Zinsbaustein
Zinsbaustein GmbH is a German digital real estate crowdinvesting platform that connects retail investors with project developers; following its January 2026 merger with WIWIN, new business has moved to WIWIN while Zinsbaustein continues servicing its existing €201M-raised investor portfolio.
- Company typePrivate
- Founded2016
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Zinsbaustein does
Zinsbaustein GmbH is a German digital investment platform that connects retail investors with real estate project developers through crowdinvesting, operating under the zinsbaustein.de brand. Founded in 2016 and headquartered in Erlangen with additional offices in Berlin and Mainz, the platform enabled individual investors to participate in curated real estate projects with minimum investments of €500, maximum per-project tickets of €25,000, terms of 12-36 months, and stated returns of 5.00-8.00% p.a. The core technology stack comprises a self-service investor portal, the "Real Estate Cockpit" for secure document exchange between financing participants, and PostIdent identification via Deutsche Post for KYC compliance under the German Money Laundering Act (GwG). A protected Club Deal area served semi-professional investors with subordinated loans and participations in bank loan claims, while wholly-owned subsidiary ZBS Investment GmbH & Co. KG managed club deal investments.
The business model is a transaction-fee marketplace: Zinsbaustein earned commissions from project developers and issuers for placement services under Article 3 ECSP-VO and §17 FinVermV, as well as commissions for intermediating closed public AIF investments under §34f GewO. No fees were charged to investors. Over its operating life the platform financed 122 real estate projects, raised €201 million in capital from 32,931 registered investments, repaid €157 million across 77 completed projects, and distributed €19.3 million in interest to investors. The customer base is bifurcated: retail individual investors on the demand side and real estate developers (with notable exposure to senior care facilities through the BayernCare / BayernStift ecosystem tied to Charleston Holding) on the supply side.
As of January 2026, the company completed a merger with WIWIN, a sustainable crowdinvesting platform. New business origination has been fully transferred to WIWIN, and Zinsbaustein GmbH returned its ECSP license and §34c/§34f GewO broker permits to the relevant authorities. The Zinsbaustein entity now operates as a portfolio-servicing vehicle, continuing to manage existing investor portfolios through its customer portal while new investment activity, marketing, and origination occur under the WIWIN brand.
Zinsbaustein firmographics
Firmographics- Name
- Zinsbaustein
- Legal name
- Zinsbaustein GmbH
- Website
- https://zinsbaustein.de
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Zinsbaustein GmbH is a German digital real estate crowdinvesting platform that connects retail investors with project developers; following its January 2026 merger with WIWIN, new business has moved to WIWIN while Zinsbaustein continues servicing its existing €201M-raised investor portfolio.
- Ownership category
- akta.pro rank
Zinsbaustein industry classification
Industry- Product category
- Real Estate Crowdfunding Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)
- akta.pro secondary industries
- Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)
Keywords
Where Zinsbaustein is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
Zinsbaustein business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Commission from Issuers/Project Developers: Zinsbaustein receives commissions from project developers and issuers in connection with investment placement services, in compliance with Article 3 ECSP-VO and Section 17 FinVermV. These commissions are retained by the platform and not passed on to investors.
- ECSP Crowdfunding Services Commission: As a licensed crowdfunding service provider under ECSP-VO, the company earns commissions for facilitating loan investments between retail investors and project developers.
- Financial Instrument Distribution Commission: Commissions earned for intermediating closed public AIF investments and club deal arrangements, regulated under Section 34f GewO.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Crowdinvesting investments from €500 to €25,000 |
| One time/ perpetual license | Pay-as-you-go | Premium investment products with higher returns |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Zinsbaustein product offering
Product offeringCore offering
Zinsbaustein operates a German digital crowdinvesting platform that enables retail investors to participate in real estate development projects through interest-bearing mezzanine/subordinated loans starting at a €500 minimum and project developers to raise mezzanine capital. The platform intermediates subordinated loans (Nachrangdarlehen) with 5.00–8.00% p.a. returns over 12–36 month terms, plus a protected Club Deal area for qualified investors. Following the January 2026 merger with WIWIN, new business has been transitioned to the WIWIN platform while Zinsbaustein continues managing existing investor portfolios through its customer portal.
Product overview
Zinsbaustein is a digital real estate investment platform operated by Zinsbaustein GmbH that connects real estate project developers with retail investors through crowdinvesting. The platform facilitates three main investment types: (1) direct crowdinvesting projects with typical returns of 5.00-8.00% p.a. over 12-36 month terms, minimum investment €500; (2) Club Deal investments for selected investors offering subordinated loan structures; and (3) mezzanine financing for developers. Following a January 2026 merger with WIWIN, new business operations migrated to the WIWIN platform, while Zinsbaustein continues managing existing investor portfolios through its customer portal. The platform holds ECSP (European Crowdfunding Service Provider) licensing and acts solely as an intermediary without custody of investor funds.
Differentiator
Problem solved
Functional benefit
Products and services
- Zinsbaustein Crowdinvesting Platform Digital investment platform enabling retail investors to participate in real estate development projects through crowdinvesting. Investors invest amounts starting from €500 up to €25,000 per project with returns of 5.00–8.00% p.a. over 12 to 36 month terms via interest-bearing subordinated loans.
