Featured articles

In this extract from the podcast “Evergreens by Spuerkeess”, we give the floor to Nick Huberty (Investment Portfolio Manager – Spuerkeess), Julien Ensch (Head of Client Relationship Management – Spuerkeess) and Julien Kohn (Investment Portfolio Manager – Spuerkeess) to look back on an eventful 2025. Between technological shocks, geopolitical tensions and monetary volatility, which trends truly shaped the markets? Discover their insights in this article.

In this short extract from the Evergreens by Spuerkeess podcast, we give the floor to Alexandra Kugener, housing advisor at Spuerkeess. She explains how advisors support customers in their energy renovation projects by combining financial expertise with knowledge of available subsidies.

In this extract from the podcast Evergreens by Spuerkeess, we give the floor to Michel Marx, Team Manager Retail Banking. He explains why the Bank plays a key role in energy renovation and how it adapts its solutions to support its customers.

In this short extract from the podcast Evergreens by Spuerkeess, we give the floor to Arnaud Duban, Director of energieagence. He explains why energy renovation is a major issue for Luxembourg, the remaining obstacles, and how the collaboration with Spuerkeess helps accelerate the transition.

In this short extract from the “Evergreens by Spuerkeess” podcast, we give the floor to Nick Huberty, Portfolio Manager at Spuerkeess, to explain what is driving the financial markets in 2025. He discusses the mixed performance of equities, the effects of US monetary policy, the challenges of diversification and emerging trends such as commodities and cryptocurrencies. He gives a lucid and qualified analysis on prudence and opportunities.

In this short extract from the "Evergreens by Spuerkeess" podcast, Julien Kohn, Investment Portfolio Manager at Spuerkeess, shares his analysis of the financial markets in the first half of 2025. He discusses the effects of China’s DeepSeek AI, tensions related to US monetary policy, European dynamics and the outlook for the months ahead, with a balanced vision of prudence and opportunities in a changing global context.

In this short extract from the “Evergreens by Spuerkeess” podcast, David Schmit, Private Banking Advisor at Spuerkeess, shares his perspective on changes in customer portfolios, the impact of geopolitical and monetary tensions, and emerging investment trends. He discusses the challenges of diversification, the comeback of commodities, and the importance of keeping a cool head during periods of volatility. A pragmatic and forward-looking perspective.

In this short extract from the "Evergreens by Spuerkeess" podcast, we talk to Francesco Ferrero, Head of Artificial Intelligence Research, Data Science, Software Development and Artificial Intelligence Strategy at LIST. He shares his views on the technological, ethical and strategic challenges posed by generative AI. Learn about his views on the importance of frugal, sovereign and responsible AI, and find out about the European initiatives that are shaping the future of this technology.

In this short extract from the "Evergreens by Spuerkeess" podcast, we talk to Nicolas Griedlich, Partner at Deloitte Luxembourg in charge of artificial intelligence and data management, to explore the aims of artificial intelligence in business. He shares his views on the rapid evolution of generative AI, and the challenges associated with digital sovereignty, data quality and employee training. Learn about his analysis of emerging trends, such as agentic AI, and his call for a strategic, responsible and European adoption of this technology.

In this short extract from the "Evergreens by Spuerkeess" podcast, Rachid M'haouach, Chief Data Officer and Head of Business Unit Data Management at Spuerkeess, shares his experience of integrating generative artificial intelligence across the Bank. He considers the enthusiasm of the employees, the structuring of a pragmatic approach based on use cases and the challenges associated with infrastructure, regulation and acculturation. Find out how Spuerkeess is building a sustainable AI strategy, centred on people and aligned with European challenges.

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.

Many people who have recently bought a property or are considering doing so, often feel overwhelmed by the question of how much a sustainable renovation costs and whether it is affordable. Spuerkeess now offers the necessary support with a team of trained experts, the “Energy Coaches”. In this interview, Michel Marx, Team Manager Retail Banking at Spuerkeess, gives us an initial insight into the new customer service and reveals how you can get closer to your dream of a sustainable home with complete peace of mind.

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!

On the occasion of Home Expo, we've brought together all the important information you need to get started on your housing project! From financing to ecological subsidies, you'll find everything you need to know about your future home. Happy reading!

Comfortably installed in his Paris studio, Sam feels privileged compared to his colleagues at the Sorbonne, where he has been accepted for his first year of law studies. Sam walks home from class because strolling through the alleys and lanes of Paris has become a source of inspiration. The support of his parents, financial aid and his state-guaranteed student loan mean that he can concentrate 100% on his studies. Find out more about his approach and the new digital solutions that make student life easier.

Ah, great journeys through unknown lands! Many people undertake them, and even more dream of them. Sophie knows that the taste for adventure is not necessarily a question of age. Since her aunt, although no longer in the springtime of her life, demonstrates this to her every day as she travels the world. But beware: “adventurous” doesn't mean “incautious”! That's why Sophie has a good tip for her relative...

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!