ZIB Investments

What ZIB Investments does

ZIB Investments is a Dutch private investment platform founded in 1999 and headquartered in Goes, Netherlands (with a listed presence in Middelburg), operating under the legal entities ZIB Investments Beheer B.V. (AIFMD-licensed fund manager) and ZIB Beleggingsonderneming B.V. (MiFID II and ECSPR-licensed investment firm and crowdfunding service provider). The firm operates a two-sided platform: on the supply side it sources and structures real estate financing opportunities — primarily for recreational real estate (holiday parks, marinas, hotels), healthcare and senior housing, student housing, and temporary housing — and on the demand side it distributes those opportunities to a base of Dutch retail and semi-professional investors through bonds (obligaties, minimum €1,000) and real estate fund participations (vastgoedfondsen, minimum €100,000), with private equity fund products (PE I through PE X) layered on top. Across 27 years and more than 50 projects, approximately €1 billion has been invested through the platform, and the firm publicly emphasizes a track record of on-time interest payments and full capital repayment.

For property-owning entrepreneurs, ZIB provides custom (maatwerk) real estate financing ranging from €2.5 million to €5 million via crowdfunding-style bond structures and above €5 million through AIFMD-regulated real estate funds, including sale-and-leaseback constructions that allow owners to release capital while retaining operational use. The technology layer is a straightforward online portal supporting project listings, investor registration, and a 'Mijn ZIB' account area; there are no proprietary AI or data features described. Revenue is generated through one-time emission/arrangement fees of roughly 2-3% on placements and ongoing management fees on AIFMD-regulated funds, with deal sizes typically ranging from €4 million to €66.7 million per project.

Distribution is direct-to-customer via the company's own website, supported by a newsletter, a knowledge bank of educational content, and personal advisory phone-based consultation. The firm is privately held with no disclosed parent company, operates with a headcount of 1-10, and counts major operator counterparties including Roompot, Center Parcs (under Pierre et Vacances guarantee), Van der Valk, and MPZ B.V. across its project portfolio.

Name

ZIB Investments

Legal name

ZIB Investments Beheer B.V.

Website

https://zibinvestments.nl

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

ZIB Investments is a Dutch licensed investment platform, founded 1999, that structures and distributes real estate-backed bonds, fund participations, and private equity products to retail and semi-professional investors while providing custom real estate financing to property-owning entrepreneurs, with approximately €1 billion invested across 50+ projects.

Ownership category

akta.pro rank

Product category

Real Estate Investment Management

NAICS

Real Estate Credit (522292), Other Investment Pools and Funds (5259), Other Financial Vehicles (52599)

SIC

Loan Brokers (6163), Investors, Nec (6799)

akta.pro primary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

akta.pro secondary industries

Real Estate Debt & Mortgage Strategies (FSAAAKAC), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE), Real Estate Funds — Opportunistic / Development (FSANAEAI)

Keywords

• Real estate crowdfunding
• Private equity funds
• Bond investments
• Real estate financing
• Investment platform

Headquarters

HQ city

Middelburg

HQ country

Netherlands

HQ region

Europe

Offices1 record

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. Investment platform fees: ZIB Investments operates as a licensed investment platform and fund manager, earning fees from structuring and managing real estate investment projects. Revenue is derived from issuance fees (emissiekosten) charged to investors (typically 2-3% of invested amount), management fees from funds under AIFMD license, and interest spreads on financing arrangements. The platform connects property-owning entrepreneurs seeking financing with a broad base of retail and professional investors.
2. Financing intermediation: ZIB provides maatwerk (custom) financing solutions to real estate-owning entrepreneurs, structured as either obligatieleningen (bond loans) for €2.5M–€5M projects or vastgoedfondsen (real estate fund structures) for €5M+ projects. Revenue is earned through arrangement fees and ongoing management fees, with the company acting as an intermediary between borrowers and its investor base. Sale & leaseback constructions are also offered.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

ZIB Investments operates as a Dutch licensed investment platform enabling investors to participate in real estate-backed securities including tradable bonds (obligaties) from €1,000, real estate fund participations from €100,000, and private equity funds across multiple series. For property-owning entrepreneurs, ZIB structures custom real estate financing solutions ranging from €2.5M-€5M via crowdfunding bonds to €5M+ via AIFMD-regulated real estate fund structures, as well as sale-and-leaseback transactions.

