Synopsis

Synopsis

Synopsis

ACOMPINVERS, Real Estate Services in Andorra

We offer personalized real estate solutions for those who wish to live or invest in Andorra, combining legal and tax advice with comprehensive support for settling in the country.

Living in Andorra: A country to live peacefully, work with vision, and breathe fresh air

Moving to Andorra: We help you settle in Andorra step by step

The 7 Parishes of Andorra: From urban bustle to mountain serenity, choose your ideal place in Andorra

Taxation in Andorra: Smart taxation for businesses and individuals 

Healthcare System: Fast, human, and reliable medical care 

Education: Three systems, one goal: to educate free and well-prepared individuals 

Gastronomy in Andorra: High-level cuisine in every sense

Service title

Service title

Living in Andorra: nature, well-being, and opportunities

Living in Andorra: nature, well-being, and opportunities

Move to Andorra

Move to Andorra

Move to Andorra

Move to Andorra

1. Active Residence (with professional activity or employment)

Ideal for employees or self-employed workers.

Main requirements:

• Live in Andorra for at least 183 days per year

• Have a job offer from an Andorran company or be self-employed / a partner in a company

• Legal residence (rental or purchase of housing)

• Register with CASS (Social Security) and pay contributions

• Provide a criminal record certificate from the country of origin

• Be in good health and of legal working age

• Provide complete personal documentation (passport, marital status, etc.)

2. Passive Residence (without local economic activity)

For investors, retirees, or individuals with external income.

Financial requirements:

• Stay at least 90 days per year in the country

• Deposit €50,000 as a guarantee with the Andorran Financial Authority (AFA) + €10,000 for each additional dependent

• Invest a minimum of €600,000 in Andorran assets (real estate, bonds, deposits, or company shares)

• Take out private health insurance valid in Andorra

• Demonstrate sufficient income and economic stability

• Not engage in any professional or business activity in Andorra (except managing one's own assets)

3. Common requirements for both types of residence:

• Valid passport or identity document

• Rental contract or property deed in Andorra

• Criminal record certificate

• Medical examination in Andorra (for active residence)

• In-person procedures at the Department of Immigration

1. Active Residence (with professional activity or employment)

Ideal for employees or self-employed workers.

Main requirements:

• Live in Andorra for at least 183 days per year

• Have a job offer from an Andorran company or be self-employed / a partner in a company

• Legal residence (rental or purchase of housing)

• Register with CASS (Social Security) and pay contributions

• Provide a criminal record certificate from the country of origin

• Be in good health and of legal working age

• Provide complete personal documentation (passport, marital status, etc.)

2. Passive Residence (without local economic activity)

For investors, retirees, or individuals with external income.

Financial requirements:

• Stay at least 90 days per year in the country

• Deposit €50,000 as a guarantee with the Andorran Financial Authority (AFA) + €10,000 for each additional dependent

• Invest a minimum of €600,000 in Andorran assets (real estate, bonds, deposits, or company shares)

• Take out private health insurance valid in Andorra

• Demonstrate sufficient income and economic stability

• Not engage in any professional or business activity in Andorra (except managing one's own assets)

3. Common requirements for both types of residence:

• Valid passport or identity document

• Rental contract or property deed in Andorra

• Criminal record certificate

• Medical examination in Andorra (for active residence)

• In-person procedures at the Department of Immigration

1. Active Residence (with professional activity or employment)

Ideal for employees or self-employed workers.

Main requirements:

• Live in Andorra for at least 183 days per year

• Have a job offer from an Andorran company or be self-employed / a partner in a company

• Legal residence (rental or purchase of housing)

• Register with CASS (Social Security) and pay contributions

• Provide a criminal record certificate from the country of origin

• Be in good health and of legal working age

• Provide complete personal documentation (passport, marital status, etc.)

2. Passive Residence (without local economic activity)

For investors, retirees, or individuals with external income.

Financial requirements:

• Stay at least 90 days per year in the country

• Deposit €50,000 as a guarantee with the Andorran Financial Authority (AFA) + €10,000 for each additional dependent

• Invest a minimum of €600,000 in Andorran assets (real estate, bonds, deposits, or company shares)

• Take out private health insurance valid in Andorra

• Demonstrate sufficient income and economic stability

• Not engage in any professional or business activity in Andorra (except managing one's own assets)

3. Common requirements for both types of residence:

• Valid passport or identity document

• Rental contract or property deed in Andorra

• Criminal record certificate

• Medical examination in Andorra (for active residence)

• In-person procedures at the Department of Immigration

The 7 Parishes of Andorra

The 7 Parishes of Andorra

1. Andorra la Vella

• Capital of the country and administrative and commercial center

• Seat of the government and most national institutions

• Wide range of shops, services, healthcare, and businesses

• Ideal for those seeking urban life and quick access to everything

2. Escaldes-Engordany

• Adjacent to Andorra la Vella, modern and dynamic

• Known for Caldea spa and its focus on wellness

• Good hotel, gastronomic, and cultural offerings

• Highly valued for living close to the center with more tranquility

3. La Massana

• Very popular residential area, especially among families and expats

• Connected to the Vallnord - Pal Arinsal ski resort

• Good balance of nature, services, and international community

4. Ordino

• Biosphere reserve, the greenest and most traditional parish, with a focus on culture and sustainability

