[{"data":1,"prerenderedAt":4809},["ShallowReactive",2],{"fr-blog/comptabiliser-factures-acompte-avoirs-paiements-partiels":3,"fr-global-content":693,"fr-article-global-content":2022,"fr-blog-article-more-articles-4668b877-0b51-432a-8e0b-149cbe020955":2274,"fr-blog-article-more-articles-217490540047696":4804},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":681,"full_slug":682,"sort_by_date":52,"position":683,"tag_list":684,"is_startpage":26,"parent_id":685,"meta_data":52,"group_id":686,"first_published_at":6,"release_id":52,"lang":65,"path":52,"alternates":687,"default_full_slug":688,"translated_slugs":689},"Comment comptabiliser les factures d'acompte, avoirs et paiements partiels fournisseurs ?","2026-09-07T13:31:16.367Z","2026-09-07T13:31:16.439Z","2026-09-07T13:31:16.462Z",217490540047696,"7e5131b8-598f-4778-b984-2fa950f920ce",{"_uid":11,"roles":12,"title":4,"author":13,"topics":74,"content":133,"noIndex":26,"category":543,"language":570,"component":557,"heroMedia":571,"metaTitle":572,"sidebarCta":573,"publishedAt":24,"readingTime":574,"redirectUrl":24,"listingImage":575,"metaDescription":576,"bottomArticleCta":577,"componentsAfterTheArticle":578},"c11f2c7e-18ea-45ca-8fe1-18bffc3ff2b9",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":58,"full_slug":59,"sort_by_date":52,"position":60,"tag_list":61,"is_startpage":26,"parent_id":62,"meta_data":52,"group_id":63,"first_published_at":64,"release_id":52,"lang":65,"path":52,"alternates":66,"default_full_slug":67,"translated_slugs":68,"_stopResolving":38},"Maxime Reding","2026-03-17T08:39:44.277Z","2026-04-28T15:28:02.354Z","2026-04-28T15:28:02.367Z",155841266825828,"30784b49-7d4f-4209-ab52-8ffb11664c7d",{"_uid":21,"links":22,"picture":39,"lastName":43,"component":44,"firstName":45,"description":46},"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[23],{"tag":24,"_uid":25,"hide":26,"icon":27,"link":32,"type":24,"label":24,"style":36,"component":37,"mobileLabel":24,"onClickEvent":24,"openInANewTab":38,"horizontalFill":26},"","4ba61fb6-4159-4585-93bd-76c8eacb7945",false,{"id":28,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":29,"copyright":24,"fieldtype":30,"meta_data":31,"is_external_url":26},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{},{"id":24,"url":33,"linktype":34,"fieldtype":35,"cached_url":33},"https://www.linkedin.com/in/maxime-reding-0777b7172/","url","multilink","primary","cta",true,{"id":40,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":41,"copyright":24,"fieldtype":30,"meta_data":42,"is_external_url":26},155841634553012,"https://a.storyblok.com/f/146026/512x512/cf0a8b2f08/t3hl6t4qp-u02bu4jb4d8-a93da9d1f60a-512.png",{},"Reding","author","Maxime",{"type":47,"content":48},"doc",[49],{"type":50,"attrs":51,"content":54},"paragraph",{"textAlign":52,"key":53},null,"p-0",[55],{"text":56,"type":57},"Originaire du Luxembourg et diplômé de la Rotterdam School of Management, il apporte un esprit analytique aigu et une expérience en gestion stratégique à notre équipe financière. Maxime a rejoint Spendesk en 2021 et a progressé régulièrement dans les rangs depuis, devenant notre ingénieur financier résident.","text","maxime-reding","fr/blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z","fr",[],"blog/author/maxime-reding",[69,70,72],{"path":67,"name":52,"lang":65,"published":52},{"path":67,"name":52,"lang":71,"published":52},"de",{"path":67,"name":52,"lang":73,"published":52},"es",[75,106],{"name":76,"created_at":77,"published_at":78,"updated_at":79,"id":80,"uuid":81,"content":82,"slug":93,"full_slug":94,"sort_by_date":52,"position":95,"tag_list":96,"is_startpage":26,"parent_id":97,"meta_data":52,"group_id":98,"first_published_at":99,"release_id":52,"lang":65,"path":52,"alternates":100,"default_full_slug":101,"translated_slugs":102,"_stopResolving":38},"Facturas","2023-04-12T07:18:47.128Z","2026-09-29T09:14:29.303Z","2026-09-29T09:14:29.321Z",290528753,"4668b877-0b51-432a-8e0b-149cbe020955",{"seo":83,"_uid":91,"name":76,"component":92},[84],{"_uid":85,"noIndex":26,"component":86,"metaFields":87},"839d8efc-7d4e-49fa-8d71-15dd1a67b56a","seo",{"_uid":88,"plugin":89,"description":90},"edc91a7f-a4bd-46d6-9fdf-b754d326e82b","meta-fields","Todo sobre la gestion de facturas: recepcion, aprobacion y pago de facturas de proveedores con menos trabajo manual.","a2c58a16-f495-475f-951f-05171468aae4","tag","facturas","fr/blog/topic/facturas",-530,[],176456153,"af2726b3-27fb-42ea-8a1d-7ab712b95c87","2022-11-02T15:24:39.815Z",[],"blog/topic/facturas",[103,104,105],{"path":101,"name":52,"lang":65,"published":52},{"path":101,"name":52,"lang":71,"published":52},{"path":101,"name":52,"lang":73,"published":52},{"name":107,"created_at":108,"published_at":109,"updated_at":110,"id":111,"uuid":112,"content":113,"slug":121,"full_slug":122,"sort_by_date":52,"position":123,"tag_list":124,"is_startpage":26,"parent_id":97,"meta_data":52,"group_id":125,"first_published_at":126,"release_id":52,"lang":65,"path":52,"alternates":127,"default_full_slug":128,"translated_slugs":129,"_stopResolving":38},"Factures fournisseurs","2022-10-19T17:58:01.385Z","2026-09-29T09:14:39.933Z","2026-09-29T09:14:39.952Z",206171450,"94774a96-2374-4adf-91ae-2a21cf281282",{"seo":114,"_uid":120,"name":107,"component":92},[115],{"_uid":116,"noIndex":26,"component":86,"metaFields":117},"db3a239b-3411-46e8-9481-b9e1d033ab1f",{"_uid":118,"plugin":89,"description":119},"614aea8a-8e7f-4010-b498-962aa8aba15e","Factures fournisseurs : reception, validation et paiement, pour un traitement plus rapide et moins de saisie manuelle.","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",[130,131,132],{"path":128,"name":52,"lang":65,"published":52},{"path":128,"name":52,"lang":71,"published":52},{"path":128,"name":52,"lang":73,"published":52},{"type":47,"content":134},[135,140,146,153,159,172,183,195,211,216,222,234,254,259,265,293,307,313,318,323,337,356,361,366,379,390,395,400,405,410,415,428,433,446,459,472,477,482,524,529],{"type":50,"attrs":136,"content":137},{"textAlign":52,"key":53},[138],{"text":139,"type":57},"Votre chaîne de traitement fournisseurs tourne sans accroc tant qu'il s'agit d'une facture standard : réception, rapprochement avec le bon de commande, validation, paiement, écriture. Puis trois pièces viennent gripper la mécanique. Une facture d'acompte arrive avant toute livraison. Un avoir corrige une facture déjà enregistrée. Et une facture, vous ne la réglez qu'en partie, le solde suivant plus tard. Chacune sort du flux normal et vous oblige à reprendre la main manuellement, souvent au pire moment, en pleine clôture.",{"type":50,"attrs":141,"content":143},{"textAlign":52,"key":142},"p-1",[144],{"text":145,"type":57},"Ce guide détaille l'écriture exacte pour chacune de ces pièces, son impact sur la TVA déductible, et la façon de les traiter sans qu'elles ne fassent dérailler votre clôture.",{"type":147,"attrs":148,"content":150},"heading",{"level":149,"textAlign":52},2,[151],{"text":152,"type":57},"Trois documents fournisseurs qui sortent du flux standard",{"type":50,"attrs":154,"content":156},{"textAlign":52,"key":155},"p-2",[157],{"text":158,"type":57},"Ces trois pièces ont un point commun : elles ne se comptabilisent pas comme une facture ordinaire, parce qu'elles ne correspondent pas à une charge simple à constater. Comprendre ce que vous enregistrez réellement évite l'erreur de compte la plus fréquente.",{"type":50,"attrs":160,"content":162},{"textAlign":52,"key":161},"p-3",[163,165,170],{"text":164,"type":57},"La ",{"text":166,"type":57,"marks":167},"facture