[{"data":1,"prerenderedAt":5207},["ShallowReactive",2],{"fr-blog/audit-comptable-et-financier":3,"fr-global-content":1138,"fr-article-global-content":2714,"fr-blog-article-more-articles-d0994ca0-a555-425e-b68f-d17b0657cfdb":2966,"fr-blog-article-more-articles-213425165":5202},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1125,"full_slug":1126,"sort_by_date":52,"position":1127,"tag_list":1128,"is_startpage":29,"parent_id":1129,"meta_data":52,"group_id":1130,"first_published_at":1131,"release_id":52,"lang":58,"path":52,"alternates":1132,"default_full_slug":1133,"translated_slugs":1134},"Audit comptable et financier : définition et astuces","2022-11-02T17:44:13.827Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:45.130Z",213425165,"5c5d8ec7-872e-4540-84b1-923700e2438b",{"_uid":11,"roles":12,"title":4,"author":13,"topics":68,"content":91,"noIndex":29,"category":1015,"language":1041,"component":1028,"heroMedia":1042,"sidebarCta":1052,"publishedAt":1053,"readingTime":1054,"redirectUrl":23,"listingImage":1055,"metaDescription":1056,"componentsAfterTheArticle":1057},"0ea93374-7eea-4e9f-af1e-b874ae9c6bb8",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":50,"full_slug":51,"sort_by_date":52,"position":53,"tag_list":54,"is_startpage":29,"parent_id":55,"meta_data":52,"group_id":56,"first_published_at":57,"release_id":52,"lang":58,"path":52,"alternates":59,"default_full_slug":60,"translated_slugs":61,"_stopResolving":67},"Laurence Kermorgant","2022-10-19T17:43:32.473Z","2026-03-12T10:47:22.250Z",206167982,"ad5e9865-33b0-4e4f-87fb-87854da52c85",{"_uid":20,"name":14,"links":21,"picture":36,"lastName":38,"component":39,"firstName":40,"description":41},"7b6af6e6-4cef-414b-b406-e7f20b9f0876",[22],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","fc35f0d4-4b24-4a61-9b3e-74da38f7994c",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/in/laurence-kermorgant-5018a52/","url","multilink","primary","cta",{"alt":37,"name":23,"focus":23,"title":23,"filename":37,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/c873863fcb/laurence-kermorgant.jpeg","Kermorgant","author","Laurence",{"type":42,"content":43},"doc",[44],{"type":45,"content":46},"paragraph",[47],{"text":48,"type":49},"Laurence Kermorgant est rédactrice web SEO. Diplômée d'expertise comptable, Laurence a 30 ans d'expérience professionnelle dans les métiers de la banque, du commissariat aux comptes et de la finance d'entreprise. Elle a exercé principalement dans les secteurs de l'agroalimentaire et de la métallurgie, tant dans des PME françaises que des groupes anglo-saxons et américains.","text","laurence-kermorgant","fr/blog/author/laurence-kermorgant",null,-860,[],176408854,"ea6e443c-29db-4708-b9a6-5239d19881b7","2022-11-02T15:25:44.771Z","fr",[],"blog/author/laurence-kermorgant",[62,63,65],{"path":60,"name":52,"lang":58,"published":52},{"path":60,"name":52,"lang":64,"published":52},"de",{"path":60,"name":52,"lang":66,"published":52},"es",true,[69],{"name":70,"created_at":71,"published_at":6,"updated_at":72,"id":73,"uuid":74,"content":75,"slug":78,"full_slug":79,"sort_by_date":52,"position":80,"tag_list":81,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":83,"first_published_at":84,"release_id":52,"lang":58,"path":52,"alternates":85,"default_full_slug":86,"translated_slugs":87,"_stopResolving":67},"Comptabilité","2022-10-19T17:57:49.664Z","2026-03-12T10:47:22.734Z",206171401,"d0994ca0-a555-425e-b68f-d17b0657cfdb",{"_uid":76,"name":70,"component":77},"1dc6497e-1135-45e9-a2c6-426facc382ba","tag","comptabilite","fr/blog/topic/comptabilite",-50,[],176456153,"0cd4ad6e-957d-466c-ad0c-f730e74c8b7a","2022-11-02T15:24:55.833Z",[],"blog/topic/comptabilite",[88,89,90],{"path":86,"name":52,"lang":58,"published":52},{"path":86,"name":52,"lang":64,"published":52},{"path":86,"name":52,"lang":66,"published":52},{"type":42,"content":92},[93,99,105,118,124,131,156,162,186,192,215,243,252,257,284,289,307,312,330,335,353,358,388,393,408,413,425,430,451,456,482,487,517,522,546,551,578,583,608,613,624,629,652,675,680,703,708,719,724,742,775,781,786,803,824,829,840,845,856,861,884,889,918,935,940,949,1001,1006],{"type":45,"attrs":94,"content":96},{"textAlign":52,"key":95},"p-0",[97],{"text":98,"type":49},"Qu’il soit interne ou externe, l’audit financier d’une entreprise reste une vérification. Qui dit contrôle dit souvent certification, respect de normes et détection d’anomalies dans les comptes de l’entreprise.",{"type":45,"attrs":100,"content":102},{"textAlign":52,"key":101},"p-1",[103],{"text":104,"type":49},"Mais en quoi consiste réellement la mission d’un auditeur ? Comment procède un commissaire aux comptes pour mener sa mission ?",{"type":45,"attrs":106,"content":108},{"textAlign":52,"key":107},"p-2",[109,111,116],{"text":110,"type":49},"Quel est le rôle du DAF face à un ",{"text":112,"type":49,"marks":113},"audit comptable et financier",[114],{"type":115},"bold",{"text":117,"type":49}," ?",{"type":45,"attrs":119,"content":121},{"textAlign":52,"key":120},"p-3",[122],{"text":123,"type":49},"Nous répondons à toutes ces questions dans cet article et vous communiquons aussi des astuces afin de faire de l’audit et de l’auditeur des alliés pour votre entreprise.",{"type":125,"attrs":126,"content":128},"heading",{"level":127,"textAlign":52},2,[129],{"text":130,"type":49},"Qu’est-ce qu’un audit comptable et financier ?",{"type":45,"attrs":132,"content":134},{"textAlign":52,"key":133},"p-4",[135,137,141,143,147,149],{"text":136,"type":49},"Beaucoup d’entreprises sont confrontées aux auditeurs et à leurs ",{"text":138,"type":49,"marks":139},"missions de contrôle des états financiers",[140],{"type":115},{"text":142,"type":49},". Regardons quelle est la ",{"text":144,"type":49,"marks":145},"définition de l’audit financier",[146],{"type":115},{"text":148,"type":49}," et quels sont les objectifs de ces audits. Attachons-nous à comprendre ensuite comment opère l’auditeur financier le plus fréquent, le ",{"text":150,"type":49,"marks":151},"commissaire aux comptes.",[152],{"type":153,"attrs":154},"link",{"href":155,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://h3c.org/normes/audit-des-comptes-mis-en-oeuvre-dans-le-cadre-de-la-certification-des-comptes/",{"type":125,"attrs":157,"content":159},{"level":158,"textAlign":52},3,[160],{"text":161,"type":49},"Quel est le rôle de l’audit comptable et financier ?",{"type":45,"attrs":163,"content":165},{"textAlign":52,"key":164},"p-5",[166,168,172,174,178,180,184],{"text":167,"type":49},"Qu’il s’agisse d’une mission interne ou externe à l’entreprise, légale ou contractuelle, les objectifs d’un audit financier demeurent sensiblement les mêmes. Les missions visent à s’assurer de la ",{"text":169,"type":49,"marks":170},"conformité