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Our principles – trust us to stand by them!

Striving together

Our credo applies to both our cooperation with business partners, as well as to our management and team.

Fairness & reliability

We always conduct ourselves with integrity and fairness towards our business partners. You can rely on us – at all times.

Respect appreciation

We place great importance on fostering a relationship of trust and partnership.

Discretion & data protection

We treat documents and records provided to us with the utmost discretion.
Sensitive relationships with employees, customers and service providers remain protected.

Professionalism

We emphasize competence, efficiency, and quality. Like you, we are committed to executing each investment quickly and seamlessly.

Sustainability

We develop long-term solutions to further minimize the ecological footprint of our company and the investments we support.

Our ESG strategy

Initiatives for a sustainable future

Competo Capital Invest is committed to working sustainably across various aspects of business operations. Our goal is to ensure that sustainability represents a long-term development that meets present needs without compromising the ability of future generations to meet their own needs. The following initiatives for climate and environmental protection are designed to reduce both our company’s ecological footprint and the impact of the investments we manage. In addition to our environmental responsibility (E), Competo Capital Invest also embraces social responsibility (S) as both an employer and a stakeholder in the real estate industry. This commitment is shared by everyone in the company and is addressed through targeted measures. Our corporate culture also includes a sustainable governance structure (G). Our ESG strategy focuses on these three key areas.

  • Environment

    We recognize that the real estate sector bears significant responsibility for climate impact, accounting for approximately one-third of CO₂ emissions. This is especially important in the commercial real estate sector in Germany, where Competo Capital Invest is increasingly active.

    Although commercial properties account for only 10% of the existing building stock, they are responsible for approximately half of the emissions. In this context, we are committed to implementing measures in our business operations that promote climate protection and ensure an environmentally sustainable future. Competo Capital Invest is dedicated to acting in an environmentally conscious and resource-efficient manner, both in its core business of providing mezzanine loans for domestic real estate project developments and at the corporate level. Our goal is to contribute to climate protection, particularly by reducing greenhouse gas emissions and achieving energy savings.

    In our daily operations, all employees are encouraged to use resources efficiently, with a focus on energy and water conservation. This includes responsibly managing heating and cooling systems in the office, minimizing packaging waste, actively sorting trash, and reducing personal resource consumption and CO₂ footprint. Avoiding unnecessary business travel also actively supports climate protection.

    Additionally, Competo Capital Invest supports the use of public transportation by providing employees with Bahncard 25 and tickets for local public transit. We regularly review and adjust the provision of company vehicles, particularly considering their CO₂ emissions.

  • Social

    We are mindful of our social responsibility towards employees every day. This extends to our borrowers, investors, and other stakeholders in the real estate sector.

    At the office and in the workplace, we adhere to all recognized labor standards. These standards, along with additional measures such as training sessions, seminars, and office equipment, ensure employee safety and health. Competo Capital Invest actively supports fair compensation, equitable working conditions, diversity, and opportunities for professional development. Similarly, we expect our investors and borrowers to uphold comparable social standards within their respective organizations. For example:

    • minimum wage requirements for employees in the construction industry,
    • fair dealings with all stakeholders in project developments and investments currently being implemented,
    • diversity both in the selection of potential tenants and construction companies,
    • promotion of the regional economy,
    • concrete measures to safeguard health and safety at work.

    Competo Capital Invest not only welcomes but also actively supports the use of socio-cultural interim uses in buildings scheduled for demolition or refurbishment.

  • Governance

    Supervisory structures/management

    Competo Capital Invest’s future-oriented management approach is intended to make it easier to establish a sustainable governance structure within the company.
    This includes

    • measures to prevent corruption and money laundering,
    • possibilities for whistleblowing in cases of misconduct,
    • guarantee of employee rights and data protection.

