Associação Nacional das PME

What Associação Nacional das PME does

Associação Nacional das PME (ANPME) is a Portuguese private nonprofit association, registered with the Ministry of Labour and Solidarity and founded in 1988, that represents and defends the interests of small and medium-sized enterprises nationwide. It operates from a Cascais headquarters and a northern delegation in Vila Nova de Gaia (relocated in January 2026 to the Inovagaia building), with a stated staff band of 1-10 employees. Its core offering centers on tiered membership (Associado Base at €30/month and Associado Plus at €70/month, with a €50 one-time joining fee) that unlocks free multidisciplinary consulting across legal, tax, financial, marketing, HR and innovation domains, access to public incentive and financing programs, business internationalization support, debt recovery assistance via the Gabinete de Apoio ao Endividamento, and entrepreneurship support routed through the EPAT/IEFP network.

ANPME's technology layer consists of an association management platform with a member portal (sgp.anpme.pt), a learning hub (hub.anpme.pt) hosting webinars and professional training courses, and the ANPME Super App launched in January 2026 on Apple Store and Google Play Store. The Super App features Matilde, an AI-powered virtual assistant for member query handling and information access. Training is delivered through the COMPETE 2030-funded Programa Formação-Ação, which combines specialized instruction with on-site consulting and covers 90% of cost via non-reimbursable grants, with the residual potentially funded through the Compensation Fund.

The association monetizes primarily through recurring subscription quotas, supplemented by grant-funded training programs and an extensive partner network of more than 40 commercial entities (including EDP, Sage, Nespresso, INTRUM, Sabseg, PNA and Viagens Abreu) that deliver exclusive member discounts of up to 33% and serve as a referral channel. Marketing combines website content, email newsletters, the Super App, professional training events and partner-driven referrals. Recent strategic emphasis has been on digital transformation — the AI4PA Digital Innovation Hub integration, the Super App with Matilde, and the Vila Nova de Gaia relocation — alongside a stated role in advocating for SME interests at the national policy level.

Name

Associação Nacional das PME

Legal name

Associação Nacional das Pequenas e Médias Empresas

Website

https://anpme.pt

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Associação Nacional das PME (ANPME) is a Portuguese nonprofit business association, founded in 1988, that serves small and medium-sized enterprises nationwide through tiered membership providing consulting, training, financing access, and a 40+ partner discount network, with the ANPME Super App and Matilde AI assistant as its digital front door.

Ownership category

akta.pro rank

Product category

SME Business Association Services

NAICS

Business Associations (813910)

SIC

Services-Management Services (8741), Services-Educational Services (8200)

akta.pro primary industry

SME, Microfinance & Financial Inclusion Facilities (BPADACAI)

akta.pro secondary industry

Small Business & Self-Employment Personal Finance (Income, Expenses, Cash Reserves) (EDAAAJAL)

Keywords

• SME business association
• Business consulting services
• Professional training programs
• Entrepreneurship support services
• Debt recovery assistance

Headquarters

HQ city

Porto

HQ country

Portugal

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Quotas: ANPME generates revenue through annual membership fees. Two tiers available: Associado Base at €30/month and Associado Plus at €70/month, with joining fee of €50. Payment options include monthly, semi-annual, or annual billing via direct debit.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

ANPME is a non-profit business association that represents and defends the interests of small and medium-sized enterprises (PME) in Portugal. It provides free multidisciplinary consulting (legal, fiscal, financial, marketing, HR, innovation), professional training, support in accessing public incentives and financing, entrepreneurship support, business internationalization services, and debt recovery assistance. Revenue is generated primarily through tiered membership fees (Associado Base at €30/month and Associado Plus at €70/month, with a €50 one-time joining fee).

Product overview

ANPME is a non-profit business association serving small and medium enterprises in Portugal. Its offering consists of the ANPME Super App (mobile application with AI virtual assistant Matilde) as the primary digital touchpoint, supplemented by a suite of business support services including free multidisciplinary consulting (management, marketing, legal, tax, finance, innovation, HR), access to public incentives and financing programs, entrepreneurship support via the EPAT network, business internationalization services, and debt recovery assistance through the Gabinente de Apoio ao Endividamento. Members also access exclusive discounts through the Rede de Parceiros ANPME partner network, professional training via the hub.anpme.pt platform, and the restricted Área do Associado member portal. The Programa Formação-Ação (COMPETE 2030 funded) combines training with on-site consulting.

