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Available for EU residents

Bulkestate Review

Updated | 26. November 2025

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Available for EU residents
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Secured bya mortgage
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The majority of Bulkestate's loans are in default. Your capital is at risk!

SW
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Score withdrawn

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Tested Platform
  • checkbox iconNo communication from management
  • checkbox iconInvestor's funds at risk
  • checkbox iconPoorly managed platform
  • checkbox iconPoor loan performance

PLATFORM RISK SCORE

1.0/ 10- Very High Platform Risk

This score reflects platform-level risk based on performance data, transparency and identified red flags.

  • Portfolio Performance: 0% performing loans
  • Structural safeguards: Not regulated, no financial reports available
  • Operating history: More than 10 years
  • red flag iconRed flags: 1 substantial

News

Statistics

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Outstanding portfolio:€24.000,000
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Performing portfolio:€0
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Non-performing portfolio:€24.000,000
100%Defaulted
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Investors' earnings:

€ 1.635,911

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Loss of investors' money:

Not available

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Average portfolio size:

€ 6.000

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Year founded:

2016

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Number of investors:

10.161

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Latest financial report:

Not available

Portfolio Evaluation:

As of March 2026, 0% of Bulkestate’s portfolio is performing as expected, with 100% in recovery. Non-performing loans can impact your liquidity and returns on Bulkestate, as the platform must first recover the debt before you can withdraw or reinvest your funds.

Non-performing loans significantly increase the risk of capital loss. A default rate of 100% severely impacts most investors' portfolios. Compared to other platforms, a 100% default rate is exceptionally high, indicating a failure in Bulkestate’s risk management. New investors should consider better-performing alternatives.

We consider Bulkestate's statistical data to be semi-reliable. The platform either doesn't update its statistics regularly or provides incomplete data. Some information may be withheld to present a more favorable picture than the reality.

Disclaimer:

This statistical information has been sourced from the platform's website and we cannot independently verify its authenticity. Therefore, we recommend conducting your own research, staying updated on the company's latest developments, and reading our Bulkestate review to enhance your understanding of the platform. Be aware that geopolitical risks, regulations, and force majeure events may negatively impact your portfolio.

Potential Red Flags
  • info iconNo communication about the defaulted loan portfolio.
    Substantial

    Table of contents

Table of contents

Bulkestate Overview

Bulkestate is no longer funding new loans, and the current state of loan recoveries remains unknown. It is also unclear what the true value of the defaulted portfolio is; based on available indications, it could exceed €20 million – funds that investors will likely never recover. According to LinkedIn, CEO Igors Puntuss still appears to be active at Bulkestate.

author

Jakub Krejci

Founder

Fact

Checked

Jakub Krejci, the founder of P2P Empire, brings six years of expertise in navigating and investing across diverse P2P lending platforms. Drawing insights from over 50 interviews with industry CEOs and founders, Jakub offers a unique perspective in the peer-to-peer lending realm. Renowned for his high-quality reporting and regular updates, Jakub stands as a trusted authority for individuals navigating the dynamic P2P investment landscape.

Editorial Note: We earn a commission from partner links on P2P Empire. Commissions do not affect our editors' opinions or evaluations of products.

Disclaimer: Investing involves risk, and past performance does not guarantee future results. The content on this website is for informational purposes only and should not be considered investment advice. Market conditions and platform terms can change frequently. While we strive to keep our information accurate and up to date, we cannot guarantee its completeness or reliability at any given time. You are solely responsible for your investment decisions and for staying informed about any developments that may affect your portfolio. We do not accept any liability for actions taken based on the information provided here.

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COMPANY INFORMATION

  • Company:
  • Bulkestate OÜ
  • Legal Address:
  • Harju maakond, Tallinn, Kesklinna linnaosa, Toompuiestee 30, 10149, Estonia
  • Office Address:
  • Email:
  • info@bulkestate.com