Review of Esketit

Top 6 Liquidity
Updated | October 2026
Yield
Up to 14%
Type
P2P Private Individuals
Risk
(5/10)
Medium
Liquidity
Secondary market
Regulated
No
Country
Croatia

InvantAPPs score

85/100
  • Excellent
Visit Esketit

Breakdown by Category

Detailed scores for each area assessed

 0/20 
Significance within its sector
 0/10 
Ease of use and mobile app
 0/10 
Compound interest payable
 0/10 
Welcome bonus and referral bonus
 0/10 
Tax-friendly
 0/10 
Investment liquidity
 0/30 
Returns and fees

Features

Minimum investment:
10,00 €
Regulation:
Unlicensed
Withdrawal fee:
Free
Payment methods:
Instantaneous · SEPA
Type of investor:
Private individual/Business
Suitability test:
Yes
Geographical exclusions:
Only EEA, Switzerland and the United Kingdom

Platform statistics

Assets under management
49.994.197,00 €
Updated: October 2026
Portfolio health:
Healthy
Current loans: 100%
In arrears/recovery: 0%
30884
Investors

6

Years in active service
2020
Founded
Loans financed:
920.520.000,00 €
Average interest:
11.9%
Audited accounts:
No

InvantAPPs Portfolio

  • Active Investment
Total portfolio:
4.800,00 €

TIR:

11.95%
From:
February 2022
My current investment
View My Portfolio
Roll en cartera:
Security
Suggested allocation:
3
-7

%

Dedication:
Bass
Surveillance:
Long term
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Cashback + 0.5% extra
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Videos about Esketit

https://youtu.be/7vBCRmaIytM
https://youtu.be/_Tmmip0Jj0k
https://youtu.be/S_kud1k6PCw
https://youtu.be/1UyWlQ3m7n4
https://youtu.be/AYb9Zv1y6eE
https://youtu.be/zI2jC9j7GGk
https://youtu.be/HQQoAwNZuxY
https://youtu.be/IE9QZZdDRFs

Taxation

Withholding tax:
It does not retain
Tax-friendly:
Yes
Model 720:
No
Income Tax Category:
Share capital
Tax certificate:
Yes
▸ Your terms leave it up to you to determine, declare, and pay the taxes that apply to your activity on the platform. We do Esketit not withhold taxes at source and you can download a statement of income (Income Statement or Tax Report) with the interest charged. If the 720 Form affects you, consult with an advisor.
Learn more about model 720

Liquidity

Second-hand market:
Manual
Early exit:
No
Average loan term:
1–24 months
Time to settle:
From 1 day to 8 weeks
▸ You can sell your loans on their secondary market without commission. The sale depends on another investor buying it. Depending on their terms, you can sell an entire loan or part of it, with the principal outstanding plus the discount or premium you set. Loans marked as pending, suspended, or past due cannot be sold. Withdrawals of balances are processed within two business days, except for delays beyond our control Esketit.

Yield

Stated return:
Up to 14%
Self-investment:
Yes
Payment frequency:
Monthly

Regulation

  • Unregulated
License:
Unlicensed
The platform does not have its own financial authorization nor is it subject to the supervision of a financial authority as an investment platform. There is also no compensation system in case of failure.
▸ Esketit operates through Esketit Platform d.o.o., a Croatian company with its registered office in Zagreb. Its current terms since 18-09-2026 are those of this entity, distinct from Esketit Platform Limited (Ireland), with whom it operated previously. According to our information, it has no license or is not regulated as a crowdfunding platform or investment services provider. Its terms indicate that it does not provide payment services and acts as an intermediary between the investor and the originator.
Learn more about regulation

Guarantees and risk mitigation

A) Type of guarantee
A company in the same group as the borrower agrees to cover the debt with its own assets if the borrower cannot pay. There is no specific asset involved; it depends on the solvency of the lending company.
  • Corporate guarantee
▸ These are short-term personal loans without physical collateral, backed by corporate guarantees. If a loan is delayed for more than 60 days, the originator must make buybackit up. It is the originator’s obligation, not yours Esketit, and depends on their solvency. Depending on their terms, they Esketit may require the originator to fulfill buyback the obligations stipulated in the contract and claim them on your behalf.
B) Stress scenario
▸ Your uninvested funds are kept separate from those of the platform, in an account Esketit dedicated solely to user funds. Its terms do not describe what happens if it Esketit goes into insolvency. It Esketit manages the collections on your behalf, so the administration of your loans would depend on what is stipulated in the contract with each originator. There is no system of investor compensation.
▸ If a loan is delayed for more than 60 days, the originator must do buybackso. According to their terms, they Esketit can demand this buyback and claim from the guarantors on your behalf. The costs of collection and enforcement, including legal fees, are deducted first from what is recovered. If the originator fails to comply, you may lose part or all of the capital.
C) Additional guarantees
Yes
(60 days)
Originator
No
No
Yes
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InvantAPPs Summary

What is it Esketit?

Esketit It is an investment platform in consumer and corporate loans, founded in 2020, with a low minimum amount and a commission-free secondary market. Since 2026, it operates through a Croatian company, different from the Irish entity with which it operated before. According to our information, it has no license or is regulated as a financial platform. In our scale, it Esketit has a moderate risk.

https://youtu.be/7vBCRmaIytM

Esketit Founded in 2020, it operates today through Esketit Platform d.o.o., a Croatian company with its headquarters in Zagreb. Its terms in effect since September 18, 2026 are those of that entity, distinct from the Irish one with which it operated before. You invest in consumer and corporate loans; in practice, you buy the right to collect them.

