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Hoy no me imagino trabajando sin ella».","quote",{"type":186,"attrs":1086,"content":1088},{"textAlign":25,"key":1087},"p-35",[1089],{"text":1090,"type":192,"marks":1091},"Consulta nuestra lista completa de integraciones contables →",[1092,1095,1097],{"type":267,"attrs":1093},{"href":1094,"uuid":25,"anchor":25,"target":25,"linktype":174},"https://www.spendesk.com/integrations/",{"type":238,"attrs":1096},{"color":279},{"type":281},{"type":368,"attrs":1099,"content":1100},{"level":370,"textAlign":25},[1101],{"text":1102,"type":192,"marks":1103},"Soberanía de los datos en Europa: ¿dónde almacena Spendesk los datos de sus clientes?",[1104],{"type":238,"attrs":1105},{"color":240},{"type":186,"attrs":1107,"content":1109},{"textAlign":25,"key":1108},"p-36",[1110],{"text":1111,"type":192,"marks":1112},"Cuando un equipo financiero firma un contrato con una plataforma de gestión del gasto, le confía el acceso a los datos financieros de su empresa. Dónde se almacenan esos datos, qué marco jurídico se aplica y bajo qué jurisdicción se encuentran son cuestiones fundamentales de la soberanía europea de los datos. Para un director financiero o un responsable de protección de datos, deben formar parte de la lista de comprobaciones durante el proceso de evaluación.",[1113],{"type":238,"attrs":1114},{"color":240},{"type":368,"attrs":1116,"content":1117},{"level":517,"textAlign":25},[1118],{"text":1119,"type":192,"marks":1120},"Una empresa francesa, sujeta a la legislación francesa",[1121],{"type":238,"attrs":1122},{"color":240},{"type":186,"attrs":1124,"content":1126},{"textAlign":25,"key":1125},"p-37",[1127],{"text":1128,"type":192,"marks":1129},"Spendesk es una empresa francesa, constituida y regulada conforme a la legislación francesa y europea. Los datos de los clientes se alojan en AWS Irlanda, dentro de la Unión Europea y sujetos al RGPD. Spendesk no está sujeta a la legislación estadounidense. Los compromisos de AWS en materia de protección de datos y los marcos jurídicos europeos ofrecen garantías adicionales frente al acceso de terceros.",[1130],{"type":238,"attrs":1131},{"color":240},{"type":368,"attrs":1133,"content":1134},{"level":517,"textAlign":25},[1135],{"text":1136,"type":192,"marks":1137},"SFS, la licencia de pagos propia de Spendesk",[1138],{"type":238,"attrs":1139},{"color":240},{"type":186,"attrs":1141,"content":1143},{"textAlign":25,"key":1142},"p-38",[1144],{"text":1145,"type":192,"marks":1146},"Desde el lanzamiento de Spendesk Financial Services en 2022, Spendesk opera su propia entidad de pago regulada. Esto proporciona a los clientes europeos una relación directa con un proveedor de pagos creado y supervisado en Europa.",[1147],{"type":238,"attrs":1148},{"color":240},{"type":186,"attrs":1150,"content":1152},{"textAlign":25,"key":1151},"p-39",[1153],{"text":1154,"type":192,"marks":1155},"Spendesk Financial Services SAS (SFS) es una filial íntegramente participada por Spendesk y una entidad de pago autorizada por la ACPR, identificada con el número CIB 17518 y verificable en el registro de la ABE. Autorizada desde abril de 2022 por la autoridad francesa de supervisión financiera, SFS está autorizada en Francia y opera en los 30 países del EEE, con pasaporte PSD2 para los otros 29 países del EEE.",[1156],{"type":238,"attrs":1157},{"color":240},{"type":186,"attrs":1159,"content":1161},{"textAlign":25,"key":1160},"p-40",[1162],{"text":1163,"type":192,"marks":1164},"Para los clientes del EEE, Spendesk creó su propia entidad de pago regulada, Spendesk Financial Services (SFS), en lugar de depender de un socio bancario externo. SFS está directamente regulada por la ACPR, lo que proporciona a Spendesk un mayor control sobre la infraestructura de pagos que respalda a sus clientes europeos. En el Reino Unido, Spendesk continúa prestando servicios de pago a través de un socio regulado.",[1165],{"type":238,"attrs":1166},{"color":240},{"type":368,"attrs":1168,"content":1169},{"level":517,"textAlign":25},[1170],{"text":1171,"type":192,"marks":1172},"RGPD, certificaciones y preparación para la facturación electrónica",[1173],{"type":238,"attrs":1174},{"color":240},{"type":186,"attrs":1176,"content":1178},{"textAlign":25,"key":1177},"p-41",[1179],{"text":1180,"type":192,"marks":1181},"Los datos de los clientes se alojan en AWS Irlanda. Spendesk mantiene la residencia de los datos dentro de la Unión Europea, en Europa y bajo la legislación de la UE, con la CNIL como autoridad principal de supervisión. El cumplimiento del RGPD del Reino Unido se mantiene por separado bajo la supervisión de la ICO.",[1182],{"type":238,"attrs":1183},{"color":240},{"type":186,"attrs":1185,"content":1187},{"textAlign":25,"key":1186},"p-42",[1188],{"text":1189,"type":192,"marks":1190},"Spendesk cuenta con la certificación ISO 27001:2022, certificado n.º 122410, válido hasta febrero de 2027. Cumple con DORA desde enero de 2025 y con PSD2 y la autenticación reforzada del cliente (SCA) en todas las transacciones con tarjeta.",[1191],{"type":238,"attrs":1192},{"color":240},{"type":186,"attrs":1194,"content":1196},{"textAlign":25,"key":1195},"p-43",[1197],{"text":1198,"type":192,"marks":1199},"En cuanto a la facturación electrónica, el requisito alemán de recepción obligatoria de facturas electrónicas B2B entró en vigor en enero de 2025. Spendesk cumplía con él desde el primer día. El mandato Peppol de Bélgica llegó en enero de 2026, y Spendesk es un punto de acceso Peppol certificado. Francia ya está preparando su despliegue para 2026 y 2027.",[1200],{"type":238,"attrs":1201},{"color":240},{"type":186,"attrs":1203,"content":1205},{"textAlign":25,"key":1204},"p-44",[1206],{"text":1207,"type":192,"marks":1208},"Los mandatos europeos de facturación electrónica no son opcionales. Integrar el cumplimiento normativo en un producto requiere años de trabajo. Spendesk lleva años haciéndolo.",[1209],{"type":238,"attrs":1210},{"color":240},{"type":244,"attrs":1212},{"id":1213,"body":1214},"d933532c-4de9-4069-b642-c57e01cb2221",[1215],{"_uid":1216,"text":1217,"color":251,"title":1218,"component":253},"i-9c95c723-0fd0-4858-b07d-e6cb9331d739","✅ Entidad de pago autorizada por la ACPR, CIB n.º 17518\n\n✅ Opera en los 30 países del EEE, con pasaporte PSD2 para los otros 29 países del EEE\n\n✅ Certificación ISO 27001:2022, certificado n.º 122410\n\n✅ Todos los datos se alojan en AWS Irlanda, dentro de la UE\n\n✅ Diseñada conforme al RGPD, bajo la supervisión de la CNIL\n\n✅ Cumple con DORA desde enero de 2025\n\n✅ Punto de acceso Peppol certificado\n\n✅ Cumple con la normativa de facturación electrónica: 🇩🇪 Alemania, 🇧🇪 Bélgica, 🇫🇷 Francia en preparación\n\n✅ Primera plataforma europea de gestión del gasto y compras en alcanzar la rentabilidad, en 2025","Lista de certificaciones europeas de Spendesk",{"type":368,"attrs":1220,"content":1221},{"level":370,"textAlign":25},[1222],{"text":1223,"type":192,"marks":1224},"Por qué destacamos incluso entre los proveedores europeos",[1225],{"type":238,"attrs":1226},{"color":240},{"type":571,"content":1228},[1229,1246,1263,1280,1297,1314,1331,1348,1365],{"type":574,"content":1230},[1231],{"type":186,"attrs":1232,"content":1234},{"textAlign":25,"key":1233},"p-45",[1235,1241],{"text":1236,"type":192,"marks":1237},"Sin tarifas por usuario",[1238,1240],{"type":238,"attrs":1239},{"color":240},{"type":242},{"text":1242,"type":192,"marks":1243},", las empresas pueden implementar Spendesk en toda la organización y gestionar todos los gastos de la empresa desde un único sistema.",[1244],{"type":238,"attrs":1245},{"color":240},{"type":574,"content":1247},[1248],{"type":186,"attrs":1249,"content":1251},{"textAlign":25,"key":1250},"p-46",[1252,1258],{"text":1253,"type":192,"marks":1254},"Sin comisiones por tarjeta",[1255,1257],{"type":238,"attrs":1256},{"color":240},{"type":242},{"text":1259,"type":192,"marks":1260},", puedes crear tantas tarjetas físicas y virtuales como necesiten tus equipos.",[1261],{"type":238,"attrs":1262},{"color":240},{"type":574,"content":1264},[1265],{"type":186,"attrs":1266,"content":1268},{"textAlign":25,"key":1267},"p-47",[1269,1275],{"text":1270,"type":192,"marks":1271},"Hasta tres entidades",[1272,1274],{"type":238,"attrs":1273},{"color":240},{"type":242},{"text":1276,"type":192,"marks":1277},", todas disponibles en nuestro plan Base.",[1278],{"type":238,"attrs":1279},{"color":240},{"type":574,"content":1281},[1282],{"type":186,"attrs":1283,"content":1285},{"textAlign":25,"key":1284},"p-48",[1286,1292],{"text":1287,"type":192,"marks":1288},"Gestiona todos los gastos de una entidad",[1289,1291],{"type":238,"attrs":1290},{"color":240},{"type":242},{"text":1293,"type":192,"marks":1294}," desde una plataforma centralizada, sin coste adicional.",[1295],{"type":238,"attrs":1296},{"color":240},{"type":574,"content":1298},[1299],{"type":186,"attrs":1300,"content":1302},{"textAlign":25,"key":1301},"p-49",[1303,1309],{"text":1304,"type":192,"marks":1305},"Gestiona todos los tipos de gasto desde una única plataforma",[1306,1308],{"type":238,"attrs":1307},{"color":240},{"type":242},{"text":1310,"type":192,"marks":1311},", incluidas las tarjetas, los gastos, las facturas, las suscripciones y las compras.",[1312],{"type":238,"attrs":1313},{"color":240},{"type":574,"content":1315},[1316],{"type":186,"attrs":1317,"content":1319},{"textAlign":25,"key":1318},"p-50",[1320,1326],{"text":1321,"type":192,"marks":1322},"Configura flujos de aprobación, presupuestos y límites de gasto flexibles",[1323,1325],{"type":238,"attrs":1324},{"color":240},{"type":242},{"text":1327,"type":192,"marks":1328}," para mantener el control antes de que se efectúe el gasto.",[1329],{"type":238,"attrs":1330},{"color":240},{"type":574,"content":1332},[1333],{"type":186,"attrs":1334,"content":1336},{"textAlign":25,"key":1335},"p-51",[1337,1343],{"text":1338,"type":192,"marks":1339},"Automatiza las tareas contables",[1340,1342],{"type":238,"attrs":1341},{"color":240},{"type":242},{"text":1344,"type":192,"marks":1345},", desde el procesamiento de justificantes recibos y facturas hasta la categorización y la conciliación.",[1346],{"type":238,"attrs":1347},{"color":240},{"type":574,"content":1349},[1350],{"type":186,"attrs":1351,"content":1353},{"textAlign":25,"key":1352},"p-52",[1354,1360],{"text":1355,"type":192,"marks":1356},"Diseñada para empresas europeas en crecimiento",[1357,1359],{"type":238,"attrs":1358},{"color":240},{"type":242},{"text":1361,"type":192,"marks":1362},", con visibilidad sobre entidades, equipos y países.",[1363],{"type":238,"attrs":1364},{"color":240},{"type":574,"content":1366},[1367],{"type":186,"attrs":1368,"content":1370},{"textAlign":25,"key":1369},"p-53",[1371,1377],{"text":1372,"type":192,"marks":1373},"Una solución fácil de usar para los empleados",[1374,1376],{"type":238,"attrs":1375},{"color":240},{"type":242},{"text":1378,"type":192,"marks":1379},", que proporciona al equipo de Finanzas el control y la visibilidad que necesita.",[1380],{"type":238,"attrs":1381},{"color":240},{"type":244,"attrs":1383},{"id":1076,"body":1384},[1385],{"_uid":1386,"name":1387,"role":90,"image":1388,"quote":1390,"component":1084},"i-3f923b82-e705-4829-96f8-7c14db94a3ff","Benjamin Milot, director financiero de Pierre Frey",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":171,"meta_data":1389,"is_external_url":28},{},"«Spendesk ha ayudado a nuestros equipos a dejar atrás las tareas administrativas y centrarse en un trabajo mucho más analítico».",{"type":368,"attrs":1392,"content":1393},{"level":370,"textAlign":25},[1394],{"text":1395,"type":192,"marks":1396},"Conclusión",[1397],{"type":238,"attrs":1398},{"color":240},{"type":186,"attrs":1400,"content":1402},{"textAlign":25,"key":1401},"p-54",[1403],{"text":1404,"type":192,"marks":1405},"Los equipos financieros europeos trabajan en un contexto específico. Sus contables utilizan herramientas específicas. Los organismos reguladores establecen requisitos concretos. Y sus datos cuentan con protecciones legales específicas.",[1406],{"type":238,"attrs":1407},{"color":240},{"type":186,"attrs":1409,"content":1411},{"textAlign":25,"key":1410},"p-55",[1412],{"text":1413,"type":192,"marks":1414},"Spendesk se creó dentro de ese contexto, desde cero y a lo largo de diez años de operaciones reales en Europa. Las integraciones reflejan la forma en que trabajan realmente los contables europeos. La estructura normativa responde a las exigencias de la legislación europea. Y la infraestructura de datos refleja lo que las empresas europeas necesitan y merecen.",[1415],{"type":238,"attrs":1416},{"color":240},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":1423,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":1432,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":1436,"default_full_slug":1437,"translated_slugs":1438,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1424,"icon":1425,"name":1418,"component":1429},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},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",[1439,1440,1441],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],[1445],{"cta":1446,"_uid":1462,"image":1463,"title":1467,"subtitle":1480,"component":1481},[1447],{"tag":90,"_uid":1448,"hide":28,"icon":1449,"link":1451,"type":90,"label":1461,"style":176,"component":177,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8bbcd253-afec-4862-bcd7-d257d900daac",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":171,"meta_data":1450},{},{"id":1452,"url":90,"linktype":1453,"fieldtype":175,"cached_url":1454,"prep":41,"story":1455},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","story","/es/schedule-a-demo/",{"name":1456,"id":1457,"uuid":1452,"slug":1458,"url":1459,"full_slug":1460,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Book a demo","d6338e95-96c3-4d35-af35-b928b3b0d7ca",{"id":1464,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1465,"copyright":90,"fieldtype":171,"meta_data":1466,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":183,"attrs":1468,"content":1469},{"backgroundColor":25},[1470],{"type":186,"attrs":1471,"content":1472},{"textAlign":25,"key":188},[1473],{"text":1474,"type":192,"marks":1475},"Built