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financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":138,"name":153,"component":22},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[166,167,168],{"path":164,"name":25,"lang":37,"published":25},{"path":164,"name":25,"lang":39,"published":25},{"path":164,"name":25,"lang":32,"published":25},{"type":107,"content":170},[171,176,183,189,194,200,213,225,237,253,258,263,268,273,278,283,302,307,312,330,335,341,359,387,393],{"type":110,"attrs":172,"content":173},{"textAlign":25,"key":112},[174],{"text":175,"type":116},"Según estimaciones del sector, la automatización con IA puede cubrir hasta el 80% de las tareas repetitivas de facturación y contabilidad en una pyme. A pesar de ello, la mayoría de responsables de administración, directores financieros y DAFs de pymes españolas siguen clasificando cada gasto por cuenta contable y tipo de IVA a mano, persiguiendo justificantes y cuadrando todo antes de enviarlo a la gestoría. La IA para contabilidad absorbe ese trabajo repetitivo (captura, clasificación y conciliación) sin necesidad de contratar más personal. En este artículo te explicamos las tres capas de automatización contable con IA, cómo funcionan en la práctica y por qué la normativa VERI*FACTU hace urgente esta transición.",{"type":177,"attrs":178,"content":180},"heading",{"level":179,"textAlign":25},2,[181],{"text":182,"type":116},"Lo que la IA cubre para que no necesites contratar",{"type":110,"attrs":184,"content":186},{"textAlign":25,"key":185},"p-1",[187],{"text":188,"type":116},"Para un equipo financiero de una pyme, el cuello de botella no está en la estrategia sino en tres tareas repetitivas: captura de facturas con OCR, clasificación contable automática y conciliación bancaria. Una pyme española con varias decenas de empleados gestiona cientos de facturas cada mes, y procesarlas a mano exige tiempo que ni el director financiero ni su equipo pueden dedicar. Según datos del sector, automatizar estas tres capas puede reducir el coste de procesamiento por factura entre un 60% y un 80%. El equipo de administración deja de perseguir justificantes y dedicar días al cierre mensual. En su lugar, supervisa excepciones y se centra en el análisis financiero que realmente aporta valor al negocio. La IA no sustituye al contable ni a la gestoría; elimina las tareas repetitivas para que ambos trabajen con datos limpios desde el primer momento.",{"type":177,"attrs":190,"content":191},{"level":179,"textAlign":25},[192],{"text":193,"type":116},"Tres capas de automatización contable con IA",{"type":110,"attrs":195,"content":197},{"textAlign":25,"key":196},"p-2",[198],{"text":199,"type":116},"Cada etapa alimenta la siguiente y reduce el margen de error acumulado que aparece en el cierre mensual. La contabilidad digitalizada no es un único software que resuelve todo, sino un sistema complementario en el que captura automática, clasificación inteligente y conciliación trabajan en secuencia.",{"type":110,"attrs":201,"content":203},{"textAlign":25,"key":202},"p-3",[204,206,211],{"text":205,"type":116},"La primera capa es la ",{"text":207,"type":116,"marks":208},"captura automática",[209],{"type":210},"bold",{"text":212,"type":116},". Las tecnologías de OCR para contabilidad extraen los datos clave de facturas, recibos y tickets, independientemente del formato: PDF, foto móvil o XML. Según comparativas publicadas por plataformas de contabilidad en España, la precisión actual de estos sistemas supera el 95% en facturas españolas, lo que reduce errores frente a la introducción manual.",{"type":110,"attrs":214,"content":216},{"textAlign":25,"key":215},"p-4",[217,219,223],{"text":218,"type":116},"La segunda capa es la ",{"text":220,"type":116,"marks":221},"clasificación inteligente",[222],{"type":210},{"text":224,"type":116},". Un motor de categorización inteligente asigna cada gasto a la cuenta contable correcta, aplica el tipo de IVA correspondiente (21%, 10% o 4%) y lo vincula al centro de coste adecuado. Con cada factura procesada, el sistema mejora sus sugerencias.",{"type":110,"attrs":226,"content":228},{"textAlign":25,"key":227},"p-5",[229,231,235],{"text":230,"type":116},"La tercera capa es la ",{"text":232,"type":116,"marks":233},"conciliación y cierre",[234],{"type":210},{"text":236,"type":116},". El sistema cruza automáticamente los movimientos bancarios con las facturas registradas, identifica discrepancias y prepara el borrador de cierre para revisión. Un ejemplo concreto: una empresa con 60 empleados y tres líneas de negocio procesa 400 facturas al mes. Si un proveedor envía una factura con IVA reducido del 10% y el administrativo la registra al 21% por error, ese descuadre no aparece hasta que la gestoría revisa el cierre semanas después. Con las tres capas en secuencia, la captura extrae el tipo correcto, la clasificación lo valida contra el historial y la conciliación confirma que el apunte cuadra con el movimiento bancario.",{"type":110,"attrs":238,"content":240},{"textAlign":25,"key":239},"p-6",[241,243,251],{"text":242,"type":116},"Estas tres capas conectan la gestión de ",{"text":244,"type":116,"marks":245},"**cuentas a pagar**",[246],{"type":247,"attrs":248},"link",{"href":249,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/","_blank",{"text":252,"type":116}," con el ERP o software contable de la empresa, ya sea Holded, Sage o A3. En el caso de grupos con varias sociedades, la contabilidad automatizada y multiempresa permite aplicar las mismas reglas de captura y clasificación a cada entidad, con centros de coste y NIFs separados, sin duplicar el trabajo.",{"type":177,"attrs":254,"content":255},{"level":179,"textAlign":25},[256],{"text":257,"type":116},"OCR e IA para la captura de facturas y recibos",{"type":110,"attrs":259,"content":260},{"textAlign":25,"key":112},[261],{"text":262,"type":116},"El reconocimiento OCR lee cualquier documento de entrada (PDF, foto móvil o XML), extrae los campos clave y los estructura sin intervención manual. Esto resuelve el cuello de botella más común en una pyme: la entrada de datos. Un empleado entrega un ticket de taxi fotografiado con el móvil; un proveedor envía una factura en PDF con un formato distinto al anterior; otro manda un XML desde su plataforma de facturación. Sin OCR para contabilidad, alguien tiene que abrir cada documento, localizar el importe, el NIF, la fecha y el concepto, y teclearlos en el sistema.",{"type":110,"attrs":264,"content":265},{"textAlign":25,"key":185},[266],{"text":267,"type":116},"Las herramientas de IA para contabilidad con reconocimiento OCR leen el documento, extraen los campos relevantes y los estructuran en un formato homogéneo. En las facturas de proveedores españoles, estos sistemas reducen los errores de transcripción que después generan descuadres en el cierre.",{"type":110,"attrs":269,"content":270},{"textAlign":25,"key":196},[271],{"text":272,"type":116},"El impacto económico es directo: para una pyme que gestiona cientos de facturas al mes, la captura automatizada puede convertir días de trabajo manual en entrada de datos en pocas horas de supervisión.",{"type":177,"attrs":274,"content":275},{"level":179,"textAlign":25},[276],{"text":277,"type":116},"Clasificación inteligente de gastos y asignación contable",{"type":110,"attrs":279,"content":280},{"textAlign":25,"key":202},[281],{"text":282,"type":116},"La categorización inteligente analiza el contenido de cada factura, el historial de gastos similares y las reglas contables de la empresa para asignar automáticamente la cuenta contable, el tipo de IVA (21%, 10% o 4%) y el centro de coste. Cuando esta tarea recae en una sola persona que aplica criterios de memoria, las inconsistencias aparecen semanas después, cuando la gestoría revisa el cierre. El sistema detecta facturas que no encajan en los patrones habituales y las marca como excepción para revisión manual.",{"type":110,"attrs":284,"content":285},{"textAlign":25,"key":215},[286,292,294,300],{"text":287,"type":116,"marks":288},"**Spendesk**",[289],{"type":247,"attrs":290},{"href":291,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.spendesk.com/es/platform/accounting-automation/",{"text":293,"type":116}," aplica esta lógica dentro de su plataforma de ",{"text":295,"type":116,"marks":296},"**gestión de facturas**",[297],{"type":247,"attrs":298},{"href":299,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":301,"type":116},": la plataforma clasifica automáticamente cada gasto con tarjeta empresarial o factura de proveedor y lo vincula al flujo de aprobación correspondiente. Junto a la clasificación inteligente, Spendesk incorpora flujos de control basados en reglas: el sistema Play by the Rules bloquea la tarjeta si el empleado no adjunta el justificante, lo que consigue una tasa de recepción de recibos a tiempo del 97-98%. El resultado: el equipo de administración solo interviene cuando el sistema señala una