{"id":30790,"date":"2025-11-23T22:51:21","date_gmt":"2025-11-23T21:51:21","guid":{"rendered":"https:\/\/pich.bnfix.com\/?p=30790"},"modified":"2025-11-23T22:51:21","modified_gmt":"2025-11-23T21:51:21","slug":"newsletter-november-2025","status":"publish","type":"post","link":"https:\/\/pich.bnfix.com\/en\/newsletter-november-2025\/","title":{"rendered":"Newsletter November 2025"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9v6ml1t-ad1395b21815085e2d66ec03039a39c9\">\n#top .av-special-heading.av-9v6ml1t-ad1395b21815085e2d66ec03039a39c9{\npadding-bottom:10px;\ncolor:#78d64b;\n}\nbody .av-special-heading.av-9v6ml1t-ad1395b21815085e2d66ec03039a39c9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-9v6ml1t-ad1395b21815085e2d66ec03039a39c9 .special-heading-inner-border{\nborder-color:#78d64b;\n}\n.av-special-heading.av-9v6ml1t-ad1395b21815085e2d66ec03039a39c9 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-9v6ml1t-ad1395b21815085e2d66ec03039a39c9 av-special-heading-h3 custom-color-heading  avia-builder-el-0  el_before_av_textblock  avia-builder-el-first '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Newsletter 207 BNFIX PICH<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-9hnjv1t-692aa754ae72deecd2d3b2727aeefee1 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h6 style=\"text-align: right;\"><span style=\"color: #78d64b;\"><em>People, principles, services<\/em><\/span><\/h6>\n<\/div><\/section>\n<section  class='av_textblock_section av-rs6nkh-3f99e031dbe55520abe72b2843d0a02b '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>November 2025<\/h2>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-wmmltd-5ddbbc869f07a37b281d8f62e1ee2ec9\">\n#top .hr.hr-invisible.av-wmmltd-5ddbbc869f07a37b281d8f62e1ee2ec9{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-wmmltd-5ddbbc869f07a37b281d8f62e1ee2ec9 hr-invisible  avia-builder-el-3  el_after_av_textblock  el_before_av_slideshow '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='avia-slideshow av-m4pzrgfm-f27086070975fb0a19630c66c8bad03e avia-slideshow-featured av_slideshow avia-slide-slider  avia-builder-el-4  el_after_av_hr  el_before_av_textblock  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 28.666666666667%;'><li  class='avia-slideshow-slide av-m4pzrgfm-f27086070975fb0a19630c66c8bad03e__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img fetchpriority=\"high\" decoding=\"async\" loading=\"eager\" class=\"wp-image-24987 avia-img-lazy-loading-not-24987\"  src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2024\/03\/banner-1500x430.jpg\" width=\"1500\" height=\"430\" title='banner' alt=''  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div>\n<section  class='av_textblock_section av-8i6lcs1-02ce9adea9144f7d96f08f3b18d67957 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Dear all,<\/p>\n<p data-start=\"11\" data-end=\"522\">The <strong>November newsletter<\/strong> begins with a topic we consider essential, as it will affect a large percentage of companies and self-employed professionals in the country: we are referring to <strong><em data-start=\"196\" data-end=\"207\">Verifactu<\/em><\/strong>,<strong> the new mandatory invoicing system that will come into force for businesses on 1 January 2026<\/strong>. For this reason, we are carrying out comprehensive monitoring and providing case-by-case advice; in addition, a series of talks has been arranged, which we are offering to many of the employers\u2019 associations we advise.<\/p>\n<p data-start=\"524\" data-end=\"1219\">We also invite you to watch a <strong>video<\/strong> explaining why it is worthwhile, both organisationally and fiscally, to <strong>plan the succession in family businesses<\/strong> in an orderly manner, as well as a <strong>video interview with the president of the Barcelona Urban Property Chamber, Joan R\u00e0fols, who reviews the main issues affecting housing.<\/strong> Likewise, we report on <strong>developments regarding large landlords and sustainability<\/strong> <strong>regulations<\/strong>, remind you of the <strong>deadline for filing Form 232<\/strong> and of the need to request an <strong>extension of the flat rate for self-employed workers<\/strong>, and we address the possibility of appealing the<strong> new waste-management fee<\/strong>. We round off the newsletter with the usual agenda and publications sections.<\/p>\n<p data-start=\"1221\" data-end=\"1290\">As always, we trust that all these topics will be of interest to you.<\/p>\n<p><strong>Toni Puig \u00b7 a.puig@pich.bnfix.com<\/strong><br \/>\nPartner, head of audit <strong>BNFI<span style=\"color: #78d64b;\">X<\/span> PICH TAX LEGAL AUDIT<\/strong><\/p>\n<h5 style=\"text-align: center;\"><\/h5>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lxuaf6mr-5e3a5ed00e0b5f1219d31d2382b3d281\">\n#top .hr.hr-invisible.av-lxuaf6mr-5e3a5ed00e0b5f1219d31d2382b3d281{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-lxuaf6mr-5e3a5ed00e0b5f1219d31d2382b3d281 hr-invisible  avia-builder-el-6  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-7omnqr5-25f4a96ee6c4eea42520056d73a26778 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h3><span style=\"color: #78d64b;\">Highlights<\/span><\/h3>\n<\/div><\/section>\n<section  class='av_textblock_section av-lrxuk4a8-4508e30797587328122d71ed8de72782 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\u25b6\u00a0<\/span><span style=\"color: #78d64b;\">Video <\/span><\/h4>\n<h3><span style=\"color: #333333;\">Succession in Family Businesses: Planning to Ensure Continuity<\/span><\/h3>\n<hr \/>\n<p><strong><a href=\"https:\/\/pich.bnfix.com\/sucesion-en-la-empresa-familiar-planificar-para-garantizar-la-continuidad\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-30797 size-medium\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/flanificaciofamiliar-youtube-PICH-300x166.jpg\" alt=\"\" width=\"300\" height=\"166\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/flanificaciofamiliar-youtube-PICH-300x166.jpg 300w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/flanificaciofamiliar-youtube-PICH-768x425.jpg 768w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/flanificaciofamiliar-youtube-PICH-310x172.jpg 310w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/flanificaciofamiliar-youtube-PICH-450x249.jpg 450w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/flanificaciofamiliar-youtube-PICH-357x198.jpg 357w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/flanificaciofamiliar-youtube-PICH.jpg 793w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>Carolina Mateo, Mar\u00eda Jos\u00e9 Moragas, and \u00c1ngel Or<\/strong>\u00f3 discuss in this video <strong>the importance of properly planning the succession in small and medium-sized family businesses<\/strong>\u2014both from an organisational and a tax perspective. These businesses make up the bulk of our business fabric, and planning ahead helps anticipate possible contingencies, ensure continuity, and avoid future disputes.<\/p>\n<\/div><\/section>\n<div  class='avia-button-wrap av-m2lv7idp-74478cb82e338f1467a2f74e88de4a9b-wrap avia-button-center  avia-builder-el-9  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/sucesion-en-la-empresa-familiar-planificar-para-garantizar-la-continuidad\/'  class='avia-button av-m2lv7idp-74478cb82e338f1467a2f74e88de4a9b av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Watch the video (Spanish) &amp; more information \u00b7 carolina.mateo@pich.bnfix.com\"><span class='avia_button_icon avia_button_icon_left avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='youtube-play' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\">\n<title id='av-svg-title-1'>Youtube-play<\/title>\n<desc id='av-svg-desc-1'>Youtube-play<\/desc>\n<path d=\"M12.704 20.128l8.64-4.448-8.64-4.512v8.96zM16 4.736q3.008 0 5.792 0.096t4.096 0.16l1.312 0.064q0 0 0.288 0.032t0.416 0.064 0.416 0.064 0.512 0.16 0.512 0.224 0.544 0.352 0.512 0.48q0.128 0.096 0.288 0.32t0.512 1.056 0.48 1.792q0.128 1.152 0.224 2.432t0.096 2.048v3.136q0.032 2.592-0.32 5.184-0.128 0.96-0.448 1.76t-0.576 1.12l-0.256 0.288q-0.224 0.256-0.512 0.48t-0.544 0.32-0.512 0.224-0.512 0.16-0.416 0.064-0.416 0.064-0.288 0.032q-4.48 0.352-11.2 0.352-3.68-0.064-6.432-0.128t-3.552-0.128l-0.896-0.096-0.64-0.064q-0.64-0.096-0.96-0.16t-0.928-0.384-0.992-0.736q-0.128-0.096-0.288-0.32t-0.512-1.056-0.48-1.792q-0.128-1.152-0.224-2.432t-0.096-2.048v-3.136q-0.032-2.592 0.32-5.184 0.128-0.992 0.448-1.76t0.576-1.12l0.256-0.288q0.256-0.288 0.512-0.48t0.544-0.352 0.512-0.224 0.512-0.16 0.416-0.064 0.416-0.064 0.288-0.032q4.48-0.32 11.2-0.32z\"><\/path>\n<\/svg><\/span><span class='avia_iconbox_title' >Watch the video (Spanish) &amp; more information \u00b7 carolina.mateo@pich.bnfix.com<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2polfhr-18a2a812fcffd92155e56b125376aff9\">\n#top .hr.hr-invisible.av-2polfhr-18a2a812fcffd92155e56b125376aff9{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-2polfhr-18a2a812fcffd92155e56b125376aff9 hr-invisible  avia-builder-el-10  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-lxvw9pix-4ca097a34205921641985d83884c2901 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\u25b6\u00a0<\/span><span style=\"color: #78d64b;\">Video \/\u00a0<\/span><span style=\"color: #333333;\">Conversations with Experts<\/span><\/h4>\n<p><span style=\"color: #333333;\"><strong> Joan R\u00e0fols, President of the Urban Property Chamber: \u201cWe Are Creating Obstacles That Restrict Housing Supply\u201d<\/strong><\/span><\/p>\n<hr \/>\n<p><a href=\"https:\/\/pich.bnfix.com\/converses-amb-experts-que-esta-fallant-en-la-politica-dhabitatge\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-30802 size-medium\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/miniaturayoutube-vivenda-300x167.jpg\" alt=\"\" width=\"300\" height=\"167\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/miniaturayoutube-vivenda-300x167.jpg 300w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/miniaturayoutube-vivenda-768x428.jpg 768w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/miniaturayoutube-vivenda-310x173.jpg 310w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/miniaturayoutube-vivenda-450x251.jpg 450w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/miniaturayoutube-vivenda-357x200.jpg 357w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/miniaturayoutube-vivenda.jpg 795w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:6dec0714-09a1-465a-aab1-39dd05535d23-8\" data-testid=\"conversation-turn-8\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] thread-sm:[--thread-content-margin:--spacing(6)] thread-lg:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] thread-lg:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"f5972622-bcb5-4fa7-80d9-007212f85ee7\" data-message-model-slug=\"gpt-5-1\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"140\" data-end=\"461\" data-is-last-node=\"\" data-is-only-node=\"\"><strong>The president of the Urban Property Chamber of Barcelona, Joan R\u00e0fols, speaks in this interview with our partner Valent\u00ed Pich about the issues affecting housing<\/strong> \u2014 ranging from land shortages and the 30% requirement to regulatory excess, rent control, and the \u201cpenalisation of investors and property owners,\u201d among others.