DATEV feels like a government apparatus straight from the 80ies though, I don't think that's a good example. It's slow and expensive, feels very bureaucratic.

DATEV feels like a government apparatus straight from the 80ies though, I don't think that's a good example. It's slow and expensive, feels very bureaucratic. A good example are housing coops though. They work rather efficiently, have not turned into bureaucratic monsters, and provide housing to their members at sub-market rates (at least in the larger cities), while still being profitable and usually paying ~4% as a dividend.