{"id":29359,"date":"2025-03-26T06:00:27","date_gmt":"2025-03-26T05:00:27","guid":{"rendered":"https:\/\/rethink-p2p.de\/prestamista-resumen-y-comparacion\/"},"modified":"2026-03-26T12:05:38","modified_gmt":"2026-03-26T11:05:38","slug":"prestamista","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/es\/prestamista\/","title":{"rendered":"Prestamista: Resumen y Comparaci\u00f3n"},"content":{"rendered":"<p>En muchas plataformas P2P, los inversores tienen la opci\u00f3n de elegir entre una variedad de prestamistas diferentes. La experiencia pasada ha demostrado repetidamente que la calidad a menudo es m\u00e1s importante que la cantidad.<\/p>\n<p>Entonces, \u00bfc\u00f3mo se puede identificar a los mejores prestamistas?<\/p>\n<p>Se deben considerar varios factores, que van desde la estabilidad financiera hasta los riesgos espec\u00edficos del pa\u00eds, la calidad de la cartera y las posibles promesas de garant\u00eda.<\/p>\n<p>Dado que la evaluaci\u00f3n financiera es uno de los factores m\u00e1s importantes en el an\u00e1lisis de los prestamistas, esta p\u00e1gina ofrece un resumen en el que los prestamistas se eval\u00faan con respecto a los est\u00e1ndares de informaci\u00f3n, beneficios, rentabilidad sobre los activos, ratio de capital, deuda, liquidez y, en algunos casos, la calidad de la cartera.<\/p>\n<p><strong>Aviso legal:<\/strong> El resumen y la evaluaci\u00f3n de los resultados financieros publicados se han realizado seg\u00fan el mejor conocimiento y criterio del autor. Sin embargo, no se pueden descartar errores aislados. Por lo tanto, los inversores tambi\u00e9n deben examinar los n\u00fameros e informaci\u00f3n de manera independiente. Adem\u00e1s, los ratios financieros de forma aislada no son una medida suficiente para juzgar el \u00e9xito o fracaso de un prestamista.<\/p>\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Descargo de Responsabilidad<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Enlaces de Afiliados \/ Conflictos de Inter\u00e9s<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Descargo de Responsabilidad&lt;\/strong&gt;\">Las inversiones en pr\u00e9stamos P2P implican riesgos y pueden resultar en la p\u00e9rdida total del capital invertido. Los resultados pasados no son un indicador fiable de resultados futuros. El contenido siguiente se proporciona \u00fanicamente con fines informativos y no constituye asesoramiento de inversi\u00f3n. A pesar de una investigaci\u00f3n cuidadosa, no se ofrece ninguna garant\u00eda sobre la exactitud, integridad o actualidad de la informaci\u00f3n proporcionada. No se acepta ninguna responsabilidad por p\u00e9rdidas financieras o decisiones de inversi\u00f3n tomadas sobre la base de la informaci\u00f3n aqu\u00ed presentada. Para m\u00e1s detalles, consulte el <a href=\"https:\/\/rethink-p2p.de\/es\/descargo-de-responsabilidad\/\" target=\"_blank\" rel=\"noopener\"><strong>descargo de responsabilidad<\/strong><\/a> completo.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Enlaces de Afiliados \/ Conflictos de Inter\u00e9s&lt;\/strong&gt;\">Este art\u00edculo contiene enlaces de afiliado. Si se realiza un registro y\/o una inversi\u00f3n a trav\u00e9s de uno de estos enlaces, el operador puede recibir una comisi\u00f3n. Esta compensaci\u00f3n no tiene ninguna influencia en la opini\u00f3n o evaluaci\u00f3n de la plataforma correspondiente. La transparencia sobre las inversiones personales y posibles conflictos de inter\u00e9s puede consultarse en la p\u00e1gina \u201c<a href=\"https:\/\/rethink-p2p.de\/es\/cartera-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>Cartera P2P<\/strong><\/a>\u201d.<\/div><\/div><\/div>\n<p><em>\u00daltima actualizaci\u00f3n: 16.02.2026 (Jet Finance)<\/em><\/p>\n<p><iframe loading=\"lazy\" title=\"How to find the best P2P Loan Originators (Lender Comparison)\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/mxHXmgNs4u4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Tabla de contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Criterios_y_Escala_de_Evaluacion\" title=\"Criterios y Escala de Evaluaci\u00f3n\">Criterios y Escala de Evaluaci\u00f3n<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Estandar_de_Informacion\" title=\"Est\u00e1ndar de Informaci\u00f3n\">Est\u00e1ndar de Informaci\u00f3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Rentabilidad\" title=\"Rentabilidad\">Rentabilidad<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Rentabilidad_sobre_los_Activos\" title=\"Rentabilidad sobre los Activos\">Rentabilidad sobre los Activos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Ratio_de_Capital\" title=\"Ratio de Capital\">Ratio de Capital<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Ratio_de_Endeudamiento\" title=\"Ratio de Endeudamiento\">Ratio de Endeudamiento<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Liquidez\" title=\"Liquidez\">Liquidez<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Deterioros\" title=\"Deterioros\">Deterioros<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Puntuacion_Total\" title=\"Puntuaci\u00f3n Total\">Puntuaci\u00f3n Total<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Afranga\" title=\"Afranga\">Afranga<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Bondora\" title=\"Bondora\">Bondora<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Debitum\" title=\"Debitum\">Debitum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Esketit\" title=\"Esketit\">Esketit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Income_Marketplace\" title=\"Income Marketplace\">Income Marketplace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Lendermarket\" title=\"Lendermarket\">Lendermarket<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Mintos\" title=\"Mintos\">Mintos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Monefit_SmartSaver\" title=\"Monefit SmartSaver\">Monefit SmartSaver<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Nectaro\" title=\"Nectaro\">Nectaro<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#PeerBerry\" title=\"PeerBerry\">PeerBerry<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Robocash\" title=\"Robocash\">Robocash<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Swaper\" title=\"Swaper\">Swaper<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Twino\" title=\"Twino\">Twino<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/rethink-p2p.de\/es\/prestamista\/#Viainvest\" title=\"Viainvest\">Viainvest<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Criterios_y_Escala_de_Evaluacion\"><\/span>Criterios y Escala de Evaluaci\u00f3n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A continuaci\u00f3n se presenta una visi\u00f3n general de los criterios utilizados para evaluar la estabilidad financiera, incluida su interpretaci\u00f3n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Estandar_de_Informacion\"><\/span>Est\u00e1ndar de Informaci\u00f3n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Significado:<\/strong> No todos los prestamistas publican estados financieros auditados. Un informe auditado seg\u00fan un est\u00e1ndar reconocido internacionalmente (por ejemplo, IFRS) genera confianza y reduce el riesgo de que las cifras est\u00e9n manipuladas o sean incompletas.<\/p>\n<p><strong>C\u00e1lculo:<\/strong> No se trata de un valor num\u00e9rico, sino de una calificaci\u00f3n cualitativa. Esto considera dos factores: primero, \u00bfexiste un estado financiero auditado por una firma de auditor\u00eda reconocida? Segundo, \u00bfseg\u00fan qu\u00e9 est\u00e1ndar de informaci\u00f3n (IFRS, GAAP local, no auditado) se prepar\u00f3 el informe?<\/p>\n<p><strong>Escala:<\/strong><\/p>\n<ul>\n<li><strong>Fuerte (1):<\/strong> Auditado seg\u00fan IFRS por una firma Big Four (PwC, EY, Deloitte, KPMG)<\/li>\n<li><strong>Estable (2):<\/strong> Auditado seg\u00fan IFRS por una firma de auditor\u00eda m\u00e1s peque\u00f1a<\/li>\n<li><strong>Medio (3):<\/strong> Auditado seg\u00fan GAAP local (no IFRS), auditor confiable<\/li>\n<li><strong>Riesgoso (4):<\/strong> Auditor\u00eda por una firma desconocida<\/li>\n<li><strong>Cr\u00edtico (5):<\/strong> Sin auditor\u00eda, solo informe de gesti\u00f3n o cifras no auditadas<\/li>\n<\/ul>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Rentabilidad\"><\/span>Rentabilidad<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Significado:<\/strong> La rentabilidad indica si el modelo de negocio es sostenible. Las p\u00e9rdidas persistentes pueden ser una clara se\u00f1al de advertencia para los inversores, ya que debilitan la base de capital y aumentan el riesgo de insolvencia.<\/p>\n<p><strong>C\u00e1lculo:<\/strong> Beneficio neto seg\u00fan el estado de resultados (cuenta de p\u00e9rdidas y ganancias).<\/p>\n<p><strong>Escala:<\/strong><\/p>\n<ul>\n<li><strong>Fuerte (1):<\/strong> Beneficios sostenibles durante varios a\u00f1os<\/li>\n<li><strong>Estable (2):<\/strong> Mayormente beneficios, aunque pueden existir peque\u00f1as fluctuaciones<\/li>\n<li><strong>Medio (3):<\/strong> Beneficios bajos y altamente fluctuantes<\/li>\n<li><strong>Riesgoso (4):<\/strong> M\u00e1s p\u00e9rdidas que beneficios en los \u00faltimos a\u00f1os<\/li>\n<li><strong>Cr\u00edtico (5):<\/strong> P\u00e9rdidas significativas y persistentes<\/li>\n<\/ul>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Rentabilidad_sobre_los_Activos\"><\/span>Rentabilidad sobre los Activos<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Significado:<\/strong> La rentabilidad sobre los activos (ROA) es un indicador clave de rentabilidad. Indica qu\u00e9 tan eficientemente una empresa utiliza sus activos totales para generar beneficios.<\/p>\n<p><strong>C\u00e1lculo:<\/strong> Beneficio neto \/ Activos totales<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Return-on-Assets.