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Incluye la recopilación de datos, la validación, la evaluación del riesgo, la aprobación, la documentación, el alta en el ERP y el mantenimiento posterior.",{"type":82,"attrs":143,"content":145},{"textAlign":27,"key":144},"p-2",[146],{"text":147,"type":88},"Cuando este proceso depende de correos electrónicos, documentos adjuntos y registros manuales, aumentan las posibilidades de duplicar fichas, introducir mal los datos bancarios o perder aprobaciones importantes. La automatización permite ordenar el circuito, aplicar controles desde el principio y reservar la revisión humana para las decisiones que realmente requieren criterio.",{"type":82,"attrs":149,"content":151},{"textAlign":27,"key":150},"p-3",[152,154,156],{"text":153,"type":88},"En este artículo verás qué partes del onboarding de proveedores puedes automatizar, qué controles conviene mantener bajo supervisión humana, quién debe responder de cada paso y cómo medir la reducción de costes y errores.",{"type":155},"hard_break",{"type":155},{"type":158,"attrs":159},"blok",{"id":160,"body":161},"23e757e9-b598-491e-a11e-a08c2a33b6e1",[162],{"_uid":163,"text":164,"color":165,"title":166,"backCtas":167,"backMedia":168,"component":169},"i-ca9a1fc7-7e3b-4bcc-b5b0-c0533cca39bf","\n- Un alta de proveedores manual genera retrabajo, duplicados y riesgo de pagar a cuentas erróneas.\n- Automatiza la entrada, la validación y los flujos de aprobación, y adapta el circuito al riesgo de cada proveedor.\n- Los cambios de IBAN necesitan un segundo canal y doble control, aunque tu banco verifique el beneficiario.\n- Define un único maestro de proveedores, bloquea duplicados por NIF y sincroniza en un solo sentido con el ERP.\n- Mide tiempo de alta, fichas completas, duplicados y coste por alta antes y después de automatizar.\n- Implanta la automatización por fases, con una línea base de indicadores, un piloto por nivel y una revisión de reglas a los tres meses.","purple","Puntos Clave",[],[],"callout",{"type":171,"attrs":172,"content":174},"heading",{"level":173,"textAlign":27},2,[175],{"text":176,"type":88},"Lo que cuesta un alta de proveedor hecha a mano",{"type":82,"attrs":178,"content":180},{"textAlign":27,"key":179},"p-4",[181],{"text":182,"type":88},"El onboarding de proveedores lleva a un proveedor desde la primera solicitud hasta su primer cobro. Incluye recopilación de datos, validación, evaluación de riesgo, aprobación, documentación, alta en el ERP y mantenimiento. No hay una cifra verificada del coste de una incorporación de proveedores manual, pero sí puedes ver dónde se genera el trabajo:",{"type":184,"content":185},"bullet_list",[186,195,203,211,219],{"type":187,"content":188},"list_item",[189],{"type":82,"attrs":190,"content":192},{"textAlign":27,"key":191},"p-5",[193],{"text":194,"type":88},"Fichas incompletas que vuelven al proveedor dos o tres veces antes del alta.",{"type":187,"content":196},[197],{"type":82,"attrs":198,"content":200},{"textAlign":27,"key":199},"p-6",[201],{"text":202,"type":88},"Duplicados en el maestro de proveedores, que facilitan pagos dobles.",{"type":187,"content":204},[205],{"type":82,"attrs":206,"content":208},{"textAlign":27,"key":207},"p-7",[209],{"text":210,"type":88},"IBAN mal tecleados, que provocan devoluciones o abren la puerta al fraude.",{"type":187,"content":212},[213],{"type":82,"attrs":214,"content":216},{"textAlign":27,"key":215},"p-8",[217],{"text":218,"type":88},"Aprobaciones perdidas en hilos de correo, sin fecha ni responsable claro.",{"type":187,"content":220},[221],{"type":82,"attrs":222,"content":224},{"textAlign":27,"key":223},"p-9",[225],{"text":226,"type":88},"Ningún rastro de auditoría sobre quién autorizó qué.",{"type":82,"attrs":228,"content":230},{"textAlign":27,"key":229},"p-10",[231],{"text":232,"type":88},"La semana del cierre, tu responsable de administración copia los datos de un PDF para pagar una factura de 4.800 €. Tres semanas después descubre que el proveedor ya figuraba en el maestro con su nombre comercial y otro IBAN. Ahora hay dos fichas, dos historiales y una duda sobre cuál de las dos cuentas es la buena.",{"type":171,"attrs":234,"content":235},{"level":173,"textAlign":27},[236],{"text":237,"type":88},"¿Cómo automatizar la evaluación y onboarding de proveedores para reducir costes?",{"type":82,"attrs":239,"content":241},{"textAlign":27,"key":240},"p-11",[242,244,251],{"text":243,"type":88},"Crea una única puerta de entrada, comprobaciones automáticas de datos, itinerarios según el riesgo y ",{"text":245,"type":88,"marks":246},"flujos de aprobación por importe y nivel",[247],{"type":248,"attrs":249},"link",{"href":250,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/matriz-de-aprobaciones/",{"text":252,"type":88},". Después, sincroniza la ficha aprobada con el ERP para que nadie vuelva a teclearla.",{"type":171,"attrs":254,"content":256},{"level":255,"textAlign":27},3,[257],{"text":258,"type":88},"Recopilación y validación automática de datos",{"type":82,"attrs":260,"content":262},{"textAlign":27,"key":261},"p-12",[263,265,271],{"text":264,"type":88},"Sustituye el correo por un formulario o un ",{"text":266,"type":88,"marks":267},"portal de proveedores",[268],{"type":248,"attrs":269},{"href":270,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/homologacion-portales-de-proveedores/",{"text":272,"type":88}," con campos obligatorios. Un onboarding digital de proveedores impide enviar una ficha sin razón social, NIF (número de identificación fiscal), IBAN o contacto de facturación.",{"type":82,"attrs":274,"content":276},{"textAlign":27,"key":275},"p-13",[277],{"text":278,"type":88},"Junto con el IBAN, pide un certificado de titularidad bancaria emitido por el banco del proveedor y guárdalo en la ficha. Si el proveedor cambia de IBAN, solicita un certificado nuevo antes de aprobar el cambio.",{"type":82,"attrs":280,"content":282},{"textAlign":27,"key":281},"p-14",[283,285,291,293,299],{"text":284,"type":88},"Para la ",{"text":286,"type":88,"marks":287},"validación de proveedores",[288],{"type":248,"attrs":289},{"href":290,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/alta-y-validacion-de-proveedores/",{"text":292,"type":88}," españoles, la AEAT (Agencia Estatal de Administración Tributaria) ofrece la \"",{"text":294,"type":88,"marks":295},"Comprobación de un NIF de terceros",[296],{"type":248,"attrs":297},{"href":298,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://sede.agenciatributaria.gob.es/Sede/ayuda/consultas-informaticas/presentacion-declaraciones-ayuda-tecnica/modelo-030/comprobacion-nif-terceros-efectos-censales.html",{"text":300,"type":88},"\" del Modelo 030. Admite consulta individual, múltiple o por fichero de hasta 20.000 registros, con identificación electrónica. Lo automatizable es preparar el fichero y guardar en la ficha el resultado, como IDENTIFICADO o NO IDENTIFICADO.",{"type":82,"attrs":302,"content":304},{"textAlign":27,"key":303},"p-15",[305,307,313],{"text":306,"type":88},"Si el proveedor es una consultora de Oporto con IVA intracomunitario, la comprobación pasa por ",{"text":308,"type":88,"marks":309},"VIES",[310],{"type":248,"attrs":311},{"href":312,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://ec.europa.eu/taxation_customs/vies/",{"text":314,"type":88}," (VAT Information Exchange System), de la Comisión Europea. Un resultado negativo exige revisión manual antes de aprobar.",{"type":171,"attrs":316,"content":317},{"level":255,"textAlign":27},[318],{"text":319,"type":88},"Evaluación de riesgos por niveles",{"type":82,"attrs":321,"content":323},{"textAlign":27,"key":322},"p-16",[324],{"text":325,"type":88},"La evaluación de proveedores debe ser proporcional al riesgo, porque un circuito único