[{"data":1,"prerenderedAt":5284},["ShallowReactive",2],{"de-blog/zahlungsverzug":3,"de-global-content":1199,"de-article-global-content":2568,"de-blog-article-more-articles-undefined":2823,"de-blog-article-more-articles-298302323":5279},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1186,"full_slug":1187,"sort_by_date":24,"position":1188,"tag_list":1189,"is_startpage":27,"parent_id":1190,"meta_data":24,"group_id":1191,"first_published_at":1192,"release_id":24,"lang":31,"path":24,"alternates":1193,"default_full_slug":1194,"translated_slugs":1195},"Zahlungsverzug – und 7 Tipps, wie er sich vermeiden lässt","2023-04-26T13:59:16.272Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:55.507Z",298302323,"91eb7271-70be-4b96-8735-b02bebe51ab2",{"_uid":11,"roles":12,"title":4,"author":41,"topics":81,"content":82,"category":1079,"language":1104,"component":1092,"heroMedia":1105,"sidebarCta":1113,"publishedAt":1114,"readingTime":1115,"redirectUrl":52,"listingImage":1116,"metaDescription":1117,"componentsAfterTheArticle":1118},"b30ca793-ea24-4d99-9808-c65c49b45bc3",[13],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":22,"full_slug":23,"sort_by_date":24,"position":25,"tag_list":26,"is_startpage":27,"parent_id":28,"meta_data":24,"group_id":29,"first_published_at":30,"release_id":24,"lang":31,"path":24,"alternates":32,"default_full_slug":33,"translated_slugs":34,"_stopResolving":40},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":20,"name":14,"component":21},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","tag","finance-manager","de/blog/role/finance-manager",null,0,[],false,190903385,"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z","de",[],"blog/role/finance-manager",[35,37,38],{"path":33,"name":24,"lang":36,"published":24},"fr",{"path":33,"name":24,"lang":31,"published":24},{"path":33,"name":24,"lang":39,"published":24},"es",true,{"name":42,"created_at":43,"published_at":6,"updated_at":44,"id":45,"uuid":46,"content":47,"slug":68,"full_slug":69,"sort_by_date":24,"position":70,"tag_list":71,"is_startpage":27,"parent_id":72,"meta_data":24,"group_id":73,"first_published_at":74,"release_id":24,"lang":31,"path":24,"alternates":75,"default_full_slug":76,"translated_slugs":77,"_stopResolving":40},"Isabelle Beyer","2022-10-19T17:44:12.668Z","2026-03-12T10:47:22.708Z",206168000,"5b8f9808-4cec-4117-b1f7-1fb63364deeb",{"_uid":48,"name":42,"links":49,"picture":50,"lastName":56,"component":57,"firstName":58,"description":59},"48fe3a4a-defa-4699-a21e-0fd78acc900d",[],{"id":51,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":53,"copyright":52,"fieldtype":54,"meta_data":55,"is_external_url":27},19031456,"","https://a.storyblok.com/f/146026/2316x3088/fd195b6b2d/isabelle_author-pic.jpeg","asset",{},"Beyer","author","Isabelle",{"type":60,"content":61},"doc",[62],{"type":63,"content":64},"paragraph",[65],{"text":66,"type":67},"Isabelle ist Senior Content Managerin bei Spendesk. Mit über fünf Jahren Erfahrung in der deutschen Tech-Branche – insbesondere in den Bereichen FinTech, InsurTech und E-Commerce – beleuchtet sie aktuelle Entwicklungen und Trends, die Unternehmen jeder Größe dabei helfen, effizienter zu arbeiten.","text","isabelle-beyer","de/blog/author/isabelle-beyer",-1020,[],176408854,"222c1a40-93c3-4aac-9607-a206b5d130b6","2022-11-02T15:25:39.435Z",[],"blog/author/isabelle-beyer",[78,79,80],{"path":76,"name":24,"lang":36,"published":24},{"path":76,"name":24,"lang":31,"published":24},{"path":76,"name":24,"lang":39,"published":24},[],{"type":60,"content":83},[84,116,145,154,165,172,182,231,239,248,258,334,381,389,396,449,457,475,482,495,513,530,547,564,572,601,608,621,696,704,732,739,804,811,819,826,844,852,879,886,894,901,909,916,924,945,953,960,968,975,983,1010,1041,1074],{"type":63,"content":85},[86,93,100,105,111],{"text":87,"type":67,"marks":88},"Wenn ein ",[89],{"type":90,"attrs":91},"textStyle",{"color":92},"rgb(55, 65, 81)",{"text":94,"type":67,"marks":95},"Zahlungsverzug",[96,98],{"type":97},"bold",{"type":90,"attrs":99},{"color":92},{"text":101,"type":67,"marks":102}," auftritt, kann dies sowohl für das Unternehmen, das die Dienstleistung erbringt, als auch für die Kund:innen selbst ein erhebliches Problem darstellen. Er kann zu finanziellen Schwierigkeiten, einem schlechten Ruf und sogar zu rechtlichen Konsequenzen führen. Um Zahlungsverzögerungen von vornherein zu vermeiden, stellen wir Ihnen ",[103],{"type":90,"attrs":104},{"color":92},{"text":106,"type":67,"marks":107},"7 nützliche Tipps ",[108,109],{"type":97},{"type":90,"attrs":110},{"color":92},{"text":112,"type":67,"marks":113},"vor. ",[114],{"type":90,"attrs":115},{"color":92},{"type":63,"content":117},[118,123,140],{"text":119,"type":67,"marks":120},"Bevor wir jedoch zu den Details kommen, möchten wir Ihnen einige allgemeine Informationen über Zahlungsverzögerungen präsentieren. Wir werden erklären, was ein Zahlungsverzug ist, welche Konsequenzen er haben kann und aus welchen Gründen es dazu kommen kann, dass ein Schuldner (",[121],{"type":90,"attrs":122},{"color":92},{"text":124,"type":67,"marks":125},"Debitor",[126,138],{"type":127,"attrs":128},"link",{"href":129,"uuid":130,"anchor":24,"target":131,"linktype":132,"story":133},"/de/glossary/debitor","b7eefb9a-fb1f-4bfc-9930-1205e5703383","_self","story",{"name":124,"id":134,"uuid":130,"slug":135,"url":136,"full_slug":137,"_stopResolving":40},168091479,"debitor","glossary/debitor","de/glossary/debitor",{"type":90,"attrs":139},{"color":92},{"text":141,"type":67,"marks":142},") in Verzug gerät.",[143],{"type":90,"attrs":144},{"color":92},{"type":146,"attrs":147},"blok",{"id":148,"body":149},"d33739b8-bf0b-4770-aeef-8ebf150fee20",[150],{"_uid":151,"html":152,"component":153},"i-a41fef4f-4fab-44a9-8475-793864f85d64","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-600d6817-1990-49a1-8b82-94c111241e11\">\u003Cspan class=\"hs-cta-node hs-cta-600d6817-1990-49a1-8b82-94c111241e11\" id=\"hs-cta-600d6817-1990-49a1-8b82-94c111241e11\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/600d6817-1990-49a1-8b82-94c111241e11\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-600d6817-1990-49a1-8b82-94c111241e11\" style=\"border-width:0px;\" height=\"1280\" width=\"2560\" src=\"https://no-cache.hubspot.com/cta/default/2694209/600d6817-1990-49a1-8b82-94c111241e11.