excepción.",{"type":177,"attrs":303,"content":304},{"level":179,"textAlign":25},[305],{"text":306,"type":116},"Del cierre mensual de días a horas",{"type":110,"attrs":308,"content":309},{"textAlign":25,"key":227},[310],{"text":311,"type":116},"Cuando la captura y la clasificación funcionan con IA durante todo el mes, el equipo financiero puede cerrar en horas en lugar de días: el sistema ya ha estructurado los datos, conciliado los asientos y marcado las excepciones. Sin esa automatización, el cierre acumula todas las ineficiencias del periodo: facturas sin clasificar, recibos perdidos, movimientos bancarios sin conciliar. En una pyme sin contabilidad automatizada, el responsable de administración puede dedicar varios días a cuadrar todo antes de enviarlo a la gestoría.",{"type":110,"attrs":313,"content":314},{"textAlign":25,"key":239},[315,320,322,328],{"text":287,"type":116,"marks":316},[317],{"type":247,"attrs":318},{"href":319,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.spendesk.com/es/platform/invoice-management/",{"text":321,"type":116}," integra este flujo completo: desde la captura OCR hasta la exportación contable hacia Holded, Sage o A3. La conciliación bancaria automática cruza movimientos con facturas registradas, y los flujos de aprobación multicondicional garantizan que cada gasto tenga autorización antes de contabilizarse. El resultado para empresas que usan la plataforma: un ",{"text":323,"type":116,"marks":324},"**cierre mensual**",[325],{"type":247,"attrs":326},{"href":327,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":329,"type":116}," que pasa de días a horas. Con más de 200.000 usuarios y más de 20.000 millones de euros procesados, Spendesk ya respalda este flujo a escala europea.",{"type":177,"attrs":331,"content":332},{"level":179,"textAlign":25},[333],{"text":334,"type":116},"VERI\\*FACTU y la factura electrónica aumentan la urgencia",{"type":110,"attrs":336,"content":338},{"textAlign":25,"key":337},"p-7",[339],{"text":340,"type":116},"La normativa española ha fijado un calendario de obligaciones que convierte la contabilidad digitalizada en una necesidad inmediata, no en una mejora opcional.",{"type":110,"attrs":342,"content":344},{"textAlign":25,"key":343},"p-8",[345,349,351,357],{"text":346,"type":116,"marks":347},"VERI*FACTU",[348],{"type":210},{"text":350,"type":116}," exige que los sistemas de facturación cumplan requisitos técnicos de integridad y trazabilidad. Según el RDL 15/2025, las sociedades deben adaptar sus sistemas antes del 1 de enero de 2027; el resto de contribuyentes, antes del 1 de julio de 2027. 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La digitalización puede reducir el uso de papel, pero no elimina por sí sola las tareas manuales ni las obligaciones de conservación o revisión.",{"_uid":2315,"title":2316,"component":439,"description":2317},"34faf640-6876-4a22-bf67-99f61a28a4fd","¿Cuánto se tarda en implementar la automatización de facturas de proveedores?",{"type":107,"content":2318},[2319],{"type":110,"attrs":2320,"content":2321},{"textAlign":25},[2322],{"text":2323,"type":116},"El plazo depende del alcance del proyecto, el número de entidades, los flujos de aprobación, el plan contable, las integraciones, las comprobaciones de cumplimiento y la disponibilidad del equipo.",{"_uid":2325,"title":2326,"component":439,"description":2327},"7dfb7448-517a-4e61-8123-886cff0b14f5","¿La automatización de facturas cumple con la normativa española de IVA y SII?",{"type":107,"content":2328},[2329],{"type":110,"attrs":2330,"content":2331},{"textAlign":25},[2332],{"text":2333,"type":116},"No por sí sola. Una plataforma puede ayudar a capturar datos, aplicar reglas y preparar información para el IVA o el SII, pero la empresa sigue siendo responsable de seleccionar el tratamiento fiscal correcto, revisar los datos, conservar la documentación y presentar la información dentro de plazo. Verifica que la solución elegida cubra las funciones concretas que necesitas y que sean compatibles con tu sistema contable y con tus obligaciones fiscales.",{"_uid":2335,"title":2336,"component":439,"description":2337},"bd07595d-95e7-4c93-beb3-c9ca3421ee25","¿Se pueden revisar y aprobar facturas desde el móvil?",{"type":107,"content":2338},[2339],{"type":110,"attrs":2340,"content":2341},{"textAlign":25},[2342,2344,2349],{"text":2343,"type":116},"Los usuarios con los permisos adecuados pueden consultar, aprobar o rechazar determinadas solicitudes y facturas desde la aplicación móvil de Spendesk. La disponibilidad de cada acción depende del rol, del tipo de flujo y de la configuración de la cuenta. --- Si quieres ver cómo funciona la automatización del gasto y las facturas en la práctica, ",{"text":2345,"type":116,"marks":2346},"solicita una demostración",[2347],{"type":247,"attrs":2348},{"href":492,"uuid":25,"anchor":25,"target":250,"linktype":98},{"text":2350,"type":116}," y comprueba cómo tu equipo puede reducir parte del trabajo manual asociado al procesamiento de facturas.",[2352],{"cta":2353,"_uid":2354,"title":2355,"eyebrow":2361,"subtitle":2366,"component":177,"textAlign":90,"flexibleSection":2371,"sectionSettings":2372,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"f85b5597-e04b-4d8a-9f25-ac5678dd9531",{"type":107,"content":2356},[2357],{"type":177,"attrs":2358,"content":2359},{"level":179,"textAlign":25},[2360],{"text":503,"type":116},{"type":107,"content":2362},[2363],{"type":110,"attrs":2364,"content":2365},{"textAlign":25},[],{"type":107,"content":2367},[2368],{"type":110,"attrs":2369,"content":2370},{"textAlign":25},[],[],[],"procesamiento-automatico-de-facturas","es/blog/procesamiento-automatico-de-facturas",-2380,[],"2fa47892-abc2-4515-9da9-0b3565610d68","2026-08-12T08:28:02.154Z",[],"blog/procesamiento-automatico-de-facturas",[2382,2383,2384],{"path":2380,"name":25,"lang":37,"published":25},{"path":2380,"name":25,"lang":39,"published":25},{"path":2380,"name":25,"lang":32,"published":25},{"name":2386,"created_at":2387,"published_at":2388,"updated_at":2389,"id":2390,"uuid":2391,"content":2392,"slug":2503,"full_slug":2504,"sort_by_date":25,"position":2505,"tag_list":2506,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":2507,"first_published_at":2388,"release_id":25,"lang":32,"path":25,"alternates":2508,"default_full_slug":2509,"translated_slugs":2510},"Modelo 210 para no residentes: retenciones a proveedores extranjeros","2026-08-10T14:39:56.814Z","2026-08-10T14:39:56.884Z","2026-08-10T14:39:56.913Z",207598374214948,"22072bc8-cc25-4dca-8bab-b05a188bc69b",{"_uid":2393,"title":2386,"topics":2394,"noIndex":28,"category":2411,"language":2420,"component":412,"heroMedia":2421,"metaTitle":2422,"publishedAt":90,"readingTime":2423,"redirectUrl":90,"listingImage":2424,"metaDescription":2425,"bottomArticleCta":2426,"componentsAfterTheArticle":2427},"2cb42e9a-fa77-4f2a-9688-781bb0292264",[2395,2403],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2396,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2397,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2398,"default_full_slug":147,"translated_slugs":2399,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2400,2401,2402],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":153,"created_at":154,"published_at":16,"updated_at":155,"id":156,"uuid":157,"content":2404,"slug":159,"full_slug":160,"sort_by_date":25,"position":141,"tag_list":2405,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":162,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2406,"default_full_slug":164,"translated_slugs":2407,"_stopResolving":41},{"_uid":138,"name":153,"component":22},[],[],[2408,2409,2410],{"path":164,"name":25,"lang":37,"published":25},{"path":164,"name":25,"lang":39,"published":25},{"path":164,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":2412,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":2414,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":2415,"default_full_slug":419,"translated_slugs":2416,"_stopResolving":41},{"_uid":406,"icon":2413,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2417,2418,2419],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Modelo 210 para no residentes: retenciones a proveedores ext","12",[],"Guía del modelo 210 no residentes para empresas: cuándo retener el IRNR a proveedores extranjeros, qué tipo aplicar y cómo presentar el Modelo 216.",[],[2428],{"_uid":2429,"items":2430,"heading":2481,"component":516},"e4d4f9d5-a9ef-40c2-8cb2-c7d30c393ece",[2431,2441,2451,2461,2471],{"_uid":2432,"title":2433,"component":439,"description":2434},"74690b0e-08fb-4290-ae92-9bd4075dc028","¿Qué documentos necesita una empresa para retener e ingresar el IRNR a un proveedor no residente?",{"type":107,"content":2435},[2436],{"type":110,"attrs":2437,"content":2438},{"textAlign":25},[2439],{"text":2440,"type":116},"Reúne el contrato o pedido, la factura del proveedor, el certificado de residencia fiscal, la documentación del CDI aplicable, el cálculo de la retención y el justificante del ingreso. Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":2442,"title":2443,"component":439,"description":2444},"b686385c-d192-4852-9fc5-7af23a4a9b4d","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":107,"content":2445},[2446],{"type":110,"attrs":2447,"content":2448},{"textAlign":25},[2449],{"text":2450,"type":116},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":2452,"title":2453,"component":439,"description":2454},"f47c0192-b1ce-4d56-93e9-b5ccdfa4ef96","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":107,"content":2455},[2456],{"type":110,"attrs":2457,"content":2458},{"textAlign":25},[2459],{"text":2460,"type":116},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":2462,"title":2463,"component":439,"description":2464},"626ce63d-6ac5-40eb-8ce2-c56d0eba1368","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":107,"content":2465},[2466],{"type":110,"attrs":2467,"content":2468},{"textAlign":25},[2469],{"text":2470,"type":116},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":2472,"title":2473,"component":439,"description":2474},"3d978fb9-e7b3-4808-88ff-699c0ba79121","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":107,"content":2475},[2476],{"type":110,"attrs":2477,"content":2478},{"textAlign":25},[2479],{"text":2480,"type":116},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. Sin él, debes aplicar el tipo interno: 24 % o 19 % para residentes en la UE, Islandia o Noruega. ## Da el siguiente paso Centraliza las facturas de tus proveedores y ten preparada la documentación de cada pago para justificar cada retención ante la AEAT. Descubre cómo la gestión de facturas y cuentas por pagar de Spendesk mantiene tu proceso de IRNR bajo control. Solicita una demo.",[2482],{"cta":2483,"_uid":2484,"title":2485,"eyebrow":2491,"subtitle":2496,"component":177,"textAlign":90,"flexibleSection":2501,"sectionSettings":2502,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"f60dfec0-8c7a-4047-a140-7f9ae1d35e61",{"type":107,"content":2486},[2487],{"type":177,"attrs":2488,"content":2489},{"level":179,"textAlign":25},[2490],{"text":503,"type":116},{"type":107,"content":2492},[2493],{"type":110,"attrs":2494,"content":2495},{"textAlign":25},[],{"type":107,"content":2497},[2498],{"type":110,"attrs":2499,"content":2500},{"textAlign":25},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2360,[],"a3f091f5-323c-4173-a95e-1977530b00e3",[],"blog/modelo-210-no-residentes",[2511,2512,2513],{"path":2509,"name":25,"lang":37,"published":25},{"path":2509,"name":25,"lang":39,"published":25},{"path":2509,"name":25,"lang":32,"published":25},{"name":2515,"created_at":2516,"published_at":2517,"updated_at":2518,"id":2519,"uuid":2520,"content":2521,"slug":2673,"full_slug":2674,"sort_by_date":25,"position":2675,"tag_list":2676,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":2677,"first_published_at":2517,"release_id":25,"lang":32,"path":25,"alternates":2678,"default_full_slug":2679,"translated_slugs":2680},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-10T14:39:54.001Z","2026-08-10T14:39:54.025Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":2522,"title":2515,"topics":2523,"noIndex":28,"category":2540,"language":2549,"component":412,"heroMedia":2550,"metaTitle":2551,"publishedAt":90,"readingTime":2552,"redirectUrl":90,"listingImage":2553,"metaDescription":2554,"bottomArticleCta":2555,"componentsAfterTheArticle":2556},"a5c44fdb-61bf-4d67-a171-62b2baecbec4",[2524,2532],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2525,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2526,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2527,"default_full_slug":147,"translated_slugs":2528,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2529,2530,2531],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":153,"created_at":154,"published_at":16,"updated_at":155,"id":156,"uuid":157,"content":2533,"slug":159,"full_slug":160,"sort_by_date":25,"position":141,"tag_list":2534,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":162,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2535,"default_full_slug":164,"translated_slugs":2536,"_stopResolving":41},{"_uid":138,"name":153,"component":22},[],[],[2537,2538,2539],{"path":164,"name":25,"lang":37,"published":25},{"path":164,"name":25,"lang":39,"published":25},{"path":164,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":2541,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":2543,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":2544,"default_full_slug":419,"translated_slugs":2545,"_stopResolving":41},{"_uid":406,"icon":2542,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2546,2547,2548],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f","11",[],"Guía del Modelo 111: qué declara la empresa, cómo se rellena casilla a casilla y los plazos del 3T ante la AEAT. Cuadra el 190 y evita recargos.",[],[2557],{"_uid":2558,"items":2559,"heading":2651,"component":516},"15367aef-6875-4699-8cf1-a97df1845252",[2560,2593,2611,2621,2631,2641],{"_uid":2561,"title":2562,"component":439,"description":2563},"5d541e1b-8c2c-4074-8a1c-d72712c41d63","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":107,"content":2564},[2565],{"type":110,"attrs":2566,"content":2567},{"textAlign":25},[2568,2570,2576,2578,2584,2586,2592],{"text":2569,"type":116},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":2571,"type":116,"marks":2572}," Modelo 190 es su resumen anual informativo",[2573],{"type":247,"attrs":2574},{"href":2575,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":2577,"type":116},". Las retenciones de alquileres se declaran mediante el",{"text":2579,"type":116,"marks":2580}," Modelo 115",[2581],{"type":247,"attrs":2582},{"href":2583,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":2585,"type":116}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":2587,"type":116,"marks":2588}," Modelo 130",[2589],{"type":247,"attrs":2590},{"href":2591,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":1660,"type":116},{"_uid":2594,"title":2595,"component":439,"description":2596},"54c24f66-8398-45fd-8550-e6bdf876480e","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":107,"content":2597},[2598],{"type":110,"attrs":2599,"content":2600},{"textAlign":25},[2601,2603,2609],{"text":2602,"type":116},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":2604,"type":116,"marks":2605}," Modelo 111, en casillas separadas",[2606],{"type":247,"attrs":2607},{"href":2608,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":2610,"type":116},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":2612,"title":2613,"component":439,"description":2614},"4dbaa916-c479-4c0d-b27e-82ba5aaec004","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":107,"content":2615},[2616],{"type":110,"attrs":2617,"content":2618},{"textAlign":25},[2619],{"text":2620,"type":116},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":2622,"title":2623,"component":439,"description":2624},"add51613-1974-4f48-b3b4-2c4eb7330759","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":107,"content":2625},[2626],{"type":110,"attrs":2627,"content":2628},{"textAlign":25},[2629],{"text":2630,"type":116},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":2632,"title":2633,"component":439,"description":2634},"6e6c7128-a4b3-4652-9340-46276fc41f1e","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":107,"content":2635},[2636],{"type":110,"attrs":2637,"content":2638},{"textAlign":25},[2639],{"text":2640,"type":116},"Debes presentar una autoliquidación negativa cuando se hayan pagado rentas sujetas a retención pero, por su cuantía, no procediera practicar retención. Si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención, no hay que presentar el modelo.",{"_uid":2642,"title":2643,"component":439,"description":2644},"1690dae5-8eb5-4727-bf13-b094c0f64d59","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":107,"content":2645},[2646],{"type":110,"attrs":2647,"content":2648},{"textAlign":25},[2649],{"text":2650,"type":116},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad. ## Deja lista la base de tu próximo Modelo 111 antes del cierre Reúne las facturas de proveedores y sus retenciones a medida que llegan, en lugar de reconstruir la base cuando se acerque el plazo de la AEAT. Solicita una demostración y comprueba cómo llegar a cada trimestre con el Modelo 111 ya