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Cela pose de nombreux problèmes pour maîtriser son ",{"text":149,"type":61,"marks":150},"plan de financement",[151],{"type":152,"attrs":153},"link",{"href":154,"uuid":155,"anchor":63,"target":63,"linktype":156,"story":157},"plan-de-financement","b4dfe19b-3fae-422b-87a8-6aea9235b9d2","story",{"name":158,"id":159,"uuid":155,"slug":154,"url":160,"full_slug":161,"_stopResolving":78},"Plan de financement de A à Z : guide pour PME",213437473,"blog/plan-de-financement","fr/blog/plan-de-financement",{"text":163,"type":61},". Il s'agit donc ici de limiter, voire de résoudre entièrement les problèmes de délais de paiement dans un contexte BtoB.",{"type":165,"attrs":166,"content":168},"heading",{"level":167},2,[169],{"text":170,"type":61},"Retards de paiement : définition",{"type":57,"content":172},[173],{"text":174,"type":61},"Un retard de paiement désigne un délai imprévu entre la réception d’une commande de bien ou de service et sa compensation. Cette définition revêt également un caractère légal, qu’il convient de prendre en compte pour qualifier si oui ou non une facture fait l’objet d’un retard de paiement.",{"type":57,"content":176},[177],{"type":178,"attrs":179},"blok",{"id":180,"body":181},"4f78bae6-10bc-41e9-8f05-03687df2ecc3",[182],{"_uid":183,"html":184,"component":185},"6dfc73dc-679d-4db7-9bb8-dd0a342eb936","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-250a6647-ebf5-4c94-9537-50a87a788834\">\u003Cspan class=\"hs-cta-node hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\" id=\"hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/250a6647-ebf5-4c94-9537-50a87a788834\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-250a6647-ebf5-4c94-9537-50a87a788834\" style=\"border-width:0px;\" height=\"630\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/250a6647-ebf5-4c94-9537-50a87a788834.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '250a6647-ebf5-4c94-9537-50a87a788834', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":165,"attrs":187,"content":189},{"level":188},3,[190],{"text":191,"type":61},"Comment sont qualifiés les retards de paiement ?",{"type":57,"content":193},[194],{"text":195,"type":61},"Tout vient à point à qui sait attendre, mais qui sait attendre sait peut-être aussi quand cela suffit.",{"type":57,"content":197},[198,200,206,208,213],{"text":199,"type":61},"Les ",{"text":201,"type":61,"marks":202},"recouvrement amiable de créances",[203],{"type":152,"attrs":204},{"href":205,"uuid":63,"anchor":63,"target":63,"linktype":34},"https://www.economie.gouv.fr/dgccrf/Publications/Vie-pratique/Fiches-pratiques/recouvrement-creances",{"text":207,"type":61}," de créances constitue le moyen le plus courant pour combler le retard pris par un paiement. Est-il alors possible de ",{"text":209,"type":61,"marks":210},"systématiser ses processus d’achats et s’assurer une réponse mesurée et informée",[211],{"type":212},"bold",{"text":214,"type":61}," sur la marche à suivre lors d’un retard de paiement ? On peut ainsi songer à se doter d’un outil dédié.",{"type":57,"content":216},[217,219,226,228,232],{"text":218,"type":61},"Le délai par principe, si la date de paiement n’est pas indiquée sur une ",{"text":220,"type":61,"marks":221},"facture",[222],{"type":152,"attrs":223},{"href":224,"uuid":225,"anchor":63,"target":63,"linktype":156},"nouvelle-fonctionnalite-gestion-factures","4eee37c0-3187-443d-b5ba-e3d4208d284f",{"text":227,"type":61},", se situe à ",{"text":229,"type":61,"marks":230},"30 jours à partir de la date de réception",[231],{"type":212},{"text":233,"type":61}," des marchandises, ou de la fin de la prestation de service.",{"type":165,"attrs":235,"content":236},{"level":188},[237],{"text":238,"type":61},"Quelles sont les causes les plus fréquentes de retards de paiement ?",{"type":57,"content":240},[241,243,247],{"text":242,"type":61},"Il convient de rappeler que la plupart des retards de paiement ne tiennent