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Jusqu’au moment où ",{"text":174,"type":123,"marks":175},"cinq paiements",[176],{"type":170},{"text":178,"type":123}," restent coincés dans la même campagne de règlement.",{"type":117,"attrs":180,"content":182},{"textAlign":26,"key":181},"p-1",[183,185,189,191,195,197,201,203,207],{"text":184,"type":123},"Le fichier est prêt. Les validations sont passées. La trésorerie a été cadrée. Et pourtant, certains virements reviennent avec un statut ",{"text":186,"type":123,"marks":187},"“rejeté”",[188],{"type":170},{"text":190,"type":123}," ou ",{"text":192,"type":123,"marks":193},"“en attente de vérification”",[194],{"type":170},{"text":196,"type":123},". Pas à cause d’un IBAN invalide, ni d’un problème de fonds. Simplement parce que le nom enregistré dans votre ",{"text":198,"type":123,"marks":199},"référentiel fournisseur",[200],{"type":170},{"text":202,"type":123}," ne correspond pas exactement au ",{"text":204,"type":123,"marks":205},"titulaire réel du compte bancaire",[206],{"type":170},{"text":208,"type":123},".",{"type":117,"attrs":210,"content":212},{"textAlign":26,"key":211},"p-2",[213,215,219,221,225,227,231,233,237],{"text":214,"type":123},"Depuis le ",{"text":216,"type":123,"marks":217},"9 octobre 2025",[218],{"type":170},{"text":220,"type":123},", ce contrôle est devenu un passage obligé pour les ",{"text":222,"type":123,"marks":223},"virements SEPA",[224],{"type":170},{"text":226,"type":123},". Avec la vérification des données du bénéficiaire, imposée par le ",{"text":228,"type":123,"marks":229},"Règlement (UE) 2024/886",[230],{"type":170},{"text":232,"type":123},", les banques doivent vérifier la cohérence entre le bénéficiaire saisi et le titulaire de l’IBAN avant d’exécuter un virement standard ou instantané. Quand la correspondance ne passe pas, le paiement peut être ",{"text":234,"type":123,"marks":235},"ralenti, suspendu ou renvoyé",[236],{"type":170},{"text":238,"type":123}," dans le circuit de vérification.",{"type":117,"attrs":240,"content":242},{"textAlign":26,"key":241},"p-3",[243,245,251,257],{"text":244,"type":123},"Autre évolution, sans lien direct avec la VoP : ",{"text":246,"type":123,"marks":247},"à partir de ",[248],{"type":249,"attrs":250},"textStyle",{"color":52},{"text":252,"type":123,"marks":253},"novembre 2026",[254,256],{"type":249,"attrs":255},{"color":52},{"type":170},{"text":258,"type":123},", l’adresse de l’entreprise qui effectue un paiement transfrontalier devra être renseignée dans un format structuré, conformément à la norme ISO 20022. Cette exigence sera obligatoire pour l’entreprise à l’origine du paiement, mais restera facultative pour le bénéficiaire, c’est-à-dire le fournisseur.",{"type":117,"attrs":260,"content":262},{"textAlign":26,"key":261},"p-4",[263,265,269,271,275,277,281],{"text":264,"type":123},"Pour les équipes AP, le message est clair : les ",{"text":266,"type":123,"marks":267},"données fournisseurs",[268],{"type":170},{"text":270,"type":123}," ne sont plus un simple sujet d’administration. Elles deviennent un ",{"text":272,"type":123,"marks":273},"point de contrôle critique",[274],{"type":170},{"text":276,"type":123}," dans l’exécution des paiements, la continuité des opérations et la ",{"text":278,"type":123,"marks":279},"prévention de la fraude au virement",[280],{"type":170},{"text":208,"type":123},{"type":283,"attrs":284,"content":286},"heading",{"level":285,"textAlign":26},2,[287],{"text":288,"type":123,"marks":289},"La vérification des données du bénéficiaire s’applique à tous les virements SEPA",[290],{"type":170},{"type":117,"attrs":292,"content":294},{"textAlign":26,"key":293},"p-5",[295,297,301,303,307],{"text":296,"type":123},"La vérification des données du bénéficiaire est en place depuis le 9 octobre 2025 pour tous les paiements SEPA. Elle permet ",{"text":298,"type":123,"marks":299},"d’identifier les erreurs de saisie",[300],{"type":170},{"text":302,"type":123}," et",{"text":304,"type":123,"marks":305}," les comptes potentiellement frauduleux ",[306],{"type":170},{"text":308,"type":123},"en comparant le nom du bénéficiaire renseigné avec les informations associées à l’IBAN.",{"type":310,"attrs":311},"blok",{"id":312,"body":313},"724288fd-9447-4d68-8c4a-017f868821db",[314],{"_uid":315,"asset":316,"caption":52,"component":320},"i-85e3b15e-3c54-4220-ba81-3de63c41a548",{"id":317,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":318,"copyright":52,"fieldtype":98,"meta_data":319,"is_external_url":29},178487793044054,"https://a.storyblok.com/f/146026/2121x1414/5437f320f3/gobd-verfahrensdokumentation-team-buchhaltung.jpg",{},"image",{"type":117,"attrs":322,"content":324},{"textAlign":26,"key":323},"p-6",[325,327,331,333,337,339,343,345,349],{"text":326,"type":123},"Le mécanisme repose sur quatre résultats : ",{"text":328,"type":123,"marks":329},"\"Match\"",[330],{"type":170},{"text":332,"type":123}," (correspondance confirmée), ",{"text":334,"type":123,"marks":335},"\"Close Match\"",[336],{"type":170},{"text":338,"type":123}," (correspondance partielle), ",{"text":340,"type":123,"marks":341},"\"No Match\" ",[342],{"type":170},{"text":344,"type":123},"(absence de correspondance) et",{"text":346,"type":123,"marks":347}," \"Impossible Match\" ",[348],{"type":170},{"text":350,"type":123},"(vérification impossible). ",{"type":117,"attrs":352,"content":354},{"textAlign":26,"key":353},"p-7",[355],{"text":356,"type":123},"Cette vérification s’applique à chaque paiement. Si le titulaire du compte est \"Dupont Matériaux SAS\" et que l’entreprise saisit simplement \"Dupont Matériaux\", le résultat pourra être \"Close Match\". En revanche, si elle indique \"Durand Matériaux SAS\", elle pourra obtenir un \"No Match\" et devra vérifier les informations avant de confirmer le paiement.",{"type":283,"attrs":358,"content":359},{"level":285,"textAlign":26},[360],{"text":361,"type":123,"marks":362},"Les alertes liées à la vérification révèlent des problèmes de qualité dans les données