Regulated
Bonus running
Can sell early
- Risk level
- High
- Risk-return
- Medium
- Start from
- €50
Referral link · capital at risk
See 42 projects →
Moment Credit
Lithuania
UAB Moment Credit lends instalment loans of up to €10,000 to people in Lithuania. Mintos investors lend it money and earn interest. Our memo scores it 45 out of 100, but a test that overrides the score makes it an E, and puts the chance it fails to pay within a year at 25% or more.
Key figures
- Average rate
- 9.13%
- average, not guaranteed
- Loan portfolio
- €3,204,935
- Start from
- €50
Capital at risk. The rate is agreed, not guaranteed: if a borrower defaults you can lose some or all of your money.
Would AI invest?
AI 45 LowOur AI gives this project 45 out of 100: Low. How the AI score works
Information, not personal investment advice. The AI score rates the documents the platform publishes, can be wrong, and does not predict returns.
AI review
AILender memo · Lithuania
Moment Credit: how likely is it to fail to pay its lenders?
UAB Moment Credit is a licensed Lithuanian company that lends instalment loans of up to €10,000 to people. Investors on the Mintos platform lend money to it. This memo asks one question: what is the chance it fails to pay those lenders back in the next 12 months, and why.
THIS IS NOT FINANCIAL ADVICE. This memo was prepared with the help of AI from publicly available documents. It is general information for education only — not a recommendation to buy, sell or hold anything, and it does not take account of your circumstances. Figures may contain errors; check them against the original documents. Investing through P2P platforms can result in the loss of all money invested.
Our score
45/ 100
E Veto
ABCDE
at least 25%chance it fails to pay in the next 12 months
at least 1 in 4the same number, put the other way round
Where that sits on our scale
Our framework caps this lender at 0% of a portfolio — nothing at all. That is not a view about the company’s future. It is what our scale does whenever one of the tests that override the score is triggered, and one is. Lithuania as a country is the most generous in our coverage and would allow 40% for all its lenders added together, but the company limit is the one that binds, and here it is zero. These caps are a convention of our scale, applied to every lender we cover. They are not advice about your money.
It lends to its own group more than half of the money its owners have put in — so the cushion that is supposed to protect its lenders is lent to the people who own it
We ask six questions about every lender: does it earn enough, are its loans being repaid, does it have enough of its own money to absorb losses, how risky is its country, can we trust its numbers, and are there warning signs. Each is scored 1 to 5 and weighted. On those six alone this company scores 45 out of 100 — a D, about 1 in 12, or 8.65%. The four cards below show how that lands. But a separate test overrides the score, and it is triggered, so the answer at the top of this page is at least 25%.
💶 Earnings and cushion E
about 19.4%It kept 7.93 of every 100 of income in 2025 and covered its interest 1.50 times. Almost half of what it owns is a claim on its own group.
📉 Are its loans being repaid? D
about 12.5%12.6% of the book had defaulted at the end of 2025, and 69% of that is provided for. What we cannot see is what the bad loans really cost.
🇱🇹 How risky is Lithuania? A
about 0.3%The best country in our coverage: the euro, courts that work, a sovereign rated A. The thing to watch is the price cap that falls by nearly half in November.
⚖️ Trust and warning signs D
about 12.5%Two clean audits. But its sister company’s audited accounts say Moment Credit guaranteed a loan, and Moment Credit’s audited accounts say it guarantees nobody.
This is the finding that overrides the score: €4.18m lent to its own group and to its shareholders’ controlling persons, against €5.72m of owners’ money.Our test fires when a lender has lent more than half of its owners’ money to people or companies connected to it. Half of this cushion is €2.86m, and the lending is €4.18m — 1.5 times the level that triggers the test. The money earns about 1% a year, while Moment Credit pays about 9.6% on its own borrowing; carrying it therefore costs roughly €0.36m a year, against a whole pre-tax profit of €0.47m. The audited notes do not say which companies owe it, and they treat it as fully recoverable because management expects the borrowers’ “future cash flows will be sufficient”. On top of it sit €4.57m of non-voting shares in Mozipo Holding, valued by the company’s own model, and €1.35m of software and other intangible things. Strip the group claims and the intangibles out and the owners’ money is not €5.72m but about minus €4.4m.
