{"id":25724,"date":"2021-04-27T06:00:00","date_gmt":"2021-04-27T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/peerberry-review-2025-top-5-p2p-lending-platform\/"},"modified":"2026-09-28T17:59:58","modified_gmt":"2026-09-28T15:59:58","slug":"peerberry-avis","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/","title":{"rendered":"PeerBerry 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;\">PeerBerry est un marketplace P2P enregistr\u00e9 en Croatie. La plateforme a lanc\u00e9 ses op\u00e9rations en novembre 2017.<\/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;\">Sur PeerBerry, les investisseurs peuvent investir dans des pr\u00eats \u00e0 la consommation garantis par un rachat et obtenir un rendement allant jusqu&#8217;\u00e0 10%.<\/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 principalement utilis\u00e9e comme canal de financement pour les op\u00e9rations de cr\u00e9dit du Groupe Aventus, un pr\u00eateur non bancaire important et internationalement \u00e9tabli.<\/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;\">Trois ans apr\u00e8s le d\u00e9but de la guerre en Ukraine, les partenaires de PeerBerry ont rembours\u00e9 avec succ\u00e8s tous les pr\u00eats affect\u00e9s par la guerre, totalisant 51,4 millions d&#8217;euros, aux investisseurs concern\u00e9s.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6acb0b6680748 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acb0b6680748 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acb0b6680748 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acb0b6680748 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acb0b6680748 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acb0b6680748{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acb0b6680748:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acb0b6680748 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acb0b6680748 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acb0b6680748\" 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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" 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:94%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4,7)<\/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 0,5% de cashback sur tous les investissements r\u00e9alis\u00e9s durant les 90 premiers jours suivant l'inscription.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acb0b6680748\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-peerberry\" 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 PeerBerry depuis juin 2021. Depuis lors, j&#039;ai r\u00e9alis\u00e9 un rendement total (XIRR) de 11,36%. Mon portefeuille en cours sur la plateforme s&#039;\u00e9l\u00e8ve \u00e0 52.043 \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\/peerberry-avis\/#Quest-ce_que_PeerBerry\" title=\"Qu\u2019est-ce que PeerBerry ?\">Qu\u2019est-ce que PeerBerry ?<\/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\/peerberry-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\/peerberry-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\/peerberry-avis\/#Investir_sur_PeerBerry\" title=\"Investir sur PeerBerry\">Investir sur PeerBerry<\/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\/peerberry-avis\/#PeerBerry_Taxes\" title=\"PeerBerry Taxes\">PeerBerry Taxes<\/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\/peerberry-avis\/#Risques_de_PeerBerry\" title=\"Risques de PeerBerry\">Risques de PeerBerry<\/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\/peerberry-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\/peerberry-avis\/#Resume_de_la_Revue_PeerBerry\" title=\"R\u00e9sum\u00e9 de la Revue PeerBerry\">R\u00e9sum\u00e9 de la Revue PeerBerry<\/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\/peerberry-avis\/#FAQ_PeerBerry_Avis\" title=\"FAQ PeerBerry Avis\">FAQ PeerBerry Avis<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Quest-ce_que_PeerBerry\"><\/span>Qu\u2019est-ce que <span style=\"color: #000000;\"><strong>PeerBerry ?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-peerberry\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10291 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/PeerBerry-Bonus.jpg\" alt=\"peerberry-avis-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-10291 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/PeerBerry-Bonus.jpg\" alt=\"peerberry-avis-logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>PeerBerry est un march\u00e9 P2P croate avec des racines lituaniennes, o\u00f9 les investisseurs peuvent placer leur argent dans une vari\u00e9t\u00e9 de pr\u00eats \u00e0 la consommation internationaux, tout en obtenant un rendement pouvant aller jusqu&#8217;\u00e0 10 %.<\/p>\r\n<p>Le lancement op\u00e9rationnel de la plateforme a eu lieu en novembre 2017, ce qui conf\u00e8re \u00e0 PeerBerry une exp\u00e9rience relativement longue dans le domaine du pr\u00eat P2P. En tenant compte du volume de pr\u00eats financ\u00e9s, qui a d\u00e9pass\u00e9 la barre des 2 milliards d&#8217;euros en 2023, ce march\u00e9 P2P est actuellement l&#8217;une des plateformes les plus importantes et \u00e0 la croissance la plus rapide en Europe.<\/p>\r\n<p>Le moteur de PeerBerry est le groupe Aventus, un pr\u00eateur non bancaire international qui propose une large gamme de pr\u00eats \u00e0 la consommation et aux entreprises pour financement sur la plateforme.<\/p>\r\n<p>Gr\u00e2ce \u00e0 sa r\u00e9putation d&#8217;entreprise ayant fait ses preuves en temps de crise ces derni\u00e8res ann\u00e9es, PeerBerry obtient r\u00e9guli\u00e8rement des classements \u00e9lev\u00e9s lors des votes annuels de la communaut\u00e9, o\u00f9 elle n&#8217;est jamais descendue en dessous de la sixi\u00e8me place.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Fiche PeerBerry<\/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 PeerBerry 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>Juin 2017 \/ Novembre 2017<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nom Juridique :<\/strong><\/td>\r\n<td>PeerBerry d.o.o. (<strong><a href=\"https:\/\/sudreg.pravosudje.hr\/registar\/f?p=150:28:0::NO:28:P28_SBT_MBS:081265885\" target=\"_blank\" rel=\"noopener\">LINK<\/a><\/strong>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\r\n<td>Zagreb, Croatie<\/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>PDG :<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/arunas-lekavicius-23346017b\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Arunas Lekavicius<\/strong><\/a> (Janvier 2019)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Actifs sous Gestion :<\/strong><\/td>\r\n<td>157,6+ millions d'euros<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nombre d&#8217;Investisseurs :<\/strong><\/td>\r\n<td>121\u00a0000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Rendement Attendu :<\/strong><\/td>\r\n<td>Jusqu'\u00e0 11,0%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Score de S\u00e9curit\u00e9 :<\/strong><\/td>\r\n<td>7,6 \/ 10 (Rang 5 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<\/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 PeerBerry :<\/p>\r\n<p><iframe loading=\"lazy\" title=\"PeerBerry Review After 2 Years and \u20ac26.000+\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/K_ZwcY65Wkw?