Accounting firm and fiduciary for entrepreneurs, holdings and investors in Luxembourg.
Financial Services Luxembourg SARL-S is the licensed accounting firm (permit 10077274) of entrepreneurs, holdings, international investors, SOPARFI structures, SMEs and family offices in Luxembourg. A single point of contact, from formation to consolidation.
4.9/5125 Google reviews400+
Companies served
2017
In Luxembourg, RCS B213987
28+
Nationalities served
9
FR, EN, DE, ES, IT, PT, LU, ZH, RU
Financial Services Luxembourg in the media
Le Figaro
Each logo opens the original article. Published 2025-2026.
Professional listing
Official partner page, Odoo Accounting Firms directory. View the listing →
Your situation
Looking for an accountant? Find an accountant in Luxembourg.
Before appointing a firm, compare accounting qualifications, review the scope of accounting work and check our published fees. You have a single point of contact. NDA on request before any confidential document.
Request a quoteLooking for an accountant?Accounting, VAT, payroll and statutory filings handled by Luxembourg experts, with transparent fees.See online accountants
Are you looking for a job or an internship?Applications are processed only through our form with your CV, at career@financialservices.lu.See the careers space What do you want to do in Luxembourg?
Pick your goal, we point you straight to the right solution.
Get my accounting doneBookkeeping, accounts, VAT, payrollSet up a companySARL, SA, SOPARFIInvest & structureHolding, SOPARFI, SPFImmigrate to LuxembourgInvestor visaOutsource my financeCFO, reporting, treasuryLaunch a fundRAIF, SIF, SICAR, SCSpSwitch accountantSeamless migrationLiquidate a companyVoluntary or simplified
125 Google reviews, 4.9/52,000+ payslips a yearLicensed accountant, permit 10077274 since 201728+ nationalities served
ComplianceEnd-to-end filings: registration, VAT, annual accounts validated on eCDF then filed with the RCS and CCSS obligations.
Substance & governanceDocumentation to evidence the economic substance of your structure in case of a tax audit (ATAD rules).
Financial reportingOngoing accounts and reporting under Luxembourg (Lux GAAP) and international (IFRS) standards, consolidation included.
ConfidentialityNon-disclosure agreement (NDA) available on request, signed before any confidential document is shared.
Our 8 expertise hubs
Find your need by hub
Each hub gathers the services of a single intent. Click to explore every service and its guides.
01
Company setup & lifecycle
Set up, establish and run your Luxembourg company, without bouncing between providers.
17 services02Accounting, accounts & closing
LuxGAAP bookkeeping, reconciliations, closing work, annual accounts, eCDF validation and RCS filing. For SARL, SARL-S, SA, holdings, SOPARFI, SMEs and groups.
15 services03Tax, VAT & payroll
Tax returns, VAT, payroll and tax incentives, on time, at the right rate.
13 services04Holdings, SOPARFI & wealth
Structuring participation holding and private wealth: SOPARFI, SPF, holding, family office.
13 services05Financial direction (CFO)
Find the right service: outsourced finance leadership, reporting, controlling, cash management or forecasting.
6 services06Investment funds
Structuring a fund and organising accounting for eligible entities: RAIF, SIF, SICAR, SCSp and specialist providers.
13 services07Governance & directorship
Directors, substance and corporate secretarial for solid Luxembourg governance.
10 services08Regulatory compliance
AML/KYC, DAC6, CRS/FATCA, ESG/CSRD, MiCA: staying compliant in a demanding framework.
7 servicesStrategic framework, 01
Luxembourg Business Infrastructure.
Accounting, tax, reporting, governance and operational compliance connected in a structured ecosystem. For entrepreneurs, holdings, investors and international groups.
01, Financial Reporting
Structured financial reporting
02, Corporate Structuring
Legal and tax structuring
- SOPARFIart. 166 LIR
- Holdingspart. exemption
- SPFLaw 11.05.2007
- SARL, SARL-S, SALaw 10.08.1915
- IP Boxart. 50ter LIR
03, Tax & Compliance
Tax and compliance
- CIT, MBT, NWTACD
- VAT, OSS, IOSSAED
- Transfer pricingBEPS
- ATAD, DAC6circ. 164/2
- AML, KYC, RBELaw 12.11.2004
04, Operational Finance
Operational steering
- PayrollCCSS, RTS
- ControllingKPIs, P&L
- Fractional CFOBoard pack
- DashboardsReal time
- Substance, governanceDirectorship
An orchestration layer between you and the authorities.
