What Comfasucre does

Comfasucre (Caja de Compensación Familiar de Sucre) is a private, non-profit family compensation fund (caja de compensación familiar) established approximately in 1960 and headquartered in Sincelejo, Colombia. It operates under Colombian labor law and is supervised by the Superintendencia de Subsidio Familiar, holding exclusive territorial coverage of the Sucre department. The organization is funded primarily by a mandatory 4% employer contribution on payroll for each affiliated worker, supplemented by fees from service programs including tourism, education, credit, and recreational facilities.

Comfasucre delivers a vertically integrated portfolio of social welfare services through five wholly-owned subsidiaries: EPS Comfasucre (health), Institución Educativa Comfasucre (K-12 education, ISO 21001 certified), Centro Recreacional Los Campanos (recreation), Intecomfa (technology training), and Agencia de Empleo – FOSFEC (employment placement and unemployment protection). Core products include family monetary subsidies (cuota monetaria, currently 38,485 COP per beneficiary), housing subsidies for new, used, and home-improvement purchases, credit services, corporate wellness programs (Más Bienestar), and a discount network (Privilegios). Distribution combines a single Sincelejo headquarters, online self-service portals at online.comfasucre.com, physical recreational and educational facilities, and direct employer enrollment.

The business model is essentially a regulated, subscription-like revenue stream: every formal employer in Sucre must affiliate and contribute, and workers receive benefits in proportion to tenure and dependents. The customer base spans dependent workers, independent workers, pensioners, unemployed cesantes, and corporate employer accounts. The organization markets through its website, social media, a news blog, and community events such as housing fairs and employment encounters, and participates in national programs including FOSFEC (under Decree 488/2020) and Canasta de Paz led by the Superintendencia de Subsidio Familiar.

Name

Comfasucre

Legal name

Caja de Compensación Familiar de Sucre

Website

https://comfasucre.com.co

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

101–250 employees

Short description

Comfasucre is a Colombian non-profit family compensation fund serving workers, families, and employers in the Sucre department, funded by mandatory 4% employer payroll contributions and delivering housing subsidies, education, health, recreation, tourism, credit, and employment services.

Ownership category

akta.pro rank

Product category

Family Compensation and Social Welfare Services

NAICS

Health and Welfare Funds (525120), Educational Services (611), Grantmaking and Giving Services (81321)

SIC

Personal Credit Institutions (6141), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Donor-Advised Fund (DAF) Sponsors (BPAGAKAF)

Keywords

• Family compensation services
• Housing subsidy programs
• Social welfare benefits
• Employment agency services
• Recreational facilities

Headquarters

HQ city

Sincelejo

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Employer Payroll Contributions: Colombian cajas de compensación receive mandatory 4% employer contributions on payroll for each affiliated worker. These funds are redistributed as family subsidies, housing assistance, educational services, recreation, and other social benefits to member families.
2. Service Fees and Programs: Revenue generated through various service programs including tourism packages, educational services, credit facilities, and recreational facilities (Centro Recreacional Los Campanos) offered to affiliated families.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Comfasucre (Caja de Compensación Familiar de Sucre) is a Colombian family compensation fund that provides integrated social welfare benefits to affiliated workers, pensioners, and their families in the Sucre department. Its core offerings include family monetary subsidies, housing subsidies, credit services, an educational institution, employment agency services (FOSFEC), tourism packages, and recreational facilities (Centro Recreacional Los Campanos), all funded primarily through mandatory 4% employer payroll contributions.

Product overview

Comfasucre is a Family Compensation Fund (Caja de Compensación Familiar) serving the Sucre department of Colombia. It operates as a multi-service social welfare organization offering a unified platform of benefits including family subsidies, housing assistance, credit services, employment agency services (FOSFEC), educational services through its own institution, tourism, recreation (Los Campanos center), and digital services. The portfolio is structured as a single integrated system with multiple service modules accessible both online and at physical locations, designed to serve affiliated workers, pensioners, and their families across the Sucre region.

Differentiator

Problem solved

Functional benefit

Products and services

• Subsidio Familiar (Family Subsidy) Family subsidy program providing monetary benefits (cuota monetaria) to affiliated dependent workers, independent workers, and pensioners, with payments to beneficiaries.
• Subsidio de Vivienda (Housing Subsidy) Housing subsidy program helping affiliated families acquire new homes, used homes, construct on their own land, or improve existing housing.
• Crédito (Credit Services) Credit services providing financial assistance and social loans to affiliated members.
• Institución Educativa Comfasucre K-12 educational institution with ISO 21001 certification, providing schooling for children of affiliated families, with campus facilities including a gymnasium and polideportivo.
• Agencia de Empleo - FOSFEC Employment agency providing job placement, training, and unemployment protection subsidies to displaced workers under Decree 488/2020.
• Turismo (Tourism) Tourism services offering international travel packages to destinations such as Turkey and Punta Cana, starting at $43,000 COP per person.
• Centro Recreacional Los Campanos Recreational center featuring pools, ecological trails, gym, football, tennis, basketball facilities, and event spaces for affiliated families.
• Privilegios (Discounts and Benefits Program) Discount and benefits program providing special offers and privileges to affiliated members through commercial partnerships.
• Intecomfa (Technology Training Center) Communication and technology center offering technology training and digital services to affiliated members.
• Más Bienestar (Corporate Well-being Program) Corporate well-being program offering training, business advisory services, and wellness initiatives for affiliated companies and employees.
• Afiliación (Affiliation Services) Affiliation services for dependent workers, independent workers, and pensioners to access all Comfasucre benefits.

