Cookie Policyhttps://www.bil.com/en/Lists/BILInternetAlerts/DispForm.aspx?ID=1Cookie PolicyCookies are used to ensure that BIL's online services work correctly. By not disabling cookies you are consenting to their use on your computer.1

/PublishingImages/site-entreprises/section-category-independants.jpg

Self employed or professional

With BIL, you make the right choices for developing your business activity and making the most of your personal situation.

A Relationship Manager is dedicated to each of our clients. The Relationship Manager is available to advise you on your professional plans (setting up or acquiring a business, developing it, acquiring premises or business assets) and your personal plans (wealth management, property purchases, tax management, retirement savings).

With your interests at heart, the Relationship manager offers you guidance by drawing on the experience and expertise of BIL's teams and its specialist partners: Private banking, leasing, insurance, tax management, etc.

Your BIL Relationship Manager is your dedicated point of contact for all your banking and financial needs.

 

 

Setting up your businesshttps://www.bil.com/en/corporations/self-employed-or-professional/Pages/setting-up-your-business.aspxSetting up your business<!-- section : personne responsable --> <div data-section="Introduction" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-person"> <div class="grid-person-col-1"><img src="/PublishingImages/site-entreprises/visual-column-marcpaffenholz.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Marc PAFFENHOLZ</h2> <p class="grid-person-description">Professionals</p> <p>All entrepreneurs need to make the right choices before starting out but also throughout all stages of growing their business.</p> <p>Based on its knowledge of self-employed and professional business people, BIL has developed a personalised coaching programme, BIL Start, and a set of related banking products.</p> <p>Phone: <a href="tel:+35245901"><i class="fa fa-phone"></i> <strong>+352 4590-1</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p> </div> </div> </div> </div> <!-- section : contenu --> <div data-section="BIL Start Programme" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-installer-programmebilstart.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">BIL Start Programme</h2> <p><strong>BIL supports business start-ups and acquisitions through its BIL Start programme.</strong></p> <p>Would you like to be given effective support for your project? Did you know that there are a number of administrative and financial topics that entrepreneurs need to keep in mind? Are you wondering whether you will need to provide financial guarantees?</p> <p>BIL offers you personalised support throughout all the business start-up or acquisition procedures:</p> <ul class="list-check"> <li>Helpful, practical advice on setting up.</li> <li>A financial analysis of your project.</li> <li>Recommendations on the choice of legal form.</li> <li>Help with preparing applications for direct aid or public subsidies, if you are eligible for these.</li> <li>Regular follow-up during the business's growth phases.</li> </ul> <p><strong>Your BIL Relationship Manager is there to help you take advantage of the BIL Start programme.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Pro Medico and Pro Legal packages" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-installer-programmebilstart.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Pro Medico and Pro Legal packages</h2> <p>Two specific packages are available for doctors (BIL Pro Medico) and self-employed legal professionals (BIL Pro Legal).</p> <p><strong>With BIL Pro Medico and BIL Pro Legal, the basic services you need are free:</strong></p> <ul class="list-check"> <li>Postage (monthly statements to Luxembourg and Europe).</li> <li>Electronic transfers (eurotransfers and transfers between BIL accounts).</li> <li>Standing orders.</li> <li>Direct debits.</li> <li>2 credit cards included.</li> <li>Lower interest rates for your mortgage.</li> <li>Advantages on investment products.</li> </ul> <p><strong>Choose an option that best suits your needs with your BIL Relationship Manager!</strong></p> </div> </div> </div>
Managing day to day financeshttps://www.bil.com/en/corporations/self-employed-or-professional/Pages/managing-day-to-day-finances.aspxManaging day to day finances<!-- section : personne responsable --> <div data-section="Introduction" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-person"> <div class="grid-person-col-1"><img src="/PublishingImages/site-entreprises/visual-column-marcpaffenholz.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Marc PAFFENHOLZ</h2> <p class="grid-person-description">Professionals</p> <ul class="list-check"> <li><strong>Online banking</strong> to manage accounts remotely and quickly carry out day-to-day banking transactions.</li> <li><strong>Fully secure payment solutions for professional purchases </strong> (bank cards, direct debit, standing orders, national and international transfers).</li> <li><strong>Systems for easy and secure collections</strong> (European direct debit, electronic bank card payments, cash deposits).</li> <li><strong>A full range of bank guarantees</strong></li> </ul> <p>BIL can also offer you banking packages on preferential terms: Pro Medico for doctors and Pro Legal for self-employed legal professionals.</p> <p>Phone: <a href="tel:+35245901"><i class="fa fa-phone"></i> <strong>+352 4590-1</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p> </div> </div> </div> </div> <!-- section : contenu --> <div data-section="Online banking solutions" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-gererquotidien-banqueligne.