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29309 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Return-on-Assets.png\" alt=\"\" width=\"750\" height=\"112\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Return-on-Assets.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Return-on-Assets-300x45.png 300w\" data-sizes=\"(max-width: 750px) 100vw, 750px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 750px; --smush-placeholder-aspect-ratio: 750\/112;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29309 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Return-on-Assets.png\" alt=\"\" width=\"750\" height=\"112\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Return-on-Assets.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Return-on-Assets-300x45.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/noscript><\/a><\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Ratio_de_Capital\"><\/span>Ratio de Capital<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Significado:<\/strong> El ratio de capital es un indicador de la estabilidad financiera y la solidez de una empresa.<\/p>\n<p><strong>C\u00e1lculo:<\/strong> Capital \/ Activos totales<\/p>\n<p><strong><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Equity-Ratio.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29313 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Equity-Ratio.png\" alt=\"\" width=\"750\" height=\"112\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Equity-Ratio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Equity-Ratio-300x45.png 300w\" data-sizes=\"(max-width: 750px) 100vw, 750px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 750px; --smush-placeholder-aspect-ratio: 750\/112;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29313 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Equity-Ratio.png\" alt=\"\" width=\"750\" height=\"112\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Equity-Ratio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Equity-Ratio-300x45.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/noscript><\/a><\/strong><\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Ratio_de_Endeudamiento\"><\/span>Ratio de Endeudamiento<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Significado:<\/strong> El ratio de endeudamiento mide la dependencia de una empresa de la financiaci\u00f3n externa. Cuanto mayor sea la deuda, m\u00e1s apalancada est\u00e1 la empresa, lo que representa un riesgo para los inversores.<\/p>\n<p><strong>C\u00e1lculo:<\/strong> Deuda \/ Capital<\/p>\n<p><strong><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Debt-Ratio.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29317 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Debt-Ratio.png\" alt=\"\" width=\"750\" height=\"112\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Debt-Ratio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Debt-Ratio-300x45.png 300w\" data-sizes=\"(max-width: 750px) 100vw, 750px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 750px; --smush-placeholder-aspect-ratio: 750\/112;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29317 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Debt-Ratio.png\" alt=\"\" width=\"750\" height=\"112\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Debt-Ratio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Debt-Ratio-300x45.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/noscript><\/a><\/strong><\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Liquidez\"><\/span>Liquidez<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Significado:<\/strong> El ratio de liquidez indica si una empresa puede cubrir sus pasivos a corto plazo con efectivo y cuentas por cobrar a corto plazo.<\/p>\n<p><strong>C\u00e1lculo:<\/strong> (Efectivo + Cuentas por cobrar a corto plazo) \/ Pasivos a corto plazo<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Liquidity-Ratio.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29321 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Liquidity-Ratio.png\" alt=\"\" width=\"750\" height=\"112\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Liquidity-Ratio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Liquidity-Ratio-300x45.png 300w\" data-sizes=\"(max-width: 750px) 100vw, 750px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 750px; --smush-placeholder-aspect-ratio: 750\/112;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29321 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Liquidity-Ratio.png\" alt=\"\" width=\"750\" height=\"112\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Liquidity-Ratio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Liquidity-Ratio-300x45.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/noscript><\/a><\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Deterioros\"><\/span>Deterioros<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Significado:<\/strong> Los deterioros indican la proporci\u00f3n de pr\u00e9stamos financiados que ya han sido clasificados como riesgosos o incobrables. Un valor bajo se\u00f1ala buena calidad crediticia y una gesti\u00f3n de riesgos prudente. Un valor alto significa que una mayor parte de la cartera de pr\u00e9stamos probablemente entrar\u00e1 en impago y ser\u00e1 dif\u00edcil de recuperar.<\/p>\n<p><strong>C\u00e1lculo:<\/strong> Deterioros \/ Cartera de pr\u00e9stamos (bruta)<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Impairments-Loan-Portfolio.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29325 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Impairments-Loan-Portfolio.png\" alt=\"\" width=\"750\" height=\"112\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Impairments-Loan-Portfolio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Impairments-Loan-Portfolio-300x45.png 300w\" data-sizes=\"(max-width: 750px) 100vw, 750px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 750px; --smush-placeholder-aspect-ratio: 750\/112;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-29325 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Impairments-Loan-Portfolio.png\" alt=\"\" width=\"750\" height=\"112\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Impairments-Loan-Portfolio.png 750w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/09\/Loan-Originator-Lender-Risk-P2P-Impairments-Loan-Portfolio-300x45.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/noscript><\/a><\/p>\n<hr \/>\n<h3 data-start=\"13\" data-end=\"29\"><span class=\"ez-toc-section\" id=\"Puntuacion_Total\"><\/span>Puntuaci\u00f3n Total<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"31\" data-end=\"198\"><strong>Significado:<\/strong> La puntuaci\u00f3n global de re:think P2P consolida todos los indicadores financieros disponibles y la informaci\u00f3n cualitativa en un \u00fanico indicador de riesgo.<\/p>\n<p data-start=\"200\" data-end=\"398\"><strong>C\u00e1lculo:<\/strong> Se crean cinco criterios de evaluaci\u00f3n basados en las siete m\u00e9tricas analizadas. Cada criterio tiene un peso diferente. Al final, se puede alcanzar una puntuaci\u00f3n total de hasta 100 puntos.<\/p>\n<ul>\n<li data-start=\"400\" data-end=\"970\"><strong>Est\u00e1ndar de Reporte (20%):<\/strong> Criterio cualitativo. Estado de auditor\u00eda y calidad del auditor.<\/li>\n<li data-start=\"400\" data-end=\"970\"><strong>Rentabilidad (20%):<\/strong> Compuesta por beneficio (40%; 8% de la puntuaci\u00f3n total) y rentabilidad sobre activos (ROA) (60%; 12% de la puntuaci\u00f3n total).<\/li>\n<li data-start=\"400\" data-end=\"970\"><strong>Estructura de Capital \/ Solvencia (25%):<\/strong> Compuesta por ratio de capital (60%; 15% de la puntuaci\u00f3n total) y ratio de endeudamiento (40%; 10% de la puntuaci\u00f3n total).<\/li>\n<li data-start=\"400\" data-end=\"970\"><strong>Liquidez (15%):<\/strong> Ratio de liquidez. Capacidad de pago a corto plazo.<\/li>\n<li data-start=\"400\" data-end=\"970\"><strong>Calidad de la Cartera \/ Deterioros (20%):<\/strong> Riesgo principal de las operaciones de cr\u00e9dito.<\/li>\n<\/ul>\n<p data-start=\"972\" data-end=\"1306\"><strong>Tratamiento de datos faltantes<\/strong>: Si falta un subcriterio, su ponderaci\u00f3n se redistribuye proporcionalmente entre las categor\u00edas restantes del mismo grupo. Ejemplo: si no hay datos sobre la rentabilidad sobre activos (ROA) porque solo existe un a\u00f1o de informaci\u00f3n, el 20% asignado a la rentabilidad se asigna completamente al beneficio.<\/p>\n<p data-start=\"1308\" data-end=\"1621\">La transparencia es un elemento clave de una gesti\u00f3n financiera s\u00f3lida. Por lo tanto, si un originador no revela ciertas cifras clave, esto se considera un riesgo aumentado y resulta en 0 puntos. Esto se aplica especialmente a la falta de divulgaci\u00f3n del ratio de liquidez y la calidad de la cartera (deterioros).<\/p>\n<p data-start=\"1308\" data-end=\"1621\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29841 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score.png\" alt=\"\" width=\"833\" height=\"125\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score.png 833w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score-300x45.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score-768x115.png 768w\" data-sizes=\"(max-width: 833px) 100vw, 833px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 833px; --smush-placeholder-aspect-ratio: 833\/125;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29841\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score.png\" alt=\"\" width=\"833\" height=\"125\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score.png 833w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score-300x45.