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Jusqu’au jour où il devient une ",{"text":187,"type":123,"marks":188},"amende publiée",[189],{"type":190},"bold",{"text":192,"type":123},", un ",{"text":194,"type":123,"marks":195},"nom d’entreprise affiché par la DGCCRF",[196],{"type":190},{"text":198,"type":123},", et un signal que vos partenaires peuvent lire noir sur blanc.",{"type":117,"attrs":200,"content":202},{"textAlign":26,"key":201},"p-1",[203,205,209,218,221,222,226,228,232,234,238],{"text":204,"type":123},"Selon un",{"text":206,"type":123,"marks":207}," ",[208],{"type":190},{"text":210,"type":123,"marks":211},"communiqué de la DGCCRF,",[212,217],{"type":213,"attrs":214},"link",{"href":215,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.economie.gouv.fr/files/files/directions_services/dgccrf/media-document/cp-dgccrf-delais-de-paiement.pdf","_blank",{"type":190},{"text":206,"type":123,"marks":219},[220],{"type":190},{"text":206,"type":123},{"text":223,"type":123,"marks":224},"228 procédures de sanction",[225],{"type":190},{"text":227,"type":123}," ont été engagées ou finalisées au premier semestre 2025, pour un total de près de ",{"text":229,"type":123,"marks":230},"47 millions d’euros d’amendes",[231],{"type":190},{"text":233,"type":123},". Le message est clair : les délais fournisseurs ne sont plus un simple sujet de trésorerie ou d’organisation interne. C’est un ",{"text":235,"type":123,"marks":236},"risque réglementaire mesurable",[237],{"type":190},{"text":239,"type":123},", contrôlé, et désormais très visible.",{"type":117,"attrs":241,"content":243},{"textAlign":26,"key":242},"p-2",[244,246,250],{"text":245,"type":123},"La DGCCRF n’a pas besoin d’attendre une plainte fournisseur pour agir. Et avec l’arrivée de la ",{"text":247,"type":123,"marks":248},"facturation électronique obligatoire",[249],{"type":190},{"text":251,"type":123},", à partir de septembre 2026, chaque date d’émission, de réception et de règlement deviendra beaucoup plus facile à tracer. Les retards qui passaient encore sous le radar pourront être repérés plus vite, avec moins de zones grises.",{"type":117,"attrs":253,"content":255},{"textAlign":26,"key":254},"p-3",[256],{"text":257,"type":123},"Pour les équipes finance, le vrai enjeu n’est donc plus seulement de payer “dans les temps”. C’est de savoir si vos processus fournisseurs, vos circuits d’approbation et vos données de paiement permettent réellement de tenir les délais légaux, facture après facture.",{"type":117,"attrs":259,"content":261},{"textAlign":26,"key":260},"p-4",[262],{"text":263,"type":123},"Voici ce que vous risquez, comment calculer les pénalités de retard, et surtout comment réduire le risque avant qu’il ne se transforme en sanction.",{"type":265,"attrs":266,"content":268},"heading",{"level":267,"textAlign":26},2,[269],{"text":270,"type":123,"marks":271},"Les délais de paiement entre entreprises suivent un cadre légal strict",[272],{"type":190},{"type":274,"attrs":275},"blok",{"id":276,"body":277},"ebda0310-0de4-4e9b-b787-1dbdc9eab74a",[278],{"_uid":279,"asset":280,"caption":52,"component":284},"i-4d165557-ee79-4e52-8c4f-3ab47e76257c",{"id":281,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":282,"copyright":52,"fieldtype":98,"meta_data":283,"is_external_url":29},20760048,"https://a.storyblok.com/f/146026/2380x1566/90d888d77b/solutions_page_education_industry.jpg",{},"image",{"type":117,"attrs":286,"content":288},{"textAlign":26,"key":287},"p-5",[289,291,295,297,304,306,310],{"text":290,"type":123},"En France, le délai de paiement par défaut est fixé à ",{"text":292,"type":123,"marks":293},"30 jours glissants",[294],{"type":190},{"text":296,"type":123}," à compter de la réception des marchandises ou de l'exécution de la prestation, conformément à l'",{"text":298,"type":123,"marks":299},"article L.441-10 du Code de commerce",[300,303],{"type":213,"attrs":301},{"href":302,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000038414392",{"type":190},{"text":305,"type":123},". Ce délai s'applique ",{"text":307,"type":123,"marks":308},"en l'absence de toute clause contractuelle",[309],{"type":190},{"text":311,"type":123}," spécifique.",{"type":117,"attrs":313,"content":315},{"textAlign":26,"key":314},"p-6",[316,318,322,324,328],{"text":317,"type":123},"Par accord entre les parties, ce délai peut être étendu à ",{"text":319,"type":123,"marks":320},"60 jours à compter de la date d'émission de la facture",[321],{"type":190},{"text":323,"type":123},", ou à ",{"text":325,"type":123,"marks":326},"45 jours fin de mois",[327],{"type":190},{"text":329,"type":123},". La loi n'autorise aucune autre configuration. En cas de facturation périodique, le plafond est