Asset protection
Asset protection in Luxembourg
The firm protects your estate in Luxembourg through a suitable legal structure: holding companies, division of ownership, separation of professional and private risks, and succession planning.
Legal content reviewed by Maître Cora Maglo, Avocate à la Cour, Liste I du Barreau de Luxembourg depuis 2009.
Protecting an estate means isolating assets from professional, personal and succession uncertainties: a coherent legal structure, put in place upstream and in good faith, durably secures what you have built.
Cerno Law Firm designs lawful and defensible asset protection arrangements, combining holding companies, division of ownership and planning, in the service of directors, investors and families.
The need
As a director or holder of an estate, you want to protect your assets from professional risks, personal uncertainties and a poorly prepared transfer.
An unstructured estate, where everything is exposed as a single block, is vulnerable to the first dispute or the first difficulty.
The risk
Seizure of personal assets for professional debts, forced joint ownership, disorderly transfer, late structuring deemed fraudulent.
Protection put in place too late, in the urgency of a dispute, may be unenforceable or reclassified.
How the firm acts
Wealth diagnostic, separation of risks through holding companies and dedicated structures, division of ownership, succession planning and the setting up of lawful and enforceable protections.
Cerno is a law firm admitted to the Luxembourg Bar: the digital tools serve only to simplify the gathering of information, the qualification of the matter and the tracking of requests; they never replace the lawyer's advice, who designs and validates every protection arrangement.
Practice areas
When to call on the firm
- Separate professional assets from private assets.
- Structure ownership through holding companies and dedicated companies.
- Put in place a division of ownership.
- Anticipate the transfer to protect family assets.
Method
Our engagement process
- 1
Information intake
You describe your need via a structured form or an initial call. Our digital tools serve only to organise this information and save time.
- 2
Lawyer qualification
Maître Maglo reviews your situation, identifies the legal issues and confirms the feasibility and exact scope of the engagement.
- 3
Transparent quote
You receive a clear fee proposal, a fixed fee or a range, before any engagement. Nothing is billed without your approval.
- 4
Legal work
The firm drafts, negotiates or litigates as required. Every deliverable is designed and approved by a lawyer admitted to the Luxembourg Bar.
- 5
Tracking and delivery
You follow your matter transparently and receive your finalised documents with the explanations you need.
Documents required
- • Mapping of assets and risks
- • Existing ownership structures
- • Professional situation and current commitments
- • Succession objectives
Deliverables
- • Diagnostic of wealth vulnerability
- • Structured protection scheme
- • Implementation and enforceability plan
Indicative timing
The diagnostic is delivered within a few days; the setting up of the protection structures is planned according to the required deeds, ideally outside of any dispute.
Fees stated upfront
Consultation from EUR 175 excl. VAT; fixed-fee wealth structuring engagement from EUR 1,500 depending on the complexity of the estate and the scope of protection.
FAQ
Frequently asked questions
Is asset protection legal?
Yes, provided it is put in place in good faith, upstream and transparently. The firm rules out any fraudulent arrangement or one designed to organise insolvency.
When should you structure the protection of your estate?
As early as possible, outside of any dispute: protection put in place in the urgency of a difficulty may be unenforceable or reclassified.
How do you separate private and professional assets?
Through dedicated structures (holding companies, companies) and, where appropriate, a division of ownership. The firm designs the architecture suited to your situation.
Does Cerno offer an automated service?
No. Cerno is a law firm admitted to the Luxembourg Bar; the digital tools help with gathering information and tracking, but the lawyer designs and validates every protection arrangement.
Member of
Affiliations & réseaux professionnels
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Choosing Cerno means choosing over 17 years of experience
- 2013
- independent firm
- 2009
- at the Bar since 2009
- 7
- working languages
- 100+
- companies & SOPARFI structured
- 200+
- visas & residence permits obtained
- 170
- client nationalities served
- 300+
- due diligence reviews conducted
Around twenty M&A transactions supported · one of the best visa approval rates in Luxembourg.
Since 2009, we devote our expertise to your satisfaction: more than 85% of our clients renew their trust in us.
Our work
Representative matters, anonymised
Typical examples of engagements handled by the firm, presented in an anonymised and illustrative manner. Each matter is handled and validated by a lawyer registered with the Luxembourg Bar.
A holding company and a residence permit, in a single process
Incorporation of a SOPARFI for a non-resident investor, combined with obtaining their residence permit. A single point of contact across both fronts.
Permit obtained in 6 weeksA similar matter? Companies & governanceFounders protected before the funding round
Structuring a shareholders’ agreement and governance for a young company with several founders, ahead of a funding round.
Shareholders’ agreement signed before the roundA similar matter? Debt recoveryA debt recovered across borders
Cross-border recovery of unpaid debts for an SME, through an order for payment and coordination with a foreign colleague.
Receivable recovered in full (100%)A similar matter? Employment lawAn executive defended before the Labour Tribunal
Supporting an executive in a contested dismissal, from strategy to representation at the hearing.
Case argued at the hearingA similar matter? ContractsA secured international distribution
Negotiating and securing an international framework distribution agreement, from liabilities through to the competent jurisdiction.
Competent jurisdiction securedA similar matter?Typical, anonymised examples, for illustration only. They do not prejudge the outcome of a matter, which depends on each situation.
Entrust my matter to the firmExpertise & authority
Ongoing review and analysis of Luxembourg and European case law
Avocate à la Cour, List I of the Luxembourg Bar since 2009
Trained at the London School of Economics, formerly at Clifford Chance and Bonn Steichen & Partners
Member of international networks: EILN, AEA, Cross Border Advisory Solutions
Every matter handled and approved by a lawyer admitted to the Bar
Support in 7 languages, clients of 170 nationalities
Testimonials
What our clients say
Had a consultation with Me Cora Maglo about my Luxembourg Blue Card application. She explained everything clearly: the process, timeline and documents I need, and helped me with my wife’s family reunification too. Honest and practical advice. I felt confident after talking to her.Farshid Pourlatifi
J’ai beaucoup apprécié le service de Maître Maglo : son sérieux, sa sympathie, son professionnalisme et sa disponibilité. Toujours répondu rapidement et clairement, avec des conseils pragmatiques, sans pousser à des procédures longues et coûteuses lorsqu’elles ne sont pas justifiées.Nathan Wirtzfeld
Super assistance and great support! Highly recommend. All my questions were answered, Cora and her team kept me updated all the time. I will definitely reach out to them next time for my residency.Tatiana
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