Nehos and Luxembourg: your AI & digital partner

#Luxembourg: Where Finance, Regulation, and Technology Converge

Luxembourg punches far above its weight in European finance. It is a major fund domicile, with a dense network of fund administrators, transfer agents, depositaries, and management companies, all supervised by the CSSF (Commission de Surveillance du Secteur Financier).

This concentration of financial activity, combined with the presence of major EU institutions — the European Court of Justice, the European Investment Bank (EIB), Eurostat, and the Publications Office — creates an environment where digital transformation is not optional. It is a regulatory and competitive imperative.

Nehos Groupe is based in Toulouse and has no office in Luxembourg. We work remotely, and on site in Luxembourg City when the project requires it, for organisations that need AI and digital engineering built for Luxembourg's specific requirements.

#The Luxembourg Financial Ecosystem: A Market Unlike Any Other

#UCITS Funds and Private Equity

Luxembourg's dominance in UCITS (Undertakings for the Collective Investment in Transferable Securities) funds is not accidental. The country pioneered the UCITS framework and remains the preferred jurisdiction for cross-border fund distribution across the EU. Fund administrators here process NAV calculations, investor onboarding, regulatory reporting (AIFMD Annex IV, CSSF reporting tables), and transfer agency operations at scale.

Private equity has grown rapidly in Luxembourg. The country's RAIF (Reserved Alternative Investment Fund) and SCSp (special limited partnership) structures attract global PE firms, creating demand for investor portals, due diligence platforms, and automated reporting systems.

Nehos builds AI agents specifically designed for these workflows: automated NAV anomaly detection, intelligent document processing for KYC/AML onboarding, and LLM-powered regulatory reporting assistants that accelerate CSSF filing preparation.

#Banking: Private Banks and International Groups

Luxembourg hosts many banks, from private banks to major international groups and specialised institutions focused on wealth management, corporate lending, and custody services.

These banks face a dual challenge: clients expect modern digital experiences (mobile banking, real-time portfolio views, secure messaging), while regulators demand comprehensive audit trails, ICT risk management, and operational resilience. We address both sides with Next.js platforms that deliver fast, accessible, bilingual FR/EN client portals alongside complete compliance documentation.

#FinTech Under CSSF Supervision

Luxembourg's fintech ecosystem operates within one of Europe's strictest regulatory frameworks. Companies seeking PSF (Professional of the Financial Sector) status or electronic money institution (EMI) licences must demonstrate robust ICT governance, business continuity planning, and outsourcing controls from day one.

We support Luxembourg fintechs at every stage: pre-licence architecture design, production systems that generate the audit logs and incident reports required by Circular 20/750 (ICT risk management), and ongoing platform evolution that keeps pace with regulatory change.

#EU Institutions: Digital Transformation at Scale

The European Court of Justice, the European Investment Bank, Eurostat, and the European Commission's Publications Office all operate significant digital estates from Luxembourg. These institutions require vendors who understand EU procurement frameworks, multilingual delivery (often across many EU languages), WCAG accessibility compliance, and the security standards expected of EU institutional suppliers.

We deliver performant, accessible Next.js platforms that aim to meet the technical expectations of EU institutional IT departments.

#Services Designed for Luxembourg

#AI Agents for Fund Management and Banking

Our AI agency builds intelligent automation systems tailored to Luxembourg's financial workflows. Concrete applications include:

• NAV monitoring agents that flag anomalies across fund share classes, with explainable AI outputs suited to CSSF audit requirements
• KYC/AML document processing that extracts, validates, and cross-references beneficial ownership data against Luxembourg's RBE (Registre des Bénéficiaires Effectifs) and international sanctions lists
• Regulatory reporting assistants that pre-populate CSSF filing templates, AIFMD Annex IV reports, and CRS/FATCA declarations from structured fund data
• Client servicing agents for private banks, handling bilingual FR/EN client queries about portfolio positions, transaction history, and tax documentation

Every agent comes with a compliance dossier: EU AI Act risk classification, DORA ICT risk register addendum, data processing impact assessment, and human oversight procedures documentation. An AI agent MVP starts from EUR 11,000 excl. VAT, a multi-agent platform from EUR 50,000.