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 des Origines<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-1024x1024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-9014 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-1024x1024.jpg\" alt=\"peerberry-avis-ceo\" width=\"400\" height=\"400\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-1024x1024.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-300x300.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-150x150.jpg 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-768x768.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-1536x1536.jpg 1536w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO.jpg 1600w\" 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-9014\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-1024x1024.jpg\" alt=\"peerberry-avis-ceo\" width=\"400\" height=\"400\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-1024x1024.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-300x300.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-150x150.jpg 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-768x768.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO-1536x1536.jpg 1536w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/04\/PeerBerry-CEO.jpg 1600w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"0\" data-end=\"317\">PeerBerry entretient des liens \u00e9troits avec le groupe Aventus, une entreprise fond\u00e9e en 2009. Actuellement, Aventus regroupe 12 soci\u00e9t\u00e9s internationales de pr\u00eat non bancaire, qui financent principalement des pr\u00eats \u00e0 la consommation \u00e0 court terme et non garantis. La majorit\u00e9 de ces entreprises sont situ\u00e9es en Europe.<\/p>\r\n<p data-start=\"319\" data-end=\"474\">Pour acc\u00e9der \u00e0 des sources de financement moins co\u00fbteuses et plus diversifi\u00e9es pour ses op\u00e9rations de pr\u00eat, Aventus a cr\u00e9\u00e9 la plateforme PeerBerry en 2017.<\/p>\r\n<div class=\"flex max-w-full flex-col flex-grow\">\r\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"718aa828-61a9-44ce-a659-d76b46e3382f\" data-message-model-slug=\"gpt-4o\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\r\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\r\n<p data-start=\"476\" data-end=\"893\" data-is-last-node=\"\">Lors des premi\u00e8res \u00e9tapes de d\u00e9veloppement, PeerBerry a \u00e9t\u00e9 consid\u00e9rablement soutenue par <a href=\"https:\/\/www.linkedin.com\/in\/au%C5%A1ra-%C4%8Diuplien%C4%97-846382126\/\" target=\"_blank\" rel=\"noopener\"><strong>Au\u0161ra \u010ciuplien\u0117<\/strong><\/a>, qui a occup\u00e9 le poste de PDG de la plateforme de septembre 2017 \u00e0 janvier 2019. Un an plus t\u00f4t, elle travaillait d\u00e9j\u00e0 en tant que Chief Risk Officer au sein du groupe Aventus. Dans une <a href=\"https:\/\/youtu.be\/avJeIxn7u9k\" target=\"_blank\" rel=\"noopener\"><strong>interview de juillet 2019<\/strong><\/a>, Au\u0161ra \u00e9voquait les premi\u00e8res ann\u00e9es de la cr\u00e9ation et de la croissance de la plateforme PeerBerry.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h3>Aventus Group<\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Aventus Group est le plus important partenaire de la plateforme PeerBerry et finance une partie de son portefeuille de pr\u00eats par l&#8217;interm\u00e9diaire de cette place de march\u00e9. Le groupe a \u00e9t\u00e9 fond\u00e9 en 2009 et a son si\u00e8ge \u00e0 Vilnius, en Lituanie. Aventus Group r\u00e9unit sous un m\u00eame toit un certain nombre de pr\u00eateurs non bancaires internationaux. Depuis 2009, le groupe a accord\u00e9 des pr\u00eats pour un volume total de plus de 7 milliards d&#8217;euros et, selon ses propres d\u00e9clarations (<strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/peerberry.com\/aventus-group-expands-to-brazil-opening-future-growth-opportunities-for-peerberry-investors\/\">couverture g\u00e9ographique<\/a><\/strong>), figure parmi les plus grands groupes de pr\u00eat en ligne au monde.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18543 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group.png\" alt=\"PeerBerry-Avis-Aventus-Group\" width=\"1000\" height=\"475\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group-300x143.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group-768x365.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\/475;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18543\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group.png\" alt=\"PeerBerry-Avis-Aventus-Group\" width=\"1000\" height=\"475\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group-300x143.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Aventus-Group-768x365.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">L&#8217;offre de cr\u00e9dit du groupe s&#8217;\u00e9tend d\u00e9sormais sur plus de 20 march\u00e9s. Outre son ancrage europ\u00e9en, un nombre croissant de domaines d&#8217;activit\u00e9 se d\u00e9veloppent dans les march\u00e9s \u00e9mergents tels que l&#8217;Inde, les Philippines, le Mexique, la Colombie et, plus r\u00e9cemment, le Br\u00e9sil et l&#8217;Australie. Les pr\u00eats sont principalement des cr\u00e9dits \u00e0 la consommation \u00e0 court terme et non garantis, m\u00eame si la gamme de produits s&#8217;\u00e9largit de plus en plus pour inclure des pr\u00eats \u00e0 plus long terme ainsi que des pr\u00eats aux entreprises et des pr\u00eats immobiliers.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Sur le plan \u00e9conomique, le groupe se pr\u00e9sente comme solide : pour l&#8217;exercice 2025, Aventus Group a d\u00e9clar\u00e9 un b\u00e9n\u00e9fice net de 95,7 millions d&#8217;euros. Le portefeuille total de pr\u00eats du groupe s&#8217;\u00e9levait \u00e0 <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/peerberry.com\/aventus-group-ceo-shares-business-development-plans-5-new-markets-on-the-roadmap\/\">plus de 305 millions d&#8217;euros \u00e0 la fin du mois de mai 2025<\/a><\/strong>.<\/p>\r\n<h3>Mod\u00e8le Commercial<\/h3>\r\n<p>Comment PeerBerry gagne-t-elle de l&#8217;argent ? PeerBerry est une place de march\u00e9 P2P o\u00f9 des pr\u00eateurs externes proposent leurs pr\u00eats \u00e0 financer. Par cons\u00e9quent, PeerBerry se finance principalement gr\u00e2ce aux frais et aux commissions per\u00e7us pour l&#8217;interm\u00e9diation des pr\u00eats.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-27567 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025.png\" alt=\"PeerBerry-Avis-Mon\u00e9tisation\" width=\"1200\" height=\"297\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025-300x74.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025-1024x253.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025-768x190.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\/297;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-27567\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025.png\" alt=\"PeerBerry-Avis-Mon\u00e9tisation\" width=\"1200\" height=\"297\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025-300x74.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025-1024x253.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/PeerBerry-Erfahrungen-Monetarisierung-PeerBerry-Review-Monetization-PeerBerry-Opiniones-PeerBerry-Avis-2025-768x190.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p>La commission appliqu\u00e9e serait comprise entre 1 % et 5 %. Cette fourchette se situe dans la moyenne du march\u00e9. Le pourcentage exact varie en fonction de la qualit\u00e9 du portefeuille de pr\u00eats du pr\u00eateur. Au cours de l\u2019exercice financier 2024, PeerBerry a g\u00e9n\u00e9r\u00e9 un chiffre d\u2019affaires de pr\u00e8s de 2,2 millions d\u2019euros provenant des frais d\u2019interm\u00e9diation.