Mickaël LOC/Business partnerFRENDE
Scale · AI · finance · growth · Luxembourg

A partner to scale, starting with the financial backbone.

A business cannot scale on late numbers and a website that does not convert. I work with owners on three layers, in this order: a reliable financial backbone, AI automation of tasks that need no judgement, then acquisition (positioning, website, sales funnel, business development), with governance that follows growth.

✓Establishment authorisation 10077275, verify on the official register

Direct answer
Scaling a business in Luxembourg rests on three layers: a readable financial backbone (fixed-date closing, dashboard, cash), processes automated with AI where no judgement is needed, then acquisition (positioning, website, sales funnel, business development), all under clear governance.
Key facts
Financial backbone
Monthly closing on a fixed date, reporting for the board or the bank, compliance calendar
Applied AI
Traceable automation validated by the professional who signs, never an output the professional cannot stand behind
Acquisition
Positioning, website, visibility in search engines and AI answer engines, sales funnel, CRM
Measurement
In qualified pipeline, not vanity traffic
Fees
Fee per engagement. No equity in a company in which I hold a corporate mandate.
Public reference
Establishment authorisation No. 10077275, nine activities, verifiable on Guichet.lu
Last verified
3 October 2026

Three layers, in this order

Numbers that arrive too late

Without a fixed-date closing, hiring, pricing and financing decisions are taken without visibility, and the bank or investor sees it immediately.

Layer 1: financial backbone
Tasks with no judgement that eat time

Data entry, reconciliations, reminders, document generation: AI removes them if it is traceable and validated by the professional who signs.

Layer 2: automation
Acquisition that does not convert

A website that describes without qualifying, no funnel, no pipeline tracking: traffic does not become meetings.

Layer 3: acquisition
Governance that does not follow

More volume, more staff, more contracts: without written roles and decision rules, growth exposes the structure.

Cross-cutting: governance

What I put in place

  • Financial backbone. Kept accounts, monthly closing on a fixed date, margin and cash indicators, a dashboard readable by a board or a bank.
  • AI automation. Document flows, reconciliations, reminders, generation and review, with traceability and validation by the professional who signs.
  • Acquisition. Positioning, site architecture, visibility (search engines and answer engines), sales funnel, CRM, measurement in qualified pipeline.
  • Growth governance. Roles, powers, decision rules, a manager mandate or a board seat when the structure requires it.
The rule of automation

An automation earns its place only if it is traceable, auditable and validated by the professional who signs. It is the rule I apply to my own accounting and compliance tools, and it is the one I apply with you.

Three engagements

01 · Backbone

Financial backbone

Owners who want reliable numbers before scaling.
  • Kept accounts and monthly closing on a fixed date
  • Margin, cash, steering indicators
  • Dashboard for the board or the bank
  • Twelve-month compliance calendar
Monthly feeSet in writing before work starts.
02 · AI

AI automation of finance and accounting

Businesses whose teams lose time on repetitive tasks.
  • Mapping of tasks with no judgement
  • Automated, traceable, validated flows
  • Rule register and audit log
  • Team training
Engagement feeQuoted after the mapping.
Most requested
03 · Acquisition

Acquisition and sales funnel

Businesses whose growth depends on qualified requests arriving.
  • Positioning and site architecture
  • Visibility in search and answer engines
  • Sales funnel, CRM, qualification
  • Pipeline dashboard, not traffic
Engagement feeSet in writing with a precise scope.

What my authorisations cover, and what stays outside

Step
What is delivered
Basis
Financial backbone and accounting
coveredBookkeeping, monthly closing, annual accounts, VAT, reporting for the board or the bank.
Authorisation 10077275 / 0 · accountant (comptable)
Corporate secretarial and registers
coveredRegisters, resolutions, calendar, filings.
Authorisation 10077275 / 3 · auxiliary commercial services
Team training
coveredTailored programme: reading accounts, statutory calendar, tools.
Authorisation 10077275 / 8 · continuing professional training
Manager mandate or board seat
coveredHeld in my own name, with conflict-of-interest review and fixed fee.
Authorisation 10077275, corporate mandates
AI automation, website, sales funnel, marketing
partialThese services are not activities named in the nine authorisations. Their scope and contracting entity are written into the engagement letter.
Not in the official list, perimeter written into the contract
Binding legal and tax advice
outsideLawyer registered at the bar and tax adviser.
Separate regulated professions
Investment advice, regulated fundraising
outsideFinancial-sector activities, not carried out here.
Amended law of 5 April 1993

What I do not accept

  • Engagements with no prior written diagnostic.
  • Promises of growth, traffic or return before the business has been reviewed.
  • Any equity in a company in which I hold a corporate mandate.
  • Automations whose output cannot be validated by a professional who signs.

