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National Holidays in Luxembourg in 2023 🇱🇺

March 20th: March Equinox. There are two equinoxes every year, in March and September, when the Sun shines directly on the equator, and the length of night and day are nearly equal. May 9th: Europe Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. May 18th : Ascension Day is the 40th day of Easter. It occurs 39 days after Easter Sunday. It is a Christian holiday that commemorates Jesus Christ's ascension into heaven, according to Christian belief.Ascension Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. May 30th: Whit Monday is a public holiday. It is a day off for the general population, and schools and most businesses are closed. June21st: The June solstice is the summer solstice in the Northern Hemisphere and the winter solstice in the Southern Hemisphere. June23rd: National Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. August 15th: Assumption of Mary is a public holiday. The Christian feast day of the Assumption of Mary celebrates the belief that God assumed the Virgin Mary into Heaven following her death. Sep 22nd: September Equinox, Seasons are opposite on either side of the Equator, so the equinox in September is also known as the autumnal equinox  in the Northern Hemisphere, and is considered the first day of fall. Nov 1st: All Saints' Day is a public holiday. All Saints' Day is a celebration of all Christian saints, particularly those who have no special feast days of their own, in many Roman Catholic, Anglican and Protestant churches. In many western churches it is annually held November 1 and in many eastern churches it is celebrated on the first Sunday after Pentecost. It is also known as All Hallows Tide, All-Hallomas, or All Hallows' Day. December 26th: St Stephen's Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. officeholidays.com/countries/luxembourg

Business

Guide to register a SARL-S company in Luxembourg (company formation)

Registering a company in Luxembourg used to be cumbersome. This has been relatively simplified and the cost of starting a company has been brought down signficantly. Costs of running a company has not however come down signficantly. In this article, we are offering a quick guide on how to start a SARL-S company. To get started, setup an appointment and get started with House of Entrepreneurship: houseofentrepreneurship.lu House of Entrepreneurship directs you to the business application template that you can modify to apply for business license, they explain the procedure and the list of required documents. You don't need a notary or a business advisor, you can complete the entire process yourself. Here is a quick summary on what all happens and what you need to do (if we are missing any steps, text us and we will add). What you need? 1. EUR 1 is the minimum capital required for SARL-S company. 2. A registration address and your National ID number. 3. Passport copy and appropriate residence status in Luxembourg. 4. You need to be a natural person (meaning individual). 5. Residence registration documents. First the complete steps overview to register a company: Read first: guichet.public.lu/en/entreprises/creation-developpement/forme-juridique/societe-capitaux/sarl-s.html Step 1. Apply for a business license from the Ministry (typically takes 4-8 weeks) Step 2a. Once the business license approval comes through, then send the approval document to register with RCS (company registry) - this can be done with the business license approval. lbr.lu/mjrcs/jsp/webapp/static/mjrcs/en/mjrcs/legal.html?pageTitle=footer.legalaspect Step 2b. Open a Bank account based on the registration (can be done in parallel with Step 2a) - this can be done with the business license approval. Step 3. Register for VAT: You need to register for VAT and mention the VAT exemption scheme (if you expect the annual turnover will not exceed EUR 35k). If the annual turnover exceeds EUR 35k, you need to inform the VAT authorities accordingly and get a VAT number. From this point on, you will always charge VAT even if your annual turnover later comes below EUR 35k. Register for VAT. Read this: guichet.public.lu/en/entreprises/fiscalite/tva/inscriptions-declarations/inscription-tva.html  Step 4. You need to inform the social contributions (CCSS) whether you're going to run a payroll. If you're not running a payroll, you can make a voluntary contribution that can be done up to half your required minimum salary. That will turn to be less then EUR 200 per month per person. Check with an accountant for this on how to get this done. Step 5. If you're going to run a payroll. If so, you need to have a pay roll provider who can register you. You need to pay the mentioned monthly contribution to CCSS that depends on the salary amount.  Step 6. Find an accountant to file annual accounts. Step 7. VAT filing is different from annual acocunts filing. This can be done quarterly or annually. If the VAT office sends you a notice to do it quarterly, you're obliged to do quarterly VAT. Filings you need to do: 1. VAT filing - if you've exceeded the threshold at least once, you need to start filing. It can be done annually unless specifically asked to be filed quarterly. Then you file 4 VATs or 1 VATs. 2. Annual accounts and company accounts. Costs of running a SARL-S company in Luxembourg: Costs are high compared to other EU jurisdications. 1. You're required to pay advanced tax. You can get this lowered or not pay if you're not expecting high income. You've to do this step, else you will be asked to pay. And you may incur fine. So, call them immediately and inform them of your expected income. 2. CCSS payment if you're running a pay roll. This you need to transfer every month for each employee. Ask your payroll company on how much to transfer. 3. Chamber of Comerce fee. This is mandatory payment and cannot be skipped. In other jurisdictions this is not usual. 4. If you need to be covered by CNS, even if u are not taking any income from the company. You need to pay the minimum amount required every month and covered under CNS. 5. Payroll costs. If you're running a payroll, then there is a cost to pay to the payroll company for every pay roll. Can be EUR 15- EUR 25 per payroll depending on the company per payroll certificate. 6. Accountant fee: Annual accounts filing fee. 7. VAT filing fee. For every VAT (quarterly or annually) there is an annual VAT filing fee. 8. Bank account fee. Your bank might have costs associted fee for having a bank account or having a minimum threshold. If we are missing any steps, send us a message here on the platform or on FB page facebook.com/luxembourgexpats.

