This paper provides an overview of self-employment in the 12 countries that adopted the euro as their currency. In the euro-zone, entrepreneurship is maintaining regional characteristics, but networking and clustering into industrial agglomerations is becoming very important. We suggest that entrepreneurship is not simply a function of opportunity recognition in isolation, but colored by cultural perception of opportunity. Formerly independent entrepreneurs are increasingly collaborating for mutual benefit, in that which we call “symbiotic entrepreneurship.”