Jubenial
Jubenial is a Spanish digital marketplace that connects property owners aged 65+ with retail investors through specialized products — including nuda propiedad, vivienda inversa, and reverse mortgages — enabling seniors to monetize home equity without relocating while offering investors discounted, asset-backed real estate.
- Company typePrivate
- Founded2023
- HeadquartersMadrid, Spain
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Jubenial does
Jubenial (legal entity Jubenial Horizon Silver S.L.) is a Spain-based digital marketplace launched in 2023 that intermediates real estate transactions between property owners aged 65+ and individual investors. The company targets the under-monetized equity held by elderly Spanish homeowners, offering five core product structures — nuda propiedad (bare ownership sale with retained usufruct), venta con alquiler garantizado (sale-and-rent-back), rentas vitalicias y temporales (lifetime and temporary annuities on sold bare ownership), vivienda inversa (reverse housing with guaranteed residency), and hipoteca inversa (reverse mortgage) — as well as ancillary products such as renta antigua and permuta inmobiliaria. Its proprietary technology consists of a property directory and search interface, investment financial modeling that calculates TIR (IRR), annual returns, and total profitability per listing, and a digital account management portal supporting both investor and property owner profiles, with authentication through Google OAuth and Apple Sign-In.
The business model is transaction-fee based: Jubenial charges professional fees of 3% + VAT (with a 6,000 EUR + VAT minimum) on each closed deal, typically borne by the buyer. Revenue is generated only at transaction close, making it a pure intermediation / take-rate model rather than a subscription business. Go-to-market combines a product-led growth motion (self-serve property browsing for investors and online property listing submission for owners) with a sales-led advisory overlay that provides human guidance for more complex or higher-value transactions. The company claims 1,000+ completed operations and 2,000+ registered investors, with national coverage across Spain's provinces. Customer segments are two-sided and individual-focused: elderly homeowners seeking to monetize property without relocating, and retail investors seeking discounted, asset-backed real estate exposure with guaranteed rental income.
Jubenial firmographics
Firmographics- Name
- Jubenial
- Legal name
- Jubenial Horizon Silver S.L.
- Website
- https://jubenial.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Jubenial is a Spanish digital marketplace that connects property owners aged 65+ with retail investors through specialized products — including nuda propiedad, vivienda inversa, and reverse mortgages — enabling seniors to monetize home equity without relocating while offering investors discounted, asset-backed real estate.
- Ownership category
- akta.pro rank
Jubenial industry classification
Industry- Product category
- Senior Real Estate Investment Marketplace
- NAICS
- Offices of Real Estate Agents and Brokers (5312)
- SIC
- Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Senior Living & 55+ Community Brokerage (BPAJAAAH)
Keywords
Where Jubenial is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Jubenial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction Facilitation Fees: Jubenial earns revenue by facilitating real estate transactions between property owners and investors. The platform charges professional fees ranging from 3% + VAT to 6,000 EUR + VAT depending on the property listing, with fees typically paid by the buyer.
- Intermediation Services: Professional intermediation services for property transactions with agency fees included in published prices or charged separately.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | One time/ perpetual license | Standard Commission - Percentage Based |
| Transaction based/ take rate | One time/ perpetual license | Fixed Fee Commission |
| Unit Pricing | Pay-as-you-go | Property Acquisition Pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Jubenial product offering
Product offeringCore offering
Jubenial operates a digital marketplace that connects property owners aged 65+ with real estate investors in Spain, intermediating transactions across senior-focused products such as nuda propiedad (bare ownership), venta con alquiler garantizado (sale with guaranteed rent), rentas vitalicias y temporales (life and temporary annuities), vivienda inversa (reverse housing), and hipoteca inversa (reverse mortgage). The company charges professional fees on each facilitated transaction and supplements its self-serve platform with personalized advisory services.
