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tiene un objetivo: eliminar las molestias de gastar en el trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[127,128,129],{"path":125,"name":25,"lang":37,"published":25},{"path":125,"name":25,"lang":39,"published":25},{"path":125,"name":25,"lang":32,"published":25},[131],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":137,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":142,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":146,"default_full_slug":147,"translated_slugs":148,"_stopResolving":41},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":138,"name":132,"component":22},"a2c58a16-f495-475f-951f-05171468aae4","equipos-financieros","es/blog/topic/equipos-financieros",-530,[],176456153,"37251365-a886-4869-8f3b-1976331cbcf4","2022-11-02T15:24:39.815Z",[],"blog/topic/equipos-financieros",[149,150,151],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"type":107,"content":153},[154,159,166,172,178,183,189,195,201,207,213,219,225,231,237,242,248,318,324,330,336,342,348,354,360,365,370,375,380,385,390,395,400,413,418,423,428,433,446,451,456,461,466,471,484,489,494,499,504,509,514,519,531,536,542,548,554,559,618,620,625],{"type":110,"attrs":155,"content":156},{"textAlign":25,"key":112},[157],{"text":158,"type":116},"Contratar un nuevo proveedor de embalaje suele implicar procesos lentos y con muchos errores. Llegan presupuestos por correo, documentos fiscales en PDF, un certificado de la Seguridad Social que quizá ya no esté vigente y una hoja de cálculo con datos copiados a mano. Pueden pasar dos semanas antes de lanzar el primer pedido, mientras el equipo de compras sigue sin saber si el proveedor cumple los requisitos definidos por la empresa. Esta fricción es habitual, pero evitable. En las siguientes secciones encontrarás un flujo ordenado para evaluar y homologar proveedores, reunir la documentación de alta, elegir o migrar un portal seguro y gobernar la relación a largo plazo.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},2,[164],{"text":165,"type":116},"Evaluar y homologar proveedores: el orden que reduce riesgos",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170],{"text":171,"type":116},"La homologación de proveedores es el proceso de validar que un proveedor cumple los requisitos de calidad, solvencia financiera, capacidad operativa y, cuando corresponde, cumplimiento normativo antes de empezar a trabajar con él. No es lo mismo que la precalificación, un filtro previo para descartar candidatos que no cumplen unos mínimos básicos. Tampoco equivale a la selección de proveedores, que implica elegir entre candidatos ya evaluados.",{"type":110,"attrs":173,"content":175},{"textAlign":25,"key":174},"p-2",[176],{"text":177,"type":116},"El orden importa: primero se precalifica para reducir la lista, después se homologa a los finalistas y, finalmente, se selecciona al proveedor que mejor encaja con las necesidades concretas de la empresa. Saltarse la homologación puede traducirse en retrasos, sobrecostes o riesgos contractuales y operativos que afloran cuando ya es tarde para corregirlos.",{"type":160,"attrs":179,"content":180},{"level":162,"textAlign":25},[181],{"text":182,"type":116},"¿Qué criterios seguir para elegir un proveedor de suministros fiable en España?",{"type":110,"attrs":184,"content":186},{"textAlign":25,"key":185},"p-3",[187],{"text":188,"type":116},"La solvencia financiera es un punto de partida. Puedes consultar el Registro Mercantil y, cuando estén disponibles, las cuentas anuales depositadas para identificar señales de riesgo. Añade criterios de calidad y capacidad de entrega, plazos comprometidos, certificaciones sectoriales y referencias de clientes con necesidades similares.",{"type":110,"attrs":190,"content":192},{"textAlign":25,"key":191},"p-4",[193],{"text":194,"type":116},"El cumplimiento fiscal y laboral debe evaluarse según el tipo de relación, la actividad y el nivel de riesgo. Solicitar un certificado de estar al corriente con la Agencia Tributaria o con la Seguridad Social puede formar parte de la política interna de homologación, de un contrato o de un procedimiento de contratación pública. Fuera de los supuestos legalmente previstos, no existe una obligación general de recabar estos certificados para todos los proveedores privados ni antes de cada pago.",{"type":110,"attrs":196,"content":198},{"textAlign":25,"key":197},"p-5",[199],{"text":200,"type":116},"Por ejemplo, un controller financiero que compara tres proveedores de material de oficina puede detectar que el certificado de Seguridad Social de uno de ellos no está vigente o refleja una situación que requiere revisión. Ese dato no convierte automáticamente al proveedor en inadecuado para cualquier relación privada, pero sí justifica solicitar información actualizada y valorar el riesgo antes de contratar.",{"type":110,"attrs":202,"content":204},{"textAlign":25,"key":203},"p-6",[205],{"text":206,"type":116},"En determinadas contratas y subcontratas de obras o servicios correspondientes a la propia actividad pueden aplicarse responsabilidades específicas. En materia de Seguridad Social, la empresa principal debe solicitar por escrito a la Tesorería General de la Seguridad Social una certificación negativa de descubiertos en los supuestos previstos por el artículo 42 del Estatuto de los Trabajadores. Si se cumplen las condiciones legales, la empresa principal puede responder solidariamente de determinadas obligaciones de Seguridad Social del contratista o subcontratista. Esta responsabilidad no se extiende automáticamente a cualquier proveedor ni a cualquier relación comercial.",{"type":110,"attrs":208,"content":210},{"textAlign":25,"key":209},"p-7",[211],{"text":212,"type":116},"La responsabilidad tributaria se rige por reglas diferentes. En determinados contratos o subcontratos de obras o servicios correspondientes a la actividad económica principal, puede existir responsabilidad tributaria subsidiaria sobre obligaciones concretas, como tributos repercutibles o cantidades que deban retenerse. No se trata de una responsabilidad general por cualquier deuda fiscal del proveedor.",{"type":110,"attrs":214,"content":216},{"textAlign":25,"key":215},"p-8",[217],{"text":218,"type":116},"Incorpora también criterios ambientales, sociales y de gobernanza (ESG). La información sobre la cadena de suministro puede ser relevante para algunos clientes, inversores, entidades financieras, licitaciones públicas