Luxembourg Unveils National Energy Data Platform ‘Leneda’ to Boost Transparency
Luxembourg – March 24, 2025
In a formal ceremony held on Thursday, Lex Delles, Luxembourg’s Minister of the Economy and Energy, joined energy infrastructure provider Creos in unveiling Leneda, the country’s new national platform for managing energy data.
The launch of this platform comes at a critical time. In early February, as households received their first electricity bills of the year, many—especially those with electric vehicles or heat pumps—were met with unexpectedly high charges. A revised method for calculating grid usage costs has highlighted the urgent need for households to reconsider their electricity consumption habits.
Leneda: A Step Toward Greater Energy Transparency
Developed to promote transparency and empower consumers, Leneda offers users full and detailed access to their energy consumption data. By registering on the platform, users can view their electricity and gas usage, regardless of their energy provider.
In future updates, the platform will also include data on water and heating consumption, transforming Leneda into a comprehensive tool for individual energy management and optimization.
Energy Insights in 15-Minute Intervals
Lex Delles, Minister of the Economy and Energy, emphasized the potential of the new platform:
“Through Energieauer.lu, every citizen can already see how much electricity is produced within Luxembourg and how much is imported. The same applies to gas. But Leneda takes it a step further by providing each consumer with a personal energy account. This account shows, in precise 15-minute intervals, how much electricity or gas has been consumed and how it compares to the reference levels defined in their contract. This level of transparency is exactly what consumers need.”
Better Control, Lower Costs
By using the platform, consumers can assess whether their energy use—such as during EV charging—has exceeded contractual limits. Going over these limits results in higher monthly bills due to increased grid usage fees.
Currently, the Leneda platform is accessible only via its website www.leneda.eu. However, a mobile application is reportedly in development and expected to launch soon.
With the introduction of Leneda, Luxembourg has taken a significant step toward enabling smarter energy consumption, increasing data transparency, and strengthening consumer autonomy in managing their energy use.
Allegations of Forgery and Fraud Shake Luxembourg’s Rental Market: Couple Absent from Court
Luxembourg – March 24, 2025
In a case that has drawn significant media and public attention, a couple accused of forgery, fraud, and abuse of trust appeared — in absentia — before the 23rd Chamber of the Luxembourg Criminal Court this week. According to prosecutors, the two individuals allegedly forged salary slips and bank transfer receipts to secure a rental apartment in Neudorf-Weimershof, and later borrowed €13,600 from another couple, which was never repaid.
"All the Documents Were Fake"
Presiding over the hearing, the judge remarked pointedly:
"So far, every single document submitted by the defendants has proven to be falsified."
The defendants, identified as Danijel and Katarina, were in a relationship at the time of the alleged offenses in 2020, though they have since separated. Neither appeared in court.
The prosecutor explained:
"A woman identifying herself as Katarina called this morning, claiming she was ill and currently in Croatia, and thus unable to attend the hearing."
Danijel was represented solely by his attorney.
Fake Payslips and Forged Transfers to Secure Apartment
Court documents revealed that the couple submitted three falsified salary statements and fabricated bank transfer receipts to convince a landlord of their financial eligibility to rent an apartment. When no payments were received, the landlord contacted the bank, uncovering the fraud.
According to the prosecution:
"The fake documents were poorly done—when compared with genuine examples, the discrepancies were obvious and significant."
Adding to the irony, Danijel had previously been employed by the same bank before being dismissed for submitting falsified documents. "One would expect someone with a banking background to produce forgeries that are at least more convincing," the prosecutor added.
€13,600 Loan Never Repaid
Beyond the rental fraud, the couple is also accused of borrowing €13,600 from another couple residing in Luxembourg — strangers with whom they had only communicated via email and WhatsApp. Of the borrowed amount, only €500 has been repaid to date.
Danijel’s lawyer attempted to shift the blame entirely onto his ex-partner, asserting that Danijel had no knowledge of the loan or any interaction with the victims.
"You never really know who’s behind a computer screen," his lawyer argued.
However, the prosecution dismissed this line of defense as lacking any credibility, requesting a 24-month suspended sentence for both defendants, along with a full repayment of the defrauded amount.
Verdict Due April 30
A final ruling in the case is expected on April 30. The proceedings have reignited concerns among landlords and real estate professionals in Luxembourg, underscoring the need for more rigorous verification of tenant documentation in the rental market.
