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financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":138,"name":153,"component":22},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[166,167,168],{"path":164,"name":25,"lang":37,"published":25},{"path":164,"name":25,"lang":39,"published":25},{"path":164,"name":25,"lang":32,"published":25},{"type":107,"content":170},[171,176,182,189,195,209,223,229,234,239,252,257,270,275,280,286,291,344,349,363,369,383,388,402,415,429,443,448,454,467,473],{"type":110,"attrs":172,"content":173},{"textAlign":25,"key":112},[174],{"text":175,"type":116},"Cada trimestre se repite la misma escena en el equipo de finanzas. Antes de que venza el plazo de la AEAT, alguien reconstruye la base de retenciones a partir de nóminas y facturas de proveedores dispersas. Llegan por correo electrónico, en PDF o en papel, y están repartidas entre distintas carpetas y bandejas de entrada.",{"type":110,"attrs":177,"content":179},{"textAlign":25,"key":178},"p-1",[180],{"text":181,"type":116},"El Modelo 111 reúne toda esa información en una autoliquidación trimestral. Cualquier factura de un profesional que se quede fuera reaparece en enero, al cuadrar el resumen anual. Esta guía explica qué declara la empresa, qué conceptos forman la base declarable, cómo se rellena casilla por casilla, cómo y cuándo se presenta ante la AEAT y qué errores conviene anticipar.",{"type":183,"attrs":184,"content":186},"heading",{"level":185,"textAlign":25},2,[187],{"text":188,"type":116},"Qué declara la empresa en el Modelo 111",{"type":110,"attrs":190,"content":192},{"textAlign":25,"key":191},"p-2",[193],{"text":194,"type":116},"El Modelo 111 del IRPF es la autoliquidación trimestral mediante la que la empresa declara e ingresa las retenciones e ingresos a cuenta del IRPF que ha practicado sobre las rentas que paga. No es un impuesto propio de la empresa, sino un pago a cuenta del IRPF de terceros. La empresa actúa como agente retenedor: retiene una parte de la nómina o de la factura del profesional y la ingresa en su nombre ante la AEAT.",{"type":110,"attrs":196,"content":198},{"textAlign":25,"key":197},"p-3",[199,207],{"text":200,"type":116,"marks":201},"Está obligado a presentar el Modelo 111",[202],{"type":203,"attrs":204},"link",{"href":205,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/obligaciones-retenedor.html","_blank",{"text":208,"type":116}," quien paga nóminas a personas trabajadoras o facturas de profesionales con retención del IRPF. También se incluyen otras rentas sujetas a retención, como los premios o los rendimientos derivados de la cesión de derechos de imagen, siempre que se hayan satisfecho durante el trimestre.",{"type":110,"attrs":210,"content":212},{"textAlign":25,"key":211},"p-4",[213,215,221],{"text":214,"type":116},"La relación con el Modelo 190 es directa y conviene tenerla presente desde el primer trimestre. El Modelo 111 recoge cada trimestre las retenciones practicadas, mientras que el Modelo 190 es el",{"text":216,"type":116,"marks":217}," resumen anual",[218],{"type":203,"attrs":219},{"href":220,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/blog/ano-fiscal/",{"text":222,"type":116}," que agrega esas mismas cifras por perceptor. Los cuatro Modelos 111 del ejercicio deben cuadrar con el Modelo 190.",{"type":110,"attrs":224,"content":226},{"textAlign":25,"key":225},"p-5",[227],{"text":228,"type":116},"Pensemos en el responsable de administración de una empresa con 80 empleados. Cada trimestre agrupa las nóminas del personal y las facturas de los consultores externos que han trabajado para la compañía, separa la parte retenida y la traslada al Modelo 111 del IRPF. Si una factura de un consultor no llega a tiempo a contabilidad, esa retención no se declara y el descuadre aflora meses después.",{"type":183,"attrs":230,"content":231},{"level":185,"textAlign":25},[232],{"text":233,"type":116},"Los conceptos y las facturas que forman la base declarable",{"type":110,"attrs":235,"content":236},{"textAlign":25,"key":112},[237],{"text":238,"type":116},"La base del Modelo 111 se compone de dos grandes bloques de rentas: los rendimientos del trabajo y los rendimientos de actividades económicas. Los rendimientos del trabajo incluyen las nóminas, tanto las percepciones dinerarias como las retribuciones en especie. Los rendimientos de actividades económicas son las facturas de autónomos y profesionales que aplican una retención del IRPF.",{"type":110,"attrs":240,"content":241},{"textAlign":25,"key":178},[242,244,250],{"text":243,"type":116},"Los tipos de retención determinan cuánto ingresa la empresa por cada renta. Para los autónomos y profesionales que prestan servicios, el",{"text":245,"type":116,"marks":246}," tipo general es del 15 %",[247],{"type":203,"attrs":248},{"href":249,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.boe.es/eli/es/rd/2007/03/30/439/con",{"text":251,"type":116}," sobre el importe bruto de la factura. Los profesionales que inician su actividad pueden aplicar un tipo reducido del 7 % durante el año de inicio y los dos siguientes. Para ello, no deben haber ejercido ninguna actividad profesional en el año natural anterior. Además, el profesional debe comunicar por escrito y con su firma al pagador que se acoge a ese tipo reducido, y la empresa que recibe la factura debe conservar dicha comunicación.",{"type":110,"attrs":253,"content":254},{"textAlign":25,"key":191},[255],{"text":256,"type":116},"Veamos el mecanismo con una factura concreta de un autónomo con retención del IRPF. Un abogado autónomo emite una factura de 1.000 € con una retención del 15 %. La empresa le paga 850 € e ingresa los 150 € restantes ante la AEAT, a cuenta de su IRPF. Esos 150 € forman parte de la base que se declara en el Modelo 111 del trimestre.",{"type":110,"attrs":258,"content":259},{"textAlign":25,"key":197},[260,262,268],{"text":261,"type":116},"Aquí es donde el momento de la captura resulta importante. Cuando las",{"text":263,"type":116,"marks":264}," facturas de proveedores",[265],{"type":203,"attrs":266},{"href":267,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":269,"type":116}," y sus retenciones se capturan y categorizan al recibirlas, mediante procesamiento