{"id":15681,"date":"2026-04-15T06:00:00","date_gmt":"2026-04-15T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/profitus-experience-2023-360-degree-analysis-and-evaluation\/"},"modified":"2026-04-08T15:43:09","modified_gmt":"2026-04-08T13:43:09","slug":"profitus-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/profitus-review\/","title":{"rendered":"Profitus Review 2026: 10% with Real Estate from Lithuania?"},"content":{"rendered":"<p>Profitus is among the smaller and less known crowdfunding platforms in the P2P environment. The Lithuanian-based platform, which is regulated and supervised by the Central Bank of Lithuania, offers its investors primarily mortgage-backed loans with an expected return of up to 14%.<\/p>\r\n<p>The platform is certainly worth a closer look as the quality of the outstanding loan portfolio is highly competitive. Of the first 1,000 financed loans, only two property projects had to enter the debt collection process. In addition, investors haven&#8217;t suffered any loss of capital yet.<\/p>\r\n<p>This Profitus review will reveal if the platform is worth your time and money.<\/p>\r\n<p>Further analyses of other platforms can be found on my <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-reviews\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Platform Review<\/strong><\/a> page.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-profitus\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:0px 22px;font-size:17px;line-height:34px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"> <strong>Sign Up on Profitus (25 EUR Bonus | Code &#8220;RETHINK25&#8221;)<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Summary\" title=\"Summary\">Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#What_is_Profitus\" title=\"What is Profitus?\">What is Profitus?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Ownership_and_Management\" title=\"Ownership and Management\">Ownership and Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Business_Model_and_Finances\" title=\"Business Model and Finances\">Business Model and Finances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Sign_Up_and_Bonus\" title=\"Sign Up and Bonus\">Sign Up and Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Investing_on_Profitus\" title=\"Investing on Profitus\">Investing on Profitus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Profitus_Taxes\" title=\"Profitus Taxes\">Profitus Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Profitus_Risks\" title=\"Profitus Risks\">Profitus Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Advantages_and_Disadvantages\" title=\"Advantages and Disadvantages\">Advantages and Disadvantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Profitus_Alternatives\" title=\"Profitus Alternatives\">Profitus Alternatives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Community_Feedback\" title=\"Community Feedback\">Community Feedback<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#Summary_Profitus_Review\" title=\"Summary Profitus Review\">Summary Profitus Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/#FAQ_Profitus_Review\" title=\"FAQ Profitus Review\">FAQ Profitus Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Summary\"><\/span><span style=\"color: #000000;\"><strong>Summary<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Before we get started, here is a quick summary with the most important information about Profitus.<\/p>\r\n<ul>\r\n<li>Profitus is a Lithuania-based P2P platform where investors can invest in mortgage-backed loans and earn a return of up to 14%. The operational launch of the platform took place in August 2018.<\/li>\r\n<li>The platform has been controlled and monitored by the Central Bank of Lithuania since the beginning. The European Crowdfunding Licence (ECSP) was also obtained in November 2023.<\/li>\r\n<li>Profitus impresses with a high quality of its loan portfolio. The proportion of loans in recovery has always been below 5%. In addition, investors have not yet incurred any investment losses.<\/li>\r\n<li>Profitus was voted the second most popular P2P platform in the 2024 community voting.<\/li>\r\n<\/ul>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>July 2017 \/ August 2018<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Profitus Crowdfunding UAB (<strong><a href=\"https:\/\/www.lb.lt\/en\/sfi-financial-market-participants\/uab-profitus-crowdfunding\" target=\"_blank\" rel=\"noopener\">LINK<\/a><\/strong>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Vilnius, Lithuania<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (<a href=\"https:\/\/registers.esma.europa.eu\/publication\/details?core=esma_registers_upreg&amp;docId=ae48044\" target=\"_blank\" rel=\"noopener\"><strong>ECSP License<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/lina-maskoliune\/\" target=\"_blank\" rel=\"noopener\"><strong>Lina Maskoli\u016bn\u0117<\/strong><\/a> (August 2024)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Community Voting:<\/strong><\/td>\r\n<td>P17 out of 30 | <a href=\"https:\/\/rethink-p2p.de\/p2p-kredite-community-voting-2025\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>See Voting<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 82+ Million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>13.000+\u00a0<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>Up to 14%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Real Estate Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Mortgage<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Bonus:<\/strong><\/td>\r\n<td><strong><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-profitus\" target=\"_blank\" rel=\"noopener noreferrer\">EUR 25 Bonus<\/a> <\/strong>(Code: &#8220;RETHINK25&#8221;)<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"What_is_Profitus\"><\/span><strong>What is <\/strong><strong>Profitus?