pas de malveillance de la part des payeurs. Les cas les plus courants concernent surtout des erreurs ",{"text":244,"type":61,"marks":245},"humaines dans la facturation ou dans la livraison",[246],{"type":212},{"text":248,"type":61},".",{"type":57,"content":250},[251,253,257],{"text":252,"type":61},"Au-delà du bénéfice du doute, on peut également citer ",{"text":254,"type":61,"marks":255},"le manque de suivi comme une cause majeure des retards de paiements qui traînent en longueur",[256],{"type":212},{"text":258,"type":61},". En outre, il s’agit parfois de préserver de bonnes relations avec un client en lui accordant un délai supplémentaire.",{"type":165,"attrs":260,"content":261},{"level":167},[262],{"text":263,"type":61},"Mettre en place une politique d’achats pour anticiper les retards de paiement",{"type":57,"content":265},[266,268,280,282,286],{"text":267,"type":61},"Les premières victimes des retards de paiement sont en effet les relations de confiance entretenues avec un client. Avant même le ",{"text":269,"type":61,"marks":270},"compte de résultat",[271],{"type":152,"attrs":272},{"href":273,"uuid":274,"anchor":63,"target":63,"linktype":156,"story":275},"compte-de-resultat","8b8b6b57-a556-43c2-b823-5b077d351b3b",{"name":276,"id":277,"uuid":274,"slug":273,"url":278,"full_slug":279,"_stopResolving":78},"Compte de résultat : savoir l’analyser et le piloter toute l’année",214317378,"blog/compte-de-resultat","fr/blog/compte-de-resultat",{"text":281,"type":61},", ",{"text":283,"type":61,"marks":284},"la qualité du suivi client est la première à pâtir des éventuels retards de paiement",[285],{"type":212},{"text":248,"type":61},{"type":57,"content":288},[289,291,295,297,301,314,318],{"text":290,"type":61},"S’il s’agit d’une relation de longue date, il est souhaitable de ",{"text":292,"type":61,"marks":293},"conserver la fidélité dont celle-ci découle",[294],{"type":212},{"text":296,"type":61},". Ainsi, ",{"text":298,"type":61,"marks":299},"les ",[300],{"type":212},{"text":302,"type":61,"marks":303},"rappels automatisés",[304,313],{"type":152,"attrs":305},{"href":306,"uuid":307,"anchor":63,"target":63,"linktype":156,"story":308},"automatisation-daf","f88442c8-71ae-42c9-a7b4-4f0cd9e861a8",{"name":309,"id":310,"uuid":307,"slug":306,"url":311,"full_slug":312,"_stopResolving":78},"Tout ce que vous devez (absolument) savoir sur l'automatisation de la DAF",208800779,"blog/automatisation-daf","fr/blog/automatisation-daf",{"type":212},{"text":315,"type":61,"marks":316}," permettent de mettre une saine distance",[317],{"type":212},{"text":319,"type":61}," entre le rappel du paiement et la personne chargée du suivi du dossier.",{"type":57,"content":321},[322,324,328],{"text":323,"type":61},"On peut notamment ",{"text":325,"type":61,"marks":326},"anticiper les mouvements financiers des nouveaux clients en examinant l’historique de ses prestataires",[327],{"type":212},{"text":248,"type":61},{"type":57,"content":330},[331],{"text":332,"type":61},"Ces vérifications valent souvent pour les clients dont la source de revenus peut être volatile. Une bonne connaissance du client, au-delà du simple aspect commercial, peut donc déjà rassurer.",{"type":165,"attrs":334,"content":335},{"level":188},[336],{"text":337,"type":61},"Ce que dit la loi sur les retards de paiement",{"type":57,"content":339},[340,342,346,348],{"text":341,"type":61},"Comme indiqué plus haut, le délai limite par principe fixé par les pouvoirs publics pour le paiement d’une facture d’une entreprise à une autre se situe à ",{"text":343,"type":61,"marks":344},"30 jours",[345],{"type":212},{"text":347,"type":61},". Passé ce délai, l’entreprise créancière est en droit ",{"text":349,"type":61,"marks":350},"d’engager des démarches légales afin d’être rémunérée et compensée pour le retard.",[351],{"type":212},{"type":57,"content":353},[354,356,360],{"text":355,"type":61},"Si la date de paiement est indiquée sur la facture, cette dernière ",{"text":357,"type":61,"marks":358},"prime naturellement, puisqu’elle correspond à un contrat commercial",[359],{"type":212},{"text":361,"type":61},", qui lie les deux parties dans leurs engagements respectifs.",{"type":57,"content":363},[364,366,370],{"text":365,"type":61},"Il est également essentiel de disposer de ",{"text":367,"type":61,"marks":368},"conditions générales de ventes (CGV)",[369],{"type":212},{"text":371,"type":61}," afin de se protéger de toute pratique commerciale douteuse et d’informer ses clients des modalités de réception des marchandises ou du service proposé.",{"type":165,"attrs":373,"content":374},{"level":188},[375],{"text":376,"type":61},"Comment calculer les pénalités de retard de paiement d'une facture ?",{"type":57,"content":378},[379],{"text":380,"type":61},"Les pénalités de retard de paiement font l’objet d’un calcul spécifique en fonction des CGV convenues lors du contrat de vente.",{"type":57,"content":382},[383],{"text":384,"type":61},"La méthode de calcul se présente comme suit :",{"type":386,"content":387},"bullet_list",[388],{"type":389,"content":390},"list_item",[391],{"type":57,"content":392},[393,395,399],{"text":394,"type":61},"Lex ",{"text":396,"type":61,"marks":397},"taux d’intérêt directeurs de la BCE de rigueur + 10%",[398],{"type":212},{"text":400,"type":61}," de majoration multiplié par le nombre de jours de retard",{"type":57,"content":402},[403,405,409],{"text":404,"type":61},"À noter que ",{"text":406,"type":61,"marks":407},"l’envoi d’une lettre recommandée n’est pas nécessaire pour ajouter des pénalités TTC à la somme due",[408],{"type":212},{"text":248,"type":61},{"type":165,"attrs":411,"content":412},{"level":188},[413],{"text":414,"type":61},"La gestion de factures au centre des missions d’achat",{"type":57,"content":416},[417],{"text":418,"type":61},"L’anticipation des éventuels retards de paiement peut constituer une solution préalable à la plupart des problèmes pouvant être à la source de certaines difficultés auprès de rares clients.",{"type":57,"content":420},[421,425],{"text":422,"type":61,"marks":423},"Avoir une bonne connaissance préalable des conditions de paiement et d’approvisionnement de ses prestataires",[424],{"type":212},{"text":426,"type":61}," peut en effet constituer une base de travail de grande qualité pour anticiper les difficultés potentielles.",{"type":57,"content":428},[429,431,435],{"text":430,"type":61},"De simples informations, librement accessibles, peuvent déjà ",{"text":432,"type":61,"marks":433},"donner une idée des capacités de paiement et de la rigueur d’un futur client",[434],{"type":212},{"text":436,"type":61},". 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Spendesk facilite la gestion des charges indirectes en centralisant dépenses, en appliquant tags et règles d'allocation, et en exportant des rapports multi-dimensionnels pour répartir les frais généraux dans la comptabilité.",{"_uid":4122,"title":4123,"component":637,"description":4124},"697609ae-3213-4d0d-8fad-e5842bc2d8b5","Comment automatiser la catégorisation des charges directes et indirectes avec Spendesk ?",{"type":54,"content":4125},[4126],{"type":57,"content":4127},[4128],{"text":4129,"type":61},"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":4131,"title":4132,"component":637,"description":4133},"b9d2655a-5a65-476d-9a36-d7c3fb710286","Pourquoi une catégorisation correcte des charges est-elle importante pour la comptabilité ?",{"type":54,"content":4134},[4135],{"type":57,"content":4136},[4137],{"text":4138,"type":61},"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.",[4140],{"cta":4141,"_uid":4142,"title":4143,"eyebrow":4149,"subtitle":4152,"component":165,"textAlign":25,"sectionSettings":4155,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"55d6439e-2d6e-4d0b-811f-88833524e113",{"type":54,"content":4144},[4145],{"type":165,"attrs":4146,"content":4147},{"level":167},[4148],{"text":690,"type":61},{"type":54,"content":4150},[4151],{"type":57},{"type":54,"content":4153},[4154],{"type":57},[],[4157],{"_uid":4158,"hide":31,"theme":702,"anchorId":25,"component":703,"spacingTop":25,"hideOnDevices":4159,"spacingBottom":25,"floatingImages":4160,"variableOverrides":4161},"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",[4170,4171,4172],{"path":4168,"name":63,"lang":69,"published":63},{"path":4168,"name":63,"lang":75,"published":63},{"path":4168,"name":63,"lang":77,"published":63},{"name":4174,"created_at":4175,"published_at":4176,"updated_at":4177,"id":4178,"uuid":4179,"content":4180,"slug":4299,"full_slug":4300,"sort_by_date":63,"position":4301,"tag_list":4302,"is_startpage":31,"parent_id":63,"meta_data":63,"group_id":4303,"first_published_at":4176,"release_id":63,"lang":69,"path":63,"alternates":4304,"default_full_slug":4299,"translated_slugs":4305},"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":4181,"title":4174,"topics":4182,"noIndex":31,"category":4191,"language":4200,"component":603,"heroMedia":4201,"publishedAt":3608,"redirectUrl":25,"listingImage":4208,"metaDescription":4209,"bottomArticleCta":4210,"componentsAfterTheArticle":4211},"eec835b2-3545-4b39-a855-06a20b5ffd72",[4183],{"name":81,"created_at":82,"published_at":17,"updated_at":83,"id":84,"uuid":85,"content":4184,"slug":89,"full_slug":90,"sort_by_date":63,"position":91,"tag_list":4185,"is_startpage":31,"parent_id":93,"meta_data":63,"group_id":94,"first_published_at":95,"release_id":63,"lang":69,"path":63,"alternates":4186,"default_full_slug":97,"translated_slugs":4187,"_stopResolving":78},{"_uid":87,"name":81,"component":88},[],[],[4188,4189,4190],{"path":97,"name":63,"lang":69,"published":63},{"path":97,"name":63,"lang":75,"published":63},{"path":97,"name":63,"lang":77,"published":63},{"name":591,"created_at":592,"published_at":17,"updated_at":593,"id":594,"uuid":595,"content":4192,"slug":603,"full_slug":604,"sort_by_date":63,"position":605,"tag_list":4194,"is_startpage":31,"parent_id":607,"meta_data":63,"group_id":608,"first_published_at":609,"release_id":63,"lang":69,"path":63,"alternates":4195,"default_full_slug":611,"translated_slugs":4196,"_stopResolving":78},{"_uid":597,"icon":4193,"name":591,"component":602},{"id":599,"alt":600,"name":25,"focus":25,"title":25,"filename":601,"copyright":25,"fieldtype":30,"is_external_url":31},[],[],[4197,4198,4199],{"path":611,"name":63,"lang":69,"published":63},{"path":611,"name":63,"lang":75,"published":63},{"path":611,"name":63,"lang":77,"published":63},[69],[4202],{"_uid":4203,"asset":4204,"caption":25,"component":624},"ace26819-6228-4e11-b469-fc1e0e2d3464",{"id":4205,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4206,"copyright":25,"fieldtype":30,"meta_data":4207,"is_external_url":31},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.",[],[4212],{"cta":4213,"_uid":4214,"items":4215,"heading":4276,"reverse":31,"component":698,"sectionSettings":4298},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[4216,4226,4236,4246,4256,4266],{"_uid":4217,"hide":31,"title":4218,"component":637,"description":4219},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes coordonnées fournisseurs pour que le Verification of Payee ne bloque pas mes virements ?",{"type":54,"content":4220},[4221],{"type":57,"attrs":4222,"content":4223},{"textAlign":63},[4224],{"text":4225,"type":61},"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":4227,"hide":31,"title":4228,"component":637,"description":4229},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":54,"content":4230},[4231],{"type":57,"attrs":4232,"content":4233},{"textAlign":63},[4234],{"text":4235,"type":61},"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":4237,"hide":31,"title":4238,"component":637,"description":4239},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":54,"content":4240},[4241],{"type":57,"attrs":4242,"content":4243},{"textAlign":63},[4244],{"text":4245,"type":61},"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":4247,"hide":31,"title":4248,"component":637,"description":4249},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment