Rontgen

Röntgen, founded in 2016, is a licensed platform under the EU Crowdfunding Regulation and supervised by the Bank of Lithuania. It connects investors with Lithuanian real estate developments backed by real estate pledges and also recently offers select aviation investments to finance working capital for aviation businesses. Active since 2018, Röntgen has raised over €167.31 million, including €65.44 million in the past 12 months, an average of €5.45 million per month. Investing is available to registered and verified individuals and legal entities, with the platform currently boasting around 20,598 registered users.^{[1] [2]}

• Röntgen links investors to Lithuanian real estate projects and aviation business loans.
• Investments start at €100, ranging from €75,000 to €2.05 million, with durations of 6 to 18 months.
• The platform offers an annual interest rate ranging from 7.5% to 11%.
• Röntgen reports 4% of the portfolio is delayed, with no defaults.

Röntgen provides investors access to 2 of type of investment products:

• Short-term loans for financing real estate developments in Lithuania
• Short-term loans to support working capital for aviation businesses

The minimum investment is €100, with investment durations ranging from 6 to 18 months. These debt instruments are structured as bullet loans, where interest is paid quarterly, and the principal is repaid at maturity. Investment sizes vary between €75,000 and €2.05 million. All loans on the Röntgen platform are secured by a first-charge mortgage on real estate, prioritizing investor recovery in case of default. These loans do not include a buyback guarantee.^[3]

Röntgen reports interest earnings to the State Tax Inspectorate (STI). Lithuanian residents must self-declare interest income exceeding €500 and pay a 15% Personal Income Tax (PIT). For foreign residents, PIT is automatically withheld at 15%.^{[4] [5]}

The platform allows investors to sell their investments on the secondary market by requesting assistance via email. Currently, Röntgen does not offer an auto-invest option to queue new investments.

Röntgen’s recently listed investments offer annual interest rates between 7.5% and 11%. The platform defines a non-performing loan as a delayed payment exceeding 90 days. Currently, about 4% of its portfolio is classified as delayed, but no defaults have been reported to date.^[6]

Röntgen charges fundraisers up to 1% evaluation fee and a 2-5% platform fee upon successful financing. Additional fees include a 25% annual compensatory interest rate, 5% for maturity extensions, and 1% for early termination. Late payments incur a 10% penalty. Notary, bailiff, mortgage, and asset valuation costs are covered by the borrower, with a 5% recovery fee on loan amounts. Investors pay a 2% fee for secondary market sales and €1 for each additional wallet withdrawal beyond one per month. Röntgen’s revenue primarily comes from fees applied to fundraisers.^[7]

Röntgen is led by CEO Martynas Stankevičius, who previously held business development roles at Žabolis Partners and Lietuvos Energija Group. He holds a Bachelor’s degree in Economics and Business from the Stockholm School of Economics in Riga University. The team includes COO Greta Zarembienė, who also brings experience from Žabolis Partners and Lietuvos Energija Group, and is supported by CTO Linas Astrauskas, Head of Financing Natalja Kozikienė, and Operations and Product Manager Laura Lydekaitytė.

Trečia diena, UAB, the company behind Röntgen, was founded in 2016. It is jointly owned by two shareholders: CEO Martynas Stankevičius, who holds the majority stake, and COO Greta Zarembienė, who owns 30% of the company.^[8]

Röntgen paid out €3.8 million in interest to investors in the first half of 2024, setting a new record for the platform, with over 80% of investors choosing to reinvest their funds.^[9]

In FY23, Trečia diena, UAB generated sales revenue of €1.45 million and a net profit of €568,550, marking a continued upward trend since FY19. The platform has been profitable since FY20, with net profit margins improving consistently from 24.16% in FY20 to a strong 39.18% in FY23. While accounts payable have been rising steadily over the past four years, this risk is mitigated by the corresponding increase in current assets. As of FY23, current assets stand at €627,456, a significant jump from €75,149 in FY19. Overall, the platform exhibits solid earnings growth.^[10]

The recent approval of Röntgen Asset Management’s UAB “Ketvirta diena” Limited Partnership Röntgen Aviation Fund by the Bank of Lithuania signals the platform’s expansion into this new sector. The fund will focus on the global aviation market, acquiring and refurbishing assets like engines and components for resale to aviation companies. Röntgen Asset Management is part of the Röntgen Group.^[11]

