[{"data":1,"prerenderedAt":4502},["ShallowReactive",2],{"fr-blog/realiser-diagnostic-financier-entreprise":3,"fr-global-content":595,"fr-article-global-content":2203,"fr-blog-article-more-articles-d0994ca0-a555-425e-b68f-d17b0657cfdb":2455,"fr-blog-article-more-articles-208730067":4497},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":582,"full_slug":583,"sort_by_date":59,"position":584,"tag_list":585,"is_startpage":29,"parent_id":586,"meta_data":59,"group_id":587,"first_published_at":588,"release_id":59,"lang":65,"path":59,"alternates":589,"default_full_slug":590,"translated_slugs":591},"Réaliser un diagnostic financier : la santé de votre activité passe par là !","2022-10-24T15:38:05.225Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:25.729Z",208730067,"5aa9c050-df0b-4674-8816-f2715d920432",{"_uid":11,"roles":12,"title":4,"author":13,"topics":75,"content":98,"category":475,"language":501,"component":488,"heroMedia":502,"sidebarCta":509,"publishedAt":510,"readingTime":511,"redirectUrl":23,"listingImage":512,"metaDescription":513,"componentsAfterTheArticle":514},"51b6a839-29de-4a53-b653-7131bcf88539",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":57,"full_slug":58,"sort_by_date":59,"position":60,"tag_list":61,"is_startpage":29,"parent_id":62,"meta_data":59,"group_id":63,"first_published_at":64,"release_id":59,"lang":65,"path":59,"alternates":66,"default_full_slug":67,"translated_slugs":68,"_stopResolving":74},"Faustine Rohr-Lacoste","2022-10-19T17:35:55.545Z","2026-03-12T10:47:19.862Z",206165068,"d4a7ed1e-5d21-41fb-bb7c-2c248ea8e138",{"_uid":20,"name":14,"links":21,"picture":43,"lastName":45,"component":46,"firstName":47,"description":48},"679675f6-4bbb-4803-9de2-e5f8782359b3",[22,36],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","0b7430de-7fc4-469d-8538-693cf73ae98c",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/in/faustine-rohr-lacoste-47787393/","url","multilink","primary","cta",{"tag":23,"_uid":37,"icon":38,"link":41,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"083f5ccf-d27f-49fa-a4e3-cae1940a4da4",{"id":39,"alt":23,"name":23,"focus":23,"title":23,"filename":40,"copyright":23,"fieldtype":28,"is_external_url":29},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":23,"url":42,"linktype":32,"fieldtype":33,"cached_url":42},"https://twitter.com/FaustineRL",{"alt":44,"name":23,"focus":23,"title":23,"filename":44,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/27a687f561/faustine-photo.png","Rohr-Lacoste","author","Faustine",{"type":49,"content":50},"doc",[51],{"type":52,"content":53},"paragraph",[54],{"text":55,"type":56},"Faustine is Head of Community at Spendesk. She is in charge of CFO Connect, a community of modern finance leaders.","text","faustine-rohr-lacoste","fr/blog/author/faustine-rohr-lacoste",null,-60,[],176408854,"8e827db8-3c56-46b4-bc3a-d2cdb598ddc3","2022-11-02T15:26:18.586Z","fr",[],"blog/author/faustine-rohr-lacoste",[69,70,72],{"path":67,"name":59,"lang":65,"published":59},{"path":67,"name":59,"lang":71,"published":59},"de",{"path":67,"name":59,"lang":73,"published":59},"es",true,[76],{"name":77,"created_at":78,"published_at":6,"updated_at":79,"id":80,"uuid":81,"content":82,"slug":85,"full_slug":86,"sort_by_date":59,"position":87,"tag_list":88,"is_startpage":29,"parent_id":89,"meta_data":59,"group_id":90,"first_published_at":91,"release_id":59,"lang":65,"path":59,"alternates":92,"default_full_slug":93,"translated_slugs":94,"_stopResolving":74},"Comptabilité","2022-10-19T17:57:49.664Z","2026-03-12T10:47:22.734Z",206171401,"d0994ca0-a555-425e-b68f-d17b0657cfdb",{"_uid":83,"name":77,"component":84},"1dc6497e-1135-45e9-a2c6-426facc382ba","tag","comptabilite","fr/blog/topic/comptabilite",-50,[],176456153,"0cd4ad6e-957d-466c-ad0c-f730e74c8b7a","2022-11-02T15:24:55.833Z",[],"blog/topic/comptabilite",[95,96,97],{"path":93,"name":59,"lang":65,"published":59},{"path":93,"name":59,"lang":71,"published":59},{"path":93,"name":59,"lang":73,"published":59},{"type":49,"content":99},[100,107,114,134,146,150,151,160,165,177,181,203,208,212,218,243,248,287,292,302,320,330,347,352,356,361,365,369,374,378,382,387,391,410,444,463,469,470],{"type":52,"content":101},[102],{"text":103,"type":56,"marks":104},"Tout comme il est recommandé de faire régulièrement