[{"data":1,"prerenderedAt":4228},["ShallowReactive",2],{"es-blog/objetivos-financieros":3,"es-global-content":730,"es-article-global-content":2110,"es-blog-article-more-articles-0d21d83f-545d-4f60-acc8-ab3b9c5b94e6":2362,"es-blog-article-more-articles-305568893":4223},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":717,"full_slug":718,"sort_by_date":46,"position":719,"tag_list":720,"is_startpage":29,"parent_id":721,"meta_data":46,"group_id":722,"first_published_at":723,"release_id":46,"lang":59,"path":46,"alternates":724,"default_full_slug":725,"translated_slugs":726},"Los objetivos financieros clave para empresas inteligentes","2023-05-10T13:02:50.936Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:55.984Z",305568893,"e5cf3832-9186-4806-afc0-64b0b340fc1e",{"_uid":11,"roles":12,"title":4,"author":13,"topics":69,"content":92,"category":603,"language":629,"component":616,"heroMedia":630,"sidebarCta":639,"publishedAt":640,"readingTime":641,"redirectUrl":23,"listingImage":642,"metaDescription":648,"componentsAfterTheArticle":649},"efd5225d-17d5-44fa-9f72-e22443151b89",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":52,"full_slug":53,"sort_by_date":46,"position":54,"tag_list":55,"is_startpage":29,"parent_id":56,"meta_data":46,"group_id":57,"first_published_at":58,"release_id":46,"lang":59,"path":46,"alternates":60,"default_full_slug":61,"translated_slugs":62,"_stopResolving":68},"Spendesk","2022-10-19T17:36:24.519Z","2026-03-12T10:47:20.246Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"_uid":20,"name":14,"links":21,"picture":36,"lastName":38,"component":39,"firstName":14,"description":40},"89813b57-3ec3-4169-890b-393e41c6d7ea",[22],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","792703e5-f28a-4cbb-882c-a50a48656953",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":37,"name":23,"focus":23,"title":23,"filename":37,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":41,"content":42},"doc",[43],{"type":44,"attrs":45,"content":48},"paragraph",{"textAlign":46,"key":47},null,"p-0",[49],{"text":50,"type":51},"Spendesk tiene un objetivo: eliminar las molestias de gastar en el trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z","es",[],"blog/author/spendesk",[63,65,67],{"path":61,"name":46,"lang":64,"published":46},"fr",{"path":61,"name":46,"lang":66,"published":46},"de",{"path":61,"name":46,"lang":59,"published":46},true,[70],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":76,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":82,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":86,"default_full_slug":87,"translated_slugs":88,"_stopResolving":68},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":77,"name":71,"component":78},"a2c58a16-f495-475f-951f-05171468aae4","tag","equipos-financieros","es/blog/topic/equipos-financieros",-530,[],176456153,"37251365-a886-4869-8f3b-1976331cbcf4","2022-11-02T15:24:39.815Z",[],"blog/topic/equipos-financieros",[89,90,91],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"type":41,"content":93},[94,103,110,117,136,145,155,162,169,177,195,202,243,251,258,265,272,279,286,294,301,308,315,322,329,336,344,351,358,365,372,380,387,394,403,410,417,424,432,439,446,473,500,507,516,523,550,557,584,591,598],{"type":44,"content":95},[96],{"text":97,"type":51,"marks":98},"Los equipos de finanzas comienzan cada año cerrando el anterior. El proceso de cierre es complicado y, a menudo, tedioso. Y una vez que está listo, hay que ponerse a planificar el siguiente año: otro gran proyecto entre manos.",[99],{"type":100,"attrs":101},"textStyle",{"color":102},"rgb(0, 0, 0)",{"type":44,"content":104},[105],{"text":106,"type":51,"marks":107},"Apenas has tenido tiempo para pensar, mucho menos para establecer objetivos.",[108],{"type":100,"attrs":109},{"color":102},{"type":44,"content":111},[112],{"text":113,"type":51,"marks":114},"Pues es hora de ponerse algunas metas. Hemos hablado con innumerables equipos financieros y CFO que están cambiando la forma en la que gestionan los negocios. Y, por supuesto, queríamos saber qué objetivos tienen ahora.",[115],{"type":100,"attrs":116},{"color":102},{"type":44,"content":118},[119,124,131],{"text":120,"type":51,"marks":121},"Estos son los ",[122],{"type":100,"attrs":123},{"color":102},{"text":125,"type":51,"marks":126},"5 objetivos prioritarios de los equipos de finanzas que quieren trabajar de forma más inteligente y eficiente",[127,129],{"type":128},"bold",{"type":100,"attrs":130},{"color":102},{"text":132,"type":51,"marks":133},".",[134],{"type":100,"attrs":135},{"color":102},{"type":137,"attrs":138},"blok",{"id":139,"body":140},"d1016afc-3ef7-45b5-99d8-b5497e6b8760",[141],{"_uid":142,"html":143,"component":144},"i-bfd68a7a-b290-40ed-994d-69e656701f27","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-c964f302-2ac1-498f-9d70-d18c4caad6a8\">\u003Cspan class=\"hs-cta-node hs-cta-c964f302-2ac1-498f-9d70-d18c4caad6a8\" id=\"hs-cta-c964f302-2ac1-498f-9d70-d18c4caad6a8\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/c964f302-2ac1-498f-9d70-d18c4caad6a8\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-c964f302-2ac1-498f-9d70-d18c4caad6a8\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/c964f302-2ac1-498f-9d70-d18c4caad6a8.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'c964f302-2ac1-498f-9d70-d18c4caad6a8', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":146,"attrs":147,"content":149},"heading",{"level":148},2,[150],{"text":151,"type":51,"marks":152},"Primer objetivo: Moderar el riesgo financiero",[153],{"type":100,"attrs":154},{"color":102},{"type":44,"content":156},[157],{"text":158,"type":51,"marks":159},"Para los expertos en finanzas de muchas empresas, este es el objetivo número 1. Y es tu responsabilidad de que se realice un gasto responsable por parte de todos, que los miembros de tu equipo cooperen y mantener segura a la empresa.",[160],{"type":100,"attrs":161},{"color":102},{"type":44,"content":163},[164],{"text":165,"type":51,"marks":166},"Todo esto no ocurre por arte de magia. Necesitas seguir estos dos consejos:",[167],{"type":100,"attrs":168},{"color":102},{"type":44,"content":170},[171],{"text":172,"type":51,"marks":173},"Crear procesos fáciles de seguir",[174,175],{"type":128},{"type":100,"attrs":176},{"color":102},{"type":44,"content":178},[179,184,190],{"text":180,"type":51,"marks":181},"¿Te has dado cuenta alguna vez de que otros departamentos de la empresa no tienen el mismo cuidado con el dinero de la empresa que tú? No es porque les dé igual. ",[182],{"type":100,"attrs":183},{"color":102},{"text":185,"type":51,"marks":186},"Simplemente, no conocen los procedimientos adecuados",[187,188],{"type":128},{"type":100,"attrs":189},{"color":102},{"text":191,"type":51,"marks":192}," y les resulta complicado encontrar la información que necesitan.",[193],{"type":100,"attrs":194},{"color":102},{"type":44,"content":196},[197],{"text":198,"type":51,"marks":199},"Desde el departamento de finanzas se prefieren reglas bien definidas, mientras que el resto de empleados quiere mayor facilidad al cumplir con sus labores.",[200],{"type":100,"attrs":201},{"color":102},{"type":44,"content":203},[204,209,227,232,238],{"text":205,"type":51,"marks":206},"Por eso es bueno crear procesos de gastos que sean con sentido, simples y que se ajusten a la política de la empresa de forma sistemática. Las herramientas de ",[207],{"type":100,"attrs":208},{"color":102},{"text":210,"type":51,"marks":211},"gestión