Seven Luxembourg administrations, banks, notaries, lawyers, depositaries. We operate the interfaces, you keep strategic control.
Four journeys, 04
Where do you want to start?
Four profiles, four genuinely different paths: the language, the proof and the action are matched to your level of engagement.
Family office · UHNWI
Manage wealth
Discretion, consolidated multi-entity reporting, Geneva / Zurich coordination. NDA on request before any confidential document.
Confidential call →International entrepreneur
Set up my company
Turnkey set-up in a few weeks, business licence, pre-structured KYC file for the bank.
Set up my company →Freelancer · self-employed
Go solo
Simple fixed fee and optimised pay. Calculate your net before you even decide.
Calculate my net →SME
Outsource my accounting
Accounting, payroll, VAT, tax. Predictable monthly provision, reporting on the 15th.
Outsource my accounting →Choosing your fiduciary, 05
How to choose a fiduciary in Luxembourg, without getting it wrong.
Eight criteria that separate simple bookkeeping from genuine financial infrastructure. Use them to assess any firm, ours included.
What you should demand
Why it's decisive
Our standard
A dedicated, named contact
Continuity prevents information loss at closing
Named adviser, identified team, from the first exchange
In-house holding structuring
Subcontracting fragments responsibility and lengthens timelines
SOPARFI, SPF, family office handled in-house
Documented, audit-ready substance
Without a substance file, economic reality is hard to show against anti-abuse rules
Substance file, board and secretarial kept continuously
Paced reporting, not annual
Deciding on year-old accounts is driving by the rear-view mirror
P&L and KPIs on the 15th, based on the documents received at closing
Real ecosystem coordination
Fragmented lawyers, banks, notaries cost time and errors
Integrated operational coordination, strategic control retained
Published, predictable pricing
Hourly billing drives overruns and discourages questions
Predictable monthly provision (10% tolerance), firm quote within 48 h
Banking credibility
A weak KYC file makes account opening fail
Pre-structured KYC files, recognised on the marketplace
Real multilingual capability
Legal nuance is lost in approximate language
French and English spoken; 7 more languages in writing, 28 nationalities served
The full checklist, seven criteria in the order we suggest checking them, is on our how to choose your fiduciary in Luxembourg page.
No hidden fees Predictable monthly provision, reviewed once a year; beyond 10%, next year's provision is revised, never retroactively
Reply within 24 h Named adviser. Firm quote within 48 h of scoping
In-house migration Up-to-date file takeover included; catch-up quoted separately
Confidentiality first NDA on request before any confidential document
International coordination Lawyers, banks, notaries, funds
French and English spoken 7 more languages in writing, with translation
Banking credibility Structured, recognised KYC files
Documented substance ATAD compliance, audit-ready
Areas of expertise, entities, standards
Lux GAAP PCNIFRSConsolidation IFRS 10Controlling, CFOSOPARFI art. 166 LIRSARLSARL-SSASPFHoldingParticipation ExemptionIP Box art. 50ter LIRRCSRBEeCDFACDAEDCCSSATADDAC6CRSAMLKYCTransfer pricingTax treaties 80+
VAT · Corporate tax · Luxembourg
Direct answers to Luxembourg's key questions.
Q&A
What is the VAT rate in Luxembourg in 2026?
As of 1 January 2026, the standard VAT rate is 17%, with reduced rates of 14%, 8% and a super-reduced rate of 3% (source AED). It is the lowest standard rate in the European Union.
Q&A
What is the corporate tax rate in Luxembourg?
The aggregate corporate tax rate in Luxembourg City is about 23.87% as of 1 January 2026: corporate income tax of 16%, increased by a 7% employment-fund surcharge, plus the municipal business tax of 6.75%.
Q&A
What is a SOPARFI?