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '600d6817-1990-49a1-8b82-94c111241e11', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":155,"attrs":156,"content":158},"heading",{"level":157},2,[159],{"text":160,"type":67,"marks":161},"Was ist Zahlungsverzug?",[162],{"type":90,"attrs":163},{"color":164},"rgb(0, 0, 0)",{"type":63,"content":166},[167],{"text":168,"type":67,"marks":169},"Was bedeutet es also, in Zahlungsverzug zu geraten? ",[170],{"type":90,"attrs":171},{"color":164},{"type":155,"attrs":173,"content":175},{"level":174},3,[176],{"text":177,"type":67,"marks":178},"Zahlungsverzug – eine Definition",[179],{"type":90,"attrs":180},{"color":181},"rgb(67, 67, 67)",{"type":63,"content":183},[184,189,202,207,216,221,226],{"text":185,"type":67,"marks":186},"Nach ",[187],{"type":90,"attrs":188},{"color":164},{"text":190,"type":67,"marks":191},"BGB §280",[192,197,200],{"type":127,"attrs":193},{"href":194,"uuid":24,"anchor":24,"target":195,"linktype":196},"https://www.gesetze-im-internet.de/bgb/__280.html","_blank","url",{"type":90,"attrs":198},{"color":199},"rgb(17, 85, 204)",{"type":201},"underline",{"text":203,"type":67,"marks":204}," und ",[205],{"type":90,"attrs":206},{"color":164},{"text":208,"type":67,"marks":209},"§286",[210,213,215],{"type":127,"attrs":211},{"href":212,"uuid":24,"anchor":24,"target":195,"linktype":196},"https://www.gesetze-im-internet.de/bgb/__286.html",{"type":90,"attrs":214},{"color":199},{"type":201},{"text":217,"type":67,"marks":218}," liegt ein ",[219],{"type":90,"attrs":220},{"color":164},{"text":94,"type":67,"marks":222},[223,224],{"type":97},{"type":90,"attrs":225},{"color":164},{"text":227,"type":67,"marks":228}," vor, wenn eine fällige Zahlung nicht geleistet wird, obwohl der Schuldner dazu verpflichtet ist und in der Lage wäre, der geforderten Zahlung nachzukommen. Der Zahlungsverzug beschreibt, welche Rechte und Pflichten die Vertragsparteien im Falle der Nichterfüllung der Leistungspflicht zu beachten haben. ",[229],{"type":90,"attrs":230},{"color":164},{"type":63,"content":232},[233],{"text":234,"type":67,"marks":235},"Die offizielle Definition lautet: ",[236,238],{"type":90,"attrs":237},{"color":164},{"type":201},{"type":63,"content":240},[241],{"text":242,"type":67,"marks":243},"“Der Zahlungsverzug ist die schuldhafte Nichtleistung trotz Möglichkeit, Fälligkeit und Mahnung”. ",[244,246],{"type":245},"italic",{"type":90,"attrs":247},{"color":164},{"type":155,"attrs":249,"content":251},{"level":250},4,[252],{"text":253,"type":67,"marks":254},"Wann tritt Zahlungsverzug ein?",[255],{"type":90,"attrs":256},{"color":257},"rgb(102, 102, 102)",{"type":63,"content":259},[260,265,271,276,284,289,303,308,316,321,329],{"text":261,"type":67,"marks":262},"Wenn ein Schuldner eine Rechnung nicht innerhalb des vorgegebenen Zeitraums begleicht, spricht man also von einem Zahlungsverzug. Normalerweise endet dieser Zeitraum nach",[263],{"type":90,"attrs":264},{"color":164},{"text":266,"type":67,"marks":267}," 30 Tagen ab dem Fälligkeitsdatum (30-Tage-Regel) ",[268,269],{"type":97},{"type":90,"attrs":270},{"color":164},{"text":272,"type":67,"marks":273},"und dem Erhalt der Rechnung oder einer gleichwertigen Zahlungsaufforderung gemäß ",[274],{"type":90,"attrs":275},{"color":164},{"text":277,"type":67,"marks":278},"§ 286 Abs. 3 BGB",[279,281,283],{"type":127,"attrs":280},{"href":212,"uuid":24,"anchor":24,"target":195,"linktype":196},{"type":90,"attrs":282},{"color":199},{"type":201},{"text":285,"type":67,"marks":286},". Ein Verzug kann auch dann eintreten, wenn der Kreditgeber (",[287],{"type":90,"attrs":288},{"color":164},{"text":290,"type":67,"marks":291},"Kreditor",[292,301],{"type":127,"attrs":293},{"href":294,"uuid":295,"anchor":24,"target":131,"linktype":132,"story":296},"/de/glossary/kreditor","fad40d74-0f2a-4911-b9cc-a3aaa571f3da",{"name":290,"id":297,"uuid":295,"slug":298,"url":299,"full_slug":300,"_stopResolving":40},153807163,"kreditor","glossary/kreditor","de/glossary/kreditor",{"type":90,"attrs":302},{"color":164},{"text":304,"type":67,"marks":305},") gemäß ",[306],{"type":90,"attrs":307},{"color":164},{"text":309,"type":67,"marks":310},"§ 286 Abs. 1 BGB",[311,313,315],{"type":127,"attrs":312},{"href":212,"uuid":24,"anchor":24,"target":195,"linktype":196},{"type":90,"attrs":314},{"color":199},{"type":201},{"text":317,"type":67,"marks":318}," eine Mahnung sendet – oder aber, wenn keine Mahnung erforderlich ist (siehe unten) und die Zahlung nicht bis zum vereinbarten Fälligkeitsdatum gemäß",[319],{"type":90,"attrs":320},{"color":164},{"text":322,"type":67,"marks":323}," § 286 Abs. 2 BGB",[324,326,328],{"type":127,"attrs":325},{"href":212,"uuid":24,"anchor":24,"target":195,"linktype":196},{"type":90,"attrs":327},{"color":199},{"type":201},{"text":330,"type":67,"marks":331}," erfolgt ist.",[332],{"type":90,"attrs":333},{"color":164},{"type":63,"content":335},[336,341,356,361,376],{"text":337,"type":67,"marks":338},"Das Fälligkeitsdatum wird vertraglich ",[339],{"type":90,"attrs":340},{"color":164},{"text":342,"type":67,"marks":343},"zwischen Kreditor und Debitor",[344,354],{"type":127,"attrs":345},{"href":346,"uuid":347,"anchor":24,"target":131,"linktype":132,"story":348},"/de/blog/kreditor-und-debitor","29140209-2437-47c1-8976-b17cced3fd01",{"name":349,"id":350,"uuid":347,"slug":351,"url":352,"full_slug":353,"_stopResolving":40},"Kreditor und Debitor – Gläubiger und Schuldner in der Buchhaltung",213436101,"kreditor-und-debitor","blog/kreditor-und-debitor","de/blog/kreditor-und-debitor",{"type":90,"attrs":355},{"color":164},{"text":357,"type":67,"marks":358}," vereinbart und gibt an, bis wann der Kreditgeber den Zahlungseingang erwartet. Dies kann entweder als sofort fälliger Betrag oder bis zu einem bestimmten Datum vereinbart werden. Mehr Informationen dazu erhalten Sie in unserem Artikel ",[359],{"type":90,"attrs":360},{"color":164},{"text":362,"type":67,"marks":363},"“Zahlungsziel – alle relevanten Infos auf einen Blick”",[364,374],{"type":127,"attrs":365},{"href":366,"uuid":367,"anchor":24,"target":131,"linktype":132,"story":368},"/de/blog/zahlungsziel","5535ab48-0ef5-485a-8452-0fd55210598a",{"name":369,"id":370,"uuid":367,"slug":371,"url":372,"full_slug":373,"_stopResolving":40},"Zahlungsziel – alle relevanten Infos auf einen Blick",294654267,"zahlungsziel","blog/zahlungsziel","de/blog/zahlungsziel",{"type":90,"attrs":375},{"color":164},{"text":377,"type":67,"marks":378},".",[379],{"type":90,"attrs":380},{"color":164},{"type":155,"attrs":382,"content":383},{"level":250},[384],{"text":385,"type":67,"marks":386},"Zahlungsverzug nach dem BGB – die Voraussetzungen",[387],{"type":90,"attrs":388},{"color":257},{"type":63,"content":390},[391],{"text":392,"type":67,"marks":393},"Um einen Zahlungsverzug geltend machen zu können, müssen in der Regel die folgenden Voraussetzungen vorliegen:",[394],{"type":90,"attrs":395},{"color":164},{"type":397,"attrs":398,"content":402},"ordered_list",{"order":399,"key":401},{"order":400},1,"ol-0",[403,419,434],{"type":404,"content":405},"list_item",[406],{"type":63,"content":407},[408,414],{"text":409,"type":67,"marks":410},"Es muss ein Zahlungsanspruch aufgrund eines Vertrags bestehen",[411,412],{"type":97},{"type":90,"attrs":413},{"color":164},{"text":415,"type":67,"marks":416},", also eine rechtliche Grundlage für die Forderung vorliegen.",[417],{"type":90,"attrs":418},{"color":164},{"type":404,"content":420},[421],{"type":63,"content":422},[423,429],{"text":424,"type":67,"marks":425},"Die Leistung muss möglich sein",[426,427],{"type":97},{"type":90,"attrs":428},{"color":164},{"text":430,"type":67,"marks":431}," und der Debitor hat diese nicht bezahlt, obwohl er zur Zahlung verpflichtet ist.",[432],{"type":90,"attrs":433},{"color":164},{"type":404,"content":435},[436],{"type":63,"content":437},[438,444],{"text":439,"type":67,"marks":440},"Der Anspruch muss fällig sein",[441,442],{"type":97},{"type":90,"attrs":443},{"color":164},{"text":445,"type":67,"marks":446},", das