Dear Investor,

During January, the PROFITUS investor community raised a total of EUR 8,018,752, which was distributed across 33 business loans. Investors were paid EUR 371,903 in interest.

January results

Indicator	Result
Total funds raised	8 018 752 EUR
Number of funded projects	33
Average project size	242 990 EUR
Interest paid out	371 903 EUR
Largest investment	500 000 EUR
Average investment	980 EUR
Total number of investments made	8 254

Platform news

· In January, we filmed 5 episodes of “Pokalbiai Apie Pinigus” (Conversations About Money), featuring guests who shared their experiences: Arūnas Valinskas, Martynas Kairys, Danielius Bunkus, Agnė Kuzmickaitė, and Nijolė Oželytė.
All past and current episodes can be found on the Pokalbiai Apie Pinigus YouTube channel or by clicking here.

· PROFITUS chose “Amlyze” to automate customer risk management

We are pleased to announce that, in order to further strengthen anti-money laundering prevention and customer risk management, PROFITUS has started a partnership with the Lithuanian RegTech company Amlyze.
Amlyze solutions will allow us to automate and structure customer risk assessment processes, replacing manual and fragmented tools. This is an important step in the context of platform growth, ensuring high standards of compliance, transparency, and investor trust.

Read more here.

· PROFITUS mobile app – investing made even more convenient

We are happy to see that the PROFITUS app has already been downloaded by more than 4,000 users.

In the app you will:

quickly learn about new projects,
receive important notifications in real time,
conveniently track your investments anywhere, anytime.

If you are not yet using the PROFITUS app, we invite you to download it and enable notifications so you don’t miss the most important news and new investment opportunities.

App store

Google play

PROFITUS live streams

We are sharing live streams that took place in January and are worth watching if you didn’t have the opportunity.

PROFITUS LIVE | 2025 Projects and Overview of Open Projects

During this live stream, the PROFITUS team reviewed the plans for 2025, presented currently open projects on the platform, and answered investor questions.
Participants: Justas Paliukėnas, Head of Investor Communications and Project Quality at PROFITUS, and Rokas Rakauskas, Head of Sales at PROFITUS.
You can watch the stream by clicking here.

Smart Investing Forum #14 | Spanish Real Estate Market

The stream discussed trends, opportunities, and the overall context of the Spanish real estate market, as well as an overview of PROFITUS activities and future direction.
Speakers included real estate expert in Spain Valdemaras Paukštė, owner of Valdemar Consultores, and Monika Petrulevičienė, COO of PROFITUS.
You can watch the stream by clicking here.

PROFITUS in the Media

In January, we shared our experience and success stories in the media. If you happened to miss them, for your convenience all November articles can be found in one place:

Article Title	Link
PROFITUS investors earned more than EUR 6.8 million in 2025	https://www.vz.lt/investavimas-2025/2026/01/16/profitus-investuotojai-per-2025-metus-uzdirbo-daugiau-nei-68-mln-euru-579266
Delfi Day: Why do women invest less often than men and how to get back into rhythm after the holidays?	https://www.delfi.lt/tv/laidos/delfi-diena/delfi-diena-kodel-moterys-investuoja-reciau-nei-vyrai-ir-kaip-po-svenciu-grizti-i-ritma-120193997
What to do with funds withdrawn from the second pension pillar: expert advice and warnings	https://www.delfi.lt/verslas/rinka/ka-daryti-su-is-antrosios-pensiju-pakopos-atgautais-pinigais-ekspertu-patarimai-ir-perspejimai-120193290
Pension funds are being withdrawn en masse, but experts warn: the key decision lies in the future	https://www.delfi.lt/verslo-poziuris/verslas-pranesa/pensiju-lesas-atsiima-masiskai-bet-ekspertai-perspeja-svarbiausias-sprendimas-ateityje-120197275
Lithuanian real estate market: how much will it expand, will prices rise, and what do investors expect?	https://www.15min.lt/video/lietuvos-nt-rinka-kiek-plesis-ar-augs-kainos-ir-ko-tikisi-investuotojai-276162
Miglė Grybinienė: Second pillar funds on the way – April is decision time	https://www.lrt.lt/naujienos/verslo-pozicija/692/2821231/migle-grybiniene-antrosios-pakopos-pinigai-pakeliui-balandi-sprendimu-metas

Overall PROFITUS Statistics

2026 02 04

Funded loans	339 051 959 Eur
Loans paid on time	80 971 047 Eur
Repaid loans	246 198 204 Eur
Delayed loans	2 136 569 Eur
Loans under recovery	8 669 289 Eur
Average loan-to-value ratio	68.15%
Number of funded projects	2004
Average funded amount per project	168 650 Eur
Active investors	13 866
Registered users	49 014
Interest paid out	22 538 089 Eur
XIRR	11,05%

Loans by Risk Rating

2026 01 04

There are 10 different risk ratings on the PROFITUS platform – from AAA to BBB-. At the beginning of January, they were distributed as follows:

Rating	Distribution
AAA	1.05%
AA+	2.48%
AA	7.51%
AA-	17.75%
A+	21.52%
A	22.90%
A-	13.79%
BBB+	7.66%
BBB	3.83%
BBB-	1.49%

You can track how the distribution of loans by risk rating changes in the loan portfolio on the PROFITUS statistics page, available here.

We are pleased with the results of January and thank you for being part of the PROFITUS community. We believe and strive for even better results in the coming months.

Successful investments!

The PROFITUS Team

Investing always involves the risk of losing part or all of your investment. We recommend investing responsibly and diversifying your investments.