[{"data":1,"prerenderedAt":4415},["ShallowReactive",2],{"es-blog/controller-financiero":3,"es-global-content":904,"es-article-global-content":2286,"es-blog-article-more-articles-0d21d83f-545d-4f60-acc8-ab3b9c5b94e6":2547,"es-blog-article-more-articles-313488736":4410},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":891,"full_slug":892,"sort_by_date":47,"position":893,"tag_list":894,"is_startpage":30,"parent_id":895,"meta_data":47,"group_id":896,"first_published_at":897,"release_id":47,"lang":60,"path":47,"alternates":898,"default_full_slug":899,"translated_slugs":900},"Qué es un controller financiero: el cargo y las claves de su eficacia","2023-05-25T11:06:16.252Z","2026-03-12T10:47:18.012Z","2026-08-11T08:34:14.853Z",313488736,"d8bde3c8-0c65-4d39-a912-da041d908598",{"_uid":11,"roles":12,"title":13,"author":14,"topics":70,"content":93,"category":847,"language":873,"component":860,"heroMedia":874,"sidebarCta":882,"publishedAt":24,"readingTime":883,"redirectUrl":24,"listingImage":884,"metaDescription":890},"ae327816-261c-4a33-9053-1fd1210ccfbf",[],"¿Qué es un controller financiero? Su responsabilidad y las claves de su eficacia",{"name":15,"created_at":16,"published_at":6,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":53,"full_slug":54,"sort_by_date":47,"position":55,"tag_list":56,"is_startpage":30,"parent_id":57,"meta_data":47,"group_id":58,"first_published_at":59,"release_id":47,"lang":60,"path":47,"alternates":61,"default_full_slug":62,"translated_slugs":63,"_stopResolving":69},"Spendesk","2022-10-19T17:36:24.519Z","2026-03-12T10:47:20.246Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"_uid":21,"name":15,"links":22,"picture":37,"lastName":39,"component":40,"firstName":15,"description":41},"89813b57-3ec3-4169-890b-393e41c6d7ea",[23],{"tag":24,"_uid":25,"icon":26,"link":31,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"","792703e5-f28a-4cbb-882c-a50a48656953",{"id":27,"alt":24,"name":24,"focus":24,"title":24,"filename":28,"copyright":24,"fieldtype":29,"is_external_url":30},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":24,"url":32,"linktype":33,"fieldtype":34,"cached_url":32},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":38,"name":24,"focus":24,"title":24,"filename":38,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":42,"content":43},"doc",[44],{"type":45,"attrs":46,"content":49},"paragraph",{"textAlign":47,"key":48},null,"p-0",[50],{"text":51,"type":52},"Spendesk tiene un objetivo: eliminar las molestias de gastar en el trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z","es",[],"blog/author/spendesk",[64,66,68],{"path":62,"name":47,"lang":65,"published":47},"fr",{"path":62,"name":47,"lang":67,"published":47},"de",{"path":62,"name":47,"lang":60,"published":47},true,[71],{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":77,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":83,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":87,"default_full_slug":88,"translated_slugs":89,"_stopResolving":69},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":78,"name":72,"component":79},"a2c58a16-f495-475f-951f-05171468aae4","tag","equipos-financieros","es/blog/topic/equipos-financieros",-530,[],176456153,"37251365-a886-4869-8f3b-1976331cbcf4","2022-11-02T15:24:39.815Z",[],"blog/topic/equipos-financieros",[90,91,92],{"path":88,"name":47,"lang":65,"published":47},{"path":88,"name":47,"lang":67,"published":47},{"path":88,"name":47,"lang":60,"published":47},{"type":42,"content":94},[95,104,111,118,125,137,144,177,184,233,262,269,278,285,292,313,322,329,336,346,353,362,369,376,385,392,399,426,433,454,461,470,477,484,493,500,507,514,521,530,548,555,562,571,578,667,694,701,710,717,755,762,775,796,803,810,819,826,833,840],{"type":45,"content":96},[97],{"text":98,"type":52,"marks":99},"El control financiero suele ser una de las funciones dentro de la empresa que más cuesta definir. Y es que está entre la contabilidad pura y dura, la estrategia financiera y el liderazgo.",[100],{"type":101,"attrs":102},"textStyle",{"color":103},"rgb(0, 0, 0)",{"type":45,"content":105},[106],{"text":107,"type":52,"marks":108},"Aquí hay una figura clave: el controller (o controlador) financiero. Este profesional debe prestar mucha atención a los detalles, pero también, debe tener una visión completa. Su misión es garantizar la precisión, pero también mejorar la eficacia, dos objetivos que a menudo están enfrentados.",[109],{"type":101,"attrs":110},{"color":103},{"type":45,"content":112},[113],{"text":114,"type":52,"marks":115},"Este puesto clave en las finanzas está evolucionando, al igual que con la mayoría de las descripciones de estos trabajos más modernos. Las empresas exigen una visión más estratégica que antes, y muchos controllers financieros van en esa dirección.",[116],{"type":101,"attrs":117},{"color":103},{"type":45,"content":119},[120],{"text":121,"type":52,"marks":122},"Con todo esto en mente, veamos en profundidad la importancia del controller financiero en tu empresa, además de sus responsabilidades y objetivos. Pero primero definamos qué es exactamente.",[123],{"type":101,"attrs":124},{"color":103},{"type":126,"attrs":127,"content":129},"heading",{"level":128},2,[130],{"text":131,"type":52,"marks":132},"Qué es un controller financiero ",[133,135],{"type":134},"bold",{"type":101,"attrs":136},{"color":103},{"type":45,"content":138},[139],{"text":140,"type":52,"marks":141},"Básicamente, es el contable jefe de una empresa. Supervisa la contabilidad y se asegura de que los libros contables reflejen con exactitud el dinero que entra y sale en la organización. También influyen en la toma de decisiones, las previsiones y la elaboración de presupuestos basándose en los datos contables.",[142],{"type":101,"attrs":143},{"color":103},{"type":45,"content":145},[146,161,166,172],{"text":147,"type":52,"marks":148},"The Strategic CFO",[149,154,156,159],{"type":150,"attrs":151},"link",{"href":152,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://strategiccfo.com/controller-vs-cfo/","_blank",{"type":155},"italic",{"type":101,"attrs":157},{"color":158},"rgb(17, 85, 204)",{"type":160},"underline",{"text":162,"type":52,"marks":163}," añade: “Un controller es responsable de la contabilidad y de mantener los registros de una organización. Otras responsabilidades pueden incluir la gestión de las tecnologías de la información, los seguros, los informes de impuestos sobre las ventas, los informes de impuestos sobre la renta, las auditorías externas y los recursos humanos. En esencia, son responsables del cumplimiento financiero y normativo de la empresa. Piensa en los controllers como los ",[164],{"type":101,"attrs":165},{"color":103},{"text":167,"type":52,"marks":168},"historiadores ",[169,170],{"type":155},{"type":101,"attrs":171},{"color":103},{"text":173,"type":52,"marks":174},"de la empresa”. ",[175],{"type":101,"attrs":176},{"color":103},{"type":45,"content":178},[179],{"text":180,"type":52,"marks":181},"Sus responsabilidades suelen incluir:",[182],{"type":101,"attrs":183},{"color":103},{"type":185,"content":186},"bullet_list",[187,197,206,215,224],{"type":188,"content":189},"list_item",[190],{"type":45,"content":191},[192],{"text":193,"type":52,"marks":194},"Supervisar la contabilidad a nivel general.",[195],{"type":101,"attrs":196},{"color":103},{"type":188,"content":198},[199],{"type":45,"content":200},[201],{"text":202,"type":52,"marks":203},"Crear políticas internas y controlar los gastos.",[204],{"type":101,"attrs":205},{"color":103},{"type":188,"content":207},[208],{"type":45,"content":209},[210],{"text":211,"type":52,"marks":212},"Coordinar a los gestores fiscales externos.",[213],{"type":101,"attrs":214},{"color":103},{"type":188,"content":216},[217],{"type":45,"content":218},[219],{"text":220,"type":52,"marks":221},"Abrir cuentas bancarias.",[222],{"type":101,"attrs":223},{"color":103},{"type":188,"content":225},[226],{"type":45,"content":227},[228],{"text":229,"type":52,"marks":230},"Asegurarse de que se reciban los pagos de los clientes y otros acreedores.",[231],{"type":101,"attrs":232},{"color":103},{"type":45,"content":234},[235,240,257],{"text":236,"type":52,"marks":237},"En algunos casos, además, podrían involucrarse en la gestión de proyectos. En los departamentos de finanzas más modestos, el controlador financiero puede ser también el jefe