OCR y flujos de aprobación configurables, la base del Modelo 111 se va construyendo a lo largo del trimestre. Spendesk trabaja precisamente sobre este punto: registrar cada factura y su retención en el momento en que llega, de modo que la base ya esté formada antes del cierre y no haya que reconstruirla a mano cuando se acerque el plazo.",{"type":183,"attrs":271,"content":272},{"level":185,"textAlign":25},[273],{"text":274,"type":116},"Cómo se rellena el Modelo 111, casilla por casilla",{"type":110,"attrs":276,"content":277},{"textAlign":25,"key":211},[278],{"text":279,"type":116},"Rellenar el Modelo 111 consiste en identificar a la empresa, fijar el período y trasladar las percepciones y retenciones a los distintos bloques de liquidación.",{"type":183,"attrs":281,"content":283},{"level":282,"textAlign":25},3,[284],{"text":285,"type":116},"La estructura del formulario: declarante, devengo, liquidación y firma",{"type":110,"attrs":287,"content":288},{"textAlign":25,"key":225},[289],{"text":290,"type":116},"El modelo se estructura en apartados que se completan en este orden:",{"type":292,"content":293},"ordered_list",[294,308,320,332],{"type":295,"content":296},"list_item",[297],{"type":110,"attrs":298,"content":300},{"textAlign":25,"key":299},"p-6",[301,306],{"text":302,"type":116,"marks":303},"Declarante:",[304],{"type":305},"bold",{"text":307,"type":116}," nombre o razón social y NIF de la empresa.",{"type":295,"content":309},[310],{"type":110,"attrs":311,"content":313},{"textAlign":25,"key":312},"p-7",[314,318],{"text":315,"type":116,"marks":316},"Devengo:",[317],{"type":305},{"text":319,"type":116}," ejercicio y período, por ejemplo, 3T para el tercer trimestre.",{"type":295,"content":321},[322],{"type":110,"attrs":323,"content":325},{"textAlign":25,"key":324},"p-8",[326,330],{"text":327,"type":116,"marks":328},"Liquidación:",[329],{"type":305},{"text":331,"type":116}," percepciones y retenciones agrupadas por tipo de renta.",{"type":295,"content":333},[334],{"type":110,"attrs":335,"content":337},{"textAlign":25,"key":336},"p-9",[338,342],{"text":339,"type":116,"marks":340},"Apartados finales:",[341],{"type":305},{"text":343,"type":116}," ingreso, negativa, complementaria y firma.",{"type":183,"attrs":345,"content":346},{"level":282,"textAlign":25},[347],{"text":348,"type":116},"El bloque de liquidación, casilla por casilla",{"type":110,"attrs":350,"content":352},{"textAlign":25,"key":351},"p-10",[353,355,361],{"text":354,"type":116},"El bloque de liquidación es el que concentra las cifras y",{"text":356,"type":116,"marks":357}," sigue una estructura por tipo de renta",[358],{"type":203,"attrs":359},{"href":360,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":362,"type":116},". Las casillas 01 a 03 recogen los rendimientos del trabajo dinerarios: número de perceptores, importe de las percepciones y retenciones practicadas. Las casillas 04 a 06 recogen los rendimientos del trabajo en especie, con el mismo desglose. Las casillas 07 a 09 recogen los rendimientos de actividades económicas, es decir, las facturas de profesionales, también con el número de perceptores, el importe de las percepciones y las retenciones practicadas. Los bloques posteriores cubren los premios, los arrendamientos, las ganancias patrimoniales y la cesión de derechos de imagen. La casilla 30 recoge el total a ingresar, que es la suma de las retenciones de todos los bloques.",{"type":110,"attrs":364,"content":366},{"textAlign":25,"key":365},"p-11",[367],{"text":368,"type":116},"Un ejemplo resuelto ayuda a entender el resultado final antes de presentar el Modelo 111 ante la AEAT. Supongamos que, en el tercer trimestre, la empresa ha pagado cinco nóminas por un importe total de 60.000 €, con 9.000 € retenidos, y dos facturas de profesionales por 3.000 €, con 450 € retenidos. Las nóminas se declaran en las casillas 01 a 03 y las facturas, en las casillas 07 a 09. El total a ingresar en la casilla 30 asciende a 9.450 €, resultado de sumar los 9.000 € y los 450 € retenidos.",{"type":110,"attrs":370,"content":372},{"textAlign":25,"key":371},"p-12",[373,375,381],{"text":374,"type":116},"Antes de firmar, revisa que el número de perceptores de cada bloque coincida con los registros de nóminas y",{"text":376,"type":116,"marks":377}," facturas",[378],{"type":203,"attrs":379},{"href":380,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":382,"type":116},". Cualquier perceptor omitido en el trimestre reaparecerá como diferencia en el Modelo 190.",{"type":183,"attrs":384,"content":385},{"level":185,"textAlign":25},[386],{"text":387,"type":116},"Cómo y cuándo se presenta ante la AEAT",{"type":110,"attrs":389,"content":391},{"textAlign":25,"key":390},"p-13",[392,394,400],{"text":393,"type":116},"El Modelo 111 se presenta de forma telemática en la sede electrónica de la AEAT, con",{"text":395,"type":116,"marks":396}," certificado digital",[397],{"type":203,"attrs":398},{"href":399,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/blog/factura-electronica/",{"text":401,"type":116}," o mediante Cl@ve. Las empresas no lo pueden presentar en papel: el trámite es electrónico y queda registrado con su justificante.",{"type":110,"attrs":403,"content":405},{"textAlign":25,"key":404},"p-14",[406,408,413],{"text":407,"type":116},"El plazo general es el de los",{"text":409,"type":116,"marks":410}," 20 primeros días naturales",[411],{"type":203,"attrs":412},{"href":360,"uuid":25,"anchor":25,"target":206,"linktype":98},{"text":414,"type":116}," de abril, julio, octubre y enero, y cada período se refiere al trimestre inmediatamente anterior. El tercer trimestre, que abarca de julio a septiembre, se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se acorta: la presentación con domiciliación debe realizarse hasta el 15 de octubre. Cuando el día 20, o el 15 en caso de domiciliación, cae en sábado, domingo o festivo, el vencimiento se traslada al siguiente día hábil.",{"type":110,"attrs":416,"content":418},{"textAlign":25,"key":417},"p-15",[419,421,427],{"text":420,"type":116},"Hay un detalle que sorprende a más de un equipo la primera vez. Las retenciones del Modelo 111",{"text":422,"type":116,"marks":423}," no se pueden aplazar ni