{"id":4340,"date":"2025-06-16T12:52:27","date_gmt":"2025-06-16T10:52:27","guid":{"rendered":"https:\/\/www.ariasassessors.com\/?p=4340"},"modified":"2025-06-16T15:27:51","modified_gmt":"2025-06-16T13:27:51","slug":"el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms","status":"publish","type":"post","link":"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/","title":{"rendered":"El retard en el cobrament de factures costa 2.900 milions a pimes i aut\u00f2noms: el veritable preu de la morositat a Espanya"},"content":{"rendered":"<p data-start=\"221\" data-end=\"510\">Des d\u2019Arias Assessors, amb m\u00e9s de 25 anys assessorant pimes, professionals i aut\u00f2noms a Barcelona, no ens sorprenen les \u00faltimes dades publicades per Informa D&amp;B: <strong data-start=\"383\" data-end=\"474\">el retard en el cobrament de factures ja suposa un cost de 2.900 milions d\u2019euros anuals<\/strong> per al teixit empresarial espanyol.<\/p>\n<p data-start=\"512\" data-end=\"823\">Ho veiem cada dia. Empreses que han prestat serveis, han em\u00e8s correctament les seves factures\u2026 per\u00f2 no cobren en el termini acordat. L\u2019estudi confirma que <strong data-start=\"667\" data-end=\"723\">dues de cada tres factures es paguen fora de termini<\/strong>, amb retards que poden arribar als 30 dies. Aix\u00f2 afecta directament la viabilitat de molts negocis.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice de Contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #428bca;color:#428bca\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #428bca;color:#428bca\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/#1565_dies_de_retard_un_problema_que_empitjora\" title=\"15,65 dies de retard: un problema que empitjora\">15,65 dies de retard: un problema que empitjora<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/#LAdministracio_el_sector_mes_moros\" title=\"L\u2019Administraci\u00f3, el sector m\u00e9s mor\u00f3s\">L\u2019Administraci\u00f3, el sector m\u00e9s mor\u00f3s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/#Sectors_especialment_perjudicats\" title=\"Sectors especialment perjudicats\">Sectors especialment perjudicats<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/#Per_que_moltes_empreses_no_reclamen\" title=\"Per qu\u00e8 moltes empreses no reclamen?\">Per qu\u00e8 moltes empreses no reclamen?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/#Linteres_de_demora_existeix_pero_es_reclama_poc\" title=\"L\u2019inter\u00e8s de demora existeix, per\u00f2 es reclama poc\">L\u2019inter\u00e8s de demora existeix, per\u00f2 es reclama poc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/#El_Reglament_europeu_contra_la_morositat_encallat\" title=\"El Reglament europeu contra la morositat, encallat\">El Reglament europeu contra la morositat, encallat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.ariasassessors.com\/ca\/el-retard-en-el-cobrament-de-factures-costa-2-900-milions-a-pimes-i-autonoms\/#Conclusio_el_control_i_lassessorament_son_claus\" title=\"Conclusi\u00f3: el control i l\u2019assessorament s\u00f3n claus\">Conclusi\u00f3: el control i l\u2019assessorament s\u00f3n claus<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"830\" data-end=\"880\"><span class=\"ez-toc-section\" id=\"1565_dies_de_retard_un_problema_que_empitjora\"><\/span>15,65 dies de retard: un problema que empitjora<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"882\" data-end=\"1169\">Segons Informa D&amp;B, el <strong data-start=\"905\" data-end=\"966\">retard mitj\u00e0 de pagament ha augmentat fins als 15,65 dies<\/strong>. Es tracta de la xifra m\u00e9s alta des del 2021, i representa un clar empitjorament respecte a l\u2019any anterior. Si ho comparem amb la mitjana europea (12,74 dies), Espanya es mant\u00e9 per sobre des de fa anys.