de gastos",[212,225],{"type":213,"attrs":214},"link",{"href":215,"uuid":216,"anchor":46,"target":217,"linktype":218,"story":219},"/blog/gestion-de-gastos","42c0dbd0-9303-4e28-b598-a4f52cd70865","_self","story",{"name":220,"id":221,"uuid":216,"slug":222,"url":223,"full_slug":224,"_stopResolving":68}," Todo lo que debes saber para gestionar mejor los gastos de empresa",290893276,"gestion-de-gastos","blog/gestion-de-gastos","es/blog/gestion-de-gastos",{"type":100,"attrs":226},{"color":102},{"text":228,"type":51,"marks":229}," son así. Cuando un miembro del equipo necesita gastar, inicia sesión en la plataforma y sigue los pasos. Tú creas la política de gastos, los límites y las aprobaciones en el sistema, por lo que otros ",[230],{"type":100,"attrs":231},{"color":102},{"text":233,"type":51,"marks":234},"ni siquiera necesitan conocer las reglas",[235,236],{"type":128},{"type":100,"attrs":237},{"color":102},{"text":239,"type":51,"marks":240},". La plataforma hace el trabajo por ti.",[241],{"type":100,"attrs":242},{"color":102},{"type":44,"content":244},[245],{"text":246,"type":51,"marks":247},"Añadir las aprobaciones del equipo directivo en los programas de finanzas",[248,249],{"type":128},{"type":100,"attrs":250},{"color":102},{"type":44,"content":252},[253],{"text":254,"type":51,"marks":255},"Hay empleados que tienen la autorización para gastar en nombre de la empresa, ya sea comprando por internet o fuera de la oficina. En estos casos, ¿verdad que sería una gran ventaja tener la posibilidad de aprobar sus gastos?",[256],{"type":100,"attrs":257},{"color":102},{"type":44,"content":259},[260],{"text":261,"type":51,"marks":262},"Pero, como sabrás, normalmente no es así. No es tan fácil controlar los gastos con anticipación.",[263],{"type":100,"attrs":264},{"color":102},{"type":44,"content":266},[267],{"text":268,"type":51,"marks":269},"Los métodos de pago convencionales (tarjetas de crédito y declarar los gastos a posteriori) no están pensados para crear aprobaciones de gasto. Una vez que un empleado tiene la tarjeta en sus manos, tú confías que va a ser honesto y que va a seguir los valores de la empresa manteniendo el gasto bajo control. Para los gastos igual: debes esperar a que sigan las reglas establecidas, pero solo lo comprobarás a fin de mes.",[270],{"type":100,"attrs":271},{"color":102},{"type":44,"content":273},[274],{"text":275,"type":51,"marks":276},"Así que por eso te recomendamos utilizar herramientas de finanzas, sobre todo para los métodos de gasto empresarial, y que tengan las aprobaciones integradas. Además, una buena herramienta te permite retener fondos de las tarjetas de tus empleados, hasta que un gerente dé luz verde. De esta forma se pueden mantener los presupuestos bien controlados.",[277],{"type":100,"attrs":278},{"color":102},{"type":44,"content":280},[281],{"text":282,"type":51,"marks":283},"Y todo esto no tiene por qué quitar libertad a tus empleados.",[284],{"type":100,"attrs":285},{"color":102},{"type":146,"attrs":287,"content":288},{"level":148},[289],{"text":290,"type":51,"marks":291},"Segundo objetivo: Reducir los desacuerdos sobre el dinero que gasta el personal",[292],{"type":100,"attrs":293},{"color":102},{"type":44,"content":295},[296],{"text":297,"type":51,"marks":298},"Lo contrario del control es la libertad. En el mundo de los negocios sucede lo mismo. Cuanto más se controlen los gastos, mayores serán los obstáculos que tendrán los trabajadores para gastar el dinero de la empresa.",[299],{"type":100,"attrs":300},{"color":102},{"type":44,"content":302},[303],{"text":304,"type":51,"marks":305},"Esto se hace evidente al ver cómo algunas corporaciones protegen la tarjeta de la empresa. Si alguien necesita pagar por internet, por ejemplo, para contratar una nueva suscripción a un programa informático, tendrá que ir personalmente al departamento financiero o al director ejecutivo para conseguir la tarjeta. Haciéndolo así, el dueño de la tarjeta puede asegurarse de que el gasto sea aprobado.",[306],{"type":100,"attrs":307},{"color":102},{"type":44,"content":309},[310],{"text":311,"type":51,"marks":312},"Pero ¿y si el titular de la tarjeta no está en la oficina? ¿O si está tan ocupado que ni se molesta en averiguar qué uso se le dará al dinero? ¿Y qué pasa si el empleado que necesita la tarjeta está fuera de la oficina? ",[313],{"type":100,"attrs":314},{"color":102},{"type":44,"content":316},[317],{"text":318,"type":51,"marks":319},"Todo este proceso de aprobación de gastos tan manual ralentiza el trabajo del personal. ",[320],{"type":100,"attrs":321},{"color":102},{"type":44,"content":323},[324],{"text":325,"type":51,"marks":326},"Los empleados quieren tener autonomía y que confíen en ellos. Y cuando se sienten libres para tomar decisiones sobre cuándo usar la tarjeta, hacer un mejor trabajo. Pero, obviamente, no se puede dar a todo el mundo acceso completo a la cuenta bancaria ni a las tarjetas de crédito de la empresa.",[327],{"type":100,"attrs":328},{"color":102},{"type":44,"content":330},[331],{"text":332,"type":51,"marks":333},"Se necesita una forma de permitir que los empleados puedan hacer compras sin contratiempos, pero con la capacidad de poder establecer límites e incluso detener transacciones no deseadas. ",[334],{"type":100,"attrs":335},{"color":102},{"type":146,"attrs":337,"content":338},{"level":148},[339],{"text":340,"type":51,"marks":341},"Tercer objetivo: Tener mayor visibilidad de los gastos de los empleados",[342],{"type":100,"attrs":343},{"color":102},{"type":44,"content":345},[346],{"text":347,"type":51,"marks":348},"Lo cierto es que este objetivo es muy importante para los equipos financieros: para que se mantengan al día y no se asusten al ver solo gastos a fin de mes.",[349],{"type":100,"attrs":350},{"color":102},{"type":44,"content":352},[353],{"text":354,"type":51,"marks":355},"¿Tienes un método para saber a tiempo completo cuánto dinero gasta cada equipo?",[356],{"type":100,"attrs":357},{"color":102},{"type":44,"content":359},[360],{"text":361,"type":51,"marks":362},"La respuesta suele ser “no”. Y, como mucho, “más o menos”. Pero en ocasiones, cuando finalmente sabes lo que han gastado los equipos comerciales, ya es demasiado tarde para tomar acción.",[363],{"type":100,"attrs":364},{"color":102},{"type":44,"content":366},[367],{"text":368,"type":51,"marks":369},"El trabajo del departamento de finanzas es vital para que un negocio sea rentable. Deben saber si los gastos están dentro del presupuesto, y monitorizar los gastos de la empresa en todo momento.",[370],{"type":100,"attrs":371},{"color":102},{"type":146,"attrs":373,"content":374},{"level":148},[375],{"text":376,"type":51,"marks":377},"Cuarto objetivo: Ahorrar tiempo y recopilar datos financieros precisos",[378],{"type":100,"attrs":379},{"color":102},{"type":44,"content":381},[382],{"text":383,"type":51,"marks":384},"Sería estupendo no tener que introducir los mismos datos vez tras vez al usar una herramienta de finanzas. Y también, poder registrarlos con mayor precisión, sin tener que verificarlos tantas veces. ",[385],{"type":100,"attrs":386},{"color":102},{"type":44,"content":388},[389],{"text":390,"type":51,"marks":391},"Para ello, te hace falta la automatización, como por ejemplo:",[392],{"type":100,"attrs":393},{"color":102},{"type":146,"attrs":395,"content":397},{"level":396},3,[398],{"text":399,"type":51,"marks":400},"Reclamaciones de