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Cuando tu empresa paga a un",{"text":190,"type":116,"marks":191}," proveedor extranjero",[192],{"type":193,"attrs":194},"link",{"href":195,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/","_blank",{"text":198,"type":116}," por un servicio vinculado a España, ese pago puede constituir una renta sujeta al IRNR. 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Tu equipo va a pagar a un desarrollador freelance establecido en Lisboa y, al revisar la factura, descubre que ese pago activa una obligación de retención en España que nadie había previsto en el presupuesto del proyecto.",{"type":177,"attrs":242,"content":243},{"level":179,"textAlign":25},[244],{"text":245,"type":116},"El Modelo 210 para no residentes frente a los Modelos 216 y 296",{"type":110,"attrs":247,"content":249},{"textAlign":25,"key":248},"p-5",[250,252,258],{"text":251,"type":116},"El error más común es pensar que tu empresa debe presentar el Modelo 210. No es así. El",{"text":253,"type":116,"marks":254}," Modelo 210",[255],{"type":193,"attrs":256},{"href":257,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/GF00.shtml",{"text":259,"type":116}," es la autoliquidación del propio no residente, o de su representante, mediante la que declara la renta obtenida en España. Cuando se habla del Modelo 210 para no residentes, se hace referencia a la declaración que corresponde al proveedor, no a tu empresa.",{"type":110,"attrs":261,"content":263},{"textAlign":25,"key":262},"p-6",[264,266,272],{"text":265,"type":116},"Para el pagador, el formulario es otro. El",{"text":267,"type":116,"marks":268}," Modelo 216",[269],{"type":193,"attrs":270},{"href":271,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/retenciones-irnr-sin-establecimiento-permanente/modelo-216.html",{"text":273,"type":116}," es la declaración periódica mediante la que la empresa ingresa en la AEAT las retenciones practicadas. El Modelo 296 es el resumen anual informativo en el que se relacionan todos los perceptores y las cantidades retenidas durante el ejercicio.",{"type":110,"attrs":275,"content":277},{"textAlign":25,"key":276},"p-7",[278],{"text":279,"type":116},"Estos formularios se confunden a menudo en búsquedas como «IRNR Modelo 210» o «Modelo 210 IRNR», pero cumplen funciones distintas: el Modelo 216 y el Modelo 296 corresponden al pagador, mientras que el Modelo 210 corresponde al perceptor. Cuando la empresa retiene correctamente, el no residente, por lo general, no tiene que presentar el Modelo 210 por esa renta, porque el impuesto ya se ha ingresado mediante la retención.",{"type":110,"attrs":281,"content":283},{"textAlign":25,"key":282},"p-8",[284],{"text":285,"type":116},"Para tu empresa como pagadora, el Modelo 210 solo entra en juego para solicitar una devolución. Si has retenido de más, por ejemplo, al aplicar el tipo interno antes de que el proveedor aportara su certificado de residencia, ese exceso se recupera a través del Modelo 210.",{"type":110,"attrs":287,"content":289},{"textAlign":25,"key":288},"p-9",[290],{"text":291,"type":116},"Es el caso de una contable que está a punto de presentar un Modelo 210 a nombre de su empresa por los honorarios de una agencia extranjera, hasta que confirma que el formulario para ingresar la retención es el Modelo 216.",{"type":177,"attrs":293,"content":294},{"level":179,"textAlign":25},[295],{"text":296,"type":116},"Pagos a proveedores no residentes sujetos a retención",{"type":110,"attrs":298,"content":299},{"textAlign":25,"key":112},[300],{"text":301,"type":116},"No todos los pagos a un proveedor extranjero están sujetos a retención. La clave está en el criterio de territorialidad: la renta debe considerarse obtenida en España. 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Al resto de contribuyentes, incluido Liechtenstein desde el 11 de julio de 2021, se les aplica el 24 %. Los servicios profesionales no tienen un tipo específico, sino que siguen el tipo general.",{"type":110,"attrs":555,"content":557},{"textAlign":25,"key":556},"p-27",[558,560,566],{"text":559,"type":116},"Un Convenio de Doble Imposición (CDI) puede reducir estos tipos, y algunas directivas europeas permiten aplicar una",{"text":561,"type":116,"marks":562}," exención",[563],{"type":193,"attrs":564},{"href":565,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/rentas-exentas-irnr-sin-establecimiento-permanente.html",{"text":567,"type":116},". Los cánones entre empresas asociadas de la UE pueden quedar exentos, con un tipo del 0 %, conforme al artículo 14.1.m de la LIRNR y a la Directiva 2003/49/CE. Los dividendos de una filial española a su matriz en la UE o el EEE también pueden quedar exentos, de acuerdo con el artículo 14.1.h de la LIRNR y la Directiva 2011/96/UE. Lo mismo sucede con los intereses satisfechos a residentes en la UE o el EEE, conforme al artículo 14.1.c de la LIRNR. Todas las exenciones están condicionadas, por lo que debes verificarlas caso por caso.",{"type":110,"attrs":569,"content":571},{"textAlign":25,"key":570},"p-28",[572],{"text":573,"type":116},"En la práctica, esto significa aplicar el 24 % a los honorarios de una agencia con sede en Estados Unidos y el 19 % a los de una agencia alemana por el mismo servicio.",{"type":110,"attrs":575,"content":577},{"textAlign":25,"key":576},"p-29",[578,580,586],{"text":579,"type":116},"Cuidado con los pactos en neto. Si acuerdas un importe neto con el proveedor, el",{"text":581,"type":116,"marks":582}," artículo 31.2 de la Ley del Impuesto sobre la Renta de no Residentes",[583],{"type":193,"attrs":584},{"href":585,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/manual-tributacion-no-residentes/capitulo-04-retenciones-sobre-rentas-permanente/importe-retencion.html",{"text":587,"type":116}," exige que la retención equivalga a la deuda tributaria completa. Por eso, la base debe ser el importe íntegro, no el neto. Como consecuencia aritmética de esta regla, un honorario neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €, con una retención de 3.157,89 €. Este resultado no procede de una fórmula específica de la normativa, sino del cálculo aritmético de elevar el importe neto a su base íntegra.",{"type":177,"attrs":589,"content":590},{"level":179,"textAlign":25},[591],{"text":592,"type":116},"Documentos que necesita la empresa para retener e ingresar el IRNR",{"type":177,"attrs":594,"content":596},{"level":595,"textAlign":25},3,[597],{"text":598,"type":116},"Documentación previa al pago",{"type":110,"attrs":600,"content":602},{"textAlign":25,"key":601},"p-30",[603],{"text":604,"type":116},"Retener correctamente exige contar con un expediente por cada pago. Sin la documentación adecuada no puedes aplicar un tipo reducido y, si lo aplicas sin justificarlo y posteriormente se rechaza, la responsabilidad recae sobre ti. Reúne estos documentos antes de pagar:",{"type":303,"content":606},[607,615,623,637],{"type":306,"content":608},[609],{"type":110,"attrs":610,"content":612},{"textAlign":25,"key":611},"p-31",[613],{"text":614,"type":116},"Contrato o pedido que respalde la