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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},[154,159,166,210,215,221,227,243,249,255,260,265,270,275,288,293,298,303,316,326,335,352,361,371,377,383,388,394,408,422,428,434,440,446,452,457,463,477,751,757,762,768,778,796,806,816,822,824],{"type":110,"attrs":155,"content":156},{"textAlign":25,"key":112},[157],{"text":158,"type":116},"Es final de mes y el director financiero de una empresa mediana abre su bandeja de entrada con una mezcla de resignación y urgencia. Tres facturas esperan aprobación en un hilo de correo que nadie consigue localizar, un responsable de departamento pide autorización de compra por Slack y una hoja de cálculo intenta consolidar el gasto comprometido de la semana. Nadie sabe con certeza cuánto ha gastado ya la empresa ni qué pagos están pendientes. El proceso de compras existe, pero está fragmentado: el control llega después, cuando las sorpresas ya aparecen en la cuenta de resultados. Esta guía explica qué buscar en un software de compras y _procure-to-pay_ (de la compra al pago) para recuperar visibilidad antes de que se produzca el gasto.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},2,[164],{"text":165,"type":116},"Puntos clave",{"type":167,"content":168},"bullet_list",[169,178,186,194,202],{"type":170,"content":171},"list_item",[172],{"type":110,"attrs":173,"content":175},{"textAlign":25,"key":174},"p-1",[176],{"text":177,"type":116},"El proceso de compras suele cubrir desde la solicitud y la aprobación hasta el pedido, la recepción y la validación de la factura. El procure-to-pay amplía el flujo para incluir también el pago y la conciliación contable.",{"type":170,"content":179},[180],{"type":110,"attrs":181,"content":183},{"textAlign":25,"key":182},"p-2",[184],{"text":185,"type":116},"Un flujo conectado puede reducir las aprobaciones perdidas, mejorar la trazabilidad y limitar las facturas sin pedido asociado.",{"type":170,"content":187},[188],{"type":110,"attrs":189,"content":191},{"textAlign":25,"key":190},"p-3",[192],{"text":193,"type":116},"Las funciones críticas para finanzas incluyen formularios personalizados, flujos de aprobación por importe y centro de coste, visibilidad del gasto y del impacto presupuestario, e integración con el ERP o el software contable.",{"type":170,"content":195},[196],{"type":110,"attrs":197,"content":199},{"textAlign":25,"key":198},"p-4",[200],{"text":201,"type":116},"La evaluación de proveedores debe incluir controles sobre los datos bancarios y una gestión centralizada de contratos para reducir el riesgo de fraude, pagos desviados y renovaciones no deseadas.",{"type":170,"content":203},[204],{"type":110,"attrs":205,"content":207},{"textAlign":25,"key":206},"p-5",[208],{"text":209,"type":116},"Las herramientas enterprise de aprovisionamiento, licitaciones y gestión estratégica de categorías resuelven problemas distintos a los de control del gasto y automatización operativa.",{"type":160,"attrs":211,"content":212},{"level":162,"textAlign":25},[213],{"text":214,"type":116},"Dónde termina el proceso de compras y empieza el _procure-to-pay (de la compra al pago)_",{"type":110,"attrs":216,"content":218},{"textAlign":25,"key":217},"p-6",[219],{"text":220,"type":116},"En una empresa mediana, el proceso de compras suele incluir varios pasos: solicitud, aprobación, pedido, recepción, validación de la factura y pago. El orden y el nivel de control pueden variar según el tipo de compra, la política interna y el contrato con el proveedor.",{"type":110,"attrs":222,"content":224},{"textAlign":25,"key":223},"p-7",[225],{"text":226,"type":116},"En la práctica, esos pasos rara vez están conectados. El empleado que solicita tres portátiles para su equipo envía un correo al responsable de departamento; el responsable lo reenvía al director financiero y alguien introduce el pedido en un Excel que nadie más consulta. Cuando llega la factura, el equipo de finanzas tiene que reconstruir el rastro y comprobar si la compra estaba autorizada.",{"type":110,"attrs":228,"content":230},{"textAlign":25,"key":229},"p-8",[231,233,241],{"text":232,"type":116},"El _procure-to-pay (P2P)_ o de la compra al pago, extiende ese proceso hasta el final: conecta la solicitud inicial con la aprobación, el pedido, la recepción, la validación de la factura, el pago al proveedor y la",{"text":234,"type":116,"marks":235}," conciliación en contabilidad",[236],{"type":237,"attrs":238},"link",{"href":239,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/","_blank",{"text":242,"type":116},". El ciclo puede cerrarse cuando la factura se empareja con el pedido y los datos contables se exportan o sincronizan con el ERP, siempre que la configuración y la integración lo permitan. Esta visión de extremo a extremo convierte cada compra en un proceso más trazable desde el momento de la solicitud.",{"type":110,"attrs":244,"content":246},{"textAlign":25,"key":245},"p-9",[247],{"text":248,"type":116},"Es importante no confundir procure-to-pay con el aprovisionamiento electrónico o las suites enterprise de gestión estratégica de compras. Las herramientas de aprovisionamiento electrónico pueden centrarse en licitaciones, negociación de contratos y gestión de categorías para grandes departamentos de compras. Las suites enterprise, como SAP Ariba o Coupa, ofrecen funcionalidades pensadas para organizaciones con procesos de aprovisionamiento complejos y de gran escala. El procure-to-pay orientado a finanzas responde a otra necesidad: controlar el gasto, ordenar las aprobaciones y mantener la trazabilidad sin implantar una plataforma desproporcionada para la organización.",{"type":110,"attrs":250,"content":252},{"textAlign":25,"key":251},"p-10",[253],{"text":254,"type":116},"¿Por qué debería importarle a finanzas y no solo al departamento de compras? Porque finanzas responde del presupuesto, cierra el mes y detecta las desviaciones cuando el flujo está fragmentado. Con un proceso conectado, el controller puede consultar las solicitudes aprobadas y su impacto presupuestario antes de que llegue la factura, no después.",{"type":160,"attrs":256,"content":257},{"level":162,"textAlign":25},[258],{"text":259,"type":116},"Un único flujo que conecta pedido, aprobación y pago",{"type":110,"attrs":261,"content":262},{"textAlign":25,"key":112},[263],{"text":264,"type":116},"El coste de un flujo fragmentado no aparece en ningún informe, pero se nota en cada cierre mensual. Cuando las aprobaciones viven en hilos de correo, las facturas llegan sin pedido asociado y cada departamento utiliza su propio método para solicitar compras, el equipo de finanzas se convierte en detective. El responsable financiero recibe una factura de licencias SaaS que nadie recuerda haber autorizado y tiene que decidir si la paga, la bloquea o inicia una revisión interna.",{"type":110,"attrs":266,"content":267},{"textAlign":25,"key":174},[268],{"text":269,"type":116},"Una posible medida de control es aplicar el principio «No PO, no pay», es decir, «sin pedido, no hay pago». Se trata de una política interna o contractual, no de una obligación legal general en España. Además, debe contemplar excepciones para determinados tipos de gasto, proveedores o situaciones operativas. Cuando la organización bloquea o marca una factura que no está vinculada a un pedido aprobado, la disciplina de compra se traslada al momento de la solicitud y no al cierre contable.",{"type":110,"attrs":271,"content":272},{"textAlign":25,"key":182},[273],{"text":274,"type":116},"La captura automática de facturas mediante reconocimiento óptico de caracteres (OCR) puede acelerar el proceso. La factura entra en el sistema, se extraen datos como el IVA y el importe, se proponen categorías según las reglas configuradas y se intenta emparejar el documento con el pedido correspondiente. Si no hay coincidencia, el sistema puede generar una alerta antes de continuar con la aprobación o el pago. La precisión depende del documento, de la configuración y de la revisión disponible.",{"type":110,"attrs":276,"content":277},{"textAlign":25,"key":190},[278,280,286],{"text":279,"type":116},"La integración