Savov & Partners provides strategic legal counsel for domestic and international banks, financial institutions, investment firms, and non-bank lenders across the full spectrum of banking and finance matters. Our team has extensive experience advising on regulatory compliance, complex financings, cross-border lending, asset-backed transactions, and bank mergers and acquisitions.

We support clients in structuring secured and syndicated loans, negotiating facility agreements, and navigating regulatory developments relevant to the financial sector. Our practice also assists in the structuring and disposal of non-performing loan portfolios and the legal aspects of financial restructurings.

Combining deep industry knowledge with a pragmatic, solutions-oriented approach, we help financial institutions respond to regulatory challenges, develop innovative products, and execute sophisticated transactions in a dynamic legal and economic environment.

Savov & Partners is a trusted advisor to leading banks and financial services providers operating in Bulgaria and the wider region.

Our litigation practice covers all stages of litigation and dispute resolution – before civil, commercial, and administrative courts, as well as in arbitration and mediation proceedings. We act for businesses, institutions, and individuals in a wide range of disputes, combining legal precision with a clear focus on achieving practical, cost-effective results.

Our litigation team advises on:

• Commercial and contract disputes
• Real estate and construction litigation
• Corporate and shareholder conflicts
• Public procurement and administrative appeals
• Tax and regulatory disputes
• Enforcement proceedings and asset recovery
• Representation before regulatory and supervisory bodies
• Others

From the first signs of a dispute to final resolution, we support our clients with tailored strategies that reflect both legal risk and business priorities. When litigation is unavoidable, we prepare cases with trial-readiness in mind—ensuring that we are always positioned to defend our clients’ interests decisively in court.

We also assist clients in managing risk and avoiding litigation by drafting strong contracts, advising on compliance, and negotiating early settlements when appropriate. Whether facing a complex lawsuit, a regulatory challenge, or a cross-border dispute, Savov & Partners provides the legal insight and courtroom experience to help clients reach a successful outcome.

At Savov & Partners, we provide advice for companies on the full spectrum of Bulgarian and EU competition law, helping them design compliant commercial strategies, avoid regulatory pitfalls, and defend their market behavior before the authorities. Our practice combines legal precision with a practical understanding of industry dynamics, making us a reliable partner in both preventive compliance and complex investigations.

Our services include:

• Merger control analysis and filing before the Commission on Protection of Competition (CPC), including cross-border coordination
• Compliance review of horizontal and vertical agreements, such as distribution, supply, franchising, and joint ventures
• Risk assessment and representation in cases of abuse of dominant position, including pricing practices, exclusivity, and refusal to supply
• Defense in cartel investigations and dawn raids, as well as follow-on litigation and appeals
• Drafting and implementation of internal competition compliance policies and training for sales and management teams
• Representation in sector inquiries or market studies initiated by competition authorities
• Legal opinions and strategic guidance on collaboration, innovation, and data sharing in sensitive sectors

We work with clients in retail, energy, technology, telecom, transport, manufacturing, and other regulated industries, helping them align their business conduct with the principles of free and fair competition.

Our team provides clear, strategic advice and litigation support at all stages—from structuring a transaction to defending a market position in court.

At Savov & Partners, we help businesses ensure their customer-facing operations comply with Bulgarian and EU consumer protection laws. Whether you’re launching a new product, running an e-commerce platform, or offering services to the public, we provide legal guidance that balances commercial goals with regulatory expectations.

Our consumer protection services cover:

• Drafting and reviewing general terms and conditions, return policies, and warranty statements
• Legal compliance of marketing, advertising, promotions, and sales campaigns
• Assessment of unfair commercial practices, including misleading claims, aggressive sales techniques, and hidden fees
• Ensuring price transparency, labeling, and digital interface compliance in line with EU directives
• Advising on customer complaint mechanisms, internal escalation procedures, and dispute resolution
• Representation before consumer protection authorities and in proceedings arising from regulatory inspections or sanctions
• Support for businesses subject to sector-specific obligations, such as in hospitality, e-commerce, telecom, and retail
• Ongoing compliance monitoring and employee training in B2C operations

We work with businesses across retail, hospitality, e-commerce, food service, and professional services. Our approach is proactive and grounded— aiming to reduce risk and protect brand reputation.

Savov & Partners is your trusted advisor in building responsible, transparent, and legally sound consumer relationships.

At Savov & Partners, we offer comprehensive legal support in drafting, reviewing, and negotiating all types of commercial and civil contracts. We help our clients structure agreements that are clear, enforceable, and tailored to their specific needs—whether for day-to-day business operations, strategic partnerships or other needs.