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Loan-Originator-Lender-Risk-P2P-Total-Score-768x115.png 768w\" sizes=\"(max-width: 833px) 100vw, 833px\" \/><\/noscript><\/a><\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Afranga\"><\/span>Afranga<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/afranga-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-28204 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Afranga-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-28204 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Afranga-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Durante a\u00f1os, Afranga se ha utilizado como fuente de financiaci\u00f3n para las operaciones de pr\u00e9stamos del Stik Credit Group. En los \u00faltimos a\u00f1os, esto permiti\u00f3 a los inversores obtener de manera fiable rendimientos superiores a la media de hasta un 16 %.<\/p>\n<p>Con su licencia como proveedor europeo de servicios de crowdfunding, Afranga comenz\u00f3 su transformaci\u00f3n en un mercado P2P regulado a principios de 2025. Esto abre oportunidades adicionales de diversificaci\u00f3n para los inversores. A continuaci\u00f3n, se presenta una tabla con los prestamistas actualmente disponibles.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/afranga-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Afranga<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-afranga\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 0,5 % de reembolso durante 90 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Credirect<\/td>\n<td><strong><a href=\"https:\/\/afranga.com\/personal-doc-originator\/1003\/personalDoc_1003_1753273977_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"risiko\">&#8220;TRANSIKA&#8221; LTD.<\/td>\n<td class=\"stabil\">EUR 2,24M<\/td>\n<td class=\"stark\">35,7%<\/td>\n<td class=\"stark\">47,5%<\/td>\n<td class=\"stabil\">1,11<\/td>\n<td class=\"stark\">7,97<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">64<\/td>\n<\/tr>\n<tr>\n<td>Lendivo<\/td>\n<td><a href=\"https:\/\/afranga.com\/personal-doc-originator\/1001\/personalDoc_1001_1748244200_1.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 8K<\/td>\n<td><\/td>\n<td class=\"stabil\">24,8%<\/td>\n<td class=\"mittel\">3,03<\/td>\n<td><\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">34<\/td>\n<\/tr>\n<tr>\n<td>Lev Credit<\/td>\n<td><strong><a href=\"https:\/\/afranga.com\/personal-doc-originator\/1004\/personalDoc_1004_1760950521_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"risiko\">Expert Consult<\/td>\n<td class=\"stabil\">BGN 201K<\/td>\n<td class=\"stark\">13,9%<\/td>\n<td class=\"stark\">95,6%<\/td>\n<td class=\"stark\">0,05<\/td>\n<td class=\"stark\">22,69<\/td>\n<td class=\"kritisch\">29,4%<\/td>\n<td class=\"stabil\">70,4<\/td>\n<\/tr>\n<tr>\n<td>Stik-Credit<\/td>\n<td><strong><a href=\"https:\/\/afranga.com\/personal-doc-originator\/1000\/personalDoc_1000_1750661757_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">ZAHARINOVA NEXIA<\/td>\n<td class=\"stark\">EUR 3,48M<\/td>\n<td class=\"stark\">13,9%<\/td>\n<td class=\"stark\">54%<\/td>\n<td class=\"stark\">0,85<\/td>\n<td class=\"stabil\">1,62<\/td>\n<td class=\"kritisch\">22%<\/td>\n<td class=\"stabil\">77<\/td>\n<\/tr>\n<tr>\n<td>Swiss Funds<\/td>\n<td><strong><a href=\"https:\/\/afranga.com\/personal-doc-originator\/1002\/personalDoc_1002_1751381650_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 37K<\/td>\n<td class=\"mittel\">2,6%<\/td>\n<td class=\"stark\">38,4%<\/td>\n<td class=\"stabil\">1,60<\/td>\n<td class=\"stark\">2,13<\/td>\n<td class=\"\"><\/td>\n<td class=\"risiko\">54<\/td>\n<\/tr>\n<tr>\n<td>Tiberus<\/td>\n<td><strong><a href=\"https:\/\/afranga.com\/personal-doc-originator\/1005\/personalDoc_1005_1765369446_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"risiko\">BGN (86K)<\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Bondora\"><\/span>Bondora<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/bondora-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10285 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/Bondora-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10285 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/Bondora-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Bondora es una de las plataformas P2P m\u00e1s grandes y experimentadas de Europa, por lo que la fintech estonia goza de un estatus especial entre muchos inversores. Con <a href=\"https:\/\/rethink-p2p.de\/es\/bondora-go-and-grow-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a>, la plataforma tambi\u00e9n ofrece uno de los productos de inversi\u00f3n m\u00e1s populares en el \u00e1mbito del P2P, que desde su lanzamiento en 2018 ha marcado nuevos est\u00e1ndares en cuanto a simplicidad, liquidez y fiabilidad.<\/p>\n<p>La larga experiencia, combinada con s\u00f3lidos indicadores financieros, convierte a Bondora en un punto de entrada ideal para nuevos inversores que quieran obtener su primera experiencia en el mercado P2P de manera r\u00e1pida y sencilla.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/bondora-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Bondora<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de mi enlace de socio recibir\u00e1n un <a href=\"https:\/\/bit.ly\/rethinkp2p-es-bondora\" target=\"_blank\" rel=\"noopener\"><strong>bono de 5 \u20ac<\/strong><\/a>.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Bondora Group<\/td>\n<td><strong><a href=\"https:\/\/help.bondora.com\/hc\/en-us\/article_attachments\/25898471904914\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stark\">KPMG<\/td>\n<td class=\"stark\">EUR 1,22M<\/td>\n<td class=\"stabil\">4,5%<\/td>\n<td class=\"stark\">71,3%<\/td>\n<td class=\"stark\">0,4<\/td>\n<td class=\"stark\">3,45<\/td>\n<td class=\"stabil\">3,3%<\/td>\n<td class=\"stark\">94<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Debitum\"><\/span>Debitum<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/debitum-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-26080 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Debitum-Investments-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-26080 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Debitum-Investments-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Debitum Investments se destaca en el mercado P2P por su posicionamiento \u00fanico: es una plataforma regulada, que opera con un modelo de mercado y ofrece pr\u00e9stamos comerciales con garant\u00eda de recompra. Una combinaci\u00f3n que no se encuentra en ninguna otra plataforma P2P.<\/p>\n<p>Desde el cambio de propiedad en agosto de 2023, Debitum ha incorporado muchos nuevos prestamistas a su mercado, mejorando significativamente la oferta disponible para los inversores. La siguiente tabla muestra la situaci\u00f3n financiera de los prestamistas representados en el mercado let\u00f3n.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/debitum-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Debitum<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-debitum\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 1 % de reembolso durante 30 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Baltic Terra<\/td>\n<td><a href=\"https:\/\/balticterra.eu\/wp-content\/uploads\/2025\/11\/financial-statement-31.10.-BTC-ENG.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2025<\/strong><\/a><\/td>\n<td class=\"risiko\">S. Vilc\u0101nes Audits<\/td>\n<td class=\"mittel\">EUR 265K<\/td>\n<td class=\"stark\">91,9%<\/td>\n<td class=\"stark\">98,9%<\/td>\n<td class=\"stark\">0,01<\/td>\n<td class=\"stark\">84,02<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">65<\/td>\n<\/tr>\n<tr>\n<td>Evergreen<\/td>\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Evergreen.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 279K<\/td>\n<td class=\"stark\">9,2%<\/td>\n<td class=\"stabil\">24,7%<\/td>\n<td class=\"stark\">0,75<\/td>\n<td class=\"stark\">2,15<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">58<\/td>\n<\/tr>\n<tr>\n<td>Juno<\/td>\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Juno+AS.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 158K<\/td>\n<td class=\"mittel\">1,4%<\/td>\n<td class=\"risiko\">7,6%<\/td>\n<td class=\"stark\">0,92<\/td>\n<td class=\"risiko\">0,99<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">38<\/td>\n<\/tr>\n<tr>\n<td>LFDF<\/td>\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/ENG%20Annual%20Report%202024%20LMAF.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"risiko\">S. Vilc\u0101nes Audits<\/td>\n<td class=\"mittel\">EUR 70K<\/td>\n<td class=\"mittel\">1%<\/td>\n<td class=\"mittel\">15,9%<\/td>\n<td class=\"stark\">0,84<\/td>\n<td class=\"mittel\">1,19<\/td>\n<td class=\"\"><\/td>\n<td class=\"risiko\">48<\/td>\n<\/tr>\n<tr>\n<td>Sandbox<\/td>\n<td><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Sandbox+Funding.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"risiko\">Latimira un Partneri<\/td>\n<td class=\"mittel\">EUR 21K<\/td>\n<td class=\"risiko\">0,5%<\/td>\n<td class=\"risiko\">9,3%<\/td>\n<td class=\"stark\">0,91<\/td>\n<td class=\"mittel\">1,28<\/td>\n<td class=\"\"><\/td>\n<td class=\"risiko\">43<\/td>\n<\/tr>\n<tr>\n<td>Triple Dragon<\/td>\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Triple+Dragon.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 0<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"stark\">3,3<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">24<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Esketit\"><\/span>Esketit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/esketit-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10287 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/Esketit-Bonus-.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10287 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/Esketit-Bonus-.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Esketit es una plataforma P2P con sede en Irlanda, fundada en 2021 por dos experimentados emprendedores fintech. Una atractiva combinaci\u00f3n de prestamistas consolidados y tasas de inter\u00e9s competitivas proporcion\u00f3 una base s\u00f3lida en sus primeros a\u00f1os.