Understanding Enky Invest

Enky helps businesses to furnish all sorts of spaces – offices, restaurants, hotels, etc. – in a more flexible and more sustainable way than the traditional purchase.

The 3 options we offer are:

- Subscription, which allows clients to pay for their furniture in instalments instead of buying it.

- Circular purchase, which allows clients to sell their furniture back to Enky within 5 to 10 years.

- Leaseback, which allows clients who already own furniture to sell it to Enky and keep using it against a monthly rent.

In all these scenarios, furniture can be new, used, or vintage, and at the end of each use cycle, we refurbish the pieces to lease them to a new client, thereby increasing their lifespan and reducing waste.

Returns: between 7–9% annually, paid monthly.

Capital protection: multiple layers of safeguarding, even in the event of Enky’s default.

Sustainable and transparent: directly finance the circular economy.

The two systems are similar, but we operate without the risks of the real estate sector.

- Investors co-finance the purchasing of an asset and receive a share of the rental income. But unlike real estate, there are no permit requirements, renovation works, or speculative risks involved.

- Furniture is an essential work tool for our clients, so the risk of default is negligible compared to real estate.

- We only select pieces that can be refurbished and used for many years. Rising raw material prices and inflation means the value of these assets also tends to remain stable.

No. We issue bonds that entitle you to a share of the income generated by the projects you invest in. You have the usufruct but not full ownership.

When you invest, you buy bonds (unit value €1) linked to the rental income from a specific furniture project. There are no fees.

The bonds are recorded, registered and numbered in the account of the issuer. You do not own the furniture but hold a financial right proportional to your investment, linked to the rental income. The investment is 'direct' because Enky owns the furniture.

Enky Invest is our crowdlending platform that allows you to finance our furniture and earn a share of the income it generates.

It's a means for Enky to finance the stock we need to operate, and an opportunity for you to earn a competitive return while financing a more circular economy.