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.mp-lead{margin-top:22px;color:#e0dfd8}\n.ma-proposal nav{gap:0}\n.ma-proposal nav>a{display:block;margin-left:30px}\n.ma-proposal nav>a:first-child{margin-left:0}\n.ma-proposal .mp-wrap{margin-left:auto;margin-right:auto}\n.ma-proposal .ms-service-photo{position:relative;height:0;padding-top:66.6667%;aspect-ratio:auto}\n.ma-proposal .ms-service-photo img{position:absolute;top:0;left:0;width:100%;height:100%}\n.ma-proposal .mp-area-menu{gap:0}\n.ma-proposal .mp-area-menu label{margin:0 10px 10px 0}\n.ma-proposal .mp-area-menu label:last-child{margin-right:0}\n.ma-proposal .mp-area-choice{position:absolute;opacity:0;width:1px;height:1px}\n@media(min-width:1600px){.ma-proposal nav>a{margin-left:2.2vw}.ma-proposal .mp-kicker{margin-bottom:1.4vw}.ma-proposal .mp-hero-sub{margin-top:1.7vw}.ma-proposal .mp-lead{margin-top:1.5vw}.ma-proposal .mp-area-menu label{margin-right:.7vw;margin-bottom:.7vw}}\n@media(max-width:900px){.ma-proposal nav>a{margin-left:18px}}\n@media(max-width:600px){.ma-proposal nav>a{margin:5px 8px}.ma-proposal nav>a:first-child{margin-left:8px}.ma-proposal .mp-header .mp-wrap>nav{margin-top:12px}.ma-proposal .mp-header .mp-wrap{gap:0}}\n@supports not (font-size:clamp(1px,2vw,3px)){\n.ma-proposal h1{font-size:64px}.ma-proposal h2{font-size:42px}.ma-proposal .mp-hero-sub{font-size:32px}.ma-proposal .mp-lead{font-size:16px}.ma-proposal .mp-logo{width:260px}.ma-proposal nav{font-size:14px}.ma-proposal .mp-hero .mp-wrap{min-height:620px;padding:80px 0}.ma-proposal .mp-contact-cover .mp-wrap{min-height:440px;padding:70px 0}.ma-proposal .mp-area-photo{height:260px}\n@media(min-width:1600px){.ma-proposal h1{font-size:4.7vw}.ma-proposal h2{font-size:3.1vw}.ma-proposal .mp-hero-sub{font-size:2.4vw}.ma-proposal .mp-lead{font-size:1.05vw}.ma-proposal nav{font-size:1vw}.ma-proposal .mp-logo{width:17vw}.ma-proposal .mp-hero .mp-wrap{min-height:78vh;padding:6vw 0}}\n@media(max-width:600px){.ma-proposal 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.y-hero{background:#081f29!important;overflow:hidden!important}\nbody .ma-proposal .mp-hero>img.ma-mobile-cover,body .y-hero>img.ma-mobile-cover{display:block!important;width:100%!important;height:105vw!important;max-height:480px!important;object-fit:cover!important;object-position:center 45%!important;-webkit-mask-image:linear-gradient(to bottom,#000 0%,#000 70%,transparent 100%);mask-image:linear-gradient(to bottom,#000 0%,#000 70%,transparent 100%)}\nbody .ma-proposal .mp-hero>.mp-wrap,body .y-hero>.mp-wrap{position:relative!important;margin-top:-48px!important;padding-top:0!important;padding-bottom:48px!important;z-index:1}\nbody .ma-proposal#autonomos .ms-card .ms-service-photo,body .ma-proposal#empresas .ms-card .ms-service-photo{position:relative!important;height:0!important;padding:75% 0 0!important;overflow:hidden!important;aspect-ratio:auto!important}\nbody .ma-proposal#autonomos .ms-card .ms-service-photo img,body .ma-proposal#empresas .ms-card .ms-service-photo img{position:absolute!important;inset:0!important;width:100%!important;height:100%!important;object-fit:cover!important;max-height:none!important}\nbody .ma-proposal#propuesta-inicio #areas .mp-area-intro{width:100%!important;max-width:none!important}\nbody .ma-proposal#propuesta-inicio #areas img.mp-area-photo{display:block!important;width:100%!important;max-width:none!important;height:auto!important;aspect-ratio:4\/3!important;object-fit:cover!important;margin:0 0 24px!important}\n}\n@media(max-width:650px){body .ma-proposal#propuesta-inicio #areas img.mp-area-photo{width:calc(100% + 52px)!important;margin:-26px -26px 24px!important;border-radius:0!important}}\n<\/style><div class=\"ma-proposal\" id=\"propuesta-inicio\"><header class=\"mp-header\"><div class=\"mp-wrap\"><a href=\"#propuesta-inicio\" aria-label=\"Matriz &#038; Asociados\"><img fetchpriority=\"high\" decoding=\"async\" width=\"864\" height=\"288\" class=\"mp-logo\" src=\"https:\/\/matrizasociados.com\/wp-content\/uploads\/2026\/09\/logo-matriz-web.png\" alt=\"Matriz &#038; Asociados\"><\/a><nav aria-label=\"Navegaci\u00f3n principal\"><a href=\"https:\/\/matrizasociados.com\/\">Inicio<\/a><span class=\"ma-sub\"><a class=\"ma-sub-toggle\" href=\"https:\/\/matrizasociados.com\/index.php\/autonomos-2\/\" aria-haspopup=\"true\" aria-expanded=\"false\">Aut\u00f3nomos<\/a><span class=\"ma-sub-menu\"><a href=\"https:\/\/matrizasociados.com\/index.php\/autonomos-2\/\">Aut\u00f3nomos<\/a><a href=\"https:\/\/matrizasociados.com\/index.php\/jovenes-autonomos\/\">Programa J\u00f3venes Aut\u00f3nomos<\/a><\/span><\/span><a href=\"https:\/\/matrizasociados.com\/index.php\/direccion-juridica-externa\/\">Empresa<\/a><a class=\"mp-nav-contact\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/\">Contacto <\/a><\/nav><\/div><\/header><style id=\"ma-home-team-hero\">#propuesta-inicio .mh-team{position:relative;isolation:isolate;overflow:hidden;background:#071d28;color:#f4efe3;height:82vh;height:82svh;min-height:540px;max-height:none}#propuesta-inicio .mh-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:80% center;z-index:-2}#propuesta-inicio .mh-team:after{content:\"\";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(4,20,30,.94),rgba(4,20,30,.75) 29%,rgba(4,20,30,.25) 48%,transparent 67%)}#propuesta-inicio .mh-copy{width:42%;margin-left:5.8%;height:100%;display:flex;flex-direction:column;justify-content:center;align-items:flex-start;padding:32px 0}#propuesta-inicio .mh-kicker{font:500 clamp(11px,.75vw,28px)\/1.5 Poppins,Arial,sans-serif;letter-spacing:.2em;text-transform:uppercase;color:#d4b57e;margin:0 0 18px}#propuesta-inicio .mh-team h1{font:400 clamp(46px,4.7vw,180px)\/1.08 Georgia,serif!important;letter-spacing:-.025em;max-width:none;margin:0;color:#f4efe3}#propuesta-inicio .mh-team h1 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h1{font-size:clamp(34px,9.5vw,52px)!important}#propuesta-inicio .mh-kicker{font-size:10px;margin-bottom:14px}#propuesta-inicio .mh-description{font-size:15px;max-width:34ch;margin:18px 0 24px}#propuesta-inicio .mh-action{font-size:12px;padding:14px 20px}}<\/style><section class=\"mh-team\" aria-label=\"Matriz Asociados, asesor\u00eda jur\u00eddica profesional\"><img fetchpriority=\"high\" decoding=\"async\" class=\"mh-photo\" src=\"https:\/\/matrizasociados.com\/wp-content\/uploads\/2026\/10\/Fondo-bigote-arreglado.png\" alt=\"Miguel Lozano Oru\u00f1a y Aleix Exp\u00f3sito Fern\u00e1ndez, equipo de Matriz Asociados\" width=\"2172\" height=\"724\" fetchpriority=\"high\" loading=\"eager\"><div class=\"mh-copy\"><p class=\"mh-kicker\">Asesor\u00eda jur\u00eddica profesional<\/p><h1>Tus decisiones ya<br>son <em>importantes.