[{"data":1,"prerenderedAt":4504},["ShallowReactive",2],{"de-blog/liquiditatsplanung-cash-management":3,"de-global-content":481,"de-article-global-content":1862,"de-blog-article-more-articles-undefined":2119,"de-blog-article-more-articles-214315736":4499},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":468,"full_slug":469,"sort_by_date":26,"position":470,"tag_list":471,"is_startpage":29,"parent_id":472,"meta_data":26,"group_id":473,"first_published_at":474,"release_id":26,"lang":33,"path":26,"alternates":475,"default_full_slug":476,"translated_slugs":477},"Liquiditätsplanung & Cash Management: so geht’s","2022-11-03T20:35:17.425Z","2026-03-20T15:34:48.753Z","2026-03-20T15:34:48.774Z",214315736,"dbb0a877-d4c8-4cb5-b1b6-c2d2fc18b30a",{"_uid":11,"roles":12,"title":4,"author":43,"topics":91,"content":92,"category":352,"language":378,"component":365,"heroMedia":379,"sidebarCta":386,"publishedAt":387,"readingTime":388,"redirectUrl":23,"listingImage":389,"metaDescription":23,"componentsAfterTheArticle":390},"ab271a32-8cf0-4cef-b46c-f245ab1f925f",[13],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":24,"full_slug":25,"sort_by_date":26,"position":27,"tag_list":28,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":31,"first_published_at":32,"release_id":26,"lang":33,"path":26,"alternates":34,"default_full_slug":35,"translated_slugs":36,"_stopResolving":42},"Treasurer","2024-11-14T16:28:49.038Z","2026-03-12T10:47:18.012Z","2026-03-12T10:48:04.029Z",579108344,"7fc81bb7-67b3-471b-b326-38b511ad5345",{"_uid":21,"name":14,"component":22,"hubspotId":23},"fe9819d0-b5da-4a13-9120-3050ce8baea9","tag","","treasurer","de/blog/role/treasurer",null,-20,[],false,190903385,"a6ceaa59-c9cd-4d99-8a43-7e2b2d1f03c5","2024-11-14T16:29:38.335Z","de",[],"blog/role/treasurer",[37,39,40],{"path":35,"name":26,"lang":38,"published":26},"fr",{"path":35,"name":26,"lang":33,"published":26},{"path":35,"name":26,"lang":41,"published":26},"es",true,{"name":44,"created_at":45,"published_at":16,"updated_at":46,"id":47,"uuid":48,"content":49,"slug":78,"full_slug":79,"sort_by_date":26,"position":80,"tag_list":81,"is_startpage":29,"parent_id":82,"meta_data":26,"group_id":83,"first_published_at":84,"release_id":26,"lang":33,"path":26,"alternates":85,"default_full_slug":86,"translated_slugs":87,"_stopResolving":42},"Nina Meyer","2022-10-19T17:37:31.039Z","2026-03-12T10:47:20.866Z",206165103,"e2ed251c-9c24-4775-afdf-4d09b68d80e8",{"_uid":50,"name":44,"links":51,"picture":64,"lastName":66,"component":67,"firstName":68,"description":69},"89f0f0a6-fc82-48a3-8054-e58c32b42f44",[52],{"tag":23,"_uid":53,"icon":54,"link":58,"type":23,"label":23,"style":62,"component":63,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"9c4580ca-ff0b-4a12-b659-be46ef7acc73",{"id":55,"alt":23,"name":23,"focus":23,"title":23,"filename":56,"copyright":23,"fieldtype":57,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{"id":23,"url":59,"linktype":60,"fieldtype":61,"cached_url":59},"https://www.linkedin.com/in/nina-meyer-197a51112/","url","multilink","primary","cta",{"alt":65,"name":23,"focus":23,"title":23,"filename":65,"copyright":23,"fieldtype":57,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/1daa98b3f2/profilphoto-20slack.jpg","Meyer","author","Nina",{"type":70,"content":71},"doc",[72],{"type":73,"content":74},"paragraph",[75],{"text":76,"type":77},"Nina Meyer ist Product Marketing Manager bei Spendesk. Sie hat an der Sorbonne deutsch-französisches Marketing studiert und lebt seit 10 Jahren in Paris.","text","nina-meyer","de/blog/author/nina-meyer",-390,[],176408854,"fdf5326b-a851-4b05-ba93-4dfd53539243","2022-11-02T15:26:00.557Z",[],"blog/author/nina-meyer",[88,89,90],{"path":86,"name":26,"lang":38,"published":26},{"path":86,"name":26,"lang":33,"published":26},{"path":86,"name":26,"lang":41,"published":26},[],{"type":70,"content":93},[94,105,116,123,139,143,148,167,183,188,192,211,215,227,243,248,259,285,297,315,327,345],{"type":73,"content":95},[96,98,103],{"text":97,"type":77},"Das Thema ",{"text":99,"type":77,"marks":100},"Liquiditätsplanung",[101],{"type":102},"bold",{"text":104,"type":77}," ist nicht nur in Krisenzeiten eine Priorität für Finanzteams. Doch wenn die Umsätze stark einbrechen, und unklar ist, wie viel in Zukunft eingenommen werden kann, ist es umso schwieriger, für die kommenden Monate oder das nächste Jahr zu planen.",{"type":73,"content":106},[107],{"type":108,"attrs":109},"blok",{"id":110,"body":111},"38cba76e-8fd8-4741-8fbc-bdec9df7c33d",[112],{"_uid":113,"html":114,"component":115},"995827d4-4394-4f1f-8f74-de9f9a0f1709","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-069ee0a9-bf66-499a-b50d-73e3291310e0\">\u003Cspan class=\"hs-cta-node hs-cta-069ee0a9-bf66-499a-b50d-73e3291310e0\" id=\"hs-cta-069ee0a9-bf66-499a-b50d-73e3291310e0\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/069ee0a9-bf66-499a-b50d-73e3291310e0\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-069ee0a9-bf66-499a-b50d-73e3291310e0\" style=\"border-width:0px;\" height=\"500\" width=\"1000\" src=\"https://no-cache.hubspot.com/cta/default/2694209/069ee0a9-bf66-499a-b50d-73e3291310e0.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '069ee0a9-bf66-499a-b50d-73e3291310e0', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":117,"attrs":118,"content":120},"heading",{"level":119},3,[121],{"text":122,"type":77},"Doch was versteht man unter Liquiditätsplanung?",{"type":73,"content":124},[125,127,131,133,137],{"text":126,"type":77},"Der ",{"text":128,"type":77,"marks":129},"Liquiditätsplan",[130],{"type":102},{"text":132,"type":77},", auf Englisch “cash forecast”, ist Teil der Finanzplanung in Unternehmen. ",{"text":134,"type":77,"marks":135},"Er umfasst alle Ein-und Auszahlungen innerhalb einer festgelegten unternehmerischen Periode",[136],{"type":102},{"text":138,"type":77},", z.B. sechs oder zwölf Monate. Die Liquiditätsplanung dient dazu, die Zahlungsfähigkeit des Unternehmens sicherzustellen und die verschiedenen Einzahlungen und Auszahlungen zeitgerecht einzuordnen.",{"type":73,"content":140},[141],{"text":142,"type":77},"Das Ziel ist, die Übersicht über ein- und ausgehende Zahlungen zu behalten, mögliche Liquiditätsrisiken frühzeitig aufzudecken und durch geeignete Gegenmaßnahmen zu beseitigen. Das ist gerade in unsicheren Zeiten besonders