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Chez Banqup, nous nous efforçons de simplifier les paiements et la facturation en vous débarrassant des tâches quotidiennes routinières et en numérisant les processus pour vous.","c235149f-67d6-4d7d-b13f-e32d463fefef",{"id":12,"alt":8,"name":13,"focus":8,"title":8,"source":8,"filename":14,"copyright":8,"fieldtype":15,"meta_data":16,"is_external_url":17},22151802,"Banqup logo","https://a.storyblok.com/f/318078/300x85/6e319e2de9/banqup-logo_white-horizontal_svg.svg","asset",{},false,{"id":8,"url":8,"linktype":19,"fieldtype":20,"cached_url":8},"url","multilink","config",[23,528,660],{"name":24,"created_at":25,"published_at":26,"updated_at":27,"id":28,"uuid":29,"content":30,"slug":508,"full_slug":509,"sort_by_date":65,"position":510,"tag_list":511,"is_startpage":17,"parent_id":512,"meta_data":65,"group_id":513,"first_published_at":514,"release_id":65,"lang":515,"path":65,"alternates":516,"default_full_slug":517,"translated_slugs":518,"_stopResolving":56},"Terms & conditions","2025-02-18T10:10:26.812Z","2026-01-16T08:04:19.250Z","2026-01-16T08:04:19.273Z",627571042,"6c695d76-4693-4d77-bb7f-a5d756af26dd",{"seo":31,"_uid":36,"body":37,"component":507},{"_uid":32,"title":33,"plugin":34,"description":35},"d6cf146c-e1cb-422c-b4ed-cbe24550be46","Conditions générales","meta-fields","Veuillez lire les conditions générales de Banqup. Prenez connaissance de l'accord juridique, des droits et obligations des utilisateurs liés à l'utilisation de nos services de facturation et de paiement.","00646961-47ad-4891-a74f-2d7ef7b08f74",[38,57],{"_uid":39,"size":40,"image":41,"buttons":45,"heading":46,"tagline":47,"component":48,"background":49,"description":50,"imageVariation":55,"invertTextColor":56},"1b2968ce-a310-416c-addb-9132d4efa538","medium",{"id":42,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":43,"copyright":8,"fieldtype":15,"meta_data":44,"is_external_url":17},132146787730787,"https://a.storyblok.com/f/318078/6144x3456/95c5cddbce/privacy.jpg",{},[],"Terms and Conditions","Last updated September 3, 2021","hero","default",{"type":51,"content":52},"doc",[53],{"type":54},"paragraph","background",true,{"_uid":58,"text":59,"component":506,"background":49},"b38ce84d-2e48-4f77-864d-d2fc3b2aabec",{"type":51,"content":60},[61,73,91,131,139,166,173,186,193,206,215,228,236,241,248,257,270,295,303,324,331,340,347,360,367,380,387,408,416,461,468,486,493],{"type":62,"attrs":63,"content":66},"heading",{"level":64,"textAlign":65},3,null,[67],{"text":68,"type":69,"marks":70},"By using our site you accept these Terms and Conditions","text",[71],{"type":72},"bold",{"type":54,"attrs":74,"content":75},{"textAlign":65},[76,78,80,81,83,84,85,87,88,89],{"text":77,"type":69},"Please read these Terms and Conditions carefully and ensure that you understand them before using our site.",{"type":79},"hard_break",{"type":79},{"text":82,"type":69},"These Terms and Conditions, together with any other documents referred to herein, set out the terms of use governing your use of this website, https://www.banqup.com/ (“our site”). It is recommended that you print a copy of these Terms and Conditions for your future reference. These Terms and Conditions were last updated on September 3rd 2021.",{"type":79},{"type":79},{"text":86,"type":69},"Your agreement to comply with these Terms and Conditions is indicated by your use of our site. If you do not agree to these Terms and Conditions, you must stop using our site immediately.",{"type":79},{"type":79},{"text":90,"type":69},"The following documents also apply to your use of our site",{"type":92,"content":93},"bullet_list",[94,115],{"type":95,"content":96},"list_item",[97],{"type":54,"attrs":98,"content":99},{"textAlign":65},[100,102,113],{"text":101,"type":69},"Our ",{"text":103,"type":69,"marks":104},"Privacy notice ",[105],{"type":106,"attrs":107},"link",{"href":108,"uuid":109,"anchor":65,"custom":110,"target":111,"linktype":112},"/legal/privacy-notice","75fae8d7-0c95-4ecb-a3fc-0a3bd3585a85",{},"_self","story",{"text":114,"type":69},"This is also referred to below in Part 14.",{"type":95,"content":116},[117],{"type":54,"attrs":118,"content":119},{"textAlign":65},[120,121,129],{"text":101,"type":69},{"text":122,"type":69,"marks":123},"Cookie policy",[124],{"type":106,"attrs":125},{"href":126,"uuid":127,"anchor":65,"custom":128,"target":111,"linktype":112},"/legal/cookie-policy","11750e2e-e50b-4950-b8f1-0f4fc9f78db2",{},{"text":130,"type":69},"  This is also referred to below in Part 14.",{"type":62,"attrs":132,"content":134},{"level":133,"textAlign":65},4,[135],{"text":136,"type":69,"marks":137},"1. Definitions and Interpretation",[138],{"type":72},{"type":54,"attrs":140,"content":141},{"textAlign":65},[142,144,145,146,148,152,154,155,157,158,160,164],{"text":143,"type":69},"1.1 In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:",{"type":79},{"type":79},{"text":147,"type":69},"• “",{"text":149,"type":69,"marks":150},"Content",[151],{"type":72},{"text":153,"type":69},"” means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, our site; and",{"type":79},{"text":156,"type":69},"‍",{"type":79},{"text":159,"type":69},"• \"",{"text":161,"type":69,"marks":162},"We/Us/Our",[163],{"type":72},{"text":165,"type":69},"” means Banqup Group.",{"type":62,"attrs":167,"content":168},{"level":133,"textAlign":65},[169],{"text":170,"type":69,"marks":171},"2. Information about us",[172],{"type":72},{"type":54,"attrs":174,"content":175},{"textAlign":65},[176,178,179,180,182,183,184],{"text":177,"type":69},"2.1 Our site is operated by Banqup Group. We are a limited company registered in Belgium under company number 0886.277.617. Our registered address is Avenue Reine Astrid 92A 1310 La Hulpe, Belgium, and",{"type":79},{"type":79},{"text":181,"type":69},"2.2 Our VAT number is BE0886.277.617.",{"type":79},{"type":79},{"text":185,"type":69},"2.3 We are regulated by Financial Services and Market Authority (FSMA).",{"type":62,"attrs":187,"content":188},{"level":133,"textAlign":65},[189],{"text":190,"type":69,"marks":191},"3. How to contact us",[192],{"type":72},{"type":54,"attrs":194,"content":195},{"textAlign":65},[196,198,204],{"text":197,"type":69},"To contact us, please email us at ",{"text":199,"type":69,"marks":200},"info@banqup.com",[201],{"type":106,"attrs":202},{"href":203,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"mailto:info@unifiedpost.com?subject=Terms%20and%20Conditions",{"text":205,"type":69}," or use the contact form available on our site.",{"type":62,"attrs":207,"content":208},{"level":133,"textAlign":65},[209,213],{"text":210,"type":69,"marks":211},"4. Access to ",[212],{"type":72},{"text":214,"type":69},"our site",{"type":54,"attrs":216,"content":217},{"textAlign":65},[218,220,221,222,224,225,226],{"text":219,"type":69},"4.1 Access to our site is free of charge.",{"type":79},{"type":79},{"text":223,"type":69},"4.2 It is your responsibility to make the arrangements necessary in order to access our site.",{"type":79},{"type":79},{"text":227,"type":69},"4.3 Access to our site is provided on an “as is” and on an “as available” basis. We may suspend or discontinue our site (or any part of it) at any time. We do not guarantee that our site will always be available or that access to it will be uninterrupted. If We suspend or discontinue our site (or any part of it), We will try to give you reasonable notice of the suspension or discontinuation.",{"type":62,"attrs":229,"content":230},{"level":133,"textAlign":65},[231,235],{"text":232,"type":69,"marks":233},"5. 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You are therefore advised to check this page every time you use our site.",{"type":79},{"type":79},{"text":256,"type":69},"6.2 If any part of the current version of these Terms and Conditions conflicts with any previous version(s), the current version shall prevail unless We explicitly state otherwise.",{"type":62,"attrs":258,"content":259},{"level":133,"textAlign":65},[260,264,266],{"text":261,"type":69,"marks":262},"7. How you may use ",[263],{"type":72},{"text":265,"type":69},"our site ",{"text":267,"type":69,"marks":268},"and content (intellectual property rights)",[269],{"type":72},{"type":54,"attrs":271,"content":272},{"textAlign":65},[273,275,276,277,279,280,281,283,284,285,287,288,289,291,292,293],{"text":274,"type":69},"7.1 All content included on our site and the copyright and other intellectual property rights in that content belongs to or has been licensed by Us, unless specifically labelled otherwise. All content is protected by applicable Belgian and international intellectual property laws and treaties.",{"type":79},{"type":79},{"text":278,"type":69},"7.2 You may access, view, and use our site in a web browser (including any web browsing capability built into other types of software or app) and you may download our site (or any part of it) for caching (this usually occurs automatically).",{"type":79},{"type":79},{"text":282,"type":69},"7.3 You may print one copy and download extracts of any page(s) from our site for personal use only.",{"type":79},{"type":79},{"text":286,"type":69},"7.4 You may not modify the printed copies or downloaded extracts in any way. Images, video, audio, or any other content downloaded from our site must not be used separately from accompanying text.",{"type":79},{"type":79},{"text":290,"type":69},"7.5 Our status as the owner and author of the content on our site (or that of identified licensors, as applicable) must always be acknowledged.",{"type":79},{"type":79},{"text":294,"type":69},"7.6 You may not use any content saved or downloaded from our site for commercial purposes without first obtaining a licence from Us (or our licensors, as applicable).",{"type":62,"attrs":296,"content":297},{"level":133,"textAlign":65},[298,302],{"text":299,"type":69,"marks":300},"8. Links to ",[301],{"type":72},{"text":214,"type":69},{"type":54,"attrs":304,"content":305},{"textAlign":65},[306,308,309,310,312,313,314,316,317,318,320,321,322],{"text":307,"type":69},"8.1 You may link to any page on our site.",{"type":79},{"type":79},{"text":311,"type":69},"8.2 Links to our site must be fair and lawful. You must not take unfair advantage of Our reputation or attempt to damage Our reputation.",{"type":79},{"type":79},{"text":315,"type":69},"8.3 You must not link to our site in a manner that suggests any association with Us (where there is none) or any endorsement or approval from Us (where there is none).",{"type":79},{"type":79},{"text":319,"type":69},"8.4 Your link should not use any logos or trademarks displayed on our site without our express written permission.",{"type":79},{"type":79},{"text":323,"type":69},"8.5 You may not link to our site from another website the main content of which is unlawful; obscene; offensive; inappropriate; dishonest; defamatory; threatening; racist, sexist, or otherwise discriminatory; that promotes violence, racial hatred, or terrorism; that infringes intellectual property rights; or that We deem to be otherwise objectionable.",{"type":62,"attrs":325,"content":326},{"level":133,"textAlign":65},[327],{"text":328,"type":69,"marks":329},"9. Links to other sites",[330],{"type":72},{"type":54,"attrs":332,"content":333},{"textAlign":65},[334,336,337,338],{"text":335,"type":69},"9.1 Links to other websites may be included on our site. Unless expressly stated, these sites are not under our control. We accept no responsibility or liability for the content of third-party websites.",{"type":79},{"type":79},{"text":339,"type":69},"9.2 The inclusion of a link to another website on our site is for information purposes only and does not imply any endorsement of that website or of its owners, operators, or any other parties involved with it.",{"type":62,"attrs":341,"content":342},{"level":133,"textAlign":65},[343],{"text":344,"type":69,"marks":345},"10. Disclaimers",[346],{"type":72},{"type":54,"attrs":348,"content":349},{"textAlign":65},[350,352,353,354,356,357,358],{"text":351,"type":69},"10.1 Nothing on our site constitutes professional advice on which you should rely. It is provided for general information purposes only.",{"type":79},{"type":79},{"text":355,"type":69},"10.2 We make reasonable efforts to ensure that the content on our site is complete, accurate, and up to date, but We make no warranties, representations, or guarantees (express or implied) that this will always be the case.",{"type":79},{"type":79},{"text":359,"type":69},"10.3 If you are a business user, We exclude all implied representations, warranties, conditions, and other terms that may apply to our site and content.",{"type":62,"attrs":361,"content":362},{"level":133,"textAlign":65},[363],{"text":364,"type":69,"marks":365},"11. Our liability",[366],{"type":72},{"type":54,"attrs":368,"content":369},{"textAlign":65},[370,372,373,374,376,377,378],{"text":371,"type":69},"11.1 Nothing in these Terms and Conditions excludes or restricts our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted.",{"type":79},{"type":79},{"text":375,"type":69},"11.2 If you are a business user (i.e. you are using our site in the course of business or for commercial purposes), to the fullest extent permissible by law, We accept no liability for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) our site or the use of or reliance upon any content included on our site.",{"type":79},{"type":79},{"text":379,"type":69},"11.3 If you are a business user, We accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.",{"type":62,"attrs":381,"content":382},{"level":133,"textAlign":65},[383],{"text":384,"type":69,"marks":385},"12. Viruses, Malware, and Security",[386],{"type":72},{"type":54,"attrs":388,"content":389},{"textAlign":65},[390,392,393,394,396,397,398,400,401,402,404,405,406],{"text":391,"type":69},"12.1 We exercise reasonable skill and care to ensure that our site is secure and free from viruses and malware; however, We do not guarantee that this is the case.",{"type":79},{"type":79},{"text":395,"type":69},"12.2 You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks.",{"type":79},{"type":79},{"text":399,"type":69},"12.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via our site.",{"type":79},{"type":79},{"text":403,"type":69},"12.4 You must not attempt to gain unauthorised access to any part of our site, the server on which our site is stored, or any other server, computer, or database connected to our site.",{"type":79},{"type":79},{"text":407,"type":69},"12.5 You must not attack our site by means of a denial of service attack, a distributed denial of service attack, or by any other means.",{"type":62,"attrs":409,"content":410},{"level":133,"textAlign":65},[411,415],{"text":412,"type":69,"marks":413},"13. Acceptable Usage of ",[414],{"type":72},{"text":214,"type":69},{"type":54,"attrs":417,"content":418},{"textAlign":65},[419,421,422,423,424,426,427,429,430,432,433,434,436,437,438,440,441,442,443,445,446,448,449,451,452,454,455,457,458,459],{"text":420,"type":69},"13.1 You may only use our site in a lawful manner:",{"type":79},{"text":156,"type":69},{"type":79},{"text":425,"type":69},"a) You must ensure that you comply fully with any and all local, national, or international laws and regulations that apply;",{"type":79},{"text":428,"type":69},"b) You must not use our site in any way, or for any purpose, that is unlawful or fraudulent; and",{"type":79},{"text":431,"type":69},"c) You must not use our site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware or any other code designed to adversely affect computer hardware, software, or data of any kind.",{"type":79},{"type":79},{"text":435,"type":69},"13.2 If you fail to comply with the provisions of this Part 13, you will be in breach of these Terms and Conditions.",{"type":79},{"type":79},{"text":439,"type":69},"13.3 In that respect, We may take one or more of the following actions:",{"type":79},{"text":156,"type":69},{"type":79},{"text":444,"type":69},"a) Suspend or terminate your right to use our site;",{"type":79},{"text":447,"type":69},"b) Issue you with a written warning;",{"type":79},{"text":450,"type":69},"c) Take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;",{"type":79},{"text":453,"type":69},"d) Take further legal action against you, as appropriate;",{"type":79},{"text":456,"type":69},"e) Disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or) Any other actions which We deem reasonably appropriate (and lawful).",{"type":79},{"type":79},{"text":460,"type":69},"13.4 We hereby exclude any and all liability arising out of any actions that We may take (including, but not limited to those set out above in Part 13.2) in response to your breach.",{"type":62,"attrs":462,"content":463},{"level":133,"textAlign":65},[464],{"text":465,"type":69,"marks":466},"14. How we use your personal information",[467],{"type":72},{"type":54,"attrs":469,"content":470},{"textAlign":65},[471,473,479,481],{"text":472,"type":69},"We will only use your personal information as set out in our ",{"text":474,"type":69,"marks":475},"Privacy notice",[476],{"type":106,"attrs":477},{"href":108,"uuid":109,"anchor":65,"custom":478,"target":111,"linktype":112},{},{"text":480,"type":69}," and our ",{"text":122,"type":69,"marks":482},[483],{"type":106,"attrs":484},{"href":126,"uuid":127,"anchor":65,"custom":485,"target":111,"linktype":112},{},{"type":62,"attrs":487,"content":488},{"level":133,"textAlign":65},[489],{"text":490,"type":69,"marks":491},"15. Law and jurisdiction",[492],{"type":72},{"type":54,"attrs":494,"content":495},{"textAlign":65},[496,498,499,500,502,503,504],{"text":497,"type":69},"15.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, Belgian law.",{"type":79},{"type":79},{"text":501,"type":69},"15.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. 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En tant que membre émetteur principal, Banqup tirera parti du réseau mondial de Visa pour fournir des cartes commerciales virtuelles qui permettent aux PME d'optimiser leur trésorerie en prolongeant les délais de paiement tout en garantissant que les fournisseurs soient payés immédiatement.",[1415],{"type":1401,"attrs":1416},{"color":1403},{"type":54,"attrs":1418,"content":1420},{"textAlign":1419},"justify",[1421],{"text":1422,"type":69,"marks":1423},"En intégrant les capacités de paiement innovantes de Visa directement dans la plateforme Banqup, la solution permet aux clients de se conformer de manière transparente aux nouvelles réglementations en matière de facturation électronique et de fiscalité, tout en bénéficiant des capacités de paiement de classe mondiale de Visa, telles que la possibilité de payer des factures par carte, tout en favorisant la numérisation, en réduisant les coûts et en améliorant la visibilité commerciale. Visa soutiendra également la stratégie de commercialisation de Banqup par le biais de conseils stratégiques et d'initiatives de marketing conjointes afin d'assurer le succès de l'adoption.",[1424],{"type":1401,"attrs":1425},{"color":1403},{"type":1427,"content":1428},"blockquote",[1429],{"type":54,"attrs":1430,"content":1431},{"textAlign":1419},[1432,1437,1444,1449,1455,1461,1467],{"text":1433,"type":69,"marks":1434},"« ",[1435],{"type":1401,"attrs":1436},{"color":1403},{"text":1438,"type":69,"marks":1439},"Dans un marché régi par la réglementation et la rapidité, ce partenariat nous permet de devancer la concurrence », ",[1440,1442],{"type":1401,"attrs":1441},{"color":1403},{"type":1443},"italic",{"text":1445,"type":69,"marks":1446},"a déclar",[1447],{"type":1401,"attrs":1448},{"color":1403},{"text":1450,"type":69,"marks":1451},"é ",[1452,1454],{"type":1401,"attrs":1453},{"color":1403},{"type":1443},{"text":1456,"type":69,"marks":1457},"Arthur Paijens, PDG de Banqup SA, la société de paiement du Banqup Group SA.",[1458,1460],{"type":1401,"attrs":1459},{"color":1403},{"type":72},{"text":1462,"type":69,"marks":1463}," « Grâce à l'envergure et au réseau mondial de Visa, nous sommes en mesure d'offrir les outils de transfert d'argent les plus avancés sur le plan technologique et les plus rentables qui soient. Nos clients peuvent ainsi gérer en toute confiance les complexités des déclarations électroniques et des transactions P2P transfrontalières.",[1464,1466],{"type":1401,"attrs":1465},{"color":1403},{"type":1443},{"text":1468,"type":69,"marks":1469}," »",[1470],{"type":1401,"attrs":1471},{"color":1403},{"type":54,"attrs":1473,"content":1474},{"textAlign":1419},[1475],{"text":1476,"type":69,"marks":1477},"Cette collaboration répond à un besoin profond du marché : transformer les réglementations européennes complexes en matière de facturation électronique et les tâches administratives en workflows simples et automatisés. L'objectif principal est de libérer les petites et moyennes entreprises (PME) des contraintes administratives, afin qu'elles puissent se concentrer entièrement sur la croissance de leur activité. En rationalisant les exigences complexes telles que la déclaration électronique en temps réel, ce partenariat garantit que la réglementation croissante constitue une base pour une meilleure compréhension des activités et une plus grande clarté des flux de trésorerie, et non une source de complexité.",[1478],{"type":1401,"attrs":1479},{"color":1403},{"type":1427,"content":1481},[1482],{"type":54,"attrs":1483,"content":1484},{"textAlign":1419},[1485,1489,1495,1500,1506,1512],{"text":1433,"type":69,"marks":1486},[1487],{"type":1401,"attrs":1488},{"color":1403},{"text":1490,"type":69,"marks":1491},"L'avenir de la facturation électronique et des paiements est fluide, conforme et intégré », ",[1492,1494],{"type":1401,"attrs":1493},{"color":1403},{"type":1443},{"text":1496,"type":69,"marks":1497},"a ajouté ",[1498],{"type":1401,"attrs":1499},{"color":1403},{"text":1501,"type":69,"marks":1502},"Nicolas de Beco, PDG du groupe Banqup. ",[1503,1505],{"type":1401,"attrs":1504},{"color":1403},{"type":72},{"text":1507,"type":69,"marks":1508},"« En approfondissant notre relation avec Visa, nous intégrons des capacités de paiement mondiales à notre plateforme. Cette puissante validation de notre stratégie SaaS pure player positionne Banqup comme le système d'exploitation financier essentiel pour les entreprises qui naviguent dans la nouvelle ère des obligations de facturation électronique",[1509,1511],{"type":1401,"attrs":1510},{"color":1403},{"type":1443},{"text":1513,"type":69,"marks":1514},". »",[1515],{"type":1401,"attrs":1516},{"color":1403},{"type":1427,"content":1518},[1519],{"type":54,"attrs":1520,"content":1521},{"textAlign":65},[1522,1526,1532,1536,1542,1547,1553,1559,1563,1569],{"text":1433,"type":69,"marks":1523},[1524],{"type":1401,"attrs":1525},{"color":1403},{"text":1527,"type":69,"marks":1528},"D'ici 2028, la facturation électronique obligatoire et la déclaration numérique en temps quasi réel seront en vigueur dans la plupart des économies européennes dans le cadre des réformes de la TVA à l'ère numérique, ce qui aura un impact direct sur plus de 26 millions de PME dans l'Union européenne",[1529,1531],{"type":1401,"attrs":1530},{"color":1403},{"type":1443},{"text":1468,"type":69,"marks":1533},[1534],{"type":1401,"attrs":1535},{"color":1403},{"text":1537,"type":69,"marks":1538},", ",[1539,1541],{"type":1401,"attrs":1540},{"color":1403},{"type":1443},{"text":1543,"type":69,"marks":1544},"declare ",[1545],{"type":1401,"attrs":1546},{"color":1403},{"text":1548,"type":69,"marks":1549},"Florence Mélique, vice-présidente senior du groupe Visa et directrice générale pour la France, la Belgique et le Luxembourg",[1550,1552],{"type":1401,"attrs":1551},{"color":1403},{"type":72},{"text":1554,"type":69,"marks":1555},". ",[1556,1558],{"type":1401,"attrs":1557},{"color":1403},{"type":1443},{"text":1433,"type":69,"marks":1560},[1561],{"type":1401,"attrs":1562},{"color":1403},{"text":1564,"type":69,"marks":1565},"Il ne s'agit pas seulement d'un changement en matière de conformité, mais d'une évolution fondamentale dans la manière dont l'argent et les données doivent être traités. Grâce à notre partenariat avec Banqup, Visa intègre des fonctionnalités de paiement commercial sécurisées directement dans les workflows de facturation et de gestion des commandes conformes, permettant ainsi aux entreprises de réduire les frictions administratives, d'améliorer la visibilité de leur trésorerie et d'opérer en toute confiance alors que les réglementations s'accélèrent",[1566,1568],{"type":1401,"attrs":1567},{"color":1403},{"type":1443},{"text":1513,"type":69,"marks":1570},[1571],{"type":1401,"attrs":1572},{"color":1403},{"_uid":1574,"cards":1575,"buttons":1579,"heading":1580,"tagline":8,"component":1581,"background":49,"description":1582},"5325d29c-9bd2-4aa6-be19-7672be8ea085",[1576,1577,1578],"f1846914-8e11-451a-939f-473a7b08ef26","e29cc19e-c220-4e3f-ae5d-d8c0827c2987","c195cbab-caf0-416d-a7aa-17a57d428467",[],"Articles similaires","cardSlider",{"type":51,"content":1583},[1584],{"type":54},{"id":1586,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":1587,"copyright":8,"fieldtype":15,"meta_data":1588,"is_external_url":17},185557634607473,"https://a.storyblok.com/f/318078/1000x666/b025a8c20c/austrian-post-x-banqup-website-blog-image.png",{},[],[1591,1592],"53f53d8b-b52d-4766-863b-290d59034214","43132a85-c931-4893-9655-7832b64683fe",[1594,1595],"banqup","announcements","newsPage",[],"banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses","fr/resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-renforce-sa-couverture-internationale-en-matiere-de-facturation-electronique-et-de-ctc-grace-a-un-partenariat-strategique-avec-banqup",-300,[1602],"Partnership",627731613,"08385055-4809-45dd-8368-ab7e56237e9c","2026-06-09T08:31:00.973Z",[],"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses",[1609,1612,1615],{"path":1610,"name":1611,"lang":522,"published":56},"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-versterkt-zijn-internationale-mogelijkheden-op-het-gebied-van-e-facturering-en-ctc-door-een-strategisch-partnerschap-met-banqup","Tessi versterkt zijn internationale mogelijkheden op het gebied van e-facturering en CTC door een strategisch partnerschap met Banqup",{"path":1613,"name":1614,"lang":515,"published":56},"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-renforce-sa-couverture-internationale-en-matiere-de-facturation-electronique-et-de-ctc-grace-a-un-partenariat-strategique-avec-banqup","Tessi renforce sa couverture internationale en matière de facturation électronique et de CTC grâce à un partenariat stratégique avec Banqup",{"path":1616,"name":1617,"lang":527,"published":56},"informationen/news/banqup-und-post-business-solutions-revolutionieren-oesterreichs-finanz-workflows","Banqup und Post Business Solutions revolutionieren Österreichs Finanz-Workflows",[],"featuredLink",{"url":1621,"_uid":1630,"title":1631,"megaMenu":1632,"component":1170},{"id":1622,"url":8,"linktype":112,"fieldtype":20,"cached_url":1623,"prep":56,"story":1624},"e5b88a74-94ef-4f08-9157-cd766a0be76c","/fr/resources/",{"name":1625,"id":1626,"uuid":1622,"slug":1627,"url":1628,"full_slug":1629,"_stopResolving":56},"Resources library",627839377,"resources","resources/","fr/resources/","eddccbef-b49c-4dd9-a60c-15de8bb7d7f1","Aperçus",[1633],{"_uid":1634,"buttons":1635,"component":1088,"categoryLinks":1636,"featuredSections":1700},"3c00a8db-5d33-4bab-934d-c544aa74ead6",[],[1637],{"_uid":1638,"links":1639,"title":1699,"component":1141},"856ae7bd-bd6f-4931-8ecb-e73dca95ef36",[1640,1655,1669,1684],{"url":1641,"_uid":1650,"image":1651,"title":1653,"component":106,"description":1654},{"id":1642,"url":8,"linktype":112,"fieldtype":20,"cached_url":1643,"prep":56,"story":1644},"874998c4-35c1-4a62-8ef6-595606003ab7","/fr/solutions/compliance-management/tax-compliance",{"name":1645,"id":1646,"uuid":1642,"slug":1647,"url":1648,"full_slug":1649,"_stopResolving":56},"Tax Compliance",131026845126330,"tax-compliance","solutions/compliance-management/tax-compliance","fr/solutions/compliance-management/tax-compliance","f9ca4e9e-ace4-4f08-ae85-a36c842229ec",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1652},{},"Gestion de la conformité","Conformité sans compromis. Éliminez le risque de non-conformité. Automatisez chaque facture.