Bank Building Neuss

Fixed interest rate of 8.25% per annum and a loan-to-value of 53.6%

With this proposition, you invest in a bank and office building in Neuss, near Düsseldorf in the economically strong German federal state of North Rhine-Westphalia. The property is located in the Hammfeld business district and, in addition to its anchor tenant, is let to two other parties. The intended term is 12 months with a fixed interest rate of 8.25% per annum. The first financing phase has been successfully placed and is operational. As an investor, you receive a first-ranking mortgage right with additional securities. The loan-to-value is 53.6%.

The property consists of a commercial building with four units and a total lettable floor area of approximately 13,164 m². Employees, clients and visitors use this location on a daily basis. Various tenants are connected to the property on a multi-year basis. The main tenant is Bank11, which has been based at this location since 2010. In addition, there is a spacious car park on the adjacent plot.

The real estate asset in this proposition forms part of a portfolio to be acquired, comprising four other commercial properties. The initiator, Cosimo Investment Group, is a family business that has been active in the German real estate market since 1995. The organization focuses strategically on developing and managing real estate projects, with an emphasis on residential and office buildings and, in part, hotel real estate. Cosimo's market position is demonstrated, among other things, by the partnership concluded with PATRIZIA in early 2026 for a €500 million residential development program.

The key characteristics of this proposition are as follows:

Fixed interest rate of 8.25% per annum;
Intended term of 12 months;
First-ranking mortgage right;
Subordination declaration applies;
Loan-to-value of 53.6%;
Institutional anchor tenant;
Located in the Düsseldorf metropolitan region;
Central location near the Rhine and Düsseldorf;
Pledge of rental income with additional securities;
Highly experienced initiator;
Monthly payout;
Interest-bearing immediately from deposit;
One-off brokerage/arrangement fee of 0.45%;
Investing from €2,500.

Projected return

The graph below shows the cumulative return over the course of the term, based on the fixed interest rate of 8.25% per annum. In the example below, with an investment of €5,000, a total of €412.50 in interest is paid out. The first and accrued interest is paid in the month following the closing of the proposition. Thereafter, you receive the fixed interest amount monthly in arrears. At the end of the intended term, you will be repaid from the refinancing and/or sale of the property. The presented return forecast is based on expected market conditions and project planning. There is no guarantee that these results will actually be achieved.

Cumulative return during the funding period

Investment	€5,000
Fixed interest	8,25%
Estimated duration	12 months
Total return	€412.50

Crowdrealestate valuation

Crowdrealestate has assigned this investment a risk rating of A (Defensive). This classification is based, among other things, on the first-ranking mortgage right, the favourable loan-to-value ratio, and the institutional tenant. Although this investment has been classified as defensive, investing via crowdfunding always carries risks, including the risk that (part of) your investment may be lost. Please consult the Key Investment Information Sheet (KIIS) for a full description of the risks and securities.

A

23 22 21

B

20 19 18

C

17 16 15

D

14 13 12

E

11 10 9

Mortgage right	Crowdrealestate's investors receive the first-ranking mortgage right with a subordination declaration.	4 points
Loan-to-value	The loan-to-value based on the market value in the current let condition is 53.6%.	2 points
Match location with sector	Centrally located between Neuss and Düsseldorf; fits well with the business activity in this strong economic region.	3 points
Occupation	The current occupancy rate is 62%. A healthcare organization is a potential tenant identified for the vacant spaces.	2 points
Project phase	The project concerns an existing building, which entails fewer risks compared to projects in the development phase.	3 points
Track record	The initiator has already been active in the German real estate market for 30 years.	3 points
Duration	The intended term is 12 months. Although the project concerns an existing building, the possibility of a longer duration remains present, partly due to real estate as the underlying asset.	3 points
Additional security	Pledge of current and future assets of the project owner (incl. rental income pledge) with further additional securities.	1 points
Total		21 points

Project description

The commercial property in this proposition is located at Hammer Landstraße 91 in the Hammfeld district of Neuss. It is a representative and well-maintained office building. The lettable floor area is approximately 13,164 m². The building sits on a well-kept site with landscaped grounds. The total plot area is approximately 19,348 m².