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Online banking solutions</h2> <ul class="list-check"> <li><strong>Time savings and responsiveness</strong> : by means of a simple Internet connection, view all the relevant information about your professional accounts and quickly make transfers 24/7.</li> <li><strong>Ease of use</strong> : manage all your banking transactions, including international transactions, simply and securely. You can also track stock market prices and place orders online.</li> <li><strong>Fees</strong> : enjoy attractive rates for a number of services.</li> </ul> <p>In practice, BIL offers you the following :</p> <ul class="list-check"> <li><strong>BILnet Pro</strong>: The BILnet Pro Internet platform gives you access to all your BIL bank accounts and enables you to carry out all your banking transactions.</li> <li><strong>MultiLine</strong> : Multiline is a multi-bank online tool for businesses. You have direct access to all your professional accounts held at Luxembourg banks.</li> <li><strong>BILnet Mobile</strong>: BIL's mobile banking solution enables you to manage bank accounts remotely using your smartphone. </li></ul> <p>With <strong>LuxTrust certificates</strong> (Smartcard, Signing Stick or Token), you have the perfect solution for accessing the various applications and for logging in and signing documents or bank transactions electronically (account view, transfers, payment transactions in Luxembourg and abroad, online investments, etc.).</p> <p>If you would like to take advantage of BIL's online banking solutions, please get in touch with your Relationship Manager now.</p> </div> </div> </div> <!-- section : contenu --> <div data-section="Managing your spending" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-gererquotidien-depenses.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Managing your spending</h2> <p><strong>BIL offers a wide choice of highly secure payment solutions for professional purchases.</strong></p> <h3 class="title-3">Business bank cards</h3> <p>BIL particularly recommends Visa Business and MasterCard Silver credit cards from its range of bank cards for business use.</p> <p>These cards offer a number of advantages:</p> <ul class="list-check"> <li>Payment at millions of retailers in Luxembourg and worldwide.</li> <li>Cash withdrawals in Luxembourg and abroad.</li> <li>Simplified accounting by avoiding the need to pay for business expenses using your private card.</li> <li>24/7 monitoring of transactions and balances on BILnet.</li> <li>Preferential assistance and insurance services for your business travel.</li> </ul> <h3 class="title-3">Payments using your BIL account</h3> <p>BIL offers you a full range of payment solutions for easier day-to-day banking :</p> <ul class="list-check"> <li><strong>The new SEPA European direct debits </strong> for making payments to your usual providers by automatic direct debit within a specified deadline. For a detailed breakdown of how this product works, download our <a href="/Documents/brochures/sepa-en.pdf">SEPA Direct Debit brochure</a>.</li> <li><strong>Standing orders</strong> : a standing order instructs BIL to pay, on a specific date and from your current account, the same amount into the same beneficiary's account. This solution is particularly suited to fixed recurring costs such as property rental or lease payments.</li> <li><strong>National and international transfers within the European Union</strong>: Transfers in favour of any Luxembourg or European account identified with an IBAN code are made within one day on average in Luxembourg and within three days at the latest outside Luxembourg.</li> <li><strong>International transfers </strong> for secure transfers in euro or in a foreign currency into foreign bank accounts.</li> </ul> <p><strong>To carry out or view these transactions easily and cost-effectively, use the BILnet or Multiline online banking platforms.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Managing collections" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-gererquotidien-encaissements.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Managing collections</h2> <p><strong>BIL offers you a range of effective solutions for optimising, protecting and centralising collection flows while simplifying the paperwork.</strong></p> <ul class="list-check"> <li><strong>European direct debits:</strong> SEPA-format European direct debits enable you to collect client payments in a secure and standardised manner (no difference between national and foreign clients).</li> <li><strong>Electronic bank card payments </strong> (V-PAY, Maestro, MasterCard or Visa): this system makes accounting easier and helps your clients by making payments more convenient.</li> </ul> <p>As part of the support we provide you, we put you in contact with companies that specialise in payment systems and with electronic terminal suppliers.</p> <ul class="list-check"> <li><strong>Cash deposits </strong> : BIL provides you with a network of ATMs which enable you to securely deposit cash both day and night.</li> </ul> <p>For complete security, you can also delegate cash transportation to a specialised BIL partner.</p> <p><strong>Your BIL Relationship Manager is there to advise you on setting up collection management solutions.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Bank guarantees" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-gererquotidien-garantiesbancaires.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Bank guarantees</h2> <p><strong>To guarantee execution of your contractual obligations, you will be able to offer your partners solid bank guarantees.