[{"data":1,"prerenderedAt":4527},["ShallowReactive",2],{"fr-blog/rapprochement-bancaire":3,"fr-global-content":762,"fr-article-global-content":2370,"fr-blog-article-more-articles-d0994ca0-a555-425e-b68f-d17b0657cfdb":2620,"fr-blog-article-more-articles-213432027":4522},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":749,"full_slug":750,"sort_by_date":53,"position":751,"tag_list":752,"is_startpage":30,"parent_id":753,"meta_data":53,"group_id":754,"first_published_at":755,"release_id":53,"lang":59,"path":53,"alternates":756,"default_full_slug":757,"translated_slugs":758},"Rapprochement bancaire : organisation pour un processus efficace","2022-11-02T17:55:43.004Z","2026-03-20T15:34:26.925Z","2026-03-20T15:34:26.946Z",213432027,"ee6a01cb-9eef-45c2-a993-6daad0e01ef8",{"_uid":11,"roles":12,"title":4,"author":13,"topics":69,"content":92,"category":633,"language":659,"component":646,"heroMedia":660,"sidebarCta":667,"publishedAt":668,"readingTime":669,"redirectUrl":24,"listingImage":670,"metaDescription":671,"componentsAfterTheArticle":672},"c735d228-3f18-4d36-ad4f-636ec9149104",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":51,"full_slug":52,"sort_by_date":53,"position":54,"tag_list":55,"is_startpage":30,"parent_id":56,"meta_data":53,"group_id":57,"first_published_at":58,"release_id":53,"lang":59,"path":53,"alternates":60,"default_full_slug":61,"translated_slugs":62,"_stopResolving":68},"Laurence Kermorgant","2022-10-19T17:43:32.473Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:22.250Z",206167982,"ad5e9865-33b0-4e4f-87fb-87854da52c85",{"_uid":21,"name":14,"links":22,"picture":37,"lastName":39,"component":40,"firstName":41,"description":42},"7b6af6e6-4cef-414b-b406-e7f20b9f0876",[23],{"tag":24,"_uid":25,"icon":26,"link":31,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"","fc35f0d4-4b24-4a61-9b3e-74da38f7994c",{"id":27,"alt":24,"name":24,"focus":24,"title":24,"filename":28,"copyright":24,"fieldtype":29,"is_external_url":30},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":24,"url":32,"linktype":33,"fieldtype":34,"cached_url":32},"https://www.linkedin.com/in/laurence-kermorgant-5018a52/","url","multilink","primary","cta",{"alt":38,"name":24,"focus":24,"title":24,"filename":38,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/433x433/c873863fcb/laurence-kermorgant.jpeg","Kermorgant","author","Laurence",{"type":43,"content":44},"doc",[45],{"type":46,"content":47},"paragraph",[48],{"text":49,"type":50},"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",[63,64,66],{"path":61,"name":53,"lang":59,"published":53},{"path":61,"name":53,"lang":65,"published":53},"de",{"path":61,"name":53,"lang":67,"published":53},"es",true,[70],{"name":71,"created_at":72,"published_at":16,"updated_at":73,"id":74,"uuid":75,"content":76,"slug":79,"full_slug":80,"sort_by_date":53,"position":81,"tag_list":82,"is_startpage":30,"parent_id":83,"meta_data":53,"group_id":84,"first_published_at":85,"release_id":53,"lang":59,"path":53,"alternates":86,"default_full_slug":87,"translated_slugs":88,"_stopResolving":68},"Comptabilité","2022-10-19T17:57:49.664Z","2026-03-12T10:47:22.734Z",206171401,"d0994ca0-a555-425e-b68f-d17b0657cfdb",{"_uid":77,"name":71,"component":78},"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",[89,90,91],{"path":87,"name":53,"lang":59,"published":53},{"path":87,"name":53,"lang":65,"published":53},{"path":87,"name":53,"lang":67,"published":53},{"type":43,"content":93},[94,105,118,127,143,151,161,171,180,187,197,219,229,243,250,273,280,290,297,307,314,324,334,341,351,361,368,378,385,395,405,415,422,432,442,449,466,476,483,493,499,506,524,533,543,548,555,565,591,607,614],{"type":46,"content":95},[96,98,103],{"text":97,"type":50},"Le rapprochement bancaire, ou lettrage, reste un outil essentiel pour le contrôle interne en entreprise. Il est temps de dépoussiérer le concept. Il conserve souvent une image vieillotte du comptable qui réalise le pointage de chaque ligne de comptes. Voici un tour d’horizon du fonctionnement et des avantages