque-de-la-volatilite",{"type":168,"attrs":286},{"color":222},{"type":224},{"text":289,"type":103,"marks":290},").",[291],{"type":168,"attrs":292},{"color":170},{"type":97,"attrs":294,"content":296},{"textAlign":25,"key":295},"p-6",[297],{"text":298,"type":103,"marks":299},"Ce risque se décline en trois dimensions opérationnelles qu'il vous faut distinguer pour calibrer votre stratégie.",[300],{"type":168,"attrs":301},{"color":170},{"type":303,"content":304},"bullet_list",[305,324,341],{"type":306,"content":307},"list_item",[308],{"type":97,"attrs":309,"content":311},{"textAlign":25,"key":310},"p-7",[312,319],{"text":313,"type":103,"marks":314},"Le risque de transaction",[315,317],{"type":168,"attrs":316},{"color":170},{"type":318},"bold",{"text":320,"type":103,"marks":321}," touche vos flux d'encaissements et de décaissements en devises : une facture client en dollars à encaisser dans 90 jours, un fournisseur à régler en dollars.",[322],{"type":168,"attrs":323},{"color":170},{"type":306,"content":325},[326],{"type":97,"attrs":327,"content":329},{"textAlign":25,"key":328},"p-8",[330,336],{"text":331,"type":103,"marks":332},"Le risque de consolidation",[333,335],{"type":168,"attrs":334},{"color":170},{"type":318},{"text":337,"type":103,"marks":338}," concerne les états financiers consolidés lorsque vous convertissez les bilans de vos filiales étrangères.",[339],{"type":168,"attrs":340},{"color":170},{"type":306,"content":342},[343],{"type":97,"attrs":344,"content":346},{"textAlign":25,"key":345},"p-9",[347,353],{"text":348,"type":103,"marks":349},"Le risque économique",[350,352],{"type":168,"attrs":351},{"color":170},{"type":318},{"text":354,"type":103,"marks":355},", plus diffus, affecte votre compétitivité-prix à moyen terme — par exemple lorsqu'un concurrent en Asie bénéficie d'un yuan affaibli.",[356],{"type":168,"attrs":357},{"color":170},{"type":172,"attrs":359,"content":360},{"level":174,"textAlign":25},[361],{"text":362,"type":103,"marks":363},"Quel est l'impact concret sur les marges et la trésorerie ?",[364],{"type":168,"attrs":365},{"color":170},{"type":97,"attrs":367,"content":369},{"textAlign":25,"key":368},"p-10",[370],{"text":371,"type":103,"marks":372},"Vous connaissez la difficulté de boucler un bilan prévisionnel quand le cours d'une devise évolue de plusieurs points en quelques semaines. L'ampleur des mouvements récents illustre l’ampleur du problème.",[373],{"type":168,"attrs":374},{"color":170},{"type":97,"attrs":376,"content":378},{"textAlign":25,"key":377},"p-11",[379,384,393,398,407],{"text":380,"type":103,"marks":381},"Entre les projections de mars et juin 2025, l'euro s'est apprécié de 8,3 % face au dollar, selon les ",[382],{"type":168,"attrs":383},{"color":170},{"text":385,"type":103,"marks":386},"projections de la Banque Centrale Européenne",[387,390,392],{"type":216,"attrs":388},{"href":389,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.ecb.europa.eu/press/projections/html/ecb.projections202506_eurosystemstaff~16a68fbaf4.fr.html",{"type":168,"attrs":391},{"color":222},{"type":224},{"text":394,"type":103,"marks":395},". Pour une entreprise française exportant vers les États-Unis, les exportations françaises vers les États-Unis représentent 1,7 % du PIB selon la ",[396],{"type":168,"attrs":397},{"color":170},{"text":399,"type":103,"marks":400},"Banque de France",[401,404,406],{"type":216,"attrs":402},{"href":403,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/projections-macroeconomiques-intermediaires-mars-2025",{"type":168,"attrs":405},{"color":222},{"type":224},{"text":408,"type":103,"marks":409},". Cette appréciation réduit mécaniquement la valeur en euros de chaque dollar encaissé.",[410],{"type":168,"attrs":411},{"color":170},{"type":97,"attrs":413,"content":415},{"textAlign":25,"key":414},"p-12",[416,421,430,435,444,449,458],{"text":417,"type":103,"marks":418},"D'après le ",[419],{"type":168,"attrs":420},{"color":170},{"text":422,"type":103,"marks":423},"Rapport sur la stabilité financière (juin 2025)",[424,427,429],{"type":216,"attrs":425},{"href":426,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-sur-la-stabilite-financiere-juin-2025",{"type":168,"attrs":428},{"color":222},{"type":224},{"text":431,"type":103,"marks":432},", les secteurs les plus exposés au risque EUR/USD en France sont la construction aéronautique et spatiale, les boissons et l'industrie pharmaceutique. Mais le choc ne s’y limite pas. Les exportations de la zone euro se sont contractées de 3,1 % sur trois mois à août 2025 (",[433],{"type":168,"attrs":434},{"color":170},{"text":436,"type":103,"marks":437},"BCE, Bulletin n° 7/2025",[438,441,443],{"type":216,"attrs":439},{"href":440,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.ecb.europa.eu/pub/pdf/ecbu/eb202507.en.pdf",{"type":168,"attrs":442},{"color":222},{"type":224},{"text":445,"type":103,"marks":446},"), et la Banque de France estime que l'incertitude commerciale a coûté 0,2 point de PIB sur 2025-2026 (",[447],{"type":168,"attrs":448},{"color":170},{"text":450,"type":103,"marks":451},"projections de décembre 2025",[452,455,457],{"type":216,"attrs":453},{"href":454,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/projections-macroeconomiques-decembre-2025",{"type":168,"attrs":456},{"color":222},{"type":224},{"text":289,"type":103,"marks":459},[460],{"type":168,"attrs":461},{"color":170},{"type":172,"attrs":463,"content":464},{"level":174,"textAlign":25},[465],{"text":466,"type":103,"marks":467},"Quels instruments de couverture pouvez-vous utiliser ?",[468],{"type":168,"attrs":469},{"color":170},{"type":172,"attrs":471,"content":473},{"level":472,"textAlign":25},3,[474],{"text":475,"type":103,"marks":476},"Le contrat à terme : la base pour les flux prévisibles",[477],{"type":168,"attrs":478},{"color":170},{"type":97,"attrs":480,"content":481},{"textAlign":25,"key":99},[482,487,496],{"text":483,"type":103,"marks":484},"Le contrat à terme vous engage à acheter ou vendre un montant de devises à une date future et à un cours fixé à l'avance, négocié de gré à gré avec votre banque. La banque intègre le différentiel de taux entre les deux devises dans le prix. Au-delà de deux ans, ce type de contrat peut devenir extrêmement cher, comme le souligne Florence Saliba, présidente de l’Association française des trésoriers d’entreprise (AFTE) (",[485],{"type":168,"attrs":486},{"color":170},{"text":488,"type":103,"marks":489},"entrepreneurs.lesechos.fr",[490,493,495],{"type":216,"attrs":491},{"href":492,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://entrepreneurs.lesechos.fr/gestion-entreprise/finance/risque-de-change-comment-preserver-son-entreprise-2013402",{"type":168,"attrs":494},{"color":222},{"type":224},{"text":289,"type":103,"marks":497},[498],{"type":168,"attrs":499},{"color":170},{"type":97,"attrs":501,"content":502},{"textAlign":25,"key":196},[503,508,517],{"text":504,"type":103,"marks":505},"Ce mécanisme supprime totalement l'incertitude sur le cours, mais il vous prive d'une évolution de marché favorable. Il convient aux PME et ETI ayant des flux en devises prévisibles à court terme. Le traitement comptable s'inscrit dans le cadre des ",[506],{"type":168,"attrs":507},{"color":170},{"text":509,"type":103,"marks":510},"articles 628-1 et suivants du PCG",[511,514,516],{"type":216,"attrs":512},{"href":513,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.afte.com/formations/certificat-gestion-des-risques-de-change-et-taux-15",{"type":168,"attrs":515},{"color":222},{"type":224},{"text":518,"type":103,"marks":519},".",[520],{"type":168,"attrs":521},{"color":170},{"type":97,"attrs":523,"content":524},{"textAlign":25,"key":205},[525],{"text":526,"type":103,"marks":527},"Pour les devises non convertibles (yuan, real brésilien, roupie indienne), une variante existe : le contrat à terme non livrable (NDF), réglé par compensation financière à l'échéance sans livraison physique de la devise.",[528],{"type":168,"attrs":529},{"color":170},{"type":172,"attrs":531,"content":532},{"level":472,"textAlign":25},[533],{"text":534,"type":103,"marks":535},"L'option de change : de la flexibilité contre une prime",[536],{"type":168,"attrs":537},{"color":170},{"type":97,"attrs":539,"content":540},{"textAlign":25,"key":232},[541],{"text":542,"type":103,"marks":543},"L'option vous donne le droit, mais pas l'obligation, d'acheter ou de vendre un montant de devises à un cours fixé. Vous payez une prime en contrepartie de cette flexibilité. Si le cours évolue en votre