Quantifiable outcome

• 71 housing subsidies delivered to families in 2026
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Universidad de Sucre (Unisucre)coreStrategic or Co-development Partner · 5 October 2020Partnership 'Unidos por la Empleabilidad' signed between Comfasucre and Universidad de Sucre to promote employment opportunities and workforce development in the department. Includes joint work tables between university and Comfasucre's Planning and Commercial Division.
• Camacol Córdoba y SucrecoreStrategic or Co-development Partner · 30 September 2019Strategic alliance between Comfasucre's housing department and Camacol (Cámara Colombiana de la Construcción) for housing fairs, information sessions on housing acquisition, and subsidy application guidance. First housing fair in 2019 attracted over 2,100 attendees.
• Banco Caja SocialminorStrategic or Co-development PartnerBank partnership for housing fair events where credit options and current rates are presented to potential beneficiaries. Collaborated in first housing fair providing pre-approval of more than 35 credits.
• Construction CompaniesminorChannel Partner/ Reseller/ Distributor15 construction companies participated in first housing fair presenting residential projects. Companies use Comfasucre housing subsidies as financing mechanism for home purchases.
• Expocuero EntrepreneursminorStrategic or Co-development PartnerArticulation with leather goods and footwear entrepreneurs in Coveñas. Comfasucre provides digital training to optimize commercialization and business growth for local entrepreneurs. Event achieved 4,200 million pesos in sales.
• FedecajasminorStrategic or Co-development PartnerFederation of Family Compensation Funds - national association of cajas de compensación that Comfasucre participates in. Hosts annual sports events (Juegos Nacionales Intercajas de la Confraternidad).
• AsopagosminorChannel Partner/ Reseller/ DistributorAssociation of payment processors partnering with Comfasucre for payment collection and disbursement services.
• Superintendencia de Subsidio FamiliarcoreOthersGovernment supervisory body for family compensation funds that leads national programs including Canasta de Paz, inviting cajas to contribute to social peace building through entrepreneurship support.
• Fondo de Solidaridad de Fomento al Empleo y Protección al Cesante (FOSFEC)coreOthersNational employment protection fund administered by cajas de compensación providing unemployment subsidies, job placement services, and training to displaced workers under Decree 488/2020.
• Caja de Compensación Familiar de Córdoba (Comfacor)minorStrategic or Co-development PartnerNeighboring caja de compensación in Córdoba department. Comfasucre donated humanitarian aid (food, medicine, hygiene products) to Comfacor for families affected by rains in Córdoba.
• Turismo del MorrosquillominorStrategic or Co-development PartnerTravel agency and tourism partner that serves as judge in Miss Comfasucre cultural pageant and manages tourism operations in the Gulf of Morrosquillo region.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Comfandi: Caja de Compensación Familiar serving Valle del Cauca with the same employer payroll contribution model, family subsidy distribution, housing programs, education, and recreation facilities. Operates under identical Colombian regulatory framework.
• Comfama: Antioquia-based Caja de Compensación Familiar operating the same mandated payroll contribution model with comparable service portfolio in education, housing, health, and recreation. Often cited as a benchmark caja for service quality in Colombia.
• Cafam: Bogotá-based Caja de Compensación Familiar offering the same mandated services plus extensive recreational facilities, education, and health services. Direct structural peer to Comfasucre under the same Colombian regulatory framework.
• Compensar: Bogotá-based caja offering the same family subsidy, housing, education, recreation, and employment services funded through 4% employer payroll contributions, but at significantly larger scale. Operates under the same Superintendencia de Subsidio Familiar oversight.
• Comfenalco Antioquia: One of Colombia's largest cajas, providing the same mandated family compensation services plus extensive education, health, recreation, and credit offerings in Antioquia. Operates under the identical regulatory framework as Comfasucre.
• Comfamiliar Risaralda: Risaralda-based caja offering the same family compensation, housing subsidies, education, health, and recreation services funded through 4% employer payroll contributions under the same Colombian caja framework.
• Comfacor (Caja de Compensación Familiar de Córdoba): Neighboring Sucre-region caja that Comfasucre has directly partnered with (donating humanitarian aid during emergencies). Operates the same mandated payroll-funded model with housing, education, health, and employment services in the Córdoba department.
• Comfamiliar Cartagena: Colombian Caja de Compensación Familiar serving the Bolívar/Cartagena region with the same 4% payroll contribution model, mandatory family subsidies, housing programs, education, health (EPS), and recreation services — directly comparable structure and product portfolio to Comfasucre.
• Caja de Compensación Familiar del Chocó (Comfachocó): Neighboring low-income Colombian department's caja, providing a structural comparison to Comfasucre given similar geographic and economic constraints, and operating the same mandated payroll-funded service model.
• Colsubsidio: Bogotá-based caja operating the same 4% payroll-funded model with family subsidies, housing programs, education (universidad propia), health, and extensive recreation services. Same regulatory and revenue structure as Comfasucre.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/comfasucre1
• YouTubeyoutube.com/channel/UC7A5CJi_ypqermNAV--60zg?view_as=subscriber
• Facebookfacebook.com/comfasucre
• Instagraminstagram.com/comfasucre

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Comfasucre