About Us – Ratiofy.Lu

email: info@Ratiofy.Lu

Compliance is obligatory.
Painful invoices are not.

Not even for Top-tier work.

We defend your hard-earned money with our free daily news platform and expert-vetted templates.

Need more help? Request access to our hands-on expert Advisory, Training and Coaching Services (very limited availability).

We are the Safety and Reputation check that AI cannot offer.

Our Mission

To empower small to medium-sized financial institutions in Luxembourg by providing them with easy to adapt example templates that protect their profit and enable them to navigate complex regulations with confidence.

Our Vision

To become the trusted and indispensable standard for efficient regulatory compliance, enabling every financial institution in Luxembourg achieve profitability and peace of mind.

Discuss Your Mission

Core Values

We make sure to follow the principles of:

● Clarity

Simple solutions for complex problems.

● Excellence

The standard for quality and expertise.

● Empowerment

Giving you control of your compliance.

● Integrity

The foundation of all we do.

● Efficiency

Your fast track to compliance.

Our Services

Comprehensive, pragmatic solutions tailored for CSSF-regulated entities in Luxembourg.

Self-Execution

Standardized Templates

Achieve Massive Cost Reduction compared to traditional advisory. Get instant access to expert-vetted policies, procedures, and checklists pre-aligned with CSSF expectations.

Explore Templates

Hands-on Execution

Advisory & Consulting

Direct expert execution for your entity. We offer outsourced CISO/Risk Control functions, third-party monitoring, and fully tailored compliance implementations.

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Skill Building

Trainings

Pragmatic, regulation-specific training sessions designed to elevate your internal team’s understanding of DORA, NIS2, and CSSF requirements.

View Trainings

Leadership Growth

Mentorship

A personalized 6-month coaching program to help IT professionals transition from technical experts to confident, strategic Governance Leaders.

View Mentorship

B2B Promotion

Media & Sponsorships

Place your brand directly in front of Luxembourg’s financial decision-makers through our targeted Daily Newspaper and Executive Podcasts.

View Media Options

Stage Authority

Event Speaking

Bring 20 years of hands-on global experience and extensive Luxembourg regulatory experience of work with 65+ financial entities to your stage. Keynotes, panel moderation, and private executive briefings.

Book a Speaker

Request a Custom Proposal

Frequently Asked Questions

Do you charge administrative or hidden fees? +

No. Standard administrative fees (typically 5% in the industry) are entirely waived. We believe in transparent, predictable costs. Local travel within Luxembourg is also included in our standard engagements.

What is your 100% Money-Back Guarantee? +

We offer a full money-back guarantee within 30 days of service delivery if you are not satisfied with the impact or quality of our work. Your profit and peace of mind are our priority.

How does the 25% Cashback Utility work? +

When you engage in our premium advisory or mentorship services, you can utilize Ratiofy compliance tools and template packages up to 25% of the agreed advisory fee value at no extra cost.

Who is your primary audience? +

Our services and templates are designed strictly for Luxembourg financial entities regulated by the CSSF. This includes AIFMs, Management Companies (ManCos), Banks, Professionals of the Financial Sector (PFS), and Investment Firms.

How can an example template provide the same value as a traditional advisory firm, and how does it save us money? +

Our solutions are not just any example templates; they are expertly crafted systems built on decades of front-line experience. They provide a fast track to compliance, by being easy to adapt, saving you the high cost of custom advisory. By giving you a proven foundation, we enable your team to focus on implementation, ensuring you protect profits and achieve efficiency without compromise.

Our firm is unique. How can a standardized template be truly effective for our specific needs? +

Our solutions are designed for empowerment. We give you a comprehensive, expert-designed starting point that handles a big part of your initial work. You maintain full control to easily customize the remaining part of the work (policies and procedures + implementation) to fit your unique operational structure. This provides both the security of a proven framework and the flexibility you need.

What’s your refund policy? +

You can apply for refund within 15 days after the purchase. We would be very happy to hear the feedback and improve. In fact, we look forward to hearing from you in any case.

How do you ensure that the example templates are up-to-date and of the highest quality? +

Our commitment to excellence is our foundation. The example templates are the direct result of our 20 years of experience with top financial institutions. We continuously monitor and interpret changes in CSSF and EU regulations. When a critical update occurs, our templates are revised to ensure they always reflect the highest standard of quality and compliance.

What happens when regulations change? Are the templates updated? +

We built our brand on integrity. We understand that regulations are not static. Our business model includes ongoing maintenance of our core solutions. When you purchase a template, you can also subscribe to our update service, which provides a fast and efficient way to receive all major revisions as new regulations are implemented.

When should we choose templates, and when should we engage you for full advisory services? +

This decision is about clarity and your needs. Our example templates (easy to adapt) are the ideal solution for firms that have a capable team and a clear understanding of their objectives. For complex, large-scale projects or when you require hands-on support, our advisory services provide the in-depth expertise and personalized attention you need to succeed.

Have more questions? Ask our experts.