ACE-Guarulhos

What ACE-Guarulhos does

ACE-Guarulhos (Associação Comercial e Empresarial de Guarulhos) is a non-profit commercial association founded in 1972 and headquartered in Guarulhos, São Paulo, Brazil. The association serves local small and medium enterprises and liberal professionals in Guarulhos, offering a bundled portfolio of business services including credit analysis, digital certificates, international trade documentation, legal advisory, networking events, recruitment, telemedicine, education, and venue rentals. It operates as a membership-based organization with monthly contributions scaled to each member company's registered capital (capital social), supplemented by transaction-based fees on specific services. The association is currently operating under provisional management (gestão provisória) with Silvio Alves as president for the 2024-2025 term and reported its first quarterly surplus under that structure in early 2026.

The association's core product suite centers on credit risk management through a deep integration with Boa Vista (Equifax), offering Família Define Positivo (B2B) and Família Acerta Positivo (B2C) credit analysis reports plus a Gerenciamento de Carteira (portfolio monitoring) service with daily email alerts on rating changes, cadastral updates, and fraud signals. Supporting services include Certificate of Origin issuance for international trade (R$35 per certificate plus R$10 per attachment, processed within 24 business hours), Certisign digital certificates (A1 software-based and A3 token/card-based), JUCESP business registration, CEJUSC alternative dispute resolution, trademark filing assistance, two rentable event spaces (Auditório Luis Roberto Mesquita, 100 seats, and Espaço Multiuso Dr. Álvaro Bernardino, 40 seats), and the AceWebTV in-house podcast/video platform producing 336+ episodes across 30+ themed programs. Digital engagement channels include a WhatsApp business line (11 2137-9333), a member portal, a blog with 1,945+ posts, and partnerships that extend the association into financial services (Sicredi, ACCredito, Prospera, Caixa Varejo), health (Unimed), benefits (Newbe), and education (Faculdade do Comércio FAC-SP).

ACE-Guarulhos generates revenue through five main streams: recurring membership contributions (subscription), Certificate of Origin issuance fees (unit pricing), credit report fees with tier-based and positive/negative data pricing (transaction-based), digital certificate sales as a Certisign authorized Registration Authority (transaction-based), and venue rental (unit pricing). Customer segments are primarily local SMEs and liberal professionals, organized into Núcleo Setoriais (sectoral business groups covering construction, sustainability, HR, condominiums, security, health, women's entrepreneurship, and young entrepreneurs). Notable named users span retail, consulting, real estate, credit analysis, export/trade, logistics, and industrial SMBs. Distribution is direct through the Guarulhos headquarters, via self-serve digital portals (website, WhatsApp, online certificate platforms), and through partner channels for specialized financial and certification services.

Name

ACE-Guarulhos

Legal name

Associação Comercial e Empresarial de Guarulhos

Website

https://aceguarulhos.com.br

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

11–50 employees

Short description

ACE-Guarulhos is a non-profit commercial association founded in 1972 in Guarulhos, Brazil, serving local SMEs and liberal professionals with credit analysis, digital certificates, trade documentation, legal advisory, networking events, recruitment, education, and venue rentals through a membership-based model.

Ownership category

akta.pro rank

Product category

Business Association Services

NAICS

Convention and Trade Show Organizers (56192), Professional, Scientific, and Technical Services (541)

SIC

Services-Membership Organizations (8600), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Compliance, Risk & Supplier Due Diligence (KYC/ESG/Sanctions) (BPAAAJAK)

Keywords

• Commercial association services
• Business networking events
• Credit analysis reports
• Certificate of origin
• Digital certificate issuance

