Comfenalco
- Company typePrivate
- Founded1961
- HeadquartersCartagena, Colombia
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
Comfenalco firmographics
Firmographics- Name
- Comfenalco
- Legal name
- Caja de Compensación Familiar de Fenalco – Andi Comfenalco Cartagena
- Website
- https://comfenalco.com
- Company type
- Private
- Founded year
- 1961
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Comfenalco industry classification
Industry- Product category
- Family Compensation and Social Welfare Services
- NAICS
- Health and Welfare Funds (525120)
- SIC
- Services-Membership Organizations (8600)
- akta.pro primary industry
- Fiduciary Agency & Trustee-for-Hire Services (FSAAANAL)
Keywords
Where Comfenalco is headquartered
LocationHeadquarters
- HQ city
- Cartagena
- HQ country
- Colombia
- HQ region
- Latin America
Offices5 records
Markets served
Comfenalco business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others
Revenue model
- Employer Contributions (4% Payroll): Mandatory employer contributions at 4% of total payroll (ley 21 de 1982) from affiliated companies, representing the primary funding source for the Sistema de Subsidio Familiar.
- Social Services Revenue: Revenue from educational services (Ciudad Escolar Comfenalco, Cedesarrollo), recreational facilities (Takurika, hotels), cultural programs, and sports training.
- Credit Services: Interest income from Cupocrédito revolving credit, libranza payroll loans, Línea Express, and specialized credit products for education, tourism, events, and sports.
- Recreation and Tourism: Revenue from recreational facilities, event hosting, hotel operations (Hotel Corales de Indias), travel agency services, and recreational memberships.
- Education Services: Tuition and fees from Ciudad Escolar Comfenalco (K-12), Cedesarrollo technical programs, continuing education, and corporate training services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Cuota Monetaria Ordinaria - Monthly family subsidy for affiliated workers |
| Subscription | Monthly | Cuota por Beneficiario con Discapacidad - Enhanced subsidy for disabled dependents |
| One time/ perpetual license | Pay-as-you-go | Subsidio Extraordinario por Muerte - One-time death benefit |
| Subscription | Monthly | Cupocrédito Management Fee |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels7 records
Comfenalco product offering
Product offeringCore offering
Comfenalco is a Colombian Caja de Compensación Familiar that administers statutory family subsidies (monetary transfers to workers, spouses, and children), vocational and continuing education, recreation and tourism programs, credit and housing solutions, employment intermediation, and healthcare subsidies. It is funded primarily through mandatory employer payroll contributions and delivers benefits to affiliated workers, retirees, and their families, with employer-facing services such as ComfeWeb for affiliation and payroll management.
Product overview
Comfenalco Cartagena is a Colombian family compensation fund (Caja de Compensación Familiar) operating as a multi-service social welfare platform under Colombia's Subsidio Familiar system. Its product portfolio is structured as a platform-plus-services model centered on mandatory family compensation benefits (Subsidio Familiar / Cuota Monetaria), supplemented by a broad range of affiliated services spanning financial products (Cupocrédito revolving credit), education (Ciudad Escolar Comfenalco K–12 school and Cedesarrollo vocational training), recreation and tourism (Takurika resort, Hotel Corales de Indias, Jardín Botánico, travel agency), housing subsidies, employment services, sports and cultural programs, business development, and early childhood protection. Delivery is hybrid: a mobile app (App Comfenalco), a web employer portal (ComfeWeb / Oficina Virtual), and physical service centers across the Department of Bolívar including regional offices in Magangué, Carmen de Bolívar, and Santa Rosa del Sur.
Differentiator
Problem solved
Functional benefit
Brands
- Ciudad Escolar Comfenalco (CEC): Educational institution providing formal education from Preescolar to Media Académica
- Takurika
- Cedesarrollo
- Comfeweb
- Cupocrédito
- Hotel Corales de Indias
- App Comfenalco
Products and services
- Cuota Monetaria (Family Monetary Subsidy)
Quantifiable outcome
- Ranked 81st among Latin America's Best Workplaces in 2026 (Great Place to Work)
- +4 more outcomes
Companies that use Comfenalco
Customer profileNamed customers15 records
Segments5 records
Ideal customer profiles2 records
Comfenalco technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature3 records
Comfenalco partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Instituto Distrital de Deporte y Recreación (IDER)coreJoint organization of Carrera 3K: Una aventura sin límites inclusive sports event that brought together families, persons with disabilities, caregivers, and community members. The partnership promotes sports rights and recreation access for people with disabilities.
- Colectivo TRASOcoreCo-leadership of Ruta Académica 2026 (Ninth Academic Route for Social Transformation) under the theme Infancias 360°: Corresponsabilidad para el desarrollo con calidad. Jointly convened educators, public entities, academia, social organizations, and allies around early childhood development.
- ANDI (Asociación Nacional de Industriales)coreStrategic partnership since 1968 when ANDI joined Comfenalco to boost its objectives. ANDI is one of the founding parent organizations alongside Fenalco.
