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dans le détail du pourquoi et du comment, voici ce que nous apprend l’analyse des dépenses de 2 500 PME européennes au cours des 12 derniers mois :",{"type":216,"attrs":217},"blok",{"id":218,"body":219},"c5f4faf0-f1aa-4358-a5ce-663c0feef376",[220],{"_uid":221,"text":222,"color":223,"title":224,"backCtas":225,"backMedia":234,"component":245},"i-507ca565-c11a-45a1-9142-6c216998ed4c","🇪🇺 🇬🇧 À l’échelle européenne\\* :\n\n- Les écarts de prix observés chez un même fournisseur représentent une opportunité d’économies estimée à près de **7 milliards d’euros par an** à l’échelle du marché.\n- La simple suppression des outils en doublon pourrait permettre de libérer **3 milliards d’euros par an** sur le marché.\n\n🔍 À l’échelle de l’échantillon :\n\n- Les écarts de prix observés chez un même fournisseur représentent **69 à 76 millions d’euros par an** de dépenses potentiellement récupérables pour les PME européennes. Autrement dit, même lorsqu’elles achètent exactement le même logiciel et ont une taille comparable, deux entreprises paient rarement le même prix.\n- La simple suppression des outils en doublon pourrait **libérer 15 M€** si les équipes disposaient de davantage de visibilité et de contrôle sur la manière dont ces dépenses sont engagées.\n- **Plus de deux entreprises sur trois** qui utilisent des outils d’IA paient déjà pour au moins deux solutions concurrentes en parallèle — le plus souvent sans avoir réellement décidé de le faire.\n- Les dépenses totales consacrées à l’IA ont bondi de **340 %** en douze mois, alors que le nombre d’entreprises qui utilisent ces outils a très peu augmenté. Autrement dit, la hausse vient surtout de celles qui ont déjà adopté l’IA et qui y consacrent de plus en plus de budget, plutôt que d’un afflux de nouveaux utilisateurs. La « démocratisation » de l’IA progresse donc bien moins vite que les dépenses qu’elle génère.\n- Pour une entreprise type, la facture IA varie de **61 %** d’un mois à l’autre, et peut être **jusqu’à huit fois plus élevée** certains mois que d’autres. Des écarts de cette ampleur sont difficiles à anticiper avec un budget fixe.\n\n\\**Modélisation réalisée sur l’ensemble des entreprises européennes de 50 à 249 salariés. 250 670 entreprises de 50 à 249 salariés dans l’UE ; Eurostat, statistiques structurelles sur les entreprises, UE-27, données provisoires 2024.*","purple","📌 À retenir",[226],{"tag":70,"_uid":227,"hide":28,"icon":228,"link":230,"type":70,"label":232,"style":148,"component":149,"mobileLabel":70,"onClickEvent":233,"openInANewTab":28,"horizontalFill":28,"isDownloadable":41},"i-5679e58e-781a-432b-bc12-9c2a1900becf",{"id":25,"alt":25,"name":70,"focus":25,"title":25,"source":25,"filename":70,"copyright":25,"fieldtype":143,"meta_data":229},{},{"id":70,"url":231,"linktype":146,"fieldtype":147,"cached_url":231},"https://a.storyblok.com/f/146026/1080x2508/fc21c27e86/french-infographics-from-spendesk.png","Télécharger en taille réelle","website:report_download:clicked",[235],{"_uid":236,"link":237,"asset":240,"caption":70,"component":244},"i-101637aa-a161-4441-871e-adbe8bdc7c74",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},"story","/fr/",{"id":241,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":231,"copyright":70,"fieldtype":143,"meta_data":242,"is_external_url":28},226368248115643,{"size":243},"1080x2508","image","callout",{"type":158,"attrs":247,"content":249},{"textAlign":25,"key":248},"p-1",[250],{"text":251,"type":164},"Chaque CFO a sa propre idée de l’ampleur prise par les outils SaaS dans son entreprise. Mais rares sont ceux qui disposent d’une vision précise des montants réellement dépensés. Chez Spendesk, ce sont justement ces dépenses que nous observons chaque jour.",{"type":158,"attrs":253,"content":255},{"textAlign":25,"key":254},"p-2",[256],{"text":257,"type":164},"C’est ce que permet une plateforme de gestion des dépenses qui traite plus de 10 milliards d’euros de paiements B2B en Europe : nous ne nous appuyons pas sur ce que les entreprises déclarent dépenser en logiciels, mais sur ce qu’elles paient réellement, mois après mois et outil par outil. Ce rapport repose ainsi sur douze mois de données transactionnelles réelles, comprenant des factures, des abonnements et des paiements par carte, issues de 2 500 entreprises européennes anonymisées, réparties dans neuf grands secteurs et quatre catégories de taille.",{"type":259,"attrs":260,"content":262},"heading",{"level":261,"textAlign":25},2,[263],{"text":264,"type":164,"marks":265},"SaaS en Europe : le prix d’un gaspillage devenu structurel",[266],{"type":267},"bold",{"type":158,"attrs":269,"content":271},{"textAlign":25,"key":270},"p-3",[272],{"text":273,"type":164},"Les entreprises européennes dépensent désormais près de 250 000 € par an en logiciels, en moyenne. Ce montant augmente depuis des années, sans que grand monde, en dehors de la Finance, ait vraiment eu à expliquer pourquoi.",{"type":158,"attrs":275,"content":277},{"textAlign":25,"key":276},"p-4",[278,280,288],{"text":279,"type":164},"Une partie de la réponse tient simplement au manque de suivi. Selon des benchmarks externes, notamment le ",{"text":281,"type":164,"marks":282},"SaaS Management Index 2024 de Zylo",[283],{"type":284,"attrs":285},"link",{"href":286,"uuid":25,"anchor":25,"target":287,"linktype":146},"https://zylo.com/news/2024-saas-management-index","_new",{"text":289,"type":164},", le taux moyen d’utilisation des licences n’est que de 49 %. Autrement dit, près de la moitié des accès payés par une entreprise restent inutilisés, mois après mois, parce que personne ne les a audités, réattribués ou simplement pensé à les vérifier.",{"type":158,"attrs":291,"content":293},{"textAlign":25,"key":292},"p-5",[294],{"text":295,"type":164},"L’autre partie du problème, c’est le prix. Un même logiciel vendu à deux entreprises de taille comparable ne leur coûte pas nécessairement la même chose. Rapporté à l’ensemble des entreprises européennes de 50 à 249 salariés, cet écart représente environ 7 milliards d’euros par an. C’est là que les entreprises en forte croissance deviennent particulièrement exposées : les effectifs augmentent plus vite que la maturité des achats. Une entreprise peut facilement utiliser plus de 30 outils SaaS avant même d’avoir quelqu’un dont le rôle consiste à négocier le prix d’un seul d’entre eux.",{"type":158,"attrs":297,"content":299},{"textAlign":25,"key":298},"p-6",[300],{"text":301,"type":164},"Les doublons viennent encore alourdir la facture. La majorité des entreprises qui utilisent des outils d’IA paient désormais pour au moins deux solutions concurrentes en parallèle. C’est également le cas pour les logiciels de design. Et le même schéma se répète catégorie après catégorie : utiliser plusieurs outils qui couvrent en partie les mêmes besoins reste difficile à justifier, mais la pratique est devenue suffisamment courante pour finir par paraître normale.",{"type":158,"attrs":303,"content":305},{"textAlign":25,"key":304},"p-7",[306],{"text":307,"type":164},"Sur une facture, pourtant, cela ressemble simplement à une ligne de plus, provenant d’un fournisseur que personne n’a pensé à remettre en question.",{"type":158,"attrs":309,"content":311},{"textAlign":25,"key":310},"p-8",[312],{"text":313,"type":164},"En