<\/p>\n<p data-start=\"1171\" data-end=\"1474\">Aquest fet suposa que una petita empresa ha d\u2019esperar m\u00e9s de dues setmanes extres per cada factura. I aix\u00f2 pot bloquejar la tresoreria, ajornar inversions i generar tensi\u00f3 interna. A Arias Assessors sabem que <strong data-start=\"1380\" data-end=\"1461\">el retard en el cobrament de factures pot afectar greument la salut financera<\/strong> d\u2019un negoci.<\/p>\n<h2 data-start=\"1481\" data-end=\"1520\"><span class=\"ez-toc-section\" id=\"LAdministracio_el_sector_mes_moros\"><\/span>L\u2019Administraci\u00f3, el sector m\u00e9s mor\u00f3s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1522\" data-end=\"1692\">El col\u00b7lectiu que m\u00e9s es retarda en els pagaments \u00e9s l\u2019Administraci\u00f3 P\u00fablica. L\u2019estudi indica una mitjana de <strong data-start=\"1631\" data-end=\"1655\">28,54 dies de demora<\/strong> durant el primer trimestre del 2025.<\/p>\n<p data-start=\"1694\" data-end=\"1956\">Tot i que a <a href=\"https:\/\/www.ariasassessors.com\/ca\/contacte\/\">Arias Assessors<\/a> treballem amb tramitaci\u00f3 telem\u00e0tica directa amb administracions com Ajuntaments, la Generalitat o l\u2019<a href=\"https:\/\/sede.agenciatributaria.gob.es\/\">Ag\u00e8ncia Tribut\u00e0ria<\/a>, molts dels nostres clients pateixen <strong data-start=\"1878\" data-end=\"1955\">retards injustificats en el cobrament de factures per serveis ja prestats<\/strong>.<\/p>\n<p data-start=\"1958\" data-end=\"2094\">Per fer front a aquesta morositat, l\u2019Estat ha hagut de destinar enguany 366,7 milions d\u2019euros del Fons de Finan\u00e7ament a Entitats Locals.<\/p>\n<h2 data-start=\"2101\" data-end=\"2136\"><span class=\"ez-toc-section\" id=\"Sectors_especialment_perjudicats\"><\/span>Sectors especialment perjudicats<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2138\" data-end=\"2364\">Els sectors m\u00e9s afectats pel <strong data-start=\"2167\" data-end=\"2205\">retard en el cobrament de factures<\/strong> s\u00f3n l\u2019hostaleria (amb 23 dies de demora), el transport (22 dies) i l\u2019agricultura (20,5 dies). S\u00f3n \u00e0mbits on la capacitat de resist\u00e8ncia financera \u00e9s limitada.<\/p>\n<p data-start=\"2366\" data-end=\"2647\">Nosaltres assessorem negocis d\u2019aquests sectors. I sabem que el <strong data-start=\"2429\" data-end=\"2517\">no cobrament puntual pot posar en risc el pagament de n\u00f2mines, impostos o prove\u00efdors<\/strong>. Per aix\u00f2, recomanem sempre portar un control exhaustiu de venciments i disposar d\u2019eines per actuar abans que el problema creixi.<\/p>\n<h2 data-start=\"2654\" data-end=\"2693\"><span class=\"ez-toc-section\" id=\"Per_que_moltes_empreses_no_reclamen\"><\/span>Per qu\u00e8 moltes empreses no reclamen?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2695\" data-end=\"2861\">Nom\u00e9s el <strong data-start=\"2704\" data-end=\"2780\">13% de les empreses inicien accions de recobrament quan ven\u00e7 una factura<\/strong>. El motiu principal \u00e9s la por a perdre el client o trencar la relaci\u00f3 comercial.<\/p>\n<p data-start=\"2863\" data-end=\"3132\">A <a href=\"https:\/\/www.ariasassessors.com\/ca\/contacte\/\">Arias Assessors<\/a> ho escoltem sovint: \u201csi reclamo, deixaran de comprar-me\u201d. Per\u00f2 aquesta flexibilitat, sovint, es tradueix en p\u00e8rdues econ\u00f2miques. A m\u00e9s, m\u00e9s d\u2019un ter\u00e7 de les empreses accepten cobraments amb m\u00e9s de 90 dies de retard abans de considerar mor\u00f3s un client.<\/p>\n<p data-start=\"3134\" data-end=\"3265\">Per evitar-ho, oferim solucions com <strong data-start=\"3170\" data-end=\"3264\">avisos automatitzats, cl\u00e0usules contractuals clares i protocols de gesti\u00f3 dels impagaments<\/strong>.