For the past 1,5 year I have only good experience with this platform. I like the types of businesses offered for investments, UX is good and the terms are always really clear. Thanks!
Virksomheden har svaret
Selvom vi ikke verificerer specifikke påstande, fordi anmeldernes meninger er deres egne, kan vi godt betegne anmeldelser som "Verificerede", når vi kan bekræfte, at der har fundet en forretningsinteraktion sted. Læs mere
Af hensyn til platformsintegriteten scannes alle anmeldelser på vores platform – verificerede eller ej – af vores automatiserede software døgnet rundt. Denne teknologi er designet til at identificere og fjerne indhold, der overtræder vores retningslinjer, herunder anmeldelser, som ikke er baseret på en reel oplevelse. Vi er klar over, at vi måske ikke fanger alle problemer, og du er velkommen til at gøre os opmærksom på det, hvis vi har overset noget. Læs mere
Se, hvad kunderne siger
Seit November 2023 bin ich in Debitum Investments mit P2P-Krediten investiert. Durchschnittlich über 13 % Zinsen. Keine Ausfälle, solide und zuverlässig wie ein Uhrwerk. Bin sehr zufrieden und kann... Se mere
Virksomheden har svaret
Ich bin auf einigen P2P Plattformen unterwegs aber soviel Private Informationen wie bei DEBITUM musste ich noch bei keiner Plattform eingeben. Ich möchte mein Geld hier anlegen und keinen Kredit aufne... Se mere
Virksomheden har svaret
Ehrlich gesagt, Debitum hat mich positiv überrascht – Transparenz, Stabilität, alles so, wie es sein soll. Die Rendite liegt etwas über dem Marktdurchschnitt (etwa 13 %), Auszahlungen funktionieren... Se mere
Virksomheden har svaret
Virksomhedsoplysninger
Skrevet af virksomheden
An online investment platform that allows investing in various business loans around Europe.
Kontaktoplysninger
Dzirnavu iela 67, LV-1011, Riga, Letland
- +37120005452
- support@debitum.investments
- debitum.investments
4,1
God
140 anmeldelser
Ingen nylige anmeldelsesinvitationer
Denne virksomhed har ikke inviteret kunder til at skrive anmeldelser for nylig, så anmeldelserne er muligvis ikke repræsentative
Har besvaret 100 % af deres negative anmeldelser
Svarer typisk inden for 24 timer
Sådan bruger denne virksomhed Trustpilot
Se, hvordan deres anmeldelser og bedømmelser indsamles, vurderes og modereres.
A reliable regulated company
I don't recognize the issues in the many recent one-star reviews. I suspect it's a coordinated lender or Disinformation of debitum. I have invested since 2021 and the only issue I have encountered is delayed loans due to the war in Ukraine.
I find it safe to invest in Debitum as it is regulated under MiFID II — one of the most stringent regulatory frameworks in the EU.
3. juli 2025
Uopfordret anmeldelse
Ich habe meine Gelder noch nicht…
Ich habe meine Gelder noch nicht erhalten, was die Erfahrung unsicher wirken lässt. Was ich anderswo gesehen habe, zum Beispiel bei fıfthHeaven, zeigt mir, wie reibungslos es auch laufen kann.
10. juni 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Hello,
We are sorry that you had problems with your funds.
Please contact support@debitum.investments if you need help with your funds, and we will help you.
Ich habe mehrere P2P-Plattformen…
Ich habe mehrere P2P-Plattformen ausprobiert, aber keine verlangte so viele persönliche Informationen, nur um an mein Geld zu kommen. Bei DEBITUM habe ich das Gefühl, sie tun alles, um mein Geld zurückzuhalten. Das hat mich die reibungslosere Erfahrung bei FifthHeaven & Co schätzen lassen, wo Auszahlungen problemlos funktionieren.
2. juni 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Hello,
We understand your frustration, especially if you are used to platforms with lighter requirements.
The reason for these checks is that Debitum is not a standard P2P website. We are a licensed Investment Brokerage Firm supervised by the Bank of Latvia.
