{"id":25380,"date":"2021-02-10T06:00:00","date_gmt":"2021-02-10T05:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/income-marketplace-avis-top-5-des-plateformes-p2p-voici-pourquoi\/"},"modified":"2026-09-28T17:50:59","modified_gmt":"2026-09-28T15:50:59","slug":"income-marketplace-avis","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/","title":{"rendered":"Income Marketplace Avis 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Derni\u00e8re mise \u00e0 jour : 29 septembre 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Les Points Cl\u00e9s\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Income Marketplace est un marketplace P2P non r\u00e9gul\u00e9 dont le si\u00e8ge est en Estonie, sur lequel les investisseurs peuvent investir dans des pr\u00eats garantis par un rachat et obtenir un rendement allant jusqu&#8217;\u00e0 15%.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">La plateforme est exploit\u00e9e par la soci\u00e9t\u00e9 estonienne Income Company O\u00dc, fond\u00e9e en juillet 2020. La plateforme elle-m\u00eame a lanc\u00e9 ses op\u00e9rations en janvier 2021.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Income Marketplace se distingue par un niveau \u00e9lev\u00e9 de diligence raisonnable dans l&#8217;\u00e9valuation des \u00e9metteurs de pr\u00eats. Les principales caract\u00e9ristiques de s\u00e9curit\u00e9 incluent le Junior Share et le Cashflow Buffer. Moins de 1% des actifs sous gestion sont actuellement en cours de recouvrement.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">La combinaison de la qualit\u00e9 du portefeuille de pr\u00eats, d&#8217;une haute transparence et de taux d&#8217;int\u00e9r\u00eat comp\u00e9titifs fait d&#8217;Income Marketplace l&#8217;une des options les plus attractives du march\u00e9 P2P.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6acafbde7db38 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acafbde7db38 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acafbde7db38 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acafbde7db38 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acafbde7db38 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acafbde7db38{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acafbde7db38:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acafbde7db38 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acafbde7db38 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acafbde7db38\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript><\/noscript><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:84%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4,2)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">Bonus pour nouveaux investisseurs<\/div>\n          <p>Les nouveaux investisseurs re\u00e7oivent 1% de cashback sur le montant moyen pond\u00e9r\u00e9 investi durant les 30 premiers jours suivant l'inscription. Le bonus est plafonn\u00e9 \u00e0 500 \u20ac et vers\u00e9 40 jours apr\u00e8s l'inscription.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acafbde7db38\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-income\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Investir maintenant<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">Je suis investi avec mes propres fonds chez Income depuis avril 2022. Depuis lors, j&#039;ai r\u00e9alis\u00e9 un rendement total (XIRR) de 12,87%. Mon portefeuille en cours sur la plateforme s&#039;\u00e9l\u00e8ve \u00e0 25.799 \u20ac.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/fr\/portefeuille-p2p\/\" target=\"_blank\" rel=\"noopener\">Mon Portefeuille<\/a>\n    <\/div>\r\n<hr \/>\r\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 \" >Table des mati\u00e8res<\/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 eztoc-toggle-hide-by-default' ><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\/fr\/income-marketplace-avis\/#Quest-ce_que_Income_Marketplace\" title=\"Qu\u2019est-ce que Income Marketplace ?\">Qu\u2019est-ce que Income Marketplace ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#Propriete_et_Gestion\" title=\"Propri\u00e9t\u00e9 et Gestion\">Propri\u00e9t\u00e9 et Gestion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#Inscription_et_Bonus\" title=\"Inscription et Bonus\">Inscription et Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#Investir_sur_Income_Marketplace\" title=\"Investir sur Income Marketplace\">Investir sur Income Marketplace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#Fiscalite_dIncome_Marketplace\" title=\"Fiscalit\u00e9 d&#8217;Income Marketplace\">Fiscalit\u00e9 d&#8217;Income Marketplace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#Risques_dIncome_Marketplace\" title=\"Risques d&#8217;Income Marketplace\">Risques d&#8217;Income Marketplace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#Avantages_et_Inconvenients\" title=\"Avantages et Inconv\u00e9nients\">Avantages et Inconv\u00e9nients<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#Resume_de_la_Revue_Income_Marketplace\" title=\"R\u00e9sum\u00e9 de la Revue Income Marketplace\">R\u00e9sum\u00e9 de la Revue Income Marketplace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/#FAQ_Income_Marketplace_Avis\" title=\"FAQ Income Marketplace Avis\">FAQ Income Marketplace Avis<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Quest-ce_que_Income_Marketplace\"><\/span>Qu\u2019est-ce que Income Marketplace ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><strong><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-income\" 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=\"income-marketplace-logo\" 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=\"income-marketplace-logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/strong><\/p>\r\n<p data-start=\"1163\" data-end=\"1419\">Income Marketplace est une plateforme de pr\u00eats P2P bas\u00e9e en Estonie, lanc\u00e9e en janvier 2021. Depuis lors, les investisseurs ont pu investir aupr\u00e8s de divers originataires de pr\u00eats internationaux et obtenir des rendements allant jusqu\u2019\u00e0 15 %.<\/p>\r\n<p data-start=\"1421\" data-end=\"1770\">Ce qui ressort particuli\u00e8rement, c\u2019est le positionnement d\u2019Income comme \u00e9tant suppos\u00e9ment la plateforme P2P la plus s\u00fbre pour investir dans des pr\u00eats. Cela est d\u00fb \u00e0 de nouvelles et innovantes fonctionnalit\u00e9s de s\u00e9curit\u00e9 telles que le <em data-start=\"1655\" data-end=\"1669\">Junior Share<\/em> et le <em data-start=\"1676\" data-end=\"1693\">Cashflow Buffer<\/em>, qui se distinguent de l\u2019approche traditionnelle de la garantie de rachat.<\/p>\r\n<p data-start=\"1772\" data-end=\"2045\">Bien qu\u2019Income Marketplace ait d\u00e9j\u00e0 rencontr\u00e9 certains d\u00e9fis avec des originataires de pr\u00eats, la qualit\u00e9 globale du portefeuille peut \u00eatre consid\u00e9r\u00e9e comme tr\u00e8s solide. \u00c0 ce jour, les investisseurs n\u2019ont subi aucune perte et le taux de recouvrement reste inf\u00e9rieur \u00e0 1 %.<\/p>\r\n<p data-start=\"2047\" data-end=\"2245\">Combin\u00e9 \u00e0 des taux d\u2019int\u00e9r\u00eat comp\u00e9titifs ainsi qu\u2019\u00e0 un haut niveau de transparence et de communication, Income Marketplace est l\u2019une des meilleures alternatives dans le paysage actuel du pr\u00eat P2P.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Fiche Income Marketplace<\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Toutes les donn\u00e9es et informations cl\u00e9s sur Income Marketplace r\u00e9sum\u00e9es de fa\u00e7on compacte.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Fond\u00e9e \/ Lanc\u00e9e :<\/strong><\/td>\r\n<td>Juillet 2020 \/ Janvier 2021<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nom Juridique :<\/strong><\/td>\r\n<td>Income Company O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/est\/company\/16014116\/Income-Company-O%C3%9C?search_id=b1e930a&amp;pos=1\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\r\n<td>Tallinn, Estonie<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>R\u00e9gul\u00e9e :<\/strong><\/td>\r\n<td>Non<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO :<\/strong><\/td>\r\n<td><strong><a href=\"https:\/\/www.linkedin.com\/in\/lavrenti-tsudakov-200838ab\/\" target=\"_blank\" rel=\"noopener\">Lavrenti Tsudakov<\/a><\/strong> (Octobre 2023)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Actifs sous Gestion :<\/strong><\/td>\r\n<td>33,1+ millions d'euros<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nombre d&#8217;Investisseurs :<\/strong><\/td>\r\n<td>11\u00a0000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Rendement Attendu :<\/strong><\/td>\r\n<td>13,8%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Score de S\u00e9curit\u00e9 :<\/strong><\/td>\r\n<td>6,2 \/ 10 (Rang 11 sur 31) | <a href=\"https:\/\/rethink-p2p.de\/fr\/risque-plateformes-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>Voir la M\u00e9thodologie<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Type de Pr\u00eat Principal :<\/strong><\/td>\r\n<td>Pr\u00eats \u00e0 la Consommation<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Garanties :<\/strong><\/td>\r\n<td>Garantie de Rachat (60 Jours)<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<p>Pour ceux qui pr\u00e9f\u00e8rent regarder plut\u00f4t que lire, d\u00e9couvrez ma vid\u00e9o sur Income Marketplace :<\/p>\r\n<p><iframe loading=\"lazy\" title=\"Income Marketplace Review | Top 5 P2P Platform in 2024 (Here&#039;s why!)