gastos",[401],{"type":100,"attrs":402},{"color":102},{"type":44,"content":404},[405],{"text":406,"type":51,"marks":407},"No somos fanáticos de los informes de gastos. Pero si los usas, es mejor simplificarlos. En vez de que tus empleados tengan que rellenar un Excel, enviarlo a su gerente para comprobarlo y luego enviarlo a Finanzas (quien tiene que introducir manualmente todos los detalles), ¿verdad que digitalizarlo todo haría la vida más fácil?",[408],{"type":100,"attrs":409},{"color":102},{"type":44,"content":411},[412],{"text":413,"type":51,"marks":414},"Herramientas de última generación, como Spendesk, permiten al usuario registrar su petición de gasto directamente en el sistema. Esto incluye el motivo del gasto, el jefe que lo aprueba e incluso la factura.",[415],{"type":100,"attrs":416},{"color":102},{"type":44,"content":418},[419],{"text":420,"type":51,"marks":421},"Los que trabajan en el departamento financiero simplemente exportan esos datos a sus programas de contabilidad, sin tener que meter datos de forma manual. Esto permite ahorrar hasta 5 días de trabajo al mes y cobrar el 95 % de los recibos a tiempo.",[422],{"type":100,"attrs":423},{"color":102},{"type":146,"attrs":425,"content":426},{"level":396},[427],{"text":428,"type":51,"marks":429},"Cierre de fin de mes",[430],{"type":100,"attrs":431},{"color":102},{"type":44,"content":433},[434],{"text":435,"type":51,"marks":436},"El final de cada mes es un momento completo para los equipos de finanzas. Deben recoger los datos de sitios diferentes, conciliarlos con las cuentas bancarias y asegurarse de que los libros contables estén correctos. Y eso cada mes.",[437],{"type":100,"attrs":438},{"color":102},{"type":44,"content":440},[441],{"text":442,"type":51,"marks":443},"El problema aquí es almacenar los datos en diferentes lugares. También es importante tener los documentos importantes accesibles, como las declaraciones de impuestos que deben digitalizarse y luego comparar con los pagos en el libro mayor.",[444],{"type":100,"attrs":445},{"color":102},{"type":44,"content":447},[448,453,468],{"text":449,"type":51,"marks":450},"Ahí es donde entra la automatización. Si los gastos se digitalizan desde el principio, ya nadie más debería enviar en papel las anotaciones de gastos, ",[451],{"type":100,"attrs":452},{"color":102},{"text":454,"type":51,"marks":455},"los recibos",[456,466],{"type":213,"attrs":457},{"href":458,"uuid":459,"anchor":46,"target":217,"linktype":218,"story":460},"/blog/gestion-de-recibos","03e9a2cb-b18c-4d3c-a308-b65c4e3026e5",{"name":461,"id":462,"uuid":459,"slug":463,"url":464,"full_slug":465,"_stopResolving":68},"Domina la gestión de recibos de tu empresa",384227838,"gestion-de-recibos","blog/gestion-de-recibos","es/blog/gestion-de-recibos",{"type":100,"attrs":467},{"color":102},{"text":469,"type":51,"marks":470}," y los estados de tarjetas de crédito.",[471],{"type":100,"attrs":472},{"color":102},{"type":44,"content":474},[475,480,495],{"text":476,"type":51,"marks":477},"Pero herramientas como Spendesk pueden ir más allá. Gracias a la tecnología OCR, Spendesk lee ",[478],{"type":100,"attrs":479},{"color":102},{"text":481,"type":51,"marks":482},"las facturas",[483,493],{"type":213,"attrs":484},{"href":485,"uuid":486,"anchor":46,"target":217,"linktype":218,"story":487},"/blog/factura-electronica","903d042a-e280-47b4-bcb7-ddfa25dec35c",{"name":488,"id":489,"uuid":486,"slug":490,"url":491,"full_slug":492,"_stopResolving":68},"5 medidas básicas para adaptar tu contabilidad a la factura electrónica",295089078,"factura-electronica","blog/factura-electronica","es/blog/factura-electronica",{"type":100,"attrs":494},{"color":102},{"text":496,"type":51,"marks":497}," al instante y podrás confirmar que coinciden con las notas de gastos o las tarjetas. ",[498],{"type":100,"attrs":499},{"color":102},{"type":44,"content":501},[502],{"text":503,"type":51,"marks":504},"Sin duda, la automatización te ayudará a tener una contabilidad mucho más precisa y al día.",[505],{"type":100,"attrs":506},{"color":102},{"type":146,"attrs":508,"content":509},{"level":148},[510],{"text":511,"type":51,"marks":512},"Quinto objetivo: Tener sistemas financieros homogéneos",[513,514],{"type":128},{"type":100,"attrs":515},{"color":102},{"type":44,"content":517},[518],{"text":519,"type":51,"marks":520},"Si cada proceso en la empresa funciona de manera diferente, todos deben aprender cada proceso. Y, como ya vimos, si los procesos confunden a la gente, terminarán olvidándose. Así que intenta implementar sistemas que funcionen igual para conseguir diversos resultados.",[521],{"type":100,"attrs":522},{"color":102},{"type":44,"content":524},[525,530,545],{"text":526,"type":51,"marks":527},"Hablemos sobre los gastos de tu empresa. Puede que tengas un proceso para los pagos de suscripciones en línea (tarjetas de empresa compartidas), otro proceso para compras fuera de la oficina (hojas de gasto) y otro más para enviar ",[528],{"type":100,"attrs":529},{"color":102},{"text":531,"type":51,"marks":532},"facturas a proveedores",[533,543],{"type":213,"attrs":534},{"href":535,"uuid":536,"anchor":46,"target":217,"linktype":218,"story":537},"/blog/facturas-proveedores","875471c4-66aa-431b-8ad6-3a683c60ff9d",{"name":538,"id":539,"uuid":536,"slug":540,"url":541,"full_slug":542,"_stopResolving":68},"Proceso de tramitación de facturas de proveedores: ¡hazlo más eficaz!",300720534,"facturas-proveedores","blog/facturas-proveedores","es/blog/facturas-proveedores",{"type":100,"attrs":544},{"color":102},{"text":546,"type":51,"marks":547}," (por correo electrónico).",[548],{"type":100,"attrs":549},{"color":102},{"type":44,"content":551},[552],{"text":553,"type":51,"marks":554},"Y se complica más si tienes procesos diferentes para las distintas oficinas en diversos países. Imagina si en cada sitio hacen las cosas a su manera…",[555],{"type":100,"attrs":556},{"color":102},{"type":44,"content":558},[559,564,579],{"text":560,"type":51,"marks":561},"Es por eso que te recomendamos que registres todos tus gastos operativos en una plataforma de gestión de gastos como Spendesk. 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Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":2240,"content":2248},[2249],{"type":44,"attrs":2250,"content":2251},{"textAlign":46},[2252],{"text":2253,"type":51},"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":2240,"content":2255},[2256],{"type":44,"attrs":2257,"content":2258},{"textAlign":46},[2259],{"text":2260,"type":51},"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":44,"attrs":2262,"content":2263},{"textAlign":46},[2264],{"text":2265,"type":51},"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":44,"attrs":2267,"content":2268},{"textAlign":46},[2269],{"text":2270,"type":51},"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":44,"attrs":2272,"content":2273},{"textAlign":46},[2274],{"text":2275,"type":51},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":44,"attrs":2277,"content":2278},{"textAlign":46},[2279],{"text":2280,"type":51},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2282,"title":2283,"component":656,"description":2284},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":41,"content":2285},[2286,2291,2303,2308,2318,2323,2328,2333],{"type":44,"attrs":2287,"content":2288},{"textAlign":46},[2289],{"text":2290,"type":51},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":44,"attrs":2309,"content":2310},{"textAlign":46},[2311,2315,2316],{"text":2312,"type":51,"marks":2313},"Para