Product overview
Jubenial is a specialized real estate investment marketplace and financial services platform targeting property owners aged 65+ and real estate investors. The platform operates as a unified ecosystem offering multiple property monetization and investment products: (1) Nuda propiedad for bare ownership sales, (2) Venta con alquiler garantizado for sale-and-rent-back transactions, (3) Rentas vitalicias y temporales for annuity-based income products, (4) Vivienda inversa for reverse housing arrangements, and (5) Hipoteca inversa for reverse mortgage products. The company also maintains a property directory (Directorio de inmuebles) and supports specialized investment products like Renta Antigua and Permuta inmobiliaria. The platform enables senior homeowners to monetize their real estate assets while continuing to live in their properties, and provides investors with curated property investment opportunities at discounted market values.
Differentiator
Problem solved
Functional benefit
Products and services
- Nuda propiedad (Bare Ownership)
Quantifiable outcome
- Annual returns ranging from 4.5% to 11.6% depending on property type and investment structure
- +2 more outcomes
Companies that use Jubenial
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Jubenial technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Jubenial partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
Jubenial competitors and assessment
Company assessmentDirect peers
- Vivanio: Vivanio is a Spanish digital platform that helps elderly homeowners monetize their properties through sale-leaseback and life-annuity arrangements. It is the closest direct competitor to Jubenial in the Spanish senior housing liquidity space.
Broad incumbents
- Idealista: Idealista is Spain's leading horizontal real estate marketplace with millions of listings. While not specialized in senior products, it dominates property search and represents the primary alternative for investors and sellers in Spain.
- Bankinter: Bankinter is one of Spain's main retail banks offering reverse mortgages (hipoteca inversa) directly to elderly homeowners. It competes with Jubenial's hipoteca inversa product and has far greater brand trust and balance sheet.
- Pisos.com: Pisos.com is one of Spain's largest real estate listing portals. Although it does not specialize in senior products, it competes for investor attention and is a substitute channel for property discovery.
- CaixaBank: CaixaBank, Spain's largest domestic bank, also distributes reverse mortgage products and has extensive senior customer relationships through its branch network. It is a broad incumbent competing for the same elderly customer base.
- Century 21 España: Century 21 España is a major franchise brokerage network operating across Spain. While not specialized in senior products, its agents handle nuda propiedad and reverse mortgage referrals as part of their broad residential brokerage offering.
Regional players
- Casavo: Casavo is an Italian iBuyer that buys residential properties directly from sellers via instant offers and resells them. It operates in a related niche (instant residential liquidity) but in a different geography and with a different model (proprietary buyer vs. marketplace).
Emerging players
- Housers: Housers is a Spanish real estate investment platform that lets individual investors access fractional property deals. It overlaps with Jubenial on the investor side but focuses on general residential rather than senior-specific structures.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Jubenial social profiles
Digital presenceJubenial compliance and trust
Trust signalCompliance1 record
Jubenial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Jubenial leadership team
Management profileNumber of profiles
Profiles2 records
Jubenial funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Jubenial 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 Jubenial
What does Jubenial do?
Jubenial operates a digital marketplace that connects property owners aged 65+ with real estate investors in Spain, intermediating transactions across senior-focused products such as nuda propiedad (bare ownership), venta con alquiler garantizado (sale with guaranteed rent), rentas vitalicias y temporales (life and temporary annuities), vivienda inversa (reverse housing), and hipoteca inversa (reverse mortgage). The company charges professional fees on each facilitated transaction and supplements its self-serve platform with personalized advisory services.
Is Jubenial a public or private company?
Jubenial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Jubenial founded?
Jubenial was founded in 2023. It employs 1 to 10 people.
Where is Jubenial based?
Jubenial is headquartered in Madrid, Spain, in the Europe region.
How does Jubenial make money?
Two revenue lines are on record. Transaction Facilitation Fees are the primary driver. The others are intermediation Services.
Who are Jubenial's main competitors?
Vivanio is listed as a direct peer. Broad incumbents are Idealista, Bankinter, Pisos.com, CaixaBank and Century 21 España. Casavo is listed as a regional player. Housers is listed as an emerging player.
Does Jubenial have an API?
No public API is recorded for Jubenial.
What industry is Jubenial in?
Jubenial's product category is Senior Real Estate Investment Marketplace. Its primary akta.pro industry code is BPAJAAAH, Senior Living & 55+ Community Brokerage. Its NAICS code is 5312 and its SIC code is 6531.