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El coste se acumula dentro de las empresas que ya han dado el paso, en lugar de extenderse a otras nuevas; el discurso sobre la «democratización» de la IA no ha seguido el mismo ritmo.\n- La factura típica de IA fluctúa un **61%** de un mes a otro, y sus meses más caros pueden llegar a costar **hasta ocho veces** más que los más baratos, un patrón para el que ninguna partida presupuestaria fija está diseñada para absorver.\n\n\\*Para obtener detalles sobre el modelado, consulte la sección de Muestra.","purple","Key Takeaways",[271],{"tag":90,"_uid":272,"hide":28,"icon":273,"link":275,"type":90,"label":277,"style":278,"component":182,"mobileLabel":90,"onClickEvent":279,"openInANewTab":28,"horizontalFill":28,"isDownloadable":41},"i-e969f2a3-8fe3-471c-beb1-5ae186632730",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":274},{},{"id":90,"url":276,"linktype":178,"fieldtype":179,"cached_url":276},"https://a.storyblok.com/f/146026/1080x2508/b6f66cc2a7/spanish-agentic-ai-infographics.png","Descargar a tamaño completo","primary","website:report_download:clicked",[281],{"_uid":282,"link":283,"asset":286,"caption":90,"component":289},"i-d0373e80-87b2-46f4-888d-e6dbb279d80a",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},"story","/es/",{"id":287,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":276,"copyright":90,"fieldtype":174,"meta_data":288,"is_external_url":28},226368889922025,{},"image","callout",{"type":196,"attrs":292,"content":294},{"textAlign":25,"key":293},"p-1",[295],{"text":296,"type":202,"marks":297},"Todo director financiero tiene una teoría sobre la proliferación del SaaS, pocos han visto las cifras reales. En Spendesk, esto es lo que hacemos cada día.",[298],{"type":257,"attrs":299},{"color":259},{"type":196,"attrs":301,"content":303},{"textAlign":25,"key":302},"p-2",[304],{"text":305,"type":202,"marks":306},"Esa es la perspectiva que ofrece gestionar una plataforma de gestión del gasto que procesa más de 10.000 millones de euros en pagos B2B en Europa: no vemos lo que las empresas dicen que gastan en software, sino lo que realmente pagan, mes tras mes y herramienta a herramienta. Este informe se basa en doce meses de datos reales de transacciones, facturas, suscripciones y pagos con tarjeta, procedentes de 2.500 empresas europeas anonimizadas y cuidadosamente seleccionadas, de nueve sectores principales y cuatro tramos de tamaño.",[307],{"type":257,"attrs":308},{"color":259},{"type":310,"attrs":311,"content":313},"heading",{"level":312,"textAlign":25},2,[314],{"text":315,"type":202,"marks":316},"La historia central: el ajuste de cuentas del SaaS europeo",[317],{"type":257,"attrs":318},{"color":259},{"type":196,"attrs":320,"content":322},{"textAlign":25,"key":321},"p-3",[323],{"text":324,"type":202,"marks":325},"Las empresas europeas gastan ahora, de media, cerca de 250.000 euros al año en software cada una. Esa cifra lleva años aumentando y casi nadie fuera del área financiera ha tenido que explicar por qué.",[326],{"type":257,"attrs":327},{"color":259},{"type":196,"attrs":329,"content":331},{"textAlign":25,"key":330},"p-4",[332,337,345],{"text":333,"type":202,"marks":334},"Parte de la respuesta es un simple descuido. Las referencias comparativas externas (el SaaS Management Index 2024 de ",[335],{"type":257,"attrs":336},{"color":259},{"text":338,"type":202,"marks":339},"Zylo",[340,343],{"type":180,"attrs":341},{"href":342,"uuid":25,"anchor":25,"target":25,"linktype":178},"https://zylo.com/news/2024-saas-management-index",{"type":257,"attrs":344},{"color":259},{"text":346,"type":202,"marks":347},") idican que, las empresas sólo utilizan el 49% de las licencias que pagan, mes tras mes, porque nadie las ha auditado, reasignado ni se ha preocupado de comprobar su uso..",[348],{"type":257,"attrs":349},{"color":259},{"type":196,"attrs":351,"content":353},{"textAlign":25,"key":352},"p-5",[354],{"text":355,"type":202,"marks":356},"La otra parte está en los precios. El mismo software, vendido a empresas del mismo tamaño, no cuesta lo mismo dos veces. Modelada sobre todas las empresas europeas de entre 50 y 249 empleados, esa brecha representa del orden de 7.000 millones de euros al año. Esta es la zona de riesgo del crecimiento: la plantilla crece más deprisa que la disciplina de compras. Una empresa puede tener más de 30 herramientas SaaS antes de contar con alguien cuyo trabajo sea negociar el precio de una sola de ellas.",[357],{"type":257,"attrs":358},{"color":259},{"type":196,"attrs":360,"content":362},{"textAlign":25,"key":361},"p-6",[363],{"text":364,"type":202,"marks":365},"Las duplicidades se suman a la factura. La mayoría de las empresas que utilizan herramientas de IA pagan ahora dos o más productos competidores a la vez. Lo mismo ocurre con la mayoría de las empresas que utilizan software de diseño. El patrón se repite categoría tras categoría: utilizar tres herramientas con funciones solapadas ha dejado de ser un error para convertirse en la norma.",[366],{"type":257,"attrs":367},{"color":259},{"type":196,"attrs":369,"content":371},{"textAlign":25,"key":370},"p-7",[372],{"text":373,"type":202,"marks":374},"En una factura, parece simplemente una línea más de un proveedor que nadie ha revisado.En otras palabras, el desperdicio es estructural.Las empresas europeas gastan ahora, de media, cerca de 250.000 euros al año en software cada una. Esa cifra lleva años aumentando y casi nadie fuera del área financiera ha tenido que explicar por qué.",[375],{"type":257,"attrs":376},{"color":259},{"type":196,"attrs":378,"content":380},{"textAlign":25,"key":379},"p-8",[381],{"text":382,"type":202,"marks":383},"Parte de la respuesta es un simple descuido. Las referencias comparativas externas (el SaaS Management Index 2024 de Zylo) idican que, las empresas sólo utilizan el 49% de las licencias que pagan, mes tras mes, porque nadie las ha auditado, reasignado ni se ha preocupado de comprobar su uso..",[384],{"type":257,"attrs":385},{"color":259},{"type":196,"attrs":387,"content":389},{"textAlign":25,"key":388},"p-9",[390],{"text":355,"type":202,"marks":391},[392],{"type":257,"attrs":393},{"color":259},{"type":196,"attrs":395,"content":397},{"textAlign":25,"key":396},"p-10",[398],{"text":364,"type":202,"marks":399},[400],{"type":257,"attrs":401},{"color":259},{"type":196,"attrs":403,"content":405},{"textAlign":25,"key":404},"p-11",[406],{"text":407,"type":202,"marks":408},"En una factura, parece simplemente una línea más de un proveedor que nadie ha revisado.En otras palabras, el desperdicio es estructural.",[409],{"type":257,"attrs":410},{"color":259},{"type":310,"attrs":412,"content":414},{"level":413,"textAlign":25},3,[415],{"text":416,"type":202,"marks":417},"Por qué la IA cambia el problema del control: el gasto basado en uso puede crecer más rápido que los presupuestos",[418],{"type":257,"attrs":419},{"color":259},{"type":261,"attrs":421},{"id":422,"body":423},"3276ae00-274a-46a1-8b0f-e494bac7efdc",[424],{"_uid":425,"link":426,"asset":427,"caption":90,"component":289},"i-5b8e443c-fd9a-4d43-9fea-b07014d44b35",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":428,"alt":429,"name":90,"focus":90,"title":90,"source":90,"filename":430,"copyright":90,"fieldtype":174,"meta_data":431,"is_external_url":28},225669404233317,"Gasto mensual en proveedores de IA","https://a.storyblok.com/f/146026/3840x2496/34fd384692/gasto-mensual-en-proveedores-de-ia.png",{"alt":429,"size":432},"3840x2496",{"type":196,"attrs":434,"content":436},{"textAlign":25,"key":435},"p-12",[437],{"text":438,"type":202,"marks":439},"Lo que diferencia este momento de los ciclos anteriores de proliferación del SaaS es la IA, y el cambio se está produciendo rápidamente.",[440],{"type":257,"attrs":441},{"color":259},{"type":196,"attrs":443,"content":445},{"textAlign":25,"key":444},"p-13",[446],{"text":447,"type":202,"marks":448},"Hace un año, OpenAI era el líder indiscutible del gasto en proveedores de IA entre las empresas europeas, muy por delante de todos los demás. A principios de 2026, Anthropic lo había adelantado: el gasto solo en Anthropic creció más de siete veces durante la segunda mitad del periodo de doce meses, mientras que el gasto en OpenAI se estabilizó y después retrocedió. La factura de Cursor se duplicó con creces durante el mismo periodo. Dust, Lovable y Mistral apenas aparecen todavía, pero a este ritmo no tardarán en hacerlo.",[449],{"type":257,"attrs":450},{"color":259},{"type":196,"attrs":452,"content":454},{"textAlign":25,"key":453},"p-14",[455],{"text":456,"type":202,"marks":457},"Las facturas del SaaS tradicional no evolucionan así. Una factura de Figma de 500 euros al mes sigue siendo de 500 euros el mes siguiente. La facturación de la IA aumenta con cada indicación, cada agente y cada flujo de trabajo automatizado, lo que hace que la propia factura sea impredecible de una forma que los equipos financieros nunca habían tenido que prever. No hay una fecha de renovación que active una revisión ni una partida presupuestaria preparada para absorber una oscilación de varias veces su importe habitual. El gasto se acumula hasta que alguien se da cuenta, y para entonces ya se ha multiplicado.",[458],{"type":257,"attrs":459},{"color":259},{"type":310,"attrs":461,"content":462},{"level":413,"textAlign":25},[463],{"text":464,"type":202,"marks":465},"Cómo pueden los equipos financieros europeos reducir el desperdicio en SaaS y controlar la IA",[466],{"type":257,"attrs":467},{"color":259},{"type":196,"attrs":469,"content":471},{"textAlign":25,"key":470},"p-15",[472],{"text":473,"type":202,"marks":474},"La ventana para adelantarse a esta situación se está cerrando, y la ventaja se acumula para quien actúe primero.",[475],{"type":257,"attrs":476},{"color":259},{"type":196,"attrs":478,"content":480},{"textAlign":25,"key":479},"p-16",[481],{"text":482,"type":202,"marks":483},"El primer problema es la falta de referencias comparativas. Los equipos financieros no pueden negociar cuando no saben cuánto pagan otras empresas, y los proveedores de SaaS son conocidos por su opacidad en materia de precios. Conocer el gasto de empresas comparables es el punto de partida, no un extra.",[484],{"type":257,"attrs":485},{"color":259},{"type":196,"attrs":487,"content":489},{"textAlign":25,"key":488},"p-17",[490],{"text":491,"type":202,"marks":492},"El segundo problema es la eficiencia del gasto. A medida que la IA pasa de ser un experimento a convertirse en infraestructura, el coste por resultado es la métrica que separa a las empresas que escalan la IA de forma rentable de las que simplemente aumentan su gasto en IA. A las herramientas que resolvieron la proliferación del SaaS en la década de 2010 ahora se les pide algo más difícil: pasar de controlar licencias a controlar el consumo. Las empresas que traten el gasto en IA como un recurso estratégico, y no como una partida secundaria, serán las que tomen la delantera frente a la competencia durante los próximos doce meses.",[493],{"type":257,"attrs":494},{"color":259},{"type":196,"attrs":496,"content":498},{"textAlign":25,"key":497},"p-18",[499],{"text":500,"type":202,"marks":501},"Este informe analiza cuatro áreas en las que los equipos financieros pueden encontrar ahorros reales. Hay algo que nunca deja de sorprendernos: casi todos los equipos financieros con los que hablamos creen que su empresa ya opera con la máxima eficiencia posible. Los datos que siguen dicen lo contrario.",[502],{"type":257,"attrs":503},{"color":259},{"type":310,"attrs":505},{"level":413,"textAlign":25},{"type":310,"attrs":507,"content":508},{"level":312,"textAlign":25},[509],{"text":510,"type":202,"marks":511},"1. La misma herramienta, el mismo tamaño y facturas radicalmente distintas",[512],{"type":257,"attrs":513},{"color":259},{"type":196,"attrs":515,"content":517},{"textAlign":25,"key":516},"p-19",[518],{"text":519,"type":202,"marks":520},"Conclusión clave: las empresas europeas podrían estar pagando de más 7.000 millones de euros al año por SaaS",[521,523,525],{"type":257,"attrs":522},{"color":259},{"type":524},"bold",{"type":526},"italic",{"type":196,"attrs":528,"content":530},{"textAlign":25,"key":529},"p-20",[531],{"text":532,"type":202,"marks":533},"Spendesk comparó el gasto mensual por empleado en proveedores SaaS habituales con precio por usuario, controlando al mismo tiempo el tamaño de la empresa. El análisis detectó aproximadamente 69 millones de euros de pagos excesivos anuales en las 2.500 empresas estudiadas, que a menudo pagaban entre dos y cuatro veces más que los compradores con mayor disciplina por el mismo software.",[534,536],{"type":257,"attrs":535},{"color":259},{"type":526},{"type":196,"attrs":538,"content":540},{"textAlign":25,"key":539},"p-21",[541],{"text":542,"type":202,"marks":543},"Los proveedores de software publican precios. Lo que las empresas pagan realmente no siempre corresponde con ellos. En más de 35 de las herramientas SaaS más habituales con precio por usuario, medimos cuánto paga cada empresa por empleado y mes por exactamente el mismo producto, y después comparamos cada empresa con el cuartil de compradores más disciplinados de su misma escala. Lo que queda después de controlar el número de empleados es el pago excesivo: aproximadamente 69 millones de euros al año, o unos 40.000 euros por cada empresa que paga de más.",[544],{"type":257,"attrs":545},{"color":259},{"type":196,"attrs":547},{"textAlign":25,"key":548},"p-22",{"type":261,"attrs":550},{"id":422,"body":551},[552],{"_uid":553,"link":554,"asset":555,"caption":90,"component":289},"i-0377327c-0e11-4151-b810-5002f11d2bdd",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":556,"alt":557,"name":90,"focus":90,"title":90,"source":90,"filename":558,"copyright":90,"fieldtype":174,"meta_data":559,"is_external_url":28},225669774687878,"Top 5 proveedores con mayor potencial de ahorro","https://a.storyblok.com/f/146026/3840x2496/b1fc5dd3c0/top-5-proveedores-con-mayor-potencial-de-ahorro.png",{"alt":557},{"type":196,"attrs":561,"content":563},{"textAlign":25,"key":562},"p-23",[564],{"text":565,"type":202,"marks":566},"Ese ajuste por tamaño es el punto clave. La objeción evidente es que las empresas grandes simplemente pagan más, y es cierto: una empresa de 200 personas siempre gastará más en Slack que una de 20. Eso es exactamente lo que corregimos. Si se toma como referencia el gasto por empleado, la variación apenas se reduce. Atlassian muestra una brecha de 2 frente a 12 euros por persona; Notion, de 2 frente a 7 euros; y HubSpot, de 6 frente a 24 euros. En todos los casos, hay una brecha de entre tres y seis veces por empleado que el número de empleados no puede explicar.",[567],{"type":257,"attrs":568},{"color":259},{"type":196,"attrs":570},{"textAlign":25,"key":571},"p-24",{"type":261,"attrs":573},{"id":422,"body":574},[575],{"_uid":576,"link":577,"asset":578,"caption":90,"component":289},"i-3e4a8473-e06b-4dba-8e87-5b612b2db894",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":579,"alt":580,"name":90,"focus":90,"title":90,"source":90,"filename":581,"copyright":90,"fieldtype":174,"meta_data":582,"is_external_url":28},225669986528920,"La misma herramienta, precios muy distintos","https://a.storyblok.com/f/146026/3840x2496/d892d382e8/la-misma-herramienta-precios-muy-distintos.png",{"alt":580},{"type":196,"attrs":584,"content":586},{"textAlign":25,"key":585},"p-25",[587],{"text":588,"type":202,"marks":589},"Esto no es una cuestión de composición de la cartera. Las grandes diferencias en un proveedor como Adobe o Atlassian pueden explicarse en parte por la amplitud del producto, pero cuando una herramienta de un solo producto como Slack muestra una diferencia de tres veces por empleado entre los compradores disciplinados y los