{"id":10670,"date":"2024-12-27T09:19:54","date_gmt":"2024-12-27T09:19:54","guid":{"rendered":"https:\/\/www.sage.com\/pt-pt\/blog\/?p=10670"},"modified":"2025-01-20T16:51:11","modified_gmt":"2025-01-20T16:51:11","slug":"controlo-de-receitas-e-despesas-do-seu-negocio","status":"publish","type":"post","link":"https:\/\/www.sage.com\/pt-pt\/blog\/controlo-de-receitas-e-despesas-do-seu-negocio\/","title":{"rendered":"Saiba como controlar os rendimentos e os gastos do seu neg\u00f3cio"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/category\/dinheiro-e-poupanca\/\" class=\"entry-header__link\">Dinheiro e Poupan\u00e7a<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tSaiba como controlar os rendimentos e os gastos do seu neg\u00f3cio\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2024-12-27T09:19:54+00:00\">Dezembro 27, 2024<\/time><\/span><span class=\"reading-time\"> minutos de leitura<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Saiba como controlar os rendimentos e os gastos do seu neg\u00f3cio\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/pt-pt\/blog\/controlo-de-receitas-e-despesas-do-seu-negocio\/\"\n\t\t\tdata-share-text=\"Por favor, leia este artigo interessante\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partilhar<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copiar link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copiada<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/pt-pt\/blog\/author\/josearaujo\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/10\/Foto-JA-350x350.jpg\" class=\"entry-author__image\" alt=\"Sage\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/10\/Foto-JA-350x350.jpg 350w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/10\/Foto-JA-768x768.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/10\/Foto-JA-810x810.jpg 810w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2025\/10\/Foto-JA.jpg 1093w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Jos\u00e9 Ara\u00fajo<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fazer-o-controlo-de-receitas-e-despesas-do-seu-negocio-e-fundamental-para-alcancar-a-estabilidade-financeira-monitorizar-os-rendimentos-e-os-gastos-permite-identificar-oportunidades-de-poupanca-otimizar-os-lucros-e-garantir-o-equilibrio-financeiro-nbsp\" style=\"font-style:normal;font-weight:100\">Fazer o controlo de receitas e despesas do seu neg\u00f3cio \u00e9 fundamental para alcan\u00e7ar a estabilidade financeira. Monitorizar os rendimentos e os gastos permite identificar oportunidades de poupan\u00e7a, otimizar os lucros e garantir o equil\u00edbrio financeiro.&nbsp;<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explicamos como fazer o controlo de receitas e despesas do seu neg\u00f3cio e apresentamos estrat\u00e9gias pr\u00e1ticas para facilitar a gest\u00e3o financeira.<\/li>\n\n\n\n<li>Ao implementar t\u00e9cnicas de controlo financeiro e automatizar processos, ser\u00e1 mais f\u00e1cil identificar desvios e corrigir as estrat\u00e9gias rapidamente.<\/li>\n<\/ul>\n\n\n\n<p>Na <strong>determina\u00e7\u00e3o dos objetivos de qualquer neg\u00f3cio<\/strong> consta, em primeiro lugar, a remunera\u00e7\u00e3o do investidor, ou seja, a obten\u00e7\u00e3o de lucro.<\/p>\n\n\n\n<p>Nem sempre se consegue apurar lucro, ou seja, obter rendimentos do neg\u00f3cio superiores aos gastos. Por exemplo, nos primeiros anos da atividade, <strong>durante os quais \u00e9 necess\u00e1rio obter reconhecimento dos clientes e os gastos s\u00e3o elevados<\/strong>, ou num per\u00edodo de grandes investimentos, ou at\u00e9 de crises c\u00edclicas.<\/p>\n\n\n\n<p>Por isso, \u00e9 fundamental implementar um plano de controlo de receitas e despesas. Este plano deve ser constantemente monitorizado e ajustado conforme necess\u00e1rio, de forma a <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/calcular-margem-de-lucro\/\">alcan\u00e7ar resultados positivos<\/a>.<\/p>\n\n\n\n<p><em><mark class=\"highlight-and-share\"><strong>COMPARTILHA! <\/strong>N\u00e3o perca o controlo das finan\u00e7as do seu neg\u00f3cio! Descubra como gerir receitas e despesas de forma eficiente e garanta o sucesso da sua empresa.