Holded: Cloud-Based Business Management Platform for SMEs
Holded is a cloud-based platform designed for small and medium-sized businesses to manage their entire operation in one place. It allows controlling invoicing, accounting, inventory, projects, human resources, and CRM in an integrated way, without depending on multiple tools. Founded in Barcelona and part of the Visma group since 2021, Holded combines accounting automation, business intelligence, and tax compliance with an intuitive design, designed for entrepreneurs and small teams.
Founded in Barcelona and part of the Visma group since 2021, Holded is one of the few cloud-based ERP platforms designed specifically for SMEs and freelancers: it brings together invoicing, accounting, treasury, inventory, projects, human resources, and CRM in a single platform, without the complexity or cost of traditional systems. It is built so that small teams can fully digitalise their operations without relying on multiple tools or requiring advanced technical knowledge.
AgentAya Verdict
Holded is a comprehensive solution well-adapted for business management: electronic invoicing prepared for compliance, accounting automation, and extensive banking connections. Its proposition shines when an SME wants to unify finances, sales, and operations without deploying multiple apps.
Limitations: fiscal localization is centered on specific markets; for purely international operations with obligations outside the EU, it may require additional advisory support or integrations.
Recommendation: for SMEs and freelancers who prioritize compliance, simplicity, and real automation, Holded fits outstandingly.
Score Breakdown
| Category | Score | Description |
| Features and Functionality | 4.7/5 ⭐⭐⭐⭐⭐ | Modules for invoicing, accounting, inventory, projects, HR, and CRM in one environment. |
| Integrations | 4.6/5 ⭐⭐⭐⭐⭐ | Shopify, WooCommerce, Amazon, Stripe, PayPal, Google Drive, Dropbox, Zapier, and API with webhooks. |
| Language and Support | 4.5/5 ⭐⭐⭐⭐✩ | Interface and help in multiple languages; support via chat, academy, and webinars. |
| Ease of Use | 4.7/5 ⭐⭐⭐⭐⭐ | Modern interface, guided flow, short learning curve. |
| Value for Money | 4.4/5 ⭐⭐⭐⭐✩ | Scalable plans with free trial and optional add-ons. |
AgentAya Overall Score: ⭐⭐⭐⭐⭐ 4.6 / 5
Solid for SMEs requiring compliance and automation without complexity.
Ideal for:
- Freelancers and SMEs looking for a single solution for administrative and accounting management.
- Accounting firms collaborating with clients through the cloud.
Not ideal for:
- Large companies requiring advanced ERP systems.
- Companies requiring country-specific configurations outside primary markets.
Holded Main Features
Holded is specifically designed for small and medium-sized businesses that need comprehensive management without advanced technical knowledge. Its visual environment, task automation, and fiscal localization allow an SME to manage its business efficiently from day one.
- Complete electronic invoicing: Customizable templates, recurring invoices, payment reminders, client portal, online payments (card, PayPal, Stripe), and compliant files. Saves hours of management and accelerates collection.
- Automated accounting: Each invoice generates entries; period locking; real-time reports; common tax forms with submission or export. Reduces errors and manual work.
- Banking connection and treasury: Synchronization with European banks, suggested reconciliation and automatic rules; cash flow forecasts and objectives. Anticipates liquidity needs.
- Inventory: Simple and variant products, serial numbers, multiple warehouses, price lists, purchase orders, and delivery notes. Avoids stockouts and improves margins.
- Projects: List, Kanban, and Gantt views; time and profitability control per task/project. Prioritizes work with higher returns.
- HR: Geolocated time tracking, absences, documents, and payroll; employee “zone.” Organizes team management.
- CRM: Customizable pipeline, calendar, activities, and notes linked to sales and invoicing. Closes opportunities with financial context.
- Holded Wallet: an integrated business account with a native IBAN for sending and receiving transfers. Businesses can accept card payments directly within Holded, with automatic reconciliation between each payment and its corresponding invoice. It eliminates reliance on external payment gateways and consolidates all treasury management in one place.
- Digital signatures: clients can sign documents directly from the Client Portal, without printing or scanning. Real-time status tracking (pending, signed, or expired) and instant notifications at each step of the process are included.
