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
Randament estimat pe 12 luni:
-
comisioane și taxe =
(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 este inscrisă în Registrul Autorității de Supraveghere Financiară cu nr. PJR28FSFPR/400002, începând cu data de 29.08.2023, conform registrului furnizorilor de servicii de crowdfunding al Autorității Europene pentru Valori Mobiliare și Piețe (ESMA).
Resurse pentru investitori
Garanții și securitateModelul de crowdlendingComparație vs depoziteComparație vs REIT-uriComparison vs othersToate investițiile implică riscuri, incluzând pierderea capitalului investit, lipsa lichidității, nerambursarea parțială sau totală a împrumuturilor. Este o investiție adecvată numai pentru investitorii capabili să evalueze și să suporte riscurile prezentate anterior. Înainte de a investi, vă rugăm să citiți avertismentul referitor la riscuri, și de asemenea, toate clauzele contractului de împrumut, care vă va fi furnizat pentru campania în cauză. Platforma Stock.estate nu este responsabilă pentru informațiile furnizate de dezvoltatorii de proiecte, chiar dacă acestea sunt furnizate de sau prin intermediul Stock.estate. Stock.estate nu furnizează niciun alt serviciu de consultanță. Decizia de a investi vă aparține Dvs. în totalitate. Vă recomandăm să apelați la consultanți specializați în cazul în care aveți nevoie de ajutor pentru evaluarea deciziei de a investi. Mesajele și documentația pe care le primiți de la Stock.estate sau de la dezvoltatorii de proiecte nu au fost verificate sau aprobate de autoritățile române sau europene.