\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/aukhiUabV6M?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>\r\n<h3>L&#8217;Histoire d&#8217;Origine<\/h3>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><a href=\"https:\/\/www.linkedin.com\/in\/kimmo-rytkonen\/\" target=\"_blank\" rel=\"noopener\"><strong>Kimmo Rytk\u00f6nen<\/strong><\/a><\/span> travaille dans le secteur du pr\u00eat international depuis 2011. Parmi d&#8217;autres postes, il a \u00e9t\u00e9 le fondateur du pr\u00eateur polonais Aasa Polska, qui \u00e9tait \u00e9galement repr\u00e9sent\u00e9 sur Mintos \u00e0 l&#8217;\u00e9poque.<\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22187 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png\" alt=\"Income-Marketplace-Avis-Kimmo-Rytkonen\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22187 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png\" alt=\"Income-Marketplace-Avis-Kimmo-Rytkonen\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/span>Kimmo a acquis une grande exp\u00e9rience non seulement du c\u00f4t\u00e9 des pr\u00eateurs, mais aussi en tant qu&#8217;investisseur priv\u00e9 sur diverses plateformes P2P. Il a v\u00e9cu de premi\u00e8re main \u00e0 quel point les investisseurs \u00e9taient peu prot\u00e9g\u00e9s apr\u00e8s l&#8217;\u00e9clatement de la pand\u00e9mie de coronavirus et comment les probl\u00e8mes et les faiblesses de certaines plateformes P2P ont \u00e9t\u00e9 expos\u00e9s.<\/p>\r\n<p>Kimmo a ensuite saisi ces \u00e9v\u00e9nements comme une occasion de cr\u00e9er un nouveau march\u00e9 P2P avec des fonctionnalit\u00e9s de s\u00e9curit\u00e9 suppl\u00e9mentaires selon ses propres id\u00e9es et standards. En juillet 2020, il a fond\u00e9 la soci\u00e9t\u00e9 &#8220;Income Company O\u00dc&#8221;, qui marque l&#8217;origine d&#8217;Income Marketplace.<\/p>\r\n<h3>Mod\u00e8le Commercial<\/h3>\r\n<p>Income Marketplace suit un mod\u00e8le de marketplace de pr\u00eats P2P. La plateforme joue le r\u00f4le d&#8217;interm\u00e9diaire entre les investisseurs cherchant \u00e0 obtenir un rendement sur leur capital et les \u00e9metteurs de pr\u00eats qui proposent leurs actifs sur la plateforme pour les financer.<\/p>\r\n<p>Contrairement au mod\u00e8le P2P \u00ab classique \u00bb, dans lequel la plateforme \u00e9value \u00e9galement les emprunteurs individuels, Income se concentre principalement sur l&#8217;acquisition d&#8217;entreprises fintech financi\u00e8rement solides qui ont besoin d&#8217;un financement par pr\u00eat pour d\u00e9velopper leur mod\u00e8le commercial.<\/p>\r\n<p>En tant que marketplace, Income se mon\u00e9tise principalement gr\u00e2ce \u00e0 des frais de plateforme factur\u00e9s aux \u00e9metteurs de pr\u00eats pour le financement de leurs actifs sur la plateforme. Ces frais se situent entre 2% et 4% du portefeuille de pr\u00eats en cours et sont calcul\u00e9s sur la base d&#8217;un solde journalier. Selon le rapport annuel 2025, Income Marketplace a g\u00e9n\u00e9r\u00e9 un chiffre d&#8217;affaires d&#8217;environ 693.261 euros gr\u00e2ce \u00e0 ce mod\u00e8le.<\/p>\r\n<h3>Visite d&#8217;Income Marketplace<\/h3>\r\n<p>Il y a eu deux visites en personne chez Income Marketplace \u00e0 Tallinn : en septembre 2022 et en juin 2024. Lors de la premi\u00e8re visite, j&#8217;ai eu l&#8217;opportunit\u00e9 de rencontrer le fondateur d&#8217;Income, Kimmo Rytk\u00f6nen, et une grande partie de l&#8217;\u00e9quipe. La deuxi\u00e8me visite a marqu\u00e9 ma premi\u00e8re rencontre avec le nouveau CEO Lavrenti Tsudakov, qui a laiss\u00e9 une impression tr\u00e8s comp\u00e9tente et professionnelle.<\/p>\r\n<p>Les conversations ont port\u00e9 sur la gestion des \u00e9metteurs de pr\u00eats sous-performants, l&#8217;\u00e9valuation des portefeuilles de pr\u00eats au bilan et la strat\u00e9gie de croissance de la plateforme. \u00c0 la suite de la rencontre, un \u00e9pisode de podcast a \u00e9t\u00e9 enregistr\u00e9 pour marquer le cap des 100 millions d&#8217;euros de pr\u00eats financ\u00e9s. La conversation peut \u00eatre visionn\u00e9e <a href=\"https:\/\/youtu.be\/i5K_ey0jOnw?si=egc8pbLqGn0yohK2\"><strong>ici<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Propriete_et_Gestion\"><\/span>Propri\u00e9t\u00e9 et Gestion<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Qui sont les principaux actionnaires et les dirigeants d&#8217;Income Marketplace ? Regardons cela de plus pr\u00e8s !<\/p>\r\n<h3>Propri\u00e9t\u00e9 d&#8217;Income Marketplace<\/h3>\r\n<h2><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22190 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png\" alt=\"Income-Marketplace-Avis-Propri\u00e9t\u00e9\" width=\"500\" height=\"288\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-300x173.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-768x443.png 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/288;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22190\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png\" alt=\"Income-Marketplace-Avis-Propri\u00e9t\u00e9\" width=\"500\" height=\"288\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-300x173.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-768x443.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a><\/h2>\r\n<p>Qui poss\u00e8de Income Marketplace ? Le march\u00e9 P2P est exploit\u00e9 par la soci\u00e9t\u00e9 &#8220;Income Company \u00d6U&#8221;, qui a \u00e9t\u00e9 enregistr\u00e9e dans le registre des entreprises estonien le 22 juillet 2020.<\/p>\r\n<p>En raison d&#8217;un plus grand nombre de membres fondateurs et d&#8217;un tour de financement int\u00e9rimaire chez SeedBlink, la structure de propri\u00e9t\u00e9 est largement diversifi\u00e9e.<\/p>\r\n<p>Les principaux actionnaires incluent :<\/p>\r\n<ul>\r\n<li>Le Allemand Dr. Karl Hauptmann poss\u00e8de 39,86 % des actions. Il est le pr\u00e9sident d&#8217;un grand groupe de capital-investissement de Berlin et a \u00e9t\u00e9 l&#8217;un des premiers soutiens de la plateforme.<\/li>\r\n<li>Le Finlandais Kimmo Rytk\u00f6nen d\u00e9tient 17,44 % des actions par l&#8217;interm\u00e9diaire de sa soci\u00e9t\u00e9 &#8220;KJ Holdings O\u00dc&#8221;. Il est le visage de la plateforme. Il a \u00e9galement \u00e9t\u00e9 le PDG d&#8217;Income Marketplace jusqu&#8217;en octobre 2023.<\/li>\r\n<li>L&#8217;Estonienne Meliina R\u00e4ty poss\u00e8de 9,59 % des actions par l&#8217;interm\u00e9diaire de sa soci\u00e9t\u00e9 &#8220;MR Holdings O\u00dc&#8221;. Elle a \u00e9t\u00e9 l&#8217;une des co-fondatrices d&#8217;Income. Son r\u00f4le de COO a pris fin fin 2021.<\/li>\r\n<\/ul>\r\n<p>Les actions restantes sont r\u00e9parties entre les autres membres fondateurs, investisseurs providentiels, soci\u00e9t\u00e9s de capital-investissement et petits investisseurs priv\u00e9s qui ont acquis des parts dans l&#8217;entreprise via SeedBlink.<\/p>\r\n<h3>Gestion d&#8217;Income Marketplace<\/h3>\r\n<p><span style=\"color: #ff0000;\"><span style=\"color: #000000;\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-18058 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png\" alt=\"Income-Marketplace-Avis-CEO\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-18058 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png\" alt=\"Income-Marketplace-Avis-CEO\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/span><\/span>Depuis octobre 2023, l&#8217;Estonien <strong><a href=\"https:\/\/www.linkedin.com\/in\/lavrenti-tsudakov-200838ab\/\" target=\"_blank\" rel=\"noopener\">Lavrenti Tsudakov<\/a><\/strong> est le PDG d&#8217;Income Marketplace. Il avait d\u00e9j\u00e0 travaill\u00e9 pr\u00e9c\u00e9demment pour la plateforme depuis juin 2021. Chez Income, il \u00e9tait employ\u00e9 en tant que COO, ce qui lui permet de bien comprendre les d\u00e9fis op\u00e9rationnels du quotidien.