con el ERP o el",{"text":281,"type":116,"marks":282}," software contable",[283],{"type":237,"attrs":284},{"href":285,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":287,"type":116}," puede completar el ciclo. Los datos validados pueden exportarse o sincronizarse para reducir la introducción manual y facilitar la conciliación. No todos los pagos generan automáticamente un asiento en todos los sistemas, por lo que conviene verificar el alcance de cada integración.",{"type":110,"attrs":289,"content":290},{"textAlign":25,"key":198},[291],{"text":292,"type":116},"Un equipo de finanzas que recibe una factura de un proveedor de mobiliario puede consultar si existe un pedido aprobado, quién lo autorizó y a qué presupuesto se imputó. Si la factura no coincide con la información disponible, el sistema puede marcarla para revisión y notificar al responsable correspondiente. Así se reduce la necesidad de reenviar correos o buscar documentos en carpetas compartidas.",{"type":110,"attrs":294,"content":295},{"textAlign":25,"key":206},[296],{"text":297,"type":116},"Una herramienta como Spendesk conecta solicitudes, aprobaciones, proveedores y pagos en un único flujo. También ofrece tarjetas físicas y virtuales con controles y límites de gasto, además de funciones de captura y automatización de datos. Estas capacidades pueden ayudar a reducir la introducción manual en determinados procesos, pero no sustituyen la revisión ni garantizan por sí solas la exactitud contable o el cumplimiento normativo.",{"type":160,"attrs":299,"content":300},{"level":162,"textAlign":25},[301],{"text":302,"type":116},"Funciones imprescindibles de un software de compras para finanzas",{"type":110,"attrs":304,"content":305},{"textAlign":25,"key":217},[306,308,314],{"text":307,"type":116},"No todas las herramientas de",{"text":309,"type":116,"marks":310}," gestión de compras",[311],{"type":237,"attrs":312},{"href":313,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-gastos/",{"text":315,"type":116}," están diseñadas pensando en el equipo de finanzas. Antes de evaluar proveedores, conviene definir qué funciones marcan la diferencia para quien controla el presupuesto y responde ante una auditoría.",{"type":110,"attrs":317,"content":318},{"textAlign":25,"key":223},[319,324],{"text":320,"type":116,"marks":321},"Solicitudes internas y formularios personalizables.",[322],{"type":323},"bold",{"text":325,"type":116}," Cada tipo de compra tiene sus propios campos: centro de coste, proyecto, fecha de entrega y justificación. Un formulario estándar no siempre basta. La herramienta debe permitir crear formularios adaptados a software, servicios, material de oficina o viajes, y capturar la información necesaria desde el primer momento.",{"type":110,"attrs":327,"content":328},{"textAlign":25,"key":229},[329,333],{"text":330,"type":116,"marks":331},"Flujos de aprobación por importe, centro de coste y proyecto.",[332],{"type":323},{"text":334,"type":116}," Una compra de 50 € no requiere necesariamente la misma cadena de validación que una de 5.000 €. Los flujos configurables permiten que el responsable de equipo apruebe determinados importes mientras que el director financiero interviene en compras de mayor impacto. Los proyectos pueden utilizarse como campos analíticos o personalizados cuando la solución lo permita, pero conviene comprobar si forman parte de las reglas de aprobación o solo de la clasificación y los informes.",{"type":110,"attrs":336,"content":337},{"textAlign":25,"key":245},[338,342,344,350],{"text":339,"type":116,"marks":340},"Presupuesto y visibilidad del gasto en tiempo real.",[341],{"type":323},{"text":343,"type":116}," El equipo de finanzas necesita saber cuánto presupuesto queda disponible antes de aprobar una solicitud. Un sistema que muestra el gasto realizado y el impacto de las solicitudes aprobadas puede mejorar la visibilidad frente a un proceso basado únicamente en facturas pagadas. Conviene comprobar exactamente qué fases del proceso se incluyen en el cálculo del gasto comprometido y cómo se actualizan los datos. Esto ayuda a evitar",{"text":345,"type":116,"marks":346}," sorpresas al cierre",[347],{"type":237,"attrs":348},{"href":349,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.spendesk.com/es/blog/control-presupuestario/",{"text":351,"type":116},".",{"type":110,"attrs":353,"content":354},{"textAlign":25,"key":251},[355,359],{"text":356,"type":116,"marks":357},"Integración con ERP, contabilidad y gestoría.",[358],{"type":323},{"text":360,"type":116}," La herramienta de compras debe poder intercambiar datos con el ERP o el software contable que utilice la empresa. La disponibilidad de integraciones concretas con A3, Holded, Sage u otras soluciones debe verificarse para cada producto, mercado y configuración. Trabajar con una gestoría externa no implica necesariamente que exista un conector específico con la gestoría: puede requerir exportaciones, API o el uso del sistema contable conectado.",{"type":110,"attrs":362,"content":364},{"textAlign":25,"key":363},"p-11",[365,369],{"text":366,"type":116,"marks":367},"Cumplimiento normativo español.",[368],{"type":323},{"text":370,"type":116}," Las obligaciones de la empresa pueden incluir el Suministro Inmediato de Información (SII), la factura electrónica dirigida a las administraciones públicas mediante los formatos y canales aplicables, y los requisitos de los sistemas informáticos de facturación. El software de compras no tiene por qué integrar directamente todas estas obligaciones. Es importante identificar qué sistema gestiona cada requisito y cómo se intercambian los datos.",{"type":110,"attrs":372,"content":374},{"textAlign":25,"key":373},"p-12",[375],{"text":376,"type":116},"En el caso de los sistemas informáticos de facturación sujetos a la normativa, los plazos actuales de adaptación son el 1 de enero de 2027 para los contribuyentes del Impuesto sobre Sociedades y el 1 de julio de 2027 para el resto de obligados incluidos en el ámbito de aplicación. VeriFactu es una de las modalidades posibles, no un formato universal de factura electrónica. La obligación B2B de factura electrónica responde a un calendario distinto y sus plazos dependen de la entrada en vigor de la orden ministerial prevista en la normativa.",{"type":110,"attrs":378,"content":380},{"textAlign":25,"key":379},"p-13",[381],{"text":382,"type":116},"Un controller que evalúa dos plataformas puede descubrir que una permite configurar flujos por importe y centro de coste, mientras que la otra solo admite aprobaciones lineales por departamento. Para una empresa con varias líneas de negocio, esa diferencia puede determinar si finanzas recupera visibilidad o sigue persiguiendo autorizaciones.",{"type":160,"attrs":384,"content":385},{"level":162,"textAlign":25},[386],{"text":387,"type":116},"Evaluación y onboarding de proveedores sin frenar al equipo",{"type":110,"attrs":389,"content":391},{"textAlign":25,"key":390},"p-14",[392],{"text":393,"type":116},"La relación con los proveedores no termina cuando se decide a quién comprar. Cada nuevo proveedor implica recopilar datos, registrar condiciones de pago y documentar contratos. Cuando este proceso es manual, puede convertirse en un cuello de botella o realizarse sin los controles adecuados.",{"type":110,"attrs":395,"content":397},{"textAlign":25,"key":396},"p-15",[398,400,406],{"text":399,"type":116},"La",{"text":401,"type":116,"marks":402}," centralización de proveedores y contratos",[403],{"type":237,"attrs":404},{"href":405,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":407,"type":116}," en un único repositorio permite consultar qué proveedores están activos, cuándo vencen los contratos y qué condiciones se pactaron. Esta visibilidad puede ayudar a detectar renovaciones próximas y revisar los servicios antes de que se renueven automáticamente.",{"type":110,"attrs":409,"content":411},{"textAlign":25,"key":410},"p-16",[412,414,420],{"text":413,"type":116},"El alta de nuevos proveedores y cualquier cambio en sus datos bancarios deben incluir controles proporcionales al riesgo. El",{"text":415,"type":116,"marks":416}," fraude de