Entrepreneurship

Kit digital. ¿Necesitas financiación y que además sea gratuita?

DIGITAL KIT FOR SMES AND FREELANCERS. BOOST YOUR BUSINESS.

Kit digital. ¿Necesitas financiación y que además sea gratuita?

The digital kit for SMEs and freelancers: everything you need to know.

If you are self-employed and/or have an SME, and you still haven’t heard about the proposal called KIT Digital, or you don’t know what you have to do to apply for it, keep reading, this is of interest to you, and very much so!

  • Do you need financing to give your business a boost?

  • Or simply to improve sales?

Then don’t miss this opportunity to get it for free and without having to reimburse anything!

WHAT IS THE DIGITAL KIT for SMEs and the self-employed?

In 2022, with the aim of supporting the digitalization of small and medium-sized companies, as well as the self-employed, the KIT Digital initiative has been launched. This is a public financial aid program, in order to implement digital solutions in businesses.

These grants are financed with “Next Generation EU” funds and have a generous but limited budget. They will be prioritized and awarded on a first-come , first-served basis.

 

WHAT DO I GET WITH THE DIGITAL KIT

 

The beneficiaries will receive such assistance in the form of a “redeemable voucher” with a maximum amount established according to the following:

  • Segment I: Small companies with 10 to 49 employees – 12,000 euros

  • Segment II: Micro-companies with 3 to 9 employees – 6,000 euros

  • Segment III: Micro-companies with 1 to 3 employees and self-employed 2,000€.

If you have a more traditional business and you think this is not for you, you are missing an opportunity to improve aspects of it. Whether it’s making yourself known, reaching new potential customers, or implementing systems and automations. Ask for more information on how you can boost your business through the more than one hundred services available, for all levels.

On November 20, the deadline for the third and last call was opened, and with it all self-employed and small companies with less than 3 workers could apply.

 

WHAT ARE THE STEPS TO FOLLOW

 

      1. To apply for the Digital Kit for SMEs and freelancers it is necessary to previously perform a test-diagnosis to detect the level of digital maturity from the page https://www.acelerapyme.gob.es/. To do this you will have to register first.

      1. The report obtained must be attached to the application submitted through the website https://red.es/es.

        1. Once the Administration has checked that the requirements for accessing the digital voucher have been met, the self-employed/company is notified of the resolution. From this point on, the company has 6 months to choose both the service and the Digitalizing Agent (supplier).

      Both the services and the companies in charge of implementing them (digitizing agents) are listed on this website.

      services covered by this assistance

      The services available fall into the following categories:

          • Website and Internet Presence

          • Ecommerce + Ecommerce

          • Electronic Invoice

          • Customer Management

          • Business Intelligence and Analytics

          • Social Media Management

          • Process Management

          • Cybersecurity

          • Virtual Office services and tools

          • Secure communications

          • Advanced Internet presence

          • Marketplace

        Once the service and the Digitizing Agent have been chosen, the latter has 3 months to implement it. Once this process is completed, the Digitizing Agent issues the invoice and delivers it to the client (self-employed/company). Several aspects become relevant here:

        The voucher only covers the expense, so the VAT will have to be paid to the supplier and subsequently deducted in the VAT self-assessment. So, as a general rule, VAT is not an expense. It is only a cash flow.

        At no time is money received so that it can later be paid to the Digitizing Agent, butthe voucher is redeemed.

        The chosen service may have a price higher than the amount assigned in the Digital Voucher. When the quotation is presented to you by the Digitalizing Agent, you will have to decide whether to accept it. In this case the difference has to be assumed by the client (self-employed/company).

        Example: a service worth €3,000 is chosen and only one voucher worth €2,000 has been granted. The €2,000 voucher is redeemed and the remaining €1,000 is paid by the self-employed person/company.

        Finally, it should be noted that, being an aid, it is subject to possible revisions (inspections). It is advisable that all documentation related to it (not only the invoice) be kept for at least 4 years.

        If you are interested in providing this type of services and want to become a Digitalizing Agent, you can consult the requirements and information in this link

        And if you want more information about this post, or you want us to help you with the whole process, contact with us HERE.

        alta como autónomo

        5 KEY POINTS IF YOU BECOME SELF-EMPLOYED!

        Are you thinking about becoming self-employed and starting a business?

        You have landed in the right place because I am going to reveal to you the most important things you need to know and do before registering with the Social Security and Hacienda.

        When I am asked for consultations and information to undertake in Asesoría y Consultoría Fénix, these revolve around the following 5 points that I take this opportunity to share:

        LOCAL and AUTONOMIC AID if you become self-employed

        1️⃣ The first thing first of all is to find out about local and regional aid when it comes to entrepreneurship. They may vary according to the type of business, investment, whether or not people are hired, etc. At state level there are also subsidies, the best known of all is the “flat rate” in the self-employed fee paid to the Social Security.

