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Die Ursache liegt häufig in fehlenden Prüfungen. Ein Nutzer verlässt das Unternehmen, ein Projekt endet oder ein Team wechselt zu einer anderen Lösung. Das alte Abo bleibt trotzdem bestehen.",[617],{"type":162,"attrs":618},{"color":164},{"type":110,"attrs":620,"content":621},{"textAlign":25,"key":167},[622],{"text":623,"type":116,"marks":624},"Für eine regelmäßige Prüfung können Sie beispielsweise die bezahlte Lizenzanzahl mit den aktiven Nutzern der vergangenen sechzig Tage vergleichen. Die Frist ist keine gesetzliche Vorgabe, sondern eine mögliche interne Kontrollroutine. Viele Anbieter stellen Nutzungsberichte im Administrationsbereich bereit.",[625],{"type":162,"attrs":626},{"color":164},{"type":110,"attrs":628,"content":629},{"textAlign":25,"key":176},[630],{"text":631,"type":116,"marks":632},"Auch doppelte Tools sind ein häufiges Kostenproblem. Der Vertrieb nutzt vielleicht ein CRM mit integrierten Formularen, während das Marketing zusätzlich ein separates Formular-Tool bezahlt. Ein quartalsweiser Abgleich nach Kategorien wie Projektmanagement, Kommunikation, Design oder Analyse zeigt, wo Funktionen überlappen.",[633],{"type":162,"attrs":634},{"color":164},{"type":110,"attrs":636,"content":637},{"textAlign":25,"key":195},[638],{"text":639,"type":116,"marks":640},"Bei jeder Prüfung sollte die verantwortliche Person drei Fragen beantworten:",[641],{"type":162,"attrs":642},{"color":164},{"type":644,"attrs":645,"content":648},"ordered_list",{"order":646,"key":647},1,"ol-0",[649,659,669],{"type":224,"content":650},[651],{"type":110,"attrs":652,"content":653},{"textAlign":25,"key":204},[654],{"text":655,"type":116,"marks":656},"Wird das Tool noch genutzt?",[657],{"type":162,"attrs":658},{"color":164},{"type":224,"content":660},[661],{"type":110,"attrs":662,"content":663},{"textAlign":25,"key":213},[664],{"text":665,"type":116,"marks":666},"Deckt ein bestehendes Tool dieselbe Funktion ab?",[667],{"type":162,"attrs":668},{"color":164},{"type":224,"content":670},[671],{"type":110,"attrs":672,"content":673},{"textAlign":25,"key":228},[674],{"text":675,"type":116,"marks":676},"Entspricht die Lizenzanzahl dem tatsächlichen Bedarf?",[677],{"type":162,"attrs":678},{"color":164},{"type":110,"attrs":680,"content":681},{"textAlign":25,"key":239},[682],{"text":683,"type":116,"marks":684},"Das Ergebnis kann eine Kündigung, ein Downgrade, eine Zusammenlegung oder eine bewusste Verlängerung sein. Entscheidend ist, dass die Entscheidung dokumentiert wird.",[685],{"type":162,"attrs":686},{"color":164},{"type":184,"attrs":688,"content":689},{"level":186,"textAlign":25},[690],{"text":691,"type":116,"marks":692},"Verlängerungen aktiv steuern",[693],{"type":162,"attrs":694},{"color":164},{"type":110,"attrs":696,"content":697},{"textAlign":25,"key":250},[698],{"text":699,"type":116,"marks":700},"Eine Abo-Leiche entsteht oft nicht durch eine falsche Kaufentscheidung, sondern durch eine verpasste Kündigungsfrist. Deshalb sollten Verlängerungsdatum und Kündigungsfrist Pflichtfelder im SaaS-Inventar sein.",[701],{"type":162,"attrs":702},{"color":164},{"type":110,"attrs":704,"content":705},{"textAlign":25,"key":261},[706],{"text":707,"type":116,"marks":708},"Eine interne Erinnerung dreißig Tage vor dem Verlängerungstermin kann als praktikabler Kontrollpunkt dienen. Der Verantwortliche prüft dann Nutzung, Lizenzanzahl, Preisentwicklung und Alternativen. Falls keine Reaktion erfolgt, sollte die Anfrage an die Führungskraft oder an das Finanzteam weitergeleitet werden.",[709],{"type":162,"attrs":710},{"color":164},{"type":110,"attrs":712,"content":713},{"textAlign":25,"key":272},[714],{"text":715,"type":116,"marks":716},"Die Erinnerung ersetzt jedoch keine Vertragsprüfung. Bei B2B-SaaS-Verträgen sind die vereinbarten Laufzeiten, Kündigungsfristen und Verlängerungsbedingungen maßgeblich. Ein Unternehmen sollte daher nicht nur den Zahlungstermin, sondern auch die vertraglichen Fristen dokumentieren.",[717],{"type":162,"attrs":718},{"color":164},{"type":720,"attrs":721},"blok",{"id":722,"body":723},"c6bdd48d-ddf0-4e46-93f3-acad3606716f",[724],{"_uid":725,"asset":726,"caption":732,"component":733},"i-dd94e6dd-80f3-416b-9065-cdb905746a93",{"id":727,"alt":728,"name":68,"focus":68,"title":729,"source":68,"filename":730,"copyright":82,"fieldtype":95,"meta_data":731,"is_external_url":28},206469306691416,"Finanzmitarbeiterin blickt konzentriert auf den Laptopbildschirm und prüft eine Übersicht zu Softwareausgaben und wiederkehrenden Abos. Auf dem Schreibtisch liegen Rechnungen, ein Notizbuch und eine Firmenkarte.","Finanzmitarbeiterin prüft SaaS-Ausgaben am Laptop","https://a.storyblok.com/f/146026/2528x1696/0584f36ec8/inline-foto-saas-ausgaben-blickschirm.jpg",{"alt":728,"title":729,"source":68,"copyright":82},"Eine zentrale Übersicht über Software-Abos hilft Finanzteams, laufende SaaS-Kosten zu kontrollieren, ungenutzte Lizenzen zu erkennen und Verlängerungen rechtzeitig zu prüfen.","image",{"type":184,"attrs":735,"content":736},{"level":186,"textAlign":25},[737],{"text":738,"type":116,"marks":739},"Zahlungswege passend zum Zweck wählen",[740],{"type":162,"attrs":741},{"color":164},{"type":110,"attrs":743,"content":744},{"textAlign":25,"key":281},[745,750,757,765,770,777,785],{"text":746,"type":116,"marks":747},"Der Zahlungsweg kann helfen, unnötige Verlängerungen zu vermeiden. Für einen einmaligen Kauf, etwa ein kurzfristiges Kampagnen-Tool, eignet sich eine",[748],{"type":162,"attrs":749},{"color":164},{"text":298,"type":116,"marks":751},[752,755],{"type":301,"attrs":753},{"href":754,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://helpcenter.spendesk.com/de/articles/4035447-tipps-und-bewahrte-praktiken-fur-virtuelle-einmalige-karten",{"type":162,"attrs":756},{"color":164},{"text":758,"type":116,"marks":759},"virtuelle Einzelkarte",[760,762,764],{"type":301,"attrs":761},{"href":754,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":763},{"color":313},{"type":315},{"text":766,"type":116,"marks":767},". Für ein laufendes Abonnement ist dagegen eine",[768],{"type":162,"attrs":769},{"color":164},{"text":298,"type":116,"marks":771},[772,775],{"type":301,"attrs":773},{"href":774,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://helpcenter.spendesk.com/de/articles/4200510-alles-uber-unsere-abokarten",{"type":162,"attrs":776},{"color":164},{"text":778,"type":116,"marks":779},"Karte für wiederkehrende