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Sans accord collectif : 80 × 22 € par mois (11 € × 2 jours) = ",{"text":662,"type":143,"marks":663},"1 760 € mensuels exonérés",[664],{"type":188},{"text":666,"type":143},". Avec accord : 80 × 26,40 € = ",{"text":668,"type":143,"marks":669},"2 112 € par mois",[670],{"type":188},{"text":672,"type":143},", toujours exonérés. La différence annuelle entre les deux régimes dépasse ",{"text":674,"type":143,"marks":675},"4 200 €",[676],{"type":188},{"text":678,"type":143}," pour ce seul effectif.",{"type":285,"attrs":680,"content":681},{"level":287,"textAlign":26},[682],{"text":683,"type":143,"marks":684},"Ce que l'URSSAF considère comme frais professionnels de télétravail",[685],{"type":188},{"type":137,"attrs":687,"content":689},{"textAlign":26,"key":688},"p-33",[690,692,696],{"text":691,"type":143},"Le forfait couvre trois catégories de ",{"text":693,"type":143,"marks":694},"frais professionnels",[695],{"type":188},{"text":697,"type":143}," liées au travail à domicile :",{"type":699,"attrs":700,"content":702},"ordered_list",{"order":453,"key":701},"ol-0",[703,715,727],{"type":336,"content":704},[705],{"type":137,"attrs":706,"content":708},{"textAlign":26,"key":707},"p-34",[709,713],{"text":710,"type":143,"marks":711},"Frais fixes et variables du local",[712],{"type":188},{"text":714,"type":143}," : quote-part du loyer ou des charges de copropriété, électricité, chauffage, assurance habitation pour la part professionnelle.",{"type":336,"content":716},[717],{"type":137,"attrs":718,"content":720},{"textAlign":26,"key":719},"p-35",[721,725],{"text":722,"type":143,"marks":723},"Matériel informatique et bureautique",[724],{"type":188},{"text":726,"type":143}," : ordinateur portable, écran supplémentaire, clavier, chaise ergonomique, imprimante.",{"type":336,"content":728},[729],{"type":137,"attrs":730,"content":732},{"textAlign":26,"key":731},"p-36",[733,737],{"text":734,"type":143,"marks":735},"Frais d'adaptation du poste",[736],{"type":188},{"text":738,"type":143}," : abonnement internet professionnel, ligne téléphonique dédiée, logiciels nécessaires à l'activité.",{"type":137,"attrs":740,"content":742},{"textAlign":26,"key":741},"p-37",[743],{"text":744,"type":143},"Un responsable comptable qui traite la note de frais d'un salarié ayant acheté une chaise ergonomique à 350 € devra vérifier qu'elle est bien destinée au poste de télétravail et non à un usage personnel — faute de quoi, le remboursement sort du périmètre exonéré.",{"type":137,"attrs":746,"content":748},{"textAlign":26,"key":747},"p-38",[749],{"text":750,"type":143,"marks":751},"Trois postes exclus du forfait télétravail :",[752],{"type":188},{"type":333,"content":754},[755,777,799],{"type":336,"content":756},[757],{"type":137,"attrs":758,"content":760},{"textAlign":26,"key":759},"p-39",[761,763,767,769,776],{"text":762,"type":143},"Les ",{"text":764,"type":143,"marks":765},"frais de repas",[766],{"type":188},{"text":768,"type":143},", couverts par un régime distinct — consultez notre guide sur les ",{"text":770,"type":143,"marks":771},"frais de repas et leurs limites d'indemnisation",[772,775],{"type":309,"attrs":773},{"href":774,"uuid":26,"anchor":26,"target":312,"linktype":122},"https://www.spendesk.com/fr/blog/frais-repas-reels-connaitre-limites-indemnisation/",{"type":188},{"text":226,"type":143},{"type":336,"content":778},[779],{"type":137,"attrs":780,"content":782},{"textAlign":26,"key":781},"p-40",[783,785,789,791,798],{"text":784,"type":143},"Le ",{"text":786,"type":143,"marks":787},"remboursement des frais de transport",[788],{"type":188},{"text":790,"type":143}," domicile-travail, qui relève du forfait mobilités durables (FMD) ou de la prise en charge obligatoire à 50 % des abonnements de transport en commun — voir notre article sur le ",{"text":792,"type":143,"marks":793},"remboursement des frais de déplacement",[794,797],{"type":309,"attrs":795},{"href":796,"uuid":26,"anchor":26,"target":312,"linktype":122},"https://www.spendesk.com/fr/blog/remboursement-frais-de-deplacement/",{"type":188},{"text":226,"type":143},{"type":336,"content":800},[801],{"type":137,"attrs":802,"content":804},{"textAlign":26,"key":803},"p-41",[805,806,810],{"text":784,"type":143},{"text":807,"type":143,"marks":808},"mobilier de luxe ou les équipements sans lien direct",[809],{"type":188},{"text":811,"type":143}," avec l'activité professionnelle.",{"type":137,"attrs":813,"content":815},{"textAlign":26,"key":814},"p-42",[816,820,822,829,831,835,837,841],{"text":817,"type":143,"marks":818},"Un point de vigilance récent.",[819],{"type":188},{"text":821,"type":143}," L'",{"text":823,"type":143,"marks":824},"arrêt n° 22-17.315 du 19 mars 2025",[825,828],{"type":309,"attrs":826},{"href":827,"uuid":26,"anchor":26,"target":312,"linktype":122},"https://www.legifrance.gouv.fr/juri/id/JURITEXT000051367876",{"type":188},{"text":830,"type":143}," de la Cour de cassation a confirmé que l'",{"text":832,"type":143,"marks":833},"indemnité d'occupation du domicile",[834],{"type":188},{"text":836,"type":143}," constitue une ",{"text":838,"type":143,"marks":839},"obligation distincte",[840],{"type":188},{"text":842,"type":143}," de l'allocation forfaitaire de télétravail. Si un salarié utilise une pièce de son logement à des fins professionnelles, l'employeur peut être tenu de verser cette indemnité en sus du forfait, même lorsque l'allocation forfaitaire est déjà versée.",{"type":285,"attrs":844,"content":845},{"level":287,"textAlign":26},[846],{"text":847,"type":143,"marks":848},"Forfait