{"id":36786,"date":"2023-10-19T11:45:03","date_gmt":"2023-10-19T09:45:03","guid":{"rendered":"https:\/\/www.smovin.app\/?page_id=36786"},"modified":"2025-08-20T10:33:04","modified_gmt":"2025-08-20T08:33:04","slug":"crowdlending-investir-immobilier-autrement","status":"publish","type":"page","link":"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/","title":{"rendered":"Investir dans l&#8217;immobilier autrement : d\u00e9couvrez le crowdlending"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"36786\" class=\"elementor elementor-36786\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15734946 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15734946\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31a1d359\" data-id=\"31a1d359\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f239f4b elementor-widget elementor-widget-video\" data-id=\"5f239f4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=2FhtGBMaYdQ&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Thumbnail-Webinar-Crowdlending.jpg&quot;,&quot;id&quot;:40395,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;Webinar Crowdlending&quot;,&quot;source&quot;:&quot;library&quot;},&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" style=\"background-image: url(https:\/\/www.smovin.app\/wp-content\/uploads\/2024\/02\/Thumbnail-Webinar-Crowdlending.jpg);\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video about Webinar Crowdlending\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1aec98ff elementor-widget elementor-widget-text-editor\" data-id=\"1aec98ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u25b6\ufe0e\u00a0 <span style=\"font-weight: 400;\">Le texte qui suit est issu du webinar &#8220;Le crowdlending : investir dans l&#8217;immobilier autrement&#8221; anim\u00e9 par Fr\u00e9d\u00e9ric L\u00e9vy Morelle de chez Look and Fin et par Corentin Jacobs de chez Smovin.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6081db4e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6081db4e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f15d1eb\" data-id=\"6f15d1eb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54a44c24 elementor-widget elementor-widget-heading\" data-id=\"54a44c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"investissement-dans-limmobilier\"><a href=\"#investissement-dans-limmobilier\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Investissement dans l\u2019immobilier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ab5bff5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ab5bff5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de8cbb\" data-id=\"0de8cbb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb39e41 elementor-widget elementor-widget-text-editor\" data-id=\"cb39e41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Il existe plusieurs fa\u00e7ons d&#8217;investir dans l&#8217;immobilier : <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f9438d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f9438d0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5806727c\" data-id=\"5806727c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-443d238 elementor-widget elementor-widget-heading\" data-id=\"443d238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"investissement-dans-la-brique\"><a href=\"#investissement-dans-la-brique\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Investissement dans la brique <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18716a72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18716a72\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-420b8890\" data-id=\"420b8890\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ab75cb6 elementor-widget elementor-widget-text-editor\" data-id=\"6ab75cb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Cela signifie que vous \u00eates investisseur \u00e0 la recherche d&#8217;un rendement locatif. Vous mettez g\u00e9n\u00e9ralement votre bien en location. Alors, vous avez une question de gestion de votre parc immobilier avec des acteurs tels que Smovin qui peuvent vous accompagner. Chez Smovin, la plupart des utilisateurs investissent dans la brique directement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18ee9a64 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18ee9a64\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-424cc425\" data-id=\"424cc425\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d14fa04 elementor-widget elementor-widget-heading\" data-id=\"2d14fa04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"investissement-dans-le-papier\"><a href=\"#investissement-dans-le-papier\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Investissement dans le papier <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1032cbbb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1032cbbb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ebe4fa7\" data-id=\"7ebe4fa7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78dd39cd elementor-widget elementor-widget-text-editor\" data-id=\"78dd39cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un autre moyen d&#8217;investir dans l&#8217;immobilier est d&#8217;investir indirectement. C&#8217;est ce qu&#8217;on appelle l&#8217;investissement sous forme de papier. Il y a plusieurs formes d&#8217;investissement. Les SIR (Soci\u00e9t\u00e9s Immobili\u00e8res R\u00e9glement\u00e9es) sont les possibilit\u00e9s les plus connues. Ces soci\u00e9t\u00e9s immobili\u00e8res r\u00e9glement\u00e9es sont cot\u00e9es et permettent d&#8217;investir sous forme de papier. Look and Fin est une autre possibilit\u00e9 d&#8217;investissement dans l&#8217;immobilier de mani\u00e8re indirecte. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15dd8ef6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15dd8ef6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10268216\" data-id=\"10268216\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1735ebfd elementor-widget elementor-widget-heading\" data-id=\"1735ebfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"qui-est-look-and-fin\"><a href=\"#qui-est-look-and-fin\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Qui est Look and Fin ? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-398c6fec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"398c6fec\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4544139f\" data-id=\"4544139f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6497c439 elementor-widget elementor-widget-text-editor\" data-id=\"6497c439\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Look and Fin est une plateforme de crowdlending. Elle permet \u00e0 la foule (crowd) d&#8217;investir dans des entreprises qui n&#8217;avaient pas vocation \u00e0 \u00eatre uniquement actives dans l&#8217;immobilier.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Look and Fin s\u2019est lanc\u00e9 en 2012-2013. \u00c0 l\u2019\u00e9poque, elle finan\u00e7ait surtout des entreprises\u00a0 PME) qui n&#8217;\u00e9taient pas actives dans l&#8217;immobilier, mais qui avaient des soci\u00e9t\u00e9s de produits ou de services avec des besoins divers et vari\u00e9s. Elle finan\u00e7ait des besoins en fonds de roulement, des investissements, etc. La soci\u00e9t\u00e9 \u00e9tait la premi\u00e8re \u00e0 se lancer en Belgique.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Apr\u00e8s plus de 10 ann\u00e9es d&#8217;activit\u00e9, elle est d\u00e9sormais la plateforme la plus importante en termes de montant lev\u00e9. 265 millions d\u2019euros ont \u00e9t\u00e9 lev\u00e9s \u00e0 ce jour pour pr\u00e8s de 600 PME, et ce, avec une forte croissance. Une croissance de plus de 100\u2009% par an a \u00e9t\u00e9 d\u00e9livr\u00e9e ces derni\u00e8res ann\u00e9es. Sur les 550 PME financ\u00e9es depuis les d\u00e9buts, plus de 110 pr\u00e9cis\u00e9ment ont \u00e9t\u00e9 financ\u00e9es depuis le d\u00e9but de l&#8217;ann\u00e9e uniquement. Sur ces 265 millions d\u2019euros lev\u00e9s, 161 millions ont d\u2019ores et d\u00e9j\u00e0 \u00e9t\u00e9 rembours\u00e9s.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Look and Fin est essentiellement active en Belgique et en France. Quelques dossiers ont \u00e9t\u00e9 financ\u00e9s au Grand-Duch\u00e9 du Luxembourg, mais c&#8217;est un march\u00e9 tr\u00e8s sp\u00e9cifique qui n\u2019a pas \u00e9t\u00e9 tr\u00e8s d\u00e9velopp\u00e9 depuis lors. La soci\u00e9t\u00e9 a \u00e9galement ouvert r\u00e9cemment aux Pays-Bas. La France est son premier march\u00e9 aujourd\u2019hui.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">La soci\u00e9t\u00e9 se qualifie de FinTech puisqu\u2019elle est assez agile. Il y a une grosse ing\u00e9nierie technique avec une plateforme IT et un CRM d\u00e9velopp\u00e9 sur-mesure.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Il existe par ailleurs des risques, mesur\u00e9s en partie gr\u00e2ce \u00e0 un KPI, le taux de d\u00e9faut. Le taux de d\u00e9faut est inf\u00e9rieur \u00e0 1,5\u2009% l\u2019an actuellement. Il se d\u00e9compose en deux parties :\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taux de d\u00e9faut act\u00e9 : 0,7\u2009%<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taux de d\u00e9faut provisionn\u00e9 : 0,8\u2009%. Ce taux de d\u00e9faut provisionn\u00e9 sert dans le cas d\u2019un dossier qui accuse un retard de paiement. Dans ce cas, une provision est act\u00e9e et se retrouve dans le taux de d\u00e9faut.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">En Belgique, Look and Fin est r\u00e9gul\u00e9 par la FSMA, gendarme des march\u00e9s belges, anciennement CBFA. Depuis 2017, Look and Fin est agr\u00e9\u00e9 au niveau europ\u00e9en. C\u2019est un agr\u00e9ment plus complexe et plus restrictif, mais qui permet d\u2019\u00e9largir l\u2019activit\u00e9 sur d\u2019autres march\u00e9s.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30eb6a0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30eb6a0d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d9f0805\" data-id=\"3d9f0805\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e863839 elementor-widget elementor-widget-heading\" data-id=\"4e863839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"les-differents-types-dinvestisseurs-et-demprunteurs\"><a href=\"#les-differents-types-dinvestisseurs-et-demprunteurs\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Les diff\u00e9rents types d\u2019investisseurs et d\u2019emprunteurs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b01fbed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b01fbed\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ea717d2\" data-id=\"7ea717d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-610db9f3 elementor-widget elementor-widget-heading\" data-id=\"610db9f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"les-investisseurs\"><a href=\"#les-investisseurs\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Les investisseurs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47a2f5ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47a2f5ee\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-39664218\" data-id=\"39664218\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ca5b4bb elementor-widget elementor-widget-text-editor\" data-id=\"5ca5b4bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les investisseurs peuvent \u00eatre de type \u201cpetits \u00e9pargnants\u201d investissant des sommes tr\u00e8s modestes, puisque l&#8217;investissement est possible d\u00e8s 100 \u20ac.