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-profitus\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14350 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Profitus-Bonus.jpg\" alt=\"profitus-bonus\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14350 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Profitus-Bonus.jpg\" alt=\"profitus-bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Profitus is a Lithuania-based P2P platform that has been operating under the legal name \u2018UAB, Profitus Crowdfunding\u2019 since August 2024 (previously: \u2018UAB, Sutelktinio finansavimo platforma PROFITUS\u2019). On the platform, which had its operational launch in August 2018, investors can invest in mortgage-backed commercial loans and achieve a return of up to 14%.<\/p>\r\n<p>The geographical focus is on the Lithuanian domestic market. However, the increasing internationalisation of the platform means that the offering is also growing in other Baltic countries and in Spain.<\/p>\r\n<p>The platform has been regulated and supervised by the Central Bank of Lithuania since its inception. In addition, Profitus received the European Crowdfunding Licence (ECSP) in November 2023, allowing the platform to offer its services under uniform framework conditions throughout the EU.<\/p>\r\n<h3><strong>The Origin Story<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-2024-Profitus-Review-Origin-Story.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-23381 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-2024-Profitus-Review-Origin-Story.jpg\" alt=\"Profitus-Erfahrungen-2024\" width=\"400\" height=\"568\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-2024-Profitus-Review-Origin-Story.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-2024-Profitus-Review-Origin-Story-211x300.jpg 211w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/568;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-23381 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-2024-Profitus-Review-Origin-Story.jpg\" alt=\"Profitus-Erfahrungen-2024\" width=\"400\" height=\"568\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-2024-Profitus-Review-Origin-Story.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-2024-Profitus-Review-Origin-Story-211x300.jpg 211w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>Viktorija Cijunskyte, one of the two co-founders of Profitus, has developed an interest for real estate projects early in her career. After working for a brokerage firm for a year, she decided to pursue her own business and set up her own agency.<\/p>\r\n<p>At the same time, she also founded a real estate development company, in which the later Profitus partner, Mindaugas Vanagas, was also involved.<\/p>\r\n<p>Several aspects came together which then led to the foundation of Profitus: On one side there were retail investors<span style=\"color: var(--text-color); font-family: var(--text-font); font-size: 1.125rem;\"> who wanted to know how to invest in real estate. On the other side there have been developers who asked for financing options and debt capital. The final piece of the puzzle came together at the <a href=\"https:\/\/www.mipim.com\/\" target=\"_blank\" rel=\"noopener\"><strong>real estate fair MIPIM<\/strong><\/a> in Cannes 2015, where Viktorija learned about the crowdfunding model.<\/span><\/p>\r\n<p>In 2017, the company &#8220;UAB Sutelktinio finansavimo platforma PROFITUS&#8221; was founded. The platform started its operational activities in August 2018, approximately one year after its establishment.<\/p>\r\n<p>Below is a podcast episode with Viktorija Cijunskyte, which was recorded in March 2023:<\/p>\r\n<p><script class=\"podigee-podcast-player\" src=\"https:\/\/player.podigee-cdn.net\/podcast-player\/javascripts\/podigee-podcast-player.js\" data-configuration=\"https:\/\/rethink-p2p.podigee.io\/207-profitus-ceo-interview-2023\/embed?context=external\"><\/script><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Ownership_and_Management\"><\/span>Ownership and Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Who are the main shareholders and management executives behind Profitus? Let&#8217;s have a look!<\/p>\r\n<h3><strong>Profitus Ownership<\/strong><\/h3>\r\n<p>The two shareholders of Profitus, who each own 50% of the shares in the company, are<strong> <a href=\"https:\/\/www.linkedin.com\/in\/viktorija-cijunskyte\/\" target=\"_blank\" rel=\"noopener\">Viktorija Cijunskyte<\/a> <\/strong>(CEO) and <strong><a href=\"https:\/\/www.linkedin.com\/in\/mindaugas-vanagas\/\" target=\"_blank\" rel=\"noopener\">Mindaugas Vanagas<\/a><\/strong>. Both are Lithuanian citizens and long-time business partners.<\/p>\r\n<p>The registered name of the P2P platform is &#8220;UAB Sutelktinio finansavimo platforma Profitus&#8221;. This in turn belongs to the company &#8220;UAB S\u0117kmingas valdymas&#8221;.\u00a0<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus-.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14818 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus-.png\" alt=\"profitus-review-ownership\" width=\"1000\" height=\"608\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus-.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus--300x182.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus--768x467.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/608;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14818\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus-.png\" alt=\"profitus-review-ownership\" width=\"1000\" height=\"608\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus-.