Kokoro Net

What Kokoro Net does

Kokoro Net Group (こころネット株式会社) is a regional Japanese life-event services conglomerate headquartered in Fukushima City, operating across five prefectures in the Tohoku and Kanto regions (Fukushima, Ibaraki, Tochigi, Yamagata, and Yamanashi). The group's core business is funeral services, delivered through 36 funeral halls operated by subsidiary Tamanoya under the Kokoro Saien and Towanoie brands, with 24/7 availability and minimum 30-minute response capability. Supporting businesses include Heartline's prepaid mutual aid subscription plans (F1/F2/F3 tiers at 120,000-360,000 yen over 5-10 year installments), With Wedding's two ceremony venues (KIOKUNOMORI and KAI KORIYAMA), Fleur's flower wholesale and eco-paper coffin (Yushu) operations, Kanno Trading's stone materials and gravestones, Budatan Plaza Buddhist altar retail, and Memory Lead Life funeral insurance.

The business model combines one-time transactional revenue (funerals, weddings, altar/grave sales) with recurring subscription revenue (Heartline mutual aid monthly installments, Memory Lead Life insurance premiums). Go-to-market is direct-to-consumer through physical branch offices, in-person enrollment consultations, and a Heartline Partner corporate benefit program; the company does not disclose any proprietary technology platform, and digital channels are limited to a 24/7 flower wholesale e-commerce site and corporate websites. The group was historically listed on TSE Standard Market (ticker 6060) but became a wholly-owned subsidiary of San Holdings (燦ホールディングス, TSE Prime: 9628) via share exchange effective January 29, 2026, with ongoing subsidiary mergers and capital restructuring underway.

The customer base is individual Japanese consumers and families needing funeral, wedding, and memorial services, plus a small corporate channel via the Heartline Partner employee benefit program. Pricing tiers range from 130,000 yen for basic cremation to 578,600 yen for general funerals, with mutual aid contracts structured as 1,000-6,000 yen monthly installments. Customer testimonials emphasize responsiveness and compassionate service, consistent with the trust-driven nature of the category.

Name

Kokoro Net

Legal name

こころネット株式会社

Website

https://cocolonet.jp

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Kokoro Net is a Japanese life-event services group headquartered in Fukushima, providing funeral services through 36 halls, prepaid mutual aid plans, wedding venues, flower wholesale, and Buddhist memorial products across five prefectures in the Tohoku and Kanto regions.

Ownership category

akta.pro rank

Product category

Funeral and Life-Event Services

NAICS

Funeral Homes and Funeral Services (812210), Cemeteries and Crematories (812220), Burial Casket Manufacturing (339995), Trusts, Estates, and Agency Accounts (52592)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Final Expense / Burial Life Insurance (FSAIABAF)

akta.pro secondary industries

Vendor Sourcing & Management (Venues, Catering, Photo/Video, Music) (HSACABAG), Reception Planning & Guest Experience (Seating, Favors, Hospitality) (HSACABAM)

Keywords

• Funeral services
• Prepaid funeral plans
• Wedding venue services
• Mutual aid services
• Buddhist altar retail

Headquarters

HQ city

Fukushima

HQ country

Japan

HQ region

Asia

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Funeral Services: One-time funeral service fees collected at time of service delivery. Services include cremation, family funeral, general funeral, and company/organization funerals (shaso/godo-so).
2. Mutual Aid (Prepaid Funeral Plans): Monthly installment payment plans for future funeral services. Customers pay monthly premiums (1,000-6,000 yen/month) over 60-120 months to secure future funeral benefits. Three tiers available with contract amounts ranging from 120,000 to 360,000 yen.
3. Wedding Services: One-time wedding ceremony and reception services including venue rental, catering, dress rental, and related services through affiliated wedding venues (KIOKUNOMORI, KAI KORIYAMA).
4. Flower Wholesale and Arrangement: Wholesale flower sales to florists, funeral companies, and businesses. Online shop available 24/7 with delivery services. Also includes funeral altar flower arrangements and coffin (纸棺) products.
5. Insurance Products: Memory Lead Life - a small-amount short-term insurance product for funeral expenses. Accepts applications up to age 89, coverage from 300,000 to 3,000,000 yen in 100,000 yen increments.
6. Buddhist Altar and Grave Products: Sales of Buddhist altars, funeral goods, grave stones, and related memorial products through Budatan Plaza locations.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Kokoro Net Group delivers a full lifecycle of Japanese ceremonial and life-event services. The flagship business, Tamanoya, operates 36 funeral halls across Fukushima and Ibaraki offering family funerals, general funerals, and cremation services with 24/7 availability. Heartline provides prepaid mutual aid plans with monthly installments (1,000-6,000 yen/month over 5-10 years) covering future funeral and wedding expenses. Supporting subsidiaries operate wedding venues (KIOKUNOMORI, KAI KORIYAMA), fresh flower wholesale and altar arrangements (Fleur, including the Yushu eco paper coffin), Buddhist altar and grave stone retail (Budatan Plaza), and funeral expense insurance (Memory Lead Life).

