SELECT * FROM (SELECT
    contatosclientes,
            IF (
            (SELECT cc.* FROM contatosclientes cc where administrativoflag=1) AND (
                (
                    (SELECT cc.* FROM contatosclientes cc where financeiroFlag=1 )
                )
                AND (
                (
                    (SELECT cc.* FROM contatosclientes cc where tecnicoFlag=1 )
                )