de Finanzas o el ",[238],{"type":101,"attrs":239},{"color":103},{"text":241,"type":52,"marks":242},"director financiero (CFO)",[243,255],{"type":150,"attrs":244},{"href":245,"uuid":246,"anchor":47,"target":247,"linktype":248,"story":249},"/blog/cfo-significado","243f4acd-d1a6-408e-aa56-8dd4f9e62f89","_self","story",{"name":250,"id":251,"uuid":246,"slug":252,"url":253,"full_slug":254,"_stopResolving":69},"CFO significado: ¿Maestro de las cifras o estratega?",329616834,"cfo-significado","blog/cfo-significado","es/blog/cfo-significado",{"type":101,"attrs":256},{"color":103},{"text":258,"type":52,"marks":259},". Tienen que gestionar estos dos aspectos de “control”, así como crear informes financieros, elaborar presupuestos y planificar el gasto de la empresa.",[260],{"type":101,"attrs":261},{"color":103},{"type":45,"content":263},[264],{"text":265,"type":52,"marks":266},"Cuando una empresa busca un controller financiero, el campo de acción de su cargo puede variar bastante.",[267],{"type":101,"attrs":268},{"color":103},{"type":126,"attrs":270,"content":271},{"level":128},[272],{"text":273,"type":52,"marks":274},"Descripción del puesto de controlador financiero",[275,276],{"type":134},{"type":101,"attrs":277},{"color":103},{"type":45,"content":279},[280],{"text":281,"type":52,"marks":282},"El controller financiero es un responsable de alto nivel en el equipo financiero. Por eso, normalmente se espera que tengan una amplia experiencia en contabilidad y fiscalidad, además de saber asesorar a otros y asumir la responsabilidad de los registros contables.",[283],{"type":101,"attrs":284},{"color":103},{"type":45,"content":286},[287],{"text":288,"type":52,"marks":289},"Esto no es solo que se le den bien los números; además, deben ser capaces de autogestionarse y de convencer al resto de la empresa para que sigan sus políticas y procedimientos.",[290],{"type":101,"attrs":291},{"color":103},{"type":45,"content":293},[294,299,308],{"text":295,"type":52,"marks":296},"Según ",[297],{"type":101,"attrs":298},{"color":103},{"text":300,"type":52,"marks":301},"Randstad",[302,305,307],{"type":150,"attrs":303},{"href":304,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://www.randstad.co.uk/career-advice/job-profiles/what-does-a-financial-controller-do/",{"type":101,"attrs":306},{"color":158},{"type":160},{"text":309,"type":52,"marks":310},": “Al ser el punto de unión entre el departamento financiero y todo el equipo directivo, debes ser un buen comunicador y comprender el negocio en su totalidad, no solo los entresijos de tu propio departamento. Esto significa que un controller financiero necesita grandes dotes de liderazgo, facilidad para las relaciones sociales y algo más que un toque carisma. La necesidad de trabajar en equipo significa que los controllers deben desempeñar su cargo dentro de todo el entorno empresarial. Las llamadas ‘soft skills’ (habilidades blandas) son tan importantes como los números en sí”.",[311],{"type":101,"attrs":312},{"color":103},{"type":126,"attrs":314,"content":315},{"level":128},[316],{"text":317,"type":52,"marks":318},"Diferencias entre el control financiero y la contabilidad",[319,320],{"type":134},{"type":101,"attrs":321},{"color":103},{"type":45,"content":323},[324],{"text":325,"type":52,"marks":326},"Como ya hemos comentado, el controlador participa estrechamente en el proceso contable de la empresa. Y, en muchos casos, llevará a cabo gran parte de la contabilidad diaria.",[327],{"type":101,"attrs":328},{"color":103},{"type":45,"content":330},[331],{"text":332,"type":52,"marks":333},"En las empresas más grandes, no obstante, hay una clara diferencia entre los dos.",[334],{"type":101,"attrs":335},{"color":103},{"type":126,"attrs":337,"content":339},{"level":338},3,[340],{"text":341,"type":52,"marks":342},"Contabilidad ",[343,344],{"type":134},{"type":101,"attrs":345},{"color":103},{"type":45,"content":347},[348],{"text":349,"type":52,"marks":350},"El objetivo de la contabilidad es registrar los datos de las transacciones de la empresa. Esto incluye el dinero que entra y sale de la empresa. Por lo tanto, los contables se ocupan principalmente de registrar las cifras con precisión y de la forma más ordenada posible.",[351],{"type":101,"attrs":352},{"color":103},{"type":126,"attrs":354,"content":355},{"level":338},[356],{"text":357,"type":52,"marks":358},"Control de las finanzas ",[359,360],{"type":134},{"type":101,"attrs":361},{"color":103},{"type":45,"content":363},[364],{"text":365,"type":52,"marks":366},"El control financiero se ocupa no solo de garantizar que los datos registrados sean exactos, estén a tiempo y se cumplan las normas establecidas por la organización. Cuando hay una anomalía en los registros, el controlador debe detectarla, averiguar qué ha pasado y hacer un seguimiento con las partes implicadas. El ejemplo más obvio son los gastos: el controller financiero suele encargarse de crear una política de gastos y responsabilizar de ella a los demás.",[367],{"type":101,"attrs":368},{"color":103},{"type":45,"content":370},[371],{"text":372,"type":52,"marks":373},"Tanto los responsables de contabilidad como los de control financiero participan en el proceso de cierre financiero, que consiste en cuadrar las cuentas al final de cada ejercicio fiscal para empezar de cero el siguiente.",[374],{"type":101,"attrs":375},{"color":103},{"type":126,"attrs":377,"content":378},{"level":128},[379],{"text":380,"type":52,"marks":381},"Diferencias entre el controller y el director financiero (CFO) ",[382,383],{"type":134},{"type":101,"attrs":384},{"color":103},{"type":45,"content":386},[387],{"text":388,"type":52,"marks":389},"Como se comentó antes, en las empresas pequeñas y medianas, con frecuencia el controller financiero y el director financiero son la misma persona.",[390],{"type":101,"attrs":391},{"color":103},{"type":45,"content":393},[394],{"text":395,"type":52,"marks":396},"El Director Financiero es a la vez el líder del equipo financiero y un miembro de la dirección ejecutiva. Por un lado, tiene que asegurarse de que el equipo financiero funciona bien y de que todo el mundo hace todo el trabajo detallado. Por otro, tiene que tomar decisiones estratégicas para ayudar a la empresa a alcanzar su potencial. Esto puede incluir trabajar mano a mano con el Consejero Delegado y presentar informes al consejo de administración.",[397],{"type":101,"attrs":398},{"color":103},{"type":45,"content":400},[401,406,421],{"text":402,"type":52,"marks":403},"Por esta razón, el Director Financiero no es necesariamente un experto en contabilidad. Puede proceder de una consultoría o de un entorno empresarial y ser más experto en cuestiones de eficiencia o ",[404],{"type":101,"attrs":405},{"color":103},{"text":407,"type":52,"marks":408},"planificación financiera",[409,419],{"type":150,"attrs":410},{"href":411,"uuid":412,"anchor":47,"target":247,"linktype":248,"story":413},"/blog/plan-financiero-empresarial","41d83e75-9416-4b27-a112-9c859b4dc976",{"name":414,"id":415,"uuid":412,"slug":416,"url":417,"full_slug":418,"_stopResolving":69},"9 ventajas clave del plan financiero empresarial",305560319,"plan-financiero-empresarial","blog/plan-financiero-empresarial","es/blog/plan-financiero-empresarial",{"type":101,"attrs":420},{"color":103},{"text":422,"type":52,"marks":423},".",[424],{"type":101,"attrs":425},{"color":103},{"type":45,"content":427},[428],{"text":429,"type":52,"marks":430},"Pero el controller financiero tiene que ser un experto en contabilidad. Si no es capaz de detectar rápidamente problemas fiscales o de saldo en un libro mayor, no será eficaz en su puesto. Y lo que es más importante, tiene que ser capaz de identificar a los técnicos adecuados para que hagan la mayor parte de este trabajo por él.",[431],{"type":101,"attrs":432},{"color":103},{"type":45,"content":434},[435,440,449],{"text":436,"type":52,"marks":437},"Esta cita de un ",[438],{"type":101,"attrs":439},{"color":103},{"text":441,"type":52,"marks":442},"informe de EY",[443,446,448],{"type":150,"attrs":444},{"href":445,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://www.criticaleye.com/inspiring/insights-servfile.cfm?id=301",{"type":101,"attrs":447},{"color":158},{"type":160},{"text":450,"type":52,"marks":451}," resume bien la relación:",[452],{"type":101,"attrs":453},{"color":103},{"type":45,"content":455},[456],{"text":457,"type":52,"marks":458},"\"La