<\/p>\r\n<h3>Visite de PeerBerry<\/h3>\r\n<p>En juin 2024, j&#8217;ai rendu visite \u00e0 l&#8217;\u00e9quipe de PeerBerry \u00e0 Vilnius. Durant ma visite, j&#8217;ai eu l&#8217;opportunit\u00e9 de m&#8217;entretenir avec de nombreux membres de l&#8217;\u00e9quipe, dont la responsable marketing Rita Simanavi\u010di\u016bt\u0117. Particuli\u00e8rement m\u00e9morable \u00e9tait la conversation avec le propri\u00e9taire d&#8217;Aventus, Andrejus Trofimovas. Il a r\u00e9pondu aux questions critiques de mani\u00e8re ouverte et sans d\u00e9tour, notamment concernant l&#8217;absence de rapports financiers audit\u00e9s, la d\u00e9cision de ne pas d\u00e9pr\u00e9cier les actifs ukrainiens et l&#8217;arr\u00eat des op\u00e9rations de cr\u00e9dit en Pologne.<\/p>\r\n<p>Dans l&#8217;ensemble, l&#8217;\u00e9quipe de PeerBerry a laiss\u00e9 une impression tr\u00e8s fiable et professionnelle, ce qui a renforc\u00e9 ma perception personnelle de l&#8217;int\u00e9grit\u00e9 de la plateforme.<\/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 dirigeants de PeerBerry ? Voyons cela !<\/p>\r\n<h3>Propri\u00e9t\u00e9 de PeerBerry<\/h3>\r\n<h2><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18547 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas.png\" alt=\"PeerBerry-Avis-Propri\u00e9t\u00e9\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas.png 375w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas-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=\"alignleft wp-image-18547\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas.png\" alt=\"PeerBerry-Avis-Propri\u00e9t\u00e9\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas.png 375w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Gesellschafter-Andrejus-Trofimovas-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/h2>\r\n<p>Qui poss\u00e8de PeerBerry ? PeerBerry est d\u00e9tenue par trois actionnaires diff\u00e9rents. <a href=\"https:\/\/peerberry.com\/de\/andrejus-trofimovas-wird-peerberry-aktionaer\/\" target=\"_blank\" rel=\"noopener\"><strong>50 % des actions sont d\u00e9tenues par Andrejus Trofimovas<\/strong><\/a>, qui est \u00e9galement PDG du groupe Aventus.<\/p>\r\n<p>Ce Lituanien est un homme d&#8217;affaires exp\u00e9riment\u00e9 avec une expertise dans le domaine de la fintech et de l&#8217;immobilier. Depuis qu&#8217;il est PDG du groupe Aventus en janvier 2017, il veille \u00e0 ce que les investisseurs de PeerBerry re\u00e7oivent leurs remboursements, m\u00eame en p\u00e9riode de crise.<\/p>\r\n<p>Les 50 % restants sont partag\u00e9s \u00e0 parts \u00e9gales entre deux investisseurs priv\u00e9s lituaniens, Vytautas Ol\u0161auskas et Ivan Butov.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Gestion de PeerBerry<\/strong><\/span><\/h3>\r\n<p>Arunas Lekavicius est le PDG de la plateforme PeerBerry depuis janvier 2019. Avant de rejoindre PeerBerry, il a travaill\u00e9 pendant pr\u00e8s de quatre ans chez 4finance, l&#8217;un des plus grands pr\u00eateurs non bancaires en Europe.<\/p>\r\n<p><iframe loading=\"lazy\" title=\"PeerBerry Interview 2021: CEO on Aventus Group, Licensing, Financials, Buyback Guarantee, etc.\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/sHzwMoG7sG8?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<p>D&#8217;autres informations sur les membres de l&#8217;\u00e9quipe de PeerBerry peuvent \u00eatre trouv\u00e9es <a href=\"https:\/\/peerberry.com\/de\/about\/\" target=\"_blank\" rel=\"noopener\"><strong>sur cette page<\/strong><\/a>.<\/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 data-start=\"0\" data-end=\"81\">Pour investir sur PeerBerry, les investisseurs doivent remplir trois conditions :<\/p>\r\n<ol data-start=\"83\" data-end=\"197\">\r\n<li data-start=\"83\" data-end=\"110\">Avoir au minimum 18 ans,<\/li>\r\n<li data-start=\"111\" data-end=\"156\">R\u00e9sider dans l&#8217;Espace \u00c9conomique Europ\u00e9en,<\/li>\r\n<li data-start=\"157\" data-end=\"197\">Poss\u00e9der un compte bancaire europ\u00e9en.<\/li>\r\n<\/ol>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Anmeldung.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18550 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Anmeldung.png\" alt=\"PeerBerry-Avis-Inscription\" width=\"400\" height=\"140\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Anmeldung.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Anmeldung-300x105.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/140;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18550 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Anmeldung.png\" alt=\"PeerBerry-Avis-Inscription\" width=\"400\" height=\"140\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Anmeldung.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Anmeldung-300x105.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"199\" data-end=\"499\">Le processus d&#8217;inscription est relativement simple et intuitif. Apr\u00e8s l&#8217;ouverture du compte par email, il est n\u00e9cessaire de remplir les questionnaires KYC (Know-Your-Customer) et AML (Anti-Money-Laundering). Cela est suivi par la v\u00e9rification de l&#8217;identit\u00e9 et la confirmation de la r\u00e9sidence fiscale.<\/p>\r\n<div class=\"flex max-w-full flex-col flex-grow\">\r\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"874311e9-028d-48d0-a89e-77ca50c9fa3e\" data-message-model-slug=\"gpt-4o-mini\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\r\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\r\n<p data-start=\"501\" data-end=\"578\" data-is-last-node=\"\">Les entit\u00e9s l\u00e9gales ont \u00e9galement la possibilit\u00e9 de s&#8217;inscrire sur PeerBerry.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h3>Bonus PeerBerry<\/h3>\r\n\n    <style>\n      #rtp-bonusbox-6acb0b6681e09 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acb0b6681e09 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acb0b6681e09 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acb0b6681e09 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acb0b6681e09 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acb0b6681e09{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acb0b6681e09:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acb0b6681e09 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acb0b6681e09 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acb0b6681e09\" 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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" 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:94%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4,7)<\/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 0,5% de cashback sur tous les investissements r\u00e9alis\u00e9s durant les 90 premiers jours suivant l'inscription.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acb0b6681e09\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-peerberry\" 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 PeerBerry<\/h3>\r\n<p>L&#8217;industrie du pr\u00eat P2P est un environnement en constante \u00e9volution. Assurez-vous donc de rester inform\u00e9 en vous abonnant \u00e0 mes cha\u00eenes 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>. De cette mani\u00e8re, vous recevrez toujours les derni\u00e8res informations de l&#8217;industrie P2P, y compris les actualit\u00e9s des plateformes concernant PeerBerry.