y procesos de gestión de riesgos. Sin embargo, no existe una certificación ESG única ni una lista universal de documentos que todas las empresas deban exigir a todos sus proveedores. Los requisitos dependen del sector, el contrato, el tamaño de la empresa, la actividad y la normativa aplicable.",{"type":110,"attrs":220,"content":222},{"textAlign":25,"key":221},"p-9",[223],{"text":224,"type":116},"En contratación pública pueden incluirse criterios sociales y ambientales cuando estén relacionados con el objeto del contrato. Una licitación concreta puede solicitar una inscripción, una declaración, un cálculo de emisiones, un plan de reducción o una verificación independiente. La exigencia debe comprobarse en los pliegos y no debe presentarse como una obligación general para todos los proveedores.",{"type":110,"attrs":226,"content":228},{"textAlign":25,"key":227},"p-10",[229],{"text":230,"type":116},"Documenta cada criterio con un sistema de puntuación o una lista de comprobación para que la homologación sea reproducible y auditable. Un formulario estándar, con pesos asignados a cada criterio, permite comparar candidatos de forma más objetiva y deja un rastro claro para futuras revisiones.",{"type":110,"attrs":232,"content":234},{"textAlign":25,"key":233},"p-11",[235],{"text":236,"type":116},"Cuando la evaluación es sistemática, el equipo de finanzas puede justificar ante dirección por qué se elige a un proveedor y no a otro, y evitar discusiones posteriores sobre decisiones opacas.",{"type":160,"attrs":238,"content":239},{"level":162,"textAlign":25},[240],{"text":241,"type":116},"Qué documentación necesitas para dar de alta a un proveedor",{"type":110,"attrs":243,"content":245},{"textAlign":25,"key":244},"p-12",[246],{"text":247,"type":116},"El alta de proveedores formaliza la relación una vez superada la homologación. La documentación que suele solicitarse depende de la actividad, el riesgo, el país, el contrato y los procedimientos internos. En España, puede incluir:",{"type":249,"content":250},"bullet_list",[251,260,278,294,302],{"type":252,"content":253},"list_item",[254],{"type":110,"attrs":255,"content":257},{"textAlign":25,"key":256},"p-13",[258],{"text":259,"type":116},"Identificación fiscal, normalmente el NIF, y datos registrales cuando se trate de una sociedad.",{"type":252,"content":261},[262],{"type":110,"attrs":263,"content":265},{"textAlign":25,"key":264},"p-14",[266,268,276],{"text":267,"type":116},"Certificado de estar al corriente de las obligaciones tributarias de la",{"text":269,"type":116,"marks":270}," Agencia Tributaria (AEAT)",[271],{"type":272,"attrs":273},"link",{"href":274,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G304.shtml","_blank",{"text":277,"type":116},", cuando lo exija el contrato, la actividad o la política interna.",{"type":252,"content":279},[280],{"type":110,"attrs":281,"content":283},{"textAlign":25,"key":282},"p-15",[284,286,292],{"text":285,"type":116},"Certificado de estar al corriente con la",{"text":287,"type":116,"marks":288}," Seguridad Social",[289],{"type":272,"attrs":290},{"href":291,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://portal.seg-social.gob.es/wps/portal/importass/importass/Categorias/Consulta+de+pagos+y+deudas/CCertificado+de+estar+al+corriente+en+las+obligaciones+de+la+Seguridad+Social",{"text":293,"type":116},", cuando resulte aplicable.",{"type":252,"content":295},[296],{"type":110,"attrs":297,"content":299},{"textAlign":25,"key":298},"p-16",[300],{"text":301,"type":116},"Póliza de responsabilidad civil vigente, cuando la actividad, el contrato o una norma sectorial la exijan.",{"type":252,"content":303},[304],{"type":110,"attrs":305,"content":307},{"textAlign":25,"key":306},"p-17",[308,310,316],{"text":309,"type":116},"En caso de subcontratación de obras o servicios: la documentación preventiva relevante y, cuando proceda, la documentación de",{"text":311,"type":116,"marks":312}," coordinación de actividades empresariales (CAE)",[313],{"type":272,"attrs":314},{"href":315,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://www.insst.es/materias/transversales/gestion-prevencion/cae",{"text":317,"type":116},".",{"type":110,"attrs":319,"content":321},{"textAlign":25,"key":320},"p-18",[322],{"text":323,"type":116},"Cuando trabajadores de varias empresas coinciden en un mismo centro de trabajo, la CAE no consiste simplemente en intercambiar documentos. Las empresas deben coordinar la información sobre los riesgos, las instrucciones, las medidas preventivas y los procedimientos de actuación que resulten necesarios. Las obligaciones concretas dependen de las actividades, del centro de trabajo y del papel que desempeñe cada empresa.",{"type":110,"attrs":325,"content":327},{"textAlign":25,"key":326},"p-19",[328],{"text":329,"type":116},"Si la empresa actúa como empresario principal y contrata obras o servicios correspondientes a su propia actividad en su propio centro de trabajo, debe comprobar determinados aspectos preventivos del contratista antes del inicio de los trabajos. Entre ellos puede estar la acreditación escrita de la evaluación de riesgos y de la planificación preventiva correspondientes a los trabajos contratados, así como del cumplimiento de las obligaciones de información y formación de los trabajadores.",{"type":110,"attrs":331,"content":333},{"textAlign":25,"key":332},"p-20",[334],{"text":335,"type":116},"No existe una lista universal que obligue a recopilar el plan preventivo completo del proveedor ni un certificado individual idéntico para cada trabajador. La documentación debe ajustarse a los trabajos, los riesgos, las cualificaciones, las autorizaciones y las normas sectoriales aplicables. En obras de construcción pueden existir, además, requisitos específicos relacionados con el plan de seguridad y salud.",{"type":110,"attrs":337,"content":339},{"textAlign":25,"key":338},"p-21",[340],{"text":341,"type":116},"Esto explica por qué un responsable financiero puede frenar un pedido urgente si falta documentación necesaria para la contratación, o si el proveedor no ha aportado la información preventiva requerida para acceder a las instalaciones. La decisión no es burocrática cuando responde a un requisito definido y proporcional al riesgo.",{"type":110,"attrs":343,"content":345},{"textAlign":25,"key":344},"p-22",[346],{"text":347,"type":116},"Los certificados fiscales y de Seguridad Social reflejan una situación concreta en una fecha determinada y para una finalidad