un check-up auprès de son médecin, les chefs d'entreprise peuvent faire le diagnostic financier de leur société, cartographie précise et précieuse pour piloter leur activité.",[105],{"type":106},"bold",{"type":108,"attrs":109,"content":111},"heading",{"level":110},2,[112],{"text":113,"type":56},"Un diagnostic financier, pour quoi faire ?",{"type":52,"content":115},[116,118,122,124,132],{"text":117,"type":56},"Faire le diagnostic financier de son entreprise n'est pas obligatoire. Mais l'exercice est fortement recommandé pour les chefs d'entreprises qui veulent faire un état des lieux précis des comptes et ",{"text":119,"type":56,"marks":120},"comprendre comment l'activité et la rentabilité",[121],{"type":106},{"text":123,"type":56}," de la société évoluent. L'exercice est également un très bon exercice de prévention pour la ",{"text":125,"type":56,"marks":126},"gestion de sa trésorerie",[127],{"type":128,"attrs":129},"link",{"href":130,"uuid":23,"anchor":59,"target":59,"linktype":131},"gestion-des-depenses-en-entreprise","story",{"text":133,"type":56},".",{"type":52,"content":135},[136,138,144],{"text":137,"type":56},"Pour le chef d'entreprise, c'est un outil indispensable pour prendre les bonnes décisions stratégiques. Mais plus qu'un simple ",{"text":139,"type":56,"marks":140},"outil de pilotage",[141],{"type":128,"attrs":142},{"href":143,"uuid":23,"anchor":59,"target":59,"linktype":131},"indicateurs-reporting-financier",{"text":145,"type":56},", c'est également un outil précieux, voire indispensable, lorsqu'on envisage de céder son activité, de rassurer son banquier ou de séduire de nouveaux investisseurs.",{"type":52,"content":147},[148],{"text":149,"type":56},"Le diagnostic financier permet notamment d'identifier des leviers pour améliorer la santé financière de votre entreprise. Ainsi, si l'entreprise a beaucoup de frais financiers et d'agios à payer, peut-être doit-elle regarder du côté des délais de paiement de ses clients pour redresser la situation.",{"type":52},{"type":152,"attrs":153},"blok",{"id":154,"body":155},"6f5d449b-8604-4f0e-9d7f-2185bf50c877",[156],{"_uid":157,"html":158,"component":159},"i-dfe498f1-bad1-4de2-8d62-56c5dcf26e3c","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-c82a2003-5fea-4a08-95ed-67d976770d9c\">\u003Cspan class=\"hs-cta-node hs-cta-c82a2003-5fea-4a08-95ed-67d976770d9c\" id=\"hs-cta-c82a2003-5fea-4a08-95ed-67d976770d9c\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/c82a2003-5fea-4a08-95ed-67d976770d9c\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-c82a2003-5fea-4a08-95ed-67d976770d9c\" style=\"border-width:0px;\" height=\"1280\" width=\"2560\" src=\"https://no-cache.hubspot.com/cta/default/2694209/c82a2003-5fea-4a08-95ed-67d976770d9c.png\"  alt=\"guide-depense-operationnelles\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'c82a2003-5fea-4a08-95ed-67d976770d9c', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":108,"attrs":161,"content":162},{"level":110},[163],{"text":164,"type":56},"En quoi consiste un diagnostic financier ?",{"type":52,"content":166},[167,169,175],{"text":168,"type":56},"Le diagnostic financier s'appuie sur les ",{"text":170,"type":56,"marks":171},"états financiers",[172],{"type":128,"attrs":173},{"href":174,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.compta-facile.com/etats-financiers-d-une-entreprise/",{"text":176,"type":56}," de l'entreprise et permet de faire une photographie fidèle de sa santé financière.",{"type":52,"content":178},[179],{"text":180,"type":56},"Le diagnostic financier peut être établi seul ou faire partie d'un diagnostic général de l'entreprise. S'ajoutent alors d'autres indicateurs, comme :",{"type":182,"content":183},"bullet_list",[184,191,197],{"type":185,"content":186},"list_item",[187],{"type":52,"content":188},[189],{"text":190,"type":56},"Les études sectorielles et concurrentielles, qui analysent le secteur et le marché sur lesquels l'entreprise évolue.",{"type":185,"content":192},[193],{"type":52,"content":194},[195],{"text":196,"type":56},"Le diagnostic social, qui reprend le tableau de bord des ressources humaines et qui fait un état des lieux des \"forces vives\" de l'entreprise.",{"type":185,"content":198},[199],{"type":52,"content":200},[201],{"text":202,"type":56},"Le