Zahlungen",[780,782,784],{"type":301,"attrs":781},{"href":774,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":783},{"color":313},{"type":315},{"text":786,"type":116,"marks":787}," sinnvoller.",[788],{"type":162,"attrs":789},{"color":164},{"type":110,"attrs":791,"content":792},{"textAlign":25,"key":290},[793],{"text":794,"type":116,"marks":795},"Wichtig ist die Unterscheidung:",[796],{"type":162,"attrs":797},{"color":164},{"type":221,"content":799},[800,810,820,830],{"type":224,"content":801},[802],{"type":110,"attrs":803,"content":804},{"textAlign":25,"key":331},[805],{"text":806,"type":116,"marks":807},"Eine Einzelkarte ist für einen konkreten, einmaligen Kauf gedacht.",[808],{"type":162,"attrs":809},{"color":164},{"type":224,"content":811},[812],{"type":110,"attrs":813,"content":814},{"textAlign":25,"key":344},[815],{"text":816,"type":116,"marks":817},"Eine Abokarte eignet sich für wiederkehrende Zahlungen an einen Anbieter.",[818],{"type":162,"attrs":819},{"color":164},{"type":224,"content":821},[822],{"type":110,"attrs":823,"content":824},{"textAlign":25,"key":355},[825],{"text":826,"type":116,"marks":827},"Eine Karte sollte möglichst eindeutig einem Abo oder Anbieter zugeordnet sein.",[828],{"type":162,"attrs":829},{"color":164},{"type":224,"content":831},[832],{"type":110,"attrs":833,"content":834},{"textAlign":25,"key":366},[835],{"text":836,"type":116,"marks":837},"Ein Budget und ein klarer Verwendungszweck erleichtern die spätere Kontrolle.",[838],{"type":162,"attrs":839},{"color":164},{"type":110,"attrs":841,"content":842},{"textAlign":25,"key":377},[843,848,855,863],{"text":844,"type":116,"marks":845},"Spendesk bietet für die Verwaltung von Abos ein zentrales Dashboard mit Angaben zu Karteninhabern, Kosten, Anbietern und Verlängerungsdaten. Abo-Karten können pausiert, reaktiviert oder gelöscht werden. Mehr Informationen finden Sie auf der Seite zur",[846],{"type":162,"attrs":847},{"color":164},{"text":298,"type":116,"marks":849},[850,853],{"type":301,"attrs":851},{"href":852,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://www.spendesk.com/de/platform/subscription-management/",{"type":162,"attrs":854},{"color":164},{"text":856,"type":116,"marks":857},"Verwaltung von Abonnements",[858,860,862],{"type":301,"attrs":859},{"href":852,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":861},{"color":313},{"type":315},{"text":317,"type":116,"marks":864},[865],{"type":162,"attrs":866},{"color":164},{"type":110,"attrs":868,"content":869},{"textAlign":25,"key":388},[870],{"text":871,"type":116,"marks":872},"Das Pausieren oder Löschen einer Karte stoppt künftige Kartenzahlungen. Es ersetzt jedoch nicht automatisch die Kündigung des Vertrags beim Anbieter. Diese muss weiterhin entsprechend den vertraglichen Bedingungen erfolgen.",[873],{"type":162,"attrs":874},{"color":164},{"type":184,"attrs":876,"content":877},{"level":186,"textAlign":25},[878],{"text":879,"type":116,"marks":880},"Beschaffung standardisieren, ohne sie zu verlangsamen",[881],{"type":162,"attrs":882},{"color":164},{"type":110,"attrs":884,"content":885},{"textAlign":25,"key":399},[886],{"text":887,"type":116,"marks":888},"Ein Freigabeprozess sollte die Beschaffung kontrollieren, aber nicht unnötig erschweren. Wenn eine Softwareanfrage mehrere Wochen dauert, weichen Teams häufig auf eigene Zahlungswege aus.",[889],{"type":162,"attrs":890},{"color":164},{"type":110,"attrs":892,"content":893},{"textAlign":25,"key":410},[894],{"text":895,"type":116,"marks":896},"Ein schlanker Ablauf besteht aus vier Schritten:",[897],{"type":162,"attrs":898},{"color":164},{"type":644,"attrs":900,"content":902},{"order":646,"key":901},"ol-1",[903,913,923,933],{"type":224,"content":904},[905],{"type":110,"attrs":906,"content":907},{"textAlign":25,"key":421},[908],{"text":909,"type":116,"marks":910},"Die Fachabteilung beschreibt den Bedarf und benennt eine verantwortliche Person.",[911],{"type":162,"attrs":912},{"color":164},{"type":224,"content":914},[915],{"type":110,"attrs":916,"content":917},{"textAlign":25,"key":432},[918],{"text":919,"type":116,"marks":920},"IT prüft Sicherheitsanforderungen und Datenschutz.",[921],{"type":162,"attrs":922},{"color":164},{"type":224,"content":924},[925],{"type":110,"attrs":926,"content":927},{"textAlign":25,"key":443},[928],{"text":929,"type":116,"marks":930},"Das Finanzteam prüft Budget, Kostenstelle und mögliche Überschneidungen.",[931],{"type":162,"attrs":932},{"color":164},{"type":224,"content":934},[935],{"type":110,"attrs":936,"content":937},{"textAlign":25,"key":452},[938],{"text":939,"type":116,"marks":940},"Nach der Freigabe wird das Abo über den vorgesehenen Zahlungsweg eingerichtet.",[941],{"type":162,"attrs":942},{"color":164},{"type":110,"attrs":944,"content":945},{"textAlign":25,"key":461},[946],{"text":947,"type":116,"marks":948},"So bleibt die Fachabteilung handlungsfähig, während das Finanzteam und IT die relevanten Risiken prüfen. Ein neues Vertriebstool kann beispielsweise abgelehnt werden, wenn das bestehende CRM dieselbe Funktion bereits abdeckt. Die Entscheidung basiert dann auf gemeinsamen Daten und nicht auf einem nachträglichen Veto.",[949],{"type":162,"attrs":950},{"color":164},{"type":110,"attrs":952,"content":953},{"textAlign":25,"key":474},[954,959,966,974],{"text":955,"type":116,"marks":956},"Spendesk unterstützt solche Prozesse mit",[957],{"type":162,"attrs":958},{"color":164},{"text":298,"type":116,"marks":960},[961,964],{"type":301,"attrs":962},{"href":963,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://helpcenter.spendesk.com/de/articles/4062441-genehmigungsrichtlinien-fur-einzelpersonen-oder-gruppen-von-mitarbeitenden",{"type":162,"attrs":965},{"color":164},{"text":967,"type":116,"marks":968},"Genehmigungsrichtlinien",[969,971,973],{"type":301,"attrs":970},{"href":963,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":972},{"color":313},{"type":315},{"text":975,"type":116,"marks":976},", virtuellen Karten und Funktionen für wiederkehrende Zahlungen. Die Plattform verbindet außerdem Beschaffung, Zahlungen, Ausgabenmanagement und Buchhaltungsintegrationen. ",[977],{"type":162,"attrs":978},{"color":164},{"type":110,"attrs":980,"content":981},{"textAlign":25,"key":485},[982],{"text":983,"type":116,"marks":984},"Spendesk unterstützt solche Prozesse mit Genehmigungsrichtlinien, virtuellen Karten und Funktionen für wiederkehrende Zahlungen. Die Plattform verbindet die Verwaltung von SaaS-Abos mit Beschaffung, Zahlungen, Ausgabenmanagement und Buchhaltungsintegrationen. Damit lassen sich Softwareausgaben vom Antrag bis zur Verlängerung zentral steuern. ",[985],{"type":162,"attrs":986},{"color":164},{"type":184,"attrs":988,"content":989},{"level":186,"textAlign":25},[990],{"text":991,"type":116,"marks":992},"SaaS-Ausgaben in Budget und Buchhaltung berücksichtigen",[993],{"type":162,"attrs":994},{"color":164},{"type":110,"attrs":996,"content":997},{"textAlign":25,"key":496},[998],{"text":999,"type":116,"marks":1000},"SaaS-Ausgaben sollten als eigene, planbare Kostenkategorie betrachtet werden. 