Newsletter 206 BNFIX PICH
People, principles, services
October 2025
Dear all,
In the October edition of the BNFIX PICH newsletter, we share a range of topics of interest.
We begin with an interview featuring Andreu Cruañas, offering insights into people management. This is followed by an analysis of the current state of Social Security contributions for the self-employed, highlighting three key variables that help clarify the situation.
We also examine the implications of time tracking regulations in companies and provide an update on how large property holders are being treated under current legislation in Catalonia. Additionally, we offer a practical overview of the implementation of the Verifactu electronic invoicing system, aimed at helping businesses adapt to new compliance requirements.
Finally, we address other relevant matters, such as the responsibilities of those managing whistleblowing channels, and share our latest collaborations and activities.
María José Moragas · mj.moragas@pich.bnfix.com
Partner, head of legal area BNFIX PICH TAX LEGAL
Highlights
▶ Video
Human Capital in a World of Uncertainties
Video interview with Andreu Cruañas, president of Asempleo: “Companies need versatile profiles that adapt to change”
The president of the Association of Employment Companies (Asempleo), Andreu Cruañas, speaks with our partner, Valentí Pich, about the importance of companies being able to attract versatile professional profiles who are adaptable to changes and to the needs of companies and a society that are also changing.
/ The Catalan Register of Large Property Owners, by the end of October
The creation and implementation of the Register of Large Property Owners (RGT) in Catalonia could become a reality by the end of this October. This was announced by the Minister of Territory, Sílvia Paneque—an announcement we take the opportunity to use to remind you of the new obligations that large property owners in Catalonia (large holders) must comply with.
/ Verifactu: the new regulation of invoicing software systems (SIF)
The new regulation on invoicing software systems (SIF), known as Verifactu, will be mandatory starting January 1, 2026 for companies and July 1 for self-employed individuals and sole proprietors. The regulation introduces technical requirements and enhanced controls to ensure the integrity, traceability, preservation, and tax control of all invoices and receipts issued within the framework of any economic activity.
▶ Video
Workday Time Tracking: Obligations, Risks and Solutions for Companies
The reform of the time tracking system being promoted by the Government will likely make it stricter than initially proposed, in order to enforce more rigorous control over the working day.
/ Self-Employed Contributions: Maximum Increase of 2.5% for 2026
In the transition process towards a contribution system for self-employed workers based on actual income, the Government has revised its forecast for the 2026 contribution bases, which initially included increases of up to 35% in the highest brackets, and has finally approved a maximum increase of 2.5%.
/ Whistleblowing Channel: Obligations Affecting Its Responsible Person
A recent note from the Independent Authority for the Protection of Whistleblowers (AINPI) has raised certain doubts among companies regarding the Internal Information System (IIS), known as the whistleblowing channel. In light of these doubts, we believe it is necessary to remind you of the obligation to notify the appointment or dismissal of the persons responsible for the whistleblowing channel, clarify who is required to have such a channel, and detail the procedure and deadlines established for communication to the AINPI.
BNFIX Global news
/ BNFIX PICH at the XII BNFIX 2025 Meeting
On October 2 and 3, professionals from the BNFIX Global network will gather for their traditional Annual Meeting, which this year will be hosted by the Asturias offices.
The program includes several sessions, some of which will be open to the public and streamed live on the BNFIX Global YouTube channel, allowing clients, collaborators, and friends to attend. Other sessions will be internal and technical, aimed exclusively at professionals within the network. The meeting will cover topics of great interest and relevance for all participants.
Agenda and Collaborations
/ II Business Law Meeting
Our managing partner, Valentí Pich, participated on October 9, as president of the Legal Commission of the CEOE, in the opening of the ‘II Trobada d’Advocacia d’Empresa’, held at the Barcelona Bar Association (ICAB), organizer of the event together with the Madrid Bar Association. A meeting where it became clear, among other things, that “the legal departments of companies have ceased to be mere legal support to become a key element within organizations.”
ℹ️ More information, HERE
/ Verifactu session at Foment del Treball
Foment del Treball organized the session ‘Verifactu and the management of electronic invoicing’ on October 17, at the headquarters of this institution in both in-person and online formats.
Participants included Jaume Saura and Héctor Borreguero from the Tax Agency, César Sánchez, Territorial Director at Foment, and Ester Brullet from the Tax Area of BNFIX PICH, acting as question coordinator.
/ Valentí Pich, Grand Cross of Merit in the Service of the Economy
The General Council of Economists (CGE) awarded our managing partner Valentí Pich the Grand Cross of Merit in the Service of the Economy for his work both within the professional organization (which he chaired from 2008 to 2025) and in the governing bodies of various economic entities in which he participates, contributing to the creation of dialogue spaces between economists, companies, and public administrations.
The award ceremony took place on October 6 at the Casino de Madrid, in the presence of, among other personalities, the Secretary of State for Trade, Jesús Gascón, and the Secretary of State for Finance, Amparo López Senillosa.
ℹ️ More information, HERE
ℹ️ Press release from the Council, HERE
(From left to right: Miguel Ángel Vázquez Taín, President of the General Council of Economists of Spain (CGE); Aida Fernández, Undersecretary of Economy, Trade and Enterprise; Valentín Pich; and Ana Moreno, Secretary General of the CGE.)
/ We’re Taking Part in the Event: “Why Do Professionals Shop at Large Retailers?”
📅 October 28, 2025 / 8:30 AM
Our partner and president of the Legal Commission of CEOE, Valentí Pich, will open the 11th edition of L’informatiu titled “Why Do Professionals Shop at Large Retailers?”, organized by the portal of Building Materials Distributors. The event will explore how to attract the new customer to the building materials warehouse.
The event will take place on October 28 at the SB BCN Events Hotel in Castelldefels.
ℹ️ Registration, HERE
Press & Publications
/ ‘Business Freedom in Spain’. Instituto de Estudios Económicos and The Heritage Foundation. October 2025
The latest study by the Instituto de Estudios Económicos confirms that Spain ranks among the lowest in economic freedom within the OECD, occupying position 31 out of 38 in the 2025 Economic Freedom Index, 7% below the average of developed countries. According to the IEE, this is due to high fiscal pressure, a persistent structural deficit and public debt, excessive public spending, and complex regulation that hinders business creation and growth.
For this reason, the report advocates for business freedom as a strategic pillar, warns about the risks of diluting corporate objectives, and defends the need to strengthen business autonomy to drive economic growth and social well-being.
Read the full report (in Spanish), HERE
