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financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":157,"name":172,"component":23},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[185,186,187],{"path":183,"name":26,"lang":38,"published":26},{"path":183,"name":26,"lang":40,"published":26},{"path":183,"name":26,"lang":33,"published":26},{"type":126,"content":189},[190,195,202,218,224,230,235,249,263,269,275,280,285,293,298,323,328,335,341,375,381,386,392,406,412,417,423,429,449,454,460,472,498],{"type":129,"attrs":191,"content":192},{"textAlign":26,"key":131},[193],{"text":194,"type":135},"Un proveedor te solicita un pago por adelantado antes de enviar el pedido. Transfieres el importe, pero la factura definitiva no llegará hasta dentro de varias semanas. Entre medias, el IVA (Impuesto sobre el Valor Añadido) ya se ha devengado, el Modelo 303 trimestral se acerca y la cuenta 407 acumula un saldo que necesita cuadrar con la factura final. Este desfase entre el momento del pago y el de la recepción de la factura genera errores de conciliación, deducciones de IVA mal imputadas y saldos descuadrados en el balance. En este artículo se explica qué es la cuenta 407, cómo se contabiliza paso a paso un anticipo a proveedores, cuál es el tratamiento correcto del IVA y cómo se gestiona todo el ciclo hasta la liquidación final.",{"type":196,"attrs":197,"content":199},"heading",{"level":198,"textAlign":26},2,[200],{"text":201,"type":135},"Definición y naturaleza contable de la cuenta 407",{"type":129,"attrs":203,"content":205},{"textAlign":26,"key":204},"p-1",[206,208,216],{"text":207,"type":135},"La cuenta 407, \"Anticipos a proveedores\", recoge las entregas a cuenta de futuras compras o prestaciones de servicios. El ",{"text":209,"type":135,"marks":210},"Plan General Contable",[211],{"type":212,"attrs":213},"link",{"href":214,"uuid":26,"anchor":26,"target":215,"linktype":117},"https://www.plangeneralcontable.com/?tit=cuenta-407-anticipos-a-proveedores&name=GeTia&contentId=pgc_407","_blank",{"text":217,"type":135}," (PGC) la sitúa dentro del Grupo 4, dedicado a acreedores y deudores por operaciones comerciales. A diferencia de la cuenta 400, \"Proveedores\", que refleja una deuda pendiente de pago, la cuenta 407 representa un derecho de cobro: dinero que la empresa ya ha entregado y que el proveedor aún no ha compensado con la entrega del bien o la prestación del servicio.",{"type":129,"attrs":219,"content":221},{"textAlign":26,"key":220},"p-2",[222],{"text":223,"type":135},"Esta distinción determina su clasificación en el balance. La cuenta 407 es un activo corriente, porque el anticipo a proveedores se liquidará dentro del ciclo normal de explotación, generalmente inferior a 12 meses. Aparece en el activo del balance, no en el pasivo.",{"type":129,"attrs":225,"content":227},{"textAlign":26,"key":226},"p-3",[228],{"text":229,"type":135},"Imagina que, como Responsable de Administración de una pyme de 120 empleados, revisas el balance a cierre de trimestre. Observas un saldo de 3.000 € en la cuenta 407. Ese importe no es un gasto; es un activo que refleja anticipos pendientes de aplicar a facturas definitivas. Si la factura final ya llegó y no se reclasificó el saldo, el balance muestra una imagen distorsionada del circulante. La revisión periódica de la cuenta de anticipos a proveedores evita este tipo de descuadres y garantiza que el activo corriente refleje derechos reales de cobro, no operaciones ya liquidadas.",{"type":196,"attrs":231,"content":232},{"level":198,"textAlign":26},[233],{"text":234,"type":135},"Tratamiento del IVA en los anticipos a proveedores",{"type":129,"attrs":236,"content":238},{"textAlign":26,"key":237},"p-4",[239,241,247],{"text":240,"type":135},"El artículo 75 de la ",{"text":242,"type":135,"marks":243},"Ley 37/1992 LIVA",[244],{"type":212,"attrs":245},{"href":246,"uuid":26,"anchor":26,"target":215,"linktype":117},"https://www.boe.es/buscar/act.php?id=BOE-A-1992-28740",{"text":248,"type":135}," establece que el IVA se devenga en el momento del pago, no en el momento de la entrega del bien. Cuando abonas un anticipo a un proveedor, el IVA correspondiente a ese anticipo ya es exigible. El proveedor está obligado a emitir una factura de anticipo que documente la operación y repercuta el IVA al tipo aplicable.",{"type":129,"attrs":250,"content":252},{"textAlign":26,"key":251},"p-5",[253,255,261],{"text":254,"type":135},"Esta factura de anticipo permite deducir el IVA soportado en el ",{"text":256,"type":135,"marks":257},"Modelo 303",[258],{"type":212,"attrs":259},{"href":260,"uuid":26,"anchor":26,"target":215,"linktype":117},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G414.shtml",{"text":262,"type":135}," del trimestre en que se realizó el pago. Si tu empresa abona 2.000 € netos más 420 € de IVA al 21 % en marzo, esos 420 € de IVA soportado se incluyen en la autoliquidación del primer trimestre, no en el trimestre en que llegue la factura definitiva.",{"type":129,"attrs":264,"content":266},{"textAlign":26,"key":265},"p-6",[267],{"text":268,"type":135},"Para las empresas obligadas al SII (Suministro Inmediato de Información), la factura de anticipo debe comunicarse a la AEAT en un plazo de cuatro días naturales desde la fecha de registro contable. El incumplimiento de este plazo puede derivar en sanciones, por lo que el registro inmediato del anticipo no es solo una buena práctica contable, sino una obligación de comunicación.",{"type":129,"attrs":270,"content":272},{"textAlign":26,"key":271},"p-7",[273],{"text":274,"type":135},"Un aspecto que genera confusión con frecuencia: cuando llega la factura definitiva, el IVA correspondiente a la parte ya anticipada no se deduce de nuevo. Solo se deduce el IVA sobre el importe restante. Contabilizar anticipos a proveedores sin tener en cuenta esta mecánica duplica la deducción del IVA y provoca incidencias en la conciliación con el Modelo 303.",{"type":196,"attrs":276,"content":277},{"level":198,"textAlign":26},[278],{"text":279,"type":135},"Asiento contable del anticipo a proveedores paso a paso",{"type":129,"attrs":281,"content":282},{"textAlign":26,"key":131},[283],{"text":284,"type":135},"El registro contable de un anticipo a proveedores se realiza en dos momentos: el pago del anticipo y la recepción de la factura definitiva.",{"type":129,"attrs":286,"content":287},{"textAlign":26,"key":204},[288],{"text":289,"type":135,"marks":290},"Paso 1: asiento en el momento del pago del anticipo",[291],{"type":292},"bold",{"type":129,"attrs":294,"content":295},{"textAlign":26,"key":220},[296],{"text":297,"type":135},"Imagina una compra total prevista de 5.000 € (base imponible) con IVA al 21 %. La empresa abona un anticipo de 2.000 € más el IVA correspondiente (420 €). El asiento es el siguiente:",{"type":299,"content":300},"bullet_list",[301,309,316],{"type":302,"content":303},"list_item",[304],{"type":129,"attrs":305,"content":306},{"textAlign":26,"key":226},[307],{"text":308,"type":135},"Debe: 407 Anticipos a proveedores, 2.000,00 €",{"type":302,"content":310},[311],{"type":129,"attrs":312,"content":313},{"textAlign":26,"key":237},[314],{"text":315,"type":135},"Debe: 