What Look&Fin does

Look&Fin is a Belgian crowdlending platform founded in 2012 that connects small and medium-sized enterprises seeking debt financing with retail and professional individual investors. Since obtaining PSFP authorization from the FSMA in June 2023 under EU Regulation 2020/1503, the platform operates under a regulated European crowdfunding license, with the head office in Brussels and a French subsidiary in Paris. The platform supports three core loan formats — Capital Assuré with Atradius credit insurance, Capital Garanti with PMV regional guarantee coverage, and a direct-lending format offering regional tax incentives — and has expanded into ACP co-ownership financing for Belgian real estate. Look&Fin's technology stack consists of a web-based application hosted across AWS, Heroku, and OVH, with segregated compartment accounting, dual-signature escrow, and operational integrations to banking and payment partners including Belfius, iBanFirst, and Scriven.

The platform monetizes by charging fees to the project carriers (borrowers) on arranged financings rather than by taking balance-sheet credit risk directly, although the Lookandfin Finance SA subsidiary enables intermediated lending activity. Minimum investor tickets begin at €100, and the disclosed investor return range of 4.25%–7.5% is anchored to the risk class assigned to each project. To date, Look&Fin has facilitated €442M in cumulative loans to 777 SMEs, supported by approximately 30 employees across the Belgian and French operations.

Look&Fin self-positions as Belgium's market-leading SME crowdlending platform and is a founding member of Fintech Belgium. Its competitive posture is built on early regulatory recognition, partnerships with public and private credit-enhancement providers (PMV, Atradius), and a long historical track record of completed SME financings across real estate, hospitality, retail, and other sectors. No external funding rounds, acquisitions, or material leadership changes are disclosed in the source material, and the company has operated as a bootstrapped, profitable-by-implication entity since inception.

Name

Look&Fin

Legal name

LookandFin SA

Website

https://lookandfin.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Look&Fin is a Belgium-headquartered, FSMA-licensed European crowdlending platform that, since 2012, has matched SME borrowers (777 financed to date, €442M cumulative) with retail and professional investors through insured, guaranteed, and direct loan formats, with operations now also in Paris.

Ownership category

akta.pro rank

Product category

Crowdlending / Peer-to-Peer Business Lending

NAICS

Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industry

Equipment & Asset Finance (SME) (FSAKAGAF)

Keywords

• Crowdlending platform
• SME business lending
• Peer-to-peer lending
• Real estate crowdfunding
• Alternative finance marketplace

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Platform Commission on Fundraisings: Look&Fin charges project carriers (borrowers) for facilitating financing. The platform is free for investors - 100% of their investment amount is deployed. Fees may include arrangement fees, commitment fees, or ongoing servicing fees paid by project carriers.
2. Financing Vehicle Intermediation (Lookandfin Finance): Lookandfin Finance acts as a special purpose vehicle (SPV) interposed between investors and project carriers for Assured and Standard fundraisings. The spread between investor returns and borrower rates represents revenue. Costs for legal, enforcement, and insurance are passed through to investors proportionally in case of default.
3. Direct Fundraising Facilitation: For Direct fundraisings (Levées de fonds Directes), Look&Fin facilitates loans directly between investors and project carriers, earning facilitation fees while the vehicle does not intervene in repayment.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Look&Fin operates a licensed crowdlending platform that connects individual investors with small and medium enterprises (SMEs) seeking financing for real estate and business projects. Through three fundraising structures — Assured (Atradius-insured), Standard (optionally PMV-guaranteed), and Direct (tax-advantaged direct loans) — alongside specialized ACP co-ownership financing, investors earn 4.25% to 7.5% gross annual interest on tickets from €100, while SMEs gain bank-alternative funding backed by collateral, insurance, and segregated compartment accounting.

