Superb investment solution
Superb investment solution, reliable and profitable, with a very attractive return/risk ratio!
Excellent
Trustpilot
Trustpilot
Savings (finally) backed by a tangible asset: premium professional furniture
Earn monthly income from our pooled, professionally managed premium furniture portfolio
Investing carries a risk of capital loss. Past performance is not a guarantee of future performance.
Since2020
180clients across 7 countries
€19.8Munder management
8%average yield
Inspired by REITs, backed by premium business furniture
We lease premium furniture to businesses on long-term contracts. This rental furniture portfolio generates a 25% net yield for us. By funding it, you earn interest every month, paid directly from the rent. Your capital is backed by real assets: the furniture and the rental contracts.
I want to invest:
€
Choose my exit window
** Net rate before tax
Estimated gain
+0€
Monthly gain
0€/month
Total at maturity
0€
Repayment on
—
€15M under management · 4,300 investors · €2.7M already repaid · Assets pledged with a 30% protective margin
*If Enky were to fail, repayment of your capital relies on our legal securities (lien and pledge).
Companies that lease furniture from us
Real assets behind every euro invested
Essential, every day
Offices, hotels, restaurants: furniture is a non-substitutable working infrastructure for businesses, treated as an unavoidable cost, which explains why client defaults are particularly rare.
Built to last
European premium furniture designed to endure, repairable, with a deep secondary market. A physical asset that holds up over time while retaining excellent market value.
Near-zero vacancy
Easily transported, repaired and reallocated from one business to another. When a client leaves, the furniture is relet within an average of 2 months.
Strong structural profitability
Bought at wholesale prices, relet at full value over multiple cycles. The acquisition margin creates a reserve that covers unforeseen events.
Decoupled from financial markets
Demand is largely insensitive to economic conditions, with no price speculation.
Holds its value over time
Amid rising material costs, furniture acts as a natural hedge against inflation.
A productive, pooled and managed portfolio
You're not investing in a single, isolated project. You're funding a whole furniture portfolio, managed as a rental asset.
Active portfolio management by Enky
Enky handles sourcing, leasing, reconditioning and reletting of the furniture. You receive interest generated from our returns. No operational management on your part.
Full risk pooling
We absorb any client defaults, so you keep receiving your contractual coupon without interruption.*
Natural portfolio diversification
Offices, hotels, restaurants, furnished rental residences: the portfolio spans a range of sectors and client profiles across Europe. A single unpaid bill doesn't threaten the whole.
Also
the advance-purchase mechanism. To streamline our rollouts and buy on the best terms, we hold a share of furniture purchased ahead of need. This mechanism directly boosts the profitability of the whole portfolio.
Our numbers
195
Projects deployed
7
Countries
20M€
Value of assets under management
25%
Net rental yield
*except in the event of Enky's failure. Find out more about the risks.
How it works
Choose your amount and your exit window
From 12 to 48 months, starting at €500.
Your savings enter the Enky Revenu pool
Backed by a pooled furniture portfolio and signed rental contracts with businesses.
You earn interest every month
Capital repaid at maturity, automatically renewable.
€500
Minimum ticket
0%
Entry, management and exit fees
DIS filed · AMF
Regulatory framework
PFU or corporation tax
Taxation
Individuals or legal entities
Eligibility
Enky Invest in numbers
€19.8M
Total raised
€3M
Returned to investors
0%
Default and late payment rate
6,000
Investors
How your savings are protected
Risk management
Full risk pooling
In the event of non-payment, managing the fleet as a pooled portfolio allows Enky to absorb the default, relet the furniture and keep paying your coupon. No exposure to any single client.
A built-in economic margin
Our acquisition margin creates a natural value reserve to absorb setbacks.
A model designed to protect you
30% security reserve
Your investment is backed by real assets (furniture and signed rental contracts) with a 30% safety margin: for every €0.70 invested, there's €1 of collateral.
2 protective contracts: pledge & lien
Rental contracts are pledged, and the furniture is put in lien. Two enforceable legal securities in favour of the investment vehicle.
By investing, you're funding the circular economy
Investing in our projects also means funding the real, circular economy. Furniture is chosen for its durability, natural materials and proximity to the place of manufacture. At the end of a contract, it isn't discarded: we recover it, recondition it and put it back into rental. Thanks to our model, it's used on average 5 times longer.
Share of second-hand furniture
15%
vintage or reconditioned
Reduction in CO₂ emissions
-70%
compared to a linear purchase
CO2 avoided
1,900T
Create an account
Investing carries risks, including the risk of capital loss.
They trust us
Excellent
Trustpilot
An excellent diversification solution
A clear market, perfect for diversifying your savings. A friendly, responsive team. A simple platform with regular transactions. Capital guarantees and monthly interest payments: what more could you ask for?
Satisfying experience
Recent experience, and so far I'm satisfied. The team responded quickly when I had a question, and I received my first repayment instalment as expected.
A team ready to help with your needs
Etienne
Head of Investor Relations
Thomas
Head of Investments
Laura
Investor Marketing Manager
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FAQs
Find answers to your most pressing questions about our Furniture as a Service offering.
Check all FAQsWho operates the Enky Invest platform?
Enky Invest is operated by Enky, a company specialised in furniture leasing for businesses. The platform operates under a regulatory framework with a DIS filed with the AMF. Our team — including investment managers, furniture operations specialists, and investor relations advisers — manages the full lifecycle of your investment, from deployment to repayment.
What are the risks of bond investing?
Unlike crowdfunding platforms, Enky bears 100% of the project risk. If the tenant defaults, we find a new one without interrupting interest payments or your capital will be refunded. If Enky itself were to default, there are two additional layers of capital protection.
How is my capital held?
Your capital is held in a dedicated payment account, ring-fenced from Enky's operational accounts. It is directly backed by real assets — premium furniture and signed rental contracts — with a 30% security margin built in.
Two legal protections are activated in the investment vehicle's favour: a pledge on the rental contracts and a lien on the furniture itself. These allow for recourse even in the event of Enky's default.
What tax rules apply to my income?
The interest rates on Enky Invest are shown gross (before tax).
Individuals:
- French tax residents: Interest is taxed at a flat rate of 30%, withheld at source and pre-filled in your tax return. If you are on the progressive tax scale, send us a sworn statement and we will pay you the gross interest.
- Non-French residents: No withholding tax. Declare according to your local rules.
Companies:
Interest is treated as income and subject to corporate or income tax, depending on your legal status.
Every January, Enky issues a tax summary to help you complete your declaration. For personalised advice, consult a tax professional.
How do I get my capital back at maturity?
Interest is paid monthly. Most projects repay the capital at maturity, meaning at the end of the project.
Some leasing-type projects have monthly capital repayment, meaning each month along with the interest.