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Die",[1071],{"type":162,"attrs":1072},{"color":164},{"text":298,"type":116,"marks":1074},[1075,1078],{"type":301,"attrs":1076},{"href":1077,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://www.bundesfinanzministerium.de/Content/DE/Downloads/BMF_Schreiben/Weitere_Steuerthemen/Abgabenordnung/2025-07-14-GoBD-2-aenderung.pdf?__blob=publicationFile&v=3",{"type":162,"attrs":1079},{"color":164},{"text":1081,"type":116,"marks":1082},"GoBD",[1083,1085,1087],{"type":301,"attrs":1084},{"href":1077,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":1086},{"color":313},{"type":315},{"text":1089,"type":116,"marks":1090}," betreffen die Ordnungsmäßigkeit, Nachvollziehbarkeit und Prüfbarkeit elektronischer Buchführungsprozesse. Sie legen jedoch nicht selbst die gesetzlichen Aufbewahrungsfristen fest.",[1091],{"type":162,"attrs":1092},{"color":164},{"type":110,"attrs":1094,"content":1095},{"textAlign":25,"key":582},[1096,1101,1108,1116],{"text":1097,"type":116,"marks":1098},"Für Buchungsbelege und Rechnungen gilt für viele Unternehmen grundsätzlich eine Aufbewahrungsfrist von acht Jahren. Andere Unterlagen können weiterhin zehn oder sechs Jahre aufzubewahren sein. Die Frist bezieht sich daher nicht pauschal auf sämtliche Buchhaltungsunterlagen. Die aktuellen Vorgaben finden Sie in",[1099],{"type":162,"attrs":1100},{"color":164},{"text":298,"type":116,"marks":1102},[1103,1106],{"type":301,"attrs":1104},{"href":1105,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://www.gesetze-im-internet.de/ao_1977/__147.html",{"type":162,"attrs":1107},{"color":164},{"text":1109,"type":116,"marks":1110},"§ 147 der Abgabenordnung",[1111,1113,1115],{"type":301,"attrs":1112},{"href":1105,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":1114},{"color":313},{"type":315},{"text":317,"type":116,"marks":1117},[1118],{"type":162,"attrs":1119},{"color":164},{"type":110,"attrs":1121,"content":1123},{"textAlign":25,"key":1122},"p-37",[1124,1129,1136,1144],{"text":1125,"type":116,"marks":1126},"Auch die Umsatzsteuer sollte nicht pauschal mit 19 Prozent angesetzt werden, das ist der deutsche Regelsteuersatz für steuerpflichtige Umsätze. 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Der Bruttobetrag ist aber als Betriebsausgabe abzugsfähig.",[4003],{"type":162,"attrs":4004},{"color":164},{"_uid":4006,"hide":28,"title":4007,"component":1338,"description":4008},"4be09e95-47d4-4d3a-bbb6-c7d35cb3347c","Wie lange muss ich Eigenbelege seit 2025 aufbewahren?",{"type":107,"content":4009},[4010],{"type":110,"attrs":4011,"content":4012},{"textAlign":25},[4013,4018,4025,4033],{"text":4014,"type":116,"marks":4015},"Seit dem 1. Januar 2025 gilt eine Frist von 8 Jahren (BEG IV). Ein 2025 erstellter Eigenbeleg muss bis Ende 2033 archiviert sein. 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Der Prüfer importiert diese in Analysesoftware wie IDEA und führt automatisierte Prüfroutinen durch.",[4669],{"type":162,"attrs":4670},{"color":4554},{"_uid":4672,"hide":28,"title":4673,"component":1338,"description":4674},"cb6c8f5c-f6a6-4d25-ad3a-dc78490a300e","Wie produziere ich einen GoBD-konformen Datenexport aus DATEV?",{"type":107,"content":4675},[4676],{"type":110,"attrs":4677,"content":4678},{"textAlign":25},[4679,4684,4693,4698,4704],{"text":4680,"type":116,"marks":4681},"Über ",[4682],{"type":162,"attrs":4683},{"color":4554},{"text":4685,"type":116,"marks":4686},"apps.datev.de/mdata",[4687,4690,4692],{"type":301,"attrs":4688},{"href":4689,"uuid":25,"anchor":25,"target":25,"linktype":98},"http://apps.datev.de/mdata",{"type":162,"attrs":4691},{"color":313},{"type":315},{"text":4694,"type":116,"marks":4695}," den Prüfungszeitraum wählen, ",[4696],{"type":162,"attrs":4697},{"color":4554},{"text":4699,"type":116,"marks":4700},"„Belege im Export einschließen\"",[4701,4703],{"type":162,"attrs":4702},{"color":4554},{"type":4189},{"text":4705,"type":116,"marks":4706}," aktivieren und ein Verschlüsselungspasswort setzen. Der Export steht nach rund 24 Stunden zum Download bereit.",[4707],{"type":162,"attrs":4708},{"color":4554},{"_uid":4710,"hide":28,"title":4711,"component":1338,"description":4712},"07a65c5d-108d-42d5-b7da-30c344ede88e","Was unterscheidet GoBD von GDPdU?",{"type":107,"content":4713},[4714],{"type":110,"attrs":4715,"content":4716},{"textAlign":25},[4717],{"text":4718,"type":116,"marks":4719},"Die GDPdU galten von 2002 bis 2014 und regelten den Datenzugriff der Finanzverwaltung. Seit 2015 sind sie durch die GoBD vollständig ersetzt – diese decken zusätzlich die ordnungsmäßige Führung und Aufbewahrung elektronischer Bücher und Belege ab. Der Begriff „GDPdU-Format\" ist im Sprachgebrauch noch verbreitet, technisch korrekt ist heute „GoBD-Beschreibungsstandard\".",[4720],{"type":162,"attrs":4721},{"color":4554},{"_uid":4723,"hide":28,"title":4724,"component":1338,"description":4725},"74fa518f-d035-4986-af02-8de0fb807026","Welche Aufbewahrungsfristen gelten aktuell?",{"type":107,"content":4726},[4727],{"type":110,"attrs":4728,"content":4729},{"textAlign":25},[4730,4735,4742,4750,4755,4762,4769],{"text":4731,"type":116,"marks":4732},"Buchungsbelege müssen nach dem Vierten Bürokratieentlastungsgesetz (2025) acht Jahre aufbewahrt werden (zuvor zehn Jahre). Für Geschäftsbriefe gelten weiterhin sechs Jahre. Eine vollständige Übersicht finden Sie in den Artikeln zu den",[4733],{"type":162,"attrs":4734},{"color":4554},{"text":298,"type":116,"marks":4736},[4737,4740],{"type":301,"attrs":4738},{"href":4739,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://www.spendesk.com/de/blog/aufbewahrungsfristen-unternehmen/",{"type":162,"attrs":4741},{"color":4554},{"text":4743,"type":116,"marks":4744},"Aufbewahrungsfristen im Unternehmen",[4745,4747],{"type":301,"attrs":4746},{"href":4739,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":4748},{"color":4749},"#1C91FF",{"text":4751,"type":116,"marks":4752}," und zur",[4753],{"type":162,"attrs":4754},{"color":4554},{"text":298,"type":116,"marks":4756},[4757,4760],{"type":301,"attrs":4758},{"href":4759,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://www.spendesk.com/de/blog/aufbewahrungspflicht-rechnungen/",{"type":162,"attrs":4761},{"color":4554},{"text":4763,"type":116,"marks":4764},"Aufbewahrungspflicht