operación.",{"type":306,"content":616},[617],{"type":110,"attrs":618,"content":620},{"textAlign":25,"key":619},"p-32",[621],{"text":622,"type":116},"Factura del proveedor no residente.",{"type":306,"content":624},[625],{"type":110,"attrs":626,"content":628},{"textAlign":25,"key":627},"p-33",[629,635],{"text":630,"type":116,"marks":631},"Certificado de residencia fiscal",[632],{"type":193,"attrs":633},{"href":634,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/manual-tributacion-no-residentes/capitulo-04-retenciones-sobre-rentas-permanente/documentacion.html",{"text":636,"type":116}," emitido por la autoridad del país del proveedor, en el que conste la residencia «en el sentido del Convenio».",{"type":306,"content":638},[639],{"type":110,"attrs":640,"content":642},{"textAlign":25,"key":641},"p-34",[643],{"text":644,"type":116},"Documentación del CDI aplicable.",{"type":110,"attrs":646,"content":648},{"textAlign":25,"key":647},"p-35",[649],{"text":650,"type":116},"El certificado de residencia fiscal es la pieza clave. Tiene una validez de un año desde su expedición y es indefinido cuando lo emiten Estados extranjeros para sus propios entes públicos. Sin un certificado válido, se aplica el tipo interno. Si vas a aplicar el 19 % en lugar del 24 %, obtén el certificado antes de practicar la retención, no después.",{"type":110,"attrs":652,"content":654},{"textAlign":25,"key":653},"p-36",[655,657,663],{"text":656,"type":116},"Aquí es donde centralizar las",{"text":658,"type":116,"marks":659}," facturas de proveedores y su documentación de soporte",[660],{"type":193,"attrs":661},{"href":662,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":664,"type":116}," marca la diferencia. Con la gestión de facturas y cuentas por pagar de Spendesk, tu equipo adjunta el certificado y el contrato a cada pago e identifica qué facturas están dentro del perímetro del IRNR, en lugar de reconstruir el histórico de pagos al cierre del trimestre.",{"type":177,"attrs":666,"content":667},{"level":595,"textAlign":25},[668],{"text":669,"type":116},"Documentación para el ingreso y la conservación",{"type":110,"attrs":671,"content":673},{"textAlign":25,"key":672},"p-37",[674],{"text":675,"type":116},"Después de practicar la retención, completa el expediente con la documentación que respalda el ingreso ante la AEAT:",{"type":303,"content":677},[678,686],{"type":306,"content":679},[680],{"type":110,"attrs":681,"content":683},{"textAlign":25,"key":682},"p-38",[684],{"text":685,"type":116},"Cálculo de la base y de la retención practicada.",{"type":306,"content":687},[688],{"type":110,"attrs":689,"content":691},{"textAlign":25,"key":690},"p-39",[692],{"text":693,"type":116},"Justificante del ingreso en la AEAT.",{"type":110,"attrs":695,"content":697},{"textAlign":25,"key":696},"p-40",[698,700,706,708,714],{"text":699,"type":116},"En cuanto a la conservación, guarda el expediente durante cuatro años por el",{"text":701,"type":116,"marks":702}," plazo fiscal",[703],{"type":193,"attrs":704},{"href":705,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2003-23186",{"text":707,"type":116}," y durante seis años por el",{"text":709,"type":116,"marks":710}," Código de Comercio",[711],{"type":193,"attrs":712},{"href":713,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-1885-6627",{"text":346,"type":116},{"type":177,"attrs":716,"content":717},{"level":179,"textAlign":25},[718],{"text":719,"type":116},"Presentación del Modelo 216 y del resumen anual, Modelo 296",{"type":110,"attrs":721,"content":723},{"textAlign":25,"key":722},"p-41",[724],{"text":725,"type":116},"Una vez calculada la retención, la declaración sigue una secuencia clara y completamente electrónica:",{"type":727,"content":728},"ordered_list",[729,737,745,753,769],{"type":306,"content":730},[731],{"type":110,"attrs":732,"content":734},{"textAlign":25,"key":733},"p-42",[735],{"text":736,"type":116},"Identifica las facturas del período que están sujetas a retención.",{"type":306,"content":738},[739],{"type":110,"attrs":740,"content":742},{"textAlign":25,"key":741},"p-43",[743],{"text":744,"type":116},"Determina el tipo aplicable o la exención con la documentación en la mano.",{"type":306,"content":746},[747],{"type":110,"attrs":748,"content":750},{"textAlign":25,"key":749},"p-44",[751],{"text":752,"type":116},"Calcula la base íntegra y la retención correspondiente a cada pago.",{"type":306,"content":754},[755],{"type":110,"attrs":756,"content":758},{"textAlign":25,"key":757},"p-45",[759,761,767],{"text":760,"type":116},"Presenta el",{"text":762,"type":116,"marks":763}," Modelo 216 por vía electrónica",[764],{"type":193,"attrs":765},{"href":766,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/retenciones-irnr-sin-establecimiento-permanente/modelos-declaraciones-retenciones.html",{"text":768,"type":116}," dentro de los primeros 20 días naturales de abril, julio, octubre y enero.",{"type":306,"content":770},[771],{"type":110,"attrs":772,"content":774},{"textAlign":25,"key":773},"p-46",[775],{"text":776,"type":116},"Presenta el Modelo 296 entre el 1 y el 31 de enero, referido al año natural anterior.",{"type":110,"attrs":778,"content":780},{"textAlign":25,"key":779},"p-47",[781,783,789],{"text":782,"type":116},"El Modelo 216 se presenta por trimestres. Las grandes empresas lo declaran mensualmente, dentro de los primeros 20 días del mes siguiente. Hay un detalle que a menudo se pasa por alto: aunque un CDI deje la retención en cero, sigues obligado a presentar un Modelo 216 negativo y a incluir al perceptor en el Modelo 296. Todo encaja mejor si estos plazos ya figuran en tu",{"text":784,"type":116,"marks":785}," calendario del año fiscal",[786],{"type":193,"attrs":787},{"href":788,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.spendesk.com/es/blog/ano-fiscal/",{"text":790,"type":116},". Los importes se declaran en euros y, para realizar la conversión, conviene seguir las indicaciones oficiales de la AEAT.",{"type":110,"attrs":792,"content":794},{"textAlign":25,"key":793},"p-48",[795,797,803],{"text":796,"type":116},"Toda esta secuencia depende de saber, antes de cada período, qué pagos transfronterizos han entrado en el perímetro. Cuando los pagos internacionales a proveedores están centralizados y Spendesk los cursa a través de Wise Platform en más de 30 divisas, tu equipo puede identificar con antelación qué facturas están sujetas a retención. Es justo lo que necesita un responsable de administración que prepara el Modelo 216 del primer trimestre durante los primeros días de abril. Así evita sorpresas de última hora durante el",{"text":798,"type":116,"marks":799}," cierre de mes",[800],{"type":193,"attrs":801},{"href":802,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":346,"type":116},{"type":177,"attrs":805,"content":806},{"level":179,"textAlign":25},[807],{"text":808,"type":116},"Errores frecuentes y sanciones al retener el IRNR",{"type":110,"attrs":810,"content":812},{"textAlign":25,"key":811},"p-49",[813],{"text":814,"type":116},"Los fallos más costosos al practicar retenciones del IRNR se pueden evitar. Estos son los que la AEAT