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus--300x182.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Profitus-Erfahrungen-Wem-gehoert-Profitus--768x467.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>In October 2023, <a href=\"https:\/\/www.delfi.lt\/verslas\/verslo-pulsas\/profitus-pritrauke-per-0-5-mln-euru-investiciju-94748693\" target=\"_blank\" rel=\"noopener\"><strong>Profitus completed a funding round of EUR 532,000<\/strong><\/a>, in which both natural persons and legal entities invested. The money will be used to expand in new markets such as Latvia and Spain.<\/p>\r\n<h3><strong>Profitus Management<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-23384 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO.png\" alt=\"Profitus-Review-CEO\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO.png 372w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-23384 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO.png\" alt=\"Profitus-Review-CEO\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO.png 372w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-CEO-Lina-Profitus-Review-CEO-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/p>\r\n<p>For a long time, the Profitus team was led by founder Viktorija Cijunskyte. In August 2024, Lithuanian Lina Maskoli\u016bn\u0117 took over her position and became the CEO of Profitus.<\/p>\r\n<p>Lina has been a part of the Profitus team since October 2022, focusing in particular on the strategic growth of the platform in other markets.<\/p>\r\n<p>Her CV includes an MBA and years of experience as Managing Director for a co-working space in Vilnius. In June 2024, during my stay in the Baltic States, I was able to meet Lina in person and gained a thoroughly competent and professional impression of her.<\/p>\r\n<p>You can find more information about the current 31 employees at Profitus on <a href=\"https:\/\/www.profitus.de\/um?id=our-team\" target=\"_blank\" rel=\"noopener\"><strong>this page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Business_Model_and_Finances\"><\/span>Business Model and Finances<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Throughout the process of due diligence, investors should also have a look at the business model of a P2P platform as well as the overall financial situation. How does the company earn money? Does the platform operate profitably? And how well is the company positioned financially? In the following paragraphs of this Profitus review, you can follow-up on those questions.<\/p>\r\n<h3>Monetization<\/h3>\r\n<p><span style=\"color: #000000;\">How does Profitus earn money? <\/span>Profitus monetizes itself primarily through a commission fee charged to borrowers upon successful project financing. This can range from 0.5% to 8% of the loan amount.<\/p>\r\n<p>In addition, an administrative fee is also charged, which ranges from 0.1% to 0.2% per month. Since Profitus is quite transparent about their fee structure, investors can take a look at the <a href=\"https:\/\/www.profitus.de\/fees\" target=\"_blank\" rel=\"noopener\"><strong>price list<\/strong><\/a> themselves.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19244 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money.png\" alt=\"Profitus-Review-How-Does-Profitus-Earn-Money\" width=\"1000\" height=\"304\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money-300x91.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money-768x233.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/304;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19244\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money.png\" alt=\"Profitus-Review-How-Does-Profitus-Earn-Money\" width=\"1000\" height=\"304\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money-300x91.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-How-Does-Profitus-Earn-Money-768x233.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<h3><strong>Profitability<\/strong><\/h3>\r\n<p>Is Profitus profitable? Let&#8217;s take a look at the current numbers from the company register.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23387 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability.png\" alt=\"Profitus-Review-Profitability\" width=\"1000\" height=\"474\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability-300x142.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability-768x364.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/474;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23387\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability.png\" alt=\"Profitus-Review-Profitability\" width=\"1000\" height=\"474\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability-300x142.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Profitabilitat-Profitus-Review-Profitability-768x364.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>According to the latest numbers, Profitus managed to increase its revenue so far in every year. In 2023, the turnover was EUR 2.3 million. However, as the expenses for expansion and growth have risen disproportionately, Profitus has once again suffered a loss of EUR 400,000 after two profitable years in a row.<\/p>\r\n<p>A financing round in October 2023 has strengthened the equity position though (EUR 440,000), which is why Profitus can continue on its growth trajectory for the time being.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Sign_Up_and_Bonus\"><\/span>Sign Up and Bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Investors can register on Profitus both as a natural person and as a legal entity.