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No eres el único. La obligación de informar sobre este indicador existe desde la Ley 15/2010 y se ha endurecido con la Ley Crea y Crece, pero la metodología de cálculo sigue generando dudas en equipos financieros de todo tipo de empresas. En esta guía encontrarás la fórmula oficial, un ejemplo práctico, el marco legal vigente y las estrategias que puedes aplicar para mantener tu PMP bajo control.",{"type":201,"attrs":202},"blok",{"id":203,"body":204},"876a8701-0176-4145-90c7-47d1b5b4b1ae",[205],{"_uid":206,"text":207,"color":208,"title":209,"component":210},"i-7c9baf17-0900-4cf9-b38b-31cbfdf915e9","- El **cálculo del periodo medio de pago a proveedores** indica cuántos días tarda una empresa en pagar sus facturas.\n- Para calcularlo, aplica la fórmula oficial del ICAC: **PMP = (saldo medio de acreedores comerciales / compras y gastos a crédito con IVA) × 365**.\n- El denominador debe incluir el **IVA**, y los datos pueden extraerse de las cuentas contables de proveedores, compras y servicios.\n- El PMP debe aparecer en la memoria de las cuentas anuales junto con los ratios de operaciones pagadas y pendientes.\n- Mantener el PMP por debajo de **60 días** ayuda a cumplir la normativa y puede facilitar el acceso a subvenciones y contratos públicos.","purple","Puntos Clave","callout",{"type":119,"attrs":212},{"textAlign":25,"key":213},"p-1",{"type":215,"attrs":216,"content":218},"heading",{"level":217,"textAlign":25},2,[219],{"text":220,"type":125},"Qué es el periodo medio de pago a proveedores y por qué importa",{"type":119,"attrs":222,"content":224},{"textAlign":25,"key":223},"p-2",[225,227,235],{"text":226,"type":125},"El periodo medio de pago a proveedores (PMP) mide el número medio de días que tu empresa tarda en pagar las ",{"text":228,"type":125,"marks":229},"facturas de sus acreedores comerciales",[230],{"type":231,"attrs":232},"link",{"href":233,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.spendesk.com/es/blog/facturas-proveedores/","_blank",{"text":236,"type":125},". Es un indicador de liquidez, de solvencia operativa y, desde 2010, de cumplimiento normativo.",{"type":119,"attrs":238,"content":240},{"textAlign":25,"key":239},"p-3",[241],{"text":242,"type":125},"Un Director Financiero de una empresa industrial de 120 empleados descubrió que su PMP real superaba los 75 días, mientras que la memoria reflejaba 58 días. El desajuste no solo suponía un riesgo de sanción: tres proveedores clave habían dejado de ofrecer descuentos por pronto pago, y uno había endurecido las condiciones de suministro. Perder un 2 % de descuento por pronto pago sobre un volumen de compras de 1.500.000 € anuales equivale a 30.000 € de coste adicional.",{"type":119,"attrs":244,"content":246},{"textAlign":25,"key":245},"p-4",[247],{"text":248,"type":125},"Más allá de los números, el PMP afecta a la confianza de tu cadena de suministro. Y desde la entrada en vigor de la Ley Crea y Crece (Ley 18/2022), superar el límite de 60 días puede impedirte acceder a subvenciones públicas y contratos con la Administración.",{"type":215,"attrs":250,"content":251},{"level":217,"textAlign":25},[252],{"text":253,"type":125},"La fórmula del periodo medio de pago a proveedores según el ICAC",{"type":119,"attrs":255,"content":257},{"textAlign":25,"key":256},"p-5",[258,260,266,268,274],{"text":259,"type":125},"El Instituto de Contabilidad y Auditoría de Cuentas (ICAC) estableció la metodología oficial en su ",{"text":261,"type":125,"marks":262},"Resolución de 29 de enero de 2016",[263],{"type":231,"attrs":264},{"href":265,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.boe.es/buscar/doc.php?id=BOE-A-2016-1112",{"text":267,"type":125},". Esta resolución desarrolla la obligación de informar sobre el PMP en la memoria de las cuentas anuales, conforme al ",{"text":269,"type":125,"marks":270},"Real Decreto 635/2014",[271],{"type":231,"attrs":272},{"href":273,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.boe.es/buscar/act.php?id=BOE-A-2014-8132",{"text":275,"type":125},".",{"type":119,"attrs":277,"content":279},{"textAlign":25,"key":278},"p-6",[280],{"text":281,"type":125},"La fórmula es la siguiente:",{"type":119,"attrs":283,"content":285},{"textAlign":25,"key":284},"p-7",[286],{"text":287,"type":125,"marks":288},"PMP = (Saldo medio de acreedores comerciales / Total de compras y gastos a crédito con IVA) x 365",[289],{"type":290},"bold",{"type":119,"attrs":292,"content":294},{"textAlign":25,"key":293},"p-8",[295],{"text":296,"type":125},"Cada componente tiene un significado preciso:",{"type":298,"content":299},"bullet_list",[300,313],{"type":301,"content":302},"list_item",[303],{"type":119,"attrs":304,"content":306},{"textAlign":25,"key":305},"p-9",[307,311],{"text":308,"type":125,"marks":309},"Saldo medio de acreedores comerciales.",[310],{"type":290},{"text":312,"type":125}," Se calcula como la media aritmética de los saldos de la cuenta 400 (Proveedores), 401 (Proveedores, efectos comerciales a pagar) y otras cuentas de acreedores comerciales al inicio y al cierre del ejercicio. Si dispones de datos trimestrales, la media será más representativa.",{"type":301,"content":314},[315],{"type":119,"attrs":316,"content":318},{"textAlign":25,"key":317},"p-10",[319,323],{"text":320,"type":125,"marks":321},"Total de compras y gastos a crédito con IVA incluido.",[322],{"type":290},{"text":324,"type":125}," Aquí entra el importe total de las adquisiciones de bienes y servicios que generan una obligación de pago, incluyendo el IVA (Impuesto sobre el Valor Añadido) soportado.",{"type":119,"attrs":326,"content":328},{"textAlign":25,"key":327},"p-11",[329,331,337],{"text":330,"type":125},"Este punto suele generar confusión: el ICAC exige que el denominador incluya IVA porque los saldos de acreedores comerciales en el balance ya lo incorporan. Un ",{"text":332,"type":125,"marks":333},"Controller",[334],{"type":231,"attrs":335},{"href":336,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.spendesk.com/es/blog/controller-financiero/",{"text":338,"type":125}," que calcule el PMP sin IVA en el denominador obtendrá un resultado artificialmente elevado. Si tus compras netas son 1.000.000 € y aplicas el 21 % de IVA, el denominador correcto es 1.210.000 €, no 1.000.000 €.",{"type":119,"attrs":340,"content":342},{"textAlign":25,"key":341},"p-12",[343],{"text":344,"type":125},"La