Profitus referral code: bonus on property crowdfunding

To invest on Profitus, create an account on profitus.com, complete identity verification (KYC mandatory under ECSP regulation) and fund your account by SEPA transfer. Browse available projects: each project shows detailed information (location, developer, LTV - loan-to-value, interest rate, duration). Invest from €100 in one or more projects to diversify. Repayments (interest and capital) are made on the schedule planned for each loan. Profitus also has a secondary market to resell your investments before maturity. To diversify with other ECSP platforms, Walliance offers projects in France and Italy.

Profitus shows an average annual return of 11% on its projects, placing it among the most lucrative property crowdfunding platforms in Europe. Rates vary by project: short-term loans (6-12 months) generally offer 9 to 12%, while longer-term projects can rise to 14%. The LTV (loan-to-value) is a key risk indicator: a 60% LTV means the loan represents 60% of the property's value, limiting risk in case of default. Investing involves a risk of capital loss. For comparison, Walliance offers similar returns on projects in France and Italy.

Profitus is licensed under the ECSP (European Crowdfunding Service Provider Regulation, EU Regulation 2020/1503), the EU-harmonised regulatory framework for crowdfunding platforms. This licence, obtained in 2023, guarantees minimum standards of transparency, risk management and investor protection. Profitus is supervised by the Bank of Lithuania (Lietuvos bankas). Non-professional investors can invest up to €1,000 per project without a specific warning; beyond that, a risk simulation is required. For other ECSP platforms in Europe, Walliance is licensed under the same regulation for its Italian and French projects.

Profitus shows a historical default rate of 2.59%, meaning 2.59% of loans have had delays or repayment defaults. This rate is in the lower average for the European property crowdfunding sector. In case of a developer default, Profitus activates the property guarantees (first-rank mortgages) to recover the invested funds. Recovery can take several months or even years depending on the applicable legal procedure. Diversifying across several projects is strongly recommended to limit exposure to a single borrower. For investing with maximum diversification, Walliance also allows investing in property equity and debt.

Profitus has a secondary market letting investors resell their loan shares before maturity. This feature is essential to maintain the liquidity of your investments. On the secondary market, you can sell at a slight discount or premium depending on demand. The secondary market is especially useful in case of unexpected liquidity needs. Liquidity varies by the project's attractiveness and market conditions. Profitus charges a commission on secondary-market transactions. For property investments with different exit structures, Walliance also offers a secondary market on some projects.

Income generated by your Profitus investments (interest) is taxable according to your country of residence's rules on capital income — some countries apply a flat tax, others progressive rates plus social contributions. Profitus issues an annual summary of income received. Note: as Profitus is a Lithuanian company, no withholding tax is applied automatically — it's up to you to declare this income, potentially as foreign income. Consult a tax adviser for significant amounts. For another form of investment, Zengo offers a crypto wallet with 1.5 million users worldwide.

Profitus mainly finances residential and commercial property projects in Lithuania, Latvia and Estonia (the Baltic states). Projects include: new residential construction (apartments, houses), renovation of existing buildings, commercial projects (offices, warehouses) and land acquisitions. The developers are professional property companies subject to a credit audit by Profitus. Most projects are short-term loans (6 to 18 months). The €300 million funded since 2018 reflects the platform's significant activity. For French property projects, Walliance acquired Lymo Finance (France) in 2023 to offer domestic projects.

Investors active on Profitus generally appreciate the quality of the information provided on each project (legal documents, property valuation reports, developer history), the speed of project funding and the high returns around 11%. Criticisms concern the geographic concentration in the Baltic states (localised market risk) and the recovery delays in case of default. The platform is recommended for diversifying a European property crowdfunding portfolio, but shouldn't make up an entire portfolio. To also invest in other European real estate, Walliance is a reference with 4.1/5 on Trustpilot.

Profitus competes with other European property crowdfunding platforms: Walliance (Italian, present in France since 2023), Estateguru (Estonian, Baltic leader), Reinvest24 and Crowdestate. Profitus stands out with its high average returns (11%) and a relatively low default rate (2.59%). Estateguru is the largest Baltic platform by volume. For investors wanting local projects, Walliance via Lymo Finance is better suited. Diversifying across several ECSP platforms is recommended for active investors. Compare also with HeavyFinance (farm loans) for a different asset class.

Profitus regularly offers welcome bonuses for new investors: cashback on first investments (generally 0.5 to 1% of the amount invested) or boosted interest on first projects. These offers are available via referral links or direct promotions on the site. Enter the code at sign-up or at your first investment. Follow this page for active welcome offers. For other investment platforms with welcome bonuses, Walliance also offers deals for new sign-ups, and Zengo offers a crypto wallet with a sign-up bonus.