d'acompte",[168],{"type":169},"bold",{"text":171,"type":57}," matérialise un paiement partiel demandé par le fournisseur avant la livraison ou l'exécution de la prestation. Vous versez de l'argent sans avoir encore reçu de charge à comptabiliser : ce n'est donc pas une dépense, mais une avance. À distinguer des arrhes, qui ouvrent une faculté de dédit ; l'acompte, lui, engage fermement les deux parties.",{"type":50,"attrs":173,"content":175},{"textAlign":52,"key":174},"p-4",[176,177,181],{"text":164,"type":57},{"text":178,"type":57,"marks":179},"facture d'avoir",[180],{"type":169},{"text":182,"type":57}," est une note de crédit émise par le fournisseur. Le terme « note de crédit » est simplement l'appellation internationale de l'avoir : les deux désignent la même pièce, qui réduit une somme que vous deviez. Elle corrige une erreur de facturation, acte un retour de marchandise ou accorde une remise après coup.",{"type":50,"attrs":184,"content":186},{"textAlign":52,"key":185},"p-5",[187,189,193],{"text":188,"type":57},"Le ",{"text":190,"type":57,"marks":191},"paiement partiel",[192],{"type":169},{"text":194,"type":57},", enfin, n'est pas un document reçu mais un mode de règlement : vous fractionnez le paiement d'une facture unique en plusieurs versements. La facture reste due dans son intégralité, seul le rythme de décaissement change.",{"type":50,"attrs":196,"content":198},{"textAlign":52,"key":197},"p-6",[199,201,209],{"text":200,"type":57},"Un comptable qui ouvre son courrier du matin et tombe sur une facture d'acompte et un avoir ne rattachant aucune ligne à un bon de commande existant sait déjà que ces deux pièces lui prendront plus de temps que les dix ",{"text":202,"type":57,"marks":203},"factures classiques",[204],{"type":205,"attrs":206},"link",{"href":207,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/factures-fournisseurs/","_blank",{"text":210,"type":57}," posées à côté.",{"type":147,"attrs":212,"content":213},{"level":149,"textAlign":52},[214],{"text":215,"type":57},"Comment comptabiliser une facture d'acompte ?",{"type":147,"attrs":217,"content":219},{"level":218,"textAlign":52},3,[220],{"text":221,"type":57},"L'acompte se comptabilise en avance au compte 4091, jamais en charge",{"type":50,"attrs":223,"content":225},{"textAlign":52,"key":224},"p-7",[226,228,232],{"text":227,"type":57},"Comptabiliser un acompte versé, c'est enregistrer une avance, jamais une charge : la somme transite par le compte ",{"text":229,"type":57,"marks":230},"4091 « Fournisseurs, Avances et acomptes versés sur commandes »",[231],{"type":169},{"text":233,"type":57},", et non par un compte de classe 6. C'est la règle qui structure toute l'opération.",{"type":50,"attrs":235,"content":237},{"textAlign":52,"key":236},"p-8",[238,240,244,246,252],{"text":239,"type":57},"Au moment du règlement de l'acompte, vous débitez le 4091 pour la part hors taxes et le compte ",{"text":241,"type":57,"marks":242},"44566 « TVA déductible sur autres biens et services »",[243],{"type":169},{"text":245,"type":57}," pour la taxe, en contrepartie du compte 512. Depuis le 1er janvier 2023, la TVA sur un acompte versé pour une livraison de biens devient ",{"text":247,"type":57,"marks":248},"exigible dès l'encaissement",[249],{"type":205,"attrs":250},{"href":251,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://entreprendre.service-public.gouv.fr/actualites/A16122",{"text":253,"type":57},", comme c'était déjà le cas pour les prestations de services : vous pouvez donc la déduire immédiatement, à condition de détenir une facture d'acompte qui la mentionne. Sans cette facture, pas de déduction anticipée.",{"type":147,"attrs":255,"content":256},{"level":218,"textAlign":52},[257],{"text":258,"type":57},"Les écritures : du versement de l'acompte au solde sur la facture définitive",{"type":50,"attrs":260,"content":262},{"textAlign":52,"key":261},"p-9",[263],{"text":264,"type":57},"Prenons une commande de fournitures de 1 200 € HT, soit 1 440 € TTC avec une TVA à 20 %. Le fournisseur réclame un acompte de 360 € TTC. À son versement, l'écriture est la suivante :",{"type":266,"content":267},"bullet_list",[268,277,285],{"type":269,"content":270},"list_item",[271],{"type":50,"attrs":272,"content":274},{"textAlign":52,"key":273},"p-10",[275],{"text":276,"type":57},"Débit 4091 : 300 € (part HT de l'acompte)",{"type":269,"content":278},[279],{"type":50,"attrs":280,"content":282},{"textAlign":52,"key":281},"p-11",[283],{"text":284,"type":57},"Débit 44566 : 60 € (TVA déductible sur l'acompte)",{"type":269,"content":286},[287],{"type":50,"attrs":288,"content":290},{"textAlign":52,"key":289},"p-12",[291],{"text":292,"type":57},"Crédit 512 : 360 €",{"type":50,"attrs":294,"content":296},{"textAlign":52,"key":295},"p-13",[297,299,305],{"text":298,"type":57},"À réception de la facture définitive, vous comptabilisez la charge complète et la TVA totale, puis vous ",{"text":300,"type":57,"marks":301},"soldez l'acompte",[302],{"type":205,"attrs":303},{"href":304,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.compta-online.com/essentiel-savoir-sur-la-facture-acompte-ao2824",{"text":306,"type":57},". Vous débitez le compte 607 pour 1 200 €, le 44566 pour 240 €, et vous créditez le 401 pour 1 440 €. Vous débitez ensuite le 401 de 360 €, en créditant le 4091 pour 300 € et le 44566 pour 60 €, afin d'annuler la TVA déjà déduite.",{"type":50,"attrs":308,"content":310},{"textAlign":52,"key":309},"p-14",[311],{"text":312,"type":57},"Il ne reste alors que 1 080 € à régler au fournisseur, et votre TVA déductible totale s'établit bien à 240 €, sans double emploi.",{"type":147,"attrs":314,"content":315},{"level":149,"textAlign":52},[316],{"text":317,"type":57},"L'avoir fournisseur s'enregistre en sens inverse de la facture",{"type":50,"attrs":319,"content":320},{"textAlign":52,"key":53},[321],{"text":322,"type":57},"Comptabiliser un avoir revient à inscrire l'exact opposé de la facture qu'il corrige : ce qui avait été crédité est débité, et inversement. La logique est mécanique une fois qu'on la tient.",{"type":50,"attrs":324,"content":325},{"textAlign":52,"key":142},[326,328,335],{"text":327,"type":57},"Concrètement, vous débitez le compte ",{"text":329,"type":57,"marks":330},"401 « Fournisseurs »",[331,332],{"type":169},{"type":205,"attrs":333},{"href":334,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/glossaire/compte-401/",{"text":336,"type":57}," pour le montant TTC de l'avoir, puis vous créditez le compte de charge concerné (classe 60x) pour la part hors taxes et le 44566 pour la TVA déductible, que vous reprenez ainsi à hauteur de l'avoir.",{"type":50,"attrs":338,"content":339},{"textAlign":52,"key":155},[340,342,348,350,354],{"text":341,"type":57},"La nature de l'avoir oriente le compte de charge à mouvementer. Un ",{"text":343,"type":57,"marks":344},"avoir commercial",[345],{"type":205,"attrs":346},{"href":347,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.l-expert-comptable.com/a/534043-rabais-remise-et-ristourne-notion-et-comptabilisation.html",{"text":349,"type":57}," portant sur un rabais, une remise ou une ristourne passe par le compte ",{"text":351,"type":57,"marks":352},"609 « Rabais, remises et ristournes obtenus sur achats »",[353],{"type":169},{"text":355,"type":57},", tandis qu'un avoir sur retour de marchandises vient réduire le compte d'achat d'origine.",{"type":50,"attrs":357,"content":358},{"textAlign":52,"key":161},[359],{"text":360,"type":57},"Supposons qu'un fournisseur, après une surfacturation, vous adresse un avoir de 150 € HT, soit 180 € TTC. Vous débitez le 401 de 180 €, créditez le compte de charge de 150 € et le 44566 de 30 €. L'avoir vient alors en déduction de la prochaine facture du même fournisseur, ou donne lieu à un remboursement si aucune facture ne suit. Dans les deux cas, l'écriture reste la même ; seul le dénouement de trésorerie diffère.",{"type":147,"attrs":362,"content":363},{"level":149,"textAlign":52},[364],{"text":365,"type":57},"Provisionner un avoir à établir avant la clôture",{"type":50,"attrs":367,"content":368},{"textAlign":52,"key":174},[369,371,377],{"text":370,"type":57},"Quand un avoir vous est dû mais n'est pas encore parvenu à la ",{"text":372,"type":57,"marks":373},"date de clôture",[374],{"type":205,"attrs":375},{"href":376,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/processus-cloture-mensuelle-comptable/",{"text":378,"type":57},", vous devez le provisionner pour que la période reflète la réduction acquise. C'est le rôle de l'avoir à établir (AAE), qui rattache la ristourne au bon exercice sans attendre le document du fournisseur.",{"type":50,"attrs":380,"content":381},{"textAlign":52,"key":185},[382,384,388],{"text":383,"type":57},"L'écriture crédite le compte ",{"text":385,"type":57,"marks":386},"4098 « Fournisseurs, Autres avoirs non encore reçus »",[387],{"type":169},{"text":389,"type":57}," et débite le compte de charge à obtenir, généralement le 609 pour les rabais, remises et ristournes. Vous n'enregistrez que le montant hors taxes : la TVA reste en suspens jusqu'à la réception de l'avoir réel, puisque son exigibilité n'est pas encore acquise. À l'ouverture de l'exercice suivant, vous contrepassez cette écriture, puis vous comptabilisez l'avoir définitif dès qu'il arrive, TVA comprise cette fois.",{"type":50,"attrs":391,"content":392},{"textAlign":52,"key":197},[393],{"text":394,"type":57},"Au 31 décembre, imaginez une ristourne de fin d'année de 800 € HT négociée avec un fournisseur mais qu'il n'a pas encore facturée. Vous débitez le 609 de 800 € et créditez le 4098 du même montant : votre résultat intègre la remise sur le bon exercice, même si la pièce justificative ne suivra qu'en janvier. Sans cette provision, vous surestimeriez vos charges de l'année et fausseriez la comparaison entre exercices.",{"type":147,"attrs":396,"content":397},{"level":149,"textAlign":52},[398],{"text":399,"type":57},"Le paiement partiel laisse le solde ouvert au compte 401",{"type":50,"attrs":401,"content":402},{"textAlign":52,"key":224},[403],{"text":404,"type":57},"Une facture réglée en plusieurs fois reste comptabilisée en totalité dès sa réception : le fractionnement ne concerne que le décaissement, jamais le montant de la dette. La facture est donc créditée au 401 pour son TTC complet, comme n'importe quelle autre.",{"type":50,"attrs":406,"content":407},{"textAlign":52,"key":236},[408],{"text":409,"type":57},"Chaque versement se traduit ensuite par un débit du 401 à hauteur de la somme payée, en contrepartie du 512. Le solde non réglé demeure au crédit du 401, où il constitue le reste à payer du fournisseur. Le lettrage partiel relie chaque paiement à la facture d'origine, de sorte que vous voyez d'un coup d'œil ce qui reste dû sur chaque pièce.",{"type":50,"attrs":411,"content":412},{"textAlign":52,"key":261},[413],{"text":414,"type":57},"Sur une facture de 6 000 € TTC dont vous versez 2 400 € immédiatement, vous débitez le 401 de 2 400 € et créditez le 512 d'autant ; les 3 600 € restants patientent au 401 jusqu'à l'échéance à 30 jours.",{"type":50,"attrs":416,"content":417},{"textAlign":52,"key":273},[418,420,426],{"text":419,"type":57},"Le vrai risque n'est pas l'écriture, qui est simple, mais le suivi. Quand des dizaines de ",{"text":421,"type":57,"marks":422},"factures fournisseurs",[423],{"type":205,"attrs":424},{"href":425,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/processus-de-traitement-des-factures-fournisseurs/",{"text":427,"type":57}," sont ouvertes avec des soldes partiels, retrouver le reste à payer exact de chacune tourne vite au casse-tête entre le relevé bancaire et le grand livre. C'est précisément là qu'un outil de gestion des factures comme Spendesk aide, en rattachant chaque paiement à sa facture et en affichant le reste à payer par fournisseur : un règlement partiel ne se perd plus entre la banque et la comptabilité.",{"type":147,"attrs":429,"content":430},{"level":149,"textAlign":52},[431],{"text":432,"type":57},"Garder ces pièces sous contrôle jusqu'à la clôture",{"type":50,"attrs":434,"content":435},{"textAlign":52,"key":281},[436,438,444],{"text":437,"type":57},"Acomptes, avoirs et paiements partiels concentrent l'essentiel de la saisie manuelle en ",{"text":439,"type":57,"marks":440},"comptabilité fournisseurs",[441],{"type":205,"attrs":442},{"href":443,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/comptabilite-fournisseur/",{"text":445,"type":57},", parce que chacun échappe au traitement automatique de la facture standard. Les garder sous contrôle, c'est d'abord capturer et rapprocher chaque justificatif au fil de l'eau, plutôt que de les reconstituer sous la pression de la clôture.",{"type":50,"attrs":447,"content":448},{"textAlign":52,"key":289},[449,451,457],{"text":450,"type":57},"La conservation obéit à deux délais : 6 ans au titre du délai fiscal de reprise, ",{"text":452,"type":57,"marks":453},"10 ans pour les pièces comptables des sociétés commerciales",[454],{"type":205,"attrs":455},{"href":456,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://bpifrance-creation.fr/encyclopedie/gerer-lentreprise/gestion-commerciale-administrative-documentaire/duree-conservation",{"text":458,"type":57},", conformément aux exigences de la DGFiP. 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Concrètement, une clôture bloquée par trois acomptes ouverts et deux avoirs en attente cesse d'être une soirée perdue à rapprocher chaque pièce à la main.",{"type":147,"attrs":478,"content":479},{"level":149,"textAlign":52},[480],{"text":481,"type":57},"Points clés à retenir",{"type":266,"content":483},[484,492,500,508,516],{"type":269,"content":485},[486],{"type":50,"attrs":487,"content":489},{"textAlign":52,"key":488},"p-15",[490],{"text":491,"type":57},"Un acompte versé se comptabilise au compte 4091, jamais en charge ; sa TVA se déduit via le 44566 dès l'encaissement depuis 2023, à condition de détenir une facture d'acompte la mentionnant.",{"type":269,"content":493},[494],{"type":50,"attrs":495,"content":497},{"textAlign":52,"key":496},"p-16",[498],{"text":499,"type":57},"Un avoir fournisseur, ou note de crédit, s'enregistre en sens inverse de la facture : débit du 401, crédit du compte de charge et de la TVA déductible.",{"type":269,"content":501},[502],{"type":50,"attrs":503,"content":505},{"textAlign":52,"key":504},"p-17",[506],{"text":507,"type":57},"Un avoir attendu mais non reçu à la clôture se provisionne en avoir à établir au compte 4098, puis se contrepasse à l'ouverture de l'exercice suivant.",{"type":269,"content":509},[510],{"type":50,"attrs":511,"content":513},{"textAlign":52,"key":512},"p-18",[514],{"text":515,"type":57},"Une facture réglée en plusieurs fois reste comptabilisée en totalité au 401 ; chaque paiement partiel se lettre au fur et à mesure et laisse le solde ouvert.",{"type":269,"content":517},[518],{"type":50,"attrs":519,"content":521},{"textAlign":52,"key":520},"p-19",[522],{"text":523,"type":57},"Ces pièces non standards sont la principale source de saisie manuelle ; les centraliser et les conserver de 6 à 10 ans sécurise la clôture et un éventuel contrôle de la DGFiP.",{"type":147,"attrs":525,"content":526},{"level":149,"textAlign":52},[527],{"text":528,"type":57},"Reprenez le contrôle de votre comptabilité fournisseurs",{"type":50,"attrs":530,"content":532},{"textAlign":52,"key":531},"p-20",[533,535,541],{"text":534,"type":57},"Acomptes, avoirs et paiements partiels n'ont pas à transformer chaque clôture en course contre la montre. 