News & Events

Accumin Sponsors NPL Europe in London

Accumin was pleased to take part as an official sponsor in the 10th annual edition of the NPL Europe Conference, organised by Smith Novak in London. The event brought together more than 400 key stakeholders from 25 countries across the non-performing loans industry to discuss the latest developments, trends, and innovations shaping the sector. 

As part of our commitment to driving innovation, technology, and data in a constantly evolving market, several Accumin representatives attended the event to showcase the strength of our globally scalable data solutions in supporting asset analysis and decision-making.


**Javier Ventas**, Director of urbanData Analytics by Accumin, chaired the **Servicing: Ops & Tech** experts forum, on the latest market developments and trends in AI and technology services. He was joined by **Julio Jose Prado**, Board Advisor at Relational; **Mark Oppermann**, Chief Revenue/Marketing Officer & Co-Founder at Webio;  Hardev Tumber, Group Head of Collections and Recoveries at Revolut and **Javier Morilla**, Director of Technology and Operations at Diglo Servicer.

Accumin was also represented in the event by Maarten de Haas, Global Head of Value & Advisory and Manuel Hurtado, Manuel Hurtado, Global Head of Intelligence. 

Accumin will also be sponsoring the upcoming NPL Iberia Conference, taking place in Madrid on 22 May.


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Accumin and IESE prove the link between energy efficiency and home value

Spain's largest property valuation company, Tinsa by Accumin, the data and market analytics platform Accumin Intelligence, and IESE Business School have published the first report to statistically demonstrate the impact of energy efficiency on house prices in Spain, isolating the influence of other correlated variables.

The study, 'Energy Performance and Residential Property Value in Spain', is based on a representative sample of 243,414 properties collected between 2012 and 2024. It shows that energy efficiency has a significant and positive impact on the value of homes, consistently across different regions, property types, price ranges and ages.

For each of the dwellings, the variables of energy performance certificate, surface area, age, location, construction characteristics and valuation were analysed. Using discontinuity regression design, the authors were able to isolate the specific impact of energy efficiency on house value from other correlated factors.

More efficient homes also tend to be more modern, with better construction quality and higher prices,' explains Cristina Arias, Director of the Tinsa by Accumin Research Department and one of the authors of the report. At first glance, it is difficult to distinguish whether the market places a higher value on energy-efficient properties because of their energy-efficiency characteristics, thus incorporating the value of the energy savings that the property will provide in the future, or whether, on the other hand, the higher value is due to other factors related to construction quality, which are paid for during construction or renovation and are more tangible at the time of purchase. When analysing energy efficiency, it is common to ignore these correlations, leading to misleading results.

Arias emphasises that the model captures how houses that are structurally the same, differing only in the letter of their energy certificate, have different values. The impact is therefore exclusively due to the improvement in the energy rating, isolated from the influence of other variables," he explains.

The results of this study, which includes a complete analysis of the efficiency of the Spanish housing stock by age, type or climate zone, show the existence of a 'green premium' in the Spanish housing market, where better CO₂ emission ratings translate into higher property values.

Here, the 'green premium' is defined as the percentage increase in the price of housing associated with an improvement in the energy rating of the property. This concept reflects how the market positively values properties with higher levels of energy efficiency, as they incorporate both future savings in energy costs and a contribution to environmental sustainability," says Arias.


Looking at the whole sample and averaging across all letter transitions, it is estimated that a one-letter improvement in energy efficiency increases the price of a home by an average of 1.3%.

A larger impact is observed for the transitions of properties belonging to efficient categories (C-A) compared to transitions between inefficient categories (G-D). For example, there is an increase of 1.2% when moving from E to D, 2.1% when moving from B to A and up to 3.3% when moving from C to B.

'The study shows that the increase in value associated with greater energy efficiency is not limited to the higher-priced properties in the premium or luxury segment, nor to detached houses as opposed to apartment blocks, nor to specific locations, but is an attribute that is valued in all market categories,' says Arias.

