An investment in 4 steps
Step One: Subscribe
Registration on our platform is free. To login, we ask you to provide your email address and choose your password or connect through your LinkedIn profile.
Step two: Access your personal space and details per project
Your space allows you to access to all information regarding each company presented on the platform, depending on the applicable law for your profile:
-> Presentation of the company: the team, its business, its market, its development prospects
-> The operation : amount and goal of the fundraising, minimum investment and valuation
This space also allows you to communicate directly with the entrepreners through the access to a dedicated online forum.
Step Three: Your investment
We suggest you first to complete your profile with your adress, nationality, living country and IBAN, that will be used to reimburse capital and pay interests.
At the time of the investment :
Depending on the investment product you are subscribing to, we will charge you a maximum investment fee of 3% including tax on the amount of your investment. You will find details of the fees for a dedicated transaction at Step 2 of your subscription and before signing the subscription form. You can also access it at any time in the "Documentation" tab of each operation by downloading the "Intermediary information document".
Step Four: Track your investments
Raizers developed a functional platform that allows you to monitor in real time the companies you have funded. We allow you to download the proof of your investments and communicate and exchange in real time with the entrepreneurs.
Lend to real estate developers
Raizers allows investors, indivuals or companies, to finance real estate operations.
For each selected project, Raizers organizes a fundraising in the form of bonds, intended to provide additional equity to the property developer.
In special cases, Raizers will propose to investors an indirect equity investment through a holding company dedicated itself to investment in capital and current accounts of the company dedicated to real estate development operation (target company). This option will be considered only when the legal status of the target company does not allow the developer to issue a bond.
Raizers always favors the most direct and transparent investment for its investors. We remind you that investing in equity or lending to unlisted companies represent specific risks (details are available on related links).
5 GOOD REASONS TO INVEST IN REAL ESTATE VIA RAIZERS
You decide the amount that you want to invest
Investment available from 2 000 euros
You invest in qualitative projects
The projects are selected by our financial analysts on qualitative criterion of location, price positioning and development by property developers that already demonstrated their know-how in the past
You get attractive return with short maturity
• Between 6% to 12% annual return
• Investment maturity from 12 months to 36 months
You invest in few clics with entire transparence
You benefit from an innovative interactive solution to follow your investments
You are an individual established in France
The interests you receive, called "bond coupons" are fixed-income investment products from tax administration point of view.
These products are subject to :
A fraction of the social contributions (CSG 5.1%) is deductible from taxable income for the relevant year. This amount will be calculated and automatically deducted from your taxable income by the tax administration.
* This payment is automatically deducted and paid back in the form of a tax credit in the pre-completed tax return (2CK box).
Nevertheless, until 30th November of the year of investment (N), you can ask to be exempted from required deposit if the income tax reference (RFR) of your family on N-2 income is:
This exemption application is a sworn statement that engages your liability for misrepresentation. Thank you to contact us via the contact form if you would like a sample exemption application model.
** If you have received less than 2 000 € of net fixed income from investment products in the year N, you have the option to opt for a flat rate of income tax of 24%. If necessary, your pre-filled tax return, scratch the 2TR box and enter the correct amount in 2FA.
You are a French company
The interests you receive, called "bond coupons", are fixed-income investment products from tax administration point of view. They are recorded as financial income and as such are subject to corporate tax (IS).
You are an individual or a company established abroad
Taxation principles are different depending on the country where you are resident. Please contact us via the contact formula if you need specific information.
Every year during February, you will receive from Raizers a Fiscal Form (IFU) gathering details of income received and withholding taxes applied in order to facilitate your tax declaration.
The interest you collect on a bond issued by a Swiss company, called "coupons bond", are a return on movable capital from the eye of the Federal Tax Administration.
When you file your annual income tax return, you must include these coupons in your overall tax base. These returns are also subject to a 35% withholding tax levied. Withholding tax is a federal tax. It is an advance on income tax. The Swiss debtor (company issuers of bonds) pays the tax on the taxable benefit and transfers it to the beneficiary (the lender) by deducting the amount he has to pay.
The 35% withholding tax is refunded, under certain conditions, to taxpayers:
You are an individual:
The refund is granted to individuals domiciled in Switzerland, provided that they regularly declare, for cantonal and municipal taxes, the income and returns subject to withholding tax as well as the capital that produced them (refund made by the cantons in principle by deduction from cantonal taxes).
You are a Swiss company:
The refund is granted to legal entities based in Switzerland, provided that they regularly record as a return the income subject to withholding tax (refund made by the Confederation, more precisely by the Federal Tax Administration).
Source: https://www.estv.admin.ch/estv/fr/home/verrechnungssteuer/verrechnungssteuer/fachinformationen/verrechnungssteuer.html. The conditions for the refund are set out in Art. 21 to 28 “Loi fédérale sur l’impôt anticipé”
Invest in rental property
You have access to a real estate savings product previously reserved for investment professionals. The targeted properties are commercial walls or blocks of residential properties in France, Switzerland, Belgium and Luxembourg. The investment horizon for this type of property is at least 7 years with objective annualized returns between 4% and 8%
Raizers offers two main types of investments, with or without bank leverage (on choice):
Investment with bank credit "Capitalization"
Investment without bank credit "Yield" investment
FUNCTIONING OF AN OPERATION
• Research, study and analysis of the property
• Negotiation and signature of the sales agreement
• Signing of estimates with all parties involved (insurance, banking, rental management, accounting, etc.)
