Watch List
Profitus holds an ECSP licence from the Bank of Lithuania and reports zero capital losses across EUR 273 million funded since 2017. But negative FY24 equity places the platform on our Watch list with a C+ grade.
Watch List
Strong loan record, weak platform balance sheet
Profitus is a Lithuanian real-estate crowdlending platform that holds an ECSP licence from the Bank of Lithuania, which enforces conduct rules but carries no compensation scheme covering borrower defaults. The platform has funded EUR 273 million in loans since 2017 and reports zero capital losses to date. Projects include buy-to-let rental properties and short-term development loans, most secured against real estate with conservative loan-to-value ratios.
The C+ grade reflects a split picture: loan performance has been solid, but the platform's FY24 financial statements show negative equity. While loans continue to pay on schedule and the ECSP licence remains valid, negative equity introduces platform-continuity risk that cannot be ignored. You face two layers of exposure - loan risk and platform risk - which is why Profitus sits on the Watch list rather than the Green list.
Profitus offers auto-invest functionality, monthly rental-income payouts on buy-to-let loans, and bullet interest on development loans at project completion. No secondary market exists, so you hold loans to maturity or exit via buyback if the platform offers it.
Profitus holds an ECSP (European Crowdfunding Service Provider) licence from the Bank of Lithuania, obtained under the EU Crowdfunding Regulation. ECSP licensing enforces conduct rules, disclosure standards and cross-border passporting rights, but it carries no capital compensation scheme. If a borrower defaults, no fund steps in to cover your losses. Loans are secured against real estate with typical loan-to-value ratios below 70 percent, which provides collateral backing but not a guarantee. The negative-equity position in FY24 adds a platform-level risk layer: if Profitus cannot restore positive equity, regulator intervention or restructuring becomes possible. Your protection is collateral-based recovery from borrowers, not platform-level guarantees.
Profitus reports zero capital losses across EUR 273 million funded since 2017. Loans are structured with real-estate collateral and conservative valuations, and the platform has managed recoveries on delayed projects without passing losses to investors. Rental-income loans pay monthly, while development loans pay bullet interest at completion. The nine-year operating history without capital losses is a strong data point. However, negative equity in FY24 means the platform's own financial health is weaker than the loan portfolio would suggest. Delivery has been solid on the loan side; the question is whether the platform structure can sustain it.
Profitus advertises around 10 percent annual yield. Real returns depend on loan selection, hold time and fees. Rental-income loans pay lower yields but offer monthly cash flow, while development loans pay higher yields at project completion. No public aggregated realised-return data exists, so yield reality is harder to verify than on platforms that publish portfolio statistics. The 10 percent advertised figure is achievable if you hold diversified loans to maturity, but lumpy payouts on development loans and potential delays reduce consistency. Yield reality scores 60 because the advertised number is plausible but not transparently tracked across the investor base.
Profitus is owned by UAB Profitus, a Lithuanian entity. Ownership concentration is moderate, and no publicly disclosed related-party lending exists. The ECSP licence requires annual audited accounts filed with the regulator, which provides transparency. The negative-equity position in FY24 is the key structural concern: liabilities exceeded assets on the balance sheet date. While the platform continues to operate normally, negative equity raises questions about capital adequacy and long-term viability. If equity cannot be restored through profits or fresh capital injection, the regulator may step in. This structural risk is why Profitus sits on the Watch list despite strong loan performance.
No secondary market exists on Profitus. You hold loans to maturity - typically 6 to 24 months for development loans, longer for rental-income loans. The platform may offer buyback on select loans if it chooses, but no contractual secondary-market mechanism exists. If you need early liquidity, you wait for loan maturity or negotiate a manual exit with platform support. Exit options are minimal, which is standard for smaller real-estate platforms but reduces flexibility compared to Mintos or PeerBerry.
Sign up with an email address and complete KYC verification by uploading government-issued ID. Verification takes one to two business days. Profitus requires full identity confirmation under ECSP regulations.
Transfer funds via bank wire from a European bank account. Deposits arrive within one to three business days. The minimum initial deposit is EUR 100.
Browse available loans on the platform dashboard - rental-income loans and development loans. Set auto-invest rules by project type, loan-to-value ratio and yield, or select individual loans manually. Most investors use auto-invest to spread risk across multiple projects.
Rental-income loans pay monthly interest. Development loans pay bullet interest at project completion. No secondary market exists, so you hold loans to maturity or exit via buyback if the platform offers it.
Request withdrawals back to your registered bank account. Withdrawals process within one to three business days. No withdrawal fees apply for standard bank transfers.