\u00a0 Malgr\u00e9 des montants relativement modestes, ces personnes peuvent diversifier leur placement et se constituer un portefeuille optimal, r\u00e9pondant \u00e0 leur profil d&#8217;investisseur.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Les investisseurs peuvent \u00e9galement \u00eatre des personnes physiques ou morales, notamment des soci\u00e9t\u00e9s de management ayant des liquidit\u00e9s \u00e0 placer.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79d74b3f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79d74b3f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c1eacbc\" data-id=\"7c1eacbc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46ed28f5 elementor-widget elementor-widget-heading\" data-id=\"46ed28f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"les-emprunteurs\"><a href=\"#les-emprunteurs\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Les emprunteurs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1249cf7e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1249cf7e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-35786d4c\" data-id=\"35786d4c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-221ab02a elementor-widget elementor-widget-text-editor\" data-id=\"221ab02a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Du c\u00f4t\u00e9 des emprunteurs, il s&#8217;agit de PME europ\u00e9ennes (n\u00e9erlandaises, fran\u00e7aises, belges, \u00e9ventuellement luxembourgeoises) actives dans l&#8217;immobilier. Il s&#8217;agit souvent de professionnels de l&#8217;immobilier disposant d&#8217;un track record (historique commercial) et sp\u00e9cialis\u00e9s en tant que marchands de biens, lotisseurs ou promoteurs.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">La r\u00e8gle chez Look and Fin est de cibler les acteurs qui sont marchands de biens, c&#8217;est-\u00e0-dire que leur r\u00f4le consiste \u00e0 acheter un b\u00e2ti existant et non un terrain foncier pour y construire de nouveaux logements. Ces acteurs vont donc acqu\u00e9rir un b\u00e2ti et le r\u00e9nover (notamment de mani\u00e8re \u00e9nerg\u00e9tique en am\u00e9liorant le score PEB de l\u2019immeuble par exemple).\u00a0\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6be60710 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6be60710\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61928ed3\" data-id=\"61928ed3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b350f3b elementor-widget elementor-widget-heading\" data-id=\"6b350f3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"pourquoi-look-and-fin-plutot-que-la-banque\"><a href=\"#pourquoi-look-and-fin-plutot-que-la-banque\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Pourquoi Look and Fin plut\u00f4t que la banque ? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59a98c59 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59a98c59\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7780d4fc\" data-id=\"7780d4fc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-545dade elementor-widget elementor-widget-text-editor\" data-id=\"545dade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Le co\u00fbt :<\/b><span style=\"font-weight: 400;\"> Il y a encore plusieurs mois, voire ann\u00e9es, la banque \u00e9tait beaucoup moins ch\u00e8re que cette solution. Ce n\u2019est plus tout \u00e0 fait le cas aujourd\u2019hui d\u00fb \u00e0 la remont\u00e9e des taux. Look and Fin est plut\u00f4t ISO en termes de co\u00fbt.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>La r\u00e9activit\u00e9 :<\/b><span style=\"font-weight: 400;\"> Une personne venant chez Look and Fin et introduisant une demande de financement obtiendra une proposition de cr\u00e9dit dans les deux semaines.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>L\u2019<\/strong><b>effort propre<\/b><span style=\"font-weight: 400;\"> va \u00eatre requis. Les banques \u00e9tant excessivement r\u00e9gul\u00e9es, la BNB a \u00e9dit\u00e9 un certain nombre de r\u00e8gles. Des fonds propres minimum sont requis par la banque. Ils sont g\u00e9n\u00e9ralement de l\u2019ordre de 20 \u00e0 25\u2009%, jusqu\u2019\u00e0 30\u2009% parfois. La diff\u00e9rence est que Look and Fin va permettre \u00e0 l\u2019emprunteur d\u2019immobiliser un peu moins de fonds propres que ce qu\u2019il aurait fait avec la banque. Attention, cela ne veut pas dire que les fonds propres ne sont pas n\u00e9cessaires.