\n\n",{"url":1656,"_uid":1664,"image":1665,"title":1667,"component":106,"description":1668},{"id":1657,"url":8,"linktype":112,"fieldtype":20,"cached_url":1658,"prep":56,"story":1659},"93009d22-0733-4b93-a83d-9cb6787d6429","/fr/resources/blog/",{"name":1660,"id":1661,"uuid":1657,"slug":1660,"url":1662,"full_slug":1663,"_stopResolving":56},"blog",627840826,"resources/blog/","fr/resources/blog/","224ab465-7ae8-4444-9fcc-449140153de0",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1666},{},"Blog","Restez informé des dernières analyses, mises à jour et conseils de Banqup pour vous aider à rationaliser les finances de votre entreprise.",{"url":1670,"_uid":1679,"image":1680,"title":1682,"component":106,"description":1683},{"id":1671,"url":8,"linktype":112,"fieldtype":20,"cached_url":1672,"prep":56,"story":1673},"b6e1a58c-251d-4228-a52b-b1be2bdc9bed","/fr/resources/news/",{"name":1674,"id":1675,"uuid":1671,"slug":1676,"url":1677,"full_slug":1678,"_stopResolving":56},"News",627841874,"news","resources/news/","fr/resources/news/","15534395-decd-4fa0-ba51-0c02bf3c53c4",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1681},{},"Actualités","Obtenez les dernières actualités et annonces Banqup",{"url":1685,"_uid":1694,"image":1695,"title":1697,"component":106,"description":1698},{"id":1686,"url":8,"linktype":112,"fieldtype":20,"cached_url":1687,"prep":56,"story":1688},"653824fb-4b4f-42d9-ab22-38454348dc3c","/fr/resources/webinars/",{"name":1689,"id":1690,"uuid":1686,"slug":1691,"url":1692,"full_slug":1693,"_stopResolving":56},"Webinars",85199283064511,"webinars","resources/webinars/","fr/resources/webinars/","d7d28922-2e33-412e-81e2-1a4897235657",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1696},{},"Webinaires","Des webinaires riches en insights conçus pour aider les entreprises à gérer plus efficacement leurs processus de facturation et administratifs avec la solution Banqup.","Ressources associées",[1701],{"_uid":1702,"link":1703,"button":2279,"component":1619},"6da6ac4b-75ea-4952-8683-2ee603129382",[1704,2078],{"name":1705,"created_at":1706,"published_at":1707,"updated_at":1708,"id":1709,"uuid":1710,"content":1711,"slug":2054,"full_slug":2055,"sort_by_date":2056,"position":2057,"tag_list":2058,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":2060,"first_published_at":2061,"release_id":65,"lang":515,"path":65,"alternates":2062,"default_full_slug":2068,"translated_slugs":2069,"_stopResolving":56},"Still struggling with Peppol? 5 Tips to turn e-invoicing into a time-saver","2026-07-09T14:16:29.435Z","2026-07-13T14:24:41.487Z","2026-07-21T08:54:30.357Z",196267988780663,"b4b9fdcb-4a81-4e08-b7ed-86dbafbdddbd",{"seo":1712,"_uid":1716,"body":1717,"image":1969,"theme":8,"title":1973,"related":1974,"summary":1975,"category":2046,"component":2049,"createdOn":2050,"description":2051,"relatedCountries":2052,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":1713,"title":1714,"plugin":34,"description":1715},"4edd8008-f041-4f85-9256-87d3470a8632","5 conseils pour faire de la facturation électronique un gain de temps","Marre de ressaisir manuellement vos données de facturation encore et encore ? Découvrez pourquoi la facturation électronique via Peppol ralentit les PME belges et comment Banqup vous fait gagner du temps.","16c8f428-1f4d-4de1-906e-92744ad46fec",[1718,1863,1890,1959],{"_uid":1719,"text":1720,"component":506,"background":49},"44fb936c-0f39-466f-9849-631eab313300",{"type":51,"content":1721},[1722,1731,1736,1741,1746,1754,1762,1781,1786,1791,1796,1801,1806,1811,1816,1821,1826,1831,1836,1841,1843,1848,1853,1858],{"type":54,"attrs":1723,"content":1724},{"textAlign":65},[1725],{"text":1726,"type":69,"marks":1727},"La facturation électronique B2B obligatoire via le réseau Peppol est officiellement en vigueur en Belgique depuis le 1er janvier 2026. Les périodes de grâce et de tolérance initiales sont bel et bien derrière nous, et des amendes pour non-conformité sont désormais activement appliquées. Pourtant, le sentiment général des chefs d'entreprise belges reste particulièrement mitigé.",[1728,1730],{"type":1401,"attrs":1729},{"color":1403},{"type":72},{"type":54,"attrs":1732,"content":1733},{"textAlign":65},[1734],{"text":1735,"type":69},"Une récente étude de marché menée auprès des PME belges met en lumière une réalité frustrante : la promesse d'une simplification administrative s'est transformée en un casse-tête logistique pour beaucoup. À peine la moitié des entreprises interrogées déclarent constater un réel gain de temps, tandis qu'une part importante estime que cette obligation a alourdi la charge administrative plutôt que de l'alléger. Pour de nombreux entrepreneurs, la gestion administrative et financière semblait tout simplement plus facile avant l'entrée en vigueur de cette obligation.",{"type":54,"attrs":1737,"content":1738},{"textAlign":65},[1739],{"text":1740,"type":69},"Comment une initiative conçue pour optimiser les flux de travail des entreprises a-t-elle pu causer autant de frictions ? Plus important encore, comment pouvez-vous adapter votre entreprise pour vous assurer d'être du côté des gagnants en matière d'efficacité ?",{"type":62,"attrs":1742,"content":1743},{"level":687,"textAlign":65},[1744],{"text":1745,"type":69},"Le piège de l'inscription de dernière minute",{"type":54,"attrs":1747,"content":1748},{"textAlign":65},[1749],{"text":1750,"type":69,"marks":1751},"La cause principale de cette frustration généralisée réside dans le calendrier d'adoption. Une nette majorité d'entreprises belges a attendu les derniers mois, voire l'après-date limite, pour s'enregistrer sur le réseau Peppol.",[1752],{"type":1401,"attrs":1753},{"color":1403},{"type":54,"attrs":1755,"content":1756},{"textAlign":65},[1757],{"text":1758,"type":69,"marks":1759},"Cette ruée de dernière minute a provoqué une vague massive d'entreprises se tournant vers l'outil le plus proche, gratuit ou autonome, simplement pour rester en conformité avec la loi. Malheureusement, ces systèmes basiques ont rarement été choisis dans une optique d'intégration opérationnelle.",[1760],{"type":1401,"attrs":1761},{"color":1403},{"type":54,"attrs":1763,"content":1764},{"textAlign":65},[1765,1770,1776],{"text":1766,"type":69,"marks":1767},"Résultat : des milliers d'indépendants et de chefs d'entreprise se trouvent aujourd'hui piégés dans ",[1768],{"type":1401,"attrs":1769},{"color":1403},{"text":1771,"type":69,"marks":1772},"une boucle frustrante de double saisie",[1773,1775],{"type":1401,"attrs":1774},{"color":1403},{"type":72},{"text":1777,"type":69,"marks":1778},". Ils encodent une première fois une facture dans leur outil Peppol basique pour l'envoyer légalement à un client B2B, puis la saisissent manuellement une seconde fois dans leur logiciel comptable ou ERP parce que les deux systèmes ne communiquent pas entre eux. Avec des flux de travail aussi fragmentés, il n'est pas surprenant que les taux d'erreur augmentent et que l'efficacité promise soit introuvable.",[1779],{"type":1401,"attrs":1780},{"color":1403},{"type":62,"attrs":1782,"content":1783},{"level":687,"textAlign":65},[1784],{"text":1785,"type":69},"5 conseils pour utiliser Peppol plus efficacement",{"type":54,"attrs":1787,"content":1788},{"textAlign":65},[1789],{"text":1790,"type":69},"Peppol n'est pas le problème ; c'est le manque d'intégration qui l'est. Voici 5 conseils concrets pour reprendre le contrôle et faire en sorte que la facturation électronique fonctionne enfin pour votre entreprise.",{"type":62,"attrs":1792,"content":1793},{"level":64,"textAlign":65},[1794],{"text":1795,"type":69},"Conseil 1 : Fini la double saisie manuelle (choisissez un logiciel compatible)",{"type":54,"attrs":1797,"content":1798},{"textAlign":65},[1799],{"text":1800,"type":69},"Le plus grand défi de la mise en œuvre de Peppol en Belgique est la fragmentation des logiciels. Arrêtez d'utiliser des applications isolées et autonomes. Choisissez plutôt une solution qui sert de passerelle transparente entre vos outils de facturation, votre CRM et votre logiciel ERP. Lorsque les données circulent automatiquement entre vos systèmes, vous éliminez complètement le besoin de double saisie manuelle et réduisez le risque d'erreur humaine à zéro.",{"type":62,"attrs":1802,"content":1803},{"level":64,"textAlign":65},[1804],{"text":1805,"type":69},"Conseil 2 : Automatisez la collaboration avec votre comptable",{"type":54,"attrs":1807,"content":1808},{"textAlign":65},[1809],{"text":1810,"type":69},"Au lieu de perdre des jours à rassembler vos factures et reçus à la fin de chaque trimestre, vous pouvez automatiser l'ensemble de ce flux de travail. Une plateforme de facturation électronique connectée offre à votre comptable un accès sécurisé et en temps réel à une archive numérique. Vos livres de comptes restent ainsi constamment à jour, ce qui libère du temps pour votre conseiller financier afin qu'il vous propose un accompagnement stratégique proactif plutôt que de courir après les documents.",{"type":62,"attrs":1812,"content":1813},{"level":64,"textAlign":65},[1814],{"text":1815,"type":69},"Conseil 3 : Utilisez une passerelle Peppol intelligente pour la validation et le suivi des erreurs",{"type":54,"attrs":1817,"content":1818},{"textAlign":65},[1819],{"text":1820,"type":69},"De nombreuses PME sont confrontées à des messages d'erreur techniques cryptiques ou à des factures \"invisibles\" qui semblent disparaître dans le réseau. Une passerelle avancée valide automatiquement vos documents selon les normes officielles de formatage UBL/XML avant leur envoi. De plus, grâce aux réponses aux messages de facture (IMR), vous bénéficiez d'un \"accusé de réception\" numérique qui vous permet de savoir exactement quand votre transaction a été reçue avec succès.",{"type":62,"attrs":1822,"content":1823},{"level":64,"textAlign":65},[1824],{"text":1825,"type":69},"Conseil 4 : Protégez votre back-end contre la fraude à la facturation",{"type":54,"attrs":1827,"content":1828},{"textAlign":65},[1829],{"text":1830,"type":69},"La fraude aux factures numériques est en hausse. Une plateforme intégrée effectue des contrôles de conformité automatiques en arrière-plan en vérifiant les numéros de TVA et de la BCE (Banque-Carrefour des Entreprises) de vos partenaires commerciaux. Cela protège votre entreprise des factures fantômes et garantit que votre administration respecte les réglementations strictes sans que vous n'ayez à lever le petit doigt.",{"type":62,"attrs":1832,"content":1833},{"level":64,"textAlign":65},[1834],{"text":1835,"type":69},"Conseil 5 : Associez votre compte bancaire pour un rapprochement direct",{"type":54,"attrs":1837,"content":1838},{"textAlign":65},[1839],{"text":1840,"type":69},"Une véritable tranquillité d'esprit administrative s'obtient lorsque votre hub de facturation se connecte directement à vos comptes financiers. Cela permet de faire correspondre automatiquement les transactions entrantes et sortantes avec les factures ouvertes. Vous bénéficiez ainsi d'une vision limpide et en temps réel de votre fonds de roulement, tout en gérant vos relances de paiement en pilote automatique.",{"type":54,"attrs":1842},{"textAlign":65},{"type":62,"attrs":1844,"content":1845},{"level":687,"textAlign":65},[1846],{"text":1847,"type":69},"Conclusion : Choisir l’efficacité plutôt que la simple conformité",{"type":54,"attrs":1849,"content":1850},{"textAlign":65},[1851],{"text":1852,"type":69},"Le marché a évolué, et la facturation électronique structurée via Peppol est là pour rester. Cependant, l'infrastructure logicielle que vous construisez autour d'elle détermine si elle agira comme un goulot d'étranglement opérationnel ou comme un moteur d'efficacité pour votre entreprise. Les entreprises qui s'accrochent à des outils basiques et déconnectés continueront de perdre des heures précieuses en corrections manuelles.",{"type":54,"attrs":1854,"content":1855},{"textAlign":65},[1856],{"text":1857,"type":69},"Naviguer dans ce paysage avec un écosystème intégré vous permet de débloquer les véritables avantages de cette obligation : moins de paperasse, des paiements plus rapides, une sécurité solide contre la fraude et un flux de travail fluide. Cela nécessite un choix délibéré dans vos outils numériques, mais l'investissement est immédiatement rentabilisé dans la monnaie exacte promise dès le premier jour par la facturation électronique : le temps.",{"type":54,"attrs":1859,"content":1860},{"textAlign":65},[1861],{"text":1862,"type":69},"Chez Banqup, nous pensons que votre temps est mieux investi dans ce que vous faites de mieux : diriger et développer votre entreprise. L'administration financière doit vous soutenir, pas vous ralentir. C'est exactement pour cela que nous avons conçu notre plateforme en gardant à l'esprit ces intégrations essentielles. En agissant comme une passerelle transparente entre vos flux de travail quotidiens, votre comptable et le réseau Peppol, Banqup s'occupe de la complexité technique en arrière-plan afin que vous puissiez bénéficier d'une administration qui se gère pratiquement toute seule.",{"_uid":1864,"align":1379,"image":1865,"theme":544,"buttons":1867,"columns":557,"heading":1879,"padding":1383,"tagline":8,"component":1384,"variation":1880,"background":1881,"headingTag":1882,"description":1883,"invertTextColor":17},"7998de9e-a1e2-49c9-a904-550cd2adb13f",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1866},{},[1868,1873],{"_uid":1869,"link":1870,"size":8,"title":1872,"variant":8,"component":573,"arrowRight":17},"b06c89d4-e3eb-4db4-819f-67bfedb7e79e",{"id":1095,"url":8,"target":571,"linktype":112,"fieldtype":20,"cached_url":1096,"prep":56,"story":1871},{"name":1098,"id":1099,"uuid":1095,"slug":1100,"url":1101,"translated_name":1102,"full_slug":1103,"_stopResolving":56},"Découvrez nos fonctionnalités",{"_uid":1874,"link":1875,"size":8,"title":1878,"variant":8,"component":573},"5a19219e-3cf1-46d3-8097-06fa064b83ed",{"id":1876,"url":8,"target":571,"linktype":112,"fieldtype":20,"cached_url":1877,"prep":56},"5ec4f8a8-cb0a-46e7-b73a-519e75510a2d","/fr/home","Commencer avec Banqup","Du fardeau à l’avantage","inside-grid","primary-50","h2",{"type":51,"content":1884},[1885],{"type":54,"attrs":1886,"content":1887},{"textAlign":65},[1888],{"text":1889,"type":69},"Prêt à transformer l’administration de votre entreprise ? Transformez cette obligation légale en un avantage opérationnel rationalisé dès aujourd’hui.",{"_uid":1891,"theme":8,"buttons":1892,"heading":1893,"tagline":8,"component":1894,"questions":1895,"background":49,"spacingTop":8,"description":1952,"spacingBottom":8,"hideBackgroundShapes":17},"b8fad7dd-5a42-48f6-b5b8-5ec9598840c9",[],"FAQ","faq",[1896,1910,1923],{"_uid":1897,"title":1898,"answer":1899,"component":1909},"3f50e753-063a-48bc-bccc-d36ee86830bd","Quelles sont les difficultés les plus courantes et les plus grands défis liés à la mise en œuvre de Peppol en Belgique ?",{"type":51,"content":1900},[1901],{"type":54,"attrs":1902,"content":1903},{"textAlign":65},[1904],{"text":1905,"type":69,"marks":1906},"Les principaux points de friction sont les systèmes logiciels déconnectés (des outils qui ne communiquent pas entre eux) et le risque de factures oubliées, puisque les factures électroniques arrivent directement dans le logiciel plutôt que dans une boîte de réception d'e-mails. La correction manuelle des fichiers UBL/XML défectueux ajoute également une charge administrative importante pour les entreprises qui ne disposent pas d'une validation automatisée.",[1907],{"type":1401,"attrs":1908},{"color":1403},"question",{"_uid":1911,"title":1912,"answer":1913,"component":1909},"4b1b498f-7e7d-4a80-a3df-c7bb4aaad75b","Quelles solutions logicielles aident à résoudre les problèmes Peppol, et qu'est-ce qui est compatible avec ma comptabilité ?",{"type":51,"content":1914},[1915],{"type":54,"attrs":1916,"content":1917},{"textAlign":65},[1918],{"text":1919,"type":69,"marks":1920},"Les plateformes intégrées comme Banqup résolvent directement ces problèmes. Banqup est un point d'accès Peppol agréé qui fonctionne avec presque tous les logiciels. Cela signifie qu'il se connecte de manière fluide avec la quasi-totalité des logiciels de comptabilité et de gestion d'entreprise populaires utilisés en Belgique. ",[1921],{"type":1401,"attrs":1922},{"color":1403},{"_uid":1924,"title":1925,"answer":1926,"component":1909},"befd64b1-4592-481c-bb97-d1676421cd77","Comment comprendre les messages d'erreur Peppol et quels sont les meilleurs services de validation ?",{"type":51,"content":1927},[1928,1936,1944],{"type":54,"attrs":1929,"content":1930},{"textAlign":65},[1931],{"text":1932,"type":69,"marks":1933},"La plupart des messages d'erreur Peppol courants sont dus à des structures de fichiers incorrectes, des écarts de calcul ou des données obligatoires manquantes, comme un numéro de TVA invalide.",[1934],{"type":1401,"attrs":1935},{"color":1403},{"type":54,"attrs":1937,"content":1938},{"textAlign":65},[1939],{"text":1940,"type":69,"marks":1941},"La meilleure solution consiste à utiliser un service doté d'un logiciel de validation intégré, tel que Banqup. Banqup vérifie automatiquement vos factures à l'avance, détecte ces problèmes rapidement et traduit les erreurs techniques en étapes claires et exploitables afin que vous puissiez les corriger instantanément.",[1942],{"type":1401,"attrs":1943},{"color":1403},{"type":54,"attrs":1945,"content":1946},{"textAlign":65},[1947],{"text":1948,"type":69,"marks":1949},"Si jamais vous rencontrez une erreur technique complexe qui ne semble pas claire, prenez simplement une capture d'écran ou copiez le texte et collez-le dans notre chatbot de support. Le robot traduira instantanément le jargon technique en un langage simple et compréhensible.",[1950],{"type":1401,"attrs":1951},{"color":1403},{"type":51,"content":1953},[1954],{"type":54,"attrs":1955,"content":1956},{"textAlign":65},[1957],{"text":1958,"type":69},"Des questions ? Nous avons des réponses claires et simples pour vous aider à démarrer avec Banqup.",{"_uid":1960,"cards":1961,"buttons":1965,"heading":1580,"tagline":8,"component":1581,"background":49,"description":1966},"57d54b69-8880-4ca2-806f-e8f8b2b353c8",[1962,1963,1964],"b20733ac-50aa-42d5-822b-7ce56bbc8e3f","ad0080e2-4a87-4bd8-9cee-d635641e1ba2","383ae459-7e7f-422b-9734-384ee20a5d9a",[],{"type":51,"content":1967},[1968],{"type":54},{"id":1970,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":1971,"copyright":8,"fieldtype":15,"meta_data":1972,"is_external_url":17},196275582338149,"https://a.storyblok.com/f/318078/6016x4016/f4facfc530/blog-cardbanner-save-time-with-e-invoicing.png",{},"Encore en difficulté avec Peppol ? 5 conseils pour transformer la facturation électronique en un gain de temps",[],{"type":51,"content":1976},[1977,1986],{"type":54,"attrs":1978,"content":1979},{"textAlign":65},[1980,1984],{"text":1981,"type":69,"marks":1982},"La facturation électronique obligatoire via Peppol en Belgique (depuis 2026)",[1983],{"type":72},{"text":1985,"type":69}," cause des maux de tête administratifs en raison de logiciels non intégrés qui imposent une double saisie manuelle. Banqup résout ce problème grâce à 5 conseils d'efficacité :",{"type":1987,"attrs":1988,"content":1990},"ordered_list",{"order":1989},1,[1991,2002,2013,2024,2035],{"type":95,"content":1992},[1993],{"type":54,"attrs":1994,"content":1995},{"textAlign":65},[1996,2000],{"text":1997,"type":69,"marks":1998},"Intégrez vos logiciels",[1999],{"type":72},{"text":2001,"type":69}," pour éliminer la double saisie manuelle des données.",{"type":95,"content":2003},[2004],{"type":54,"attrs":2005,"content":2006},{"textAlign":65},[2007,2011],{"text":2008,"type":69,"marks":2009},"Automatisez la collaboration",[2010],{"type":72},{"text":2012,"type":69}," en partageant des archives numériques en temps réel avec votre comptable.",{"type":95,"content":2014},[2015],{"type":54,"attrs":2016,"content":2017},{"textAlign":65},[2018,2022],{"text":2019,"type":69,"marks":2020},"Utilisez une passerelle intelligente",[2021],{"type":72},{"text":2023,"type":69}," pour valider le formatage et suivre les accusés de réception.",{"type":95,"content":2025},[2026],{"type":54,"attrs":2027,"content":2028},{"textAlign":65},[2029,2033],{"text":2030,"type":69,"marks":2031},"Évitez la fraude",[2032],{"type":72},{"text":2034,"type":69}," grâce à des contrôles automatisés de la TVA et de la conformité des partenaires.",{"type":95,"content":2036},[2037],{"type":54,"attrs":2038,"content":2039},{"textAlign":65},[2040,2044],{"text":2041,"type":69,"marks":2042},"Associez vos comptes bancaires",[2043],{"type":72},{"text":2045,"type":69}," pour un rapprochement automatique des paiements.",[2047,2048,1594],"compliance","peppol","blogPage","2026-07-13 00:00","Des études de marché récentes montrent que de nombreux chefs d'entreprise belges perçoivent la facturation électronique obligatoire comme une perte de temps. Découvrez pourquoi des configurations logicielles précipitées obligent les entrepreneurs à ressaisir manuellement les données, et comment Banqup transforme cette obligation légale en un avantage automatisé et un gain de temps.",[2053],"Belgium","5-tips-to-turn-e-invoicing-into-a-time-saver","fr/resources/blog/5-conseils-pour-transformer-la-facturation-electronique-en-un-gain-de-temps","2026-07-13",-4640,[],627731915,"19999dde-5c00-4545-b9a9-120b009246d3","2026-07-13T00:00:00.000Z",[2063],{"id":2064,"name":2065,"slug":2066,"published":56,"full_slug":2067,"is_folder":17,"parent_id":2059},178928846856955,"No more manual guesswork: 5 reasons to switch to automatic reconciliation","5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-tips-to-turn-e-invoicing-into-a-time-saver",[2070,2073,2075],{"path":2071,"name":2072,"lang":522,"published":56},"resources/blog/5-tips-om-van-e-facturatie-een-tijdsbesparing-te-maken","Nog steeds moeite met Peppol? 