472 Hacienda Pública, IVA soportado, 420,00 €",{"type":302,"content":317},[318],{"type":129,"attrs":319,"content":320},{"textAlign":26,"key":251},[321],{"text":322,"type":135},"Haber: 572 Bancos, 2.420,00 €",{"type":129,"attrs":324,"content":325},{"textAlign":26,"key":265},[326],{"text":327,"type":135},"En este momento, la empresa tiene un activo (el derecho sobre el proveedor por 2.000 €), ha deducido 420 € de IVA soportado y ha reducido su tesorería en 2.420 €.",{"type":129,"attrs":329,"content":330},{"textAlign":26,"key":271},[331],{"text":332,"type":135,"marks":333},"Paso 2: asiento al recibir la factura definitiva",[334],{"type":292},{"type":129,"attrs":336,"content":338},{"textAlign":26,"key":337},"p-8",[339],{"text":340,"type":135},"El proveedor entrega la mercancía y emite la factura por los 5.000 € de base imponible. El IVA total de la operación asciende a 1.050 € (21 % sobre 5.000 €), pero 420 € ya se han registrado con el anticipo. Solo resta deducir el IVA sobre los 3.000 € pendientes: 630 €. El asiento de liquidación queda así:",{"type":299,"content":342},[343,351,359,367],{"type":302,"content":344},[345],{"type":129,"attrs":346,"content":348},{"textAlign":26,"key":347},"p-9",[349],{"text":350,"type":135},"Debe: 600 Compras de mercaderías, 5.000,00 €",{"type":302,"content":352},[353],{"type":129,"attrs":354,"content":356},{"textAlign":26,"key":355},"p-10",[357],{"text":358,"type":135},"Debe: 472 Hacienda Pública, IVA soportado, 630,00 €",{"type":302,"content":360},[361],{"type":129,"attrs":362,"content":364},{"textAlign":26,"key":363},"p-11",[365],{"text":366,"type":135},"Haber: 407 Anticipos a proveedores, 2.000,00 €",{"type":302,"content":368},[369],{"type":129,"attrs":370,"content":372},{"textAlign":26,"key":371},"p-12",[373],{"text":374,"type":135},"Haber: 572 Bancos, 3.630,00 €",{"type":129,"attrs":376,"content":378},{"textAlign":26,"key":377},"p-13",[379],{"text":380,"type":135},"Tras este asiento, la cuenta 407 queda saldada, el gasto de 5.000 € se ha reconocido íntegramente en la cuenta 600 y el IVA total deducido (420 € + 630 €) coincide con los 1.050 € que figuran en la factura definitiva. Si tu gestoría revisa estos movimientos, encontrarás una trazabilidad limpia entre el anticipo, la factura final y las liquidaciones de IVA trimestrales.",{"type":196,"attrs":382,"content":383},{"level":198,"textAlign":26},[384],{"text":385,"type":135},"Facturas pendientes de recibir y su relación con los anticipos",{"type":129,"attrs":387,"content":389},{"textAlign":26,"key":388},"p-14",[390],{"text":391,"type":135},"La cuenta 4009, \"Proveedores, facturas pendientes de recibir\", refleja la situación inversa al anticipo: la empresa ya ha recibido la mercancía o el servicio, pero la factura del proveedor aún no ha llegado. Ambas cuentas, la 407 y la 4009, gestionan un problema común: el desfase temporal entre el flujo económico y el flujo documental.",{"type":129,"attrs":393,"content":395},{"textAlign":26,"key":394},"p-15",[396,398,404],{"text":397,"type":135},"A ",{"text":399,"type":135,"marks":400},"cierre de mes",[401],{"type":212,"attrs":402},{"href":403,"uuid":26,"anchor":26,"target":215,"linktype":117},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":405,"type":135},", un Controller de una empresa de 80 empleados se enfrenta a la siguiente situación: tiene tres anticipos abiertos en la cuenta 407 por un total de 6.500 € y dos provisiones en la cuenta 4009 por 4.200 € correspondientes a mercancía recibida sin factura. La conciliación requiere cruzar ambos saldos con la documentación disponible. Si un anticipo de 2.500 € corresponde a un proveedor que ya ha entregado el material pero no ha emitido factura, ese importe debería estar tanto en la 407 (por el anticipo pagado) como provisionado en la 4009 (por la recepción sin factura). La revisión simultánea de ambas cuentas evita duplicidades y omisiones.",{"type":129,"attrs":407,"content":409},{"textAlign":26,"key":408},"p-16",[410],{"text":411,"type":135},"Contabilizar facturas pendientes de recibir correctamente es fundamental para que el cierre mensual refleje la realidad económica. La cuenta 4009 de facturas pendientes de recibir se abona cuando la empresa reconoce la obligación y se cancela cuando llega la factura definitiva. En la práctica, muchas pymes no provisionan en la 4009 y descubren el descuadre al trimestre siguiente, cuando la factura llega y el gasto se imputa fuera de periodo. La revisión conjunta de los saldos de la 407 y la 4009 al cierre de cada mes permite detectar operaciones en tránsito, anticipar su impacto en la cuenta de resultados y preparar el cierre trimestral sin sorpresas.",{"type":196,"attrs":413,"content":414},{"level":198,"textAlign":26},[415],{"text":416,"type":135},"Gestión eficiente de anticipos en el día a día",{"type":129,"attrs":418,"content":420},{"textAlign":26,"key":419},"p-17",[421],{"text":422,"type":135},"Cuando una empresa trabaja con 15 o 20 proveedores distintos y mantiene anticipos abiertos de importes y plazos diferentes, el seguimiento manual se convierte en una fuente constante de errores. Cada anticipo lleva asociado un IVA con fecha de devengo propia, una factura de anticipo que debe registrarse en el libro registro de facturas recibidas y un vencimiento de liquidación que depende de la entrega del proveedor.",{"type":129,"attrs":424,"content":426},{"textAlign":26,"key":425},"p-18",[427],{"text":428,"type":135},"El libro registro de facturas recibidas, obligatorio para todos los empresarios y profesionales según la normativa del IVA, debe incluir las facturas de anticipo con la misma diligencia que las facturas definitivas. Digitalizar facturas recibidas, tanto las de anticipo como las definitivas, simplifica el cumplimiento de esta obligación y reduce el riesgo de omisiones en el SII.",{"type":129,"attrs":430,"content":432},{"textAlign":26,"key":431},"p-19",[433,435,441,443,447],{"text":434,"type":135},"Las herramientas digitales de ",{"text":436,"type":135,"marks":437},"gestión de cuentas a pagar",[438],{"type":212,"attrs":439},{"href":440,"uuid":26,"anchor":26,"target":215,"linktype":117},"https://www.spendesk.com/es/platform/invoice-management/",{"text":442,"type":135}," permiten automatizar la conciliación entre anticipos y facturas finales. La plataforma de Spendesk, por ejemplo, extrae los datos de cada factura mediante OCR, los dirige a través de flujos de aprobación configurables y cruza automáticamente los anticipos registrados con las facturas definitivas cuando estas llegan. Ese proceso de conciliación automática entre el anticipo y la factura final elimina la revisión manual línea por línea que consume horas cada ",{"text":399,"type":135,"marks":444},[445],{"type":212,"attrs":446},{"href":403,"uuid":26,"anchor":26,"target":215,"linktype":117},{"text":448,"type":135},".",{"type":196,"attrs":450,"content":451},{"level":198,"textAlign":26},[452],{"text":453,"type":135},"Cancelación y devolución de anticipos",{"type":129,"attrs":455,"content":457},{"textAlign":26,"key":456},"p-20",[458],{"text":459,"type":135},"No