for European businesses",[1476],{"type":1477,"attrs":1478},"styled",{"class":1479},"text-item-heading text-item-heading-sm","Manage cards, expenses and invoices with a platform designed for Europe","ctaBlock","2026-05-04 00:00",[1484],{"_uid":1485,"type":90,"asset":1486,"caption":90,"overlay":1490,"component":425},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":1487,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1488,"copyright":90,"fieldtype":171,"meta_data":1489,"is_external_url":28},213243701078040,"https://a.storyblok.com/f/146026/1480x974/42273df0ea/bcn-1.png",{},[],"Descubre Spendesk, la plataforma europea de gestión de gastos para equipos financieros, con tarjetas, gestión de gastos, compras, integraciones locales y cumplimiento normativo europeo.",[],[1494],{"cta":1495,"_uid":1496,"items":1497,"heading":1717,"reverse":28,"component":1738,"sectionSettings":1739},[],"aeee9899-85a3-4061-8844-6e6450559099",[1498,1520,1598,1651,1684],{"_uid":1499,"hide":28,"title":1500,"component":1501,"description":1502},"78c7f082-9319-4d2f-8718-1b16f40a451f","1. ¿Qué significa en la práctica «Made in Europe» para Spendesk?","faqItem",{"type":183,"attrs":1503,"content":1504},{"backgroundColor":25},[1505],{"type":186,"attrs":1506,"content":1507},{"textAlign":25,"key":188},[1508,1513,1514,1515],{"text":1509,"type":192,"marks":1510},"«Made in Europe» significa crear soluciones teniendo en cuenta las necesidades reales de los equipos financieros europeos, no limitarse a traducir un producto o añadir integraciones locales. Spendesk combina un profundo conocimiento de los mercados, una infraestructura de pagos regulada y un acompañamiento local cercano para ayudar a las empresas a gestionar sus operaciones financieras de forma eficiente y conforme a la normativa en toda Europa. ",[1511],{"type":238,"attrs":1512},{"color":240},{"type":437},{"type":437},{"text":1516,"type":192,"marks":1517},"Esta experiencia se construye con el tiempo, a partir de un conocimiento detallado de las normas, los sistemas de pago y los procesos operativos que varían de un mercado a otro. Las integraciones son solo una parte de esta cobertura más amplia, por lo que Spendesk se conecta tanto con herramientas locales como internacionales.",[1518],{"type":238,"attrs":1519},{"color":240},{"_uid":1521,"hide":28,"title":1522,"component":1501,"description":1523},"601308af-0b64-4e22-bb2d-4040e89e151c","2. ¿Con qué herramientas se integra Spendesk?",{"type":183,"attrs":1524,"content":1525},{"backgroundColor":25},[1526,1552],{"type":186,"attrs":1527,"content":1528},{"textAlign":25,"key":188},[1529,1534,1540,1548],{"text":1530,"type":192,"marks":1531},"Spendesk se integra con herramientas de contabilidad, ERP, recursos humanos, gestión de viajes, comunicación e identidad, como Xero, NetSuite, DATEV, Personio, HiBob, TravelPerk y Slack, entre muchas otras. 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Suscríbete a nuestro Newsletter para mantenerte informado.",[3231,3232],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[3234],{"cta":3235,"_uid":3236,"items":3237,"heading":3351,"reverse":28,"component":1738,"sectionSettings":3372},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[3238,3294],{"_uid":3239,"title":3240,"component":1501,"description":3241},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":183,"content":3242},[3243,3248,3274,3279,3284,3289],{"type":186,"attrs":3244,"content":3245},{"textAlign":25},[3246],{"text":3247,"type":192},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":3249,"attrs":3250,"content":3252},"ordered_list",{"order":3251},1,[3253,3260,3267],{"type":574,"content":3254},[3255],{"type":186,"attrs":3256,"content":3257},{"textAlign":25},[3258],{"text":3259,"type":192},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":574,"content":3261},[3262],{"type":186,"attrs":3263,"content":3264},{"textAlign":25},[3265],{"text":3266,"type":192},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":574,"content":3268},[3269],{"type":186,"attrs":3270,"content":3271},{"textAlign":25},[3272],{"text":3273,"type":192},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":186,"attrs":3275,"content":3276},{"textAlign":25},[3277],{"text":3278,"type":192},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":186,"attrs":3280,"content":3281},{"textAlign":25},[3282],{"text":3283,"type":192},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":186,"attrs":3285,"content":3286},{"textAlign":25},[3287],{"text":3288,"type":192},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":186,"attrs":3290,"content":3291},{"textAlign":25},[3292],{"text":3293,"type":192},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":3295,"title":3296,"component":1501,"description":3297},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":183,"content":3298},[3299,3304,3316,3321,3331,3336,3341,3346],{"type":186,"attrs":3300,"content":3301},{"textAlign":25},[3302],{"text":3303,"type":192},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":186,"attrs":3305,"content":3306},{"textAlign":25},[3307,3311,3314],{"text":3308,"type":192,"marks":3309},"Para los empleados",[3310],{"type":242},{"type":437,"marks":3312},[3313],{"type":242},{"text":3315,"type":192},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":186,"attrs":3317,"content":3318},{"textAlign":25},[3319],{"text":3320,"type":192},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":186,"attrs":3322,"content":3323},{"textAlign":25},[3324,3328,3329],{"text":3325,"type":192,"marks":3326},"Para los equipos financieros",[3327],{"type":242},{"type":437},{"text":3330,"type":192},"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":186,"attrs":3332,"content":3333},{"textAlign":25},[3334],{"text":3335,"type":192},"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. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":186,"attrs":3337,"content":3338},{"textAlign":25},[3339],{"text":3340,"type":192},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":186,"attrs":3342,"content":3343},{"textAlign":25},[3344],{"text":3345,"type":192},"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":186,"attrs":3347,"content":3348},{"textAlign":25},[3349],{"text":3350,"type":192},"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.",[3352],{"cta":3353,"_uid":3354,"title":3355,"eyebrow":3362,"subtitle":3365,"component":368,"textAlign":90,"sectionSettings":3371,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":183,"content":3356},[3357],{"type":368,"attrs":3358,"content":3359},{"level":370},[3360],{"text":3361,"type":192},"Empezar con Spendesk",{"type":183,"content":3363},[3364],{"type":186},{"type":183,"content":3366},[3367],{"type":186,"content":3368},[3369],{"text":3370,"type":192},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",["Island",3376],{"key":3377,"result":3378},"MarkdownRenderer_x9XaDcCzL85xhkeBRvwNsZ40sDVAjotw3NrC9Fr2M",{"head":3379},{"link":3380,"style":3381},[],[],["Island",3383],{"key":3384,"result":3385},"MarkdownRenderer_NdTmdjvCAMwQmAQVbuMSDB8V8ye2IPVelAqLVINzI",{"head":3386},{"link":3387,"style":3388},[],[],["Island",3390],{"key":3391,"result":3392},"MarkdownRenderer_JeRFPPz6DA39xZFzdduHOnuXVs1jS8LjKDx4xaKoFtk",{"head":3393},{"link":3394,"style":3395},[],[],[3397,3531,3662,3803,3963,4113,4270,4407,4554,4703,4840,4988,5126,5264,5410],{"name":3398,"created_at":3399,"published_at":3400,"updated_at":3401,"id":3402,"uuid":3403,"content":3404,"slug":3519,"full_slug":3520,"sort_by_date":25,"position":3521,"tag_list":3522,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":3523,"first_published_at":3524,"release_id":25,"lang":32,"path":25,"alternates":3525,"default_full_slug":3526,"translated_slugs":3527},"Cómo reducir gastos en una empresa pequeña sin frenar el crecimiento","2026-09-07T10:54:05.115Z","2026-09-10T13:39:58.512Z","2026-09-10T13:39:58.538Z",217451909640019,"23773bb8-6ff6-4dcf-b4a2-c69287f3f351",{"_uid":3405,"title":3398,"topics":3406,"noIndex":28,"category":3407,"language":3416,"component":1430,"heroMedia":3417,"metaTitle":3418,"publishedAt":3419,"readingTime":3420,"redirectUrl":90,"listingImage":3421,"metaDescription":3430,"bottomArticleCta":3431,"componentsAfterTheArticle":3432},"d474860b-554f-40ab-9b6a-15f444c2d569",[],{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":3408,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":3410,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":3411,"default_full_slug":1437,"translated_slugs":3412,"_stopResolving":41},{"_uid":1424,"icon":3409,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[3413,3414,3415],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Cómo reducir gastos en una empresa pequeña sin frenar el cre","2026-08-26 00:00","10",[3422],{"_uid":3423,"link":3424,"asset":3425,"caption":90,"component":425},"27d4d3cc-2805-4ef2-9db2-98e1b7435eb7",{"id":90,"url":90,"linktype":1453,"fieldtype":175,"cached_url":2881,"prep":41},{"id":3426,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3427,"copyright":90,"fieldtype":171,"meta_data":3428,"is_external_url":28},218554254947338,"https://a.storyblok.com/f/146026/1672x941/7c9d551f19/como-reducir-gastos-empresa-pequena.png",{"size":3429},"1672x941","Descubre cómo mejorar el control de gastos en una empresa pequeña con visibilidad, políticas y automatización, sin frenar el crecimiento.",[],[3433],{"_uid":3434,"items":3435,"heading":3496,"component":1738},"c46464d6-d2ea-4168-bdff-d9f6baa45696",[3436,3446,3456,3466,3476,3486],{"_uid":3437,"title":3438,"component":1501,"description":3439},"f5e8b325-181a-4eab-a8b8-2dd8ef71a70b","¿Qué tipos de gastos debería vigilar una empresa pequeña?",{"type":183,"content":3440},[3441],{"type":186,"attrs":3442,"content":3443},{"textAlign":25},[3444],{"text":3445,"type":192},"Conviene revisar los gastos fijos y recurrentes, como las suscripciones, los servicios externos y los contratos, junto con los gastos variables, como viajes, compras puntuales y reembolsos. 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De este modo, la empresa puede ofrecer autonomía sin depender de una tarjeta compartida y conservar más información sobre cada operación.",{"_uid":3467,"title":3468,"component":1501,"description":3469},"d5bda4a3-f968-4c9c-b0da-2424d0cf11d0","¿Qué son los costes ocultos y cómo se detectan?",{"type":183,"content":3470},[3471],{"type":186,"attrs":3472,"content":3473},{"textAlign":25},[3474],{"text":3475,"type":192},"Son gastos que pasan desapercibidos porque están repartidos entre distintos proveedores, tarjetas o equipos. Pueden incluir suscripciones duplicadas, servicios poco utilizados, renovaciones no revisadas o tareas manuales que consumen tiempo. 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Conviene realizar un seguimiento periódico del presupuesto y programar revisiones específicas para suscripciones, proveedores y categorías con mayor riesgo de desviación.",{"_uid":3487,"title":3488,"component":1501,"description":3489},"8fac8245-7026-4cf6-9f52-a137f0028bd2","¿Puede Spendesk ayudar a controlar los gastos de una empresa pequeña?",{"type":183,"content":3490},[3491],{"type":186,"attrs":3492,"content":3493},{"textAlign":25},[3494],{"text":3495,"type":192},"Spendesk puede ayudar a centralizar tarjetas, gastos, justificantes y aprobaciones en una única plataforma. También permite organizar la información y preparar determinados datos para los procesos financieros, según la configuración disponible. 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Según el tipo de proveedor, también puede incorporar datos bancarios, documentación, categoría, criticidad, responsable interno y fechas de revisión.",{"_uid":3579,"title":3580,"component":1501,"description":3581},"0350c7f5-1839-4431-a142-3fc7b983e99a","¿Cuál es la diferencia entre alta y homologación de proveedores?",{"type":183,"content":3582},[3583],{"type":186,"attrs":3584,"content":3585},{"textAlign":25},[3586],{"text":3587,"type":192},"El alta crea el registro del proveedor en el sistema. La homologación o selección evalúa si cumple los requisitos definidos por la empresa antes de iniciar o ampliar la relación comercial. No todos los proveedores necesitan el mismo nivel de homologación.",{"_uid":3589,"title":3590,"component":1501,"description":3591},"c82617ba-f003-431c-953b-95d76350f75d","¿Cómo se puede validar el IBAN de un proveedor?",{"type":183,"content":3592},[3593],{"type":186,"attrs":3594,"content":3595},{"textAlign":25},[3596],{"text":3597,"type":192},"La validación del formato ayuda a detectar errores de escritura, pero no confirma la titularidad de la cuenta. Para reducir riesgos, los cambios deben contrastarse por un canal independiente y aprobarse siguiendo un procedimiento separado de la introducción de los datos.",{"_uid":3599,"title":3600,"component":1501,"description":3601},"bf709b08-8c75-42bf-91f5-1c3ea8e1cb5d","¿Quién debería aprobar el alta de un proveedor?",{"type":183,"content":3602},[3603],{"type":186,"attrs":3604,"content":3605},{"textAlign":25},[3606],{"text":3607,"type":192},"Depende del tamaño de la empresa, del tipo de proveedor y del nivel de riesgo. Como buena práctica, la persona que crea la ficha no debería ser la única que la aprueba, especialmente cuando incluye datos bancarios o documentación sensible.",{"_uid":3609,"title":3610,"component":1501,"description":3611},"3f17b759-0000-466f-807a-2dc1a5ffa7c8","¿Cada cuánto hay que revisar el maestro de proveedores?",{"type":183,"content":3612},[3613],{"type":186,"attrs":3614,"content":3615},{"textAlign":25},[3616],{"text":3617,"type":192},"La frecuencia debe adaptarse a la criticidad del proveedor y a la información que se gestiona. También conviene revisar una ficha cuando se modifica la cuenta bancaria, cambia la situación del proveedor, vence una acreditación o se produce una incidencia.",{"_uid":3619,"title":3620,"component":1501,"description":3621},"9990f708-6630-4cfd-b309-f8712d6c7851","¿Puede Spendesk ayudar a gestionar la información de proveedores?",{"type":183,"content":3622},[3623],{"type":186,"attrs":3624,"content":3625},{"textAlign":25},[3626],{"text":3627,"type":192},"Spendesk puede ayudar a centralizar y