<\/p>\n<p>Desde la salida de algunos prestamistas, incluyendo AvaFin Holding, Esketit se ha convertido en un centro para nuevas startups fintech sin un historial significativo. La visi\u00f3n general de prestamistas lista todas las alternativas actuales.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/esketit-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Esketit<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-esketit\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 0,5 % de reembolso durante 90 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>A24 Group<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Credus Capital<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Jet Finance<\/td>\n<td><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/aY3cmt0YXLCxVujV_IFRS2024FSMFOMOGOKZ_ENG.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">Grant Thornton<\/td>\n<td class=\"stabil\">EUR 1,18M<\/td>\n<td class=\"stabil\">4,3%<\/td>\n<td class=\"stabil\">20,6%<\/td>\n<td class=\"mittel\">3,86%<\/td>\n<td class=\"stark\">14,9<\/td>\n<td class=\"mittel\">7,6%<\/td>\n<td class=\"stabil\">77<\/td>\n<\/tr>\n<tr>\n<td>JMD Investments<\/td>\n<td><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/aR8OjWGnmrmGqExe_FS_JMD_2024-en-.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"mittel\">Baker Tilly<\/td>\n<td class=\"stark\">EUR 4,63M<\/td>\n<td class=\"stark\">32,2%<\/td>\n<td class=\"stark\">51,8%<\/td>\n<td class=\"stark\">0,93%<\/td>\n<td class=\"kritisch\">0,25<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">60<\/td>\n<\/tr>\n<tr>\n<td>MDI Finance<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Mojo Capital<\/td>\n<td><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/aIyq_aTt2nPbZpRo_MojoFinancialStatementFY2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"risiko\">(USD 98K)<\/td>\n<td><\/td>\n<td class=\"kritisch\">(5,7%)<\/td>\n<td class=\"kritisch\">(18%)<\/td>\n<td class=\"stark\">2,83<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">32<\/td>\n<\/tr>\n<tr>\n<td>Spanda Capital<\/td>\n<td><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/aJs_zqTt2nPbaOCM_2961-25Audit_Report_SPANDAFINANCEESPAN%CC%83A_SLU2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"risiko\">Cort\u00e9s y Asociados Auditores<\/td>\n<td class=\"mittel\">EUR 12K<\/td>\n<td class=\"risiko\">0,4%<\/td>\n<td class=\"kritisch\">0,2%<\/td>\n<td class=\"kritisch\">447<\/td>\n<td class=\"stabil\">1,74<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">35<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Income_Marketplace\"><\/span>Income Marketplace<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/income-marketplace-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11244 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11244 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Income Marketplace es un mercado P2P no regulado de Estonia, donde los inversores pueden invertir en pr\u00e9stamos con garant\u00eda de recompra desde 2021, obteniendo rendimientos de hasta un 15 %.<\/p>\n<p>El mercado ofrece una amplia variedad de perfiles de prestamistas, que var\u00edan seg\u00fan la geograf\u00eda, los plazos de los pr\u00e9stamos y los productos crediticios. Mi resumen proporciona una visi\u00f3n de la estabilidad financiera de cada prestamista.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/income-marketplace-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Income Marketplace<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-income\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 1 % de reembolso durante 30 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Autofino<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/10\/2024-Greiti-autosprendimai-FA-su-is%CC%8Cvada-paras%CC%8Cams-Rokas-Ignotas.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"mittel\">Crowe<\/td>\n<td class=\"mittel\">EUR 51K<\/td>\n<td class=\"mittel\">1,0%<\/td>\n<td class=\"stark\">52,7%<\/td>\n<td class=\"stark\">0,9%<\/td>\n<td class=\"risiko\">0,8<\/td>\n<td class=\"stabil\">3,5%<\/td>\n<td class=\"stabil\">71<\/td>\n<\/tr>\n<tr>\n<td>Current Auto (LT)<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2024\/10\/FAR-su-is%CC%8Cvada-2023-s0619.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2023<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"kritisch\">EUR (54K)<\/td>\n<td class=\"kritisch\">(0,7%)<\/td>\n<td class=\"kritisch\">(2,9%)<\/td>\n<td class=\"kritisch\">(35,0%)<\/td>\n<td class=\"kritisch\">163,8<\/td>\n<td class=\"risiko\">12,2%<\/td>\n<td class=\"kritisch\">24<\/td>\n<\/tr>\n<tr>\n<td>Current Auto (LV)<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/11\/2024_Current-SIA_LV.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"kritisch\">EUR (912K)<\/td>\n<td class=\"kritisch\">(19,4%)<\/td>\n<td class=\"kritisch\">(55,2%)<\/td>\n<td class=\"kritisch\">(2,8%)<\/td>\n<td class=\"mittel\">1,1<\/td>\n<td class=\"kritisch\">55,3%<\/td>\n<td class=\"kritisch\">26<\/td>\n<\/tr>\n<tr>\n<td>Danabijak<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2024\/05\/Final-Report-PT-DMI-2023-18042024-QC3-BOD-Opini.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2023<\/a><\/strong><\/td>\n<td class=\"stabil\">Kreston Indonesia<\/td>\n<td class=\"mittel\">EUR 15K<\/td>\n<td><\/td>\n<td class=\"stark\">72,9%<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"risiko\">43<\/td>\n<\/tr>\n<tr>\n<td>Danarupiah<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/01\/DanaRupiah-FS-Consolidated-2024-unaudited.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stark\">EUR 13,8M<\/td>\n<td class=\"stark\">30,9%<\/td>\n<td class=\"stark\">68,2%<\/td>\n<td class=\"stark\">0,5<\/td>\n<td class=\"stark\">3,1<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">64<\/td>\n<\/tr>\n<tr>\n<td>Hoovi<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/10\/Aruanne_16020217-8.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 661K<\/td>\n<td class=\"stark\">9,9%<\/td>\n<td class=\"mittel\">12,1%<\/td>\n<td class=\"risiko\">7,3<\/td>\n<td class=\"risiko\">0,6<\/td>\n<td class=\"stabil\">5,9%<\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<tr>\n<td>Ibancar<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/08\/Inf.-Auditori%CC%81a-y-CCAA-Abreviadas-Ibancar-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">BDO<\/td>\n<td class=\"stark\">EUR 463K<\/td>\n<td class=\"stabil\">3,4%<\/td>\n<td class=\"risiko\">9,9%<\/td>\n<td class=\"risiko\">9,1<\/td>\n<td class=\"stabil\">1,9<\/td>\n<td class=\"mittel\">6,4%<\/td>\n<td class=\"stabil\">72<\/td>\n<\/tr>\n<tr>\n<td>ITF Group<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/05\/ITF-Group-audited-consolidated-FS_2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">ECOVIS<\/td>\n<td class=\"stark\">EUR 1,8M<\/td>\n<td class=\"stark\">11%<\/td>\n<td class=\"stark\">34,3%<\/td>\n<td class=\"stabil\">1,9<\/td>\n<td class=\"stark\">2,2<\/td>\n<td class=\"\"><\/td>\n<td class=\"stabil\">74<\/td>\n<\/tr>\n<tr>\n<td>Mocasa<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/03\/Mocasa-Financial-Statement_2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"kritisch\">PHP (11,5M)<\/td>\n<td class=\"kritisch\">(7,9%)<\/td>\n<td class=\"stark\">42,8%<\/td>\n<td class=\"stabil\">1,3<\/td>\n<td class=\"stabil\">1,7<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">39<\/td>\n<\/tr>\n<tr>\n<td>Sandfield Capital<\/td>\n<td><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<\/tr>\n<tr>\n<td>Simpleros<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/08\/20250725_Simpleros_report_2025Q2-Santa-Lemsa.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 259K<\/td>\n<td class=\"stark\">15,9%<\/td>\n<td class=\"stark\">31,3%<\/td>\n<td class=\"stabil\">2,2<\/td>\n<td class=\"stark\">2,3<\/td>\n<td><\/td>\n<td class=\"mittel\">59<\/td>\n<\/tr>\n<tr>\n<td>Virtus Lending<\/td>\n<td><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/07\/Virtus-Lending-Auditor-Report-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">BDO<\/td>\n<td class=\"mittel\">EUR 237K<\/td>\n<td class=\"stabil\">3,4%<\/td>\n<td class=\"mittel\">12,7%<\/td>\n<td class=\"risiko\">6,9<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"risiko\">43<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Lendermarket\"><\/span>Lendermarket<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/lendermarket-opiniones\/\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11446 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/05\/Lendermarket-Erfahrungen-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11446 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/05\/Lendermarket-Erfahrungen-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Lendermarket es una escisi\u00f3n del Creditstar Group. Entre sus caracter\u00edsticas destacables se incluyen las tasas de inter\u00e9s superiores a la media, a veces de hasta un 18 %, as\u00ed como los frecuentes retrasos en los pagos.<\/p>\n<p>Desde 2022, tambi\u00e9n se ofrecen prestamistas externos en el mercado P2P. Una visi\u00f3n general se puede encontrar en la tabla a continuaci\u00f3n. M\u00e1s informaci\u00f3n se puede consultar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/lendermarket-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Lendermarket<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-lendermarket\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 1 % de reembolso durante 90 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Credifiel<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/4BDBA7F2-3C55-50D8-DDB0-94596FA381FD.pdf?