<\/p>\r\n<p>Overall, the registration process is fairly simple and intuitive. Investors need to submit information about their name, email, phone number and a password must be provided. This is followed by the verification of the identity via Ondato.<\/p>\r\n<h3>Profitus Bonus<\/h3>\r\n<p>Interested in a bonus for your first investment on Profitus? No problem. Readers of this blog have the chance to receive a EUR 25 bonus until the end of 2025.<\/p>\r\n<p>To do so, investors must first register on the P2P platform using <a href=\"http:\/\/bit.ly\/rethink-p2p-goes-profitus\" target=\"_blank\" rel=\"noopener\"><strong>my partner link<\/strong><\/a>. Before making their first investment, they must enter the promo code <strong>&#8220;RETHINK25&#8221;<\/strong> in the bonus field. Important: The code can only be used once and only for the first investment on the platform.<\/p>\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_Profitus\"><\/span><span style=\"color: #000000;\"><strong>Investing on Profitus<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>How does Profitus work and what should investors know and consider when investing on the plaform? In the following sections of my Profitus review you will find all the necessary information that you need.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<p>Profitus offers mortgage-backed real estate loans on their platform. Most of them come with a first-ranking collateral. Additionally, there may be guarantees from individuals or legal entities as an extra layer of security.<\/p>\r\n<p>It is important to note that Profitus acts as an intermediary between borrowers and investors. This means the credit agreements are made with the borrower and not with the platform. So if Profitus had to file for insolvency, the receivables would continue to exist.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19248 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering.png\" alt=\"Profitus-Review-2024-P2P-Loan-Offering\" width=\"1000\" height=\"416\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering-300x125.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering-768x319.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/416;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19248\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering.png\" alt=\"Profitus-Review-2024-P2P-Loan-Offering\" width=\"1000\" height=\"416\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering-300x125.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-2024-P2P-Loan-Offering-768x319.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The loan terms are between 3 and 36 months. The loan-to-value ratio (LTV) is 66%.<\/p>\r\n<p>The majority of the loans offered on Profitus come from the Lithuanian home market. Due to a geographic expansion in recent years, investors can also explore opportunities in Spain, Estonia and Latvia.\u00a0<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Costs and Fees<\/strong><\/span><\/h3>\r\n<p>There are no costs or hidden fees for investors on Profitus. The registration on Profitus is free of charge as well as investing on the platform itself.\u00a0<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19246 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors.png\" alt=\"Profitus-Review-Fees-Investors\" width=\"1000\" height=\"155\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors-300x47.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors-768x119.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/155;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19246\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors.png\" alt=\"Profitus-Review-Fees-Investors\" width=\"1000\" height=\"155\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors-300x47.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Profitus-Review-Fees-Investors-768x119.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>At the moment, only two cost factors might be charged to investors. The first is a transaction fee of 2%, which is charged if loans are sold prematurely via the secondary market. Secondly, a withdrawal fee of EUR 1.88 is charged if investors make more than one withdrawal per month.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p>Profitus states an average expected return of 12.14%. This number seems exaggerated, as most of the loans offered on the platform only have an interest rate of around 10%.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23390 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return.png\" alt=\"Profitus-Review-Return\" width=\"1000\" height=\"102\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return-300x31.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return-768x78.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/102;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23390\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return.png\" alt=\"Profitus-Review-Return\" width=\"1000\" height=\"102\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return-300x31.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Rendite-Profitus-Review-Return-768x78.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>This experience is also reflected in my personal return on Profitus. After more than a year as an active investor, my total return stands at 8.60%.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\"><strong>Auto Invest<\/strong><\/span><\/h3>\r\n<p>In September 2024, Profitus introduced \u2018RoboInvest\u2019, a modified form of the classic Auto Invest function. What exactly is RoboInvest and how does it work?<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23393 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest.png\" alt=\"Profitus-Review-Auto-Invest\" width=\"1000\" height=\"572\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest-300x172.