de 45 jours à compter de la date d'émission.",{"type":117,"attrs":331,"content":333},{"textAlign":26,"key":332},"p-7",[334,336,340,342,349],{"text":335,"type":123},"La confusion la plus fréquente porte sur le ",{"text":337,"type":123,"marks":338},"point de départ du décompte",[339],{"type":190},{"text":341,"type":123},". Un responsable comptable qui négocie un délai de \"60 jours\" avec un fournisseur pense souvent être en règle. Mais si le contrat stipule 60 jours date de facture, le décompte court dès l'émission, et non à sa réception. Sur une facture émise le 2 janvier et reçue le 10, l'entreprise perd déjà huit jours de marge. Multipliez ce décalage sur des centaines de factures par trimestre, et le risque de dépassement devient systémique. L'impact sur le ",{"text":343,"type":123,"marks":344},"besoin en fonds de roulement",[345,348],{"type":213,"attrs":346},{"href":347,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/besoin-fonds-de-roulement/",{"type":190},{"text":350,"type":123}," est tout aussi direct : des retards structurels compriment la trésorerie disponible.",{"type":117,"attrs":352,"content":354},{"textAlign":26,"key":353},"p-8",[355,357,361],{"text":356,"type":123},"Certains secteurs bénéficient de dérogations spécifiques (vins et spiritueux, jouets saisonniers, matériels agricoles), mais elles restent encadrées par des accords interprofessionnels et ",{"text":358,"type":123,"marks":359},"ne permettent jamais de dépasser les plafonds légaux",[360],{"type":190},{"text":362,"type":123},".",{"type":117,"attrs":364,"content":366},{"textAlign":26,"key":365},"p-9",[367,371],{"text":368,"type":123,"marks":369},"Le piège le plus courant :",[370],{"type":190},{"text":372,"type":123}," considérer le délai contractuel comme une zone de sécurité, alors que le décompte réel, calculé à partir de la date de facture, place déjà l'entreprise en infraction.",{"type":265,"attrs":374,"content":375},{"level":267,"textAlign":26},[376],{"text":377,"type":123,"marks":378},"Ce que la DGCCRF peut vous infliger en cas de retard",[379],{"type":190},{"type":117,"attrs":381,"content":382},{"textAlign":26,"key":119},[383,385,389,396,398,402,404,411],{"text":384,"type":123},"Les ",{"text":386,"type":123,"marks":387},"sanctions pour ",[388],{"type":190},{"text":390,"type":123,"marks":391},"retard de paiement",[392,395],{"type":213,"attrs":393},{"href":394,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/retards-de-paiement/",{"type":190},{"text":397,"type":123}," sont administratives. Elles ne nécessitent ni plainte d'un fournisseur ni procédure judiciaire. La DGCCRF dispose d'un ",{"text":399,"type":123,"marks":400},"pouvoir de contrôle direct",[401],{"type":190},{"text":403,"type":123}," et peut agir sur la base de ses propres investigations, comme le détaille la ",{"text":405,"type":123,"marks":406},"fiche pratique officielle",[407,410],{"type":213,"attrs":408},{"href":409,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.economie.gouv.fr/dgccrf/les-fiches-pratiques/delais-de-paiement-les-regles-connaitre",{"type":190},{"text":362,"type":123},{"type":117,"attrs":413,"content":414},{"textAlign":26,"key":201},[415,417,421,423,427,429,433],{"text":416,"type":123},"Pour une personne morale, l'amende peut atteindre ",{"text":418,"type":123,"marks":419},"2 000 000 €",[420],{"type":190},{"text":422,"type":123}," par manquement constaté. Pour une personne physique (dirigeant), le plafond est de ",{"text":424,"type":123,"marks":425},"75 000 €",[426],{"type":190},{"text":428,"type":123},". En cas de récidive dans les deux ans, ces montants sont doublés : ",{"text":430,"type":123,"marks":431},"4 000 000 €",[432],{"type":190},{"text":434,"type":123}," pour l'entreprise.",{"type":117,"attrs":436,"content":437},{"textAlign":26,"key":242},[438,440,444,446,452,454,458],{"text":439,"type":123},"La ",{"text":441,"type":123,"marks":442},"PPL Rietmann",[443],{"type":190},{"text":445,"type":123},", ",{"text":447,"type":123,"marks":448},"adoptée en première lecture par le Sénat le 19 février 2026",[449],{"type":213,"attrs":450},{"href":451,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.assemblee-nationale.fr/dyn/17/dossiers/DLR5L17N53099",{"text":453,"type":123}," et en attente d'examen par l'Assemblée Nationale, durcit encore le dispositif. Le plafond serait relevé au plus élevé entre 2 M€ et ",{"text":455,"type":123,"marks":456},"1 % du chiffre d'affaires consolidé mondial",[457],{"type":190},{"text":459,"type":123},". La renonciation aux pénalités par le fournisseur serait explicitement interdite, ce qui ferme une pratique courante dans certains secteurs.",{"type":265,"attrs":461,"content":463},{"level":462,"textAlign":26},3,[464],{"text":465,"type":123,"marks":466},"La