News & Events

on-geo unveils a refreshed visual identity: new look, same trusted strength

Sometimes, a refreshed look is all it takes to give proven strengths a new shine. **on-geo by Accumin** has unveiled its **new visual identity**, following an in-depth creative process guided by a clear vision.

While the look has evolved, the core remains unchanged. The new design is **more modern, clearer and closely aligned** with what on-geo stands for: **reliability, quality and innovation.**

Explore on-geo’s new look at **[www.on-geo.de](https://www.on-geo.de)**.


Accumin shares strategic insights on Latin America’s real estate market at The District Show

A new milestone in Accumin’s journey: growing together as one team

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Latin America’s real estate market offers significant opportunities, while also presenting unique complexities that global capital must understand and navigate. These themes were at the core of the panel **“LATAM Real Estate Institutional Capital Meets Local Complexity”**, held as part of **The District Show**, featuring **Jesús Ramón Orozco de la Fuente**, Head of North Latam at **Accumin** and Managing Director of **Tinsa Mexico by Accumin**.

In a dynamic Q&A format, Jesús Ramón Orozco built on a conversation he had previously initiated at Legacy Bridge in Mexico, highlighting the structural links between LATAM and EMEA through investment vehicles such as **SOCIMIs** in Spain, **REITs** in the United States and **FIBRAs** in Mexico.

His contribution provided a forward-looking perspective on:
- The outlook for **industrial, hospitality and residential** markets across Latin America.
- The evolution of **FIBRAs** within Mexico’s current political and social context.
- What investors can expect from the region’s real estate landscape in **2026**.

This exchange reflected what sets Accumin apart: the ability to combine **deep local expertise with a global perspective**, enabling the industry to better anticipate risks and capture emerging opportunities.

As a **sponsor of The District Show**, Accumin remains committed to bringing these strategic discussions to the forefront of the global real estate agenda.

Persch Consult by Accumin awarded EcoVadis Gold Medal once again, ranking among sustainability leaders

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At **Accumin**, we are pleased to announce that **Persch Consult GmbH**, part of the Accumin Group, has once again been awarded the **EcoVadis Gold Medal**, one of the most recognised international sustainability ratings for corporate performance.

With an outstanding overall score of **80 out of 100**, placing the company in the **97th percentile**, Persch Consult by Accumin ranks among the **top 5% of real estate companies worldwide**, reaffirming its strong commitment to responsible and sustainable business practices.

The assessment highlights particularly strong performance across the following key areas:
- **Environment:** top 1%
- **Labour and human rights:** top 5%
- **Sustainable procurement:** top 5%
- **Ethics:** top 8%

This achievement reflects Persch Consult by Accumin’s ongoing dedication to transparency, sustainability and ethical conduct, as well as the consistent integration of these values into its day-to-day operations.

At Accumin, we firmly believe that long-term value creation goes hand in hand with social and environmental responsibility, and this recognition further strengthens our commitment to leading by example within the real estate sector.


Accumin’s Reinstatement Value Model brings precision to real estate and insurance decisions

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In today’s market, where risks are increasing and mistakes carry a high cost, **precision is no longer a luxury, it is a necessity.**

**The Reinstatement Value Model (RVM) developed by Accumin**, in collaboration with **Troostwijk by Accumin**, translates more than **90 years of valuation expertise into a scalable, data-driven solution** designed for the digital era.

The RVM enables **insurers, brokers and large property owners** to address some of the most critical risks when buying, selling or insuring real estate:
- **Underinsurance**, by reducing exposure to inaccurate reinstatement values.
- **Outdated portfolios**, through fast and consistent portfolio-wide updates.
- **Inconsistent data**, using an element-based methodology that delivers robust and defensible values.

What once required weeks of manual work can now be **achieved in minutes**, thanks to **seamless API integration with insurers’ systems**, scalability across large portfolios and the backing of **expert surveyors for complex cases**.

At Accumin, we believe the future of real estate and insurance lies in the combination of **expertise, technology and reliable data**. With the Reinstatement Value Model, we are turning that future into reality.