<\/mark><\/em><\/p>\n\n\n\n<p><strong>CONTE\u00daDO DO POST<\/strong><\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#gestao-de-rendimentos\" data-level=\"2\">Gest&atilde;o de rendimentos<\/a><\/li><li><a href=\"#gestao-de-gastos\" data-level=\"2\">Gest&atilde;o de gastos<\/a><\/li><li><a href=\"#o-resultado-do-negocio\" data-level=\"2\">O resultado do neg&oacute;cio<\/a><\/li><\/ul><\/div>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>D\u00ea o pr\u00f3ximo passo na gest\u00e3o financeira do seu neg\u00f3cio! Experimente o <a href=\"https:\/\/www.sage.com\/pt-pt\/produtos\/sage-one\/\">Sage One<\/a> e controle as suas receitas e despesas de forma simples, eficiente e automatizada. Garanta o crescimento do seu neg\u00f3cio hoje mesmo!<\/p><\/blockquote><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"gestao-de-rendimentos\">Gest\u00e3o de rendimentos<\/h2>\n\n\n\n<p>Num neg\u00f3cio, <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/analise-custo-beneficio-como-utilizar-esta-ferramenta-de-gestao\/\"><strong>os rendimentos s\u00e3o gerados<\/strong><\/a>, tipicamente, atrav\u00e9s das vendas e da presta\u00e7\u00e3o de servi\u00e7os, o volume de neg\u00f3cios.<\/p>\n\n\n\n<p>H\u00e1, assim, que determinar os objetivos relacionados com os bens a vender ou os servi\u00e7os a prestar, definindo as metas, tendo em considera\u00e7\u00e3o, as quantidades, os pre\u00e7os, a pol\u00edticas de descontos e promo\u00e7\u00f5es e as devolu\u00e7\u00f5es. Por exemplo:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"717\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Gestao_de_rendimiento.jpg\" alt=\"Sage\" class=\"wp-image-10742\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Gestao_de_rendimiento.jpg 1200w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Gestao_de_rendimiento-768x459.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Para garantir o correto controlo de receitas, <strong>\u00e9 necess\u00e1rio ponderar decis\u00f5es como:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A que clientes vamos vender e prestar os servi\u00e7os?<\/li>\n\n\n\n<li>\u00c9 poss\u00edvel vender as quantidades previstas?<\/li>\n\n\n\n<li>Os pre\u00e7os unit\u00e1rios s\u00e3o adequados para defender as margens, s\u00e3o concorrenciais, o cliente est\u00e1 disposto a pagar o pre\u00e7o?<\/li>\n\n\n\n<li>A pol\u00edtica de descontos \u00e9 apropriada tendo em considera\u00e7\u00e3o as margens de cada produto e as quantidades a vender?<\/li>\n\n\n\n<li>Temos uma pol\u00edtica definida e adequada de devolu\u00e7\u00f5es?<\/li>\n\n\n\n<li>Temos possibilidade de vender as horas previstas em servi\u00e7os a prestar?<\/li>\n\n\n\n<li>A pol\u00edtica de descontos est\u00e1 definida e \u00e9 adequada?<\/li>\n<\/ul>\n\n\n\n<p>Depois de definir o plano de rendimentos, \u00e9 necess\u00e1rio <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/os-6-parametros-que-a-sua-empresa-de-servicos-deve-monitorizar\/\">monitorizar<\/a>, apurando desvios e tomando as medidas corretivas adequadas face \u00e0 execu\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"gestao-de-gastos\">Gest\u00e3o de gastos<\/h2>\n\n\n\n<p>Para executar o plano de neg\u00f3cios, <strong>\u00e9 essencial fazer o controlo de despesas<\/strong>, ou seja, controlar os gastos necess\u00e1rios \u00e0 opera\u00e7\u00e3o. Os gastos incluem:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O custo das vendas: seja por produ\u00e7\u00e3o interna ou aquisi\u00e7\u00e3o a terceiros, o pessoal.<\/li>\n\n\n\n<li>Os gastos correntes (fornecimentos e servi\u00e7os de terceiros): rendas, servi\u00e7os diversos, honor\u00e1rios.<\/li>\n\n\n\n<li>Consumos diversos: \u00e1gua e energia, combust\u00edveis, seguros (fornecimentos e servi\u00e7os de terceiros)<\/li>\n\n\n\n<li>Outros gastos e perdas em clientes n\u00e3o receb\u00edveis e em stocks n\u00e3o vend\u00e1veis (imparidades).<\/li>\n<\/ul>\n\n\n\n<p>Tamb\u00e9m h\u00e1 que definir metas e monitorizar os gastos justific\u00e1veis face aos rendimentos previstos, por exemplo:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"978\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Gestao_de_gastos.jpg\" alt=\"Sage\" class=\"wp-image-10745\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Gestao_de_gastos.jpg 1200w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Gestao_de_gastos-768x626.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Gestao_de_gastos-994x810.jpg 994w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>\u00c9 <strong>necess\u00e1rio controlar os gastos<\/strong>, nomeadamente se:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Os pre\u00e7os de aquisi\u00e7\u00e3o s\u00e3o os mais adequados face \u00e0s margens pretendidas?