Indemo review 2025
Read this Indemo review, and learn if the platform is for you.
Indemo
Pros
Cons
Indemo review summary:
Indemo is one of the best real estate crowdfunding platforms in Europe, offering real estate-backed loans in Spain with an average annual return of 15.10%. Regulated by the Central Bank of Latvia, it provides legitimacy and reliability, supported by a low loan-to-value ratio for added safety. Although the absence of a secondary market limits liquidity, Indemo’s auto-invest feature and attractive returns make it an appealing choice for investors seeking long-term real estate investments.
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Introduction to our Indemo review
This Indemo review introduces the platform, highlights its main features, and touches on its safety aspects. Remember, these are just our opinions and not financial advice. Use the navigation below to find what you need.
Learn about the following in our Indemo review:
- What is Indemo?
- Is it safe to invest on Indemo?
- What is the return on Indemo?
- Who can invest on Indemo?
- How to invest on Indemo?
- How to withdraw money from Indemo?
- What are the best Indemo alternatives?
- Conclusion of our Indemo review
What is Indemo?
Indemo is a Latvian-based investment platform that began operating in 2023. It focuses on real estate-backed loans in Spain, advertising average returns of up to 15.1% per year.
Indemo works by connecting investors to Spanish real estate loans, either through standard mortgage loans or discounted debts (defaulted loans acquired from banks at a reduced price). These debts are listed on the platform via specialized entities (SPVs), and investors can participate starting from just €10. When payments are recovered or the property is sold, profits are shared between the investors.
The platform has around 6,100 investors and has funded approximately €8,600,000 in loans.
Indemo SIA is regulated as an investment firm licensed and supervised by the Central Bank of Latvia under license number 06.06.08.824/547. This status also grants coverage under the National Investor Compensation Scheme, although it does not protect against losses stemming from the investments themselves.
Indemo statistics:
| Launched: | 2023 |
| Investors: | 6,100 + |
| Interest rate: | 10 – 35 % |
| Loan period: | 24 – 120 months |
| Loan type: | Real estate |
| Loans funded: | € 8,600,000 + |
| Min. investment: | € 10 |
| Max. investment: | Unlimited |
Indemo Trustpilot rating
Indemo has received a TrustScore of 4.4/5 based on 31 reviews on Trustpilot. Investors praise its high returns, clear website design, and responsive customer support but also note limited regional availability and the lack of a secondary market as areas needing improvement. Despite these concerns, the platform’s unique investment products and quick withdrawal times continue to attract positive feedback overall.
Is it safe to invest on Indemo?
Indemo is one of the safest real estate crowdfunding platforms in Europe. It has been operating reliably since 2023, with no reported capital loss for investors. The platform boasts a low loan-to-value (LTV) ratio, where the mortgaged property market value covers the debt twice, offering an added layer of safety for investors.
Licensed and regulated platform
Indemo SIA is regulated as an investment firm licensed and supervised by the Central Bank of Latvia, indicating that the platform is legitimate and not a scam.
Insolvency protection
Indemo participates in the national investor compensation scheme of the Republic of Latvia, aligned with the EU Directive 97/9/EC. If the platform becomes insolvent and cannot provide investment services, retail investors are eligible for compensation covering 90% of any irreversible loss, up to a maximum of €20,000.
Indemo is required to keep investor funds separate from its own account, which means that in the event of insolvency, investor funds are safeguarded and cannot be accessed by creditors to settle Indemo’s debts.
Two-factor authentication
Indemo offers two-factor authentication (2FA) to strengthen account security. This feature generates unique, time-based passcodes to protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.
What is the return on Indemo?
Indemo’s average annual investment return is 15.10%. While investors have observed yields exceeding 20% or even higher, these results can fluctuate significantly, as returns largely depend on how quickly discounted assets settle and sell. When compared to other marketplaces, this notably higher return suggests an elevated risk level, especially given the young age of the platform.
The interest rates on Indemo ranges from 10% to 35%, highlighting the potential for substantial upside. However, limited liquidity options could contribute to funds being locked for extended periods, indirectly affecting overall gains. Because the platform is relatively new, it is too early to determine how consistently returns can be maintained over time.
How does Indemo handle taxes?
Indemo is legally required to withhold taxes on interest income from loans on its platform. This can make handling your taxes more complex than on platforms such as EstateGuru, PeerBerry, or ReInvest24, which do not withhold taxes.
The standard withholding tax rate on Indemo is 5% for EU/EEA tax residents and 25.5% for all others, including Latvian tax residents. Investors from Lithuania can reduce their tax rate to 0% by providing a valid tax residency certificate.
Tax report
Indemo provides a tax report to help you declare your earnings to local authorities. You can easily download your tax statement from the account settings.
Who can invest on Indemo?
To invest on Indemo, you must meet the following requirements:
- Be at least 18 years old
- Hold EU citizenship or an EU residence permit
If you fulfill these requirements, you can start investing at https://www.indemo.eu/.
How to invest on Indemo?
Before you can start investing on Indemo, you must complete the following steps:
- Sign up on the Indemo website.
- Verify your identity.
- Complete the KYC questionnaire.
- Deposit funds into your account.
The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.
You can deposit money into your Indemo account using SEPA transfers. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).
Once you have funded your account, you can start investing in real estate loans on the platform. Indemo allows you to invest manually by browsing available loans or automatically using an auto-invest strategy.
Indemo auto-invest
Indemo provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.
The auto-invest tool enables you to configure key parameters, including portfolio size, investment type, and loan distribution. You can also automatically reinvest all returns.
Setting up a Indemo auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.
How to withdraw money from Indemo?
You can withdraw your uninvested funds from Indemo at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €10 and it usually takes 1-2 business days for your funds to arrive in your bank account.
Indemo does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.
To exit Indemo, you must first turn off all auto-invest strategies and wait for any outstanding loans to mature. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.
No secondary market
Indemo does not have a secondary market, which means that investors must hold loans until they reach maturity. This is a major drawback for short-term investors as the loans have long durations of up to 120 months.
The lack of a Indemo secondary market is a major drawback compared to other platforms like Crowdpear and EstateGuru, which offer secondary markets for enhanced liquidity.
What are the best Indemo alternatives?
Some of the best alternatives to Indemo are Crowdpear, PROFITUS and Fintown. Each of these real estate crowdfunding platforms stands out with distinctive areas of focus, offering a variety of unique projects that differentiate them from Indemo.
Conclusion of our Indemo review
Indemo is one of the best real estate crowdfunding platforms for high-yield real estate-backed loans in Spain. The platform sets itself apart by maintaining a low loan-to-value ratio for added security, adhering to Central Bank of Latvia regulations, and demonstrating consistent performance since its launch.
While Indemo provides solid returns, a regulated environment, and a user-friendly auto-invest option, it lacks a secondary market that would offer early exit opportunities and appeal to shorter-term investors.
Indemo can be worth it for investors who seek high yields, trust the security measures from Latvian regulatory oversight, and can commit to longer investment periods. It is not a good investment for individuals seeking quick liquidity or those uncomfortable with real estate investments that require holding until maturity.