des comptes",[171],{"type":115},{"text":173,"type":49},", à mesurer le ",{"text":175,"type":49,"marks":176},"niveau de risques encourus",[177],{"type":115},{"text":179,"type":49}," ainsi qu’à vérifier la ",{"text":181,"type":49,"marks":182},"santé financière",[183],{"type":115},{"text":185,"type":49}," des entités contrôlées.",{"type":125,"attrs":187,"content":189},{"level":188,"textAlign":52},4,[190],{"text":191,"type":49},"Certifier la régularité et sincérité des comptes annuels",{"type":45,"attrs":193,"content":195},{"textAlign":52,"key":194},"p-6",[196,198,202,204,213],{"text":197,"type":49},"Cette mission reste la plus connue. Elle consiste à auditer l’entreprise et ses flux afin de ",{"text":199,"type":49,"marks":200},"certifier ou pas ses états financiers ",[201],{"type":115},{"text":203,"type":49},"et évaluer les risques financiers liés à l’activité. Ces informations sont enfin compilées au sein d’un rapport d’audit. Selon la forme juridique, ",{"text":205,"type":49,"marks":206},"les seuils obligeant à désigner un commissaire aux comptes",[207,211],{"type":153,"attrs":208},{"href":209,"uuid":52,"anchor":52,"target":210,"linktype":32},"https://www.service-public.fr/professionnels-entreprises/vosdroits/F31440","_blank",{"type":212},"underline",{"text":214,"type":49}," fluctuent. Par exemple, pour une SAS, il suffit de dépasser deux des trois seuils suivants :",{"type":216,"content":217},"bullet_list",[218,227,235],{"type":219,"content":220},"list_item",[221],{"type":45,"attrs":222,"content":224},{"textAlign":52,"key":223},"p-7",[225],{"text":226,"type":49},"4 000 000 € de total bilan ;",{"type":219,"content":228},[229],{"type":45,"attrs":230,"content":232},{"textAlign":52,"key":231},"p-8",[233],{"text":234,"type":49},"8 000 000 € de chiffre d’affaires HT ;",{"type":219,"content":236},[237],{"type":45,"attrs":238,"content":240},{"textAlign":52,"key":239},"p-9",[241],{"text":242,"type":49},"50 salariés.",{"type":244,"attrs":245},"blok",{"id":246,"body":247},"873ee472-8b85-4aa3-bb4a-5659f042a699",[248],{"_uid":249,"html":250,"component":251},"i-211c72ee-9587-48b7-96d1-15864e437295","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\">\u003Cspan class=\"hs-cta-node hs-cta-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\" id=\"hs-cta-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-4f609ab1-a26c-42b2-a6e6-ac3cf77fb726\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/4f609ab1-a26c-42b2-a6e6-ac3cf77fb726.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, '4f609ab1-a26c-42b2-a6e6-ac3cf77fb726', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":125,"attrs":253,"content":254},{"level":188,"textAlign":52},[255],{"text":256,"type":49},"Analyser les risques encourus par l’entreprise et les dysfonctionnements",{"type":45,"attrs":258,"content":260},{"textAlign":52,"key":259},"p-10",[261,263,267,274,276,282],{"text":262,"type":49},"Dans toutes les missions d’audit financier et comptable, il existe un volet d’évaluation des risques. Par définition, un risque comporte toujours un coût financier. Par son approche des risques, l’auditeur ",{"text":264,"type":49,"marks":265},"examine notamment le ",[266],{"type":115},{"text":268,"type":49,"marks":269},"contrôle interne",[270,273],{"type":153,"attrs":271},{"href":272,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/blog/processus-de-traitement-des-factures-fournisseurs/",{"type":115},{"text":275,"type":49},". Il apprécie ",{"text":277,"type":49,"marks":278},"la fiabilité des procédures",[279],{"type":153,"attrs":280},{"href":281,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/blog/piste-d-audit-fiable/",{"text":283,"type":49}," et réalise des tests. Dans ce cadre, il identifie des dysfonctionnements et des anomalies. Il en fait part aux dirigeants afin que des corrections soient apportées.",{"type":125,"attrs":285,"content":286},{"level":188,"textAlign":52},[287],{"text":288,"type":49},"Examiner la pérennité de l’entreprise",{"type":45,"attrs":290,"content":292},{"textAlign":52,"key":291},"p-11",[293,295,299,301],{"text":294,"type":49},"L’un des objectifs d’un audit financier consiste aussi à vérifier que l’entreprise est en bonne santé financière et que ",{"text":296,"type":49,"marks":297},"sa gestion garantit sa pérennité",[298],{"type":115},{"text":300,"type":49},". Là encore, les commissaires aux comptes disposent d’outils comme l’analyse des documents d’information financière et prévisionnelle, sans oublier la ",{"text":302,"type":49,"marks":303},"procédure d’alerte.",[304],{"type":153,"attrs":305},{"href":306,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.legifrance.gouv.fr/codes/id/LEGISCTA000006146054",{"type":125,"attrs":308,"content":309},{"level":158,"textAlign":52},[310],{"text":311,"type":49},"Quelles sont les différentes missions d’audit des états financiers ?",{"type":45,"attrs":313,"content":315},{"textAlign":52,"key":314},"p-12",[316,318,322,324,328],{"text":317,"type":49},"L’audit comptable et financier peut revêtir plusieurs formes. L’auditeur, qu’il soit interne ou externe, dispose d’une ",{"text":319,"type":49,"marks":320},"formation spécifique",[321],{"type":115},{"text":323,"type":49}," et ",{"text":325,"type":49,"marks":326},"poursuit le même but",[327],{"type":115},{"text":329,"type":49},", tant pour une mission légale que contractuelle.",{"type":125,"attrs":331,"content":332},{"level":188,"textAlign":52},[333],{"text":334,"type":49},"L’audit légal des comptes en vue de la certification",{"type":45,"attrs":336,"content":338},{"textAlign":52,"key":337},"p-13",[339,341,345,347,351],{"text":340,"type":49},"Cette mission ",{"text":342,"type":49,"marks":343},"exige la désignation",[344],{"type":115},{"text":346,"type":49}," par l’assemblée générale de l’auditeur inscrit à la Compagnie des commissaires aux comptes. Bien que rémunéré par l’entreprise, il reste indépendant. Il émet son opinion sur les comptes ",{"text":348,"type":49,"marks":349},"en toute autonomie",[350],{"type":115},{"text":352,"type":49},". Il peut être amené à révéler des faits délictueux au procureur de la République.",{"type":125,"attrs":354,"content":355},{"level":188,"textAlign":52},[356],{"text":357,"type":49},"L’audit interne à l’entreprise",{"type":45,"attrs":359,"content":361},{"textAlign":52,"key":360},"p-14",[362,364,368,370,374,376,380,382,386],{"text":363,"type":49},"Les grandes entreprises et les groupes internationaux disposent souvent d’un ",{"text":365,"type":49,"marks":366},"département audit interne",[367],{"type":115},{"text":369,"type":49}," rattaché à la direction générale et en contact étroit avec les fonctions corporate de l’organisation (services comptables et ressources