faveur, vous n'exercez tout simplement pas l'option. C'est un avantage lorsque vos flux sont incertains, par exemple pour une réponse à un appel d'offres international.",[544],{"type":168,"attrs":545},{"color":170},{"type":97,"attrs":547,"content":548},{"textAlign":25,"key":263},[549],{"text":550,"type":103,"marks":551},"La contrepartie : la prime représente un coût immédiat, et la gestion des options demande une expertise que toutes les équipes finance ne possèdent pas. Les options sont donc réservées aux entreprises averties.",[552],{"type":168,"attrs":553},{"color":170},{"type":172,"attrs":555,"content":556},{"level":472,"textAlign":25},[557],{"text":558,"type":103,"marks":559},"Le swap de devises et la couverture naturelle",[560],{"type":168,"attrs":561},{"color":170},{"type":97,"attrs":563,"content":564},{"textAlign":25,"key":272},[565,570,579],{"text":566,"type":103,"marks":567},"Le swap de devises permet d'échanger temporairement des flux financiers entre deux devises. Les swaps de change représentent 74 % des opérations de dérivés en France, contre 4 % en moyenne mondiale, selon l'",[568],{"type":168,"attrs":569},{"color":170},{"text":571,"type":103,"marks":572},"enquête BRI 2025 de la Banque de France",[573,576,578],{"type":216,"attrs":574},{"href":575,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/enquete-mondiale-triennale-sur-les-derives-quel-positionnement-de-la-place-de-paris",{"type":168,"attrs":577},{"color":222},{"type":224},{"text":580,"type":103,"marks":581},". Cet instrument convient davantage aux ETI ayant des emprunts en devises ou des filiales étrangères.",[582],{"type":168,"attrs":583},{"color":170},{"type":97,"attrs":585,"content":586},{"textAlign":25,"key":295},[587,592,600],{"text":588,"type":103,"marks":589},"La couverture naturelle, quant à elle, consiste à équilibrer vos achats et ventes dans la même devise. Par exemple, vous conservez vos encaissements en USD sur un compte dédié pour régler vos fournisseurs en USD, sans conversion. Son coût se limite souvent à des frais de tenue de compte, et le ",[590],{"type":168,"attrs":591},{"color":170},{"text":593,"type":103,"marks":594},"PCG (article 420-7)",[595,597,599],{"type":216,"attrs":596},{"href":513,"uuid":25,"anchor":25,"target":219,"linktype":82},{"type":168,"attrs":598},{"color":222},{"type":224},{"text":601,"type":103,"marks":602}," encadre le traitement des opérations correspondantes. Variante encore plus simple : facturer en euros pour transférer le risque sur votre partenaire étranger.",[603],{"type":168,"attrs":604},{"color":170},{"type":172,"attrs":606,"content":607},{"level":174,"textAlign":25},[608],{"text":609,"type":103,"marks":610},"Pourquoi les PME et ETI restent-elles sous-couvertes ?",[611],{"type":168,"attrs":612},{"color":170},{"type":97,"attrs":614,"content":615},{"textAlign":25,"key":310},[616,621,630],{"text":617,"type":103,"marks":618},"Entre la pression de la clôture mensuelle, les urgences de trésorerie et le manque de ressources dédiées, les raisons de repousser la mise en place d’une couverture ne manquent pas. Le résultat : selon une enquête AMRAE citée dans ",[619],{"type":168,"attrs":620},{"color":170},{"text":622,"type":103,"marks":623},"Les Echos (octobre 2021)",[624,627,629],{"type":216,"attrs":625},{"href":626,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://externals.lesechos.fr/mobiles/LesEchos-20211028.pdf",{"type":168,"attrs":628},{"color":222},{"type":224},{"text":631,"type":103,"marks":632},", 87 % des grandes entreprises disposent d'une couverture de change, contre seulement 8 % des ETI.",[633],{"type":168,"attrs":634},{"color":170},{"type":97,"attrs":636,"content":637},{"textAlign":25,"key":328},[638,643,652],{"text":639,"type":103,"marks":640},"Pourtant, le comportement des PME évolue rapidement. Entre le 2 et le 3 avril 2025, au lendemain de l'annonce de nouveaux droits de douane américains, une plateforme spécialisée a enregistré une multiplication par quatre des opérations de couverture de ses clients PME (",[641],{"type":168,"attrs":642},{"color":170},{"text":644,"type":103,"marks":645},"daf-mag.fr",[646,649,651],{"type":216,"attrs":647},{"href":648,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.daf-mag.fr/Thematique/gestion-risque-1241/gouvernance-strategie-2125/Breves/guerre-commerciale-pme-renforcent-strategie-couverture-473441.htm",{"type":168,"attrs":650},{"color":222},{"type":224},{"text":289,"type":103,"marks":653},[654],{"type":168,"attrs":655},{"color":170},{"type":97,"attrs":657,"content":658},{"textAlign":25,"key":345},[659,664,672,677,686],{"text":660,"type":103,"marks":661},"Ce décalage entre grandes entreprises et PME/ETI s'explique par plusieurs erreurs récurrentes : ",[662],{"type":168,"attrs":663},{"color":170},{"text":665,"type":103,"marks":666},"l'absence de politique de change formalisée, des systèmes d'information sans suivi de change intégré",[667,669,671],{"type":216,"attrs":668},{"href":626,"uuid":25,"anchor":25,"target":219,"linktype":82},{"type":168,"attrs":670},{"color":222},{"type":224},{"text":673,"type":103,"marks":674},", ou encore le recours à des produits trop complexes qui immobilisent la trésorerie. Comme le note Philippe Gélis dans ",[675],{"type":168,"attrs":676},{"color":170},{"text":678,"type":103,"marks":679},"La Tribune",[680,683,685],{"type":216,"attrs":681},{"href":682,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.latribune.fr/opinions/tribunes/aeronautique-comment-gerer-les-turbulences-sur-les-devises-486750.html",{"type":168,"attrs":684},{"color":222},{"type":224},{"text":687,"type":103,"marks":688},", « les équipes de ventes des banques sont incitées à vendre des produits de couverture les plus complexes et les plus onéreux possibles ». Une stratégie simple et limitée aux produits nécessaires reste la meilleure approche.",[689],{"type":168,"attrs":690},{"color":170},{"type":172,"attrs":692,"content":693},{"level":174,"textAlign":25},[694],{"text":695,"type":103,"marks":696},"Comment construire votre politique de change en quatre phases",[697],{"type":168,"attrs":698},{"color":170},{"type":182,"attrs":700},{"id":184,"body":701},[702],{"_uid":703,"type":73,"asset":704,"caption":73,"overlay":708,"component":193},"i-8ac75c85-5eec-49e5-89f8-b66603a9bf2f",{"id":705,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":706,"copyright":73,"fieldtype":78,"meta_data":707,"is_external_url":28},168565554534868,"https://a.storyblok.com/f/146026/12609x4931/d07502f75b/a-team-of-employees-meeting.jpeg",{},[],{"type":172,"attrs":710,"content":711},{"level":472,"textAlign":25},[712],{"text":713,"type":103,"marks":714},"Phase 1 — Diagnostiquer votre exposition réelle",[715],{"type":168,"attrs":716},{"color":170},{"type":97,"attrs":718,"content":719},{"textAlign":25,"key":368},[720,725,733],{"text":721,"type":103,"marks":722},"Cartographiez toutes vos expositions en devises : flux transactionnels, postes de bilan, hors-bilan. Identifiez les pays à régime de change contrôlé dans votre périmètre groupe. L'",[723],{"type":168,"attrs":724},{"color":170},{"text":726,"type":103,"marks":727},"AFTE recommande de distinguer systématiquement risque transactionnel, risque de consolidation et risque économique pour chaque devise",[728,730,732],{"type":216,"attrs":729},{"href":513,"uuid":25,"anchor":25,"target":219,"linktype":82},{"type":168,"attrs":731},{"color":222},{"type":224},{"text":518,"type":103,"marks":734},[735],{"type":168,"attrs":736},{"color":170},{"type":97,"attrs":738,"content":739},{"textAlign":25,"key":377},[740,745,755],{"text":741,"type":103,"marks":742},"C'est précisément à ce stade que la visibilité sur vos dépenses en devises devient déterminante. Spendesk, plateforme de gestion des dépenses tout-en-un centralisant achats, ",[743],{"type":168,"attrs":744},{"color":170},{"text":746,"type":103,"marks":747},"cartes d'entreprise intelligentes",[748,752,754],{"type":216,"attrs":749},{"href":750,"uuid":25,"anchor":25,"target":751,"linktype":82},"https://www.spendesk.com/fr/platform/","_self",{"type":168,"attrs":753},{"color":222},{"type":224},{"text":756,"type":103,"marks":757},", notes de frais, factures et budgets, permet de centraliser les dépenses dans une interface unique pour mieux suivre les dépenses et mesurer votre exposition réelle avant toute décision de couverture.",[758],{"type":168,"attrs":759},{"color":170},{"type":172,"attrs":761,"content":762},{"level":472,"textAlign":25},[763],{"text":764,"type":103,"marks":765},"Phase 2 — Rédiger