A SOPARFI is a fully taxable Luxembourg company used to hold participations and structure international investments, benefiting from the participation exemption (art. 166 LIR).
Q&A
What capital is required to form a SARL?
The minimum capital of a SARL is EUR 12,000, fully subscribed; since 2 June 2026, the matching cash may be paid up within twelve months if the articles so provide. The SARL-S can start between EUR 1 and EUR 12,000, and the SA requires EUR 30,000.
Q&A
When must annual accounts be filed?
Annual accounts must be approved at a general meeting within six months of the financial year-end, then validated on the eCDF platform, then filed with the RCS, in principle within the month following approval.
Q&A
Does a Luxembourg holding need substance?
Substance requirements depend on the holding's functions, transactions and tax position. Adequate Luxembourg governance, decision-making and documentation matter most where the participation exemption or treaty benefits are relied upon: they are what allows economic reality to be shown against anti-abuse rules (art. 166 (2bis) LIR, § 6 StAnpG).
What happens after you get in touch?
01
Scoping call
First reply within 24 working hours, from a named adviser; firm quote within 48 working hours once the scope is defined. We qualify your need, structure and timeline. NDA on request before any confidential document.
02
Costed proposal
Firm quote and action plan. Scope, fees, deadlines and a dedicated contact clearly defined.
03
Set-up
Incorporation, takeover of bookkeeping or migration. Structured transfer, with no service interruption.
04
Ongoing management
Accounting, filings, deadlines and reporting managed. Proactive alerts on obligations.
Pricing
Our fiduciary fees, with no hidden costs.
Service
Profile
From
Payroll
Tapering: €25 (1-5), €22 (6-20), €20 (21+) + €200 one-off set-up, CCSS and RTS €150 a year each
€25 excl. VAT / payslip
Indicative ranges, excluding 17 % Luxembourg VAT, disbursements and filing fees. Firm quote after scoping.
Migration, 10
Changing accountant in Luxembourg is simpler than most companies think.
Migration of your accounting, tax and payroll file to FSL in 4 structured steps, with no service interruption. Contractual confidentiality, full traceability, perfect compliance.
Start my migration01
Audit of the existing fileReview of the trial balance, general ledger, VAT returns and tax filings in progress. Identification of gaps and watch points before takeover.
02
Data retrievalFormal request to the outgoing provider for the accounting, VAT and payroll history and contracts. NDA and precise schedule.
03
Migration and setupImport of data into our tools. Chart of accounts, analytical plan, bank automations. Takeover of ongoing VAT and payroll without a gap.
04
Operational continuityFirst reporting delivered on the 15th of the following month. Dedicated contact, deadline tracking, alignment on the annual close.
Trust asymmetries, 11
What worries you before changing firm.
Nine legitimate concerns, nine precise answers. Because security is a deliverable.
QCan my former accountant block the migration?
RNo. You remain the owner of your accounting. We make a structured handover request, track deadlines, and take over VAT, payroll and close in parallel to avoid any break.
QWhat if an ACD or AED audit lands during the transition?
RThe file is reviewed for the audit period first: we reconstitute the supporting documents with the outgoing firm and answer the administration under the deadline it sets. No turnaround is promised before the file has been reviewed.
QWill you really respect confidentiality?
ROn request, our standard confidentiality agreement is signed before any confidential document is shared. Compartmentalised internal access, European hosting, full traceability. The standard our family-office clients require applies to all files.
QIs the stated formation timeline realistic?
R4 to 8 weeks depending on the legal form and bank responsiveness. A firm timeline, shared from day 0. If the business license drags beyond 30 days, we escalate the file.
QMy file is complex, will you understand it?
RMulti-jurisdiction holdings, family offices, fund structures, cross-border M&A, IP Box, transfer pricing. Complexity is our core business. We coordinate foreign lawyers, banks and tax advisers as standard.
QHow long before a bank account?
RUsually 2 to 6 weeks. Our pre-structured KYC file (substance, UBO, source of funds, business plan) speeds up acceptance by local banks.
QWill the fees drift during the year?
