Broker Review

Clema Capital describes itself as a partner-owned firm based in Luxembourg, active as an investor, asset manager, and advisor. Their stated clients include high-net-worth individuals, entrepreneurs, family offices, companies and large institutions.

• Wealth management and tailored advisory services (covering asset management, insurance, pensions, generational planning)

• Alternative investments: private equity (since 2012) and real-estate (since 2016) for clients who ordinarily might only have access via institutions

• A platform for investment teams and partners to launch new funds/structures, providing capital, legal/financial infrastructure and networks

• The company is registered in Luxembourg at 19-21 Route d’Arlon, L-8009 Strassen; Trade Registry No. B158128; VAT No. LU31192367.

On the private investment side, they claim their typical direct investments target a 3-5× return over 3-5 years in select private equity and real-estate cases.

Business model & value proposition

Their pitch is one of “active value creation” rather than passive investing:

• They emphasise being a “partner for value creation” — meaning they attract top portfolio managers and investment teams, align interests with investors, and take active roles in investments.

• Their platform allows clients to access less-commonly available asset classes (private equity, unlisted real estate) which are often reserved for large institutions.

• They also provide infrastructure for investment teams: custody, licenses, investor networks, deal-sourcing, board support, strategic planning.

In essence, the company portrays itself as bridging institutional-level investments and services to clients and managers who may otherwise not have access.

Key strengths and features

• Diverse offering: From standard wealth management (portfolios, asset classes) to bespoke direct investments in private equity and real estate.

• Access to alternative investments which typically carry higher return potential (and higher risk) than public markets.

• Active involvement: They claim to source opportunities, perform due diligence, engage with investment teams and entrepreneurs, thereby positioning themselves beyond simply “fund-sales”.

• Luxembourg base: Luxembourg is a well-known European centre for investment funds and cross-border financial services, which can lend credibility in terms of structure and domicile.

• Clear transparency in some areas: The website gives basic registration details and declares typical return targets (though with the standard “past performance not guarantee” disclaimers).

Important cautionary note

• On 8 September 2025, the Commission de Surveillance du Secteur Financier (CSSF), Luxembourg’s financial supervisory authority, published a warning concerning the website www.clema-capital.lu, stating it is used for identity theft and illicit activities.

• The CSSF specifically says that while the legitimate company Clema Capital S.à r.l. (19-21 Route d’Arlon, L-8009 Strassen) is a registered entity, it has no link with the fraudulent website. Additionally, a website called Broker Horizon lists clema-capital.lu as part of a “scam warning” regarding unrealistic guarantees, unverifiable performance, and aggressive solicitation.

Summary

Clema Capital S.à r.l. presents itself as a full-service investment & wealth management platform in Luxembourg, offering both traditional wealth services and direct access to alternative investments (private equity, real estate). On paper, the business model and offering sound sophisticated and aligned with institutional-type investment strategies. The existence of a regulatory warning by the CSSF concerning a website using the “clema-capital.lu” domain, claiming identity theft and illicit activities, is a serious concern. The potential upside (access to alternative investments, tailored services) is paired with elevated risk—especially given the regulatory red flag.