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Dès lors, comment faire impasse sur un logiciel de gestion des achats robuste, rapide et fiable ? ",{"text":83,"type":73,"marks":84},"Il question ici non seulement d'un ensemble d'outil, mais surtout d'une méthodologie ",[85],{"type":86},"bold",{"text":88,"type":73},"orientée vers une ",{"text":90,"type":73,"marks":91},"gestion active des achats",[92],{"type":76,"attrs":93},{"href":94,"uuid":26,"anchor":26,"target":26,"linktype":79},"https://www.spendesk.com/fr/blog/gestion-des-achats-guide-complet/",{"text":96,"type":73},".",{"type":69,"content":98},[99],{"text":100,"type":73},"Pour y parvenir, les équipes financières doivent s'appuyer sur des outils complets. ",{"type":69,"content":102},[103,105,109],{"text":104,"type":73},"Une ",{"text":90,"type":73,"marks":106},[107],{"type":76,"attrs":108},{"href":94,"uuid":26,"anchor":26,"target":26,"linktype":79},{"text":110,"type":73}," est essentielle pour maintenir la compétitivité et la rentabilité de votre entreprise. ",{"type":69,"content":112},[113],{"text":114,"type":73},"Voici dix fonctionnalités que nous considérons (de manière forcément un peu biaisée) comme les points d'orgue d'une solution achat complète et bien pensée.",{"type":116,"attrs":117,"content":119},"heading",{"level":118},2,[120],{"text":121,"type":73},"1. Gestion automatisée des bons commandes",{"type":69,"content":123},[124,128],{"text":125,"type":73,"marks":126},"Problème :",[127],{"type":86},{"text":129,"type":73}," La gestion manuelle des commandes est chronophage et sujette aux erreurs d'entrée.",{"type":69,"content":131},[132,136],{"text":133,"type":73,"marks":134},"Solution :",[135],{"type":86},{"text":137,"type":73}," Un bon logiciel de gestion des achats automatise l'ensemble du processus de commande, de la création à l'approbation et à la réception. Cette automatisation réduit les erreurs, accélère le processus et permet aux équipes de se concentrer sur des tâches plus stratégiques.",{"type":69,"content":139},[140,142],{"text":141,"type":73},"Comment cela se passe-t-il concrètement sur la plateforme ? ",{"text":143,"type":73,"marks":144},"Petit tour d'horizon en images :",[145],{"type":86},{"type":147,"attrs":148},"blok",{"id":149,"body":150},"41cd23a5-6aab-4260-a226-c1176063a408",[151],{"_uid":152,"caption":23,"autoplay":29,"noShadow":29,"component":153,"thumbnail":154,"playerType":155,"onPlayEvent":23,"externalVideo":156,"internalVideo":157,"playButtonText":23},"i-cdbe22d0-d103-408e-94f7-d896a2ab59bc","video",[],"inline","https://www.youtube.com/watch?v=yygDdprq3eE",{"id":26,"alt":26,"name":23,"focus":26,"title":26,"source":26,"filename":23,"copyright":26,"fieldtype":158,"meta_data":159},"asset",{},{"type":116,"attrs":161,"content":162},{"level":118},[163],{"text":164,"type":73},"2. Intégration des fournisseurs",{"type":69,"content":166},[167,170],{"text":125,"type":73,"marks":168},[169],{"type":86},{"text":171,"type":73}," La gestion de multiples fournisseurs peut être complexe et désorganisée.",{"type":69,"content":173},[174,177,179,185],{"text":133,"type":73,"marks":175},[176],{"type":86},{"text":178,"type":73}," La capacité d'intégrer et de gérer les fournisseurs directement dans le logiciel permet de centraliser toutes les informations nécessaires. Les équipes peuvent ainsi suivre facilement les ",{"text":180,"type":73,"marks":181},"factures des fournisseurs",[182],{"type":76,"attrs":183},{"href":184,"uuid":26,"anchor":26,"target":26,"linktype":79},"https://www.spendesk.com/fr/blog/processus-de-traitement-des-factures-fournisseurs/",{"text":186,"type":73},", les délais de livraison et les coûts, tout en maintenant des relations solides et efficaces.",{"type":116,"attrs":188,"content":189},{"level":118},[190],{"text":191,"type":73},"3. Gestion des dépenses en temps réel",{"type":69,"content":193},[194,197],{"text":125,"type":73,"marks":195},[196],{"type":86},{"text":198,"type":73}," Les équipes financières manquent souvent de visibilité sur les dépenses en cours.",{"type":69,"content":200},[201,204,206,212],{"text":133,"type":73,"marks":202},[203],{"type":86},{"text":205,"type":73}," La ",{"text":207,"type":73,"marks":208},"gestion en temps réel des dépenses",[209],{"type":76,"attrs":210},{"href":211,"uuid":26,"anchor":26,"target":26,"linktype":79},"https://www.spendesk.com/fr/product/spend-control/",{"text":213,"type":73}," permet de surveiller chaque transaction au fur