</strong></p> <p>BIL will commit itself and provide a bank guarantee in a variety of situations :</p> <ul class="list-check"> <li><strong>Performance bond</strong>: it provides your client with a guarantee that the purchase order will be honoured as specified and in accordance with the contract.</li> <li><strong>Guarantee of refund of deposit</strong> for deposits paid in advance by your clients.</li> <li><strong>Rent deposit</strong> in favour of the landlord of a property of which you are the tenant.</li> <li><strong>Completion bond</strong>: this provides the buyer of a property under construction with a guarantee that the work will be completed if the developer defaults.</li> <li><strong>Guarantee of release of retention bond</strong> in favour of a client.</li> <li><strong>Loan cover guarantee</strong>: this guarantees the repayment of a loan taken out with another bank.</li> <li>etc.</li> </ul> <p><strong>To find out more about bank guarantees, please contact your BIL Relationship Manager.</strong></p> </div> </div> </div>
Obtaining financinghttps://www.bil.com/en/corporations/self-employed-or-professional/Pages/obtaining-financing.aspxObtaining financing<!-- section : personne responsable --> <div data-section="Introduction" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-person"> <div class="grid-person-col-1"><img src="/PublishingImages/site-entreprises/visual-column-marcpaffenholz.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Marc PAFFENHOLZ</h2> <p class="grid-person-description">Professionals</p> <p>BIL provides a variety of solutions to finance your working capital, medium or long-term investments or property purchase.</p> <p>At each stage of your business's growth, your BIL Relationship Manager will help you find the best financing solution.</p> <p>Leasing may also be an attractive alternative to bank loans.</p> <p><strong>BIL offers you a wide range of financing solutions.</strong></p> <p>Phone: <a href="tel:+35245901"><i class="fa fa-phone"></i> <strong>+352 4590-1</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p> </div> </div> </div> </div> <!-- section : contenu --> <div data-section="Working Capital" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-financer-fondsroulement.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Working Capital</h2> <p><strong>BIL provides straightforward, flexible and adaptable solutions to meet your short or medium-term liquidity requirements.</strong></p> <p>Do you need to finance your business's working capital?<br> Are you seeing an increase in client debtor days?</p> <ul class="list-check"> <li><strong>An overdraft facility</strong> is an authorised overdraft with a given ceiling and based on pre-agreed terms. This enables you to meet your working capital requirements for a specific period, which can usually be renewed after one year. Interest is only due from the point at which you call on your overdraft facility.</li> </ul> <p>Are you waiting for project finance to be arranged?</p> <ul class="list-check"> <li><strong>A bridging loan</strong> is a fixed-term overdraft facility. This solution provides temporary financing for a project pending the arrangement of a loan with a repayment plan.</li> </ul> <p><strong>Contact your relationship manager to arrange a credit solution matching your needs.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Investment" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-financer-investissement.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Investment</h2> <p><strong>Developing a business, fitting out premises or purchasing new equipment are projects which require the support of a first-rate banking partner.</strong></p> <p>BIL offers you a complete range of financing solutions to help you implement your projects.</p> <p><strong>The BIL investment loan</strong> is the traditional solution for all investment projects:</p> <ul class="list-check"> <li>Acquiring a business.</li> <li>Investing in property.</li> <li>Investing in equipment, plant or other fittings.</li> </ul> <p>The loan is tailored to your situation:</p> <ul class="list-check"> <li>Term of loan based on the amortisation period of your investment.</li> <li>Fixed or variable rate.</li> </ul> <p>For investments that are eligible for Société Nationale de Crédit et d'Investissement (SNCI) loans, BIL handles the submission of your equipment financing application.</p> <p><strong>Your Relationship Manager will listen and offer you a suitable financing solution for your project.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Property" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-financer-immobilier.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Property</h2> <p><strong>BIL helps you finance your property purchases.</strong></p> <p><strong>The BIL mortgage</strong> is the recommended solution for your projects involving the purchase, construction or conversion of business premises. For a 7-15 year term, the repayment schedule is determined based on your ability to repay and on the amortisation period for the assets financed.</p> <p><strong>Specific loan solutions</strong> have been developed by BIL for property development purposes.</p> <p><strong>Your Relationship Manager is at your service to review your property project and make it happen.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Leasing" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-financer-leasing.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Leasing</h2> <p><strong>BIL Lease, BIL's leasing solution, represents an attractive alternative to a traditional loan.