In just five years, Taxx.lu has grown from a side project to processing 1 in 10 tax returns in Luxembourg—thanks to its automation-first approach and growing demand for digital tax optimisation. CEO and founder Patrick Malget explains.
Together with Jerry Weyer and Sven Clement, Patrick Malget developed the first MVP of Taxx.lu and then launched in 2018. Initially, Malget worked on the platform as a side project while teaching, but already in the first year there were around 600 customers. By 2020, however, thousands of tax returns were being processed on the platform, and so Malget quit teaching to focus on Taxx.lu full-time.
Today Malget leads a team of 10 and Taxx.lu processes about 10% of all tax returns in Luxembourg. The team includes both experts in the tax field but also those who have other backgrounds, which the CEO says brings a fresh perspective to things. All development and tax questions are handled in-house, with no contractors involved.
From tax law to coding
Among the platform’s features: a set of frequently asked questions; certain automated features, like an autoscan for uploading tax certificates, from which the system recognises and extracts relevant information; and a chat feature for user support. It also offers tax optimisation services when relevant. Above all, Taxx.lu aims to simplify complex tax language and make information accessible to anyone.
“The goal early on was to make the complicated stuff easy, so everyone can do their tax return on it,” he says. New users visit the site, create an account, and are guided through the steps. Based on a user’s answers to prompts, the platform automatically adapts, showing only information that concerns them. “If you take the classic tax return, I’d say around 60-70% of those pages don’t concern most tax payers, but by looking at those pages, you [can be] a little lost.”
Tax laws evolve. Translating them and putting them into a code that makes a robust platform was, and still can be, a challenge. Malget says that at the beginning of the Taxx.lu journey, he was “quite naïve”: though skilled in putting formulas into Excel, he realised he needed a developer to do the coding. Implementing tax exceptions, which are quite common, can be difficult to get into proper code, which “is kind of like a human being: it’s growing, getting more complicated.” Even with the most seemingly minor changes, the impact can be broader across other aspects of tax forms.
The code “is kind of like a human being: it’s growing, getting more complicated.”
There are other daily challenges that require optimal solutions—but this is what the CEO calls the “beauty of being an entrepreneur”.
Optimisation and new partnerships
In addition to in-company presentations and closed-door events around tax-filing season, Taxx.lu also published a guide to help people complete their tax returns. The platform itself also, in addition to helping file a basic return, provides tips on how users might be able to optimise their tax situation, i.e., through certain insurance. “We’re regulated insurance agents, and we are selling those products. On top of the tax return is this tax optimisation advice we can provide, and this is growing because people want to save on taxes.” In the near future, Taxx.lu aims to expand its insurance side of the business.
Malget adds that the company formed two new partnerships in 2025, with Spuerkeess and Crédit Agricole, “and we have a few more partnerships of this kind that are in the making.”
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