los equipos financieros",[2314],{"type":128},{"type":2143},{"text":2317,"type":51},"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":44,"attrs":2319,"content":2320},{"textAlign":46},[2321],{"text":2322,"type":51},"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":44,"attrs":2324,"content":2325},{"textAlign":46},[2326],{"text":2327,"type":51},"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":44,"attrs":2329,"content":2330},{"textAlign":46},[2331],{"text":2332,"type":51},"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":44,"attrs":2334,"content":2335},{"textAlign":46},[2336],{"text":2337,"type":51},"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.",[2339],{"cta":2340,"_uid":2341,"title":2342,"eyebrow":2349,"subtitle":2352,"component":146,"textAlign":23,"sectionSettings":2358,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":41,"content":2343},[2344],{"type":146,"attrs":2345,"content":2346},{"level":148},[2347],{"text":2348,"type":51},"Empezar con Spendesk",{"type":41,"content":2350},[2351],{"type":44},{"type":41,"content":2353},[2354],{"type":44,"content":2355},[2356],{"text":2357,"type":51},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2363,2503,2633,2762,2906,3059,3196,3372,3510,3644,3758,3843,3920,4040,4096],{"name":2364,"created_at":2365,"published_at":2366,"updated_at":2367,"id":2368,"uuid":2369,"content":2370,"slug":2491,"full_slug":2492,"sort_by_date":46,"position":2493,"tag_list":2494,"is_startpage":29,"parent_id":721,"meta_data":46,"group_id":2495,"first_published_at":2496,"release_id":46,"lang":59,"path":46,"alternates":2497,"default_full_slug":2498,"translated_slugs":2499},"Homologación y portales de proveedores: evaluar, dar de alta y gobernar","2026-08-26T15:56:43.000Z","2026-08-27T11:22:49.938Z","2026-08-27T11:22:49.965Z",213279551544644,"df2fe6b5-9582-43a1-9457-a1491afec76a",{"_uid":2371,"title":2364,"topics":2372,"noIndex":29,"category":2381,"language":2390,"component":616,"heroMedia":2391,"metaTitle":2392,"publishedAt":2393,"readingTime":2394,"redirectUrl":23,"listingImage":2395,"metaDescription":2402,"bottomArticleCta":2403,"componentsAfterTheArticle":2404},"a6908dcc-aa94-4298-8df2-3a036e19fee3",[2373],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":2374,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":2375,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":2376,"default_full_slug":87,"translated_slugs":2377,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[2378,2379,2380],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":604,"created_at":605,"published_at":6,"updated_at":606,"id":607,"uuid":608,"content":2382,"slug":616,"full_slug":617,"sort_by_date":46,"position":618,"tag_list":2384,"is_startpage":29,"parent_id":620,"meta_data":46,"group_id":621,"first_published_at":622,"release_id":46,"lang":59,"path":46,"alternates":2385,"default_full_slug":624,"translated_slugs":2386,"_stopResolving":68},{"_uid":610,"icon":2383,"name":604,"component":615},{"id":612,"alt":613,"name":23,"focus":23,"title":23,"filename":614,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[2387,2388,2389],{"path":624,"name":46,"lang":64,"published":46},{"path":624,"name":46,"lang":66,"published":46},{"path":624,"name":46,"lang":59,"published":46},[59],[],"Homologación y portales de proveedores: guía práctica","2026-08-18 00:00","18",[2396],{"_uid":2397,"asset":2398,"caption":23,"component":638},"4696bec5-e373-4bf7-a572-57bee0d1290f",{"id":2399,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2400,"copyright":23,"fieldtype":28,"meta_data":2401,"is_external_url":29},213566053326877,"https://a.storyblok.com/f/146026/1536x1024/e3536a22fa/homologacion-portales-de-proveedores.png",{},"Homologación de proveedores: aprende a evaluarlos, darlos de alta y gestionarlos, además de elegir un portal de proveedores o migrar a uno de forma segura.",[],[2405],{"_uid":2406,"items":2407,"heading":2468,"component":708},"03761e7c-8a3d-4a4b-9eea-d012fc737faf",[2408,2418,2428,2438,2448,2458],{"_uid":2409,"title":2410,"component":656,"description":2411},"bf064850-af57-4614-b489-93360c87829d","¿Qué diferencia hay entre homologación y precalificación de proveedores?",{"type":41,"content":2412},[2413],{"type":44,"attrs":2414,"content":2415},{"textAlign":46},[2416],{"text":2417,"type":51},"La precalificación filtra candidatos que no cumplen requisitos mínimos. La homologación valida con mayor profundidad la solvencia, el cumplimiento, la capacidad y los criterios de riesgo antes de formalizar la relación.",{"_uid":2419,"title":2420,"component":656,"description":2421},"cf378fd2-4480-4154-a37a-265621902672","¿Con qué frecuencia hay que reevaluar a un proveedor?",{"type":41,"content":2422},[2423],{"type":44,"attrs":2424,"content":2425},{"textAlign":46},[2426],{"text":2427,"type":51},"Depende del riesgo, el volumen de gasto, la criticidad, la actividad, el contrato y la política interna. Los proveedores críticos pueden requerir una revisión anual o más frecuente, mientras que los de bajo riesgo pueden revisarse con una periodicidad más amplia. No existe una frecuencia universal aplicable a todos los proveedores.",{"_uid":2429,"title":2430,"component":656,"description":2431},"7f1e9200-5183-44a0-98bb-a1fd89492a3d","¿Qué KPI sirven para medir a un proveedor?",{"type":41,"content":2432},[2433],{"type":44,"attrs":2434,"content":2435},{"textAlign":46},[2436],{"text":2437,"type":51},"El plazo de entrega medio, la tasa de incidencias o devoluciones, el cumplimiento de las condiciones pactadas y el tiempo de respuesta ante reclamaciones son indicadores habituales. Cada KPI debe tener una definición, un propietario, un período de medición y un umbral de acción.",{"_uid":2439,"title":2440,"component":656,"description":2441},"b8321628-96f7-4f3e-a01e-d93dec724c28","¿Cuánto puede tardar dar de alta a un proveedor y cómo acortarlo?",{"type":41,"content":2442},[2443],{"type":44,"attrs":2444,"content":2445},{"textAlign":46},[2446],{"text":2447,"type":51},"El plazo depende de la documentación, el nivel de riesgo, la complejidad de la aprobación, las integraciones y la disponibilidad del proveedor. En un caso sencillo y bien preparado, la empresa puede fijar un objetivo interno de pocos días, pero no debe presentarlo como una garantía general. Centralizar la documentación, automatizar recordatorios y definir los responsables puede ayudar a reducir el tiempo de alta.",{"_uid":2449,"title":2450,"component":656,"description":2451},"bbd9f873-37d2-47f3-98f8-1d611be753d4","¿Cómo puede Spendesk ayudar a mejorar el control de costes?",{"type":41,"content":2452},[2453],{"type":44,"attrs":2454,"content":2455},{"textAlign":46},[2456],{"text":2457,"type":51},"Spendesk ayuda a centralizar la gestión de gastos, vincular las solicitudes y las aprobaciones con los presupuestos y consultar el impacto previsto antes de aprobar un gasto. También mejora la visibilidad y la trazabilidad de la información, lo que permite a los equipos financieros tomar decisiones con una visión más completa.",{"_uid":2459,"title":2460,"component":656,"description":2461},"8427c66e-c068-4401-85ab-a91acccec289","¿Puede Spendesk conectarse con mi software contable?",{"type":41,"content":2462},[2463],{"type":44,"attrs":2464,"content":2465},{"textAlign":46},[2466],{"text":2467,"type":51},"Spendesk puede preparar los datos de gasto para exportarlos o sincronizarlos con herramientas contables mediante integraciones, exportaciones o una API, en función del producto, la configuración y el plan contratado. 