Differentiator

Problem solved

Functional benefit

Products and services

• ANPME Super App Mobile application available on Apple Store and Google Play Store featuring Matilde, a virtual assistant, enabling ANPME members to access association news, relevant information, and receive quick responses to support inquiries.
• Consultoria Empresarial (Business Consulting) Free multidisciplinary consulting services for ANPME members covering management, marketing, legal, tax, finance, innovation, human resources, and quality areas to help businesses modernize, increase competitiveness, and sustain growth.
• Rede de Parceiros ANPME (Partner Network) Network of commercial partners offering discounts and exclusive advantages to ANPME members across categories including accounting, insurance, energy, software, travel, healthcare, and professional services.
• Formação ANPME (Training Programs) Professional training programs, workshops, and seminars aligned with market needs, covering topics from management, marketing, and innovation to legislation, operations, and digitalization, including free training for members.
• Gabinete de Apoio ao Endividamento (Debt Support Office) Technical and confidential support service for over-indebted companies, helping identify causes of financial difficulties, evaluate scenarios, and find viable solutions for economic and operational recovery.
• Internacionalização de Empresas (Business Internationalization) Support services for companies entering and expanding into international markets, including market studies, strategic internationalization plans, and operational accompaniment.
• Empreendedorismo e Criação de Empresas (Entrepreneurship Support) Comprehensive support for entrepreneurs from business idea validation to market launch, including technical guidance, business model structuring, economic feasibility evaluation, and connection to the EPAT network under IEFP.
• Incentivos e Financiamento (Incentives and Financing) Support in identifying suitable incentive programs, elaboration of technical and financial studies, submission of applications, and project monitoring including audits for members seeking modernization and funding.
• Programa Formação-Ação Strategic program financed by COMPETE 2030 combining specialized training with personalized consulting delivered directly within the business. Offers 90% non-reimbursable funding with the remaining 10% potentially covered by the Compensation Fund balance.

Quantifiable outcome

• Member tax benefit: 150% IRC deduction on quotas
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature2 records

Partnerships

39 partnerships are on record, tiered core and minor.