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"z-0 flex min-h-[46px] justify-start\"><\/div>\n<div class=\"mt-3 w-full empty:hidden\">\n<div class=\"text-center\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<div class=\"pointer-events-none h-px w-px\" aria-hidden=\"true\" data-edge=\"true\"><\/div>\n<\/div><\/section>\n<div  class='avia-button-wrap av-mic88qrj-bd2b53a60785441946422540e7f64533-wrap avia-button-center  avia-builder-el-12  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/converses-amb-experts-que-esta-fallant-en-la-politica-dhabitatge\/'  class='avia-button av-mic88qrj-bd2b53a60785441946422540e7f64533 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Watch the video (Spanish)\"><span class='avia_button_icon avia_button_icon_left avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='youtube-play' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\">\n<title id='av-svg-title-2'>Youtube-play<\/title>\n<desc id='av-svg-desc-2'>Youtube-play<\/desc>\n<path d=\"M12.704 20.128l8.64-4.448-8.64-4.512v8.96zM16 4.736q3.008 0 5.792 0.096t4.096 0.16l1.312 0.064q0 0 0.288 0.032t0.416 0.064 0.416 0.064 0.512 0.16 0.512 0.224 0.544 0.352 0.512 0.48q0.128 0.096 0.288 0.32t0.512 1.056 0.48 1.792q0.128 1.152 0.224 2.432t0.096 2.048v3.136q0.032 2.592-0.32 5.184-0.128 0.96-0.448 1.76t-0.576 1.12l-0.256 0.288q-0.224 0.256-0.512 0.48t-0.544 0.32-0.512 0.224-0.512 0.16-0.416 0.064-0.416 0.064-0.288 0.032q-4.48 0.352-11.2 0.352-3.68-0.064-6.432-0.128t-3.552-0.128l-0.896-0.096-0.64-0.064q-0.64-0.096-0.96-0.16t-0.928-0.384-0.992-0.736q-0.128-0.096-0.288-0.32t-0.512-1.056-0.48-1.792q-0.128-1.152-0.224-2.432t-0.096-2.048v-3.136q-0.032-2.592 0.32-5.184 0.128-0.992 0.448-1.76t0.576-1.12l0.256-0.288q0.256-0.288 0.512-0.48t0.544-0.352 0.512-0.224 0.512-0.16 0.416-0.064 0.416-0.064 0.288-0.032q4.48-0.32 11.2-0.32z\"><\/path>\n<\/svg><\/span><span class='avia_iconbox_title' >Watch the video (Spanish)<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4im5j4w-4113bffc1419c4a891da5fd3008dfd2c\">\n#top .hr.hr-invisible.av-4im5j4w-4113bffc1419c4a891da5fd3008dfd2c{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-4im5j4w-4113bffc1419c4a891da5fd3008dfd2c hr-invisible  avia-builder-el-13  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mfof2qqs-543c27afcad3bca0d63eb83a809d25a2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/<\/span> We Support Our Clients in the Transition to Verifactu<\/h4>\n<hr \/>\n<p data-start=\"55\" data-end=\"415\">With the aim of preparing companies, self-employed professionals, and professional organisations for the significant changes brought by the new <strong>Verifactu invoicing system \u2014 which will become mandatory for businesses starting 1 January \u2014 several members of our Tax and Legal departments are delivering informative sessions in Madrid, Barcelona, and also online.<\/strong><\/p>\n<p data-start=\"417\" data-end=\"805\"><strong>Led by Andrea Or\u00f3<\/strong>, who is responsible for these sessions, we are addressing questions and providing practical guidance. This training effort seeks to support our clients as they adapt to a regulation that, as highlighted in our explanatory presentation, represents not only an obligation but also a real opportunity to advance in the digitalisation and optimisation of internal processes.<\/p>\n<\/div><\/section>\n<div  class='avia-button-wrap av-mfof30pa-6dbb66def5cbea0900ffd62cfee86b6d-wrap avia-button-center  avia-builder-el-15  el_after_av_textblock  el_before_av_button '><a href='https:\/\/pich.bnfix.com\/verifactu-la-nueva-regulacion-de-los-sistemas-informaticos-de-facturacion-sif\/'  class='avia-button av-mfof30pa-6dbb66def5cbea0900ffd62cfee86b6d av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"More information (Spanish) \u00b7 andrea.oro@pich.bnfix.com\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue823' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >More information (Spanish) \u00b7 andrea.oro@pich.bnfix.com<\/span><\/a><\/div>\n<div  class='avia-button-wrap av-mic8c3m9-dd5c81d4eedf87e6635f227ee8ad42a1-wrap avia-button-center  avia-builder-el-16  el_after_av_button  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/Presentacion-VERIFACTU-BNFIX-PICH.pdf'  class='avia-button av-mic8c3m9-dd5c81d4eedf87e6635f227ee8ad42a1 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Verifactu summary presentation\"><span class='avia_button_icon avia_button_icon_left avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='comment' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"32\" viewBox=\"0 0 26 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-3' aria-describedby='av-svg-desc-3' role=\"graphics-symbol\">\n<title id='av-svg-title-3'>Comment<\/title>\n<desc id='av-svg-desc-3'>Comment<\/desc>\n<path d=\"M22.4 4.8q1.344 0 2.272 0.928t0.928 2.272v11.2q0 1.28-0.928 2.24t-2.272 0.96h-6.4v4.8l-6.4-4.8h-6.4q-1.28 0-2.24-0.96t-0.96-2.24v-11.2q0-1.344 0.96-2.272t2.24-0.928h19.2z\"><\/path>\n<\/svg><\/span><span class='avia_iconbox_title' >Verifactu summary presentation<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3gdts00-9e3b5442922978b418e6405ff03f709b\">\n#top .hr.hr-invisible.av-3gdts00-9e3b5442922978b418e6405ff03f709b{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-3gdts00-9e3b5442922978b418e6405ff03f709b hr-invisible  avia-builder-el-17  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mic8ey1b-6bebadff3b17319e2e32bf04756af793 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/<\/span> The Primary Residence Excluded from the Calculation for Being Considered a Large Housing Holder in Catalonia<\/h4>\n<hr \/>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:6dec0714-09a1-465a-aab1-39dd05535d23-10\" data-testid=\"conversation-turn-12\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] thread-sm:[--thread-content-margin:--spacing(6)] thread-lg:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] thread-lg:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"a28562fb-06a4-4c06-82e0-13cb228b1c6b\" data-message-model-slug=\"gpt-5-1\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"110\" data-end=\"414\" data-is-last-node=\"\" data-is-only-node=\"\">The Government of Catalonia has revised the definition of \u201clarge housing holder,\u201d expressly excluding the p<strong>rimary residence from the property count required to fall under this category. In addition, the tax and administrative conditions applicable to large property owners in Catalonia have been unified.<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div><\/section>\n<div  class='avia-button-wrap av-mic8fnsf-28fbc946f7024057b67dfb48880e2d33-wrap avia-button-center  avia-builder-el-19  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/la-vivienda-habitual-excluida-del-computo-para-ser-gran-tenedor-de-vivienda-en-catalunya\/'  class='avia-button av-mic8fnsf-28fbc946f7024057b67dfb48880e2d33 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"More information (Spanish) \u00b7 victor.bueno@pich.bnfix.com\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue823' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >More information (Spanish) \u00b7 victor.bueno@pich.bnfix.com<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_hr-7cfd7c2c20b7afd1bd933086624e030c\">\n#top .hr.hr-invisible.av-av_hr-7cfd7c2c20b7afd1bd933086624e030c{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-av_hr-7cfd7c2c20b7afd1bd933086624e030c hr-invisible  avia-builder-el-20  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mic8hp8r-58dbfba7218464ccee0965fc61332043 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/<\/span> Self-Employed Workers Who Wish to Extend the Flat Rate Must Request It in Advance<\/h4>\n<hr \/>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:6dec0714-09a1-465a-aab1-39dd05535d23-10\" data-testid=\"conversation-turn-12\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] thread-sm:[--thread-content-margin:--spacing(6)] thread-lg:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] thread-lg:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"a28562fb-06a4-4c06-82e0-13cb228b1c6b\" data-message-model-slug=\"gpt-5-1\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"110\" data-end=\"414\" data-is-last-node=\"\" data-is-only-node=\"\"><strong>Self-employed workers who are in their first year of the flat rate and wish to benefit from it for a second year must<\/strong>, in addition to meeting certain requirements, <strong>expressly apply<\/strong> for the extension before the end of the first year. Otherwise, they will lose the right to maintain the reduction.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div><\/section>\n<div  class='avia-button-wrap av-mic8i9ue-c9a3abfea5904479f80e14111f06b9b8-wrap avia-button-center  avia-builder-el-22  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/los-autonomos-que-quieran-prorrogar-la-tarifa-plana-deben-solicitarlo-previamente\/'  class='avia-button av-mic8i9ue-c9a3abfea5904479f80e14111f06b9b8 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"More information (Spanish) \u00b7 montse.teruel@pich.bnfix.com\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue823' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >More information (Spanish) \u00b7 montse.teruel@pich.bnfix.com<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_hr-7cfd7c2c20b7afd1bd933086624e030c\">\n#top .hr.hr-invisible.av-av_hr-7cfd7c2c20b7afd1bd933086624e030c{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-av_hr-7cfd7c2c20b7afd1bd933086624e030c hr-invisible  avia-builder-el-23  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mfof9kmp-f21f4a94d904063fbaf7ca21eb60f881 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/<\/span> New Waste Collection Fees: A Hidden (and Challengeable) Tax<\/h4>\n<hr \/>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:6dec0714-09a1-465a-aab1-39dd05535d23-12\" data-testid=\"conversation-turn-16\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] thread-sm:[--thread-content-margin:--spacing(6)] thread-lg:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] thread-lg:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"ec1d7480-64bd-4315-9d3b-bcb0db44f551\" data-message-model-slug=\"gpt-5-1\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"61\" data-end=\"384\" data-is-last-node=\"\" data-is-only-node=\"\">The recent revision and update of municipal waste collection and treatment fees has raised questions about their legality. For this reason, we explain <strong>why, in certain circumstances, there is a legal basis for challenging the waste collection fee<\/strong>, focusing on the fact that, in some cases, it may be considered a hidden tax.