Buyer's checklist

10 red flags before you buy a small business in Spain or Portugal.

The traps below kill more small-business purchases than bad coffee ever will — and every one of them leaves traces in public records or in documents you are entitled to demand. Work through the list before any deposit moves. Print it, take it to the negotiation.

Fastest free start: paste the listing link on the homepage — your first pack builds itself in a minute.

01 The checklist

Each flag says what the trap is and what to demand. "Demand" means: in writing, before a deposit — a seller who resists producing paper is answering your question another way.

01The seller's debts can become yours

In Spain, taking over an activity can make you jointly liable for the seller's tax debts (Art. 42.1.c LGT); unpaid social-security contributions are a separate track with their own succession rules. Portugal has its own succession tail when an establishment changes hands. The debt doesn't stay with the person who ran it up — it follows the business you just bought.

DemandIn Spain: the seller's written consent — then you request the AEAT certificado de sucesión de actividad yourself. Art. 175.2 LGT gives that right to "el que pretenda adquirir", the prospective acquirer, not the seller. Plus a TGSS certificate. In Portugal: certidões de não dívida from AT and Segurança Social. Dated, before the deposit.

02The lease is not automatically yours

A traspaso or trespasse is not a new lease. In Spain, LAU Art. 32 may let a business lease be assigned without the landlord's consent — but notice is required, the landlord can typically raise the rent, and the lease's own wording can change the picture entirely. Buy the business without being sure of the premises and you bought a menu.

DemandThe full current lease, and the landlord's position on the transfer in writing — not the seller's summary of it.

03Licences may not travel with the sale

The activity licence is tied to the premises and its conditions — and a terrace on public ground (ocupación de vía pública) is a municipal concession to a specific operator, often not transferable at all. Terrace seating can be half of a café's real capacity.

DemandThe licence documents themselves, plus written confirmation from the town hall of what transfers and what must be re-applied for.

04The person selling may not fully own it

Companies have registered owners, and owners have spouses, partners and powers-of-attorney. Registry filings show who actually holds the business and who has authority to sell it — sometimes a minority partner or a marriage-property regime stands between the handshake and a valid sale.

DemandA current registry extract (Registro Mercantil in Spain; the company's publications record in Portugal) matching the name on the contract.

05Court cases don't appear in the ad

Seizures, insolvency filings and live litigation sit in public court records before the money moves. A Portuguese court annulled a restaurant sale after creditors surfaced the day after closing — the judicial seizure had been on record and checkable the whole time (the court record, broken down).

DemandTime to check court and insolvency records on both the entity and the owner — and treat any pressure to skip this step as a flag in itself.

06Staff come with the business

Employees transfer with their seniority, contracts and accrued rights (Art. 44 ET) — and in Spain a buyer who continues the business can also be pursued, by statute, for the previous owner's unpaid social-security contributions (Art. 142.1/168 LGSS; how successor debt works). Three long-serving staff can mean a five-figure employment liability if the transfer is mishandled.

DemandA staff list with contract types, seniority dates and salaries, plus the social-security position on contributions.

07The till and the tax returns tell different stories

In cash businesses the seller's claimed takings and the declared figures often diverge. The declared numbers are the only ones a bank, a court or a tax office will recognise — don't price the deal on takings the records can't support.

DemandVAT returns and filed accounts — not spreadsheets, not photos of a full terrace.

08Count the competitors before you count the profit

Micro-markets saturate fast: one small town with nine near-identical venues means everyone is splitting the same customers. The listing's "steady clientele" may be arithmetic that stopped working two openings ago.

DemandNothing from the seller — walk the map yourself. Count the same-category businesses in the real catchment area, note their ratings and their prices.

09Rent can quietly eat the whole business

Compare the full rent — all charges included — against realistic takings. When rent climbs into double-digit percentages of revenue, the "profitable little place" may in effect be working for the landlord, and no amount of new energy changes that lease.

DemandThe exact rent with every charge and scheduled increase, in the lease itself — then do the division before you fall in love.

10A deposit before the certificates is a payment for hope

Sequence is everything: certificates and registry checks first, deposit after. "Reserve it now, the papers will come" reverses that order and shifts the risk entirely onto you — the pressure itself is diagnostic.

DemandA written condition that any reservation payment is refundable until the documents on this list are produced and check out.

General information, not legal advice — rules differ by region and by contract, so verify how each point applies to your transaction with a licensed local professional. Court-record sources for the cases mentioned are documented in the Field Notes.

02 The done-for-you version

This list tells you where to look.
A screen actually looks — and signs its name.

These are the kinds of checks I run — against Spanish and Portuguese registries, court records, the seller's documents and the deal's own numbers — delivered as a written memo — Deal Screens and Reality Checks personally signed. Screens start at €99; turnaround depends on the tier.