Current annual rental income amounts to approximately €1,038,059. The tenants are reputable, internationally operating business service providers. The main tenant is Bank11 für Privatkunden und Handel GmbH, a bank specializing in, among other things, car financing. Bank11 forms part of the well-established Wilhelm Werhahn KG group. The weighted average lease term (WALT) is approximately 4.6 years.

The property is excellently connected. The A57 and A46 motorways are reachable within a few minutes. Neuss Rheinpark-Center railway station is approximately 400 metres away. The nearest bus stop is approximately 220 metres away. Düsseldorf International Airport is approximately 14.4 kilometres away. The property has ample parking for tenants and visitors, with electric vehicle charging points available. The established tenant base provides stable and predictable cash flows.

Market description

The city of Neuss has approximately 153,000 inhabitants. Neuss forms part of the Rhineland metropolitan region. Together with Düsseldorf, it forms one of the economically strongest urban regions in Germany. The Hammfeld district is an established office cluster, home to financial institutions, business service providers and international companies. Several colleges and universities are located within short distance. FOM University of Applied Sciences is 2.1 km away. Heinrich Heine University Düsseldorf is 7.6 km away. Düsseldorf University of Applied Sciences is 10 km away.

The property ties in directly with two structurally strong sub-markets:

Financial and business services. Many multinationals and international corporations are based in the Düsseldorf metropolitan region, resulting in sustained demand for high-quality office space. This includes financial institutions, HR service providers and corporate back offices. The property has secured Bank11 für Privatkunden und Handel GmbH, a reputable, internationally operating tenant, as its anchor tenant. Bank11 is part of the Wilhelm Werhahn KG group.
Business tourism and conference traffic. Neuss and Düsseldorf host major international trade fairs each year, such as Boot, ProWein, Drupa and K. This results in structurally high demand for office and working space in the surrounding area. Established business locations such as this one benefit structurally from this.

The property is excellently connected. The A57 and A46 motorways are reachable within a few minutes. Neuss Rheinpark-Center railway station is approximately 400 metres away. The nearest bus stop is approximately 220 metres away. Düsseldorf International Airport is approximately 14.4 kilometres away. Supply of comparable quality in this segment is growing only modestly. Together with the established location in Hammfeld, this provides a predictable operating climate and value retention.

Underlying organisation

The loan is provided to the project owner Cosimo Asset Management GmbH for the purpose of acquiring an indirect interest in the property company HVT Processing GmbH, and forms part of the initiator Cosimo Investment Group GmbH. The collateral remains the property of the property company, and the real estate asset forms part of a larger portfolio of commercial real estate in the Neuss and Düsseldorf region.

Cosimo is a real estate developer and manager active in various urban regions in Germany. The organization develops and transforms real estate projects within segments such as short-stay apartments, hotels, offices, commercial/industrial real estate and residential construction, responding to functional demand within urban areas.

A significant part of its activities takes place in Berlin, where Cosimo is involved in several area developments. The company has its own teams for project development, construction management and architecture.

In addition to new construction, Cosimo also focuses on the redevelopment and transformation of existing buildings. In doing so, themes such as sustainability, change of use and flexibility in use are taken into account. In collaboration with municipalities, investors and operators, projects are tailored to current market conditions.

The initiator is also involved as a shareholder in the following propositions financed by Crowdrealestate: Berlijn-Hellersdorf, Appartementen Düsseldorf, Bedrijfsgebouw Neukirchen-Vluyn, Berlijn Schönefeld, Alexander-Meißner Berlijn, Rijnland Kwartier, Hammer Campus, Hoofdkantoor Bank11, Unterbilk Düsseldorf, Parkhof Düsseldorf, Kantoorunits Hammfeld and Mediahaven. As a result, a cluster risk may exist. A detailed overview of the risk factors is set out in the Key Investment Information Sheet (KIIS) - Part C.

Supplementary files

You can open the supplementary files below

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EBi - Bankgebouw Neuss	Download

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