RNo. The monthly retainer is reconciled once a year against actual hours: within 10 percent, nothing changes; beyond, it is revised for the following year only, never retroactively. Out-of-scope work is billed at published hourly rates, auditable line by line.
QWill you coordinate with my other advisers?
RYes. Business lawyers, foreign tax advisers, private banks, notaries, fund depositaries. We take on the operational coordination to avoid fragmentation.
QWhat happens if I leave FSL one day?
RThe engagement ends at the financial year-end on three months' written notice, with no indemnity; an early exit carries a flat indemnity of three months' retainer, equal to the notice period; the file is handed over within 15 working days in a usable format. Everything is written into the engagement letter, nothing is billed outside it. Leaving is a right, never a fight.
Interactive tools, 12
Estimate before you talk to us.
A free simulator, no commitment. An answer in under two minutes, quantified and transparent.
Fee simulator
What would your Luxembourg back office cost?
A SOPARFI is a company used as a holding vehicle, usually incorporated as a SARL or SA.
Domiciliation (attorney at law, List I)
Indicative monthly range
490 - 690 € excl. VAT / month
Accounting 338.00 €· Payroll + CCSS/RTS 75.00 €· VAT 76.67 €
Indicative recurring budget based on the assumptions below. Annual recapitulative VAT returns, EC Sales Lists, one-off fees and disbursements are excluded; this result does not reproduce the full scope of packages in our published fee schedule.
Payroll includes annual CCSS and RTS communications (EUR 150 excl. VAT each), amortised over twelve months. File opening (EUR 200 excl. VAT, one-off) is not included in this recurring estimate.
Estimate assumptions and scope
The bookkeeping workload model starts at EUR 250 excl. VAT per month (EUR 250 for a passive holding), with an indicative EUR 2.20 adjustment per monthly invoice. The upper bound adds a 40% modelling allowance. These assumptions are not a billing tariff. Your quote specifies the services included in your package.
The EUR 250 company reference, excluding passive holdings, assumes the EUR 10 signature discount: the engagement letter and SEPA mandate must be signed within 48 working hours of receiving the quote. The reference package without this discount is EUR 260 excl. VAT per month.
VAT: EUR 220 excl. VAT per monthly return, EUR 230 per quarterly return or EUR 100 per simplified annual return, converted to a monthly equivalent. The annual recapitulative return (EUR 500 excl. VAT), EC Sales Lists and one-off work are excluded from the calculation; any inclusion in a package is specified in the quote.
Indicative, non-binding estimate. VAT depends on the client situation; disbursements and filing fees are extra. Registered-office services are provided by an attorney at law (List I). Firm quote after scoping.
Get a firm quoteLegal form choiceD0, D5
Business licenseD5, D45
Notarial deed and RCSD45, D62
Bank account and capitalD62, D90
OperationalD100
Pillar, Company formation
Form a company in Luxembourg with no hand-offs between providers.
A single contact from choosing the legal form to the first set of accounts. Partner notary, RCS filing, RBE, bank opening, VAT and CCSS registration, all coordinated.
01
SARL The most versatile form for SMEs and foreign subsidiaries.
€12,00002
SARL-S Ideal for micro-activity or market testing. Individuals only.
from €103
SOPARFI Financial holding. Participation exemption, treaties, family offices and groups.
€12,000Luxembourg
We operate across all of Luxembourg's business districts.
Firm based at 142 Boulevard de la Pétrusse, in the heart of Luxembourg City. We serve clients in Kirchberg, Cloche d'Or, Belair, Strassen, Leudelange, Gasperich and Esch-sur-Alzette. Scope of engagement, fees and the production calendar are set out on the accountant Luxembourg page.
Kirchberg
Cloche d'Or
Belair
Strassen
Leudelange
Gasperich
Esch-sur-Alzette
Operational pipeline, 14
An augmented firm, neither manual nor anonymous.
AI does not replace the expert; it frees their time from repetitive tasks. AI-assisted workflows automate collection, entry and control. Decisions and advice stay human, supervised and signed.
AI workflows, supervised
Automated collection, OCR entry, intelligent bank reconciliation.