habituales, la explicación reside casi por completo en la falta de transparencia de los niveles de plan y en la negociación, o en su ausencia.",[590],{"type":257,"attrs":591},{"color":259},{"type":196,"attrs":593,"content":595},{"textAlign":25,"key":594},"p-26",[596],{"text":597,"type":202,"marks":598},"Las empresas que pagan en la parte alta del rango no están comprando un producto distinto ni son simplemente más grandes. Están comprando la misma herramienta, a la misma escala, con una negociación diferente, o sin haber negociado nunca. La diferencia se reduce a cuándo revisaron el contrato por última vez, cuántas plazas asignaron frente a cuántas utilizan realmente y si alguien del área financiera llegó a cuestionarlo. No tienen forma de saber que pagan de más, porque los proveedores publican, como mucho, una cifra genérica. Nunca publican lo que pagan los distintos grupos de empresas comparables.",[599],{"type":257,"attrs":600},{"color":259},{"type":196,"attrs":602,"content":604},{"textAlign":25,"key":603},"p-27",[605],{"text":606,"type":202,"marks":607},"Nota sobre la muestra: excluimos deliberadamente de esta figura a los proveedores de nube con precios basados en el consumo (AWS, OVH, Scaleway y Gandi). Sus facturas crecen con el uso, no con el número de plazas, por lo que una referencia por empleado no aísla la disciplina de precios como sí lo hace en el caso del SaaS. Medidos sobre la misma base, añadirían otros 7,1 millones de euros, pero los presentamos por separado en lugar de integrarlos en la cifra principal.",[608],{"type":257,"attrs":609},{"color":259},{"type":196,"attrs":611},{"textAlign":25,"key":612},"p-28",{"type":261,"attrs":614},{"id":422,"body":615},[616],{"_uid":617,"link":618,"asset":619,"caption":90,"component":289},"i-fff5ffb6-91f5-4805-a85c-5e7a51bb30a3",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":620,"alt":621,"name":90,"focus":90,"title":90,"source":90,"filename":622,"copyright":90,"fieldtype":174,"meta_data":623,"is_external_url":28},225670361083563,"El control de precios empeora año tras año","https://a.storyblok.com/f/146026/3840x2496/4457a1ddbe/el-control-de-precios-empeora-ano-tras-ano.png",{"alt":621,"size":432},{"type":196,"attrs":625,"content":627},{"textAlign":25,"key":626},"p-29",[628],{"text":629,"type":202,"marks":630},"El volumen de pagos excesivos de 67 millones de euros no se reduce a medida que madura el mercado: se mantiene obstinadamente plano interanual, incluso aunque hayan bajado las tarifas medianas de SaaS. La composición cambia entre proveedores, la brecha de HubSpot aumentó en 1,1 millones de euros y la de Atlassian se redujo en 1,4 millones, pero la dispersión total se mantiene. El pago excesivo es estructural, no una ineficiencia pasajera.",[631],{"type":257,"attrs":632},{"color":259},{"type":310,"attrs":634,"content":635},{"level":413,"textAlign":25},[636],{"text":637,"type":202,"marks":638},"Por mercado: las diferencias en la disciplina de precios cruza fronteras",[639,641],{"type":257,"attrs":640},{"color":259},{"type":524},{"type":196,"attrs":643},{"textAlign":25,"key":644},"p-30",{"type":261,"attrs":646},{"id":422,"body":647},[648],{"_uid":649,"link":650,"asset":651,"caption":90,"component":289},"i-951177b4-d928-4200-806d-b655fcd712d8",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":652,"alt":653,"name":90,"focus":90,"title":90,"source":90,"filename":654,"copyright":90,"fieldtype":174,"meta_data":655,"is_external_url":28},225670613782197,"Factura mensual de Figma por empresa, por mercado","https://a.storyblok.com/f/146026/3840x2496/20ecbe18c1/factura-mensual-de-figma-por-empresa-por-mercado.png",{"alt":653},{"type":196,"attrs":657,"content":659},{"textAlign":25,"key":658},"p-31",[660],{"text":661,"type":202,"marks":662},"Allá donde miremos, la misma herramienta se compra a precios radicalmente distintos y ningún mercado lo ha resuelto. Figma es un ejemplo claro: un único producto, con un modelo de precios complejo basado en distintos tipos de plazas y duraciones de contrato, que se vende a equipos de diseño de todo el mundo. Sin embargo, en todos los mercados analizados, la empresa mediana paga unos 200 euros al mes, mientras que el cuartil que más paga abona unos 1.500 euros: una diferencia de entre 6 y 9 veces dentro de cada geografía, para un único proveedor. El Reino Unido es el mercado más disciplinado: presenta la mediana más alta, pero la menor dispersión y el menor número de empresas que pagan cantidades extremas. Francia y Alemania tienen medianas más bajas, pero una cola más larga de empresas que pagan mucho de más.",[663],{"type":257,"attrs":664},{"color":259},{"type":310,"attrs":666,"content":667},{"level":312,"textAlign":25},[668],{"text":669,"type":202,"marks":670},"2. La eliminación de herramientas duplicadas por sí sola podría liberar 3.000 millones de euros al año",[671],{"type":257,"attrs":672},{"color":259},{"type":196,"attrs":674,"content":675},{"textAlign":25,"key":198},[676],{"text":677,"type":202,"marks":678},"Conclusión clave: la duplicación de herramientas cuesta a las empresas europeas 3.000 millones de euros al año.",[679,681,682],{"type":257,"attrs":680},{"color":259},{"type":524},{"type":526},{"type":196,"attrs":684,"content":685},{"textAlign":25,"key":293},[686],{"text":687,"type":202,"marks":688},"Spendesk analizó el solapamiento de suscripciones entre distintas categorías de software a partir de sus datos de transacciones. El análisis identificó cerca de 15 millones de euros anuales de gasto recuperable por herramientas duplicadas dentro de la muestra, una cifra que, extrapolada al conjunto de Europa, ascendería a 3.000 millones de euros al año.",[689,691],{"type":257,"attrs":690},{"color":259},{"type":526},{"type":196,"attrs":693,"content":694},{"textAlign":25,"key":302},[695],{"text":696,"type":202,"marks":697},"Más de dos tercios de este gasto se concentra en herramientas de IA y diseño, dos categorías en las que el 72 % y el 64 % de las empresas, respectivamente, pagan por dos o más soluciones que compiten entre sí.",[698,700],{"type":257,"attrs":699},{"color":259},{"type":526},{"type":196,"attrs":702,"content":703},{"textAlign":25,"key":321},[704],{"text":705,"type":202,"marks":706},"El 72% de las empresas que utilizan herramientas de IA paga dos o más productos competidores. En el caso de las herramientas de diseño, la cifra es del 64%. Cuando las empresas compran software, rara vez racionalizan lo que ya tienen: lo que hacen es añadir más. Las duplicidades no son la señal de unos pocos casos atípicos con una mala gobernanza, sino la norma estadística en casi todas las categorías que analizamos.",[707],{"type":257,"attrs":708},{"color":259},{"type":261,"attrs":710},{"id":422,"body":711},[712],{"_uid":713,"link":714,"asset":715,"caption":90,"component":289},"i-620d10dd-a959-4de3-be19-c691932975e2",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":716,"alt":717,"name":90,"focus":90,"title":90,"source":90,"filename":718,"copyright":90,"fieldtype":174,"meta_data":719,"is_external_url":28},225670821519039,"La duplicidad es la norma, no la excepción","https://a.storyblok.com/f/146026/3840x2496/e59b9ed0f2/la-duplicidad-es-la-norma-no-la-excepcion.png",{"alt":717},{"type":196,"attrs":721},{"textAlign":25,"key":330},{"type":196,"attrs":723,"content":724},{"textAlign":25,"key":352},[725],{"text":726,"type":202,"marks":727},"Las categorías con las tasas de duplicidad más altas son también las que crecen más deprisa: IA y diseño. No es una coincidencia. Las categorías que evolucionan rápidamente fomentan una conducta de compra basada en probar primero el producto de forma gratuita, y esas pruebas tienden a convertirse en suscripciones permanentes que nadie llega a cancelar.",[728],{"type":257,"attrs":729},{"color":259},{"type":196,"attrs":731,"content":732},{"textAlign":25,"key":361},[733],{"text":734,"type":202,"marks":735},"Para el área financiera, la conclusión no es «detener a los malos actores», sino «arreglar el proceso». Sin una racionalización estructurada de proveedores, el comportamiento natural de cada equipo es seguir añadiendo herramientas, y cuando llega el momento de reducir el presupuesto, resulta más fácil hacerlo cuando se sabe por dónde empezar.",[736],{"type":257,"attrs":737},{"color":259},{"type":196,"attrs":739,"content":740},{"textAlign":25,"key":370},[741],{"text":742,"type":202,"marks":743},"En Spendesk tampoco somos inmunes a esto. Pagamos tanto Dust como Claude, dos herramientas de asistencia basadas en IA, porque las utilizamos para tareas diferentes. La diferencia es que el área financiera lo sabe y lo ha aprobado; nadie está cargando en secreto licencias duplicadas como gasto. Tenemos controles precisamente por este motivo y, si alguna vez necesitamos reducir costes, sabemos por dónde empezar.",[744],{"type":257,"attrs":745},{"color":259},{"type":196,"attrs":747},{"textAlign":25,"key":379},{"type":261,"attrs":749},{"id":750,"body":751},"0ed12b19-5530-488b-90bd-3fc015f1b557",[752],{"_uid":753,"name":754,"role":90,"image":755,"quote":757,"component":758},"i-8039cf35-319d-4463-871f-c3fd4b2e31b3","Pauline Bellee Babel, directora financiera de Spendesk",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":174,"meta_data":756,"is_external_url":28},{},"«No me preocupa que dos herramientas de IA hagan tareas que se solapan. El problema son dos herramientas de IA que nadie del área financiera ha aprobado. Dust y Claude figuran en nuestras cuentas porque decidimos que así debía ser, con el uso monitorizado, un responsable del gasto asignado y un motivo claro para mantener cada una. Ese es el criterio: no eliminar todas las duplicidades, sino eliminar las duplicidades sobre las que no existe visibilidad.»","quote",{"type":196,"attrs":760},{"textAlign":25,"key":388},{"type":196,"attrs":762},{"textAlign":25,"key":396},{"type":261,"attrs":764},{"id":765,"body":766},"e04cb598-56a6-4fd0-8e78-1e519d1ce230",[767],{"_uid":768,"link":769,"asset":770,"caption":90,"component":289},"i-a72d6205-8ec6-49aa-b611-e4cba39c7f3f",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":771,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":772,"copyright":90,"fieldtype":174,"meta_data":773,"is_external_url":28},226253151654513,"https://a.storyblok.com/f/146026/3840x2496/cf4fd73341/how-each-ai-tool-grew_-more-buyers-vs-deeper-spend.png",{},{"type":196,"attrs":775,"content":776},{"textAlign":25,"key":404},[777],{"text":778,"type":202,"marks":779},"Año tras año: las duplicidades se duplicaron a medida que se generaliza la experimentación con IA, pero sin que se haya decidido todavía con qué herramienta quedarse.",[780,782],{"type":257,"attrs":781},{"color":259},{"type":524},{"type":196,"attrs":784,"content":785},{"textAlign":25,"key":435},[786],{"text":787,"type":202,"marks":788},"Hace un año, la empresa típica que utilizaba modelos de lenguaje de gran tamaño trabajaba con un único modelo: solo el 29% utilizaba varios modelos competidores. Hoy la mediana es de dos y el 65% utiliza dos o más herramientas. La adopción de varios modelos se duplicó con creces en doce meses, pasando de ser la excepción a convertirse en la norma, y el gasto duplicado asociado creció de 0,3 a 4,5 millones de euros a medida que los proyectos piloto se convertían en plazas de pago. Esto refleja que los modelos se especializan por disciplina: una empresa puede estandarizar uno para el trabajo general, otro para programar y un tercero para el razonamiento entre equipos.",[789],{"type":257,"attrs":790},{"color":259},{"type":196,"attrs":792,"content":793},{"textAlign":25,"key":444},[794],{"text":795,"type":202,"marks":796},"Por mercado: una historia de escala frente a disciplina",[797,799],{"type":257,"attrs":798},{"color":259},{"type":524},{"type":196,"attrs":801,"content":802},{"textAlign":25,"key":453},[803],{"text":804,"type":202,"marks":805},"Francia concentra el mayor volumen en euros y, aún así, es el mercado más disciplinado. Francia tiene la tasa de duplicidad más baja de los cuatro mercados: el 63% de quienes gastan en software utilizan dos o más proveedores competidores en una categoría, frente al 74–77% de Alemania y el Reino Unido. Alemania y el Reino Unido son los verdaderos focos de duplicidades, y el gasto se concentra especialmente en el Reino Unido: cada empresa británica con duplicidades deja escapar aproximadamente 12.400 euros al año, frente a 9.800 euros en Alemania y 9.100 euros en Francia.",[806],{"type":257,"attrs":807},{"color":259},{"type":261,"attrs":809},{"id":750,"body":810},[811],{"_uid":812,"name":813,"role":90,"image":814,"quote":816,"component":758},"i-135a0e1c-2d35-4ef1-b1f7-afe61d68787c","Responsable financiero de Retail Insight",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":815},{},"«Creo que la respuesta es que no sabemos lo que no sabemos... No queremos pagar dos veces por un software que hace lo mismo. Tampoco queremos llegar a otra renovación sin saber que se acercaba ni haberla preparado con varios meses de antelación.»",{"type":196,"attrs":818},{"textAlign":25,"key":470},{"type":310,"attrs":820,"content":821},{"level":312,"textAlign":25},[822],{"text":823,"type":202,"marks":824},"3. Gasto europeo en IA: un aumento enorme y un desperdicio enorme",[825],{"type":257,"attrs":826},{"color":259},{"type":196,"attrs":828,"content":829},{"textAlign":25,"key":479},[830],{"text":831,"type":202,"marks":832},"Conclusión clave: las facturas europeas de IA pueden variar más de siete veces de un mes a otro, lo que dificulta las previsiones",[833,835,836],{"type":257,"attrs":834},{"color":259},{"type":524},{"type":526},{"type":196,"attrs":838,"content":839},{"textAlign":25,"key":488},[840],{"text":841,"type":202,"marks":842},"El gasto en IA es muy volátil entre las empresas europeas. El análisis de Spendesk muestra que la factura mensual de IA de la empresa mediana variaba aproximadamente un 62% de un mes a otro, mientras que su factura mensual más alta era más de siete veces superior a la más baja durante el periodo de la muestra. Entre las 1.347 empresas con al menos tres meses consecutivos de gasto en IA, el 60% mostró una gran variación intermensual, lo que genera un problema de previsión para los equipos financieros.",[843,845],{"type":257,"attrs":844},{"color":259},{"type":526},{"type":196,"attrs":847,"content":848},{"textAlign":25,"key":497},[849,855,859],{"text":850,"type":202,"marks":851},"Un mejor seguimiento del gasto en IA es, por sí mismo, una palanca de ahorro: el uso descontrolado de tokens solo se hace visible y controlable cuando se supervisa realmente la variación.",[852,854],{"type":257,"attrs":853},{"color":259},{"type":526},{"type":856,"marks":857},"hard_break",[858],{"type":526},{"type":856,"marks":860},[861],{"type":526},{"type":261,"attrs":863},{"id":422,"body":864},[865],{"_uid":866,"link":867,"asset":868,"caption":90,"component":289},"i-10b392b7-2801-47c3-aa83-c15678965a21",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":869,"alt":870,"name":90,"focus":90,"title":90,"source":90,"filename":871,"copyright":90,"fieldtype":174,"meta_data":872,"is_external_url":28},225671553920729,"El gasto en IA no deja de variar","https://a.storyblok.com/f/146026/3840x2496/22753680bc/el-gasto-en-ia-no-deja-de-variar.png",{"alt":870},{"type":196,"attrs":874,"content":875},{"textAlign":25,"key":516},[876],{"text":877,"type":202,"marks":878},"La factura mensual de IA de la empresa mediana oscila un ±61% de un mes a otro, y el 60% de las empresas con un uso de IA relativamente estable tiene facturas muy variables. Los precios basados en el uso son una ventaja para los proveedores. Para los equipos financieros, son un problema de previsión.",[879],{"type":257,"attrs":880},{"color":259},{"type":196,"attrs":882,"content":883},{"textAlign":25,"key":529},[884],{"text":885,"type":202,"marks":886},"De