# Spreds

> Spreds (spreds.com) is an FSMA-authorized Belgian financial investment and crowdfunding platform governed by EU Regulation 2020/1503 (ECSP). Spreds connects retail and professional investors with innovative startups, SMEs, and scale-ups seeking equity and debt financing.

## Overview

Spreds SA/NV operates an accredited European Crowdfunding Service Provider platform regulated by the Financial Services and Markets Authority (FSMA) in Belgium. The platform connects growth-stage companies with both retail crowd investors and institutional co-investors. Entrepreneurs can efficiently raise capital while maintaining a clean cap table through an innovative legal pool structure, while crowd investors can back vetted Belgian projects and take advantage of the Belgian Tax Shelter benefit on qualifying equity and loan investments.

Key platform features include:
- **Spreds Finance Pool Structure**: A financing vehicle (Special Purpose Vehicle) where investors purchase **Participatory Notes** issued per compartment. This pools investors into a single line item on the target company's capitalization table.
- **Tax Shelter Integration**: Automatic processing and generation of official Belgian Tax Shelter attestations, offering personal income tax reductions (up to 45% for startups, 30% for SMEs, 25% for scale-ups) for eligible Belgian taxpayers.
- **Investor Protections & Compliance**: Full compliance with the European regulation, including Key Investment Information Sheets (KIIS) and risk disclosures.

## Primary Pages & Resources

- [Investment Opportunities](https://www.spreds.com/en/compartments): Browse active, upcoming, and funded financing campaigns (compartments).
- [Raise Funds for Entrepreneurs](https://www.spreds.com/en/funding): Submit a fundraising request for startups, SMEs, or scale-ups.
- [Tax Shelter Benefits](https://www.spreds.com/en/tax-shelter): Detailed guide on Belgian Tax Shelter tax reductions for investors and eligibility criteria for companies.
- [Legal Structure](https://www.spreds.com/en/legal-structure): Explanation of Spreds Finance, Participatory Notes, and how cap table pooling works.
- [About Spreds](https://www.spreds.com/en/about): Company overview, mission, background, and key facts.
- [Team](https://www.spreds.com/en/team): Information about leadership, board, and operational team members.
- [Tracers](https://www.spreds.com/en/tracers): Priority subscription for specialized campaign filters like Tax Shelter opportunities.
- [Spreds Blog](https://www.spreds.com/en/blog): Market insights, company updates, founder interviews, and ecosystem news.
- [FAQ](https://www.spreds.com/en/faq): Frequently asked questions for investors and entrepreneurs.
- [Default Rate](https://www.spreds.com/en/default-rate): Historical platform performance metrics and default rate disclosures required by regulatory standards.
- [Risks & Risk Mitigation](https://www.spreds.com/en/risks): Risk factors involved in crowdfunding investments and capital protection guidelines.

## Legal & Regulatory Disclosures

- [General Terms & Conditions](https://www.spreds.com/en/general_terms_and_conditions): Platform user agreements and investment terms.
- [Code of Ethics](https://www.spreds.com/en/ethics): Ethical guidelines for platform operations and campaign listings.
- [Conflict of Interest Policy](https://www.spreds.com/en/conflict-of-interest): Policies governing conflict management.
- [Privacy Policy](https://www.spreds.com/en/privacy-policy): Personal data handling and GDPR compliance.

## Company Details

- **Legal Entity**: Spreds SA/NV
- **Regulator**: Financial Services and Markets Authority (FSMA), Belgium
- **Regulatory Framework**: EU Regulation 2020/1503 on European Crowdfunding Service Providers & Belgian Law of 18 December 2016
- **Address**: Rue des Colonies 11, 1000 Brussels, Belgium
- **Supported Languages**: English (`/en`), French (`/fr`), Dutch (`/nl`)