detecta con más frecuencia.",{"type":110,"attrs":816,"content":818},{"textAlign":25,"key":817},"p-50",[819,823],{"text":820,"type":116,"marks":821},"Pagar el importe íntegro sin retener.",[822],{"type":388},{"text":824,"type":116}," Si abonas el importe bruto y no ingresas la retención, sigues siendo responsable de esa cantidad, que tendrás que asumir mediante el cálculo sobre el importe íntegro.",{"type":110,"attrs":826,"content":828},{"textAlign":25,"key":827},"p-51",[829,833,835,841],{"text":830,"type":116,"marks":831},"Aplicar un tipo reducido sin un certificado válido.",[832],{"type":388},{"text":834,"type":116}," Si aplicas el 19 % amparándote en un convenio y no puedes acreditar la residencia del proveedor, la AEAT puede regularizar la operación. El",{"text":836,"type":116,"marks":837}," retenedor responde de forma directa",[838],{"type":193,"attrs":839},{"href":840,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/representacion-responsabilidad-solidaria-irnr/retenedores-responsabilidad-solidaria.html",{"text":842,"type":116}," como obligado a retener, no como responsable solidario.",{"type":110,"attrs":844,"content":846},{"textAlign":25,"key":845},"p-52",[847,851],{"text":848,"type":116,"marks":849},"Otro error frecuente es confundir el tipo aplicable a residentes en la UE con el de los residentes fuera de la UE, u olvidar la declaración negativa o el Modelo 296.",[850],{"type":388},{"text":852,"type":116}," Estos fallos formales también pueden activar el régimen sancionador.",{"type":110,"attrs":854,"content":856},{"textAlign":25,"key":855},"p-53",[857,859,865],{"text":858,"type":116},"El escenario típico llega meses después: la AEAT revisa una exención por convenio, la rechaza por falta de documentación y reclama a la empresa las cantidades no retenidas, además de los intereses y la sanción correspondiente. 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Las retenciones de alquileres se declaran mediante el",{"text":2775,"type":116,"marks":2776}," Modelo 115",[2777],{"type":193,"attrs":2778},{"href":2779,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":2781,"type":116}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":2783,"type":116,"marks":2784}," Modelo 130",[2785],{"type":193,"attrs":2786},{"href":2787,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":346,"type":116},{"_uid":2790,"title":2791,"component":907,"description":2792},"54c24f66-8398-45fd-8550-e6bdf876480e","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":107,"content":2793},[2794],{"type":110,"attrs":2795,"content":2796},{"textAlign":25},[2797,2799,2805],{"text":2798,"type":116},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":2800,"type":116,"marks":2801}," Modelo 111, en casillas separadas",[2802],{"type":193,"attrs":2803},{"href":2804,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":2806,"type":116},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":2808,"title":2809,"component":907,"description":2810},"4dbaa916-c479-4c0d-b27e-82ba5aaec004","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":107,"content":2811},[2812],{"type":110,"attrs":2813,"content":2814},{"textAlign":25},[2815],{"text":2816,"type":116},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":2818,"title":2819,"component":907,"description":2820},"add51613-1974-4f48-b3b4-2c4eb7330759","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":107,"content":2821},[2822],{"type":110,"attrs":2823,"content":2824},{"textAlign":25},[2825],{"text":2826,"type":116},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":2828,"title":2829,"component":907,"description":2830},"6e6c7128-a4b3-4652-9340-46276fc41f1e","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":107,"content":2831},[2832],{"type":110,"attrs":2833,"content":2834},{"textAlign":25},[2835],{"text":2836,"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":2838,"title":2839,"component":907,"description":2840},"1690dae5-8eb5-4727-bf13-b094c0f64d59","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":107,"content":2841},[2842],{"type":110,"attrs":2843,"content":2844},{"textAlign":25},[2845],{"text":2846,"type":116},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad. ## Deja lista la base de tu próximo Modelo 111 antes del cierre Reúne las facturas de proveedores y sus retenciones a medida que llegan, en lugar de reconstruir la base cuando se acerque el plazo de la AEAT. Solicita una demostración y comprueba cómo llegar a cada trimestre con el Modelo 111 ya cuadrado.",[2848],{"cta":2849,"_uid":2850,"title":2851,"eyebrow":2857,"subtitle":2862,"component":177,"textAlign":90,"flexibleSection":2867,"sectionSettings":2868,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"bf67b7e0-5e7d-4751-98b7-74152f4394e0",{"type":107,"content":2852},[2853],{"type":177,"attrs":2854,"content":2855},{"level":179,"textAlign":25},[2856],{"text":965,"type":116},{"type":107,"content":2858},[2859],{"type":110,"attrs":2860,"content":2861},{"textAlign":25},[],{"type":107,"content":2863},[2864],{"type":110,"attrs":2865,"content":2866},{"textAlign":25},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2350,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7",[],"blog/modelo-111-irpf-retenciones",[2877,2878,2879],{"path":2875,"name":25,"lang":37,"published":25},{"path":2875,"name":25,"lang":39,"published":25},{"path":2875,"name":25,"lang":32,"published":25},{"name":2881,"created_at":2882,"published_at":2883,"updated_at":2884,"id":2885,"uuid":2886,"content":2887,"slug":3006,"full_slug":3007,"sort_by_date":25,"position":3008,"tag_list":3009,"is_startpage":28,"parent_id":983,"meta_data":25,"group_id":3010,"first_published_at":3011,"release_id":25,"lang":32,"path":25,"alternates":3012,"default_full_slug":3013,"translated_slugs":3014},"VeriFactu obliga a todas las empresas españolas desde 2027: guía para adaptar su software","2026-07-02T11:12:59.403Z","2026-07-15T08:16:43.808Z","2026-07-27T09:08:57.995Z",193745630893250,"ce78448b-8771-4c18-9a35-8bb164c3a7d4",{"_uid":2888,"title":2881,"topics":2889,"noIndex":28,"category":2898,"language":2907,"component":880,"heroMedia":2908,"metaTitle":2909,"publishedAt":90,"readingTime":2748,"redirectUrl":90,"listingImage":2910,"metaDescription":2918,"bottomArticleCta":2919,"componentsAfterTheArticle":2920},"76408526-eb7e-480d-9298-165ef7536a41",[2890],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2891,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2892,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2893,"default_full_slug":147,"translated_slugs":2894,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2895,2896,2897],{"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":868,"created_at":869,"published_at":16,"updated_at":870,"id":871,"uuid":872,"content":2899,"slug":880,"full_slug":881,"sort_by_date":25,"position":52,"tag_list":2901,"is_startpage":28,"parent_id":883,"meta_data":25,"group_id":884,"first_published_at":885,"release_id":25,"lang":32,"path":25,"alternates":2902,"default_full_slug":887,"translated_slugs":2903,"_stopResolving":41},{"_uid":874,"icon":2900,"name":868,"component":879},{"id":876,"alt":877,"name":90,"focus":90,"title":90,"filename":878,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2904,2905,2906],{"path":887,"name":25,"lang":37,"published":25},{"path":887,"name":25,"lang":39,"published":25},{"path":887,"name":25,"lang":32,"published":25},[32],[],"VeriFactu