What Cuentica does

Cuéntica, operated by Ecosistemas Digitales de Negocio S.L., is a Zaragoza-based cloud SaaS platform founded in 2010 that provides invoicing, expense management, automatic bank reconciliation, and tax-compliance software for Spanish autónomos (freelancers) and small businesses (PYMEs). The product is built on an API-first architecture with read-only integrations to 81 Spanish banks, and is certified for Spain's three mandatory electronic invoicing frameworks — Verifactu, Ticketbai, and Facturae — positioning it as a compliance default ahead of the July 2025 Anti-Fraud Law deadline.

The platform is sold through a tiered subscription structure: Plan Facturación (€19/month or €190/year), Plan Gestión (€15/month), Plan Fiscalidad (full tax compliance), Plan Contabilidad (full accounting for companies), and Tutelada managed-service tiers in which an in-house team of economists with 25+ years of experience reviews books and submits tax models on behalf of customers. Distribution is entirely direct and digital — self-serve registration through the website with a 15-day free trial (no payment details required), supplemented by phone, chat, and personalized 15-minute video-call demos staffed by named team members such as Laura Correa. The company operates exclusively in Spain, with regional adaptations for Canary Islands (IGIC) and Basque/Navarre (Ticketbai) territories.

The business is founder/team-owned with no disclosed external venture capital, private equity, or institutional investment. No acquisitions, mergers, IPO activity, or restructuring events have been identified. Cuéntica describes itself explicitly as "una empresa independiente" and appears to fund growth organically from operating cash flow.

Name

Cuentica

Legal name

Ecosistemas Digitales de Negocio S.L.

Website

https://cuentica.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Cuéntica is a Zaragoza-based cloud SaaS platform that provides invoicing, bank reconciliation, and tax-compliance software for Spanish freelancers (autónomos) and small businesses, certified for Verifactu, Ticketbai, and Facturae electronic invoicing mandates.

Ownership category

akta.pro rank

Headquarters

HQ city

Zaragoza

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription (Plan Cuéntica Facturación): Base subscription tier providing invoice issuing, expense management, and bank reconciliation. Includes 15-day free trial. No commitment period required; cancellation available anytime before next billing cycle.
2. SaaS Subscription (Plan Cuéntica Gestión): Mid-tier subscription adding tax calendar, tax calculation widgets, and tax form preparation functionality to the base invoicing features.
3. SaaS Subscription (Plan Cuéntica Fiscalidad): Higher tier including comprehensive fiscal compliance: review and submission of tax models, downloadable official forms, and optional submission service by Cuéntica team on user's behalf. Not available for Canary Islands.
4. SaaS Subscription (Plan Cuéntica Contabilidad): Top tier for companies covering all accounting, tax, and financial obligations including annual accounts, tax presentation by Cuéntica team, and dedicated accounting review by economists.
5. Tutelada Plans: Supervised plans (Fiscalidad Tutelada for individuals, Contabilidad Tutelada for societies) with Cuéntica team reviewing bookkeeping and submitting models on behalf of the customer.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Cuéntica is a cloud-based SaaS platform that helps Spanish freelancers (autónomos) and small businesses (PYMEs) issue invoices, track expenses, reconcile bank transactions, manage accounting records, and comply with Spanish tax obligations including Verifactu, Ticketbai, and Facturae. The product is offered through tiered subscription plans and complemented by an in-house team of economists who provide fiscal advisory and, in the Tutelada plan, file tax models on the customer's behalf.