ou frais réels de télétravail : la grille de décision",[849],{"type":188},{"type":137,"attrs":851,"content":852},{"textAlign":26,"key":139},[853,855,859],{"text":854,"type":143},"Le choix entre ",{"text":856,"type":143,"marks":857},"forfait télétravail",[858],{"type":188},{"text":860,"type":143}," et remboursement au réel détermine la charge administrative de votre équipe finance et le niveau de couverture de vos collaborateurs.",{"type":137,"attrs":862,"content":863},{"textAlign":26,"key":205},[864,868,870,874],{"text":865,"type":143,"marks":866},"Le forfait",[867],{"type":188},{"text":869,"type":143}," est simple : un montant fixe par jour ou par mois, ",{"text":871,"type":143,"marks":872},"aucun justificatif à collecter",[873],{"type":188},{"text":875,"type":143},", exonération automatique dans les limites URSSAF. Revers : le montant est plafonné, ce qui peut être insuffisant pour certains profils.",{"type":137,"attrs":877,"content":878},{"textAlign":26,"key":229},[879,883,885,889,891,898],{"text":880,"type":143,"marks":881},"Le remboursement des frais réels de télétravail",[882],{"type":188},{"text":884,"type":143}," n'a pas de plafond d'exonération, à condition que chaque dépense soit justifiée par une ",{"text":886,"type":143,"marks":887},"facture originale ventilée au prorata",[888],{"type":188},{"text":890,"type":143}," de l'usage professionnel. La charge administrative est en revanche considérable. Pour approfondir, consultez notre article sur la ",{"text":892,"type":143,"marks":893},"gestion des frais professionnels",[894,897],{"type":309,"attrs":895},{"href":896,"uuid":26,"anchor":26,"target":312,"linktype":122},"https://www.spendesk.com/fr/blog/gestion-frais-professionnels/",{"type":188},{"text":226,"type":143},{"type":137,"attrs":900,"content":901},{"textAlign":26,"key":252},[902,906,908,912,914,918],{"text":903,"type":143,"marks":904},"L'angle fiscal à connaître.",[905],{"type":188},{"text":907,"type":143}," Les salariés qui optent pour la déduction des frais réels à l'impôt sur le revenu — en lieu et place de l'",{"text":909,"type":143,"marks":910},"abattement pour frais professionnels",[911],{"type":188},{"text":913,"type":143}," forfaitaire de 10 % — peuvent y inclure leurs dépenses de télétravail réellement engagées. Les ",{"text":915,"type":143,"marks":916},"frais de télétravail",[917],{"type":188},{"text":919,"type":143}," déclarés aux impôts sont alors déductibles au réel, sur justificatifs, dans la rubrique frais professionnels de la déclaration de revenus. Cette option ne s'applique pas au niveau employeur, mais peut orienter le conseil donné à vos collaborateurs.",{"type":137,"attrs":921,"content":922},{"textAlign":26,"key":295},[923],{"text":924,"type":143,"marks":925},"Grille pragmatique :",[926],{"type":188},{"type":333,"content":928},[929,940,951],{"type":336,"content":930},[931],{"type":137,"attrs":932,"content":933},{"textAlign":26,"key":326},[934,938],{"text":935,"type":143,"marks":936},"Moins de 50 télétravailleurs avec un rythme homogène",[937],{"type":188},{"text":939,"type":143}," (deux ou trois jours par semaine) : le forfait est presque toujours optimal. Simplicité maximale, risque de redressement minimal.",{"type":336,"content":941},[942],{"type":137,"attrs":943,"content":944},{"textAlign":26,"key":340},[945,949],{"text":946,"type":143,"marks":947},"Plus de 200 salariés avec des situations variées",[948],{"type":188},{"text":950,"type":143}," (full remote, flex office, temps partiel) : le réel peut se justifier pour les profils dont les frais dépassent significativement le plafond forfaitaire.",{"type":336,"content":952},[953],{"type":137,"attrs":954,"content":955},{"textAlign":26,"key":356},[956,960],{"text":957,"type":143,"marks":958},"Un régime mixte est possible",[959],{"type":188},{"text":961,"type":143}," : forfait pour la majorité, remboursement au réel pour les salariés en télétravail complet dont les dépenses documentées le justifient.",{"type":137,"attrs":963,"content":964},{"textAlign":26,"key":368},[965,968,970,974],{"text":656,"type":143,"marks":966},[967],{"type":188},{"text":969,"type":143}," Une DAF dans une entreprise de 80 personnes, dont 60 en télétravail deux jours par semaine. Forfait sans accord : 60 × 22 € = ",{"text":971,"type":143,"marks":972},"1 320 € mensuels exonérés",[973],{"type":188},{"text":975,"type":143},". Opter pour le réel impliquerait de collecter 60 factures d'électricité ventilées au prorata chaque mois — un effort administratif disproportionné pour un gain marginal. En revanche, pour les cinq salariés en full remote avec 150 € à 200 € de dépenses mensuelles, le réel peut être plus avantageux.",{"type":273,"attrs":977},{"id":978,"body":979},"f01f535b-21b9-4a79-acb0-134545a01f71",[980],{"_uid":981,"text":982,"color":983,"title":984,"component":985},"i-3a7fee80-740e-4f76-9aa8-a22d2d5f3552","L'indemnité d'occupation du domicile (arrêt mars 2025) peut être due en sus, que vous choisissiez le forfait ou le réel.","purple","Rappel","callout",{"type":285,"attrs":987,"content":988},{"level":287,"textAlign":26},[989],{"text":990,"type":143,"marks":991},"Traduire le barème en règles concrètes dans vos notes de frais",[992],{"type":188},{"type":137,"attrs":994,"content":995},{"textAlign":26,"key":380},[996,998,1002],{"text":997,"type":143},"Une fois le barème URSSAF compris, l'enjeu est de le ",{"text":999,"type":143,"marks":1000},"transposer en règles opérationnelles",[1001],{"type":188},{"text":1003,"type":143}," que