la muestra de 2.500 empresas, analizamos 1.347 que tenían al menos tres meses consecutivos de gasto en IA y medimos cuánto variaron sus facturas. En la empresa típica, el mes de mayor gasto supera en más de 6,5 veces al de menor gasto, una oscilación que ninguna partida presupuestaria fija puede anticipar. Este tipo de volatilidad no aparece en un modelo presupuestario tradicional de SaaS, porque esos modelos presuponen costes mensuales fijos. La IA no se comporta como una suscripción. Se comporta como un servicio basado en el consumo cuyo contador no está a la vista.",[887],{"type":257,"attrs":888},{"color":259},{"type":196,"attrs":890,"content":891},{"textAlign":25,"key":539},[892],{"text":893,"type":202,"marks":894},"Qué hacer al respecto: la única respuesta fiable a la variación de las facturas basadas en el uso es establecer un límite de gasto con alertas en una tarjeta inteligente, no una partida presupuestaria. Ahí es donde el seguimiento demuestra su valor: un equipo que puede ver la variación en tiempo real detecta el uso descontrolado de tokens en la primera semana, no al cierre del mes. Si se implanta este sistema, la partida de IA deja de depender de conjeturas, en lugar de descubrir la oscilación cuando ya se ha producido. Los equipos financieros que tratan la IA como una suscripción estandarizada están aplicando sistemáticamente un control insuficiente a la partida de gasto en software que crece más deprisa y es menos predecible.",[895],{"type":257,"attrs":896},{"color":259},{"type":196,"attrs":898,"content":899},{"textAlign":25,"key":548},[900],{"text":901,"type":202,"marks":902},"Por mercado: la volatilidad de las facturas de IA no entiende de geografía",[903,905],{"type":257,"attrs":904},{"color":259},{"type":524},{"type":196,"attrs":907},{"textAlign":25,"key":562},{"type":261,"attrs":909},{"id":422,"body":910},[911],{"_uid":912,"link":913,"asset":914,"caption":90,"component":289},"i-9e1bffde-61cb-4a21-be1b-ae6bf2ea1a8f",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":915,"alt":916,"name":90,"focus":90,"title":90,"source":90,"filename":917,"copyright":90,"fieldtype":174,"meta_data":918,"is_external_url":28},225671820594922,"La volatilidad del gasto en IA es similar en todos los mercados","https://a.storyblok.com/f/146026/3840x2496/ef6f881211/la-volatilidad-del-gasto-en-ia-es-similar-en-todos-los-mercados.png",{"alt":916},{"type":196,"attrs":920,"content":921},{"textAlign":25,"key":571},[922],{"text":923,"type":202,"marks":924},"Mientras que la consolidación y la disciplina de precios varían mucho entre mercados, la imprevisibilidad de las facturas no lo hacía.",[925],{"type":257,"attrs":926},{"color":259},{"type":196,"attrs":928,"content":929},{"textAlign":25,"key":585},[930],{"text":931,"type":202,"marks":932},"Todos los mercados se sitúan dentro de una estrecha banda de variación mediana del 55–65%, y entre el 55% y el 62% de las empresas tienen facturas muy variables. No hay ningún mercado disciplinado que señalar ni ningún caso atípico al que atribuirlo.",[933],{"type":257,"attrs":934},{"color":259},{"type":196,"attrs":936,"content":937},{"textAlign":25,"key":594},[938],{"text":939,"type":202,"marks":940},"Las pequeñas diferencias siguen una dirección conocida: una oscilación mediana del 65% en los mercados más pequeños del «resto de Europa», el grupo más volátil. Alemania es el mercado más estable (56%) y el Reino Unido el más expuesto (con la mayor proporción de facturas muy variables, un 62%), pero «más estable» sigue significando que más de la mitad de las empresas tienen facturas de IA que oscilan más de la mitad de un mes a otro.",[941],{"type":257,"attrs":942},{"color":259},{"type":196,"attrs":944,"content":945},{"textAlign":25,"key":603},[946],{"text":947,"type":202,"marks":948},"La uniformidad es precisamente el mensaje: las brechas de consolidación y precios son conductuales y pueden cerrarse con disciplina; la volatilidad es estructural, una propiedad de la facturación basada en el uso. Por eso aparece de forma casi idéntica en París, Londres, Berlín y cualquier otro lugar, y por eso no se puede resolver presupuestando una factura basada en el consumo: solo puede gestionarse al añadir una capa de control.",[949],{"type":257,"attrs":950},{"color":259},{"type":196,"attrs":952,"content":953},{"textAlign":25,"key":612},[954],{"text":955,"type":202,"marks":956},"Un límite de gasto con alertas en tiempo real funciona en todos los mercados porque el problema que resuelve existe en todos ellos. Spendesk ayuda a las empresas europeas medianas a resolver sus problemas de gestión del gasto al reunir todo su gasto en un único lugar, para que los equipos financieros ganen control y visibilidad sin convertirse en un cuello de botella.",[957],{"type":257,"attrs":958},{"color":259},{"type":310,"attrs":960,"content":961},{"level":312,"textAlign":25},[962],{"text":963,"type":202},"4. Cómo puede ayudar Spendesk a controlar el gasto",{"type":196,"attrs":965,"content":966},{"textAlign":25,"key":626},[967],{"text":968,"type":202},"La solución no pasa por impedir que los equipos utilicen software o herramientas de IA, sino por hacer que ese gasto sea visible, intencionado y esté vinculado a resultados de negocio. Todo empieza por tener una visión clara y unificada de las suscripciones, las facturas y los pagos con tarjeta, asociando cada herramienta a un responsable, un equipo, una finalidad, una fecha de renovación y, siempre que sea posible, a su uso real. Así, Finanzas puede detectar duplicidades, renovaciones sin gestionar o aumentos inesperados en el uso de IA antes de que se conviertan en un gasto recurrente.",{"type":196,"attrs":970,"content":971},{"textAlign":25,"key":644},[972],{"text":973,"type":202},"El control es especialmente importante cuando el gasto es variable. En el caso del SaaS con costes fijos, los procesos de aprobación y las revisiones antes de cada renovación pueden evitar que se mantengan licencias sin utilizar o herramientas duplicadas. En el caso de la IA basada en consumo, los límites de gasto y las alertas en tiempo real permiten detectar cuanto antes aumentos inusuales. De este modo, Finanzas cuenta con una capa de control práctica sin convertir cada compra en un cuello de botella.",{"type":196,"attrs":975,"content":976},{"textAlign":25,"key":658},[977],{"text":978,"type":202},"Pero la visibilidad solo aporta valor si ayuda a tomar mejores decisiones. El siguiente paso es relacionar el gasto en software e IA con los resultados del negocio: el tiempo ahorrado, el trabajo generado, los clientes atendidos o los ingresos que contribuye a generar. Puede tener sentido mantener una herramienta aunque se solape con otra, siempre que su función esté clara y sea posible medir su valor. La pregunta no debería ser simplemente «¿qué podemos recortar?», sino «¿qué está ayudando a conseguir este gasto para el negocio?». Aquí es donde entra Spendesk, reuniendo pagos, aprobaciones e informes en un mismo lugar para que Finanzas y el resto de los equipos puedan tomar decisiones basadas en una misma visión de los datos.",{"type":196,"attrs":980,"content":982},{"textAlign":25,"key":981},"p-32",[983],{"text":984,"type":202},"Con los controles adecuados, Finanzas puede fomentar la experimentación sin permitir que se convierta en gasto invisible. Los equipos mantienen las herramientas que necesitan y Finanzas conserva el contexto, los límites y la confianza necesarios para ampliar lo que funciona.",{"type":196,"attrs":986,"content":988},{"textAlign":25,"key":987},"p-33",[989,991,998],{"text":990,"type":202},"Ponte en contacto con el ",{"text":992,"type":202,"marks":993},"equipo de Spendesk",[994],{"type":180,"attrs":995},{"href":996,"uuid":25,"anchor":25,"target":997,"linktype":178},"https://spendesk-staging.netlify.app/es/schedule-a-demo/","_self",{"text":999,"type":202}," para obtener más información.",{"type":310,"attrs":1001,"content":1002},{"level":312,"textAlign":25},[1003],{"text":1004,"type":202,"marks":1005},"Preguntas frecuentes",[1006],{"type":524},{"type":196,"attrs":1008},{"textAlign":25,"key":1009},"p-34",{"type":310,"attrs":1011,"content":1013},{"level":1012,"textAlign":25},4,[1014],{"text":1015,"type":202,"marks":1016},"¿Qué es la gestión del gasto en SaaS y por qué es importante para los equipos financieros?",[1017],{"type":524},{"type":196,"attrs":1019,"content":1021},{"textAlign":25,"key":1020},"p-35",[1022],{"text":1023,"type":202},"La gestión del gasto en SaaS consiste en hacer seguimiento, aprobar, controlar y revisar las suscripciones de software de una empresa. Permite a los equipos financieros saber quién es responsable de cada herramienta, cuánto cuesta, si se está utilizando y cuándo debe renovarse. Así, las empresas pueden detectar gasto innecesario, comparar precios y evitar renovaciones que no aportan valor.",{"type":310,"attrs":1025,"content":1026},{"level":1012,"textAlign":25},[1027],{"text":1028,"type":202,"marks":1029},"¿Cuánto gastan las empresas europeas en software SaaS?",[1030],{"type":524},{"type":196,"attrs":1032,"content":1034},{"textAlign":25,"key":1033},"p-36",[1035],{"text":1036,"type":202},"Según el estudio de Spendesk, la empresa europea media de la muestra gasta casi 250.000 € al año en software.",{"type":310,"attrs":1038,"content":1039},{"level":1012,"textAlign":25},[1040],{"text":1041,"type":202,"marks":1042},"¿Cómo pueden los equipos financieros hacer seguimiento de las suscripciones SaaS de distintos departamentos?",[1043],{"type":524},{"type":196,"attrs":1045,"content":1047},{"textAlign":25,"key":1046},"p-37",[1048],{"text":1049,"type":202},"Los equipos financieros deberían contar con una visión centralizada de las facturas, los pagos con tarjeta y las suscripciones recurrentes, vinculando cada herramienta a un departamento, un responsable del gasto, información sobre su uso y una fecha de renovación. Esto permite sustituir hojas de cálculo dispersas por un proceso coherente para supervisar el gasto en software, preparar las renovaciones e identificar oportunidades para consolidar herramientas o renegociar contratos.",{"type":310,"attrs":1051,"content":1052},{"level":1012,"textAlign":25},[1053],{"text":1054,"type":202,"marks":1055},"¿Cómo pueden las empresas detectar y eliminar suscripciones duplicadas o que ya no se utilizan?",[1056],{"type":524},{"type":196,"attrs":1058,"content":1060},{"textAlign":25,"key":1059},"p-38",[1061],{"text":1062,"type":202},"Las empresas pueden comparar proveedores por categoría, revisar el uso y los responsables de cada herramienta e identificar suscripciones sin usuarios activos o sin una finalidad clara para el negocio. En la muestra, el 72 % de las empresas que utilizaban herramientas de IA pagaban por dos o más productos que competían entre sí, mientras que el 64 % de los usuarios de herramientas de diseño mantenían suscripciones en paralelo. Los flujos de aprobación, la asignación de responsables del gasto y las revisiones antes de cada renovación pueden evitar que herramientas sin uso o duplicadas sigan generando costes sin que nadie lo detecte.",{"type":310,"attrs":1064,"content":1065},{"level":1012,"textAlign":25},[1066],{"text":1067,"type":202,"marks":1068},"¿Cómo pueden las tarjetas virtuales y los controles de gasto ayudar a gestionar las suscripciones SaaS y los costes de IA?",[1069],{"type":524},{"type":196,"attrs":1071,"content":1073},{"textAlign":25,"key":1072},"p-39",[1074],{"text":1075,"type":202},"Las tarjetas virtuales y los controles de las tarjetas inteligentes facilitan la identificación y gestión de los cargos recurrentes y de los costes de software basados en el uso. Los equipos financieros pueden establecer límites de gasto, supervisar las transacciones en tiempo real y recibir alertas cuando los costes aumenten de forma inesperada. En el caso de las suscripciones SaaS con costes fijos, las revisiones antes de la renovación y una asignación clara de responsables ayudan a evitar que continúen cargos no autorizados.",{"type":310,"attrs":1077,"content":1078},{"level":1012,"textAlign":25},[1079],{"text":1080,"type":202,"marks":1081},"¿Por qué es más difícil prever el gasto en IA que el gasto tradicional en SaaS?",[1082],{"type":524},{"type":196,"attrs":1084,"content":1086},{"textAlign":25,"key":1085},"p-40",[1087],{"text":1088,"type":202},"El SaaS tradicional suele facturarse mediante una cuota mensual relativamente fija, mientras que muchas herramientas de IA cobran en función del uso. En la muestra, el gasto total en IA aumentó un 340 % en doce meses, mientras que el número de empresas que compraban herramientas de IA apenas varió. Además, las facturas de IA pueden cambiar considerablemente de un mes a otro: la factura mensual más alta llegó a ser hasta ocho veces superior a la más baja, lo que dificulta su gestión mediante un presupuesto fijo tradicional.",{"type":310,"attrs":1090,"content":1091},{"level":1012,"textAlign":25},[1092],{"text":1093,"type":202,"marks":1094},"¿Cómo pueden los equipos financieros controlar el gasto variable en IA y las facturas basadas en el uso?",[1095],{"type":524},{"type":196,"attrs":1097,"content":1099},{"textAlign":25,"key":1098},"p-41",[1100],{"text":1101,"type":202},"El gasto en IA debería gestionarse mediante visibilidad sobre el uso, límites de gasto y alertas en tiempo real, y no únicamente con una partida presupuestaria fija. Estos controles permiten detectar cuanto antes un uso inusual de tokens o una actividad automatizada, antes de que un mes de costes elevados llegue al cierre mensual. Una tarjeta inteligente con límites de gasto y alertas puede añadir una capa adicional de control.",{"type":310,"attrs":1103,"content":1104},{"level":1012,"textAlign":25},[1105],{"text":1106,"type":202,"marks":1107},"¿Qué deberían buscar los equipos financieros en un software de gestión del gasto SaaS?",[1108],{"type":524},{"type":196,"attrs":1110,"content":1112},{"textAlign":25,"key":1111},"p-42",[1113],{"text":1114,"type":202},"Las funcionalidades más útiles incluyen una visión centralizada de las suscripciones, la asignación por responsable del gasto y departamento, flujos de aprobación, alertas de renovación, controles sobre pagos recurrentes, seguimiento del uso, límites de gasto, alertas en tiempo real e informes. En el caso concreto de las herramientas de IA, el sistema debería ofrecer información sobre el consumo para que los equipos financieros pasen de limitarse a registrar el gasto en software a controlar activamente los costes basados en el uso.",{"type":310,"attrs":1116,"content":1117},{"level":312,"textAlign":25},[1118],{"text":1119,"type":202,"marks":1120},"La muestra",[1121],{"type":257,"attrs":1122},{"color":259},{"type":196,"attrs":1124,"content":1126},{"textAlign":25,"key":1125},"p-43",[1127],{"text":1128,"type":202,"marks":1129},"2.500 empresas europeas activas, de junio de 2025 a junio de 2026. Nueve sectores de actividad. Cuatro tramos de tamaño. La composición refleja la distribución de pymes de Eurostat: el 91% de las empresas de nuestra muestra tiene menos de 250 empleados, porque esa es la realidad del tejido empresarial