publication de la sanction : souvent plus lourde que l'amende",[467],{"type":190},{"type":117,"attrs":469,"content":470},{"textAlign":26,"key":254},[471,472,476,478,482],{"text":439,"type":123},{"text":473,"type":123,"marks":474},"publication est systématique ",[475],{"type":190},{"text":477,"type":123},": nom de l'entreprise, montant de l'amende, nature du manquement, sur le site de la DGCCRF et via une annonce légale aux frais de l'entreprise sanctionnée. ",{"text":479,"type":123,"marks":480},"L'impact dépasse largement le montant financier. ",[481],{"type":190},{"text":483,"type":123},"Les fournisseurs stratégiques peuvent renégocier leurs conditions, les partenaires bancaires réévaluer leur exposition, et les candidats consulter la presse avant de signer.",{"type":117,"attrs":485,"content":486},{"textAlign":26,"key":260},[487,488,492,494,498],{"text":384,"type":123},{"text":489,"type":123,"marks":490},"contrôles du premier semestre 2025",[491],{"type":190},{"text":493,"type":123}," montrent que le risque concerne aussi des groupes structurés, dotés de directions financières étoffées. Thales Avionics a ainsi été sanctionnée à hauteur de ",{"text":495,"type":123,"marks":496},"1,95 M€",[497],{"type":190},{"text":499,"type":123},". La taille de votre organisation n'est donc pas un bouclier : si les délais réels ne suivent pas le cadre légal, le risque reste entier.",{"type":265,"attrs":501,"content":502},{"level":267,"textAlign":26},[503],{"text":504,"type":123,"marks":505},"Les pénalités de retard sur facture s'appliquent dès le premier jour",[506],{"type":190},{"type":117,"attrs":508,"content":509},{"textAlign":26,"key":287},[510,512,516,518,522],{"text":511,"type":123},"Indépendamment de toute intervention de la DGCCRF, des ",{"text":513,"type":123,"marks":514},"pénalités de retard",[515],{"type":190},{"text":517,"type":123}," s'appliquent automatiquement ",{"text":519,"type":123,"marks":520},"dès le premier jour suivant la date d'échéance",[521],{"type":190},{"text":523,"type":123},", sans mise en demeure préalable (article L.441-10 du Code de commerce).",{"type":117,"attrs":525,"content":526},{"textAlign":26,"key":314},[527,529,533,535,539,541,545],{"text":528,"type":123},"Le taux applicable correspond au ",{"text":530,"type":123,"marks":531},"taux de refinancement de la BCE majoré de 10 points",[532],{"type":190},{"text":534,"type":123},". Au premier semestre 2026, le taux BCE étant de 2,15 %, le taux de pénalité s'établit à ",{"text":536,"type":123,"marks":537},"12,15 % par an",[538],{"type":190},{"text":540,"type":123},". À cela s'ajoute une ",{"text":542,"type":123,"marks":543},"indemnité forfaitaire de recouvrement de 40 €",[544],{"type":190},{"text":546,"type":123}," par facture impayée.",{"type":274,"attrs":548},{"id":549,"body":550},"ee2053e3-0bc7-49e7-9563-d706a6b01c67",[551],{"_uid":552,"text":553,"color":554,"title":555,"component":556},"i-34aae941-4c65-4324-b19d-216f74b1abdc","La formule est la suivante : **Montant TTC × taux annuel × (jours de retard / 365) + 40 €**","purple","Exemple de calcul d'une pénalité de retard sur facture","callout",{"type":117,"attrs":558,"content":559},{"textAlign":26,"key":332},[560,562,566,568,572,574,578],{"text":561,"type":123},"Pour une facture de ",{"text":563,"type":123,"marks":564},"15 000 € TTC réglée avec 45 jours de retard",[565],{"type":190},{"text":567,"type":123}," : 15 000 × 12,15 % × (45 / 365) = ",{"text":569,"type":123,"marks":570},"224,79 €",[571],{"type":190},{"text":573,"type":123},", auxquels s'ajoutent 40 € d'indemnité forfaitaire, soit ",{"text":575,"type":123,"marks":576},"264,79 € pour cette seule facture",[577],{"type":190},{"text":362,"type":123},{"type":274,"attrs":580},{"id":549,"body":581},[582],{"_uid":583,"asset":584,"caption":52,"component":284},"i-bc43c3bd-c35b-44c6-802d-0bca54ccafd0",{"id":585,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":586,"copyright":52,"fieldtype":98,"meta_data":587,"is_external_url":29},168565554985433,"https://a.storyblok.com/f/146026/6983x3870/6aed128eec/a-person-having-a-virtual-meeting-on-a-laptop.jpeg",{},{"type":117,"attrs":589,"content":590},{"textAlign":26,"key":353},[591,593,597,599,606],{"text":592,"type":123},"Ces montants paraissent modestes pris isolément. Mais un DAF qui réalise un audit en clôture trimestrielle peut découvrir plusieurs milliers d'euros à provisionner sur une vingtaine de factures en retard — un montant souvent ",{"text":594,"type":123,"marks":595},"invisible dans le suivi courant",[596],{"type":190},{"text":598,"type":123},", qui impacte directement le résultat opérationnel et la ",{"text":600,"type":123,"marks":601},"gestion de