específica. Las pólizas tienen sus propios períodos de vigencia, renovaciones y plazos de preaviso. Por eso, controlar las fechas de emisión, vencimiento y renovación es tan importante como recopilar los documentos.",{"type":110,"attrs":349,"content":351},{"textAlign":25,"key":350},"p-23",[352],{"text":353,"type":116},"Centraliza toda la documentación en un único repositorio con fechas relevantes visibles. Así evitas depender de carpetas compartidas dispersas y reduces el tiempo que el equipo de compras dedica a perseguir actualizaciones. Un sistema con alertas puede avisar con antelación para solicitar renovaciones antes de que un documento deje de ser válido.",{"type":110,"attrs":355,"content":357},{"textAlign":25,"key":356},"p-24",[358],{"text":359,"type":116},"En sectores con subcontratación frecuente, como construcción, logística o servicios industriales, la documentación preventiva puede añadir complejidad. Hay que identificar qué información, instrucciones, acreditaciones o autorizaciones son necesarias para cada actividad y cada centro de trabajo. Sin un sistema centralizado, esta tarea puede consumir muchas horas de trabajo administrativo.",{"type":160,"attrs":361,"content":362},{"level":162,"textAlign":25},[363],{"text":364,"type":116},"Elegir un portal de proveedores seguro y fiable",{"type":110,"attrs":366,"content":367},{"textAlign":25,"key":112},[368],{"text":369,"type":116},"Un portal de proveedores es un espacio centralizado donde el proveedor puede aportar o actualizar determinados datos y documentos. A diferencia de un correo electrónico o una carpeta compartida, un portal bien configurado puede ofrecer trazabilidad, controles de acceso, historial de cambios y un punto de acceso común para finanzas, compras y los propios proveedores.",{"type":160,"attrs":371,"content":372},{"level":162,"textAlign":25},[373],{"text":374,"type":116},"¿Cómo evaluar la seguridad y la fiabilidad de un portal de proveedores para una pyme?",{"type":110,"attrs":376,"content":377},{"textAlign":25,"key":168},[378],{"text":379,"type":116},"Una pyme que evalúa portales debe fijarse en cuatro ejes. Primero, las medidas de protección de los datos en tránsito y almacenados. La existencia, el alcance y la configuración del cifrado deben confirmarse en la documentación técnica y contractual del proveedor.",{"type":110,"attrs":381,"content":382},{"textAlign":25,"key":174},[383],{"text":384,"type":116},"Segundo, el control de accesos y los roles. El proveedor debería acceder únicamente a sus propios datos y a las acciones que tenga autorizadas, mientras que el equipo interno debería acceder según su función. Comprueba los métodos de autenticación, la gestión de permisos y el proceso de baja de usuarios.",{"type":110,"attrs":386,"content":387},{"textAlign":25,"key":185},[388],{"text":389,"type":116},"Tercero, la trazabilidad y la auditoría. Es conveniente que el sistema registre, cuando corresponda, quién ha enviado, modificado, aprobado o descargado determinados datos o documentos, y cuándo lo ha hecho. El nivel de detalle, el período de conservación y la disponibilidad de estos registros deben verificarse con el proveedor.",{"type":110,"attrs":391,"content":392},{"textAlign":25,"key":191},[393],{"text":394,"type":116},"Cuarto, la integración con el ERP, es decir, el sistema de planificación de recursos empresariales, y con la gestoría o asesoría externa cuando participe en la contabilidad, las nóminas o los impuestos de la empresa.",{"type":110,"attrs":396,"content":397},{"textAlign":25,"key":197},[398],{"text":399,"type":116},"Estas medidas pueden reducir riesgos y facilitar la revisión, pero no garantizan por sí solas el cumplimiento del RGPD, la seguridad total del sistema, la integridad de los datos del proveedor o la ausencia de fraude. Deben combinarse con una adecuada gestión de accesos, políticas de conservación, revisión de proveedores, respuesta ante incidentes y controles internos.",{"type":110,"attrs":401,"content":402},{"textAlign":25,"key":203},[403,405,411],{"text":404,"type":116},"Un buen portal no es solo un repositorio documental. Cuando el portal se integra en un",{"text":406,"type":116,"marks":407}," flujo de compra controlado",[408],{"type":272,"attrs":409},{"href":410,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://www.spendesk.com/es/blog/proceso-de-adquisicion-a-pago/",{"text":412,"type":116},", la secuencia de solicitud, aprobación, revisión de la información del proveedor y pedido puede discurrir con menos interrupciones.",{"type":110,"attrs":414,"content":415},{"textAlign":25,"key":209},[416],{"text":417,"type":116},"Spendesk ofrece funcionalidades de compras (_procurement_) que pueden centralizar información relacionada con proveedores, contratos, solicitudes y flujos de aprobación. También permite configurar procesos de alta de proveedores mediante tareas de onboarding y un Vendor Portal, cuando estas funcionalidades están incluidas y correctamente configuradas. Esto no equivale a una solución universal de homologación ni sustituye la evaluación legal, financiera, preventiva o ESG que corresponda en cada caso.",{"type":110,"attrs":419,"content":420},{"textAlign":25,"key":215},[421],{"text":422,"type":116},"Valida también la fiabilidad de los datos que el proveedor introduce. Cruza la información con fuentes oficiales cuando sea posible, establece una frecuencia de actualización y configura alertas para los vencimientos o renovaciones que el sistema permita gestionar.",{"type":110,"attrs":424,"content":425},{"textAlign":25,"key":221},[426],{"text":427,"type":116},"Por ejemplo, al revisar los proveedores antes del cierre del ejercicio, una empresa puede detectar que el IBAN registrado para un proveedor habitual no coincide con el comunicado recientemente. Una solicitud de cambio autenticada, la confirmación independiente a través de un canal conocido, la segregación de funciones y, cuando esté disponible, la verificación del beneficiario frente al IBAN pueden reducir el riesgo de fraude. Ninguno de estos controles elimina por completo el riesgo ni confirma por sí solo la identidad del titular de la cuenta.",{"type":160,"attrs":429,"content":430},{"level":162,"textAlign":25},[431],{"text":432,"type":116},"¿Cuáles son las mejores prácticas para gestionar un portal de proveedores y reducir los tiempos de pedido?",{"type":110,"attrs":434,"content":435},{"textAlign":25,"key":227},[436,438,444],{"text":437,"type":116},"Mantén los datos maestros actualizados: