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Small and medium sized entreprises

As a partner of SMEs, BIL supports you throughout the lifetime of your company, from its creation to its sale or transfer.

As a BIL client, you enjoy personalised advice and services from a Relationship Manager dedicated to your SME.

Your BIL Relationship Manager will assist you in a variety of ways, whether to provide support for setting up or transferring your company, managing routine banking activities, business and project finance, recommending investments or implementing staff loyalty schemes.

With the help of a multi-disciplinary team's expertise, your BIL Relationship Manager can offer you effective solutions tailored to your specific situation.

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

 

 

Starting your businesshttps://www.bil.com/en/corporations/small-and-medium-sized-enterprises/Pages/create.aspxStarting 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-tomlessel.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Tom LESSEL</h2> <p class="grid-person-description">Corporate Banking</p> <p>As an entrepreneur, you need to identify the right opportunities and make the right choices before launching your business and then throughout all the stages of its development.</p> <p><strong>Based on its knowledge of SMEs, BIL has developed its BIL Start Programme and developed professional packages matching your situation.</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="The BIL Start offering" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-creer-programmebilstart.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">A team of experts at your service</h2> <p><strong>BIL Start: your business startup partner</strong></p> <p>For a one-year period, you will benefit from a free BIL Start account to simplify day-to-day management.</p> <p>Included in BIL Start:</p> <ul class="list-check"> <li>They will analyse your business plan; </li> <li>They will listen to your needs and explain the different types of legal forms for businesses;</li> <li>They will assist you with all administrative procedures;</li> <li>They will guide you through the various types of government assistance that is available;</li> <li>They will tell you about the many support and advice initiatives available in Luxembourg;</li> <li>They will put you in touch with the country’s numerous entrepreneurial platforms and business incubators aimed at innovative companies.</li> </ul> <p>In addition, your BIL Start Relationship Manager will work with you to help choose the solutions best suited to your situation, both in terms of day-to-day management or financing your projects.</p> </div> </div> </div> <!-- section : contenu --> <div data-section="Package BIL Start" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-creer-packagebilstart.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Special banking package free of charge *</h2> <p><strong>For a one-year period, you will benefit from a free BIL Start account to simplify day-to-day management. Included in BIL Start:</strong></p> <ul class="list-check"> <li>All account statements</li> <li>1 debit card</li> <li>1 credit card (Visa Business)</li> <li>1 LuxTrust certificate (Token, Smartcard or Signing Stick)</li> <li>Unlimited electronic transfers (eurotransferts)</li> </ul> <p>* Eligibility criteria for BIL Start: your first business, operating company (no older than 6 months). After one year, you will automatically be switched to BIL Pro One (EUR 35 per quarter). Bank cards will only be provided once your application has been approved. Financing your projects: the terms and conditions depend on the guarantees provided and the purpose of the loan. The definitive applicable rate can only be determined following submission of an application. The granting of a loan is subject to the bank’s prior approval. The preferential terms of this offer may not be combined with other preferential terms or special conditions available in respect of any special offers. This document has been drawn up on the basis of the fee schedule applicable in October 2015. It is subject to change.</p> <p><strong>Contact our specialists by phone on <a href="tel:+35245901"><strong>+352 4590-1</strong></a> or email at <a href="mailto:contact@bil.com">contact@bil.com</a></strong></p> </div> </div> </div>
We make it easy to manage your businesshttps://www.bil.com/en/corporations/small-and-medium-sized-enterprises/Pages/manage.aspxWe make it easy to manage 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-tomlessel.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Tom LESSEL</h2> <p class="grid-person-description">Corporate Banking</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>Secure and effective payment solutions for professional purchases </strong> (bank cards, direct debits, standing orders, national and international transfers).</li> <li><strong>Systems for easy and secure collections </strong> (European direct debits, SEPA, electronic collections by bank card, cash deposits).</li> <li><strong>A complete range of bank guarantees.</strong></li> </ul> <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-pme-gerer-banqueligne.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Online banking solutions</h2> <p><strong>Online banking provides a number of benefits.</strong></p> <ul class="list-check"> <li><strong>Time savings and responsiveness</strong>: By means of a simple Internet connection, you can view all the relevant information about your business's accounts and quickly carry out your transactions.</li> <li><strong>Ease of use</strong>: You can manage all your banking transactions simply and securely. You can also track stock market prices and place orders online.