# Holded — Accounting

Holded by Holded Technologies S.L. holds a panel rating of 2/5 from 6 AI judges (category median 1.5/5), as of 2026-10-21. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: Holded Technologies S.L. (https://www.holded.com)
- Category: [Accounting](https://whats-best.ai/software/accounting.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/accounting/holded
- Alternatives: https://whats-best.ai/software/accounting/holded/alternatives ([markdown](https://whats-best.ai/software/accounting/holded/alternatives.md))
- Data as of: 2026-10-21 · evaluated 2026-10-21 · oldest source captured 2026-10-20

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Holded Technologies S.L.
- Headquarters: Not stated on the vendor’s pages as of 20 Oct 2026
- Data hosting: Not stated on the vendor’s pages as of 20 Oct 2026
- Free plan: Not stated on the vendor’s pages as of 20 Oct 2026

## The panel's verdict

Holded, from Holded Technologies S.L., is a Spanish accounting product whose strength is a genuine double-entry ledger: bookkeeping core scored a flat 6 for a chart built on the Spanish PGC in nine groups with eight-digit accounts, automatic year-end closing, and period locking behind role-based permissions. Documents and banking scored 4-5 for a reconciliation engine with keyword, amount, transaction-type and account conditions, test runs, bulk acceptance and automatic reconciliation on all plans. Tax and filings scored 3-4: Spanish models 303, 347, 390, 130 and 369 are filled step by step with filing-status tracking, but the captured pages evidence preparation, not filing — we found no public information on electronic submission. Weakest is GoBD compliance, a flat 2: the documented immutability is a lockable period, and we found no public information on a GoBD claim, change history, retention or a Verfahrensdokumentation. Sovereignty scored 2-3: a Spanish vendor, no hosting location or subprocessor list documented. Adviser handoff scored a flat 4 on the free A3 export; no score range spans more than a point. Pricing transparency scored 1; no plan prices are public.

**Speaks for it:**
- Double-entry ledger on the Spanish PGC chart with journal, opening, closing and regularisation entries, automatic year-end closing and period locking behind role-based permissions
- Rule-based bank reconciliation with keyword, amount, transaction-type and account conditions, test runs, bulk acceptance and automatic execution on all plans
- Spanish tax models 303, 347, 390, 130 and 369 prepared step by step with filing-status tracking and a quarterly VAT table on model 303
- Free, documented export to A3 (Wolters Kluwer) in the SUENLACE.DAT format with per-export date-range control
- Excel journal import with automatic renumbering, plus journal export with entry-type filters

**Held against it:**
- GoBD compliance scored a flat 2: beyond a lockable period that can be unlocked, we found no public information on a GoBD claim, change history, statutory retention or a Verfahrensdokumentation
- Tax preparation stops before submission: we found no public information on electronic filing with any authority, and every model documented is Spanish
- We found no public information on receipt capture, OCR, e-invoicing or compliant archiving of the digital original, leaving the document side of the evidence chain open
- The adviser handoff is file-based: no public information on a DATEV export or any adviser login, so advisers receive files rather than access
- Sovereignty scored 2-3: the vendor is a Spanish company, but we found no public information on hosting location or a subprocessor list

**Best for:**
- You keep books for a Spanish entity and want models 303, 347, 390, 130 and 369 prepared step by step inside the same tool
- You want recurring bank transactions matched automatically by rules you can test and accept in bulk
- Your adviser works in A3, Wolters Kluwer's software, and can take a free SUENLACE.DAT export with date-range control

**Avoid if:**
- You must evidence GoBD conformity for a German audit — GoBD compliance scored a flat 2, with no public information on a Verfahrensdokumentation, change history or a GoBD-conform export, and the documented lock can be unlocked
- You need returns submitted electronically to the authority, or any filing outside Spain's models — every model documented is Spanish, and the workflow ends at a prepared return
- Your adviser requires a DATEV export or login access to the books — the documented handoff is a file export to A3, Wolters Kluwer's Spanish adviser software
- Your practice posts against SKR03 or SKR04 — the documented chart is the Spanish PGC

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price.

| Criterion | The Bookkeeper | The Tax Adviser | The Auditor | The Founder | The Integrator | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Bookkeeping core | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 |
| GoBD, immutability & audit | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| Tax handling & filings | 1.5/5 | 2/5 | 2/5 | 2/5 | 1.5/5 | 1.5/5 |
| Receipts, banking & matching | 2/5 | 2/5 | 2/5 | 2/5 | 2.5/5 | 2/5 |
| Tax adviser handoff | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| European sovereignty | 1/5 | 1.5/5 | 1.5/5 | 1.5/5 | 1/5 | 1.5/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **2/5** | **2/5** | **2/5** | **2/5** | **2/5** | **2/5** |