für Rechnungen",[4765,4767],{"type":301,"attrs":4766},{"href":4759,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":4768},{"color":4749},{"text":317,"type":116,"marks":4770},[4771],{"type":162,"attrs":4772},{"color":4554},{"_uid":4774,"hide":28,"title":4775,"component":1338,"description":4776},"4147a67c-58bc-46e8-b7ae-86e66c8a7857","Welche drei Lücken findet der Prüfer im Mittelstand am häufigsten?",{"type":107,"content":4777},[4778],{"type":110,"attrs":4779,"content":4780},{"textAlign":25},[4781],{"text":4782,"type":116,"marks":4783},"Unvollständige Belegketten (Buchungen ohne verknüpfte Belege), nicht maschinell auswertbare Daten (Fotos, Screenshots statt strukturierter Dateien) und eine fehlende oder veraltete Verfahrensdokumentation.",[4784],{"type":162,"attrs":4785},{"color":4554},[4787],{"cta":4788,"_uid":4789,"title":4790,"eyebrow":4797,"subtitle":4800,"component":184,"textAlign":68,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":4803,"sectionSettings":4804,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":68},[],"891cb4e4-3286-46c2-bc23-1ab969fe8455",{"type":107,"content":4791},[4792],{"type":184,"attrs":4793,"content":4794},{"level":186,"textAlign":25},[4795],{"text":4796,"type":116},"Häufige Fragen zur Betriebsprüfung",{"type":107,"content":4798},[4799],{"type":110},{"type":107,"content":4801},[4802],{"type":110},[],[],[],"betriebspruefung-2026-datev","de/blog/betriebspruefung-2026-datev",-2040,[],"5a526639-e093-46cf-a271-2a1cac241bee","2026-06-27T14:16:46.835Z",[],"blog/betriebspruefung-2026-datev",[4815,4816,4817],{"path":4813,"name":25,"lang":37,"published":25},{"path":4813,"name":25,"lang":32,"published":25},{"path":4813,"name":25,"lang":40,"published":25},{"name":4819,"created_at":4820,"published_at":4821,"updated_at":4822,"id":4823,"uuid":4824,"content":4825,"slug":4961,"full_slug":4962,"sort_by_date":25,"position":4963,"tag_list":4964,"is_startpage":28,"parent_id":1418,"meta_data":25,"group_id":4965,"first_published_at":4966,"release_id":25,"lang":32,"path":25,"alternates":4967,"default_full_slug":4968,"translated_slugs":4969},"Mehrwertsteuer Restaurant 2026: Speisen korrekt buchen ","2026-06-25T11:30:29.532Z","2026-06-25T14:07:28.444Z","2026-06-25T14:07:28.466Z",191272671410281,"fb32f08f-d8be-4746-bc61-30b5c6a2a2e0",{"_uid":4826,"title":4827,"topics":4828,"noIndex":28,"category":4837,"language":4846,"component":1303,"heroMedia":4847,"publishedAt":4848,"redirectUrl":68,"listingImage":4849,"metaDescription":4856,"bottomArticleCta":4857,"componentsAfterTheArticle":4858},"c3360256-bc46-4040-895f-e5d44366eb25","Mehrwertsteuer im Restaurant 2026: Speisen korrekt buchen ",[4829],{"name":3933,"created_at":3934,"published_at":16,"updated_at":3935,"id":3936,"uuid":3937,"content":4830,"slug":3940,"full_slug":3941,"sort_by_date":25,"position":3942,"tag_list":4831,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3944,"first_published_at":3945,"release_id":25,"lang":32,"path":25,"alternates":4832,"default_full_slug":3947,"translated_slugs":4833,"_stopResolving":41},{"_uid":3939,"name":3933,"component":22},[],[],[4834,4835,4836],{"path":3947,"name":25,"lang":37,"published":25},{"path":3947,"name":25,"lang":32,"published":25},{"path":3947,"name":25,"lang":40,"published":25},{"name":1291,"created_at":1292,"published_at":16,"updated_at":1293,"id":1294,"uuid":1295,"content":4838,"slug":1303,"full_slug":1304,"sort_by_date":25,"position":26,"tag_list":4840,"is_startpage":28,"parent_id":1306,"meta_data":25,"group_id":1307,"first_published_at":1308,"release_id":25,"lang":32,"path":25,"alternates":4841,"default_full_slug":1310,"translated_slugs":4842,"_stopResolving":41},{"_uid":1297,"icon":4839,"name":1291,"component":1302},{"id":1299,"alt":1300,"name":68,"focus":68,"title":68,"filename":1301,"copyright":68,"fieldtype":95,"is_external_url":28},[],[],[4843,4844,4845],{"path":1310,"name":25,"lang":37,"published":25},{"path":1310,"name":25,"lang":32,"published":25},{"path":1310,"name":25,"lang":40,"published":25},[32],[],"2026-06-25 00:00",[4850],{"_uid":4851,"asset":4852,"caption":68,"component":733},"0aeb2c80-fe56-4b22-856d-d30357f84ffd",{"id":4853,"alt":68,"name":68,"focus":68,"title":68,"source":68,"filename":4854,"copyright":68,"fieldtype":95,"meta_data":4855,"is_external_url":28},174400058601475,"https://a.storyblok.com/f/146026/1376x768/5856800d6b/what-is-invoice-discounting.png",{},"Seit 2026 gelten sieben Prozent auf Speisen, 19 Prozent auf Getränke. So buchen Sie Bewirtungsbelege korrekt in SKR03 und vermeiden Vorsteuerfehler.",[],[4859],{"cta":4860,"_uid":4861,"items":4862,"heading":4941,"reverse":28,"component":1412,"sectionSettings":4960},[],"f47d1b42-bcb2-495a-8967-5fa97c8af620",[4863,4876,4889,4902,4915,4928],{"_uid":4864,"hide":28,"title":4865,"component":1338,"description":4866},"375c7d27-fdec-4399-b32d-8dedca030b48","Gilt sieben Prozent MwSt 2026 auf alle Speisen im Restaurant?",{"type":107,"content":4867},[4868],{"type":110,"attrs":4869,"content":4870},{"textAlign":25},[4871],{"text":4872,"type":116,"marks":4873},"Ja. Seit dem 1. Januar 2026 gelten dauerhaft sieben Prozent auf alle Speisen, unabhängig davon, ob sie vor Ort verzehrt, mitgenommen oder geliefert werden. Getränke bleiben bei 19 Prozent – mit Ausnahme von Milchmischgetränken mit mindestens 75 Prozent Milchanteil und Leitungswasser.",[4874],{"type":162,"attrs":4875},{"color":4554},{"_uid":4877,"hide":28,"title":4878,"component":1338,"description":4879},"be13124a-d45d-4da3-bc47-a2772ea4b6ee","Welche Bewirtungskosten sind abzugsfähig und welche nicht?",{"type":107,"content":4880},[4881],{"type":110,"attrs":4882,"content":4883},{"textAlign":25},[4884],{"text":4885,"type":116,"marks":4886},"70 Prozent der angemessenen Netto-Bewirtungskosten sind nach Paragraph 4 Abs. 5 Nr. 2 EStG als Betriebsausgaben abzugsfähig. Die restlichen 30 Prozent sind nicht abzugsfähig. Der Vorsteuerabzug bleibt davon unberührt und ist zu 100 Prozent möglich.",[4887],{"type":162,"attrs":4888},{"color":4554},{"_uid":4890,"hide":28,"title":4891,"component":1338,"description":4892},"11c5e914-ab92-4ecb-8928-359054f62152","Wie buche ich Bewirtungskosten mit zwei MwSt-Sätzen korrekt?",{"type":107,"content":4893},[4894],{"type":110,"attrs":4895,"content":4896},{"textAlign":25},[4897],{"text":4898,"type":116,"marks":4899},"Teilen Sie die Nettosumme in Speisen (Vorsteuer sieben Prozent, Konto 1571 in SKR03) und Getränke (Vorsteuer 19 Prozent, Konto 1576). Dann buchen Sie 70 Prozent der Nettosumme auf Konto 4650 und 30 Prozent auf Konto 