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest-768x439.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/572;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23393\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest.png\" alt=\"Profitus-Review-Auto-Invest\" width=\"1000\" height=\"572\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest-300x172.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Auto-Invest-Profitus-Review-Auto-Invest-768x439.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>With RoboInvest, investors have the option of making automated settings for the selection of suitable loans. Different selection options are available depending on the minimum investment amount.<\/p>\r\n<p><strong>RoboInvest Start:<\/strong> For a minimum investment amount of EUR 100, the following criteria, among others, can be selected and set: The investment amount (minimum EUR 100), loan term (3 to 36 months), interest rate (4% to 20%) and risk category (1 to 10).<\/p>\r\n<p><strong>RoboInvest Grow:<\/strong> For a minimum investment amount of EUR 300, the following criteria can also be selected and set: The project rating and the borrower country.<\/p>\r\n<p><strong>RoboInvest Pro:<\/strong> For a minimum investment amount of EUR 700, the following criteria can also be selected and set: The investment purpose of the loan and the collateralisation.<\/p>\r\n<h3>Liquidity<\/h3>\r\n<p>The commercial loans secured by real estate have an average term of 12 months. This is an average period for this segment. Those who need more liquidity can also use the platform&#8217;s secondary market that has been established in January 2022. On the secondary market, loans can be sold prior maturity in exchange for a 2% transaction fee.<\/p>\r\n<p>Note: Since the relaunch of the platform in May 2023, the secondary market is temporarily unavailable.<\/p>\r\n<h3>Profitus Forum<\/h3>\r\n<p>The P2P lending industry is a fast-moving environment. Hence, make sure to stay on top of all relevant information by subscribing to my channels on <a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\" target=\"_blank\" rel=\"noopener\"><strong>Telegram<\/strong><\/a> or <a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\" target=\"_blank\" rel=\"noopener\"><strong>WhatsApp<\/strong><\/a>. This way, you will always receive the latest information from the P2P industry, including platform news regarding Profitus.\u00a0<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Profitus_Taxes\"><\/span><span style=\"color: #000000;\"><strong>Profitus Taxes<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration.<\/p>\r\n<p>As a Lithuania-based P2P platform, Profitus is legally obliged to withhold 15% taxes on interest income earned. This is automatically retained by the platform. Depending on the investors residency, the withholding tax can be reduced to 10%, when using the &#8220;DAS-1 form&#8221;.<\/p>\r\n<p>As there is a double taxation treaty between Lithuania and many European countries, the withholding tax withheld can be offset. This is therefore not paid twice.<\/p>\r\n<p>Through the dashboard, investors can pull an investment statement where the income earned on Profitus is listed.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Profitus_Risks\"><\/span><span style=\"color: #000000;\">Profitus Risks<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Profitus? Where are the underlying risks and how are they assessed?<\/p>\r\n<p>The platform itself offers an initial overview. In <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Risiken-Profitus-Erfahrungen.pdf\"><strong>this document<\/strong><\/a> Profitus lists a number of possible risks. These include general investment risks, influences due to the economic situation in Lithuania, poor performance or liquidity risks.<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>The operational launch of the platform, which is operated by the Lithuanian \u2018UAB, Profitus Crowdfunding\u2019, took place in August 2018. In the domestic market, Profitus is controlled and monitored by the Lithuanian central bank. Among other things, this means that investor funds must be properly segregated, which protects investors from misappropriation.<\/p>\r\n<p>In November 2023, the platform also obtained a European crowdfunding service provider license (ECSP), allowing Profitus to offer its services throughout the European Union.<\/p>\r\n<p>Due to the regulation of the platform, Crowdpear must fulfil a high level of compliance and transparency standards, which increases the safety of the P2P lending platform. However, this does not safeguard against possible losses from loan defaults.<\/p>\r\n<h3><span style=\"color: #000000;\">Risk Assessment<\/span><\/h3>\r\n<p><span style=\"color: #000000;\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-21956 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Profitus-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"400\" height=\"395\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024-300x296.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024-768x758.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024-70x70.jpg 70w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/395;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-21956 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Profitus-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"400\" height=\"395\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024-300x296.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024-768x758.