wichtig.",{"type":117,"attrs":144,"content":145},{"level":119},[146],{"text":147,"type":77},"Konsequentes Cash Management als Erfolgsfaktor",{"type":73,"content":149},[150,152,159,161,165],{"text":151,"type":77},"Die Boston Consulting Group (BCG) hat in einer Studie die sanitäre Krise 2020 mit der Finanzkrise 2009 verglichen, und analysiert, ",{"text":153,"type":77,"marks":154},"warum sich bestimmte Firmen schneller erholt",[155],{"type":156,"attrs":157},"link",{"href":158,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://www.handelsblatt.com/unternehmen/management/bcg-studie-rezepte-fuer-die-post-corona-zeit-schnelles-umschalten-auf-die-naechste-wachstumsphase-/25900790.html?ticket=ST-664341-iccynk71hYCK6qZZpRzE-ap4",{"text":160,"type":77}," haben als andere. Laut BCG-Deutschlandchef Tauber waren dabei neben Sofortmaßnahmen wie Kostensenkung vor allem ",{"text":162,"type":77,"marks":163},"konsequentes Cash Management und strategische Planung",[164],{"type":102},{"text":166,"type":77}," wichtig.",{"type":73,"content":168},[169,171,175,177,181],{"text":170,"type":77},"In diesem Artikel finden Sie daher ",{"text":172,"type":77,"marks":173},"Tipps, Best Practices",[174],{"type":102},{"text":176,"type":77}," und ",{"text":178,"type":77,"marks":179},"nützliche Tools",[180],{"type":102},{"text":182,"type":77},", die Ihnen bei der Liquiditätsplanung helfen können, um gut durch die aktuelle Krise zu kommen.",{"type":117,"attrs":184,"content":185},{"level":119},[186],{"text":187,"type":77},"100% validierte Ausgaben",{"type":73,"content":189},[190],{"text":191,"type":77},"Um zuverlässige Zukunftsprognosen erstellen zu können, müssen Finanzteams zunächst wissen, wie es um die aktuellen Einnahmen und Ausgaben steht. Dazu zählen neben Fixkosten wie Miete und Lohn auch punktuelle Zahlungen von Mitarbeitern, z.B. für Geschäftsessen, Spesen oder Freelancer.",{"type":73,"content":193},[194,196,209],{"text":195,"type":77},"Doch in vielen Firmen gibt es für diese Art von Ausgaben keine klar definierten Prozesse und Richtlinien. Das führt dazu, dass die Mitarbeiter nicht autonom handeln können, lange auf die Freigabe ihrer Ausgaben warten müssen, und das Finanzteam bis zum ",{"text":197,"type":77,"marks":198},"Monatsende",[199],{"type":156,"attrs":200},{"href":201,"uuid":202,"anchor":26,"target":26,"linktype":203,"story":204},"monatsabschluss-checkliste","42c4544b-c345-4c88-af0e-c2d84effc939","story",{"name":205,"id":206,"uuid":202,"slug":201,"url":207,"full_slug":208,"_stopResolving":42},"​​Monatsabschluss in der Buchhaltung – Prozess und Excel-Checkliste",213425172,"blog/monatsabschluss-checkliste","de/blog/monatsabschluss-checkliste",{"text":210,"type":77}," nicht weiß, wer wieviel wofür ausgegeben hat.",{"type":73,"content":212},[213],{"text":214,"type":77},"Das erschwert nicht nur die Planung für die kommenden Monate, auch unangenehme Überraschungen am Monatsende sind nicht ausgeschlossen: ohne klare Prozesse kann nicht sichergestellt werden, dass alle Ausgaben gerechtfertigt waren.",{"type":73,"content":216},[217,219,225],{"text":218,"type":77},"Um die ",{"text":220,"type":77,"marks":221},"Kontrolle über alle Mitarbeiterausgaben",[222],{"type":156,"attrs":223},{"href":224,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://www.spendesk.com/de/product/spend-control/",{"text":226,"type":77}," zu behalten, und langfristig Zeit und Geld zu sparen, lohnt es sich, in eine Softwarelösung zur Ausgabenverwaltung zu investieren. Alle Ausgaben laufen zentralisiert in einer Plattform zusammen und die Mitarbeiter wissen dank eines klar geregelten Freigabesystems immer, wer ihre Ausgaben genehmigen muss.",{"type":73,"content":228},[229,231,235,237,241],{"text":230,"type":77},"Für das Finanzteam hat das den Vorteil, dass ",{"text":232,"type":77,"marks":233},"jede Ausgabe",[234],{"type":102},{"text":236,"type":77}," von einem Vorgesetzten validiert wurde und es am Monatsende keine bösen Überraschungen oder Budgetüberschreitungen gibt. Außerdem sieht das Finanzteam ",{"text":238,"type":77,"marks":239},"in Echtzeit",[240],{"type":102},{"text":242,"type":77}," auf einer zentralen Plattform, welche Ausgaben von den verschiedenen Teams und den einzelnen Mitarbeitern getätigt wurden.",{"type":117,"attrs":244,"content":245},{"level":119},[246],{"text":247,"type":77},"Cash Management 2.0 dank Echtzeitdaten",{"type":73,"content":249},[250,252,257],{"text":251,"type":77},"Neben den aktuellen Zahlungen hat das Finanzteam in der Spendesk-Plattform Zugriff auf den ",{"text":253,"type":77,"marks":254},"vollständiger Zahlungsverlauf",[255],{"type":156,"attrs":256},{"href":224,"uuid":26,"anchor":26,"target":26,"linktype":60},{"text":258,"type":77}," der Firma mit allen Anfragen und Freigaben. Diese Informationen sind übersichtlich dargestellt und müssen z.B. für die Budgetplanung und das Forecasting nicht erst in einer Excel-Tabelle gesucht werden.",{"type":73,"content":260},[261,263,275,277,283],{"text":262,"type":77},"Für das Finanzteam ist es somit einfacher, den ",{"text":264,"type":77,"marks":265},"Cash Flow",[266],{"type":156,"attrs":267},{"href":268,"uuid":269,"anchor":26,"target":26,"linktype":203,"story":270},"cashflow-berechnen","28a23131-3466-4ef5-bc3c-d2305bdb8315",{"name":271,"id":272,"uuid":269,"slug":268,"url":273,"full_slug":274,"_stopResolving":42},"Cashflow berechnen: Formeln, Beispiele und gängige Methoden",208802939,"blog/cashflow-berechnen","de/blog/cashflow-berechnen",{"text":276,"type":77}," zu kontrollieren und Ausgaben wie z.B. Lieferantenzahlungen, zu antizipieren. Die zentralisierten Daten erleichtern außerdem ",{"text":278,"type":77,"marks":279},"das Reporting",[280],{"type":156,"attrs":281},{"href":282,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://www.spendesk.com/de/product/spending-reports/",{"text":284,"type":77}," am Monats- oder Quartalsende.",{"type":73,"content":286},[287,289,295],{"text":288,"type":77},"Übrigens lassen sich alle Daten zu getätigten Ausgaben mit einem Klick in Ihre Buchhaltungssoftware exportieren. ",{"text":290,"type":77,"marks":291},"Für DATEV",[292],{"type":156,"attrs":293},{"href":294,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://www.spendesk.com/de/integrations/spend-management-datev/",{"text":296,"type":77}," geschieht dies über eine native Integration, für andere Softwares sind personalisierbare Exporte möglich. So spart nicht nur das