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Como base, suele ser útil registrar la denominación legal, el NIF, un contacto, el estado del proveedor y, cuando sea necesario para pagar, los datos bancarios y las condiciones de pago. Los campos concretos dependen de la entidad, el país, el tipo de operación y los controles internos.",{"_uid":2560,"title":2561,"component":656,"description":2562},"fd9cad58-a254-4599-ab13-71cd1b53a876","¿Cuál es la diferencia entre denominación legal y nombre comercial?",{"type":41,"content":2563},[2564],{"type":44,"attrs":2565,"content":2566},{"textAlign":46},[2567],{"text":2568,"type":51},"La denominación legal es el nombre con el que la empresa o el profesional está identificado legal y fiscalmente. El nombre comercial es la marca con la que opera en el mercado. Pueden coincidir o ser diferentes. En las facturas debe utilizarse la identificación exigida por la normativa de facturación, no únicamente la marca comercial.",{"_uid":2570,"title":2571,"component":656,"description":2572},"b89ecdfe-e537-40cc-84b4-8e8e5867c26b","¿Cuánto tiempo hay que conservar los datos de un proveedor?",{"type":41,"content":2573},[2574],{"type":44,"attrs":2575,"content":2576},{"textAlign":46},[2577],{"text":2578,"type":51},"No existe un único plazo aplicable a todos los datos del proveedor. Las facturas y justificantes fiscales suelen estar sujetos al plazo de prescripción tributaria aplicable, normalmente cuatro años, mientras que los libros y la documentación mercantil deben conservarse durante seis años desde el último asiento realizado en los libros. Pueden aplicarse plazos especiales más largos. Conserva el histórico necesario para justificar las operaciones y elimina o bloquea los datos personales cuando ya no exista una finalidad o una obligación que justifique conservarlos.",{"_uid":2580,"title":2581,"component":656,"description":2582},"4363da7c-dff9-48e2-bd52-1f984495b285","¿Qué datos bancarios necesito para pagar a un proveedor?",{"type":41,"content":2583},[2584],{"type":44,"attrs":2585,"content":2586},{"textAlign":46},[2587],{"text":2588,"type":51},"El IBAN es el identificador principal de la cuenta en los pagos SEPA. En España tiene 24 caracteres, pero la longitud varía según el país. También debes registrar el método de pago y las condiciones acordadas. La validación estructural del IBAN puede detectar algunos errores de introducción, pero no confirma que la cuenta pertenezca al proveedor. Ante un alta o cambio de datos bancarios, utiliza un canal independiente para verificar la información.",{"_uid":2590,"title":2591,"component":656,"description":2592},"e25dca40-69e6-43e5-836f-90078c356ae9","¿Es mejor una ficha de proveedores en Excel o en un software?",{"type":41,"content":2593},[2594],{"type":44,"attrs":2595,"content":2596},{"textAlign":46},[2597],{"text":2598,"type":51},"Depende del número de usuarios, las entidades, el volumen de operaciones, la necesidad de permisos y el nivel de trazabilidad que requiera la empresa. Excel puede ser suficiente para procesos sencillos. Un sistema centralizado puede resultar más adecuado cuando se necesitan controles de acceso, historial de cambios, relación con pedidos y facturas, y un registro común para varios equipos.",[2600],{"cta":2601,"_uid":2602,"title":2603,"eyebrow":2609,"subtitle":2614,"component":146,"textAlign":23,"flexibleSection":2619,"sectionSettings":2620,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"75af5439-dd80-4e9f-bc5a-d09eb461476c",{"type":41,"content":2604},[2605],{"type":146,"attrs":2606,"content":2607},{"level":148,"textAlign":46},[2608],{"text":2478,"type":51},{"type":41,"content":2610},[2611],{"type":44,"attrs":2612,"content":2613},{"textAlign":46},[],{"type":41,"content":2615},[2616],{"type":44,"attrs":2617,"content":2618},{"textAlign":46},[],[],[],"ficha-de-proveedores","es/blog/ficha-de-proveedores",-2820,[],"9aadce39-90fd-4b77-adc3-a13bced00c54","2026-08-26T16:07:11.146Z",[],"blog/ficha-de-proveedores",[2630,2631,2632],{"path":2628,"name":46,"lang":64,"published":46},{"path":2628,"name":46,"lang":66,"published":46},{"path":2628,"name":46,"lang":59,"published":46},{"name":2634,"created_at":2635,"published_at":2636,"updated_at":2637,"id":2638,"uuid":2639,"content":2640,"slug":2750,"full_slug":2751,"sort_by_date":46,"position":2752,"tag_list":2753,"is_startpage":29,"parent_id":721,"meta_data":46,"group_id":2754,"first_published_at":2755,"release_id":46,"lang":59,"path":46,"alternates":2756,"default_full_slug":2757,"translated_slugs":2758},"Software de compras y de la compra al pago: cómo elegir una herramienta para equipos financieros","2026-08-26T15:56:38.607Z","2026-08-27T10:55:17.918Z","2026-08-27T10:55:17.939Z",213279533546748,"6fbe7e8d-99d9-4dc0-b9d4-f2b989c02a54",{"_uid":2641,"title":2634,"topics":2642,"noIndex":29,"category":2651,"language":2660,"component":616,"heroMedia":2661,"metaTitle":2662,"publishedAt":2663,"readingTime":2664,"redirectUrl":23,"listingImage":2665,"metaDescription":2672,"bottomArticleCta":2673,"componentsAfterTheArticle":2674},"344a3357-3ce2-4011-ab4d-5a1013736083",[2643],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":2644,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":2645,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":2646,"default_full_slug":87,"translated_slugs":2647,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[2648,2649,2650],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":604,"created_at":605,"published_at":6,"updated_at":606,"id":607,"uuid":608,"content":2652,"slug":616,"full_slug":617,"sort_by_date":46,"position":618,"tag_list":2654,"is_startpage":29,"parent_id":620,"meta_data":46,"group_id":621,"first_published_at":622,"release_id":46,"lang":59,"path":46,"alternates":2655,"default_full_slug":624,"translated_slugs":2656,"_stopResolving":68},{"_uid":610,"icon":2653,"name":604,"component":615},{"id":612,"alt":613,"name":23,"focus":23,"title":23,"filename":614,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[2657,2658,2659],{"path":624,"name":46,"lang":64,"published":46},{"path":624,"name":46,"lang":66,"published":46},{"path":624,"name":46,"lang":59,"published":46},[59],[],"Software de compras y procure-to-pay: cómo elegir","2026-08-04 00:00","16",[2666],{"_uid":2667,"asset":2668,"caption":23,"component":638},"29b7ddcd-1df7-4516-b9a1-f5f6df1121f4",{"id":2669,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2670,"copyright":23,"fieldtype":28,"meta_data":2671,"is_external_url":29},213559290986096,"https://a.storyblok.com/f/146026/1536x1024/255fadd1fe/software-de-compras-procure-to-pay.png",{"size":2542},"El proceso de compras fragmentado genera sorpresas al cierre. Descubre cómo elegir un software que conecte solicitud, aprobación y pago en un único flujo.",[],[2675],{"_uid":2676,"items":2677,"heading":2728,"component":708},"694060cd-7f73-4d21-964e-bfc3d015e288",[2678,2688,2698,2708,2718],{"_uid":2679,"title":2680,"component":656,"description":2681},"20410847-1c86-448c-bf8d-5e5b9610fec4","¿Qué es el proceso de compras?",{"type":41,"content":2682},[2683],{"type":44,"attrs":2684,"content":2685},{"textAlign":46},[2686],{"text":2687,"type":51},"Es el conjunto de actividades que va desde la solicitud de un bien o servicio hasta su recepción, validación, contabilización y pago. El número de pasos