une politique validée par la direction générale",[766],{"type":168,"attrs":767},{"color":170},{"type":97,"attrs":769,"content":770},{"textAlign":25,"key":414},[771,779,784,793],{"text":772,"type":103,"marks":773},"Définissez les devises à couvrir, les instruments autorisés (contrats à terme en priorité pour une PME), les seuils d'exposition déclenchant une couverture, et le traitement comptable applicable",[774,776,778],{"type":216,"attrs":775},{"href":513,"uuid":25,"anchor":25,"target":219,"linktype":82},{"type":168,"attrs":777},{"color":222},{"type":224},{"text":780,"type":103,"marks":781},". Nommez un responsable (DAF ou trésorier) en charge du suivi. L'ETI française Memscap ",[782],{"type":168,"attrs":783},{"color":170},{"text":785,"type":103,"marks":786},"illustre",[787,790,792],{"type":216,"attrs":788},{"href":789,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://entrepreneurs.lesechos.fr/gestion-entreprise/finance/la-gestion-du-cash-cest-notre-oxygene-lart-de-placer-sa-tresorerie-2201309",{"type":168,"attrs":791},{"color":222},{"type":224},{"text":794,"type":103,"marks":795}," que cette politique peut se piloter en interne en s'appuyant sur les analyses et outils de ses banques partenaires.",[796],{"type":168,"attrs":797},{"color":170},{"type":97,"attrs":799,"content":801},{"textAlign":25,"key":800},"p-13",[802,807,816],{"text":803,"type":103,"marks":804},"Un ",[805],{"type":168,"attrs":806},{"color":170},{"text":808,"type":103,"marks":809},"ratio de couverture de 70 à 85 %",[810,813,815],{"type":216,"attrs":811},{"href":812,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.afte.com/sites/default/files/2025-12/M%C3%A9moire%201er%20prix_Tr%C3%A9sorerie_BERROUIGUET_M%C3%A9taux%20strat%C3%A9giques%20et%20instabilit%C3%A9%20des%20march%C3%A9s.pdf",{"type":168,"attrs":814},{"color":222},{"type":224},{"text":817,"type":103,"marks":818}," (plutôt qu'une couverture intégrale) offre un meilleur équilibre entre protection et souplesse de trésorerie, selon les travaux académiques cités dans le mémoire d'Océane Berrouiguet (1er prix AFTE 2025).",[819],{"type":168,"attrs":820},{"color":170},{"type":172,"attrs":822,"content":823},{"level":472,"textAlign":25},[824],{"text":825,"type":103,"marks":826},"Phase 3 — Sélectionner les instruments et outils adaptés",[827],{"type":168,"attrs":828},{"color":170},{"type":97,"attrs":830,"content":832},{"textAlign":25,"key":831},"p-14",[833,838,847],{"text":834,"type":103,"marks":835},"Négociez avec deux ou trois banques vos instruments de couverture. Si vous exportez, pensez à l'",[836],{"type":168,"attrs":837},{"color":170},{"text":839,"type":103,"marks":840},"assurance change de Bpifrance",[841,844,846],{"type":216,"attrs":842},{"href":843,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.bpifrance.fr/nos-actualites/risque-de-change-plus-de-40-devises-couvertes-par-bpifrance",{"type":168,"attrs":845},{"color":222},{"type":224},{"text":848,"type":103,"marks":849},", qui couvre plus de 40 devises et dont plus des trois quarts du portefeuille est constitué de PME/ETI. Souscrivez le plus vite possible car le risque naît dès la fixation du prix.",[850],{"type":168,"attrs":851},{"color":170},{"type":97,"attrs":853,"content":855},{"textAlign":25,"key":854},"p-15",[856,861,870],{"text":857,"type":103,"marks":858},"Pour les dépenses courantes en devises (règlement de fournisseurs internationaux, remboursement de notes de frais), la ",[859],{"type":168,"attrs":860},{"color":170},{"text":862,"type":103,"marks":863},"solution de paiements internationaux de Spendesk",[864,867,869],{"type":216,"attrs":865},{"href":866,"uuid":25,"anchor":25,"target":751,"linktype":82},"https://www.spendesk.com/fr/platform/international-payments/",{"type":168,"attrs":868},{"color":222},{"type":224},{"text":871,"type":103,"marks":872},", construite sur l'infrastructure Wise, applique le taux de marché sur 30 devises, avec des frais affichés avant la validation de chaque paiement. Avec Spendesk, plus de 70 % des transferts arrivent en 20 secondes ou moins.",[873],{"type":168,"attrs":874},{"color":170},{"type":172,"attrs":876,"content":877},{"level":472,"textAlign":25},[878],{"text":879,"type":103,"marks":880},"Phase 4 — Piloter et ajuster en continu",[881],{"type":168,"attrs":882},{"color":170},{"type":97,"attrs":884,"content":886},{"textAlign":25,"key":885},"p-16",[887,892,901,906,914],{"text":888,"type":103,"marks":889},"Suivez vos positions de change par devise et par entité. Révisez votre politique en fonction des conditions de marché. Pour les ",[890],{"type":168,"attrs":891},{"color":170},{"text":893,"type":103,"marks":894},"équipes finance",[895,898,900],{"type":216,"attrs":896},{"href":897,"uuid":25,"anchor":25,"target":751,"linktype":82},"https://www.spendesk.com/fr/customers/",{"type":168,"attrs":899},{"color":222},{"type":224},{"text":902,"type":103,"marks":903}," qui souhaitent monter en compétences, le ",[904],{"type":168,"attrs":905},{"color":170},{"text":907,"type":103,"marks":908},"Certificat AFTE de gestion des risques de change et de taux",[909,911,913],{"type":216,"attrs":910},{"href":513,"uuid":25,"anchor":25,"target":219,"linktype":82},{"type":168,"attrs":912},{"color":222},{"type":224},{"text":915,"type":103,"marks":916}," constitue un repère reconnu en France.",[917],{"type":168,"attrs":918},{"color":170},{"type":172,"attrs":920,"content":921},{"level":174,"textAlign":25},[922],{"text":923,"type":103,"marks":924},"Quels facteurs macroéconomiques surveiller en 2026 ?",[925],{"type":168,"attrs":926},{"color":170},{"type":97,"attrs":928,"content":930},{"textAlign":25,"key":929},"p-17",[931,936,945],{"text":932,"type":103,"marks":933},"Selon les ",[934],{"type":168,"attrs":935},{"color":170},{"text":937,"type":103,"marks":938},"projections de la BCE de mars 2026",[939,942,944],{"type":216,"attrs":940},{"href":941,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.ecb.europa.eu/press/projections/html/ecb.projections202603_ecbstaff~ebe291cd3d.en.html",{"type":168,"attrs":943},{"color":222},{"type":224},{"text":946,"type":103,"marks":947},", le cours EUR/USD devrait évoluer entre 1,14 (25e percentile) et 1,19 (75e percentile).",[948],{"type":168,"attrs":949},{"color":170},{"type":97,"attrs":951,"content":953},{"textAlign":25,"key":952},"p-18",[954,960,965,971],{"text":955,"type":103,"marks":956},"La hausse des prix énergétiques",[957,959],{"type":168,"attrs":958},{"color":170},{"type":318},{"text":961,"type":103,"marks":962}," liée aux perturbations dans le détroit d'Ormuz exerce une pression baissière sur l'euro. Les projections du prix du pétrole pour 2026 ont été révisées de 30,1 % à la hausse entre décembre 2025 et mars 2026. Celles du gaz naturel ont augmenté de 56,6 %. ",[963],{"type":168,"attrs":964},{"color":170},{"text":966,"type":103,"marks":967},"Les tensions commerciales",[968,970],{"type":168,"attrs":969},{"color":170},{"type":318},{"text":972,"type":103,"marks":973}," pèsent également.",[974],{"type":168,"attrs":975},{"color":170},{"type":172,"attrs":977,"content":978},{"level":174,"textAlign":25},[979],{"text":980,"type":103,"marks":981},"Questions fréquentes",[982,984],{"type":168,"attrs":983},{"color":170},{"type":318},{"type":97,"attrs":986,"content":988},{"textAlign":25,"key":987},"p-19",[989,995],{"text":990,"type":103,"marks":991},"Faut-il facturer en euros pour éviter le risque de change ?",[992,994],{"type":168,"attrs":993},{"color":170},{"type":318},{"text":996,"type":103,"marks":997}," Facturer en euros transfère le risque sur votre partenaire étranger, ce qui simplifie votre gestion mais peut réduire votre compétitivité commerciale. C'est une stratégie de couverture naturelle viable lorsque votre pouvoir de négociation le permet, mais elle ne couvre pas les achats que vous effectuez en devises.",[998],{"type":168,"attrs":999},{"color":170},{"type":97,"attrs":1001,"content":1003},{"textAlign":25,"key":1002},"p-20",[1004,1010,1015,1024],{"text":1005,"type":103,"marks":1006},"Existe-t-il une assurance contre le risque de change pour les exportateurs ?",[1007,1009],{"type":168,"attrs":1008},{"color":170},{"type":318},{"text":1011,"type":103,"marks":1012}," Oui. Bpifrance propose une ",[1013],{"type":168,"attrs":1014},{"color":170},{"text":1016,"type":103,"marks":1017},"assurance change couvrant plus de 40 devises",[1018,1021,1023],{"type":216,"attrs":1019},{"href":1020,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.bpifrance.fr/download/media-file/69978",{"type":168,"attrs":1022},{"color":222},{"type":224},{"text":1025,"type":103,"marks":1026},", accessible dès le statut d’artisan. Le point essentiel est de souscrire avant la remise de votre offre commerciale, pas après la signature du contrat.",[1027],{"type":168,"attrs":1028},{"color":170},{"type":97,"attrs":1030,"content":1032},{"textAlign":25,"key":1031},"p-21",[1033,1039,1044,1053],{"text":1034,"type":103,"marks":1035},"Mon entreprise est-elle soumise aux obligations EMIR sur les dérivés de change ?",[1036,1038],{"type":168,"attrs":1037},{"color":170},{"type":318},{"text":1040,"type":103,"marks":1041}," Le ",[1042],{"type":168,"attrs":1043},{"color":170},{"text":1045,"type":103,"marks":1046},"seuil EMIR de compensation centrale pour les dérivés de change est fixé à 3 milliards d'euros en valeur notionnelle",[1047,1050,1052],{"type":216,"attrs":1048},{"href":1049,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.amf-france.org/fr/actualites-publications/actualites/emir-refit-les-regles-relatives-lobligation-de-compensation-centrale-evoluent",{"type":168,"attrs":1051},{"color":222},{"type":224},{"text":1054,"type":103,"marks":1055},", et les dérivés conclus à des fins de couverture ne sont pas comptabilisés dans ce calcul. 