{"id":4406,"date":"2024-11-08T09:16:50","date_gmt":"2024-11-08T09:16:50","guid":{"rendered":"https:\/\/sage.local\/en-au\/blog\/?p=4406"},"modified":"2024-11-08T09:23:40","modified_gmt":"2024-11-08T09:23:40","slug":"que-informacoes-devem-incluir-num-orcamento","status":"publish","type":"post","link":"https:\/\/www.sage.com\/pt-pt\/blog\/que-informacoes-devem-incluir-num-orcamento\/","title":{"rendered":"Fazer un or\u00e7amento: Que informa\u00e7\u00f5es devem incluir para impressionar os clientes?"},"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\/crescimento-de-negocio-e-clientes\/\" class=\"entry-header__link\">Crescimento de Neg\u00f3cio e Clientes<\/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\tFazer un or\u00e7amento: Que informa\u00e7\u00f5es devem incluir para impressionar os clientes?\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 \">Publicado em <time class=\"entry-date published\" datetime=\"2024-11-08T09:16:50+00:00\">Novembro 8, 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=\"Fazer un or\u00e7amento: Que informa\u00e7\u00f5es devem incluir para impressionar os clientes?\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/pt-pt\/blog\/que-informacoes-devem-incluir-num-orcamento\/\"\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-ao-fazer-um-orcamento-e-importante-considerar-a-personalizacao-da-proposta-para-atender-as-necessidades-especificas-do-cliente-e-primeira-oportunidade-que-tem-de-lhe-proporcionar-uma-experiencia-satisfatoria\">Ao fazer um or\u00e7amento, \u00e9 importante considerar a personaliza\u00e7\u00e3o da proposta para atender \u00e0s necessidades espec\u00edficas do cliente. \u00c9 primeira oportunidade que t\u00eam de lhe proporcionar uma experi\u00eancia satisfat\u00f3ria.<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O grau de customiza\u00e7\u00e3o da proposta \u00e0s necessidades espec\u00edficas do cliente pode significar o n\u00edvel de interesse que temos na rela\u00e7\u00e3o que se pretende estabelecer.\u00a0<\/li>\n\n\n\n<li>Aprender a fazer um or\u00e7amento que destaque as qualidades do seu neg\u00f3cio pode ser crucial.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Todas as informa\u00e7\u00f5es que se possam recolher sobre as motiva\u00e7\u00f5es e a <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/os-novos-perfis-de-consumidor-como-adaptar-o-neg-cio-aos-consumidores-do-futuro\/\">situa\u00e7\u00e3o do cliente<\/a> podem ser determinantes para a apresenta\u00e7\u00e3o de uma boa proposta, que conduza ao estabelecimento de um novo neg\u00f3cio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O cliente vai valorizar o esfor\u00e7o que fazemos em entender as suas necessidades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Argumentem o vosso trabalho de <strong>forma clara e concisa<\/strong>, mas que, ao mesmo tempo, deixe o cliente completamente esclarecido. Que informa\u00e7\u00f5es devem, ent\u00e3o, incluir num or\u00e7amento?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><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=\"#informacoes-basicas-ao-fazer-un-orcamento\" data-level=\"2\">Informa&ccedil;&otilde;es b&aacute;sicas ao fazer un or&ccedil;amento<\/a><\/li><li><a href=\"#itens-essenciais-para-fazer-un-orcamento-detalhado\" data-level=\"2\">Itens essenciais para fazer un or&ccedil;amento detalhado<\/a><\/li><li><a href=\"#valor-do-orcamento\" data-level=\"2\">Valor do or&ccedil;amento<\/a><\/li><li><a href=\"#modalidades-e-datas-de-pagamento-ao-fazer-um-orcamento\" data-level=\"2\">Modalidades e datas de pagamento ao fazer um or&ccedil;amento<\/a><\/li><li><a href=\"#prazo-de-entrega-e-transportes\" data-level=\"2\">Prazo de entrega e transportes<\/a><\/li><li><a href=\"#condicoes-pos-venda\" data-level=\"2\">Condi&ccedil;&otilde;es p&oacute;s-venda<\/a><\/li><li><a href=\"#outras-informacoes\" data-level=\"2\">Outras informa&ccedil;&otilde;es<\/a><\/li><li><a href=\"#grelha-de-seriacao-de-fornecedores\" data-level=\"2\">Grelha de seria&ccedil;&atilde;o de fornecedores<\/a><\/li><\/ul><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.sage.com\/pt-pt\/produtos\/sage-50cloud\/\">Facilite a cria\u00e7\u00e3o e gest\u00e3o de or\u00e7amentos com Sage 50cloud! Organize e personalize os detalhes financeiros de forma \u00e1gil e precisa.<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"informacoes-basicas-ao-fazer-un-orcamento\">Informa\u00e7\u00f5es b\u00e1sicas ao fazer un or\u00e7amento<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ao fazer um or\u00e7amento, \u00e9 essencial incluir informa\u00e7\u00f5es b\u00e1sicas que identifiquem claramente quem paga e quem trabalha. Devem deixar claro <strong>quem<\/strong> <strong>paga e quem trabalha<\/strong>, por isso, \u00e9 necess\u00e1rio distinguir entre:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Os\u00a0vossos <strong>dados ou da vossa empresa<\/strong>: nome, morada, n\u00famero de contribuinte, capital social, conservat\u00f3ria de registo e contactos.<\/li>\n\n\n\n<li>Os\u00a0<strong>dados do cliente<\/strong>:\u00a0nome, morada e n\u00famero de contribuinte.<\/li>\n\n\n\n<li><strong>Fontes de informa\u00e7\u00e3o<\/strong> para consulta: como s\u00edtios na internet onde possam consultar mais detalhes sobre o hist\u00f3rico da empresa, os produtos ou servi\u00e7os disponibilizados.