1. P2PMarketData: “Rontgen Statistics”
2. Röntgen: “Statistics - Registered Users”
3. Röntgen: “Investments - All Projects”
4. Röntgen: “FAQ - What taxes apply to residents of Lithuania?”
5. Röntgen: “FAQ - What taxes apply to foreign residents?”
6. Röntgen: “Statistics”
7. Röntgen: “Röntgen service fees”
8. Röntgen: “News - G. Zarembien? acquired 30% of the shares in the ‘Rontgen’ platform”
9. Röntgen: “News - ‘Röntgen’ platform pays record interest to investors”
10. Rekvizitai: “Trečia diena, UAB revenue, profit - Financials”
11. Röntgen: “News - The Bank of Lithuania approves the aviation fund to be established by Rontgen Asset Management”

Röntgen, founded in 2016, is a licensed platform under the EU Crowdfunding Regulation and supervised by the Bank of Lithuania. It connects investors with Lithuanian real estate developments backed by real estate pledges and also recently offers select aviation investments to finance working capital for aviation businesses. Active since 2018, Röntgen has raised over €167.31 million, including €65.44 million in the past 12 months, an average of €5.45 million per month. Investing is available to registered and verified individuals and legal entities, with the platform currently boasting around 20,598 registered users.^{[1] [2]}

• Röntgen links investors to Lithuanian real estate projects and aviation business loans.
• Investments start at €100, ranging from €75,000 to €2.05 million, with durations of 6 to 18 months.
• The platform offers an annual interest rate ranging from 7.5% to 11%.
• Röntgen reports 4% of the portfolio is delayed, with no defaults.

Röntgen provides investors access to 2 of type of investment products:

• Short-term loans for financing real estate developments in Lithuania
• Short-term loans to support working capital for aviation businesses

The minimum investment is €100, with investment durations ranging from 6 to 18 months. These debt instruments are structured as bullet loans, where interest is paid quarterly, and the principal is repaid at maturity. Investment sizes vary between €75,000 and €2.05 million. All loans on the Röntgen platform are secured by a first-charge mortgage on real estate, prioritizing investor recovery in case of default. These loans do not include a buyback guarantee.^[3]

Röntgen reports interest earnings to the State Tax Inspectorate (STI). Lithuanian residents must self-declare interest income exceeding €500 and pay a 15% Personal Income Tax (PIT). For foreign residents, PIT is automatically withheld at 15%.^{[4] [5]}

The platform allows investors to sell their investments on the secondary market by requesting assistance via email. Currently, Röntgen does not offer an auto-invest option to queue new investments.

Röntgen’s recently listed investments offer annual interest rates between 7.5% and 11%. The platform defines a non-performing loan as a delayed payment exceeding 90 days. Currently, about 4% of its portfolio is classified as delayed, but no defaults have been reported to date.^[6]

Röntgen charges fundraisers up to 1% evaluation fee and a 2-5% platform fee upon successful financing. Additional fees include a 25% annual compensatory interest rate, 5% for maturity extensions, and 1% for early termination. Late payments incur a 10% penalty. Notary, bailiff, mortgage, and asset valuation costs are covered by the borrower, with a 5% recovery fee on loan amounts. Investors pay a 2% fee for secondary market sales and €1 for each additional wallet withdrawal beyond one per month. Röntgen’s revenue primarily comes from fees applied to fundraisers.^[7]

Röntgen is led by CEO Martynas Stankevičius, who previously held business development roles at Žabolis Partners and Lietuvos Energija Group. He holds a Bachelor’s degree in Economics and Business from the Stockholm School of Economics in Riga University. The team includes COO Greta Zarembienė, who also brings experience from Žabolis Partners and Lietuvos Energija Group, and is supported by CTO Linas Astrauskas, Head of Financing Natalja Kozikienė, and Operations and Product Manager Laura Lydekaitytė.