Headquarters

HQ city

Guarulhos

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Contributions (Contribuição Associativa): Monthly fees charged to member companies, with amounts scaled according to the company's registered capital (capital social). Membership enrollment is free, but ongoing monthly contributions fund the association's operations and services.
2. Certificate of Origin Issuance: Revenue from issuing Certificates of Origin for export documentation. Priced at R$35.00 per certificate plus R$10.00 per attachment. Payment via cash, check, or invoiced against the next associative contribution.
3. Credit Analysis Services (Define Positivo / Acerta Positivo): Revenue from providing credit analysis and scoring reports for businesses and consumers. Clients are billed per report consumed, with pricing varying by report tier.
4. Digital Certificate Issuance (Certificados Digitais): Revenue from selling digital certificates (Certisign) through the association as an authorized Registration Authority. ACE serves as an issuance point for certificate validation and onboarding.
5. Venue and Space Rental: Revenue from renting the association's multi-use space and auditorium (Espaço Multiuso Dr. Álvaro Bernardino and Auditório Luis Roberto Mesquita) to members and external parties for events, training, and meetings, with exclusive pricing for associates.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

ACE-Guarulhos is a non-profit commercial association that delivers a portfolio of member services to local SMEs and liberal professionals, including B2B and B2C credit analysis reports (Define Positivo and Acerta Positivo, powered by Boa Vista), Certificate of Origin issuance for exporters, Certisign digital certificates (A1/A3) as an authorized Registration Authority, event venue rental, trademark registration assistance, JUCESP and CEJUSC service points, legal advisory, telemedicine, and an in-house podcast studio (AceWebTV). Members pay scaled monthly contributions and access preferential pricing across an integrated partner ecosystem.

Product overview

ACE-Guarulhos is a commercial and business association (Associação Comercial e Empresarial de Guarulhos) offering a broad portfolio of member services rather than a unified software platform. The core products center on credit analysis and risk management — specifically the Família Define Positivo and Família Acerta Positivo suites powered by Boa Vista data, plus a Gerenciamento de Carteira (portfolio monitoring) service. Supporting services include Certificados Digitais (digital certificates via Certisign as an Autoridade de Registro), Certificado de Origem for international trade, e a network of Nucleos Setoriais (sectoral business groups). Digital engagement channels include AceWebTV (a proprietary podcasting and video platform with 15+ themed shows) and Telemedicina. Additional member benefits encompass space rental (Auditório and Espaço Multiuso), ACCelular corporate telephone services, ACE Legal advisory, Instituto Talentos recruitment, trademark registration, and JUCESP business registration. The FAC-SP commerce college adds an educational dimension. The eba! Benefícios card program aggregates partner discounts across services, health, education, and retail.

