Look&Fin - Risk and return review
Look&Fin - Returns and loss rates
Investment maturity
Look&Fin – Platform statistics 2026
10000
investors
Look&Fin – Pros & Cons
About Look&Fin
Look&Fin is a Belgium-based crowdlending platform founded in 2012, focused mainly on real estate-backed lending opportunities. Through the platform, investors provide loans to professional real estate developers, property investors, and companies financing residential, commercial, renovation, transformation, or patrimonial real estate projects. The platform operates primarily in Belgium and France, while projects may also be located across the wider European market. Look&Fin is regulated under the European Crowdfunding Service Provider framework and is registered with the Belgian FSMA.
For investors, Look&Fin’s strongest advantage is the quality and depth of project information. Projects are generally very well described, with clear explanations of the borrower, financing purpose, project structure, repayment source, security package, loan-to-value ratio, maturity, and key risk factors. This makes the platform especially useful for investors who want to understand not only the potential return, but also the underlying asset, guarantees, and downside risks before investing.
The platform offers fixed-term loan investments, usually linked to real estate projects. According to Look&Fin, published opportunities offer annual gross returns of around 4.25% to 7.5%, depending on the project type, risk profile, and guarantees. The minimum investment starts from €100, making the platform accessible for retail investors who want to diversify across multiple loans.
Look&Fin has reached significant scale. Its official statistics show more than €439 million financed since launch, with over €317 million already repaid to investors. The platform also reports a default rate of 1.52%, plus expected losses in recovery cases, which investors should consider when assessing risk.
Risk management is one of the key areas investors should analyse. Many Look&Fin projects include protections such as first-rank mortgages, fiduciary security, regional guarantees, or capital insurance on selected loans, but this does not make investments risk-free. Capital is typically locked until maturity, and Look&Fin states that there is currently no secondary market for early exit. Therefore, the platform is best suited for investors who are comfortable with illiquid real estate debt and who can diversify across many projects to reduce single-project risk.
Regulation
License / Regulation: Authorised European Crowdfunding Service Provider (ECSP). Supervised by the FSMA in Belgium.
Functionality
For Investors
Useful Information
Investing through Look&Fin involves risks such as borrower default, delays in repayments, and potential loss of capital. The platform mitigates these risks by providing a detailed risk assessment and assigning risk classes to each project. Investors are advised to diversify their investments and review the risk ratings before committing funds.
Registration and investing are free of charge for individual investors. For corporate investors, a one-time setup fee of 1.5% applies, together with an annual management fee of 0.40% calculated on the outstanding invested amount.
Investors’ funds are first pooled within a dedicated Special Purpose Vehicle (SPV). Once the financing round is completed and all conditions are met, the SPV disburses the funds to the project owner in accordance with the financing agreement. This structure allows multiple investors to participate in a single financing operation through a single investment vehicle.
Executive Management
● Frédéric Lévy Morelle (CEO) – Founder and Chief Executive Officer. Frédéric previously worked as a Business Analyst in tax and management consulting before joining investment funds Theodorus and Sherpa Invest as Investment Manager. He also gained experience in corporate finance and serves as director of several innovative companies. He holds degrees from Solvay Brussels School in Business Engineering and Tax Management.
● Dominique Wroblewski (COO) – Chief Operating Officer and serial entrepreneur. Dominique co-founded and scaled major e-commerce businesses including Grosbill.com (which grew to approximately €80 million in revenue) and Yakarouler.com. He brings extensive expertise in digital platforms, operational scalability and business development.
● Maxime Housiaux (Chief Marketing Officer) – Chief Marketing Officer. Maxime previously worked in communications and served as Head of Sponsoring at BNP Paribas Fortis. He oversees marketing, communication and brand development activities.
● Malik Slos (Head of Sales – France) – Leads the platform’s French real estate financing activities. Having joined Look&Fin in 2018 and previously managed the credit analysis department, he oversees business origination, project selection and relationships with developers and external stakeholders. He graduated from Solvay Brussels School of Economics and Management.
Credit, Risk & Legal Team The platform’s investment selection and monitoring process is managed by experienced professionals with backgrounds in banking, finance, law and real estate.
● Jeroen Verstuyft (Head of Lending) previously spent seven years at ING Group as Relationship Manager for SMEs and large companies and specializes in corporate and real estate finance.
● Thierry Dewaele (Head of Risk & Legal) brings more than 20 years of experience at ING Belgium across Corporate Finance, Acquisition & Leverage Finance and Credit Risk Management.
● Ayoub Merfouk (Head of Credit Analysis) leads the credit analysis team and specializes in real estate financing.
● The lending team is further strengthened by experienced credit analysts, legal professionals and real estate experts, including former lawyers, architects and finance specialists who assess projects from financial, legal, technical and urban-planning perspectives.
Yes. Look&Fin regularly operates referral programmes and investor loyalty initiatives, subject to applicable terms and conditions.
Look&Fin applies a comprehensive post-funding monitoring process designed to protect investors throughout the life of each investment. Following disbursement, borrowers are subject to ongoing monitoring by dedicated credit and portfolio management teams. Repayments are tracked continuously through automated payment collection systems and internal monitoring tools.
Any deterioration in payment behaviour is identified at an early stage, allowing the team to intervene proactively. In the event of a payment delay, Look&Fin immediately initiates a recovery process, including direct contact with the borrower, reminder notices and, where necessary, formal enforcement procedures.
For real estate-backed financings, the platform generally structures transactions with robust security packages, such as first-ranking mortgages, fiduciary security interests, pledged assets, personal or corporate guarantees, or credit insurance depending on the risk profile of the project. These security arrangements are established before funding and may be enforced if the borrower defaults.
Certain investments also benefit from external credit insurance covering up to 100% of the invested capital. In such cases, investors may be compensated directly by the insurer if specific default conditions are met.
More broadly, Look&Fin actively monitors all projects in its portfolio and, where necessary, takes the appropriate legal, contractual and recovery actions to protect investors’ interests and maximize recoveries. This includes the enforcement of collateral, participation in restructuring proceedings and management of insolvency or liquidation procedures when required. As a result, risk management continues throughout the entire life cycle of the investment and does not stop once the funding round has been completed.
