Beware : subordinated loans without any collateral guarantee
The first and most important thing to know is that the Crowdlending loans (i.e. for people not living in Flanders) are subordinated loans without any collateral guarantee !
(Subordinated loans are only repaid if there is some money left after everybody else has been reimbursed).
I found this out the hard way when EIB scaffolding went bankrupt a few months after the funding call of june 2024 !
Had WinWinner made a good follow up of the company, it had discovered that it had a huge debt owed to its suppliers and only a low amount of customer receivables in comparison (not counting the financial debt).
Since I received the bankruptcy notice and filed a complaint nothing happened.
Furthermore, the website has been modified, and IMO not for the better.
There is no way I will invest again here.

Reply from Winwinner







