Legalian
Deadline 10 July 2027

AML 2027 is coming. Are your systems ready?

We monitor your client base & flag all clients with changes based under AML 2027. The rest remains free.

Request a readiness assessment arrow_forward
Time remaining
14
Months
Deadline
10 Jul 2027

From this day the new UBO rule applies retroactively to every existing customer.

published_with_changes FIG 7.1 · What changes

From the 25% threshold to revised calculations

Until 9 July 2027

Threshold only

One test: ownership above 25% = beneficial owner.

#
Ownership Threshold 25%
Status
A
35%
UBO
B
15%
missed
C
10%
missed
1 UBO found · two real owners stay hidden below the line.
From 10 July 2027

Control counts too

Several tests: ownership, control, benefit or indirect - any one triggers.

#
Ownership
Control
Benefit
Indirect
UBO
A
35%
✓
·
·
✓
B
15%
·
✓
·
✓new
C
10%
·
·
✓
✓new
3 UBOs found · two new real owners surface via control and indirect holdings.
gavel

The four UBO tests of the new rule

Art. 51 · Base norm
Who is a UBO?

Always a natural person - never the entity itself.

Art. 52 · Ownership
Direct and indirect holdings

Holdings multiplied and added across every chain, from 25%.

Art. 53 · Control
Control instead of ownership

Even below the threshold: whoever controls the majority on every level.

Art. 54 · Catch-all
Catch-all for complex structures

Applies when ownership and control sit on different levels.

Optional PDF

Get our whitepaper on AML 2027

frame_inspect FIG 7.2 · The full-base sweep

Your entire book, re-screened - as soon as the regulations hit

  • compare_arrows
    Every file side by side

    Old and new rule side by side - the whole book in one pass.

  • euro
    You only pay where something changes

    If the owner stays the same, the file is documented, closed and free.

  • verified
    Audit-proof record for every file

    Every file gets a sourced report documenting each step.

Full-base sweep
+UBO Swap unchanged
unchanged22.432
+UBO1.914
swap464

Check your readiness.

We dry-run your book against the AML 2027 rule and deliver an assessment within a week.

Request a readiness assessment arrow_forward

Want to scope it first? Request the AML 2027 readiness checklist