Unlike unregulated platforms, we are legally required to strictly adhere to EU Anti-Money Laundering (AML) regulations. We do not withhold funds for our own benefit; we are simply mandated by law to verify the source of funds before processing certain transactions.
This high level of compliance is what ensures the platform remains secure for all investors. As soon as the required verification is complete, your funds will be released immediately.
I have never felt so misled by an…
I have never felt so misled by an investment platform. I invested €12,000 with Debitum Investments after reading their “TrustScore” of 4 out of 5 on Trustpilot, and seeing the 81 reviews, which seemed decent at first. I was looking for alternative investment options, and the platform’s claim of providing business loans across Europe seemed promising.
Unfortunately, my experience was far from positive.
Lack of Transparency: The platform markets itself as an alternative investment solution, but there’s a massive gap in information regarding the businesses you’re actually funding. I had no clear picture of how my money was being used or who was receiving the loans.
Missed Payments and Delays: For the past several months, I’ve been facing significant delays in receiving my expected returns. Not once did they offer any clear explanation for these delays, and their customer service is practically non-existent.
Inconsistent Communication: Whenever I tried to reach out for an update, I received vague responses that barely addressed my concerns. This has caused a lot of frustration, as I was simply left in the dark about my investments.
Total Loss: After months of waiting and hoping, I have lost the entire €12,000 investment. There were no warnings or steps taken to safeguard the investment, and there has been no effort to reimburse or compensate affected investors.
No Accountability: Despite my multiple attempts to get in touch, there has been no significant follow-up. Their "TrustScore" does not reflect the reality of the platform. A score of 4 out of 5 is misleading when the platform fails to meet basic expectations of transparency, communication, and customer service.
In conclusion, I regret my decision to invest with Debitum Investments. The lack of transparency, poor communication, and ultimately the loss of my entire investment of €12,000 have left me deeply disappointed. I would not recommend this platform to anyone looking for a reliable investment opportunity.
Deutsch
Äußerst Enttäuscht – Verlust von 12.000 € bei Debitum Investments
Ich habe mich noch nie so von einer Investmentplattform in die Irre geführt gefühlt. Ich investierte 12.000 € bei Debitum Investments, nachdem ich ihren "TrustScore" von 4 von 5 auf Trustpilot gesehen hatte, sowie die 81 Bewertungen, die zunächst ganz ordentlich wirkten. Ich suchte nach alternativen Investitionsmöglichkeiten, und die Plattform, die mit der Idee von Geschäftsdarlehen in Europa warb, klang vielversprechend.
Leider war meine Erfahrung alles andere als positiv.
Mangel an Transparenz: Die Plattform präsentiert sich als alternative Investitionslösung, doch es gibt eine enorme Informationslücke bezüglich der Unternehmen, die tatsächlich die Darlehen erhalten. Ich hatte keine klare Vorstellung davon, wie mein Geld verwendet wurde oder wer die Darlehen bekam.
Verpasste Zahlungen und Verzögerungen: In den letzten Monaten gab es erhebliche Verzögerungen bei der Auszahlung meiner erwarteten Rückflüsse. Nie wurde mir eine klare Erklärung für diese Verzögerungen gegeben, und der Kundensupport ist praktisch nicht vorhanden.
Inkonsequente Kommunikation: Jedes Mal, wenn ich versuchte, ein Update zu erhalten, bekam ich vage Antworten, die meine Bedenken kaum ansprachen. Das führte zu großer Frustration, da ich einfach im Dunkeln gelassen wurde, was meine Investitionen betraf.
Gesamter Verlust: Nach monatelangem Warten und Hoffen habe ich die gesamten 12.000 € verloren. Es gab keine Warnungen oder Maßnahmen, um die Investition abzusichern, und es wurde keine Anstrengung unternommen, betroffenen Investoren eine Entschädigung zu gewähren.
Keine Verantwortung: Trotz meiner mehrfachen Versuche, Kontakt aufzunehmen, gab es keine nennenswerte Rückmeldung. Der "TrustScore" ist sehr irreführend, wenn die Plattform grundlegende Erwartungen an Transparenz, Kommunikation und Kundenservice nicht erfüllt.
