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Antes, quien dirigía las finanzas en una empresa era un experto en contabilidad. Pero actualmente ",[101],{"type":102,"attrs":103},"textStyle",{"color":104},"rgb(0, 0, 0)",{"text":106,"type":52,"marks":107},"los CFO",[108,121],{"type":109,"attrs":110},"link",{"href":111,"uuid":112,"anchor":47,"target":113,"linktype":114,"story":115},"/blog/cfo-significado","243f4acd-d1a6-408e-aa56-8dd4f9e62f89","_self","story",{"name":116,"id":117,"uuid":112,"slug":118,"url":119,"full_slug":120,"_stopResolving":69},"CFO significado: ¿Maestro de las cifras o estratega?",329616834,"cfo-significado","blog/cfo-significado","es/blog/cfo-significado",{"type":102,"attrs":122},{"color":104},{"text":124,"type":52,"marks":125}," son grandes consultores empresariales y parte del liderazgo ejecutivo, además de contar con otros talentos.",[126],{"type":102,"attrs":127},{"color":104},{"type":45,"attrs":129,"content":131},{"textAlign":47,"key":130},"p-1",[132],{"text":133,"type":52,"marks":134},"Los directores financieros modernos deben dominar:",[135],{"type":102,"attrs":136},{"color":104},{"type":138,"content":139},"bullet_list",[140,152,163,174,185,196],{"type":141,"content":142},"list_item",[143],{"type":45,"attrs":144,"content":146},{"textAlign":47,"key":145},"p-2",[147],{"text":148,"type":52,"marks":149},"Recursos Humanos y gestión del personal.",[150],{"type":102,"attrs":151},{"color":104},{"type":141,"content":153},[154],{"type":45,"attrs":155,"content":157},{"textAlign":47,"key":156},"p-3",[158],{"text":159,"type":52,"marks":160},"Problemas que surjan con las nóminas.",[161],{"type":102,"attrs":162},{"color":104},{"type":141,"content":164},[165],{"type":45,"attrs":166,"content":168},{"textAlign":47,"key":167},"p-4",[169],{"text":170,"type":52,"marks":171},"Normas y regulaciones legales.",[172],{"type":102,"attrs":173},{"color":104},{"type":141,"content":175},[176],{"type":45,"attrs":177,"content":179},{"textAlign":47,"key":178},"p-5",[180],{"text":181,"type":52,"marks":182},"Estrategia empresarial y emprendimiento.",[183],{"type":102,"attrs":184},{"color":104},{"type":141,"content":186},[187],{"type":45,"attrs":188,"content":190},{"textAlign":47,"key":189},"p-6",[191],{"text":192,"type":52,"marks":193},"Visualización de datos.",[194],{"type":102,"attrs":195},{"color":104},{"type":141,"content":197},[198],{"type":45,"attrs":199,"content":201},{"textAlign":47,"key":200},"p-7",[202],{"text":203,"type":52,"marks":204},"Todo lo demás que tenga que ver con administración, legalidad y finanzas.",[205],{"type":102,"attrs":206},{"color":104},{"type":45,"attrs":208,"content":210},{"textAlign":47,"key":209},"p-8",[211],{"text":212,"type":52,"marks":213},"El mundo de las finanzas se está volviendo cada vez más tecnológico. Y los principales directores financieros necesitan tener a mano buenas herramientas para gestionar todos los nuevos desafíos que se les presenten.",[214],{"type":102,"attrs":215},{"color":104},{"type":45,"attrs":217,"content":219},{"textAlign":47,"key":218},"p-9",[220],{"text":221,"type":52,"marks":222},"Por esa razón, en este artículo te mostraremos algunas herramientas digitales que te encantarán. ",[223],{"type":102,"attrs":224},{"color":104},{"type":226,"attrs":227},"blok",{"id":228,"body":229},"52395102-d652-48d7-bc0c-3ded0e883f7e",[230],{"_uid":231,"html":232,"component":233},"i-2393b4d8-3a13-45be-8fcd-7cf3800c9fcf","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-c964f302-2ac1-498f-9d70-d18c4caad6a8\">\u003Cspan class=\"hs-cta-node hs-cta-c964f302-2ac1-498f-9d70-d18c4caad6a8\" id=\"hs-cta-c964f302-2ac1-498f-9d70-d18c4caad6a8\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/c964f302-2ac1-498f-9d70-d18c4caad6a8\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-c964f302-2ac1-498f-9d70-d18c4caad6a8\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/c964f302-2ac1-498f-9d70-d18c4caad6a8.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'c964f302-2ac1-498f-9d70-d18c4caad6a8', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":235,"attrs":236,"content":238},"heading",{"level":237,"textAlign":47},2,[239],{"text":240,"type":52,"marks":241},"Claves para saber qué herramientas digitales utilizar",[242],{"type":102,"attrs":243},{"color":104},{"type":45,"attrs":245,"content":247},{"textAlign":47,"key":246},"p-10",[248],{"text":249,"type":52,"marks":250},"Antes de analizar qué herramientas digitales en específico puedes considerar, estos son algunas claves que debe tener tu próximo software:",[251],{"type":102,"attrs":252},{"color":104},{"type":254,"attrs":255,"content":259},"ordered_list",{"order":256,"key":258},{"order":257},1,"ol-0",[260,271,282,293,304,315],{"type":141,"content":261},[262],{"type":45,"attrs":263,"content":265},{"textAlign":47,"key":264},"p-11",[266],{"text":267,"type":52,"marks":268},"Necesitas una amplia gama de herramientas digitales. La tecnología, los nuevos métodos de pago y los modelos comerciales actualizados obligan a los directores financieros a tener que contar con diferentes herramientas digitales para realizar su trabajo. Por supuesto, es posible usar solo unos pocos programas, pero aun así, te hará falta el software que satisfaga una variedad de necesidades muy específicas.",[269],{"type":102,"attrs":270},{"color":104},{"type":141,"content":272},[273],{"type":45,"attrs":274,"content":276},{"textAlign":47,"key":275},"p-12",[277],{"text":278,"type":52,"marks":279},"Elige