votre outil de notes de frais applique sans intervention manuelle. Cinq étapes structurantes.",{"type":137,"attrs":1005,"content":1006},{"textAlign":26,"key":396},[1007,1011,1013,1015,1019],{"text":1008,"type":143,"marks":1009},"1. Créez une catégorie \"Frais de télétravail\" dédiée.",[1010],{"type":188},{"type":1012},"hard_break",{"text":1014,"type":143},"Séparée des frais de repas, de transport et de matériel, pour que chaque ligne soit ",{"text":1016,"type":143,"marks":1017},"identifiable sans ambiguïté",[1018],{"type":188},{"text":1020,"type":143}," lors d'un contrôle.",{"type":137,"attrs":1022,"content":1023},{"textAlign":26,"key":414},[1024,1028,1029,1031,1035],{"text":1025,"type":143,"marks":1026},"2. Paramétrez un plafond journalier automatique.",[1027],{"type":188},{"type":1012},{"text":1030,"type":143},"2,70 € sans accord collectif, 3,30 € avec accord. Toute note de frais dépassant ce seuil doit être ",{"text":1032,"type":143,"marks":1033},"bloquée avant validation",[1034],{"type":188},{"text":1036,"type":143},", sans intervention de l'équipe finance.",{"type":137,"attrs":1038,"content":1039},{"textAlign":26,"key":457},[1040,1044,1045,1047,1051],{"text":1041,"type":143,"marks":1042},"3. Configurez un contrôle d'agrégation mensuelle.",[1043],{"type":188},{"type":1012},{"text":1046,"type":143},"Un salarié peut soumettre 25 jours à 2,70 € (67,50 €) et dépasser le plafond mensuel de 59,40 €. La règle doit ",{"text":1048,"type":143,"marks":1049},"plafonner le cumul mensuel",[1050],{"type":188},{"text":1052,"type":143}," : 59,40 € sans accord, 72,60 € avec.",{"type":137,"attrs":1054,"content":1055},{"textAlign":26,"key":463},[1056,1060,1062,1063,1065,1069],{"text":1057,"type":143,"marks":1058},"4. Exigez la date du jour télétravaillé sur chaque ligne.",[1059],{"type":188},{"text":1061,"type":143}," ",{"type":1012},{"text":1064,"type":143},"Ce rapprochement permet de détecter les ",{"text":1066,"type":143,"marks":1067},"doublons",[1068],{"type":188},{"text":1070,"type":143}," (deux notes pour le même jour) et de vérifier la cohérence avec le planning déclaré.",{"type":137,"attrs":1072,"content":1073},{"textAlign":26,"key":474},[1074,1078,1079,1080,1082,1086],{"text":1075,"type":143,"marks":1076},"5. Distinguez sur le bulletin de paie l'allocation forfaitaire de l'indemnité d'occupation.",[1077],{"type":188},{"text":1061,"type":143},{"type":1012},{"text":1081,"type":143},"Cette séparation est ",{"text":1083,"type":143,"marks":1084},"indispensable depuis l'arrêt de mars 2025",[1085],{"type":188},{"text":226,"type":143},{"type":137,"attrs":1088,"content":1089},{"textAlign":26,"key":485},[1090,1092,1099],{"text":1091,"type":143},"Un contrôleur de gestion qui configure ces cinq règles voit les dépassements bloqués automatiquement avant la clôture de paie. Sans ce paramétrage, les excédents passent en paie et constituent autant de lignes redressables sur trois exercices. L'ensemble s'inscrit dans votre ",{"text":1093,"type":143,"marks":1094},"procédure de remboursement des notes de frais",[1095,1098],{"type":309,"attrs":1096},{"href":1097,"uuid":26,"anchor":26,"target":312,"linktype":122},"https://www.spendesk.com/fr/blog/procedure-remboursement-notes-de-frais-entreprise/",{"type":188},{"text":226,"type":143},{"type":285,"attrs":1101,"content":1102},{"level":287,"textAlign":26},[1103],{"text":1104,"type":143,"marks":1105},"Les conséquences d'un dépassement de plafond",[1106],{"type":188},{"type":273,"attrs":1108},{"id":275,"body":1109},[1110],{"_uid":1111,"asset":1112,"caption":52,"component":283},"i-42bdda40-5841-4cbe-8304-0882f0ad1ce0",{"id":1113,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1114,"copyright":52,"fieldtype":118,"meta_data":1115,"is_external_url":29},178487793044054,"https://a.storyblok.com/f/146026/2121x1414/5437f320f3/gobd-verfahrensdokumentation-team-buchhaltung.jpg",{},{"type":137,"attrs":1117,"content":1118},{"textAlign":26,"key":499},[1119,1121,1125],{"text":1120,"type":143},"Lorsque l'allocation forfaitaire dépasse les limites URSSAF, la ",{"text":1122,"type":143,"marks":1123},"fraction excédentaire est réintégrée dans l'assiette de cotisations sociales",[1124],{"type":188},{"text":1126,"type":143},". L'employeur règle les cotisations patronales sur le surplus ; le salarié voit la somme excédentaire requalifiée en revenu imposable.",{"type":137,"attrs":1128,"content":1129},{"textAlign":26,"key":508},[1130,1132,1136,1138,1142,1144,1148],{"text":1131,"type":143},"En cas de contrôle, l'",{"text":1133,"type":143,"marks":1134},"URSSAF peut redresser sur trois exercices",[1135],{"type":188},{"text":1137,"type":143}," (prescription triennale, article L.244-3 du Code de la sécurité sociale). Les majorations s'élèvent à ",{"text":1139,"type":143,"marks":1140},"5 % du montant redressé",[1141],{"type":188},{"text":1143,"type":143},", plus des intérêts moratoires. En cas de travail dissimulé, elles peuvent atteindre ",{"text":1145,"type":143,"marks":1146},"40 %",[1147],{"type":188},{"text":226,"type":143},{"type":137,"attrs":1150,"content":1151},{"textAlign":26,"key":517},[1152,1156,1158,1162,1164,1168,1170,1174],{"text":1153,"type":143,"marks":1154},"Un scénario concret.",[1155],{"type":188},{"text":1157,"type":143}," Une entreprise de 150 salariés verse 15 € par jour sans accord collectif. Plafond exonéré : 2,70 €. Excédent : ",{"text":1159,"type":143,"marks":1160},"12,30 € par jour et par salarié",[1161],{"type":188},{"text":1163,"type":143},". Avec une moyenne de 100 jours de télétravail par