- Demo account: an isolated test environment for exploring features, creating documents, and running workflows without affecting live business data. It can be reset at any time, and all users are automatically copied with full admin permissions.
AI Functions
Holded’s approach to AI is not conversational but operational: intelligence embedded in accounting and administrative workflows.
The OCR scanner digitises receipts and incoming invoices, extracting key data to log expenses in seconds. As of February 2026, scanning is unlimited across all plans at no additional cost. The platform suggests reconciliations between bank transactions and documents, learns from previous actions, and generates accounting entries automatically. Real-time reports and alerts on due dates or anomalies reduce the risk of errors.
For accounting firms, Holded provides a centralised intelligent scanner for processing the entire client portfolio from a single portal. The AI identifies suppliers, dates, amounts, and taxes; proposes the correct entry for each invoice; and detects potential duplicates before posting. The professional reviews and approves, and the AI handles execution. The solution is compatible with any external accounting software the client may use. The intelligence is operational, focused on eliminating repetitive tasks and keeping accounting consistent, rather than on chatbots.
Integrations
The Holded Store brings together over 200 ready-to-activate integrations.
- E-commerce: Shopify, WooCommerce, PrestaShop, and Amazon.
- Payments: Stripe, PayPal, and Square.
- Productivity: Google Drive, Dropbox, and Zapier.
- Expenses: Pleo, among others.
Banking connectivity covers more than 300 institutions, enabling automatic reconciliation at scale. For custom development, Holded provides a REST API with OpenAPI specification, real-time webhooks with retry logic, and official SDKs for TypeScript, Python, Go, and PHP. An MCP server is also available, allowing teams to connect Holded with LLM agents such as Claude or Cursor with minimal setup.
Security and Data Compliance
Holded operates with TLS/HTTPS encryption in transit and maintains practices aligned with GDPR. The Data Processing Agreement (DPA) is available in the client account. The platform allows granular access control by role and recommends multi-factor authentication.
Regarding data ownership, the client retains ownership of their information; Holded processes it to provide the service and offers export and deletion tools upon ending the relationship. Hosting is done on European infrastructure with provider security standards and Visma group policies. For model training, Holded focuses on operational automation; it’s not communicated that client data is used for purposes outside the service without applicable legal basis and consent.
Interface Language and Support
Holded offers complete support in multiple languages, both in the interface and documentation.
Users can configure both languages separately:
- Interface: Can be changed from My Profile > Language, allowing navigation of the entire platform in your preferred language.
- Documents: From Settings > Account > Preferences > Language, it’s possible to define the default language for invoices and other documents without altering existing information (account names, concepts, etc.).
This flexibility allows, for example, working with the interface in one language and generating documentation in another, or vice versa. The support team is also available in multiple languages via chat, offering direct attention to SMEs and freelancers. Additionally, documentation, tutorials, and webinars are translated and localized for international audiences.
AI Language
Automations work naturally in multiple languages: OCR recognizes local documents, accounting categorization is based on standard accounting plans, and local tax forms are integrated. A conversational AI assistant is not offered, as the focus is on advanced automations behind processes.
Mobile Access
Native apps are available for iOS and Android. On mobile, users can issue invoices, record expenses with photos, check dashboards, and interact with clients. As of May 2026, the app includes offline documents (invoices and quotes can be created without an internet connection), supervisor notifications when a team member requests time off, and a customisable navigation bar that lets each user reorder, hide, or show features as needed. Some advanced configurations are better handled from desktop, but day-to-day operations are fully supported on mobile.
Support, Onboarding Process, and Account Management
Guided onboarding shows initial steps to issue the first invoice, connect banks, and configure taxes. Holded’s academy offers tutorials and articles segmented by module. There are live and recorded webinars, and a network of partners (advisories) that provide assisted implementation. Suitable for SMEs with little technical experience.
Holded also works with a network of over 400 partner advisory firms that provide assisted implementation and delegated accounting management for businesses that prefer to outsource that function.