cambio de cuenta bancaria",[417],{"type":237,"attrs":418},{"href":419,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.incibe.es/empresas/blog/fraude-del-ceo-el-engano-que-puede-vaciar-la-cuenta-de-tu-pyme",{"text":421,"type":116}," puede producirse cuando un atacante suplanta al proveedor o compromete una cuenta de correo para redirigir un pago a otro número de cuenta.",{"type":110,"attrs":423,"content":425},{"textAlign":25,"key":424},"p-17",[426],{"text":427,"type":116},"La verificación del beneficiario puede señalar algunas discrepancias entre el nombre introducido y el titular asociado a una cuenta, pero no demuestra por sí sola que el proveedor sea legítimo, que la factura sea válida o que la cuenta no haya sido comprometida. Además, el resultado de la verificación no sustituye la decisión ni la revisión de la empresa.",{"type":110,"attrs":429,"content":431},{"textAlign":25,"key":430},"p-18",[432],{"text":433,"type":116},"Por eso, un cambio inesperado de datos bancarios debería activar controles adicionales: confirmación mediante un canal independiente, utilización de los datos de contacto ya registrados y aprobación por una persona distinta de quien solicitó el cambio. Estas medidas pueden reducir determinados riesgos, pero no garantizan la prevención del fraude.",{"type":110,"attrs":435,"content":437},{"textAlign":25,"key":436},"p-19",[438],{"text":439,"type":116},"La evaluación de proveedores también aporta valor a largo plazo. Registrar el cumplimiento de los plazos de entrega, la calidad del servicio y la resolución de incidencias permite tomar decisiones más informadas en futuras compras. Un proveedor que entrega tarde o factura con errores puede revisarse antes de que el problema se repita.",{"type":110,"attrs":441,"content":443},{"textAlign":25,"key":442},"p-20",[444],{"text":445,"type":116},"La estandarización del proceso puede reducir el gasto fuera de proceso, también conocido como _maverick spend_. Cuando dar de alta un proveedor requiere justificación y aprobación, los empleados pueden recurrir con mayor facilidad a proveedores ya validados. El efecto dependerá de las políticas internas, la experiencia de uso y el nivel de adopción de la herramienta.",{"type":110,"attrs":447,"content":449},{"textAlign":25,"key":448},"p-21",[450],{"text":451,"type":116},"Por ejemplo, si un responsable de administración recibe un correo de un proveedor habitual comunicando un cambio de IBAN, el proceso interno puede bloquear el cambio hasta que se confirme mediante un contacto independiente. Si el mensaje era fraudulento, esa verificación adicional puede evitar que el pago se desvíe.",{"type":160,"attrs":453,"content":454},{"level":162,"textAlign":25},[455],{"text":456,"type":116},"Criterios para comparar herramientas de _procure-to-pay_ o de la compra al pago en equipos financieros",{"type":110,"attrs":458,"content":460},{"textAlign":25,"key":459},"p-22",[461],{"text":462,"type":116},"No todas las herramientas que aparecen en una búsqueda de «software de compras» resuelven el mismo problema. Las suites enterprise de aprovisionamiento estratégico, como Coupa, SAP Ariba o Ivalua, están diseñadas para organizaciones que gestionan muchas categorías, licitaciones complejas y negociaciones contractuales a gran escala. Una empresa que busca control del gasto, aprobaciones claras y visibilidad presupuestaria puede necesitar un enfoque más sencillo y adaptado a su capacidad de adopción.",{"type":110,"attrs":464,"content":466},{"textAlign":25,"key":465},"p-23",[467,469,475],{"text":468,"type":116},"Un comité de selección que puntúa tres herramientas según sus funcionalidades puede descubrir que la plataforma más completa sobre el papel exige una implantación compleja, un equipo de consultores y un coste que supera el presupuesto disponible. La",{"text":470,"type":116,"marks":471}," herramienta adecuada",[472],{"type":237,"attrs":473},{"href":474,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.spendesk.com/es/blog/proceso-de-adquisicion-a-pago/",{"text":476,"type":116}," es la que encaja con el tamaño del equipo, la complejidad real de los procesos, las integraciones necesarias y la capacidad de adopción.",{"type":478,"content":479},"table",[480,518,548,577,606,635,664,693,722],{"type":481,"content":482},"tableRow",[483,496,507],{"type":484,"attrs":485,"content":487},"tableHeader",{"colspan":486,"rowspan":486,"colwidth":25},1,[488],{"type":110,"attrs":489,"content":491},{"textAlign":25,"key":490},"p-24",[492],{"text":493,"type":116,"marks":494},"Criterio",[495],{"type":323},{"type":484,"attrs":497,"content":498},{"colspan":486,"rowspan":486,"colwidth":25},[499],{"type":110,"attrs":500,"content":502},{"textAlign":25,"key":501},"p-25",[503],{"text":504,"type":116,"marks":505},"Por qué importa para finanzas",[506],{"type":323},{"type":484,"attrs":508,"content":509},{"colspan":486,"rowspan":486,"colwidth":25},[510],{"type":110,"attrs":511,"content":513},{"textAlign":25,"key":512},"p-26",[514],{"text":515,"type":116,"marks":516},"Qué mirar al comparar",[517],{"type":323},{"type":481,"content":519},[520,530,539],{"type":521,"attrs":522,"content":523},"tableCell",{"colspan":486,"rowspan":486,"colwidth":25},[524],{"type":110,"attrs":525,"content":527},{"textAlign":25,"key":526},"p-27",[528],{"text":529,"type":116},"Encaje con la organización",{"type":521,"attrs":531,"content":532},{"colspan":486,"rowspan":486,"colwidth":25},[533],{"type":110,"attrs":534,"content":536},{"textAlign":25,"key":535},"p-28",[537],{"text":538,"type":116},"Una herramienta demasiado compleja puede ralentizar la adopción, mientras que una solución limitada puede no cubrir los controles necesarios.",{"type":521,"attrs":540,"content":541},{"colspan":486,"rowspan":486,"colwidth":25},[542],{"type":110,"attrs":543,"content":545},{"textAlign":25,"key":544},"p-29",[546],{"text":547,"type":116},"Confirmar que el proveedor trabaja con organizaciones de complejidad y tamaño similares, y preguntar por el proceso de implantación.",{"type":481,"content":549},[550,559,568],{"type":521,"attrs":551,"content":552},{"colspan":486,"rowspan":486,"colwidth":25},[553],{"type":110,"attrs":554,"content":556},{"textAlign":25,"key":555},"p-30",[557],{"text":558,"type":116},"Control y aprobaciones",{"type":521,"attrs":560,"content":561},{"colspan":486,"rowspan":486,"colwidth":25},[562],{"type":110,"attrs":563,"content":565},{"textAlign":25,"key":564},"p-31",[566],{"text":567,"type":116},"Finanzas necesita visibilidad sin convertirse en un cuello de botella.",{"type":521,"attrs":569,"content":570},{"colspan":486,"rowspan":486,"colwidth":25},[571],{"type":110,"attrs":572,"content":574},{"textAlign":25,"key":573},"p-32",[575],{"text":576,"type":116},"Flujos configurables por importe y centro de coste, delegación y reglas de excepción.",{"type":481,"content":578},[579,588,597],{"type":521,"attrs":580,"content":581},{"colspan":486,"rowspan":486,"colwidth":25},[582],{"type":110,"attrs":583,"content":585},{"textAlign":25,"key":584},"p-33",[586],{"text":587,"type":116},"Visibilidad del gasto",{"type":521,"attrs":589,"content":590},{"colspan":486,"rowspan":486,"colwidth":25},[591],{"type":110,"attrs":592,"content":594},{"textAlign":25,"key":593},"p-34",[595],{"text":596,"type":116},"El presupuesto debe reflejar el gasto realizado y el impacto de las solicitudes aprobadas, no solo las facturas pagadas.",{"type":521,"attrs":598,"content":599},{"colspan":486,"rowspan":486,"colwidth":25},[600],{"type":110,"attrs":601,"content":603},{"textAlign":25,"key":602},"p-35",[604],{"text":605,"type":116},"Paneles actualizados y desglose por periodo, entidad, categoría, centro de coste o proyecto.",{"type":481,"content":607},[608,617,626],{"type":521,"attrs":609,"content":610},{"colspan":486,"rowspan":486,"colwidth":25},[611],{"type":110,"attrs":612,"content":614},{"textAlign":25,"key":613},"p-36",[615],{"text":616,"type":116},"Integración con ERP y contabilidad",{"type":521,"attrs":618,"content":619},{"colspan":486,"rowspan":486,"colwidth":25},[620],{"type":110,"attrs":621,"content":623},{"textAlign":25,"key":622},"p-37",[624],{"text":625,"type":116},"Permite reducir la