Finanzteam, sondern auch Ihr Steuerberater wertvolle Zeit.",{"type":73,"content":298},[299,301,305,307,313],{"text":300,"type":77},"Doch zurück zur Liquiditätsplanung. Gerade in Krisenzeiten ist es unerlässlich, sich durch ",{"text":302,"type":77,"marks":303},"intelligente Prognosen",[304],{"type":102},{"text":306,"type":77}," bestmöglich auf die Zukunft vorzubereiten. Dabei ist es hilfreich, verschiedene Szenarien zu erstellen. Sie können zum Beispiel simulieren, wie sich Ihr ",{"text":308,"type":77,"marks":309},"Cashflow",[310],{"type":156,"attrs":311},{"href":268,"uuid":269,"anchor":26,"target":26,"linktype":203,"story":312},{"name":271,"id":272,"uuid":269,"slug":268,"url":273,"full_slug":274,"_stopResolving":42},{"text":314,"type":77}," verhält, wenn Sie im Januar ein Darlehen von der Bank erhalten (best case), oder was geschieht, wenn Sie den Kredit nicht erhalten sollten (worst case), und welche Ausgaben daraufhin angepasst werden müssen.",{"type":73,"content":316},[317,319,325],{"text":318,"type":77},"Für die Berechnung dieser Szenarien und die anschauliche Darstellung gibt es ebenfalls Softwarelösungen wie z.B. ",{"text":320,"type":77,"marks":321},"Agicap",[322],{"type":156,"attrs":323},{"href":324,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://agicap.com/de",{"text":326,"type":77},", die sich direkt mit Ihren Bankkonten verknüpfen lassen. So können Sie im Handumdrehen intelligente Prognosen auf kurz-, mittel- und langfristige Sicht erstellen, interne Budgets bei Bedarf schnell anpassen und die volle Kontrolle und Übersicht über alle Aus-und Einnahmen behalten.",{"type":73,"content":328},[329,332,333,337,339,343],{"text":99,"type":77,"marks":330},[331],{"type":102},{"text":176,"type":77},{"text":334,"type":77,"marks":335},"Cash Management",[336],{"type":102},{"text":338,"type":77}," waren auch Thema eines ",{"text":340,"type":77,"marks":341},"Webinars",[342],{"type":102},{"text":344,"type":77}," von Spendesk und Agicap. Für weitere Tipps & Best Practices können Sie sich hier kostenlos die Aufzeichnung des Webinars ansehen.",{"type":73,"content":346},[347],{"type":108,"attrs":348},{"id":110,"body":349},[350],{"_uid":351,"html":114,"component":115},"622fbe05-9003-4625-a301-ac043f761075",{"name":353,"created_at":354,"published_at":16,"updated_at":355,"id":356,"uuid":357,"content":358,"slug":365,"full_slug":366,"sort_by_date":26,"position":367,"tag_list":368,"is_startpage":29,"parent_id":369,"meta_data":26,"group_id":370,"first_published_at":371,"release_id":26,"lang":33,"path":26,"alternates":372,"default_full_slug":373,"translated_slugs":374,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":359,"icon":360,"name":353,"component":364},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":361,"alt":362,"name":23,"focus":23,"title":23,"filename":363,"copyright":23,"fieldtype":57,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[375,376,377],{"path":373,"name":26,"lang":38,"published":26},{"path":373,"name":26,"lang":33,"published":26},{"path":373,"name":26,"lang":41,"published":26},[33],[380],{"_uid":381,"asset":382,"shadow":29,"caption":23,"overlay":384,"component":385},"fd2c6f5a-aa73-474a-a3b3-b4f677306243",{"alt":23,"name":23,"focus":23,"title":23,"filename":383,"copyright":23,"fieldtype":57,"is_external_url":29},"https://a.storyblok.com/f/146026/1190x670/1bc2494c1a/blog-visual_muenzen.jpg",[],"image",[],"2022-02-01 11:11","3",[],[391],{"_uid":392,"items":393,"heading":440,"reverse":29,"component":459,"sectionSettings":460},"1b767ea1-08d3-40bf-b003-e88e2cfd2fc2",[394,404,413,422,431],{"_uid":395,"title":396,"component":397,"description":398},"f018e886-4841-423c-9984-36118db2c29d","Was ist Ausgabenmanagement und wie hilft es bei der Liquiditätsplanung?","faqItem",{"type":70,"content":399},[400],{"type":73,"content":401},[402],{"text":403,"type":77},"Ausgabenmanagement ist der Prozess, mit dem Unternehmen alle Geschäftsausgaben erfassen, kontrollieren und korrekt zuordnen. Spendesk zentralisiert Zahlungen mit physischen und virtuellen Karten, automatisierten Spesenabrechnungen und einfachem Beleg-Upload, liefert Echtzeitberichte und ermöglicht Finanzteams, Budgets einzuhalten, Kostenstellen korrekt zu buchen und Liquiditätsvorhersagen präzise zu erstellen.",{"_uid":405,"title":406,"component":397,"description":407},"6d3a96d4-26a6-4d5b-aa34-6c3ae9e08310","Wie funktioniert Spendesk?",{"type":70,"content":408},[409],{"type":73,"content":410},[411],{"text":412,"type":77},"Spendesk ist eine Ausgabenmanagement-Plattform, die Zahlungen, Genehmigungen und Buchhaltung verbindet. Spendesk bietet physische und virtuelle Debitkarten, Ausgabenlimits, Genehmigungsworkflows, mobile Beleg-Uploads und automatische Zuordnung von Mehrwertsteuer und Sachkonten sowie zuverlässige Integrationen zu Buchhaltungstools, sodass Finanzteams Ausgaben in Echtzeit kontrollieren und Buchhaltungs-Exporte direkt vorbereiten.",{"_uid":414,"title":415,"component":397,"description":416},"841f32ea-1cd1-427b-9dc6-cfb6e21cdc80","Wie unterstützt Spendesk die Liquiditätsplanung?",{"type":70,"content":417},[418],{"type":73,"content":419},[420],{"text":421,"type":77},"Spendesk unterstützt die Liquiditätsplanung durch Echtzeit-Transparenz aller Ausgaben. Spendesk aggregiert Zahlungen, zeigt offene Verbindlichkeiten und wiederkehrende Kosten, erstellt Cashflow-Berichte und bietet virtuelle Karten sowie Budgetlimits, mit denen Finanzteams unvorhergesehene Ausgaben vermeiden und präzise Kurzzeit- und Monatsprognosen zur Liquidität erstellen.",{"_uid":423,"title":424,"component":397,"description":425},"404a02b1-a3d2-4482-9d32-622407bd0ae8","Welche Zahlungsmethoden bietet Spendesk für Cash Management?",{"type":70,"content":426},[427],{"type":73,"content":428},[429],{"text":430,"type":77},"Spendesk bietet physische Debitkarten, virtuelle Karten, Banküberweisungen und integrierte Rechnungsautomatisierung. 