frena al negocio sin mejorar el control. Tres niveles suelen bastar:",{"type":184,"content":327},[328,344,352],{"type":187,"content":329},[330],{"type":82,"attrs":331,"content":333},{"textAlign":27,"key":332},"p-17",[334,336,342],{"text":335,"type":88},"Nivel bajo, para compras puntuales de importe reducido pagadas con ",{"text":337,"type":88,"marks":338},"tarjeta de empresa",[339],{"type":248,"attrs":340},{"href":341,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/tarjetas-corporativas/",{"text":343,"type":88},".",{"type":187,"content":345},[346],{"type":82,"attrs":347,"content":349},{"textAlign":27,"key":348},"p-18",[350],{"text":351,"type":88},"Nivel medio, para proveedores recurrentes sin acceso a tus instalaciones ni a datos sensibles.",{"type":187,"content":353},[354],{"type":82,"attrs":355,"content":357},{"textAlign":27,"key":356},"p-19",[358],{"text":359,"type":88},"Nivel crítico, para contratas y subcontratas de obras o servicios de tu propia actividad.",{"type":82,"attrs":361,"content":363},{"textAlign":27,"key":362},"p-20",[364],{"text":365,"type":88},"En determinadas contratas y subcontratas de obras o servicios correspondientes a la propia actividad pueden aplicarse responsabilidades específicas. Los requisitos dependen del tipo de relación, de la actividad contratada y de las circunstancias concretas del caso.",{"type":82,"attrs":367,"content":369},{"textAlign":27,"key":368},"p-21",[370],{"text":371,"type":88},"En materia tributaria, el certificado específico de la AEAT previsto para determinados supuestos del artículo 43.1.f de la Ley General Tributaria puede evitar la responsabilidad subsidiaria si se cumplen todas las condiciones legales. La Resolución 2/2004 establece que debe haberse emitido durante los 12 meses anteriores al pago de cada factura correspondiente a la contratación o subcontratación. ",{"type":82,"attrs":373,"content":375},{"textAlign":27,"key":374},"p-22",[376],{"text":377,"type":88},"En materia de Seguridad Social, la empresa principal debe comprobar qué certificación corresponde y quién debe solicitarla en el supuesto aplicable. En los casos previstos por el artículo 42 del Estatuto de los Trabajadores, la normativa contempla la solicitud por escrito de una certificación negativa de descubiertos ante la TGSS. Un certificado general aportado por el proveedor no sustituye necesariamente ese trámite. ",{"type":82,"attrs":379,"content":381},{"textAlign":27,"key":380},"p-23",[382],{"text":383,"type":88},"Si trabajadores de varias empresas coinciden en un mismo centro de trabajo, también puede ser necesario aplicar la coordinación de actividades empresariales (CAE) prevista en el Real Decreto 171/2004. La CAE no debería reducirse a un mero intercambio documental: debe adaptarse a los riesgos, las actividades y las medidas preventivas del centro de trabajo. ",{"type":171,"attrs":385,"content":386},{"level":255,"textAlign":27},[387],{"text":388,"type":88},"Aprobación y documentación",{"type":82,"attrs":390,"content":392},{"textAlign":27,"key":391},"p-24",[393],{"text":394,"type":88},"Las aprobaciones dependen del nivel de riesgo y del importe. Un proveedor crítico con 25.000 € de gasto anual puede requerir la firma de compras y la del DAF (director administrativo y financiero). Contrato y certificados quedan en la ficha, con un rastro de auditoría de quién aprobó y cuándo.",{"type":82,"attrs":396,"content":398},{"textAlign":27,"key":397},"p-25",[399,401,407,409,410,411],{"text":400,"type":88},"En Spendesk, las ",{"text":402,"type":88,"marks":403},"solicitudes de compra",[404],{"type":248,"attrs":405},{"href":406,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/product/procurement/",{"text":408,"type":88}," pueden dirigirse a los aprobadores correspondientes según las reglas definidas por la empresa. La plataforma puede centralizar solicitudes, contratos, documentos e información relacionada con los pagos, según los módulos contratados y la configuración de la cuenta.",{"type":155},{"type":155},{"text":412,"type":88},"Antes de presentar estas capacidades como disponibles en todos los casos, confirma el alcance concreto de la gestión documental, las trazas de auditoría y la información accesible por proveedor.",{"type":171,"attrs":414,"content":415},{"level":173,"textAlign":27},[416],{"text":417,"type":88},"Controles y responsables en cada paso",{"type":82,"attrs":419,"content":420},{"textAlign":27,"key":84},[421],{"text":422,"type":88},"Cada paso necesita un responsable distinto de quien lo ejecuta, porque la segregación de funciones sostiene el control interno. Automatizar la gestión de proveedores acelera lo repetitivo; los controles sobre la tesorería siguen siendo 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",{"text":710,"type":88,"marks":711},"INCIBE",[712],{"type":248,"attrs":713},{"href":714,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.incibe.es/empresas/blog/fraude-del-ceo-el-engano-que-puede-vaciar-la-cuenta-de-tu-pyme",{"text":716,"type":88}," (Instituto Nacional de Ciberseguridad) recomienda verificar las cuentas nuevas y los cambios de IBAN por un canal ajeno al correo. También aconseja que intervengan dos personas o dos medios de comunicación distintos.",{"type":82,"attrs":718,"content":720},{"textAlign":27,"key":719},"p-34",[721,723,729],{"text":722,"type":88},"Desde el 9 de octubre de 2025, el ",{"text":724,"type":88,"marks":725},"Reglamento (UE) 2024/886",[726],{"type":248,"attrs":727},{"href":728,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://eur-lex.europa.eu/legal-content/ES/TXT/PDF/?uri=OJ%3AL_202400886",{"text":730,"type":88},", publicado en el DOUE el 19 de marzo de 2024, obliga a los bancos de la zona euro a ofrecer la verificación del beneficiario. Ese servicio compara el nombre del titular con el IBAN antes de transferir. Confirma la titularidad, aunque deja sin resolver si el cambio es legítimo.",{"type":82,"attrs":732,"content":734},{"textAlign":27,"key":733},"p-35",[735],{"text":736,"type":88},"Dos días antes de la remesa, tu transportista escribe \"hemos cambiado de banco\" con un IBAN nuevo para una factura de 14.300 €. La ficha bloquea el cambio hasta que tesorería llama al teléfono que ya constaba y otra persona lo aprueba. Sin esa confirmación, el pago pasa a la siguiente remesa.",{"type":171,"attrs":738,"content":739},{"level":173,"textAlign":27},[740],{"text":741,"type":88},"Integración con el ERP y la contabilidad sin duplicados",{"type":82,"attrs":743,"content":745},{"textAlign":27,"key":744},"p-36",[746,748,754],{"text":747,"type":88},"Decide primero qué sistema es el maestro de proveedores y quién puede modificarlo. Una opción sencilla es que la ficha nazca en ",{"text":749,"type":88,"marks":750},"cuentas a pagar",[751],{"type":248,"attrs":752},{"href":753,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":755,"type":88}," y viaje en un solo sentido hacia el ERP. Sincroniza razón social, NIF, IBAN, condiciones de pago y cuenta contable.",{"type":82,"attrs":757,"content":759},{"textAlign":27,"key":758},"p-37",[760],{"text":761,"type":88},"Una integración ERP fiable necesita reglas de duplicados explícitas:",{"type":184,"content":763},[764,772,780,788],{"type":187,"content":765},[766],{"type":82,"attrs":767,"content":769},{"textAlign":27,"key":768},"p-38",[770],{"text":771,"type":88},"Bloquea el alta si el NIF ya existe en el maestro.",{"type":187,"content":773},[774],{"type":82,"attrs":775,"content":777},{"textAlign":27,"key":776},"p-39",[778],{"text":779,"type":88},"Avisa si el IBAN coincide con el de otro proveedor.",{"type":187,"content":781},[782],{"type":82,"attrs":783,"content":785},{"textAlign":27,"key":784},"p-40",[786],{"text":787,"type":88},"Señala nombres parecidos, como «Transportes Ruiz SL» y «Ruiz