\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42ada1f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42ada1f0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69366b3d\" data-id=\"69366b3d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec2f831 elementor-widget elementor-widget-heading\" data-id=\"ec2f831\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"la-diversification-du-portefeuille\"><a href=\"#la-diversification-du-portefeuille\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>La diversification du portefeuille<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1bc1d3e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1bc1d3e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74d8f7a5\" data-id=\"74d8f7a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-148e358b elementor-widget elementor-widget-text-editor\" data-id=\"148e358b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">L&#8217;id\u00e9e n&#8217;est pas d&#8217;investir dans un ou deux dossiers. La logique veut d&#8217;investir un portefeuille et de le diversifier de la mani\u00e8re la plus ad\u00e9quate possible et qui r\u00e9ponde \u00e0 son profil de risque.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00c7a veut dire quoi \u201cdiversifier\u201d ? Cela veut dire investir dans plusieurs dossiers. \u00c7a veut \u00e9galement dire investir de mani\u00e8re homog\u00e8ne, c\u2019est-\u00e0-dire r\u00e9parti de fa\u00e7on plus ou moins homog\u00e8ne entre diff\u00e9rents dossiers.<\/span><\/p><p><span style=\"font-weight: 400;\">Ensuite, la diversification peut aussi \u00eatre g\u00e9ographique. Les march\u00e9s de Look and Fin se situent en Belgique, France et Pays-Bas. Malgr\u00e9 ces pays limitrophes, la r\u00e9alit\u00e9 des diff\u00e9rents march\u00e9s est radicalement diff\u00e9rente. Par exemple, la situation aux Pays-Bas aujourd&#8217;hui n&#8217;est pas la m\u00eame que celle en Belgique.<\/span><\/p><p><span style=\"font-weight: 400;\">Le portefeuille peut \u00e9galement \u00eatre diversifi\u00e9 en termes de typologie de placement. En fonction du profil de risque de l\u2019investisseur, il va pouvoir aussi \u00e9ventuellement diviser son investissement entre du r\u00e9sidentiel, du commercial, du retail ou de la logistique.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7db32a70 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7db32a70\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70a7c621\" data-id=\"70a7c621\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68fd20c6 elementor-widget elementor-widget-heading\" data-id=\"68fd20c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le processus d\u2019analyse de demande de cr\u00e9dit\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1234a15c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1234a15c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53bd6a1b\" data-id=\"53bd6a1b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ac79582 elementor-widget elementor-widget-text-editor\" data-id=\"5ac79582\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le taux d&#8217;acceptation se traduit par un taux d&#8217;acceptation d&#8217;environ 1\u2009%. Cela signifie que sur 100 entreprises, une seule est retenue. Voici le processus :\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>D\u00e9p\u00f4t en ligne :<\/b><span style=\"font-weight: 400;\"> Look and Fin re\u00e7oit approximativement 250 demandes de financement par le biais de leur plateforme.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Analyse algorithmique et IA :<\/b><span style=\"font-weight: 400;\"> Notamment, via l&#8217;analyse des relev\u00e9s bancaires de ces entreprises. Ces entreprises donnent acc\u00e8s \u00e0 leurs relev\u00e9s de compte de mani\u00e8re enti\u00e8rement digitale. L\u2019algorithme et l\u2019IA analysent automatiquement ces comptes et retiennent 60 demandes de mani\u00e8re automatique.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Analystes financiers :<\/b><span style=\"font-weight: 400;\"> Sur ces 60, une \u00e9quipe d&#8217;analystes examine chaque dossier individuellement pour en retenir 6. Cela repr\u00e9sente un ratio de 1\/10.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comit\u00e9 cr\u00e9dit :<\/b><span style=\"font-weight: 400;\"> Sur ces 6, les s\u00fbret\u00e9s sont scrupuleusement analys\u00e9es avec une notion importante : la LTV (Loan to Value).\u00a0<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Prenons un exemple :\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Si 1000\u2009\u20ac repr\u00e9sente la valeur apr\u00e8s r\u00e9novation. Look and Fin finance la valeur du bien en l&#8217;\u00e9tat plus la partie des r\u00e9novations. Dans cet exemple de 1000\u2009\u20ac, compte tenu des marges que r\u00e9alise l\u2019acteur, le prix de revient serait environ de 800 &#8211; 850\u2009\u20ac, sur lesquels la plateforme financera 600 \u00e0 700\u2009\u20ac. La diff\u00e9rence de ces sommes sera les fonds propres.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Comment Look and Fin sait que le bien vaut 1000\u2009\u20ac apr\u00e8s travaux et que la valeur de 800\u2009\u20ac pr\u00e9sent\u00e9e aujourd\u2019hui est correcte ?\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">La soci\u00e9t\u00e9 travaille syst\u00e9matiquement avec des experts ind\u00e9pendants pour expertiser le bien. Dans l\u2019expertise, l\u2019expert va valoriser le bien en l\u2019\u00e9tat. Il analysera le bien fond\u00e9 des travaux de r\u00e9novation qui sont pr\u00e9sent\u00e9s dans le projet. Compte tenu de ces travaux, il expertisera le bien post r\u00e9novation.