trésorerie",[602,605],{"type":213,"attrs":603},{"href":604,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/gestion-tresorerie/",{"type":190},{"text":362,"type":123},{"type":117,"attrs":608,"content":609},{"textAlign":26,"key":365},[610,612,616,618,625],{"text":611,"type":123},"Les pénalités de retard et l'indemnité forfaitaire doivent figurer dans les ",{"text":613,"type":123,"marks":614},"conditions générales de vente",[615],{"type":190},{"text":617,"type":123}," du fournisseur et sur chaque facture, comme le rappelle le ",{"text":619,"type":123,"marks":620},"guide officiel sur les délais de paiement",[621,624],{"type":213,"attrs":622},{"href":623,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://entreprendre.service-public.gouv.fr/vosdroits/F23211",{"type":190},{"text":626,"type":123},". L'absence de ces mentions constitue elle-même un manquement sanctionnable.",{"type":265,"attrs":628,"content":629},{"level":267,"textAlign":26},[630],{"text":631,"type":123,"marks":632},"La facturation électronique rend les retards plus visibles",[633],{"type":190},{"type":117,"attrs":635,"content":637},{"textAlign":26,"key":636},"p-10",[638,640,647,649,653,655,659,661,665,667,671,673,680],{"text":639,"type":123},"Le calendrier de la ",{"text":641,"type":123,"marks":642},"facturation électronique",[643,646],{"type":213,"attrs":644},{"href":645,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/facturation-electronique/",{"type":190},{"text":648,"type":123}," obligatoire est déjà fixé : ",{"text":650,"type":123,"marks":651},"1er septembre 2026",[652],{"type":190},{"text":654,"type":123}," pour les grandes entreprises et les ETI, ",{"text":656,"type":123,"marks":657},"1er septembre 2027 pour les PME et TPE",[658],{"type":190},{"text":660,"type":123},". Chaque facture transitera désormais par une ",{"text":662,"type":123,"marks":663},"PA",[664],{"type":190},{"text":666,"type":123}," (Plateforme Agréée) ou le ",{"text":668,"type":123,"marks":669},"PPF",[670],{"type":190},{"text":672,"type":123}," (Portail Public de Facturation). Notre ",{"text":674,"type":123,"marks":675},"guide sur les Plateformes Agréées",[676,679],{"type":213,"attrs":677},{"href":678,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/plateformes-de-dematerialisation-pdp-tout-ce-qu-il-faut-savoir-pour-etre-pret-en-2026/",{"type":190},{"text":681,"type":123}," détaille les obligations à anticiper dès maintenant.",{"type":117,"attrs":683,"content":685},{"textAlign":26,"key":684},"p-11",[686,688,692],{"text":687,"type":123},"Ce changement renforce fortement la traçabilité. La date d'émission de chaque facture sera horodatée et transmise dans un cadre beaucoup plus structuré. Il deviendra donc plus difficile ",{"text":689,"type":123,"marks":690},"de compenser un retard de traitement interne",[691],{"type":190},{"text":693,"type":123}," en jouant sur les dates de réception ou les informations saisies dans l’ERP.",{"type":117,"attrs":695,"content":697},{"textAlign":26,"key":696},"p-12",[698,700,707,709,717],{"text":699,"type":123},"Pour les équipes finance, le signal est clair : plus les données de facturation deviennent structurées, plus les retards de paiement deviennent visibles. Les entreprises qui n'ont pas encore fiabilisé leur processus de ",{"text":701,"type":123,"marks":702},"paiement fournisseur",[703,706],{"type":213,"attrs":704},{"href":705,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/paiement-fournisseur/",{"type":190},{"text":708,"type":123}," prennent donc un risque croissant à chaque trimestre. Spendesk accompagne cette transition avec une ",{"text":710,"type":123,"marks":711},"solution de facturation électronique",[712,716],{"type":213,"attrs":713},{"href":714,"uuid":26,"anchor":26,"target":715,"linktype":102},"https://www.spendesk.com/fr/e-invoicing-landing-page/","_self",{"type":190},{"text":718,"type":123}," conforme aux exigences françaises.",{"type":265,"attrs":720,"content":721},{"level":267,"textAlign":26},[722],{"text":723,"type":123,"marks":724},"Les bons réflexes pour rester dans les clous",[725],{"type":190},{"type":274,"attrs":727},{"id":549,"body":728},[729],{"_uid":730,"asset":731,"caption":52,"component":284},"i-f5f012ea-d2d8-4e41-81cf-b83c73c31def",{"id":732,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":733,"copyright":52,"fieldtype":98,"meta_data":734,"is_external_url":29},168565554321873,"https://a.storyblok.com/f/146026/2121x1414/597b39424a/a-team-of-employees-meeting.jpg",{},{"type":117,"attrs":736,"content":738},{"textAlign":26,"key":737},"p-13",[739,741,748],{"text":740,"type":123},"La conformité aux délais de paiement ne se règle pas par une note de service adressée à l'équipe comptable. Elle exige