clair, le gaspillage est devenu structurel.",{"type":259,"attrs":315,"content":317},{"level":316,"textAlign":25},3,[318],{"text":319,"type":164,"marks":320},"L’IA change complètement la donne",[321],{"type":267},{"type":216,"attrs":323},{"id":324,"body":325},"d87830e7-37c5-43ad-b63e-2e1374862388",[326],{"_uid":327,"link":328,"asset":329,"caption":70,"component":244},"i-1e07f311-6bd1-4ffb-8982-b61d9265f8a8",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":330,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":331,"copyright":70,"fieldtype":143,"meta_data":332,"is_external_url":28},225651098387495,"https://a.storyblok.com/f/146026/1280x832/2b3e16336e/chart-1_fr.png",{"size":333},"1280x832",{"type":158,"attrs":335,"content":337},{"textAlign":25,"key":336},"p-9",[338],{"text":339,"type":164},"Ce qui distingue la situation actuelle des précédentes phases de développement du SaaS, c’est l’IA. Et le changement est déjà très visible.",{"type":158,"attrs":341,"content":343},{"textAlign":25,"key":342},"p-10",[344],{"text":345,"type":164},"Il y a un an, OpenAI arrivait largement en tête des dépenses IA des entreprises européennes. Début 2026, Anthropic l’avait dépassé. Sur la deuxième moitié de la période étudiée, les dépenses consacrées à Anthropic ont été multipliées par plus de sept. Celles liées à OpenAI, elles, ont plafonné avant de légèrement reculer.",{"type":158,"attrs":347,"content":349},{"textAlign":25,"key":348},"p-11",[350],{"text":351,"type":164},"Cursor a lui aussi fortement progressé, avec une facture plus que doublée sur la même période. Dust, Lovable et Mistral restent encore loin derrière, mais à ce rythme, l’écart pourrait vite se réduire.",{"type":158,"attrs":353,"content":355},{"textAlign":25,"key":354},"p-12",[356],{"text":357,"type":164},"Les factures SaaS traditionnelles évoluent rarement de cette manière. Une facture Figma de 500 € reste généralement autour de 500 € le mois suivant. Avec l’IA, la logique change complètement. Chaque prompt, chaque agent et chaque workflow automatisé peut faire grimper la facture. Les coûts deviennent donc beaucoup plus difficiles à prévoir pour les équipes Finance. Il n’y a pas forcément de date de renouvellement pour déclencher une revue, ni de budget fixe capable d’absorber une hausse brutale. Résultat, les dépenses peuvent s’accumuler pendant plusieurs semaines avant d’être repérées, parfois une fois que la facture a déjà fortement augmenté.",{"type":259,"attrs":359,"content":360},{"level":316,"textAlign":25},[361],{"text":362,"type":164,"marks":363},"Comment les équipes Finance peuvent réduire les dépenses SaaS inutiles et mieux maîtriser les coûts liés à l’IA",[364],{"type":267},{"type":158,"attrs":366,"content":368},{"textAlign":25,"key":367},"p-13",[369],{"text":370,"type":164},"La fenêtre pour prendre de l’avance se referme. Et plus une entreprise agit tôt, plus l’avantage peut se creuser avec le temps.",{"type":158,"attrs":372,"content":374},{"textAlign":25,"key":373},"p-14",[375],{"text":376,"type":164,"marks":377},"Benchmark",[378],{"type":267},{"type":158,"attrs":380,"content":382},{"textAlign":25,"key":381},"p-15",[383],{"text":384,"type":164},"Premier problème : le manque de repères. Difficile de négocier quand on ne sait pas ce que paient des entreprises comparables, d’autant que les fournisseurs SaaS restent souvent peu transparents sur leurs tarifs. Savoir où l’on se situe par rapport au marché n’est donc pas un simple plus. C’est le point de départ pour identifier les prix qui méritent d’être renégociés.",{"type":158,"attrs":386,"content":388},{"textAlign":25,"key":387},"p-16",[389],{"text":390,"type":164,"marks":391},"Suivi de l’utilisation",[392],{"type":267},{"type":158,"attrs":394,"content":396},{"textAlign":25,"key":395},"p-17",[397],{"text":398,"type":164},"Deuxième enjeu : l’efficacité des dépenses. À mesure que l’IA passe de l’expérimentation à un usage plus structurant, le coût par résultat devient un indicateur clé. Il permet de distinguer les entreprises qui développent leur usage de l’IA de manière rentable de celles qui voient surtout leurs dépenses augmenter.",{"type":158,"attrs":400,"content":402},{"textAlign":25,"key":401},"p-18",[403],{"text":404,"type":164},"Les outils qui ont permis de mieux gérer la multiplication des SaaS doivent désormais aller plus loin. Il ne suffit plus de suivre le nombre de licences. Il faut aussi suivre la consommation réelle et comprendre comment les coûts évoluent avec l’usage.",{"type":158,"attrs":406,"content":408},{"textAlign":25,"key":407},"p-19",[409],{"text":410,"type":164},"Les entreprises qui considèrent les dépenses IA comme un véritable levier stratégique, plutôt que comme une simple ligne budgétaire à surveiller après coup, seront mieux placées pour prendre de l’avance dans les douze prochains mois.",{"type":158,"attrs":412,"content":414},{"textAlign":25,"key":413},"p-20",[415],{"text":416,"type":164,"marks":417},"Contrôles en temps réel",[418],{"type":267},{"type":158,"attrs":420,"content":422},{"textAlign":25,"key":421},"p-21",[423],{"text":424,"type":164},"Ce rapport met en lumière trois domaines dans lesquels les équipes Finance peuvent réaliser de véritables économies. Tous ont un point commun : une partie du gaspillage peut être évitée en intervenant au moment où la dépense a lieu, plutôt qu’une fois l’argent dépensé.",{"type":158,"attrs":426,"content":428},{"textAlign":25,"key":427},"p-22",[429],{"text":430,"type":164},"Des limites automatisées, des règles appliquées dès l’achat et des alertes en temps réel permettent de détecter plus tôt les dérives et d’éviter qu’elles ne s’installent durablement.",{"type":158,"attrs":432,"content":434},{"textAlign":25,"key":433},"p-23",[435,437],{"text":436,"type":164},"Presque toutes les équipes Finance avec lesquelles nous échangeons pensent déjà que leur entreprise fonctionne à peu près aussi efficacement que possible. ",{"text":438,"type":164,"marks":439},"Les données ci-dessous racontent une autre histoire.",[440],{"type":267},{"type":259,"attrs":442,"content":443},{"level":261,"textAlign":25},[444],{"text":445,"type":164},"1. À logiciel et taille comparables, les factures varient fortement",{"type":259,"attrs":447,"content":448},{"level":316,"textAlign":25},[449],{"text":450,"type":164,"marks":451},"Le constat : les entreprises européennes pourraient payer 7 milliards d’euros de trop par an pour leurs logiciels SaaS",[452],{"type":267},{"type":158,"attrs":454,"content":455},{"textAlign":25,"key":160},[456],{"text":457,"type":164,"marks":458},"Spendesk a comparé les dépenses mensuelles par salarié sur les principaux logiciels SaaS facturés par utilisateur, en tenant compte de la taille des entreprises. L’analyse fait apparaître environ 69 millions d’euros de surcoûts annuels sur les 2 500 entreprises étudiées. Pour un même logiciel, certaines entreprises paient deux à quatre fois plus que les acheteurs les plus rigoureux.",[459],{"type":460},"italic",{"type":158,"attrs":462,"content":463},{"textAlign":25,"key":248},[464],{"text":465,"type":164},"Les éditeurs de logiciels affichent leurs tarifs, mais les montants réellement payés par les entreprises peuvent être très différents. Pour plus de 35 des outils SaaS par utilisateur les plus courants, nous avons calculé