Last Update:
13/02/2026
€135,519.35
Total portfolio amount
FAQ About The Portfolio
What is IRR?
IRR represents the internal return rate, a discount rate that makes the net present value (NPV) of all cash flows equal to zero in a discounted cash flow analysis. In short, it helps calculate the portfolio's profitability over a specific period. This rate also considers cash drag, periodic changes in the interest rate, and delayed loan repayments. The IRR shown in our portfolio has been calculated monthly for the past 12 months.
What's the difference between Active, Testing and Exiting?
The active portfolio signifies where most of its profits are reinvested. On the other hand, testing portfolios refer to those where no additional investments are made. When the portfolio is labeled as "Exiting," that implies the withdrawal of all funds is ongoing.
Why does the investment period matter?
In order to gain a comprehensive understanding of any platform, it is important for investors to invest over time and gather experience in both prosperous and turbulent economic cycles.
Should I just copy your portfolio?
We never recommend blindly following any investment strategy. Our risk appetite might differ from yours. Always do your research before deciding to invest money in P2P loans.
Latest Portfolio Update
Stay informed about the latest updates regarding our P2P lending portfolio to find out which platform is performing well and which isn’t.
Read The Latest News
Keeping up with the latest news regarding your platform is essential for maintaining a profitable portfolio.
19. February 2026Afranga Launches SaveSmart with Up to 12% Fixed Returns
Afranga has introduced SaveSmart, a fixed-term investment product offering 8% (3 months), 10% (6 months), and 12% (12 months). Interest is paid monthly; principal returns at maturity, with optional auto-reinvestment. Investments are private loans to originator Stikcredit and are not deposit-protected. No early withdrawals are available, and maturity may extend by up to one month. The product operates under the ECSP framework with KIIS provided.
19. February 2026Afranga Launches SaveSmart with Up to 12% Fixed Returns
Afranga has introduced SaveSmart, a fixed-term investment product offering 8% (3 months), 10% (6 months), and 12% (12 months). Interest is paid monthly; principal returns at maturity, with optional auto-reinvestment. Investments are private loans to originator Stikcredit and are not deposit-protected. No early withdrawals are available, and maturity may extend by up to one month. The product operates under the ECSP framework with KIIS provided.
17. February 2026EstateGuru: €22.3M Recovered, €130M+ Still Non-Performing
EstateGuru recovered €14.8M in 2024 and €7.5M in 2025, while non-performing loans exceed €130M. The platform spent €1.7M in 2025 on legal and enforcement actions. Recovery expenses are effectively borne by investors, as costs are deducted before payouts. Prolonged defaults increase maintenance costs — including legal fees, insurance, land taxes, ground lease, and HOA charges — further reducing net recoveries.
14. February 2026February P2P update: Mintos fundraising, EstateGuru losses, and key platform risks
Mintos is raising more capital, EstateGuru recoveries remain weak, and PeerBerry continues to deliver stable performance. In our latest monthly update, we break down the key numbers, risks, and platform developments that matter for investors. If you want a clear, data-driven overview of what changed across major P2P platforms this month, read the full post in our Academy.