Resolución del ICAC también exige desagregar dos indicadores adicionales: el ratio de operaciones pagadas y el ratio de operaciones pendientes de pago. Ambos deben incluirse en la memoria, ya sea ordinaria o abreviada.",{"type":215,"attrs":346,"content":347},{"level":217,"textAlign":25},[348],{"text":349,"type":125},"Ejemplo práctico de cálculo del PMP",{"type":119,"attrs":351,"content":353},{"textAlign":25,"key":352},"p-13",[354],{"text":355,"type":125},"Una empresa de servicios profesionales con 80 empleados presenta los siguientes datos al cierre del ejercicio:",{"type":298,"content":357},[358,366,374,382],{"type":301,"content":359},[360],{"type":119,"attrs":361,"content":363},{"textAlign":25,"key":362},"p-14",[364],{"text":365,"type":125},"Saldo de acreedores comerciales a 1 de enero: 180.000 €",{"type":301,"content":367},[368],{"type":119,"attrs":369,"content":371},{"textAlign":25,"key":370},"p-15",[372],{"text":373,"type":125},"Saldo de acreedores comerciales a 31 de diciembre: 220.000 €",{"type":301,"content":375},[376],{"type":119,"attrs":377,"content":379},{"textAlign":25,"key":378},"p-16",[380],{"text":381,"type":125},"Saldo medio: (180.000 + 220.000) / 2 = 200.000 €",{"type":301,"content":383},[384],{"type":119,"attrs":385,"content":387},{"textAlign":25,"key":386},"p-17",[388],{"text":389,"type":125},"Total compras y gastos a crédito (IVA incluido): 1.200.000 €",{"type":119,"attrs":391,"content":393},{"textAlign":25,"key":392},"p-18",[394],{"text":395,"type":125,"marks":396},"PMP = (200.000 / 1.200.000) x 365 = 60,8 días",[397],{"type":290},{"type":119,"attrs":399,"content":401},{"textAlign":25,"key":400},"p-19",[402],{"text":403,"type":125},"El resultado, 60,8 días, supera por poco el límite legal de 60 días. Según el RD 635/2014, esta cifra debe aparecer en la memoria abreviada junto con el detalle de operaciones pagadas y pendientes.",{"type":215,"attrs":405,"content":406},{"level":217,"textAlign":25},[407],{"text":408,"type":125},"Dónde localizar estos datos en tu software contable",{"type":119,"attrs":410,"content":411},{"textAlign":25,"key":121},[412],{"text":413,"type":125},"El ejemplo anterior solo es útil si sabes exactamente de dónde extraer cada cifra. En el Plan General Contable, el saldo medio de acreedores combina tres cuentas: la 400 (Proveedores), la 401 (Proveedores, efectos comerciales a pagar) y la 410 (Acreedores por prestaciones de servicios). En Sage, Holded o A3, accede al balance de sumas y saldos filtrado por el subgrupo 40. Para mayor precisión trimestral, exporta los saldos al cierre de cada trimestre y calcula la media aritmética de los cuatro periodos.",{"type":119,"attrs":415,"content":416},{"textAlign":25,"key":213},[417],{"text":418,"type":125},"El total de compras y gastos a crédito con IVA incluido procede de los grupos 60 (Compras) y 62 (Servicios exteriores), más el IVA soportado registrado en la cuenta 472. Puedes extraerlo a través del libro mayor o de la cuenta de pérdidas y ganancias filtrando por estos grupos.",{"type":119,"attrs":420,"content":421},{"textAlign":25,"key":223},[422],{"text":423,"type":125},"Si trabajas con una gestoría, solicita el balance de comprobación con cortes trimestrales de los grupos 40, 60 y 62. Así tendrás las dos variables de la fórmula sin depender de exportaciones manuales ni de cruces en Excel.",{"type":215,"attrs":425,"content":426},{"level":217,"textAlign":25},[427,429],{"text":428,"type":125},"El marco legal del plazo de pago en España",{"type":430},"hard_break",{"type":119,"attrs":432,"content":433},{"textAlign":25,"key":239},[434,436],{"text":435,"type":125},"La normativa sobre plazos de pago a proveedores ha evolucionado en cuatro etapas 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comerciales.",{"type":441,"content":503},[504,512,520],{"type":478,"attrs":505,"content":506},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[507],{"type":119,"attrs":508,"content":509},{"textAlign":25,"key":317},[510],{"text":511,"type":125},"2010",{"type":478,"attrs":513,"content":514},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[515],{"type":119,"attrs":516,"content":517},{"textAlign":25,"key":327},[518],{"text":519,"type":125},"Ley 15/2010",{"type":478,"attrs":521,"content":522},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[523],{"type":119,"attrs":524,"content":525},{"textAlign":25,"key":341},[526],{"text":527,"type":125},"Fija un plazo máximo de 60 días para los pagos entre empresas y de 30 días para el sector público.",{"type":441,"content":529},[530,538,545],{"type":478,"attrs":531,"content":532},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[533],{"type":119,"attrs":534,"content":535},{"textAlign":25,"key":352},[536],{"text":537,"type":125},"2014",{"type":478,"attrs":539,"content":540},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[541],{"type":119,"attrs":542,"content":543},{"textAlign":25,"key":362},[544],{"text":269,"type":125},{"type":478,"attrs":546,"content":547},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[548],{"type":119,"attrs":549,"content":550},{"textAlign":25,"key":370},[551],{"text":552,"type":125},"Concreta la obligación de informar sobre el PMP en las cuentas anuales.",{"type":441,"content":554},[555,563,571],{"type":478,"attrs":556,"content":557},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[558],{"type":119,"attrs":559,"content":560},{"textAlign":25,"key":378},[561],{"text":562,"type":125},"2022",{"type":478,"attrs":564,"content":565},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[566],{"type":119,"attrs":567,"content":568},{"textAlign":25,"key":386},[569],{"text":570,"type":125},"Ley Crea y Crece, Ley 18/2022",{"type":478,"attrs":572,"content":573},{"colspan":446,"rowspan":446,"colwidth":25,"backgroundColor":25},[574],{"type":119,"attrs":575,"content":576},{"textAlign":25,"key":392},[577],{"text":578,"type":125},"Endurece las consecuencias de superar los 60 días, limitando el acceso a subvenciones y determinados contratos públicos.",{"type":119,"attrs":580,"content":581},{"textAlign":25,"key":400},[582,583,584,585],{"type":430},{"type":430},{"type":430},{"text":586,"type":125}," La Ley 3/2004 de medidas de lucha contra la morosidad estableció el marco general para combatir los retrasos en pagos comerciales, transponiendo la Directiva europea 