obliga a todas las empresas españolas desde 2027: ",[2911],{"_uid":2912,"asset":2913,"caption":90,"component":2917},"52586025-c336-4774-a8c5-c57f25f5c4a6",{"id":2914,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2915,"copyright":90,"fieldtype":95,"meta_data":2916,"is_external_url":28},198300667442794,"https://a.storyblok.com/f/146026/2752x1536/9eac618dac/spendesk_blog_cover_verifactu.jpg",{},"image","El 1 de enero de 2027, toda empresa y autónomo en territorio común deberá usar software de facturación certificado por la AEAT bajo VeriFactu, y el coste de ign",[],[2921],{"_uid":2922,"items":2923,"heading":2984,"component":978},"6221f5fe-5233-4732-a676-7ada5b311e94",[2924,2934,2944,2954,2964,2974],{"_uid":2925,"title":2926,"component":907,"description":2927},"4acb6789-7630-4509-a73d-4e8e0bccd29a","¿A qué empresas obliga VeriFactu y desde cuándo entra en vigor?",{"type":107,"content":2928},[2929],{"type":110,"attrs":2930,"content":2931},{"textAlign":25},[2932],{"text":2933,"type":116},"VeriFactu obliga a todos los obligados tributarios (empresas y autónomos) en territorio común desde el 1 de enero de 2027. El País Vasco aplica TicketBAI, que ya está activo, y Navarra dispone de su propia normativa.",{"_uid":2935,"title":2936,"component":907,"description":2937},"8bec3011-a63e-4ae7-aa86-1c9bdfe0065c","¿En qué se diferencia VeriFactu de la factura electrónica obligatoria?",{"type":107,"content":2938},[2939],{"type":110,"attrs":2940,"content":2941},{"textAlign":25},[2942],{"text":2943,"type":116},"VeriFactu regula el software que genera facturas (hash SHA-256, QR, registro inalterable); la factura electrónica obligatoria de la Ley Crea y Crece regula el formato de transmisión B2B. Las grandes empresas deberán cumplir con la factura electrónica B2B en el primer año tras la aprobación del reglamento, y las pymes dispondrán de 2 años. Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":2945,"title":2946,"component":907,"description":2947},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":107,"content":2948},[2949],{"type":110,"attrs":2950,"content":2951},{"textAlign":25},[2952],{"text":2953,"type":116},"El software debe cumplir 5 requisitos técnicos: generar un hash SHA-256 por registro, un código QR por factura, mantener un registro secuencial inalterable, ofrecer la opción de envío automático a la AEAT y contar con la declaración responsable del fabricante conforme a la Orden HAC/1177/2024.",{"_uid":2955,"title":2956,"component":907,"description":2957},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":107,"content":2958},[2959],{"type":110,"attrs":2960,"content":2961},{"textAlign":25},[2962],{"text":2963,"type":116},"Las sanciones alcanzan los 50.000 € por ejercicio por utilizar software no certificado, y los fabricantes se exponen a multas de hasta 150.000 €. Además, el incumplimiento puede desencadenar una inspección tributaria.",{"_uid":2965,"title":2966,"component":907,"description":2967},"eaefa95d-2386-4afc-b2d5-bd53e5076de2","¿VeriFactu afecta a las pymes y autónomos o solo a grandes empresas?",{"type":107,"content":2968},[2969],{"type":110,"attrs":2970,"content":2971},{"textAlign":25},[2972],{"text":2973,"type":116},"VeriFactu afecta a todos los obligados tributarios en territorio común, desde el autónomo con 1 empleado hasta la gran empresa. No existe umbral mínimo de facturación ni exención por tamaño.",{"_uid":2975,"title":2976,"component":907,"description":2977},"a3d7430d-9897-48a0-89c5-85cbfd106cf4","¿Qué es VeriFactu?",{"type":107,"content":2978},[2979],{"type":110,"attrs":2980,"content":2981},{"textAlign":25},[2982],{"text":2983,"type":116},"VeriFactu es el sistema de facturación verificable de la AEAT que obliga a todo software de facturación a generar un hash SHA-256 encadenado, un código QR y un registro inalterable por cada factura emitida. Su objetivo es impedir la manipulación de registros de facturación y reforzar el control del fraude fiscal. Está regulado por la Ley Antifraude 11/2021 y el Real Decreto 1007/2023, y su cumplimiento será obligatorio desde el 1 de enero de 2027.",[2985],{"cta":2986,"_uid":2987,"title":2988,"eyebrow":2994,"subtitle":2999,"component":177,"textAlign":90,"flexibleSection":3004,"sectionSettings":3005,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":107,"content":2989},[2990],{"type":177,"attrs":2991,"content":2992},{"level":179,"textAlign":25},[2993],{"text":965,"type":116},{"type":107,"content":2995},[2996],{"type":110,"attrs":2997,"content":2998},{"textAlign":25},[],{"type":107,"content":3000},[3001],{"type":110,"attrs":3002,"content":3003},{"textAlign":25},[],[],[],"que-es-verifactu","es/blog/que-es-verifactu",-2140,[],"1275fab4-f0c8-40a2-bfbe-371e91cd12a9","2026-07-02T11:12:59.480Z",[],"blog/que-es-verifactu",[3015,3016,3017],{"path":3013,"name":25,"lang":37,"published":25},{"path":3013,"name":25,"lang":39,"published":25},{"path":3013,"name":25,"lang":32,"published":25},{"name":3019,"created_at":3020,"published_at":3021,"updated_at":3022,"id":3023,"uuid":3024,"content":3025,"slug":3145,"full_slug":3146,"sort_by_date":25,"position":3147,"tag_list":3148,"is_startpage":28,"parent_id":983,"meta_data":25,"group_id":3149,"first_published_at":3150,"release_id":25,"lang":32,"path":25,"alternates":3151,"default_full_slug":3152,"translated_slugs":3153},"Morosidad y facturación electrónica B2B: por qué Hacienda sabrá exactamente cuándo pagas a tus proveedores","2026-07-01T14:17:36.130Z","2026-07-15T12:57:19.864Z","2026-07-15T12:57:19.885Z",193437106762686,"5862f090-5c57-42b2-b06a-f2e57aa130c7",{"_uid":3026,"title":3019,"topics":3027,"noIndex":28,"category":3036,"language":3045,"component":880,"heroMedia":3046,"metaTitle":3047,"publishedAt":3048,"readingTime":3049,"redirectUrl":90,"listingImage":3050,"metaDescription":3057,"bottomArticleCta":3058,"componentsAfterTheArticle":3059},"0d77ded5-886f-419e-9cda-bce11bcf3406",[3028],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3029,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3030,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3031,"default_full_slug":147,"translated_slugs":3032,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3033,3034,3035],{"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":868,"created_at":869,"published_at":16,"updated_at":870,"id":871,"uuid":872,"content":3037,"slug":880,"full_slug":881,"sort_by_date":25,"position":52,"tag_list":3039,"is_startpage":28,"parent_id":883,"meta_data":25,"group_id":884,"first_published_at":885,"release_id":25,"lang":32,"path":25,"alternates":3040,"default_full_slug":887,"translated_slugs":3041,"_stopResolving":41},{"_uid":874,"icon":3038,"name":868,"component":879},{"id":876,"alt":877,"name":90,"focus":90,"title":90,"filename":878,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3042,3043,3044],{"path":887,"name":25,"lang":37,"published":25},{"path":887,"name":25,"lang":39,"published":25},{"path":887,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00","10",[3051],{"_uid":3052,"asset":3053,"caption":90,"component":2917},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":3054,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3055,"copyright":90,"fieldtype":95,"meta_data":3056,"is_external_url":28},198318535055133,"https://a.storyblok.com/f/146026/2752x1536/f0a0b021fd/spendesk_blog_cover_morosidad_facturacion.jpg",{},"Al