### The judges

- **The Bookkeeper** (v1.0): Posts the month and closes it. Wants a real ledger with SKR03/04, recurring entries, cost centres and a close that locks. Judges receipt capture by how many exceptions are left after the automation, not by the demo video.
- **The Tax Adviser** (v1.0): Closes the year for forty clients and needs the books to arrive in a form DATEV accepts, receipts attached. Reads "export to CSV for your Steuerberater" as an admission that nobody asked one. Wants scoped access and a clean period handover.
- **The Auditor** (v1.0): Arrives with a Betriebsprüfung and asks for the data export and the Verfahrensdokumentation. Wants postings that cannot be altered after the fact, corrections booked as reversals, a complete change history, and retention that survives the full statutory period.
- **The Founder** (v1.0): Runs a twelve-person company and does the books on a Sunday. Wants bank feeds that match themselves, invoices out in a minute, and the VAT return submitted without learning ELSTER. Will pay for the hour saved, and notices when the headline price was not the invoice.
- **The Integrator** (v1.0): Connects the books to the shop, the payment provider and the payroll system. Wants a documented API, e-invoicing both directions, and imports that reconcile rather than duplicate. Reads a Zapier logo as an outsourced integration.
- **The Skeptic** (v1.0): Has seen "GoBD-konform" printed on pages that offer no documentation to back it, and wants the feature that makes it true. Also reads for the booking limit, the tier where DATEV export appears, and what an extra bank account costs.

## European sovereignty — proven facts

No sovereignty finding yet.

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Integrations**
- A3 date range export: User defines date range per export; system shows date range of last export [S5]
- A3 export all: Export all: all data except manual or imported entries [S5]
- A3 export expenses assets: Export expenses and assets only [S5]
- A3 export income: Export income only from invoice list [S5]
- A3 export journal entries: Export manual or imported journal entries [S5]
- A3 export purpose: Export Holded data to a file compatible with A3 software [S5]
- A3 export treasury: Export treasury from Payments and Collections list including imported/manual entries [S5]
- A3 file format: SUENLACE.DAT [S5]
- A3 free activation: free · yes [S5]
- A3 identifier requirement: unique 5-digit A3 Identifier required [S5]

**Product**
- Account creation customization: Ledger account creation allows customizing name, color, and last four digits of account number; first digits derive from selected account type [S1]
- Account number digits: 8 [S6]
- Accounting modules: Group 1 Basic financing: equity capital, reserves, long-term debt [S1]
- Automatic accounting closing: yes · Automatic accounting closing generates regularisation and closing entries [S3]
- Automatic year end closing: Automatic closing selectable per year; entries can be modified after unlocking [S3]
- Automation capability: Automation of accounting accounts available (related article) [S1]
- Digit configuration: Number of digits of accounting accounts can be defined (related article) [S1]
- Entry renumbering: yes [S6]
- Entry types: Journal Entry, Opening Entry, Closing Reg. Entry, Closing Entry, Collection, Invoice issued, Invoice received, Payment [S6]
- Fiscal period config: Configure fiscal period end day and month via Menu > Settings > Fiscal period (Accounting section) [S3]
- Group4 scope: Group 4 Creditors and Debtors for Commercial Operations: suppliers, customers, creditors, VAT [S1]
- Journal export: yes [S6]
- Journal export filters: Filter journal exports by dotted/non-dotted, debit/credit key figures, and entry type (invoice issued or received, opening entry, closing reg. entry, journal entry, payment and collection, among others) [S6]
- Journal import: Menu > Import > Journal · Excel · yes [S6]
- Lock accounting period: yes · Lock accounting period to prevent actions generating or modifying journal entries [S3]
- Lock period permissions: Role-based permission to lock/unlock tax period [S3]
- Lock tax period: yes · Lock tax period to prevent adding, modifying or deleting movements within the period [S3]
- Pgc groups: Accounting accounts grouped into 9 PGC groups: 1-5 assets/liabilities/net worth, 6-7 expenses/income, 8-9 changes in net worth [S1]
- Protect tax forms: yes · Protect tax forms/models against document generation or modification affecting them [S3]
- Reconciler v2 beta: beta · v2 [S4]
- Reconciler v2 bulk accept: Accept rules in bulk [S4]
- Reconciler v2 create from reconciled: Create rules from already reconciled transactions [S4]
- Reconciler v2 full rules list: Full list of rules [S4]
- Reconciliation rule purpose: Automatically link recurring bank transactions to accounting accounts, creating an entry in Holded [S4]
- Reconciliation rules available all plans: yes [S4]
- Rule auto reconcile option: yes [S4]
- Rule conditions types: Description (keywords) · Amount (specific amount or range with currency) · Transaction Type (income/expense) · Bank Account scope [S4]
- Rule execution triggers: new transactions by sync or manual import · rule created/edited/deleted · rule priority changed [S4]
- Rule pause reactivate: yes [S4]
- Rule priority: yes [S4]
- Rule test conditions: yes [S4]
- Supported tax models: Related articles reference models 303, 347, 390, 130 and 369 [S2]
- Tax location: Tax management and tax forms are in the Accounting > Tax section [S2]
- Tax model activation: Models can be activated/deactivated and a filing frequency period selected via Settings > My Models [S2]
- Tax model filters: name · period · filing status [S2]
- Tax model step completion: Models can be filled step by step; finished sections can be marked Verified [S2]
- Tax panel components: Tax Panel · 303 model quarterly VAT table · Tax Summary table [S2]