Trečia diena, UAB, the company behind Röntgen, was founded in 2016. It is jointly owned by two shareholders: CEO Martynas Stankevičius, who holds the majority stake, and COO Greta Zarembienė, who owns 30% of the company.^[8]

Röntgen paid out €3.8 million in interest to investors in the first half of 2024, setting a new record for the platform, with over 80% of investors choosing to reinvest their funds.^[9]

In FY23, Trečia diena, UAB generated sales revenue of €1.45 million and a net profit of €568,550, marking a continued upward trend since FY19. The platform has been profitable since FY20, with net profit margins improving consistently from 24.16% in FY20 to a strong 39.18% in FY23. While accounts payable have been rising steadily over the past four years, this risk is mitigated by the corresponding increase in current assets. As of FY23, current assets stand at €627,456, a significant jump from €75,149 in FY19. Overall, the platform exhibits solid earnings growth.^[10]

The recent approval of Röntgen Asset Management’s UAB “Ketvirta diena” Limited Partnership Röntgen Aviation Fund by the Bank of Lithuania signals the platform’s expansion into this new sector. The fund will focus on the global aviation market, acquiring and refurbishing assets like engines and components for resale to aviation companies. Röntgen Asset Management is part of the Röntgen Group.^[11]

1. P2PMarketData: “Rontgen Statistics”
2. Röntgen: “Statistics - Registered Users”
3. Röntgen: “Investments - All Projects”
4. Röntgen: “FAQ - What taxes apply to residents of Lithuania?”
5. Röntgen: “FAQ - What taxes apply to foreign residents?”
6. Röntgen: “Statistics”
7. Röntgen: “Röntgen service fees”
8. Röntgen: “News - G. Zarembien? acquired 30% of the shares in the ‘Rontgen’ platform”
9. Röntgen: “News - ‘Röntgen’ platform pays record interest to investors”
10. Rekvizitai: “Trečia diena, UAB revenue, profit - Financials”
11. Röntgen: “News - The Bank of Lithuania approves the aviation fund to be established by Rontgen Asset Management”

Röntgen, founded in 2016, is a licensed platform under the EU Crowdfunding Regulation and supervised by the Bank of Lithuania. It connects investors with Lithuanian real estate developments backed by real estate pledges and also recently offers select aviation investments to finance working capital for aviation businesses. Active since 2018, Röntgen has raised over €167.31 million, including €65.44 million in the past 12 months, an average of €5.45 million per month. Investing is available to registered and verified individuals and legal entities, with the platform currently boasting around 20,598 registered users.^{[1] [2]}

• Röntgen links investors to Lithuanian real estate projects and aviation business loans.
• Investments start at €100, ranging from €75,000 to €2.05 million, with durations of 6 to 18 months.
• The platform offers an annual interest rate ranging from 7.5% to 11%.
• Röntgen reports 4% of the portfolio is delayed, with no defaults.

Röntgen provides investors access to 2 of type of investment products:

• Short-term loans for financing real estate developments in Lithuania
• Short-term loans to support working capital for aviation businesses

The minimum investment is €100, with investment durations ranging from 6 to 18 months. These debt instruments are structured as bullet loans, where interest is paid quarterly, and the principal is repaid at maturity. Investment sizes vary between €75,000 and €2.05 million. All loans on the Röntgen platform are secured by a first-charge mortgage on real estate, prioritizing investor recovery in case of default. These loans do not include a buyback guarantee.^[3]

Röntgen reports interest earnings to the State Tax Inspectorate (STI). Lithuanian residents must self-declare interest income exceeding €500 and pay a 15% Personal Income Tax (PIT). For foreign residents, PIT is automatically withheld at 15%.^{[4] [5]}

The platform allows investors to sell their investments on the secondary market by requesting assistance via email. Currently, Röntgen does not offer an auto-invest option to queue new investments.

Röntgen’s recently listed investments offer annual interest rates between 7.5% and 11%. The platform defines a non-performing loan as a delayed payment exceeding 90 days. Currently, about 4% of its portfolio is classified as delayed, but no defaults have been reported to date.^[6]

Röntgen charges fundraisers up to 1% evaluation fee and a 2-5% platform fee upon successful financing. Additional fees include a 25% annual compensatory interest rate, 5% for maturity extensions, and 1% for early termination. Late payments incur a 10% penalty. Notary, bailiff, mortgage, and asset valuation costs are covered by the borrower, with a 5% recovery fee on loan amounts. Investors pay a 2% fee for secondary market sales and €1 for each additional wallet withdrawal beyond one per month. Röntgen’s revenue primarily comes from fees applied to fundraisers.^[7]

Röntgen is led by CEO Martynas Stankevičius, who previously held business development roles at Žabolis Partners and Lietuvos Energija Group. He holds a Bachelor’s degree in Economics and Business from the Stockholm School of Economics in Riga University. The team includes COO Greta Zarembienė, who also brings experience from Žabolis Partners and Lietuvos Energija Group, and is supported by CTO Linas Astrauskas, Head of Financing Natalja Kozikienė, and Operations and Product Manager Laura Lydekaitytė.