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La seule condition est de détenir une facture d'acompte mentionnant explicitement la TVA.",{"_uid":624,"title":625,"component":585,"description":626},"ab4f9bc8-211d-4b44-aba3-d0c97857391e","Que se passe-t-il si l'acompte versé dépasse le montant de la facture définitive ?",{"type":47,"content":627},[628],{"type":50,"attrs":629,"content":630},{"textAlign":52,"key":53},[631,633,639,641,647,649,655],{"text":632,"type":57},"Après imputation du compte 4091 sur le compte 401, le compte fournisseur présente un ",{"text":634,"type":57,"marks":635},"solde débiteur",[636],{"type":205,"attrs":637},{"href":638,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.controledegestion.org/comptabilite/compte-409/",{"text":640,"type":57}," : le fournisseur devient débiteur à hauteur du trop-versé. Par exemple, un acompte de 360 € versé pour une facture définitive de 300 € laisse 60 € de trop-versé en créance au compte 401. 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ce que vous lisez ?",[2086],{"cta":2087,"_uid":2102,"image":2103,"title":2105,"subtitle":2119,"component":2055},[2088],{"tag":24,"_uid":2089,"hide":26,"icon":2090,"link":2092,"type":24,"label":2100,"style":36,"component":37,"mobileLabel":24,"onClickEvent":2101,"openInANewTab":26,"horizontalFill":26},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":52,"alt":52,"name":24,"focus":52,"title":52,"source":52,"filename":24,"copyright":52,"fieldtype":30,"meta_data":2091},{},{"id":2093,"url":24,"linktype":724,"fieldtype":35,"cached_url":2094,"prep":38,"story":2095},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/fr/platform-tour",{"name":2096,"id":2097,"uuid":2093,"slug":2098,"url":2098,"full_slug":2099,"_stopResolving":38},"Platform tour",413550505,"platform-tour","fr/platform-tour","Voir la démo 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Abonnez-vous à notre newsletter pour rester informé.",[2125,2126],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2128],{"cta":2129,"_uid":2130,"items":2131,"heading":2251,"reverse":26,"component":680,"sectionSettings":2272},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2132,2192],{"_uid":2133,"title":2134,"component":585,"description":2135},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?",{"type":47,"content":2136},[2137,2141],{"type":50,"content":2138},[2139],{"text":2140,"type":57},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2142,"attrs":2143,"content":2146},"ordered_list",{"order":2144},{"order":2145},1,[2147,2159,2170],{"type":269,"content":2148},[2149],{"type":50,"content":2150},[2151,2155,2157],{"text":2152,"type":57,"marks":2153},"Les dépenses stratégiques",[2154],{"type":169},{"text":2156,"type":57}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. Elles peuvent être gérées au moyen de factures, virements électroniques et bons de commande.",{"type":2158},"hard_break",{"type":269,"content":2160},[2161],{"type":50,"content":2162},[2163,2167,2169],{"text":2164,"type":57,"marks":2165},"Les dépenses opérationnelles",[2166],{"type":169},{"text":2168,"type":57}," sont également centralisées, mais les dépenses sont effectuées par les gestionnaires et les employés dans leur vie professionnelle de façon quotidienne. Elles comprennent les achats par carte, abonnements, campagnes digitales, événements, commandes diverses pour le bureau ou encore les voyages d'affaires.",{"type":2158},{"type":269,"content":2171},[2172],{"type":50,"content":2173},[2174,2178,2180,2181,2182,2184,2185,2186,2188,2189,2190],{"text":2175,"type":57,"marks":2176},"Les autres frais",[2177],{"type":169},{"text":2179,"type":57},", contrairement aux dépenses stratégiques et opérationnelles, représentent un nombre important de petits achats qui peuvent être difficiles à suivre. Il s'agit notamment des paiements par carte, demandes de remboursement des dépenses terrains et des frais de déplacement.",{"type":2158},{"type":2158},{"text":2183,"type":57},"La gestion des dépenses est le processus par lequel les entreprises gèrent toutes ces dépenses professionnelles. Elle tient compte de l'ensemble du processus d'achat : approbations d'achat, méthodes de paiement, traitement des factures, note de frais, réconciliation des justificatifs, catégorisation des dépenses, taux de TVA, etc. pour une bonne tenue de la comptabilité.",{"type":2158},{"type":2158},{"text":2187,"type":57},"Les outils de gestion des dépenses deviennent nécessaires lorsque le nombre d'employés augmente et que l'équipe finance a besoin d'une meilleure visibilité et d'un meilleur contrôle de la trésorerie. Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":2158},{"type":2158},{"text":2191,"type":57},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2193,"title":2194,"component":585,"description":2195},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":47,"content":2196},[2197,2201,2205,2214,2218,2222,2231,2235,2239,2243,2247],{"type":50,"content":2198},[2199],{"text":2200,"type":57},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":50,"content":2202},[2203],{"text":2204,"type":57},"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":50,"content":2206},[2207,2211,2212],{"text":2208,"type":57,"marks":2209},"Pour les employés",[2210],{"type":169},{"type":2158},{"text":2213,"type":57},"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":50,"content":2232},[2233],{"text":2234,"type":57},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. 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00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[2319],{"cta":2320,"_uid":2321,"items":2322,"heading":2484,"reverse":26,"component":680,"sectionSettings":2508},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[2323,2343,2370,2392,2407],{"_uid":2324,"hide":26,"title":2325,"component":585,"description":2326},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":47,"attrs":2327,"content":2328},{"backgroundColor":52},[2329,2338],{"type":50,"attrs":2330,"content":2331},{"textAlign":52},[2332,2336],{"text":2333,"type":57,"marks":2334},"Dans le régime général, non.",[2335],{"type":169},{"text":2337,"type":57}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":50,"attrs":2339,"content":2340},{"textAlign":52},[2341],{"text":2342,"type":57},"Certaines exceptions existent néanmoins. Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":2344,"hide":26,"title":2345,"component":585,"description":2346},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":47,"attrs":2347,"content":2348},{"backgroundColor":52},[2349,2360],{"type":50,"attrs":2350,"content":2351},{"textAlign":52},[2352,2354,2358],{"text":2353,"type":57},"Une facture périodique doit être réglée au plus tard ",{"text":2355,"type":57,"marks":2356},"45 jours après sa date d’émission",[2357],{"type":169},{"text":2359,"type":57},", sans report en fin de mois.",{"type":50,"attrs":2361,"content":2362},{"textAlign":52},[2363,2365,2369],{"text":2364,"type":57},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":2366,"type":57,"marks":2367},"15 décembre 2026",[2368],{"type":169},{"text":542,"type":57},{"_uid":2371,"hide":26,"title":2372,"component":585,"description":2373},"759c2579-2400-475f-944b-1410b215bd65","Quel est le délai moyen de paiement des fournisseurs en France ?",{"type":47,"attrs":2374,"content":2375},{"backgroundColor":52},[2376,2387],{"type":50,"attrs":2377,"content":2378},{"textAlign":52},[2379,2381,2385],{"text":2380,"type":57},"Selon le rapport 2025 de l’Observatoire des délais de paiement, le délai moyen fournisseurs atteignait ",{"text":2382,"type":57,"marks":2383},"50 jours en 2024",[2384],{"type":169},{"text":2386,"type":57},", hors microentreprises.",{"type":50,"attrs":2388,"content":2389},{"textAlign":52},[2390],{"text":2391,"type":57},"Le rapport indique également que 72 % de ces entreprises payaient en moyenne sous 60 jours, contre 48 % des grandes entreprises.",{"_uid":2393,"hide":26,"title":2394,"component":585,"description":2395},"240893ee-f143-4db8-8497-f1c5003af098","La facturation électronique change-t-elle les délais de paiement ?",{"type":47,"attrs":2396,"content":2397},{"backgroundColor":52},[2398],{"type":50,"attrs":2399,"content":2400},{"textAlign":52},[2401,2405],{"text":2402,"type":57,"marks":2403},"Elle change le circuit de traitement, mais pas les délais légaux.",[2404],{"type":169},{"text":2406,"type":57}," L’Observatoire des délais de paiement ne prévoit pas de baisse automatique des retards, car ceux-ci dépendent aussi des processus internes d’approbation et de paiement.",{"_uid":2408,"hide":26,"title":2409,"component":585,"description":2410},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":47,"attrs":2411,"content":2412},{"backgroundColor":52},[2413,2423,2433,2438,2445,2450,2473],{"type":50,"attrs":2414,"content":2415},{"textAlign":52},[2416,2418,2422],{"text":2417,"type":57},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit 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électronique des PME : calendrier 2026-2027, plateforme agréée, PPF, données à préparer et étapes pour réussir la mise en conformité.",[],[2561],{"cta":2562,"_uid":2563,"items":2564,"heading":2653,"reverse":26,"component":680,"sectionSettings":2677},[],"d1adf0be-b475-4141-be84-e6809c10956b",[2565,2580,2594,2609,2624,2638],{"_uid":2566,"hide":26,"title":2567,"component":585,"description":2568},"fe4099b6-a5df-4d02-9ea0-58289ab19094","Le PPF permet-il encore d’envoyer gratuitement ses factures ?",{"type":47,"attrs":2569,"content":2570},{"backgroundColor":52},[2571],{"type":50,"attrs":2572,"content":2573},{"textAlign":52},[2574,2578],{"text":2575,"type":57,"marks":2576},"Non.",[2577],{"type":169},{"text":2579,"type":57}," Les factures doivent désormais passer par au moins une plateforme agréée choisie par l’entreprise. Le PPF conserve principalement son rôle d’annuaire et de concentrateur des données fiscales.",{"_uid":2581,"hide":26,"title":2582,"component":585,"description":2583},"f42d1662-5cd3-4d63-8a41-3f0d7a18bf1b","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":47,"attrs":2584,"content":2585},{"backgroundColor":52},[2586],{"type":50,"attrs":2587,"content":2588},{"textAlign":52},[2589,2592],{"text":2575,"type":57,"marks":2590},[2591],{"type":169},{"text":2593,"type":57}," Un simple PDF envoyé par e-mail ne correspond pas au format attendu par la réforme. À partir du 1er septembre 2027, les PME devront émettre leurs factures dans un format électronique conforme, comme UBL, CII ou Factur-X selon leur solution.",{"_uid":2595,"hide":26,"title":2596,"component":585,"description":2597},"9a89eddd-acc8-425f-b157-7646aa722463","Les micro-entrepreneurs sont-ils concernés par la réforme ?",{"type":47,"attrs":2598,"content":2599},{"backgroundColor":52},[2600],{"type":50,"attrs":2601,"content":2602},{"textAlign":52},[2603,2607],{"text":2604,"type":57,"marks":2605},"Oui.",[2606],{"type":169},{"text":2608,"type":57}," Les micro-entrepreneurs et les entreprises en franchise en base de TVA sont également concernés lorsqu’ils sont assujettis. Ils doivent recevoir les factures électroniques depuis le 1er septembre 2026 et devront les émettre à partir du 1er septembre 2027.",{"_uid":2610,"hide":26,"title":2611,"component":585,"description":2612},"deb0c63c-218a-4a52-bc77-d888166c31f7","Une entreprise qui ne facture pas de TVA est-elle concernée ?",{"type":47,"attrs":2613,"content":2614},{"backgroundColor":52},[2615],{"type":50,"attrs":2616,"content":2617},{"textAlign":52},[2618,2622],{"text":2619,"type":57,"marks":2620},"Oui, dès lors qu’elle est assujettie à la TVA",[2621],{"type":169},{"text":2623,"type":57},", y compris lorsqu’elle bénéficie de la franchise en base. Les mêmes échéances de réception et d’émission s’appliquent.",{"_uid":2625,"hide":26,"title":2626,"component":585,"description":2627},"29a0e8d1-074b-44ce-b48f-c9150b51026a","Peut-on utiliser plusieurs plateformes agréées ?",{"type":47,"attrs":2628,"content":2629},{"backgroundColor":52},[2630],{"type":50,"attrs":2631,"content":2632},{"textAlign":52},[2633,2636],{"text":2604,"type":57,"marks":2634},[2635],{"type":169},{"text":2637,"type":57}," Une PME peut par exemple utiliser une plateforme pour les factures fournisseurs et une autre pour ses ventes. L’annuaire doit néanmoins identifier clairement la plateforme et l’adresse utilisées pour recevoir les factures.",{"_uid":2639,"hide":26,"title":2640,"component":585,"description":2641},"603ca885-e519-473f-9fab-26b658df71b3","Un opérateur de dématérialisation suffit-il ?",{"type":47,"attrs":2642,"content":2643},{"backgroundColor":52},[2644],{"type":50,"attrs":2645,"content":2646},{"textAlign":52},[2647,2651],{"text":2648,"type":57,"marks":2649},"Non, sauf s’il est lui-même agréé.",[2650],{"type":169},{"text":2652,"type":57}," Un OD ou une autre solution compatible doit être raccordé à une plateforme agréée pour participer aux échanges prévus par la réforme. Demandez à votre prestataire quelle PA il utilise avant de lui confier vos flux.",[2654],{"cta":2655,"_uid":2656,"title":2657,"layout":24,"eyebrow":2665,"subtitle":2672,"component":147,"textAlign":24,"eyebrowPill":26,"checkmarkList":26,"flexibleSection":2675,"sectionSettings":2676,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"c6c045b6-df23-4857-9321-be3eae219603",{"type":47,"attrs":2658,"content":2659},{"backgroundColor":52},[2660],{"type":147,"attrs":2661,"content":2662},{"level":149,"textAlign":52},[2663],{"text":2664,"type":57},"Questions fréquentes sur la facturation électronique des 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la différence entre Apple Pay et Tap to Pay sur iPhone, leurs frais, usages, justificatifs, limites et règles pour les paiements professionnels.",[],[2743],{"cta":2744,"_uid":2745,"items":2746,"heading":2822,"reverse":26,"component":680,"sectionSettings":2846},[],"6e98fa8e-5fbf-482f-9380-0621b63072ee",[2747,2762,2776,2793,2808],{"_uid":2748,"hide":26,"title":2749,"component":585,"description":2750},"89d4143f-9b0d-426f-ade4-1ec215dbdc0d","Tap to Pay sur iPhone est-il payant ?",{"type":47,"attrs":2751,"content":2752},{"backgroundColor":52},[2753],{"type":50,"attrs":2754,"content":2755},{"textAlign":52},[2756,2760],{"text":2757,"type":57,"marks":2758},"Oui, par l’intermédiaire du prestataire de paiement.",[2759],{"type":169},{"text":2761,"type":57}," Celui-ci prélève généralement une commission sur chaque transaction. Chez Stripe, les tarifs consultés en octobre 2026 indiquent 1,4 % + 0,10 € pour une carte de l’EEE, auxquels s’ajoutent 0,10 € par autorisation Tap to Pay.",{"_uid":2763,"hide":26,"title":2764,"component":585,"description":2765},"04a61e09-88b1-4970-a50b-47064edbcf97","Peut-on encaisser plus de 50 € avec Tap to Pay ?",{"type":47,"attrs":2766,"content":2767},{"backgroundColor":52},[2768],{"type":50,"attrs":2769,"content":2770},{"textAlign":52},[2771,2774],{"text":2604,"type":57,"marks":2772},[2773],{"type":169},{"text":2775,"type":57}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":2777,"hide":26,"title":2778,"component":585,"description":2779},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":47,"attrs":2780,"content":2781},{"backgroundColor":52},[2782],{"type":50,"attrs":2783,"content":2784},{"textAlign":52},[2785,2787,2791],{"text":2786,"type":57},"Il faut au minimum ",{"text":2788,"type":57,"marks":2789},"un compte marchand auprès d’un prestataire compatible",[2790],{"type":169},{"text":2792,"type":57},", qui collecte les paiements puis reverse les fonds à votre entreprise. Chaque prestataire fixe ses propres conditions d’ouverture.",{"_uid":2794,"hide":26,"title":2795,"component":585,"description":2796},"b82a2c38-1c4f-46fb-a3fe-b11f1e846ca1","Une carte virtuelle d’entreprise fonctionne-t-elle avec Apple Pay ?",{"type":47,"attrs":2797,"content":2798},{"backgroundColor":52},[2799],{"type":50,"attrs":2800,"content":2801},{"textAlign":52},[2802,2806],{"text":2803,"type":57,"marks":2804},"Oui, si son émetteur l’autorise.",[2805],{"type":169},{"text":2807,"type":57}," Elle peut alors être ajoutée dans l’app Cartes et utilisée avec Face ID, Touch ID ou le code de l’appareil. Certaines cartes virtuelles à usage unique ne sont toutefois pas compatibles.",{"_uid":2809,"hide":26,"title":2810,"component":585,"description":2811},"5740f50b-3e71-4739-b292-d8deffbaf70c","Apple Pay remplace-t-il le justificatif d’une dépense professionnelle ?",{"type":47,"attrs":2812,"content":2813},{"backgroundColor":52},[2814],{"type":50,"attrs":2815,"content":2816},{"textAlign":52},[2817,2820],{"text":2575,"type":57,"marks":2818},[2819],{"type":169},{"text":2821,"type":57}," Apple Pay confirme le paiement, mais la facture ou le ticket du fournisseur reste nécessaire pour justifier la dépense et, le cas échéant, récupérer la 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Dans l’exemple illustratif de cet article, le délai varie de ",{"text":2928,"type":57,"marks":2929},"4,3 à 16,7 mois",[2930],{"type":169},{"text":2932,"type":57}," selon le scénario. Ces chiffres ne constituent pas une garantie de résultat.",{"_uid":2934,"hide":26,"title":2935,"component":585,"description":2936},"a7c098cb-6d0a-46c6-a029-e9974db07749","Faut-il compter tout le temps gagné comme une économie ?",{"type":47,"attrs":2937,"content":2938},{"backgroundColor":52},[2939],{"type":50,"attrs":2940,"content":2941},{"textAlign":52},[2942,2945,2947,2951],{"text":2575,"type":57,"marks":2943},[2944],{"type":169},{"text":2946,"type":57}," Le temps gagné ne devient une économie que s’il est réaffecté à une activité mesurable ou s’il permet d’éviter un coût, comme un recrutement supplémentaire. 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comment choisir une carte virtuelle d’entreprise selon vos usages, vos besoins de contrôle, de sécurité et de suivi des dépenses.",[],[3064],{"cta":3065,"_uid":3066,"items":3067,"heading":3176,"reverse":26,"component":680,"sectionSettings":3200},[],"c9d565f8-622e-4891-aaa4-c6e1283b588e",[3068,3085,3102,3117,3136,3159],{"_uid":3069,"hide":26,"title":3070,"component":585,"description":3071},"84902400-0416-4c40-932b-874b0ac98008","Quels services de cartes virtuelles choisir pour une utilisation quotidienne en entreprise ?",{"type":47,"attrs":3072,"content":3073},{"backgroundColor":52},[3074],{"type":50,"attrs":3075,"content":3076},{"textAlign":52},[3077,3079,3083],{"text":3078,"type":57},"Pour un usage individuel, ",{"text":3080,"type":57,"marks":3081},"une application grand public ou une e-carte bancaire peut suffire",[3082],{"type":169},{"text":3084,"type":57},". 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",{"text":3152,"type":57,"marks":3153},"BoursoBank",[3154],{"type":205,"attrs":3155},{"href":3156,"uuid":52,"anchor":52,"target":52,"linktype":34},"https://www.boursobank.com/aide-en-ligne/carte-bancaire/carte-virtuelle/question/puis-je-me-faire-rembourser-un-paiement-effectue-avec-ma-carte-virtuelle-50943845",{"text":3158,"type":57}," le confirme pour ses propres cartes, mais les conditions peuvent varier selon l’émetteur.",{"_uid":3160,"hide":26,"title":3161,"component":585,"description":3162},"79186bae-d2cf-4557-bee0-681c2b8fd972","Combien de temps faut-il pour bloquer une carte virtuelle ?",{"type":47,"attrs":3163,"content":3164},{"backgroundColor":52},[3165],{"type":50,"attrs":3166,"content":3167},{"textAlign":52},[3168,3170,3174],{"text":3169,"type":57},"Lorsqu’elle est gérée depuis une application ou une plateforme adaptée, ",{"text":3171,"type":57,"marks":3172},"une carte virtuelle peut être bloquée immédiatement",[3173],{"type":169},{"text":3175,"type":57}," depuis l’interface. 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Découvrez les données Spendesk 2026 sur les dépenses en Europe.",[3266],{"cta":3267,"_uid":3274,"image":3275,"title":3280,"subtitle":24,"component":2055,"imageFullWidth":38},[3268],{"tag":24,"_uid":3269,"hide":26,"icon":3270,"link":3272,"type":24,"label":24,"style":36,"component":37,"mobileLabel":24,"onClickEvent":24,"openInANewTab":38,"horizontalFill":26},"559eb7f3-d0d1-420f-929a-0c732e4886f6",{"id":52,"alt":52,"name":24,"focus":52,"title":52,"source":52,"filename":24,"copyright":52,"fieldtype":30,"meta_data":3271},{},{"id":1319,"url":24,"linktype":724,"fieldtype":35,"cached_url":1320,"prep":38,"story":3273},{"name":1322,"id":1323,"uuid":1319,"slug":1324,"url":1325,"full_slug":1326,"_stopResolving":38},"8b3fdf1e-0536-41ce-bd2b-6418c212ff22",{"id":3276,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3277,"copyright":24,"fieldtype":30,"meta_data":3278,"is_external_url":26},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":3279},"1700x465",{"type":47,"content":3281},[3282],{"type":50},[3284],{"cta":3285,"_uid":3286,"items":3287,"heading":3384,"reverse":26,"component":680,"sectionSettings":3408},[],"c53a17e3-2f34-45eb-96aa-8a0aa98aff4c",[3288,3301,3312,3325,3338,3349,3362,3373],{"_uid":3289,"hide":26,"title":3290,"component":585,"description":3291},"298b7db2-f4d8-463e-8f25-542b89772cd4","Qu’est-ce que la gestion des dépenses SaaS, et pourquoi est-elle importante pour les équipes Finance ?",{"type":47,"attrs":3292,"content":3293},{"backgroundColor":52},[3294,3299],{"type":50,"attrs":3295,"content":3296},{"textAlign":52},[3297],{"text":3298,"type":57},"La gestion des dépenses SaaS consiste à suivre, approuver, contrôler et réévaluer les abonnements logiciels utilisés dans l’entreprise. Elle permet aux équipes Finance de savoir qui est responsable de chaque outil, combien il coûte, s’il est réellement utilisé et quand son renouvellement est prévu. Les entreprises peuvent ainsi identifier les dépenses inutiles, comparer les prix et éviter les renouvellements dont elles n’ont pas besoin.",{"type":147,"attrs":3300},{"level":218,"textAlign":52},{"_uid":3302,"hide":26,"title":3303,"component":585,"description":3304},"2205b34b-3642-467d-b57d-00f74eb0ea8a","Combien les entreprises européennes dépensent-elles en logiciels SaaS ?",{"type":47,"attrs":3305,"content":3306},{"backgroundColor":52},[3307],{"type":50,"attrs":3308,"content":3309},{"textAlign":52},[3310],{"text":3311,"type":57},"Selon l’étude de Spendesk, l’entreprise européenne moyenne de notre échantillon dépense près de 250 000 € par an en logiciels.",{"_uid":3313,"hide":26,"title":3314,"component":585,"description":3315},"fc248c7d-c0ef-42f2-8896-bd99d597a6fa","Comment