## Questions

### Is Holded European?

Not determined: the vendor’s pages as captured do not say where Holded is based.

### Where does Holded store data?

Not stated on the vendor’s pages as of 20 Oct 2026.

### Does Holded have a free plan?

Not stated on the vendor’s pages as of 20 Oct 2026.

### What are the best alternatives to Holded?

As of 21 Oct 2026, the panel rates [Papierkram (3.5/5)](https://whats-best.ai/software/accounting/papierkram), [sevDesk (3/5)](https://whats-best.ai/software/accounting/sevdesk) and [BuchhaltungsButler (3/5)](https://whats-best.ai/software/accounting/buchhaltungsbutler) highest among the other 24 Accounting products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Papierkram](https://whats-best.ai/software/accounting/papierkram) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Holded alternatives](https://whats-best.ai/software/accounting/holded/alternatives).

## What this page leaves out

- We found no public information on pricing on the pages we read (help.holded.com/en/articles/6895320-create-a-ledger-account, help.holded.com/en/articles/6984534-use-tax-models, help.holded.com/en/articles/6895978-automate-the-tax-period-and-avoid-unforeseen-events-in-the-accounting-period-and-tax-models, help.holded.com/en/articles/6975866-rules-to-automate-reconciliation, help.holded.com/en/articles/6907973-holded-s-export-to-a3, help.holded.com/en/articles/6895995-import-and-export-your-accounting-entries). If the vendor publishes it somewhere else, send us the page.
- We found no public information on compliance on the pages we read (help.holded.com/en/articles/6895320-create-a-ledger-account, help.holded.com/en/articles/6984534-use-tax-models, help.holded.com/en/articles/6895978-automate-the-tax-period-and-avoid-unforeseen-events-in-the-accounting-period-and-tax-models, help.holded.com/en/articles/6975866-rules-to-automate-reconciliation, help.holded.com/en/articles/6907973-holded-s-export-to-a3, help.holded.com/en/articles/6895995-import-and-export-your-accounting-entries). If the vendor publishes it somewhere else, send us the page.
- 1 product fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.

## Sources

- [S1] Bookkeeping core — found from sitemap: https://help.holded.com/en/articles/6895320-create-a-ledger-account (checked 2026-10-20)
- [S2] Tax handling & filings — found from sitemap: https://help.holded.com/en/articles/6984534-use-tax-models (checked 2026-10-20)
- [S3] Tax handling & filings — found from sitemap: https://help.holded.com/en/articles/6895978-automate-the-tax-period-and-avoid-unforeseen-events-in-the-accounting-period-and-tax-models (checked 2026-10-20)
- [S4] Receipts, banking & matching — found from sitemap: https://help.holded.com/en/articles/6975866-rules-to-automate-reconciliation (checked 2026-10-20)
- [S5] Tax adviser handoff — found from sitemap: https://help.holded.com/en/articles/6907973-holded-s-export-to-a3 (checked 2026-10-20)
- [S6] Tax adviser handoff — found from sitemap: https://help.holded.com/en/articles/6895995-import-and-export-your-accounting-entries (checked 2026-10-20)

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Cite as: whats-best.ai, "Holded — Accounting", AI panel analysis, as of 2026-10-21. https://whats-best.ai/software/accounting/holded

Corrections: https://whats-best.ai/correct/858?target=page