The Access Financial Group is one of the leading international contract management groups, and certainly one of the most experienced. Since 2003 we have looked after the interests of thousands of contractors; their recruitment agencies and their ultimate clients throughout the EU/EEA. There are many reasons to choose Access Financial as your service provider:
Our Solutions:
Employed
Self-Employed
PSC / Limited
Company
Professional Employer
of Record (PEO)
Access Financial are registered with the State Secretariat for Economic Affairs (SECO) and the Employment Service to engage in labour leasing and payroll management activities within Switzerland.
Access Financial is certified according to standard NEN 4400-1. NEN 4400-1 is a national Dutch standard that set requirements for temporary work businesses and contractors of work, including subcontractors, that have their registered office in the Netherlands with respect to the payment of taxes and social insurance contributions and the legitimacy of employment in the Netherlands.
About Us
Local Partners
In each country, we work with leading local accounting and taxation experts to ensure that we and those who depend on us stay entirely within the law.
100% Compliant
We have the necessary licences, proven experience and demonstrable track record to provide you with all the national and international payroll, contract management, tax and immigration services that you need.
Global Presence
We have offices in the United Kingdom, Switzerland (Head Office), Germany, Luxembourg, Cyprus, China, India and Malaysia.
Cost Efficient
We listen carefully to you, understand your personal requirements and needs, and then we collaborate with you to provide our services at reasonable prices.
FAQs
Please check out our FAQs below. Don’t see an answer to your question? Feel free to contact us
Luxembourg Professional Employer of Record
If you have a business outside Luxembourg and wish to employ Luxembourg staff, then Tenebras Sarl can give you a professional employer of record (PEO) service.
You don’t have to incorporate a company in Luxembourg or register your company as a foreign employer. Tenebras Sarl can act as the employer of your staff, and they can work for your business. Tenebras Sarl will ensure that all the employment requirements will be met and attend to any HR issues.
In return for an agreed fixed fee, we will attend to all the activities that need attention, and we will present you with monthly invoices for the costs of employment plus our fees. Nothing could be much more straightforward!
Recruitment Business in Luxembourg or one not in Luxembourg but wanting to do business in Luxembourg
As a recruitment business, you will want to ensure that your contractors work lawfully in Luxembourg, whether Luxembourg nationals or foreigners. All EU/EEA nationals can come to live and work without restriction in Luxembourg. All other citizens must have the legal right to work, and this may be through a work permit, European Blue Card, by family entitlement or Trading License (Autorisation d’Etablissement). Tenebras Sarl can assist the contractor who requires it to obtain the legal right to work.
After that, there are three ways that an employee can be structured compliantly, and these are:
Self-employment
Employment
Limited Company
Not everyone is eligible for all three solutions, and each has its advantages and disadvantages. The only way to establish the best method in a given case is to understand your requirements, clients’ wishes, and the contractor’s best interests.
We demonstrate this by carrying out an in-depth fact find, and we believe that Access Financial Group is unique in using this methodology.
Briefly, Self-employment is a good choice where there is sufficient independence between the contractor and client. Employment is the only method where there is insufficient independence. Where a contractor has a suitable PSC / Limited Company, the localising the contractor and the company can be a way for the contractor to maintain his or her independent contracting activity in a tax and social security efficient way.
A Luxembourg or foreign contractor wanting to work in Luxembourg (or elsewhere)
Luxembourg is a small country that punches economically and administratively above its weight. It also acts as an economic magnet for people living in France, Belgium and Germany who cross the border to work in Luxembourg. From 1st January 2021 British people no longer have the right to live or work in Luxembourg. However, as a country in the Schengen Area, British people may spend up to 90 days in any 180 days for tourism or business purpose but not for gainful work. They will need a work visa as will any third-country national.
Tenebras Sarl can sponsor work permits and assist contractors in obtaining Professional Cards or EU Blue Cards. Subject to having the legal right to work, there are three ways to work legally in Luxembourg:
Self-employment
Employment
Limited Company
Not everyone is eligible for all three solutions, and each has its advantages and disadvantages. The only way to establish the best method in a given case is to understand your requirements.
We demonstrate this by carrying out an in-depth fact find, and we believe that Access Financial Group is unique in using this methodology.
Briefly, Self-employment is a good choice where there is sufficient independence between the contractor and client. Employment is the only method where there is insufficient independence. Where a contractor has a suitable PSC / Limited Company, the localising the contractor and the company can be a way for the contractor to maintain his or her independent contracting activity in a tax and social security efficient way.
My take-home pay in Luxembourg
If you would like to discover your tax and net retention in Luxembourg, you can easily use our free online income calculator.
Our Services
Our services are aimed at customer satisfaction, always ensuring the best value for money, compliance and maximum take-home pay possible in Luxembourg.
Client Onboarding
and Contract
Administration
Payroll
Outsourcing
PSC / Limited
Company Solutions
Tax & Legal
Compliance
Services
Professional Employer
of Record (PEO) Service
Immigration
Assistance
Testimonials
We’re proud of what we do, but you shouldn’t just take our word for it. Here’s what our clients are saying about us.
Our Partners
Each partnership is unique. We focus on creating long-lasting relationships with our partners.
Luxembourg Income & Tax Calculator 2022
Calculate your take-home pay in Luxemburg using our online income calculator below.
Disclaimer: The calculation is an illustration based on various assumptions and is meant to provide an indication of what you may take home as net pay. For a more detailed projection please contact our customer support by clicking on the “TALK TO AN EXPERT” button above.