We build the technology Portuguese real estate has been missing.
FAIRBANK researches structural gaps in European property markets. Then builds the technology companies to fill them. Our team of data scientists, engineers, and developers works from Lisbon.
Research
We spend months mapping transaction friction — regulatory gaps, data blind spots, infrastructure missing from the market. We build only when the gap is confirmed.
Build
Our 20-person Lisbon team — data scientists, AI engineers, full-stack developers — designs and builds the product from scratch. No white-labelling. No off-the-shelf stacks repurposed.
Operate
We run the companies. FAIRBANK provides technology infrastructure, capital, and market intelligence to each portfolio company as it scales.
European real estate runs on fragmented infrastructure. That creates durable technology opportunities.
Portugal is not an anomaly. Pre-purchase inspections exist but follow no common standard. Property data sits in disconnected municipal databases. Buyers — foreign and domestic — transact on incomplete information and absorb liability they do not fully understand.
Legislation is accelerating the gap. Decreto-Lei n.º 10/2024 (DL 10/2024) transferred 100% of undisclosed defect liability to buyers. The EU's Energy Performance of Buildings Directive (EPBD 2024/1275) mandates renovation passports by May 2026. Gas inspection compliance remains at an estimated 50–60% of required properties (DGEG).
These are not edge cases. They are structural conditions that apply to hundreds of thousands of transactions each year. FAIRBANK builds infrastructure at that intersection — between regulatory obligation and market capability.
Three companies. One transaction chain.
Each FAIRBANK portfolio company addresses a distinct phase of the Portuguese real estate transaction. They share common ownership and technology infrastructure. They operate as separate brands with separate management.
InspectOS
inspectos.pt
Standardised property inspection infrastructure.
InspectOS is a proptech company built on a three-phase inspection framework: pre-purchase due diligence before the promissory contract (CPCV) is signed, active construction and renovation monitoring, and final handover certification. The framework covers structural condition, energy compliance, gas and electrical safety, moisture analysis, and permit status.
The software was built by FAIRBANK'S Lisbon engineering team. Physical inspections are executed by certified Portuguese professionals — Ordem dos Engenheiros-registered civil engineers, ADENE-accredited energy specialists, and DGEG-registered gas technicians.
The gap it fills
Inspections existed in Portugal before InspectOS. No unified protocol brought pre-purchase, construction-phase, and final certification under one standard, one reporting format, and one auditable digital record. InspectOS is that standard.
Rezerva
rezerva.pt
Off-market property transaction infrastructure.
Rezerva operates the technology layer for off-market property transactions in Portugal — connecting buyers and sellers before properties reach the open market. The platform addresses a structural condition of the Portuguese market: a significant portion of high-value transactions occur off-market, with no formal infrastructure to facilitate them.
Visit rezerva.ptHomeOS
homeos.pt
Housing and asset management technology.
HomeOS is a property intelligence platform for owners post-purchase. Three modules: a document vault for ownership records and legal documents, a compliance calendar tracking EPBD deadlines and regulatory obligations, and a renovation history log creating a continuous asset record. For owners who want to manage the value, compliance, and documentation of their property in one place.
Visit homeos.ptBuilt in Lisbon. Designed for the European market.
FAIRBANK'S 20-person team works from Lisbon across three disciplines: data science, AI engineering, and full-stack development. The team built the inspection software, reporting architecture, and data infrastructure for InspectOS from scratch. The same infrastructure supports Rezerva and HomeOS.
The FAIRBANK operational model is a deliberate choice: build the technology ourselves, operate the companies ourselves, and maintain the quality standard across the portfolio. We do not outsource the technology that defines our products.
20-person engineering team · Lisbon
Three portfolio companies operating
Founded on 12 months of Portuguese property market research
The regulatory calendar is running. The market infrastructure is not keeping up.
Three converging regulatory changes define the Portuguese property market in 2026.
DL 10/2024 — Simplex Urbanístico
Effective January 2024. Eliminated mandatory municipal verification at point of sale. Transfers all undisclosed defect liability to the buyer at the escritura (deed of sale). For buyers — foreign and domestic — this means the inspection and due diligence they conduct before signing is now the only protection they have.
EPBD Directive 2024/1275
Portugal's transposition deadline is 29 May 2026. Class G properties are already banned from new rental contracts from January 2026. Renovation passports become mandatory by May 2026. An estimated 35.8% of Portuguese buildings need restoration work (INE Census 2021).
Gas compliance gap
APEG — the body that previously certified gas inspection companies — dissolved on 31 December 2025. An estimated 50–60% of properties requiring mandatory gas inspections under DL 97/2017 are not currently compliant. Pre-2018 installations must have their first inspection completed by 26 August 2028 (DGEG).
FAIRBANK portfolio companies operate at each of these intersections. The regulatory calendar is the product roadmap.
Press and media enquiries.
For media coverage, investor relations, or partnership enquiries, contact the FAIRBANK communications team directly. Press materials and company backgrounders are available on request.
FAIRBANK Spins Out InspectOS to Standardize Property Inspection Infrastructure
[EN]
InspectOS Launches Standardized Three-Phase Inspection Framework
[EN]
InspectOS lança framework normalizado de inspeção predial
[PT]
FAIRBANK Portfolio: InspectOS, Rezerva, and HomeOS
[EN]
Investor enquiries and partnerships.
FAIRBANK is based in Lisbon, Portugal. For investment conversations, partnership proposals, or media requests, reach us directly.