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investir_sur_PeerBerry\"><\/span>Investir sur PeerBerry<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Comment fonctionne PeerBerry et que doivent savoir et prendre en compte les investisseurs lorsqu&#8217;ils investissent sur la plateforme ? Dans les sections suivantes de ma revue de PeerBerry, vous trouverez toutes les informations n\u00e9cessaires dont vous avez besoin.<\/p>\r\n<h3>Offre de Pr\u00eats<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Kreditangebot-PeerBerry-Review-Loan-Offering.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22960 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Kreditangebot-PeerBerry-Review-Loan-Offering.png\" alt=\"PeerBerry-Avis-Offre-de-Pr\u00eats\" width=\"400\" height=\"370\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Kreditangebot-PeerBerry-Review-Loan-Offering.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Kreditangebot-PeerBerry-Review-Loan-Offering-300x278.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/370;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22960 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Kreditangebot-PeerBerry-Review-Loan-Offering.png\" alt=\"PeerBerry-Avis-Offre-de-Pr\u00eats\" width=\"400\" height=\"370\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Kreditangebot-PeerBerry-Review-Loan-Offering.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Kreditangebot-PeerBerry-Review-Loan-Offering-300x278.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/p>\r\n<p>PeerBerry promeut cinq groupes de pr\u00eateurs diff\u00e9rents sur son march\u00e9 : Aventus Group, Gofingo, Lithome, Litelektra et SIBgroup.<\/p>\r\n<p>Avec ces pr\u00eateurs, les investisseurs ont l&#8217;opportunit\u00e9 d&#8217;investir dans cinq types de pr\u00eats diff\u00e9rents : des pr\u00eats \u00e0 la consommation \u00e0 court terme (jusqu&#8217;\u00e0 30 jours maximum), des pr\u00eats \u00e0 la consommation \u00e0 long terme, des pr\u00eats immobiliers, des pr\u00eats de leasing et des pr\u00eats aux entreprises.<\/p>\r\n<p>L&#8217;orientation g\u00e9ographique des pr\u00eateurs est tr\u00e8s internationale. Ainsi, les investisseurs ont la possibilit\u00e9 d&#8217;investir dans des pays emprunteurs tels que la R\u00e9publique tch\u00e8que, la Lituanie, le Kazakhstan, la Moldavie, la Pologne, le Sri Lanka, le Vietnam ou l&#8217;Espagne, entre autres.<\/p>\r\n<p>Avec le d\u00e9but de la guerre en Ukraine, les entreprises de pr\u00eat en provenance de Russie et d&#8217;Ukraine ont \u00e9t\u00e9 temporairement suspendues.<\/p>\r\n<h3>Co\u00fbts et Frais<\/h3>\r\n<p>Actuellement, il n&#8217;y a aucun frais ni frais cach\u00e9s pour les investisseurs sur PeerBerry, ni pour les d\u00e9p\u00f4ts ni pour les retraits. De plus, investir sur la plateforme est gratuit.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18552 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren.png\" alt=\"PeerBerry-Avis-Co\u00fbts\" width=\"900\" height=\"72\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren-300x24.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren-768x61.png 768w\" data-sizes=\"(max-width: 900px) 100vw, 900px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 900px; --smush-placeholder-aspect-ratio: 900\/72;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18552\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren.png\" alt=\"PeerBerry-Avis-Co\u00fbts\" width=\"900\" height=\"72\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren-300x24.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Kosten-Gebuhren-768x61.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/noscript><\/a><\/p>\r\n<p>Malheureusement, cela n&#8217;est plus une pratique courante parmi de nombreuses plateformes P2P, ce qui m\u00e9rite d&#8217;\u00eatre soulign\u00e9 positivement en faveur de PeerBerry.<\/p>\r\n<h3>Rendements Attendus<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19178 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024.png\" alt=\"PeerBerry-Avis-Rendements-Attendus\" width=\"350\" height=\"351\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024.png 350w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024-70x70.png 70w\" data-sizes=\"(max-width: 350px) 100vw, 350px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 350px; --smush-placeholder-aspect-ratio: 350\/351;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19178 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024.png\" alt=\"PeerBerry-Avis-Rendements-Attendus\" width=\"350\" height=\"351\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024.png 350w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/PeerBerry-Erfahrungen-Rendite-2024-70x70.png 70w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/><\/noscript><\/a>PeerBerry affiche actuellement un rendement pouvant atteindre 10 % sur sa page d&#8217;accueil. Les investisseurs doivent noter que les taux d&#8217;int\u00e9r\u00eat sur PeerBerry peuvent \u00eatre ajust\u00e9s en fonction de l&#8217;environnement du march\u00e9 et des besoins des pr\u00eateurs.<\/p>\r\n<p data-start=\"253\" data-end=\"583\">Mon exp\u00e9rience personnelle d&#8217;investissement sur PeerBerry remonte \u00e0 juin 2021. Au cours de cette p\u00e9riode, j&#8217;ai pu obtenir un rendement de 12,18 %. Le bonus suppl\u00e9mentaire gr\u00e2ce au programme de fid\u00e9lit\u00e9 ainsi que les taux d&#8217;int\u00e9r\u00eat sup\u00e9rieurs \u00e0 la moyenne vers\u00e9s tout au long de l&#8217;ann\u00e9e 2022 ont contribu\u00e9 \u00e0 atteindre ce rendement.<\/p>\r\n<p data-start=\"585\" data-end=\"749\">Avec l&#8217;aide du programme de fid\u00e9lit\u00e9, les investisseurs ont la possibilit\u00e9 de recevoir un cashback suppl\u00e9mentaire en fonction de leur exposition sur la plateforme :<\/p>\r\n<ul>\r\n<li><strong>Argent :<\/strong> 0,5 % de cashback pour un portefeuille d&#8217;investissement sup\u00e9rieur \u00e0 10 000 EUR<\/li>\r\n<li><strong>Or :<\/strong> 0,75 % de cashback pour un portefeuille d&#8217;investissement sup\u00e9rieur \u00e0 25 000 EUR<\/li>\r\n<li><strong>Platine :<\/strong> 1 % de cashback pour un portefeuille d&#8217;investissement sup\u00e9rieur \u00e0 40 000 EUR<\/li>\r\n<\/ul>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\"><strong>Auto Invest<\/strong><\/span><\/h3>\r\n<p>Sur PeerBerry, les investisseurs ont la possibilit\u00e9 d&#8217;investir manuellement dans les pr\u00eats ou d&#8217;utiliser la fonctionnalit\u00e9 Auto Invest.<\/p>\r\n<p>L&#8217;Auto Invest de PeerBerry permet aux investisseurs de s\u00e9lectionner des pr\u00eateurs individuels ainsi que des pays emprunteurs, des dur\u00e9es de pr\u00eat, des taux d&#8217;int\u00e9r\u00eat, des montants d&#8217;investissement, des types de pr\u00eats ou l&#8217;option de garantie de rachat.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18554 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest.png\" alt=\"PeerBerry-Avis-Auto-Invest\" width=\"1000\" height=\"614\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest-300x184.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest-768x472.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\/614;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18554\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest.png\" alt=\"PeerBerry-Avis-Auto-Invest\" width=\"1000\" height=\"614\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest-300x184.