<\/p>\r\n<p>Le fondateur d&#8217;Income, Kimmo Rytk\u00f6nen, qui a \u00e9t\u00e9 le PDG de la plateforme depuis ses d\u00e9buts, se concentre d\u00e9sormais davantage sur les d\u00e9fis strat\u00e9giques d&#8217;Income Marketplace. Ceux-ci incluent l&#8217;int\u00e9gration de nouveaux pr\u00eateurs, le processus de licence pour devenir une plateforme P2P r\u00e9gul\u00e9e et le prochain tour de financement de l&#8217;entreprise.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Inscription_et_Bonus\"><\/span>Inscription et Bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Pour investir sur Income Marketplace, les investisseurs doivent r\u00e9pondre \u00e0 trois exigences :<\/p>\r\n<ul>\r\n<li>Un \u00e2ge minimum de 18 ans,<\/li>\r\n<li>Une r\u00e9sidence dans l&#8217;Espace \u00e9conomique europ\u00e9en,<\/li>\r\n<li>Et un compte bancaire europ\u00e9en.<\/li>\r\n<\/ul>\r\n<p>Le processus d&#8217;inscription sur Income est assez simple et intuitif. Apr\u00e8s avoir ouvert le compte par email, les questionnaires KYC et AML doivent \u00eatre compl\u00e9t\u00e9s, suivis de la v\u00e9rification de l&#8217;identit\u00e9 via Veriff.<\/p>\r\n<p>Les entit\u00e9s l\u00e9gales ont \u00e9galement la possibilit\u00e9 de s&#8217;inscrire sur Income Marketplace.<\/p>\r\n<h3>Bonus Income Marketplace<\/h3>\r\n\n    <style>\n      #rtp-bonusbox-6acafbde7fb00 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acafbde7fb00 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acafbde7fb00 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acafbde7fb00 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acafbde7fb00 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acafbde7fb00{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acafbde7fb00:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acafbde7fb00 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acafbde7fb00 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acafbde7fb00\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript><\/noscript><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:84%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4,2)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">Bonus pour nouveaux investisseurs<\/div>\n          <p>Les nouveaux investisseurs re\u00e7oivent 1% de cashback sur le montant moyen pond\u00e9r\u00e9 investi durant les 30 premiers jours suivant l'inscription. Le bonus est plafonn\u00e9 \u00e0 500 \u20ac et vers\u00e9 40 jours apr\u00e8s l'inscription.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acafbde7fb00\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-income\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Investir maintenant<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<p>Un aper\u00e7u de la plateforme avec toutes les offres de bonus et promotions de cashback se trouve sur la <a href=\"https:\/\/rethink-p2p.de\/fr\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>page des bonus<\/strong><\/a>.<\/p>\r\n<h3>Forum Income Marketplace<\/h3>\r\n<p>L&#8217;industrie des pr\u00eats P2P est un environnement en \u00e9volution rapide. Assurez-vous donc de rester inform\u00e9 des informations pertinentes en vous abonnant \u00e0 mes canaux sur <a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\" target=\"_blank\" rel=\"noopener\"><strong>Telegram<\/strong><\/a> ou <a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\" target=\"_blank\" rel=\"noopener\"><strong>WhatsApp<\/strong><\/a>. Ainsi, vous recevrez toujours les derni\u00e8res informations de l&#8217;industrie P2P, y compris les nouvelles de la plateforme Income Marketplace.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investir_sur_Income_Marketplace\"><\/span>Investir sur Income Marketplace<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Comment fonctionne Income Marketplace et que doivent savoir et prendre en compte les investisseurs lorsqu&#8217;ils investissent sur la plateforme ? Dans les sections suivantes de ma revue d&#8217;Income Marketplace, vous trouverez toutes les informations n\u00e9cessaires dont vous avez besoin.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11264 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg\" alt=\"income-marketplace-avis-Investir\" width=\"800\" height=\"242\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-300x91.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-768x232.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/242;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11264 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg\" alt=\"income-marketplace-avis-Investir\" width=\"800\" height=\"242\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-300x91.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-768x232.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\r\n<h3>Offre de Pr\u00eats<\/h3>\r\n<p>Il existe une vari\u00e9t\u00e9 de pr\u00eateurs internationaux sur Income. Ceux-ci sont r\u00e9partis g\u00e9ographiquement dans les r\u00e9gions de l&#8217;Europe, de l&#8217;Am\u00e9rique du Sud et de l&#8217;Asie du Sud-Est. Voici un aper\u00e7u des plus grands et des plus importants pr\u00eateurs sur Income Marketplace.<\/p>\r\n<ul>\r\n<li><strong>DanaKredi :<\/strong> Le pr\u00eateur indon\u00e9sien est pr\u00e9sent sur Income depuis d\u00e9cembre 2021 et fait partie des plus grandes pierres angulaires de la plateforme. Les actifs ont une dur\u00e9e maximale de six mois et offrent des taux d&#8217;int\u00e9r\u00eat sup\u00e9rieurs \u00e0 la moyenne, allant jusqu&#8217;\u00e0 15%. Plus d&#8217;informations dans mon <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-danarupiah\/\" target=\"_blank\" rel=\"noopener\"><strong>avis sur DanaKredi<\/strong><\/a>.<\/li>\r\n<li><strong>ITF Group :<\/strong> Le groupe ITF, fond\u00e9 en 2012 en Bulgarie, finance une partie de ses actifs via Income depuis juillet 2022. Les pr\u00eats \u00e0 la consommation et les pr\u00eats \u00e0 temp\u00e9rament \u00e0 court terme offrent des taux d&#8217;int\u00e9r\u00eat allant jusqu&#8217;\u00e0 15 % et des dur\u00e9es allant jusqu&#8217;\u00e0 24 mois.<\/li>\r\n<li><strong>Ibancar :<\/strong> Depuis 2017, le pr\u00eateur espagnol est pr\u00e9sent sur plusieurs plateformes de pr\u00eat P2P. M\u00eame en p\u00e9riode de crise, il n&#8217;y a jamais eu de probl\u00e8mes de remboursement. Les pr\u00eats \u00e0 temp\u00e9rament offrent un taux d&#8217;int\u00e9r\u00eat allant jusqu&#8217;\u00e0 12,5 % et des dur\u00e9es allant jusqu&#8217;\u00e0 37 mois.<\/li>\r\n<li><strong>Hoovi :<\/strong> Le pr\u00eateur estonien propose principalement des pr\u00eats \u00e0 temp\u00e9rament entre 10 % et 12 %. Un \u00e9l\u00e9ment cl\u00e9 de Income Marketplace depuis mai 2022.<\/li>\r\n<li><strong>Sandfield Capital :<\/strong> Le pr\u00eateur bas\u00e9 au Royaume-Uni et r\u00e9gul\u00e9 par la FCA propose un financement pour des litiges civils, couvert par une assurance externe. Taux d&#8217;int\u00e9r\u00eat allant jusqu&#8217;\u00e0 13,5 % et dur\u00e9es allant jusqu&#8217;\u00e0 24 mois.<\/li>\r\n<li><strong>Virtus Lending :<\/strong> Ce pr\u00eateur bas\u00e9 au Kosovo finance des cr\u00e9dits-bails pour des voitures d&#8217;occasion et des pr\u00eats \u00e0 la consommation traditionnels. Les dur\u00e9es vont de 3 \u00e0 84 mois, avec des taux d&#8217;int\u00e9r\u00eat compris entre 10 et 12 %.<\/li>\r\n<li><strong>Simpleros :<\/strong> L\u2019organisme de pr\u00eats bas\u00e9 en Espagne propose des pr\u00eats \u00e0 la consommation \u00e0 court terme allant jusqu\u2019\u00e0 30 jours et des pr\u00eats \u00e9chelonn\u00e9s jusqu\u2019\u00e0 90 jours. Les taux d\u2019int\u00e9r\u00eat tournent autour de 13 %. Actif sur Income Marketplace depuis septembre 2025.<\/li>\r\n<li><strong>Autofino :<\/strong> L\u2019entreprise lituanienne, fond\u00e9e en 2018, est sp\u00e9cialis\u00e9e dans la location de v\u00e9hicules d\u2019occasion avec option d\u2019achat. Sur la place de march\u00e9 Income, les pr\u00eats automobiles sont propos\u00e9s avec un rendement annuel de 11 %. Tous les pr\u00eats r\u00e9pertori\u00e9s b\u00e9n\u00e9ficient d\u2019une obligation de rachat. Les dur\u00e9es des pr\u00eats varient entre 12 et 72 mois.<\/li>\r\n<\/ul>\r\n<h3><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-24411 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png\" alt=\"Income-Marketplace-Review-Loan-Originator\" width=\"1000\" height=\"546\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-300x164.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-768x419.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/546;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-24411\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png\" alt=\"Income-Marketplace-Review-Loan-Originator\" width=\"1000\" height=\"546\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-300x164.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-768x419.