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7285b5e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7285b5e0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23db3160\" data-id=\"23db3160\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f72771 elementor-widget elementor-widget-heading\" data-id=\"9f72771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"une-relation-a-long-terme\"><a href=\"#une-relation-a-long-terme\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Une relation \u00e0 long terme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15f81aae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15f81aae\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30ec02c2\" data-id=\"30ec02c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10ec65dc elementor-widget elementor-widget-text-editor\" data-id=\"10ec65dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">L\u2019objectif de Look and Fin est de nouer une relation commerciale \u00e0 long terme. Les financements sont structur\u00e9s sur deux ans en moyenne. Une fois que le financement est structur\u00e9, il y a deux ans d\u2019accompagnement du porteur de projet. Un reporting a lieu chaque trimestre. Chaque fois que des ventes ont lieu, c\u2019est entre les mains du notaire et dans ce cas, Look and Fin doit donner main lev\u00e9e. De plus, le paiement des int\u00e9r\u00eats doit \u00eatre effectu\u00e9 sur base mensuelle. Il y a \u00e9norm\u00e9ment de travail et de suivi durant la p\u00e9riode du pr\u00eat. C\u2019est une bonne chose, car de cette fa\u00e7on, Look and Fin voit comment se comporte le d\u00e9biteur, comment il paie, s\u2019il est en mesure de respecter les budgets qu\u2019il avait pr\u00e9sent\u00e9s, dans quelle mesure il est capable de vendre au prix qui avait \u00e9t\u00e9 annonc\u00e9, etc.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">L\u2019objectif est de nouer des relations \u00e0 long terme avec les bons acteurs, ceux avec lesquels il y a une relation de confiance et qui d\u00e9montrent qu\u2019ils sont capables de d\u00e9livrer ce qu\u2019ils ont vendu. Dans ce cas, Look and Fin serait potentiellement amen\u00e9 \u00e0 l\u2019accompagner sur plusieurs op\u00e9rations. Il y a des clients avec qui la soci\u00e9t\u00e9 fait une dizaine d\u2019op\u00e9rations par an.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-54cbc04c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54cbc04c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40032359\" data-id=\"40032359\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a175c71 elementor-widget elementor-widget-heading\" data-id=\"4a175c71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les diff\u00e9rentes opportunit\u00e9s d'investissement \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73448fdd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73448fdd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5bcaecf2\" data-id=\"5bcaecf2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3638a059 elementor-widget elementor-widget-text-editor\" data-id=\"3638a059\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Il y a un syst\u00e8me de scoring propre \u00e0 Look and Fin, qui se subdivise en trois produits : A pour secured, B pour balanced et C pour dynamique. Cela correspond \u00e0 une classe de risque, et le candidat investisseur peut acc\u00e9der \u00e0 toutes les opportunit\u00e9s en fonction de ses pr\u00e9f\u00e9rences.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42a73e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42a73e6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ef0ec77\" data-id=\"4ef0ec77\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76b48e65 elementor-widget elementor-widget-heading\" data-id=\"76b48e65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"les-a-secured\"><a href=\"#les-a-secured\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Les A (secured) <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c8e51e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c8e51e5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-201c8bda\" data-id=\"201c8bda\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cd13f6f elementor-widget elementor-widget-text-editor\" data-id=\"2cd13f6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ce sont les produits qui s\u2019adressent aux personnes qui sont les plus averses au risque donc les personnes qui ne sont pas pr\u00eates \u00e0 prendre du risque. Elles vont b\u00e9n\u00e9ficier d\u2019un rendement qui peut aller de 5,25\u2009% \u00e0 8\u2009% l\u2019an.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Cette cat\u00e9gorie se subdivise en deux cat\u00e9gories : A+ et A.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Les A+ sont des pr\u00eats pour lesquels le capital est 100\u2009% assur\u00e9. Cela signifie que la compagnie d&#8217;assurance tierce, une des majeures en Europe appel\u00e9e Atradius, va couvrir \u00e0 100 % le risque. Ainsi, la personne qui investit b\u00e9n\u00e9ficiera d&#8217;un rendement entre 5,25 % et 6,25 % brut l&#8217;an. Son risque n&#8217;est plus du tout li\u00e9 \u00e0 l&#8217;immeuble financ\u00e9, mais plut\u00f4t au risque de la compagnie d&#8217;assurance, qui est not\u00e9e A1 par Moody&#8217;s, une note similaire \u00e0 celle de Belfius Banque belge. En cas de d\u00e9faut de paiement, il suffit de deux \u00e9ch\u00e9ances impay\u00e9es pour que Atradius indemnise imm\u00e9diatement dans les 20 jours 100\u2009% du capital restant d\u00fb ainsi que les int\u00e9r\u00eats des deux mois \u00e9chus.