nombre fiscal, NIF, cuenta bancaria, dirección de facturación y contacto principal. Un dato obsoleto puede",{"text":439,"type":116,"marks":440}," bloquear un pago",[441],{"type":272,"attrs":442},{"href":443,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":445,"type":116}," o dirigir la mercancía a la dirección equivocada.",{"type":110,"attrs":447,"content":448},{"textAlign":25,"key":233},[449],{"text":450,"type":116},"Define flujos de aprobación claros con umbrales de gasto. Un pedido de 500 € puede aprobarlo el responsable de equipo y uno de 5.000 € puede requerir el visto bueno de finanzas, si así lo establece la política interna. Estos importes son ejemplos de umbrales definidos por cada empresa, no límites legales ni valores predeterminados aplicables a todos los clientes de Spendesk.",{"type":110,"attrs":452,"content":453},{"textAlign":25,"key":244},[454],{"text":455,"type":116},"Incorpora catálogos, documentos y condiciones pactadas directamente en el portal si la herramienta lo permite. Cuando el solicitante ve los precios, las condiciones y los plazos de entrega acordados sin salir del proceso, puede reducir consultas innecesarias y errores de transcripción.",{"type":110,"attrs":457,"content":458},{"textAlign":25,"key":256},[459],{"text":460,"type":116},"Mide con indicadores clave (KPI) el tiempo medio desde la solicitud hasta el pedido confirmado. Define también el punto de inicio y de finalización, el período de medición y la forma de calcular el indicador.",{"type":110,"attrs":462,"content":463},{"textAlign":25,"key":264},[464],{"text":465,"type":116},"Para verlo con un caso hipotético: un equipo que aprueba pedidos por correo electrónico puede tardar varios días en cerrar una solicitud. Tras implantar un flujo con umbrales predefinidos, responsables claros y visibilidad del gasto comprometido, podría reducir el tiempo de gestión. Para afirmar que el plazo pasó de una semana a un día habría que disponer de datos comparables, un período de medición y una metodología definida.",{"type":110,"attrs":467,"content":468},{"textAlign":25,"key":282},[469],{"text":470,"type":116},"Automatizar las aprobaciones y dar visibilidad del gasto antes de aprobar puede reducir las cadenas de correos y las esperas innecesarias. Spendesk permite configurar solicitudes de compra, tareas de aprobación, revisión de información del proveedor y pedidos dentro de determinados procesos de compras o _procurement_. El resultado depende del plan, los permisos, la configuración y la adopción interna.",{"type":110,"attrs":472,"content":473},{"textAlign":25,"key":298},[474,476,482],{"text":475,"type":116},"La clave es convertir cada práctica en un paso concreto: datos maestros al día, umbrales definidos, documentos accesibles, KPI de plazo y automatización de aprobaciones. Cuando el solicitante sabe qué puede pedir, en qué condiciones y quién debe aprobarlo, el",{"text":477,"type":116,"marks":478}," ciclo de compra",[479],{"type":272,"attrs":480},{"href":481,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://www.spendesk.com/es/blog/orden-de-compra/",{"text":483,"type":116}," puede acortarse.",{"type":110,"attrs":485,"content":486},{"textAlign":25,"key":306},[487],{"text":488,"type":116},"Evita la tentación de añadir pasos de validación innecesarios. Cada firma adicional alarga el proceso y, si no aporta un control real, solo genera frustración. Revisa los flujos de aprobación periódicamente para detectar cuellos de botella y eliminar validaciones redundantes.",{"type":160,"attrs":490,"content":491},{"level":162,"textAlign":25},[492],{"text":493,"type":116},"Migrar de portal y gobernar la relación con proveedores",{"type":110,"attrs":495,"content":496},{"textAlign":25,"key":320},[497],{"text":498,"type":116},"Cambiar de portal sin interrumpir la operación requiere planificación. El primer paso es un inventario de los datos existentes: proveedores activos, documentos vigentes, condiciones pactadas y usuarios con acceso. Después, la migración puede hacerse por fases, empezando por un grupo piloto de proveedores de bajo riesgo.",{"type":110,"attrs":500,"content":501},{"textAlign":25,"key":326},[502],{"text":503,"type":116},"Puede mantenerse una transición controlada entre ambos sistemas durante el tiempo necesario para validar los datos, los documentos, los permisos y los procesos de pedido. La duración dependerá del volumen, la integración y el riesgo. No existe una obligación universal de mantener dos ciclos de pedido en paralelo. Antes de apagar el sistema antiguo, conviene comprobar que la información relevante se ha migrado y que los usuarios pueden trabajar correctamente en el nuevo entorno.",{"type":110,"attrs":505,"content":506},{"textAlign":25,"key":332},[507],{"text":508,"type":116},"Revisar cada saldo, documento y condición del grupo piloto antes de desconectar el portal anterior ayuda a detectar discrepancias antes del primer cierre contable completo. Lo relevante no es fijar una duración concreta, sino confirmar que no queda información suelta al cerrar el sistema antiguo.",{"type":110,"attrs":510,"content":511},{"textAlign":25,"key":338},[512],{"text":513,"type":116},"Gobernar la relación implica medir y revisar. Entre los KPI de proveedor más habituales están el plazo de entrega medio, la tasa de incidencias, el cumplimiento de las condiciones pactadas y el tiempo de respuesta ante reclamaciones. Los ciclos de reevaluación deben establecerse según el riesgo, la política interna, el contrato y la normativa aplicable. Una revisión anual o bienal puede ser adecuada para determinadas categorías, pero no es una frecuencia obligatoria para todos los proveedores.",{"type":110,"attrs":515,"content":516},{"textAlign":25,"key":344},[517],{"text":518,"type":116},"La relación suele repartirse entre distintos propietarios: compras lidera la relación operativa; finanzas supervisa los datos económicos, el cumplimiento documental que le corresponda y el proceso de pago; prevención y operaciones participan cuando existen riesgos laborales o de actividad específicos.",{"type":110,"attrs":520,"content":521},{"textAlign":25,"key":350},[522,524,530],{"text":523,"type":116},"La relación con proveedores también se conecta con los objetivos financieros. El período medio de pago a proveedores (PMP) mide cuántos días tarda la empresa en ",{"text":525,"type":116,"marks":526},"pagar a sus