Professional Guide to Tax-Deductible Insurance Premiums in Luxembourg
Luxembourg – March 24, 2025
In Luxembourg’s taxation system, certain insurance premiums paid under specific contractual arrangements are eligible for deduction from taxable income. This tax benefit applies not only to residents but also to non-residents operating within a legal framework in the country, offering a significant reduction in overall tax liability. Below is a detailed overview of deductible premiums, based on Articles 111 and 111bis of the Luxembourg Income Tax Law (LIR).
Types of Deductible Insurance Premiums
According to Article 111 of the LIR, the following categories of insurance premiums are tax-deductible if they are paid to insurance providers authorized in Luxembourg or any EU member state:
Life Insurance (Assurance-vie): The contract must have a minimum duration of 10 years.
Civil Liability Insurance (Responsabilité civile): Only the civil liability portion (RC) of auto or home insurance is deductible.
Accident, Disability, and Health Insurance: Premiums must be paid to recognized mutual benefit societies or insurance institutions.
Note: Insurance policies covering material risks such as theft, fire, broken glass, or comprehensive vehicle coverage are not tax-deductible.
Loan Protection Insurance (Solde Restant Dû)
This type of insurance is often linked to mortgage loans and can be paid in two ways:
Periodic Premiums: These fall under the standard deductible limits of Article 111 LIR.
Lump-Sum Premiums: When purchasing a primary residence and paying the insurance in a single installment, the deductible ceiling is exceptionally increased.
Retirement and Pension Planning Insurance (Prévoyance-vieillesse)
Under Article 111bis of the LIR, retirement insurance contracts are tax-deductible if they meet the following conditions:
A minimum duration of 10 years.
Contract maturity must fall between the policyholder’s 60th and 75th birthday.
No early redemption is allowed, except in cases of serious illness or permanent disability.
Deduction Limits Based on Insurance Type and Personal Situation
Article 111 LIR: €672 per year for each taxable individual in a household.
Loan Protection Insurance (Solde Restant Dû), Lump-Sum Payment:€6,000 for individuals without children under 30.Additional €480 per year for ages 31 to 49.Up to €15,600 for individuals aged 50 or older.If both spouses are insured, ceilings may be doubled. However, the child-related increase of €1,200 applies to only one parent.
Retirement Insurance (Prévoyance-vieillesse):Up to €3,200 per year, per person, regardless of age. Both spouses may each take out a qualifying contract.
How to Claim the Deduction
Obtain a Tax Certificate from Your Insurer: This document specifies the deductible amount for the year.
Fill Out Your Tax Return:Use Form 100F:Section B.b on page 14 for premiums under Article 111 LIR and Solde Restant Dû.Section D on page 15 for special expenses such as Prévoyance-vieillesse.
Respect the Deadline: Submit by December 31 of the relevant tax year.
Attach Required Certificates: Official tax certificates from your insurance provider must be included.
The tax return can be submitted by post or electronically via MyGuichet.lu.
Tools and Assistance
By taking advantage of these legal provisions, policyholders can turn their insurance contributions into an effective tool for tax optimization and financial planning. For further information, refer to the 2025 edition of the Luxembourg Income Tax Law or consult a qualified tax advisor.
Useful links:
What You Need to Know About Luxembourg’s “Young Employee Bonus”
Luxembourg – March 24, 2025
In line with a key commitment outlined in the government's coalition agreement, Luxembourg officially launched the “Young Employee Bonus” on January 1, 2025. Aimed at encouraging youth employment and promoting job stability among young professionals, the scheme offers notable financial advantages for eligible workers under the age of 30. Here are the three most important things to know about this new incentive.
1. Who Is Eligible for the “Young Employee Bonus”?
According to the Chambre des salariés (Chamber of Employees), which issued an informational note in March 2025, the bonus is exclusively available to employees under the age of 30, provided that the job in question represents their first permanent contract (CDI) in Luxembourg — or abroad, as long as the employer has a permanent establishment in Luxembourg.
This means that once a worker has received the bonus for their first CDI, they are no longer eligible if they change employers.
2. How Does the Bonus Work?
The “Young Employee Bonus” is not mandatory — its issuance is entirely at the discretion of the employer. However, if granted, only 25% of the bonus is taxable, while the remaining 75% is fully tax-exempt.
Because the bonus is employer-driven, it is also the employer’s responsibility to verify the employee’s eligibility and process the payment accordingly.
