Holded vs Acumatica
Last updated October 2026
Looking for a European alternative to Acumatica? Here's how Holded compares, on EU hosting, GDPR and what it does.
Our pick for a European buyer: Holded. We weight data residency, GDPR and EU jurisdiction above everything else — that is the constraint this directory exists to solve.
What it is
All-in-one ERP for SMEs with invoicing, accounting and CRM
Cloud ERP for mid-sized businesses with financial, distribution, and CRM modules.
Headquarters
🇪🇸 ES
🇺🇸 US · 2007
EU data residency
Yes, for all customers
Available on some plansEU data residency available on request for Acumatica Cloud ERP.
DSGVO / GDPR
Yes
Yes
Certifications
No
ISO 27001, SOC 1 Type II, SOC 2 Type II, PCI DSS
Price from
€15/mo
No
Free plan
No
No
Open Source
No
No
Integrations
Shopify, WooCommerce, PrestaShop, Wix, Amazon +22
Salesforce, Microsoft Dynamics 365, Shopify, HubSpot, QuickBooks +1
Where each one wins
Holded
Strengths
- +Intuitive and quick to learn for invoicing, expenses and basic accounting
- +All-in-one platform combining invoicing, accounting, banking, inventory, CRM, projects and HR
- +Time-saving automation for recurring invoices, payment reminders and billing
- +Strong fit for SMEs and freelancers, especially in Spain
- +Modern, user-friendly interface for everyday workflows
Limitations
- −Support can be slow or difficult to reach, with mixed experiences reported
- −Pricing and plan limits (e.g., invoices, users, features) may become costly as needs grow
- −Limited flexibility for advanced workflows, report customization and exports
Acumatica
Strengths
- +Strong financial and distribution modules
- +Highly customizable workflows
- +Robust compliance and security certifications
- +Scalable for growing businesses
Limitations
- −Steep learning curve for new users
- −Complex setup and configuration
- −Limited built-in reporting tools
- −Higher cost for advanced features
Data residency & compliance
Holded
Acumatica
EU data residency
Yes, for all customers
Available on some plansEU data residency available on request for Acumatica Cloud ERP.
Transfer mechanism
Not required — data stays in the EU
not established
Sub-processors
not established
not established
Certifications
No
ISO 27001, SOC 1 Type II, SOC 2 Type II, PCI DSS
Pricing
Holded
- Plus €15 per monthInvoicing and documents · Banking and cash flow · First 3 months at 50% off
- Basic €29 per monthAll Plus features · CRM and sales funnel · Project profitability tracking
- Standard €59 per monthAll Basic features · Inventory management · Advanced accounting
- Advanced €99 per monthAll Standard features · HR and payroll · Multi-user access
- Premium €199 per monthAll Advanced features · POS system · Priority support
Prices exclude VAT. First 3 months at 50% off. 14-day free trial, no credit card required.
Acumatica
No published pricing we could verify.
Pricing is tailored and available on request.
Features
Holded
- Invoicing and documents
- Sales and purchase invoices, simplified invoices, pro forma invoices and quotes, Custom numbering and fields, 50+ document templates, Payment methods
- Accounting and taxes
- Accounting entries, Reconciliation suggestions, Automatic completion of VAT forms 303, 369, 390, 347, 349, Automatic completion of IRPF forms 111, 115, 123, 130, 180, 190
- Banking and cash flow
- Automatic bank synchronization, Connections to 300+ banks, Cash flow tracking, Reconciliation rules
- CRM and sales
- Sales funnel, Contact management, Deal tracking
- Projects, inventory and HR
- Project profitability tracking, Purchase orders, Product price rates, lot or serial-number details, Payroll recording (individual or bulk import)
Acumatica
- Financial Management
- General ledger, Accounts payable and receivable, Multi-currency support, Tax management
- Distribution Management
- Inventory management, Order management, Procurement, Warehouse management
- Customer Relationship Management (CRM)
- Contact management, Opportunity tracking, Sales automation, Marketing automation
- System and Integration
- Role-based access control, Workflow automation, Customizable dashboards, API access
- Compliance and Security
- GDPR compliance, ISO 27001 certified, SOC 2 Type II certified, PCI DSS compliant