Roier - Risk and return review
Roier - Returns and loss rates
Roier – Platform statistics 2026
Roier – Pros & Cons
About Roier
What it is
ROIER is a young Czech platform where private investors lend to housing cooperatives and property developers against real estate, and since 2026 also buy into rental-property projects. It is backed by former managers of large Czech financial groups and has run crowdfunding loans since 2024. It reports CZK 750 million of projects, more than 300 projects funded and CZK 120 million paid to investors (home page, November 2026).
How it works
You register online and invest from CZK 1,000 per project. Loans carry a rating from AAA to C and a fixed rate; on 1 November 2026 the open offers were a senior loan at 7% a year (rating A, 24 months), a junior loan at 11% (rating B, 24 months) and an equity project with an expected return of 8.1% to 12.5% a year over three years, paid as quarterly rent. Since 30 October 2026 you can extend an investment on the same terms when a borrower asks for more time, after the project is approved again.
Returns
The home page shows an average return of 9% a year on investments. The figure is rounded, undated and not defined; it is most likely the average contract interest rate before defaults. No return after losses is published, and the equity project's 8.1-12.5% is an expectation, not a promise.
Losses and defaults
Under the EU crowdfunding rules ROIER reports that 3 of 36 loans it monitored defaulted in 2025, a default rate of 8.3% by number of loans. By rating: 1 of 8 A-rated loans (12.5%), 1 of 23 BB-rated (4.3%) and 1 of 5 B-rated (20.0%). A loan counts as defaulted when it is more than 90 days late, insolvent or unlikely to pay. 2025 is the first year that can be measured, the sample is small, and the platform expects 5.0% for 2026. Earlier press statements by the founder that no project had repayment problems no longer hold. No written-off amount or realised loss is published.
What secures your money
Loans are secured on Czech flats and houses, mostly for housing cooperatives and developers. According to the founder in press interviews, a loan usually has a first and only mortgage on the property, a notarial deed in which the borrower consents to direct enforcement, and a deposit of three months' interest. Some loans are junior, ranking behind another lender, and pay more for that (11% a year on an open junior loan, November 2026). Equity projects, such as the rental-property offer Housing alfa, give you a share in the project and are not secured. There is no buyback or reserve fund described. No loan-to-value overview or recovery figures are published, and the three loans that defaulted in 2025 have no published outcome yet.
Who runs it and its licence
The platform is run by ROIER Invest, s.r.o. (company number 177 80 977), Prague 3. The Czech National Bank authorised it as a European crowdfunding service provider by decision 2023/140871/CNB/650 of 3 November 2023, for loans, and extended the licence to equity-type crowdfunding in 2026. No compensation scheme covers the investments.
Fees
No investor fee list is shown on ROIER's public pages (November 2026), so check the documents of each offer before investing. Some current offers come with a CZK 1,000 bonus on your investment.
Getting your money out
Investments can be offered for sale to other investors on the platform's bulletin board, if a buyer is found; an investment being extended cannot be sold until the extension starts. Otherwise your money comes back at maturity, typically 24 months for current loans and about three years for the equity project.
Our view
Return: Medium. The average return of investments is 9% a year (undated). Risk: Medium (higher means more risk). 3 of 36 loans (8.3%) defaulted in 2025; loans have a first mortgage, but the platform is young and publishes no loss or recovery figures. Risk-return: Medium.
Regulation
License / Regulation: ROIER Invest, s.r.o. (company number 177 80 977) is authorised by the Czech National Bank as a European crowdfunding service provider under Regulation (EU) 2020/1503, decision 2023/140871/CNB/650 of 3 November 2023 (loan-based crowdfunding), extended to equity-type crowdfunding in 2026. No deposit guarantee or investor compensation scheme covers the investments.
Functionality
For Investors
Useful Information
Yes. The Czech National Bank authorised ROIER Invest, s.r.o. as a European crowdfunding service provider on 3 November 2023 (decision 2023/140871/CNB/650) and extended the licence to equity crowdfunding in 2026.
Money waits in your investment wallet on the platform; the institution holding it is not named on the public pages. Invested money is lent to the borrower or held as a project share, with no compensation scheme.
CZK 1,000 per project.
The home page shows an average return of 9% a year (undated). 3 of 36 loans defaulted in 2025 (8.3%); no written-off amount is published (November 2026).
Loans are secured on residential property, usually with a first mortgage, a notarial deed allowing direct enforcement and a three-month interest deposit, according to the founder. Junior loans rank behind another lender, and equity projects are not secured.
You can offer an investment for sale on the platform's bulletin board, if another investor buys it. Otherwise you wait until maturity, about 24 months for current loans.
No investor fee list is shown on the public pages (November 2026); check the documents of each offer.
If a borrower fails, the mortgage and the enforcement deed allow the property to be sold, which takes time. Your loans are claims on the borrowers, not on ROIER. No compensation scheme applies.
Since 30 October 2026, when a borrower wants more time and ROIER's investment committee approves the project again, you can keep your money in at the same interest rate with a later maturity date. It is optional.