fournisseurs",[363],{"type":170},{"type":117,"attrs":365,"content":366},{"textAlign":26,"key":119},[367,369,373,375,384],{"text":368,"type":123},"La majorité des alertes générées lors de la vérification ne sont pas liées à une fraude : elles résultent d'incohérences dans le ",{"text":370,"type":123,"marks":371},"référentiel fournisseurs",[372],{"type":170},{"text":374,"type":123},". Noms légaux obsolètes, IBAN non mis à jour après un changement de banque, abréviations non conformes, accents manquants : autant d'écarts qui déclenchent un \"Close Match\" ou un \"No Match\". Vérifier manuellement les coordonnées bancaires, cas par cas, devient rapidement ingérable sans processus structuré, et complique par ricochet le ",{"text":376,"type":123,"marks":377},"rapprochement bancaire",[378,383],{"type":379,"attrs":380},"link",{"href":381,"uuid":26,"anchor":26,"target":382,"linktype":102},"https://www.spendesk.com/fr/blog/rapprochement-bancaire/","_blank",{"type":170},{"text":208,"type":123},{"type":117,"attrs":386,"content":387},{"textAlign":26,"key":181},[388,390,394,396,403,405,412,414,418],{"text":389,"type":123},"Depuis le 6 mai 2026, le ",{"text":391,"type":123,"marks":392},"Fichier national des comptes bancaires signalés pour risque de fraude (FNC-RF)",[393],{"type":170},{"text":395,"type":123},", instauré par la ",{"text":397,"type":123,"marks":398},"loi 2025-1058",[399,402],{"type":379,"attrs":400},{"href":401,"uuid":26,"anchor":26,"target":382,"linktype":102},"https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000052533262",{"type":170},{"text":404,"type":123}," et géré par la ",{"text":406,"type":123,"marks":407},"Banque de France",[408,411],{"type":379,"attrs":409},{"href":410,"uuid":26,"anchor":26,"target":382,"linktype":102},"https://www.banque-france.fr/system/files/2026-02/FNC_RF_presentation_projet_fev26.pdf",{"type":170},{"text":413,"type":123},", ajoute une couche supplémentaire : les banques peuvent désormais bloquer un virement vers un IBAN signalé dans ce registre, ",{"text":415,"type":123,"marks":416},"même si la correspondance nom/IBAN est correcte",[417],{"type":170},{"text":208,"type":123},{"type":117,"attrs":420,"content":421},{"textAlign":26,"key":211},[422,426],{"text":423,"type":123,"marks":424},"Un cas concret.",[425],{"type":170},{"text":427,"type":123}," Un RAF lance sa campagne un vendredi après-midi. Douze alertes \"No Match\". L'analyse révèle des écarts de forme juridique, deux fournisseurs ayant changé de banque sans notification, et une incohérence susceptible de révéler une tentative de fraude au virement bancaire. Résultat : clôture reportée au lundi, risque de pénalités de retard.",{"type":283,"attrs":429,"content":430},{"level":285,"textAlign":26},[431],{"text":432,"type":123,"marks":433},"La vérification des données du bénéficiaire réduit le risque de fraude au virement fournisseur",[434],{"type":170},{"type":310,"attrs":436},{"id":437,"body":438},"74de44f7-15d7-403c-8e31-b994b9f9e1c3",[439],{"_uid":440,"asset":441,"caption":52,"component":320},"i-684e298f-f4af-498c-9f98-f9158f79891e",{"id":442,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":443,"copyright":52,"fieldtype":98,"meta_data":444,"is_external_url":29},180996618317543,"https://a.storyblok.com/f/146026/7360x3481/b49f4e3d20/adobestock_305813154-1.jpeg",{},{"type":117,"attrs":446,"content":447},{"textAlign":26,"key":241},[448,450,454,456,460,462,469],{"text":449,"type":123},"Le schéma classique de ",{"text":451,"type":123,"marks":452},"fraude au virement",[453],{"type":170},{"text":455,"type":123}," : un fraudeur usurpe l'identité d'un fournisseur et demande par email un changement de coordonnées bancaires. L'équipe met à jour la fiche. Au virement suivant, les fonds partent vers un ",{"text":457,"type":123,"marks":458},"compte contrôlé par le fraudeur",[459],{"type":170},{"text":461,"type":123},". Garantir le ",{"text":463,"type":123,"marks":464},"paiement sécurisé de ses fournisseurs",[465,468],{"type":379,"attrs":466},{"href":467,"uuid":26,"anchor":26,"target":382,"linktype":102},"https://www.spendesk.com/fr/blog/paiement-securise/",{"type":170},{"text":470,"type":123}," passe désormais par des contrôles automatisés en amont de chaque exécution.",{"type":117,"attrs":472,"content":473},{"textAlign":26,"key":261},[474,476,480,482,489],{"text":475,"type":123},"Avant la mise en place de cette vérification, le seul recours était un ",{"text":477,"type":123,"marks":478},"rappel téléphonique",[479],{"type":170},{"text":481,"type":123}," rarement appliqué de façon systématique. La vérification des données du bénéficiaire avant la confirmation du paiement change la donne : si l'IBAN transmis par le fraudeur ne correspond pas au fournisseur légitime, le PSP renvoie un résultat \"No Match\", permettant à l’entreprise de vérifier les informations avant de confirmer le virement. Les ",{"text":483,"type":123,"marks":484},"fraudes aux notes de frais",[485,488],{"type":379,"attrs":486},{"href":487,"uuid":26,"anchor":26,"target":382,"linktype":102},"https://www.spendesk.com/fr/blog/lutter-contre-fraude-notes-de-frais/",{"type":170},{"text":490,"type":123}," exploitent des vecteurs similaires : la vigilance sur les données bancaires doit couvrir l'ensemble des flux de paiement.",{"type":117,"attrs":492,"content":493},{"textAlign":26,"key":293},[494,497,499,503],{"text":423,"type":123,"marks":495},[496],{"type":170},{"text":498,"type":123}," Le DAF d'une ETI reçoit un email demandant un changement de RIB pour un prestataire. La fiche est mise à jour. Au prochain virement, la vérification renvoie un résultat ",{"text":500,"type":123,"marks":501},"\"No Match\"",[502],{"type":170},{"text":504,"type":123},". En conséquence, l’alerte permet au DAF d’interrompre le processus et de vérifier la demande avant le paiement. Sans cette vérification, l’incohérence aurait pu ne pas être détectée avant le transfert des fonds.",{"type":283,"attrs":506,"content":507},{"level":285,"textAlign":26},[508,512],{"text":509,"type":123,"marks":510},"Cinq