Trust that compounds!
stock.estate vs European real estate investment platforms
A transparent, source-based comparison of stock.estate and European real estate investment platforms. We look at published returns, defaults or problem loans, minimums, security and how each platform presents risk.
At stock.estate:
Invest in vetted real estate projects starting from €100.
Receive fixed interest every month, backed by a first-rank mortgage.
Earn net annual returns of 10% to 16%.
Your funds are protected in segregated BCR (Erste Group) accounts.
Calculate your investment returns
Grivita nr. 42-14 II
10-16%6 moTax residence
Fees explainedSelect country
Individual
Select your country of tax residence to calculate withholding tax.
- Interest11% for 6 mo
- € 55
- Tax
- You earn
Next level: 11.25% p.a. from € 1 250
€ 14.7MInvested amount
€ 6.9MReimbursed amount
13.87%Return
1Number of defaults
Licensed to operate in every EU country
ASF licence PJR28FSFPR/400002 with an active ESMA record. Open to investors worldwide.
- ESMAActive EU register
- ASFHome authority · Romania
- CNMVSpain · EU passport
- AMFFrance · EU passport
- CONSOBItaly · EU passport
- FinantsinspektsioonEstonia · EU passport
- FSMABelgium · EU passport
- AFMNetherlands · EU passport
- FinanstilsynetDenmark · EU passport
- FinansinspektionenSweden · EU passport
- Bank of LithuaniaLithuania · EU passport
- CMVMPortugal · EU passport
- HANFACroatia · EU passport
- CNBCzechia · EU passport
- MNBHungary · EU passport
- NBSSlovakia · EU passport
stock.estate vs leading European platforms
Last updated: June 22, 2026
Platform | Focus | Return | Default / problem-loan metric | Minimum | Security / notes |
|---|---|---|---|---|---|
| stock.estate | Mortgage-secured real estate investments | 13.87%average annual net return | 1.10%current defaulted portfolio | From EUR 100 | Registered real estate mortgage on eligible campaigns, typically 150% of the loan |
| Urbanitae | Real estate equity and loans | +12%average annual return obtained | 0%default rate of granted loans | From EUR 500 | CNMV-regulated platform with equity and loan project structures. |
| InRento | Property-backed rental projects | 11.72%actual annual return | 0%actual default rate | From EUR 500 | Property-backed projects with published late, recovery, and default definitions. |
| Profitus | Real estate-backed loans | 10.69%XIRR | 2.35%loans under recovery | From EUR 100 | Real estate-backed loans; public statistics show 68.91% average LTV. |
| Crowdpear | Real estate and business loans | 10.60%average return | 0%-8%actual default by visible risk rating | From EUR 100 | Public statistics show 58.33% average LTV and 1.36% portfolio in recovery. |
| Letsinvest | Mortgaged real estate projects | 10.15%average annual return | 0%default rate | From EUR 500 | Mortgaged real estate projects; public homepage reports zero investor fees. |
| EstateGuru | Property-backed loans | 9.45%historical return | 20.14%2025 regulatory default rate | From EUR 50 | Mortgage-backed loans; public portal shows default rates by year and risk category. |
| Röntgen | Large real estate-backed tranches | 8.75%average return | 0.98%historical NPL | From EUR 100 | First-rank mortgage or pledge structures on a Lithuanian ECSP platform. |
Default data is shown exactly as the platform publishes it, because not every provider reports the same metric. Figures were checked against public platform pages on 22 June 2026. Returns and default metrics may change, and platform methodologies differ. Read each platform's current statistics, risk warnings, campaign documents, fees, and default methodology before investing.
How to read the comparison
A fair platform comparison needs more than the highest return number. It should make the return basis, default metric, collateral, minimum ticket, and liquidity tradeoff visible.
Return labels matter
A net return, XIRR, historical return, target rate, and average annual return are not the same measure.
Default metrics differ
Some platforms publish a default rate, others show NPL, recovery, late loans, or default by risk category.
Collateral is not a guarantee
A mortgage or pledge can improve recovery options, but repayment delays and capital loss remain possible.
Public pages used for the comparison
These are source links for checking current figures.
- stock.estate statistics
stock.estate
- Urbanitae statistics
urbanitae.com
- InRento statistics
inrento.com
- Profitus statistics
profitus.com
- Crowdpear statistics
crowdpear.com
- Letsinvest homepage
letsinvest.eu
- EstateGuru statistics
app.estateguru.co
- Röntgen statistics
rontgen.lt
Common questions
What investors usually ask when comparing European real estate crowdfunding platforms.
Investor advantages
Trust that compounds!
Mortgage-Secured Investments
Every listed opportunity offers at least 150% real estate collateral, registered as a mortgage in favour of investors and the amounts financed.
The documents are notarised and published in every active campaign.
Secured Funds
Your investment is protected by a single enforceable contract, as the regulation requires.
Funds are segregated: stock.estate does not hold or manage them; they are administered independently by BCR (Erste Group). Your money is safe at every step.
EU-Regulated Transparency
Every campaign includes the project’s financial data and the developer’s legal documents.
stock.estate is authorised and supervised by the ASF under the European ECSP regulation (ESMA).
How your investment works
Three steps, from opening an account to monthly interest.
Register
Create a free account on stock.estate and complete a quick identity check. It only takes a few minutes.
Invest
Choose a campaign and invest alongside other investors. We offer full transparency and net returns of 10% to 16% a year.
Earn
Receive interest and principal on the signed schedule. Reinvest or withdraw them; withdrawals of €100 or more are free.
Real estate investments with net annual returns of 10% to 16%
Starting at €100.
Over 100 projects funded and €14.7 million invested by stock.estate clients. Funded projects have already repaid over €6.9 million to clients in principal and fixed monthly interest.