la dépense mensuelle par salarié. Nous avons ensuite comparé chaque entreprise aux 25 % d’acheteurs qui obtiennent les meilleurs tarifs parmi les entreprises de taille similaire.",{"type":216,"attrs":467},{"id":324,"body":468},[469],{"_uid":470,"link":471,"asset":472,"caption":70,"component":244},"i-92ddcd76-5d61-41e8-a0ab-5811f759096d",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":473,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":474,"copyright":70,"fieldtype":143,"meta_data":475,"is_external_url":28},225652739892568,"https://a.storyblok.com/f/146026/1280x832/c62e976e57/chart-4_fr.png",{"size":333},{"type":158,"attrs":477,"content":478},{"textAlign":25,"key":254},[479],{"text":480,"type":164},"Pour comparer correctement des entreprises de tailles différentes, nous avons ramené les dépenses au nombre de salariés. Et même ainsi, les écarts restent très marqués : chez Atlassian, la dépense va de 2 € à 12 € par salarié, chez Notion de 2 € à 7 €, et chez HubSpot de 6 € à 24 €. Autrement dit, à taille comparable, certaines entreprises paient encore trois à six fois plus que d’autres pour le même outil.",{"type":216,"attrs":482},{"id":324,"body":483},[484],{"_uid":485,"link":486,"asset":487,"caption":70,"component":244},"i-d617a338-3432-4e01-b1f3-26b40a973a8c",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":488,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":489,"copyright":70,"fieldtype":143,"meta_data":490,"is_external_url":28},225652931970403,"https://a.storyblok.com/f/146026/1280x832/d11365a5ce/chart-5_fr.png",{"size":333},{"type":158,"attrs":492,"content":493},{"textAlign":25,"key":270},[494],{"text":495,"type":164},"Une partie des écarts peut s’expliquer par la diversité des offres proposées. C’est notamment le cas chez Adobe ou Atlassian, dont les gammes couvrent plusieurs produits et niveaux de service. Mais pour un outil plus homogène comme Slack, les différences sont plus difficiles à justifier : certaines entreprises dépensent jusqu’à trois fois plus par salarié que les acheteurs qui obtiennent les meilleurs tarifs. Le niveau d’offre choisi joue un rôle, bien sûr, mais la négociation, ou son absence, compte aussi beaucoup.",{"type":158,"attrs":497,"content":498},{"textAlign":25,"key":276},[499],{"text":500,"type":164},"À produit et taille comparables, l’écart dépend notamment de la date de la dernière renégociation, du nombre de licences attribuées par rapport au nombre réellement utilisées et des conditions obtenues au moment de l’achat. Le problème, c’est que les entreprises ont rarement de vrais points de comparaison. Les fournisseurs affichent des tarifs publics, mais pas les montants effectivement payés par des entreprises similaires.",{"type":158,"attrs":502,"content":503},{"textAlign":25,"key":292},[504],{"text":505,"type":164},"Remarque sur l’échantillon : nous avons volontairement exclu de ce calcul les fournisseurs cloud facturés à l’usage, comme AWS, OVH, Scaleway et Gandi. Leurs coûts évoluent avec la consommation et non avec le nombre de licences, ce qui rend la comparaison par salarié moins pertinente. Avec la même méthode de calcul, ils représenteraient 7,1 M€ supplémentaires, mais nous avons choisi de les analyser séparément plutôt que de les intégrer au chiffre principal.",{"type":216,"attrs":507},{"id":324,"body":508},[509],{"_uid":510,"link":511,"asset":512,"caption":70,"component":244},"i-dd49f37d-7b7d-4810-ba74-dbadb5a530c7",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":513,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":514,"copyright":70,"fieldtype":143,"meta_data":515,"is_external_url":28},225653132158342,"https://a.storyblok.com/f/146026/1280x832/75209041a8/chart-6_fr.png",{"size":333},{"type":158,"attrs":517,"content":518},{"textAlign":25,"key":298},[519],{"text":520,"type":164},"Le montant estimé du surpaiement reste globalement stable d’une année sur l’autre, alors même que les tarifs SaaS médians ont baissé. La répartition évolue selon les fournisseurs (l’écart de HubSpot s’est creusé de 1,1 M€, tandis que celui d’Atlassian s’est réduit de 1,4 M€) mais l’écart global varie peu. Le phénomène ne semble donc pas se résorber de lui-même.",{"type":158,"attrs":522,"content":523},{"textAlign":25,"key":304},[524],{"text":525,"type":164,"marks":526},"Par marché : les écarts de maîtrise tarifaire ne s’arrêtent pas aux frontières",[527],{"type":267},{"type":216,"attrs":529},{"id":324,"body":530},[531],{"_uid":532,"link":533,"asset":534,"caption":70,"component":244},"i-a652f213-8837-43a7-a2cc-79590c1393ed",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":535,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":536,"copyright":70,"fieldtype":143,"meta_data":537,"is_external_url":28},225659177527576,"https://a.storyblok.com/f/146026/1280x832/7c7910002a/figma-spend-fr.png",{"size":333},{"type":158,"attrs":539,"content":540},{"textAlign":25,"key":310},[541],{"text":542,"type":164},"Quel que soit le marché observé, un même outil peut être acheté à des prix extrêmement différents. Et aucun pays ne semble avoir réellement résolu le problème. Figma en est un bon exemple. Il s’agit d’un seul produit, avec une tarification complexe qui varie selon les types de licences et la durée des contrats, vendu aux équipes design partout en Europe. Pourtant, sur chacun des marchés étudiés, l’entreprise médiane paie environ 200 € par mois, tandis que le quart des entreprises qui paient le plus dépense autour de 1 500 €. Pour un seul fournisseur, l’écart atteint ainsi 6 à 9 fois selon le pays.",{"type":158,"attrs":544,"content":545},{"textAlign":25,"key":336},[546],{"text":547,"type":164},"Le Royaume-Uni est le marché où les prix sont les mieux maîtrisés. La médiane y est la plus élevée, mais les écarts sont plus resserrés et les cas de surpaiement extrême moins nombreux. La France et l’Allemagne affichent des médianes plus basses, mais aussi davantage d’entreprises qui paient des prix très supérieurs au reste du marché.",{"type":158,"attrs":549,"content":550},{"textAlign":25,"key":342},[551,553,560,562,569,577,582],{"text":552,"type":164},"En combinant le surcoût moyen observé avec les données disponibles pour chaque marché, nos estimations indiquent environ 1,2 milliard d’euros de dépenses excessives en France (",{"text":554,"type":164,"marks":555},"EURES",[556],{"type":284,"attrs":557},{"href":558,"uuid":25,"anchor":25,"target":559,"linktype":146},"https://eures.europa.eu/living-and-working/labour-market-information/labour-market-information-france_en","_blank",{"text":561,"type":164},")et 1,4 milliard d’euros au Royaume-Uni ",{"text":563,"type":164,"marks":564},"(",[565],{"type":566,"attrs":567},"textStyle",{"color":568},"#191B1B",{"text":570,"type":164,"marks":571},"House of Commons Library",[572,575],{"type":284,"attrs":573},{"href":574,"uuid":25,"anchor":25,"target":25,"linktype":146},"http://commonslibrary.parliament.uk/research-briefings/sn06152/",{"type":576},"underline",{"text":578,"type":164,"marks":579},")",[580],{"type":566,"attrs":581},{"color":568},{"text":583,"type":164},".",{"type":259,"attrs":585,"content":586},{"level":261,"textAlign":25},[587],{"text":588,"type":164},"2. Outils en doublon : des coûts qui passent sous le radar des équipes",{"type":259,"attrs":590,"content":591},{"level":316,"textAlign":25},[592],{"text":593,"type":164,"marks":594},"Le