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/PeerBerry-Erfahrungen-Auto-Invest-768x472.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 une norme courante pour la plupart des plateformes ax\u00e9es sur les pr\u00eats \u00e0 la consommation. Un march\u00e9 secondaire, qui offrirait une liquidit\u00e9 suppl\u00e9mentaire pour les investisseurs, n&#8217;est actuellement pas disponible.<\/p>\r\n<h3 data-start=\"2020\" data-end=\"2041\"><strong data-start=\"2020\" data-end=\"2041\">March\u00e9 Secondaire<\/strong><\/h3>\r\n<p data-start=\"2043\" data-end=\"2266\">Le 15 janvier 2026, PeerBerry a <a href=\"https:\/\/peerberry.com\/fr\/peerberry-lance-son-marche-secondaire\/\" target=\"_blank\" rel=\"noopener\"><strong>lanc\u00e9 un march\u00e9 secondaire<\/strong><\/a> sur sa plateforme P2P. Celui-ci permet de vendre des investissements avant la fin de la dur\u00e9e du pr\u00eat, offrant ainsi une liquidit\u00e9 suppl\u00e9mentaire aux investisseurs.<\/p>\r\n<p data-start=\"2268\" data-end=\"2347\">Voici les principales informations concernant les r\u00e8gles et le fonctionnement :<\/p>\r\n<ul>\r\n<li data-start=\"2268\" data-end=\"2347\">Aucun frais n\u2019est appliqu\u00e9.<\/li>\r\n<li data-start=\"2268\" data-end=\"2347\">Les offres de vente peuvent \u00eatre annul\u00e9es ou ajust\u00e9es \u00e0 tout moment avant l\u2019achat.<\/li>\r\n<li data-start=\"2268\" data-end=\"2347\">Les investissements peuvent \u00eatre vendus \u00e0 leur valeur restante ou avec une d\u00e9cote allant jusqu\u2019\u00e0 50 %.<\/li>\r\n<li data-start=\"2268\" data-end=\"2347\">Seuls des investissements complets peuvent \u00eatre vendus ; les ventes partielles ne sont pas autoris\u00e9es.<\/li>\r\n<li data-start=\"2268\" data-end=\"2347\">Les investissements achet\u00e9s sur le march\u00e9 secondaire peuvent \u00eatre revendus au plus t\u00f4t un jour apr\u00e8s l\u2019achat.<\/li>\r\n<li data-start=\"2268\" data-end=\"2347\">Chaque offre de vente est valable pendant 14 jours calendaires et est automatiquement annul\u00e9e si elle n\u2019est pas achet\u00e9e.<\/li>\r\n<\/ul>\r\n<p data-start=\"2920\" data-end=\"3134\" data-is-last-node=\"\" data-is-only-node=\"\">Actuellement, le march\u00e9 secondaire est uniquement disponible pour les utilisateurs sur ordinateur. Au cours de l\u2019ann\u00e9e, la fonctionnalit\u00e9 du march\u00e9 secondaire sera \u00e9galement introduite dans l\u2019application PeerBerry.<\/p>\r\n<h3>Garantie de Rachat<\/h3>\r\n<p>PeerBerry, parmi d&#8217;autres plateformes, propose \u00e9galement une garantie de rachat. Dans ce cas, les pr\u00eats sont rachet\u00e9s par les pr\u00eateurs respectifs en cas de retard de remboursement de plus de 60 jours. De plus, certains pr\u00eateurs offrent \u00e9galement une garantie de groupe suppl\u00e9mentaire en tant qu&#8217;option de responsabilit\u00e9.<\/p>\r\n<figure class=\"wp-block-table is-style-stripes\">\r\n<table class=\"has-fixed-layout\">\r\n<thead>\r\n<tr>\r\n<th class=\"has-text-align-left\" data-align=\"left\"><strong>Lender<\/strong><\/th>\r\n<th class=\"has-text-align-center\" data-align=\"center\"><strong>Garantie de Rachat<\/strong><\/th>\r\n<th class=\"has-text-align-center\" data-align=\"center\"><strong>Garantie de Groupe<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td class=\"has-text-align-left\" data-align=\"left\">Aventus Group<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td>\r\n<\/tr>\r\n<tr>\r\n<td class=\"has-text-align-left\" data-align=\"left\">Gofingo<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td>\r\n<\/tr>\r\n<tr>\r\n<td class=\"has-text-align-left\" data-align=\"left\">Lithome<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Non<\/td>\r\n<\/tr>\r\n<tr>\r\n<td class=\"has-text-align-left\" data-align=\"left\">SIBgroup<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td>\r\n<td class=\"has-text-align-center\" data-align=\"center\">Non<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<p>Les conditions g\u00e9n\u00e9rales de PeerBerry pr\u00e9cisent clairement que PeerBerry ne couvre aucune responsabilit\u00e9 li\u00e9e aux garanties offertes ou promues par ses soci\u00e9t\u00e9s de pr\u00eat. Cela signifie que la plateforme n&#8217;assume pas la responsabilit\u00e9 des engagements pris par les pr\u00eateurs, tels que la garantie de rachat ou la garantie de groupe, et que les investisseurs doivent comprendre que ces garanties sont fournies par les pr\u00eateurs eux-m\u00eames.<\/p>\r\n<blockquote>\r\n<p><em>The User is aware of the risk of default on Borrower\u2019s obligations, as a result of which the User might not fully recover the Claim. The Loan Originator will perform all the necessary and allowed actions to facilitate timely and full recovery of the Claim without an involvement of the User. In event of the Borrower\u2019s default, PeerBerry and the Loan Originator shall not assume the responsibility for the security of the Claim.<\/em><\/p>\r\n<\/blockquote>\r\n<h3><span style=\"color: #000000;\"><strong>PeerBerry App<\/strong><\/span><\/h3>\r\n<p>Si vous le souhaitez, vous pouvez \u00e9galement utiliser l&#8217;application mobile de PeerBerry. L&#8217;application PeerBerry a \u00e9t\u00e9 lanc\u00e9e en 2021 et peut \u00eatre t\u00e9l\u00e9charg\u00e9e sur les syst\u00e8mes d&#8217;exploitation iOS (<strong><a href=\"https:\/\/apps.apple.com\/us\/app\/peerberry\/id1538755335\" target=\"_blank\" rel=\"noopener noreferrer\">App Store<\/a><\/strong>) ou Android (<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.peerberry&amp;hl=gsw&amp;gl=US\" target=\"_blank\" rel=\"noopener\"><strong>Play Store<\/strong><\/a>).<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"PeerBerry_Taxes\"><\/span><strong>PeerBerry Taxes<\/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 en tant que tels dans la d\u00e9claration fiscale.<\/p>\r\n<p>Contrairement \u00e0 d&#8217;autres plateformes, PeerBerry ne pr\u00e9l\u00e8ve pas de taxes sur les revenus d&#8217;int\u00e9r\u00eats comme c&#8217;est le cas en Lettonie ou en Lituanie.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15089 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes.png\" alt=\"peerberry-avis-taxes\" width=\"1000\" height=\"319\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes-300x96.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes-768x245.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\/319;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15089\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes.png\" alt=\"peerberry-avis-taxes\" width=\"1000\" height=\"319\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes-300x96.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/PeerBerry-Review-Taxes-768x245.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Gr\u00e2ce au tableau de bord, les investisseurs peuvent t\u00e9l\u00e9charger un extrait du rapport fiscal pour l&#8217;ann\u00e9e concern\u00e9e, o\u00f9 les revenus correspondants sont list\u00e9s.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Risques_de_PeerBerry\"><\/span>Risques de PeerBerry<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-start=\"0\" data-end=\"266\">Les investisseurs doivent \u00eatre tr\u00e8s attentifs aux facteurs de risque potentiels lorsqu&#8217;ils \u00e9valuent une plateforme P2P. Qu&#8217;est-ce que les investisseurs doivent savoir concernant PeerBerry ? O\u00f9 se situent les risques sous-jacents et comment peuvent-ils \u00eatre \u00e9valu\u00e9s ?