_gl=1*19ck3ni*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNDk5OSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">RSM Mexico<\/td>\n<td class=\"stark\">EUR 7,09M<\/td>\n<td class=\"stark\">6,0%<\/td>\n<td class=\"stark\">35,8%<\/td>\n<td class=\"stark\">0,64<\/td>\n<td class=\"stabil\">1,52<\/td>\n<td class=\"stabil\">5,3%<\/td>\n<td class=\"stark\">92<\/td>\n<\/tr>\n<tr>\n<td>Creditstar Group<\/td>\n<td><strong><a href=\"https:\/\/www.creditstar.com\/files\/creditstar_consolidated_annual_report_2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stark\">KPMG<\/td>\n<td class=\"stark\">EUR 7,24M<\/td>\n<td class=\"mittel\">2,2%<\/td>\n<td class=\"mittel\">19,2%<\/td>\n<td class=\"mittel\">4,2<\/td>\n<td class=\"kritisch\">0,4<\/td>\n<td class=\"kritisch\">15,2%<\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<tr>\n<td>Dineo<\/td>\n<td><a href=\"https:\/\/lendermarket.com\/wp-content\/uploads\/2025\/08\/DINEO-2024-Annual_Report.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"mittel\">BNFIX Audit Auditores<\/td>\n<td class=\"mittel\">EUR 75K<\/td>\n<td class=\"risiko\">0,2%<\/td>\n<td class=\"mittel\">15,5%<\/td>\n<td class=\"stark\">0,85<\/td>\n<td class=\"stabil\">1,84<\/td>\n<td class=\"kritisch\">22,5%<\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<tr>\n<td>RapiCredit (CO)<\/td>\n<td><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/12\/2024-Rapicredit.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"mittel\">Nexia Montes y Asociados<\/td>\n<td class=\"stark\">EUR 486K<\/td>\n<td class=\"mittel\">1,6%<\/td>\n<td class=\"mittel\">19,9%<\/td>\n<td class=\"stark\">0,80<\/td>\n<td class=\"stark\">2,09<\/td>\n<td class=\"kritisch\">22,1%<\/td>\n<td class=\"mittel\">65<\/td>\n<\/tr>\n<tr>\n<td>RapiCredit (ES)<\/td>\n<td><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Mintos\"><\/span>Mintos<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/mintos-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12119 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Mintos-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12119 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Mintos-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>En t\u00e9rminos de n\u00famero de inversores y de activos bajo gesti\u00f3n, Mintos es el mayor mercado de pr\u00e9stamos P2P en Europa. El mercado P2P let\u00f3n ocupa, por tanto, una posici\u00f3n especial en el sector.<\/p>\n<p>Durante la pandemia, pero tambi\u00e9n a ra\u00edz de la guerra en Ucrania, quedaron al descubierto varias debilidades en la diligencia debida de los prestamistas en Mintos. En determinados momentos, hasta 150 millones de euros de los fondos de los inversores quedaron inmovilizados en procesos de recuperaci\u00f3n. Esto pone de manifiesto que, si bien Mintos ofrece una gran variedad de prestamistas, los inversores deber\u00edan examinar cuidadosamente cada empresa de manera individual. Un resumen puede encontrarse en la tabla a continuaci\u00f3n.<\/p>\n<p>M\u00e1s informaci\u00f3n se encuentra en mi <a href=\"https:\/\/rethink-p2p.de\/es\/mintos-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Mintos<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-mintos\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> reciben un bono de 25 \u20ac.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BB Finance<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/5F5B168F-C713-35D4-B537-495F411FA4BB.pdf?_gl=1*wdlb43*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNDg3MiRqMTkkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stark\">KPMG<\/td>\n<td class=\"stark\">EUR 1,07M<\/td>\n<td class=\"stabil\">5,0%<\/td>\n<td class=\"mittel\">18,0%<\/td>\n<td class=\"stark\">0,82<\/td>\n<td class=\"mittel\">1,09<\/td>\n<td class=\"mittel\">9,7%<\/td>\n<td class=\"stabil\">78<\/td>\n<\/tr>\n<tr>\n<td>Cash Credit<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/052238F3-A674-6ACF-BC0D-CB6AD8F7573F.pdf?_gl=1*15ykm1h*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNDkxOSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 286K<\/td>\n<td class=\"stabil\">4,3%<\/td>\n<td class=\"stark\">54,8%<\/td>\n<td class=\"stark\">0,45<\/td>\n<td class=\"stark\">2,18<\/td>\n<td class=\"stark\">1,8%<\/td>\n<td class=\"stabil\">78<\/td>\n<\/tr>\n<tr>\n<td>Credifiel<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/4BDBA7F2-3C55-50D8-DDB0-94596FA381FD.pdf?_gl=1*19ck3ni*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNDk5OSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">RSM Mexico<\/td>\n<td class=\"stark\">EUR 7,09M<\/td>\n<td class=\"stark\">6,0%<\/td>\n<td class=\"stark\">35,8%<\/td>\n<td class=\"stark\">0,64<\/td>\n<td class=\"stabil\">1,52<\/td>\n<td class=\"stabil\">5,3%<\/td>\n<td class=\"stark\">92<\/td>\n<\/tr>\n<tr>\n<td>Creditstar (FI)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/8117C3BB-7062-EFB9-0D92-ADCC0721400E.pdf?_gl=1*1061hxu*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTEyNiRqMjkkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 283K<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">0,4%<\/td>\n<td class=\"stabil\">1,00<\/td>\n<td class=\"\"><\/td>\n<td class=\"stabil\">3,0%<\/td>\n<td class=\"kritisch\">43<\/td>\n<\/tr>\n<tr>\n<td>Credius IFN (RO)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/C2D57B59-E10D-1EA1-4F71-CACEACACFC30.pdf?_gl=1*12ekoqn*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTIyNCRqMTUkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR (309K)<\/td>\n<td class=\"kritisch\">(1,4%)<\/td>\n<td class=\"stark\">44,1%<\/td>\n<td class=\"stark\">0,56<\/td>\n<td class=\"stabil\">1,58<\/td>\n<td class=\"kritisch\">26,2%<\/td>\n<td class=\"kritisch\">52<\/td>\n<\/tr>\n<tr>\n<td>Delfin Group (LV)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/AC5294AA-B028-F658-20AE-8491A1443E3B.pdf?_gl=1*1di92je*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTMyNSRqMjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stark\">KPMG<\/td>\n<td class=\"stark\">EUR 7,4M<\/td>\n<td class=\"stark\">6,4%<\/td>\n<td class=\"mittel\">19,7%<\/td>\n<td class=\"stark\">0,80<\/td>\n<td class=\"mittel\">1,11<\/td>\n<td class=\"mittel\">9,6%<\/td>\n<td class=\"stabil\">78<\/td>\n<\/tr>\n<tr>\n<td>Esto (EE)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/29D66E13-8E39-F76B-8E8A-0D6BCEAFBB8B.pdf?_gl=1*1c9e7ku*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTM4NSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stark\">KPMG<\/td>\n<td class=\"stark\">EUR 11,2M<\/td>\n<td class=\"stark\">16,9%<\/td>\n<td class=\"stark\">33,4%<\/td>\n<td class=\"stark\">0,67<\/td>\n<td class=\"stark\">2,73<\/td>\n<td class=\"stabil\">3,0%<\/td>\n<td class=\"stark\">96<\/td>\n<\/tr>\n<tr>\n<td>Esto (LT)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/1415B78B-41AB-D958-3BA5-FB26EA47E6E4.pdf?_gl=1*jke6hi*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTM5NSRqNTAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2023<\/strong><\/a><\/td>\n<td class=\"risiko\">Provisus<\/td>\n<td class=\"kritisch\">EUR (820K)<\/td>\n<td class=\"kritisch\">(23,1%)<\/td>\n<td class=\"kritisch\">(40,1%)<\/td>\n<td class=\"stabil\">1,40<\/td>\n<td class=\"stabil\">1,51<\/td>\n<td class=\"stabil\">3,0%<\/td>\n<td class=\"kritisch\">51<\/td>\n<\/tr>\n<tr>\n<td>Evergreen Finance<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/28E849BB-9ADC-D924-0339-8ABB2818C0A2.pdf?_gl=1*1p8ho9i*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTQ3MCRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 829K<\/td>\n<td class=\"\"><\/td>\n<td class=\"stabil\">23,4%<\/td>\n<td class=\"stark\">0,77<\/td>\n<td class=\"stabil\">1,68<\/td>\n<td class=\"kritisch\">42,9%<\/td>\n<td class=\"kritisch\">54<\/td>\n<\/tr>\n<tr>\n<td>Finclusion<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/480FCB54-6DEE-9918-3C05-673BD9AB9B92.pdf?_gl=1*11dg18d*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTUwOCRqMjIkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stark\">PwC<\/td>\n<td class=\"mittel\">EUR 234K<\/td>\n<td class=\"mittel\">2,3%<\/td>\n<td class=\"stabil\">24,7%<\/td>\n<td class=\"stark\">0,75<\/td>\n<td class=\"risiko\">0,73<\/td>\n<td class=\"kritisch\">16,0%<\/td>\n<td class=\"mittel\">64<\/td>\n<\/tr>\n<tr>\n<td>Finmak<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/7C973FF8-26C8-4AAF-11F5-9099ED3A4592.pdf?_gl=1*pzp2qm*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjc5MSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 5,69M<\/td>\n<td class=\"\"><\/td>\n<td class=\"stark\">49,3%<\/td>\n<td class=\"stark\">0,51<\/td>\n<td class=\"stabil\">1,87<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<tr>\n<td>Finopro IFN (RO)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/F053A144-8596-626F-FE0E-3273BD1AF145.pdf?_gl=1*a4mk0c*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTIzMSRqOCRsMCRoNjUyNzI3NTg0\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">Grant Thornton<\/td>\n<td class=\"stark\">EUR 5,64M<\/td>\n<td class=\"stark\">40,5%<\/td>\n<td class=\"stark\">78,6%<\/td>\n<td class=\"stark\">0,21<\/td>\n<td class=\"kritisch\">0,03<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">64<\/td>\n<\/tr>\n<tr>\n<td>Fintech Finance<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/17154458-62E9-4825-6EA2-87B30B290163.pdf?_gl=1*1wfiss*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjg3OCRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">Baker Tilly<\/td>\n<td class=\"stark\">EUR 14,5M<\/td>\n<td class=\"stark\">29,9%<\/td>\n<td class=\"stark\">37,0%<\/td>\n<td class=\"stark\">0,63<\/td>\n<td class=\"mittel\">1,43<\/td>\n<td class=\"kritisch\">22,7%<\/td>\n<td class=\"stabil\">74<\/td>\n<\/tr>\n<tr>\n<td>Hipocredit (LT)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/C2542F97-4BA9-F1A1-4C79-4D3A47C27857.pdf?