humaines). Par leur ",{"text":371,"type":49,"marks":372},"approche des risques",[373],{"type":115},{"text":375,"type":49},", ces auditeurs doivent apporter l’assurance que l’activité, le service, le département, le site industriel, etc. ",{"text":377,"type":49,"marks":378},"maîtrisent leurs opérations et leur gestion comptable",[379],{"type":115},{"text":381,"type":49},". Ils aident les acteurs de l’entreprise et ",{"text":383,"type":49,"marks":384},"établissent des propositions ",[385],{"type":115},{"text":387,"type":49},"et des tableaux de bord pour corriger ou renforcer la gouvernance suite à l’audit interne.",{"type":125,"attrs":389,"content":390},{"level":188,"textAlign":52},[391],{"text":392,"type":49},"Les missions d’audit contractuel",{"type":45,"attrs":394,"content":396},{"textAlign":52,"key":395},"p-15",[397,399,406],{"text":398,"type":49},"Les entreprises qui n’ont pas l’obligation de recourir à un commissaire aux comptes font parfois appel à un audit contractuel de leurs comptes par un professionnel, expert-comptable ou commissaires aux comptes, souvent par le biais d’un cabinet d’audit. La ",{"text":400,"type":49,"marks":401},"lettre de mission",[402,405],{"type":153,"attrs":403},{"href":404,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://h3c.org/normes/lettre-de-mission/",{"type":115},{"text":407,"type":49}," délimite l’intervention de l’audit externe, dans le respect des normes de travail et de la déontologie professionnelle.",{"type":125,"attrs":409,"content":410},{"level":158,"textAlign":52},[411],{"text":412,"type":49},"Comment opère un commissaire aux comptes ?",{"type":45,"attrs":414,"content":416},{"textAlign":52,"key":415},"p-16",[417,419,423],{"text":418,"type":49},"L’audit financier et comptable légal comporte toujours ",{"text":420,"type":49,"marks":421},"plusieurs phases structurées",[422],{"type":115},{"text":424,"type":49},", de la préparation de la mission à l’émission du rapport. Voici le déroulement standard appliqué par les cabinets.",{"type":125,"attrs":426,"content":427},{"level":188,"textAlign":52},[428],{"text":429,"type":49},"Intervention intérimaire",{"type":45,"attrs":431,"content":433},{"textAlign":52,"key":432},"p-17",[434,436,440,442,449],{"text":435,"type":49},"Lors de l’intervention dite intérimaire, les commissaires aux comptes mettent à jour leur dossier sur le plan du ",{"text":437,"type":49,"marks":438},"contrôle interne et de l’analyse des risques",[439],{"type":115},{"text":441,"type":49},". Cette mission permet de déterminer pour chaque cycle le niveau de contrôles à réaliser à la fin de l’exercice. Ils en profitent pour préparer les ",{"text":443,"type":49,"marks":444},"circularisations",[445,448],{"type":153,"attrs":446},{"href":447,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://doc.cncc.fr/docs/nep-505-demandes-de-confirmation",{"type":115},{"text":450,"type":49}," ou demandes de confirmation de comptes auprès des clients, fournisseurs, banques, avocats et lieux de stockage.",{"type":125,"attrs":452,"content":453},{"level":188,"textAlign":52},[454],{"text":455,"type":49},"Préparation de la mission finale",{"type":45,"attrs":457,"content":459},{"textAlign":52,"key":458},"p-18",[460,462,466,468,472,474,480],{"text":461,"type":49},"Le chef de mission ",{"text":463,"type":49,"marks":464},"organise l’intervention en fonction",[465],{"type":115},{"text":467,"type":49}," des informations financières recueillies lors de la mission intérimaire. Il détermine le niveau de vérifications nécessaires par cycle. Il affecte les techniques d’audit et les ressources du cabinet à la réalisation de ces contrôles. Il planifie les différentes missions d’audit sur place ou à distance. Il ",{"text":469,"type":49,"marks":470},"communique avec la direction financière ",[471],{"type":115},{"text":473,"type":49},"et ses experts-comptables pour cette coordination. Il se fait envoyer les balances générales et auxiliaires, le ",{"text":475,"type":49,"marks":476},"fichier FEC",[477],{"type":153,"attrs":478},{"href":479,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/blog/controle-fiscal-entreprise/",{"text":481,"type":49},", etc. les jours qui précèdent le début de la mission.",{"type":125,"attrs":483,"content":484},{"level":188,"textAlign":52},[485],{"text":486,"type":49},"Réalisation des contrôles",{"type":45,"attrs":488,"content":490},{"textAlign":52,"key":489},"p-19",[491,493,497,499,503,505,509,511,515],{"text":492,"type":49},"C’est la partie de l’audit comptable et financier la plus visible pour tous les interlocuteurs dans l’entreprise. Ils voient souvent des armées d’auditeurs arriver pour plusieurs jours dans leurs murs. Des ",{"text":494,"type":49,"marks":495},"contrôles physiques",[496],{"type":115},{"text":498,"type":49}," comme les stocks ou les caisses sont réalisés par le commissaire aux comptes. Des ",{"text":500,"type":49,"marks":501},"entretiens avec les responsables",[502],{"type":115},{"text":504,"type":49}," permettent d’enrichir les informations et la compréhension des tests et sondages. Les auditeurs ",{"text":506,"type":49,"marks":507},"documentent leurs travaux",[508],{"type":115},{"text":510,"type":49}," et effectuent des ",{"text":512,"type":49,"marks":513},"points intermédiaires",[514],{"type":115},{"text":516,"type":49}," avec la direction financière.",{"type":125,"attrs":518,"content":519},{"level":188,"textAlign":52},[520],{"text":521,"type":49},"Établissement des rapports",{"type":45,"attrs":523,"content":525},{"textAlign":52,"key":524},"p-20",[526,528,532,534,538,540,544],{"text":527,"type":49},"À l’issue des interventions, les auditeurs s’assurent que tous les points en suspens sont résolus. Ils organisent la ",{"text":529,"type":49,"marks":530},"réunion de synthèse",[531],{"type":115},{"text":533,"type":49}," avec les dirigeants. Puis vient le temps de l’",{"text":535,"type":49,"marks":536},"émission de leur rapport",[537],{"type":115},{"text":539,"type":49},". C’est la phase finale de la ",{"text":541,"type":49,"marks":542},"certification des comptes annuels avec ou sans réserve",[543],{"type":115},{"text":545,"type":49},", voire le refus de certification, avant la tenue de l’assemblée générale.",{"type":125,"attrs":547,"content":548},{"level":127,"textAlign":52},[549],{"text":550,"type":49},"Le DAF, l’interlocuteur privilégié de l’auditeur financier",{"type":45,"attrs":552,"content":553},{"textAlign":52,"key":95},[554,556,562,564,570,572,576],{"text":555,"type":49},"Vous êtes directeur administratif et financier ? C’est donc vous qui échangez le plus avec le chef de la mission d’audit comptable et financier. Comme pour tout contrôle, qu’il soit fiscal, réalisé par les ",{"text":557,"type":49,"marks":558},"douanes",[559],{"type":153,"attrs":560},{"href":561,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.douane.gouv.fr/fiche/tout-savoir-sur-les-controles-douaniers",{"text":563,"type":49},", ",{"text":565,"type":49,"marks":566},"l’Urssaf",[567],{"type":153,"attrs":568},{"href":569,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.urssaf.fr/controle",{"text":571,"type":49}," ou un commissaire aux comptes, votre ",{"text":573,"type":49,"marks":574},"rôle s’avère crucial",[575],{"type":115},{"text":577,"type":49}," pour le bon déroulé de ces missions et leurs conclusions.",{"type":125,"attrs":579,"content":580},{"level":158,"textAlign":52},[581],{"text":582,"type":49},"Quel est le rôle de la direction financière dans un audit financier ?",{"type":45,"attrs":584,"content":585},{"textAlign":52,"key":101},[586,588,594,596,600,602,606],{"text":587,"type":49},"L’audit comptable et financier consiste pour beaucoup à manipuler et analyser les données chiffrées de l’entreprise. Le ",{"text":589,"type":49,"marks":590},"DAF",[591],{"type":153,"attrs":592},{"href":593,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/blog/devenir-directeur-financier/",{"text":595,"type":49},", réel gardien du temple, est au ",{"text":597,"type":49,"marks":598},"cœur du processus",[599],{"type":115},{"text":601,"type":49},". Son ",{"text":603,"type":49,"marks":604},"action de cadrage",[605],{"type":115},{"text":607,"type":49}," permet à l’entreprise de maîtriser le déroulement de la mission et de s’assurer que les auditeurs avancent dans leurs travaux sans dépasser le strict domaine de l’audit.",{"type":125,"attrs":609,"content":610},{"level":188,"textAlign":52},[611],{"text":612,"type":49},"Le DAF, l’interlocuteur des commissaires aux comptes toute l’année",{"type":45,"attrs":614,"content":615},{"textAlign":52,"key":107},[616,618,622],{"text":617,"type":49},"Contrairement à une idée reçue, le commissaire aux comptes dispose d’une ",{"text":619,"type":49,"marks":620},"mission permanente chez son client",[621],{"type":115},{"text":623,"type":49},", cela pendant 6 ans. Il peut s’inquiéter plusieurs fois dans l’exercice de la marche de l’entreprise, surtout quand des signes de difficultés financières existent. C’est vers le DAF qu’il se tourne systématiquement.",{"type":125,"attrs":625,"content":626},{"level":188,"textAlign":52},[627],{"text":628,"type":49},"Une fonction d’organisation de l’audit financier",{"type":45,"attrs":630,"content":631},{"textAlign":52,"key":120},[632,634,638,640,644,646,650],{"text":633,"type":49},"Comme pour tout contrôle externe dans l’entreprise, ",{"text":635,"type":49,"marks":636},"la gestion et le cadrage de la mission",[637],{"type":115},{"text":639,"type":49}," s’avèrent fondamentaux. Le directeur financier doit savoir ",{"text":641,"type":49,"marks":642},"quel auditeur contrôle quoi et quels sont ses interlocuteurs",[643],{"type":115},{"text":645,"type":49}," dans l’entreprise. Il s’assure de la ",{"text":647,"type":49,"marks":648},"disponibilité de ses équipes",[649],{"type":115},{"text":651,"type":49}," aux dates prévues, sinon il négocie un changement de planning.",{"type":45,"attrs":653,"content":654},{"textAlign":52,"key":133},[655,657,661,663,667,669,673],{"text":656,"type":49},"Il échange avec ",{"text":658,"type":49,"marks":659},"tous les responsables",[660],{"type":115},{"text":662,"type":49}," de la société pour caler les dates d’inventaires physiques, les entretiens et sondages dans les services opérationnels, etc. Il s’assure de la ",{"text":664,"type":49,"marks":665},"qualité du dossier de révision",[666],{"type":115},{"text":668,"type":49}," des comptes préparé par son équipe. Il fait réserver les salles de réunion pour ",{"text":670,"type":49,"marks":671},"accueillir correctement",[672],{"type":115},{"text":674,"type":49}," les auditeurs.",{"type":125,"attrs":676,"content":677},{"level":188,"textAlign":52},[678],{"text":679,"type":49},"Un rôle central pour les sujets sensibles et les points intermédiaires à la mission",{"type":45,"attrs":681,"content":682},{"textAlign":52,"key":164},[683,685,689,691,695,697,701],{"text":684,"type":49},"Tout au long de la mission, ",{"text":686,"type":49,"marks":687},"le DAF reste à l’écoute et s’informe",[688],{"type":115},{"text":690,"type":49}," auprès de ses équipes de l’avancée des travaux. Il relève ainsi les points de contrôles potentiellement à problème. Il demande à tous les services de lui communiquer ces éléments au fil de l’eau afin de ",{"text":692,"type":49,"marks":693},"préparer les argumentaires",[694],{"type":115},{"text":696,"type":49}," en vue de la réunion de synthèse. Il ",{"text":698,"type":49,"marks":699},"échange avec les auditeurs en cas de désaccord",[700],{"type":115},{"text":702,"type":49}," sur la méthode de comptabilisation d’une écriture ou d’évaluation d’un actif.",{"type":125,"attrs":704,"content":705},{"level":158,"textAlign":52},[706],{"text":707,"type":49},"Quelles étapes suivre pour préparer son audit comptable ?",{"type":45,"attrs":709,"content":710},{"textAlign":52,"key":194},[711,713,717],{"text":712,"type":49},"Vous êtes DAF ? La préparation évite le stress et l’improvisation. ",{"text":714,"type":49,"marks":715},"Ne laissez pas votre responsable comptable seul",[716],{"type":115},{"text":718,"type":49}," dans cette étape. Votre implication et votre supervision constituent en outre un gage de votre professionnalisme pour les auditeurs.",{"type":125,"attrs":720,"content":721},{"level":188,"textAlign":52},[722],{"text":723,"type":49},"La préparation évite l’improvisation",{"type":45,"attrs":725,"content":726},{"textAlign":52,"key":223},[727,729,733,740],{"text":728,"type":49},"N’attendez pas la veille de l’intervention des auditeurs pour vous préoccuper du dossier de révision interne. Si votre ",{"text":730,"type":49,"marks":731},"planning ",[732],{"type":115},{"text":734,"type":49,"marks":735},"d’arrêté du bilan",[736,739],{"type":153,"attrs":737},{"href":738,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/blog/astuces-cloture-comptable-entreprise/",{"type":115},{"text":741,"type":49}," est correctement établi, il intègre dans son compte à rebours l’intervention des commissaires aux comptes.",{"type":45,"attrs":743,"content":744},{"textAlign":52,"key":231},[745,747,751,753,759,761,765,767,773],{"text":746,"type":49},"Éventuellement, en cas de délais très courts, du style J +10, ",{"text":748,"type":49,"marks":749},"négociez avec le cabinet l’ordre d’examen des cycles comptables",[750],{"type":115},{"text":752,"type":49},". Priorisez alors la préparation du dossier interne en fonction des dates des cycles à auditer. Certains postes de la comptabilité peuvent être vérifiés sur la base du mois qui précède