- Fenalco BolívarcoreOriginal founding partner. Fenalco (Federación Nacional de Comerciantes) initiated Comfenalco's creation on January 20, 1961.
- ASPAENminorEducational advisory partner from 1971-1973 that advised Comfenalco on establishing its initial education programs during the opening of Ciudad Escolar Comfenalco.
- Supertiendas OlímpicaminorMajor retail partner for Cupocrédito payment collection and cash advance services (up to 30% of assigned credit limit).
- Davivienda BankminorBanking partner for Cupocrédito collection through bank branches nationwide and banking correspondents. Also used for FOSFEC unemployment subsidy payments via Daviplata.
- Bureau VeritasminorInternational certification body providing ISO 9001:2015 quality management certification for Comfenalco's operational processes.
- Cámara de Comercio de CartagenaminorCommerce chamber alliance providing business support and affiliation services.
- AmCham Cartagena BolívarminorAmerican Chamber of Commerce membership providing networking and business development opportunities.
- AsocajasminorAssociation of compensation fund associations providing sector representation and best practice sharing.
- Superintendencia del Subsidio FamiliarcoreGovernment regulatory body overseeing compensation fund operations, created by Law 31 of 1984. Approves Comfenalco's statutes (Resolution 570 of 2011).
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Comfenalco competitors and assessment
Company assessmentOthers
- Asocajas: Industry association of Colombian Cajas de Compensación Familiar that Comfenalco belongs to; relevant as a sector-coordinating counterpart and benchmark for sector-level regulation and best practices.
Direct peers
- Comfenalco Antioquia: Sibling Caja operating under the same Comfenalco brand/regime in Antioquia — directly comparable on structure, services, regulatory exposure, and integrated platform model.
- Cafam: Bogotá-based Caja de Compensación Familiar operating a similar full-stack social-welfare platform (subsidies, education, recreation, hotels, credit) under the same Colombian Subsidio Familiar regime.
- Compensar: One of Colombia's largest Cajas de Compensación Familiar, based in Bogotá, offering the same integrated suite of family subsidies, education, recreation, credit, and healthcare — the closest direct structural peer to Comfenalco Cartagena.
- Comfandi: Valle del Cauca-based Caja with a comparable diversified service portfolio including education, recreation, credit, and healthcare; useful for benchmarking regional caja economics.
- Comfama: Antioquia-based Caja de Compensación Familiar widely regarded as the most innovative of the Colombian cajas; comparable integrated model (subsidies, education, health, recreation, housing) with a strong digital platform.
- Comfenalco Valle: Cali-based Comfenalco under the same national brand, operating subsidies, education, recreation, and credit services with comparable regulatory and operational profile.
- Colsubsidio: Bogotá-based Caja de Compensación Familiar operating education (Colegio Colsubsidio), recreation, retail, and credit lines directly comparable to Comfenalco's portfolio.
Regional players
- Comfiar: Arauca-based regional Caja comparable to Comfenalco Cartagena in scale and single-department footprint, useful as a size-tier peer.
- Comfaoriente: Norte de Santander regional Caja operating the same Subsidio Familiar framework; relevant for comparing regional cajas with diversified service offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Comfenalco social profiles
Digital presenceComfenalco compliance and trust
Trust signalCompliance4 records
Comfenalco financial estimates
Financial estimateRevenue estimate
Valuation estimate
Comfenalco leadership team
Management profileNumber of profiles
Profiles1 record
Comfenalco subsidiaries and ownership
Company hierarchySubsidiaries2 records
Comfenalco funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Comfenalco M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Comfenalco
What does Comfenalco do?
Comfenalco is a Colombian Caja de Compensación Familiar that administers statutory family subsidies (monetary transfers to workers, spouses, and children), vocational and continuing education, recreation and tourism programs, credit and housing solutions, employment intermediation, and healthcare subsidies. It is funded primarily through mandatory employer payroll contributions and delivers benefits to affiliated workers, retirees, and their families, with employer-facing services such as ComfeWeb for affiliation and payroll management.
Is Comfenalco a public or private company?
Comfenalco is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Comfenalco founded?
Comfenalco was founded in 1961. It employs 501 to 1,000 people.
Where is Comfenalco based?
Comfenalco is headquartered in Cartagena, Colombia, in the Latin America region.
How does Comfenalco make money?
Five revenue lines are on record. Employer Contributions (4% Payroll) is the primary driver. The others are social Services Revenue, credit Services, recreation and Tourism and education Services.
Who are Comfenalco's main competitors?
Asocajas is listed as an others. Direct peers are Comfenalco Antioquia, Cafam, Compensar, Comfandi, Comfama, Comfenalco Valle and Colsubsidio. Regional players are Comfiar and Comfaoriente.
Does Comfenalco have an API?
No public API is recorded for Comfenalco.
What industry is Comfenalco in?
Comfenalco's product category is Family Compensation and Social Welfare Services. Its primary akta.pro industry code is FSAAANAL, Fiduciary Agency & Trustee-for-Hire Services. Its NAICS code is 525120 and its SIC code is 8600.