Share
100.000 €
100% funded by 745 investors
In-Vest II
Almeirim, PT
instalment
monthly
term
16 months
yearly interest
5.6%
risk rating
B-
Rehabilitation of ruins for affordable and efficient housing.
Description
This campaign's promoter aims to provide affordable access to energy-efficient housing through the rehabilitation of ruins.
This is the second campaign to finance the rehabilitation of a ruin in the center of Almeirim. The promoter previously raised 100.000€ in In-Vest I.
To contribute to solutions for the housing crisis in Portugal, the promoter wants to use inactive housing stock and make it available to the economic classes where housing is most lacking, such as the middle and lower middle classes. The promoter is committed to ensuring that these properties, once refurbished, will have high energy efficiency and other environmental measures, such as:
- production of electricity through photovoltaic panels,
- no fossil fuel consumption,
- electric car charger,
- equipment to reduce water consumption,
- rainwater recovery tank,
- space for an organic vegetable garden
- at least 2 fruit trees
When the property is sold or rented out, future owners/renters participate in a session on the importance of saving water and energy.
As part of its refurbishment concept, In-Vest is committed to choosing materials made in Portugal that are long-lasting, wherever possible, and a tree is planted for each refurbished ruin.
The Impact
Direct
- Improve housing quality and affordability: With the funds from this campaign, In-vest will rehabilitate a ruin in the municipality of Almeirim, improving its energy efficiency and thermal comfort, while enabling the two-bedroom unit to be inhabited once again, with affordable prices.
- Improve resource use efficiency and thermal comfort: 94 square meters will be rehabilitated with the funds of this campaign, focusing on improvements in energy and water efficiency and thermal comfort. The improvements include installing class-A efficiency windows, taps, and toilet flushing with lower water flow and flushing with two capacities, second ceilings, doors substitution to avoid temperature loss, substitution of gas equipment by electric, and installation of solar panels for self-consumption energy production. The rehabilitation can also include electric vehicle chargers, a deposit for rainwater recovery and use, a prepared space for community vegetable gardens and fruit trees.
- Commitment to local production and durable materials: In-vest commits to prioritize materials produced in Portugal and that is on long-term durability in their renovations.
Indirect
- Contribution to housing availability and access: Through In-vest’s activity, 66 housing units have been rehabilitated and sold, and 6 other housing units are currently rented out. Through their activity, they contribute to increasing housing quality and focus on affordable rent and selling prices. Currently, 16 people are living in the rented units, and over 190 people are estimated to be living in the units that were sold after renovation.
- Awareness of water and energy saving for daily life: In-vest informs and supports future owners/renters about the importance of saving water and energy, explaining the benefits of using Portuguese-sourced materials, LED lamps, avoiding gas equipment, about the efficient functioning of solar panels and use of equipment during day time, about water saving measures such as using “eco” programs on washing machines and of saving the cold water before the shower to use in the garden or the toilet.
- Promoting opportunities and economic participation for women: Joana Pereira is the administrator of the promoter company, In-Vest, and places gender equality as an important pillar of its activities. In addition, the team working on the renovations is made up mostly of women, with women architect and engineer.
Contribution to the Sustainable
Development Goals
Sustainable Development Goals
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Financial viability
Interest will be paid every month with no co-financing. The repayment plan for this investment will be made in the 11th month after the start of the payment plan.
Download the Financial Statements for the promoter here
Download Key Investment Information Sheet
Guarantees
Loans granted to the promoter PRQO, LDA by investors will have the following guarantees, provided for in the loan agreements associated with the campaign:
- Second mortgage on a building owned by the company located in Sintra, registered in CRP with the nr 2647.
The Promoter
About PRQO, Lda
Lisbon-based In-Vest's mission is to put investment at the service of improving sustainable housing for the middle and lower middle classes.
The promoter is aware that 71.93% of the Portuguese population earns between €10,000 and €40,000 a year (IRS_2019_2021.pdf)and the financial effort that housing rehabilitation could represent for these families. However, since this economic class concentrates most of the population the promoter will be able to maximize its impact in the real estate area by catering to them.
In-Vest aims to contribute to a world where there is an investment in energy efficiency in homes that will be resold or rented out to the lower-middle or middle classes. Investments are made based on the suggestions for improvement presented in the energy certification, which usually involve replacing windows, doors, and gas equipment, and reusing materials and equipment whenever possible. In addition, the promoter prioritises the use of Portuguese materials and contributes to the mobilisation, production, and self-consumption of renewable energy in urban environments.
In-Vest aims to increase the energy class of each property by at least 2 levels, contributing to the health and comfort of its inhabitants, as well as reducing CO2 emissions.
The team
Joana Pereira
She has a degree in Physical Engineering, 17 years' experience in multinational companies in the business and health sector and 20 years' experience in real estate. In 2021, she decided, together with her partner Ricardo Roseta, to put property investment at the service of sustainability and accessibility.
Ricardo Roseta
He has a degree in property management and an MBA. Ricardo worked for 25 years in a construction company where he held various construction support positions, until in 2013 he became the company's CEO. In 2017 he founded PRQO, Lda, a property development company, and in 2021 he co-created the In-Vest brand with his partner Joana Pereira.
Business Model
In-Vest is a company specialising in the purchase, rehabilitation and resale of property, as well as the purchase, rehabilitation, and long-term rental.
Its value proposition is to put investment at the service of improving the sustainability of middle and lower middle-class housing.
The properties are sold through local or national property agents.
In 2023, the promoter sold 36 properties and put 26 properties on the rental market for the middle and lower middle classes that were vacant at the time of purchase by In-Vest. In 2024 it already has 10 properties in the pipeline, 9 of which are vacant and will be put on the market for sale or rent in the next 12 months.
Active since
2017
Fiscal country
PT
Operating In
Portugal
Industry
invest.industries.real_rstate
Number of Goparity Loans
2
Women Shareholders
Yes
Updates
2024-03-28
First payment
First instalment was paid to all the investors
2024-02-26
100% funded
722 investors successfully raised 100.000€
2024-02-19
Open for investment
This campaign is open for investment
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