<\/li>\n\n\n\n<li>Est\u00e3o considerados todos os custos de compra?<\/li>\n\n\n\n<li>Obtemos descontos juntos dos fornecedores?<\/li>\n\n\n\n<li>O pessoal est\u00e1 ajustado \u00e0s necessidades efetivas do neg\u00f3cio?<\/li>\n\n\n\n<li>Qual \u00e9 a pol\u00edtica de remunera\u00e7\u00f5es, de promo\u00e7\u00f5es e os pr\u00e9mios de desempenho?<\/li>\n\n\n\n<li>Os custos com aquisi\u00e7\u00f5es externas justificam-se para o neg\u00f3cio e s\u00e3o suportados com pre\u00e7os competitivos?<\/li>\n\n\n\n<li>Os gastos s\u00e3o fixos ou vari\u00e1veis?<\/li>\n\n\n\n<li>As pol\u00edticas de concess\u00e3o de cr\u00e9dito e cobran\u00e7as aos clientes \u00e9 adequada?<\/li>\n\n\n\n<li>Os stocks est\u00e3o controlados e geridos com efici\u00eancia?<\/li>\n<\/ul>\n\n\n\n<p>Depois de definir os gastos com o neg\u00f3cio, \u00e9 necess\u00e1rio monitorizar, apurando desvios e tomando as medidas corretivas adequadas face \u00e0 execu\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"o-resultado-do-negocio\">O resultado do neg\u00f3cio<\/h2>\n\n\n\n<p>O apuramento do resultado do neg\u00f3cio faz-se pela <strong>dedu\u00e7\u00e3o aos rendimentos, dos gastos suportados com o neg\u00f3cio.<\/strong><\/p>\n\n\n\n<p>Este resultado interm\u00e9dio designa-se por \u201c<strong>EBITDA<\/strong> \u2013 Earnings before interests, taxes, depreciations &amp; amortizations\u201d, ou seja, rendimentos depois de encargos de financiamento, imposto e deprecia\u00e7\u00f5es e amortiza\u00e7\u00f5es, neste caso:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"563\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_01.jpg\" alt=\"Sage\" class=\"wp-image-10746\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_01.jpg 1200w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_01-768x360.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>As necessidades de investimento e o financiamento e os resultados&nbsp;<\/p>\n\n\n\n<p>H\u00e1 ainda que tomar em considera\u00e7\u00e3o que a empresa tem necessidade de usar investimentos no mesmo per\u00edodo, o que vai gerar <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/depreciacao-amortizacao-impacto-financeiro\/\">gastos de deprecia\u00e7\u00e3o e amortiza\u00e7\u00e3o<\/a>, que o neg\u00f3cio tamb\u00e9m tem de suportar. Ap\u00f3s esta dedu\u00e7\u00e3o, apura-se o resultado operacional (EBITDA).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"484\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_02.jpg\" alt=\"Sage\" class=\"wp-image-10747\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_02.jpg 1200w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_02-768x310.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Dever\u00e1 depois ser considerado a exist\u00eancia de financiamentos por recurso a capitais alheios (financiadores), que geram gastos de financiamento como juros, comiss\u00f5es, despesas administrativas, imposto de selo, o que permite apurar o resultado antes de impostos.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"484\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_03.jpg\" alt=\"Sage\" class=\"wp-image-10748\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_03.jpg 1200w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_03-768x310.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Finalmente, devemos ainda apurar o imposto sobre o per\u00edodo (<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/como-racionalizar-o-irc-reduzir-as-correcoes-fiscais-e-verificar-o-cumprimento-das-normas-contabilisticas\/\">IRC<\/a>, Derramas) e a <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/tributacao-autonoma-i\/\">Tributa\u00e7\u00e3o Aut\u00f3noma<\/a>, para apurar o resultado l\u00edquido.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"484\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_04.jpg\" alt=\"Sage\" class=\"wp-image-10749\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_04.jpg 1200w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/12\/SGE_BLOG_Resultado_do_negocio_04-768x310.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>O resultado l\u00edquido assim apurado representa o ganho do investidor e com o qual se remunera o investimento no neg\u00f3cio. A decis\u00e3o sobre a atribui\u00e7\u00e3o de dividendos \u00e9 da responsabilidade da assembleia geral da sociedade.