3570! That's the number of investments already made via LITA.co Belgium in companies committed to the planet and to society. Thank you!
While some of our investors have chosen companies that are in line with their values, others have been seduced by the financial advantages offered. More and more of you are interested in finding a balance and therefore a solidity of your investment portfolio. And for good reason: a good portfolio is a balanced portfolio. That's why our team offers you a variety of opportunities in terms of impact, maturity, risk and potential return.
But how to build a balanced, sustainable investment portfolio in the non-listed market? Whether you’re a novice or a seasoned investor, cautious or dynamic, here’s an overview of good investment practices!
Diversification through investment offers
We offer you the opportunity to invest on our platform through five categories of investments, which are a real lever for building a more sustainable society. Start-up for good, SMEs & associations, sustainable real estate, renewable energy or Close to you: each type offers its own profitability and risks.
Diversification through investment offers
We offer you the opportunity to invest on our platform through five categories of investments, which are a real lever for building a more sustainable society. Start-up for good, SMEs & associations, sustainable real estate, renewable energy or Close to you: each type offers its own profitability and risks.
SHARES
With shares, you participate in the capital of a company and become a shareholder. In addition to a tax reduction of 45% of the invested amount thanks to the tax shelter, you are entitled to a potential capital gain and/or dividends. This capital gain is based on the growth of the company and therefore on its value when the shares are resold. The risk is therefore linked to the continuity of the company: the younger a company is, the greater the risk that it will go bankrupt in whole or in part. As for liquidity, it averages about 5 years (that means you can resell your shares after about 5 years if all goes well). In any case, you have to hold the shares for 4 years to fully benefit from the tax reduction. But beware: since there is no market for reselling your shares, selling them depends on finding another buyer.
A investment in shares on LITA.co is also a strong entrepreneurial adventure where you can invest in a company transparently and without intermediaries. Ready to discover your own share in the world of tomorrow?
COOPERATIVE SHARES
Equivalent to shares for cooperatives, the cooperative shares do not generally generate any capital gain at the exit because there is no revaluation of the share. But if the company is doing well and making profits, dividends can be paid to the cooperators. And of course, the 45% tax-shelter is a considerable financial advantage.
BONDS
As a debt product, the bond is similar to a loan with an annual interest payment. The duration of the loan is predefined and varies, on LITA.co, between 3 and 7 years depending on the project. The rate is also fixed and can vary between 2 and 7% depending on the project. As far as repayments are concerned, we can distinguish two typologies:
- Repayment "in fine": the capital loaned is repaid in full at the end of the life of the bond
- Repayment by constant amortization, with or without deferment: the company starts to repay a part of the capital loaned to you after a certain period (one year, for example). This allows the company to lighten its financial burden linked to the interests and the investor to progressively secure the repaid capital.
A different portfolio for every investor profile!
As an investor, you can adjust your investments according to how much risk you want to take and how much of your savings you want to mobilize in a given period. Whatever your investor profile, here are our three golden tips for investing in non-listed companies:
- Do not invest more than 10% to 15% of your total savings
- Diversify your investments in several companies in order to balance your portfolio.
- Invest in projects that you understand and in sectors that speak to you: whether you are interested in ethical fashion, responsible food or zero waste, the variety of our fundraisings offer a real choice.
Investment follow-up
We remind you that LITA follows the companies after the fundraising and that you have a right to information on the financial health of the companies.
LITA is present on most of the Boards of Directors of companies financed through capital: this is to ensure a medium/long-term vision of the company's follow-up and to prepare the exit. For each of them, you have the right to participate in the General Assembly and to express your ideas and opinions on the activities carried out. Generally speaking, a reporting informs you every year (soon every six months) of the evolution of the companies in which you invest your money.
LITA also takes care of issuing your tax-shelter certificates, paying your interest and making capital repayments.
Finally, we answer your questions by mail, phone or chat and we are your privileged interlocutor in case of problems. Our number: +32 2 588 27 57.
Remember, we are not robots hiding behind a platform: we are available to accompany you in your approach, inform you and guide you in the world of sustainable investment!
So, how is your investment portfolio coming together?