What about a kickstart for a new collaborative microstock agency?

[Tenebroso]

I think it is too late for another (Micro)-Stockagency. 2004 it would have been possible, 2004 Symbiostock would have been a success but now it is too late it was already 2010 way too late we now have 2020. Even old and well established agencies like Dreamstime (they have been one of the first before Fotolia/Adobe) now struggle against the big three Shutterstock/Adobe/Getty-iStock. It's too late! Stocksy only can survive because it is exclusive, member-limited and highly curated (contributor and picture-wise).

So the solution is to create something exclusive. Well, something exclusive is done. If success is achieved for those inside, goal accomplished. Can be done. Although most of those who think in this forum say no, among other things because of their own experience in the past and the current circumstances of the market. Let's live new experiences. Flavored with the current decade of 2020.

[cascoly]

...

I would think you would need about 20,000E a year for legal fees and maybe 10,000E for liability insurance.

so you're spending 10X more on legal & insurance than you are on marketing??
where are you getting these nice round numbers? have you actually done the research or are you just tossing #s out there?