WinWinner
WinWinner is a Belgian crowdfunding platform founded in 2014 that operates a marketplace connecting Belgian retail investors with SMEs seeking growth capital through three subordinated loan products.
- Company typePrivate
- Founded2015
- HeadquartersGhent, Belgium
- Headcount1–10
- GTM typeB2B and B2C
- OfferingDigital Commerce or Content
What WinWinner does
WinWinner is a Belgian crowdfunding platform founded in 2014, headquartered in Ghent, Belgium. The company operates a digital crowdlending marketplace that connects Belgian retail investors—both individuals and companies (vennootschappen)—with SMEs seeking growth capital. The platform offers three distinct subordinated loan products tailored to different Belgian investor segments: Crowdlending (standard subordinated loans with 8-10% annual interest rates, 1-5 year terms, and minimum investments of €500), Winwinlening (Flemish subordinated loans with 4.50% annual interest, 5-year terms, and up to 4% tax credit for Flemish residents), and Proxilening (Brussels subordinated loans with 4% interest, 5-year terms, and 2.5% tax credit for Brussels residents). The platform screens projects before listing them for investors and facilitates loan documentation, investment processing, and loan management. Maximum loan amounts vary by product: €5M for Crowdlending, €75,000 for Winwinlening, and €200,000 for Proxilening per project.
The platform operates on a matchmaking model, with WinWinner earning fees by facilitating subordinated loan transactions between investors and SMEs. Investors can browse campaigns and invest online, while SMEs apply for financing through screening processes. The platform's business model focuses on connecting Belgian investors with idle savings seeking better returns (4.5-10% annually) to ambitious SMEs needing growth capital, with potential tax benefits through government-supported loan structures. WinWinner has been operating for nearly 10 years and is licensed as a European crowdfunding service provider, enabling it to operate under EU regulations.
WinWinner has facilitated over €80 million in financing for more than 500 SMEs, serving over 19,000 Belgian investors. The company employs 1-10 people and focuses exclusively on the Belgian market. Success stories include Brouwerij De Halve Maan raising €2 million in 24 hours, KEPLER raising €800,000 in 1 hour, and Protex Healthcare raising €600,000 for sustainable innovation, demonstrating the platform's ability to facilitate significant financing rounds for Belgian SMEs.
WinWinner firmographics
Firmographics- Name
- WinWinner
- Legal name
- Winwinner Crowd BV
- Website
- https://winwinner.be
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- WinWinner is a Belgian crowdfunding platform founded in 2014 that operates a marketplace connecting Belgian retail investors with SMEs seeking growth capital through three subordinated loan products.
- Ownership category
- akta.pro rank
WinWinner industry classification
Industry- Product category
- Crowdlending Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)
Keywords
Where WinWinner is headquartered
LocationHeadquarters
- HQ city
- Ghent
- HQ country
- Belgium
- HQ region
- Europe
Offices1 record
Markets served
WinWinner business model
Business model- GTM type
- B2B and B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Platform facilitation fees: Winwinner earns fees by facilitating subordinated loan transactions between investors and businesses. The platform matches investors seeking yield with SMEs seeking growth capital.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Crowdlending: 8-10% gross annual interest, no tax benefit, 1-5 year term, €500 min - €5M max loan |
| Other | Annual | Winwinlening: 4.5% gross annual interest, 2.5-4% tax credit, 5 year term, €2,500-€75,000 investment |
| Other | Annual | Proxilening: Tax credit eligible, €2,500-€50,000 investment range, €200,000 max loan |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
WinWinner product offering
Product offeringCore offering
WinWinner is a Belgian online crowdlending marketplace that connects Belgian retail and corporate investors with SMEs seeking growth capital. The platform facilitates subordinated loans (crowdlening, winwinlening, and proxilening) with returns of 4.5-10% annually, screens project listings, and manages investment processing.
Product overview
WinWinner is a Belgian crowdlending platform that serves as a marketplace connecting investors with dormant savings to ambitious SMEs (small and medium enterprises) seeking growth financing. The platform offers three distinct subordinate loan products: Crowdlening (standard loans for Belgian individuals/companies with 8-10% returns), Winwinlening (Flemish loans with 4.50% returns plus tax benefits up to 4%), and Proxilening (Brussels loans). The platform screens projects, facilitates investment from €500 minimum, and offers up to 10% annual returns. Entrepreneurs can access financing up to €5 million through the crowdlening product. The platform has facilitated over €80 million for more than 500 SMEs and serves over 19,000 Belgian investors.
Differentiator
Problem solved
Functional benefit
Products and services
- Crowdlening Standard subordinate loan product allowing Belgian individuals or companies to invest in SMEs, with 8-10% annual interest rates, 1-5 year terms, and minimum investment starting at €500. Maximum loan per project up to €5,000,000.
- Winwinlening Flemish subordinate loan product with tax benefits for Flemish residents, offering 4.50% annual interest rate, 5-year term, investment range of €2,500-€75,000, maximum loan of €300,000 per project, and up to 4% tax credit for the first 3 years.