4654.",[4900],{"type":162,"attrs":4901},{"color":4554},{"_uid":4903,"hide":28,"title":4904,"component":1338,"description":4905},"9373c41c-28f4-46d8-83e2-d9f210efe775","Wie teile ich die Mehrwertsteuer auf einer Restaurantquittung auf?",{"type":107,"content":4906},[4907],{"type":110,"attrs":4908,"content":4909},{"textAlign":25},[4910],{"text":4911,"type":116,"marks":4912},"Multiplizieren Sie den Speisen-Nettobetrag mit sieben Prozent und den Getränke-Nettobetrag mit 19 Prozent. Die Summe ist Ihre abzugsfähige Vorsteuer – zu 100 Prozent, unabhängig von der ertragsteuerlichen 70/30-Regel.",[4913],{"type":162,"attrs":4914},{"color":4554},{"_uid":4916,"hide":28,"title":4917,"component":1338,"description":4918},"3fffe330-16a4-4ae9-8b2c-d8e067df93f3","Ist Trinkgeld bei Bewirtungskosten abzugsfähig?",{"type":107,"content":4919},[4920],{"type":110,"attrs":4921,"content":4922},{"textAlign":25},[4923],{"text":4924,"type":116,"marks":4925},"Ja, wenn der Kellner es handschriftlich auf dem Beleg quittiert hat. Trinkgeld enthält keine MwSt und wird mit derselben 70/30-Aufteilung gebucht wie die Bewirtung.",[4926],{"type":162,"attrs":4927},{"color":4554},{"_uid":4929,"hide":28,"title":4930,"component":1338,"description":4931},"c82e9878-a7a6-41f9-bfb7-0fd3850a188b","Was passiert bei einer Betriebsprüfung, wenn die MwSt falsch codiert wurde?",{"type":107,"content":4932},[4933],{"type":110,"attrs":4934,"content":4935},{"textAlign":25},[4936],{"text":4937,"type":116,"marks":4938},"Das Finanzamt kann nach § 164 AO bis zu vier Jahre rückwirkend korrigieren. Es drohen Nachzahlungen plus 1,8 Prozent Zinsen pro Jahr nach § 233a AO.",[4939],{"type":162,"attrs":4940},{"color":4554},[4942],{"cta":4943,"_uid":4944,"title":4945,"eyebrow":4952,"subtitle":4955,"component":184,"textAlign":68,"eyebrowPill":28,"flexibleSection":4958,"sectionSettings":4959,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":68},[],"2567fefe-384c-4422-a234-a312e6389d4f",{"type":107,"content":4946},[4947],{"type":184,"attrs":4948,"content":4949},{"level":186,"textAlign":25},[4950],{"text":4951,"type":116},"Häufige Fragen zu Mehrwertsteuer in Restaurants",{"type":107,"content":4953},[4954],{"type":110},{"type":107,"content":4956},[4957],{"type":110},[],[],[],"mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen","de/blog/mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen",-2010,[],"7bba5ff9-dbf2-4b57-ae08-e17f347da34d","2026-06-25T13:23:54.460Z",[],"blog/mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen",[4970,4971,4972],{"path":4968,"name":25,"lang":37,"published":25},{"path":4968,"name":25,"lang":32,"published":25},{"path":4968,"name":25,"lang":40,"published":25},{"name":4974,"created_at":4975,"published_at":4976,"updated_at":4977,"id":4978,"uuid":4979,"content":4980,"slug":5122,"full_slug":5123,"sort_by_date":25,"position":5124,"tag_list":5125,"is_startpage":28,"parent_id":1418,"meta_data":25,"group_id":5126,"first_published_at":5127,"release_id":25,"lang":32,"path":25,"alternates":5128,"default_full_slug":5129,"translated_slugs":5130},"EU AI Act ab August 2026: Sie betreiben KI im Finanzteam ohne es zu wissen ","2026-06-19T11:04:34.712Z","2026-07-08T18:42:55.725Z","2026-07-08T18:42:55.749Z",189142936457471,"3cb0e342-4f23-468e-bd07-ee19c66c3753",{"_uid":4981,"title":4974,"topics":4982,"noIndex":28,"category":4993,"language":5002,"component":1303,"heroMedia":5003,"publishedAt":5004,"redirectUrl":68,"listingImage":5005,"metaDescription":5015,"bottomArticleCta":5016,"componentsAfterTheArticle":5017},"4600eac2-baec-4ab0-8ea0-2d229ed4e2cc",[4983],{"name":3071,"created_at":3072,"published_at":16,"updated_at":3073,"id":3074,"uuid":3075,"content":4984,"slug":3080,"full_slug":3081,"sort_by_date":25,"position":3082,"tag_list":4987,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3084,"first_published_at":3085,"release_id":25,"lang":32,"path":25,"alternates":4988,"default_full_slug":3087,"translated_slugs":4989,"_stopResolving":41},{"_uid":3077,"icon":4985,"name":3071,"component":22},{"id":25,"alt":25,"name":68,"focus":25,"title":25,"source":25,"filename":68,"copyright":25,"fieldtype":95,"meta_data":4986},{},[],[],[4990,4991,4992],{"path":3087,"name":25,"lang":37,"published":25},{"path":3087,"name":25,"lang":32,"published":25},{"path":3087,"name":25,"lang":40,"published":25},{"name":1291,"created_at":1292,"published_at":16,"updated_at":1293,"id":1294,"uuid":1295,"content":4994,"slug":1303,"full_slug":1304,"sort_by_date":25,"position":26,"tag_list":4996,"is_startpage":28,"parent_id":1306,"meta_data":25,"group_id":1307,"first_published_at":1308,"release_id":25,"lang":32,"path":25,"alternates":4997,"default_full_slug":1310,"translated_slugs":4998,"_stopResolving":41},{"_uid":1297,"icon":4995,"name":1291,"component":1302},{"id":1299,"alt":1300,"name":68,"focus":68,"title":68,"filename":1301,"copyright":68,"fieldtype":95,"is_external_url":28},[],[],[4999,5000,5001],{"path":1310,"name":25,"lang":37,"published":25},{"path":1310,"name":25,"lang":32,"published":25},{"path":1310,"name":25,"lang":40,"published":25},[32],[],"2026-06-19 00:00",[5006],{"_uid":5007,"asset":5008,"caption":5014,"component":733},"b4c90cb2-0afd-4ab6-8699-7b7377e55878",{"id":5009,"alt":5010,"name":68,"focus":68,"title":5011,"source":68,"filename":5012,"copyright":82,"fieldtype":95,"meta_data":5013,"is_external_url":28},143492014200848,"Grafische Darstellung in Violett auf hellem Hintergrund. Zu sehen sind zwei Tastaturtasten mit den weißen Buchstaben A und I. Die Tasten sind als Linienmuster stilisiert und gehen am rechten Bildrand in wellenförmige Linien über.","Tastatur mit den Buchstaben A und I als Symbol für künstliche Intelligenz","https://a.storyblok.com/f/146026/1020x680/8ff9cee056/ai-roi-finance.png",{"alt":5010,"title":5011,"source":68,"copyright":82},"OCR, Kategorisierung, Anomalie-Erkennung – wo KI im Finanzteam beginnt, beginnen auch die Pflichten des EU AI Act.","Ab August 2026 treffen Sie als Nutzer KI-gestützter Finanzsoftware konkrete Pflichten. Was wirklich gilt was nicht und welche fünf Schritte ausreichen.",[],[5018],{"cta":5019,"_uid":5020,"items":5021,"heading":5098,"reverse":28,"component":1412,"sectionSettings":5121},[],"f9815c55-7f50-4a8f-901b-341773cc1203",[5022,5046,5059,5072,5085],{"_uid":5023,"hide":28,"title":5024,"component":1338,"description":5025},"11c678a7-7408-4da9-a844-bba643e44f74","Fällt unsere KI-gestützte OCR unter den EU AI Act?",{"type":107,"content":5026},[5027],{"type":110,"attrs":5028,"content":5029},{"textAlign":25},[5030,5035,5041],{"text":5031,"type":116,"marks":5032},"Ja, sie fällt unter den Anwendungsbereich des AI Act, aber ",[5033],{"type":162,"attrs":5034},{"color":4554},{"text":5036,"type":116,"marks":5037},"nicht",[5038,5040],{"type":162,"attrs":5039},{"color":4554},{"type":4189},{"text":5042,"type":116,"marks":5043}," in die Hochrisiko-Kategorie nach Anhang III. Es gelten primär die Pflichten aus Art. 4 (KI-Kompetenz) und gegebenenfalls Art. 50 (Transparenz für KI-Inhalte).",[5044],{"type":162,"attrs":5045},{"color":4554},{"_uid":5047,"hide":28,"title":5048,"component":1338,"description":5049},"c16bbfb0-3386-4fa9-addf-ce0a88ef9226","Was ist der Unterschied zwischen Anbieter und Betreiber?",{"type":107,"content":5050},[5051],{"type":110,"attrs":5052,"content":5053},{"textAlign":25},[5054],{"text":5055,"type":116,"marks":5056},"Der Anbieter (Provider) entwickelt und vertreibt das KI-System, der Betreiber (Deployer) setzt es im eigenen Verantwortungsbereich ein. Ein Finanzteam, das eine KI-gestützte Ausgabenmanagement-Software nutzt, ist Betreiber – nicht Anbieter. Die Pflichtenkataloge unterscheiden sich erheblich.",[5057],{"type":162,"attrs":5058},{"color":4554},{"_uid":5060,"hide":28,"title":5061,"component":1338,"description":5062},"8dda6fca-d653-44ef-acb1-347c79cdf26d","Wie hoch sind die Bußgelder konkret?",{"type":107,"content":5063},[5064],{"type":110,"attrs":5065,"content":5066},{"textAlign":25},[5067],{"text":5068,"type":116,"marks":5069},"Für Verstöße gegen verbotene Praktiken bis zu 35 Mio. Euro oder 7 Prozent des weltweiten Jahresumsatzes. Für sonstige Verstöße bis zu 15 Mio. Euro oder 3 Prozent, für unrichtige Informationen an Behörden bis zu 7,5 Mio. Euro oder 1 Pozent. Maßgeblich ist jeweils der höhere Wert. Diese Maxima betreffen die schwersten Fälle, nicht jede formale Lücke.",[5070],{"type":162,"attrs":5071},{"color":4554},{"_uid":5073,"hide":28,"title":5074,"component":1338,"description":5075},"1ec61c20-bf5a-4c08-911b-4d0aca88c6c4","Müssen wir Mitarbeitende formal schulen?",{"type":107,"content":5076},[5077],{"type":110,"attrs":5078,"content":5079},{"textAlign":25},[5080],{"text":5081,"type":116,"marks":5082},"Art. 4 verlangt „ausreichende KI-Kompetenz\", nicht eine bestimmte Schulungsstundenzahl. Eine dokumentierte Einweisung mit nachvollziehbarem Inhalt reicht in der Regel aus. Externe Zertifikate sind nicht vorgeschrieben.",[5083],{"type":162,"attrs":5084},{"color":4554},{"_uid":5086,"hide":28,"title":5087,"component":1338,"description":5088},"266967d9-3783-4be1-b91b-d64d993b55da","Gilt der AI Act auch für US-Anbieter unserer Software?",{"type":107,"content":5089},[5090],{"type":110,"attrs":5091,"content":5092},{"textAlign":25},[5093],{"text":5094,"type":116,"marks":5095},"Ja. Sobald das KI-System in der EU genutzt wird oder Ergebnisse erzeugt, die in der EU verwendet werden, greift der AI Act – unabhängig vom Sitz des Anbieters. Achten Sie bei Vertragsverhandlungen mit Nicht-EU-Anbietern auf eine ausdrückliche Compliance-Zusage.",[5096],{"type":162,"attrs":5097},{"color":4554},[5099],{"cta":5100,"_uid":5101,"title":5102,"eyebrow":5113,"subtitle":5116,"component":184,"textAlign":68,"eyebrowPill":28,"flexibleSection":5119,"sectionSettings":5120,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":68},[],"14d98cda-9986-43fc-9ffb-afc526aad4da",{"type":107,"content":5103},[5104],{"type":184,"attrs":5105,"content":5106},{"level":186,"textAlign":25},[5107],{"text":5108,"type":116,"marks":5109},"Häufig gestellte Fragen zum EU AI Act",[5110,5112],{"type":162,"attrs":5111},{"color":4554},{"type":2071},{"type":107,"content":5114},[5115],{"type":110},{"type":107,"content":5117},[5118],{"type":110},[],[],[],"eu-ai-act-august-2026-ki-finanzteam","de/blog/eu-ai-act-august-2026-ki-finanzteam",-1940,[],"b42612e0-71ca-45bb-866a-fc54d950c7cb","2026-06-19T11:23:32.309Z",[],"blog/eu-ai-act-august-2026-ki-finanzteam",[5131,5132,5133],{"path":5129,"name":25,"lang":37,"published":25},{"path":5129,"name":25,"lang":32,"published":25},{"path":5129,"name":25,"lang":40,"published":25},{"name":5135,"created_at":5136,"published_at":5137,"updated_at":5138,"id":5139,"uuid":5140,"content":5141,"slug":5312,"full_slug":5313,"sort_by_date":25,"position":5314,"tag_list":5315,"is_startpage":28,"parent_id":1418,"meta_data":25,"group_id":5316,"first_published_at":5317,"release_id":25,"lang":32,"path":25,"alternates":5318,"default_full_slug":5319,"translated_slugs":5320},"SEPA 2026: wenn ein einziger Datensatz den ganzen Zahlungslauf kippt ","2026-06-19T08:54:26.111Z","2026-07-08T18:43:19.743Z","2026-07-08T18:43:19.769Z",189110952425291,"33f28b6f-f6e0-440c-8755-a704bb2e936b",{"_uid":5142,"title":5135,"topics":5143,"noIndex":28,"category":5163,"language":5172,"component":1303,"heroMedia":5173,"publishedAt":5004,"redirectUrl":68,"listingImage":5174,"metaDescription":5183,"bottomArticleCta":5184,"componentsAfterTheArticle":5185},"ee62abc9-a973-4ff2-bbe6-f7676f71f5a8",[5144],{"name":1987,"created_at":5145,"published_at":16,"updated_at":5146,"id":5147,"uuid":5148,"content":5149,"slug":5151,"full_slug":5152,"sort_by_date":25,"position":5153,"tag_list":5154,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":5155,"first_published_at":5156,"release_id":25,"lang":32,"path":25,"alternates":5157,"default_full_slug":5158,"translated_slugs":5159,"_stopResolving":41},"2022-10-19T17:57:58.268Z","2026-03-12T10:47:23.823Z",206171436,"96e6beb6-72ee-4d7e-80e7-051cceef91a6",{"_uid":5150,"name":1987,"component":22},"c47edfa2-5a7f-4c2b-966b-bd29e0b334a3","sicherheit","de/blog/topic/sicherheit",-400,[],"4bc732e7-2646-431d-9d49-7d0ba9f90782","2022-11-02T15:24:44.095Z",[],"blog/topic/sicherheit",[5160,5161,5162],{"path":5158,"name":25,"lang":37,"published":25},{"path":5158,"name":25,"lang":32,"published":25},{"path":5158,"name":25,"lang":40,"published":25},{"name":1291,"created_at":1292,"published_at":16,"updated_at":1293,"id":1294,"uuid":1295,"content":5164,"slug":1303,"full_slug":1304,"sort_by_date":25,"position":26,"tag_list":5166,"is_startpage":28,"parent_id":1306,"meta_data":25,"group_id":1307,"first_published_at":1308,"release_id":25,"lang":32,"path":25,"alternates":5167,"default_full_slug":1310,"translated_slugs":5168,"_stopResolving":41},{"_uid":1297,"icon":5165,"name":1291,"component":1302},{"id":1299,"alt":1300,"name":68,"focus":68,"title":68,"filename":1301,"copyright":68,"fieldtype":95,"is_external_url":28},[],[],[5169,5170,5171],{"path":1310,"name":25,"lang":37,"published":25},{"path":1310,"name":25,"lang":32,"published":25},{"path":1310,"name":25,"lang":40,"published":25},[32],[],[5175],{"_uid":5176,"asset":5177,"caption":5182,"component":733},"0f8cd8a9-a19c-4983-b703-6251a33f0328",{"id":5178,"alt":5179,"name":68,"focus":68,"title":5179,"source":68,"filename":5180,"copyright":82,"fieldtype":95,"meta_data":5181,"is_external_url":28},123992245019406,"Aufgestapelte