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With access to finance still a major challenge for many SMEs in Europe, the InvestEU programme offers a concrete solution. Supported by the European Union and delivered locally by partner institutions, this guarantee mechanism enables high-impact projects to receive support. Jean-Luc Bermes, SME and Real Estate Development Team Manager, sheds light on the role played by Spuerkeess in this programme.

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.

The main things we remember about the housing sector over the past 12 months are the rise in interest rates and the fall in property prices. However, following their fall in 2024, property prices in Luxembourg have now stabilised, and the many measures designed to boost the sector have finally been extended until 1 July 2025. This is good news if you are planning to buy in the near future, as the first half of 2025 is the ideal time to get your property plans back on track.

The difference between buying and leasing a car is purely based on your personal preferences as a consumer. Nevertheless, there are a few nuances between the two financing solutions, and it's up to you to decide. Between comfort, insurance, budget..., find out in this article what leasing and loaning can do for you.

The Luxembourg Private Equity and Venture Capital Association (LPEA) has recently launched a technical committee dedicated to fund financing. In an exclusive interview, Yves Wampach, IRM – Lending-Fund Finance at Spuerkeess and newly elected co-chair of the new ‘Fund Financing’ Technical Committee” within the LPEA, shares the origins of this initiative and its ambitious goals.

Do you like the idea of helping to finance a project that respects the planet and treats its employees fairly, with ethical values? In this case, Alternative Savings from etika should be of particular interest to you. Any project that respects the environment, and/or involves social issues and/or is based on solidarity, is worthy of special attention from Spuerkeess, which proposes a solidarity mechanism, the Alternative Loan, in partnership with etika. Find out more about these two solidarity products in this article, with our expert Zoé Peter, Corporate Relationship Manager at Spuerkeess.  

Private asset funds in general and their ancillary entities have gained a strategic importance within Luxembourg's financial ecosystem and lending to the fund industry is playing a growing role on the financial place. In the context of these market dynamics, Spuerkeess completes its product offering to the Luxembourg fund industry with two main lending products: Equity bridge financing (EBF) to Luxembourg alternative funds and other liquidity credit facilities to mainstream / alternative funds. In setting up a new Luxembourg fund or in driving growth for existing ones, why not taking advantage of such facilities, should the structuring and risk profile match the risk appetite of the bank? In this first article, Paolo RADAELLI, Team Manager Lending-Fund Finance and Yves WAMPACH, IRM – Lending-Fund Finance at Spuerkeess introduce the EBF product offered by the bank.

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.

'Should we buy or rent?', ask Julie and Charel, a young couple in the process of making life's big decisions. Having recently completed their studies, they're now well established in their jobs and looking forward to embarking on a new stage in their lives: the time has come to buy their first home.

Many unforeseen events can occur in life: a desire to move elsewhere for a work opportunity, downsizing your home as you approach retirement, a divorce or separation. These events can cost more than you've acquired so far, so financing is an absolute must! But will your bank support you in this change, given your advanced age?

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.

Louise is 19 years old and lives in Luxembourg with her mother and brother. She has just finished the last oral sessions on her final exams, and is waiting for the results. Phew! Soon a little rest and then the holidays. Despite being an excellent student, Louise put a lot of pressure on herself during her exams. Fortunately, her mother was very attentive, cooking her favourite dishes and supporting her as best she could during this stressful period.