European platform comparison
A transparent, source-based comparison of stock.estate and leading European real estate crowdfunding platforms. The focus is on public return figures, default or problem-loan metrics, minimums, security, and the way each platform presents risk.
Net return
14,52% average annual net return from platform statistics
Default ratio
0% current defaulted portfolio in public statistics
Registered mortgages
on eligible secured real estate campaigns
ESMA / ASF regulated
with EUR investments from campaign minimums
Erwartete Rendite in 12 Monaten:
-
Gebühren & Steuern =
(14.0%)
At a glance
Default data is shown exactly as the platform publishes it, because not every provider reports the same metric.
| Platform | Focus | Return | Default / problem-loan metric | Minimum | Security / notes |
|---|---|---|---|---|---|
stock.estate | Real estate crowdlending | 14,52% average annual net return | 0% current defaulted portfolio | From EUR 100 | Registered mortgage on eligible secured campaigns; collateral target should be read as a target, not a guarantee. |
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. |
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.
Method
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.
What investors usually ask when comparing European real estate crowdfunding platforms.
On the public figures checked, stock.estate shows the highest direct-peer figure when using its average net return. Campaign target returns can be higher, but they should not be mixed with average or historical platform statistics.
A return figure without default context is incomplete. A platform with a high headline return can still be a poor fit if late, recovery, or default metrics do not match your risk tolerance.
No. It only describes the platform's published historical or current metric at the time checked. Future campaigns can still be delayed, restructured, recovered partially, or default.
Their visible public statistics do not present one identical headline default rate. Profitus shows loans under recovery, while Crowdpear shows actual default by risk rating plus portfolio recovery data.
Compare the KIIS, loan agreement, collateral documents, LTV, borrower history, repayment schedule, fees, tax treatment, secondary-market options, and the platform's default methodology.
Sources
These are source links for checking current figures. Platform pages can change after this page is generated.
Next step
Averages help with orientation. The real decision is made campaign by campaign: borrower, security, repayment schedule, fees, documents, and your ability to hold through delays.
STOCKESTATE CROWDFUNDING SRL ist seit dem 29.08.2023 unter der Nummer PJR28FSFPR/400002 lizenziert. Finden Sie uns im Register der Anbieter von Crowdfunding-Diensten der Europäischen Wertpapier- und Marktaufsichtsbehörde (ESMA).
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Aktive InvestitionsmöglichkeitenAlle InvestitionsmöglichkeitenSekundarmarktSo funktioniert'sFAQsStatistikenInvestorenressourcen
Garantien & SicherheitCrowdlending-ModellVergleich vs. EinlagenVergleich vs. REITsComparison vs othersJede Investition ist mit Risiken verbunden, zum Beispiel dem Verlust des eingesetzten Kapitals, fehlender Liquidität oder der teilweisen bzw. vollständigen Rückzahlungsausfälle von Darlehen.Diese Investition ist nur für Anleger geeignet, die die genannten Risiken verstehen und tragen können. Bevor Sie investieren, lesen Sie bitte die Risikohinweise sowie alle Klauseln des Darlehensvertrags, der Ihnen für die jeweilige Kampagne zur Verfügung gestellt wird. Die Plattform Stock.estate ist nicht verantwortlich für die Informationen, die von den Projektentwicklern bereitgestellt werden, selbst wenn sie über Stock.estate zugänglich sind. Stock.estate bietet darüber hinaus keine weiteren Beratungsleistungen an. Die Entscheidung, zu investieren, liegt vollständig bei Ihnen. Wir empfehlen Ihnen, bei Bedarf die Unterstützung spezialisierter Berater in Anspruch zu nehmen, um Ihre Anlageentscheidung sorgfältig zu prüfen. Die Mitteilungen und Unterlagen, die Sie von Stock.estate oder den Projektentwicklern erhalten, wurden nicht von rumänischen oder europäischen Behörden geprüft oder genehmigt.