5 tips om van e-facturatie een tijdsbesparing te maken",{"path":2074,"name":1973,"lang":515,"published":56},"resources/blog/5-conseils-pour-transformer-la-facturation-electronique-en-un-gain-de-temps",{"path":2076,"name":2077,"lang":527,"published":56},"informationen/blog/5-tipps-wie-sie-die-elektronische-rechnungsstellung-in-eine-echte-zeitersparnis-verwandeln","Immer noch Probleme mit Peppol? 5 Tipps, wie Sie die elektronische Rechnungsstellung in eine echte Zeitersparnis verwandeln",{"name":2079,"created_at":2080,"published_at":2081,"updated_at":2082,"id":2083,"uuid":2084,"content":2085,"slug":2256,"full_slug":2257,"sort_by_date":65,"position":2258,"tag_list":2259,"is_startpage":17,"parent_id":1603,"meta_data":65,"group_id":2260,"first_published_at":2261,"release_id":65,"lang":515,"path":65,"alternates":2262,"default_full_slug":2268,"translated_slugs":2269,"_stopResolving":56},"Banqup SA is now a certified Qualified Trust Service Provider","2026-07-09T13:45:13.149Z","2026-07-14T07:14:59.776Z","2026-07-14T07:14:59.798Z",196260303535985,"ee865b64-00d2-44d1-a499-6a5df1cc7eed",{"seo":2086,"_uid":2090,"body":2091,"image":2247,"theme":8,"title":2088,"author":2251,"related":2252,"category":2253,"component":1596,"description":2254,"relatedCountries":2255,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":2087,"title":2088,"plugin":34,"description":2089},"cf5078c1-7595-4e41-9596-f44ba1016df5","Banqup SA est désormais un prestataire de services de confiance qualifié certifié","Banqup SA est officiellement inscrit en tant que prestataire de services de confiance qualifié (QTSP) selon le règlement eIDAS. Découvrez ce que cela signifie pour vos signatures et cachets électroniques.","c58ecc97-6b8c-4ee8-ae39-a491f987e0cc",[2092,2101],{"_uid":2093,"align":8,"image":2094,"theme":8,"buttons":2096,"columns":644,"heading":2088,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1882,"spacingTop":8,"description":2097,"spacingBottom":8,"hideBackgroundShapes":17},"2f075612-5d7f-4f1d-884d-a21c5555a4f9",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":2095},{},[],{"type":51,"content":2098},[2099],{"type":54,"attrs":2100},{"textAlign":65},{"_uid":2102,"text":2103,"theme":8,"component":506,"background":49},"43ee7c87-e3a8-480f-a27f-4f19bc73ba89",{"type":51,"content":2104},[2105,2114,2122,2124,2131,2136,2141,2149,2215,2217,2222,2227,2232,2237],{"type":54,"attrs":2106,"content":2107},{"textAlign":65},[2108],{"text":2109,"type":69,"marks":2110},"Banqup SA est officiellement inscrit sur la liste de confiance belge en tant que prestataire de services de confiance qualifié (QTSP), proposant quatre services de confiance certifiés selon le règlement eIDAS.",[2111],{"type":1401,"attrs":2112},{"color":2113},"#222222",{"type":54,"attrs":2115,"content":2116},{"textAlign":65},[2117],{"text":2118,"type":69,"marks":2119},"C’est une étape importante pour Banqup ainsi que pour les entreprises et organisations qui s’appuient chaque jour sur sa plateforme. Cela signifie que les signatures électroniques, les cachets et les certificats qui les alimentent peuvent tous provenir d’une source unique, réglementée et reconnue par l’UE.",[2120],{"type":1401,"attrs":2121},{"color":2113},{"type":54,"attrs":2123},{"textAlign":65},{"type":62,"attrs":2125,"content":2126},{"level":687,"textAlign":65},[2127],{"text":2128,"type":69,"marks":2129},"Ce que signifie concrètement être un QTSP",[2130],{"type":72},{"type":54,"attrs":2132,"content":2133},{"textAlign":65},[2134],{"text":2135,"type":69},"Le règlement eIDAS crée un cadre juridique clair pour les transactions électroniques dans tous les États membres de l’UE. Au sommet de ce cadre se trouvent les prestataires de services de confiance qualifiés, des organisations qui ont fait l’objet d’évaluations de conformité indépendantes et ont été formellement reconnues par leur autorité de contrôle nationale.",{"type":54,"attrs":2137,"content":2138},{"textAlign":65},[2139],{"text":2140,"type":69},"En Belgique, cette autorité est le SPF Économie. L’inscription sur la liste de confiance belge ne relève pas de l’auto-déclaration. Elle nécessite de réussir un audit indépendant réalisé par un organisme d’évaluation de la conformité accrédité, puis de renouveler cet audit au moins tous les 2 ans pour maintenir ce statut.",{"type":54,"attrs":2142,"content":2143},{"textAlign":65},[2144],{"text":2145,"type":69,"marks":2146},"Banqup SA a mené à bien ce processus. Quatre services sont désormais certifiés, notamment :",[2147],{"type":1401,"attrs":2148},{"color":2113},{"type":92,"content":2150},[2151,2167,2183,2199],{"type":95,"content":2152},[2153],{"type":54,"attrs":2154,"content":2155},{"textAlign":65},[2156,2162],{"text":2157,"type":69,"marks":2158},"QCert for ESig ",[2159,2161],{"type":1401,"attrs":2160},{"color":2113},{"type":72},{"text":2163,"type":69,"marks":2164},"délivre des certificats qualifiés de signature électronique aux particuliers. Ces certificats soutiennent les signatures électroniques qualifiées (SEQ), qui ont la même valeur juridique qu’une signature manuscrite en vertu du droit de l’UE. Elles sont admises en justice et légalement valables dans les 27 États membres.",[2165],{"type":1401,"attrs":2166},{"color":2113},{"type":95,"content":2168},[2169],{"type":54,"attrs":2170,"content":2171},{"textAlign":65},[2172,2178],{"text":2173,"type":69,"marks":2174},"QCert for ESeal ",[2175,2177],{"type":1401,"attrs":2176},{"color":2113},{"type":72},{"text":2179,"type":69,"marks":2180},"fait de même pour les organisations. Au lieu de lier un certificat à une personne physique, il le lie à une personne morale. Lorsqu’une entreprise appose son cachet sur un document avec un certificat délivré dans le cadre de ce service, cela prouve que le document provient de cette organisation et n’a pas été modifié depuis.",[2181],{"type":1401,"attrs":2182},{"color":2113},{"type":95,"content":2184},[2185],{"type":54,"attrs":2186,"content":2187},{"textAlign":65},[2188,2194],{"text":2189,"type":69,"marks":2190},"QRemManage for QSigCD ",[2191,2193],{"type":1401,"attrs":2192},{"color":2113},{"type":72},{"text":2195,"type":69,"marks":2196},"gère l’infrastructure distante qui rend possible la signature individuelle sans carte à puce physique. La clé privée du signataire réside dans un module matériel de sécurité (HSM) sécurisé et hébergé dans le cloud. Lorsqu’une personne signe, elle s’authentifie à distance, la signature s’effectue au sein du HSM et la clé ne le quitte jamais. Banqup gère ce dispositif : son approvisionnement, son maintien en activité et son déclassement le moment venu.",[2197],{"type":1401,"attrs":2198},{"color":2113},{"type":95,"content":2200},[2201],{"type":54,"attrs":2202,"content":2203},{"textAlign":65},[2204,2210],{"text":2205,"type":69,"marks":2206},"QRemManage for QSealCD",[2207,2209],{"type":1401,"attrs":2208},{"color":2113},{"type":72},{"text":2211,"type":69,"marks":2212}," est le même service, mais pour les cachets d’organisation. Il permet aux entreprises d’apposer des cachets sur des documents à grande échelle via une API, sans matériel sur site. Un système ERP peut déclencher automatiquement le cachetage de milliers de factures. La clé de cachetage reste dans le HSM géré par Banqup, et chaque opération est contrôlée par l’organisation.",[2213],{"type":1401,"attrs":2214},{"color":2113},{"type":54,"attrs":2216},{"textAlign":65},{"type":62,"attrs":2218,"content":2219},{"level":687,"textAlign":65},[2220],{"text":2221,"type":69},"Pourquoi cela compte pour les entreprises utilisant Banqup",{"type":54,"attrs":2223,"content":2224},{"textAlign":65},[2225],{"text":2226,"type":69},"Si vous utilisez Banqup pour envoyer des factures électroniques, gérer des documents ou traiter des paiements, la confiance est déjà intégrée à vos activités. La certification QTSP rend cette confiance officielle et légalement reconnue dans toute l’UE. ",{"type":54,"attrs":2228,"content":2229},{"textAlign":65},[2230],{"text":2231,"type":69},"Cela signifie que l’infrastructure qualifiée fait déjà partie de la plateforme que vous utilisez. Et cela signifie que lorsque les réglementations se durciront, comme c’est le cas avec l’entrée en vigueur complète d’eIDAS 2.0, Banqup sera déjà positionné pour vous maintenir en conformité.",{"type":54,"attrs":2233,"content":2234},{"textAlign":65},[2235],{"text":2236,"type":69},"Pour les comptables qui gèrent les documents des clients, pour les entreprises qui échangent des contrats, pour les équipes financières qui cachettent des volumes importants de factures : la couche qualifiée est là, certifiée et prête. Plus d’informations à ce sujet très bientôt.",{"type":1427,"content":2238},[2239],{"type":54,"attrs":2240,"content":2241},{"textAlign":65},[2242],{"text":2243,"type":69,"marks":2244},"« En fournissant des signatures électroniques qualifiées (SEQ) et des cachets électroniques qualifiés (CEQ) à distance sous eIDAS 2, Banqup offre aux organisations une confiance reconnue juridiquement dans les 27 États membres de l’UE. » – Hans Boone, Banqup Trust Services",[2245],{"type":1401,"attrs":2246},{"color":2113},{"id":2248,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":2249,"copyright":8,"fieldtype":15,"meta_data":2250,"is_external_url":17},196260478181357,"https://a.storyblok.com/f/318078/6016x4016/956db9fa22/blog-cardbanner-qtsp.png",{},[],[],[1594,1595],"Banqup SA est officiellement inscrit sur la liste de confiance belge en tant que prestataire de services de confiance qualifié (QTSP), proposant quatre services de confiance certifiés selon le règlement eIDAS. 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Découvrez notre nouvelle identité visuelle, la signification de notre plateforme aux codes couleur spécifiques, et notre engagement renouvelé à améliorer votre expérience client.",[2353,2360],{"_uid":2093,"align":8,"image":2354,"theme":8,"buttons":2356,"columns":644,"heading":2350,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1882,"spacingTop":8,"description":2357,"spacingBottom":8,"hideBackgroundShapes":17},{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":2355},{},[],{"type":51,"content":2358},[2359],{"type":54},{"_uid":2102,"text":2361,"theme":8,"component":506,"background":49},{"type":51,"content":2362},[2363,2368,2375,2384,2389,2394,2399,2404,2409,2414,2419,2432,2445,2458,2471,2476,2481,2486,2491,2496,2501,2506,2511],{"type":54,"attrs":2364,"content":2365},{"textAlign":65},[2366],{"text":2367,"type":69},"Le changement est une étape inévitable de l’évolution. 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Nous avons lu vos avis, suivi vos tickets d’assistance et écouté attentivement vos frustrations concernant la rapidité de la plateforme, sa stabilité et le support client.",{"type":54,"attrs":2400,"content":2401},{"textAlign":65},[2402],{"text":2403,"type":69},"Nous ne lançons pas ce nouveau look pour célébrer ou pour masquer ces défis. Nous l’introduisons comme un tournant. Pour chacun des membres de l’équipe Banqup, cette évolution visuelle représente un engagement renouvelé et concret à faire mieux.",{"type":62,"attrs":2405,"content":2406},{"level":687,"textAlign":65},[2407],{"text":2408,"type":69},"La signification derrière le design",{"type":54,"attrs":2410,"content":2411},{"textAlign":65},[2412],{"text":2413,"type":69},"Chaque nouvel élément que nous avons introduit a été choisi pour apporter de la clarté dans votre gestion administrative quotidienne.",{"type":54,"attrs":2415,"content":2416},{"textAlign":65},[2417],{"text":2418,"type":69},"Afin de rendre notre plateforme plus intuitive, nous avons introduit des couleurs distinctes et fonctionnelles pour les quatre piliers de notre écosystème. 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C'est plus rapide, plus facile, plus précis et cela permet aux entreprises d'économiser beaucoup de tracas administratifs. De plus, les tiers peuvent également en profiter financièrement. Des ",{"text":3150,"type":69,"marks":3151},"recherches",[3152],{"type":106,"attrs":3153},{"href":3154,"uuid":65,"anchor":65,"custom":3155,"target":571,"linktype":19},"https://enqueteplein.nl/onderzoeksmethoden/marktonderzoek-doen/",{},{"text":3157,"type":69}," montrent que si les Pays-Bas passent aux processus d'e-facturation, les entreprises pourront économiser annuellement un montant de 1,2 milliard d'euros. Chaque partie impliquée dans cette question admet que cette étape est nécessaire.",{"type":54,"attrs":3159,"content":3160},{"textAlign":65},[3161],{"text":3162,"type":69},"Une facture électronique est un fichier électronique (pas en PDF) systématiquement structuré où toutes les données ont leur propre signification et sont toujours placées à un endroit spécifique dans le fichier. 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Jetez un œil à notre page ",{"text":1660,"type":69,"marks":3192},[3193],{"type":106,"attrs":3194},{"href":3195,"uuid":3196,"anchor":65,"custom":3197,"target":111,"linktype":112,"story":3198},"/resources/blog/how-does-e-invoicing-work-","9dbf9571-f075-4724-9d79-775def1b4703",{},{"name":3199,"id":3200,"uuid":3196,"slug":3201,"url":3202,"full_slug":3203,"_stopResolving":56},"How does e-invoicing work?",92115433303009,"how-does-e-invoicing-work","resources/blog/how-does-e-invoicing-work","fr/resources/blog/how-does-e-invoicing-work",{"text":770,"type":69},{"type":62,"attrs":3206,"content":3207},{"level":64,"textAlign":65},[3208],{"text":3209,"type":69},"Le groupe Banqup fournit ce qui suit",{"type":92,"content":3211},[3212,3219,3226],{"type":95,"content":3213},[3214],{"type":54,"attrs":3215,"content":3216},{"textAlign":65},[3217],{"text":3218,"type":69},"Connexion à Simplerinvoicing pour l'envoi mais aussi la réception des factures",{"type":95,"content":3220},[3221],{"type":54,"attrs":3222,"content":3223},{"textAlign":65},[3224],{"text":3225,"type":69},"Conversion de INSBOU003 en UBL 2.1 (format gouvernemental par défaut)",{"type":95,"content":3227},[3228,3233],{"type":54,"attrs":3229,"content":3230},{"textAlign":65},[3231],{"text":3232,"type":69},"Table de correspondance entre le numéro GLN et le numéro OIN",{"type":54,"attrs":3234},{"textAlign":65},{"type":54,"attrs":3236,"content":3237},{"textAlign":65},[3238],{"text":3239,"type":69},"Le processus est facile. Votre entreprise nous fournit des factures INSBOU003 via un lien sécurisé. Nous les convertissons ensuite en UBL 2.1 et envoyons la facture au gouvernement via le réseau Simplerinvoicing.",{"type":62,"attrs":3241,"content":3242},{"level":64,"textAlign":65},[3243],{"text":3244,"type":69},"Coûts",{"type":54,"attrs":3246,"content":3247},{"textAlign":65},[3248],{"text":3249,"type":69},"Cela dépend de la manière dont vous pouvez vous connecter. Avec plusieurs logiciels de l'industrie de la construction, nous avons déjà mis en place des liens d'envoi standard. Dans ce cas, vous ne paierez que pour la facture que vous envoyez. Mais même les connexions personnalisées ne seront pas forcément coûteuses. Une condition est que votre logiciel puisse fournir INSBOU003 ou UBL 2.1 à Banqup. Ce n'est pas seulement l'industrie de la construction, mais plusieurs industries qui passent à la facturation électronique à partir du 1er janvier 2017.",{"_uid":3251,"cards":3252,"buttons":5604,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5605},"b3572908-99f8-4f46-a5e1-c333c03305e7",[3253,4307,4308,4817],{"name":3254,"created_at":3255,"published_at":3256,"updated_at":3257,"id":3258,"uuid":3259,"content":3260,"slug":4292,"full_slug":4293,"sort_by_date":4294,"position":4295,"tag_list":4296,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4297,"first_published_at":4298,"release_id":65,"lang":515,"path":65,"alternates":4299,"default_full_slug":4300,"translated_slugs":4301,"_stopResolving":56},"Startup FinTech company Facturis and the traditional bank: How do they do it?","2025-09-16T12:20:00.834Z","2026-07-24T13:03:51.759Z","2026-07-24T13:03:51.788Z",91486621047896,"087e905f-a7a0-4e68-bd3c-68563d24107b",{"seo":3261,"_uid":3265,"body":3266,"image":4277,"theme":8,"title":3274,"author":4281,"related":4282,"summary":4283,"category":4290,"component":2049,"createdOn":8,"description":4289,"relatedCountries":4291,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3262,"title":3263,"plugin":34,"description":3264},"e7ff7cb8-70b4-489a-82e8-90d0c0dad43d","Facturis and The Traditional Bank | Blog - Banqup","Nico Ten Wolde, CEO of Facturis, tells us more about developments in the FinTech world. Read on with Banqup Group.","9f8c2e3f-377d-426c-9f38-1e7214247b7f",[3267,3278,3416],{"_uid":3268,"align":8,"image":3269,"theme":49,"buttons":3273,"columns":644,"heading":3274,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3275,"invertTextColor":56},"1dc4d5b5-073d-4390-924b-e08dc3820f56",{"id":3270,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3271,"copyright":8,"fieldtype":15,"meta_data":3272,"is_external_url":17},96013885934360,"https://a.storyblok.com/f/318078/1925x510/c9aae03111/startup-fintech-company-facturis-and-the-traditional-bank-how-do-they-do-it.png",{},[],"Startup de FinTech Facturis et la banque traditionnelle : Comment font-ils ?",{"type":51,"content":3276},[3277],{"type":54},{"_uid":3279,"text":3280,"component":506,"background":49},"71a6e8bc-5af3-441c-86d5-b030832c8859",{"type":51,"content":3281},[3282,3287,3292,3294,3299,3304,3306,3311,3316,3318,3323,3328,3330,3335,3340,3345,3347,3352,3357,3359,3364,3369,3371,3376,3381,3383,3388,3404,3406,3411],{"type":54,"attrs":3283,"content":3284},{"textAlign":65},[3285],{"text":3286,"type":69},"Facturis, un partenaire de Unifiedpost (maintenant Banqup), est une plateforme en ligne qui aide à optimiser la situation financière des petites et moyennes entreprises aux Pays-Bas. La plateforme facilite un flux plus efficace des factures entrantes et sortantes, la gestion des débiteurs, la récupération des autorisations de prélèvement SEPA, l'escompte dynamique et le crédit de fonds de roulement dynamique.",{"type":54,"attrs":3288,"content":3289},{"textAlign":65},[3290],{"text":3291,"type":69},"Dans cette interview, Nico Ten Wolde, PDG de Facturis, parle davantage des évolutions dans le monde de la technologie financière (FinTech).",{"type":54,"attrs":3293},{"textAlign":65},{"type":62,"attrs":3295,"content":3296},{"level":133,"textAlign":65},[3297],{"text":3298,"type":69},"Comment Facturis a-t-il été créé à partir de la Rabobank ?",{"type":54,"attrs":3300,"content":3301},{"textAlign":65},[3302],{"text":3303,"type":69},"Rabobank a commencé une orientation stratégique en 2010 pour augmenter sa valeur ajoutée et son unicité pour ses clients professionnels. Rabobank souhaite fournir des services au sein des processus commerciaux des clients chaque fois et où ils en ont besoin. Alors que Rabobank s'est traditionnellement concentrée sur l'offre de produits tels que les transactions, le financement et l'assurance, elle souhaitait offrir des services pour soutenir l'ensemble du processus de commande à encaissement de ses clients. Cela va au-delà de l'exécution des transactions et de la fourniture de financement. En offrant différents services qui fonctionnent en synergie sur une plateforme, le client a des coûts d'exploitation plus bas et un besoin moindre de financement externe. Pour y parvenir, Rabobank a établi un partenariat avec Banqup sous la forme de Facturis. Banqup fournit la technologie de la plateforme de facturation.",{"type":54,"attrs":3305},{"textAlign":65},{"type":62,"attrs":3307,"content":3308},{"level":133,"textAlign":65},[3309],{"text":3310,"type":69},"Quel est le groupe cible de Facturis ? Que faites-vous pour connecter le produit à ce groupe cible ?",{"type":54,"attrs":3312,"content":3313},{"textAlign":65},[3314],{"text":3315,"type":69},"Facturis se concentre sur le marché des entreprises, en mettant l'accent principalement sur les petites et moyennes entreprises (PME). Ces types d'organisations ont besoin d'obtenir des services de nombreuses parties différentes afin d'optimiser les processus financiers et administratifs. Comme ils achètent des services à différentes parties, il y a un manque d'aperçu et de contrôle sur l'ensemble du processus financier. En fournissant de manière intégrale des services de divers partenaires sur une seule plateforme, nous offrons aux entrepreneurs une meilleure vision de leur situation financière. Il ne s'agit pas seulement d'envoyer des factures - il s'agit de faire en sorte que les factures soient payées le plus rapidement possible.",{"type":54,"attrs":3317},{"textAlign":65},{"type":62,"attrs":3319,"content":3320},{"level":133,"textAlign":65},[3321],{"text":3322,"type":69},"Tout le monde parle du changement de rôle des banques, en partie grâce aux initiatives FinTech. Quels sont, selon vous, les éléments que nous remarquons déjà ?",{"type":54,"attrs":3324,"content":3325},{"textAlign":65},[3326],{"text":3327,"type":69},"Ce que je constate, c'est qu'il y a 10 ans, une banque était le seul endroit que vous envisageriez pour des services financiers, ce n'est plus toujours le cas. Pensez aux acteurs de la FinTech comme Adyen, qui proposent une large gamme de produits financiers provenant de banques et d'autres institutions financières sur une plateforme. Le client ne traite plus directement avec une banque traditionnelle. De plus, nous constatons une forte croissance des plateformes de financement participatif. Le financement n'est plus obtenu par le biais d'une banque. Plus récemment, plusieurs initiatives liées à la blockchain et la mise en œuvre imminente de la PSD2 créeront de nouvelles opportunités pour les acteurs en dehors du monde bancaire traditionnel.",{"type":54,"attrs":3329},{"textAlign":65},{"type":62,"attrs":3331,"content":3332},{"level":133,"textAlign":65},[3333],{"text":3334,"type":69},"Pourquoi pensez-vous que les banques travailleront de plus en plus avec les entreprises FinTech ? Quel est l'avantage pour les banques ?",{"type":54,"attrs":3336,"content":3337},{"textAlign":65},[3338],{"text":3339,"type":69},"D'une part, les banques doivent souvent faire face à des systèmes hérités complexes qui limitent les possibilités de mettre en œuvre rapidement de nouvelles solutions. D'autre part, les banques doivent gérer la mise en œuvre et la maintenance de nouvelles règles et réglementations avec les processus actuels. Cela rend presque impossible la mise en œuvre rapide d'innovations. Les entreprises de technologie financière peuvent rapidement lancer de nouveaux concepts pour des groupes cibles spécifiques. En coopérant avec les banques, la puissance de la marque existante et du canal de distribution est utilisée de manière optimale. Une situation gagnant-gagnant pour le client, l'entreprise de technologie financière et une banque.",{"type":54,"attrs":3341,"content":3342},{"textAlign":65},[3343],{"text":3344,"type":69},"En raison de la flexibilité d'InvoiceCredit, les entreprises peuvent rationaliser le flux d'argent.",{"type":54,"attrs":3346},{"textAlign":65},{"type":62,"attrs":3348,"content":3349},{"level":133,"textAlign":65},[3350],{"text":3351,"type":69},"Quel a été le plus grand succès de Facturis ?",{"type":54,"attrs":3353,"content":3354},{"textAlign":65},[3355],{"text":3356,"type":69},"Le lancement du pilote Invoice Credit. L'Invoice Credit est un crédit de fonds de roulement dynamique qui évolue en temps réel avec le flux de facturation (sortant) d'une entreprise. En conséquence, l'entrepreneur n'a pas toujours besoin de retourner à sa banque pour ajuster sa ligne de crédit. Grâce à la flexibilité d'InvoiceCredit, les entreprises peuvent rationaliser le flux d'argent, optimisant ainsi leur fonds de roulement. InvoiceCredit répond au besoin des entreprises d'un crédit reflétant les fluctuations du flux de facturation et évoluant avec l'entreprise.",{"type":54,"attrs":3358},{"textAlign":65},{"type":62,"attrs":3360,"content":3361},{"level":133,"textAlign":65},[3362],{"text":3363,"type":69},"Quel est votre plus grand défi au sein de Facturis ?",{"type":54,"attrs":3365,"content":3366},{"textAlign":65},[3367],{"text":3368,"type":69},"Notre plus grand défi est de maintenir la vitesse dont vous avez besoin en tant que FinTech pour réussir et