57201
investors
Profitus is a Lithuanian crowdfunding platform for property loans, run by UAB Profitus Crowdfunding in Vilnius and registered in 2017. It has financed €432.3 million across 2,403 projects, and has 57,201 registered investors, of whom 15,926 are active (statistics page, October 2026). In 2024 it financed €87 million, about 48% of the Lithuanian crowdfunding market.
You lend from €100 per project, choosing loans yourself or with automatic investing. Borrowers are property developers and businesses, mainly in Lithuania. Loans run 3 to 36 months, most around a year. Each project has a credit rating from AAA downwards. Investors who are not classed as sophisticated take an appropriateness test and get a four-day period to withdraw an offer.
Profitus shows an investor return (XIRR) of 10.46% a year across the platform on its statistics page (October 2026). It does not explain how this is calculated or how loans in recovery are counted. Individual loans are marketed at up to 14%. Independent tracking of investor portfolios points to a median of about 9.5% a year (August 2026). Lithuania withholds 15% tax on interest; non-residents can reduce this by filing a treaty form.
Profitus publishes a yearly default table: in 2025, 15 of 327 loans (4.6%) had at least one default event in the year, after 5.5% in 2024 and 2.9% in 2023; the overall rate is 4.9%. It does not say after how many days a loan counts as defaulted. On its statistics page (October 2026), €12.30 million (2.85% of all money lent) was under recovery and €2.88 million (0.67%) was late. Measured against the loans still outstanding, that is about 10.3% under recovery and 12.8% late or under recovery together (calculated from the platform's own figures), a share that has risen during 2026. No realised loss or recovery figure is published.
Loans are secured by a mortgage on property, usually first-ranking, and owners often give personal or company guarantees. Each property is valued independently, and the average loan-to-value is 69.55% (October 2026): on average the property is valued at about 1.4 times the loan. No maximum loan-to-value is published, and some loans have gone up to 85% to 95%. There is no buyback and no reserve fund. Profitus does not publish how much it has recovered from failed loans. In plain words: property backs each loan, but with less margin than at some peers and no record of what recoveries have returned.
UAB Profitus Crowdfunding (company code 304570552, Vilnius) holds a European crowdfunding service provider licence from the Bank of Lithuania (LB002224), valid since 10 November 2023. No fine or measure by the regulator was found. Investors' money is held in segregated payment accounts with Lemonway SAS, a French payment institution, apart from Profitus's own funds. No deposit guarantee or investor compensation scheme applies.
Profitus publishes no investor fee list on its public pages. Investing in new loans is reported to be free, and selling on the secondary market costs the seller 2% of the sale. Withholding tax on interest is the largest deduction for most investors.
Plan to hold each loan until it is repaid, usually around a year, or longer if it goes into recovery. The rules allow selling loans to other users, but several reviews since the platform's 2023 relaunch report that the secondary market was unavailable, and others say a sale can take days or weeks.
Return: High — 10.46% a year investor return on the statistics page (October 2026). Risk: Medium (higher means more risk) — the 2025 default rate of 4.6% alone would be low, but we rate it one step worse because about 13% of the outstanding book is late or in recovery, recoveries and losses are not published, default is not defined in days and users report payment delays. Risk-return: High — a high return for a medium level of risk on property-backed loans.
License / Regulation: UAB Profitus Crowdfunding (company code 304570552) holds a European crowdfunding service provider licence under Regulation (EU) 2020/1503 from the Bank of Lithuania, licence LB002224, valid since 10 November 2023. It may facilitate loans, place securities, apply credit scores and suggest prices. No deposit guarantee or investor compensation scheme applies.
Yes. UAB Profitus Crowdfunding holds a European crowdfunding service provider licence from the Bank of Lithuania (LB002224), valid since 10 November 2023. No deposit guarantee or investor compensation scheme covers your investments.
Uninvested money is held in segregated payment accounts with Lemonway SAS, a French payment institution, separate from Profitus's own funds. Once invested, it is lent to the borrower.
€100 per project.
The statistics page shows an investor return of 10.46% a year (October 2026). In 2025, 4.6% of loans had a default event. €12.30 million is under recovery and €2.88 million is late, about 13% of loans still outstanding. Realised losses and recoveries are not published.
A mortgage on property, usually first-ranking, often with guarantees from the owners. The average loan-to-value is 69.55%, but there is no published maximum and some loans reach 85% to 95%. There is no buyback or reserve fund, and recovery results are not published.
The rules allow it, for a 2% fee paid by the seller, but several reviews since the 2023 relaunch report that the secondary market was unavailable, and a sale can take days or weeks. Plan to hold each loan until it is repaid.
No investor fee list is published; investing in new loans is reported to be free, and selling on the secondary market costs the seller 2%. Lithuania withholds 15% tax on interest, which non-residents can reduce with a treaty form.
If a borrower fails, Profitus enforces the mortgage for investors, which can take time, and you may get back less. If Profitus failed, money held with Lemonway is kept apart from its funds, but no compensation scheme applies and the loans would need to be run by someone else.
It has financed €432.3 million across 2,403 projects since 2017, with 15,926 active investors (October 2026). In 2024 it financed €87 million, about 48% of the Lithuanian crowdfunding market.