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"z-0 flex min-h-[46px] justify-start\"><\/div>\n<div class=\"mt-3 w-full empty:hidden\">\n<div class=\"text-center\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<div class=\"pointer-events-none h-px w-px\" aria-hidden=\"true\" data-edge=\"true\"><\/div>\n<\/div><\/section>\n<div  class='avia-button-wrap av-mfofa18e-25dc98f0cddf32dfde4c3f536498dd4b-wrap avia-button-center  avia-builder-el-25  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/nuevas-tasas-de-basuras-un-impuesto-encubierto-y-recurrible\/'  class='avia-button av-mfofa18e-25dc98f0cddf32dfde4c3f536498dd4b av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"More information (Spanish) \u00b7 victor.bueno@pich.bnfix.com\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue823' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >More information (Spanish) \u00b7 victor.bueno@pich.bnfix.com<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-33qlqv4-33bd062d18131d3d13064bfe29a17ee5\">\n#top .hr.hr-invisible.av-33qlqv4-33bd062d18131d3d13064bfe29a17ee5{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-33qlqv4-33bd062d18131d3d13064bfe29a17ee5 hr-invisible  avia-builder-el-26  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mfofbdpn-d28a25eff5506246a9d1ad63b7110e6a '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/<\/span> 30 November: Last Day to File Form 232 for Related-Party Transactions<\/h4>\n<hr \/>\n<p data-start=\"73\" data-end=\"193\">30 November is the deadline for filing Form 232 for related-party transactions corresponding to the 2024 financial year.<\/p>\n<p data-start=\"195\" data-end=\"476\" data-is-last-node=\"\" data-is-only-node=\"\">In the attached circular, we explain, among other things, <strong>what qualifies as a related-party transaction and who is required to file the form<\/strong>. We also remind readers of the importance of completing it correctly, as this type of transaction is under close scrutiny by the Tax Agency.<\/p>\n<\/div><\/section>\n<div  class='avia-button-wrap av-mfofbp20-cb4ef9156b46c32e6d97484248b24ec5-wrap avia-button-center  avia-builder-el-28  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/el-30-de-noviembre-ultimo-dia-para-presentar-el-modelo-232-de-operaciones-vinculadas\/'  class='avia-button av-mfofbp20-cb4ef9156b46c32e6d97484248b24ec5 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"More information (Spanish) \u00b7 carolina.mateo@pich.bnfix.com\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue823' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >More information (Spanish) \u00b7 carolina.mateo@pich.bnfix.com<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2hn076o-5c16bf7a385ce55bf1243f7d2e4b5389\">\n#top .hr.hr-invisible.av-2hn076o-5c16bf7a385ce55bf1243f7d2e4b5389{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-2hn076o-5c16bf7a385ce55bf1243f7d2e4b5389 hr-invisible  avia-builder-el-29  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mfof7m7z-e124ec3190d231516c4b9c656c43ebd5 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\u25b6\u00a0<\/span><span style=\"color: #78d64b;\">Video <\/span><\/h4>\n<h3>Sustainability Reporting Directive: What\u2019s New<\/h3>\n<hr \/>\n<p><a href=\"https:\/\/pich.bnfix.com\/directiva-sobre-informacion-corporativa-en-materia-de-sostenibilidad-novedades\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-30807 size-medium\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/sostenibilidad-youtube-PICH-300x168.jpg\" alt=\"\" width=\"300\" height=\"168\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/sostenibilidad-youtube-PICH-300x168.jpg 300w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/sostenibilidad-youtube-PICH-768x431.jpg 768w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/sostenibilidad-youtube-PICH-310x174.jpg 310w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/sostenibilidad-youtube-PICH-450x253.jpg 450w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/sostenibilidad-youtube-PICH-357x200.jpg 357w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/sostenibilidad-youtube-PICH.jpg 796w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>The Spanish National Securities Market Commission (CNMV) and the Institute of Accounting and Auditing (ICAC) have issued a joint <strong>statement updating the recommendations on the application in Spain of the CSRD (Corporate Sustainability Reporting Directive)<\/strong> and its associated standards. These updates come in the context of delays in its transposition into national law.