que comporte le processus de ",{"text":99,"type":50,"marks":100},"rapprochement bancaire",[101],{"type":102},"bold",{"text":104,"type":50},".",{"type":46,"content":106},[107,109,116],{"text":108,"type":50},"Nous aborderons ensuite la manière de ",{"text":110,"type":50,"marks":111},"l’automatiser",[112],{"type":113,"attrs":114},"link",{"href":115,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.spendesk.com/fr/blog/automatisation-daf/",{"text":117,"type":50}," et de le faciliter sur le plan organisationnel. Enfin, vous comprendrez comment Spendesk aide à fluidifier les contrôles entre comptabilité relevés bancaires.",{"type":119,"attrs":120,"content":122},"heading",{"level":121},2,[123],{"text":124,"type":50,"marks":125},"Rapprochement bancaire : définition et fonctionnement pratique",[126],{"type":102},{"type":46,"content":128},[129,131,135,137,141],{"text":130,"type":50},"En tant que DAF, vous disposez dans vos équipes d’une personne chargée d’établir le rapprochement bancaire compte de banque par compte de banque. Voici un ",{"text":132,"type":50,"marks":133},"rappel de la définition",[134],{"type":102},{"text":136,"type":50}," du processus et ",{"text":138,"type":50,"marks":139},"des tâches à réaliser",[140],{"type":102},{"text":142,"type":50},", y compris pour le directeur administratif et financier de l’entreprise.",{"type":119,"attrs":144,"content":146},{"level":145},3,[147],{"text":148,"type":50,"marks":149},"Définition du rapprochement bancaire",[150],{"type":102},{"type":46,"content":152},[153,155,159],{"text":154,"type":50},"Avant tout, c’est un ",{"text":156,"type":50,"marks":157},"outil de contrôle interne puissant",[158],{"type":102},{"text":160,"type":50},". Vous avez souvent entendu dire qu’un rapprochement bancaire doit être juste à l’euro près. La direction financière a pour mission l’enregistrement comptable de tous les mouvements de trésorerie de l’entreprise, encaissements comme décaissements. Aussi, quelle que soit l’activité, elle doit refléter parfaitement toutes les opérations qui figurent sur chaque relevé bancaire. Pour autant, il peut exister des décalages temporels.",{"type":46,"content":162},[163,165,169],{"text":164,"type":50},"Le rapprochement bancaire vise donc à s’en assurer ",{"text":166,"type":50,"marks":167},"en identifiant tous les écarts entre le solde du compte et celui en banque",[168],{"type":102},{"text":170,"type":50},". Ensuite, le travail consiste à vérifier l’apurement de chaque montant en écart. Ceci s’effectue généralement par l’établissement du rapprochement bancaire de la ou des périodes suivantes.",{"type":172,"attrs":173},"blok",{"id":174,"body":175},"b079b9ff-51b6-4de2-b108-fe32c00b50cb",[176],{"_uid":177,"html":178,"component":179},"i-b7174623-be37-4f2e-8dda-7a6739b6b6c4","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-384dc53c-5d1c-4fc0-b03b-55bf50e229d3\">\u003Cspan class=\"hs-cta-node hs-cta-384dc53c-5d1c-4fc0-b03b-55bf50e229d3\" id=\"hs-cta-384dc53c-5d1c-4fc0-b03b-55bf50e229d3\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/384dc53c-5d1c-4fc0-b03b-55bf50e229d3\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-384dc53c-5d1c-4fc0-b03b-55bf50e229d3\" style=\"border-width:0px;\" height=\"600\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/384dc53c-5d1c-4fc0-b03b-55bf50e229d3.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, '384dc53c-5d1c-4fc0-b03b-55bf50e229d3', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":119,"attrs":181,"content":182},{"level":145},[183],{"text":184,"type":50,"marks":185},"Composantes d’un état de rapprochement bancaire",[186],{"type":102},{"type":46,"content":188},[189,191,195],{"text":190,"type":50},"En tant que DAF, vous ",{"text":192,"type":50,"marks":193},"visez théoriquement tous les rapprochements bancaires",[194],{"type":102},{"text":196,"type":50}," de votre entreprise. Les commissaires aux comptes vérifient souvent que ce contrôle s’effectue régulièrement. Lorsque vous le réalisez périodiquement, vous devez disposer des 3 documents