introducción manual y los errores de 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gastos.",{"type":521,"attrs":656,"content":657},{"colspan":486,"rowspan":486,"colwidth":25},[658],{"type":110,"attrs":659,"content":661},{"textAlign":25,"key":660},"p-41",[662],{"text":663,"type":116},"Límites por persona o proyecto, tarjetas de uso único o de suscripción y controles configurables.",{"type":481,"content":665},[666,675,684],{"type":521,"attrs":667,"content":668},{"colspan":486,"rowspan":486,"colwidth":25},[669],{"type":110,"attrs":670,"content":672},{"textAlign":25,"key":671},"p-42",[673],{"text":674,"type":116},"Obligaciones aplicables en España",{"type":521,"attrs":676,"content":677},{"colspan":486,"rowspan":486,"colwidth":25},[678],{"type":110,"attrs":679,"content":681},{"textAlign":25,"key":680},"p-43",[682],{"text":683,"type":116},"SII, factura electrónica pública, factura electrónica B2B y sistemas informáticos de facturación son marcos diferentes.",{"type":521,"attrs":685,"content":686},{"colspan":486,"rowspan":486,"colwidth":25},[687],{"type":110,"attrs":688,"content":690},{"textAlign":25,"key":689},"p-44",[691],{"text":692,"type":116},"Identificar qué sistema gestiona cada obligación y comprobar formatos, responsabilidades e integraciones.",{"type":481,"content":694},[695,704,713],{"type":521,"attrs":696,"content":697},{"colspan":486,"rowspan":486,"colwidth":25},[698],{"type":110,"attrs":699,"content":701},{"textAlign":25,"key":700},"p-45",[702],{"text":703,"type":116},"Facilidad de adopción",{"type":521,"attrs":705,"content":706},{"colspan":486,"rowspan":486,"colwidth":25},[707],{"type":110,"attrs":708,"content":710},{"textAlign":25,"key":709},"p-46",[711],{"text":712,"type":116},"Una herramienta que nadie utiliza no resuelve el problema de control.",{"type":521,"attrs":714,"content":715},{"colspan":486,"rowspan":486,"colwidth":25},[716],{"type":110,"attrs":717,"content":719},{"textAlign":25,"key":718},"p-47",[720],{"text":721,"type":116},"Interfaz clara, formación, soporte y experiencia de usuario.",{"type":481,"content":723},[724,733,742],{"type":521,"attrs":725,"content":726},{"colspan":486,"rowspan":486,"colwidth":25},[727],{"type":110,"attrs":728,"content":730},{"textAlign":25,"key":729},"p-48",[731],{"text":732,"type":116},"Soporte y condiciones contractuales",{"type":521,"attrs":734,"content":735},{"colspan":486,"rowspan":486,"colwidth":25},[736],{"type":110,"attrs":737,"content":739},{"textAlign":25,"key":738},"p-49",[740],{"text":741,"type":116},"Es importante evitar una dependencia excesiva del proveedor.",{"type":521,"attrs":743,"content":744},{"colspan":486,"rowspan":486,"colwidth":25},[745],{"type":110,"attrs":746,"content":748},{"textAlign":25,"key":747},"p-50",[749],{"text":750,"type":116},"Acuerdos de nivel de servicio, idioma del soporte, condiciones de cancelación y portabilidad de los datos.",{"type":110,"attrs":752,"content":754},{"textAlign":25,"key":753},"p-51",[755],{"text":756,"type":116},"Para una empresa que busca controlar el gasto sin desplegar una suite enterprise, una herramienta como Spendesk puede encajar si sus necesidades se centran en solicitudes, aprobaciones, proveedores, contratos, pagos y controles de gasto. La solución está orientada tanto a equipos de finanzas como de compras, y la adecuación final dependerá de la configuración, las integraciones y los requisitos de la empresa.",{"type":160,"attrs":758,"content":759},{"level":162,"textAlign":25},[760],{"text":761,"type":116},"Señales de que tu proceso de compras ya no cabe en una hoja de cálculo",{"type":110,"attrs":763,"content":765},{"textAlign":25,"key":764},"p-52",[766],{"text":767,"type":116},"El Excel compartido funciona hasta que deja de funcionar. Hay señales claras de que los procesos de compras manuales han tocado techo y están generando más problemas de los que resuelven.",{"type":110,"attrs":769,"content":771},{"textAlign":25,"key":770},"p-53",[772,776],{"text":773,"type":116,"marks":774},"Pedidos duplicados y aprobaciones perdidas.",[775],{"type":323},{"text":777,"type":116}," Dos departamentos pueden contratar el mismo software sin saberlo porque nadie tiene una visión centralizada de los proveedores activos. El problema aparece cuando llegan varias facturas por un servicio similar.",{"type":110,"attrs":779,"content":781},{"textAlign":25,"key":780},"p-54",[782,786,788,794],{"text":783,"type":116,"marks":784},"Cierre contable con sorpresas.",[785],{"type":323},{"text":787,"type":116}," Si el equipo de finanzas no conoce el impacto de las solicitudes aprobadas hasta que llegan las facturas, el",{"text":789,"type":116,"marks":790}," cierre mensual",[791],{"type":237,"attrs":792},{"href":793,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.spendesk.com/es/blog/controller-financiero/",{"text":795,"type":116}," se convierte en un ejercicio de reconstrucción. Las desviaciones aparecen cuando ya queda poco margen para corregirlas.",{"type":110,"attrs":797,"content":799},{"textAlign":25,"key":798},"p-55",[800,804],{"text":801,"type":116,"marks":802},"Falta de una visión única de proveedores y contratos.",[803],{"type":323},{"text":805,"type":116}," Cuando los contratos viven en carpetas de distintos departamentos, las renovaciones pasan desapercibidas y las condiciones pactadas se olvidan.",{"type":110,"attrs":807,"content":809},{"textAlign":25,"key":808},"p-56",[810,814],{"text":811,"type":116,"marks":812},"El crecimiento rompe el control manual.",[813],{"type":323},{"text":815,"type":116}," Un proceso que funcionaba con un equipo pequeño puede dejar de ser sostenible cuando aumentan los usuarios, las entidades, los proveedores o el volumen de solicitudes. El equipo de finanzas no puede escalar persiguiendo aprobaciones por correo electrónico.",{"type":110,"attrs":817,"content":819},{"textAlign":25,"key":818},"p-57",[820],{"text":821,"type":116},"Por ejemplo, una empresa puede descubrir que paga dos licencias de videoconferencia contratadas por equipos distintos. Una visión centralizada de proveedores, contratos y gasto puede ayudar a detectar este tipo de duplicidades antes de que se prolonguen.",{"type":823},"horizontal_rule",{"type":110,"attrs":825,"content":827},{"textAlign":25,"key":826},"p-58",[828],{"text":829,"type":116,"marks":830},"Descubre cómo funciona Spendesk",[831],{"type":237,"attrs":832},{"href":833,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://cta-redirect.hubspot.com/cta/redirect/2694209/03098c55-28b6-455d-827f-0aa7abdb09f5",{"name":835,"created_at":836,"published_at":16,"updated_at":837,"id":838,"uuid":839,"content":840,"slug":847,"full_slug":848,"sort_by_date":25,"position":52,"tag_list":849,"is_startpage":28,"parent_id":850,"meta_data":25,"group_id":851,"first_published_at":852,"release_id":25,"lang":32,"path":25,"alternates":853,"default_full_slug":854,"translated_slugs":855,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":841,"icon":842,"name":835,"component":846},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":843,"alt":844,"name":90,"focus":90,"title":90,"filename":845,"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",[856,857,858],{"path":854,"name":25,"lang":37,"published":25},{"path":854,"name":25,"lang":39,"published":25},{"path":854,"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.",[],[868],{"_uid":869,"items":870,"heading":922,"component":945},"694060cd-7f73-4d21-964e-bfc3d015e288",[871,882,892,902,912],{"_uid":872,"title":873,"component":874,"description":875},"20410847-1c86-448c-bf8d-5e5b9610fec4","¿Qué es el proceso de compras?","faqItem",{"type":107,"content":876},[877],{"type":110,"attrs":878,"content":879},{"textAlign":25,"key":112},[880],{"text":881,"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":883,"title":884,"component":874,"description":885},"956cf1c7-ea52-4e4c-86a9-1476d4a6c71a","¿En qué se diferencia el procure-to-pay de un ERP?",{"type":107,"content":886},[887],{"type":110,"attrs":888,"content":889},{"textAlign":25,"key":112},[890],{"text":891,"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":893,"title":894,"component":874,"description":895},"89a515a1-b236-44f1-8bed-aa54da5bd802","¿Necesito un software de compras si ya tengo una gestoría o un ERP?",{"type":107,"content":896},[897],{"type":110,"attrs":898,"content":899},{"textAlign":25,"key":112},[900],{"text":901,"type":116},"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":903,"title":904,"component":874,"description":905},"a75afb36-ff3d-4435-90a6-7d03a1618aed","¿Cómo puede ayudar la automatización en la evaluación y el onboarding de proveedores?",{"type":107,"content":906},[907],{"type":110,"attrs":908,"content":909},{"textAlign":25,"key":112},[910],{"text":911,"type":116},"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. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":2528,"content":2529},{"textAlign":25},[2530,2534,2535],{"text":2531,"type":116,"marks":2532},"Para los equipos financieros",[2533],{"type":323},{"type":2364},{"text":2536,"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":2538,"content":2539},{"textAlign":25},[2540],{"text":2541,"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. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":110,"attrs":2543,"content":2544},{"textAlign":25},[2545],{"text":2546,"type":116},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":110,"attrs":2548,"content":2549},{"textAlign":25},[2550],{"text":2551,"type":116},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":110,"attrs":2553,"content":2554},{"textAlign":25},[2555],{"text":2556,"type":116},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2558],{"cta":2559,"_uid":2560,"title":2561,"eyebrow":2568,"subtitle":2571,"component":160,"textAlign":90,"sectionSettings":2577,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":2562},[2563],{"type":160,"attrs":2564,"content":2565},{"level":162},[2566],{"text":2567,"type":116},"Empezar con Spendesk",{"type":107,"content":2569},[2570],{"type":110},{"type":107,"content":2572},[2573],{"type":110,"content":2574},[2575],{"text":2576,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2582,2713,2834,2923,3066,3212,3342,3512,3650,3784,3898,3983,4060,4180,4236],{"name":2583,"created_at":2584,"published_at":2585,"updated_at":2586,"id":2587,"uuid":2588,"content":2589,"slug":2702,"full_slug":2703,"sort_by_date":25,"position":2704,"tag_list":2705,"is_startpage":28,"parent_id":950,"meta_data":25,"group_id":2706,"first_published_at":2585,"release_id":25,"lang":32,"path":25,"alternates":2707,"default_full_slug":2708,"translated_slugs":2709},"Homologación y portales de proveedores: evaluar, dar de alta y gobernar","2026-08-26T15:56:43.000Z","2026-08-26T16:07:14.527Z","2026-08-26T16:07:14.554Z",213279551544644,"df2fe6b5-9582-43a1-9457-a1491afec76a",{"_uid":2590,"title":2583,"topics":2591,"noIndex":28,"category":2600,"language":2609,"component":847,"heroMedia":2610,"metaTitle":2611,"publishedAt":90,"readingTime":2612,"redirectUrl":90,"listingImage":2613,"metaDescription":2614,"bottomArticleCta":2615,"componentsAfterTheArticle":2616},"a6908dcc-aa94-4298-8df2-3a036e19fee3",[2592],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2593,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2594,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2595,"default_full_slug":147,"translated_slugs":2596,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2597,2598,2599],{"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":835,"created_at":836,"published_at":16,"updated_at":837,"id":838,"uuid":839,"content":2601,"slug":847,"full_slug":848,"sort_by_date":25,"position":52,"tag_list":2603,"is_startpage":28,"parent_id":850,"meta_data":25,"group_id":851,"first_published_at":852,"release_id":25,"lang":32,"path":25,"alternates":2604,"default_full_slug":854,"translated_slugs":2605,"_stopResolving":41},{"_uid":841,"icon":2602,"name":835,"component":846},{"id":843,"alt":844,"name":90,"focus":90,"title":90,"filename":845,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2606,2607,2608],{"path":854,"name":25,"lang":37,"published":25},{"path":854,"name":25,"lang":39,"published":25},{"path":854,"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.",[],[2617],{"_uid":2618,"items":2619,"heading":2680,"component":945},"03761e7c-8a3d-4a4b-9eea-d012fc737faf",[2620,2630,2640,2650,2660,2670],{"_uid":2621,"title":2622,"component":874,"description":2623},"bf064850-af57-4614-b489-93360c87829d","¿Qué diferencia hay entre homologación y precalificación de proveedores?",{"type":107,"content":2624},[2625],{"type":110,"attrs":2626,"content":2627},{"textAlign":25},[2628],{"text":2629,"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":2631,"title":2632,"component":874,"description":2633},"cf378fd2-4480-4154-a37a-265621902672","¿Con qué frecuencia hay que reevaluar a un proveedor?",{"type":107,"content":2634},[2635],{"type":110,"attrs":2636,"content":2637},{"textAlign":25},[2638],{"text":2639,"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":2641,"title":2642,"component":874,"description":2643},"7f1e9200-5183-44a0-98bb-a1fd89492a3d","¿Qué KPI sirven para medir a un proveedor?",{"type":107,"content":2644},[2645],{"type":110,"attrs":2646,"content":2647},{"textAlign":25},[2648],{"text":2649,"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":2651,"title":2652,"component":874,"description":2653},"b8321628-96f7-4f3e-a01e-d93dec724c28","¿Cuánto puede tardar dar de alta a un proveedor y cómo acortarlo?",{"type":107,"content":2654},[2655],{"type":110,"attrs":2656,"content":2657},{"textAlign":25},[2658],{"text":2659,"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":2661,"title":2662,"component":874,"description":2663},"bbd9f873-37d2-47f3-98f8-1d611be753d4","¿Cómo puede Spendesk ayudar a mejorar el control de costes?",{"type":107,"content":2664},[2665],{"type":110,"attrs":2666,"content":2667},{"textAlign":25},[2668],{"text":2669,"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":2671,"title":2672,"component":874,"description":2673},"8427c66e-c068-4401-85ab-a91acccec289","¿Puede Spendesk conectarse con mi software contable?",{"type":107,"content":2674},[2675],{"type":110,"attrs":2676,"content":2677},{"textAlign":25},[2678],{"text":2679,"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.",[2681],{"cta":2682,"_uid":2683,"title":2684,"eyebrow":2690,"subtitle":2695,"component":160,"textAlign":90,"flexibleSection":2700,"sectionSettings":2701,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"6530a95a-6300-4bed-b52d-1a6ee61c001e",{"type":107,"content":2685},[2686],{"type":160,"attrs":2687,"content":2688},{"level":162,"textAlign":25},[2689],{"text":932,"type":116},{"type":107,"content":2691},[2692],{"type":110,"attrs":2693,"content":2694},{"textAlign":25},[],{"type":107,"content":2696},[2697],{"type":110,"attrs":2698,"content":2699},{"textAlign":25},[],[],[],"homologacion-portales-de-proveedores","es/blog/homologacion-portales-de-proveedores",-2850,[],"890ad3bf-eaa7-4c17-afda-5b636834e6b1",[],"blog/homologacion-portales-de-proveedores",[2710,2711,2712],{"path":2708,"name":25,"lang":37,"published":25},{"path":2708,"name":25,"lang":39,"published":25},{"path":2708,"name":25,"lang":32,"published":25},{"name":2714,"created_at":2715,"published_at":2716,"updated_at":2717,"id":2718,"uuid":2719,"content":2720,"slug":2823,"full_slug":2824,"sort_by_date":25,"position":2825,"tag_list":2826,"is_startpage":28,"parent_id":950,"meta_data":25,"group_id":2827,"first_published_at":2716,"release_id":25,"lang":32,"path":25,"alternates":2828,"default_full_slug":2829,"translated_slugs":2830},"Ficha de proveedores: plantilla, campos y modelo para