Accumin Recognized as 'Best Real Estate Advisor' at The District

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Accumin was honoured with the 'Best Real Estate Advisor' award at The District, Spain's largest professional real estate event, which took place in Barcelona from 30 September to 2 Octobe- The event brought together over 350 companies and 14,000 international real estate professionals and investors.

This prestigious award recognises Accumin's leadership, expertise and comprehensive range of services that empower companies and individuals to see value clearly and make informed decisions, as well as our dedication to providing the real estate sector with cutting-edge solutions and valuable insights. The award was accepted on Accumin's behalf by Manuel Hurtado, Accumin's Global Head of Intelligence.


We were proud to participate in The District as an Event Partner, with a significant presence in the conference program. On the opening day, Jesús Orozco, Head of North Latam and Managing Director of Tinsa México by Accumin, analyzed the current and future trends in the industrial, hospitality, and residential markets in Mexico.  On the second day, Manuel Hurtado shared insights on the evolution of the European taxonomy and how to measure and analyse climate risks at the round table about the impact of sustainability in the real estate sector.

Attendees also had the opportunity to learn more about Accumin's solutions for real estate professionals during a corporate presentation by Manuel Hurtado and Raquel Gómez, Head of Real Estate & Valuations at Accumin Intelligence. The session focused on the application of data and artificial intelligence across the entire real estate investment value chain. A key highlight was the introduction of Accumin Data House, the new market intelligence platform from Accumin Intelligence. This innovative tool provides an updated, 360-degree view of a real estate asset, helping users improve their analysis, optimize portfolios, and identify new growth opportunities.

We continue to work hard to honour our Best Real Estate Advisor award and come back even stronger in the next edition.


Accumin appoints Marcel Beyer as new Global Head of Software

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Where are the opportunities in Latin America’s residential markets?

In a context marked by more compact housing, public support schemes and changing buyer behaviour, understanding how each city is evolving has become essential for informed decision-making.

In an exclusive session for the **EXATEC** community, the global alumni network of **Tecnológico de Monterrey**, experts from **Accumin** shared insights drawn from the **INCOIN register**, focusing on the residential markets of Mexico, Chile and Peru.

**Mexico City** shows strong development activity, with more than 1,000 active projects, almost all of them vertical. Mid-range housing leads sales, while luxury accounts for a limited share. Long-term mortgages of up to 30 years and delinquency levels below 2% support demand. At the same time, average unit sizes have decreased, moving from around 90 square metres to 70.

In the **Santiago Metropolitan Area**, Chile, the market counts over 1,100 projects, alongside a gradual reduction in available stock that points to a healthier balance. One-bedroom units represent the largest share of sales. DS19 subsidies continue to support mid- and lower-income segments, while upcoming elections and new energy efficiency requirements are expected to influence market dynamics.

**Lima and Callao, Perú**, stand out for affordability. With more than 1,000 active projects and around 26,000 units in stock, the average price sits close to USD 130,000, the lowest among the three markets. Mortgage access from the pre-construction phase remains a competitive advantage, while developers increasingly rely on shared amenities to compensate for smaller private spaces.

Different cities, different realities. What they share is a market in transformation where access to reliable data is key to identifying opportunities.


Access to housing in Spain: rising pressure and the importance of clear data

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Accessing housing has become increasingly challenging across many countries. Real estate markets are under strain due to sustained price increases, limited affordable supply and demographic and economic changes that affect both renting and homeownership.

In **Spain**, demand for housing continues to grow, particularly for rental and affordable options, while supply remains constrained. This imbalance is further shaped by an evolving regulatory environment, with new laws and public programmes designed to improve access through financial support, rehabilitation grants and rental incentives.

These measures can be effective, but their impact depends on proper execution. Eligibility criteria, technical documentation, property valuation and energy certification often determine whether support can be accessed.

At **Accumin**, we see data as the starting point for better decisions. We continuously analyse residential market dynamics, focusing on price evolution, regulatory context and affordability indicators, with the aim of providing a rigorous and accessible perspective on housing access.

