Crowdinvesting, according to Thomas Bremer from the internet portal www.diebewertung.de in Leipzig, is for us the continuation of the „gray capital market“ which should actually be ended in 2013 by the introduction of the new guidelines for financial products and the improvement of investor protection in Germany by the Retail Investor Protection Act , But then you have to acknowledge that this has been achieved in many ways.
At that time, rules were also drawn up for the collection of capital, crowdfunding and crowdinvesting platforms. Up to a maximum amount of 2.5 million euros, the initiator then requires no BaFin permitted prospectus, but only an investment information sheet called the short VIB. This must also be submitted to BaFin, whereby BaFin does not again check the content and the concept, but only the compliance with the formalities of the VIB.
Now, some crowdfunding and crowdinvesting platforms have established themselves in the German capital market, but if you look at their balance sheets, you get the impression that hardly any money is earned here, because many companies in this sector have high losses in their company balance sheets .
Of course, there was initially a „big curiosity run“ on many offered investments, and initially it seemed that this could be the future of raising capital. Well, in the year 2018 obviously a disillusionment with so many companies in the industry has begun, because it is, especially in the Crowdinvestingbereich, probably increasingly difficult to find investors.
Only the company EXPORO seems to make an exception here. Many other crowdfunding platforms, including Bergfürst, seem to have bigger problems getting the initiators‘ investments full. This impression is conveyed by the investments themselves on the platforms of the crowd investing companies.
The problem of companies is that although they have a tribe of interested investors, they have not been able to expand so that the investments can then be completed successfully within a short time. This is quite understandable for us, because if an investor has already drawn 5 investments, then either he himself does not have the money to invest in further investments, or he waits for the first time, as his investments then develop, he is waiting on the repayment of his money plus promised interest.
As a result, the circle of interested investors naturally becomes smaller from investment to investment. Here, as a crowd-investing provider, you have to ensure that targeted measures can then be taken to get new investors onto your platform and to be interested in investing. Just relying on affiliate programs is certainly not the way to go. Here, the industry has to go other ways to be successful in the long term.
But some platforms have now also created a risk for the investor, without telling the investor what we call „lump risk“.
Here is a platform that is now the 6! Crowdinvesting of a company manager offers, so far one of these projects has been successfully completed for the investor. After reporting on it, we got a lot of editorial staff from obvious investers on the platform, who were downright outraged that they did not give them this information in the VIB.
Of course there are also some total losses for investors in Crowdinvesting and Crowdfunding in the last 5 years. This, too, certainly contributed to the fact that investors have become more cautious. By the way, you can not say that enough, every crowdinvesting and / or crowdfunding course has the risk of a total loss for the investor. Until he has the invested capital back.