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Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":2728},{"type":2728},{"text":2761,"type":103},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2763,"title":2764,"component":2704,"description":2765},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":94,"content":2766},[2767,2771,2775,2784,2788,2792,2801,2805,2809,2813,2817],{"type":97,"content":2768},[2769],{"text":2770,"type":103},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":97,"content":2772},[2773],{"text":2774,"type":103},"Il s'agit notamment de cartes de débit pour remplacer les cartes bancaires traditionnelles, de cartes virtuelles pour les achats en ligne et de notes de frais automatisées pour les achats imprévus.",{"type":97,"content":2776},[2777,2781,2782],{"text":2778,"type":103,"marks":2779},"Pour les employés",[2780],{"type":318},{"type":2728},{"text":2783,"type":103},"Les employés n'ont plus besoin d'avancer de l'argent. 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Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":97,"content":2802},[2803],{"text":2804,"type":103},"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":97,"content":2806},[2807],{"text":2808,"type":103},"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":97,"content":2810},[2811],{"text":2812,"type":103},"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":97,"content":2814},[2815],{"text":2816,"type":103},"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":97,"content":2818},[2819],{"text":2820,"type":103},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[2822],{"cta":2823,"_uid":2824,"title":2825,"eyebrow":2832,"subtitle":2835,"component":172,"textAlign":73,"sectionSettings":2841,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":73},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":94,"content":2826},[2827],{"type":172,"attrs":2828,"content":2829},{"level":174},[2830],{"text":2831,"type":103},"Démarrer avec Spendesk",{"type":94,"content":2833},[2834],{"type":97},{"type":94,"content":2836},[2837],{"type":97,"content":2838},[2839],{"text":2840,"type":103},"Fermez les comptes 4 fois plus rapidement, collectez plus de 95 % des reçus à temps et obtenez une visibilité de 100 % sur les dépenses de l'entreprise.",[],"faqSection",[],"Table des matières",[2846,3043,3229,3404,3573,3761,3926,4159,4320,4502,4687,4850,5059,5125,5186],{"name":2847,"created_at":2848,"published_at":2849,"updated_at":2850,"id":2851,"uuid":2852,"content":2853,"slug":3031,"full_slug":3032,"sort_by_date":25,"position":3033,"tag_list":3034,"is_startpage":28,"parent_id":1193,"meta_data":25,"group_id":3035,"first_published_at":3036,"release_id":25,"lang":32,"path":25,"alternates":3037,"default_full_slug":3038,"translated_slugs":3039},"Facture d’acompte fournisseur, comment la calculer et la rapprocher avec la facture de solde ?","2026-09-05T08:03:17.455Z","2026-09-05T08:22:42.211Z","2026-09-05T08:22:42.231Z",216702146407532,"9fe9be4e-e867-4d39-b06e-fcfd8adccf58",{"_uid":2854,"title":2847,"topics":2855,"noIndex":28,"category":2884,"language":2893,"component":1162,"heroMedia":2894,"publishedAt":2901,"redirectUrl":73,"listingImage":2902,"metaDescription":2903,"bottomArticleCta":2904,"componentsAfterTheArticle":2905},"1552fe69-983e-4e62-ac1d-c83c315c7849",[2856,2864],{"name":119,"created_at":120,"published_at":16,"updated_at":121,"id":122,"uuid":123,"content":2857,"slug":126,"full_slug":127,"sort_by_date":25,"position":128,"tag_list":2858,"is_startpage":28,"parent_id":130,"meta_data":25,"group_id":131,"first_published_at":132,"release_id":25,"lang":32,"path":25,"alternates":2859,"default_full_slug":134,"translated_slugs":2860,"_stopResolving":41},{"_uid":125,"name":119,"component":22},[],[],[2861,2862,2863],{"path":134,"name":25,"lang":32,"published":25},{"path":134,"name":25,"lang":38,"published":25},{"path":134,"name":25,"lang":40,"published":25},{"name":2865,"created_at":2866,"published_at":16,"updated_at":2867,"id":2868,"uuid":2869,"content":2870,"slug":2872,"full_slug":2873,"sort_by_date":25,"position":2874,"tag_list":2875,"is_startpage":28,"parent_id":130,"meta_data":25,"group_id":2876,"first_published_at":2877,"release_id":25,"lang":32,"path":25,"alternates":2878,"default_full_slug":2879,"translated_slugs":2880,"_stopResolving":41},"Factures fournisseurs","2022-10-19T17:58:01.385Z","2026-03-12T10:47:24.200Z",206171450,"94774a96-2374-4adf-91ae-2a21cf281282",{"_uid":2871,"name":2865,"component":22},"63535519-d3ae-42ed-a496-fd0c222e4057","factures-fournisseurs","fr/blog/topic/factures-fournisseurs",-540,[],"f7010886-52de-401f-8beb-e195074d444f","2022-11-02T15:24:39.398Z",[],"blog/topic/factures-fournisseurs",[2881,2882,2883],{"path":2879,"name":25,"lang":32,"published":25},{"path":2879,"name":25,"lang":38,"published":25},{"path":2879,"name":25,"lang":40,"published":25},{"name":1150,"created_at":1151,"published_at":16,"updated_at":1152,"id":1153,"uuid":1154,"content":2885,"slug":1162,"full_slug":1163,"sort_by_date":25,"position":52,"tag_list":2887,"is_startpage":28,"parent_id":1165,"meta_data":25,"group_id":1166,"first_published_at":1167,"release_id":25,"lang":32,"path":25,"alternates":2888,"default_full_slug":1169,"translated_slugs":2889,"_stopResolving":41},{"_uid":1156,"icon":2886,"name":1150,"component":1161},{"id":1158,"alt":1159,"name":73,"focus":73,"title":73,"filename":1160,"copyright":73,"fieldtype":78,"is_external_url":28},[],[],[2890,2891,2892],{"path":1169,"name":25,"lang":32,"published":25},{"path":1169,"name":25,"lang":38,"published":25},{"path":1169,"name":25,"lang":40,"published":25},[32],[2895],{"_uid":2896,"asset":2897,"caption":73,"component":193},"104606e3-1928-4dc9-836b-eece079259c1",{"id":2898,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":2899,"copyright":73,"fieldtype":78,"meta_data":2900,"is_external_url":28},168584629424610,"https://a.storyblok.com/f/146026/1376x768/e74bf81acf/batch-payments-uk.png",{},"2026-09-05 00:00",[],"Facture d’acompte fournisseur, découvrez son calcul, les règles de TVA et les contrôles à effectuer avant le rapprochement avec la facture de solde.