cierre de cada mes, el equipo financiero necesita verificar que ninguna factura de proveedor ha superado el plazo legal de pago. En muchas empresas ese contr",[],[3060],{"_uid":3061,"items":3062,"heading":3123,"component":978},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[3063,3073,3083,3093,3103,3113],{"_uid":3064,"title":3065,"component":907,"description":3066},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":3067},[3068],{"type":110,"attrs":3069,"content":3070},{"textAlign":25},[3071],{"text":3072,"type":116},"No. Desde la Ley 15/2010, el plazo máximo pactable entre empresas es de 60 días naturales desde la entrega del bien o la prestación del servicio. Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":3074,"title":3075,"component":907,"description":3076},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":3077},[3078],{"type":110,"attrs":3079,"content":3080},{"textAlign":25},[3081],{"text":3082,"type":116},"El tipo legal es el de la última operación principal de refinanciación del BCE más ocho puntos porcentuales. Para el primer semestre de 2026, se sitúa en el 10,15% anualizado. Además, el acreedor tiene derecho a una compensación fija de 40 euros por factura.",{"_uid":3084,"title":3085,"component":907,"description":3086},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":107,"content":3087},[3088],{"type":110,"attrs":3089,"content":3090},{"textAlign":25},[3091],{"text":3092,"type":116},"El RD 238/2026 obliga a registrar electrónicamente la fecha de pago de cada factura B2B. Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":3094,"title":3095,"component":907,"description":3096},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":3097},[3098],{"type":110,"attrs":3099,"content":3100},{"textAlign":25},[3101],{"text":3102,"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":3104,"title":3105,"component":907,"description":3106},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":3107},[3108],{"type":110,"attrs":3109,"content":3110},{"textAlign":25},[3111],{"text":3112,"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":3114,"title":3115,"component":907,"description":3116},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":3117},[3118],{"type":110,"attrs":3119,"content":3120},{"textAlign":25},[3121],{"text":3122,"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.",[3124],{"cta":3125,"_uid":3126,"title":3127,"eyebrow":3133,"subtitle":3138,"component":177,"textAlign":90,"flexibleSection":3143,"sectionSettings":3144,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":107,"content":3128},[3129],{"type":177,"attrs":3130,"content":3131},{"level":179,"textAlign":25},[3132],{"text":965,"type":116},{"type":107,"content":3134},[3135],{"type":110,"attrs":3136,"content":3137},{"textAlign":25},[],{"type":107,"content":3139},[3140],{"type":110,"attrs":3141,"content":3142},{"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",[3154,3155,3156],{"path":3152,"name":25,"lang":37,"published":25},{"path":3152,"name":25,"lang":39,"published":25},{"path":3152,"name":25,"lang":32,"published":25},{"name":3158,"created_at":3159,"published_at":3160,"updated_at":3161,"id":3162,"uuid":3163,"content":3164,"slug":3273,"full_slug":3274,"sort_by_date":25,"position":3275,"tag_list":3276,"is_startpage":28,"parent_id":983,"meta_data":25,"group_id":3277,"first_published_at":3278,"release_id":25,"lang":32,"path":25,"alternates":3279,"default_full_slug":3280,"translated_slugs":3281},"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":3165,"title":3158,"topics":3166,"noIndex":28,"category":3175,"language":3184,"component":880,"heroMedia":3185,"metaTitle":3186,"publishedAt":3187,"readingTime":3049,"redirectUrl":90,"listingImage":3188,"metaDescription":3195,"bottomArticleCta":3196,"componentsAfterTheArticle":3197},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[3167],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3168,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3169,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3170,"default_full_slug":147,"translated_slugs":3171,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3172,3173,3174],{"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":868,"created_at":869,"published_at":16,"updated_at":870,"id":871,"uuid":872,"content":3176,"slug":880,"full_slug":881,"sort_by_date":25,"position":52,"tag_list":3178,"is_startpage":28,"parent_id":883,"meta_data":25,"group_id":884,"first_published_at":885,"release_id":25,"lang":32,"path":25,"alternates":3179,"default_full_slug":887,"translated_slugs":3180,"_stopResolving":41},{"_uid":874,"icon":3177,"name":868,"component":879},{"id":876,"alt":877,"name":90,"focus":90,"title":90,"filename":878,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3181,3182,3183],{"path":887,"name":25,"lang":37,"published":25},{"path":887,"name":25,"lang":39,"published":25},{"path":887,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[3189],{"_uid":3190,"asset":3191,"caption":90,"component":2917},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":3192,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3193,"copyright":90,"fieldtype":95,"meta_data":3194,"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",[],[3198],{"_uid":3199,"items":3200,"heading":3251,"component":978},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[3201,3211,3221,3231,3241],{"_uid":3202,"title":3203,"component":907,"description":3204},"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":3205},[3206],{"type":110,"attrs":3207,"content":3208},{"textAlign":25},[3209],{"text":3210,"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":3212,"title":3213,"component":907,"description":3214},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":3215},[3216],{"type":110,"attrs":3217,"content":3218},{"textAlign":25},[3219],{"text":3220,"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":3222,"title":3223,"component":907,"description":3224},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":3225},[3226],{"type":110,"attrs":3227,"content":3228},{"textAlign":25},[3229],{"text":3230,"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":3232,"title":3233,"component":907,"description":3234},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":3235},[3236],{"type":110,"attrs":3237,"content":3238},{"textAlign":25},[3239],{"text":3240,"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":3242,"title":3243,"component":907,"description":3244},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":3245},[3246],{"type":110,"attrs":3247,"content