Cuando finaliza el año, el 31 de diciembre, las empresas y autónomos tienen que realizar un cierre contable y fiscal. Las empresas más pequeñas, aquellas que tributan por módulos o los autónomos que no están obligados a llevar una contabilidad tan exhaustiva como el resto, pueden obviar este trámite administrativo, pero cometerían un error.
Debes saber que hacer el ejercicio de análisis del cierre fiscal nos puede ayudar a obtener valiosa información sobre nuestra actividad, de cara al siguiente ejercicio. Pero también si analizamos antes de finalizar el año podemos anticiparnos y obtener alguna ventaja respecto a la declaración de IRPF del siguiente año.
Hacer un pre-cierre
Es algo de gran utilidad que se debería realizar en el último trimestre del año. A ser posible no apurar al último momento, ya que de esta forma tenemos más margen de acción si detectamos algo a mejorar.
Nos ayuda a detectar facturas que no se pidieron a tiempo, que no cuentan con los datos o requisitos necesarios para deducirnos un gasto o un cliente no nos paga y va a ser muy complicado que lo haga en los próximos meses.
No se trata de trabajar dos veces, sino de anticipar, ya que, llegado el momento del cierre fiscal, gran parte del trabajo ya lo tendremos realizado y solo será confirmar en el último momento.
Revisar que toda la documentación esté en orden
Es importante que toda la documentación se encuentre registrada correctamente. A veces hemos anotado un gasto, pero cuando nos llega la factura vemos que no es correcta.
En otras ocasiones nos podemos encontrar con alguna factura duplicada, algo que simplemente olvidamos registrar o simplemente alguna que no emitimos en su momento y directamente ha quedado en el olvido.
Adelanta inversiones y amortizaciones
Si hemos tenido un buen año a nivel de facturación es el momento de realizar alguna de las inversiones que tenemos pendientes. Un ejemplo, renovar nuestro parque informático, invertir en mejoras en las comunicaciones para facilitar el teletrabajo, renovar muebles, etc.
Muchas empresas que han solicitado créditos tienen la oportunidad de quitarse parte de estas obligaciones si han tenido un buen año.
Son gastos deducibles que si los hacemos en el momento oportuno van a ahorrarnos un poco más. Aquí lo ideal es realizar el gasto cuando a nosotros nos interesa, no esperar a que tengamos un problema con un ordenador, algo muy común, para tener que cambiarlo.
Amortización del plan de pensiones antes de que acabe el año
Muchos autónomos cotizan por la base mínima, pero si a final de año les ha ido bien es el momento de realizar alguna aportación a su plan de pensiones. Esta aportación supone un mejor tratamiento fiscal para la liquidación de IRPF.
Y este año es más importante que nunca este apartado porque los Presupuestos Generales del Estado para 2022 van a bajar la deducción fiscal de dichos planes, dejando en 2.000 euros la aportación máxima deducible, que actualmente está en 8.000.
Si tenemos posibilidad, mejor hacer una aportación extra antes de final de año que a principios de 2022. Un ejemplo, si anualmente aportábamos 3.000 euros al plan de pensiones, mejor hacer este año una aportación total de 4.000 y el próximo solo 2.000 y tendremos una mayor desgravación.
Seguro de salud
Los seguros de salud también son deducibles, con un límite de 500 euros al año para el interesado, pero también se pueden deducir los de sus hijos y cónyuge. Si estamos interesados en contratar uno, mejor hacerlo a final de año y pagar una cuota anual.
Gastos del vehículo
Muchas empresas utilizan el leasing como fórmula de financiación de sus flotas de vehículos. Este gasto es deducible en muchos casos además incluye seguro y mantenimiento del vehículo. De esta forma es más fácil amortizar dicho gasto.
Si como autónomo estás pensando en cambiar de vehículo, o si te has dado de alta hace poco y no tienes vehículo de empresa, esta puede ser una buena alternativa que te ahorre un buen porcentaje en tu declaración de IRPF.
Realizar un análisis de la situación financiera
Por último, es muy interesante realizar un análisis de la situación financiera de la empresa. Al cierre del ejercicio se deberían realizar las dotaciones de provisiones de fondos, o el momento adecuado para recuperar el IVA de las facturas impagadas y que sabemos que ya no cobraremos.
No podemos quedarnos solo con la cantidad facturada, sino analizar la rentabilidad de nuestro negocio. De poco nos sirve vender mucho, realizar muchos encargos si luego a la hora de la verdad la ganancia media que tenemos en muy baja.
Recuerda que generar una costumbre de ahorro y organización financiera te ayudará a proteger tus ahorros y tu patrimonio.
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Who all are reviewing here regarding Betway in Trustpilot.
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I received my winnings today as i made withdrawal on Friday evening into
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It was very smooth process. I really appreciate Alex, Shruthi and Sohail for helping in the
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Nice platform.solid betting site.very trusted and one of best choices in Canada.
I have had NO issues with this site every time I withdraw I
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Deposit, win. Withdrew. Good run on slots. I win I lose.
