The Spanish economy It will grow again this year above 2%<\/strong>, Although a slowdown trend is expected, GDP growth will be 2,4%<\/strong>, five tenths higher than expected in October, compared to 2,8%<\/strong> registered in 2025, according to economic forecasts of Funcas for Spain<\/strong>. The upward revision is mainly explained by the expansionary impulse from last year, which has been greater than expected (this carryover effect alone contributes three tenths of a percentage point to growth).<\/p>\n Following the acceleration of the economy in the fourth quarter of 2025, with a quarter-on-quarter increase in GDP of 0,8%<\/strong>, The few indicators available for January point to a cooling down at the beginning of 2026<\/strong>, especially in the service sector, possibly affected by adverse weather.<\/p>\n Funcas' forecasts are based on certain assumptions about macroeconomic policy and immigration, the latter being a crucial variable in explaining the expansionary cycle of the Spanish economy.<\/p>\n Regarding monetary policy<\/strong> The end of the interest rate cutting cycle is expected, so the deposit facility, the ECB's main benchmark, will remain at the 2% current until 2027<\/strong>.<\/p>\n Regarding immigration<\/strong>, Funcas estimates that the slowdown in the number of foreign assets will continue throughout the forecast period:<\/p>\n This hypothesis implies that the announced regularization process would only affect employment and not the inflow of foreign labor, at least in the short term.<\/p>\n Growth will be based on the domestic demand<\/strong>, whose contribution will be 3.1 points<\/strong>, One more than expected in October. The strong pull of private consumption<\/strong>, supported by job creation and, to a lesser extent, by a slight increase in real wages.<\/p>\n The investment will advance<\/strong>, due to the recovery of housing construction and the need to accelerate the execution of the remaining European funds.<\/p>\n For his part, the The external sector will detract 0.7 points<\/strong> GDP growth due to weakening exports, in a context of global trade tensions, and, at the national level, loss of competitiveness of some tourist destinations.<\/p>\n The slowdown in tourism, fiscal expansion from European funds, and population growth will become more noticeable starting next year. Consequently, in 2027<\/strong> the Spanish economy will grow 1,8%<\/strong>, one tenth more than in the previous forecast.<\/p>\n The pull of domestic demand explains the persistence of the Inflation around 2.51% of 3% of the year<\/strong> This year, while the eurozone average would fall below 21TP3Q, indicating a certain loss of competitiveness. The unfavorable differential will persist in 2027, although somewhat less pronounced, due to the moderation of domestic demand.<\/p>\n Growth will bring with it the creation of more than 800,000 jobs<\/strong> in the next two years, allowing a decrease in the unemployment rate up to 9%<\/strong>, 0.2 percentage points lower than the October forecast. In addition to the economy's own dynamism, the immigrant regularization process will also lead to increased employment.<\/p>\n Economic growth will also improve budget imbalances. The public deficit would fall to 2.31% of the 3% of the year.<\/strong> of GDP in 2026, with a very slight improvement in 2027 due to the slowdown in growth. By the end of that year, the public debt<\/strong> It would still be located in the 97,8%<\/strong>.<\/p>\n The main upside risk<\/strong> Growth is concentrated on household consumption, which could be boosted by a more intense influx of foreign population than expected and by a different evolution of the savings rate than anticipated.<\/p>\n Downside risks<\/strong> These factors stem, once again, from international uncertainty. Domestically, business investment continues to be constrained by this context and by the depletion of European funds. Furthermore, tourism could be further affected by the ongoing decline in competitiveness.<\/p>\n To start a business means to embark on a new project with enthusiasm, but also, why not say it, new concerns and risks<\/strong>. For this reason, it is important to know what the most common barriers are for an entrepreneur and how to overcome them so that the entrepreneurial adventure is a success.<\/p>\n Our country is especially dynamic from a business point of view<\/strong>, Given the volume of business creation and dissolutions recorded monthly by the INE (National Institute of Statistics), we are therefore witnessing a significant turnover of newly formed and dissolved companies.<\/p>\n The truth is that in Spain already We have far exceeded the 3 million active business mark<\/strong>, This gives us a clear idea that entrepreneurial spirit in our country is fully consolidated.