Closer AI
Spanish double-entry accounting with the fiscal obligations in the core, not bolted on: the ledger, the documents that feed it, the bank that settles it, and the AEAT filings that come out of it.
Three levels
Start with invoicing. Move up when the books need it.
Each level includes everything in the one before it, and moving up keeps all of it: the books are kept from the first invoice, so the ledger you open is already right.
Closer AI Factura
€9per month
A company that invoices and files its quarterly returns.
- VERI*FACTU invoices and simplified invoices
- Collections and supplier payments
- Supplier bills and expenses captured by OCR
- The books kept in the background, ready for the day you move up
Each month: 30 OCR scans · 50 invoices, bills and expenses
AEAT returns: 303, 390, 420, 111, 190, 115, 180
Closer AI Contabilidad
€49per month
A company keeping its own books, alone or with its asesoría.
Everything in Closer AI Factura, plus
- The ledger and the Spanish PGC chart of accounts
- Bank reconciliation against the live feed
- Profit and loss, balance sheet and the ledgers
- Fixed assets, loans and leases
- Year-end close and the cuentas anuales
Each month: 250 OCR scans · 300 invoices, bills and expenses
AEAT returns: 200, 202, 347, 349, 369, 123, 193, 232
Closer AI Cierre
€200per month
A company with a finance team.
Everything in Closer AI Contabilidad, plus
- Budgets read against the ledger
- SEPA remesas to collect and to pay — sent through Ponto or Revolut Business, or as a file
- Approval policies on documents
- The thirteen-week treasury forecast
- SII: every invoice sent to the AEAT as it is booked
Each month: 1,000 OCR scans · 1,500 invoices, bills and expenses
Modules included: Treasury →
What it includes
Ledger
- Journal entries and bank transfers
- A PGC chart of accounts you can extend
- Analytic labels on every line — department, sales channel, business line, project — filled in for you and carried through posting
- Multi-currency
- A foreign-currency document posts at the day’s rate, and what is still open is revalued at period end
- Period close with a checklist
Banking
- Bank feeds via Ponto, open-banking.io and Revolut Business
- CAMT.053, Norma 43 and CSV statement import
- Auto-matching with rules you can write
- Card rails: Stripe, Redsys and Revolut
- Settlement import and payout reconciliation
- Loan instalments reconciled against the bank line that paid them
Year-end close
- A close checklist that blocks on drafts and warns on the rest, rather than letting you close over them
- Close the year, reopen it if you must, and distribute the result
- The distribution funds the legal reserve, the voluntary ones and the dividend — and records the day the dividend is paid
- A migrating company brings in its trial balance and the invoices and bills still open, which then settle like any other
Budgets
- A P&L budget per fiscal year, by account and by month
- Filled from a posted year, or typed, or copied into a new version
- Budget against actual, cut by the same classifications the ledger carries
- Preparing a budget and approving it are different permissions, so nobody approves their own
Assets, financing and leasing
- Fixed assets with amortization tables and coefficients
- Disposals and revaluations
- Loans at amortised cost, at the effective interest rate
- The bank’s loan schedule read from a spreadsheet, PDF or photo, with every revision on record
- Finance leases under art. 106 LIS, each instalment booked as the lessor’s bill beside its tax schedule
- A loan the company GRANTS, posted with the signs reversed and collected net of the withholding it suffers
- A finance lease granted derecognises the asset in one entry, and each cuota invoices itself
- Month-end depreciation and interest accruals that post themselves, once switched on
- Revenue recognition and accruals
Sales and collections
- Quotes that answer, close and convert — into an order, then an invoice
- Invoices, simplified invoices (F2) and credit notes
- Sales orders and delivery notes that bill through
- Customer payments, part-payments and write-offs
- Collections: promises, disputes and a reminder ladder
- Customer portal with card payment
Purchases and payments
- Bills, simplified bills and purchase orders
- Expenses, expense reports and reimbursements
- Supplier payments and remittances
- Payment runs sent to the bank through Ponto or to Revolut Business, signed or approved there
- Bills paid from the PayPal balance, approved by a second person
- Supplier portal for submitting invoices
- OCR scanning of bills, expenses and payroll
Cuentas anuales
- The PGC balance and the profit and loss account as the official models, in the normal or abreviado structure
- Both halves of the ECPN: the estado de ingresos y gastos reconocidos, and the estado total de cambios en el patrimonio neto
- The memoria, with each note saying which table it carries and reading it from the books
- The comparative prior year beside every figure
Corporate tax
- The Modelo 200 works out its own rate from facts you state once — turnover and the year the company first made a profit
- The reserva de capitalización and the reserva de nivelación measured from the equity and the workforce the books already hold
- Planned from the year’s distribution, then followed for the rest of their life: released, breached and regularised, or corrected by a complementaria
- Its own register, by year, with what each reserve still owes
Ledger
- Journal entries and bank transfers
- A PGC chart of accounts you can extend
- Analytic labels on every line — department, sales channel, business line, project — filled in for you and carried through posting
- Multi-currency
- A foreign-currency document posts at the day’s rate, and what is still open is revalued at period end
- Period close with a checklist
Year-end close
- A close checklist that blocks on drafts and warns on the rest, rather than letting you close over them