diagnostic de production, qui se concentre sur l'outil de production, les investissements et l'utilisation effective (ou non) des immobilisations.",{"type":108,"attrs":204,"content":205},{"level":110},[206],{"text":207,"type":56},"Les objectifs du diagnostic financier",{"type":52,"content":209},[210],{"text":211,"type":56},"Le diagnostic financier doit permettre de répondre à un certain nombre de questions.",{"type":108,"attrs":213,"content":215},{"level":214},3,[216],{"text":217,"type":56},"1. Mon entreprise peut-elle faire face à ses obligations financières ?",{"type":52,"content":219},[220,222,226,228,241],{"text":221,"type":56},"L'analyse fonctionnelle du bilan aide à comprendre si l'entreprise est ",{"text":223,"type":56,"marks":224},"solvable",[225],{"type":106},{"text":227,"type":56}," ou non. L'analyse fonctionnelle se base sur les notions d'emplois et de ressources du bilan. L'idée est d'établir d'où provient l'argent de l'entreprise, et comment elle utilise ses ressources. Les emplois et les ressources sont classés par cycles : le cycle durable, qui compare investissements durables et ressources stables, le cycle d'exploitation, qui s'intéresse aux stocks, créances et dettes d'exploitation, le cycle hors exploitation, qui compare dettes et créances et le cycle de trésorerie. On comprend l'importance pour une entreprise d'établir un ",{"text":229,"type":56,"marks":230},"plan de trésorerie",[231],{"type":128,"attrs":232},{"href":233,"uuid":234,"anchor":59,"target":59,"linktype":131,"story":235},"plan-de-tresorerie-startup","0af0bd87-91c9-4c6a-8cf8-1f7ca9defc3e",{"name":236,"id":237,"uuid":234,"slug":238,"url":239,"full_slug":240,"_stopResolving":74},"Optimiser votre plan de trésorerie : méthodes et ressources des meilleurs DAF",208729747,"plan-de-tresorerie-entreprise","blog/plan-de-tresorerie-entreprise","fr/blog/plan-de-tresorerie-entreprise",{"text":242,"type":56}," !",{"type":108,"attrs":244,"content":245},{"level":214},[246],{"text":247,"type":56},"2. Mon entreprise est-elle rentable ?",{"type":52,"content":249},[250,252,266,268,274,276,280,282,286],{"text":251,"type":56},"L'analyse du ",{"text":253,"type":56,"marks":254},"compte de résultat",[255],{"type":128,"attrs":256},{"href":257,"uuid":258,"anchor":59,"target":259,"linktype":131,"story":260},"/blog/compte-de-resultat","8b8b6b57-a556-43c2-b823-5b077d351b3b","_self",{"name":261,"id":262,"uuid":258,"slug":263,"url":264,"full_slug":265,"_stopResolving":74},"Compte de résultat : savoir l’analyser et le piloter toute l’année",214317378,"compte-de-resultat","blog/compte-de-resultat","fr/blog/compte-de-resultat",{"text":267,"type":56}," permet de savoir si l'entreprise est rentable, en calculant les marges, le ",{"text":269,"type":56,"marks":270},"seuil de rentabilité",[271],{"type":128,"attrs":272},{"href":273,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.petite-entreprise.net/P-698-89-G1-seuil-de-rentabilite-et-point-mort-definition-et-calcul.html",{"text":275,"type":56}," et surtout la capacité d'autofinancement (CAF). L'analyse se fait notamment à partir des ",{"text":277,"type":56,"marks":278},"soldes intermédiaires de gestion",[279],{"type":106},{"text":281,"type":56}," (SIG), qui permettent de comprendre comment se forme le bénéfice (ou le déficit) d'une entreprise. Les SIG comportent plusieurs indicateurs-clés, comme la marge commerciale (ou la marge de production , selon la nature de l'activité), la valeur ajoutée - qui permet de calculer la richesse créée avant rémunération des salariés et des apporteurs en capitaux - et enfin l'Excédent Brut d'Exploitation, qui permet de savoir si l'activité génère à elle seule des ",{"text":283,"type":56,"marks":284},"excédents de trésorerie",[285],{"type":106},{"text":133,"type":56},{"type":108,"attrs":288,"content":289},{"level":214},[290],{"text":291,"type":56},"3. Mon entreprise est-elle correctement financée ?",{"type":52,"content":293},[294,296,300],{"text":295,"type":56},"L'étude des tableaux et plans de financement complète l'analyse et se révèle être un bon indicateur des perspectives de croissance de l'entreprise. Ainsi, les ",{"text":297,"type":56,"marks":298},"tableaux de financements",[299],{"type":106},{"text":301,"type":56},", qui peuvent être établis sur un ou plusieurs