con cuidado y no te apresures. Como regla general, siempre es mejor pensar detenidamente antes de adquirir una nueva herramienta digital. Esto es particularmente importante al hablar de herramientas financieras, ya que contendrán grandes cantidades de datos sensibles.",[280],{"type":102,"attrs":281},{"color":104},{"type":141,"content":283},[284],{"type":45,"attrs":285,"content":287},{"textAlign":47,"key":286},"p-13",[288],{"text":289,"type":52,"marks":290},"Piensa en la posibilidad de desarrollarlo internamente. Este paso asusta, pero si realmente necesitas algo hecho a medida, la mejor opción es construirlo. Pero ten cuidado: si se ejecuta mal, tendrás dolores de cabeza en el futuro.",[291],{"type":102,"attrs":292},{"color":104},{"type":141,"content":294},[295],{"type":45,"attrs":296,"content":298},{"textAlign":47,"key":297},"p-14",[299],{"text":300,"type":52,"marks":301},"Las herramientas digitales que lo hacen “todo” pudieran estar sobrevaloradas. Por mucho que desees una herramienta potente que se integre con el resto del software de la empresa, suelen presentarse retos inesperados. Los sistemas ERP grandes son difíciles de integrar y tendrás que contratar a personal a tiempo completo para mantenerlos funcionando correctamente.",[302],{"type":102,"attrs":303},{"color":104},{"type":141,"content":305},[306],{"type":45,"attrs":307,"content":309},{"textAlign":47,"key":308},"p-15",[310],{"text":311,"type":52,"marks":312},"Si algo funciona, no lo cambies. Como mencionamos antes, la inmensa cantidad de datos de una empresa implica que cambiar de herramientas digitales se convierta en una tarea titánica. Y en muchos casos, seguir con lo que tienes será más eficaz y sencillo. Pero asegúrate de que lo que uses realmente funcione y no sea simplemente “lo mejor que podemos hacer por ahora”. ",[313],{"type":102,"attrs":314},{"color":104},{"type":141,"content":316},[317],{"type":45,"attrs":318,"content":320},{"textAlign":47,"key":319},"p-16",[321],{"text":322,"type":52,"marks":323},"Todavía puedes tener Excel (u otros como Numbers o Google Sheets) y usarlos como una bóveda de datos financieros. Y si eres adicto a Excel, no hay razón para abandonarlo. Pero hay formas de eliminar gran parte del trabajo manual de entrada de datos con herramientas que se integran a Excel.",[324],{"type":102,"attrs":325},{"color":104},{"type":45,"attrs":327,"content":329},{"textAlign":47,"key":328},"p-17",[330],{"text":331,"type":52,"marks":332},"Con estos consejos en mente, veamos las 8 herramientas digitales que recomiendan grandes directores financieros.",[333],{"type":102,"attrs":334},{"color":104},{"type":235,"attrs":336,"content":337},{"level":237,"textAlign":47},[338],{"text":339,"type":52,"marks":340},"Las 5 herramientas digitales financieras que debes conocer",[341],{"type":102,"attrs":342},{"color":104},{"type":235,"attrs":344,"content":346},{"level":345,"textAlign":47},3,[347],{"text":348,"type":52,"marks":349},"1. Wise",[350],{"type":102,"attrs":351},{"color":352},"rgb(67, 67, 67)",{"type":226,"attrs":354},{"id":228,"body":355},[356],{"_uid":357,"type":24,"asset":358,"shadow":30,"caption":24,"overlay":362,"component":363},"i-d09717e9-1e97-42bf-88be-94a46afc1a20",{"id":359,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":360,"copyright":24,"fieldtype":29,"meta_data":361,"is_external_url":30},12063231,"https://a.storyblok.com/f/146026/1291x462/f0bbbaf75b/wise-platform.webp",{},[],"image",{"type":45,"attrs":365,"content":366},{"textAlign":47,"key":48},[367,379],{"text":368,"type":52,"marks":369},"Wise",[370,374,377],{"type":109,"attrs":371},{"href":372,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://wise.com/","_blank",{"type":102,"attrs":375},{"color":376},"rgb(17, 85, 204)",{"type":378},"underline",{"text":380,"type":52,"marks":381}," (anteriormente Transferwise) logra que las transferencias internacionales sean económicas, fáciles y fluidas para directores financieros y demás profesionales de finanzas. Permite enviar o solicitar dinero en el extranjero y crear una cuenta multidivisa sin ningún problema. Wise ofrece servicios hasta 19 veces más baratos que su competidor PayPal.",[382],{"type":102,"attrs":383},{"color":104},{"type":45,"attrs":385,"content":386},{"textAlign":47,"key":130},[387,392,401],{"text":388,"type":52,"marks":389},"Recomendada por: Rebecca Coxshall, exdirectora de Recursos Humanos y Finanzas en ",[390],{"type":102,"attrs":391},{"color":104},{"text":393,"type":52,"marks":394},"MOJU",[395,398,400],{"type":109,"attrs":396},{"href":397,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://mojudrinks.com/",{"type":102,"attrs":399},{"color":376},{"type":378},{"text":402,"type":52,"marks":403},".",[404],{"type":102,"attrs":405},{"color":104},{"type":45,"attrs":407,"content":408},{"textAlign":47,"key":145},[409],{"text":410,"type":52,"marks":411},"“Tan solo tienes que pulsar un botón y se envía a todos tus proveedores. No tendrás que volver a introducir esos datos bancarios nunca más. No quiero que mis ejecutivos financieros pierdan tiempo haciendo números; todo debería estar automatizado”.",[412],{"type":102,"attrs":413},{"color":104},{"type":45,"attrs":415,"content":416},{"textAlign":47,"key":156},[417,426],{"text":418,"type":52,"marks":419},"G2 Rating",[420,423,425],{"type":109,"attrs":421},{"href":422,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://www.g2.com/products/transferwise/reviews",{"type":102,"attrs":424},{"color":376},{"type":378},{"text":427,"type":52,"marks":428},": 