Trečia diena, UAB, the company behind Röntgen, was founded in 2016. It is jointly owned by two shareholders: CEO Martynas Stankevičius, who holds the majority stake, and COO Greta Zarembienė, who owns 30% of the company.^[8]

Röntgen paid out €3.8 million in interest to investors in the first half of 2024, setting a new record for the platform, with over 80% of investors choosing to reinvest their funds.^[9]

In FY23, Trečia diena, UAB generated sales revenue of €1.45 million and a net profit of €568,550, marking a continued upward trend since FY19. The platform has been profitable since FY20, with net profit margins improving consistently from 24.16% in FY20 to a strong 39.18% in FY23. While accounts payable have been rising steadily over the past four years, this risk is mitigated by the corresponding increase in current assets. As of FY23, current assets stand at €627,456, a significant jump from €75,149 in FY19. Overall, the platform exhibits solid earnings growth.^[10]

The recent approval of Röntgen Asset Management’s UAB “Ketvirta diena” Limited Partnership Röntgen Aviation Fund by the Bank of Lithuania signals the platform’s expansion into this new sector. The fund will focus on the global aviation market, acquiring and refurbishing assets like engines and components for resale to aviation companies. Röntgen Asset Management is part of the Röntgen Group.^[11]

1. P2PMarketData: “Rontgen Statistics”
2. Röntgen: “Statistics - Registered Users”
3. Röntgen: “Investments - All Projects”
4. Röntgen: “FAQ - What taxes apply to residents of Lithuania?”
5. Röntgen: “FAQ - What taxes apply to foreign residents?”
6. Röntgen: “Statistics”
7. Röntgen: “Röntgen service fees”
8. Röntgen: “News - G. Zarembien? acquired 30% of the shares in the ‘Rontgen’ platform”
9. Röntgen: “News - ‘Röntgen’ platform pays record interest to investors”
10. Rekvizitai: “Trečia diena, UAB revenue, profit - Financials”
11. Röntgen: “News - The Bank of Lithuania approves the aviation fund to be established by Rontgen Asset Management”

Röntgen, founded in 2016, is a licensed platform under the EU Crowdfunding Regulation and supervised by the Bank of Lithuania. It connects investors with Lithuanian real estate developments backed by real estate pledges and also recently offers select aviation investments to finance working capital for aviation businesses. Active since 2018, Röntgen has raised over €167.31 million, including €65.44 million in the past 12 months, an average of €5.45 million per month. Investing is available to registered and verified individuals and legal entities, with the platform currently boasting around 20,598 registered users.^{[1] [2]}

• Röntgen links investors to Lithuanian real estate projects and aviation business loans.
• Investments start at €100, ranging from €75,000 to €2.05 million, with durations of 6 to 18 months.
• The platform offers an annual interest rate ranging from 7.5% to 11%.
• Röntgen reports 4% of the portfolio is delayed, with no defaults.

Röntgen provides investors access to 2 of type of investment products:

• Short-term loans for financing real estate developments in Lithuania
• Short-term loans to support working capital for aviation businesses

The minimum investment is €100, with investment durations ranging from 6 to 18 months. These debt instruments are structured as bullet loans, where interest is paid quarterly, and the principal is repaid at maturity. Investment sizes vary between €75,000 and €2.05 million. All loans on the Röntgen platform are secured by a first-charge mortgage on real estate, prioritizing investor recovery in case of default. These loans do not include a buyback guarantee.^[3]

Röntgen reports interest earnings to the State Tax Inspectorate (STI). Lithuanian residents must self-declare interest income exceeding €500 and pay a 15% Personal Income Tax (PIT). For foreign residents, PIT is automatically withheld at 15%.^{[4] [5]}

The platform allows investors to sell their investments on the secondary market by requesting assistance via email. Currently, Röntgen does not offer an auto-invest option to queue new investments.

