Featured articles

Invoice fraud is now one of the most widespread and costly threats to businesses, regardless of their size or industry. It primarily targets business-to-business (B2B) payments and exploits a key factor: the trust established with your regular partners. Understanding how it works and developing the right reflexes is essential to avoid financial losses that are often irreversible. In this article, discover what you need to know about the topic.

Starting a career in Luxembourg often goes hand in hand with a first well-paid job, financial independence, and new life plans. However, one question frequently comes up among young professionals: “Do I really need to file a tax return if it isn’t mandatory?” The answer is simple: in most cases, yes — because it often is financially beneficial. Find out why in this article.

On the occasion of E-Drive Day, cars no longer simply inspire dreams—they also reflect the major transformations of our time. Between rising oil prices, an accelerated energy transition, and new driver expectations, the automotive market is rapidly evolving . And the figures speak for themselves: electric vehicles are now emerging as an increasingly obvious choice, particularly through leasing options.

Are you among the majority of taxpayers who file their tax returns in December? What if we tell you it isn’t a good idea? To start filling in your tax return at the beginning of the year is much better, and in this article we explain why.

Whether you manage your business alone or with a small team, financial tasks can be simplified or delegated thanks to a platform designed to make your day-to-day operations easier. Built to meet your professional needs, S-Net Business is continuously enhanced with new features. Discover how choosing S-Net Business can transform the way you work and help you boost your efficiency.

Why Sophie should start her retirement planning today: The workday is over. Sophie is sitting in her living room, laptop closed, tasks completed. Her daughter Lily is already asleep and her husband Marc is at basketball practice. For the first time in a long while, Sophie can enjoy a moment just for herself. She picks up her smartphone and scrolls through the news. Suddenly, a headline catches her eye: “In 2026, contribute more to your retirement plan and enjoy tax benefits in 2027!” Sophie frowns. What does that mean for me? She has often thought about securing her future but kept postponing the decision. One thing is clear: when she retires, Sophie wants a life free of stress and full of comfort.

Sophie and Marc had been talking about it for months. Between two coffees and a few scrolls through their favourite property app, they dreamed of a light-filled living room, a kitchen where Marc could finally test his recipes without bumping into the fridge… and a balcony for Sophie – because plants are simply a must.

In a context where rents are rising and interest rates are evolving, becoming a homeowner can offer much more than just a roof over your head. It’s a strategic choice—both personal and financial. In this article, we present the main advantages of buying real estate in both the short and long term, while also exploring the reasons why renting can make sense and when it might be the right time to take the step toward homeownership. Discover why buying a property can be a smart decision for your financial and personal future!

Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time. That was, however, already 18 years ago. Time really does fly! The only thing that matters for him right now is to pass his driving licence and buy his first car.

Halfway through our careers, we look back and wonder why we didn’t think about the future sooner. Did you know that even as a non-resident, you can take out a supplementary pension, with all its benefits? Why is the S-Pension private pension scheme the right choice at this stage in your life?

Do you have some savings tucked away? Or have you inherited some money? Sure, you could organise an awesome trip halfway around the world, make some luxury shopping, or simply put the money away in your savings account, however you do have other options to put your savings to work for you by carefully investing it. For beginners investors: in this article we present three approaches for you to flawlessly invest your savings.

Completing studies: check. Finding the first job: check. Having a head full of plans reminds you that you have your whole life ahead of you to achieve them, because you’re young. However, this is precisely why we need to talk to you about your retirement. Retirement may still seem a long way away to you, but read this article to understand why now is the right time to think about it!

Jeff Schmitz made the move from banker to entrepreneur. He traded his tie for an apron, taking over the “Chalet au Gourmet”, well known on local fairgrounds, and a “Gromperekichelcher” production site that sells its wares around the country. A bold and inspiring career move and a genuine success story. We met Jeff at the “Mäertchen”, where he told us about his life change and his daily life as an entrepreneur. The business transfer was accompanied by Johny Basher, our expert in “Transfer of Business” team at Spuerkeess. Happy reading!