</strong></p> <h3 class="title-3">How leasing works:</h3> <p>You select your equipment and your supplier. BIL Lease purchases the equipment and leases it to you through a lease agreement. The term of this agreement corresponds to the economic lifespan of the asset. You have three options on expiry of the contract:</p> <ul class="list-check"> <li>To purchase the equipment at the initially agreed residual value.</li> <li>To extend the lease with a lower lease payment.</li> <li>To return the equipment to BIL and arrange an agreement for new equipment.</li> </ul> <h3 class="title-3">The benefits of leasing:</h3> <ul class="list-check"> <li>Goods fully-financed with no funding required.</li> <li>Fixed pre-agreed lease payments for the entire period of use of the asset.</li> <li>Ease of replacement of used equipment.</li> <li>Apparent indebtedness reduced.</li> <li>Potential partial or full deduction of lease payments as operating expenses.</li> <li>Ability to reclaim VAT (on lease payments).</li> <li>Ability to benefit from government subsidies (tax rebates).</li> </ul> <p><strong>Your BIL Relationship Manager will introduce you to our leasing solutions.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Vehicle leasing" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-financer-vehiculeleasing.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Vehicle leasing</h2> <p><strong>Leasing is suitable for vehicles used for professional purposes.</strong></p> <p>BIL offers you two leasing options:</p> <ul class="list-check"> <li><strong>Financial leases</strong>: the agreement includes financing the vehicle and can include registration costs and insurance.</li> <li><strong>Operational leasing</strong>: This leasing option, in addition to financing the vehicle, includes a series of usage-related costs such as regular maintenance or repairs. A variety of additional services can be provided: insurance, assistance, tyre replacement, a fuel card or even a replacement vehicle.</li> </ul> <p>You may also consider the option of <strong>leasing back an existing vehicle fleet</strong>. In this case, BIL purchases your vehicle then leases it back to you. You can then enjoy the benefits of a lease while improving your cash flow.</p> <p><strong>To enjoy the benefits of vehicle leasing, please contact your BIL Relationship Manager now.</strong></p> </div> </div> </div>
Investhttps://www.bil.com/en/corporations/self-employed-or-professional/Pages/invest.aspxInvest<!-- section : personne responsable --> <div data-section="Introduction" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-person"> <div class="grid-person-col-1"><img src="/PublishingImages/site-entreprises/visual-column-marcpaffenholz.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Marc PAFFENHOLZ</h2> <p class="grid-person-description">Professionals</p> <p>Thanks to BIL's various savings products, you can generate a return on your cash surpluses.</p> <p>Before making an investment, you should decide how much, for how long and for what return, depending on the associated level of risk.</p> <p><strong>Your Relationship Manager will select the products best suited to your needs from BIL's wide range of savings products.</strong></p> <p>Phone: <a href="tel:+35245901"><i class="fa fa-phone"></i> <strong>+352 4590-1</strong></a><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p> </div> </div> </div> </div> <!-- section : contenu --> <div data-section="Instant access savings" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-investir-dispoimmediate.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Instant access savings</h2> <p><strong>Is access to your savings your main priority ?</strong></p> <p>BIL offers straightforward products that are accessible at all times.</p> <ul class="list-check"> <li><strong>BIL Cash +</strong>: thanks to this savings account developed specifically for businesses, cash can be accessed instantly while earning interest based on a reference rate.</li> <li><strong>Savings Plus Account</strong>: The Savings Plus Account meets the needs of individuals for accessible savings. It is ideal for meeting unexpected expenses, growing capital in the short term or to prepare for an investment opportunity.</li> </ul> <p><strong>To find out more about our instant access savings products, please get in touch with your BIL Relationship Manager.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Specialised products" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-investir-produitsspecialises.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Specialised products</h2> <p><strong>Is investment performance your main priority.</strong></p> <ul class="list-check"> <li><strong>Structured products</strong>: structured products are composite products bringing together various financial products or instruments based on capital protection and risk-taking criteria. These products enable you to diversify your portfolio.</li> <li><strong>Stock market and SICAV</strong> : according to your risk profile and your investment horizon, you can invest in different products such as bonds, equities, Euro commercial paper, EMTNs, investment funds from BIL or issued by third parties (monetary, bonds, equities, mixed and alternative funds), etc.</li> <li><strong>Discretionary mandate</strong> : you delegate the management of your assets to BIL experts. These experts use an active, personalised investment management approach based on the desired risk profile, your investment horizon and your portfolio diversification objectives.