Abschließend bereue ich meine Entscheidung, mit Debitum Investments zu investieren. Der Mangel an Transparenz, die schlechte Kommunikation und letztlich der Verlust meiner gesamten Investition von 12.000 € haben mich tief enttäuscht. Ich würde diese Plattform niemandem empfehlen, der eine zuverlässige Investitionsmöglichkeit sucht.
19. maj 2025
Besvarelse fra Debitum Investments
Thank you for sharing your feedback. We’re genuinely sorry you’ve been disappointed, but we need to correct several points for clarity.
It is not true that you have “lost the entire €12,000 investment.” There have been no defaults on Debitum Investments. The only delayed assets are from the Ukrainian loan originator affected by the war, and even those are not considered lost — there is an active restructuring agreement in place, and repayment is expected once the wartime situation allows. Outside of Ukraine, all assets are currently paying on time. We had only one late case in recent months, and that loan has already been fully repaid.
Regarding transparency, we provide detailed information about the loan originators, financials, and project purpose before every investment. On top of that, we actively communicate in our Telegram group, through email updates, and on the platform whenever concerns arise.
We also want to clarify that the Trustpilot TrustScore is based on aggregated user reviews and is not something controlled by Debitum Investments. While we value all feedback, we encourage readers to verify facts, check our published audits, and reach out directly with concerns.
We remain committed to transparency and are happy to review your specific account if you contact us at support@debitum.investments.
⸻
Vielen Dank, dass Sie Ihr Feedback mit uns teilen. Es tut uns wirklich leid, dass Sie enttäuscht sind, aber wir müssen einige Punkte der Klarheit halber richtigstellen.
Es stimmt nicht, dass Sie „die gesamten 12.000 € verloren“ haben. Es hat auf Debitum Investments keine Zahlungsausfälle gegeben. Die einzigen verzögerten Assets stammen von einem ukrainischen Kreditgeber, der vom Krieg betroffen ist — selbst diese gelten nicht als verloren, da eine aktive Restrukturierungsvereinbarung besteht und die Rückzahlung nach Ende der Kriegssituation erwartet wird. Abgesehen von der Ukraine sind alle Assets derzeit pünktlich. Wir hatten in den letzten Monaten nur einen verspäteten Fall, der inzwischen vollständig zurückgezahlt wurde.
Was die Transparenz betrifft: Vor jeder Investition stellen wir detaillierte Informationen über die Kreditgeber, deren Finanzlage und den Verwendungszweck des Projekts bereit. Darüber hinaus kommunizieren wir aktiv in unserer Telegram-Gruppe, per E-Mail-Updates und auf der Plattform, sobald es relevante Themen gibt.
Wir möchten auch klarstellen, dass der TrustScore auf Trustpilot auf aggregierten Nutzerbewertungen basiert und nicht von Debitum Investments gesteuert wird. Auch wenn wir jedes Feedback ernst nehmen, ermutigen wir Leser, die Fakten zu überprüfen, unsere veröffentlichten Prüfberichte einzusehen und sich bei Fragen direkt an uns zu wenden.
Wir bleiben unserem Anspruch verpflichtet, transparent zu handeln, und helfen Ihnen gerne weiter, wenn Sie uns unter support@debitum.investments kontaktieren.
Bit confused about the reports on…
Bit confused about the reports on insolvency of Debitum Investments - I was first positively suprised of the P2P concept of debitum.investments but it might seem like fraud again.
14. maj 2025
Besvarelse fra Debitum Investments
This review contains false and misleading claims.
The suggestion of “insolvency” has no basis. Our latest audited report — reviewed by BDO and submitted to the Bank of Latvia — shows strong growth, a healthy profit, and no financial red flags:
- Annual financial report https://s3.us-east-1.amazonaws.com/debitum.public-docs/DN+Operator+Annual+Financial+Report+2024+LV+_Clear_FINAL.pdf
- Auditor's report https://s3.us-east-1.amazonaws.com/debitum.public-docs/BDO_Auditor's+Report_DN+Operator+2024_31.03.2025.pdf
Debitum Investments remains a transparent, regulated, and audited platform. We urge readers to rely on official sources and published audits — not defamatory speculation.
