What Mozzeno does

Mozzeno nv is a Belgian collaborative lending (crowdlending) platform founded in 2016 that intermediates between retail and institutional investors and Belgian consumer and small-business borrowers. Operating under FSMA license 115673 from headquarters in Brussels and an operational office in Waver, the company runs a fully digital flow covering loan simulation, digital document upload, electronic signature via eID or itsme, and direct bank transfer. Since inception it has facilitated more than €455 million in loans across roughly 39,003 projects and returned €306 million to investors, with a reported 6.77% default rate on loans not repaid for three consecutive months.

The platform, built and maintained by Fintensy nv, exposes its lending book to investors through three Notes-based tiers: mozzeno Self (self-directed from €500), mozzeno Managed (a Tak 23 life insurance vehicle run with Securex Leven from €10,000), and mozzeno Tailor (bespoke fixed-term instruments from €500,000). Borrower offerings include a personal-loan range (€2,500-€50,000, 18-120 months, JKP 6.99%-11.49%) with specialized sub-products (renovation, second-hand auto, motorcycle, e-bike, medical, wedding, study, vacation, debt consolidation, electric vehicle) alongside investment credit for self-employed professionals and SMBs covering working capital, equipment, professional services, and business vehicles. PROTECT insurance via Atradius ICP covers investor principal on protected Note series, with supplementary creditor cover from Shelteo (Belins nv) and AXA Credit Protection.

Revenue is generated from three streams: a 1.5% dossier fee on each originated loan, the interest spread between borrower rates and investor returns, and commissions from distributing creditor-insurance products. Distribution combines direct online acquisition with B2B2C channel partnerships (Partena Professional, Invest.BW, Accountable, BeeBonds, èggo Keukens), and the platform is geographically restricted to Belgium.

Name

Mozzeno

Legal name

mozzeno nv

Website

https://mozzeno.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Mozzeno is a Belgian collaborative lending platform that connects consumer and small-business borrowers with retail and institutional investors via Notes instruments, operating under FSMA license 115673 and having originated over €455M in loans across 39,000+ projects.

Ownership category

akta.pro rank

Product category

Collaborative Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industries

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), P2P Loan Syndication & Participation Platforms (FSAKAHAL), Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

Keywords

• Collaborative lending platform
• Consumer credit services
• Crowdlending marketplace
• Investment credit
• Peer-to-peer lending

Headquarters

HQ city

Brussel

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Origination Fees (Dossierkosten): mozzeno charges 1.5% of the borrowed amount as dossier costs (file fees) from borrowers. These costs are included in the Annual Cost Rate (JKP). This is the primary revenue stream from the lending side.
2. Interest Margin: mozzeno acts as intermediary between borrowers and investors. Interest rates offered to borrowers (JKP 6.99%-11.49%) are passed through to investors as returns, with mozzeno retaining the spread as its margin.
3. Insurance Distribution: mozzeno distributes credit protection insurance products including Shelteo (creditor insurance from Belins nv) and AXA Credit Protection, earning commissions on policy sales.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Mozzeno operates a Belgian collaborative (peer-to-peer) lending platform that connects individual and institutional investors with borrowers seeking personal loans and business investment credits. The platform issues Notes financial instruments that allow investors to indirectly fund loans; borrower repayments, net of platform fees and a retained spread, are passed through to investors as returns. The entire process — application, scoring, electronic signature via eID/itsme, and fund disbursement — runs 100% online.

Product overview

Mozzeno operates as a Belgian collaborative lending (crowdlending) platform offering two core products: personal loans (persoonlijke leningen) for consumers and investment credits (investeringskredieten) for businesses. Loans are indirectly financed by investors through mozzeno Notes. The platform offers various specialized personal loan sub-products including renovation loans, auto loans, motorcycle loans, bicycle/electric bike loans, medical loans, wedding loans, study loans, vacation loans, and debt consolidation. For investors, three service tiers exist: mozzeno Self (self-managed, from €500), mozzeno Managed/Collaborative Fund (professionally managed via Securex, from €10,000), and mozzeno Tailor (custom instruments, from €500,000). The platform also distributes insurance products including PROTECT insurance for investor protection, Shelteo credit balance insurance (Belins), and AXA Credit Protection.

Differentiator

Problem solved

Functional benefit

Brands

• mozzeno Self: Self-managed investment option allowing investors to select their own investment criteria and manually or automatically invest in Notes, starting from €500.
• mozzeno Managed
• mozzeno Tailor