_gl=1*w61b1i*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTU4NCRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"risiko\">Nexia Auditas<\/td>\n<td class=\"stark\">EUR 1,31M<\/td>\n<td class=\"stark\">5,4%<\/td>\n<td class=\"mittel\">12,1%<\/td>\n<td class=\"stark\">0,88<\/td>\n<td class=\"stark\">4,95<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<tr>\n<td>Hipocredit (LV)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/26690D09-DE24-48ED-E243-36B282B42B8E.pdf?_gl=1*1lg71uf*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTYxMyRqMzEkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 546K<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">12,9%<\/td>\n<td class=\"stark\">0,87<\/td>\n<td class=\"stark\">22,85<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">50<\/td>\n<\/tr>\n<tr>\n<td>ID Finance<\/td>\n<td><a href=\"https:\/\/idfinance.com\/investors\/financial-statements\/\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stark\">EY<\/td>\n<td class=\"stark\">EUR 6,61M<\/td>\n<td class=\"stabil\">4,2%<\/td>\n<td class=\"mittel\">16,0%<\/td>\n<td class=\"stark\">0,84<\/td>\n<td class=\"mittel\">1,20<\/td>\n<td class=\"kritisch\">39,8%<\/td>\n<td class=\"stabil\">70<\/td>\n<\/tr>\n<tr>\n<td>Iute Credit (AL)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/F36874F3-1CB5-9F38-4D21-9E1936DD802A.pdf?_gl=1*wtm7qs*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTcxOSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">RSM Albania<\/td>\n<td class=\"stark\">EUR 4,69M<\/td>\n<td class=\"stark\">5,9%<\/td>\n<td class=\"stabil\">26,4%<\/td>\n<td class=\"stark\">0,74<\/td>\n<td class=\"mittel\">1,42<\/td>\n<td class=\"risiko\">14,2%<\/td>\n<td class=\"stabil\">75<\/td>\n<\/tr>\n<tr>\n<td>Iute Credit (BG)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/8EA89E99-4771-3E99-0589-2FF0EC938DF8.pdf?_gl=1*1w1y7u9*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTczNCRqNDUkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2023<\/strong><\/a><\/td>\n<td class=\"stabil\">HLB Bulgaria<\/td>\n<td class=\"kritisch\">EUR (2,23M)<\/td>\n<td class=\"kritisch\">(27,3%)<\/td>\n<td class=\"mittel\">16,2%<\/td>\n<td class=\"stark\">0,84<\/td>\n<td class=\"stark\">13,26<\/td>\n<td class=\"kritisch\">24,4%<\/td>\n<td class=\"mittel\">58<\/td>\n<\/tr>\n<tr>\n<td>Iute Credit (MD)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/5BBA119A-B241-3F98-F676-E6B6C2D65BF5.pdf?_gl=1*uf93m1*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTc3OSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"mittel\">Baker Tilly<\/td>\n<td class=\"stark\">EUR 2,39M<\/td>\n<td class=\"stabil\">4,1%<\/td>\n<td class=\"stark\">35,4%<\/td>\n<td class=\"stark\">0,65<\/td>\n<td class=\"stark\">4,00<\/td>\n<td class=\"risiko\">10,3%<\/td>\n<td class=\"stabil\">78<\/td>\n<\/tr>\n<tr>\n<td>Iute Credit (MK)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/172898E8-2DE6-7CB1-2822-461F8FDE08C1.pdf?_gl=1*6ec1p8*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTgwNiRqMzMkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">Moore<\/td>\n<td class=\"stark\">EUR 1,98M<\/td>\n<td class=\"stark\">5,8%<\/td>\n<td class=\"mittel\">16,5%<\/td>\n<td class=\"stark\">0,83<\/td>\n<td class=\"\"><\/td>\n<td class=\"stabil\">5,5%<\/td>\n<td class=\"stabil\">71<\/td>\n<\/tr>\n<tr>\n<td>Luma Finans<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/34198C7C-502A-09D3-BD6C-4BDDCD88AF3B.pdf?_gl=1*19j2fp5*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjY2NCRqMjIkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"risiko\">WeAudit<\/td>\n<td class=\"stark\">EUR 5,34M<\/td>\n<td class=\"stark\">18,4%<\/td>\n<td class=\"mittel\">18,0%<\/td>\n<td class=\"stark\">0,82<\/td>\n<td class=\"stabil\">1,93<\/td>\n<td class=\"kritisch\">29,9%<\/td>\n<td class=\"mittel\">63<\/td>\n<\/tr>\n<tr>\n<td>Mikro Kapital (MD)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/CFB4CB9A-D41B-7BB0-221F-1BB4EBBF8F6D.pdf?_gl=1*x0b5a5*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTkzNCRqOSRsMCRoNjUyNzI3NTg0\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">Crowe Audit<\/td>\n<td class=\"stabil\">EUR 361K<\/td>\n<td class=\"mittel\">1,2%<\/td>\n<td class=\"stabil\">29,4%<\/td>\n<td class=\"stark\">0,71<\/td>\n<td class=\"risiko\">0,65<\/td>\n<td class=\"stabil\">5,9%<\/td>\n<td class=\"stabil\">74<\/td>\n<\/tr>\n<tr>\n<td>Mikro Kapital (RO)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/CFB4CB9A-D41B-7BB0-221F-1BB4EBBF8F6D.pdf?_gl=1*x0b5a5*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTkzNCRqOSRsMCRoNjUyNzI3NTg0\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stark\">PwC<\/td>\n<td class=\"stark\">EUR 1,56M<\/td>\n<td class=\"stabil\">3,9%<\/td>\n<td class=\"stabil\">21,9%<\/td>\n<td class=\"stark\">0,78<\/td>\n<td class=\"kritisch\">0,27<\/td>\n<td class=\"mittel\">6,0%<\/td>\n<td class=\"stabil\">75<\/td>\n<\/tr>\n<tr>\n<td>Mikro Kapital (UZ)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/C164ED4D-EAFE-2E86-2E4C-D6BEC5F13C45.pdf?_gl=1*4vi2zx*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTk0MyRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2023<\/strong><\/a><\/td>\n<td class=\"stabil\">Grant Thornton<\/td>\n<td class=\"stark\">USD 3,65M<\/td>\n<td class=\"stark\">6,9%<\/td>\n<td class=\"mittel\">16,7%<\/td>\n<td class=\"stark\">0,83<\/td>\n<td class=\"kritisch\">0,31<\/td>\n<td class=\"stark\">2,6%<\/td>\n<td class=\"stabil\">78<\/td>\n<\/tr>\n<tr>\n<td>Mogo (GE)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/A6A6CC23-5D47-0A7B-F095-0560D28F4A31.pdf?_gl=1*1jt8lnc*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjUyNSRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 4,47M<\/td>\n<td class=\"\"><\/td>\n<td class=\"stark\">95,0%<\/td>\n<td class=\"stark\">0,05<\/td>\n<td class=\"stark\">15,57<\/td>\n<td class=\"risiko\">10,8%<\/td>\n<td class=\"mittel\">68<\/td>\n<\/tr>\n<tr>\n<td>Mogo (LT)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/3810CFF2-2B43-E5CA-247F-D8E4D28CA73A.pdf?_gl=1*12fh11l*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjQ3OCRqMjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2023<\/strong><\/a><\/td>\n<td class=\"stabil\">ROSK Consulting<\/td>\n<td class=\"stabil\">EUR 381K<\/td>\n<td class=\"mittel\">1,1%<\/td>\n<td class=\"risiko\">8,9%<\/td>\n<td class=\"stark\">0,91<\/td>\n<td class=\"mittel\">1,08<\/td>\n<td class=\"stabil\">3,4%<\/td>\n<td class=\"stabil\">71<\/td>\n<\/tr>\n<tr>\n<td>Mogo (LV)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/AE14130B-F49E-4AE4-17E6-5A3B1B6BF755.pdf?_gl=1*4aojbo*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjQzOCRqNjAkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"kritisch\">EUR (970K)<\/td>\n<td class=\"kritisch\"><\/td>\n<td class=\"stark\">72,2%<\/td>\n<td class=\"stark\">0,28<\/td>\n<td class=\"stabil\">1,66<\/td>\n<td class=\"risiko\">12,9%<\/td>\n<td class=\"risiko\">53<\/td>\n<\/tr>\n<tr>\n<td>Mogo (RO)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/4C35C6C7-DC48-0F51-EEA5-83E73F0ADDAD.pdf?_gl=1*1mtx84*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjU3NCRqMTEkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 1,70M<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">12,0%<\/td>\n<td class=\"stark\">0,88<\/td>\n<td class=\"stark\">3,22<\/td>\n<td class=\"kritisch\">16,4%<\/td>\n<td class=\"mittel\">58<\/td>\n<\/tr>\n<tr>\n<td>Moment Credit (LT)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/E4ED50DF-B43F-4D2E-3B8D-B5B63AE1376E.pdf?_gl=1*kza9vv*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjA5MSRqMzMkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">Grant Thornton<\/td>\n<td class=\"stabil\">EUR 233K<\/td>\n<td class=\"mittel\">1,4%<\/td>\n<td class=\"stark\">31,1%<\/td>\n<td class=\"stark\">0,69<\/td>\n<td class=\"mittel\">1,35<\/td>\n<td class=\"risiko\">10,7%<\/td>\n<td class=\"stabil\">72<\/td>\n<\/tr>\n<tr>\n<td>Monefit (EE)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/58C24E2A-A7BF-DE6E-3B94-A46D8EAB3F5E.pdf?_gl=1*1mbingp*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNTEzOCRqMTckbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 112K<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">13,8%<\/td>\n<td class=\"stark\">0,86<\/td>\n<td class=\"\"><\/td>\n<td class=\"stark\">2,0%<\/td>\n<td class=\"mittel\">55<\/td>\n<\/tr>\n<tr>\n<td>Mozipo (RO)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/9EAE6412-5B64-0501-0121-F1AE0337053E.pdf?_gl=1*jacupy*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjExNiRqOCRsMCRoNjUyNzI3NTg0\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">BDO<\/td>\n<td class=\"stabil\">EUR 178K<\/td>\n<td class=\"stabil\">3,3%<\/td>\n<td class=\"stark\">41,6%<\/td>\n<td class=\"stark\">0,58<\/td>\n<td class=\"stabil\">1,91<\/td>\n<td class=\"kritisch\">29,6%<\/td>\n<td class=\"stabil\">73<\/td>\n<\/tr>\n<tr>\n<td>Nera Capital<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/B1B7487A-2690-6381-752D-0159BC255167.pdf?_gl=1*1rk5ioc*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjIyMSRqNTUkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 3,84M<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">14,6%<\/td>\n<td class=\"stark\">0,85<\/td>\n<td class=\"kritisch\">0,40<\/td>\n<td class=\"\"><\/td>\n<td class=\"risiko\">42<\/td>\n<\/tr>\n<tr>\n<td>Nordecum<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/F9D14A1F-3AD9-CDFA-4F1D-90ECF0287AAF.pdf?_gl=1*1elmwoa*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjI2NCRqMTIkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 958K<\/td>\n<td class=\"stabil\">4,5%<\/td>\n<td class=\"stabil\">21,0%<\/td>\n<td class=\"stark\">0,79<\/td>\n<td class=\"stark\">3,75<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<tr>\n<td>Placet Group<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/FD0ADD10-E012-647E-1A89-181309D6FB1C.pdf?_gl=1*1de7cdl*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjI3MSRqNSRsMCRoNjUyNzI3NTg0\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 4,67M<\/td>\n<td class=\"\"><\/td>\n<td class=\"stark\">49,1%<\/td>\n<td class=\"stark\">0,51<\/td>\n<td class=\"stark\">3,62<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<tr>\n<td>Sun Finance (LV)<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/DEB2A58B-A77E-844B-B047-0FF5A448A4AE.pdf?