<\/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 5 sur 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#1D9E75\">7.6<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--low\">Risque Faible<\/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:55%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">11 \/ 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:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">25 \/ 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:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">25 \/ 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<h3>Risque de la Plateforme<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22023 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Aventus-Group-Erfahrungen-P2P-Kredite\" width=\"400\" height=\"550\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg 519w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024-218x300.jpg 218w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/550;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22023\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Aventus-Group-Erfahrungen-P2P-Kredite\" width=\"400\" height=\"550\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024.jpg 519w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Aventus-Group-Erfahrungen-P2P-Kredite-Reise-2024-218x300.jpg 218w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>La plateforme P2P est exploit\u00e9e par la soci\u00e9t\u00e9 croate &#8220;PeerBerry d.o.o&#8221;. De mani\u00e8re similaire \u00e0 Robocash, PeerBerry \u00e9tait initialement enregistr\u00e9e en Lettonie avant de transf\u00e9rer son si\u00e8ge social en Croatie en octobre 2021. La raison principale \u00e9tait le cadre r\u00e9glementaire pr\u00e9vu par l&#8217;autorit\u00e9 de surveillance financi\u00e8re lettone (FCMC), que PeerBerry a d\u00e9lib\u00e9r\u00e9ment choisi d&#8217;\u00e9viter.<\/p>\r\n<p>En raison de son domicile en Croatie, la plateforme n&#8217;est soumise \u00e0 aucune supervision ou contr\u00f4le de la part d&#8217;une autorit\u00e9 financi\u00e8re. 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.<\/p>\r\n<p>Ce qui plaide en faveur de PeerBerry, c&#8217;est sa longue exp\u00e9rience depuis 2017, au cours de laquelle la plateforme a constamment respect\u00e9 ses obligations envers les investisseurs, y compris dans des situations de crise difficiles. Il convient de souligner particuli\u00e8rement le remboursement int\u00e9gral de plus de 50 millions d&#8217;euros de pr\u00eats affect\u00e9s par la guerre suite \u00e0 l&#8217;\u00e9clatement du conflit en Ukraine.<\/p>\r\n<p>Du c\u00f4t\u00e9 des actionnaires, le propri\u00e9taire d&#8217;Aventus, Andrejus Trofimovas, transmet une impression fiable et digne de confiance, ce qui influence positivement l&#8217;\u00e9valuation du risque de la plateforme.<\/p>\r\n<h4>S\u00e9gr\u00e9gation des Fonds et Protection des D\u00e9p\u00f4ts<\/h4>\r\n<p>Les fonds des investisseurs chez PeerBerry sont d\u00e9tenus via Paysera, un \u00e9tablissement de monnaie \u00e9lectronique lituanien agr\u00e9\u00e9 par la Banque de Lituanie. Les fonds sont donc s\u00e9par\u00e9s des fonds op\u00e9rationnels propres de la plateforme.<\/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 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">PeerBerry en Situations de Crise<\/h4>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">Dans le pass\u00e9, PeerBerry a d\u00fb faire face \u00e0 plusieurs situations de crise, notamment la pand\u00e9mie de COVID-19 et la guerre en Ukraine.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>Pand\u00e9mie de COVID-19 :<\/strong> PeerBerry a \u00e9t\u00e9 l&#8217;un des grands b\u00e9n\u00e9ficiaires suite \u00e0 l&#8217;\u00e9clatement de la pand\u00e9mie de COVID-19. Il n&#8217;y a eu ni retards de paiement ni d\u00e9fauts parmi les \u00e9metteurs de pr\u00eats. Le Groupe Aventus a d\u00e9clar\u00e9 un maximum de 20 % de pr\u00eats en souffrance dans son portefeuille <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/peerberry.com\/en\/blog\/aventus-group-lending-grew-66-in-the-first-half-of-2020-planned-entry-into-new-markets\/\">selon ses propres d\u00e9clarations<\/a><\/strong> et a r\u00e9ussi \u00e0 r\u00e9aliser un <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/peerberry.com\/en\/blog\/aventus-group-to-close-2020-with-a-net-profit-of-eur-10m\/\">b\u00e9n\u00e9fice net d&#8217;environ 10 millions d&#8217;euros<\/a><\/strong> malgr\u00e9 les conditions de march\u00e9 difficiles.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-24922 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones.png\" alt=\"PeerBerry-Avis-Guerre-en-Ukraine\" width=\"946\" height=\"201\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones.png 946w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones-300x64.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones-768x163.png 768w\" data-sizes=\"(max-width: 946px) 100vw, 946px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 946px; --smush-placeholder-aspect-ratio: 946\/201;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-24922\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones.png\" alt=\"PeerBerry-Avis-Guerre-en-Ukraine\" width=\"946\" height=\"201\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones.png 946w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones-300x64.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/PeerBerry-Erfahrungen-Ukraine-Krieg-PeerBerry-Review-War-Ukraine-PeerBerry-Opiniones-768x163.png 768w\" sizes=\"(max-width: 946px) 100vw, 946px\" \/><\/noscript><\/a><\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>Guerre en Ukraine :<\/strong> Au total, 12 \u00e9metteurs de pr\u00eats avec un portefeuille en cours de 51,4 millions d&#8217;euros ont \u00e9t\u00e9 affect\u00e9s par le conflit. <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/peerberry.com\/en\/blog\/peerberry-has-repaid-all-war-affected-loans-totalling-eur-51-4m\/\">En d\u00e9cembre 2024<\/a><\/strong>, les partenaires de PeerBerry ont r\u00e9ussi \u00e0 rembourser int\u00e9gralement tous les pr\u00eats affect\u00e9s par la guerre, int\u00e9r\u00eats courus inclus. Une r\u00e9alisation qui reste \u00e0 ce jour in\u00e9gal\u00e9e sur le march\u00e9 P2P.<\/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. PeerBerry 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:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/PeerBerry-Annual-Report-2025.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tPeerBerry d.o.o. \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 croate (HSFI)<\/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<p>Les chiffres suivants sont bas\u00e9s sur le rapport annuel de PeerBerry pour 2025. Le rapport n\u2019a \u00e9t\u00e9 ni pr\u00e9par\u00e9 par un cabinet d\u2019audit externe ni audit\u00e9 conform\u00e9ment aux normes IFRS. La cr\u00e9dibilit\u00e9 et la valeur informative des chiffres financiers sont donc limit\u00e9es.<\/p>\r\n<h4>Rentabilit\u00e9<\/h4>\r\n<p class=\"PDq2pG_selectionAnchorContainer\" data-start=\"801\" data-end=\"1115\">PeerBerry est rest\u00e9e rentable depuis le lancement de ses activit\u00e9s et a achev\u00e9 en 2025 son huiti\u00e8me exercice b\u00e9n\u00e9ficiaire cons\u00e9cutif. Au cours de l&#8217;exercice 2025, la plateforme P2P a enregistr\u00e9 un b\u00e9n\u00e9fice net de 14 896 euros, soit une baisse significative par rapport \u00e0 l&#8217;ann\u00e9e pr\u00e9c\u00e9dente (579 135 euros en 2024).