<\/em><\/h1><p class=\"mh-description\">Asesoramiento jur\u00eddico para particulares, aut\u00f3nomos y empresas.<\/p><a class=\"mh-action\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/\">Hablemos de tu situaci\u00f3n<\/a><\/div><\/section><section class=\"mp-area-browser\" id=\"areas\"><div class=\"mp-wrap\"><p class=\"mp-kicker\">\u00c1reas de pr\u00e1ctica<\/p><h2>El valor de tener<br>una firma detr\u00e1s.<\/h2><input class=\"mp-area-choice\" id=\"mp-area-choice-0\" type=\"radio\" name=\"mp-area\" value=\"0\" checked><input class=\"mp-area-choice\" id=\"mp-area-choice-1\" type=\"radio\" name=\"mp-area\" value=\"1\"><input class=\"mp-area-choice\" id=\"mp-area-choice-2\" type=\"radio\" name=\"mp-area\" value=\"2\"><input class=\"mp-area-choice\" id=\"mp-area-choice-3\" type=\"radio\" name=\"mp-area\" value=\"3\"><input class=\"mp-area-choice\" id=\"mp-area-choice-4\" type=\"radio\" name=\"mp-area\" value=\"4\"><fieldset class=\"mp-area-menu\"><legend>Selecciona un \u00e1rea de pr\u00e1ctica<\/legend><label for=\"mp-area-choice-0\"><span>Civil y patrimonial<\/span><\/label><label for=\"mp-area-choice-1\"><span>Mercantil y societario<\/span><\/label><label for=\"mp-area-choice-2\"><span>Fiscal y tributario<\/span><\/label><label for=\"mp-area-choice-3\"><span>Deportivo<\/span><\/label><label for=\"mp-area-choice-4\"><span>Bancario y concursal<\/span><\/label><\/fieldset><article class=\"mp-area-panel mp-area-0\"><div class=\"mp-area-intro\"><img loading=\"lazy\" decoding=\"async\" class=\"mp-area-photo\" src=\"https:\/\/matrizasociados.com\/wp-content\/uploads\/2026\/10\/aleix-telefono-natural.jpg\" alt=\"Aleix atendiendo una consulta por tel\u00e9fono\" loading=\"lazy\" width=\"1536\" height=\"1024\" sizes=\"auto, (max-width:900px) 92vw, 38vw\"><span class=\"mp-kicker\">01 \/ MATRIZ &amp; ASOCIADOS<\/span><h3>Civil y patrimonial<\/h3><p>Tus contratos, tu patrimonio y las decisiones de tu vida personal.<\/p><\/div><div class=\"mp-area-detail\"><ul><li><strong>Contratos<\/strong><p>Revisi\u00f3n y redacci\u00f3n de acuerdos para proteger tus intereses.<\/p><\/li><li><strong>Arrendamientos<\/strong><p>Acompa\u00f1amiento en alquileres y conflictos entre propietario e inquilino.<\/p><\/li><li><strong>Compraventas<\/strong><p>Revisi\u00f3n jur\u00eddica antes de comprar o vender un inmueble.<\/p><\/li><li><strong>Reclamaciones de cantidad<\/strong><p>Valoraci\u00f3n de la deuda y de las v\u00edas para reclamar su pago.<\/p><\/li><li><strong>Herencias y sucesiones<\/strong><p>Orientaci\u00f3n en la planificaci\u00f3n y tramitaci\u00f3n de una herencia.<\/p><\/li><li><strong>Responsabilidad civil<\/strong><p>An\u00e1lisis de da\u00f1os y de las responsabilidades que pueden derivarse.<\/p><\/li><li><strong>Deudas e impagos<\/strong><p>Estudio de tu situaci\u00f3n y de las opciones de reclamaci\u00f3n.<\/p><\/li><li><strong>Conflictos entre particulares<\/strong><p>Asesoramiento para negociar o defender tu posici\u00f3n.