• AI4PA - Polo de Inovação DigitalcoreStrategic or Co-development Partner · 20 January 2026ANPME integrates the Polo de Inovação Digital AI4PA, an initiative focused on optimizing public policies through AI and data science. This partnership enables member companies to access AI-based digital innovation support until June 2026.
• EPAT/IEFP (Instituto do Emprego e Formação Profissional)coreStrategic or Co-development PartnerANPME is part of the EPAT (Rede de Entidades Prestadoras de Apoio Técnico) network under IEFP, providing specialized support for unemployed individuals creating their own businesses through feasibility studies, strategic planning, and implementation support.
• WebHSminorGTM or Marketing PartnerWeb hosting, domains, and professional backup services. Offers exclusive packs for members including 3 months SSD hosting, free .PT domain for 1 year, and SSL certificate.
• NespressominorGTM or Marketing PartnerPremium coffee solutions provider offering exclusive packs for ANPME associates with customized solutions adapted to each client's specific needs.
• PriominorGTM or Marketing Partner100% Portuguese fuel company with triple QSA certification (Quality, Safety, Environment). Offers free Prio Fleet Card with €1000 minimum limit and up to 11 cent discount on reference price.
• RadiusminorGTM or Marketing PartnerMultinational fleet and mobility management company operating in 19 countries for over 35 years. Offers multi-brand fuel cards, GPS location solutions, and hybrid cards for electric vehicle charging.
• JRCM ContabilidademinorGTM or Marketing PartnerAccounting and tax advisory firm established since 1998, offering professional, secure, honest services with permanent availability. Provides 15% discount on price table.
• MasterConsultantminorGTM or Marketing PartnerProfessional consulting services with recognized professional qualifications and experience. Offers 5% discount and free business start-up assistance.
• NucaseminorGTM or Marketing PartnerBusiness management support company since 1978, specializing in accounting, taxation, treasury management, HR, and consulting. Offers 10% discount.
• EDPminorGTM or Marketing PartnerLeading energy company producing and selling electricity, natural gas, and related services. Provides maximum discounts for all associates on energy solutions.
• EpicFinanceminorGTM or Marketing PartnerEnergy efficiency company specializing in photovoltaic self-consumption, electric mobility, and partnerships with energy suppliers to reduce consumption and costs.
• WorkviewminorGTM or Marketing PartnerNational leader in occupational health and safety, training, pest control, signage, and environmental services for 16 years with over 100 collaborators. Offers 5% discount and exclusive e-learning pricing.
• PrevoirminorGTM or Marketing PartnerPart of Groupe Prévoir with over 100 years specializing in personal insurance, offering family protection guarantees with competitive contracts. Provides 10% discount.
• SabsegminorGTM or Marketing PartnerInsurance brokerage company specializing in risk advisory and management for people and property through insurance mediation and brokerage.
• PNAminorGTM or Marketing PartnerTechnology company since 2011 offering invoicing software and automatic payments services throughout Portugal. First month free and initial technical assistance offered.
• SageminorGTM or Marketing PartnerGlobal management solutions provider helping companies optimize business management and workflows. Offers free activation fee for SAGE Subscription SME solutions.
• Ticket ServiçosminorGTM or Marketing PartnerPart of Trivalor Group since 1989, offering employee benefit solutions including Restaurant, Childhood, Education, Care, Car, and Gift tickets.
• EverFashion - creatminorGTM or Marketing PartnerDigital marketing agency offering creative and unconventional solutions with high quality standards. Provides 10% discount on all services for associates.
• Somos6digitalminorGTM or Marketing Partner360° marketing and technology agency from Vila Nova de Gaia helping SMEs gain time, simplify processes, and transform digital presence into business. Offers free marketing consultation, digital diagnosis, automation software setup, and 30% discount.
• E-goiminorGTM or Marketing PartnerMultichannel marketing automation software helping companies strengthen customer relationships with professional templates and simple editor.
• FlyPremiumminorGTM or Marketing PartnerAutomobile sales and repair company in Porto offering 10% discount on labor costs.
• PixememoriesminorGTM or Marketing PartnerCustom gift creation and personalized product printing company offering 5% discount.
• Bruno CostaminorGTM or Marketing PartnerChimney and HVAC system cleaning and maintenance company since 2003, also supplying and installing climate control equipment. Offers 5% discount.
• ERNminorGTM or Marketing PartnerConstruction and renovation company with 10 years experience in commercial, health, and residential spaces. Offers free 3D images of projects.
• WconceptminorGTM or Marketing PartnerSpecialized in renovations and interior design offering 15% discount for associates.
• Viagens AbreuminorGTM or Marketing PartnerWorld's first travel agency founded in 1840, now with global presence, 150 stores, and 1,500 employees. Offers Abreu Travel Card with 3,000 points and 7.5% discount on tourist programs.
• Farmácia ValdrezminorGTM or Marketing PartnerPharmacy focused on healthy habits and customer well-being. Offers 11% discount on prescription medications and 20% on other products.
• MaloClinicminorGTM or Marketing PartnerWorld reference in dentistry and dental aesthetics since 1995 with multidisciplinary team. Offers free evaluation consultation and up to 15% discount on dental services.
• Instituto ArelunaminorGTM or Marketing PartnerOral health solutions provider with efficient, modern service focused on patient well-being and satisfaction. Offers 15% discount for associates.
• Rui CastrominorGTM or Marketing PartnerFreelance professional specializing in consulting, training, and project management. Offers 10% exclusive discount for associates.
• VCGLminorGTM or Marketing PartnerTechnology consulting company founded in 2022 focused on growth through technology and strategy. Led by Ricardo Amaro with 25+ years IT experience. Specializes in ERP, software development, cybersecurity, and cloud infrastructure. Offers 10% exclusive discounts.
• EgoformminorGTM or Marketing PartnerSoft skills and productive well-being culture company empowering professionals and organizations through body-mind-work ergonomics. Offers 10% discount.
• Soluções PaixãominorGTM or Marketing PartnerReal estate investment company founded in 2005 specializing in buying, selling, and renting residential, industrial, and tourist properties. Supports associates in property promotion and valorization.
• Market AccessminorGTM or Marketing PartnerPortuguese private company providing international business consulting services. Offers 7.5% discount for associates.
• Alerta EmpregominorGTM or Marketing PartnerJob platform helping companies and recruiters find candidates with over 1 million Facebook followers and 300,000 database candidates. Offers 20% discount for associates.
• ASK People DevelopertsminorGTM or Marketing PartnerSpecialized consultants in people management and organizations offering HR outsourcing, consulting, talent, training, and development solutions. Offers 15% discount.
• INTRUMminorGTM or Marketing PartnerEuropean leader in credit management services since 1898, operating in 24 countries. In Portugal since 1997 with 240+ collaborators in Lisbon and Porto offices. Offers 33.3% discount on national subscription (€250 instead of €375) and 31% on international subscription.
• Perfect SpaceminorGTM or Marketing PartnerFlexible and secure storage solutions with units from 1m² to 70m². Offers 1 free month on minimum 2-month contract, 24/7 access, Prosegur surveillance, and loading docks.
• Dower Law FirmminorGTM or Marketing PartnerLaw firm offering strategic, innovative solutions with ESG practices. Provides training sessions and free weekly legal consultations in various practice areas for associates.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AIP - Associação Industrial Portuguesa / Câmara de Comércio e Indústria Portuguesa: One of Portugal's oldest and largest employer/industrial associations, providing similar SME and entrepreneur advocacy, consulting, training, and internationalization services. Direct competitive peer given overlapping Portuguese SME member base and service mix.
• CIP - Confederação Empresarial de Portugal: Portugal's main cross-sector employer confederation representing SMEs and large companies. Directly comparable in member-advocacy, policy representation, and SME support services, but with broader sectoral scope and larger institutional weight than ANPME.