heißt, die Zahlungsfrist oder das Zahlungsziel sind abgelaufen und der Kreditor hat die vereinbarte Zahlung nicht erhalten.",[447],{"type":90,"attrs":448},{"color":164},{"type":155,"attrs":450,"content":451},{"level":157},[452],{"text":453,"type":67,"marks":454},"Zahlungsverzug mit und ohne Mahnung",[455],{"type":90,"attrs":456},{"color":164},{"type":63,"content":458},[459,464,470],{"text":460,"type":67,"marks":461},"Der Zahlungsverzug kann ",[462],{"type":90,"attrs":463},{"color":164},{"text":465,"type":67,"marks":466},"mit oder ohne Mahnung",[467,468],{"type":97},{"type":90,"attrs":469},{"color":164},{"text":471,"type":67,"marks":472}," eintreten. ",[473],{"type":90,"attrs":474},{"color":164},{"type":63,"content":476},[477],{"text":478,"type":67,"marks":479},"Eine Mahnung ist eine einseitige, empfangsbedürftige Aufforderung des Gläubigers an den Schuldner, eine fällige Leistung zu erbringen. Diese wird in der Regel schriftlich per Einschreiben mit Rückschein versendet, nachdem die Fälligkeit der Leistungserbringung (z. B. Zahlungsziel) abgelaufen ist. Erst durch die Mahnung wird der Schuldner in Verzug gesetzt. Es ist nicht festgelegt, wie viele Mahnungen erforderlich sind. Gesetzlich vorgeschrieben ist lediglich eine Mahnung.",[480],{"type":90,"attrs":481},{"color":164},{"type":63,"content":483},[484,490],{"text":485,"type":67,"marks":486},"In einigen gesetzlich geregelten Fällen kann ein Schuldner aber auch ohne Mahnung in Verzug geraten",[487,488],{"type":97},{"type":90,"attrs":489},{"color":164},{"text":491,"type":67,"marks":492}," (vgl. § 286 Abs. 2 und 3 BGB), und zwar...",[493],{"type":90,"attrs":494},{"color":164},{"type":63,"content":496},[497,502,508],{"text":498,"type":67,"marks":499},"… wenn ein ",[500],{"type":90,"attrs":501},{"color":164},{"text":503,"type":67,"marks":504},"bestimmter Kalendertag",[505,506],{"type":97},{"type":90,"attrs":507},{"color":164},{"text":509,"type":67,"marks":510}," als Zahlungsziel in der Rechnung angegeben ist.",[511],{"type":90,"attrs":512},{"color":164},{"type":63,"content":514},[515,519,525],{"text":498,"type":67,"marks":516},[517],{"type":90,"attrs":518},{"color":164},{"text":520,"type":67,"marks":521},"eindeutiges Ereignis als Leistungserbringung",[522,523],{"type":97},{"type":90,"attrs":524},{"color":164},{"text":526,"type":67,"marks":527}," in der Rechnung genannt wird, das es ermöglicht, die Fälligkeit nach dem Kalender zu berechnen (z. B. Leistung innerhalb von 14 Tagen nach Lieferung).",[528],{"type":90,"attrs":529},{"color":164},{"type":63,"content":531},[532,537,543],{"text":533,"type":67,"marks":534},"… wenn der Schuldner die ",[535],{"type":90,"attrs":536},{"color":164},{"text":538,"type":67,"marks":539},"Zahlung endgültig verweigert",[540,541],{"type":97},{"type":90,"attrs":542},{"color":164},{"text":377,"type":67,"marks":544},[545],{"type":90,"attrs":546},{"color":164},{"type":63,"content":548},[549,553,559],{"text":498,"type":67,"marks":550},[551],{"type":90,"attrs":552},{"color":164},{"text":554,"type":67,"marks":555},"besonderer Grund",[556,557],{"type":97},{"type":90,"attrs":558},{"color":164},{"text":560,"type":67,"marks":561}," vorliegt, der aufgrund der Interessen beider Geschäftspartner einen Verzug rechtfertigt (z.B. wenn der Schuldner weiß, dass er eine fehlerhafte Leistung erbracht hat)",[562],{"type":90,"attrs":563},{"color":164},{"type":155,"attrs":565,"content":566},{"level":157},[567],{"text":568,"type":67,"marks":569},"Mögliche Gründe für einen Zahlungsverzug",[570],{"type":90,"attrs":571},{"color":164},{"type":63,"content":573},[574,579,585,590,596],{"text":575,"type":67,"marks":576},"Jetzt wissen wir bereits, ",[577],{"type":90,"attrs":578},{"color":164},{"text":580,"type":67,"marks":581},"was",[582,583],{"type":245},{"type":90,"attrs":584},{"color":164},{"text":586,"type":67,"marks":587}," ein Zahlungsverzug ist und welche Dinge es dafür zu beachten gilt. Sehen wir uns nun die Gründe an, ",[588],{"type":90,"attrs":589},{"color":164},{"text":591,"type":67,"marks":592},"warum",[593,594],{"type":245},{"type":90,"attrs":595},{"color":164},{"text":597,"type":67,"marks":598}," ein:e Kund:in eine Rechnung nicht rechtzeitig bezahlt.",[599],{"type":90,"attrs":600},{"color":164},{"type":63,"content":602},[603],{"text":604,"type":67,"marks":605},"Denken Sie daran: Verspätete Zahlungen sind selten auf Böswilligkeit oder schlechte Absichten zurückzuführen. In den meisten Fällen handelt es sich einfach um Flüchtigkeitsfehler!",[606],{"type":90,"attrs":607},{"color":164},{"type":63,"content":609},[610,616],{"text":611,"type":67,"marks":612},"Hier sind einige häufig genannte Gründe für Zahlungsverzögerungen",[613,614],{"type":97},{"type":90,"attrs":615},{"color":164},{"text":617,"type":67,"marks":618},":",[619],{"type":90,"attrs":620},{"color":164},{"type":622,"content":623},"bullet_list",[624,633,642,651,660,669,678,687],{"type":404,"content":625},[626],{"type":63,"content":627},[628],{"text":629,"type":67,"marks":630},"Verlorene (oder nie erhaltene) Rechnung",[631],{"type":90,"attrs":632},{"color":164},{"type":404,"content":634},[635],{"type":63,"content":636},[637],{"text":638,"type":67,"marks":639},"Der/die Kund:in glaubt, dass er/sie bereits bezahlt hat",[640],{"type":90,"attrs":641},{"color":164},{"type":404,"content":643},[644],{"type":63,"content":645},[646],{"text":647,"type":67,"marks":648},"Die Zahlung bereits ist auf dem Weg",[649],{"type":90,"attrs":650},{"color":164},{"type":404,"content":652},[653],{"type":63,"content":654},[655],{"text":656,"type":67,"marks":657},"Unzufriedenheit mit den gelieferten Waren oder Dienstleistungen (oder ein anderer Streitfall)",[658],{"type":90,"attrs":659},{"color":164},{"type":404,"content":661},[662],{"type":63,"content":663},[664],{"text":665,"type":67,"marks":666},"Cashflow-Probleme",[667],{"type":90,"attrs":668},{"color":164},{"type":404,"content":670},[671],{"type":63,"content":672},[673],{"text":674,"type":67,"marks":675},"Flüchtigkeitsfehler (wie Tippfehler) ",[676],{"type":90,"attrs":677},{"color":164},{"type":404,"content":679},[680],{"type":63,"content":681},[682],{"text":683,"type":67,"marks":684},"Schlechte Kommunikation oder Abläufe",[685],{"type":90,"attrs":686},{"color":164},{"type":404,"content":688},[689],{"type":63,"content":690},[691],{"text":692,"type":67,"marks":693},"Zahlungsunfähigkeit",[694],{"type":90,"attrs":695},{"color":164},{"type":155,"attrs":697,"content":698},{"level":157},[699],{"text":700,"type":67,"marks":701},"Die Folgen von Zahlungsverzug",[702],{"type":90,"attrs":703},{"color":164},{"type":63,"content":705},[706,711,727],{"text":707,"type":67,"marks":708},"Für Unternehmen ist es von großer Bedeutung, dass alle Zahlungseingänge gesichert sind. Schließlich kann es zu ",[709],{"type":90,"attrs":710},{"color":164},{"text":712,"type":67,"marks":713},"Liquiditätsproblemen ",[714,724,725],{"type":127,"attrs":715},{"href":716,"uuid":717,"anchor":24,"target":131,"linktype":132,"story":718},"/de/blog/liquiditaetsplan","d9bd105a-73ed-413c-959a-c5d89cb85c0f",{"name":719,"id":720,"uuid":717,"slug":721,"url":722,"full_slug":723,"_stopResolving":40},"So erstellen Sie einen Liquiditätsplan – in drei Schritten zum Erfolg",214317357,"liquiditaetsplan","blog/liquiditaetsplan","de/blog/liquiditaetsplan",{"type":97},{"type":90,"attrs":726},{"color":164},{"text":728,"type":67,"marks":729},"führen, wenn Lieferungen und Leistungen nicht wie bezahlt werden. Und schlimmstenfalls droht die Insolvenz.",[730],{"type":90,"attrs":731},{"color":164},{"type":63,"content":733},[734],{"text":735,"type":67,"marks":736},"Einige weitere der Folgen verspäteter Zahlungen sind:",[737],{"type":90,"attrs":738},{"color":164},{"type":622,"content":740},[741,757,773,789],{"type":404,"content":742},[743,756],{"type":63,"content":744},[745,751],{"text":746,"type":67,"marks":747},"Verzugszinsen:",[748,749],{"type":97},{"type":90,"attrs":750},{"color":164},{"text":752,"type":67,"marks":753}," Wenn ein Zahlungsverzug vorliegt, haben Sie als Gläubiger einen gesetzlichen Anspruch darauf, Verzugszinsen vom Schuldner zu verlangen. Die Höhe der Verzugszinsen ist gesetzlich festgelegt und beträgt für Unternehmen maximal 9 Prozent über dem Basiszinssatz. Mithilfe von Online-Tools können Sie die Verzugszinsen ganz einfach berechnen.",[754],{"type":90,"attrs":755},{"color":164},{"type":63},{"type":404,"content":758},[759,772],{"type":63,"content":760},[761,767],{"text":762,"type":67,"marks":763},"Störung der Geschäftsbeziehungen:",[764,765],{"type":97},{"type":90,"attrs":766},{"color":164},{"text":768,"type":67,"marks":769}," Den Kund:innen wegen verspäteter Zahlungen hinterherzujagen, ist für niemanden ein Vergnügen. Die Geschäftsbeziehung kann hinsichtlich diesen unangenehmen Gesprächen ins Wanken geraten.",[770],{"type":90,"attrs":771},{"color":164},{"type":63},{"type":404,"content":774},[775,788],{"type":63,"content":776},[777,783],{"text":778,"type":67,"marks":779},"Verschwendung von Zeit und Ressourcen: ",[780,781],{"type":97},{"type":90,"attrs":782},{"color":164},{"text":784,"type":67,"marks":785},"Das Abmahnen von Kund:innen gehört sicherlich zu den frustrierendsten, aber auch zeitaufwendigsten Aufgaben für Finanzteams. In der Tat verbringen Mitarbeitende manchmal mehrere Tage im Monat damit, unbezahlten Rechnungen nachzugehen. Wenn Unternehmen zudem gerichtliche Schritte einleiten müssen, um unbezahlte Rechnungen einzufordern, können hohe Anwaltskosten entstehen.",[786],{"type":90,"attrs":787},{"color":164},{"type":63},{"type":404,"content":790},[791],{"type":63,"content":792},[793,799],{"text":794,"type":67,"marks":795},"Scheitern von Unternehmen:",[796,797],{"type":97},{"type":90,"attrs":798},{"color":164},{"text":800,"type":67,"marks":801}," Es mag extrem klingen, aber Zahlungsverzug kann tatsächlich einer der Gründe für das Scheitern eines Unternehmens sein. Denn jede Kombination der genannten Folgen kann für Unternehmen verheerend sein.",[802],{"type":90,"attrs":803},{"color":164},{"type":63,"content":805},[806],{"text":807,"type":67,"marks":808},"Glücklicherweise gibt es ein paar einfache Möglichkeiten, diese Probleme zu umgehen und verspätete (oder gar ausbleibende) Zahlungen im Keim zu ersticken.",[809],{"type":90,"attrs":810},{"color":164},{"type":155,"attrs":812,"content":813},{"level":157},[814],{"text":815,"type":67,"marks":816},"Wie man Zahlungsverzug vermeiden kann – 7 Tipps",[817],{"type":90,"attrs":818},{"color":164},{"type":63,"content":820},[821],{"text":822,"type":67,"marks":823},"Im Geschäftsalltag besteht immer das Risiko, dass einige Rechnungen vorerst unbezahlt bleiben. Unternehmen müssen daher ein ausgeklügeltes Forderungsmanagement implementieren.",[824],{"type":90,"attrs":825},{"color":164},{"type":63,"content":827},[828,833,839],{"text":829,"type":67,"marks":830},"In der Regel sind die Finanzteams dafür verantwortlich, dass die Geldeingänge und -ausgänge gleichmäßig sind. Um diese Balance aufrechtzuerhalten, gibt es einige ",[831],{"type":90,"attrs":832},{"color":164},{"text":834,"type":67,"marks":835},"bewährte Verfahren, um Zahlungsverzüge zu vermeiden",[836,837],{"type":97},{"type":90,"attrs":838},{"color":164},{"text":840,"type":67,"marks":841},". Wir haben 7 davon für Sie zusammengestellt: ",[842],{"type":90,"attrs":843},{"color":164},{"type":155,"attrs":845,"content":846},{"level":174},[847],{"text":848,"type":67,"marks":849},"1. 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Wenn Sie diese Grundsätze fest verankern und klar kommunizieren, bleibt kein Raum für Missverständnisse.",[877],{"type":90,"attrs":878},{"color":164},{"type":63,"content":880},[881],{"text":882,"type":67,"marks":883},"Vergewissern Sie sich, dass Ihre Kund:innen Ihre Richtlinien verstehen und schriftlich bestätigen. Im Falle von Streitigkeiten können Sie sich dann immer auf diese Bestätigung berufen.",[884],{"type":90,"attrs":885},{"color":164},{"type":155,"attrs":887,"content":888},{"level":174},[889],{"text":890,"type":67,"marks":891},"2. Die Kund:innen kennen",[892],{"type":90,"attrs":893},{"color":181},{"type":63,"content":895},[896],{"text":897,"type":67,"marks":898},"Mit ein paar grundlegenden Maßnahmen lassen sich Probleme im Nachhinein weitgehend vermeiden. Bevor Sie Neukund:innen aufnehmen, sollten Sie sich die Zeit nehmen, deren bisherigen Erfahrungen mit Anbietern zu prüfen. Wenn Sie z. 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Rechnen Sie mit dem Unerwarteten und seien Sie bei Ihren Budgetschätzungen konservativ, insbesondere bei unsicheren wirtschaftlichen Bedingungen.",[943],{"type":90,"attrs":944},{"color":164},{"type":155,"attrs":946,"content":947},{"level":174},[948],{"text":949,"type":67,"marks":950},"5. Reaktionsschnellen Kundendienst einsetzen",[951],{"type":90,"attrs":952},{"color":181},{"type":63,"content":954},[955],{"text":956,"type":67,"marks":957},"Wenn sich ein Kunde oder eine Kundin an Ihren Kundendienst wendet, reagieren Sie möglichst schnell – denn das suggeriert, dass Sie sich gut kümmern. Es hilft auch zu verhindern, dass kleine Probleme zu einer Katastrophe werden. Denn ein kleines Problem kann sich schnell zu einem ausgewachsenen Streitfall entwickeln, sofern es nicht zeitnah und effizient bearbeitet wird.",[958],{"type":90,"attrs":959},{"color":164},{"type":155,"attrs":961,"content":962},{"level":174},[963],{"text":964,"type":67,"marks":965},"6. 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Dadurch gewinnen sie mehr Zeit, um sich auf ihre Kernaufgaben und dringendere Themen zu konzentrieren und vermeiden unangenehme Gespräche mit Kund:innen. ",[1008],{"type":90,"attrs":1009},{"color":164},{"type":63,"content":1011},[1012,1017,1032,1037],{"text":1013,"type":67,"marks":1014},"Durch die Nutzung von",[1015],{"type":90,"attrs":1016},{"color":92},{"text":1018,"type":67,"marks":1019}," Ausgabenmanagement-Tools wie Spendesk",[1020,1030],{"type":127,"attrs":1021},{"href":1022,"uuid":1023,"anchor":24,"target":131,"linktype":132,"story":1024},"/platform/","4b39d188-071f-4f1b-9670-76374dd671b8",{"name":1025,"id":1026,"uuid":1023,"slug":1027,"url":1028,"full_slug":1029,"_stopResolving":40},"Platform",511195522,"platform","platform/","de/platform/",{"type":90,"attrs":1031},{"color":92},{"text":1033,"type":67,"marks":1034}," können Finanzteams eine höhere Transparenz und bessere Einblicke in die Arbeitsweise des Unternehmens erlangen. Das ermöglicht eine verbesserte Vorbereitung und Konzentration auf die Vermeidung von Zahlungsverzug. Folglich können Unternehmen flexibler agieren und den Cashflow besser im Blick behalten. 