varía según la organización, el tipo de compra y los controles internos.",{"_uid":2689,"title":2690,"component":656,"description":2691},"956cf1c7-ea52-4e4c-86a9-1476d4a6c71a","¿En qué se diferencia el procure-to-pay de un ERP?",{"type":41,"content":2692},[2693],{"type":44,"attrs":2694,"content":2695},{"textAlign":46},[2696],{"text":2697,"type":51},"El ERP gestiona la contabilidad general y otros módulos de negocio. El procure-to-pay se centra en conectar la solicitud, la aprobación, el pedido, la recepción, la factura y el pago en un flujo trazable. Algunas soluciones P2P se integran con el ERP para intercambiar datos, pero no lo sustituyen necesariamente.",{"_uid":2699,"title":2700,"component":656,"description":2701},"89a515a1-b236-44f1-8bed-aa54da5bd802","¿Necesito un software de compras si ya tengo una gestoría o un ERP?",{"type":41,"content":2702},[2703],{"type":44,"attrs":2704,"content":2705},{"textAlign":46},[2706],{"text":2707,"type":51},"No siempre. Depende de si el ERP o la gestoría cubren también la solicitud, la aprobación, el control presupuestario y la trazabilidad previa al gasto. Si esos procesos se gestionan por correo o en hojas de cálculo, una herramienta especializada puede ayudar a estructurarlos y a enviar los datos validados al sistema contable.",{"_uid":2709,"title":2710,"component":656,"description":2711},"a75afb36-ff3d-4435-90a6-7d03a1618aed","¿Cómo puede ayudar la automatización en la evaluación y el onboarding de proveedores?",{"type":41,"content":2712},[2713],{"type":44,"attrs":2714,"content":2715},{"textAlign":46},[2716],{"text":2717,"type":51},"Centralizar los datos de proveedores y contratos puede facilitar la consulta de condiciones y fechas de renovación. Los controles sobre los cambios de datos bancarios, incluida la confirmación independiente y, cuando esté disponible, la verificación del beneficiario, pueden ayudar a detectar algunas discrepancias. Ninguna de estas medidas garantiza por sí sola la prevención del fraude o de los pagos duplicados.",{"_uid":2719,"title":2720,"component":656,"description":2721},"9b2055bf-4352-4e62-b5f3-1df3804e80f9","¿Cuál es el mejor software de compras para una empresa mediana?",{"type":41,"content":2722},[2723],{"type":44,"attrs":2724,"content":2725},{"textAlign":46},[2726],{"text":2727,"type":51},"Depende del volumen, la complejidad de las aprobaciones, el número de entidades, los controles necesarios y las integraciones disponibles. Conviene buscar una solución que combine solicitudes, aprobaciones, visibilidad del gasto, pagos y conexión con el software contable que utiliza la empresa. 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Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":3123,"title":3124,"component":656,"description":3125},"2d2f199c-768f-4311-ad9c-01d5d4b9a7a9","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":41,"content":3126},[3127],{"type":44,"attrs":3128,"content":3129},{"textAlign":46},[3130],{"text":3131,"type":51},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":3133,"title":3134,"component":656,"description":3135},"63d190c0-3c99-46fe-ad81-bf5387a86407","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":41,"content":3136},[3137],{"type":44,"attrs":3138,"content":3139},{"textAlign":46},[3140],{"text":3141,"type":51},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":3143,"title":3144,"component":656,"description":3145},"071f8fe8-6df9-47c2-b583-ef1168c36e2e","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":41,"content":3146},[3147],{"type":44,"attrs":3148,"content":3149},{"textAlign":46},[3150],{"text":3151,"type":51},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":3153,"title":3154,"component":656,"description":3155},"4de825b9-4c40-40ea-a669-61d8b133daab","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":41,"content":3156},[3157],{"type":44,"attrs":3158,"content":3159},{"textAlign":46},[3160],{"text":3161,"type":51},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. Sin él, debes aplicar el tipo interno: 24 % o 19 % para residentes en la UE, Islandia o Noruega.",[3163],{"cta":3164,"_uid":3165,"title":3166,"eyebrow":3172,"subtitle":3177,"component":146,"textAlign":23,"flexibleSection":3182,"sectionSettings":3183,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"56d8941f-4368-4ebf-b3fa-30abb22e5a34",{"type":41,"content":3167},[3168],{"type":146,"attrs":3169,"content":3170},{"level":148,"textAlign":46},[3171],{"text":2478,"type":51},{"type":41,"content":3173},[3174],{"type":44,"attrs":3175,"content":3176},{"textAlign":46},[],{"type":41,"content":3178},[3179],{"type":44,"attrs":3180,"content":3181},{"textAlign":46},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2370,[],"a3f091f5-323c-4173-a95e-1977530b00e3","2026-08-10T14:39:56.884Z",[],"blog/modelo-210-no-residentes",[3193,3194,3195],{"path":3191,"name":46,"lang":64,"published":46},{"path":3191,"name":46,"lang":66,"published":46},{"path":3191,"name":46,"lang":59,"published":46},{"name":3197,"created_at":3198,"published_at":3199,"updated_at":3200,"id":3201,"uuid":3202,"content":3203,"slug":3360,"full_slug":3361,"sort_by_date":46,"position":3362,"tag_list":3363,"is_startpage":29,"parent_id":721,"meta_data":46,"group_id":3364,"first_published_at":3365,"release_id":46,"lang":59,"path":46,"alternates":3366,"default_full_slug":3367,"translated_slugs":3368},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-27T10:48:13.300Z","2026-08-27T10:48:13.315Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":3204,"title":3197,"topics":3205,"noIndex":29,"category":3222,"language":3231,"component":616,"heroMedia":3232,"metaTitle":3233,"publishedAt":2952,"readingTime":2953,"redirectUrl":23,"listingImage":3234,"metaDescription":3241,"bottomArticleCta":3242,"componentsAfterTheArticle":3243},"0d225812-4d55-44c2-b89f-006658f0f075",[3206,3214],{"name":814,"created_at":2773,"published_at":6,"updated_at":2774,"id":2775,"uuid":2776,"content":3207,"slug":2778,"full_slug":2779,"sort_by_date":46,"position":81,"tag_list":3208,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":2781,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3209,"default_full_slug":2783,"translated_slugs":3210,"_stopResolving":68},{"_uid":77,"name":814,"component":78},[],[],[3211,3212,3213],{"path":2783,"name":46,"lang":64,"published":46},{"path":2783,"name":46,"lang":66,"published":46},{"path":2783,"name":46,"lang":59,"published":46},{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3215,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3216,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3217,"default_full_slug":87,"translated_slugs":3218,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3219,3220,3221],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":604,"created_at":605,"published_at":6,"updated_at":606,"id":607,"uuid":608,"content":3223,"slug":616,"full_slug":617,"sort_by_date":46,"position":618,"tag_list":3225,"is_startpage":29,"parent_id":620,"meta_data":46,"group_id":621,"first_published_at":622,"release_id":46,"lang":59,"path":46,"alternates":3226,"default_full_slug":624,"translated_slugs":3227,"_stopResolving":68},{"_uid":610,"icon":3224,"name":604,"component":615},{"id":612,"alt":613,"name":23,"focus":23,"title":23,"filename":614,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3228,3229,3230],{"path":624,"name":46,"lang":64,"published":46},{"path":624,"name":46,"lang":66,"published":46},{"path":624,"name":46,"lang":59,"published":46},[59],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f",[3235],{"_uid":3236,"asset":3237,"caption":23,"component":638},"8d7934aa-bd72-45e4-bf37-d78357884d0b",{"id":3238,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3239,"copyright":23,"fieldtype":28,"meta_data":3240,"is_external_url":29},213557579976256,"https://a.storyblok.com/f/146026/1536x1024/07d9ae630e/modelo-111-irpf-retenciones.png",{"size":2542},"Guía