Crowdfunding platform

Crowdfunding Platform - Wiseed review

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Wiseed is one of the biggest startup and SME investing platforms in Europe, with 500 MEUR invested and 12% annual returns.

Wiseed - Risk and return review

Risk level i
Medium
The company risk cost is relatively low on lending projects, which is around 2% with an offered interest rate it making the platform risk medium/ low, yet given that the platform offering is also Equity investing total risk of investing is Medium.
Return level i
High
The offered interest rate is up to 12%, and risk-adjusted returns are around 8%, which is high. No information on Equity projects exists.
Risk Return Level i
Good
Given well-managed risk and good returns, the risk-return level is considered good.

Wiseed - Returns and loss rates

Returns
fixed_interest: 12.00% Internal Rate of Return (IRR, net, including stressed cases): 7.55%. Target / Gross annual rates (by vintage): typically ~12%.
Loss Rates
Annualised cost of risk: 2.14% This cost reflects project delays, restructurings, and preventive or collective procedures, while extensions (“prorogations”) continue to accrue interest at the contractual rate, helping to limit return erosion.

Investment maturity

Platform offering investments from 12 months till 60 months.

Wiseed – Platform statistics 2026

Information updated at: 09 Feb 2026
Number of investors 33874 investors
1182 projects funded
590.0M EUR funded amount

Wiseed – Pros & Cons

PROS
Large platform with a wide offering
Well-described and presented projects
High returns (interest rate is up to 12% and risk-adjusted returns are around 8%)
Good risk level
CONS
Supports only the Franche language
No detailed statistics on Equity projects

About Wiseed

WiSEED is a well-established French crowdfunding and equity-investment platform (founded in 2008) that enables retail investors to support innovative startups, SMEs and real-economy projects with equity and debt investments starting from ~€100. It combines rigorous project screening with a diversified deal flow across sectors, including technology, green transition, real estate and health, and targets *attractive returns (up to ~12%) while acknowledging the inherent risks of non-listed investments.

The platform has facilitated hundreds of financing rounds and hundreds of millions of euros deployed into entrepreneurial and real-estate ventures, offering investors access to opportunities traditionally reserved for institutional capital. All investments carry the risk of partial or total capital loss and illiquidity, and returns are neither guaranteed nor standardised like listed securities.

Regulation

License / Regulation: WISEED licensed under European Crowdfunding Service Providers (ECSP) regulation

Functionality

Autoinvest: No
Deal rating: No
Secondary market: No

For Investors

Limitations: Worldwide, excluding the United States or who would make a payment with funds originating from that country, and who reside in a non-cooperative country or in a country under international sanctions, or who would make a payment with funds originating from these countries.
Minium investment: 100 EUR

For Fund Seekers

Limitations: Worldwide, excluding the United States or who would make a payment with funds originating from that country, and who reside in a non-cooperative country or in a country under international sanctions, or who would make a payment with funds originating from these countries.

Useful Information

What is WiSEED return on investment?

WiSEED has a track record of successful investments, with over 500 million euros invested in 1,052 projects since its inception in 2009. The return on investment varies based on the nature of the project, and investors can choose between options like actions (equity) or obligations (bonds) with specified returns and durations.

 

How does WiSEED get paid

WiSEED sustains its operations by charging a fee of 0.9% on invested amounts. This fee is deducted from the total investment and contributes to supporting and maintaining the platform's services.

 

What is WiSEED ?

WiSEED is a crowdfunding platform that revolutionized the investment landscape by introducing Equity Crowdfunding, allowing individuals to invest in innovative startups during their early stages.

How does WiSEED work?

WiSEED operates by providing a user-friendly platform where individuals can create an account, complete their investor profile, browse ongoing projects, and invest in opportunities that align with their preferences. The platform enables investments starting from 100€ and offers diverse options such as equity, bonds, and participatory securities.

 

Rating

Total Rating 1.0 (1)
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Offering quality 1
Services and support 1
Functionality 1
Transparency 1

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