\n",[],[2906],{"cta":2907,"_uid":2908,"items":2909,"heading":3004,"reverse":28,"component":2842,"sectionSettings":3030},[],"14e773e4-85a2-422c-acbc-8f11dcdf65a2",[2910,2931,2958,2982],{"_uid":2911,"hide":28,"title":2912,"component":2704,"description":2913},"1685b4c9-e3d0-4743-9cec-6f2a0263ae82","La facture d’acompte est-elle obligatoire ?",{"type":94,"attrs":2914,"content":2915},{"backgroundColor":25},[2916,2921],{"type":97,"attrs":2917,"content":2918},{"textAlign":25},[2919],{"text":2920,"type":103},"Oui. Le fournisseur doit émettre une facture lorsqu’il encaisse un acompte, conformément à l’article 289 du Code général des impôts.",{"type":97,"attrs":2922,"content":2923},{"textAlign":25},[2924,2926,2930],{"text":2925,"type":103},"La facture doit comporter les mentions obligatoires, préciser qu’il s’agit d’un acompte et disposer ",{"text":2927,"type":103,"marks":2928},"d’un numéro appartenant à la série continue de facturation",[2929],{"type":318},{"text":518,"type":103},{"_uid":2932,"hide":28,"title":2933,"component":2704,"description":2934},"e5c6a6d0-b87e-4842-a0ff-ae7513621fb9","La TVA est-elle due dès l’encaissement de l’acompte ?",{"type":94,"attrs":2935,"content":2936},{"backgroundColor":25},[2937,2942,2947],{"type":97,"attrs":2938,"content":2939},{"textAlign":25},[2940],{"text":2941,"type":103},"Oui, selon la nature de l’opération.",{"type":97,"attrs":2943,"content":2944},{"textAlign":25},[2945],{"text":2946,"type":103},"Pour les livraisons de biens, la TVA est exigible dès l’encaissement de l’acompte depuis le 1er janvier 2023. Pour les prestations de services, elle est en principe exigible dès l’encaissement.",{"type":97,"attrs":2948,"content":2949},{"textAlign":25},[2950,2952,2956],{"text":2951,"type":103},"La TVA facturée sur l’acompte doit être déduite ",{"text":2953,"type":103,"marks":2954},"une seule fois",[2955],{"type":318},{"text":2957,"type":103},", puis soustraite du montant restant à récupérer sur la facture de solde.",{"_uid":2959,"hide":28,"title":2960,"component":2704,"description":2961},"ec8e23bc-5d17-4821-a1a0-77c2be8d9ccc","Un acompte est-il remboursable ?",{"type":94,"attrs":2962,"content":2963},{"backgroundColor":25},[2964,2969],{"type":97,"attrs":2965,"content":2966},{"textAlign":25},[2967],{"text":2968,"type":103},"En principe, l’acompte engage fermement les deux parties et n’est pas remboursable du seul fait d’un désistement.",{"type":97,"attrs":2970,"content":2971},{"textAlign":25},[2972,2974,2981],{"text":2973,"type":103},"Le remboursement peut toutefois intervenir lorsque le fournisseur n’exécute pas la prestation, lorsque le contrat le prévoit ou lorsque les parties conviennent d’annuler l’opération. Les arrhes obéissent à un régime différent, prévu par ",{"text":2975,"type":103,"marks":2976},"l’article 1590 du Code civil",[2977,2980],{"type":216,"attrs":2978},{"href":2979,"uuid":25,"anchor":25,"target":219,"linktype":82},"https://www.service-public.gouv.fr/particuliers/vosdroits/F31187",{"type":318},{"text":518,"type":103},{"_uid":2983,"hide":28,"title":2984,"component":2704,"description":2985},"7247af96-de8d-41d1-8544-0e3e3671eaad","Quelle différence entre une facture d’acompte et une facture de situation ?",{"type":94,"attrs":2986,"content":2987},{"backgroundColor":25},[2988,2993],{"type":97,"attrs":2989,"content":2990},{"textAlign":25},[2991],{"text":2992,"type":103},"La facture d’acompte correspond à un paiement anticipé prévu avant la livraison ou le début de la prestation.",{"type":97,"attrs":2994,"content":2995},{"textAlign":25},[2996,2998,3002],{"text":2997,"type":103},"La facture de situation correspond à ",{"text":2999,"type":103,"marks":3000},"l’avancement réel d’une prestation ou de travaux",[3001],{"type":318},{"text":3003,"type":103},". Elle est fréquente dans le BTP et se calcule selon les travaux effectivement réalisés.",[3005],{"cta":3006,"_uid":3007,"title":3008,"eyebrow":3018,"subtitle":3025,"component":172,"textAlign":73,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3028,"sectionSettings":3029,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":73},[],"5a398c79-9777-49d5-be6c-5e7af530bb9f",{"type":94,"attrs":3009,"content":3010},{"backgroundColor":25},[3011],{"type":172,"attrs":3012,"content":3013},{"level":174,"textAlign":25},[3014],{"text":3015,"type":103,"marks":3016},"Questions fréquentes sur les factures d’acompte fournisseurs",[3017],{"type":318},{"type":94,"attrs":3019,"content":3020},{"backgroundColor":25},[3021],{"type":97,"attrs":3022,"content":3023},{"textAlign":25},[3024],{"text":1498,"type":103},{"type":94,"content":3026},[3027],{"type":97},[],[],[],"facture-d-acompte-fournisseur","fr/blog/facture-d-acompte-fournisseur",-3220,[],"a37f7fc8-767b-490d-ad60-6f79e65b3bb6","2026-09-05T08:15:48.167Z",[],"blog/facture-d-acompte-fournisseur",[3040,3041,3042],{"path":3038,"name":25,"lang":32,"published":25},{"path":3038,"name":25,"lang":38,"published":25},{"path":3038,"name":25,"lang":40,"published":25},{"name":3044,"created_at":3045,"published_at":3046,"updated_at":3047,"id":3048,"uuid":3049,"content":3050,"slug":3217,"full_slug":3218,"sort_by_date":25,"position":3219,"tag_list":3220,"is_startpage":28,"parent_id":1193,"meta_data":25,"group_id":3221,"first_published_at":3222,"release_id":25,"lang":32,"path":25,"alternates":3223,"default_full_slug":3224,"translated_slugs":3225},"Dépenses hors politique, comment gérer les exceptions sans perdre le contrôle ?","2026-09-05T07:23:22.669Z","2026-09-05T08:23:25.629Z","2026-09-05T08:23:25.661Z",216692337367747,"4055d382-154f-4d22-b9df-dff57afe525a",{"_uid":3051,"title":3044,"topics":3052,"noIndex":28,"category":3081,"language":3090,"component":1162,"heroMedia":3091,"publishedAt":2901,"redirectUrl":73,"listingImage":3098,"metaDescription":3099,"bottomArticleCta":3100,"componentsAfterTheArticle":3101},"7a37bed5-e765-4151-9aca-9b7d93e231f5",[3053,3061],{"name":119,"created_at":120,"published_at":16,"updated_at":121,"id":122,"uuid":123,"content":3054,"slug":126,"full_slug":127,"sort_by_date":25,"position":128,"tag_list":3055,"is_startpage":28,"parent_id":130,"meta_data":25,"group_id":131,"first_published_at":132,"release_id":25,"lang":32,"path":25,"alternates":3056,"default_full_slug":134,"translated_slugs":3057,"_stopResolving":41},{"_uid":125,"name":119,"component":22},[],[],[3058,3059,3060],{"path":134,"name":25,"lang":32,"published":25},{"path":134,"name":25,"lang":38,"published":25},{"path":134,"name":25,"lang":40,"published":25},{"name":3062,"created_at":3063,"published_at":16,"updated_at":3064,"id":3065,"uuid":3066,"content":3067,"slug":3069,"full_slug":3070,"sort_by_date":25,"position":3071,"tag_list":3072,"is_startpage":28,"parent_id":130,"meta_data":25,"group_id":3073,"first_published_at":3074,"release_id":25,"lang":32,"path":25,"alternates":3075,"default_full_slug":3076,"translated_slugs":3077,"_stopResolving":41},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-03-12T10:47:22.758Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"_uid":3068,"name":3062,"component":22},"5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",-60,[],"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[3078,3079,3080],{"path":3076,"name":25,"lang":32,"published":25},{"path":3076,"name":25,"lang":38,"published":25},{"path":3076,"name":25,"lang":40,"published":25},{"name":1150,"created_at":1151,"published_at":16,"updated_at":1152,"id":1153,"uuid":1154,"content":3082,"slug":1162,"full_slug":1163,"sort_by_date":25,"position":52,"tag_list":3084,"is_startpage":28,"parent_id":1165,"meta_data":25,"group_id":1166,"first_published_at":1167,"release_id":25,"lang":32,"path":25,"alternates":3085,"default_full_slug":1169,"translated_slugs":3086,"_stopResolving":41},{"_uid":1156,"icon":3083,"name":1150,"component":1161},{"id":1158,"alt":1159,"name":73,"focus":73,"title":73,"filename":1160,"copyright":73,"fieldtype":78,"is_external_url":28},[],[],[3087,3088,3089],{"path":1169,"name":25,"lang":32,"published":25},{"path":1169,"name":25,"lang":38,"published":25},{"path":1169,"name":25,"lang":40,"published":25},[32],[3092],{"_uid":3093,"asset":3094,"caption":73,"component":193},"ddfd8a30-60ae-4780-b731-76e057bb2a18",{"id":3095,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":3096,"copyright":73,"fieldtype":78,"meta_data":3097,"is_external_url":28},168579769286404,"https://a.storyblok.com/f/146026/1376x768/344bc06cba/expense-categorisation.png",{},[],"Dépenses hors politique, apprenez à qualifier les exceptions, les faire valider et ajuster votre politique sans perdre le contrôle.",[],[3102],{"cta":3103,"_uid":3104,"items":3105,"heading":3190,"reverse":28,"component":2842,"sectionSettings":3216},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[3106,3126,3147,3168],{"_uid":3107,"hide":28,"title":3108,"component":2704,"description":3109},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":94,"attrs":3110,"content":3111},{"backgroundColor":25},[3112,3117],{"type":97,"attrs":3113,"content":3114},{"textAlign":25},[3115],{"text":3116,"type":103},"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":97,"attrs":3118,"content":3119},{"textAlign":25},[3120,3122],{"text":3121,"type":103},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":3123,"type":103,"marks":3124},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[3125],{"type":318},{"_uid":3127,"hide":28,"title":3128,"component":2704,"description":3129},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":94,"attrs":3130,"content":3131},{"backgroundColor":25},[3132,3137],{"type":97,"attrs":3133,"content":3134},{"textAlign":25},[3135],{"text":3136,"type":103},"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":97,"attrs":3138,"content":3139},{"textAlign":25},[3140,3142,3146],{"text":3141,"type":103},"La