Sustainability has long been more than just an ecological buzzword - it affects entire agricultural enterprises, from economic stability to social aspects and daily work processes. With the "SMART-Farm Tool", the Institut fir Biologesch Landwirtschaft an Agrarökologie Luxemburg (IBLA) offers farmers the opportunity to take a close look at their farm and optimise it for the future. We spoke to Evelyne Stoll, Project Manager at IBLA, about the latest project, which was launched with the help of the Fondation pour le Climat under the auspices of the Fondation de Luxembourg and thanks to Spuerkeess.

When Anne Le Moigne took the plunge into entrepreneurship, she already had over 20 years' experience in a completely different field. She went from aeronautics and human resources to bakery and pastry-making, because she was convinced that French know-how could be highly appreciated in Luxembourg, and she wasn't wrong! During our interview, we wanted to understand her career choice, as well as the steps she took to take over BioScott, with the help of our expert in “Transfer of Business” Franck Alter. Enjoy your reading!

Ferdinand-Marc Gallinelli's takeover of the Dessange group in Luxembourg, after devoting virtually his entire career to this internationally renowned French brand, marks the culmination of a successful career. During our interview, we wanted to find out about what motivates him and the various steps that had made him a major entrepreneur in the Luxembourg hairdressing market, as well as the details of this business takeover, which has been supported by our experts Johny Basher and Franck Alter from the “Transfer of Business” team at Spuerkeess. Happy reading!

Fred Giuliani spent his whole career in IT before co-founding a start-up in Luxembourg. With his LetzTrail app, he hasn’t chosen to come to rest, but rather to cover the miles on foot or by bike with his smartphone to guide him. In this article, he tells us about his app and what inspired him to embark on this project. Happy reading!

Originally from Canada and an expatriate, Kasia has plenty of creative ideas when it comes to getting involved in ecological projects. After a baby and a pandemic, her desire to help others was too strong not to embark on an entrepreneurial project. What steps did she take to set up her own business? In this article, she explains her journey. Happy reading!

Growing up in Paris, Thierry developed a taste for cooking. He inherited his entrepreneurial spirit from his Chinese grandfather. With these ingredients, market analyses, recipe tests and production processes, Thierry embarked on the Seabiscuit adventure. Local production, regional products, sheltered workshops - these are just some of the key words in this project. Happy reading!!

Antoine, who originally comes from France and has a background in marketing, decided to try his hand at entrepreneurship in 2021 and set up his company WE ARE VOYAGERS in Luxembourg. His goal: to create a clothing brand made from recycled and French-made garments to consume fashion differently and move away from fast fashion. Happy reading!

Julia drew on her professional experience in environmental education and the development of sustainable and innovative projects to co-create the on.perfekt cooperative. The main aim is to create distribution channels for less-than-perfect food in order to raise awareness of food waste. Happy reading!

Marina, co-founder of WIDE ANDCO, has always been passionate about entrepreneurship. After learning to code, she realised there was a real need to train women in this field. Using digital technology to innovate and create a positive impact is one of her objectives. WIDE ANDCO obtained Societal Impact Company status at the beginning of 2022 and the adventure of this company has only just begun. Happy reading!

Jessica has always considered design to be her vocation. The birth of her son made her reflect on the meaning of her work after being employed as a jewelry designer for several years. Setting up her own creative business, considering ethical and environmental aspects, upgrading existing objects through recycling and upcycling - these are the core ingredients of her DIMANCHE MATIN project. Happy reading!

Alec, Joao and Eric, who has just joined, have created DèsVuStays, a B2B platform that offers all types of accommodation, from company accommodation to long-stay hotel accommodation, thereby helping companies to streamline their search for temporary accommodation for expatriate employees and others. Find out more about their backgrounds, visions and challenges in this article. Happy reading!