proveedores",[527],{"type":272,"attrs":528},{"href":529,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":317,"type":116},{"type":110,"attrs":532,"content":533},{"textAlign":25,"key":356},[534],{"text":535,"type":116},"En las operaciones comerciales privadas sujetas a la Ley 3/2004, el plazo legal por defecto es de 30 días y el plazo pactado no puede superar, con carácter general, 60 días naturales. El régimen de las administraciones públicas es diferente: en los contratos sujetos a la legislación de contratos del sector público, la regla general es pagar dentro de los 30 días siguientes a la aprobación de la certificación o del documento de conformidad, con las particularidades previstas en la normativa.",{"type":110,"attrs":537,"content":539},{"textAlign":25,"key":538},"p-25",[540],{"text":541,"type":116},"Cuando se incumplen los plazos aplicables, pueden generarse intereses de demora y la compensación por costes de cobro prevista legalmente. La aplicación concreta depende del tipo de operación, del contrato, de la responsabilidad del deudor y de las excepciones previstas. Las condiciones de pago deben equilibrar los objetivos de tesorería, el impacto sobre los proveedores, los descuentos por pronto pago y la normativa aplicable.",{"type":110,"attrs":543,"content":545},{"textAlign":25,"key":544},"p-26",[546],{"text":547,"type":116},"Gobernar no es controlar de forma rígida. Es mantener visibilidad, anticipar problemas y renegociar condiciones cuando el contexto cambia. Un proveedor que cumplía hace dos años puede haber cambiado de propiedad, de capacidad o de situación financiera. La reevaluación periódica evita descubrirlo demasiado tarde.",{"type":110,"attrs":549,"content":551},{"textAlign":25,"key":550},"p-27",[552],{"text":553,"type":116},"A cada proveedor puede asignársele un nivel de criticidad: alto para aquellos cuyo fallo paraliza la operación, medio para los que tienen alternativas viables en el mercado y bajo para suministros genéricos. El nivel de criticidad determina la frecuencia de revisión y el esfuerzo de seguimiento que merece cada relación, de modo que los recursos se concentran en los proveedores que de verdad afectan al negocio.",{"type":160,"attrs":555,"content":556},{"level":162,"textAlign":25},[557],{"text":558,"type":116},"Puntos clave",{"type":560,"content":561},"ordered_list",[562,570,578,586,594,602,610],{"type":252,"content":563},[564],{"type":110,"attrs":565,"content":567},{"textAlign":25,"key":566},"p-28",[568],{"text":569,"type":116},"Homologar valida a un proveedor antes de trabajar con él; seleccionar es elegir entre los ya evaluados.",{"type":252,"content":571},[572],{"type":110,"attrs":573,"content":575},{"textAlign":25,"key":574},"p-29",[576],{"text":577,"type":116},"El alta puede exigir documentación fiscal, laboral, preventiva o de responsabilidad civil según la actividad, el contrato y el nivel de riesgo.",{"type":252,"content":579},[580],{"type":110,"attrs":581,"content":583},{"textAlign":25,"key":582},"p-30",[584],{"text":585,"type":116},"La CAE no es una lista universal de documentos: depende de la concurrencia de actividades, del centro de trabajo y del papel de cada empresa.",{"type":252,"content":587},[588],{"type":110,"attrs":589,"content":591},{"textAlign":25,"key":590},"p-31",[592],{"text":593,"type":116},"Un buen portal se elige por sus medidas de seguridad, roles de acceso, trazabilidad e integración, no solo por su capacidad para almacenar documentos.",{"type":252,"content":595},[596],{"type":110,"attrs":597,"content":599},{"textAlign":25,"key":598},"p-32",[600],{"text":601,"type":116},"Los tiempos de pedido pueden reducirse automatizando aprobaciones y dando visibilidad del gasto comprometido, siempre que la configuración y los procesos estén bien definidos.",{"type":252,"content":603},[604],{"type":110,"attrs":605,"content":607},{"textAlign":25,"key":606},"p-33",[608],{"text":609,"type":116},"Migrar por fases y con validaciones controladas reduce el riesgo de interrupciones; gobernar con KPI y ciclos de reevaluación mantiene la relación bajo control.",{"type":252,"content":611},[612],{"type":110,"attrs":613,"content":615},{"textAlign":25,"key":614},"p-34",[616],{"text":617,"type":116},"En materia de pagos, hay que distinguir las operaciones comerciales privadas de los contratos del sector público y aplicar el plazo que corresponda.",{"type":619},"horizontal_rule",{"type":160,"attrs":621,"content":622},{"level":162,"textAlign":25},[623],{"text":624,"type":116},"Controla el gasto con proveedores de principio a fin",{"type":110,"attrs":626,"content":628},{"textAlign":25,"key":627},"p-35",[629],{"text":630,"type":116},"Homologar, dar de alta y gobernar a tus proveedores resulta mucho más sencillo cuando la solicitud, la revisión, la aprobación y el pedido viven en un mismo flujo. Las funcionalidades de compras y cuentas por pagar de Spendesk pueden ayudar a centralizar parte de este proceso, según el plan contratado y la configuración de la cuenta. Descubre cómo Spendesk ayuda a los equipos de finanzas a controlar el gasto de principio a fin.",{"name":632,"created_at":633,"published_at":16,"updated_at":634,"id":635,"uuid":636,"content":637,"slug":644,"full_slug":645,"sort_by_date":25,"position":52,"tag_list":646,"is_startpage":28,"parent_id":647,"meta_data":25,"group_id":648,"first_published_at":649,"release_id":25,"lang":32,"path":25,"alternates":650,"default_full_slug":651,"translated_slugs":652,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":638,"icon":639,"name":632,"component":643},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":640,"alt":641,"name":90,"focus":90,"title":90,"filename":642,"copyright":90,"fieldtype":95,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[653,654,655],{"path":651,"name":25,"lang":37,"published":25},{"path":651,"name":25,"lang":39,"published":25},{"path":651,"name":25,"lang":32,"published":25},[32],[],"Homologación y portales de proveedores: guía práctica",[],"18",[],"Homologación de proveedores: aprende a evaluarlos, darlos de alta y gestionarlos, además de elegir un portal de proveedores o migrar a uno de forma segura.",[],[665],{"_uid":666,"items":667,"heading":729,"component":752},"03761e7c-8a3d-4a4b-9eea-d012fc737faf",[668,679,689,699,709,719],{"_uid":669,"title":670,"component":671,"description":672},"bf064850-af57-4614-b489-93360c87829d","¿Qué diferencia hay entre homologación y precalificación de proveedores?","faqItem",{"type":107,"content":673},[674],{"type":110,"attrs":675,"content":676},{"textAlign":25,"key":112},[677],{"text":678,"type":116},"La precalificación