empresas","2026-08-26T15:56:39.699Z","2026-08-26T16:07:11.146Z","2026-08-26T16:07:11.184Z",213279538023721,"c22f6ca7-22d6-4fbf-9349-1ef9038abd0a",{"_uid":2721,"title":2714,"topics":2722,"noIndex":28,"category":2731,"language":2740,"component":847,"heroMedia":2741,"metaTitle":2742,"publishedAt":90,"readingTime":2743,"redirectUrl":90,"listingImage":2744,"metaDescription":2745,"bottomArticleCta":2746,"componentsAfterTheArticle":2747},"1f70dcb5-f688-4089-84c5-ef56b52ee337",[2723],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2724,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2725,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2726,"default_full_slug":147,"translated_slugs":2727,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2728,2729,2730],{"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":835,"created_at":836,"published_at":16,"updated_at":837,"id":838,"uuid":839,"content":2732,"slug":847,"full_slug":848,"sort_by_date":25,"position":52,"tag_list":2734,"is_startpage":28,"parent_id":850,"meta_data":25,"group_id":851,"first_published_at":852,"release_id":25,"lang":32,"path":25,"alternates":2735,"default_full_slug":854,"translated_slugs":2736,"_stopResolving":41},{"_uid":841,"icon":2733,"name":835,"component":846},{"id":843,"alt":844,"name":90,"focus":90,"title":90,"filename":845,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2737,2738,2739],{"path":854,"name":25,"lang":37,"published":25},{"path":854,"name":25,"lang":39,"published":25},{"path":854,"name":25,"lang":32,"published":25},[32],[],"Ficha de proveedores: plantilla, campos y modelo","17",[],"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.",[],[2748],{"_uid":2749,"items":2750,"heading":2801,"component":945},"70c14829-e41d-41a2-ae21-5afdcad57cc0",[2751,2761,2771,2781,2791],{"_uid":2752,"title":2753,"component":874,"description":2754},"aa66f489-8604-4db1-bea7-de8ecad6546d","¿Cuáles son los campos mínimos de una ficha de proveedor?",{"type":107,"content":2755},[2756],{"type":110,"attrs":2757,"content":2758},{"textAlign":25},[2759],{"text":2760,"type":116},"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":2762,"title":2763,"component":874,"description":2764},"fd9cad58-a254-4599-ab13-71cd1b53a876","¿Cuál es la diferencia entre denominación legal y nombre comercial?",{"type":107,"content":2765},[2766],{"type":110,"attrs":2767,"content":2768},{"textAlign":25},[2769],{"text":2770,"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":2772,"title":2773,"component":874,"description":2774},"b89ecdfe-e537-40cc-84b4-8e8e5867c26b","¿Cuánto tiempo hay que conservar los datos de un proveedor?",{"type":107,"content":2775},[2776],{"type":110,"attrs":2777,"content":2778},{"textAlign":25},[2779],{"text":2780,"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":2782,"title":2783,"component":874,"description":2784},"4363da7c-dff9-48e2-bd52-1f984495b285","¿Qué datos bancarios necesito para pagar a un proveedor?",{"type":107,"content":2785},[2786],{"type":110,"attrs":2787,"content":2788},{"textAlign":25},[2789],{"text":2790,"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":2792,"title":2793,"component":874,"description":2794},"e25dca40-69e6-43e5-836f-90078c356ae9","¿Es mejor una ficha de proveedores en Excel o en un software?",{"type":107,"content":2795},[2796],{"type":110,"attrs":2797,"content":2798},{"textAlign":25},[2799],{"text":2800,"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 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Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":3269,"title":3270,"component":874,"description":3271},"2d2f199c-768f-4311-ad9c-01d5d4b9a7a9","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":107,"content":3272},[3273],{"type":110,"attrs":3274,"content":3275},{"textAlign":25},[3276],{"text":3277,"type":116},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":3279,"title":3280,"component":874,"description":3281},"63d190c0-3c99-46fe-ad81-bf5387a86407","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":107,"content":3282},[3283],{"type":110,"attrs":3284,"content":3285},{"textAlign":25},[3286],{"text":3287,"type":116},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":3289,"title":3290,"component":874,"description":3291},"071f8fe8-6df9-47c2-b583-ef1168c36e2e","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":107,"content":3292},[3293],{"type":110,"attrs":3294,"content":3295},{"textAlign":25},[3296],{"text":3297,"type":116},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":3299,"title":3300,"component":874,"description":3301},"4de825b9-4c40-40ea-a669-61d8b133daab","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":107,"content":3302},[3303],{"type":110,"attrs":3304,"content":3305},{"textAlign":25},[3306],{"text":3307,"type":116},"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.",[3309],{"cta":3310,"_uid":3311,"title":3312,"eyebrow":3318,"subtitle":3323,"component":160,"textAlign":90,"flexibleSection":3328,"sectionSettings":3329,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"56d8941f-4368-4ebf-b3fa-30abb22e5a34",{"type":107,"content":3313},[3314],{"type":160,"attrs":3315,"content":3316},{"level":162,"textAlign":25},[3317],{"text":932,"type":116},{"type":107,"content":3319},[3320],{"type":110,"attrs":3321,"content":3322},{"textAlign":25},[],{"type":107,"content":3324},[3325],{"type":110,"attrs":3326,"content":3327},{"textAlign":25},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2370,[],"a3f091f5-323c-4173-a95e-1977530b00e3","2026-08-10T14:39:56.884Z",[],"blog/modelo-210-no-residentes",[3339,3340,3341],{"path":3337,"name":25,"lang":37,"published":25},{"path":3337,"name":25,"lang":39,"published":25},{"path":3337,"name":25,"lang":32,"published":25},{"name":3343,"created_at":3344,"published_at":3345,"updated_at":3346,"id":3347,"uuid":3348,"content":3349,"slug":3500,"full_slug":3501,"sort_by_date":25,"position":3502,"tag_list":3503,"is_startpage":28,"parent_id":950,"meta_data":25,"group_id":3504,"first_published_at":3505,"release_id":25,"lang":32,"path":25,"alternates":3506,"default_full_slug":3507,"translated_slugs":3508},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-26T16:05:57.920Z","2026-08-26T16:05:57.943Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":3350,"title":3343,"topics":3351,"noIndex":28,"category":3368,"language":3377,"component":847,"heroMedia":3378,"metaTitle":3379,"publishedAt":90,"readingTime":3112,"redirectUrl":90,"listingImage":3380,"metaDescription":3381,"bottomArticleCta":3382,"componentsAfterTheArticle":3383},"0d225812-4d55-44c2-b89f-006658f0f075",[3352,3360],{"name":1043,"created_at":2934,"published_at":16,"updated_at":2935,"id":2936,"uuid":2937,"content":3353,"slug":2939,"full_slug":2940,"sort_by_date":25,"position":141,"tag_list":3354,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":2942,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3355,"default_full_slug":2944,"translated_slugs":3356,"_stopResolving":41},{"_uid":138,"name":1043,"component":22},[],[],[3357,3358,3359],{"path":2944,"name":25,"lang":37,"published":25},{"path":2944,"name":25,"lang":39,"published":25},{"path":2944,"name":25,"lang":32,"published":25},{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3361,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3362,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3363,"default_full_slug":147,"translated_slugs":3364,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3365,3366,3367],{"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":835,"created_at":836,"published_at":16,"updated_at":837,"id":838,"uuid":839,"content":3369,"slug":847,"full_slug":848,"sort_by_date":25,"position":52,"tag_list":3371,"is_startpage":28,"parent_id":850,"meta_data":25,"group_id":851,"first_published_at":852,"release_id":25,"lang":32,"path":25,"alternates":3372,"default_full_slug":854,"translated_slugs":3373,"_stopResolving":41},{"_uid":841,"icon":3370,"name":835,"component":846},{"id":843,"alt":844,"name":90,"focus":90,"title":90,"filename":845,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3374,3375,3376],{"path":854,"name":25,"lang":37,"published":25},{"path":854,"name":25,"lang":39,"published":25},{"path":854,"name":25,"lang":32,"published":25},[32],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f",[],"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.",[],[3384],{"_uid":3385,"items":3386,"heading":3478,"component":945},"3a0a0e64-8720-4af2-91c3-673414935f4a",[3387,3420,3438,3448,3458,3468],{"_uid":3388,"title":3389,"component":874,"description":3390},"36103d57-5f5a-4af1-b116-c29162526b19","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":107,"content":3391},[3392],{"type":110,"attrs":3393,"content":3394},{"textAlign":25},[3395,3397,3403,3405,3411,3413,3419],{"text":3396,"type":116},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":3398,"type":116,"marks":3399}," Modelo 