Ease of Use
UX is one of its strong points: modern design, clear navigation by modules, and contextual help. A user without accounting training can produce value in a few days: issue invoices, record expenses, and view basic indicators. Accountants find advanced functions without obstructing the non-expert user.
Pricing and Plans
Holded offers scalable plans with a free trial, no credit card required, so you can explore the platform before choosing the most suitable option. All plans include access for the business’s accountant or adviser at no additional cost.
Plans are organised by user profile: freelancers (Plus, Basic, and Standard), small businesses of up to ten people (Basic, Standard, and Advanced), medium-sized businesses with more than ten employees (Standard and Advanced), and accounting firms with a dedicated plan for practices managing multiple client portfolios.
The platform can also be extended with optional add-on modules (Gemas) that activate independently: inventory, payroll, point of sale, manufacturing, Holded Wallet, digital signatures, SII, and others. Plans can be changed at any time, and Holded notifies automatically if a plan’s limits are exceeded.
Holded allows changing plans at any time, either from the subscription panel or by contacting the support team via chat. If limits are exceeded (such as number of users or invoices), the platform automatically notifies and offers the possibility to upgrade without interruptions.
Case Study
Ventanas Arian, a company with deep roots in traditional window manufacturing, needed to modernise its administrative operations. Together with their trusted advisory firm, Exentys Asesores, they found in Holded the right tool to work in an integrated, real-time environment.
Before adopting Holded, management was fragmented: documents were exchanged manually between the business and its advisers, slowing down decision-making and making financial oversight difficult. With Holded, both parties share financial data in real time, with accounting always up to date and regulatory compliance assured through Verifactu integration. The result: real-time financial visibility, seamless collaboration between business and advisory firm, and the confidence of always meeting current regulatory requirements.
You can read the full case study here.
Holded vs Alternatives
| Holded | Zoho Books | |
| Main focus | All-in-one ERP: invoicing, accounting, treasury, inventory, HR, and CRM in a single platform | Accounting software with complementary modules integrated into the Zoho ecosystem |
| Fiscal localisation | Native Spanish compliance: Verifactu, TicketBAI, SII, tax forms, and official AEAT partner | Multi-country tax compliance across Spanish-speaking markets: Spain, Mexico, Colombia, Chile, and others |
| Target market | SMEs and freelancers operating in Spain | Spanish-speaking SMEs with operations across multiple countries |
| Integrations | Over 200 integrations; REST API, webhooks, SDKs, and MCP server | Zoho ecosystem (CRM, Analytics, Projects, People, and others) plus Stripe, PayPal, Zapier, and Make |
| AI and automation | Unlimited OCR, automatic journal entries, intelligent reconciliation, and centralised scanner for accounting firms | Zia: receipt scanning, automatic transaction categorisation, cash flow predictions, and automatic reports |
| Add-on modules | Independently activated Gemas (inventory, payroll, POS, Holded Wallet, digital signatures, and others) | Modules within the Zoho ecosystem (Inventory, Expense, People, and others) |
| Support | Chat, Academy, webinars, and a network of over 400 partner advisory firms | Chat, email, knowledge base, Academy, and webinars; no direct phone support |
| Best if… | You operate in Spain and prioritise native tax compliance, integrated management, and unified tools | You manage operations across multiple Spanish-speaking countries or already work within the Zoho ecosystem |
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Frequently Asked Questions (FAQs)
Is Holded good for SMEs?
Yes. It centralizes invoicing, accounting, and operations, automates tasks, and helps comply with local regulations, reducing costs and errors.
Does it support multiple languages in interface and support?
Yes. Interface, materials, and support in multiple languages, with integrated chat, Academy, and webinars.
Does Holded’s AI work in multiple languages?
Yes. AI/automation operates “behind the scenes” with OCR and accounting rules oriented to local environments. There’s no conversational assistant; the focus is productivity.
What integrations does it offer?
E-commerce (Shopify, WooCommerce, PrestaShop, Amazon), payments (Stripe, PayPal), productivity (Drive, Dropbox, Zapier), expenses (Pleo), API with webhooks, and more.
What plans exist and how do I start?
There are tiered plans, free trial, and optional add-ons. You can start with the trial, import data, and scale as you grow.