To assess the current pressure in Spain, we analysed the latest **IMIE Local Markets report**, produced by **Tinsa España and Accumin Intelligence**. The report combines price trends based on Tinsa’s valuation data with financial and market activity indicators.

A key metric in the analysis is the **theoretical effort ratio**, which estimates the share of household disposable income required to cover the first year of a mortgage financing 80% of the average home price. The national average stands at **34.1%**, while seven provinces exceed the **35%** threshold often considered a reasonable upper limit. The highest levels of pressure are observed in Málaga (58%), the Balearic Islands (49%) and Madrid (45%), followed by Cádiz, Alicante, Sevilla and Barcelona.

At city level, Madrid, Málaga, Barcelona, Cádiz and San Sebastián all exceed **50%**, indicating particularly high stress. Values between **40% and 50%** are recorded in Sevilla, Granada, Salamanca, Valencia, Palma, Santander and Pamplona. Among Spain’s six largest cities, only Zaragoza remains below the risk threshold, at **32%**.

Through our ongoing work, we will continue to monitor these indicators as part of a broader content series analysing access to housing across different markets. After Germany and Spain, the next focus will be Portugal.


Access to housing in Portugal: supply constraints at the centre of the imbalance

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Access to housing remains one of today’s most significant socio-economic challenges. While its drivers are global, the way the pressure materialises varies by country. As part of our ongoing series on residential markets, **Accumin** focuses on **Portugal**, a market shaped by local constraints that reflect wider international trends.

In this analysis, **Pedro Mestre**, Director at **PVW Tinsa by Accumin**, examines the roots of the country’s housing shortage. The core issue is a sharp contraction in supply. Annual new housing completions fell from around **100,000 units between 2000 and 2010** to approximately **10,000 units per year** over the following decade.

This gap is reinforced by structural supply-side constraints. Construction rules differ across municipalities and remain complex. New residential development is subject to a **23% non-deductible VAT**. Construction costs have more than doubled, while the previous downturn significantly reduced the sector’s capacity.

At the same time, demand has intensified. Portugal’s population increased by **around 400,000 people** over the last ten years. International investment has expanded, with buyers from more than **90 nationalities** attracted by its appeal for primary homes, second residences, short-term rentals and investment assets.

This imbalance has favoured **Build to Sell** developments, often aimed at higher-income buyers, over the development of a **Build to Rent** market, limiting rental options for local households.

In this context, access to reliable data and rigorous analysis is essential. At Accumin, we provide the clarity needed for developers, investors and public authorities to assess constraints, understand market dynamics and support a more transparent and efficient residential market.


Accumin Intelligence shares insights on data and AI at NPL RES 2025

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**Javier Ventas Sánchez, Advisory Director at Accumin Intelligence**, participated yesterday as a speaker at **NPL RES 2025**, joining the panel _“Innovation in NPLs: data, AI and advanced recovery strategies”_.

The session brought together industry professionals including **Antonio Fernández García-Fraile**, Managing Director at Finsolutia; **Javier Picas Asmarats**, Business Development Director at SOGEMEDI; and **Conrado Caviró Méndez**, Chief BU Investors at doValue Spain.

The discussion focused on **the role of data across the full value chain**, from capture and governance to processing and analytical use in valuation models. The panel also explored how **artificial intelligence and process automation** are improving efficiency in the real estate and NPL markets, while reshaping pricing methodologies and recovery strategies.

The exchange highlighted the importance of integrating advanced analytics and AI-driven tools to remain competitive in an environment where accuracy, speed and consistency are increasingly decisive.


The new US–EU trade agreement brings clarity to markets and implications for real estate

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The new trade agreement between the United States and the European Union introduces a clearer framework for transatlantic trade. A **single 15% tariff** on most EU exports to the US, covering sectors such as automotive, pharmaceuticals and semiconductors, reduces uncertainty that had been weighing on macroeconomic expectations.

From a real estate perspective, this clarity may help **restore investor confidence**, particularly in **industrial and logistics** assets, which are closely linked to global trade flows. 