• Very peaceful, with spectacular landscapes

• Ideal for those seeking quality of life, silence, and nature

5. Canillo

• High mountain area, ideal for ski lovers (Grandvalira)

• More rural and authentic atmosphere, yet with good infrastructure

• Highly valued for passive residence or active tourism

6. Encamp

• Well connected to Grandvalira and with fast access to France

• More affordable housing

• Interesting option for those seeking a balance between cost and location

7. Sant Julià de Lòria

• Gateway to Andorra from Spain

• Slightly milder and less cold climate in winter

• Home to the University of Andorra and Naturland (adventure park)

• Area with a strong local identity and growing residential development

Taxation in Andorra: low pressure and a stable environment

Taxation in Andorra: low pressure and a stable environment

1. Personal Income Tax

• General rates:

  • 0% on income up to €24,000 per year

  • 5% from €24,001 to €40,000

  • 10% above €40,001

• No massive withholdings like in many other European countries.
• Applies to tax residents (those living in the country for more than 183 days/year or having their economic center of interest in Andorra).

2. Corporate Tax

• Flat rate of 10% on net profits

• Possible reduction to 2% for activities considered innovative, international trade, or technological investment (under specific conditions)

• No wealth tax and no tax on reinvested dividends locally

3. IGI (General Indirect Tax)

• One of the lowest in Europe:

  • 4.5% general rate

  • 1% reduced rate (for food, healthcare)

  • 0% on education, residential rent, and financial services

4. Social Security (CASS)

• Mandatory contributions:

  • Self-employed: ~22% of the minimum base (fixed monthly fee)

  • Companies: ~15.5% (7% employee, 8.5% employer)

5. Key Tax Advantages

• There is no:

  • Wealth tax

  • Inheritance or gift tax

  • Capital gains tax on movable assets for non-residents

• High legal and tax certainty 

• Double taxation agreements (DTAs) signed with countries such as Spain, France, Luxembourg, Portugal, UAE, etc.

1. Personal Income Tax

• General rates:

  • 0% on income up to €24,000 per year

  • 5% from €24,001 to €40,000

  • 10% above €40,001

• No massive withholdings like in many other European countries.
• Applies to tax residents (those living in the country for more than 183 days/year or having their economic center of interest in Andorra).

2. Corporate Tax

• Flat rate of 10% on net profits

• Possible reduction to 2% for activities considered innovative, international trade, or technological investment (under specific conditions)

• No wealth tax and no tax on reinvested dividends locally

3. IGI (General Indirect Tax)

• One of the lowest in Europe:

  • 4.5% general rate

  • 1% reduced rate (for food, healthcare)

  • 0% on education, residential rent, and financial services

4. Social Security (CASS)

• Mandatory contributions:

  • Self-employed: ~22% of the minimum base (fixed monthly fee)

  • Companies: ~15.5% (7% employee, 8.5% employer)

5. Key Tax Advantages

• There is no:

  • Wealth tax

  • Inheritance or gift tax

  • Capital gains tax on movable assets for non-residents

• High legal and tax certainty 

• Double taxation agreements (DTAs) signed with countries such as Spain, France, Luxembourg, Portugal, UAE, etc.

Healthcare System in Andorra: efficient, modern, and accessible

Healthcare System in Andorra: efficient, modern, and accessible

1. Mixed Public-Private Model

Andorra has a mixed  healthcare system  managed by CASS (Caixa Andorrana de Seguretat Social), combining public services with access to private professionals.

• Citizens and residents contribute to CASS (through companies, self-employed, or salaried workers)

• The model is co-financed: the patient pays a portion, and the rest is covered by CASS

2. Healthcare Coverage

• Medical visits: CASS generally covers up to 75% of the cost

• Hospitalization and surgeries: covered up to 90–100%

• Medications: partial reimbursement depending on prescription and type of treatment

• Coverage can be extended through complementary private health insurance 

3. Medical Infrastructure

• Hospital Nostra Senyora de Meritxell: main hospital, modern and well-equipped

• Private clinics, laboratories, health centers, and pharmacies distributed across the country

• 24/7 emergency services and efficient medical transportation

4. Access for Foreign Residents

• Active residents (working or running a business in Andorra) are affiliated with CASS and access the public system

• Passive residents must have private health insurance, which is mandatory for obtaining a residence permit

5. System Quality

• Very short waiting times  compared to other European countries

• Personalized and close attention

• International agreements with France and Spain for emergencies or treatments abroad

1. Mixed Public-Private Model

Andorra has a mixed  healthcare system  managed by CASS (Caixa Andorrana de Seguretat Social), combining public services with access to private professionals.