et à mesure qu'elle se produit. Les responsables peuvent ainsi réagir rapidement en cas de dépassement de budget ou d'anomalie, assurant une meilleure maîtrise des coûts.",{"type":116,"attrs":215,"content":216},{"level":118},[217],{"text":218,"type":73},"4. Analyses et rapports personnalisés",{"type":69,"content":220},[221,224],{"text":125,"type":73,"marks":222},[223],{"type":86},{"text":225,"type":73}," La prise de décision est souvent entravée par un manque de données précises et exploitables.",{"type":69,"content":227},[228,231,233,239],{"text":133,"type":73,"marks":229},[230],{"type":86},{"text":232,"type":73}," Des outils d'analyse et de ",{"text":234,"type":73,"marks":235},"reporting",[236],{"type":76,"attrs":237},{"href":238,"uuid":26,"anchor":26,"target":26,"linktype":79},"https://www.spendesk.com/fr/product/spending-reports/",{"text":240,"type":73}," robustes permettent de générer des rapports personnalisés sur les dépenses, les performances des fournisseurs et les tendances d'achat. Ces informations précieuses aident les décideurs à identifier les opportunités d'optimisation et à élaborer des stratégies plus efficaces.",{"type":116,"attrs":242,"content":243},{"level":118},[244],{"text":245,"type":73},"5. Gestion des contrats et des renouvellements",{"type":69,"content":247},[248,251],{"text":125,"type":73,"marks":249},[250],{"type":86},{"text":252,"type":73}," Le suivi des contrats et des dates de renouvellement est complexe et sujet à des oublis.",{"type":69,"content":254},[255,258,260,266],{"text":133,"type":73,"marks":256},[257],{"type":86},{"text":259,"type":73}," Un bon logiciel de gestion des achats inclut une fonctionnalité de gestion des contrats qui enregistre toutes les informations pertinentes et envoie des rappels automatiques avant les dates de renouvellement. Cela assure une gestion proactive et évite les interruptions de service ou les pénalités. Le paiement est également suivi grâce à des ",{"text":261,"type":73,"marks":262},"cartes d'abonnement dédiées et plafonnées",[263],{"type":76,"attrs":264},{"href":265,"uuid":26,"anchor":26,"target":26,"linktype":79},"https://www.spendesk.com/fr/product/subscription-management/",{"text":267,"type":73},", ce qui empêche mécaniquement tout dépasse de budget. ",{"type":116,"attrs":269,"content":270},{"level":118},[271],{"text":272,"type":73},"6. Intégration avec d'autres systèmes",{"type":69,"content":274},[275,278],{"text":125,"type":73,"marks":276},[277],{"type":86},{"text":279,"type":73}," Les données fragmentées entre différents systèmes peuvent entraîner des incohérences et des inefficacités.",{"type":69,"content":281},[282,285,287,293],{"text":133,"type":73,"marks":283},[284],{"type":86},{"text":286,"type":73}," Une intégration fluide avec des systèmes ",{"text":288,"type":73,"marks":289},"ERP",[290],{"type":76,"attrs":291},{"href":292,"uuid":26,"anchor":26,"target":26,"linktype":79},"https://www.spendesk.com/fr/blog/erp/",{"text":294,"type":73},", comptables, et autres outils d'entreprise permet une synchronisation des données en temps réel. Cela garantit que toutes les informations sont à jour et cohérentes à travers l'organisation.",{"type":116,"attrs":296,"content":297},{"level":118},[298],{"text":299,"type":73},"7. Gestion des inventaires",{"type":69,"content":301},[302,305],{"text":125,"type":73,"marks":303},[304],{"type":86},{"text":306,"type":73}," La gestion des stocks et des inventaires est souvent une source de confusion et de surcoût.",{"type":69,"content":308},[309,312],{"text":133,"type":73,"marks":310},[311],{"type":86},{"text":313,"type":73}," La gestion des inventaires intégrée permet de suivre les niveaux de stock en temps réel, de planifier les réapprovisionnements et d'éviter les ruptures de stock ou les surplus inutiles. Cela contribue à une gestion plus efficace des ressources et à une réduction des coûts.",{"type":116,"attrs":315,"content":316},{"level":118},[317],{"text":318,"type":73},"8. Processus d'approbation automatisés",{"type":69,"content":320},[321,324],{"text":125,"type":73,"marks":322},[323],{"type":86},{"text":325,"type":73}," Les processus d'approbation manuels sont lents et peuvent retarder les achats importants.",{"type":69,"content":327},[328,331,333,339],{"text":133,"type":73,"marks":329},[330],{"type":86},{"text":332,"type":73}," Des ",{"text":334,"type":73,"marks":335},"circuits d'approbation