Lonvest

Croatia · Consommation · Créée en 2023

Notre score

3,5

Rendement moyen

15,0%

maximum annoncé

Régulation: No licence. An ordinary Croatian limited company, not supervised by HANFA or any financial regulator

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Notre verdict

Lonvest has done what it promised since its March 2023 launch: independent reviewers report no missed repayments, and its 30-day to 12-month terms let you wind a position down without a secondary market. Against that, every lender on it belongs to SpaceCrew Finance, the group of platform owner Roman Katerynchyk, and no financial statements for the lenders or the group are published, despite an 'audited' claim on Lonvest's About page. The Croatian company you contract with, Lonvest Platform d.o.o., holds no licence, has EUR 2,500 of share capital and no employees, and is registered as a management consultancy. The buyback and the group guarantee both come from that same group, so neither can be checked from outside and neither adds a second counterparty.

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

Ce qui fonctionne

No missed repayments since the 2023 launch, according to independent reviews updated in July and August 2026
Terms of 30 days to 12 months mean capital returns quickly; switching off reinvest is a working exit even without a secondary market
Ownership is traceable: the Croatian registry names Roman Katerynchyk as sole member, and the lender group is named on the site
EUR 10 advertised entry (EUR 50 minimum deposit) and no fees for depositing, investing or withdrawing

Ce qui ne fonctionne pas

Every lender belongs to SpaceCrew Finance, the owner's group, which also gives the buyback and the group guarantee — spreading across countries does not spread counterparty risk
No financial statements for the lenders or the group are published, and the guarantee agreements are not public, so neither backstop can be checked
The contracting company is unlicensed, has EUR 2,500 of share capital and zero employees, and is registered as a management consultancy, not a financial business
Withdrawals are capped at EUR 5,000 a week, leaving early forfeits all accrued interest, and the advertised 15% is the top of a range — the highest rate shown on 21 September 2026 was 12.5%

À qui cela s'adresse

Investors who want a small, short-duration position in emerging-market consumer credit, accept that the whole platform is one group's promise, and size it so that a group failure would be a nuisance rather than a setback.

Détail du score

Comment ce score est calculé

Régulation30%2.5/10

Historique25%4.8/10

Transparence15%2.0/10

Liquidité15%5.0/10

Diversification10%3.5/10

Rendement plausible5%4.2/10

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: lonvest.com · 19 sept. 2026 · Advertised 'up to 15%' against a 9-15% range. One independent tracker reports a realised average of about 10.85%, the gap being cash drag from compulsory auto-invest.