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investors
Röntgen is a Lithuanian crowdfunding platform run by UAB "Trečia diena" in Vilnius. Investors lend to property developers, and on some projects to aviation businesses, through short-term business loans secured by a first mortgage. It has issued €360.2 million of loans, of which €92.2 million are active (as shown on its statistics page on 1 November 2026). It says it raised €95.2 million in 2025, 45% more than in 2024, and €29.8 million in the first quarter of 2026.
You register, pass identity checks and choose projects yourself, from €100 in steps of €100. Each project is rated from A+ (lowest risk) to D-. Loans are large: the project open on 1 November 2026, a land plot on Pabarės g. in Vilnius, sought €1.33 million at 7.5% to 9.5% a year. Interest rates on projects ranged from 6% to 9.5% in the first quarter of 2026. No automatic investing is described.
The statistics page shows an average return of 8.65% (read 1 November 2026). The page does not date or define it; it is most likely the average interest rate on loans. Because the platform reports no lost capital, the return after losses would be close to this figure by its own data, but no net return is published as such.
Röntgen reports that 2 loans have ever become non-performing, 0.98% of its loans, against an expected 8%. It shows a recovery rate of 100%, an actual loss given default of 0% and an average of 4 months to recover (1 November 2026). In April 2026 it said it has never had a case of lost capital and that its only significantly late project was being sold. The statistics show no late loans. These figures come from the platform alone, are undated and do not state what they are measured against, and no yearly default-rate table was found on the public pages.
Every loan is secured by a first mortgage on real estate in favour of investors, whatever its risk rating. The platform says the collateral is always 30% to 40% more valuable than the loan. There is no buyback or provision fund. If a borrower has temporary difficulties, the term may be extended with an interest bonus for investors; otherwise Röntgen starts recovery through seizures, debt collectors, courts or bailiffs and represents investors throughout. Single loans can be large (€1.33 million for the project open on 1 November 2026), so a failure would weigh heavily on investors in that project.
The operator is UAB "Trečia diena", Gynėjų g. 14, Vilnius. It is a licensed crowdfunding platform under the EU crowdfunding regulation, included in the Bank of Lithuania's public list of crowdfunding platform operators and supervised by the Bank of Lithuania. The licence number is not shown on the site. Its business continuity plan has been agreed with the Bank of Lithuania.
Röntgen charges investors no fees for using the platform. Fees for project owners are not published. Lithuanian residents pay 15% tax on interest above €500 a year; for foreign residents, 15% is withheld before interest is paid.
Money comes back when the loan is repaid. To sell earlier, you email a request and Röntgen looks for a buyer among its investors and arranges the sale; it does not guarantee a sale and says selling at full value is often difficult, so sellers usually give up some interest. Inexperienced investors can cancel an investment within four calendar days.
Return: Medium. The average return is 8.65%. Risk: Very low (higher means more risk). The platform reports no lost capital, only 2 non-performing loans (0.98%) and full recovery, and every loan carries a first mortgage. These figures are undated and self-reported, and loans are large. Risk-return: High, as the return comes with very few losses so far.
License / Regulation: UAB "Trečia diena", which runs Röntgen, is a licensed crowdfunding platform under the EU crowdfunding regulation, included in the Bank of Lithuania's public list of crowdfunding platform operators and supervised by the Bank of Lithuania. The licence number is not shown on the site. Investments are not covered by a deposit guarantee or investor compensation scheme.
Yes. UAB "Trečia diena", which runs Röntgen, is a licensed crowdfunding platform included in the Bank of Lithuania's public list of crowdfunding platform operators and supervised by the Bank of Lithuania. The licence number is not shown on the site.
Until it is passed to the project owner, your money is held in a restricted e-money account in the project owner's name, which neither the owner nor the platform can use. The e-money institution is not named on the public pages.
€100, and investments go up in steps of €100. There is no maximum.
The platform shows an average return of 8.65% (read 1 November 2026). It reports 2 non-performing loans ever (0.98%), both recovered in full, and says it has never had a case of lost capital. These figures are self-reported and undated.
Every loan has a first mortgage on real estate in favour of investors. The platform says the collateral is always worth 30% to 40% more than the loan. There is no buyback or provision fund.
You can ask Röntgen by email to find a buyer among its investors; it arranges the sale if it finds one but cannot guarantee it, and sellers usually give up some interest. Inexperienced investors can cancel within four calendar days.
None. Röntgen charges investors no fees for using the platform.
If a borrower cannot pay, the term may be extended with an interest bonus, or Röntgen enforces the mortgage through courts, bailiffs or debt collectors. Its business continuity plan, agreed with the Bank of Lithuania, is meant to protect investors if the platform stops operating. No compensation scheme covers losses.
For Lithuanian residents, interest above €500 a year is taxed at 15% and declared by the investor. For foreign residents, 15% is withheld before interest is paid. Check your own country's rules too.