Logística», para revisión manual.",{"type":187,"content":789},[790],{"type":82,"attrs":791,"content":793},{"textAlign":27,"key":792},"p-41",[794],{"text":795,"type":88},"Fusiona duplicados conservando la ficha con más historial y desactivando la otra.",{"type":82,"attrs":797,"content":799},{"textAlign":27,"key":798},"p-42",[800,802,808],{"text":801,"type":88},"Las condiciones de pago también son un control. La ",{"text":803,"type":88,"marks":804},"Ley 3/2004",[805],{"type":248,"attrs":806},{"href":807,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/buscar/doc.php?id=BOE-A-2004-21830",{"text":809,"type":88}," establece un marco para los plazos de pago entre empresas y limita, en general, los acuerdos superiores a 60 días naturales. Configura la ficha para alertar ante plazos superiores y revisa cualquier excepción o situación particular con asesoramiento jurídico.",{"type":82,"attrs":811,"content":813},{"textAlign":27,"key":812},"p-43",[814,816,822,827],{"text":815,"type":88},"El ",{"text":817,"type":88,"marks":818},"Real Decreto 238/2026",[819],{"type":248,"attrs":820},{"href":821,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-7295",{"text":823,"type":88,"marks":824},", ",[825],{"type":826},"italic",{"text":828,"type":88},"desarrolla el sistema español de factura electrónica obligatoria entre empresarios y profesionales e incluye requisitos relacionados con la identificación del emisor y del destinatario, así como con la comunicación del estado de las facturas electrónicas.",{"type":82,"attrs":830,"content":832},{"textAlign":27,"key":831},"p-44",[833,835,841,843],{"text":834,"type":88},"Según la ",{"text":836,"type":88,"marks":837},"Orden HAC/1028/2026",[838],{"type":248,"attrs":839},{"href":840,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-20587",{"text":842,"type":88},",",{"text":844,"type":88,"marks":845}," regula la solución pública de facturación electrónica y establece el calendario de aplicación previsto en este nuevo marco. 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Sin ese mapeo, alguien revisa la exportación línea a línea.",{"type":82,"attrs":862,"content":864},{"textAlign":27,"key":863},"p-47",[865],{"text":866,"type":88},"Un portal de proveedores independiente valida al proveedor, pero deja pedidos, facturas y pagos en otras herramientas, con más sincronizaciones y puntos de duplicado. Si conectas el onboarding con pedidos, facturas y pagos, mantienes una sola ficha por proveedor. En un grupo con varias sociedades, decide si compartes la ficha o la mantienes por sociedad: IBAN, condiciones y cuenta contable pueden variar.",{"type":82,"attrs":868,"content":870},{"textAlign":27,"key":869},"p-48",[871,873,879],{"text":872,"type":88},"Spendesk indica que conecta facturas, pedidos de compra y pagos con la herramienta contable en un circuito ",{"text":874,"type":88,"marks":875},"procure to pay",[876],{"type":248,"attrs":877},{"href":878,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/software-de-compras-procure-to-pay/",{"text":880,"type":88},". Ofrece más de 50 integraciones y una API abierta, aunque la cobertura nativa depende del software y la versión. 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Si tres meses después la media baja a hora y media, cada alta cuesta 52,50 € y el mes, 2.100 €. Con esa comparación defiendes el proyecto ante dirección.",{"type":82,"attrs":1041,"content":1043},{"textAlign":27,"key":1042},"p-65",[1044,1046,1052],{"text":1045,"type":88},"Como referencia externa, el informe ",{"text":1047,"type":88,"marks":1048},"AP Metrics that Matter in 2025",[1049],{"type":248,"attrs":1050},{"href":1051,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.datocms-assets.com/80283/1744404602-ardent-partners-ap-metrics-that-matter-in-2025-pagero-final.pdf",{"text":1053,"type":88}," de Ardent Partners sitúa el coste medio por factura en 9,40 dólares. Las organizaciones best-in-class gastan 2,78 dólares frente a 12,88 del resto, con un 9 % de facturas con excepción frente al 22 %. La encuesta, patrocinada por Pagero, reunió 212 respuestas, sobre todo norteamericanas, y mide facturas, no altas.",{"type":82,"attrs":1055,"content":1057},{"textAlign":27,"key":1056},"p-66",[1058],{"text":1059,"type":88},"Estos indicadores también alimentan la calificación de proveedores. Un proveedor que genera excepciones cada mes merece una revisión de su ficha.",{"type":171,"attrs":1061,"content":1062},{"level":173,"textAlign":27},[1063],{"text":1064,"type":88},"Cómo implantar la automatización por fases",{"type":82,"attrs":1066,"content":1068},{"textAlign":27,"key":1067},"p-67",[1069],{"text":1070,"type":88},"Empieza por medir el circuito que ya tienes, para comparar cada cambio con un punto de partida fiable. 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La homologación valida con mayor profundidad la solvencia, el cumplimiento, la capacidad y los criterios de riesgo antes de formalizar la relación.",{"_uid":2985,"title":2986,"component":1190,"description":2987},"cf378fd2-4480-4154-a37a-265621902672","¿Con qué frecuencia hay que reevaluar a un proveedor?",{"type":79,"content":2988},[2989],{"type":82,"attrs":2990,"content":2991},{"textAlign":27},[2992],{"text":2993,"type":88},"Depende del riesgo, el volumen de gasto, la criticidad, la actividad, el contrato y la política interna. Los proveedores críticos pueden requerir una revisión anual o más frecuente, mientras que los de bajo riesgo pueden revisarse con una periodicidad más amplia. No existe una frecuencia universal aplicable a todos los proveedores.",{"_uid":2995,"title":2996,"component":1190,"description":2997},"7f1e9200-5183-44a0-98bb-a1fd89492a3d","¿Qué KPI sirven para medir a un proveedor?",{"type":79,"content":2998},[2999],{"type":82,"attrs":3000,"content":3001},{"textAlign":27},[3002],{"text":3003,"type":88},"El plazo de entrega medio, la tasa de incidencias o devoluciones, el cumplimiento de las condiciones pactadas y el tiempo de respuesta ante reclamaciones son indicadores habituales. Cada KPI debe tener una definición, un propietario, un período de medición y un umbral de acción.",{"_uid":3005,"title":3006,"component":1190,"description":3007},"b8321628-96f7-4f3e-a01e-d93dec724c28","¿Cuánto puede tardar dar de alta a un proveedor y cómo acortarlo?",{"type":79,"content":3008},[3009],{"type":82,"attrs":3010,"content":3011},{"textAlign":27},[3012],{"text":3013,"type":88},"El plazo depende de la documentación, el nivel de riesgo, la complejidad de la aprobación, las integraciones y la disponibilidad del proveedor. En un caso sencillo y bien preparado, la empresa puede fijar un objetivo interno de pocos días, pero no debe presentarlo como una garantía general. Centralizar la documentación, automatizar recordatorios y definir los responsables puede ayudar a reducir el tiempo de alta.",{"_uid":3015,"title":3016,"component":1190,"description":3017},"bbd9f873-37d2-47f3-98f8-1d611be753d4","¿Cómo puede Spendesk ayudar a mejorar el control de costes?",{"type":79,"content":3018},[3019],{"type":82,"attrs":3020,"content":3021},{"textAlign":27},[3022],{"text":3023,"type":88},"Spendesk ayuda a centralizar la gestión de gastos, vincular las solicitudes y las aprobaciones con los presupuestos y consultar el impacto previsto antes de aprobar un gasto. También mejora la visibilidad y la trazabilidad de la información, lo que permite a los equipos financieros tomar decisiones con una visión más completa.",{"_uid":3025,"title":3026,"component":1190,"description":3027},"8427c66e-c068-4401-85ab-a91acccec289","¿Puede Spendesk conectarse con mi software contable?",{"type":79,"content":3028},[3029],{"type":82,"attrs":3030,"content":3031},{"textAlign":27},[3032],{"text":3033,"type":88},"Spendesk puede preparar los datos de gasto