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Intragroup financing in Luxembourg, structure debt, secure deductibility.

Intragroup financing organises loans and financial flows within a group through a Luxembourg company. Its robustness rests on an arm's length margin, real substance and compliance with the interest deduction limitation. FSL documents, computes and ensures compliance; legal opinions and reserved acts are coordinated with our partner lawyers and notaries.

In short

Intragroup financing structures loans, advances and financial instruments between related entities through a Luxembourg financing company. Its taxation depends on respecting the arm's length principle, substance and the interest deduction limitation rule.

Legal basis

Arm's length on financing transactions: art. 56 and 56bis LIR, circular LITL no. 56/1-56bis/1 of 27 December 2016 (risk capital, margin). Interest deduction limitation: art. 168bis LIR (ATAD transposition).

Key takeaway

  • A financing company must have substance and risk-bearing capital.
  • The margin must be arm's length and documented (2016 circular).
  • Interest deduction is capped by art. 168bis LIR (ATAD).

Who this is for

  • Groups centralising financing through a Luxembourg entity
  • Holdings and SOPARFIs lending to subsidiaries
  • Acquisition vehicles carrying debt
  • Cash pooling and group treasury companies

What we do

  • Structuring of the financing company (capital, instruments)
  • Arm's length margin determination and documentation
  • Interest deduction limitation scoping (art. 168bis LIR)
  • Substance, governance and accounting
  • Transfer pricing and loan agreement coordination

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Preparation checklist

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FAQ

Frequently asked questions

What is an intragroup financing company?
A Luxembourg company lending to related entities. Its remuneration must be arm's length, justified by real substance and risk-bearing capital, in line with the circular of 27 December 2016.
Is interest always deductible?
No. Art. 168bis LIR, from ATAD, caps the deduction of exceeding borrowing costs (in principle 30% of tax EBITDA or EUR 3 million, whichever is higher), with exceptions. We scope your situation.
What substance for a financing company?
Decision-making bodies in Luxembourg, real competence, capital suited to the risk borne and local accounting. We calibrate substance with you.
Must intragroup loans be documented?
Yes: loan agreements, arm's length analysis and transfer pricing documentation are essential to defend the tax treatment.
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