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Les A sont pour ceux qui veulent prendre un peu plus de risque. Le rendement sera entre 7\u2009% et 8\u2009% brut l&#8217;an. Ce type de placement ne b\u00e9n\u00e9ficie pas de l&#8217;assurance Atradus, mais dispose d\u2019une garantie hypoth\u00e9caire de premier rang sur l&#8217;immeuble financ\u00e9. En cas de d\u00e9faut de paiement, nous allons r\u00e9aliser la s\u00fbret\u00e9. Look and Fin dispose d&#8217;une marge de man\u0153uvre suffisante pour vendre le bien en vente forc\u00e9e et r\u00e9cup\u00e9rer ainsi le capital et les int\u00e9r\u00eats.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7479fe42 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7479fe42\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6fbbc678\" data-id=\"6fbbc678\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45641fd elementor-widget elementor-widget-heading\" data-id=\"45641fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"les-b-balanced\"><a href=\"#les-b-balanced\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Les B (balanced) <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cb36f88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cb36f88\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30814f3a\" data-id=\"30814f3a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5efff603 elementor-widget elementor-widget-text-editor\" data-id=\"5efff603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pour ceux qui cherchent des rendements plus \u00e9lev\u00e9s, il y a les produits B, qui sont un peu plus risqu\u00e9s, mais avec un rendement de 8 % \u00e0 9,5 % l&#8217;an. Ces produits ont soit une garantie publique sur 30 % du capital (en cas de d\u00e9faut de paiement, la r\u00e9gion dans laquelle vous habitez vous indemnisera \u00e0 hauteur de 30\u2009%), soit une garantie hypoth\u00e9caire de deuxi\u00e8me rang (avec des Loan to Value plus basse). Le risque est plus important, mais le rendement \u00e9galement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c12efb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c12efb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-786930e\" data-id=\"786930e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af3646b elementor-widget elementor-widget-heading\" data-id=\"af3646b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les C (dynamic)\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-35f68d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35f68d3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b3d1176\" data-id=\"b3d1176\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a6e508 elementor-widget elementor-widget-text-editor\" data-id=\"6a6e508\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les dossiers C (dynamic) sont moins fr\u00e9quents, mais r\u00e9pondent \u00e0 une demande de ceux qui cherchent \u00e0 booster leur rendement (de 9,5% \u00e0 11% l&#8217;an). Dans ce cas, il n&#8217;y a pas de s\u00fbret\u00e9 hypoth\u00e9caire. Ce sont plut\u00f4t des s\u00fbret\u00e9s mobili\u00e8res, comme des gages sur cr\u00e9ances ou des gages sur fonds de commerce.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b848646 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b848646\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-93a52e0\" data-id=\"93a52e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8310f57 elementor-widget elementor-widget-heading\" data-id=\"8310f57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"pourquoi-investir-en-crowdlending\"><a href=\"#pourquoi-investir-en-crowdlending\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Pourquoi investir en crowdlending ? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-09271a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"09271a5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fc1ea5\" data-id=\"1fc1ea5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7c6dd2 elementor-widget elementor-widget-text-editor\" data-id=\"d7c6dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En g\u00e9n\u00e9ral, ce que les gens oublient de faire, c\u2019est de regarder les co\u00fbts li\u00e9s aux produits de placement, car ils sont g\u00e9n\u00e9ralement \u00e9crits en tout petit sur le prospectus. Sur des placements traditionnels, il y a souvent des frais d\u2019entr\u00e9e, des frais de gestion, des frais de taux de change et des frais de sortie.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Par exemple, sur un fonds obligataire euro souscrit aupr\u00e8s d\u2019une des principales banques belges, les frais d\u2019entr\u00e9e seront entre 2 et 3\u2009% et les frais de gestion seront de l\u2019ordre de 1,6 &#8211; 1,8\u2009% chaque ann\u00e9e. La solution de Look and Fin, au-del\u00e0 du rendement, est 100\u2009% gratuite. Le business mod\u00e8le est quasiment exclusivement \u00e0 la charge de l&#8217;\u00e9metteur (celui qui va emprunter).