suivants pour chaque compte 512 de la balance comptable :",{"type":198,"content":199},"bullet_list",[200,207,213],{"type":201,"content":202},"list_item",[203],{"type":46,"content":204},[205],{"text":206,"type":50},"copie ou scan de l’extrait de compte bancaire à la date du rapprochement ;",{"type":201,"content":208},[209],{"type":46,"content":210},[211],{"text":212,"type":50},"solde du compte de la banque édité à la même date ;",{"type":201,"content":214},[215],{"type":46,"content":216},[217],{"text":218,"type":50},"état de rapprochement bancaire à proprement parler.",{"type":46,"content":220},[221,223,227],{"text":222,"type":50},"Le ",{"text":224,"type":50,"marks":225},"tableau de rapprochement",[226],{"type":102},{"text":228,"type":50}," constitue une table de passage entre le solde bancaire et le solde comptable avec :",{"type":198,"content":230},[231,237],{"type":201,"content":232},[233],{"type":46,"content":234},[235],{"text":236,"type":50},"d’une part, le détail des sommes comptabilisées et non passées en banque (exemple : les chèques émis non débités) ;",{"type":201,"content":238},[239],{"type":46,"content":240},[241],{"text":242,"type":50},"d’autre part, la liste des montants constatés en banque et sans saisie comptable de chaque opération (exemple : des prélèvements ou des frais bancaires et agios).",{"type":119,"attrs":244,"content":245},{"level":145},[246],{"text":247,"type":50,"marks":248},"Contrôles de cohérence et signature du rapprochement bancaire par le DAF",[249],{"type":102},{"type":46,"content":251},[252,256,258,264,266,272],{"text":253,"type":50,"marks":254},"Vérifiez la cohérence",[255],{"type":102},{"text":257,"type":50}," des sommes restant en suspens et leur antériorité. En cas de doute, réalisez un mini ",{"text":259,"type":50,"marks":260},"audit",[261],{"type":113,"attrs":262},{"href":263,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.spendesk.com/fr/blog/audit-comptable-et-financier/",{"text":265,"type":50},". Interrogez le service trésorerie pour mieux comprendre. Si c’est utile, faites comptabiliser ce qui manque pour l’arrêté de votre situation mensuelle. Il peut s’agir de provisions ou d’écritures complémentaires du journal de banque. Si nécessaire, demandez à ressortir les documents corrigés du rapprochement bancaire de la période. Signez ou visez le tableau final. Enfin, archivez votre contrôle pour le dossier de ",{"text":267,"type":50,"marks":268},"bilan comptable",[269],{"type":113,"attrs":270},{"href":271,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.spendesk.com/fr/glossaire/bilan-financier/",{"text":104,"type":50},{"type":119,"attrs":274,"content":275},{"level":121},[276],{"text":277,"type":50,"marks":278},"Les avantages du rapprochement bancaire dans une entreprise",[279],{"type":102},{"type":46,"content":281},[282,284,288],{"text":283,"type":50},"Ce processus comporte plusieurs avantages concrets pour le ",{"text":285,"type":50,"marks":286},"pilotage financier d’une société",[287],{"type":102},{"text":289,"type":50},". Ce n’est pas une opération bancaire à prendre à la légère. Elle mérite toute votre attention en tant que DAF.",{"type":119,"attrs":291,"content":292},{"level":145},[293],{"text":294,"type":50,"marks":295},"Un outil de base pour le contrôle interne comptable",[296],{"type":102},{"type":46,"content":298},[299,301,305],{"text":300,"type":50},"Comme évoqué, les commissaires aux comptes prêtent attention aux états de rapprochement bancaire. Le fait que le ",{"text":302,"type":50,"marks":303},"processus soit bien géré et sous contrôle",[304],{"type":102},{"text":306,"type":50}," au niveau de la DAF contribue à les rassurer. Chaque flux financier, encaissement comme décaissement, doit trouver sa justification dans une pièce comptable. Aussi, il importe de vérifier que chaque montant se retrouve bien en comptabilité et dans le grand livre des comptes.",{"type":119,"attrs":308,"content":309},{"level":145},[310],{"text":311,"type":50,"marks":312},"Identification des erreurs et omissions en