europeo.",[1130],{"type":257,"attrs":1131},{"color":259},{"type":196,"attrs":1133},{"textAlign":25,"key":1134},"p-44",{"type":261,"attrs":1136},{"id":765,"body":1137},[1138],{"_uid":1139,"link":1140,"asset":1141,"caption":90,"component":289},"i-86990de8-789c-474d-bdd4-1d228a02c75d",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":1142,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1143,"copyright":90,"fieldtype":174,"meta_data":1144,"is_external_url":28},226254778262266,"https://a.storyblok.com/f/146026/3840x2496/491053589b/sample-composition-by-size-band.png",{},{"type":196,"attrs":1146},{"textAlign":25,"key":1147},"p-45",{"type":261,"attrs":1149},{"id":765,"body":1150},[1151],{"_uid":1152,"link":1153,"asset":1154,"caption":90,"component":289},"i-dc37671a-a212-4d9f-9791-a313cb89c896",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":1155,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1156,"copyright":90,"fieldtype":174,"meta_data":1157,"is_external_url":28},226255134974744,"https://a.storyblok.com/f/146026/3840x2496/e1e36a4637/sample-composition-by-country.png",{},{"type":196,"attrs":1159},{"textAlign":25,"key":1160},"p-46",{"type":261,"attrs":1162},{"id":765,"body":1163},[1164],{"_uid":1165,"link":1166,"asset":1167,"caption":90,"component":289},"i-fc87e048-b79d-4ce6-b69a-7582d2943ef5",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":1168,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1169,"copyright":90,"fieldtype":174,"meta_data":1170,"is_external_url":28},226255281005385,"https://a.storyblok.com/f/146026/3840x2496/ee51b71795/sample-composition-by-size-band-1.png",{},{"type":196,"attrs":1172},{"textAlign":25,"key":1173},"p-47",{"type":196,"attrs":1175,"content":1177},{"textAlign":25,"key":1176},"p-48",[1178],{"text":1179,"type":202,"marks":1180},"Para modelar las cifras orientativas a escala de mercado, utilizamos las Estadísticas Estructurales de las Empresas de Eurostat, empresas de la UE-27 con entre 50 y 249 personas empleadas, datos provisionales de 2024, que mostraban 250.670 empresas de la UE con entre 50 y 249 empleados.",[1181],{"type":257,"attrs":1182},{"color":259},{"type":310,"attrs":1184,"content":1185},{"level":413,"textAlign":25},[1186],{"text":1187,"type":202,"marks":1188},"El método",[1189,1191],{"type":257,"attrs":1190},{"color":259},{"type":524},{"type":196,"attrs":1193,"content":1195},{"textAlign":25,"key":1194},"p-49",[1196],{"text":1197,"type":202,"marks":1198},"Para medir cómo compran software las empresas europeas y cuánto gastan en él, construimos el universo de proveedores desde cero, a partir de pagos reales, en lugar de comenzar con una lista predefinida de marcas SaaS «conocidas». Trabajamos con un panel fijo de 2.568 empresas europeas (14 países, activas tanto en los canales de pago con tarjeta como de pago mediante factura entre junio de 2025 y junio de 2026), tomamos todos los proveedores a los que pagó cada empresa durante el periodo de doce meses y dejamos que fueran los propios datos los que revelaran el conjunto de proveedores.",[1199],{"type":257,"attrs":1200},{"color":259},{"type":196,"attrs":1202,"content":1204},{"textAlign":25,"key":1203},"p-50",[1205],{"text":1206,"type":202,"marks":1207},"Los dos canales de pago contienen información diferente, y utilizamos ambos:",[1208],{"type":257,"attrs":1209},{"color":259},{"type":1211,"content":1212},"bullet_list",[1213,1225],{"type":1214,"content":1215},"list_item",[1216],{"type":196,"attrs":1217,"content":1219},{"textAlign":25,"key":1218},"p-51",[1220],{"text":1221,"type":202,"marks":1222},"Los pagos de facturas o transferencias incluyen una identidad normalizada del proveedor, que unificamos bajo un único proveedor canónico (agrupando entidades legales regionales y registros duplicados; por ejemplo, los cuatro identificadores internos de proveedor de OpenAI se fusionan en uno).",[1223],{"type":257,"attrs":1224},{"color":259},{"type":1214,"content":1226},[1227],{"type":196,"attrs":1228,"content":1230},{"textAlign":25,"key":1229},"p-52",[1231],{"text":1232,"type":202,"marks":1233},"Las transacciones con tarjeta solo incluyen un descriptor comercial de texto libre (por ejemplo, OPENAI *CHATGPT SUBSCR o CLAUDE.AI SUBSCRIPTION), que normalizamos con los mismos nombres canónicos de proveedor.",[1234],{"type":257,"attrs":1235},{"color":259},{"type":196,"attrs":1237,"content":1239},{"textAlign":25,"key":1238},"p-53",[1240],{"text":1241,"type":202,"marks":1242},"A continuación, eliminamos las categorías no relacionadas con el software, como publicidad, RR. HH., nóminas y beneficios, viajes y movilidad, suministros, telecomunicaciones, servicios postales, banca, seguros y arrendamiento, hardware y comercio minorista, y conservamos únicamente los proveedores que alcanzaban al menos 20 empresas distintas del panel, un umbral que filtra las contrapartes puntuales con muy poca presencia en la muestra profesionales autónomos, arrendadores y servicios locales) y mantiene las herramientas verticales y regionales relevantes.",[1243],{"type":257,"attrs":1244},{"color":259},{"type":196,"attrs":1246,"content":1248},{"textAlign":25,"key":1247},"p-54",[1249],{"text":1250,"type":202,"marks":1251},"El resultado es un registro de 380 proveedores de software identificados, unificado a partir de ambos canales: 112 proveedores que aparecen tanto en tarjeta como en factura, 265 exclusivos de factura y 3 exclusivos de tarjeta. Combinar ambos canales es especialmente importante para las herramientas de IA, diseño y desarrollo, que se pagan principalmente con tarjeta y, por tanto, quedarían infrarrepresentadas en una visión basada solo en facturas; por ejemplo, las tarjetas representan aproximadamente dos tercios del gasto en Anthropic y la gran mayoría del gasto en GitHub.",[1252],{"type":257,"attrs":1253},{"color":259},{"type":196,"attrs":1255,"content":1257},{"textAlign":25,"key":1256},"p-55",[1258,1264],{"text":1259,"type":202,"marks":1260},"Advertencias.",[1261,1263],{"type":257,"attrs":1262},{"color":259},{"type":524},{"text":1265,"type":202,"marks":1266}," La clasificación de proveedores se basa en reglas; estimamos que un residuo de aproximadamente el 10–15% de los proveedores de larga cola o con poca presencia no es software y ha eludido los filtros de categoría (revendedores de servicios informáticos, proveedores de EOR y mayoristas de productos electrónicos). La atribución de las tarjetas depende de la coincidencia del texto comercial, por lo que una pequeña parte del SaaS pagado con tarjeta y con descriptores crípticos queda infrarrepresentada, pero no se atribuye erróneamente. Esto no afecta de forma significativa a las conclusiones por proveedor ni a las específicas de IA que se presentan a continuación.",[1267],{"type":257,"attrs":1268},{"color":259},{"type":196,"attrs":1270},{"textAlign":25,"key":1271},"p-56",{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":1278,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":1287,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":1291,"default_full_slug":1292,"translated_slugs":1293,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1279,"icon":1280,"name":1273,"component":1284},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"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",[1294,1295,1296],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],[1300],{"cta":1301,"_uid":1316,"image":1317,"title":1321,"subtitle":1334,"component":1335},[1302],{"tag":90,"_uid":1303,"hide":28,"icon":1304,"link":1306,"type":90,"label":1315,"style":278,"component":182,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8bbcd253-afec-4862-bcd7-d257d900daac",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":174,"meta_data":1305},{},{"id":1307,"url":90,"linktype":284,"fieldtype":179,"cached_url":1308,"prep":41,"story":1309},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/es/schedule-a-demo/",{"name":1310,"id":1311,"uuid":1307,"slug":1312,"url":1313,"full_slug":1314,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Book a demo","d6338e95-96c3-4d35-af35-b928b3b0d7ca",{"id":1318,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1319,"copyright":90,"fieldtype":174,"meta_data":1320,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":192,"attrs":1322,"content":1323},{"backgroundColor":25},[1324],{"type":196,"attrs":1325,"content":1326},{"textAlign":25,"key":198},[1327],{"text":1328,"type":202,"marks":1329},"Built for European businesses",[1330],{"type":1331,"attrs":1332},"styled",{"class":1333},"text-item-heading text-item-heading-sm","Manage cards, expenses and invoices with a platform designed for Europe","ctaBlock","2026-05-04 00:00",[1338],{"_uid":1339,"type":90,"asset":1340,"caption":90,"overlay":1344,"component":289},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":1341,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1342,"copyright":90,"fieldtype":174,"meta_data":1343,"is_external_url":28},226364352573604,"https://a.storyblok.com/f/146026/2220x1461/344bc7874e/blog-es.png",{},[],"Las empresas europeas podrían estar pagando de más 7.000 millones de euros al año por SaaS, mientras que las facturas de IA ya varían un 61 % de un mes a otro. Descubre los datos europeos de gasto de Spendesk correspondientes a 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2772,2773],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2775],{"cta":2776,"_uid":2777,"items":2778,"heading":2893,"reverse":28,"component":2914,"sectionSettings":2915},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2779,2836],{"_uid":2780,"title":2781,"component":2782,"description":2783},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?","faqItem",{"type":192,"content":2784},[2785,2790,2816,2821,2826,2831],{"type":196,"attrs":2786,"content":2787},{"textAlign":25},[2788],{"text":2789,"type":202},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":2791,"attrs":2792,"content":2794},"ordered_list",{"order":2793},1,[2795,2802,2809],{"type":1214,"content":2796},[2797],{"type":196,"attrs":2798,"content":2799},{"textAlign":25},[2800],{"text":2801,"type":202},"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":1214,"content":2803},[2804],{"type":196,"attrs":2805,"content":2806},{"textAlign":25},[2807],{"text":2808,"type":202},"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":1214,"content":2810},[2811],{"type":196,"attrs":2812,"content":2813},{"textAlign":25},[2814],{"text":2815,"type":202},"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":196,"attrs":2817,"content":2818},{"textAlign":25},[2819],{"text":2820,"type":202},"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":196,"attrs":2822,"content":2823},{"textAlign":25},[2824],{"text":2825,"type":202},"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":196,"attrs":2827,"content":2828},{"textAlign":25},[2829],{"text":2830,"type":202},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":196,"attrs":2832,"content":2833},{"textAlign":25},[2834],{"text":2835,"type":202},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2837,"title":2838,"component":2782,"description":2839},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":192,"content":2840},[2841,2846,2858,2863,2873,2878,2883,2888],{"type":196,"attrs":2842,"content":2843},{"textAlign":25},[2844],{"text":2845,"type":202},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":196,"attrs":2864,"content":2865},{"textAlign":25},[2866,2870,2871],{"text":2867,"type":202,"marks":2868},"Para los equipos financieros",[2869],{"type":524},{"type":856},{"text":2872,"type":202},"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":196,"attrs":2874,"content":2875},{"textAlign":25},[2876],{"text":2877,"type":202},"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":196,"attrs":2879,"content":2880},{"textAlign":25},[2881],{"text":2882,"type":202},"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":196,"attrs":2884,"content":2885},{"textAlign":25},[2886],{"text":2887,"type":202},"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":196,"attrs":2889,"content":2890},{"textAlign":25},[2891],{"text":2892,"type":202},"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 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También pueden deberse a entregas parciales, cargos adicionales, facturas duplicadas o ausencia de una referencia de compra.",{"_uid":2988,"title":2989,"component":2782,"description":2990},"f2ea5888-1a9c-4809-93af-11f1b6c973ee","¿Qué ocurre cuando una factura no coincide con el pedido?",{"type":192,"content":2991},[2992],{"type":196,"attrs":2993,"content":2994},{"textAlign":25},[2995],{"text":2996,"type":202},"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":2998,"title":2999,"component":2782,"description":3000},"218ef5e9-c908-40c4-85d5-b84fdf1922ca","¿Cuáles son los errores de codificación más frecuentes?",{"type":192,"content":3001},[3002],{"type":196,"attrs":3003,"content":3004},{"textAlign":25},[3005],{"text":3006,"type":202},"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. 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La conciliación bancaria comprueba después si los movimientos de la cuenta coinciden con los apuntes contables.",{"_uid":3028,"title":3029,"component":2782,"description":3030},"dab1bc41-9b1b-454e-8ce4-bc7933606b9a","¿Cómo puede ayudar Spendesk con la conciliación de facturas?",{"type":192,"content":3031},[3032],{"type":196,"attrs":3033,"content":3034},{"textAlign":25},[3035],{"text":3036,"type":202},"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. 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La IA puede leer documentos, extraer información y sugerir categorías o cuentas, pero el equipo financiero debe revisar y confirmar los datos cuando sea necesario.",{"_uid":3138,"title":3139,"component":2782,"description":3140},"3d636006-7eb8-4147-befb-dfcf4a190a3d","¿Cuándo basta un conector ligero y cuándo conviene utilizar SAP o NetSuite?",{"type":192,"content":3141},[3142],{"type":196,"attrs":3143,"content":3144},{"textAlign":25},[3145],{"text":3146,"type":202},"Un conector ligero puede ser suficiente para una empresa con una entidad y procesos contables estándar. SAP o NetSuite pueden resultar más adecuados cuando existen varias entidades, divisas, consolidación de grupo o flujos personalizados. La decisión depende de la complejidad real del negocio.",{"_uid":3148,"title":3149,"component":2782,"description":3150},"96008d9e-662d-41d1-b297-fc59a22f06b4","¿Cuánto tarda una integración con un ERP?",{"type":192,"content":3151},[3152],{"type":196,"attrs":3153,"content":3154},{"textAlign":25},[3155],{"text":3156,"type":202},"No existe un plazo único. Una conexión estándar suele requerir menos tiempo que un proyecto personalizado, mientras que una integración con varias entidades y estructuras contables complejas puede necesitar varias fases de análisis, configuración y validación.",{"_uid":3158,"title":3159,"component":2782,"description":3160},"34b2f188-09bd-4f3e-92c3-8c7711249b3f","¿La integración con un ERP garantiza el cumplimiento fiscal?",{"type":192,"content":3161},[3162],{"type":196,"attrs":3163,"content":3164},{"textAlign":25},[3165],{"text":3166,"type":202},"No. Puede mejorar la trazabilidad, organizar la documentación y facilitar la revisión, pero no determina por sí sola el tratamiento fiscal ni garantiza el cumplimiento de las obligaciones aplicables.",{"_uid":3168,"title":3169,"component":2782,"description":3170},"1e92712a-5d22-4c86-9cd4-0becd4a43076","¿Qué diferencia hay entre integrar un ERP y exportar un archivo contable?",{"type":192,"content":3171},[3172],{"type":196,"attrs":3173,"content":3174},{"textAlign":25},[3175],{"text":3176,"type":202},"Una exportación traslada información en un momento concreto y suele requerir más trabajo manual. Una integración puede mantener conectados determinados datos y procesos, aunque el alcance depende de las herramientas, la configuración y las reglas definidas por la empresa.",{"_uid":3178,"title":3179,"component":2782,"description":3180},"1e1e84ba-2641-4965-9c29-09bfd625c77c","¿Cómo puede ayudar Spendesk a integrar la gestión del gasto con la contabilidad?",{"type":192,"content":3181},[3182],{"type":196,"attrs":3183,"content":3184},{"textAlign":25},[3185],{"text":3186,"type":202},"Spendesk no es un ERP: resuelve lo que un ERP no está diseñado para hacer bien. Un ERP centraliza la contabilidad, pero el gasto nace fuera de él, en tarjetas, facturas y solicitudes dispersas. Spendesk captura esa información desde el origen, con OCR, flujos de aprobación y reglas de codificación, y la entrega al ERP ya organizada, en lugar de que el equipo financiero la reconstruya línea por línea en cada cierre. 