190 es su resumen anual informativo",[3400],{"type":237,"attrs":3401},{"href":3402,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":3404,"type":116},". Las retenciones de alquileres se declaran mediante el",{"text":3406,"type":116,"marks":3407}," Modelo 115",[3408],{"type":237,"attrs":3409},{"href":3410,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":3412,"type":116}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":3414,"type":116,"marks":3415}," Modelo 130",[3416],{"type":237,"attrs":3417},{"href":3418,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":351,"type":116},{"_uid":3421,"title":3422,"component":874,"description":3423},"9abeccc9-21dd-4c0a-825b-d1de2694bb12","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":107,"content":3424},[3425],{"type":110,"attrs":3426,"content":3427},{"textAlign":25},[3428,3430,3436],{"text":3429,"type":116},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":3431,"type":116,"marks":3432}," Modelo 111, en casillas separadas",[3433],{"type":237,"attrs":3434},{"href":3435,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":3437,"type":116},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":3439,"title":3440,"component":874,"description":3441},"4c266973-9d31-48f8-8102-ab45080ccaca","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":107,"content":3442},[3443],{"type":110,"attrs":3444,"content":3445},{"textAlign":25},[3446],{"text":3447,"type":116},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":3449,"title":3450,"component":874,"description":3451},"0d57caab-2cb2-4026-89b4-edfbb27fa3c7","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":107,"content":3452},[3453],{"type":110,"attrs":3454,"content":3455},{"textAlign":25},[3456],{"text":3457,"type":116},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":3459,"title":3460,"component":874,"description":3461},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":107,"content":3462},[3463],{"type":110,"attrs":3464,"content":3465},{"textAlign":25},[3466],{"text":3467,"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":3469,"title":3470,"component":874,"description":3471},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":107,"content":3472},[3473],{"type":110,"attrs":3474,"content":3475},{"textAlign":25},[3476],{"text":3477,"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.",[3479],{"cta":3480,"_uid":3481,"title":3482,"eyebrow":3488,"subtitle":3493,"component":160,"textAlign":90,"flexibleSection":3498,"sectionSettings":3499,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":107,"content":3483},[3484],{"type":160,"attrs":3485,"content":3486},{"level":162,"textAlign":25},[3487],{"text":932,"type":116},{"type":107,"content":3489},[3490],{"type":110,"attrs":3491,"content":3492},{"textAlign":25},[],{"type":107,"content":3494},[3495],{"type":110,"attrs":3496,"content":3497},{"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",[3509,3510,3511],{"path":3507,"name":25,"lang":37,"published":25},{"path":3507,"name":25,"lang":39,"published":25},{"path":3507,"name":25,"lang":32,"published":25},{"name":3513,"created_at":3514,"published_at":3515,"updated_at":3516,"id":3517,"uuid":3518,"content":3519,"slug":3638,"full_slug":3639,"sort_by_date":25,"position":3640,"tag_list":3641,"is_startpage":28,"parent_id":950,"meta_data":25,"group_id":3642,"first_published_at":3643,"release_id":25,"lang":32,"path":25,"alternates":3644,"default_full_slug":3645,"translated_slugs":3646},"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":3520,"title":3513,"topics":3521,"noIndex":28,"category":3538,"language":3547,"component":847,"heroMedia":3548,"metaTitle":3549,"publishedAt":3550,"readingTime":3551,"redirectUrl":90,"listingImage":3552,"metaDescription":3560,"bottomArticleCta":3561,"componentsAfterTheArticle":3562},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3522,3530],{"name":1043,"created_at":2934,"published_at":16,"updated_at":2935,"id":2936,"uuid":2937,"content":3523,"slug":2939,"full_slug":2940,"sort_by_date":25,"position":141,"tag_list":3524,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":2942,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3525,"default_full_slug":2944,"translated_slugs":3526,"_stopResolving":41},{"_uid":138,"name":1043,"component":22},[],[],[3527,3528,3529],{"path":2944,"name":25,"lang":37,"published":25},{"path":2944,"name":25,"lang":39,"published":25},{"path":2944,"name":25,"lang":32,"published":25},{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3531,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3532,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3533,"default_full_slug":147,"translated_slugs":3534,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3535,3536,3537],{"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":835,"created_at":836,"published_at":16,"updated_at":837,"id":838,"uuid":839,"content":3539,"slug":847,"full_slug":848,"sort_by_date":25,"position":52,"tag_list":3541,"is_startpage":28,"parent_id":850,"meta_data":25,"group_id":851,"first_published_at":852,"release_id":25,"lang":32,"path":25,"alternates":3542,"default_full_slug":854,"translated_slugs":3543,"_stopResolving":41},{"_uid":841,"icon":3540,"name":835,"component":846},{"id":843,"alt":844,"name":90,"focus":90,"title":90,"filename":845,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3544,3545,3546],{"path":854,"name":25,"lang":37,"published":25},{"path":854,"name":25,"lang":39,"published":25},{"path":854,"name":25,"lang":32,"published":25},[32],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00","13",[3553],{"_uid":3554,"asset":3555,"caption":90,"component":3559},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3556,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3557,"copyright":90,"fieldtype":95,"meta_data":3558,"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.",[],[3563],{"_uid":3564,"items":3565,"heading":1255,"component":945},"d437e15a-ca83-40ff-962f-928bbc083496",[3566,3584,3594,3604,3614],{"_uid":3567,"title":3568,"component":874,"description":3569},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3570},[3571],{"type":110,"attrs":3572,"content":3573},{"textAlign":25},[3574,3576,3582],{"text":3575,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3577,"type":116,"marks":3578},"Ley 15/2010",[3579],{"type":237,"attrs":3580},{"href":3581,"uuid":25,"anchor":25,"target":240,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3583,"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":3585,"title":3586,"component":874,"description":3587},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3588},[3589],{"type":110,"attrs":3590,"content":3591},{"textAlign":25},[3592],{"text":3593,"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":3595,"title":3596,"component":874,"description":3597},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3598},[3599],{"type":110,"attrs":3600,"content":3601},{"textAlign":25},[3602],{"text":3603,"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":3605,"title":3606,"component":874,"description":3607},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3608},[3609],{"type":110,"attrs":3610,"content":3611},{"textAlign":25},[3612],{"text":3613,"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":3615,"title":3616,"component":874,"description":3617},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3618},[3619],{"type":110,"attrs":3620,"content":3621},{"textAlign":25},[3622,3624,3629,3631,3637],{"text":3623,"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":3625,"type":116,"marks":3626},"conciliación",[3627],{"type":237,"attrs":3628},{"href":239,"uuid":25,"anchor":25,"target":240,"linktype":98},{"text":3630,"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":3632,"type":116,"marks":3633},"visita 