_gl=1*rw9ji2*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjM0NSRqMTQkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 2,49M<\/td>\n<td class=\"\"><\/td>\n<td class=\"stark\">39,2%<\/td>\n<td class=\"stark\">0,61<\/td>\n<td class=\"stabil\">1,65<\/td>\n<td class=\"risiko\">10,1%<\/td>\n<td class=\"mittel\">65<\/td>\n<\/tr>\n<tr>\n<td>Watu Credit<\/td>\n<td><a href=\"https:\/\/assets.mintos.com\/246D5CD5-938D-156F-BD62-5350F09673CD.pdf?_gl=1*1wmqlxz*_gcl_au*MjMwNTYzMTYyLjE3NTIxMzI4NTEuMTY1MTI3MTMyOC4xNzU5MjEzMTcwLjE3NTkyMTQ4MzQ.*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NTkyMTMxMTMkbzExOSRnMSR0MTc1OTIxNjM4OSRqMzMkbDAkaDY1MjcyNzU4NA..\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"stabil\">EUR 7,97M<\/td>\n<td class=\"\"><\/td>\n<td class=\"stabil\">28,9%<\/td>\n<td class=\"stark\">0,71<\/td>\n<td class=\"stark\">4,08<\/td>\n<td class=\"mittel\">6,2%<\/td>\n<td class=\"mittel\">69<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Monefit_SmartSaver\"><\/span>Monefit SmartSaver<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/monefit-smartsaver-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12939 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/12\/Monefit-SmartSaver-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12939 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/12\/Monefit-SmartSaver-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Monefit SmartSaver es una escisi\u00f3n del Creditstar Group, fundada en 2022. Esto proporcion\u00f3 al grupo una fuente adicional de financiaci\u00f3n para su propia cartera de pr\u00e9stamos.<\/p>\n<p>El producto SmartSaver es f\u00e1cil de entender y ofrece tanto ingresos predecibles como un alto grado de liquidez. Sin embargo, el enfoque agresivo de financiaci\u00f3n en el pasado ha provocado con frecuencia retrasos en los reembolsos para los inversores, lo que tambi\u00e9n se refleja en los indicadores financieros.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/monefit-smartsaver-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Monefit SmartSaver<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-monefit\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un bono de 0,25 % de reembolso durante 90 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Creditstar Group<\/td>\n<td><strong><a href=\"https:\/\/www.creditstar.com\/files\/creditstar_consolidated_annual_report_2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stark\">KPMG<\/td>\n<td class=\"stark\">EUR 7,24M<\/td>\n<td class=\"mittel\">2,2%<\/td>\n<td class=\"mittel\">19,2%<\/td>\n<td class=\"mittel\">4,2<\/td>\n<td class=\"kritisch\">0,4<\/td>\n<td class=\"kritisch\">15,2%<\/td>\n<td class=\"mittel\">57<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Nectaro\"><\/span>Nectaro<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/nectaro-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-26394 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/03\/Nectaro-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-26394 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/03\/Nectaro-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Nectaro es un reci\u00e9n llegado al P2P procedente de Letonia que cumple con todos los criterios para un \u00e9xito a largo plazo: regulaci\u00f3n en Letonia, tasas de inter\u00e9s competitivas, un equipo experimentado y una gran empresa matriz respald\u00e1ndolo.<\/p>\n<p>En cuanto a los prestamistas, las dos alternativas de CreditPrime de Ruman\u00eda y Moldavia son las opciones principales. Aunque relativamente peque\u00f1os, est\u00e1n bien establecidos en sus respectivos mercados y han sido rentables durante a\u00f1os.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/nectaro-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Nectaro<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-nectaro\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 1 % de reembolso durante 30 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Abele Finance<\/td>\n<td><a href=\"https:\/\/nectaro.eu\/abele-finance\/audited-historical-financial-information-2024\/\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"mittel\">EUR 1K<\/td>\n<td><\/td>\n<td class=\"mittel\">19,9%<\/td>\n<td class=\"mittel\">4,02<\/td>\n<td class=\"mittel\">1,25<\/td>\n<td><\/td>\n<td class=\"risiko\">40<\/td>\n<\/tr>\n<tr>\n<td>CreditPrime (MD)<\/td>\n<td><strong><a href=\"https:\/\/nectaro.eu\/creditprime-MD\/audited-historical-financial-information-2024\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">Crowe<\/td>\n<td class=\"stark\">EUR 869K<\/td>\n<td class=\"stark\">11,8%<\/td>\n<td class=\"stabil\">22,1%<\/td>\n<td class=\"mittel\">3,52<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"risiko\">54<\/td>\n<\/tr>\n<tr>\n<td>CreditPrime (RO)<\/td>\n<td><strong><a href=\"https:\/\/nectaro.eu\/creditprime-RO\/audited-historical-financial-information-2024\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">Forvis Mazars<\/td>\n<td class=\"stark\">EUR 2,2M<\/td>\n<td class=\"stark\">23,1%<\/td>\n<td class=\"stark\">34,4%<\/td>\n<td class=\"stabil\">1,91<\/td>\n<td class=\"stark\">3,05<\/td>\n<td class=\"mittel\">9,8%<\/td>\n<td class=\"stark\">86<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"PeerBerry\"><\/span>PeerBerry<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10291 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/PeerBerry-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10291 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/PeerBerry-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>PeerBerry es una de las plataformas de pr\u00e9stamos P2P m\u00e1s grandes y consolidadas de Europa. Su \u00e9xito se basa principalmente en prestamistas fiables y en un enfoque excepcional para manejar situaciones de crisis.<\/p>\n<p>El reembolso de m\u00e1s de 51 millones de \u20ac en pr\u00e9stamos afectados por la guerra es algo sin precedentes en el sector P2P, lo que destaca la alta integridad y estabilidad de los socios con los que PeerBerry colabora.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/peerberry-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de PeerBerry<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de mi <a href=\"https:\/\/bit.ly\/rethinkp2p-es-peerberry\" target=\"_blank\" rel=\"noopener\"><strong>enlace de socio<\/strong><\/a> recibir\u00e1n un 0,5 % de reembolso durante 90 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>A Credit (KZ)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Acredit-KZ-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">Baker Tilly<\/td>\n<td class=\"stark\">EUR 4,77M<\/td>\n<td class=\"stark\">11,6%<\/td>\n<td class=\"stark\">62,6%<\/td>\n<td class=\"stark\">0,60<\/td>\n<td class=\"stark\">2,57<\/td>\n<td class=\"kritisch\">38,2%<\/td>\n<td class=\"stabil\">80<\/td>\n<\/tr>\n<tr>\n<td>Cash Express (PH)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Cash-Express-PH-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"mittel\">Caparros Cenda\u00f1a &amp; Co.<\/td>\n<td class=\"kritisch\">EUR (2,69M)<\/td>\n<td class=\"kritisch\">(31,0%)<\/td>\n<td class=\"kritisch\">(220,0%)<\/td>\n<td class=\"kritisch\">(1,45)<\/td>\n<td class=\"stabil\">1,74<\/td>\n<td class=\"kritisch\">100%<\/td>\n<td class=\"kritisch\">37<\/td>\n<\/tr>\n<tr>\n<td>Credit365 (MD)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Credit365-MD-Financial-statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"mittel\">Manager Audit<\/td>\n<td class=\"stabil\">EUR 294K<\/td>\n<td class=\"risiko\">0,7%<\/td>\n<td class=\"stabil\">22,6%<\/td>\n<td class=\"mittel\">3,42<\/td>\n<td class=\"stark\">7,25<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">56<\/td>\n<\/tr>\n<tr>\n<td>Findom (KZ)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Findom-KZ-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">Baker Tilly<\/td>\n<td class=\"stabil\">EUR 176K<\/td>\n<td class=\"stark\">10,6%<\/td>\n<td class=\"stark\">85,8%<\/td>\n<td class=\"stark\">0,16<\/td>\n<td class=\"stark\">7,04<\/td>\n<td class=\"kritisch\">20,1%<\/td>\n<td class=\"stabil\">78<\/td>\n<\/tr>\n<tr>\n<td>Lend Plus (ZA)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Lend-Plus-ZA-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"risiko\">Mahleka D<\/td>\n<td class=\"risiko\">EUR (87K)<\/td>\n<td class=\"kritisch\">(2,0%)<\/td>\n<td class=\"kritisch\">(3,7%)<\/td>\n<td class=\"kritisch\">(28,26)<\/td>\n<td class=\"stark\">3,15<\/td>\n<td class=\"risiko\">12,1%<\/td>\n<td class=\"risiko\">42<\/td>\n<\/tr>\n<tr>\n<td>Lithome (LT)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Lithome-Financial-statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"risiko\">EUR (18K)<\/td>\n<td class=\"risiko\">0,0%<\/td>\n<td class=\"kritisch\">0,2%<\/td>\n<td class=\"kritisch\">465,1<\/td>\n<td class=\"mittel\">1,10<\/td>\n<td class=\"mittel\">7,0%<\/td>\n<td class=\"kritisch\">38<\/td>\n<\/tr>\n<tr>\n<td>NovaLend (PL)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/NovaLend-PL-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"mittel\">Advantim<\/td>\n<td class=\"mittel\">EUR 122K<\/td>\n<td class=\"mittel\">2,7%<\/td>\n<td class=\"mittel\">18,4%<\/td>\n<td class=\"mittel\">4,43<\/td>\n<td class=\"mittel\">1,46<\/td>\n<td class=\"\"><\/td>\n<td class=\"risiko\">48<\/td>\n<\/tr>\n<tr>\n<td>One Credit (KZ)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Onecredit-KZ-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"stabil\">ALMIR CONSULTING<\/td>\n<td class=\"stabil\">EUR 5,26M<\/td>\n<td class=\"stark\">24,9%<\/td>\n<td class=\"stark\">41,0%<\/td>\n<td class=\"stabil\">1,44<\/td>\n<td class=\"stark\">3,16<\/td>\n<td class=\"risiko\">12,1%<\/td>\n<td class=\"stabil\">80<\/td>\n<\/tr>\n<tr>\n<td>SmartCredito (ES)<\/td>\n<td><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/SmartCredito-ES-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"kritisch\">No Auditado<\/td>\n<td class=\"risiko\">EUR (1,41M)<\/td>\n<td class=\"kritisch\">(33,5%)<\/td>\n<td class=\"mittel\">17,2%<\/td>\n<td class=\"mittel\">4,82<\/td>\n<td class=\"stark\">7,48<\/td>\n<td class=\"stark\">0,6%<\/td>\n<td class=\"mittel\">60<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Robocash\"><\/span>Robocash<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/robocash-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-27079 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Robocash-Erfahrungen-Logo-Robocash-Review-Logo-Robocash-Opiniones-Logo-Robocash-Avis-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-27079 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Robocash-Erfahrungen-Logo-Robocash-Review-Logo-Robocash-Opiniones-Logo-Robocash-Avis-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Robocash es una plataforma P2P registrada en Croacia, donde los inversores pueden invertir en pr\u00e9stamos de consumo y obtener rendimientos promedio de alrededor del 10 %. La plataforma P2P fue lanzada en febrero de 2017 por el Grupo UnaFinancial (anteriormente Robocash Group), que cuenta con a\u00f1os de experiencia en el sector financiero.