Resident managing director in Luxembourg: present, accountable and documented. I act as manager with real substance, prepare business sales and successions, structure holdings, SPF and SOPARFI, and organise the governance of family wealth, under a state-issued authorisation you can verify. Behind it, more than 18 years in accounting, group reporting and corporate services, and the finance and accounting tools I build with AI.
My work sits at the intersection of financial expertise, entrepreneurship and technology. I build companies, structure them, and design the digital systems that make complex business processes simpler.
A buyer does not buy a company, he buys a file: accounts he can read, contracts he can take over, a structure he can hold and a manager he can replace. I prepare those four things first, then run the introduction and the closing, within the perimeter of my authorisations, and I say where that perimeter stops.
Fees are quoted after a file review, never before. A mandate as director is never combined with a conditional fee on the same company. Start under confidentiality with the mutual NDA.
In Luxembourg, a commercial, craft or liberal activity needs a business permit (autorisation d'établissement) from the Ministry of the Economy, granted to a named person. Mine covers nine activities, each listed in the public register. Each service below is attached to the permit that covers it, with the certificate to download.
Each page states what the permit covers and what stays with the regulated professions: notary, avocat, réviseur d'entreprises, expert-comptable. Fees are quoted after a file review, never before.
A Luxembourg mandate is not a name on a form. The person who signs your accounts, your bank documents and your regulatory filings carries personal responsibility for them. Under the law of 2 September 2011, an authorised activity also requires real, effective and permanent management, not a postal address.
Mandate capacity is deliberately limited: each mandate carries personal responsibility, so the number I hold at any time is capped. Current availability is communicated when the file is opened. Fees are quoted after the file review, never before.
Over the years I have worked across accounting, company formation, corporate structuring and financial reporting, supporting entrepreneurs, investors and companies throughout their Luxembourg business lifecycle.
Alongside that work, I develop digital solutions designed to simplify complex business processes, from accounting automation to positioning and visibility for professional-service businesses.
Whether in accounting, corporate structuring or digital products, complex problems first need to be transformed into understandable systems.
Technology has value when it reduces friction, improves information quality or enables better decisions, not when it adds complexity.
In financial services, innovation cannot come at the expense of reliability, governance or regulatory discipline.
Sustainable business development requires more than short-term acquisition. It requires credibility, processes and execution.
Guides, technical files and reference pages written by Mickaël LOC. Each statement is either sourced or flagged, under the site's editorial policy.
External references are listed only where verifiable: Editus, LinkedIn, FinancialServices.lu. Each external contribution identifies Mickaël LOC and links back to this profile.
Mickaël LOC is Managing Director of Financial Services Luxembourg, supporting entrepreneurs, investors and businesses across their Luxembourg lifecycle. This profile builds the authority. Financial Services converts commercial intent.
Visit FinancialServices.lu →One page on the situation is enough. I tell you whether I can act within my authorisations, and we sign a mutual NDA before any name is shared.
