What LagunAro does

LagunAro, EPSV is a private Spanish voluntary social welfare entity (Entidad de Previsión Social Voluntaria) founded in 1967 and headquartered at Jose Maria Arizmendiarrieta 1, Arrasate-Mondragón, Gipuzkoa, in the Basque Country. It operates as a mutual benefit society providing comprehensive social protection — health assistance, temporary disability coverage, unemployment assistance, family benefits, gender-violence support, and retirement pensions — exclusively to worker-members of cooperatives affiliated with the Mondragon cooperative ecosystem. As of the 2026 General Assembly, the entity served 4,436 members, up from 4,171 in 2025, reflecting organic growth tied to the cooperative base.

The organization functions as a multi-product platform. The core offering, LagunAro EPSV, delivers direct welfare benefits including temporary disability payments (80–90% of monthly consumption advance plus 100% of provision advance from day one), pregnancy and lactation risk coverage, family benefits, unemployment support via the Limited Mutualist (IMM) figure, and healthcare assistance complementing the Spanish public system. Under this umbrella sits Arogestión Ahorro-Jubilación, EPSV, a wholly-owned subsidiary pension entity offering two defined-contribution plans: Plan Mixto (a diversified portfolio combining 35–60% fixed income, 15–35% variable income, 5–15% liquidity, and 5–30% alternative investments) and Plan Dinero (a conservative money-market plan for near-retirees). A third entity, LagunAro Servicios, S.Coop., provides shared services. Members access services through a private web portal, mobile app, and telephone support, with GDPR-compliant data handling and a Whistleblowing Directive-aligned internal information system.

LagunAro's revenue model is built on recurring contributions (kotizazioak) from mutualists and their employing cooperatives — there are no external shareholders, no disclosed VC/PE backing, and no public pricing. Distribution is community-led: cooperative membership drives automatic enrollment, with services delivered through the cooperative employer channel, institutional communications, and direct member support. The organization holds Registry No. 69-G under the Basque Government's special registry of EPSVs, and a Royal Decree-Law carves out a cooperative-specific exemption from the self-employed contribution regime in force since 2023. Arogestión holds Registry No. 218-G. KPMG Auditores, S.L. is the appointed auditor for 2026–2028.

Name

LagunAro

Legal name

LagunAro, EPSV

Website

https://lagunaro.es

Company type

Private

Founded year

1967

Operating status

Operating

Short description

LagunAro, EPSV is a private Spanish voluntary social welfare mutual benefit society, founded in 1967 and headquartered in Mondragón, providing health, pension, disability, unemployment, and family social protection exclusively to approximately 4,400 worker-members of Mondragon-affiliated cooperatives in the Basque Country.

Ownership category

akta.pro rank

Headquarters

HQ city

Mondragón

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Member Contributions: LagunAro, EPSV is funded through contributions (kotizazioak) paid by cooperative members (mutualists) and their employing cooperatives. As a non-profit mutual benefit society, contributions are collected to fund social protection benefits including health assistance, temporary disability, unemployment assistance, family benefits, retirement pensions, and support for gender violence victims.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

LagunAro, EPSV is a voluntary social welfare entity (Entidad de Previsión Social Voluntaria) operating as a mutual benefit society for cooperative worker-members within the Mondragon cooperative ecosystem. It delivers social protection benefits including health assistance, temporary disability income, unemployment assistance, family benefits, gender violence support, and retirement pensions. Through its wholly-owned subsidiary Arogestión, EPSV, it also offers defined-contribution retirement savings plans (Plan Mixto and Plan Dinero) to cooperative members.

Product overview

LagunAro, EPSV is a comprehensive social protection system for cooperative members operating as a multi-product platform. The core offering is LagunAro, EPSV itself, which provides direct social welfare benefits including temporary disability coverage, employment assistance, family benefits, gender violence support, and pension services. Under its umbrella sits Arogestion, EPSV, a savings and retirement planning subsidiary offering two distinct pension plans: Plan Mixto (a diversified mixed investment plan balancing fixed income, variable income, and alternative investments for medium to long-term growth) and Plan Dinero (a conservative money market plan prioritizing capital preservation for members near retirement). Together, these products provide cooperative members with integrated social protection and retirement savings solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• LagunAro, EPSV (social protection membership)
• Arogestión, EPSV (retirement savings entity)
• Plan Mixto (mixed pension plan)
• Plan Dinero (conservative money market plan)
• Prestazioak / Aldi Baterako Ezintasuna (Temporary Disability benefit)
• Prestazioak / Enplegu Laguntza (Employment Assistance)
• Prestazioak / Familia Prestazioak (Family Benefits)
• Prestazioak / Genero Indarkeria (Gender or Sexual Violence Support)
• Prestazioak / Osasun Laguntza (Health Assistance)
• Prestazioak / Pentsioak (Pensions)

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Cooperativas belonging to LagunAro, EPSVcoreOthersCooperatives affiliated with LagunAro, EPSV are the primary members of the organization. They contribute to the mutual benefit society on behalf of their worker-members and handle administrative procedures for benefits. Cooperatives must maintain an entrepreneurial project of anticipated retirement and pay 60 euros to the Entity's Mutual Fund.
• Arogestion Ahorro-Jubilacion, EPSV de EmpleocoreStrategic or Co-development PartnerArogestion is a subsidiary Voluntary Social Protection Entity focused on retirement savings and pension benefits. LagunAro serves as the promoter partner (socio protector promotor) of Arogestion. Arogestion offers supplementary pension plans (Plan Mixto and Plan Dinero) to LagunAro members for retirement preparation.
• KPMG Auditores, S.L.minorOthersExternal audit firm appointed by Arogestion Ahorro-Jubilacion, EPSV to audit annual accounts for exercises 2026, 2027, and 2028. Registered in the Official Register of Account Auditors with number S0702.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Eguraldi Pension Plans (Kutxabank Gestión): Basque Country pension/asset manager tied to Kutxabank, which itself has roots in the Basque cooperative financial ecosystem. Operates defined-contribution plans directly comparable to LagunAro's Arogestión subsidiary.

Direct peers

• ASEPEYO: Spanish mutual society for occupational accidents and diseases (workplace injuries, illness, and social benefits), serving as a Social Security collaborative entity. Operates under the same Spanish mutual-benefit framework as LagunAro but at a national scale.
• Mutualidad de la Abogacía: Spanish mutual benefit society providing social protection and pension benefits specifically to a defined professional cohort (lawyers), operating under similar mutual/EPSV-style governance. Directly comparable structure to LagunAro's cooperative-member mutual model.
• Mutualia: Basque Country mutual society providing workplace accident, illness, and social protection benefits to affiliated workers, headquartered in the same region. Closest geographic and structural peer to LagunAro.

Broad incumbents

• FREMAP: Largest Spanish mutual society for workplace accidents and occupational diseases, operating nationally with a broader employer base than LagunAro. Comparable mutual-benefit welfare model but at materially greater scale and coverage.
• Mapfre Esperanza: Pension and social-protection arm of MAPFRE, one of Spain's largest insurers, offering individual and employer-sponsored pension plans. Provides comparable pension/retirement products to those offered via Arogestión but at national commercial scale.

Others

• Laboral Kutxa (Caja Laboral): Cooperative bank within the Mondragon group, providing banking and complementary social benefits to the same cooperative worker base that LagunAro serves. Adjacent ecosystem participant with overlapping member relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lagunaro-s-coop-

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 LagunAro