cuadrado.",[2652],{"cta":2653,"_uid":2654,"title":2655,"eyebrow":2661,"subtitle":2666,"component":177,"textAlign":90,"flexibleSection":2671,"sectionSettings":2672,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"bf67b7e0-5e7d-4751-98b7-74152f4394e0",{"type":107,"content":2656},[2657],{"type":177,"attrs":2658,"content":2659},{"level":179,"textAlign":25},[2660],{"text":503,"type":116},{"type":107,"content":2662},[2663],{"type":110,"attrs":2664,"content":2665},{"textAlign":25},[],{"type":107,"content":2667},[2668],{"type":110,"attrs":2669,"content":2670},{"textAlign":25},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2350,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7",[],"blog/modelo-111-irpf-retenciones",[2681,2682,2683],{"path":2679,"name":25,"lang":37,"published":25},{"path":2679,"name":25,"lang":39,"published":25},{"path":2679,"name":25,"lang":32,"published":25},{"name":2685,"created_at":2686,"published_at":2687,"updated_at":2688,"id":2689,"uuid":2690,"content":2691,"slug":2810,"full_slug":2811,"sort_by_date":25,"position":2812,"tag_list":2813,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":2814,"first_published_at":2815,"release_id":25,"lang":32,"path":25,"alternates":2816,"default_full_slug":2817,"translated_slugs":2818},"VeriFactu obliga a todas las empresas españolas desde 2027: guía para adaptar su software","2026-07-02T11:12:59.403Z","2026-07-15T08:16:43.808Z","2026-07-27T09:08:57.995Z",193745630893250,"ce78448b-8771-4c18-9a35-8bb164c3a7d4",{"_uid":2692,"title":2685,"topics":2693,"noIndex":28,"category":2702,"language":2711,"component":412,"heroMedia":2712,"metaTitle":2713,"publishedAt":90,"readingTime":2552,"redirectUrl":90,"listingImage":2714,"metaDescription":2722,"bottomArticleCta":2723,"componentsAfterTheArticle":2724},"76408526-eb7e-480d-9298-165ef7536a41",[2694],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2695,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2696,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2697,"default_full_slug":147,"translated_slugs":2698,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2699,2700,2701],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":2703,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":2705,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":2706,"default_full_slug":419,"translated_slugs":2707,"_stopResolving":41},{"_uid":406,"icon":2704,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2708,2709,2710],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"VeriFactu obliga a todas las empresas españolas desde 2027: ",[2715],{"_uid":2716,"asset":2717,"caption":90,"component":2721},"52586025-c336-4774-a8c5-c57f25f5c4a6",{"id":2718,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2719,"copyright":90,"fieldtype":95,"meta_data":2720,"is_external_url":28},198300667442794,"https://a.storyblok.com/f/146026/2752x1536/9eac618dac/spendesk_blog_cover_verifactu.jpg",{},"image","El 1 de enero de 2027, toda empresa y autónomo en territorio común deberá usar software de facturación certificado por la AEAT bajo VeriFactu, y el coste de ign",[],[2725],{"_uid":2726,"items":2727,"heading":2788,"component":516},"6221f5fe-5233-4732-a676-7ada5b311e94",[2728,2738,2748,2758,2768,2778],{"_uid":2729,"title":2730,"component":439,"description":2731},"4acb6789-7630-4509-a73d-4e8e0bccd29a","¿A qué empresas obliga VeriFactu y desde cuándo entra en vigor?",{"type":107,"content":2732},[2733],{"type":110,"attrs":2734,"content":2735},{"textAlign":25},[2736],{"text":2737,"type":116},"VeriFactu obliga a todos los obligados tributarios (empresas y autónomos) en territorio común desde el 1 de enero de 2027. El País Vasco aplica TicketBAI, que ya está activo, y Navarra dispone de su propia normativa.",{"_uid":2739,"title":2740,"component":439,"description":2741},"8bec3011-a63e-4ae7-aa86-1c9bdfe0065c","¿En qué se diferencia VeriFactu de la factura electrónica obligatoria?",{"type":107,"content":2742},[2743],{"type":110,"attrs":2744,"content":2745},{"textAlign":25},[2746],{"text":2747,"type":116},"VeriFactu regula el software que genera facturas (hash SHA-256, QR, registro inalterable); la factura electrónica obligatoria de la Ley Crea y Crece regula el formato de transmisión B2B. Las grandes empresas deberán cumplir con la factura electrónica B2B en el primer año tras la aprobación del reglamento, y las pymes dispondrán de 2 años. Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":2749,"title":2750,"component":439,"description":2751},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":107,"content":2752},[2753],{"type":110,"attrs":2754,"content":2755},{"textAlign":25},[2756],{"text":2757,"type":116},"El software debe cumplir 5 requisitos técnicos: generar un hash SHA-256 por registro, un código QR por factura, mantener un registro secuencial inalterable, ofrecer la opción de envío automático a la AEAT y contar con la declaración responsable del fabricante conforme a la Orden HAC/1177/2024.",{"_uid":2759,"title":2760,"component":439,"description":2761},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":107,"content":2762},[2763],{"type":110,"attrs":2764,"content":2765},{"textAlign":25},[2766],{"text":2767,"type":116},"Las sanciones alcanzan los 50.000 € por ejercicio por utilizar software no certificado, y los fabricantes se exponen a multas de hasta 150.000 €. Además, el incumplimiento puede desencadenar una inspección tributaria.",{"_uid":2769,"title":2770,"component":439,"description":2771},"eaefa95d-2386-4afc-b2d5-bd53e5076de2","¿VeriFactu afecta a las pymes y autónomos o solo a grandes empresas?",{"type":107,"content":2772},[2773],{"type":110,"attrs":2774,"content":2775},{"textAlign":25},[2776],{"text":2777,"type":116},"VeriFactu afecta a todos los obligados tributarios en territorio común, desde el autónomo con 1 empleado hasta la gran empresa. No existe umbral mínimo de facturación ni exención por tamaño.",{"_uid":2779,"title":2780,"component":439,"description":2781},"a3d7430d-9897-48a0-89c5-85cbfd106cf4","¿Qué es VeriFactu?",{"type":107,"content":2782},[2783],{"type":110,"attrs":2784,"content":2785},{"textAlign":25},[2786],{"text":2787,"type":116},"VeriFactu es el sistema de facturación verificable de la AEAT que obliga a todo software de facturación a generar un hash SHA-256 encadenado, un código QR y un registro inalterable por cada factura emitida. Su objetivo es impedir la manipulación de registros de facturación y reforzar el control del fraude fiscal. Está regulado por la Ley Antifraude 11/2021 y el Real Decreto 1007/2023, y su cumplimiento será obligatorio desde el 1 de enero de 2027.",[2789],{"cta":2790,"_uid":2791,"title":2792,"eyebrow":2798,"subtitle":2803,"component":177,"textAlign":90,"flexibleSection":2808,"sectionSettings":2809,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":107,"content":2793},[2794],{"type":177,"attrs":2795,"content":2796},{"level":179,"textAlign":25},[2797],{"text":503,"type":116},{"type":107,"content":2799},[2800],{"type":110,"attrs":2801,"content":2802},{"textAlign":25},[],{"type":107,"content":2804},[2805],{"type":110,"attrs":2806,"content":2807},{"textAlign":25},[],[],[],"que-es-verifactu","es/blog/que-es-verifactu",-2140,[],"1275fab4-f0c8-40a2-bfbe-371e91cd12a9","2026-07-02T11:12:59.480Z",[],"blog/que-es-verifactu",[2819,2820,2821],{"path":2817,"name":25,"lang":37,"published":25},{"path":2817,"name":25,"lang":39,"published":25},{"path":2817,"name":25,"lang":32,"published":25},{"name":2823,"created_at":2824,"published_at":2825,"updated_at":2826,"id":2827,"uuid":2828,"content":2829,"slug":2949,"full_slug":2950,"sort_by_date":25,"position":2951,"tag_list":2952,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":2953,"first_published_at":2954,"release_id":25,"lang":32,"path":25,"alternates":2955,"default_full_slug":2956,"translated_slugs":2957},"Morosidad y facturación electrónica B2B: por qué Hacienda sabrá exactamente cuándo pagas a tus proveedores","2026-07-01T14:17:36.130Z","2026-07-15T12:57:19.864Z","2026-07-15T12:57:19.885Z",193437106762686,"5862f090-5c57-42b2-b06a-f2e57aa130c7",{"_uid":2830,"title":2823,"topics":2831,"noIndex":28,"category":2840,"language":2849,"component":412,"heroMedia":2850,"metaTitle":2851,"publishedAt":2852,"readingTime":2853,"redirectUrl":90,"listingImage":2854,"metaDescription":2861,"bottomArticleCta":2862,"componentsAfterTheArticle":2863},"0d77ded5-886f-419e-9cda-bce11bcf3406",[2832],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2833,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2834,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2835,"default_full_slug":147,"translated_slugs":2836,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2837,2838,2839],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":2841,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":2843,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":2844,"default_full_slug":419,"translated_slugs":2845,"_stopResolving":41},{"_uid":406,"icon":2842,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2846,2847,2848],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00","10",[2855],{"_uid":2856,"asset":2857,"caption":90,"component":2721},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":2858,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2859,"copyright":90,"fieldtype":95,"meta_data":2860,"is_external_url":28},198318535055133,"https://a.storyblok.com/f/146026/2752x1536/f0a0b021fd/spendesk_blog_cover_morosidad_facturacion.jpg",{},"Al cierre de cada mes, el equipo financiero necesita verificar que ninguna factura de proveedor ha superado el plazo legal de pago. En muchas empresas ese contr",[],[2864],{"_uid":2865,"items":2866,"heading":2927,"component":516},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[2867,2877,2887,2897,2907,2917],{"_uid":2868,"title":2869,"component":439,"description":2870},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":2871},[2872],{"type":110,"attrs":2873,"content":2874},{"textAlign":25},[2875],{"text":2876,"type":116},"No. Desde la Ley 15/2010, el plazo máximo pactable entre empresas es de 60 días naturales desde la entrega del bien o la prestación del servicio. Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":2878,"title":2879,"component":439,"description":2880},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":2881},[2882],{"type":110,"attrs":2883,"content":2884},{"textAlign":25},[2885],{"text":2886,"type":116},"El tipo legal es el de la última operación principal de refinanciación del BCE más ocho puntos porcentuales. Para el primer semestre de 2026, se sitúa en el 10,15% anualizado. 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Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":2898,"title":2899,"component":439,"description":2900},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":2901},[2902],{"type":110,"attrs":2903,"content":2904},{"textAlign":25},[2905],{"text":2906,"type":116},"Con el RD 238/2026, cada pago tardío queda registrado automáticamente en la AEAT y puede cruzarse con los plazos legales de morosidad sin intervención del acreedor. Las consecuencias financieras directas, como los intereses del 10,15% anualizado y la compensación fija de 40 euros por factura, se activan desde el primer día de retraso. Si el PMP supera los 60 días, la empresa queda además excluida de subvenciones públicas superiores a 30.000 euros.",{"_uid":2908,"title":2909,"component":439,"description":2910},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":2911},[2912],{"type":110,"attrs":2913,"content":2914},{"textAlign":25},[2915],{"text":2916,"type":116},"Sí. La Ley 18/2022 (Crea y Crece) excluye de subvenciones superiores a 30.000 euros a las empresas cuyo periodo medio de pago supere los 60 días.",{"_uid":2918,"title":2919,"component":439,"description":2920},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":2921},[2922],{"type":110,"attrs":2923,"content":2924},{"textAlign":25},[2925],{"text":2926,"type":116},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. La facturación electrónica B2B (Crea y Crece) se implantará con plazos de un año para empresas con facturación superior a ocho millones de euros y dos años para pymes, contados desde la publicación del RD 238/2026.",[2928],{"cta":2929,"_uid":2930,"title":2931,"eyebrow":2937,"subtitle":2942,"component":177,"textAlign":90,"flexibleSection":2947,"sectionSettings":2948,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":107,"content":2932},[2933],{"type":177,"attrs":2934,"content":2935},{"level":179,"textAlign":25},[2936],{"text":503,"type":116},{"type":107,"content":2938},[2939],{"type":110,"attrs":2940,"content":2941},{"textAlign":25},[],{"type":107,"content":2943},[2944],{"type":110,"attrs":2945,"content":2946},{"textAlign":25},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2120,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614","2026-07-01T14:17:36.219Z",[],"blog/morosidad-facturacion-electronica-b2b",[2958,2959,2960],{"path":2956,"name":25,"lang":37,"published":25},{"path":2956,"name":25,"lang":39,"published":25},{"path":2956,"name":25,"lang":32,"published":25},{"name":2962,"created_at":2963,"published_at":2964,"updated_at":2965,"id":2966,"uuid":2967,"content":2968,"slug":3077,"full_slug":3078,"sort_by_date":25,"position":3079,"tag_list":3080,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":3081,"first_published_at":3082,"release_id":25,"lang":32,"path":25,"alternates":3083,"default_full_slug":3084,"translated_slugs":3085},"Cómo auditar tu software de facturación para cumplir con VeriFactu antes de 2027","2026-07-01T14:14:31.744Z","2026-07-15T12:54:19.748Z","2026-07-15T12:54:19.813Z",193436351513498,"5b237131-616b-4414-b073-fb957e517c08",{"_uid":2969,"title":2962,"topics":2970,"noIndex":28,"category":2979,"language":2988,"component":412,"heroMedia":2989,"metaTitle":2990,"publishedAt":2991,"readingTime":2853,"redirectUrl":90,"listingImage":2992,"metaDescription":2999,"bottomArticleCta":3000,"componentsAfterTheArticle":3001},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[2971],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2972,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2973,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2974,"default_full_slug":147,"translated_slugs":2975,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2976,2977,2978],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":2980,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":2982,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":2983,"default_full_slug":419,"translated_slugs":2984,"_stopResolving":41},{"_uid":406,"icon":2981,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2985,2986,2987],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[2993],{"_uid":2994,"asset":2995,"caption":90,"component":2721},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":2996,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2997,"copyright":90,"fieldtype":95,"meta_data":2998,"is_external_url":28},198316418782544,"https://a.storyblok.com/f/146026/2752x1536/2644346e19/spendesk_blog_cover_como_auditar_tu_software_verifactu_v2.jpg",{},"Tu software de facturación lleva meses bajo una nueva lupa. Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[3002],{"_uid":3003,"items":3004,"heading":3055,"component":516},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[3005,3015,3025,3035,3045],{"_uid":3006,"title":3007,"component":439,"description":3008},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":107,"content":3009},[3010],{"type":110,"attrs":3011,"content":3012},{"textAlign":25},[3013],{"text":3014,"type":116},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":3016,"title":3017,"component":439,"description":3018},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":3019},[3020],{"type":110,"attrs":3021,"content":3022},{"textAlign":25},[3023],{"text":3024,"type":116},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":3026,"title":3027,"component":439,"description":3028},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":3029},[3030],{"type":110,"attrs":3031,"content":3032},{"textAlign":25},[3033],{"text":3034,"type":116},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":3036,"title":3037,"component":439,"description":3038},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":3039},[3040],{"type":110,"attrs":3041,"content":3042},{"textAlign":25},[3043],{"text":3044,"type":116},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":3046,"title":3047,"component":439,"description":3048},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":3049},[3050],{"type":110,"attrs":3051,"content":3052},{"textAlign":25},[3053],{"text":3054,"type":116},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[3056],{"cta":3057,"_uid":3058,"title":3059,"eyebrow":3065,"subtitle":3070,"component":177,"textAlign":90,"flexibleSection":3075,"sectionSettings":3076,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":3060},[3061],{"type":177,"attrs":3062,"content":3063},{"level":179,"textAlign":25},[3064],{"text":503,"type":116},{"type":107,"content":3066},[3067],{"type":110,"attrs":3068,"content":3069},{"textAlign":25},[],{"type":107,"content":3071},[3072],{"type":110,"attrs":3073,"content":3074},{"textAlign":25},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2110,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[3086,3087,3088],{"path":3084,"name":25,"lang":37,"published":25},{"path":3084,"name":25,"lang":39,"published":25},{"path":3084,"name":25,"lang":32,"published":25},{"name":3090,"created_at":3091,"published_at":3092,"updated_at":3093,"id":3094,"uuid":3095,"content":3096,"slug":3205,"full_slug":3206,"sort_by_date":25,"position":3207,"tag_list":3208,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":3209,"first_published_at":3210,"release_id":25,"lang":32,"path":25,"alternates":3211,"default_full_slug":3212,"translated_slugs":3213},"Plan de Control Tributario 2026: cómo Hacienda ve ahora todos tus pagos con tarjeta de empresa, y por qué necesitas un justificante de cada