Two sets of audited accounts disagree about whether this company has guaranteed somebody else’s loan.The audited notes of its Romanian sister, Mozipo IFN, say the sister’s original 2017 Mintos loan is “guaranteed by UAB Moment Credit, Lithuania, Mozipo Aps, Denmark, Kalfo UAB, Lithuania”. Moment Credit’s own audited notes say “The Company does not guarantee obligations of other parties”, and that it “did not provide any guarantees or suretyships to related parties”. Both cannot be right as written. The innocent explanation is that the guarantee died with the 2017 facility, whose final maturity was 29 September 2022 and of which only €25,447 was left at the end of 2024. The other explanation is that Moment Credit’s notes leave it out. Neither company explains, and neither set of notes says whether the sister’s later contracts carry the same guarantee. If such a guarantee exists and covers them, the sister’s Mintos borrowing — €2.2m on the platform’s own page — is a claim that could land on this company.
Why this number matters
Every investment carries risk, and risk is not really a letter or a mark out of ten. It is two plain questions: how likely is it that this company fails, and how much of your money would you lose if it did. Put those together and you can see whether the reward is worth it.
For Moment Credit: Mintos shows an average rate of 9.13% on this company, read on 9 November 2026. The audited accounts give a similar picture: Moment Credit pays about 9.6% a year on its own borrowing, and investors through the cash pools are part of that borrowing. On our reading the chance of this company failing in the next twelve months is at least 25%. If a quarter of lenders like this one fail and about 70% of the money is gone when they do, the risk costs about 17.5% a year — which is more than the rate pays. On those numbers the reward is about −8.4% once the risk is paid for. That is our arithmetic on our own scale, and you are entitled to disagree with the scale; what you should not do is read a rate on its own. Check the rate you are actually offered, because ours is the platform's average and not a quote.
Three things worth holding on to
1. The rate is a promise, not a result
Any advertised rate is what you are promised if everything goes well. What you keep is that rate minus what failures cost you. So the rate on its own tells you very little.
2. A cushion that has been lent out is not a cushion
Owners’ money protects lenders only if it is still there to absorb a loss. When more than half of it has been lent to the owners’ own companies at about 1%, you are relying on those companies, not on the cushion.
3. A good country does not rescue a weak balance sheet
Lithuania is the safest country we cover, and it genuinely lifts this score. It does not change where the money inside the company has gone.
The company at a glance
What it is
Licensed consumer lenderOn the Bank of Lithuania’s register of consumer-credit providers since 29 June 2011, company code 300657515. Twenty-three staff in Vilnius, with branches in Kaunas and Klaipėda.
What it sells
Loans to €10,000Instalment loans over 3 to 72 months, unsecured, all to people living in Lithuania. Its own published example: €4,000 over 60 months at 25.44% interest, 36.43% a year all-in.
How big
€8.7m loan bookUp by about a fifth in 2025. Income of €4.53m, up from €4.01m, and a profit after tax of €0.36m.
Who owns it
Six holdersFour Lithuanian companies and two individuals, none above 18%. There is no parent company standing above it.
Where an investor can lend to it
Platform
MintosListed there as UAB Moment Credit (Mozipo Group). You lend to the company, not to its borrowers.
Amount outstanding
€3.2mMintos’s own figure, read on 9 November 2026 (it was €5.4m on 13 September 2026). The audited accounts never name Mintos; they show €6.05m owed to “investors through cash pools” at the end of 2025, which we read as mostly Mintos.
Rate and Mintos Risk Score
9.13% · score 7.8 out of 10From Mintos’s public list of lending companies, read on 9 November 2026: average rate 9.13%; Mintos Risk Score 7.8 (portfolio performance 9.0, servicer efficiency 9.7, buyback strength 4.7, cooperation structure 6.5), as updated by Mintos on 9 October 2026. Mintos lists a buyback; the buyback terms themselves open only to someone logged in, and we have not read them.
The full review covers the borrower or company, the security, the cash flow, the risks and a verdict. Sign in to read it.
Information, not personal investment advice. The AI score rates the documents the platform publishes, can be wrong, and does not predict returns.
Ask AI about this project
Sign in to ask the AI about this project's documents.
Sign inLike this project?
👍 Yes · 0 👎 No · 0
Comments · 0
- No comments yet.
The platform and similar projects
Offered on
Similar open projects
IuteCredit Bulgaria
Mintos
- Average rate
- 8%
- average, not guaranteed
- Loan portfolio
- €518.8k
From €50
See project