filtra candidatos que no cumplen requisitos mínimos. La homologación valida con mayor profundidad la solvencia, el cumplimiento, la capacidad y los criterios de riesgo antes de formalizar la relación.",{"_uid":680,"title":681,"component":671,"description":682},"cf378fd2-4480-4154-a37a-265621902672","¿Con qué frecuencia hay que reevaluar a un proveedor?",{"type":107,"content":683},[684],{"type":110,"attrs":685,"content":686},{"textAlign":25,"key":112},[687],{"text":688,"type":116},"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":690,"title":691,"component":671,"description":692},"7f1e9200-5183-44a0-98bb-a1fd89492a3d","¿Qué KPI sirven para medir a un proveedor?",{"type":107,"content":693},[694],{"type":110,"attrs":695,"content":696},{"textAlign":25,"key":112},[697],{"text":698,"type":116},"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":700,"title":701,"component":671,"description":702},"b8321628-96f7-4f3e-a01e-d93dec724c28","¿Cuánto puede tardar dar de alta a un proveedor y cómo acortarlo?",{"type":107,"content":703},[704],{"type":110,"attrs":705,"content":706},{"textAlign":25,"key":112},[707],{"text":708,"type":116},"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":710,"title":711,"component":671,"description":712},"bbd9f873-37d2-47f3-98f8-1d611be753d4","¿Cómo puede Spendesk ayudar a mejorar el control de costes?",{"type":107,"content":713},[714],{"type":110,"attrs":715,"content":716},{"textAlign":25,"key":112},[717],{"text":718,"type":116},"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":720,"title":721,"component":671,"description":722},"8427c66e-c068-4401-85ab-a91acccec289","¿Puede Spendesk conectarse con mi software contable?",{"type":107,"content":723},[724],{"type":110,"attrs":725,"content":726},{"textAlign":25,"key":112},[727],{"text":728,"type":116},"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.",[730],{"cta":731,"_uid":732,"title":733,"eyebrow":740,"subtitle":745,"component":160,"textAlign":90,"flexibleSection":750,"sectionSettings":751,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"6530a95a-6300-4bed-b52d-1a6ee61c001e",{"type":107,"content":734},[735],{"type":160,"attrs":736,"content":737},{"level":162,"textAlign":25},[738],{"text":739,"type":116},"Preguntas 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2246,2247],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2249],{"cta":2250,"_uid":2251,"items":2252,"heading":2365,"reverse":28,"component":752,"sectionSettings":2386},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2253,2308],{"_uid":2254,"title":2255,"component":671,"description":2256},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":107,"content":2257},[2258,2263,2288,2293,2298,2303],{"type":110,"attrs":2259,"content":2260},{"textAlign":25},[2261],{"text":2262,"type":116},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":560,"attrs":2264,"content":2266},{"order":2265},1,[2267,2274,2281],{"type":252,"content":2268},[2269],{"type":110,"attrs":2270,"content":2271},{"textAlign":25},[2272],{"text":2273,"type":116},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":252,"content":2275},[2276],{"type":110,"attrs":2277,"content":2278},{"textAlign":25},[2279],{"text":2280,"type":116},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":252,"content":2282},[2283],{"type":110,"attrs":2284,"content":2285},{"textAlign":25},[2286],{"text":2287,"type":116},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":110,"attrs":2289,"content":2290},{"textAlign":25},[2291],{"text":2292,"type":116},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":110,"attrs":2294,"content":2295},{"textAlign":25},[2296],{"text":2297,"type":116},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":110,"attrs":2299,"content":2300},{"textAlign":25},[2301],{"text":2302,"type":116},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":110,"attrs":2304,"content":2305},{"textAlign":25},[2306],{"text":2307,"type":116},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2309,"title":2310,"component":671,"description":2311},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":107,"content":2312},[2313,2318,2330,2335,2345,2350,2355,2360],{"type":110,"attrs":2314,"content":2315},{"textAlign":25},[2316],{"text":2317,"type":116},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":2336,"content":2337},{"textAlign":25},[2338,2342,2343],{"text":2339,"type":116,"marks":2340},"Para los equipos financieros",[2341],{"type":1409},{"type":2172},{"text":2344,"type":116},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":110,"attrs":2346,"content":2347},{"textAlign":25},[2348],{"text":2349,"type":116},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. 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de proveedores: plantilla, campos y modelo para 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Como base, suele ser útil registrar la denominación legal, el NIF, un contacto, el estado del proveedor y, cuando sea necesario para pagar, los datos bancarios y las condiciones de pago. Los campos concretos dependen de la entidad, el país, el tipo de operación y los controles internos.",{"_uid":2535,"title":2536,"component":671,"description":2537},"fd9cad58-a254-4599-ab13-71cd1b53a876","¿Cuál es la diferencia entre denominación legal y nombre comercial?",{"type":107,"content":2538},[2539],{"type":110,"attrs":2540,"content":2541},{"textAlign":25},[2542],{"text":2543,"type":116},"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":2545,"title":2546,"component":671,"description":2547},"b89ecdfe-e537-40cc-84b4-8e8e5867c26b","¿Cuánto tiempo hay que conservar los datos de un proveedor?",{"type":107,"content":2548},[2549],{"type":110,"attrs":2550,"content":2551},{"textAlign":25},[2552],{"text":2553,"type":116},"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":2555,"title":2556,"component":671,"description":2557},"4363da7c-dff9-48e2-bd52-1f984495b285","¿Qué datos bancarios necesito para pagar a un proveedor?",{"type":107,"content":2558},[2559],{"type":110,"attrs":2560,"content":2561},{"textAlign":25},[2562],{"text":2563,"type":116},"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":2565,"title":2566,"component":671,"description":2567},"e25dca40-69e6-43e5-836f-90078c356ae9","¿Es mejor una ficha de proveedores en Excel o en un