étapes pour fiabiliser les coordonnées fournisseurs avant une campagne de règlement",[511],{"type":170},{"type":513},"hard_break",{"type":283,"attrs":515,"content":517},{"level":516,"textAlign":26},3,[518],{"text":519,"type":123,"marks":520},"Auditer le référentiel fournisseurs",[521],{"type":170},{"type":117,"attrs":523,"content":524},{"textAlign":26,"key":323},[525,527,531,533,537],{"text":526,"type":123},"Comparez les ",{"text":528,"type":123,"marks":529},"dénominations enregistrées",[530],{"type":170},{"text":532,"type":123}," avec les données officielles (SIRENE, Infogreffe, registres européens). Pour récupérer les informations sur l'IBAN, le nom et le prénom associés à chaque compte, ",{"text":534,"type":123,"marks":535},"sollicitez directement vos fournisseurs",[536],{"type":170},{"text":538,"type":123}," afin d’obtenir une confirmation écrite de leurs coordonnées bancaires. Identifiez les écarts sur la forme juridique, les accents et les abréviations.",{"type":283,"attrs":540,"content":541},{"level":516,"textAlign":26},[542],{"text":543,"type":123,"marks":544},"Standardiser le format des noms",[545],{"type":170},{"type":117,"attrs":547,"content":548},{"textAlign":26,"key":353},[549,551,555,557,564],{"text":550,"type":123},"Le ",{"text":552,"type":123,"marks":553},"nom légal complet",[554],{"type":170},{"text":556,"type":123},", tel qu'enregistré au registre du commerce, est la seule référence valide. Harmonisez la position de la forme juridique (SAS, SARL, SA) selon un modèle unique. 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Un outil de validation d’IBAN intégré à Excel ou à votre logiciel de gestion automatise cette vérification.",{"type":310,"attrs":601},{"id":602,"body":603},"e4cb42b7-fa0e-4e12-ac3f-67baae4cd548",[604],{"_uid":605,"text":606,"color":607,"title":608,"component":609},"i-8cfff747-b9eb-4f9c-9ebb-324fbdf444f6","Cette validation de format est distincte du VoP. La clé de contrôle vérifie la cohérence mathématique d'un IBAN en local ; le VoP interroge la banque du bénéficiaire en temps réel pour confirmer la correspondance nom/IBAN.","purple","Important","callout",{"type":283,"attrs":611,"content":612},{"level":516,"textAlign":26},[613],{"text":614,"type":123,"marks":615},"Instaurer un workflow de mise à jour des coordonnées bancaires",[616],{"type":170},{"type":117,"attrs":618,"content":620},{"textAlign":26,"key":619},"p-9",[621,623,627,629],{"text":622,"type":123},"Tout changement de RIB doit déclencher une ",{"text":624,"type":123,"marks":625},"double vérification",[626],{"type":170},{"text":628,"type":123}," : rappel téléphonique au numéro connu (pas celui de l'email de demande) et réception d'un RIB sur un papier à en-tête officiel. ",{"text":630,"type":123,"marks":631},"Sans exception.",[632],{"type":170},{"type":283,"attrs":634,"content":635},{"level":516,"textAlign":26},[636],{"text":637,"type":123,"marks":638},"Préparer les fichiers de virement au format ISO 20022",[639],{"type":170},{"type":117,"attrs":641,"content":643},{"textAlign":26,"key":642},"p-10",[644,646,650,652,659,661,668],{"text":645,"type":123},"Avant novembre 2026, vos fichiers de paiement devront inclure des ",{"text":647,"type":123,"marks":648},"adresses structurées",[649],{"type":170},{"text":651,"type":123}," (rue, code postal, ville, pays) au lieu de blocs en texte libre, comme le précisent l'",{"text":653,"type":123,"marks":654},"AFTE",[655,658],{"type":379,"attrs":656},{"href":657,"uuid":26,"anchor":26,"target":382,"linktype":102},"https://www.afte.com/publication/actualites/ce-quil-faut-savoir-sur-la-migration-iso-20022",{"type":170},{"text":660,"type":123}," et le ",{"text":662,"type":123,"marks":663},"CFONB",[664,667],{"type":379,"attrs":665},{"href":666,"uuid":26,"anchor":26,"target":382,"linktype":102},"https://www.cfonb.org/espace-documentaire/transposition-des-adresses-au-format-iso-20022",{"type":170},{"text":669,"type":123},". Anticiper cette évolution évite de la subir dans l’urgence lors des premiers rejets..",{"type":283,"attrs":671,"content":672},{"level":285,"textAlign":26},[673],{"text":674,"type":123,"marks":675},"L’automatisation AP réduit les erreurs détectées au moment de la vérification",[676],{"type":170},{"type":117,"attrs":678,"content":680},{"textAlign":26,"key":679},"p-11",[681,683,687,689,693,695,702],{"text":682,"type":123},"Lorsque chaque ",{"text":684,"type":123,"marks":685},"paiement fournisseur par virement SEPA",[686],{"type":170},{"text":688,"type":123}," déclenche un contrôle de correspondance, la qualité des données doit être garantie ",{"text":690,"type":123,"marks":691},"en amont",[692],{"type":170},{"text":694,"type":123},", pas corrigée au fil des alertes. 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Spendesk est un ",{"text":757,"type":123,"marks":758},"établissement de paiement agréé par l'ACPR (n°17518)",[759],{"type":170},{"text":761,"type":123},", opérant sous le même cadre réglementaire qui imposela vérification des données du bénéficiaire.",{"type":513},{"type":513},{"text":765,"type":123},"Vos données fournisseurs sont-elles prêtes pour la prochaine vérification des bénéficiaires ?",{"name":767,"created_at":768,"published_at":16,"updated_at":769,"id":770,"uuid":771,"content":772,"slug":779,"full_slug":780,"sort_by_date":26,"position":27,"tag_list":781,"is_startpage":29,"parent_id":782,"meta_data":26,"group_id":783,"first_published_at":784,"release_id":26,"lang":33,"path":26,"alternates":785,"default_full_slug":786,"translated_slugs":787,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":773,"icon":774,"name":767,"component":778},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":775,"alt":776,"name":52,"focus":52,"title":52,"filename":777,"copyright":52,"fieldtype":98,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[788,789,790],{"path":786,"name":26,"lang":33,"published":26},{"path":786,"name":26,"lang":39,"published":26},{"path":786,"name":26,"lang":41,"published":26},[33],[793],{"_uid":794,"asset":795,"caption":52,"component":320},"ace26819-6228-4e11-b469-fc1e0e2d3464",{"id":796,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":797,"copyright":52,"fieldtype":98,"meta_data":798,"is_external_url":29},158248270548124,"https://a.storyblok.com/f/146026/1536x1024/168b93ea18/financial-due-diligence.png",{},[],"2026-06-19 