Stock.estate

Stock.estate is a Romanian real estate crowdfunding platform that connects investors with fixed-rate loans financing European property projects. Launched in 2024, the company describes itself as Romania's largest and fastest-growing real estate crowdfunding platform, licensed to operate across the European Union. It is authorised in Romania by the ASF (the Romanian Financial Supervisory Authority) under licence PJR28FSFPR/400002 and holds an EU passport that allows it to offer services in other member states, including Spain, France, Italy, Estonia, Belgium, the Netherlands, Denmark, Sweden, Lithuania, Portugal, Croatia, Czechia, Hungary and Slovakia. The platform lets investors participate in real estate lending campaigns from as little as €100. Each campaign sets its own fixed interest rate, term and collateral, and the platform presents the interest rate, term and security of each loan so that investors can compare opportunities before committing capital. Deposits can be made by bank transfer, card or crypto. Stock.estate emphasises that fixed rates are contractual rather than guaranteed, that capital is at risk and that liquidity is limited. By the time of the evidence, the platform reported €13.5 million invested, €5.5 million reimbursed, a 14.09% return and one default. Campaigns such as Uni-steel III illustrate the model: a 24-month loan with a progressive interest structure starting at 10–16% and a contract rate that rises as the invested amount increases. The company positions itself as building Romania's first real estate investment community and expanding access to a regulated European investment ecosystem. The team is led by CEO Vicentiu Vlad, an ex-army officer with more than 15 years in entrepreneurship; CTO Alexandru Constantin, with over 12 years in AI and software; COO Lorena Gabăr, with more than eight years in marketing and social media management; Investor Relations Specialist Bogdan Adam; Investor Growth Lead Andrei Lupu; and Legal Advisor Oana Dragomir, a business lawyer with 15 years of experience in finance, banking and technology.

Stock.estate was launched in 2024 as a Romanian real estate crowdfunding platform. According to its own about page, it set out to become Romania's largest and fastest-growing real estate crowdfunding platform and to be licensed to operate across the European Union. The platform was authorised in Romania by the ASF under licence PJR28FSFPR/400002 and obtained an EU passport allowing it to provide crowdfunding services in other member states. Its ESMA record is described as active, and the licence is active across all EU member states. Passported markets listed include Spain (CNMV), France (AMF), Italy (CONSOB), Estonia (Finantsinspektsioon), Belgium (FSMA), the Netherlands (AFM), Denmark (Finanstilsynet), Sweden (Finansinspektionen), Lithuania (Bank of Lithuania), Portugal (CMVM), Croatia (HANFA), Czechia (CNB), Hungary (MNB) and Slovakia (NBS). The company built its model around fixed-rate loans that finance European property projects. Investors can compare each loan's interest rate, term and security before investing from €100. Campaigns set their own fixed rate, term and collateral, and the platform describes a structured verification process with clearly defined terms, transparent documentation and campaign-specific security described in the project's legal documents. Deposits are supported via bank transfer, card or crypto. The platform cautions that fixed rates are contractual rather than guaranteed, that capital is at risk and that liquidity is limited. By the time of the evidence, Stock.estate reported €13.5 million invested, €5.5 million reimbursed, a 14.09% return and one default. A featured campaign, Uni-steel III, offered a 24-month term with a progressive interest structure of 10–16% and a contract rate that increases with the invested amount; for a Romanian individual investor subject to 10% tax, an example showed an annual contract rate of 11% rising to 11.25% p.a. at an investment of at least €1,250. The company states that it is building Romania's first real estate investment community and expanding access to a regulated European investment ecosystem. The leadership team combines entrepreneurship, technology, marketing, sales and legal experience. CEO Vicentiu Vlad is described as an ex-army officer with more than 15 years in entrepreneurship. CTO Alexandru Constantin has over 12 years in AI and software and was CTO/co-founder in previous startups. COO Lorena Gabăr has more than eight years in marketing and social media management. Investor Relations Specialist Bogdan Adam has over 10 years in sales and customer service, Investor Growth Lead Andrei Lupu has more than 15 years in digital advertising and growth, and Legal Advisor Oana Dragomir is a business lawyer with 15 years of experience in finance, banking and technology.

• 2024

  Stock.estate launched as a Romanian real estate crowdfunding platform.

• Authorised in Romania by the ASF under licence PJR28FSFPR/400002 and passported across the EU.

• Reported €13.5 million invested, €5.5 million reimbursed, 14.09% return and one default.

Regulated EU real estate crowdfunding platform offering fixed-rate property loans from €100.

• Uni-steel III

  A 24-month real estate loan campaign with a progressive interest structure of 10–16% and a contract rate that increases with the invested amount.

1. 1European Real Estate Crowdfunding Platform | Stock.estatestock.estate
2. 2About - stock.estatestock.estate
3. 3Stockestate Crowdfunding - Wikidatawikidata.org