Life & Style

A quick guide on renting housing in Luxembourg

Most newcomers and even for some of us living in Luxembourg for a while, the art of renting in Luxembourg is cumbersome and unclear. We thought it would be great to have a quick summary on how renting process works in Luxembourg. Basics to get started: Rental properties in Luxembourg are on high-demand. Luxembourg's resident population, primarily driven by expats, is increasing. The availability of rental properties is not increasing at the same level as the incoming demand. Hence, both the property prices are high and the rental prices are high. The rental pricing is on the same or similar range of renting in Paris or London. What does it mean to you? It means, you need to start early looking for a property to rent. It takes few months to finalise the rental process unless you get lucky. Where do people rent? Most people working in Luxembourg rent within the Luxembourg country. However, if you're an EU citizen, you also have the option of renting and living in border areas such as Trier (Germany), Arlon (Belgium), and Metz/Thionville (France). A number of people commute across the borders to work in Luxembourg and live in other countries. If you're a non-EU citizen, your Luxembourg visa does not permit you to live in other countries - you're required to live in Luxembourg country. What are the prices like? Prices depend obviously on the size of the property, location and type of apartment and facilities. So, make your own decision on what you're renting. In general, a ball-park figure in Luxembourg city: Single room - EUR 800 - EUR 1100 Studio - EUR 1000-EUR 1300 One bed room apartment - EUR 1500-EUR 1800 Two bed room apartment - EUR 1750 - EUR 2100 Three bed room apartment / Houses - above EUR 2500 What will you be paying for? The general rents and expenses on renting are the following: - Rental deposit (2-3 months is standard) - Basic Rent - Maintanence costs (this usually includes general cleaning and maintainence of common areas, and includes/excludes garbage maintenance) - Electricity costs (usually not included in the rent) - Water costs (on-top or included within the rental price. It depends) - Internet + telephone costs (not included in the rent) - You're required to take insurance for the apartment (few hundred EUR a year) - Agency fee. If the property is with an agency, then you also pay the agency fee (agency fee is bourne by the tenant. It is usually 1-full month of basic rent, not including maintenance and other costs, + VAT). In cases where the current tenant suggests someone to the rental agency, the agency fee is half-a-month rent + VAT. About agencies: Majority number of rental properties in Luxembourg is managed by agencies. Whilst there are house owners who are renting the properties without agencies, this tends to be rather a smaller offering. Most properties are managed by agencies and the agency fee is bourne by the tentant. As mentioned above, agency fee is typically one month basic rent + VAT. If you've been referred by the current tentant to the agent, then it is usually half-a-month rent + VAT. It is normal and common to take from agency managed rental properties in Luxembourg. Do follow the process of renting though. What's the renting process? 1. Find a property from online sites, your company housing forums, and friends' references. We recommend to start with our community and online platform facebook.com/groups/luxembourghousing (post what you're looking for and scan the current offers) luxexpats.lu/real-estate (scan the current offers) You can also look up in athome.lu and immotop.lu Luxembourg Expats Premium members (luxembourgexpats.lu/premium-subscription): If you're looking for help to put us with some agents who can look for a property for you, write to us here: facebook.com/luxembourgexpats or email on team@luxexpats.lu (we will place you in touch with agents we refer). 2. Once you find the property, call-up and discuss, and organize a quick visit. Most good properties are rented within days, so you need to make a quick decision. It is not common to be able to rent a property if you've still not arrived in town. Some people who are coming from far away countries such as India, it can be helpful to have a trusted agent. Do check with your employer if they are providing relocation assistance and the agent can find a place for you. It is common to come and take-up a temporary Airbnb or hotel accomodation and look for a permanent rental property. 3. Once you decide on the rental property, following is the general process of renting: - you confirm that you're interested in taking the property - they will require your employment contract, passport copy and visa/work permit, and also three months of salary slips. - Most house-owners/agencies prefer CDI (unlimited) contract. CDD (Limited) from EU institutions are usually accepted. CDD from non-EU institutions might face challenges and hence might maker your search harder. - Once the agency/house owner confirms accepting you as a tenant, they will send you a rental contract. The rental contract will be in French (only French is legally valid). Agencies might provide you with an unofficial English translation but you can do this yourself with translate.google.com or deepl.com - The contract usually cannot be quit in the middle. Yearly or three year contracts are possible. If you need to quit the contract in between, it is generally not possible by both parties, unless mutually agreed. It is however common to have what is called as "Diplomat cluase". With a Diplomat Clause, in case, you're leaving the country, then you can provide a three months notice. It is however common that the house owner accepts a replacement if you need to change in-between. Note however that the house owner might not accept any replacement but someone who's equally as good as you and having a CDI. - Once you sign-the contract, the first month rent and 3 months of deposit (or an agreed deposit) is transferred to the given bank account. Rental deposits via bank transfer or bank deposit: Rental Deposit can be done via bank transfer to the owner's account or can be done via bank deposit (most banks offer housing deposits including BIL, BCEE, ING). The deposits are held on your name but will be released only after the agreement of the land-lord. There is not much of a difference whether you transfer or hold it in deposit except that the house-owner cannot use your deposit. Otherwise, when the house owner decides a certain amount to be deducted, holding a bank deposit is as good as a bank transfer. Don't dos in renting - Do not pay money without signing contract. If anyone asks to transfer money to reserve the property, this is not the norm and is likely to be a scam. - Behave as a good tenant. Keep the flat proper, do not make unncesssary troubles to neighbours including party noise. Word of mouth travels around the small country and might find it difficult renting properties in the future. - Remember you cannot quit in-between. Most landlords accept replacement if you find a satisfactory replacement that is acceptable to the landlord. So take your commitment seriously and do not act erratically. Renting a property in Luxembourg might take 2-3months and hence always good to start early. Living far away from your work place requires commuting and also lack of social life. So it's a compromise you've to make based on whether you're single or have a family and whether you can drive or will depend on public transport. This is a quick-guide and not an extensive guide. Message us if we are missing important points, we will add-up.