para exportarlos o sincronizarlos con herramientas contables mediante integraciones, exportaciones o una API, en función del producto, la configuración y el plan contratado. La compatibilidad con una herramienta concreta debe confirmarse antes de contratar.",[3035],{"cta":3036,"_uid":3037,"title":3038,"eyebrow":3045,"subtitle":3050,"component":171,"textAlign":24,"flexibleSection":3055,"sectionSettings":3056,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"6530a95a-6300-4bed-b52d-1a6ee61c001e",{"type":79,"content":3039},[3040],{"type":171,"attrs":3041,"content":3042},{"level":173,"textAlign":27},[3043],{"text":3044,"type":88},"Preguntas frecuentes",{"type":79,"content":3046},[3047],{"type":82,"attrs":3048,"content":3049},{"textAlign":27},[],{"type":79,"content":3051},[3052],{"type":82,"attrs":3053,"content":3054},{"textAlign":27},[],[],[],"homologacion-portales-de-proveedores","es/blog/homologacion-portales-de-proveedores",-2880,[],"890ad3bf-eaa7-4c17-afda-5b636834e6b1","2026-08-26T16:07:14.527Z",[],"blog/homologacion-portales-de-proveedores",[3066,3067,3068],{"path":3064,"name":27,"lang":39,"published":27},{"path":3064,"name":27,"lang":41,"published":27},{"path":3064,"name":27,"lang":34,"published":27},{"name":3070,"created_at":3071,"published_at":3072,"updated_at":3073,"id":3074,"uuid":3075,"content":3076,"slug":3187,"full_slug":3188,"sort_by_date":27,"position":3189,"tag_list":3190,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":3191,"first_published_at":3192,"release_id":27,"lang":34,"path":27,"alternates":3193,"default_full_slug":3194,"translated_slugs":3195},"Ficha de proveedores: plantilla, campos y modelo para empresas","2026-08-26T15:56:39.699Z","2026-08-27T11:06:56.335Z","2026-08-27T11:06:56.371Z",213279538023721,"c22f6ca7-22d6-4fbf-9349-1ef9038abd0a",{"_uid":3077,"title":3070,"topics":3078,"noIndex":30,"category":3087,"language":3096,"component":1151,"heroMedia":3097,"metaTitle":3098,"publishedAt":3099,"readingTime":3100,"redirectUrl":24,"listingImage":3101,"metaDescription":3109,"bottomArticleCta":3110,"componentsAfterTheArticle":3111},"1f70dcb5-f688-4089-84c5-ef56b52ee337",[3079],{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":3080,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":3081,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":3082,"default_full_slug":126,"translated_slugs":3083,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[3084,3085,3086],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":3088,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":3090,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":3091,"default_full_slug":1159,"translated_slugs":3092,"_stopResolving":43},{"_uid":1145,"icon":3089,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[3093,3094,3095],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Ficha de proveedores: plantilla, campos y modelo","2026-08-05 00:00","17",[3102],{"_uid":3103,"asset":3104,"caption":24,"component":1179},"e7f5e052-d844-48ce-a9c6-b8b01a495d1d",{"id":3105,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3106,"copyright":24,"fieldtype":67,"meta_data":3107,"is_external_url":30},213562154249979,"https://a.storyblok.com/f/146026/1536x1024/532e49ba6c/ficha-de-proveedores.png",{"size":3108},"1536x1024","Ficha de proveedores: descubre qué campos incluir y consulta una plantilla de Excel con un modelo y un ejemplo para organizar y mantener datos fiables.",[],[3112],{"_uid":3113,"items":3114,"heading":3165,"component":1257},"70c14829-e41d-41a2-ae21-5afdcad57cc0",[3115,3125,3135,3145,3155],{"_uid":3116,"title":3117,"component":1190,"description":3118},"aa66f489-8604-4db1-bea7-de8ecad6546d","¿Cuáles son los campos mínimos de una ficha de proveedor?",{"type":79,"content":3119},[3120],{"type":82,"attrs":3121,"content":3122},{"textAlign":27},[3123],{"text":3124,"type":88},"No existe una lista universal de campos obligatorios para todos los maestros de proveedores. Como base, suele ser útil registrar la denominación legal, el NIF, un contacto, el estado del proveedor y, cuando sea necesario para pagar, los datos bancarios y las condiciones de pago. Los campos concretos dependen de la entidad, el país, el tipo de operación y los controles internos.",{"_uid":3126,"title":3127,"component":1190,"description":3128},"fd9cad58-a254-4599-ab13-71cd1b53a876","¿Cuál es la diferencia entre denominación legal y nombre comercial?",{"type":79,"content":3129},[3130],{"type":82,"attrs":3131,"content":3132},{"textAlign":27},[3133],{"text":3134,"type":88},"La denominación legal es el nombre con el que la empresa o el profesional está identificado legal y fiscalmente. El nombre comercial es la marca con la que opera en el mercado. Pueden coincidir o ser diferentes. En las facturas debe utilizarse la identificación exigida por la normativa de facturación, no únicamente la marca comercial.",{"_uid":3136,"title":3137,"component":1190,"description":3138},"b89ecdfe-e537-40cc-84b4-8e8e5867c26b","¿Cuánto tiempo hay que conservar los datos de un proveedor?",{"type":79,"content":3139},[3140],{"type":82,"attrs":3141,"content":3142},{"textAlign":27},[3143],{"text":3144,"type":88},"No existe un único plazo aplicable a todos los datos del proveedor. Las facturas y justificantes fiscales suelen estar sujetos al plazo de prescripción tributaria aplicable, normalmente cuatro años, mientras que los libros y la documentación mercantil deben conservarse durante seis años desde el último asiento realizado en los libros. Pueden aplicarse plazos especiales más largos. Conserva el histórico necesario para justificar las operaciones y elimina o bloquea los datos personales cuando ya no exista una finalidad o una obligación que justifique conservarlos.",{"_uid":3146,"title":3147,"component":1190,"description":3148},"4363da7c-dff9-48e2-bd52-1f984495b285","¿Qué datos bancarios necesito para pagar a un proveedor?",{"type":79,"content":3149},[3150],{"type":82,"attrs":3151,"content":3152},{"textAlign":27},[3153],{"text":3154,"type":88},"El IBAN es el identificador principal de la cuenta en los pagos SEPA. En España tiene 24 caracteres, pero la longitud varía según el país. También debes registrar el método de pago y las condiciones acordadas. La validación estructural del IBAN puede detectar algunos errores de introducción, pero no confirma que la cuenta pertenezca al proveedor. Ante un alta o cambio de datos bancarios, utiliza un canal independiente para verificar la información.",{"_uid":3156,"title":3157,"component":1190,"description":3158},"e25dca40-69e6-43e5-836f-90078c356ae9","¿Es mejor una ficha de proveedores en Excel o en un software?",{"type":79,"content":3159},[3160],{"type":82,"attrs":3161,"content":3162},{"textAlign":27},[3163],{"text":3164,"type":88},"Depende del número de usuarios, las entidades, el volumen de operaciones, la necesidad de permisos y el nivel de trazabilidad que requiera la empresa. Excel puede ser suficiente para procesos sencillos. Un sistema centralizado puede resultar más adecuado cuando se necesitan controles de acceso, historial de cambios, relación con pedidos y facturas, y un registro común para varios