la ",{"text":754,"type":49,"marks":755},"clôture",[756],{"type":153,"attrs":757},{"href":758,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/blog/processus-cloture-mensuelle-comptable/",{"text":760,"type":49},", selon un ",{"text":762,"type":49,"marks":763},"processus appelé",[764],{"type":115},{"text":766,"type":49}," ",{"text":768,"type":49,"marks":769},"hard close",[770,771],{"type":115},{"type":772},"italic",{"text":774,"type":49},".",{"type":244,"attrs":776},{"id":246,"body":777},[778],{"_uid":779,"html":780,"component":251},"i-81603546-7740-4a0f-b86f-46e73ffa751c","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-5a02d50d-180b-45fa-9a11-b7868d10d3ef\">\u003Cspan class=\"hs-cta-node hs-cta-5a02d50d-180b-45fa-9a11-b7868d10d3ef\" id=\"hs-cta-5a02d50d-180b-45fa-9a11-b7868d10d3ef\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/5a02d50d-180b-45fa-9a11-b7868d10d3ef\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-5a02d50d-180b-45fa-9a11-b7868d10d3ef\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/5a02d50d-180b-45fa-9a11-b7868d10d3ef.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, '5a02d50d-180b-45fa-9a11-b7868d10d3ef', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":125,"attrs":782,"content":783},{"level":188,"textAlign":52},[784],{"text":785,"type":49},"Anticiper les questions par une révision du dossier en amont de l’intervention",{"type":45,"attrs":787,"content":788},{"textAlign":52,"key":239},[789,791,795,797],{"text":790,"type":49},"Plus vos équipes vous remontent des points de révision à problème, dans le cadre de leur propre examen des comptes, ",{"text":792,"type":49,"marks":793},"plus vous êtes armé pour recevoir les auditeurs",[794],{"type":115},{"text":796,"type":49},". Vous avez ainsi le temps de réfléchir à la gestion des erreurs ou incertitudes en vue de la certification et au regard du ",{"text":798,"type":49,"marks":799},"seuil de signification.",[800],{"type":153,"attrs":801},{"href":802,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000038654746",{"type":45,"attrs":804,"content":805},{"textAlign":52,"key":259},[806,808,812,818,822],{"text":807,"type":49},"D’ailleurs, la mise en place d’un ",{"text":809,"type":49,"marks":810},"bon ",[811],{"type":115},{"text":268,"type":49,"marks":813},[814,817],{"type":153,"attrs":815},{"href":816,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.amf-france.org/fr/actualites-publications/publications/rapports-etudes-et-analyses/cadre-de-reference-sur-les-dispositifs-de-gestion-des-risques-et-de-controle-interne",{"type":115},{"text":819,"type":49,"marks":820}," avec des procédures écrites",[821],{"type":115},{"text":823,"type":49}," et des vérifications périodiques contribue à être prêt en permanence. Éduquez les collaborateurs comptables et le contrôle de gestion à s’auto-auditer régulièrement.",{"type":125,"attrs":825,"content":826},{"level":158,"textAlign":52},[827],{"text":828,"type":49},"Comment faire de l’audit légal un allié et non une contrainte pour l’entreprise ?",{"type":45,"attrs":830,"content":831},{"textAlign":52,"key":291},[832,834,838],{"text":833,"type":49},"On ne va pas se mentir. Même si le suivi d’un audit comptable et financier fait partie des attributions du DAF, il ne constitue pas toujours la phase la plus intéressante et réjouissante du métier. Pourtant, ",{"text":835,"type":49,"marks":836},"avec quelques astuces",[837],{"type":115},{"text":839,"type":49},", vous pouvez rendre l’intervention du cabinet d’auditeurs agréable.",{"type":125,"attrs":841,"content":842},{"level":188,"textAlign":52},[843],{"text":844,"type":49},"Le commissaire aux comptes, le mal aimé des services comptables ?",{"type":45,"attrs":846,"content":847},{"textAlign":52,"key":314},[848,850,854],{"text":849,"type":49},"Pour que ",{"text":851,"type":49,"marks":852},"vos collaborateurs vivent bien la présence des auditeurs",[853],{"type":115},{"text":855,"type":49},", soyez vigilants. Planifiez les dates d’intervention. C’est fondamental. Évitez que la comptabilité soit inondée de demandes de documents comptables la semaine de début de mois pendant laquelle s’établit la situation mensuelle et l’arrêt des écritures comptables. Exigez de toute votre équipe qu’elle vous remonte les difficultés rencontrées au jour le jour. Interposez-vous si besoin auprès des auditeurs pour tempérer.",{"type":125,"attrs":857,"content":858},{"level":188,"textAlign":52},[859],{"text":860,"type":49},"Profiter des audits financiers pour réviser ses procédures et méthodes comptables",{"type":45,"attrs":862,"content":863},{"textAlign":52,"key":337},[864,866,870,872,876,878,882],{"text":865,"type":49},"L’audit comptable et financier s’effectue avec de l’expertise, selon des méthodes de contrôle et des normes professionnelles bien rodées. ",{"text":867,"type":49,"marks":868},"Les réunions de synthèse",[869],{"type":115},{"text":871,"type":49}," apportent souvent des éclairages intéressants sur la lecture des chiffres de l’entreprise et sur les points d’amélioration. Utilisez ces moments d’échange pour ",{"text":873,"type":49,"marks":874},"faire progresser la société dans la maîtrise de ses flux",[875],{"type":115},{"text":877,"type":49},". Les recommandations des auditeurs s’avèrent en général pertinentes. Considérez-les comme un ",{"text":879,"type":49,"marks":880},"conseil à suivre",[881],{"type":115},{"text":883,"type":49},". En mettant en place des actions correctrices, vous contribuez à bonifier le dossier pour le prochain audit et à améliorer la maîtrise des risques liés à l’activité.",{"type":125,"attrs":885,"content":886},{"level":188,"textAlign":52},[887],{"text":888,"type":49},"Respecter et se faire respecter des auditeurs financiers : collaborer proactivement",{"type":45,"attrs":890,"content":891},{"textAlign":52,"key":360},[892,894,898,900,904,906,910,912,916],{"text":893,"type":49},"Une mission d’audit comptable et financier se déroule plus facilement ",{"text":895,"type":49,"marks":896},"dans la sérénité",[897],{"type":115},{"text":899,"type":49}," quand elle est ",{"text":901,"type":49,"marks":902},"préparée et supervisée par le DAF",[903],{"type":115},{"text":905,"type":49}," et ses équipes. Notez aussi que l’attitude proactive et l’anticipation contribuent à ",{"text":907,"type":49,"marks":908},"crédibiliser la direction financière auprès des contrôleurs",[909],{"type":115},{"text":911,"type":49},". Faites-vous respecter des intervenants, échangez avec eux régulièrement, intéressez-vous à leurs travaux. Ce comportement ouvert et ferme vous honore. Il ",{"text":913,"type":49,"marks":914},"influence positivement l’opinion des auditeurs",[915],{"type":115},{"text":917,"type":49}," concernant le service financier