les équipes Finance peuvent-elles suivre les abonnements SaaS utilisés par plusieurs départements ?",{"type":47,"attrs":3316,"content":3317},{"backgroundColor":52},[3318,3323],{"type":50,"attrs":3319,"content":3320},{"textAlign":52},[3321],{"text":3322,"type":57},"Les équipes Finance doivent disposer d’une vue centralisée des factures, paiements par carte et abonnements récurrents, avec pour chaque outil le département concerné, le responsable de la dépense, les informations d’utilisation et la date de renouvellement. Cette approche remplace les feuilles de calcul dispersées par un processus cohérent permettant de suivre les dépenses logicielles, d’anticiper les renouvellements et d’identifier les possibilités de consolidation ou de renégociation.",{"type":147,"attrs":3324},{"level":218,"textAlign":52},{"_uid":3326,"hide":26,"title":3327,"component":585,"description":3328},"2cb2bede-0d0e-469e-9e2b-4bc8df677c31","Comment identifier et supprimer les abonnements en doublon ou devenus inutiles ?",{"type":47,"attrs":3329,"content":3330},{"backgroundColor":52},[3331,3336],{"type":50,"attrs":3332,"content":3333},{"textAlign":52},[3334],{"text":3335,"type":57},"Les entreprises peuvent comparer les fournisseurs par catégorie, examiner leur niveau d’utilisation et leur responsable, puis identifier les abonnements qui n’ont plus d’utilisateurs actifs ou de raison d’être claire. Dans notre échantillon, 72 % des entreprises utilisant des outils d’IA payaient pour au moins deux solutions concurrentes, tandis que 64 % des utilisateurs de logiciels de design disposaient d’abonnements parallèles. Des workflows d’approbation, un responsable clairement identifié pour chaque dépense et des revues avant renouvellement permettent d’éviter que des outils inutilisés ou en doublon continuent d’être facturés sans que personne ne s’en rende compte.",{"type":147,"attrs":3337},{"level":218,"textAlign":52},{"_uid":3339,"hide":26,"title":3340,"component":585,"description":3341},"8040349d-c86b-4a5f-a574-21a2cddd5e03","Comment les cartes virtuelles et les contrôles des dépenses peuvent-ils aider à gérer les abonnements SaaS et les coûts liés à l’IA ?",{"type":47,"attrs":3342,"content":3343},{"backgroundColor":52},[3344],{"type":50,"attrs":3345,"content":3346},{"textAlign":52},[3347],{"text":3348,"type":57},"Les cartes virtuelles et les contrôles associés aux cartes intelligentes permettent de mieux identifier et gérer les dépenses logicielles récurrentes ou facturées à l’usage. Les équipes Finance peuvent définir des limites de dépense, suivre les transactions en temps réel et recevoir des alertes en cas de hausse inattendue des coûts. Pour les abonnements SaaS à prix fixe, des revues avant renouvellement et une responsabilité clairement définie permettent d’éviter que des dépenses non approuvées continuent d’être facturées.",{"_uid":3350,"hide":26,"title":3351,"component":585,"description":3352},"36d62fa2-f73a-4003-b082-f1a3d5b8428d","Pourquoi les dépenses IA sont-elles plus difficiles à prévoir que les dépenses SaaS traditionnelles ?",{"type":47,"attrs":3353,"content":3354},{"backgroundColor":52},[3355,3360],{"type":50,"attrs":3356,"content":3357},{"textAlign":52},[3358],{"text":3359,"type":57},"Les logiciels SaaS traditionnels sont généralement facturés selon un montant mensuel relativement fixe, tandis que de nombreux outils d’IA facturent en fonction de l’utilisation. Dans notre échantillon, les dépenses totales consacrées à l’IA ont augmenté de 340 % en douze mois, alors même que le nombre d’entreprises qui en achetaient a très peu évolué. Les factures IA peuvent également varier fortement d’un mois à l’autre, le mois le plus cher pouvant atteindre jusqu’à huit fois le montant du mois le moins cher. Elles sont donc beaucoup plus difficiles à gérer avec un budget fixe traditionnel.",{"type":147,"attrs":3361},{"level":218,"textAlign":52},{"_uid":3363,"hide":26,"title":3364,"component":585,"description":3365},"d2672715-30b5-4229-be8d-9a86e15dbd0e","Comment les équipes Finance peuvent-elles contrôler les dépenses IA variables et les factures à l’usage ?",{"type":47,"attrs":3366,"content":3367},{"backgroundColor":52},[3368],{"type":50,"attrs":3369,"content":3370},{"textAlign":52},[3371],{"text":3372,"type":57},"Les dépenses IA doivent être gérées à l’aide d’une visibilité sur l’utilisation, de limites de dépense et d’alertes en temps réel, plutôt qu’avec une simple ligne budgétaire fixe. Ces contrôles permettent aux équipes Finance d’identifier rapidement une consommation inhabituelle de tokens ou une activité automatisée anormale, avant qu’un mois particulièrement coûteux n’arrive jusqu’à la clôture. Une carte intelligente assortie de limites de dépense et d’alertes peut apporter une couche de contrôle supplémentaire.",{"_uid":3374,"hide":26,"title":3375,"component":585,"description":3376},"0198b67b-1727-4625-97ba-394a99aa4c17","Que doivent rechercher les équipes Finance dans un logiciel de gestion des dépenses SaaS ?",{"type":47,"attrs":3377,"content":3378},{"backgroundColor":52},[3379],{"type":50,"attrs":3380,"content":3381},{"textAlign":52},[3382],{"text":3383,"type":57},"Les fonctionnalités les plus utiles sont notamment une vue centralisée des abonnements, l’affectation des dépenses à un responsable et à un département, des workflows d’approbation, des alertes de renouvellement, le contrôle des paiements récurrents, le suivi de l’utilisation, des limites de dépense, des alertes en temps réel et des outils de reporting. Pour les outils d’IA en particulier, la solution doit également donner une vision précise de la consommation afin d’aider les équipes Finance à passer d’un simple suivi des dépenses logicielles à un véritable contrôle des coûts liés à l’usage.",[3385],{"cta":3386,"_uid":3387,"title":3388,"layout":24,"eyebrow":3396,"subtitle":3403,"component":147,"textAlign":24,"eyebrowPill":26,"checkmarkList":26,"flexibleSection":3406,"sectionSettings":3407,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"a2fc864f-9f69-4fb0-87ae-9c41e5c010df",{"type":47,"attrs":3389,"content":3390},{"backgroundColor":52},[3391],{"type":147,"attrs":3392,"content":3393},{"level":149,"textAlign":52},[3394],{"text":3395,"type":57},"Questions fréquentes sur les dépenses 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budgétaires : méthode, seuils et actions 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00:00",[],"Analyse des écarts budgétaires : découvrez comment fixer les seuils, distinguer les causes et transformer le budget contre réel en outil de décision.",[],[3475],{"cta":3476,"_uid":3477,"items":3478,"heading":3529,"reverse":26,"component":680,"sectionSettings":3553},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3479,3496,3507,3518],{"_uid":3480,"hide":26,"title":3481,"component":585,"description":3482},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":47,"attrs":3483,"content":3484},{"backgroundColor":52},[3485],{"type":50,"attrs":3486,"content":3487},{"textAlign":52},[3488,3490,3494],{"text":3489,"type":57},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":3491,"type":57,"marks":3492},"projet reporté",[3493],{"type":169},{"text":3495,"type":57},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":3497,"hide":26,"title":3498,"component":585,"description":3499},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":47,"attrs":3500,"content":3501},{"backgroundColor":52},[3502],{"type":50,"attrs":3503,"content":3504},{"textAlign":52},[3505],{"text":3506,"type":57},"Un écart temporaire