<\/li>\n\n\n\n<li><strong>As suas motiva\u00e7\u00f5es<\/strong> como a miss\u00e3o, a vis\u00e3o e os valores.<\/li>\n\n\n\n<li><strong>Dados econ\u00f3micos e financeiros<\/strong>.<\/li>\n\n\n\n<li><strong>Posicionamento em <\/strong><a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/a-integracao-das-redes-sociais-no-erp-um-passo-decisivo-num-ambiente-colaborativo\/\"><strong>redes sociais<\/strong><\/a>, com boas recomenda\u00e7\u00f5es de clientes satisfeitos.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"itens-essenciais-para-fazer-un-orcamento-detalhado\">Itens essenciais para fazer un or\u00e7amento detalhado<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 aqui que descrevem o trabalho que se prop\u00f5em a realizar. Incluam os <strong>diferentes produtos que ir\u00e3o vender <\/strong>ou servi\u00e7os que desempenhar\u00e3o, com dados acerca do tempo e <strong>materiais de que v\u00e3o precisar<\/strong>, n\u00famero de unidades, <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/como-calcular-o-preco-da-mao-de-obra\/\">custos associados e m\u00e3o-de-obra<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 prov\u00e1vel que o <strong>cliente tenha solicitado v\u00e1rios or\u00e7amentos<\/strong>, logo, este \u00e9 o campo indicado para se destacarem da concorr\u00eancia e acrescentarem valor ao pedido realizado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O cliente deve sentir as <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/ha-coisas-que-nao-tem-preco-clientes-satisfeitos-e-uma-delas\/\">suas expetativas superadas<\/a>. O grau de detalhe e a customiza\u00e7\u00e3o demonstram ao cliente um empenho na rela\u00e7\u00e3o e um profissionalismo na apresenta\u00e7\u00e3o dos produtos ou servi\u00e7os.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Os clientes devem sentir seguran\u00e7a na capacidade de entregar os servi\u00e7os ou produtos na quantidade e qualidade desejadas.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"valor-do-orcamento\">Valor do or\u00e7amento<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uma vez decidido o pre\u00e7o, <strong>devem detalh\u00e1-lo e fazer um resumo das taxas<\/strong> e do IVA a que o valor estar\u00e1 sujeito., mas tamb\u00e9m de quaisquer outros impostos ou taxas que se devam cobrar, distinguindo claramente qual \u00e9 <strong>pre\u00e7o a cobrar pela empresa<\/strong> e o que s\u00e3o taxas e imposto devidos ao estado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deve tamb\u00e9m indicar os <strong>procedimentos a seguir<\/strong> no caso de altera\u00e7\u00f5es das especifica\u00e7\u00f5es da entrega dos bens ou servi\u00e7os como as quantidades ou a qualidade prevista.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"modalidades-e-datas-de-pagamento-ao-fazer-um-orcamento\">Modalidades e datas de pagamento ao fazer um or\u00e7amento<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na hora de fazer um or\u00e7amento, podem definir o <strong>m\u00e9todo de pagamento antecipado <\/strong>(transfer\u00eancia banc\u00e1ria, cheque ou numer\u00e1rio).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No caso do <strong>pagamento em numer\u00e1rio<\/strong>, \u00e9 importante ter em considera\u00e7\u00e3o os limites m\u00e1ximos previstos na legisla\u00e7\u00e3o tribut\u00e1ria (Artigo 63.\u00ba-E da LGT -1.000 \u20ac).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O cliente deve conhecer todas as <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/gerir-pagamentos-de-forma-integrada-tem-beneficios-para-clientes-e-empresas\/\">formas poss\u00edveis de fazer o seu pagamento<\/a>, de modo a <strong>facilitar a transa\u00e7\u00e3o<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e3o menos importante \u00e9 estabelecer desde logo as <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/estabelecer-termos-de-pagamento\/\">datas de pagamento<\/a> esperadas e eventuais condi\u00e7\u00f5es comerciais ao dispor do cliente como <strong>descontos comerciais<\/strong> (ex: de quantidade, de pre\u00e7o, de volumes, rappel) ou financeiros (em fun\u00e7\u00e3o do prazo de pagamento).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quando o montante \u00e9 elevado<\/strong>, inclui a compra de materiais ou a contrata\u00e7\u00e3o de terceiros, \u00e9 habitual pedir-se um adiantamento\/entrada. Fa\u00e7am-no neste campo, caso seja necess\u00e1rio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pode tamb\u00e9m ser importante definir desde logo as eventuais penalidades por <strong>atrasos no pagamento<\/strong> como a cobran\u00e7a de juros morat\u00f3rios ou taxas administrativas. \u00c9 preciso ter em considera\u00e7\u00e3o que <strong>um or\u00e7amento aceite tem o valor jur\u00eddico de um contrato<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"prazo-de-entrega-e-transportes\">Prazo de entrega e transportes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Outro item relevante no or\u00e7amento tem a ver com os <strong>prazos de entrega previstos<\/strong> e, no caso do transporte de bens, os meios e os custos aplic\u00e1veis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O cliente espera suprir as suas necessidades num prazo temporal definido. \u00c9 preciso determinar se as expetativas dos clientes est\u00e3o de acordo com as suas possibilidades.