- Close the year, reopen it if you must, and distribute the result
- The distribution funds the legal reserve, the voluntary ones and the dividend — and records the day the dividend is paid
- A migrating company brings in its trial balance and the invoices and bills still open, which then settle like any other
Assets, financing and leasing
- Fixed assets with amortization tables and coefficients
- Disposals and revaluations
- Loans at amortised cost, at the effective interest rate
- The bank’s loan schedule read from a spreadsheet, PDF or photo, with every revision on record
- Finance leases under art. 106 LIS, each instalment booked as the lessor’s bill beside its tax schedule
- A loan the company GRANTS, posted with the signs reversed and collected net of the withholding it suffers
- A finance lease granted derecognises the asset in one entry, and each cuota invoices itself
- Month-end depreciation and interest accruals that post themselves, once switched on
- Revenue recognition and accruals
Sales and collections
- Quotes that answer, close and convert — into an order, then an invoice
- Invoices, simplified invoices (F2) and credit notes
- Sales orders and delivery notes that bill through
- Customer payments, part-payments and write-offs
- Collections: promises, disputes and a reminder ladder
- Customer portal with card payment
Cuentas anuales
- The PGC balance and the profit and loss account as the official models, in the normal or abreviado structure
- Both halves of the ECPN: the estado de ingresos y gastos reconocidos, and the estado total de cambios en el patrimonio neto
- The memoria, with each note saying which table it carries and reading it from the books
- The comparative prior year beside every figure
Corporate tax
- The Modelo 200 works out its own rate from facts you state once — turnover and the year the company first made a profit
- The reserva de capitalización and the reserva de nivelación measured from the equity and the workforce the books already hold
- Planned from the year’s distribution, then followed for the rest of their life: released, breached and regularised, or corrected by a complementaria
- Its own register, by year, with what each reserve still owes
Purchases and payments
- Bills, simplified bills and purchase orders
- Expenses, expense reports and reimbursements
- Supplier payments and remittances
- Payment runs sent to the bank through Ponto or to Revolut Business, signed or approved there
- Bills paid from the PayPal balance, approved by a second person
- Supplier portal for submitting invoices
- OCR scanning of bills, expenses and payroll
Banking
- Bank feeds via Ponto, open-banking.io and Revolut Business
- CAMT.053, Norma 43 and CSV statement import
- Auto-matching with rules you can write
- Card rails: Stripe, Redsys and Revolut
- Settlement import and payout reconciliation
- Loan instalments reconciled against the bank line that paid them
Budgets
- A P&L budget per fiscal year, by account and by month
- Filled from a posted year, or typed, or copied into a new version
- Budget against actual, cut by the same classifications the ledger carries
- Preparing a budget and approving it are different permissions, so nobody approves their own
Analytic accounting
Your books say whether you made money. These say where.
The official accounts add everything up into one result. Analytic accounting puts a label on every line — which shop, which channel, which line of business, which project — so the same books answer the questions you actually run the company with. Nobody tags by hand, and the totals always agree with the official profit and loss.
The questions it answers
Which part of the business earns?
A profit and loss with one column per shop, channel or line of business, plus what is still unlabelled, and a total that equals the official one.
Where does the money go?
Spending by department and by kind of expense, month by month, so a cost that creeps up shows before the year closes.
Are we on budget?
A budget set per department or per project, read against what was actually posted.
Who pays for the rent?
Shared costs — rent, IT, management — spread across the business by fixed shares, headcount, revenue or direct cost. Only in the reports: the books themselves are never touched.
Which channel is worth it?
What each sales channel and each line of business contributes once its own costs are taken off.
Does this project pay?
With Ergon, every project is a label too, so its invoices, bills, expenses and hours add up to a margin on their own.
Ready on day one
From the company’s activity code (CNAE), it starts with labels that fit its trade — one of 41 sector packs, from a winery to a gym — plus department, sales channel and business line for everyone. Labels count from the day you start; past entries are not relabelled.
Labels that fill themselves in
On invoices, bills, expenses, payroll and depreciation, the label comes from your own rules, then the item, the supplier or customer, the employee, and what was chosen the last times. Tick “remember” once and it applies from then on. What someone set by hand is never overwritten.
The AI suggests, you decide
When nothing else knows, the AI proposes a value — only ever one from your own list — and it is not applied until someone accepts it.
No gaps by accident
Make a label required for a kind of document and that document cannot be posted without it. A coverage report shows how much of the profit and loss carries a label.
Someone keeps an eye on it
The AI accountant warns when less than 80 % of last month is labelled, when people keep overriding a suggested label, and when more than 25 % of spending sits in overhead nobody has spread.
Who watches it
Bookkeeper
Whether the ledger can be trusted: unposted entries, unmatched bank lines.
One of the eleven AI employees is assigned to this domain. It reads what a person in that role could read, and files what it finds.