What Aventus Group does

Aventus Group is a private digital lending group headquartered in Vilnius, Lithuania, founded in 2009 by Andrejus Trofimovas. Operating across more than 20 countries on four continents, the group provides short- and long-term consumer loans, car leasing, real estate development (via Aventus Home in Marbella, Spain), and proprietary IT and financial technology solutions. It holds leading market positions in Poland, Latvia, Czech Republic, and Georgia, with a deep presence in Ukraine through multiple microcredit sub-brands (CreditPlus, Pluscard, Credit7, Sloncredit, Selfiecredit) plus AUTOMONEY for auto leasing and Paytech for payments, and an expanding footprint across Latin America (Mexico, Colombia, Peru, Argentina, Brazil), Africa (South Africa, Nigeria, Tanzania, Kenya, Zambia), Asia (Philippines, Sri Lanka, India, Kazakhstan), and Oceania (Australia), with Canada added in 2025.

The group's core business is digital consumer lending built on proprietary IT platforms that integrate AI, machine learning, and big data analytics for credit assessment and real-time risk evaluation. Lending operations are funded primarily through retained earnings, supplemented by the PeerBerry alternative investment platform, which provides approximately 15% of loan book funding and accounts for 45% of PeerBerry's outstanding portfolio. In 2025, the group originated EUR 1.3 billion in loans, generating EUR 411.39 million in interest income and EUR 95.67 million in net profit, bringing cumulative loans issued since inception to approximately EUR 7 billion. The company has been profitable for 17 consecutive years, maintains a debt-to-equity ratio below 20%, and reported equity of EUR 225.68 million at year-end 2025, with first-half 2026 loan issuance up 30% year-on-year.

The group serves underserved consumers, SMEs, freelancers, and retail customers in markets with limited access to traditional banking, using a horizontal segmentation approach delivered through digital direct-to-consumer channels. Revenue is concentrated in interest income from lending, supplemented by one-time revenue from real estate development and IT services, with go-to-market combining self-serve digital platforms for borrowers, the PeerBerry investment channel for loan funding, and content marketing plus LinkedIn-based corporate communications. The company employs nearly 5,000 professionals and has received recognition including FinTech CEO of the Year Europe 2026 and Most Innovative Credit Provider Europe 2026 from International Investor Magazine.

Name

Aventus Group

Legal name

Aventus Group

Website

https://aventusgroup.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Aventus Group is a private, founder-owned digital lending group operating in 20+ countries across four continents, offering consumer loans, auto leasing, real estate development, and IT services, and serving underserved consumers and SMEs with proprietary AI-driven credit assessment platforms.

Ownership category

akta.pro rank

Product category

Digital Consumer Lending

NAICS

Finance and Insurance (52)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Digital consumer lending
• Microcredit services
• Online payday loans
• Car leasing services
• Fintech lending platforms

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Others

Revenue model

1. Digital Lending Interest Income: The primary revenue stream comes from interest income on loans issued to consumers and businesses. In 2025, interest income amounted to EUR 411.39 million, up 18% compared to 2024.
2. Real Estate Development: Aventus Home constructs, sells, and rents luxury villas and multi-apartment houses in Marbella, Spain. The value of Aventus Group's properties in Spain is currently about EUR 60 million.
3. IT Services: The company operates IT businesses alongside its lending operations, providing technology solutions as part of its diversified business model.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Aventus Group is a private digital lending and financial services group that originates short-term and long-term consumer loans, auto/car leases, and luxury real estate across more than 20 countries through proprietary online platforms. It also operates an in-house IT-Hub that develops and maintains the technology infrastructure for its lending operations and offers payment services in selected markets.

Product overview

Aventus Group is a group of innovative digital loan providers operating a multi-product financial services platform across 20+ countries. The core offerings include digital consumer lending (short & long-term loans), car/auto leasing (via AUTOMONEY), real estate development (via Aventus Home in Spain), and IT/technology solutions. In Ukraine specifically, the group operates multiple microcredit sub-brands including CreditPlus, Pluscard, Credit7, Sloncredit, and Selfiecredit, along with payment services through Paytech and auto leasing through AUTOMONEY. The company also partners with the PeerBerry investment platform for alternative investment opportunities. The diversified product portfolio enables Aventus Group to serve consumers across different market segments while maintaining geographic diversification as a key business strategy.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Consumer Lending (Short & Long-term Loans)

Quantifiable outcome

• EUR 95.67 million net profit in 2025 with approximately 10% year-on-year growth
• +5 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• GofingocoreStrategic or Co-development PartnerGofingo is a business partner in Spain collaborating with Aventus Group on real estate development. Together they are developing a townhouse complex of 72 semi-detached houses in Marbella. Both companies have extensive experience in real estate development.

Scale indicators17 records

Recent moves13 records

Expansion highlights6 records

Direct peers

• 4Finance Group: Latvia-headquartered digital consumer lender operating across Europe and CIS with brands like Vivus, Zaplo, and Ondo. Direct competitor in the same D2C short-term installment lending category across overlapping CEE geographies.
• ProfiCredit Polska: Non-bank consumer lender (part of TBF Global) offering unsecured installment loans in Poland, Czech Republic, and other CEE markets. Direct competitor to Aventus's Polish and Czech operations with similar D2C digital distribution.
• Creditstar Group: Estonian-headquartered online consumer lender operating across 10+ countries in Europe, Latin America, and Asia. Closely comparable D2C digital short-term lending model and geographic footprint.
• Wonga: UK-origin payday and short-term installment lender that pioneered the online consumer credit model. Historical direct competitor in the digital short-term lending category, though now operating in a more limited set of markets.
• Kueski: Mexico-based digital consumer lender offering BNPL and personal loans via an AI-driven underwriting platform. Direct peer in Latin America — Aventus operates in Mexico, Colombia, Peru, and Argentina and competes for the same underbanked Mexican consumer base.

Emerging players

• Tala: Mobile-first digital lender using alternative data for credit decisions across emerging markets (Mexico, India, Philippines, Kenya). Overlaps with Aventus's underbanked consumer strategy and shares footprint in Philippines and Kenya.
• Branch International: Mobile lending platform serving underbanked consumers in Africa and India using smartphone data for underwriting. Comparable emerging-market D2C digital lending model with overlap in Africa (Kenya, Nigeria, Tanzania) where Aventus is also expanding.
• Lendoit / LenddoEFL: Digital lending and credit scoring platform focused on emerging markets in Asia and Latin America. Adjacent to Aventus's digital underwriting approach and shares geographic overlap in Philippines, Colombia, and other emerging markets.

Broad incumbents

• Home Credit: Large established non-bank consumer lender (PPF Group) operating across CEE, CIS, and Asia with a much broader product set (POS loans, cash loans, auto). Overlaps directly with Aventus in several CEE and CIS markets at a far larger scale.

Regional players

• Kaspi.kz: Kazakhstan-headquartered super-app combining payments, marketplace, and consumer finance. Regional peer with comparable consumer credit products in one of Aventus's Central Asian markets (Kazakhstan).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aventus-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aventus Group