comptabilité",[313],{"type":102},{"type":46,"content":315},[316,318,322],{"text":317,"type":50},"Par la réconciliation des données issues de la comptabilité et celles enregistrées en banque, vous pouvez ",{"text":319,"type":50,"marks":320},"détecter divers types d’irrégularités ou d’oublis",[321],{"type":102},{"text":323,"type":50},". Le problème peut provenir de la comptabilité avec une écriture saisie à tort ou omise. Inversement, en cas d’erreur de la banque, il convient d’effectuer des recherches et d’obtenir la correction de l’établissement financier.",{"type":46,"content":325},[326,328,332],{"text":327,"type":50},"Si un client vous vire le paiement d’une facture sans prévenir, vous retrouvez l’information sur le relevé de compte. Vous attendez la perception d’une subvention ? C’est souvent la lecture du relevé bancaire qui vous apporte la bonne nouvelle. Un ",{"text":329,"type":50,"marks":330},"chèque émis à un fournisseur",[331],{"type":102},{"text":333,"type":50}," depuis un an et non débité en banque n’a plus de valeur et peut être annulé.",{"type":119,"attrs":335,"content":336},{"level":145},[337],{"text":338,"type":50,"marks":339},"Un support pour la prévision et gestion de trésorerie",[340],{"type":102},{"type":46,"content":342},[343,345,349],{"text":344,"type":50},"Les ",{"text":346,"type":50,"marks":347},"prévisions de trésorerie doivent partir en permanence de la position réelle",[348],{"type":102},{"text":350,"type":50}," du jour ou de la semaine. Si vous utilisez les soldes bancaires de la comptabilité, vous risquez de générer des décalages. C’est la banque qui vous fournit cette information.",{"type":46,"content":352},[353,355,359],{"text":354,"type":50},"Pour préparer vos prévisions d’encaissements et de décaissements, vous exploitez souvent les échéanciers proposés par votre logiciel de comptabilité. Toutefois, n’oubliez pas d’ajouter à ces sommes les montants de l’état de rapprochement bancaire côté comptabilité. Effectivement, les encaissements et décaissements comptabilisés, qui n’apparaissent ni au débit ni au crédit du relevé de compte bancaire sont à prendre en compte. En effet, ",{"text":356,"type":50,"marks":357},"ils ne figurent plus dans les échéanciers issus de la comptabilité",[358],{"type":102},{"text":360,"type":50}," utilisés pour la prévision.",{"type":119,"attrs":362,"content":363},{"level":121},[364],{"text":365,"type":50,"marks":366},"Comment automatiser et faciliter son rapprochement bancaire ?",[367],{"type":102},{"type":46,"content":369},[370,372,376],{"text":371,"type":50},"L’établissement du rapprochement bancaire constitue donc une tâche essentielle pour la bonne tenue de la comptabilité de l’entreprise. Comme pour beaucoup d’autres fonctions comptables, la technologie a bien évolué. Elle permet aujourd’hui d’",{"text":373,"type":50,"marks":374},"envisager ce travail plus sereinement",[375],{"type":102},{"text":377,"type":50},", de manière moins chronophage et fastidieuse. Voyons comment.",{"type":119,"attrs":379,"content":380},{"level":145},[381],{"text":382,"type":50,"marks":383},"Périodicité et organisation du rapprochement bancaire",[384],{"type":102},{"type":46,"content":386},[387,389,393],{"text":388,"type":50},"Indirectement, le rapprochement bancaire constitue une ",{"text":390,"type":50,"marks":391},"obligation même si elle n’est pas inscrite dans la loi",[392],{"type":102},{"text":394,"type":50},". En effet, si vous voulez obtenir la certification de vos comptes par les commissaires aux comptes, vous n’y couperez pas.",{"type":46,"content":396},[397,399,403],{"text":398,"type":50},"Nous recommandons de l’effectuer ",{"text":400,"type":50,"marks":401},"au minimum chaque mois",[402],{"type":102},{"text":404,"type":50},", en particulier si vous réalisez des situations comptables mensuelles. C’est la garantie de disposer de contrôles de base en matière de trésorerie et de détecter le cas échéant des erreurs de saisie qui peuvent impacter la comptabilité.",{"type":46,"content":406},[407,409,413],{"text":408,"type":50},"Pour