Use cases

Where a certificate is requested today, Govreader retrieves it at source

Six situations in which an official document decides the outcome.

Lending and mortgages

Verify income, employment stability and actual indebtedness before you lend. No waiting for the customer to gather paperwork, and no reliance on editable documents.

Typical documents

  • Personal income tax return (IRPF), latest tax year
  • Employment history report (vida laboral)
  • CIRBE risk report
  • Contribution bases report

Financing for the self-employed and SMEs

Assess a business’s real activity through its own tax filings, and confirm that it is up to date with the tax authority and Seguridad Social.

Typical documents

  • Filed form 130 (modelo 130)
  • Filed form 303 (modelo 303)
  • Filed form 390 (modelo 390)
  • Census status certificate
  • Certificate of compliance with tax obligations

Rental and proptech

Check a tenant’s solvency from their tax return, employment history or pension, without asking them to gather and send documents.

Typical documents

  • Personal income tax return (IRPF), latest tax year
  • Employment history report (vida laboral)
  • Certificate of pensions and benefits

Supplier approval

Request and renew your contractors’ and subcontractors’ compliance certificates without chasing them by email.

Typical documents

  • Certificate of compliance with tax obligations
  • Certificate of compliance with Social Security obligations
  • Census status certificate

Advisory firms and practice management software

Recover your clients’ filed returns and certificates without logging in to each electronic office, and integrate them into your own product.

Typical documents

  • Filed form 303 (modelo 303)
  • Filed form 390 (modelo 390)
  • Filed form 130 (modelo 130)
  • Personal income tax returns from previous tax years

Insurance and pensions

Tailor annuities, coverage and pension plans to the customer’s real situation: recognised pensions, benefits and contribution history.

Typical documents

  • Certificate of pensions and benefits
  • Unemployment benefits certificate
  • Contribution bases report

View the full catalogue

See Govreader with the documents of your sector

We will walk you through the complete flow — identification, request and response — using the cases that matter most to you.

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