News
European Housing in the Century of Cities – A New Perspective on Europe’s Housing Crisis
European Housing in the Century of Cities – A New Perspective on Europe’s Housing Crisis What if Europe’s housing crisis is not primarily a housing problem, but an urban one? In this thought-provoking article, renowned urbanist Greg Clark argues that …
EFL Finance Conference 2026 8-9 October in Paris
Financing Social & Affordable Housing in the New Era Join Europe’s leading finance conference for social and affordable housing How can social and affordable housing providers continue to invest in new construction and large-scale renovation while interest rates remain high, …
EFL Conf. 2026 Rotterdam: Housing Shortages to Urban Regeneration
From 3–5 June 2026, housing professionals, policymakers, researchers and industry experts from across Europe gathered in Rotterdam for the annual European Federation for Living (EFL) Conference. Hosted in cooperation with Ortec Finance and Woonstad Rotterdam, the conference explored one of …
Topic Group Digitisation 16-18 September 2026 Nice
Artificial Intelligence in Housing: From Inspiration to Practical Implementation 16–18 September 2026 | Nice, France Draft agenda click HERE. Registration: click HERE. Artificial Intelligence is transforming the way housing organisations work. From tenant communication and customer services to asset management, …
EFL Conference 2026 in Rotterdam
Meet Paul Krugman (one of the world’s most influential economists and Nobel Prize laureate), Greg Clark (Globally speaking Urbanist), Peter Boelhouwer (Netherlands most renowned housing profesor) and many others at the next EFL’s Conference! We are pleased to invite you …
Topic Group Construction & Architecture 22-24 April in Berlin
Can modular construction really deliver faster, affordable housing for European cities? Join the EFL Construction & Architecture Topic Group Meeting – Berlin, 22–24 April 2026 Registration CLICK HERE Agenda click HERE Across Europe, housing providers are facing the same urgent …
Upcoming
September
No Events
October
01oct11:0012:30EFL & Eurhonet Topic Group Social Housing
Event Details
This takes place on October 1st from 11.00-12.30 hrs CET. See the link below for connecting.From Sweden we have a special speaker, Nikolina Kostic,
Event Details
This takes place on October 1st from 11.00-12.30 hrs CET. See the link below for connecting.
From Sweden we have a special speaker, Nikolina Kostic, who has recently who is Head of Property Development at housing organisation Telge Bostäder in Södertälje. Their website is https://www.telge.se.
She will present, followed by an interactive session, about the so called SBM model.
A brief description of her model is provided below:
SBM
SBM (Social Balance Sheet Model) is a strategic framework designed to help housing companies and public real estate actors make better long-term investment decisions by integrating financial performance, climate impact, and social value into one decision-making structure.
The model starts from a simple but often overlooked insight: not all value is visible in a traditional financial statement.
In many housing portfolios, the true long-term outcome of an investment is not determined solely by rent levels, maintenance costs, or yield — but also by factors such as tenant stability, social trust, neighborhood resilience, operational complexity, vacancy risk, and the long-term cost of social fragmentation.
SBM does not replace traditional property valuation. Instead, it complements it by answering a different question: Where should we invest first — if we want to strengthen both financial sustainability and societal value over time?
The framework is particularly relevant for public housing companies, where the mission is dual by nature:
to operate according to business principles, while also contributing to socially sustainable housing supply and long-term community stability.
SBM therefore offers a way to move beyond short-term logic and instead evaluate investments through three interconnected dimensions:
- Financial return
- Climate and resource performance
- Social yield / social risk reduction
This makes it possible to identify where investments create the greatest combined value, not only in terms of immediate profitability, but in terms of reduced volatility, lower future costs, stronger neighborhoods, and more resilient portfolios.
At its core, SBM is about this shift: From asking what a property is worth today, to asking what kind of portfolio we are building for tomorrow.
Thank you for attending this session, under the leadership of Corné Koppelaar (Topic Group Social Housing) and Dragana Curovic (Eurhonet).
Microsoft Teams meeting
Join: https://teams.microsoft.com/meet/389347878817339?p=VtunkFnghrgT4BJkPw
Meeting ID: 389 347 878 817 339
Passcode: Fk7Sj9DU
Virtual Event Details
Join the live stream
Time
1 October 2026 11:00 - 12:30(GMT+02:00)
November
17nov10:0011:30EFL General Assembly & Presentation on AI
Event Details
Official online General Assembly for EFL Members and Associate Partners. Participation on invitation only. Are you an EFL member and did not receive the Teams
Event Details
Official online General Assembly for EFL Members and Associate Partners. Participation on invitation only. Are you an EFL member and did not receive the Teams invitation? Write a short mail to info@ef-l.eu.
Time
17 November 2026 10:00 - 11:30(GMT+01:00)
December
No Events
January
No Events
February
No Events
Combining the shared knowledge of social housing providers with the cutting-edge thinking of leading private sector companies and academic institutions, we make sure that our members and associates are at the forefront of innovating property and community development in Europe. Want to know more?
Combining the shared knowledge of social housing providers with the cutting-edge thinking of leading private sector companies and academic institutions, we make sure that our members and associates are at the forefront of innovating property and community development in Europe. Want to know more?






