Executive Summary

Project Buarcos, developed by Velvet Dunes - Unipessoal LDA under the HuuS Portugal Living brand, represents a prime opportunity in Portugal's growing real estate market. Acquired for €500,000, this beachfront building in Buarcos, Figueira da Foz, is undergoing a €703,500 reconstruction to create 9 modern apartments with ocean views. Projected sales of €2,602,500 within 12 months promise strong returns, with repayment sourced from unit sales. The campaign seeks €200,000 in crowdfunding via a 12-month loan at a promotional 22% annual interest rate, payable monthly, to build credibility for future projects. Secured by a €300,000 property with a first-rank mortgage, this investment combines high yield with low risk in a region experiencing demographic, economic, and tourism growth.

Location Analysis

Figueira da Foz, located on Portugal's Silver Coast, is a strategic Atlantic gateway 120 km from Lisbon, 155 km from Porto, and 40 km from Coimbra. It boasts excellent connectivity via A14 and A17 motorways, rail links, and proximity to international airports. The city's multifunctional port serves as a logistics hub, while its iconic beaches, including the 2km Praia da Claridade (Europe's largest urban beach), and protected landscapes like Serra da Boa Viagem enhance its appeal for lifestyle, leisure, and nature.

Buarcos, a coastal parish within Figueira da Foz, offers a privileged beachfront setting with direct ocean views. The area blends traditional charm with modern amenities, attracting residents and tourists seeking quality of life by the sea. Ongoing infrastructure projects, such as marina expansions and a new aerodrome, position Figueira da Foz for sustainable growth. Demographic trends show a +2.4% population increase from 2017-2023, reaching 60,670, driven by economic vitality in pulp, paper, glass, and renewable energy sectors, including an €8 billion offshore wind project.

Developer Profile

Velvet Dunes - Unipessoal LDA operates under HuuS Portugal Living, a brand focused on sustainable, exclusive residential developments founded by a team with over 25 years in construction.

HuuS's history spans from 2000 as contractors on major projects (e.g., Marina de Portimão urbanization, Vale do Lobo houses) to own developments since 2021. Current portfolio in Figueira da Foz includes 9 projects totaling 49,722 m² of construction and 276 units (4 housing, 71 apartments, 201 tourist fractions). Notable ongoing works: Serra das Aranhas M3 (modern villa with smart home system), Casa Fontela M3 (luxury 3-bedroom home), and larger ventures like Serrania da Foz (20-hectare tourism development with villas, hotel, and amenities).

The September 2025 balance sheet shows solid financials: total assets €420,632.93, with €101,544.20 in property under development and €26,218.79 in cash equivalents. Liabilities include €88,366.73 in financing and €60,015.88 in suppliers, resulting in positive equity of €37.50 in results carried forward, indicating stability for project execution.

Project Overview

Project Buarcos involves reconstructing a 4-story building into 9 apartments (T0+1 to T2 duplexes), totaling 600 m² gross area (540 m² useful). Key features: premium finishes, smart home systems, underfloor heating, modern design blending traditional tile facades with contemporary comfort, and terraces with ocean views. Renderings showcase elegant rooftops with dining areas and potted plants, emphasizing luxury and sustainability.

Budget: €703,500, covering site setup (€3,500), demolition (€10,000), structure (€105,000), insulation (€3,500), roofing (€7,000), underfloor heating (€14,000), masonry (€14,000), finishes (€35,000), painting (€14,000), carpentry (€35,000), frames (€35,000), metalwork (€10,500), sanitary (€17,500), kitchen (€35,000), networks (€35,000), smart home (€70,000), ventilation (€20,000), fire safety (€7,000), solar panels (€20,000), HVAC (€26,000), walls (€7,000), cleaning (€3,500).

Execution Schedule: 15 months, starting with site installation and demolition (weeks 1-4), structure (weeks 5-12), insulation/roofing (weeks 13-16), heating/masonry (weeks 17-24), finishes (weeks 25-36), installations (weeks 37-48), safety/HVAC (weeks 49-52), final cleaning/handover (weeks 53-60), with licenses in month 15.

Authorizations: All necessary permits secured, ensuring compliance with local regulations.

Market Analysis

Figueira da Foz's real estate market is booming, with average property prices at €268,900 and +130% growth in m² prices from €1,000 (2015) to €2,300 (2025). Apartments saw +12% annual growth, reaching €2,907/m² in 2025. Rentals surged +150% to €10/m²/month, with demand exceeding supply, especially for premium coastal properties (€5,000-€6,000/m² near marina/ocean).

Buarcos market study highlights high demand for beachfront renovations, driven by tourism (+30% overnight stays in 2023) and economy (pulp/paper, glass, renewables). Projected sales prices for Project Buarcos: Stage 1 (months 1-4) €2,212,125 total (€3,944/m² average); Stage 2 (months 5-12) €2,602,500 (€4,641/m²), reflecting 15% appreciation. Payment models offer flexibility: Model 1 (20% CPCV, 20% mid-term, 60% final); Model 2 (40% CPCV, 60% final).

The region's +16.9% annual residential price increase outperforms Europe, fueled by infrastructure and tourism.

Financial Analysis

Acquisition: €500,000.

Reconstruction: €703,500, funded partially by €200,000 crowdfunding.

Sales Projections: €2,602,500 in 12 months, yielding ~€1,399,000 gross profit (after costs).

Balance Sheet (Sept 2025): Healthy liquidity (€26,218.79), low debt relative to assets, positive net results (€14,372.66 YTD).

Repayment: From sales, with monthly interest payments at 22%.

Funding and Investment Opportunity

Seek €200,000 loan for 12 months at 22% interest (promotional to establish credibility for future campaigns). Monthly payments, full principal at maturity. Secured by €300,000 property (1st-rank mortgage). High yield reflects development potential in a growing market.

Risks and Mitigations

• Market Risk: Rising prices mitigate downturns; conservative projections.

• Construction Risk: Experienced team, detailed schedule, permits in place.

• Repayment Risk: Sales-backed, with property guarantee covering 150% of loan.

• Regulatory Risk: All authorizations secured.

Conclusion

Project Buarcos exemplifies HuuS Portugal Living's expertise in transforming historic properties into premium residences. In a thriving Figueira da Foz market, this secured, high-yield opportunity offers investors strong returns while supporting sustainable urban growth. Join stock.estate in funding this visionary project.