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Profitus-Erfahrungen-P2P-Kredite-Reise-2024-70x70.jpg 70w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/span>The loans offered on Profitus are 100% mortgage-backed. In most cases, also with first-ranking collaeral. The average loan-to-value (LTV) ratio is 66%.<\/p>\r\n<p>To minimize the risk of loan defaults, Profitus gathers a range of different information from public registers and credit rating companies.<\/p>\r\n<p>After that, the platform evaluates the business plan of the real estate developer and how he plans to return the funds to the investors. Profitus also evaluates the developer&#8217;s experience, the property and the location where the project is being developed.<\/p>\r\n<p>After this evaluation, a decision is made whether the project will be funded or not. Out of 10 projects, only 3 make it to the funding stage on the platform. If the decision is positive, then the borrower is assigned with a rating from A+ to D. According to the platform, around 50% of the borrowers are repeated customers who finance their projects several times via Profitus.<\/p>\r\n<p>Further details on how Profitus assesses and classifies credit risks can be found<strong> <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Profitus-Regeln-zur-Ueberpruefung-bei-der-Kreditvergabe.pdf\">in this document<\/a><\/strong>.<\/p>\r\n<h3><span style=\"color: #000000;\">Is Profitus a Safe Platform?<\/span><\/h3>\r\n<p>Profitus can be considered a safe and very secure P2P platform.<\/p>\r\n<ul>\r\n<li>Regulation and supervision by the Central Bank of Lithuania<\/li>\r\n<li>Segregation of investor and company funds<\/li>\r\n<li>Proven track record and good performance of the loan portfolio<\/li>\r\n<\/ul>\r\n<p>Obtaining the European Crowdfunding Licence (ECSP) is also a positive development.<\/p>\r\n<p>Some points can be deducted when it comes to transparency. Although the platform has published many documents on business processes, no consolidated financial reports of the platform are shared publicly.\u00a0<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages_and_Disadvantages\"><\/span>Advantages and Disadvantages<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Profitus.<\/p>\r\n<h3><span style=\"color: #000000;\">Advantages<\/span><\/h3>\r\n<ul>\r\n<li><strong>Regulation:<\/strong> Profitus is controlled and supervised by the Central Bank of Lithuania.<\/li>\r\n<li><strong>ECSP:<\/strong> Licence holder according to the new EU Crowdfunding Regulation.<\/li>\r\n<li><strong>Investor Funds:<\/strong> Legally monitored account segregation of investor and company funds<\/li>\r\n<li><strong>Performance:<\/strong> There have never been more than 5% of the outstanding portfolio in recovery.<\/li>\r\n<li><strong>Losses:<\/strong> To date, investors have not incurred any losses on the platform.<\/li>\r\n<li><strong>Risk\/Reward Profile:<\/strong> The return prospects are very competitive for the risk profile.<\/li>\r\n<\/ul>\r\n<h3><span style=\"color: #000000;\"><strong>Disadvantages<\/strong><\/span><\/h3>\r\n<ul>\r\n<li><strong>Offer:<\/strong> Profitus is a small platform with a manageable range of loans.<\/li>\r\n<li><strong>Diversification:<\/strong> Mostly Lithuanian business loans can be financed on Profitus.<\/li>\r\n<li><strong>Annual Reports:<\/strong> The annual reports are neither publicly communicated nor shared.<\/li>\r\n<li><strong>Liquidity:<\/strong> No secondary market to sell loans early.<\/li>\r\n<li><strong>Withholding Taxes:<\/strong> Taxes of 15% or 10% are withheld from private investors.<\/li>\r\n<\/ul>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Profitus_Alternatives\"><\/span><span style=\"color: #000000;\"><strong>Profitus Alternatives<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>What Profitus alternatives can be found in the current P2P environment?<\/p>\r\n<p>If we look at the business model and the overall profile of Profitus, the strongest overlaps happen to be with platforms such as Crowdpear, Estateguru or Rontgen.<\/p>\r\n<h3>Crowdpear<\/h3>\r\n<p>Crowdpear, a spin-off founded by PeerBerry, is probably the most similar Profitus alternative in the market. In addition to the same jurisdiction and regulatory status, both P2P platforms also share a common focus on the lending segment and the borrower market. Compared to Profitus, Crowdpear has slightly less market experience, as the platform was only launched at the beginning of 2023. You can find additional information about the platform in my <a href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Profitus review<\/strong><\/a>.<\/p>\r\n<h3>Estateguru<\/h3>\r\n<p>Profitus&#8217; business model can also be compared with the Estonian platform Estateguru. This platform offer primarily short-term business loans secured by real estate. However, Estateguru&#8217;s focus is somewhat more international, whereas Profitus is more focussed on the Lithuanian borrower market. You can find more information in my <a href=\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Estateguru review<\/strong><\/a>.<\/p>\r\n<p>You can find other Profitus alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Community_Feedback\"><\/span>Community Feedback<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In the annual P2P community voting, Profitus was unable to replicate its outstanding result from 2024. While the platform secured a surprising second place last year with 3.64 points, the Lithuanian P2P platform dropped to 17th place in 2025 with a score of 2.88 points.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-27522 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute.png\" alt=\"Profitus-Review-2025-Community-Voting\" width=\"2000\" height=\"1070\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-300x161.