Posted by 98% of my investments on Nectaro are allocated to the Romanian loan originator ECOFINANCE IFN S.A., which, according to my own analysis, has the strongest financial stability on the marketplace (Score: 86 out of 100) and also ranks among the top 10 loan originators across all P2P platforms.
How does this assessment change in light of the latest 2025 financial statements?
In short: Not much. The company reported profit growth for the fifth consecutive year (EUR 3.58 million in 2025), while most other key metrics remained broadly in line with the previous year. The only notable change is that loan portfolio impairments increased from 9.8% to 11.7%, resulting in a slight reduction of the overall score to 82 points.
Important: As in the previous year, the financial statements were audited by FORVIS MAZARS, a top-10 global audit firm, and prepared in accordance with IFRS standards. The figures therefore carry a reasonable degree of credibility.
As part of Nectaro’s current “Summer Splash” campaign (up to 4% cashback; running until June 15), I invested an additional EUR 5,000 with the Romanian loan originator. As a result, the total value of my Nectaro investment has now increased to just under EUR 20,000.