Münzen","https://a.storyblok.com/f/146026/1020x680/90cdc17e54/spendesk-international-payments.jpg",{"alt":5179,"title":5179,"source":68,"copyright":82},"Ab November 2026 entscheidet die Qualität Ihrer Lieferantenstammdaten darüber, ob Ihre SEPA-Zahlungen durchlaufen.","Ab November 2026 entscheiden Adressformat, pain-Version und Empfängername darüber, ob Ihre SEPA-Zahlungen durchlaufen. Der Sechs-Wochen-Plan.",[],[5186],{"cta":5187,"_uid":5188,"items":5189,"heading":5288,"reverse":28,"component":1412,"sectionSettings":5311},[],"6b4bc66b-a45b-4b12-b6b9-faf1d2f4a9d7",[5190,5213,5226,5239,5262,5275],{"_uid":5191,"hide":28,"title":5192,"component":1338,"description":5193},"4c562475-5ef1-4327-8475-5a5dff9c1411","Ab wann ist die ISO-20022-Umstellung für SEPA-Zahlungen verpflichtend?",{"type":107,"content":5194},[5195],{"type":110,"attrs":5196,"content":5197},{"textAlign":25},[5198,5203,5208],{"text":5199,"type":116,"marks":5200},"Ab dem 15.11.2026 müssen Überweisungen im Format ",[5201],{"type":162,"attrs":5202},{"color":4554},{"text":5204,"type":116,"marks":5205},"pain.001.001.09 und Lastschriften im Format pain.008.001.08",[5206],{"type":162,"attrs":5207},{"color":164},{"text":5209,"type":116,"marks":5210}," eingereicht werden. Unstrukturierte Adressen werden ab diesem Datum abgelehnt.",[5211],{"type":162,"attrs":5212},{"color":4554},{"_uid":5214,"hide":28,"title":5215,"component":1338,"description":5216},"32447d44-cf05-4acc-9cba-3ee6be7f946e","Was passiert, wenn ein einziger Datensatz im Lauf unstrukturierte Adressen enthält?",{"type":107,"content":5217},[5218],{"type":110,"attrs":5219,"content":5220},{"textAlign":25},[5221],{"text":5222,"type":116,"marks":5223},"Viele ERPs und Banken weisen in dieser Konstellation den gesamten Zahlungslauf zurück, nicht nur den fehlerhaften Posten. Eine Pre-Run-Validierung ist deshalb wichtiger als jede nachgelagerte Korrektur.",[5224],{"type":162,"attrs":5225},{"color":4554},{"_uid":5227,"hide":28,"title":5228,"component":1338,"description":5229},"cbaf0389-66e1-4336-b577-408956209105","Prüft Verification of Payee auch Sammelüberweisungen?",{"type":107,"content":5230},[5231],{"type":110,"attrs":5232,"content":5233},{"textAlign":25},[5234],{"text":5235,"type":116,"marks":5236},"Bei Einzelüberweisungen ist VoP verpflichtend. Bei Sammelüberweisungen optional, Banken können sie aber durchführen. Realistischer Planungsstandard: Jede Zahlung wird geprüft.",[5237],{"type":162,"attrs":5238},{"color":4554},{"_uid":5240,"hide":28,"title":5241,"component":1338,"description":5242},"4cccff21-ef42-40e9-b38f-c542938820c6","Welche Adressfelder müssen mindestens strukturiert vorliegen?",{"type":107,"content":5243},[5244],{"type":110,"attrs":5245,"content":5246},{"textAlign":25},[5247,5252,5257],{"text":5248,"type":116,"marks":5249},"Stadt (",[5250],{"type":162,"attrs":5251},{"color":4554},{"text":5253,"type":116,"marks":5254},"TwnNm) und Land (Ctry",[5255],{"type":162,"attrs":5256},{"color":164},{"text":5258,"type":116,"marks":5259},") sind die Pflichtfelder nach EPC-Vorgabe. In Deutschland werden zusätzlich PLZ, Straße und Hausnummer erwartet.",[5260],{"type":162,"attrs":5261},{"color":4554},{"_uid":5263,"hide":28,"title":5264,"component":1338,"description":5265},"4a8b0cf5-b8c9-4c96-85a6-c34ad4c23ae7","Was bedeutet ein „Close Match\" bei der VoP-Prüfung?",{"type":107,"content":5266},[5267],{"type":110,"attrs":5268,"content":5269},{"textAlign":25},[5270],{"text":5271,"type":116,"marks":5272},"Die Empfängerbank erkennt eine geringfügige Abweichung, etwa einen Tippfehler oder eine abgekürzte Rechtsform. Die Zahlung wird nicht automatisch abgelehnt, aber der Auftraggeber erhält einen Warnhinweis und muss die Ausführung aktiv bestätigen.",[5273],{"type":162,"attrs":5274},{"color":4554},{"_uid":5276,"hide":28,"title":5277,"component":1338,"description":5278},"35fa2a3f-413d-44dc-b9e1-29aea2c78e05","Kann ich altes und neues SEPA-Format parallel nutzen?",{"type":107,"content":5279},[5280],{"type":110,"attrs":5281,"content":5282},{"textAlign":25},[5283],{"text":5284,"type":116,"marks":5285},"Während der Übergangsphase bis November 2026 akzeptieren die meisten Banken beide Formate. Nach dem Stichtag werden die alten Versionen nicht mehr unterstützt.",[5286],{"type":162,"attrs":5287},{"color":4554},[5289],{"cta":5290,"_uid":5291,"title":5292,"eyebrow":5303,"subtitle":5306,"component":184,"textAlign":68,"eyebrowPill":28,"flexibleSection":5309,"sectionSettings":5310,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":68},[],"f3250a9d-7c4a-484b-81c2-0bfac24c9b5a",{"type":107,"content":5293},[5294],{"type":184,"attrs":5295,"content":5296},{"level":186,"textAlign":25},[5297],{"text":5298,"type":116,"marks":5299},"Häufig gestellte Fragen zur ISO-20022-Umstellung für SEPA-Zahlungen",[5300,5302],{"type":162,"attrs":5301},{"color":4554},{"type":2071},{"type":107,"content":5304},[5305],{"type":110},{"type":107,"content":5307},[5308],{"type":110},[],[],[],"sepa-2026-datensatz-zahlungslauf","de/blog/sepa-2026-datensatz-zahlungslauf",-1930,[],"7b261590-386b-4094-8345-6ddd2965286d","2026-06-19T09:23:07.916Z",[],"blog/sepa-2026-datensatz-zahlungslauf",[5321,5322,5323],{"path":5319,"name":25,"lang":37,"published":25},{"path":5319,"name":25,"lang":32,"published":25},{"path":5319,"name":25,"lang":40,"published":25},{"name":5325,"created_at":5326,"published_at":5327,"updated_at":5328,"id":5329,"uuid":5330,"content":5331,"slug":5530,"full_slug":5531,"sort_by_date":25,"position":5532,"tag_list":5533,"is_startpage":28,"parent_id":1418,"meta_data":25,"group_id":5534,"first_published_at":5535,"release_id":25,"lang":32,"path":25,"alternates":5536,"default_full_slug":5537,"translated_slugs":5538},"Vorsteuerabzug in Gefahr wenn Lieferanten die E-Rechnungspflicht 2027 