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-1024x548.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-768x411.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-1536x822.png 1536w\" data-sizes=\"(max-width: 2000px) 100vw, 2000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/1070;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-27522\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute.png\" alt=\"Profitus-Review-2025-Community-Voting\" width=\"2000\" height=\"1070\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-300x161.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-1024x548.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-768x411.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Profitus-Erfahrungen-Community-Voting-Profitus-Review-2025-Profitus-Opiniones-Comunidad-Profitus-Avis-Communaute-1536x822.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/noscript><\/a><\/p>\r\n<p>The Top 5 P2P platforms in 2025 were <a href=\"https:\/\/rethink-p2p.de\/en\/viainvest-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Viainvest<\/strong><\/a>, <a href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Debitum<\/strong><\/a>, <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos<\/strong><\/a>, <a href=\"http:\/\/bit.ly\/rethink-p2p-goes-swaper\" target=\"_blank\" rel=\"noopener\"><strong>Swaper<\/strong><\/a>, and <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_Profitus_Review\"><\/span><strong>Summary Profitus Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Fazit-2024-Profitus-Review-Summary-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-23396 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Fazit-2024-Profitus-Review-Summary-2024.jpg\" alt=\"Profitus-Review-Summary-2024\" width=\"500\" height=\"375\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Fazit-2024-Profitus-Review-Summary-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Fazit-2024-Profitus-Review-Summary-2024-300x225.jpg 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/375;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-23396 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Fazit-2024-Profitus-Review-Summary-2024.jpg\" alt=\"Profitus-Review-Summary-2024\" width=\"500\" height=\"375\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Fazit-2024-Profitus-Review-Summary-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Profitus-Erfahrungen-Fazit-2024-Profitus-Review-Summary-2024-300x225.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>What is the final verdict of my Profitus review?<\/p>\r\n<p>Profitus is a small and hidden gem in the P2P environment, which clearly deserves much more attention. The basic framework, consisting of regulation, strong financials and a stable loan portfolio, are good and strong pillars for a successful investment.<\/p>\r\n<p>Those who do not mind the somewhat lower diversification, the limited Auto Invest feature, and the withholding taxes can add Profitus to their portfolio as a promising low-risk platform.<\/p>\r\n<p>My personal test investment led to a satisfactory result in 2023 and 2024, with an overall performance of close to 9%.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-profitus\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:0px 22px;font-size:17px;line-height:34px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"> <strong>Sign Up on Profitus (25 EUR Bonus | Code &#8220;RETHINK25&#8221;)<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Profitus_Review\"><\/span>FAQ Profitus Review<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1628170908788\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Profitus?<\/strong>\r\n<p class=\"schema-faq-answer\">Profitus is a Lithuanian P2P platform operational since August 2018, where investors can invest in mortgage-secured business loans. Expected returns reach up to 14%. The platform is supervised by the Lithuanian Central Bank and has held the EU Crowdfunding License (ECSP) since November 2023.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1628170919644\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How good is the portfolio quality at Profitus?<\/strong>\r\n<p class=\"schema-faq-answer\">Very good. Of the first 1,000 financed loans, only two projects entered the recovery process. The share of defaulted loans in the total portfolio has always remained below 5%. Investors have not suffered any capital losses to date. On average, only around 3 out of 10 submitted projects make it to funding on the platform.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1628170932380\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Profitus regulated and how are investments secured?<\/strong>\r\n<p class=\"schema-faq-answer\">Most loans on the platform offer interest rates of around 10%. The advertised average return of 12.14% seems overly optimistic to me. My personal total return after more than a year as an active investor stood at 8.60%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1628170959036\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is there a bonus for new investors?<\/strong>\r\n<p class=\"schema-faq-answer\">Yes. Profitus has been regulated by the Lithuanian Central Bank since its launch and has held the ECSP license since November 2023. Investor funds are held in segregated accounts. Loans are 100% mortgage-secured, in most cases with a first-ranking security. The average loan-to-value ratio is 66%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775125024126\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is there a bonus for signing up with Profitus?