Enky Revenu: circular, pan-European furniture investment
Access a portfolio of premium professional furniture spread across 7 European countries.
Investing carries a risk of capital loss. Past performance is not a guarantee of future performance.
The pillars of our strategy
Professional furniture: an intrinsically profitable asset that, unlike buy-to-let property, doesn't suffer from void periods or unpaid rent. If a tenant defaults, the furniture can be easily repossessed, moved and reallocated, offering great flexibility.
At Enky, we've built unique in-house expertise in selecting professional furniture. We know how to identify pieces that are robust, easy to repair and aligned with market trends. This approach allows us to build an underlying asset base that not only withstands inflation but even gains value over time.
We invest in furniture spanning 3 major sectors, for businesses of all sizes. Our presence across 7 different countries also gives us valuable geographical diversification.
Our strength lies in our unique position across the whole professional furniture value chain. As a distributor, we buy at wholesale prices and generate value from each item over multiple rental cycles. Finally, we recondition the furniture in-house to optimise its value before reselling it at the best price. This end-to-end control is at the heart of our strategy.
The Enky Revenu portfolio
A diversified, transparent, verifiable portfolio
Breakdown by country
Breakdown by sector
Discover Enky Revenu's performance
Since its launch in 2024, Enky Revenu has paid monthly interest to its investors.
Gross monthly returns paid
In euros, per quarter since launch
Past performance is not a guarantee of future performance.
The brands behind your investment
Our clients have access to over a million pieces of professional furniture. Every brand in our catalogue has been chosen for its outstanding design and durability: sturdy materials, built to last, whether new or second-hand.
Companies deploying their furniture with Enky
More return on your investment
No fees erode your returns. €500 invested = €500 at work.
I want to invest:
Choose my exit window
** Net rate before tax
Estimated gain
+0€
€16M under management · 6,000 investors · €3M already repaid · 30% over-collateralisation
*If Enky were to fail, repayment of your capital relies on our legal securities (lien and pledge).
Pricing built for performance
€0 in fees: no entry, management or exit fees
100% of your capital works for you, from the very first euro.
Entry fees
€500 invested = €500 at work
Management fees
No annual charge on your capital
Exit fees
No penalty at maturity
At Enky, we're remunerated through the operating margin of our rental business.
At Enky, we're upfront about the risks
Investing in Enky Revenu carries risks. We favour transparency over omission.
Your capital is locked in until the chosen term (12, 24 or 36 months). There is no secondary market for these bonds.
If Enky were to fail, full repayment of your capital is not guaranteed.
A model designed to protect you
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.
Our acquisition margin creates a natural value reserve to absorb setbacks.
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.
Rental contracts are pledged, and the furniture is put in lien. Two enforceable legal securities in favour of the investment vehicle.
Advisers ready to help
Our advisers offer tailored support to align your investment plans with your goals.
- A team of experts on hand
- 6,000 investors trust us
- 100% online subscription
Ready to invest with Enky?
Simple, fast online subscription. 0 fees.
Investing in Enky Revenu carries a risk of partial or total capital loss. Interest is not guaranteed and depends on Enky's ability to meet its commitments. This document is provided for information purposes only and does not constitute investment advice. Past performance is not a guarantee of future performance.
FAQs
Find answers to your most pressing questions about our Invest offering.
Check all FAQsWhat is Enky Invest?
Enky Invest is our crowdlending platform that allows you to finance our furniture and earn a share of the income it generates.
It's a means for Enky to finance the stock we need to operate, and an opportunity for you to earn a competitive return while financing a more circular economy.
Is Enky Invest comparable to a fractional real estate investment platform?
The two systems are similar, but we operate without the risks of the real estate sector.
- Investors co-finance the purchasing of an asset and receive a share of the rental income. But unlike real estate, there are no permit requirements, renovation works, or speculative risks involved.
- Furniture is an essential work tool for our clients, so the risk of default is negligible compared to real estate.
- We only select pieces that can be refurbished and used for many years. Rising raw material prices and inflation means the value of these assets also tends to remain stable.
Why should I invest with Enky?
Returns: between 7–9% annually, paid monthly.
Capital protection: multiple layers of safeguarding, even in the event of Enky's default.
Sustainable and transparent: directly finance the circular economy.
How does Enky Invest generate such high interest returns?
By choosing high-quality furniture, extending its lifespan, and ensuring maximum usage, we achieve optimal profitability.
- Purchase margin: We buy at 50% of market value on average
- Service margin: Clients also pay for services including logistics, maintenance, and damage cover
This generates a good profit margin with each project, allowing us to fairly reward our investors.
Do I qualify to be an investor?
Yes — our only requirement is a minimum investment of €500.
Are there any risks involved?
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.
When will I receive interest and capital repayment?
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.
How do I calculate tax on my Enky investments?
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 referrals on Enky Invest work?
Click 'referral' in your Enky Invest account to find your personal link and share it with friends.
When someone registers through your link, they receive:
- €100 credit for investing €500–€2,000
- €200 credit for investing €2,000–€5,000
- €300 credit for investing over €5,000
Once their investment is completed, you'll also receive credit of the same value.