Risks and Special Cases

If the furniture in your project is damaged, Enky will repair or replace it, with penalties charged to the end customer. This guarantees your investment remains secure and your returns uninterrupted.

In the unlikely event that the furniture in your project disappears, Enky will replace it at no cost to you. Your returns and portfolio will remain unaffected, as we act immediately to ensure the continuity and stability of your investment.

We secure a new tenant within 6 months while continuing to pay your interest. If we cannot, your capital is fully reimbursed.

Our business model and the nature of our assets allow us to assume this risk.

- Defaults are rare: furniture is not a budget adjustment variable.

- In case of default, we can relocate the furniture to another client within a few weeks, without interrupting interest payments: the furniture is standardized, mobile, and interchangeable.

- The high margins generated allow us to absorb these potential defaults: we select high-end furniture, purchased at wholesale prices (around 30% of market value) and resold at full price (driven by rising raw material costs, inflation, and refurbishment).

'Since Enky assumes all project-related risk, your only exposure is the potential default of Enky itself.

To protect you in such a scenario, we have two strong legal mechanisms in place — comparable to a trust structure — providing:

- asset segregation,

- direct collateral through the rental contracts and the financed furniture,

investors’ priority rights.

Details of the two security mechanisms:

1) Pledge of rental income – The lease contracts signed with client companies are pledged for the benefit of investors.

In the event of Enky’s default, 100% of the remaining rental income is paid directly to them.

2) Furniture collateral – The financed furniture serves as security.

Once the rents have been collected, the furniture becomes the property of the investors, who can then sell it.

These two guarantees are further strengthened by a 30% safety margin on the underlying assets, which are legally ring-fenced from Enky’s own assets and ensure investors’ priority repayment.'

Unlike crowdfunding platforms, Enky bears 100% of the project risk.

If a tenant defaults, we find a new one without interrupting interest payments — or we reimburse your capital.

In the event of Enky’s default, two security mechanisms similar to a trust arrangement are in place to protect investors’ capital.

Investing carries a risk of capital loss. Learn more.

It’s not necessary: the risk is already pooled across all our projects since we are the sole owner of 100% of the projects published. And unlike traditional crowdfunding, we do not transfer project risk to our investors.

Whether you invest in one or several projects, the risk level remains the same — that of Enky’s potential default — and it is mitigated by our capital protection mechanisms.