constat : utiliser plusieurs outils pour répondre au même besoin est devenu très courant",[595],{"type":267},{"type":158,"attrs":597,"content":598},{"textAlign":25,"key":348},[599,603,608,612,617,621,626,630,635],{"text":600,"type":164,"marks":601},"Spendesk a analysé les chevauchements d’abonnements entre différentes catégories de logiciels à partir de ses données transactionnelles. Sur l’ensemble de l’échantillon, l’analyse fait apparaître environ ",[602],{"type":460},{"text":604,"type":164,"marks":605},"15 millions d’euros par an de dépenses potentiellement récupérables liées aux outils en doublon",[606,607],{"type":267},{"type":460},{"text":609,"type":164,"marks":610},", soit près de ",[611],{"type":460},{"text":613,"type":164,"marks":614},"3 milliards d’euros à l’échelle européenne",[615,616],{"type":267},{"type":460},{"text":618,"type":164,"marks":619}," après extrapolation. Plus des deux tiers de ce montant se concentrent dans l’IA et le design, deux catégories où ",[620],{"type":460},{"text":622,"type":164,"marks":623},"72 %",[624,625],{"type":267},{"type":460},{"text":627,"type":164,"marks":628}," et ",[629],{"type":460},{"text":631,"type":164,"marks":632},"64 %",[633,634],{"type":267},{"type":460},{"text":636,"type":164,"marks":637}," des entreprises, respectivement, paient pour au moins deux solutions concurrentes.",[638],{"type":460},{"type":158,"attrs":640,"content":641},{"textAlign":25,"key":354},[642,644,648,650,653],{"text":643,"type":164},"Parmi les entreprises qui utilisent des outils d’IA, ",{"text":645,"type":164,"marks":646},"72 % paient pour au moins deux solutions concurrentes",[647],{"type":267},{"text":649,"type":164},". Dans le design, la proportion atteint ",{"text":631,"type":164,"marks":651},[652],{"type":267},{"text":654,"type":164},". Lorsqu’un nouvel outil est adopté, les abonnements déjà en place sont rarement remis à plat au même moment. Les entreprises ajoutent plus souvent qu’elles ne rationalisent.",{"type":158,"attrs":656,"content":657},{"textAlign":25,"key":367},[658,660],{"text":659,"type":164},"En conséquence, les usages se chevauchent et les coûts s’accumulent. ",{"text":661,"type":164,"marks":662},"Les doublons ne concernent pas quelques entreprises mal organisées : ils sont devenus la norme dans presque toutes les catégories que nous avons étudiées.",[663],{"type":267},{"type":216,"attrs":665},{"id":324,"body":666},[667],{"_uid":668,"link":669,"asset":670,"caption":70,"component":244},"i-7d84c432-9bea-48f7-8d33-086e0a8417ab",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":671,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":672,"copyright":70,"fieldtype":143,"meta_data":673,"is_external_url":28},225653566236084,"https://a.storyblok.com/f/146026/1280x832/1a374b8d25/chart-8_fr.png",{"size":333},{"type":158,"attrs":675,"content":676},{"textAlign":25,"key":373},[677],{"text":678,"type":164},"Les catégories où les doublons sont les plus fréquents sont aussi celles qui évoluent le plus vite, notamment l’IA et le design. Ce n’est pas vraiment surprenant. Dans ces domaines, les équipes commencent souvent par tester plusieurs outils avant de faire un choix. Le problème, c’est que ces tests se transforment facilement en abonnements durables, sans que les solutions devenues inutiles soient forcément supprimées.",{"type":158,"attrs":680,"content":681},{"textAlign":25,"key":381},[682],{"text":683,"type":164},"Pour la Finance, l’enjeu n’est donc pas de traquer les mauvais usages, mais de mieux encadrer le processus. Sans revue régulière des outils et des fournisseurs, les nouveaux abonnements s’ajoutent aux anciens. Et lorsque vient le moment de réduire les coûts, il devient beaucoup plus difficile de savoir lesquels conserver, renégocier ou supprimer.",{"type":158,"attrs":685,"content":686},{"textAlign":25,"key":387},[687],{"text":688,"type":164},"Chez Spendesk, nous sommes confrontés au même sujet. Nous utilisons par exemple Dust et Claude, deux assistants IA, mais pour des besoins différents. La différence, c’est que ce choix est volontaire, connu de la Finance et suivi dans le temps. Chaque outil a une utilité clairement identifiée. Le problème n’est donc pas d’utiliser plusieurs solutions en parallèle, mais de les laisser s’accumuler sans raison précise ni décision explicite.",{"type":216,"attrs":690},{"id":218,"body":691},[692],{"_uid":693,"name":694,"role":70,"image":695,"quote":697,"component":698},"i-c8b670e2-3dd3-4c5e-b9a1-9bb7e971dd92","Pauline Bellee Babel - CFO, Spendesk",{"id":25,"alt":25,"name":70,"focus":25,"title":25,"source":25,"filename":70,"copyright":25,"fieldtype":143,"meta_data":696},{},"Utiliser deux outils d’IA pour des tâches qui se chevauchent n’est pas ce qui m’inquiète le plus. Ce qui m’inquiète réellement, c’est d’avoir deux outils d’IA que personne côté Finance n’a validés. Dust et Claude figurent dans nos dépenses parce que nous avons décidé qu’ils devaient y être : leur utilisation est suivie, un responsable de la dépense est identifié et chacun répond à un besoin précis. C’est le niveau d’exigence à viser : non pas supprimer systématiquement les doublons, mais s’assurer que chacun repose sur un choix clair, un usage identifié et un suivi réel.","quote",{"type":158,"attrs":700},{"textAlign":25,"key":395},{"type":216,"attrs":702},{"id":703,"body":704},"952e3b4a-a01d-44dc-892a-0f13ec514650",[705],{"_uid":706,"link":707,"asset":708,"caption":70,"component":244},"i-d71438db-c03b-4cc8-a2cc-6dcbb7fea0c7",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":709,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":710,"copyright":70,"fieldtype":143,"meta_data":711,"is_external_url":28},225653795325409,"https://a.storyblok.com/f/146026/1280x832/3409999e87/chart-9_fr.png",{"size":333},{"type":158,"attrs":713,"content":714},{"textAlign":25,"key":401},[715],{"text":716,"type":164,"marks":717},"D’une année sur l’autre : l’utilisation de plusieurs outils d’IA en parallèle s’est nettement accélérée",[718],{"type":267},{"type":158,"attrs":720,"content":721},{"textAlign":25,"key":407},[722],{"text":723,"type":164},"Il y a un an, les entreprises qui utilisaient des LLM se limitaient le plus souvent à un seul outil. Seules 29 % en utilisaient plusieurs en parallèle. Aujourd’hui, la médiane est passée à deux outils, et 65 % des entreprises en utilisent au moins deux. Dans le même temps, les dépenses liées à ces usages parallèles sont passées de 0,3 M€ à 4,5 M€, à mesure que les phases de test se sont transformées en abonnements payants.",{"type":158,"attrs":725,"content":726},{"textAlign":25,"key":413},[727],{"text":728,"type":164},"Cela ne veut pas dire qu’utiliser plusieurs modèles est forcément un problème. Certains outils répondent à des besoins différents : l’un peut être utilisé pour les tâches générales, un autre pour le développement, un troisième pour des usages plus spécialisés. ",{"type":158,"attrs":730,"content":731},{"textAlign":25,"key":421},[732],{"text":733,"type":164,"marks":734},"Par marché : des comportements différents selon le type de dépense",[735],{"type":267},{"type":158,"attrs":737,"content":738},{"textAlign":25,"key":427},[739,743,745,749,751,755],{"text":740,"type":164,"marks":741},"En matière d’utilisation des