gasto","2026-07-01T14:12:27.046Z","2026-07-15T12:53:34.726Z","2026-07-15T12:53:34.749Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":3097,"title":3090,"topics":3098,"noIndex":28,"category":3107,"language":3116,"component":412,"heroMedia":3117,"metaTitle":3118,"publishedAt":3119,"readingTime":2286,"redirectUrl":90,"listingImage":3120,"metaDescription":3127,"bottomArticleCta":3128,"componentsAfterTheArticle":3129},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[3099],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3100,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3101,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3102,"default_full_slug":147,"translated_slugs":3103,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3104,3105,3106],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":3108,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":3110,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":3111,"default_full_slug":419,"translated_slugs":3112,"_stopResolving":41},{"_uid":406,"icon":3109,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3113,3114,3115],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00",[3121],{"_uid":3122,"asset":3123,"caption":90,"component":2721},"71b7f715-948b-4a24-8379-000055d9922b",{"id":3124,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3125,"copyright":90,"fieldtype":95,"meta_data":3126,"is_external_url":28},198315334702164,"https://a.storyblok.com/f/146026/2752x1536/dae119ef1b/spendesk_blog_cover_control_tributario.jpg",{},"Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más docume",[],[3130],{"_uid":3131,"items":3132,"heading":3183,"component":516},"392b2cba-2459-4fae-9ca3-82a370a248fc",[3133,3143,3153,3163,3173],{"_uid":3134,"title":3135,"component":439,"description":3136},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":3137},[3138],{"type":110,"attrs":3139,"content":3140},{"textAlign":25},[3141],{"text":3142,"type":116},"A través del Modelo 170, la AEAT recibe datos de todos los cargos, abonos y retiradas de efectivo de tarjetas con operaciones superiores a 25.000 euros anuales. La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":3144,"title":3145,"component":439,"description":3146},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":3147},[3148],{"type":110,"attrs":3149,"content":3150},{"textAlign":25},[3151],{"text":3152,"type":116},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":3154,"title":3155,"component":439,"description":3156},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":3157},[3158],{"type":110,"attrs":3159,"content":3160},{"textAlign":25},[3161],{"text":3162,"type":116},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":3164,"title":3165,"component":439,"description":3166},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":3167},[3168],{"type":110,"attrs":3169,"content":3170},{"textAlign":25},[3171],{"text":3172,"type":116},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":3174,"title":3175,"component":439,"description":3176},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":3177},[3178],{"type":110,"attrs":3179,"content":3180},{"textAlign":25},[3181],{"text":3182,"type":116},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la empresa.",[3184],{"cta":3185,"_uid":3186,"title":3187,"eyebrow":3193,"subtitle":3198,"component":177,"textAlign":90,"flexibleSection":3203,"sectionSettings":3204,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":3188},[3189],{"type":177,"attrs":3190,"content":3191},{"level":179,"textAlign":25},[3192],{"text":503,"type":116},{"type":107,"content":3194},[3195],{"type":110,"attrs":3196,"content":3197},{"textAlign":25},[],{"type":107,"content":3199},[3200],{"type":110,"attrs":3201,"content":3202},{"textAlign":25},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2100,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[3214,3215,3216],{"path":3212,"name":25,"lang":37,"published":25},{"path":3212,"name":25,"lang":39,"published":25},{"path":3212,"name":25,"lang":32,"published":25},{"name":3218,"created_at":3219,"published_at":3220,"updated_at":3221,"id":3222,"uuid":3223,"content":3224,"slug":3343,"full_slug":3344,"sort_by_date":25,"position":3345,"tag_list":3346,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":3347,"first_published_at":3348,"release_id":25,"lang":32,"path":25,"alternates":3349,"default_full_slug":3350,"translated_slugs":3351},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean rechazadas","2026-07-01T14:07:18.239Z","2026-07-15T12:59:16.664Z","2026-07-15T12:59:16.683Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":3225,"title":3218,"topics":3226,"noIndex":28,"category":3235,"language":3244,"component":412,"heroMedia":3245,"metaTitle":3246,"publishedAt":3247,"readingTime":2423,"redirectUrl":90,"listingImage":3248,"metaDescription":3255,"bottomArticleCta":3256,"componentsAfterTheArticle":3257},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[3227],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3228,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3229,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3230,"default_full_slug":147,"translated_slugs":3231,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3232,3233,3234],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":3236,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":3238,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":3239,"default_full_slug":419,"translated_slugs":3240,"_stopResolving":41},{"_uid":406,"icon":3237,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3241,3242,3243],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[3249],{"_uid":3250,"asset":3251,"caption":90,"component":2721},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":3252,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3253,"copyright":90,"fieldtype":95,"meta_data":3254,"is_external_url":28},198319305373653,"https://a.storyblok.com/f/146026/2752x1536/bdeb93bf48/spendesk_blog_cover_sepa_pagos.jpg",{},"Desde octubre de 2025, cada transferencia SEPA que sale de tu empresa pasa por un control automático: la verificación del beneficiario. Si el nombre del titular",[],[3258],{"_uid":3259,"items":3260,"heading":3321,"component":516},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[3261,3271,3281,3291,3301,3311],{"_uid":3262,"title":3263,"component":439,"description":3264},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":3265},[3266],{"type":110,"attrs":3267,"content":3268},{"textAlign":25},[3269],{"text":3270,"type":116},"El banco emisor muestra una alerta antes de ejecutar la transferencia. Puedes optar por continuar, pero si la operación resulta fraudulenta, asumes la responsabilidad y el banco puede negarse a reembolsarte.",{"_uid":3272,"title":3273,"component":439,"description":3274},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":3275},[3276],{"type":110,"attrs":3277,"content":3278},{"textAlign":25},[3279],{"text":3280,"type":116},"Sí. Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":3282,"title":3283,"component":439,"description":3284},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":3285},[3286],{"type":110,"attrs":3287,"content":3288},{"textAlign":25},[3289],{"text":3290,"type":116},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":3292,"title":3293,"component":439,"description":3294},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":3295},[3296],{"type":110,"attrs":3297,"content":3298},{"textAlign":25},[3299],{"text":3300,"type":116},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":3302,"title":3303,"component":439,"description":3304},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":3305},[3306],{"type":110,"attrs":3307,"content":3308},{"textAlign":25},[3309],{"text":3310,"type":116},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. Es obligatorio en los ficheros pain.001 a partir del 15 de noviembre de 2026.",{"_uid":3312,"title":3313,"component":439,"description":3314},"dac66926-a14a-4b79-951a-ef082e8a90f9","¿Cómo preparo los datos de mis proveedores para la Verification of Payee y el plazo de dirección estructurada de noviembre de 2026?",{"type":107,"content":3315},[3316],{"type":110,"attrs":3317,"content":3318},{"textAlign":25},[3319],{"text":3320,"type":116},"Audita la razón social de cada proveedor para que coincida con los registros bancarios (la VoP detectará discrepancias), valida estructuralmente todos los IBAN activos y convierte las direcciones a formato estructurado (calle, número, código postal, ciudad, país) antes de noviembre de 2026. 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Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":3428,"title":3429,"component":439,"description":3430},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":3431},[3432],{"type":110,"attrs":3433,"content":3434},{"textAlign":25},[3435],{"text":3436,"type":116},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":3438,"title":3439,"component":439,"description":3440},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":107,"content":3441},[3442],{"type":110,"attrs":3443,"content":3444},{"textAlign":25},[3445],{"text":3446,"type":116},"Contasol permite importar extractos bancarios y compararlos con asientos contables. 