exercices passés, permettent de comprendre l'évolution de la structure du bilan d'une entreprise et donnent des indications sur la manière dont les ressources ont financé les emplois.",{"type":52,"content":303},[304,306,310,312,318],{"text":305,"type":56},"Le plan de financement est quant à lui un tableau prévisionnel de l'activité sur 4 ou 5 ans. Il est principalement destiné à évaluer les ",{"text":307,"type":56,"marks":308},"besoins en fonds de roulement",[309],{"type":106},{"text":311,"type":56}," (",{"text":313,"type":56,"marks":314},"BFR",[315],{"type":128,"attrs":316},{"href":317,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.l-expert-comptable.com/a/37381-qu-est-ce-que-le-besoin-en-fonds-de-roulement-bfr.html",{"text":319,"type":56},") ou en matériel d'une entreprise, et à déterminer comment ils seront financés.",{"type":52,"content":321},[322,324,328],{"text":323,"type":56},"L'estimation du BFR et de ses variations au cours d'un exercice est particulièrement critique, puisque c'est en fonction de cette estimation que l'on pourra déterminer le ",{"text":325,"type":56,"marks":326},"fonds de roulement net global",[327],{"type":106},{"text":329,"type":56}," (FRNG), qui représente la différence entre ressources stables et emplois stables, et si les capitaux propres suffisent ou s'il faudra augmenter les ressources stables via une augmentation de capital ou des emprunts à long terme.",{"type":52,"content":331},[332,334,346],{"text":333,"type":56},"En complément, cette analyse permet d'anticiper d'éventuels ",{"text":335,"type":56,"marks":336},"problèmes de trésorerie",[337],{"type":128,"attrs":338},{"href":339,"uuid":340,"anchor":59,"target":59,"linktype":131,"story":341},"gerer-anticiper-probleme-tresorerie","7a32f6e1-bdaa-48be-b525-357095002edd",{"name":342,"id":343,"uuid":340,"slug":339,"url":344,"full_slug":345,"_stopResolving":74},"7 astuces pour gérer et anticiper un problème de trésorerie",208729870,"blog/gerer-anticiper-probleme-tresorerie","fr/blog/gerer-anticiper-probleme-tresorerie",{"text":242,"type":56},{"type":108,"attrs":348,"content":349},{"level":110},[350],{"text":351,"type":56},"Un diagnostic en fonction d'objectifs précis",{"type":52,"content":353},[354],{"text":355,"type":56},"Le diagnostic financier doit être personnalisé et refléter les objectifs de l'entreprise. Pour cela, on complète l'analyse par le calcul de ratios afin de mieux évaluer la santé de l'entreprise. Les ratios permettent ainsi de confronter les performances de l'entreprise aux standards du secteur d'activité. Là encore, ils sont calculés à partir du bilan et du compte de résultat.",{"type":108,"attrs":357,"content":358},{"level":214},[359],{"text":360,"type":56},"Ex : Utiliser le bilan pour optimiser le financement votre entreprise",{"type":52,"content":362},[363],{"text":364,"type":56},"Le bilan permet ainsi de déterminer le ratio d'indépendance financière (capitaux propres/capitaux permanent), qui, s'il est trop faible, révèle une insuffisance de fonds propres. Le ratio de liquidité générale (actif circulant/passif circulant) montre, quand il est supérieur à 1, qu'une entreprise peut faire face à ses dettes à court terme.",{"type":52,"content":366},[367],{"text":368,"type":56},"Le ratio de couverture des emplois stables (capitaux permanents/actif immobilisé) montre si les ressources stables permettent - ou non - de financer le besoin en fonds de roulement. Il doit pour cela être supérieur à 1. Enfin, le bilan permet de calculer le ratio de vétusté (immobilisations corporelles nettes/immobilisations corporelles brutes), qui indique l'état de vieillissement de l'outil de production.",{"type":108,"attrs":370,"content":371},{"level":214},[372],{"text":373,"type":56},"Ex : Utiliser le compte de résultat pour optimiser l'efficacité de votre entreprise",{"type":52,"content":375},[376],{"text":377,"type":56},"Le compte de résultat sert de base au calcul du ratio de répartition de la valeur ajoutée, bien sûr. 