• Putting the operation online and fundraising
• Investor monitoring by the bank and receipt of payments
• Obtaining bank credit if necessary
• Creation of the SAS (company specially created to carry out the operation) and transfer of funds into the structure
• Purchase of the targeted property
• Signing of contracts with all stakeholders
• Raizers is the president of the SAS holding company created. It manages its organisation, in particular the general meetings, and will be able to make proposals to shareholders as to the proper conduct of the real estate investment transaction.
• Management of return flows (dividends), payment of taxes and social security contributions, single tax form, etc...
• The management of the property can be organised by a local agency specialised in the sector and will take charge of the tenants, the costs are generally in the order of 5% excluding VAT of the rents collected annually.
• Detailed reporting of the rental status - annual valuation of assets
THE RIGHT REASONS TO INVEST
Simplicity : The possibility to invest in stone in a few clicks on operations selected, negotiated and structured by Raizers;
Accessibility : Access to opportunities from €10,000;
Diversification : Investment opportunities allow you to build a portfolio of real estate assets diversified in terms of geographical area, types of assets (commercial or residential) and to create your own investment strategy;
Yield : real estate remains one of the most secure investments in the long term for its ability to generate regular and growing income
Leverage effect: some transactions benefit from a bank mortgage to leverage the acquisition of real estate.
TAXATION OF DIVIDENDS DISTRIBUTED in FRANCE / SWITZERLAND / BELGIUM / LUXEMBOURG
The rents received will make it possible to make profits for the SAS investment holding company. These gains will then be redistributed to investors in the form of a dividend.
PEA PME :
The proposed investments in rental property are eligible for the PEA-PME envelope. By investing through this type of account and provided that the minimum holding period of 5 years is respected, the dividends distributed will be exempt from tax.
2/ Taxation of dividends for Swiss tax residents
Case of a Swiss company :
Dividends distributed by a Swiss company to shareholders are returns on movable capital according to the Federal Tax Administration.
When you file your annual income tax return, you must include these coupons in your overall tax base. These distributed profits are also subject to the 35% withholding tax. This tax is an anticipation of income tax. The Swiss legal entity withholds and pays the dividends to the beneficiary, i. e. the investor, by deducting the 35% withholding tax.
Withholding tax can be refunded to taxpayers:
You are a private individual:
Reimbursement is possible for individuals if they are domiciled in Switzerland. However, it is necessary for them to declare their cantonal and communal taxes on a regular basis.
You are a company:
Reimbursement is possible for legal entities if they have their registered office in Switzerland. However, they must regularly record as a return the income subject to withholding tax.
Source : https://www.estv.admin.ch/estv/fr/home/verrechnungssteuer/verrechnungssteuer/fachinformationen/verrechnungssteuer.html. The conditions for the refund are set out in Art. 21 to 28, Federal Law on Withholding Tax (LIA).
Case of a french company :
Dividends distributed by a French company are also returns on movable capital according to the Federal Tax Administration.
However, they are not subject to withholding tax but must be reported when filing the income tax return.
3/ Taxation of dividends for other countries of residence:
On request, do not hesitate to contact our investment advisors who will answer you or have a study carried out by our tax partners.
Invest in renewable energies
Invest in SME
With Raizers, start being a business angel!
The crowdequity covers corporate finance by the crowd through an online platform. It gives you the opportunity to become a shareholder and owner of one or more new companies, from 500 euros.
You invest the amount that you will in exchange of company shares. This money is invested directly in company's share capital or through a dedicated investment holding, with only goal is to reinvest the amount in the targeted company.
5 Good reasons to invest in private equity with Raizers
1. I allow young companies to develop
2. I invested in companies with potential high added value
3. I spread my network and meet entrepreneurs
4. This type of investment is usually accompaned by tax release system (IR/ISF in France, no tax on added value in Switzerland, etc)
5. I invest in full transparency, in a secured way, and follow my investment through an interactive tool dedicated to exchange between entrepreneurs and investors
Tax release when you invest in SMEs equity
Swiss Tax release
Capital gains realized on your investments are tax-exempt.
According to the Federal Tax Administration, dividends distributed to the shareholders by a Swiss company are returns on movable capital.
When you file your annual income tax return, you must include these coupons in your overall tax base. Dividends are also subject to the 35% withholding tax. This tax is an anticipation of income tax. The Swiss legal entity withholds and pays the dividends to the beneficiary, i.e. the investor, by deducting the 35% withholding tax.
Withholding tax can be refunded to taxpayers:
You are an individual:
You are a company:
Source: https://www.estv.admin.ch/estv/fr/home/verrechnungssteuer/verrechnungssteuer/fachinformationen/verrechnungssteuer.htm.The conditions for the refund are set out in Art. 21 to 28 “Loi fédérale sur l’impôt anticipé “
Belgian Tax release
Equity investments involve risks. The Belgian state has decided to set up, in the program law of 10 August 2005, a mechanism to reduce the amount of your investment: the tax shelter.
When you subscribe to the capital of a micro-company or a Belgian SME, you can deduct 30% or 45% of the amount of your investment from your income for the year in which your investment takes place, provided you invest:
This arrangement excludes contributions in kind. Also, the amount of contributions eligible for the tax reduction is limited to € 100,000 per taxable period and per taxpayer.
Also, you need to keep being sharehold for 4 years starting from the date of subscription.