Differentiator

Problem solved

Functional benefit

Products and services

• Família Define Positivo (Boa Vista) - B2B Credit Analysis A suite of B2B credit analysis and scoring reports (Define Risco Positivo, Define Negócio Positivo, Define Limite) built on Boa Vista's data and analytics engine, enabling companies to assess creditworthiness, set credit limits, and make informed lending decisions for business clients. Targeted at businesses evaluating other businesses.
• Família Acerta Positivo (Boa Vista) - B2C Consumer Credit Analysis A suite of B2C consumer credit analysis reports (Acerta Essencial Positivo, Acerta Mais Positivo, Acerta Completo Positivo) powered by Boa Vista, providing score, behavioral data, income estimation, and fraud alerts to help businesses evaluate individual consumer credit risk. Targeted at companies assessing individual consumers (CPF).
• Gerenciamento de Carteira (Portfolio Monitoring) A portfolio monitoring and client risk management tool that delivers daily email alerts on rating changes, cadastral updates, and fraud signals for a managed client database. For businesses with ongoing credit exposure to a portfolio of clients.
• Certificados Digitais (Certisign) Digital certificate issuance service (Certisign) offered through ACE-Guarulhos as an Autoridade de Registro, providing A1 (software-based, 1-year) and A3 (token/card-based, 3-year) certificates for electronic document signing, NF-e, and online transactions. Targeted at businesses and professionals needing fiscal-compliance e-signatures.
• Certificado de Origem (Certificate of Origin) Certificate of origin issuance for international trade, enabling export duty exemptions and reductions under international trade agreements, processed through an online platform with 24-hour release. Targeted at exporters and importers.
• Locação de Espaços (Venue Rental) Event venue rental service offering two facilities at ACE-Guarulhos headquarters: the Auditório Luis Roberto Mesquita (3rd floor, 100 seats, full AV) and the Espaço Multiuso Dr. Álvaro Bernardino (2nd floor, 40 seats), both available with exclusive pricing for members. Targeted at businesses needing meeting and event spaces.
• eba! Benefícios (Member Benefits Card) A member benefits card program offering discounts and exclusive deals with 50+ partner businesses across categories including services, health, education, retail, and entertainment. Targeted at ACE-Guarulhos members and their employees.
• Telemedicina (Telemedicine) A telemedicine service providing remote medical consultations for members and their employees, accessible through an online store. Targeted at member companies offering health benefits to employees.
• ACE Legal (Legal Advisory) Legal advisory services offered to ACE-Guarulhos members through a dedicated contact platform, providing consultive legal support for business matters. Targeted at SME owners and liberal professionals.
• Instituto Talentos (Recruitment Platform) A talent recruitment and job posting platform allowing member companies to post vacancies and receive pre-qualified candidate referrals. Targeted at member companies seeking talent.
• Faculdade do Comércio FAC-SP (Higher Education) A higher education institution (Faculdade do Comércio) affiliated with the association, offering vocational and commercial education programs with preferential pricing for ACE-Guarulhos members. Targeted at professionals and member-company employees seeking continuing education.
• Telefonia Corporativa (ACCelular) Corporate telephone and mobile services offered through ACCelular, providing cost-reduction solutions for business telecommunications with claims of up to 30% savings on bills. Targeted at member companies seeking telecom cost optimization.
• Posto da JUCESP (Business Registration Service Point) A JUCESP (São Paulo Board of Trade) service point located at ACE-Guarulhos, enabling local business registration and company incorporation filing without travel to São Paulo. Targeted at member companies and new entrepreneurs.
• Registro de Marcas (Trademark Registration) Trademark registration assistance service, guiding ACE-Guarulhos members through the filing and granting process for brand protection. Targeted at businesses registering or protecting brands.

Quantifiable outcome

• Clients sell up to 40% more using the Score Positivo from Boa Vista's Define Positivo
• +3 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature2 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Boa Vista (Equifax)coreTechnology or IntegrationACE-Guarulhos integrates Boa Vista's credit analysis and scoring solutions (Define Positivo, Acerta Positivo, and portfolio management tools) to offer members credit risk assessment, positive credit data, and fraud detection. This is a foundational service offering for the association's member base.
• CertisigncoreTechnology or IntegrationACE-Guarulhos serves as an authorized Registration Authority (Autoridade de Registro) for Certisign digital certificates. The association provides in-person certificate validation and issuance support, offering A1 and A3 digital certificates to businesses and professionals.
• ACCreditocoreChannel Partner/ Reseller/ DistributorACCredito is a digital credit platform offered as a partnership to ACE-Guarulhos members, providing access to credit products and financial services. Referenced as a key partnership in the association's solutions portfolio.
• ProsperacoreChannel Partner/ Reseller/ DistributorACE-Prospera is a payment machine solution with embedded technology offering installment payments, bill payment, traffic tickets, and mobile recharge up to 21x on all cards. Includes cashback on sales and free electricity. Offered exclusively to ACE members.
• Unimed SaúdecoreChannel Partner/ Reseller/ DistributorUnimed health plan partnership providing preferential health insurance conditions for ACE-Guarulhos members and their employees. Listed as a key partnership in the benefits section.
• Newbe BenefíciosminorChannel Partner/ Reseller/ DistributorNewbe is an employee benefits platform offered to ACE members, providing discounts and benefits programs for employees of member companies. Referenced in the NRH (Human Resources Nucleus) launch.
• FAC-SP (Faculdade do Comércio)coreStrategic or Co-development PartnerFaculdade do Comércio de São Paulo (FAC-SP) is a higher education institution partnered with ACE-Guarulhos, offering members preferential pricing on courses and educational programs. The association promotes FAC-SP programs through AceWebTV's Soluções ACE podcast and other channels.
• Instituto TalentoscoreStrategic or Co-development PartnerInstituto Talentos is a talent development and recruitment platform partnered with ACE-Guarulhos, enabling member companies to post job vacancies and receive pre-qualified candidates. The service is promoted as part of the association's solutions portfolio.
• ACE ParcelarminorChannel Partner/ Reseller/ DistributorACE Parcelar is an installment payment solution offered by the association, allowing members to split payments on association services and partner offerings.
• Posto da JUCESPcoreChannel Partner/ Reseller/ DistributorACE-Guarulhos hosts a JUCESP (Junta Comercial de São Paulo) service point, enabling member companies to register businesses, file documents, and access commercial registry services locally without traveling to São Paulo.
• Posto CEJUSCminorChannel Partner/ Reseller/ DistributorCEJUSC (Centro Judiciário de Solução de Conflitos) service point at ACE-Guarulhos provides alternative dispute resolution services for members, facilitating conflict mediation and negotiation support.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Sicredi: Brazilian financial cooperative partnership offered to ACE-Guarulhos members for banking, credit, and savings products. As a delivery partner Sicredi is cooperative, but its expanding digital SME banking suite could compete with portions of ACE-Guarulhos' financial services member benefits.