<\/p>\n\n\n\n<p>Uma alternativa \u00e9 a n\u00e3o distribui\u00e7\u00e3o total ou parcial de dividendos e optar-se por refor\u00e7ar o capital pr\u00f3prio da sociedade e assim a sua autonomia financeira e solvabilidade.<\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Receba a newsletter Sage Advice<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Inscreva-se para receber o boletim do Sage\u00a0Advice e receba os conselhos mais recentes diretamente no seu e-mail.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-56228f27-e58f-435b-9b72-a561d684e263\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscrever<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1073868226-1215x810.jpg\" class=\"single-cta__image\" alt=\"Rapaz ao telefone no seu escrit\u00f3rio\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1073868226-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Saiba mais sobre os t\u00f3picos mencionados neste artigo<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/tag\/contabilidade\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tContabilidade\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/tag\/tomar-decisoes-financeiras\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tTomar Decis\u00f5es Financeiras\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Aprofunde o seu conhecimento<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-13938 post type-post status-publish format-standard has-post-thumbnail hentry category-estrategia-legal-e-processos tag-contabilidade tag-estrategia tag-tecnologia business_type-pequenas-empresas card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1441453430-1215x810.jpg\" class=\"card-post__image\" alt=\"Um rapaz de cor com um grupo de colegas numa empresa, a assistir a uma apresenta\u00e7\u00e3o.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1441453430-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1441453430-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1441453430-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recomendado<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-19T10:21:08+01:00\">Maio 19, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">5 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/novo-sistema-deposito-reembolso\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tNovo Sistema de Dep\u00f3sito e Reembolso: O que muda para o seu neg\u00f3cio?\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tO novo Sistema de Dep\u00f3sito e Reembolso afeta vendas, stocks e contabilidade. Prepare a sua empresa com antecipa\u00e7\u00e3o.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">Artigos mais recentes<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-6680 post type-post status-publish format-standard has-post-thumbnail hentry category-estrategia-legal-e-processos tag-contabilidade tag-cumprir-legislacao tag-financas tag-ies business_type-pequenas-empresas industry-servicos-financeiros\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/a-ies-o-deposito-legal-das-contas-e-as-liquidacoes-oficiosas\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1159610631-684x384.jpg\" class=\"card-post__image\" alt=\"Dois colegas de trabalho sentados a rever documentos juntos\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1159610631-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1159610631-768x432.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1159610631-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-11T16:06:03+01:00\">Maio 11, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">8 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tIES: O que precisa saber sobre o dep\u00f3sito de contas e o risco fiscal\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-13817 post type-post status-publish format-standard has-post-thumbnail hentry category-tecnologia-e-inovacao tag-analise-de-dados tag-tecnologia tag-tomar-decisoes-financeiras business_type-pequenas-empresas\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/reporting-financeiro-automatico-decisoes-rapidas\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/03\/Sage_BrandShootNC_Feb2024_Accountants_0316-684x384.jpg\" class=\"card-post__image\" alt=\"Uma empreendedora conversa com o seu assessor, discutindo estrat\u00e9gias de neg\u00f3cios em um ambiente profissional.