REGULATORY, 03Aut. 10077274 · 142 Boulevard de la Pétrusse, Luxembourg

Fintech back-office in Luxembourg, accounting, substance and reporting.

FSL provides the fintech back office: accounting, substance, financial and regulatory reporting. We operate the structure; the licence (PFS, EMI, PI) sits with the CSSF, coordinated with your lawyer. FSL handles reporting and operational compliance; regulated legal advice and authorisations (CSSF) are coordinated with our partner lawyers.

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In short

Fintech back office covers the operational functions of a Luxembourg financial-technology company: accounting, substance, financial reporting and regulatory reporting assistance, distinct from licensing and legal advice.

Reviewed by Mickaël LOCManaging Director · Licensed accountant 10077274 · Updated August 6, 2026Profile LinkedIn

Key takeaway

FSL operates the back office; CSSF licensing sits with the lawyer and regulator.
Substance is an increasing prudential focus.
Approach suited to scale-up and fundraising phases.

Who this is for

Fintechs, support PFS, e-money and payment institutions
Regulated start-ups in the licensing phase
Platforms and neobanks based in Luxembourg

What we do

Accounting and annual accounts
Substance, governance and corporate secretarial
Regulatory and prudential reporting assistance
Coordination with the CSSF, auditor and lawyer

Ready to structure your fintech back-office?

Free first call within 24 hours. Dedicated adviser, NDA from first contact.

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Preparation checklist

Get the list of documents and steps to start without friction.

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Trusted by our clients

4.9/5 · 120+ Google reviewsReviews and case studies →

PPierre AnisimovGoogle reviewExcellente expérience. Communication fluide et équipe très réactive. Très satisfait de leurs services, fiables et professionnels. Je recommande vivement.MMichel NillesGoogle reviewI connected with Financial Services because they were on my list, and it was a fantastic decision. Their expertise in financial services is real.RRonaldo Robalo RochaGoogle reviewIch bin seit mehreren Jahren Kunde und äußerst zufrieden mit ihren Buchhaltungsdienstleistungen. Das Team ist erstklassig.Ccora magloGoogle reviewCette société fait notre comptabilité ainsi que celle de plusieurs de nos clients, sociétés commerciales et holdings, depuis 2017.BBenoit KaldonskiGoogle reviewConfier l'incorporation de ma société à Financial Services a été un véritable soulagement. Leur maîtrise des démarches administratives est remarquable.AAlicia MartinGoogle reviewService très professionnel et compétent. Les prix sont très abordables, rapport qualité prix très positif. Monsieur LOC est une personne formidable.BBonald MeasGoogle reviewMickaël is an expert in accounting and will provide counsel to optimize your tax. Professional, always available and super reactive.SSandra FernandezGoogle reviewMerci pour votre temps et vos conseils, mais surtout pour votre gentillesse et votre humanité. Un comptable-fiduciaire passionné et à votre écoute.AAndrei AlexandruGoogle reviewThe best in Luxembourg, prompt service. A person that everyone wants to have like a friend. Thank you for all the good things.TThomasGoogle reviewUn cabinet d'un grand professionnalisme, attentif aux besoins de ses clients, prodiguant des conseils avisés. Je ne peux que le recommander.FFlorinda NzangiGoogle reviewMuy profesionales en su trabajo. Los recomiendo sin dudar.PPaulina SefikGoogle reviewNous vous remercions pour votre travail et votre rapidité. Deux ans qu'on vous fait confiance et on ne le regrette jamais.

FAQ

Frequently asked questions

Do you handle PFS or EMI licensing?

No. The licence is granted by the CSSF on a legal application. FSL prepares the accounting, substance and reporting, and coordinates the file with your lawyer.

Can you support a start-up in the licensing phase?

Yes, on the financial, accounting and substance side, alongside the licensing file led by the lawyer.

Request a quote

Reply within 24 business hours. NDA from first contact.