00:00",[],"Le controle IBAN VoP bloque les virements SEPA mal renseignés depuis octobre 2025. Découvrez comment fiabiliser vos données fournisseurs et éviter les rejets.",[],[805],{"cta":806,"_uid":807,"items":808,"heading":870,"reverse":29,"component":893,"sectionSettings":894},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[809,820,830,840,850,860],{"_uid":810,"hide":29,"title":811,"component":812,"description":813},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes données fournisseurs pour réduire les alertes lors de la vérification du bénéficiaire ?","faqItem",{"type":114,"content":814},[815],{"type":117,"attrs":816,"content":817},{"textAlign":26,"key":119},[818],{"text":819,"type":123},"Deux priorités dès maintenant : fiabiliser les dénominations légales du référentiel fournisseurs en vérifiant les données officielles, en harmonisant les formes juridiques et en validant le format de chaque IBAN, puis instaurer un circuit de double vérification pour toute modification de coordonnées bancaires. Les cinq étapes détaillées dans cet article permettent de renforcer la qualité du référentiel fournisseurs et de réduire les alertes de non-correspondance lors des prochaines campagnes de paiement.",{"_uid":821,"hide":29,"title":822,"component":812,"description":823},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":114,"content":824},[825],{"type":117,"attrs":826,"content":827},{"textAlign":26,"key":119},[828],{"text":829,"type":123},"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":831,"hide":29,"title":832,"component":812,"description":833},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":114,"content":834},[835],{"type":117,"attrs":836,"content":837},{"textAlign":26,"key":119},[838],{"text":839,"type":123},"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":841,"hide":29,"title":842,"component":812,"description":843},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment la vérification des données du bénéficiaire contribue-t-elle à prévenir la fraude au virement fournisseur ?",{"type":114,"content":844},[845],{"type":117,"attrs":846,"content":847},{"textAlign":26,"key":119},[848],{"text":849,"type":123},"La vérification compare automatiquement le nom du bénéficiaire renseigné avec les informations associées à l’IBAN. En cas de non-correspondance, le prestataire de services de paiement transmet une alerte avant la confirmation du virement. L’entreprise peut alors interrompre le processus, vérifier les coordonnées bancaires auprès du fournisseur et détecter une éventuelle tentative de fraude. Ce dispositif s’applique aux virements SEPA standards et instantanés depuis le 9 octobre 2025.",{"_uid":851,"hide":29,"title":852,"component":812,"description":853},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":114,"content":854},[855],{"type":117,"attrs":856,"content":857},{"textAlign":26,"key":119},[858],{"text":859,"type":123},"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":861,"hide":29,"title":862,"component":812,"description":863},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi une alerte apparaît-elle lorsque le nom du bénéficiaire ne correspond pas aux informations associées à l’IBAN ?",{"type":114,"content":864},[865],{"type":117,"attrs":866,"content":867},{"textAlign":26,"key":119},[868],{"text":869,"type":123},"Depuis le 9 octobre 2025, les prestataires de services de paiement de la zone euro doivent comparer le nom du bénéficiaire renseigné avec les informations associées à l’IBAN. En cas d’écart significatif, un résultat de non-correspondance est transmis avant la confirmation du virement. L’entreprise peut alors vérifier ou corriger les données du bénéficiaire avant de poursuivre le paiement. Ces alertes sont souvent liées à des différences de dénomination, de forme juridique ou de saisie, et ne signalent pas nécessairement une tentative de fraude.",[871],{"cta":872,"_uid":873,"title":874,"eyebrow":881,"subtitle":888,"component":283,"textAlign":52,"eyebrowPill":29,"flexibleSection":891,"sectionSettings":892,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":114,"content":875},[876],{"type":283,"attrs":877,"content":878},{"level":285,"textAlign":26},[879],{"text":880,"type":123},"Ce qu'on nous demande 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Abonnez-vous à notre newsletter pour rester informé.",[2393,2394],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2396],{"cta":2397,"_uid":2398,"items":2399,"heading":2519,"reverse":29,"component":893,"sectionSettings":2540},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2400,2460],{"_uid":2401,"title":2402,"component":812,"description":2403},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?",{"type":114,"content":2404},[2405,2409],{"type":117,"content":2406},[2407],{"text":2408,"type":123},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2410,"attrs":2411,"content":2414},"ordered_list",{"order":2412},{"order":2413},1,[2415,2427,2438],{"type":2416,"content":2417},"list_item",[2418],{"type":117,"content":2419},[2420,2424,2426],{"text":2421,"type":123,"marks":2422},"Les dépenses stratégiques",[2423],{"type":170},{"text":2425,"type":123}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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Il s'agit notamment des paiements par carte, demandes de remboursement des dépenses terrains et des frais de déplacement.",{"type":513},{"type":513},{"text":2451,"type":123},"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":513},{"type":513},{"text":2455,"type":123},"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. 