Nothing to sell
Check before you believe
Someone promised you a return. We don't decide whether to trust them — we show what the promise means in numbers, and where to check whether they are allowed to make it at all.
Promises people actually hear
Annual equivalent
791.6%
Compounded, actual
As it is usually presented (× 12)
240%
The gap is 551.6 percentage points. Compounding is not a detail — it is the whole difference between the promise and what the promise claims.
After 3 years
708,802€
709 times the amount put in
The same rate applied for 3 years in a row to 1,000 €. Compounding makes no exceptions.
Logarithmic scale
The scale is logarithmic — at this kind of growth a linear chart would make the early years invisible.
| Year | Amount (€) | × the amount put in |
|---|---|---|
| 0 | 1,000 | 1 |
| 1 | 8,916 | 9 |
| 2 | 79,497 | 79 |
| 3 | 708,802 | 709 |
Historical reference points
- Term depositslong-run reference for Bulgaria2%395.8× the reference
- Inflationlong-run reference, annual average3%263.9× the reference
- Broad global indexeshistorical average over decades, nominal7%113.1× the reference
Long-run historical averages — not a forecast and not a promise. The past does not repeat on schedule, and an average says nothing about the path to it. These are the same values Selurio's calculators use.
What the arithmetic shows
- 791.6% a year is 113.1 times the long-run historical average of broad indexes (7%). A rate above 100% a year, sustained for long, does not appear in the historical series of any broad asset class.
- At this rate the amount doubles in 0.3 years.
- Sustained for 10 years, this rate multiplies the amount put in 3.2 billion times.
- Historical averages say nothing about the path: every long-run average contains years of decline as well.
The next step
Arithmetic cannot tell you whether a particular offer is legitimate. That is checked in the official public registers — whether the person offering you the service is allowed to offer it.
This tool is educational. It shows arithmetic and objective signs; it does not assess any particular offer, person or company, and it is not investment advice. For a personal assessment, seek an adviser licensed by the Bulgarian Financial Supervision Commission (FSC).
Signs
What you see in the offer
Tick what is actually there. The list does not assess your particular offer — it only counts how many of the listed signs you have come across.
Why it is a sign: Investment returns depend on the market and as a rule cannot be guaranteed. In the EU bank deposits are guaranteed — up to €100,000 per depositor per bank — but an investment result is not.
Why it is a sign: A short deadline, a "last chance", a call that wants an answer today. Pressure removes exactly the time a check would take — and a register lookup takes minutes and can be done at any point.
Why it is a sign: When part of the income depends on how many newcomers you bring, what is being paid out comes from the newcomers' contributions rather than from any activity.
Why it is a sign: No contract, no terms, no prospectus, no written confirmation of who the other party is. Without a document there is later nothing to present.
Why it is a sign: Licensed firms are listed in the public registers of the FSC and the Bulgarian National Bank. Absence from the register is a verifiable fact, not a guess.
Why it is a sign: An invitation, a closed group, a limited circle. Exclusivity reduces the number of people who could compare terms with one another and notice a difference.
Why it is a sign: A transfer to a personal wallet goes through no intermediary and no guarantee scheme, and as a rule cannot be reversed — there is nobody to stop it or send it back.
Why it is a sign: A withdrawal fee, a minimum term, a "technical problem", or a request for a new deposit before the previous one is released. Being able to leave is part of the terms, not a favour.
Ticked: 0 of 8
You have not ticked any of the listed signs. That is not a conclusion about the offer itself — the list covers only these 8 signs.
Official registers
Where to check
Public registers kept by the institutions themselves. Checking is free, needs no account and takes minutes.
- FSC — Investment intermediariesFirms licensed to provide investment services in Bulgaria.opens in a new tab
- FSC — Warnings to consumersPublished lists of persons and websites offering investment services without the right to do so.opens in a new tab
- FSC — How to identify a licensed intermediaryThe check itself, step by step: what to ask and what to look for.opens in a new tab
- FSC — Insurance brokersBrokers allowed to intermediate in arranging insurance.opens in a new tab
- FSC — Pension supervisionLists of supervised entities in the second and third pension pillar.opens in a new tab
- FSC — Crypto-asset service providersRegister of licensed crypto-asset service providers.opens in a new tab
- BNB — Payment services registersLicensed payment institutions and electronic money institutions.opens in a new tab
- Commercial Register — Current statusWho is behind a company: company number, seat, directors, shareholders.opens in a new tab
Links verified on 01.10.2026. The registers are published in Bulgarian. The registers are maintained by the respective institutions. Selurio only points to them — it neither stores nor updates them.