Luxembourg
Custom ERP and billing, AI agents, web applications and SaaS for financial services and professional services businesses in Luxembourg City. Built by Flip Retail in Jaipur, India, and delivered remotely, with working software every two weeks.
01 — Local economy
Investment funds domiciled in Luxembourg hold trillions of euros, and the custodians, fund administrators, banks and Big Four audit firms that service them fill much of the Kirchberg plateau. ArcelorMittal keeps its head office in the city, Amazon and PayPal run European entities here, and EU bodies such as the Court of Justice and the European Investment Bank add a large institutional workforce.
Also known as Luxembourg, Luxemburg and Lëtzebuerg.
French, English, German and Luxembourgish
02 — Industries
What we would build first for the industries Luxembourg City is known for.
03 — Compliance
What an ERP, billing system or AI agent has to respect here.
| Indirect tax | VAT (TVA), standard rate 17%Standard rate 17%, the lowest in the EU, with reduced rates of 14%, 8% and 3%; VAT is administered by the AED and returns are filed electronically via eCDF. Many customers are cross-border businesses, so intra-EU reverse charge handling is routine. |
|---|---|
| E-invoicing | Voluntary · Peppol BIS (EN 16931) for B2GThere is no B2B e-invoicing mandate; e-invoicing via Peppol has been mandatory for all suppliers to Luxembourg public bodies since the phased rollout completed in March 2023. Intra-EU B2B e-invoicing and digital reporting will follow ViDA from 1 Jul 2030. |
| Data protection | GDPR plus the Law of 1 August 2018 on the organisation of the CNPD and the general data protection frameworkGDPR applies directly, supplemented by the Law of 1 August 2018 on the organisation of the CNPD and the general data protection framework and supervised by the CNPD; B2B buyers expect an Art. 28 data processing agreement, a sub-processor list and, in practice, EU/EEA hosting or SCC-covered transfers. |
| AI rules | The EU AI Act applies directly: prohibited AI practices have been banned since 2 Feb 2025, general-purpose AI model rules apply since 2 Aug 2025 and transparency duties (e.g. chatbot disclosure, AI-content labelling) since 2 Aug 2026, while the Digital Omnibus on AI (in force 27 Jul 2026) moved stand-alone high-risk (Annex III) obligations to 2 Dec 2027 and product-embedded high-risk (Annex I) obligations to 2 Aug 2028; the CNPD has been proposed as Luxembourg's main AI supervisory authority in draft legislation. |
| Systems we migrate from or connect to | SAP Business One, Sage BOB 50, Exact Online, WinBooks, Microsoft Dynamics 365 Business Central, OdooMasters, ledgers, stock and open balances move across and are reconciled before cutover. |
| Payment rails for web apps and SaaS | SEPA Credit Transfer and Direct Debit, Stripe, Adyen, Worldline, PayPal |
| Also worth knowing | Businesses using computerised accounting must be able to produce the FAIA audit file (Luxembourg's SAF-T) on request, and annual accounts and VAT returns go through eCDF. Multilingual (FR/DE/EN) invoices and multi-entity setups are common requirements. |
General information, not legal or tax advice. Last reviewed October 2026. Rules change, so we confirm current requirements during discovery; your tax adviser should confirm anything that affects filings.
Sources consulted:
04 — Working together
Jaipur is 4 h 30 min ahead of Luxembourg City on standard time, and 3 h 30 min ahead during daylight saving time there. A 09:00 start there is 13:30 in Jaipur. Standard 09:00–18:00 office days overlap by 4 h 30 min to 5 h 30 min, which is enough for live calls, demos and same-day answers.
Local time, standard time.
Pranjal is the best developer — started and ended development before schedule.
50+ projects for 30+ clients in 11 countries over six-plus years.
05 — FAQ
Yes, remotely. Flip Retail is a software studio in Jaipur, India, with no office in Luxembourg City; discovery happens on video calls and you get working software every two weeks.
Jaipur is 4 h 30 min ahead of Luxembourg City on standard time, and 3 h 30 min ahead during daylight saving time there. A 09:00 start there is 13:30 in Jaipur. Standard 09:00–18:00 office days overlap by 4 h 30 min to 5 h 30 min, which is enough for live calls, demos and same-day answers.
Yes. Invoicing is built for Luxembourg's VAT (standard rate 17%). On e-invoicing: There is no B2B e-invoicing mandate; e-invoicing via Peppol has been mandatory for all suppliers to Luxembourg public bodies since the phased rollout completed in March 2023. Intra-EU B2B e-invoicing and digital reporting will follow ViDA from 1 Jul 2030. If you or your customers want it, a custom ERP can connect to Peppol BIS through an accredited provider.
You choose: your own cloud account in a region that suits you, or your own servers. Access inside the system is role-based, and during development we work on test or masked data wherever possible. GDPR applies directly, supplemented by the Law of 1 August 2018 on the organisation of the CNPD and the general data protection framework and supervised by the CNPD; B2B buyers expect an Art. 28 data processing agreement, a sub-processor list and, in practice, EU/EEA hosting or SCC-covered transfers.
Yes. Masters, ledgers, stock and opening balances move across and are reconciled with your accountant before cutover, ideally at a year-end or quarter-end.
Yes. Current language models handle French, English and German well, including mixed-language messages. We still test an agent in each language your customers use before it goes live, and route anything it is unsure about to your team.
Usually one module that fixes the most expensive problem first. For financial services & fintech that is often onboarding & KYC workflows and loan and policy lifecycle. It goes live early, and the rest of the system follows in two-week increments while your team is already using it.
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