<\/p>\n<\/div><\/section>\n<div  class='avia-button-wrap av-mfof7sen-056632fb9ce411d83f78498f39cffebc-wrap avia-button-center  avia-builder-el-31  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/pich.bnfix.com\/directiva-sobre-informacion-corporativa-en-materia-de-sostenibilidad-novedades\/'  class='avia-button av-mfof7sen-056632fb9ce411d83f78498f39cffebc av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Watch the video (Spanish) \u00b7 estefania.sanchez@pich.bnfix.com\"><span class='avia_button_icon avia_button_icon_left avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='youtube-play' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-4' aria-describedby='av-svg-desc-4' role=\"graphics-symbol\">\n<title id='av-svg-title-4'>Youtube-play<\/title>\n<desc id='av-svg-desc-4'>Youtube-play<\/desc>\n<path d=\"M12.704 20.128l8.64-4.448-8.64-4.512v8.96zM16 4.736q3.008 0 5.792 0.096t4.096 0.16l1.312 0.064q0 0 0.288 0.032t0.416 0.064 0.416 0.064 0.512 0.16 0.512 0.224 0.544 0.352 0.512 0.48q0.128 0.096 0.288 0.32t0.512 1.056 0.48 1.792q0.128 1.152 0.224 2.432t0.096 2.048v3.136q0.032 2.592-0.32 5.184-0.128 0.96-0.448 1.76t-0.576 1.12l-0.256 0.288q-0.224 0.256-0.512 0.48t-0.544 0.32-0.512 0.224-0.512 0.16-0.416 0.064-0.416 0.064-0.288 0.032q-4.48 0.352-11.2 0.352-3.68-0.064-6.432-0.128t-3.552-0.128l-0.896-0.096-0.64-0.064q-0.64-0.096-0.96-0.16t-0.928-0.384-0.992-0.736q-0.128-0.096-0.288-0.32t-0.512-1.056-0.48-1.792q-0.128-1.152-0.224-2.432t-0.096-2.048v-3.136q-0.032-2.592 0.32-5.184 0.128-0.992 0.448-1.76t0.576-1.12l0.256-0.288q0.256-0.288 0.512-0.48t0.544-0.352 0.512-0.224 0.512-0.16 0.416-0.064 0.416-0.064 0.288-0.032q4.48-0.32 11.2-0.32z\"><\/path>\n<\/svg><\/span><span class='avia_iconbox_title' >Watch the video (Spanish) \u00b7 estefania.sanchez@pich.bnfix.com<\/span><\/a><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m780lg0i-cc98534f90c3e5f7cfb0ee00d008abeb\">\n#top .hr.hr-invisible.av-m780lg0i-cc98534f90c3e5f7cfb0ee00d008abeb{\nheight:100px;\n}\n<\/style>\n<div  class='hr av-m780lg0i-cc98534f90c3e5f7cfb0ee00d008abeb hr-invisible  avia-builder-el-32  el_after_av_button  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-34d2zr-ef5e0a991c91dba4f1bd0d9b7bfa5235 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h3><span style=\"color: #78d64b;\">DFK International news<\/span><\/h3>\n<\/div><\/section>\n<section  class='av_textblock_section av-m780nisg-bb9119780ec7208244fe851697089d20 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/ <span style=\"color: #000000;\">We Host the DFK International Executive Committee Meeting<\/span><\/span><strong data-start=\"43\" data-end=\"155\"><br \/>\n<\/strong><\/h4>\n<hr \/>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-30812 alignleft\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-300x225.jpeg\" alt=\"\" width=\"300\" height=\"225\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-300x225.jpeg 300w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-1030x773.jpeg 1030w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-768x576.jpeg 768w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-1536x1152.jpeg 1536w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-1500x1125.jpeg 1500w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-310x233.jpeg 310w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-450x338.jpeg 450w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629-267x200.jpeg 267w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/IMG_0629.jpeg 2000w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p data-start=\"59\" data-end=\"595\"><strong>Our Barcelona offices hosted the meeting of the DFK International Executive Committee on 12 and 13 November, as members of BNFIX<\/strong>. <strong>Our partner and head of the Legal Area, Mar\u00eda Jos\u00e9 Moragas, is part of this committee<\/strong>. It was a highly productive gathering, with strategic planning discussions and a twofold focus: <strong>actions to strengthen support and synergies among all firms in the EMEA region (Europe, Middle East and Africa)<\/strong>, and the preparation of the DFK EMEA Conference 2026, which will take place in February in the city of Florence.<\/p>\n<p data-start=\"597\" data-end=\"836\">The sessions concluded with a visit to the magnificent Basilica of Santa Maria del Mar, an ideal occasion to strengthen ties among DFK International members, joined by other BNFIX colleagues who also attended: Carolina Mateo and Alba Pich.<\/p>\n<p data-start=\"838\" data-end=\"1221\" data-is-last-node=\"\" data-is-only-node=\"\">Participants in the Barcelona sessions included Francesco Nicolini, Elias Demetriou, Gerd Hegmann, Jonathan Brownson, Liz Matimu, Mar\u00eda Jos\u00e9 Moragas, Milos Mitric, Paul Grosjean, and Zoe Marsden (some of them pictured). On behalf of everyone at BNFIX, thank you for your time and for visiting us. It is always an honour to open our home to the great family that is DFK International.<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1qes4m2-0dbc464c0f371634048ea06a6bfc357c\">\n#top .hr.hr-invisible.av-1qes4m2-0dbc464c0f371634048ea06a6bfc357c{\nheight:100px;\n}\n<\/style>\n<div  class='hr av-1qes4m2-0dbc464c0f371634048ea06a6bfc357c hr-invisible  avia-builder-el-35  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-k2bo93-f9cb3931b829dbc11f69311fd845cf48 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h3><span style=\"color: #78d64b;\">Agenda and Collaborations<\/span><\/h3>\n<\/div><\/section>\n<section  class='av_textblock_section av-m2lvquqb-7c49121280832a7abf6f5a810c230ca1 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/ <span style=\"color: #000000;\">Verifactu Information Sessions (AO)<br \/>\n<\/span><\/span><\/h4>\n<hr \/>\n<p><a href=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/Presentacion-VERIFACTU-BNFIX-PICH.