</li> <li><strong>Fees</strong>: You also 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> </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-pme-gerer-gestiondepenses.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Managing your spending</h2> <p><strong>BIL offers a wide choice of secure payment solutions for professional purchases.</strong></p> <h3 class="title-3">Business bank cards</h3> <p>BIL offers SMEs two types of card designed for business use, the VISA BUSINESS and MASTERCARD SILVER credit cards, from its range of bank cards.</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.</li> <li>24/7 monitoring of transactions and balances on BILnet for each cardholder. Several cards can even be issued for different cardholders using the same account.</li> <li>Preferential assistance and insurance services for 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 SEPA Direct Debit brochure</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 payments, etc.</li> <li><strong>National transfers and transfers inside 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> enable you to make payments or transfers in euro or in a foreign currency into a foreign bank account.</li> </ul> <p><strong>BIL provides the BILnet or Multiline online banking platforms for easy execution and viewing of these transactions.</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-pme-gerer-gestionencaissements.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>SEPA European Direct Debits</strong>: SEPA-format European direct debits enable you to collect client payments in a standardised and effective manner (no difference between national and foreign clients, cash flow optimisation).</li> <li><strong>Electronic payments by bank card</strong>: (V PAY, Maestro, MasterCard or Visa): this system makes accounting easier with automatic crediting and more convenient payment.</li> </ul> <p>BIL puts 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 SMEs with a network of ATMs which enable them to securely deposit cash both day and night. For greater security, you can also delegate cash transportation to a specialist company with which BIL can put you in contact.</li> </ul> </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-pme-gerer-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>Performance bond it provides your client with a guarantee that the purchase order will be honoured as specified and in accordance with the contract.</li> <li>Guarantee of refund of deposits paid in advance by your clients or to your suppliers.</li> <li>Rent deposit in favour of the landlord of a property of which you are the tenant.</li> <li>Completion bond this provides the buyer of a property under construction with a guarantee that the work will be completed if the developer defaults.</li> <li>Guarantee of release of retention bond.</li> <li>Loan cover guarantee: this guarantees the repayment of a loan taken out with another bank.</li> <li>Etc.</li> </ul> </div> </div> </div>
Leasing, working capital or financing? We help your business to growhttps://www.bil.com/en/corporations/small-and-medium-sized-enterprises/Pages/financing.aspxLeasing, working capital or financing? We help your business to grow<!-- 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-tomlessel.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Tom LESSEL</h2> <p class="grid-person-description">Corporate Banking</p> <p>BIL offers you a variety of solutions to help you finance working capital, medium or long-term investments or property purchases.</p> <p>At each strategic 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 appropriate alternative to bank loans.</p> <p><strong>BIL works with its specialised leasing arm, BIL LEASE to meet your various financing needs.</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-pme-financer-fondsroulement.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Working Capital</h2> <p><strong>To optimise day-to-day cash management, BIL provides straightforward, flexible and adaptable solutions. </strong></p> <p>Your SME may need to finance its working capital in order to deal with cash shortfalls owing to the seasonal nature of your business or extended client payment times.</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. Interest is only due from the point at which you call on your overdraft facility.</li> <p><em>Do you need a loan to finance a project?</em></p> <li><strong>A bridging loan</strong> provides temporary financing for a project pending arrangement of a loan with a repayment plan.</li> </ul> <p><strong>Contact your BIL relationship manager to arrange a credit solution suited to 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-pme-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 recommended 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> <li>Installing security systems.</li> </ul> <p>A loan tailored to your situation:</p> <ul class="list-check"> <li>Term of loan ranging from 5 to 15 years, based on the amortisation period of your investment.</li> <li>Fixed or variable rate.</li> </ul> <p><strong>For investments that are eligible for Société Nationale de Crédit et d'Investissement</strong> (SNCI) loans, BIL handles the submission of your equipment financing application.</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-pme-financer-immobilier.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Property</h2> <p><strong>BIL helps you finance property purchases.