fraccionar",[424],{"type":203,"attrs":425},{"href":426,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2015-10143",{"text":428,"type":116},", porque son cantidades retenidas a terceros. Una solicitud de aplazamiento de estas deudas se declara inadmisible, no simplemente se deniega. La diferencia es relevante: al ser inadmisible, el período voluntario sigue corriendo y la deuda pasa a la vía ejecutiva si no se paga a tiempo.",{"type":110,"attrs":430,"content":432},{"textAlign":25,"key":431},"p-16",[433,435,441],{"text":434,"type":116},"Si se presenta fuera de plazo, el",{"text":436,"type":116,"marks":437}," artículo 27 de la Ley General Tributaria",[438],{"type":203,"attrs":439},{"href":440,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.boe.es/eli/es/l/2003/12/17/58/con",{"text":442,"type":116}," establece el recargo aplicable. Si la presentación se realiza de forma voluntaria y sin requerimiento previo de la AEAT, durante los primeros 12 meses se aplica un recargo del 1 %. Se suma un 1 % adicional por cada mes completo de retraso, sin intereses ni sanción. Pasados 12 meses, el recargo aumenta al 15 % y se añaden intereses de demora. El recargo se reduce un 25 % si se paga en el plazo establecido para el propio recargo. Si existe un requerimiento previo de la AEAT, ya no se aplican recargos, sino sanciones. Por tanto, el equipo que domicilia el pago tiene un margen menor: debe cerrar la base antes del 15 de octubre, no del 20.",{"type":183,"attrs":444,"content":445},{"level":185,"textAlign":25},[446],{"text":447,"type":116},"Los errores más frecuentes ante la AEAT y cómo evitarlos",{"type":110,"attrs":449,"content":451},{"textAlign":25,"key":450},"p-17",[452],{"text":453,"type":116},"Los fallos que la AEAT detecta con más frecuencia en el Modelo 111 tienen un origen común: información que se pierde o se clasifica incorrectamente durante el trimestre. Los tres más habituales son olvidar facturas de profesionales con retención, aplicar un tipo equivocado a esas facturas y generar descuadres entre los cuatro Modelos 111 del año y el Modelo 190 anual.",{"type":110,"attrs":455,"content":457},{"textAlign":25,"key":456},"p-18",[458,460,465],{"text":459,"type":116},"La declaración a cero tiene una regla propia que conviene tener clara. Hay que presentar una",{"text":461,"type":116,"marks":462}," autoliquidación negativa",[463],{"type":203,"attrs":464},{"href":360,"uuid":25,"anchor":25,"target":206,"linktype":98},{"text":466,"type":116},", con resultado de 0 €, cuando se han pagado rentas sujetas a retención pero, por su cuantía, no procedía practicar retención alguna. En cambio, no hay que presentar el modelo si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención.",{"type":110,"attrs":468,"content":470},{"textAlign":25,"key":469},"p-19",[471],{"text":472,"type":116},"Para corregir un error ya presentado, la vía depende del sentido de la diferencia. Si el error da lugar a una cantidad mayor a ingresar, se presenta una autoliquidación complementaria. Si la empresa ingresó de más, se presenta una solicitud de rectificación de la autoliquidación. En ambos casos, ayuda contar con una rutina de control previo: contrastar los perceptores, los importes y los tipos con los registros de nóminas y facturas antes de firmar cada trimestre.",{"type":110,"attrs":474,"content":476},{"textAlign":25,"key":475},"p-20",[477,479,485,487,493,495,501],{"text":478,"type":116},"Un caso típico lo ilustra. En enero, al preparar el Modelo 190 durante el",{"text":480,"type":116,"marks":481}," cierre anual",[482],{"type":203,"attrs":483},{"href":484,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/blog/cierre-anual/",{"text":486,"type":116},", el equipo detecta que una factura de un consultor de septiembre no se incluyó en el tercer trimestre. El resumen anual no cuadra con la suma de los trimestres y es necesario rectificar. Mantener ",{"text":488,"type":116,"marks":489},"centralizadas y conciliadas",[490],{"type":203,"attrs":491},{"href":492,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":494,"type":116},", a lo largo del trimestre, las facturas de autónomos y sus retenciones del IRPF reduce estos descuadres con el Modelo 190. 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Cuadra el 190 y evita recargos.",[],[537],{"_uid":538,"items":539,"heading":631,"component":654},"15367aef-6875-4699-8cf1-a97df1845252",[540,574,591,601,611,621],{"_uid":541,"title":542,"component":543,"description":544},"5d541e1b-8c2c-4074-8a1c-d72712c41d63","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?","faqItem",{"type":107,"content":545},[546],{"type":110,"attrs":547,"content":548},{"textAlign":25,"key":112},[549,551,557,559,565,567,573],{"text":550,"type":116},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":552,"type":116,"marks":553}," Modelo 190 es su resumen anual informativo",[554],{"type":203,"attrs":555},{"href":556,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":558,"type":116},". 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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":585,"type":116,"marks":586}," Modelo 111, en casillas separadas",[587],{"type":203,"attrs":588},{"href":360,"uuid":25,"anchor":25,"target":206,"linktype":98},{"text":590,"type":116},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. 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Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":612,"title":613,"component":543,"description":614},"6e6c7128-a4b3-4652-9340-46276fc41f1e","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":107,"content":615},[616],{"type":110,"attrs":617,"content":618},{"textAlign":25,"key":112},[619],{"text":620,"type":116},"Debes presentar una autoliquidación negativa cuando se hayan pagado rentas sujetas a retención pero, por su cuantía, no procediera practicar retención. Si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención, no hay que presentar el modelo.",{"_uid":622,"title":623,"component":543,"description":624},"1690dae5-8eb5-4727-bf13-b094c0f64d59","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":107,"content":625},[626],{"type":110,"attrs":627,"content":628},{"textAlign":25,"key":112},[629],{"text":630,"type":116},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad. ## Deja lista la base de tu próximo Modelo 111 antes del cierre Reúne las facturas de proveedores y sus retenciones a medida que llegan, en lugar de reconstruir la base cuando se acerque el plazo de la AEAT. 