Risk related to financial instruments

  1. Counterparty risk: The counterparty risk should be considered as a probability that issuer of financial instruments may become insolvent, bankrupt, its activities may be suspended or terminated and the result may be that it will be impossible to perform rights arising from acquired financial instruments.
  2. Liquidity risk: When purchasing financial instruments, holders of financial instruments take on the risk of liquidity, i.e. financial instruments holders can suffer losses by not being able to sell their existing financial instruments for a while or will be forced to sell them at unfavorable prices if and when financial instruments will become tradable on secondary market.
  3. Market risk: The situation on financial markets may affect the value of financial instruments. There is a risk that the value of issued financial instruments may fall.
  4. Inflation risk: It is a risk that in case of inflation, the depreciation of money may be higher than the yield on financial instruments.
  5. Legal risk: It is the potential risk of losses arising from the occurrence of amendments to laws, regulations and legal acts; the risk arising from the implementation of new legislation that may result in additional costs or a reduction in return on investment; this risk includes possible changes in the applicable tax assessment and changes in tax-based procedures. This may negatively affect results of the issuer of financial instruments.

Risks related to issuer of financial instruments

  1. Credit risk: This is a potential loss that may arise due to the failure of UAB DESICO to fulfil its contractual obligations or improper fulfilment of them due to failure in UAB DESICO (and/or DESICO group companies) business or other factors.
  2. Liquidity risk: It is a risk to incur losses or higher costs due to the fact that the UAB DESICO (and/or DESICO group companies) cannot timely fulfil its payment obligations.
  3. Competition risk: Potential loss may result from improper response to competitors' actions and environmental changes.
  4. Operational risk: Risk to suffer losses due to inadequate or unenforced internal control processes of issuers employee errors and unlawful actions, technical and software malfunctions.
  5. Strategic risk: It is the risk arising from external and internal environmental factors that could negatively influence the achievement of the goals of the issuer, the consistency and continuity of operations.
  6. Income risk: These are the risks arising from inefficient management and the inability to ensure a sufficient long-term income of the issuer.
  7. Reputational risk: It is a risk that could adversely affect issuers income due to an unfavorable opinion about issuer's reputation that may arise from counterparties, investors.

Investments made through the crowdfunding platform as well as other investments in to financial instruments involve risk undertaking. Therefore, before you start investing in financial instruments, you must properly assess your financial position of your family or business, investment experience and knowledge, and the risks associated with investing. If you think you do not understand the potential risks associated with the financial transaction you are making, consider contacting specialists.

Investments made via crowdfunding platform do not fall under the protection of Law On Deposits and Liabilities for The Investors of the Republic of Lithuania. Also there is no guarantee that an issuer of the financial instruments will meet its financial obligations. This is why investors who are investing through crowdfunding platforms take all of the risks which are involved with their investment decisions. Therefore you may incur full or partial loss of the invested amount.

UAB "Finansu bite verslui" does not take the responsibility for any losses that investors may have, but seeks to ensure the safety of the invested funds and the return on investment in every possible way.

You can download statistics here (updated monthly)