        But most of them are managed by the Autonomous and Local Communities themselves. These are aimed at entrepreneurs, self-employed and SMEs, with 4 main blocks:

        • Promote youth entrepreneurship (under 30 years of age).
        • Incentivizing Innovation
        • For Business Management and Strategy
        • For Internalization

        Here it is worth mentioning the existing lines of financing, which can be a very good option when capital is required.

        How can you get more information to register as a freelancer?

        The first starting point would be to contact the City Council of the locality where you will carry out your activity, whether you need a place or not. There they will put you in contact with the person in charge.

        At Province and Community level, start with the website of each one of them. I share with you the websites that we use the most in Asesoría y Consultoría Fenix, the ones of the  Generalitat de Cataluña (especially for the province of Barcelona), of the Community of Madrid and Castilla la Mancha

        On the other hand, I leave you another search engine. The Directorate General for Industry and SMEs through its SME Platform offers you its  aid portal where all the measures are collected in the form of: subsidies, financing, tax incentives or guarantees offered by public administrations and their agencies, to encourage, maintain and develop economic activity and entrepreneurship. Self-employed and SMEs are included:


        ACTIVITY LICENSE

        2️⃣ If you are going to register as self-employed and you are going to need a place for the activity, you have to take this point into account. It can become a great adventure if the premises need renovations, due to the amount of bureaucratic procedures and the process that takes a long time. It is not only a matter of adapting the premises to the activity to be carried out, but also of complying with certain regulations. Be that as it may, even if it is the simplest case, you would need an Opening License and the approval from the Health Department.

        Where to start?

        Again by the Town Hall of the locality where you plan to develop the activity, usually with Urbanism. There they will inform you about the procedures to follow, documents to fill out, and fees to pay.

        CIVIL LIABILITY INSURANCE

        3️⃣ Consider whether Liability Insurance is necessary and ask for quotes!

        It is not mandatory except in certain cases, although for most it is recommended! For some it is a life saver 😅

        No matter how you look at it, you are responsible for your actions and you are also human! A liability insurance serves you to prevent the economic damage that can be caused by repairing the damage caused to a third party! It covers both material and personal damages, and what I recommend is that you ask for a quote from a trusted insurance professional. Compare several.

        DIGITAL CERTIFICATE

        4️⃣ Although there are other options, I still consider the Digital Certificate essential. After the last few years, if you don’t have it, my advice is that you should ask for it as soon as possible. It is an encrypted file that integrates the identification data of a user.

        How to obtain it?

        By submitting an online application to the FNMT and then proving your identity at any office that has signed a collaboration agreement (TG Seguridad Social, Agencia Tributaria, etc.). In Barcelona, you can request an appointment at any City Hall where you are registered to identify yourself so that they can issue it for you.

        Once this step has been taken , it is downloaded and installed in the browser!

        You have to keep in mind that the device from where it is requested and where it is downloaded must be the same. It is no longer about the convenience of being able to do business from wherever you are without moving, in many cases it is mandatory in this way!

        And best of all, you can install it on your cell phone, no computer is required!

        What is it for?

        To carry out or consult procedures with: the Tax Agency, Social Security, DGT, DG of the Civil Guard, INE, Bank of Spain, BOE, different Ministries, as well as with the Administrations of the Autonomous Communities or Local Administrations.

        Here is the link to the FNMT electronic office in case you need to request it.


        REGISTRATION WITH SOCIAL SECURITY AND TAX AUTHORITIES

        5️⃣Once the previous four points have been reviewed and completed, it would be time to register as self-employed with the Social Security and Tax Authorities.

        Be careful if you had to incur expenses before this moment, since for the tax authorities they will not be deductible. For the tax authorities, only those expenses that, being related to the activity, are incurred after the registration (start of the activity) are considered deductible.

        It is very important to request a Consultation with a Professional who will advise you before planning your entire project, both in terms of tax advantages and the best option that fits your project, as well as the financial aspects that you must take into account.

        On countless occasions I have been approached by people who had lost a lot of money due to this lack of knowledge. That is why I decided to publish this post and share the information.

        You can count on the services of Asesoría y Consultoría Fénix if your case is similar and you will receive fiscal and financial guidance that will make the difference for your venture.

        Returning to the case above, if it is necessary to incur in some expenses to undertake, Hacienda gives you the option to present a Previous Registration, by means of the model 036, so that they can be considered deductible. That is to say, you communicate (inform about) the intention to develop an activity (in this model you declare which one and from which date) and when you are ready to start, you communicate the definitive registration by means of the same model (together with the registration in the Social Security)!