todos los anticipos se liquidan con una factura definitiva por el importe total previsto. Cuando un proveedor entrega solo una parte del pedido, la cuenta 407 se cancela parcialmente por el importe correspondiente a la mercancía recibida, y el saldo restante permanece como activo hasta que se complete la entrega o se negocie la devolución.",{"type":129,"attrs":461,"content":463},{"textAlign":26,"key":462},"p-21",[464,466,470],{"text":465,"type":135},"Imagina que tu empresa anticipó 2.000 € a un proveedor, pero finalmente solo ",{"text":467,"type":135,"marks":468},"recibió",[469],{"type":292},{"text":471,"type":135}," mercancía por valor de 1.200 € (base imponible). Los 800 € restantes deben devolverse. El proveedor emite una factura rectificativa que anula la parte no entregada del anticipo y su IVA correspondiente. El asiento de devolución registra el ingreso en banco por 968 € (800 € más 168 € de IVA) y cancela el saldo pendiente en la cuenta 407.",{"type":299,"content":473},[474,482,490],{"type":302,"content":475},[476],{"type":129,"attrs":477,"content":479},{"textAlign":26,"key":478},"p-22",[480],{"text":481,"type":135},"Debe: 572 Bancos, 968,00 €",{"type":302,"content":483},[484],{"type":129,"attrs":485,"content":487},{"textAlign":26,"key":486},"p-23",[488],{"text":489,"type":135},"Haber: 407 Anticipos a proveedores, 800,00 €",{"type":302,"content":491},[492],{"type":129,"attrs":493,"content":495},{"textAlign":26,"key":494},"p-24",[496],{"text":497,"type":135},"Haber: 472 Hacienda Pública, IVA soportado, 168,00 €",{"type":129,"attrs":499,"content":501},{"textAlign":26,"key":500},"p-25",[502],{"text":503,"type":135},"La factura rectificativa es un requisito legal, no opcional. Sin ella, la AEAT puede cuestionar la regularización del IVA previamente deducido. Conserva siempre el documento del proveedor junto con el justificante de la transferencia de devolución para completar la trazabilidad de la operación.",{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":510,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":519,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":523,"default_full_slug":524,"translated_slugs":525,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":511,"icon":512,"name":505,"component":516},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[526,527,528],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp",[],"2026-04-30 00:00","11",[536],{"_uid":537,"asset":538,"caption":109,"component":542},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":539,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":540,"copyright":109,"fieldtype":114,"meta_data":541,"is_external_url":29},198047324595677,"https://a.storyblok.com/f/146026/2752x1536/11fd6b63a0/spendesk_blog_cover_anticipo_proveedores.jpg",{},"image","Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[546],{"_uid":547,"items":548,"heading":620,"component":621},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[549,560,570,580,590,600,610],{"_uid":550,"title":551,"component":552,"description":553},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?","faqItem",{"type":126,"content":554},[555],{"type":129,"attrs":556,"content":557},{"textAlign":26,"key":131},[558],{"text":559,"type":135},"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":561,"title":562,"component":552,"description":563},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":126,"content":564},[565],{"type":129,"attrs":566,"content":567},{"textAlign":26,"key":131},[568],{"text":569,"type":135},"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":571,"title":572,"component":552,"description":573},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":126,"content":574},[575],{"type":129,"attrs":576,"content":577},{"textAlign":26,"key":131},[578],{"text":579,"type":135},"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":581,"title":582,"component":552,"description":583},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":126,"content":584},[585],{"type":129,"attrs":586,"content":587},{"textAlign":26,"key":131},[588],{"text":589,"type":135},"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":591,"title":592,"component":552,"description":593},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":126,"content":594},[595],{"type":129,"attrs":596,"content":597},{"textAlign":26,"key":131},[598],{"text":599,"type":135},"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":601,"title":602,"component":552,"description":603},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":126,"content":604},[605],{"type":129,"attrs":606,"content":607},{"textAlign":26,"key":131},[608],{"text":609,"type":135},"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":611,"title":612,"component":552,"description":613},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":126,"content":614},[615],{"type":129,"attrs":616,"content":617},{"textAlign":26,"key":131},[618],{"text":619,"type":135},"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 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Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":129,"attrs":2350,"content":2351},{"textAlign":26},[2352],{"text":2353,"type":135},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":129,"attrs":2397,"content":2398},{"textAlign":26},[2399,2403,2404],{"text":2400,"type":135,"marks":2401},"Para los equipos financieros",[2402],{"type":292},{"type":2232},{"text":2405,"type":135},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":129,"attrs":2407,"content":2408},{"textAlign":26},[2409],{"text":2410,"type":135},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. 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Esto significa que ya no se pierden los recibos.",{"type":129,"attrs":2417,"content":2418},{"textAlign":26},[2419],{"text":2420,"type":135},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":129,"attrs":2422,"content":2423},{"textAlign":26},[2424],{"text":2425,"type":135},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2427],{"cta":2428,"_uid":2429,"title":2430,"eyebrow":2437,"subtitle":2440,"component":196,"textAlign":109,"sectionSettings":2446,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":109},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":126,"content":2431},[2432],{"type":196,"attrs":2433,"content":2434},{"level":198},[2435],{"text":2436,"type":135},"Empezar con