- Proxilening Subordinate loan product for Brussels residents, offering 4% tax credit (first 3 years) and 2.5% (remaining years), investment range of €2,500-€50,000, and maximum loan of €200,000 per project.
- WinWinner Debt Fund (with Truncus) Managed debt investment fund launched in partnership with Truncus, expanding WinWinner's offering beyond individual project-based crowdlending to include pooled fund investments for investors.
- WinWinner Crowdlending Platform Digital crowdfunding marketplace platform that connects Belgian retail and corporate investors with SMEs seeking growth financing through screened subordinated loan projects. Platform handles project screening, documentation, investment processing, and loan management.
Quantifiable outcome
- More than 9 out of 10 businesses reach their funding target within an average of 1 month
- +2 more outcomes
Companies that use WinWinner
Customer profileNamed customers14 records
Segments3 records
Ideal customer profiles3 records
WinWinner technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
WinWinner partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- TruncuscoreWinwinner launched a debt fund together with Truncus, expanding their product offering beyond individual project-based lending to include managed fund investments.
- EurocrowdminorWinwinner is a platform member of Eurocrowd, the European umbrella organization for crowdfunding and alternative finance, providing credibility and industry best practice alignment.
Scale indicators6 records
Recent moves5 records
Expansion highlights3 records
WinWinner competitors and assessment
Company assessmentDirect peers
- Bolero Crowdinvesting: Bolero Crowdinvesting is a Belgian crowdfunding platform operated by KBC Securities, offering similar SME financing and equity crowdfunding products. It directly competes with WinWinner in the Belgian market and benefits from KBC's larger distribution.
- Look&Fin: Look&Fin is a Belgian crowdlending platform focused on SME financing with similar investor base and product structure to WinWinner. It operates in the same Belgian market and competes directly for both SMEs seeking capital and retail investors.
- BeeBonds: BeeBonds is a Belgian crowdfunding platform offering subordinated loans and bonds for SMEs, directly comparable to WinWinner's core offering. Both serve Belgian investors and SMEs with similar loan structures.
- Spreds: Spreds is a Belgian equity and lending crowdfunding platform regulated by the FSMA. It overlaps with WinWinner in SME financing, although Spreds has a stronger equity crowdfunding orientation.
- October (formerly Lendix): October is a French-origin pan-European P2P lending platform for SMEs, operating across multiple EU countries under the ECSP regulation. It is directly comparable to WinWinner's marketplace model and offers a model for EU expansion.
- Lendahand: Lendahand is a Dutch-origin crowdlending platform connecting European investors with SMEs and emerging market businesses. It shares WinWinner's marketplace model and operates under similar EU regulatory frameworks.
- Ecco Nova: Ecco Nova is a French crowdfunding platform focused on SME financing and real estate projects. It shares WinWinner's two-sided marketplace structure and subordinated loan products targeting European retail investors.
- Companisto: Companisto is a German equity and lending crowdfunding platform with ECSP licensing. It operates a similar investor marketplace model and competes in adjacent European geographies, providing a comparable peer for cross-border expansion strategy.
Broad incumbents
- Funding Circle: Funding Circle is a large UK-headquartered P2P lending platform for SMEs with pan-European operations. It is a broad incumbent in the marketplace lending space, operating at much larger scale than WinWinner but offering comparable core products.
Regional players
- MeDirect Bank: MeDirect is a Belgian digital bank offering alternative investment products including crowdlending exposures. It competes with WinWinner on the investor side for Belgian retail savings seeking alternative yield, though it does not originate SME loans directly.
Market position
Strengths5 records
Weaknesses5 records
Key risks6 records
Key highlights6 records
Customer concentration
WinWinner social profiles
Digital presenceWinWinner financial estimates
Financial estimateRevenue estimate
Valuation estimate
WinWinner leadership team
Management profileNumber of profiles
Profiles3 records
WinWinner funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WinWinner M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WinWinner
What does WinWinner do?
WinWinner is a Belgian online crowdlending marketplace that connects Belgian retail and corporate investors with SMEs seeking growth capital. The platform facilitates subordinated loans (crowdlening, winwinlening, and proxilening) with returns of 4.5-10% annually, screens project listings, and manages investment processing.
Is WinWinner a public or private company?
WinWinner is a private company. It is classified as venture growth investor backed and is currently operating.
When was WinWinner founded?
WinWinner was founded in 2015. It employs 1 to 10 people.
Where is WinWinner based?
WinWinner is headquartered in Ghent, Belgium, in the Europe region.
How does WinWinner make money?
One revenue line is on record: platform facilitation fees.
Who are WinWinner's main competitors?
Direct peers on record are Bolero Crowdinvesting, Look&Fin, BeeBonds, Spreds, October (formerly Lendix), Lendahand, Ecco Nova and Companisto. Funding Circle is listed as a broad incumbent. MeDirect Bank is listed as a regional player.
Does WinWinner have an API?
No public API is recorded for WinWinner.
What industry is WinWinner in?
WinWinner's product category is Crowdlending Platform. Its primary akta.pro industry code is FSAKAHAG, Real Estate / Property-Backed Marketplace Lending (Non-mortgage). Its NAICS code is 522310 and its SIC code is 6163.