Product overview

ZIB Investments is a Dutch investment platform operating since 1999 that offers a portfolio of real estate investment products, bonds, and private equity funds. The core offering consists of three main product categories: (1) Bonds (Obligaties) starting from €1,000 providing access to fixed-income real estate-backed instruments, (2) Real Estate Funds (Vastgoedfondsen) starting from €100,000 for larger institutional investments, and (3) Private Equity funds (Private Equity I through X) offering exposure to private equity strategies. The platform specializes in recreational real estate (bungalow parks, vacation villages, marinas), healthcare real estate (senior housing), student housing, and temporary housing sectors. For entrepreneurs, ZIB provides custom real estate financing solutions ranging from €2.5 million to €5 million through crowdfunding mechanisms and above €5 million through structured funds. The company has facilitated over €1 billion in invested capital across more than 50 projects.

Differentiator

Problem solved

Functional benefit

Products and services

• Obligaties (Bonds) Fixed-income tradable bond investments offering participation starting from €1,000, with interest rates typically ranging from 3.0% to 6.0% per annum depending on the project. Bonds are backed by specific real estate projects across sectors such as healthcare, recreation, student housing, and temporary housing. Designed for retail and semi-professional investors seeking predictable income with diversified exposure to Dutch real estate debt.
• Vastgoedfondsen (Real Estate Funds) Real estate investment fund participations (commanditaire vennootschap / CV structures) offering minimum participation from €100,000, providing exposure to specific real estate assets including recreational properties (Center Parcs parks, marinas, holiday parks), healthcare real estate (senior housing), and other commercial properties. Fund sizes range from €4M to €66.7M with returns derived from rental income and potential capital appreciation. Managed under AIFMD license with full AFM/DNB supervision.
• Private Equity Funds (Series I through X) A series of private equity investment funds (currently ten series, Private Equity I through X) offering participation in private equity strategies with varying interest rates (4.0% to 6.0%) and terms ranging from short-term (9 months) to long-term (8 years). Individual fund sizes range from approximately €1.2M to €5M. These funds invest in private equity opportunities, with PE I structured via Stichting Financiering Private Equity I purchasing preferred participations in BB Capital Fund Investments Coöperatief U.A. Designed for investors seeking exposure to private equity returns with risk classifications in the moderate range.
• Vastgoedfinanciering (Real Estate Financing) Custom (maatwerk) financing solutions for real estate-owning entrepreneurs and businesses, structured as bond loans (obligatieleningen) for projects of €2.5M to €5M via ZIB's crowdfunding platform, or as real estate fund participations for projects of €5M and above. Financing purposes include refinancing of existing real estate, renovation, new development, and optimization of real estate structures. Arranged through a structured intake process involving application, due diligence, and funding setup.
• Vastgoed Verkopen (Sale & Leaseback) Sale-and-leaseback and direct property purchase services enabling property-owning entrepreneurs to unlock capital tied up in real estate while retaining operational control through long-term leaseback arrangements to ZIB funds. Suitable for transactions of €2.5 million and above. Provides immediate liquidity while allowing the seller to continue operating from the property under favorable long-term lease terms.