<\/p>\n However, it is also necessary to highlight some common problems faced by entrepreneurs in our country that can hinder this business dynamism if appropriate corrective mechanisms are not adopted. In this regard, according to a study by CaixaBank<\/strong>, a triangle of difficulties<\/strong> that entrepreneurs perceive when starting their businesses: taxation, financing and procedures<\/strong>.<\/p>\n Indeed, the joint report prepared by CEOE and GAD3<\/strong> places the taxes as the main barrier<\/strong>, indicated by the 87%<\/strong> of the entrepreneurs, along with the financing (77%)<\/strong> and the bureaucracy (77%)<\/strong>.<\/p>\n On the other hand, the report GEM Spain 2024\u20132025<\/strong>, When analyzing why entrepreneurial activities are abandoned, it shows that only a limited percentage of closures are directly attributed to taxes and bureaucracy. In this case, factors such as [the following] carry more weight. product-market fit<\/strong> (product fit in the market) poor, as well as the lack of management skills<\/strong> wave poorly planned financing<\/strong>.<\/p>\n That same idea appears in the South Summit Entrepreneurship Map<\/strong>, Among the causes of failure reported by entrepreneurs, product-market mismatch is the most prominent, along with lack of funding and poor team selection.<\/p>\n Undoubtedly, the The risks of starting a business are varied.<\/strong> And among them is also the lack of experience<\/strong>. Being new to a business will require learning everything from the procedures and current regulations applicable to the activity to be undertaken, as well as having a prior knowledge base on financial, tax or personnel management.<\/p>\n Often aspects such as lack of market knowledge<\/strong>, the lack of adequate sources of funding<\/strong> or the design of unrealistic marketing strategies<\/strong> can seriously jeopardize the viability of starting a new business.<\/p>\n To overcome this barrier, it is often necessary invest in business education beforehand<\/strong> that allows for the design of an appropriate roadmap from the outset.<\/p>\n Given the most common barriers to starting a business, the guide is interesting to read. CaixaBank<\/strong> on how to start a business in Spain without falling into the most common mistakes:<\/p>\n 1. Reduce regulatory friction<\/strong><\/p>\n Although the general regulatory framework does not depend on the entrepreneur, planning and taking well-informed legal steps do. Register the trademark, protect the intellectual property<\/strong> When applicable, knowing the sector regulations from the beginning can save months in the market launch.<\/p>\n 2. Financing: think in stages, mix instruments, and don't be late<\/strong><\/p>\n If the goal is to start a business from scratch, it's advisable to map out a realistic financial map<\/strong>How much capital do you need until your company's next "proof of life" (validated minimum viable product, first sales, retention metrics), what are the timeframes, and what sources will fund it? Above all, it's necessary consider all existing funding options<\/strong>, which are many.<\/p>\n 3. Key capabilities: from product to market<\/strong><\/p>\n If the product-market fit<\/strong> If it falters, no financial structure will save the project. The evidence cited shows that market adjustment and the team are key to success.<\/p>\n The social networks<\/strong> They have become an essential channel for small and medium-sized enterprises and self-employed professionals. However, many entrepreneurs don't know where to start or make mistakes that limit their effectiveness. For this reason, it is important to have a few general guidelines of conduct<\/strong> that enable you to take full advantage of the potential of social media as part of your digital marketing strategy.<\/p>\n In Spain, around 40 million people<\/strong> They actively use social media. This represents a huge opportunity<\/strong> to connect with potential customers, with the goal of expanding the reach and visibility of your business.<\/p>\n Unlike traditional advertising, social media allows bidirectional communication<\/strong> and one precise segmentation<\/strong>. Businesses can answer questions, solve problems, and receive feedback in real time, which also improves customer satisfaction and builds stronger relationships.<\/p>\n Abandoning social media is not an option.<\/strong>, especially considering that it has been established that 71% of the consumers<\/strong> Those who have a positive experience with a brand on social media will recommend it. Not being present means losing those recommendations and, therefore, giving ground to the competition.