<\/p>\n<h2 data-start=\"3272\" data-end=\"3324\"><span class=\"ez-toc-section\" id=\"Linteres_de_demora_existeix_pero_es_reclama_poc\"><\/span>L\u2019inter\u00e8s de demora existeix, per\u00f2 es reclama poc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3326\" data-end=\"3464\">Legalment, el tipus d\u2019inter\u00e8s de demora entre empreses <strong data-start=\"3381\" data-end=\"3413\">ha superat l\u201911% aquest 2024<\/strong>. Tot i aix\u00ed, la majoria de negocis no l\u2019exigeixen.<\/p>\n<p data-start=\"3466\" data-end=\"3718\">Nosaltres, quan redactem contractes per als nostres clients, <strong data-start=\"3527\" data-end=\"3610\">recomanem sempre incloure cl\u00e0usules clares sobre penalitzacions per impagaments<\/strong>. Aix\u00f2 no nom\u00e9s protegeix, sin\u00f3 que permet actuar amb base jur\u00eddica s\u00f2lida si cal rec\u00f3rrer a accions legals.<\/p>\n<h2 data-start=\"3725\" data-end=\"3778\"><span class=\"ez-toc-section\" id=\"El_Reglament_europeu_contra_la_morositat_encallat\"><\/span>El Reglament europeu contra la morositat, encallat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3780\" data-end=\"3991\">El nou reglament europeu volia limitar els terminis de pagament a <strong data-start=\"3846\" data-end=\"3929\">30 dies i establir rec\u00e0rrecs obligatoris per retard en el cobrament de factures<\/strong>. Tot i aix\u00f2, el text ha quedat aturat en la Comissi\u00f3 Europea.<\/p>\n<p data-start=\"3993\" data-end=\"4167\">Per a <a href=\"https:\/\/www.ariasassessors.com\/ca\/contacte\/\">Arias Assessors<\/a>, <strong data-start=\"4016\" data-end=\"4098\">una normativa clara i obligat\u00f2ria ajudaria a protegir els aut\u00f2noms i les pimes<\/strong>, i a reduir la desigualtat entre grans empreses i petits prove\u00efdors.<\/p>\n<h2 data-start=\"4174\" data-end=\"4226\"><span class=\"ez-toc-section\" id=\"Conclusio_el_control_i_lassessorament_son_claus\"><\/span>Conclusi\u00f3: el control i l\u2019assessorament s\u00f3n claus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4228\" data-end=\"4412\">El <strong data-start=\"4231\" data-end=\"4269\">retard en el cobrament de factures<\/strong> \u00e9s una amena\u00e7a real i constant. L\u2019informe d\u2019Informa D&amp;B ho quantifica amb dades, per\u00f2 nosaltres ho veiem reflectit cada setmana als despatxos.<\/p>\n<p data-start=\"4414\" data-end=\"4701\">Per aix\u00f2, a <a href=\"https:\/\/www.ariasassessors.com\/ca\/contacte\/\">Arias Assessors<\/a>, combinem <strong data-start=\"4452\" data-end=\"4553\">experi\u00e8ncia, tecnologia i coneixement legal per ajudar els nostres clients a prevenir impagaments<\/strong> i protegir la seva tresoreria. Des de la redacci\u00f3 de contractes fins a la gesti\u00f3 comptable i el seguiment dels cobraments, hi som per donar suport.<\/p>\n<p data-start=\"4703\" data-end=\"4837\">Si el teu negoci tamb\u00e9 pateix morositat o retards en els pagaments, contacta amb nosaltres. T\u2019ajudarem a convertir el risc en control.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Des d\u2019Arias Assessors, amb m\u00e9s de 25 anys assessorant pimes, professionals i aut\u00f2noms a Barcelona, no ens sorprenen les \u00faltimes dades publicades per Informa D&amp;B: el retard en el cobrament de factures ja suposa un cost de 2.900 milions d\u2019euros anuals per al teixit empresarial&#8230;<\/p>\n","protected":false},"author":2,"featured_media":4338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-4340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>El retard en el cobrament de factures costa 2.900 milions - Arias<\/title>\n<meta name=\"description\" content=\"El retard en el cobrament de factures suposa 2.900 milions per a pimes i aut\u00f2noms. 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