        In order to register with the Social Security, the application for registration with the RETA (Special Regime for Self-Employed Workers) must be filled out, and the Form 036 (or 037) must be filed with the Tax Authorities. For some years now, both organizations have insisted on the presentation of the above-mentioned forms on the same day (and with the same date) to avoid problems when crossing data and to consolidate the registration as self-employed.

        What do you need to be clear about in order to manage both discharges?

        • The IAE, i.e. the epigraph of your activity (professional or business).
        • The CNAE, which is the same, but under a different codification. This is only required for registration in RETA.
        • Choosing a Mutual
        • Have a bank account in your name where you will have to pay the self-employed fee (RETA registration).
        • The address where you will carry out your activity. If you work from home, you can put this address, as well as the percentage destined to it. If you do not have a place, the one in your province is considered.
        • Tax obligations (e.g., VAT, Personal Income Tax, Payments on account)

        Remember that if you need help to manage the registration as an autonomous, or you would like to undertake and expand all the information with Asesoría y Consultoría Fénix, you can contactor request a Consultancy from HERE.

        Is there anything that has caught your attention or that you would like to clarify?
        💬 I read you in the comments

        Beneficios fiscales por alquiler de vivienda

        Tax benefits for rental housing

        If you want to know what are the tax benefits for rental housing, this post is of interest to you. 

        If you have a second home (or several) consider it as an investment asset and not only that, but also as a possible PASSIVE INCOME.

        If you have it without renting it, not only you are NOT HAVING an income but you are also obliged to TAX for it. That is to say, YES or YES you pay. Whether you receive income from the rent or not.

        There are many cases where you have a second residence, or simply the proportional part of a property that you inherited. For the tax authorities it is an “economic capacity” that is to say, it offers you the opportunity to obtain an income.

        How is it taxed?

         The imputed rent will be 2% of the cadastral value of the property (or 1.1% if this value was revised in the last 10 years).

        I REPEAT: if you have a second home, and you have NOT had it rented 365 DAYS OF THE YEAR, you have to apply the “formula” above in the proportional part of the year that it has been “for your enjoyment”.

        Economic abundance has several channels through which it can flow, and it is up to you whether you allow it to arrive, or whether you want to obstruct it!

        Do you have a property that is rented or did my post help you decide to rent it?

        I leave you a summary of what would be the taxation in case of RENTAL and how to obtain your Reduced Net Return on Real Estate Capital.

        There can be 2 cases and the taxation is different:

        1. TAX BENEFITS FOR RENTING A PRIMARY RESIDENCE

        The INCOME obtained from the rent is reduced by all the EXPENSES necessary to obtain it (mortgage interest, maintenance and repair expenses, property tax, insurance, garbage and community fees, amortization of the property).

         

         A 60% reduction is applied to this result if it is the tenant’s main residence.

        Ojooo … This reduction cannot be applied if it is a seasonal or vacation rental and if the premises is for a business.

        GARAGES AND STORAGE ROOMS

        The yield of the parking spaces and storage rooms RENTED TOGETHER WITH THE HOUSING is included in the yield obtained by the latter.

        When they are rented separately, they are treated in the same way as any other property (the 60% reduction is not applied because it is not the tenant’s habitual residence).

        2. TAX BENEFITS FOR TEMPORARY RENTAL OR AS A TOURIST DWELLING

        The treatment is the same as in the case of the usual rental (permanent housing) with the difference that the expenses will be proportional to the time the property was destined to this type of rental.

        What does it mean?

        That we have to make a rule of 3.

        In general the expenses are usually annual (IBI, community, insurance, etc.) so you will have to take into account that you can only subtract from the income received the proportional part of the expenses.

        EXAMPLE: The property was intended for tourist rental for 3 months. The expenses would be obtained as follows: TOTAL EXPENSES * 3/12 (MONTHS)

        Warning!!! Remember that the 60% reduction can NOT be applied in this case.

        And for the remaining time, that is to say, for what is missing until the period of one year is completed, it would be taxed as a second home, also applying the rule of 3. 

        For this I recommend you to check the beginning of this post where I explained it)!

        If you found it useful, don’t forget to share and of course if you have any questions or need guidance, please contact us without obligation. 

        If you need help with your Income Tax Return, remember that you can count on our help. Request a consultation directly  HERE, write us or ask for the procedure directly from the Virtual Store

        Leave me a comment below and if you have any questions, don’t hesitate to get in touch!

         Thanks for reading me and if you want to be more up to date with what I publish, I recommend you to follow me on Linkedln or Instagram: @carmen.vizireanu

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