Röntgen’s recently listed investments offer annual interest rates between 7.5% and 11%. The platform defines a non-performing loan as a delayed payment exceeding 90 days. Currently, about 4% of its portfolio is classified as delayed, but no defaults have been reported to date.^[6]

Röntgen charges fundraisers up to 1% evaluation fee and a 2-5% platform fee upon successful financing. Additional fees include a 25% annual compensatory interest rate, 5% for maturity extensions, and 1% for early termination. Late payments incur a 10% penalty. Notary, bailiff, mortgage, and asset valuation costs are covered by the borrower, with a 5% recovery fee on loan amounts. Investors pay a 2% fee for secondary market sales and €1 for each additional wallet withdrawal beyond one per month. Röntgen’s revenue primarily comes from fees applied to fundraisers.^[7]

Röntgen is led by CEO Martynas Stankevičius, who previously held business development roles at Žabolis Partners and Lietuvos Energija Group. He holds a Bachelor’s degree in Economics and Business from the Stockholm School of Economics in Riga University. The team includes COO Greta Zarembienė, who also brings experience from Žabolis Partners and Lietuvos Energija Group, and is supported by CTO Linas Astrauskas, Head of Financing Natalja Kozikienė, and Operations and Product Manager Laura Lydekaitytė.

Trečia diena, UAB, the company behind Röntgen, was founded in 2016. It is jointly owned by two shareholders: CEO Martynas Stankevičius, who holds the majority stake, and COO Greta Zarembienė, who owns 30% of the company.^[8]

Röntgen paid out €3.8 million in interest to investors in the first half of 2024, setting a new record for the platform, with over 80% of investors choosing to reinvest their funds.^[9]

In FY23, Trečia diena, UAB generated sales revenue of €1.45 million and a net profit of €568,550, marking a continued upward trend since FY19. The platform has been profitable since FY20, with net profit margins improving consistently from 24.16% in FY20 to a strong 39.18% in FY23. While accounts payable have been rising steadily over the past four years, this risk is mitigated by the corresponding increase in current assets. As of FY23, current assets stand at €627,456, a significant jump from €75,149 in FY19. Overall, the platform exhibits solid earnings growth.^[10]

The recent approval of Röntgen Asset Management’s UAB “Ketvirta diena” Limited Partnership Röntgen Aviation Fund by the Bank of Lithuania signals the platform’s expansion into this new sector. The fund will focus on the global aviation market, acquiring and refurbishing assets like engines and components for resale to aviation companies. Röntgen Asset Management is part of the Röntgen Group.^[11]

1. P2PMarketData: “Rontgen Statistics”
2. Röntgen: “Statistics - Registered Users”
3. Röntgen: “Investments - All Projects”
4. Röntgen: “FAQ - What taxes apply to residents of Lithuania?”
5. Röntgen: “FAQ - What taxes apply to foreign residents?”
6. Röntgen: “Statistics”
7. Röntgen: “Röntgen service fees”
8. Röntgen: “News - G. Zarembien? acquired 30% of the shares in the ‘Rontgen’ platform”
9. Röntgen: “News - ‘Röntgen’ platform pays record interest to investors”
10. Rekvizitai: “Trečia diena, UAB revenue, profit - Financials”
11. Röntgen: “News - The Bank of Lithuania approves the aviation fund to be established by Rontgen Asset Management”

Röntgen, founded in 2016, is a licensed platform under the EU Crowdfunding Regulation and supervised by the Bank of Lithuania. It connects investors with Lithuanian real estate developments backed by real estate pledges and also recently offers select aviation investments to finance working capital for aviation businesses. Active since 2018, Röntgen has raised over €167.31 million, including €65.44 million in the past 12 months, an average of €5.45 million per month. Investing is available to registered and verified individuals and legal entities, with the platform currently boasting around 20,598 registered users.^{[1] [2]}

• Röntgen links investors to Lithuanian real estate projects and aviation business loans.
• Investments start at €100, ranging from €75,000 to €2.05 million, with durations of 6 to 18 months.
• The platform offers an annual interest rate ranging from 7.5% to 11%.
• Röntgen reports 4% of the portfolio is delayed, with no defaults.