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Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":117,"content":2500},[2501],{"text":2502,"type":123},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. 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00:00",[],"Durée de conservation des documents d’entreprise, découvrez les délais par type, les règles de 2026 et les sanctions en cas de destruction anticipée.",[],[2584],{"cta":2585,"_uid":2586,"items":2587,"heading":2675,"reverse":29,"component":893,"sectionSettings":2701},[],"0fea1def-2ce1-413f-8891-bfa4124b132b",[2588,2610,2632,2653],{"_uid":2589,"hide":29,"title":2590,"component":812,"description":2591},"794e9889-487e-4056-9e3a-89f78363b1ab","Quelle est la durée de conservation des documents comptables d’une entreprise ?",{"type":114,"attrs":2592,"content":2593},{"backgroundColor":26},[2594,2605],{"type":117,"attrs":2595,"content":2596},{"textAlign":26},[2597,2599,2603],{"text":2598,"type":123},"Les documents comptables doivent généralement être conservés pendant ",{"text":2600,"type":123,"marks":2601},"10 ans à compter de la clôture de l’exercice",[2602],{"type":170},{"text":2604,"type":123},", conformément à l’article L123-22 du Code de commerce.",{"type":117,"attrs":2606,"content":2607},{"textAlign":26},[2608],{"text":2609,"type":123},"Cela concerne notamment les livres comptables, les comptes annuels, les factures et les pièces justificatives utilisées pour enregistrer les opérations.",{"_uid":2611,"hide":29,"title":2612,"component":812,"description":2613},"5f9b8e2d-6260-45a1-9217-5a5122d2fee4","La réforme de 2026 s’applique-t-elle aux documents déjà archivés ?",{"type":114,"attrs":2614,"content":2615},{"backgroundColor":26},[2616,2621],{"type":117,"attrs":2617,"content":2618},{"textAlign":26},[2619],{"text":2620,"type":123},"Oui, lorsque les documents concernés entrent dans le champ du nouveau régime.",{"type":117,"attrs":2622,"content":2623},{"textAlign":26},[2624,2626,2630],{"text":2625,"type":123},"L’allongement à 10 ans concerne les documents dont l’ancien délai de conservation expire après le 1er janvier 2027. Les entreprises doivent donc ",{"text":2627,"type":123,"marks":2628},"revoir leur calendrier de destruction",[2629],{"type":170},{"text":2631,"type":123}," pour les archives fiscales déjà constituées.",{"_uid":2633,"hide":29,"title":2634,"component":812,"description":2635},"50716ec3-c6ea-4122-9d26-9e070d157bf4","Peut-on détruire les documents papier après les avoir numérisés ?",{"type":114,"attrs":2636,"content":2637},{"backgroundColor":26},[2638,2643],{"type":117,"attrs":2639,"content":2640},{"textAlign":26},[2641],{"text":2642,"type":123},"Oui, uniquement si la copie numérique est fiable et si la procédure de numérisation respecte les exigences légales.",{"type":117,"attrs":2644,"content":2645},{"textAlign":26},[2646,2648,2652],{"text":2647,"type":123},"Un scan ou une photographie isolée ne suffit pas nécessairement. La copie doit être fidèle, intègre et conservée dans un système qui garantit ",{"text":2649,"type":123,"marks":2650},"son authenticité et sa stabilité dans le temps",[2651],{"type":170},{"text":208,"type":123},{"_uid":2654,"hide":29,"title":2655,"component":812,"description":2656},"f8581ebf-6928-4ef9-9c43-c782a781cb5b","Quelle administration peut réclamer les documents d’une entreprise ?",{"type":114,"attrs":2657,"content":2658},{"backgroundColor":26},[2659,2664],{"type":117,"attrs":2660,"content":2661},{"textAlign":26},[2662],{"text":2663,"type":123},"La DGFiP peut demander les documents comptables et fiscaux nécessaires à un contrôle fiscal. L’URSSAF peut demander les pièces utiles au contrôle des cotisations sociales.",{"type":117,"attrs":2665,"content":2666},{"textAlign":26},[2667,2669,2673],{"text":2668,"type":123},"Le délai applicable dépend de la nature du document. ",{"text":2670,"type":123,"marks":2671},"Conservez donc chaque pièce selon le régime qui lui correspond",[2672],{"type":170},{"text":2674,"type":123},", et non selon l’administration qui vous l’a envoyée.",[2676],{"cta":2677,"_uid":2678,"title":2679,"eyebrow":2689,"subtitle":2696,"component":283,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2699,"sectionSettings":2700,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"7493a015-61fa-4b2f-ae88-fc163ec70b0a",{"type":114,"attrs":2680,"content":2681},{"backgroundColor":26},[2682],{"type":283,"attrs":2683,"content":2684},{"level":285,"textAlign":26},[2685],{"text":2686,"type":123,"marks":2687},"Questions fréquentes sur la conservation des documents 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00:00",[],"Omnibus CSRD 2026 : seuils de 1 000 salariés et 450 M€, calendrier révisé, VSME et actions à prévoir pour les DAF et les entreprises.\n",[],[3734],{"cta":3735,"_uid":3736,"items":3737,"heading":3815,"reverse":29,"component":893,"sectionSettings":3839},[],"72e4f3db-ca09-4f67-905a-cbe932d89f63",[3738,3755,3772,3783,3800],{"_uid":3739,"hide":29,"title":3740,"component":812,"description":3741},"181c2e80-937b-4dbb-b6ca-5a80d3e17ab4","Quelles entreprises restent soumises à la CSRD après l’Omnibus ?",{"type":114,"attrs":3742,"content":3743},{"backgroundColor":26},[3744],{"type":117,"attrs":3745,"content":3746},{"textAlign":26},[3747,3749,3753],{"text":3748,"type":123},"Les entreprises qui dépassent simultanément ",{"text":3750,"type":123,"marks":3751},"1 000 salariés et 450 millions d’euros de chiffre d’affaires net",[3752],{"type":170},{"text":3754,"type":123}," restent dans le périmètre obligatoire de la CSRD révisée. Les entreprises qui ne dépassent pas ces deux seuils sortent généralement du périmètre obligatoire, sous réserve des situations particulières liées au groupe.",{"_uid":3756,"hide":29,"title":3757,"component":812,"description":3758},"bfbaba5b-ac8e-401b-946f-85e887a81303","Quand les entreprises nouvellement concernées publieront-elles leur premier rapport ?",{"type":114,"attrs":3759,"content":3760},{"backgroundColor":26},[3761],{"type":117,"attrs":3762,"content":3763},{"textAlign":26},[3764,3766,3770],{"text":3765,"type":123},"Les entreprises nouvellement concernées par les seuils révisés publieront leur premier rapport en ",{"text":3767,"type":123,"marks":3768},"2028 sur l’exercice 2027",[3769],{"type":170},{"text":3771,"type":123},". 