le \"Verification of Payee\" aide-t-il à prévenir la fraude au virement fournisseur ?",{"type":54,"content":4250},[4251],{"type":57,"attrs":4252,"content":4253},{"textAlign":63},[4254],{"text":4255,"type":61},"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":4257,"hide":31,"title":4258,"component":637,"description":4259},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":54,"content":4260},[4261],{"type":57,"attrs":4262,"content":4263},{"textAlign":63},[4264],{"text":4265,"type":61},"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":4267,"hide":31,"title":4268,"component":637,"description":4269},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi un virement SEPA est-il rejeté quand le nom du bénéficiaire et l'IBAN ne correspondent pas ?",{"type":54,"content":4270},[4271],{"type":57,"attrs":4272,"content":4273},{"textAlign":63},[4274],{"text":4275,"type":61},"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.",[4277],{"cta":4278,"_uid":4279,"title":4280,"eyebrow":4287,"subtitle":4293,"component":165,"textAlign":25,"eyebrowPill":31,"flexibleSection":4296,"sectionSettings":4297,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":54,"content":4281},[4282],{"type":165,"attrs":4283,"content":4284},{"level":167,"textAlign":63},[4285],{"text":4286,"type":61},"Ce qu'on nous demande souvent",{"type":54,"content":4288},[4289],{"type":57,"attrs":4290,"content":4291},{"textAlign":63},[4292],{"text":690,"type":61},{"type":54,"content":4294},[4295],{"type":57},[],[],[],"controle-iban-virement-fournisseur","fr/controle-iban-virement-fournisseur",-610,[],"4dbb530f-c571-46bf-b167-d00a36df77f2",[],[4306,4307,4308],{"path":4299,"name":63,"lang":69,"published":63},{"path":4299,"name":63,"lang":75,"published":63},{"path":4299,"name":63,"lang":77,"published":63},{"name":4310,"created_at":4311,"published_at":4312,"updated_at":4313,"id":4314,"uuid":4315,"content":4316,"slug":4433,"full_slug":4434,"sort_by_date":63,"position":4435,"tag_list":4436,"is_startpage":31,"parent_id":63,"meta_data":63,"group_id":4437,"first_published_at":4312,"release_id":63,"lang":69,"path":63,"alternates":4438,"default_full_slug":4433,"translated_slugs":4439},"Code BIC/SWIFT : définition, format et méthode pour ne pas se tromper lors pour d'un virement international","2026-06-12T15:38:21.318Z","2026-06-12T16:16:48.141Z","2026-06-12T16:16:48.164Z",186732959024944,"95cc4240-69c6-431a-8e77-42e9997ff532",{"_uid":4317,"title":4318,"topics":4319,"noIndex":31,"category":4344,"language":4353,"component":603,"heroMedia":4354,"publishedAt":4361,"redirectUrl":25,"listingImage":4362,"metaDescription":4363,"bottomArticleCta":4364,"componentsAfterTheArticle":4365},"4467bec0-d64a-4a6d-9b4a-635b1337facd","Code BIC/SWIFT : définition, format et méthode pour ne pas se tromper (lors d'un transfert 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00:00",[],"Le code SWIFT (ou BIC) identifie une banque lors d'un virement international. Découvrez sa structure, sa différence avec l'IBAN et comment trouver le bon code.",[],[4366],{"cta":4367,"_uid":4368,"items":4369,"heading":4410,"reverse":31,"component":698,"sectionSettings":4432},[],"befd26d7-efbc-4547-b962-adcc04f65826",[4370,4380,4390,4400],{"_uid":4371,"hide":31,"title":4372,"component":637,"description":4373},"ada4ffc1-fd17-4b8a-bc9f-9db853ed2f01","Que se passe-t-il si le code SWIFT est incorrect ?",{"type":54,"content":4374},[4375],{"type":57,"attrs":4376,"content":4377},{"textAlign":63},[4378],{"text":4379,"type":61},"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":4381,"hide":31,"title":4382,"component":637,"description":4383},"57fecd02-9c21-458f-9f48-8556cb56b75e","Peut-on retrouver un code BIC à partir d'un IBAN ?",{"type":54,"content":4384},[4385],{"type":57,"attrs":4386,"content":4387},{"textAlign":63},[4388],{"text":4389,"type":61},"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":4391,"hide":31,"title":4392,"component":637,"description":4393},"82995bda-869b-4d44-aa54-e554ae2a6798","Faut-il un code SWIFT pour un virement SEPA ?",{"type":54,"content":4394},[4395],{"type":57,"attrs":4396,"content":4397},{"textAlign":63},[4398],{"text":4399,"type":61},"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":4401,"hide":31,"title":4402,"component":637,"description":4403},"7a70cf01-14f7-4adc-9ffe-2b34b031d07a","Un code SWIFT et un code BIC, est-ce la même chose ?",{"type":54,"content":4404},[4405],{"type":57,"attrs":4406,"content":4407},{"textAlign":63},[4408],{"text":4409,"type":61},"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.",[4411],{"cta":4412,"_uid":4413,"title":4414,"eyebrow":4421,"subtitle":4427,"component":165,"textAlign":25,"eyebrowPill":31,"flexibleSection":4430,"sectionSettings":4431,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"5c7ee3aa-b512-4f5f-a8c7-d9581888b444",{"type":54,"content":4415},[4416],{"type":165,"attrs":4417,"content":4418},{"level":188,"textAlign":63},[4419],{"text":4420,"type":61},"Ce qu'on nous demande souvent sur le sujet",{"type":54,"content":4422},[4423],{"type":57,"attrs":4424,"content":4425},{"textAlign":63},[4426],{"text":690,"type":61},{"type":54,"content":4428},[4429],{"type":57},[],[],[],"code-bic-swift","fr/code-bic-swift",-600,[],"37a887be-888a-435a-9935-7b987d21c4bd",[],[4440,4441,4442],{"path":4433,"name":63,"lang":69,"published":63},{"path":4433,"name":63,"lang":75,"published":63},{"path":4433,"name":63,"lang":77,"published":63},{"name":4444,"created_at":4445,"published_at":4446,"updated_at":4447,"id":4448,"uuid":4449,"content":4450,"slug":4575,"full_slug":4576,"sort_by_date":63,"position":4577,"tag_list":4578,"is_startpage":31,"parent_id":63,"meta_data":63,"group_id":4579,"first_published_at":4446,"release_id":63,"lang":69,"path":63,"alternates":4580,"default_full_slug":4575,"translated_slugs":4581},"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":4451,"title":4444,"topics":4452,"noIndex":31,"category":4477,"language":4486,"component":603,"heroMedia":4487,"publishedAt":4361,"redirectUrl":25,"listingImage":4488,"metaDescription":4495,"bottomArticleCta":4496,"componentsAfterTheArticle":4497},"a7868c7f-056d-4e7e-b938-12fb1b374287",[4453,4461,4469],{"name":81,"created_at":82,"published_at":17,"updated_at":83,"id":84,"uuid":85,"content":4454,"slug":89,"full_slug":90,"sort_by_date":63,"position":91,"tag_list":4455,"is_startpage":31,"parent_id":93,"meta_data":63,"group_id":94,"first_published_at":95,"release_id":63,"lang":69,"path":63,"alternates":4456,"default_full_slug":97,"translated_slugs":4457,"_stopResolving":78},{"_uid":87,"name":81,"component":88},[],[],[4458,4459,4460],{"path":97,"name":63,"lang":69,"published":63},{"path":97,"name":63,"lang":75,"published":63},{"path":97,"name":63,"lang":77,"published":63},{"name":2654,"created_at":2655,"published_at":17,"updated_at":2656,"id":2657,"uuid":2658,"content":4462,"slug":577,"full_slug":2661,"sort_by_date":63,"position":2662,"tag_list":4463,"is_startpage":31,"parent_id":93,"meta_data":63,"group_id":2664,"first_published_at":2665,"release_id":63,"lang":69,"path":63,"alternates":4464,"default_full_slug":2667,"translated_slugs":4465,"_stopResolving":78},{"_uid":2660,"name":2654,"component":88},[],[],[4466,4467,4468],{"path":2667,"name":63,"lang":69,"published":63},{"path":2667,"name":63,"lang":75,"published":63},{"path":2667,"name":63,"lang":77,"published":63},{"name":103,"created_at":104,"published_at":17,"updated_at":105,"id":106,"uuid":107,"content":4470,"slug":110,"full_slug":111,"sort_by_date":63,"position":112,"tag_list":4471,"is_startpage":31,"parent_id":93,"meta_data":63,"group_id":114,"first_published_at":115,"release_id":63,"lang":69,"path":63,"alternates":4472,"default_full_slug":117,"translated_slugs":4473,"_stopResolving":78},{"_uid":109,"name":103,"component":88},[],[],[4474,4475,4476],{"path":117,"name":63,"lang":