pouvoir continuer à innover. Les lois, les réglementations et les systèmes hérités limitent parfois la vitesse de lancement de nouveaux services rapidement au sein des grandes organisations. En coopération avec de grandes organisations, telles que les banques, nous sommes confrontés au défi d'équilibrer la vitesse et l'adoption de nouveaux services bancaires.",{"type":54,"attrs":3370},{"textAlign":65},{"type":62,"attrs":3372,"content":3373},{"level":133,"textAlign":65},[3374],{"text":3375,"type":69},"Comment une startup avec une pensée aussi créative au sein de la banque (traditionnelle) a-t-elle été si bien adoptée ?",{"type":54,"attrs":3377,"content":3378},{"textAlign":65},[3379],{"text":3380,"type":69},"D'une part, avec beaucoup de travail missionnaire au sein de Rabobank sous forme de présentations et en rédigeant de nombreux mémos pour convaincre les bonnes parties prenantes à l'intérieur et à l'extérieur de Rabobank. D'autre part, l'arrivée de Wiebe Draijer (Président du Conseil d'Administration de Rabobank) nous a grandement aidés dans l'adoption de Facturis au sein de Rabobank. Avec la création d'un département FinTech & Innovation, Rabobank a clairement opté pour l'adoption des entreprises FinTech à l'avenir.",{"type":54,"attrs":3382},{"textAlign":65},{"type":62,"attrs":3384,"content":3385},{"level":133,"textAlign":65},[3386],{"text":3387,"type":69},"Quelle est, selon vous, l'initiative FinTech la plus réussie sur le marché ? Citez-en une qui a été lancée et une qui n'a pas encore été lancée.",{"type":92,"content":3389},[3390,3397],{"type":95,"content":3391},[3392],{"type":54,"attrs":3393,"content":3394},{"textAlign":65},[3395],{"text":3396,"type":69},"Lancé : Kabbage : Kabbage est une entreprise américaine de technologie financière qui peut évaluer la demande de financement d'un consommateur ou d'une PME en quelques minutes.",{"type":95,"content":3398},[3399],{"type":54,"attrs":3400,"content":3401},{"textAlign":65},[3402],{"text":3403,"type":69},"Non lancé : Easytrade, une solution innovante de couverture des risques de change pour les entreprises (internationales). Easytrade est une nouvelle initiative FinTech créée par le programme Moonshot de Rabobank, un programme d'accélération interne visant à concrétiser les idées innovantes des employés.",{"type":54,"attrs":3405},{"textAlign":65},{"type":62,"attrs":3407,"content":3408},{"level":133,"textAlign":65},[3409],{"text":3410,"type":69},"Quelles sont, selon vous, les évolutions les plus importantes dans le domaine des technologies financières (FinTech) dans un avenir proche ?",{"type":54,"attrs":3412,"content":3413},{"textAlign":65},[3414],{"text":3415,"type":69},"Dans les années à venir, je prévois des changements majeurs dans la gestion des risques. Grâce à l'application de l'IA et de l'apprentissage automatique, nous sommes en mesure d'estimer les risques de manière plus précise et d'exploiter les opportunités avec une capacité prédictive beaucoup plus grande. Cela a un impact positif sur les clients, nous pouvons fournir des services exactement au moment où le client en a besoin. De plus, l'intégration des initiatives blockchain et des monnaies virtuelles dans le secteur financier va prendre une ampleur considérable. Avec la mise en œuvre de la DSP2, il est possible pour les entreprises de technologie financière de combiner le monde ancien et le nouveau monde. Cela permet une adoption progressive de ces nouvelles avancées pour les clients.",{"_uid":3417,"cards":3418,"buttons":4273,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4274},"b13f78c5-2c8c-4c0e-bea4-52fc3780ed59",[3419,3695,3809,3848,4002],{"name":3420,"created_at":3421,"published_at":3422,"updated_at":3423,"id":3424,"uuid":3425,"content":3426,"slug":3680,"full_slug":3681,"sort_by_date":3682,"position":3683,"tag_list":3684,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":3685,"first_published_at":3686,"release_id":65,"lang":515,"path":65,"alternates":3687,"default_full_slug":3688,"translated_slugs":3689,"_stopResolving":56},"Banqup Group and Munich Re offer flexible financing for German SMEs","2025-09-16T12:04:42.352Z","2026-07-10T14:05:58.483Z","2026-07-10T14:05:58.513Z",91482858949348,"4aa96f86-3258-43c4-91f4-5f51f1a16148",{"seo":3427,"_uid":3431,"body":3432,"image":3662,"theme":8,"title":3440,"author":3667,"related":3668,"summary":3669,"category":3676,"component":2049,"createdOn":8,"description":3677,"relatedCountries":3678,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3428,"title":3429,"plugin":34,"description":3430},"c89d632f-1038-46cd-9fc4-5953d561a7a0","Flexible Financing for German SMEs | Blog - Banqup","Banqup Group announces a partnership with Munich Re, acting through Talaria One DAC, to provide invoice financing to SMEs","1b505508-3d02-4ffe-8b22-03baa52e531b",[3433,3444,3651],{"_uid":3434,"align":8,"image":3435,"theme":49,"buttons":3439,"columns":644,"heading":3440,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3441,"invertTextColor":56},"34bcf64b-8d1d-4ae1-86e2-4ffc8037f1f0",{"id":3436,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3437,"copyright":8,"fieldtype":15,"meta_data":3438,"is_external_url":17},96384828363190,"https://a.storyblok.com/f/318078/1925x510/cf19892483/unifiedpost-group-and-munich-re-offer-flexible-financing-for-german-smes.png",{},[],"Le groupe Banqup (anciennement Unifiedpost Group) et Munich Re proposent un financement flexible pour les PME allemandes.",{"type":51,"content":3442},[3443],{"type":54},{"_uid":3445,"text":3446,"component":506,"background":49},"3bd234a1-d4d6-4416-b7c3-796e5400fb3e",{"type":51,"content":3447},[3448,3453,3466,3471,3476,3485,3490,3499,3501,3506,3511,3516,3574,3593,3595,3600,3627,3632,3634,3641,3646],{"type":54,"attrs":3449,"content":3450},{"textAlign":65},[3451],{"text":3452,"type":69},"La Hulpe, Belgique - 25 janvier 2023, 8h00 CET - Le groupe Banqup (Euronext : UPG) annonce un partenariat stratégique avec Munich Re, agissant par le biais de Talaria One DAC, pour fournir du financement de factures aux utilisateurs de la plateforme PME de Banqup.",{"type":54,"attrs":3454,"content":3455},{"textAlign":65},[3456,3458,3464],{"text":3457,"type":69},"Banqup, leader du marché en ",{"text":3459,"type":69,"marks":3460},"facturation électronique",[3461],{"type":106,"attrs":3462},{"href":3463,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"/services/invoicing",{"text":3465,"type":69}," et Munich Re, l'un des principaux fournisseurs mondiaux de réassurance, d'assurance primaire et de solutions de gestion des risques liées à l'assurance, agissant par le biais de Talaria One DAC basée en Irlande, vont co-créer une fonctionnalité intégrée dans la plateforme Banqup pour PME. Cela permettra aux utilisateurs de se faire payer immédiatement leurs factures impayées et ainsi débloquer de la liquidité pour la PME. En combinant l'expertise en assurance et la capacité financière de Munich Re avec la technologie et la base de clients de Banqup, les synergies de ce partenariat sont significatives. Le premier lancement se fera en Allemagne avec pour ambition à court terme d'étendre la fonctionnalité à plusieurs pays où opère Banqup.",{"type":54,"attrs":3467,"content":3468},{"textAlign":65},[3469],{"text":3470,"type":69},"Banqup et Talaria One DAC ont signé l'accord de coopération le 24 janvier 2023 et prévoient de lancer l'intégration au deuxième trimestre de 2023.",{"type":54,"attrs":3472,"content":3473},{"textAlign":65},[3474],{"text":3475,"type":69},"En commentant ce partenariat stratégique, Hans Leybaert, PDG et fondateur de Banqup, a déclaré :",{"type":1427,"content":3477},[3478],{"type":54,"attrs":3479,"content":3480},{"textAlign":65},[3481],{"text":3482,"type":69,"marks":3483},"Ce genre de solutions de facturation et de recouvrement n'est souvent pas accessible pour les PME, cependant ces dernières rencontrent des contraintes de fonds de roulement encore plus importantes que les entreprises de taille moyenne et grande. Nous sommes fiers de conclure ce partenariat avec TALARIA ONE DAC. Nos forces et nos valeurs communes se complètent mutuellement et forment la base d'une coopération réussie.",[3484],{"type":1443},{"type":54,"attrs":3486,"content":3487},{"textAlign":65},[3488],{"text":3489,"type":69},"Andreas Moser, responsable des solutions de financement du commerce intégré chez Munich Re :",{"type":1427,"content":3491},[3492],{"type":54,"attrs":3493,"content":3494},{"textAlign":65},[3495],{"text":3496,"type":69,"marks":3497},"\"En ces temps difficiles, les petites et moyennes entreprises demandent actuellement des solutions de financement flexibles et une sécurité financière. Notre solution de facturation à encaissement fait les deux en augmentant la liquidité et en protégeant les entreprises contre le non-paiement des factures. Nous croyons que la manière la plus conviviale d'offrir une telle solution est de l'intégrer dans les plateformes existantes utilisées par les petites et moyennes entreprises. Aujourd'hui, Banqup connecte déjà un très grand nombre de petites et moyennes entreprises partout en Europe avec leurs clients et fournisseurs. Par conséquent, c'est un partenaire idéal pour une intégration transparente de notre solution de facturation à encaissement.\"",[3498],{"type":1443},{"type":54,"attrs":3500},{"textAlign":65},{"type":62,"attrs":3502,"content":3503},{"level":64,"textAlign":65},[3504],{"text":3505,"type":69},"À propos du groupe Banqup",{"type":54,"attrs":3507,"content":3508},{"textAlign":65},[3509],{"text":3510,"type":69},"Banqup est une plateforme leader basée sur le cloud pour les services aux entreprises des PME, construite sur les piliers \"Documents\", \"Identité\" et \"Paiements\". Banqup exploite et développe une plateforme entièrement basée sur le cloud à 100 % pour les services administratifs et financiers, permettant des connexions en temps réel et sans faille entre les clients de Banqup, leurs fournisseurs, leurs clients et d'autres parties le long de la chaîne de valeur financière. Avec ses solutions tout-en-un, la mission de Banqup est de rendre les processus administratifs et financiers simples et intelligents pour ses clients. Depuis sa création en 2001, Banqup a connu une croissance significative, s'étendant à des bureaux dans 32 pays, avec plus de 500 millions de documents traités en 2021, touchant plus de 1 600 000 PME et plus de 2 500 grandes entreprises sur sa plateforme aujourd'hui.",{"type":54,"attrs":3512,"content":3513},{"textAlign":65},[3514],{"text":3515,"type":69},"Faits et chiffres remarquables :",{"type":92,"content":3517},[3518,3525,3532,3539,3546,3553,3560,3567],{"type":95,"content":3519},[3520],{"type":54,"attrs":3521,"content":3522},{"textAlign":65},[3523],{"text":3524,"type":69},"Établi en 2001, avec un bilan prouvé",{"type":95,"content":3526},[3527],{"type":54,"attrs":3528,"content":3529},{"textAlign":65},[3530],{"text":3531,"type":69},"Chiffre d'affaires de 171 millions d'euros en 2021",{"type":95,"content":3533},[3534],{"type":54,"attrs":3535,"content":3536},{"textAlign":65},[3537],{"text":3538,"type":69},"1400+ employés",{"type":95,"content":3540},[3541],{"type":54,"attrs":3542,"content":3543},{"textAlign":65},[3544],{"text":3545,"type":69},"Portefeuille diversifié de clients dans une grande variété d'industries (banque, leasing, services publics, médias, télécommunications, voyage, fournisseurs de services de sécurité sociale, organisations publiques, etc.) allant des grandes entreprises internationales aux PME.",{"type":95,"content":3547},[3548],{"type":54,"attrs":3549,"content":3550},{"textAlign":65},[3551],{"text":3552,"type":69},"Banqup Payments, une filiale à part entière, est reconnue comme un établissement de paiement par la Banque nationale de Belgique.",{"type":95,"content":3554},[3555],{"type":54,"attrs":3556,"content":3557},{"textAlign":65},[3558],{"text":3559,"type":69},"Partenaire certifié Swift",{"type":95,"content":3561},[3562],{"type":54,"attrs":3563,"content":3564},{"textAlign":65},[3565],{"text":3566,"type":69},"Expérience internationale en fusions et acquisitions",{"type":95,"content":3568},[3569],{"type":54,"attrs":3570,"content":3571},{"textAlign":65},[3572],{"text":3573,"type":69},"Coté sur le marché réglementé d'Euronext Bruxelles, symbole : UPG",{"type":54,"attrs":3575,"content":3576},{"textAlign":65},[3577,3581,3586,3589],{"text":3578,"type":69,"marks":3579},"(*) ",[3580],{"type":1443},{"text":3582,"type":69,"marks":3583},"Avertissement concernant les déclarations prospectives :",[3584,3585],{"type":72},{"type":1443},{"type":79,"marks":3587},[3588],{"type":1443},{"text":3590,"type":69,"marks":3591},"Les déclarations contenues dans le présent document peuvent inclure des prévisions, des attentes futures, des opinions et d’autres déclarations prospectives relatives à la performance future attendue du groupe Banqup sur les marchés dans lesquels il est actif. Ces déclarations prospectives sont fondées sur les connaissances et hypothèses actuelles de la direction concernant des événements futurs. Elles comportent naturellement des risques connus et inconnus, des incertitudes et d’autres facteurs qui paraissent justifiés au moment où elles sont formulées, mais qui peuvent s’avérer inexacts. Les résultats, performances ou événements réels peuvent différer de manière significative de ceux exprimés ou implicites dans ces déclarations prospectives. Sauf obligation contraire prévue par la législation applicable, le groupe Banqup n’assume aucune obligation de mettre à jour, clarifier ou modifier les déclarations prospectives contenues dans le présent communiqué de presse à la lumière de nouvelles informations, d’événements futurs ou d’autres éléments, et décline toute responsabilité à cet égard. Le lecteur est averti de ne pas accorder une confiance excessive à ces déclarations prospectives.",[3592],{"type":1443},{"type":54,"attrs":3594},{"textAlign":65},{"type":62,"attrs":3596,"content":3597},{"level":64,"textAlign":65},[3598],{"text":3599,"type":69},"À propos de Munich Re",{"type":54,"attrs":3601,"content":3602},{"textAlign":65},[3603,3607,3609,3613,3615,3619,3621,3625],{"text":3604,"type":69,"marks":3605},"Munich Re",[3606],{"type":72},{"text":3608,"type":69}," est l’un des principaux fournisseurs mondiaux de réassurance, d’assurance directe et de solutions de gestion des risques liées à l’assurance. Le groupe comprend les segments d’activité ",{"text":3610,"type":69,"marks":3611},"Réassurance",[3612],{"type":72},{"text":3614,"type":69}," et ",{"text":3616,"type":69,"marks":3617},"ERGO",[3618],{"type":72},{"text":3620,"type":69},", ainsi que la société de gestion d’actifs ",{"text":3622,"type":69,"marks":3623},"MEAG",[3624],{"type":72},{"text":3626,"type":69},". Munich Re est active à l’échelle mondiale et intervient dans toutes les branches du secteur de l’assurance. Depuis sa fondation en 1880, Munich Re est reconnue pour son expertise inégalée en matière de gestion des risques et sa solidité financière. Elle offre à ses clients une protection financière face à des sinistres d’ampleur exceptionnelle – du tremblement de terre de San Francisco en 1906 jusqu’à la saison des typhons du Pacifique en 2019.",{"type":54,"attrs":3628,"content":3629},{"textAlign":65},[3630],{"text":3631,"type":69},"Munich Re dispose d’une force d’innovation remarquable, qui lui permet d’assurer également des risques extraordinaires tels que les lancements de fusées, les énergies renouvelables ou les cyberattaques. L’entreprise joue un rôle clé dans la transformation numérique du secteur de l’assurance et, ce faisant, renforce sa capacité à évaluer les risques et à élargir la gamme de ses services. Grâce à ses solutions sur mesure et à sa proximité avec ses clients, Munich Re compte parmi les partenaires en gestion des risques les plus recherchés au monde, tant par les entreprises et les institutions que par les particuliers.",{"type":54,"attrs":3633},{"textAlign":65},{"type":54,"attrs":3635,"content":3636},{"textAlign":65},[3637],{"text":3638,"type":69,"marks":3639},"Avis de non-responsabilité Munich Re",[3640],{"type":72},{"type":54,"attrs":3642,"content":3643},{"textAlign":65},[3644],{"text":3645,"type":69},"Ce communiqué de presse contient des déclarations prospectives qui sont basées sur les hypothèses actuelles et les prévisions de la direction de Munich Re. Des risques, incertitudes et autres facteurs connus et inconnus pourraient entraîner des différences substantielles entre les déclarations prospectives données ici et le développement réel, en particulier les résultats, la situation financière et la performance de Munich Re. Munich Re n'assume aucune responsabilité de mettre à jour ces déclarations prospectives ou de les conformer à des événements ou développements futurs.",{"type":54,"attrs":3647,"content":3648},{"textAlign":65},[3649],{"text":3650,"type":69},"Les informations sont correctes à la date de publication du communiqué de presse du 25 janvier 2023.",{"_uid":3652,"cards":3653,"buttons":3658,"heading":1580,"tagline":8,"component":1581,"background":49,"description":3659},"173ee733-e7e1-4507-b26e-5ab68b8e1aae",[3654,3655,3656,3657],"24d12ea3-cdcf-4fe2-9170-bb11a2dac85c","ab260c7f-5825-4940-8432-9752d8d373b7","e63aa8f6-720b-4b55-a6a3-a43049210065","eaac7a42-5c45-451d-9d2e-737350b06b26",[],{"type":51,"content":3660},[3661],{"type":54},{"id":3663,"alt":3664,"name":8,"focus":8,"title":3664,"source":8,"filename":3665,"copyright":8,"fieldtype":15,"meta_data":3666,"is_external_url":17},91482999154511,"Banqup Group (former Unifiedpost Group) and Munich Re offer flexible financing for German SMEs","https://a.storyblok.com/f/318078/399x199/4f4618c948/643ea0dd923f5be023bf4f74_people.jpeg",{"alt":3664,"title":3664,"source":8,"copyright":8},[],[],{"type":51,"content":3670},[3671],{"type":54,"attrs":3672,"content":3673},{"textAlign":65},[3674],{"text":3675,"type":69},"Banqup Group annonce un partenariat stratégique avec Munich Re, agissant par l'intermédiaire de Talaria One DAC, afin de fournir un financement de factures aux utilisateurs de la plateforme PME Banqup d'Unifiedpost.",[1594,1595],"Le groupe Banqup annonce un partenariat stratégique avec Munich Re, agissant par le biais de Talaria One DAC, pour fournir du financement de factures aux utilisateurs de la plateforme PME Unifiedpost de Banqup.",[3679],"Germany","banqup-group-and-munich-re-offer-flexible-financing-for-german-smes","fr/resources/blog/banqup-group-and-munich-re-offer-flexible-financing-for-german-smes","2023-01-25",-2310,[],"7fbfde2d-577c-4599-a897-a6407e79232f","2023-01-25T15:05:00.000Z",[],"resources/blog/banqup-group-and-munich-re-offer-flexible-financing-for-german-smes",[3690,3691,3692],{"path":3688,"name":65,"lang":522,"published":65},{"path":3688,"name":65,"lang":515,"published":65},{"path":3693,"name":3694,"lang":527,"published":56},"informationen/blog/die-banqup-gruppe-und-munich-re-bieten-flexible-finanzierungen-fuer-deutsche-kmu-an","Die Banqup-Gruppe und Munich Re bieten flexible Finanzierungen für deutsche KMU an",{"name":3696,"created_at":3697,"published_at":3698,"updated_at":3699,"id":3700,"uuid":3701,"content":3702,"slug":3833,"full_slug":3834,"sort_by_date":3835,"position":3836,"tag_list":3837,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":3838,"first_published_at":3839,"release_id":65,"lang":515,"path":65,"alternates":3840,"default_full_slug":3841,"translated_slugs":3842,"_stopResolving":56},"Banqup Group expands business portfolio and geographical reach with Crossinx acquisition","2025-09-16T11:32:08.717Z","2026-07-10T14:11:40.881Z","2026-07-10T14:11:40.911Z",91474856863021,"bd9c62be-65b0-4d25-941b-5f313a3815e1",{"seo":3703,"_uid":3707,"body":3708,"image":3814,"theme":8,"title":3818,"author":3819,"related":3820,"summary":3821,"category":3828,"component":2049,"createdOn":8,"description":3829,"relatedCountries":3830,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3704,"title":3705,"plugin":34,"description":3706},"e8d2d1e8-2224-4243-8b26-0132cf55a5df","Crossinx Acquisition | Blog - Banqup","Banqup Group expands business portfolio and geographical reach with Crossinx acquisition. Discover more about the acquisition here.","1294f05e-aabf-4a56-8a44-333c37759925",[3709,3720,3804],{"_uid":3710,"align":8,"image":3711,"theme":49,"buttons":3715,"columns":644,"heading":3716,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3717,"invertTextColor":56},"ab4f7b83-96b7-4901-83de-b81489118c5a",{"id":3712,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3713,"copyright":8,"fieldtype":15,"meta_data":3714,"is_external_url":17},96383693283671,"https://a.storyblok.com/f/318078/1925x510/e30a26f647/unifiedpost-group-expands-business-portfolio-and-geographical-reach-with-crossinx-acquisition.png",{},[],"Le groupe Banqup élargit son portefeuille d'activités et sa présence géographique avec l'acquisition de Crossinx.",{"type":51,"content":3718},[3719],{"type":54},{"_uid":3721,"text":3722,"component":506,"background":49},"c2a96dee-a72f-4981-a7a4-a4f9abf598be",{"type":51,"content":3723},[3724,3729,3734,3743,3745,3752,3757,3762,3775,3780,3782,3789,3794,3799],{"type":54,"attrs":3725,"content":3726},{"textAlign":65},[3727],{"text":3728,"type":69},"Avec l'acquisition récente de Crossinx, le principal fournisseur allemand d'échange de documents numériques, le groupe Banqup confirme son engagement envers l'expansion européenne. Non seulement notre groupe pénètre désormais le marché allemand - et par extension les marchés autrichien, suisse et hongrois également - mais nous enrichissons également notre proposition de valeur, couvrant l'intégralité des cycles de commande à encaissement et d'approvisionnement à paiement, pour tous les types de clients en Europe.",{"type":54,"attrs":3730,"content":3731},{"textAlign":65},[3732],{"text":3733,"type":69},"En Hans Leybaert, notre ancien PDG, tresses;",{"type":1427,"content":3735},[3736],{"type":54,"attrs":3737,"content":3738},{"textAlign":65},[3739],{"text":3740,"type":69,"marks":3741},"L'acquisition de Crossinx signifie une expansion significative de Banqup. C'est crucial pour notre déploiement paneuropéen dans 26 pays cette année. De plus, d'importantes et nouvelles synergies sont créées par cette combinaison d'entreprises.",[3742],{"type":1443},{"type":54,"attrs":3744},{"textAlign":65},{"type":62,"attrs":3746,"content":3747},{"level":64,"textAlign":65},[3748],{"text":3749,"type":69,"marks":3750},"Solutions complémentaires et marchés",[3751],{"type":72},{"type":54,"attrs":3753,"content":3754},{"textAlign":65},[3755],{"text":3756,"type":69},"Pour commencer, les solutions de nos deux entreprises sont hautement complémentaires, tout comme les marchés spécifiques sur lesquels nous opérons. En unissant nos forces, notre groupe FinTech combiné peut désormais offrir des solutions complètes de la commande au paiement et de l'approvisionnement au paiement aux petites entreprises, aux moyennes entreprises et aux grandes entreprises.",{"type":54,"attrs":3758,"content":3759},{"textAlign":65},[3760],{"text":3761,"type":69},"Avec l'acquisition de Crossinx, notre réseau compte aujourd'hui près d'un million d'entreprises. En ajoutant 350 000 PME de Crossinx à notre base de clients déjà importante de moyennes entreprises, notre potentiel sur le marché des moyennes entreprises est devenu particulièrement important. De plus, notre propre force dans ce segment de marché spécifique sera désormais fortement complétée par l'expertise de Crossinx auprès des clients corporatifs.",{"type":54,"attrs":3763,"content":3764},{"textAlign":65},[3765,3767,3773],{"text":3766,"type":69},"La combinaison de nos deux solutions créera une offre étendue pour les processus commerciaux cruciaux de l'approvisionnement au paiement et de la commande à l'encaissement. Nous sommes convaincus que notre proposition de valeur commune conduira à une offre intégrée plus robuste, en comparaison avec d'autres acteurs du marché. La base de clients de Crossinx sera particulièrement mise à profit par nos solutions de ",{"text":3768,"type":69,"marks":3769},"paiement",[3770],{"type":106,"attrs":3771},{"href":3772,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"/services/payments",{"text":3774,"type":69}," et de financement de la chaîne d'approvisionnement (SCF). Nos clients bénéficieront de l'automatisation des processus dans des domaines tels que l'approbation des factures, la réconciliation des commandes et la conformité fiscale mondiale.",{"type":54,"attrs":3776,"content":3777},{"textAlign":65},[3778],{"text":3779,"type":69},"En combinant nos deux solutions, pour la première fois, des produits complets et évolutifs prêts à l'emploi seront disponibles pour l'ensemble de nos segments de clients. Nous pensons que cela suscitera également un intérêt croissant de la