diferencia entre el CFO y el controller es que el interventor es más como el director de operaciones financieras. Se asegura de que todo funcione bien, de que no haya sorpresas y de que las auditorías sean buenas. El CFO se mantiene al tanto de los números, pero tiene un gran enfoque externo en el posicionamiento de la empresa ante nuestros inversores\".",[459],{"type":101,"attrs":460},{"color":103},{"type":126,"attrs":462,"content":463},{"level":128},[464],{"text":465,"type":52,"marks":466},"Las claves de un control financiero eficaz ",[467,468],{"type":134},{"type":101,"attrs":469},{"color":103},{"type":45,"content":471},[472],{"text":473,"type":52,"marks":474},"No basta con conocer el puesto de controller financiero. Hay formas claras de ser más eficiente y eficaz en este puesto, y de pasar de ser un mero encargado del tratamiento de datos a un socio empresarial de confianza.",[475],{"type":101,"attrs":476},{"color":103},{"type":45,"content":478},[479],{"text":480,"type":52,"marks":481},"Aquí tienes algunas claves para lograrlo.",[482],{"type":101,"attrs":483},{"color":103},{"type":126,"attrs":485,"content":486},{"level":338},[487],{"text":488,"type":52,"marks":489},"Debes automatizar ",[490,491],{"type":134},{"type":101,"attrs":492},{"color":103},{"type":45,"content":494},[495],{"text":496,"type":52,"marks":497},"Como todo contable sabe, registrar las transacciones exige introducir a mano muchos datos. Y no solo la primera vez: si se descubren errores a última hora del día obligan a volver atrás y reintroducir muchos datos.",[498],{"type":101,"attrs":499},{"color":103},{"type":45,"content":501},[502],{"text":503,"type":52,"marks":504},"Como todo contable sabe, el registro de las transacciones financieras sigue requiriendo la introducción manual de muchos datos. Y no sólo la primera vez: los errores descubiertos a última hora del día obligan a volver atrás y reintroducir muchos de los datos que ya se han tratado.",[505],{"type":101,"attrs":506},{"color":103},{"type":45,"content":508},[509],{"text":510,"type":52,"marks":511},"En muchos casos, esto es totalmente innecesario. De hecho, la mayoría de los datos de las transacciones pueden introducirse y copiarse en todos los sistemas sin intervención humana.",[512],{"type":101,"attrs":513},{"color":103},{"type":45,"content":515},[516],{"text":517,"type":52,"marks":518},"Al menos, hay que asegurarse de no introducir los datos más de una vez. Si utilizas varios sistemas -procesamiento de facturas, gestión de gastos y compras, por ejemplo-, todos deberían comunicarse con tus programas de contabilidad y tu CRM. La información debe estar actualizada en todos ellos y no debe depender de ti ni de tu equipo.",[519],{"type":101,"attrs":520},{"color":103},{"type":126,"attrs":522,"content":523},{"level":338},[524],{"text":525,"type":52,"marks":526},"Fomenta una comunicación clara",[527,528],{"type":134},{"type":101,"attrs":529},{"color":103},{"type":45,"content":531},[532,537,543],{"text":533,"type":52,"marks":534},"Según el informe de EY, ",[535],{"type":101,"attrs":536},{"color":103},{"text":538,"type":52,"marks":539},"la mayor brecha entre la importancia y el rendimiento de los controllers financieros (según ellos mismos) es la comunicación",[540,541],{"type":134},{"type":101,"attrs":542},{"color":103},{"text":544,"type":52,"marks":545},". Los directores financieros encuestados consideran que las habilidades de comunicación son increíblemente importantes y que su rendimiento en esta área es insuficiente. Le siguen las habilidades de liderazgo y aptitudes de técnicas contables.",[546],{"type":101,"attrs":547},{"color":103},{"type":45,"content":549},[550],{"text":551,"type":52,"marks":552},"Por supuesto, esto implica comunicación dentro del equipo y con los empleados a su cargo. Pero la comunicación con el resto de la empresa es un área en la que siempre hay que trabajar. El departamento financiero depende de otros (ventas, marketing y compras, entre otros) para seguir las políticas y obtener datos útiles.",[553],{"type":101,"attrs":554},{"color":103},{"type":45,"content":556},[557],{"text":558,"type":52,"marks":559},"El gran reto aquí es ayudar a los demás a entender por qué los datos de calidad son tan valiosos, y es necesario establecer canales de comunicación eficientes para transmitirlo. Muchos responsables financieros siguen sin entender que el hecho de que una política esté escrita en algún sitio no significa que los demás vayan a seguirla.",[560],{"type":101,"attrs":561},{"color":103},{"type":126,"attrs":563,"content":564},{"level":338},[565],{"text":566,"type":52,"marks":567},"Dales autonomía a otros departamentos ",[568,569],{"type":134},{"type":101,"attrs":570},{"color":103},{"type":45,"content":572},[573],{"text":574,"type":52,"marks":575},"Otro problema importante de muchos procesos en el área de las finanzas es que tienden a depender del departamento financiero en todo momento. Por ejemplo, eso pasa con las facturas. En una empresa típica, se parece un poco a esto:",[576],{"type":101,"attrs":577},{"color":103},{"type":185,"content":579},[580,589,613,622,631,640,649,658],{"type":188,"content":581},[582],{"type":45,"content":583},[584],{"text":585,"type":52,"marks":586},"Un empleado recibe el servicio de un proveedor (una asesoría, por ejemplo).",[587],{"type":101,"attrs":588},{"color":103},{"type":188,"content":590},[591],{"type":45,"content":592},[593,608],{"text":594,"type":52,"marks":595},"El proveedor emite una factura",[596,606],{"type":150,"attrs":597},{"href":598,"uuid":599,"anchor":47,"target":247,"linktype":248,"story":600},"/blog/facturas-proveedores","875471c4-66aa-431b-8ad6-3a683c60ff9d",{"name":601,"id":602,"uuid":599,"slug":603,"url":604,"full_slug":605,"_stopResolving":69},"Proceso de tramitación de facturas de proveedores: ¡hazlo más eficaz!",300720534,"facturas-proveedores","blog/facturas-proveedores","es/blog/facturas-proveedores",{"type":101,"attrs":607},{"color":103},{"text":609,"type":52,"marks":610}," y la envía al empleado.",[611],{"type":101,"attrs":612},{"color":103},{"type":188,"content":614},[615],{"type":45,"content":616},[617],{"text":618,"type":52,"marks":619},"El empleado la envía a su jefe para que la apruebe.",[620],{"type":101,"attrs":621},{"color":103},{"type":188,"content":623},[624],{"type":45,"content":625},[626],{"text":627,"type":52,"marks":628},"El jefe aprueba la factura.",[629],{"type":101,"attrs":630},{"color":103},{"type":188,"content":632},[633],{"type":45,"content":634},[635],{"text":636,"type":52,"marks":637},"El empleado envía la factura al equipo financiero.",[638],{"type":101,"attrs":639},{"color":103},{"type":188,"content":641},[642],{"type":45,"content":643},[644],{"text":645,"type":52,"marks":646},"Un miembro del equipo financiero tiene que extraer la información clave de la factura, introducirla en una herramienta (o en un Excel) y guardarla en el lugar adecuado.",[647],{"type":101,"attrs":648},{"color":103},{"type":188,"content":650},[651],{"type":45,"content":652},[653],{"text":654,"type":52,"marks":655},"La factura se paga posteriormente como parte del ciclo normal.",[656],{"type":101,"attrs":657},{"color":103},{"type":188,"content":659},[660],{"type":45,"content":661},[662],{"text":663,"type":52,"marks":664},"A continuación, los contables tienen que cotejar la factura con los pagos realizados por la empresa para cerrar los libros.",[665],{"type":101,"attrs":666},{"color":103},{"type":45,"content":668},[669,674,689],{"text":670,"type":52,"marks":671},"Supongamos, en cambio, que el empleado pudiera recibir la factura e introducirla él mismo en una herramienta de procesamiento de facturas o de ",[672],{"type":101,"attrs":673},{"color":103},{"text":675,"type":52,"marks":676},"gestión de gastos",[677,687],{"type":150,"attrs":678},{"href":679,"uuid":680,"anchor":47,"target":247,"linktype":248,"story":681},"/blog/gestion-de-gastos","42c0dbd0-9303-4e28-b598-a4f52cd70865",{"name":682,"id":683,"uuid":680,"slug":684,"url":685,"full_slug":686,"_stopResolving":69}," Todo lo que debes saber para gestionar mejor los gastos de empresa",290893276,"gestion-de-gastos","blog/gestion-de-gastos","es/blog/gestion-de-gastos",{"type":101,"attrs":688},{"color":103},{"text":690,"type":52,"marks":691},". No hay que enviar correos electrónicos, el gestor puede aprobar