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Les demandes doivent s’appuyer sur le contenu du standard volontaire applicable.",{"_uid":3784,"hide":29,"title":3785,"component":812,"description":3786},"2968fde6-2210-4088-aff7-ed1275aa59fa","À quoi sert le VSME pour une entreprise sortie du périmètre CSRD ?",{"type":114,"attrs":3787,"content":3788},{"backgroundColor":26},[3789],{"type":117,"attrs":3790,"content":3791},{"textAlign":26},[3792,3794,3798],{"text":3793,"type":123},"Le VSME permet à une PME de structurer ",{"text":3795,"type":123,"marks":3796},"un socle volontaire et proportionné de données de durabilité",[3797],{"type":170},{"text":3799,"type":123},". Il peut servir à répondre de manière cohérente aux demandes des clients, des banques et des investisseurs sans produire un reporting ESRS complet.",{"_uid":3801,"hide":29,"title":3802,"component":812,"description":3803},"e41936c7-2806-4062-a9ad-1db84714b967","Comment préparer la suite après l’Omnibus ?",{"type":114,"attrs":3804,"content":3805},{"backgroundColor":26},[3806],{"type":117,"attrs":3807,"content":3808},{"textAlign":26},[3809,3811],{"text":3810,"type":123},"L’Omnibus réduit le périmètre obligatoire de la CSRD, mais il ne supprime pas les demandes de données ESG dans les relations commerciales. ",{"text":3812,"type":123,"marks":3813},"La priorité consiste donc à clarifier votre statut, puis à fiabiliser les informations que vos clients peuvent vous demander.",[3814],{"type":170},[3816],{"cta":3817,"_uid":3818,"title":3819,"eyebrow":3827,"subtitle":3834,"component":283,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3837,"sectionSettings":3838,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"cbaf1c9f-32d2-4f32-9c41-f2aeab756a1a",{"type":114,"attrs":3820,"content":3821},{"backgroundColor":26},[3822],{"type":283,"attrs":3823,"content":3824},{"level":285,"textAlign":26},[3825],{"text":3826,"type":123},"Questions fréquentes sur l'Omnibus et la CSRD",{"type":114,"attrs":3828,"content":3829},{"backgroundColor":26},[3830],{"type":117,"attrs":3831,"content":3832},{"textAlign":26},[3833],{"text":887,"type":123},{"type":114,"content":3835},[3836],{"type":117},[],[],[],"omnibus-csrd","fr/blog/omnibus-csrd",-2510,[],"1521f5a7-3bc3-4ac6-8f3e-3b1096afb3ba",[],"blog/omnibus-csrd",[3848,3849,3850],{"path":3846,"name":26,"lang":33,"published":26},{"path":3846,"name":26,"lang":39,"published":26},{"path":3846,"name":26,"lang":41,"published":26},{"name":3852,"created_at":3853,"published_at":3854,"updated_at":3855,"id":3856,"uuid":3857,"content":3858,"slug":4003,"full_slug":4004,"sort_by_date":26,"position":4005,"tag_list":4006,"is_startpage":29,"parent_id":899,"meta_data":26,"group_id":4007,"first_published_at":3854,"release_id":26,"lang":33,"path":26,"alternates":4008,"default_full_slug":4009,"translated_slugs":4010},"Prime de partage de la valeur en 2026 : obligations, options et budget pour le DAF","2026-08-14T12:31:34.489Z","2026-08-14T13:16:37.062Z","2026-08-14T13:16:37.096Z",208982403064812,"cda6c1a0-234e-4589-92f5-228566c4b76e",{"_uid":3859,"title":3852,"topics":3860,"noIndex":29,"category":3869,"language":3878,"component":779,"heroMedia":3879,"publishedAt":3729,"redirectUrl":52,"listingImage":3886,"metaDescription":3887,"bottomArticleCta":3888,"componentsAfterTheArticle":3889},"343b3128-983a-45ff-a746-24a1aa918690",[3861],{"name":139,"created_at":140,"published_at":16,"updated_at":141,"id":142,"uuid":143,"content":3862,"slug":146,"full_slug":147,"sort_by_date":26,"position":148,"tag_list":3863,"is_startpage":29,"parent_id":150,"meta_data":26,"group_id":151,"first_published_at":152,"release_id":26,"lang":33,"path":26,"alternates":3864,"default_full_slug":154,"translated_slugs":3865,"_stopResolving":42},{"_uid":145,"name":139,"component":23},[],[],[3866,3867,3868],{"path":154,"name":26,"lang":33,"published":26},{"path":154,"name":26,"lang":39,"published":26},{"path":154,"name":26,"lang":41,"published":26},{"name":767,"created_at":768,"published_at":16,"updated_at":769,"id":770,"uuid":771,"content":3870,"slug":779,"full_slug":780,"sort_by_date":26,"position":27,"tag_list":3872,"is_startpage":29,"parent_id":782,"meta_data":26,"group_id":783,"first_published_at":784,"release_id":26,"lang":33,"path":26,"alternates":3873,"default_full_slug":786,"translated_slugs":3874,"_stopResolving":42},{"_uid":773,"icon":3871,"name":767,"component":778},{"id":775,"alt":776,"name":52,"focus":52,"title":52,"filename":777,"copyright":52,"fieldtype":98,"is_external_url":29},[],[],[3875,3876,3877],{"path":786,"name":26,"lang":33,"published":26},{"path":786,"name":26,"lang":39,"published":26},{"path":786,"name":26,"lang":41,"published":26},[33],[3880],{"_uid":3881,"asset":3882,"caption":52,"component":320},"2ebe63d4-f1f6-4462-97d2-90386ee2fee1",{"id":3883,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3884,"copyright":52,"fieldtype":98,"meta_data":3885,"is_external_url":29},189927423877183,"https://a.storyblok.com/f/146026/1376x768/90b9e67f35/1778521717468-v1ey7.png",{},[],"Partage de la valeur 2026 : obligations des entreprises, choix entre PPV, intéressement et participation, calendrier et budget à prévoir pour le DAF.",[],[3890],{"cta":3891,"_uid":3892,"items":3893,"heading":3978,"reverse":29,"component":893,"sectionSettings":4002},[],"eb685b66-d405-4a61-974b-de4f3560b4f0",[3894,3905,3922,3939,3956],{"_uid":3895,"hide":29,"title":3896,"component":812,"description":3897},"f1780251-ae4a-425d-a4f8-1d7bea3a582b","Quelles entreprises sont concernées par l’obligation de partage de la valeur ?",{"type":114,"attrs":3898,"content":3899},{"backgroundColor":26},[3900],{"type":117,"attrs":3901,"content":3902},{"textAlign":26},[3903],{"text":3904,"type":123},"L’obligation concerne les entreprises d’au moins 11 