part des partenaires souhaitant revendre et intégrer ces produits à leurs offres, y compris les institutions financières et les fournisseurs de ERP.",{"type":54,"attrs":3781},{"textAlign":65},{"type":62,"attrs":3783,"content":3784},{"level":64,"textAlign":65},[3785],{"text":3786,"type":69,"marks":3787},"Ventes complémentaires",[3788],{"type":72},{"type":54,"attrs":3790,"content":3791},{"textAlign":65},[3792],{"text":3793,"type":69},"Enfin, mais certainement pas le moindre : compte tenu de l'accès susmentionné à un dense réseau d'entreprises locales, nos opportunités de vente croisée en Allemagne, en Suisse, en Autriche et en Hongrie sont également assez importantes. Cette acquisition nous lance sur ces nouveaux marchés importants, ce qui constitue une expansion stratégique significative et une autre étape clé dans le déploiement paneuropéen de notre plateforme FinTech.",{"type":54,"attrs":3795,"content":3796},{"textAlign":65},[3797],{"text":3798,"type":69},"Au final, c'est grâce à des acquisitions ciblées comme celle-ci que nous avons pu renforcer continuellement notre position en tant que société FinTech européenne de premier plan.",{"type":54,"attrs":3800,"content":3801},{"textAlign":65},[3802],{"text":3803,"type":69},"Depuis notre première acquisition en 2012, Banqup a suivi un chemin d'acquisition intense et bien réfléchi, dont six acquisitions stratégiques ont été réalisées après notre introduction en bourse sur Euronext Bruxelles en septembre dernier. Elles nous ont aidés à développer notre plateforme guichet unique et à étendre nos activités à 26 pays européens. Mais surtout, elles nous ont permis de créer toujours plus de valeur pour nos clients.",{"_uid":3805,"cards":3806,"buttons":3810,"heading":1580,"tagline":8,"component":1581,"background":49,"description":3811},"8ab56398-f3c4-4a34-860c-687789390f2d",[3807,3655,3808,3809],"19a3db9f-0cdc-41a8-bd56-884c6bc903df","26d9fd5c-7ce6-479f-867c-e828839701a7","99358888-1f21-4da8-9459-85e28a2d354c",[],{"type":51,"content":3812},[3813],{"type":54},{"id":3815,"alt":3696,"name":8,"focus":8,"title":3696,"source":8,"filename":3816,"copyright":8,"fieldtype":15,"meta_data":3817,"is_external_url":17},96383394103617,"https://a.storyblok.com/f/318078/1032x600/5eb9105f80/unifiedpost-group-expands-with-crossinx-acquisition.png",{"alt":3696,"title":3696,"source":8,"copyright":8},"Banqup Group élargit son portefeuille d'activités et sa présence géographique avec l'acquisition de Crossinx.",[],[],{"type":51,"content":3822},[3823],{"type":54,"attrs":3824,"content":3825},{"textAlign":65},[3826],{"text":3827,"type":69},"Avec l’acquisition récente de Crossinx, le groupe Banqup confirme son engagement en faveur de l’expansion européenne.",[1594,1595],"Avec l'acquisition récente de Crossinx, Banqup Group confirme son engagement envers l'expansion européenne.",[3679,3831,3832],"Hungary","Austria","banqup-group-expands-business-portfolio-and-geographical-reach-with-crossinx-acquisition","fr/resources/blog/banqup-group-expands-business-portfolio-and-geographical-reach-with-crossinx-acquisition","2021-04-19",-2230,[],"1c86538b-6ab1-414e-9030-4e202c484a82","2021-04-19T14:37:00.000Z",[],"resources/blog/banqup-group-expands-business-portfolio-and-geographical-reach-with-crossinx-acquisition",[3843,3844,3845],{"path":3841,"name":65,"lang":522,"published":65},{"path":3841,"name":65,"lang":515,"published":65},{"path":3846,"name":3847,"lang":527,"published":56},"informationen/blog/die-banqup-group-erweitert-ihr-geschaeftsportfolio-und-ihre-geografische-reichweite-durch-die-uebernahme-von-crossinx","Die Banqup Group erweitert ihr Geschäftsportfolio und ihre geografische Reichweite durch die Übernahme von Crossinx",{"name":3849,"created_at":3850,"published_at":3851,"updated_at":3852,"id":3853,"uuid":3808,"content":3854,"slug":3986,"full_slug":3987,"sort_by_date":3988,"position":3989,"tag_list":3990,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":3992,"first_published_at":3993,"release_id":65,"lang":515,"path":65,"alternates":3994,"default_full_slug":3995,"translated_slugs":3996,"_stopResolving":56},"Let’s transfer the Estonian private sector to e-invoices in three years","2025-09-16T10:33:12.416Z","2026-07-24T13:05:20.716Z","2026-07-24T13:05:20.743Z",91460372169288,{"seo":3855,"_uid":3859,"body":3860,"image":3969,"theme":8,"title":3868,"author":3973,"related":3974,"summary":3975,"category":3982,"component":2049,"createdOn":8,"description":3983,"relatedCountries":3984,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3856,"title":3857,"plugin":34,"description":3858},"f6d15ee1-eab4-4dac-bcfe-d481cd4d751d","Estonia's Private Sector & E-invoicing | Blog - Banqup","We interviewed Andrus Kaarelson, CEO of Banqup Estonia, about Estonia's private sector use of electronic invoicing.","92080099-bb7d-4ae8-bbe6-c618ed5a215d",[3861,3872,3959],{"_uid":3862,"align":8,"image":3863,"theme":49,"buttons":3867,"columns":644,"heading":3868,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3869,"invertTextColor":56},"7c381056-73bc-4875-ae58-bd7103e921c6",{"id":3864,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3865,"copyright":8,"fieldtype":15,"meta_data":3866,"is_external_url":17},94996916104167,"https://a.storyblok.com/f/318078/1925x510/64b2d32e0f/let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years.png",{},[],"Transférons le secteur privé estonien aux factures électroniques en trois ans.",{"type":51,"content":3870},[3871],{"type":54},{"_uid":3873,"text":3874,"component":506,"background":49},"9c2f2aaa-6a7e-4a73-a1d7-d237aa4f895a",{"type":51,"content":3875},[3876,3881,3894,3899,3904,3909,3914,3920,3925,3930,3935,3939,3944,3949,3954],{"type":54,"attrs":3877,"content":3878},{"textAlign":65},[3879],{"text":3880,"type":69},"Nous avons parlé à Andrus Kaarelson, PDG de Banqup Estonie, et discuté du rôle des factures électroniques dans le secteur privé.",{"type":54,"attrs":3882,"content":3883},{"textAlign":65},[3884,3886,3892],{"text":3885,"type":69},"L'année dernière, des entrepreneurs nous ont demandé : pourquoi ai-je besoin d'une facture électronique ? Ils posent la même question aujourd'hui car, comme le montre une récente étude d'Ernst & Young, la sensibilisation aux avantages de la facturation électronique reste faible et la pression pour envoyer ",{"text":3887,"type":69,"marks":3888},"factures électroniques",[3889],{"type":106,"attrs":3890},{"href":3137,"uuid":3138,"anchor":65,"custom":3891,"target":111,"linktype":112},{},{"text":3893,"type":69}," Ne vient que de l'État. Mais suivons l'exemple de l'État estonien, devenons plus verts et plus efficaces dans le secteur privé, et passons à la facturation électronique d'ici 2025 ?",{"type":54,"attrs":3895,"content":3896},{"textAlign":65},[3897],{"text":3898,"type":69},"Dans une période d'inflation rapide, les entreprises doivent accroître leur efficacité et transférer certaines activités des employés vers des systèmes d'information. Marek Ilves, responsable du département de développement de logiciels d'entreprise du Centre de services partagés de l'État, fournit un chiffre révélateur : L'obligation imposée aux entreprises en 2019 d'envoyer uniquement des factures électroniques pour les biens et services aux organismes publics a conduit à leur part presque 100% aujourd'hui. Nous économisons du temps, de l'argent et l'environnement, et nous félicitons notre nation numérique pour cette démarche innovante.",{"type":54,"attrs":3900,"content":3901},{"textAlign":65},[3902],{"text":3903,"type":69},"Nous ne pouvons pas voir d'impressionnants pourcentages en termes de règlements entre les entreprises estoniennes. Une enquête menée par Ernst & Young Baltic montre que dans l'économie estonienne, près de 75 millions de factures sont envoyées et reçues chaque année, dont environ 45% sont des factures électroniques. La part la plus importante des factures est constituée par les ordres permanents de factures électroniques envoyés aux banques, ce qui est une victoire pour le secteur privé.",{"type":54,"attrs":3905,"content":3906},{"textAlign":65},[3907],{"text":3908,"type":69},"Environ la moitié de nos entreprises ont envoyé des factures électroniques, mais seules 10 800 entités juridiques se sont enregistrées en tant que destinataires de e-business et ont choisi un opérateur de facturation électronique, ce qui représente environ 8% des entreprises économiquement actives. Ce n'est pas beaucoup. Les petites et moyennes entreprises n'ont pas encore découvert la facturation électronique, et l'enquête révèle les raisons de cela : faible sensibilisation, faible motivation et peur de la complexité de leur mise en œuvre.",{"type":54,"attrs":3910,"content":3911},{"textAlign":65},[3912],{"text":3913,"type":69},"Sure, please provide me with the text you would like me to translate into French.",{"type":62,"attrs":3915,"content":3917},{"level":3916,"textAlign":65},5,[3918],{"text":3919,"type":69},"Alors, que faire avec le secteur privé ?",{"type":54,"attrs":3921,"content":3922},{"textAlign":65},[3923],{"text":3924,"type":69},"L'État avait déjà franchi une grande étape en ne permettant que la facturation électronique, mais il reste encore beaucoup à faire. De notre côté, nous constatons que, en plus du faible niveau de sensibilisation et des craintes des petites entreprises, l'obstacle a été le manque de solutions sur le marché - le manque de solutions qui leur permettraient d'entrer dans le 21e siècle en numérisant leur gestion comptable. Nous encourageons l'envoi de factures électroniques depuis des années - notre service arved.ee compte près de 20 000 utilisateurs. Cependant, il existe peu de solutions de facturation avec plus d'options, en particulier celles qui ne nécessitent pas de connaissances en informatique ou un gros budget. Nous prévoyons de combler cette lacune prochainement avec un nouveau service paneuropéen, Banqup, spécifiquement conçu pour les petites et moyennes entreprises, mais d'autres mesures sont nécessaires.",{"type":54,"attrs":3926,"content":3927},{"textAlign":65},[3928],{"text":3929,"type":69},"Afin de favoriser la diffusion des factures électroniques, il a été proposé que l'acheteur commence à exiger des factures électroniques du vendeur. La coercition n'est pas considérée comme raisonnable, mais en alternative, certains acteurs du marché préfèrent la pratique finlandaise où les entreprises réalisant un chiffre d'affaires annuel d'au moins 10 000 euros ont le droit de demander une facture électronique à leurs partenaires.",{"type":54,"attrs":3931,"content":3932},{"textAlign":65},[3933],{"text":3934,"type":69},"Notre expérience montre que tous les dirigeants d'entreprise sont intéressés à recevoir leur argent à temps, et à cet égard, les factures électroniques sont bien meilleures que les factures papier et PDF. La facturation électronique se fait dans un canal spécifique, et à l'ère du travail hybride, le processus est sous contrôle, les factures ne disparaissent pas. Si la facture passe d'un système à un autre, l'argent sera reçu par le vendeur plus rapidement, à temps. De plus, un bouton de paiement peut être ajouté aux factures de vente, ce qui accélère encore plus la réception de l'argent. Tout cela entraînera une réduction significative de la dette et des charges de gestion de la dette. De plus, les entreprises apprécient certainement la sécurité : lorsque vous envoyez une facture électronique, elle provient d'un utilisateur enregistré qui est identifiable en tout temps. Alors qu'un PDF reçu par e-mail n'est pas toujours sécurisé. J'ai moi-même rencontré une facture frauduleuse qui était très similaire à l'originale et qui n'a été laissée impayée que grâce à l'attention des gestionnaires de factures.",{"type":54,"attrs":3936,"content":3937},{"textAlign":65},[3938],{"text":3913,"type":69},{"type":54,"attrs":3940,"content":3941},{"textAlign":65},[3942],{"text":3943,"type":69},"Les économies de coûts résumées brièvement et de manière succincte sont d'un grand intérêt pour les gestionnaires d'entreprises. Les chiffres peuvent être plus grands ou plus petits, mais voici un exemple : L'étude d'Ernst & Young porte sur une thèse de fin d'études défendue à l'Université de Technologie de Tallinn, selon laquelle le traitement d'une facture PDF coûte 1,37 euros et le traitement d'une facture électronique 0,74 euros, la différence étant de 0,63 euros par facture. Par exemple, si une petite entreprise travaille dur et gère 1000 factures par an, les économies s'élèvent à 630 euros. Les bénéfices des grandes entreprises sont nettement plus élevés.",{"type":54,"attrs":3945,"content":3946},{"textAlign":65},[3947],{"text":3948,"type":69},"Revenons à l'idée que les entreprises du secteur privé pourraient passer à la facturation électronique en trois ans, cela rendrait notre secteur privé déjà rapide encore plus rapide et plus efficace. Si un fournisseur majeur déclare n'accepter que les factures électroniques, il convient d'en discuter avec votre comptable ou votre cabinet comptable. Un beau jour, votre comptable ne se contentera plus de saisir des factures sur un ordinateur mais contribuera réellement au développement de l'entreprise en réalisant des analyses financières. Après tout, il existe des solutions de facturation électronique sur le marché, qui sont à leur tour interfacées avec des logiciels de comptabilité.",{"type":54,"attrs":3950,"content":3951},{"textAlign":65},[3952],{"text":3953,"type":69},"Nous ne voulons pas forcer qui que ce soit à faire de la facturation électronique. Nous encourageons les entreprises à innover et à profiter de l'efficacité qui en découle, ce qui leur fera gagner du temps et de l'argent. Celui qui reste bloqué dans l'ancien n'ira pas vite, mais trois ans est juste le bon moment pour la transition.",{"type":54,"attrs":3955,"content":3956},{"textAlign":65},[3957],{"text":3958,"type":69},"L'article a été publié dans Äripäev le 21 mars 2022.",{"_uid":3960,"cards":3961,"buttons":3965,"heading":1580,"tagline":8,"component":1581,"background":49,"description":3966},"4056ed7c-7af4-4aee-b7fd-df1acb1ad4f7",[3655,3962,3963,3964],"2624a3f5-4932-4d3a-be86-2f127b7eafbc","6d82ddfd-b3c9-4c0d-b75e-a2db5b157db9","711e469e-14ea-4498-86e4-038eb4e6146e",[],{"type":51,"content":3967},[3968],{"type":54},{"id":3970,"alt":3849,"name":8,"focus":8,"title":3849,"source":8,"filename":3971,"copyright":8,"fieldtype":15,"meta_data":3972,"is_external_url":17},91460513472874,"https://a.storyblok.com/f/318078/640x320/18ef08114e/643ea0e007622262ace50e23_march-2022-news-andrus_kaarelson_0337-640x320px.jpeg",{"alt":3849,"title":3849,"source":8,"copyright":8},[],[],{"type":51,"content":3976},[3977],{"type":54,"attrs":3978,"content":3979},{"textAlign":65},[3980],{"text":3981,"type":69},"Un entretien avec Andrus Kaarelson, PDG de Banqup Estonie, qui aborde le rôle des factures électroniques dans le secteur privé.",[2047,3049,3053],"Un entretien avec Andrus Kaarelson, PDG de Banqup Estonie, discutant du rôle des factures électroniques dans le secteur privé.",[3985],"Estonia","let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years","fr/resources/blog/let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years","2022-03-22",-2150,[3991],"Rebranding","1eca9c3d-9f52-459d-82b5-a456171c78cb","2022-03-22T13:34:00.000Z",[],"resources/blog/let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years",[3997,3998,3999],{"path":3995,"name":65,"lang":522,"published":65},{"path":3995,"name":65,"lang":515,"published":65},{"path":4000,"name":4001,"lang":527,"published":56},"informationen/blog/estlands-privatsektor-in-drei-jahren-zur-flaechendeckenden-e-rechnung","Estlands Privatsektor: In drei Jahren zur flächendeckenden E-Rechnung",{"name":4003,"created_at":4004,"published_at":4005,"updated_at":4006,"id":4007,"uuid":3962,"content":4008,"slug":4258,"full_slug":4259,"sort_by_date":4260,"position":4261,"tag_list":4262,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4263,"first_published_at":4264,"release_id":65,"lang":515,"path":65,"alternates":4265,"default_full_slug":4266,"translated_slugs":4267,"_stopResolving":56},"Mandatory electronic invoicing: Are Luxembourg’s micro-enterprises & SMEs ready?","2025-09-16T10:12:49.498Z","2026-07-24T13:06:49.055Z","2026-07-24T13:06:49.096Z",91455363104471,{"seo":4009,"_uid":4013,"body":4014,"image":4241,"theme":8,"title":4022,"author":4245,"related":4246,"summary":4247,"category":4254,"component":2049,"createdOn":8,"description":4255,"relatedCountries":4256,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4010,"title":4011,"plugin":34,"description":4012},"c70a9fa5-b304-427c-a107-efae21e97828","Are Luxembourg SMEs E-invoicing Ready? | Blog - Banqup","From 2022, electronic invoicing will be mandatory for Luxembourg's businesses billing public-sector bodies. Explore the changes with Banqup Group.","f4780612-b948-488d-b3c9-dae185cdaf47",[4015,4026,4230],{"_uid":4016,"align":8,"image":4017,"theme":49,"buttons":4021,"columns":644,"heading":4022,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4023,"invertTextColor":56},"2621a5e1-58f0-4423-a6d4-6c470458c76a",{"id":4018,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4019,"copyright":8,"fieldtype":15,"meta_data":4020,"is_external_url":17},102116512667814,"https://a.storyblok.com/f/318078/1925x510/ab27043ad1/mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready.png",{},[],"Facturation électronique obligatoire : Les micro-entreprises et PME du Luxembourg sont-elles prêtes ?",{"type":51,"content":4024},[4025],{"type":54},{"_uid":4027,"text":4028,"component":506,"background":49},"b1a52059-db05-4e59-a66d-6406cfc25def",{"type":51,"content":4029},[4030,4035,4040,4045,4050,4057,4062,4064,4069,4074,4079,4084,4086,4091,4096,4098,4103,4108,4110,4115,4120,4125,4130,4137,4148,4170,4172,4177,4182,4184,4189,4196,4201,4206,4211,4216,4221,4223],{"type":54,"attrs":4031,"content":4032},{"textAlign":65},[4033],{"text":4034,"type":69},"Le 1er juillet 2022, toutes les entreprises luxembourgeoises, quelle que soit leur taille, seront légalement tenues de passer progressivement à la facturation électronique et d'émettre des factures structurées, conformes aux exigences des autorités fiscales.",{"type":54,"attrs":4036,"content":4037},{"textAlign":65},[4038],{"text":4039,"type":69},"Unifiedpost (maintenant Banqup), le leader européen des solutions automatisées dans la digitalisation des documents et de la gestion financière, souhaitait savoir si les micro-entreprises et PME luxembourgeoises sont équipées pour cette nouvelle étape cruciale dans la digitalisation des entreprises.",{"type":54,"attrs":4041,"content":4042},{"textAlign":65},[4043],{"text":4044,"type":69},"OpinionWay a réalisé une enquête pour Banqup durant l'été 2021. 200 directeurs de micro-entreprises et PME luxembourgeoises ont été interrogés sur le niveau de digitalisation des outils administratifs au sein de leurs organisations.",{"type":54,"attrs":4046,"content":4047},{"textAlign":65},[4048],{"text":4049,"type":69},"Les résultats de l'enquête sont assez surprenants seulement quelques mois avant que cette obligation entre en vigueur.",{"type":54,"attrs":4051,"content":4052},{"textAlign":65},[4053],{"text":4054,"type":69,"marks":4055},"80 % des dirigeants des micro-entreprises luxembourgeoises ne sont pas conscients de l'obligation d'émettre des factures électroniques.",[4056],{"type":72},{"type":54,"attrs":4058,"content":4059},{"textAlign":65},[4060],{"text":4061,"type":69},"De plus, bien qu'ils puissent être conscients des gains de temps pouvant être générés par des solutions administratives numériques, peu de micro-entreprises utilisent réellement des outils dédiés et la majorité ignore les obligations légales concernant l'introduction de la facturation électronique en 2022, révélant ainsi leur besoin de soutien pour cette transition numérique.",{"type":54,"attrs":4063},{"textAlign":65},{"type":62,"attrs":4065,"content":4066},{"level":133,"textAlign":65},[4067],{"text":4068,"type":69},"Le passage aux factures électroniques structurées : un défi majeur",{"type":54,"attrs":4070,"content":4071},{"textAlign":65},[4072],{"text":4073,"type":69},"L'obligation d'émettre des factures électroniques structurées aux entités du secteur public à partir de 2022 pour les entreprises luxembourgeoises est encore largement ignorée par la direction des micro-entreprises : 92 % des micro-entreprises et PME ne sont pas familières ou n'utilisent pas la facturation électronique structurée.",{"type":54,"attrs":4075,"content":4076},{"textAlign":65},[4077],{"text":4078,"type":69},"80% des directeurs des micro-entreprises et PME luxembourgeoises ne sont pas au courant de l'obligation imminente d'émettre des factures électroniques structurées. 42% en ont entendu parler et seulement 8% l'utilisent déjà. Cette dernière proportion augmente cependant pour les PME de 5 à 19 employés, atteignant 14% des répondants.",{"type":54,"attrs":4080,"content":4081},{"textAlign":65},[4082],{"text":4083,"type":69},"Une découverte inquiétante étant donné que ce sera le seul format qui sera progressivement accepté par les organismes du secteur public à partir du 1er juillet 2022.",{"type":54,"attrs":4085},{"textAlign":65},{"type":62,"attrs":4087,"content":4088},{"level":133,"textAlign":65},[4089],{"text":4090,"type":69},"La gestion des micro-entreprises est trop occupée pour s'occuper de cela : un quart d'entre elles estiment qu'elles doivent passer trop de temps sur les tâches administratives.",{"type":54,"attrs":4092,"content":4093},{"textAlign":65},[4094],{"text":4095,"type":69},"Les tâches administratives peuvent être chronophages pour de nombreuses entreprises. En effet, plus d'un tiers (36 %) des personnes interrogées sont insatisfaites du temps qu'elles doivent y consacrer : 25 % estiment y consacrer trop de temps et 11 % pas assez.",{"type":54,"attrs":4097},{"textAlign":65},{"type":62,"attrs":4099,"content":4100},{"level":133,"textAlign":65},[4101],{"text":4102,"type":69},"Les outils numériques sont largement disponibles, mais ne conduisent pas nécessairement à des économies de temps.",{"type":54,"attrs":4104,"content":4105},{"textAlign":65},[4106],{"text":4107,"type":69},"Les micro-entreprises luxembourgeoises utilisent des outils informatiques pour simplifier la gestion de leurs documents (factures, documents pour les autorités fiscales, relevés bancaires, dépenses, etc.). Dans l'ensemble, elles sont satisfaites de ces outils : plus de 80 % des directeurs estiment que ces outils sont faciles à utiliser, efficaces et adaptés à l'activité de leur entreprise. Cependant, les outils utilisés sont pour la grande majorité basiques et non professionnels : 84 % utilisent des outils basiques (Excel, Word, etc.), 34 % utilisent des solutions proposées par un prestataire de services externe (logiciel, interface web, etc.) et 11 % utilisent d'autres types de solutions numériques, tandis que seulement 8 % des micro-entreprises n'ont aucun outil administratif numérique.",{"type":54,"attrs":4109},{"textAlign":65},{"type":62,"attrs":4111,"content":4112},{"level":133,"textAlign":65},[4113],{"text":4114,"type":69},"Les environnements numériques et le soutien dédié apportent une aide précieuse aux dirigeants de micro-entreprises.",{"type":54,"attrs":4116,"content":4117},{"textAlign":65},[4118],{"text":4119,"type":69},"Bien que la grande majorité de la gestion des micro-entreprises et PME luxembourgeoises aient recours à un prestataire de services pour la gestion de leurs comptes afin de décharger leurs tâches administratives - adopté par 82% des directeurs de micro-entreprises - l'utilisation d'un environnement numérique pour la gestion de leurs factures est encore relativement peu courante : 54% de la gestion des micro-entreprises luxembourgeoises n'ont toujours pas d'environnement numérique (logiciel ou interface) pour payer les factures de leur entreprise.",{"type":54,"attrs":4121,"content":4122},{"textAlign":65},[4123],{"text":4124,"type":69},"En utilisant ces outils, ils pourraient cependant suivre leurs factures au jour le jour, ce qui serait particulièrement crucial pour les entreprises travaillant dans les secteurs industriels et de la construction qui ont parfois du mal à maintenir une bonne visibilité dans ce domaine (12 % reconnaissent ne pas avoir une bonne visibilité de leurs dates d'échéance de paiement et du statut de paiement de leurs factures entrantes et sortantes).",{"type":54,"attrs":4126,"content":4127},{"textAlign":65},[4128],{"text":4129,"type":69},"Outre les avantages comptables réels, le fait d'utiliser un environnement de facturation numérique pourrait garantir que les micro-entreprises et PME luxembourgeoises sont conformes à l'obligation imminente d'émettre des factures électroniques structurées à partir de 2022 pour leurs