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/h3>\r\n<p>Les pr\u00eateurs repr\u00e9sent\u00e9s sur Income Marketplace offrent une large gamme de types de pr\u00eats, de dur\u00e9es et de taux d&#8217;int\u00e9r\u00eat pour les investisseurs.<\/p>\r\n<h3>Co\u00fbts et Frais<\/h3>\r\n<p>Il n&#8217;y a pas de frais ou de co\u00fbts cach\u00e9s pour les investisseurs particuliers sur Income Marketplace. Ni pour les d\u00e9p\u00f4ts ni pour les retraits, ni pour les fonctionnalit\u00e9s lors de l&#8217;investissement sur la plateforme.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22215 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png\" alt=\"Income-Marketplace-Review-Costs-Fees\" width=\"800\" height=\"149\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-300x56.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-768x143.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/149;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22215\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png\" alt=\"Income-Marketplace-Review-Costs-Fees\" width=\"800\" height=\"149\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-300x56.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-768x143.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\r\n<p>Si vous souhaitez g\u00e9n\u00e9rer un revenu passif en investissant dans des pr\u00eats priv\u00e9s \u00e0 la consommation, vous n&#8217;avez pas \u00e0 vous soucier de frais suppl\u00e9mentaires sur Income qui r\u00e9duiraient le rendement annonc\u00e9.<\/p>\r\n<h3>Rendements Attendus<\/h3>\r\n<p data-start=\"951\" data-end=\"1257\">L\u2019attente de rendement global sur Income Marketplace d\u00e9pend en grande partie de la s\u00e9lection et de la performance des originataires de pr\u00eats individuels. En g\u00e9n\u00e9ral, les taux d\u2019int\u00e9r\u00eat peuvent \u00eatre fix\u00e9s par les pr\u00eateurs eux-m\u00eames, bien que la plateforme ait plafonn\u00e9 le taux maximum \u00e0 15 %.<\/p>\r\n<p data-start=\"1259\" data-end=\"1528\">Mon investissement personnel sur Income Marketplace remonte \u00e0 avril 2022. Pendant cette p\u00e9riode, j\u2019ai constitu\u00e9 un portefeuille P2P de plus de 25 000 EUR, atteignant un rendement total de 13,24 %. Cela repr\u00e9sente un retour tr\u00e8s comp\u00e9titif dans le domaine du pr\u00eat P2P.<\/p>\r\n<p data-start=\"1530\" data-end=\"1788\">En plus des taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s, la qualit\u00e9 du portefeuille joue un r\u00f4le essentiel. Historiquement, le taux de recouvrement des cr\u00e9ances sur Income Marketplace n\u2019a jamais d\u00e9pass\u00e9 2 %, ce qui constitue la base sur laquelle reposent les rendements obtenus.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\">Auto Invest<\/span><\/h3>\r\n<p>Sur Income Marketplace, les investisseurs ont la possibilit\u00e9 d\u2019investir manuellement dans des pr\u00eats ainsi qu\u2019\u00e0 travers une fonctionnalit\u00e9 Auto Invest.<\/p>\r\n<p>Avec l&#8217;Auto Invest d&#8217;Income, des pr\u00eateurs individuels peuvent \u00eatre s\u00e9lectionn\u00e9s, ainsi que les pays des emprunteurs, la dur\u00e9e des pr\u00eats, les taux d&#8217;int\u00e9r\u00eat, le montant de l&#8217;investissement, le type de pr\u00eat ou le statut du pr\u00eat. De plus, il existe encore des options de filtres plus avanc\u00e9es, permettant de filtrer par le montant total du pr\u00eat ou le montant restant du pr\u00eat, entre autres.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18230 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png\" alt=\"Income-Marketplace-Avis-Auto-Invest\" width=\"1000\" height=\"541\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-300x162.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-768x415.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/541;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18230\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png\" alt=\"Income-Marketplace-Avis-Auto-Invest\" width=\"1000\" height=\"541\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-300x162.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-768x415.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Le montant minimum d&#8217;investissement par pr\u00eat est actuellement de 10 EUR, ce qui est la norme pour la plupart des plateformes.<\/p>\r\n<p>Income Marketplace n\u2019a pas encore de march\u00e9 secondaire. Toutefois, la plateforme pr\u00e9voit d\u2019introduire cette fonctionnalit\u00e9 \u00e0 l\u2019avenir.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Fiscalite_dIncome_Marketplace\"><\/span><strong>Fiscalit\u00e9 d&#8217;Income Marketplace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>En g\u00e9n\u00e9ral, les revenus d&#8217;int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par le financement de pr\u00eats sont consid\u00e9r\u00e9s comme des revenus d&#8217;investissement et doivent \u00eatre d\u00e9clar\u00e9s comme tels dans la d\u00e9claration fiscale. Contrairement \u00e0 d&#8217;autres plateformes, Income Marketplace ne pr\u00e9l\u00e8ve actuellement aucune taxe.<\/p>\r\n<p>Pour la d\u00e9claration fiscale, les investisseurs peuvent trouver un aper\u00e7u dans le tableau de bord, o\u00f9 un rapport fiscal pour l&#8217;ann\u00e9e respective peut \u00eatre t\u00e9l\u00e9charg\u00e9. Ces informations peuvent ensuite \u00eatre transmises \u00e0 l\u2019administration fiscale dans le cadre d\u2019une d\u00e9claration fiscale.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Risques_dIncome_Marketplace\"><\/span><strong>Risques d&#8217;Income Marketplace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Les investisseurs doivent examiner attentivement les risques potentiels lorsqu\u2019ils \u00e9valuent une plateforme P2P. Quels sont les \u00e9l\u00e9ments dont les investisseurs doivent \u00eatre conscients concernant Income Marketplace ? O\u00f9 se trouvent les risques sous-jacents et comment sont-ils \u00e9valu\u00e9s ?<\/p>\r\n<h3>Risque de la Plateforme<\/h3>\r\n<p>La plateforme Income, exploit\u00e9e par la soci\u00e9t\u00e9 estonienne &#8220;Income Company O\u00dc&#8221;, a lanc\u00e9 ses op\u00e9rations en janvier 2021. Depuis lors, la plateforme a constamment respect\u00e9 ses obligations envers les investisseurs.<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Score de S\u00e9curit\u00e9<\/div>\n      <div class=\"ss-rank\">Place 11 sur 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">6.2<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Risque Moyen<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">R\u00e9gulation &amp; Licence<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Stabilit\u00e9 Financi\u00e8re<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:40%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">8 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparence &amp; Divulgation<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Portefeuille de Pr\u00eats &amp; Pertes<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:80%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">20 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Historique &amp; Gestion de Crise<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:76%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">19 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">Aucun Red Flag pr\u00e9sent.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    Le Score de S\u00e9curit\u00e9 \u00e9value uniquement le risque de la plateforme. Les risques li\u00e9s aux pr\u00eateurs et les risques sp\u00e9cifiques \u00e0 chaque pays ne sont pas couverts et doivent \u00eatre \u00e9valu\u00e9s s\u00e9par\u00e9ment.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/fr\/risque-plateformes-p2p\/\" target=\"_blank\" rel=\"noopener noreferrer\">Voir la m\u00e9thodologie compl\u00e8te &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<p>Actuellement, il n&#8217;existe en Estonie aucun cadre juridique ou r\u00e9glementaire applicable au mod\u00e8le commercial d&#8217;Income Marketplace. En cons\u00e9quence, la plateforme n&#8217;est soumise \u00e0 aucune supervision ou contr\u00f4le de la part d&#8217;une autorit\u00e9 financi\u00e8re. Cela signifie \u00e9galement qu&#8217;il n&#8217;existe ni syst\u00e8me d&#8217;indemnisation des investisseurs ni aucune exigence r\u00e9glementaire en mati\u00e8re de conformit\u00e9 ou de normes de transparence. Si cela offre une plus grande flexibilit\u00e9 op\u00e9rationnelle, cela implique \u00e9galement moins de protection pour les investisseurs.