SMART INVEST GROUP

What SMART INVEST GROUP does

Smart Invest Group operates a digital crowdfunding investment platform based in Skopje, North Macedonia, that connects Macedonian retail investors with the group's residential and mixed-use real estate development projects. Founded in 2021, the company is a privately held Macedonian limited liability company that operates through a network of more than nine partner companies — including BV Business Group, Unlimited Coders, Arch Home, Chiflik Winery, and Grafoprom — collectively controlling more than 30 million EUR in capital and employing over 500 people. The platform offers Macedonian individual investors the opportunity to co-invest in construction projects with guaranteed fixed annual capital gains of 9% on 24-month projects and 10% on projects exceeding 24 months, with no licensing or transaction fees charged to investors.

The core technology is a fully digital self-service web application at sigroup.mk featuring automated contract generation, SMS-OTP-based electronic signature, real-time project tracking, and an embedded investment calculator. A proprietary FIFO-based installment algorithm enables investors to contribute in monthly installments (minimum 3,000 MKD, approximately 50 EUR) with returns calculated on individual entry dates and paid at project completion. The development portfolio includes ten projects across Skopje, Bitola, and Kumanovo (e.g., X8, X.5, X9, ArcHome Lamela 3, Urban Corner), with two (X1, X2) already completed. The company integrates IoT-based smart-building technology into completed properties and is developing iOS and Android mobile applications as a future channel.

The business model captures revenue through a spread retained between actual project yields and the 9-10% guaranteed to investors, rather than charging explicit platform fees. Reported deployment is over 290 million MKD (~4.7 million EUR) raised from retail investors across roughly three years, with over 27 million MKD paid out as capital gains and a 95-96% reinvestment rate among investors in completed projects. Distribution is product-led: a five-step investor journey is completed in under fifteen minutes, supported by organic Macedonian-language social media, a content blog, email/SMS newsletters, and earned media coverage in outlets such as pari.com.mk.

Name

SMART INVEST GROUP

Legal name

Друштво за градежництво, производство и услуги СМАРТ ИНВЕСТ ГРОУП ДОО Скопје

Website

https://sigroup.mk

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Smart Invest Group operates a digital crowdfunding platform that connects Macedonian retail investors with the group's residential real estate development projects, offering guaranteed annual capital gains of 9-10% on co-investments through a self-service web application.

Ownership category

akta.pro rank

Product category

Real Estate Crowdfunding Investment

NAICS

Portfolio Management and Investment Advice (523940), Other Investment Pools and Funds (5259)

SIC

Investment Advice (6282)

akta.pro primary industry

Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG)

akta.pro secondary industries

Co-Investment / Direct Allocation Platforms (alongside FoF) (FSANAGAK), Real Estate Funds — Opportunistic / Development (FSANAEAI)

Keywords

• Real estate crowdfunding
• Investment platform
• Construction investment
• Digital investment platform
• Guaranteed return investment

Headquarters

HQ city

Skopje

HQ country

North Macedonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Capital Gain Spread (Interest Margin): Smart Invest Group retains a portion of the agreed capital gains earned by investors as its primary revenue stream. For projects with 24-month duration, investors receive 9% annual capital gain; for projects over 24 months, 10% annual capital gain. The company effectively earns the spread on funds deployed in construction projects. No licensing or transaction fee is charged to investors.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Smart Invest Group operates a digital crowdfunding investment platform that enables Macedonian investors to co-invest in the group's residential and mixed-use real estate construction projects. Investors can choose between one-time lump-sum investments (minimum 500 EUR) or monthly installments (minimum 3,000 MKD) with guaranteed fixed capital gains of 9% p.a. for 24-month projects and 10% p.a. for projects exceeding 24 months, paid monthly or as a lump sum at project completion. The platform also develops IoT-enabled smart residential buildings as part of completed projects.

Product overview

SMART INVEST GROUP operates a unified crowdfunding investment platform that enables retail investors to participate in real estate development projects in North Macedonia. The platform offers two investment methods: one-time lump-sum investing and installment-based investing. The portfolio includes multiple residential/commercial building projects (X8, X.5, X9, ArcHome, Urban Corner) across Skopje, Kumanovo, and Bitola, with guaranteed annual returns of 9-10%. An integrated investment calculator enables automated return projections. The company also develops 'smart' residential buildings incorporating IoT sensors for intelligent home monitoring.

Differentiator

Problem solved

Functional benefit

Products and services

• Crowdfunding Investment Platform Digital crowdfunding investment platform connecting Macedonian investors with residential and mixed-use real estate development projects, offering co-investment opportunities with guaranteed fixed capital gains of 9% p.a. (24-month projects) or 10% p.a. (projects exceeding 24 months). Supports both one-time and installment investing, automated contract generation, SMS-based electronic signature, and real-time project tracking.
• X8 - Balanced Living (Х8 - Балансиран начин на живеење) Residential building project with 32 residential units (1,860 m²) located near Širok Sokak in Bitola. 24-month construction period offering 18% total returns to investors via the Smart Invest Group platform.
• X.5 - Modern Living and Working (Х.5 - Совршениот спој на модерно живеење и работење) Residential-commercial complex with 12 residential units (869 m²) and 6 commercial spaces (1,733 m²) featuring private rooftop terraces, located near the city promenade and stadium. 32-month construction period offering 24% total returns.
• X9 - SMART ART Smart Living in Skopje (Х9 - SMART ART паметно домување во Скопје) Residential-commercial complex in central Skopje, 1.5 km from city center. 36-month construction period offering 27% total returns with a maximum investment opportunity of 6,410,260 EUR.
• ArcHome - Lamela 3 Third phase of ArcHome residential complex in Kumanovo featuring modern design and high construction quality surrounded by nature, with commercial amenities including pharmacy, supermarket, and fast-food restaurant. 24-month construction period offering 20% total returns.
• Urban Corner - Kisela Voda (Urban Corner - Кисела Вода) Residential building with 22 residential units (2,000 m²) located 800 meters from Macedonia Square in central Skopje, featuring integrated SMART home technology management. 24-month construction period offering 20% total returns.