décision doit être conservée avec ",{"text":3143,"type":103,"marks":3144},"le motif et l’identité de l’approbateur",[3145],{"type":318},{"text":518,"type":103},{"_uid":3148,"hide":28,"title":3149,"component":2704,"description":3150},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":94,"attrs":3151,"content":3152},{"backgroundColor":25},[3153,3158],{"type":97,"attrs":3154,"content":3155},{"textAlign":25},[3156],{"text":3157,"type":103},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":97,"attrs":3159,"content":3160},{"textAlign":25},[3161,3163,3167],{"text":3162,"type":103},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":3164,"type":103,"marks":3165},"10 ans à compter de la clôture de l’exercice",[3166],{"type":318},{"text":518,"type":103},{"_uid":3169,"hide":28,"title":3170,"component":2704,"description":3171},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":94,"attrs":3172,"content":3173},{"backgroundColor":25},[3174,3179],{"type":97,"attrs":3175,"content":3176},{"textAlign":25},[3177],{"text":3178,"type":103},"Définissez les approbateurs par entité, département et niveau de dépense. Prévoyez également une délégation en cas d’absence et une escalade automatique après un délai déterminé.",{"type":97,"attrs":3180,"content":3181},{"textAlign":25},[3182,3184,3188],{"text":3183,"type":103},"Cette organisation permet à chaque équipe de conserver ",{"text":3185,"type":103,"marks":3186},"un cadre adapté à son activité",[3187],{"type":318},{"text":3189,"type":103},", tout en appliquant des règles cohérentes dans l’ensemble de l’entreprise.",[3191],{"cta":3192,"_uid":3193,"title":3194,"eyebrow":3204,"subtitle":3211,"component":172,"textAlign":73,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3214,"sectionSettings":3215,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":73},[],"c107e149-d5dd-4842-9420-50aeadfd20fc",{"type":94,"attrs":3195,"content":3196},{"backgroundColor":25},[3197],{"type":172,"attrs":3198,"content":3199},{"level":174,"textAlign":25},[3200],{"text":3201,"type":103,"marks":3202},"Questions fréquentes sur les 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fournisseurs en anomalie, identifiez les écarts, automatisez les contrôles et traitez les litiges sans retarder vos paiements.",[],[3276],{"cta":3277,"_uid":3278,"items":3279,"heading":3365,"reverse":28,"component":2842,"sectionSettings":3391},[],"302c4b49-3811-4692-8939-e38c44435b6a",[3280,3302,3322,3344],{"_uid":3281,"hide":28,"title":3282,"component":2704,"description":3283},"586feb90-1418-41b9-aa88-8bc7a065973d","Comment traiter une facture fournisseur en anomalie ?",{"type":94,"attrs":3284,"content":3285},{"backgroundColor":25},[3286,3297],{"type":97,"attrs":3287,"content":3288},{"textAlign":25},[3289,3291,3295],{"text":3290,"type":103},"Commencez par identifier la nature de l’écart, puis vérifiez la commande, la livraison, le contrat et les informations du fournisseur. ",{"text":3292,"type":103,"marks":3293},"Attribuez ensuite le dossier à la bonne personne",[3294],{"type":318},{"text":3296,"type":103},", avec une action et une échéance précises.",{"type":97,"attrs":3298,"content":3299},{"textAlign":25},[3300],{"text":3301,"type":103},"Une donnée manquante peut être complétée, un écart de prix doit être vérifié avec les achats et une modification d’IBAN doit être confirmée par un canal indépendant.",{"_uid":3303,"hide":28,"title":3304,"component":2704,"description":3305},"23cc5f21-cf34-42f3-a1f5-beab78d05f2c","Faut-il bloquer le paiement en cas d’écart entre la commande et la facture ?",{"type":94,"attrs":3306,"content":3307},{"backgroundColor":25},[3308,3313],{"type":97,"attrs":3309,"content":3310},{"textAlign":25},[3311],{"text":3312,"type":103},"Non, pas automatiquement. Si une partie du montant est certaine et non contestée, elle peut être réglée à l’échéance, après validation du paiement partiel et accord avec le fournisseur.",{"type":97,"attrs":3314,"content":3315},{"textAlign":25},[3316,3318],{"text":3317,"type":103},"La ligne litigieuse est ensuite traitée séparément, avec un avoir ou une facture rectificative si nécessaire. ",{"text":3319,"type":103,"marks":3320},"Le paiement doit rester intégralement documenté.",[3321],{"type":318},{"_uid":3323,"hide":28,"title":3324,"component":2704,"description":3325},"a2a1cc11-f0d6-4699-8b8b-d7308207a8bb","Comment automatiser le traitement des factures fournisseurs ?",{"type":94,"attrs":3326,"content":3327},{"backgroundColor":25},[3328,3333],{"type":97,"attrs":3329,"content":3330},{"textAlign":25},[3331],{"text":3332,"type":103},"L’automatisation repose sur l’extraction des données, le rapprochement à trois voies, les workflows d’approbation et le paiement intégré.",{"type":97,"attrs":3334,"content":3335},{"textAlign":25},[3336,3338,3342],{"text":3337,"type":103},"L’outil doit également permettre de gérer les exceptions avec ",{"text":3339,"type":103,"marks":3340},"un statut, un responsable et une échéance",[3341],{"type":318},{"text":3343,"type":103},", afin que seules les factures en écart nécessitent une intervention 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00:00",[],"Durée de conservation des documents d’entreprise, découvrez les délais par type, les règles de 2026 et les sanctions en cas de destruction anticipée.",[],[3445],{"cta":3446,"_uid":3447,"items":3448,"heading":3535,"reverse":28,"component":2842,"sectionSettings":3561},[],"0fea1def-2ce1-413f-8891-bfa4124b132b",[3449,3470,3492,3513],{"_uid":3450,"hide":28,"title":3451,"component":2704,"description":3452},"794e9889-487e-4056-9e3a-89f78363b1ab","Quelle est la durée de conservation des documents comptables d’une entreprise ?",{"type":94,"attrs":3453,"content":3454},{"backgroundColor":25},[3455,3465],{"type":97,"attrs":3456,"content":3457},{"textAlign":25},[3458,3460,3463],{"text":3459,"type":103},"Les documents comptables doivent généralement être conservés pendant ",{"text":3164,"type":103,"marks":3461},[3462],{"type":318},{"text":3464,"type":103},", conformément à l’article L123-22 du Code de commerce.",{"type":97,"attrs":3466,"content":3467},{"textAlign":25},[3468],{"text":3469,"type":103},"Cela concerne notamment les livres comptables, les comptes annuels, les factures et les pièces justificatives utilisées pour enregistrer les opérations.",{"_uid":3471,"hide":28,"title":3472,"component":2704,"description":3473},"5f9b8e2d-6260-45a1-9217-5a5122d2fee4","La réforme de 2026 s’applique-t-elle aux documents déjà archivés ?",{"type":94,"attrs":3474,"content":3475},{"backgroundColor":25},[3476,3481],{"type":97,"attrs":3477,"content":3478},{"textAlign":25},[3479],{"text":3480,"type":103},"Oui, lorsque les documents concernés entrent dans le champ du nouveau régime.",{"type":97,"attrs":3482,"content":3483},{"textAlign":25},[3484,3486,3490],{"text":3485,"type":103},"L’allongement à 10 ans concerne les documents dont l’ancien délai de conservation expire après le 1er janvier 2027. Les entreprises doivent donc ",{"text":3487,"type":103,"marks":3488},"revoir leur calendrier de destruction",[3489],{"type":318},{"text":3491,"type":103}," pour les archives fiscales déjà constituées.",{"_uid":3493,"hide":28,"title":3494,"component":2704,"description":3495},"50716ec3-c6ea-4122-9d26-9e070d157bf4","Peut-on détruire les documents papier après les avoir numérisés ?",{"type":94,"attrs":3496,"content":3497},{"backgroundColor":25},[3498,3503],{"type":97,"attrs":3499,"content":3500},{"textAlign":25},[3501],{"text":3502,"type":103},"Oui, uniquement si la copie numérique est fiable et si la procédure de numérisation respecte les exigences légales.",{"type":97,"attrs":3504,"content":3505},{"textAlign":25},[3506,3508,3512],{"text":3507,"type":103},"Un scan ou une photographie isolée ne suffit pas nécessairement. La copie doit être fidèle, intègre et conservée dans un système qui garantit ",{"text":3509,"type":103,"marks":3510},"son authenticité et sa stabilité dans le temps",[3511],{"type":318},{"text":518,"type":103},{"_uid":3514,"hide":28,"title":3515,"component":2704,"description":3516},"f8581ebf-6928-4ef9-9c43-c782a781cb5b","Quelle administration peut réclamer les documents d’une entreprise ?",{"type":94,"attrs":3517,"content":3518},{"backgroundColor":25},[3519,3524],{"type":97,"attrs":3520,"content":3521},{"textAlign":25},[3522],{"text":3523,"type":103},"La DGFiP peut demander les documents comptables et fiscaux nécessaires à un contrôle fiscal. L’URSSAF peut demander les pièces utiles au contrôle des cotisations sociales.",{"type":97,"attrs":3525,"content":3526},{"textAlign":25},[3527,3529,3533],{"text":3528,"type":103},"Le délai applicable dépend de la nature du document. 