":3248},{"textAlign":25},[3249],{"text":3250,"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.",[3252],{"cta":3253,"_uid":3254,"title":3255,"eyebrow":3261,"subtitle":3266,"component":177,"textAlign":90,"flexibleSection":3271,"sectionSettings":3272,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":3256},[3257],{"type":177,"attrs":3258,"content":3259},{"level":179,"textAlign":25},[3260],{"text":965,"type":116},{"type":107,"content":3262},[3263],{"type":110,"attrs":3264,"content":3265},{"textAlign":25},[],{"type":107,"content":3267},[3268],{"type":110,"attrs":3269,"content":3270},{"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",[3282,3283,3284],{"path":3280,"name":25,"lang":37,"published":25},{"path":3280,"name":25,"lang":39,"published":25},{"path":3280,"name":25,"lang":32,"published":25},{"name":3286,"created_at":3287,"published_at":3288,"updated_at":3289,"id":3290,"uuid":3291,"content":3292,"slug":3402,"full_slug":3403,"sort_by_date":25,"position":3404,"tag_list":3405,"is_startpage":28,"parent_id":983,"meta_data":25,"group_id":3406,"first_published_at":3407,"release_id":25,"lang":32,"path":25,"alternates":3408,"default_full_slug":3409,"translated_slugs":3410},"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":3293,"title":3286,"topics":3294,"noIndex":28,"category":3303,"language":3312,"component":880,"heroMedia":3313,"metaTitle":3314,"publishedAt":3315,"readingTime":3316,"redirectUrl":90,"listingImage":3317,"metaDescription":3324,"bottomArticleCta":3325,"componentsAfterTheArticle":3326},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[3295],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3296,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3297,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3298,"default_full_slug":147,"translated_slugs":3299,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3300,3301,3302],{"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":868,"created_at":869,"published_at":16,"updated_at":870,"id":871,"uuid":872,"content":3304,"slug":880,"full_slug":881,"sort_by_date":25,"position":52,"tag_list":3306,"is_startpage":28,"parent_id":883,"meta_data":25,"group_id":884,"first_published_at":885,"release_id":25,"lang":32,"path":25,"alternates":3307,"default_full_slug":887,"translated_slugs":3308,"_stopResolving":41},{"_uid":874,"icon":3305,"name":868,"component":879},{"id":876,"alt":877,"name":90,"focus":90,"title":90,"filename":878,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3309,3310,3311],{"path":887,"name":25,"lang":37,"published":25},{"path":887,"name":25,"lang":39,"published":25},{"path":887,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00","13",[3318],{"_uid":3319,"asset":3320,"caption":90,"component":2917},"71b7f715-948b-4a24-8379-000055d9922b",{"id":3321,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3322,"copyright":90,"fieldtype":95,"meta_data":3323,"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",[],[3327],{"_uid":3328,"items":3329,"heading":3380,"component":978},"392b2cba-2459-4fae-9ca3-82a370a248fc",[3330,3340,3350,3360,3370],{"_uid":3331,"title":3332,"component":907,"description":3333},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":3334},[3335],{"type":110,"attrs":3336,"content":3337},{"textAlign":25},[3338],{"text":3339,"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":3341,"title":3342,"component":907,"description":3343},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":3344},[3345],{"type":110,"attrs":3346,"content":3347},{"textAlign":25},[3348],{"text":3349,"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":3351,"title":3352,"component":907,"description":3353},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":3354},[3355],{"type":110,"attrs":3356,"content":3357},{"textAlign":25},[3358],{"text":3359,"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":3361,"title":3362,"component":907,"description":3363},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":3364},[3365],{"type":110,"attrs":3366,"content":3367},{"textAlign":25},[3368],{"text":3369,"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":3371,"title":3372,"component":907,"description":3373},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":3374},[3375],{"type":110,"attrs":3376,"content":3377},{"textAlign":25},[3378],{"text":3379,"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.",[3381],{"cta":3382,"_uid":3383,"title":3384,"eyebrow":3390,"subtitle":3395,"component":177,"textAlign":90,"flexibleSection":3400,"sectionSettings":3401,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":3385},[3386],{"type":177,"attrs":3387,"content":3388},{"level":179,"textAlign":25},[3389],{"text":965,"type":116},{"type":107,"content":3391},[3392],{"type":110,"attrs":3393,"content":3394},{"textAlign":25},[],{"type":107,"content":3396},[3397],{"type":110,"attrs":3398,"content":3399},{"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",[3411,3412,3413],{"path":3409,"name":25,"lang":37,"published":25},{"path":3409,"name":25,"lang":39,"published":25},{"path":3409,"name":25,"lang":32,"published":25},{"name":3415,"created_at":3416,"published_at":3417,"updated_at":3418,"id":3419,"uuid":3420,"content":3421,"slug":3540,"full_slug":3541,"sort_by_date":25,"position":3542,"tag_list":3543,"is_startpage":28,"parent_id":983,"meta_data":25,"group_id":3544,"first_published_at":3545,"release_id":25,"lang":32,"path":25,"alternates":3546,"default_full_slug":3547,"translated_slugs":3548},"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":3422,"title":3415,"topics":3423,"noIndex":28,"category":3432,"language":3441,"component":880,"heroMedia":3442,"metaTitle":3443,"publishedAt":3444,"readingTime":896,"redirectUrl":90,"listingImage":3445,"metaDescription":3452,"bottomArticleCta":3453,"componentsAfterTheArticle":3454},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[3424],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3425,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3426,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3427,"default_full_slug":147,"translated_slugs":3428,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3429,3430,3431],{"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":868,"created_at":869,"published_at":16,"updated_at":870,"id":871,"uuid":872,"content":3433,"slug":880,"full_slug":881,"sort_by_date":25,"position":52,"tag_list":3435,"is_startpage":28,"parent_id":883,"meta_data":25,"group_id":884,"first_published_at":885,"release_id":25,"lang":32,"path":25,"alternates":3436,"default_full_slug":887,"translated_slugs":3437,"_stopResolving":41},{"_uid":874,"icon":3434,"name":868,"component":879},{"id":876,"alt":877,"name":90,"focus":90,"title":90,"filename":878,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3438,3439,3440],{"path":887,"name":25,"lang":37,"published":25},{"path":887,"name":25,"lang":39,"published":25},{"path":887,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[3446],{"_uid":3447,"asset":3448,"caption":90,"component":2917},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":3449,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