gestionar información de proveedores dentro de los módulos y planes aplicables, y a relacionarla con determinados procesos de compras. El alcance depende de la configuración de la cuenta, y la empresa debe mantener sus propios criterios de validación y aprobación.",[3629],{"cta":3630,"_uid":3631,"title":3632,"eyebrow":3638,"subtitle":3643,"component":368,"textAlign":90,"flexibleSection":3648,"sectionSettings":3649,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"2a62ff10-a0f9-4db6-9f79-557fb5b5c4cb",{"type":183,"content":3633},[3634],{"type":368,"attrs":3635,"content":3636},{"level":370,"textAlign":25},[3637],{"text":3506,"type":192},{"type":183,"content":3639},[3640],{"type":186,"attrs":3641,"content":3642},{"textAlign":25},[],{"type":183,"content":3644},[3645],{"type":186,"attrs":3646,"content":3647},{"textAlign":25},[],[],[],"alta-y-validacion-de-proveedores","es/blog/alta-y-validacion-de-proveedores",-3240,[],"15613e0b-49aa-422c-a3a4-a94c437578d5","2026-09-07T09:57:24.321Z",[],"blog/alta-y-validacion-de-proveedores",[3659,3660,3661],{"path":3657,"name":25,"lang":37,"published":25},{"path":3657,"name":25,"lang":39,"published":25},{"path":3657,"name":25,"lang":32,"published":25},{"name":3663,"created_at":3664,"published_at":3665,"updated_at":3666,"id":3667,"uuid":3668,"content":3669,"slug":3791,"full_slug":3792,"sort_by_date":25,"position":3793,"tag_list":3794,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":3795,"first_published_at":3796,"release_id":25,"lang":32,"path":25,"alternates":3797,"default_full_slug":3798,"translated_slugs":3799},"Control de gastos de obra: métodos y herramientas para empresas de construcción","2026-09-07T09:57:03.113Z","2026-09-10T13:28:32.629Z","2026-09-10T13:28:32.648Z",217437893113299,"c175d815-10a6-4fe7-b237-26885adce75b",{"_uid":3670,"title":3663,"topics":3671,"noIndex":28,"category":3672,"language":3681,"component":1430,"heroMedia":3682,"metaTitle":3683,"publishedAt":90,"readingTime":3684,"redirectUrl":90,"listingImage":3685,"metaDescription":3693,"bottomArticleCta":3694,"componentsAfterTheArticle":3695},"cf41967d-2efb-4c7d-a728-36f380a4d801",[],{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":3673,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":3675,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":3676,"default_full_slug":1437,"translated_slugs":3677,"_stopResolving":41},{"_uid":1424,"icon":3674,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[3678,3679,3680],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Control de gastos de obra: métodos y herramientas para empre","11",[3686],{"_uid":3687,"link":3688,"asset":3689,"caption":90,"component":425},"4d74f152-7e0b-4b60-88e4-c19684d4d7b9",{"id":90,"url":90,"linktype":1453,"fieldtype":175,"cached_url":2881,"prep":41},{"id":3690,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3691,"copyright":90,"fieldtype":171,"meta_data":3692,"is_external_url":28},218551279067848,"https://a.storyblok.com/f/146026/1672x941/1dfd562979/control-de-gastos-en-obras.png",{},"El control de gastos de obra permite saber si cada proyecto se mantiene dentro del presupuesto mientras la obra sigue en marcha. En una empresa de construcción,",[],[3696],{"_uid":3697,"items":3698,"heading":3769,"component":1738},"75696efb-29e3-4382-90bb-25fa12909a62",[3699,3709,3719,3729,3739,3749,3759],{"_uid":3700,"title":3701,"component":1501,"description":3702},"e9f741c8-7555-44ce-8309-03fcd194c8a0","¿Cada cuánto conviene actualizar el control de gastos de una obra?",{"type":183,"content":3703},[3704],{"type":186,"attrs":3705,"content":3706},{"textAlign":25},[3707],{"text":3708,"type":192},"Lo ideal es actualizarlo cada vez que se adquiere un compromiso o se realiza un pago. Además, conviene revisar periódicamente la evolución de cada partida para detectar desviaciones mientras todavía se pueden corregir.",{"_uid":3710,"title":3711,"component":1501,"description":3712},"4b686f3d-f9cc-469a-8e5b-e407c73faa06","¿Qué diferencia hay entre coste comprometido y coste real en una obra?",{"type":183,"content":3713},[3714],{"type":186,"attrs":3715,"content":3716},{"textAlign":25},[3717],{"text":3718,"type":192},"El coste comprometido corresponde a importes que la empresa ya ha contratado o pedido, aunque todavía no los haya pagado o recibido en factura. El coste real registrado refleja los gastos que ya se han reconocido o incorporado al sistema de control.",{"_uid":3720,"title":3721,"component":1501,"description":3722},"f3c959f4-72e1-4020-b40f-68eb0fcbb553","¿Cómo se controlan los gastos de subcontratas en obra?",{"type":183,"content":3723},[3724],{"type":186,"attrs":3725,"content":3726},{"textAlign":25},[3727],{"text":3728,"type":192},"El importe debe incorporarse al seguimiento cuando se formaliza el contrato o se adquiere el compromiso. Después, las certificaciones y facturas pueden revisarse frente a los trabajos ejecutados y a las condiciones acordadas.",{"_uid":3730,"title":3731,"component":1501,"description":3732},"bb705a66-d7d9-4da9-a342-d0cb7b57fe0f","¿Cómo gestionar la caja chica en una empresa con varios centros de trabajo?",{"type":183,"content":3733},[3734],{"type":186,"attrs":3735,"content":3736},{"textAlign":25},[3737],{"text":3738,"type":192},"Una alternativa consiste en reducir el uso de efectivo y utilizar medios de pago corporativos con límites y reglas de uso. 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Para que tenga efectos fiscales, el documento debe cumplir los requisitos aplicables a una factura rectificativa.",{"_uid":3870,"title":3871,"component":1501,"description":3872},"fbcd0330-b3e5-4580-9bef-d8f10fb93f5f","¿Qué información debe incluir una factura rectificativa?",{"type":183,"content":3873},[3874],{"type":186,"attrs":3875,"content":3876},{"textAlign":25},[3877],{"text":3878,"type":192},"Debe identificar que se trata de una factura rectificativa, relacionarla con la factura original y explicar el motivo de la corrección. También debe mostrar los importes corregidos o la diferencia correspondiente, además del resto de datos fiscales exigidos.",{"_uid":3880,"title":3881,"component":1501,"description":3882},"a29099c0-5e69-4c28-87a7-6404d64e9354","¿Cuál es la diferencia entre una rectificativa por sustitución y una por diferencias?",{"type":183,"content":3883},[3884],{"type":186,"attrs":3885,"content":3886},{"textAlign":25},[3887],{"text":3888,"type":192},"La rectificativa por sustitución muestra la información corregida de la operación y los datos que se modifican. La rectificativa por diferencias refleja únicamente el ajuste que debe añadirse o restarse a la factura original.",{"_uid":3890,"title":3891,"component":1501,"description":3892},"dfca7460-efc2-4bbe-9a50-7283a3a5f34a","¿Cómo afecta una factura rectificativa al IVA soportado?",{"type":183,"content":3893},[3894],{"type":186,"attrs":3895,"content":3896},{"textAlign":25},[3897],{"text":3898,"type":192},"Si reduce una compra, puede reducir también la base y el IVA soportado que la empresa había registrado o deducido. Si aumenta la operación, puede incrementar el IVA soportado, siempre que se cumplan las condiciones aplicables. El periodo de registro y declaración debe revisarse según la normativa vigente.",{"_uid":3900,"title":3901,"component":1501,"description":3902},"bc77ea6c-6878-48f0-806f-245124692708","¿Cómo se contabiliza una factura rectificativa recibida?",{"type":183,"content":3903},[3904],{"type":186,"attrs":3905,"content":3906},{"textAlign":25},[3907],{"text":3908,"type":192},"El tratamiento depende del motivo de la rectificación y de si se trata de una sustitución o de una diferencia. Puede ser necesario registrar únicamente el ajuste o revisar el asiento original y contabilizar la información corregida. La cuenta utilizada dependerá de la naturaleza de la operación.",{"_uid":3910,"title":3911,"component":1501,"description":3912},"3de8198a-b342-4cf9-bd2b-468dfde7a7b0","¿Cómo se registra una factura rectificativa recibida en el SII?",{"type":183,"content":3913},[3914],{"type":186,"attrs":3915,"content":3916},{"textAlign":25},[3917],{"text":3918,"type":192},"Debe registrarse con la información que corresponda al documento recibido y relacionarse con la factura original. Las claves y los detalles dependen del tipo de rectificación. Consulta las instrucciones vigentes de la AEAT y no utilices automáticamente las claves aplicables al emisor.",{"_uid":3920,"title":3921,"component":1501,"description":3922},"20384bf0-64c3-479b-a155-1c8502bcef01","¿Cómo ayuda Spendesk a gestionar facturas rectificativas?",{"type":183,"content":3923},[3924],{"type":186,"attrs":3925,"content":3926},{"textAlign":25},[3927],{"text":3928,"type":192},"Una rectificativa es más fácil de controlar cuando queda vinculada desde el principio a la factura original. Spendesk permite centralizar facturas y notas de crédito, extraer o pre-rellenar sus datos, asociarlas con pedidos y documentación de recepción cuando corresponde, gestionar aprobaciones y preparar información para contabilidad. La empresa o su asesoría debe validar el tratamiento contable, fiscal y del SII.",[3930],{"cta":3931,"_uid":3932,"title":3933,"eyebrow":3939,"subtitle":3944,"component":368,"textAlign":90,"flexibleSection":3949,"sectionSettings":3950,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"9be9d986-57fe-4809-9231-9c6dd8799a39",{"type":183,"content":3934},[3935],{"type":368,"attrs":3936,"content":3937},{"level":370,"textAlign":25},[3938],{"text":3506,"type":192},{"type":183,"content":3940},[3941],{"type":186,"attrs":3942,"content":3943},{"textAlign":25},[],{"type":183,"content":3945},[3946],{"type":186,"attrs":3947,"content":3948},{"textAlign":25},[],[],[],"factura-rectificativa-y-factura-de-abono","es/blog/factura-rectificativa-y-factura-de-abono",-3130,[],"ef348daa-7525-4ef4-9ac0-1d4bd6ebe185","2026-09-02T13:33:00.225Z",[],"blog/factura-rectificativa-y-factura-de-abono",[3960,3961,3962],{"path":3958,"name":25,"lang":37,"published":25},{"path":3958,"name":25,"lang":39,"published":25},{"path":3958,"name":25,"lang":32,"published":25},{"name":3964,"created_at":3965,"published_at":3966,"updated_at":3967,"id":3968,"uuid":3969,"content":3970,"slug":4101,"full_slug":4102,"sort_by_date":25,"position":4103,"tag_list":4104,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":4105,"first_published_at":4106,"release_id":25,"lang":32,"path":25,"alternates":4107,"default_full_slug":4108,"translated_slugs":4109},"Modelo 390: resumen anual del IVA, quién lo presenta, casillas clave y errores","2026-09-02T13:32:49.504Z","2026-09-10T13:45:14.835Z","2026-09-10T13:45:14.860Z",215721449532360,"c99f0e3f-6da1-4185-9565-094ef52b891f",{"_uid":3971,"title":3964,"topics":3972,"noIndex":28,"category":3981,"language":3990,"component":1430,"heroMedia":3991,"metaTitle":3992,"publishedAt":3993,"readingTime":3553,"redirectUrl":90,"listingImage":3994,"metaDescription":4003,"bottomArticleCta":4004,"componentsAfterTheArticle":4005},"44ff9429-7c9b-42bf-b0a5-b8ed4114b479",[3973],{"name":1842,"created_at":3814,"published_at":16,"updated_at":3815,"id":3816,"uuid":3817,"content":3974,"slug":3820,"full_slug":3821,"sort_by_date":25,"position":3822,"tag_list":3975,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":3824,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":3976,"default_full_slug":3827,"translated_slugs":3977,"_stopResolving":41},{"_uid":3819,"name":1842,"component":22},[],[],[3978,3979,3980],{"path":3827,"name":25,"lang":37,"published":25},{"path":3827,"name":25,"lang":39,"published":25},{"path":3827,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":3982,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":3984,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":3985,"default_full_slug":1437,"translated_slugs":3986,"_stopResolving":41},{"_uid":1424,"icon":3983,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[3987,3988,3989],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Modelo 390: resumen anual del IVA, quién lo presenta, casill","2026-08-25 00:00",[3995],{"_uid":3996,"link":3997,"asset":3998,"caption":90,"component":425},"c5e8bc46-7451-43bf-a998-28fd00bf481e",{"id":90,"url":90,"linktype":1453,"fieldtype":175,"cached_url":2881,"prep":41},{"id":3999,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4000,"copyright":90,"fieldtype":171,"meta_data":4001,"is_external_url":28},218555405333603,"https://a.storyblok.com/f/146026/1671x941/bd54bf81e9/modelo-390-1.png",{"size":4002},"1671x941","Qué es el Modelo 390, quién debe presentarlo, quién queda exonerado y cómo conciliarlo con los modelos 303 y las principales casillas del resumen anual del IVA.",[],[4006],{"_uid":4007,"items":4008,"heading":4079,"component":1738},"55a4787c-f921-4881-83c4-ef5b8473e554",[4009,4019,4029,4039,4049,4059,4069],{"_uid":4010,"title":4011,"component":1501,"description":4012},"10d29113-a8f5-4b88-8326-e0d65c863aa0","¿Qué es el Modelo 390?",{"type":183,"content":4013},[4014],{"type":186,"attrs":4015,"content":4016},{"textAlign":25},[4017],{"text":4018,"type":192},"El Modelo 390 es la declaración-resumen anual del IVA. Recopila información sobre las operaciones y autoliquidaciones del ejercicio y no implica, por sí mismo, un nuevo pago o devolución.",{"_uid":4020,"title":4021,"component":1501,"description":4022},"eab524f8-8182-4ea3-ac1c-2e9c99de0de6","¿Quién debe presentar el Modelo 390?",{"type":183,"content":4023},[4024],{"type":186,"attrs":4025,"content":4026},{"textAlign":25},[4027],{"text":4028,"type":192},"Deben revisar su obligación los sujetos pasivos del IVA que presenten autoliquidaciones periódicas y no estén incluidos en un supuesto de exoneración. La obligación depende del régimen fiscal, la periodicidad y la actividad de la empresa.",{"_uid":4030,"title":4031,"component":1501,"description":4032},"22e5cc60-f446-4bb9-adcd-7bad5bcc2e7f","¿Hay que presentar el Modelo 390 si los modelos 303 fueron a cero?",{"type":183,"content":4033},[4034],{"type":186,"attrs":4035,"content":4036},{"textAlign":25},[4037],{"text":4038,"type":192},"La presentación de modelos 303 a cero no determina automáticamente la exoneración. Si la empresa no encaja en una excepción, debe comprobar si mantiene la obligación de presentar