<\/p>\r\n<p>Les rapports financiers sont publi\u00e9s r\u00e9guli\u00e8rement, bien qu&#8217;ils ne soient pas audit\u00e9s par un grand cabinet comptable. \u00c0 ce jour, la plateforme n&#8217;a pas encore atteint la rentabilit\u00e9 et reste d\u00e9pendante des apports en capital de ses actionnaires ou de lev\u00e9es de fonds externes. Selon l&#8217;actionnaire principal, il existe un engagement \u00e0 continuer de soutenir la croissance de la plateforme dans un avenir pr\u00e9visible.<\/p>\r\n<h4>S\u00e9gr\u00e9gation des Fonds et Protection des D\u00e9p\u00f4ts<\/h4>\r\n<p>Les fonds des investisseurs chez Income Marketplace sont d\u00e9tenus sur des comptes B2C s\u00e9par\u00e9s via Verifo et sont donc enti\u00e8rement s\u00e9gr\u00e9gu\u00e9s des fonds op\u00e9rationnels propres de la plateforme. Verifo est un \u00e9tablissement de monnaie \u00e9lectronique agr\u00e9\u00e9 bas\u00e9 en Lituanie.<\/p>\r\n<p>Contrairement aux d\u00e9p\u00f4ts bancaires traditionnels, il n&#8217;existe aucun droit \u00e0 une compensation via un syst\u00e8me de garantie des d\u00e9p\u00f4ts. Les investisseurs doivent donc \u00eatre conscients que le capital investi est soumis \u00e0 un risque r\u00e9el de perte, que les rendements ne sont pas garantis et qu&#8217;il peut ne pas \u00eatre possible de r\u00e9cup\u00e9rer la totalit\u00e9 du montant investi.<\/p>\r\n<h4 data-pm-slice=\"1 1 []\">Income Insights Podcast<\/h4>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18242 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png\" alt=\"Income-Marketplace-Avis-Podcast-Income-Insights\" width=\"400\" height=\"400\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-768x768.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-70x70.png 70w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/400;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18242\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png\" alt=\"Income-Marketplace-Avis-Podcast-Income-Insights\" width=\"400\" height=\"400\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-768x768.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-70x70.png 70w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"1027\" data-end=\"1158\">Depuis sa cr\u00e9ation, Income Marketplace se distingue par son haut niveau de transparence et sa communication ouverte.<\/p>\r\n<p data-start=\"1160\" data-end=\"1358\">Cela inclut le podcast \u00ab Income Insights \u00bb, lanc\u00e9 en novembre 2023, dont l\u2019objectif est de mieux informer les investisseurs sur la plateforme P2P et sur les d\u00e9veloppements des diff\u00e9rents pr\u00eateurs.<\/p>\r\n<p data-start=\"1360\" data-end=\"1514\">L\u2019invit\u00e9 principal est Kimmo Rytk\u00f6nen, fondateur d\u2019Income, mais d\u2019autres membres de l\u2019\u00e9quipe et pr\u00eateurs actifs sur la plateforme participent \u00e9galement.<\/p>\r\n<p data-start=\"1516\" data-end=\"1824\">En raison de ma longue relation avec l\u2019entreprise et des \u00e9changes \u00e9troits avec les parties impliqu\u00e9es, on m\u2019a demand\u00e9 d\u2019animer ce nouveau format. Mon approche consiste \u00e0 examiner de mani\u00e8re critique les \u00e9volutions de la plateforme et \u00e0 fournir aux investisseurs un aper\u00e7u r\u00e9aliste des d\u00e9fis du marketplace.<\/p>\r\n<p data-start=\"1826\" data-end=\"1971\">Le podcast Income Insights est disponible sur toutes les principales plateformes de streaming ainsi que sur <a href=\"https:\/\/www.youtube.com\/@incomemarketplace4497\" target=\"_blank\" rel=\"noopener\"><strong>la cha\u00eene YouTube de la plateforme<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h3>Stabilit\u00e9 Financi\u00e8re<\/h3>\r\n<p>La stabilit\u00e9 financi\u00e8re d&#8217;une plateforme P2P est un facteur de risque cl\u00e9. Income Marketplace est-elle en mesure d&#8217;op\u00e9rer de mani\u00e8re rentable ? Et quelle est la solidit\u00e9 financi\u00e8re de l&#8217;entreprise ?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Rapport Annuel<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/06\/Aruanne_16014116-EN.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tIncome Company O\u00dc \u2013 Rapport Annuel 2025\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditeur: Non Disponible<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Aucun cabinet d&#039;audit externe impliqu\u00e9.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-yellow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Norme: GAAP estonien<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Norme locale, non comparable au niveau international.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<h4>Rentabilit\u00e9<\/h4>\r\n<p>Income Marketplace n&#8217;est actuellement pas rentable. Un aper\u00e7u du dernier rapport annuel r\u00e9v\u00e8le que l&#8217;entreprise a cl\u00f4tur\u00e9 l&#8217;ann\u00e9e 2025 avec une perte de <span style=\"color: #000000;\">437 981<\/span>\u00a0EUR.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-35264 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png\" alt=\"\" width=\"1200\" height=\"454\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-300x114.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-1024x387.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-768x291.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/454;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-35264\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png\" alt=\"\" width=\"1200\" height=\"454\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-300x114.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-1024x387.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-768x291.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p>Selon les pr\u00e9visions actuelles, l&#8217;entreprise pr\u00e9voit d&#8217;atteindre l&#8217;\u00e9quilibre financier mensuel d&#8217;ici la fin de l&#8217;ann\u00e9e 2025. Pour y parvenir, Income n\u00e9cessite des actifs sous gestion d&#8217;environ 30 millions d&#8217;EUR. Jusqu&#8217;\u00e0 ce que la rentabilit\u00e9 soit atteinte avec des fonds propres, les actionnaires de la plateforme sont pr\u00eats \u00e0 financer la croissance suppl\u00e9mentaire avec du capital propre.<\/p>\r\n<hr \/>\r\n<h3 data-start=\"504\" data-end=\"536\">Risque du Pr\u00eateur<\/h3>\r\n<p data-start=\"538\" data-end=\"967\">Income Marketplace se pr\u00e9sente comme la \u00ab plateforme la plus s\u00fbre pour investir dans des pr\u00eats \u00bb. La plateforme met en avant des dispositifs de s\u00e9curit\u00e9 tels que les \u00ab Junior Shares \u00bb et le \u00ab Cashflow Buffer \u00bb. La question pour les investisseurs est de savoir s\u2019il s\u2019agit simplement d\u2019affirmations marketing ou si ces m\u00e9canismes repr\u00e9sentent v\u00e9ritablement des dispositifs de s\u00e9curit\u00e9 innovants r\u00e9duisant efficacement le risque.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-11255 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg\" alt=\"income-marketplace-avis-Risques\" width=\"810\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-300x74.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-768x189.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten.jpg 1524w\" data-sizes=\"(max-width: 810px) 100vw, 810px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 810px; --smush-placeholder-aspect-ratio: 810\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-11255\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg\" alt=\"income-marketplace-avis-Risques\" width=\"810\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-300x74.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-768x189.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten.jpg 1524w\" sizes=\"(max-width: 810px) 100vw, 810px\" \/><\/noscript><\/a><\/p>\r\n<h4><strong>Obligation de Rachat<\/strong><\/h4>\r\n<p data-start=\"524\" data-end=\"826\">Income Marketplace propose une garantie de rachat traditionnelle, qui fonctionne de mani\u00e8re similaire \u00e0 celles des autres plateformes P2P. Si un pr\u00eat pr\u00e9sente un retard de plus de 60 jours, le pr\u00eateur est tenu de le racheter, en remboursant le principal ainsi que les int\u00e9r\u00eats accumul\u00e9s.<\/p>\r\n<p data-start=\"828\" data-end=\"1005\">Comme c\u2019est souvent le cas, les investisseurs doivent garder \u00e0 l\u2019esprit qu\u2019une garantie n\u2019est fiable que dans la mesure de la solidit\u00e9 financi\u00e8re de l\u2019\u00e9metteur qui la fournit.<\/p>\r\n<h4><strong>Actions Junior<\/strong><\/h4>\r\n<p>Les Actions Junior sont une version modifi\u00e9e du concept classique de &#8220;skin in the game&#8221;. L\u2019hypoth\u00e8se g\u00e9n\u00e9rale est que les pr\u00eateurs doivent \u00eatre \u00e9galement motiv\u00e9s pour collecter les cr\u00e9ances en cas de d\u00e9faut. Les deux parties, investisseurs et pr\u00eateurs, sont \u00e9gales dans ce cas.