une révision structurelle du ",{"text":742,"type":123,"marks":743},"processus de traitement des factures fournisseurs",[744,747],{"type":213,"attrs":745},{"href":746,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/processus-de-traitement-des-factures-fournisseurs/",{"type":190},{"text":749,"type":123},", de la réception jusqu'au règlement.",{"type":117,"attrs":751,"content":753},{"textAlign":26,"key":752},"p-14",[754,758,760,764],{"text":755,"type":123,"marks":756},"Auditez vos délais réels.",[757],{"type":190},{"text":759,"type":123}," Comparez les délais contractuels avec les dates de paiement effectives sur les douze derniers mois. La plupart des équipes qui lancent cet exercice découvrent que certaines factures sont réglées bien au-delà des 60 jours, non par négligence, mais à cause de ",{"text":761,"type":123,"marks":762},"blocages d'approbation internes",[763],{"type":190},{"text":362,"type":123},{"type":117,"attrs":766,"content":768},{"textAlign":26,"key":767},"p-15",[769,773,775,779,781,788],{"text":770,"type":123,"marks":771},"Automatisez la réception et le traitement.",[772],{"type":190},{"text":774,"type":123}," La saisie manuelle des factures, le rapprochement dans Excel et les relances par email sont les premières causes de retard structurel. L'OCR, le rapprochement automatique et les ",{"text":776,"type":123,"marks":777},"workflows d'approbation avec alertes avant échéance",[778],{"type":190},{"text":780,"type":123}," permettent de traiter le flux sans intervention manuelle sur chaque facture. La ",{"text":782,"type":123,"marks":783},"gestion automatisée des factures fournisseurs",[784,787],{"type":213,"attrs":785},{"href":786,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/platform/invoice-management/",{"type":190},{"text":789,"type":123}," est l'un des leviers les plus directs pour fiabiliser les délais de paiement.",{"type":117,"attrs":791,"content":793},{"textAlign":26,"key":792},"p-16",[794,798,800,807,809,813],{"text":795,"type":123,"marks":796},"Centralisez la visibilité.",[797],{"type":190},{"text":799,"type":123}," Lorsque les paiements fournisseurs sont dispersés entre plusieurs outils, aucun tableau de bord ne donne une vue consolidée des échéances à venir. Les retards passent inaperçus jusqu'à la clôture. Une ",{"text":801,"type":123,"marks":802},"comptabilisation automatisée",[803,806],{"type":213,"attrs":804},{"href":805,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/platform/accounting-automation/",{"type":190},{"text":808,"type":123}," des paiements permet de garder une vision en temps réel et de ",{"text":810,"type":123,"marks":811},"détecter les dérives avant qu'elles deviennent des infractions",[812],{"type":190},{"text":362,"type":123},{"type":117,"attrs":815,"content":817},{"textAlign":26,"key":816},"p-17",[818,822,824,828],{"text":819,"type":123,"marks":820},"Spendesk",[821],{"type":190},{"text":823,"type":123}," réunit la gestion des factures fournisseurs, les workflows d'approbation et le paiement SEPA dans un tableau de bord unique, avec un ",{"text":825,"type":123,"marks":826},"historique d'approbations et des logs de paiement exploitables en cas de contrôle DGCCRF",[827],{"type":190},{"text":829,"type":123},". En tant qu'établissement de paiement réglementé par l'ACPR (n° 17518), la plateforme offre un cadre de conformité adapté aux exigences du marché français.",{"type":117,"attrs":831,"content":833},{"textAlign":26,"key":832},"p-18",[834,838,840,844,846,853],{"text":835,"type":123,"marks":836},"Préparez un dossier de conformité",[837],{"type":190},{"text":839,"type":123}," en anticipation d'un éventuel contrôle : FEC à jour, grand livre fournisseurs, historique des dates de réception, logs de workflows d'approbation, et CGV mentionnant explicitement les ",{"text":841,"type":123,"marks":842},"délais et pénalités applicables",[843],{"type":190},{"text":845,"type":123},". La mise en place d'un processus ",{"text":847,"type":123,"marks":848},"procure-to-pay",[849,852],{"type":213,"attrs":850},{"href":851,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/procure-to-pay/",{"type":190},{"text":854,"type":123}," structuré simplifie considérablement cette préparation.",{"type":117,"attrs":856,"content":858},{"textAlign":26,"key":857},"p-19",[859],{"text":860,"type":123,"marks":861},"Vos délais de paiement fournisseurs sont-ils réellement sous contrôle ?",[862],{"type":190},{"name":864,"created_at":865,"published_at":16,"updated_at":866,"id":867,"uuid":868,"content":869,"slug":876,"full_slug":877,"sort_by_date":26,"position":27,"tag_list":878,"is_startpage":29,"parent_id":879,"meta_data":26,"group_id":880,"first_published_at":881,"release_id":26,"lang":33,"path":26,"alternates":882,"default_full_slug":883,"translated_slugs":884,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":870,"icon":871,"name":864,"component":875},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":872,"alt":873,"name":52,"focus":52,"title":52,"filename":874,"copyright":52,"fieldtype":98,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[885,886,887],{"path":883,"name":26,"lang":33,"published":26},{"path":883,"name":26,"lang":39,"published":26},{"path":883,"name":26,"lang":41,"published":26},[33],[890],{"_uid":891,"asset":892,"caption":52,"component":284},"1149c401-bce2-4c11-af2c-1d7eb5352e4c",{"id":893,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":894,"copyright":52,"fieldtype":98,"meta_data":895,"is_external_url":29},174400058601475,"https://a.storyblok.com/f/146026/1376x768/5856800d6b/what-is-invoice-discounting.png",{},[],"2026-06-19 00:00",[],"Délais de paiement fournisseurs en France : amendes DGCCRF jusqu'à 2 M€, pénalités de retard et PPL Rietmann. Guide pour DAF et responsables comptables.",[],[902],{"cta":903,"_uid":904,"items":905,"heading":1064,"reverse":29,"component":1087,"sectionSettings":1088},[],"8f340513-42b9-4729-a682-5270e209d0d1",[906,929,958,985,1012,1038],{"_uid":907,"hide":29,"title":908,"component":909,"description":910},"d3afd229-d1f5-4532-bcc8-428b3f087db0","La DGCCRF peut-elle me sanctionner sans plainte de mon fournisseur ?","faqItem",{"type":114,"content":911},[912],{"type":117,"attrs":913,"content":914},{"textAlign":26,"key":119},[915,917,921,923,927],{"text":916,"type":123},"Oui. Les sanctions sont ",{"text":918,"type":123,"marks":919},"administratives",[920],{"type":190},{"text":922,"type":123}," : la DGCCRF dispose d'un pouvoir de contrôle direct et agit sur la base de ses propres investigations, ",{"text":924,"type":123,"marks":925},"sans qu'un fournisseur ait besoin de déposer plainte",[926],{"type":190},{"text":928,"type":123},". Un contrôle peut être déclenché de manière aléatoire ou à la suite d'un signalement anonyme.",{"_uid":930,"hide":29,"title":931,"component":909,"description":932},"78e7bee1-11d1-48fe-b4ee-046bee427aad","Quelles pièces préparer en cas de contrôle DGCCRF ?",{"type":114,"content":933},[934],{"type":117,"attrs":935,"content":936},{"textAlign":26,"key":119},[937,941,943,947,949,956],{"text":938,"type":123,"marks":939},"FEC à jour",[940],{"type":190},{"text":942,"type":123},", grand livre fournisseurs, historique des dates de réception de factures, ",{"text":944,"type":123,"marks":945},"logs de workflows d'approbation",[946],{"type":190},{"text":948,"type":123},", et CGV mentionnant les ",{"text":950,"type":123,"marks":951},"délais de paiement",[952,955],{"type":213,"attrs":953},{"href":954,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.economie.gouv.fr/entreprises/gerer-sa-comptabilite-et-ses-demarches/entreprises-quels-sont-les-delais-de-paiement",{"type":190},{"text":957,"type":123}," et pénalités de retard applicables. Un processus procure-to-pay documenté est votre meilleur dossier de défense.",{"_uid":959,"hide":29,"title":960,"component":909,"description":961},"6e94e203-b0a9-4338-9cfb-ae435d4323b9","Comment la facturation électronique impacte-t-elle les contrôles DGCCRF ?",{"type":114,"content":962},[963],{"type":117,"attrs":964,"content":965},{"textAlign":26,"key":119},[966,968,972,974,977,979,983],{"text":967,"type":123},"L'horodatage des factures via les Plateformes Agréées rend les dates d'émission ",{"text":969,"type":123,"marks":970},"incontestables",[971],{"type":190},{"text":973,"type":123}," et permet à la DGCCRF de détecter les retards de manière systématique, sans contrôle sur place. L'obligation entre en vigueur le ",{"text":650,"type":123,"marks":975},[976],{"type":190},{"text":978,"type":123}," pour les GE et ETI, le ",{"text":980,"type":123,"marks":981},"1er septembre 2027",[982],{"type":190},{"text":984,"type":123}," pour les PME et TPE.",{"_uid":986,"hide":29,"title":987,"component":909,"description":988},"f2120bd4-8d5b-418c-8549-38a360ae86a0","Les pénalités de retard s'appliquent-elles automatiquement ?",{"type":114,"content":989},[990],{"type":117,"attrs":991,"content":992},{"textAlign":26,"key":119},[993,995,998,1000,1004,1006,1010],{"text":994,"type":123},"Oui, ",{"text":519,"type":123,"marks":996},[997],{"type":190},{"text":999,"type":123},", sans mise en demeure préalable. Le taux applicable est le ",{"text":1001,"type":123,"marks":1002},"taux BCE majoré de 10 points",[1003],{"type":190},{"text":1005,"type":123}," (12,15 % au S1 2026), plus ",{"text":1007,"type":123,"marks":1008},"40 € d'indemnité forfaitaire",[1009],{"type":190},{"text":1011,"type":123}," par facture. Ces montants doivent