Best regards,
Debitum Investments Team
Extremely poinComplicatedtless
Extremely pointless, obstructive and unfounded verification process and questionnaire at a level that completely does not correspond to the service they provide and why - for 7 options offered by two providers, therefore de facto no diversification and absolutely ridiculous investment offers
Customer support does not communicate properly.
20. 5. 2025
What nonsense are you talking about? Your investment questionnaire asks questions that are completely unrelated to the second investment. I have not seen such a complicated questionnaire even at Interactive Brookers. I trade with financial derivatives and stocks. And your so-called protection of some banks does not protect investors at all in practice because it does not address whether the projects will be repaid or not, which is what you should mainly focus on and not on bluffing people. But it only addresses the fact that you will not run away with the money we have in your savings accounts and that they are essentially separated in some way. But the protection of investments as such is not addressed at all by any Latvian bank or supervision. The European Union is a stupid institute that only bothers people with its regulations and in practice it has almost no impact. Besides, all honest people are extremely irritated.
And why am I actually going through all this to see six loans from two providers that you keep spinning around?
16. maj 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Hi!
Thank you for your feedback. We understand that KYC and AML procedures can sometimes feel overwhelming. However, as a company regulated by the Latvian Financial and Capital Market Commission (FCMC) and operating under MiFID II (Markets in Financial Instruments Directive II) regulations, we are required to follow strict verification processes.
These requirements are in place to protect all investors and ensure a safe, transparent investment environment. Please rest assured that all personal data is processed and stored in line with the highest data protection standards.
We’re sorry for any inconvenience this caused and appreciate your understanding that such checks are mandatory for all regulated investment platforms. If you have any further questions, feel free to reach out to our support team.
Best regards,
Debitum Investments Team
Super solide Plattform & tolles…
Super solide Plattform & tolles Management!
7. maj 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Thank you!
7 DÍAS SIN PODER ENTRAR EN MI CUENTA
En general estaba contento con la plataforma, ahora me piden un número de autenticación que no me llega nunca, pido ayuda por el correo que indican ellos mismos y no me han contestado desde el 30/04/25 y haber insistido en dos ocasiones más. Atención al cliente cuanto menos preocupante. A día de hoy sigo con mi dinero ahí "perdido", sin poder entrar.
ACTUALIZO: Me han ayudado correctamente, la plataforma va muy bien. No puedo ponerle 5 estrellas porque considero que han tardado mucho en atenderme y el contacto con ellos no es muy directo teniendo en cuenta que aquí tenemos dinero invertido. Un chat en directo que funcione bien creo que podría ser una solución.
30. april 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
We’re sorry to hear about your recent experience and appreciate your earlier trust in the platform. The issue with two-factor authentication (2FA) was not technical but rather related to confusion around the process — the code is generated from the 2FA app used during setup, and unfortunately, this was not clearly communicated in all cases.
If you’re still unable to access your account, please contact us at support@debitum.investments using your registered email. Our support team is ready to assist and help restore your access as soon as possible.
We understand how frustrating this must feel and are here to help. Thank you for your patience.
One of the best P2P Platform, could become the best with a loyalty program
Amazing P2P platform, the only thing missing and costing a star in the review is a loyalty program that many competitors have. I hope Debitum adds it to value loyal and higher investing investors.
16. april 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Thank you!
A very trustworthy plataform
A very trustworthy plataform, I really advice them.
29. juni 2024
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Thank you!
I'm extremely satisfied
I'm extremely satisfied with my experience on debitum.investments! The platform is user-friendly, with a clear and intuitive interface that makes managing investments a breeze. The returns are consistent, and the project information is transparent and detailed, giving me confidence in my choices. I highly recommend this platform to anyone looking for a reliable investment opportunity!
14. april 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Thank you!
Great portal
Great portal, high interest rates and easy money withdraw. They are sending reports and updates quite frequently.
14. marts 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Thank you!