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Abonnez-vous à notre newsletter pour rester informé.",[2306,2307],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2309],{"cta":2310,"_uid":2311,"items":2312,"heading":2432,"reverse":29,"component":573,"sectionSettings":2453},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2313,2373],{"_uid":2314,"title":2315,"component":521,"description":2316},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?",{"type":49,"content":2317},[2318,2322],{"type":52,"content":2319},[2320],{"text":2321,"type":56},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2323,"attrs":2324,"content":2327},"ordered_list",{"order":2325},{"order":2326},1,[2328,2340,2351],{"type":185,"content":2329},[2330],{"type":52,"content":2331},[2332,2336,2338],{"text":2333,"type":56,"marks":2334},"Les dépenses stratégiques",[2335],{"type":106},{"text":2337,"type":56}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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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":4034,"title":4035,"component":521,"description":4036},"697609ae-3213-4d0d-8fad-e5842bc2d8b5","Comment automatiser la catégorisation des charges directes et indirectes avec Spendesk ?",{"type":49,"content":4037},[4038],{"type":52,"content":4039},[4040],{"text":4041,"type":56},"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":4043,"title":4044,"component":521,"description":4045},"b9d2655a-5a65-476d-9a36-d7c3fb710286","Pourquoi une catégorisation correcte des charges est-elle importante pour la comptabilité ?",{"type":49,"content":4046},[4047],{"type":52,"content":4048},[4049],{"text":4050,"type":56},"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.",[4052],{"cta":4053,"_uid":4054,"title":4055,"eyebrow":4061,"subtitle":4064,"component":108,"textAlign":23,"sectionSettings":4067,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"55d6439e-2d6e-4d0b-811f-88833524e113",{"type":49,"content":4056},[4057],{"type":108,"attrs":4058,"content":4059},{"level":110},[4060],{"text":1167,"type":56},{"type":49,"content":4062},[4063],{"type":52},{"type":49,"content":4065},[4066],{"type":52},[],[4069],{"_uid":4070,"hide":29,"theme":577,"anchorId":23,"component":578,"spacingTop":23,"hideOnDevices":4071,"spacingBottom":23,"floatingImages":4072,"variableOverrides":4073},"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",[4082,4083,4084],{"path":4080,"name":59,"lang":65,"published":59},{"path":4080,"name":59,"lang":71,"published":59},{"path":4080,"name":59,"lang":73,"published":59},{"name":4086,"created_at":4087,"published_at":4088,"updated_at":4089,"id":4090,"uuid":4091,"content":4092,"slug":4211,"full_slug":4212,"sort_by_date":59,"position":4213,"tag_list":4214,"is_startpage":29,"parent_id":59,"meta_data":59,"group_id":4215,"first_published_at":4088,"release_id":59,"lang":65,"path":59,"alternates":4216,"default_full_slug":4211,"translated_slugs":4217},"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":4093,"title":4086,"topics":4094,"noIndex":29,"category":4103,"language":4112,"component":488,"heroMedia":4113,"publishedAt":3520,"redirectUrl":23,"listingImage":4120,"metaDescription":4121,"bottomArticleCta":4122,"componentsAfterTheArticle":4123},"eec835b2-3545-4b39-a855-06a20b5ffd72",[4095],{"name":77,"created_at":78,"published_at":6,"updated_at":79,"id":80,"uuid":81,"content":4096,"slug":85,"full_slug":86,"sort_by_date":59,"position":87,"tag_list":4097,"is_startpage":29,"parent_id":89,"meta_data":59,"group_id":90,"first_published_at":91,"release_id":59,"lang":65,"path":59,"alternates":4098,"default_full_slug":93,"translated_slugs":4099,"_stopResolving":74},{"_uid":83,"name":77,"component":84},[],[],[4100,4101,4102],{"path":93,"name":59,"lang":65,"published":59},{"path":93,"name":59,"lang":71,"published":59},{"path":93,"name":59,"lang":73,"published":59},{"name":476,"created_at":477,"published_at":6,"updated_at":478,"id":479,"uuid":480,"content":4104,"slug":488,"full_slug":489,"sort_by_date":59,"position":490,"tag_list":4106,"is_startpage":29,"parent_id":492,"meta_data":59,"group_id":493,"first_published_at":494,"release_id":59,"lang":65,"path":59,"alternates":4107,"default_full_slug":496,"translated_slugs":4108,"_stopResolving":74},{"_uid":482,"icon":4105,"name":476,"component":487},{"id":484,"alt":485,"name":23,"focus":23,"title":23,"filename":486,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4109,4110,4111],{"path":496,"name":59,"lang":65,"published":59},{"path":496,"name":59,"lang":71,"published":59},{"path":496,"name":59,"lang":73,"published":59},[65],[4114],{"_uid":4115,"asset":4116,"caption":23,"component":508},"ace26819-6228-4e11-b469-fc1e0e2d3464",{"id":4117,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4118,"copyright":23,"fieldtype":28,"meta_data":4119,"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.",[],[4124],{"cta":4125,"_uid":4126,"items":4127,"heading":4188,"reverse":29,"component":573,"sectionSettings":4210},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[4128,4138,4148,4158,4168,4178],{"_uid":4129,"hide":29,"title":4130,"component":521,"description":4131},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes coordonnées fournisseurs pour que le Verification of Payee ne bloque pas mes virements ?",{"type":49,"content":4132},[4133],{"type":52,"attrs":4134,"content":4135},{"textAlign":59},[4136],{"text":4137,"type":56},"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":4139,"hide":29,"title":4140,"component":521,"description":4141},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":49,"content":4142},[4143],{"type":52,"attrs":4144,"content":4145},{"textAlign":59},[4146],{"text":4147,"type":56},"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":4149,"hide":29,"title":4150,"component":521,"description":4151},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":49,"content":4152},[4153],{"type":52,"attrs":4154,"content":4155},{"textAlign":59},[4156],{"text":4157,"type":56},"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":4159,"hide":29,"title":4160,"component":521,"description":4161},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment le \"Verification of Payee\" aide-t-il à prévenir la fraude au virement fournisseur ?",{"type":49,"content":4162},[4163],{"type":52,"attrs":4164,"content":4165},{"textAlign":59},[4166],{"text":4167,"type":56},"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":4169,"hide":29,"title":4170,"component":521,"description":4171},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":49,"content":4172},[4173],{"type":52,"attrs":4174,"content":4175},{"textAlign":59},[4176],{"text":4177,"type":56},"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":4179,"hide":29,"title":4180,"component":521,"description":4181},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi un virement SEPA est-il rejeté quand le nom du bénéficiaire et l'IBAN ne correspondent pas ?",{"type":49,"content":4182},[4183],{"type":52,"attrs":4184,"content":4185},{"textAlign":59},[4186],{"text":4187,"type":56},"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.",[4189],{"cta":4190,"_uid":4191,"title":4192,"eyebrow":4199,"subtitle":4205,"component":108,"textAlign":23,"eyebrowPill":29,"flexibleSection":4208,"sectionSettings":4209,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":49,"content":4193},[4194],{"type":108,"attrs":4195,"content":4196},{"level":110,"textAlign":59},[4197],{"text":4198,"type":56},"Ce qu'on nous demande souvent",{"type":49,"content":4200},[4201],{"type":52,"attrs":4202,"content":4203},{"textAlign":59},[4204],{"text":1167,"type":56},{"type":49,"content":4206},[4207],{"type":52},[],[],[],"controle-iban-virement-fournisseur","fr/controle-iban-virement-fournisseur",-610,[],"4dbb530f-c571-46bf-b167-d00a36df77f2",[],[4218,4219,4220],{"path":4211,"name":59,"lang":65,"published":59},{"path":4211,"name":59,"lang":71,"published":59},{"path":4211,"name":59,"lang":73,"published":59},{"name":4222,"created_at":4223,"published_at":4224,"updated_at":4225,"id":4226,"uuid":4227,"content":4228,"slug":4345,"full_slug":4346,"sort_by_date":59,"position":4347,"tag_list":4348,"is_startpage":29,"parent_id":59,"meta_data":59,"group_id":4349,"first_published_at":4224,"release_id":59,"lang":65,"path":59,"alternates":4350,"default_full_slug":4345,"translated_slugs":4351},"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":4229,"title":4230,"topics":4231,"noIndex":29,"category":4256,"language":4265,"component":488,"heroMedia":4266,"publishedAt":4273,"redirectUrl":23,"listingImage":4274,"metaDescription":4275,"bottomArticleCta":4276,"componentsAfterTheArticle":4277},"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.",[],[4278],{"cta":4279,"_uid":4280,"items":4281,"heading":4322,"reverse":29,"component":573,"sectionSettings":4344},[],"befd26d7-efbc-4547-b962-adcc04f65826",[4282,4292,4302,4312],{"_uid":4283,"hide":29,"title":4284,"component":521,"description":4285},"ada4ffc1-fd17-4b8a-bc9f-9db853ed2f01","Que