4.0 estrellas.",[429],{"type":102,"attrs":430},{"color":104},{"type":45,"attrs":432,"content":433},{"textAlign":47,"key":167},[434],{"text":435,"type":52,"marks":436},"Precios: Wise aplica diferentes tarifas para cada transferencia, junto con una tasa de conversión en tiempo real.",[437],{"type":102,"attrs":438},{"color":104},{"type":235,"attrs":440,"content":441},{"level":345,"textAlign":47},[442],{"text":443,"type":52,"marks":444},"2. Personio",[445],{"type":102,"attrs":446},{"color":352},{"type":226,"attrs":448},{"id":228,"body":449},[450],{"_uid":451,"type":24,"asset":452,"shadow":30,"caption":24,"overlay":456,"component":363},"i-7a03a51a-db05-4c29-8284-75812640f8c9",{"id":453,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":454,"copyright":24,"fieldtype":29,"meta_data":455,"is_external_url":30},12063237,"https://a.storyblok.com/f/146026/1582x898/4a2e324cab/personio-platform.png",{},[],{"type":45,"attrs":458,"content":459},{"textAlign":47,"key":178},[460,469],{"text":461,"type":52,"marks":462},"Personio",[463,466,468],{"type":109,"attrs":464},{"href":465,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://www.personio.com/",{"type":102,"attrs":467},{"color":376},{"type":378},{"text":470,"type":52,"marks":471}," es el software líder en Europa en recursos humanos. Es un software de contratación y gestión del personal y funciona en la nube. Sirve para empresas de todos los tamaños. Ayuda a los directores financieros a automatizar y optimizar los procesos de personal, desde la administración de personal hasta las nóminas y el reclutamiento. Se puede acceder a todas estas funciones desde una sola cuenta, lo que permite una colaboración perfecta entre finanzas y otros equipos.",[472],{"type":102,"attrs":473},{"color":104},{"type":45,"attrs":475,"content":476},{"textAlign":47,"key":189},[477,482,487,492,501],{"text":478,"type":52,"marks":479},"Recomendada por: ",[480],{"type":102,"attrs":481},{"color":104},{"text":483,"type":52,"marks":484},"Sebastian Bourmer",[485],{"type":102,"attrs":486},{"color":376},{"text":488,"type":52,"marks":489},", CFO en ",[490],{"type":102,"attrs":491},{"color":104},{"text":493,"type":52,"marks":494},"Statista",[495,498,500],{"type":109,"attrs":496},{"href":497,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://www.statista.com/",{"type":102,"attrs":499},{"color":376},{"type":378},{"text":402,"type":52,"marks":502},[503],{"type":102,"attrs":504},{"color":104},{"type":45,"attrs":506,"content":507},{"textAlign":47,"key":200},[508],{"text":509,"type":52,"marks":510},"“Utilizamos Personio para todas las actividades relacionadas con Recursos Humanos. 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Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":45,"attrs":2634,"content":2635},{"textAlign":47,"key":130},[2636,2640,2643],{"text":2637,"type":52,"marks":2638},"Para los empleados",[2639],{"type":1710},{"type":2487,"marks":2641},[2642],{"type":1710},{"text":2644,"type":52},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":45,"attrs":2646,"content":2647},{"textAlign":47,"key":145},[2648],{"text":2649,"type":52},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":45,"attrs":2651,"content":2652},{"textAlign":47,"key":156},[2653,2657,2658],{"text":2654,"type":52,"marks":2655},"Para los equipos financieros",[2656],{"type":1710},{"type":2487},{"text":2659,"type":52},"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":45,"attrs":2661,"content":2662},{"textAlign":47,"key":167},[2663],{"text":2664,"type":52},"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":45,"attrs":2666,"content":2667},{"textAlign":47,"key":178},[2668],{"text":2669,"type":52},"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":45,"attrs":2671,"content":2672},{"textAlign":47,"key":189},[2673],{"text":2674,"type":52},"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":45,"attrs":2676,"content":2677},{"textAlign":47,"key":200},[2678],{"text":2679,"type":52},"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.",[2681],{"cta":2682,"_uid":2683,"title":2684,"eyebrow":2691,"subtitle":2694,"component":235,"textAlign":24,"sectionSettings":2700,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":42,"content":2685},[2686],{"type":235,"attrs":2687,"content":2688},{"level":237},[2689],{"text":2690,"type":52},"Empezar con Spendesk",{"type":42,"content":2692},[2693],{"type":45},{"type":42,"content":2695},[2696],{"type":45,"content":2697},[2698],{"text":2699,"type":52},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],"faqSection",[],"Otros artículos","Enlaces rápidos",[2706,2846,2976,3105,3249,3402,3539,3715,3853,3987,4101,4186,4263,4383,4439],{"name":2707,"created_at":2708,"published_at":2709,"updated_at":2710,"id":2711,"uuid":2712,"content":2713,"slug":2834,"full_slug":2835,"sort_by_date":47,"position":2836,"tag_list":2837,"is_startpage":30,"parent_id":1061,"meta_data":47,"group_id":2838,"first_published_at":2839,"release_id":47,"lang":60,"path":47,"alternates":2840,"default_full_slug":2841,"translated_slugs":2842},"Homologación y portales de proveedores: evaluar, dar de alta y