échanges avec les organismes du secteur public.",{"type":1427,"content":4131},[4132],{"type":54,"attrs":4133,"content":4134},{"textAlign":65},[4135],{"text":4136,"type":69},"Aujourd'hui, cette enquête confirme les retours de nos équipes sur le terrain : seule une minorité de micro-entreprises et PME sont prêtes pour la transition du 1er juillet 2022 et de nombreux dirigeants ne sont pas conscients de l'imminence de cette obligation légale d'utiliser la facturation électronique structurée. Outre la contrainte technique liée à la facturation, il y a un réel désir de trouver des solutions simples et tout-en-un adaptées aux besoins des micro-entreprises et PME au Luxembourg, leur permettant de gérer leurs tâches administratives simplement dans le Cloud.",{"type":1427,"content":4138},[4139],{"type":54,"attrs":4140,"content":4141},{"textAlign":65},[4142,4144],{"text":4143,"type":69},"Le groupe Banqup, coté en bourse et leader européen des solutions automatisées dans la digitalisation des documents et la gestion financière pour les grands groupes européens, s'engage à mettre ses 20 ans d'expérience au service des micro-entreprises et PME luxembourgeoises afin de les accompagner dans cette étape importante de la digitalisation de leur entreprise. ",{"text":4145,"type":69,"marks":4146},"Responsable Partenariats.",[4147],{"type":72},{"type":54,"attrs":4149,"content":4150},{"textAlign":65},[4151,4153,4160,4162,4169],{"text":4152,"type":69},"Jetez un œil à ",{"text":4154,"type":69,"marks":4155},"nos chiffres clés",[4156],{"type":106,"attrs":4157},{"href":4158,"uuid":65,"anchor":65,"custom":4159,"target":111,"linktype":15},"https://a.storyblok.com/f/318078/x/704ae90702/banqup-luxembourg-press-release-fr-26102021.pdf",{},{"text":4161,"type":69}," et téléchargez le ",{"text":4163,"type":69,"marks":4164},"communiqué de presse",[4165],{"type":106,"attrs":4166},{"href":4167,"uuid":65,"anchor":65,"custom":4168,"target":111,"linktype":15},"https://a.storyblok.com/f/318078/x/79f0e7fcfb/banqup-luxembourg-general-press-release-fr-25102021.pdf",{},{"text":770,"type":69},{"type":54,"attrs":4171},{"textAlign":65},{"type":62,"attrs":4173,"content":4174},{"level":133,"textAlign":65},[4175],{"text":4176,"type":69},"Groupe Banqup, leader européen des solutions automatisées dans la digitalisation des documents et principal fournisseur de services de paiement",{"type":54,"attrs":4178,"content":4179},{"textAlign":65},[4180],{"text":4181,"type":69},"Banqup est une plateforme leader basée sur le cloud pour les services aux entreprises des PME, construite sur les piliers \"Documents\", \"Identité\" et \"Paiements\". Banqup exploite et développe une plateforme entièrement basée sur le cloud pour les services administratifs et financiers qui permet des connexions en temps réel et sans couture entre les clients de Banqup, leurs fournisseurs, leurs clients et d'autres parties le long de la chaîne de valeur financière. Avec ses solutions tout-en-un, la mission de Banqup est de rendre les processus administratifs et financiers simples et intelligents pour ses clients. Depuis sa création en 2001, Banqup a connu une croissance significative, s'étendant à des bureaux dans 30 pays, avec plus de 400 millions de documents traités en 2020, touchant plus de 980 000 PME et plus de 2 500 grandes entreprises sur sa plateforme aujourd'hui.",{"type":54,"attrs":4183},{"textAlign":65},{"type":62,"attrs":4185,"content":4186},{"level":133,"textAlign":65},[4187],{"text":4188,"type":69},"Contact presse",{"type":54,"attrs":4190,"content":4191},{"textAlign":65},[4192],{"text":4193,"type":69,"marks":4194},"Groupe GET - Agence de communication",[4195],{"type":72},{"type":54,"attrs":4197,"content":4198},{"textAlign":65},[4199],{"text":4200,"type":69},"Julien Beck",{"type":54,"attrs":4202,"content":4203},{"textAlign":65},[4204],{"text":4205,"type":69},"+ 352 20 60 12 12",{"type":54,"attrs":4207,"content":4208},{"textAlign":65},[4209],{"text":4210,"type":69},"jbe@groupeget.com",{"type":54,"attrs":4212,"content":4213},{"textAlign":65},[4214],{"text":4215,"type":69},"35, Rue de la Libération",{"type":54,"attrs":4217,"content":4218},{"textAlign":65},[4219],{"text":4220,"type":69},"L-3510 Dudelange, Luxembourg",{"type":54,"attrs":4222},{"textAlign":65},{"type":54,"attrs":4224,"content":4225},{"textAlign":65},[4226],{"text":4227,"type":69,"marks":4228},"Enquête réalisée par OpinionWay par le biais d'entretiens téléphoniques avec 200 directeurs d'entreprises représentatives des micro-entreprises et PME luxembourgeoises comptant entre 0 et 19 employés dans les secteurs industriel (14%), du commerce de détail (29%) et des services (57%). Le panel par taille d'entreprise : 51% sans employé, 32% avec 1 à 4 employés, 17% avec 5 à 19 employés. Les entretiens ont été menés du 19 au 29 juillet 2021. Pour plus d'informations, n'hésitez pas à contacter le service de communication de Banqup. Toute publication totale ou partielle doit impérativement inclure la mention complète suivante : \"Enquête OpinionWay pour Banqup\" et aucune partie de l'enquête ne peut être dissociée de cette mention.",[4229],{"type":1443},{"_uid":4231,"cards":4232,"buttons":4237,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4238},"0572d27f-971e-47b1-a4a8-87b8b7fa5fd6",[4233,4234,4235,4236],"4321c229-6ecf-43d8-9cc5-07cbe825baa4","39a6a8ef-0311-4e22-86d0-f6722eb3d060","75b8a961-c128-4cc2-8ea6-997ea8bee673","e451b414-f5ca-4419-815a-2fb2318391ee",[],{"type":51,"content":4239},[4240],{"type":54},{"id":4242,"alt":4003,"name":8,"focus":8,"title":4003,"source":8,"filename":4243,"copyright":8,"fieldtype":15,"meta_data":4244,"is_external_url":17},91455556948080,"https://a.storyblok.com/f/318078/1032x601/17f751864d/64414ce8f637e2311b5d78da_blog-luxembourg-update-sept-2022_website.jpg",{"alt":4003,"title":4003,"source":8,"copyright":8},[],[],{"type":51,"content":4248},[4249],{"type":54,"attrs":4250,"content":4251},{"textAlign":65},[4252],{"text":4253,"type":69},"Le 1er juillet 2022, toutes les entreprises luxembourgeoises seront légalement tenues de passer progressivement à la facturation électronique et d’émettre des factures structurées.",[2047,3049,3053],"Le 1er juillet 2022, toutes les entreprises luxembourgeoises seront légalement tenues de passer progressivement à la facturation électronique et d'émettre des factures structurées.",[4257],"Luxembourg","mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready-","fr/resources/blog/mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready-","2021-10-26",-2090,[],"203bbb9c-0840-4791-95a5-67ee6e1b113e","2021-10-26T13:14:00.000Z",[],"resources/blog/mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready-",[4268,4269,4270],{"path":4266,"name":65,"lang":522,"published":65},{"path":4266,"name":65,"lang":515,"published":65},{"path":4271,"name":4272,"lang":527,"published":56},"informationen/blog/e-rechnungspflicht-sind-luxemburgs-kleinstunternehmen-und-kmu-bereit","E-Rechnungspflicht: Sind Luxemburgs Kleinstunternehmen und KMU bereit?",[],{"type":51,"content":4275},[4276],{"type":54},{"id":4278,"alt":3254,"name":8,"focus":8,"title":3254,"source":8,"filename":4279,"copyright":8,"fieldtype":15,"meta_data":4280,"is_external_url":17},91486763055171,"https://a.storyblok.com/f/318078/640x320/842856aa00/643ea0dd0572c4ea1609b7a7_2017-startup-fintech-company-facturis-and-the-traditional-bank.png",{"alt":3254,"title":3254,"source":8,"copyright":8},[],[],{"type":51,"content":4284},[4285],{"type":54,"attrs":4286,"content":4287},{"textAlign":65},[4288],{"text":4289,"type":69},"Dans cette interview, Nico Ten Wolde, PDG de Facturis, en dit plus sur les développements dans le monde de la technologie financière (FinTech).",[3031],[],"startup-fintech-company-facturis-and-the-traditional-bank-how-do-they-do-it-","fr/resources/blog/startup-fintech-company-facturis-and-the-traditional-bank-how-do-they-do-it-","2017-08-22",-2350,[],"0f5a2e57-b6ae-4ebe-a663-ac237800be5a","2017-08-22T15:21:00.000Z",[],"resources/blog/startup-fintech-company-facturis-and-the-traditional-bank-how-do-they-do-it-",[4302,4303,4304],{"path":4300,"name":65,"lang":522,"published":65},{"path":4300,"name":65,"lang":515,"published":65},{"path":4305,"name":4306,"lang":527,"published":56},"informationen/blog/fintech-startup-facturis-und-die-traditionsbank-wie-machen-sie-das","FinTech-Startup Facturis und die Traditionsbank: Wie machen sie das?","15d23789-807d-4b05-b0a8-e5d7397987b0",{"name":3696,"created_at":3697,"published_at":3698,"updated_at":3699,"id":3700,"uuid":3701,"content":4309,"slug":3833,"full_slug":3834,"sort_by_date":3835,"position":3836,"tag_list":4811,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":3838,"first_published_at":3839,"release_id":65,"lang":515,"path":65,"alternates":4812,"default_full_slug":3841,"translated_slugs":4813,"_stopResolving":56},{"seo":4310,"_uid":3707,"body":4311,"image":4799,"theme":8,"title":3818,"author":4801,"related":4802,"summary":4803,"category":4809,"component":2049,"createdOn":8,"description":3829,"relatedCountries":4810,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3704,"title":3705,"plugin":34,"description":3706},[4312,4319,4387],{"_uid":3710,"align":8,"image":4313,"theme":49,"buttons":4315,"columns":644,"heading":3716,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4316,"invertTextColor":56},{"id":3712,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3713,"copyright":8,"fieldtype":15,"meta_data":4314,"is_external_url":17},{},[],{"type":51,"content":4317},[4318],{"type":54},{"_uid":3721,"text":4320,"component":506,"background":49},{"type":51,"content":4321},[4322,4326,4330,4338,4340,4346,4350,4354,4363,4367,4369,4375,4379,4383],{"type":54,"attrs":4323,"content":4324},{"textAlign":65},[4325],{"text":3728,"type":69},{"type":54,"attrs":4327,"content":4328},{"textAlign":65},[4329],{"text":3733,"type":69},{"type":1427,"content":4331},[4332],{"type":54,"attrs":4333,"content":4334},{"textAlign":65},[4335],{"text":3740,"type":69,"marks":4336},[4337],{"type":1443},{"type":54,"attrs":4339},{"textAlign":65},{"type":62,"attrs":4341,"content":4342},{"level":64,"textAlign":65},[4343],{"text":3749,"type":69,"marks":4344},[4345],{"type":72},{"type":54,"attrs":4347,"content":4348},{"textAlign":65},[4349],{"text":3756,"type":69},{"type":54,"attrs":4351,"content":4352},{"textAlign":65},[4353],{"text":3761,"type":69},{"type":54,"attrs":4355,"content":4356},{"textAlign":65},[4357,4358,4362],{"text":3766,"type":69},{"text":3768,"type":69,"marks":4359},[4360],{"type":106,"attrs":4361},{"href":3772,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},{"text":3774,"type":69},{"type":54,"attrs":4364,"content":4365},{"textAlign":65},[4366],{"text":3779,"type":69},{"type":54,"attrs":4368},{"textAlign":65},{"type":62,"attrs":4370,"content":4371},{"level":64,"textAlign":65},[4372],{"text":3786,"type":69,"marks":4373},[4374],{"type":72},{"type":54,"attrs":4376,"content":4377},{"textAlign":65},[4378],{"text":3793,"type":69},{"type":54,"attrs":4380,"content":4381},{"textAlign":65},[4382],{"text":3798,"type":69},{"type":54,"attrs":4384,"content":4385},{"textAlign":65},[4386],{"text":3803,"type":69},{"_uid":3805,"cards":4388,"buttons":4795,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4796},[4389,4518,4691,3809],{"name":4390,"created_at":4391,"published_at":4392,"updated_at":4393,"id":4394,"uuid":3807,"content":4395,"slug":4503,"full_slug":4504,"sort_by_date":4505,"position":4506,"tag_list":4507,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4508,"first_published_at":4509,"release_id":65,"lang":515,"path":65,"alternates":4510,"default_full_slug":4511,"translated_slugs":4512,"_stopResolving":56},"Why is bank independency important?","2025-09-16T10:28:03.304Z","2026-07-24T13:05:49.589Z","2026-07-24T13:05:49.613Z",91459106050291,{"seo":4396,"_uid":4400,"body":4401,"image":4487,"theme":8,"title":4409,"author":4491,"related":4492,"summary":4493,"category":4500,"component":2049,"createdOn":8,"description":4501,"relatedCountries":4502,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4397,"title":4398,"plugin":34,"description":4399},"dc830437-d9fd-4f2c-97e5-d4902ea33811","Why is Bank Independency Important? | Blog - Banqup","As financial technologies develop, bank independency is something more and more companies adopt. Discover the importance here.","43c0dc50-81df-4f41-aedd-2c5b9933df3d",[4402,4413,4477],{"_uid":4403,"align":8,"image":4404,"theme":49,"buttons":4408,"columns":644,"heading":4409,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4410,"invertTextColor":56},"921e28f6-5abb-471d-be0b-617d16498557",{"id":4405,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4406,"copyright":8,"fieldtype":15,"meta_data":4407,"is_external_url":17},94996741192651,"https://a.storyblok.com/f/318078/1925x510/294acbb1d8/why-is-bank-independency-important.png",{},[],"Pourquoi l'indépendance des banques est-elle importante ?",{"type":51,"content":4411},[4412],{"type":54},{"_uid":4414,"text":4415,"component":506,"background":49},"1e90ab6d-c4fe-4ba1-a7dc-49b1ffd26f09",{"type":51,"content":4416},[4417,4422,4427,4429,4434,4439,4444,4446,4451,4456,4462,4467,4472],{"type":54,"attrs":4418,"content":4419},{"textAlign":65},[4420],{"text":4421,"type":69},"Qu'est-ce que l'indépendance bancaire et pourquoi est-elle importante ? Nous examinons ce que signifie l'indépendance bancaire en termes de flux financiers et pourquoi les entreprises devraient en tenir compte.",{"type":54,"attrs":4423,"content":4424},{"textAlign":65},[4425],{"text":4426,"type":69},"À mesure que les technologies financières se développent, l'indépendance bancaire est quelque chose que de plus en plus d'entreprises adoptent. L'indépendance bancaire signifie non seulement que les flux financiers sont gérés en ligne et nécessitent moins d'interventions manuelles (traitement automatisé), mais aussi le fait de ne pas avoir à dépendre des services fournis par la banque où le compte est détenu est également important lorsqu'il s'agit d'indépendance bancaire. Quelques éléments mentionnés ci-dessous soulignent l'importance d'être, ou de devenir, indépendant(e) vis-à-vis des banques.",{"type":54,"attrs":4428},{"textAlign":65},{"type":62,"attrs":4430,"content":4431},{"level":64,"textAlign":65},[4432],{"text":4433,"type":69},"Le paysage changeant",{"type":54,"attrs":4435,"content":4436},{"textAlign":65},[4437],{"text":4438,"type":69},"Depuis la crise économique, le paysage bancaire est devenu un environnement plus dynamique. En plus des banques faisant faillite, nous avons également vu des banques se retirer de certaines zones géographiques ou secteurs d'activité. Cela a donné des maux de tête aux directeurs financiers du secteur des entreprises qui ont dû trouver une autre banque et \"déplacer\" leurs activités. Un bon exemple d'un changement (soudain) du paysage financier est le Brexit. Sans savoir ce que le Brexit apportera dans cette perspective, une chose que nous savons est que le changement du paysage bancaire est là pour rester.",{"type":54,"attrs":4440,"content":4441},{"textAlign":65},[4442],{"text":4443,"type":69},"Lorsque l'utilisation d'outils, de produits ou d'instruments indépendants des banques ne résout pas le problème de trouver une autre banque, cela évite cependant de devoir démarrer un projet long et fastidieux pour changer les applications utilisées dans les différents processus financiers. L'indépendance vis-à-vis des banques deviendra de plus en plus courante à mesure que le paysage bancaire continue d'évoluer.",{"type":54,"attrs":4445},{"textAlign":65},{"type":62,"attrs":4447,"content":4448},{"level":64,"textAlign":65},[4449],{"text":4450,"type":69},"Formats et interfaces",{"type":54,"attrs":4452,"content":4453},{"textAlign":65},[4454],{"text":4455,"type":69},"Une autre bonne raison d'utiliser des solutions indépendantes des banques est de ne pas se retrouver dans une situation d'enfermement, notamment en ce qui concerne les formats de fichiers et les interfaces. Alors que les formats locaux ou les interfaces propriétaires peuvent présenter des avantages, ils sont susceptibles d'être modifiés voire remplacés par la banque proposant le service. Récemment, une banque a décidé de supprimer un format de reporting propriétaire. Bien qu'une alternative ait été proposée et que les clients aient eu une période raisonnable pour migrer, beaucoup d'entre eux ont été confrontés à des changements majeurs dans leurs applications métier, nombre d'entre elles étant des systèmes hérités.",{"type":54,"attrs":4457,"content":4458},{"textAlign":65},[4459,4461],{"text":4460,"type":69},"Encore une fois, dans ce cas, l'utilisation d'une solution bancaire indépendante n'empêchera pas le changement, mais une bonne solution ou un bon outil bancaire indépendant offrira la flexibilité nécessaire pour gérer ce type de changement en dehors du domaine informatique de l'entreprise. Il s'agit toujours d'un projet, mais avec moins d'impact sur l'organisation. En utilisant des instruments entièrement indépendants des banques (par exemple, MT101), le nombre de changements est limité au strict minimum et en cas de conformité, cela sera toujours pris en charge par le fournisseur dans le cadre de son service.",{"type":79},{"type":62,"attrs":4463,"content":4464},{"level":64,"textAlign":65},[4465],{"text":4466,"type":69},"Économies de coûts",{"type":54,"attrs":4468,"content":4469},{"textAlign":65},[4470],{"text":4471,"type":69},"Enfin, une solution bancaire indépendante permettra d'économiser des coûts. Bien sûr, il y a une considération d'investissement concernant une solution bancaire indépendante, mais en examinant le cas commercial, les avantages de ne pas avoir à gérer les changements dus à la conformité ou aux évolutions technologiques créeront dans la plupart des cas un point mort quelque part dans la deuxième année.",{"type":54,"attrs":4473,"content":4474},{"textAlign":65},[4475],{"text":4476,"type":69},"Des études de cas récentes de clients ont même montré une diminution significative des coûts dès la première année simplement en ne modifiant pas leur production à partir de leurs applications créant des instructions de paiement lors de l'expansion de leur entreprise vers d'autres régions en utilisant de nouvelles banques locales. En soi, ce n'est pas un mauvais investissement, même en laissant de côté les avantages non qualifiés de l'indépendance bancaire.",{"_uid":4478,"cards":4479,"buttons":4483,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4484},"4e394059-1dfe-4a81-9522-8f86819bc634",[3963,4480,4481,4236,4482],"9cc9ab5b-7278-452d-a9cc-0341b1df88eb","39713446-e75e-4ea4-bcd3-a0e638a89730","a9e8392a-e123-4af2-b423-23422fb37685",[],{"type":51,"content":4485},[4486],{"type":54},{"id":4488,"alt":4390,"name":8,"focus":8,"title":4390,"source":8,"filename":4489,"copyright":8,"fieldtype":15,"meta_data":4490,"is_external_url":17},91459236041005,"https://a.storyblok.com/f/318078/1032x600/67106addfb/644104d47a88a16a6e23cbc4_blog-why-is-bank-independency-important.jpg",{"alt":4390,"title":4390,"source":8,"copyright":8},[],[],{"type":51,"content":4494},[4495],{"type":54,"attrs":4496,"content":4497},{"textAlign":65},[4498],{"text":4499,"type":69},"Que signifie l’indépendance bancaire et pourquoi est-elle importante ? Nous approfondissons les détails et expliquons pourquoi les entreprises devraient y prêter attention.",[3043],"Qu'est-ce que l'indépendance bancaire et pourquoi est-elle importante ? Nous examinons les détails et expliquons pourquoi les entreprises devraient en tenir compte.",[],"why-is-bank-independency-important-","fr/resources/blog/why-is-bank-independency-important-","2017-07-05",-2130,[],"c7c90be8-f97b-4f76-833b-b1c4517bb5a1","2017-07-05T13:29:00.000Z",[],"resources/blog/why-is-bank-independency-important-",[4513,4514,4515],{"path":4511,"name":65,"lang":522,"published":65},{"path":4511,"name":65,"lang":515,"published":65},{"path":4516,"name":4517,"lang":527,"published":56},"informationen/blog/warum-ist-bankenunabhaengigkeit-wichtig","Warum ist Bankenunabhängigkeit wichtig?",{"name":4519,"created_at":4520,"published_at":4521,"updated_at":4522,"id":4523,"uuid":3655,"content":4524,"slug":4676,"full_slug":4677,"sort_by_date":4678,"position":4679,"tag_list":4680,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4681,"first_published_at":4682,"release_id":65,"lang":515,"path":65,"alternates":4683,"default_full_slug":4684,"translated_slugs":4685,"_stopResolving":56},"Why is e-invoicing not the same as a PDF?","2025-09-16T10:20:02.275Z","2026-07-24T13:06:18.516Z","2026-07-24T13:06:18.542Z",91457135760712,{"seo":4525,"_uid":4529,"body":4530,"image":4660,"theme":8,"title":4538,"author":4664,"related":4665,"summary":4666,"category":4673,"component":2049,"createdOn":8,"description":4674,"relatedCountries":4675,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4526,"title":4527,"plugin":34,"description":4528},"65368c93-4a9c-433d-8e9b-bd6f0c4b397b","Are E-invoices and PDFs the Same? | Blog - Banqup","Discover the main differences between an electronic invoice and a PDF and discover why many businesses are transitioning to electronic invoices for more efficient business processes.","4f5ae7e2-d1e6-4f4a-a072-c8c6dfb91505",[4531,4542,4652],{"_uid":4532,"align":8,"image":4533,"theme":49,"buttons":4537,"columns":644,"heading":4538,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4539,"invertTextColor":56},"45073a7c-87d8-4a88-8d5a-683929eb5c8e",{"id":4534,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4535,"copyright":8,"fieldtype":15,"meta_data":4536,"is_external_url":17},94995974269808,"https://a.storyblok.com/f/318078/1925x510/7de685fff6/why-is-e-invoicing-not-the-same-as-a-pdf.png",{},[],"Pourquoi la facturation électronique n'est-elle pas la même qu'un PDF ?",{"type":51,"content":4540},[4541],{"type":54},{"_uid":4543,"text":4544,"component":506,"background":49},"8caec780-c626-463f-be73-2db00b1e2144",{"type":51,"content":4545},[4546,4551,4556,4561,4563,4568,4573,4578,4584,4589,4594,4599,4601,4606,4611,4616,4618,4623,4637],{"type":54,"attrs":4547,"content":4548},{"textAlign":65},[4549],{"text":4550,"type":69},"Beaucoup pensent que les factures électroniques et les PDF sont simplement la même chose. Mais ce n'est pas le cas. Cependant, la facturation électronique va au-delà de cela. Jetez un œil aux principales différences ci-dessous et découvrez les avantages de la facturation électronique pour votre entreprise. ",{"type":54,"attrs":4552,"content":4553},{"textAlign":65},[4554],{"text":4555,"type":69},"Lorsqu'ils entendent le terme de facturation électronique, les entreprises pensent souvent qu'il s'agit d'envoyer des factures par e-mail. Non seulement l'envoi de la facture fait partie de ce processus, mais également la réservation électronique, le paiement et la collecte de l'argent. La facturation électronique permet de réaliser des économies importantes, tant pour l'expéditeur que pour le destinataire. Comme la facturation électronique numérise le processus de facturation à la fois pour l'expéditeur et le destinataire, une facture au format PDF n'est pas considérée comme une facturation électronique.",{"type":54,"attrs":4557,"content":4558},{"textAlign":65},[4559],{"text":4560,"type":69},"Lors de la réception d'un PDF, le destinataire doit encore, avec ou sans l'aide d'un logiciel OCR, saisir manuellement les données dans un système ou les corriger. Dans le cas de la facturation électronique, le destinataire reçoit toutes les données électroniquement, ce qui peut être automatisé avec leurs systèmes comptables. La saisie manuelle n'est plus nécessaire et le contrôle du contenu de la facture peut être automatisé.",{"type":54,"attrs":4562},{"textAlign":65},{"type":62,"attrs":4564,"content":4565},{"level":64,"textAlign":65},[4566],{"text":4567,"type":69},"Automatisé",{"type":54,"attrs":4569,"content":4570},{"textAlign":65},[4571],{"text":4572,"type":69},"Lorsqu'un expéditeur décide d'opter pour la facturation électronique (e-facturation) au lieu d'envoyer simplement un PDF, cela apporte de nombreux avantages pour l'entrepreneur. Tout d'abord, la facturation électronique est comme un courrier recommandé mais plus rapide. Vous savez toujours avec certitude que la facture a été reçue et vous êtes toujours informé à ce sujet. Étant donné que le délai de paiement commence généralement au moment où la facture est enregistrée, la facture électronique peut raccourcir le délai de paiement de quelques jours.",{"type":54,"attrs":4574,"content":4575},{"textAlign":65},[4576],{"text":4577,"type":69},"Sans intervention du service postal ou des salles de courrier ou d'autres départements internes, la facture électronique arrive directement dans le système financier du destinataire. Des rappels peuvent être envoyés automatiquement