se passe-t-il si le code SWIFT est incorrect ?",{"type":49,"content":4286},[4287],{"type":52,"attrs":4288,"content":4289},{"textAlign":59},[4290],{"text":4291,"type":56},"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":4293,"hide":29,"title":4294,"component":521,"description":4295},"57fecd02-9c21-458f-9f48-8556cb56b75e","Peut-on retrouver un code BIC à partir d'un IBAN ?",{"type":49,"content":4296},[4297],{"type":52,"attrs":4298,"content":4299},{"textAlign":59},[4300],{"text":4301,"type":56},"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":4303,"hide":29,"title":4304,"component":521,"description":4305},"82995bda-869b-4d44-aa54-e554ae2a6798","Faut-il un code SWIFT pour un virement SEPA ?",{"type":49,"content":4306},[4307],{"type":52,"attrs":4308,"content":4309},{"textAlign":59},[4310],{"text":4311,"type":56},"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":4313,"hide":29,"title":4314,"component":521,"description":4315},"7a70cf01-14f7-4adc-9ffe-2b34b031d07a","Un code SWIFT et un code BIC, est-ce la même chose ?",{"type":49,"content":4316},[4317],{"type":52,"attrs":4318,"content":4319},{"textAlign":59},[4320],{"text":4321,"type":56},"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.",[4323],{"cta":4324,"_uid":4325,"title":4326,"eyebrow":4333,"subtitle":4339,"component":108,"textAlign":23,"eyebrowPill":29,"flexibleSection":4342,"sectionSettings":4343,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"5c7ee3aa-b512-4f5f-a8c7-d9581888b444",{"type":49,"content":4327},[4328],{"type":108,"attrs":4329,"content":4330},{"level":214,"textAlign":59},[4331],{"text":4332,"type":56},"Ce qu'on nous demande souvent sur le sujet",{"type":49,"content":4334},[4335],{"type":52,"attrs":4336,"content":4337},{"textAlign":59},[4338],{"text":1167,"type":56},{"type":49,"content":4340},[4341],{"type":52},[],[],[],"code-bic-swift","fr/code-bic-swift",-600,[],"37a887be-888a-435a-9935-7b987d21c4bd",[],[4352,4353,4354],{"path":4345,"name":59,"lang":65,"published":59},{"path":4345,"name":59,"lang":71,"published":59},{"path":4345,"name":59,"lang":73,"published":59},{"name":4356,"created_at":4357,"published_at":4358,"updated_at":4359,"id":4360,"uuid":4361,"content":4362,"slug":4487,"full_slug":4488,"sort_by_date":59,"position":4489,"tag_list":4490,"is_startpage":29,"parent_id":59,"meta_data":59,"group_id":4491,"first_published_at":4358,"release_id":59,"lang":65,"path":59,"alternates":4492,"default_full_slug":4487,"translated_slugs":4493},"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":4363,"title":4356,"topics":4364,"noIndex":29,"category":4389,"language":4398,"component":488,"heroMedia":4399,"publishedAt":4273,"redirectUrl":23,"listingImage":4400,"metaDescription":4407,"bottomArticleCta":4408,"componentsAfterTheArticle":4409},"a7868c7f-056d-4e7e-b938-12fb1b374287",[4365,4373,4381],{"name":77,"created_at":78,"published_at":6,"updated_at":79,"id":80,"uuid":81,"content":4366,"slug":85,"full_slug":86,"sort_by_date":59,"position":87,"tag_list":4367,"is_startpage":29,"parent_id":89,"meta_data":59,"group_id":90,"first_published_at":91,"release_id":59,"lang":65,"path":59,"alternates":4368,"default_full_slug":93,"translated_slugs":4369,"_stopResolving":74},{"_uid":83,"name":77,"component":84},[],[],[4370,4371,4372],{"path":93,"name":59,"lang":65,"published":59},{"path":93,"name":59,"lang":71,"published":59},{"path":93,"name":59,"lang":73,"published":59},{"name":2554,"created_at":2555,"published_at":6,"updated_at":2556,"id":2557,"uuid":2558,"content":4374,"slug":2561,"full_slug":2562,"sort_by_date":59,"position":60,"tag_list":4375,"is_startpage":29,"parent_id":89,"meta_data":59,"group_id":2564,"first_published_at":2565,"release_id":59,"lang":65,"path":59,"alternates":4376,"default_full_slug":2567,"translated_slugs":4377,"_stopResolving":74},{"_uid":2560,"name":2554,"component":84},[],[],[4378,4379,4380],{"path":2567,"name":59,"lang":65,"published":59},{"path":2567,"name":59,"lang":71,"published":59},{"path":2567,"name":59,"lang":73,"published":59},{"name":2731,"created_at":2732,"published_at":6,"updated_at":2733,"id":2734,"uuid":2735,"content":4382,"slug":2738,"full_slug":2739,"sort_by_date":