</strong></p> <p><strong>The BIL mortgage</strong> is the ideal solution for your projects involving the purchase, construction or conversion of business premises (retail premises, offices, factories, warehouses, etc.). For a 7-15 year term, the repayment schedule is determined based on the company's 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 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-pme-financer-leasing.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Leasing</h2> <p><strong>BIL's leasing solution represents an attractive alternative to a traditional loan.</strong></p> <p>Leasing enables you to renew your professionally used movable capital equipment (IT systems, vehicles, telephone systems, etc.) thereby enhancing the presentation of your balance sheet without having to dip into shareholders' equity.</p> <p><strong>How leasing works: </strong></p> <p>You select your equipment and your supplier. BIL Lease purchases the equipment and leases it to you through a lease agreement for a predefined term based on a tax-deductible lease payment. Lease charges can be monthly, quarterly, half-yearly or annual. 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 Lease and arrange an agreement for new equipment.</li> </ul> <p>The benefits of leasing:</p> <ul class="list-check"> <li>Goods fully financed by BIL Lease.</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>Lightening the balance sheet: the equipment is not included in tangible assets, thereby reducing the company's apparent indebtedness.</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 is your main point of contact to analyse your needs and advise you.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Government aid" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-financer-aidesetatiques.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Government aid</h2> <p><strong>SNCI loans represent an appropriate source of financing in addition to BIL mortgages. </strong></p> <p>BIL provides you with assistance in analysing and submitting the loan application:</p> <ul class="list-check"> <li>The investment amount ranges from EUR 12,500 to EUR 2,500,000.</li> <li>SNCI financing covers 25%-60% of this amount (75% in the case of a first application).</li> <li>The term of the loan is from 5 to 10 years. This term is extended to 12 years if the property part of the investment exceeds 75%, or even 14 years in the case of a business start-up or similar operation.</li> </ul> <p><strong>Your Relationship Manager is your designated point of contact for analysing your application and submitting it to the SNCI. </strong></p> </div> </div> </div>
Corporate investments and savings: put your spare cash to good use!https://www.bil.com/en/corporations/small-and-medium-sized-enterprises/Pages/investing.aspxCorporate investments and savings: put your spare cash to good use!<!-- 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-tomlessel.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Tom LESSEL</h2> <p class="grid-person-description">Corporate Banking</p> <p>Thanks to BIL's wide range of savings and investment products, you can generate a return on your company's 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 investment 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 investments" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-placer-dispoimmediate.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Instant access investments</h2> <p><strong>Your priority is the accessibility of your savings.</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 BIL Cash +, cash can be accessed instantly while earning interest based on a reference rate.</li> <li><strong>Cash SICAVs</strong>: according to the amount of cash available and the investment horizon, BIL offers a wide range of cash SICAVs issued by established asset management companies.</li> </ul> <p><strong>To find out more about our range of products, please get in touch with your Relationship Manager.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Guaranteed return investments" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-placer-produitsspecialises.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Guaranteed return investments</h2> <p><strong>Your priority is a predetermined return.</strong></p> <p>Based on the amount and the investment horizon, BIL offers products that provide a guaranteed return regardless of changes in market rates.</p> <p><strong>Fixed-term deposit</strong>: A term deposit is a savings account in which the funds are frozen (in euro or in other currencies) for a specific term ranging from 7 days to 12 months. A term deposit confers entitlement, on maturity, to a guaranteed interest amount which increases based on the duration of the investment.</p> <p><strong>Certificates of deposit</strong>: depending on the investment horizon, different types of certificates of deposit can be purchased in euro or in other currencies:</p> <ul class="list-check"> <li>Short-term note: 1-12 months, starting from EUR 5,000.</li> <li>Income paying certificate of deposit: 1-10 years, to obtain a fixed, guaranteed rate of interest on the capital invested, starting from EUR 5,000 and EUR 12,500.</li> <li>Capital growth certificates of deposit: 1-10 years, to grow the capital investment over the entire term of the certificate of deposit (starting from EUR 500) and attract annual interest.</li> </ul> <p><strong>To find out more about our investment products, please get in touch with your BIL Relationship Manager right away.</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Specialised products" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-placer-rendementgaranti.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>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>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>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> <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> </ul> <p><strong>To find out more about 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 is-silver"> <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>
