Financial Services Luxembourg is a licensed accounting firm and fiduciary (auth. 10077274) based at 142 Boulevard de la Pétrusse, Luxembourg City. Led by Mickaël LOC, an accounting graduate since 2008, it serves entrepreneurs, SMEs, holdings, investors and funds. Registered with the RCS since 2017.
Financial Services Luxembourg is an accounting firm licensed by the Ministry of the Economy (permit 10077274) and registered with the RCS under B213987 since 2017. From Luxembourg City, it keeps the books, prepares annual accounts, handles VAT and payroll and structures holdings for its clients, in nine languages.
| Legal name | Financial Services Luxembourg SARL-S |
|---|---|
| Status | Licensed accountant (neither an OEC expert-comptable nor a statutory auditor) |
| Business permits | 10077274/0 (accountant, 2017) and 10077274/2 (ancillary activities, 2020) |
| RCS · VAT | B213987 · LU29299810 |
| AML/CFT supervisor | AED (Luxembourg Registration Duties, Estates and VAT Authority) |
| Address | 142 Boulevard de la Pétrusse, L-2330 Luxembourg |
| Opening hours | Monday to Friday, 8 am to 8 pm |
| Working languages | Nine: French, English, German, Luxembourgish, Spanish, Italian, Portuguese, Chinese, Russian |
| Clients | Entrepreneurs, SMEs, holdings and SOPARFI, funds, family offices |
| Managing Director | Mickaël LOC, accounting graduate since 2008 |
Financial Services Luxembourg holds a distinctive position in the Luxembourg market: a human-scale fiduciary that handles, under a single signature, matters the market usually splits between three or four providers. Company formation, accounting, SOPARFI holdings, consolidation and fund accounting are run by the same team, with no information lost between stages.
Founded by Mickaël LOC, an accounting graduate since 2008 who worked in the finance functions of large groups (Havas, Bouygues Construction, Castel) and investment structures, the firm is sought out by principals whose needs go beyond bookkeeping: entrepreneurs preparing a sale, families organising a succession, sponsors launching a fund, foreign groups setting up a holding. Its strength lies in a dual culture: that of the fiduciary practitioner and that of the consolidation manager who has seen the accounts from the investor's side.
Clients single out responsiveness, a single point of contact who knows the file, and fees published line by line. The firm works in nine languages for clients of more than twenty-eight nationalities and uses AI-assisted workflows; advice and decisions stay human, supervised and signed in Luxembourg.
The firm operates as an accountant in Luxembourg. It holds two business permits issued by the Luxembourg Ministry of the Economy. No. 10077274/0 is issued for the activity of accountant (2017). No. 10077274/2 is issued for activities ancillary to the profession of expert-comptable within the meaning of article 1 of the amended law of 10 June 1999 (2020). It is registered with the RCS under B213987 and VAT-identified as LU29299810. For anti-money-laundering and counter-terrorist-financing purposes, accounting professionals other than experts-comptables fall under the supervision of the AED. These permits confer neither the title of expert-comptable nor that of statutory auditor.
Three situations where an accounting firm changes the outcome, provided it is involved early.
A successful handover rests on readable accounts, organised ownership and governance the family accepts, long before the notarial deed.
The vehicle drives timing, supervision and running costs. The right choice follows the target investors and the strategy, not market fashion.
fund structuring · RAIF, SIF, SICAR comparison · fund accounting
A buyer pays for figures they can verify. Five years is what it takes for structure, accounts and tax to tell the same story in due diligence.
participation exemption · consolidated accounts · acquisition structuring
Unwavering dedication. It is the thread running through everything we do: every client is served with the same intensity, whether an independent or an international group.
Unwavering dedication: your file is handled as if it were ours, down to the smallest detail and beyond the clock.
Every deliverable is supervised and signed. The principal stands behind it as an established professional, never a lent name.
On request, our standard confidentiality agreement is signed before any confidential document is shared, internally compartmented access, European hosting and full traceability.
Lux GAAP, IFRS, ATAD, substance, participation exemption: complexity is our core business, not an exception.
A Luxembourg accounting firm covers the company's whole life cycle, from registration to filing the accounts. Each engagement below has its own detailed page: scope, documents required, deadlines and fees.
preparing the balance sheet · annual accounts and RCS filing
setting up your company · domiciliation by our partner Cerno Law Firm
taking over your file seamlessly · fees published line by line
At the helm of Financial Services Luxembourg, a licensed accounting fiduciary, Mickaël LOC has established himself as a go-to adviser for entrepreneurs, holdings, investors and funds setting up or restructuring in Luxembourg. Across more than eighteen years in practice, he has acted on the full company life cycle: formation, LuxGAAP and IFRS accounting, tax, consolidation, directorship and liquidation.
« Designing structures that banks trust, investors understand and regulators approve. »
Particularly assured on complex cross-border matters, he blends fiduciary rigour, senior-level advice and AI-driven automation, with a single point of contact and on-time delivery, across nine languages.
Havas · Bouygues Construction · Castel · CGA Presse · BPA Experts Associés · Valfidus Invest SCA
Mickaël LOC runs the fiduciary and signs off every file on the firm's behalf. A consolidation practitioner as much as a fiduciary one, he works where accounting, tax and structuring meet: holdings and SOPARFI, multi-entity groups, funds and family offices. Clients describe him as available, direct and practical; he stays their single point of contact from incorporation through to sale or succession.