Quantifiable outcome

• Over 290 million MKD (~4.7M EUR) invested through the platform in approximately 3 years
• +4 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• BV Business Group (БВ Бизнис Груп)coreStrategic or Co-development PartnerPart of the Smart Invest Group network of companies with over 20 years of experience across multiple business sectors. Contributes to the diversified portfolio of the investment group.
• Unlimited CoderscoreTechnology or IntegrationIT technology partner developing and maintaining the crowdfunding platform, its algorithms (including FIFO-based installment calculation), and the upcoming mobile applications.
• Chiflik Winery (Винарија Чифлик)minorStrategic or Co-development PartnerPart of the Smart Invest Group partner network contributing diversified industry expertise to the investment consortium.
• Mario MateominorStrategic or Co-development PartnerPartner company within the Smart Invest Group network, contributing to the diversified business portfolio of the group.
• Grafoprom (Графо пром)minorStrategic or Co-development PartnerPartner company within the Smart Invest Group network, part of the printing/graphics industry sector represented in the consortium.
• EPS Doors and Metal (ЕПС врати и метал)coreStrategic or Co-development PartnerDoors and metal works company; one of the specialized construction partners contributing to the group's real estate development projects.
• SI Business Group (СИ Бизнис Груп)coreStrategic or Co-development PartnerCore partner within the Smart Invest Group network, contributing shared branding and operational synergies across the investment group.
• Arch Home (Арх Хоум)coreStrategic or Co-development PartnerReal estate development company and project investor/contractor for ArcHome residential projects in Kumanovo. One of the main project partners delivering completed developments under the Smart Invest Group platform.
• OXO Production (ОХО продукција)minorStrategic or Co-development PartnerPartner company within the Smart Invest Group network, contributing to the diversified industry expertise of the investment consortium.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Brickstarter: Spanish real estate crowdfunding platform focused on financing specific property development projects. Comparable to Smart Invest Group's project-based fixed-term investment approach and its blend of retail investor capital and construction-sector partnerships.
• EstateGuru: Europe's largest P2B real estate crowdfunding platform, connecting retail investors with property developers across multiple EU markets. Most directly comparable to Smart Invest Group in model (digital platform intermediating real-estate project funding) and target audience (mass-affluent retail investors seeking fixed returns).
• Crowdestate: Baltic-headquartered real estate crowdfunding platform operating across the EU with project-based fixed-term investments and target returns. Closely comparable operating model — project-level capital raising with defined timelines and expected yields — albeit at a larger and more mature scale.
• Housers: Spanish real estate crowdfunding platform enabling fractional investment in individual property projects with defined returns. Comparable to Smart Invest Group in core mechanism (project-by-project digital fundraising for real estate) and customer profile (retail yield-seeking investors).
• Property Moose: UK-based real estate crowdfunding platform offering fractional ownership of individual properties with target returns. Directly comparable to Smart Invest Group in product structure (per-project funding rounds with fixed target returns) and asset class focus.

Broad incumbents

• Mintos: Large European online marketplace for investable loans and alternative investments, with diversified asset classes and significant retail investor flow across Eastern Europe. Comparable to Smart Invest Group as a competing destination for retail capital seeking yields above traditional deposits, though operating at much larger scale and broader scope.
• Komercijalna Banka AD Skopje: Major Macedonian retail and corporate bank offering deposit products to local households and businesses. Comparable as the traditional financial institution competing for Macedonian retail savings that Smart Invest Group's platform is actively disintermediating through guaranteed higher returns.
• NLB Banka Skopje: Largest bank in North Macedonia, offering retail deposit and savings products that compete directly for the same customer wallet as Smart Invest Group. Highly relevant incumbent competitor for retail savings that Smart Invest Group is targeting with its 9–10% guaranteed capital gains.

Regional players

• iuvo Group: Bulgarian-origin P2P lending platform operating across Europe with strong Balkan retail investor base. Comparable to Smart Invest Group on retail yield-seeking investor demographic and geographic catchment, though focused on consumer/ SME loans rather than real estate.
• Reinvest24: Bulgarian-headquartered real estate investment platform offering fractional property investment in Southeastern Europe. Comparable regional context to Smart Invest Group (Balkan/EU-bordering markets, similar investor profiles, similar real estate development dynamics) even though the legal structures differ.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SmartInvestGroupMk
• LinkedInlinkedin.com/company/smart-invest-group
• Instagraminstagram.com/smartinvestgroupmk

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 SMART INVEST GROUP