et des options de paiement peuvent être intégrées dans la facture ou le rappel. Les factures électroniques peuvent être simplement archivées numériquement, ce qui les rend faciles à trouver et ainsi toujours accessibles au sein de l'organisation.",{"type":54,"attrs":4579,"content":4580},{"textAlign":65},[4581,4583],{"text":4582,"type":69},"Avec la facturation électronique, vous êtes prêt pour l'avenir. Ce n'est qu'une question de temps avant que les destinataires ne veuillent plus recevoir les factures d'une autre manière. Le gouvernement (néerlandais) a même rendu la facturation électronique (donc pas les PDF) obligatoire à partir du 1er janvier.",{"type":79},{"type":62,"attrs":4585,"content":4586},{"level":64,"textAlign":65},[4587],{"text":4588,"type":69},"Méthode de facturation électronique",{"type":54,"attrs":4590,"content":4591},{"textAlign":65},[4592],{"text":4593,"type":69},"Les factures papier et les factures PDF envoyées par e-mail sont le plus souvent directement échangées entre deux parties. Bien sûr, c'est également le cas avec les factures électroniques. Dans ce modèle dit \"à deux coins\", deux parties prennent des dispositions sur le format de la facture électronique qu'elles utilisent et sur la connexion technique.",{"type":54,"attrs":4595,"content":4596},{"textAlign":65},[4597],{"text":4598,"type":69},"Cependant, il existe de nombreux formats différents dans le monde de la facturation électronique et cette variété a une fonction. Un format (norme de facturation) reflète souvent les besoins spécifiques d'un secteur ou d'une collaboration. Chaque secteur a son propre processus de commande et de facturation, de sorte qu'un format unique peut même être indésirable.",{"type":54,"attrs":4600},{"textAlign":65},{"type":62,"attrs":4602,"content":4603},{"level":64,"textAlign":65},[4604],{"text":4605,"type":69},"Fournisseur de services de facturation",{"type":54,"attrs":4607,"content":4608},{"textAlign":65},[4609],{"text":4610,"type":69},"Dans le modèle à trois coins, un fournisseur de services de facturation soulage à la fois l'expéditeur et le destinataire dans le processus de facturation. L'expéditeur qui utilise ses propres normes sectorielles, le fournisseur de services de facturation s'assure que la facture parvient au destinataire dans le bon format. De préférence électronique, mais l'e-mail ou le courrier postal sont également optionnels.",{"type":54,"attrs":4612,"content":4613},{"textAlign":65},[4614],{"text":4615,"type":69},"Un autre avantage pour l'expéditeur est qu'il n'y a qu'un seul lien technique à réaliser avec le fournisseur de services de facturation. Le fournisseur de services de facturation se charge de différents liens du côté du destinataire. En traduisant différents formats, le fournisseur de services de facturation s'assure que le destinataire reçoit toutes ses factures électroniquement de la même manière et que l'authenticité et l'intégrité de la facture sont déterminées correctement. Les fournisseurs de services de facturation disposent d'un vaste réseau et concluent des accords avec des systèmes comptables (importants).",{"type":54,"attrs":4617},{"textAlign":65},{"type":62,"attrs":4619,"content":4620},{"level":64,"textAlign":65},[4621],{"text":4622,"type":69},"Simple avec de grands avantages",{"type":54,"attrs":4624,"content":4625},{"textAlign":65},[4626,4628,4635],{"text":4627,"type":69},"En utilisant un ",{"text":4629,"type":69,"marks":4630},"fournisseur de services de facturation",[4631],{"type":106,"attrs":4632},{"href":4633,"uuid":1876,"anchor":65,"custom":4634,"target":111,"linktype":112},"/",{},{"text":4636,"type":69},", les entreprises peuvent facilement échanger des factures électroniques directement avec de nombreux fournisseurs de différents secteurs et fournisseurs. Cela nécessite un lien (configuration unique) entre le système comptable et la plateforme du fournisseur de services. Les petites entreprises peuvent également utiliser un portail web pour envoyer et recevoir des factures électroniques.",{"type":54,"attrs":4638,"content":4639},{"textAlign":65},[4640,4642,4650],{"text":4641,"type":69},"Jetez un œil à Banqup Group et ses ",{"text":4643,"type":69,"marks":4644},"solutions de facturation électronique",[4645],{"type":106,"attrs":4646},{"href":4647,"uuid":4648,"anchor":65,"custom":4649,"target":111,"linktype":112},"/solutions/compliance-management/e-invoicing","cf8e6f0a-0b57-42a9-bf71-017f2fd15474",{},{"text":4651,"type":69}," et découvrez les avantages que le processus numérique peut créer pour votre entreprise.",{"_uid":4653,"cards":4654,"buttons":4656,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4657},"c45b9ec7-2d4e-4c57-afa7-13601b4f6994",[4235,4234,4655,4236],"1618ccc5-af15-4c14-802a-2e6afdbfe639",[],{"type":51,"content":4658},[4659],{"type":54},{"id":4661,"alt":4519,"name":8,"focus":8,"title":4519,"source":8,"filename":4662,"copyright":8,"fieldtype":15,"meta_data":4663,"is_external_url":17},91457618297055,"https://a.storyblok.com/f/318078/1032x600/360bf2e7e6/644005210369a927e18a4aa4_blog-why-is-e-invoicing-not-the-same-as-a-pdf.jpg",{"alt":4519,"title":4519,"source":8,"copyright":8},[],[],{"type":51,"content":4667},[4668],{"type":54,"attrs":4669,"content":4670},{"textAlign":65},[4671],{"text":4672,"type":69},"Beaucoup pensent que les factures électroniques et les PDF sont simplement la même chose. 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Discover more and explore New Zealand’s e-invoicing initiatives.","35837e66-82e8-4d37-973c-ca6fe0da5b39",[4831,4842,4974],{"_uid":4832,"align":8,"image":4833,"theme":49,"buttons":4837,"columns":644,"heading":4838,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4839,"invertTextColor":56},"59c1a53e-4f91-4641-af4b-4bc88c75f45b",{"id":4834,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4835,"copyright":8,"fieldtype":15,"meta_data":4836,"is_external_url":17},96036103877233,"https://a.storyblok.com/f/318078/1925x510/5cb12dcfd1/unifiedpost-group-is-now-an-accredited-new-zealand-peppol-access-point.png",{},[],"Le groupe Banqup est désormais un point d'accès Peppol accrédité en Nouvelle-Zélande.",{"type":51,"content":4840},[4841],{"type":54},{"_uid":4843,"text":4844,"component":506,"background":49},"fe7ba5ca-b270-4265-af4a-c773a6df418f",{"type":51,"content":4845},[4846,4851,4853,4858,4863,4868,4889,4891,4896,4909,4922,4935,4937,4942,4961],{"type":54,"attrs":4847,"content":4848},{"textAlign":65},[4849],{"text":4850,"type":69},"Nous sommes fiers d'annoncer que le groupe Banqup est un fournisseur agréé de point d'accès Peppol en Nouvelle-Zélande.",{"type":54,"attrs":4852},{"textAlign":65},{"type":62,"attrs":4854,"content":4855},{"level":64,"textAlign":65},[4856],{"text":4857,"type":69},"L'utilisation de Peppol en Nouvelle-Zélande",{"type":54,"attrs":4859,"content":4860},{"textAlign":65},[4861],{"text":4862,"type":69},"La Nouvelle-Zélande a adopté Peppol en 2019, lorsque le ministère du Commerce, de l'Innovation et de l'Emploi (MBIE) est devenu une autorité Peppol.",{"type":54,"attrs":4864,"content":4865},{"textAlign":65},[4866],{"text":4867,"type":69},"La Nouvelle-Zélande suit la même initiative Peppol adoptée par d'autres pays non européens tels que l'Australie et Singapour. Peppol a d'abord commencé comme un réseau européen, mais s'étend désormais à l'échelle mondiale.",{"type":54,"attrs":4869,"content":4870},{"textAlign":65},[4871,4873,4887],{"text":4872,"type":69},"Découvrez-en plus sur Peppol via notre site web. ",{"text":4874,"type":69,"marks":4875},"Qu'est-ce que Peppol ?",[4876],{"type":106,"attrs":4877},{"href":4878,"uuid":4879,"anchor":65,"custom":4880,"target":111,"linktype":112,"story":4881},"/resources/blog/what-is-peppol-","491a1825-3c21-4ec0-8c66-063c98a3c8cf",{},{"name":4882,"id":4883,"uuid":4879,"slug":4884,"url":4885,"full_slug":4886,"_stopResolving":56},"What is Peppol?",92127203173419,"what-is-peppol-","resources/blog/what-is-peppol-","fr/resources/blog/what-is-peppol-",{"text":4888,"type":69}," ",{"type":54,"attrs":4890},{"textAlign":65},{"type":62,"attrs":4892,"content":4893},{"level":64,"textAlign":65},[4894],{"text":4895,"type":69},"Les initiatives de facturation électronique de la Nouvelle-Zélande",{"type":54,"attrs":4897,"content":4898},{"textAlign":65},[4899,4901,4907],{"text":4900,"type":69},"La Nouvelle-Zélande a déjà franchi les premières étapes vers l'obligation de ",{"text":3459,"type":69,"marks":4902},[4903],{"type":106,"attrs":4904},{"href":3137,"uuid":3138,"anchor":65,"custom":4905,"target":111,"linktype":112,"story":4906},{},{"name":3141,"id":3142,"uuid":3138,"slug":3143,"url":3144,"translated_name":3145,"full_slug":3146,"_stopResolving":56},{"text":4908,"type":69},". À partir du 31 mars 2022, les agences gouvernementales centrales devaient être en mesure de recevoir des factures sous format électronique via le réseau Peppol, affectant ainsi toutes les transactions B2G.",{"type":54,"attrs":4910,"content":4911},{"textAlign":65},[4912,4914,4920],{"text":4913,"type":69},"En juillet 2021, le pays a fixé des objectifs de mise en œuvre de la facturation électronique pour les agences gouvernementales centrales. D'ici juillet 2026, le pays souhaite que 90 % de toutes les factures B2G soient électroniques. ",{"text":4915,"type":69,"marks":4916},"6 580 entreprises néo-zélandaises",[4917],{"type":106,"attrs":4918},{"href":4919,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://www.einvoicing.govt.nz/#:~:text=The%20New%20Zealand%20government%20is,savings%20through%20reduced%20processing%20costs.#:~:text=The%20New%20Zealand%20government%20is,savings%20through%20reduced%20processing%20costs.#",{"text":4921,"type":69}," sont déjà inscrits pour recevoir des factures électroniques, et les chiffres ne cessent d'augmenter.",{"type":54,"attrs":4923,"content":4924},{"textAlign":65},[4925,4927,4933],{"text":4926,"type":69},"Les entreprises de Nouvelle-Zélande échangent ",{"text":4928,"type":69,"marks":4929},"280 millions de factures commerciales",[4930],{"type":106,"attrs":4931},{"href":4932,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://www.einvoicing.govt.nz/large-businesses-and-government/",{"text":4934,"type":69}," sur une base annuelle. Le gouvernement prévoit que le passage aux factures électroniques au cours des 10 prochaines années permettra d'économiser plus de 4 milliards de dollars pour l'économie.",{"type":54,"attrs":4936},{"textAlign":65},{"type":62,"attrs":4938,"content":4939},{"level":64,"textAlign":65},[4940],{"text":4941,"type":69},"Banqup Group en tant que point d'accès Peppol certifié",{"type":54,"attrs":4943,"content":4944},{"textAlign":65},[4945,4947,4959],{"text":4946,"type":69},"Le groupe Banqup est un point d'accès Peppol certifié dans de nombreux pays du monde. ",{"text":4948,"type":69,"marks":4949},"Solution de facturation électronique",[4950],{"type":106,"attrs":4951},{"href":4647,"uuid":4648,"anchor":65,"custom":4952,"target":111,"linktype":112,"story":4953},{},{"name":4954,"id":4955,"uuid":4648,"slug":4956,"url":4957,"translated_name":3133,"full_slug":4958,"_stopResolving":56},"E-invoicing",632592499,"e-invoicing","solutions/compliance-management/e-invoicing","fr/solutions/compliance-management/facturation-electronique",{"text":4960,"type":69}," Facilitez la transition vers les processus électroniques et la connexion à Peppol ainsi qu'à plus de 60 portails gouvernementaux d'e-facturation dans le monde pour les entreprises de toutes tailles et de toutes formes.",{"type":54,"attrs":4962,"content":4963},{"textAlign":65},[4964,4966,4972],{"text":4965,"type":69},"Découvrez sur notre site web nos ",{"text":4643,"type":69,"marks":4967},[4968],{"type":106,"attrs":4969},{"href":4647,"uuid":4648,"anchor":65,"custom":4970,"target":111,"linktype":112,"story":4971},{},{"name":4954,"id":4955,"uuid":4648,"slug":4956,"url":4957,"translated_name":3133,"full_slug":4958,"_stopResolving":56},{"text":4973,"type":69}," et les avantages qu'elles peuvent apporter à votre entreprise.",{"_uid":4975,"cards":4976,"buttons":5568,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5569},"d65624b1-1086-497c-b0f7-5d053eb5d28e",[4977,4978,5095,5306],"ebb83a6e-e31b-4642-a71e-4eeda146a3c6",{"name":4979,"created_at":4980,"published_at":4981,"updated_at":4982,"id":4983,"uuid":4984,"content":4985,"slug":5080,"full_slug":5081,"sort_by_date":5082,"position":5083,"tag_list":5084,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":5085,"first_published_at":5086,"release_id":65,"lang":515,"path":65,"alternates":5087,"default_full_slug":5088,"translated_slugs":5089,"_stopResolving":56},"Banqup Group (former Unifiedpost Group) listed on Euronext Brussels","2025-09-16T07:25:14.055Z","2026-07-24T13:09:23.045Z","2026-07-24T13:09:23.064Z",91414175996449,"92de081e-6aa7-4041-8132-67a5586c77cb",{"seo":4986,"_uid":4990,"body":4991,"image":5064,"theme":8,"title":4999,"author":5068,"related":5069,"summary":5070,"category":5077,"component":2049,"createdOn":8,"description":5078,"relatedCountries":5079,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4987,"title":4988,"plugin":34,"description":4989},"c706b393-b79c-4b75-85d5-07575593ed86","We are Listed on Euronext Brussels | Blog - Banqup","On 22 September 2020 Banqup Group listed on the regulated market of Euronext Brussels. Discover the vital news here.","95f5c0d7-5ed7-4841-982b-d21270341464",[4992,5003,5055],{"_uid":4993,"align":8,"image":4994,"theme":49,"buttons":4998,"columns":644,"heading":4999,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":5000,"invertTextColor":56},"4a258989-46b4-415c-988d-c662529969b6",{"id":4995,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4996,"copyright":8,"fieldtype":15,"meta_data":4997,"is_external_url":17},94987287406373,"https://a.storyblok.com/f/318078/1925x510/479484a793/unifiedpost-group-listed-on-euronext-brussels.png",{},[],"Groupe Banqup (anciennement Unifiedpost Group) coté sur Euronext Bruxelles",{"type":51,"content":5001},[5002],{"type":54},{"_uid":5004,"text":5005,"component":506,"background":49},"ef56ee58-bdea-4b0e-a1fb-0d6c98c5800d",{"type":51,"content":5006},[5007,5019,5024,5036,5048],{"type":54,"attrs":5008,"content":5009},{"textAlign":65},[5010,5012,5018],{"text":5011,"type":69},"Le 22 septembre 2020, le groupe Banqup a été inscrit sur le marché réglementé de ",{"text":5013,"type":69,"marks":5014},"Euronext Bruxelles",[5015],{"type":106,"attrs":5016},{"href":5017,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://live.euronext.com/en/product/equities/BE0974371032-XBRU",{"text":770,"type":69},{"type":54,"attrs":5020,"content":5021},{"textAlign":65},[5022],{"text":5023,"type":69},"La cotation en bourse est une étape importante pour le parcours de croissance future du groupe Banqup en tant qu'entreprise FinTech indépendante.",{"type":54,"attrs":5025,"content":5026},{"textAlign":65},[5027,5029,5035],{"text":5028,"type":69},"Veuillez voir et entendre tout à ce sujet dans ",{"text":5030,"type":69,"marks":5031},"cette vidéo",[5032],{"type":106,"attrs":5033},{"href":5034,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://www.youtube.com/watch?v=dPZm_GxzA14",{"text":770,"type":69},{"type":54,"attrs":5037,"content":5038},{"textAlign":65},[5039,5041,5047],{"text":5040,"type":69},"Pour plus d'informations, veuillez visiter: ",{"text":5042,"type":69,"marks":5043},"Relations avec les investisseurs",[5044],{"type":106,"attrs":5045},{"href":5046,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://investors.unifiedpostgroup.com",{"text":770,"type":69},{"type":54,"attrs":5049,"content":5050},{"textAlign":65},[5051],{"text":5052,"type":69,"marks":5053},"Note de mise en garde concernant les déclarations prospectives : Les déclarations contenues dans le présent document peuvent inclure des perspectives, des attentes futures, des opinions et d’autres déclarations prospectives relatives à la performance future attendue de Banqup et des marchés dans lesquels il est actif. Ces déclarations prospectives sont fondées sur les points de vue et hypothèses actuels de la direction concernant des événements futurs. Par nature, elles impliquent des risques connus et inconnus, des incertitudes et d’autres facteurs qui paraissent justifiés au moment où elles sont formulées mais qui peuvent s’avérer inexacts. Les résultats, performances ou événements réels peuvent donc différer de manière significative de ceux exprimés ou implicites dans ces déclarations prospectives. Sauf si la loi applicable l’exige, Banqup n’assume aucune obligation de mettre à jour, clarifier ou corriger les déclarations prospectives contenues dans ce communiqué de presse à la lumière de nouvelles informations, d’événements futurs ou d’autres éléments, et décline toute responsabilité à cet égard. Le lecteur est averti de ne pas accorder une confiance excessive à ces déclarations prospectives.",[5054],{"type":1443},{"_uid":5056,"cards":5057,"buttons":5060,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5061},"d1b499b5-0f4c-4f8e-91af-45b5365bf4e8",[4977,5058,5059],"3744e4b8-788a-464c-85c2-bfe93856231c","d7de0fd3-7b51-4e79-bb57-c031e0e4019c",[],{"type":51,"content":5062},[5063],{"type":54},{"id":5065,"alt":4979,"name":8,"focus":8,"title":4979,"source":8,"filename":5066,"copyright":8,"fieldtype":15,"meta_data":5067,"is_external_url":17},91414419894466,"https://a.storyblok.com/f/318078/1032x600/b3e3029f27/6448df1a07b1f76706b0d57c_blog-unifiedpost-group-listed-on-euronext-brussels.jpg",{"alt":4979,"title":4979,"source":8,"copyright":8},[],[],{"type":51,"content":5071},[5072],{"type":54,"attrs":5073,"content":5074},{"textAlign":65},[5075],{"text":5076,"type":69},"Le 22 septembre 2020, Banqup Group a été admise à la cote sur le marché réglementé d’Euronext Bruxelles.",[1594,1595],"Le 22 septembre 2020, le groupe Banqup a été inscrit sur le marché réglementé d'Euronext Bruxelles.",[2053],"banqup-group-listed-on-euronext-brussels","fr/resources/blog/banqup-group-listed-on-euronext-brussels","2020-09-22",-1970,[],"c2839066-055e-4d97-b93f-959e6dbc3da8","2020-09-22T10:36:00.000Z",[],"resources/blog/banqup-group-listed-on-euronext-brussels",[5090,5091,5092],{"path":5088,"name":65,"lang":522,"published":65},{"path":5088,"name":65,"lang":515,"published":65},{"path":5093,"name":5094,"lang":527,"published":56},"informationen/blog/die-banqup-group-ist-an-der-euronext-bruessel-notiert","Die Banqup Group ist an der Euronext Brüssel notiert",{"name":5096,"created_at":5097,"published_at":5098,"updated_at":5099,"id":5100,"uuid":5059,"content":5101,"slug":5291,"full_slug":5292,"sort_by_date":5293,"position":5294,"tag_list":5295,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":5296,"first_published_at":5297,"release_id":65,"lang":515,"path":65,"alternates":5298,"default_full_slug":5299,"translated_slugs":5300,"_stopResolving":56},"Is Germany the next EU state to mandate B2B electronic invoicing?","2025-09-15T13:02:39.564Z","2026-07-24T14:44:44.430Z","2026-07-24T14:44:44.461Z",91143207207475,{"seo":5102,"_uid":5106,"body":5107,"image":5274,"theme":8,"title":5115,"author":5278,"related":5280,"summary":5281,"category":5288,"component":2049,"createdOn":8,"description":5289,"relatedCountries":5290,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5103,"title":5104,"plugin":34,"description":5105},"3d203c5f-2b1e-441a-bb4a-0c55550caacf","Germany's B2B E-invoicing Announcement | Blog - Banqup","Germany’s Federal Ministry of Finance is considering the compulsory adoption of electronic invoices for B2B sales within the country. Explore the full details here.","9c522e03-6fc5-4514-8c70-70b7dbe88f70",[5108,5119,5265],{"_uid":5109,"align":8,"image":5110,"theme":49,"buttons":5114,"columns":644,"heading":5115,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":5116,"invertTextColor":56},"d37a5c87-4ff6-45c7-a3c4-a5ca1a5322d8",{"id":5111,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5112,"copyright":8,"fieldtype":15,"meta_data":5113,"is_external_url":17},94986179896968,"https://a.storyblok.com/f/318078/1925x510/4f1f055d7c/is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing.png",{},[],"L'Allemagne est-elle le prochain État de l'UE à rendre obligatoire la facturation électronique B2B ?",{"type":51,"content":5117},[5118],{"type":54},{"_uid":5120,"text":5121,"component":506,"background":49},"cfca67b7-f338-485c-822e-c9c9303c62b5",{"type":51,"content":5122},[5123,5128,5130,5135,5140,5154,5158,5163,5168,5172,5177,5182,5187,5199,5203,5208,5213,5218,5241,5246,5251,5255,5260],{"type":54,"attrs":5124,"content":5125},{"textAlign":65},[5126],{"text":5127,"type":69},"Comme mesure initiale en vue de la mise en place d'un système de déclaration lié aux transactions, le ministère fédéral des Finances de l'Allemagne (BMF - Bundesministerium der Finanzen) envisage d'imposer l'adoption des factures électroniques pour les ventes interentreprises (B2B) dans le pays.",{"type":54,"attrs":5129},{"textAlign":65},{"type":62,"attrs":5131,"content":5132},{"level":3916,"textAlign":65},[5133],{"text":5134,"type":69},"Mettre à jour",{"type":54,"attrs":5136,"content":5137},{"textAlign":65},[5138],{"text":5139,"type":69},"Le 23 juin, la Commission européenne a donné à l'Allemagne l'autorisation de déroger à certaines parties de la directive TVA. Cette autorisation est valable du 1er janvier 2025 au 31 décembre 2027.",{"type":54,"attrs":5141,"content":5142},{"textAlign":65},[5143,5145,5152],{"text":5144,"type":69},"Le plan proposé par l'Allemagne est conforme aux exigences des règles de TVA pour l'ère numérique.",{"text":3055,"type":69,"marks":5146},[5147],{"type":106,"attrs":5148},{"href":5149,"uuid":5150,"anchor":65,"custom":5151,"target":111,"linktype":112},"/resources/blog/vat-in-the-digital-age-vida-update","ed7d3736-1d7a-4a44-82eb-fefad9edfd6a",{},{"text":5153,"type":69},"), plus précisément les articles 218 et 232 de la directive. Cette dérogation restera en vigueur jusqu'au 31 décembre 2027, ou jusqu'à ce que les États membres soient obligés d'adopter de nouvelles dispositions nationales basées sur une directive modifiant les règles de TVA pour l'ère numérique.",{"type":54,"attrs":5155,"content":5156},{"textAlign":65},[5157],{"text":3913,"type":69},{"type":62,"attrs":5159,"content":5160},{"level":3916,"textAlign":65},[5161],{"text":5162,"type":69},"Qu'est-ce que la TVA à l'ère numérique ?",{"type":54,"attrs":5164,"content":5165},{"textAlign":65},[5166],{"text":5167,"type":69},"La TVA à l'ère numérique est la nouvelle directive de la Commission européenne qui impose la facturation électronique intra-communautaire et la déclaration numérique B2B d'ici 2028 pour tous les États membres européens.",{"type":54,"attrs":5169,"content":5170},{"textAlign":65},[5171],{"text":3913,"type":69},{"type":54,"attrs":5173,"content":5174},{"textAlign":65},[5175],{"text":5176,"type":69},"Annoncée en décembre 2022, la directive de la Commission européenne vise à récupérer des milliards de TVA perdue à partir de factures frauduleuses, et donc de réclamations de TVA frauduleuses.",{"type":54,"attrs":5178,"content":5179},{"textAlign":65},[5180],{"text":5181,"type":69},"Rendre obligatoire la facturation électronique intra-communautaire et la déclaration numérique B2B force les États membres à créer et mettre en place un système permettant la facturation électronique et la déclaration numérique. Avec la mise en place de ces systèmes dans de nombreux États membres, comme l'Allemagne, ces derniers seront encouragés à aller encore plus loin en rendant obligatoires toutes les ventes B2B sur leur territoire, dans l'espoir de récupérer encore plus de TVA et de poursuivre la digitalisation de leur économie.",{"type":54,"attrs":5183,"content":5184},{"textAlign":65},[5185],{"text":5186,"type":69},"I am here to help you with the translation. Just provide me with the text you need to be translated into French.",{"type":54,"attrs":5188,"content":5189},{"textAlign":65},[5190,5192,5197],{"text":5191,"type":69},"Découvrez-en encore plus sur la TVA à l'ère numérique via notre plateforme. ",{"text":1660,"type":69,"marks":5193},[5194],{"type":106,"attrs":5195},{"href":5149,"uuid":5150,"anchor":65,"custom":5196,"target":111,"linktype":112},{},{"text":5198,"type":69},"Please provide the text that you would like me to translate into French.",{"type":54,"attrs":5200,"content":5201},{"textAlign":65},[5202],{"text":3913,"type":69},{"type":62,"attrs":5204,"content":5205},{"level":3916,"textAlign":65},[5206],{"text":5207,"type":69},"La réponse de l'Allemagne en détail",{"type":54,"attrs":5209,"content":5210},{"textAlign":65},[5211],{"text":5212,"type":69},"La semaine dernière, la BMF a distribué une proposition de discussion à des associations allemandes sélectionnées, les invitant à commenter les changements législatifs prévus.",{"type":54,"attrs":5214,"content":5215},{"textAlign":65},[5216],{"text":5217,"type":69},"À