##### Growing trend

The study concludes that energy efficiency contributes to property revaluation. Although it currently has a moderate direct impact on the value of housing, its importance is consistent across all segments, and it is positioned as a key factor in determining market prices.

Historical analysis shows a growing trend in ‘green premium', which corresponds to a higher valuation of sustainability, due to both the environmental awareness of housing demand and the application of stricter regulations on energy efficiency.


The results suggest that we are at the beginning of an upward trend in the valuation of efficient properties and a relative devaluation of inefficient ones.

It is reasonable to expect that the importance of energy efficiency will gradually increase as stricter regulatory policies on CO₂ emissions and energy consumption are applied. For example, the introduction of more demanding European and national regulations, such as the recent EU Energy Efficiency Directive and its transposition into Spanish legislation, will force owners to invest in improving the energy performance of their properties,' says Cristina Arias.

Access the full report

The interaction between the operational savings generated by improvements in energy efficiency, regulatory standards and greater environmental awareness among consumers will contribute to increasing the 'green premium' in the coming years, positioning energy efficiency as a strategic factor for the future of the real estate sector, concludes the study.

##### About Tinsa by Accumin and Accumin Intelligence

Tinsa by Accumin is the largest company specialised in the valuation of real estate and personal assets in Spain. The company, which has the largest database of real estate assets in the country and the most extensive network of valuers, also offers real estate consultancy services in urban planning, sustainability, market analysis and feasibility studies for investment projects.

Accumin Intelligence provides insights and recommendations for the property market and other industries, based on the most extensive and carefully selected data collection, designed to facilitate and optimise decision-making. In the energy sector, Accumin Intelligence has been chosen by the Ministry for Ecological Transition and the Demographic Challenge (MITERD) to design, build and validate a unified database of energy certificates at national level.


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Persch Consult by Accumin at EXPO REAL 2024

**Persch Consult by Accumin** had a prominent presence at **Expo Real 2024**, the leading international real estate event. During the fair, the company not only engaged in numerous strategic discussions with industry professionals but also received the prestigious Approved by HypZert GmbH trophy. 

The Persch Consult by Accumin team was represented by key members including **Christian Schuhmann MRICS, Steffen Berger FRICS, Marios Antonios Batsilas FRICS, Marcus Steede, Daniel Risso**, and **Eileen Winterholt**, who played a vital role in building new partnerships and promoting the company’s services.

Expo Real is the most important trade fair for the real estate industry and therefore offers a fully comprehensive overview of developments, topics, innovations and solutions in the real estate industry. In this way, it provides the necessary orientation in a time of upheaval.


Acumin sponsors the RICS Built Environment European Summit 2024

Tinsa Mexico by Accumin obtains the ISO 27001 certification for information security 

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Persch Consult by Accumin at Expo Real 2024

Accumin participated as Silver Sponsor in the second edition of the RICS Built Environment European Summit, held on 14 and 15 October at the Azkuna Zentroa in Bilbao (Spain). The event, which brought together 300 professionals, explored how the property sector, and cities in particular, can move towards a more sustainable context in line with global objectives.

Accumin was well represented at the event: **Maarten de Haas**, Global Head of Value & Advisory; **Manuel Hurtado**, Global Head of Intelligence; **Belén Dávila**, Director RICS Valuation & Advisory Services at Tinsa España by Accumin; **Raquel Gómez**, Head of Valuations & RE Specialist in urbanData Analytics (uDA) by Accumin; and **Pedro Mestre**, Director of PVW Tinsa by Accumin.

The debate revolved around topics such as ESG, sustainability, taxonomy, renovation, urban transformation or the risks involved in raising stakeholder awareness of the importance of socially responsible investment, the decarbonisation of the real estate sector, the integration of sustainability in investments or the concept of climate-resilient cities.