la factura directamente en la aplicación y el equipo financiero no tiene que introducir los datos para nada, hasta llegar a contabilidad.",[692],{"type":101,"attrs":693},{"color":103},{"type":45,"content":695},[696],{"text":697,"type":52,"marks":698},"Y lo que es aún mejor, los empleados aprenden a crear y procesar una factura válida. Esto evita que se repitan los problemas una y otra vez.",[699],{"type":101,"attrs":700},{"color":103},{"type":126,"attrs":702,"content":703},{"level":338},[704],{"text":705,"type":52,"marks":706},"Ser estratega y promotor frente a administrador y operador ",[707,708],{"type":134},{"type":101,"attrs":709},{"color":103},{"type":45,"content":711},[712],{"text":713,"type":52,"marks":714},"Un informe interesante de IMA y Deloitte especifica en detalle el papel del controller. Los autores describen la función típica del controller en cuatro categorías principales:",[715],{"type":101,"attrs":716},{"color":103},{"type":185,"content":718},[719,728,737,746],{"type":188,"content":720},[721],{"type":45,"content":722},[723],{"text":724,"type":52,"marks":725},"Administrador: gestiona el riesgo y preserva los activos.",[726],{"type":101,"attrs":727},{"color":103},{"type":188,"content":729},[730],{"type":45,"content":731},[732],{"text":733,"type":52,"marks":734},"Operador: mantiene las operaciones financieras eficientes y eficaces.",[735],{"type":101,"attrs":736},{"color":103},{"type":188,"content":738},[739],{"type":45,"content":740},[741],{"text":742,"type":52,"marks":743},"Estratega: da forma al futuro de la empresa.",[744],{"type":101,"attrs":745},{"color":103},{"type":188,"content":747},[748],{"type":45,"content":749},[750],{"text":751,"type":52,"marks":752},"Promotor: ayuda a impulsar la ejecución.",[753],{"type":101,"attrs":754},{"color":103},{"type":45,"content":756},[757],{"text":758,"type":52,"marks":759},"La mayoría de los controllers desempeñan estas cuatro funciones. Pero, según el informe, la mayoría cree que dedica demasiado tiempo a las dos primeras, las funciones más tradicionales:",[760],{"type":101,"attrs":761},{"color":103},{"type":763,"attrs":764},"blok",{"id":765,"body":766},"2a62f427-0a38-40c3-b8cb-0635e4ef025f",[767],{"_uid":768,"type":24,"asset":769,"shadow":30,"caption":24,"overlay":773,"component":774},"i-6a8ab9da-4471-488e-baf6-f9df3fea8a3f",{"id":770,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":771,"copyright":24,"fieldtype":29,"meta_data":772,"is_external_url":30},9559454,"https://a.storyblok.com/f/146026/1022x505/d6997762cf/financial-controller-role.webp",{},[],"image",{"type":45,"content":776},[777,782,791],{"text":778,"type":52,"marks":779},"Fuente de la imagen: ",[780],{"type":101,"attrs":781},{"color":103},{"text":783,"type":52,"marks":784},"Stepping Outside the Box: Elevating the Role of the Controller",[785,788,790],{"type":150,"attrs":786},{"href":787,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://www.imanet.org/insights-and-trends/business-leadership-and-ethics/stepping-outside-the-box-elevating-the-role-of-the-controller?ssopc=1",{"type":101,"attrs":789},{"color":158},{"type":160},{"text":792,"type":52,"marks":793}," (IMA / Deloitte)",[794],{"type":101,"attrs":795},{"color":103},{"type":45,"content":797},[798],{"text":799,"type":52,"marks":800},"La razón más sencilla por la que la mayoría de los controllers financieros no se consideran \"controllers estratégicos\" es que no se menciona explícitamente en la descripción de sus funciones. Los directores financieros se encargan de la estrategia, y los controladores, de controlar.",[801],{"type":101,"attrs":802},{"color":103},{"type":45,"content":804},[805],{"text":806,"type":52,"marks":807},"Por lo tanto, la mejor forma de hacer que la función de controlador financiero sea más estratégica es incluirla en la descripción del puesto. Haz que la estrategia sea una de las características del controller financiero, ya seas tú o la persona que quieras contratar.",[808],{"type":101,"attrs":809},{"color":103},{"type":126,"attrs":811,"content":812},{"level":128},[813],{"text":814,"type":52,"marks":815},"Gestión del gasto para controllers financieros",[816,817],{"type":134},{"type":101,"attrs":818},{"color":103},{"type":45,"content":820},[821],{"text":822,"type":52,"marks":823},"Como hemos visto, gestionar los gastos de la empresa es un objetivo fundamental para la mayoría de los controllers financieros. Pero los gastos son la principal causa de un proceso de cierre financiero engorroso.",[824],{"type":101,"attrs":825},{"color":103},{"type":45,"content":827},[828],{"text":829,"type":52,"marks":830},"¿Cuál es la razón? Tener muy poca visibilidad de los gastos de la empresa y datos mal formateados desde el principio. Si se espera hasta el final del proceso para ver lo que se ha gastado, siempre se encontrarán \"sorpresas\" frustrantes y que consumen mucho tiempo cada mes.",[831],{"type":101,"attrs":832},{"color":103},{"type":45,"content":834},[835],{"text":836,"type":52,"marks":837},"En su lugar, la mejor práctica consiste en disponer de un sistema integrado de gestión de gastos que permita ver lo que se gasta en tiempo real. En vez de esperar a que lleguen las reclamaciones de gastos a final de mes, los empleados las presentan directamente desde la cafetería, mientras toman su café. No tienes que estudiar minuciosamente los extractos de las tarjetas de crédito, ya que dispones de un panel de control con cada pago y la persona que lo ha realizado.",[838],{"type":101,"attrs":839},{"color":103},{"type":45,"content":841},[842],{"text":843,"type":52,"marks":844},"Para los contables y controllers, esto cambia las cosas. Un proceso que antes costaba varios días al mes se reduce a unos minutos.",[845],{"type":101,"attrs":846},{"color":103},{"name":848,"created_at":849,"published_at":6,"updated_at":850,"id":851,"uuid":852,"content":853,"slug":860,"full_slug":861,"sort_by_date":47,"position":862,"tag_list":863,"is_startpage":30,"parent_id":864,"meta_data":47,"group_id":865,"first_published_at":866,"release_id":47,"lang":60,"path":47,"alternates":867,"default_full_slug":868,"translated_slugs":869,"_stopResolving":69},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":854,"icon":855,"name":848,"component":859},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":856,"alt":857,"name":24,"focus":24,"title":24,"filename":858,"copyright":24,"fieldtype":29,"is_external_url":30},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[870,871,872],{"path":868,"name":47,"lang":65,"published":47},{"path":868,"name":47,"lang":67,"published":47},{"path":868,"name":47,"lang":60,"published":47},[60],[875],{"_uid":876,"type":24,"asset":877,"shadow":30,"caption":24,"overlay":881,"component":774},"5558560d-11df-4ffb-a046-a4094bc22264",{"id":878,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":879,"copyright":24,"fieldtype":29,"meta_data":880,"is_external_url":30},9463964,"https://a.storyblok.com/f/146026/1190x670/3feab46e3c/controller-financiero.png",{},[],[],"7",[885],{"_uid":886,"type":24,"asset":887,"shadow":30,"caption":24,"overlay":889,"component":774},"74f3e6e1-df89-496b-8812-7a0fe6458f26",{"id":878,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":879,"copyright":24,"fieldtype":29,"meta_data":888,"is_external_url":30},{},[],"¿Sabes qué es un controller financiero? ¿En qué se diferencia de un director financiero? 