de l’entreprise.",{"type":45,"attrs":919,"content":920},{"textAlign":52,"key":395},[921,923,927,929,933],{"text":922,"type":49},"L’audit financier fait partie de la vie des services administratifs en entreprise. Même s’il peut prendre des formes variées, la plus courante étant le commissariat aux comptes, il poursuit des objectifs semblables et se prépare d’une manière identique. ",{"text":924,"type":49,"marks":925},"En tant que DAF",[926],{"type":115},{"text":928,"type":49},", c’est bien de votre responsabilité d’",{"text":930,"type":49,"marks":931},"anticiper l’intervention des auditeurs",[932],{"type":115},{"text":934,"type":49}," et de faire en sorte que les travaux se déroulent au mieux. C’est un enjeu réel, tant pour votre équipe auditée que pour la certification de vos états financiers.",{"type":125,"attrs":936,"content":937},{"level":127,"textAlign":52},[938],{"text":939,"type":49},"Soyez prêt pour l’audit financier en gérant notamment vos dépenses",{"type":45,"attrs":941,"content":942},{"textAlign":52,"key":415},[943,947],{"text":944,"type":49,"marks":945},"Spendesk vous aide à être préparé",[946],{"type":115},{"text":948,"type":49}," à tout moment pour ce type d’audit comptable et financier :",{"type":216,"content":950},[951,958,989],{"type":219,"content":952},[953],{"type":45,"attrs":954,"content":955},{"textAlign":52,"key":432},[956],{"text":957,"type":49},"Suivi à jour de vos dépenses et relevé des frais ;",{"type":219,"content":959},[960],{"type":45,"attrs":961,"content":962},{"textAlign":52,"key":458},[963,965,980,981,987],{"text":964,"type":49},"Enregistrement électronique de toutes les ",{"text":966,"type":49,"marks":967},"factures fournisseurs",[968],{"type":153,"attrs":969},{"href":970,"uuid":971,"anchor":52,"target":972,"linktype":973,"story":974},"/fr/platform/invoice-management","9e3b6790-947e-43d1-acab-ba4d5dcd9ea8","_self","story",{"name":975,"id":976,"uuid":971,"slug":977,"url":978,"full_slug":979,"_stopResolving":67},"Invoice management ",126360243,"invoice-management","platform/invoice-management","fr/platform/invoice-management",{"text":323,"type":49},{"text":982,"type":49,"marks":983},"notes de frais",[984],{"type":153,"attrs":985},{"href":986,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/product/expense-reimbursements/",{"text":988,"type":49}," avec un accès simple en tous lieux ;",{"type":219,"content":990},[991],{"type":45,"attrs":992,"content":993},{"textAlign":52,"key":489},[994,999],{"text":995,"type":49,"marks":996},"Piste d’audit claire",[997],{"type":153,"attrs":998},{"href":281,"uuid":52,"anchor":52,"target":52,"linktype":32},{"text":1000,"type":49}," pour tout règlement, incluant la demande, l’approbation par le responsable et la transaction.",{"type":244,"attrs":1002},{"id":246,"body":1003},[1004],{"_uid":1005,"html":780,"component":251},"i-9fe48f48-3778-47e8-a334-234773ce6b83",{"type":45,"attrs":1007,"content":1008},{"textAlign":52,"key":524},[1009,1013],{"text":1010,"type":49,"marks":1011},"Découvrez avec nos outils",[1012],{"type":115},{"text":1014,"type":49}," comment une gestion des dépenses modernisée vous permet de maintenir la bonne santé financière de votre entreprise et d’être prêt en permanence pour un audit comptable et financier.",{"name":1016,"created_at":1017,"published_at":6,"updated_at":1018,"id":1019,"uuid":1020,"content":1021,"slug":1028,"full_slug":1029,"sort_by_date":52,"position":1030,"tag_list":1031,"is_startpage":29,"parent_id":1032,"meta_data":52,"group_id":1033,"first_published_at":1034,"release_id":52,"lang":58,"path":52,"alternates":1035,"default_full_slug":1036,"translated_slugs":1037,"_stopResolving":67},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1022,"icon":1023,"name":1016,"component":1027},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1024,"alt":1025,"name":23,"focus":23,"title":23,"filename":1026,"copyright":23,"fieldtype":28,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1038,1039,1040],{"path":1036,"name":52,"lang":58,"published":52},{"path":1036,"name":52,"lang":64,"published":52},{"path":1036,"name":52,"lang":66,"published":52},[58],[1043],{"_uid":1044,"asset":1045,"shadow":29,"caption":23,"overlay":1050,"component":1051},"b8172aed-7aaa-41c0-bdc6-2e35855da194",{"id":1046,"alt":1047,"name":23,"focus":23,"title":23,"source":23,"filename":1048,"copyright":23,"fieldtype":28,"meta_data":1049,"is_external_url":29},79040453350595,"Abstract image of overlapping purple envelopes with wavy line patterns on a light background.","https://a.storyblok.com/f/146026/1020x680/f946e34963/letter-blue-audit-comptable-et-financier.jpg",{"alt":1047,"title":23,"source":23,"copyright":23},[],"image",[],"2025-07-22 00:00","9",[],"Quel est le rôle du DAF face à un audit comptable et financier ? Et comment procède un commissaire aux comptes pour mener sa mission ? Nous répondons à toutes vos questions dans cet article.",[1058],{"_uid":1059,"items":1060,"heading":1098,"reverse":29,"component":1116,"sectionSettings":1117},"28aca268-6d01-4762-996e-5e1b9acb008c",[1061,1071,1080,1089],{"_uid":1062,"title":1063,"component":1064,"description":1065},"5e9a892c-9412-40fe-8f60-8ae689bdf811","Qu'est-ce qu'un audit comptable et financier ?","faqItem",{"type":42,"content":1066},[1067],{"type":45,"content":1068},[1069],{"text":1070,"type":49},"Un audit comptable et financier vérifie la sincérité des comptes d'une entreprise et la conformité des procédures. 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00:00",[],"Plafonds URSSAF 2026 du forfait télétravail (2,70 EUR/jour, 59,40 EUR/mois), choix forfait vs réel et checklist pour éviter un redressement sur vos notes de frais.",[],[4508],{"cta":4509,"_uid":4510,"items":4511,"heading":4633,"reverse":29,"component":1116,"sectionSettings":4655},[],"19947d91-a350-4fe1-927d-9269942c3e4b",[4512,4534,4562,4584,4606],{"_uid":4513,"hide":29,"title":4514,"component":1064,"description":4515},"e154ce94-14ca-49e8-a1cf-7d6d355fe343","Comment paramétrer le remboursement des frais de télétravail dans les notes de frais ?",{"type":42,"content":4516},[4517],{"type":45,"attrs":4518,"content":4519},{"textAlign":52},[4520,4522,4526,4528,4532],{"text":4521,"type":49},"Créez une ",{"text":4523,"type":49,"marks":4524},"catégorie dédiée",[4525],{"type":115},{"text":4527,"type":49}," avec un plafond journalier aligné sur le barème URSSAF (2,70 € ou 3,30 €), automatisez le contrôle pour bloquer les dépassements avant validation, et 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Conservation minimale : ",{"text":4551,"type":49,"marks":4552},"six ans",[4553],{"type":115},{"text":4555,"type":49}," (comptabilité), ",{"text":4557,"type":49,"marks":4558},"dix ans",[4559],{"type":115},{"text":4561,"type":49}," (sociétés