Concrete Investing

What Concrete Investing does

Concrete Investing (legal entity: Concrete S.r.l.) is an Italian equity crowdfunding platform that intermediates real estate investments between retail and professional investors and institutional real estate developers. Founded and registered with Consob on April 24, 2018, and headquartered in Milan, the platform is authorized and supervised by Consob and Banca d'Italia under EU Regulation 2020/1503 as a European Crowdfunding Service Provider (ECSP). It enables investors to participate in fractional equity offerings tied to individual real estate projects, supported by a fiduciary services partnership with Be Trust Fiduciaria and professional liability coverage through AXA-XL Insurance.

The platform has intermediated €84,656,000 in capital across 44 funded real estate operations, with a cumulative estimated property value of €870,588,270 and 25 successful exits returning €58,168,371 to investors. Reported performance metrics include a 10.81% median annual ROI realized and a 10.15% median definitive IRR. The investor base comprises 20,000 profiled investors with an average ticket size of €15,800 per operation and an average portfolio of €42,000, while professional investors account for 33.83% of capital intermediated. Deal supply is sourced from a curated set of named institutional developers including Borgosesia, Gruppo Building, Impresa Rusconi, Immobiliare Percassi, BlueStone, Gruppo Fide, FCMA, and Bell Group, with recent geographic expansion into Sardegna.

Concrete Investing generates revenue through a transaction-based fee model: investors pay a fee of 1–2.75% of invested capital per operation, and the platform earns a separate commission from developers (offerors) calculated as a percentage of capital raised per project. The business model is therefore volume-driven, scaling with the number, size, and frequency of funded operations rather than recurring subscriptions.

Name

Concrete Investing

Legal name

Concrete S.r.l.

Website

https://concreteinvesting.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Concrete Investing is an Italian ECSP-authorized equity crowdfunding platform that intermediates real estate investments between retail and professional investors and institutional developers, with €84.7M intermediated across 44 operations since 2018.

Ownership category

akta.pro rank

Product category

Equity Crowdfunding Platform

NAICS

Other Financial Investment Activities (5239), Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)

Keywords

• Equity crowdfunding
• Real estate investments
• Crowdfunding platform
• Property development finance
• Alternative investments

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Investment Fee (Commissione di investimento): The company charges investors a one-time investment fee (Investment Fee) calculated as a percentage of the investment amount, ranging between 1% and 2.75%, determined based on the specific project and investment amount. This fee is paid upfront by investors into an escrow account together with the investment capital. In case of unsuccessful campaign, the full amount including the investment fee is refunded.
2. Commission from Offerors (Developers): The company is remunerated by the offering companies (real estate developers) through application of a commission equal to a percentage of the amount raised through the offering.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Concrete Investing operates a regulated equity crowdfunding platform that connects real estate developers with retail and professional investors, enabling direct online participation in Italian property development projects. The platform curates and screens project proposals from developers, conducts due diligence, and publishes vetted offerings with detailed documentation. Investors register online, complete MiFID-compliant appropriateness questionnaires, and subscribe to equity offerings with minimum investments typically of €5,000. The service includes continuous project monitoring and fiduciary share administration through partner Be Trust Fiduciaria.

Product overview

Concrete Investing operates as a unified equity crowdfunding platform for real estate investments, combining a curated marketplace of property development opportunities with investor services. The platform features individual real estate project offerings (such as Bazzi 68 Milano, Park Towers, Ripamonti 268), supported by investor profiling, fiduciary share administration, investment monitoring, and developer partnership services. The ecosystem is unified through its web platform and authenticated user accounts, all governed under EU Regulation 2020/1503.

Differentiator

Problem solved

Functional benefit

Products and services

• Concrete Investing Platform
• Fiduciary Share Administration Service

Quantifiable outcome

• 10-15% expected annual returns for investors
• +4 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eleven partnerships are on record, tiered core and key.