outils",[742],{"type":267},{"text":744,"type":164},", la France affiche le taux de duplication le plus faible des quatre marchés étudiés. ",{"text":746,"type":164,"marks":747},"63 %",[748],{"type":267},{"text":750,"type":164}," des entreprises y utilisent au moins deux fournisseurs concurrents dans une même catégorie, contre ",{"text":752,"type":164,"marks":753},"74 à 77 %",[754],{"type":267},{"text":756,"type":164}," en Allemagne et au Royaume-Uni. Cela n’empêche pas la France de concentrer le montant total de dépenses en doublon le plus élevé.",{"type":158,"attrs":758,"content":759},{"textAlign":25,"key":433},[760,762,766,768,772,774,778],{"text":761,"type":164},"À l’échelle de chaque entreprise concernée, c’est toutefois au Royaume-Uni que le coût est le plus important : environ ",{"text":763,"type":164,"marks":764},"12 400 € par an",[765],{"type":267},{"text":767,"type":164},", contre ",{"text":769,"type":164,"marks":770},"9 800 €",[771],{"type":267},{"text":773,"type":164}," en Allemagne et ",{"text":775,"type":164,"marks":776},"9 100 €",[777],{"type":267},{"text":779,"type":164}," en France. Pris comme moyenne générale afin d'éviter les biais liés aux plus petites entreprises, et extrapolé au nombre de PME en France, ce chiffre représente 272 millions d'euros laissés sur la table.",{"type":216,"attrs":781},{"id":782,"body":783},"1e9f1ffa-b63e-419d-a04a-1a81c15a4099",[784],{"_uid":785,"name":786,"role":70,"image":787,"quote":789,"component":698},"i-dced8665-674e-44b2-a505-483595c6b83a","Responsable Finance - Retail Insight",{"id":25,"alt":25,"name":70,"focus":25,"title":25,"source":25,"filename":70,"copyright":25,"fieldtype":143,"meta_data":788},{},"Ce qui pose problème, c’est surtout ce qu’on ne voit pas. Je crois que c’est aussi simple que ça… Nous ne voulons pas payer deux fois pour des logiciels qui font la même chose. Et nous ne voulons pas non plus arriver à un renouvellement sans avoir vu venir l’échéance et sans avoir pu nous y préparer plusieurs mois à l’avance.",{"type":158,"attrs":791},{"textAlign":25,"key":792},"p-24",{"type":259,"attrs":794,"content":795},{"level":261,"textAlign":25},[796],{"text":797,"type":164},"3. Dépenses IA en Europe : des coûts en forte hausse, encore trop peu maîtrisés",{"type":259,"attrs":799,"content":800},{"level":316,"textAlign":25},[801],{"text":802,"type":164,"marks":803},"Le constat : les factures IA des entreprises européennes peuvent varier de plus de 7 fois d’un mois à l’autre, ce qui les rend difficiles à prévoir",[804],{"type":267},{"type":158,"attrs":806,"content":808},{"textAlign":25,"key":807},"p-25",[809],{"text":810,"type":164,"marks":811},"Les dépenses liées à l’IA restent particulièrement volatiles. Pour l’entreprise médiane, la facture mensuelle varie d’environ 62 %, et le mois le plus coûteux représente plus de sept fois le mois le moins cher. Parmi les 1 347 entreprises ayant enregistré au moins trois mois consécutifs de dépenses IA, 60 % présentent de fortes variations d’un mois à l’autre. Pour les équipes Finance, cette volatilité complique directement les prévisions.",[812],{"type":460},{"type":158,"attrs":814,"content":816},{"textAlign":25,"key":815},"p-26",[817],{"text":818,"type":164},"Mieux suivre les dépenses IA devient donc un levier d’économies à part entière. Une consommation de tokens qui s’emballe ne peut être repérée, puis maîtrisée, que si les variations sont suivies de près.",{"type":216,"attrs":820},{"id":324,"body":821},[822],{"_uid":823,"link":824,"asset":825,"caption":70,"component":244},"i-fd0cfcb2-294c-4268-8d9e-cc22fc986471",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":826,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":827,"copyright":70,"fieldtype":143,"meta_data":828,"is_external_url":28},225659905984902,"https://a.storyblok.com/f/146026/1280x832/01139090b3/ia-spend-fr.png",{},{"type":158,"attrs":830,"content":832},{"textAlign":25,"key":831},"p-27",[833,835,839,841,845],{"text":834,"type":164},"Pour l’entreprise médiane, la facture mensuelle liée à l’IA varie de ",{"text":836,"type":164,"marks":837},"±61 % d’un mois à l’autre",[838],{"type":267},{"text":840,"type":164},". Et parmi les entreprises dont l’usage de l’IA reste relativement régulier, ",{"text":842,"type":164,"marks":843},"60 % connaissent malgré tout de fortes variations de facture",[844],{"type":267},{"text":846,"type":164},". La tarification à l’usage fonctionne bien côté fournisseur. Pour la Finance, elle complique sérieusement les prévisions.",{"type":158,"attrs":848,"content":850},{"textAlign":25,"key":849},"p-28",[851,853,857,859,863,865,869],{"text":852,"type":164},"Sur les ",{"text":854,"type":164,"marks":855},"2 500 entreprises",[856],{"type":267},{"text":858,"type":164}," de notre échantillon, nous avons analysé les ",{"text":860,"type":164,"marks":861},"1 347",[862],{"type":267},{"text":864,"type":164}," qui avaient enregistré au moins trois mois consécutifs de dépenses IA. Pour l’entreprise type, ",{"text":866,"type":164,"marks":867},"le mois le plus cher représente plus de 6,5 fois le mois le moins cher",[868],{"type":267},{"text":870,"type":164},". Un tel écart est difficile à anticiper avec une ligne budgétaire fixe.",{"type":158,"attrs":872,"content":874},{"textAlign":25,"key":873},"p-29",[875,877,881],{"text":876,"type":164},"C’est précisément là que les modèles budgétaires classiques du SaaS atteignent leurs limites. Ils reposent généralement sur des coûts mensuels relativement stables. ",{"text":878,"type":164,"marks":879},"L’IA fonctionne moins comme un abonnement que comme un service facturé à la consommation",[880],{"type":267},{"text":882,"type":164},", dont la facture évolue directement avec l’usage.",{"type":158,"attrs":884,"content":886},{"textAlign":25,"key":885},"p-30",[887,889,893],{"text":888,"type":164},"Face à cette volatilité, une simple ligne budgétaire ne suffit plus. Le plus efficace est de combiner ",{"text":890,"type":164,"marks":891},"une limite de dépense avec des alertes en temps réel sur une carte intelligente",[892],{"type":267},{"text":894,"type":164},". C’est là que le suivi prend toute sa valeur : une équipe qui voit les variations au moment où elles se produisent peut repérer une consommation anormale de tokens dès la première semaine, plutôt qu’au moment de la clôture.",{"type":158,"attrs":896,"content":898},{"textAlign":25,"key":897},"p-31",[899,901,905],{"text":900,"type":164},"Avec ce niveau de contrôle, les dépenses IA deviennent beaucoup plus prévisibles. À l’inverse, les équipes Finance qui continuent de les gérer comme un abonnement classique risquent de ",{"text":902,"type":164,"marks":903},"sous-contrôler précisément la catégorie de dépenses logicielles qui progresse le plus vite et reste la plus difficile à anticiper",[904],{"type":267},{"text":583,"type":164},{"type":158,"attrs":907,"content":909},{"textAlign":25,"key":908},"p-32",[910],{"text":911,"type":164,"marks":912},"Par marché : la volatilité des dépenses IA reste élevée partout en Europe",[913],{"type":267},{"type":216,"attrs":915},{"id":324,"body":916},[917],{"_uid":918,"link":919,"asset":920,"caption":70,"component":244},"i-930db4a9-9dc5-4628-86bf-3f85a68d69ab",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":921,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":922,"copyright":70,"fieldtype":143,"meta_data":923,"is_external_url":28},225660188559797,"https://a.storyblok.com/f/146026/1280x832/e92c5c2ec2/volatility-fr.png",{},{"type":158,"attrs":925,"content":927},{"textAlign":25,"key":926},"p-33",[928],{"text":929,"type":164},"D’un