3450,"copyright":90,"fieldtype":95,"meta_data":3451,"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",[],[3455],{"_uid":3456,"items":3457,"heading":3518,"component":978},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[3458,3468,3478,3488,3498,3508],{"_uid":3459,"title":3460,"component":907,"description":3461},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":3462},[3463],{"type":110,"attrs":3464,"content":3465},{"textAlign":25},[3466],{"text":3467,"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":3469,"title":3470,"component":907,"description":3471},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":3472},[3473],{"type":110,"attrs":3474,"content":3475},{"textAlign":25},[3476],{"text":3477,"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":3479,"title":3480,"component":907,"description":3481},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":3482},[3483],{"type":110,"attrs":3484,"content":3485},{"textAlign":25},[3486],{"text":3487,"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":3489,"title":3490,"component":907,"description":3491},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":3492},[3493],{"type":110,"attrs":3494,"content":3495},{"textAlign":25},[3496],{"text":3497,"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":3499,"title":3500,"component":907,"description":3501},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":3502},[3503],{"type":110,"attrs":3504,"content":3505},{"textAlign":25},[3506],{"text":3507,"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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Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":3607,"title":3608,"component":907,"description":3609},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":107,"content":3610},[3611],{"type":110,"attrs":3612,"content":3613},{"textAlign":25},[3614,3616,3622],{"text":3615,"type":116},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":3617,"type":116,"marks":3618},"objetivos financieros",[3619],{"type":193,"attrs":3620},{"href":3621,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":3623,"type":116}," del equipo ayuda a mantener la disciplina. 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":3625,"title":3626,"component":907,"description":3627},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":3628},[3629],{"type":110,"attrs":3630,"content":3631},{"textAlign":25},[3632],{"text":3633,"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":3635,"title":3636,"component":907,"description":3637},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":107,"content":3638},[3639],{"type":110,"attrs":3640,"content":3641},{"textAlign":25},[3642],{"text":3643,"type":116},"Contasol permite importar extractos bancarios y compararlos con asientos contables. Para empresas con múltiples métodos de pago (tarjetas, facturas, reembolsos), un software de gestión de gastos integrado ofrece una conciliación más completa al unificar todos los flujos en un solo panel.",{"_uid":3645,"title":3646,"component":907,"description":3647},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":107,"content":3648},[3649],{"type":110,"attrs":3650,"content":3651},{"textAlign":25},[3652],{"text":3653,"type":116},"A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR registrados en tiempo real ante la AEAT. 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Guía paso a paso para equipos financieros.",[],[4137],{"_uid":4138,"items":4139,"heading":1287,"component":978},"d437e15a-ca83-40ff-962f-928bbc083496",[4140,4158,4168,4178,4188],{"_uid":4141,"title":4142,"component":907,"description":4143},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":4144},[4145],{"type":110,"attrs":4146,"content":4147},{"textAlign":25},[4148,4150,4156],{"text":4149,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":4151,"type":116,"marks":4152},"Ley 15/2010",[4153],{"type":193,"attrs":4154},{"href":4155,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":4157,"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":4159,"title":4160,"component":907,"description":4161},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":4162},[4163],{"type":110,"attrs":4164,"content":4165},{"textAlign":25},[4166],{"text":4167,"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":4169,"title":4170,"component":907,"description":4171},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":4172},[4173],{"type":110,"attrs":4174,"content":4175},{"textAlign":25},[4176],{"text":4177,"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":4179,"title":4180,"component":907,"description":4181},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":4182},[4183],{"type":110,"attrs":4184,"content":4185},{"textAlign":25},[4186],{"text":4187,"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":4189,"title":4190,"component":907,"description":4191},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":4192},[4193],{"type":110,"attrs":4194,"content":4195},{"textAlign":25},[4196,4198,4204,4206,4212],{"text":4197,"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":4199,"type":116,"marks":4200},"conciliación",[4201],{"type":193,"attrs":4202},{"href":4203,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":4205,"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":4207,"type":116,"marks":4208},"visita spendesk.com/es/",[4209],{"type":193,"attrs":4210},{"href":4211,"uuid":25,"anchor":25,"target":196,"linktype":98},"https://www.spendesk.com/es/",{"text":346,"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",[4222,4223,4224],{"path":4220,"name":25,"lang":37,"published":25},{"path":4220,"name":25,"lang":39,"published":25},{"path":4220,"name":25,"lang":32,"published":25},{"name":4226,"created_at":4227,"published_at":4228,"updated_at":4229,"id":4230,"uuid":4231,"content":4232,"slug":4347,"full_slug":4348,"sort_by_date":25,"position":4349,"tag_list":4350,"is_startpage":28,"parent_id":983,"meta_data":25,"group_id":4351,"first_published_at":4352,"release_id":25,"lang":32,"path":25,"alternates":4353,"default_full_slug":4354,"translated_slugs":4355},"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":4233,"title":4226,"topics":4234,"noIndex":28,"category":4251,"language":4260,"component":880,"heroMedia":4261,"metaTitle":4262,"publishedAt":4263,"readingTime":2748,"redirectUrl":90,"listingImage":4264,"metaDescription":4271,"bottomArticleCta":4272,"componentsAfterTheArticle":4273},"c037fbcf-4158-4dad-96d1-4603185c9798",[4235,4243],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4236,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4237,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4238,"default_full_slug":147,"translated_slugs":4239,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4240,4241,4242],{"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":4244,"slug":159,"full_slug":160,"sort_by_date":25,"position":141,"tag_list":4245,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":162,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4246,"default_full_slug":164,"translated_slugs":4247,"_stopResolving":41},{"_uid