Holding Company Seeking Loan in Luxembourg

Buy-and-build programme in accounting, fiduciary, payroll, tax and corporate services: the holding acquires established, profitable local firms (typically CHF 1-15 million value each) whose owners are preparing succession.

Each acquired firm keeps its clients, team and local brand, and is connected to the group's shared technology and back-office platform (ERP-based accounting, payroll and automation) to lift margins and free partners' time for advisory work.

One global project, built brick by brick: this bolt-on programme feeds the European accounting & advisory platform, and the same model is replicated country by country.

Target countries were selected strategically, by affinity: each one already connects to an existing group company, a shared language or a planned development.
- Switzerland: reference model and home market.
- Luxembourg: EU holding hub and financial centre.
- France, Belgium, Monaco, Spain: French/Spanish-speaking markets and footprint of the professional-services programme.
- Portugal: Lusophone gateway to Brazil.
- United Arab Emirates (Dubai): existing healthcare entity, gateway to the GCC and international patients.
- Phase 3: Canada (Quebec), Brazil, United States. Client portfolios, teams and local brands of the acquired firms; shared ERP-based technology and payroll platform. Acquired firms keep their local offices; group functions (IT, ERP, payroll engine, quality control) are shared. Each acquisition is carried by the holding or a dedicated SPV, with debt ring-fenced at that level. Holding controlled by the permanent-capital platform; shares unpledged. Financing flexible: senior or unitranche acquisition loan, vendor loans and earn-outs, or preferred equity. Prudential limits: net debt below 3x EBITDA, DSCR above 1.5x.