2000/35/CE.",{"type":119,"attrs":588,"content":590},{"textAlign":25,"key":589},"p-20",[591,593,598],{"text":592,"type":125},"La ",{"text":519,"type":125,"marks":594},[595],{"type":231,"attrs":596},{"href":597,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":599,"type":125}," modificó esta norma para fijar un plazo máximo de 60 días naturales en el sector privado, frente a los 90 que se permitían anteriormente. Para el sector público, el plazo se redujo a 30 días.",{"type":119,"attrs":601,"content":603},{"textAlign":25,"key":602},"p-21",[604,606,610],{"text":605,"type":125},"El ",{"text":269,"type":125,"marks":607},[608],{"type":231,"attrs":609},{"href":273,"uuid":25,"anchor":25,"target":234,"linktype":107},{"text":611,"type":125}," concretó la obligación de informar sobre el PMP en las cuentas anuales, incluyendo empresas que formulan memoria abreviada. Y la Ley Crea y Crece (Ley 18/2022) endureció las consecuencias: las empresas que superen los 60 días de PMP no pueden acceder a subvenciones públicas ni a determinados contratos con la Administración.",{"type":119,"attrs":613,"content":615},{"textAlign":25,"key":614},"p-22",[616],{"text":617,"type":125},"Un Director Financiero de una empresa tecnológica de 150 empleados en Madrid comprobó esta restricción de primera mano al presentar una solicitud de ayuda del programa Kit Digital. La solicitud fue rechazada porque el PMP de la empresa, según las cuentas anuales depositadas en el Registro Mercantil, superaba el límite legal. El coste de oportunidad no fue solo la subvención perdida, sino el retraso de seis meses en la digitalización de procesos internos.",{"type":215,"attrs":619,"content":620},{"level":217,"textAlign":25},[621],{"text":622,"type":125},"Cómo reducir el periodo medio de pago sin comprometer la tesorería",{"type":119,"attrs":624,"content":626},{"textAlign":25,"key":625},"p-23",[627],{"text":628,"type":125},"Reducir el PMP no significa pagar todo antes, sino eliminar los días que se pierden entre la recepción de una factura y su aprobación para el pago. Estas son las tres palancas principales:",{"type":630,"attrs":631,"content":633},"ordered_list",{"order":446,"key":632},"ol-0",[634,655,677],{"type":301,"content":635},[636],{"type":119,"attrs":637,"content":639},{"textAlign":25,"key":638},"p-24",[640,644,646,653,654],{"text":641,"type":125,"marks":642},"Automatiza el flujo de aprobación.",[643],{"type":290},{"text":645,"type":125}," Sustituye las cadenas de correo por flujos configurables según el importe, el centro de coste o el tipo de gasto para evitar cuellos de botella que retrasan el ",{"text":647,"type":125,"marks":648},"cierre",[649,652],{"type":231,"attrs":650},{"href":651,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"type":290},{"text":275,"type":125},{"type":430},{"type":301,"content":656},[657],{"type":119,"attrs":658,"content":660},{"textAlign":25,"key":659},"p-25",[661,665,667,674,676],{"text":662,"type":125,"marks":663},"Centraliza la captura y el registro de facturas.",[664],{"type":290},{"text":666,"type":125}," La captura automática de ",{"text":668,"type":125,"marks":669},"facturas por OCR",[670,673],{"type":231,"attrs":671},{"href":672,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"type":290},{"text":675,"type":125}," elimina la introducción manual de datos y reduce los errores de codificación que pueden provocar devoluciones y retrasos.",{"type":430},{"type":301,"content":678},[679],{"type":119,"attrs":680,"content":682},{"textAlign":25,"key":681},"p-26",[683,687,689],{"text":684,"type":125,"marks":685},"Negocia condiciones de pronto pago.",[686],{"type":290},{"text":688,"type":125}," Un flujo de aprobación más rápido facilita negociar descuentos de entre el 1 % y el 3 % por pagar a 15 o 30 días, mejorando el PMP y reduciendo los costes de aprovisionamiento.",{"type":430},{"type":215,"attrs":691,"content":692},{"level":217,"textAlign":25},[693],{"text":694,"type":125},"VERI\\*FACTU y la facturación electrónica como palanca para controlar los pagos",{"type":119,"attrs":696,"content":698},{"textAlign":25,"key":697},"p-27",[699],{"text":700,"type":125},"La obligación de utilizar software de facturación homologado bajo VERI*FACTU, vigente desde enero de 2026 para el primer tramo de empresas y desde julio de 2026 para el resto, introduce un cambio estructural en la gestión de pagos a proveedores.",{"type":119,"attrs":702,"content":704},{"textAlign":25,"key":703},"p-28",[705],{"text":706,"type":125},"VERI*FACTU exige que cada factura emitida lleve un registro digital con marca de tiempo, huella digital y código QR verificable por la AEAT (Agencia Estatal de Administración Tributaria). Este requisito genera, como efecto secundario, una trazabilidad completa del ciclo factura-pago que antes solo se conseguía con procesos manuales de auditoría.",{"type":119,"attrs":708,"content":710},{"textAlign":25,"key":709},"p-29",[711],{"text":712,"type":125},"Para el cálculo del PMP, esto significa que la fecha de emisión de cada factura queda registrada de forma inmutable. Un Controller ya no depende de que el departamento de compras anote correctamente la fecha de recepción: el propio sistema genera la evidencia.",{"type":119,"attrs":714,"content":716},{"textAlign":25,"key":715},"p-30",[717,719,725],{"text":718,"type":125},"Las plataformas digitales con registros de pago con marca de tiempo, como Spendesk, se alinean directamente con esta lógica. Cada pago SEPA queda vinculado a la factura correspondiente con fecha y hora, lo que simplifica tanto la ",{"text":720,"type":125,"marks":721},"conciliación",[722],{"type":231,"attrs":723},{"href":724,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":726,"type":125}," como el informe del PMP en la memoria.",{"type":215,"attrs":728,"content":729},{"level":217,"textAlign":25},[730],{"text":731,"type":125},"Herramientas para gestionar los pagos a proveedores de forma eficiente",{"type":119,"attrs":733,"content":735},{"textAlign":25,"key":734},"p-31",[736],{"text":737,"type":125},"El mercado ofrece tres categorías de herramientas para la gestión de proveedores y el control del PMP.",{"type":119,"attrs":739,"content":741},{"textAlign":25,"key":740},"p-32",[742,744,750],{"text":743,"type":125},"La primera categoría son los módulos integrados en ERP. Soluciones como Sage o Holded incluyen funcionalidades de ",{"text":745,"type":125,"marks":746},"cuentas a