el Modelo 390.",{"_uid":4040,"title":4041,"component":1501,"description":4042},"6d793610-2298-4bbc-bd6b-25109052b464","¿Cuál es la diferencia entre el Modelo 390 y el Modelo 303?",{"type":183,"content":4043},[4044],{"type":186,"attrs":4045,"content":4046},{"textAlign":25},[4047],{"text":4048,"type":192},"El Modelo 303 es la autoliquidación periódica del IVA. El Modelo 390 es el resumen anual de la información del ejercicio. El 390 no sustituye a los modelos 303 ni funciona como una nueva autoliquidación.",{"_uid":4050,"title":4051,"component":1501,"description":4052},"b2916a89-1e60-4a58-9251-61e53cfc7e49","¿Qué se incluye en la casilla 105?",{"type":183,"content":4053},[4054],{"type":186,"attrs":4055,"content":4056},{"textAlign":25},[4057],{"text":4058,"type":192},"La casilla 105 recoge el importe de determinadas operaciones exentas sin derecho a deducción. Debe utilizarse únicamente cuando la operación cumple las condiciones del supuesto de exención correspondiente.",{"_uid":4060,"title":4061,"component":1501,"description":4062},"501e47a4-e93b-4b9a-8ccb-13a5830f9ba5","¿Cómo se corrige un error en el Modelo 390?",{"type":183,"content":4063},[4064],{"type":186,"attrs":4065,"content":4066},{"textAlign":25},[4067],{"text":4068,"type":192},"Primero identifica si el error afecta también a un modelo 303 o a los registros contables. Después, revisa las instrucciones de la AEAT para determinar si corresponde presentar una declaración sustitutiva u otra forma de rectificación.",{"_uid":4070,"title":4071,"component":1501,"description":4072},"5cc78bc1-0bcd-4d06-a8d4-e11abccc9168","¿Cómo ayuda Spendesk a preparar el Modelo 390?",{"type":183,"content":4073},[4074],{"type":186,"attrs":4075,"content":4076},{"textAlign":25},[4077],{"text":4078,"type":192},"La conciliación del Modelo 390 depende de que cada factura del ejercicio esté registrada en el periodo correcto, con el IVA bien clasificado. Spendesk permite centralizar facturas y justificantes, extraer datos mediante OCR, organizar información contable y de IVA, gestionar aprobaciones y exportar datos a herramientas contables. La empresa o su asesoría debe revisar la información y determinar qué debe declararse en cada casilla.",[4080],{"cta":4081,"_uid":4082,"title":4083,"eyebrow":4089,"subtitle":4094,"component":368,"textAlign":90,"flexibleSection":4099,"sectionSettings":4100,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"882ac242-5c90-41e2-b783-03a067b89050",{"type":183,"content":4084},[4085],{"type":368,"attrs":4086,"content":4087},{"level":370,"textAlign":25},[4088],{"text":3506,"type":192},{"type":183,"content":4090},[4091],{"type":186,"attrs":4092,"content":4093},{"textAlign":25},[],{"type":183,"content":4095},[4096],{"type":186,"attrs":4097,"content":4098},{"textAlign":25},[],[],[],"modelo-390","es/blog/modelo-390",-3120,[],"5095905f-518b-4d56-97b7-f9946b641ce4","2026-09-02T13:32:49.570Z",[],"blog/modelo-390",[4110,4111,4112],{"path":4108,"name":25,"lang":37,"published":25},{"path":4108,"name":25,"lang":39,"published":25},{"path":4108,"name":25,"lang":32,"published":25},{"name":4114,"created_at":4115,"published_at":4116,"updated_at":4117,"id":4118,"uuid":4119,"content":4120,"slug":4258,"full_slug":4259,"sort_by_date":25,"position":4260,"tag_list":4261,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":4262,"first_published_at":4263,"release_id":25,"lang":32,"path":25,"alternates":4264,"default_full_slug":4265,"translated_slugs":4266},"IVA soportado en los gastos de empresa y de empleados: qué se puede deducir y cómo","2026-08-27T10:05:50.742Z","2026-08-27T12:34:56.227Z","2026-08-27T12:34:56.247Z",213547215890359,"38a992a6-679c-4dcb-9b49-735825fc2950",{"_uid":4121,"title":4114,"topics":4122,"noIndex":28,"category":4139,"language":4148,"component":1430,"heroMedia":4149,"metaTitle":4150,"publishedAt":90,"readingTime":4151,"redirectUrl":90,"listingImage":4152,"metaDescription":4160,"bottomArticleCta":4161,"componentsAfterTheArticle":4162},"8af78eab-9798-45f3-92f2-166648e6ac31",[4123],{"name":1858,"created_at":4124,"published_at":16,"updated_at":4125,"id":4126,"uuid":4127,"content":4128,"slug":4129,"full_slug":4130,"sort_by_date":25,"position":3822,"tag_list":4131,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":4132,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":4133,"default_full_slug":4134,"translated_slugs":4135,"_stopResolving":41},"2023-04-12T07:13:25.147Z","2026-03-12T10:47:54.304Z",290525525,"06802810-57db-474a-ae2f-e0f002cb19bf",{"_uid":3819,"name":1858,"component":22},"gastos","es/blog/topic/gastos",[],"64c72f54-59b5-40c2-acfd-1ce316754792",[],"blog/topic/gastos",[4136,4137,4138],{"path":4134,"name":25,"lang":37,"published":25},{"path":4134,"name":25,"lang":39,"published":25},{"path":4134,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":4140,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":4142,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":4143,"default_full_slug":1437,"translated_slugs":4144,"_stopResolving":41},{"_uid":1424,"icon":4141,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[4145,4146,4147],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"IVA soportado en los gastos de empresa y de empleados: qué s","16",[4153],{"_uid":4154,"asset":4155,"caption":90,"component":425},"1de8f75f-1bd0-42ee-a5c2-08022b3d42c8",{"id":4156,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4157,"copyright":90,"fieldtype":171,"meta_data":4158,"is_external_url":28},213582395689572,"https://a.storyblok.com/f/146026/1535x1024/e848c12268/iva-soportado.png",{"size":4159},"1535x1024","Descubre cómo gestionar el IVA soportado de los gastos de empresa y empleados, qué documentación necesitas y cómo preparar la información para tu Modelo 303.",[],[4163],{"_uid":4164,"items":4165,"heading":4236,"component":1738},"5cc20ce9-9c68-49f4-8c7d-06d62c5f2ed6",[4166,4176,4186,4196,4206,4216,4226],{"_uid":4167,"title":4168,"component":1501,"description":4169},"ef3bd6d4-8891-4fbc-987a-33a4b36e6d23","¿Cuál es la diferencia entre IVA soportado e IVA repercutido?",{"type":183,"content":4170},[4171],{"type":186,"attrs":4172,"content":4173},{"textAlign":25},[4174],{"text":4175,"type":192},"El IVA soportado es el que la empresa paga en sus compras y gastos. El IVA repercutido es el que cobra a sus clientes en sus ventas o servicios. La liquidación periódica tiene en cuenta ambos conceptos, conforme a las reglas aplicables.",{"_uid":4177,"title":4178,"component":1501,"description":4179},"cf52c420-13e2-41d2-8022-5afcb0679c90","¿Cuál es la diferencia entre IVA devengado e IVA deducible?",{"type":183,"content":4180},[4181],{"type":186,"attrs":4182,"content":4183},{"textAlign":25},[4184],{"text":4185,"type":192},"El IVA devengado se refiere al momento en que nace la obligación tributaria de una operación. El IVA deducible es la parte del IVA soportado que la empresa puede restar cuando cumple los requisitos correspondientes.",{"_uid":4187,"title":4188,"component":1501,"description":4189},"debf2315-76f3-495f-8c56-d7ea4f3ae93f","¿Se puede deducir el IVA de las comidas de empresa?",{"type":183,"content":4190},[4191],{"type":186,"attrs":4192,"content":4193},{"textAlign":25},[4194],{"text":4195,"type":192},"Puede ser deducible cuando la comida está relacionada con la actividad, el gasto cumple las condiciones fiscales aplicables y existe una factura o justificante válido. Conviene conservar también información sobre el motivo del gasto y sus participantes cuando sea necesario.",{"_uid":4197,"title":4198,"component":1501,"description":4199},"e7aac6c8-ff94-4088-a783-78f5b88c4790","¿Se puede deducir el IVA de un parking o un peaje?",{"type":183,"content":4200},[4201],{"type":186,"attrs":4202,"content":4203},{"textAlign":25},[4204],{"text":4205,"type":192},"No automáticamente. Aunque el parking o el peaje estén relacionados con un desplazamiento profesional, también hay que revisar el vehículo utilizado, su grado de afectación a la actividad, las limitaciones aplicables y la documentación disponible.",{"_uid":4207,"title":4208,"component":1501,"description":4209},"371f6fee-8c41-4623-a073-54725d76a526","¿Qué debe mostrar una factura para poder deducir el IVA?",{"type":183,"content":4210},[4211],{"type":186,"attrs":4212,"content":4213},{"textAlign":25},[4214],{"text":4215,"type":192},"Debe reunir los datos fiscales exigidos para identificar la operación, al proveedor y a la empresa, además de mostrar la información sobre la base y el IVA cuando corresponda. Un justificante simplificado o incompleto puede no permitir la deducción.",{"_uid":4217,"title":4218,"component":1501,"description":4219},"e9444e3a-edbd-4f78-8bcc-96b70fb1639a","¿Cómo se gestionan los gastos profesionales que pagan los empleados?",{"type":183,"content":4220},[4221],{"type":186,"attrs":4222,"content":4223},{"textAlign":25},[4224],{"text":4225,"type":192},"La empresa debe reunir la documentación, comprobar la relación con la actividad, revisar el tratamiento de IVA y registrar la operación en su sistema contable. Después, el equipo financiero o la asesoría determina cómo incluirla en la liquidación correspondiente.",{"_uid":4227,"title":4228,"component":1501,"description":4229},"0c2abf90-247e-45db-8267-9bebb578aa85","¿Cómo ayuda Spendesk a gestionar el IVA soportado de los gastos?",{"type":183,"content":4230},[4231],{"type":186,"attrs":4232,"content":4233},{"textAlign":25},[4234],{"text":4235,"type":192},"Spendesk permite a los empleados subir una foto del justificante desde la aplicación en el momento de compra, extrae datos básicos mediante reconocimiento óptico de caracteres (OCR) y centraliza la documentación junto a la transacción. El equipo financiero puede revisar los gastos, asignar categorías y tipos de IVA, gestionar aprobaciones y exportar la información a herramientas contables. 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La factura documenta la operación y el importe que debe pagarse. La factura que cumple los requisitos formales aplicables puede servir como justificante fiscal, mientras que el albarán aporta evidencia sobre lo que se recibió.",{"_uid":4324,"title":4325,"component":1501,"description":4326},"bd8d8d0e-2900-41fe-a49d-175565cfd252","¿Tiene el albarán validez fiscal?",{"type":183,"content":4327},[4328],{"type":186,"attrs":4329,"content":4330},{"textAlign":25},[4331],{"text":4332,"type":192},"El albarán no sustituye a la factura a efectos de facturación o deducción del IVA. Puede servir como evidencia comercial y operativa de la entrega, especialmente cuando se conserva junto con el pedido y la factura.",{"_uid":4334,"title":4335,"component":1501,"description":4336},"bc7875ad-6867-4cac-87c5-3f7029e8de8b","¿Qué datos debe incluir un albarán de entrega?",{"type":183,"content":4337},[4338],{"type":186,"attrs":4339,"content":4340},{"textAlign":25},[4341],{"text":4342,"type":192},"Conviene que incluya el número de albarán, la fecha, el número de pedido, los datos del proveedor y del receptor, la descripción de los productos, las cantidades entregadas y cualquier incidencia observada durante la recepción.",{"_uid":4344,"title":4345,"component":1501,"description":4346},"2cf0d000-6486-4526-a5fd-1c8504fdf2a8","¿Se puede contabilizar una factura sin albarán?",{"type":183,"content":4347},[4348],{"type":186,"attrs":4349,"content":4350},{"textAlign":25},[4351],{"text":4352,"type":192},"En determinados casos, sí. El albarán no es un requisito universal para registrar una factura, pero su ausencia puede dificultar la comprobación de que los bienes se recibieron correctamente. La empresa debe aplicar sus controles internos y conservar la documentación disponible.",{"_uid":4354,"title":4355,"component":1501,"description":4356},"11ea72da-f60a-4990-a722-b9ca7e89ef79","¿Qué es la verificación a tres vías?",{"type":183,"content":4357},[4358],{"type":186,"attrs":4359,"content":4360},{"textAlign":25},[4361],{"text":4362,"type":192},"Es la comparación entre el pedido, el albarán y la factura. El pedido muestra lo que se solicitó, el albarán lo que se entregó y la factura lo que se está cobrando. El objetivo es detectar diferencias antes de aprobar el pago.",{"_uid":4364,"title":4365,"component":1501,"description":4366},"5be6784a-dab5-438a-9951-f7c9016d4c69","¿Cómo ayuda Spendesk a conciliar albaranes y facturas?",{"type":183,"content":4367},[4368],{"type":186,"attrs":4369,"content":4370},{"textAlign":25},[4371],{"text":4372,"type":192},"Spendesk puede comparar los datos de las facturas con los pedidos de compra y los albaranes para detectar discrepancias antes de la aprobación. También permite centralizar la documentación, dirigir las facturas a los responsables correspondientes y mantener un registro del proceso de aprobación.",[4374],{"cta":4375,"_uid":4376,"title":4377,"eyebrow":4383,"subtitle":4388,"component":368,"textAlign":90,"flexibleSection":4393,"sectionSettings":4394,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"a9933b44-0156-4411-9df3-c97aeb6fd989",{"type":183,"content":4378},[4379],{"type":368,"attrs":4380,"content":4381},{"level":370,"textAlign":25},[4382],{"text":3506,"type":192},{"type":183,"content":4384},[4385],{"type":186,"attrs":4386,"content":4387},{"textAlign":25},[],{"type":183,"content":4389},[4390],{"type":186,"attrs":4391,"content":4392},{"textAlign":25},[],[],[],"albaran-y-factura","es/blog/albaran-y-factura",-2960,[],"2d0e9977-fc0a-4f90-8c97-49706aa81d1b","2026-08-27T10:05:49.366Z",[],"blog/albaran-y-factura",[4404,4405,4406],{"path":4402,"name":25,"lang":37,"published":25},{"path":4402,"name":25,"lang":39,"published":25},{"path":4402,"name":25,"lang":32,"published":25},{"name":4408,"created_at":4409,"published_at":4410,"updated_at":4411,"id":4412,"uuid":4413,"content":4414,"slug":4542,"full_slug":4543,"sort_by_date":25,"position":4544,"tag_list":4545,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":4546,"first_published_at":4547,"release_id":25,"lang":32,"path":25,"alternates":4548,"default_full_slug":4549,"translated_slugs":4550},"Flujo de caja: cómo construir y leer el estado de tesorería de tu