File your tax returns with Hacienda in 1 click.
Holded, Quipu, Sage and Contasimple hand you a file you have to upload by hand on the tax office's website. Cofactu files it for you — directly, with the official CSV saved to your account.
The only one that closes the entire loop
Everyone else helps you calculate the return. Cofactu calculates it, signs it, files it and saves the proof for you.
Calculate
Balances the return
Sign
With your certificate
File
Direct to AEAT
Proof
CSV + hash in your audit trail
File directly with the AEAT
1 click generates the BOE file or the TGVI flow, signs with your certificate and sends it. You get the official CSV without visiting the tax office's website.
Proof with a chain of custody
The AEAT's CSV + a SHA-256 hash of the file, kept in your audit trail. If Hacienda asks, you have it 1 click away with a link to the tax office's site.
Reuse your VeriFactu certificate
The same encrypted .p12 you already use for invoicing. No re-uploading it return by return like everyone else forces you to.
Everyone calculates the return. Only Cofactu files it.
The AEAT publishes a proprietary protocol, TGVI Online v2.8, for informational returns, and fixed-position BOE files for self-assessments. Integrating it requires mTLS, an X.509 v3 certificate, ISO-8859-1 encoding and positional parsing. That's why almost no one does it.
- Everyone else: downloads a file for you and sends you to the tax office's website to upload it by hand.
- Cofactu: signs and sends it for you, and hands back the official CSV.
File a quarter in four steps
No tax-office website, no retyping data and no re-uploading your certificate.
- 1
Upload your FNMT certificate once
The .p12 is encrypted with AES-256-GCM and the password is stored separately. If you already uploaded it for VeriFactu, you won't do it again.
- 2
Cofactu aggregates the period's data
It pulls from the invoices, expenses, payroll and rental income already in the app. The return balances itself.
- 3
Review and click "File with AEAT"
We generate the BOE file or the TGVI flow, sign it and send it. Proof-of-filing CSV appears on screen instantly.
- 4
The proof of filing stays in your audit trail
SHA-256 hash + AEAT CSV + a direct link to the tax office's site. Evidentiary proof ready for an inspection.
- AEAT proof of filing
- CSV A-9QF3LMX2
- File seal
- SHA-256 7b1e…d4a0
- Filed
- Feb 28, 2026 · 11:04
Tamper-proof seal. If a single byte in the file changed, the hash would no longer match. An acknowledgment says "received"; this proves it.
Cofactu vs Holded · Quipu · Sage · Contasimple
What Cofactu does directly with AEAT, and what everyone else makes you do by hand.
| Capability | 
Cofactu
| Holded | Quipu | Sage | Contasimple |
|---|---|---|---|---|---|
| Generates the official AEAT BOE file (303/111/130/115) | Yes — 1 click | Yes | Yes | Yes | Yes |
| Files the return with AEAT from the app | Yes — 1 click → official CSV | No (manual) | No (manual) | No (manual) | No (manual) |
| Informational returns via TGVI (190/347/349) | Yes — direct to AEAT | File only | File only | File only | File only |
| Returns a proof-of-filing CSV with a link to the tax office | Yes — in your audit trail | No | No | No | No |
| SHA-256 chain-of-custody proof | Yes | No | No | No | No |
| Reuses your VeriFactu digital certificate | Yes — no re-upload | Re-upload | Re-upload | Varies | Re-upload |
| Filing a full quarter | ≈30 s per return | 5-10 min | 5-10 min | 5-10 min | 5-10 min |
What we cover today and what we add when you ask
No fine print: this is exactly what Cofactu files today, and what we add on request if your case is less common.
What we cover today
7 in production- 303 General Regime (≈90% of small businesses and self-employed)
- 111 employment + business activities (≈95% of IRPF withholdings)
- 130 direct normal/simplified + agricultural
- 115 urban leases
- 190 key A subkey 01 (majority coverage)
- 347 keys A and B excluding real estate (≈95% of transactions)
- 349 keys E, A, S, I (standard intra-EU transactions)
What we add when you ask
≤ 1 week- 303 Equivalence surcharge / REBU / REA
- 303 Foral regime (Basque Country, Navarre)
- 190 other keys (B/C/D…/L)
- 347 keys C/D/E/F/G + real estate
- 349 triangular transactions and consignment
- 390 annual VAT · 200 Corporate Tax
Your case doesn't fit what's listed today? If it's a standard key, we activate it in less than a week.
hola@cofactu.comStop uploading files to the tax office
Generate the invoice, aggregate the quarter, file with AEAT and save the proof-of-filing CSV. All on the same screen.