Our experience covers a wide range of contracts, including but not limited to:

• Sale and supply agreements
• Service contracts
• Lease and rental agreements
• Distribution and agency contracts
• Joint venture and partnership agreements
• Construction and project development contracts
• Notary deeds
• Confidentiality (NDA) and non-compete agreements
• Terms and conditions for online businesses, etc.

We understand that each business is different. That’s why we take a practical, detail-oriented approach to ensure every contract reflects your objectives, protects your interests, and minimizes legal and commercial risk.

Whether you need a single agreement or ongoing contractual support, Savov & Partners is ready to assist with smart, effective legal solutions.

We assist clients in navigating the legal, procedural, and strategic aspects of public procurement and public-private partnerships. We provide support for both contracting authorities and private sector participants throughout the procurement lifecycle, ensuring that their interests are protected and processes remain compliant with applicable legislation.

Our legal services include:

• Preparation and review of tender documentation and internal procurement rules
• Legal structuring and risk analysis of public-private partnership models
• Support during bidding and evaluation stages
• Review of qualification and award criteria
• Assistance with clarifications, negotiations, and contract finalization
• Appeals before the Commission on Protection of Competition and administrative courts
• Advice on performance, modification, or termination of public contracts

Where appropriate, we coordinate with technical and financial advisors to ensure that our clients benefit from a multidisciplinary approach, particularly in PPP and high-value public tenders.

Our expertise spans a range of sectors, including construction, security, education, energy, transport, healthcare, and IT.

Effective business operations require more than legal insight. To provide smooth cooperation and coordinated support, we work closely with reputable accounting firms that offer a full range of financial and tax-related services tailored to the needs of our clients.

Through this collaboration, our clients benefit from access to services such as:

• Corporate accounting and financial reporting
• VAT and tax compliance
• Payroll and social security administration
• Preparation of annual financial statements and tax filings
• Bookkeeping and internal financial processes
• Accounting support in transactions, restructurings, and due diligence
• Assistance in communication with tax authorities and financial regulators

This integrated approach allows us to support businesses not only with legal advice, but also with practical coordination across accounting and regulatory function – ensuring consistency, efficiency, and compliance at every stage.

At Savov & Partners, we help companies build and maintain strong corporate governance frameworks that support effective decision-making, regulatory compliance, and risk management. We advise boards of directors, executive teams, and corporate administrators on how to meet their legal duties, operate efficiently, and respond to challenges as they arise.

Our team provides services for:

• Establishing new companies
• Structuring and running board and committee meetings
• Drafting and reviewing internal policies, charters, and codes of conduct
• Managing conflicts of interest and director responsibilities
• Preparing for shareholder meetings and addressing shareholder concerns
• Executive compensation and contracts
• Responding to regulatory audits, investigations, or crisis situations

We work with both private and public companies to align their governance practices with Bulgarian law and international standards. Whether it’s supporting day-to-day operations or advising in times of pressure—such as shareholder disputes, management transitions, or compliance issues—we offer practical solutions tailored to your business needs.

Savov & Partners is a trusted legal advisor for companies that value clear advice, fast action, and long-term stability.

Clients rely on us for clear and practical advice on the legal, tax, and regulatory aspects of international restructurings and cross-border corporate reorganizations. Whether driven by strategic growth, tax efficiency, regulatory change, or crisis response, we help businesses navigate complex legal frameworks across multiple jurisdictions.

Our services include:

• Legal structuring of international mergers, demergers, spin-offs, and asset transfers
• Cross-border conversions, redomiciliations, and establishment of holding structures
• Group reorganizations to streamline operations or prepare for investment or exit
• Insolvency-driven restructurings and debt reorganizations with cross-border elements
• Coordination with foreign counsel, tax advisors, and regulatory authorities
• Legal due diligence, transaction documentation, and corporate governance compliance
• Other forms of restructuring

We assist multinational groups, investors, and financial institutions in adapting their corporate structures to business needs, ensuring legal security and operational flexibility. Our team ensures full alignment with EU regulations, local company law, and cross-border merger directives.

Savov & Partners provides strategic, hands-on legal support through every stage of reorganization -ensuring your business remains compliant, agile, and well-positioned for long-term success in a global environment.

In an era where data flows are integral to business growth and operational efficiency, protecting personal and confidential information is not just a legal requirement – it is a strategic imperative. At Savov & Partners, we advise clients on all aspects of data protection, cybersecurity, and digital risk governance in line with Bulgarian, EU, and global standards.

We support companies in navigating the full scope of data protection laws, including the General Data Protection Regulation (GDPR), and help develop compliance strategies that align with their business models, technologies, and internal processes.