    Through compliance-focused behavior by management and all staff, we aim to prevent corruption and money laundering. This is further ensured by an external anti-money laundering officer (RA Dr. Feiler, GSK Stockmann). We also maintain a conflict of interest register to identify and address potential conflicts of interest early on and develop solutions. All employees are encouraged to actively contribute improvement suggestions. Additionally, Competo Capital Invest ensures that investors and borrowers implement comparable governance structures to those in our company, including through the following measures:

    • adherence to widely recognized ESG standards, including the exclusion of certain industries such as gambling or defense, as well as efforts to reduce CO₂ emissions
    • measures to prevent corruption and money laundering,
    • possibility of whistleblowing in the event of misconduct,
    • guarantee of employee rights and data protection.

Our holistic and sustainable approach

All activities related to implementing our ESG strategy in our daily business operations are continuously evaluated, assessed for effectiveness, and optimized as needed.

In addition to the management team, all stakeholders (employees, borrowers, investors, etc.) are encouraged to participate in this quality assurance process and to continuously expand and improve the measures and strategy. Competo Capital Invest thus adopts a dynamic approach, striving to proactively meet this societal responsibility and set the course for a sustainable and socially responsible future in the long term.

Excerpt from the ESG strategy of CCI GmbH:

Company level

  • Regular encouragement to practice resource-efficient and energy-saving behavior in daily office operations
  • Supporting employees to use public transport
  • Promoting fair conditions in the workplace, diversity, training and further education
  • Measures to prevent corruption and money laundering
  • Ensuring occupational safety, employee rights and data protection
  • Prevention of conflicts of interest and the possibility of whistleblowing in the event of misconduct
Investment level
  • High standards for the quality of the financed and constructed properties
  • Requirement to comply with the Building Energy Act
  • Preferred financing of certified projects (DGNB, LEED, BREEAM etc.)
  • Preference for refurbishments/renovations instead of demolition/new construction
  • Requirements for social behavior on the part of investors and borrowers

Additional information on sustainability

Presentation of the strategic handling of sustainability risks (Art. 3 SFDR)
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    As part of its investment processes, CCI will not only include relevant financial risks in investment decisions, it will also take significant sustainability risks into account. For example, when granting loans, CCI attaches importance to ensuring that project developers and property developers meet the current requirements of the German Building Energy Act (GEG) in their construction projects and preferably achieve high certification levels (DGNB, LEED, BREEAM, etc.). CCI is also guided by the guidelines of the EU Action Plan on Sustainable Finance and, in particular, the requirements of the Taxonomy Regulation. This enables CCI, although it is not directly involved in the construction process as a financier, to work towards ensuring that the financed projects meet the current standards of sustainable and energy-efficient real estate as part of its own investment decision-making processes. Furthermore, CCI favors refurbishments and renovations instead of demolition/new construction projects, provided that an existing building structure permits this. This is intended to stimulate the circular economy, i.e. the reuse of certain resources, and extending the lifespan of properties. The CCI also ensures that borrowers use sustainable building materials (e.g. with the FCS seal) in order to promote environmental protection even in the case of active new construction.

Presentation of adverse sustainability impacts (Art. 4 SFDR)
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    Currently, CCI does not account for the principal adverse impacts of investment decisions on sustainability factors, such as negative effects on environmental, social, and labor issues, human rights, and the fight against corruption and bribery. Due to significant legal uncertainties regarding the specific requirements for measuring and reporting these impacts, CCI has chosen to wait for further legal developments before implementing the appropriate processes.

Presentation of the strategic handling of sustainability risks in relation to remuneration components (Art. 5 SFDR)
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    Currently, all managing directors and employees of CCI are provided to the company by its parent, Competo Capital Partners GmbH, under an internal service and secondment agreement. It is clearly defined that CCI does not act as an employer and therefore does not provide compensation to these individuals, who continue to be paid solely by Competo Capital Partners GmbH. As a result, CCI does not currently pay any compensation to its managing directors or employees and has not developed a compensation policy, as it would not be applicable at this time. However, should CCI employ and compensate managing directors and employees directly in the future, it will establish a compensation policy that appropriately addresses sustainability risks in the areas of environment, social issues, and governance.

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