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"condicoes-pos-venda\">Condi\u00e7\u00f5es p\u00f3s-venda<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para al\u00e9m da <strong>satisfa\u00e7\u00e3o das suas necessidades imediatas<\/strong>, o cliente deve conhecer a forma como poder\u00e1 <strong>resolver eventuais problemas futuros<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 importante assegurar a forma como o cliente pode contar com a sua <strong>assist\u00eancia futura no suporte t\u00e9cnico<\/strong>, a continuidade do neg\u00f3cio, estabelecendo desde logo os pre\u00e7os e condi\u00e7\u00f5es desse servi\u00e7o complementar, incluindo a exist\u00eancia de eventuais garantias.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"outras-informacoes\">Outras informa\u00e7\u00f5es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O or\u00e7amento deve ser o mais claro, conciso e <strong>detalhado poss\u00edvel<\/strong>. Se necess\u00e1rio, acrescentem campos que ajudem a <strong>esclarecer ao m\u00e1ximo o cliente<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Falar das&nbsp;&#8211;&nbsp;condi\u00e7\u00f5es legais e esclarecimentos adicionais&nbsp;poder\u00e3o ser boas informa\u00e7\u00f5es complementares.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"grelha-de-seriacao-de-fornecedores\">Grelha de seria\u00e7\u00e3o de fornecedores<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Os clientes podem usar <strong>t\u00e9cnicas de seria\u00e7\u00e3o<\/strong> dos seus fornecedores, em fun\u00e7\u00e3o dos atributos que valorizam, pelo que devemos ser o mais completos poss\u00edvel na <strong>apresenta\u00e7\u00e3o da proposta<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemplo de grelha de seria\u00e7\u00e3o de fornecedores (\u201cscoring\u201d):<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXeJdX-gey6t0Uz9zqqVD8iDbXLSjGoGcbATO169Xec9jboh3kw0iTvXOKBV0RKPlEqBBMjYogMjzAJjCa7exwmKYmi6kb5xueqccrdseXVhqfC-N6TgAAtYfa6MY5jHUFlAqdhCTh8Md3hhBn3RmIxITBmNQ_oua-gUzQReWWNdspPBcvgQ_5I?key=QbfycLhsN9CG-HJgIciWaIlk\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ao fazer um or\u00e7amento, lembre-se de que a apresenta\u00e7\u00e3o pode definir o in\u00edcio de uma <strong>boa rela\u00e7\u00e3o comercial<\/strong>. O cliente deve receber todas as informa\u00e7\u00f5es necess\u00e1rias para avaliar de forma clara como os produtos ou servi\u00e7os propostos <strong>atender\u00e3o \u00e0s suas necessidades<\/strong>, al\u00e9m de outros atributos valorizados na compra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Nota do editor: <\/strong>Este artigo foi publicado anteriormente e atualizado para 2024 devido \u00e0 sua relev\u00e2ncia.<\/em><\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\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 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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\/analise-de-dados\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tAn\u00e1lise de dados\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\/business-intelligence\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBusiness Intelligence\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\/competitividade\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tCompetitividade\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\/despesas\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tDespesas\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-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 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\/2024\/03\/Sage_BrandShootNC_Feb2024_Accountants_0316-1215x810.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\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=\"2026-04-22T08:49:53+01:00\">Abril 22, 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\">6 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\/reporting-financeiro-automatico-decisoes-rapidas\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tComo integrar reporting financeiro autom\u00e1tico para decis\u00f5es mais r\u00e1pidas\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\tDescubra como o reporting financeiro autom\u00e1tico permite decis\u00f5es mais r\u00e1pidas com dados em tempo real e dashboards integrados.\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-4417 post type-post status-publish format-standard has-post-thumbnail hentry category-crescimento-de-negocio-e-clientes category-plano-de-negocios category-processos-do-negocio category-tecnologia-e-inovacao tag-captacao-de-clientes tag-competitividade tag-empreendedorismo tag-estrategia tag-investimento tag-pessoas 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\/fidelizar-clientes-com-pequenos-gestos\/\"\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-639095870-684x384.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-639095870-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-639095870-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-639095870-1215x810.