LUXEMBOURG, LU / ACCESS Newswire / September 22, 2026 / Fiduciary services in Luxembourg are rarely chosen on price alone. Banks, investors and the tax authorities all look at who keeps a company's books, and a change of fiduciary can affect an account opening as much as a filing deadline. Against that backdrop, Financial Services Luxembourg, an accounting fiduciary based at 142 Boulevard de la Pétrusse, has announced a restructured offering built on three elements: a single point of contact, fixed-fee pricing published in advance, and AI-assisted processes that remain under human review.

Led since 2017 by Managing Director Mickaël LOC, the firm provides fiduciary services to entrepreneurs, SMEs, holding companies, SOPARFIs, family offices, investment funds and foreign groups establishing a presence in the Grand Duchy.

Why the Choice of Fiduciary Matters in Luxembourg

Luxembourg is one of Europe's leading jurisdictions for holding structures, investment funds and international business, and its regulatory environment is correspondingly demanding. Companies established there keep their accounts under the Luxembourg standardised chart of accounts, file annual accounts electronically, submit periodic VAT returns and meet tax, social security and anti-money laundering obligations.

A fiduciary is the operational link between the business and the authorities involved: the ACD for direct taxes, the AED for registration duties and VAT, the RCS for company registration and the CCSS for social security. The quality of that link shapes a company's compliance record, its relationship with its bank and its ability to grow without administrative friction.

Luxembourg law also distinguishes a fiduciary from a trust, and the two are often confused. A trust is a common-law arrangement in which assets are held by a trustee for beneficiaries; its closest Luxembourg equivalent is the fiducie, governed by the law of 27 July 2003. A fiduciary (fiduciaire) is a professional firm providing accounting, tax and corporate services - a service provider, not a holding arrangement.

A Framework Clients Can Check Themselves

Banks increasingly examine the credentials of a company's service providers when opening accounts, so the regulatory basis of a fiduciary is worth checking directly rather than taking on trust.

In Luxembourg, anyone practising as an accountant needs a business permit (autorisation d'établissement) issued by the Ministry of the Economy, granted on conditions of professional qualification and standing and conditional on a fixed place of business in the country. Accounting professionals who are not members of the Ordre des Experts-Comptables fall under the AML/CFT supervision of the AED pursuant to the amended law of 12 November 2004, which brings customer due diligence obligations with it.

Financial Services Luxembourg publishes the details needed to run those checks: business permits 10077274/0 and 10077274/2, RCS number B213987 and VAT number LU29299810. Permits can be verified via guichet.public.lu and the company record via the RCS, so neither the firm nor its clients need to rely on the statement alone.

The firm also sets out what its permits do not cover. A business permit as an accountant is not membership of the Ordre des Experts-Comptables and not approval as a statutory auditor, and the accounting profession operates within limits set by the legislation governing the expert-comptable profession. Work reserved to a chartered accountant (expert-comptable) or an approved statutory auditor (réviseur d'entreprises agréé), and activities falling under the domiciliation law of 31 May 1999, are referred to professionals holding the relevant authorisation, with the client keeping the same point of contact throughout.

Eight Service Areas, One Point of Contact

Rather than coordinating several providers, clients deal with one firm across eight areas of fiduciary work.

• Company formation and corporate life: setting up SARLs, simplified SARL-S companies, SAs, subsidiaries and branches, and supporting the company as it develops.
• Accounting, balance sheets and closing: LuxGAAP or IFRS bookkeeping, reconciliations, year-end work, annual accounts, eCDF validation and filing with the RCS.
• Tax, VAT and payroll: preparation and filing of corporate income tax, municipal business tax, net wealth tax, VAT and personal tax returns, plus outsourced payroll and payslips; transfer pricing documentation is handled with specialist advisers.
• Holdings, SOPARFI and wealth structuring: structuring shareholdings and private assets through SOPARFIs, SPFs, holding companies and family office arrangements.
• Outsourced CFO services: management reporting, management control, treasury management and financial forecasting.
• Investment funds: fund accounting and structuring support for RAIFs, SIFs, SICARs and SCSps, NAV-related work and reporting, carried out alongside the AIFM, the depositary and the approved auditor.
• Governance and directorship: support on substance requirements and corporate secretarial work; directorship mandates and any service falling under the domiciliation law of 31 May 1999 are arranged with authorised providers.
• Regulatory compliance: assistance with AML/KYC procedures, DAC6 and CRS/FATCA reporting obligations, and preparation for ESG/CSRD and MiCA requirements.