Products and services

• Persoonlijke Lening (Personal Loan) Installment personal loan (consumentenkrediet) for Belgian consumers, used for renovation, vehicle purchase, education, medical costs, debt consolidation, travel, weddings and similar purposes. Loan amounts range from €2,500 to €50,000 over 18-120 months, priced at JKP 6.99%-11.49%, with 1.5% dossier fees. Financed indirectly by investors via mozzeno Notes.
• Investeringskrediet (Investment Credit) Business credit product for Belgian self-employed professionals and small companies to finance working capital, equipment purchases, professional services, and business vehicles. Customized terms by project type, financed indirectly by investors via mozzeno Notes.
• mozzeno Notes Financial instrument issued by mozzeno that entitles investors to receive returns derived from the repayment of underlying loans originated on the platform. Notes form the foundation of all investor offerings.
• mozzeno Self Self-directed investment service where investors choose their own investment criteria, amounts, and manually or automatically invest in Notes, available from a €500 minimum, with optional PROTECT insurance coverage.
• mozzeno Managed (Collaborative Fund) Professionally managed investment through the mozzeno Collaborative Fund, a branch 23 life insurance product managed by Securex Leven, offering delegated portfolio management with all Notes series covered by PROTECT insurance, from a €10,000 minimum.
• mozzeno Tailor Bespoke investment instrument with fixed maturity and fixed return, reserved for professional and institutional investors, available from a €500,000 minimum under multi-year contracts.
• PROTECT Insurance Credit insurance distributed by mozzeno (underwritten by Atradius ICP) that guarantees repayment of principal invested in covered Notes series if the borrower defaults after three months of arrears.
• Shelteo Credit Balance Insurance Term life insurance (branch 21) underwritten by Belins NV and distributed by mozzeno that guarantees repayment of the remaining loan balance in case of the insured borrower's death.
• AXA Credit Protection Credit protection insurance covering death and disability, underwritten by AXA Belgium and distributed through the mozzeno platform; policyholders file claims via AXA's retail operations.

Quantifiable outcome

• €455+ million in loans granted to date
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core, major and minor.

• Fintensy nvcoreTechnology or IntegrationTechnology services provider responsible for platform development and maintenance. Fintensy develops the mozzeno platform and contracts with suppliers. Contracts ensure Fintensy's invoices never exceed mozzeno's income. In case of Fintensy bankruptcy, a continuity plan ensures minimum platform operations until all investors are repaid.
• Atradius ICPcoreTechnology or IntegrationCredit insurer providing scoring services and PROTECT insurance coverage. mozzeno submits loan applications to Atradius scoring system for insured loans. Atradius A3 rating by Moody's and A (excellent) by A.M. BEST. In case of borrower default after 3 months, Atradius covers the outstanding principal for protected Notes.
• Securex LevencoreTechnology or IntegrationLife insurance company managing the mozzeno Collaborative Fund (branch 23). Investors delegate portfolio management to Securex for a hassle-free investment experience. The fund invests in Notes with all series covered by PROTECT insurance.
• Partena ProfessionalmajorChannel Partner/ Reseller/ DistributorSocial secretariat provider offering mozzeno investment credits to their business customers. Partena Professional clients can access collaborative business financing through the mozzeno platform as part of Partena's service offering.
• Invest.BWmajorChannel Partner/ Reseller/ DistributorRegional investment agency in Walloon Brabant that partners with mozzeno to offer investment credits to entrepreneurs in the region. Supports local economic development through collaborative lending.
• AccountableminorChannel Partner/ Reseller/ DistributorAccounting/fiscal services provider offering mozzeno investment credits to their small business and self-employed clients. Integration allows Accountable customers to access financing through their existing accounting relationship.
• BeeBondsminorStrategic or Co-development PartnerReal estate investment platform partnership making property investment more accessible. Collaboration enables cross-promotion of real estate and lending investment opportunities.
• èggo KeukensminorChannel Partner/ Reseller/ DistributorKitchen retailer partnership enabling customers to finance èggo kitchens through mozzeno collaborative loans. First Belgian collaborative lending for kitchen financing.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Look & Fin: Belgian crowdlending platform focused on SME and real estate financing. Directly comparable to mozzeno as a domestic Belgian peer-to-peer lending marketplace competing for the same borrower and investor base.
• October (formerly Lendix): European P2P lending platform headquartered in France serving SMEs across multiple European markets. Comparable to mozzeno's investment-credit product and overall marketplace lending model, with a broader geographic footprint.
• Younited Credit: Leading European consumer credit platform operating in France, Italy, Spain, Germany, and Portugal. Comparable to mozzeno in originating consumer loans and distributing them to investors/institutional funders, but at much larger scale and across multiple countries.
• Zopa: UK-based pioneer of P2P consumer lending, now operating as a digital bank. Comparable to mozzeno's original P2P personal loan model and represents an example of the P2P-to-bank evolution that mozzeno could follow.
• Bondora: European P2P lending platform offering consumer loans funded by retail investors across multiple countries. Comparable as a cross-border consumer P2P lender with a Notes-style instrument, though larger and more diversified geographically than mozzeno.

Broad incumbents

• Funding Circle: Publicly listed SMB lending marketplace operating in the UK, US, and Europe. Comparable as a marketplace lender connecting SMEs with institutional and retail capital, though focused on small business rather than consumer loans.
• Meilleurtaux: French loan and insurance broker intermediating consumer credit, mortgage, and insurance products. Comparable to mozzeno's brokerage/intermediation role, though operating more broadly across financial products rather than directly originating loans.
• LendingClub: US-listed P2P consumer lending platform and digital bank. A historical peer in the P2P consumer lending category where mozzeno operates, providing a benchmark for scale and unit economics at maturity.

Regional players

• BeeBonds: Belgian real estate crowdfunding platform. Listed as a mozzeno partner and comparable as a Belgian alternative-investment marketplace, though it focuses on property rather than consumer/SME credit.
• Edebex: Belgian marketplace for trading and financing trade receivables. Comparable as a domestic Belgian alternative-finance platform serving SMEs with non-bank funding solutions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/mozzeno
• YouTubeyoutube.com/@mozzeno
• Facebookfacebook.com/mozzeno
• LinkedInlinkedin.com/company/mozzeno
• Instagraminstagram.com/mozzeno

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 records

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Mozzeno