<\/p>\n Another significant benefit of social media is its ability to perform real-time market research<\/strong>. On the other hand, social media has become a vital channel for the continuous customer service<\/strong>.<\/p>\n Consumers are increasingly turning to companies' social media channels to ask questions, voice complaints, and seek technical support. Companies that can respond effectively fast and effective<\/strong> These consultations not only improve customer satisfaction, but can also turn negative situations into positive experiences, demonstrating their commitment to excellence in service.<\/p>\n All of this has an ultimate goal of great value to the entrepreneur: strengthen a brand's reputation<\/strong>.<\/p>\n In order to facilitate the effective implementation of social media positioning strategies, the Association of Self-Employed Workers<\/strong> It includes a guide, focused on the content planning and creation<\/strong>.<\/p>\n This guide highlights that social networks can increase traffic<\/strong> that your website receives and constitute a essential sales tool<\/strong>.<\/p>\n He Social Media Content Plan<\/strong> It should be part of your overall marketing strategy; and it should include the use of various types of content, such as videos, photographs, blogs, and content developed exclusively for stories.<\/p>\n Social Media Content Plans are necessary because they help you see all the types of content you share over time and help you plan your marketing strategy.<\/p>\n 1. Know your audience<\/strong><\/p>\n It will help you decide what types of posts will work best and choose the most suitable social media platforms. Some of the factors you should identify about your target audience are the age, gender, education, location<\/strong>, etc.<\/p>\n 2. Set goals<\/strong><\/p>\n Some objectives might be: Improve brand awareness, generate website traffic, and drive sales growth<\/strong> wave lead generation<\/strong>.<\/p>\n 3. Analyze your competition<\/strong><\/p>\n If your competition uses social media successfully, study what content works well for them, but you should always make sure your posts are relevant. exclusives<\/strong>.<\/p>\n 4. Gather content<\/strong><\/p>\n Your brand likely already has some content created for marketing use. Analyze what you can reuse for social media<\/strong>.<\/p>\n 5. Create a calendar<\/strong><\/p>\n Proper planning of your social media posts in advance will allow you save time<\/strong>.<\/p>\n 6. Evaluate the content<\/strong><\/p>\n Analyze which types of posts work well and generate more interaction with your target audience<\/strong>.<\/p>\n Companies must often create business presentations<\/strong> as supporting documentation for their salespeople. For this reason, it is crucial to know how to structure these types of presentations. A presentation can be a salesperson's greatest ally in achieving a closing of sale<\/strong> in a meeting with a client, or even at an exhibition in front of several potential buyers.<\/p>\n In the business world, what matters is How do you sell your ideas?<\/strong>, It's not necessarily the ideas themselves. You can have the best concept in the world, but if you can't convince people that it will bring them benefits, your innovative idea may fail.<\/p>\n As a starting point, it is necessary to consider two questions before planning a sales presentation:<\/p>\n 1. Do you know who you are addressing?<\/strong><\/p>\n Before we begin, Analyze your potential customers<\/strong>. Understand their specific needs, problems, and expectations. Personalization is key to creating an immediate connection. You have to understand your audience, feel the rhythm of their needs, and adapt your presentation accordingly.<\/p>\n 2. Do you know your competition?<\/strong><\/p>\n Similarly, it's essential to know what the competition offers. So, also beforehand, conduct a thorough analysis of your competitors<\/strong>. Identify your strengths and weaknesses to highlight your product's differentiating factors. Typically, the clients and potential clients you'll be presenting to are familiar with the overall market, so it's important to understand the competition to analyze why you're the best option.<\/p>\n If you have these initial assumptions clear, remember that, in practice, when you give a sales presentation you will have little time to capture attention<\/strong> Capturing the potential customer and achieving that connection is an increasingly complex challenge for companies and brands. Product presentation must be convincing<\/strong> and present an argument strong enough to attract public attention.