Invest in sustainable furniture.

Enky is a subscription-based furnishing solution for businesses combined with a participatory investment model.

Our subscribers get to furnish their spaces without heavy investment and enjoy more flexibility for their changing needs.At the same time, investors can acquire the furniture leased, and receive a share of the generated revenue.

As a result we prolong the furniture’s lifespan by maximising usage between multiple users. This helps us accomplish our mission to make furniture consumption more sustainable!

No, there are no entrance fees involved. When you choose to invest with us, you can do so without worrying without any additional upfront costs or entrance fees. Our goal is to make the investment process as accessible and straightforward as possible for all our investors.

The duration of your investment is directly linked to the length of the customer contract, with a minimum commitment period of 12 months. It's important to note that a longer investment duration correlates with a greater potential for Return on Investment.

The minimum amount required to start investing is 500€. This threshold is set to ensure accessibility for a wide range of investors, allowing you to begin your investment journey with a manageable amount.

Your Return on Investment (ROI) depends on the specific project you choose to invest in. Generally, the ROI varies between 6% and 8%. It's important to note that a longer investment duration correlates with a greater potential for Return on Investment. This means that selecting projects with longer investment periods can lead to more substantial returns. However, as with any investment, it's crucial to consider your individual financial goals and risk tolerance when making your choice.

Your monthly payout is calculated based on each individual investment slice you make. This means that each separate investment you make is treated independently for the purpose of calculating payouts.

For example, if you invest 1000€ in Project A, then 3000€ in Project A again three days later, and 2000€ in Project B, you will receive three distinct monthly payouts. This is because you have made three separate investments, even though two of them are in the same project (Project A).

The monthly payout for each investment slice consists of two components: the reimbursement of the capital and the interest earned. Therefore, each payout you receive will be a sum of these two parts, calculated separately for each investment slice you have made.

To diversify your portfolio, you can choose different or multiple projects on My.Enky Invest App. This approach allows you to spread your investments across various projects, reducing risk and potentially increasing your chances for better returns. By not putting all your investments in a single project, you can balance your portfolio and take advantage of different investment opportunities available on the platform.

No, you cannot pass on your investment to someone else. Investments made through our platform are nominative, meaning they are registered in the name of the original investor and cannot be transferred to another individual. This policy ensures clarity and security in the investment process and maintains the integrity of the investment agreements.

The tax treatment of your Enky investments depends on whether you are a private or professional investor:

‍Private Investors (Private Persons):

‍The interest rates shown on the My.Enky Invest App are gross interest rates, which do not include tax deductions.

- For Belgian tax residents who are natural persons, a withholding tax of 30% is applicable. This rate is consistent regardless of the investor's or project sponsor's nationality.

- For non-Belgian tax residents, the final taxation on their investments will depend on the tax laws of their country of residence. A withholding tax of 30% may be applied to their loans, subject to the specific legislation in their country.

‍Professional Investors (Business):

‍Investors who are investing through a company are not subject to withholding tax on the interest they receive. However, this interest is considered part of the company's income and is therefore subject to corporation tax according to the relevant tax laws.

It's important for investors to understand these tax implications and consider them when calculating their net returns from investments made through Enky. For specific tax advice, it's always recommended to consult with a tax professional or advisor who is familiar with your personal or business tax situation.

We ensure that your personal information remains confidential and will be only used within a legal framework.

Your investment commitment is based on the duration you chose when you made your initial investment. This means that your funds are invested in the project for the duration you chose when you selected a project at first. It is important to note that there is no possibility of early withdrawal. This structure is designed to ensure the consistency and reliability of the investment for all parties involved.

In the unfortunate event of an Enky user becoming insolvent, we have implemented protective measures for your investment. We assure you that the monthly rent will continue to be disbursed to you, the investor, as initially agreed. Furthermore, we are committed to securing an alternative contract for your investment within a 6-month period, ensuring that your returns remain stable despite potential challenges.

In the rare circumstance where Enky is unable to secure another contract within this timeframe, we have a policy in place to reimburse you for your capital.

If a customer decides to reduce the rental period, Enky takes proactive steps to ensure the continuity of your investment. In such a scenario, the current contract is replaced with another one. During this transition, Enky will continue to pay out the monthly rent to you, the investor, as per the original agreement.

Furthermore, Enky commits to securing another contract for the investment within a 6-month timeframe. This commitment is part of our effort to maintain steady returns for our investors even in the event of changes in rental agreements.

In the rare instance where Enky is unable to secure another contract within the specified 6 months, you, as the investor, will be reimbursed for your capital. This policy is in place to protect your investment and provide peace of mind regarding the security of your funds.

In the unlikely event that the furnitures placed in the project you invested in disappear, Enky has a policy in place to replace it. This means that as an investor, you will not be impacted by this occurrence. Our priority is to ensure the continuity and stability of your investment, so we take immediate action to address such situations without any negative effect on your investment returns or portfolio. This replacement policy is part of our commitment to safeguarding your investments and maintaining trust in our platform.

If the furnitures placed in the project you have invested in gets damaged, Enky will take responsibility for either repairing or replacing it. This action is taken to ensure that your investment remains secure and unaffected. As an investor, you will not experience any impact from this occurrence. Our commitment is to maintain the integrity and continuity of your investment, so we handle all aspects of repair or replacement as needed. This approach is part of our dedication to protecting your investments and providing a reliable and trustworthy investment experience on our platform.

Your capital is always guaranteed. In the unfortunate event of an Enky user becoming insolvent, we have implemented protective measures for your investment. We assure you that the monthly rent will continue to be disbursed to you, the investor, as initially agreed. Furthermore, we are committed to securing an alternative contract for your investment within a 6-month period, ensuring that your returns remain stable despite potential challenges.In the rare circumstance where Enky is unable to secure another contract within this timeframe, we have a policy in place to reimburse you for your capital.

To invest with Enky, we accept the following payment methods:

SEPA Bank Transfer: You can use a SEPA (Single Euro Payments Area) bank transfer to conveniently and securely transfer funds from your bank account to your Enky investment account.

SEPA Direct Debit: This option allows for an automatic debit from your bank account, making the investment process seamless and hassle-free.

Both of these payment methods can be easily executed directly through the My.Enky Invest App, ensuring a smooth and efficient investment process. These methods are designed to provide both security and convenience, aligning with our commitment to offering a user-friendly investment experience.

The process is simple. On the right hand of your account on My.Enky Invest, clic on the REFERRAL call to action. You will find a personal link, to share to your friends.

Each time a referral creates an account thanks to your link, they receive €100 credit, which increases according to the following investment tiers:
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- €100 for an investment between €500 and €2000.
- €200 for an investment between €2000 and €5000.
- €300 for an investment of over €5000.

Once your referral's investment is completed, you also receive €100 credit to invest according to the same tiers!

No. If you have several credits from different referrals to use, you will only be able to use those credits one by one. They are not cumulative, but their value increases depending on the amount of the investment you make:
- €100 for investments from €500 to €2000
- €200 for investments from €2000 to €5000
- €300 for investments of over €5000.