an : 12,30 × 100 × 150 = ",{"text":1165,"type":143,"marks":1166},"184 500 € d'assiette excédentaire par an",[1167],{"type":188},{"text":1169,"type":143},". Sur trois ans : ",{"text":1171,"type":143,"marks":1172},"553 500 €",[1173],{"type":188},{"text":1175,"type":143},", auxquels s'ajoutent les cotisations patronales (~45 %), les majorations et les intérêts. Le coût total peut atteindre plusieurs centaines de milliers d'euros.",{"type":137,"attrs":1177,"content":1178},{"textAlign":26,"key":528},[1179,1181,1185,1187,1194],{"text":1180,"type":143},"Ce risque est insidieux : les remboursements excessifs passent inaperçus dans les notes de frais jusqu'au contrôle. C'est précisément ce que l'",{"text":1182,"type":143,"marks":1183},"application automatique de plafonds par catégorie",[1184],{"type":188},{"text":1186,"type":143}," permet d'éviter. 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L'obligation entre en vigueur le ",{"text":4757,"type":143,"marks":4758},"1er septembre 2026",[4759],{"type":188},{"text":4761,"type":143}," pour les GE et ETI, le ",{"text":4763,"type":143,"marks":4764},"1er septembre 2027",[4765],{"type":188},{"text":4767,"type":143}," pour les PME et TPE.",{"_uid":4769,"hide":29,"title":4770,"component":1458,"description":4771},"f2120bd4-8d5b-418c-8549-38a360ae86a0","Les pénalités de retard s'appliquent-elles automatiquement ?",{"type":134,"content":4772},[4773],{"type":137,"attrs":4774,"content":4775},{"textAlign":26},[4776,4778,4782,4784,4788,4790,4794],{"text":4777,"type":143},"Oui, ",{"text":4779,"type":143,"marks":4780},"dès le premier jour suivant la date d'échéance",[4781],{"type":188},{"text":4783,"type":143},", sans mise en demeure préalable. Le taux applicable est le ",{"text":4785,"type":143,"marks":4786},"taux BCE majoré de 10 points",[4787],{"type":188},{"text":4789,"type":143}," (12,15 % au S1 2026), plus ",{"text":4791,"type":143,"marks":4792},"40 € d'indemnité forfaitaire",[4793],{"type":188},{"text":4795,"type":143}," par facture. Ces montants doivent figurer dans vos CGV et sur chaque facture fournisseur.",{"_uid":4797,"hide":29,"title":4798,"component":1458,"description":4799},"aabb0fa3-4bcf-4ae1-8b8e-b54e0db7a4fc","Quelle amende la DGCCRF peut-elle infliger pour retard de paiement ?",{"type":134,"content":4800},[4801],{"type":137,"attrs":4802,"content":4803},{"textAlign":26},[4804,4806,4810,4812,4816,4818,4822],{"text":4805,"type":143},"L'amende peut atteindre ",{"text":4807,"type":143,"marks":4808},"2 M€ par manquement",[4809],{"type":188},{"text":4811,"type":143}," pour une personne morale, doublée à ",{"text":4813,"type":143,"marks":4814},"4 M€ en cas de récidive",[4815],{"type":188},{"text":4817,"type":143}," dans les deux ans. La PPL Rietmann, adoptée en première lecture par le Sénat, prévoit un plafond relevé au plus élevé entre 2 M€ et ",{"text":4819,"type":143,"marks":4820},"1 % du chiffre d'affaires consolidé mondial",[4821],{"type":188},{"text":226,"type":143},{"_uid":4824,"hide":29,"title":4825,"component":1458,"description":4826},"a4c39d02-239a-4d7c-83b9-a9a07d1259c1","Quel est le délai de paiement légal en France entre entreprises ?",{"type":134,"content":4827},[4828],{"type":137,"attrs":4829,"content":4830},{"textAlign":26},[4831,4833,4837,4839,4843,4845,4849],{"text":4832,"type":143},"Le délai par défaut est de ",{"text":4834,"type":143,"marks":4835},"30 jours glissants",[4836],{"type":188},{"text":4838,"type":143}," à compter de la réception des marchandises ou de l'exécution de la prestation. Par accord contractuel, il peut être étendu à ",{"text":4840,"type":143,"marks":4841},"60 jours date de facture",[4842],{"type":188},{"text":4844,"type":143}," ou ",{"text":4846,"type":143,"marks":4847},"45 jours fin de mois",[4848],{"type":188},{"text":4850,"type":143},". 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00:00",[],"Découvrez la différence entre charges directes et indirectes, et comment une gestion optimisée de ces deux types de dépenses peut améliorer la performance financière de votre entreprise. Guide complet pour 2025.",[4951],{"_uid":4952,"items":4953,"heading":5006,"reverse":29,"component":1598,"sectionSettings":5023},"6154f608-393f-4efd-b316-6b600f016b9d",[4954,4962,4970,4979,4988,4997],{"_uid":4955,"title":3326,"component":1458,"description":4956},"56f8ef00-21a0-4adf-bf0c-7f7369596fd5",{"type":134,"content":4957},[4958],{"type":137,"content":4959},[4960],{"text":4961,"type":143},"La gestion des dépenses est le processus de suivi, contrôle et catégorisation de toutes les dépenses professionnelles pour garantir la conformité comptable. Spendesk centralise paiements, justificatifs et approbations grâce aux cartes physiques et virtuelles, capture mobile des reçus, règles de validation et exports comptables automatiques, ce qui réduit les erreurs et accélère la clôture financière.",{"_uid":4963,"title":3383,"component":1458,"description":4964},"b5723c49-0fb5-4733-9a4a-c5c61a7f1a86",{"type":134,"content":4965},[4966],{"type":137,"content":4967},[4968],{"text":4969,"type":143},"Spendesk est une plateforme qui centralise moyens de paiement, approbations et réconciliation pour automatiser la gestion des dépenses. Spendesk fournit cartes physiques et virtuelles, capture mobile des reçus, workflows d'approbation et règles de budgétisation, puis exporte automatiquement les écritures vers les outils comptables pour accélérer la réconciliation et la visibilité des coûts.",{"_uid":4971,"title":4972,"component":1458,"description":4973},"260d3c57-10a6-49cc-86e1-748b6180bbc1","Quelles