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Jetzt mehr erfahren! ",[1119],{"_uid":1120,"items":1121,"heading":1159,"reverse":27,"component":1177,"sectionSettings":1178},"efd0fea9-d4cd-4684-9def-57b79cc9bffb",[1122,1132,1141,1150],{"_uid":1123,"title":1124,"component":1125,"description":1126},"ead29811-df56-4dd9-bc8f-9b820334f77f","Was ist Zahlungsverzug und welche Folgen hat er für Unternehmen?","faqItem",{"type":60,"content":1127},[1128],{"type":63,"content":1129},[1130],{"text":1131,"type":67},"Zahlungsverzug bezeichnet das Ausbleiben fälliger Zahlungen und verursacht Liquiditätsengpässe, Verzugszinsen sowie Mahn- und Inkassokosten. 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Erfahren Sie mehr über den BANF-Prozess, Rollen, Freigaben und die digitale Umsetzung im Unternehmen.",[],[3617],{"cta":3618,"_uid":3619,"items":3620,"heading":3686,"reverse":27,"component":1177,"sectionSettings":3705},[],"5f18a3a1-a7cc-4e34-8fae-b54726445ac6",[3621,3634,3647,3660,3673],{"_uid":3622,"hide":27,"title":3623,"component":1125,"description":3624},"b143d577-5b86-40e8-8fa4-44bf891974f5","Was ist der Unterschied zwischen Bedarfsanforderung und Bestellanforderung?",{"type":60,"content":3625},[3626],{"type":63,"attrs":3627,"content":3628},{"textAlign":24},[3629],{"text":3630,"type":67,"marks":3631},"Beide Begriffe bezeichnen dasselbe: den internen Antrag vor der Bestellung. In SAP heißt er Bestellanforderung, im allgemeinen Sprachgebrauch Bedarfsanforderung.",[3632],{"type":90,"attrs":3633},{"color":2596},{"_uid":3635,"hide":27,"title":3636,"component":1125,"description":3637},"4ac4482f-efe0-4ecb-aa7e-a467641dfd95","Wer darf eine Bedarfsanforderung erstellen?",{"type":60,"content":3638},[3639],{"type":63,"attrs":3640,"content":3641},{"textAlign":24},[3642],{"text":3643,"type":67,"marks":3644},"Jede Person mit einem konkreten Bedarf. Die Freigabe liegt jedoch bei einem separaten Genehmiger, sodass mindestens zwei Personen beteiligt sind.",[3645],{"type":90,"attrs":3646},{"color":2596},{"_uid":3648,"hide":27,"title":3649,"component":1125,"description":3650},"76507c51-2b3d-41df-a0a4-bf0d43d33b59","Wie lange dauert die Bearbeitung einer BANF?",{"type":60,"content":3651},[3652],{"type":63,"attrs":3653,"content":3654},{"textAlign":24},[3655],{"text":3656,"type":67,"marks":3657},"Manuell liegt die Durchlaufzeit typischerweise zwischen zwei und 15 Werktagen. Mit digitalem Freigaberouting sinkt sie deutlich, in stark automatisierten Prozessen oft auf unter drei Werktage.",[3658],{"type":90,"attrs":3659},{"color":2596},{"_uid":3661,"hide":27,"title":3662,"component":1125,"description":3663},"958fc5f8-ccd0-489c-aabf-9198e44018ff","Braucht ein kleines Unternehmen ohne SAP eine BANF?",{"type":60,"content":3664},[3665],{"type":63,"attrs":3666,"content":3667},{"textAlign":24},[3668],{"text":3669,"type":67,"marks":3670},"Ja. Die Bedarfsanforderung ist ERP-unabhängig. Schon ab etwa 50 Mitarbeitenden zahlt sich die vorgelagerte Freigabekontrolle aus.",[3671],{"type":90,"attrs":3672},{"color":2596},{"_uid":3674,"hide":27,"title":3675,"component":1125,"description":3676},"5c820645-cba6-4c8f-a3a5-0637b2fccee7","Was ist Maverick Buying und wie hilft die BANF dagegen?",{"type":60,"content":3677},[3678],{"type":63,"attrs":3679,"content":3680},{"textAlign":24},[3681],{"text":3682,"type":67,"marks":3683},"Maverick Spend bezeichnet Käufe, die an vereinbarten Prozessen vorbeilaufen, auch kleine Beträge ab 50 Euro. 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Erfahren Sie, was das bedeutet – und warum ESG-Reporting trotzdem zum Wettbewerbsvorteil wird.",[],[3772],{"cta":3773,"_uid":3774,"items":3775,"heading":3841,"reverse":27,"component":1177,"sectionSettings":3863},[],"6a3d8ffe-4fc4-4dc6-a887-17f957f4ab75",[3776,3789,3802,3815,3828],{"_uid":3777,"hide":27,"title":3778,"component":1125,"description":3779},"ecbd88c0-47f6-4054-a1cb-8ae927d080cd","Was bedeutet CSRD?",{"type":60,"content":3780},[3781],{"type":63,"attrs":3782,"content":3783},{"textAlign":24},[3784],{"text":3785,"type":67,"marks":3786},"Die Corporate Sustainability Reporting Directive ist eine EU-Richtlinie zur standardisierten Offenlegung von Nachhaltigkeitsinformationen nach den ESRS. Sie ersetzt die frühere NFRD, die nur rund 11.700 Unternehmen erfasste.",[3787],{"type":90,"attrs":3788},{"color":2596},{"_uid":3790,"hide":27,"title":3791,"component":1125,"description":3792},"068e1a13-ca97-418c-8c09-9ac5114560e8","Wer ist nach dem Omnibus-Paket CSRD-pflichtig?",{"type":60,"content":3793},[3794],{"type":63,"attrs":3795,"content":3796},{"textAlign":24},[3797],{"text":3798,"type":67,"marks":3799},"Nur Unternehmen mit über 1.000 Mitarbeitenden und mehr als 450 Mio. Euro Nettoumsatz. Beide Schwellenwerte müssen gleichzeitig überschritten sein. Das reduziert die Betroffenen EU-weit um rund 80 Prozent.",[3800],{"type":90,"attrs":3801},{"color":2596},{"_uid":3803,"hide":27,"title":3804,"component":1125,"description":3805},"90d9fa7b-5f78-4f1d-a18b-3b1a25ab10fb","Wann tritt die CSRD in Kraft?",{"type":60,"content":3806},[3807],{"type":63,"attrs":3808,"content":3809},{"textAlign":24},[3810],{"text":3811,"type":67,"marks":3812},"Die neuen EU-Schwellenwerte gelten seit dem 18. 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Der Bruttobetrag ist aber als Betriebsausgabe abzugsfähig.",[3958],{"type":90,"attrs":3959},{"color":2596},{"_uid":3961,"hide":27,"title":3962,"component":1125,"description":3963},"4be09e95-47d4-4d3a-bbb6-c7d35cb3347c","Wie lange muss ich Eigenbelege seit 2025 aufbewahren?",{"type":60,"content":3964},[3965],{"type":63,"attrs":3966,"content":3967},{"textAlign":24},[3968,3973,3980,3989],{"text":3969,"type":67,"marks":3970},"Seit dem 1. Januar 2025 gilt eine Frist von 8 Jahren (BEG IV). Ein 2025 erstellter Eigenbeleg muss bis Ende 2033 archiviert sein. 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Die digitale Datei gilt als Original und muss unveränderbar, nachvollziehbar und zeitnah gespeichert werden.",[4004],{"type":90,"attrs":4005},{"color":2596},{"_uid":4007,"hide":27,"title":4008,"component":1125,"description":4009},"a1b3b7d1-ca80-4042-b134-83c3149de2a2","Gibt es eine Betragsobergrenze für Eigenbelege?",{"type":60,"content":4010},[4011],{"type":63,"attrs":4012,"content":4013},{"textAlign":24},[4014],{"text":4015,"type":67,"marks":4016},"Eine gesetzliche Obergrenze existiert nicht. In der Praxis steigt die Prüfintensität bei Einzelbeträgen über 150 € deutlich – ergänzende Nachweise wie Preislisten oder Fotos sind dann besonders wichtig.",[4017],{"type":90,"attrs":4018},{"color":2596},[4020],{"cta":4021,"_uid":4022,"title":4023,"eyebrow":4034,"subtitle":4037,"component":155,"textAlign":52,"eyebrowPill":27,"checkmarkList":27,"flexibleSection":4040,"sectionSettings":4041,"displaySeparator":27,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":52},[],"7cec6cb7-d574-431b-a391-ae4ed79fcc1d",{"type":60,"content":4024},[4025],{"type":155,"attrs":4026,"content":4027},{"level":157,"textAlign":24},[4028],{"text":4029,"type":67,"marks":4030},"Häufig