New · Complete tax suite

One workspace for all your invoicing

Invoice, keep your books and file your forms with the AEAT from a single place. You invoice, we handle VeriFactu.

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One platform that covers your whole business cycle

Every module included in your plan. No add-ons, no upsells.

Invoicing VeriFactu Accounting Payroll POS Reconciliation AEAT forms Quotes CRM Inventory Certificates API
Modules

Modular solutions for every stage of your business

Start by invoicing. Turn on accounting, payroll or POS when you need them — without migrating to another tool.

VeriFactu invoicing

Invoices signed, chained and filed with the AEAT in seconds, with a verification QR on every PDF.

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Automatic accounting

Every invoice, payment, payroll run and bank movement posts its own journal entry. Journal, ledger, balance sheet and P&L without typing.

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Automatic tax forms

Cofactu knows which forms you owe based on your real usage, warns you in time and files them for you. No toggles to forget.

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For accountants

An operating system for the modern firm

True multi-client: each client with their own certificate, their own series and their own books. You with a single login and a view of the whole portfolio.

Actionable portfolio dashboard

A health traffic light per client: stuck invoices, certificates about to expire, forms not yet filed. Take action without switching accounts.

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Certificate vault

Your clients' certificates encrypted with AES-256, with T-90/T-30/T-7 alerts and an automatic check that they're still signing.

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Cross-client tax radar

A client × form matrix with deadlines. We detect which forms apply based on real usage, not a forgotten toggle.

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Document inbox

Your clients forward invoices to an email and the OCR turns them into posted expenses. One-click approval.

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Frictionless client portal

Each client logs in with a magic link, sees their invoices and forms, and uploads documents. No passwords to reset.

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Centralised billing

A single monthly invoice to your firm with all your clients, with cost and margin per client visible.

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Discover Cofactu for accountants
Infrastructure

The infrastructure compliance demands

VeriFactu isn't a feature: it's the foundation everything in Cofactu is built on.

Tamper-proof hash chain

Each invoice is cryptographically linked to the previous one. If the chain breaks, we detect and repair it ourselves.

Automatic signing and submission

XML to Orden HAC/1177/2024, signed with your certificate and filed with the AEAT in under 30 seconds.

Alerts before every deadline

Certificates, AEAT authorisations and forms with T-90, T-30 and T-7 alerts. Unique in the market: nothing expires by surprise.

Open API, data in the EU

Everything the interface does, the API does. Webhooks, bank connections with ~250 banks and data always in Frankfurt, GDPR by design.

How it works

You invoice, we handle VeriFactu

From your click to the AEAT's official record. You only ever see the first step.

Step 1

You create the invoice

Manually, from the POS, via API or imported from Holded, Quipu or Sage. With live AEAT validation: impossible to send a malformed invoice.

Step 2

We turn it into VeriFactu

Official XML, SHA-256 chained hash and a signature with your certificate. In seconds, without you having to know what an XML is.

Step 3

The AEAT files it

We submit, receive the official CSV and store it with the PDF and signed XML. If something fails, we retry and alert you. You forget about it.

Customers

Built for how every sector invoices

Accountants, freelancers and SMEs — every business invoices differently. Cofactu adapts so you stay VeriFactu-compliant without thinking about it.

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Use cases

Built for the way you work

This is how Cofactu fits, from freelancers to firms with hundreds of clients.

Accountant · client portfolio

Run your entire portfolio from a single login, no deadline spreadsheets

  • Tax radar: which form each client owes, based on real usage
  • Encrypted certificate vault with T-90/T-30/T-7 alerts
  • Onboard a new client in minutes, not hours
Multi-client with separate certificates
See it for accountants
SME · invoicing + POS + accounting

Invoice, get paid and post your books in one place, no tool migration

  • Every invoice, payment and payroll posts its own journal entry
  • PSD2 bank reconciliation with ~250 banks
  • Forms 303, 111 and 190 ready to file
From payment to journal entry, automatically
See it for SMEs
Just launched

Your business could be the next story

Cofactu has just got started. Be among the first to invoice with VeriFactu and no stress: try it free and, when it clicks for you, your story will live here.