marché à l’autre, les écarts de prix et les habitudes d’utilisation peuvent varier fortement. En revanche, la volatilité des factures IA reste très similaire partout en Europe.",{"type":158,"attrs":931,"content":933},{"textAlign":25,"key":932},"p-34",[934,936,940,942,946],{"text":935,"type":164},"Dans tous les marchés étudiés, la variation médiane se situe entre ",{"text":937,"type":164,"marks":938},"55 et 65 %",[939],{"type":267},{"text":941,"type":164},", et ",{"text":943,"type":164,"marks":944},"55 à 62 % des entreprises",[945],{"type":267},{"text":947,"type":164}," présentent des factures très fluctuantes. Autrement dit, aucun pays ne se démarque vraiment par une meilleure maîtrise de cette volatilité.",{"type":158,"attrs":949,"content":951},{"textAlign":25,"key":950},"p-35",[952,954,958,960,964,966,970],{"text":953,"type":164},"Les différences restent limitées. La catégorie « reste de l’Europe » affiche la variation médiane la plus élevée, à ",{"text":955,"type":164,"marks":956},"65 %",[957],{"type":267},{"text":959,"type":164},". L’Allemagne est la plus stable, à ",{"text":961,"type":164,"marks":962},"56 %",[963],{"type":267},{"text":965,"type":164},", tandis que le Royaume-Uni compte la plus forte proportion d’entreprises dont les factures varient fortement, avec ",{"text":967,"type":164,"marks":968},"62 %",[969],{"type":267},{"text":971,"type":164},". Mais même en Allemagne, plus d’une entreprise sur deux voit ses dépenses IA varier de plus de 50 % d’un mois à l’autre.",{"type":158,"attrs":973,"content":975},{"textAlign":25,"key":974},"p-36",[976],{"text":977,"type":164},"C’est justement ce qui distingue la volatilité des autres problèmes évoqués dans ce rapport. Les doublons ou les écarts de prix peuvent être réduits grâce à de meilleurs processus et davantage de contrôle. La variation des dépenses IA, elle, est directement liée à la facturation à l’usage. Elle ne peut donc pas être supprimée, mais elle peut être mieux maîtrisée.",{"type":158,"attrs":979,"content":981},{"textAlign":25,"key":980},"p-37",[982],{"text":983,"type":164},"C’est là que les limites de dépense et les alertes en temps réel prennent tout leur sens. En centralisant les dépenses et en donnant aux équipes Finance une meilleure visibilité sur leur évolution, Spendesk permet de garder le contrôle sans ralentir les autres équipes.",{"type":259,"attrs":985,"content":986},{"level":261,"textAlign":25},[987],{"text":988,"type":164},"4. Comment Spendesk aide à mieux maîtriser les dépenses",{"type":158,"attrs":990,"content":992},{"textAlign":25,"key":991},"p-38",[993,995,999],{"text":994,"type":164},"L’objectif n’est pas de freiner l’utilisation des logiciels ou de l’IA. Il est de ",{"text":996,"type":164,"marks":997},"rendre ces dépenses visibles, intentionnelles et liées à des résultats concrets",[998],{"type":267},{"text":583,"type":164},{"type":158,"attrs":1001,"content":1003},{"textAlign":25,"key":1002},"p-39",[1004],{"text":1005,"type":164},"Cela commence par une vue claire des abonnements, factures et paiements par carte. Chaque outil doit pouvoir être rattaché à un responsable, une équipe, un usage, une date de renouvellement et, lorsque c’est possible, à son utilisation réelle. La Finance peut alors repérer les doublons, les renouvellements qui passent sous le radar ou une hausse inattendue des dépenses IA avant qu’ils ne s’installent durablement dans les coûts de l’entreprise.",{"type":158,"attrs":1007,"content":1009},{"textAlign":25,"key":1008},"p-40",[1010,1012],{"text":1011,"type":164},"Cette maîtrise devient encore plus importante lorsque les dépenses varient fortement. Pour les SaaS à prix fixe, les circuits d’approbation et les revues avant renouvellement permettent d’éviter de prolonger des licences inutilisées ou des outils redondants. Pour l’IA facturée à l’usage, des limites de dépenses et des alertes en temps réel permettent de détecter rapidement une hausse inhabituelle. ",{"text":1013,"type":164,"marks":1014},"La Finance garde ainsi la main sans transformer chaque achat en parcours d’obstacles.",[1015],{"type":267},{"type":158,"attrs":1017,"content":1019},{"textAlign":25,"key":1018},"p-41",[1020],{"text":1021,"type":164},"Mais la visibilité ne sert à rien si elle ne débouche pas sur de meilleures décisions. L’étape suivante consiste à relier les dépenses logicielles et IA à ce qu’elles apportent réellement à l’entreprise, qu’il s’agisse de temps gagné, de production supplémentaire, de clients accompagnés ou de revenus générés.",{"type":158,"attrs":1023,"content":1025},{"textAlign":25,"key":1024},"p-42",[1026,1028,1032,1034],{"text":1027,"type":164},"Un outil peut tout à fait mériter sa place même s’il recoupe en partie les fonctionnalités d’un autre, à condition que son rôle soit clair et que sa valeur puisse être mesurée. La bonne question n’est donc pas seulement ",{"text":1029,"type":164,"marks":1030},"« que peut-on supprimer ? »",[1031],{"type":267},{"text":1033,"type":164},", mais plutôt ",{"text":1035,"type":164,"marks":1036},"« qu’est-ce que cette dépense permet réellement à l’entreprise d’accomplir ? »",[1037],{"type":267},{"type":158,"attrs":1039,"content":1041},{"textAlign":25,"key":1040},"p-43",[1042],{"text":1043,"type":164},"C’est là que Spendesk intervient en réunissant paiements, approbations et reporting dans une même vue. La Finance et les équipes disposent ainsi des mêmes informations pour décider quoi conserver, ajuster ou développer.",{"type":158,"attrs":1045,"content":1047},{"textAlign":25,"key":1046},"p-44",[1048],{"text":1049,"type":164},"Avec les bons contrôles, l’entreprise peut continuer à tester de nouveaux outils sans laisser ces dépenses devenir invisibles. Les équipes gardent les solutions dont elles ont besoin, tandis que la Finance conserve le contexte, les garde-fous et la visibilité nécessaires pour développer ce qui fonctionne.",{"type":158,"attrs":1051,"content":1053},{"textAlign":25,"key":1052},"p-45",[1054,1056,1062],{"text":1055,"type":164},"Contactez l’",{"text":1057,"type":164,"marks":1058},"équipe Spendesk",[1059],{"type":284,"attrs":1060},{"href":1061,"uuid":25,"anchor":25,"target":25,"linktype":146},"https://spendesk-staging.netlify.app/schedule-a-demo/",{"text":1063,"type":164}," pour en savoir plus.",{"type":259,"attrs":1065,"content":1066},{"level":316,"textAlign":25},[1067],{"text":1068,"type":164,"marks":1069},"L’échantillon",[1070],{"type":267},{"type":158,"attrs":1072,"content":1074},{"textAlign":25,"key":1073},"p-46",[1075],{"text":1076,"type":164},"L’échantillon couvre 2 500 entreprises européennes actives entre juin 2025 et juin 2026, réparties dans neuf secteurs et quatre tranches de taille. Il reflète assez fidèlement la structure du marché européen : 91 % des entreprises étudiées comptent moins de 250 salariés, en ligne avec la réalité du tissu économique