Spendesk",{"type":126,"content":2438},[2439],{"type":129},{"type":126,"content":2441},[2442],{"type":129,"content":2443},[2444],{"text":2445,"type":135},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2451,2589,2728,2856,2985,3124,3260,3396,3524,3660,3797,3890,4004,4096,4220],{"name":2452,"created_at":2453,"published_at":2454,"updated_at":2455,"id":2456,"uuid":2457,"content":2458,"slug":2577,"full_slug":2578,"sort_by_date":26,"position":2579,"tag_list":2580,"is_startpage":29,"parent_id":626,"meta_data":26,"group_id":2581,"first_published_at":2582,"release_id":26,"lang":33,"path":26,"alternates":2583,"default_full_slug":2584,"translated_slugs":2585},"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","2026-07-15T08:16:43.832Z",193745630893250,"ce78448b-8771-4c18-9a35-8bb164c3a7d4",{"_uid":2459,"title":2452,"topics":2460,"noIndex":29,"category":2469,"language":2478,"component":517,"heroMedia":2479,"metaTitle":2480,"publishedAt":109,"readingTime":534,"redirectUrl":109,"listingImage":2481,"metaDescription":2488,"bottomArticleCta":2489,"componentsAfterTheArticle":2490},"76408526-eb7e-480d-9298-165ef7536a41",[2461],{"name":151,"created_at":152,"published_at":16,"updated_at":153,"id":154,"uuid":155,"content":2462,"slug":158,"full_slug":159,"sort_by_date":26,"position":160,"tag_list":2463,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":163,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":2464,"default_full_slug":166,"translated_slugs":2465,"_stopResolving":42},{"_uid":157,"name":151,"component":23},[],[],[2466,2467,2468],{"path":166,"name":26,"lang":38,"published":26},{"path":166,"name":26,"lang":40,"published":26},{"path":166,"name":26,"lang":33,"published":26},{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":2470,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":2472,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":2473,"default_full_slug":524,"translated_slugs":2474,"_stopResolving":42},{"_uid":511,"icon":2471,"name":505,"component":516},{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},[],[],[2475,2476,2477],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"VeriFactu obliga a todas las empresas españolas desde 2027: ",[2482],{"_uid":2483,"asset":2484,"caption":109,"component":542},"52586025-c336-4774-a8c5-c57f25f5c4a6",{"id":2485,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":2486,"copyright":109,"fieldtype":114,"meta_data":2487,"is_external_url":29},198300667442794,"https://a.storyblok.com/f/146026/2752x1536/9eac618dac/spendesk_blog_cover_verifactu.jpg",{},"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",[],[2491],{"_uid":2492,"items":2493,"heading":2554,"component":621},"6221f5fe-5233-4732-a676-7ada5b311e94",[2494,2504,2514,2524,2534,2544],{"_uid":2495,"title":2496,"component":552,"description":2497},"4acb6789-7630-4509-a73d-4e8e0bccd29a","¿A qué empresas obliga VeriFactu y desde cuándo entra en vigor?",{"type":126,"content":2498},[2499],{"type":129,"attrs":2500,"content":2501},{"textAlign":26},[2502],{"text":2503,"type":135},"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":2505,"title":2506,"component":552,"description":2507},"8bec3011-a63e-4ae7-aa86-1c9bdfe0065c","¿En qué se diferencia VeriFactu de la factura electrónica obligatoria?",{"type":126,"content":2508},[2509],{"type":129,"attrs":2510,"content":2511},{"textAlign":26},[2512],{"text":2513,"type":135},"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":2515,"title":2516,"component":552,"description":2517},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":126,"content":2518},[2519],{"type":129,"attrs":2520,"content":2521},{"textAlign":26},[2522],{"text":2523,"type":135},"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":2525,"title":2526,"component":552,"description":2527},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":126,"content":2528},[2529],{"type":129,"attrs":2530,"content":2531},{"textAlign":26},[2532],{"text":2533,"type":135},"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":2535,"title":2536,"component":552,"description":2537},"eaefa95d-2386-4afc-b2d5-bd53e5076de2","¿VeriFactu afecta a las pymes y autónomos o solo a grandes empresas?",{"type":126,"content":2538},[2539],{"type":129,"attrs":2540,"content":2541},{"textAlign":26},[2542],{"text":2543,"type":135},"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":2545,"title":2546,"component":552,"description":2547},"a3d7430d-9897-48a0-89c5-85cbfd106cf4","¿Qué es VeriFactu?",{"type":126,"content":2548},[2549],{"type":129,"attrs":2550,"content":2551},{"textAlign":26},[2552],{"text":2553,"type":135},"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.",[2555],{"cta":2556,"_uid":2557,"title":2558,"eyebrow":2565,"subtitle":2570,"component":196,"textAlign":109,"flexibleSection":2575,"sectionSettings":2576,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":109},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":126,"content":2559},[2560],{"type":196,"attrs":2561,"content":2562},{"level":198,"textAlign":26},[2563],{"text":2564,"type":135},"Preguntas frecuentes",{"type":126,"content":2566},[2567],{"type":129,"attrs":2568,"content":2569},{"textAlign":26},[],{"type":126,"content":2571},[2572],{"type":129,"attrs":2573,"content":2574},{"textAlign":26},[],[],[],"que-es-verifactu","es/blog/que-es-verifactu",-2130,[],"1275fab4-f0c8-40a2-bfbe-371e91cd12a9","2026-07-02T11:12:59.480Z",[],"blog/que-es-verifactu",[2586,2587,2588],{"path":2584,"name":26,"lang":38,"published":26},{"path":2584,"name":26,"lang":40,"published":26},{"path":2584,"name":26,"lang":33,"published":26},{"name":2590,"created_at":2591,"published_at":2592,"updated_at":2593,"id":2594,"uuid":2595,"content":2596,"slug":2716,"full_slug":2717,"sort_by_date":26,"position":2718,"tag_list":2719,"is_startpage":29,"parent_id":626,"meta_data":26,"group_id":2720,"first_published_at":2721,"release_id":26,"lang":33,"path":26,"alternates":2722,"default_full_slug":2723,"translated_slugs":2724},"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":2597,"title":2590,"topics":2598,"noIndex":29,"category":2607,"language":2616,"component":517,"heroMedia":2617,"metaTitle":2618,"publishedAt":2619,"readingTime":2620,"redirectUrl":109,"listingImage":2621,"metaDescription":2628,"bottomArticleCta":2629,"componentsAfterTheArticle":2630},"0d77ded5-886f-419e-9cda-bce11bcf3406",[2599],{"name":151,"created_at":152,"published_at":16,"updated_at":153,"id":154,"uuid":155,"content":2600,"slug":158,"full_slug":159,"sort_by_date":26,"position":160,"tag_list":2601,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":163,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":2602,"default_full_slug":166,"translated_slugs":2603,"_stopResolving":42},{"_uid":157,"name":151,"component":23},[],[],[2604,2605,2606],{"path":166,"name":26,"lang":38,"published":26},{"path":166,"name":26,"lang":40,"published":26},{"path":166,"name":26,"lang":33,"published":26},{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":2608,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":2610,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":2611,"default_full_slug":524,"translated_slugs":2612,"_stopResolving":42},{"_uid":511,"icon":2609,"name":505,"component":516},{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},[],[],[2613,2614,2615],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00","10",[2622],{"_uid":2623,"asset":2624,"caption":109,"component":542},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":2625,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":2626,"copyright":109,"fieldtype":114,"meta_data":2627,"is_external_url":29},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",[],[2631],{"_uid":2632,"items":2633,"heading":2694,"component":621},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[2634,2644,2654,2664,2674,2684],{"_uid":2635,"title":2636,"component":552,"description":2637},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":126,"content":2638},[2639],{"type":129,"attrs":2640,"content":2641},{"textAlign":26},[2642],{"text":2643,"type":135},"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":2645,"title":2646,"component":552,"description":2647},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":126,"content":2648},[2649],{"type":129,"attrs":2650,"content":2651},{"textAlign":26},[2652],{"text":2653,"type":135},"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. Además, el acreedor tiene derecho a una compensación fija de 40 euros por factura.",{"_uid":2655,"title":2656,"component":552,"description":2657},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":126,"content":2658},[2659],{"type":129,"attrs":2660,"content":2661},{"textAlign":26},[2662],{"text":2663,"type":135},"El RD 238/2026 obliga a registrar electrónicamente la fecha de pago de cada factura B2B. Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":2665,"title":2666,"component":552,"description":2667},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":126,"content":2668},[2669],{"type":129,"attrs":2670,"content":2671},{"textAlign":26},[2672],{"text":2673,"type":135},"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":2675,"title":2676,"component":552,"description":2677},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":126,"content":2678},[2679],{"type":129,"attrs":2680,"content":2681},{"textAlign":26},[2682],{"text":2683,"type":135},"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":2685,"title":2686,"component":552,"description":2687},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":126,"content":2688},[2689],{"type":129,"attrs":2690,"content":2691},{"textAlign":26},[2692],{"text":2693,"type":135},"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.",[2695],{"cta":2696,"_uid":2697,"title":2698,"eyebrow":2704,"subtitle":2709,"component":196,"textAlign":109,"flexibleSection":2714,"sectionSettings":2715,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":109},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":126,"content":2699},[2700],{"type":196,"attrs":2701,"content":2702},{"level":198,"textAlign":26},[2703],{"text":2564,"type":135},{"type":126,"content":2705},[2706],{"type":129,"attrs":2707,"content":2708},{"textAlign":26},[],{"type":126,"content":2710},[2711],{"type":129,"attrs":2712,"content":2713},{"textAlign":26},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2110,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614","2026-07-01T14:17:36.219Z",[],"blog/morosidad-facturacion-electronica-b2b",[2725,2726,2727],{"path":2723,"name":26,"lang":38,"published":26},{"path":2723,"name":26,"lang":40,"published":26},{"path":2723,"name":26,"lang":33,"published":26},{"name":2729,"created_at":2730,"published_at":2731,"updated_at":2732,"id":2733,"uuid":2734,"content":2735,"slug":2844,"full_slug":2845,"sort_by_date":26,"position":2846,"tag_list":2847,"is_startpage":29,"parent_id":626,"meta_data":26,"group_id":2848,"first_published_at":2849,"release_id":26,"lang":33,"path":26,"alternates":2850,"default_full_slug":2851,"translated_slugs":2852},"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":2736,"title":2729,"topics":2737,"noIndex":29,"category":2746,"language":2755,"component":517,"heroMedia":2756,"metaTitle":2757,"publishedAt":2758,"readingTime":2620,"redirectUrl":109,"listingImage":2759,"metaDescription":2766,"bottomArticleCta":2767,"componentsAfterTheArticle":2768},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[2738],{"name":151,"created_at":152,"published_at":16,"updated_at":153,"id":154,"uuid":155,"content":2739,"slug":158,"full_slug":159,"sort_by_date":26,"position":160,"tag_list":2740,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":163,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":2741,"default_full_slug":166,"translated_slugs":2742,"_stopResolving":42},{"_uid":157,"name":151,"component":23},[],[],[2743,2744,2745],{"path":166,"name":26,"lang":38,"published":26},{"path":166,"name":26,"lang":40,"published":26},{"path":166,"name":26,"lang":33,"published":26},{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":2747,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":2749,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":2750,"default_full_slug":524,"translated_slugs":2751,"_stopResolving":42},{"_uid":511,"icon":2748,"name":505,"component":516},{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},[],[],[2752,2753,2754],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[2760],{"_uid":2761,"asset":2762,"caption":109,"component":542},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":2763,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":2764,"copyright":109,"fieldtype":114,"meta_data":2765,"is_external_url":29},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",[],[2769],{"_uid":2770,"items":2771,"heading":2822,"component":621},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[2772,2782,2792,2802,2812],{"_uid":2773,"title":2774,"component":552,"description":2775},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":126,"content":2776},[2777],{"type":129,"attrs":2778,"content":2779},{"textAlign":26},[2780],{"text":2781,"type":135},"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":2783,"title":2784,"component":552,"description":2785},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":126,"content":2786},[2787],{"type":129,"attrs":2788,"content":2789},{"textAlign":26},[2790],{"text":2791,"type":135},"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":2793,"title":2794,"component":552,"description":2795},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":126,"content":2796},[2797],{"type":129,"attrs":2798,"content":2799},{"textAlign":26},[2800],{"text":2801,"type":135},"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":2803,"title":2804,"component":552,"description":2805},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":126,"content":2806},[2807],{"type":129,"attrs":2808,"content":2809},{"textAlign":26},[2810],{"text":2811,"type":135},"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":2813,"title":2814,"component":552,"description":2815},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":126,"content":2816},[2817],{"type":129,"attrs":2818,"content":2819},{"textAlign":26},[2820],{"text":2821,"type":135},"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.",[2823],{"cta":2824,"_uid":2825,"title":2826,"eyebrow":2832,"subtitle":2837,"component":196,"textAlign":109,"flexibleSection":2842,"sectionSettings":2843,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":109},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":126,"content":2827},[2828],{"type":196,"attrs":2829,"content":2830},{"level":198,"textAlign":26},[2831],{"text":2564,"type":135},{"type":126,"content":2833},[2834],{"type":129,"attrs":2835,"content":2836},{"textAlign":26},[],{"type":126,"content":2838},[2839],{"type":129,"attrs":2840,"content":2841},{"textAlign":26},