<\/p>\n<p>Robocash no publica resultados financieros de los prestamistas individuales. En su lugar, los inversores deben consultar las cifras del Grupo UnaFinancial. Los recientes deterioros significativos por impagos de pr\u00e9stamos, la alta carga fiscal (11,4 millones de USD) y las p\u00e9rdidas por conversiones de divisas (6,9 millones de USD) se reflejan claramente en los indicadores financieros.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/robocash-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Robocash<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-go-robocash\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 1 % de reembolso durante 30 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>UnaFinancial Group<\/td>\n<td><strong><a href=\"https:\/\/k8s-sng-aws-asia-unafinance-strapi-media-library.s3.ap-southeast-1.amazonaws.com\/Una_Financial_Group_Summary_Special_Purpose_Consolidated_DEC_2024_AUP_Report_4e01ba61cc.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">Grant Thornton<\/td>\n<td class=\"stabil\">EUR 574K<\/td>\n<td class=\"risiko\">0,5%<\/td>\n<td class=\"kritisch\">3,8%<\/td>\n<td class=\"kritisch\">25,1<\/td>\n<td class=\"mittel\">1,00<\/td>\n<td class=\"\"><\/td>\n<td class=\"risiko\">41<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Swaper\"><\/span>Swaper<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Swaper es una plataforma P2P con sede en Estonia que ha estado activa desde 2016 y se centra en pr\u00e9stamos de consumo a corto plazo. Los pr\u00e9stamos provienen casi en su totalidad del Grupo Wandoo Finance, que estableci\u00f3 Swaper como una herramienta de financiaci\u00f3n.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>One Leasing<\/td>\n<td><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<\/tr>\n<tr>\n<td>SW Finance<\/td>\n<td><a href=\"https:\/\/ariregister.rik.ee\/eng\/company\/16774146\/SW-Finance-O%C3%9C\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"risiko\">Assertum Audit<\/td>\n<td class=\"kritisch\">(EUR 49K)<\/td>\n<td class=\"kritisch\">(0,3%)<\/td>\n<td class=\"kritisch\">(0,3%)<\/td>\n<td class=\"kritisch\">(360,8)<\/td>\n<td class=\"mittel\">1,2<\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">26<\/td>\n<\/tr>\n<tr>\n<td>Wandoo Finance Group<\/td>\n<td><strong><a href=\"https:\/\/swaper.com\/en\/assets\/reports\/WF_consolidated_report_2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"risiko\">Sandra Dzerele un Partneris<\/td>\n<td class=\"stark\">EUR 2,1M<\/td>\n<td class=\"stark\">6,7%<\/td>\n<td class=\"mittel\">17,5%<\/td>\n<td class=\"mittel\">4,7<\/td>\n<td class=\"mittel\">1,2<\/td>\n<td class=\"\"><\/td>\n<td class=\"risiko\">52<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Twino\"><\/span>Twino<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/twino-opiniones\/\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-13983 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/TWINO-Bonus-.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-13983 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/TWINO-Bonus-.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>Debido a su tama\u00f1o e historia, Twino se considera uno de los pioneros en el \u00e1mbito de los pr\u00e9stamos P2P. Tras perseguir en sus primeros a\u00f1os una ambiciosa estrategia de expansi\u00f3n internacional (que no tuvo \u00e9xito), la oferta de pr\u00e9stamos de la plataforma se ha ido reduciendo gradualmente.<\/p>\n<p>En los \u00faltimos a\u00f1os, los problemas en Rusia (guerra en Ucrania), Vietnam (insolvencia) y Filipinas (incertidumbre) han dejado \u00fanicamente el negocio de pr\u00e9stamos en Polonia operando en la plataforma P2P letona.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/twino-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Twino<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-twino\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 2 % de reembolso durante 90 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Fincard<\/td>\n<td><strong><a href=\"https:\/\/a.storyblok.com\/f\/81832\/x\/96c91ff2dd\/netcredit_financial_2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">BDO<\/td>\n<td class=\"stark\">EUR 7,91M<\/td>\n<td class=\"stark\">5,3%<\/td>\n<td class=\"stark\">36,5%<\/td>\n<td class=\"stabil\">1,74<\/td>\n<td class=\"stabil\">1,61<\/td>\n<td class=\"mittel\">9,6%<\/td>\n<td class=\"stabil\">83<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Viainvest\"><\/span>Viainvest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/es\/viainvest-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10283 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/VIAINVEST-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10283 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/VIAINVEST-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\n<p>En los \u00faltimos a\u00f1os, Viainvest ha sido de manera constante una de las alternativas m\u00e1s populares en la comunidad de pr\u00e9stamos P2P. Esto se debe a su confiabilidad y estabilidad de larga trayectoria, especialmente evidente en tiempos de crisis. Gracias a las tasas de inter\u00e9s atractivas combinadas con una s\u00f3lida gesti\u00f3n de riesgos, los inversores han podido obtener rendimientos de dos d\u00edgitos en Viainvest desde 2016.<\/p>\n<p>La fuerza impulsora detr\u00e1s de la plataforma P2P es el Grupo VIA SMS, una empresa fintech fundada en 2009. Adem\u00e1s de Viainvest, la compa\u00f1\u00eda holding tambi\u00e9n ofrece una variedad de otros servicios financieros.<\/p>\n<p>M\u00e1s informaci\u00f3n se puede encontrar en mi <a href=\"https:\/\/rethink-p2p.de\/es\/viainvest-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>rese\u00f1a de Viainvest<\/strong><\/a>. Los nuevos inversores que se registren a trav\u00e9s de <a href=\"https:\/\/bit.ly\/rethinkp2p-es-viainvest\" target=\"_blank\" rel=\"noopener\"><strong>mi enlace de socio<\/strong><\/a> recibir\u00e1n un 1 % de reembolso durante 90 d\u00edas.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Prestamista<\/strong><\/th>\n<th><strong>A\u00f1o<\/strong><\/th>\n<th><strong>Auditado<\/strong><\/th>\n<th><strong>Beneficio<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Capital Propio<\/strong><\/th>\n<th><strong>Deuda<\/strong><\/th>\n<th><strong>Liquidez<\/strong><\/th>\n<th><strong>Deterioros<\/strong><\/th>\n<th><strong>Puntuaci\u00f3n<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>VIACONTO (RO)<\/td>\n<td><strong><a href=\"https:\/\/viainvest.com\/uploads\/IFN_VIACONTO_MINICREDIT_S.A._Romania_Financial_Statements_2024_EN.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"stabil\">SC SAVVY AUDIT SRL<\/td>\n<td class=\"stabil\">EUR 172K<\/td>\n<td class=\"stark\">12,4%<\/td>\n<td class=\"stark\">54%<\/td>\n<td class=\"stark\">0,9<\/td>\n<td class=\"stark\">3,7<\/td>\n<td class=\"kritisch\">73,4%<\/td>\n<td class=\"stabil\">78<\/td>\n<\/tr>\n<tr>\n<td>VIACONTO (SE)<\/td>\n<td><strong><a href=\"https:\/\/viainvest.com\/uploads\/viaconto_sweden_ab_annual_report_2024_and_independent_auditors_report_en.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"mittel\">L\u00fcsch &amp; Co Revision AB<\/td>\n<td class=\"stabil\">SEK 1,79M<\/td>\n<td class=\"mittel\">1,0%<\/td>\n<td class=\"risiko\">5,7%<\/td>\n<td class=\"kritisch\">16,5<\/td>\n<td class=\"mittel\">1,0<\/td>\n<td class=\"kritisch\">24,9%<\/td>\n<td class=\"risiko\">47<\/td>\n<\/tr>\n<tr>\n<td>VIA SMS (LV)<\/td>\n<td><strong><a href=\"https:\/\/viainvest.com\/uploads\/VIA_SMS_Latvia_Annual_Report_2024_EN.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"mittel\">BDO Assurance<\/td>\n<td class=\"stark\">EUR 933K<\/td>\n<td class=\"mittel\">2,2%<\/td>\n<td class=\"mittel\">16,4%<\/td>\n<td class=\"mittel\">5,1<\/td>\n<td class=\"mittel\">1,1<\/td>\n<td class=\"stark\">1,1%<\/td>\n<td class=\"stabil\">71<\/td>\n<\/tr>\n<tr>\n<td>VIA SMS (CZ)<\/td>\n<td><strong><a href=\"https:\/\/viainvest.com\/uploads\/IFN_VIACONTO_MINICREDIT_S.A._Romania_Financial_Statements_2024_EN.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"mittel\">BDO Audit s.r.o.<\/td>\n<td class=\"kritisch\">CZK (7,3M)<\/td>\n<td class=\"kritisch\">(8,5)%<\/td>\n<td class=\"mittel\">15,8%<\/td>\n<td class=\"mittel\">5,3<\/td>\n<td class=\"mittel\">1,2<\/td>\n<td class=\"kritisch\">57%<\/td>\n<td class=\"risiko\">44<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":29362,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - 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