Refina Treuhand AG Horw

What Refina Treuhand AG Horw does

Refina Treuhand AG Horw is a privately held Swiss fiduciary and tax advisory firm incorporated as an Aktiengesellschaft (AG), founded in 1978 and headquartered in a single office at Wegmatt 16 (Postfach 6048) in Horw, canton of Luzern. The firm serves two customer segments: business clients (Geschäftskunden/Unternehmen, primarily local small and medium-sized enterprises) and private individuals (Privatkunden/Privatpersonen) in Horw and the surrounding Lucerne region. Service delivery is organized around recurring fiduciary work for businesses — trust and business consulting, financial accounting, payroll and personnel administration, corporate tax consulting, and statutory or limited audits — and personal services for individuals — personal tax filings and tax planning, financial/investment advisory, real estate transaction support, and private pension and estate planning (Säule 3a, wills, advance healthcare directives).

Underlying technology is minimal and traditional: no software platform, no API, no mobile app, and no disclosed AI/automation capabilities; the technology field is explicitly marked as not disclosed. Professional credibility rests on regulated credentials held by personnel — owner Urs Scheuber is a dipl. Treuhandexperte and zugel. Revisionsexperte (RAB), and Stephan Vollenweider is a lic. oec. HSG and dipl. Wirtschaftsprüfer — and on membership in the two principal Swiss fiduciary/audit associations, Expert Suisse and Treuhand Suisse. The firm also publishes a periodic "UP | DATE" customer magazine on trust, tax, finance and business topics as a content marketing channel.

The business model is a fee-for-service professional services model, with revenue generated from time- and engagement-based fees on trust, accounting, payroll, tax, and audit mandates; pricing is not publicly disclosed. Go-to-market is sales-led and community-led: client acquisition runs through direct office contact, local reputation, referrals and the customer magazine, rather than through digital or out-of-market channels. The firm has no disclosed funding, no parent company, no subsidiaries, and no pending M&A; it is operated by its owner-inhabitor along with approximately ten named staff including one apprentice, occupying a stable, regional niche position in the Swiss fiduciary market.

Name

Refina Treuhand AG Horw

Legal name

Refina Treuhand AG Horw

Website

https://refina.ch

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Refina Treuhand AG Horw is a privately held Swiss fiduciary and tax advisory firm in Horw, Luzern, founded 1978, serving local SMEs and private individuals with trust consulting, accounting, payroll, tax, and audit services across a regional Horw-area catchment.

Ownership category

akta.pro rank

Headquarters

HQ city

Horw

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Treuhanddienstleistungen (Trust Services): Professional trust services including company founding consulting, succession planning, accounting, payroll administration, tax consulting, and auditing for businesses and private individuals in Switzerland.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels1 record

Core offering

Refina Treuhand AG Horw is a Swiss fiduciary and tax advisory firm offering professional consulting services to both business clients and private individuals. For businesses it provides trust consulting (company formation, succession planning, valuations), accounting (bookkeeping, financial statements, VAT), payroll and personnel administration, corporate tax consulting, and statutory/limited auditing. For private individuals it provides personal tax services, financial and investment advisory (including real estate), and private pension/estate planning. Services are delivered as in-person, fee-based professional engagements from the Horw office.

Product overview

Refina Treuhand AG Horw is a Swiss fiduciary and tax consulting firm providing professional services to both businesses (Geschäftskunden/Unternehmen) and private individuals (Privatkunden/Privatpersonen). The company's service portfolio is organized around two customer segments: for business clients, it offers Treuhandberatung (trust consulting), Rechnungswesen (accounting), Lohn- und Personaladministration (payroll/HR), Steuern/Steuerberatung (tax consulting), and Revision (auditing); for private clients, it provides tax consulting, Finanzen/Investitionen (finance/investments), and Private Vorsorge (private pension planning). These services are delivered as professional consulting offerings rather than a software platform, with emphasis on personal service, regional proximity, and long-term client relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Treuhandberatung (Trust Consulting) Trust and business consulting for business clients covering company formation, business plans, financing, succession planning, company valuations, and authority communications.
• Rechnungswesen (Accounting) Full accounting services for business clients including bookkeeping, annual and interim financial statements, financial planning, VAT reporting, and administrative support.
• Lohn- und Personaladministration (Payroll and Personnel Administration) Payroll processing, personnel administration, social security settlements, source tax calculations, year-end processing, and labor law correspondence for business clients.
• Steuern / Steuerberatung für Geschäftskunden (Tax Consulting for Business Clients) Corporate tax services including tax return preparation, tax planning, and restructuring advice for business clients.
• Steuern / Steuerberatung für Privatkunden (Tax Consulting for Private Clients) Personal tax services including tax return preparation, medium- and long-term tax planning, support with tax questions, and property gains tax declarations for private clients.
• Revision (Auditing) Audit services including statutory audits, limited audits, special examinations, and due diligence support for business clients.
• Finanzen / Investitionen (Finance / Investments) Financial advisory services for private clients including wealth decisions, real estate purchase and sale support, and wealth structure planning.
• Private Vorsorge (Private Pension Planning) Private pension and succession planning services for private clients including advance healthcare directives, wills, inheritance planning, and marital property advice.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Expert SuissecoreOthersProfessional membership association for Swiss experts in auditing, tax, and trust services. Members have access to professional standards, training, and industry recognition.
• Treuhand SuissecoreOthersSwiss trust association representing trust companies and professionals. Membership demonstrates professional qualifications and adherence to industry standards in trust and tax services.

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Direct peers

• OBT AG: Swiss Treuhand, audit, tax and consulting firm with strong regional presence including the Luzern area. Closely comparable to Refina in service portfolio (Treuhand, Rechnungswesen, Steuern, Revision) and target SME/client-segment focus, making it a direct regional peer.
• BDO Visura: Swiss Treuhand and audit firm providing fiduciary, tax, accounting and audit services to SMEs and private individuals. Highly comparable business model and service mix to Refina, serving similar Central Swiss clientele.
• All Treuhand AG Luzern: Regional Swiss Treuhand firm based in the Luzern area offering accounting, tax, payroll and audit services to SMEs and private clients. Operates in the same geographic catchment as Refina with a comparable service portfolio.

Emerging players

• Abacus Research AG: Swiss business software vendor providing ERP, accounting and payroll software widely used by Swiss Treuhand firms. Not a direct competitor to Refina's advisory services, but a technology alternative that could change how SME clients consume bookkeeping and payroll services.
• Bexio AG: Swiss cloud-based accounting and business administration platform for SMEs and accountants. Represents the digital-bookkeeping alternative that competes with parts of Refina's traditional accounting and payroll service line.

Broad incumbents

• BDO Switzerland: One of Switzerland's largest audit, tax and advisory networks. Directly comparable to Refina's audit (Revision), tax, and accounting services, but operates at national scale with offices across all major Swiss cities — a broader incumbent in the same Treuhand/fiduciary category.

Others

• Treuhand-Suisse (industry association): Swiss professional association for Treuhand firms of which Refina is a member. Not a direct competitor but an ecosystem/standards-setting body whose member-firm directory channels SME clients to regional Treuhand providers like Refina.
• Expert Suisse: Swiss expert association for audit, tax and trust professionals. Refina is a member. Functions as an industry credentialing body and referral ecosystem for fiduciary firms rather than a competing service provider.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/refina-treuhand-ag-horw

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Refina Treuhand AG Horw