empresa","2026-08-27T10:05:47.852Z","2026-09-10T12:48:23.439Z","2026-09-10T12:48:23.473Z",213547204048720,"59e8d522-0d9e-48f4-8516-3a3c5f1e6fbb",{"_uid":4415,"title":4408,"topics":4416,"noIndex":28,"category":4434,"language":4443,"component":1430,"heroMedia":4444,"metaTitle":4445,"publishedAt":3419,"readingTime":4446,"redirectUrl":90,"listingImage":4447,"metaDescription":4454,"bottomArticleCta":4455,"componentsAfterTheArticle":4456},"e53ba4dd-df21-4b02-a075-469a60d77938",[4417],{"name":4418,"created_at":4419,"published_at":16,"updated_at":4420,"id":4421,"uuid":4422,"content":4423,"slug":4424,"full_slug":4425,"sort_by_date":25,"position":3822,"tag_list":4426,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":4427,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":4428,"default_full_slug":4429,"translated_slugs":4430,"_stopResolving":41},"Presupuestos","2023-06-08T09:19:29.066Z","2026-03-12T10:47:57.219Z",320660662,"636a19ab-b2b0-4a0e-bbd5-e24ac80d6aa4",{"_uid":3819,"name":4418,"component":22},"presupuestos","es/blog/topic/presupuestos",[],"fe2bdee7-65aa-48af-9e56-ed40b8f17611",[],"blog/topic/presupuestos",[4431,4432,4433],{"path":4429,"name":25,"lang":37,"published":25},{"path":4429,"name":25,"lang":39,"published":25},{"path":4429,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":4435,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":4437,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":4438,"default_full_slug":1437,"translated_slugs":4439,"_stopResolving":41},{"_uid":1424,"icon":4436,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[4440,4441,4442],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Flujo de caja: cómo construir y leer el estado de tesorería ","13",[4448],{"_uid":4449,"asset":4450,"caption":90,"component":425},"f303499c-ab17-4964-a49e-9d2994c7f5d5",{"id":4451,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4452,"copyright":90,"fieldtype":171,"meta_data":4453,"is_external_url":28},218541575241457,"https://a.storyblok.com/f/146026/1672x941/bd6cce0a37/flujo-de-caja-es.png",{"size":3429},"Aprende qué es el flujo de caja, cómo construir un presupuesto de tesorería en Excel y cómo leerlo para anticipar tensiones de liquidez.",[],[4457],{"_uid":4458,"items":4459,"heading":4520,"component":1738},"a7dda334-4112-420f-a19d-5adb1a97aa87",[4460,4470,4480,4490,4500,4510],{"_uid":4461,"title":4462,"component":1501,"description":4463},"b973dc75-bb68-4f42-acc4-d08565ea73a8","¿Puede una empresa con beneficios tener un flujo de caja negativo?",{"type":183,"content":4464},[4465],{"type":186,"attrs":4466,"content":4467},{"textAlign":25},[4468],{"text":4469,"type":192},"Sí. Una empresa puede reconocer ingresos antes de cobrarlos y, al mismo tiempo, tener que pagar nóminas, proveedores, impuestos u otras obligaciones. Por eso el beneficio y la liquidez deben analizarse por separado.",{"_uid":4471,"title":4472,"component":1501,"description":4473},"612d5057-41b1-4bfb-9bd0-a69f82564b78","¿Cada cuánto conviene actualizar el presupuesto de tesorería?",{"type":183,"content":4474},[4475],{"type":186,"attrs":4476,"content":4477},{"textAlign":25},[4478],{"text":4479,"type":192},"Como mínimo, una vez al mes. Si la empresa tiene mucha actividad o atraviesa una etapa de tensión de liquidez, puede ser útil actualizarlo con mayor frecuencia.",{"_uid":4481,"title":4482,"component":1501,"description":4483},"9c422bb1-6acc-4fe8-848f-e265e7affaa5","¿Qué diferencia hay entre un presupuesto de tesorería y un seguimiento de caja?",{"type":183,"content":4484},[4485],{"type":186,"attrs":4486,"content":4487},{"textAlign":25},[4488],{"text":4489,"type":192},"El presupuesto muestra los cobros y pagos previstos. El seguimiento incorpora los movimientos reales, compara ambos datos y explica las desviaciones.",{"_uid":4491,"title":4492,"component":1501,"description":4493},"0fea39f0-0c4f-41db-a576-9135682e51f3","¿Cómo se incluye el IVA en un presupuesto de tesorería?",{"type":183,"content":4494},[4495],{"type":186,"attrs":4496,"content":4497},{"textAlign":25},[4498],{"text":4499,"type":192},"Los cobros y pagos deben registrarse por el importe que realmente entra o sale de la cuenta. Las liquidaciones periódicas de IVA deben reflejarse como movimientos de caja independientes en la fecha prevista, evitando duplicar el IVA ya incluido en facturas cobradas o pagadas.",{"_uid":4501,"title":4502,"component":1501,"description":4503},"256ee792-6f3d-491e-bd8d-157ceb66a51f","¿Qué herramientas pueden ayudar a gestionar el flujo de caja?",{"type":183,"content":4504},[4505],{"type":186,"attrs":4506,"content":4507},{"textAlign":25},[4508],{"text":4509,"type":192},"Excel puede ser suficiente para empezar. Cuando aumenta el volumen de facturas, tarjetas, solicitudes y pagos, una solución de gestión del gasto puede ayudar a centralizar los datos y mantener actualizada la información que alimenta el presupuesto.",{"_uid":4511,"title":4512,"component":1501,"description":4513},"c291cd54-fb0f-40b3-a0bf-f369443c4354","¿Cómo ayuda Spendesk a gestionar el flujo de caja?",{"type":183,"content":4514},[4515],{"type":186,"attrs":4516,"content":4517},{"textAlign":25},[4518],{"text":4519,"type":192},"El presupuesto de tesorería es tan fiable como los datos de gasto que lo alimentan. Spendesk centraliza tarjetas, facturas y solicitudes de gasto desde que se producen, permite configurar presupuestos con esa misma estructura y muestra el impacto de cada pago sobre lo planificado antes de que se ejecute. Esto ayuda a que el cuadro de tesorería se apoye en compromisos reales en lugar de estimaciones sueltas, aunque no sustituye la previsión de tesorería ni el análisis del equipo financiero.",[4521],{"cta":4522,"_uid":4523,"title":4524,"eyebrow":4530,"subtitle":4535,"component":368,"textAlign":90,"flexibleSection":4540,"sectionSettings":4541,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"bb6e7474-1827-4974-a982-aeacca67c897",{"type":183,"content":4525},[4526],{"type":368,"attrs":4527,"content":4528},{"level":370,"textAlign":25},[4529],{"text":3506,"type":192},{"type":183,"content":4531},[4532],{"type":186,"attrs":4533,"content":4534},{"textAlign":25},[],{"type":183,"content":4536},[4537],{"type":186,"attrs":4538,"content":4539},{"textAlign":25},[],[],[],"flujo-de-caja","es/blog/flujo-de-caja",-2950,[],"8fa8c174-18a2-4c99-8fe9-19113df46475","2026-08-27T10:05:47.916Z",[],"blog/flujo-de-caja",[4551,4552,4553],{"path":4549,"name":25,"lang":37,"published":25},{"path":4549,"name":25,"lang":39,"published":25},{"path":4549,"name":25,"lang":32,"published":25},{"name":4555,"created_at":4556,"published_at":4557,"updated_at":4558,"id":4559,"uuid":4560,"content":4561,"slug":4691,"full_slug":4692,"sort_by_date":25,"position":4693,"tag_list":4694,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":4695,"first_published_at":4696,"release_id":25,"lang":32,"path":25,"alternates":4697,"default_full_slug":4698,"translated_slugs":4699},"Suministro Inmediato de Información (SII): quién está obligado y cómo funciona","2026-08-27T10:05:46.612Z","2026-08-27T13:15:06.420Z","2026-08-27T13:15:06.441Z",213547198969678,"c9ee313b-7bc8-4d4c-b5f5-f07f5ef3f0d4",{"_uid":4562,"title":4555,"topics":4563,"noIndex":28,"category":4572,"language":4581,"component":1430,"heroMedia":4582,"metaTitle":4583,"publishedAt":3419,"readingTime":4584,"redirectUrl":90,"listingImage":4585,"metaDescription":4593,"bottomArticleCta":4594,"componentsAfterTheArticle":4595},"7c8baf82-c72c-4bd0-978c-914b4de81327",[4564],{"name":1842,"created_at":3814,"published_at":16,"updated_at":3815,"id":3816,"uuid":3817,"content":4565,"slug":3820,"full_slug":3821,"sort_by_date":25,"position":3822,"tag_list":4566,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":3824,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":4567,"default_full_slug":3827,"translated_slugs":4568,"_stopResolving":41},{"_uid":3819,"name":1842,"component":22},[],[],[4569,4570,4571],{"path":3827,"name":25,"lang":37,"published":25},{"path":3827,"name":25,"lang":39,"published":25},{"path":3827,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":4573,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":4575,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":4576,"default_full_slug":1437,"translated_slugs":4577,"_stopResolving":41},{"_uid":1424,"icon":4574,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[4578,4579,4580],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Suministro Inmediato de Información (SII): quién está obliga","15",[4586],{"_uid":4587,"asset":4588,"caption":90,"component":425},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":4589,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4590,"copyright":90,"fieldtype":171,"meta_data":4591,"is_external_url":28},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":4592},"1536x1024","Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[4596],{"_uid":4597,"items":4598,"heading":4669,"component":1738},"def80281-c114-48d8-922b-c6452f4b32e1",[4599,4609,4619,4629,4639,4649,4659],{"_uid":4600,"title":4601,"component":1501,"description":4602},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":183,"content":4603},[4604],{"type":186,"attrs":4605,"content":4606},{"textAlign":25},[4607],{"text":4608,"type":192},"El SII es la llevanza electrónica de los libros registro del IVA a través de la Sede de la AEAT. Las empresas incluidas deben enviar determinados registros de facturación dentro de plazos breves. No es una declaración adicional, sino una forma distinta de mantener los libros del IVA.",{"_uid":4610,"title":4611,"component":1501,"description":4612},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":183,"content":4613},[4614],{"type":186,"attrs":4615,"content":4616},{"textAlign":25},[4617],{"text":4618,"type":192},"Están obligadas, entre otras, las grandes empresas que superan el volumen de operaciones establecido, las empresas inscritas en REDEME, las entidades acogidas al régimen especial del grupo de entidades del IVA y determinados titulares y extractores de productos de depósitos fiscales de hidrocarburos.",{"_uid":4620,"title":4621,"component":1501,"description":4622},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":183,"content":4623},[4624],{"type":186,"attrs":4625,"content":4626},{"textAlign":25},[4627],{"text":4628,"type":192},"Sí. Los sujetos pasivos que no estén obligados pueden optar voluntariamente mediante el procedimiento previsto por la AEAT, normalmente a través del modelo 036. La opción está sujeta a condiciones de permanencia y renuncia.",{"_uid":4630,"title":4631,"component":1501,"description":4632},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":183,"content":4633},[4634],{"type":186,"attrs":4635,"content":4636},{"textAlign":25},[4637],{"text":4638,"type":192},"El plazo general es de cuatro días naturales. Para las facturas expedidas por el destinatario o por un tercero, puede aplicarse un plazo de ocho días. En las facturas recibidas, el plazo se calcula generalmente desde el registro contable. También deben respetarse los límites vinculados al periodo de liquidación.",{"_uid":4640,"title":4641,"component":1501,"description":4642},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":183,"content":4643},[4644],{"type":186,"attrs":4645,"content":4646},{"textAlign":25},[4647],{"text":4648,"type":192},"En los términos previstos por la normativa, las empresas acogidas al SII quedan exoneradas de presentar los modelos 347 y 390. La empresa puede tener que incluir información adicional en el modelo 303 del último periodo del ejercicio.",{"_uid":4650,"title":4651,"component":1501,"description":4652},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":183,"content":4653},[4654],{"type":186,"attrs":4655,"content":4656},{"textAlign":25},[4657],{"text":4658,"type":192},"El SII regula el suministro electrónico de los registros del IVA. VeriFactu establece requisitos para los sistemas informáticos de facturación. La factura electrónica B2B regula el intercambio de facturas electrónicas entre empresas y profesionales. Son obligaciones diferentes y no se sustituyen automáticamente entre sí.",{"_uid":4660,"title":4661,"component":1501,"description":4662},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":183,"content":4663},[4664],{"type":186,"attrs":4665,"content":4666},{"textAlign":25},[4667],{"text":4668,"type":192},"Spendesk centraliza la recepción de facturas de proveedores y extrae los datos mediante OCR desde el primer momento. La información contable y de IVA se organiza antes de dirigirse al flujo de aprobación configurado, y los datos ya validados pueden exportarse a la herramienta contable de la empresa. Esto ayuda a mantener un flujo de cuentas por pagar más ordenado y con menos margen para retrasos, aunque la validación final de la información y el suministro al SII siguen correspondiendo a la empresa conforme a sus 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347: qué es, quién lo presenta y cómo cuadrar las ope",[4734],{"_uid":4735,"asset":4736,"caption":90,"component":425},"524fd86d-0162-40d0-8d0c-df1c150e52c3",{"id":4737,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4738,"copyright":90,"fieldtype":171,"meta_data":4739,"is_external_url":28},218544053612632,"https://a.storyblok.com/f/146026/1672x941/8afacabb0f/modelo-347.png",{"size":3429},"Descubre qué es el modelo 347, quién debe presentarlo, qué operaciones se declaran y cómo cuadrar los datos con proveedores y clientes antes de febrero.",[],[4743],{"_uid":4744,"items":4745,"heading":4806,"component":1738},"e16a1b38-8a3e-4bdc-9517-c2db347bb109",[4746,4756,4766,4776,4786,4796],{"_uid":4747,"title":4748,"component":1501,"description":4749},"49aa426d-fb37-4d02-8604-8753e11c75ae","¿El modelo 347 supone algún pago a Hacienda?",{"type":183,"content":4750},[4751],{"type":186,"attrs":4752,"content":4753},{"textAlign":25},[4754],{"text":4755,"type":192},"No. El modelo 347 es una declaración informativa y no implica, por sí mismo, un ingreso ni una devolución.",{"_uid":4757,"title":4758,"component":1501,"description":4759},"d5f8692d-a5d7-4d67-b5bb-2cb8fd4835cc","¿Quién debe presentar el modelo 347?",{"type":183,"content":4760},[4761],{"type":186,"attrs":4762,"content":4763},{"textAlign":25},[4764],{"text":4765,"type":192},"Deben revisar su obligación las personas físicas