The exchange of ideas and networking led to conclusions such as:
- To achieve carbon neutrality by 2050, it will be necessary to renovate the existing building stock, as 85% of the current buildings will still be standing by that date.
- Brown risk or green premium? Although there is currently no evidence of an immediate fall in the value of non-green assets, there is a growing perception that an asset that does not meet a high standard of energy efficiency has fewer potential buyers than others.
- Reducing consumption, improving energy efficiency, reusing materials and finding more efficient and technological models for developing property products are some of the challenges facing the various players.
- The impact of regulation and legislation, standards and risk management play an important role and are seen as a turning point for the sector.
- Value, data and risk form a triangle that puts Accumin on the right track to contribute to the sustainable development of real estate.


Accumin holds its Strategy Days in Madrid

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Persch Consult obtains the EcoVadis Gold Medal

**Persch Consult GmbH | Chartered Surveyors**, a **Tinsa Group** company, has been awarded the Gold Medal by **EcoVadis**, recognizing its commitment to sustainability and corporate social responsibility. This accolade places Persch Consult among the top 5% of companies in the real estate and housing sector assessed by EcoVadis, reaffirming the dedication to ethical business practices and sustainable development.

EcoVadis is a global sustainability rating platform that evaluates companies' performance in environmental, social, and ethical dimensions. The comprehensive assessment covers 21 criteria across four themes: Environment, Labour & Human Rights, Ethics, and Sustainable Procurement.

Achieving the Gold Medal is the result of a concerted effort across all levels of Persch Consult organization and the Tinsa Group. This is the second time that Persch Consult has received an EcoVadis medal, whereas last year it received the Bronze Medal.
Receiving the Gold Medal from EcoVadis is not just a badge of honor, it represents an ongoing commitment to sustainable growth. 


Tinsa sponsors the RICS Annual Valuation Conference in Spain

Maarten de Haas and Manuel Hurtado, new Global Heads of Value and Intelligence

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The **RICS Annual Valuation Conference** brought together more than 200 professionals in Madrid on 4th of July to discuss and analyse the latest trends in real estate and the challenges and opportunities in the field of valuation.

**Tinsa Spain** was the main partner of the event, where it was represented by **Belén Dávila**, director of RICS Valuations & Advisory Services, who participated in the panel discussion on the residential sector.

The event, which confirmed that a new Red Book will be published in 2025, brought together leading RICS professionals and companies to discuss the market situation and outlook in the different asset classes, the major challenges facing the valuation business and the roles of ESG and technology.

During her speech, Belén Dávila reviewed the situation of the residential market together with Pilar Jiménez Iniesta, Head of Research Idealista Data; Raquel Bueno, ESG Director of Metrovacesa, and Jesús Mateo Gómez, Managing Director of Savills.


Bronze for on-geo

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It's clear: companies need effective sustainability management to minimize the negative impacts of their activities on the environment and society. At **on-geo**, we also place great importance on improving our sustainability performance and thus making a positive contribution to future-proof and ethical supply chains. This is precisely where CSR (Corporate Social Responsibility) ratings come into play.

**EcoVadis** is now the world's largest provider of sustainability ratings for global supply chains. Founded in Paris in 2007, EcoVadis assesses over 130,000 companies in 175 countries worldwide – and on-geo joined this year. The EcoVadis rating examines 21 sustainability criteria in four areas: **environment, labour and human rights, ethics, and sustainable procurement**. The criteria are based on international standards such as the ten principles of the UN Global Compact, the conventions of the International Labor Organization (ILO), the Global Reporting Initiative (GRI) standard, and the ISO 26000 standard.

The assessment methodology aims to measure the quality of a company's sustainability management system based on three management pillars: policies, actions, and the reporting of results and key performance indicators (KPIs). This concept is based on the PDCA (Plan, Do, Check, Act) cycle, which forms the foundation for many management systems worldwide. Using a questionnaire that takes into account a company's industry, size, and location, information and evidence on sustainability performance are collected and analyzed. The assessment result is communicated via the scorecard and remains valid for twelve months.