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Im Gegensatz zur Firmenkreditkarte wissen Sie also immer, wer gerade wo Firmengelder ausgibt.",{"type":1896},{"type":1896},{"text":2076,"type":77},"Über die Plattform können Controller:innen Ausgabenlimits und Vorab-Freigaben für die Mitarbeitende festlegen. C-Level-Führungskräfte oder Manager:innen können dabei ein anderes Niveau an vorab genehmigten Ausgaben haben als die restlichen Beschäftigten. Wenn ein Teammitglied sein vorab freigegebenes Budget überschreiten möchte, kann über die mobile App oder die Plattform online eine Anfrage an die entsprechende Führungskraft gestellt werden.",{"type":1896},{"type":1896},{"text":2080,"type":77},"Wenn eine Ausgabe mit einer Spendesk-Karte getätigt wird, macht der/die Mitarbeitende beim Kauf einfach ",{"text":2082,"type":77,"marks":2083},"ein Foto von der Quittung",[2084],{"type":102},{"text":2086,"type":77},". So gehen keine Belege mehr verloren.",{"type":1896},{"type":1896},{"text":2090,"type":77},"Finanzteams können die Ausgaben des Unternehmens in Echtzeit einsehen und fehlende Quittungen oder Rechnungen nachverfolgen, indem sie über die Plattform Erinnerungen an die Beschäftigten senden.",{"type":1896},{"type":1896},{"text":2094,"type":77},"Auch die Überprüfung von Ausgaben ist einfacher, da Ausgaben gruppiert werden können. Das Finanzteam kann vor dem Export in die Buchhaltungssoftware außerdem direkt in Spendesk die richtigen Mehrwertsteuersätze und Sachkonten zuweisen. Spendesk macht das Ausgabenmanagement intuitiv einfach und effizient.",[2096],{"cta":2097,"_uid":2098,"title":2099,"eyebrow":2106,"subtitle":2109,"component":117,"textAlign":23,"sectionSettings":2115,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":70,"content":2100},[2101],{"type":117,"attrs":2102,"content":2103},{"level":448},[2104],{"text":2105,"type":77},"Nutzen Sie Spendesk",{"type":70,"content":2107},[2108],{"type":73},{"type":70,"content":2110},[2111],{"type":73,"content":2112},[2113],{"text":2114,"type":77},"Schließen Sie Ihre Buchhaltung 4x schneller ab, sammeln Sie über 95 % der Belege pünktlich und erhalten Sie 100 % Transparenz über die Unternehmensausgaben.",[],[],"Weitere Artikel","Inhaltsverzeichnis",[2120,2281,2440,2587,2756,2904,3050,3197,3341,3488,3643,3785,3943,4124,4323],{"name":2121,"created_at":2122,"published_at":2123,"updated_at":2124,"id":2125,"uuid":2126,"content":2127,"slug":2270,"full_slug":2271,"sort_by_date":26,"position":2272,"tag_list":2273,"is_startpage":29,"parent_id":472,"meta_data":26,"group_id":2274,"first_published_at":2123,"release_id":26,"lang":33,"path":26,"alternates":2275,"default_full_slug":2276,"translated_slugs":2277},"Kreditorenbuchhaltung automatisieren: Software, Kosten und Auswahlkriterien","2026-08-14T12:47:27.784Z","2026-08-14T12:59:46.186Z","2026-08-14T12:59:46.218Z",208986307762833,"ed93c427-3039-4f78-9df2-773e1dbf84bb",{"_uid":2128,"title":2121,"topics":2129,"noIndex":29,"category":2151,"language":2160,"component":365,"heroMedia":2161,"publishedAt":2162,"redirectUrl":23,"listingImage":2163,"metaDescription":2172,"bottomArticleCta":2173,"componentsAfterTheArticle":2174},"9812fcf3-6e6b-47dd-b038-dc5fa7211347",[2130],{"name":2131,"created_at":2132,"published_at":16,"updated_at":2133,"id":2134,"uuid":2135,"content":2136,"slug":2138,"full_slug":2139,"sort_by_date":26,"position":2140,"tag_list":2141,"is_startpage":29,"parent_id":2142,"meta_data":26,"group_id":2143,"first_published_at":2144,"release_id":26,"lang":33,"path":26,"alternates":2145,"default_full_slug":2146,"translated_slugs":2147,"_stopResolving":42},"Rechnungsverwaltung","2022-10-19T17:57:57.215Z","2026-03-12T10:47:23.690Z",206171431,"be1b855b-c791-4574-9787-eb9772904887",{"_uid":2137,"name":2131,"component":22},"b0df22cd-75d4-4f73-a52c-871ced49a4d3","rechnungsverwaltung","de/blog/topic/rechnungsverwaltung",-350,[],176456153,"3a5d510d-faf0-479d-a850-510efd01fc17","2022-11-02T15:24:45.775Z",[],"blog/topic/rechnungsverwaltung",[2148,2149,2150],{"path":2146,"name":26,"lang":38,"published":26},{"path":2146,"name":26,"lang":33,"published":26},{"path":2146,"name":26,"lang":41,"published":26},{"name":353,"created_at":354,"published_at":16,"updated_at":355,"id":356,"uuid":357,"content":2152,"slug":365,"full_slug":366,"sort_by_date":26,"position":367,"tag_list":2154,"is_startpage":29,"parent_id":369,"meta_data":26,"group_id":370,"first_published_at":371,"release_id":26,"lang":33,"path":26,"alternates":2155,"default_full_slug":373,"translated_slugs":2156,"_stopResolving":42},{"_uid":359,"icon":2153,"name":353,"component":364},{"id":361,"alt":362,"name":23,"focus":23,"title":23,"filename":363,"copyright":23,"fieldtype":57,"is_external_url":29},[],[],[2157,2158,2159],{"path":373,"name":26,"lang":38,"published":26},{"path":373,"name":26,"lang":33,"published":26},{"path":373,"name":26,"lang":41,"published":26},[33],[],"2026-08-14 00:00",[2164],{"_uid":2165,"asset":2166,"caption":23,"component":385},"eb8e1af8-f1c7-452f-8485-fa6a8de65ae5",{"id":2167,"alt":2168,"name":23,"focus":23,"title":2169,"source":23,"filename":2170,"copyright":493,"fieldtype":57,"meta_data":2171,"is_external_url":29},208987005136357,"Abstrakte monochrome Illustration in warmen Beigetönen, die einen digitalen Rechnungsworkflow und die Automatisierung der Kreditorenbuchhaltung symbolisiert.","Kreditorenbuchhaltung automatisieren","https://a.storyblok.com/f/146026/2752x1536/16b8c47913/kreditorenbuchhaltung-titelbild-beige-monochrom.jpg",{"alt":2168,"title":2169,"source":23,"copyright":493},"Kreditorenbuchhaltung automatisieren: Erfahren Sie, wie digitale Workflows Rechnungen erfassen, prüfen, freigeben, bezahlen und an DATEV übertragen.",[],[2175],{"cta":2176,"_uid":2177,"items":2178,"heading":2249,"reverse":29,"component":459,"sectionSettings":2269},[],"96588e49-1be0-4960-9e94-0a9bc8358166",[2179,2193,2207,2221,2235],{"_uid":2180,"hide":29,"title":2181,"component":397,"description":2182},"fbe969f9-5406-46f0-97a8-3479a117eb7b","Was bedeutet es, Kreditorenbuchhaltung zu automatisieren?",{"type":70,"attrs":2183,"content":2184},{"backgroundColor":26},[2185],{"type":73,"attrs":2186,"content":2187},{"textAlign":26},[2188],{"text":2189,"type":77,"marks":2190},"Kreditorenbuchhaltung zu automatisieren bedeutet, manuelle Schritte im Prozess rund um Eingangsrechnungen durch digitale Erfassung, Regeln, Freigabeworkflows und Schnittstellen zu reduzieren. Ziel ist ein nachvollziehbarer Prozess von der Rechnung bis zur Zahlung und Archivierung.",[2191],{"type":1125,"attrs":2192},{"color":1890},{"_uid":2194,"hide":29,"title":2195,"component":397,"description":2196},"12a1fe09-95a0-4e9c-8364-3c462b7b2a9d","Welche Funktionen sollte eine AP-Automation-Software bieten?",{"type":70,"attrs":2197,"content":2198},{"backgroundColor":26},[2199],{"type":73,"attrs":2200,"content":2201},{"textAlign":26},[2202],{"text":2203,"type":77,"marks":2204},"Wichtige