Enky Invest Reviews

What does enky invest do?

Investors in Enky invest in projects via bonds that help to finance the purchase, leasing, or rental (subscription) of office furniture.

So far, the company has attracted over 2,000 investors who have committed €2.5 million into more than 57 Enky Invest projects.

The firm’s ethos is summed up by this quote from its website:

“Our mission is to provide innovative alternatives to fast furniture that are so good people will want to change.”

How does Enky Invest work?

Enky works with furniture producers and designers to deliver sustainable, well-designed furniture to end clients. The company facilitates financing options including outright purchase, leasing, leaseback, or rental arrangements via its Furniture As a Service (FAAS) model.

Its customers are typically corporates and startups seeking not just quality and eco-friendly furniture, but also innovative and flexible funding methods.

Enky potential returns

Investors who help crowdfund Enky projects through bond purchases can expect projected returns of between 7.00% and 8.50% per annum, with a minimum investment term of 12 months.

While the minimum term is one year, leaving funds invested for longer may offer higher overall returns. For example, a five-year lease agreement on €98,000 worth of goods at an interest rate of 8.50% would see the client repay a total of €125,000.

Returns are backed not just by rental income, but by Enky’s overall operating margin, which is secured at the point of acquisition. Enky guarantees interest payments as per its bond agreement, even in the event of client default.

Asset security

One of the core strengths of Enky’s model is its asset-backed approach. The company purchases high-value, durable office furniture at wholesale prices, often achieving a 100% margin at acquisition. This provides a cushion against market fluctuations and enhances capital security.

In the event of resale—say at 70% to 80% of retail price—Enky can still generate a capital gain relative to the original purchase cost. Moreover, Enky targets furniture whose value is preserved or enhanced over time through refurbishment, rising raw material prices, and inflation. This focus on residual value plays a key role in the business model and directly contributes to bondholder repayments.

Risks of investing with Enky

While no investment is without risk, Enky’s model aims to mitigate several common crowdfunding pitfalls. Client defaults do not automatically translate into missed interest payments, as Enky’s returns to investors are backed by company operations and guaranteed under the bond terms.

Like any illiquid investment, there remains some risk in terms of market conditions, execution, and competition. However, compared to many crowdfunding platforms, the risks may be considered relatively lower due to the real-asset backing, Enky’s operational margins, and the guaranteed payment structure.

Is Enky regulated?

Enky Invest is a French-based company owned by a Belgian parent and operates under French financial regulations. This framework is not inherently less reliable than the UK or other EU jurisdictions—France has robust financial oversight and consumer protections in place, and all bond agreements are issued in compliance with local financial codes.

However, enky is not regulated by the FCA in the UK and funds are not covered by the FSCS.

Enky alternatives

Given the current high interest rate environment, some investors may prefer more traditional or regulated options. Many brokers now offer interest on uninvested cash, and regulated bond brokers provide access to listed corporate bonds with transparent pricing and secondary market liquidity.

For example, the Metro Bank Holdings bond maturing in April 2034, currently available via Hargreaves Lansdown, offers a 14% coupon and trades at 78.5p. Other platforms, like WiseAlpha, provide fractional access to institutional-grade bonds such as the Travelex 12.5% bond maturing August 2025, available from as little as £100.

Is it worth investing with Enky?

While Enky Invest may share some traits with venture capital or private equity investing—such as selective asset exposure and long-term thinking—it differs significantly. Investors are not buying equity or control, the risk-return profile is fixed, and diversification is simpler and more passive.

If you’re seeking yield and want to support a sustainability-focused business model, Enky Invest presents an interesting and relatively de-risked opportunity. Still, as with any investment, due diligence and understanding of the product are essential before committing funds.