Our data protection and cybersecurity services include:

• GDPR compliance assessments and implementation
• Data mapping, data minimization, and internal policy development
• Drafting privacy notices, cookie policies, and consent mechanisms
• Advising on international data transfers and transfer impact assessments
• Data processing and data sharing agreements
• Cybersecurity policies, breach response planning, and regulatory notification procedures
• Representation in inspections, audits, and enforcement actions by data protection authorities
• Advice on privacy risks in digital platforms, HR systems, marketing, and AI tools
• Support in managing data breach incidents, including legal response, reporting, and stakeholder communication

We work across industries such as fintech, healthcare, retail, e-commerce, IT, and professional services, tailoring our advice to each client’s data use and operational footprint. Whether supporting a tech startup developing an AI product or a multinational managing employee data across jurisdictions, our team brings clarity and legal security to complex privacy landscapes.

Savov & Partners is your trusted advisor in building legally sound, risk-conscious, and business-aligned data practices.

Employers turn to Savov & Partners for comprehensive legal guidance in all areas of employment and labour law. We assist Bulgarian and international employers in managing workplace-related legal risks, complying with labour regulations, and aligning their HR strategies with their broader business objectives.

Our services include:

• Drafting and reviewing employment contracts, executive agreements, and internal policies
• Advice on hiring, disciplinary procedures, and termination (individual and collective)
• Compliance with Bulgarian Labour Code, data protection, and health & safety obligations
• Structuring of incentive schemes, non-compete clauses, and confidentiality arrangements
• Legal support during restructurings, business transfers, and mass layoffs
• Representation in employment disputes before courts and labour inspection authorities
• Assistance with labour audits and investigations
• Guidance on employment aspects of M&A and foreign investment transactions

We also work in close coordination with payroll and accounting professionals to ensure fully compliant workforce management. Our employment law team supports clients in sectors such as retail, hospitality, construction, IT, manufacturing, and healthcare.

Whether you are managing day-to-day HR issues or facing a sensitive workplace dispute, Savov & Partners provides clear, reliable legal support.

At Savov & Partners, we provide legal assistance in all matters related to immigration, residence, and employment of foreign nationals in Bulgaria. Our services are designed to support both individual clients and corporate entities in navigating the legal framework governing entry, stay, and work rights.

Our immigration law services include:

• Legal advice and assistance in obtaining short- and long-term residence permits
• Work permits and EU Blue Card applications for highly qualified workers
• Support for employers hiring non-EU nationals
• Visa applications
• Legal support for foreign entrepreneurs and investors applying for residence based on business or investment grounds
• Permanent residence and Bulgarian citizenship procedures
• Representation before immigration authorities in administrative proceedings and appeals

We work closely with clients to ensure procedural accuracy, minimize delays, and reduce the risk of refusals or sanctions. Whether you are relocating for work, investing in Bulgaria, or managing a multinational team, Savov & Partners provides reliable legal guidance throughout the immigration process.

Our M&A team offers end-to-end legal support in mergers, acquisitions, business sales, and joint ventures—whether domestic or cross-border. We act for private and public companies, financial investors, founders, and strategic buyers across a wide range of industries, offering clear legal guidance through complex and high-stakes corporate transactions.

Our M&A services include:

• Structuring and negotiating share and asset deals
• Due diligence coordination and risk analysis
• Drafting and negotiating transaction documents (SPAs, shareholders’ agreements, investment terms, etc.)
• Support in management buyouts, spin-offs, and restructuring transactions
• Joint venture and strategic alliance arrangements
• Merger control and regulatory approvals, including antitrust clearance
• Post-closing integration, governance, and dispute resolution
• Cross-border coordination with foreign counsel and advisors

We advise clients in sectors such as fintech, energy, real estate, healthcare, manufacturing, and e-commerce, and involve tax, competition, employment, and regulatory specialists to ensure seamless execution. Whether acting on behalf of a founder selling a business or a multinational expanding into Bulgaria, our role is to anticipate risks, safeguard value, and secure deal certainty.

At Savov & Partners, we combine legal precision with commercial awareness – supporting our clients from strategy to signature and beyond.

At Savov & Partners, we provide comprehensive legal advice and representation in matters of public law, with a focus on the interaction between individuals, businesses, and the state. Our team has extensive experience navigating the complex framework of administrative, constitutional, and regulatory law in Bulgaria and the EU.

