Esketit

Croatia · Consumo · Fundada 2020

Nuestra nota

4,8

Rentabilidad media

14,0%

máximo anunciado

Regulación: No licence. Moved its operating entity from Ireland to Croatia in October 2025; management has said it is preparing a licence application

0,5 % de cashback sobre lo que invierta en sus primeros 90 días

Abrir una cuenta en Esketit Leer el análisis completo Ver las condiciones del bono

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Nuestro veredicto

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.

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

Lo que funciona

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

Lo que no

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

Para quién es

Experienced investors who accept an unsupervised platform lending mostly to its owners' companies and size the position as money that could be lost.

Desglose de la nota

Cómo se calcula esta puntuación

Regulación30%2.5/10

Trayectoria25%5.9/10

Transparencia15%5.2/10

Liquidez15%7.5/10

Diversificación10%4.5/10

Rendimiento plausible5%5.3/10

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: esketit.com · 19 sept 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.