INNO INVEST

What INNO INVEST does

INNO INVEST (Innovative Investment Solutions GmbH) is a BaFin-regulated, family-owned independent wealth manager headquartered in Darmstadt, Germany. Founded in 2014 by Herbert Schmitt, the firm serves affluent individuals (€50K-€250K), high-net-worth clients (€250K-€2.5M), ultra-high-net-worth individuals/family offices (€2.5M+), entrepreneurs, and contractually bound financial advisors. Operations are organized across five business segments: classical discretionary wealth management with personal advisory, a digital Robo-Advisor (Online-Vermögensverwaltung), the INNO Haftungsdach B2B WealthTech platform, the Promisioo online broker, and a Maklerpool §34f broker pool.

The technology stack centers on a proprietary WealthTech platform combining AI-driven Robo-Advisory with human portfolio management. The flagship EUSQuant strategy, launched in January 2022, is presented as the only fully AI-driven wealth management process in Europe, performing research, quantitative and sentiment analysis, anomaly detection at tick-level, and autonomous execution via Interactive Brokers. The Robo-Advisor differentiates from standard ETF-only competitors by enabling individual stock selection alongside ETF diversification, organized through a multi-strategy pyramid (Value, Growth, Stockpicking). Supporting custodial and execution infrastructure spans Interactive Brokers (primary), UBS, DAB-Bank, and V-Bank, with AWS providing cloud hosting.

Revenue is generated through AUM-based asset management fees on discretionary mandates, transaction commissions (€0.50 per trade on Promisioo), custody revenue-sharing arrangements, B2B platform fees from the Haftungsdach, and Maklerpool connection fees capped at 5% of invested capital. Minimum investment thresholds range from €5K for digital self-service to €250K+ for full private banking. The senior management team (Herbert Schmitt, Stefan Schmitt, Marcel Moog) brings combined capital market expertise of over 100-130 years, positioning INNO INVEST as a boutique multi-channel wealth platform rather than a scale-driven asset manager.

Name

INNO INVEST

Legal name

Innovative Investment Solutions GmbH

Website

https://inno-invest.de

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

INNO INVEST (Innovative Investment Solutions GmbH) is a BaFin-regulated independent wealth manager in Darmstadt, Germany, offering classical advisory and AI-driven Robo-Advisor services to affluent, HNW, and UHNW private clients, plus a B2B Haftungsdach platform and Promisioo neobroker for financial advisors and retail investors.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), All Other Financial Investment Activities (52399)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industries

Robo-Advisors & Digital Wealth Managers (FSAAAAAD), Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)

Keywords

• Wealth management services
• Robo-advisor platform
• Asset management
• Investment advisory
• Portfolio management

Headquarters

HQ city

Darmstadt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Vermögensverwaltungsgebühren (Asset Management Fees): Ongoing management fees charged on assets under management (AUM) for discretionary portfolio management services across personal advisory and online/Robo-Advisor offerings.
2. Transaktionsgebühren (Transaction Fees): Fees earned on securities transactions executed through custody banks. Settlement fee received from Interactive Brokers LLC based on financial product, transaction volume and exchange location.
3. Promisioo Brokerage Commission: 50 cents per trade commission from Promisioo online broker service, targeting cost-conscious retail investors and Neobroker competitors.
4. Haftungsdach Plattformgebühren (Liability Umbrella Platform Fees): Infrastructure fees from WealthTech platform services for investment fintechs and contractually bound intermediaries (§34f). Most affordable connection price in Germany at maximum 5% including advisory and documentation software.
5. Depotbank-Gebühren (Custody Fees): Revenue sharing arrangements with connected custodian banks (UBS, DAB-Bank, V-Bank, Interactive Brokers) for account and custody services.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

INNO INVEST provides independent asset management and financial advisory for private clients and entrepreneurs. The company offers traditional discretionary wealth management with personal advisory (from €25,000–€250,000), a digital Robo-Advisor for self-directed investors (from €5,000), and operates a B2B WealthTech platform including a Haftungsdach (BaFin-regulated liability umbrella) and Maklerpool (§34f) for financial advisors and investment fintechs, plus the Promisioo online broker. Its proprietary EUSQuant AI-driven strategy is positioned as the only purely AI-based wealth management offering in Europe.