Product overview

Cuéntica is a cloud-based business management SaaS platform designed for Spanish freelancers (autónomos), self-employed professionals, and small businesses. The platform operates on a modular plan structure: Plan Facturación (invoicing only), Plan Gestión (adds expense tracking and reconciliation), Plan Fiscalidad (adds full tax compliance including Veri*factu, Ticketbai, and Facturae), Plan Contabilidad (adds full accounting and annual accounts), and Plan Tutelado (managed service with advisory team handling everything). Core capabilities include invoice generation, expense management, automatic bank reconciliation with 81 Spanish banks, real-time business analytics dashboard, and integrated tax advisory services. The platform also offers standalone tools including a freelancer contribution calculator and electronic invoice certification for regulatory compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Cuéntica Platform Cloud-based SaaS platform for Spanish freelancers (autónomos) and small businesses (PYMEs) that issues invoices, tracks expenses, reconciles bank transactions automatically, calculates taxes in real-time, and ensures compliance with Verifactu, Ticketbai, and Facturae. Includes a real-time business dashboard, fiscal calendar, multi-user access, two-factor authentication, and a public REST API for integrations.
• Plan Tutelado (Managed Accounting and Tax Service) Managed-service offering where Cuéntica's in-house team of economists reviews the customer's bookkeeping, prepares and submits Spanish tax models (IVA, IRPF, annual accounts, etc.), and provides ongoing fiscal advisory. Available in two variants: Fiscalidad Tutelada (for individuals) and Contabilidad Tutelada (for societies).
• Calculadora de Cuota de Autónomos Standalone online calculator that estimates a Spanish freelancer's monthly social security contribution based on projected net income, expenses, and applicable contribution brackets under Spain's tiered autónomo system, with real-time calculation of the relevant tramo and base according to the user's activity.
• Servicio de Alta como Autónomo Assisted registration service for new freelancers in Spain, handling registration with AEAT (tax authorities) and social security within 24 hours, plus ongoing advisory support during the first months of self-employment.

Quantifiable outcome

• Invoice issuance in 3 clicks with full Verifactu compliance
• +3 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• StripecoreTechnology or IntegrationStripe is used as the payment processing provider for Cuéntica's online payment collection when customers pay invoices issued through the platform. Cuéntica supports collecting invoice payments via Stripe integration.
• IntercomcoreTechnology or IntegrationIntercom provides the in-app customer messaging and chat functionality used on the Cuéntica platform for real-time customer support, lead engagement, and communication with the advisory team.
• Spanish Banking Network (81 banks)coreTechnology or IntegrationCuéntica's automatic bank reconciliation feature integrates with 81 Spanish banks and credit card entities, enabling read-only import of daily bank statements for automatic matching with invoices and expenses.

Scale indicators4 records

Recent moves2 records

Expansion highlights4 records

Direct peers

• a3innuva (Wolters Kluwer): Wolters Kluwer's Spanish SMB accounting and tax SaaS offering for PYMEs and asesorías. Overlaps with Cuéntica on accounting, tax model preparation, and submission services for Spanish small companies, backed by an established tax-publishing incumbent.
• Holded: Spanish SMB operating system covering invoicing, expenses, accounting, and tax for freelancers and small businesses. Overlaps directly with Cuéntica on invoicing, bank reconciliation, and fiscal compliance for autónomos and PYMEs — the closest head-to-head competitor in the domestic Spanish market.
• Declarando: Spanish automated income-tax filing service for individuals and freelancers, with a hybrid software-plus-advisor model. Directly comparable to Cuéntica on the autónomo tax filing use case and the combination of tech with human fiscal support.
• Quipu: Barcelona-based SaaS for Spanish freelancers and small businesses offering invoicing, expense management, and tax automation. Highly comparable to Cuéntica in target customer (autónomos), feature set, and self-serve SaaS delivery.
• Contasimple: Spanish online invoicing and accounting SaaS specifically built for autónomos, very similar product surface (invoice issuing, IVA/IRPF handling, expense management). Competes directly for the same autonomous-worker segment in Spain.
• Billin: Spanish electronic invoicing platform focused on compliance and B2B bill exchange. Comparable to Cuéntica on the e-invoicing, Verifactu/Ticketbai certification, and Spanish SMB segment, though more weighted toward B2B billing workflows.

Emerging players

• TaxDown: Spanish tech-driven personal and freelancer tax filing app. Targets the same autónomo and individual tax filer segment as Cuéntica with a more consumer-app style UX — partial overlap on tax filing automation and advisory.

Broad incumbents

• FreshBooks: Cloud invoicing and accounting SaaS targeting freelancers and small service businesses. Overlaps with Cuéntica on invoicing, expense tracking, and reporting for solo/small-company users, but with a North-American product focus rather than Spanish tax compliance.
• Sage (Spain): Global accounting and ERP incumbent with Spanish-localized offerings (Sage Despachos, Sage 50) for SMBs and accounting practices. Competes with Cuéntica broadly on accounting, invoicing, and tax for Spanish SMBs but as part of a much broader portfolio.
• Xero: Global SMB cloud accounting platform with invoicing, bank feeds, and tax features. Comparable to Cuéntica on invoicing-plus-bank-reconciliation SaaS for small businesses, though primarily positioned in English-speaking markets and lacking Spain-specific fiscal compliance depth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cuentica
• Facebookfacebook.com/cuentica
• LinkedInlinkedin.com/company/cuentica

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cuentica