figurer dans vos CGV et sur chaque facture fournisseur.",{"_uid":1013,"hide":29,"title":1014,"component":909,"description":1015},"aabb0fa3-4bcf-4ae1-8b8e-b54e0db7a4fc","Quelle amende la DGCCRF peut-elle infliger pour retard de paiement ?",{"type":114,"content":1016},[1017],{"type":117,"attrs":1018,"content":1019},{"textAlign":26,"key":119},[1020,1022,1026,1028,1032,1034,1037],{"text":1021,"type":123},"L'amende peut atteindre ",{"text":1023,"type":123,"marks":1024},"2 M€ par manquement",[1025],{"type":190},{"text":1027,"type":123}," pour une personne morale, doublée à ",{"text":1029,"type":123,"marks":1030},"4 M€ en cas de récidive",[1031],{"type":190},{"text":1033,"type":123}," dans les deux ans. 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Découvrez comment fiabiliser vos données fournisseurs et éviter les rejets.",[],[4348],{"cta":4349,"_uid":4350,"items":4351,"heading":4412,"reverse":29,"component":1087,"sectionSettings":4434},[],"9c4d638a-7892-4d4b-9664-0a23339644fa",[4352,4362,4372,4382,4392,4402],{"_uid":4353,"hide":29,"title":4354,"component":909,"description":4355},"3025f11c-567d-4eb0-b71b-d59b9cbedaf4","Comment préparer mes coordonnées fournisseurs pour que le Verification of Payee ne bloque pas mes virements ?",{"type":114,"content":4356},[4357],{"type":117,"attrs":4358,"content":4359},{"textAlign":26},[4360],{"text":4361,"type":123},"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":4363,"hide":29,"title":4364,"component":909,"description":4365},"b1bd087a-9bf4-489a-89ac-fcefae747138","Qu'est-ce que la clé de contrôle IBAN et comment l'utiliser pour détecter une erreur ?",{"type":114,"content":4366},[4367],{"type":117,"attrs":4368,"content":4369},{"textAlign":26},[4370],{"text":4371,"type":123},"Les deux chiffres situés après le code pays constituent la clé de controle iban. Ils valident mathématiquement la cohérence du numéro selon l'algorithme MOD-97 (norme ISO 13616). Un IBAN dont la clé est invalide signale une erreur de saisie ou un numéro fabriqué, avant même que le contrôle VoP ne soit déclenché par le PSP. C'est un premier filtre rapide, réalisable dans Excel ou tout logiciel de gestion.",{"_uid":4373,"hide":29,"title":4374,"component":909,"description":4375},"e1bfe1d9-be1f-4a3c-a2e6-83f75fd58f71","Quelles étapes internes prévoir avant que le VoP SEPA s'applique à tous mes paiements ?",{"type":114,"content":4376},[4377],{"type":117,"attrs":4378,"content":4379},{"textAlign":26},[4380],{"text":4381,"type":123},"Coordonnez-vous avec votre banque pour comprendre le paramétrage VoP retenu (seuils d'alerte, mode opt-in ou opt-out) et préparez simultanément vos fichiers de paiement au format ISO 20022 avec adresses structurées avant novembre 2026. 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Ce mécanisme couvre l'ensemble des virements SEPA standards et instantanés pour les PSP de la zone euro depuis le 9 octobre 2025.",{"_uid":4393,"hide":29,"title":4394,"component":909,"description":4395},"bf352a69-8ba5-4a7a-a4a6-b885a1479e5d","Comment vérifier et fiabiliser les IBAN de mes fournisseurs avant un paiement de masse ?",{"type":114,"content":4396},[4397],{"type":117,"attrs":4398,"content":4399},{"textAlign":26},[4400],{"text":4401,"type":123},"Auditez votre référentiel fournisseurs en comparant les dénominations avec le registre SIRENE, standardisez le format des noms légaux, validez chaque IBAN par sa clé de contrôle (2 chiffres après le code pays), et instaurez un workflow de double vérification pour tout changement de coordonnées bancaires. La durée d'un audit dépend de la taille et de la qualité initiale du référentiel : mieux vaut l'anticiper avant une campagne de paiement que le découvrir sous pression.",{"_uid":4403,"hide":29,"title":4404,"component":909,"description":4405},"95f4d885-b2b0-4926-a559-92e6502e9978","Pourquoi un virement SEPA est-il rejeté quand le nom du bénéficiaire et l'IBAN ne correspondent pas ?",{"type":114,"content":4406},[4407],{"type":117,"attrs":4408,"content":4409},{"textAlign":26},[4410],{"text":4411,"type":123},"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. 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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.",[],[4502],{"cta":4503,"_uid":4504,"items":4505,"heading":4546,"reverse":29,"component":1087,"sectionSettings":4568},[],"befd26d7-efbc-4547-b962-adcc04f65826",[4506,4516,4526,4536],{"_uid":4507,"hide":29,"title":4508,"component":909,"description":4509},"ada4ffc1-fd17-4b8a-bc9f-9db853ed2f01","Que se passe-t-il si le code SWIFT est incorrect ?",{"type":114,"content":4510},[4511],{"type":117,"attrs":4512,"content":4513},{"textAlign":26},[4514],{"text":4515,"type":123},"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":4517,"hide":29,"title":4518,"component":909,"description":4519},"57fecd02-9c21-458f-9f48-8556cb56b75e","Peut-on retrouver un code BIC à partir d'un IBAN ?",{"type":114,"content":4520},[4521],{"type":117,"attrs":4522,"content":4523},{"textAlign":26},[4524],{"text":4525,"type":123},"Non directement. Le format IBAN (27 caractères pour un compte français) et le code BIC (8 ou 11 caractères) reposent sur des référentiels distincts. 