That’s gambling.
Withdrawal in my account within 3 hours. Excellent.
betwaysupport is a fraud that is not customer care if u contact
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@betwaysupport is a fraud that is not customer care if
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great site i use daily. have nice free winner spinner feature.
good bet club , . i have deposited and withdrew fine. this is an honest review not
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good job guys 🙂
also i was paid my winnings to my bank account within 6 six
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I really don’t understand these negative reviews at all.
I won £80 overall and i cashed out as I am a newbie so was well chuffed I won that straightaway, and it was
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Hey hello betway team
Its happened again!
I still did not received my withdrawl
Sometime i received withdrawl by next day
Please do the needfull at the earlies so that i will receive my withdrawl
Very happy with Betway, prompt in their response, withdrawals and deposits are done on time(as indicated in their promised period)
Negative
Worst Withdrawal bookmaker in UK takes ages to get the money
Most bookmakers these days instant payout both e wallets and instant transfers 24/7 and some do
even master card to withdraw money from cash machines or pay online
Betway is taking days to process and they only process in day time if you
win some money withdraw money in night you need to wait until the morning if it’s weekend forget your money until next week
Very bad
Positive
I love Betway mobile app easy to use and I always enjoyed the
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Quick and easy to use app with different lines and very good odds and cash out
Betway please sort out your payment system
I give 1* for withdrawal in whole UK
ive only had good experienced with betway but at the same time
i have never needed to contact the support.maybe
thats why, as there are a lot of bad reviews here!
I’ve been playing on their site for a few months off and
on there are some games that need to be updated with some stuttering
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withdrawing funds usually within business days.
I’ve played other sites like 777Casinos etc and they hold your funds hostage.
With Betway my stay is always enjoyable and payouts are on time.
Pros: Quick withdraws. Variety of games. Good support.
Cons: Some games have a stutter feel in the visuals. Deposit bonus spin should be removed.
Recently I did did a deposit of rupees 800 and it got deducted from a bank
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Betway create new bank account in my account and I don’t know how to add unknown bank account add in my betway account
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I play alot of online slots / games.
Betway is a really decent provider.
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They paid most within 12 hours and larger amounts within 1/2 days.
Id recommend this site based on my experiences.
STAY AWAY !
STAY AWAY !! PLEASE READ .. THEY DO NOT PAY OUT ON SLOTS.
I was playing for 3 hours multiple different games and did not win more than 5$
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When you do win it’s for 5% of what you bet.
It’s ridiculous. I mean I am not just saying this because I am mad that I’m losing lol.
They simply do not let you win at all on slots. The website
is not good either . I asked the customer service chat there phone number and they didn’t know.
What a joke. “HIGHWAY ROBBERY”. STAY AWAY!
Just like there location in south Philadelphia I never won there .
But not as bad as the casino website. It’s a shame I couldn’t imagine how much money they are taking off people.
I played on many websites . And I was going to make this my home
website to gamble on from here on it since they were close where
I live … but to bet $1 a spin and not win more than $5 in 3 hours on 10-15
different games is crazy to me. Takes the fun out of everything period .
They definitely do not play by the rules there supposed to follow .
What a joke stay away … they also do not let you bet a team and the over in the same parlay .
For example if you bet the Philadelphia Eagles and the
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Isn’t that what betting is all about . Instead they wanna take the fun out
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Whoever runs this should be ashamed of there selves .
Steal all the money while you can because yous definitely do not have any
loyal customers . I can guarantee that … I never wrote a
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wrote a review because of how bad this is .
Hi Betway it only takes 24 hours for the money to be paid out after pending, and I will update it once money
is received.
This is my first time withdrawing with betway so it could take some time but once you withdraw for the second
it should be within 5 business days
This is great online casino . I dont know who by there
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Though they ask for verification process everytime but once
you ate genuine thwy pay out immediately . Very reputable casino .one advice
never take bonuses because its clearaly mentioned in there terms and
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Great staff and responsive . Thanks betway
This is really big scam don’t ever choose bet way.
Most of the review I saw but I did not agree and I played with them starting they gave good
withdrawal but when I requested 13k with drawel & I informed I needed urgently
why is taking so long I have to pay bills they just locked my account
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It’s like big theief you win one or 2 times you will get more than that they will gonna blocked.
It’s an big scam doing guys & she said you can contact after 6 month you will get withdrawal how to contact or
with whome we need to connect now.
Agent Nicole just blocked my account after informing that I will take back my words ..she informed it’s just entertainment purpose & she blocked the account by saying you
will get withdrawal & disconnected the chat.
I need a reply from support team to help me out where as I can rate 5 star I reffered
many friends.
I will definitely give 5 star once 8 received the money ..will update & I am hoping a response.
I got the response today betway credited the amount which was pending
only 400 is there is account & have blocked my account .
At least I request bet way to provide warning instead of blocking account.
Thanks bet way.
This is not a made up review join betway a few weeks ago thought I would give them ago even with reading the horror story’s
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