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2100,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[2853,2854,2855],{"path":2851,"name":26,"lang":38,"published":26},{"path":2851,"name":26,"lang":40,"published":26},{"path":2851,"name":26,"lang":33,"published":26},{"name":2857,"created_at":2858,"published_at":2859,"updated_at":2860,"id":2861,"uuid":2862,"content":2863,"slug":2973,"full_slug":2974,"sort_by_date":26,"position":2975,"tag_list":2976,"is_startpage":29,"parent_id":626,"meta_data":26,"group_id":2977,"first_published_at":2978,"release_id":26,"lang":33,"path":26,"alternates":2979,"default_full_slug":2980,"translated_slugs":2981},"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":2864,"title":2857,"topics":2865,"noIndex":29,"category":2874,"language":2883,"component":517,"heroMedia":2884,"metaTitle":2885,"publishedAt":2886,"readingTime":2887,"redirectUrl":109,"listingImage":2888,"metaDescription":2895,"bottomArticleCta":2896,"componentsAfterTheArticle":2897},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[2866],{"name":151,"created_at":152,"published_at":16,"updated_at":153,"id":154,"uuid":155,"content":2867,"slug":158,"full_slug":159,"sort_by_date":26,"position":160,"tag_list":2868,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":163,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":2869,"default_full_slug":166,"translated_slugs":2870,"_stopResolving":42},{"_uid":157,"name":151,"component":23},[],[],[2871,2872,2873],{"path":166,"name":26,"lang":38,"published":26},{"path":166,"name":26,"lang":40,"published":26},{"path":166,"name":26,"lang":33,"published":26},{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":2875,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":2877,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":2878,"default_full_slug":524,"translated_slugs":2879,"_stopResolving":42},{"_uid":511,"icon":2876,"name":505,"component":516},{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},[],[],[2880,2881,2882],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00","13",[2889],{"_uid":2890,"asset":2891,"caption":109,"component":542},"71b7f715-948b-4a24-8379-000055d9922b",{"id":2892,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":2893,"copyright":109,"fieldtype":114,"meta_data":2894,"is_external_url":29},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",[],[2898],{"_uid":2899,"items":2900,"heading":2951,"component":621},"392b2cba-2459-4fae-9ca3-82a370a248fc",[2901,2911,2921,2931,2941],{"_uid":2902,"title":2903,"component":552,"description":2904},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":126,"content":2905},[2906],{"type":129,"attrs":2907,"content":2908},{"textAlign":26},[2909],{"text":2910,"type":135},"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":2912,"title":2913,"component":552,"description":2914},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":126,"content":2915},[2916],{"type":129,"attrs":2917,"content":2918},{"textAlign":26},[2919],{"text":2920,"type":135},"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":2922,"title":2923,"component":552,"description":2924},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":126,"content":2925},[2926],{"type":129,"attrs":2927,"content":2928},{"textAlign":26},[2929],{"text":2930,"type":135},"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":2932,"title":2933,"component":552,"description":2934},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":126,"content":2935},[2936],{"type":129,"attrs":2937,"content":2938},{"textAlign":26},[2939],{"text":2940,"type":135},"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":2942,"title":2943,"component":552,"description":2944},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":126,"content":2945},[2946],{"type":129,"attrs":2947,"content":2948},{"textAlign":26},[2949],{"text":2950,"type":135},"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.",[2952],{"cta":2953,"_uid":2954,"title":2955,"eyebrow":2961,"subtitle":2966,"component":196,"textAlign":109,"flexibleSection":2971,"sectionSettings":2972,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":109},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":126,"content":2956},[2957],{"type":196,"attrs":2958,"content":2959},{"level":198,"textAlign":26},[2960],{"text":2564,"type":135},{"type":126,"content":2962},[2963],{"type":129,"attrs":2964,"content":2965},{"textAlign":26},[],{"type":126,"content":2967},[2968],{"type":129,"attrs":2969,"content":2970},{"textAlign":26},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2090,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[2982,2983,2984],{"path":2980,"name":26,"lang":38,"published":26},{"path":2980,"name":26,"lang":40,"published":26},{"path":2980,"name":26,"lang":33,"published":26},{"name":2986,"created_at":2987,"published_at":2988,"updated_at":2989,"id":2990,"uuid":2991,"content":2992,"slug":3112,"full_slug":3113,"sort_by_date":26,"position":3114,"tag_list":3115,"is_startpage":29,"parent_id":626,"meta_data":26,"group_id":3116,"first_published_at":3117,"release_id":26,"lang":33,"path":26,"alternates":3118,"default_full_slug":3119,"translated_slugs":3120},"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":2993,"title":2986,"topics":2994,"noIndex":29,"category":3003,"language":3012,"component":517,"heroMedia":3013,"metaTitle":3014,"publishedAt":3015,"readingTime":3016,"redirectUrl":109,"listingImage":3017,"metaDescription":3024,"bottomArticleCta":3025,"componentsAfterTheArticle":3026},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[2995],{"name":151,"created_at":152,"published_at":16,"updated_at":153,"id":154,"uuid":155,"content":2996,"slug":158,"full_slug":159,"sort_by_date":26,"position":160,"tag_list":2997,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":163,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":2998,"default_full_slug":166,"translated_slugs":2999,"_stopResolving":42},{"_uid":157,"name":151,"component":23},[],[],[3000,3001,3002],{"path":166,"name":26,"lang":38,"published":26},{"path":166,"name":26,"lang":40,"published":26},{"path":166,"name":26,"lang":33,"published":26},{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":3004,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":3006,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":3007,"default_full_slug":524,"translated_slugs":3008,"_stopResolving":42},{"_uid":511,"icon":3005,"name":505,"component":516},{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},[],[],[3009,3010,3011],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00","12",[3018],{"_uid":3019,"asset":3020,"caption":109,"component":542},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":3021,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":3022,"copyright":109,"fieldtype":114,"meta_data":3023,"is_external_url":29},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",[],[3027],{"_uid":3028,"items":3029,"heading":3090,"component":621},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[3030,3040,3050,3060,3070,3080],{"_uid":3031,"title":3032,"component":552,"description":3033},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