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Early planning for the generational succession of a family business is essential for achieving tax optimization and significant tax savings when inheriting shares of a family business or receiving them through donation.

When a company ceases to operate without following legal procedures, the consequences can be serious, especially for the administrator. This was recently confirmed by the Provincial Court of Murcia, which convicted an administrator of being liable with his personal assets for unpaid wages owed to two workers following the irregular closure of the company.

Recently at Grup Carles, we renewed the Seal Aquí Assessorem l’Economia Social (Here We Advise the Social Economy), which certifies that we have undergone specific training in the social and solidarity economy. This training allows us to achieve fiscal, labor, and legal specialization in the cooperative model and certifies that we know, work with, and are networked with the cooperative movement and public administrations.

2026 marks a new step in the reform of the pension and social security system. The measures coming into force respond to a clear objective: to guarantee the sustainability of the public system in the context of an ageing population.

Recently, the central government approved the ICO guarantees to facilitate the purchase of primary residences for young people under the age of 35 and families with dependent minors. This guarantee will allow financial institutions to grant mortgages of 100% of the purchase price, when the necessary income limit requirements are met.

With the start of 2026, many companies are taking advantage of the moment to review strategies and make decisions that will shape their future.

Among these decisions, mergers and acquisitions (M&A) are no longer an option exclusively for large corporations, but have also become a lever for growth for small and medium-sized enterprises in the region seeking to consolidate their competitiveness.