How an engagement starts

Step 01
Mutual NDA

Signed before any figures, customers or plans are shared.

same day
Step 02
Review

Existing numbers, processes, website and pipeline.

indicative: 5 to 10 working days
Step 03
Written diagnostic

The three layers, their priorities, the proposed scope, the fees.

indicative: 2 to 3 weeks
Step 04
Engagement

Scope, deliverables, timetable, fees and exclusions fixed in writing.

before any start

Start with the NDA

Document · Mutual NDA · Luxembourg law
Confidentiality agreement, corporate engagements and directorships
To be signed before any name, structure or counterparty is discussed. Readable online, or downloadable as a PDF to return signed.
Draft subject to legal validation. The NDA is a structured template, not legal advice. Its scope and wording must be validated by a Luxembourg legal professional before use.

Intents covered by this page

IntentBusiness partner for ownersBackbone, automation, acquisition, governance.IntentAI for finance and accountingTraceable, validated automation.IntentSales funnel and a site that convertsAcquisition measured in pipeline.See the projects →IntentGrowth governanceManager, board, decision rules.Local manager page →

Authorisation certificates to download

Each certificate is the official document issued by the Ministry of the Economy, with its QR code. Scan the QR code with the GouvCheck app, which checks the authenticity and currency of the document.

GouvCheck QR code of authorisation 10077275 / 0
10077275 / 0
Accountant (comptable)
Issued 25/03/2025
Download PDF ↓
GouvCheck QR code of authorisation 10077275 / 3
10077275 / 3
Auxiliary commercial activities and services
Issued 25/03/2025
Download PDF ↓

The authorisation is personal and revocable. Public verification: official Guichet.lu register.

Evidence and verification

Every statement on this page that can be verified independently is listed below with its source. Items that cannot yet be verified are flagged and are not presented as facts.

Claim
Evidence
Source
Establishment authorisation 10077275
verifiableNine activities, issued by the Ministry of the Economy
Public register Guichet.lu
Financial backbone of a 150-entity group
verifiableIFRS and Lux GAAP closings, consolidated accounts, notes
CV and selected files
AI compliance tools built
verifiable24-state onboarding machine, legal rules coded with their legal basis
Selected files
Scope of digital services
declaredScope and contracting entity written into the engagement letter
Statement by the holder

This page follows the site's editorial policy: a statement is either sourced or flagged. Corrections follow the corrections policy. The content is general information, not legal or tax advice.

Frequently asked questions

What does being a business partner to scale mean?
Working with the owner on a defined scope and fixed fees: a reliable financial backbone, AI automation of tasks that need no judgement, then acquisition. It is not an equity stake, and governance follows growth.
Why start with the financial backbone?
Because a banker, an investor or a buyer reads the numbers first. A fixed-date closing and a readable dashboard avoid taking hiring, pricing or financing decisions without visibility, and make growth financeable.
How do you use AI without risk?
An automation is installed only if it is traceable, auditable and validated by the professional who signs. Rules are versioned, an audit log keeps the actions, and no output is used without review when it binds the business.
Are your website and marketing services covered by your authorisations?
Not by name: the nine authorised activities cover accounting, auxiliary commercial services, real estate, training and others. Website, AI and marketing services are therefore contracted with a scope and an entity written into the engagement letter.
Do you take equity in the businesses you support?
Not in a company in which I hold a corporate mandate, to preserve the independence that justifies the mandate. Any other discussion is held separately and in writing, never within an advisory engagement.
How do you measure the result?
In qualified pipeline: requests received, meetings held, files opened. Traffic alone is not a result. The indicators are defined in writing before the engagement starts.

Read next

EvidenceSelected filesFour quantified matters, role and jurisdiction.Read →ProjectsDigital projectsWebsites and platforms built.See the projects →Related pageLocal manager in LuxembourgGovernance and resident manager.Read →ReferenceEstablishment authorisation 10077275The nine activities and the official register.See the authorisations →

Describe the business and the growth stage.

Indicative turnover, team, main blocker. One page is enough for a first answer, under NDA.

Open a growth discussion →