y jurídicas que desarrollen actividades empresariales o profesionales y superen el umbral aplicable con una misma persona o entidad durante el año natural. También existen reglas específicas para determinadas entidades y regímenes fiscales.",{"_uid":4767,"title":4768,"component":1501,"description":4769},"68dd49af-838d-41c9-add2-85a0f7161fe3","¿Qué ocurre si mi modelo 347 no coincide con el de un proveedor o cliente?",{"type":183,"content":4770},[4771],{"type":186,"attrs":4772,"content":4773},{"textAlign":25},[4774],{"text":4775,"type":192},"La diferencia puede dar lugar a una solicitud de aclaraciones o documentación por parte de la AEAT. Conviene contrastar los importes anuales y trimestrales con la contraparte y revisar facturas, abonos, rectificaciones y periodos contables antes de presentar el modelo.",{"_uid":4777,"title":4778,"component":1501,"description":4779},"0e0fdda6-4ac5-4a52-b4f6-5718eb7dfe64","¿Las operaciones intracomunitarias se incluyen en el modelo 347?",{"type":183,"content":4780},[4781],{"type":186,"attrs":4782,"content":4783},{"textAlign":25},[4784],{"text":4785,"type":192},"Las operaciones que ya se hayan declarado correctamente en el modelo 349, cuando exista coincidencia entre las obligaciones informativas, no deben duplicarse en el modelo 347. El tratamiento puede variar según la operación y el régimen aplicable.",{"_uid":4787,"title":4788,"component":1501,"description":4789},"8e7f8716-9e11-452f-a190-0ab8e3a59985","¿Las importaciones y exportaciones se declaran en el modelo 347?",{"type":183,"content":4790},[4791],{"type":186,"attrs":4792,"content":4793},{"textAlign":25},[4794],{"text":4795,"type":192},"Las importaciones y exportaciones de mercancías se encuentran entre las operaciones excluidas en los supuestos previstos por la normativa. Otras operaciones internacionales deben analizarse según su naturaleza y la información declarada mediante otros modelos.",{"_uid":4797,"title":4798,"component":1501,"description":4799},"0a1b3209-710e-4c42-b996-e68d37c1a8ec","¿Cómo ayuda Spendesk a preparar la información del modelo 347?",{"type":183,"content":4800},[4801],{"type":186,"attrs":4802,"content":4803},{"textAlign":25},[4804],{"text":4805,"type":192},"Spendesk centraliza las facturas de proveedores desde que llegan, extrae los datos mediante OCR y las asocia automáticamente a un proveedor, una fecha, un importe y una categoría contable. Esto facilita la conciliación por contraparte que exige el modelo 347, en lugar de tener que reconstruirla a partir de registros dispersos en febrero. La empresa o su asesoría debe determinar, en cualquier caso, qué operaciones deben incluirse finalmente en el modelo 347.",[4807],{"cta":4808,"_uid":4809,"title":4810,"eyebrow":4816,"subtitle":4821,"component":368,"textAlign":90,"flexibleSection":4826,"sectionSettings":4827,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"7d4eb9dd-e2a2-4b28-ab66-4d67cdb8b1ed",{"type":183,"content":4811},[4812],{"type":368,"attrs":4813,"content":4814},{"level":370,"textAlign":25},[4815],{"text":3506,"type":192},{"type":183,"content":4817},[4818],{"type":186,"attrs":4819,"content":4820},{"textAlign":25},[],{"type":183,"content":4822},[4823],{"type":186,"attrs":4824,"content":4825},{"textAlign":25},[],[],[],"modelo-347","es/blog/modelo-347",-2930,[],"4a29a4dc-44ed-4c89-a829-8f36debe0d38","2026-08-27T10:05:45.238Z",[],"blog/modelo-347",[4837,4838,4839],{"path":4835,"name":25,"lang":37,"published":25},{"path":4835,"name":25,"lang":39,"published":25},{"path":4835,"name":25,"lang":32,"published":25},{"name":4841,"created_at":4842,"published_at":4843,"updated_at":4844,"id":4845,"uuid":4846,"content":4847,"slug":4976,"full_slug":4977,"sort_by_date":25,"position":4978,"tag_list":4979,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":4980,"first_published_at":4981,"release_id":25,"lang":32,"path":25,"alternates":4982,"default_full_slug":4983,"translated_slugs":4984},"Reembolso de gastos a empleados en España: política, aprobación, justificantes y contabilización","2026-08-26T15:56:50.628Z","2026-08-27T12:19:06.143Z","2026-08-27T12:19:06.169Z",213279582785116,"372fac67-5d7c-45c3-9dce-36588ee5c249",{"_uid":4848,"title":4841,"topics":4849,"noIndex":28,"category":4858,"language":4867,"component":1430,"heroMedia":4868,"metaTitle":4869,"publishedAt":4870,"readingTime":3844,"redirectUrl":90,"listingImage":4871,"metaDescription":4878,"bottomArticleCta":4879,"componentsAfterTheArticle":4880},"f4c11206-1a89-4ac9-a0da-4656d8ec3b64",[4850],{"name":1858,"created_at":4124,"published_at":16,"updated_at":4125,"id":4126,"uuid":4127,"content":4851,"slug":4129,"full_slug":4130,"sort_by_date":25,"position":3822,"tag_list":4852,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":4132,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":4853,"default_full_slug":4134,"translated_slugs":4854,"_stopResolving":41},{"_uid":3819,"name":1858,"component":22},[],[],[4855,4856,4857],{"path":4134,"name":25,"lang":37,"published":25},{"path":4134,"name":25,"lang":39,"published":25},{"path":4134,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":4859,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":4861,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":4862,"default_full_slug":1437,"translated_slugs":4863,"_stopResolving":41},{"_uid":1424,"icon":4860,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[4864,4865,4866],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Reembolso de gastos a empleados en España","2026-08-17 00:00",[4872],{"_uid":4873,"asset":4874,"caption":90,"component":425},"82df417e-54f1-41e6-b528-95fcfa289089",{"id":4875,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4876,"copyright":90,"fieldtype":171,"meta_data":4877,"is_external_url":28},213579896863121,"https://a.storyblok.com/f/146026/1535x1024/82488fa2d7/reembolso-de-gastos-a-empleados.png",{"size":4159},"Guía del reembolso de gastos a empleados en España: política, aprobación, justificantes, exención de IRPF y contabilización, sin frenar el cierre.",[],[4881],{"_uid":4882,"items":4883,"heading":4954,"component":1738},"7bc53a34-d0f2-4bc0-ac82-a7e48f034e4c",[4884,4894,4904,4914,4924,4934,4944],{"_uid":4885,"title":4886,"component":1501,"description":4887},"0ec09b07-3714-42f4-953d-9b36d2731530","¿Cómo gestiona una empresa el reembolso de gastos a sus empleados?",{"type":183,"content":4888},[4889],{"type":186,"attrs":4890,"content":4891},{"textAlign":25},[4892],{"text":4893,"type":192},"La empresa debe definir una política, recibir la solicitud con su justificante, revisar el gasto, aplicar las aprobaciones correspondientes, ordenar el pago y registrar la operación en contabilidad. El proceso puede gestionarse de forma independiente de la nómina.",{"_uid":4895,"title":4896,"component":1501,"description":4897},"a218143e-1a9d-42a8-9a67-faa9e29ede6c","¿Qué información debe incluir una solicitud de reembolso?",{"type":183,"content":4898},[4899],{"type":186,"attrs":4900,"content":4901},{"textAlign":25},[4902],{"text":4903,"type":192},"Como mínimo, debería incluir el empleado, la fecha, el proveedor, el importe, la divisa, la categoría, el motivo empresarial y el justificante. La empresa puede solicitar también el centro de coste, el proyecto, el cliente o cualquier otro dato necesario para la aprobación y la contabilización.",{"_uid":4905,"title":4906,"component":1501,"description":4907},"df185c0d-c4a5-44a2-ac33-a226581761b7","¿Cuánto tarda un reembolso de gastos?",{"type":183,"content":4908},[4909],{"type":186,"attrs":4910,"content":4911},{"textAlign":25},[4912],{"text":4913,"type":192},"El plazo depende de la política interna, del tiempo de aprobación y del método de pago utilizado. La empresa debería comunicar el calendario a los empleados y revisar las solicitudes con una frecuencia suficiente para evitar que adelanten dinero durante más tiempo del necesario.",{"_uid":4915,"title":4916,"component":1501,"description":4917},"7268af82-1506-4f4d-8de9-3b592377ca38","¿Qué ocurre si se pierde un justificante?",{"type":183,"content":4918},[4919],{"type":186,"attrs":4920,"content":4921},{"textAlign":25},[4922],{"text":4923,"type":192},"La empresa debe aplicar el procedimiento definido en su política. Puede solicitar documentación alternativa, rechazar el gasto o aprobarlo con un tratamiento contable diferente, según la naturaleza de la operación y la información disponible. La ausencia de un justificante válido puede afectar a la deducción del IVA y al tratamiento fiscal del gasto.",{"_uid":4925,"title":4926,"component":1501,"description":4927},"062ca80d-fa43-4904-9186-58eb1d03bbdf","¿Cómo puede Spendesk complementar la gestión de nóminas?",{"type":183,"content":4928},[4929],{"type":186,"attrs":4930,"content":4931},{"textAlign":25},[4932],{"text":4933,"type":192},"Spendesk permite gestionar las solicitudes y los pagos de reembolsos de gastos de los empleados de forma independiente de la nómina. Cuando existe una integración compatible, también puede exportar la información aprobada a una herramienta de recursos humanos o de nóminas. De este modo, la empresa puede organizar los reembolsos en Spendesk y seguir gestionando la nómina en el sistema correspondiente.",{"_uid":4935,"title":4936,"component":1501,"description":4937},"7d184c9c-7a6f-4c67-9ac5-a8a4b29d0ca9","¿Cuándo conviene utilizar una tarjeta corporativa en lugar de un reembolso?",{"type":183,"content":4938},[4939],{"type":186,"attrs":4940,"content":4941},{"textAlign":25},[4942],{"text":4943,"type":192},"La tarjeta suele ser adecuada para gastos recurrentes o previsibles que la empresa quiere controlar desde el origen. El reembolso resulta más práctico para gastos puntuales que el empleado ha tenido que adelantar o para operaciones que no pueden pagarse con una tarjeta corporativa.",{"_uid":4945,"title":4946,"component":1501,"description":4947},"c4150497-d0b6-4c1e-9c94-b8b6a7978b02","¿Cómo se registra contablemente un reembolso?",{"type":183,"content":4948},[4949],{"type":186,"attrs":4950,"content":4951},{"textAlign":25},[4952],{"text":4953,"type":192},"El gasto se registra según su naturaleza y el IVA solo se trata como deducible cuando se cumplen los requisitos aplicables. Si el pago al empleado se realiza más tarde, puede reconocerse primero una cantidad pendiente de pago y cancelarse cuando se efectúe el reembolso. El asiento concreto depende del plan contable y de las circunstancias de la operación.",[4955],{"cta":4956,"_uid":4957,"title":4958,"eyebrow":4964,"subtitle":4969,"component":368,"textAlign":90,"flexibleSection":4974,"sectionSettings":4975,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"6aa0e353-2b59-4421-9822-51b842150966",{"type":183,"content":4959},[4960],{"type":368,"attrs":4961,"content":4962},{"level":370,"textAlign":25},[4963],{"text":3506,"type":192},{"type":183,"content":4965},[4966],{"type":186,"attrs":4967,"content":4968},{"textAlign":25},[],{"type":183,"content":4970},[4971],{"type":186,"attrs":4972,"content":4973},{"textAlign":25},[],[],[],"reembolso-de-gastos-a-empleados","es/blog/reembolso-de-gastos-a-empleados",-2920,[],"c75a775d-cd51-4dbd-8c07-9a2db197c3c8","2026-08-26T16:07:22.541Z",[],"blog/reembolso-de-gastos-a-empleados",[4985,4986,4987],{"path":4983,"name":25,"lang":37,"published":25},{"path":4983,"name":25,"lang":39,"published":25},{"path":4983,"name":25,"lang":32,"published":25},{"name":4989,"created_at":4990,"published_at":4991,"updated_at":4992,"id":4993,"uuid":4994,"content":4995,"slug":5114,"full_slug":5115,"sort_by_date":25,"position":5116,"tag_list":5117,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":5118,"first_published_at":5119,"release_id":25,"lang":32,"path":25,"alternates":5120,"default_full_slug":5121,"translated_slugs":5122},"Gestión de gastos multiempresa: control por entidad, visibilidad consolidada y cierre contable","2026-08-26T15:56:49.535Z","2026-09-10T12:52:57.836Z","2026-09-10T12:52:57.857Z",213279578320375,"ee5153a6-f1ef-42ae-9942-378b1568bb9a",{"_uid":4996,"title":4989,"topics":4997,"noIndex":28,"category":5006,"language":5015,"component":1430,"heroMedia":5016,"metaTitle":5017,"publishedAt":5018,"readingTime":3844,"redirectUrl":90,"listingImage":5019,"metaDescription":5026,"bottomArticleCta":5027,"componentsAfterTheArticle":5028},"84051c1c-b4a9-4440-a54d-2d97111882f7",[4998],{"name":1858,"created_at":4124,"published_at":16,"updated_at":4125,"id":4126,"uuid":4127,"content":4999,"slug":4129,"full_slug":4130,"sort_by_date":25,"position":3822,"tag_list":5000,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":4132,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":5001,"default_full_slug":4134,"translated_slugs":5002,"_stopResolving":41},{"_uid":3819,"name":1858,"component":22},[],[],[5003,5004,5005],{"path":4134,"name":25,"lang":37,"published":25},{"path":4134,"name":25,"lang":39,"published":25},{"path":4134,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":5007,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":5009,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":5010,"default_full_slug":1437,"translated_slugs":5011,"_stopResolving":41},{"_uid":1424,"icon":5008,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[5012,5013,5014],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Gestión de gastos multiempresa: control por entidad","2026-08-20 00:00",[5020],{"_uid":5021,"asset":5022,"caption":90,"component":425},"df72a749-7b55-4b0a-8e4e-c4a82d38d646",{"id":5023,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":5024,"copyright":90,"fieldtype":171,"meta_data":5025,"is_external_url":28},218542639992655,"https://a.storyblok.com/f/146026/1672x941/f42330e41d/gestion-de-gastos-multiempresa.png",{"size":3429},"Gestión de gastos multiempresa: cómo controlar el gasto por entidad, consolidar la visibilidad del grupo y preparar el cierre contable de cada filial.",[],[5029],{"_uid":5030,"items":5031,"heading":5092,"component":1738},"4688c2b9-e914-4f95-b290-55b20e3c1260",[5032,5042,5052,5062,5072,5082],{"_uid":5033,"title":5034,"component":1501,"description":5035},"1809c048-8bd9-48d9-9bc2-b67adcd3f432","¿Qué es la gestión de gastos multiempresa?",{"type":183,"content":5036},[5037],{"type":186,"attrs":5038,"content":5039},{"textAlign":25},[5040],{"text":5041,"type":192},"La