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ERP · head to head

Holded vs Unit4

Holded logo

Holded

ERP

Spanish cloud ERP for invoicing, accounting and business management for small companies

From
€7.5/month
Rated
-
Full reviewWebsite
Unit4 logo

Unit4

ERP

ERP for people-based organisations where the cost centre structure keeps changing

From
$800/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Holded prices exclude VAT; Unit4 manufacturing, warehouse management and supply chain planning are not the point of this product, so a business with significant inventory will find capability gaps that no amount of configuration closes.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Holded and Unit4 actually diverge.

Attributes where Holded and Unit4 differ
AttributeHoldedUnit4
Starting price€7.5/month$800/month
PlatformsWebCloud, Web, Mobile
FoundedUnknown1987

Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated), category (ERP).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Holded

Nothing recorded that Unit4 does not also cover.

Only in Unit4

  • Flexible organisational model
  • Project and time accounting
  • Financial management
  • Procurement
  • Human resources
  • Planning and forecasting
  • Reporting
  • Grant and fund accounting

What people use each for

The jobs each tool is most often brought in to do.

Holded

  • Managing bank reconciliation rules across multiple accountsnot Unit4
  • Scaling from 250 to unlimited invoices annually as business growsnot Unit4
  • Processing payroll and absences for teams of 5-50 peoplenot Unit4
  • Managing stock across multiple warehouses for distributionnot Unit4
  • Automating tax authority submissions for Spanish SMEsnot Unit4

Unit4

  • A university or public body whose funding structure and reporting hierarchy change more often than its accounting system can keep up withnot Holded
  • A professional services firm that needs time, project profitability and financials in one ledger rather than in three systemsnot Holded
  • A nonprofit or NGO accounting for restricted funds and reporting to donors on how each was spentnot Holded
  • An organisation going through a merger or restructure that needs comparative reporting across both the old and new structuresnot Holded

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Holded

  • Prices exclude VAT
  • Annual limits reset January to December
  • Invoice limits cap usage per tier

Unit4

  • Manufacturing, warehouse management and supply chain planning are not the point of this product, so a business with significant inventory will find capability gaps that no amount of configuration closes.
  • Payroll is generally handled by a separate product or a regional third party rather than being included, so multi-country organisations end up managing several payroll vendors alongside the ERP.
  • Moving from an established on premise Agresso installation to the current cloud product is closer to a re-implementation than an upgrade, with data migration, process redesign and retraining to pay for on a system that already worked.
  • The consulting and partner ecosystem is considerably smaller than for SAP, Oracle or Microsoft, so specialist skills are harder to hire, cost more, and are concentrated in a small number of firms with limited availability.
  • The flexibility that makes reorganisation cheap also makes it easy to build a model nobody understands, and an organisation that has reconfigured its hierarchy repeatedly without documentation ends up unable to explain its own reporting.

Pricing, plan by plan

Holded

€7.5/month
  • Plus$7.5/month
    • 250 invoices per year
    • 1 connected bank
  • Basic$14.5/month
    • 1,000 invoices per year
    • 5 connected banks
    • 2 users plus advisory
  • Standard$29.5/month
    • 3,000 invoices per year
    • Unlimited banks
    • 4 users plus advisory
  • Advanced$49.5/month
    • 10,000 invoices per year
    • Unlimited banks
    • 7 users plus advisory

Unit4

$800/month
  • Professional Services$800/month
    • Project accounting
    • Resource management
    • Time tracking
  • Enterprise$2000/month
    • Advanced features
    • Multi-entity
    • Analytics

Which should you pick?

Choose Holded if

Nothing in the data separates Holded from Unit4 on the points above - pick on price and on how each one feels to use.

Holded review

Choose Unit4 if

  • You need flexible organisational model.
  • You work on Cloud, Web, Mobile.
  • You also want project and time accounting.
Unit4 review

Questions people ask

Is Holded or Unit4 better?
Neither clearly leads. Holded starts at €7.5/month and Unit4 at $800/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Holded or Unit4?
Holded starts at €7.5/month and Unit4 at $800/month.
Does Holded or Unit4 run on more platforms?
Holded runs on Web. Unit4 runs on Cloud, Web, Mobile.
What is Holded best used for?
Holded is most often used for managing bank reconciliation rules across multiple accounts, scaling from 250 to unlimited invoices annually as business grows, processing payroll and absences for teams of 5-50 people, managing stock across multiple warehouses for distribution. Of those, managing bank reconciliation rules across multiple accounts and scaling from 250 to unlimited invoices annually as business grows are not what Unit4 is typically brought in for.
What can Holded do that Unit4 cannot?
Unit4 covers Flexible organisational model, Project and time accounting, Financial management, Procurement.

Answered from the vendors’ own pages

Holded: Does Holded offer annual billing discounts?

Yes, Holded offers 50% discount for the first 3 months across all plans. Additionally, annual billing provides savings compared to monthly plans.

Source
Unit4: Is Unit4 ERP the same thing as Agresso?

Yes, in lineage. Agresso is the earlier name for the same product line and long-standing customers still use it. Current marketing uses Unit4 ERP, and the cloud product is a substantially different deployment from the on premise Agresso installations still in service.

Holded: What add-ons does Holded offer?

Holded offers optional add-on modules: Inventory (25 EUR/month), Team Pro (1.50 EUR per employee per month), Payroll (5 EUR per employee per month), and POS (25 EUR per store per month).

Source
Unit4: Can it run a manufacturing business?

Not well. This product is built for organisations whose cost base is people and projects. If your planning problem is materials and production capacity, look at a manufacturing ERP instead.

Holded: What are the invoice limits per plan?

Invoice limits vary by plan: Plus (250/year), Basic (1,000/year), Standard (3,000/year), Advanced (10,000/year), and Premium (unlimited).

Source
Unit4: What actually justifies the price against a mainstream ERP?

The cost of change. If your structure is stable, the flexibility is worth little and a mainstream product is cheaper. If you reorganise regularly and each reorganisation currently means a consultancy engagement, that recurring cost is where the business case sits.

Unit4: Is it sold direct or through partners?

Both. Unit4 sells and implements direct in its main markets and also works with partners. Ask which model applies to your region and country, because it determines who is accountable when the implementation slips.

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