partir de maintenant, la proposition introduit la facturation électronique obligatoire pour les ventes B2B à l'intérieur du pays d'ici le 1er janvier 2025, bien qu'il soit prévu qu'elle soit introduite progressivement. Il existe quelques approches proposées :",{"type":92,"content":5219},[5220,5227,5234],{"type":95,"content":5221},[5222],{"type":54,"attrs":5223,"content":5224},{"textAlign":65},[5225],{"text":5226,"type":69},"Déploiement en fonction de la taille de l'entreprise.",{"type":95,"content":5228},[5229],{"type":54,"attrs":5230,"content":5231},{"textAlign":65},[5232],{"text":5233,"type":69},"L'utilisation des factures électroniques pourrait être rendue obligatoire en fonction du montant de la facture. Initialement, l'obligation ne s'appliquerait qu'au-dessus d'un seuil spécifique qui pourrait diminuer progressivement avec le temps (par exemple, 50 000 euros la première année, 30 000 euros la deuxième année, et éliminé d'ici la troisième année).",{"type":95,"content":5235},[5236],{"type":54,"attrs":5237,"content":5238},{"textAlign":65},[5239],{"text":5240,"type":69},"La réception d'une facture électronique pourrait être obligatoire pour toutes les entreprises dès le premier jour de la mise en œuvre. Les petites et moyennes entreprises ne seraient tenues d'émettre des factures électroniques que plus tard.",{"type":54,"attrs":5242,"content":5243},{"textAlign":65},[5244],{"text":5245,"type":69},"Comme indiqué ci-dessus, selon la proposition actuelle de la ViDA, la déclaration basée sur les transactions pour les ventes B2B intra-communautaires sera obligatoire et les déclarations récapitulatives seront supprimées à partir du 1er janvier 2028. L'Allemagne vise à développer un système électronique unifié pour la déclaration liée aux transactions qui minimise la charge administrative à la fois pour les ventes B2B nationales et transfrontalières. Les discussions en cours au niveau de l'UE sont prises en compte dans la conception nationale du système de déclaration, et les exigences techniques de ces discussions sont intégrées dans les consultations.",{"type":54,"attrs":5247,"content":5248},{"textAlign":65},[5249],{"text":5250,"type":69},"Il est important de noter que l'Allemagne est en faveur du modèle d'Échange CTC Décentralisé (DCTCE). Le modèle DCTCE est un effort conjoint des principaux acteurs de la facturation électronique à travers le monde qui recherchent une interopérabilité à 100% et une automatisation commerciale complète. Le nouveau modèle permettra une automatisation commerciale, tout en permettant à l'autorité fiscale d'obtenir les informations de TVA dont elle a besoin.",{"type":54,"attrs":5252,"content":5253},{"textAlign":65},[5254],{"text":3913,"type":69},{"type":62,"attrs":5256,"content":5257},{"level":3916,"textAlign":65},[5258],{"text":5259,"type":69},"Rester à jour",{"type":54,"attrs":5261,"content":5262},{"textAlign":65},[5263],{"text":5264,"type":69},"Recevez des mises à jour du monde entier sur les nouvelles réglementations, les nouvelles entreprises concernées ainsi que les changements de format et de directives en matière de facturation électronique.",{"_uid":5266,"cards":5267,"buttons":5270,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5271},"39ba252f-93d1-41b8-bad6-3518cd78a25d",[5268,5269,4482],"4d14fcb9-6491-4bac-ac9d-55bea0b88ff2","1a614064-d03d-42cf-b5d7-d7c899d17000",[],{"type":51,"content":5272},[5273],{"type":54},{"id":5275,"alt":5096,"name":8,"focus":8,"title":5096,"source":8,"filename":5276,"copyright":8,"fieldtype":15,"meta_data":5277,"is_external_url":17},91143428882097,"https://a.storyblok.com/f/318078/1032x600/8dd05f1080/644a9d1278d99af5721de093_blog-is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing_website.jpg",{"alt":5096,"title":5096,"source":8,"copyright":8},[5279],"5cf61005-ab2b-4165-92ed-2d0cdcc5f06c",[],{"type":51,"content":5282},[5283],{"type":54,"attrs":5284,"content":5285},{"textAlign":65},[5286],{"text":5287,"type":69},"Le ministère fédéral allemand des Finances envisage l’adoption obligatoire de factures électroniques pour les ventes B2B dans le pays.",[2047,3049,3053],"Le ministère fédéral des Finances de l'Allemagne envisage d'imposer l'adoption obligatoire de factures électroniques pour les ventes B2B dans le pays.",[3679],"is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing-","fr/resources/blog/is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing-","2023-06-27",-1890,[3991],"7257052c-0ee0-425d-be3e-1a442dd5961f","2023-06-27T16:04:00.000Z",[],"resources/blog/is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing-",[5301,5302,5303],{"path":5299,"name":65,"lang":522,"published":65},{"path":5299,"name":65,"lang":515,"published":65},{"path":5304,"name":5305,"lang":527,"published":56},"informationen/blog/ist-deutschland-der-naechste-eu-staat-mit-einer-b2b-e-rechnungspflicht","Ist Deutschland der nächste EU-Staat mit einer B2B E-Rechnungspflicht?",{"name":5307,"created_at":5308,"published_at":5309,"updated_at":5310,"id":5311,"uuid":4481,"content":5312,"slug":5553,"full_slug":5554,"sort_by_date":5555,"position":5556,"tag_list":5557,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":5558,"first_published_at":5559,"release_id":65,"lang":515,"path":65,"alternates":5560,"default_full_slug":5561,"translated_slugs":5562,"_stopResolving":56},"e-Estonia: How Estonia became one of the most digital countries in the world","2025-09-15T12:51:06.987Z","2026-07-24T14:45:18.541Z","2026-07-24T14:45:18.575Z",91140370423038,{"seo":5313,"_uid":5317,"body":5318,"image":5536,"theme":8,"title":5326,"author":5540,"related":5542,"summary":5543,"category":5550,"component":2049,"createdOn":8,"description":5551,"relatedCountries":5552,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5314,"title":5315,"plugin":34,"description":5316},"901f4e5d-1221-42de-ae09-a844cd106020","Is Estonia The Most Digital Country? | Blog - Banqup","How did Estonia become the most digital country in the world? Learn more with Banqup Estonia’s Country Manager, Andrus Kaarelson.","6b880702-1189-4870-9bf1-fa7fe009d6a1",[5319,5330,5528],{"_uid":5320,"align":8,"image":5321,"theme":49,"buttons":5325,"columns":644,"heading":5326,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":5327,"invertTextColor":56},"31df29d8-75bf-40ff-be25-9e3265955179",{"id":5322,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5323,"copyright":8,"fieldtype":15,"meta_data":5324,"is_external_url":17},94985031874016,"https://a.storyblok.com/f/318078/1925x510/d10245cb70/a-new-journey-for-unifiedpost-estonia-and-the-itl-estonian-ict-cluster.png",{},[],"e-Estonie : Comment l'Estonie est devenue l'un des pays les plus numériques au monde",{"type":51,"content":5328},[5329],{"type":54},{"_uid":5331,"text":5332,"component":506,"background":49},"3daf6bf5-5e07-4db1-9f84-cabac44bfed5",{"type":51,"content":5333},[5334,5339,5344,5349,5351,5356,5367,5380,5385,5390,5395,5400,5405,5407,5412,5417,5422,5424,5429,5434,5439,5444,5446,5451,5464,5469,5474,5479,5481,5486,5491,5496,5501,5506,5511,5513,5518,5523],{"type":54,"attrs":5335,"content":5336},{"textAlign":65},[5337],{"text":5338,"type":69},"Comment l'Estonie est-elle devenue le pays le plus numérique au monde ? Nous avons parlé à Andrus Kaarelson, directeur pays de Banqup Estonie, pour en savoir plus sur le paysage numérique de l'Estonie et pourquoi le pays a été si rapide à s'adapter aux processus numériques.",{"type":54,"attrs":5340,"content":5341},{"textAlign":65},[5342],{"text":5343,"type":69},"e-Estonia, un nom créé par le pays lui-même en raison de son utilisation étendue des technologies numériques. Mais comment l'Estonie, un pays européen de seulement 1,3 million d'habitants, est-elle devenue un tel adepte du numérique ?",{"type":54,"attrs":5345,"content":5346},{"textAlign":65},[5347],{"text":5348,"type":69},"Nous avons parlé avec Andrus Kaarelson, directeur de pays de Banqup Estonie, pour en savoir plus. Avec plus de 25 ans d'expérience en matière de facturation numérique et électronique, Andrus en sait long sur l'adoption numérique de l'Estonie. Lisez la suite et découvrez les initiatives numériques du secteur public estonien et pourquoi le secteur privé n'a pas suivi le même rythme.",{"type":54,"attrs":5350},{"textAlign":65},{"type":62,"attrs":5352,"content":5353},{"level":64,"textAlign":65},[5354],{"text":5355,"type":69},"e-Estonie : Où tout a-t-il commencé ?",{"type":54,"attrs":5357,"content":5358},{"textAlign":65},[5359,5361,5365],{"text":5360,"type":69},"Andrus répond, ",{"text":5362,"type":69,"marks":5363},"Au milieu des années 90, seulement cinq ans après notre récente indépendance.",[5364],{"type":1443},{"text":5366,"type":69},"Suite à la ré-indépendance de l'Estonie, le pays disposait de ressources et d'un budget limités. L'Estonie n'avait d'autre choix que de créer des initiatives du secteur public efficaces et impactantes.",{"type":54,"attrs":5368,"content":5369},{"textAlign":65},[5370,5372,5378],{"text":5371,"type":69},"L'une des premières initiatives gouvernementales a été le programme Tiigrihüpe (Tiger Leap), lancé en 1996. Tiigrihüpe a favorisé l'utilisation de l'ordinateur et le développement de l'infrastructure réseau, notamment au sein des institutions éducatives estoniennes. Les effets du programme sont clairement visibles, car ",{"text":5373,"type":69,"marks":5374},"99%",[5375],{"type":106,"attrs":5376},{"href":5377,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://digital-strategy.ec.europa.eu/en/policies/countries-digitisation-performance",{"text":5379,"type":69}," de la population estonienne utilise Internet de manière régulière.",{"type":54,"attrs":5381,"content":5382},{"textAlign":65},[5383],{"text":5384,"type":69},"La même année a également vu l'e-cabinet de l'Estonie, l'un des premiers cabinets électroniques au monde, et le lancement des services de banque électronique en Estonie. Les réunions du cabinet ont commencé à se dérouler sans avoir besoin de papier, et les services bancaires étaient accessibles 24 heures sur 24, 7 jours sur 7, depuis le confort des foyers des citoyens estoniens.",{"type":54,"attrs":5386,"content":5387},{"textAlign":65},[5388],{"text":5389,"type":69},"Les services numériques du secteur public ne se sont certainement pas arrêtés là.",{"type":54,"attrs":5391,"content":5392},{"textAlign":65},[5393],{"text":5394,"type":69},"En 2000, les Estoniens pouvaient déclarer leurs impôts en ligne via la plateforme e-tax. Un service utilisé par 98% de la population aujourd'hui. La même année, M-Parking a été lancé - un service de stationnement mobile qui permettait aux citoyens de payer le stationnement en ville via SMS. Et en 2001, le lancement de X-Road a révolutionné la manière dont les bases de données gouvernementales étaient connectées de manière sécurisée.",{"type":54,"attrs":5396,"content":5397},{"textAlign":65},[5398],{"text":5399,"type":69},"La liste continue. Les cartes d'identité électroniques et les signatures électroniques ont été lancées en 2002, le vote via internet en 2005 et l'envoi de la première facture électronique interentreprises (B2B) en 2007. Plus besoin de scanner les passeports, de signer des contrats sur papier ou de faire la queue pour voter.",{"type":54,"attrs":5401,"content":5402},{"textAlign":65},[5403],{"text":5404,"type":69},"Y a-t-il quelque chose qui reste ? Andrus peut penser à deux services publics qui ne peuvent pas être complétés en ligne. Se marier et acheter une propriété. Cependant, même ces deux services ont vu une utilisation plus importante en ligne depuis la pandémie de COVID-19, en raison du besoin de consultations et d'appels vidéo.",{"type":54,"attrs":5406},{"textAlign":65},{"type":62,"attrs":5408,"content":5409},{"level":64,"textAlign":65},[5410],{"text":5411,"type":69},"e-Estonie : Pourquoi une si grande adoption du numérique ?",{"type":54,"attrs":5413,"content":5414},{"textAlign":65},[5415],{"text":5416,"type":69},"Andrus dit que le pays devait faire quelque chose de grand pour tirer le meilleur parti de son budget et de ses ressources limités. Le pays a pris l'initiative et a créé des services efficaces à faible coût.",{"type":54,"attrs":5418,"content":5419},{"textAlign":65},[5420],{"text":5421,"type":69},"Andrus dit que d'une certaine manière, c'est évident. Par exemple, M-Parking, l'initiative du secteur public pour payer le stationnement par SMS.",{"type":54,"attrs":5423},{"textAlign":65},{"type":62,"attrs":5425,"content":5426},{"level":64,"textAlign":65},[5427],{"text":5428,"type":69},"Comment l'adoption du numérique a-t-elle forcé le changement ?",{"type":54,"attrs":5430,"content":5431},{"textAlign":65},[5432],{"text":5433,"type":69},"Andrus estime que l'Estonie n'a pas été complètement démocratique dans son adoption du numérique. Les changements sont mis en œuvre sans beaucoup de participation des citoyens. Mais peut-être que c'est la meilleure façon de fonctionner ?",{"type":54,"attrs":5435,"content":5436},{"textAlign":65},[5437],{"text":5438,"type":69},"Andrus parle de pays comme la Suède et la Finlande. Ces pays ont créé des initiatives numériques dans le secteur public, tout comme l'Estonie, mais sur une base plus volontaire. Ces initiatives fonctionnent, mais leur adoption est lente. Les gouvernements sont contraints de maintenir les services existants, de mettre en place de nouveaux services numériques et de consacrer du temps et des ressources à cela. Ce n'était pas un luxe dont disposait l'Estonie. En imposant le changement, les citoyens estoniens ont non seulement été rapides à adopter de nouvelles façons de travailler dans le secteur public, mais ils ont également rapidement vu les avantages.",{"type":54,"attrs":5440,"content":5441},{"textAlign":65},[5442],{"text":5443,"type":69},"Cependant, on ne peut pas en dire autant du secteur privé.",{"type":54,"attrs":5445},{"textAlign":65},{"type":62,"attrs":5447,"content":5448},{"level":64,"textAlign":65},[5449],{"text":5450,"type":69},"Le secteur privé de l'Estonie : pourquoi l'adoption du numérique n'a-t-elle pas accéléré aussi rapidement ?",{"type":54,"attrs":5452,"content":5453},{"textAlign":65},[5454,5456,5462],{"text":5455,"type":69},"L'Estonie est en première position sur ",{"text":5457,"type":69,"marks":5458},"l'Indice de l'économie et de la société numériques",[5459],{"type":106,"attrs":5460},{"href":5461,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://digital-strategy.ec.europa.eu/en/policies/desi",{"text":5463,"type":69}," pour les services publics numériques, mais 15e en ce qui concerne l'intégration des technologies numériques au sein des entreprises.",{"type":54,"attrs":5465,"content":5466},{"textAlign":65},[5467],{"text":5468,"type":69},"L'Estonie se compose principalement de PME. Un peu plus de la moitié de ces PME ont un niveau de digitalisation de base, qui est inférieur à la moyenne nationale de l'UE. Seulement 10 % des PME utilisent le big data et seulement 3 % utilisent des solutions d'IA.",{"type":54,"attrs":5470,"content":5471},{"textAlign":65},[5472],{"text":5473,"type":69},"Le gouvernement prend note et met en place les bons programmes. Des programmes tels que l'Intelligence Artificielle et la Robotique en Estonie (AIRE) et le Hub d'Innovation Numérique (DIH), deux programmes qui visent à aider les entreprises à accélérer leur transformation numérique. Le gouvernement a également rendu obligatoire la facturation électronique pour les transactions entre les entreprises et le gouvernement (B2G). La facturation électronique peut augmenter l'utilisation des technologies numériques, mais en Estonie, cela ne s'est pas produit à un rythme rapide.",{"type":54,"attrs":5475,"content":5476},{"textAlign":65},[5477],{"text":5478,"type":69},"Lorsqu'on demande à Andrus pourquoi c'est le cas, pourquoi l'adoption numérique dans le secteur privé et public est très différente, il affirme que forcer le changement dans le secteur privé pourrait ne pas fonctionner aussi bien. Le changement doit être compris et les avantages commerciaux doivent être clairs. Il développe sa théorie en relation avec la facturation électronique des entreprises.",{"type":54,"attrs":5480},{"textAlign":65},{"type":62,"attrs":5482,"content":5483},{"level":64,"textAlign":65},[5484],{"text":5485,"type":69},"Facturation électronique en Estonie",{"type":54,"attrs":5487,"content":5488},{"textAlign":65},[5489],{"text":5490,"type":69},"En 2019, l'Estonie a rendu obligatoires les factures électroniques de l'entreprise au gouvernement (B2G). Les mandats de l'entreprise à l'entreprise (B2B) n'ont pas de dates confirmées, mais pourquoi ? Surtout quand de nombreux autres pays européens, moins \"numériques\", ont adopté des mandats B2B à un rythme plus rapide ?",{"type":54,"attrs":5492,"content":5493},{"textAlign":65},[5494],{"text":5495,"type":69},"Andrus estime que la facturation électronique et la transformation numérique des entreprises doivent être une courbe d'apprentissage. Les entreprises doivent comprendre les avantages avant de faire des changements drastiques.",{"type":54,"attrs":5497,"content":5498},{"textAlign":65},[5499],{"text":5500,"type":69},"De nombreux pays ayant mis en place la facturation électronique obligatoire ont constaté que leurs entreprises envoient des factures électroniques pour l'approbation des autorités fiscales, mais envoient toujours des factures au format PDF et papier entre elles. Cela prouve que la facturation électronique obligatoire n'augmente pas nécessairement l'utilisation du numérique. Les entreprises doivent être motivées par les avantages ou par d'autres entreprises.",{"type":54,"attrs":5502,"content":5503},{"textAlign":65},[5504],{"text":5505,"type":69},"Cela commence à se produire en Estonie. Les grandes entreprises estoniennes peuvent voir les avantages. Elles comprennent que l'automatisation des activités commerciales numériques réduit les coûts et rationalise les processus. Elles commencent à ne travailler qu'avec des processus électroniques et numériques, forçant ainsi leurs partenaires plus petits à s'adapter. Ce sont les grandes entreprises en Estonie qui imposent le changement.",{"type":54,"attrs":5507,"content":5508},{"textAlign":65},[5509],{"text":5510,"type":69},"Le seul inconvénient est que ce processus prend du temps. Comme l'Estonie est principalement composée de PME, le changement forcé est lent. Mais c'est un changement qui crée et encourage l'automatisation complète des entreprises.",{"type":54,"attrs":5512},{"textAlign":65},{"type":62,"attrs":5514,"content":5515},{"level":64,"textAlign":65},[5516],{"text":5517,"type":69},"Alors, quelle est la prochaine étape pour l'Estonie ?",{"type":54,"attrs":5519,"content":5520},{"textAlign":65},[5521],{"text":5522,"type":69},"Outre le fait de se marier et d'acheter une maison en ligne, Andrus estime que la prochaine grande étape est la facturation électronique B2B obligatoire. Il espère que de nombreuses entreprises seront habituées à la facturation électronique et comprendront déjà les avantages de l'automatisation des processus commerciaux numériques.",{"type":54,"attrs":5524,"content":5525},{"textAlign":65},[5526],{"text":5527,"type":69},"Vous voulez en savoir encore plus sur l'Estonie et l'offre actuelle d'Andrus et de son équipe ? Jetez un œil aux solutions mondiales et locales de l'Estonie et découvrez comment votre entreprise peut bénéficier de l'adoption de la facturation électronique.",{"_uid":5529,"cards":5530,"buttons":5532,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5533},"89010f25-1a68-427f-9ae6-1f7d2e52046f",[3657,5531,4235],"db8f20bd-6d9d-4f81-8c51-9b3f31ee00da",[],{"type":51,"content":5534},[5535],{"type":54},{"id":5537,"alt":5307,"name":8,"focus":8,"title":5307,"source":8,"filename":5538,"copyright":8,"fieldtype":15,"meta_data":5539,"is_external_url":17},91140596591824,"https://a.storyblok.com/f/318078/1033x601/e23587a78a/644254becbd5ace061d44ff5_blog-how-estonia-became-one-of-the-most-digital-countries-in-the-world_website.jpg",{"alt":5307,"title":5307,"source":8,"copyright":8},[5541],"0be6c8af-817d-407d-b8c0-75828a234503",[],{"type":51,"content":5544},[5545],{"type":54,"attrs":5546,"content":5547},{"textAlign":65},[5548],{"text":5549,"type":69},"Nous avons parlé au directeur national d’Unifiedpost (Banqup) Estonie, Andrus Kaarelson, pour en savoir plus sur le paysage numérique de l’Estonie et pourquoi le pays a été si rapide à adopter les processus numériques.",[2047,3049,3053],"Nous avons parlé avec Andrus Kaarelson, le directeur pays de Banqup Estonie, pour en savoir plus sur le paysage numérique de l'Estonie et sur la raison pour laquelle le pays a été si rapide à s'adapter aux processus numériques.",[3985],"e-estonia-how-estonia-became-one-of-the-most-digital-countries-in-the-world","fr/resources/blog/e-estonia-how-estonia-became-one-of-the-most-digital-countries-in-the-world","2022-12-06",-1870,[],"a80cf977-69da-4d2e-8abc-d4b3300c7ff4","2022-12-06T15:52:00.000Z",[],"resources/blog/e-estonia-how-estonia-became-one-of-the-most-digital-countries-in-the-world",[5563,5564,5565],{"path":5561,"name":65,"lang":522,"published":65},{"path":5561,"name":65,"lang":515,"published":65},{"path":5566,"name":5567,"lang":527,"published":56},"informationen/blog/e-estland-wie-estland-zu-einem-der-digitalsten-laender-der-welt-wurde","e-Estland: Wie Estland zu einem der digitalsten Länder der Welt wurde",[],{"type":51,"content":5570},[5571],{"type":54},{"id":5573,"alt":4818,"name":8,"focus":8,"title":4818,"source":8,"filename":5574,"copyright":8,"fieldtype":15,"meta_data":5575,"is_external_url":17},91470121161748,"https://a.storyblok.com/f/318078/1032x600/80308c668c/6443a84d3d8991123144d809_blog-unifiedpost-group-is-now-an-accredited-new-zealand-peppol-access-point_website.jpg",{"alt":4818,"title":4818,"source":8,"copyright":8},[],[],{"type":51,"content":5579},[5580],{"type":54,"attrs":5581,"content":5582},{"textAlign":65},[5583],{"text":5584,"type":69},"We are now part of the currently growing New Zealand Peppol network and can be seen in the list of accredited access point providers.",[1594,2048,2047,3049],"Nous faisons désormais partie du réseau Peppol de Nouvelle-Zélande en pleine croissance et sommes répertoriés dans la liste des fournisseurs de points d'accès accrédités.",[5588],"New Zealand","banqup-group-is-now-an-accredited-new-zealand-peppol-access-point","fr/resources/blog/banqup-group-is-now-an-accredited-new-zealand-peppol-access-point","2022-09-20",-2210,[],"f7b6052e-b22e-4fca-b85b-8e16b008f6a8","2022-09-20T00:00:00.000Z",[],"resources/blog/banqup-group-is-now-an-accredited-new-zealand-peppol-access-point",[5599,5600,5601],{"path":5597,"name":65,"lang":522,"published":65},{"path":5597,"name":65,"lang":515,"published":65},{"path":5602,"name":5603,"lang":527,"published":56},"informationen/blog/die-banqup-group-ist-nun-ein-akkreditierter-peppol-access-point-in-neuseeland-","Die Banqup Group ist nun ein akkreditierter Peppol Access Point in Neuseeland.",[],{"type":51,"content":5606},[5607],{"type":54},{"id":5609,"alt":3089,"name":8,"focus":8,"title":3089,"source":8,"filename":5610,"copyright":8,"fieldtype":15,"meta_data":5611,"is_external_url":17},91492868553341,"https://a.storyblok.com/f/318078/1032x600/bbe75c7fa3/64411eabad2c5e2d76371052_blog-e-invoicing-in-the-construction-industry.jpg",{"alt":3089,"title":3089,"source":8,"copyright":8},[],[],{"type":51,"content":5615},[5616],{"type":54,"attrs":5617,"content":5618},{"textAlign":65},[5619],{"text":5620,"type":69},"Les entrepreneurs des Pays-Bas et de la Belgique seront tenus d’envoyer les factures par voie électronique au gouvernement.",[2047],"Les entrepreneurs des Pays-Bas et de Belgique devront envoyer électroniquement leurs factures au gouvernement.",[2053],"electronic-invoicing-in-the-construction-industry","fr/resources/blog/electronic-invoicing-in-the-construction-industry","2017-01-10",-2410,[],"61b786e2-2db7-4eff-92aa-6772e8f737ae","2017-01-10T15:46:00.000Z",[],"resources/blog/electronic-invoicing-in-the-construction-industry",[5634,5635,5636],{"path":5632,"name":65,"lang":522,"published":65},{"path":5632,"name":65,"lang":515,"published":65},{"path":5637,"name":5638,"lang":527,"published":56},"informationen/blog/e-invoicing-in-der-baubranche","E-Invoicing in der Baubranche",{"left":5640,"top":5640,"width":5641,"height":5642,"rotate":5640,"vFlip":17,"hFlip":17,"body":5643},0,304,609,"\u003Cdefs>\n\t\t\u003Cfilter id=\"feather\" x=\"-100%\" y=\"-100%\" width=\"300%\" height=\"300%\">\n\t\t\t\u003CfeGaussianBlur stdDeviation=\"45\"/>\n\t\t\u003C/filter>\n\t\t\u003ClinearGradient id=\"base-fade\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"0\">\n\t\t\t\u003Cstop offset=\"0\" stop-color=\"white\"/>\n\t\t\t\u003Cstop offset=\"1\" 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