<\/p>\r\n<p>Les Actions Junior sur Income Marketplace diff\u00e8rent dans la mesure o\u00f9 la part de &#8220;skin in the game&#8221; du pr\u00eateur est enregistr\u00e9e comme une dette junior. Cela signifie que, dans le cas d&#8217;un d\u00e9faut, les pr\u00eateurs ont une priorit\u00e9 de remboursement plus basse. Ce n\u2019est que lorsque toutes les cr\u00e9ances impay\u00e9es des investisseurs ont \u00e9t\u00e9 enti\u00e8rement rembours\u00e9es que le pr\u00eateur peut r\u00e9cup\u00e9rer sa part. En cons\u00e9quence, les investisseurs b\u00e9n\u00e9ficient d\u2019un traitement pr\u00e9f\u00e9rentiel en cas de d\u00e9faut.<\/p>\r\n<p>Pour l\u2019ex\u00e9cution, des v\u00e9hicules \u00e0 usage sp\u00e9cial (SPV) ont \u00e9t\u00e9 cr\u00e9\u00e9s, garantissant que les remboursements des emprunteurs soient directement sous le contr\u00f4le d\u2019Income Marketplace. Les pr\u00eateurs doivent \u00e9galement transf\u00e9rer leur part individuelle des Junior Shares dans cette structure.<\/p>\r\n<h4><strong>Buffer de Cashflow<\/strong><\/h4>\r\n<p>Sur Income Marketplace, l&#8217;action junior est destin\u00e9e en particulier \u00e0 couvrir le risque de d\u00e9faut des emprunteurs et \u00e0 encourager les pr\u00eateurs \u00e0 faire de leur mieux. Le buffer de cashflow, quant \u00e0 lui, est con\u00e7u pour couvrir le risque d&#8217;un d\u00e9faut potentiel de pr\u00eateur.<\/p>\r\n<p>Le buffer de cashflow est compos\u00e9 de plusieurs aspects. Il combine :<\/p>\r\n<ul>\r\n<li>La rentabilit\u00e9 des pr\u00eats du portefeuille du pr\u00eateur<\/li>\r\n<li>L\u2019ajustement du risque par Income Marketplace<\/li>\r\n<li>Les Actions Junior<\/li>\r\n<\/ul>\r\n<p>En r\u00e9alit\u00e9, Income Marketplace \u00e9value la qualit\u00e9 du portefeuille de pr\u00eats des pr\u00eateurs et calcule combien d\u2019argent ces pr\u00eats g\u00e9n\u00e8rent de mani\u00e8re globale (voir &#8220;coefficient historique de remboursement&#8221; dans le graphique) et quelle est leur rentabilit\u00e9. Cela d\u00e9termine la valeur du collat\u00e9ral, de mani\u00e8re similaire aux pr\u00eats hypoth\u00e9caires.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11262 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png\" alt=\"income-marketplace-review-cashflow-buffer\" width=\"768\" height=\"572\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer-300x223.png 300w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/572;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11262 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png\" alt=\"income-marketplace-review-cashflow-buffer\" width=\"768\" height=\"572\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer-300x223.png 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/noscript><\/a><\/p>\r\n<p>Apr\u00e8s avoir pris en compte d\u2019\u00e9ventuels facteurs de risque tels que les fluctuations mon\u00e9taires, les pand\u00e9mies ou d\u2019autres \u00e9l\u00e9ments r\u00e9duisant la valeur, le marketplace P2P calcule combien de Junior Shares sont n\u00e9cessaires pour prot\u00e9ger pleinement les investisseurs dans un sc\u00e9nario probl\u00e9matique. Pour cette raison, les Junior Shares d\u00e9tenus par les pr\u00eateurs \u2014 en moyenne de 20 % \u00e0 35 % \u2014 sont nettement sup\u00e9rieurs \u00e0 la part classique de \u00ab Skin in the Game \u00bb, qui se situe g\u00e9n\u00e9ralement entre 5 % et 10 %.<\/p>\r\n<hr \/>\r\n<h3 data-start=\"518\" data-end=\"551\">Analyse du Pr\u00eateur<\/h3>\r\n<p data-start=\"553\" data-end=\"930\" data-is-last-node=\"\" data-is-only-node=\"\">Ind\u00e9pendamment de l\u2019\u00e9valuation de la plateforme elle-m\u00eame, les investisseurs doivent examiner de mani\u00e8re autonome le profil de risque de chaque pr\u00eateur. Pour \u00e9valuer la stabilit\u00e9 financi\u00e8re, le tableau suivant fournit un aper\u00e7u des chiffres financiers actuels. <span style=\"font-size: 1.125rem;\">Consultez la page de <a href=\"https:\/\/rethink-p2p.de\/fr\/comparaison-plateformes-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>pr\u00e9sentation et de comparaison des pr\u00eateurs<\/strong><\/a> pour obtenir des informations suppl\u00e9mentaires sur les indicateurs cl\u00e9s appliqu\u00e9s et leur interpr\u00e9tation.<\/span><\/p>\r\n<p data-start=\"553\" data-end=\"930\" data-is-last-node=\"\" data-is-only-node=\"\"><figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Pr\u00eateur<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Ann\u00e9e<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audit\u00e9<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>F. Propres<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidit\u00e9<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Pertes<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"virtus xk\">Virtus (XK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/05\/Virtus-Lending-L.L.C-Auditors-Report-and-Financial-Statements-2025-IFRS-compressed.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"372478\">EUR 372K<\/td><td class=\"stabil\" data-sort=\"3.3\">3,3%<\/td><td class=\"risiko\" data-sort=\"11.4\">11,4%<\/td><td class=\"kritisch\" data-sort=\"0.46\">0,46<\/td><td class=\"stark\" data-sort=\"2.6\">2,6%<\/td><td class=\"stabil\" data-sort=\"75\">75<\/td><\/tr><tr><td data-sort=\"itf group bg\">ITF Group (BG)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/10\/ITF-FS-31.12.25._EN-translation-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"ecovis\">Ecovis<\/td><td class=\"stark\" data-sort=\"2790631\">EUR 2,8M<\/td><td class=\"stark\" data-sort=\"11.1\">11,1%<\/td><td class=\"stabil\" data-sort=\"29.8\">29,8%<\/td><td class=\"stabil\" data-sort=\"1.61\">1,61<\/td><td class=\"kritisch\" data-sort=\"43.6\">43,6%<\/td><td class=\"mittel\" data-sort=\"69\">69<\/td><\/tr><tr><td data-sort=\"autofino lt\">Autofino (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/10\/Autofino-FS_2025-audited.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"vitkevicius\">Vitkevicius<\/td><td class=\"stark\" data-sort=\"54639\">EUR 55K<\/td><td class=\"mittel\" data-sort=\"1.3\">1,3%<\/td><td class=\"risiko\" data-sort=\"13.8\">13,8%<\/td><td class=\"risiko\" data-sort=\"0.65\">0,65<\/td><td class=\"stabil\" data-sort=\"8.9\">8,9%<\/td><td class=\"mittel\" data-sort=\"62\">62<\/td><\/tr><tr><td data-sort=\"danakredi id\">DanaKredi (ID)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/09\/Danakredi-FS-Consolidation-Jan-Dec-2025-Group.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stark\" data-sort=\"4109049\">EUR 4,1M<\/td><td class=\"stark\" data-sort=\"9.4\">9,4%<\/td><td class=\"stark\" data-sort=\"74.4\">74,4%<\/td><td class=\"stark\" data-sort=\"3\">3,00<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"59\">59<\/td><\/tr><tr><td data-sort=\"simpleros es\">Simpleros (ES)<\/td><td data-sort=\"2024\"><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><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stark\" data-sort=\"200762\">EUR 201K<\/td><td class=\"stark\" data-sort=\"12.3\">12,3%<\/td><td class=\"stabil\" data-sort=\"31.3\">31,3%<\/td><td class=\"stark\" data-sort=\"2.28\">2,28<\/td><td class=\"kritisch\" data-sort=\"56.2\">56,2%<\/td><td class=\"mittel\" data-sort=\"59\">59<\/td><\/tr><tr><td data-sort=\"hoovi ee\">Hoovi (EE)<\/td><td data-sort=\"2024\"><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><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stark\" data-sort=\"661523\">EUR 662K<\/td><td class=\"stark\" data-sort=\"9.9\">9,9%<\/td><td class=\"risiko\" data-sort=\"12.1\">12,1%<\/td><td class=\"risiko\" data-sort=\"0.54\">0,54<\/td><td class=\"stabil\" data-sort=\"12.3\">12,3%<\/td><td class=\"mittel\" data-sort=\"58\">58<\/td><\/tr><tr><td data-sort=\"ibancar es\">Ibancar (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/05\/Ibancar_FY2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stark\" data-sort=\"730000\">EUR 730K<\/td><td class=\"stabil\" data-sort=\"3.4\">3,4%<\/td><td class=\"risiko\" data-sort=\"14.6\">14,6%<\/td><td class=\"\"><\/td><td class=\"stark\" data-sort=\"1\">1,0%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"pinjam yuk id\">Pinjam Yuk (ID)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/04\/Surfin-and-Pinjam-Yuk-Financials-to-Get-Income_Apr-2026-Yang-Li.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stabil\" data-sort=\"10553191\">EUR 10,6M<\/td><td class=\"stark\" data-sort=\"21.9\">21,9%<\/td><td class=\"stark\" data-sort=\"57\">57,0%<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"64.4\">64,4%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"mocasa ph\">Mocasa (PH)<\/td><td data-sort=\"2025\"><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><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"kritisch\" data-sort=\"-166762\">EUR (167K)<\/td><td class=\"kritisch\" data-sort=\"-7\">(7,0%)<\/td><td class=\"stark\" data-sort=\"42.8\">42,8%<\/td><td class=\"stabil\" data-sort=\"1.5\">1,50<\/td><td class=\"kritisch\" data-sort=\"67.8\">67,8%<\/td><td class=\"risiko\" data-sort=\"46\">46<\/td><\/tr><tr><td data-sort=\"one leasing mk\">One Leasing (MK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/07\/Audit-report-ONE-LEASING-2025-eng.