sont les charges directes et comment les identifier ?",{"type":134,"content":4974},[4975],{"type":137,"content":4976},[4977],{"text":4978,"type":143},"Les charges directes sont des coûts qui peuvent être attribués directement à un produit, projet ou centre de profit. Spendesk permet d'identifier ces charges via le tagging des dépenses, l'affectation de budgets par projet et les règles de catégorisation automatique, ce qui facilite l'imputation comptable et le calcul précis de la marge par activité.",{"_uid":4980,"title":4981,"component":1458,"description":4982},"cf6ae950-40ed-43f6-aced-6bd02c7c0726","Quelles sont les charges indirectes et comment les gérer ?",{"type":134,"content":4983},[4984],{"type":137,"content":4985},[4986],{"text":4987,"type":143},"Les charges indirectes sont des coûts partagés entre plusieurs activités et non imputables directement à un seul produit. Spendesk facilite la gestion des charges indirectes en centralisant dépenses, en appliquant tags et règles d'allocation, et en exportant des rapports multi-dimensionnels pour répartir les frais généraux dans la comptabilité.",{"_uid":4989,"title":4990,"component":1458,"description":4991},"697609ae-3213-4d0d-8fad-e5842bc2d8b5","Comment automatiser la catégorisation des charges directes et indirectes avec Spendesk ?",{"type":134,"content":4992},[4993],{"type":137,"content":4994},[4995],{"text":4996,"type":143},"Spendesk automatise la catégorisation des charges avec des règles de mappage fournisseur, tags automatiques, attribution de comptes de charge et paramètres de TVA. Les cartes virtuelles et les workflows d'approbation garantissent que chaque dépense est étiquetée et exportée vers le bon compte comptable sans saisie manuelle.",{"_uid":4998,"title":4999,"component":1458,"description":5000},"b9d2655a-5a65-476d-9a36-d7c3fb710286","Pourquoi une catégorisation correcte des charges est-elle importante pour la comptabilité ?",{"type":134,"content":5001},[5002],{"type":137,"content":5003},[5004],{"text":5005,"type":143},"Une catégorisation correcte assure des états financiers fiables, un calcul exact de la TVA et des décisions budgétaires pertinentes. Spendesk fournit rapports granulaires, contrôle des approbations et exports comptables (CSV, Xero, QuickBooks) pour réduire les erreurs, accélérer les clôtures et améliorer la visibilité financière.",[5007],{"cta":5008,"_uid":5009,"title":5010,"eyebrow":5016,"subtitle":5019,"component":285,"textAlign":52,"sectionSettings":5022,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"55d6439e-2d6e-4d0b-811f-88833524e113",{"type":134,"content":5011},[5012],{"type":285,"attrs":5013,"content":5014},{"level":287},[5015],{"text":1592,"type":143},{"type":134,"content":5017},[5018],{"type":137},{"type":134,"content":5020},[5021],{"type":137},[],[5024],{"_uid":5025,"hide":29,"theme":4247,"anchorId":52,"component":4248,"spacingTop":52,"hideOnDevices":5026,"spacingBottom":52,"floatingImages":5027,"variableOverrides":5028},"887f5da9-8cd7-4c15-b74a-887884072568",[],[],[],"charges-directes-vs-indirectes","fr/blog/charges-directes-vs-indirectes",[],"c5aaf963-de62-4c46-b57d-cd48a4a26b74","2025-05-06T13:41:51.421Z",[],"blog/charges-directes-vs-indirectes",[5037,5038,5039],{"path":5035,"name":26,"lang":33,"published":26},{"path":5035,"name":26,"lang":39,"published":26},{"path":5035,"name":26,"lang":41,"published":26},{"name":5041,"created_at":5042,"published_at":5043,"updated_at":5044,"id":5045,"uuid":5046,"content":5047,"slug":5166,"full_slug":5167,"sort_by_date":26,"position":5168,"tag_list":5169,"is_startpage":29,"parent_id":26,"meta_data":26,"group_id":5170,"first_published_at":5043,"release_id":26,"lang":33,"path":26,"alternates":5171,"default_full_slug":5166,"translated_slugs":5172},"Virement SEPA fournisseur 2026 : pourquoi le \"Verification of Payee\" peut bloquer vos paiements et comment l'éviter","2026-06-19T05:19:27.826Z","2026-06-19T05:50:53.428Z","2026-06-19T05:50:53.448Z",189058121048356,"7a10bd8e-3482-40ed-9e06-35d17f9b09ca",{"_uid":5048,"title":5041,"topics":5049,"noIndex":29,"category":5058,"language":5067,"component":1425,"heroMedia":5068,"publishedAt":1446,"redirectUrl":52,"listingImage":5075,"metaDescription":5076,"bottomArticleCta":5077,"componentsAfterTheArticle":5078},"eec835b2-3545-4b39-a855-06a20b5ffd72",[5050],{"name":159,"created_at":160,"published_at":16,"updated_at":161,"id":162,"uuid":163,"content":5051,"slug":166,"full_slug":167,"sort_by_date":26,"position":168,"tag_list":5052,"is_startpage":29,"parent_id":170,"meta_data":26,"group_id":171,"first_published_at":172,"release_id":26,"lang":33,"path":26,"alternates":5053,"default_full_slug":174,"translated_slugs":5054,"_stopResolving":42},{"_uid":165,"name":159,"component":23},[],[],[5055,5056,5057],{"path":174,"name":26,"lang":33,"published":26},{"path":174,"name":26,"lang":39,"published":26},{"path":174,"name":26,"lang":41,"published":26},{"name":1413,"created_at":1414,"published_at":16,"updated_at":1415,"id":1416,"uuid":1417,"content":5059,"slug":1425,"full_slug":1426,"sort_by_date":26,"position":27,"tag_list":5061,"is_startpage":29,"parent_id":1428,"meta_data":26,"group_id":1429,"first_published_at":1430,"release_id":26,"lang":33,"path":26,"alternates":5062,"default_full_slug":1432,"translated_slugs":5063,"_stopResolving":42},{"_uid":1419,"icon":5060,"name":1413,"component":1424},{"id":1421,"alt":1422,"name":52,"focus":52,"title":52,"filename":1423,"copyright":52,"fieldtype":118,"is_external_url":29},[],[],[5064,5065,5066],{"path":1432,"name":26,"lang":33,"published":26},{"path":1432,"name":26,"lang":39,"published":26},{"path":1432,"name":26,"lang":41,"published":26},[33],[5069],{"_uid":5070,"asset":5071,"caption":52,"component":283},"ace26819-6228-4e11-b469-fc1e0e2d3464",{"id":5072,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":5073,"copyright":52,"fieldtype":118,"meta_data":5074,"is_external_url":29},158248270548124,"https://a.storyblok.com/f/146026/1536x1024/168b93ea18/financial-due-diligence.png",{},[],"Le