About this service
What is a holding company and why do you need one?
A holding company is a legal entity created specifically to hold interests in other companies or to centralize family wealth. It is not a tool reserved for large fortunes — it is an accessible and strategic instrument for any business owner who wants to organize and protect what they have built.
The wealth of Brazilian entrepreneurs is often mixed: real estate in personal names, direct corporate interests, money flowing between personal and corporate accounts without formal structure. This disorganization has a cost: tax, legal and succession-related. A poorly planned estate settlement can consume 10% to 30% of assets in taxes, legal fees and family conflicts.
At Pró-Contaty, we structure holdings with full tax analysis — not merely as a legal instrument, but as part of an integrated wealth plan aligned with the client's operating business.
"A poorly planned estate settlement can consume 10% to 30% of assets in ITCMD taxes, court costs, legal fees and years of asset freeze. A holding company is planning — not tax evasion."
Ideal profile
Who is this service for?
This service is recommended when at least one of these situations applies to you:
- You hold significant real estate assets in your personal name
- You are a partner in one or more companies and have never formally separated personal assets from business ones
- You have never discussed a holding company or succession planning with your accountant
- You have children or heirs and do not want estate proceedings to consume part of what you built
- You operate in a sector with high risk of labor, tax or civil litigation
- You are thinking long-term and want to organize your structure before you need to
How we work
Key areas of practice
Scope is defined after a diagnosis of each client's asset and corporate situation:
Family holding company
Incorporation of a legal entity to centralize the family's real estate and financial assets — properties, corporate interests, investments. A family holding reduces ITCMD in succession, facilitates generational transfer and protects assets from personal or corporate debts.
Corporate holding company
Structuring a holding to control corporate interests across group companies. Enables centralized decisions, optimizes dividend taxation within the group and shields operational assets from legal risks of subsidiaries.
Succession planning
Structuring the transfer of assets to heirs with the lowest possible tax cost and without the delays and conflicts of a formal estate proceeding. We use donations with usufruct reservation, preferred quotas and shareholders' agreements to ensure succession follows the owner's wishes.
Creditor protection
Formal separation between personal assets and business risks. Companies operating in sectors with high litigation exposure benefit from a structure that prevents seizure of partners' personal assets.
Wealth tax optimization
Real estate held in a legal entity is taxed differently than in a personal name. In many cases, a holding reduces the effective rate on rental income and the income tax base on asset sales. We analyze each case individually to quantify the real benefit.
Corporate restructuring
Review and restructuring of existing companies to align the corporate structure with the current business moment: new partners, founder exits, preparation for fundraising or sale, or simply adapting to a late but necessary wealth plan.
The process
How it works
Asset and corporate diagnosis
We gather a complete inventory: real estate, corporate interests, investments, debts and obligations. We analyze family composition and the client's long-term goals to define the most appropriate structure.
Comparative tax analysis
We compare current tax costs (personal and corporate) against holding scenarios — including ITCMD on succession, income tax on rents, capital gains on asset sales and dividend taxation. We quantify the real benefit before any decision is made.
Incorporation and asset contribution
We incorporate the holding with the most suitable legal type (Ltda. or S.A.), draft the articles of incorporation or bylaws, and structure the asset contribution in a planned way to minimize taxes triggered by the transfer.
Succession planning and shareholders' agreement
We structure quotas or shares to ensure the owner's wishes in succession — usufruct reservation, non-transferability, non-attachment and non-communication clauses — with specialized advisory and complete documentation.
Partner · Healthcare company · São Paulo
"What sets Pró-Contaty apart is not just technical expertise — it's availability. I have a dedicated contact who knows my business, responds the same day and warns me about changes before they become a problem. That is worth more than any fee."
Outcome:
Active partnership for over 5 years with consistent business growth.
Next step
I want to structure my assets
A Pró-Contaty specialist analyzes your asset and corporate situation, runs scenarios with and without a holding and presents the real tax and succession benefit for your specific case. No commitment.
Pró-Contaty Contabilidade & Consultoria · CRC-SP 2SP024428/O-0 · 31 anos de atuação em São Paulo