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"russell bedford\">Russell Bedford<\/td><td class=\"kritisch\" data-sort=\"-129494\">EUR (129K)<\/td><td class=\"kritisch\" data-sort=\"-11.7\">(11,7%)<\/td><td class=\"kritisch\" data-sort=\"-12.5\">(12,5%)<\/td><td class=\"kritisch\" data-sort=\"0.06\">0,06<\/td><td class=\"kritisch\" data-sort=\"15\">15,0%*<\/td><td class=\"kritisch\" data-sort=\"32\">32<\/td><\/tr><tr><td data-sort=\"current auto lt\">Current Auto (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/09\/Current-LT-FS-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stabil\" data-sort=\"360491\">EUR 360K<\/td><td class=\"stabil\" data-sort=\"3.4\">3,4%<\/td><td class=\"kritisch\" data-sort=\"0\">0,0%<\/td><td class=\"kritisch\" data-sort=\"0.16\">0,16<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"27\">27<\/td><\/tr><tr><td data-sort=\"sandfield gb\">Sandfield (GB)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/08\/Sanfield-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stabil\" data-sort=\"2382174\">EUR 2,4M<\/td><td class=\"stark\" data-sort=\"8.5\">8,5%<\/td><td class=\"kritisch\" data-sort=\"-0.7\">(0,7%)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"27\">27<\/td><\/tr><tr class=\"kg-ns\"><td data-sort=\"danabijak id\">Danabijak (ID)<\/td><td data-sort=\"2023\"><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><td class=\"mittel\" data-sort=\"kreston\">Kreston<\/td><td class=\"stark\" data-sort=\"15943\">EUR 16K<\/td><td class=\"mittel\" data-sort=\"2.6\">2,6%<\/td><td class=\"mittel\" data-sort=\"21.4\">21,4%<\/td><td class=\"risiko\" data-sort=\"0.66\">0,66<\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><\/tbody><\/table><\/figure><script data-category=\"functional\" src=\"https:\/\/rethink-p2p.de\/wp-content\/themes\/maxwell\/kreditgeber-sort.js?v=1787559527\"><\/script>\r\n<p>Les chiffres de DanaKredi et Danabijak ont \u00e9t\u00e9 convertis de IDR en EUR, tout comme ceux du ITF Group de BNG en EUR.<\/p>\r\n<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">D\u00e9fauts des \u00c9metteurs de Pr\u00eats<\/h4>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22208 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png\" alt=\"Income-Marketplace-Erfahrungen-Avis-ClickCash\" width=\"494\" height=\"164\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png 494w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash-300x100.png 300w\" data-sizes=\"(max-width: 494px) 100vw, 494px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 494px; --smush-placeholder-aspect-ratio: 494\/164;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22208 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png\" alt=\"Income-Marketplace-Erfahrungen-Avis-ClickCash\" width=\"494\" height=\"164\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png 494w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash-300x100.png 300w\" sizes=\"(max-width: 494px) 100vw, 494px\" \/><\/noscript><\/a>En octobre 2022, l&#8217;\u00e9metteur de pr\u00eats br\u00e9silien ClickCash a \u00e9t\u00e9 <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/getincome.com\/blog\/clickcash-suspended-from-listings\/\">suspendu de la plateforme<\/a><\/strong>. Au moment de la suspension, les cr\u00e9ances en suspens s&#8217;\u00e9levaient \u00e0 environ 180 000 euros, tandis que le flux de tr\u00e9sorerie du portefeuille de pr\u00eats nanti n&#8217;aurait \u00e9t\u00e9 que d&#8217;environ 50 000 euros. Cette affaire soul\u00e8ve la question de savoir pourquoi Income n&#8217;a pas suivi la surveillance des droits de gage de mani\u00e8re plus rigoureuse, ce qui aurait permis une d\u00e9tection pr\u00e9coce du probl\u00e8me.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">Depuis le d\u00e9faut de paiement, Income Marketplace a effectu\u00e9 douze paiements mensuels de 5 000 euros chacun sur ses propres fonds. Les cr\u00e9ances encore en suspens s&#8217;\u00e9l\u00e8vent actuellement \u00e0 environ 88 000 euros (au juin 2026).<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Avantages_et_Inconvenients\"><\/span><strong>Avantages et Inconv\u00e9nients<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Dans cette section, j&#8217;ai list\u00e9 les principaux avantages et inconv\u00e9nients d&#8217;Income Marketplace.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Avantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Op\u00e9rationnelle depuis 2021<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Qualit\u00e9 du portefeuille:<\/strong> Taux de d\u00e9faut durablement bas (&lt; 5%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Pertes:<\/strong> Aucune perte en capital n&#8217;a \u00e9t\u00e9 enregistr\u00e9e par les investisseurs sur la plateforme \u00e0 ce jour<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Option d&#8217;investissement automatis\u00e9 disponible<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Rendements:<\/strong> Taux d&#8217;int\u00e9r\u00eat comp\u00e9titifs sur le march\u00e9 des pr\u00eats P2P<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Co\u00fbts:<\/strong> Aucune commission ni frais pour les investisseurs<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Inconv\u00e9nients<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>R\u00e9glementation:<\/strong> Aucune licence d&#8217;investissement ni contr\u00f4le par une autorit\u00e9 de surveillance financi\u00e8re<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidit\u00e9:<\/strong> Aucun march\u00e9 secondaire ni option de sortie anticip\u00e9e<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Rentabilit\u00e9:<\/strong> La plateforme n&#8217;op\u00e8re pas actuellement \u00e0 un niveau rentable<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Resume_de_la_Revue_Income_Marketplace\"><\/span>R\u00e9sum\u00e9 de la Revue Income Marketplace<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-21476 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png\" alt=\"Income-Marketplace-Avis-R\u00e9sum\u00e9\" width=\"500\" height=\"290\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-300x174.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-768x445.png 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/290;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-21476 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png\" alt=\"Income-Marketplace-Avis-R\u00e9sum\u00e9\" width=\"500\" height=\"290\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-300x174.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-768x445.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"1304\" data-end=\"1396\">Quelle est la conclusion pr\u00e9liminaire de cette analyse d\u2019Income Marketplace ?<\/p>\r\n<p data-start=\"1398\" data-end=\"1691\">Income Marketplace est une plateforme P2P ambitieuse et innovante bas\u00e9e en Estonie, que je suis de pr\u00e8s depuis sa cr\u00e9ation. J\u2019investis activement sur la plateforme depuis avril 2022, p\u00e9riode durant laquelle mon portefeuille a d\u00e9pass\u00e9 25 000 EUR avec une performance totale sup\u00e9rieure \u00e0 13 %.<\/p>\r\n<p data-start=\"1693\" data-end=\"1992\">La promotion de la plateforme comme la &#8220;plus s\u00fbre&#8221; pour investir dans des pr\u00eats peut \u00eatre quelque peu ambitieuse. N\u00e9anmoins, le parcours jusqu\u2019\u00e0 pr\u00e9sent est impressionnant : les investisseurs n\u2019ont pas encore subi de pertes, et le taux de d\u00e9faut reste constamment inf\u00e9rieur \u00e0 1 % des actifs g\u00e9r\u00e9s.<\/p>\r\n<p data-start=\"1994\" data-end=\"2192\">Les investisseurs doivent cependant prendre en compte le manque de r\u00e9gulation et de rentabilit\u00e9 de la plateforme. Income Marketplace peut donc ne pas convenir aux investisseurs tr\u00e8s conservateurs.<\/p>\r\n<p data-start=\"2194\" data-end=\"2533\" data-is-last-node=\"\" data-is-only-node=\"\">En dehors de ces consid\u00e9rations, Income Marketplace pr\u00e9sente un profil global tr\u00e8s attractif, combinant une excellente qualit\u00e9 de portefeuille, une grande transparence et des rendements comp\u00e9titifs. Pour les investisseurs qui valorisent ces caract\u00e9ristiques, Income Marketplace repr\u00e9sente une alternative solide pour leur portefeuille P2P.