##### on-geo in check


Overall, we achieved 63 out of 100 points in the initial assessment in 2024, placing us in 81st percentile. By comparison, other companies in our "Information Technology Services" sector received an average score of 53 in 2024. EcoVadis' overall assessment also shows that on-geo is among the top 13 percent of assessed companies in this sector. We performed particularly well in the areas of environment, labor and human rights, and ethics, compared to our industry: **60 points in the environment, and 70 points in labor and human rights, and ethics**. However, in the area of "Sustainable Procurement," on-geo only achieved the rating "incomplete." This corresponds to the modal value, i.e., the number of points awarded most often to companies within this category.


The achieved percentile (81st percentile) means our score is equal to or higher than 81 percent of the companies participating in the EcoVadis rating, meaning only 19 percent performed better. This immediately earned us **Bronze**, placing us among the **top 35 percent** (65th percentile or higher) of all companies rated across all industries over the past 12 months.

Another important part of the rating is the so-called "360° Watch" results: These contain relevant public information about a company's sustainability practices, compiled from more than 100,000 data sources (including NGOs, the press, and trade unions). The results are incorporated into the assessment and can have a positive, negative, or neutral impact on the score. Our 360° Watch result was **without any anomalies** and was therefore **rated as good**.

For us, the EcoVadis rating is an important tool for illustrating, reflecting, and evaluating our sustainability performance. Above all, our achieved percentile ranking demonstrates that we are significantly above average in terms of environmental protection, social responsibility, and ethical corporate governance. This positive sign motivates us to continue improving and to continue to focus on sustainable business practices in the future.


Partnering with MITERD to launch Spain’s first national energy efficiency certificate database

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**Deyde DataCentric**, a Spanish technology company specialized in data quality, geolocation, and information validation and enrichment, and a member of the group, has signed a collaboration agreement with the **Ministry for Ecological Transition and the Demographic Challenge** (MITERD in Spanish) for the design, development, and implementation of a unified national database for Energy Performance Certificates (EPCs) in Spain.

This cooperation agreement between Deyde DataCentric and MITERD will allow the creation of an efficient system of shared and updated information to know exactly the energy situation of the residential stock and facilitate the control and identification of deficiencies and possible errors in the EPCs.

'In addition to our experience in database management, validation and enrichment, we will contribute our knowledge of energy consulting and the housing sector, which comes from being part of the Tinsa Group. Deyde DataCentric has developed the algorithm for modelling energy performance certificates that enables Tinsa to catalogue the energy efficiency level of every house in the country'

Deyde DataCentric will be responsible for designing, building and implementing this single database of validated, corrected and enriched energy certificate information at the property cadastral reference level during the 4-year contract.

“In addition to our experience in database management, validation and enrichment, we will contribute our knowledge of energy consulting and the housing sector, which comes from being part of the Tinsa Group. Deyde DataCentric has developed the algorithm for modelling energy performance certificates that enables Tinsa to catalogue the energy efficiency level of every house in the country," explains Deyde DataCentric.

Supported by this technological expertise and its energy and real estate consultancy, Deyde DataCentric will be responsible for enriching and validating the information in the registers of the Spanish Regions updated data from additional public sources and with information exclusively owned by Deyde DataCentric.

This public-private partnership initiative will improve the quality and structure of information on residential energy efficiency in Spain. By validating that the information on the certificates is consistent and meets the technical criteria, it will provide a true aggregate picture of the energy situation of the housing stock. This transparency is essential to promote public policies that help citizens improve the energy efficiency of their homes, in line with the objectives set by Europe,' the company explains.

Deyde DataCentric will also provide the technological infrastructure in the cloud under the main international information security standards, as it has the prestigious ISO 27001 certification from Aenor.