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2393,2394],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2396],{"cta":2397,"_uid":2398,"items":2399,"heading":2522,"reverse":30,"component":2543,"sectionSettings":2544},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2400,2465],{"_uid":2401,"title":2402,"component":2403,"description":2404},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?","faqItem",{"type":42,"content":2405},[2406,2411,2441,2447,2453,2459],{"type":45,"attrs":2407,"content":2408},{"textAlign":47,"key":48},[2409],{"text":2410,"type":52},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":2412,"attrs":2413,"content":2416},"ordered_list",{"order":2414,"key":2415},1,"ol-0",[2417,2425,2433],{"type":188,"content":2418},[2419],{"type":45,"attrs":2420,"content":2422},{"textAlign":47,"key":2421},"p-1",[2423],{"text":2424,"type":52},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":188,"content":2426},[2427],{"type":45,"attrs":2428,"content":2430},{"textAlign":47,"key":2429},"p-2",[2431],{"text":2432,"type":52},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":188,"content":2434},[2435],{"type":45,"attrs":2436,"content":2438},{"textAlign":47,"key":2437},"p-3",[2439],{"text":2440,"type":52},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":45,"attrs":2442,"content":2444},{"textAlign":47,"key":2443},"p-4",[2445],{"text":2446,"type":52},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":45,"attrs":2448,"content":2450},{"textAlign":47,"key":2449},"p-5",[2451],{"text":2452,"type":52},"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":45,"attrs":2454,"content":2456},{"textAlign":47,"key":2455},"p-6",[2457],{"text":2458,"type":52},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":45,"attrs":2460,"content":2462},{"textAlign":47,"key":2461},"p-7",[2463],{"text":2464,"type":52},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2466,"title":2467,"component":2403,"description":2468},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":42,"content":2469},[2470,2475,2487,2492,2502,2507,2512,2517],{"type":45,"attrs":2471,"content":2472},{"textAlign":47,"key":48},[2473],{"text":2474,"type":52},"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":45,"attrs":2476,"content":2477},{"textAlign":47,"key":2421},[2478,2482,2485],{"text":2479,"type":52,"marks":2480},"Para los empleados",[2481],{"type":134},{"type":2319,"marks":2483},[2484],{"type":134},{"text":2486,"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":2488,"content":2489},{"textAlign":47,"key":2429},[2490],{"text":2491,"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":2493,"content":2494},{"textAlign":47,"key":2437},[2495,2499,2500],{"text":2496,"type":52,"marks":2497},"Para los equipos financieros",[2498],{"type":134},{"type":2319},{"text":2501,"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":2503,"content":2504},{"textAlign":47,"key":2443},[2505],{"text":2506,"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":2508,"content":2509},{"textAlign":47,"key":2449},[2510],{"text":2511,"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":2513,"content":2514},{"textAlign":47,"key":2455},[2515],{"text":2516,"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":2518,"content":2519},{"textAlign":47,"key":2461},[2520],{"text":2521,"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.",[2523],{"cta":2524,"_uid":2525,"title":2526,"eyebrow":2533,"subtitle":2536,"component":126,"textAlign":24,"sectionSettings":2542,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":42,"content":2527},[2528],{"type":126,"attrs":2529,"content":2530},{"level":128},[2531],{"text":2532,"type":52},"Empezar con Spendesk",{"type":42,"content":2534},[2535],{"type":45},{"type":42,"content":2537},[2538],{"type":45,"content":2539},[2540],{"text":2541,"type":52},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],"faqSection",[],"Otros artículos","Enlaces rápidos",[2548,2688,2818,2947,3091,3244,3381,3557,3695,3829,3943,4028,4105,4225,4281],{"name":2549,"created_at":2550,"published_at":2551,"updated_at":2552,"id":2553,"uuid":2554,"content":2555,"slug":2676,"full_slug":2677,"sort_by_date":47,"position":2678,"tag_list":2679,"is_startpage":30,"parent_id":895,"meta_data":47,"group_id":2680,"first_published_at":2681,"release_id":47,"lang":60,"path":47,"alternates":2682,"default_full_slug":2683,"translated_slugs":2684},"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":2556,"title":2549,"topics":2557,"noIndex":30,"category":2566,"language":2575,"component":860,"heroMedia":2576,"metaTitle":2577,"publishedAt":2578,"readingTime":2579,"redirectUrl":24,"listingImage":2580,"metaDescription":2587,"bottomArticleCta":2588,"componentsAfterTheArticle":2589},"a6908dcc-aa94-4298-8df2-3a036e19fee3",[2558],{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":2559,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":2560,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":2561,"default_full_slug":88,"translated_slugs":2562,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[2563,2564,2565],{"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":848,"created_at":849,"published_at":6,"updated_at":850,"id":851,"uuid":852,"content":2567,"slug":860,"full_slug":861,"sort_by_date":47,"position":862,"tag_list":2569,"is_startpage":30,"parent_id":864,"meta_data":47,"group_id":865,"first_published_at":866,"release_id":47,"lang":60,"path":47,"alternates":2570,"default_full_slug":868,"translated_slugs":2571,"_stopResolving":69},{"_uid":854,"icon":2568,"name":848,"component":859},{"id":856,"alt":857,"name":24,"focus":24,"title":24,"filename":858,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[2572,2573,2574],{"path":868,"name":47,"lang":65,"published":47},{"path":868,"name":47,"lang":67,"published":47},{"path":868,"name":47,"lang":60,"published":47},[60],[],"Homologación y portales de proveedores: guía práctica","2026-08-18 00:00","18",[2581],{"_uid":2582,"asset":2583,"caption":24,"component":774},"4696bec5-e373-4bf7-a572-57bee0d1290f",{"id":2584,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2585,"copyright":24,"fieldtype":29,"meta_data":2586,"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.",[],[2590],{"_uid":2591,"items":2592,"heading":2653,"component":2543},"03761e7c-8a3d-4a4b-9eea-d012fc737faf",[2593,2603,2613,2623,2633,2643],{"_uid":2594,"title":2595,"component":2403,"description":2596},"bf064850-af57-4614-b489-93360c87829d","¿Qué diferencia hay entre homologación y precalificación de proveedores?",{"type":42,"content":2597},[2598],{"type":45,"attrs":2599,"content":2600},{"textAlign":47},[2601],{"text":2602,"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":2604,"title":2605,"component":2403,"description":2606},"cf378fd2-4480-4154-a37a-265621902672","¿Con qué frecuencia hay que reevaluar a un proveedor?",{"type":42,"content":2607},[2608],{"type":45,"attrs":2609,"content":2610},{"textAlign":47},[2611],{"text":2612,"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":2614,"title":2615,"component":2403,"description":2616},"7f1e9200-5183-44a0-98bb-a1fd89492a3d","¿Qué KPI sirven para medir a un proveedor?",{"type":42,"content":2617},[2618],{"type":45,"attrs":2619,"content":2620},{"textAlign":47},[2621],{"text":2622,"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":2624,"title":2625,"component":2403,"description":2626},"b8321628-96f7-4f3e-a01e-d93dec724c28","¿Cuánto puede tardar dar de alta a un proveedor y cómo acortarlo?",{"type":42,"content":2627},[2628],{"type":45,"attrs":2629,"content":2630},{"textAlign":47},[2631],{"text":2632,"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":2634,"title":2635,"component":2403,"description":2636},"bbd9f873-37d2-47f3-98f8-1d611be753d4","¿Cómo puede Spendesk ayudar a mejorar el control de costes?",{"type":42,"content":2637},[2638],{"type":45,"attrs":2639,"content":2640},{"textAlign":47},[2641],{"text":2642,"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":2644,"title":2645,"component":2403,"description":2646},"8427c66e-c068-4401-85ab-a91acccec289","¿Puede Spendesk conectarse con mi software contable?",{"type":42,"content":2647},[2648],{"type":45,"attrs":2649,"content":2650},{"textAlign":47},[2651],{"text":2652,"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. 