Funktionen sind digitale Rechnungserfassung, OCR, Kontierungsvorschläge, Rechnungsprüfung, Duplikaterkennung, Freigabeworkflows, Bestellabgleich, Zahlungsplanung, Archivierung sowie DATEV- oder ERP-Schnittstellen.",[2205],{"type":1125,"attrs":2206},{"color":1890},{"_uid":2208,"hide":29,"title":2209,"component":397,"description":2210},"bce47db9-5661-4913-a4ba-12e4b3d87b9e","Ist eine digitale Kreditorenbuchhaltung automatisch GoBD-konform?",{"type":70,"attrs":2211,"content":2212},{"backgroundColor":26},[2213],{"type":73,"attrs":2214,"content":2215},{"textAlign":26},[2216],{"text":2217,"type":77,"marks":2218},"Nein. Eine Software kann GoBD-konforme Prozesse unterstützen. Für die vollständige Einhaltung sind zusätzlich die Verfahrensdokumentation, die Rollen- und Rechteverwaltung, die Prozessgestaltung und die tatsächliche Nutzung des Systems entscheidend.",[2219],{"type":1125,"attrs":2220},{"color":1890},{"_uid":2222,"hide":29,"title":2223,"component":397,"description":2224},"6f66e96f-23b7-437d-9e35-12f4f7c046c4","Wie lange müssen Rechnungen aufbewahrt werden?",{"type":70,"attrs":2225,"content":2226},{"backgroundColor":26},[2227],{"type":73,"attrs":2228,"content":2229},{"textAlign":26},[2230],{"text":2231,"type":77,"marks":2232},"Rechnungen und andere Buchungsbelege müssen grundsätzlich acht Jahre aufbewahrt werden. Für Bücher, Inventare, Eröffnungsbilanzen und Jahresabschlüsse gilt weiterhin eine zehnjährige Aufbewahrungsfrist.",[2233],{"type":1125,"attrs":2234},{"color":1890},{"_uid":2236,"hide":29,"title":2237,"component":397,"description":2238},"6c96769a-b644-4a7c-8588-62141ef6b113","Welche Vorteile bietet eine integrierte Plattform?",{"type":70,"attrs":2239,"content":2240},{"backgroundColor":26},[2241],{"type":73,"attrs":2242,"content":2243},{"textAlign":26},[2244],{"text":2245,"type":77,"marks":2246},"Eine integrierte Plattform kann Rechnungen, Firmenkarten, Ausgaben, Bestellungen, Freigaben und Zahlungen in einem gemeinsamen Workflow verbinden. Dadurch müssen Finanzteams weniger Daten zwischen verschiedenen Systemen abstimmen.",[2247],{"type":1125,"attrs":2248},{"color":1890},[2250],{"cta":2251,"_uid":2252,"title":2253,"eyebrow":2261,"subtitle":2264,"component":117,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2267,"sectionSettings":2268,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"837ad85a-75fe-4850-a73f-a7faed9a20da",{"type":70,"attrs":2254,"content":2255},{"backgroundColor":26},[2256],{"type":117,"attrs":2257,"content":2258},{"level":448,"textAlign":26},[2259],{"text":2260,"type":77},"Häufige Fragen  zur Automatisierung der Kreditorenbuchhaltung",{"type":70,"content":2262},[2263],{"type":73},{"type":70,"content":2265},[2266],{"type":73},[],[],[],"kreditorenbuchhaltung-automatisieren-software-kosten-auswahlkriterien","de/blog/kreditorenbuchhaltung-automatisieren-software-kosten-auswahlkriterien",-2490,[],"e05c4ebc-be20-47c0-99bd-e54fce1a57a1",[],"blog/kreditorenbuchhaltung-automatisieren-software-kosten-auswahlkriterien",[2278,2279,2280],{"path":2276,"name":26,"lang":38,"published":26},{"path":2276,"name":26,"lang":33,"published":26},{"path":2276,"name":26,"lang":41,"published":26},{"name":2282,"created_at":2283,"published_at":2284,"updated_at":2285,"id":2286,"uuid":2287,"content":2288,"slug":2429,"full_slug":2430,"sort_by_date":26,"position":2431,"tag_list":2432,"is_startpage":29,"parent_id":472,"meta_data":26,"group_id":2433,"first_published_at":2284,"release_id":26,"lang":33,"path":26,"alternates":2434,"default_full_slug":2435,"translated_slugs":2436},"Alternativen zu Payhawk, Pliant und Moss: Ausgabenmanagement im Vergleich","2026-08-14T11:41:35.141Z","2026-08-14T12:04:49.612Z","2026-08-14T12:04:49.649Z",208970117793046,"6cbc9a1b-d4fc-4a84-a653-1afd8d5294cc",{"_uid":2289,"title":2282,"topics":2290,"noIndex":29,"category":2311,"language":2320,"component":365,"heroMedia":2321,"publishedAt":2162,"redirectUrl":23,"listingImage":2322,"metaDescription":2331,"bottomArticleCta":2332,"componentsAfterTheArticle":2333},"8062aa90-67bc-4313-b3df-0b9892c509f6",[2291],{"name":2292,"created_at":2293,"published_at":16,"updated_at":2294,"id":2295,"uuid":2296,"content":2297,"slug":2299,"full_slug":2300,"sort_by_date":26,"position":2301,"tag_list":2302,"is_startpage":29,"parent_id":2142,"meta_data":26,"group_id":2303,"first_published_at":2304,"release_id":26,"lang":33,"path":26,"alternates":2305,"default_full_slug":2306,"translated_slugs":2307,"_stopResolving":42},"Finance tools & tech","2022-10-23T14:54:45.602Z","2026-03-12T10:47:24.227Z",208013309,"1ea23fbc-cf76-421e-a8c6-73b89787bb95",{"_uid":2298,"name":2292,"component":22,"hubspotId":23},"3f4c451e-8e90-42af-8ab4-49c7a12230b6","finance-tools-tech","de/blog/topic/finance-tools-tech",-550,[],"fb813b9f-0756-465f-92a3-1598217d5c5c","2022-11-02T15:24:38.734Z",[],"blog/topic/finance-tools-tech",[2308,2309,2310],{"path":2306,"name":26,"lang":38,"published":26},{"path":2306,"name":26,"lang":33,"published":26},{"path":2306,"name":26,"lang":41,"published":26},{"name":353,"created_at":354,"published_at":16,"updated_at":355,"id":356,"uuid":357,"content":2312,"slug":365,"full_slug":366,"sort_by_date":26,"position":367,"tag_list":2314,"is_startpage":29,"parent_id":369,"meta_data":26,"group_id":370,"first_published_at":371,"release_id":26,"lang":33,"path":26,"alternates":2315,"default_full_slug":373,"translated_slugs":2316,"_stopResolving":42},{"_uid":359,"icon":2313,"name":353,"component":364},{"id":361,"alt":362,"name":23,"focus":23,"title":23,"filename":363,"copyright":23,"fieldtype":57,"is_external_url":29},[],[],[2317,2318,2319],{"path":373,"name":26,"lang":38,"published":26},{"path":373,"name":26,"lang":33,"published":26},{"path":373,"name":26,"lang":41,"published":26},[33],[],[2323],{"_uid":2324,"asset":2325,"caption":23,"component":385},"3b51b4cf-b73b-4932-92ce-736c21219dc6",{"id":2326,"alt":2327,"name":23,"focus":23,"title":2328,"source":23,"filename":2329,"copyright":493,"fieldtype":57,"meta_data":2330,"is_external_url":29},208970285422666,"Mehrere abstrakte Zahlungskarten und ein Beleg liegen auf violett gewellten Linien","Corporate Cards und Ausgabenmanagement im Vergleich","https://a.storyblok.com/f/146026/2752x1536/b58b55f944/ausgabenmanagement-alternativen-titelbild.jpg",{"alt":2327,"title":2328,"source":23,"copyright":493},"Payhawk, Pliant, Moss, Expensify, Rydoo