Asset protection in Georgia — legal, transparent, with substance

Serious asset protection has nothing to do with hiding wealth — automatic information exchange has made that impossible anyway. It means spreading assets across several legal systems so that no single event — a lawsuit, a banking crisis, a regulatory tightening — can ever reach your entire net worth. Georgia is one of the most practical jurisdictions in Europe for this: outside the EU, OECD-cooperative, with a stable banking sector. We build the structure and look after it continuously.

What a structure protects against

The risks our clients address are documented and can be stated soberly:

• Professional liability exposure. Self-employed professionals and entrepreneurs in litigation-prone fields carry a personal enforcement risk that professional indemnity insurance alone does not cover.
• Concentration risk in the banking system. EU deposit insurance ends at €100,000 per bank and depositor; anyone holding more liquidity concentrates risk in a single legal zone.
• Regulatory tightening in the EU. Adopted, for example: the EU-wide cash payment cap of €10,000 from July 2027 (AMLR); further projects — an asset register, the digital euro — are under discussion or in preparation. Not reasons for panic, but a documented direction.
• Private risk constellations. Inheritance and separation situations where geographically separating parts of one’s wealth can make sense — always coordinated with your lawyer at home.

Secrecy helps against none of these risks. Diversification across legal systems — done early and documented — helps against all of them.

The three golden rules

Early. Asset protection only works prospectively — before claims arise or become foreseeable. Transfers that disadvantage creditors can be clawed back, under German law for many years retroactively (Sections 129 et seq. InsO, Creditor Avoidance Act).

Transparent. All accounts and holdings are declared in your home country; Georgia has reported to countries of tax residence via CRS since 2024. The protective effect comes from the Georgian legal system — not from opacity. Anyone promising you “invisible accounts” is selling you a criminal tax case.

With substance. A company that exists only on paper survives neither a claw-back action nor a tax audit. Our structures have their own accounts, proper bookkeeping and documented decisions.

Georgia vs. an EU account

	Account & structure in Georgia	Account in the EU
Automatic EU-wide account preservation (European Enforcement Order)
Foreign judgments enforceable only after a recognition procedure
CRS reporting to your country of tax residence Georgia has exchanged automatically since 2024 — transparency applies on both sides
Multi-currency account (GEL/USD/EUR/GBP) as standard
Deposit insurance	GEL 50,000 per depositor and bank	€100,000 per depositor and bank

Packages and pricing

Every engagement starts with the initial analysis. Only once your situation, risks and goals are clear do we recommend a structure — or advise against one.

All prices plus statutory VAT — ongoing fees cover bookkeeping, correspondence and the review

Initial analysis

€990 one-off — starting point of every engagement

• Inventory and risk analysis
• Structure recommendation or a clear no
• Roadmap with costs and timelines

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Basic — private account

€1,200 one-off

• Account opening in Georgia incl. support
• Multi-currency account GEL/USD/EUR/GBP
• KYC and source-of-funds preparation

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Proven

Standard — LLC protective shell

€4,900 + €2,400/year ongoing

• Formation of the Georgian LLC
• Business and private accounts
• Ongoing bank and authority correspondence
• Annual compliance review

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Premium — holding

€9,900 + €4,800/year ongoing

• Individual holding structure (LLC/JSC)
• Substance build-up and documentation
• Coordination with your advisers at home
• Annual compliance review

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Read on

We have documented the background to each building block in depth: the overall strategy in Asset protection with Georgia, the account side in Opening a bank account in Georgia and the sober comparison of framework conditions in the location comparison Germany vs. Georgia.

This page is a general service description and does not replace legal or tax advice. Foreign accounts, holdings and income must be declared in your home country; Georgia participates in the automatic exchange of information (CRS). Asset transfers may be subject to claw-back rules such as Sections 129 et seq. InsO / AnfG under German law — obtain individual advice before any structuring. Status: July 2026.