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[3690],{"_uid":3691,"asset":3692,"caption":90,"component":3559},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":3693,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3694,"copyright":90,"fieldtype":95,"meta_data":3695,"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.",[],[3699],{"_uid":3700,"items":3701,"heading":1255,"component":945},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3702,3712,3722,3732,3742,3752,3762],{"_uid":3703,"title":3704,"component":874,"description":3705},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":3706},[3707],{"type":110,"attrs":3708,"content":3709},{"textAlign":25},[3710],{"text":3711,"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":3713,"title":3714,"component":874,"description":3715},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":3716},[3717],{"type":110,"attrs":3718,"content":3719},{"textAlign":25},[3720],{"text":3721,"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":3723,"title":3724,"component":874,"description":3725},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3726},[3727],{"type":110,"attrs":3728,"content":3729},{"textAlign":25},[3730],{"text":3731,"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":3733,"title":3734,"component":874,"description":3735},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3736},[3737],{"type":110,"attrs":3738,"content":3739},{"textAlign":25},[3740],{"text":3741,"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":3743,"title":3744,"component":874,"description":3745},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3746},[3747],{"type":110,"attrs":3748,"content":3749},{"textAlign":25},[3750],{"text":3751,"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":3753,"title":3754,"component":874,"description":3755},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3756},[3757],{"type":110,"attrs":3758,"content":3759},{"textAlign":25},[3760],{"text":3761,"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":3763,"title":3764,"component":874,"description":3765},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":3766},[3767],{"type":110,"attrs":3768,"content":3769},{"textAlign":25},[3770],{"text":3771,"type":116},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1720,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[3781,3782,3783],{"path":3779,"name":25,"lang":37,"published":25},{"path":3779,"name":25,"lang":39,"published":25},{"path":3779,"name":25,"lang":32,"published":25},{"name":3785,"created_at":3786,"published_at":3787,"updated_at":3788,"id":3789,"uuid":3790,"content":3791,"slug":3886,"full_slug":3887,"sort_by_date":25,"position":3888,"tag_list":3889,"is_startpage":28,"parent_id":950,"meta_data":25,"group_id":3890,"first_published_at":3891,"release_id":25,"lang":32,"path":25,"alternates":3892,"default_full_slug":3893,"translated_slugs":3894},"Ley Crea y Crece: plazos, requisitos y pasos para cumplir con la factura electrónica obligatoria","2026-06-02T11:09:18.499Z","2026-07-15T12:07:42.594Z","2026-08-11T08:24:24.087Z",183127894073824,"ceb5242e-7821-4046-a9fe-36191d9c08ac",{"_uid":3792,"title":3785,"topics":3793,"noIndex":28,"category":3810,"language":3819,"component":847,"heroMedia":3820,"metaTitle":3821,"publishedAt":3822,"readingTime":3112,"redirectUrl":90,"listingImage":3823,"metaDescription":3830,"bottomArticleCta":3831,"componentsAfterTheArticle":3832},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[3794,3802],{"name":1043,"created_at":2934,"published_at":16,"updated_at":2935,"id":2936,"uuid":2937,"content":3795,"slug":2939,"full_slug":2940,"sort_by_date":25,"position":141,"tag_list":3796,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":2942,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3797,"default_full_slug":2944,"translated_slugs":3798,"_stopResolving":41},{"_uid":138,"name":1043,"component":22},[],[],[3799,3800,3801],{"path":2944,"name":25,"lang":37,"published":25},{"path":2944,"name":25,"lang":39,"published":25},{"path":2944,"name":25,"lang":32,"published":25},{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3803,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3804,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3805,"default_full_slug":147,"translated_slugs":3806,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3807,3808,3809],{"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":835,"created_at":836,"published_at":16,"updated_at":837,"id":838,"uuid":839,"content":3811,"slug":847,"full_slug":848,"sort_by_date":25,"position":52,"tag_list":3813,"is_startpage":28,"parent_id":850,"meta_data":25,"group_id":851,"first_published_at":852,"release_id":25,"lang":32,"path":25,"alternates":3814,"default_full_slug":854,"translated_slugs":3815,"_stopResolving":41},{"_uid":841,"icon":3812,"name":835,"component":846},{"id":843,"alt":844,"name":90,"focus":90,"title":90,"filename":845,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3816,3817,3818],{"path":854,"name":25,"lang":37,"published":25},{"path":854,"name":25,"lang":39,"published":25},{"path":854,"name":25,"lang":32,"published":25},[32],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co","2026-04-23 00:00",[3824],{"_uid":3825,"asset":3826,"caption":90,"component":3559},"4fe17535-01b6-4bff-824b-48b60abdd21e",{"id":3827,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3828,"copyright":90,"fieldtype":95,"meta_data":3829,"is_external_url":28},198046573614420,"https://a.storyblok.com/f/146026/2752x1536/730e5385e7/spendesk_blog_cover_ley_crea_crece.jpg",{},"El RD 238/2026 fija los plazos de la factura electrónica obligatoria en España. Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[3833],{"_uid":3834,"items":3835,"heading":1255,"component":945},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3836,3846,3856,3866,3876],{"_uid":3837,"title":3838,"component":874,"description":3839},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3840},[3841],{"type":110,"attrs":3842,"content":3843},{"textAlign":25},[3844],{"text":3845,"type":116},"Desde octubre de 2027 para empresas con facturación superior a 8 millones de euros anuales, y desde octubre de 2028 para todas las demás empresas y autónomos. Ambas fechas se derivan del RD 238/2026.",{"_uid":3847,"title":3848,"component":874,"description":3849},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":3850},[3851],{"type":110,"attrs":3852,"content":3853},{"textAlign":25},[3854],{"text":3855,"type":116},"VERI*FACTU regula la generación de facturas: software certificado que envía registros a la AEAT en tiempo real. La Ley Crea y Crece regula el intercambio B2B: facturas en formato estructurado (UBL, CII) entre empresas, con seguimiento obligatorio del estado en un plazo de cuatro días naturales. Ambas son obligatorias de forma simultánea.",{"_uid":3857,"title":3858,"component":874,"description":3859},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":3860},[3861],{"type":110,"attrs":3862,"content":3863},{"textAlign":25},[3864],{"text":3865,"type":116},"Sí. La factura simplificada es un documento fiscal válido y se puede contabilizar. Bajo el nuevo régimen, el estado de la factura simplificada debe rastrearse electrónicamente, igual que una factura completa. El umbral se mantiene en 400 € para el contexto general.",{"_uid":3867,"title":3868,"component":874,"description":3869},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":3870},[3871],{"type":110,"attrs":3872,"content":3873},{"textAlign":25},[3874],{"text":3875,"type":116},"Sí, existe una categoría específica dentro del programa Kit Digital, con ayudas de hasta 12.000 € para pymes, destinada a la digitalización de la facturación. Sin embargo, las empresas que no cumplan con la obligación de comunicar el estado de pago de sus facturas pueden quedar excluidas de estas ayudas y otras subvenciones públicas.",{"_uid":3877,"title":3878,"component":874,"description":3879},"99ebd368-a143-4754-889a-43a7c65883da","¿Se aplica la Ley Crea y Crece en el País Vasco y Navarra?",{"type":107,"content":3880},[3881],{"type":110,"attrs":3882,"content":3883},{"textAlign":25},[3884],{"text":3885,"type":116},"No. Los territorios forales tienen competencia fiscal propia. En el País Vasco, el sistema TicketBAI lleva operativo desde 2022 y sustituye al régimen nacional. Navarra tiene su propia regulación. 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