equipos.",[3166],{"cta":3167,"_uid":3168,"title":3169,"eyebrow":3175,"subtitle":3180,"component":171,"textAlign":24,"flexibleSection":3185,"sectionSettings":3186,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"75af5439-dd80-4e9f-bc5a-d09eb461476c",{"type":79,"content":3170},[3171],{"type":171,"attrs":3172,"content":3173},{"level":173,"textAlign":27},[3174],{"text":3044,"type":88},{"type":79,"content":3176},[3177],{"type":82,"attrs":3178,"content":3179},{"textAlign":27},[],{"type":79,"content":3181},[3182],{"type":82,"attrs":3183,"content":3184},{"textAlign":27},[],[],[],"ficha-de-proveedores","es/blog/ficha-de-proveedores",-2850,[],"9aadce39-90fd-4b77-adc3-a13bced00c54","2026-08-26T16:07:11.146Z",[],"blog/ficha-de-proveedores",[3196,3197,3198],{"path":3194,"name":27,"lang":39,"published":27},{"path":3194,"name":27,"lang":41,"published":27},{"path":3194,"name":27,"lang":34,"published":27},{"name":3200,"created_at":3201,"published_at":3202,"updated_at":3203,"id":3204,"uuid":3205,"content":3206,"slug":3316,"full_slug":3317,"sort_by_date":27,"position":3318,"tag_list":3319,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":3320,"first_published_at":3321,"release_id":27,"lang":34,"path":27,"alternates":3322,"default_full_slug":3323,"translated_slugs":3324},"Software de compras y de la compra al pago: cómo elegir una herramienta para equipos financieros","2026-08-26T15:56:38.607Z","2026-08-27T10:55:17.918Z","2026-08-27T10:55:17.939Z",213279533546748,"6fbe7e8d-99d9-4dc0-b9d4-f2b989c02a54",{"_uid":3207,"title":3200,"topics":3208,"noIndex":30,"category":3217,"language":3226,"component":1151,"heroMedia":3227,"metaTitle":3228,"publishedAt":3229,"readingTime":3230,"redirectUrl":24,"listingImage":3231,"metaDescription":3238,"bottomArticleCta":3239,"componentsAfterTheArticle":3240},"344a3357-3ce2-4011-ab4d-5a1013736083",[3209],{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":3210,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":3211,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":3212,"default_full_slug":126,"translated_slugs":3213,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[3214,3215,3216],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":3218,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":3220,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":3221,"default_full_slug":1159,"translated_slugs":3222,"_stopResolving":43},{"_uid":1145,"icon":3219,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[3223,3224,3225],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Software de compras y procure-to-pay: cómo elegir","2026-08-04 00:00","16",[3232],{"_uid":3233,"asset":3234,"caption":24,"component":1179},"29b7ddcd-1df7-4516-b9a1-f5f6df1121f4",{"id":3235,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3236,"copyright":24,"fieldtype":67,"meta_data":3237,"is_external_url":30},213559290986096,"https://a.storyblok.com/f/146026/1536x1024/255fadd1fe/software-de-compras-procure-to-pay.png",{"size":3108},"El proceso de compras fragmentado genera sorpresas al cierre. Descubre cómo elegir un software que conecte solicitud, aprobación y pago en un único flujo.",[],[3241],{"_uid":3242,"items":3243,"heading":3294,"component":1257},"694060cd-7f73-4d21-964e-bfc3d015e288",[3244,3254,3264,3274,3284],{"_uid":3245,"title":3246,"component":1190,"description":3247},"20410847-1c86-448c-bf8d-5e5b9610fec4","¿Qué es el proceso de compras?",{"type":79,"content":3248},[3249],{"type":82,"attrs":3250,"content":3251},{"textAlign":27},[3252],{"text":3253,"type":88},"Es el conjunto de actividades que va desde la solicitud de un bien o servicio hasta su recepción, validación, contabilización y pago. El número de pasos varía según la organización, el tipo de compra y los controles internos.",{"_uid":3255,"title":3256,"component":1190,"description":3257},"956cf1c7-ea52-4e4c-86a9-1476d4a6c71a","¿En qué se diferencia el procure-to-pay de un ERP?",{"type":79,"content":3258},[3259],{"type":82,"attrs":3260,"content":3261},{"textAlign":27},[3262],{"text":3263,"type":88},"El ERP gestiona la contabilidad general y otros módulos de negocio. El procure-to-pay se centra en conectar la solicitud, la aprobación, el pedido, la recepción, la factura y el pago en un flujo trazable. Algunas soluciones P2P se integran con el ERP para intercambiar datos, pero no lo sustituyen necesariamente.",{"_uid":3265,"title":3266,"component":1190,"description":3267},"89a515a1-b236-44f1-8bed-aa54da5bd802","¿Necesito un software de compras si ya tengo una gestoría o un ERP?",{"type":79,"content":3268},[3269],{"type":82,"attrs":3270,"content":3271},{"textAlign":27},[3272],{"text":3273,"type":88},"No siempre. Depende de si el ERP o la gestoría cubren también la solicitud, la aprobación, el control presupuestario y la trazabilidad previa al gasto. Si esos procesos se gestionan por correo o en hojas de cálculo, una herramienta especializada puede ayudar a estructurarlos y a enviar los datos validados al sistema contable.",{"_uid":3275,"title":3276,"component":1190,"description":3277},"a75afb36-ff3d-4435-90a6-7d03a1618aed","¿Cómo puede ayudar la automatización en la evaluación y el onboarding de proveedores?",{"type":79,"content":3278},[3279],{"type":82,"attrs":3280,"content":3281},{"textAlign":27},[3282],{"text":3283,"type":88},"Centralizar los datos de proveedores y contratos puede facilitar la consulta de condiciones y fechas de renovación. Los controles sobre los cambios de datos bancarios, incluida la confirmación independiente y, cuando esté disponible, la verificación del beneficiario, pueden ayudar a detectar algunas discrepancias. Ninguna de estas medidas garantiza por sí sola la prevención del fraude o de los pagos duplicados.",{"_uid":3285,"title":3286,"component":1190,"description":3287},"9b2055bf-4352-4e62-b5f3-1df3804e80f9","¿Cuál es el mejor software de compras para una empresa mediana?",{"type":79,"content":3288},[3289],{"type":82,"attrs":3290,"content":3291},{"textAlign":27},[3292],{"text":3293,"type":88},"Depende del volumen, la complejidad de las aprobaciones, el número de entidades, los controles necesarios y las integraciones disponibles. Conviene buscar una solución que combine solicitudes, aprobaciones, visibilidad del gasto, pagos y conexión con el software contable que utiliza la empresa. La disponibilidad de cada función debe confirmarse para el país y la configuración 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Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":3691,"title":3692,"component":1190,"description":3693},"2d2f199c-768f-4311-ad9c-01d5d4b9a7a9","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":79,"content":3694},[3695],{"type":82,"attrs":3696,"content":3697},{"textAlign":27},[3698],{"text":3699,"type":88},"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":3701,"title":3702,"component":1190,"description":3703},"63d190c0-3c99-46fe-ad81-bf5387a86407","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":79,"content":3704},[3705],{"type":82,"attrs":3706,"content":3707},{"textAlign":27},[3708],{"text":3709,"type":88},"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":3711,"title":3712,"component":1190,"description":3713},"071f8fe8-6df9-47c2-b583-ef1168c36e2e","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":79,"content":3714},[3715],{"type":82,"attrs":3716,"content":3717},{"textAlign":27},[3718],{"text":3719,"type":88},"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":3721,"title":3722,"component":1190,"description":3723},"4de825b9-4c40-40ea-a669-61d8b133daab","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":79,"content":3724},[3725],{"type":82,"attrs":3726,"content":3727},{"textAlign":27},[3728],{"text":3729,"type":88},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. Sin él, debes aplicar el tipo interno: 24 % o 19 % para residentes en la UE, Islandia o