pagar",[747],{"type":231,"attrs":748},{"href":749,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":751,"type":125}," dentro de su ecosistema contable. La ventaja es la integración nativa con el libro mayor; la limitación, que los flujos de aprobación suelen ser básicos y la captura de facturas requiere entrada manual.",{"type":119,"attrs":753,"content":755},{"textAlign":25,"key":754},"p-33",[756],{"text":757,"type":125},"La segunda categoría son las plataformas dedicadas de cuentas a pagar (AP automation). Estas herramientas se especializan en el ciclo completo de la factura: recepción, captura por OCR, codificación, aprobación y pago. Se integran con el ERP existente y añaden una capa de automatización que el ERP por sí solo no ofrece.",{"type":119,"attrs":759,"content":761},{"textAlign":25,"key":760},"p-34",[762],{"text":763,"type":125},"La tercera categoría son las plataformas de gestión de gasto integral (spend management). Estas unifican tarjetas corporativas, facturas de proveedores, notas de gasto y órdenes de compra en un único flujo. La ventaja para el control del PMP es que toda la información de pagos reside en un solo sistema, lo que elimina la dispersión de datos entre herramientas.",{"type":119,"attrs":765,"content":767},{"textAlign":25,"key":766},"p-35",[768],{"text":769,"type":125},"Un Responsable de Administración de una consultora de 70 empleados gestionaba los pagos a proveedores con una combinación de hoja de cálculo, correo electrónico y la funcionalidad básica de su software contable. El resultado: facturas duplicadas, aprobaciones perdidas y un PMP que fluctuaba entre 55 y 80 días según el trimestre, sin visibilidad clara de la causa.",{"type":119,"attrs":771,"content":773},{"textAlign":25,"key":772},"p-36",[774],{"text":775,"type":125},"A la hora de evaluar herramientas, prioriza tres criterios: integración con tu software contable actual (A3, Sage, Holded u Odoo), flujos de aprobación configurables por importe y departamento, y trazabilidad completa del ciclo factura-pago para el seguimiento del PMP.",{"type":215,"attrs":777,"content":778},{"level":217,"textAlign":25},[779],{"text":780,"type":125},"La herramienta adecuada depende de tu volumen de facturas",{"type":119,"attrs":782,"content":784},{"textAlign":25,"key":783},"p-37",[785],{"text":786,"type":125},"No todas las empresas necesitan el mismo nivel de automatización. La clave está en el volumen mensual de facturas y en la complejidad de tu estructura societaria.",{"type":119,"attrs":788,"content":790},{"textAlign":25,"key":789},"p-38",[791],{"text":792,"type":125},"Con menos de 50 facturas al mes, el módulo de cuentas a pagar de tu ERP actual (Sage, Holded, A3) suele ser suficiente. Concentra el esfuerzo en configurar correctamente los flujos de aprobación para que ninguna factura se pague sin validación.",{"type":119,"attrs":794,"content":796},{"textAlign":25,"key":795},"p-39",[797],{"text":798,"type":125},"Entre 50 y 200 facturas mensuales, una capa de automatización AP dedicada empieza a ser rentable. Con este volumen de facturas, la entrada manual y las aprobaciones por correo electrónico consumen entre 15 y 20 horas al mes del equipo financiero. La captura por OCR y el direccionamiento automático se amortizan en el primer trimestre.",{"type":119,"attrs":800,"content":802},{"textAlign":25,"key":801},"p-40",[803],{"text":804,"type":125},"Por encima de 200 facturas al mes, o con varias entidades jurídicas, la solución más eficaz es una plataforma de gestión de gasto integral que unifique facturas, tarjetas y notas de gasto en un solo panel. La consolidación de los informes elimina la conciliación en Excel que retrasa el cálculo del PMP hasta después del cierre anual.",{"type":215,"attrs":806,"content":807},{"level":217,"textAlign":25},[808],{"text":809,"type":125,"marks":810},"Cómo te ayuda Spendesk a mantener el PMP bajo control",[811],{"type":290},{"type":119,"attrs":813,"content":815},{"textAlign":25,"key":814},"p-41",[816],{"text":817,"type":125},"Reducir el periodo medio de pago depende de eliminar los retrasos entre la recepción de una factura, su aprobación y el pago. Spendesk ayuda a centralizar este proceso y a mejorar la trazabilidad del ciclo factura-pago.",{"type":298,"content":819},[820,832,844,856],{"type":301,"content":821},[822],{"type":119,"attrs":823,"content":825},{"textAlign":25,"key":824},"p-42",[826,830],{"text":827,"type":125,"marks":828},"Automatiza los flujos de aprobación",[829],{"type":290},{"text":831,"type":125}," según el importe, el centro de coste o el tipo de gasto.",{"type":301,"content":833},[834],{"type":119,"attrs":835,"content":837},{"textAlign":25,"key":836},"p-43",[838,842],{"text":839,"type":125,"marks":840},"Captura las facturas mediante OCR",[841],{"type":290},{"text":843,"type":125},", reduciendo la introducción manual de datos y los errores de codificación.",{"type":301,"content":845},[846],{"type":119,"attrs":847,"content":849},{"textAlign":25,"key":848},"p-44",[850,854],{"text":851,"type":125,"marks":852},"Registra y vincula los pagos con sus facturas",[853],{"type":290},{"text":855,"type":125},", facilitando la conciliación y el seguimiento del PMP.",{"type":301,"content":857},[858],{"type":119,"attrs":859,"content":861},{"textAlign":25,"key":860},"p-45",[862,866],{"text":863,"type":125,"marks":864},"Se integra con tu software contable",[865],{"type":290},{"text":867,"type":125},", sujeto a validación de las herramientas compatibles.",{"name":869,"created_at":870,"published_at":16,"updated_at":871,"id":872,"uuid":873,"content":874,"slug":881,"full_slug":882,"sort_by_date":25,"position":52,"tag_list":883,"is_startpage":28,"parent_id":884,"meta_data":25,"group_id":885,"first_published_at":886,"release_id":25,"lang":32,"path":25,"alternates":887,"default_full_slug":888,"translated_slugs":889,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":875,"icon":876,"name":869,"component":880},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":877,"alt":878,"name":99,"focus":99,"title":99,"filename":879,"copyright":99,"fieldtype":104,"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",[890,891,892],{"path":888,"name":25,"lang":37,"published":25},{"path":888,"name":25,"lang":39,"published":25},{"path":888,"name":25,"lang":32,"published":25},[32],[],"Cómo calcular el periodo medio de pago a proveedores paso a ",[],"2026-06-06 