gestión de gastos multiempresa consiste en controlar el gasto de varias sociedades o entidades dentro de un mismo marco operativo. Incluye la gestión de presupuestos, tarjetas, solicitudes, facturas, aprobaciones, pagos y datos contables, manteniendo separada la información de cada entidad.",{"_uid":5043,"title":5044,"component":1501,"description":5045},"06d2ac6a-88c4-43a1-a390-356d7269c166","¿Qué diferencia hay entre visibilidad consolidada y consolidación contable?",{"type":183,"content":5046},[5047],{"type":186,"attrs":5048,"content":5049},{"textAlign":25},[5050],{"text":5051,"type":192},"La visibilidad consolidada permite consultar datos operativos de varias entidades en una vista agrupada. La consolidación contable es un proceso formal que puede incluir la homogeneización de criterios, la conversión de divisas, las eliminaciones intragrupo y la formulación de cuentas consolidadas. Una vista agrupada no sustituye a este proceso.",{"_uid":5053,"title":5054,"component":1501,"description":5055},"b3c8f8cc-6850-4a08-9b89-06c464dc030c","¿Puede Spendesk gestionar varias filiales?",{"type":183,"content":5056},[5057],{"type":186,"attrs":5058,"content":5059},{"textAlign":25},[5060],{"text":5061,"type":192},"Spendesk admite organizaciones con varias entidades y ofrece herramientas para gestionar el gasto, los presupuestos, las tarjetas, las facturas y las aprobaciones por entidad. Las personas con los permisos correspondientes pueden supervisar varias entidades desde un mismo espacio. La disponibilidad y el alcance de estas funciones dependen del plan, las entidades y la configuración de la cuenta.",{"_uid":5063,"title":5064,"component":1501,"description":5065},"593fe39f-ca6e-492c-b198-41b611f37396","¿Puede Spendesk consolidar las cuentas anuales del grupo?",{"type":183,"content":5066},[5067],{"type":186,"attrs":5068,"content":5069},{"textAlign":25},[5070],{"text":5071,"type":192},"No. Spendesk puede ayudar a preparar y exportar información de gastos y pagos hacia sistemas contables compatibles, pero no debe presentarse como una herramienta de consolidación estatutaria. La eliminación de operaciones intragrupo, los ajustes de consolidación y la formulación de las cuentas anuales consolidadas deben realizarse en el ERP, en una herramienta especializada o mediante el proceso contable correspondiente.",{"_uid":5073,"title":5074,"component":1501,"description":5075},"bfed3ab2-cd75-4413-a7c9-51b05706e98c","¿Cómo se conectan los datos de Spendesk con la contabilidad?",{"type":183,"content":5076},[5077],{"type":186,"attrs":5078,"content":5079},{"textAlign":25},[5080],{"text":5081,"type":192},"Spendesk puede conectarse a determinados sistemas contables mediante integraciones nativas, exportaciones personalizadas o archivos, según la disponibilidad para cada entidad y plan. La empresa debe configurar las cuentas, los códigos de IVA, los diarios y las dimensiones analíticas que necesite, y validar el resultado en el sistema contable.",{"_uid":5083,"title":5084,"component":1501,"description":5085},"1b677fd5-cb26-4903-aa2a-5c5fc0bfe43f","¿Cómo se controlan los presupuestos de varias filiales?",{"type":183,"content":5086},[5087],{"type":186,"attrs":5088,"content":5089},{"textAlign":25},[5090],{"text":5091,"type":192},"Los presupuestos pueden organizarse por entidad, equipo, proyecto, centro de coste o categoría, según la configuración disponible. Cada responsable puede consultar el gasto utilizado, comprometido y disponible de su ámbito, mientras que la dirección financiera puede supervisar la actividad de varias entidades con los permisos adecuados.",[5093],{"cta":5094,"_uid":5095,"title":5096,"eyebrow":5102,"subtitle":5107,"component":368,"textAlign":90,"flexibleSection":5112,"sectionSettings":5113,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"59de6caa-7018-49d8-a5fa-bcab895aca69",{"type":183,"content":5097},[5098],{"type":368,"attrs":5099,"content":5100},{"level":370,"textAlign":25},[5101],{"text":3506,"type":192},{"type":183,"content":5103},[5104],{"type":186,"attrs":5105,"content":5106},{"textAlign":25},[],{"type":183,"content":5108},[5109],{"type":186,"attrs":5110,"content":5111},{"textAlign":25},[],[],[],"gestion-de-gastos-multiempresa","es/blog/gestion-de-gastos-multiempresa",-2910,[],"4436faa7-cc75-4ae1-9f30-09fa6a31841e","2026-08-26T16:07:21.435Z",[],"blog/gestion-de-gastos-multiempresa",[5123,5124,5125],{"path":5121,"name":25,"lang":37,"published":25},{"path":5121,"name":25,"lang":39,"published":25},{"path":5121,"name":25,"lang":32,"published":25},{"name":5127,"created_at":5128,"published_at":5129,"updated_at":5130,"id":5131,"uuid":5132,"content":5133,"slug":5252,"full_slug":5253,"sort_by_date":25,"position":5254,"tag_list":5255,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":5256,"first_published_at":5257,"release_id":25,"lang":32,"path":25,"alternates":5258,"default_full_slug":5259,"translated_slugs":5260},"Factura electrónica B2B obligatoria en España: RD 238/2026, plazos y obligaciones de información","2026-08-26T15:56:48.444Z","2026-09-10T13:52:23.810Z","2026-09-10T13:52:23.823Z",213279573839287,"fd5bdfbe-88a9-430c-a4c8-3fe4dc83e887",{"_uid":5134,"title":5127,"topics":5135,"noIndex":28,"category":5144,"language":5153,"component":1430,"heroMedia":5154,"metaTitle":5155,"publishedAt":5156,"readingTime":4584,"redirectUrl":90,"listingImage":5157,"metaDescription":5164,"bottomArticleCta":5165,"componentsAfterTheArticle":5166},"fef2010a-eba8-4d77-ba63-0f84b8d05d91",[5136],{"name":1842,"created_at":3814,"published_at":16,"updated_at":3815,"id":3816,"uuid":3817,"content":5137,"slug":3820,"full_slug":3821,"sort_by_date":25,"position":3822,"tag_list":5138,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":3824,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":5139,"default_full_slug":3827,"translated_slugs":5140,"_stopResolving":41},{"_uid":3819,"name":1842,"component":22},[],[],[5141,5142,5143],{"path":3827,"name":25,"lang":37,"published":25},{"path":3827,"name":25,"lang":39,"published":25},{"path":3827,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":5145,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":5147,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":5148,"default_full_slug":1437,"translated_slugs":5149,"_stopResolving":41},{"_uid":1424,"icon":5146,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[5150,5151,5152],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Factura electrónica B2B obligatoria: RD 238/2026","2026-08-18 00:00",[5158],{"_uid":5159,"asset":5160,"caption":90,"component":425},"3656e231-7cc5-4017-b6ab-7fad002b60f3",{"id":5161,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":5162,"copyright":90,"fieldtype":171,"meta_data":5163,"is_external_url":28},218557381129480,"https://a.storyblok.com/f/146026/1672x941/b256a74827/factura-electronica-b2b-obligatoria.png",{},"Descubre cuándo entra en vigor la factura electrónica B2B obligatoria en España, a quién afecta primero, qué comunicar en cuatro días y las sanciones.",[],[5167],{"_uid":5168,"items":5169,"heading":5230,"component":1738},"ed1beb78-2e64-4eec-b80b-41ff657d25ea",[5170,5180,5190,5200,5210,5220],{"_uid":5171,"title":5172,"component":1501,"description":5173},"283ede3f-09f4-4759-8973-a693d94ea973","¿Cuándo entra en vigor la factura electrónica B2B en España?",{"type":183,"content":5174},[5175],{"type":186,"attrs":5176,"content":5177},{"textAlign":25},[5178],{"text":5179,"type":192},"El Real Decreto 238/2026 entró formalmente en vigor el 20 de abril de 2026. Sin embargo, los plazos para la aplicación efectiva de las obligaciones principales empiezan a contar cuando entre en vigor la orden ministerial prevista. A partir de ese momento, se contemplan 12 meses para las empresas que hayan superado el umbral de 8 millones de euros de volumen de operaciones y 24 meses para el resto de empresas y profesionales incluidos.",{"_uid":5181,"title":5182,"component":1501,"description":5183},"4e9d6662-a73d-42f6-a917-670dd58c2996","¿Quién está obligado a utilizar la factura electrónica B2B?",{"type":183,"content":5184},[5185],{"type":186,"attrs":5186,"content":5187},{"textAlign":25},[5188],{"text":5189,"type":192},"La obligación afecta principalmente a las operaciones en las que un empresario o profesional emite una factura a otro empresario o profesional incluido en el ámbito español previsto por la normativa. La aplicación depende de la operación, la condición y la ubicación de las partes y las posibles exclusiones. Las operaciones B2C y B2G tienen reglas diferentes.",{"_uid":5191,"title":5192,"component":1501,"description":5193},"310194eb-0234-4c6b-a583-ed00c32a365e","¿Es lo mismo la factura electrónica B2B que VERI*FACTU?",{"type":183,"content":5194},[5195],{"type":186,"attrs":5196,"content":5197},{"textAlign":25},[5198],{"text":5199,"type":192},"No. La factura electrónica B2B regula el formato y el intercambio de facturas entre empresas y profesionales. VERI*FACTU forma parte del marco aplicable a los sistemas informáticos de facturación y a sus registros. Ambas obligaciones pueden afectar a una misma empresa, pero tienen objetivos y requisitos diferentes.",{"_uid":5201,"title":5202,"component":1501,"description":5203},"fc35e05b-e765-4823-9532-a282a8888215","¿Se podrá seguir enviando una factura en PDF por correo electrónico?",{"type":183,"content":5204},[5205],{"type":186,"attrs":5206,"content":5207},{"textAlign":25},[5208],{"text":5209,"type":192},"Un PDF puede seguir utilizándose en determinados contextos y periodos transitorios, pero no equivale por sí solo a una factura electrónica B2B estructurada. Cuando la obligación sea aplicable, la factura deberá cumplir los requisitos de formato e intercambio establecidos por la normativa. En algunos casos transitorios puede ser necesario enviar también una copia legible en PDF.",{"_uid":5211,"title":5212,"component":1501,"description":5213},"746ebd48-350a-4272-b985-d676e56e4b65","¿Puede Spendesk cumplir por sí sola con la factura electrónica B2B en España?",{"type":183,"content":5214},[5215],{"type":186,"attrs":5216,"content":5217},{"textAlign":25},[5218],{"text":5219,"type":192},"Spendesk puede ayudar a las empresas a preparar y organizar sus procesos internos de gestión de facturas de proveedores, desde la captura y revisión de los datos hasta la aprobación, el pago y la trazabilidad. De este modo, los equipos financieros pueden contar con un proceso más estructurado antes de coordinarlo con la solución de factura electrónica B2B correspondiente. Spendesk no sustituye por sí sola a esa solución ni cubre automáticamente todos los requisitos aplicables en España en materia de emisión, intercambio y comunicación de estados.",{"_uid":5221,"title":5222,"component":1501,"description":5223},"04c02eac-391e-4a3b-a9e3-f37f777310a2","¿Qué formatos de factura electrónica serán válidos?",{"type":183,"content":5224},[5225],{"type":186,"attrs":5226,"content":5227},{"textAlign":25},[5228],{"text":5229,"type":192},"El marco regulatorio contempla formatos estructurados compatibles con EN 16931, entre ellos CII, UBL, EDIFACT y Facturae. La plataforma utilizada debe ser capaz de trabajar con los formatos y requisitos de interoperabilidad aplicables al sistema español.",[5231],{"cta":5232,"_uid":5233,"title":5234,"eyebrow":5240,"subtitle":5245,"component":368,"textAlign":90,"flexibleSection":5250,"sectionSettings":5251,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"87703176-357e-4029-b671-6e2f33e3ba25",{"type":183,"content":5235},[5236],{"type":368,"attrs":5237,"content":5238},{"level":370,"textAlign":25},[5239],{"text":3506,"type":192},{"type":183,"content":5241},[5242],{"type":186,"attrs":5243,"content":5244},{"textAlign":25},[],{"type":183,"content":5246},[5247],{"type":186,"attrs":5248,"content":5249},{"textAlign":25},[],[],[],"factura-electronica-b2b-obligatoria","es/blog/factura-electronica-b2b-obligatoria",-2900,[],"239c3755-1891-4b1a-9bbb-7368f4bcfe70","2026-08-26T16:07:20.321Z",[],"blog/factura-electronica-b2b-obligatoria",[5261,5262,5263],{"path":5259,"name":25,"lang":37,"published":25},{"path":5259,"name":25,"lang":39,"published":25},{"path":5259,"name":25,"lang":32,"published":25},{"name":5265,"created_at":5266,"published_at":5267,"updated_at":5268,"id":5269,"uuid":5270,"content":5271,"slug":5398,"full_slug":5399,"sort_by_date":25,"position":5400,"tag_list":5401,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":5402,"first_published_at":5403,"release_id":25,"lang":32,"path":25,"alternates":5404,"default_full_slug":5405,"translated_slugs":5406},"Libro de facturas emitidas y recibidas: qué debe contener, plazos y sanciones","2026-08-26T15:56:47.353Z","2026-08-27T12:00:14.540Z","2026-08-27T12:00:14.572Z",213279569366426,"1f4e5b3d-e6c8-4e10-9f39-9e11018de9c7",{"_uid":5272,"title":5265,"topics":5273,"noIndex":28,"category":5282,"language":5291,"component":1430,"heroMedia":5292,"metaTitle":5293,"publishedAt":5294,"readingTime":3553,"redirectUrl":90,"listingImage":5295,"metaDescription":5302,"bottomArticleCta":5303,"componentsAfterTheArticle":5304},"1aa48761-92ae-4fbf-8b56-8bcb90e53a67",[5274],{"name":1842,"created_at":3814,"published_at":16,"updated_at":3815,"id":3816,"uuid":3817,"content":5275,"slug":3820,"full_slug":3821,"sort_by_date":25,"position":3822,"tag_list":5276,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":3824,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":5277,"default_full_slug":3827,"translated_slugs":5278,"_stopResolving":41},{"_uid":3819,"name":1842,"component":22},[],[],[5279,5280,5281],{"path":3827,"name":25,"lang":37,"published":25},{"path":3827,"name":25,"lang":39,"published":25},{"path":3827,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":5283,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":5285,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":5286,"default_full_slug":1437,"translated_slugs":5287,"_stopResolving":41},{"_uid":1424,"icon":5284,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[5288,5289,5290],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Libro de facturas emitidas y recibidas: qué contener","2026-08-19 