<\/p>\r\n<p data-start=\"801\" data-end=\"1115\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36989 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis.png\" alt=\"PeerBerry-Avis-Rentabilit\u00e9\" width=\"1200\" height=\"555\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis-300x139.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis-1024x474.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis-768x355.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\/555;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36989\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis.png\" alt=\"PeerBerry-Avis-Rentabilit\u00e9\" width=\"1200\" height=\"555\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis-300x139.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis-1024x474.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/PeerBerry-Erfahrungen-2026-Profitabilitat-PeerBerry-Review-Profitability-PeerBerry-Opiniones-Rentabilidad-PeerBerry-Avis-768x355.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"1117\" data-end=\"1551\" data-is-last-node=\"\" data-is-only-node=\"\">Bien que le chiffre d&#8217;affaires soit rest\u00e9 globalement stable, la baisse du b\u00e9n\u00e9fice s&#8217;explique principalement par une augmentation de 671 149 euros des autres charges externes. Selon PeerBerry, ces co\u00fbts suppl\u00e9mentaires \u00e9taient li\u00e9s au d\u00e9veloppement de deux projets en dehors de la plateforme P2P : une marketplace de jeux vid\u00e9o et une application de carte virtuelle destin\u00e9e aux march\u00e9s d&#8217;Am\u00e9rique latine (LATAM) et d&#8217;Afrique du Sud.<\/p>\r\n<hr \/>\r\n<h3>Risque du Pr\u00eateur<\/h3>\r\n<p>Il y a au total cinq groupes de pr\u00eateurs qui proposent leurs pr\u00eats pour le financement sur PeerBerry. \u00c0 ce jour, tous les pr\u00eateurs ont honor\u00e9 leurs obligations de rachat, ce qui signifie qu&#8217;aucune perte n&#8217;a encore \u00e9t\u00e9 encourue sur la plateforme. Les \u00e9ventuels retards de remboursement sont principalement dus \u00e0 des \u00e9v\u00e9nements tels que la guerre en Ukraine.<\/p>\r\n<p>PeerBerry applique plusieurs mesures de gestion des risques pour garantir la qualit\u00e9 des pr\u00eateurs. Parmi ces mesures, les pr\u00eateurs ne peuvent financer qu&#8217;un maximum de 45 % de leur portefeuille de pr\u00eats sur les plateformes P2P. De plus, une r\u00e9serve de liquidit\u00e9 repr\u00e9sentant 10 % de la valeur totale du portefeuille de pr\u00eats doit \u00eatre constitu\u00e9e afin de pouvoir faire face imm\u00e9diatement aux d\u00e9fauts de paiement ou aux demandes de remboursement.<\/p>\r\n<p>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<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=\"pujckaplus cz\">PujckaPlus (CZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/PujckaPlus-CZ-Financial-Statements-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"solvebros\">SolveBros<\/td><td class=\"stark\" data-sort=\"1741057\">EUR 1,7M<\/td><td class=\"stark\" data-sort=\"19.9\">19,9%<\/td><td class=\"stark\" data-sort=\"53.3\">53,3%<\/td><td class=\"stark\" data-sort=\"2.06\">2,06<\/td><td class=\"risiko\" data-sort=\"28\">28,0%<\/td><td class=\"stabil\" data-sort=\"77\">77<\/td><\/tr><tr><td data-sort=\"onecredit kz\">OneCredit (KZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Onecredit-KZ-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"almir\">Almir<\/td><td class=\"stark\" data-sort=\"665730\">EUR 666K<\/td><td class=\"stark\" data-sort=\"11.2\">11,2%<\/td><td class=\"stark\" data-sort=\"51.2\">51,2%<\/td><td class=\"stark\" data-sort=\"3.37\">3,37<\/td><td class=\"kritisch\" data-sort=\"145.8\">145,8%<\/td><td class=\"stabil\" data-sort=\"76\">76<\/td><\/tr><tr><td data-sort=\"acredit ro\">ACredit (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Acredit_SafeCredit-RO-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"savvy audit\">Savvy Audit<\/td><td class=\"stark\" data-sort=\"2595225\">EUR 2,6M<\/td><td class=\"stark\" data-sort=\"69.6\">69,6%<\/td><td class=\"stark\" data-sort=\"43.3\">43,3%<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"25.4\">25,4%<\/td><td class=\"mittel\" data-sort=\"69\">69<\/td><\/tr><tr><td data-sort=\"finwind lt\">FinWind (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/FinWind-LLC-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"audifina\">AUDIFINA<\/td><td class=\"stark\" data-sort=\"1939931\">EUR 1,9M<\/td><td class=\"stark\" data-sort=\"73.7\">73,7%<\/td><td class=\"stark\" data-sort=\"83.2\">83,2%<\/td><td class=\"stark\" data-sort=\"4.98\">4,98<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"67\">67<\/td><\/tr><tr><td data-sort=\"smartcredito es\">Smartcredito (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Smartcredito-ES-Financial-Statements-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=\"523435\">EUR 523K<\/td><td class=\"stark\" data-sort=\"6.7\">6,7%<\/td><td class=\"mittel\" data-sort=\"21.7\">21,7%<\/td><td class=\"stark\" data-sort=\"13.22\">13,22<\/td><td class=\"stabil\" data-sort=\"6.8\">6,8%<\/td><td class=\"mittel\" data-sort=\"67\">67<\/td><\/tr><tr><td data-sort=\"novalend pl\">NovaLend (PL)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Novalend-PL-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"quantum audyt\">Quantum Audyt<\/td><td class=\"stabil\" data-sort=\"38079\">EUR 38K<\/td><td class=\"risiko\" data-sort=\"0.6\">0,6%<\/td><td class=\"risiko\" data-sort=\"8.9\">8,9%<\/td><td class=\"risiko\" data-sort=\"0.91\">0,91<\/td><td class=\"stabil\" data-sort=\"6\">6,0%<\/td><td class=\"mittel\" data-sort=\"58\">58<\/td><\/tr><tr><td data-sort=\"a-credit kz\">A-Credit (KZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Acredit-KZ-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"baker tilly\">Baker Tilly<\/td><td class=\"risiko\" data-sort=\"-306087\">EUR (306K)<\/td><td class=\"kritisch\" data-sort=\"-2\">(2,0%)<\/td><td class=\"stark\" data-sort=\"72.5\">72,5%<\/td><td class=\"stabil\" data-sort=\"1.81\">1,81<\/td><td class=\"kritisch\" data-sort=\"57\">57,0%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"findom kz\">Findom (KZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Findom-KZ-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"baker tilly\">Baker Tilly<\/td><td class=\"risiko\" data-sort=\"-1058151\">EUR (1,1M)<\/td><td class=\"kritisch\" data-sort=\"-44.4\">(44,4%)<\/td><td class=\"mittel\" data-sort=\"23.4\">23,4%<\/td><td class=\"mittel\" data-sort=\"1.04\">1,04<\/td><td class=\"kritisch\" data-sort=\"203.6\">203,6%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"credit365 md\">Credit365 (MD)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Credit365-MD-Financial-statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"manager audit\">Manager Audit<\/td><td class=\"mittel\" data-sort=\"91249\">EUR 91K<\/td><td class=\"risiko\" data-sort=\"0.7\">0,7%<\/td><td class=\"risiko\" data-sort=\"14.8\">14,8%<\/td><td class=\"stark\" data-sort=\"4.45\">4,45<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"46\">46<\/td><\/tr><tr><td data-sort=\"credito365 mx\">Credito365 (MX)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Credito365-MX-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"servicios vanguardistas\">Servicios Vanguardistas<\/td><td