automatisés",[336],{"type":76,"attrs":337},{"href":338,"uuid":26,"anchor":26,"target":26,"linktype":79},"https://helpcenter.spendesk.com/fr/articles/4062441-1-2-3-configurer-votre-politique-d-approbation-generale-ou-personnalisee",{"text":340,"type":73}," garantissent que toutes les demandes d'achat sont traitées rapidement et efficacement, conformément aux politiques de l'entreprise. Les responsables peuvent approuver ou rejeter les demandes à tout moment, depuis n'importe quel appareil.",{"type":147,"attrs":342},{"id":343,"body":344},"3d70c46c-74b0-44e0-8151-312435eb1aab",[345],{"_uid":346,"text":347,"color":348,"title":349,"component":350},"i-304c1f62-d508-4f4d-b64c-446abcf9f6c8","L'un des plus grands enjeux pour le CFO moderne est souvent de mieux communiquer avec les autres stakeholders à l'intérieur même de son organisation. Disposer de flux d'approbation de dépense clairs, de rapports précis et lisibles et d'une politique de dépense imprimée à même l'outil de gestion constitue un des axes majeurs pour l'accompagner dans cette mission.","purple","Les CFO en première ligne","callout",{"type":116,"attrs":352,"content":353},{"level":118},[354],{"text":355,"type":73},"9. Sécurité et conformité",{"type":69,"content":357},[358,361],{"text":125,"type":73,"marks":359},[360],{"type":86},{"text":362,"type":73}," Les données sensibles et les transactions financières nécessitent des mesures de sécurité rigoureuses.",{"type":69,"content":364},[365,368],{"text":133,"type":73,"marks":366},[367],{"type":86},{"text":369,"type":73}," Un logiciel de gestion des achats doit offrir des fonctionnalités de sécurité avancées telles que le cryptage des données, l'authentification multi-facteurs et des audits réguliers de sécurité. Cela protège les informations sensibles et garantit la conformité aux réglementations en vigueur.",{"type":116,"attrs":371,"content":372},{"level":118},[373],{"text":374,"type":73},"10. Accessibilité mobile",{"type":69,"content":376},[377,380],{"text":125,"type":73,"marks":378},[379],{"type":86},{"text":381,"type":73}," Les équipes en déplacement ont besoin d'accéder aux fonctionnalités de gestion des achats en dehors du bureau.",{"type":69,"content":383},[384,387],{"text":133,"type":73,"marks":385},[386],{"type":86},{"text":388,"type":73}," Une application mobile dédiée permet aux utilisateurs de gérer les commandes, d'approuver les dépenses et de consulter les rapports depuis n'importe où. Cela offre une flexibilité accrue et assure une continuité des opérations.",{"type":116,"attrs":390,"content":391},{"level":118},[392],{"text":393,"type":73},"Pourquoi vouloir une solution toute intégrée",{"type":69,"content":395},[396,398,402],{"text":397,"type":73},"Un logiciel de gestion achat n'est pas seulement une solution SaaS, utilisée de temps en temps pour répondre à des besoins spontanés. ",{"text":399,"type":73,"marks":400},"Il s'agit d'une des pierres angulaires de la machine administrative qui se trouve au coeur du bon fonctionnement de votre structure.",[401],{"type":86},{"text":403,"type":73}," À ce titre, apporter une attention particulière aux intégrations, à l'expérience utilisateur et au suivi client fait partie de nos prérogatives. ",{"type":69,"content":405},[406],{"text":407,"type":73},"Spendesk propose une solution complète qui répond à ces besoins et bien plus encore, offrant aux entreprises un contrôle total et une visibilité sur leurs dépenses. 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Guide complet pour 2025.",[3972],{"_uid":3973,"items":3974,"heading":4027,"reverse":29,"component":550,"sectionSettings":4044},"6154f608-393f-4efd-b316-6b600f016b9d",[3975,3983,3991,4000,4009,4018],{"_uid":3976,"title":488,"component":489,"description":3977},"56f8ef00-21a0-4adf-bf0c-7f7369596fd5",{"type":66,"content":3978},[3979],{"type":69,"content":3980},[3981],{"text":3982,"type":73},"La gestion des dépenses est le processus de suivi, contrôle et catégorisation de toutes les dépenses professionnelles pour garantir la conformité comptable. 