Profitus Referral Code

What you get, and the one condition attached to it

Profitus states the offer in a single line on its referral page: your invitee will receive €25 for their first investment. Read that literally rather than as marketing shorthand. It is a credit pointed at an investment you make on the platform, and Profitus's own help text describes bonuses as amounts you select and add to an investment at the moment you place it. Nowhere on the referral page does Profitus say whether that credit can instead be withdrawn to a bank account, so plan on it being investable capital rather than a payout.

There is exactly one condition, and it is procedural rather than financial. You have to be new to Profitus, you have to arrive through the invitation link or enter the invitation code while filling out the registration form, and you have to make an investment. Profitus's referral FAQ is unusually blunt about the failure case: if you had already registered on the platform, or you registered without using the link and without entering the code, it cannot verify the connection and nothing is paid. The referral page states no minimum first investment and no deadline.

Who runs the platform, and what the Lithuanian licence actually covers

The operator is UAB "Profitus Crowdfunding", company code 304570552, registered at Lvivo g. 101 in Vilnius. The Bank of Lithuania's register of financial market participants lists it as holding a crowdfunding service provider licence, number LB002224, valid from 10 November 2023, checked on 28 August 2026. That is authorisation under the EU crowdfunding regime, which is what lets Profitus market the same platform across the union from one Lithuanian licence rather than seeking permission country by country.

Be precise about what that authorisation buys you. It governs how Profitus runs the platform: how it assesses borrowers, what it has to disclose about each project, how it handles client money, and the fact that a national supervisor can act against it. It says nothing at all about whether any individual loan repays. Your uninvested cash sits with Lemonway, a payment institution licensed by the French regulator ACPR under number 16568, of which Profitus is a registered agent. A payment institution keeps client funds segregated from its own. Segregation is not insurance.

For scale, from Profitus's own statistics page on 28 August 2026: €411,325,973.52 funded since the platform opened in 2018, across 2,312 financed projects, with 15,450 active investors out of a registered community of 55,676. The average loan-to-value on the property securing those loans is 69.28%, and Profitus reports a platform XIRR of 10.55%.

Investing costs nothing, and then there are three charges worth knowing

Profitus's published price list, read on 28 August 2026, charges investors nothing for almost everything. Account creation, account administration, the investor fee itself, contract conclusion and administration, and holding an inactive account are each listed at €0. Topping up by bank transfer is free. Compared with platforms that quietly bill you for dormancy, that is a genuinely clean sheet.

Three line items do cost money, and two of them are easy to trip over because they only appear once you are already using the account.

• Topping up by payment card costs 0.6% of the amount you transfer. Bank transfer is free, so there is no reason to use a card.
• Withdrawals are free once per calendar month. The second and every further withdrawal inside the same month costs €1.88, so taking your money out in instalments is charged, taking it out in one go is not.
• Selling a loan early on the secondary market costs 2%, calculated on the price of the claim being assigned and deducted from the amount payable to the seller. That is your side of the trade, not the buyer's.
• If a borrower falls behind, Profitus applies a 10% annual interest administration charge on the overdue amount. It is taken out of the penalty interest the borrower pays, not out of your principal.

Claiming the credit, step by step

There is no promo box at a checkout. The connection is recorded at registration and only at registration, which is why the order of these steps matters more than it looks.

• Open your account from the invitation link, or paste the invitation code into the registration form before you submit it.
• Complete Profitus's identity verification. The platform has to verify you before the account can invest.
• Fund the account by bank transfer, then pick a project and read its loan terms and collateral before you commit.
• Apply the bonus when you place the investment. Profitus describes the process as selecting which bonuses to add to the amount you are investing.
• Whoever shared the link is paid separately on a tiered scale once your project is fully funded, which changes nothing about what you receive or when.

What you are taking on, in numbers Profitus publishes itself

Profitus puts its entire loan book on a public page and updates it live, which is more disclosure than much of this sector offers. On 28 August 2026 the breakdown read: 73.51% of the funded amount repaid, 23.28% in loans currently being paid on time, 0.13% late, 3.05% under recovery, and 0.03% sitting as overdue interest.

The line to read first is the 3.05%. Loans under recovery are ones where the borrower has stopped paying and Profitus is enforcing the mortgage, which means Lithuanian courts, bailiffs and a property sale, on their timetable rather than yours. The published average loan-to-value of 69.28% means the property was worth meaningfully more than the loan when it was written. That is protection against losing everything on a given project. It is not protection against getting back less than you expected, considerably later than the loan term said.

One fact the marketing does not lead with: Profitus describes itself as operating throughout Europe, but its own distribution-of-loans-by-country chart shows a single country, Lithuania. Whatever you build on this platform, your exposure is concentrated in one small property market, enforced through one legal system. Diversifying across twenty Profitus projects does not diversify that.

Honest verdict: pros, cons, and who should sign up

What Profitus genuinely does well: it charges investors nothing to open, hold or run an account, including no dormancy fee, which removes the slow leak that erodes idle balances on several competing platforms. Every loan is secured by a mortgage on a specific property, and the loan-to-value is published rather than implied. The whole portfolio breakdown is public and live. The licence is real, current and verifiable in a public register.

What is genuinely against it: there is no deposit guarantee and no investor compensation scheme behind your money, which is a materially weaker position than a licensed investment firm with a compensation scheme offers. Every loan is Lithuanian. Profitus publishes the share of its book under recovery but does not publish how long recovery actually takes, so you cannot tell from its statistics whether a problem loan resolves in six months or three years. The repeat-withdrawal charge penalises drawing money out gradually. And the joining bonus is credit aimed at an investment rather than money you can bank.

This suits an investor who wants property-secured Lithuanian lending at around ten percent, who can leave money untouched well past a loan's stated term if it goes into recovery, and for whom this is one holding among several rather than the whole portfolio. It does not suit anyone who might need the money back on a specific date, anyone who assumes a regulated platform means a protected balance, or anyone who would end up with all of their lending exposure in a single country. If a compensation scheme matters to you more than the fee structure, Mintos is the closer comparison here: it is a licensed investment firm and a member of Latvia's investor compensation scheme under Directive 97/9/EC, which covers up to €20,000 if the firm itself fails to return your cash or instruments.

The sentence the English site gets backwards

At the foot of every English page on profitus.com sits this line: "In the countries of the European Union, crowdfunding is not prohibited under the Law on Insurance of Deposits and Liability to Investors." Read as English, it says crowdfunding is allowed. That is not what the Lithuanian version of the same sentence says.

The Lithuanian footer reads: "Europos Sąjungos šalyse sutelktinis finansavimas nėra draudžiamas pagal indėlių ir įsipareigojimų investuotojams draudimo įstatymą." The Lithuanian verb drausti carries both meanings, to insure and to forbid, and the participle draudžiamas can be read either way. The sentence names the Law on Insurance of Deposits and Liabilities to Investors, which is Lithuania's deposit guarantee and investor compensation statute, and the same sentence ends with draudimo įstatymą, the insurance law. In context it is a warning that crowdfunding is not insured under that law. The English version picked the other meaning and turned a warning into a reassurance.

Stated the way the disclaimer means it: money you put through Profitus is not covered by a deposit guarantee scheme and not covered by an investor compensation scheme. If a borrower defaults and the property behind the loan does not cover the debt, no fund makes up the difference, and the same is true if the platform itself fails. That is the single most important fact for anyone signing up, and on the English site it is the one sentence a reader is most likely to take as meaning the opposite. Check the Lithuanian footer, or the Bank of Lithuania's own description of what that law covers, before you assume anything here is guaranteed.

Profitus referral code FAQ