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Le PCG et l’ANC emploient “tableau des flux de trésorerie” dans leurs textes normatifs.",{"_uid":4649,"hide":29,"title":4650,"component":909,"description":4651},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":114,"content":4652},[4653],{"type":117,"attrs":4654,"content":4655},{"textAlign":26},[4656],{"text":4657,"type":123},"Le cash pooling est une technique de gestion de trésorerie utilisée par les groupes multi-entités. 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Seuls les outils connectés à une ",{"text":4796,"type":123,"marks":4797},"Plateforme Agréée",[4798,4801],{"type":213,"attrs":4799},{"href":4800,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.spendesk.com/fr/blog/plateforme-agreee-pour-la-facturation-electronique-le-guide-complet-pour-choisir-votre-solution/",{"type":190},{"text":4803,"type":123}," ou au PPF pourront émettre des factures conformes en Factur-X, UBL ou CII. À vérifier avant septembre 2026.",{"_uid":4805,"hide":29,"title":4806,"component":909,"description":4807},"cfe37860-b225-44c5-828a-cd8dd8d1417b","Est-il obligatoire d'utiliser un logiciel de facturation en France ?",{"type":114,"content":4808},[4809],{"type":117,"attrs":4810,"content":4811},{"textAlign":26},[4812,4814,4821],{"text":4813,"type":123},"Oui. Depuis la loi anti-fraude TVA, toute entreprise assujettie à la TVA doit utiliser un ",{"text":4815,"type":123,"marks":4816},"logiciel de facturation certifié",[4817,4820],{"type":213,"attrs":4818},{"href":4819,"uuid":26,"anchor":26,"target":216,"linktype":102},"https://www.legifrance.gouv.fr/eli/loi/2018/10/23/CPAE1805937L/jo/texte/fr",{"type":190},{"text":4822,"type":123},", sous peine de 7 500 euros d'amende. À partir de 2026-2027, la réforme ajoute l'obligation d'émettre et de recevoir via une PA ou le PPF.",{"_uid":4824,"hide":29,"title":4825,"component":909,"description":4826},"0a6ccd4f-65f1-4fbb-9115-28fc848d1885","Comment passer d'un outil gratuit à un logiciel de facturation professionnel ?",{"type":114,"content":4827},[4828],{"type":117,"attrs":4829,"content":4830},{"textAlign":26},[4831,4833,4837],{"text":4832,"type":123},"Exportez vos données (clients, historique de factures) via CSV ou API, choisissez une solution avec intégration comptable native et prévoyez 2 à 4 semaines pour la configuration et la formation. Notre guide sur la ",{"text":641,"type":123,"marks":4834},[4835],{"type":213,"attrs":4836},{"href":645,"uuid":26,"anchor":26,"target":216,"linktype":102},{"text":4838,"type":123}," détaille les étapes de préparation.",{"_uid":4840,"hide":29,"title":4841,"component":909,"description":4842},"a5c207c6-0923-4eb5-bcde-b749cfe45f20","Facture.net est-il vraiment gratuit et illimité ?",{"type":114,"content":4843},[4844],{"type":117,"attrs":4845,"content":4846},{"textAlign":26},[4847],{"text":4848,"type":123},"Oui. Facture.net propose un abonnement à 0 euro avec un nombre illimité de devis et de factures. L'outil couvre les besoins fondamentaux, mais ne dispose ni de workflows d'approbation ni de rapprochement bancaire, ce qui le limite aux activités individuelles.",[4850],{"cta":4851,"_uid":4852,"title":4853,"eyebrow":4859,"subtitle":4865,"component":265,"textAlign":52,"eyebrowPill":29,"flexibleSection":4868,"sectionSettings":4869,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"9b976e42-6ce0-4ef1-ae61-9e2a932dca41",{"type":114,"content":4854},[4855],{"type":117,"attrs":4856,"content":4857},{"textAlign":26},[4858],{"text":4422,"type":123},{"type":114,"content":4860},[4861],{"type":117,"attrs":4862,"content":4863},{"textAlign":26},[4864],{"text":1081,"type":123},{"type":114,"content":4866},[4867],{"type":117},[],[],[],"facture-en-ligne-gratuit","fr/facture-en-ligne-gratuit",-580,[],"f1a6e900-fc24-4227-b235-eac4bbda0046",[],[4878,4879,4880],{"path":4871,"name":26,"lang":33,"published":42},{"path":4871,"name":26,"lang":39,"published":26},{"path":4871,"name":26,"lang":41,"published":26},[4882,4883,4884,4885],["Reactive",3108],["Reactive",3743],["Reactive",4153],["Reactive",3035],["Island",4887],{"key":4888,"result":4889},"MarkdownRenderer_yQV9KicrQwSzZSxOd69k8Sa4kyxx81pwVj610NDIA",{"head":4890},{"link":4891,"style":4892},[],[],1781880653728]