#Next.js Platforms for Bilingual Financial Portals

Luxembourg's professional environment operates in French and English, with German relevant for cross-border clients from the Moselle region and the DACH market. Our Next.js development team builds:

• Investor portals with real-time NAV display, document centres, and subscription/redemption workflows
• Corporate websites for banks and fund administrators optimised for Google and AI search engines
• Client onboarding platforms with integrated eKYC, digital signature (LuxTrust-compatible), and document upload workflows

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We can host these platforms with a European provider, including one qualified under SecNumCloud, with no US cloud dependency for regulated data. A B2B showcase site starts from EUR 5,000 excl. VAT, a B2B site with a headless CMS from EUR 15,000, and a complex B2B platform from EUR 50,000.

#GEO/AEO: AI Search Visibility for Luxembourg Finance

When Luxembourg fund buyers, private banking prospects, or fintech partners search in ChatGPT, Perplexity, or Google AI Overviews, your brand needs to appear as a cited source. Our GEO/AEO practice aims to structure your digital presence for citation by AI search engines — not just indexed by Google.

We build topical authority in Luxembourg financial keywords, create structured data that AI models can parse and cite, and monitor your brand's presence across generative search platforms.

#Luxembourg Regulatory Landscape: What You Need to Know

#DORA (Digital Operational Resilience Act)

DORA has been in force since January 17, 2025. It applies to all financial entities in Luxembourg — banks, fund managers, insurance companies, payment institutions — and to their critical ICT third-party service providers. DORA mandates ICT risk management frameworks, incident reporting, digital operational resilience testing, and ICT third-party risk management.

We design DORA-aligned systems: incident classification and reporting pipelines built into production infrastructure, ICT asset registers maintained automatically, and penetration testing against DORA technical standards. A DORA programme starts from EUR 15,000 excl. VAT.

#CSSF Circular 20/750 (ICT Risk Management)

Circular 20/750 requires Luxembourg financial entities to implement comprehensive ICT risk management, including risk assessments, business continuity plans, and outsourcing governance. We provide the technical implementation and documentation for 20/750 requirements, including formal ICT third-party provider information packs for clients who must report their outsourcing arrangements to the CSSF.

#EU AI Act: High-Risk AI in Financial Services

AI systems used for creditworthiness assessment, insurance pricing, or financial fraud detection are classified as high-risk under the EU AI Act. The Act's high-risk provisions apply in stages and require conformity assessments, risk management systems, human oversight, and technical documentation. We build every AI system with AI Act compliance in mind and produce the required technical documentation. An AI Act compliance audit starts from EUR 3,000 excl. VAT.

#AML/KYC: Luxembourg's Reinforced Framework

Luxembourg's AML/CFT framework (transposing the 5th and 6th EU Anti-Money Laundering Directives) imposes stringent customer due diligence obligations, particularly for fund administrators and private banks. We integrate AML/KYC automation into digital onboarding workflows, connecting to Luxembourg's RBE registry and international screening databases while maintaining complete audit trails.

#Why Nehos for Luxembourg

Bilingual FR/EN execution: we work in French and English, the two working languages of Luxembourg's financial sector. German is scoped project by project for DACH-facing work.

EU regulatory depth: We don't just build software; we prepare compliance-ready systems. Every project plans for DORA documentation, AI Act risk assessments, and GDPR Article 28 DPAs.

European hosting possible: we can host your projects with a European provider qualified under SecNumCloud. A data residency attestation can be provided for your CSSF reporting.

A clear way to start: our express AI audit (1 day) is EUR 990 excl. VAT, deducted from the project if it starts within three months. The in-depth AI audit (5 days) is EUR 2,125 excl. VAT.

Remote work, on-site workshops: we travel to Luxembourg City for key milestones (kickoff, design reviews, acceptance) when the project requires it.

Luxembourg's financial sector demands partners who understand both the technology and the regulatory environment. We aim for that combination, with working code, not slide decks.