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Normalmente tiene en cuenta el importe, la categoría, el rol de la persona aprobadora y la entidad responsable del pago.",{"_uid":3278,"title":3279,"component":2782,"description":3280},"6f9929d2-5ab2-430a-b77d-ffa70e67cd75","¿Cómo se definen los límites de gasto?",{"type":192,"content":3281},[3282],{"type":196,"attrs":3283,"content":3284},{"textAlign":25},[3285],{"text":3286,"type":202},"Los límites pueden establecerse por transacción, periodo, tarjeta, categoría, proyecto o centro de costes. Deben reflejar el nivel de responsabilidad de cada rol y la política de gastos de la empresa.",{"_uid":3288,"title":3289,"component":2782,"description":3290},"ecce9840-c4f9-4b0c-804e-c284215ef2b9","¿Cuántos niveles de aprobación debe tener una empresa?",{"type":192,"content":3291},[3292],{"type":196,"attrs":3293,"content":3294},{"textAlign":25},[3295],{"text":3296,"type":202},"Depende del tamaño, la estructura y el nivel de riesgo de las compras. Los gastos recurrentes y de bajo importe pueden seguir un flujo sencillo, mientras que las compras excepcionales o de mayor impacto pueden requerir una aprobación adicional.",{"_uid":3298,"title":3299,"component":2782,"description":3300},"8b096212-44fc-4963-8cc7-175e6a8566f9","¿Cómo se aplican las aprobaciones a las tarjetas corporativas?",{"type":192,"content":3301},[3302],{"type":196,"attrs":3303,"content":3304},{"textAlign":25},[3305],{"text":3306,"type":202},"La empresa configura límites y reglas de uso para cada tarjeta. Cuando una compra supera el límite o pertenece a una categoría que requiere revisión, el flujo puede exigir una aprobación previa antes de completar el gasto, según la configuración disponible.",{"_uid":3308,"title":3309,"component":2782,"description":3310},"dabcbc53-35a6-4e09-93b3-29b282d686d5","¿Cómo se relacionan las aprobaciones con las facturas y la contabilidad?",{"type":192,"content":3311},[3312],{"type":196,"attrs":3313,"content":3314},{"textAlign":25},[3315],{"text":3316,"type":202},"La información de la solicitud, la aprobación, la factura y la documentación asociada puede mantenerse en un mismo flujo. 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La revisión debe centrarse en el uso, el coste y la contribución de cada partida.",{"_uid":3689,"title":3690,"component":2782,"description":3691},"4cd163a8-1744-49bd-984c-804f46006c58","¿Cómo puedo crear una política de gastos sencilla para mi equipo?",{"type":192,"content":3692},[3693],{"type":196,"attrs":3694,"content":3695},{"textAlign":25},[3696],{"text":3697,"type":202},"Define qué gastos están permitidos, quién puede realizarlos, qué límites se aplican y qué documentación debe aportarse. La política debe ser breve, fácil de consultar y coherente con los procesos de aprobación de la empresa.",{"_uid":3699,"title":3700,"component":2782,"description":3701},"b793b297-23a0-4b4b-adac-c49c4f5822ad","¿Cómo ayudan las tarjetas de empresa con límites a controlar el gasto?",{"type":192,"content":3702},[3703],{"type":196,"attrs":3704,"content":3705},{"textAlign":25},[3706],{"text":3707,"type":202},"Permiten asignar medios de pago a personas, equipos o usos concretos y establecer reglas de gasto. De este modo, la empresa puede ofrecer autonomía sin depender de una tarjeta compartida y conservar más información sobre cada operación.",{"_uid":3709,"title":3710,"component":2782,"description":3711},"d5bda4a3-f968-4c9c-b0da-2424d0cf11d0","¿Qué son los costes ocultos y cómo se detectan?",{"type":192,"content":3712},[3713],{"type":196,"attrs":3714,"content":3715},{"textAlign":25},[3716],{"text":3717,"type":202},"Son gastos que pasan desapercibidos porque están repartidos entre distintos proveedores, tarjetas o equipos. Pueden incluir suscripciones duplicadas, servicios poco utilizados, renovaciones no revisadas o tareas manuales que consumen tiempo. Para detectarlos, reúne la información y revisa periódicamente los proveedores, las categorías y los contratos.",{"_uid":3719,"title":3720,"component":2782,"description":3721},"3848c13b-31f3-48a7-a6c2-56e21729f332","¿Cada cuánto debería revisar los gastos de la empresa?",{"type":192,"content":3722},[3723],{"type":196,"attrs":3724,"content":3725},{"textAlign":25},[3726],{"text":3727,"type":202},"La frecuencia depende del volumen y de la complejidad del gasto. Conviene realizar un seguimiento periódico del presupuesto y programar revisiones específicas para suscripciones, proveedores y categorías con mayor riesgo de desviación.",{"_uid":3729,"title":3730,"component":2782,"description":3731},"8fac8245-7026-4cf6-9f52-a137f0028bd2","¿Puede Spendesk ayudar a controlar los gastos de una empresa pequeña?",{"type":192,"content":3732},[3733],{"type":196,"attrs":3734,"content":3735},{"textAlign":25},[3736],{"text":3737,"type":202},"Spendesk puede ayudar a centralizar tarjetas, gastos, justificantes y aprobaciones en una única plataforma. También permite organizar la información y preparar determinados datos para los procesos financieros, según la configuración disponible. La empresa sigue siendo responsable de definir sus políticas y revisar el tratamiento contable o fiscal que corresponda.",[3739],{"cta":3740,"_uid":3741,"title":3742,"eyebrow":3748,"subtitle":3753,"component":310,"textAlign":90,"flexibleSection":3758,"sectionSettings":3759,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"6606771b-bf0b-4858-b568-51d131a81ccf",{"type":192,"content":3743},[3744],{"type":310,"attrs":3745,"content":3746},{"level":312,"textAlign":25},[3747],{"text":1004,"type":202},{"type":192,"content":3749},[3750],{"type":196,"attrs":3751,"content":3752},{"textAlign":25},[],{"type":192,"content":3754},[3755],{"type":196,"attrs":3756,"content":3757},{"textAlign":25},[],[],[],"como-reducir-gastos-empresa-pequena","es/blog/como-reducir-gastos-empresa-pequena",-3280,[],"c901d782-f217-4052-8c7c-81cd7c60104a","2026-09-07T10:54:05.185Z",[],"blog/como-reducir-gastos-empresa-pequena",[3769,3770,3771],{"path":3767,"name":25,"lang":37,"published":25},{"path":3767,"name":25,"lang":39,"published":25},{"path":3767,"name":25,"lang":32,"published":25},{"name":3773,"created_at":3774,"published_at":3775,"updated_at":3776,"id":3777,"uuid":3778,"content":3779,"slug":3890,"full_slug":3891,"sort_by_date":25,"position":3892,"tag_list":3893,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":3894,"first_published_at":3895,"release_id":25,"lang":32,"path":25,"alternates":3896,"default_full_slug":3897,"translated_slugs":3898},"Alta y validación de proveedores: proceso y controles para empresas","2026-09-07T09:57:24.260Z","2026-09-10T13:34:20.089Z","2026-09-10T13:34:20.109Z",217437979731415,"316b4a37-b88b-450b-a3fa-b3d9b2895a9a",{"_uid":3780,"title":3773,"topics":3781,"noIndex":28,"category":3782,"language":3791,"component":1285,"heroMedia":3792,"metaTitle":3793,"publishedAt":3662,"readingTime":3541,"redirectUrl":90,"listingImage":3794,"metaDescription":3802,"bottomArticleCta":3803,"componentsAfterTheArticle":3804},"dc127bec-7dc7-49b0-990c-51171b2863cb",[],{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":3783,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":3785,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":3786,"default_full_slug":1292,"translated_slugs":3787,"_stopResolving":41},{"_uid":1279,"icon":3784,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[3788,3789,3790],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"Alta y validación de proveedores: proceso y controles para e",[3795],{"_uid":3796,"link":3797,"asset":3798,"caption":90,"component":289},"d871b5fd-d4b4-468e-b77e-8dc3cb10b910",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":3799,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3800,"copyright":90,"fieldtype":174,"meta_data":3801,"is_external_url":28},218552924947263,"https://a.storyblok.com/f/146026/1672x941/d91d8d9aaf/alta-y-validacion-de-proveedores.png",{"size":3120},"La gestión de proveedores empieza antes de la primera compra, en el maestro de proveedores: el registro donde se almacenan, validan y mantienen los datos de cad",[],[3805],{"_uid":3806,"items":3807,"heading":3868,"component":2914},"d79e7174-ab50-4538-a0d0-d4334a51b20d",[3808,3818,3828,3838,3848,3858],{"_uid":3809,"title":3810,"component":2782,"description":3811},"2c0ed4f2-47f7-48d2-af6a-357bf4673b2f","¿Qué debe incluir una ficha de proveedor?",{"type":192,"content":3812},[3813],{"type":196,"attrs":3814,"content":3815},{"textAlign":25},[3816],{"text":3817,"type":202},"Como mínimo, debería incluir la denominación legal, el NIF, los datos de contacto y la información necesaria para la relación comercial. Según el tipo de proveedor, también puede incorporar datos bancarios, documentación, categoría, criticidad, responsable interno y fechas de revisión.",{"_uid":3819,"title":3820,"component":2782,"description":3821},"0350c7f5-1839-4431-a142-3fc7b983e99a","¿Cuál es la diferencia entre alta y homologación de proveedores?",{"type":192,"content":3822},[3823],{"type":196,"attrs":3824,"content":3825},{"textAlign":25},[3826],{"text":3827,"type":202},"El alta crea el registro del proveedor en el sistema. La homologación o selección evalúa si cumple los requisitos definidos por la empresa antes de iniciar o ampliar la relación comercial. No todos los proveedores necesitan el mismo nivel de homologación.",{"_uid":3829,"title":3830,"component":2782,"description":3831},"c82617ba-f003-431c-953b-95d76350f75d","¿Cómo se puede validar el IBAN de un proveedor?",{"type":192,"content":3832},[3833],{"type":196,"attrs":3834,"content":3835},{"textAlign":25},[3836],{"text":3837,"type":202},"La validación del formato ayuda a detectar errores de escritura, pero no confirma la titularidad de la cuenta. Para reducir riesgos, los cambios deben contrastarse por un canal independiente y aprobarse siguiendo un procedimiento separado de la introducción de los datos.",{"_uid":3839,"title":3840,"component":2782,"description":3841},"bf709b08-8c75-42bf-91f5-1c3ea8e1cb5d","¿Quién debería aprobar el alta de un proveedor?",{"type":192,"content":3842},[3843],{"type":196,"attrs":3844,"content":3845},{"textAlign":25},[3846],{"text":3847,"type":202},"Depende del tamaño de la empresa, del tipo de proveedor y del nivel de riesgo. Como buena práctica, la persona que crea la ficha no debería ser la única que la aprueba, especialmente cuando incluye datos bancarios o documentación sensible.",{"_uid":3849,"title":3850,"component":2782,"description":3851},"3f17b759-0000-466f-807a-2dc1a5ffa7c8","¿Cada cuánto hay que revisar el maestro de proveedores?",{"type":192,"content":3852},[3853],{"type":196,"attrs":3854,"content":3855},{"textAlign":25},[3856],{"text":3857,"type":202},"La frecuencia debe adaptarse a la criticidad del proveedor y a la información que se gestiona. También conviene revisar una ficha cuando se modifica la cuenta bancaria, cambia la situación del proveedor, vence una acreditación o se produce una incidencia.",{"_uid":3859,"title":3860,"component":2782,"description":3861},"9990f708-6630-4cfd-b309-f8712d6c7851","¿Puede Spendesk ayudar a gestionar la información de proveedores?",{"type":192,"content":3862},[3863],{"type":196,"attrs":3864,"content":3865},{"textAlign":25},[3866],{"text":3867,"type":202},"Spendesk puede ayudar a centralizar y gestionar información de proveedores dentro de los módulos y planes aplicables, y a relacionarla con determinados procesos de compras. El alcance depende de la configuración de la cuenta, y la empresa debe mantener sus propios criterios de validación y aprobación.",[3869],{"cta":3870,"_uid":3871,"title":3872,"eyebrow":3878,"subtitle":3883,"component":310,"textAlign":90,"flexibleSection":3888,"sectionSettings":3889,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"2a62ff10-a0f9-4db6-9f79-557fb5b5c4cb",{"type":192,"content":3873},[3874],{"type":310,"attrs":3875,"content":3876},{"level":312,"textAlign":25},[3877],{"text":1004,"type":202},{"type":192,"content":3879},[3880],{"type":196,"attrs":3881,"content":3882},{"textAlign":25},[],{"type":192,"content":3884},[3885],{"type":196,"attrs":3886,"content":3887},{"textAlign":25},[],[],[],"alta-y-validacion-de-proveedores","es/blog/alta-y-validacion-de-proveedores",-3270,[],"15613e0b-49aa-422c-a3a4-a94c437578d5","2026-09-07T09:57:24.321Z",[],"blog/alta-y-validacion-de-proveedores",[3899,3900,3901],{"path":3897,"name":25,"lang":37,"published":25},{"path":3897,"name":25,"lang":39,"published":25},{"path":3897,"name":25,"lang":32,"published":25},{"name":3903,"created_at":3904,"published_at":3905,"updated_at":3906,"id":3907,"uuid":3908,"content":3909,"slug":4030,"full_slug":4031,"sort_by_date":25,"position":4032,"tag_list":4033,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":4034,"first_published_at":4035,"release_id":25,"lang":32,"path":25,"alternates":4036,"default_full_slug":4037,"translated_slugs":4038},"Control de gastos de obra: métodos y herramientas para empresas de construcción","2026-09-07T09:57:03.113Z","2026-09-10T13:28:32.629Z","2026-09-10T13:28:32.648Z",217437893113299,"c175d815-10a6-4fe7-b237-26885adce75b",{"_uid":3910,"title":3903,"topics":3911,"noIndex":28,"category":3912,"language":3921,"component":1285,"heroMedia":3922,"metaTitle":3923,"publishedAt":90,"readingTime":3252,"redirectUrl":90,"listingImage":3924,"metaDescription":3932,"bottomArticleCta":3933,"componentsAfterTheArticle":3934},"cf41967d-2efb-4c7d-a728-36f380a4d801",[],{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":3913,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":3915,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":3916,"default_full_slug":1292,"translated_slugs":3917,"_stopResolving":41},{"_uid":1279,"icon":3914,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[3918,3919,3920],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"Control de gastos de obra: métodos y herramientas para empre",[3925],{"_uid":3926,"link":3927,"asset":3928,"caption":90,"component":289},"4d74f152-7e0b-4b60-88e4-c19684d4d7b9",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":3929,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3930,"copyright":90,"fieldtype":174,"meta_data":3931,"is_external_url":28},218551279067848,"https://a.storyblok.com/f/146026/1672x941/1dfd562979/control-de-gastos-en-obras.png",{},"El control de gastos de obra permite saber si cada proyecto se mantiene dentro del presupuesto mientras la obra sigue en marcha. En una empresa de construcción,",[],[3935],{"_uid":3936,"items":3937,"heading":4008,"component":2914},"75696efb-29e3-4382-90bb-25fa12909a62",[3938,3948,3958,3968,3978,3988,3998],{"_uid":3939,"title":3940,"component":2782,"description":3941},"e9f741c8-7555-44ce-8309-03fcd194c8a0","¿Cada cuánto conviene actualizar el control de gastos de una obra?",{"type":192,"content":3942},[3943],{"type":196,"attrs":3944,"content":3945},{"textAlign":25},[3946],{"text":3947,"type":202},"Lo ideal es actualizarlo cada vez que se adquiere un compromiso o se realiza un pago. Además, conviene revisar periódicamente la evolución de cada partida para detectar desviaciones mientras todavía se pueden corregir.",{"_uid":3949,"title":3950,"component":2782,"description":3951},"4b686f3d-f9cc-469a-8e5b-e407c73faa06","¿Qué diferencia hay entre coste comprometido y coste real en una obra?",{"type":192,"content":3952},[3953],{"type":196,"attrs":3954,"content":3955},{"textAlign":25},[3956],{"text":3957,"type":202},"El coste comprometido corresponde a importes que la empresa ya ha contratado o pedido, aunque todavía no los haya pagado o recibido en