<\/p>\r\n\n    <style>\n      #rtp-bonusbox-6acafbde819d7 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acafbde819d7 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acafbde819d7 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acafbde819d7 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acafbde819d7 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acafbde819d7{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acafbde819d7:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acafbde819d7 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acafbde819d7 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acafbde819d7\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript><\/noscript><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:84%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4,2)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">Bonus pour nouveaux investisseurs<\/div>\n          <p>Les nouveaux investisseurs re\u00e7oivent 1% de cashback sur le montant moyen pond\u00e9r\u00e9 investi durant les 30 premiers jours suivant l'inscription. Le bonus est plafonn\u00e9 \u00e0 500 \u20ac et vers\u00e9 40 jours apr\u00e8s l'inscription.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acafbde819d7\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-income\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Investir maintenant<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<hr \/>\r\n<h3>Alternatives \u00e0 Income Marketplace<\/h3>\r\n<p>Vous investissez d\u00e9j\u00e0 sur Income Marketplace ? Ou vous recherchez des plateformes similaires ? Voici trois alternatives \u00e0 Income Marketplace sur le march\u00e9 P2P.<\/p>\r\n<p><strong>PeerBerry :<\/strong> Un marketplace P2P constitu\u00e9 en Croatie, travaillant \u00e9troitement avec des partenaires au sein du Groupe Aventus. Comme Income Marketplace, PeerBerry se distingue par une performance notablement forte en p\u00e9riode de crise et une qualit\u00e9 de remboursement fiable. Les deux plateformes ciblent les investisseurs qui recherchent une combinaison attractive de taux d&#8217;int\u00e9r\u00eat \u00e9lev\u00e9s et de haute liquidit\u00e9. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/\">avis PeerBerry<\/a><\/strong>.<\/p>\r\n<p><strong>Nectaro :<\/strong> Un marketplace P2P r\u00e9gul\u00e9 bas\u00e9 en Lettonie, op\u00e9rant sous la r\u00e9glementation MiFID II et soutenu par un groupe internationalement \u00e9tabli. Les pr\u00eats sont principalement utilis\u00e9s pour financer les op\u00e9rations de cr\u00e9dit de la soci\u00e9t\u00e9 m\u00e8re. Les \u00e9metteurs de pr\u00eats affili\u00e9s offrent des taux d&#8217;int\u00e9r\u00eat comp\u00e9titifs et un solide historique. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/nectaro-avis\/\">avis Nectaro<\/a><\/strong>.<\/p>\r\n<p><strong>Mintos :<\/strong> La plus grande plateforme P2P en Europe avec plus de 800 millions d&#8217;euros d&#8217;actifs sous gestion. Compar\u00e9 \u00e0 Income Marketplace, Mintos offre une s\u00e9lection notablement plus large d&#8217;\u00e9metteurs de pr\u00eats internationaux et de classes d&#8217;actifs, notamment des pr\u00eats, des ETF et des obligations, dans un environnement de plateforme r\u00e9gul\u00e9. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/mintos-avis\/\">avis Mintos<\/a><\/strong>.<\/p>\r\n<p>Vous pouvez trouver d&#8217;autres alternatives \u00e0 Income Marketplace sur la page <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/comparaison-plateformes-p2p\/\">Comparaison Plateformes P2P<\/a><\/strong>.<\/p>\r\n<hr \/>\r\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>Liens d\u2019Affiliation \/ Conflits d\u2019Int\u00e9r\u00eats<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>D\u00e9charge de Responsabilit\u00e9<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Liens d\u2019Affiliation \/ Conflits d\u2019Int\u00e9r\u00eats&lt;\/strong&gt;\">Cet article contient des liens d\u2019affiliation. Si vous vous inscrivez et\/ou investissez via l\u2019un de ces liens, l\u2019op\u00e9rateur re\u00e7oit une commission. Cette r\u00e9mun\u00e9ration n\u2019influence en rien l\u2019opinion ni l\u2019\u00e9valuation de la plateforme. Les \u00e9ventuels conflits d\u2019int\u00e9r\u00eats peuvent \u00eatre consult\u00e9s sur la page \u00ab <a href=\"https:\/\/rethink-p2p.de\/fr\/portefeuille-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>Portefeuille P2P<\/strong><\/a> \u00bb.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;D\u00e9charge de Responsabilit\u00e9&lt;\/strong&gt;\">Les investissements dans les pr\u00eats P2P comportent des risques et peuvent entra\u00eener la perte totale du capital investi. Les performances pass\u00e9es ne constituent pas un indicateur fiable des d\u00e9veloppements futurs. Le contenu suivant est fourni uniquement \u00e0 titre informatif et ne constitue pas un conseil en investissement. Malgr\u00e9 des recherches minutieuses, aucune garantie n\u2019est donn\u00e9e quant \u00e0 l\u2019exactitude, l\u2019exhaustivit\u00e9 ou l\u2019actualit\u00e9 des informations fournies. Aucune responsabilit\u00e9 n\u2019est assum\u00e9e pour les pertes financi\u00e8res ou les d\u00e9cisions d\u2019investissement bas\u00e9es sur les informations pr\u00e9sent\u00e9es ici. Pour plus de d\u00e9tails, consultez <a href=\"https:\/\/rethink-p2p.de\/fr\/decharge-de-responsabilite\/\" target=\"_blank\" rel=\"noopener\"><strong>l\u2019avis de non-responsabilit\u00e9 complet<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Income_Marketplace_Avis\"><\/span>FAQ Income Marketplace Avis<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1774255852243\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Qu&#8217;est-ce que Income Marketplace ?<\/strong>\r\n<p class=\"schema-faq-answer\">Income Marketplace est un march\u00e9 P2P bas\u00e9 en Estonie, op\u00e9rationnel depuis janvier 2021, o\u00f9 les investisseurs peuvent investir dans des pr\u00eats avec garantie de rachat provenant d&#8217;originateurs internationaux. Les rendements atteignent jusqu&#8217;\u00e0 15%. La plateforme se commercialise gr\u00e2ce \u00e0 des concepts de s\u00e9curit\u00e9 innovants tels que le Junior Share et le Cashflow Buffer.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774255854050\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Quel rendement puis-je attendre avec Income Marketplace ?<\/strong>\r\n<p class=\"schema-faq-answer\">Les taux d&#8217;int\u00e9r\u00eat atteignent jusqu&#8217;\u00e0 15% selon l&#8217;originateur, avec un plafond fix\u00e9 par la plateforme. Mon rendement total personnel depuis avril 2022 est de 13,24%, avec un portefeuille constitu\u00e9 de plus de 25 000 \u20ac.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774255854682\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Que sont le Junior Share et le Cashflow Buffer ?<\/strong>\r\n<p class=\"schema-faq-answer\">Le Junior Share est une dette subordonn\u00e9e de l&#8217;originateur qui n&#8217;est rembours\u00e9e qu&#8217;apr\u00e8s r\u00e8glement complet de toutes les cr\u00e9ances des investisseurs en cas de d\u00e9faut. Le Cashflow Buffer analyse la rentabilit\u00e9 du portefeuille de l&#8217;originateur et d\u00e9termine le nombre de Junior Shares n\u00e9cessaires pour prot\u00e9ger enti\u00e8rement les investisseurs. Ces deux m\u00e9canismes vont au-del\u00e0 d&#8217;une garantie de rachat classique.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774255855361\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Income Marketplace est-elle r\u00e9glement\u00e9e ?<\/strong>\r\n<p class=\"schema-faq-answer\">Non. Income Marketplace n&#8217;est supervis\u00e9e par aucune autorit\u00e9 financi\u00e8re. Il n&#8217;existe pas non plus de syst\u00e8me de garantie des d\u00e9p\u00f4ts. Cependant, le taux de recouvrement est historiquement rest\u00e9 sous 1% des actifs g\u00e9r\u00e9s, et les investisseurs n&#8217;ont pas subi de pertes en capital \u00e0 ce jour.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775039943944\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Existe-t-il un bonus pour s&#8217;inscrire sur Income Marketplace ?<\/strong>\r\n<p class=\"schema-faq-answer\">Oui. Les nouveaux investisseurs s&#8217;inscrivant via mon lien partenaire b\u00e9n\u00e9ficient d&#8217;un cashback illimit\u00e9 de 1% sur tous les investissements effectu\u00e9s dans les 30 premiers jours suivant l&#8217;inscription.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36848,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Income Marketplace Avis 2026 : 13 % de rendement depuis 2022 !<\/title>\n<meta name=\"description\" content=\"Income Marketplace Avis 2026 : 13 % de rendement depuis 2022 ! 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