\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2247eb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2247eb5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70b7092\" data-id=\"70b7092\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf76615 elementor-widget elementor-widget-heading\" data-id=\"bf76615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"la-problematique-du-peb\"><a href=\"#la-problematique-du-peb\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>La probl\u00e9matique du PEB<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7261ccb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7261ccb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64c6ab9\" data-id=\"64c6ab9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8aa5456 elementor-widget elementor-widget-text-editor\" data-id=\"8aa5456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les propri\u00e9taires et les futurs acqu\u00e9reurs aujourd\u2019hui sont vraiment sensibilis\u00e9s \u00e0 la probl\u00e9matique du PEB.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Il y a un roadmap au niveau europ\u00e9en avec un horizon \u00e0 2050 o\u00f9 le score \u00e9nerg\u00e9tique doit r\u00e9ellement \u00eatre am\u00e9lior\u00e9. Il faudra financer tout cela. Les banques ont \u00e9videmment un r\u00f4le crucial \u00e0 jouer, mais Look and Fin a aussi un r\u00f4le \u00e0 jouer. La plateforme est tr\u00e8s consciente de cette probl\u00e9matique et ses investisseurs en parlent tous les jours. Ils souhaitent non seulement du rendement, mais aussi donner du sens \u00e0 leur \u00e9pargne et investir dans l\u2019\u00e9conomie r\u00e9elle tout en ayant du sens.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Look and Fin dispose d\u2019une roadmap qui consiste \u00e0 se demander \u201cO\u00f9 est-ce qu\u2019on veut \u00eatre \u00e0 l\u2019horizon 2030 en termes de production de cr\u00e9dit utiles \u00e0 l\u2019am\u00e9lioration du score \u00e9nerg\u00e9tique du b\u00e2ti ?\u201d\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">En 2022, 30\u2009% des cr\u00e9dits chez Look and Fin ont servi \u00e0 am\u00e9liorer le score \u00e9nerg\u00e9tique des b\u00e2timents. Concernant le roadmap, la soci\u00e9t\u00e9 esp\u00e8re qu\u2019\u00e0 l\u2019horizon 2030, elle puisse avoir 70 \u00e0 80\u2009% de leurs cr\u00e9dits qui servent \u00e0 \u00e7a.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07a4e1a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07a4e1a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fdab355\" data-id=\"fdab355\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9de4b58 elementor-widget elementor-widget-heading\" data-id=\"9de4b58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" class=\"elementor-heading-title elementor-size-default\" id=\"presentation-de-smovin\"><a href=\"#presentation-de-smovin\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Pr\u00e9sentation de Smovin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bf06b46 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf06b46\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5fa3247\" data-id=\"5fa3247\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4271376 elementor-widget elementor-widget-text-editor\" data-id=\"4271376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Smovin est une plateforme qui va aider les investisseurs qui ont investi dans l&#8217;immobilier, donc en immobilier brique \u00e0 administrer leur patrimoine.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">La plateforme a trois grandes missions :\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Centraliser toutes les donn\u00e9es et les documents relatifs \u00e0 la gestion immobili\u00e8re,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jouer un r\u00f4le d&#8217;assistant digital pour automatiser le suivi des paiements des loyers, la r\u00e9alisation des indexations, le calcul des indexations, etc.,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reporting pour aider le propri\u00e9taire \u00e0 avoir une vue d&#8217;ensemble sur son patrimoine.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Smovin propose des d\u00e9monstrations gratuites en visioconf\u00e9rence de la plateforme.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">N\u2019h\u00e9sitez pas \u00e0 faire des demandes de d\u00e9monstrations via notre site internet.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u25b6\ufe0e&nbsp; Le texte qui suit est issu du webinar &#8220;Le crowdlending : investir dans l&#8217;immobilier autrement&#8221; anim\u00e9 par Fr\u00e9d\u00e9ric L\u00e9vy [&hellip;]<\/p>\n","protected":false},"author":208846801,"featured_media":0,"parent":17455,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"cybocfi_hide_featured_image":"","footnotes":""},"categories":[6435],"tags":[6535],"class_list":["post-36786","page","type-page","status-publish","hentry","category-blog","tag-webinar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9couvrez notre webinar sur le crowdlending<\/title>\n<meta name=\"description\" content=\"Gr\u00e2ce \u00e0 ce webinar sur le crowdlending, vous en apprendrez plus sur cette nouvelle fa\u00e7on d&#039;investir dans l&#039;immobilier avec des experts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9couvrez notre webinar sur le crowdlending\" \/>\n<meta property=\"og:description\" content=\"Gr\u00e2ce \u00e0 ce webinar sur le crowdlending, vous en apprendrez plus sur cette nouvelle fa\u00e7on d&#039;investir dans l&#039;immobilier avec des experts.