Business

B2B: Art In Office - how to arrange it - insight from art-advisor

B2B: Dear Community, corporates, business institutions, entrepreneurs! Here I would like to share with you the insights of art-advisor's job, my experience and observations which I do regulary on LinkedIn. gHope it will be useful and interesting. According to FORBES, the work efficiency is 17% higher in the offices where the artworks & plants are present. #ArtInOffice is a power tool to affect your staff, clients as well as the cheapest way to add the refined touch to your office. Why & how it’s possible?! I’ll explain in a simple way and give a #lifehacks in the next posts on LinkedIn😉 But before I would like to encourage you to commission the professionals, because… -      The amateur approach can spoil even the best ides. If you want to try and think you are ready to unpredictable consequences, delegate your T-ager kid to fill out your tax declaration at first. “I can do it by myself” – is not for that kind of services, except you have the multilateral expertise & experience in curatorial studies, psychology, tracing the trends in contemporary art, a feeling of suitability additionally to impeccable taste. -      If you love adrenalin and ready to take the risk, remember that all the responsibility will be yours, because it supposed to be clearly visible. So, estimate its diapason from “great success” to “complete fall”. It doesn’t matter, are you an owner, CEO or employee, this quote will apply: “The doctor can bury the results of his experiments but not the architect”. -      Finally, good news: it’s much cheaper than to host the temporary exhibition in your office than to re-paint the walls, but the effect is incomparably bigger as well as to pay an external provider for 1-time service than to employ a dedicated person. Especially when you really need it for special occasion, like new office opening or important meetings with clients/investors/partners. Afterwards based on measurable results and feed-backs, you can re-consider it for a long-term perspective. Wish you a Happy Friday and wonderful week-end! 😊 #artmanagement #business #contemporaryart #experience #success #entrepreneurs #ceo #b2b #wellbeing #businessneeds #outsourcing #outsourcingservices #work #reason