commerciales).",{"_uid":4563,"hide":29,"title":4564,"component":1064,"description":4565},"b6608554-f24c-483a-9683-b389890891d8","Forfait ou frais réel télétravail : lequel choisir ?",{"type":42,"content":4566},[4567],{"type":45,"attrs":4568,"content":4569},{"textAlign":52},[4570,4572,4576,4578,4582],{"text":4571,"type":49},"Le ",{"text":4573,"type":49,"marks":4574},"forfait teletravail",[4575],{"type":115},{"text":4577,"type":49}," convient à la majorité des entreprises : exonération automatique dans les limites (59,40 € par mois sans accord), aucun justificatif à collecter. Le réel se justifie uniquement pour les salariés en ",{"text":4579,"type":49,"marks":4580},"télétravail complet",[4581],{"type":115},{"text":4583,"type":49}," dont les dépenses mensuelles dépassent significativement le plafond forfaitaire.",{"_uid":4585,"hide":29,"title":4586,"component":1064,"description":4587},"bbf6586d-d673-4dae-a8f9-05dc09188be9","Comment éviter un redressement URSSAF sur les indemnités de télétravail ?",{"type":42,"content":4588},[4589],{"type":45,"attrs":4590,"content":4591},{"textAlign":52},[4592,4594,4598,4600,4604],{"text":4593,"type":49},"Respectez les plafonds 2026 (",{"text":4595,"type":49,"marks":4596},"2,70 € par jour sans accord, 3,30 € avec",[4597],{"type":115},{"text":4599,"type":49},"), documentez les jours télétravaillés par salarié et par mois, et distinguez clairement l'allocation forfaitaire de l'indemnité d'occupation sur le bulletin de paie. La ",{"text":4601,"type":49,"marks":4602},"prescription triennale",[4603],{"type":115},{"text":4605,"type":49}," signifie que l'URSSAF peut remonter sur trois exercices (article L.244-3 du CSS).",{"_uid":4607,"hide":29,"title":4608,"component":1064,"description":4609},"14a0b6ec-2cf1-472f-9917-a258a0246697","L'indemnité de télétravail est-elle obligatoire pour l'employeur ?",{"type":42,"content":4610},[4611],{"type":45,"attrs":4612,"content":4613},{"textAlign":52},[4614,4616,4620,4622,4626,4628,4632],{"text":4615,"type":49},"L'ANI de 2020 impose la prise en charge des frais, mais aucun texte ne fixe de ",{"text":4617,"type":49,"marks":4618},"montant minimum",[4619],{"type":115},{"text":4621,"type":49}," dans le privé. Les plafonds URSSAF (2,70 € par jour sans accord) sont des ",{"text":4623,"type":49,"marks":4624},"seuils d'exonération",[4625],{"type":115},{"text":4627,"type":49},", pas des obligations de versement. 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Guide pour DAF et responsables comptables.",[],[4711],{"cta":4712,"_uid":4713,"items":4714,"heading":4877,"reverse":29,"component":1116,"sectionSettings":4899},[],"8f340513-42b9-4729-a682-5270e209d0d1",[4715,4737,4766,4794,4822,4849],{"_uid":4716,"hide":29,"title":4717,"component":1064,"description":4718},"d3afd229-d1f5-4532-bcc8-428b3f087db0","La DGCCRF peut-elle me sanctionner sans plainte de mon fournisseur ?",{"type":42,"content":4719},[4720],{"type":45,"attrs":4721,"content":4722},{"textAlign":52},[4723,4725,4729,4731,4735],{"text":4724,"type":49},"Oui. Les sanctions sont ",{"text":4726,"type":49,"marks":4727},"administratives",[4728],{"type":115},{"text":4730,"type":49}," : la DGCCRF dispose d'un pouvoir de contrôle direct et agit sur la base de ses propres investigations, ",{"text":4732,"type":49,"marks":4733},"sans qu'un fournisseur ait besoin de déposer plainte",[4734],{"type":115},{"text":4736,"type":49},". Un contrôle peut être déclenché de manière aléatoire ou à la suite d'un signalement anonyme.",{"_uid":4738,"hide":29,"title":4739,"component":1064,"description":4740},"78e7bee1-11d1-48fe-b4ee-046bee427aad","Quelles pièces préparer en cas de contrôle DGCCRF ?",{"type":42,"content":4741},[4742],{"type":45,"attrs":4743,"content":4744},{"textAlign":52},[4745,4749,4751,4755,4757,4764],{"text":4746,"type":49,"marks":4747},"FEC à jour",[4748],{"type":115},{"text":4750,"type":49},", grand livre fournisseurs, historique des dates de réception de factures, ",{"text":4752,"type":49,"marks":4753},"logs de workflows d'approbation",[4754],{"type":115},{"text":4756,"type":49},", et CGV mentionnant les ",{"text":4758,"type":49,"marks":4759},"délais de paiement",[4760,4763],{"type":153,"attrs":4761},{"href":4762,"uuid":52,"anchor":52,"target":210,"linktype":32},"https://www.economie.gouv.fr/entreprises/gerer-sa-comptabilite-et-ses-demarches/entreprises-quels-sont-les-delais-de-paiement",{"type":115},{"text":4765,"type":49}," et pénalités de retard applicables. Un processus procure-to-pay documenté est votre meilleur dossier de défense.",{"_uid":4767,"hide":29,"title":4768,"component":1064,"description":4769},"6e94e203-b0a9-4338-9cfb-ae435d4323b9","Comment la facturation électronique impacte-t-elle les contrôles DGCCRF ?",{"type":42,"content":4770},[4771],{"type":45,"attrs":4772,"content":4773},{"textAlign":52},[4774,4776,4780,4782,4786,4788,4792],{"text":4775,"type":49},"L'horodatage des factures via les Plateformes Agréées rend les dates d'émission ",{"text":4777,"type":49,"marks":4778},"incontestables",[4779],{"type":115},{"text":4781,"type":49}," et permet à la DGCCRF de détecter les retards de manière systématique, sans contrôle sur place. L'obligation entre en vigueur le ",{"text":4783,"type":49,"marks":4784},"1er septembre 2026",[4785],{"type":115},{"text":4787,"type":49}," pour les GE et ETI, le ",{"text":4789,"type":49,"marks":4790},"1er septembre 2027",[4791],{"type":115},{"text":4793,"type":49}," pour les PME et TPE.",{"_uid":4795,"hide":29,"title":4796,"component":1064,"description":4797},"f2120bd4-8d5b-418c-8549-38a360ae86a0","Les pénalités de retard s'appliquent-elles automatiquement ?",{"type":42,"content":4798},[4799],{"type":45,"attrs":4800,"content":4801},{"textAlign":52},[4802,4804,4808,4810,4814,4816,4820],{"text":4803,"type":49},"Oui, ",{"text":4805,"type":49,"marks":4806},"dès le premier jour suivant la date d'échéance",[4807],{"type":115},{"text":4809,"type":49},", sans mise en demeure préalable. Le taux applicable est le ",{"text":4811,"type":49,"marks":4812},"taux BCE majoré de 10 points",[4813],{"type":115},{"text":4815,"type":49}," (12,15 % au S1 2026), plus ",{"text":4817,"type":49,"marks":4818},"40 € d'indemnité forfaitaire",[4819],{"type":115},{"text":4821,"type":49}," par facture. Ces montants doivent figurer dans vos CGV et sur chaque facture fournisseur.",{"_uid":4823,"hide":29,"title":4824,"component":1064,"description":4825},"aabb0fa3-4bcf-4ae1-8b8e-b54e0db7a4fc","Quelle amende la DGCCRF peut-elle infliger pour retard de paiement ?",{"type":42,"content":4826},[4827],{"type":45,"attrs":4828,"content":4829},{"textAlign":52},[4830,4832,4836,4838,4842,4844,4848],{"text":4831,"type":49},"L'amende peut atteindre ",{"text":4833,"type":49,"marks":4834},"2 