factura. El coste real registrado refleja los gastos que ya se han reconocido o incorporado al sistema de control.",{"_uid":3959,"title":3960,"component":2782,"description":3961},"f3c959f4-72e1-4020-b40f-68eb0fcbb553","¿Cómo se controlan los gastos de subcontratas en obra?",{"type":192,"content":3962},[3963],{"type":196,"attrs":3964,"content":3965},{"textAlign":25},[3966],{"text":3967,"type":202},"El importe debe incorporarse al seguimiento cuando se formaliza el contrato o se adquiere el compromiso. Después, las certificaciones y facturas pueden revisarse frente a los trabajos ejecutados y a las condiciones acordadas.",{"_uid":3969,"title":3970,"component":2782,"description":3971},"bb705a66-d7d9-4da9-a342-d0cb7b57fe0f","¿Cómo gestionar la caja chica en una empresa con varios centros de trabajo?",{"type":192,"content":3972},[3973],{"type":196,"attrs":3974,"content":3975},{"textAlign":25},[3976],{"text":3977,"type":202},"Una alternativa consiste en reducir el uso de efectivo y utilizar medios de pago corporativos con límites y reglas de uso. Cada gasto debe quedar asociado al centro de trabajo, la obra o la partida correspondiente, según la política de la empresa.",{"_uid":3979,"title":3980,"component":2782,"description":3981},"34665bdf-7375-4425-9b4c-9e22725c328c","¿Cómo controlar los gastos de viaje de los equipos de campo?",{"type":192,"content":3982},[3983],{"type":196,"attrs":3984,"content":3985},{"textAlign":25},[3986],{"text":3987,"type":202},"Conviene definir qué gastos están permitidos, qué documentación debe conservarse y cómo se imputa cada gasto a la obra. La captura desde el móvil permite registrar dietas, peajes, aparcamientos y repostajes más cerca del momento del pago.",{"_uid":3989,"title":3990,"component":2782,"description":3991},"267fb6d2-219a-4e89-a61a-69e20002d3c9","¿Puede Spendesk ayudar a controlar los gastos por obra?",{"type":192,"content":3992},[3993],{"type":196,"attrs":3994,"content":3995},{"textAlign":25},[3996],{"text":3997,"type":202},"Spendesk puede ayudar a centralizar transacciones, tarjetas, justificantes y solicitudes de gasto. Si la cuenta está configurada con los proyectos o centros de coste adecuados, el equipo puede organizar y revisar la información de cada obra dentro del flujo definido por la empresa. La imputación y la revisión final deben ajustarse a los procedimientos internos.",{"_uid":3999,"title":4000,"component":2782,"description":4001},"d11b87ae-e95c-4f24-86ad-25d376063559","¿Cómo crear una política de gastos más eficiente en una empresa de construcción?",{"type":192,"content":4002},[4003],{"type":196,"attrs":4004,"content":4005},{"textAlign":25},[4006],{"text":4007,"type":202},"Define quién puede aprobar cada importe, qué gastos están permitidos, qué medios de pago deben utilizarse y qué justificantes son necesarios. La política debe ser clara, aplicable al trabajo de campo y compatible con los procesos de aprobación y revisión de la empresa.",[4009],{"cta":4010,"_uid":4011,"title":4012,"eyebrow":4018,"subtitle":4023,"component":310,"textAlign":90,"flexibleSection":4028,"sectionSettings":4029,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"a2a96f80-279b-4aa2-8830-3b16a865ace0",{"type":192,"content":4013},[4014],{"type":310,"attrs":4015,"content":4016},{"level":312,"textAlign":25},[4017],{"text":1004,"type":202},{"type":192,"content":4019},[4020],{"type":196,"attrs":4021,"content":4022},{"textAlign":25},[],{"type":192,"content":4024},[4025],{"type":196,"attrs":4026,"content":4027},{"textAlign":25},[],[],[],"control-de-gastos-en-obras","es/blog/control-de-gastos-en-obras",-3260,[],"e4267111-1ab3-48ab-8054-df809df980eb","2026-09-07T09:57:03.183Z",[],"blog/control-de-gastos-en-obras",[4039,4040,4041],{"path":4037,"name":25,"lang":37,"published":25},{"path":4037,"name":25,"lang":39,"published":25},{"path":4037,"name":25,"lang":32,"published":25},{"name":4043,"created_at":4044,"published_at":4045,"updated_at":4046,"id":4047,"uuid":4048,"content":4049,"slug":4178,"full_slug":4179,"sort_by_date":25,"position":4180,"tag_list":4181,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":4182,"first_published_at":4183,"release_id":25,"lang":32,"path":25,"alternates":4184,"default_full_slug":4185,"translated_slugs":4186},"Factura rectificativa y factura de abono: diferencias, validación y contabilización","2026-09-02T13:33:00.164Z","2026-09-10T13:22:06.135Z","2026-09-10T13:22:06.169Z",215721493195948,"aa64d024-d65f-4f59-95d8-bb6badf065e3",{"_uid":4050,"title":4043,"topics":4051,"noIndex":28,"category":4060,"language":4069,"component":1285,"heroMedia":4070,"metaTitle":4071,"publishedAt":90,"readingTime":3111,"redirectUrl":90,"listingImage":4072,"metaDescription":4080,"bottomArticleCta":4081,"componentsAfterTheArticle":4082},"f6cff6c2-58ed-444f-90f2-f5bd8b090c73",[4052],{"name":1468,"created_at":2930,"published_at":2931,"updated_at":2932,"id":2933,"uuid":2934,"content":4053,"slug":2937,"full_slug":2938,"sort_by_date":25,"position":2939,"tag_list":4054,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":2941,"first_published_at":2942,"release_id":25,"lang":32,"path":25,"alternates":4055,"default_full_slug":2944,"translated_slugs":4056,"_stopResolving":41},{"_uid":2936,"name":1468,"component":22},[],[],[4057,4058,4059],{"path":2944,"name":25,"lang":37,"published":25},{"path":2944,"name":25,"lang":39,"published":25},{"path":2944,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":4061,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":4063,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":4064,"default_full_slug":1292,"translated_slugs":4065,"_stopResolving":41},{"_uid":1279,"icon":4062,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[4066,4067,4068],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"Factura rectificativa y factura de abono: diferencias, valid",[4073],{"_uid":4074,"link":4075,"asset":4076,"caption":90,"component":289},"0d40a296-517d-4c9b-88bc-6887116d798d",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":4077,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4078,"copyright":90,"fieldtype":174,"meta_data":4079,"is_external_url":28},218549414806032,"https://a.storyblok.com/f/146026/1672x941/793d193cf8/factura-rectificativa-y-factura-de-abono.png",{"size":3120},"Diferencias entre factura rectificativa y factura de abono, qué revisar antes de registrarla y cómo afecta al IVA soportado, a la contabilidad y al SII.",[],[4083],{"_uid":4084,"items":4085,"heading":4156,"component":2914},"a8cc71ee-c754-40da-9b7b-c0dd5135ce95",[4086,4096,4106,4116,4126,4136,4146],{"_uid":4087,"title":4088,"component":2782,"description":4089},"d66795d8-0cbf-4012-a31e-c1e7905c1c9e","¿Es lo mismo una factura de abono que una factura rectificativa?",{"type":192,"content":4090},[4091],{"type":196,"attrs":4092,"content":4093},{"textAlign":25},[4094],{"text":4095,"type":202},"No son necesariamente términos jurídicos equivalentes. «Factura de abono» suele utilizarse como expresión comercial para referirse a una factura rectificativa que reduce una operación anterior. Para que tenga efectos fiscales, el documento debe cumplir los requisitos aplicables a una factura rectificativa.",{"_uid":4097,"title":4098,"component":2782,"description":4099},"fbcd0330-b3e5-4580-9bef-d8f10fb93f5f","¿Qué información debe incluir una factura rectificativa?",{"type":192,"content":4100},[4101],{"type":196,"attrs":4102,"content":4103},{"textAlign":25},[4104],{"text":4105,"type":202},"Debe identificar que se trata de una factura rectificativa, relacionarla con la factura original y explicar el motivo de la corrección. También debe mostrar los importes corregidos o la diferencia correspondiente, además del resto de datos fiscales exigidos.",{"_uid":4107,"title":4108,"component":2782,"description":4109},"a29099c0-5e69-4c28-87a7-6404d64e9354","¿Cuál es la diferencia entre una rectificativa por sustitución y una por diferencias?",{"type":192,"content":4110},[4111],{"type":196,"attrs":4112,"content":4113},{"textAlign":25},[4114],{"text":4115,"type":202},"La rectificativa por sustitución muestra la información corregida de la operación y los datos que se modifican. La rectificativa por diferencias refleja únicamente el ajuste que debe añadirse o restarse a la factura original.",{"_uid":4117,"title":4118,"component":2782,"description":4119},"dfca7460-efc2-4bbe-9a50-7283a3a5f34a","¿Cómo afecta una factura rectificativa al IVA soportado?",{"type":192,"content":4120},[4121],{"type":196,"attrs":4122,"content":4123},{"textAlign":25},[4124],{"text":4125,"type":202},"Si reduce una compra, puede reducir también la base y el IVA soportado que la empresa había registrado o deducido. Si aumenta la operación, puede incrementar el IVA soportado, siempre que se cumplan las condiciones aplicables. El periodo de registro y declaración debe revisarse según la normativa vigente.",{"_uid":4127,"title":4128,"component":2782,"description":4129},"bc77ea6c-6878-48f0-806f-245124692708","¿Cómo se contabiliza una factura rectificativa recibida?",{"type":192,"content":4130},[4131],{"type":196,"attrs":4132,"content":4133},{"textAlign":25},[4134],{"text":4135,"type":202},"El tratamiento depende del motivo de la rectificación y de si se trata de una sustitución o de una diferencia. Puede ser necesario registrar únicamente el ajuste o revisar el asiento original y contabilizar la información corregida. La cuenta utilizada dependerá de la naturaleza de la operación.",{"_uid":4137,"title":4138,"component":2782,"description":4139},"3de8198a-b342-4cf9-bd2b-468dfde7a7b0","¿Cómo se registra una factura rectificativa recibida en el SII?",{"type":192,"content":4140},[4141],{"type":196,"attrs":4142,"content":4143},{"textAlign":25},[4144],{"text":4145,"type":202},"Debe registrarse con la información que corresponda al documento recibido y relacionarse con la factura original. Las claves y los detalles dependen del tipo de rectificación. Consulta las instrucciones vigentes de la AEAT y no utilices automáticamente las claves aplicables al emisor.",{"_uid":4147,"title":4148,"component":2782,"description":4149},"20384bf0-64c3-479b-a155-1c8502bcef01","¿Cómo ayuda Spendesk a gestionar facturas rectificativas?",{"type":192,"content":4150},[4151],{"type":196,"attrs":4152,"content":4153},{"textAlign":25},[4154],{"text":4155,"type":202},"Una rectificativa es más fácil de controlar cuando queda vinculada desde el principio a la factura original. Spendesk permite centralizar facturas y notas de crédito, extraer o pre-rellenar sus datos, asociarlas con pedidos y documentación de recepción cuando corresponde, gestionar aprobaciones y preparar información para contabilidad. La empresa o su asesoría debe validar el tratamiento contable, fiscal y del SII.",[4157],{"cta":4158,"_uid":4159,"title":4160,"eyebrow":4166,"subtitle":4171,"component":310,"textAlign":90,"flexibleSection":4176,"sectionSettings":4177,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"9be9d986-57fe-4809-9231-9c6dd8799a39",{"type":192,"content":4161},[4162],{"type":310,"attrs":4163,"content":4164},{"level":312,"textAlign":25},[4165],{"text":1004,"type":202},{"type":192,"content":4167},[4168],{"type":196,"attrs":4169,"content":4170},{"textAlign":25},[],{"type":192,"content":4172},[4173],{"type":196,"attrs":4174,"content":4175},{"textAlign":25},[],[],[],"factura-rectificativa-y-factura-de-abono","es/blog/factura-rectificativa-y-factura-de-abono",-3160,[],"ef348daa-7525-4ef4-9ac0-1d4bd6ebe185","2026-09-02T13:33:00.225Z",[],"blog/factura-rectificativa-y-factura-de-abono",[4187,4188,4189],{"path":4185,"name":25,"lang":37,"published":25},{"path":4185,"name":25,"lang":39,"published":25},{"path":4185,"name":25,"lang":32,"published":25},{"name":4191,"created_at":4192,"published_at":4193,"updated_at":4194,"id":4195,"uuid":4196,"content":4197,"slug":4328,"full_slug":4329,"sort_by_date":25,"position":4330,"tag_list":4331,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":4332,"first_published_at":4333,"release_id":25,"lang":32,"path":25,"alternates":4334,"default_full_slug":4335,"translated_slugs":4336},"Modelo 390: resumen anual del IVA, quién lo presenta, casillas clave y errores","2026-09-02T13:32:49.504Z","2026-09-10T13:45:14.835Z","2026-09-10T13:45:14.860Z",215721449532360,"c99f0e3f-6da1-4185-9565-094ef52b891f",{"_uid":4198,"title":4191,"topics":4199,"noIndex":28,"category":4208,"language":4217,"component":1285,"heroMedia":4218,"metaTitle":4219,"publishedAt":4220,"readingTime":3541,"redirectUrl":90,"listingImage":4221,"metaDescription":4230,"bottomArticleCta":4231,"componentsAfterTheArticle":4232},"44ff9429-7c9b-42bf-b0a5-b8ed4114b479",[4200],{"name":1468,"created_at":2930,"published_at":2931,"updated_at":2932,"id":2933,"uuid":2934,"content":4201,"slug":2937,"full_slug":2938,"sort_by_date":25,"position":2939,"tag_list":4202,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":2941,"first_published_at":2942,"release_id":25,"lang":32,"path":25,"alternates":4203,"default_full_slug":2944,"translated_slugs":4204,"_stopResolving":41},{"_uid":2936,"name":1468,"component":22},[],[],[4205,4206,4207],{"path":2944,"name":25,"lang":37,"published":25},{"path":2944,"name":25,"lang":39,"published":25},{"path":2944,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":4209,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":4211,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":4212,"default_full_slug":1292,"translated_slugs":4213,"_stopResolving":41},{"_uid":1279,"icon":4210,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[4214,4215,4216],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"Modelo 390: resumen anual del IVA, quién lo presenta, casill","2026-08-25 00:00",[4222],{"_uid":4223,"link":4224,"asset":4225,"caption":90,"component":289},"c5e8bc46-7451-43bf-a998-28fd00bf481e",{"id":90,"url":90,"linktype":284,"fieldtype":179,"cached_url":285,"prep":41},{"id":4226,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4227,"copyright":90,"fieldtype":174,"meta_data":4228,"is_external_url":28},218555405333603,"https://a.storyblok.com/f/146026/1671x941/bd54bf81e9/modelo-390-1.png",{"size":4229},"1671x941","Qué es el Modelo 390, quién debe presentarlo, quién queda exonerado y cómo conciliarlo con los modelos 303 y las principales casillas del resumen anual del IVA.",[],[4233],{"_uid":4234,"items":4235,"heading":4306,"component":2914},"55a4787c-f921-4881-83c4-ef5b8473e554",[4236,4246,4256,4266,4276,4286,4296],{"_uid":4237,"title":4238,"component":2782,"description":4239},"10d29113-a8f5-4b88-8326-e0d65c863aa0","¿Qué es el Modelo 390?",{"type":192,"content":4240},[4241],{"type":196,"attrs":4242,"content":4243},{"textAlign":25},[4244],{"text":4245,"type":202},"El Modelo 390 es la declaración-resumen anual del IVA. Recopila información sobre las operaciones y autoliquidaciones del ejercicio y no implica, por sí mismo, un nuevo pago o devolución.",{"_uid":4247,"title":4248,"component":2782,"description":4249},"eab524f8-8182-4ea3-ac1c-2e9c99de0de6","¿Quién debe presentar el Modelo 390?",{"type":192,"content":4250},[4251],{"type":196,"attrs":4252,"content":4253},{"textAlign":25},[4254],{"text":4255,"type":202},"Deben revisar su obligación los sujetos pasivos del IVA que presenten autoliquidaciones periódicas y no estén incluidos en un supuesto de exoneración. La obligación depende del régimen fiscal, la periodicidad y la actividad de la empresa.",{"_uid":4257,"title":4258,"component":2782,"description":4259},"22e5cc60-f446-4bb9-adcd-7bad5bcc2e7f","¿Hay que presentar el Modelo 390 si los modelos 303 fueron a cero?",{"type":192,"content":4260},[4261],{"type":196,"attrs":4262,"content":4263},{"textAlign":25},[4264],{"text":4265,"type":202},"La presentación de modelos 303 a cero no determina automáticamente la exoneración. Si la empresa no encaja en una