00:00","13",[900],{"_uid":901,"asset":902,"caption":99,"component":906},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":903,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":904,"copyright":99,"fieldtype":104,"meta_data":905,"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.",[909],{"cta":910,"_uid":925,"image":926,"title":931,"subtitle":99,"component":934,"imageFullWidth":41},[911],{"tag":99,"_uid":912,"hide":28,"icon":913,"link":915,"type":99,"label":99,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"18b974e1-44aa-48ee-a066-0b64da9610d3",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":914},{},{"id":916,"url":99,"linktype":917,"fieldtype":108,"cached_url":918,"prep":41,"story":919},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","story","/es/schedule-a-demo/",{"name":920,"id":921,"uuid":916,"slug":922,"url":923,"full_slug":924,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","a3e81fd9-5d12-4766-bcf9-52093d9e094f",{"id":927,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":928,"copyright":99,"fieldtype":104,"meta_data":929,"is_external_url":28},222395358447793,"https://a.storyblok.com/f/146026/1700x465/eb18d1660e/bcn-es.png",{"size":930},"1700x465",{"type":116,"content":932},[933],{"type":119},"ctaBlock",[936],{"_uid":937,"items":938,"heading":1009,"component":1010},"d437e15a-ca83-40ff-962f-928bbc083496",[939,956,966,976,986],{"_uid":940,"title":941,"component":942,"description":943},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?","faqItem",{"type":116,"content":944},[945],{"type":119,"attrs":946,"content":947},{"textAlign":25,"key":121},[948,950,954],{"text":949,"type":125},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":519,"type":125,"marks":951},[952],{"type":231,"attrs":953},{"href":597,"uuid":25,"anchor":25,"target":234,"linktype":107},{"text":955,"type":125},". 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":957,"title":958,"component":942,"description":959},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":116,"content":960},[961],{"type":119,"attrs":962,"content":963},{"textAlign":25,"key":121},[964],{"text":965,"type":125},"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. 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Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":119,"attrs":2481,"content":2482},{"textAlign":25},[2483],{"text":2484,"type":125},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":119,"attrs":2486,"content":2487},{"textAlign":25},[2488],{"text":2489,"type":125},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":119,"attrs":2491,"content":2492},{"textAlign":25},[2493],{"text":2494,"type":125},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2496,"title":2497,"component":942,"description":2498},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":116,"content":2499},[2500,2505,2517,2522,2532,2537,2542,2547],{"type":119,"attrs":2501,"content":2502},{"textAlign":25},[2503],{"text":2504,"type":125},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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":119,"attrs":2506,"content":2507},{"textAlign":25},[2508,2512,2515],{"text":2509,"type":125,"marks":2510},"Para los empleados",[2511],{"type":290},{"type":430,"marks":2513},[2514],{"type":290},{"text":2516,"type":125},"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":119,"attrs":2518,"content":2519},{"textAlign":25},[2520],{"text":2521,"type":125},"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":119,"attrs":2523,"content":2524},{"textAlign":25},[2525,2529,2530],{"text":2526,"type":125,"marks":2527},"Para los equipos financieros",[2528],{"type":290},{"type":430},{"text":2531,"type":125},"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":119,"attrs":2533,"content":2534},{"textAlign":25},[2535],{"text":2536,"type":125},"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":119,"attrs":2538,"content":2539},{"textAlign":25},[2540],{"text":2541,"type":125},"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":119,"attrs":2543,"content":2544},{"textAlign":25},[2545],{"text":2546,"type":125},"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":119,"attrs":2548,"content":2549},{"textAlign":25},[2550],{"text":2551,"type":125},"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.",[2553],{"cta":2554,"_uid":2555,"title":2556,"eyebrow":2563,"subtitle":2566,"component":215,"textAlign":99,"sectionSettings":2572,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":116,"content":2557},[2558],{"type":215,"attrs":2559,"content":2560},{"level":217},[2561],{"text":2562,"type":125},"Empezar con Spendesk",{"type":116,"content":2564},[2565],{"type":119},{"type":116,"content":2567},[2568],{"type":119,"content":2569},[2570],{"text":2571,"type":125},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2577,2736,2873,3013],{"name":2578,"created_at":2579,"published_at":2580,"updated_at":2581,"id":2582,"uuid":2583,"content":2584,"slug":2724,"full_slug":2725,"sort_by_date":25,"position":2726,"tag_list":2727,"is_startpage":28,"parent_id":1015,"meta_data":25,"group_id":2728,"first_published_at":2729,"release_id":25,"lang":32,"path":25,"alternates":2730,"default_full_slug":2731,"translated_slugs":2732},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00","11",[2618],{"_uid":2619,"asset":2620,"caption":99,"component":906},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":2621,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2622,"copyright":99,"fieldtype":104,"meta_data":2623,"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.",[2626],{"cta":2627,"_uid":2635,"image":2636,"title":2638,"subtitle":2648,"component":934,"imageFullWidth":41},[2628],{"tag":99,"_uid":2629,"hide":28,"icon":2630,"link":2632,"type":99,"label":2634,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"fcc98e90-9fff-4374-8c6b-cc0fffa5d98e",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":2631},{},{"id":2404,"url":99,"linktype":917,"fieldtype":108,"cached_url":2405,"prep":41,"story":2633},{"name":2407,"id":2408,"uuid":2404,"slug":2409,"url":2409,"full_slug":2410,"_stopResolving":41},"Solicita una demo","5cb2dc19-4376-4bc8-ae9d-98ccc143e405",{"id":927,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":928,"copyright":99,"fieldtype":104,"meta_data":2637,"is_external_url":28},{"size":930},{"type":116,"attrs":2639,"content":2640},{"backgroundColor":25},[2641],{"type":119,"attrs":2642,"content":2643},{"textAlign":25},[2644],{"text":2645,"type":125,"marks":2646},"¿Quieres