<\/strong>\r\n<p class=\"schema-faq-answer\">Yes. By registering via my partner link and entering the promo code &#8220;RETHINK25&#8221; on your first investment, you receive a \u20ac25 bonus credited directly against your investment.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":23917,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Profitus Review 2026: 10% with Real Estate from Lithuania?<\/title>\n<meta name=\"description\" content=\"Profitus Review 2026: 10% with Real Estate from Lithuania? 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Deep Dive Profitus Review \u271a 25 Euro Sign Up Bonus!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rethink-p2p.de\/en\/profitus-review\/","og_locale":"en_US","og_type":"article","og_title":"Profitus Review 2026: 10% with Real Estate from Lithuania?","og_description":"Profitus Review 2026: 10% with Real Estate from Lithuania? Deep Dive Profitus Review \u271a 25 Euro Sign Up Bonus!","og_url":"https:\/\/rethink-p2p.de\/en\/profitus-review\/","og_site_name":"re:think P2P","article_publisher":"http:\/\/fb.me\/rethinkp2p","article_modified_time":"2026-04-08T13:43:09+00:00","og_image":[{"width":800,"height":200,"url":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Profitus-Review-P2P-Lending.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"18 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/","url":"https:\/\/rethink-p2p.de\/en\/profitus-review\/","name":"Profitus Review 2026: 10% with Real Estate from Lithuania?","isPartOf":{"@id":"https:\/\/rethink-p2p.de\/en\/#website"},"datePublished":"2026-04-15T04:00:00+00:00","dateModified":"2026-04-08T13:43:09+00:00","description":"Profitus Review 2026: 10% with Real Estate from Lithuania? Deep Dive Profitus Review \u271a 25 Euro Sign Up Bonus!","breadcrumb":{"@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170908788"},{"@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170919644"},{"@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170932380"},{"@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170959036"},{"@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1775125024126"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rethink-p2p.de\/en\/profitus-review\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rethink-p2p.de\/en\/"},{"@type":"ListItem","position":2,"name":"Profitus Review 2026: 10% with Real Estate from Lithuania?"}]},{"@type":"WebSite","@id":"https:\/\/rethink-p2p.de\/en\/#website","url":"https:\/\/rethink-p2p.de\/en\/","name":"re:think P2P","description":"Deep Dive P2P Platform Reviews and Comparisons","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rethink-p2p.de\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170908788","position":1,"url":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170908788","name":"\u2705 What is Profitus?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Profitus is a Lithuanian P2P platform operational since August 2018, where investors can invest in mortgage-secured business loans. Expected returns reach up to 14%. The platform is supervised by the Lithuanian Central Bank and has held the EU Crowdfunding License (ECSP) since November 2023.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170919644","position":2,"url":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170919644","name":"\u2705 How good is the portfolio quality at Profitus?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Very good. Of the first 1,000 financed loans, only two projects entered the recovery process. The share of defaulted loans in the total portfolio has always remained below 5%. Investors have not suffered any capital losses to date. On average, only around 3 out of 10 submitted projects make it to funding on the platform.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170932380","position":3,"url":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170932380","name":"\u2705 Is Profitus regulated and how are investments secured?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Most loans on the platform offer interest rates of around 10%. The advertised average return of 12.14% seems overly optimistic to me. My personal total return after more than a year as an active investor stood at 8.60%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170959036","position":4,"url":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1628170959036","name":"\u2705 Is there a bonus for new investors?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Profitus has been regulated by the Lithuanian Central Bank since its launch and has held the ECSP license since November 2023. Investor funds are held in segregated accounts. Loans are 100% mortgage-secured, in most cases with a first-ranking security. The average loan-to-value ratio is 66%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1775125024126","position":5,"url":"https:\/\/rethink-p2p.de\/en\/profitus-review\/#faq-question-1775125024126","name":"\u2705 Is there a bonus for signing up with Profitus?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. By registering via my partner link and entering the promo code \"RETHINK25\" on your first investment, you receive a \u20ac25 bonus credited directly against your investment.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15681"}],"collection":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/comments?post=15681"}],"version-history":[{"count":81,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15681\/revisions"}],"predecessor-version":[{"id":32687,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15681\/revisions\/32687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media\/23917"}],"wp:attachment":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media?parent=15681"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}