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-30817 size-medium\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu-300x168.jpg\" alt=\"\" width=\"300\" height=\"168\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu-300x168.jpg 300w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu-1030x578.jpg 1030w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu-768x431.jpg 768w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu-310x174.jpg 310w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu-450x253.jpg 450w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu-357x200.jpg 357w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/verifactu.jpg 1466w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><strong>Several professionals from BNFIX PICH\u2019s Tax and Legal departments have participated \u2014 and will continue to do so in the coming weeks (in Madrid, Barcelona, and online) \u2014 in informative sessions for members of the employers\u2019 associations we advise<\/strong>, with the aim of explaining and addressing questions about the new Verifactu invoicing system, which will come into force for companies on the first of January.<\/p>\n<p>The Barcelona Construction Guild, the Provincial Association of Service Stations of Barcelona, the Council of Industrial Technical Engineers, and the High Council of Architects of Spain (CSCAE) are some of the organisations that have already hosted, or will soon host, these sessions on a regulation that will affect a large number of self-employed workers and companies from next year.<\/p>\n<p style=\"text-align: right;\"><strong><span style=\"color: #78d64b;\">\u2139\ufe0f <span style=\"color: #000000;\">More information about the new invoicing system<\/span>, <a style=\"color: #78d64b;\" href=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/Presentacion-VERIFACTU-BNFIX-PICH.pdf\" target=\"_blank\" rel=\"noopener\">HERE<\/a><\/span><\/strong><\/p>\n<\/div><\/section>\n<section  class='av_textblock_section av-mh3lfc9y-3f4f22f5f5289687aa168e74f50c86b1 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/ <span style=\"color: #000000;\">We Discuss Workplace Absenteeism at the Construction Guild<br \/>\n<\/span><\/span><\/h4>\n<hr \/>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-30822 alignleft\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/absentisme-300x206.jpg\" alt=\"\" width=\"300\" height=\"206\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/absentisme-300x206.jpg 300w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/absentisme-310x213.jpg 310w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/absentisme-291x200.jpg 291w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/absentisme.jpg 338w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>Following the success of the session \u201cHow to Reduce Workplace Absenteeism?\u201d, organised last July by the Barcelona Construction Guild and Mutua Umivale Activa in an in-person format, a second session was held online on 30 October, with the participation of <strong>Jordi Altafaja<\/strong>, partner and head of the Labour Area. Once again, temporary incapacity was one of the topics that most interested attendees. Eduard Llopis and Pilar Anglada from Umivale also took part in the session.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<\/div><\/section>\n<section  class='av_textblock_section av-mh3lkmvf-629f20ead9387d8cd5e3c49661e30f09 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/ <span style=\"color: #000000;\">15 Years of the Mediterranean Diet as Intangible Cultural Heritage of Humanity<br \/>\n<\/span><\/span><\/h4>\n<hr \/>\n<p><a href=\"https:\/\/dietamediterranea.com\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-30827\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/dietamediterrania.jpg\" alt=\"\" width=\"191\" height=\"153\" \/><\/a>Our partner and president of the Economy Commission of Foment del Treball, Valent\u00ed Pich, took part on 17 November in the celebration of the 15th anniversary of the declaration of the Mediterranean Diet as Intangible Cultural Heritage of Humanity by UNESCO.<\/p>\n<p>He participated in an event organised by the Mediterranean Diet Foundation, specifically in a roundtable alongside key figures such as Jos\u00e9 Luis Bonet, president of the Spanish Chambers of Commerce.<\/p>\n<p>In addition to its many health and cultural benefits, the Mediterranean Diet is supported by a solid network of companies of varying sizes and characteristics, deeply rooted in the territory, generating social benefits, driving sustainability, and demonstrating remarkable resilience in the face of change and crisis.<\/p>\n<p style=\"text-align: right;\"><strong><span style=\"color: #78d64b;\">\u2139\ufe0f <span style=\"color: #000000;\">More information,<\/span> <a style=\"color: #78d64b;\" href=\"https:\/\/dietamediterranea.com\/\" target=\"_blank\" rel=\"noopener\">HERE<\/a><\/span><\/strong><\/p>\n<\/div><\/section>\n<section  class='av_textblock_section av-ru16lp-0a8c9d1e91cb40f0b78505e19bc9076e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/ <span style=\"color: #000000;\">Valent\u00ed Pich at the IFAC Annual Meeting<\/span><\/span><\/h4>\n<hr \/>\n<p><a href=\"https:\/\/www.ifac.org\/news-events\/2025-11\/global-accountancy-leaders-converge-mexico-city-shape-future-profession\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-30832 size-medium\" src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC-217x300.jpg\" alt=\"\" width=\"217\" height=\"300\" srcset=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC-217x300.jpg 217w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC-744x1030.jpg 744w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC-768x1064.jpg 768w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC-224x310.jpg 224w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC-450x623.jpg 450w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC-144x200.jpg 144w, https:\/\/pich.bnfix.com\/wp-content\/uploads\/2025\/11\/foto-presidents-CILEA-i-IFAC.jpg 1034w\" sizes=\"auto, (max-width: 217px) 100vw, 217px\" \/><\/a><\/p>\n<p><strong>Our partner Valent\u00ed Pich participated on 11 and 12 November, as president of CILEA<\/strong> (Latin Europe\u2013America Integration Committee), <strong>in the annual meeting of IFAC<\/strong> (International Federation of Accountants), held in Mexico City.