gobernar","2026-08-26T15:56:43.000Z","2026-08-27T11:22:49.938Z","2026-08-27T11:22:49.965Z",213279551544644,"df2fe6b5-9582-43a1-9457-a1491afec76a",{"_uid":2714,"title":2707,"topics":2715,"noIndex":30,"category":2724,"language":2733,"component":1025,"heroMedia":2734,"metaTitle":2735,"publishedAt":2736,"readingTime":2737,"redirectUrl":24,"listingImage":2738,"metaDescription":2745,"bottomArticleCta":2746,"componentsAfterTheArticle":2747},"a6908dcc-aa94-4298-8df2-3a036e19fee3",[2716],{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":2717,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":2718,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":2719,"default_full_slug":88,"translated_slugs":2720,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[2721,2722,2723],{"path":88,"name":47,"lang":65,"published":47},{"path":88,"name":47,"lang":67,"published":47},{"path":88,"name":47,"lang":60,"published":47},{"name":1013,"created_at":1014,"published_at":6,"updated_at":1015,"id":1016,"uuid":1017,"content":2725,"slug":1025,"full_slug":1026,"sort_by_date":47,"position":1027,"tag_list":2727,"is_startpage":30,"parent_id":1029,"meta_data":47,"group_id":1030,"first_published_at":1031,"release_id":47,"lang":60,"path":47,"alternates":2728,"default_full_slug":1033,"translated_slugs":2729,"_stopResolving":69},{"_uid":1019,"icon":2726,"name":1013,"component":1024},{"id":1021,"alt":1022,"name":24,"focus":24,"title":24,"filename":1023,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[2730,2731,2732],{"path":1033,"name":47,"lang":65,"published":47},{"path":1033,"name":47,"lang":67,"published":47},{"path":1033,"name":47,"lang":60,"published":47},[60],[],"Homologación y portales de proveedores: guía práctica","2026-08-18 00:00","18",[2739],{"_uid":2740,"asset":2741,"caption":24,"component":363},"4696bec5-e373-4bf7-a572-57bee0d1290f",{"id":2742,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2743,"copyright":24,"fieldtype":29,"meta_data":2744,"is_external_url":30},213566053326877,"https://a.storyblok.com/f/146026/1536x1024/e3536a22fa/homologacion-portales-de-proveedores.png",{},"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.",[],[2748],{"_uid":2749,"items":2750,"heading":2811,"component":2701},"03761e7c-8a3d-4a4b-9eea-d012fc737faf",[2751,2761,2771,2781,2791,2801],{"_uid":2752,"title":2753,"component":2571,"description":2754},"bf064850-af57-4614-b489-93360c87829d","¿Qué diferencia hay entre homologación y precalificación de proveedores?",{"type":42,"content":2755},[2756],{"type":45,"attrs":2757,"content":2758},{"textAlign":47},[2759],{"text":2760,"type":52},"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":2762,"title":2763,"component":2571,"description":2764},"cf378fd2-4480-4154-a37a-265621902672","¿Con qué frecuencia hay que reevaluar a un proveedor?",{"type":42,"content":2765},[2766],{"type":45,"attrs":2767,"content":2768},{"textAlign":47},[2769],{"text":2770,"type":52},"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":2772,"title":2773,"component":2571,"description":2774},"7f1e9200-5183-44a0-98bb-a1fd89492a3d","¿Qué KPI sirven para medir a un proveedor?",{"type":42,"content":2775},[2776],{"type":45,"attrs":2777,"content":2778},{"textAlign":47},[2779],{"text":2780,"type":52},"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":2782,"title":2783,"component":2571,"description":2784},"b8321628-96f7-4f3e-a01e-d93dec724c28","¿Cuánto puede tardar dar de alta a un proveedor y cómo acortarlo?",{"type":42,"content":2785},[2786],{"type":45,"attrs":2787,"content":2788},{"textAlign":47},[2789],{"text":2790,"type":52},"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":2792,"title":2793,"component":2571,"description":2794},"bbd9f873-37d2-47f3-98f8-1d611be753d4","¿Cómo puede Spendesk ayudar a mejorar el control de costes?",{"type":42,"content":2795},[2796],{"type":45,"attrs":2797,"content":2798},{"textAlign":47},[2799],{"text":2800,"type":52},"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":2802,"title":2803,"component":2571,"description":2804},"8427c66e-c068-4401-85ab-a91acccec289","¿Puede Spendesk conectarse con mi software contable?",{"type":42,"content":2805},[2806],{"type":45,"attrs":2807,"content":2808},{"textAlign":47},[2809],{"text":2810,"type":52},"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.",[2812],{"cta":2813,"_uid":2814,"title":2815,"eyebrow":2822,"subtitle":2827,"component":235,"textAlign":24,"flexibleSection":2832,"sectionSettings":2833,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"6530a95a-6300-4bed-b52d-1a6ee61c001e",{"type":42,"content":2816},[2817],{"type":235,"attrs":2818,"content":2819},{"level":237,"textAlign":47},[2820],{"text":2821,"type":52},"Preguntas frecuentes",{"type":42,"content":2823},[2824],{"type":45,"attrs":2825,"content":2826},{"textAlign":47},[],{"type":42,"content":2828},[2829],{"type":45,"attrs":2830,"content":2831},{"textAlign":47},[],[],[],"homologacion-portales-de-proveedores","es/blog/homologacion-portales-de-proveedores",-2880,[],"890ad3bf-eaa7-4c17-afda-5b636834e6b1","2026-08-26T16:07:14.527Z",[],"blog/homologacion-portales-de-proveedores",[2843,2844,2845],{"path":2841,"name":47,"lang":65,"published":47},{"path":2841,"name":47,"lang":67,"published":47},{"path":2841,"name":47,"lang":60,"published":47},{"name":2847,"created_at":2848,"published_at":2849,"updated_at":2850,"id":2851,"uuid":2852,"content":2853,"slug":2964,"full_slug":2965,"sort_by_date":47,"position":2966,"tag_list":2967,"is_startpage":30,"parent_id":1061,"meta_data":47,"group_id":2968,"first_published_at":2969,"release_id":47,"lang":60,"path":47,"alternates":2970,"default_full_slug":2971,"translated_slugs":2972},"Ficha de proveedores: plantilla, campos y modelo para