Cofactu vs Holded
prices, features and migration.

Decision file · Cofactu vs Holded

Compare the ordinary monthly price, VeriFactu, POS and how each tool works with your accounting firm. Cofactu publishes this comparison: we link Holded's official sources and explain the scope and limits of our own offer.

Linked data · Prices in context · No lock-in

Open the comparison ↓

Comparison report

Documented reading
Summary of the comparison between Cofactu and Holded

Alternative reviewed
Holded
ERP with invoicing, accounting and an accounting-firm portal
8Capabilities
Operating suite
Cofactu
Invoicing, accounting and tax connected
5Areas
5References
3Scenarios

Official sources

Check the features
and the terms.

Reviewed: 29 September 2026. We summarise published documentation; it is not a test of every workflow in both products.

Editorial matrix · 8 capabilities

The difference shows when you
compare the whole job.

It is not enough that a feature exists. What matters is its scope, the context it keeps and what happens before and after.

Comparison between Cofactu and Holded
Capability	Cofactu	Holded	Evidence
Invoicing · VeriFactu	Available: records, QR code and AEAT submission, depending on configuration.	Available, with documented configuration.	Both products offer VeriFactu; it is not a Cofactu-only feature.
Price · Entry fee and limits	Free: €0, unlimited invoices and 1 user (plus the accountant). SME: €39/month, 3 users (+€9 per extra user).	Plus: €15/month. Basic: €29/month, 1,000 invoices/year and 2 users.	Ordinary fees excluding VAT; check the limits of each plan.
Price · Accounting	Full accounting on SME (€39/month), with balance sheet and year-end closing.	Included from Standard (€59/month), according to its plan table.
Price · POS and inventory	Stock on SME (€39/month); POS as an add-on at €19/month per location, extra registers €10/month.	Add-ons: Inventory €25/month and POS €25/shop/month.
Price · Expense reading and AI	Free: 260; SME: 3,000 AI credits/month shared by OCR and Lucía; more on Logistics and Accounting Firm. OCR subject to fair use.	Unlimited scanner advertised from Basic.	An AI credit and a scanned document are not equivalent units.
Accounting firms · Several clients	Accounting Firm: €89/month up to 50 clients; Accounting Firm Pro: €199/month with unlimited clients.	Accounting-firm portal, with the accountant's access not using one of the client's users.	No full licence is assumed for each accountant access.
Support · Human support	According to the published terms and hours.	Has support; the premium add-on costs €50/month.	The premium add-on does not mean all human support is excluded.
Data · Migration to Cofactu	API importer: issued invoices arrive as historical records with their number; drafts arrive as drafts.	Check API access and export options in the source account.	Keep the originals; moving the full audit trail or the AEAT CSV is not promised.

Cost in context

The base price doesn't explain
what your case costs.

The scenarios spell out features, volume and add-ons; differences in scope may remain. Prices exclude VAT unless stated. Price review: 29 September 2026.

Cost sheet compared: Cofactu and Holded
Cost sheet compared	Cofactu · case described	Holded · published base	Holded · scenario result
Self-employed: 50 invoices a month, no POS or inventory	Free: €0/month; SME: €39/month with reconciliation and full accounting.	Basic: €29/month	€29/month; 600 invoices/year, within its limit of 1,000.
Shop: 200 invoices a month, accounting, inventory and one POS	SME: €39/month + POS €19/month per location (€58/month).	Standard: €59/month + Inventory: €25/month + POS for one shop: €25/month	€109/month, without promotions or VAT. Check hardware, integrations and inventory scope.
Accounting firm: portfolio of 80 clients	Accounting Firm Pro: €199/month.	Accounting-firm portal; request a quote.	No estimate: it depends on licences and the firm's agreement.

If a price has changed, write to hola@cofactu.com and we will update the comparison.

Data continuity

Switching from Holded
doesn't mean starting from zero.

Check the result before cancelling the source programme.

Open the full guide ↗

Migration plan · From Holded

Related guide
Check a sample before you migrate

Define the scope

clients, products and document types.
Import a sample

and check for omissions, amounts, VAT and attachments.
Keep the originals

the imported invoice does not carry the AEAT CSV.
Prepare new invoicing

with your accountant and read the guide before approving invoices.

Frequently asked questions

Before switching from Holded.

Answers on scope, data, prices and continuity before you decide.

See migration from Holded →

Is Cofactu cheaper than Holded?

It depends on features and volume. Compare ordinary fees, users, invoices per year and add-ons. The scenarios are bounded examples, not complete equivalences.

Does Holded have VeriFactu?

Yes. Holded documents how to activate it and how it sends records to the AEAT. Compare the configuration, the statuses and the day-to-day work.

When might it make sense to stay with Holded?

If your team knows its processes well and your integrations and reports work, the cost of migrating can exceed the saving. Test before changing the processes you use most.

Is the Cofactu POS included in the SME plan?

No. It is an add-on on top of SME or a higher plan: €19/month per location, plus VAT. Extra registers cost €10/month.

How are Holded invoices imported into Cofactu?

The API brings issued invoices in as historical records, with their original number and without sending them to the AEAT, and Holded drafts as drafts. Check for omissions, totals and documents, and keep the originals: the AEAT CSV is not transferred. See the guide to separate the history from new invoices.

Does Cofactu file all taxes automatically?

No. It depends on the tax form and the channel. The files available for Modelo 303 and Modelo 111 need review and manual filing on the AEAT website; Modelo 130 comes out as a draft to complete there. Check the coverage before you sign up.