• Citizens and residents contribute to CASS (through companies, self-employed, or salaried workers)

• The model is co-financed: the patient pays a portion, and the rest is covered by CASS

2. Healthcare Coverage

• Medical visits: CASS generally covers up to 75% of the cost

• Hospitalization and surgeries: covered up to 90–100%

• Medications: partial reimbursement depending on prescription and type of treatment

• Coverage can be extended through complementary private health insurance 

3. Medical Infrastructure

• Hospital Nostra Senyora de Meritxell: main hospital, modern and well-equipped

• Private clinics, laboratories, health centers, and pharmacies distributed across the country

• 24/7 emergency services and efficient medical transportation

4. Access for Foreign Residents

• Active residents (working or running a business in Andorra) are affiliated with CASS and access the public system

• Passive residents must have private health insurance, which is mandatory for obtaining a residence permit

5. System Quality

• Very short waiting times  compared to other European countries

• Personalized and close attention

• International agreements with France and Spain for emergencies or treatments abroad

1. Mixed Public-Private Model

Andorra has a mixed  healthcare system  managed by CASS (Caixa Andorrana de Seguretat Social), combining public services with access to private professionals.

• Citizens and residents contribute to CASS (through companies, self-employed, or salaried workers)

• The model is co-financed: the patient pays a portion, and the rest is covered by CASS

2. Healthcare Coverage

• Medical visits: CASS generally covers up to 75% of the cost

• Hospitalization and surgeries: covered up to 90–100%

• Medications: partial reimbursement depending on prescription and type of treatment

• Coverage can be extended through complementary private health insurance 

3. Medical Infrastructure

• Hospital Nostra Senyora de Meritxell: main hospital, modern and well-equipped

• Private clinics, laboratories, health centers, and pharmacies distributed across the country

• 24/7 emergency services and efficient medical transportation

4. Access for Foreign Residents

• Active residents (working or running a business in Andorra) are affiliated with CASS and access the public system

• Passive residents must have private health insurance, which is mandatory for obtaining a residence permit

5. System Quality

• Very short waiting times  compared to other European countries

• Personalized and close attention

• International agreements with France and Spain for emergencies or treatments abroad

Education in Andorra: trilingual, accessible, and high-quality

Education in Andorra: trilingual, accessible, and high-quality

1. Three Public Education Systems

Andorra is the only country in the world with three official and free public education systems:

AD – Andorran System

• Promotes the use of Catalan as the main language of instruction
• Competency-based education tailored to the local context
• Emphasizes Andorran history and culture

FR – French System

• Entirely in French, following the French Ministry of Education curriculum
  Ideal for francophone families or those seeking a European international education

ES – Spanish System

• In spanih, under agreement with the Spanish Ministry of Education
  Includes catalan and french instruction
  Highly valued by spanish-speaking resident families

2. Educational Stages

• Early childhood education (ages 3–6)

• Primary education (ages 6–12)

• Secondary education (ages 12–16)

• Baccalaureate or vocational training (ages 16–18)

• Compulsory education until age 16

3. University of Andorra

• Offers bachelor's degrees, master'degrees, and continuing education

• Fields of study include nursing, computer science, education, business, and law

• Includes online programs and international partnerships

4. Private and International Schools

• Some private schools offer education in English or multilingual programs

• Example: Agora International School, offering the IB (International Baccalaureate) model

• An attractive option for expatriates or families with an international outlook

5. Advantages of the Andorran Education System

• Trilingual teaching: catalan, spanish, and french, with english as reinforcement

• Small class sizes and personalized attention

• High parental involvement and a safe school environment

• Public education is entirely free 

Gastronomy in Andorra: tradition, mountains, and flavor

Gastronomy in Andorra: tradition, mountains, and flavor

Gastronomy in Andorra: tradition, mountains, and flavor

Gastronomy in Andorra: tradition, mountains, and flavor

1. Mountain Cuisine with Deep Roots

Andorran gastronomy is deeply connected to its natural surroundings: seasonal products, traditional recipes, and clear influences from Catalan and French cuisines.

Typical dishes:

• Escudella: traditional Andorran stew, hearty and complete, with meat, vegetables, and pasta

• Trinxat: a mix of cabbage and potatoes with bacon, typical of the high mountains

• Catalan-style canelons: a local version of stuffed cannelloni

• Snails “a la llauna” and seasonal game (wild boar, deer)

• Homemade cured meats and artisan mountain cheeses

2. Local Products with Strong Identity

Andorra is actively promoting its agri-food production:

• High mountain honey

• Artisan cheeses (cow, sheep, and goat)

• Cured meats in the Pyrenean style

• Craft beer and high-altitude wines

3. Pairings and Contemporary Cuisine

Andorra offers a modern culinary scene that blends tradition with creativity:

• Gourmet and signature restaurants in Andorra la Vella, Escaldes, and Soldeu

• Michelin-starred establishments

• Wine pairings with vintages from southern France, Catalonia, and limited local production

4. Traditional “Bordas”

The bordas (old stone farmhouses converted into restaurants) are the soul of traditional Andorran cuisine:

• Rustic and welcoming atmosphere

• Homemade, seasonal cuisine using local ingredients

• An autentic Pyrenean experience