gestellte Fragen zu Ersatz- und 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00:00",[4805],{"_uid":4806,"asset":4807,"caption":52,"component":1112},"0aeb2c80-fe56-4b22-856d-d30357f84ffd",{"id":4808,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":4809,"copyright":52,"fieldtype":54,"meta_data":4810,"is_external_url":27},174400058601475,"https://a.storyblok.com/f/146026/1376x768/5856800d6b/what-is-invoice-discounting.png",{},"Seit 2026 gelten sieben Prozent auf Speisen, 19 Prozent auf Getränke. So buchen Sie Bewirtungsbelege korrekt in SKR03 und vermeiden Vorsteuerfehler.",[],[4814],{"cta":4815,"_uid":4816,"items":4817,"heading":4896,"reverse":27,"component":1177,"sectionSettings":4915},[],"f47d1b42-bcb2-495a-8967-5fa97c8af620",[4818,4831,4844,4857,4870,4883],{"_uid":4819,"hide":27,"title":4820,"component":1125,"description":4821},"375c7d27-fdec-4399-b32d-8dedca030b48","Gilt sieben Prozent MwSt 2026 auf alle Speisen im Restaurant?",{"type":60,"content":4822},[4823],{"type":63,"attrs":4824,"content":4825},{"textAlign":24},[4826],{"text":4827,"type":67,"marks":4828},"Ja. Seit dem 1. Januar 2026 gelten dauerhaft sieben Prozent auf alle Speisen, unabhängig davon, ob sie vor Ort verzehrt, mitgenommen oder geliefert werden. Getränke bleiben bei 19 Prozent – mit Ausnahme von Milchmischgetränken mit mindestens 75 Prozent Milchanteil und Leitungswasser.",[4829],{"type":90,"attrs":4830},{"color":4509},{"_uid":4832,"hide":27,"title":4833,"component":1125,"description":4834},"be13124a-d45d-4da3-bc47-a2772ea4b6ee","Welche Bewirtungskosten sind abzugsfähig und welche nicht?",{"type":60,"content":4835},[4836],{"type":63,"attrs":4837,"content":4838},{"textAlign":24},[4839],{"text":4840,"type":67,"marks":4841},"70 Prozent der angemessenen Netto-Bewirtungskosten sind nach Paragraph 4 Abs. 5 Nr. 2 EStG als Betriebsausgaben abzugsfähig. Die restlichen 30 Prozent sind nicht abzugsfähig. Der Vorsteuerabzug bleibt davon unberührt und ist zu 100 Prozent möglich.",[4842],{"type":90,"attrs":4843},{"color":4509},{"_uid":4845,"hide":27,"title":4846,"component":1125,"description":4847},"11c5e914-ab92-4ecb-8928-359054f62152","Wie buche ich Bewirtungskosten mit zwei MwSt-Sätzen korrekt?",{"type":60,"content":4848},[4849],{"type":63,"attrs":4850,"content":4851},{"textAlign":24},[4852],{"text":4853,"type":67,"marks":4854},"Teilen Sie die Nettosumme in Speisen (Vorsteuer sieben Prozent, Konto 1571 in SKR03) und Getränke (Vorsteuer 19 Prozent, Konto 1576). Dann buchen Sie 70 Prozent der Nettosumme auf Konto 4650 und 30 Prozent auf Konto 4654.",[4855],{"type":90,"attrs":4856},{"color":4509},{"_uid":4858,"hide":27,"title":4859,"component":1125,"description":4860},"9373c41c-28f4-46d8-83e2-d9f210efe775","Wie teile ich die Mehrwertsteuer auf einer Restaurantquittung auf?",{"type":60,"content":4861},[4862],{"type":63,"attrs":4863,"content":4864},{"textAlign":24},[4865],{"text":4866,"type":67,"marks":4867},"Multiplizieren Sie den Speisen-Nettobetrag mit sieben Prozent und den Getränke-Nettobetrag mit 19 Prozent. Die Summe ist Ihre abzugsfähige Vorsteuer – zu 100 Prozent, unabhängig von der ertragsteuerlichen 70/30-Regel.",[4868],{"type":90,"attrs":4869},{"color":4509},{"_uid":4871,"hide":27,"title":4872,"component":1125,"description":4873},"3fffe330-16a4-4ae9-8b2c-d8e067df93f3","Ist Trinkgeld bei Bewirtungskosten abzugsfähig?",{"type":60,"content":4874},[4875],{"type":63,"attrs":4876,"content":4877},{"textAlign":24},[4878],{"text":4879,"type":67,"marks":4880},"Ja, wenn der Kellner es handschriftlich auf dem Beleg quittiert hat. Trinkgeld enthält keine MwSt und wird mit derselben 70/30-Aufteilung gebucht wie die Bewirtung.",[4881],{"type":90,"attrs":4882},{"color":4509},{"_uid":4884,"hide":27,"title":4885,"component":1125,"description":4886},"c82e9878-a7a6-41f9-bfb7-0fd3850a188b","Was passiert bei einer Betriebsprüfung, wenn die MwSt falsch codiert wurde?",{"type":60,"content":4887},[4888],{"type":63,"attrs":4889,"content":4890},{"textAlign":24},[4891],{"text":4892,"type":67,"marks":4893},"Das Finanzamt kann nach § 164 AO bis zu vier Jahre rückwirkend korrigieren. Es drohen Nachzahlungen plus 1,8 Prozent Zinsen pro Jahr nach § 233a AO.",[4894],{"type":90,"attrs":4895},{"color":4509},[4897],{"cta":4898,"_uid":4899,"title":4900,"eyebrow":4907,"subtitle":4910,"component":155,"textAlign":52,"eyebrowPill":27,"flexibleSection":4913,"sectionSettings":4914,"displaySeparator":27,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":52},[],"2567fefe-384c-4422-a234-a312e6389d4f",{"type":60,"content":4901},[4902],{"type":155,"attrs":4903,"content":4904},{"level":157,"textAlign":24},[4905],{"text":4906,"type":67},"Häufige Fragen zu Mehrwertsteuer in Restaurants",{"type":60,"content":4908},[4909],{"type":63},{"type":60,"content":4911},[4912],{"type":63},[],[],[],"mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen","de/blog/mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen",-2010,[],"7bba5ff9-dbf2-4b57-ae08-e17f347da34d","2026-06-25T13:23:54.460Z",[],"blog/mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen",[4925,4926,4927],{"path":4923,"name":24,"lang":36,"published":24},{"path":4923,"name":24,"lang":31,"published":24},{"path":4923,"name":24,"lang":39,"published":24},{"name":4929,"created_at":4930,"published_at":4931,"updated_at":4932,"id":4933,"uuid":4934,"content":4935,"slug":5077,"full_slug":5078,"sort_by_date":24,"position":5079,"tag_list":5080,"is_startpage":27,"parent_id":1190,"meta_data":24,"group_id":5081,"first_published_at":5082,"release_id":24,"lang":31,"path":24,"alternates":5083,"default_full_slug":5084,"translated_slugs":5085},"EU AI Act ab August 2026: Sie betreiben KI im Finanzteam ohne es zu wissen ","2026-06-19T11:04:34.712Z","2026-07-08T18:42:55.725Z","2026-07-08T18:42:55.749Z",189142936457471,"3cb0e342-4f23-468e-bd07-ee19c66c3753",{"_uid":4936,"title":4929,"topics":4937,"noIndex":27,"category":4948,"language":4957,"component":1092,"heroMedia":4958,"publishedAt":4959,"redirectUrl":52,"listingImage":4960,"metaDescription":4970,"bottomArticleCta":4971,"componentsAfterTheArticle":4972},"4600eac2-baec-4ab0-8ea0-2d229ed4e2cc",[4938],{"name":2982,"created_at":2983,"published_at":6,"updated_at":2984,"id":2985,"uuid":2986,"content":4939,"slug":2991,"full_slug":2992,"sort_by_date":24,"position":2993,"tag_list":4942,"is_startpage":27,"parent_id":2845,"meta_data":24,"group_id":2995,"first_published_at":2996,"release_id":24,"lang":31,"path":24,"alternates":4943,"default_full_slug":2998,"translated_slugs":4944,"_stopResolving":40},{"_uid":2988,"icon":4940,"name":2982,"component":21},{"id":24,"alt":24,"name":52,"focus":24,"title":24,"source":24,"filename":52,"copyright":24,"fieldtype":54,"meta_data":4941},{},[],[],[4945,4946,4947],{"path":2998,"name":24,"lang":36,"published":24},{"path":2998,"name":24,"lang":31,"published":24},{"path":2998,"name":24,"lang":39,"published":24},{"name":1080,"created_at":1081,"published_at":6,"updated_at":1082,"id":1083,"uuid":1084,"content":4949,"slug":1092,"full_slug":1093,"sort_by_date":24,"position":25,"tag_list":4951,"is_startpage":27,"parent_id":1095,"meta_data":24,"group_id":1096,"first_published_at":1097,"release_id":24,"lang":31,"path":24,"alternates":4952,"default_full_slug":1099,"translated_slugs":4953,"_stopResolving":40},{"_uid":1086,"icon":4950,"name":1080,"component":1091},{"id":1088,"alt":1089,"name":52,"focus":52,"title":52,"filename":1090,"copyright":52,"fieldtype":54,"is_external_url":27},[],[],[4954,4955,4956],{"path":1099,"name":24,"lang":36,"published":24},{"path":1099,"name":24,"lang":31,"published":24},{"path":1099,"name":24,"lang":39,"published":24},[31],[],"2026-06-19 