":126,"content":3034},[3035],{"type":129,"attrs":3036,"content":3037},{"textAlign":26},[3038],{"text":3039,"type":135},"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":3041,"title":3042,"component":552,"description":3043},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":126,"content":3044},[3045],{"type":129,"attrs":3046,"content":3047},{"textAlign":26},[3048],{"text":3049,"type":135},"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":3051,"title":3052,"component":552,"description":3053},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":126,"content":3054},[3055],{"type":129,"attrs":3056,"content":3057},{"textAlign":26},[3058],{"text":3059,"type":135},"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":3061,"title":3062,"component":552,"description":3063},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":126,"content":3064},[3065],{"type":129,"attrs":3066,"content":3067},{"textAlign":26},[3068],{"text":3069,"type":135},"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":3071,"title":3072,"component":552,"description":3073},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":126,"content":3074},[3075],{"type":129,"attrs":3076,"content":3077},{"textAlign":26},[3078],{"text":3079,"type":135},"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":3081,"title":3082,"component":552,"description":3083},"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":126,"content":3084},[3085],{"type":129,"attrs":3086,"content":3087},{"textAlign":26},[3088],{"text":3089,"type":135},"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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Criterios clave, plataformas y cómo preparar tu empresa.",[],[3437],{"_uid":3438,"items":3439,"heading":3490,"component":621},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3440,3450,3460,3470,3480],{"_uid":3441,"title":3442,"component":552,"description":3443},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":126,"content":3444},[3445],{"type":129,"attrs":3446,"content":3447},{"textAlign":26},[3448],{"text":3449,"type":135},"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":3451,"title":3452,"component":552,"description":3453},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":126,"content":3454},[3455],{"type":129,"attrs":3456,"content":3457},{"textAlign":26},[3458],{"text":3459,"type":135},"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":3461,"title":3462,"component":552,"description":3463},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":126,"content":3464},[3465],{"type":129,"attrs":3466,"content":3467},{"textAlign":26},[3468],{"text":3469,"type":135},"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":3471,"title":3472,"component":552,"description":3473},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":126,"content":3474},[3475],{"type":129,"attrs":3476,"content":3477},{"textAlign":26},[3478],{"text":3479,"type":135},"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":3481,"title":3482,"component":552,"description":3483},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":126,"content":3484},[3485],{"type":129,"attrs":3486,"content":3487},{"textAlign":26},[3488],{"text":3489,"type":135},"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",[3491],{"cta":3492,"_uid":3493,"title":3494,"eyebrow":3500,"subtitle":3505,"component":196,"textAlign":109,"flexibleSection":3510,"sectionSettings":3511,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":109},[],"d006b0c1-9502-47a6-b3b8-6d6f6da226c5",{"type":126,"content":3495},[3496],{"type":196,"attrs":3497,"content":3498},{"level":198,"textAlign":26},[3499],{"text":2564,"type":135},{"type":126,"content":3501},[3502],{"type":129,"attrs":3503,"content":3504},{"textAlign":26},[],{"type":126,"content":3506},[3507],{"type":129,"attrs":3508,"content":3509},{"textAlign":26},[],[],[],"mejor-software-factura-electronica-empresas","es/blog/mejor-software-factura-electronica-empresas",-1810,[],"e23f149d-ed7b-4c9c-b9b3-72b649244711","2026-06-10T13:00:44.711Z",[],"blog/mejor-software-factura-electronica-empresas",[3521,3522,3523],{"path":3519,"name":26,"lang":38,"published":26},{"path":3519,"name":26,"lang":40,"published":26},{"path":3519,"name":26,"lang":33,"published":26},{"name":3525,"created_at":3526,"published_at":3527,"updated_at":3528,"id":3529,"uuid":3530,"content":3531,"slug":3648,"full_slug":3649,"sort_by_date":26,"position":3650,"tag_list":3651,"is_startpage":29,"parent_id":626,"meta_data":26,"group_id":3652,"first_published_at":3653,"release_id":26,"lang":33,"path":26,"alternates":3654,"default_full_slug":3655,"translated_slugs":3656},"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":3532,"title":3525,"topics":3533,"noIndex":29,"category":3542,"language":3551,"component":517,"heroMedia":3552,"metaTitle":3553,"publishedAt":3554,"readingTime":2620,"redirectUrl":109,"listingImage":3555,"metaDescription":3562,"bottomArticleCta":3563,"componentsAfterTheArticle":3564},"57a35c14-a7ca-4f2b-ae0a-077678fd4606",[3534],{"name":151,"created_at":152,"published_at":16,"updated_at":153,"id":154,"uuid":155,"content":3535,"slug":158,"full_slug":159,"sort_by_date":26,"position":160,"tag_list":3536,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":163,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":3537,"default_full_slug":166,"translated_slugs":3538,"_stopResolving":42},{"_uid":157,"name":151,"component":23},[],[],[3539,3540,3541],{"path":166,"name":26,"lang":38,"published":26},{"path":166,"name":26,"lang":40,"published":26},{"path":166,"name":26,"lang":33,"published":26},{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":3543,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":3545,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":3546,"default_full_slug":524,"translated_slugs":3547,"_stopResolving":42},{"_uid":511,"icon":3544,"name":505,"component":516},{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},[],[],[3548,3549,3550],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a","2026-06-10 00:00",[3556],{"_uid":3557,"asset":3558,"caption":109,"component":542},"fb32c233-78fc-4e59-8d18-b986abe049f8",{"id":3559,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":3560,"copyright":109,"fieldtype":114,"meta_data":3561,"is_external_url":29},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.",[],[3565],{"_uid":3566,"items":3567,"heading":3626,"component":621},"624a6787-08f1-4f35-8970-94eeedbbef72",[3568,3578,3588,3598,3608],{"_uid":3569,"title":3570,"component":552,"description":3571},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":126,"content":3572},[3573],{"type":129,"attrs":3574,"content":3575},{"textAlign":26},[3576],{"text":3577,"type":135},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":3579,"title":3580,"component":552,"description":3581},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":126,"content":3582},[3583],{"type":129,"attrs":3584,"content":3585},{"textAlign":26},[3586],{"text":3587,"type":135},"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":3589,"title":3590,"component":552,"description":3591},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":126,"content":3592},[3593],{"type":129,"attrs":3594,"content":3595},{"textAlign":26},[3596],{"text":3597,"type":135},"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":3599,"title":3600,"component":552,"description":3601},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":126,"content":3602},[3603],{"type":129,"attrs":3604,"content":3605},{"textAlign":26},[3606],{"text":3607,"type":135},"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":3609,"title":3610,"component":552,"description":3611},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":126,"content":3612},[3613],{"type":129,"attrs":3614,"content":3615},{"textAlign":26},[3616,3618,3624],{"text":3617,"type":135},"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":3619,"type":135,"marks":3620},"facturas