--- title: "Asset Protection in Georgia — Legal Wealth Structures Outside the EU | BAUER GROUP" description: "Protect assets outside the EU: Georgian LLC as a holding vehicle, private account in Tbilisi, no automatic EU enforcement." url: "https://bauer-group.ge/en/asset-protection/" locale: "en" published: "2026-07-27" tokens: 5025 --- # Asset protection in Georgia — legal, transparent, with substance Jurisdictional diversification instead of hide-and-seek: we structure accounts and companies in Georgia that sit outside automatic EU enforcement — fully declared and CRS-compliant. From the initial analysis to the annual compliance review. **Price:** from €990 ## What a Georgian protective structure delivers - **LLC or JSC as a holding vehicle** — A Georgian company pools assets and separates them legally from your private wealth — under the Estonian model with no tax on retained earnings. - **Private account outside the EU** — Multi-currency account (GEL, USD, EUR, GBP) with a Georgian bank as a liquid reserve beyond the EU regulatory zone. - **No automatic EU enforcement** — Georgia is not an EU member: the European Enforcement Order and EU-wide account preservation do not apply automatically; foreign judgments need a recognition procedure. - **Ongoing bank and authority correspondence** — We handle communication with banks and Georgian authorities for you — documented, responsive, without timezone friction. - **Compliance-first: KYC and source of funds** — No onboarding without documented proof of source of funds — the banks require it, and so do we. - **Annual compliance review** — Once a year we review the structure, reporting duties and legal changes — so the protective effect holds. 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 holdings and income 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) | no | yes | | Foreign judgments enforceable only after a recognition procedure | yes | no | | CRS reporting to your country of tax residence (Georgia has exchanged automatically since 2024 — transparency applies on both sides) | yes | yes | | Multi-currency account (GEL/USD/EUR/GBP) as standard | yes | no | | Deposit insurance | GEL 50,000 per depositor and bank | €100,000 per depositor and bank | As of July 2026 — the difference lies in enforcement mechanics, not in visibility ## 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. | Tier | Price | Includes | | --- | --- | --- | | 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 | | 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 | | Standard — LLC protective shell (Proven) | €4,900 — + €2,400/year ongoing | Formation of the Georgian LLC; Business and private accounts; Ongoing bank and authority correspondence; Annual compliance review | | 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 | All prices plus statutory VAT — ongoing fees cover bookkeeping, correspondence and the review > **What a structure rests on** > > Four prerequisites, and they are the reason our structures withstand scrutiny. It is built > ahead of time, because a transfer made after a claim has arisen remains open to challenge for > years under sections 129 et seq. InsO and the Creditor Avoidance Act. Income and holdings are > declared in your home country; the protection comes from the Georgian legal system, not from > secrecy — Georgia has reported under CRS since 2024. The beneficial owner stays visible to the > bank and the authorities, because every Georgian bank establishes them during KYC and a nominee > construction surfaces there. And the source of funds is documented, or no Georgian bank opens an > account. No Georgian bank can onboard a sanctioned person; politically exposed persons are > subject to an enhanced review procedure we are not set up for. ## Read on We have documented the background to each building block in depth: the overall strategy in [Asset protection with Georgia](/en/knowledge/plan-b/asset-protection-georgia/), the account side in [Opening a bank account in Georgia](/en/knowledge/banking/open-bank-account-georgia/) and the sober comparison of framework conditions in the [location comparison Germany vs. Georgia](/en/knowledge/plan-b/germany-vs-georgia-comparison/). #### Initial analysis: inventory before structure €990, one clear outcome: a resilient structure recommendation — or an equally clear no. Then you decide. [Request an initial analysis](/#contact) > *This page is a general service description and does not replace legal or tax advice. > Foreign 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.* ## Frequent questions about asset protection ### Is asset protection via Georgia legal? Yes — provided it is done prospectively, disadvantages no creditors and all holdings and income are declared in your home country. Under German law, for example, transfers that disadvantage existing creditors can be clawed back under Sections 129 et seq. InsO and the Creditor Avoidance Act — and a transfer open to challenge will not help you when it matters. Timing is what decides it, and the windows are long: intentional disadvantage of creditors can be challenged for up to ten years under section 133 InsO, gratuitous transfers for four years under section 134 InsO, with the same periods applying under sections 3 and 4 of the Creditor Avoidance Act outside insolvency. Structuring before claims have arisen or become foreseeable is untouched by all of it — and that is the first thing we look at in the initial analysis. ### Will my home tax authority learn about my Georgian account (CRS)? Yes. Georgia has participated in the automatic exchange of information (CRS) since 2024; banks report account holders, balances and income to your country of tax residence. Protection comes from the Georgian legal system, not from secrecy. If you genuinely relocate your centre of life to Georgia and become tax resident there, your Georgian accounts are not reported abroad — CRS only covers accounts of people tax resident in another country. ### Where are the limits? Less a list of prohibitions than a question of resilience — four points that decide whether a structure holds up when it matters. A transfer made after a claim has arisen can be challenged for years under sections 129 et seq. InsO and the Creditor Avoidance Act, and will not help you by then. Undeclared income turns a tax advantage into a tax-evasion case, and CRS brings it to light anyway. Nominee constructions surface in the beneficial-owner determination that every Georgian bank carries out during KYC. And without documented proof of source of funds no Georgian bank opens an account — that is the bank deciding, not us. Two cases fall outside what we are set up for: no Georgian bank can onboard a sanctioned person, and politically exposed persons are subject to an enhanced review procedure we do not offer. ### When is it too late for asset protection? As soon as claims have arisen or are concretely foreseeable — for example once opposing counsel has written to you. At that point, claw-back and criminal-law risks take over. Asset protection is precaution, not crisis response: the earlier you structure, the more resilient the result. ### What does the structure cost? The initial analysis costs €990 and is the mandatory starting point of every engagement. 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Georgia has participated in the automatic exchange of information (CRS) since 2024; banks report account holders, balances and income to your country of tax residence. Protection comes from the Georgian legal system, not from secrecy. If you genuinely relocate your centre of life to Georgia and become tax resident there, your Georgian accounts are not reported abroad — CRS only covers accounts of people tax resident in another country." } }, { "@type": "Question", "@id": "https://bauer-group.ge/en/asset-protection/#faq-3", "name": "Where are the limits?", "acceptedAnswer": { "@type": "Answer", "text": "Less a list of prohibitions than a question of resilience — four points that decide whether a structure holds up when it matters. A transfer made after a claim has arisen can be challenged for years under sections 129 et seq. InsO and the Creditor Avoidance Act, and will not help you by then. 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