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Spendesk facilite la gestion des charges indirectes en centralisant dépenses, en appliquant tags et règles d'allocation, et en exportant des rapports multi-dimensionnels pour répartir les frais généraux dans la comptabilité.",{"_uid":4010,"title":4011,"component":489,"description":4012},"697609ae-3213-4d0d-8fad-e5842bc2d8b5","Comment automatiser la catégorisation des charges directes et indirectes avec Spendesk ?",{"type":66,"content":4013},[4014],{"type":69,"content":4015},[4016],{"text":4017,"type":73},"Spendesk automatise la catégorisation des charges avec des règles de mappage fournisseur, tags automatiques, attribution de comptes de charge et paramètres de TVA. Les cartes virtuelles et les workflows d'approbation garantissent que chaque dépense est étiquetée et exportée vers le bon compte comptable sans saisie manuelle.",{"_uid":4019,"title":4020,"component":489,"description":4021},"b9d2655a-5a65-476d-9a36-d7c3fb710286","Pourquoi une catégorisation correcte des charges est-elle importante pour la comptabilité ?",{"type":66,"content":4022},[4023],{"type":69,"content":4024},[4025],{"text":4026,"type":73},"Une catégorisation correcte assure des états financiers fiables, un calcul exact de la TVA et des décisions budgétaires pertinentes. Spendesk fournit rapports granulaires, contrôle des approbations et exports comptables (CSV, Xero, QuickBooks) pour réduire les erreurs, accélérer les clôtures et améliorer la visibilité financière.",[4028],{"cta":4029,"_uid":4030,"title":4031,"eyebrow":4037,"subtitle":4040,"component":116,"textAlign":23,"sectionSettings":4043,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"55d6439e-2d6e-4d0b-811f-88833524e113",{"type":66,"content":4032},[4033],{"type":116,"attrs":4034,"content":4035},{"level":118},[4036],{"text":542,"type":73},{"type":66,"content":4038},[4039],{"type":69},{"type":66,"content":4041},[4042],{"type":69},[],[4045],{"_uid":4046,"hide":29,"theme":554,"anchorId":23,"component":555,"spacingTop":23,"hideOnDevices":4047,"spacingBottom":23,"floatingImages":4048,"variableOverrides":4049},"887f5da9-8cd7-4c15-b74a-887884072568",[],[],[],"charges-directes-vs-indirectes","fr/blog/charges-directes-vs-indirectes",[],"c5aaf963-de62-4c46-b57d-cd48a4a26b74","2025-05-06T13:41:51.421Z",[],"blog/charges-directes-vs-indirectes",[4058,4059,4060],{"path":4056,"name":26,"lang":33,"published":26},{"path":4056,"name":26,"lang":39,"published":26},{"path":4056,"name":26,"lang":41,"published":26},{"name":4062,"created_at":4063,"published_at":4064,"updated_at":4065,"id":4066,"uuid":4067,"content":4068,"slug":4187,"full_slug":4188,"sort_by_date":26,"position":4189,"tag_list":4190,"is_startpage":29,"parent_id":26,"meta_data":26,"group_id":4191,"first_published_at":4064,"release_id":26,"lang":33,"path":26,"alternates":4192,"default_full_slug":4187,"translated_slugs":4193},"Virement SEPA fournisseur 2026 : pourquoi le \"Verification of Payee\" peut bloquer vos paiements et comment l'éviter","2026-06-19T05:19:27.826Z","2026-06-19T05:50:53.428Z","2026-06-19T05:50:53.448Z",189058121048356,"7a10bd8e-3482-40ed-9e06-35d17f9b09ca",{"_uid":4069,"title":4062,"topics":4070,"noIndex":29,"category":4079,"language":4088,"component":428,"heroMedia":4089,"publishedAt":3496,"redirectUrl":23,"listingImage":4096,"metaDescription":4097,"bottomArticleCta":4098,"componentsAfterTheArticle":4099},"eec835b2-3545-4b39-a855-06a20b5ffd72",[4071],{"name":45,"created_at":46,"published_at":16,"updated_at":47,"id":48,"uuid":49,"content":4072,"slug":52,"full_slug":53,"sort_by_date":26,"position":54,"tag_list":4073,"is_startpage":29,"parent_id":56,"meta_data":26,"group_id":57,"first_published_at":58,"release_id":26,"lang":33,"path":26,"alternates":4074,"default_full_slug":60,"translated_slugs":4075,"_stopResolving":42},{"_uid":51,"name":45,"component":22},[],[],[4076,4077,4078],{"path":60,"name":26,"lang":33,"published":26},{"path":60,"name":26,"lang":39,"published":26},{"path":60,"name":26,"lang":41,"published":26},{"name":416,"created_at":417,"published_at":16,"updated_at":418,"id":419,"uuid":420,"content":4080,"slug":428,"full_slug":429,"sort_by_date":26,"position":430,"tag_list":4082,"is_startpage":29,"parent_id":432,"meta_data":26,"group_id":433,"first_published_at":434,"release_id":26,"lang":33,"path":26,"alternates":4083,"default_full_slug":436,"translated_slugs":4084,"_stopResolving":42},{"_uid":422,"icon":4081,"name":416,"component":427},{"id":424,"alt":425,"name":23,"focus":23,"title":23,"filename":426,"copyright":23,"fieldtype":158,"is_external_url":29},[],[],[4085,4086,4087],{"path":436,"name":26,"lang":33,"published":26},{"path":436,"name":26,"lang":39,"published":26},{"path":436,"name":26,"lang":41,"published":26},[33],[4090],{"_uid":4091,"asset":4092,"caption":23,"component":451},"ace26819-6228-4e11-b469-fc1e0e2d3464",{"id":4093,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4094,"copyright":23,"fieldtype":158,"meta_data":4095,"is_external_url":29},158248270548124,"https://a.storyblok.com/f/146026/1536x1024/168b93ea18/financial-due-diligence.png",{},[],"Le