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El software AP lo registra, lo vincula a la orden de compra correspondiente y lo descuenta automáticamente cuando llega la factura definitiva.",{"_uid":3576,"title":3577,"component":439,"description":3578},"22246c54-fb10-4ab8-b83d-39aacff0f6be","¿Cuánto tiempo lleva implementar la automatización de cuentas por pagar?",{"type":107,"content":3579},[3580],{"type":110,"attrs":3581,"content":3582},{"textAlign":25},[3583,3585,3590],{"text":3584,"type":116},"Para una empresa de 50 a 500 empleados, el proceso completo, incluyendo migración de datos de proveedores y formación del equipo, suele llevar entre cuatro y ocho semanas. --- Si tu empresa procesa decenas o cientos de facturas cada mes y el cierre contable sigue siendo un ejercicio manual, la automatización AP es el siguiente paso lógico. 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Criterios clave, plataformas y cómo preparar tu empresa.",[],[3667],{"_uid":3668,"items":3669,"heading":3720,"component":516},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3670,3680,3690,3700,3710],{"_uid":3671,"title":3672,"component":439,"description":3673},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3674},[3675],{"type":110,"attrs":3676,"content":3677},{"textAlign":25},[3678],{"text":3679,"type":116},"El mandato B2B bajo la Ley Crea y Crece (RD 238/2026) se implementa en dos fases: las empresas con facturación superior a 8 millones de euros tienen 12 meses desde la entrada en vigor, y el resto de empresas y autónomos disponen de 24 meses.",{"_uid":3681,"title":3682,"component":439,"description":3683},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":107,"content":3684},[3685],{"type":110,"attrs":3686,"content":3687},{"textAlign":25},[3688],{"text":3689,"type":116},"VERI*FACTU (RD 1007/2023) es el sistema antifraude que obliga a que todo software de facturación genere una huella digital y un código QR verificable por la AEAT. Solo los programas certificados podrán utilizarse a partir de julio de 2026.",{"_uid":3691,"title":3692,"component":439,"description":3693},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":107,"content":3694},[3695],{"type":110,"attrs":3696,"content":3697},{"textAlign":25},[3698],{"text":3699,"type":116},"FACe es la plataforma de la administración pública para recibir facturas electrónicas de proveedores (B2G), obligatoria desde 2015. FACeB2B es su extensión para facilitar el intercambio de facturas electrónicas entre empresas privadas, aunque su adopción aún es limitada.",{"_uid":3701,"title":3702,"component":439,"description":3703},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":107,"content":3704},[3705],{"type":110,"attrs":3706,"content":3707},{"textAlign":25},[3708],{"text":3709,"type":116},"No necesariamente, pero muchas herramientas de facturación se centran en la emisión. La recepción, validación y archivo de facturas entrantes requiere funcionalidad de cuentas por pagar que no todos los programas incluyen.",{"_uid":3711,"title":3712,"component":439,"description":3713},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":107,"content":3714},[3715],{"type":110,"attrs":3716,"content":3717},{"textAlign":25},[3718],{"text":3719,"type":116},"TicketBAI es un sistema antifraude ya activo en las tres diputaciones forales del País Vasco. Exige que el software de facturación genere un fichero firmado electrónicamente por cada operación, con requisitos técnicos distintos al VERI*FACTU estatal. --- New call-to-action",[3721],{"cta":3722,"_uid":3723,"title":3724,"eyebrow":3730,"subtitle":3735,"component":177,"textAlign":90,"flexibleSection":3740,"sectionSettings":3741,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"d006b0c1-9502-47a6-b3b8-6d6f6da226c5",{"type":107,"content":3725},[3726],{"type":177,"attrs":3727,"content":3728},{"level":179,"textAlign":25},[3729],{"text":503,"type":116},{"type":107,"content":3731},[3732],{"type":110,"attrs":3733,"content":3734},{"textAlign":25},[],{"type":107,"content":3736},[3737],{"type":110,"attrs":3738,"content":3739},{"textAlign":25},[],[],[],"mejor-software-factura-electronica-empresas","es/blog/mejor-software-factura-electronica-empresas",-1820,[],"e23f149d-ed7b-4c9c-b9b3-72b649244711","2026-06-10T13:00:44.711Z",[],"blog/mejor-software-factura-electronica-empresas",[3751,3752,3753],{"path":3749,"name":25,"lang":37,"published":25},{"path":3749,"name":25,"lang":39,"published":25},{"path":3749,"name":25,"lang":32,"published":25},{"name":3755,"created_at":3756,"published_at":3757,"updated_at":3758,"id":3759,"uuid":3760,"content":3761,"slug":3878,"full_slug":3879,"sort_by_date":25,"position":3880,"tag_list":3881,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":3882,"first_published_at":3883,"release_id":25,"lang":32,"path":25,"alternates":3884,"default_full_slug":3885,"translated_slugs":3886},"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a paso","2026-06-10T13:00:01.653Z","2026-07-15T12:31:26.844Z","2026-07-15T12:31:26.867Z",185986259622305,"a4efc33d-5ef5-4c71-ae30-9ddb4ab0f2e6",{"_uid":3762,"title":3755,"topics":3763,"noIndex":28,"category":3772,"language":3781,"component":412,"heroMedia":3782,"metaTitle":3783,"publishedAt":3784,"readingTime":2853,"redirectUrl":90,"listingImage":3785,"metaDescription":3792,"bottomArticleCta":3793,"componentsAfterTheArticle":3794},"57a35c14-a7ca-4f2b-ae0a-077678fd4606",[3764],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3765,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3766,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3767,"default_full_slug":147,"translated_slugs":3768,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3769,3770,3771],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":3773,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":3775,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":3776,"default_full_slug":419,"translated_slugs":3777,"_stopResolving":41},{"_uid":406,"icon":3774,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3778,3779,3780],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a","2026-06-10 00:00",[3786],{"_uid":3787,"asset":3788,"caption":90,"component":2721},"fb32c233-78fc-4e59-8d18-b986abe049f8",{"id":3789,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3790,"copyright":90,"fieldtype":95,"meta_data":3791,"is_external_url":28},198302485543002,"https://a.storyblok.com/f/146026/2752x1536/bbbf15a8bc/spendesk_blog_cover_modelo-303-que-es-como-presentarlo.jpg",{},"El modelo 303 es la autoliquidación trimestral del IVA ante la AEAT. Consulta plazos, casillas principales, errores frecuentes y el proceso de presentación telemática paso a paso.",[],[3795],{"_uid":3796,"items":3797,"heading":3856,"component":516},"624a6787-08f1-4f35-8970-94eeedbbef72",[3798,3808,3818,3828,3838],{"_uid":3799,"title":3800,"component":439,"description":3801},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":107,"content":3802},[3803],{"type":110,"attrs":3804,"content":3805},{"textAlign":25},[3806],{"text":3807,"type":116},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":3809,"title":3810,"component":439,"description":3811},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":107,"content":3812},[3813],{"type":110,"attrs":3814,"content":3815},{"textAlign":25},[3816],{"text":3817,"type":116},"Sí, pero la declaración debe presentarse al menos cinco días antes del vencimiento. Pasado ese plazo, el pago requiere un código NRC emitido por el banco.",{"_uid":3819,"title":3820,"component":439,"description":3821},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":107,"content":3822},[3823],{"type":110,"attrs":3824,"content":3825},{"textAlign":25},[3826],{"text":3827,"type":116},"Un resultado negativo (más IVA soportado que devengado) se compensa en trimestres posteriores. La solicitud de devolución sólo es posible en la declaración del cuarto trimestre, que se presenta en enero.",{"_uid":3829,"title":3830,"component":439,"description":3831},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":107,"content":3832},[3833],{"type":110,"attrs":3834,"content":3835},{"textAlign":25},[3836],{"text":3837,"type":116},"Si la cuota pagada fue inferior a la debida, presenta una declaración complementaria marcándola como tal. Si pagaste de más, envía una solicitud de rectificación a través del registro electrónico de la AEAT dentro de los cuatro años siguientes.",{"_uid":3839,"title":3840,"component":439,"description":3841},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":107,"content":3842},[3843],{"type":110,"attrs":3844,"content":3845},{"textAlign":25},[3846,3848,3854],{"text":3847,"type":116},"Sí. Las adquisiciones intracomunitarias se declaran en las casillas 10 y 11 (IVA devengado) y en las casillas 36 a 39 (IVA deducible), aplicando la inversión del sujeto pasivo. Además, presenta el modelo 349 como resumen trimestral de operaciones intracomunitarias. Si gestionas ",{"text":3849,"type":116,"marks":3850},"facturas simplificadas",[3851],{"type":247,"attrs":3852},{"href":3853,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.spendesk.com/es/blog/factura-simplificada/",{"text":3855,"type":116},", ten