controle IBAN VoP bloque les virements SEPA mal renseignés depuis octobre 2025. Découvrez comment fiabiliser vos données fournisseurs et éviter les rejets.",[],[5079],{"cta":5080,"_uid":5081,"items":5082,"heading":5143,"reverse":29,"component":1598,"sectionSettings":5165},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[5083,5093,5103,5113,5123,5133],{"_uid":5084,"hide":29,"title":5085,"component":1458,"description":5086},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes coordonnées fournisseurs pour que le Verification of Payee ne bloque pas mes virements ?",{"type":134,"content":5087},[5088],{"type":137,"attrs":5089,"content":5090},{"textAlign":26},[5091],{"text":5092,"type":143},"Deux priorités avant novembre 2026 : fiabiliser les dénominations légales du référentiel fournisseurs (audit SIRENE, standardisation de la forme juridique, validation de chaque IBAN par sa clé de contrôle) et instaurer un workflow de double vérification pour tout changement de coordonnées bancaires. Les cinq étapes détaillées dans cet article permettent de traiter un référentiel fournisseurs actif et de réduire les alertes \"No Match\" dès la prochaine campagne de paiement.",{"_uid":5094,"hide":29,"title":5095,"component":1458,"description":5096},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":134,"content":5097},[5098],{"type":137,"attrs":5099,"content":5100},{"textAlign":26},[5101],{"text":5102,"type":143},"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":5104,"hide":29,"title":5105,"component":1458,"description":5106},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":134,"content":5107},[5108],{"type":137,"attrs":5109,"content":5110},{"textAlign":26},[5111],{"text":5112,"type":143},"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":5114,"hide":29,"title":5115,"component":1458,"description":5116},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment le \"Verification of Payee\" aide-t-il à prévenir la fraude au virement fournisseur ?",{"type":134,"content":5117},[5118],{"type":137,"attrs":5119,"content":5120},{"textAlign":26},[5121],{"text":5122,"type":143},"Le VoP détecte automatiquement les incohérences entre le nom du bénéficiaire et le titulaire de l'IBAN. Si l'IBAN transmis ne correspond pas au fournisseur légitime, le PSP renvoie \"No Match\" et suspend le virement avant tout mouvement de fonds. Ce mécanisme couvre l'ensemble des virements SEPA standards et instantanés pour les PSP de la zone euro depuis le 9 octobre 2025.",{"_uid":5124,"hide":29,"title":5125,"component":1458,"description":5126},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":134,"content":5127},[5128],{"type":137,"attrs":5129,"content":5130},{"textAlign":26},[5131],{"text":5132,"type":143},"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":5134,"hide":29,"title":5135,"component":1458,"description":5136},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi un virement SEPA est-il rejeté quand le nom du bénéficiaire et l'IBAN ne correspondent pas ?",{"type":134,"content":5137},[5138],{"type":137,"attrs":5139,"content":5140},{"textAlign":26},[5141],{"text":5142,"type":143},"Depuis le 9 octobre 2025, le Verification of Payee (VoP) oblige les PSP de la zone euro à comparer le nom du bénéficiaire renseigné avec le titulaire réel du compte IBAN. Un écart significatif renvoie \"No Match\" : le PSP suspend le virement en attendant confirmation ou correction. La grande majorité des rejets observés depuis l'entrée en vigueur sont liés à des incohérences de dénomination plutôt qu'à des tentatives de fraude.",[5144],{"cta":5145,"_uid":5146,"title":5147,"eyebrow":5154,"subtitle":5160,"component":285,"textAlign":52,"eyebrowPill":29,"flexibleSection":5163,"sectionSettings":5164,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":134,"content":5148},[5149],{"type":285,"attrs":5150,"content":5151},{"level":287,"textAlign":26},[5152],{"text":5153,"type":143},"Ce qu'on nous demande souvent",{"type":134,"content":5155},[5156],{"type":137,"attrs":5157,"content":5158},{"textAlign":26},[5159],{"text":1592,"type":143},{"type":134,"content":5161},[5162],{"type":137},[],[],[],"controle-iban-virement-fournisseur","fr/controle-iban-virement-fournisseur",-610,[],"4dbb530f-c571-46bf-b167-d00a36df77f2",[],[5173,5174,5175],{"path":5166,"name":26,"lang":33,"published":26},{"path":5166,"name":26,"lang":39,"published":26},{"path":5166,"name":26,"lang":41,"published":26},{"name":5177,"created_at":5178,"published_at":5179,"updated_at":5180,"id":5181,"uuid":5182,"content":5183,"slug":5300,"full_slug":5301,"sort_by_date":26,"position":5302,"tag_list":5303,"is_startpage":29,"parent_id":26,"meta_data":26,"group_id":5304,"first_published_at":5179,"release_id":26,"lang":33,"path":26,"alternates":5305,"default_full_slug":5300,"translated_slugs":5306},"Code BIC/SWIFT : définition, format et méthode pour ne pas se tromper lors pour d'un virement 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00:00",[],"Le code SWIFT (ou BIC) identifie une banque lors d'un