controle IBAN VoP bloque les virements SEPA mal renseignés depuis octobre 2025. Découvrez comment fiabiliser vos données fournisseurs et éviter les rejets.",[],[4100],{"cta":4101,"_uid":4102,"items":4103,"heading":4164,"reverse":29,"component":550,"sectionSettings":4186},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[4104,4114,4124,4134,4144,4154],{"_uid":4105,"hide":29,"title":4106,"component":489,"description":4107},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes coordonnées fournisseurs pour que le Verification of Payee ne bloque pas mes virements ?",{"type":66,"content":4108},[4109],{"type":69,"attrs":4110,"content":4111},{"textAlign":26},[4112],{"text":4113,"type":73},"Deux priorités avant novembre 2026 : fiabiliser les dénominations légales du référentiel fournisseurs (audit SIRENE, standardisation de la forme juridique, validation de chaque IBAN par sa clé de contrôle) et instaurer un workflow de double vérification pour tout changement de coordonnées bancaires. Les cinq étapes détaillées dans cet article permettent de traiter un référentiel fournisseurs actif et de réduire les alertes \"No Match\" dès la prochaine campagne de paiement.",{"_uid":4115,"hide":29,"title":4116,"component":489,"description":4117},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":66,"content":4118},[4119],{"type":69,"attrs":4120,"content":4121},{"textAlign":26},[4122],{"text":4123,"type":73},"Les deux chiffres situés après le code pays constituent la clé de controle iban. Ils valident mathématiquement la cohérence du numéro selon l'algorithme MOD-97 (norme ISO 13616). Un IBAN dont la clé est invalide signale une erreur de saisie ou un numéro fabriqué, avant même que le contrôle VoP ne soit déclenché par le PSP. C'est un premier filtre rapide, réalisable dans Excel ou tout logiciel de gestion.",{"_uid":4125,"hide":29,"title":4126,"component":489,"description":4127},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":66,"content":4128},[4129],{"type":69,"attrs":4130,"content":4131},{"textAlign":26},[4132],{"text":4133,"type":73},"Coordonnez-vous avec votre banque pour comprendre le paramétrage VoP retenu (seuils d'alerte, mode opt-in ou opt-out) et préparez simultanément vos fichiers de paiement au format ISO 20022 avec adresses structurées avant novembre 2026. Les cinq étapes détaillées dans cet article couvrent l'essentiel du projet.",{"_uid":4135,"hide":29,"title":4136,"component":489,"description":4137},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment le \"Verification of Payee\" aide-t-il à prévenir la fraude au virement fournisseur ?",{"type":66,"content":4138},[4139],{"type":69,"attrs":4140,"content":4141},{"textAlign":26},[4142],{"text":4143,"type":73},"Le VoP détecte automatiquement les incohérences entre le nom du bénéficiaire et le titulaire de l'IBAN. Si l'IBAN transmis ne correspond pas au fournisseur légitime, le PSP renvoie \"No Match\" et suspend le virement avant tout mouvement de fonds. Ce mécanisme couvre l'ensemble des virements SEPA standards et instantanés pour les PSP de la zone euro depuis le 9 octobre 2025.",{"_uid":4145,"hide":29,"title":4146,"component":489,"description":4147},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":66,"content":4148},[4149],{"type":69,"attrs":4150,"content":4151},{"textAlign":26},[4152],{"text":4153,"type":73},"Auditez votre référentiel fournisseurs en comparant les dénominations avec le registre SIRENE, standardisez le format des noms légaux, validez chaque IBAN par sa clé de contrôle (2 chiffres après le code pays), et instaurez un workflow de double vérification pour tout changement de coordonnées bancaires. La durée d'un audit dépend de la taille et de la qualité initiale du référentiel : mieux vaut l'anticiper avant une campagne de paiement que le découvrir sous pression.",{"_uid":4155,"hide":29,"title":4156,"component":489,"description":4157},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi un virement SEPA est-il rejeté quand le nom du bénéficiaire et l'IBAN ne correspondent pas ?",{"type":66,"content":4158},[4159],{"type":69,"attrs":4160,"content":4161},{"textAlign":26},[4162],{"text":4163,"type":73},"Depuis le 9 octobre 2025, le Verification of Payee (VoP) oblige