verschlafen","2026-06-18T17:06:21.605Z","2026-07-08T18:44:21.617Z","2026-07-08T18:44:21.646Z",188877953485076,"0ceff51c-e530-4880-9cd7-c3d2988c124c",{"_uid":5332,"title":5325,"topics":5333,"noIndex":28,"category":5354,"language":5363,"component":1303,"heroMedia":5364,"publishedAt":5365,"redirectUrl":68,"listingImage":5366,"metaDescription":5373,"bottomArticleCta":5374,"componentsAfterTheArticle":5375},"6fa33fef-1d51-427a-8ac6-bc7d578b84f9",[5334],{"name":5335,"created_at":5336,"published_at":16,"updated_at":5337,"id":5338,"uuid":5339,"content":5340,"slug":5342,"full_slug":5343,"sort_by_date":25,"position":5344,"tag_list":5345,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":5346,"first_published_at":5347,"release_id":25,"lang":32,"path":25,"alternates":5348,"default_full_slug":5349,"translated_slugs":5350,"_stopResolving":41},"Rechnungsverwaltung","2022-10-19T17:57:57.215Z","2026-03-12T10:47:23.690Z",206171431,"be1b855b-c791-4574-9787-eb9772904887",{"_uid":5341,"name":5335,"component":22},"b0df22cd-75d4-4f73-a52c-871ced49a4d3","rechnungsverwaltung","de/blog/topic/rechnungsverwaltung",-350,[],"3a5d510d-faf0-479d-a850-510efd01fc17","2022-11-02T15:24:45.775Z",[],"blog/topic/rechnungsverwaltung",[5351,5352,5353],{"path":5349,"name":25,"lang":37,"published":25},{"path":5349,"name":25,"lang":32,"published":25},{"path":5349,"name":25,"lang":40,"published":25},{"name":1291,"created_at":1292,"published_at":16,"updated_at":1293,"id":1294,"uuid":1295,"content":5355,"slug":1303,"full_slug":1304,"sort_by_date":25,"position":26,"tag_list":5357,"is_startpage":28,"parent_id":1306,"meta_data":25,"group_id":1307,"first_published_at":1308,"release_id":25,"lang":32,"path":25,"alternates":5358,"default_full_slug":1310,"translated_slugs":5359,"_stopResolving":41},{"_uid":1297,"icon":5356,"name":1291,"component":1302},{"id":1299,"alt":1300,"name":68,"focus":68,"title":68,"filename":1301,"copyright":68,"fieldtype":95,"is_external_url":28},[],[],[5360,5361,5362],{"path":1310,"name":25,"lang":37,"published":25},{"path":1310,"name":25,"lang":32,"published":25},{"path":1310,"name":25,"lang":40,"published":25},[32],[],"2026-06-18 00:00",[5367],{"_uid":5368,"asset":5369,"caption":5325,"component":733},"a7ae6807-0d8b-4c1a-a220-3c17c3f0215d",{"id":5370,"alt":68,"name":68,"focus":68,"title":68,"source":68,"filename":5371,"copyright":68,"fieldtype":95,"meta_data":5372,"is_external_url":28},6306649,"https://a.storyblok.com/f/146026/2380x1340/04735a210a/supplier-invoices.png",{},"Ab 2027 kann eine PDF Ihres Lieferanten Ihren Vorsteuerabzug kippen. So sichern Sie Liquidität und Eingangsprozess gegen die E-Rechnungspflicht ab.",[],[5376],{"cta":5377,"_uid":5378,"items":5379,"heading":5510,"reverse":28,"component":1412,"sectionSettings":5529},[],"10e52921-e27a-4e64-8744-c6caa7a7aceb",[5380,5393,5406,5430,5479],{"_uid":5381,"hide":28,"title":5382,"component":1338,"description":5383},"883403da-00e8-406b-9837-9a4753e3be6f","Ist mein Vorsteuerabzug bei einer PDF-Rechnung ab 2027 automatisch verloren?",{"type":107,"content":5384},[5385],{"type":110,"attrs":5386,"content":5387},{"textAlign":25},[5388],{"text":5389,"type":116,"marks":5390},"Nein, nicht automatisch. Während der Übergangsfrist gilt eine Rechnung im falschen Format, die aber inhaltlich vollständig ist, als „sonstige Rechnung\" und berechtigt weiterhin zum Vorsteuerabzug. Kritisch wird es nach Ablauf der Übergangsfrist und immer dann, wenn zusätzlich inhaltliche Pflichtangaben fehlen.",[5391],{"type":162,"attrs":5392},{"color":4554},{"_uid":5394,"hide":28,"title":5395,"component":1338,"description":5396},"e0a832f8-6226-4296-a1c2-3ebd9d9be2b8","Wer haftet, wenn mein Lieferant gegen die Ausstellungspflicht verstößt?",{"type":107,"content":5397},[5398],{"type":110,"attrs":5399,"content":5400},{"textAlign":25},[5401],{"text":5402,"type":116,"marks":5403},"Der Lieferant haftet für die Verletzung seiner Ausstellungspflicht. Den wirtschaftlichen Schaden – versagter Vorsteuerabzug, Liquiditätsverzögerung, Korrekturaufwand – trägt jedoch in der Regel der Empfänger. Diese Asymmetrie ist der Kern des Risikos.",[5404],{"type":162,"attrs":5405},{"color":4554},{"_uid":5407,"hide":28,"title":5408,"component":1338,"description":5409},"4ba56328-1f06-4961-93be-eb85b7c0925e","Welche Inhaltsfehler beanstanden Betriebsprüfer am häufigsten?",{"type":107,"content":5410},[5411],{"type":110,"attrs":5412,"content":5413},{"textAlign":25},[5414,5419,5425],{"text":5415,"type":116,"marks":5416},"Fehlender oder falscher Leistungszeitpunkt, falsche oder fehlende Steuernummer/USt-IdNr., unpräzise Leistungsbeschreibungen und Abweichungen zwischen ausgewiesenem Steuerbetrag und Steuersatz. Diese Fehler gefährden den Vorsteuerabzug ",[5417],{"type":162,"attrs":5418},{"color":4554},{"text":5420,"type":116,"marks":5421},"unabhängig",[5422,5424],{"type":162,"attrs":5423},{"color":4554},{"type":4189},{"text":5426,"type":116,"marks":5427}," vom Rechnungsformat und unabhängig von der Übergangsfrist.",[5428],{"type":162,"attrs":5429},{"color":4554},{"_uid":5431,"hide":28,"title":5432,"component":1338,"description":5433},"7ed534ce-ca71-43c2-97a9-60352df05553","Wie archiviere ich eine ZUGFeRD-Rechnung so, dass mein Vorsteuerabzug gesichert ist? ",{"type":107,"content":5434},[5435],{"type":110,"attrs":5436,"content":5437},{"textAlign":25},[5438,5443,5450,5457,5462,5468,5475],{"text":5439,"type":116,"marks":5440},"Das eingebettete XML ist das umsatzsteuerliche Original und muss als solches archiviert werden – die PDF-Ebene allein genügt nicht. Die",[5441],{"type":162,"attrs":5442},{"color":4554},{"text":298,"type":116,"marks":5444},[5445,5448],{"type":301,"attrs":5446},{"href":5447,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://www.spendesk.com/de/blog/zugferd-rechnung-e-rechnungspflicht/",{"type":162,"attrs":5449},{"color":4554},{"text":5451,"type":116,"marks":5452},"ZUGFeRD-Profilkonformität",[5453,5455],{"type":301,"attrs":5454},{"href":5447,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":5456},{"color":4749},{"text":5458,"type":116,"marks":5459}," entscheidet zusätzlich darüber, ob die Rechnung gesetzlich überhaupt anerkannt wird. Wie das prozessual sauber gelingt, beschreibt unser",[5460],{"type":162,"attrs":5461},{"color":4554},{"text":298,"type":116,"marks":5463},[5464,5466],{"type":301,"attrs":5465},{"href":4759,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":5467},{"color":4554},{"text":5469,"type":116,"marks":5470},"GoBD-Leitfaden",[5471,5473],{"type":301,"attrs":5472},{"href":4759,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":162,"attrs":5474},{"color":4749},{"text":317,"type":116,"marks":5476},[5477],{"type":162,"attrs":5478},{"color":4554},{"_uid":5480,"hide":28,"title":5481,"component":1338,"description":5482},"112f8671-193e-4142-93f8-1f33dd3b1107","Bin ich als GmbH grundsätzlich vorsteuerabzugsberechtigt?",{"type":107,"content":5483},[5484],{"type":110,"attrs":5485,"content":5486},{"textAlign":25},[5487,5492,5499,5506],{"text":5488,"type":116,"marks":5489},"Ja, sofern Sie umsatzsteuerpflichtige Leistungen erbringen und die Voraussetzungen nach Paragraph 15 Umsatzsteuergesetz erfüllen. Ab 2027 zählt bei verpflichteten Lieferanten auch das strukturierte Rechnungsformat zu diesen Voraussetzungen. 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