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Build a Compliant
Business with Complium
Book a Meeting Fintech licensing, AML compliance and Corporate Services delivered by licensed EU legal experts who manage regulatory complexity end-to-end.
WHAT WE DO
Regulatory, Compliance and Corporate Support Across the EU
Complium supports companies at every stage of their journey, from market entry and licensing to day-to-day compliance and long-term operations. We manage regulatory complexity so your team can focus on execution and growth.
Complium Canada
MSB Registration in Canada With Our Local Team
Our Canadian office handles FINTRAC MSB, foreign MSB and RPAA registration and ongoing AML compliance. Need to start sooner? With a ready-made MSB, you can go live in as little as 2 weeks.
Why choose Complium
Complium works as an extension of your team, providing clear regulatory guidance and reliable execution across licensing, compliance and ongoing operations.
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Clarity over complexityWe translate regulatory requirements into practical steps, so nothing is left open to interpretation.
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Accountable expert supportYou work with licensed legal and compliance experts who take ownership through delivery.
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Built for real operationsOur solutions are designed to function in live business environments, not just on paper.
- Step 1
Consultation
We review your business model, services and target markets, and confirm which licences or registrations apply.
- Step 2
Action Plan
You receive a clear roadmap with the scope, documents and timeline, so you know what happens next.
- Step 3
Implementation
We prepare the applications, deal with the authorities and stay with you for ongoing compliance.
Poland
Estonia
Lithuania
Latvia
We deliver legal expertise you can trust.Anni Toom CEO, Complium
About us
Experienced EU Compliance & Regulatory Experts
Complium is a team of legal and compliance specialists supporting regulated businesses across Estonia, Latvia, Lithuania and Poland. We are not a traditional law firm: we turn regulatory requirements into practical steps and deal with the authorities for you.
- Legal, compliance and corporate work handled by one team
- Practical steps instead of legal theory
- Support that continues after approval
- 2008
- In business since
- 500+
- Projects for regulated and fintech businesses
- 46+
- Countries our clients come from
- 30+
- Legal and compliance professionals
Our SERVICES
Complium Delivers the Core Compliance & Legal Services Businesses Rely On
Complium supports fintechs and growth-stage companies with licensing, AML compliance and corporate services aligned with established EU regulatory frameworks.
Running a regulated business requires reliable execution across compliance, licensing and corporate obligations. Complium provides the specialist services companies rely on to operate compliantly within recognised regulatory frameworks.
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Frequently asked questions
Questions About Complium
Fintech licensing, AML compliance, company formation and what working with us involves.
What does Complium help businesses with?
Complium provides fintech licensing, anti-money laundering (AML compliance) and corporate services. We support businesses from company formation and licence applications through to ongoing compliance, accounting and operational support. You can engage us for a specific project or ongoing assistance.
Which fintech licences and registrations can Complium help with?
We support MiCA crypto-asset service provider (CASP) authorisation, electronic money institution (EMI) and payment institution (PI) licensing, Swiss self-regulatory organisation (SRO) membership and Canadian money services business (MSB) registration. We also assist with Estonian gambling licences. Each route has a different scope and requirements.
How do I know which fintech licence my business needs?
The appropriate licence or registration depends on the services you offer, your business model and the markets you want to serve. Complium reviews your planned activities and target jurisdictions to help identify the relevant requirements before you begin preparing an application.
How long does it take to obtain a fintech licence?
The timeline includes preparing your business and documentation, submitting the application and completing the regulator’s review. It varies by licence, jurisdiction and how ready your business is to apply. Complium can outline the expected stages and preparation work; approval remains the relevant authority’s decision.
How much does Complium’s support cost?
Fees depend on the service, jurisdiction and scope of work. A licence application, a standalone AML audit and ongoing compliance support involve different requirements. Share a brief outline of your needs so we can assess the work involved and prepare a proposal.
Can I outsource AML compliance and KYC processes?
Certain AML and know your customer (KYC) functions can be outsourced, subject to applicable rules and oversight requirements. Complium provides outsourced AML officer and KYC support, alongside AML audits. We help define the appropriate scope for your business, taking account of your activities, licence and national requirements.
Can Complium help with company formation and business banking?
Yes. Complium supports company formation, corporate documentation, accounting, payroll and banking advisory. We can help prepare account-opening documentation and support communication with banks. These services can be arranged individually or alongside a licensing project. Account approval is determined by the bank or payment provider.
Does Complium provide support after a licence is granted?
Yes. Our support can continue after authorisation, covering ongoing AML compliance, outsourced compliance roles, regulatory reporting and advisory services. We also provide accounting, payroll and corporate administration, with the scope agreed around your business’s needs.
Contact us
Let’s talk about your business
Need support with fintech licensing, AML compliance or company formation? Tell us about your plans. We’ll outline what’s involved, the documents you’ll need and the expected timeline.