":138,"name":153,"component":22},[],[],[4248,4249,4250],{"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":868,"created_at":869,"published_at":16,"updated_at":870,"id":871,"uuid":872,"content":4252,"slug":880,"full_slug":881,"sort_by_date":25,"position":52,"tag_list":4254,"is_startpage":28,"parent_id":883,"meta_data":25,"group_id":884,"first_published_at":885,"release_id":25,"lang":32,"path":25,"alternates":4255,"default_full_slug":887,"translated_slugs":4256,"_stopResolving":41},{"_uid":874,"icon":4253,"name":868,"component":879},{"id":876,"alt":877,"name":90,"focus":90,"title":90,"filename":878,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4257,4258,4259],{"path":887,"name":25,"lang":37,"published":25},{"path":887,"name":25,"lang":39,"published":25},{"path":887,"name":25,"lang":32,"published":25},[32],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[4265],{"_uid":4266,"asset":4267,"caption":90,"component":2917},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":4268,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4269,"copyright":90,"fieldtype":95,"meta_data":4270,"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.",[],[4274],{"_uid":4275,"items":4276,"heading":1287,"component":978},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[4277,4287,4297,4307,4317,4327,4337],{"_uid":4278,"title":4279,"component":907,"description":4280},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":4281},[4282],{"type":110,"attrs":4283,"content":4284},{"textAlign":25},[4285],{"text":4286,"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":4288,"title":4289,"component":907,"description":4290},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":4291},[4292],{"type":110,"attrs":4293,"content":4294},{"textAlign":25},[4295],{"text":4296,"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":4298,"title":4299,"component":907,"description":4300},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":4301},[4302],{"type":110,"attrs":4303,"content":4304},{"textAlign":25},[4305],{"text":4306,"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":4308,"title":4309,"component":907,"description":4310},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":4311},[4312],{"type":110,"attrs":4313,"content":4314},{"textAlign":25},[4315],{"text":4316,"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":4318,"title":4319,"component":907,"description":4320},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":4321},[4322],{"type":110,"attrs":4323,"content":4324},{"textAlign":25},[4325],{"text":4326,"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":4328,"title":4329,"component":907,"description":4330},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":4331},[4332],{"type":110,"attrs":4333,"content":4334},{"textAlign":25},[4335],{"text":4336,"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":4338,"title":4339,"component":907,"description":4340},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":4341},[4342],{"type":110,"attrs":4343,"content":4344},{"textAlign":25},[4345],{"text":4346,"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",[4356,4357,4358],{"path":4354,"name":25,"lang":37,"published":25},{"path":4354,"name":25,"lang":39,"published":25},{"path":4354,"name":25,"lang":32,"published":25},{"name":4360,"created_at":4361,"published_at":4362,"updated_at":4363,"id":4364,"uuid":4365,"content":4366,"slug":4461,"full_slug":4462,"sort_by_date":25,"position":4463,"tag_list":4464,"is_startpage":28,"parent_id":983,"meta_data":25,"group_id":4465,"first_published_at":4466,"release_id":25,"lang":32,"path":25,"alternates":4467,"default_full_slug":4468,"translated_slugs":4469},"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":4367,"title":4360,"topics":4368,"noIndex":28,"category":4385,"language":4394,"component":880,"heroMedia":4395,"metaTitle":4396,"publishedAt":4397,"readingTime":2748,"redirectUrl":90,"listingImage":4398,"metaDescription":4405,"bottomArticleCta":4406,"componentsAfterTheArticle":4407},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[4369,4377],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4370,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4371,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4372,"default_full_slug":147,"translated_slugs":4373,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4374,4375,4376],{"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":4378,"slug":159,"full_slug":160,"sort_by_date":25,"position":141,"tag_list":4379,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":162,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4380,"default_full_slug":164,"translated_slugs":4381,"_stopResolving":41},{"_uid":138,"name":153,"component":22},[],[],[4382,4383,4384],{"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":868,"created_at":869,"published_at":16,"updated_at":870,"id":871,"uuid":872,"content":4386,"slug":880,"full_slug":881,"sort_by_date":25,"position":52,"tag_list":4388,"is_startpage":28,"parent_id":883,"meta_data":25,"group_id":884,"first_published_at":885,"release_id":25,"lang":32,"path":25,"alternates":4389,"default_full_slug":887,"translated_slugs":4390,"_stopResolving":41},{"_uid":874,"icon":4387,"name":868,"component":879},{"id":876,"alt":877,"name":90,"focus":90,"title":90,"filename":878,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4391,4392,4393],{"path":887,"name":25,"lang":37,"published":25},{"path":887,"name":25,"lang":39,"published":25},{"path":887,"name":25,"lang":32,"published":25},[32],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co","2026-04-23 00:00",[4399],{"_uid":4400,"asset":4401,"caption":90,"component":2917},"4fe17535-01b6-4bff-824b-48b60abdd21e",{"id":4402,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4403,"copyright":90,"fieldtype":95,"meta_data":4404,"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.",[],[4408],{"_uid":4409,"items":4410,"heading":1287,"component":978},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[4411,4421,4431,4441,4451],{"_uid":4412,"title":4413,"component":907,"description":4414},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":4415},[4416],{"type":110,"attrs":4417,"content":4418},{"textAlign":25},[4419],{"text":4420,"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":4422,"title":4423,"component":907,"description":4424},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":4425},[4426],{"type":110,"attrs":4427,"content":4428},{"textAlign":25},[4429],{"text":4430,"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":4432,"title":4433,"component":907,"description":4434},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":4435},[4436],{"type":110,"attrs":4437,"content":4438},{"textAlign":25},[4439],{"text":4440,"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":4442,"title":4443,"component":907,"description":4444},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":4445},[4446],{"type":110,"attrs":4447,"content":4448},{"textAlign":25},[4449],{"text":4450,"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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