del Modelo 111: qué declara la empresa, cómo se rellena casilla a casilla y los plazos del 3T ante la AEAT. Cuadra el 190 y evita recargos.",[],[3244],{"_uid":3245,"items":3246,"heading":3338,"component":708},"3a0a0e64-8720-4af2-91c3-673414935f4a",[3247,3280,3298,3308,3318,3328],{"_uid":3248,"title":3249,"component":656,"description":3250},"36103d57-5f5a-4af1-b116-c29162526b19","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":41,"content":3251},[3252],{"type":44,"attrs":3253,"content":3254},{"textAlign":46},[3255,3257,3263,3265,3271,3273,3279],{"text":3256,"type":51},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":3258,"type":51,"marks":3259}," Modelo 190 es su resumen anual informativo",[3260],{"type":213,"attrs":3261},{"href":3262,"uuid":46,"anchor":46,"target":1849,"linktype":32},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":3264,"type":51},". Las retenciones de alquileres se declaran mediante el",{"text":3266,"type":51,"marks":3267}," Modelo 115",[3268],{"type":213,"attrs":3269},{"href":3270,"uuid":46,"anchor":46,"target":1849,"linktype":32},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":3272,"type":51}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":3274,"type":51,"marks":3275}," Modelo 130",[3276],{"type":213,"attrs":3277},{"href":3278,"uuid":46,"anchor":46,"target":1849,"linktype":32},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":132,"type":51},{"_uid":3281,"title":3282,"component":656,"description":3283},"9abeccc9-21dd-4c0a-825b-d1de2694bb12","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":41,"content":3284},[3285],{"type":44,"attrs":3286,"content":3287},{"textAlign":46},[3288,3290,3296],{"text":3289,"type":51},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":3291,"type":51,"marks":3292}," Modelo 111, en casillas separadas",[3293],{"type":213,"attrs":3294},{"href":3295,"uuid":46,"anchor":46,"target":1849,"linktype":32},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":3297,"type":51},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":3299,"title":3300,"component":656,"description":3301},"4c266973-9d31-48f8-8102-ab45080ccaca","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":41,"content":3302},[3303],{"type":44,"attrs":3304,"content":3305},{"textAlign":46},[3306],{"text":3307,"type":51},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":3309,"title":3310,"component":656,"description":3311},"0d57caab-2cb2-4026-89b4-edfbb27fa3c7","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":41,"content":3312},[3313],{"type":44,"attrs":3314,"content":3315},{"textAlign":46},[3316],{"text":3317,"type":51},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":3319,"title":3320,"component":656,"description":3321},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":41,"content":3322},[3323],{"type":44,"attrs":3324,"content":3325},{"textAlign":46},[3326],{"text":3327,"type":51},"Debes presentar una autoliquidación negativa cuando se hayan pagado rentas sujetas a retención pero, por su cuantía, no procediera practicar retención. Si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención, no hay que presentar el modelo.",{"_uid":3329,"title":3330,"component":656,"description":3331},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":41,"content":3332},[3333],{"type":44,"attrs":3334,"content":3335},{"textAlign":46},[3336],{"text":3337,"type":51},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad.",[3339],{"cta":3340,"_uid":3341,"title":3342,"eyebrow":3348,"subtitle":3353,"component":146,"textAlign":23,"flexibleSection":3358,"sectionSettings":3359,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":41,"content":3343},[3344],{"type":146,"attrs":3345,"content":3346},{"level":148,"textAlign":46},[3347],{"text":2478,"type":51},{"type":41,"content":3349},[3350],{"type":44,"attrs":3351,"content":3352},{"textAlign":46},[],{"type":41,"content":3354},[3355],{"type":44,"attrs":3356,"content":3357},{"textAlign":46},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2360,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7","2026-08-10T14:39:54.001Z",[],"blog/modelo-111-irpf-retenciones",[3369,3370,3371],{"path":3367,"name":46,"lang":64,"published":46},{"path":3367,"name":46,"lang":66,"published":46},{"path":3367,"name":46,"lang":59,"published":46},{"name":3373,"created_at":3374,"published_at":3375,"updated_at":3376,"id":3377,"uuid":3378,"content":3379,"slug":3498,"full_slug":3499,"sort_by_date":46,"position":3500,"tag_list":3501,"is_startpage":29,"parent_id":721,"meta_data":46,"group_id":3502,"first_published_at":3503,"release_id":46,"lang":59,"path":46,"alternates":3504,"default_full_slug":3505,"translated_slugs":3506},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-07-15T12:23:14.902Z","2026-08-11T08:51:58.451Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":3380,"title":3373,"topics":3381,"noIndex":29,"category":3398,"language":3407,"component":616,"heroMedia":3408,"metaTitle":3409,"publishedAt":3410,"readingTime":3411,"redirectUrl":23,"listingImage":3412,"metaDescription":3419,"bottomArticleCta":3420,"componentsAfterTheArticle":3421},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3382,3390],{"name":814,"created_at":2773,"published_at":6,"updated_at":2774,"id":2775,"uuid":2776,"content":3383,"slug":2778,"full_slug":2779,"sort_by_date":46,"position":81,"tag_list":3384,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":2781,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3385,"default_full_slug":2783,"translated_slugs":3386,"_stopResolving":68},{"_uid":77,"name":814,"component":78},[],[],[3387,3388,3389],{"path":2783,"name":46,"lang":64,"published":46},{"path":2783,"name":46,"lang":66,"published":46},{"path":2783,"name":46,"lang":59,"published":46},{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3391,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3392,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3393,"default_full_slug":87,"translated_slugs":3394,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3395,3396,3397],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":604,"created_at":605,"published_at":6,"updated_at":606,"id":607,"uuid":608,"content":3399,"slug":616,"full_slug":617,"sort_by_date":46,"position":618,"tag_list":3401,"is_startpage":29,"parent_id":620,"meta_data":46,"group_id":621,"first_published_at":622,"release_id":46,"lang":59,"path":46,"alternates":3402,"default_full_slug":624,"translated_slugs":3403,"_stopResolving":68},{"_uid":610,"icon":3400,"name":604,"component":615},{"id":612,"alt":613,"name":23,"focus":23,"title":23,"filename":614,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3404,3405,3406],{"path":624,"name":46,"lang":64,"published":46},{"path":624,"name":46,"lang":66,"published":46},{"path":624,"name":46,"lang":59,"published":46},[59],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00","13",[3413],{"_uid":3414,"asset":3415,"caption":23,"component":638},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3416,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3417,"copyright":23,"fieldtype":28,"meta_data":3418,"is_external_url":29},198050494748961,"https://a.storyblok.com/f/146026/1538x858/a3a2285d8a/spendesk_blog_cover_periodo_pago_v2.jpg",{},"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[],[3422],{"_uid":3423,"items":3424,"heading":1026,"component":708},"d437e15a-ca83-40ff-962f-928bbc083496",[3425,3443,3453,3463,3473],{"_uid":3426,"title":3427,"component":656,"description":3428},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":41,"content":3429},[3430],{"type":44,"attrs":3431,"content":3432},{"textAlign":46},[3433,3435,3441],{"text":3434,"type":51},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3436,"type":51,"marks":3437},"Ley 