les PSP de la zone euro à comparer le nom du bénéficiaire renseigné avec le titulaire réel du compte IBAN. Un écart significatif renvoie \"No Match\" : le PSP suspend le virement en attendant confirmation ou correction. La grande majorité des rejets observés depuis l'entrée en vigueur sont liés à des incohérences de dénomination plutôt qu'à des tentatives de fraude.",[4165],{"cta":4166,"_uid":4167,"title":4168,"eyebrow":4175,"subtitle":4181,"component":116,"textAlign":23,"eyebrowPill":29,"flexibleSection":4184,"sectionSettings":4185,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":66,"content":4169},[4170],{"type":116,"attrs":4171,"content":4172},{"level":118,"textAlign":26},[4173],{"text":4174,"type":73},"Ce qu'on nous demande souvent",{"type":66,"content":4176},[4177],{"type":69,"attrs":4178,"content":4179},{"textAlign":26},[4180],{"text":542,"type":73},{"type":66,"content":4182},[4183],{"type":69},[],[],[],"controle-iban-virement-fournisseur","fr/controle-iban-virement-fournisseur",-610,[],"4dbb530f-c571-46bf-b167-d00a36df77f2",[],[4194,4195,4196],{"path":4187,"name":26,"lang":33,"published":26},{"path":4187,"name":26,"lang":39,"published":26},{"path":4187,"name":26,"lang":41,"published":26},{"name":4198,"created_at":4199,"published_at":4200,"updated_at":4201,"id":4202,"uuid":4203,"content":4204,"slug":4322,"full_slug":4323,"sort_by_date":26,"position":4324,"tag_list":4325,"is_startpage":29,"parent_id":26,"meta_data":26,"group_id":4326,"first_published_at":4200,"release_id":26,"lang":33,"path":26,"alternates":4327,"default_full_slug":4322,"translated_slugs":4328},"Code BIC/SWIFT : définition, format et méthode pour ne pas se tromper lors pour d'un virement international","2026-06-12T15:38:21.318Z","2026-06-12T16:16:48.141Z","2026-06-12T16:16:48.164Z",186732959024944,"95cc4240-69c6-431a-8e77-42e9997ff532",{"_uid":4205,"title":4206,"topics":4207,"noIndex":29,"category":4232,"language":4241,"component":428,"heroMedia":4242,"publishedAt":4249,"redirectUrl":23,"listingImage":4250,"metaDescription":4251,"bottomArticleCta":4252,"componentsAfterTheArticle":4253},"4467bec0-d64a-4a6d-9b4a-635b1337facd","Code BIC/SWIFT : définition, format et méthode pour ne pas se tromper (lors d'un transfert 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00:00",[],"Le code SWIFT (ou BIC) identifie une banque lors d'un virement international. Découvrez sa structure, sa différence avec l'IBAN et comment trouver le bon code.",[],[4254],{"cta":4255,"_uid":4256,"items":4257,"heading":4298,"reverse":29,"component":550,"sectionSettings":4321},[],"befd26d7-efbc-4547-b962-adcc04f65826",[4258,4268,4278,4288],{"_uid":4259,"hide":29,"title":4260,"component":489,"description":4261},"ada4ffc1-fd17-4b8a-bc9f-9db853ed2f01","Que se passe-t-il si le code SWIFT est incorrect ?",{"type":66,"content":4262},[4263],{"type":69,"attrs":4264,"content":4265},{"textAlign":26},[4266],{"text":4267,"type":73},"Le virement est rejeté. Des frais de retour de 15 à 25 € s'appliquent dans la plupart des cas, et le bénéficiaire subit un retard de paiement pouvant atteindre une semaine supplémentaire.",{"_uid":4269,"hide":29,"title":4270,"component":489,"description":4271},"57fecd02-9c21-458f-9f48-8556cb56b75e","Peut-on retrouver un code BIC à partir d'un IBAN ?",{"type":66,"content":4272},[4273],{"type":69,"attrs":4274,"content":4275},{"textAlign":26},[4276],{"text":4277,"type":73},"Non directement. Le format IBAN (27 caractères pour un compte français) et le code BIC (8 ou 11 caractères) reposent sur des référentiels distincts. L'annuaire SWIFT permet de retrouver le BIC à partir du nom de la banque et du pays, pas à partir de l'IBAN seul.",{"_uid":4279,"hide":29,"title":4280,"component":489,"description":4281},"82995bda-869b-4d44-aa54-e554ae2a6798","Faut-il un code SWIFT pour un virement SEPA ?",{"type":66,"content":4282},[4283],{"type":69,"attrs":4284,"content":4285},{"textAlign":26},[4286],{"text":4287,"type":73},"Non. Pour un virement en euros au sein des 36 pays de la zone SEPA, l'IBAN suffit. Le code BIC/SWIFT devient nécessaire pour les virements hors zone SEPA ou dans une devise autre que l'euro.",{"_uid":4289,"hide":29,"title":4290,"component":489,"description":4291},"7a70cf01-14f7-4adc-9ffe-2b34b031d07a","Un code SWIFT et un code BIC, est-ce la même chose ?",{"type":66,"content":4292},[4293],{"type":69,"attrs":4294,"content":4295},{"textAlign":26},[4296],{"text":4297,"type":73},"Oui, les