<\/p>\n Next, we will refer to some basic guidelines<\/strong> that you should take into consideration:<\/p>\n 1. Define the objective of your presentation event<\/strong><\/p>\n Depending on the content and objective, you will need to plan the presentation venue, the design, and the people who will attend.<\/p>\n 2. Brief introduction of the company<\/strong><\/p>\n When introducing your company, briefly describe the main services or products it provides to customers. If you have any specific advantage over the competition<\/strong>, Communicate this to your customers. Make them aware of your experimentation and training. Share your success stories<\/strong>.<\/p>\n 3. Focus on the customer's needs<\/strong><\/p>\n Try to be the most as concise as possible<\/strong>.<\/p>\n 4. Focus the presentation on the benefits<\/strong><\/p>\n Focus the presentation on the benefits or advantages<\/strong> of the product or service you offer and not so much in its characteristics.<\/p>\n 5. If you are going to use a supporting graphic presentation, follow the 10-20-30 rule<\/strong><\/p>\n Today, people have increasingly shorter attention spans. Therefore, it is reasonable to use the rule of 10 slides, 20-minute presentation<\/strong> and that the minimum font size should be 30<\/strong>.<\/p>\n 6. Use easy-to-read graphics<\/strong><\/p>\n Use easy-to-read and understand graphics and do not use more data or figures than are strictly necessary.<\/p>\n 7. Create a script or story<\/strong><\/p>\n Create a script or story<\/strong> aimed at connecting with, convincing, and mobilizing an audience, going beyond the simple transmission of data or information. Narrative techniques that seek to appeal to the audience are often useful. emotions and values<\/strong> to create a lasting bond.<\/p>\n 8. Help the customer visualize themselves with the product or service<\/strong><\/p>\n It's not enough to simply say how good the product is. Nor is it enough to explain the advantages it offers the user and have them imagine, above all, the future<\/strong>.<\/p>\n Don't forget to show enthusiasm<\/strong>, because the goal of a presentation is to create a good connection.<\/p>\n WE HAVE THE ANSWER TO YOUR NEEDS<\/span><\/p><\/blockquote>\n IL Coworking & Legal Services<\/strong> It was created with the aim of providing you with a unique, modern workplace adapted to your needs.<\/p>\n Our space in the Madrid city centre<\/strong> It's the ideal place to make your needs a reality.<\/p>\n In addition, we offer you countless optional support services<\/strong>, whether it be administrative in nature or advice on accounting or tax matters, as well as legal guidance on commercial matters or legal assistance in other areas of law.<\/p>\n We offer a variety of spaces tailored to your needs:<\/strong><\/p>\n Get in touch with us<\/strong><\/p>\n He Treasury<\/strong> has announced an update to the current personal income tax deduction to align the tax system with the new increase in Minimum Interprofessional Wage (SMI)<\/strong>. Following the recent approval of a minimum wage for 2026 1,221 euros per month<\/strong> In fourteen payments, the Executive will implement a tax review intended to ensure that recipients of these incomes do not have to pay the corresponding tax portion.<\/p>\n The measure is structured as a tax cut<\/strong> in terms of deductions that will practically benefit taxpayers with gross income less than 20,000 euros per year<\/strong>.<\/p>\n Although the minimum wage is set at 17,094 euros per year<\/strong>, The Treasury has extended the benefit up to the threshold of 20,000 euros<\/strong> to correct the so-called \u00ab"jump error"\u00bb<\/strong>, preventing a gross salary increase from resulting in a lower net profit due to withholding.<\/p>\n As happened in 2025, the Ministry of Finance has opted to create a deduction<\/strong> that allows these workers to recover what they have contributed throughout the year when filing their income tax return, instead of equating the minimum exemption from paying personal income tax to the new minimum wage, as had happened until 2024.<\/p>\n The formula chosen by the Ministry of Finance implies that each month A portion of the payroll will be withheld<\/strong> of the workers who have this salary and who They will only get it back if they file an income tax return.<\/strong>, which they are not obligated to do with this salary level.<\/p>\n He Central Economic-Administrative Court (TEAC)<\/strong> has recalled in a recent resolution that Article 170.3 of the General Tax Law<\/strong> It establishes a specific list of grounds for opposition to seizure proceedings, including the extinction or prescription of the debt<\/strong>, the lack of notification of the enforcement order<\/strong>, he non-compliance with the regulations governing the embargo<\/strong> and the suspension of the collection procedure<\/strong>. Outside of these cases, it is not possible to validly challenge an attachment order.