Devon

Estonia · Inmobiliario · Fundada 2025

Nuestra nota

2,8

Rentabilidad media

15,24%

media de la plataforma

Provisional — la plataforma tiene menos de dos años y aún no tiene trayectoria significativa.

Regulación: No licence. Devon's own risk page states the loans are not overseen by any financial supervisory authority

Abrir una cuenta en Devon Leer el análisis completo ¿Hay código promocional?

Enlace de afiliado — podemos recibir una comisión sin coste adicional para ti. No afecta a la nota anterior.

Nuestro veredicto

Devon is a financing channel for one Latvian development group, MJL Enterprises, and since May 2026 its loan agreement reclassifies a lender's claim as economic equity, repaid only once the borrower's assets exceed its non-subordinated liabilities. The group guarantee Devon originally presented as its main security no longer appears in the risk statement. Devon's own risk page says in plain words that the loans are unsupervised, subordinated and can be lost in full, which counts for something — but a candid description of a subordinated, undiversified, unlicensed loan is still a subordinated, undiversified, unlicensed loan. Devon OÜ, the Estonian company you deal with, has EUR 10,000 of capital against EUR 12.4m raised, had not filed its 2025 annual report by September 2026, shows a deletion notice on the register and is registered as a hosting business.

Leer nuestra reseña completa de DevonRegulación, rentabilidad, comisiones, riesgos y nuestro veredicto, en detalle (en inglés).

Lo que funciona

A candid risk statement: Devon says in plain words that the loans are unsupervised, subordinated, treated as economic equity and can be lost in full
Lenders fund identifiable residential buildings in Latvia belonging to a real operating group, not a financial shell with no assets
The parent paid its old debts: MJL Enterprises settled its 2021 Crowdestate projects for about EUR 1.45m, including all interest and a penalty, with the last payment in February 2026
Monthly operations reports give total raised, active lenders, average rate, interest paid and project status, and no investor fees are published

Lo que no

Claims are subordinated: since May 2026 lenders rank behind ordinary creditors, and the group guarantee is no longer in the risk statement
No licence, no supervision and no compensation scheme, and the same software stack carries Ventus Energy, which BaFin ordered to wind down its deposit business in May 2026
Devon OÜ had not filed its 2025 annual report (due 30 June 2026), the register shows a deletion notice, and it holds EUR 10,000 of capital against EUR 12.4m raised
One borrower group and no secondary market: every project belongs to MJL Enterprises, and early exit is paid only when other lenders fund the same project

Para quién es

Only experienced investors who already know MJL Enterprises, in an amount they would accept losing in full, since the subordination clause means taking equity-type risk for a fixed coupon.

Desglose de la nota

Cómo se calcula esta puntuación

Regulación30%2.5/10

Trayectoria25%3.0/10

Transparencia15%2.0/10

Liquidez15%3.0/10

Diversificación10%3.5/10

Rendimiento plausible5%3.9/10

Cada dimensión se puntúa de 0 a 10 a partir de datos documentados, luego se multiplica por su peso y se suma. No se redondea hasta el final.

Cifra tomada de: devon.eu · 19 sept 2026 · 15.24% is Devon's own weighted average contracted coupon, not a return net of losses. Individual projects are advertised at 16%.