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/03\/Sage_BrandShootNC_Feb2024_Accountants_0316-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/03\/Sage_BrandShootNC_Feb2024_Accountants_0316-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2024\/03\/Sage_BrandShootNC_Feb2024_Accountants_0316-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-04-22T08:49:53+01:00\">Abril 22, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tComo integrar reporting financeiro autom\u00e1tico para decis\u00f5es mais r\u00e1pidas\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-13612 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca tag-financas tag-poupanca-nas-empresas tag-tomar-decisoes-financeiras business_type-pequenas-empresas\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/reservas-financeiras-poupanca-real-riscos-empresa\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1457297900-684x384.jpg\" class=\"card-post__image\" alt=\"Sage\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1457297900-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1457297900-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1457297900-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-02-25T09:52:47+00:00\">Fevereiro 25, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">5 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tComo saber se a empresa est\u00e1 realmente a poupar ou apenas a adiar problemas\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-4409 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca category-plano-de-negocios tag-empreendedorismo tag-estrategia tag-poupanca-nas-empresas tag-rentabilidade tag-tomar-decisoes-financeiras business_type-pequenas-empresas business_type-medias-empresas\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/controlar-gastos-negocio\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2019\/04\/GettyImages-583665183_super-684x384.jpg\" class=\"card-post__image\" alt=\"Pasteleira faz bolos\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2019\/04\/GettyImages-583665183_super-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2019\/04\/GettyImages-583665183_super-768x585.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2019\/04\/GettyImages-583665183_super-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-02-23T08:21:59+00:00\">Fevereiro 23, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">5 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tComo controlar os gastos do seu neg\u00f3cio\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Saiba como fazer o controlo de receitas e despesas do seu neg\u00f3cio e descubra pr\u00e1ticas eficazes para gerir melhor as finan\u00e7as.<\/p>\n","protected":false},"author":1164,"featured_media":7283,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"footnotes":""},"categories":[14],"tags":[52,76],"business_type":[2],"context":[],"industry":[],"persona":[],"imagine_tag":[169],"coauthors":[497],"class_list":["post-10670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dinheiro-e-poupanca","tag-contabilidade","tag-tomar-decisoes-financeiras","business_type-pequenas-empresas"],"sage_meta":{"region":"pt-pt","author_name":"Jos\u00e9 Ara\u00fajo","featured_image":"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1136798406.jpg","imagine_tags":{"169":"Pequenas Empresas"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Portugal","distributor_original_site_url":"https:\/\/www.sage.com\/pt-pt\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts\/10670","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/users\/1164"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/comments?post=10670"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts\/10670\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media\/7283"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media?parent=10670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/categories?post=10670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/tags?post=10670"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/business_type?post=10670"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/context?post=10670"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/industry?post=10670"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/persona?post=10670"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/imagine_tag?post=10670"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/coauthors?post=10670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}