deux termes sont parfaitement interchangeables. Sur tout formulaire de virement, c'est toujours le même code à 8 ou 11 caractères à renseigner.",[4299],{"cta":4300,"_uid":4301,"title":4302,"eyebrow":4310,"subtitle":4316,"component":116,"textAlign":23,"eyebrowPill":29,"flexibleSection":4319,"sectionSettings":4320,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"5c7ee3aa-b512-4f5f-a8c7-d9581888b444",{"type":66,"content":4303},[4304],{"type":116,"attrs":4305,"content":4307},{"level":4306,"textAlign":26},3,[4308],{"text":4309,"type":73},"Ce qu'on nous demande souvent sur le sujet",{"type":66,"content":4311},[4312],{"type":69,"attrs":4313,"content":4314},{"textAlign":26},[4315],{"text":542,"type":73},{"type":66,"content":4317},[4318],{"type":69},[],[],[],"code-bic-swift","fr/code-bic-swift",-600,[],"37a887be-888a-435a-9935-7b987d21c4bd",[],[4329,4330,4331],{"path":4322,"name":26,"lang":33,"published":26},{"path":4322,"name":26,"lang":39,"published":26},{"path":4322,"name":26,"lang":41,"published":26},{"name":4333,"created_at":4334,"published_at":4335,"updated_at":4336,"id":4337,"uuid":4338,"content":4339,"slug":4464,"full_slug":4465,"sort_by_date":26,"position":4466,"tag_list":4467,"is_startpage":29,"parent_id":26,"meta_data":26,"group_id":4468,"first_published_at":4335,"release_id":26,"lang":33,"path":26,"alternates":4469,"default_full_slug":4464,"translated_slugs":4470},"Cash flow : tout comprendre pour ne plus piloter votre PME à l'aveugle","2026-06-12T14:24:33.466Z","2026-06-12T15:18:14.870Z","2026-06-12T15:18:14.889Z",186714822549836,"29524e86-70f3-4363-b3c7-eebfaf409798",{"_uid":4340,"title":4333,"topics":4341,"noIndex":29,"category":4366,"language":4375,"component":428,"heroMedia":4376,"publishedAt":4249,"redirectUrl":23,"listingImage":4377,"metaDescription":4384,"bottomArticleCta":4385,"componentsAfterTheArticle":4386},"a7868c7f-056d-4e7e-b938-12fb1b374287",[4342,4350,4358],{"name":45,"created_at":46,"published_at":16,"updated_at":47,"id":48,"uuid":49,"content":4343,"slug":52,"full_slug":53,"sort_by_date":26,"position":54,"tag_list":4344,"is_startpage":29,"parent_id":56,"meta_data":26,"group_id":57,"first_published_at":58,"release_id":26,"lang":33,"path":26,"alternates":4345,"default_full_slug":60,"translated_slugs":4346,"_stopResolving":42},{"_uid":51,"name":45,"component":22},[],[],[4347,4348,4349],{"path":60,"name":26,"lang":33,"published":26},{"path":60,"name":26,"lang":39,"published":26},{"path":60,"name":26,"lang":41,"published":26},{"name":2529,"created_at":2530,"published_at":16,"updated_at":2531,"id":2532,"uuid":2533,"content":4351,"slug":2536,"full_slug":2537,"sort_by_date":26,"position":2538,"tag_list":4352,"is_startpage":29,"parent_id":56,"meta_data":26,"group_id":2540,"first_published_at":2541,"release_id":26,"lang":33,"path":26,"alternates":4353,"default_full_slug":2543,"translated_slugs":4354,"_stopResolving":42},{"_uid":2535,"name":2529,"component":22},[],[],[4355,4356,4357],{"path":2543,"name":26,"lang":33,"published":26},{"path":2543,"name":26,"lang":39,"published":26},{"path":2543,"name":26,"lang":41,"published":26},{"name":2707,"created_at":2708,"published_at":16,"updated_at":2709,"id":2710,"uuid":2711,"content":4359,"slug":2714,"full_slug":2715,"sort_by_date":26,"position":2716,"tag_list":4360,"is_startpage":29,"parent_id":56,"meta_data":26,"group_id":2718,"first_published_at":2719,"release_id":26,"lang":33,"path":26,"alternates":4361,"default_full_slug":2721,"translated_slugs":4362,"_stopResolving":42},{"_uid":2713,"name":2707,"component":22},[],[],[4363,4364,4365],{"path":2721,"name":26,"lang":33,"published":26},{"path":2721,"name":26,"lang":39,"published":26},{"path":2721,"name":26,"lang":41,"published":26},{"name":416,"created_at":417,"published_at":16,"updated_at":418,"id":419,"uuid":420,"content":4367,"slug":428,"full_slug":429,"sort_by_date":26,"position":430,"tag_list":4369,"is_startpage":29,"parent_id":432,"meta_data":26,"group_id":433,"first_published_at":434,"release_id":26,"lang":33,"path":26,"alternates":4370,"default_full_slug":436,"translated_slugs":4371,"_stopResolving":42},{"_uid":422,"icon":4368,"name":416,"component":427},{"id":424,"alt":425,"name":23,"focus":23,"title":23,"filename":426,"copyright":23,"fieldtype":158,"is_external_url":29},[],[],[4372,4373,4374],{"path":436,"name":26,"lang":33,"published":26},{"path":436,"name":26,"lang":39,"published":26},{"path":436,"name":26,"lang":41,"published":26},[33],[],[4378],{"_uid":4379,"asset":4380,"caption":23,"component":451},"94df491d-5b57-475b-8e2b-9c0b9ab36ef4",{"id":4381,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4382,"copyright":23,"fieldtype":158,"meta_data":4383,"is_external_url":29},21785633,"https://a.storyblok.com/f/146026/3060x2040/4cf07a2704/procurement-manager_header.png",{},"Cash