Country Overview
Luxembourg is a popular place to relocate to, with a strong economy, high standard of living, and a multicultural environment centered around vibrant, well-connected cities.
This comprehensive guide is designed to simplify your transition to Lux life, detailing essential steps and practical tips to ensure a smooth and less stressful relocation. From obtaining the necessary visas to understanding the cost of living, setting up bank accounts, and securing health insurance, this guide covers all critical aspects of starting your new life in Luxembourg.
Whether you’re planning your move or already packing your bags, this step-by-step guide will help you manage the practicalities of living and working in Luxembourg.
DOWNLOAD THE GUIDEABOUT US
Access Financial is the leading global provider of contract management, outsourced payroll and umbrella services. We offer customised and compliant solutions to corporate clients, recruitment agencies and professional contractors.
OUR ACCREDITATIONS & ASSOCIATIONS
22
years of experience confirm our competence
Employment in Luxembourg
One of our solutions for contractors in Luxembourg is to operate through our umbrella company. We handle all billing, payroll and withholding deductions (e.g. income tax/social security) and payments on your behalf. You’ll receive full administrative support from our umbrella company while remaining responsible for your client work and deliverables.
Self-Employment in Luxembourg
Self-employment is often the simplest business model for independent contractors, allowing them the flexibility to work with multiple clients over various time frames. Contractors simply invoice their clients at agreed intervals, either based on time spent or upon project completion.
To maintain eligibility, it is essential to ensure there is no employment or subordinate relationship with the client. Should such a relationship be found, defending your self-employed status before the tax authorities can be difficult. In such cases, both you and the client risk being subject to a deemed employment ruling, which could result in employer social security contributions becoming payable.
EOR in Luxembourg
As an Employer of Record (EOR) service provider, we will be your legal employer in Luxembourg, while you perform services on behalf of the end client. This is typically necessary when the client does not have a legally registered entity in the country, or even if they do, they may prefer not to manage payroll or navigate local employment laws.
We will efficiently handle your onboarding, record maintenance, all legal employer obligations (payroll processing, income tax/social security deductions/payments, commissions, health insurance, and other benefits) on behalf of your client.
OUR SOLUTIONS:
Employed
Self-Employed
EOR
SERVICES
Contract
Management
We take care of all onboarding procedures, payroll, compensation and benefits, tax filing, and termination of employment in 60+ countries.
Payroll
Outsourcing
Our payroll services are fully compliant and designed to make the most of your contractor revenue.
Tax & Legal
Compliance
We offer personalised consultations for all contractors to evaluate your specific needs prior to your relocation to the work country, throughout your stay, upon your return, and following your arrival back home.
Work Permits &
Immigration Assistance
Our immigration experts will navigate through the requirements and processing times, as they vary by country, for you.
Employer of Record
Service
We will recruit you on behalf of your client in the target country through our established local business entity and will efficiently manage your onboarding, record maintenance, payroll processing, tax filings, commissions, health insurance, and other benefits.
Need an illustration?
Speak to us today
Our dedicated sales team is ready to provide you with a tailored quote and offer guidance on all aspects of the global mobility.
Best choice
AF has greatly simplified the process of hiring and paying people for our company. The platform is highly intuitive and user-friendly, and the support team at AF has consistently exceeded our expectations in responding to our requests.
Antony Tonmberg
CEO
AF has made hiring internationally easy!
AF has significantly simplified our process of hiring international talent. They offer knowledgeable experts in each country, ensuring that we comply with local regulations for every hire.
Maria Kolesnikova
HR Director
Great platform and user-friendly
Access Financial provides me with a comprehensive, secure payroll platform that is user-friendly and operates on any device.
Andreas Koulogiras
Contractor
Thank you for your assistance
I like that WFM has a wide range of modules like timesheets, invoicing, expenses etc., which help me when working with different clients in Europe and Asia.
Kevin Corbet
Contractor
Since March 2022, I’ve been on this amazing journey with Access Financial
Honestly, it’s been the happiest and most fulfilling chapter of my career. Thank you for the trust, the learnings, and for being a part of this memorable journey. I genuinely wish for a bright and prosperous future for all of us.
Andreas
Contractor
If there is anything to remember about AF, it is the clarity, the honesty and the discretion
After several years of collaboration with you, I regret to announce my departure from AF. It has been a real pleasure to have made this part of road with you, and I wish you full success with other collaborators. I regret my departure from your company, but the rules decided otherwise.
Ahmed Mohammedi
Contractor
I’ve been using Access Financial services for more that one year and so far I’m fully satisfied with my choice
The company is providing prompt and valid support to all my needs as contractor and I recommend it.
Cesare Pittarello
Contractor
I want to take this opportunity to thank you for the good experience I’ve had the last 3 years working with AF
I feel a sense of trust in AF and for me that is what is most important in any business relationship.
Roy Harris
Haricom Limited
I would like to thank Access Financial Team for all your help on my urgent matter
A special mention to Louise and her commitment to help me promptly and in any possible way, even by disturbing some of her annual leave. You’re very lucky to have such people within your team!
Christos
Contractor
I want to thank Access Financial for your assistance with immigration
My special thanks to Team Europe, their service was very professional. They were always quick to respond, provide me with answers and solutions.
Luke Williams
Contractor
It was always a pleasure to work with AF
Before when I worked in Belgium and now in Germany, the service was always very pleasant. So yes, in the case I will need any umbrella company, I will surely contact only you.
Vlado
Contractor
I like the transparency you work with
I will let people know in my network with the services you provide.
Harshit
Contractor