• Be Trust FiduciariacoreImplementation/ SI/ Consulting PartnerFiduciary services partner providing trust administration of subscribed shares on behalf of investors. Be Trust Fiduciaria is authorized and supervised by the Ministry of Economic Development. Services include professional quota management, periodic reporting, tax substitution, and secondary market facilitation. Service costs are covered by Concrete Investing for the entire investment duration.
• BlueStonekeyOthersPrimary real estate developer partner that develops projects offered on the platform. BlueStone manages Park Towers project among others, with €5.8M+ in capital returned to investors through completed exits.
• Gruppo BuildingkeyOthersReal estate development group that has promoted multiple projects through the platform, including Colonne San Lorenzo exit generating approximately €9M in liquidated capital.
• Impresa RusconikeyOthersHistoric real estate developer founded in 1907 with multiple successful projects including Torre Milano, Anfiteatro 7, and Talea. Has expressed intention to involve Concrete Investing in future initiatives.
• Immobiliare PercassikeyOthersReal estate developer that promoted Le dimore di via Arena project in Bergamo and intends to use crowdfunding as a financing tool for construction operations as part of risk diversification strategy.
• Gruppo FidekeyOthersReal estate development group managing projects offered on the platform, including Adda 11 project in Porta Nuova area.
• FCMAkeyOthersReal estate developer that promoted Pasinetti 4/8 project in Scalo Romana-Symbiosis area of Milan, designed by Arassociati.
• Bell GroupkeyOthersReal estate operator managing projects including Cascina Gerola (co-sponsored with Ceetrus Italy) and Eraclito 2, both with significant returns for investors.
• BorgosesiakeyOthersReal estate developer that partnered with Concrete Investing on ELLE Building project (with CdR Advance Capital) and expressed intention to use crowdfunding again in the future.
• Financial IntermediarycoreOthersBanking partner that safeguards investments on an unavailable account until campaign completion or refund. Manages the investment order process and subscription collection.
• AXA-XL Insurance Company SEcoreOthersProvider of professional liability insurance policy BL09000083 with coverage of at least €20,000 per claim and €1,000,000 annual aggregate, in compliance with CONSOB requirements.

Scale indicators11 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Companisto: German-headquartered European equity crowdfunding platform — operates under the same EU Regulation 2020/1503 regime and offers a comparable curated deal experience to professional and retail investors.
• Lita.co: European (France-headquartered) equity crowdfunding platform with a real estate vertical — competes with Concrete Investing in the same EU ECSP regulatory framework and is active in Italy and other EU markets Concrete could enter.
• Trusters: Italy-domiciled real estate equity crowdfunding platform — competes head-to-head with Concrete Investing for both Italian developers raising equity and retail/professional investors seeking real estate exposure.
• Starsup: Italian equity crowdfunding portal covering equity and real estate offerings under Consob oversight — overlaps with Concrete Investing on real estate deals and the same retail/professional investor audience.
• CrowdFundMe: Italian equity crowdfunding platform listed on Borsa Italiana — direct competitor for both Italian startup/PMI equity and real estate deals under the same Consob-regulated framework.
• Housers: European real estate crowdfunding platform (Spain) operating under similar ECSP rules — directly comparable in asset class, target return profile, and retail/professional investor mix, providing a benchmark for geographic expansion.
• Walliance: Italian equity crowdfunding platform focused on real estate projects — directly competes with Concrete Investing in the same Italian primary-market segment with similar curated deal flow and investor base.
• Re-Crowd: Italian equity crowdfunding portal regulated by Consob under EU Regulation 2020/1503, with a portfolio spanning real estate and corporate deals — same regulatory regime and overlapping investor pool as Concrete Investing.
• EstateGuru: European real estate crowdfunding platform focused on senior-secured lending — comparable in target asset class, ECSP-style regulation, and pan-European distribution, though it uses debt rather than equity instruments.

Broad incumbents

• Moneyfarm: Italian/UK digital wealth manager offering diversified portfolios to retail and mass-affluent investors — adjacent rather than directly competitive, but targets the same Italian retail-investor wallet and signals an alternative channel for real estate exposure via listed REITs or funds.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/concreteinvest1
• Facebookfacebook.com/concreteinvesting
• LinkedInlinkedin.com/company/concreteinvesting

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 Concrete Investing