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30 days free, no card
Cancel and export in 1 click
Human support in under 1 h
−80%

less time on compliance tasks than doing it by hand

3×

faster month-end close with automatic reconciliation and journal entries

<30 s

to file each invoice with the AEAT, with QR and official CSV

Figures estimated from Cofactu's capabilities. We'll publish them with real data as soon as we have customers with history.

Pricing

Clear plans for every stage of growth

What you see is what you pay. Price frozen for 24 months, in writing.

Monthly Annual Save 17%

Free

0 € /mo, billed annually

Invoice and stay VeriFactu-compliant, unlimited and free forever.

Includes:
  • Unlimited invoices
  • Automatic AEAT filing + QR
  • Quotes
  • 1 user
  • Expense OCR (20/mo)
  • Human support
Start free

Pro

Most popular
12,50 € /mo, billed annually
Save €30/yr

Banking, accounting and your VAT & income-tax forms, all in one place.

Includes:
  • Everything in Free
  • 3 users
  • PSD2 banking (2 accounts)
  • Treasury and cash flow
  • Unlimited expense OCR
  • Basic accounting
  • Forms 303 · 130 · 111
Try 30 days free
€0 today · Cancel anytime

Business

32,50 € /mo, billed annually
Save €78/yr

Accounting up to the balance sheet, all AEAT forms and API.

Includes:
  • Everything in Pro
  • 10 users
  • Unlimited banking
  • Full accounting (balance sheet & close)
  • All forms (347/349/390/115/180/190)
  • Cost centres and projects
  • Multi-currency + API
Try 30 days free

All plans include a 30-day free trial, no card required · Fair pricing commitment

Run an accounting firm? See the dedicated plan for practices
Frequently asked questions

Got questions?
Here are the answers

And if yours isn't here, email us at hola@cofactu.com — we reply within an hour.

What is VeriFactu and why do I need compliant software?
VeriFactu is the mandatory e-invoicing system regulated by RD 1007/2023 and Orden HAC/1177/2024. From January 2027 (companies) and July 2027 (the self-employed), every invoice issued must be generated with certified software that digitally signs it, chains hashes and produces an AEAT verification QR. Penalty for non-compliance: up to €50,000 a year.
Does Cofactu file my invoices with the AEAT automatically?
Yes. Each invoice is filed with the AEAT instantly (or as soon as you approve it if you have a review workflow enabled). You get the official AEAT CSV in under 30 seconds and the QR is printed on your PDF. If the AEAT rejects it, we email you the error with a plain-language explanation and how to fix it.
Can I migrate from Holded, Quipu or Sage without losing data?
Yes. We import clients, products and historical invoices (with OCR if they come as PDFs) and keep your numbering. A typical migration from Holded takes under 30 minutes. We have step-by-step guides in the /migrar/holded section.
Does it work for accountants with many clients?
Cofactu was built for accounting firms. Native multi-tenant: a single account, all your clients with their own digital certificates, tax IDs, series and books. Bulk operations, batch review, client portal with magic link and a magic onboarding that cuts adding a new client from 3 hours to 8 minutes.
What happens to my data if I leave Cofactu?
You export it. No add-ons, no lock-in. An "export everything" button in Settings: a ZIP with all invoices as signed PDF + XML, VAT book, journal entries and a CSV ready for Holded/Quipu if you want to leave. We won't hold you hostage: if Cofactu isn't a fit, better you find out early.
Is my data secure?
AES-256-GCM encryption in R2 for digital certificates, mTLS connection with the AEAT, database in Neon EU (Frankfurt), GDPR compliance by design, TOTP 2FA, aggressive rate limiting and full audit logging. Details at /seguridad — an exhaustive comparison vs. Holded/Quipu/Contasimple/Sage.
Is there human support if I get stuck?
Yes. Human chat inside the product (no bots), email at hola@cofactu.com, WhatsApp for accountants. Average response time: under 1h during business hours. No tickets lost in the void or "ticket #28491 escalated to the technical department".
Can't find your answer?

Drop us a line and we'll reply within 1 hour during business hours.

Talk to the team

Ready to invoice without the headaches?

Start free or browse the plans. Your first VeriFactu invoice in under 10 minutes.

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