We support clients – both private entities and public institutions – across a broad spectrum of public law matters, including:

• Review and challenge of administrative acts and decisions
• Representation in administrative proceedings and judicial review
• Legal opinions on the constitutionality, legality, and proportionality of public measures
• Advice on regulatory compliance and interaction with supervisory authorities
• Legal analysis and drafting of bylaws, municipal ordinances, and internal regulations
• Guidance on access to public information and transparency obligations
• Representation in proceedings before the Constitutional Court and other high-level bodies
• Advice on legal frameworks for public services, infrastructure, concessions, and state aid
• Strategic support in complex public-sector transactions and institutional reforms

We act in disputes involving construction bans, permits, public procurement procedures, tax, sanctions, and regulatory enforcement, and assist in shaping legally robust public policies and administrative decisions.

Savov & Partners brings a deep understanding of how law and public authority intersect – ensuring accountability, compliance, and legal protection in public-sector matters.

In today’s regulatory landscape, businesses face more scrutiny, obligations, and strategic challenges than ever before. At Savov & Partners, we help clients navigate this complex environment with confidence. Our regulatory practice offers in-depth legal and strategic advice across all major industry sectors, combining legal precision, sector-specific expertise, and a strong understanding of how public policy and regulation shape commercial outcomes.

We advise Bulgarian and international clients—including corporates, investors, institutions, and public sector bodies—on regulatory compliance, licensing, enforcement, transactions, and disputes. Our services span across a wide array of industries and legal domains:

• Antitrust & Competition: Our antitrust and competition practice guides clients through Bulgarian and EU competition laws, including merger control filings, anti-competitive agreements, abuse of dominance cases, and cartel investigations. Our experience spans sectors such as retail, energy, fintech, telecom, and e-commerce. We support clients in structuring partnerships, distribution models, and pricing strategies that minimize risk and align with fair competition rules. We represent clients before the Commission on Protection of Competition and in appeals before administrative courts.
• Artificial Intelligence & Emerging Technology: We advise on the legal and ethical aspects of AI systems and automated decision-making, including algorithm transparency, liability, bias mitigation, and accountability frameworks. Our clients include AI-driven startups, fintech innovators, and tech platforms in sectors like e-commerce, hospitality, and healthcare. We assist in ensuring alignment with upcoming EU AI regulations, data processing rules, and intellectual property concerns.
• Banking & Financial Services: Leveraging our deep sectoral insight, we provide full-scope legal services to banks, investment firms, fintechs, payment institutions, and non-bank lenders. This includes licensing, capital requirements, PSD2 and AML compliance, digital identity frameworks, and cross-border activity approvals. We advise on crypto and blockchain asset regulation, crowdfunding, embedded finance, and digital wallets. Our clients rely on us to navigate rapidly evolving regulatory environments and supervisory engagements.
• Crisis Management & Strategic Response: We offer legal support in urgent and high-risk situations—ranging from regulatory investigations and compliance failures to data breaches and reputational crises. We work with companies in energy, financial services, retail, and hospitality to develop quick-response strategies, contain risks, and communicate effectively with regulators, media, and stakeholders.
• Ordinances and Administrative Acts: We provide legal support in the drafting, review, and interpretation of municipal ordinances, internal regulations, and administrative orders to ensure their compliance with national and EU law, as well as constitutional standards. We also assist in the legal assessment and challenge of administrative acts or local regulations that may be unlawful, disproportionate, or procedurally flawed through administrative and judicial proceedings. Our services include preventive legal review, strategic advice, and representation before relevant authorities and courts.
• Energy & Utilities: Our energy regulatory team advises on licensing, market participation, trading and balancing mechanisms, grid access, renewable energy development, carbon pricing, and implementation of EU Green Deal obligations. We support international investors and developers in compliance with Bulgaria’s energy laws, permitting regimes, and concession procedures for energy infrastructure.
• Environmental, Health & Safety (EHS): From permitting to enforcement, we guide clients through complex environmental and health & safety regulations. We assist in obtaining permits and represent clients in disputes arising from inspections, fines, or non-compliance.
• ESG & Sustainability: Companies turn to us for guidance on aligning with ESG benchmarks, including non-financial reporting, supply chain due diligence, and climate disclosures. We advise on the EU regulation and sustainable strategies, helping clients position themselves as responsible and transparent market actors.
• Food, Drug & Medical Device: We provide advice for pharmaceutical, biotech, food producers, and hospitality operators on product compliance, clinical trials, advertising, food safety, labelling, and traceability. We support clients in obtaining necessary authorizations and maintaining compliance with EU and national standards.
• Consumer Protection & Retail Regulation: Consumer-focused businesses—such as retailers, online platforms, and hospitality operators – rely on us for legal guidance on compliance with Bulgarian and EU consumer protection laws. This includes terms of service, returns policies, dispute resolution processes, pricing transparency, and marketing practices. We help ensure customer-facing operations meet fair trading obligations and avoid reputational and regulatory exposure.
• Healthcare Regulation: Our team provides comprehensive legal guidance for clinics and other healthcare providers. We ensure compliance with regulations on licensing, telemedicine, data protection, advertising, and the approval of drugs and devices. We provide representation for clients before the National Health Insurance Fund and the Bulgarian Drug Agency in both routine and contested matters.
• Insurance: Our team provides advice for life and non-life insurers, insurtech startups, reinsurance providers, and brokers on product approval, distribution regulation, cross-border activity, compliances, and claims-handling obligations. We support transactions involving insurance portfolios and defend clients in supervisory reviews.
• Privacy & Cybersecurity: We assist businesses across sectors—especially fintech, e-commerce, hospitality, and health—with GDPR compliance, cross-border data flows, incident response planning, DPIAs, and audits. We guide clients through regulator investigations and advise on secure data governance and customer privacy strategies.
• Public Procurement: We provide advice for both contracting authorities and bidders on all stages of the public procurement process – from tender preparation and participation, to evaluation, award, and performance. Our services include legal review of documentation, compliance with EU and national procurement rules, assistance in appeals before the Commission for Protection of Competition and courts, and strategic guidance in high-value or sensitive procedures. We also forvide support for clients in concession procedures, partnership models, and navigating procurement-related investigations or sanctions.
• Real Estate Regulation: Clients involved in real estate development, investment, hospitality, and public projects turn to us for advice on land use planning, zoning, environmental assessments, permitting, lease structuring, and property rights disputes.Our support spans from acquisition through to operations and exits.
• Regulatory Litigation: We represent clients in complex administrative litigation and appeals of regulatory decisions in all major sectors. This includes challenges to licensing refusals, fines, ex officio investigations, and public procurement decisions. We combine courtroom strength with a detailed understanding of regulatory frameworks, including constitutional and EU law dimensions.
• Restructuring & Insolvency Regulation: We support debtors, investors, creditors, and insolvency practitioners in navigating regulatory issues related to business reorganization, insolvency filings, creditor settlements, and state aid rules.
• Telecom & Internet Regulation: From telecom infrastructure players to emerging digital platforms, we provide assistance in meeting the full range of regulatory requirements for market access and service provision. We also provide advice for internet governance, neutrality, and competition aspects relevant to tech companies and ISPs.
• Transportation & Infrastructure: From logistics companies to government contractors, we provide targeted regulatory advice in transport planning, infrastructure execution, and sector-specific compliance. Our services include navigating permit requirements, public-private partnerships, EU transport policy, and regulatory frameworks covering ports, roads, airports, and railway systems.