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Como base, suele ser útil registrar la denominación legal, el NIF, un contacto, el estado del proveedor y, cuando sea necesario para pagar, los datos bancarios y las condiciones de pago. Los campos concretos dependen de la entidad, el país, el tipo de operación y los controles internos.",{"_uid":2745,"title":2746,"component":2403,"description":2747},"fd9cad58-a254-4599-ab13-71cd1b53a876","¿Cuál es la diferencia entre denominación legal y nombre comercial?",{"type":42,"content":2748},[2749],{"type":45,"attrs":2750,"content":2751},{"textAlign":47},[2752],{"text":2753,"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":2755,"title":2756,"component":2403,"description":2757},"b89ecdfe-e537-40cc-84b4-8e8e5867c26b","¿Cuánto tiempo hay que conservar los datos de un proveedor?",{"type":42,"content":2758},[2759],{"type":45,"attrs":2760,"content":2761},{"textAlign":47},[2762],{"text":2763,"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":2765,"title":2766,"component":2403,"description":2767},"4363da7c-dff9-48e2-bd52-1f984495b285","¿Qué datos bancarios necesito para pagar a un proveedor?",{"type":42,"content":2768},[2769],{"type":45,"attrs":2770,"content":2771},{"textAlign":47},[2772],{"text":2773,"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. Ante un alta o cambio de datos bancarios, utiliza un canal independiente para verificar la información.",{"_uid":2775,"title":2776,"component":2403,"description":2777},"e25dca40-69e6-43e5-836f-90078c356ae9","¿Es mejor una ficha de proveedores en Excel o en un software?",{"type":42,"content":2778},[2779],{"type":45,"attrs":2780,"content":2781},{"textAlign":47},[2782],{"text":2783,"type":52},"Depende del número de usuarios, las entidades, el volumen de operaciones, la necesidad de permisos y el nivel de trazabilidad que requiera la empresa. Excel puede ser suficiente para procesos sencillos. Un sistema centralizado puede resultar más adecuado cuando se necesitan controles de acceso, historial de cambios, relación con pedidos y facturas, y un registro común para varios equipos.",[2785],{"cta":2786,"_uid":2787,"title":2788,"eyebrow":2794,"subtitle":2799,"component":126,"textAlign":24,"flexibleSection":2804,"sectionSettings":2805,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"75af5439-dd80-4e9f-bc5a-d09eb461476c",{"type":42,"content":2789},[2790],{"type":126,"attrs":2791,"content":2792},{"level":128,"textAlign":47},[2793],{"text":2663,"type":52},{"type":42,"content":2795},[2796],{"type":45,"attrs":2797,"content":2798},{"textAlign":47},[],{"type":42,"content":2800},[2801],{"type":45,"attrs":2802,"content":2803},{"textAlign":47},[],[],[],"ficha-de-proveedores","es/blog/ficha-de-proveedores",-2830,[],"9aadce39-90fd-4b77-adc3-a13bced00c54","2026-08-26T16:07:11.146Z",[],"blog/ficha-de-proveedores",[2815,2816,2817],{"path":2813,"name":47,"lang":65,"published":47},{"path":2813,"name":47,"lang":67,"published":47},{"path":2813,"name":47,"lang":60,"published":47},{"name":2819,"created_at":2820,"published_at":2821,"updated_at":2822,"id":2823,"uuid":2824,"content":2825,"slug":2935,"full_slug":2936,"sort_by_date":47,"position":2937,"tag_list":2938,"is_startpage":30,"parent_id":895,"meta_data":47,"group_id":2939,"first_published_at":2940,"release_id":47,"lang":60,"path":47,"alternates":2941,"default_full_slug":2942,"translated_slugs":2943},"Software de compras y de la compra al pago: cómo elegir una herramienta para equipos financieros","2026-08-26T15:56:38.607Z","2026-08-27T10:55:17.918Z","2026-08-27T10:55:17.939Z",213279533546748,"6fbe7e8d-99d9-4dc0-b9d4-f2b989c02a54",{"_uid":2826,"title":2819,"topics":2827,"noIndex":30,"category":2836,"language":2845,"component":860,"heroMedia":2846,"metaTitle":2847,"publishedAt":2848,"readingTime":2849,"redirectUrl":24,"listingImage":2850,"metaDescription":2857,"bottomArticleCta":2858,"componentsAfterTheArticle":2859},"344a3357-3ce2-4011-ab4d-5a1013736083",[2828],{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":2829,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":2830,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":2831,"default_full_slug":88,"translated_slugs":2832,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[2833,2834,2835],{"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":848,"created_at":849,"published_at":6,"updated_at":850,"id":851,"uuid":852,"content":2837,"slug":860,"full_slug":861,"sort_by_date":47,"position":862,"tag_list":2839,"is_startpage":30,"parent_id":864,"meta_data":47,"group_id":865,"first_published_at":866,"release_id":47,"lang":60,"path":47,"alternates":2840,"default_full_slug":868,"translated_slugs":2841,"_stopResolving":69},{"_uid":854,"icon":2838,"name":848,"component":859},{"id":856,"alt":857,"name":24,"focus":24,"title":24,"filename":858,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[2842,2843,2844],{"path":868,"name":47,"lang":65,"published":47},{"path":868,"name":47,"lang":67,"published":47},{"path":868,"name":47,"lang":60,"published":47},[60],[],"Software de compras y procure-to-pay: cómo elegir","2026-08-04 00:00","16",[2851],{"_uid":2852,"asset":2853,"caption":24,"component":774},"29b7ddcd-1df7-4516-b9a1-f5f6df1121f4",{"id":2854,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2855,"copyright":24,"fieldtype":29,"meta_data":2856,"is_external_url":30},213559290986096,"https://a.storyblok.com/f/146026/1536x1024/255fadd1fe/software-de-compras-procure-to-pay.png",{"size":2727},"El proceso de compras fragmentado genera sorpresas al cierre. Descubre cómo elegir un software que conecte solicitud, aprobación y pago en un único flujo.",[],[2860],{"_uid":2861,"items":2862,"heading":2913,"component":2543},"694060cd-7f73-4d21-964e-bfc3d015e288",[2863,2873,2883,2893,2903],{"_uid":2864,"title":2865,"component":2403,"description":2866},"20410847-1c86-448c-bf8d-5e5b9610fec4","¿Qué es el proceso de compras?",{"type":42,"content":2867},[2868],{"type":45,"attrs":2869,"content":2870},{"textAlign":47},[2871],{"text":2872,"type":52},"Es el conjunto de actividades que va desde la solicitud de un bien o servicio hasta su recepción, validación, contabilización y pago. El número de pasos varía según la organización, el tipo de compra y los controles internos.",{"_uid":2874,"title":2875,"component":2403,"description":2876},"956cf1c7-ea52-4e4c-86a9-1476d4a6c71a","¿En qué se diferencia el procure-to-pay de un ERP?",{"type":42,"content":2877},[2878],{"type":45,"attrs":2879,"content":2880},{"textAlign":47},[2881],{"text":2882,"type":52},"El ERP gestiona la contabilidad general y otros módulos de negocio. El procure-to-pay se centra en conectar la solicitud, la aprobación, el pedido, la recepción, la factura y el pago en un flujo trazable. Algunas soluciones P2P se integran con el ERP para intercambiar datos, pero no lo sustituyen necesariamente.",{"_uid":2884,"title":2885,"component":2403,"description":2886},"89a515a1-b236-44f1-8bed-aa54da5bd802","¿Necesito un software de compras si ya tengo una gestoría o un ERP?",{"type":42,"content":2887},[2888],{"type":45,"attrs":2889,"content":2890},{"textAlign":47},[2891],{"text":2892,"type":52},"No siempre. Depende de si el ERP o la gestoría cubren también la solicitud, la aprobación, el control presupuestario y la trazabilidad previa al gasto. Si esos procesos se gestionan por correo o en hojas de cálculo, una herramienta especializada puede ayudar a estructurarlos y a enviar los datos validados al sistema contable.",{"_uid":2894,"title":2895,"component":2403,"description":2896},"a75afb36-ff3d-4435-90a6-7d03a1618aed","¿Cómo puede ayudar la automatización en la evaluación y el onboarding de proveedores?",{"type":42,"content":2897},[2898],{"type":45,"attrs":2899,"content":2900},{"textAlign":47},[2901],{"text":2902,"type":52},"Centralizar los datos de proveedores y contratos puede facilitar la consulta de condiciones y fechas de renovación. Los controles sobre los cambios de datos bancarios, incluida la confirmación independiente y, cuando esté disponible, la verificación del beneficiario, pueden ayudar a detectar algunas discrepancias. 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Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":3308,"title":3309,"component":2403,"description":3310},"2d2f199c-768f-4311-ad9c-01d5d4b9a7a9","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":42,"content":3311},[3312],{"type":45,"attrs":3313,"content":3314},{"textAlign":47},[3315],{"text":3316,"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":3318,"title":3319,"component":2403,"description":3320},"63d190c0-3c99-46fe-ad81-bf5387a86407","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":42,"content":3321},[3322],{"type":45,"attrs":3323,"content":3324},{"textAlign":47},[3325],{"text":3326,"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":3328,"title":3329,"component":2403,"description":3330},"071f8fe8-6df9-47c2-b583-ef1168c36e2e","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":42,"content":3331},[3332],{"type":45,"attrs":3333,"content":3334},{"textAlign":47},[3335],{"text":3336,"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":3338,"title":3339,"component":2403,"description":3340},"4de825b9-4c40-40ea-a669-61d8b133daab","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":42,"content":3341},[3342],{"type":45,"attrs":3343,"content":3344},{"textAlign":47},[3345],{"text":3346,"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