Product overview

INNO INVEST is an independent wealth management company offering a multi-platform approach with five core business segments: (1) Klassische Vermögensverwaltung (Traditional Wealth Management) with personal advisory for assets from €25,000, (2) Robo-Advisor/Online-Vermögensverwaltung for digital automated portfolio management, (3) INNO Haftungsdach (WealthTech Platform) providing Investment-APIs and advisory software for B2B partners, (4) Promisioo Online-Broker offering €0.50 per trade at 130+ exchanges, and (5) Maklerpool for §34f investment intermediaries. The EUSQuant strategy represents their flagship AI-driven product as the only pure AI-based wealth management in Europe, while additional offerings include various ESG-focused (INNO ECO EQUITY, INNO BLUE, INNO GREEN) and diversified multi-asset strategies (Global MaxDiversifikation, Multi-Asset Aktien, Invest Pro Dividende).

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• EUSQuant strategy operates in less volatile market phases approximately 95% of trading time
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability6 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Interactive Brokers LLCcoreTechnology or IntegrationPrimary execution and custody partner for INNO INVEST's Robo-Advisor and wealth management services. INNO INVEST receives settlement fees from Interactive Brokers for each stock, fund and ETF transaction. The partnership enables worldwide direct trading at 130+ exchanges through the Promisioo platform at competitive pricing.
• Amazon Web Services, Inc.coreTechnology or IntegrationCloud infrastructure provider for hosting INNO INVEST's online services. AWS provides the secure, fast and efficient platform delivery for the company's digital wealth management offerings.

Scale indicators5 records

Recent moves7 records

Expansion highlights8 records

Emerging players

• Trade Republic: Trade Republic is a Berlin-based European Neobroker offering commission-free trading and a savings plan product. It is an emerging competitor to INNO INVEST's Promisioo brokerage offering, particularly for cost-conscious retail investors.
• Elinvar (Mastercard): Elinvar was a Berlin-based WealthTech platform-as-a-service provider for digital asset and wealth managers, acquired by Mastercard. It is comparable to INNO INVEST's Haftungsdach WealthTech platform offering APIs and digital advisory infrastructure to partner advisors and fintechs.

Direct peers

• Whitebox: Whitebox is a German Robo-Advisor offering algorithm-driven ETF portfolio management for private investors. It is a direct competitor to INNO INVEST's online Vermögensverwaltung, with overlapping customer segments and fee model.
• Scalable Capital: Scalable Capital is a leading Munich-based digital wealth management platform offering both a Robo-Advisor and a Neobroker (Scalable Broker) in Germany. It is a direct competitor to INNO INVEST across both classical/Robo wealth management and the Promisioo low-cost brokerage proposition.
• Liqid: Liqid is a Berlin-based digital wealth manager serving affluent and HNW clients with discretionary portfolio management. It is a direct competitor to INNO INVEST's classical wealth management segment, particularly for the €250K-€2.5M HNW segment.
• growney: growney is a German Robo-Advisor offering ETF-based automated portfolio management. It is a direct competitor to INNO INVEST's Robo-Advisor/Online Vermögensverwaltung with a similar target segment of self-directed retail investors.
• Flossbach von Storch: Flossbach von Storch is a major German independent asset manager founded in 1998 with multi-strategy fund and private wealth offerings. It is a direct competitor to INNO INVEST for HNW and UHNW clients seeking independent, non-bank-affiliated wealth management.
• Quirin Privatbank: Quirin Privatbank is a Berlin-based independent German private bank offering wealth management and financial advisory. It is a direct competitor to INNO INVEST's classical wealth management business and family office services.

Others

• Baader Bank: Baader Bank is a leading German bank and one of the major Haftungsdach and platform-as-a-service providers for financial advisors and investment fintechs in Germany. It is comparable to INNO INVEST's Haftungsdach/Maklerpool B2B platform business.

Broad incumbents

• MLP SE: MLP SE is a larger, publicly listed German financial services and wealth advisory group offering brokerage, wealth management, and insurance. It competes with INNO INVEST across advisory and brokerage services but at much greater scale with a broader portfolio.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/innovative-investment-solutions
• Instagraminstagram.com/innoinvest_official
• Xx.com/RoboInnoInvest

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 INNO INVEST