<\/p><\/li><\/ul><a class=\"mp-area-consult\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/?consulta=Civil%20y%20patrimonial#formulario\">Consultar sobre esta \u00e1rea <span aria-hidden=\"true\"><\/span><\/a><\/div><\/article><article class=\"mp-area-panel mp-area-1\"><div class=\"mp-area-intro\"><img loading=\"lazy\" decoding=\"async\" class=\"mp-area-photo\" src=\"https:\/\/matrizasociados.com\/wp-content\/uploads\/2026\/10\/mercantil-acuerdo.jpg\" alt=\"Miguel y Aleix formalizando un acuerdo empresarial\" loading=\"lazy\" width=\"1086\" height=\"1448\" sizes=\"auto, (max-width:900px) 92vw, 38vw\" style=\"object-position:50% 68%\"><span class=\"mp-kicker\">02 \/ MATRIZ &amp; ASOCIADOS<\/span><h3>Mercantil y societario<\/h3><p>Criterio jur\u00eddico para la actividad y la evoluci\u00f3n de tu empresa.<\/p><\/div><div class=\"mp-area-detail\"><ul><li><strong>Constituci\u00f3n y modificaci\u00f3n de sociedades<\/strong><p>Acompa\u00f1amiento jur\u00eddico al crear o adaptar tu sociedad.<\/p><\/li><li><strong>Pactos de socios<\/strong><p>Reglas claras sobre la relaci\u00f3n, entrada y salida de socios.<\/p><\/li><li><strong>Contratos mercantiles<\/strong><p>Acuerdos comerciales adaptados a la actividad de tu empresa.<\/p><\/li><li><strong>Operaciones societarias<\/strong><p>Respaldo en cambios de capital, estructura y organizaci\u00f3n.<\/p><\/li><li><strong>Responsabilidad de administradores<\/strong><p>An\u00e1lisis de los deberes y riesgos de quienes administran.<\/p><\/li><li><strong>Reestructuraciones empresariales<\/strong><p>Estudio de alternativas para reorganizar el negocio.<\/p><\/li><li><strong>Asesoramiento jur\u00eddico recurrente<\/strong><p>Una visi\u00f3n continuada de las necesidades legales de tu empresa.<\/p><\/li><\/ul><a class=\"mp-area-consult\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/?consulta=Mercantil%20y%20societario#formulario\">Consultar sobre esta \u00e1rea <span aria-hidden=\"true\"><\/span><\/a><\/div><\/article><article class=\"mp-area-panel mp-area-2\"><div class=\"mp-area-intro\"><img loading=\"lazy\" decoding=\"async\" class=\"mp-area-photo\" src=\"https:\/\/matrizasociados.com\/wp-content\/uploads\/2026\/10\/fiscal-miguel.jpg\" alt=\"Miguel Lozano revisando documentaci\u00f3n fiscal\" loading=\"lazy\" width=\"1448\" height=\"1086\" sizes=\"auto, (max-width:900px) 92vw, 38vw\" style=\"object-position:50% 45%\"><span class=\"mp-kicker\">03 \/ MATRIZ &amp; ASOCIADOS<\/span><h3>Fiscal y tributario<\/h3><p>Una visi\u00f3n jur\u00eddica de tus obligaciones y decisiones tributarias.<\/p><\/div><div class=\"mp-area-detail\"><ul><li><strong>Asesoramiento tributario<\/strong><p>Criterio jur\u00eddico para comprender tus obligaciones fiscales.<\/p><\/li><li><strong>Planificaci\u00f3n desde la perspectiva jur\u00eddica<\/strong><p>Revisi\u00f3n de las implicaciones tributarias de tus decisiones.<\/p><\/li><li><strong>Consultas fiscales<\/strong><p>Respuesta a dudas concretas sobre tu situaci\u00f3n fiscal.<\/p><\/li><li><strong>Procedimientos tributarios<\/strong><p>Acompa\u00f1amiento en actuaciones y comprobaciones tributarias.<\/p><\/li><li><strong>Requerimientos<\/strong><p>Revisi\u00f3n de la documentaci\u00f3n y preparaci\u00f3n de la respuesta.