Esketit
Croatia · Consumer · Founded 2020
Our score
Average return
14.0%
advertised maximum
Regulation: No licence. Moved its operating entity from Ireland to Croatia in October 2025; management has said it is preparing a licence application
0.5% cashback on what you invest in your first 90 days
Partner link — we may earn a commission at no cost to you. It does not affect the score above.
Our verdict
Esketit has repaid investors since operations began in 2021, including the Utopia/Lyric music advances after Utopia's liquidation, and it offers a €10 minimum and usable auto-invest. What it does not have is a licence: since 15 October 2025 new investments go through Esketit Platform d.o.o. in Zagreb, which is not on the EU crowdfunding register and is authorised in neither Croatia nor Ireland; management said in July 2025 that licensing is a 'natural next step'. Its two owners also own or founded Spanda Capital, Mojo Capital, MDI Finance and Nimbura, which supply much of what is listed, while AvaFin and Money for Finance have left. The October 2025 move switched off cash-out, auto-purchase and the secondary market on the old Irish accounts, showing how quickly liquidity can change when nobody supervises the platform.
Read our full Esketit reviewRegulation, returns, fees, risks and our verdict — in depth.What works
- Investors repaid since 2021, including full repayment of the Utopia/Lyric advances after Utopia's liquidation
- €10 minimum, diversified and custom auto-invest strategies, and a secondary market on the Croatian platform
- Jet Finance loans come from a regulated Kazakh lender rated B- by Fitch, with vehicle collateral
- Regular originator updates on Esketit's blog, including departures and ownership details
What doesn't
- No licence anywhere: not on the EU crowdfunding register, not authorised in Croatia or Ireland, and no investor compensation scheme
- Spanda, Mojo, MDI Finance and Nimbura are owned or founded by Esketit's two owners, so platform and borrowers share the same people
- The October 2025 migration disabled cash-out, auto-purchase and the secondary market for accounts left on the Irish entity
- Esketit Platform d.o.o. is a micro-enterprise with 2025 revenue of €41,664 and a net loss of €97,054, and AvaFin and Money for Finance have left
Who this is for
Experienced investors who accept an unsupervised platform lending mostly to its owners' companies and size the position as money that could be lost.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: esketit.com · Sep 19, 2026 · Up to 14% advertised. Regulatory status corrected on 19 Sep 2026: Esketit is not on the EU crowdfunding register and is not authorised in Ireland or Croatia.
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.