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Les entreprises qui ne dépassent pas ces deux seuils sortent généralement du périmètre obligatoire, sous réserve des situations particulières liées au groupe.",{"_uid":4592,"hide":28,"title":4593,"component":2704,"description":4594},"bfbaba5b-ac8e-401b-946f-85e887a81303","Quand les entreprises nouvellement concernées publieront-elles leur premier rapport ?",{"type":94,"attrs":4595,"content":4596},{"backgroundColor":25},[4597],{"type":97,"attrs":4598,"content":4599},{"textAlign":25},[4600,4602,4606],{"text":4601,"type":103},"Les entreprises nouvellement concernées par les seuils révisés publieront leur premier rapport en ",{"text":4603,"type":103,"marks":4604},"2028 sur l’exercice 2027",[4605],{"type":318},{"text":4607,"type":103},". 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Les demandes doivent s’appuyer sur le contenu du standard volontaire applicable.",{"_uid":4620,"hide":28,"title":4621,"component":2704,"description":4622},"2968fde6-2210-4088-aff7-ed1275aa59fa","À quoi sert le VSME pour une entreprise sortie du périmètre CSRD ?",{"type":94,"attrs":4623,"content":4624},{"backgroundColor":25},[4625],{"type":97,"attrs":4626,"content":4627},{"textAlign":25},[4628,4630,4634],{"text":4629,"type":103},"Le VSME permet à une PME de structurer ",{"text":4631,"type":103,"marks":4632},"un socle volontaire et proportionné de données de durabilité",[4633],{"type":318},{"text":4635,"type":103},". Il peut servir à répondre de manière cohérente aux demandes des clients, des banques et des investisseurs sans produire un reporting ESRS complet.",{"_uid":4637,"hide":28,"title":4638,"component":2704,"description":4639},"e41936c7-2806-4062-a9ad-1db84714b967","Comment préparer la suite après l’Omnibus ?",{"type":94,"attrs":4640,"content":4641},{"backgroundColor":25},[4642],{"type":97,"attrs":4643,"content":4644},{"textAlign":25},[4645,4647],{"text":4646,"type":103},"L’Omnibus réduit le périmètre obligatoire de la CSRD, mais il ne supprime pas les demandes de données ESG dans les relations commerciales. ",{"text":4648,"type":103,"marks":4649},"La priorité consiste donc à clarifier votre statut, puis à fiabiliser les informations que vos clients peuvent vous demander.",[4650],{"type":318},[4652],{"cta":4653,"_uid":4654,"title":4655,"eyebrow":4663,"subtitle":4670,"component":172,"textAlign":73,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":4673,"sectionSettings":4674,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":73},[],"cbaf1c9f-32d2-4f32-9c41-f2aeab756a1a",{"type":94,"attrs":4656,"content":4657},{"backgroundColor":25},[4658],{"type":172,"attrs":4659,"content":4660},{"level":174,"textAlign":25},[4661],{"text":4662,"type":103},"Questions fréquentes sur l'Omnibus et la CSRD",{"type":94,"attrs":4664,"content":4665},{"backgroundColor":25},[4666],{"type":97,"attrs":4667,"content":4668},{"textAlign":25},[4669],{"text":1498,"type":103},{"type":94,"content":4671},[4672],{"type":97},[],[],[],"omnibus-csrd","fr/blog/omnibus-csrd",-2510,[],"1521f5a7-3bc3-4ac6-8f3e-3b1096afb3ba",[],"blog/omnibus-csrd",[4684,4685,4686],{"path":4682,"name":25,"lang":32,"published":25},{"path":4682,"name":25,"lang":38,"published":25},{"path":4682,"name":25,"lang":40,"published":25},{"name":4688,"created_at":4689,"published_at":4690,"updated_at":4691,"id":4692,"uuid":4693,"content":4694,"slug":4839,"full_slug":4840,"sort_by_date":25,"position":4841,"tag_list":4842,"is_startpage":28,"parent_id":1193,"meta_data":25,"group_id":4843,"first_published_at":4690,"release_id":25,"lang":32,"path":25,"alternates":4844,"default_full_slug":4845,"translated_slugs":4846},"Prime de partage de la valeur en 2026 : obligations, options et budget pour le DAF","2026-08-14T12:31:34.489Z","2026-08-14T13:16:37.062Z","2026-08-14T13:16:37.096Z",208982403064812,"cda6c1a0-234e-4589-92f5-228566c4b76e",{"_uid":4695,"title":4688,"topics":4696,"noIndex":28,"category":4705,"language":4714,"component":1162,"heroMedia":4715,"publishedAt":4565,"redirectUrl":73,"listingImage":4722,"metaDescription":4723,"bottomArticleCta":4724,"componentsAfterTheArticle":4725},"343b3128-983a-45ff-a746-24a1aa918690",[4697],{"name":119,"created_at":120,"published_at":16,"updated_at":121,"id":122,"uuid":123,"content":4698,"slug":126,"full_slug":127,"sort_by_date":25,"position":128,"tag_list":4699,"is_startpage":28,"parent_id":130,"meta_data":25,"group_id":131,"first_published_at":132,"release_id":25,"lang":32,"path":25,"alternates":4700,"default_full_slug":134,"translated_slugs":4701,"_stopResolving":41},{"_uid":125,"name":119,"component":22},[],[],[4702,4703,4704],{"path":134,"name":25,"lang":32,"published":25},{"path":134,"name":25,"lang":38,"published":25},{"path":134,"name":25,"lang":40,"published":25},{"name":1150,"created_at":1151,"published_at":16,"updated_at":1152,"id":1153,"uuid":1154,"content":4706,"slug":1162,"full_slug":1163,"sort_by_date":25,"position":52,"tag_list":4708,"is_startpage":28,"parent_id":1165,"meta_data":25,"group_id":1166,"first_published_at":1167,"release_id":25,"lang":32,"path":25,"alternates":4709,"default_full_slug":1169,"translated_slugs":4710,"_stopResolving":41},{"_uid":1156,"icon":4707,"name":1150,"component":1161},{"id":1158,"alt":1159,"name":73,"focus":73,"title":73,"filename":1160,"copyright":73,"fieldtype":78,"is_external_url":28},[],[],[4711,4712,4713],{"path":1169,"name":25,"lang":32,"published":25},{"path":1169,"name":25,"lang":38,"published":25},{"path":1169,"name":25,"lang":40,"published":25},[32],[4716],{"_uid":4717,"asset":4718,"caption":73,"component":193},"2ebe63d4-f1f6-4462-97d2-90386ee2fee1",{"id":4719,"alt":73,"name":73,"focus":73,"title":73,"source":73,"filename":4720,"copyright":73,"fieldtype":78,"meta_data":4721,"is_external_url":28},189927423877183,"https://a.storyblok.com/f/146026/1376x768/90b9e67f35/1778521717468-v1ey7.png",{},[],"Partage de la valeur 2026 : obligations des entreprises, choix entre PPV, intéressement et participation, calendrier et budget à prévoir pour le DAF.",[],[4726],{"cta":4727,"_uid":4728,"items":4729,"heading":4814,"reverse":28,"component":2842,"sectionSettings":4838},[],"eb685b66-d405-4a61-974b-de4f3560b4f0",[4730,4741,4758,4775,4792],{"_uid":4731,"hide":28,"title":4732,"component":2704,"description":4733},"f1780251-ae4a-425d-a4f8-1d7bea3a582b","Quelles entreprises sont concernées par l’obligation de partage de la valeur ?",{"type":94,"attrs":4734,"content":4735},{"backgroundColor":25},[4736],{"type":97,"attrs":4737,"content":4738},{"textAlign":25},[4739],{"text":4740,"type":103},"L’obligation concerne les entreprises d’au moins 11 salariés qui ont réalisé un bénéfice net fiscal d’au moins 1 % du chiffre d’affaires pendant trois exercices consécutifs et qui ne sont pas déjà soumises à la participation obligatoire. Le dispositif s’applique aux exercices ouverts après le 31 décembre 2024.",{"_uid":4742,"hide":28,"title":4743,"component":2704,"description":4744},"d4b1057c-3f46-4394-964b-621215b4892e","La prime de partage de la valeur est-elle obligatoire ?",{"type":94,"attrs":4745,"content":4746},{"backgroundColor":25},[4747],{"type":97,"attrs":4748,"content":4749},{"textAlign":25},[4750,4752,4756],{"text":4751,"type":103},"Non. La PPV est l’une des options disponibles. L’entreprise peut également choisir ",{"text":4753,"type":103,"marks":4754},"la participation, l’intéressement ou l’abondement d’un plan d’épargne",[4755],{"type":318},{"text":4757,"type":103},", selon les conditions prévues par la loi.",{"_uid":4759,"hide":28,"title":4760,"component":2704,"description":4761},"9b94a6ea-54bc-4b1b-aaa2-32a66217600c","Quel est le plafond d’exonération de la PPV ?",{"type":94,"attrs":4762,"content":4763},{"backgroundColor":25},[4764],{"type":97,"attrs":4765,"content":4766},{"textAlign":25},[4767,4769,4773],{"text":4768,"type":103},"La PPV est exonérée dans la limite de ",{"text":4770,"type":103,"marks":4771},"3 000 € par bénéficiaire et par année civile",[4772],{"type":318},{"text":4774,"type":103},". Ce plafond peut atteindre 6 000 € lorsque l’entreprise dispose aussi d’un dispositif d’intéressement ou de participation. Un régime temporaire plus favorable s’applique jusqu’au 31 décembre 2026 dans certaines entreprises de moins de 50 