Stomea - Risk and return review
Stomea - Returns and loss rates
Stomea – Platform statistics 2026
3000
investors
Stomea – Pros & Cons
About Stomea
What it is
Stomea is a small French property crowdfunding platform based near Lyon. Investors lend to property developers and dealers across France by buying bonds, from €100. It funded its first projects in 2023. Its performance table shows €42.9 million lent across 96 projects, of which 53 projects (€19.75 million) have been repaid in full (updated 2 October 2026). The home page reports more than 3,000 registered investors (October 2026).
How it works
Each project raises money through a bond issue. You choose projects yourself; there is no automatic investing. Terms are short, 3 to 15 months per project, and loans made in 2025 and 2026 average about 8.5 months, weighted by size. Depending on the project, interest is paid regularly or in one sum at the end, and your capital comes back at the agreed date. You are a lender, not an owner: if the property rises in value, you receive only your interest. French residents have 30% tax withheld from the interest.
Returns
Projects since 2023 carry an average interest rate of 10.58% a year, weighted by size (performance table, 2 October 2026). This is the rate written into the bond contracts, before tax, not a return measured after any losses. The same table shows a slightly different 'average weighted yield' of 10.64% without explaining the difference. Rates have edged up by year: 10.37% for 2023 loans, 10.66% for 2024, 10.71% for 2025 and 10.83% for 2026. €2.04 million of interest has been paid to investors so far. The home page now shows an 11% historical average return.
Losses and defaults
No project has been recorded as a definitive loss so far (2 October 2026). But some of the money is late. Five projects with €2.19 million still owed are more than six months late or in court proceedings: four 2024 loans (€1.47 million) more than six months late, and one 2023 loan (€720,000, nothing repaid) in collective or court proceedings. That is 5.11% of all money lent, or 11.75% of the €18.66 million still outstanding (calculated from the platform's own figures). Another five 2025 loans (€1.67 million) are up to six months late, so about a fifth of outstanding capital is off schedule.
Stomea does not define what it counts as late, in default or lost, and publishes no recovery figures. The platform is young and its loans are short, so few problem cases have run their course yet, and losses could end up higher than zero.
What secures your money
Stomea states that every project carries security, chosen to suit the deal: a mortgage, a fiducie (the property or shares held in trust for lenders), a personal guarantee or an on-demand guarantee from a parent company. It also states plainly that the capital is not guaranteed despite this security. The details for each project, including how much is lent against the property's value, are on each offer, which registered users can see; no overall loan-to-value figure is published. There is no buyback, reserve fund or compensation scheme, and no recovery has yet been reported. In plain words: every loan has security behind it, but that security has not yet been tested on a failed project.
Who runs it and its licence
The platform is run by Blocks SAS, trading as Stomea (SIREN 912 098 787, Lyon trade register), set up on 1 April 2022 with €150,000 of share capital and a small team of three to five people. It is authorised by France's market regulator, the AMF, as a crowdfunding service provider under the EU crowdfunding regulation since 23 May 2023 (number FP-2023-4). No regulator warning or action against it was found. The company reported a net profit of €358,000 for 2025 and €140,000 for 2024; it does not publish audited accounts. Capsens, which supplies the technical platform, is named in the terms to take over servicing if Stomea stops trading.
Fees
Investors pay no fees: the home page states €0 of fees for the investor. Stomea is paid by the developers and does not publish how much. On interest, French residents pay the 30% flat tax.
Getting your money out
You cannot sell early. There is no secondary market, and the platform warns that the bonds are illiquid. Your money comes back when the developer repays, which for late projects has taken more than six months beyond the agreed date. Cash in your payment account can be withdrawn.
Our view
Return: High — projects since 2023 carry an average contract rate of 10.58% a year. Risk: Very low (higher means more risk) — nothing has been lost yet, and Stomea states that every project carries security. Still, default categories are not defined and 11.75% of outstanding capital is already more than six months late or in proceedings on a young book, so losses could end up higher than zero. Risk-return: Very high — a high contract rate on short, secured property loans against a very low level of risk so far, on a track record of three years.
Regulation
License / Regulation: Blocks SAS, trading as Stomea (SIREN 912 098 787, France), is authorised by the French market regulator, the AMF, as a crowdfunding service provider under Regulation (EU) 2020/1503 since 23 May 2023 (number FP-2023-4). It is registered with the French banking supervisor (ACPR) as a payment services agent of Lemonway (REGAFI 724922). Investments are not covered by any guarantee or compensation scheme.
Functionality
For Investors
Useful Information
Yes. Blocks SAS, which runs Stomea, is authorised by France's market regulator, the AMF, as a crowdfunding service provider since 23 May 2023 (FP-2023-4). Regulation does not protect you from losses on the bonds.
Lemonway, a French payment institution supervised by the ACPR, holds your money in a payment account in your name, not on Stomea's balance sheet. No compensation scheme covers it.
€100 per project, according to the home page (October 2026). Earlier the invest page gave €1,000, so check the project page before subscribing.
Projects since 2023 carry an average contract rate of 10.58% a year, and €2.04 million of interest has been paid. No project has been recorded as a loss, but on 2 October 2026 €2.19 million (5.11% of all money lent, 11.75% of what is still outstanding) was more than six months late or in court proceedings.
Stomea states that every project carries security, depending on the deal: a mortgage, a fiducie (assets held in trust), a personal guarantee or an on-demand guarantee from a parent company. The details, including the loan-to-value, are on each offer for registered users. The capital is not guaranteed, there is no buyback or reserve fund, and no recovery has yet been reported.
No. There is no secondary market, so your money stays in a project until the developer repays, which for late projects has taken more than six months beyond the agreed date. Cash not yet invested can be withdrawn.
None: the platform states €0 of fees for investors and is paid by the developers. French residents have 30% tax withheld from interest.
If a developer fails, Stomea can enforce the project's security and pursue the debt through the courts, which can take years and may return less than you lent. If Stomea stops trading, its terms name Capsens to take over servicing, and your cash stays in your Lemonway account.
