Assembly vs Holded: Complete Comparison (2026)
An in-depth comparison of Assembly and Holded to help you choose the right tool for your business.
Last updated: November 2026
Assembly
6.3/10
Assembly, formerly Copilot, is a branded client portal for service businesses. It combines messaging, a lightweight CRM, billing, files, tasks and an AI app builder.
Holded
5.9/10
Cloud business management suite from Barcelona that combines invoicing, accounting, Spanish tax filing, CRM, projects and HR for small and mid-sized Spanish businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.3/10 | 5.9/10 |
| Analytics | 4/10 | 6/10 |
| Cost | 5/10 | 6/10 |
| Customization | 6/10 | 6/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 6/10 | 6/10 |
| Scalability | 6/10 | 5/10 |
| Security | 8/10 | 5/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $49/mo Starter | €15/mo Plus |
| Estimated cost for 10 users | Contact for pricing | €199/mo Premium |
| Features | ||
| Team messaging | Not listed | |
| File sharing | Not listed | |
| Client collaboration | Not listed | |
| App integrations | Not listed | |
| Task lists | Not listed | |
| Gantt charts | Not listed | |
| Task management | Not listed | |
| Time tracking | Not listed | |
| Workflow automation | Not listed | |
| Collaboration tools | Not listed | |
| Invoicing | Not listed | |
| Accountant Access | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Expense Management | Not listed | |
| Payroll | Not listed | |
| General Ledger | Not listed | |
| Tax Compliance | Not listed | |
| Bank Reconciliation | Not listed | |
Assembly vs Holded cost by team size
| Team size | Assembly | Holded |
|---|---|---|
| 1 user | FreeFree | €15/moPlus |
| 5 users | Contact for pricing | €99/moAvanzado |
| 10 users | Contact for pricing | €199/moPremium |
| 25 users | Contact for pricing | €15/moPlus |
| 50 users | Contact for pricing | €15/moPlus |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Assembly
- Has a free plan (Holded does not)
- Higher Security score (8/10 vs 5/10)
- Higher Support score (7/10 vs 5/10)
- Better fit for enterprise (5/10 vs 2/10)
Why choose Holded
- Higher Analytics score (6/10 vs 4/10)
- Higher Cost score (6/10 vs 5/10)
- Better fit for small business (9/10 vs 7/10)
Pros & Cons
Assembly
Pros
- Reviewers say a non-technical team can launch a polished, branded client portal quickly.
- Messaging, a CRM, invoicing, contracts, forms and files share one client login.
- A free plan and no-contract self-serve billing make it easy to test.
- SOC 2 Type II, AES-256 encryption at rest and a HIPAA BAA on Advanced suit regulated firms.
Cons
- Project management is basic, with no Gantt charts or dependencies.
- There is no native time tracking or scheduling.
- Automations lack conditional branching, and there is no native mobile app.
- Reviewers report a high cost and friction with international invoicing.
Holded
Pros
- Generates Spanish VAT and income tax forms automatically from invoice and expense data, with VeriFactu included on every plan.
- Puts invoicing, accounting, CRM, projects and HR in one product, so a small Spanish company can replace several tools.
- Partner accounting firms get their own profile without using up a user seat.
- Native Shopify, WooCommerce and Amazon sync sends sales straight into the books.
- A 14-day free trial with no card required, plus 50 percent off for the first three months.
Cons
- Full double-entry accounting only begins at the 59 euro Estándar plan.
- Inventory, payroll, POS and SII are paid Gems that push the real cost above the listed price.
- Paying annually gives no discount, and each plan caps the number of invoices per calendar year.
- Automated tax filing only works for businesses based in Spain.
- Reviewers say support is slow at tax deadlines and the mobile app does less than the web version.
Not sold on either?
Frequently Asked Questions
Assembly scores higher on our CRM criteria: 6.3/10 against 5.9/10 for Holded. The largest gap is in Security: 8/10 for Assembly and 5/10 for Holded.
Assembly has a free plan; Holded does not list one.
Assembly is the better fit for enterprise: we rate it 5/10 for them, against 2/10 for Holded.