simplificadas",[3621],{"type":212,"attrs":3622},{"href":3623,"uuid":26,"anchor":26,"target":215,"linktype":117},"https://www.spendesk.com/es/blog/factura-simplificada/",{"text":3625,"type":135},", 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.",[3627],{"cta":3628,"_uid":3629,"title":3630,"eyebrow":3636,"subtitle":3641,"component":196,"textAlign":109,"flexibleSection":3646,"sectionSettings":3647,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":109},[],"73f53eca-6c38-4b8b-ae21-600bcda31b8c",{"type":126,"content":3631},[3632],{"type":196,"attrs":3633,"content":3634},{"level":198,"textAlign":26},[3635],{"text":2564,"type":135},{"type":126,"content":3637},[3638],{"type":129,"attrs":3639,"content":3640},{"textAlign":26},[],{"type":126,"content":3642},[3643],{"type":129,"attrs":3644,"content":3645},{"textAlign":26},[],[],[],"modelo-303-que-es-como-presentarlo","es/blog/modelo-303-que-es-como-presentarlo",-1800,[],"2d457208-a36e-4b52-bdcf-9b37ccb5ce30","2026-06-10T13:00:43.135Z",[],"blog/modelo-303-que-es-como-presentarlo",[3657,3658,3659],{"path":3655,"name":26,"lang":38,"published":26},{"path":3655,"name":26,"lang":40,"published":26},{"path":3655,"name":26,"lang":33,"published":26},{"name":3661,"created_at":3662,"published_at":3663,"updated_at":3664,"id":3665,"uuid":3666,"content":3667,"slug":3785,"full_slug":3786,"sort_by_date":26,"position":3787,"tag_list":3788,"is_startpage":29,"parent_id":626,"meta_data":26,"group_id":3789,"first_published_at":3790,"release_id":26,"lang":33,"path":26,"alternates":3791,"default_full_slug":3792,"translated_slugs":3793},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-07-15T12:23:14.902Z","2026-07-15T12:23:14.928Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":3668,"title":3661,"topics":3669,"noIndex":29,"category":3686,"language":3695,"component":517,"heroMedia":3696,"metaTitle":3697,"publishedAt":3698,"readingTime":2887,"redirectUrl":109,"listingImage":3699,"metaDescription":3706,"bottomArticleCta":3707,"componentsAfterTheArticle":3708},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3670,3678],{"name":151,"created_at":152,"published_at":16,"updated_at":153,"id":154,"uuid":155,"content":3671,"slug":158,"full_slug":159,"sort_by_date":26,"position":160,"tag_list":3672,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":163,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":3673,"default_full_slug":166,"translated_slugs":3674,"_stopResolving":42},{"_uid":157,"name":151,"component":23},[],[],[3675,3676,3677],{"path":166,"name":26,"lang":38,"published":26},{"path":166,"name":26,"lang":40,"published":26},{"path":166,"name":26,"lang":33,"published":26},{"name":172,"created_at":173,"published_at":16,"updated_at":174,"id":175,"uuid":176,"content":3679,"slug":178,"full_slug":179,"sort_by_date":26,"position":160,"tag_list":3680,"is_startpage":29,"parent_id":162,"meta_data":26,"group_id":181,"first_published_at":164,"release_id":26,"lang":33,"path":26,"alternates":3681,"default_full_slug":183,"translated_slugs":3682,"_stopResolving":42},{"_uid":157,"name":172,"component":23},[],[],[3683,3684,3685],{"path":183,"name":26,"lang":38,"published":26},{"path":183,"name":26,"lang":40,"published":26},{"path":183,"name":26,"lang":33,"published":26},{"name":505,"created_at":506,"published_at":16,"updated_at":507,"id":508,"uuid":509,"content":3687,"slug":517,"full_slug":518,"sort_by_date":26,"position":27,"tag_list":3689,"is_startpage":29,"parent_id":520,"meta_data":26,"group_id":521,"first_published_at":522,"release_id":26,"lang":33,"path":26,"alternates":3690,"default_full_slug":524,"translated_slugs":3691,"_stopResolving":42},{"_uid":511,"icon":3688,"name":505,"component":516},{"id":513,"alt":514,"name":109,"focus":109,"title":109,"filename":515,"copyright":109,"fieldtype":114,"is_external_url":29},[],[],[3692,3693,3694],{"path":524,"name":26,"lang":38,"published":26},{"path":524,"name":26,"lang":40,"published":26},{"path":524,"name":26,"lang":33,"published":26},[33],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00",[3700],{"_uid":3701,"asset":3702,"caption":109,"component":542},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3703,"alt":109,"name":109,"focus":109,"title":109,"source":109,"filename":3704,"copyright":109,"fieldtype":114,"meta_data":3705,"is_external_url":29},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.",[],[3709],{"_uid":3710,"items":3711,"heading":620,"component":621},"d437e15a-ca83-40ff-962f-928bbc083496",[3712,3730,3740,3750,3760],{"_uid":3713,"title":3714,"component":552,"description":3715},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":126,"content":3716},[3717],{"type":129,"attrs":3718,"content":3719},{"textAlign":26},[3720,3722,3728],{"text":3721,"type":135},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3723,"type":135,"marks":3724},"Ley 15/2010",[3725],{"type":212,"attrs":3726},{"href":3727,"uuid":26,"anchor":26,"target":215,"linktype":117},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3729,"type":135},". 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":3731,"title":3732,"component":552,"description":3733},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":126,"content":3734},[3735],{"type":129,"attrs":3736,"content":3737},{"textAlign":26},[3738],{"text":3739,"type":135},"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":3741,"title":3742,"component":552,"description":3743},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":126,"content":3744},[3745],{"type":129,"attrs":3746,"content":3747},{"textAlign":26},[3748],{"text":3749,"type":135},"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":3751,"title":3752,"component":552,"description":3753},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":126,"content":3754},[3755],{"type":129,"attrs":3756,"content":3757},{"textAlign":26},[3758],{"text":3759,"type":135},"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":3761,"title":3762,"component":552,"description":3763},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":126,"content":3764},[3765],{"type":129,"attrs":3766,"content":3767},{"textAlign":26},[3768,3770,3776,3778,3784],{"text":3769,"type":135},"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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