Noruega.",[3731],{"cta":3732,"_uid":3733,"title":3734,"eyebrow":3740,"subtitle":3745,"component":171,"textAlign":24,"flexibleSection":3750,"sectionSettings":3751,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"56d8941f-4368-4ebf-b3fa-30abb22e5a34",{"type":79,"content":3735},[3736],{"type":171,"attrs":3737,"content":3738},{"level":173,"textAlign":27},[3739],{"text":3044,"type":88},{"type":79,"content":3741},[3742],{"type":82,"attrs":3743,"content":3744},{"textAlign":27},[],{"type":79,"content":3746},[3747],{"type":82,"attrs":3748,"content":3749},{"textAlign":27},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2400,[],"a3f091f5-323c-4173-a95e-1977530b00e3","2026-08-10T14:39:56.884Z",[],"blog/modelo-210-no-residentes",[3761,3762,3763],{"path":3759,"name":27,"lang":39,"published":27},{"path":3759,"name":27,"lang":41,"published":27},{"path":3759,"name":27,"lang":34,"published":27},{"name":3765,"created_at":3766,"published_at":3767,"updated_at":3768,"id":3769,"uuid":3770,"content":3771,"slug":3928,"full_slug":3929,"sort_by_date":27,"position":3930,"tag_list":3931,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":3932,"first_published_at":3933,"release_id":27,"lang":34,"path":27,"alternates":3934,"default_full_slug":3935,"translated_slugs":3936},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-27T10:48:13.300Z","2026-08-27T10:48:13.315Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":3772,"title":3765,"topics":3773,"noIndex":30,"category":3790,"language":3799,"component":1151,"heroMedia":3800,"metaTitle":3801,"publishedAt":3520,"readingTime":3521,"redirectUrl":24,"listingImage":3802,"metaDescription":3809,"bottomArticleCta":3810,"componentsAfterTheArticle":3811},"0d225812-4d55-44c2-b89f-006658f0f075",[3774,3782],{"name":1356,"created_at":3339,"published_at":3340,"updated_at":3341,"id":3342,"uuid":3343,"content":3775,"slug":3345,"full_slug":3346,"sort_by_date":27,"position":120,"tag_list":3776,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":3348,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":3777,"default_full_slug":3350,"translated_slugs":3778,"_stopResolving":43},{"_uid":117,"name":1356,"component":23},[],[],[3779,3780,3781],{"path":3350,"name":27,"lang":39,"published":27},{"path":3350,"name":27,"lang":41,"published":27},{"path":3350,"name":27,"lang":34,"published":27},{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":3783,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":3784,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":3785,"default_full_slug":126,"translated_slugs":3786,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[3787,3788,3789],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":3791,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":3793,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":3794,"default_full_slug":1159,"translated_slugs":3795,"_stopResolving":43},{"_uid":1145,"icon":3792,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[3796,3797,3798],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f",[3803],{"_uid":3804,"asset":3805,"caption":24,"component":1179},"8d7934aa-bd72-45e4-bf37-d78357884d0b",{"id":3806,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3807,"copyright":24,"fieldtype":67,"meta_data":3808,"is_external_url":30},213557579976256,"https://a.storyblok.com/f/146026/1536x1024/07d9ae630e/modelo-111-irpf-retenciones.png",{"size":3108},"Guía del Modelo 111: qué declara la empresa, cómo se rellena casilla a casilla y los plazos del 3T ante la AEAT. Cuadra el 190 y evita recargos.",[],[3812],{"_uid":3813,"items":3814,"heading":3906,"component":1257},"3a0a0e64-8720-4af2-91c3-673414935f4a",[3815,3848,3866,3876,3886,3896],{"_uid":3816,"title":3817,"component":1190,"description":3818},"36103d57-5f5a-4af1-b116-c29162526b19","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":79,"content":3819},[3820],{"type":82,"attrs":3821,"content":3822},{"textAlign":27},[3823,3825,3831,3833,3839,3841,3847],{"text":3824,"type":88},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":3826,"type":88,"marks":3827}," Modelo 190 es su resumen anual informativo",[3828],{"type":248,"attrs":3829},{"href":3830,"uuid":27,"anchor":27,"target":2305,"linktype":70},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":3832,"type":88},". Las retenciones de alquileres se declaran mediante el",{"text":3834,"type":88,"marks":3835}," Modelo 115",[3836],{"type":248,"attrs":3837},{"href":3838,"uuid":27,"anchor":27,"target":2305,"linktype":70},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":3840,"type":88}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":3842,"type":88,"marks":3843}," Modelo 130",[3844],{"type":248,"attrs":3845},{"href":3846,"uuid":27,"anchor":27,"target":2305,"linktype":70},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":343,"type":88},{"_uid":3849,"title":3850,"component":1190,"description":3851},"9abeccc9-21dd-4c0a-825b-d1de2694bb12","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":79,"content":3852},[3853],{"type":82,"attrs":3854,"content":3855},{"textAlign":27},[3856,3858,3864],{"text":3857,"type":88},"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":3859,"type":88,"marks":3860}," Modelo 111, en casillas separadas",[3861],{"type":248,"attrs":3862},{"href":3863,"uuid":27,"anchor":27,"target":2305,"linktype":70},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":3865,"type":88},". 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":3867,"title":3868,"component":1190,"description":3869},"4c266973-9d31-48f8-8102-ab45080ccaca","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":79,"content":3870},[3871],{"type":82,"attrs":3872,"content":3873},{"textAlign":27},[3874],{"text":3875,"type":88},"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":3877,"title":3878,"component":1190,"description":3879},"0d57caab-2cb2-4026-89b4-edfbb27fa3c7","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":79,"content":3880},[3881],{"type":82,"attrs":3882,"content":3883},{"textAlign":27},[3884],{"text":3885,"type":88},"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":3887,"title":3888,"component":1190,"description":3889},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":79,"content":3890},[3891],{"type":82,"attrs":3892,"content":3893},{"textAlign":27},[3894],{"text":3895,"type":88},"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":3897,"title":3898,"component":1190,"description":3899},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":79,"content":3900},[3901],{"type":82,"attrs":3902,"content":3903},{"textAlign":27},[3904],{"text":3905,"type":88},"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.",[3907],{"cta":3908,"_uid":3909,"title":3910,"eyebrow":3916,"subtitle":3921,"component":171,"textAlign":24,"flexibleSection":3926,"sectionSettings":3927,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":79,"content":3911},[3912],{"type":171,"attrs":3913,"content":3914},{"level":173,"textAlign":27},[3915],{"text":3044,"type":88},{"type":79,"content":3917},[3918],{"type":82,"attrs":3919,"content":3920},{"textAlign":27},[],{"type":79,"content":3922},[3923],{"type":82,"attrs":3924,"content":3925},{"textAlign":27},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2390,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7","2026-08-10T14:39:54.001Z",[],"blog/modelo-111-irpf-retenciones",[3937,3938,3939],{"path":3935,"name":27,"lang":39,"published":27},{"path":3935,"name":27,"lang":41,"published":27},{"path":3935,"name":27,"lang":34,"published":27},{"name":3941,"created_at":3942,"published_at":3943,"updated_at":3944,"id":3945,"uuid":3946,"content":3947,"slug":4083,"full_slug":4084,"sort_by_date":27,"position":4085,"tag_list":4086,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":4087,"first_published_at":4088,"release_id":27,"lang":34,"path":27,"alternates":4089,"default_full_slug":4090,"translated_slugs":4091},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-09-27T17:16:08.747Z","2026-09-27T17:16:08.775Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":3948,"title":3941,"topics":3949,"noIndex":30,"category":3966,"language":3975,"component":1151,"heroMedia":3976,"metaTitle":3977,"publishedAt":3978,"readingTime":3979,"redirectUrl":24,"listingImage":3980,"metaDescription":3987,"bottomArticleCta":3