excepción, debe comprobar si mantiene la obligación de presentar el Modelo 390.",{"_uid":4267,"title":4268,"component":2782,"description":4269},"6d793610-2298-4bbc-bd6b-25109052b464","¿Cuál es la diferencia entre el Modelo 390 y el Modelo 303?",{"type":192,"content":4270},[4271],{"type":196,"attrs":4272,"content":4273},{"textAlign":25},[4274],{"text":4275,"type":202},"El Modelo 303 es la autoliquidación periódica del IVA. El Modelo 390 es el resumen anual de la información del ejercicio. El 390 no sustituye a los modelos 303 ni funciona como una nueva autoliquidación.",{"_uid":4277,"title":4278,"component":2782,"description":4279},"b2916a89-1e60-4a58-9251-61e53cfc7e49","¿Qué se incluye en la casilla 105?",{"type":192,"content":4280},[4281],{"type":196,"attrs":4282,"content":4283},{"textAlign":25},[4284],{"text":4285,"type":202},"La casilla 105 recoge el importe de determinadas operaciones exentas sin derecho a deducción. Debe utilizarse únicamente cuando la operación cumple las condiciones del supuesto de exención correspondiente.",{"_uid":4287,"title":4288,"component":2782,"description":4289},"501e47a4-e93b-4b9a-8ccb-13a5830f9ba5","¿Cómo se corrige un error en el Modelo 390?",{"type":192,"content":4290},[4291],{"type":196,"attrs":4292,"content":4293},{"textAlign":25},[4294],{"text":4295,"type":202},"Primero identifica si el error afecta también a un modelo 303 o a los registros contables. Después, revisa las instrucciones de la AEAT para determinar si corresponde presentar una declaración sustitutiva u otra forma de rectificación.",{"_uid":4297,"title":4298,"component":2782,"description":4299},"5cc78bc1-0bcd-4d06-a8d4-e11abccc9168","¿Cómo ayuda Spendesk a preparar el Modelo 390?",{"type":192,"content":4300},[4301],{"type":196,"attrs":4302,"content":4303},{"textAlign":25},[4304],{"text":4305,"type":202},"La conciliación del Modelo 390 depende de que cada factura del ejercicio esté registrada en el periodo correcto, con el IVA bien clasificado. Spendesk permite centralizar facturas y justificantes, extraer datos mediante OCR, organizar información contable y de IVA, gestionar aprobaciones y exportar datos a herramientas contables. La empresa o su asesoría debe revisar la información y determinar qué debe declararse en cada casilla.",[4307],{"cta":4308,"_uid":4309,"title":4310,"eyebrow":4316,"subtitle":4321,"component":310,"textAlign":90,"flexibleSection":4326,"sectionSettings":4327,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"882ac242-5c90-41e2-b783-03a067b89050",{"type":192,"content":4311},[4312],{"type":310,"attrs":4313,"content":4314},{"level":312,"textAlign":25},[4315],{"text":1004,"type":202},{"type":192,"content":4317},[4318],{"type":196,"attrs":4319,"content":4320},{"textAlign":25},[],{"type":192,"content":4322},[4323],{"type":196,"attrs":4324,"content":4325},{"textAlign":25},[],[],[],"modelo-390","es/blog/modelo-390",-3150,[],"5095905f-518b-4d56-97b7-f9946b641ce4","2026-09-02T13:32:49.570Z",[],"blog/modelo-390",[4337,4338,4339],{"path":4335,"name":25,"lang":37,"published":25},{"path":4335,"name":25,"lang":39,"published":25},{"path":4335,"name":25,"lang":32,"published":25},{"name":4341,"created_at":4342,"published_at":4343,"updated_at":4344,"id":4345,"uuid":4346,"content":4347,"slug":4477,"full_slug":4478,"sort_by_date":25,"position":4479,"tag_list":4480,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":4481,"first_published_at":4482,"release_id":25,"lang":32,"path":25,"alternates":4483,"default_full_slug":4484,"translated_slugs":4485},"IVA soportado en los gastos de empresa y de empleados: qué se puede deducir y cómo","2026-08-27T10:05:50.742Z","2026-08-27T12:34:56.227Z","2026-08-27T12:34:56.247Z",213547215890359,"38a992a6-679c-4dcb-9b49-735825fc2950",{"_uid":4348,"title":4341,"topics":4349,"noIndex":28,"category":4358,"language":4367,"component":1285,"heroMedia":4368,"metaTitle":4369,"publishedAt":90,"readingTime":4370,"redirectUrl":90,"listingImage":4371,"metaDescription":4379,"bottomArticleCta":4380,"componentsAfterTheArticle":4381},"8af78eab-9798-45f3-92f2-166648e6ac31",[4350],{"name":1484,"created_at":3082,"published_at":3083,"updated_at":3084,"id":3085,"uuid":3086,"content":4351,"slug":3088,"full_slug":3089,"sort_by_date":25,"position":2939,"tag_list":4352,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":3091,"first_published_at":2942,"release_id":25,"lang":32,"path":25,"alternates":4353,"default_full_slug":3093,"translated_slugs":4354,"_stopResolving":41},{"_uid":2936,"name":1484,"component":22},[],[],[4355,4356,4357],{"path":3093,"name":25,"lang":37,"published":25},{"path":3093,"name":25,"lang":39,"published":25},{"path":3093,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":4359,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":4361,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":4362,"default_full_slug":1292,"translated_slugs":4363,"_stopResolving":41},{"_uid":1279,"icon":4360,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[4364,4365,4366],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"IVA soportado en los gastos de empresa y de empleados: qué s","16",[4372],{"_uid":4373,"asset":4374,"caption":90,"component":289},"1de8f75f-1bd0-42ee-a5c2-08022b3d42c8",{"id":4375,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4376,"copyright":90,"fieldtype":174,"meta_data":4377,"is_external_url":28},213582395689572,"https://a.storyblok.com/f/146026/1535x1024/e848c12268/iva-soportado.png",{"size":4378},"1535x1024","Descubre cómo gestionar el IVA soportado de los gastos de empresa y empleados, qué documentación necesitas y cómo preparar la información para tu Modelo 303.",[],[4382],{"_uid":4383,"items":4384,"heading":4455,"component":2914},"5cc20ce9-9c68-49f4-8c7d-06d62c5f2ed6",[4385,4395,4405,4415,4425,4435,4445],{"_uid":4386,"title":4387,"component":2782,"description":4388},"ef3bd6d4-8891-4fbc-987a-33a4b36e6d23","¿Cuál es la diferencia entre IVA soportado e IVA repercutido?",{"type":192,"content":4389},[4390],{"type":196,"attrs":4391,"content":4392},{"textAlign":25},[4393],{"text":4394,"type":202},"El IVA soportado es el que la empresa paga en sus compras y gastos. El IVA repercutido es el que cobra a sus clientes en sus ventas o servicios. La liquidación periódica tiene en cuenta ambos conceptos, conforme a las reglas aplicables.",{"_uid":4396,"title":4397,"component":2782,"description":4398},"cf52c420-13e2-41d2-8022-5afcb0679c90","¿Cuál es la diferencia entre IVA devengado e IVA deducible?",{"type":192,"content":4399},[4400],{"type":196,"attrs":4401,"content":4402},{"textAlign":25},[4403],{"text":4404,"type":202},"El IVA devengado se refiere al momento en que nace la obligación tributaria de una operación. El IVA deducible es la parte del IVA soportado que la empresa puede restar cuando cumple los requisitos correspondientes.",{"_uid":4406,"title":4407,"component":2782,"description":4408},"debf2315-76f3-495f-8c56-d7ea4f3ae93f","¿Se puede deducir el IVA de las comidas de empresa?",{"type":192,"content":4409},[4410],{"type":196,"attrs":4411,"content":4412},{"textAlign":25},[4413],{"text":4414,"type":202},"Puede ser deducible cuando la comida está relacionada con la actividad, el gasto cumple las condiciones fiscales aplicables y existe una factura o justificante válido. Conviene conservar también información sobre el motivo del gasto y sus participantes cuando sea necesario.",{"_uid":4416,"title":4417,"component":2782,"description":4418},"e7aac6c8-ff94-4088-a783-78f5b88c4790","¿Se puede deducir el IVA de un parking o un peaje?",{"type":192,"content":4419},[4420],{"type":196,"attrs":4421,"content":4422},{"textAlign":25},[4423],{"text":4424,"type":202},"No automáticamente. Aunque el parking o el peaje estén relacionados con un desplazamiento profesional, también hay que revisar el vehículo utilizado, su grado de afectación a la actividad, las limitaciones aplicables y la documentación disponible.",{"_uid":4426,"title":4427,"component":2782,"description":4428},"371f6fee-8c41-4623-a073-54725d76a526","¿Qué debe mostrar una factura para poder deducir el IVA?",{"type":192,"content":4429},[4430],{"type":196,"attrs":4431,"content":4432},{"textAlign":25},[4433],{"text":4434,"type":202},"Debe reunir los datos fiscales exigidos para identificar la operación, al proveedor y a la empresa, además de mostrar la información sobre la base y el IVA cuando corresponda. Un justificante simplificado o incompleto puede no permitir la deducción.",{"_uid":4436,"title":4437,"component":2782,"description":4438},"e9444e3a-edbd-4f78-8bcc-96b70fb1639a","¿Cómo se gestionan los gastos profesionales que pagan los empleados?",{"type":192,"content":4439},[4440],{"type":196,"attrs":4441,"content":4442},{"textAlign":25},[4443],{"text":4444,"type":202},"La empresa debe reunir la documentación, comprobar la relación con la actividad, revisar el tratamiento de IVA y registrar la operación en su sistema contable. Después, el equipo financiero o la asesoría determina cómo incluirla en la liquidación correspondiente.",{"_uid":4446,"title":4447,"component":2782,"description":4448},"0c2abf90-247e-45db-8267-9bebb578aa85","¿Cómo ayuda Spendesk a gestionar el IVA soportado de los gastos?",{"type":192,"content":4449},[4450],{"type":196,"attrs":4451,"content":4452},{"textAlign":25},[4453],{"text":4454,"type":202},"Spendesk permite a los empleados subir una foto del justificante desde la aplicación en el momento de compra, extrae datos básicos mediante reconocimiento óptico de caracteres (OCR) y centraliza la documentación junto a la transacción. El equipo financiero puede revisar los gastos, asignar categorías y tipos de IVA, gestionar aprobaciones y exportar la información a herramientas contables. 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La factura documenta la operación y el importe que debe pagarse. La factura que cumple los requisitos formales aplicables puede servir como justificante fiscal, mientras que el albarán aporta evidencia sobre lo que se recibió.",{"_uid":4543,"title":4544,"component":2782,"description":4545},"bd8d8d0e-2900-41fe-a49d-175565cfd252","¿Tiene el albarán validez fiscal?",{"type":192,"content":4546},[4547],{"type":196,"attrs":4548,"content":4549},{"textAlign":25},[4550],{"text":4551,"type":202},"El albarán no sustituye a la factura a efectos de facturación o deducción del IVA. Puede servir como evidencia comercial y operativa de la entrega, especialmente cuando se conserva junto con el pedido y la factura.",{"_uid":4553,"title":4554,"component":2782,"description":4555},"bc7875ad-6867-4cac-87c5-3f7029e8de8b","¿Qué datos debe incluir un albarán de entrega?",{"type":192,"content":4556},[4557],{"type":196,"attrs":4558,"content":4559},{"textAlign":25},[4560],{"text":4561,"type":202},"Conviene que incluya el número de albarán, la fecha, el número de pedido, los datos del proveedor y del receptor, la descripción de los productos, las cantidades entregadas y cualquier incidencia observada durante la recepción.",{"_uid":4563,"title":4564,"component":2782,"description":4565},"2cf0d000-6486-4526-a5fd-1c8504fdf2a8","¿Se puede contabilizar una factura sin albarán?",{"type":192,"content":4566},[4567],{"type":196,"attrs":4568,"content":4569},{"textAlign":25},[4570],{"text":4571,"type":202},"En determinados casos, sí. El albarán no es un requisito universal para registrar una factura, pero su ausencia puede dificultar la comprobación de que los bienes se recibieron correctamente. La empresa debe aplicar sus controles internos y conservar la documentación disponible.",{"_uid":4573,"title":4574,"component":2782,"description":4575},"11ea72da-f60a-4990-a722-b9ca7e89ef79","¿Qué es la verificación a tres vías?",{"type":192,"content":4576},[4577],{"type":196,"attrs":4578,"content":4579},{"textAlign":25},[4580],{"text":4581,"type":202},"Es la comparación entre el pedido, el albarán y la factura. El pedido muestra lo que se solicitó, el albarán lo que se entregó y la factura lo que se está cobrando. El objetivo es detectar diferencias antes de aprobar el pago.",{"_uid":4583,"title":4584,"component":2782,"description":4585},"5be6784a-dab5-438a-9951-f7c9016d4c69","¿Cómo ayuda Spendesk a conciliar albaranes y facturas?",{"type":192,"content":4586},[4587],{"type":196,"attrs":4588,"content":4589},{"textAlign":25},[4590],{"text":4591,"type":202},"Spendesk puede comparar los datos de las facturas con los pedidos de compra y los albaranes para detectar discrepancias antes de la aprobación. También permite centralizar la documentación, dirigir las facturas a los responsables correspondientes y mantener un registro del proceso de aprobación.",[4593],{"cta":4594,"_uid":4595,"title":4596,"eyebrow":4602,"subtitle":4607,"component":310,"textAlign":90,"flexibleSection":4612,"sectionSettings":4613,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"a9933b44-0156-4411-9df3-c97aeb6fd989",{"type":192,"content":4597},[4598],{"type":310,"attrs":4599,"content":4600},{"level":312,"textAlign":25},[4601],{"text":1004,"type":202},{"type":192,"content":4603},[4604],{"type":196,"attrs":4605,"content":4606},{"textAlign":25},[],{"type":192,"content":4608},[4609],{"type":196,"attrs":4610,"content":4611},{"textAlign":25},[],[],[],"albaran-y-factura","es/blog/albaran-y-factura",-2990,[],"2d0e9977-fc0a-4f90-8c97-49706aa81d1b","2026-08-27T10:05:49.366Z",[],"blog/albaran-y-factura",[4623,4624,4625],{"path":4621,"name":25,"lang":37,"published":25},{"path":4621,"name":25,"lang":39,"published":25},{"path":4621,"name":25,"lang":32,"published":25},{"name":4627,"created_at":4628,"published_at":4629,"updated_at":4630,"id":4631,"uuid":4632,"content":4633,"slug":4752,"full_slug":4753,"sort_by_date":25,"position":4754,"tag_list":4755,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":4756,"first_published_at":4757,"release_id":25,"lang":32,"path":25,"alternates":4758,"default_full_slug":4759,"translated_slugs":4760},"Flujo de caja: cómo construir y leer el estado de tesorería de tu empresa","2026-08-27T10:05:47.852Z","2026-09-10T12:48:23.439Z","2026-09-10T12:48:23.473Z",213547204048720,"59e8d522-0d9e-48f4-8516-3a3c5f1e6fbb",{"_uid":4634,"title":4627,"topics":4635,"noIndex":28,"category":4644,"language":4653,"component":1285,"heroMedia":4654,"metaTitle":4655,"publishedAt":3662,"readingTime":4656,"redirectUrl":90,"listingImage":4657,"metaDescription":4664,"bottomArticleCta":4665,"componentsAfterTheArticle":4666},"e53ba4dd-df21-4b02-a075-469a60d77938",[4636],{"name":3372,"created_at":3373,"published_at":3374,"updated_at":3375,"id":3376,"uuid":3377,"content":4637,"slug":3379,"full_slug":3380,"sort_by_date":25,"position":2939,"tag_list":4638,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":3382,"first_published_at":2942,"release_id":25,"lang":32,"path":25,"alternates":4639,"default_full_slug":3384,"translated_slugs":4640,"_stopResolving":41},{"_uid":2936,"name":3372,"component":22},[],[],[4641,4642,4643],{"path":3384,"name":25,"lang":37,"published":25},{"path":3384,"name":25,"lang":39,"published":25},{"path":3384,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":4645,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":4647,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":4648,"default_full_slug":1292,"translated_slugs":4649,"_stopResolving":41},{"_uid":1279,"icon":4646,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[4650,4651,4652],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"Flujo de caja: cómo construir y leer el estado de tesorería ","13",[4658],{"_uid":4659,"asset":4660,"caption":90,"component":289},"f303499c-ab17-4964-a49e-9d2994c7f5d5",{"id":4661,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4662,"copyright":90,"fieldtype":174,"meta_data":4663,"is_external_url":28},218541575241457,"https://a.storyblok.com/f/146026/1672x941/bd6cce0a37/flujo-de-caja-es.png",{"size":3120},"Aprende