simplificar la gestión de la cuenta 407?",[2647],{"type":290},"Automatiza la conciliación de anticipos y facturas definitivas con Spendesk.",[2650],{"_uid":2651,"items":2652,"heading":1009,"component":1010},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[2653,2663,2673,2683,2693,2703,2713],{"_uid":2654,"title":2655,"component":942,"description":2656},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":116,"content":2657},[2658],{"type":119,"attrs":2659,"content":2660},{"textAlign":25},[2661],{"text":2662,"type":125},"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":2664,"title":2665,"component":942,"description":2666},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":116,"content":2667},[2668],{"type":119,"attrs":2669,"content":2670},{"textAlign":25},[2671],{"text":2672,"type":125},"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":2674,"title":2675,"component":942,"description":2676},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":116,"content":2677},[2678],{"type":119,"attrs":2679,"content":2680},{"textAlign":25},[2681],{"text":2682,"type":125},"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":2684,"title":2685,"component":942,"description":2686},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":116,"content":2687},[2688],{"type":119,"attrs":2689,"content":2690},{"textAlign":25},[2691],{"text":2692,"type":125},"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":2694,"title":2695,"component":942,"description":2696},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":116,"content":2697},[2698],{"type":119,"attrs":2699,"content":2700},{"textAlign":25},[2701],{"text":2702,"type":125},"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":2704,"title":2705,"component":942,"description":2706},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":116,"content":2707},[2708],{"type":119,"attrs":2709,"content":2710},{"textAlign":25},[2711],{"text":2712,"type":125},"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":2714,"title":2715,"component":942,"description":2716},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":116,"attrs":2717,"content":2718},{"backgroundColor":25},[2719],{"type":119,"attrs":2720,"content":2721},{"textAlign":25},[2722],{"text":2723,"type":125},"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. ","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1760,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[2733,2734,2735],{"path":2731,"name":25,"lang":37,"published":25},{"path":2731,"name":25,"lang":39,"published":25},{"path":2731,"name":25,"lang":32,"published":25},{"name":2737,"created_at":2738,"published_at":2739,"updated_at":2740,"id":2741,"uuid":2742,"content":2743,"slug":2861,"full_slug":2862,"sort_by_date":25,"position":2863,"tag_list":2864,"is_startpage":28,"parent_id":1015,"meta_data":25,"group_id":2865,"first_published_at":2866,"release_id":25,"lang":32,"path":25,"alternates":2867,"default_full_slug":2868,"translated_slugs":2869},"Conciliación bancaria: qué es, ejemplo práctico y cómo automatizarla","2026-06-10T13:00:12.731Z","2026-07-15T12:52:27.550Z","2026-07-15T12:52:27.586Z",185986305006565,"347a8315-f054-4486-8046-cc11efd3e939",{"_uid":2744,"title":2737,"topics":2745,"noIndex":28,"category":2754,"language":2763,"component":881,"heroMedia":2764,"metaTitle":2765,"publishedAt":2766,"readingTime":2616,"redirectUrl":99,"listingImage":2767,"metaDescription":2774,"bottomArticleCta":2775,"componentsAfterTheArticle":2776},"ed957ed1-9e9c-4c59-a361-3e92ed0d1e57",[2746],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2747,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2748,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2749,"default_full_slug":163,"translated_slugs":2750,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2751,2752,2753],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":869,"created_at":870,"published_at":16,"updated_at":871,"id":872,"uuid":873,"content":2755,"slug":881,"full_slug":882,"sort_by_date":25,"position":52,"tag_list":2757,"is_startpage":28,"parent_id":884,"meta_data":25,"group_id":885,"first_published_at":886,"release_id":25,"lang":32,"path":25,"alternates":2758,"default_full_slug":888,"translated_slugs":2759,"_stopResolving":41},{"_uid":875,"icon":2756,"name":869,"component":880},{"id":877,"alt":878,"name":99,"focus":99,"title":99,"filename":879,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2760,2761,2762],{"path":888,"name":25,"lang":37,"published":25},{"path":888,"name":25,"lang":39,"published":25},{"path":888,"name":25,"lang":32,"published":25},[32],[],"Conciliación bancaria: qué es, ejemplo práctico y cómo autom","2026-06-28 00:00",[2768],{"_uid":2769,"asset":2770,"caption":99,"component":906},"5bce087f-87f5-4cc0-9273-66bf36c1e1cf",{"id":2771,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2772,"copyright":99,"fieldtype":104,"meta_data":2773,"is_external_url":28},198314222330707,"https://a.storyblok.com/f/146026/2752x1536/e59e6d4a0f/spendesk_blog_cover_conciliacion_bancaria.jpg",{},"Aprende qué es la conciliación bancaria, sigue un ejemplo numérico paso a paso y descubre cómo automatizarla para acelerar el cierre mensual de tu empresa.",[],[2777],{"_uid":2778,"items":2779,"heading":2838,"component":1010},"f710724d-656b-444b-b6f5-476932443755",[2780,2790,2808,2818,2828],{"_uid":2781,"title":2782,"component":942,"description":2783},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?",{"type":116,"content":2784},[2785],{"type":119,"attrs":2786,"content":2787},{"textAlign":25},[2788],{"text":2789,"type":125},"No es un requisito legal directo. Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":2791,"title":2792,"component":942,"description":2793},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":116,"content":2794},[2795],{"type":119,"attrs":2796,"content":2797},{"textAlign":25},[2798,2800,2806],{"text":2799,"type":125},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":2801,"type":125,"marks":2802},"objetivos financieros",[2803],{"type":231,"attrs":2804},{"href":2805,"uuid":25,"anchor":25,"target":234,"linktype":107},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":2807,"type":125}," del equipo ayuda a mantener la disciplina. Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":2809,"title":2810,"component":942,"description":2811},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":116,"content":2812},[2813],{"type":119,"attrs":2814,"content":2815},{"textAlign":25},[2816],{"text":2817,"type":125},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":2819,"title":2820,"component":942,"description":2821},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":116,"content":2822},[2823],{"type":119,"attrs":2824,"content":2825},{"textAlign":25},[2826],{"text":2827,"type":125},"Contasol permite importar extractos bancarios y compararlos con asientos contables. Para empresas con múltiples métodos de pago (tarjetas, facturas, reembolsos), un software de gestión de gastos integrado ofrece una conciliación más completa al unificar todos los flujos en un solo panel.",{"_uid":2829,"title":2830,"component":942,"description":2831},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":116,"content":2832},[2833],{"type":119,"attrs":2834,"content":2835},{"textAlign":25},[2836],{"text":2837,"type":125},"A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR registrados en tiempo real ante la AEAT. 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También pueden deberse a entregas parciales, cargos adicionales, facturas duplicadas o ausencia de una referencia de compra.",{"_uid":2930,"title":2931,"component":942,"description":2932},"f2ea5888-1a9c-4809-93af-11f1b6c973ee","¿Qué ocurre cuando una factura no coincide con el pedido?",{"type":116,"content":2933},[2934],{"type":119,"attrs":2935,"content":2936},{"textAlign":25},[2937],{"text":2938,"type":125},"La factura debe pasar a revisión antes de continuar al pago, según la política de la empresa. El responsable puede confirmar si existe una entrega pendiente, corregir el pedido, solicitar una factura rectificativa o aprobar la diferencia cuando esté justificada.",{"_uid":2940,"title":2941,"component":942,"description":2942},"218ef5e9-c908-40c4-85d5-b84fdf1922ca","¿Cuáles son los errores de codificación más frecuentes?",{"type":116,"content":2943},[2944],{"type":119,"attrs":2945,"content":2946},{"textAlign":25},[2947],{"text":2948,"type":125},"Los más habituales son seleccionar una cuenta contable incorrecta, asignar el gasto a otro centro de costes, duplicar el registro o utilizar datos desactualizados del proveedor. También puede ser necesario revisar la información fiscal de la operación.",{"_uid":2950,"title":2951,"component":942,"description":2952},"e58f7c77-176f-41fa-bb44-ef9423fa8b57","¿Cómo puede mejorar una empresa el procesamiento de facturas?",{"type":116,"content":2953},[2954],{"type":119,"attrs":2955,"content":2956},{"textAlign":25},[2957],{"text":2958,"type":125},"Puede definir qué documentación necesita para cada tipo de compra, capturar la codificación en la solicitud o el pedido, utilizar OCR para reducir la introducción manual, establecer reglas de tolerancia e integrar la información con el ERP cuando la conexión disponible cubra sus necesidades.",{"_uid":2960,"title":2961,"component":942,"description":2962},"8fad0725-50d7-49cb-b1f2-3c664e9fae01","¿En qué se diferencia la conciliación de facturas de la conciliación bancaria?",{"type":116,"content":2963},[2964],{"type":119,"attrs":2965,"content":2966},{"textAlign":25},[2967],{"text":2968,"type":125},"La conciliación de facturas comprueba si una factura puede aprobarse y pagarse comparándola con el pedido y la recepción. La conciliación bancaria comprueba después si los movimientos de la cuenta coinciden con los apuntes contables.",{"_uid":2970,"title":2971,"component":942,"description":2972},"dab1bc41-9b1b-454e-8ce4-bc7933606b9a","¿Cómo puede ayudar Spendesk con la conciliación de facturas?",{"type":116,"content":2973},[2974],{"type":119,"attrs":2975,"content":2976},{"textAlign":25},[2977],{"text":2978,"type":125},"Spendesk no es un ERP. Es una plataforma de gestión de gastos y cuentas por pagar que ayuda a centralizar las facturas, los pedidos y la documentación de respaldo, facilitar la comparación de la información disponible, identificar excepciones y dirigir cada operación al flujo de aprobación correspondiente. También puede ayudar a preparar los datos para conectarlos con el sistema financiero y evitar que las discrepancias se descubran al cierre de mes, cuando ya queda poco margen para corregirlas.",[2980],{"cta":2981,"_uid":2982,"title":2983,"eyebrow":2989,"subtitle":2994,"component":215,"textAlign":99,"flexibleSection":2999,"sectionSettings":3000,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"bc20a4a6-1ac6-49d9-a31d-740c9b91c095",{"type":116,"content":2984},[2985],{"type":215,"attrs":2986,"content":2987},{"level":217,"textAlign":25},[2988],{"text":2848,"type":125},{"type":116,"content":2990},[2991],{"type":119,"attrs":2992,"content":2993},{"textAlign":25},[],{"type":116,"content":2995},[2996],{"type":119,"attrs":2997,"content":2998},{"textAlign":25},[],[],[],"conciliacion-de-facturas","es/blog/conciliacion-de-facturas",-3490,[],"812b517e-2eda-4778-bfe2-493605327cf9","2026-09-14T09:05:53.999Z",[],"blog/conciliacion-de-facturas",[3010,3011,3012],{"path":3008,"name":25,"lang":37,"published":25},{"path":3008,"name":25,"lang":39,"published":25},{"path":3008,"name":25,"lang":32,"published":25},{"name":3014,"created_at":3015,"published_at":3016,"updated_at":3017,"id":3018,"uuid":3019,"content":3020,"slug":3150,"full_slug":3151,"sort_by_date":25,"position":3152,"tag_list":3153,"is_startpage":28,"parent_id":1015,"meta_data":25,"group_id":3154,"first_published_at":3155,"release_id":25,"lang":32,"path":25,"alternates":3156,"default_full_slug":3157,"translated_slugs":3158},"Suministro Inmediato de Información (SII): quién está obligado y cómo