<\/p><\/li><li><strong>Recursos y reclamaciones<\/strong><p>Valoraci\u00f3n y preparaci\u00f3n de v\u00edas de impugnaci\u00f3n.<\/p><\/li><li><strong>Defensa frente a la Administraci\u00f3n Tributaria<\/strong><p>Defensa de tus intereses ante actuaciones administrativas.<\/p><\/li><\/ul><a class=\"mp-area-consult\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/?consulta=Fiscal%20y%20tributario#formulario\">Consultar sobre esta \u00e1rea <span aria-hidden=\"true\"><\/span><\/a><\/div><\/article><article class=\"mp-area-panel mp-area-3\"><div class=\"mp-area-intro\"><img loading=\"lazy\" decoding=\"async\" class=\"mp-area-photo\" src=\"https:\/\/matrizasociados.com\/wp-content\/uploads\/2026\/10\/deportivo-equipo-generada.jpg\" alt=\"\" loading=\"lazy\" width=\"1200\" height=\"800\" sizes=\"auto, (max-width:900px) 92vw, 38vw\"><span class=\"mp-kicker\">04 \/ MATRIZ &amp; ASOCIADOS<\/span><h3>Deportivo<\/h3><p>Asesoramiento para clubes, deportistas y agentes.<\/p><\/div><div class=\"mp-area-detail\"><ul><li><strong>Asesoramiento a clubes, deportistas y agentes<\/strong><p>Una visi\u00f3n jur\u00eddica de las necesidades del sector deportivo.<\/p><\/li><li><strong>Contratos deportivos<\/strong><p>Revisi\u00f3n de acuerdos profesionales, representaci\u00f3n y patrocinio.<\/p><\/li><li><strong>Derechos de imagen<\/strong><p>Protecci\u00f3n y regulaci\u00f3n de la explotaci\u00f3n de la imagen.<\/p><\/li><li><strong>Compliance y buen gobierno<\/strong><p>Revisi\u00f3n de normas internas y prevenci\u00f3n de riesgos.<\/p><\/li><li><strong>Litigios y resoluci\u00f3n de conflictos<\/strong><p>Asistencia en negociaciones y controversias deportivas.<\/p><\/li><li><strong>Normativa federativa y disciplinaria<\/strong><p>Orientaci\u00f3n ante expedientes y decisiones federativas.<\/p><\/li><li><strong>Asesoramiento internacional en materia deportiva<\/strong><p>An\u00e1lisis de relaciones deportivas con elementos internacionales.<\/p><\/li><\/ul><a class=\"mp-area-consult\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/?consulta=Deportivo#formulario\">Consultar sobre esta \u00e1rea <span aria-hidden=\"true\"><\/span><\/a><\/div><\/article><article class=\"mp-area-panel mp-area-4\"><div class=\"mp-area-intro\"><img loading=\"lazy\" decoding=\"async\" class=\"mp-area-photo\" src=\"https:\/\/matrizasociados.com\/wp-content\/uploads\/2026\/10\/bancario-consulta.jpg\" alt=\"Aleix atendiendo una consulta en el despacho\" loading=\"lazy\" width=\"1122\" height=\"1402\" sizes=\"auto, (max-width:900px) 92vw, 38vw\" style=\"object-position:50% 65%\"><span class=\"mp-kicker\">05 \/ MATRIZ &amp; ASOCIADOS<\/span><h3>Bancario y concursal<\/h3><p>Respaldo ante conflictos financieros y situaciones de insolvencia.<\/p><\/div><div class=\"mp-area-detail\"><ul><li><strong>Reclamaciones frente a entidades financieras<\/strong><p>Estudio de tu reclamaci\u00f3n y de la documentaci\u00f3n bancaria.<\/p><\/li><li><strong>Productos financieros y cl\u00e1usulas abusivas<\/strong><p>Revisi\u00f3n de contratos y condiciones de productos financieros.<\/p><\/li><li><strong>Reestructuraci\u00f3n de deuda<\/strong><p>Valoraci\u00f3n de alternativas para reorganizar tus pagos.<\/p><\/li><li><strong>Procedimientos concursales<\/strong><p>Acompa\u00f1amiento jur\u00eddico en las distintas fases del concurso.