empresas","2026-08-26T15:56:39.699Z","2026-08-27T11:06:56.335Z","2026-08-27T11:06:56.371Z",213279538023721,"c22f6ca7-22d6-4fbf-9349-1ef9038abd0a",{"_uid":2854,"title":2847,"topics":2855,"noIndex":30,"category":2864,"language":2873,"component":1025,"heroMedia":2874,"metaTitle":2875,"publishedAt":2876,"readingTime":2877,"redirectUrl":24,"listingImage":2878,"metaDescription":2886,"bottomArticleCta":2887,"componentsAfterTheArticle":2888},"1f70dcb5-f688-4089-84c5-ef56b52ee337",[2856],{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":2857,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":2858,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":2859,"default_full_slug":88,"translated_slugs":2860,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[2861,2862,2863],{"path":88,"name":47,"lang":65,"published":47},{"path":88,"name":47,"lang":67,"published":47},{"path":88,"name":47,"lang":60,"published":47},{"name":1013,"created_at":1014,"published_at":6,"updated_at":1015,"id":1016,"uuid":1017,"content":2865,"slug":1025,"full_slug":1026,"sort_by_date":47,"position":1027,"tag_list":2867,"is_startpage":30,"parent_id":1029,"meta_data":47,"group_id":1030,"first_published_at":1031,"release_id":47,"lang":60,"path":47,"alternates":2868,"default_full_slug":1033,"translated_slugs":2869,"_stopResolving":69},{"_uid":1019,"icon":2866,"name":1013,"component":1024},{"id":1021,"alt":1022,"name":24,"focus":24,"title":24,"filename":1023,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[2870,2871,2872],{"path":1033,"name":47,"lang":65,"published":47},{"path":1033,"name":47,"lang":67,"published":47},{"path":1033,"name":47,"lang":60,"published":47},[60],[],"Ficha de proveedores: plantilla, campos y modelo","2026-08-05 00:00","17",[2879],{"_uid":2880,"asset":2881,"caption":24,"component":363},"e7f5e052-d844-48ce-a9c6-b8b01a495d1d",{"id":2882,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2883,"copyright":24,"fieldtype":29,"meta_data":2884,"is_external_url":30},213562154249979,"https://a.storyblok.com/f/146026/1536x1024/532e49ba6c/ficha-de-proveedores.png",{"size":2885},"1536x1024","Ficha de proveedores: descubre qué campos incluir y consulta una plantilla de Excel con un modelo y un ejemplo para organizar y mantener datos fiables.",[],[2889],{"_uid":2890,"items":2891,"heading":2942,"component":2701},"70c14829-e41d-41a2-ae21-5afdcad57cc0",[2892,2902,2912,2922,2932],{"_uid":2893,"title":2894,"component":2571,"description":2895},"aa66f489-8604-4db1-bea7-de8ecad6546d","¿Cuáles son los campos mínimos de una ficha de proveedor?",{"type":42,"content":2896},[2897],{"type":45,"attrs":2898,"content":2899},{"textAlign":47},[2900],{"text":2901,"type":52},"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":2903,"title":2904,"component":2571,"description":2905},"fd9cad58-a254-4599-ab13-71cd1b53a876","¿Cuál es la diferencia entre denominación legal y nombre comercial?",{"type":42,"content":2906},[2907],{"type":45,"attrs":2908,"content":2909},{"textAlign":47},[2910],{"text":2911,"type":52},"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":2913,"title":2914,"component":2571,"description":2915},"b89ecdfe-e537-40cc-84b4-8e8e5867c26b","¿Cuánto tiempo hay que conservar los datos de un proveedor?",{"type":42,"content":2916},[2917],{"type":45,"attrs":2918,"content":2919},{"textAlign":47},[2920],{"text":2921,"type":52},"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":2923,"title":2924,"component":2571,"description":2925},"4363da7c-dff9-48e2-bd52-1f984495b285","¿Qué datos bancarios necesito para pagar a un proveedor?",{"type":42,"content":2926},[2927],{"type":45,"attrs":2928,"content":2929},{"textAlign":47},[2930],{"text":2931,"type":52},"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. 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La versión 2 aplica",{"text":3351,"type":52,"marks":3352}," límites por ventana deslizante",[3353],{"type":109,"attrs":3354},{"href":3355,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://www.holded.com/es/desarrolladores/limite-de-tasa",{"text":3357,"type":52},". Si superas el ritmo permitido, recibirás un error 429, por lo que conviene realizar reintentos con esperas progresivas.",{"_uid":3359,"title":3360,"component":2571,"description":3361},"34dce294-df95-463c-a470-70f76f841ba3","¿Qué ocurre si falla la exportación al ERP?",{"type":42,"content":3362},[3363],{"type":45,"attrs":3364,"content":3365},{"textAlign":47},[3366],{"text":3367,"type":52},"Una buena integración te avisa en el momento, en lugar de fallar silenciosamente. Así puedes corregir el asiento antes del cierre y antes de que afecte a plazos como los cuatro días del 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residente?",{"type":42,"content":3459},[3460],{"type":45,"attrs":3461,"content":3462},{"textAlign":47},[3463],{"text":3464,"type":52},"Reúne el contrato o pedido, la factura del proveedor, el certificado de residencia fiscal, la documentación del CDI aplicable, el cálculo de la retención y el justificante del ingreso. Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":3466,"title":3467,"component":2571,"description":3468},"2d2f199c-768f-4311-ad9c-01d5d4b9a7a9","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":42,"content":3469},[3470],{"type":45,"attrs":3471,"content":3472},{"textAlign":47},[3473],{"text":3474,"type":52},"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":3476,"title":3477,"component":2571,"description":3478},"63d190c0-3c99-46fe-ad81-bf5387a86407","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":42,"content":3479},[3480],{"type":45,"attrs":3481,"content":3482},{"textAlign":47},[3483],{"text":3484,"type":52},"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":3486,"title":3487,"component":2571,"description":3488},"071f8fe8-6df9-47c2-b583-ef1168c36e2e","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":42,"content":3489},[3490],{"type":45,"attrs":3491,"content":3492},{"textAlign":47},[3493],{"text":3494,"type":52},"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":3496,"title":3497,"component":2571,"description":3498},"4de825b9-4c40-40ea-a669-61d8b133daab","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":42,"content":3499},[3500],{"type":45,"attrs":3501,"content":3502},{"textAlign":47},[3503],{"text":3504,"type":52},"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.",[3506],{"cta":3507,"_uid":3508,"title":3509,"eyebrow":3515,"subtitle":3520,"component":235,"textAlign":24,"flexibleSection":3525,"sectionSettings":3526,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"56d8941f-4368-4ebf-b3fa-30abb22e5a34",{"type":42,"content":3510},[3511],{"type":235,"attrs":3512,"content":3513},{"level":237,"textAlign":47},[3514],{"text":2821,"type":52},{"type":42,"content":3516},[3517],{"type":45,"attrs":3518,"content":3519},{"textAlign":47},[],{"type":42,"content":3521},[3522],{"type":45,"attrs":3523,"content":3524},{"textAlign":47},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2400,[],"a3f091f5-323c-4173-a95e-1977530b00e3","2026-08-10T14:39:56.884Z",[],"blog/modelo-210-no-residentes",[3536,3537,3538],{"path":3534,"name":47,"lang":65,"published":47},{"path":3534,"name":47,"lang":67,"published":47},{"path":3534,"name":47,"lang":60,"published":47},{"name":3540,"created_at":3541,"published_at":3542,"updated_at":3543,"id":3544,"uuid":3545,"content":3546,"slug":3703,"full_slug":3704,"sort_by_date":47,"position":3705,"tag_list":3706,"is_startpage":30,"parent_id":1061,"meta_data":47,"group_id":3707,"first_published_at":3708,"release_id":47,"lang":60,"path":47,"alternates":3709,"default_full_slug":3710,"translated_slugs":3711},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-27T10:48:13.300Z","2026-08-27T10:48:13.315Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":3547,"title":3540,"topics":3548,"noIndex":30,"category":3565,"language":3574,"component":1025,"heroMedia":3575,"metaTitle":3576,"publishedAt":3295,"readingTime":3296,"redirectUrl":24,"listingImage":3577,"metaDescription":3584,"bottomArticleCta":3585,"componentsAfterTheArticle":3586},"0d225812-4d55-44c2-b89f-006658f0f075",[3549,3557],{"name":1154,"created_at":3116,"published_at":6,"updated_at":3117,"id":3118,"uuid":3119,"content":3550,"slug":3121,"full_slug":3122,"sort_by_date":47,"position":82,"tag_list":3551,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":3124,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3552,"default_full_slug":3126,"translated_slugs":3553,"_stopResolving":69},{"_uid":78,"name":1154,"component":79},[],[],[3554,3555,3556],{"path":3126,"name":47,"lang":65,"published":47},{"path":3126,"name":47,"lang":67,"published":47},{"path":3126,"name":47,"lang":60,"published":47},{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":3558,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":3559,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3560,"default_full_slug":88,"translated_slugs":3561,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[3562,3563,3564],{"path":88,"name":47,"lang":65,"published":47},{"path":88,"name":47,"lang":67,"published":47},{"path":88,"name":47,"lang":60,"published":47},{"name":1013,"created_at":1014,"published_at":6,"updated_at":1015,"id":1016,"uuid":1017,"content":3566,"slug":1025,"full_slug":1026,"sort_by_date":47,"position":1027,"tag_list":3568,"is_startpage":30,"parent_id":1029,"meta_data":47,"group_id":1030,"first_published_at":1031,"release_id":47,"lang":60,"path":47,"alternates":3569,"default_full_slug":1033,"translated_slugs":3570,"_stopResolving":69},{"_uid":1019,"icon":3567,"name":1013,"component":1024},{"id":1021,"alt":1022,"name":24,"focus":24,"title":24,"filename":1023,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3571,3572,3573],{"path":1033,"name":47,"lang":65,"published":47},{"path":1033,"name":47,"lang":67,"published":47},{"path":1033,"name":47,"lang":60,"published":47},[60],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f",[3578],{"_uid":3579,"asset":3580,"caption":24,"component":363},"8d7934aa-bd72-45e4-bf37-d78357884d0b",{"id":3581,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3582,"copyright":24,"fieldtype":29,"meta_data":3583,"is_external_url":30},213557579976256,"https://a.storyblok.com/f/146026/1536x1024/07d9ae630e/modelo-111-irpf-retenciones.png",{"size":2885},"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.",[],[3587],{"_uid":3588,"items":3589,"heading":3681,"component":2701},"3a0a0e64-8720-4af2-91c3-673414935f4a",[3590,3623,3641,3651,3661,3671],{"_uid":3591,"title":3592,"component":2571,"description":3593},"36103d57-5f5a-4af1-b116-c29162526b19","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":42,"content":3594},[3595],{"type":45,"attrs":3596,"content":3597},{"textAlign":47},[3598,3600,3606,3608,3614,3616,3622],{"text":3599,"type":52},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":3601,"type":52,"marks":3602}," Modelo 190 es su resumen anual