provient généralement d’un décalage de calendrier ou d’une dépense exceptionnelle. Un écart structurel traduit une tendance durable, comme une hausse de prix ou un budget sous-évalué, et nécessite une action de fond.",{"_uid":3508,"hide":26,"title":3509,"component":585,"description":3510},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":47,"attrs":3511,"content":3512},{"backgroundColor":52},[3513],{"type":50,"attrs":3514,"content":3515},{"textAlign":52},[3516],{"text":3517,"type":57},"Fixez le seuil absolu en fonction du budget global, du niveau de détail suivi et de l’impact du poste sur le résultat. Le seuil relatif peut se situer autour de 5 à 10 %, mais il doit être ajusté selon la nature de la dépense.",{"_uid":3519,"hide":26,"title":3520,"component":585,"description":3521},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":47,"attrs":3522,"content":3523},{"backgroundColor":52},[3524],{"type":50,"attrs":3525,"content":3526},{"textAlign":52},[3527],{"text":3528,"type":57},"Le responsable de budget explique les écarts de son périmètre. Le contrôleur de gestion consolide et challenge les analyses. La direction financière intervient lorsque l’écart nécessite une décision d’allocation ou une révision de prévision.",[3530],{"cta":3531,"_uid":3532,"title":3533,"eyebrow":3541,"subtitle":3548,"component":147,"textAlign":24,"eyebrowPill":26,"checkmarkList":26,"flexibleSection":3551,"sectionSettings":3552,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":47,"attrs":3534,"content":3535},{"backgroundColor":52},[3536],{"type":147,"attrs":3537,"content":3538},{"level":149,"textAlign":52},[3539],{"text":3540,"type":57},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":47,"attrs":3542,"content":3543},{"backgroundColor":52},[3544],{"type":50,"attrs":3545,"content":3546},{"textAlign":52},[3547],{"text":992,"type":57},{"type":47,"content":3549},[3550],{"type":50},[],[],[],"analyse-des-ecarts-budgetaires","fr/blog/analyse-des-ecarts-budgetaires",-3430,[],"39605731-405d-4ed8-ba5f-6ee0217e6dc4",[],"blog/analyse-des-ecarts-budgetaires",[3562,3563,3564],{"path":3560,"name":52,"lang":65,"published":52},{"path":3560,"name":52,"lang":71,"published":52},{"path":3560,"name":52,"lang":73,"published":52},{"name":3566,"created_at":3567,"published_at":3568,"updated_at":3569,"id":3570,"uuid":3571,"content":3572,"slug":3705,"full_slug":3706,"sort_by_date":52,"position":3707,"tag_list":3708,"is_startpage":26,"parent_id":685,"meta_data":52,"group_id":3709,"first_published_at":3568,"release_id":52,"lang":65,"path":52,"alternates":3710,"default_full_slug":3711,"translated_slugs":3712},"Qu’est-ce que le MCP ? 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Le MCP est un ",{"text":3636,"type":57,"marks":3637},"standard de connexion",[3638],{"type":169},{"text":3640,"type":57},". Il permet à un assistant IA d’accéder à des données et à des outils externes dans un format commun. Il ne remplace pas le modèle d’IA et ne prend pas de décision par lui-même.",{"_uid":3642,"hide":26,"title":3643,"component":585,"description":3644},"5de51167-3a0a-4cca-94e5-3a5d2c15a1ad","Quelle est la différence entre le MCP et une API ?",{"type":47,"attrs":3645,"content":3646},{"backgroundColor":52},[3647],{"type":50,"attrs":3648,"content":3649},{"textAlign":52},[3650],{"text":3651,"type":57},"Une API permet à des applications d’échanger des données ou d’exécuter des fonctions. Le MCP fournit un cadre standardisé pour rendre ces données et ces fonctions accessibles à un assistant IA, souvent à partir d’une interface en langage naturel.",{"_uid":3653,"hide":26,"title":3654,"component":585,"description":3655},"01e0f0ec-81ce-4f08-b5ab-745c84be19cc","Que peut faire un assistant IA connecté aux données Finance ?",{"type":47,"attrs":3656,"content":3657},{"backgroundColor":52},[3658],{"type":50,"attrs":3659,"content":3660},{"textAlign":52},[3661,3663,3667],{"text":3662,"type":57},"Il peut rechercher des dépenses, comparer des périodes, identifier des anomalies, préparer un reporting ou aider à repérer les factures et justificatifs manquants. Les ",{"text":3664,"type":57,"marks":3665},"approbations et les paiements",[3666],{"type":169},{"text":3668,"type":57}," doivent rester soumis aux règles de contrôle définies par l’entreprise.",{"_uid":3670,"hide":26,"title":3671,"component":585,"description":3672},"95ac2af3-5794-447e-93da-8d38ae83e8af","Par où commencer avec le MCP ?",{"type":47,"attrs":3673,"content":3674},{"backgroundColor":52},[3675],{"type":50,"attrs":3676,"content":3677},{"textAlign":52},[3678],{"text":3679,"type":57},"Commencez par un cas d’usage en lecture seule, avec des données bien structurées et un périmètre limité. 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Elle transforme une politique de dépenses générale en ",{"text":3785,"type":57,"marks":3786},"règles concrètes",[3787],{"type":169},{"text":3789,"type":57},", applicables au quotidien.",{"_uid":3791,"hide":26,"title":3792,"component":585,"description":3793},"b85b28cf-7fbb-4f91-b192-1a57f30a63ca","Combien de niveaux d’approbation faut-il prévoir ?",{"type":47,"attrs":3794,"content":3795},{"backgroundColor":52},[3796],{"type":50,"attrs":3797,"content":3798},{"textAlign":52},[3799],{"text":3800,"type":57},"Trois ou quatre niveaux couvrent la plupart des organisations : validation simple, manager, Finance, puis direction. Au-delà, le circuit risque de ralentir les dépenses sans améliorer significativement le contrôle.",{"_uid":3802,"hide":26,"title":3803,"component":585,"description":3804},"2d923714-e38f-4afb-8fbc-fa6eee48593d","Comment fixer un seuil d’approbation ?",{"type":47,"attrs":3805,"content":3806},{"backgroundColor":52},[3807],{"type":50,"attrs":3808,"content":3809},{"textAlign":52},[3810,3812,3816],{"text":3811,"type":57},"Croisez trois critères : ",{"text":3813,"type":57,"marks":3814},"le montant",[3815],{"type":169},{"text":3817,"type":57},", la catégorie de dépense et le niveau de risque. Une dépense récurrente, un nouveau fournisseur ou un engagement pluriannuel peuvent nécessiter une validation renforcée, même si le montant reste inférieur au seuil habituel.",{"_uid":3819,"hide":26,"title":3820,"component":585,"description":3821},"e49e5ad1-ed3b-41f6-a8c3-00defdedd780","Comment éviter que les validations ralentissent l’entreprise ?",{"type":47,"attrs":3822,"content":3823},{"backgroundColor":52},[3824],{"type":50,"attrs":3825,"content":3826},{"textAlign":52},[3827],{"text":3828,"type":57},"Prévoyez une validation simple pour les petits montants, un approbateur de remplacement et un délai maximal de traitement. 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Un contrat entre entreprises peut être formé dès l’accord sur ",{"text":4693,"type":57,"marks":4694},"la prestation et son prix",[4695],{"type":169},{"text":4697,"type":57},", conformément aux règles du Code civil.",{"type":50,"attrs":4699,"content":4700},{"textAlign":52},[4701],{"text":4702,"type":57},"Le bon de commande devient toutefois nécessaire lorsqu’un marché public, une politique interne ou un contrat entre les parties l’impose.",{"_uid":4704,"hide":26,"title":4705,"component":585,"description":4706},"390d40d8-3872-498b-9017-3c87f6d78866","Peut-on payer une facture fournisseur sans bon de commande ?",{"type":47,"attrs":4707,"content":4708},{"backgroundColor":52},[4709,4714],{"type":50,"attrs":4710,"content":4711},{"textAlign":52},[4712],{"text":4713,"type":57},"Oui, à condition de pouvoir démontrer que la dépense est réelle, autorisée et conforme. 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