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During 2025, corporate delinquency in Spain remained at similar levels to the previous year. According to the study on credit risk management in Spain carried out by Crédito y Caución and Iberinform, between 22% and 26% of companies have recorded significant defaults.

In recent years, we have seen how people management has ceased to be a purely administrative function and has become a key strategic element for the competitiveness and growth of organisations.

Royal Decree 1065/2025, recently published in the Official State Gazette, redefines the framework for training contracts in Spain. This regulation continues Article 11 of the Workers' Statute and aims to improve the quality of training, prevent abuse and ensure a smoother transition between education and employment.

The employment paradigm is changing radically. The younger generations—especially millennials and Generation Z—no longer seek only stable employment: they want to live well, have time for themselves, and devote themselves to meaningful projects.

The recruitment process has evolved significantly in recent years. It is increasingly common for recruiters to have to actively search for the right profiles to meet the real needs of companies.

Cryptocurrency Taxation. In recent years, investment in cryptocurrencies has gained popularity among investors. Well-known coins such as Bitcoin, Ethereum, Xrp, or Dogecoin have shifted from being an unknown aspect of society to being assets for both small and large investments with the objective of being able to get a return on investment.

In the BOE of 6 November, and with effect from 7 November 2024, Royal Decree Law 6/2024 has been approved, introducing a package of urgent measures to mitigate the effects of the DANA which, between 28 October and 4 November 2024, caused significant damage in several regions of Spain, including the Valencian Community, Castilla-La Mancha, Andalusia, Catalonia, the Balearic Islands and Aragon.

Yes, debts are not for life; debts can be canceled, and a fresh start can be made.

The second chance has been in force since 2013 for individual entrepreneurs and since 2015 for any non-entrepreneurial individual. It may not be, from a technical point of view, and in my opinion, the best possible second chance law, but it is a law that allows for the exoneration of debts, and that is what is important. The law must be useful and functional, and for this reason, it must be utilized so that thousands of over-indebted, insolvent individuals can achieve the exoneration of their debts and start again as active members of society.