européen.",{"type":216,"attrs":1078},{"id":1079,"body":1080},"a12a5de5-f045-4c8f-8b04-af130cd76221",[1081],{"_uid":1082,"link":1083,"asset":1084,"caption":70,"component":244},"f56620d3-f3a2-4dda-a70f-e477cfc21b7c",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":1085,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":1086,"copyright":70,"fieldtype":143,"meta_data":1087,"is_external_url":28},225651866846443,"https://a.storyblok.com/f/146026/1280x832/448b15237b/sample_fr.png",{"size":333},{"type":158,"attrs":1089},{"textAlign":25,"key":1090},"p-47",{"type":216,"attrs":1092},{"id":324,"body":1093},[1094],{"_uid":1095,"link":1096,"asset":1097,"caption":70,"component":244},"i-6474d144-3f9f-4803-9558-eca8f3236d7f",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":1098,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":1099,"copyright":70,"fieldtype":143,"meta_data":1100,"is_external_url":28},225652077384978,"https://a.storyblok.com/f/146026/1280x832/8575e3bece/chart-2_fr.png",{"size":333},{"type":158,"attrs":1102,"content":1104},{"textAlign":25,"key":1103},"p-48",[1105,1107,1116],{"text":1106,"type":164},"Pour modéliser les chiffres indicatifs à l’échelle du marché, nous nous sommes appuyés sur les statistiques structurelles sur les entreprises d’Eurostat, concernant les entreprises de l’UE-27 employant entre 50 et 249 personnes. Les données provisoires de 2024 recensent 250 670 entreprises européennes dans cette tranche d’effectifs. Pour estimer les tendances propres à la France, nous avons utilisé les données les plus récentes ",{"text":1108,"type":164,"marks":1109},"++d'Eurostat++",[1110,1113],{"type":284,"attrs":1111},{"href":1112,"uuid":25,"anchor":25,"target":559,"linktype":146},"http://ec.europa.eu/eurostat/databrowser/view/sbs_sc_ovw__custom_11201597/default/table?lang=en",{"type":566,"attrs":1114},{"color":1115},"inherit",{"text":1117,"type":164}," (2022), qui indiquent environ 30 000 entreprises de 50 à 249 salariés.",{"type":259,"attrs":1119,"content":1120},{"level":316,"textAlign":25},[1121],{"text":1122,"type":164,"marks":1123},"La méthode",[1124],{"type":267},{"type":158,"attrs":1126,"content":1128},{"textAlign":25,"key":1127},"p-49",[1129],{"text":1130,"type":164},"Pour comprendre comment les entreprises européennes achètent leurs logiciels et combien elles y consacrent, nous sommes partis des paiements réellement effectués, et non d’une liste prédéfinie de fournisseurs SaaS.",{"type":158,"attrs":1132,"content":1134},{"textAlign":25,"key":1133},"p-50",[1135],{"text":1136,"type":164},"L’analyse repose sur un panel fixe de 2 568 entreprises européennes réparties dans 14 pays, avec des paiements par carte et par facture enregistrés entre juin 2025 et juin 2026.",{"type":158,"attrs":1138,"content":1140},{"textAlign":25,"key":1139},"p-51",[1141],{"text":1142,"type":164},"Les factures et virements permettent d’identifier précisément les fournisseurs et de regrouper leurs différentes entités sous un même nom. Pour les paiements par carte, nous nous appuyons sur le libellé de la transaction, comme OPENAI *CHATGPT SUBSCR ou CLAUDE.AI SUBSCRIPTION, afin de rattacher chaque dépense au bon fournisseur.",{"type":158,"attrs":1144,"content":1146},{"textAlign":25,"key":1145},"p-52",[1147],{"text":1148,"type":164},"Nous avons ensuite écarté les dépenses qui ne concernent pas les logiciels, comme la publicité, les RH et la paie, les voyages, les télécommunications, la banque, le matériel ou encore le retail. Seuls les fournisseurs présents chez au moins 20 entreprises du panel ont été retenus.",{"type":158,"attrs":1150,"content":1152},{"textAlign":25,"key":1151},"p-53",[1153],{"text":1154,"type":164},"Au total, 380 fournisseurs de logiciels ont été identifiés. Parmi eux, 112 apparaissent à la fois dans les paiements par carte et par facture, 265 uniquement sur facture et 3 uniquement par carte.",{"type":158,"attrs":1156,"content":1158},{"textAlign":25,"key":1157},"p-54",[1159],{"text":1160,"type":164},"Le croisement de ces deux sources est particulièrement important pour les outils d’IA, de design et de développement, souvent payés par carte. Les cartes représentent par exemple environ deux tiers des dépenses chez Anthropic et la grande majorité de celles consacrées à GitHub.",{"type":158,"attrs":1162,"content":1164},{"textAlign":25,"key":1163},"p-55",[1165,1169],{"text":1166,"type":164,"marks":1167},"Limites.",[1168],{"type":267},{"text":1170,"type":164}," Cette méthode n’est pas parfaite. La classification des fournisseurs repose sur des règles et nous estimons qu’environ 10 à 15 % des fournisseurs les moins représentés peuvent encore correspondre à des services hors logiciels. Certains paiements par carte peuvent aussi ne pas être comptabilisés lorsque leur libellé est trop difficile à interpréter. En revanche, ils ne sont jamais attribués au mauvais fournisseur. Ces limites ne remettent pas en cause les principaux résultats présentés ci-dessous.",{"name":1172,"created_at":1173,"published_at":16,"updated_at":1174,"id":1175,"uuid":1176,"content":1177,"slug":1184,"full_slug":1185,"sort_by_date":25,"position":52,"tag_list":1186,"is_startpage":28,"parent_id":1187,"meta_data":25,"group_id":1188,"first_published_at":1189,"release_id":25,"lang":32,"path":25,"alternates":1190,"default_full_slug":1191,"translated_slugs":1192,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1178,"icon":1179,"name":1172,"component":1183},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1180,"alt":1181,"name":70,"focus":70,"title":70,"filename":1182,"copyright":70,"fieldtype":143,"is_external_url":28},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",[1193,1194,1195],{"path":1191,"name":25,"lang":32,"published":25},{"path":1191,"name":25,"lang":38,"published":25},{"path":1191,"name":25,"lang":40,"published":25},[32],[],[],"2026-09-21 00:00",[1201],{"_uid":1202,"link":1203,"asset":1204,"caption":70,"component":244},"7b5d4e87-ee46-4fff-ba30-9decfe28d691",{"id":70,"url":70,"linktype":238,"fieldtype":147,"cached_url":239,"prep":41},{"id":1205,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":1206,"copyright":70,"fieldtype":143,"meta_data":1207,"is_external_url":28},226349936372642,"https://a.storyblok.com/f/146026/2220x1461/089523cf50/blog-fr.png",{},"Les entreprises européennes pourraient surpayer leurs logiciels SaaS de 7 Md€ par an, tandis que leurs factures IA varient désormais de 61 % d’un mois à l’autre. Découvrez les données Spendesk 2026 sur les dépenses en Europe.",[1210],{"cta":1211,"_uid":1225,"image":1226,"title":1231,"subtitle":70,"component":1234,"imageFullWidth":41},[1212],{"tag":70,"_uid":1213,"hide":28,"icon":1214,"link":1216,"type":70,"label":70,"style":148,"component":149,"mobileLabel":70,"onClickEvent":70,"openInANewTab":41,"horizontalFill":28},"559eb7f3-d0d1-420f-929a-0c732e4886f6",{"id":25,"alt":25,"name":70,"focus":25,"title":25,"source":25,"filename":70,"copyright":25,"fieldtype":143,"meta_data":1215},{},{"id":1217,"url":70,"linktype":238,"fieldtype":147,"cached_url":1218,"prep":41,"story":1219},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/fr/schedule-a-demo/",{"name":1220,"id":1221,"uuid":1217,"slug":1222,"url":1223,"full_slug":1224,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","fr/schedule-a-demo/","8b3fdf1e-0536-41ce-bd2b-6418c212ff22",{"id":1227,"alt":70,"name":70,"focus":70,"title":70,"source":70,"filename":1228,"copyright":70,"fieldtype":143,"meta_data":1229,"is_external_url":28},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":1230},"1700x465",{"type":155,"content":1232},[1233],{"type":158},"ctaBlock",[1236],{"cta":1237,"_uid":1238,"items":1239,"heading":1337,"reverse":28,"component":1362,"sectionSettings":1363},[],"c53a17e3-2f34-45eb-96aa-8a0aa98aff4c",[1240,1254,1265,1278,1291,1302,1315,1326],{"_uid":1241,"hide":28,"title":1242,"component":1243,"description":1244},"298b7db2-f4d8-463e-8f25-542b89772cd4","Qu’est-ce