Product overview

Look&Fin operates a unified crowdlending platform (Plateforme de Financement Participatif) that serves as a licensed PSFP (Prestataire de Services de Financement Participatif). The platform connects investors seeking regular real estate-backed income (4.25%–7.5% gross per year, starting from €100) with SME project promoters, primarily in France and Belgium. It offers three financing instruments — Levée de fonds Assurée (with Atradius capital insurance), Levée de fonds Standard (with optional PMV regional guarantee), and Levée de fonds Directe (with potential regional tax incentives) — plus specialized ACP (co-ownership) financing for energy efficiency renovations. All investments benefit from rigorous project selection, mortgage or fiduciary security, and a 4-day cooling-off period for non-professional investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Crowdlending Platform (Plateforme de Financement Participatif) Licensed PSFP (Prestataire de Services de Financement Participatif) platform connecting investors with SME project promoters through real estate and business financing. Offers direct lending (Levée de fonds Directe) and intermediated lending (Assured and Standard Fundraisings) with returns of 4.25% to 7.5% gross per year, secured by mortgage, insurance, or fiduciary guarantees.
• Levée de fonds Assurée (Assured Fundraising) Investment instrument issued via Lookandfin Finance benefiting from 100% capital insurance (Capital Assuré label) underwritten by Atradius. Protects investors against project promoter default, bankruptcy, or insolvency proceedings.
• Levée de fonds Standard (Standard Fundraising) Investment instrument issued via Lookandfin Finance without insurance coverage but potentially benefiting from PMV regional guarantees for Flemish Region projects. Investors become creditors of Lookandfin Finance with segregated compartment protection.
• Levée de fonds Directe (Direct Fundraising) Direct loan contracts between investors and project promoters, without Lookandfin Finance intermediation. Offers potential regional tax advantages in the Brussels-Capital, Walloon, or Flemish Region. Investors are direct creditors of the project promoter; interest rates are constrained between 2.625% and 5.25% by 2023 regional fiscal legislation.
• Copropriété / ACP Financing Specialized financing solution for co-ownership associations (Associations de Copropriétaires / ACP) undertaking energy efficiency renovations. Part of the Energy Efficiency Financing team activities, supporting decarbonization of buildings per the European Energy Efficiency Directive, with funds disbursed via a dual-signature centralizing account at iBanFirst.
• Real Estate Project Financing Financing for real estate professionals including property developer financing (promotion immobilière), property trader operations (marchand de biens), and asset refinancing. Features mortgage security, LTV ratios, and fiducie-sûreté guarantees, with projects primarily in France and Belgium.

Quantifiable outcome

• 777 PME borrowers funded, €442 million total financing facilitated since founding in 2012
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• FSMA (Financial Services and Markets Authority)coreOthers · 6 June 2023Regulatory authority that granted Look&Fin its PSFP (Prestataire de Services de Financement Participatif) license under EU Regulation 2020/1503. The license permits Look&Fin to operate as a European crowdfunding service provider, enabling cross-border operations within the EU. FSMA supervises compliance with investor protection, transparency, and risk management requirements.
• PMV (PMV-Standaardwaarborgen NV)coreOthersPMV is a Flemish Region entity providing guarantees (up to 75% of unpaid capital and interest, capped at €1,250,000) for certain Standard fundraisings where project carriers have operating facilities in the Flemish Region. Guarantee applies to bankruptcies, judicial reorganizations, and payment defaults. Lookandfin Finance pays a premium to PMV, typically passed to project carriers.
• AtradiuscoreOthersCredit insurance company partnered with Lookandfin Finance for the 'Capital Assuré' (Assured Capital) label. In case of project carrier default (2+ missed payments, bankruptcy, etc.), Atradius indemnifies Lookandfin Finance up to full outstanding capital. Coverage includes Belgian, French, and Luxembourgish project carrier scenarios with specific triggers per jurisdiction.
• Belfius BankcoreTechnology or IntegrationBelfius acts as the banking partner for Direct fundraisings (Levées de fonds Directes). Project carriers open dedicated payment accounts with Belfius, with funds blocked until suspensive conditions are met. Belfius executes irrevocable SEPA direct debit mandates for repayment collections from project carriers and handles automated investor payment distributions.
• Fintech BelgiumminorOthersIndustry association for Belgian fintech companies. Look&Fin is a founding member, participating in industry advocacy, networking, and regulatory dialogue.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mintos: Latvia-based P2P lending marketplace originating loans across multiple European countries and asset classes. Comparable marketplace model but with broader geographic and product scope than Look&Fin.
• Younited Credit: Major French consumer and SME lending platform with pan-European ambitions and institutional backing. Overlaps on SME crowdlending and PSFP licensing but operates at significantly larger scale.

Direct peers

• Raizers: French real estate crowdfunding platform focused on property-backed lending to developers and asset refinancing — closely aligned with Look&Fin's core real estate SME lending book.
• Lendix (October sister-brand pre-merger): Originally French SME crowdlending platform (now consolidated into October), targeting the same SME and individual investor segments in France and continental Europe.
• Pret d'Union: French crowdlending platform historically focused on consumer and SME lending with retail investor base — comparable platform mechanics and target customer profile.
• WiSEED: French crowdfunding platform offering equity, loan, and revenue-based financing to European SMEs and real estate projects — overlapping product mix and continental European distribution.
• October (formerly Lendopolis): France-based crowdlending platform for SMEs also operating as a licensed PSFP under EU Regulation 2020/1503. Most directly comparable on regulatory model, customer base (European SMEs), and product mix.
• EstateGuru: European real estate crowdfunding marketplace operating in the Baltics, Germany, and other EU countries — comparable asset-backed lending focus with cross-border EU distribution.
• Housers: Spanish real estate crowdfunding platform serving retail investors across southern Europe with property-backed yield products — comparable model to Look&Fin's real estate-focused tranches.

Regional players

• Spreds: Belgian crowdfunding platform offering equity and debt investments to Belgian SMEs — direct Belgian market overlap and most relevant local competitor for SME fundraising flows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/lookandfin
• Facebookfacebook.com/lookandfin
• LinkedInlinkedin.com/company/2619623
• Instagraminstagram.com/lookandfin

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Look&Fin