oder Spendesk? Der Vergleich zeigt Unterschiede bei Firmenkarten, DATEV, Spesen, Rechnungen und Ausgabenmanagement.",[],[2334],{"cta":2335,"_uid":2336,"items":2337,"heading":2408,"reverse":29,"component":459,"sectionSettings":2428},[],"3c79f700-1f45-49d5-966a-3cb4fcb19116",[2338,2352,2366,2380,2394],{"_uid":2339,"hide":29,"title":2340,"component":397,"description":2341},"db76d488-98af-454b-88c7-c11a6a6e9434","Was ist die beste Alternative zu Payhawk?",{"type":70,"attrs":2342,"content":2343},{"backgroundColor":26},[2344],{"type":73,"attrs":2345,"content":2346},{"textAlign":26},[2347],{"text":2348,"type":77,"marks":2349},"Das hängt vom Schwerpunkt ab. Payhawk-Alternativen mit unterschiedlichen Profilen sind beispielsweise Moss für Karten, Rechnungen und DATEV, Pliant für Kreditkarten, Rydoo für Reisekosten und Spendesk für Karten, Ausgaben, Rechnungen und Beschaffung. Eine allgemeine Rangfolge wäre ohne einheitliche Gewichtung nicht belastbar.",[2350],{"type":1125,"attrs":2351},{"color":1890},{"_uid":2353,"hide":29,"title":2354,"component":397,"description":2355},"8bae7f2e-a320-4460-ab47-5b760f3251db","Was ist eine gute Alternative zu Pliant?",{"type":70,"attrs":2356,"content":2357},{"backgroundColor":26},[2358],{"type":73,"attrs":2359,"content":2360},{"textAlign":26},[2361],{"text":2362,"type":77,"marks":2363},"Pliant ist auf Visa-Kreditkarten ausgerichtet. Wenn Sie eine Kreditlinie benötigen, sollten Sie die Bonitätsanforderungen und Konditionen anderer Kreditkartenanbieter vergleichen. Wenn Ausgabenkontrolle, Budgets und Beschaffung wichtiger sind als eine Kreditlinie, können Debitkartenlösungen wie Spendesk oder Payhawk besser zum Prozess passen.",[2364],{"type":1125,"attrs":2365},{"color":1890},{"_uid":2367,"hide":29,"title":2368,"component":397,"description":2369},"614ce44b-98d5-4b39-a479-9b94fffbf115","Was ist eine gute Alternative zu Moss?",{"type":70,"attrs":2370,"content":2371},{"backgroundColor":26},[2372],{"type":73,"attrs":2373,"content":2374},{"textAlign":26},[2375],{"text":2376,"type":77,"marks":2377},"Moss ist stark bei Karten, Rechnungsverarbeitung und DATEV. Als Alternativen kommen Payhawk, Spendesk oder Rydoo infrage, je nachdem, ob Multi-Entity, Procurement, Ausgabenkontrolle oder Reisekosten im Mittelpunkt stehen.",[2378],{"type":1125,"attrs":2379},{"color":1890},{"_uid":2381,"hide":29,"title":2382,"component":397,"description":2383},"d2774960-587d-447a-90ef-980ccafa450b","Brauche ich für eine Firmenkarte eine Schufa-Prüfung?",{"type":70,"attrs":2384,"content":2385},{"backgroundColor":26},[2386],{"type":73,"attrs":2387,"content":2388},{"textAlign":26},[2389],{"text":2390,"type":77,"marks":2391},"Das hängt vom Kartenmodell, Anbieter und Vertrag ab. Eine Kreditlinie erfordert häufig eine Bonitätsprüfung des Unternehmens. Bei Debit- oder vorfinanzierten Karten wird in der Regel keine Kreditlinie eingeräumt. Daraus folgt aber nicht automatisch, dass keinerlei Identitäts-, Compliance- oder Bonitätsprüfung stattfindet.",[2392],{"type":1125,"attrs":2393},{"color":1890},{"_uid":2395,"hide":29,"title":2396,"component":397,"description":2397},"b3db5885-0d19-445a-a401-eb4ef7c7a97c","Welche Lösung bietet eine DATEV-Anbindung?",{"type":70,"attrs":2398,"content":2399},{"backgroundColor":26},[2400],{"type":73,"attrs":2401,"content":2402},{"textAlign":26},[2403],{"text":2404,"type":77,"marks":2405},"Payhawk, Pliant, Moss, Rydoo und Spendesk bieten nach ihren aktuellen Anbieterinformationen DATEV-bezogene Integrationen oder Exporte. Die Tiefe unterscheidet sich jedoch deutlich. Prüfen Sie, ob es sich um DATEV Unternehmen online, DATEV Rechnungswesen, den Rechnungsdatenservice, den Buchungsdatenservice oder lediglich um einen Datei-Export handelt.",[2406],{"type":1125,"attrs":2407},{"color":1890},[2409],{"cta":2410,"_uid":2411,"title":2412,"eyebrow":2420,"subtitle":2423,"component":117,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2426,"sectionSettings":2427,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"f33a388c-1f72-4f73-9cd3-af1190c1be59",{"type":70,"attrs":2413,"content":2414},{"backgroundColor":26},[2415],{"type":117,"attrs":2416,"content":2417},{"level":448,"textAlign":26},[2418],{"text":2419,"type":77},"Häufige Fragen zu Ausgabenmanagement-Tools",{"type":70,"content":2421},[2422],{"type":73},{"type":70,"content":2424},[2425],{"type":73},[],[],[],"payhawk-pliant-moss-ausgabenmanagement-vergleich","de/blog/payhawk-pliant-moss-ausgabenmanagement-vergleich",-2470,[],"a191dd54-60a2-4f80-81fc-7e4c78e97a04",[],"blog/payhawk-pliant-moss-ausgabenmanagement-vergleich",[2437,2438,2439],{"path":2435,"name":26,"lang":38,"published":26},{"path":2435,"name":26,"lang":33,"published":26},{"path":2435,"name":26,"lang":41,"published":26},{"name":2441,"created_at":2442,"published_at":2443,"updated_at":2444,"id":2445,"uuid":2446,"content":2447,"slug":2576,"full_slug":2577,"sort_by_date":26,"position":2578,"tag_list":2579,"is_startpage":29,"parent_id":472,"meta_data":26,"group_id":2580,"first_published_at":2443,"release_id":26,"lang":33,"path":26,"alternates":2581,"default_full_slug":2582,"translated_slugs":2583},"Abschlagsrechnung buchen: Anzahlungen, Umsatzsteuer und Schlussrechnung","2026-08-14T10:20:17.272Z","2026-08-14T10:52:25.835Z","2026-08-14T10:52:25.892Z",208950137980320,"41560385-a1c8-4e3b-93cd-7ee37532bb32",{"_uid":2448,"title":2441,"topics":2449,"noIndex":29,"category":2458,"language":2467,"component":365,"heroMedia":2468,"publishedAt":2162,"redirectUrl":23,"listingImage":2469,"metaDescription":2478,"bottomArticleCta":2479,"componentsAfterTheArticle":2480},"d6f83b18-de84-4ae1-a6c1-5ce9d346322b",[2450],{"name":2131,"created_at":2132,"published_at":16,"updated_at":2133,"id":2134,"uuid":2135,"content":2451,"slug":2138,"full_slug":2139,"sort_by_date":26,"position":2140,"tag_list":2452,"is_startpage":29,"parent_id":2142,"meta_data":26,"group_id":2143,"first_published_at":2144,"release_id":26,"lang":33,"path":26,"alternates":2453,"default_full_slug":2146,"translated_slugs":2454,"_stopResolving":42},{"_uid":2137,"name":2131,"component":22},[],[],[2455,2456,2457],{"path":2146,"name":26,"lang":38,"published":26},{"path":2146,"name":26,"lang":33,"published":26},{"path":2146,"name":26,"lang":41,"published":26},{"name":353,"created_at":354,"published_at":16,"updated_at":355,"id":356,"uuid":357,"content":2459,"slug":365,"full_slug":366,"sort_by_date":26,"position":367,"tag_list":2461,"is_startpage":29,"parent_id":369,"meta_data":26,"group_id":370,"first_published_at":371,"release_id":26,"lang":33,"path":26,"alternates":2462,"default_full_slug":373,"translated_slugs":2463,"_stopResolving":42},{"_uid":359,"icon":2460,"name":353,"component":364},{"id":361,"alt":362,"name":23,"focus":23,"title":23,"filename":363,"copyright":23,"fieldtype":57,"is_external_url":29},[],[],[2464,2465,2466],{"path":373,"name":26,"lang":38,"published":26},{"path":373,"name":26,"lang":33,"published":26},{"path":373,"name":26,"lang":41,"published":26},[33],[],[2470],{"_uid":2471,"asset":2472,"caption":23,"component":385},"82e995a4-3220-4637-9d50-9f9cfabb697f",{"id":2473,"alt":2474,"name":23,"focus":23,"title":2475,"source":23,"filename":2476,"copyright":493,"fieldtype":57,"meta_data":2477,"is_external_url":29},208952781804370,"Abstrakte