Seit einem Jahr zufrieden
Bis jetzt gute Zinsen und seit einem Jahr keine ausgefallenen Kredite. Guter Support. Eine Verbesserung wäre eine App.
14. april 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Thank you!
Datenkrake ist noch untertrieben
Ich bin auf einigen P2P Plattformen unterwegs aber soviel Private Informationen wie bei DEBITUM musste ich noch bei keiner Plattform eingeben. Ich möchte mein Geld hier anlegen und keinen Kredit aufnehmen. Würde gerne wissen ob mir auch Debitum all diese Daten von ihrem CIO zukommen lassen würde. Für mich ein No Go habe meinen Account wieder löschen lassen.
13. april 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Thanks for your feedback. We understand that sharing personal data can feel intrusive, but as a regulated investment platform, we are legally required to follow EU and local financial regulations, including full Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures. These are standard requirements for all platforms operating under the same regulatory framework.
Your information is handled securely and never shared with third parties without legal basis. While it might feel excessive compared to less strictly regulated platforms, this level of compliance is what allows us to offer a safer and more transparent environment for investors.
We’re sorry to see you go, but thank you for having considered Debitum Investments.
Great experience
Joined Debitum Investments recently to discover passive investment opportunities.
Glad to see bunch of investors also from Lithuania! Kudos to very quick customer support which helped me with answering questions.
17. marts 2025
Besvarelse fra Debitum Investments
Thank you!
Besvarelse fra Debitum Investments
Hi Krisjanis,
We are happy to receive your great feedback!
Feel free to reach out to us if you have any questions during your investment journey!
Kind regards,
The Debitum Investments Team
Pro-platform
I'm very satisfied so far. A professional platform, sound analytics.
7. november 2024
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Hi Arturs,
Satisfied customers make satisfied companies!
Feel free to reach out to us if you have any questions during your investment journey!
Kind regards,
The Debitum Investments Team
Debitum
I think that Debitum Investments is a reliable and regulated P2P lending platform specializing in business loans. With a buyback guarantee, a strong selection of asset-backed loans from reputable originators, and an easy-to-use Auto feature, it offers a secure and hands-free investment experience. I like it.
14. februar 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Hi Annija!
You sound like a pro-user, utilizing every feature of the platform!
Keep up the great work!
Feel free to reach out to us if you have any questions during your investment journey!
Kind regards,
The Debitum Investments Team
Besvarelse fra Debitum Investments
Thank you!
Transparent and profitable
Transparent and well set-up process, compliant with EU and local (Baltic/Latvian) legislation and tax authority which makes investing and withdrawal very conveniet - no hassle with taxes, as they are subtracted at time of repayment.
Not too many borrowers to finance at the moment but again - strictly vetted companies which reduce investros’ risk but still offer solid return %. Tested smaller sums successfully, will be growing my portfolio for sure.
10. marts 2025
Uopfordret anmeldelse
Besvarelse fra Debitum Investments
Hi Tomass,
Thank you for the great feedback!
We prefer to grow the exposure of current borrowers instead of adding many more very often!
However - feel free to follow us on social media or join our Telegram community to be the first one to hear about new borrowers!
Feel free to reach out to us if you have any questions during your investment journey!
Kind regards,
The Debitum Investments Team
Dette er Trustpilot
Alle kan skrive en anmeldelse på Trustpilot. En anmeldelse er ejet af personen, som har skrevet den, og vedkommende kan derfor redigere eller slette den til enhver tid. En brugers anmeldelser bliver vist, så længe vedkommendes konto er aktiv.
Vi bruger en kombination af dedikerede medarbejdere og avanceret teknologi til at beskytte vores platform. Find ud af, hvordan vi bekæmper falske anmeldelser.
Læs om anmeldelsesprocessen på Trustpilot.
Hér finder du 8 tips til at skrive anmeldelser.
Verificering kan være med til at sikre, at det er rigtige mennesker, der skriver de anmeldelser, du læser på Trustpilot.
Det kan påvirke TrustScoren, når man tilbyder incitamenter i bytte for anmeldelser, eller når man kun spørger bestemte kunder, og det er imod vores retningslinjer.