Broad incumbents

• Certisign: Brazil's leading digital certificate authority, for which ACE-Guarulhos acts as an Autoridade de Registro. Certisign could expand direct-to-consumer issuance channels, reducing dependence on association intermediaries like ACE-Guarulhos.
• Boa Vista (Equifax Brasil): Brazilian credit bureau that powers ACE-Guarulhos' Define Positivo and Acerta Positivo products. While a partner today, Boa Vista directly sells similar credit report and scoring services to end businesses, making it both a supplier and a potential competitive substitute.
• ApexBrasil: Brazilian trade and investment promotion agency supporting exporters, including Certificate of Origin-related services for international trade. Represents a public-sector channel that competes with ACE-Guarulhos' Certificate of Origin revenue line.
• FECOMERCIO-SP: São Paulo state federation of commerce, providing labor union representation, training (Sesc/Senac), and member services to commercial businesses. Overlaps with ACE-Guarulhos' representation and training mandates, but at a state federated level.
• SEBRAE: Brazil's national SME support service, providing training, advisory, and credit access to micro and small businesses. Differs from ACE-Guarulhos in being government-funded and free, but addresses overlapping customer needs (training, networking, growth advisory) for the same SME demographic.
• Fenacon: National federation of accounting services firms in Brazil, providing advocacy, training, and member services. Comparable to ACE-Guarulhos as a member-driven professional services association serving overlapping SME demographics, especially given the CONEXÃO CONTÁBIL podcast content.

Regional players

• CIEE: Brazilian Center for Integration of Enterprises and Education, providing internship and youth training programs. Comparable to ACE-Guarulhos' Instituto Talentos recruitment nucleus in serving hiring and talent development needs of member SMEs, though with a national rather than local scope.

Direct peers

• Associação Comercial de São Paulo (ACSP): The largest commercial association in São Paulo state, offering Certificate of Origin, digital certificates, legal services, and credit analysis to member businesses. Operates an identical business association model to ACE-Guarulhos but at a far larger scale across São Paulo city and state, representing the most direct structural comparator.
• Câmara de Dirigentes Lojistas (CDL): Brazilian federation of retail-oriented business associations providing credit analysis (SCPC/SPC Brazil), certificate issuance, and member services to retail SMEs. Highly comparable to ACE-Guarulhos in member service mix and SME orientation, with a national footprint rather than a single municipality.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/aceguarulhos
• Instagraminstagram.com/aceguarulhos
• Xx.com/aceguarulhos

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 ACE-Guarulhos