69,"published":63},{"path":117,"name":63,"lang":75,"published":63},{"path":117,"name":63,"lang":77,"published":63},{"name":591,"created_at":592,"published_at":17,"updated_at":593,"id":594,"uuid":595,"content":4478,"slug":603,"full_slug":604,"sort_by_date":63,"position":605,"tag_list":4480,"is_startpage":31,"parent_id":607,"meta_data":63,"group_id":608,"first_published_at":609,"release_id":63,"lang":69,"path":63,"alternates":4481,"default_full_slug":611,"translated_slugs":4482,"_stopResolving":78},{"_uid":597,"icon":4479,"name":591,"component":602},{"id":599,"alt":600,"name":25,"focus":25,"title":25,"filename":601,"copyright":25,"fieldtype":30,"is_external_url":31},[],[],[4483,4484,4485],{"path":611,"name":63,"lang":69,"published":63},{"path":611,"name":63,"lang":75,"published":63},{"path":611,"name":63,"lang":77,"published":63},[69],[],[4489],{"_uid":4490,"asset":4491,"caption":25,"component":624},"94df491d-5b57-475b-8e2b-9c0b9ab36ef4",{"id":4492,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":4493,"copyright":25,"fieldtype":30,"meta_data":4494,"is_external_url":31},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.",[],[4498],{"cta":4499,"_uid":4500,"items":4501,"heading":4552,"reverse":31,"component":698,"sectionSettings":4574},[],"9f4994c7-e987-48cd-867e-6140b39dc84b",[4502,4512,4522,4532,4542],{"_uid":4503,"hide":31,"title":4504,"component":637,"description":4505},"dc08235c-92a3-471e-aa7d-ec72d6c3465a","Comment traduire “cash flow” en français ?",{"type":54,"content":4506},[4507],{"type":57,"attrs":4508,"content":4509},{"textAlign":63},[4510],{"text":4511,"type":61},"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":4513,"hide":31,"title":4514,"component":637,"description":4515},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":54,"content":4516},[4517],{"type":57,"attrs":4518,"content":4519},{"textAlign":63},[4520],{"text":4521,"type":61},"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":4523,"hide":31,"title":4524,"component":637,"description":4525},"fac9d191-26a7-42b8-9fb3-710f4fadaf2f","Le cash flow peut-il être négatif sans que l’entreprise soit en danger ?",{"type":54,"content":4526},[4527],{"type":57,"attrs":4528,"content":4529},{"textAlign":63},[4530],{"text":4531,"type":61},"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":4533,"hide":31,"title":4534,"component":637,"description":4535},"dffc6104-d8ea-46ae-be7d-9e2bb991e7bd","Quelle est la différence entre cash flow et résultat net ?",{"type":54,"content":4536},[4537],{"type":57,"attrs":4538,"content":4539},{"textAlign":63},[4540],{"text":4541,"type":61},"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":4543,"hide":31,"title":4544,"component":637,"description":4545},"985e7d6f-893a-4760-802c-0b331a306fdf","Quelle est la formule du cash flow ?",{"type":54,"content":4546},[4547],{"type":57,"attrs":4548,"content":4549},{"textAlign":63},[4550],{"text":4551,"type":61},"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.",[4553],{"cta":4554,"_uid":4555,"title":4556,"eyebrow":4563,"subtitle":4569,"component":165,"textAlign":25,"eyebrowPill":31,"flexibleSection":4572,"sectionSettings":4573,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"d6f717fc-977e-4c61-950c-2eb5456901dc",{"type":54,"content":4557},[4558],{"type":165,"attrs":4559,"content":4560},{"level":167,"textAlign":63},[4561],{"text":4562,"type":61},"Les questions qu'on nous pose souvent",{"type":54,"content":4564},[4565],{"type":57,"attrs":4566,"content":4567},{"textAlign":63},[4568],{"text":690,"type":61},{"type":54,"content":4570},[4571],{"type":57},[],[],[],"cash-flow-tout-comprendre","fr/cash-flow-tout-comprendre",-590,[],"1c0c0162-e38a-46c7-a692-721ee303aedb",[],[4582,4583,4584],{"path":4575,"name":63,"lang":69,"published":63},{"path":4575,"name":63,"lang":75,"published":63},{"path":4575,"name":63,"lang":77,"published":63},[4586,4587,4588,4589],["Reactive",2634],["Reactive",3340],["Reactive",3771],["Reactive",2706],1782482518419]