Resources

National Holidays in Luxembourg in 2022

March 20th: March Equinox. There are two equinoxes every year, in March and September, when the Sun shines directly on the equator, and the length of night and day are nearly equal. May 9th: Europe Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. May 26th : Ascension Day is the 40th day of Easter. It occurs 39 days after Easter Sunday. It is a Christian holiday that commemorates Jesus Christ's ascension into heaven, according to Christian belief.Ascension Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. June 6th: Whit Monday is a public holiday. It is a day off for the general population, and schools and most businesses are closed. June21st: The June solstice is the summer solstice in the Northern Hemisphere and the winter solstice in the Southern Hemisphere. June23rd: National Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. August 15th: Assumption of Mary is a public holiday. The Christian feast day of the Assumption of Mary celebrates the belief that God assumed the Virgin Mary into Heaven following her death. Sep 22nd: September Equinox, Seasons are opposite on either side of the Equator, so the equinox in September is also known as the autumnal equinox  in the Northern Hemisphere, and is considered the first day of fall. Nov 1st: All Saints' Day is a public holiday. All Saints' Day is a celebration of all Christian saints, particularly those who have no special feast days of their own, in many Roman Catholic, Anglican and Protestant churches. In many western churches it is annually held November 1 and in many eastern churches it is celebrated on the first Sunday after Pentecost. It is also known as All Hallows Tide, All-Hallomas, or All Hallows' Day. December 26th: St Stephen's Day is a public holiday. It is a day off for the general population, and schools and most businesses are closed. officeholidays.com/countries/luxembourg/2022 

Life & Style

An interview with Andrea and Luca: Founders' Bivius, Hotel and Restaurant

Luxembourg Expats Network is the go-to network for expats and locals in Luxembourg for socializing, and finding everything for your life in Luxembourg. We particularly partner with local businesses in bringing great deals to the community and highlight the entrepreneurial stories of our community in our Featured Story Series (FSS). Today, we are speaking to Andrea and Luca, two Italian brothers who have founded Bivius (www.bivius.lu) Hotel and Restaurant in Luxembourg. Without further ado, let’s dig right in: As its customary, let’s start with who you are and your Luxembourg story: We are two italian brothers, Andrea and Luca We grew up in Luxembourg. Andrea always lived here, whilst Luca has been working across different continents for over 10 years since he was 20. The opportunity for us, 2 brothers, to work together reunited them again in Luxembourg. What's your entrepreneurial journey? How did you get started with Bivius? We started in 2016 by taking over the management of the former “Dany Hotel”. Over the years we have been developing our services with a major focus on quality, loyal to the values we were acquainted to throughout our various experiences in luxury hotels. Yet we kept the concept, peace and ambience rather casual and more accessible. What services does Bivius offer? Who are your target? Bivius is mainly divided in 2 parts: Hotel and Restaurant. Recently we developed our wine-shop, as we offer wine that we import directly. The online version of the shop is about to get launched soon. What are you most proud of in developing Bivius? Whilst the building is not owned and thus we are limited in certain areas, we have given the establishment an international posture, and since our beginnings we have embraced a process of continuous improvement throughout all areas of the company. Shifting gears, what are your hobbies and interests? Hobbies may vary, interests are multiple, continuously developing our knowledge is the driver. Well put. What's your favourite spot in Luxembourg? The heart of the City Center and Mullerthal. What's your favorite quote? It is not because things are difficult that we do not dare, it is because we do not dare that things are difficult. – Seneca Brilliant line, applicable for all entrepreneurs. Anything else interesting we should've asked? Curious? Visit bivius.lu …  oh yes, we do also host some small corporate and private events… What would you say would be the recommendations of people who want to start their own business today? Luxembourg has its very own specificities, it’s cosmopolitan but not an international city… the House of Entrepreneurship can also be of great help! It’s great to connect with you Andrea and Luca. As rightly said, starting on your own can be daunting but when done, it's one of the most satisfying endeavours of our life. It’s always inspiring to learn such successful stories with Bivius. Thank you for sharing your story with us Andrea and Luca. Cheers to more success! www.Bivius.lu luxembourgexpats.lu/local-business/eatouts-and-cafe/1100001014