According to our information, it does Esketit not have a license or is regulated as a financial platform, and it does not publish audited accounts. There is no system of investor compensation. Its terms indicate that it does not provide payment services and acts as an intermediary between you and the originator.

If a loan is delayed for more than 60 days, the originator must make recomprait up. It is the originator’s obligation, not yours Esketit, and depends on their solvency. Loans carry corporate guarantees, and you Esketit can claim on your behalf from the originator and the guarantors.

You can sell your loans on its secondary market without commission. The sale depends on another investor buying them. You set the discount or premium, and outstanding, suspended, or expired loans cannot be sold. Your uninvested funds are kept separate from those on the platform, and withdrawals are processed within two business days.

If you invested through the Irish entity, its terms stipulate that the outstanding payments from those investments will only be transferred to your Croatian account if you request it. From that point on, your right against the Irish entity and the originator for that amount is deemed satisfied.

Withdrawal of funds is free. Card payments have a processing fee, and the rest of the services with fees are listed in their price list. They do Esketit not withhold taxes at source, so you declare the interest yourself with the report that you can download.

We started investing Esketit in 2022. We experienced the relocation of the headquarters from Ireland to Croatia at the end of 2025, when sales and liquidity functions were deactivated for a while. Since then, we have been more cautious. In our scale, it Esketit has a moderate risk: regulation and operations are its weak points, which is why it is advisable to distribute capital across many loans.

Key points

Secondary market with no commission, with discounts or premiums set by you.
Your uninvested funds are kept separate from those of the platform.
According to our information, it does not have a license or is regulated as a financial platform.
The relocation of the headquarters from Ireland to Croatia temporarily deactivated the sales and liquidity functions.
The outstanding payments from the Irish entity will only be transferred to your Croatian profile if you request it.

Pros and cons

Minimum borrowing amount, which makes it easier to diversify small portfolios.
Secondary market with no commission, where you set the discount or premium.
Your uninvested funds are kept separate from those of the platform.
Buyback from the originator if the loan is delayed for more than 60 days, and free withdrawal of funds.
According to our information, it does not have a license or is regulated as a financial platform, and it does not publish audited accounts.
Sales in the secondary market are not guaranteed and outstanding, suspended or expired loans cannot be sold.
The relocation of the headquarters from Ireland to Croatia temporarily deactivated the sales and liquidity functions.
There is no system of compensation for investors.

Experience and social proof

Trustpilot

272 Reviews
3.5/5
See Review

ScamAdviser

0%
Trust score: 100/100
View Analysis
Updated: October 2026

Social media activity

🔵 Active
🟡 Not very active
🔵 Active
🟡 Not very active
  • Instagram
⚪ No profile
🔵 Active

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Frequently Asked Questions

Is it safe Esketit?

According to our information, it does Esketit not have a license or is regulated as a financial platform, and it does not publish audited accounts. If a loan is delayed for more than 60 days, the originator must recomprado so, although it depends on their solvency. Your uninvested funds are kept separate from those of the platform. In our scale, it Esketit has a moderate risk.

How much should I invest in Esketit?

We recommend allocating between 3% and 7% of your crowdlending portfolio as a safety position. Distribute the capital across many loans, taking advantage of the low minimum amount, because a lack of regulation is their weak point.

How to declare interests Esketit in the IRPF?

Interest is taxed like investment income in the base of the IRPF savings, with progressive rates depending on the bracket. It does Esketit not withhold taxes at source, so you declare the interest yourself. You can download a tax report from your account. If the 720 form affects you, consult it with an advisor.

What happens if it Esketit closes?

Your uninvested funds are kept separate from those on the platform. Their terms do not describe what happens if they Esketit go into insolvency, and they Esketit manage the collections on your behalf. The administration of your loans would depend on the contract with each originator, and there could be delays or losses.

How does the secondary market work Esketit?

You can sell your loans on its secondary market without commission. The sale depends on another investor buying it. The price is the principal amount plus the discount or premium you set, and outstanding, suspended, or expired loans cannot be sold.

What happens to my investments in Esketit Ireland?

According to their terms, the outstanding payments for those investments only pass to your Esketit Croatia profile if you request it; until then they continue to be paid in your Irish profile. Once redirected, your right against the Irish entity and the originator for that amount is deemed satisfied.

What commissions do you have Esketit?

Withdrawal of funds is free and selling on the secondary market has no commission. Card payments have a processing fee, and the rest of the services with commission are listed in their price list, which is shown before you use them.

Contact and support

Email: support@esketit.com
  • High accessibility
They provide service in Spanish:
Yes
Live chat:
No
Telegram:
No
Response time:
1–3 days
Official FAQ:
See the FAQs

Corporate identity

Legal name:
Esketit Platform d.o.o.
Country of registration:
Croatia
Registration code:
34592704188
Registered office:
Strojarska cesta 20 10000 Zagreb, Croatia
Work email:
support@esketit.com

Regulation and equipment

Licence type:
Unlicensed
Management team
CEO
Ieva Grigaļūne
Co-founder
Matiss Ansviesulis
Co-founder
Davis Barons
Verified profiles:
Yes
  • The information is taken from public sources and may not be up to date. Always check the official website.

About the author

Antonio Hernández – Founder of InvantApps

Antonio Hernández

Engineer, economist and founder of Invant APPs. I help you achieve financial freedom through smart investing and passive income.

About Me

Legal notice

Investing in crowdlending and crowdfunding involves risks, including the partial or total loss of the capital invested, and past performance is no guarantee of future results. The content on this site is for information purposes only and reflects our personal experience and opinion: it does not constitute financial or tax advice. Some links are affiliate links; the platform pays us a commission, which does not incur any cost to you nor does it influence our analysis.

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