How We Work?

At Savov & Partners, we combine deep regulatory knowledge with commercial insight and litigation strength. We provide:

• Regulatory due diligence and compliance audits
• Licensing and authorization support
• Representation before regulators and administrative courts
• Policy and legislative analysis
• Risk management and compliance programs
• Crisis management in regulatory investigations
• Others

Our team works closely with clients to align legal strategy with operational and business goals. Whether you’re launching a new product, entering a regulated market, or facing a compliance challenge, we will help you act with clarity and confidence.

Savov & Partners is your trusted partner for navigating regulation in Bulgaria and beyond.

Drawing on deep expertise in domestic and international tax matters, Savov & Partners offers comprehensive legal support tailored to the needs of businesses and investors. We advise corporate clients, private individuals, and financial stakeholders on the full spectrum of tax issues—helping them structure operations efficiently, maintain compliance, and resolve disputes with tax authorities.

Our services include:

• Tax planning and structuring for local and cross-border transactions
• Advice on corporate taxation, VAT, withholding tax, and tax treaties
• Transfer pricing documentation, policies, and dispute resolution
• Representation in tax audits, administrative appeals, and tax litigation
• Legal opinions on complex tax questions and restructuring scenarios
• Support in tax aspects of mergers, acquisitions, and investment projects
• Assistance with double taxation issues and international tax compliance
• Others

We represent clients before the Bulgarian National Revenue Agency, administrative courts, and—in cross-border matters—in cooperation with international partners. Our team works closely with accountants, economists, and financial advisors to provide coordinated and strategic tax solutions.

When disputes arise, we are prepared to defend your interests at every stage—whether through negotiation, administrative proceedings, or litigation. Savov & Partners is a trusted advisor in complex tax matters where risk, compliance, and commercial priorities must be balanced with precision and care.