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/\" \/>\n<meta property=\"og:site_name\" content=\"Smovin | Focus on what really matters\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-20T08:33:04+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/webinars\\\/crowdlending-investir-immobilier-autrement\\\/\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/webinars\\\/crowdlending-investir-immobilier-autrement\\\/\",\"name\":\"D\u00e9couvrez notre webinar sur le crowdlending\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#website\"},\"datePublished\":\"2023-10-19T09:45:03+00:00\",\"dateModified\":\"2025-08-20T08:33:04+00:00\",\"description\":\"Gr\u00e2ce \u00e0 ce webinar sur le crowdlending, vous en apprendrez plus sur cette nouvelle fa\u00e7on d'investir dans l'immobilier avec des experts.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/webinars\\\/crowdlending-investir-immobilier-autrement\\\/#breadcrumb\"},\"inLanguage\":\"fr-be\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/webinars\\\/crowdlending-investir-immobilier-autrement\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/webinars\\\/crowdlending-investir-immobilier-autrement\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Nos webinars\",\"item\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/webinars\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Investir dans l&#8217;immobilier autrement : d\u00e9couvrez le crowdlending\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#website\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/\",\"name\":\"Smovin | Focus on what really matters\",\"description\":\"Application de gestion locative puissante et intuitive pour investisseurs immobiliers.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-be\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#organization\",\"name\":\"Smovin\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-be\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/LogoSmovinColors.svg\",\"contentUrl\":\"https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/LogoSmovinColors.svg\",\"width\":540,\"height\":103,\"caption\":\"Smovin\"},\"image\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"D\u00e9couvrez notre webinar sur le crowdlending","description":"Gr\u00e2ce \u00e0 ce webinar sur le crowdlending, vous en apprendrez plus sur cette nouvelle fa\u00e7on d'investir dans l'immobilier avec des experts.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/","og_locale":"fr_FR","og_type":"article","og_title":"D\u00e9couvrez notre webinar sur le crowdlending","og_description":"Gr\u00e2ce \u00e0 ce webinar sur le crowdlending, vous en apprendrez plus sur cette nouvelle fa\u00e7on d'investir dans l'immobilier avec des experts.","og_url":"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/","og_site_name":"Smovin | Focus on what really matters","article_modified_time":"2025-08-20T08:33:04+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/","url":"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/","name":"D\u00e9couvrez notre webinar sur le crowdlending","isPartOf":{"@id":"https:\/\/www.smovin.app\/fr-be\/#website"},"datePublished":"2023-10-19T09:45:03+00:00","dateModified":"2025-08-20T08:33:04+00:00","description":"Gr\u00e2ce \u00e0 ce webinar sur le crowdlending, vous en apprendrez plus sur cette nouvelle fa\u00e7on d'investir dans l'immobilier avec des experts.","breadcrumb":{"@id":"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/#breadcrumb"},"inLanguage":"fr-be","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.smovin.app\/fr-be\/webinars\/crowdlending-investir-immobilier-autrement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.smovin.app\/fr-be\/"},{"@type":"ListItem","position":2,"name":"Nos webinars","item":"https:\/\/www.smovin.app\/fr-be\/webinars\/"},{"@type":"ListItem","position":3,"name":"Investir dans l&#8217;immobilier autrement : d\u00e9couvrez le crowdlending"}]},{"@type":"WebSite","@id":"https:\/\/www.smovin.app\/fr-be\/#website","url":"https:\/\/www.smovin.app\/fr-be\/","name":"Smovin | Focus on what really matters","description":"Application de gestion locative puissante et intuitive pour investisseurs immobiliers.","publisher":{"@id":"https:\/\/www.smovin.app\/fr-be\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.smovin.app\/fr-be\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-be"},{"@type":"Organization","@id":"https:\/\/www.smovin.app\/fr-be\/#organization","name":"Smovin","url":"https:\/\/www.smovin.app\/fr-be\/","logo":{"@type":"ImageObject","inLanguage":"fr-be","@id":"https:\/\/www.smovin.app\/fr-be\/#\/schema\/logo\/image\/","url":"https:\/\/www.smovin.app\/wp-content\/uploads\/2021\/07\/LogoSmovinColors.svg","contentUrl":"https:\/\/www.smovin.app\/wp-content\/uploads\/2021\/07\/LogoSmovinColors.svg","width":540,"height":103,"caption":"Smovin"},"image":{"@id":"https:\/\/www.smovin.app\/fr-be\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/pages\/36786","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/users\/208846801"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/comments?post=36786"}],"version-history":[{"count":1,"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/pages\/36786\/revisions"}],"predecessor-version":[{"id":63028,"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/pages\/36786\/revisions\/63028"}],"up":[{"embeddable":true,"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/pages\/17455"}],"wp:attachment":[{"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/media?parent=36786"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/categories?post=36786"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smovin.app\/fr-be\/wp-json\/wp\/v2\/tags?post=36786"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}