00:00",[5296],{"_uid":5297,"asset":5298,"caption":90,"component":425},"00eb54dd-181c-41bb-a81a-1468f0229100",{"id":5299,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":5300,"copyright":90,"fieldtype":171,"meta_data":5301,"is_external_url":28},213575285818614,"https://a.storyblok.com/f/146026/1536x1024/04c594545c/libro-registro-facturas-emitidas-recibidas.png",{},"Libro registro de facturas recibidas: qué datos debe contener, cómo gestionarlo y qué debes revisar para mantener al día tus libros registro del IVA.",[],[5305],{"_uid":5306,"items":5307,"heading":5376,"component":1738},"260a9c76-16bd-46cb-9256-480f8dab3c20",[5308,5318,5328,5346,5356,5366],{"_uid":5309,"title":5310,"component":1501,"description":5311},"a41c4649-d687-448b-bf01-65362821de65","¿Qué consecuencias puede tener omitir un dato del libro registro?",{"type":183,"content":5312},[5313],{"type":186,"attrs":5314,"content":5315},{"textAlign":25},[5316],{"text":5317,"type":192},"Omitir o registrar de forma incorrecta una información puede dificultar la revisión contable y, según las circunstancias, dar lugar a consecuencias fiscales o sancionadoras. La valoración depende del tipo de error, del registro afectado, del régimen de la empresa y de la normativa vigente. Consulta la información de la Agencia Tributaria o a un asesor fiscal.",{"_uid":5319,"title":5320,"component":1501,"description":5321},"1e0b697d-a60b-4b3f-bd6e-b07d61a6ec99","¿Se pueden agrupar varias facturas en un asiento resumen?",{"type":183,"content":5322},[5323],{"type":186,"attrs":5324,"content":5325},{"textAlign":25},[5326],{"text":5327,"type":192},"En determinados supuestos, la normativa permite utilizar asientos resumen. Las condiciones dependen del tipo de factura, la operación, los importes y otros requisitos. No todas las facturas pueden agruparse, por lo que conviene revisar las instrucciones vigentes antes de utilizar este método.",{"_uid":5329,"title":5330,"component":1501,"description":5331},"b5737e9c-4d36-42e2-8625-6bbe8a99ae6c","¿Cuánto tiempo deben conservarse las facturas y los libros registro?",{"type":183,"content":5332},[5333],{"type":186,"attrs":5334,"content":5335},{"textAlign":25},[5336,5338,5344],{"text":5337,"type":192},"Las obligaciones de conservación pueden variar según se trate de facturas, libros contables, activos sujetos a regularización u otros documentos. No debe aplicarse un único plazo a todos los casos. La Agencia Tributaria ofrece información sobre la",{"text":5339,"type":192,"marks":5340}," conservación de facturas",[5341],{"type":267,"attrs":5342},{"href":5343,"uuid":25,"anchor":25,"target":2868,"linktype":174},"https://sede.agenciatributaria.gob.es/Sede/iva/facturacion-registro/facturacion-iva/obligacion-conservar-facturas.html",{"text":5345,"type":192}," y sobre las obligaciones contables y registrales.",{"_uid":5347,"title":5348,"component":1501,"description":5349},"e6934227-e274-46d4-97aa-3dea11c63fe1","¿Se puede utilizar Excel para llevar el libro registro?",{"type":183,"content":5350},[5351],{"type":186,"attrs":5352,"content":5353},{"textAlign":25},[5354],{"text":5355,"type":192},"La herramienta utilizada debe permitir recoger la información necesaria, mantener el orden de las anotaciones y conservar la documentación relacionada. Excel puede no ser suficiente para gestionar un volumen elevado de facturas, aprobaciones, documentos y correcciones. La empresa debe confirmar que el sistema elegido se adapta a sus obligaciones y procesos internos.",{"_uid":5357,"title":5358,"component":1501,"description":5359},"72ec2867-2ead-49c9-b68b-a5bfe1a09dd6","¿Puede Spendesk sustituir el libro registro de facturas recibidas?",{"type":183,"content":5360},[5361],{"type":186,"attrs":5362,"content":5363},{"textAlign":25},[5364],{"text":5365,"type":192},"No. Spendesk no debe presentarse como un sustituto automático del libro fiscal oficial ni como una herramienta de asesoramiento tributario. Puede ayudar a centralizar facturas de proveedores, extraer y revisar datos, gestionar aprobaciones, conservar la documentación del proceso y preparar información para su exportación al sistema contable. La empresa sigue siendo responsable de validar el registro final y el tratamiento fiscal aplicable.",{"_uid":5367,"title":5368,"component":1501,"description":5369},"ce45d85b-586d-43e8-895b-d16c57e3970f","¿Cómo se gestionan las facturas rectificativas?",{"type":183,"content":5370},[5371],{"type":186,"attrs":5372,"content":5373},{"textAlign":25},[5374],{"text":5375,"type":192},"Las facturas rectificativas deben identificarse y relacionarse con la operación original conforme a las reglas aplicables. En Spendesk, el equipo puede gestionar la documentación y el flujo de revisión, pero el tratamiento contable y fiscal debe validarse según las circunstancias de la operación.",[5377],{"cta":5378,"_uid":5379,"title":5380,"eyebrow":5386,"subtitle":5391,"component":368,"textAlign":90,"flexibleSection":5396,"sectionSettings":5397,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"37b08c3d-c162-4c57-b3b3-d6d60bdc54aa",{"type":183,"content":5381},[5382],{"type":368,"attrs":5383,"content":5384},{"level":370,"textAlign":25},[5385],{"text":3506,"type":192},{"type":183,"content":5387},[5388],{"type":186,"attrs":5389,"content":5390},{"textAlign":25},[],{"type":183,"content":5392},[5393],{"type":186,"attrs":5394,"content":5395},{"textAlign":25},[],[],[],"libro-registro-facturas-emitidas-recibidas","es/blog/libro-registro-facturas-emitidas-recibidas",-2890,[],"6362c47f-9bce-4f42-9a7d-96ca70dcc919","2026-08-26T16:07:19.051Z",[],"blog/libro-registro-facturas-emitidas-recibidas",[5407,5408,5409],{"path":5405,"name":25,"lang":37,"published":25},{"path":5405,"name":25,"lang":39,"published":25},{"path":5405,"name":25,"lang":32,"published":25},{"name":5411,"created_at":5412,"published_at":5413,"updated_at":5414,"id":5415,"uuid":5416,"content":5417,"slug":5546,"full_slug":5547,"sort_by_date":25,"position":5548,"tag_list":5549,"is_startpage":28,"parent_id":1744,"meta_data":25,"group_id":5550,"first_published_at":5551,"release_id":25,"lang":32,"path":25,"alternates":5552,"default_full_slug":5553,"translated_slugs":5554},"Facturas con retención de IRPF: cómo validarlas y pagarlas correctamente desde el equipo de finanzas","2026-08-26T15:56:46.281Z","2026-09-10T13:11:45.981Z","2026-09-10T13:11:46.002Z",213279564983671,"5c88a22e-413e-4b5a-a189-6e7f76a56680",{"_uid":5418,"title":5411,"topics":5419,"noIndex":28,"category":5428,"language":5437,"component":1430,"heroMedia":5438,"metaTitle":5439,"publishedAt":5440,"readingTime":4446,"redirectUrl":90,"listingImage":5441,"metaDescription":5448,"bottomArticleCta":5449,"componentsAfterTheArticle":5450},"2e625e42-c16d-4154-bf03-c232bc3dfa31",[5420],{"name":1842,"created_at":3814,"published_at":16,"updated_at":3815,"id":3816,"uuid":3817,"content":5421,"slug":3820,"full_slug":3821,"sort_by_date":25,"position":3822,"tag_list":5422,"is_startpage":28,"parent_id":219,"meta_data":25,"group_id":3824,"first_published_at":3825,"release_id":25,"lang":32,"path":25,"alternates":5423,"default_full_slug":3827,"translated_slugs":5424,"_stopResolving":41},{"_uid":3819,"name":1842,"component":22},[],[],[5425,5426,5427],{"path":3827,"name":25,"lang":37,"published":25},{"path":3827,"name":25,"lang":39,"published":25},{"path":3827,"name":25,"lang":32,"published":25},{"name":1418,"created_at":1419,"published_at":16,"updated_at":1420,"id":1421,"uuid":1422,"content":5429,"slug":1430,"full_slug":1431,"sort_by_date":25,"position":52,"tag_list":5431,"is_startpage":28,"parent_id":1433,"meta_data":25,"group_id":1434,"first_published_at":1435,"release_id":25,"lang":32,"path":25,"alternates":5432,"default_full_slug":1437,"translated_slugs":5433,"_stopResolving":41},{"_uid":1424,"icon":5430,"name":1418,"component":1429},{"id":1426,"alt":1427,"name":90,"focus":90,"title":90,"filename":1428,"copyright":90,"fieldtype":171,"is_external_url":28},[],[],[5434,5435,5436],{"path":1437,"name":25,"lang":37,"published":25},{"path":1437,"name":25,"lang":39,"published":25},{"path":1437,"name":25,"lang":32,"published":25},[32],[],"Facturas con retención de IRPF: validar y pagar","2026-08-13 00:00",[5442],{"_uid":5443,"asset":5444,"caption":90,"component":425},"151f7118-8129-4073-853c-cb7d6fbd7298",{"id":5445,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":5446,"copyright":90,"fieldtype":171,"meta_data":5447,"is_external_url":28},218547231535454,"https://a.storyblok.com/f/146026/1672x941/6ab7399304/facturas-con-retencion-de-irpf.png",{"size":3429},"Facturas con retención de IRPF: cómo validar el porcentaje, revisar la base y aprobar el pago desde el equipo de Finanzas.",[],[5451],{"_uid":5452,"items":5453,"heading":5524,"component":1738},"5825f6bb-0a60-427b-9780-9a3436456e50",[5454,5464,5474,5484,5494,5504,5514],{"_uid":5455,"title":5456,"component":1501,"description":5457},"2c41ac83-8d9c-40c0-a007-34f8d9bd94ad","¿Todas las facturas de profesionales llevan retención de IRPF?",{"type":183,"content":5458},[5459],{"type":186,"attrs":5460,"content":5461},{"textAlign":25},[5462],{"text":5463,"type":192},"No. La obligación depende del pagador, del tipo de ingreso, de la actividad del proveedor y de las circunstancias de la operación. Que el proveedor sea autónomo o que la factura corresponda a un servicio profesional no basta para aplicar automáticamente una retención.",{"_uid":5465,"title":5466,"component":1501,"description":5467},"bd580b26-df21-4199-85a9-dc77a8fb5bf3","¿Cómo se calcula la retención de IRPF en una factura?",{"type":183,"content":5468},[5469],{"type":186,"attrs":5470,"content":5471},{"textAlign":25},[5472],{"text":5473,"type":192},"Como orientación general, se aplica el porcentaje correspondiente sobre la remuneración o base sujeta a retención. En una factura profesional ordinaria, suele tomarse como referencia la base antes del IVA. Los suplidos, gastos repercutidos, descuentos y otros conceptos pueden requerir un tratamiento diferente.",{"_uid":5475,"title":5476,"component":1501,"description":5477},"b4e975a6-fdda-4f6b-b4c6-be4e5deab215","¿Qué hago si una factura profesional llega sin retención?",{"type":183,"content":5478},[5479],{"type":186,"attrs":5480,"content":5481},{"textAlign":25},[5482],{"text":5483,"type":192},"No la pagues automáticamente. Comprueba si la operación está sujeta, revisa la situación del proveedor y consulta con la asesoría o la persona responsable de impuestos. Puede ser necesario solicitar una corrección, documentar el porcentaje aplicable o ajustar el proceso de pago y registro.",{"_uid":5485,"title":5486,"component":1501,"description":5487},"e0cbee5b-47c5-4e93-b587-4ea85f994655","¿Quién ingresa la retención en Hacienda?",{"type":183,"content":5488},[5489],{"type":186,"attrs":5490,"content":5491},{"textAlign":25},[5492],{"text":5493,"type":192},"Cuando la empresa está obligada a retener, el pagador debe cumplir las obligaciones de ingreso y declaración correspondientes. La gestión puede incluir declaraciones periódicas y resúmenes anuales. El proveedor recibe un certificado con la información necesaria para su declaración.",{"_uid":5495,"title":5496,"component":1501,"description":5497},"f0a0ff0f-d530-46cd-ae89-0e336e025935","¿Cómo ayuda Spendesk a gestionar facturas con retención de IRPF?",{"type":183,"content":5498},[5499],{"type":186,"attrs":5500,"content":5501},{"textAlign":25},[5502],{"text":5503,"type":192},"Spendesk ayuda a centralizar las facturas de proveedores, extraer determinados datos mediante OCR, revisar y editar la información, gestionar los flujos de aprobación, programar los pagos y exportar la información al sistema contable, en función de la integración disponible. Esto permite al equipo financiero mantener el proceso organizado y trazable, al tiempo que valida por separado si la factura está sujeta a retención, qué porcentaje resulta aplicable y cuál es el tratamiento fiscal correspondiente.",{"_uid":5505,"title":5506,"component":1501,"description":5507},"c80b46e8-fbde-42dc-843b-2ddbe60c6342","¿Puede Spendesk calcular automáticamente la retención de IRPF?",{"type":183,"content":5508},[5509],{"type":186,"attrs":5510,"content":5511},{"textAlign":25},[5512],{"text":5513,"type":192},"No debe presentarse Spendesk como una herramienta que calcula, valida o aplica automáticamente las retenciones de IRPF en España. Spendesk puede ayudar a centralizar facturas, extraer datos estándar, gestionar aprobaciones, programar pagos y exportar información contable. El equipo financiero debe validar el tratamiento fiscal mediante sus procedimientos y sistemas correspondientes.",{"_uid":5515,"title":5516,"component":1501,"description":5517},"cc10cb16-b28a-4f80-83d4-5f04e2201f09","¿Cómo se registra una factura con retención?",{"type":183,"content":5518},[5519],{"type":186,"attrs":5520,"content":5521},{"textAlign":25},[5522],{"text":5523,"type":192},"El registro debe distinguir el gasto, el IVA que pueda ser deducible, el importe neto que se paga al proveedor y la retención pendiente de ingreso. Las cuentas y el asiento dependen del plan contable y del ERP de la empresa, por lo que deben confirmarse con el equipo contable o la asesoría.",[5525],{"cta":5526,"_uid":5527,"title":5528,"eyebrow":5534,"subtitle":5539,"component":368,"textAlign":90,"flexibleSection":5544,"sectionSettings":5545,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"360fcad8-3e5d-4055-8ca7-dafd01d0167c",{"type":183,"content":5529},[5530],{"type":368,"attrs":5531,"content":5532},{"level":370,"textAlign":25},[5533],{"text":3506,"type":192},{"type":183,"content":5535},[5536],{"type":186,"attrs":5537,"content":5538},{"textAlign":25},[],{"type":183,"content":5540},[5541],{"type":186,"attrs":5542,"content":5543},{"textAlign":25},[],[],[],"facturas-con-retencion-de-irpf","es/blog/facturas-con-retencion-de-irpf",-2880,[],"a9350e98-5a01-42e3-938d-5dc2a4cbbd74","2026-08-26T16:07:17.923Z",[],"blog/facturas-con-retencion-de-irpf",[5555,5556,5557],{"path":5553,"name":25,"lang":37,"published":25},{"path":5553,"name":25,"lang":39,"published":25},{"path":5553,"name":25,"lang":32,"published":25},[5559,5560,5561,5562],["Reactive",3963],["Reactive",5126],["Reactive",4988],["Reactive",4270],1789056411425]