que la gestion des dépenses SaaS, et pourquoi est-elle importante pour les équipes Finance ?","faqItem",{"type":155,"attrs":1245,"content":1246},{"backgroundColor":25},[1247,1252],{"type":158,"attrs":1248,"content":1249},{"textAlign":25,"key":160},[1250],{"text":1251,"type":164},"La gestion des dépenses SaaS consiste à suivre, approuver, contrôler et réévaluer les abonnements logiciels utilisés dans l’entreprise. Elle permet aux équipes Finance de savoir qui est responsable de chaque outil, combien il coûte, s’il est réellement utilisé et quand son renouvellement est prévu. Les entreprises peuvent ainsi identifier les dépenses inutiles, comparer les prix et éviter les renouvellements dont elles n’ont pas besoin.",{"type":259,"attrs":1253},{"level":316,"textAlign":25},{"_uid":1255,"hide":28,"title":1256,"component":1243,"description":1257},"2205b34b-3642-467d-b57d-00f74eb0ea8a","Combien les entreprises européennes dépensent-elles en logiciels SaaS ?",{"type":155,"attrs":1258,"content":1259},{"backgroundColor":25},[1260],{"type":158,"attrs":1261,"content":1262},{"textAlign":25,"key":160},[1263],{"text":1264,"type":164},"Selon l’étude de Spendesk, l’entreprise européenne moyenne de notre échantillon dépense près de 250 000 € par an en logiciels.",{"_uid":1266,"hide":28,"title":1267,"component":1243,"description":1268},"fc248c7d-c0ef-42f2-8896-bd99d597a6fa","Comment les équipes Finance peuvent-elles suivre les abonnements SaaS utilisés par plusieurs départements ?",{"type":155,"attrs":1269,"content":1270},{"backgroundColor":25},[1271,1276],{"type":158,"attrs":1272,"content":1273},{"textAlign":25,"key":160},[1274],{"text":1275,"type":164},"Les équipes Finance doivent disposer d’une vue centralisée des factures, paiements par carte et abonnements récurrents, avec pour chaque outil le département concerné, le responsable de la dépense, les informations d’utilisation et la date de renouvellement. Cette approche remplace les feuilles de calcul dispersées par un processus cohérent permettant de suivre les dépenses logicielles, d’anticiper les renouvellements et d’identifier les possibilités de consolidation ou de renégociation.",{"type":259,"attrs":1277},{"level":316,"textAlign":25},{"_uid":1279,"hide":28,"title":1280,"component":1243,"description":1281},"2cb2bede-0d0e-469e-9e2b-4bc8df677c31","Comment identifier et supprimer les abonnements en doublon ou devenus inutiles ?",{"type":155,"attrs":1282,"content":1283},{"backgroundColor":25},[1284,1289],{"type":158,"attrs":1285,"content":1286},{"textAlign":25,"key":160},[1287],{"text":1288,"type":164},"Les entreprises peuvent comparer les fournisseurs par catégorie, examiner leur niveau d’utilisation et leur responsable, puis identifier les abonnements qui n’ont plus d’utilisateurs actifs ou de raison d’être claire. Dans notre échantillon, 72 % des entreprises utilisant des outils d’IA payaient pour au moins deux solutions concurrentes, tandis que 64 % des utilisateurs de logiciels de design disposaient d’abonnements parallèles. Des workflows d’approbation, un responsable clairement identifié pour chaque dépense et des revues avant renouvellement permettent d’éviter que des outils inutilisés ou en doublon continuent d’être facturés sans que personne ne s’en rende compte.",{"type":259,"attrs":1290},{"level":316,"textAlign":25},{"_uid":1292,"hide":28,"title":1293,"component":1243,"description":1294},"8040349d-c86b-4a5f-a574-21a2cddd5e03","Comment les cartes virtuelles et les contrôles des dépenses peuvent-ils aider à gérer les abonnements SaaS et les coûts liés à l’IA ?",{"type":155,"attrs":1295,"content":1296},{"backgroundColor":25},[1297],{"type":158,"attrs":1298,"content":1299},{"textAlign":25,"key":160},[1300],{"text":1301,"type":164},"Les cartes virtuelles et les contrôles associés aux cartes intelligentes permettent de mieux identifier et gérer les dépenses logicielles récurrentes ou facturées à l’usage. Les équipes Finance peuvent définir des limites de dépense, suivre les transactions en temps réel et recevoir des alertes en cas de hausse inattendue des coûts. Pour les abonnements SaaS à prix fixe, des revues avant renouvellement et une responsabilité clairement définie permettent d’éviter que des dépenses non approuvées continuent d’être facturées.",{"_uid":1303,"hide":28,"title":1304,"component":1243,"description":1305},"36d62fa2-f73a-4003-b082-f1a3d5b8428d","Pourquoi les dépenses IA sont-elles plus difficiles à prévoir que les dépenses SaaS traditionnelles ?",{"type":155,"attrs":1306,"content":1307},{"backgroundColor":25},[1308,1313],{"type":158,"attrs":1309,"content":1310},{"textAlign":25,"key":160},[1311],{"text":1312,"type":164},"Les logiciels SaaS traditionnels sont généralement facturés selon un montant mensuel relativement fixe, tandis que de nombreux outils d’IA facturent en fonction de l’utilisation. Dans notre échantillon, les dépenses totales consacrées à l’IA ont augmenté de 340 % en douze mois, alors même que le nombre d’entreprises qui en achetaient a très peu évolué. Les factures IA peuvent également varier fortement d’un mois à l’autre, le mois le plus cher pouvant atteindre jusqu’à huit fois le montant du mois le moins cher. 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Une carte intelligente assortie de limites de dépense et d’alertes peut apporter une couche de contrôle supplémentaire.",{"_uid":1327,"hide":28,"title":1328,"component":1243,"description":1329},"0198b67b-1727-4625-97ba-394a99aa4c17","Que doivent rechercher les équipes Finance dans un logiciel de gestion des dépenses SaaS ?",{"type":155,"attrs":1330,"content":1331},{"backgroundColor":25},[1332],{"type":158,"attrs":1333,"content":1334},{"textAlign":25,"key":160},[1335],{"text":1336,"type":164},"Les fonctionnalités les plus utiles sont notamment une vue centralisée des abonnements, l’affectation des dépenses à un responsable et à un département, des workflows d’approbation, des alertes de renouvellement, le contrôle des paiements récurrents, le suivi de l’utilisation, des limites de dépense, des alertes en temps réel et des outils de reporting. Pour les outils d’IA en particulier, la solution doit également donner une vision précise de la consommation afin d’aider les équipes Finance à passer d’un simple suivi des dépenses logicielles à un véritable contrôle des coûts liés à l’usage.",[1338],{"cta":1339,"_uid":1340,"title":1341,"layout":70,"eyebrow":1349,"subtitle":1357,"component":259,"textAlign":70,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":1360,"sectionSettings":1361,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":70},[],"a2fc864f-9f69-4fb0-87ae-9c41e5c010df",{"type":155,"attrs":1342,"content":1343},{"backgroundColor":25},[1344],{"type":259,"attrs":1345,"content":1346},{"level":261,"textAlign":25},[1347],{"text":1348,"type":164},"Questions fréquentes sur les dépenses 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