</li> <li><strong>Luxembourg life insurance</strong>: life insurance is a simple and effective tool for investment, wealth management and estate planning purposes. In Luxembourg, your assets enjoy special tax advantages and enhanced protection owing to the insurer's legal obligation to keep assets at an independent custodian bank.</li> </ul> <p><strong>To find out more about our specialised savings products, please get in touch with your BIL Relationship Manager.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Wealth management" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-investir-gestionpatrimoine.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Wealth management</h2> <p><strong>Based on its private banking experience, BIL offers self-employed and professional individuals tailor-made savings and investment solutions.</strong></p> <p>We identify the best solutions for managing your assets depending on your requirements, future business prospects, your projects and your investment horizon.</p> <p>Following this analysis, we present you with a proposal suited to your needs covering both financial and non-financial aspects.</p> <p><strong>To benefit from our wealth management expertise, please get in touch with your BIL Relationship Manager.</strong></p> </div> </div> </div>
Obtaining insurancehttps://www.bil.com/en/corporations/self-employed-or-professional/Pages/obtaining-insurance.aspxObtaining insurance<!-- section : personne responsable --> <div data-section="Introduction" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-person"> <div class="grid-person-col-1"><img src="/PublishingImages/site-entreprises/visual-column-marcpaffenholz.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Marc PAFFENHOLZ</h2> <p class="grid-person-description">Professionals</p> <p>Disability, long-term illness, death, etc. Various situations may result in severe financial difficulties. BIL can provide you with solutions to increase your security by maintaining your income, providing an education allowance for your children or to provide your beneficiaries with a capital sum.</p> <p>Your business and assets can also be affected by various events for which plans should be made using the relevant products: insurance of assets and property, professional indemnity insurance, legal protection, protection of payment systems, etc.</p> <p><strong>Your BIL Relationship Manager is there to advise you on setting up health and other insurance solutions.</strong></p> <p>Phone: <strong>+352 4590-1</strong><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i><strong>contact@bil.com</strong></a> </p> </div> </div> </div> </div>
Transferhttps://www.bil.com/en/corporations/self-employed-or-professional/Pages/transfer.aspxTransfer<!-- section : personne responsable --> <div data-section="Introduction" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-person"> <div class="grid-person-col-1"><img src="/PublishingImages/site-entreprises/visual-column-marcpaffenholz.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Marc PAFFENHOLZ</h2> <p class="grid-person-description">Professionals</p> <p>Lack of preparation could become a source of concern for your employees, your clients and your suppliers, thereby rapidly undermining your business.</p> <p>The AVEC Programme developed by BIL enables you to engage in this process with a clear mind thanks to comprehensive support provided by consultants specialising in business sales and transfers:</p> <ul class="list-check"> <li>Evaluating the future impact on your personal situation.</li> <li>Financial assessment of the business.</li> <li>Identifying and contacting potential purchasers.</li> <li>Negotiating the transaction through to completion.</li> </ul> <p><strong>With BIL, you can sell or transfer your business in complete security!</strong></p> <p>Phone: <strong>+352 4590-1</strong><br>Mail: <a href="mailto:contact@bil.com"><i class="fa fa-envelope"></i> <strong>contact@bil.com</strong></a></p> </div> </div> </div> </div> <!-- section : contenu --> <div data-section="AVEC Programme" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-independants-transmettre-programmeavec.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">AVEC Programme</h2> <p><strong>Enjoy active support at each stage of the project to sell or transfer your business.</strong></p> <p>The success of your project relies on in-depth expertise and a personalised approach. BIL has combined these in its AVEC programme.</p> <h3 class="title-3">The main features of the AVEC programme include:</h3> <ul class="list-check"> <li><strong>Determining the impact on your finances</strong>: At the outset of your project, the AVEC consultants assess the impact on your income, your wealth and taxation and work with you to establish how to optimise the terms of the sale or transfer.</li> <li><strong>Valuing the business:</strong> Based on their expertise, the AVEC programme consultants carry out a valuation of your business, mainly on the basis of its key figures and economic environment.</li> <li><strong>Looking for partners</strong>: Thanks to its extensive network in Luxembourg, BIL has a database containing active buyers and willing sellers. BIL puts forward potential buyers in complete confidentiality.</li> <li><strong>Facilitating the transaction</strong>: As a leading intermediary, BIL provides a meeting room at the bank to enable initial contact with future buyers on neutral ground.</li> <li><strong>Negotiating and completing the transaction</strong>: Rely on an AVEC programme consultant to arrange and chair negotiations through to the conclusion of the transaction.</li> </ul> <p><strong>To take advantage of the AVEC programme and optimise your business sale or transfer project, please get in touch with your BIL Relationship Manager.</strong></p> </div> </div> </div>