3. How Much Is the Bonus Worth?
The maximum value of the “Young Employee Bonus” is set at €5,000. For instance, an employee earning less than €50,000 gross annually will pay tax on only €1,250, while the remaining €3,750 is received tax-free. For part-time workers, the bonus is adjusted proportionally.
The tax-exempt portion of the bonus depends on the employee’s annual gross salary:
€5,000 bonus for annual income up to €50,000
€3,750 for income between €50,001 and €75,000
€2,500 for income between €75,001 and €100,000
A Step Toward Youth Empowerment
With the implementation of this scheme, the Luxembourg government has taken another proactive step toward boosting youth employment and promoting long-term job retention. While the decision to grant the bonus lies with the employer, its potential impact on young workers’ financial well-being could be significant — especially at the start of their careers.
Luc Frieden: “Europe’s Security Must Be Guaranteed Through Military Means”
Luxembourg – March 24, 2025
Luxembourg’s Prime Minister Luc Frieden appeared on the morning news program of German broadcaster ZDF on Thursday, where he addressed the sensitive topic of Europe’s remilitarization in light of ongoing geopolitical challenges.
In his interview, Frieden emphasized that European leaders are not preparing for war, but are instead striving to restore Europe’s identity as a symbol of peace and prosperity. However, he argued that such aspirations must be backed by concrete action — notably, the establishment of a robust internal European defense market.
“We, as Europeans, must ensure that after the war in Ukraine — whose end we all desire — Europe remains secure. And security cannot just be a beautifully worded concept. It must be guaranteed by military means,” Frieden stated.
A Persistent Threat from Russia: NATO’s Eastern Flank Must Be Reinforced
Reflecting on recent years of heightened instability, Frieden highlighted Russia’s repeated aggressions toward other countries and regions, labeling them as a serious threat to European security. In response, he called for collective reinforcement of NATO’s eastern flank, stressing the need for united deterrence against future threats.
A Long-Term Vision: A Unified European Army
Frieden also underlined the importance of maintaining strong transatlantic ties with the United States, expressing confidence that the partnership will endure. Nonetheless, he noted that a unified European army should be a long-term strategic goal — one that could significantly strengthen the continent’s defense autonomy and reduce reliance on external actors.
As the war in Ukraine continues and geopolitical tensions across Europe remain high, Frieden’s remarks reflect a growing consensus among European policymakers: that peace requires preparedness, and security must be backed by credible defense capabilities.
The Future of Pensions in Luxembourg: What Is the Government Planning?
Luxembourg – March 24, 2025
On March 19, the Luxembourg government launched a national consultation on the future of the country’s pension system during a session in the Chamber of Deputies. Initiated by Martine Deprez, Minister for Social Security, the session marked the beginning of a broad public dialogue, though it stopped short of presenting concrete policy solutions.
No Change to Retirement Age, No Cuts for Current Pensioners
After a full day of debate and speeches from political parties across the spectrum, Minister Deprez made one firm statement:
“The government does not intend to change the legal retirement age. It will remain set at 65. Likewise, the rights and pensions of current retirees will remain untouched.”
This reassurance comes amid growing concerns over the sustainability of the pension system. According to the latest projections from the General Inspectorate of Social Security (IGSS), the national pension fund could begin running a deficit as early as 2026. Rising costs, combined with the increasing number of retirees, are expected to outpace the contributions from the current workforce.
€27 Billion at Risk
Luxembourg currently holds around €27 billion in pension reserves, a financial cushion intended to protect the system in times of strain. But if no corrective action is taken, experts warn that these reserves could be gradually depleted. On this point, there appears to be consensus across party lines — both from the governing coalition and the opposition:
“Doing nothing is not an option.”
The Options on the Table: Cut Spending or Raise Revenue?
While no immediate decision was made, the range of available options has become clearer:
Cut spending by reconsidering pension entitlements or access conditions
Increase revenue through higher contributions or additional taxation
Encourage or mandate longer working lives to reduce the strain on the system
Government Still in Listening Mode
Despite growing pressure to take a definitive stance, the government has opted to continue the consultation phase. Minister Deprez stated that the goal at this stage is to collect input and thoroughly assess all potential measures with the involvement of experts, stakeholders, and civil society.
To this end, three more expert roundtables are scheduled before the end of April, aiming to explore all dimensions of what has become one of the country’s most urgent long-term challenges.
As Luxembourg’s retired population continues to grow and the financial health of its social security system faces increasing risks, the decisions made in the coming months will have profound implications — not just for today’s workers and retirees, but for generations to come.