Domiciliation and registered office services are reserved under the amended law of 31 May 1999 and are not provided in-house; the firm coordinates them through its partner Cerno Law.

AI-Assisted Processes, Human Sign-Off

The firm has introduced AI-assisted workflows into day-to-day fiduciary work, including automated document collection, OCR data entry and assisted bank reconciliation. According to the firm, automation reduces manual re-keying and shortens turnaround, which supports timely filing and gives clients a more current view of their figures.

Human judgement remains central to the model: the firm's stated policy is that AI outputs are checked by its team, and that advice and filings are reviewed and signed off by a qualified professional before they are issued.

"Our clients expect both regulatory rigour and responsiveness. Automation lets us save time on execution so we can spend it on what really matters: advising them," said Mickaël LOC, Managing Director of Financial Services Luxembourg.

The firm also works within Odoo environments for Luxembourg accounting and tax compliance, covering chart of accounts configuration, VAT returns, eCDF filing, FAIA export and LuxGAAP reporting, as well as migrations from legacy accounting software.

Transparent Pricing

Unclear fees are a common frustration with accounting providers. Financial Services Luxembourg publishes fixed monthly packages starting from €250 excluding VAT for a low-volume SARL or a passive holding company. The final budget depends on the legal form, the volume of documents, payroll, VAT and the level of advisory support required. Quotes are generally issued within two business days, and a full price list is published on the firm's website.

Changing Fiduciary Without Losing Continuity

Many businesses stay with a provider that no longer suits them because changing seems risky. The firm applies a structured four-step transition:

1. notice of termination is sent to the current provider in line with the contractual notice period;
2. the permanent file is recovered, including articles of association, general ledger, trial balances and past filings;
3. an opening balance is prepared and continuity is checked;
4. ongoing filings are taken over.

A transfer can be made mid-year without waiting for the financial year to close. The process is designed to keep VAT and payroll filings running to their existing deadlines, with the first reporting package targeted for the month following handover. A non-disclosure agreement is signed before any documents are exchanged.

"Changing fiduciary shouldn't feel like a risk. With a clear method and close attention to continuity on VAT and payroll, clients can move forward with confidence," added Mickaël LOC.

Multilingual Support for an International Clientele

International founders and investors make up a large part of the client base, and the team works in nine languages, including French, English, German, Luxembourgish, Spanish, Italian, Portuguese, Chinese and Russian. The firm serves clients in Luxembourg City and the surrounding business districts.

The first consultation is free, and enquiries are handled by a dedicated adviser who aims to reply within one business day. At the time of writing, the firm holds a 4.9/5 rating from more than 125 Google reviews, and some clients have entrusted it with the accounting of their trading and holding companies since 2017.

About Mickaël LOC

Mickaël LOC qualified as an accountant in 2008, completing the MSTCF followed by a Master's in Accounting, Control and Audit (CCA). In 2020 he obtained the CCEC from the University of Luxembourg. He has led Financial Services Luxembourg since 2017, advising entrepreneurs, holding companies, investors and funds on setting up and managing their Luxembourg structures.

About Financial Services Luxembourg

Financial Services Luxembourg SARL-S is an accounting fiduciary in Luxembourg operating under business permits 10077274/0 and 10077274/2 issued by the Ministry of the Economy (RCS B213987, VAT LU29299810), and is subject to AML/CFT supervision by the AED. Registered in 2017, the firm provides accounting, tax, payroll, corporate structuring, fund support, governance and compliance services to entrepreneurs, SMEs, holding companies, family offices and international investors, referring work reserved to other regulated professions to authorised providers.

Media Contact

Financial Services Luxembourg
142 Boulevard de la Pétrusse, L-2330 Luxembourg
Tel: +352 661 198 544
Email: contact@financialservices.lu
Website: https://www.financialservices.lu/fr/fiduciaire-luxembourg

SOURCE: Financial Services Luxembourg