LinkedIn →Accounting graduate in 2008, working in fiduciary and group finance ever since.
Sole traders, SMEs, holdings, SOPARFI, funds and family offices, resident or foreign.
Consolidation & Reporting Manager at VALFIDUS S.A.: group accounts and investor reporting.
Responsiveness, listening and quality of advice are what clients mention most.
Clients of more than twenty-eight nationalities, served without intermediaries.
Luxembourg professional qualification, after a Master CCA (IAE Paris-Est, 2010).
Director mandates on the holding vehicles of international groups: board meetings held in Luxembourg, governance, economic substance (ATAD) documentation and securing the participation exemption ahead of an audit.
Consolidation of a multi-jurisdiction group: harmonising charts of accounts, intercompany eliminations, the consolidation pack and investor reporting.
SOPARFI / SPF choice, top holding, acquisition and real-estate structuring, coordinated with lawyers, notaries and local banks.
CIT / MBT / NWT returns, participation exemption, transfer pricing and intragroup financing, ATAD and DAC6 compliance.
A project, not yet built: setting up a production center in India (GCC, Global Capability Center model) for data entry, reconciliations and file preparation, under supervision and signature in Luxembourg. No service is delivered from there today; client files are handled by the Luxembourg team.
Havas · Bouygues Construction · Castel · CGA Presse · BPA Experts Associés · Valfidus Invest SCA
Current roles: VALFIDUS S.A., Consolidation & Reporting Manager (since 2020) · ValEnergies, management control, photovoltaics (since 2020)
Education: CCEC, University of Luxembourg (2020) · Master CCA, IAE Paris-Est (2010) · MSTCF (2008) · DUT GEA, Université Paris Cité (2006)
Each file is handled by the expert in its field, under Mickaël LOC's supervision and signature: you always know who is handling your accounts, your payroll or your company.
Fahmi TEMIMI leads the firm's accounting practice and runs the organisation of the service: allocation of client files, the VAT and eCDF filing calendar, and quality review before sign-off. He also handles company liquidations, from the opening of the liquidation to its closure, as well as commissaire and liquidation commissaire (commissaire à la liquidation) mandates.
Alexandra GIRDEVA handles payroll and HR administration for clients: CCSS registrations and deregistrations, monthly payslips, social security filings and the administrative follow-up of employees, from hiring to departure.
Ines MERIDJA supports company formation and corporate housekeeping: business permit applications, coordination with notaries on incorporation and amending deeds, and filing of changes with the Luxembourg Business Registers (RCS and RBE).
A multidisciplinary team (accountants, consolidation and management-control specialists) supported by AI-assisted workflows: decisions and advice stay human, supervised and signed.
Monday to Friday, 8 am to 8 pm, at the office or remotely
The firm serves companies based in Luxembourg City (Kirchberg, Cloche d'Or, Belair, Gasperich), Strassen, Bertrange, Leudelange and Esch-sur-Alzette, as well as groups and investors based abroad.
Free first call within 24 hours. Dedicated adviser, NDA on request before any confidential document.
Yes. The firm holds business permit 10077274/0 for the activity of accountant (2017) and 10077274/2 for activities ancillary to the expert-comptable profession (2020), both issued by the Ministry of the Economy and verifiable on guichet.public.lu. It is registered with the RCS under number B213987.
In Luxembourg, a fiduciary and an accounting firm do the same work in practice: bookkeeping, annual accounts, VAT and payroll. The expert-comptable title is reserved for OEC members, and the statutory audit for approved réviseurs d'entreprises. Financial Services Luxembourg is a licensed accountant and holds neither title.
The firm is located at 142 Boulevard de la Pétrusse, L-2330 Luxembourg. It can be reached Monday to Friday, 8 am to 8 pm, on +352 661 198 544 or at contact@financialservices.lu. Meetings take place at the office or remotely.
Nine: French, English, German, Luxembourgish, Spanish, Italian, Portuguese, Chinese and Russian. The firm serves clients of more than twenty-eight nationalities, resident in Luxembourg or based abroad.
Fees depend on the volume of documents, the VAT regime and headcount. At Financial Services Luxembourg, support for a company starts at EUR 250 excl. VAT per month. The full grid is published on the pricing page and a firm quote is issued within 48 hours.
First check the business permit on guichet.public.lu, then the exact status (licensed accountant, expert-comptable or approved réviseur d'entreprises), the working language, fee transparency and the ability to handle VAT, payroll and eCDF filings on time. A named contact and a written quote before any commitment are two simple signals to require.
Yes, at any time. The new firm reviews the file, retrieves the history from the previous provider and takes over VAT and payroll without interruption. No RCS filing is required unless the change comes with a transfer of domiciliation, which our partner Cerno Law Firm provides.
We hire accounting, tax, consolidation and management-control profiles who want demanding engagements (holdings, funds, international) in a fiduciary that invests in automation and skills development.
See our open roles → · Become an accountant in Luxembourg →
Accounting in Luxembourg combines LuxGAAP, tax, VAT, payroll and compliance. The expert-comptable title is overseen by the Ordre des Experts-Comptables (OEC). We welcome trainees and career-changers wishing to learn Luxembourg fiduciary practice.