software?",{"type":107,"content":2568},[2569],{"type":110,"attrs":2570,"content":2571},{"textAlign":25},[2572],{"text":2573,"type":116},"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.",[2575],{"cta":2576,"_uid":2577,"title":2578,"eyebrow":2584,"subtitle":2589,"component":160,"textAlign":90,"flexibleSection":2594,"sectionSettings":2595,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"75af5439-dd80-4e9f-bc5a-d09eb461476c",{"type":107,"content":2579},[2580],{"type":160,"attrs":2581,"content":2582},{"level":162,"textAlign":25},[2583],{"text":739,"type":116},{"type":107,"content":2585},[2586],{"type":110,"attrs":2587,"content":2588},{"textAlign":25},[],{"type":107,"content":2590},[2591],{"type":110,"attrs":2592,"content":2593},{"textAlign":25},[],[],[],"ficha-de-proveedores","es/blog/ficha-de-proveedores",-2820,[],"9aadce39-90fd-4b77-adc3-a13bced00c54",[],"blog/ficha-de-proveedores",[2604,2605,2606],{"path":2602,"name":25,"lang":37,"published":25},{"path":2602,"name":25,"lang":39,"published":25},{"path":2602,"name":25,"lang":32,"published":25},{"name":2608,"created_at":2609,"published_at":2610,"updated_at":2611,"id":2612,"uuid":2613,"content":2614,"slug":2717,"full_slug":2718,"sort_by_date":25,"position":2719,"tag_list":2720,"is_startpage":28,"parent_id":757,"meta_data":25,"group_id":2721,"first_published_at":2610,"release_id":25,"lang":32,"path":25,"alternates":2722,"default_full_slug":2723,"translated_slugs":2724},"Software de compras y de la compra al pago: cómo elegir una herramienta para equipos financieros","2026-08-26T15:56:38.607Z","2026-08-26T16:07:09.947Z","2026-08-26T16:07:09.974Z",213279533546748,"6fbe7e8d-99d9-4dc0-b9d4-f2b989c02a54",{"_uid":2615,"title":2608,"topics":2616,"noIndex":28,"category":2625,"language":2634,"component":644,"heroMedia":2635,"metaTitle":2636,"publishedAt":90,"readingTime":2637,"redirectUrl":90,"listingImage":2638,"metaDescription":2639,"bottomArticleCta":2640,"componentsAfterTheArticle":2641},"344a3357-3ce2-4011-ab4d-5a1013736083",[2617],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2618,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2619,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2620,"default_full_slug":147,"translated_slugs":2621,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2622,2623,2624],{"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":632,"created_at":633,"published_at":16,"updated_at":634,"id":635,"uuid":636,"content":2626,"slug":644,"full_slug":645,"sort_by_date":25,"position":52,"tag_list":2628,"is_startpage":28,"parent_id":647,"meta_data":25,"group_id":648,"first_published_at":649,"release_id":25,"lang":32,"path":25,"alternates":2629,"default_full_slug":651,"translated_slugs":2630,"_stopResolving":41},{"_uid":638,"icon":2627,"name":632,"component":643},{"id":640,"alt":641,"name":90,"focus":90,"title":90,"filename":642,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2631,2632,2633],{"path":651,"name":25,"lang":37,"published":25},{"path":651,"name":25,"lang":39,"published":25},{"path":651,"name":25,"lang":32,"published":25},[32],[],"Software de compras y procure-to-pay: cómo elegir","16",[],"El proceso de compras fragmentado genera sorpresas al cierre. Descubre cómo elegir un software que conecte solicitud, aprobación y pago en un único flujo.",[],[2642],{"_uid":2643,"items":2644,"heading":2695,"component":752},"694060cd-7f73-4d21-964e-bfc3d015e288",[2645,2655,2665,2675,2685],{"_uid":2646,"title":2647,"component":671,"description":2648},"20410847-1c86-448c-bf8d-5e5b9610fec4","¿Qué es el proceso de compras?",{"type":107,"content":2649},[2650],{"type":110,"attrs":2651,"content":2652},{"textAlign":25},[2653],{"text":2654,"type":116},"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":2656,"title":2657,"component":671,"description":2658},"956cf1c7-ea52-4e4c-86a9-1476d4a6c71a","¿En qué se diferencia el procure-to-pay de un ERP?",{"type":107,"content":2659},[2660],{"type":110,"attrs":2661,"content":2662},{"textAlign":25},[2663],{"text":2664,"type":116},"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":2666,"title":2667,"component":671,"description":2668},"89a515a1-b236-44f1-8bed-aa54da5bd802","¿Necesito un software de compras si ya tengo una gestoría o un ERP?",{"type":107,"content":2669},[2670],{"type":110,"attrs":2671,"content":2672},{"textAlign":25},[2673],{"text":2674,"type":116},"No siempre. 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Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":3265,"title":3266,"component":671,"description":3267},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":107,"content":3268},[3269],{"type":110,"attrs":3270,"content":3271},{"textAlign":25},[3272],{"text":3273,"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":3275,"title":3276,"component":671,"description":3277},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":107,"content":3278},[3279],{"type":110,"attrs":3280,"content":3281},{"textAlign":25},[3282],{"text":3283,"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.",[3285],{"cta":3286,"_uid":3287,"title":3288,"eyebrow":3294,"subtitle":3299,"component":160,"textAlign":90,"flexibleSection":3304,"sectionSettings":3305,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":107,"content":3289},[3290],{"type":160,"attrs":3291,"content":3292},{"level":162,"textAlign":25},[3293],{"text":739,"type":116},{"type":107,"content":3295},[3296],{"type":110,"attrs":3297,"content":3298},{"textAlign":25},[],{"type":107,"content":3300},[3301],{"type":110,"attrs":3302,"content":3303},{"textAlign":25},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2360,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7","2026-08-10T14:39:54.001Z",[],"blog/modelo-111-irpf-retenciones",[3315,3316,3317],{"path":3313,"name":25,"lang":37,"published":25},{"path":3313,"name":25,"lang":39,"published":25},{"path":3313,"name":25,"lang":32,"published":25},{"name":3319,"created_at":3320,"published_at":3321,"updated_at":3322,"id":3323,"uuid":3324,"content":3325,"slug":3445,"full_slug":3446,"sort_by_date":25,"position":3447,"tag_list":3448,"is_startpage":28,"parent_id":757,"meta_data":25,"group_id":3449,"first_published_at":3450,"release_id":25,"lang":32,"path":25,"alternates":3451,"default_full_slug":3452,"translated_slugs":3453},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-07-15T12:23:14.902Z","2026-08-11T08:51:58.451Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":3326,"title":3319,"topics":3327,"noIndex":28,"category":3344,"language":3353,"component":644,"heroMedia":3354,"metaTitle":3355,"publishedAt":3356,"readingTime":3357,"redirectUrl":90,"listingImage":3358,"metaDescription":3366,"bottomArticleCta":3367,"componentsAfterTheArticle":3368},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3328,3336],{"name":850,"created_at":2739,"published_at":16,"updated_at":2740,"id":2741,"uuid":2742,"content":3329,"slug":2744,"full_slug":2745,"sort_by_date":25,"position":141,"tag_list":3330,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":2747,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3331,"default_full_slug":2749,"translated_slugs":3332,"_stopResolving":41},{"_uid":138,"name":850,"component":22},[],[],[3333,3334,3335],{"path":2749,"name":25,"lang":37,"published":25},{"path":2749,"name":25,"lang":39,"published":25},{"path":2749,"name":25,"lang":32,"published":25},{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3337,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3338,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3339,"default_full_slug":147,"translated_slugs":3340,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3341,3342,3343],{"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":632,"created_at":633,"published_at":16,"updated_at":634,"id":635,"uuid":636,"content":3345,"slug":644,"full_slug":645,"sort_by_date":25,"position":52,"tag_list":3347,"is_startpage":28,"parent_id":647,"meta_data":25,"group_id":648,"first_published_at":649,"release_id":25,"lang":32,"path":25,"alternates":3348,"default_full_slug":651,"translated_slugs":3349,"_stopResolving":41},{"_uid":638,"icon":3346,"name":632,"component":643},{"id":640,"alt":641,"name":90,"focus":90,"title":90,"filename":642,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3350,3351,3352],{"path":651,"name":25,"lang":37,"published":25},{"path":651,"name":25,"lang":39,"published":25},{"path":651,"name":25,"lang":32,"published":25},[32],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00","13",[3359],{"_uid":3360,"asset":3361,"caption":90,"component":3365},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3362,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3363,"copyright":90,"fieldtype":95,"meta_data":3364,"is_external_url":28},198050494748961,"https://a.storyblok.com/f/146026/1538x858/a3a2285d8a/spendesk_blog_cover_periodo_pago_v2.jpg",{},"image","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.",[],[3369],{"_uid":3370,"items":3371,"heading":1062,"component":752},"d437e15a-ca83-40ff-962f-928bbc083496",[3372,3390,3400,3410,3420],{"_uid":3373,"title":3374,"component":671,"description":3375},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3376},[3377],{"type":110,"attrs":3378,"content":3379},{"textAlign":25},[3380,3382,3388],{"text":3381,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3383,"type":116,"marks":3384},"Ley 15/2010",[3385],{"type":272,"attrs":3386},{"href":3387,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3389,"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":3391,"title":3392,"component":671,"description":3393},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3394},[3395],{"type":110,"attrs":3396,"content":3397},{"textAlign":25},[3398],{"text":3399,"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":3401,"title":3402,"component":671,"description":3403},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3404},[3405],{"type":110,"attrs":3406,"content":3407},{"textAlign":25},[3408],{"text":3409,"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":3411,"title":3412,"component":671,"description":3413},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3414},[3415],{"type":110,"attrs":3416,"content":3417},{"textAlign":25},[3418],{"text":3419,"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":3421,"title":3422,"component":671,"description":3423},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3424},[3425],{"type":110,"attrs":3426,"content":3427},{"textAlign":25},[3428,3430,3436,3438,3444],{"text":3429,"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":3431,"type":116,"marks":3432},"conciliación",[3433],{"type":272,"attrs":3434},{"href":3435,"uuid":25,"anchor":25,"target":275,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":3437,"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":3439,"type":116,"marks":3440},"visita 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[3497],{"_uid":3498,"asset":3499,"caption":90,"component":3365},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":3500,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3501,"copyright":90,"fieldtype":95,"meta_data":3502,"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.",[],[3506],{"_uid":3507,"items":3508,"heading":1062,"component":752},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3509,3519,3529,3539,3549,3559,3569],{"_uid":3510,"title":3511,"component":671,"description":3512},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":3513},[3514],{"type":110,"attrs":3515,"content":3516},{"textAlign":25},[3517],{"text":3518,"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":3520,"title":3521,"component":671,"description":3522},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":3523},[3524],{"type":110,"attrs":3525,"content":3526},{"textAlign":25},[3527],{"text":3528,"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":3530,"title":3531,"component":671,"description":3532},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3533},[3534],{"type":110,"attrs":3535,"content":3536},{"textAlign":25},[3537],{"text":3538,"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":3540,"title":3541,"component":671,"description":3542},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3543},[3544],{"type":110,"attrs":3545,"content":3546},{"textAlign":25},[3547],{"text":3548,"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":3550,"title":3551,"component":671,"description":3552},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3553},[3554],{"type":110,"attrs":3555,"content":3556},{"textAlign":25},[3557],{"text":3558,"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":3560,"title":3561,"component":671,"description":3562},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3563},[3564],{"type":110,"attrs":3565,"content":3566},{"textAlign":25},[3567],{"text":3568,"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":3570,"title":3571,"component":671,"description":3572},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":3573},[3574],{"type":110,"attrs":3575,"content":3576},{"textAlign":25},[3577],{"text":3578,"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. 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