00:00",[4961],{"_uid":4962,"asset":4963,"caption":4969,"component":1112},"b4c90cb2-0afd-4ab6-8699-7b7377e55878",{"id":4964,"alt":4965,"name":52,"focus":52,"title":4966,"source":52,"filename":4967,"copyright":1211,"fieldtype":54,"meta_data":4968,"is_external_url":27},143492014200848,"Grafische Darstellung in Violett auf hellem Hintergrund. Zu sehen sind zwei Tastaturtasten mit den weißen Buchstaben A und I. Die Tasten sind als Linienmuster stilisiert und gehen am rechten Bildrand in wellenförmige Linien über.","Tastatur mit den Buchstaben A und I als Symbol für künstliche Intelligenz","https://a.storyblok.com/f/146026/1020x680/8ff9cee056/ai-roi-finance.png",{"alt":4965,"title":4966,"source":52,"copyright":1211},"OCR, Kategorisierung, Anomalie-Erkennung – wo KI im Finanzteam beginnt, beginnen auch die Pflichten des EU AI Act.","Ab August 2026 treffen Sie als Nutzer KI-gestützter Finanzsoftware konkrete Pflichten. Was wirklich gilt was nicht und welche fünf Schritte ausreichen.",[],[4973],{"cta":4974,"_uid":4975,"items":4976,"heading":5053,"reverse":27,"component":1177,"sectionSettings":5076},[],"f9815c55-7f50-4a8f-901b-341773cc1203",[4977,5001,5014,5027,5040],{"_uid":4978,"hide":27,"title":4979,"component":1125,"description":4980},"11c678a7-7408-4da9-a844-bba643e44f74","Fällt unsere KI-gestützte OCR unter den EU AI Act?",{"type":60,"content":4981},[4982],{"type":63,"attrs":4983,"content":4984},{"textAlign":24},[4985,4990,4996],{"text":4986,"type":67,"marks":4987},"Ja, sie fällt unter den Anwendungsbereich des AI Act, aber ",[4988],{"type":90,"attrs":4989},{"color":4509},{"text":4991,"type":67,"marks":4992},"nicht",[4993,4995],{"type":90,"attrs":4994},{"color":4509},{"type":245},{"text":4997,"type":67,"marks":4998}," in die Hochrisiko-Kategorie nach Anhang III. Es gelten primär die Pflichten aus Art. 4 (KI-Kompetenz) und gegebenenfalls Art. 50 (Transparenz für KI-Inhalte).",[4999],{"type":90,"attrs":5000},{"color":4509},{"_uid":5002,"hide":27,"title":5003,"component":1125,"description":5004},"c16bbfb0-3386-4fa9-addf-ce0a88ef9226","Was ist der Unterschied zwischen Anbieter und Betreiber?",{"type":60,"content":5005},[5006],{"type":63,"attrs":5007,"content":5008},{"textAlign":24},[5009],{"text":5010,"type":67,"marks":5011},"Der Anbieter (Provider) entwickelt und vertreibt das KI-System, der Betreiber (Deployer) setzt es im eigenen Verantwortungsbereich ein. Ein Finanzteam, das eine KI-gestützte Ausgabenmanagement-Software nutzt, ist Betreiber – nicht Anbieter. Die Pflichtenkataloge unterscheiden sich erheblich.",[5012],{"type":90,"attrs":5013},{"color":4509},{"_uid":5015,"hide":27,"title":5016,"component":1125,"description":5017},"8dda6fca-d653-44ef-acb1-347c79cdf26d","Wie hoch sind die Bußgelder konkret?",{"type":60,"content":5018},[5019],{"type":63,"attrs":5020,"content":5021},{"textAlign":24},[5022],{"text":5023,"type":67,"marks":5024},"Für Verstöße gegen verbotene Praktiken bis zu 35 Mio. Euro oder 7 Prozent des weltweiten Jahresumsatzes. Für sonstige Verstöße bis zu 15 Mio. Euro oder 3 Prozent, für unrichtige Informationen an Behörden bis zu 7,5 Mio. Euro oder 1 Pozent. Maßgeblich ist jeweils der höhere Wert. Diese Maxima betreffen die schwersten Fälle, nicht jede formale Lücke.",[5025],{"type":90,"attrs":5026},{"color":4509},{"_uid":5028,"hide":27,"title":5029,"component":1125,"description":5030},"1ec61c20-bf5a-4c08-911b-4d0aca88c6c4","Müssen wir Mitarbeitende formal schulen?",{"type":60,"content":5031},[5032],{"type":63,"attrs":5033,"content":5034},{"textAlign":24},[5035],{"text":5036,"type":67,"marks":5037},"Art. 4 verlangt „ausreichende KI-Kompetenz\", nicht eine bestimmte Schulungsstundenzahl. Eine dokumentierte Einweisung mit nachvollziehbarem Inhalt reicht in der Regel aus. Externe Zertifikate sind nicht vorgeschrieben.",[5038],{"type":90,"attrs":5039},{"color":4509},{"_uid":5041,"hide":27,"title":5042,"component":1125,"description":5043},"266967d9-3783-4be1-b91b-d64d993b55da","Gilt der AI Act auch für US-Anbieter unserer Software?",{"type":60,"content":5044},[5045],{"type":63,"attrs":5046,"content":5047},{"textAlign":24},[5048],{"text":5049,"type":67,"marks":5050},"Ja. Sobald das KI-System in der EU genutzt wird oder Ergebnisse erzeugt, die in der EU verwendet werden, greift der AI Act – unabhängig vom Sitz des Anbieters. Achten Sie bei Vertragsverhandlungen mit Nicht-EU-Anbietern auf eine ausdrückliche Compliance-Zusage.",[5051],{"type":90,"attrs":5052},{"color":4509},[5054],{"cta":5055,"_uid":5056,"title":5057,"eyebrow":5068,"subtitle":5071,"component":155,"textAlign":52,"eyebrowPill":27,"flexibleSection":5074,"sectionSettings":5075,"displaySeparator":27,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":52},[],"14d98cda-9986-43fc-9ffb-afc526aad4da",{"type":60,"content":5058},[5059],{"type":155,"attrs":5060,"content":5061},{"level":157,"textAlign":24},[5062],{"text":5063,"type":67,"marks":5064},"Häufig gestellte Fragen zum EU AI Act",[5065,5067],{"type":90,"attrs":5066},{"color":4509},{"type":97},{"type":60,"content":5069},[5070],{"type":63},{"type":60,"content":5072},[5073],{"type":63},[],[],[],"eu-ai-act-august-2026-ki-finanzteam","de/blog/eu-ai-act-august-2026-ki-finanzteam",-1940,[],"b42612e0-71ca-45bb-866a-fc54d950c7cb","2026-06-19T11:23:32.309Z",[],"blog/eu-ai-act-august-2026-ki-finanzteam",[5086,5087,5088],{"path":5084,"name":24,"lang":36,"published":24},{"path":5084,"name":24,"lang":31,"published":24},{"path":5084,"name":24,"lang":39,"published":24},{"name":5090,"created_at":5091,"published_at":5092,"updated_at":5093,"id":5094,"uuid":5095,"content":5096,"slug":5267,"full_slug":5268,"sort_by_date":24,"position":5269,"tag_list":5270,"is_startpage":27,"parent_id":1190,"meta_data":24,"group_id":5271,"first_published_at":5272,"release_id":24,"lang":31,"path":24,"alternates":5273,"default_full_slug":5274,"translated_slugs":5275},"SEPA 2026: wenn ein einziger Datensatz den ganzen Zahlungslauf kippt ","2026-06-19T08:54:26.111Z","2026-07-08T18:43:19.743Z","2026-07-08T18:43:19.769Z",189110952425291,"33f28b6f-f6e0-440c-8755-a704bb2e936b",{"_uid":5097,"title":5090,"topics":5098,"noIndex":27,"category":5118,"language":5127,"component":1092,"heroMedia":5128,"publishedAt":4959,"redirectUrl":52,"listingImage":5129,"metaDescription":5138,"bottomArticleCta":5139,"componentsAfterTheArticle":5140},"ee62abc9-a973-4ff2-bbe6-f7676f71f5a8",[5099],{"name":1766,"created_at":5100,"published_at":6,"updated_at":5101,"id":5102,"uuid":5103,"content":5104,"slug":5106,"full_slug":5107,"sort_by_date":24,"position":5108,"tag_list":5109,"is_startpage":27,"parent_id":2845,"meta_data":24,"group_id":5110,"first_published_at":5111,"release_id":24,"lang":31,"path":24,"alternates":5112,"default_full_slug":5113,"translated_slugs":5114,"_stopResolving":40},"2022-10-19T17:57:58.268Z","2026-03-12T10:47:23.823Z",206171436,"96e6beb6-72ee-4d7e-80e7-051cceef91a6",{"_uid":5105,"name":1766,"component":21},"c47edfa2-5a7f-4c2b-966b-bd29e0b334a3","sicherheit","de/blog/topic/sicherheit",-400,[],"4bc732e7-2646-431d-9d49-7d0ba9f90782","2022-11-02T15:24:44.095Z",[],"blog/topic/sicherheit",[5115,5116,5117],{"path":5113,"name":24,"lang":36,"published":24},{"path":5113,"name":24,"lang":31,"published":24},{"path":5113,"name":24,"lang":39,"published":24},{"name":1080,"created_at":1081,"published_at":6,"updated_at":1082,"id":1083,"uuid":1084,"content":5119,"slug":1092,"full_slug":1093,"sort_by_date":24,"position":25,"tag_list":5121,"is_startpage":27,"parent_id":1095,"meta_data":24,"group_id":1096,"first_published_at":1097,"release_id":24,"lang":31,"path":24,"alternates":5122,"default_full_slug":1099,"translated_slugs":5123,"_stopResolving":40},{"_uid":1086,"icon":5120,"name":1080,"component":1091},{"id":1088,"alt":1089,"name":52,"focus":52,"title":52,"filename":1090,"copyright":52,"fieldtype":54,"is_external_url":27},[],[],[5124,5125,5126],{"path":1099,"name":24,"lang":36,"published":24},{"path":1099,"name":24,"lang":31,"published":24},{"path":1099,"name":24,"lang":39,"published":24},[31],[],[5130],{"_uid":5131,"asset":5132,"caption":5137,"component":1112},"0f8cd8a9-a19c-4983-b703-6251a33f0328",{"id":5133,"alt":5134,"name":52,"focus":52,"title":5134,"source":52,"filename":5135,"copyright":1211,"fieldtype":54,"meta_data":5136,"is_external_url":27},123992245019406,"Aufgestapelte Münzen","https://a.storyblok.com/f/146026/1020x680/90cdc17e54/spendesk-international-payments.jpg",{"alt":5134,"title":5134,"source":52,"copyright":1211},"Ab November 2026 entscheidet die Qualität Ihrer Lieferantenstammdaten darüber, ob Ihre SEPA-Zahlungen durchlaufen.","Ab November 2026 entscheiden Adressformat, pain-Version und Empfängername darüber, ob Ihre SEPA-Zahlungen durchlaufen. Der Sechs-Wochen-Plan.",[],[5141],{"cta":5142,"_uid":5143,"items":5144,"heading":5243,"reverse":27,"component":1177,"sectionSettings":5266},[],"6b4bc66b-a45b-4b12-b6b9-faf1d2f4a9d7",[5145,5168,5181,5194,5217,5230],{"_uid":5146,"hide":27,"title":5147,"component":1125,"description":5148},"4c562475-5ef1-4327-8475-5a5dff9c1411","Ab wann ist die ISO-20022-Umstellung für SEPA-Zahlungen verpflichtend?",{"type":60,"content":5149},[5150],{"type":63,"attrs":5151,"content":5152},{"textAlign":24},[5153,5158,5163],{"text":5154,"type":67,"marks":5155},"Ab dem 15.11.2026 müssen Überweisungen im Format ",[5156],{"type":90,"attrs":5157},{"color":4509},{"text":5159,"type":67,"marks":5160},"pain.001.001.09 und Lastschriften im Format pain.008.001.08",[5161],{"type":90,"attrs":5162},{"color":2596},{"text":5164,"type":67,"marks":5165}," eingereicht werden. Unstrukturierte Adressen werden ab diesem Datum abgelehnt.",[5166],{"type":90,"attrs":5167},{"color":4509},{"_uid":5169,"hide":27,"title":5170,"component":1125,"description":5171},"32447d44-cf05-4acc-9cba-3ee6be7f946e","Was passiert, wenn ein einziger Datensatz im Lauf unstrukturierte Adressen enthält?",{"type":60,"content":5172},[5173],{"type":63,"attrs":5174,"content":5175},{"textAlign":24},[5176],{"text":5177,"type":67,"marks":5178},"Viele ERPs und Banken weisen in dieser Konstellation den gesamten Zahlungslauf zurück, nicht nur den fehlerhaften Posten. Eine Pre-Run-Validierung ist deshalb wichtiger als jede nachgelagerte Korrektur.",[5179],{"type":90,"attrs":5180},{"color":4509},{"_uid":5182,"hide":27,"title":5183,"component":1125,"description":5184},"cbaf0389-66e1-4336-b577-408956209105","Prüft Verification of Payee auch Sammelüberweisungen?",{"type":60,"content":5185},[5186],{"type":63,"attrs":5187,"content":5188},{"textAlign":24},[5189],{"text":5190,"type":67,"marks":5191},"Bei Einzelüberweisungen ist VoP verpflichtend. Bei Sammelüberweisungen optional, Banken können sie aber durchführen. Realistischer Planungsstandard: Jede Zahlung wird geprüft.",[5192],{"type":90,"attrs":5193},{"color":4509},{"_uid":5195,"hide":27,"title":5196,"component":1125,"description":5197},"4cccff21-ef42-40e9-b38f-c542938820c6","Welche Adressfelder müssen mindestens strukturiert vorliegen?",{"type":60,"content":5198},[5199],{"type":63,"attrs":5200,"content":5201},{"textAlign":24},[5202,5207,5212],{"text":5203,"type":67,"marks":5204},"Stadt (",[5205],{"type":90,"attrs":5206},{"color":4509},{"text":5208,"type":67,"marks":5209},"TwnNm) und Land (Ctry",[5210],{"type":90,"attrs":5211},{"color":2596},{"text":5213,"type":67,"marks":5214},") sind die Pflichtfelder nach EPC-Vorgabe. In Deutschland werden zusätzlich PLZ, Straße und Hausnummer erwartet.",[5215],{"type":90,"attrs":5216},{"color":4509},{"_uid":5218,"hide":27,"title":5219,"component":1125,"description":5220},"4a8b0cf5-b8c9-4c96-85a6-c34ad4c23ae7","Was bedeutet ein „Close Match\" bei der VoP-Prüfung?",{"type":60,"content":5221},[5222],{"type":63,"attrs":5223,"content":5224},{"textAlign":24},[5225],{"text":5226,"type":67,"marks":5227},"Die Empfängerbank erkennt eine geringfügige Abweichung, etwa einen Tippfehler oder eine abgekürzte Rechtsform. Die Zahlung wird nicht automatisch abgelehnt, aber der Auftraggeber erhält einen Warnhinweis und muss die Ausführung aktiv bestätigen.",[5228],{"type":90,"attrs":5229},{"color":4509},{"_uid":5231,"hide":27,"title":5232,"component":1125,"description":5233},"35fa2a3f-413d-44dc-b9e1-29aea2c78e05","Kann ich altes und neues SEPA-Format parallel nutzen?",{"type":60,"content":5234},[5235],{"type":63,"attrs":5236,"content":5237},{"textAlign":24},[5238],{"text":5239,"type":67,"marks":5240},"Während der Übergangsphase bis November 2026 akzeptieren die meisten Banken beide Formate. Nach dem Stichtag werden die alten Versionen nicht mehr unterstützt.",[5241],{"type":90,"attrs":5242},{"color":4509},[5244],{"cta":5245,"_uid":5246,"title":5247,"eyebrow":5258,"subtitle":5261,"component":155,"textAlign":52,"eyebrowPill":27,"flexibleSection":5264,"sectionSettings":5265,"displaySeparator":27,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":52},[],"f3250a9d-7c4a-484b-81c2-0bfac24c9b5a",{"type":60,"content":5248},[5249],{"type":155,"attrs":5250,"content":5251},{"level":157,"textAlign":24},[5252],{"text":5253,"type":67,"marks":5254},"Häufig gestellte Fragen zur ISO-20022-Umstellung für SEPA-Zahlungen",[5255,5257],{"type":90,"attrs":5256},{"color":4509},{"type":97},{"type":60,"content":5259},[5260],{"type":63},{"type":60,"content":5262},[5263],{"type":63},[],[],[],"sepa-2026-datensatz-zahlungslauf","de/blog/sepa-2026-datensatz-zahlungslauf",-1930,[],"7b261590-386b-4094-8345-6ddd2965286d","2026-06-19T09:23:07.916Z",[],"blog/sepa-2026-datensatz-zahlungslauf",[5276,5277,5278],{"path":5274,"name":24,"lang":36,"published":24},{"path":5274,"name":24,"lang":31,"published":24},{"path":5274,"name":24,"lang":39,"published":24},[5280,5281,5282,5283],["Reactive",4253],["Reactive",4568],["Reactive",4055],["Reactive",3718],1786537571107]