988,"componentsAfterTheArticle":4006},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3950,3958],{"name":1356,"created_at":3339,"published_at":3340,"updated_at":3341,"id":3342,"uuid":3343,"content":3951,"slug":3345,"full_slug":3346,"sort_by_date":27,"position":120,"tag_list":3952,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":3348,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":3953,"default_full_slug":3350,"translated_slugs":3954,"_stopResolving":43},{"_uid":117,"name":1356,"component":23},[],[],[3955,3956,3957],{"path":3350,"name":27,"lang":39,"published":27},{"path":3350,"name":27,"lang":41,"published":27},{"path":3350,"name":27,"lang":34,"published":27},{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":3959,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":3960,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":3961,"default_full_slug":126,"translated_slugs":3962,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[3963,3964,3965],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":3967,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":3969,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":3970,"default_full_slug":1159,"translated_slugs":3971,"_stopResolving":43},{"_uid":1145,"icon":3968,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[3972,3973,3974],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00","13",[3981],{"_uid":3982,"asset":3983,"caption":24,"component":1179},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3984,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3985,"copyright":24,"fieldtype":67,"meta_data":3986,"is_external_url":30},198050494748961,"https://a.storyblok.com/f/146026/1538x858/a3a2285d8a/spendesk_blog_cover_periodo_pago_v2.jpg",{},"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[3989],{"cta":3990,"_uid":3997,"image":3998,"title":4003,"subtitle":24,"component":2620,"imageFullWidth":43},[3991],{"tag":24,"_uid":3992,"hide":30,"icon":3993,"link":3995,"type":24,"label":24,"style":72,"component":73,"mobileLabel":24,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"18b974e1-44aa-48ee-a066-0b64da9610d3",{"id":27,"alt":27,"name":24,"focus":27,"title":27,"source":27,"filename":24,"copyright":27,"fieldtype":67,"meta_data":3994},{},{"id":1890,"url":24,"linktype":1173,"fieldtype":71,"cached_url":1891,"prep":43,"story":3996},{"name":1893,"id":1894,"uuid":1890,"slug":1895,"url":1896,"full_slug":1897,"_stopResolving":43},"a3e81fd9-5d12-4766-bcf9-52093d9e094f",{"id":3999,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":4000,"copyright":24,"fieldtype":67,"meta_data":4001,"is_external_url":30},222395358447793,"https://a.storyblok.com/f/146026/1700x465/eb18d1660e/bcn-es.png",{"size":4002},"1700x465",{"type":79,"content":4004},[4005],{"type":82},[4007],{"_uid":4008,"items":4009,"heading":1570,"component":1257},"d437e15a-ca83-40ff-962f-928bbc083496",[4010,4028,4038,4048,4058],{"_uid":4011,"title":4012,"component":1190,"description":4013},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":79,"content":4014},[4015],{"type":82,"attrs":4016,"content":4017},{"textAlign":27},[4018,4020,4026],{"text":4019,"type":88},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":4021,"type":88,"marks":4022},"Ley 15/2010",[4023],{"type":248,"attrs":4024},{"href":4025,"uuid":27,"anchor":27,"target":2305,"linktype":70},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":4027,"type":88},". 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":4029,"title":4030,"component":1190,"description":4031},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":79,"content":4032},[4033],{"type":82,"attrs":4034,"content":4035},{"textAlign":27},[4036],{"text":4037,"type":88},"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":4039,"title":4040,"component":1190,"description":4041},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":79,"content":4042},[4043],{"type":82,"attrs":4044,"content":4045},{"textAlign":27},[4046],{"text":4047,"type":88},"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":4049,"title":4050,"component":1190,"description":4051},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":79,"content":4052},[4053],{"type":82,"attrs":4054,"content":4055},{"textAlign":27},[4056],{"text":4057,"type":88},"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":4059,"title":4060,"component":1190,"description":4061},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":79,"content":4062},[4063],{"type":82,"attrs":4064,"content":4065},{"textAlign":27},[4066,4068,4074,4076,4082],{"text":4067,"type":88},"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":4069,"type":88,"marks":4070},"conciliación",[4071],{"type":248,"attrs":4072},{"href":4073,"uuid":27,"anchor":27,"target":2305,"linktype":70},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":4075,"type":88},"), 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":4077,"type":88,"marks":4078},"visita spendesk.com/es/",[4079],{"type":248,"attrs":4080},{"href":4081,"uuid":27,"anchor":27,"target":2305,"linktype":70},"https://www.spendesk.com/es/",{"text":343,"type":88},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1770,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02","2026-06-02T11:11:52.472Z",[],"blog/calculo-periodo-medio-pago-proveedores",[4092,4093,4094],{"path":4090,"name":27,"lang":39,"published":27},{"path":4090,"name":27,"lang":41,"published":27},{"path":4090,"name":27,"lang":34,"published":27},{"name":4096,"created_at":4097,"published_at":4098,"updated_at":4099,"id":4100,"uuid":4101,"content":4102,"slug":4217,"full_slug":4218,"sort_by_date":27,"position":4219,"tag_list":4220,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":4221,"first_published_at":4222,"release_id":27,"lang":34,"path":27,"alternates":4223,"default_full_slug":4224,"translated_slugs":4225},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos prácticos","2026-06-02T11:10:02.127Z","2026-07-15T12:15:25.022Z","2026-09-27T17:22:29.388Z",183128072765908,"67e9d807-0f4a-4d91-9316-34ba5bf618ce",{"_uid":4103,"title":4096,"topics":4104,"noIndex":30,"category":4121,"language":4130,"component":1151,"heroMedia":4131,"metaTitle":4132,"publishedAt":4133,"readingTime":3521,"redirectUrl":24,"listingImage":4134,"metaDescription":4141,"bottomArticleCta":4142,"componentsAfterTheArticle":4143},"c037fbcf-4158-4dad-96d1-4603185c9798",[4105,4113],{"name":1356,"created_at":3339,"published_at":3340,"updated_at":3341,"id":3342,"uuid":3343,"content":4106,"slug":3345,"full_slug":3346,"sort_by_date":27,"position":120,"tag_list":4107,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":3348,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":4108,"default_full_slug":3350,"translated_slugs":4109,"_stopResolving":43},{"_uid":117,"name":1356,"component":23},[],[],[4110,4111,4112],{"path":3350,"name":27,"lang":39,"published":27},{"path":3350,"name":27,"lang":41,"published":27},{"path":3350,"name":27,"lang":34,"published":27},{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":4114,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":4115,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":4116,"default_full_slug":126,"translated_slugs":4117,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[4118,4119,4120],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":4122,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":4124,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":4125,"default_full_slug":1159,"translated_slugs":4126,"_stopResolving":43},{"_uid":1145,"icon":4123,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[4127,4128,4129],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[4135],{"_uid":4136,"asset":4137,"caption":24,"component":1179},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