59,"position":2740,"tag_list":4383,"is_startpage":29,"parent_id":89,"meta_data":59,"group_id":2742,"first_published_at":2743,"release_id":59,"lang":65,"path":59,"alternates":4384,"default_full_slug":2745,"translated_slugs":4385,"_stopResolving":74},{"_uid":2737,"name":2731,"component":84},[],[],[4386,4387,4388],{"path":2745,"name":59,"lang":65,"published":59},{"path":2745,"name":59,"lang":71,"published":59},{"path":2745,"name":59,"lang":73,"published":59},{"name":476,"created_at":477,"published_at":6,"updated_at":478,"id":479,"uuid":480,"content":4390,"slug":488,"full_slug":489,"sort_by_date":59,"position":490,"tag_list":4392,"is_startpage":29,"parent_id":492,"meta_data":59,"group_id":493,"first_published_at":494,"release_id":59,"lang":65,"path":59,"alternates":4393,"default_full_slug":496,"translated_slugs":4394,"_stopResolving":74},{"_uid":482,"icon":4391,"name":476,"component":487},{"id":484,"alt":485,"name":23,"focus":23,"title":23,"filename":486,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4395,4396,4397],{"path":496,"name":59,"lang":65,"published":59},{"path":496,"name":59,"lang":71,"published":59},{"path":496,"name":59,"lang":73,"published":59},[65],[],[4401],{"_uid":4402,"asset":4403,"caption":23,"component":508},"94df491d-5b57-475b-8e2b-9c0b9ab36ef4",{"id":4404,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4405,"copyright":23,"fieldtype":28,"meta_data":4406,"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.",[],[4410],{"cta":4411,"_uid":4412,"items":4413,"heading":4464,"reverse":29,"component":573,"sectionSettings":4486},[],"9f4994c7-e987-48cd-867e-6140b39dc84b",[4414,4424,4434,4444,4454],{"_uid":4415,"hide":29,"title":4416,"component":521,"description":4417},"dc08235c-92a3-471e-aa7d-ec72d6c3465a","Comment traduire “cash flow” en français ?",{"type":49,"content":4418},[4419],{"type":52,"attrs":4420,"content":4421},{"textAlign":59},[4422],{"text":4423,"type":56},"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":4425,"hide":29,"title":4426,"component":521,"description":4427},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":49,"content":4428},[4429],{"type":52,"attrs":4430,"content":4431},{"textAlign":59},[4432],{"text":4433,"type":56},"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":4435,"hide":29,"title":4436,"component":521,"description":4437},"fac9d191-26a7-42b8-9fb3-710f4fadaf2f","Le cash flow peut-il être négatif sans que l’entreprise soit en danger ?",{"type":49,"content":4438},[4439],{"type":52,"attrs":4440,"content":4441},{"textAlign":59},[4442],{"text":4443,"type":56},"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":4445,"hide":29,"title":4446,"component":521,"description":4447},"dffc6104-d8ea-46ae-be7d-9e2bb991e7bd","Quelle est la différence entre cash flow et résultat net ?",{"type":49,"content":4448},[4449],{"type":52,"attrs":4450,"content":4451},{"textAlign":59},[4452],{"text":4453,"type":56},"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":4455,"hide":29,"title":4456,"component":521,"description":4457},"985e7d6f-893a-4760-802c-0b331a306fdf","Quelle est la formule du cash flow ?",{"type":49,"content":4458},[4459],{"type":52,"attrs":4460,"content":4461},{"textAlign":59},[4462],{"text":4463,"type":56},"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.",[4465],{"cta":4466,"_uid":4467,"title":4468,"eyebrow":4475,"subtitle":4481,"component":108,"textAlign":23,"eyebrowPill":29,"flexibleSection":4484,"sectionSettings":4485,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"d6f717fc-977e-4c61-950c-2eb5456901dc",{"type":49,"content":4469},[4470],{"type":108,"attrs":4471,"content":4472},{"level":110,"textAlign":59},[4473],{"text":4474,"type":56},"Les questions qu'on nous pose souvent",{"type":49,"content":4476},[4477],{"type":52,"attrs":4478,"content":4479},{"textAlign":59},[4480],{"text":1167,"type":56},{"type":49,"content":4482},[4483],{"type":52},[],[],[],"cash-flow-tout-comprendre","fr/cash-flow-tout-comprendre",-590,[],"1c0c0162-e38a-46c7-a692-721ee303aedb",[],[4494,4495,4496],{"path":4487,"name":59,"lang":65,"published":59},{"path":4487,"name":59,"lang":71,"published":59},{"path":4487,"name":59,"lang":73,"published":59},[4498,4499,4500,4501],["Reactive",4221],["Reactive",3929],["Reactive",3372],["Reactive",2997],1781949702380]