<\/p>\n<p>The event addressed key topics such as the role of corporate accountants, their strategic relevance, and collaboration with external accountants and auditors to strengthen transparency and trust in the markets.<\/p>\n<p>(In the image, alongside Jean Bouquot, president of IFAC, the global organisation representing the accountancy profession.)<\/p>\n<p><strong><span style=\"color: #78d64b;\">\u2139\ufe0f <span style=\"color: #000000;\">More information,<\/span> <a style=\"color: #78d64b;\" href=\"https:\/\/www.ifac.org\/news-events\/2025-11\/global-accountancy-leaders-converge-mexico-city-shape-future-profession\" target=\"_blank\" rel=\"noopener\">HERE<\/a><\/span><\/strong><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-oastr9-c09d9100169d7a87dd0c56a71b61d154\">\n#top .hr.hr-invisible.av-oastr9-c09d9100169d7a87dd0c56a71b61d154{\nheight:100px;\n}\n<\/style>\n<div  class='hr av-oastr9-c09d9100169d7a87dd0c56a71b61d154 hr-invisible  avia-builder-el-41  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-14szfx6-4b89842ca2b45a69f2ba9c32710c7b63 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h3><span style=\"color: #78d64b;\">Press &amp; Publications<\/span><\/h3>\n<\/div><\/section>\n<section  class='av_textblock_section av-wlbkwq-b4533d9b205b137d8af171942570432b '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><hr \/>\n<h4><span style=\"color: #78d64b;\">\/ <\/span><strong data-start=\"43\" data-end=\"142\">&#8220;The Impact of Tariff Increases on the Spanish Economy. Trade Barriers Index 2025.&#8221;<br \/>\n<\/strong>Institute of Economic Studies and Tholos Foundation. October 2025<\/h4>\n<hr \/>\n<p>The latest study from the Institute of Economic Studies indicates that <strong>the impact of the new tariffs on Spain is moderate<\/strong>, amounting to between one and two tenths of GDP in 2025, and up to four tenths of GDP in 2026.<br \/>\nIn this context, Spain faces an increase in protectionism affecting its exports to the rest of the world, rising by around 10% in 2025 compared with 2019. Tariffs themselves \u2014 the most significant burden borne by Spanish companies \u2014 have risen by more than 13%, while non-tariff barriers for Spanish businesses have increased by 45% over the same period.<\/p>\n<p style=\"text-align: center;\"><strong><span style=\"color: #000000;\">Read the full report (in Spanish), <span style=\"color: #78d64b;\"><a style=\"color: #78d64b;\" href=\"https:\/\/www.ieemadrid.es\/es\/actualidad\/noticias-del-iee\/la-incidencia-en-la-economia-espanola-de-las-subidas-arancelarias\" target=\"_blank\" rel=\"noopener\">HERE<\/a><\/span><\/span><\/strong><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-oukdk7-27c8b00562e09c4d5ca1f160d6b94919\">\n#top .hr.hr-invisible.av-oukdk7-27c8b00562e09c4d5ca1f160d6b94919{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-oukdk7-27c8b00562e09c4d5ca1f160d6b94919 hr-invisible  avia-builder-el-44  el_after_av_textblock  el_before_av_icon_box '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<article  class='iconbox iconbox_top av-wcx8nl-a0fc5df262aa1457da1c8420b6fc5236  avia-builder-el-45  el_after_av_hr  avia-builder-el-last  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: Read our previous Newsletters\"><div class='iconbox_icon heading-color avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue84e' data-av_iconfont='entypo-fontello' title=\"Read our previous Newsletters\" desc=\"Read our previous Newsletters\" ><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='https:\/\/pich.bnfix.com\/en\/comunicacio\/newsletter\/' title='Read our previous Newsletters'  target=\"_blank\"  rel=\"noopener noreferrer\" >Read our previous Newsletters<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n","protected":false},"excerpt":{"rendered":"<p>With the days getting shorter and jackets regaining prominence, we present the October newsletter.<br \/>\n.<\/p>\n","protected":false},"author":2,"featured_media":24982,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[215],"tags":[659,195],"class_list":["post-30790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-newsletter-es-en","tag-news-en","tag-newsletter-en"],"_links":{"self":[{"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/posts\/30790","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/comments?post=30790"}],"version-history":[{"count":3,"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/posts\/30790\/revisions"}],"predecessor-version":[{"id":30838,"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/posts\/30790\/revisions\/30838"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/media\/24982"}],"wp:attachment":[{"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/media?parent=30790"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/categories?post=30790"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pich.bnfix.com\/en\/wp-json\/wp\/v2\/tags?post=30790"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}