virement international. Découvrez sa structure, sa différence avec l'IBAN et comment trouver le bon code.",[],[5233],{"cta":5234,"_uid":5235,"items":5236,"heading":5277,"reverse":29,"component":1598,"sectionSettings":5299},[],"befd26d7-efbc-4547-b962-adcc04f65826",[5237,5247,5257,5267],{"_uid":5238,"hide":29,"title":5239,"component":1458,"description":5240},"ada4ffc1-fd17-4b8a-bc9f-9db853ed2f01","Que se passe-t-il si le code SWIFT est incorrect ?",{"type":134,"content":5241},[5242],{"type":137,"attrs":5243,"content":5244},{"textAlign":26},[5245],{"text":5246,"type":143},"Le virement est rejeté. Des frais de retour de 15 à 25 € s'appliquent dans la plupart des cas, et le bénéficiaire subit un retard de paiement pouvant atteindre une semaine supplémentaire.",{"_uid":5248,"hide":29,"title":5249,"component":1458,"description":5250},"57fecd02-9c21-458f-9f48-8556cb56b75e","Peut-on retrouver un code BIC à partir d'un IBAN ?",{"type":134,"content":5251},[5252],{"type":137,"attrs":5253,"content":5254},{"textAlign":26},[5255],{"text":5256,"type":143},"Non directement. Le format IBAN (27 caractères pour un compte français) et le code BIC (8 ou 11 caractères) reposent sur des référentiels distincts. L'annuaire SWIFT permet de retrouver le BIC à partir du nom de la banque et du pays, pas à partir de l'IBAN seul.",{"_uid":5258,"hide":29,"title":5259,"component":1458,"description":5260},"82995bda-869b-4d44-aa54-e554ae2a6798","Faut-il un code SWIFT pour un virement SEPA ?",{"type":134,"content":5261},[5262],{"type":137,"attrs":5263,"content":5264},{"textAlign":26},[5265],{"text":5266,"type":143},"Non. Pour un virement en euros au sein des 36 pays de la zone SEPA, l'IBAN suffit. Le code BIC/SWIFT devient nécessaire pour les virements hors zone SEPA ou dans une devise autre que l'euro.",{"_uid":5268,"hide":29,"title":5269,"component":1458,"description":5270},"7a70cf01-14f7-4adc-9ffe-2b34b031d07a","Un code SWIFT et un code BIC, est-ce la même chose ?",{"type":134,"content":5271},[5272],{"type":137,"attrs":5273,"content":5274},{"textAlign":26},[5275],{"text":5276,"type":143},"Oui, les deux termes sont parfaitement interchangeables. Sur tout formulaire de virement, c'est toujours le même code à 8 ou 11 caractères à renseigner.",[5278],{"cta":5279,"_uid":5280,"title":5281,"eyebrow":5288,"subtitle":5294,"component":285,"textAlign":52,"eyebrowPill":29,"flexibleSection":5297,"sectionSettings":5298,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"5c7ee3aa-b512-4f5f-a8c7-d9581888b444",{"type":134,"content":5282},[5283],{"type":285,"attrs":5284,"content":5285},{"level":318,"textAlign":26},[5286],{"text":5287,"type":143},"Ce qu'on nous demande souvent sur le sujet",{"type":134,"content":5289},[5290],{"type":137,"attrs":5291,"content":5292},{"textAlign":26},[5293],{"text":1592,"type":143},{"type":134,"content":5295},[5296],{"type":137},[],[],[],"code-bic-swift","fr/code-bic-swift",-600,[],"37a887be-888a-435a-9935-7b987d21c4bd",[],[5307,5308,5309],{"path":5300,"name":26,"lang":33,"published":26},{"path":5300,"name":26,"lang":39,"published":26},{"path":5300,"name":26,"lang":41,"published":26},{"name":5311,"created_at":5312,"published_at":5313,"updated_at":5314,"id":5315,"uuid":5316,"content":5317,"slug":5442,"full_slug":5443,"sort_by_date":26,"position":5444,"tag_list":5445,"is_startpage":29,"parent_id":26,"meta_data":26,"group_id":5446,"first_published_at":5313,"release_id":26,"lang":33,"path":26,"alternates":5447,"default_full_slug":5442,"translated_slugs":5448},"Cash flow : tout comprendre pour ne plus piloter votre PME à l'aveugle","2026-06-12T14:24:33.466Z","2026-06-12T15:18:14.870Z","2026-06-12T15:18:14.889Z",186714822549836,"29524e86-70f3-4363-b3c7-eebfaf409798",{"_uid":5318,"title":5311,"topics":5319,"noIndex":29,"category":5344,"language":5353,"component":1425,"heroMedia":5354,"publishedAt":5228,"redirectUrl":52,"listingImage":5355,"metaDescription":5362,"bottomArticleCta":5363,"componentsAfterTheArticle":5364},"a7868c7f-056d-4e7e-b938-12fb1b374287",[5320,5328,5336],{"name":159,"created_at":160,"published_at":16,"updated_at":161,"id":162,"uuid":163,"content":5321,"slug":166,"full_slug":167,"sort_by_date":26,"position":168,"tag_list":5322,"is_startpage":29,"parent_id":170,"meta_data":26,"group_id":171,"first_published_at":172,"release_id":26,"lang":33,"path":26,"alternates":5323,"default_full_slug":174,"translated_slugs":5324,"_stopResolving":42},{"_uid":165,"name":159,"component":23},[],[],[5325,5326,5327],{"path":174,"name":26,"lang":33,"published":26},{"path":174,"name":26,"lang":39,"published":26},{"path":174,"name":26,"lang":41,"published":26},{"name":3563,"created_at":3564,"published_at":16,"updated_at":3565,"id":3566,"uuid":3567,"content":5329,"slug":3570,"full_slug":3571,"sort_by_date":26,"position":3572,"tag_list":5330,"is_startpage":29,"parent_id":170,"meta_data":26,"group_id":3574,"first_published_at":3575,"release_id":26,"lang":33,"path":26,"alternates":5331,"default_full_slug":3577,"translated_slugs":5332,"_stopResolving":42},{"_uid":3569,"name":3563,"component":23},[],[],[5333,5334,5335],{"path":3577,"name":26,"lang":33,"published":26},{"path":3577,"name":26,"lang":39,"published":26},{"path":3577,"name":26,"lang":41,"published":26},{"name":3741,"created_at":3742,"published_at":16,"updated_at":3743,"id":3744,"uuid":3745,"content":5337,"slug":3748,"full_slug":3749,"sort_by_date":26,"position":3750,"tag_list":5338,"is_startpage":29,"parent_id":170,"meta_data":26,"group_id":3752,"first_published_at":3753,"release_id":26,"lang":33,