Holded vs KashFlow Comparison
Compare Holded vs KashFlow features, pricing, and more.
Last updated: November 2026
Holded
6.1/10
Cloud business management suite from Barcelona that combines invoicing, accounting, Spanish tax filing, CRM, projects and HR for small and mid-sized Spanish businesses.
KashFlow
5.3/10
KashFlow is a UK cloud accounting package from IRIS for sole traders and small businesses. It covers invoicing, bank feeds, VAT filing, and basic payroll.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 5.3/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Cost | 6/10 | 8/10 |
| Customization | 6/10 | 3/10 |
| Ease of Use | 7/10 | 6/10 |
| Integration | 6/10 | 5/10 |
| Scalability | 5/10 | 3/10 |
| Security | 5/10 | 5/10 |
| Support | 5/10 | 3/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €15/mo Plus | £14/mo Starter |
| Estimated cost for 10 users | €199/mo Premium | £28/mo Business |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Financial Reporting | ||
| General Ledger | ||
| Inventory Accounting | ||
| Invoicing | ||
| Payroll | ||
| Tax Compliance | ||
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
Holded vs KashFlow cost by team size
| Team size | Holded | KashFlow |
|---|---|---|
| 1 user | €15/moPlus | £14/moStarter |
| 5 users | €99/moAvanzado | £28/moBusiness |
| 10 users | €199/moPremium | £28/moBusiness |
| 25 users | €15/moPlus | £28/moBusiness |
| 50 users | €15/moPlus | £28/moBusiness |
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 Holded
- Higher Customization score (6/10 vs 3/10)
- Higher Compliance score (8/10 vs 6/10)
Why choose KashFlow
- Higher Cost score (8/10 vs 6/10)
Pros & Cons
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.
KashFlow
Pros
- Low entry price, with steep introductory discounts for new customers
- Payroll for up to five employees is included rather than sold separately
- VAT management and online submission are built into both plans
- Stock control and multi-currency are included even on the cheapest plan
- Accountants can use KashFlow Connect at no charge
Cons
- The Starter plan caps invoices at 10 and bank reconciliation at 25 transactions, and allows only one user
- Reviewers call it too basic for medium-sized businesses and difficult to customise
- Very low Trustpilot rating (1.4) and app store ratings, with complaints about customer service
- The API is SOAP-based, and some reviewers say it integrates less well than rivals
Not sold on either?
Frequently Asked Questions
Holded scores higher on our Finance Software criteria: 6.1/10 against 5.3/10 for KashFlow. The largest gap is in Customization: 6/10 for Holded and 3/10 for KashFlow.
No, neither Holded nor KashFlow lists a free plan.