.",[3348],{"cta":3349,"_uid":3350,"title":3351,"eyebrow":3357,"subtitle":3362,"component":126,"textAlign":24,"flexibleSection":3367,"sectionSettings":3368,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"56d8941f-4368-4ebf-b3fa-30abb22e5a34",{"type":42,"content":3352},[3353],{"type":126,"attrs":3354,"content":3355},{"level":128,"textAlign":47},[3356],{"text":2663,"type":52},{"type":42,"content":3358},[3359],{"type":45,"attrs":3360,"content":3361},{"textAlign":47},[],{"type":42,"content":3363},[3364],{"type":45,"attrs":3365,"content":3366},{"textAlign":47},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2380,[],"a3f091f5-323c-4173-a95e-1977530b00e3","2026-08-10T14:39:56.884Z",[],"blog/modelo-210-no-residentes",[3378,3379,3380],{"path":3376,"name":47,"lang":65,"published":47},{"path":3376,"name":47,"lang":67,"published":47},{"path":3376,"name":47,"lang":60,"published":47},{"name":3382,"created_at":3383,"published_at":3384,"updated_at":3385,"id":3386,"uuid":3387,"content":3388,"slug":3545,"full_slug":3546,"sort_by_date":47,"position":3547,"tag_list":3548,"is_startpage":30,"parent_id":895,"meta_data":47,"group_id":3549,"first_published_at":3550,"release_id":47,"lang":60,"path":47,"alternates":3551,"default_full_slug":3552,"translated_slugs":3553},"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":3389,"title":3382,"topics":3390,"noIndex":30,"category":3407,"language":3416,"component":860,"heroMedia":3417,"metaTitle":3418,"publishedAt":3137,"readingTime":3138,"redirectUrl":24,"listingImage":3419,"metaDescription":3426,"bottomArticleCta":3427,"componentsAfterTheArticle":3428},"0d225812-4d55-44c2-b89f-006658f0f075",[3391,3399],{"name":988,"created_at":2958,"published_at":6,"updated_at":2959,"id":2960,"uuid":2961,"content":3392,"slug":2963,"full_slug":2964,"sort_by_date":47,"position":82,"tag_list":3393,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":2966,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3394,"default_full_slug":2968,"translated_slugs":3395,"_stopResolving":69},{"_uid":78,"name":988,"component":79},[],[],[3396,3397,3398],{"path":2968,"name":47,"lang":65,"published":47},{"path":2968,"name":47,"lang":67,"published":47},{"path":2968,"name":47,"lang":60,"published":47},{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":3400,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":3401,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3402,"default_full_slug":88,"translated_slugs":3403,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[3404,3405,3406],{"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":848,"created_at":849,"published_at":6,"updated_at":850,"id":851,"uuid":852,"content":3408,"slug":860,"full_slug":861,"sort_by_date":47,"position":862,"tag_list":3410,"is_startpage":30,"parent_id":864,"meta_data":47,"group_id":865,"first_published_at":866,"release_id":47,"lang":60,"path":47,"alternates":3411,"default_full_slug":868,"translated_slugs":3412,"_stopResolving":69},{"_uid":854,"icon":3409,"name":848,"component":859},{"id":856,"alt":857,"name":24,"focus":24,"title":24,"filename":858,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3413,3414,3415],{"path":868,"name":47,"lang":65,"published":47},{"path":868,"name":47,"lang":67,"published":47},{"path":868,"name":47,"lang":60,"published":47},[60],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f",[3420],{"_uid":3421,"asset":3422,"caption":24,"component":774},"8d7934aa-bd72-45e4-bf37-d78357884d0b",{"id":3423,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3424,"copyright":24,"fieldtype":29,"meta_data":3425,"is_external_url":30},213557579976256,"https://a.storyblok.com/f/146026/1536x1024/07d9ae630e/modelo-111-irpf-retenciones.png",{"size":2727},"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.",[],[3429],{"_uid":3430,"items":3431,"heading":3523,"component":2543},"3a0a0e64-8720-4af2-91c3-673414935f4a",[3432,3465,3483,3493,3503,3513],{"_uid":3433,"title":3434,"component":2403,"description":3435},"36103d57-5f5a-4af1-b116-c29162526b19","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":42,"content":3436},[3437],{"type":45,"attrs":3438,"content":3439},{"textAlign":47},[3440,3442,3448,3450,3456,3458,3464],{"text":3441,"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":3443,"type":52,"marks":3444}," Modelo 190 es su resumen anual informativo",[3445],{"type":150,"attrs":3446},{"href":3447,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":3449,"type":52},". Las retenciones de alquileres se declaran mediante el",{"text":3451,"type":52,"marks":3452}," Modelo 115",[3453],{"type":150,"attrs":3454},{"href":3455,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":3457,"type":52}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":3459,"type":52,"marks":3460}," Modelo 130",[3461],{"type":150,"attrs":3462},{"href":3463,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":422,"type":52},{"_uid":3466,"title":3467,"component":2403,"description":3468},"9abeccc9-21dd-4c0a-825b-d1de2694bb12","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":42,"content":3469},[3470],{"type":45,"attrs":3471,"content":3472},{"textAlign":47},[3473,3475,3481],{"text":3474,"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":3476,"type":52,"marks":3477}," Modelo 111, en casillas separadas",[3478],{"type":150,"attrs":3479},{"href":3480,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":3482,"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":3484,"title":3485,"component":2403,"description":3486},"4c266973-9d31-48f8-8102-ab45080ccaca","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":42,"content":3487},[3488],{"type":45,"attrs":3489,"content":3490},{"textAlign":47},[3491],{"text":3492,"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":3494,"title":3495,"component":2403,"description":3496},"0d57caab-2cb2-4026-89b4-edfbb27fa3c7","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":42,"content":3497},[3498],{"type":45,"attrs":3499,"content":3500},{"textAlign":47},[3501],{"text":3502,"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":3504,"title":3505,"component":2403,"description":3506},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":42,"content":3507},[3508],{"type":45,"attrs":3509,"content":3510},{"textAlign":47},[3511],{"text":3512,"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":3514,"title":3515,"component":2403,"description":3516},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":42,"content":3517},[3518],{"type":45,"attrs":3519,"content":3520},{"textAlign":47},[3521],{"text":3522,"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.",[3524],{"cta":3525,"_uid":3526,"title":3527,"eyebrow":3533,"subtitle":3538,"component":126,"textAlign":24,"flexibleSection":3543,"sectionSettings":3544,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":42,"content":3528},[3529],{"type":126,"attrs":3530,"content":3531},{"level":128,"textAlign":47},[3532],{"text":2663,"type":52},{"type":42,"content":3534},[3535],{"type":45,"attrs":3536,"content":3537},{"textAlign":47},[],{"type":42,"content":3539},[3540],{"type":45,"attrs":3541,"content":3542},{"textAlign":47},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2370,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7","2026-08-10T14:39:54.001Z",[],"blog/modelo-111-irpf-retenciones",[3554,3555,3556],{"path":3552,"name":47,"lang":65,"published":47},{"path":3552,"name":47,"lang":67,"published":47},{"path":3552,"name":47,"lang":60,"published":47},{"name":3558,"created_at":3559,"published_at":3560,"updated_at":3561,"id":3562,"uuid":3563,"content":3564,"slug":3683,"full_slug":3684,"sort_by_date":47,"position":3685,"tag_list":3686,"is_startpage":30,"parent_id":895,"meta_data":47,"group_id":3687,"first_published_at":3688,"release_id":47,"lang":60,"path":47,"alternates":3689,"default_full_slug":3690,"translated_slugs":3691},"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":3565,"title":3558,"topics":3566,"noIndex":30,"category":3583,"language":3592,"component":860,"heroMedia":3593,"metaTitle":3594,"publishedAt":3595,"readingTime":3596,"redirectUrl":24,"listingImage":3597,"metaDescription":3604,"bottomArticleCta":3605,"componentsAfterTheArticle":3606},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3567,3575],{"name":988,"created_at":2958,"published_at":6,"updated_at":2959,"id":2960