Esketit

Croatia · Consommation · Créée en 2020

Notre score

4,8

Rendement moyen

14,0%

maximum annoncé

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

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Notre 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.

Lire notre avis complet sur EsketitRégulation, rendements, frais, risques et notre verdict, en détail (en anglais).

Ce qui fonctionne

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

Ce qui ne fonctionne pas

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

À qui cela s'adresse

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

Détail du score

Comment ce score est calculé

Régulation30%2.5/10

Historique25%5.9/10

Transparence15%5.2/10

Liquidité15%7.5/10

Diversification10%4.5/10

Rendement plausible5%5.3/10

Chaque dimension est notée de 0 à 10 à partir de données documentées, puis multipliée par son poids et additionnée. Rien n'est arrondi avant la fin.

Chiffre relevé sur: 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.