Group insurance and company cars to incentivise loyalty among employeeshttps://www.bil.com/en/corporations/small-and-medium-sized-enterprises/Pages/securing-loyalty.aspxGroup insurance and company cars to incentivise loyalty among employees<!-- 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-tomlessel.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Tom LESSEL</h2> <p class="grid-person-description">Corporate Banking</p> <p>For your employees, BIL's range of staff loyalty products represents a reward for their commitment and an attractive addition to their salary package.</p> <p>On the other hand, the company as an employer enjoys greater commitment from its teams as well as highly attractive conditions with regard to employer contributions and taxation.</p> <ul class="list-check"> <li><strong>BIL Company</strong> is a loyalty scheme that is free of charge for your company and your employees. It allows managers, employees and their spouses to enjoy preferential banking terms for a number of services (cards, loans, investments, etc.)</li> <li><strong>Group insurance policy</strong>: managers and employees benefit from additional insurance (pension, death, disability). Thanks to deductible premiums, you benefit from a tax-efficient solution.</li> <li><strong>Company vehicles</strong>: the leasing options offered by BIL and its partners provide your employees with a company vehicle without any major impact on the company's working capital.</li> </ul> <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 Company Programme" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-fideliser-bilcompany.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">BIL Company Programme</h2> <p><strong>Offer your employees and their spouses exclusive banking benefits with the BIL Company programme.</strong></p> <p>With a free subscription to BIL Company, you enable employees who open or hold a BIL account to benefit personally from preferential banking terms.</p> <h3 class="title-3">The BIL Company programme is particularly attractive to you as a company:</h3> <ul class="list-check"> <li>You secure your staff's loyalty through preferential banking terms.</li> <li>You bear no additional costs.</li> <li>You can adapt the offers connected with BIL Company depending on the size of your company.</li> </ul> <p><strong>Please get in touch with your BIL Relationship Manager to find out more about all the benefits offered by BIL Company and implement this scheme in your company free of charge</strong></p> </div> </div> </div> <!-- section : contenu --> <div data-section="Company vehicles" class="section-default is-silver"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-fideliser-vehiculesociete.png" alt=""></p> <div class="grid-icon-content"> <h2 class="title-2">Company vehicles</h2> <p><strong>Offer your employees a company vehicle.</strong></p> <p>Highly prized by employees, company vehicles can be financed through two BIL 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 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><strong>Please do not hesitate to contact your Relationship Manager.</strong></p> </div> </div> </div>
Selling and transferring a business: our experts are here to helphttps://www.bil.com/en/corporations/small-and-medium-sized-enterprises/Pages/transfer.aspxSelling and transferring a business: our experts are here to help<!-- 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-tomlessel.png" alt=""></div> <div class="grid-person-col-2"> <h2 class="grid-person-title">Tom LESSEL</h2> <p class="grid-person-description">Corporate Banking</p> <p>Lack of preparation could undermine your business through causing concern on the part of employees, clients, providers or business partners.</p> <p>The AVEC Programme developed by BIL enables you to approach 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>Valuation 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: <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="Programme AVEC" class="section-default"> <div class="page-wrapper"> <p class="grid-icon"><img src="/PublishingImages/site-entreprises/icon-pme-transmettre-avec.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 SME.</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> <p>The main features of the AVEC Programme include:</p> <ul class="list-check"> <li> <strong>Determining the impact on your finances</strong> <p>At the outset of your project, the AVEC consultants assess its impact on your income, your wealth and your taxes, and work with you to optimise the terms of the sale or transfer</p> </li> <li> <strong>Valuing the company</strong> <p>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.</p> </li> <li> <strong>Looking for partners</strong> <p>Thanks to its extensive network in Luxembourg, BIL has a database containing both active buyers and willing sellers. BIL puts forward potential buyers in complete confidentiality.</p> </li> <li> <strong>Facilitating the transaction</strong> <p>As a leading intermediary, BIL provides a meeting room at the bank to enable initial contact with future buyers on neutral ground.</p> </li> <li> <strong>Negotiating and completing the transaction</strong> <p>Rely on an AVEC Programme consultant to arrange and chair negotiations through to the conclusion of the transaction.</p> </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 right away.</strong></p> </div> </div> </div>