Tinsa IMIE Spain local markets 2T2024

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On-geo Days 2024 – the event of the year attracts nearly 400 participants 

More than 400 professionals attended the two days of round tables, practical workshops and networking at on-geo Days, the annual property valuation conference organised by Germany's on-geo GmbH, part of the Tinsa Group. The event is held in Erfurt, the capital of the German state of Thuringia and the company's headquarters.

The on-geo Days have established themselves as a key platform for property professionals wishing to update their knowledge and network with other property valuation experts.


The first day covered topics such as banking regulations, «Bauen im Bestand» ('Building on Existing Assets'), 'ESG Scoring', 'Easy Financing with baufi.me' and 'AI in the Valuation Process'.

The second day of the conference began with a general presentation of the more than 1,000 valuation committees that exist in Germany. There was also a roundtable discussion on ESG and how companies are preparing for new regulations and demands on efficiency and sustainability.

You can find out more about the on-geo days in this [video](https://on-geo.de/wp-content/uploads/manuell/on-geo-days-24-V3%20UT.mp4)

The Tinsa Group acquires urbanData Analytics

Spanish shore housing report 2024

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ISO 27701 certification for the companies in Spain, Portugal and Morocco 

The AENOR certification company has awarded the Tinsa Group the most prestigious international privacy certification: ISO 27701:2021. This certification validates the company's continuous efforts to establish, implement and maintain a solid Information Privacy Management System.

The certification applies to the following Group companies in Spain, Portugal and Morocco Tinsa España, Tinsa Digital, Taxo España, Balkide, PVW Tinsa Portugal and Tinsa Maroc.
This recognition is in addition to the ISO 27001 information security certification that these companies obtained in March 2023.

These certifications not only demonstrate our organisation's commitment to the highest standards of information security and privacy but also add tangible value. They increase our credibility in the marketplace and improve our competitive position,' says Ramón Mateos, the Group's CIO.


'These certifications not only demonstrate our organisation's commitment to the highest standards of information security and privacy but also add tangible value. They increase our credibility in the marketplace and improve our competitive position'

The combination of ISO 27001 and ISO 27701 provides the following benefits:

1. **Comprehensive Information Security and Privacy Management** - Combines security and privacy frameworks for comprehensive management of sensitive data.
2. **Resource optimisation and cost reduction** - Eliminates redundancies and optimises processes for greater operational efficiency.
3. **Enhanced compliance** - Complies with regulations and laws related to information security and privacy.
4. **Strengthened customer trust and brand reputation** - Demonstrates a strong commitment to data protection, enhancing customer confidence and reputation in the marketplace.
5. **Continuous improvement and adaptation to change** - Fosters a culture of continuous improvement to maintain the relevance and effectiveness of management systems.
6. **Increased resilience to cyber threats** - Strengthens the ability to withstand and recover from potential cyber incidents.
7. **Increased innovation and creativity** - Promotes a secure environment that stimulates innovation and business creativity.
8. **Alignment with strategic objectives** - Integrates data security and privacy into the overall business strategy to maximise value.
9. **Building trust in internal processes** - Increases transparency and trust by demonstrating responsible information management.
10. **Improving relationships with suppliers and business partners** - Strengthens business relationships by being recognised as a reliable and privacy-friendly partner.

Agricultural land in Spain 2023

Tinsa Spain IMIE local markets 1T2024

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Discover the key trends in the agricultural sector in Spain with Tinsa's “Agricultural land in Spain 2023”. This comprehensive analysis addresses how prolonged drought, and climatic changes have affected agricultural production, and how, despite these challenges, the value of agricultural land has experienced notable increases.
The report provides detailed data on the revaluation of different crops, highlighting growth in rainfed fruit trees and irrigated arable crops, as well as emerging trends in the Spanish agricultural market. Access essential information to understand the present and future of the agricultural sector in Spain. 

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