Frequently asked questions: Transparent answers

As a rough reference (not a legal figure), it usually starts to pay off between €40,000 and €60,000 in annual profit, or sooner if you want to limit your personal liability. More information in the article.

We file a zero return. It’s included in your fee. If you know you’ll have a quiet stretch, we can offer a reduced fee.

It depends on your tax regime, how many invoices you issue, whether you have employees, and whether you want reporting on top of tax filing.

1 January 2027 for companies and 1 July 2027 for freelancers, per Royal Decree-Law 15/2025. Not July 2026, which is the outdated date still circulating. (Reviewed: 27 September 2026.)

Only people who invoice through billing software (a SIF). If you invoice by hand or on paper, this specific obligation doesn’t apply to you.

As a reference, between 15% and 30% of gross invoicing, on top of VAT, which is never really yours and should be set aside as soon as you collect it.

Each form (130, 303, 390, annual return) covers a different obligation. We send you a copy of all of them, and if one raises questions, we break it down for you.

Anything necessary for your business and justified with an invoice: utilities, materials, social security contributions (if you’re self-employed), accounting fees, training, and more. We review it with you case by case.

Yes, that’s exactly our differentiator: reading your balance sheet and P&L to spot where you’re losing margin, not just staying compliant. Get in touch for an in-depth look at your case.

By setting aside VAT and a portion of income tax from the moment you invoice, and reviewing your P&L every month instead of only every quarter. Get in touch for a personalised plan.

Real Decreto 238/2026 has already been approved (12 months for businesses above €8M turnover, 24 months for everyone else and the self-employed), but the countdown starts once the ministerial order developing it is published, which is still pending. For now, check that your invoicing software can generate structured electronic format.

Every company and self-employed worker that invoices another company or self-employed worker (B2B transactions). It doesn’t affect invoices to individuals, and it’s a separate obligation from Verifactu.

With sequential numbering, complete details for you and your client, and the income tax withholding applied if you’re invoicing another professional or business. We review this with you if you have questions.

Self-employed income is taxed progressively under income tax; an SL pays Corporate Tax at a flat rate, with a reduction in the first years. You also need to factor in the cost of taking money out of the SL.

Yes, 12 months, matching a full tax year: that way we cover every service we offer over the course of the year before you decide whether to continue. It renews automatically each year unless you give 1-2 months' notice before it ends. If you leave before those 12 months are up, you pay the remaining monthly fees until the end of the period, capped at 3 months.

One or two business days, if your paperwork is ready.

Direct estimation usually applies, but for activities like hospitality, restaurants, or retail, the flat-rate (módulos) regime can apply instead. Get in touch and we’ll tell you which regime fits your business best.

No, the annual income tax return is not included in the monthly fee. It costs €40 + VAT (€48.40 with VAT) separately.

Yes, if your activity is on the allowed list and you stay under the invoicing limits.

Quarterly is a good rhythm: enough time to spot a trend without reacting too late.

You pay 20% of the year’s accumulated profit (income minus deductible expenses), minus whatever you’ve already paid in earlier quarters. We walk through an example on the blog.

Yes: rent proportional to the space you use for your business, and for utilities (electricity, water, gas) 30% of that same proportion. We adjust it to your actual home.

For income tax, only if the car is used exclusively for the business (or you’re a taxi, driving school, sales rep, or goods transporter): if you also use it for anything personal, you deduct nothing. For VAT, you can deduct 50% of the input VAT with barely any argument.

For VAT, 50% of those amounts if the car is used for the business. For income tax, only if the vehicle is used exclusively for the business or your activity is one of the exceptions (taxi, driving school, sales rep, goods transport).

For 2023-2025 it was €80/month, plus the MEI surcharge (0.9%, no discount applies), around €88.64-88.72/month in total. The exact 2026 figure is set yearly by Spain's General State Budget Act, so confirm the current amount before registering.

12 months. It extends to 24 if your projected net income stays under the minimum wage, or starts at 24 (extendable to 36) if you have a disability of 33% or more, or are a victim of gender violence or terrorism.

Yes.

Yes, we handle payroll and labor management.

Yes, we handle the handover with your current accounting firm.

Not yet. We advise you, but incorporation is handled by a notary.

Quarterly is a good rhythm: enough time to spot a trend without reacting too late.

The profit and loss statement summarizes the net result (profit or loss) generated by your business over a given period. The balance sheet reflects your financial position at a specific point in time, detailing assets and liabilities to measure your business’s real solvency and net worth.

From €1, though while it stays below €3,000 you need to set aside 20% of profit each year until reaching that figure.

With standardised bylaws, it can be resolved in a few days; with custom bylaws, it usually takes several weeks.

Five: a name certificate from the Central Companies Registry, opening a bank account for the share capital, a public deed before a notary, a provisional tax ID and tax registration with Hacienda, and registration with the Companies Registry for your province.

If the car will have personal use by the owner or director, the saving shrinks a lot because of the benefit in kind, and the financing route matters little. If it’s 100% for work: renting to avoid all admin, leasing to bring the deduction forward if you keep it, buying if you have spare cash.

The personal-use portion is charged as a benefit in kind on the user’s payroll: 20% per year of the acquisition cost if the company owns the car, or of the new vehicle’s market value if it’s on rental or lease, with a reduction of up to 30% for energy-efficient vehicles. Handled properly, it’s still a deductible expense for the company; undeclared personal use is not.