Affemat

What Affemat does

Affemat (Associação dos Funcionários de Fazenda do Estado de Mato Grosso) is a non-profit civil association founded on February 21, 1974, in Cuiabá, Mato Grosso, Brazil. It serves as the membership association for state tax revenue employees (Agentes de Tributos Estaduais) of SEFAZ-MT and their families, with additional categories of credenciados (non-member affiliates) and a retiree/pensioner directorate (DAP). The association operates a portfolio of five country-style leisure clubs across Mato Grosso (Cuiabá, Cáceres, Barra do Garças, Rondonópolis, and Alto Araguaia), each with autonomous local boards and own regulations, featuring pools, rivers, sports fields, event halls, restaurants, barbecue areas, kids spaces, and overnight apartments.

The association generates revenue through three streams: recurring membership fees (asociados and credenciados), transactional day-use fees and facility rentals (football fields, churrasqueiras, event spaces, catering), and subscription-based health insurance administration via a partnership with Unimed Cuiabá (migrated from Agemed Saúde in January 2019). Auxiliary revenue comes from a convênios discount partnership program with educational institutions, insurance providers, dental clinics, travel agencies, automotive and wellness businesses, and a VIP life insurance program. Distribution is primarily direct: members enroll through association offices, public servants access clubs via membership cards, and day-use or event bookings are made via phone, WhatsApp, or in-person.

The association has no technology platform or proprietary software; it is a physical-asset and community-based operation. Its declared status of Utilidade Pública Estadual under Lei Estadual n.º 3.509 (May 24, 1974) provides institutional legitimacy. Current leadership is under President Adilson José da Silva Campos. The associated tax revenue employee population is effectively the customer base, creating a finite, vertically-segmented addressable market concentrated in a single Brazilian state.

Name

Affemat

Legal name

Associação dos Funcionários de Fazenda do Estado de Mato Grosso

Website

https://affemat.com.br

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

1–10 employees

Short description

Affemat is a non-profit civil association founded in 1974 that serves state tax revenue employees of SEFAZ-MT and their families, operating five leisure clubs across Mato Grosso, administering health insurance through Unimed, and offering discount partnerships to its members.

Ownership category

akta.pro rank

Headquarters

HQ city

Cuiabá

HQ country

Brazil

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Others

Revenue model

1. Membership fees: Annual or monthly fees paid by associates (tax revenue employees and their families) and credenciados (non-member affiliates who pay for access)
2. Club day-use and facility rentals: Revenue from day-use fees, football field rentals, churrasqueira rentals, event space bookings, and restaurant services
3. Health insurance administration: Administering health plans (currently Unimed) for members, collecting premiums and managing benefits

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Affemat operates a network of five recreational country clubs across Mato Grosso (Cuiabá, Cáceres, Barra do Garças, Rondonópolis, Alto Araguaia) offering leisure amenities including pools, sports fields, event halls, restaurants, and accommodation. It also administers a health insurance plan through Unimed Cuiabá and maintains a discounts/convenios program providing members preferential rates with educational, healthcare, travel, automotive, and retail partners.