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Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":2347,"title":2348,"component":543,"description":2349},"b686385c-d192-4852-9fc5-7af23a4a9b4d","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":107,"content":2350},[2351],{"type":110,"attrs":2352,"content":2353},{"textAlign":25},[2354],{"text":2355,"type":116},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":2357,"title":2358,"component":543,"description":2359},"f47c0192-b1ce-4d56-93e9-b5ccdfa4ef96","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":107,"content":2360},[2361],{"type":110,"attrs":2362,"content":2363},{"textAlign":25},[2364],{"text":2365,"type":116},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":2367,"title":2368,"component":543,"description":2369},"626ce63d-6ac5-40eb-8ce2-c56d0eba1368","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":107,"content":2370},[2371],{"type":110,"attrs":2372,"content":2373},{"textAlign":25},[2374],{"text":2375,"type":116},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":2377,"title":2378,"component":543,"description":2379},"3d978fb9-e7b3-4808-88ff-699c0ba79121","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":107,"content":2380},[2381],{"type":110,"attrs":2382,"content":2383},{"textAlign":25},[2384],{"text":2385,"type":116},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. 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Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":2757,"title":2758,"component":543,"description":2759},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":2760},[2761],{"type":110,"attrs":2762,"content":2763},{"textAlign":25},[2764],{"text":2765,"type":116},"Con el RD 238/2026, cada pago tardío queda registrado automáticamente en la AEAT y puede cruzarse con los plazos legales de morosidad sin intervención del acreedor. Las consecuencias financieras directas, como los intereses del 10,15% anualizado y la compensación fija de 40 euros por factura, se activan desde el primer día de retraso. Si el PMP supera los 60 días, la empresa queda además excluida de subvenciones públicas superiores a 30.000 euros.",{"_uid":2767,"title":2768,"component":543,"description":2769},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":2770},[2771],{"type":110,"attrs":2772,"content":2773},{"textAlign":25},[2774],{"text":2775,"type":116},"Sí. La Ley 18/2022 (Crea y Crece) excluye de subvenciones superiores a 30.000 euros a las empresas cuyo periodo medio de pago supere los 60 días.",{"_uid":2777,"title":2778,"component":543,"description":2779},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":2780},[2781],{"type":110,"attrs":2782,"content":2783},{"textAlign":25},[2784],{"text":2785,"type":116},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. La facturación electrónica B2B (Crea y Crece) se implantará con plazos de un año para empresas con facturación superior a ocho millones de euros y dos años para pymes, contados desde la publicación del RD 238/2026.",[2787],{"cta":2788,"_uid":2789,"title":2790,"eyebrow":2796,"subtitle":2801,"component":183,"textAlign":90,"flexibleSection":2806,"sectionSettings":2807,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":107,"content":2791},[2792],{"type":183,"attrs":2793,"content":2794},{"level":185,"textAlign":25},[2795],{"text":641,"type":116},{"type":107,"content":2797},[2798],{"type":110,"attrs":2799,"content":2800},{"textAlign":25},[],{"type":107,"content":2802},[2803],{"type":110,"attrs":2804,"content":2805},{"textAlign":25},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2120,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614","2026-07-01T14:17:36.219Z",[],"blog/morosidad-facturacion-electronica-b2b",[2817,2818,2819],{"path":2815,"name":25,"lang":37,"published":25},{"path":2815,"name":25,"lang":39,"published":25},{"path":2815,"name":25,"lang":32,"published":25},{"name":2821,"created_at":2822,"published_at":2823,"updated_at":2824,"id":2825,"uuid":2826,"content":2827,"slug":2936,"full_slug":2937,"sort_by_date":25,"position":2938,"tag_list":2939,"is_startpage":28,"parent_id":659,"meta_data":25,"group_id":2940,"first_published_at":2941,"release_id":25,"lang":32,"path":25,"alternates":2942,"default_full_slug":2943,"translated_slugs":2944},"Cómo auditar tu software de facturación para cumplir con VeriFactu antes de 2027","2026-07-01T14:14:31.744Z","2026-07-15T12:54:19.748Z","2026-07-15T12:54:19.813Z",193436351513498,"5b237131-616b-4414-b073-fb957e517c08",{"_uid":2828,"title":2821,"topics":2829,"noIndex":28,"category":2838,"language":2847,"component":516,"heroMedia":2848,"metaTitle":2849,"publishedAt":2850,"readingTime":2712,"redirectUrl":90,"listingImage":2851,"metaDescription":2858,"bottomArticleCta":2859,"componentsAfterTheArticle":2860},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[2830],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2831,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2832,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2833,"default_full_slug":147,"translated_slugs":2834,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2835,2836,2837],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":504,"created_at":505,"published_at":16,"updated_at":506,"id":507,"uuid":508,"content":2839,"slug":516,"full_slug":517,"sort_by_date":25,"position":52,"tag_list":2841,"is_startpage":28,"parent_id":519,"meta_data":25,"group_id":520,"first_published_at":521,"release_id":25,"lang":32,"path":25,"alternates":2842,"default_full_slug":523,"translated_slugs":2843,"_stopResolving":41},{"_uid":510,"icon":2840,"name":504,"component":515},{"id":512,"alt":513,"name":90,"focus":90,"title":90,"filename":514,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2844,2845,2846],{"path":523,"name":25,"lang":37,"published":25},{"path":523,"name":25,"lang":39,"published":25},{"path":523,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[2852],{"_uid":2853,"asset":2854,"caption":90,"component":2580},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":2855,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2856,"copyright":90,"fieldtype":95,"meta_data":2857,"is_external_url":28},198316418782544,"https://a.storyblok.com/f/146026/2752x1536/2644346e19/spendesk_blog_cover_como_auditar_tu_software_verifactu_v2.jpg",{},"Tu software de facturación lleva meses bajo una nueva lupa. Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[2861],{"_uid":2862,"items":2863,"heading":2914,"component":654},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[2864,2874,2884,2894,2904],{"_uid":2865,"title":2866,"component":543,"description":2867},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":107,"content":2868},[2869],{"type":110,"attrs":2870,"content":2871},{"textAlign":25},[2872],{"text":2873,"type":116},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":2875,"title":2876,"component":543,"description":2877},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":2878},[2879],{"type":110,"attrs":2880,"content":2881},{"textAlign":25},[2882],{"text":2883,"type":116},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":2885,"title":2886,"component":543,"description":2887},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":2888},[2889],{"type":110,"attrs":2890,"content":2891},{"textAlign":25},[2892],{"text":2893,"type":116},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":2895,"title":2896,"component":543,"description":2897},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":2898},[2899],{"type":110,"attrs":2900,"content":2901},{"textAlign":25},[2902],{"text":2903,"type":116},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":2905,"title":2906,"component":543,"description":2907},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":2908},[2909],{"type":110,"attrs":2910,"content":2911},{"textAlign":25},[2912],{"text":2913,"type":116},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[2915],{"cta":2916,"_uid":2917,"title":2918,"eyebrow":2924,"subtitle":2929,"component":183,"textAlign":90,"flexibleSection":2934,"sectionSettings":2935,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":2919},[2920],{"type":183,"attrs":2921,"content":2922},{"level":185,"textAlign":25},[2923],{"text":641,"type":116},{"type":107,"content":2925},[2926],{"type":110,"attrs":2927,"content":2928},{"textAlign":25},[],{"type":107,"content":2930},[2931],{"type":110,"attrs":2932,"content":2933},{"textAlign":25},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2110,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[2945,2946,2947],{"path":2943,"name":25,"lang":37,"published":25},{"path":2943,"name":25,"lang":39,"published":25},{"path":2943,"name":25,"lang":32,"published":25},{"name":2949,"created_at":2950,"published_at":2951,"updated_at":2952,"id":2953,"uuid":2954,"content":2955,"slug":3065,"full_slug":3066,"sort_by_date":25,"position":3067,"tag_list":3068,"is_startpage":28,"parent_id":659,"meta_data":25,"group_id":3069,"first_published_at":3070,"release_id":25,"lang":32,"path":25,"alternates":3071,"default_full_slug":3072,"translated_slugs":3073},"Plan de Control Tributario 2026: cómo Hacienda ve ahora todos tus pagos con tarjeta de empresa, y por qué necesitas un justificante de cada gasto","2026-07-01T14:12:27.046Z","2026-07-15T12:53:34.726Z","2026-07-15T12:53:34.749Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":2956,"title":2949,"topics":2957,"noIndex":28,"category":2966,"language":2975,"component":516,"heroMedia":2976,"metaTitle":2977,"publishedAt":2978,"readingTime":2979,"redirectUrl":90,"listingImage":2980,"metaDescription":2987,"bottomArticleCta":2988,"componentsAfterTheArticle":2989},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[2958],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2959,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2960,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2961,"default_full_slug":147,"translated_slugs":2962,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2963,2964,2965],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":504,"created_at":505,"published_at":16,"updated_at":506,"id":507,"uuid":508,"content":2967,"slug":516,"full_slug":517,"sort_by_date":25,"position":52,"tag_list":2969,"is_startpage":28,"parent_id":519,"meta_data":25,"group_id":520,"first_published_at":521,"release_id":25,"lang":32,"path":25,"alternates":2970,"default_full_slug":523,"translated_slugs":2971,"_stopResolving":41},{"_uid":510,"icon":2968,"name":504,"component":515},{"id":512,"alt":513,"name":90,"focus":90,"title":90,"filename":514,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2972,2973,2974],{"path":523,"name":25,"lang":37,"published":25},{"path":523,"name":25,"lang":39,"published":25},{"path":523,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00","13",[2981],{"_uid":2982,"asset":2983,"caption":90,"component":2580},"71b7f715-948b-4a24-8379-000055d9922b",{"id":2984,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2985,"copyright":90,"fieldtype":95,"meta_data":2986,"is_external_url":28},198315334702164,"https://a.storyblok.com/f/146026/2752x1536/dae119ef1b/spendesk_blog_cover_control_tributario.jpg",{},"Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más docume",[],[2990],{"_uid":2991,"items":2992,"heading":3043,"component":654},"392b2cba-2459-4fae-9ca3-82a370a248fc",[2993,3003,3013,3023,3033],{"_uid":2994,"title":2995,"component":543,"description":2996},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":2997},[2998],{"type":110,"attrs":2999,"content":3000},{"textAlign":25},[3001],{"text":3002,"type":116},"A través del Modelo 170, la AEAT recibe datos de todos los cargos, abonos y retiradas de efectivo de tarjetas con operaciones superiores a 25.000 euros