flow : définition, formules de calcul (CFO, free cash flow) et leviers concrets pour améliorer la trésorerie de votre PME. Guide complet pour les DAF.",[],[4387],{"cta":4388,"_uid":4389,"items":4390,"heading":4441,"reverse":29,"component":550,"sectionSettings":4463},[],"9f4994c7-e987-48cd-867e-6140b39dc84b",[4391,4401,4411,4421,4431],{"_uid":4392,"hide":29,"title":4393,"component":489,"description":4394},"dc08235c-92a3-471e-aa7d-ec72d6c3465a","Comment traduire “cash flow” en français ?",{"type":66,"content":4395},[4396],{"type":69,"attrs":4397,"content":4398},{"textAlign":26},[4399],{"text":4400,"type":73},"L’équivalent français est “flux de trésorerie”. Dans la pratique, les professionnels de la finance utilisent indifféremment les deux termes. Le PCG et l’ANC emploient “tableau des flux de trésorerie” dans leurs textes normatifs.",{"_uid":4402,"hide":29,"title":4403,"component":489,"description":4404},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":66,"content":4405},[4406],{"type":69,"attrs":4407,"content":4408},{"textAlign":26},[4409],{"text":4410,"type":73},"Le cash pooling est une technique de gestion de trésorerie utilisée par les groupes multi-entités. Il consiste à centraliser les soldes bancaires de plusieurs filiales sur un compte unique pour optimiser la trésorerie globale, en compensant les excédents des unes avec les besoins des autres.",{"_uid":4412,"hide":29,"title":4413,"component":489,"description":4414},"fac9d191-26a7-42b8-9fb3-710f4fadaf2f","Le cash flow peut-il être négatif sans que l’entreprise soit en danger ?",{"type":66,"content":4415},[4416],{"type":69,"attrs":4417,"content":4418},{"textAlign":26},[4419],{"text":4420,"type":73},"Oui, dans deux cas fréquents : un investissement ponctuel important ou une saisonnalité marquée. Le signal d’alerte survient quand le cash flow reste négatif sur plusieurs trimestres consécutifs sans explication structurelle.",{"_uid":4422,"hide":29,"title":4423,"component":489,"description":4424},"dffc6104-d8ea-46ae-be7d-9e2bb991e7bd","Quelle est la différence entre cash flow et résultat net ?",{"type":66,"content":4425},[4426],{"type":69,"attrs":4427,"content":4428},{"textAlign":26},[4429],{"text":4430,"type":73},"Le résultat net inclut des écritures comptables sans impact de trésorerie (amortissements, provisions). Le cash flow ne retient que les mouvements réels d’argent. Une entreprise peut afficher un bénéfice net tout en manquant de liquidités.",{"_uid":4432,"hide":29,"title":4433,"component":489,"description":4434},"985e7d6f-893a-4760-802c-0b331a306fdf","Quelle est la formule du cash flow ?",{"type":66,"content":4435},[4436],{"type":69,"attrs":4437,"content":4438},{"textAlign":26},[4439],{"text":4440,"type":73},"La formule directe est : produits encaissés moins charges décaissées. En méthode indirecte, le cash flow opérationnel se calcule ainsi : résultat net, plus amortissements et provisions, moins la variation du BFR.",[4442],{"cta":4443,"_uid":4444,"title":4445,"eyebrow":4452,"subtitle":4458,"component":116,"textAlign":23,"eyebrowPill":29,"flexibleSection":4461,"sectionSettings":4462,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"d6f717fc-977e-4c61-950c-2eb5456901dc",{"type":66,"content":4446},[4447],{"type":116,"attrs":4448,"content":4449},{"level":118,"textAlign":26},[4450],{"text":4451,"type":73},"Les questions qu'on nous pose souvent",{"type":66,"content":4453},[4454],{"type":69,"attrs":4455,"content":4456},{"textAlign":26},[4457],{"text":542,"type":73},{"type":66,"content":4459},[4460],{"type":69},[],[],[],"cash-flow-tout-comprendre","fr/cash-flow-tout-comprendre",-590,[],"1c0c0162-e38a-46c7-a692-721ee303aedb",[],[4471,4472,4473],{"path":4464,"name":26,"lang":33,"published":26},{"path":4464,"name":26,"lang":39,"published":26},{"path":4464,"name":26,"lang":41,"published":26},[4475,4476,4477,4478],["Reactive",3106],["Reactive",3905],["Reactive",3348],["Reactive",3659],["Island",4480],{"key":4481,"result":4482},"MarkdownRenderer_dHhaMwWSkXVkKyEy8oTl0gtog6iT4kuCbOSuXBlbOdM",{"head":4483},{"link":4484,"style":4485},[],[],1781949661163]