grüne Editorial-Illustration mit gestapelten Rechnungsdokumenten und Zahlungsstufen, passend zum Artikel über Anzahlungen, Umsatzsteuer und Schlussrechnung.","Abschlagsrechnung und Schlussrechnung im Überblick","https://a.storyblok.com/f/146026/2752x1536/ce7e2fd626/abschlagsrechnung-titelbild-gruenton-vorlage.jpg",{"alt":2474,"title":2475,"source":23,"copyright":493},"Abschlagsrechnung richtig buchen: Unterschiede zu Anzahlungen und Teilrechnungen, Umsatzsteuer, Vorsteuer, Buchungssätze und Schlussrechnung verständlich erklärt.",[],[2481],{"cta":2482,"_uid":2483,"items":2484,"heading":2555,"reverse":29,"component":459,"sectionSettings":2575},[],"4d0a1dcd-ce23-4c3f-8d59-503c4f72c14f",[2485,2499,2513,2527,2541],{"_uid":2486,"hide":29,"title":2487,"component":397,"description":2488},"b9917233-95d6-40dd-969b-b29f4a22280a","Ist eine Abschlagsrechnung dasselbe wie eine Anzahlungsrechnung?",{"type":70,"attrs":2489,"content":2490},{"backgroundColor":26},[2491],{"type":73,"attrs":2492,"content":2493},{"textAlign":26},[2494],{"text":2495,"type":77,"marks":2496},"Nicht zwingend. Eine Anzahlung wird vor der Ausführung der Leistung geleistet. Eine Abschlagszahlung kann sich auf den Projektfortschritt beziehen, ohne dass bereits eine umsatzsteuerliche Teilleistung vorliegt. Die Begriffe werden in der Praxis teilweise synonym verwendet, sollten im Artikel aber sauber unterschieden werden.",[2497],{"type":1125,"attrs":2498},{"color":1890},{"_uid":2500,"hide":29,"title":2501,"component":397,"description":2502},"d19b11dc-5e11-45d9-9e29-b9b37ba7fb2d","Wann entsteht die Umsatzsteuer bei einer Abschlagsrechnung?",{"type":70,"attrs":2503,"content":2504},{"backgroundColor":26},[2505],{"type":73,"attrs":2506,"content":2507},{"textAlign":26},[2508],{"text":2509,"type":77,"marks":2510},"Bei einer Vorauszahlung vor Leistungsausführung grundsätzlich mit dem Zahlungseingang. Bei einer echten Teilleistung grundsätzlich mit deren Ausführung. Das Rechnungsdatum allein entscheidet nicht über den Zeitpunkt der Umsatzsteuer.",[2511],{"type":1125,"attrs":2512},{"color":1890},{"_uid":2514,"hide":29,"title":2515,"component":397,"description":2516},"40e35176-4041-4e7b-ba2e-d97ef5b5e150","Wann darf die Vorsteuer aus einer Anzahlungsrechnung abgezogen werden?",{"type":70,"attrs":2517,"content":2518},{"backgroundColor":26},[2519],{"type":73,"attrs":2520,"content":2521},{"textAlign":26},[2522],{"text":2523,"type":77,"marks":2524},"Bei einer Vorauszahlung müssen grundsätzlich sowohl eine ordnungsgemäße Rechnung als auch die Zahlung vorliegen. Bei einer bereits ausgeführten Lieferung oder Leistung ist die Zahlung dagegen grundsätzlich keine zusätzliche Voraussetzung.",[2525],{"type":1125,"attrs":2526},{"color":1890},{"_uid":2528,"hide":29,"title":2529,"component":397,"description":2530},"efa4f933-e55e-4bae-aee2-a7cfcbea5fd1","Was muss die Schlussrechnung enthalten?",{"type":70,"attrs":2531,"content":2532},{"backgroundColor":26},[2533],{"type":73,"attrs":2534,"content":2535},{"textAlign":26},[2536],{"text":2537,"type":77,"marks":2538},"Die Schlussrechnung sollte die Gesamtleistung, die darauf entfallende Umsatzsteuer sowie alle bereits berücksichtigten Anzahlungen oder Abschlagszahlungen ausweisen. Daraus muss der verbleibende Nettobetrag, die verbleibende Umsatzsteuer und der noch offene Bruttobetrag eindeutig hervorgehen.",[2539],{"type":1125,"attrs":2540},{"color":1890},{"_uid":2542,"hide":29,"title":2543,"component":397,"description":2544},"fd4866a2-5084-4408-9a69-81eb2b0cc452","Welche Konten gelten für Anzahlungen in SKR03 und SKR04?",{"type":70,"attrs":2545,"content":2546},{"backgroundColor":26},[2547],{"type":73,"attrs":2548,"content":2549},{"textAlign":26},[2550],{"text":2551,"type":77,"marks":2552},"Für geleistete Anzahlungen werden beispielsweise Konten wie 1518 im SKR03 und 1186 im SKR04 verwendet. Für erhaltene Anzahlungen mit 19 Prozent Umsatzsteuer kommen häufig 1718 im SKR03 und 3272 im SKR04 zum Einsatz. Die Konten sind jedoch nur Beispiele und müssen mit dem aktuellen DATEV-Kontenrahmen und dem individuellen Kontenplan abgeglichen werden.",[2553],{"type":1125,"attrs":2554},{"color":1890},[2556],{"cta":2557,"_uid":2558,"title":2559,"eyebrow":2567,"subtitle":2570,"component":117,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2573,"sectionSettings":2574,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"fa213644-c790-46f2-a4b5-94d0b9a80b2d",{"type":70,"attrs":2560,"content":2561},{"backgroundColor":26},[2562],{"type":117,"attrs":2563,"content":2564},{"level":448,"textAlign":26},[2565],{"text":2566,"type":77},"Häufige Fragen zur Abschlagsrechnung",{"type":70,"content":2568},[2569],{"type":73},{"type":70,"content":2571},[2572],{"type":73},[],[],[],"abschlagsrechnung-buchen-anzahlungen-umsatzsteuer-schlussrechnung","de/blog/abschlagsrechnung-buchen-anzahlungen-umsatzsteuer-schlussrechnung",-2450,[],"9a2632ca-59bc-47dc-81d7-e7c5bf2a72ed",[],"blog/abschlagsrechnung-buchen-anzahlungen-umsatzsteuer-schlussrechnung",[2584,2585,2586],{"path":2582,"name":26,"lang":38,"published":26},{"path":2582,"name":26,"lang":33,"published":26},{"path":2582,"name":26,"lang":41,"published":26},{"name":2588,"created_at":2589,"published_at":2590,"updated_at":2591,"id":2592,"uuid":2593,"content":2594,"slug":2745,"full_slug":2746,"sort_by_date":26,"position":2747,"tag_list":2748,"is_startpage":29,"parent_id":472,"meta_data":26,"group_id":2749,"first_published_at":2590,"release_id":26,"lang":33,"path":26,"alternates":2750,"default_full_slug":2751,"translated_slugs":2752},"Belege