New Study Reveals Racial Bias in Luxembourg’s Housing Market Against African Property Owners
Luxembourg – March 24, 2025
A recent study by the Luxembourg Institute of Socio-Economic Research (LISER) has uncovered evidence of racial discrimination in the country’s real estate sector. According to the findings, property owners with African-sounding names consistently receive lower market valuations, losing up to €20,000 per sale on average.
Published ahead of the International Day for the Elimination of Racial Discrimination (March 21), this groundbreaking research was conducted in collaboration with the University of Luxembourg, the University of Cambridge, and the Vienna University of Economics and Business.
Systematic Undervaluation Based on Name Perception
In the study, participants were asked to estimate the market value of various properties listed in Luxembourg. The results revealed that listings attributed to owners with African-sounding names were systematically undervalued by 3 to 4 percent compared to identical properties linked to names more common in the Greater Region. This valuation gap translates into an average financial loss of €20,000 per transaction for African-descendant property owners.
Hidden Bias, Real Economic Consequences
Dr. Giorgia Menta, a lead researcher at LISER, explained the deeper implications of the findings:
“This form of discrimination often stems from implicit bias — subconscious prejudices that individuals may not even be aware of. These hidden attitudes can have significant long-term effects on wealth accumulation among minority communities. When property owners unknowingly receive lower offers, it widens the racial wealth gap and contributes to systemic economic inequality.”
Statistical Discrimination, Not Always Overt Racism
One of the study’s most striking observations was that older participants and those with lower education levels were more likely to undervalue properties associated with African names. Interestingly, this pattern appeared regardless of the respondents’ stated views on immigration. According to the researchers, this suggests the presence of “statistical discrimination” — where individuals rely on generalizations or stereotypes rather than conscious racial bias.
A Call to Action for Policymakers
The study's conclusions serve as a wake-up call for policymakers in the realms of social equality, economic justice, and housing regulation. By shedding light on subtle and often unnoticed forms of discrimination, the research lays the groundwork for reform-oriented policies aimed at promoting fairness and reducing racial and social disparities in Luxembourg.
These findings also underscore a sobering reality: even in advanced European societies, racial bias can be deeply embedded in economic structures. Identifying and addressing these inequalities is not just a moral imperative — it is essential for building an equitable and inclusive future.
Luxembourg Launches National Dialogue on Sustainable Food Policy
Luxembourg – March 24, 2025
In a significant step toward transforming the country’s food system, the Luxembourg government has initiated work on its first National Action Plan for Healthy and Sustainable Nutrition. On March 24, a consultative session was held in the Chamber of Deputies, gathering lawmakers and over 60 stakeholders from across the agri-food chain. The goal: to design a comprehensive strategy to promote healthier eating habits and a more resilient agricultural sector.
Inclusive Participation for a Better Food Future
Martine Hansen, Minister of Agriculture, emphasized the importance of parliamentary involvement during her speech at the session:
"As the primary legislative body, Parliament must be the first place we turn to gather ideas."
In parallel with the parliamentary discussion, the government consulted a wide range of food sector actors — from professional chambers and producers to the Confédération des métiers de bouche, ULC (consumer protection union), educational institutions, and Mouvement écologique. Additionally, the ministries of Agriculture, Health, Education, and Environment will actively contribute to the development of the plan.
Six Key Priorities Identified
Based on a consumer and producer survey conducted by TNS-Ilres, the upcoming National Food Action Plan will focus on six main areas:
Promoting healthy eating
Increasing availability of regional products
Encouraging seasonal food consumption
Ensuring food security
Combating food waste
Balancing product prices with farmers’ incomes
Minister Hansen underlined the overarching goal:
“We want safe and healthy food, and we are committed to promoting regional, sustainable, and resilient agriculture.”
Calls for More Concrete Measures
While the tone of the session was broadly constructive, some MPs expressed concern over the lack of specific proposals. They argued that more detailed plans would allow political parties to adopt clearer positions.
Luc Emering (Democratic Party – DP) urged:
“We need clear, understandable, and visible labeling on food packaging. We must also strengthen the connection between producers and consumers at the local level and make farming a more attractive profession.”
Claire Delcourt (Luxembourg Socialist Workers' Party – LSAP) advocated for a fundamental overhaul of the food system, citing the European "Farm to Fork" strategy. Along with other MPs, she highlighted the importance of protecting biodiversity and addressing climate change.