salariés qui ont réalisé un bénéfice net fiscal d’au moins 1 % du chiffre d’affaires pendant trois exercices consécutifs et qui ne sont pas déjà soumises à la participation obligatoire. Le dispositif s’applique aux exercices ouverts après le 31 décembre 2024.",{"_uid":3906,"hide":29,"title":3907,"component":812,"description":3908},"d4b1057c-3f46-4394-964b-621215b4892e","La prime de partage de la valeur est-elle obligatoire ?",{"type":114,"attrs":3909,"content":3910},{"backgroundColor":26},[3911],{"type":117,"attrs":3912,"content":3913},{"textAlign":26},[3914,3916,3920],{"text":3915,"type":123},"Non. La PPV est l’une des options disponibles. L’entreprise peut également choisir ",{"text":3917,"type":123,"marks":3918},"la participation, l’intéressement ou l’abondement d’un plan d’épargne",[3919],{"type":170},{"text":3921,"type":123},", selon les conditions prévues par la loi.",{"_uid":3923,"hide":29,"title":3924,"component":812,"description":3925},"9b94a6ea-54bc-4b1b-aaa2-32a66217600c","Quel est le plafond d’exonération de la PPV ?",{"type":114,"attrs":3926,"content":3927},{"backgroundColor":26},[3928],{"type":117,"attrs":3929,"content":3930},{"textAlign":26},[3931,3933,3937],{"text":3932,"type":123},"La PPV est exonérée dans la limite de ",{"text":3934,"type":123,"marks":3935},"3 000 € par bénéficiaire et par année civile",[3936],{"type":170},{"text":3938,"type":123},". Ce plafond peut atteindre 6 000 € lorsque l’entreprise dispose aussi d’un dispositif d’intéressement ou de participation. Un régime temporaire plus favorable s’applique jusqu’au 31 décembre 2026 dans certaines entreprises de moins de 50 salariés.",{"_uid":3940,"hide":29,"title":3941,"component":812,"description":3942},"23d98ee2-c951-4b69-a9b1-1f635e4cca73","Quand verser l’intéressement ou la participation pour un exercice clos le 31 décembre ?",{"type":114,"attrs":3943,"content":3944},{"backgroundColor":26},[3945],{"type":117,"attrs":3946,"content":3947},{"textAlign":26},[3948,3950,3954],{"text":3949,"type":123},"Pour un exercice clos le 31 décembre, l’intéressement et la participation doivent généralement être versés au plus tard ",{"text":3951,"type":123,"marks":3952},"le 31 mai",[3953],{"type":170},{"text":3955,"type":123},", selon les règles propres à chaque dispositif. La PPV bénéficie d’un calendrier plus souple, avec un versement possible au cours de l’année civile dans la limite d’un versement par trimestre.",{"_uid":3957,"hide":29,"title":3958,"component":812,"description":3959},"9d07f9a2-fb6f-4922-b1c9-fa2357dc4fc9","Comment garder le contrôle des dépenses engagées ?",{"type":114,"attrs":3960,"content":3961},{"backgroundColor":26},[3962,3973],{"type":117,"attrs":3963,"content":3964},{"textAlign":26},[3965,3967,3971],{"text":3966,"type":123},"Le montant de la prime n’est pas le seul sujet à anticiper. ",{"text":3968,"type":123,"marks":3969},"L’échéance de paiement, le régime social et la trésorerie disponible",[3970],{"type":170},{"text":3972,"type":123}," doivent être suivis ensemble.",{"type":117,"attrs":3974,"content":3975},{"textAlign":26},[3976],{"text":3977,"type":123},"En centralisant les engagements de dépenses et les données de trésorerie, les équipes finance peuvent rapprocher plus facilement les provisions comptables des sorties de cash prévues.",[3979],{"cta":3980,"_uid":3981,"title":3982,"eyebrow":3990,"subtitle":3997,"component":283,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4000,"sectionSettings":4001,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"01c01bbf-6e86-4dc6-a36b-8055e306648b",{"type":114,"attrs":3983,"content":3984},{"backgroundColor":26},[3985],{"type":283,"attrs":3986,"content":3987},{"level":285,"textAlign":26},[3988],{"text":3989,"type":123},"Questions fréquentes sur la prime de partage de la valeur obligatoire",{"type":114,"attrs":3991,"content":3992},{"backgroundColor":26},[3993],{"type":117,"attrs":3994,"content":3995},{"textAlign":26},[3996],{"text":887,"type":123},{"type":114,"content":3998},[3999],{"type":117},[],[],[],"prime-de-partage-de-la-valeur-obligatoire","fr/blog/prime-de-partage-de-la-valeur-obligatoire",-2490,[],"eaea690c-b4d3-433c-989c-41f834083abd",[],"blog/prime-de-partage-de-la-valeur-obligatoire",[4011,4012,4013],{"path":4009,"name":26,"lang":33,"published":26},{"path":4009,"name":26,"lang":39,"published":26},{"path":4009,"name":26,"lang":41,"published":26},{"name":4015,"created_at":4016,"published_at":4017,"updated_at":4018,"id":4019,"uuid":4020,"content":4021,"slug":4212,"full_slug":4213,"sort_by_date":26,"position":4214,"tag_list":4215,"is_startpage":29,"parent_id":899,"meta_data":26,"group_id":4216,"first_published_at":4017,"release_id":26,"lang":33,"path":26,"alternates":4217,"default_full_slug":4218,"translated_slugs":4219},"Clôture comptable en PME multi-entités : rapprochement bancaire, lettrage et checklist de fin de mois","2026-07-31T12:38:12.382Z","2026-07-31T13:16:19.008Z","2026-07-31T13:16:19.051Z",204029511235634,"b4a63723-8add-43a3-94a5-c91e45df9223",{"_uid":4022,"title":4015,"topics":4023,"noIndex":29,"category":4032,"language":4041,"component":779,"heroMedia":4042,"publishedAt":4049,"redirectUrl":52,"listingImage":4050,"metaDescription":4051,"bottomArticleCta":4052,"componentsAfterTheArticle":4053},"5a676a4b-8b52-4f0d-b0a3-c3a7984be706",[4024],{"name":139,"created_at":140,"published_at":16,"updated_at":141,"id":142,"uuid":143,"content":4025,"slug":146,"full_slug":147,"sort_by_date":26,"position":148,"tag_list":4026,"is_startpage":29,"parent_id":150,"meta_data":26,"group_id":151,"first_published_at":152,"release_id":26,"lang":33,"path":26,"alternates":4027,"default_full_slug":154,"translated_slugs":4028,"_stopResolving":42},{"_uid":145,"name":139,"component":23},[],[],[4029,4030,4031],{"path":154,"name":26,"lang":33,"published":26},{"path":154,"name":26,"lang":39,"published":26},{"path":154,"name":26,"lang":41,"published":26},{"name":767,"created_at":768,"published_at":16,"updated_at":769,"id":770,"uuid":771,"content":4033,"slug":779