,"uuid":2961,"content":3568,"slug":2963,"full_slug":2964,"sort_by_date":47,"position":82,"tag_list":3569,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":2966,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3570,"default_full_slug":2968,"translated_slugs":3571,"_stopResolving":69},{"_uid":78,"name":988,"component":79},[],[],[3572,3573,3574],{"path":2968,"name":47,"lang":65,"published":47},{"path":2968,"name":47,"lang":67,"published":47},{"path":2968,"name":47,"lang":60,"published":47},{"name":72,"created_at":73,"published_at":6,"updated_at":74,"id":75,"uuid":76,"content":3576,"slug":80,"full_slug":81,"sort_by_date":47,"position":82,"tag_list":3577,"is_startpage":30,"parent_id":84,"meta_data":47,"group_id":85,"first_published_at":86,"release_id":47,"lang":60,"path":47,"alternates":3578,"default_full_slug":88,"translated_slugs":3579,"_stopResolving":69},{"_uid":78,"name":72,"component":79},[],[],[3580,3581,3582],{"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":848,"created_at":849,"published_at":6,"updated_at":850,"id":851,"uuid":852,"content":3584,"slug":860,"full_slug":861,"sort_by_date":47,"position":862,"tag_list":3586,"is_startpage":30,"parent_id":864,"meta_data":47,"group_id":865,"first_published_at":866,"release_id":47,"lang":60,"path":47,"alternates":3587,"default_full_slug":868,"translated_slugs":3588,"_stopResolving":69},{"_uid":854,"icon":3585,"name":848,"component":859},{"id":856,"alt":857,"name":24,"focus":24,"title":24,"filename":858,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3589,3590,3591],{"path":868,"name":47,"lang":65,"published":47},{"path":868,"name":47,"lang":67,"published":47},{"path":868,"name":47,"lang":60,"published":47},[60],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00","13",[3598],{"_uid":3599,"asset":3600,"caption":24,"component":774},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":3601,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3602,"copyright":24,"fieldtype":29,"meta_data":3603,"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.",[],[3607],{"_uid":3608,"items":3609,"heading":1200,"component":2543},"d437e15a-ca83-40ff-962f-928bbc083496",[3610,3628,3638,3648,3658],{"_uid":3611,"title":3612,"component":2403,"description":3613},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":42,"content":3614},[3615],{"type":45,"attrs":3616,"content":3617},{"textAlign":47},[3618,3620,3626],{"text":3619,"type":52},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3621,"type":52,"marks":3622},"Ley 15/2010",[3623],{"type":150,"attrs":3624},{"href":3625,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3627,"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":3629,"title":3630,"component":2403,"description":3631},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":42,"content":3632},[3633],{"type":45,"attrs":3634,"content":3635},{"textAlign":47},[3636],{"text":3637,"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":3639,"title":3640,"component":2403,"description":3641},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":42,"content":3642},[3643],{"type":45,"attrs":3644,"content":3645},{"textAlign":47},[3646],{"text":3647,"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":3649,"title":3650,"component":2403,"description":3651},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":42,"content":3652},[3653],{"type":45,"attrs":3654,"content":3655},{"textAlign":47},[3656],{"text":3657,"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":3659,"title":3660,"component":2403,"description":3661},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":42,"content":3662},[3663],{"type":45,"attrs":3664,"content":3665},{"textAlign":47},[3666,3668,3674,3676,3682],{"text":3667,"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":3669,"type":52,"marks":3670},"conciliación",[3671],{"type":150,"attrs":3672},{"href":3673,"uuid":47,"anchor":47,"target":153,"linktype":33},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":3675,"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":3677,"type":52,"marks":3678},"visita 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[3735],{"_uid":3736,"asset":3737,"caption":24,"component":774},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":3738,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3739,"copyright":24,"fieldtype":29,"meta_data":3740,"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.",[],[3744],{"_uid":3745,"items":3746,"heading":1200,"component":2543},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3747,3757,3767,3777,3787,3797,3807],{"_uid":3748,"title":3749,"component":2403,"description":3750},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no 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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":3768,"title":3769,"component":2403,"description":3770},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":42,"content":3771},[3772],{"type":45,"attrs":3773,"content":3774},{"textAlign":47},[3775],{"text":3776,"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":3778,"title":3779,"component":2403,"description":3780},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":42,"content":3781},[3782],{"type":45,"attrs":3783,"content":3784},{"textAlign":47},[3785],{"text":3786,"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":3788,"title":3789,"component":2403,"description":3790},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":42,"content":3791},[3792],{"type":45,"attrs":3793,"content":3794},{"textAlign":47},[3795],{"text":3796,"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":3798,"title":3799,"component":2403,"description":3800},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":42,"content":3801},[3802],{"type":45,"attrs":3803,"content":3804},{"textAlign":47},[3805],{"text":3806,"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":3808,"title":3809,"component":2403,"description":3810},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":42,"content":3811},[3812],{"type":45,"attrs":3813,"content":3814},{"textAlign":47},[3815],{"text":3816,"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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Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[3878],{"_uid":3879,"items":3880,"heading":1200,"component":2543},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3881,3891,3901,3911,3921],{"_uid":3882,"title":3883,"component":2403,"description":3884},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":42,"content":3885},[3886],{"type":45,"attrs":3887,"content":3888},{"textAlign":47},[3889],{"text":3890,"type":52},"Desde octubre de 2027 para empresas con facturación superior a 8 millones de euros anuales, y desde octubre de 2028 para todas las demás empresas y autónomos. Ambas fechas se derivan del RD 238/2026.",{"_uid":3892,"title":3893,"component":2403,"description":3894},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":42,"content":3895},[3896],{"type":45,"attrs":3897,"content":3898},{"textAlign":47},[3899],{"text":3900,"type":52},"VERI*FACTU regula la generación de facturas: software certificado que envía registros a la AEAT en tiempo real. La Ley Crea y Crece regula el intercambio B2B: facturas en formato estructurado (UBL, CII) entre empresas, con seguimiento obligatorio del estado en un plazo de cuatro días naturales. Ambas son obligatorias de forma simultánea.",{"_uid":3902,"title":3903,"component":2403,"description":3904},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":42,"content":3905},[3906],{"type":45,"attrs":3907,"content":3908},{"textAlign":47},[3909],{"text":3910,"type":52},"Sí. La factura simplificada es un documento fiscal válido y se puede contabilizar. Bajo el nuevo régimen, el estado de la factura simplificada debe rastrearse electrónicamente, igual que una factura completa. El umbral se mantiene en 400 € para el contexto general.",{"_uid":3912,"title":3913,"component":2403,"description":3914},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":42,"content":3915},[3916],{"type":45,"attrs":3917,"content":3918},{"textAlign":47},[3919],{"text":3920,"type":52},"Sí, existe una categoría específica dentro del programa Kit Digital, con ayudas de hasta 12.000 € para pymes, destinada a la digitalización de la facturación. 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