Joëlle Welfring (The Greens – déi Gréng) added:
“Future food strategies must place environmental protection at the center. Our dietary habits not only affect human health but also the health of our air, soil, and water.”
Nutritional Oversight and Trade Policy Reforms
Alexandra Schooss from the ADR party proposed establishing a nutri-vigilance system similar to those in neighboring countries, stating:
“Such a system should monitor the consumption of dietary supplements, fortified foods, energy drinks, and other similar products.”
David Wagner (The Left – déi Lénk) laid out key demands:
“We need to end socially and environmentally harmful free trade agreements, establish a democratically planned food policy with all stakeholders, and provide free meals for all primary and secondary school students.”
A Shared Sense of Urgency
Despite ideological differences, a common theme emerged from the discussion: the urgent need for a fundamental shift in Luxembourg’s food and agricultural policies. Stakeholders from across the political spectrum appeared to agree that only bold, systemic reforms can ensure a healthier, fairer, and more sustainable future for all citizens.
Vitiligo: A Condition Beyond Cosmetic Concerns
Luxembourg – March 24, 2025
Vitiligo is often mistakenly dismissed as a mere cosmetic issue, yet for those affected, it represents far more than just a skin condition. Characterized by the loss of pigment in certain areas of the skin, vitiligo can have profound psychological and emotional impacts, in addition to its visible symptoms.
An Autoimmune Disorder with Emotional Consequences
Vitiligo is an autoimmune disease in which the immune system attacks and destroys melanocytes—the cells responsible for producing skin pigment. This leads to irregular white patches that can spread across different parts of the body. Affecting approximately 0.1% to 2% of the global population, vitiligo can appear at any stage of life, from early childhood to adulthood.
Although recent years have seen advances in treatment options, the condition is still widely perceived as a “cosmetic defect,” a misperception that can drive many patients into social isolation.
Delayed Diagnosis and Public Indifference
One of the major challenges faced by vitiligo patients is the delayed diagnosis. According to data provided by pharmaceutical company Incyte, it takes an average of two and a half years for the condition to be properly diagnosed. During this time, many patients are told that no effective treatment exists. As a result, 65% of individuals give up on seeking further help.
A Mother's Story: When the Symptoms Begin with Grey Hair
Ana Coutinho Da Fraga, mother of an 11-year-old girl with vitiligo, recalls how her daughter’s condition was first noticed:
“She was only five when I noticed her hair turning grey as she walked. I thought, ‘This can’t be possible at such a young age.’ I grew concerned and started reading online. The next morning, I called the pediatrician, who examined her and said, ‘I think you're right.’ He referred us to a dermatologist, who confirmed the diagnosis. Due to frequent falls, she has prominent white patches in some areas.”
The Genetic Link
Dr. Tiago Fernandes, a dermatologist, explains:
“Yes, vitiligo can be hereditary. According to studies, 20% of cases have a family history of the disease.”
In the case of Ana’s daughter, the condition runs on the father’s side, indicating a genetic predisposition.
Promising Treatments on the Horizon
While there is still no definitive cure for vitiligo, various therapies are available to stimulate repigmentation and control its progression. One such approach involves inhibiting the JAK-STAT pathway, which regulates the immune response that destroys melanocytes. Experts say more effective treatments are likely to emerge in the coming years.
Awareness Campaign in Luxembourg
To raise public awareness, a campaign titled “Understanding Vitiligo” was held last Thursday in Luxembourg City. Life-size silhouettes representing people with vitiligo were installed throughout the city to spark public curiosity and empathy.
Breaking the Silence: Public Figures Speak Out
Several well-known figures have played key roles in shifting public perception of vitiligo:
Michael Jackson, the late pop icon, lived with the disease for years. As his skin tone changed, his family later confirmed that he had vitiligo and used cosmetics to even out his appearance.
Winnie Harlow, the Canadian supermodel, proudly showcased her vitiligo on global platforms, including fashion campaigns and television shows, becoming a powerful advocate for self-acceptance.
Lee Thomas, an American journalist, published a memoir titled Turning White chronicling his personal journey with vitiligo and became a leading voice in raising awareness in the media.
From Shame to Acceptance
Though vitiligo may only appear to affect the skin, it touches much deeper aspects of a person’s life—emotions, confidence, and identity. Public awareness, understanding, and empathy are the first steps in creating a more inclusive society for those affected. Changing societal attitudes remains one of the most powerful remedies available today.