salariés.",{"_uid":4776,"hide":28,"title":4777,"component":2704,"description":4778},"23d98ee2-c951-4b69-a9b1-1f635e4cca73","Quand verser l’intéressement ou la participation pour un exercice clos le 31 décembre ?",{"type":94,"attrs":4779,"content":4780},{"backgroundColor":25},[4781],{"type":97,"attrs":4782,"content":4783},{"textAlign":25},[4784,4786,4790],{"text":4785,"type":103},"Pour un exercice clos le 31 décembre, l’intéressement et la participation doivent généralement être versés au plus tard ",{"text":4787,"type":103,"marks":4788},"le 31 mai",[4789],{"type":318},{"text":4791,"type":103},", selon les règles propres à chaque dispositif. La PPV bénéficie d’un calendrier plus souple, avec un versement possible au cours de l’année civile dans la limite d’un versement par trimestre.",{"_uid":4793,"hide":28,"title":4794,"component":2704,"description":4795},"9d07f9a2-fb6f-4922-b1c9-fa2357dc4fc9","Comment garder le contrôle des dépenses engagées ?",{"type":94,"attrs":4796,"content":4797},{"backgroundColor":25},[4798,4809],{"type":97,"attrs":4799,"content":4800},{"textAlign":25},[4801,4803,4807],{"text":4802,"type":103},"Le montant de la prime n’est pas le seul sujet à anticiper. ",{"text":4804,"type":103,"marks":4805},"L’échéance de paiement, le régime social et la trésorerie disponible",[4806],{"type":318},{"text":4808,"type":103}," doivent être suivis ensemble.",{"type":97,"attrs":4810,"content":4811},{"textAlign":25},[4812],{"text":4813,"type":103},"En centralisant les engagements de dépenses et les données de trésorerie, les équipes finance peuvent rapprocher plus facilement les provisions comptables des sorties de cash prévues.",[4815],{"cta":4816,"_uid":4817,"title":4818,"eyebrow":4826,"subtitle":4833,"component":172,"textAlign":73,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":4836,"sectionSettings":4837,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":73},[],"01c01bbf-6e86-4dc6-a36b-8055e306648b",{"type":94,"attrs":4819,"content":4820},{"backgroundColor":25},[4821],{"type":172,"attrs":4822,"content":4823},{"level":174,"textAlign":25},[4824],{"text":4825,"type":103},"Questions fréquentes sur la prime de 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00:00",[],"Clôture comptable en PME multi-entités : automatisez le rapprochement bancaire, fiabilisez le lettrage et pilotez votre checklist de fin de mois.",[],[4890],{"cta":4891,"_uid":4892,"items":4893,"heading":5023,"reverse":28,"component":2842,"sectionSettings":5047},[],"eabab4e5-8889-4c3b-9283-c4934f4f4256",[4894,4904,4914,4959,4969,4979,5013],{"_uid":4895,"hide":28,"title":4896,"component":2704,"description":4897},"b3d4a443-73ee-4408-aa5b-ec71c199e6a2","Quelle est la différence entre rapprochement bancaire et réconciliation bancaire ?",{"type":94,"content":4898},[4899],{"type":97,"attrs":4900,"content":4901},{"textAlign":25},[4902],{"text":4903,"type":103},"Le rapprochement bancaire compare le relevé bancaire avec les écritures du compte 512. La réconciliation est une notion plus large, qui peut également couvrir les comptes clients, fournisseurs, les justificatifs et les opérations entre plusieurs sources de données.",{"_uid":4905,"hide":28,"title":4906,"component":2704,"description":4907},"5aa55bb2-4345-4e98-b91c-d18c1d1817e7","Faut-il faire le lettrage avant le rapprochement bancaire ?",{"type":94,"content":4908},[4909],{"type":97,"attrs":4910,"content":4911},{"textAlign":25},[4912],{"text":4913,"type":103},"Il n’existe pas toujours un ordre obligatoire. En pratique, le lettrage et le rapprochement bancaire peuvent être réalisés en parallèle. Le lettrage permet de nettoyer les comptes clients et fournisseurs, tandis que le rapprochement vérifie la concordance entre la banque et la comptabilité.",{"_uid":4915,"hide":28,"title":4916,"component":2704,"description":4917},"1ead6d5c-8098-43e6-af8f-45c8ed11cddf","Pouvez-vous donner un exemple concret de rapprochement bancaire ?",{"type":94,"content":4918},[4919],{"type":97,"attrs":4920,"content":4921},{"textAlign":25},[4922,4924,4928,4930,4934,4936,4940,4942,4946,4948,4952,4954,4958],{"text":4923,"type":103},"Avec un compte 512 à ",{"text":4925,"type":103,"marks":4926},"42 000 €",[4927],{"type":318},{"text":4929,"type":103}," et un relevé bancaire à ",{"text":4931,"type":103,"marks":4932},"43 650 €",[4933],{"type":318},{"text":4935,"type":103},", un chèque de ",{"text":4937,"type":103,"marks":4938},"1 500 €",[4939],{"type":318},{"text":4941,"type":103}," non débité, un virement client de ",{"text":4943,"type":103,"marks":4944},"240 €",[4945],{"type":318},{"text":4947,"type":103}," et ",{"text":4949,"type":103,"marks":4950},"90 €",[4951],{"type":318},{"text":4953,"type":103}," de frais bancaires ramènent les deux colonnes à un solde corrigé identique de ",{"text":4955,"type":103,"marks":4956},"42 150 €",[4957],{"type":318},{"text":518,"type":103},{"_uid":4960,"hide":28,"title":4961,"component":2704,"description":4962},"e0cd52bf-94a0-4b82-92a0-91d8fea5e069","À quelle fréquence faut-il faire un rapprochement bancaire ?",{"type":94,"content":4963},[4964],{"type":97,"attrs":4965,"content":4966},{"textAlign":25},[4967],{"text":4968,"type":103},"Un rapprochement mensuel constitue une bonne base. En environnement multi-entités ou lorsque les volumes sont importants, un rythme hebdomadaire réduit le nombre d’écarts à traiter lors de la clôture.",{"_uid":4970,"hide":28,"title":4971,"component":2704,"description":4972},"2310f311-5848-474d-871b-8e10246b307a","Quelles sont les dates clés d’une clôture comptable ?",{"type":94,"content":4973},[4974],{"type":97,"attrs":4975,"content":4976},{"textAlign":25},[4977],{"text":4978,"type":103},"Les dates dépendent de l’organisation de l’entreprise. Une checklist peut prévoir le rapprochement et le lettrage entre J+1 et J+5, les écritures d’inventaire avant la validation des comptes et les déclarations fiscales selon les échéances indiquées dans l’espace professionnel.",{"_uid":4980,"hide":28,"title":4981,"component":2704,"description":4982},"556b45a3-d58f-49ab-b364-b512ccb5171f","Quelle peut être la durée du premier exercice comptable ?",{"type":94,"content":4983},[4984],{"type":97,"attrs":4985,"content":4986},{"textAlign":25},[4987,4993,4997,5002,5009],{"text":4988,"type":103,"marks":4989},"Le premier exercice comptable peut durer moins ou plus de 12 mois, dans la limite de ",[4990],{"type":168,"attrs":4991},{"color":4992},"oklch(0.923 0.003 48.717)",{"text":4994,"type":103,"marks":4995},"24 mois",[4996],{"type":318},{"text":4998,"type":103,"marks":4999},". 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Elles proposent des workflows de validation paramétrables par montant, département ou entité, avec approbation mobile et relances automatiques.",{"_uid":5366,"title":5367,"component":2704,"description":5368},"db2bd0c0-a6c3-45b2-90c3-205402efcb88","Comment intégrer la facturation électronique à mon logiciel comptable existant ?",{"type":94,"content":5369},[5370],{"type":97,"attrs":5371,"content":5372},{"textAlign":25},[5373],{"text":5374,"type":103},"Choisissez une solution disposant de connecteurs natifs avec votre logiciel (Pennylane, Cegid, Sage). Les données extraites par OCR s'intègrent directement dans votre comptabilité : écritures fournisseurs, TVA, codes analytiques. La synchronisation en temps réel élimine les exports manuels et réduit le délai de clôture de 3 à 5 jours en moyenne.",{"_uid":5376,"title":5377,"component":2704,"description":5378},"b38c127d-0e1e-4d86-a77d-d8984b5e1253","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":94,"content":5379},[5380],{"type":97,"attrs":5381,"content":5382},{"textAlign":25},[5383],{"text":5384,"type":103},"Non. Un PDF classique est une image numérique sans données structurées. Pour être conforme à la réforme, une facture doit utiliser un format structuré (Factur-X, UBL ou CII) et transiter par une plateforme certifiée PA ou le PPF.","dematerialisation-des-factures-simple-obligation-legale-ou-vrai-avantage-pour-les-pme","fr/blog/dematerialisation-des-factures-simple-obligation-legale-ou-vrai-avantage-pour-les-pme",-1460,[],"35fbaec0-2932-4993-885a-17e4aab1f4cc",[],"blog/dematerialisation-des-factures-simple-obligation-legale-ou-vrai-avantage-pour-les-pme",[5393,5394,5395],{"path":5391,"name":25,"lang":32,"published":25},{"path":5391,"name":25,"lang":38,"published":25},{"path":5391,"name":25,"lang":40,"published":25},[5397,5398,5399,5400],["Reactive",3573],["Reactive",5125],["Reactive",3229],["Reactive",4159],1788600033377]