Our internal pipelines ingest your documents, extract structured data, automatically reconcile bank and invoices, and flag anomalies to a human expert for the final decision.
- Advanced OCR on supplier invoices and expense notes
- Automatic multi-account bank reconciliation
- Pre-close anomaly detection
- Per-client learned analytical categorisation
- Full audit trail, 10-year traceability
Watch, 24/7
Real-time Luxembourg regulatory watch.
Continuous monitoring of Legilux, ACD, AED, CCSS, ITM. Alerts filtered by client profile and notified within 48h.
Reporting, the 15th
Client dashboard, fresh data.
Private portal access, monthly P&L, cash, custom KPIs. P&L and KPIs delivered on the 15th of each month, based on the documents received at closing.
A living regulatory watch.
All our resourcesEC Sales List Luxembourg: deadlines and exemption
The EC Sales List in Luxembourg stopped being a formality in 2020: a late or inaccurate statement now defeats the intra-Community exemption itself.
Cash payment limit in Luxembourg: thresholds, 2027
The cash payment limit in Luxembourg is not one amount but three distinct rules. Two are in force today, the third applies from 10 July 2027.
VAT option on a commercial lease in Luxembourg
The VAT option on a commercial lease in Luxembourg belongs to the landlord, yet its condition bears on the tenant. The risk therefore sits with a third party, and it runs for ten years.
FAQ
Frequent questions, precise answers.
Are you an accounting firm authorised by the Ministry of the Economy?
Yes. Financial Services Luxembourg is an accountant holding a business licence issued by the Ministry of the Economy: authorisations 10077274/0 (accounting, 2017) and 10077274/2 (ancillary activities, 2020). The firm is subject to AED supervision for AML/CFT purposes. Both authorisations can be verified on guichet.public.lu.
Do you work with non-resident clients?
Yes. We serve international entrepreneurs and investors in French and English, and by email in seven other languages, with experience across 28 nationalities and a command of substance and tax-treaty matters.
Can you take over existing bookkeeping?
Yes. We organise the migration from your current firm: retrieval of balances, takeover of entries, continuity of filings, with no service interruption.
Do you provide domiciliation and a local director?
Domiciliation is provided by an attorney at law (avocat à la Cour) registered on List I of the Luxembourg Bar, who contracts directly with you; we coordinate the set-up. Where substance requires it, we provide an independent director with genuine powers and skills.
What are your response times?
First reply within 24 working hours, from a named adviser. Firm quote within 48 working hours once the scope is defined. Each client has a dedicated contact.
How do you ensure confidentiality?
On request, our standard confidentiality agreement is signed before any confidential document is shared. We apply strict AML / KYC procedures and carry professional indemnity insurance.
Sector references, anonymised by confidentiality agreement
Family OfficeBENELUX
Tech holdingFRANCE
Real estate SOPARFIITALY
SaaS scale-upLUXEMBOURG
Investment fundSWITZERLAND
Industrial groupGERMANY
E-commerce OSSEU
Consulting firmUK
SPF managementBELGIUM
Wealth holdingSPAIN
Logistics SMELUXEMBOURG
Crypto, fintechSINGAPORE
The fastest and smoothest company registration process we've ever experienced.
From idea to fully operational in just 5 days. Fast and simple.
The best in Luxembourg, prompt service. A person that everyone wants to have like a friend. Thank you for all the good things.
I received much valuable information about the registration of SARL companies in Luxembourg. Thank you.
Recently we hired Mr. Mickael LOC for fiduciary services. He is an expert in his field and provided very high-quality work.
An excellent experience working with this accountant in Luxembourg. Real expertise in preparing a detailed business plan.
Timelines quoted by our clients reflect their own file and responsiveness. Our reference schedule remains 4 to 8 weeks, depending on legal form and bank account opening.
Trusted by
Partners & reference clients
Public verification, Ministry of the Economy
Verify our authorisation 10077274 in one scan.
A direct link to the official guichet.public.lu database of the Luxembourg State. Our fiduciary and accounting business license is publicly verifiable at any time.
Check on guichet.lu
10077274Request a quote
Request a quote
First reply within 24 working hours, from a named adviser. NDA on request before any confidential document.