In Europe, a more stable outlook combined with lower interest rates is expected to continue supporting housing demand. The outlook is more nuanced in the United States. Persistent inflationary pressures and weaker purchasing power could limit momentum in the residential market, despite the easing of trade-related uncertainty.

In [our latest analysis](https://www.accumin.com/intelligence/insights/articles/how-could-the-current-trade-war-impact-the-real-estate-market), **Cristina Arias Baniela**, Director of Research Services at **Tinsa España**, examines the economic context and its potential impact on real estate markets on both sides of the Atlantic.


Is rural Germany the answer to the housing challenge?

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Property investment in Germany has traditionally focused on major cities. However, the current imbalance between supply and demand is prompting a reassessment of the market: while urban areas face very low vacancy rates, rural regions account for nearly two million empty flats. This phenomenon, often referred to as Landflucht in reverse, is gaining momentum and opening up new investment opportunities. 

The growing appeal of rural living is driven by several structural factors. First, housing costs in rural areas remain significantly lower than in cities, where rents and purchase prices can be up to 30% higher. This cost differential positions rural locations as a more accessible alternative for both residents and investors.

Beyond affordability, lifestyle considerations are playing an increasingly important role. Many households are prioritising tranquillity, space and proximity to nature. This shift is further reinforced by the rise of remote and hybrid working models, enabled by improving digital infrastructure: by mid-2024, over 40% of German households had access to fibre optic broadband. 

In parallel, substantial government housing support is enhancing rural affordability. Key measures include more than €11 billion allocated to residential construction through the Special Infrastructure and Climate Neutrality Fund, alongside €700 million committed by 2026 to the Young buy old programme, which provides favourable financing for families renovating older properties. 

At Accumin, we closely analyse these evolving market dynamics to strengthen our clients’ investment strategies. We support investors and real estate stakeholders in identifying and capturing emerging opportunities within the German property market. 


Is energy certification really impacting real estate value?

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Energy performance certificates are now a regulatory requirement in many markets and an increasingly visible factor in residential decision-making. The key question is whether they are translating into **tangible value** for owners, investors and lenders.

At **Accumin**, we analysed data from several of the markets where we operate to understand how energy certification is influencing residential value in practice. The findings show clear differences across countries.

In **Spain**, a recent study conducted by **Tinsa España, Accumin Intelligence and IESE Business School** confirms the existence of a measurable green premium. On average, each improvement of one energy efficiency letter is associated with a 1.3% **increase in property value**, consistent across market segments. This is the first study to objectively demonstrate this relationship in Spain. The analysis also highlights remaining challenges related to the technical quality and consistency of issued certificates.

In **Germany**, the regulatory framework is among the most advanced in Europe. Even so, the rate of energy-efficient refurbishment remains below target, at **0.69%** per year, and adoption of efficient technologies has slowed. Market evidence points to administrative complexity and uncertainty around incentives as factors influencing renovation decisions, despite the potential for value uplift.

In **Chile**, the Energy Efficiency Law (Law 21.305) requires energy certification for all new residential buildings from 2025 onwards. **More than 170,000 certificates** have already been issued, supported by the development of green mortgage products that link financing conditions to energy performance.

In **Mexico**, there is still no mandatory energy certification system. Some developers and financial institutions apply voluntary standards such as LEED or EDGE, but **fewer than 5% of new residential units** currently fall under any recognised sustainability scheme.

Across markets, one conclusion stands out. Energy certification can influence asset value when it is **robust, credible and consistently applied**. Its impact depends less on regulation alone and more on technical soundness, traceable data and market confidence.

Oodit achieves ISO/IEC 27001 certification, strengthening its commitment to information security

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**Oodit** has officially achieved **ISO/IEC 27001 certification**, the leading international standard for information security management systems.

This milestone highlights Oodit’s strong commitment to protecting sensitive data and ensuring the highest standards of **risk management, control and information security**, providing a secure and reliable environment for partners and clients.

For **insurers, brokers and GRC leaders**, this certification delivers additional confidence in how Oodit manages information security across all areas, from infrastructure and platform architecture to internal processes and regulatory compliance.