M€ par manquement",[4835],{"type":115},{"text":4837,"type":49}," pour une personne morale, doublée à ",{"text":4839,"type":49,"marks":4840},"4 M€ en cas de récidive",[4841],{"type":115},{"text":4843,"type":49}," 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":4845,"type":49,"marks":4846},"1 % du chiffre d'affaires consolidé mondial",[4847],{"type":115},{"text":774,"type":49},{"_uid":4850,"hide":29,"title":4851,"component":1064,"description":4852},"a4c39d02-239a-4d7c-83b9-a9a07d1259c1","Quel est le délai de paiement légal en France entre entreprises ?",{"type":42,"content":4853},[4854],{"type":45,"attrs":4855,"content":4856},{"textAlign":52},[4857,4859,4863,4865,4869,4871,4875],{"text":4858,"type":49},"Le délai par défaut est de ",{"text":4860,"type":49,"marks":4861},"30 jours glissants",[4862],{"type":115},{"text":4864,"type":49}," à compter de la réception des marchandises ou de l'exécution de la prestation. Par accord contractuel, il peut être étendu à ",{"text":4866,"type":49,"marks":4867},"60 jours date de facture",[4868],{"type":115},{"text":4870,"type":49}," ou ",{"text":4872,"type":49,"marks":4873},"45 jours fin de mois",[4874],{"type":115},{"text":4876,"type":49},". 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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.",[4977],{"_uid":4978,"items":4979,"heading":5032,"reverse":29,"component":1116,"sectionSettings":5049},"6154f608-393f-4efd-b316-6b600f016b9d",[4980,4988,4996,5005,5014,5023],{"_uid":4981,"title":2826,"component":1064,"description":4982},"56f8ef00-21a0-4adf-bf0c-7f7369596fd5",{"type":42,"content":4983},[4984],{"type":45,"content":4985},[4986],{"text":4987,"type":49},"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":4989,"title":2886,"component":1064,"description":4990},"b5723c49-0fb5-4733-9a4a-c5c61a7f1a86",{"type":42,"content":4991},[4992],{"type":45,"content":4993},[4994],{"text":4995,"type":49},"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":4997,"title":4998,"component":1064,"description":4999},"260d3c57-10a6-49cc-86e1-748b6180bbc1","Quelles sont les charges directes et comment les identifier ?",{"type":42,"content":5000},[5001],{"type":45,"content":5002},[5003],{"text":5004,"type":49},"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":5006,"title":5007,"component":1064,"description":5008},"cf6ae950-40ed-43f6-aced-6bd02c7c0726","Quelles sont les charges indirectes et comment les gérer ?",{"type":42,"content":5009},[5010],{"type":45,"content":5011},[5012],{"text":5013,"type":49},"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":5015,"title":5016,"component":1064,"description":5017},"697609ae-3213-4d0d-8fad-e5842bc2d8b5","Comment automatiser la catégorisation des charges directes et indirectes avec Spendesk ?",{"type":42,"content":5018},[5019],{"type":45,"content":5020},[5021],{"text":5022,"type":49},"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":5024,"title":5025,"component":1064,"description":5026},"b9d2655a-5a65-476d-9a36-d7c3fb710286","Pourquoi une catégorisation correcte des charges est-elle importante pour la comptabilité ?",{"type":42,"content":5027},[5028],{"type":45,"content":5029},[5030],{"text":5031,"type":49},"Une catégorisation correcte assure des états financiers fiables, un calcul exact de la TVA et des décisions budgétaires pertinentes. 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Découvrez comment fiabiliser vos données fournisseurs et éviter les rejets.",[],[5105],{"cta":5106,"_uid":5107,"items":5108,"heading":5169,"reverse":29,"component":1116,"sectionSettings":5191},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[5109,5119,5129,5139,5149,5159],{"_uid":5110,"hide":29,"title":5111,"component":1064,"description":5112},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes coordonnées fournisseurs pour que le Verification of Payee ne bloque pas mes virements ?",{"type":42,"content":5113},[5114],{"type":45,"attrs":5115,"content":5116},{"textAlign":52},[5117],{"text":5118,"type":49},"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":5120,"hide":29,"title":5121,"component":1064,"description":5122},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":42,"content":5123},[5124],{"type":45,"attrs":5125,"content":5126},{"textAlign":52},[5127],{"text":5128,"type":49},"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":5130,"hide":29,"title":5131,"component":1064,"description":5132},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":42,"content":5133},[5134],{"type":45,"attrs":5135,"content":5136},{"textAlign":52},[5137],{"text":5138,"type":49},"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":5140,"hide":29,"title":5141,"component":1064,"description":5142},"51e48def-8638-46e8-91a7-8e71823d5f80","Comment le \"Verification of Payee\" aide-t-il à prévenir la fraude au virement fournisseur ?",{"type":42,"content":5143},[5144],{"type":45,"attrs":5145,"content":5146},{"textAlign":52},[5147],{"text":5148,"type":49},"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":5150,"hide":29,"title":5151,"component":1064,"description":5152},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":42,"content":5153},[5154],{"type":45,"attrs":5155,"content":5156},{"textAlign":52},[5157],{"text":5158,"type":49},"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":5160,"hide":29,"title":5161,"component":1064,"description":5162},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi un virement SEPA est-il rejeté quand le nom du bénéficiaire et l'IBAN ne correspondent pas ?",{"type":42,"content":5163},[5164],{"type":45,"attrs":5165,"content":5166},{"textAlign":52},[5167],{"text":5168,"type":49},"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.",[5170],{"cta":5171,"_uid":5172,"title":5173,"eyebrow":5180,"subtitle":5186,"component":125,"textAlign":23,"eyebrowPill":29,"flexibleSection":5189,"sectionSettings":5190,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"273bb014-5645-4d04-b82c-07f3e5f4c0d3",{"type":42,"content":5174},[5175],{"type":125,"attrs":5176,"content":5177},{"level":127,"textAlign":52},[5178],{"text":5179,"type":49},"Ce qu'on nous demande souvent",{"type":42,"content":5181},[5182],{"type":45,"attrs":5183,"content":5184},{"textAlign":52},[5185],{"text":1664,"type":49},{"type":42,"content":5187},[5188],{"type":45},[],[],[],"controle-iban-virement-fournisseur","fr/controle-iban-virement-fournisseur",-610,[],"4dbb530f-c571-46bf-b167-d00a36df77f2",[],[5199,5200,5201],{"path":5192,"name":52,"lang":58,"published":52},{"path":5192,"name":52,"lang":64,"published":52},{"path":5192,"name":52,"lang":66,"published":52},[5203,5204,5205,5206],["Reactive",5066],["Reactive",3581],["Reactive",4355],["Reactive",4910],1782488038103]