les entreprises qui présentent une quantité de flux importante, le rythme hebdomadaire est approprié. ",{"text":410,"type":50,"marks":411},"Plus votre équipe établit régulièrement le rapprochement bancaire",[412],{"type":102},{"text":414,"type":50}," de chaque banque, plus elle trouve facilement les explications concernant les écarts ou anomalies. C’est exactement comme le compte d’attente. Laisser les choses en suspens plusieurs mois constitue rarement une bonne idée.",{"type":119,"attrs":416,"content":417},{"level":145},[418],{"text":419,"type":50,"marks":420},"Les outils et logiciels pour simplifier la réconciliation de la banque et de la comptabilité",[421],{"type":102},{"type":46,"content":423},[424,426,430],{"text":425,"type":50},"Il est révolu le temps où l’état de rapprochement bancaire se montait sur un tableau Excel à l’issue de multiples pointages ligne à ligne entre comptabilité et banque. La tâche s’automatise et peut se confier à un salarié non expert en débit et crédit. ",{"text":427,"type":50,"marks":428},"La plupart des logiciels de comptabilité ou de gestion de trésorerie",[429],{"type":102},{"text":431,"type":50}," en PME proposent aujourd’hui une fonctionnalité de rapprochement bancaire.",{"type":46,"content":433},[434,436,440],{"text":435,"type":50},"Vous récupérez par interface les informations détaillées de la banque. En définissant des ",{"text":437,"type":50,"marks":438},"règles de rapprochement précises",[439],{"type":102},{"text":441,"type":50},", vous demandez au logiciel de dégrossir au maximum le mariage des données bancaires avec celles de la comptabilité pour faciliter la rédaction du compte de résultats. Il reste alors à analyser les montants non rapprochés de part et d’autre et à effectuer les compléments d’écritures comptables le cas échéant.",{"type":119,"attrs":443,"content":444},{"level":145},[445],{"text":446,"type":50,"marks":447},"Les opérations qui facilitent la gestion du rapprochement",[448],{"type":102},{"type":46,"content":450},[451,453,457,459,465],{"text":452,"type":50},"À côté du logiciel de rapprochement bancaire, notez que ",{"text":454,"type":50,"marks":455},"certains outils informatiques",[456],{"type":102},{"text":458,"type":50}," de gestion des dépenses aident aussi au processus. Il s’agit de modes de pilotage nouveaux qui tracent les opérations de dépenses à partir des ",{"text":460,"type":50,"marks":461},"moyens de paiement",[462],{"type":113,"attrs":463},{"href":464,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.adyen.com/fr_FR/moyens-de-paiement",{"text":104,"type":50},{"type":46,"content":467},[468,470,474],{"text":469,"type":50},"De cette manière, c’est ",{"text":471,"type":50,"marks":472},"l’acte de décaissement qui va générer les écritures comptables",[473],{"type":102},{"text":475,"type":50},", ce qui évite donc tout écart entre la comptabilité et la banque. 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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.",[],[3865],{"cta":3866,"_uid":3867,"items":3868,"heading":3909,"reverse":30,"component":740,"sectionSettings":3931},[],"befd26d7-efbc-4547-b962-adcc04f65826",[3869,3879,3889,3899],{"_uid":3870,"hide":30,"title":3871,"component":679,"description":3872},"ada4ffc1-fd17-4b8a-bc9f-9db853ed2f01","Que se passe-t-il si le code SWIFT est incorrect ?",{"type":43,"content":3873},[3874],{"type":46,"attrs":3875,"content":3876},{"textAlign":53},[3877],{"text":3878,"type":50},"Le virement est rejeté. 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Le PCG et l’ANC emploient “tableau des flux de trésorerie” dans leurs textes normatifs.",{"_uid":4012,"hide":30,"title":4013,"component":679,"description":4014},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":43,"content":4015},[4016],{"type":46,"attrs":4017,"content":4018},{"textAlign":53},[4019],{"text":4020,"type":50},"Le cash pooling est une technique de gestion de trésorerie utilisée par les groupes multi-entités. 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