<\/p><\/li><li><strong>Asesoramiento en situaci\u00f3n de insolvencia<\/strong><p>An\u00e1lisis de la situaci\u00f3n y de las opciones disponibles.<\/p><\/li><li><strong>Negociaci\u00f3n con acreedores<\/strong><p>Preparaci\u00f3n de propuestas para buscar acuerdos de pago.<\/p><\/li><li><strong>Defensa en procedimientos judiciales<\/strong><p>Asistencia letrada en los conflictos que requieren acudir al juzgado.<\/p><\/li><\/ul><a class=\"mp-area-consult\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/?consulta=Bancario%20y%20concursal#formulario\">Consultar sobre esta \u00e1rea <span aria-hidden=\"true\"><\/span><\/a><\/div><\/article><\/div><\/section><section class=\"mp-profile-section\"><div class=\"mp-wrap\"><p class=\"mp-kicker\">Respaldo para tu actividad<\/p><h2>Una forma de acompa\u00f1arte,<br>adaptada a ti.<\/h2><div class=\"mp-quick-links\"><a class=\"mp-quick-link\" href=\"https:\/\/matrizasociados.com\/index.php\/autonomos-2\/\"><h3>\u00bfEres aut\u00f3nomo?<\/h3><p>Respaldo jur\u00eddico para tus gestiones. Aprovecha oportunidades y toma decisiones con un abogado a tu lado.<\/p><span>Impulsa tu actividad con respaldo <\/span><\/a><a class=\"mp-quick-link\" href=\"https:\/\/matrizasociados.com\/index.php\/direccion-juridica-externa\/\"><h3>\u00bfTienes una empresa?<\/h3><p>Direcci\u00f3n jur\u00eddica externa para anticipar riesgos y acompa\u00f1ar las decisiones de tu empresa.<\/p><span>Conoce el servicio para empresas <\/span><\/a><\/div><\/div><\/section><section class=\"mp-firm\" id=\"firma\"><div class=\"mp-wrap\"><div><p class=\"mp-kicker\">Sociedad Limitada Profesional<\/p><h2>Tus decisiones merecen<br>un buen respaldo.<\/h2><\/div><div><p>Da el siguiente paso con criterio y tranquilidad. Ponemos experiencia jur\u00eddica y atenci\u00f3n cercana al servicio de lo que m\u00e1s te importa.<\/p><a class=\"mp-button\" href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/\">Habla con un abogado <span aria-hidden=\"true\"><\/span><\/a><\/div><\/div><\/section><footer class=\"mp-footer\" id=\"contacto\"><div class=\"mp-wrap\"><div><strong>MATRIZ LEGAL Y ASOCIADOS, S.L.P.<\/strong><small>SOCIEDAD LIMITADA PROFESIONAL<\/small><\/div><div>Barber\u00e0 del Vall\u00e8s \u00b7 Barcelona<\/div><div><a href=\"https:\/\/matrizasociados.com\/index.php\/contacto\/\">info@matrizasociados.com<\/a><a href=\"tel:+34697850312\">697 850 312<\/a><\/div><\/div><div class=\"mp-wrap ma-legal-row\"><nav class=\"ma-legal-links\" aria-label=\"Informaci\u00f3n legal\"><a href=\"https:\/\/matrizasociados.com\/index.php\/politica-de-cookies\/\">Pol\u00edtica de cookies<\/a><a href=\"https:\/\/matrizasociados.com\/index.php\/politica-de-privacidad\/\">Pol\u00edtica de privacidad<\/a><a href=\"https:\/\/matrizasociados.com\/index.php\/aviso-legal\/\">Aviso legal<\/a><\/nav><\/div><\/footer><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-552","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Matriz Asociados: Asesor\u00eda Jur\u00eddica Profesional<\/title>\n<meta name=\"description\" content=\"Asesor\u00eda jur\u00eddica profesional para particulares, aut\u00f3nomos y empresas. 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