Tinsa Chile by Accumin achieves ISO/IEC 27001 certification

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**Tinsa Chile by Accumin** has obtained **ISO/IEC 27001 certification**, the leading international standard for information security management systems.

This certification marks a significant step forward in strengthening data protection, risk management and cybersecurity practices across the organisation. It reinforces Tinsa Chile by Accumin’s commitment to quality, trust and continuous improvement in an environment where information security is increasingly critical.

The achievement was made possible thanks to the leadership and dedication of **Osvaldo Painamil** and the IT team at Tinsa Chile by Accumin, whose work was key to reinforcing systems and ensuring robust data protection throughout the certification process.

Spain’s coastal market remains resilient, according to the Coastal Property 2025 report

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Real Estate price transparency

[The Bank of Spain and the Ministry of Housing have recently signed a cooperation agreement to improve the analysis of the housing market in Spain.](https://www.europapress.es/economia/construccion-y-vivienda-00342/noticia-banco-espana-ministerio-vivienda-colaboraran-mejora-analisis-mercado-vivienda-20250630145420.html) This agreement aims to strengthen the quality of the information available, foster collaboration between both institutions, and advance toward a deeper and more structured understanding of the real estate and housing sector. Among its objectives are the creation of a shared data space and the joint development of analytical projects.

Reinforcing this move toward greater market insight, [the Bank of Spain has also entered into a new agreement with the General Council of Notaries](https://www.eleconomista.es/legal/noticias/13466847/07/25/el-consejo-general-del-notariado-y-el-banco-de-espana-firman-un-convenio-para-reforzar-el-analisis-del-mercado-inmobiliario.html). This collaboration is designed to further strengthen real estate market analysis by leveraging the precise and detailed data generated through notarial activities, complementing the broader push for enhanced data quality and research.

At Accumin, we see this development as an opportunity to improve transparency and build trust across the entire residential ecosystem; including a genuine conversation we believe is essential: the need to improve transparency around actual sale prices as a lever for a less opaque and a more precise and trustworthy sector. 

We’ve been working for some time with ﬁnancial institutions and other sector stakeholders to promote more accurate, data-driven, and calibratable models. Spain has a complex system in terms of access to real sale price information: the data exists, but it is subject to access restrictions, aggregation, and time lags. Even so, we believe there is room for progress — even without major legislative changes.

There are useful examples across Europe. In the United Kingdom, actual sale prices are openly accessible to all market participants. In Germany, although the real sales prices data is not public, there are systems in place so that appraisal ﬁrms and banks have access to real data allowing them to improve the quality and consistency of their valuations and risk assessments. Both models show that there are viable ways to make better use of available information and raise industry standards.

Improving transparency beneﬁts all stakeholders in the residential ecosystem: citizens and consumers, who can make better-informed decisions; ﬁnancial institutions, which can manage risk more effectively; and supervisory authorities, which gain more reliable tools to assess market conditions.

The recent announcement from the Bank of Spain and the Ministry of Housing opens the door to further progress in this direction. Not only from an institutional standpoint, but as part of a broader cultural and technical shift already underway.

At Accumin, we will continue contributing our experience, technological capabilities, and international perspective to support the evolution and trust on a real estate and housing market that is more efﬁcient, more transparent, and better aligned with the real needs of all its participants.

Accumin joins the United Nations Global Compact

Price per square metre in Chile continues to rise in new housing despite stabilisation in total values

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Tinsa Colombia by Accumin achieves ISO/IEC 27001:2022 certification

**Tinsa Colombia by Accumin** has achieved **ISO/IEC 27001:2022 certification**, the leading international standard for information security management systems.

The certification confirms that the company’s processes and systems meet the most demanding requirements for information protection and risk management, strengthening the security of data belonging to clients, employees and partners.

This milestone was made possible by the work of the local team, led by **Andrés Ariza Dupont**, together with the IT team at Tinsa Colombia by Accumin, who delivered a rigorous implementation aligned with international standards throughout the certification process.
At **Accumin**, this achievement forms part of a broader commitment to applying consistent security, control and reliability criteria across all markets in which the group operates.


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