Esketit
Croatia · Consumo · Fundada 2020
A nossa nota
Retorno médio
14,0%
máximo anunciado
Regulação: 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 o que investir nos primeiros 90 dias
Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.
O nosso 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.
Ler a nossa análise completa da EsketitRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).O 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
O que não funciona
- 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 quem é
Experienced investors who accept an unsupervised platform lending mostly to its owners' companies and size the position as money that could be lost.
Como se decompõe a nota
Como esta pontuação é calculadaCada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.
Número retirado de: esketit.com · 19 de set. de 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.
Monitorização das condições
Relemos diariamente as condições públicas desta plataforma e registamos o que muda.
