Take part in the action. With total peace of mind.

The Higgins model is built on a clear, 8-step structured process:

  1. Sourcing & Negotiation: Higgins identifies high-potential buildings and negotiates the best acquisition terms.
  2. Investor Pooling: Higgins brings together investors looking to collectively own a selected asset.
  3. Acquisition Management: We handle the entire purchase process: negotiations, sales agreements, and notary deeds.
  4. Financial Structuring: Higgins structures the project financing, including bank loans (leverage) to boost returns, and manages refinancing if needed.
  5. Legal Formalization: We draft investment contracts, management mandates, powers of attorney, and all legal documentation.
  6. Rental & Technical Management: Higgins administers the property on behalf of the co-owners.
  7. Profit Distribution: Profits are distributed annually to co-owners, pro-rata to their shares.
  8. Exit & Resale: Upon project completion, Higgins organizes the sale of the asset and the redistribution of capital gains.
FAQ
  • Easy

    • No tenant calls, no paperwork, no renovation stress. We manage the full cycle.

  • Profitable

    • Enjoy regular rental income, long-term growth, and smart leverage through optional loans.

  • Secure

    • You become co-owner of real, tangible property, with shared risk spread across multiple units. No hidden fees, no unpleasant surprises.

  • Accessible

    • Invest from €20,000 and access a professional investment structure.

  • Flexible

    • You can easily sell your shares: other co-owners have the option to buy them back with only a 1% transfer tax—a unique advantage in the market.

      This means easier liquidity for you, and an opportunity for increased participation for them or for you.

« We dreamed of a real estate investment combining simplicity, security, and returns. Not finding one, we created it ourselves. »

Robert Masse
Cofounder Higgins

Investor FAQ

  • 1. Accessibility

    • What is the minimum amount to invest?
      From €20,000.

  • 2. Ease

    • Do I need to take care of anything?

      No. We take care of everything:

      • Property selection: Profitable buildings that comply with regulations (planning, energy, legislation), or accurate estimates of the required renovation work.

      • Mortgage financing: If it improves returns, we negotiate a bullet loan for you on the best terms.
        (Bullet loan: A bullet loan is a loan where you repay only the interest throughout the loan term, and the principal in a single payment at maturity. This helps maximize cash flow and rental yield, notably through leverage.)

      • Full management: Letting, drafting and registering leases, property condition reports, compliance, regulatory adherence, works monitoring, rent collection, service charge statements, claims handling, rent indexation, etc.

      • Notarial procedures: We handle the preliminary sales agreement and the deed of sale.

  • 3. Liquidity

    • Is this a liquid investment?
      More liquid than traditional real estate:

      • Reduced registration duties (1%) for the other co-owners who wish to buy your shares.

      • Also allows you to increase your investment advantageously when purchasing shares from a co-owner.

  • 4. Profitability

    • When will I start receiving income?
      Every year from the end of the first year.
      Also upon resale of the property.

      What is the expected return?

      • The return varies depending on each building, but we select buildings with an attractive gross yield.

      • To this yield, you must also add indexation, which mechanically increases the return over time.

      • You should also add the capital gain.

      • In conclusion, an interesting return for this investment.

      We provide you with a realistic ROI estimate, including:

      • Property tax (précompte immobilier)

      • Management fees

      • Acquisition costs

      • Renovation works

      • Rental vacancies and unpaid rent (estimated at 9 months of rent per year, compared to 10 months for traditional agencies)

      Is there long-term capital gain?
      Yes. In Belgium, residential real estate has shown consistent historical growth. According to the 2024 UGEB-ULEB report, the value of multi-family investment properties (immeubles de rapport) sold through private treaty doubled between 2004 and 2024.

      Do rents increase?
      In principle, yes. Rents are indexed every year → progressive improvement of the return, even with a loan, as the loan payments remain fixed.

  • 5. Taxation

    • Investors are advised to consult their tax advisor to fully understand and assess the specific implications for their situation.

      5.1 Taxation of Income – Individual Partners
      The income (notably rental income) received by the Company is deemed to be received directly by the Partners, in proportion to their shares.
      👉 This income is taxed as real estate income
      Taxable income = indexed cadastral income increased by 40%

      5.2 Treatment for Associated Companies
      Companies (SA, SRL, etc.) must account for their share of income using the proportional integration method:
      👉 Annual integration of each balance sheet and income statement item in proportion to participation.
      Companies can apply usual tax rules:

      • Depreciation

      • Interest deduction

      • Various expenses
        As if they were direct co-owners.

      5.3 Taxation of Transfers
      Individual:

      • 16.5% if resale < 5 years

      • Exempt if resale > 5 years

      Company:

      • Capital gains taxed at corporate tax rate

      5.4 Registration Duties
      Between original partners:

      • 1% (Brussels/Wallonia)

      • 2.5% (Flanders)

      Sale to a third party:

      • 12.5% (Brussels/Wallonia)

      • 12% (Flanders)

      5.5 Sale of the Property by the Company
      Equivalent impact to a share transfer:

      • 16.5% if < 5 years

      • Exempt if > 5 years

  • 6. Safety

    • Is this a risky investment?
      Every investment carries risk, but the Belgian residential real estate market is:

      • Historically stable (legally, economically, and politically).

      • Rental demand is strong and consistent.

      • Price growth is steady.

      Am I really the owner?
      Yes, you hold full ownership of a share in the property.

      How are risks managed?

      • Reserve fund: Established from the start to cover unforeseen expenses (repairs, maintenance, etc.).

      Where are the properties located?
      In Belgium, where our team has over 30 years of experience.

  • 7. Comparison with a direct purchase

    • Fewer Unexpected Costs
      You are not exposed to costly decisions made by the property management (e.g., roof, boiler).
      ✔️ Higgins provides for provisions from the start.

      • Shared Rental Risks
      In case of unpaid rent, an individual owner must cover their tenant’s shortfalls to the bank.
      ✔️ At Higgins, income is pooled: a vacant unit does not affect your entire return.

      • Zero Management on Your Part
      No co-ownership meetings, no construction supervision, no endless calls from your tenants.
      ✔️We manage everything for you, from A to Z.

  • 8. Fees

    • 8.1 Higgins’ Fees (Excluding VAT 21%)

      • Acquisition: 3% of the purchase price (3.63% including VAT) → payable at closing

      • Rental management: 10% of monthly rents (12.1% including VAT) + 1 month’s rent for each re-letting

      • Renovations: 5% of the amount for major works (6.05% including VAT) → payable upon completion

      • Sale: 10% of the net capital gain (12.1% including VAT) → payable upon receipt of sale proceeds

      8.2 Profit Distribution
      After deduction of:

      • Expenses

      • Provisions

      • Manager’s fees

      Profits are distributed annually in proportion to the shares.

  • 9. Capital Contributions

    • 9.1 Ownership of Contributions

      All contributions (initial capital, reinvestments, and undistributed earnings) are held in joint ownership (indivision) by the investors, strictly pro-rata to their respective contributions.

      9.2 Rights Received in Exchange

      Each investor obtains a percentage of the property’s equity, granting them a proportionate share in:

      • Profits or losses

      • Liquidation proceeds (at the time of asset disposal)

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