":4138,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":4139,"copyright":24,"fieldtype":67,"meta_data":4140,"is_external_url":30},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.",[],[4144],{"_uid":4145,"items":4146,"heading":1570,"component":1257},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[4147,4157,4167,4177,4187,4197,4207],{"_uid":4148,"title":4149,"component":1190,"description":4150},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":79,"content":4151},[4152],{"type":82,"attrs":4153,"content":4154},{"textAlign":27},[4155],{"text":4156,"type":88},"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":4158,"title":4159,"component":1190,"description":4160},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":79,"content":4161},[4162],{"type":82,"attrs":4163,"content":4164},{"textAlign":27},[4165],{"text":4166,"type":88},"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":4168,"title":4169,"component":1190,"description":4170},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":79,"content":4171},[4172],{"type":82,"attrs":4173,"content":4174},{"textAlign":27},[4175],{"text":4176,"type":88},"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":4178,"title":4179,"component":1190,"description":4180},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":79,"content":4181},[4182],{"type":82,"attrs":4183,"content":4184},{"textAlign":27},[4185],{"text":4186,"type":88},"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":4188,"title":4189,"component":1190,"description":4190},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":79,"content":4191},[4192],{"type":82,"attrs":4193,"content":4194},{"textAlign":27},[4195],{"text":4196,"type":88},"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":4198,"title":4199,"component":1190,"description":4200},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":79,"content":4201},[4202],{"type":82,"attrs":4203,"content":4204},{"textAlign":27},[4205],{"text":4206,"type":88},"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":4208,"title":4209,"component":1190,"description":4210},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":79,"content":4211},[4212],{"type":82,"attrs":4213,"content":4214},{"textAlign":27},[4215],{"text":4216,"type":88},"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",-1750,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[4226,4227,4228],{"path":4224,"name":27,"lang":39,"published":27},{"path":4224,"name":27,"lang":41,"published":27},{"path":4224,"name":27,"lang":34,"published":27},{"name":4230,"created_at":4231,"published_at":4232,"updated_at":4233,"id":4234,"uuid":4235,"content":4236,"slug":4355,"full_slug":4356,"sort_by_date":27,"position":4357,"tag_list":4358,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":4359,"first_published_at":4360,"release_id":27,"lang":34,"path":27,"alternates":4361,"default_full_slug":4362,"translated_slugs":4363},"Ley Crea y Crece: plazos, requisitos y pasos para cumplir con la factura electrónica obligatoria","2026-06-02T11:09:18.499Z","2026-09-27T17:07:22.511Z","2026-09-27T17:07:22.538Z",183127894073824,"ceb5242e-7821-4046-a9fe-36191d9c08ac",{"_uid":4237,"title":4238,"topics":4239,"noIndex":30,"category":4256,"language":4265,"component":1151,"heroMedia":4266,"metaTitle":4267,"publishedAt":4268,"readingTime":3521,"redirectUrl":24,"listingImage":4269,"metaDescription":4276,"bottomArticleCta":4277,"componentsAfterTheArticle":4301},"130c6183-fc6a-430e-a0a8-9a1a8702f297","Ley Crea y Crece y factura electrónica: plazos, requisitos y cómo cumplir en 2026",[4240,4248],{"name":1356,"created_at":3339,"published_at":3340,"updated_at":3341,"id":3342,"uuid":3343,"content":4241,"slug":3345,"full_slug":3346,"sort_by_date":27,"position":120,"tag_list":4242,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":3348,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":4243,"default_full_slug":3350,"translated_slugs":4244,"_stopResolving":43},{"_uid":117,"name":1356,"component":23},[],[],[4245,4246,4247],{"path":3350,"name":27,"lang":39,"published":27},{"path":3350,"name":27,"lang":41,"published":27},{"path":3350,"name":27,"lang":34,"published":27},{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":4249,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":4250,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":4251,"default_full_slug":126,"translated_slugs":4252,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[4253,4254,4255],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":4257,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":4259,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":4260,"default_full_slug":1159,"translated_slugs":4261,"_stopResolving":43},{"_uid":1145,"icon":4258,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[4262,4263,4264],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co","2026-04-23 00:00",[4270],{"_uid":4271,"asset":4272,"caption":24,"component":1179},"4fe17535-01b6-4bff-824b-48b60abdd21e",{"id":4273,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":4274,"copyright":24,"fieldtype":67,"meta_data":4275,"is_external_url":30},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.",[4278],{"cta":4279,"_uid":4287,"image":4288,"title":4290,"subtitle":4300,"component":2620,"imageFullWidth":43},[4280],{"tag":24,"_uid":4281,"hide":30,"icon":4282,"link":4284,"type":24,"label":4286,"style":72,"component":73,"mobileLabel":24,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"c152bc5b-ee22-4058-b474-92a5131f151f",{"id":27,"alt":27,"name":24,"focus":27,"title":27,"source":27,"filename":24,"copyright":27,"fieldtype":67,"meta_data":4283},{},{"id":2656,"url":24,"linktype":1173,"fieldtype":71,"cached_url":2657,"prep":43,"story":4285},{"name":2659,"id":2660,"uuid":2656,"slug":2661,"url":2661,"full_slug":2662,"_stopResolving":43},"Solicita una demo","b0651bd3-9637-471d-bcaa-b3cc584ecee4",{"id":3999,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":4000,"copyright":24,"fieldtype":67,"meta_data":4289,"is_external_url":30},{"size":4002},{"type":79,"attrs":4291,"content":4292},{"backgroundColor":27},[4293],{"type":82,"attrs":4294,"content":4295},{"textAlign":27},[4296],{"text":4297,"type":88,"marks":4298},"Prepárate para la factura electrónica obligatoria",[4299],{"type":1917},"Conoce cómo Spendesk puede ayudarte a modernizar la gestión de tus facturas y a preparar tus procesos financieros para la Ley Crea y Crece.",[4302],{"_uid":4303,"items":4304,"heading":1570,"component":1257},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[4305,4315,4325,4335,4345],{"_uid":4306,"title":4307,"component":1190,"description":4308},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":79,"content":4309},[4310],{"type":82,"attrs":4311,"content":4312},{"textAlign":27},[4313],{"text":4314,"type":88},"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":4316,"title":4317,"component":1190,"description":4318},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":79,"content":4319},[4320],{"type":82,"attrs":4321,"content":4322},{"textAlign":27},[4323],{"text":4324,"type":88},"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":4326,"title":4327,"component":1190,"description":4328},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":79,"content":4329},[4330],{"type":82,"attrs":4331,"content":4332},{"textAlign":27},[4333],{"text":4334,"type":88},"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":4336,"title":4337,"component":1190,"description":4338},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":79,"content":4339},[4340],{"type":82,"attrs":4341,"content":4342},{"textAlign":27},[4343],{"text":4344,"type":88},"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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