15/2010",[3438],{"type":213,"attrs":3439},{"href":3440,"uuid":46,"anchor":46,"target":1849,"linktype":32},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3442,"type":51},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":3444,"title":3445,"component":656,"description":3446},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":41,"content":3447},[3448],{"type":44,"attrs":3449,"content":3450},{"textAlign":46},[3451],{"text":3452,"type":51},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":3454,"title":3455,"component":656,"description":3456},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":41,"content":3457},[3458],{"type":44,"attrs":3459,"content":3460},{"textAlign":46},[3461],{"text":3462,"type":51},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":3464,"title":3465,"component":656,"description":3466},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":41,"content":3467},[3468],{"type":44,"attrs":3469,"content":3470},{"textAlign":46},[3471],{"text":3472,"type":51},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":3474,"title":3475,"component":656,"description":3476},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":41,"content":3477},[3478],{"type":44,"attrs":3479,"content":3480},{"textAlign":46},[3481,3483,3489,3491,3497],{"text":3482,"type":51},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":3484,"type":51,"marks":3485},"conciliación",[3486],{"type":213,"attrs":3487},{"href":3488,"uuid":46,"anchor":46,"target":1849,"linktype":32},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":3490,"type":51},"), evalúa plataformas de gestión de gasto integral que centralicen todo el flujo en un único sistema. La clave es que la herramienta se integre con tu software contable y con los flujos de tu gestoría si externalizas parte de la contabilidad. Controlar el PMP no es solo una obligación legal. Es una ventaja operativa que mejora tu relación con proveedores, reduce costes financieros y te permite acceder a subvenciones y contratos públicos sin restricciones. Si quieres ver cómo Spendesk ayuda a los equipos financieros a gestionar los pagos a proveedores y mantener el PMP bajo control, ",{"text":3492,"type":51,"marks":3493},"visita 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[3550],{"_uid":3551,"asset":3552,"caption":23,"component":638},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":3553,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3554,"copyright":23,"fieldtype":28,"meta_data":3555,"is_external_url":29},198047324595677,"https://a.storyblok.com/f/146026/2752x1536/11fd6b63a0/spendesk_blog_cover_anticipo_proveedores.jpg",{},"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[3559],{"_uid":3560,"items":3561,"heading":1026,"component":708},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3562,3572,3582,3592,3602,3612,3622],{"_uid":3563,"title":3564,"component":656,"description":3565},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no 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El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":3583,"title":3584,"component":656,"description":3585},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":41,"content":3586},[3587],{"type":44,"attrs":3588,"content":3589},{"textAlign":46},[3590],{"text":3591,"type":51},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":3593,"title":3594,"component":656,"description":3595},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":41,"content":3596},[3597],{"type":44,"attrs":3598,"content":3599},{"textAlign":46},[3600],{"text":3601,"type":51},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":3603,"title":3604,"component":656,"description":3605},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":41,"content":3606},[3607],{"type":44,"attrs":3608,"content":3609},{"textAlign":46},[3610],{"text":3611,"type":51},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":3613,"title":3614,"component":656,"description":3615},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":41,"content":3616},[3617],{"type":44,"attrs":3618,"content":3619},{"textAlign":46},[3620],{"text":3621,"type":51},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":3623,"title":3624,"component":656,"description":3625},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":41,"content":3626},[3627],{"type":44,"attrs":3628,"content":3629},{"textAlign":46},[3630],{"text":3631,"type":51},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. 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Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[3693],{"_uid":3694,"items":3695,"heading":1026,"component":708},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3696,3706,3716,3726,3736],{"_uid":3697,"title":3698,"component":656,"description":3699},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":41,"content":3700},[3701],{"type":44,"attrs":3702,"content":3703},{"textAlign":46},[3704],{"text":3705,"type":51},"Desde octubre de 2027 para empresas con facturación superior a 8 millones de euros anuales, y desde octubre de 2028 para todas las demás empresas y autónomos. Ambas fechas se derivan del RD 238/2026.",{"_uid":3707,"title":3708,"component":656,"description":3709},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":41,"content":3710},[3711],{"type":44,"attrs":3712,"content":3713},{"textAlign":46},[3714],{"text":3715,"type":51},"VERI*FACTU regula la generación de facturas: software certificado que envía registros a la AEAT en tiempo real. La Ley Crea y Crece regula el intercambio B2B: facturas en formato estructurado (UBL, CII) entre empresas, con seguimiento obligatorio del estado en un plazo de cuatro días naturales. Ambas son obligatorias de forma simultánea.",{"_uid":3717,"title":3718,"component":656,"description":3719},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":41,"content":3720},[3721],{"type":44,"attrs":3722,"content":3723},{"textAlign":46},[3724],{"text":3725,"type":51},"Sí. La factura simplificada es un documento fiscal válido y se puede contabilizar. Bajo el nuevo régimen, el estado de la factura simplificada debe rastrearse electrónicamente, igual que una factura completa. El umbral se mantiene en 400 € para el contexto general.",{"_uid":3727,"title":3728,"component":656,"description":3729},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":41,"content":3730},[3731],{"type":44,"attrs":3732,"content":3733},{"textAlign":46},[3734],{"text":3735,"type":51},"Sí, existe una categoría específica dentro del programa Kit Digital, con ayudas de hasta 12.000 € para pymes, destinada a la digitalización de la facturación. 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