Fits if: You want ECSP-licensed real-estate P2P with a nine-year track record of zero capital losses, accept platform-continuity risk from negative equity, and plan to hold loans to maturity without needing a secondary market.
Does not fit if: You require positive platform equity and stable financials, need early liquidity via secondary markets, or want transparent aggregated realised-return data across the investor base.
| Platform | Grade | Licence | Yield | Min | Secondary | Key difference |
|---|---|---|---|---|---|---|
| Profitus | C+ | ECSP (LT) | ~10% | EUR 100 | No | Zero capital losses, negative FY24 equity |
| InRento | A | ECSP (LT) | ~11.8% | EUR 500 | No | Only ECSP buy-to-let platform, zero losses in 5y, positive equity |
| Crowdpear | B | ECSP (LT), ISO 27001 | 10.6-14% | EUR 100 | No | Profitable 2024, ownership overlaps PeerBerry |
InRento is the cleaner choice if you want ECSP-licensed real-estate P2P with no negative-equity concerns. InRento specialises in buy-to-let loans, reports zero capital losses in five years, and operates with positive equity. The EUR 500 minimum is higher than Profitus, but the platform-level risk is lower.
Crowdpear also holds an ECSP licence and turned profitable in 2024, but ownership overlaps with PeerBerry and the platform is younger. Crowdpear offers development and rental loans similar to Profitus but with fewer years of track record.
Profitus sits between them: longer operating history than Crowdpear, stronger loan performance than many competitors, but weaker platform financials than InRento. If loan-level track record matters more than platform-level balance sheets, Profitus makes sense. If you want both, InRento is the safer bet.
Profitus holds an ECSP licence from the Bank of Lithuania and reports zero capital losses across EUR 273 million funded since 2017. However, the platform's FY24 financial statements show negative equity, which introduces platform-continuity risk. ECSP licensing enforces conduct rules but carries no compensation scheme covering borrower defaults. The C+ grade reflects solid loan performance weighed against structural concerns.
Profitus reports zero capital losses across EUR 273 million funded since 2017. Loans are secured against real estate with conservative loan-to-value ratios. While the loan portfolio has performed well, platform-level financial health introduces a separate layer of risk.
Negative equity in FY24 means Profitus's liabilities exceeded its assets on the balance sheet date. While loans continue to perform and payouts flow normally, negative equity raises platform-continuity questions. If the platform cannot restore positive equity, regulator intervention or restructuring becomes possible. Your exposure is to both loan risk and platform risk.
Yes. Profitus offers auto-invest functionality, letting you set allocation rules by project type, loan-to-value ratio and yield. Most investors use auto-invest to spread funds across multiple loans without manual selection.
The minimum initial investment is EUR 100. Once funded, you can allocate as little as EUR 100 per individual loan.
Profitus advertises around 10 percent annual yield. Real returns depend on loan selection, hold time and fees. Rental-income loans pay monthly, while development loans pay bullet interest at project completion. No secondary market exists, so you hold loans to maturity or exit via buyback if the platform offers it.
InRento holds an ECSP licence and reports zero capital losses in five years with no negative-equity concerns, earning an A grade. Crowdpear, also ECSP-licensed, turned profitable in 2024 and shares ownership links with PeerBerry but carries B-grade concentration questions. Profitus sits between them: strong loan performance but weaker platform financials. If you want pure real-estate P2P with minimal platform risk, InRento is the cleaner choice.
Profitus earns a C+ grade and Watch-list placement because loan-level performance has been solid - zero capital losses across EUR 273 million funded since 2017 - but platform-level financial health introduces risk that cannot be ignored. The ECSP licence enforces conduct and disclosure standards, real-estate collateral provides backing, and auto-invest functionality simplifies diversification. But negative equity in FY24 means the platform's liabilities exceeded its assets, which raises platform-continuity questions even as loans continue to pay on schedule.
You face two layers of exposure here: loan risk and platform risk. Loan risk has been managed well; platform risk is unresolved. If you accept that split and plan to hold loans to maturity without needing a secondary market, Profitus can fit a satellite allocation in a diversified P2P portfolio. If you want both strong loan performance and stable platform financials, InRento offers the cleaner package.
Before you commit, read our guide to P2P risks and safety and understand that ECSP licensing carries no compensation scheme covering borrower defaults. Your capital is at risk. No return is guaranteed. Profitus belongs on a watchlist, not a shortlist.
See how Profitus stacks up against every graded European P2P platform - from A+ to D - on protection, delivery and structure.
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