Litauische Immobilien-ECSP-Plattform mit 362 Mio. € finanziert und 9,11 % historischer Rendite.
Profitus ist eine litauische Immobilien-Crowdfunding-Plattform unter dem ECSP-Regime, 2017 gegründet. Sie hat über 362 Mio. € in objekt-besicherten Krediten im Baltikum und der EU finanziert, mit einer historischen Nettorendite von 9,11 %, Mobile-App und transparenten Projekt-Updates auch bei verzögerten Krediten.
Profitus is a real estate crowdfunding platform headquartered in Lithuania. Retail and accredited investors fund debt, P2P lending opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.
Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at €100 and typical deal terms run 12–36 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.
Operations are supervised by Bank of Lithuania. Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.
Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.
The platform advertises target gross yields in the ~9.11% net APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Lithuania macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Headline yields are quoted before the value of the asset-backed (mortgage / collateral). In a normal market this protection has historically smoothed the realised return; in a stressed market its value depends on the originator’s capacity to honour the buyback.
Suited to investors looking for collateralised income with a 12–36 months horizon, comfortable with project delays, periodic write-downs and the limited liquidity typical of property deals. Minimum ticket from €100. Best used as a complement to a diversified fixed-income allocation, not as a substitute for it.
Capital at risk. Investments on Profitus are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Buyback risk. The buyback guarantee is a contractual promise from the loan originator — not from the platform, and not from any government. Multiple originator failures since 2020 have shown the protection can fail in practice.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@profitus.com — confirm on the platform’s contact page before sending sensitive information.Profitus operates under supervision of Bank of Lithuania. Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €100. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 11.4% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — the buyback guarantee from the originator should refund principal plus accrued interest, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Profitus’s own balance sheet, as required by the rules of Bank of Lithuania. In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12–36 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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Easy to use an app
Funds transfer to profitus took too long in my opinion. Good thing is they offer new opportunities contantly so need to rush to invest on a single open option or so
Paid out everytime
I have been investing for five years now and I get a steady nice return without any problems.
Good place to earn money. I have invested 3 times, everything was OK.
Great experience.
Quick, professional an reliable.
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It is good. Than you!!!
Unfortunately, the photo entry into the system has become very inconvenient. Out of the five times I've tried to log in, the SMS hasn't arrived three times. Logging in has become a problem.
Overall, it's a positive experience with good information provided on the projects. There are usually several projects available, making it easy to reinvest returns. Progress updates on delayed payments are consistently provided, which gives me confidence that active steps are being taken to recover investments. The interface could be improved, as it feels like development in that area has stalled lately.
Almost all is good, but in my experience , I think so , not all projects was properly checked by Profitus before they come to the Profitus market and till now I have a long delays, problems, bad mood ....