Emerging players

• Beta-i: Lisbon-based innovation and startup accelerator active in Portugal. Comparable on the entrepreneurship support and ecosystem-building side of ANPME's offering, but with a stronger focus on accelerators, corporate innovation, and events.
• Startup Portugal: Public-private initiative supporting Portuguese entrepreneurship and startup creation. Comparable on the entrepreneur/business-creation and innovation support side of ANPME's offering, with stronger focus on early-stage ventures.

Regional players

• CONFAGRI - Confederação Nacional das Cooperativas Agrícolas e do Crédito Agrícola de Portugal: Portuguese confederation representing agricultural cooperatives and rural SMEs. Comparable as a national SME/association advocacy and service-delivery peer, but with a sector-specific (agriculture/rural) focus rather than cross-sector SME.
• AHRESP - Associação da Hotelaria, Restauração e Similares de Portugal: Portuguese sectoral employer association serving hospitality and tourism SMEs. Comparable structure (nonprofit, member-funded, advocacy plus services) and overlap in partner-network and training benefits for SMEs, but vertically specialized rather than horizontal.
• Câmara de Comércio e Indústria Luso-Brasileira: Luso-Brazilian chamber of commerce providing internationalization services, networking, and SME cross-border support. Comparable to ANPME's internationalization and partner-network offerings, but focused on Portugal-Brazil trade corridors.
• CGPME - Confédération Générale des PME (France): French SME confederation advocating for small and medium enterprises. Highly comparable in mission (SME representation, advocacy, services), but serves France rather than Portugal, making it a regional peer.

Broad incumbents

• IAPMEI - Agência para a Competitividade e Inovação: Portuguese public agency dedicated to SME competitiveness, innovation, and access to incentives/financing. Directly overlaps with ANPME's incentives & financing, modernization, and internationalization services, but operates as a government-backed agency rather than a private nonprofit.
• SMEunited (formerly UEAPME): European association of SMEs, crafts, and family businesses representing national SME federations at EU level. Comparable as a higher-tier SME advocacy and policy-influence counterpart to ANPME, but operating pan-European rather than nationally.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/associa-o-nacional-das-pme

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Associação Nacional das PME