anuales. La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":3004,"title":3005,"component":543,"description":3006},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":3007},[3008],{"type":110,"attrs":3009,"content":3010},{"textAlign":25},[3011],{"text":3012,"type":116},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":3014,"title":3015,"component":543,"description":3016},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":3017},[3018],{"type":110,"attrs":3019,"content":3020},{"textAlign":25},[3021],{"text":3022,"type":116},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":3024,"title":3025,"component":543,"description":3026},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":3027},[3028],{"type":110,"attrs":3029,"content":3030},{"textAlign":25},[3031],{"text":3032,"type":116},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":3034,"title":3035,"component":543,"description":3036},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":3037},[3038],{"type":110,"attrs":3039,"content":3040},{"textAlign":25},[3041],{"text":3042,"type":116},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la empresa.",[3044],{"cta":3045,"_uid":3046,"title":3047,"eyebrow":3053,"subtitle":3058,"component":183,"textAlign":90,"flexibleSection":3063,"sectionSettings":3064,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":3048},[3049],{"type":183,"attrs":3050,"content":3051},{"level":185,"textAlign":25},[3052],{"text":641,"type":116},{"type":107,"content":3054},[3055],{"type":110,"attrs":3056,"content":3057},{"textAlign":25},[],{"type":107,"content":3059},[3060],{"type":110,"attrs":3061,"content":3062},{"textAlign":25},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2100,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[3074,3075,3076],{"path":3072,"name":25,"lang":37,"published":25},{"path":3072,"name":25,"lang":39,"published":25},{"path":3072,"name":25,"lang":32,"published":25},{"name":3078,"created_at":3079,"published_at":3080,"updated_at":3081,"id":3082,"uuid":3083,"content":3084,"slug":3203,"full_slug":3204,"sort_by_date":25,"position":3205,"tag_list":3206,"is_startpage":28,"parent_id":659,"meta_data":25,"group_id":3207,"first_published_at":3208,"release_id":25,"lang":32,"path":25,"alternates":3209,"default_full_slug":3210,"translated_slugs":3211},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean rechazadas","2026-07-01T14:07:18.239Z","2026-07-15T12:59:16.664Z","2026-07-15T12:59:16.683Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":3085,"title":3078,"topics":3086,"noIndex":28,"category":3095,"language":3104,"component":516,"heroMedia":3105,"metaTitle":3106,"publishedAt":3107,"readingTime":2328,"redirectUrl":90,"listingImage":3108,"metaDescription":3115,"bottomArticleCta":3116,"componentsAfterTheArticle":3117},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[3087],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3088,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3089,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3090,"default_full_slug":147,"translated_slugs":3091,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3092,3093,3094],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":504,"created_at":505,"published_at":16,"updated_at":506,"id":507,"uuid":508,"content":3096,"slug":516,"full_slug":517,"sort_by_date":25,"position":52,"tag_list":3098,"is_startpage":28,"parent_id":519,"meta_data":25,"group_id":520,"first_published_at":521,"release_id":25,"lang":32,"path":25,"alternates":3099,"default_full_slug":523,"translated_slugs":3100,"_stopResolving":41},{"_uid":510,"icon":3097,"name":504,"component":515},{"id":512,"alt":513,"name":90,"focus":90,"title":90,"filename":514,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3101,3102,3103],{"path":523,"name":25,"lang":37,"published":25},{"path":523,"name":25,"lang":39,"published":25},{"path":523,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[3109],{"_uid":3110,"asset":3111,"caption":90,"component":2580},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":3112,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3113,"copyright":90,"fieldtype":95,"meta_data":3114,"is_external_url":28},198319305373653,"https://a.storyblok.com/f/146026/2752x1536/bdeb93bf48/spendesk_blog_cover_sepa_pagos.jpg",{},"Desde octubre de 2025, cada transferencia SEPA que sale de tu empresa pasa por un control automático: la verificación del beneficiario. Si el nombre del titular",[],[3118],{"_uid":3119,"items":3120,"heading":3181,"component":654},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[3121,3131,3141,3151,3161,3171],{"_uid":3122,"title":3123,"component":543,"description":3124},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":3125},[3126],{"type":110,"attrs":3127,"content":3128},{"textAlign":25},[3129],{"text":3130,"type":116},"El banco emisor muestra una alerta antes de ejecutar la transferencia. Puedes optar por continuar, pero si la operación resulta fraudulenta, asumes la responsabilidad y el banco puede negarse a reembolsarte.",{"_uid":3132,"title":3133,"component":543,"description":3134},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":3135},[3136],{"type":110,"attrs":3137,"content":3138},{"textAlign":25},[3139],{"text":3140,"type":116},"Sí. Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":3142,"title":3143,"component":543,"description":3144},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":3145},[3146],{"type":110,"attrs":3147,"content":3148},{"textAlign":25},[3149],{"text":3150,"type":116},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":3152,"title":3153,"component":543,"description":3154},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":3155},[3156],{"type":110,"attrs":3157,"content":3158},{"textAlign":25},[3159],{"text":3160,"type":116},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":3162,"title":3163,"component":543,"description":3164},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":3165},[3166],{"type":110,"attrs":3167,"content":3168},{"textAlign":25},[3169],{"text":3170,"type":116},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. 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Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":3288,"title":3289,"component":543,"description":3290},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":3291},[3292],{"type":110,"attrs":3293,"content":3294},{"textAlign":25},[3295],{"text":3296,"type":116},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":3298,"title":3299,"component":543,"description":3300},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":107,"content":3301},[3302],{"type":110,"attrs":3303,"content":3304},{"textAlign":25},[3305],{"text":3306,"type":116},"Contasol permite importar extractos bancarios y compararlos con asientos contables. 