qué es el flujo de caja, cómo construir un presupuesto de tesorería en Excel y cómo leerlo para anticipar tensiones de liquidez.",[],[4667],{"_uid":4668,"items":4669,"heading":4730,"component":2914},"a7dda334-4112-420f-a19d-5adb1a97aa87",[4670,4680,4690,4700,4710,4720],{"_uid":4671,"title":4672,"component":2782,"description":4673},"b973dc75-bb68-4f42-acc4-d08565ea73a8","¿Puede una empresa con beneficios tener un flujo de caja negativo?",{"type":192,"content":4674},[4675],{"type":196,"attrs":4676,"content":4677},{"textAlign":25},[4678],{"text":4679,"type":202},"Sí. Una empresa puede reconocer ingresos antes de cobrarlos y, al mismo tiempo, tener que pagar nóminas, proveedores, impuestos u otras obligaciones. Por eso el beneficio y la liquidez deben analizarse por separado.",{"_uid":4681,"title":4682,"component":2782,"description":4683},"612d5057-41b1-4bfb-9bd0-a69f82564b78","¿Cada cuánto conviene actualizar el presupuesto de tesorería?",{"type":192,"content":4684},[4685],{"type":196,"attrs":4686,"content":4687},{"textAlign":25},[4688],{"text":4689,"type":202},"Como mínimo, una vez al mes. Si la empresa tiene mucha actividad o atraviesa una etapa de tensión de liquidez, puede ser útil actualizarlo con mayor frecuencia.",{"_uid":4691,"title":4692,"component":2782,"description":4693},"9c422bb1-6acc-4fe8-848f-e265e7affaa5","¿Qué diferencia hay entre un presupuesto de tesorería y un seguimiento de caja?",{"type":192,"content":4694},[4695],{"type":196,"attrs":4696,"content":4697},{"textAlign":25},[4698],{"text":4699,"type":202},"El presupuesto muestra los cobros y pagos previstos. El seguimiento incorpora los movimientos reales, compara ambos datos y explica las desviaciones.",{"_uid":4701,"title":4702,"component":2782,"description":4703},"0fea39f0-0c4f-41db-a576-9135682e51f3","¿Cómo se incluye el IVA en un presupuesto de tesorería?",{"type":192,"content":4704},[4705],{"type":196,"attrs":4706,"content":4707},{"textAlign":25},[4708],{"text":4709,"type":202},"Los cobros y pagos deben registrarse por el importe que realmente entra o sale de la cuenta. Las liquidaciones periódicas de IVA deben reflejarse como movimientos de caja independientes en la fecha prevista, evitando duplicar el IVA ya incluido en facturas cobradas o pagadas.",{"_uid":4711,"title":4712,"component":2782,"description":4713},"256ee792-6f3d-491e-bd8d-157ceb66a51f","¿Qué herramientas pueden ayudar a gestionar el flujo de caja?",{"type":192,"content":4714},[4715],{"type":196,"attrs":4716,"content":4717},{"textAlign":25},[4718],{"text":4719,"type":202},"Excel puede ser suficiente para empezar. Cuando aumenta el volumen de facturas, tarjetas, solicitudes y pagos, una solución de gestión del gasto puede ayudar a centralizar los datos y mantener actualizada la información que alimenta el presupuesto.",{"_uid":4721,"title":4722,"component":2782,"description":4723},"c291cd54-fb0f-40b3-a0bf-f369443c4354","¿Cómo ayuda Spendesk a gestionar el flujo de caja?",{"type":192,"content":4724},[4725],{"type":196,"attrs":4726,"content":4727},{"textAlign":25},[4728],{"text":4729,"type":202},"El presupuesto de tesorería es tan fiable como los datos de gasto que lo alimentan. Spendesk centraliza tarjetas, facturas y solicitudes de gasto desde que se producen, permite configurar presupuestos con esa misma estructura y muestra el impacto de cada pago sobre lo planificado antes de que se ejecute. Esto ayuda a que el cuadro de tesorería se apoye en compromisos reales en lugar de estimaciones sueltas, aunque no sustituye la previsión de tesorería ni el análisis del equipo financiero.",[4731],{"cta":4732,"_uid":4733,"title":4734,"eyebrow":4740,"subtitle":4745,"component":310,"textAlign":90,"flexibleSection":4750,"sectionSettings":4751,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"bb6e7474-1827-4974-a982-aeacca67c897",{"type":192,"content":4735},[4736],{"type":310,"attrs":4737,"content":4738},{"level":312,"textAlign":25},[4739],{"text":1004,"type":202},{"type":192,"content":4741},[4742],{"type":196,"attrs":4743,"content":4744},{"textAlign":25},[],{"type":192,"content":4746},[4747],{"type":196,"attrs":4748,"content":4749},{"textAlign":25},[],[],[],"flujo-de-caja","es/blog/flujo-de-caja",-2980,[],"8fa8c174-18a2-4c99-8fe9-19113df46475","2026-08-27T10:05:47.916Z",[],"blog/flujo-de-caja",[4761,4762,4763],{"path":4759,"name":25,"lang":37,"published":25},{"path":4759,"name":25,"lang":39,"published":25},{"path":4759,"name":25,"lang":32,"published":25},{"name":4765,"created_at":4766,"published_at":4767,"updated_at":4768,"id":4769,"uuid":4770,"content":4771,"slug":4900,"full_slug":4901,"sort_by_date":25,"position":4902,"tag_list":4903,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":4904,"first_published_at":4905,"release_id":25,"lang":32,"path":25,"alternates":4906,"default_full_slug":4907,"translated_slugs":4908},"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":4772,"title":4765,"topics":4773,"noIndex":28,"category":4782,"language":4791,"component":1285,"heroMedia":4792,"metaTitle":4793,"publishedAt":3662,"readingTime":2962,"redirectUrl":90,"listingImage":4794,"metaDescription":4802,"bottomArticleCta":4803,"componentsAfterTheArticle":4804},"7c8baf82-c72c-4bd0-978c-914b4de81327",[4774],{"name":1468,"created_at":2930,"published_at":2931,"updated_at":2932,"id":2933,"uuid":2934,"content":4775,"slug":2937,"full_slug":2938,"sort_by_date":25,"position":2939,"tag_list":4776,"is_startpage":28,"parent_id":238,"meta_data":25,"group_id":2941,"first_published_at":2942,"release_id":25,"lang":32,"path":25,"alternates":4777,"default_full_slug":2944,"translated_slugs":4778,"_stopResolving":41},{"_uid":2936,"name":1468,"component":22},[],[],[4779,4780,4781],{"path":2944,"name":25,"lang":37,"published":25},{"path":2944,"name":25,"lang":39,"published":25},{"path":2944,"name":25,"lang":32,"published":25},{"name":1273,"created_at":1274,"published_at":16,"updated_at":1275,"id":1276,"uuid":1277,"content":4783,"slug":1285,"full_slug":1286,"sort_by_date":25,"position":52,"tag_list":4785,"is_startpage":28,"parent_id":1288,"meta_data":25,"group_id":1289,"first_published_at":1290,"release_id":25,"lang":32,"path":25,"alternates":4786,"default_full_slug":1292,"translated_slugs":4787,"_stopResolving":41},{"_uid":1279,"icon":4784,"name":1273,"component":1284},{"id":1281,"alt":1282,"name":90,"focus":90,"title":90,"filename":1283,"copyright":90,"fieldtype":174,"is_external_url":28},[],[],[4788,4789,4790],{"path":1292,"name":25,"lang":37,"published":25},{"path":1292,"name":25,"lang":39,"published":25},{"path":1292,"name":25,"lang":32,"published":25},[32],[],"Suministro Inmediato de Información (SII): quién está obliga",[4795],{"_uid":4796,"asset":4797,"caption":90,"component":289},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":4798,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4799,"copyright":90,"fieldtype":174,"meta_data":4800,"is_external_url":28},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":4801},"1536x1024","Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[4805],{"_uid":4806,"items":4807,"heading":4878,"component":2914},"def80281-c114-48d8-922b-c6452f4b32e1",[4808,4818,4828,4838,4848,4858,4868],{"_uid":4809,"title":4810,"component":2782,"description":4811},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":192,"content":4812},[4813],{"type":196,"attrs":4814,"content":4815},{"textAlign":25},[4816],{"text":4817,"type":202},"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":4819,"title":4820,"component":2782,"description":4821},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":192,"content":4822},[4823],{"type":196,"attrs":4824,"content":4825},{"textAlign":25},[4826],{"text":4827,"type":202},"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":4829,"title":4830,"component":2782,"description":4831},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":192,"content":4832},[4833],{"type":196,"attrs":4834,"content":4835},{"textAlign":25},[4836],{"text":4837,"type":202},"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":4839,"title":4840,"component":2782,"description":4841},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":192,"content":4842},[4843],{"type":196,"attrs":4844,"content":4845},{"textAlign":25},[4846],{"text":4847,"type":202},"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":4849,"title":4850,"component":2782,"description":4851},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":192,"content":4852},[4853],{"type":196,"attrs":4854,"content":4855},{"textAlign":25},[4856],{"text":4857,"type":202},"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":4859,"title":4860,"component":2782,"description":4861},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":192,"content":4862},[4863],{"type":196,"attrs":4864,"content":4865},{"textAlign":25},[4866],{"text":4867,"type":202},"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":4869,"title":4870,"component":2782,"description":4871},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":192,"content":4872},[4873],{"type":196,"attrs":4874,"content":4875},{"textAlign":25},[4876],{"text":4877,"type":202},"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.",[4879],{"cta":4880,"_uid":4881,"title":4882,"eyebrow":4888,"subtitle":4893,"component":310,"textAlign":90,"flexibleSection":4898,"sectionSettings":4899,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"1b5b92ff-b89c-495c-a337-c708520f4861",{"type":192,"content":4883},[4884],{"type":310,"attrs":4885,"content":4886},{"level":312,"textAlign":25},[4887],{"text":1004,"type":202},{"type":192,"content":4889},[4890],{"type":196,"attrs":4891,"content":4892},{"textAlign":25},[],{"type":192,"content":4894},[4895],{"type":196,"attrs":4896,"content":4897},{"textAlign":25},[],[],[],"suministro-inmediato-de-informacion-sii","es/blog/suministro-inmediato-de-informacion-sii",-2970,[],"1026b24a-05ed-4e9b-ac69-e27ceb7abb19","2026-08-27T10:05:46.675Z",[],"blog/suministro-inmediato-de-informacion-sii",[4909,4910,4911],{"path":4907,"name":25,"lang":37,"published":25},{"path":4907,"name":25,"lang":39,"published":25},{"path":4907,"name":25,"lang":32,"published":25},{"name":4913,"created_at":4914,"published_at":4915,"updated_at":4916,"id":4917,"uuid":4918,"content":4919,"slug":5037,"full_slug":5038,"sort_by_date":25,"position":5039,"tag_list":5040,"is_startpage":28,"parent_id":1369,"meta_data":25,"group_id":5041,"first_published_at":5042,"release_id":25,"lang":32,"path":25,"alternates":5043,"default_full_slug":5044,"translated_slugs":5045},"Modelo 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347: qué es, quién lo presenta y cómo cuadrar las ope",[4943],{"_uid":4944,"asset":4945,"caption":90,"component":289},"524fd86d-0162-40d0-8d0c-df1c150e52c3",{"id":4946,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4947,"copyright":90,"fieldtype":174,"meta_data":4948,"is_external_url":28},218544053612632,"https://a.storyblok.com/f/146026/1672x941/8afacabb0f/modelo-347.png",{"size":3120},"Descubre qué es el modelo 347, quién debe presentarlo, qué operaciones se declaran y cómo cuadrar los datos con proveedores y clientes antes de febrero.",[],[4952],{"_uid":4953,"items":4954,"heading":5015,"component":2914},"e16a1b38-8a3e-4bdc-9517-c2db347bb109",[4955,4965,4975,4985,4995,5005],{"_uid":4956,"title":4957,"component":2782,"description":4958},"49aa426d-fb37-4d02-8604-8753e11c75ae","¿El modelo 347 supone algún pago a Hacienda?",{"type":192,"content":4959},[4960],{"type":196,"attrs":4961,"content":4962},{"textAlign":25},[4963],{"text":4964,"type":202},"No. El modelo 347 es una declaración informativa y no implica, por sí mismo, un ingreso ni una devolución.",{"_uid":4966,"title":4967,"component":2782,"description":4968},"d5f8692d-a5d7-4d67-b5bb-2cb8fd4835cc","¿Quién debe presentar el modelo 347?",{"type":192,"content":4969},[4970],{"type":196,"attrs":4971,"content":4972},{"textAlign":25},[4973],{"text":4974,"type":202},"Deben revisar su obligación las personas físicas y jurídicas que desarrollen actividades empresariales o profesionales y superen el umbral aplicable con una misma persona o entidad durante el año natural. También existen reglas específicas para determinadas entidades y regímenes fiscales.",{"_uid":4976,"title":4977,"component":2782,"description":4978},"68dd49af-838d-41c9-add2-85a0f7161fe3","¿Qué ocurre si mi modelo 347 no coincide con el de un proveedor o cliente?",{"type":192,"content":4979},[4980],{"type":196,"attrs":4981,"content":4982},{"textAlign":25},[4983],{"text":4984,"type":202},"La diferencia puede dar lugar a una solicitud de aclaraciones o documentación por parte de la AEAT. Conviene contrastar los importes anuales y trimestrales con la contraparte y revisar facturas, abonos, rectificaciones y periodos contables antes de presentar el modelo.",{"_uid":4986,"title":4987,"component":2782,"description":4988},"0e0fdda6-4ac5-4a52-b4f6-5718eb7dfe64","¿Las operaciones intracomunitarias se incluyen en el modelo 347?",{"type":192,"content":4989},[4990],{"type":196,"attrs":4991,"content":4992},{"textAlign":25},[4993],{"text":4994,"type":202},"Las operaciones que ya se hayan declarado correctamente en el modelo 349, cuando exista coincidencia entre las obligaciones informativas, no deben duplicarse en el modelo 347. El tratamiento puede variar según la operación y el régimen aplicable.",{"_uid":4996,"title":4997,"component":2782,"description":4998},"8e7f8716-9e11-452f-a190-0ab8e3a59985","¿Las importaciones y exportaciones se declaran en el modelo 347?",{"type":192,"content":4999},[5000],{"type":196,"attrs":5001,"content":5002},{"textAlign":25},[5003],{"text":5004,"type":202},"Las importaciones y exportaciones de mercancías se encuentran entre las operaciones excluidas en los supuestos previstos por la normativa. Otras operaciones internacionales deben analizarse según su naturaleza y la información declarada mediante otros modelos.",{"_uid":5006,"title":5007,"component":2782,"description":5008},"0a1b3209-710e-4c42-b996-e68d37c1a8ec","¿Cómo ayuda Spendesk a preparar la información del modelo 347?",{"type":192,"content":5009},[5010],{"type":196,"attrs":5011,"content":5012},{"textAlign":25},[5013],{"text":5014,"type":202},"Spendesk centraliza las facturas de proveedores desde que llegan, extrae los datos mediante OCR y las asocia automáticamente a un proveedor, una fecha, un importe y una categoría contable. Esto facilita la conciliación por contraparte que exige el modelo 347, en lugar de tener que reconstruirla a partir de registros dispersos en febrero. La empresa o su asesoría debe determinar, en cualquier caso, qué operaciones deben incluirse finalmente en el modelo 347.",[5016],{"cta":5017,"_uid":5018,"title":5019,"eyebrow":5025,"subtitle":5030,"component":310,"textAlign":90,"flexibleSection":5035,"sectionSettings":5036,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"7d4eb9dd-e2a2-4b28-ab66-4d67cdb8b1ed",{"type":192,"content":5020},[5021],{"type":310,"attrs":5022,"content":5023},{"level":312,"textAlign":25},[5024],{"text":1004,"type":202},{"type":192,"content":5026},[5027],{"type":196,"attrs":5028,"content":5029},{"textAlign":25},[],{"type":192,"content":5031},[5032],{"type":196,"attrs":5033,"content":5034},{"textAlign":25},[],[],[],"modelo-347","es/blog/modelo-347",-2960,[],"4a29a4dc-44ed-4c89-a829-8f36debe0d38","2026-08-27T10:05:45.238Z",[],"blog/modelo-347",[5046,5047,5048],{"path":5044,"name":25,"lang":37,"published":25},{"path":5044,"name":25,"lang":39,"published":25},{"path":5044,"name":25,"lang":32,"published":25},[5050,5051,5052,5053],["Reactive",3772],["Reactive",3361],["Reactive",3500],["Reactive",3640],["Island",5055],{"key":5056,"result":5057},"MarkdownRenderer_Pkwx5w1Zv2ucnmpYZbRG8wZopNh8seFsznrz1yD2uTQ",{"head":5058},{"link":5059,"style":5060},[],[],1790955702052]