<\/p>\n Regarding the claimant's allegation concerning the impossibility of partially maintaining an attachment order when some of the debts included have been cancelled or extinguished, the Court applies its consolidated doctrine<\/strong>.<\/p>\n The Court clarifies that the accumulation of several debts in the same seizure<\/strong> is in accordance with the law (art. 75.3 of the General Collection Regulations) and that the The nullity or partial extinction of one debt does not affect the validity of the others.<\/strong>.<\/p>\n Thus, according to the TEAC, the execution should only be adjusted to exclude the amounts corresponding to the cancelled debt., preserving the effectiveness of the act with respect to the remaining debts<\/strong>.<\/p>\n This criterion is based on the principle of preservation of administrative acts<\/strong> (Art. 64.2 of Law 30\/1992), which establishes that partial nullity does not invalidate the entire act when the independent parts subsist and are enforceable.<\/p>\n According to this doctrine, the accumulation of several debts in a single attachment proceeding is lawful, and the annulment or extinction of any one of them does not affect the validity of the act as a whole. In application of the principle of preservation of administrative acts, the proceeding may to remain with respect to outstanding debts<\/strong>, although the execution must be limited to the amount actually due.<\/p>\n The Court also addresses the allegation of lack of justification for the seizure order. It is argued that the necessary motivation<\/strong> For this type of action, it consists of explaining that the seizure is carried out due to the existence of outstanding debts in the enforcement period, after the expiration of the enforcement order.<\/p>\n It is not required to detail the legal basis of the debt again, since this is already contained in the liability transfer agreement, which is the original act that established the taxpayer's obligation. Therefore, the appealed act is considered sufficiently motivated<\/strong>.<\/p>\n In conclusion, the contested seizure order from which this recent TEAC resolution arises complies with the legal requirements of motivation, validity and effectiveness<\/strong>. Its maintenance is in accordance with the law, even when some of the included debts have been extinguished or prescribed, adjusting the execution only to the amount of the valid debts and respecting the acts interrupting prescription already documented.<\/p>\n He closing of the registration sheet<\/strong> It is an administrative sanction that consists of refusing to register any act of a company in the Commercial Registry. It is essential to understand that this is a temporary closure<\/strong> The closure of the company's registry entry can be reversed once the underlying cause is rectified. However, closing the registry entry prevents the formalization of most corporate changes.<\/p>\nRecent economic developments<\/h4>\n
Assumptions of the forecasts<\/h4>\n
\n
Engines of growth<\/h4>\n
Forecasts for 2027<\/h4>\n
Inflation<\/h4>\n
Employment<\/h4>\n
Public deficit<\/h4>\n
Risks<\/h4>\n
ENTREPRENEURSHIP<\/h2>\n
How to overcome the barriers faced by a new entrepreneur<\/h3>\n
Business dynamism in Spain<\/h4>\n
The triangle of difficulties<\/h4>\n
Causes of business failure<\/h4>\n
Lack of experience<\/h4>\n
A guide to starting a business without mistakes<\/h4>\n
DIGITAL MARKETING<\/h2>\n
Social media and positioning of your business<\/h3>\n
Opportunity of social networks<\/h4>\n
Importance of being present<\/h4>\n
Additional benefits<\/h4>\n
Social Media Content Plan<\/h4>\n
Basic aspects for creating a Content Plan<\/h4>\n
SALES TECHNIQUES<\/h2>\n
How to secure sales with a good sales presentation?<\/h3>\n
The importance of knowing how to sell ideas<\/h4>\n
Preliminary issues<\/h4>\n
Limited time to capture attention<\/h4>\n
Basic guidelines<\/h4>\n
Coworking in the centre of Madrid<\/h3>\n
Work your way at IL COWORKING<\/h3>\n
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CURRENT TAX<\/h2>\n
Income tax reduction for taxpayers earning less than 20,000 euros<\/h3>\n
Scope of the measure<\/h4>\n
Application formula<\/h4>\n
A seizure order remains partially in effect when any of the debts included in it have been cancelled.<\/h3>\n
TEAC Doctrine<\/h4>\n
Principle of conservation<\/h4>\n
Motivation for the action<\/h4>\n
Conclusion<\/h4>\n
TODAY COMMERCIAL<\/h2>\n
Consequences of the registry closure with regard to the registration of acts<\/h3>\n
Causes of the registry closure<\/h4>\n