Can I co-invest with others in a single rental property?

Yes. This is one of the most common co-investments. With, for example, three or four people you jointly buy a property to rent out. Each contributes a share, becomes co-owner for that share and receives the net rental income, and any capital gain on sale, in proportion.

How are the returns distributed?

Pro rata: exactly in proportion to your contribution. A 25% stake means 25% of the net returns, and 25% of the costs and risks. This is fixed in advance in the legal structure.

Do I need an existing investment group?

No. You can register independently. We match you with other investors based on your profile, goals and horizon.

What is the minimum entry amount?

This varies per proposition and is communicated transparently in advance. For rental properties the entry amount is usually lower than for larger real estate projects.

How is my ownership legally arranged?

Every co-investment runs through a dedicated legal entity in which you hold a proportional share and corresponding rights. Structure, governance and reporting are shared in advance.

Who manages the property or project?

We coordinate the management: rental, maintenance, administration and reporting. You receive periodic updates and your share of the returns without having to handle day-to-day matters yourself.

How are joint decisions made?

All major decisions (significant expenses, renovations, rent levels, sale, refinancing) are defined in advance in the shareholders' agreement. Day-to-day management sits with us as coordinator; strategic decisions are put to the co-owners, usually by a majority pro rata to each stake, with a qualified majority for a sale or refinancing.

What if the co-owners disagree?

The shareholders' agreement sets out clear voting rules, a deadlock procedure and a dispute mechanism (mediation, and where needed a structured buy-out). This keeps decisions workable and protects the interest of the property itself.

Who handles rental, maintenance and tenant relations?

We coordinate the full operational side: tenant selection and screening, drafting the lease, rent collection, periodic maintenance, repairs, insurance, compliance certificates and annual administration. As an investor you never have to take tenant calls.

What happens in case of vacancy or a non-paying tenant?

On vacancy we actively search for a new tenant, and missed rent is absorbed by the reserve built into each dossier. For non-payment we follow a fixed protocol (reminders, formal notice, legal steps). Costs and risk are carried pro rata by the co-owners.

When and how often are distributions made?

By default we distribute the net cash flow each quarter (rent minus management fees, maintenance, insurance, taxes and an agreed reserve). A monthly or semi-annual rhythm can also be chosen per dossier. The exact rhythm is fixed in advance in the shareholders' agreement.

How is the amount of my distribution calculated?

Each quarter you receive a report with rental income, all costs and the reserves set aside. What remains is the net distribution, divided strictly pro rata. A 25% stake receives 25% of that distribution. The calculation is fully transparent and auditable.

What happens with the capital gain at sale?

On sale, any financing is repaid first, followed by transaction costs, taxes and outstanding accounts. The remaining capital gain is distributed pro rata, on the same basis as your contribution.

How are unexpected costs or major repairs settled?

Unforeseen costs (a leaking gutter, a broken boiler, urgent renovation work) are first absorbed by the reserve. If the reserve is insufficient, the additional costs are borne pro rata by the co-owners, strictly in proportion to their stake. Larger investments are put to the agreed voting procedure in advance.

What if one investor wants to sell their share?

The shareholders' agreement provides a right of first refusal for the other co-owners and a valuation method (e.g. expert valuation or an agreed formula). Only if none of them takes over can the share be offered to an external party on the same terms, subject to group approval.

What decision moments occur during the holding period?

The main decision moments are: rent review, lease renewal, major maintenance works, refinancing and the eventual sale. Each moment is planned in advance, with a substantiated proposal from us and a vote according to the agreed majority rules.

How does the exit work for a jointly owned rental property?

At the pre-agreed moment (or upon a majority decision) the property is put up for sale, typically through a broker. After repayment of any financing, transaction costs and taxes, the net proceeds including capital gain are distributed pro rata. An alternative is for one or more co-owners to buy out the remaining shares at the agreed valuation.

Co-investments are typically illiquid and entered for the duration of the proposition. Exit options are agreed per trajectory in advance in the shareholders' agreement, together with the valuation method and the procedure for take-over by the other co-owners.

What risks am I exposed to?

Co-investments carry risk of value decline, vacancy, illiquidity and partial or full capital loss. Returns are not guaranteed and past performance is no guarantee of future results.

Co-Investments

Invest together in real estate and tangible projects.

Joint Investments, Guided with Integrity

In a co-investment, several people pool their capital to buy or develop something tangible together. Think of real estate such as a rental property, or (smaller) concrete projects with a clear plan. Everything is fully interest-free: no mortgage or other loan is used, only the participants' own equity. This keeps the structure aligned with our values. You become a co-owner for the share you contribute and receive your part of the returns in proportion. We bring the investors together, set up the legal structure, handle the selection and guide the entire trajectory. You do not need to bring your own group: register independently and we will match you with people who share similar goals.

What can you co-invest in?

Rental properties (for example, three or four people jointly buying a home to rent out)
Larger real estate projects and redevelopment
Hospitality and tourism (e.g. jointly buying and letting a holiday home)
Specific real estate projects with a clear plan and transparent numbers

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Example: jointly buying a rental property

Suppose four investors buy a home together for € 300,000. Each contributes € 75,000 (25%). The property is rented out, and the net rental income is distributed monthly or quarterly in proportion: each receives 25% of the result. Maintenance, insurance and costs are paid from the same pool. When the group eventually sells the property, any gain is distributed the same way. Everything is set out in advance in a dedicated legal entity in which each investor holds their proportional share.

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The process

Registration
Matching investors
Opportunity selection
Structuring and legal set-up
Realisation, management and distribution

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Who it's for

Individuals and families who want to co-invest in something tangible without having to arrange everything themselves, with an ethical foundation and a transparent structure.

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Example scenario

Adjust the scenario yourself

Change the investors, property price, rent, costs, holding period and sale price. The pro rata distribution updates instantly.

Inputs

Property purchase price

Gross rent per month

Gross rent per year€21,600

Running costs per month

Management & coordination

Maintenance & repairs

Insurance

Property tax / levies

Reserve for vacancy & major maintenance

Total costs / month€450

Net rent / month€1,350

Net rent / quarter€4,050

Net rent / year€16,200

Contribution per investor

Name
Contribution
Name
Contribution
Name
Contribution
Name
Contribution

Name	Contribution	Share	Rent / quarter	Rent / year	Share of capital gain	Total result
Sara	€90,000	30%	€1,215	€4,860	€18,000	€56,880
Yusuf	€75,000	25%	€1,013	€4,050	€15,000	€47,400
Amira	€75,000	25%	€1,013	€4,050	€15,000	€47,400
David	€60,000	20%	€810	€3,240	€12,000	€37,920
Σ	€300,000	100%	€4,050	€16,200	€60,000	€189,600

(capital gain + cumulative net rent over the period)

On sale

Holding period until sale (years)

Sale price

Property purchase price€300,000

Total capital gain€60,000

Illustrative example. Excludes financing costs, taxation and one-off notary and registration fees. You receive a full calculation per dossier.

Benefits

What you get

Co-ownership of something tangible

Distributions in proportion to your stake

Access to larger opportunities

Professional coordination and management

Clear legal structure

Interest-free and ethically structured

Frequently asked questions

Questions about Co-Investments

Direct contact · Co-Investments

Talk to us about co-investing

Tell us briefly about your goals and investment budget. We respond within a few business days to schedule a non-binding introduction.

Ready to co-invest?

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