"path":26,"alternates":5339,"default_full_slug":3755,"translated_slugs":5340,"_stopResolving":42},{"_uid":3747,"name":3741,"component":23},[],[],[5341,5342,5343],{"path":3755,"name":26,"lang":33,"published":26},{"path":3755,"name":26,"lang":39,"published":26},{"path":3755,"name":26,"lang":41,"published":26},{"name":1413,"created_at":1414,"published_at":16,"updated_at":1415,"id":1416,"uuid":1417,"content":5345,"slug":1425,"full_slug":1426,"sort_by_date":26,"position":27,"tag_list":5347,"is_startpage":29,"parent_id":1428,"meta_data":26,"group_id":1429,"first_published_at":1430,"release_id":26,"lang":33,"path":26,"alternates":5348,"default_full_slug":1432,"translated_slugs":5349,"_stopResolving":42},{"_uid":1419,"icon":5346,"name":1413,"component":1424},{"id":1421,"alt":1422,"name":52,"focus":52,"title":52,"filename":1423,"copyright":52,"fieldtype":118,"is_external_url":29},[],[],[5350,5351,5352],{"path":1432,"name":26,"lang":33,"published":26},{"path":1432,"name":26,"lang":39,"published":26},{"path":1432,"name":26,"lang":41,"published":26},[33],[],[5356],{"_uid":5357,"asset":5358,"caption":52,"component":283},"94df491d-5b57-475b-8e2b-9c0b9ab36ef4",{"id":5359,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":5360,"copyright":52,"fieldtype":118,"meta_data":5361,"is_external_url":29},21785633,"https://a.storyblok.com/f/146026/3060x2040/4cf07a2704/procurement-manager_header.png",{},"Cash flow : définition, formules de calcul (CFO, free cash flow) et leviers concrets pour améliorer la trésorerie de votre PME. Guide complet pour les DAF.",[],[5365],{"cta":5366,"_uid":5367,"items":5368,"heading":5419,"reverse":29,"component":1598,"sectionSettings":5441},[],"9f4994c7-e987-48cd-867e-6140b39dc84b",[5369,5379,5389,5399,5409],{"_uid":5370,"hide":29,"title":5371,"component":1458,"description":5372},"dc08235c-92a3-471e-aa7d-ec72d6c3465a","Comment traduire “cash flow” en français ?",{"type":134,"content":5373},[5374],{"type":137,"attrs":5375,"content":5376},{"textAlign":26},[5377],{"text":5378,"type":143},"L’équivalent français est “flux de trésorerie”. Dans la pratique, les professionnels de la finance utilisent indifféremment les deux termes. Le PCG et l’ANC emploient “tableau des flux de trésorerie” dans leurs textes normatifs.",{"_uid":5380,"hide":29,"title":5381,"component":1458,"description":5382},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":134,"content":5383},[5384],{"type":137,"attrs":5385,"content":5386},{"textAlign":26},[5387],{"text":5388,"type":143},"Le cash pooling est une technique de gestion de trésorerie utilisée par les groupes multi-entités. Il consiste à centraliser les soldes bancaires de plusieurs filiales sur un compte unique pour optimiser la trésorerie globale, en compensant les excédents des unes avec les besoins des autres.",{"_uid":5390,"hide":29,"title":5391,"component":1458,"description":5392},"fac9d191-26a7-42b8-9fb3-710f4fadaf2f","Le cash flow peut-il être négatif sans que l’entreprise soit en danger ?",{"type":134,"content":5393},[5394],{"type":137,"attrs":5395,"content":5396},{"textAlign":26},[5397],{"text":5398,"type":143},"Oui, dans deux cas fréquents : un investissement ponctuel important ou une saisonnalité marquée. Le signal d’alerte survient quand le cash flow reste négatif sur plusieurs trimestres consécutifs sans explication structurelle.",{"_uid":5400,"hide":29,"title":5401,"component":1458,"description":5402},"dffc6104-d8ea-46ae-be7d-9e2bb991e7bd","Quelle est la différence entre cash flow et résultat net ?",{"type":134,"content":5403},[5404],{"type":137,"attrs":5405,"content":5406},{"textAlign":26},[5407],{"text":5408,"type":143},"Le résultat net inclut des écritures comptables sans impact de trésorerie (amortissements, provisions). Le cash flow ne retient que les mouvements réels d’argent. Une entreprise peut afficher un bénéfice net tout en manquant de liquidités.",{"_uid":5410,"hide":29,"title":5411,"component":1458,"description":5412},"985e7d6f-893a-4760-802c-0b331a306fdf","Quelle est la formule du cash flow ?",{"type":134,"content":5413},[5414],{"type":137,"attrs":5415,"content":5416},{"textAlign":26},[5417],{"text":5418,"type":143},"La formule directe est : produits encaissés moins charges décaissées. En méthode indirecte, le cash flow opérationnel se calcule ainsi : résultat net, plus amortissements et provisions, moins la variation du BFR.",[5420],{"cta":5421,"_uid":5422,"title":5423,"eyebrow":5430,"subtitle":5436,"component":285,"textAlign":52,"eyebrowPill":29,"flexibleSection":5439,"sectionSettings":5440,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"d6f717fc-977e-4c61-950c-2eb5456901dc",{"type":134,"content":5424},[5425],{"type":285,"attrs":5426,"content":5427},{"level":287,"textAlign":26},[5428],{"text":5429,"type":143},"Les questions qu'on nous pose souvent",{"type":134,"content":5431},[5432],{"type":137,"attrs":5433,"content":5434},{"textAlign":26},[5435],{"text":1592,"type":143},{"type":134,"content":5437},[5438],{"type":137},[],[],[],"cash-flow-tout-comprendre","fr/cash-flow-tout-comprendre",-590,[],"1c0c0162-e38a-46c7-a692-721ee303aedb",[],[5449,5450,5451],{"path":5442,"name":26,"lang":33,"published":26},{"path":5442,"name":26,"lang":39,"published":26},{"path":5442,"name":26,"lang":41,"published":26},[5453,5454,5455,5456],["Reactive",4884],["Reactive",4264],["Reactive",5310],["Reactive",4140],["Island",5458],{"key":5459,"result":5460},"MarkdownRenderer_PqGvxW3kUQpX5nhLVa5jUktBvS9SglXxqCmySkbnE",{"head":5461},{"link":5462,"style":5463},[],[],1781888317702]