digitalisieren: Scanner, OCR und Archivierung im Vergleich","2026-08-14T07:51:52.487Z","2026-08-14T08:11:03.782Z","2026-08-14T08:11:03.812Z",208913663992495,"fc19646e-0241-479b-b2f4-0ab33db23725",{"_uid":2595,"title":2588,"topics":2596,"noIndex":29,"category":2615,"language":2624,"component":365,"heroMedia":2625,"publishedAt":2162,"redirectUrl":23,"listingImage":2626,"metaDescription":2631,"bottomArticleCta":2634,"componentsAfterTheArticle":2635},"026b6f25-b49a-44e5-b70f-096fae08c72b",[2597],{"name":2598,"created_at":2599,"published_at":16,"updated_at":2600,"id":2601,"uuid":2602,"content":2603,"slug":2604,"full_slug":2605,"sort_by_date":26,"position":2301,"tag_list":2606,"is_startpage":29,"parent_id":2142,"meta_data":26,"group_id":2607,"first_published_at":2608,"release_id":26,"lang":33,"path":26,"alternates":2609,"default_full_slug":2610,"translated_slugs":2611,"_stopResolving":42},"Geschäftsausgaben","2022-10-24T16:11:35.894Z","2026-03-12T10:47:31.364Z",208763789,"2e74ff1e-c931-4b4b-be73-cfed9979a153",{"_uid":2298,"name":2598,"component":22,"hubspotId":23},"geschaeftsausgaben","de/blog/topic/geschaeftsausgaben",[],"3faaf794-80d2-438d-b107-65619171cb1c","2022-11-02T15:24:38.392Z",[],"blog/topic/geschaeftsausgaben",[2612,2613,2614],{"path":2610,"name":26,"lang":38,"published":26},{"path":2610,"name":26,"lang":33,"published":26},{"path":2610,"name":26,"lang":41,"published":26},{"name":353,"created_at":354,"published_at":16,"updated_at":355,"id":356,"uuid":357,"content":2616,"slug":365,"full_slug":366,"sort_by_date":26,"position":367,"tag_list":2618,"is_startpage":29,"parent_id":369,"meta_data":26,"group_id":370,"first_published_at":371,"release_id":26,"lang":33,"path":26,"alternates":2619,"default_full_slug":373,"translated_slugs":2620,"_stopResolving":42},{"_uid":359,"icon":2617,"name":353,"component":364},{"id":361,"alt":362,"name":23,"focus":23,"title":23,"filename":363,"copyright":23,"fieldtype":57,"is_external_url":29},[],[],[2621,2622,2623],{"path":373,"name":26,"lang":38,"published":26},{"path":373,"name":26,"lang":33,"published":26},{"path":373,"name":26,"lang":41,"published":26},[33],[],[2627],{"_uid":2628,"asset":2629,"caption":23,"component":385},"bc743477-ea90-4272-b5bd-cac7ec81381f",{"id":2630,"alt":2631,"name":23,"focus":23,"title":2588,"source":23,"filename":2632,"copyright":493,"fieldtype":57,"meta_data":2633,"is_external_url":29},208914437945228,"Belege digitalisieren ohne Papierchaos: Scanner, OCR, DATEV-Schnittstellen und GoBD-Anforderungen für Finanzteams verständlich erklärt.","https://a.storyblok.com/f/146026/2752x1536/6e3f2562c5/belege-digitalisieren-titelbild.jpg",{"alt":2631,"title":2588,"source":23,"copyright":493},[],[2636],{"cta":2637,"_uid":2638,"items":2639,"heading":2724,"reverse":29,"component":459,"sectionSettings":2744},[],"e370bcdd-3c58-4622-a01e-5be9234307de",[2640,2654,2668,2682,2696,2710],{"_uid":2641,"hide":29,"title":2642,"component":397,"description":2643},"05a3e158-574f-4a01-878d-02752a38f98b","Was ist ein Belegscanner?",{"type":70,"attrs":2644,"content":2645},{"backgroundColor":26},[2646],{"type":73,"attrs":2647,"content":2648},{"textAlign":26},[2649],{"text":2650,"type":77,"marks":2651},"Ein Belegscanner erfasst Papierbelege mit einer Kamera oder einem Scanner und speichert sie digital. Je nach Lösung können zusätzlich Text und buchungsrelevante Felder automatisch erkannt werden.",[2652],{"type":1125,"attrs":2653},{"color":1890},{"_uid":2655,"hide":29,"title":2656,"component":397,"description":2657},"1eb415df-f6c8-48b9-8146-d17c20e23b62","Wie funktioniert die Belegerkennung?",{"type":70,"attrs":2658,"content":2659},{"backgroundColor":26},[2660],{"type":73,"attrs":2661,"content":2662},{"textAlign":26},[2663],{"text":2664,"type":77,"marks":2665},"Die Software analysiert das Bild eines Belegs, erkennt Text und ordnet Informationen wie Lieferant, Datum, Betrag oder Umsatzsteuer bestimmten Feldern zu. Die Ergebnisse sollten vor der Buchung geprüft werden.",[2666],{"type":1125,"attrs":2667},{"color":1890},{"_uid":2669,"hide":29,"title":2670,"component":397,"description":2671},"7b7ed815-2e9f-4b7d-af7b-e8796010e6e6","Sind gescannte Belege steuerlich gültig?",{"type":70,"attrs":2672,"content":2673},{"backgroundColor":26},[2674],{"type":73,"attrs":2675,"content":2676},{"textAlign":26},[2677],{"text":2678,"type":77,"marks":2679},"Ein Scan kann als digitaler Buchungsbeleg verwendet werden, wenn der Scanprozess ordnungsgemäß dokumentiert ist und das digitale Dokument vollständig, lesbar und nachvollziehbar aufbewahrt wird. Die konkreten Anforderungen hängen vom Dokument und vom Prozess ab.",[2680],{"type":1125,"attrs":2681},{"color":1890},{"_uid":2683,"hide":29,"title":2684,"component":397,"description":2685},"669e1f7f-8eeb-4865-99fa-08798c2167b7","Darf ich Papierbelege nach dem Scannen vernichten?",{"type":70,"attrs":2686,"content":2687},{"backgroundColor":26},[2688],{"type":73,"attrs":2689,"content":2690},{"textAlign":26},[2691],{"text":2692,"type":77,"marks":2693},"Nicht immer sofort und nicht ohne Prüfung. Beim ersetzenden Scannen müssen die gesetzlichen und organisatorischen Anforderungen erfüllt sein. 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Mit digitalem Freigaberouting sinkt sie deutlich, in stark automatisierten Prozessen oft auf unter drei Werktage.",[3725],{"type":1125,"attrs":3726},{"color":1890},{"_uid":3728,"hide":29,"title":3729,"component":397,"description":3730},"958fc5f8-ccd0-489c-aabf-9198e44018ff","Braucht ein kleines Unternehmen ohne SAP eine BANF?",{"type":70,"content":3731},[3732],{"type":73,"attrs":3733,"content":3734},{"textAlign":26},[3735],{"text":3736,"type":77,"marks":3737},"Ja. Die Bedarfsanforderung ist ERP-unabhängig. Schon ab etwa 50 Mitarbeitenden zahlt sich die vorgelagerte Freigabekontrolle aus.",[3738],{"type":1125,"attrs":3739},{"color":1890},{"_uid":3741,"hide":29,"title":3742,"component":397,"description":3743},"5c820645-cba6-4c8f-a3a5-0637b2fccee7","Was ist Maverick Buying und wie hilft die BANF dagegen?",{"type":70,"content":3744},[3745],{"type":73,"attrs":3746,"content":3747},{"textAlign":26},[3748],{"text":3749,"type":77,"marks":3750},"Maverick Spend bezeichnet Käufe, die an vereinbarten Prozessen vorbeilaufen, auch kleine Beträge ab 50 Euro. 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