Product overview

Kokoro Net Group operates a diversified life support service portfolio centered on funeral services, mutual aid systems, and wedding services. The core funeral business is conducted through株式会社たまのや (Tamanoya), which operates a network of funeral halls under the たまのや こころ斎苑 and とわノイエ brands across Fukushima and Ibaraki prefectures. The mutual aid business is led by株式会社ハートライン (Heartline), offering prepaid funeral, wedding, and family ceremony courses through installment payments. Supporting businesses include株式会社フルール for fresh flowers and funeral merchandise (including the eco-friendly paper coffin 悠舟), カンノ・トレーディング for stone materials,株式会社With Wedding for wedding venues (記憶の森, 廻 郡山, ドレス Salon プリエール), and株式会社喜月堂セレオ and株式会社北関東互助センター for additional mutual aid services. The group also provides end-of-life planning services including pre-consultation, seminars, and an end-of-life notebook product, all under the philosophy of providing '感動のある人生' (a life with touching emotions) as part of San Holdings.

Differentiator

Problem solved

Functional benefit

Brands

• たまのや こころ斎苑: 葬祭会館ブランド
• とわノイエ
• ぶつだんプラザ
• 石のカンノ
• 記憶の森
• KAI KORIYAMA（廻 郡山）

Products and services

• Heartline (ハートライン) Mutual Aid

Quantifiable outcome

• 36 funeral halls operated across Fukushima and Ibaraki prefectures
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor.

• 御宿 東鳳 (Onyado Toho)minorStrategic or Co-development Partner · 9 July 2024Heartline mutual aid services became usable at御宿 東鳳 wedding venue in Aizu Wakamatsu from July 2024, expanding service venue options for members.
• 石のカンノ (Ishi no Kanno)minorStrategic or Co-development Partner · 11 November 2023Collaborative store combining Buddhist altar (Tamaya Budatan Plaza) and grave stone (Ishi no Kanno) sales at Aizu Wakamatsu location, opened November 2023. Provides integrated memorial service offerings.
• Ponta ( Ponta Card)minorGTM or Marketing PartnerHeartline mutual aid accepts Ponta loyalty points. Card linkage available for members to accumulate and use points.
• 全日本冠婚葬祭互助協会 (All Japan Mutual Aid Association)minorOthersIndustry self-regulatory body providing consumer complaint handling and member support. Heartline references this association for consumers facing aggressive sales tactics from competitors.
• ライフフォワード株式会社 (Life Forward)minorStrategic or Co-development PartnerListed in joint privacy/data sharing framework with Kokoro Net Group. Operates within the San Holdings group ecosystem for customer data management.

Scale indicators5 records

Recent moves13 records

Expansion highlights4 records

Broad incumbents

• 燦ホールディングス (San Holdings): TSE Prime-listed parent company of Kokoro Net since January 2026, operating a broader national funeral and life-event services portfolio. As the acquirer, it now encompasses Kokoro Net's Tohoku/Kanto operations within a wider national platform.
• Service Corporation International: Largest funeral services company in North America operating funeral homes, cemeteries, and cremation services. Comparable as a broad incumbent in the death care services industry, though operating in a different geography and regulatory environment.

Direct peers

• 株式会社メモリード (Memorido): Fukuoka-based funeral services and mutual aid company operating funeral halls and life-event services across Japan. Comparable business model combining funeral hall operations with prepaid mutual aid plans and related life-event services.
• 株式会社極楽 (Gokuraku Group): Nagoya-based funeral services and life-event company operating funeral halls and related services in central Japan. Comparable funeral hall operator with similar service portfolio including memorial services and family ceremony offerings.
• 株式会社アルファクラブ (Alpha Club): Japanese funeral services group operating under multiple regional brands with funeral halls and mutual aid plans. Comparable integrated life-event service provider serving similar customer segments through direct-sales and physical hall network.
• ティア株式会社 (Tear Corporation): TSE-listed Japanese funeral services company operating funeral halls and mutual aid plans across multiple regions. Directly comparable to Kokoro Net's Tama no ya funeral halls and Heartline mutual aid offerings with similar GTM model and customer demographic focus.
• 株式会社公益社 (Koeisha): Osaka-based funeral services company operating a network of funeral halls and related memorial services. Comparable regional funeral services operator with similar in-person direct-sales model and customer demographic focus on elderly Japanese families.
• 株式会社くらしの友 (Kurashi no Tomo): Tokyo-based funeral services and mutual aid company with extensive hall network. Comparable full-service funeral business model including funeral halls, mutual aid prepayment plans, and related life-event services serving Japanese families.

Emerging players

• 家族葬のファミーユ (Famille): Specialized family-only funeral hall operator expanding across Japan. Comparable as a focused competitor in the family-funeral format that Kokoro Net is actively expanding through its Towanoie brand, representing a direct emerging-format threat.

Regional players

• 株式会社JAライフサポート (JA-affiliated mutual aids): Japan agricultural cooperative-affiliated mutual aid funeral service providers. Comparable as a major competitor in the prepaid funeral mutual aid segment where Heartline operates, leveraging JA's broader member base and rural geographic reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries7 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 Kokoro Net