Life & Style

A talk with Davide Cavanna, a certified translator and conference interpreter in Luxembourg

Wishing you a very Happy New Year 2022 from the Luxembourg Expats team. In our Featured Story Series (FSS), we highlight the personal and professional lives of expats in Luxembourg. We have a particular fondness for entrepreneurs, and today we would like to introduce you to one, Davide Cavanna, a certified translator and interpreter. It's no secret that Luxembourg is a highly multilingual society. A typical Luxembourg resident speaks at least 3 languages including English. Given that many EU institutions are here, the Grand Duchy has a large number of translators working for the EU and other organisations, but there are also translators and interpreters like Davide who are freelancers based in the country. Let’s get to it and learn more about his journey. Hi Davide, welcome to FSS LuxExpats. You are our New Year’s first interview. Let’s get started. How would you introduce yourself? My name is Davide Cavanna, I hail from Italy. I am a self-employed freelance certified translator and interpreter not only in Luxembourg, but also over the border in Germany, France and Belgium. We love to learn about everyone’s Luxembourg story, what’s yours? What brought you to Luxembourg, and how has life in Luxembourg been? I came to Luxembourg in 2013 to work as an in-house translator for Amazon. Later I switched to a German fund management company, before going solo in 2016. I lived in various nooks of the capital city and then in 2021 I settled in Bonnevoie, the same area where I lived when I first arrived in the country. What's your entrepreneurial journey? How did you get started with your career as translator and interpreter? I started translating in 2008 and I never really stopped. First as an employee and since 2016 as a freelancer. What services do you offer? Who is your target? The main services I offer are conference and business interpreting, certified (sworn) translations, financial and legal translations as well as proofreading. I do one-off as well as retainer work. My clients are a complete hotchpotch with companies of all kinds, from financial and legal professionals to other sectors, as well as private individuals who need their papers or qualifications translated for the authorities. I have five working languages: my native Italian, French, German, English and Spanish. Currently I am working to improve my Portuguese and Catalan. Mastering languages is great fun! What does Luxembourg Expats Network mean to you? It's a great opportunity to get in touch with other expats, explore common interests and potentially develop business collaborations. What are your hobbies and interests? I have a weak spot for (beach) volley, the court in Cessange Park is a great place to practice in the warmer months. I enjoy reading in any of my working languages, some swimming and I'm a budding film buff, that's why I enjoy the Cinémathèque so much! What's your favourite spot in Luxembourg? I would say the lake of Esch-sur-Sure and its many beaches, a full immersion in nature. What's your favourite quote? One of my favourite quotes is from a Ray Bradbury book. It may sound pretentious, but I like its empowering idea: "Evil has only the power that we give it. I give nothing. I take back".  What do you think? LuxExpats: It's absolutely an amazing quote and it's true. If we do not give evil the power, it has no control over us. True in every situation. Anything else interesting we should've asked? At the moment I am studying law to improve the quality of my translation and proofreading. Keeping those 'little grey cells' busy is like the proverbial apple a day. As an example: some of my teachers at interpreting school are getting on a bit, which goes to show that when you love what you do and keep on learning, age is really but a number. Curiosity killed the cat, the saying goes, but I would argue that that very same curiosity keeps it alive and kicking. LuxExpats: life-long learning is indeed the only way to go about it. What would you say would be your recommendation to people who want to start their business today? At first it might seem a daunting enterprise not to be an employee on a regular income, but if you like what you do and keep on learning, you'll do great things for sure. Take on tiny projects when you have time, get a reputation and those projects may pay back manyfold with larger and much more profitables ones. LuxExpats: This has been an amazing talk with you, Davide, thank you for taking the time. I hope everyone enjoyed and some of you got even inspired to take the next entrepreneurial step in your life. If you like to reach Davide, here is where you can do just that: luxembourgexpats.lu/local-business/others/1100001064

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