Röntgen provides investors access to 2 of type of investment products:

• Short-term loans for financing real estate developments in Lithuania
• Short-term loans to support working capital for aviation businesses

The minimum investment is €100, with investment durations ranging from 6 to 18 months. These debt instruments are structured as bullet loans, where interest is paid quarterly, and the principal is repaid at maturity. Investment sizes vary between €75,000 and €2.05 million. All loans on the Röntgen platform are secured by a first-charge mortgage on real estate, prioritizing investor recovery in case of default. These loans do not include a buyback guarantee.^[3]

Röntgen reports interest earnings to the State Tax Inspectorate (STI). Lithuanian residents must self-declare interest income exceeding €500 and pay a 15% Personal Income Tax (PIT). For foreign residents, PIT is automatically withheld at 15%.^{[4] [5]}

The platform allows investors to sell their investments on the secondary market by requesting assistance via email. Currently, Röntgen does not offer an auto-invest option to queue new investments.

Röntgen’s recently listed investments offer annual interest rates between 7.5% and 11%. The platform defines a non-performing loan as a delayed payment exceeding 90 days. Currently, about 4% of its portfolio is classified as delayed, but no defaults have been reported to date.^[6]

Röntgen charges fundraisers up to 1% evaluation fee and a 2-5% platform fee upon successful financing. Additional fees include a 25% annual compensatory interest rate, 5% for maturity extensions, and 1% for early termination. Late payments incur a 10% penalty. Notary, bailiff, mortgage, and asset valuation costs are covered by the borrower, with a 5% recovery fee on loan amounts. Investors pay a 2% fee for secondary market sales and €1 for each additional wallet withdrawal beyond one per month. Röntgen’s revenue primarily comes from fees applied to fundraisers.^[7]

Röntgen is led by CEO Martynas Stankevičius, who previously held business development roles at Žabolis Partners and Lietuvos Energija Group. He holds a Bachelor’s degree in Economics and Business from the Stockholm School of Economics in Riga University. The team includes COO Greta Zarembienė, who also brings experience from Žabolis Partners and Lietuvos Energija Group, and is supported by CTO Linas Astrauskas, Head of Financing Natalja Kozikienė, and Operations and Product Manager Laura Lydekaitytė.

Trečia diena, UAB, the company behind Röntgen, was founded in 2016. It is jointly owned by two shareholders: CEO Martynas Stankevičius, who holds the majority stake, and COO Greta Zarembienė, who owns 30% of the company.^[8]

Röntgen paid out €3.8 million in interest to investors in the first half of 2024, setting a new record for the platform, with over 80% of investors choosing to reinvest their funds.^[9]

In FY23, Trečia diena, UAB generated sales revenue of €1.45 million and a net profit of €568,550, marking a continued upward trend since FY19. The platform has been profitable since FY20, with net profit margins improving consistently from 24.16% in FY20 to a strong 39.18% in FY23. While accounts payable have been rising steadily over the past four years, this risk is mitigated by the corresponding increase in current assets. As of FY23, current assets stand at €627,456, a significant jump from €75,149 in FY19. Overall, the platform exhibits solid earnings growth.^[10]

The recent approval of Röntgen Asset Management’s UAB “Ketvirta diena” Limited Partnership Röntgen Aviation Fund by the Bank of Lithuania signals the platform’s expansion into this new sector. The fund will focus on the global aviation market, acquiring and refurbishing assets like engines and components for resale to aviation companies. Röntgen Asset Management is part of the Röntgen Group.^[11]

1. P2PMarketData: “Rontgen Statistics”
2. Röntgen: “Statistics - Registered Users”
3. Röntgen: “Investments - All Projects”
4. Röntgen: “FAQ - What taxes apply to residents of Lithuania?”
5. Röntgen: “FAQ - What taxes apply to foreign residents?”
6. Röntgen: “Statistics”
7. Röntgen: “Röntgen service fees”
8. Röntgen: “News - G. Zarembien? acquired 30% of the shares in the ‘Rontgen’ platform”
9. Röntgen: “News - ‘Röntgen’ platform pays record interest to investors”
10. Rekvizitai: “Trečia diena, UAB revenue, profit - Financials”
11. Röntgen: “News - The Bank of Lithuania approves the aviation fund to be established by Rontgen Asset Management”