Ronda Invest - Risk and return review
Ronda Invest - Returns and loss rates
Ronda Invest – Pros & Cons
About Ronda Invest
What it is
Ronda Invest is a Czech platform in Prague, run by RONDA INVEST a.s., that has offered investments in property-secured business loans since 2018. It lends to small and medium developers and businesses, mainly in Czechia (one current offer is in Slovakia), and then sells shares in those loans, called participations, to private investors. It says it has financed projects worth more than CZK 4 billion and paid investors more than CZK 370 million in returns (undated, read 1 November 2026).
How it works
Ronda Invest first lends from its own money. Once the borrower has started repaying, it offers the loan to investors as participations. You pick each loan yourself, from CZK 1,000 for 'action' offers, CZK 10,000 for standard and CZK 100,000 for premium offers, in Czech crowns or euros. Returns are paid monthly and the capital comes back at maturity, typically 11 to 17 months on the current offers. Seven offers were open on 1 November 2026.
Returns
The platform advertises returns of up to 8% a year. The current offers pay 6.75% (11 months), 7.08% (17 months) and 7.28% (premium, 11 months) a year, as of 1 November 2026. It publishes no average or realised return, only the rounded total of returns paid out.
Losses and defaults
The platform claims that every investor has always been paid back their capital and returns on time and calls this '100% reliability'. The claim is undated, has no definition or base, and covers investors' participations, not the loans themselves: because Ronda lends first and stands between borrower and investor, a borrower's default could be absorbed by Ronda and not show in this claim. No default rate, late-payment figure or recovery figure is published.
What secures your money
Each loan Ronda Invest makes is secured by a mortgage on one or more properties, with a loan-to-value of up to 70% according to the platform, usually 50-70%, and in most cases in first rank. Notarial deeds with consent to enforcement, arbitration clauses and pledged insurance payouts are added to speed up recovery. The mortgage is held by Ronda Invest, not by you: you buy a participation in a loan Ronda itself made, and its risk sheet says a participation gives you no claim against the borrower, only a claim against Ronda. So the property protects Ronda, and you depend on Ronda staying solvent and passing on what it recovers. There is no buyback, reserve fund or insurance for investors. One current offer (land in Ostravice, 1 November 2026) shows a loan-to-value of 77.72%, above the 70% the platform states as its limit. No recovery figures are published.
Who runs it and its licence
RONDA INVEST a.s. (company number 063 70 772) is based at Olivova 2096/4, Prague 1. It holds no licence: answering a public request, the Czech National Bank stated on 23 September 2026 that Ronda Invest is not and has never been the holder of any authorisation, licence or other permission. The bank did not say whether selling participations requires one. The platform is not in the European register of licensed crowdfunding providers (October 2026). This means no regulator supervises how Ronda runs the loans or keeps investors' interests apart from its own. Investors' cash moves through accounts at PAYMONT UAB, a Lithuanian electronic-money institution.
Fees
The platform says investing is online and completely free of fees for investors (1 November 2026). Its risk sheet says fees charged by Ronda can lower the return, so check each participation's contract. Accounts at PAYMONT are mostly free, with small charges for some services in its price list.
Getting your money out
The public pages describe no secondary market and no way to sell a participation early. You get your capital back when the loan is repaid at maturity, plus monthly returns until then. Borrowers may repay early without a fee after 12 months, which shortens your investment. If a borrower stops paying, Ronda decides how to enforce, and recovery through the property can take time.
Our view
Return: Medium - offers pay up to 8% a year (6.75-7.28% on current offers, November 2026), with nothing realised published. Risk: Medium (higher means more risk) - Ronda's claim that no investor has lost money would on its own give the lowest level, Very Low, but we move it two steps worse because the Czech National Bank stated in September 2026 that Ronda has never held any licence; Ronda itself is the lender so you depend on its solvency, and its zero-loss claim is not defined. Risk-return: Low - only advertised rates are known and nothing realised is published, so the return cannot be weighed against what investors actually lose.
Regulation
License / Regulation: No licence - RONDA INVEST a.s. (company number 063 70 772, Prague) holds no authorisation from the Czech National Bank. Answering a public request, the bank stated on 23 September 2026 that Ronda Invest is not and has never been the holder of any authorisation, licence or other permission; it did not say whether selling loan participations requires one. Ronda Invest is not in the European register of licensed crowdfunding service providers (October 2026). No compensation scheme covers the investments.
Functionality
For Investors
Useful Information
No. The Czech National Bank stated on 23 September 2026 that Ronda Invest is not and has never been the holder of any authorisation, licence or other permission. It did not say whether selling loan participations requires one. Ronda Invest is not in the European register of licensed crowdfunding providers.
Money moves through a multi-currency account at PAYMONT UAB, an electronic-money institution licensed by the Bank of Lithuania (licence no. 80). Once you invest, your money finances a loan made by Ronda Invest, and you hold a claim against Ronda, not against the borrower.
CZK 1,000 for 'action' participations, CZK 10,000 for standard and CZK 100,000 for premium ones. Some offers are in euros.
The platform advertises up to 8% a year; current offers pay 6.75% to 7.28% (1 November 2026). It claims every investor has always been repaid on time, but gives no default rate, base or date for that claim, and publishes no realised return.
Each loan is secured by a mortgage on property at up to 70% loan-to-value, according to the platform, mostly in first rank. The mortgage is held by Ronda Invest. Your participation gives you no claim against the borrower, so the property protects you only through Ronda. One current offer shows a loan-to-value of 77.72%.
The public pages describe no secondary market or early exit. Your capital comes back when the loan is repaid, typically after 11 to 17 months on the current offers.
The platform says investing is free of fees. Its risk sheet notes that fees charged by Ronda can lower the return, so check each contract. PAYMONT charges small amounts for some services.
If a borrower fails, Ronda decides how to enforce the mortgage and passes on what it recovers. If Ronda itself becomes insolvent, your participation is a claim against Ronda, ranking with its other creditors, and no compensation scheme applies. The risk sheet says you can lose part or all of your money.
Returns are not taxed when paid. Czech and Slovak investors declare them in their own tax return; Ronda uploads yearly summaries to the investor portal. Investors elsewhere follow their own country's rules.