,"full_slug":780,"sort_by_date":26,"position":27,"tag_list":4035,"is_startpage":29,"parent_id":782,"meta_data":26,"group_id":783,"first_published_at":784,"release_id":26,"lang":33,"path":26,"alternates":4036,"default_full_slug":786,"translated_slugs":4037,"_stopResolving":42},{"_uid":773,"icon":4034,"name":767,"component":778},{"id":775,"alt":776,"name":52,"focus":52,"title":52,"filename":777,"copyright":52,"fieldtype":98,"is_external_url":29},[],[],[4038,4039,4040],{"path":786,"name":26,"lang":33,"published":26},{"path":786,"name":26,"lang":39,"published":26},{"path":786,"name":26,"lang":41,"published":26},[33],[4043],{"_uid":4044,"asset":4045,"caption":52,"component":320},"1011b6b3-939b-4882-ad57-5e69fbbe262b",{"id":4046,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":4047,"copyright":52,"fieldtype":98,"meta_data":4048,"is_external_url":29},143136604786766,"https://a.storyblok.com/f/146026/1020x680/c4ed9e9b82/best-expense-management-software.png",{},"2026-07-31 00:00",[],"Clôture comptable en PME multi-entités : automatisez le rapprochement bancaire, fiabilisez le lettrage et pilotez votre checklist de fin de mois.",[],[4054],{"cta":4055,"_uid":4056,"items":4057,"heading":4187,"reverse":29,"component":893,"sectionSettings":4211},[],"eabab4e5-8889-4c3b-9283-c4934f4f4256",[4058,4068,4078,4123,4133,4143,4177],{"_uid":4059,"hide":29,"title":4060,"component":812,"description":4061},"b3d4a443-73ee-4408-aa5b-ec71c199e6a2","Quelle est la différence entre rapprochement bancaire et réconciliation bancaire ?",{"type":114,"content":4062},[4063],{"type":117,"attrs":4064,"content":4065},{"textAlign":26},[4066],{"text":4067,"type":123},"Le rapprochement bancaire compare le relevé bancaire avec les écritures du compte 512. La réconciliation est une notion plus large, qui peut également couvrir les comptes clients, fournisseurs, les justificatifs et les opérations entre plusieurs sources de données.",{"_uid":4069,"hide":29,"title":4070,"component":812,"description":4071},"5aa55bb2-4345-4e98-b91c-d18c1d1817e7","Faut-il faire le lettrage avant le rapprochement bancaire ?",{"type":114,"content":4072},[4073],{"type":117,"attrs":4074,"content":4075},{"textAlign":26},[4076],{"text":4077,"type":123},"Il n’existe pas toujours un ordre obligatoire. En pratique, le lettrage et le rapprochement bancaire peuvent être réalisés en parallèle. Le lettrage permet de nettoyer les comptes clients et fournisseurs, tandis que le rapprochement vérifie la concordance entre la banque et la comptabilité.",{"_uid":4079,"hide":29,"title":4080,"component":812,"description":4081},"1ead6d5c-8098-43e6-af8f-45c8ed11cddf","Pouvez-vous donner un exemple concret de rapprochement bancaire ?",{"type":114,"content":4082},[4083],{"type":117,"attrs":4084,"content":4085},{"textAlign":26},[4086,4088,4092,4094,4098,4100,4104,4106,4110,4112,4116,4118,4122],{"text":4087,"type":123},"Avec un compte 512 à ",{"text":4089,"type":123,"marks":4090},"42 000 €",[4091],{"type":170},{"text":4093,"type":123}," et un relevé bancaire à ",{"text":4095,"type":123,"marks":4096},"43 650 €",[4097],{"type":170},{"text":4099,"type":123},", un chèque de ",{"text":4101,"type":123,"marks":4102},"1 500 €",[4103],{"type":170},{"text":4105,"type":123}," non débité, un virement client de ",{"text":4107,"type":123,"marks":4108},"240 €",[4109],{"type":170},{"text":4111,"type":123}," et ",{"text":4113,"type":123,"marks":4114},"90 €",[4115],{"type":170},{"text":4117,"type":123}," de frais bancaires ramènent les deux colonnes à un solde corrigé identique de ",{"text":4119,"type":123,"marks":4120},"42 150 €",[4121],{"type":170},{"text":208,"type":123},{"_uid":4124,"hide":29,"title":4125,"component":812,"description":4126},"e0cd52bf-94a0-4b82-92a0-91d8fea5e069","À quelle fréquence faut-il faire un rapprochement bancaire ?",{"type":114,"content":4127},[4128],{"type":117,"attrs":4129,"content":4130},{"textAlign":26},[4131],{"text":4132,"type":123},"Un rapprochement mensuel constitue une bonne base. En environnement multi-entités ou lorsque les volumes sont importants, un rythme hebdomadaire réduit le nombre d’écarts à traiter lors de la clôture.",{"_uid":4134,"hide":29,"title":4135,"component":812,"description":4136},"2310f311-5848-474d-871b-8e10246b307a","Quelles sont les dates clés d’une clôture comptable ?",{"type":114,"content":4137},[4138],{"type":117,"attrs":4139,"content":4140},{"textAlign":26},[4141],{"text":4142,"type":123},"Les dates dépendent de l’organisation de l’entreprise. Une checklist peut prévoir le rapprochement et le lettrage entre J+1 et J+5, les écritures d’inventaire avant la validation des comptes et les déclarations fiscales selon les échéances indiquées dans l’espace professionnel.",{"_uid":4144,"hide":29,"title":4145,"component":812,"description":4146},"556b45a3-d58f-49ab-b364-b512ccb5171f","Quelle peut être la durée du premier exercice comptable ?",{"type":114,"content":4147},[4148],{"type":117,"attrs":4149,"content":4150},{"textAlign":26},[4151,4157,4161,4166,4173],{"text":4152,"type":123,"marks":4153},"Le premier exercice comptable peut durer moins ou plus de 12 mois, dans la limite de ",[4154],{"type":249,"attrs":4155},{"color":4156},"oklch(0.923 0.003 48.717)",{"text":4158,"type":123,"marks":4159},"24 mois",[4160],{"type":170},{"text":4162,"type":123,"marks":4163},". 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L’automatisation doit toutefois rester accompagnée d’un contrôle comptable et d’une documentation des écarts.",[4188],{"cta":4189,"_uid":4190,"title":4191,"eyebrow":4200,"subtitle":4206,"component":283,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4209,"sectionSettings":4210,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"4841a5f7-36a4-4ae7-b4e0-528be8e37d49",{"type":114,"content":4192},[4193],{"type":283,"attrs":4194,"content":4195},{"level":285,"textAlign":26},[4196],{"text":4197,"type":123,"marks":4198},"Questions sur la clôture comptable et le rapprochement 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