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Guía paso a paso para equipos financieros.",[],[3800],{"_uid":3801,"items":3802,"heading":963,"component":654},"d437e15a-ca83-40ff-962f-928bbc083496",[3803,3821,3831,3841,3851],{"_uid":3804,"title":3805,"component":543,"description":3806},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3807},[3808],{"type":110,"attrs":3809,"content":3810},{"textAlign":25},[3811,3813,3819],{"text":3812,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3814,"type":116,"marks":3815},"Ley 15/2010",[3816],{"type":203,"attrs":3817},{"href":3818,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3820,"type":116},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":3822,"title":3823,"component":543,"description":3824},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3825},[3826],{"type":110,"attrs":3827,"content":3828},{"textAlign":25},[3829],{"text":3830,"type":116},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":3832,"title":3833,"component":543,"description":3834},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3835},[3836],{"type":110,"attrs":3837,"content":3838},{"textAlign":25},[3839],{"text":3840,"type":116},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":3842,"title":3843,"component":543,"description":3844},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3845},[3846],{"type":110,"attrs":3847,"content":3848},{"textAlign":25},[3849],{"text":3850,"type":116},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":3852,"title":3853,"component":543,"description":3854},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3855},[3856],{"type":110,"attrs":3857,"content":3858},{"textAlign":25},[3859,3861,3867,3869,3875],{"text":3860,"type":116},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":3862,"type":116,"marks":3863},"conciliación",[3864],{"type":203,"attrs":3865},{"href":3866,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":3868,"type":116},"), 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":3870,"type":116,"marks":3871},"visita spendesk.com/es/",[3872],{"type":203,"attrs":3873},{"href":3874,"uuid":25,"anchor":25,"target":206,"linktype":98},"https://www.spendesk.com/es/",{"text":502,"type":116},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1730,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02","2026-06-02T11:11:52.472Z",[],"blog/calculo-periodo-medio-pago-proveedores",[3885,3886,3887],{"path":3883,"name":25,"lang":37,"published":25},{"path":3883,"name":25,"lang":39,"published":25},{"path":3883,"name":25,"lang":32,"published":25},{"name":3889,"created_at":3890,"published_at":3891,"updated_at":3892,"id":3893,"uuid":3894,"content":3895,"slug":4010,"full_slug":4011,"sort_by_date":25,"position":4012,"tag_list":4013,"is_startpage":28,"parent_id":659,"meta_data":25,"group_id":4014,"first_published_at":4015,"release_id":25,"lang":32,"path":25,"alternates":4016,"default_full_slug":4017,"translated_slugs":4018},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos prácticos","2026-06-02T11:10:02.127Z","2026-07-15T12:15:25.022Z","2026-07-24T13:16:25.104Z",183128072765908,"67e9d807-0f4a-4d91-9316-34ba5bf618ce",{"_uid":3896,"title":3889,"topics":3897,"noIndex":28,"category":3914,"language":3923,"component":516,"heroMedia":3924,"metaTitle":3925,"publishedAt":3926,"readingTime":532,"redirectUrl":90,"listingImage":3927,"metaDescription":3934,"bottomArticleCta":3935,"componentsAfterTheArticle":3936},"c037fbcf-4158-4dad-96d1-4603185c9798",[3898,3906],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3899,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3900,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3901,"default_full_slug":147,"translated_slugs":3902,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3903,3904,3905],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":153,"created_at":154,"published_at":16,"updated_at":155,"id":156,"uuid":157,"content":3907,"slug":159,"full_slug":160,"sort_by_date":25,"position":141,"tag_list":3908,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":162,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3909,"default_full_slug":164,"translated_slugs":3910,"_stopResolving":41},{"_uid":138,"name":153,"component":22},[],[],[3911,3912,3913],{"path":164,"name":25,"lang":37,"published":25},{"path":164,"name":25,"lang":39,"published":25},{"path":164,"name":25,"lang":32,"published":25},{"name":504,"created_at":505,"published_at":16,"updated_at":506,"id":507,"uuid":508,"content":3915,"slug":516,"full_slug":517,"sort_by_date":25,"position":52,"tag_list":3917,"is_startpage":28,"parent_id":519,"meta_data":25,"group_id":520,"first_published_at":521,"release_id":25,"lang":32,"path":25,"alternates":3918,"default_full_slug":523,"translated_slugs":3919,"_stopResolving":41},{"_uid":510,"icon":3916,"name":504,"component":515},{"id":512,"alt":513,"name":90,"focus":90,"title":90,"filename":514,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3920,3921,3922],{"path":523,"name":25,"lang":37,"published":25},{"path":523,"name":25,"lang":39,"published":25},{"path":523,"name":25,"lang":32,"published":25},[32],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[3928],{"_uid":3929,"asset":3930,"caption":90,"component":2580},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":3931,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3932,"copyright":90,"fieldtype":95,"meta_data":3933,"is_external_url":28},198047324595677,"https://a.storyblok.com/f/146026/2752x1536/11fd6b63a0/spendesk_blog_cover_anticipo_proveedores.jpg",{},"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[3937],{"_uid":3938,"items":3939,"heading":963,"component":654},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3940,3950,3960,3970,3980,3990,4000],{"_uid":3941,"title":3942,"component":543,"description":3943},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":3944},[3945],{"type":110,"attrs":3946,"content":3947},{"textAlign":25},[3948],{"text":3949,"type":116},"El anticipo a proveedores es activo corriente, ya que se espera liquidar dentro del ciclo normal de explotación, inferior a 12 meses en la mayoría de las operaciones