Quantifiable outcome

• €1 billion invested through platform with consistent on-time payments
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Roompot Recreatie Beheer BVcoreStrategic or Co-development PartnerRoompot Recreatie Beheer BV is a major long-term tenant across multiple ZIB recreational real estate funds, operating holiday parks and bungalow resorts. Long-term triple-net rental agreements provide stable, inflation-linked rental income to ZIB funds. Roompot is a recurring counterparty across numerous ZIB projects spanning multiple decades.
• Center Parcs Netherlands NV / Pierre et Vacances SAcoreStrategic or Co-development PartnerCenter Parcs Netherlands NV (under guarantee of Pierre et Vacances SA, listed on Euronext Paris) is the operator and tenant of several ZIB real estate assets including ZIB Zandvoort CV (Center Parcs Park Zandvoort) and ZIB Eemhof CV. The operator lease structure provides the rental income stream for ZIB funds. Several ZIB funds were specifically structured around Center Parcs properties.
• MPZ B.V. (Marina Port Zélande)coreStrategic or Co-development PartnerMPZ B.V. is the operator of Marina Port Zélande, a large marina with ~850 berths at the Brouwersdam. ZIB acquired the marina and leases it back to MPZ B.V. under a long-term agreement. MPZ B.V. has operated the marina since 2016. Total funding for the marina acquisition was approximately €10.8 million.
• BB Capital Fund Investments Coöperatief U.A.minorStrategic or Co-development PartnerBB Capital Fund Investments is the investment fund in which ZIB's Private Equity I project (via Stichting Financiering Private Equity I) invests by purchasing preferred participations. The fund focuses on facilitating and financing innovation, growth, and employment through private equity fund investments.
• Jacoba van Beieren B.V.minorStrategic or Co-development PartnerJacoba van Beieren B.V. operates the Slot Oostende hospitality complex in Goes, consisting of a restaurant, brewery, hotel, and bottling facility. ZIB provided a €425,000 crowdfunding loan for the acquisition and renovation of the property.
• Eurostrand Vastgoed BVminorStrategic or Co-development PartnerEurostrand Vastgoed BV owns Eurostrand holiday parks in Germany (Eurostrand Fintel and Eurostrand Leiwen). ZIB Eurostrand CV financed the acquisition of these parks. Eurostrand group operates the parks.
• Hambachtal Vastgoed BVminorStrategic or Co-development PartnerHambachtal Vastgoed BV is the property vehicle for Ferienpark Hambachtal in Germany, acquired through ZIB Hambachtal CV. The park is operated by Roompot Vakanties.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Collin Crowdfund: Direct Dutch competitor running an AFM-regulated crowdfunding platform for SME and real estate loans/funding, targeting retail investors and business borrowers — highly comparable model, customer base, and regulatory stack to ZIB.
• CrowdAboutNow: Dutch AFM-regulated crowdfunding platform focused on real estate and SME loans, offering bonds and subordinated loans to retail investors — competes head-to-head with ZIB for Dutch real estate funding deals and investor capital.
• October (formerly Lendopolis): Pan-European real estate debt platform operating under ECSP/CIP passports, originating business loans to SMEs for real estate needs — comparable business model and regulatory position to ZIB, at larger European scale.
• DuurzaamInvesteren: Dutch retail investment platform focused on sustainable real estate and energy projects via AFM-regulated crowdfunding — same regulatory license type, overlapping investor base, and project underwriting model as ZIB.
• Fundament Real Estate Crowdfunding: Dutch real estate crowdfunding platform structuring project finance to property developers and connecting them to retail investors — directly comparable origination, distribution, and product set.

Emerging players

• December: European retail investment platform focused on renewable energy and real estate projects with cross-border ECSP licensing — comparable regulatory and product-model fit, slightly different asset focus but overlapping investor pool.
• Lendahand: Dutch-origin impact investment platform with ECSP licensing connecting retail investors to loans in emerging and developed markets — comparable platform mechanics and license stack, broader sector focus than ZIB.

Broad incumbents

• Yieldstreet: US-listed retail alternative-investment platform offering real estate debt and other income products — operates at much larger scale but comparable product mechanics (bonds/fund participations to retail).
• RealtyMogul: Established US real estate crowdfunding and investment platform offering both debt and equity products to retail and accredited investors — comparable dual product set and regulated distribution model.
• ABN AMRO Real Estate Finance: Large Dutch bank providing commercial real estate financing and asset management — serves many of the same borrowers and investors as ZIB but at institutional scale and through traditional bank channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ZIBInvestments
• Facebookfacebook.com/zibcrowd

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 ZIB Investments