en cuenta que no son válidas para operaciones intracomunitarias. --- Preparar el modelo 303 cada trimestre no tiene por qué consumir días de trabajo manual. Cuando cada gasto lleva el justificante, la categoría de IVA y la aprobación desde el momento en que se produce, el cierre trimestral se reduce a una revisión final.",[3857],{"cta":3858,"_uid":3859,"title":3860,"eyebrow":3866,"subtitle":3871,"component":177,"textAlign":90,"flexibleSection":3876,"sectionSettings":3877,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"73f53eca-6c38-4b8b-ae21-600bcda31b8c",{"type":107,"content":3861},[3862],{"type":177,"attrs":3863,"content":3864},{"level":179,"textAlign":25},[3865],{"text":503,"type":116},{"type":107,"content":3867},[3868],{"type":110,"attrs":3869,"content":3870},{"textAlign":25},[],{"type":107,"content":3872},[3873],{"type":110,"attrs":3874,"content":3875},{"textAlign":25},[],[],[],"modelo-303-que-es-como-presentarlo","es/blog/modelo-303-que-es-como-presentarlo",-1810,[],"2d457208-a36e-4b52-bdcf-9b37ccb5ce30","2026-06-10T13:00:43.135Z",[],"blog/modelo-303-que-es-como-presentarlo",[3887,3888,3889],{"path":3885,"name":25,"lang":37,"published":25},{"path":3885,"name":25,"lang":39,"published":25},{"path":3885,"name":25,"lang":32,"published":25},{"name":3891,"created_at":3892,"published_at":3893,"updated_at":3894,"id":3895,"uuid":3896,"content":3897,"slug":4015,"full_slug":4016,"sort_by_date":25,"position":4017,"tag_list":4018,"is_startpage":28,"parent_id":521,"meta_data":25,"group_id":4019,"first_published_at":4020,"release_id":25,"lang":32,"path":25,"alternates":4021,"default_full_slug":4022,"translated_slugs":4023},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-07-15T12:23:14.902Z","2026-08-11T08:51:58.451Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":3898,"title":3891,"topics":3899,"noIndex":28,"category":3916,"language":3925,"component":412,"heroMedia":3926,"metaTitle":3927,"publishedAt":3928,"readingTime":2286,"redirectUrl":90,"listingImage":3929,"metaDescription":3936,"bottomArticleCta":3937,"componentsAfterTheArticle":3938},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3900,3908],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3901,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3902,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3903,"default_full_slug":147,"translated_slugs":3904,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3905,3906,3907],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":153,"created_at":154,"published_at":16,"updated_at":155,"id":156,"uuid":157,"content":3909,"slug":159,"full_slug":160,"sort_by_date":25,"position":141,"tag_list":3910,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":162,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3911,"default_full_slug":164,"translated_slugs":3912,"_stopResolving":41},{"_uid":138,"name":153,"component":22},[],[],[3913,3914,3915],{"path":164,"name":25,"lang":37,"published":25},{"path":164,"name":25,"lang":39,"published":25},{"path":164,"name":25,"lang":32,"published":25},{"name":400,"created_at":401,"published_at":16,"updated_at":402,"id":403,"uuid":404,"content":3917,"slug":412,"full_slug":413,"sort_by_date":25,"position":52,"tag_list":3919,"is_startpage":28,"parent_id":415,"meta_data":25,"group_id":416,"first_published_at":417,"release_id":25,"lang":32,"path":25,"alternates":3920,"default_full_slug":419,"translated_slugs":3921,"_stopResolving":41},{"_uid":406,"icon":3918,"name":400,"component":411},{"id":408,"alt":409,"name":90,"focus":90,"title":90,"filename":410,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3922,3923,3924],{"path":419,"name":25,"lang":37,"published":25},{"path":419,"name":25,"lang":39,"published":25},{"path":419,"name":25,"lang":32,"published":25},[32],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00",[3930],{"_uid":3931,"asset":3932,"caption":90,"component":2721},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3933,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3934,"copyright":90,"fieldtype":95,"meta_data":3935,"is_external_url":28},198050494748961,"https://a.storyblok.com/f/146026/1538x858/a3a2285d8a/spendesk_blog_cover_periodo_pago_v2.jpg",{},"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[],[3939],{"_uid":3940,"items":3941,"heading":826,"component":516},"d437e15a-ca83-40ff-962f-928bbc083496",[3942,3960,3970,3980,3990],{"_uid":3943,"title":3944,"component":439,"description":3945},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3946},[3947],{"type":110,"attrs":3948,"content":3949},{"textAlign":25},[3950,3952,3958],{"text":3951,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3953,"type":116,"marks":3954},"Ley 15/2010",[3955],{"type":247,"attrs":3956},{"href":3957,"uuid":25,"anchor":25,"target":250,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3959,"type":116},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":3961,"title":3962,"component":439,"description":3963},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3964},[3965],{"type":110,"attrs":3966,"content":3967},{"textAlign":25},[3968],{"text":3969,"type":116},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":3971,"title":3972,"component":439,"description":3973},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3974},[3975],{"type":110,"attrs":3976,"content":3977},{"textAlign":25},[3978],{"text":3979,"type":116},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":3981,"title":3982,"component":439,"description":3983},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3984},[3985],{"type":110,"attrs":3986,"content":3987},{"textAlign":25},[3988],{"text":3989,"type":116},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":3991,"title":3992,"component":439,"description":3993},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3994},[3995],{"type":110,"attrs":3996,"content":3997},{"textAlign":25},[3998,4000,4006,4008,4014],{"text":3999,"type":116},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[4067],{"_uid":4068,"asset":4069,"caption":90,"component":2721},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":4070,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4071,"copyright":90,"fieldtype":95,"meta_data":4072,"is_external_url":28},198047324595677,"https://a.storyblok.com/f/146026/2752x1536/11fd6b63a0/spendesk_blog_cover_anticipo_proveedores.jpg",{},"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[4076],{"_uid":4077,"items":4078,"heading":826,"component":516},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[4079,4089,4099,4109,4119,4129,4139],{"_uid":4080,"title":4081,"component":439,"description":4082},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":4083},[4084],{"type":110,"attrs":4085,"content":4086},{"textAlign":25},[4087],{"text":4088,"type":116},"El anticipo a proveedores es activo corriente, ya que se espera liquidar dentro del ciclo normal de explotación, inferior a 12 meses en la mayoría de las operaciones comerciales.",{"_uid":4090,"title":4091,"component":439,"description":4092},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":4093},[4094],{"type":110,"attrs":4095,"content":4096},{"textAlign":25},[4097],{"text":4098,"type":116},"Sí. El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":4100,"title":4101,"component":439,"description":4102},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":4103},[4104],{"type":110,"attrs":4105,"content":4106},{"textAlign":25},[4107],{"text":4108,"type":116},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":4110,"title":4111,"component":439,"description":4112},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":4113},[4114],{"type":110,"attrs":4115,"content":4116},{"textAlign":25},[4117],{"text":4118,"type":116},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":4120,"title":4121,"component":439,"description":4122},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":4123},[4124],{"type":110,"attrs":4125,"content":4126},{"textAlign":25},[4127],{"text":4128,"type":116},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":4130,"title":4131,"component":439,"description":4132},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":4133},[4134],{"type":110,"attrs":4135,"content":4136},{"textAlign":25},[4137],{"text":4138,"type":116},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":4140,"title":4141,"component":439,"description":4142},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":4143},[4144],{"type":110,"attrs":4145,"content":4146},{"textAlign":25},[4147],{"text":4148,"type":116},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1710,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[4158,4159,4160],{"path":4156,"name":25,"lang":37,"published":25},{"path":4156,"name":25,"lang":39,"published":25},{"path":4156,"name":25,"lang":32,"published":25},[4162,4163,4164,4165],["Reactive",2385],["Reactive",3626],["Reactive",3089],["Reactive",3491],1786526089430]