- Real Estate Cockpit Secure authenticated platform for exchanging data and documents between Zinsbaustein and participants in financing projects, providing logged-in access to project documentation and progress updates.
- Kundenportal (Customer Portal) Investor dashboard allowing customers to view their current and completed Zinsbaustein investments; existing customers continue to access their investment overview through their familiar customer profile post-WIWIN merger.
- Club Deal Investments Exclusive investment offering for qualified and semi-professional investors accessing a protected platform area, including subordinated loans with qualified subordination (Nachrangdarlehen) and participations in bank loan claims, with higher minimums than the standard crowdinvesting range.
- Mezzanine Financing for Developers Financing solutions for real estate project developers that provide equity-replacing mezzanine loans to extract equity from already-financed projects or supplement equity from building-permit readiness through marketing commencement.
Quantifiable outcome
- €201 million raised across 122 financed projects
- +3 more outcomes
Companies that use Zinsbaustein
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Zinsbaustein technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Zinsbaustein partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- WIWINcoreZinsbaustein completed a merger (Zusammenschluss) with WIWIN, a sustainable crowdinvesting platform, in January 2026. New business operations have transferred to WIWIN which now offers real estate, renewable energy, and innovative startup investment opportunities. Zinsbaustein continues to manage existing investment portfolios and returns its ECSP license and broker permits (§34c/34f GewO) to regulatory authorities.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
Zinsbaustein competitors and assessment
Company assessmentDirect peers
- Brickstarter: European real estate crowdfunding platform offering fractional property investments to retail investors, directly comparable to Zinsbaustein's real estate crowdinvesting model with cross-border European reach.
- Dagobertinvest: Austrian real estate crowdinvesting platform offering subordinated loans to property developers, comparable to Zinsbaustein's mezzanine intermediation model with overlapping DACH geographic focus.
- WIWIN: Direct peer and now merger partner of Zinsbaustein. WIWIN operates a sustainable crowdinvesting platform covering real estate, renewable energy, and innovative startups with similar ECSP licensing and a comparable retail-investor target market in Germany.
- Companisto: Berlin-based crowdinvesting platform operating under ECSP regulation with a similar DACH retail-investor focus, though oriented toward venture equity rather than real estate mezzanine.
- Exporo: One of the largest German real estate crowdinvesting platforms, directly comparable to Zinsbaustein in intermediating retail investor capital into German property development mezzanine deals.
- CrowdDesk: German crowdinvesting infrastructure provider licensed under ECSP, comparable in regulatory positioning to Zinsbaustein and operating in the same DACH intermediation market for real estate and corporate financings.
Broad incumbents
- EstateGuru: European real estate crowdlending marketplace operating across multiple countries. Comparable to Zinsbaustein as a digital real estate debt intermediation platform, though with a broader pan-European footprint and higher-volume origination.
Emerging players
- Seedmatch: German crowdinvesting platform with ECSP licensing, comparable in regulatory model and retail-investor intermediation approach to Zinsbaustein, though oriented toward startup equity rather than real estate mezzanine.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Zinsbaustein social profiles
Digital presenceZinsbaustein compliance and trust
Trust signalCompliance4 records
Zinsbaustein financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zinsbaustein leadership team
Management profileNumber of profiles
Profiles4 records
Zinsbaustein subsidiaries and ownership
Company hierarchySubsidiaries1 record
Zinsbaustein funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zinsbaustein 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 Zinsbaustein
What does Zinsbaustein do?
Zinsbaustein operates a German digital crowdinvesting platform that enables retail investors to participate in real estate development projects through interest-bearing mezzanine/subordinated loans starting at a €500 minimum and project developers to raise mezzanine capital. The platform intermediates subordinated loans (Nachrangdarlehen) with 5.00–8.00% p.a. returns over 12–36 month terms, plus a protected Club Deal area for qualified investors. Following the January 2026 merger with WIWIN, new business has been transitioned to the WIWIN platform while Zinsbaustein continues managing existing investor portfolios through its customer portal.
Is Zinsbaustein a public or private company?
Zinsbaustein is a private company. It is classified as venture growth investor backed and is currently operating.
When was Zinsbaustein founded?
Zinsbaustein was founded in 2016. It employs 11 to 50 people.
Where is Zinsbaustein based?
Zinsbaustein is headquartered in Berlin, Germany, in the Europe region.
How does Zinsbaustein make money?
Three revenue lines are on record. Commission from Issuers/Project Developers are the primary driver. The others are ECSP Crowdfunding Services Commission and financial Instrument Distribution Commission.
Who are Zinsbaustein's main competitors?
Direct peers on record are Brickstarter, Dagobertinvest, WIWIN, Companisto, Exporo and CrowdDesk. EstateGuru is listed as a broad incumbent. Seedmatch is listed as an emerging player.
Does Zinsbaustein have an API?
No public API is recorded for Zinsbaustein.
What industry is Zinsbaustein in?
Zinsbaustein's product category is Real Estate Crowdfunding Services. Its primary akta.pro industry code is FSAEALAM, Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds), with a secondary code of BPAJABAK, Debt & Structured Finance / Mortgage Brokerage. Its NAICS code is 52231 and its SIC code is 6163.