informativo",[3603],{"type":109,"attrs":3604},{"href":3605,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":3607,"type":52},". Las retenciones de alquileres se declaran mediante el",{"text":3609,"type":52,"marks":3610}," Modelo 115",[3611],{"type":109,"attrs":3612},{"href":3613,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":3615,"type":52}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":3617,"type":52,"marks":3618}," Modelo 130",[3619],{"type":109,"attrs":3620},{"href":3621,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":402,"type":52},{"_uid":3624,"title":3625,"component":2571,"description":3626},"9abeccc9-21dd-4c0a-825b-d1de2694bb12","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":42,"content":3627},[3628],{"type":45,"attrs":3629,"content":3630},{"textAlign":47},[3631,3633,3639],{"text":3632,"type":52},"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":3634,"type":52,"marks":3635}," Modelo 111, en casillas separadas",[3636],{"type":109,"attrs":3637},{"href":3638,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":3640,"type":52},". 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":3642,"title":3643,"component":2571,"description":3644},"4c266973-9d31-48f8-8102-ab45080ccaca","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":42,"content":3645},[3646],{"type":45,"attrs":3647,"content":3648},{"textAlign":47},[3649],{"text":3650,"type":52},"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":3652,"title":3653,"component":2571,"description":3654},"0d57caab-2cb2-4026-89b4-edfbb27fa3c7","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":42,"content":3655},[3656],{"type":45,"attrs":3657,"content":3658},{"textAlign":47},[3659],{"text":3660,"type":52},"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":3662,"title":3663,"component":2571,"description":3664},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":42,"content":3665},[3666],{"type":45,"attrs":3667,"content":3668},{"textAlign":47},[3669],{"text":3670,"type":52},"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":3672,"title":3673,"component":2571,"description":3674},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":42,"content":3675},[3676],{"type":45,"attrs":3677,"content":3678},{"textAlign":47},[3679],{"text":3680,"type":52},"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.",[3682],{"cta":3683,"_uid":3684,"title":3685,"eyebrow":3691,"subtitle":3696,"component":235,"textAlign":24,"flexibleSection":3701,"sectionSettings":3702,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":42,"content":3686},[3687],{"type":235,"attrs":3688,"content":3689},{"level":237,"textAlign":47},[3690],{"text":2821,"type":52},{"type":42,"content":3692},[3693],{"type":45,"attrs":3694,"content":3695},{"textAlign":47},[],{"type":42,"content":3697},[3698],{"type":45,"attrs":3699,"content":3700},{"textAlign":47},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2390,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7","2026-08-10T14:39:54.001Z",[],"blog/modelo-111-irpf-retenciones",[3712,3713,3714],{"path":3710,"name":47,"lang":65,"published":47},{"path":3710,"name":47,"lang":67,"published":47},{"path":3710,"name":47,"lang":60,"published":47},{"name":3716,"created_at":3717,"published_at":3718,"updated_at":3719,"id":3720,"uuid":3721,"content":3722,"slug":3841,"full_slug":3842,"sort_by_date":47,"position":3843,"tag_list":3844,"is_startpage":30,"parent_id":1061,"meta_data":47,"group_id":3845,"first_published_at":3846,"release_id":47,"lang":60,"path":47,"alternates":3847,"default_full_slug":3848,"translated_slugs":3849},"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":3723,"title":3716,"topics":3724,"noIndex":30,"category":3741,"language":3750,"component":1025,"heroMedia":3751,"metaTitle":3752,"publishedAt":3753,"readingTime":3754,"redirectUrl":24,"listingImage":3755,"metaDescription":3762,"bottomArticleCta":3763,"componentsAfterTheArticle":3764},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3725,3733],{"name":1154,"created_at":3116,"published_at":6,"updated_at":3117,"id":3118,"uuid":3119,"content":3726,"slug":3121,"full_slug":3122,"sort_by_date":47,"position":82,"tag_list":3727,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":3124,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3728,"default_full_slug":3126,"translated_slugs":3729,"_stopResolving":69},{"_uid":78,"name":1154,"component":79},[],[],[3730,3731,3732],{"path":3126,"name":47,"lang":65,"published":47},{"path":3126,"name":47,"lang":67,"published":47},{"path":3126,"name":47,"lang":60,"published":47},{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":3734,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":3735,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3736,"default_full_slug":88,"translated_slugs":3737,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[3738,3739,3740],{"path":88,"name":47,"lang":65,"published":47},{"path":88,"name":47,"lang":67,"published":47},{"path":88,"name":47,"lang":60,"published":47},{"name":1013,"created_at":1014,"published_at":6,"updated_at":1015,"id":1016,"uuid":1017,"content":3742,"slug":1025,"full_slug":1026,"sort_by_date":47,"position":1027,"tag_list":3744,"is_startpage":30,"parent_id":1029,"meta_data":47,"group_id":1030,"first_published_at":1031,"release_id":47,"lang":60,"path":47,"alternates":3745,"default_full_slug":1033,"translated_slugs":3746,"_stopResolving":69},{"_uid":1019,"icon":3743,"name":1013,"component":1024},{"id":1021,"alt":1022,"name":24,"focus":24,"title":24,"filename":1023,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3747,3748,3749],{"path":1033,"name":47,"lang":65,"published":47},{"path":1033,"name":47,"lang":67,"published":47},{"path":1033,"name":47,"lang":60,"published":47},[60],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00","13",[3756],{"_uid":3757,"asset":3758,"caption":24,"component":363},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3759,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3760,"copyright":24,"fieldtype":29,"meta_data":3761,"is_external_url":30},198050494748961,"https://a.storyblok.com/f/146026/1538x858/a3a2285d8a/spendesk_blog_cover_periodo_pago_v2.jpg",{},"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[],[3765],{"_uid":3766,"items":3767,"heading":1366,"component":2701},"d437e15a-ca83-40ff-962f-928bbc083496",[3768,3786,3796,3806,3816],{"_uid":3769,"title":3770,"component":2571,"description":3771},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":42,"content":3772},[3773],{"type":45,"attrs":3774,"content":3775},{"textAlign":47},[3776,3778,3784],{"text":3777,"type":52},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3779,"type":52,"marks":3780},"Ley 15/2010",[3781],{"type":109,"attrs":3782},{"href":3783,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3785,"type":52},". 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":3787,"title":3788,"component":2571,"description":3789},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":42,"content":3790},[3791],{"type":45,"attrs":3792,"content":3793},{"textAlign":47},[3794],{"text":3795,"type":52},"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":3797,"title":3798,"component":2571,"description":3799},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":42,"content":3800},[3801],{"type":45,"attrs":3802,"content":3803},{"textAlign":47},[3804],{"text":3805,"type":52},"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":3807,"title":3808,"component":2571,"description":3809},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":42,"content":3810},[3811],{"type":45,"attrs":3812,"content":3813},{"textAlign":47},[3814],{"text":3815,"type":52},"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":3817,"title":3818,"component":2571,"description":3819},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":42,"content":3820},[3821],{"type":45,"attrs":3822,"content":3823},{"textAlign":47},[3824,3826,3832,3834,3840],{"text":3825,"type":52},"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":3827,"type":52,"marks":3828},"conciliación",[3829],{"type":109,"attrs":3830},{"href":3831,"uuid":47,"anchor":47,"target":373,"linktype":33},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":3833,"type":52},"), 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":3835,"type":52,"marks":3836},"visita 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[3893],{"_uid":3894,"asset":3895,"caption":24,"component":363},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":3896,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3897,"copyright":24,"fieldtype":29,"meta_data":3898,"is_external_url":30},198047324595677,"https://a.storyblok.com/f/146026/2752x1536/11fd6b63a0/spendesk_blog_cover_anticipo_proveedores.jpg",{},"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[3902],{"_uid":3903,"items":3904,"heading":1366,"component":2701},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3905,3915,3925,3935,3945,3955,3965],{"_uid":3906,"title":3907,"component":2571,"description":3908},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":42,"content":3909},[3910],{"type":45,"attrs":3911,"content":3912},{"textAlign":47},[3913],{"text":3914,"type":52},"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":3916,"title":3917,"component":2571,"description":3918},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":42,"content":3919},[3920],{"type":45,"attrs":3921,"content":3922},{"textAlign":47},[3923],{"text":3924,"type":52},"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":3926,"title":3927,"component":2571,"description":3928},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":42,"content":3929},[3930],{"type":45,"attrs":3931,"content":3932},{"textAlign":47},[3933],{"text":3934,"type":52},"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":3936,"title":3937,"component":2571,"description":3938},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":42,"content":3939},[3940],{"type":45,"attrs":3941,"content":3942},{"textAlign":47},[3943],{"text":3944,"type":52},"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":3946,"title":3947,"component":2571,"description":3948},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":42,"content":3949},[3950],{"type":45,"attrs":3951,"content":3952},{"textAlign":47},[3953],{"text":3954,"type":52},"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":3956,"title":3957,"component":2571,"description":3958},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":42,"content":3959},[3960],{"type":45,"attrs":3961,"content":3962},{"textAlign":47},[3963],{"text":3964,"type":52},"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":3966,"title":3967,"component":2571,"description":3968},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":42,"content":3969},[3970],{"type":45,"attrs":3971,"content":3972},{"textAlign":47},[3973],{"text":3974,"type":52},"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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