comerciales.",{"_uid":3951,"title":3952,"component":543,"description":3953},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":3954},[3955],{"type":110,"attrs":3956,"content":3957},{"textAlign":25},[3958],{"text":3959,"type":116},"Sí. El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":3961,"title":3962,"component":543,"description":3963},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3964},[3965],{"type":110,"attrs":3966,"content":3967},{"textAlign":25},[3968],{"text":3969,"type":116},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":3971,"title":3972,"component":543,"description":3973},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3974},[3975],{"type":110,"attrs":3976,"content":3977},{"textAlign":25},[3978],{"text":3979,"type":116},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":3981,"title":3982,"component":543,"description":3983},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3984},[3985],{"type":110,"attrs":3986,"content":3987},{"textAlign":25},[3988],{"text":3989,"type":116},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":3991,"title":3992,"component":543,"description":3993},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3994},[3995],{"type":110,"attrs":3996,"content":3997},{"textAlign":25},[3998],{"text":3999,"type":116},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":4001,"title":4002,"component":543,"description":4003},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":4004},[4005],{"type":110,"attrs":4006,"content":4007},{"textAlign":25},[4008],{"text":4009,"type":116},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1710,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[4019,4020,4021],{"path":4017,"name":25,"lang":37,"published":25},{"path":4017,"name":25,"lang":39,"published":25},{"path":4017,"name":25,"lang":32,"published":25},{"name":4023,"created_at":4024,"published_at":4025,"updated_at":4026,"id":4027,"uuid":4028,"content":4029,"slug":4124,"full_slug":4125,"sort_by_date":25,"position":4126,"tag_list":4127,"is_startpage":28,"parent_id":659,"meta_data":25,"group_id":4128,"first_published_at":4129,"release_id":25,"lang":32,"path":25,"alternates":4130,"default_full_slug":4131,"translated_slugs":4132},"Ley Crea y Crece: plazos, requisitos y pasos para cumplir con la factura electrónica obligatoria","2026-06-02T11:09:18.499Z","2026-07-15T12:07:42.594Z","2026-07-24T12:31:34.749Z",183127894073824,"ceb5242e-7821-4046-a9fe-36191d9c08ac",{"_uid":4030,"title":4023,"topics":4031,"noIndex":28,"category":4048,"language":4057,"component":516,"heroMedia":4058,"metaTitle":4059,"publishedAt":4060,"readingTime":532,"redirectUrl":90,"listingImage":4061,"metaDescription":4068,"bottomArticleCta":4069,"componentsAfterTheArticle":4070},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[4032,4040],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4033,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4034,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4035,"default_full_slug":147,"translated_slugs":4036,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4037,4038,4039],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":153,"created_at":154,"published_at":16,"updated_at":155,"id":156,"uuid":157,"content":4041,"slug":159,"full_slug":160,"sort_by_date":25,"position":141,"tag_list":4042,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":162,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4043,"default_full_slug":164,"translated_slugs":4044,"_stopResolving":41},{"_uid":138,"name":153,"component":22},[],[],[4045,4046,4047],{"path":164,"name":25,"lang":37,"published":25},{"path":164,"name":25,"lang":39,"published":25},{"path":164,"name":25,"lang":32,"published":25},{"name":504,"created_at":505,"published_at":16,"updated_at":506,"id":507,"uuid":508,"content":4049,"slug":516,"full_slug":517,"sort_by_date":25,"position":52,"tag_list":4051,"is_startpage":28,"parent_id":519,"meta_data":25,"group_id":520,"first_published_at":521,"release_id":25,"lang":32,"path":25,"alternates":4052,"default_full_slug":523,"translated_slugs":4053,"_stopResolving":41},{"_uid":510,"icon":4050,"name":504,"component":515},{"id":512,"alt":513,"name":90,"focus":90,"title":90,"filename":514,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4054,4055,4056],{"path":523,"name":25,"lang":37,"published":25},{"path":523,"name":25,"lang":39,"published":25},{"path":523,"name":25,"lang":32,"published":25},[32],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co","2026-04-23 00:00",[4062],{"_uid":4063,"asset":4064,"caption":90,"component":2580},"4fe17535-01b6-4bff-824b-48b60abdd21e",{"id":4065,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4066,"copyright":90,"fieldtype":95,"meta_data":4067,"is_external_url":28},198046573614420,"https://a.storyblok.com/f/146026/2752x1536/730e5385e7/spendesk_blog_cover_ley_crea_crece.jpg",{},"El RD 238/2026 fija los plazos de la factura electrónica obligatoria en España. Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[4071],{"_uid":4072,"items":4073,"heading":963,"component":654},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[4074,4084,4094,4104,4114],{"_uid":4075,"title":4076,"component":543,"description":4077},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":4078},[4079],{"type":110,"attrs":4080,"content":4081},{"textAlign":25},[4082],{"text":4083,"type":116},"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":4085,"title":4086,"component":543,"description":4087},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":4088},[4089],{"type":110,"attrs":4090,"content":4091},{"textAlign":25},[4092],{"text":4093,"type":116},"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":4095,"title":4096,"component":543,"description":4097},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":4098},[4099],{"type":110,"attrs":4100,"content":4101},{"textAlign":25},[4102],{"text":4103,"type":116},"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":4105,"title":4106,"component":543,"description":4107},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":4108},[4109],{"type":110,"attrs":4110,"content":4111},{"textAlign":25},[4112],{"text":4113,"type":116},"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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