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=\"2026-02-26T10:24:45+00:00\">Fevereiro 26, 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\tFideliza\u00e7\u00e3o de clientes: Pequenos gestos que fazem a diferen\u00e7a\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-13464 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca tag-competitividade tag-estrategia tag-financas 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\/gestao-custos-invisiveis-empresas\/\"\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-1271694534-684x384.jpg\" class=\"card-post__image\" alt=\"Sage\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1271694534-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1271694534-768x432.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1271694534-1440x810.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=\"2026-01-20T15:36:29+00:00\">Janeiro 20, 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\tGest\u00e3o de custos invis\u00edveis: identifique as fugas financeiras escondidas na sua empresa\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-4711 post type-post status-publish format-standard has-post-thumbnail hentry category-crescimento-de-negocio-e-clientes category-estrategia-e-planeamento-global category-estrategia-legal-e-processos category-processos-do-negocio tag-competitividade tag-gestao-de-stocks tag-gestao-empresas tag-rentabilidade tag-software tag-tecnologia tag-vendas 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\/calcular-custos-armazenamen\/\"\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-520705224-684x384.jpg\" class=\"card-post__image\" alt=\"armaz\u00e9m\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2019\/04\/GettyImages-520705224-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2019\/04\/GettyImages-520705224-768x585.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2019\/04\/GettyImages-520705224-1064x810.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=\"2026-01-14T09:48:39+00:00\">Janeiro 14, 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 calcular custos de armazenamento\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-4405 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca category-estrategia-legal-e-processos tag-contabilidade tag-cumprir-legislacao tag-despesas tag-financas tag-irs 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\/retencao-na-fonte\/\"\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-1318358062-684x384.jpg\" class=\"card-post__image\" alt=\"Pessoa sentada numa mesa com um port\u00e1til aberto, rodeada por caixas e prateleiras num armaz\u00e9m. No fundo, v\u00eaem-se trabalhadores com coletes de alta visibilidade a movimentar mercadorias.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1318358062-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1318358062-768x432.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1318358062-1440x810.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=\"2025-10-28T12:22:58+00:00\">Outubro 28, 2025<\/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\tA reten\u00e7\u00e3o na fonte: Entenda o que \u00e9 e como funciona\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 um or\u00e7amento eficaz e causar uma boa impress\u00e3o no cliente com informa\u00e7\u00f5es claras e bem estruturadas.<\/p>\n","protected":false},"author":1164,"featured_media":9543,"comment_status":"open","ping_status":"closed","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,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[13,14,26,23,24],"tags":[90,80,92,56],"business_type":[2],"context":[],"industry":[],"persona":[41],"imagine_tag":[157,149,167],"coauthors":[497],"class_list":["post-4406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crescimento-de-negocio-e-clientes","category-dinheiro-e-poupanca","category-estrategia-e-planeamento-global","category-plano-de-negocios","category-processos-do-negocio","tag-analise-de-dados","tag-business-intelligence","tag-competitividade","tag-despesas","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\/2023\/10\/GettyImages-875247398.jpg","imagine_tags":{"157":"Dinheiro e Poupan\u00e7a","149":"Fatura\u00e7\u00e3o Cloud","167":"Fazer crescer o neg\u00f3cio"}},"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\/4406","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=4406"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts\/4406\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media\/9543"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media?parent=4406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/categories?post=4406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/tags?post=4406"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/business_type?post=4406"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/context?post=4406"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/industry?post=4406"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/persona?post=4406"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/imagine_tag?post=4406"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/coauthors?post=4406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}