Il CSNN Report sul Presunto Sistema Criminale per portare imprenditori europei al fallimento

How to Become a Billionaire Using Other People’s Money? A Cross-European Asset-Stripping Scheme Exposed. CSNN Investigative Report

Civil Society News Network (CSNN) publishes a new investigation uncovering a multi-layered, transnational mechanism used to dispossess European entrepreneurs of their assets through coordinated banking, legal, and financial operations. Evidence gathered by CSNN indicates a structured network in which — alongside organised criminal groups — appear individuals from professions traditionally associated with public trust, including lawyers, court officers, and employees of selected financial institutions.

Business owners — often long-established entrepreneurs holding valuable assets — become targets of a system designed to force them into insolvency and then transfer their property through transactions that outwardly appear legal and market-based.

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Phase One: From Bank Loan to Forced Insolvency

According to CSNN’s investigative findings, the scheme typically begins within the banking sector.
1. A bank issues a mortgage loan, secured by high-value properties — from
commercial centres to investment land.
2. The borrower repays the loan regularly, sometimes for many years.
3. Suddenly, the bank terminates the loan agreement, often citing vague,
minor, or entirely unsubstantiated reasons.
4. The bank refuses a settlement or proposes terms impossible for the borrower
to accept.
5. The case proceeds to court, while an aggressive enforcement process is
launched in parallel.
6. During enforcement, irregularities appear — including improper VAT handling
or property valuations drastically below market value.

At this stage, the entrepreneur faces severe financial pressure — often the moment  when the next actors enter the system

Phase Two: The “Last Chance” Loan — Insurance Fees and Cryptocurrency Transfers

During the crisis, the business owner receives an offer for alternative financing.
It is most often presented by:
– a former business partner,
– an acquaintance,
– intermediaries linked to financial institutions,

– individuals posing as representatives of U.S., UK, Italian, or other international companies.

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The loan is conditioned on the payment of an “insurance fee”, which — as discovered by CSNN — is frequently required in cryptocurrency. This makes the funds difficult to trace or recover and provides a highly convenient environment for fraud. Contracts appear legitimate: they contain logos of major insurance companies and financial institutions, representatives communicate fluently in English, and correspondence often comes from corporate-looking domains hosted in cloud services.

In practice:
– funds are transferred to anonymous crypto wallets,
– the loan is never issued,
– the entrepreneur loses the last remaining liquidity — often money borrowed from
the very individuals offering “help.”

In many cases, the “insurance” amount mirrors the artificially reduced valuation of the property seized earlier during enforcement.

Outcome: Total Asset Loss and the Disappearance of Funds

After both phases, the entrepreneur is left:
– without assets,
– without liquidity,
– often with additional legal and procedural liabilities.

Meanwhile, properties and valuable assets are transferred to entities linked to individuals participating in the scheme. The operation is executed “in white gloves,”
while legal responsibility is shifted onto institutions that formally act within the boundaries of the law.

CSNN holds evidence suggesting personal and operational links between actors across various stages: banks, lawyers, intermediaries, enforcement officers, and organisers of fraudulent loans.

A Transnational Criminal Infrastructure

Entities involved in the scheme appear across several jurisdictions, including:
– the United States,
– the United Kingdom,
– Italy,
– Spain,
– the Netherlands,
– Balkan states.

The mechanism is highly coordinated, and its elements repeat almost identically in multiple European countries.
Why Do Entrepreneurs Fall Into the Trap? Time pressure and fear of losing the company are the primary factors blurring the ability to assess risk. Business owners trust the assurances of alleged financial rescuers because the alternative — losing assets to bank enforcement — appears worse.

Only later do they discover that all elements of the scheme were connected long before the crisis began.

What Comes Next?

CSNN continues the investigation into:
– cryptocurrency flows,
– the role of bank employees,
– links between international legal firms,
– artificial undervaluation of properties,
– patterns of cross-border fraud.

In upcoming reports, we will disclose the detailed operational model and provide recommendations for regulators, law-enforcement agencies, and civil-society watchdogs.

To be continued.
Prepared by: Mr. Paul C., Journalist, CSNN
Civil Society News Network — Investigative Desk, Europe Section