Product overview

Affemat is the Associacao dos Funcionarios de Fazenda do Estado de Mato Grosso, a nonprofit association for state treasury employees that operates a portfolio of recreational club facilities across five cities in Mato Grosso (Cuiaba, Caceres, Barra do Garcias, Rondonopolis, and Alto Araguaia) offering leisure amenities including pools, sports fields, event venues, and accommodation. The association also administers a health insurance plan through Unimed Cuiaba partnership and maintains a discounts/convenios program offering members preferential rates with various commercial partners including educational institutions, travel agencies, healthcare providers, and retail businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• AFFEMAT Clube Campestre Recreational country club facilities operated by the association across five cities in Mato Grosso (Cuiabá, Cáceres, Barra do Garças, Rondonópolis, Alto Araguaia), featuring swimming pools, sports fields, event halls, restaurants, barbecue areas, kids spaces, and overnight accommodation apartments for tax revenue employees and their families.
• AFFEMAT-SAÚDE (Plano de Saúde) Health insurance plan administered in partnership with Unimed Cuiabá, offering state and national coverage options plus the Unimed Fácil plan for local Cuiabá members. Previously operated with Agemed Saúde before January 2019 migration.
• Convênios e Descontos Discount partnership program offering Affemat members reduced prices with partner businesses including Unimed, UNIVAG, PROSEG Seguros, ACC Cuiabá, AFFEMG, Escola Cooperar, Conexão Turismo, Bono Pneus, Magrass, Oral Dent, Unic Cuiabá, Faculdade Fael, and Consórcio Canopus.
• Day-Use e Locação de Espaços Day-use access to club facilities for members, credentialed guests, and non-members, plus rental of event spaces for weddings, 15th birthday parties, anniversaries, graduations, and corporate events at the association's five club locations.
• VIP Seguro de Vida Life insurance program available to members through Vip's Seguro de Vida partnership, with the association providing enrollment forms for member subscription.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• Unimed CuiabacoreStrategic or Co-development Partner · 2 January 2019AFFEMAT migrated health insurance from Agemed Saúde to Unimed Cuiaba in January 2019, offering members state and national plan options with no waiting period for new enrollees until February 2019.
• UNIVAGminorOthersEducational institution partnership offering discounts to AFFEMAT members.
• PROSEG SegurosminorOthersInsurance partner listed on convênios page.
• ACC CuiabáminorOthersAutomobile club partnership offering member benefits.
• AFFEMGminorOthersPartnership with similar association for tax employees in Minas Gerais.
• Escola CooperarminorOthersEducational institution partnership offering member discounts.
• Conexão TurismominorOthersTravel agency partnership providing discounts on travel services for AFFEMAT members. Contact: (65) 3054-2369, (65) 9.9649-9697.
• UNIC CuiabaminorOthersUniversity partnership offering 55% discounts on 5 courses for AFFEMAT members.
• Consórcio CanopusminorOthersConsortium partnership allowing members to realize dreams without paying interest. Contact: 4009-0909 or (65) 99234-2008.
• SiprotafcoreStrategic or Co-development PartnerSindicato dos Profissionais de Tributação, Arrecadação e Fiscalização de Mato Grosso. Holds regular sports events, celebrations, and year-end confraternizations at AFFEMAT clubs. AFFEMAT holds assemblies and meetings at Siprotaf facilities.
• Oral DentminorOthersDental clinic partnership for member oral health care. Contact: (65) 4009-0909.
• MagrassminorOthersWeight loss network partnership with special discounts for AFFEMAT members. Contact: (65) 4009-0909.
• Bono PneusminorOthersTire shop partnership with special discounts for AFFEMAT members. Contact: 4009-0909.
• Faculdade FaelminorOthersUniversity partnership offering 25% discount on undergraduate programs with payments until the 5th of each month. Located at Rua Major Gama, 745, Centro Sul. Contact: (65) 3324-2122.
• PROSEGminorOthersInsurance partner with dedicated page on AFFEMAT website.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Others

• Unimed Cuiabá: Others — AFFEMAT's health plan partner and the actual insurer underwriting the AFFEMAT-SAÚDE product, representing both an ecosystem partner and the natural provider of the group's group health plan (relevant given the FSAIAFAH secondary industry code alignment).
• Siprotaf (Sindicato dos Profissionais de Tributação, Arrecadação e Fiscalização de Mato Grosso): Others — the union for Mato Grosso tax professionals that uses AFFEMAT clubs for events; serves as both customer and ecosystem participant, providing access to the same member pool and a channel for member recruitment and retention.

Emerging players

• Tênis Clube Paulista: Emerging player — traditional São Paulo recreational club offering tennis, swimming, dining, and event spaces via membership; comparable in operating model (multi-facility recreation club with event rentals) but serving a different geography and not a worker-association.
• Clube Athletico Paulistano: Emerging player for benchmarking purposes — a traditional São Paulo country club offering swimming, sports, dining, and event venues under a membership model, providing a useful peer for facility usage, pricing, and member engagement benchmarks.

Direct peers

• APCEF (Associação do Pessoal da Caixa Econômica Federal): Direct peer — analogous employee association providing recreational club access, social programming, and benefits for Caixa Econômica Federal employees and family members, sharing the non-profit civil association governance structure.
• AFFESC (Associação dos Funcionários da Fazenda do Estado de Santa Catarina): Direct peer — a state-level fiscal employee association in Santa Catarina operating the same membership recreation and benefits model for SEFAZ-SC employees, representing the most directly comparable business archetype to AFFEMAT.
• AABB (Associação Atlética Banco do Brasil): Direct peer — operates country club-style recreation facilities and member benefits for Banco do Brasil employees and retirees using an identical association membership model, with a national network of physical club locations.
• AFFEMG (Associação dos Funcionários Fiscais do Estado de Minas Gerais): Direct peer named in AFFEMAT's own partnership list — a state-level fiscal employee association in Minas Gerais operating the same membership model of leisure, health plan administration, and convênios for state tax authority employees.

Broad incumbents

• SEST (Serviço Social do Transporte): Broad incumbent offering recreation, health, and education services to transport sector workers nationwide — same worker-association logic and physical-facility footprint as AFFEMAT but at national scale and focused on a different industry vertical.
• SESC (Serviço Social do Comércio): Broad incumbent operating recreation facilities, health services, and cultural programming for commerce sector workers across Brazil at national scale — overlapping business model (membership-style worker association) but vastly larger and broader in scope than AFFEMAT.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/affematmt
• LinkedInlinkedin.com/company/affemat

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Affemat