There is a law about to change how Spanish businesses invoice each other, and almost nobody has it on their radar: the Crea y Crece Law and its e-invoicing regulation (Royal Decree 238/2026, approved this March). The calendar is now official: companies invoicing over 8 million euros, in October 2027; all other companies, in October 2028; the self-employed, in 2029. You can wait until it catches you —as happened with Verifactu— or you can start working today the way that law demands, knowing that when the obligation arrives, compliance will be one click and not a project. NAiOS ERP already lets you do the latter.
What the law demands (in plain words)
Two things, in essence. One: invoices between companies and freelancers must travel in a structured electronic format —an XML that software reads on its own, not a PDF—. And two, the part the law is really after, which is fighting late payment: reporting the status of every invoice —accepted, rejected and, above all, paid— within a maximum of 4 calendar days. That way the country will finally know who actually pays late.
Two clarifications that save confusion: this does not replace Verifactu (Verifactu is the tamper-proof record before the Tax Agency, already active in NAiOS ERP; e-invoicing is the exchange with your customers and suppliers —NAiOS carries both—), and sales to consumers stay out of scope: B2C invoicing continues as always.
What NAiOS ERP gives you starting today
The Facturae of every invoice, without thinking about it
Every issued invoice has its “Facturae” button: the structured XML in the Spanish standard format, the same one large companies already demand from their suppliers. Even better: when you email the invoice, the Facturae travels attached next to the PDF, on its own. You only need to complete once the fiscal address of your company and of each customer (street, postcode, city and province) —and if something is missing, NAiOS shows you the exact list of what to fill in, never an invalid XML in silence.
The lifecycle the law wants to measure, already running
Accepted, rejected, paid: the heart of the new law is that cycle, and in NAiOS it already lives on every invoice. You mark ✓ Accepted or Rejected (with its reason) when the customer tells you —also on the invoices you receive from suppliers—. And “paid”? It marks itself: every payment records the event with its real date, and if you reconcile your bank with NAiOS Tesorería —the module we launched this very week—, the date is the bank movement date, with nobody touching anything. Everything stays in the invoice history with the date of the fact: when 2028 requires reporting statuses within 4 days, your history will already exist with years of head start.
Who pays you late, measured and not estimated
With that cycle running, NAiOS calculates your real terms: the average days between issuing each invoice and collecting it, customer by customer —and your own payment days to each supplier—. It is exactly the data the law wants to measure at country scale, and you have it today in your business. Ask the copilotAI CopilotAI Assistant integrated into work tools in your own words: “what are my real collection terms?”.
Your suppliers’ invoices, without typing
If a supplier sends you their electronic invoice (the Facturae XML), you import it and the expense creates itself: the supplier is found or registered by their tax ID, and the base, VAT and date come in structured. No copying numbers by hand, and no duplicates —the same invoice twice is detected and rejected with a clear notice.
And the forecast until 2028, in black and white
We know a business does not buy only today: it wants to know it will be covered tomorrow. The NAiOS plan is public and phased: what you just read is already in production; when the Administration finishes its public e-invoicing gateway and publishes the final technical details, NAiOS will connect the sending and the automatic status reporting through it —with margin over October 2028—. The architecture is already built for that: exchange channels are independent modules, so adding the gateway will touch neither your invoices nor the way you work. Your status history, moreover, will travel on its own: you will have been generating it for years without noticing.
Honesty also about what is missing: the XML currently ships without a digital signature (valid for today’s business-to-business exchange; the signature will arrive in an upcoming phase) and corrective invoices are still exchanged as PDF.
Three ways to use it from today
The supplier of a large company
Sergio, an installer, was told by his biggest client —a construction group— that from this year invoices come “in Facturae or they do not get processed”. That used to mean wrestling with a separate program. Now he issues his invoice in NAiOS as always and the XML goes attached in the email. The client processes it, Sergio gets paid sooner.
The SME that wants order (and so does its advisor)
At Carmen’s distribution company, every invoice carries its cycle: issued, accepted by the customer, collected —the last one on its own, from bank reconciliation—. Her advisory firm sees the real status without asking for screenshots, and Carmen knows which customer costs her 25 extra days on average. With that data, she renegotiated two contracts.
The freelancer who receives e-invoices
Marta, a consultant, already gets electronic invoices from her software suppliers. She used to type them in as expenses; now she drops them into the ERP and the expense appears with its VAT broken down and its supplier. The advisor’s quarter comes straight out of the received-invoices book.
Getting started takes two minutes
Open NAiOS ERP → My company and complete your fiscal address (province included); do the same in your regular customers’ files. From that moment, every invoice you issue will have its Facturae and its status cycle. The rest —Verifactu, series, branded PDF, payments, taxes— you already knew from NAiOS ERP.
E-invoicing is one more piece of a simple idea: everything that moves your business —invoices, bank, customers, team— living in the same place and talking to each other. If you do not know the platform yet, start with why NAiOS is the optimal solution for your business. And if you already use it: your next invoice can go out with its XML under its arm, at chat.naios.net.