funciona","2026-08-27T10:05:46.612Z","2026-08-27T13:15:06.420Z","2026-08-27T13:15:06.441Z",213547198969678,"c9ee313b-7bc8-4d4c-b5f5-f07f5ef3f0d4",{"_uid":3021,"title":3014,"topics":3022,"noIndex":28,"category":3031,"language":3040,"component":881,"heroMedia":3041,"metaTitle":3042,"publishedAt":3043,"readingTime":2904,"redirectUrl":99,"listingImage":3044,"metaDescription":3052,"bottomArticleCta":3053,"componentsAfterTheArticle":3054},"7c8baf82-c72c-4bd0-978c-914b4de81327",[3023],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":3024,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":3025,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":3026,"default_full_slug":163,"translated_slugs":3027,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[3028,3029,3030],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":869,"created_at":870,"published_at":16,"updated_at":871,"id":872,"uuid":873,"content":3032,"slug":881,"full_slug":882,"sort_by_date":25,"position":52,"tag_list":3034,"is_startpage":28,"parent_id":884,"meta_data":25,"group_id":885,"first_published_at":886,"release_id":25,"lang":32,"path":25,"alternates":3035,"default_full_slug":888,"translated_slugs":3036,"_stopResolving":41},{"_uid":875,"icon":3033,"name":869,"component":880},{"id":877,"alt":878,"name":99,"focus":99,"title":99,"filename":879,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[3037,3038,3039],{"path":888,"name":25,"lang":37,"published":25},{"path":888,"name":25,"lang":39,"published":25},{"path":888,"name":25,"lang":32,"published":25},[32],[],"Suministro Inmediato de Información (SII): quién está obliga","2026-08-26 00:00",[3045],{"_uid":3046,"asset":3047,"caption":99,"component":906},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":3048,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":3049,"copyright":99,"fieldtype":104,"meta_data":3050,"is_external_url":28},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":3051},"1536x1024","Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[3055],{"_uid":3056,"items":3057,"heading":3128,"component":1010},"def80281-c114-48d8-922b-c6452f4b32e1",[3058,3068,3078,3088,3098,3108,3118],{"_uid":3059,"title":3060,"component":942,"description":3061},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":116,"content":3062},[3063],{"type":119,"attrs":3064,"content":3065},{"textAlign":25},[3066],{"text":3067,"type":125},"El SII es la llevanza electrónica de los libros registro del IVA a través de la Sede de la AEAT. Las empresas incluidas deben enviar determinados registros de facturación dentro de plazos breves. No es una declaración adicional, sino una forma distinta de mantener los libros del IVA.",{"_uid":3069,"title":3070,"component":942,"description":3071},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":116,"content":3072},[3073],{"type":119,"attrs":3074,"content":3075},{"textAlign":25},[3076],{"text":3077,"type":125},"Están obligadas, entre otras, las grandes empresas que superan el volumen de operaciones establecido, las empresas inscritas en REDEME, las entidades acogidas al régimen especial del grupo de entidades del IVA y determinados titulares y extractores de productos de depósitos fiscales de hidrocarburos.",{"_uid":3079,"title":3080,"component":942,"description":3081},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":116,"content":3082},[3083],{"type":119,"attrs":3084,"content":3085},{"textAlign":25},[3086],{"text":3087,"type":125},"Sí. Los sujetos pasivos que no estén obligados pueden optar voluntariamente mediante el procedimiento previsto por la AEAT, normalmente a través del modelo 036. La opción está sujeta a condiciones de permanencia y renuncia.",{"_uid":3089,"title":3090,"component":942,"description":3091},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":116,"content":3092},[3093],{"type":119,"attrs":3094,"content":3095},{"textAlign":25},[3096],{"text":3097,"type":125},"El plazo general es de cuatro días naturales. Para las facturas expedidas por el destinatario o por un tercero, puede aplicarse un plazo de ocho días. En las facturas recibidas, el plazo se calcula generalmente desde el registro contable. También deben respetarse los límites vinculados al periodo de liquidación.",{"_uid":3099,"title":3100,"component":942,"description":3101},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":116,"content":3102},[3103],{"type":119,"attrs":3104,"content":3105},{"textAlign":25},[3106],{"text":3107,"type":125},"En los términos previstos por la normativa, las empresas acogidas al SII quedan exoneradas de presentar los modelos 347 y 390. La empresa puede tener que incluir información adicional en el modelo 303 del último periodo del ejercicio.",{"_uid":3109,"title":3110,"component":942,"description":3111},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":116,"content":3112},[3113],{"type":119,"attrs":3114,"content":3115},{"textAlign":25},[3116],{"text":3117,"type":125},"El SII regula el suministro electrónico de los registros del IVA. VeriFactu establece requisitos para los sistemas informáticos de facturación. La factura electrónica B2B regula el intercambio de facturas electrónicas entre empresas y profesionales. Son obligaciones diferentes y no se sustituyen automáticamente entre sí.",{"_uid":3119,"title":3120,"component":942,"description":3121},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":116,"content":3122},[3123],{"type":119,"attrs":3124,"content":3125},{"textAlign":25},[3126],{"text":3127,"type":125},"Spendesk centraliza la recepción de facturas de proveedores y extrae los datos mediante OCR desde el primer momento. La información contable y de IVA se organiza antes de dirigirse al flujo de aprobación configurado, y los datos ya validados pueden exportarse a la herramienta contable de la empresa. Esto ayuda a mantener un flujo de cuentas por pagar más ordenado y con menos margen para retrasos, aunque la validación final de la información y el suministro al SII siguen correspondiendo a la empresa conforme a sus obligaciones.",[3129],{"cta":3130,"_uid":3131,"title":3132,"eyebrow":3138,"subtitle":3143,"component":215,"textAlign":99,"flexibleSection":3148,"sectionSettings":3149,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"1b5b92ff-b89c-495c-a337-c708520f4861",{"type":116,"content":3133},[3134],{"type":215,"attrs":3135,"content":3136},{"level":217,"textAlign":25},[3137],{"text":2848,"type":125},{"type":116,"content":3139},[3140],{"type":119,"attrs":3141,"content":3142},{"textAlign":25},[],{"type":116,"content":3144},[3145],{"type":119,"attrs":3146,"content":3147},{"textAlign":25},[],[],[],"suministro-inmediato-de-informacion-sii","es/blog/suministro-inmediato-de-informacion-sii",-2980,[],"1026b24a-05ed-4e9b-ac69-e27ceb7abb19","2026-08-27T10:05:46.675Z",[],"blog/suministro-inmediato-de-informacion-sii",[3159,3160,3161],{"path":3157,"name":25,"lang":37,"published":25},{"path":3157,"name":25,"lang":39,"published":25},{"path":3157,"name":25,"lang":32,"published":25},["Island",3163],{"key":3164,"result":3165},"MarkdownRenderer_hpdRDNhO7Lf0Mwje70SmZwNU4i0oZdUvmtuEH3QdB4",{"head":3166},{"link":3167,"style":3168},[],[],1793980981256]