class=\"stabil\" data-sort=\"1407337\">EUR 1,4M<\/td><td class=\"stark\" data-sort=\"26.5\">26,5%<\/td><td class=\"kritisch\" data-sort=\"-10\">(10,0%)<\/td><td class=\"stark\" data-sort=\"8.06\">8,06<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"45\">45<\/td><\/tr><tr><td data-sort=\"cashx ng\">CashX (NG)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/CashX-NG-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"bsg professional\">BSG Professional<\/td><td class=\"kritisch\" data-sort=\"-26070\">EUR (26K)<\/td><td class=\"kritisch\" data-sort=\"-3.1\">(3,1%)<\/td><td class=\"kritisch\" data-sort=\"-7\">(7,0%)<\/td><td class=\"stark\" data-sort=\"457.62\">457,62<\/td><td class=\"kritisch\" data-sort=\"40.1\">40,1%<\/td><td class=\"risiko\" data-sort=\"40\">40<\/td><\/tr><tr><td data-sort=\"lendplus ke\">LendPlus (KE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/LendPlus-KE-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"mgk\">MGK<\/td><td class=\"risiko\" data-sort=\"-25941\">EUR (26K)<\/td><td class=\"kritisch\" data-sort=\"-0.5\">(0,5%)<\/td><td class=\"kritisch\" data-sort=\"-6.5\">(6,5%)<\/td><td class=\"stark\" data-sort=\"19.02\">19,02<\/td><td class=\"kritisch\" data-sort=\"49\">49,0%<\/td><td class=\"kritisch\" data-sort=\"38\">38<\/td><\/tr><tr><td data-sort=\"credito365 co\">Credito365 (CO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Credito365-CO-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"revisor fiscal\">Revisor Fiscal<\/td><td class=\"kritisch\" data-sort=\"-304043\">EUR (304K)<\/td><td class=\"kritisch\" data-sort=\"-22.2\">(22,2%)<\/td><td class=\"kritisch\" data-sort=\"-17.3\">(17,3%)<\/td><td class=\"stark\" data-sort=\"2.34\">2,34<\/td><td class=\"kritisch\" data-sort=\"70.8\">70,8%<\/td><td class=\"kritisch\" data-sort=\"36\">36<\/td><\/tr><tr><td data-sort=\"lendplus za\">LendPlus (ZA)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/LendPlus-ZA-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"mahleka d\">Mahleka D<\/td><td class=\"kritisch\" data-sort=\"-6234222\">EUR (6,2M)<\/td><td class=\"kritisch\" data-sort=\"-119.8\">(119,8%)<\/td><td class=\"kritisch\" data-sort=\"-110.1\">(110,1%)<\/td><td class=\"stabil\" data-sort=\"1.81\">1,81<\/td><td class=\"kritisch\" data-sort=\"107.4\">107,4%<\/td><td class=\"kritisch\" data-sort=\"34\">34<\/td><\/tr><tr><td data-sort=\"cash-express ph\">Cash-Express (PH)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Cash-Express-PH-Financial-Statements-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=\"-731701\">EUR (732K)<\/td><td class=\"kritisch\" data-sort=\"-36.3\">(36,3%)<\/td><td class=\"kritisch\" data-sort=\"-185.2\">(185,2%)<\/td><td class=\"stark\" data-sort=\"4.35\">4,35<\/td><td class=\"kritisch\" data-sort=\"50.4\">50,4%<\/td><td class=\"kritisch\" data-sort=\"28\">28<\/td><\/tr><tr><td data-sort=\"lendi ar\">Lendi (AR)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/Lendi-AR-Financial-Statements-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"j. c. pisaco\">J. C. Pisaco<\/td><td class=\"kritisch\" data-sort=\"-116401\">EUR (116K)<\/td><td class=\"kritisch\" data-sort=\"-54.7\">(54,7%)<\/td><td class=\"kritisch\" data-sort=\"-44.7\">(44,7%)<\/td><td class=\"risiko\" data-sort=\"0.66\">0,66<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"21\">21<\/td><\/tr><tr><td data-sort=\"mira prima es\">Mira Prima (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/MIRA-PRIMA-Financial-Statements-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=\"-135482\">EUR (135K)<\/td><td class=\"kritisch\" data-sort=\"-6.4\">(6,4%)<\/td><td class=\"kritisch\" data-sort=\"-6.3\">(6,3%)<\/td><td class=\"risiko\" data-sort=\"0.79\">0,79<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"17\">17<\/td><\/tr><tr><td data-sort=\"mira segundo es\">Mira Segundo (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/peerberry-prod-wp-storage.storage.googleapis.com\/MIRA-SEGUNDO-Financial-Statements-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=\"-281548\">EUR (282K)<\/td><td class=\"kritisch\" data-sort=\"-5.6\">(5,6%)<\/td><td class=\"kritisch\" data-sort=\"-5.5\">(5,5%)<\/td><td class=\"kritisch\" data-sort=\"0.06\">0,06<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"15\">15<\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"aventus biznes pl\">Aventus Biznes (PL)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"crediflow za\">Crediflow (ZA)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"credit365 au\">Credit365 (AU)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"jabulani money za\">Jabulani Money (ZA)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"paydayloanplus ca\">PaydayLoanPlus (CA)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"prestamo365 pe\">Prestamo365 (PE)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"primeloans za\">PrimeLoans (ZA)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"realcredito es\">RealCredito (ES)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"tuparcero co\">TuParcero (CO)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/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><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<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 plus grands avantages et inconv\u00e9nients de PeerBerry.<\/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 2017<\/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>Liquidit\u00e9:<\/strong> March\u00e9 secondaire, \u00e9ch\u00e9ances courtes ou sortie anticip\u00e9e possible<\/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>Soci\u00e9t\u00e9 m\u00e8re:<\/strong> Soutenue par une entreprise grande et \u00e9tablie (Aventus Group)<\/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\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>\u00c9prouv\u00e9e en temps de crise:<\/strong> Gestion de crise remarquable d\u00e9montr\u00e9e<\/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>Transparence:<\/strong> Aucun rapport financier disponible ou uniquement des rapports non audit\u00e9s<\/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>Conflits d&#8217;int\u00e9r\u00eats:<\/strong> Chevauchements d&#8217;actionnaires entre la plateforme et les pr\u00eateurs<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Resume_de_la_Revue_PeerBerry\"><\/span>R\u00e9sum\u00e9 de la Revue PeerBerry<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Vor-Ort-PeerBerry-Review-Onsite.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22964 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Vor-Ort-PeerBerry-Review-Onsite.jpg\" alt=\"PeerBerry-Avis-R\u00e9sum\u00e9\" width=\"400\" height=\"582\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Vor-Ort-PeerBerry-Review-Onsite.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Vor-Ort-PeerBerry-Review-Onsite-206x300.jpg 206w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/582;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22964\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Vor-Ort-PeerBerry-Review-Onsite.jpg\" alt=\"PeerBerry-Avis-R\u00e9sum\u00e9\" width=\"400\" height=\"582\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Vor-Ort-PeerBerry-Review-Onsite.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/PeerBerry-Erfahrungen-Vor-Ort-PeerBerry-Review-Onsite-206x300.jpg 206w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/p>\r\n<p>La conclusion de cette revue de PeerBerry est la suivante :<\/p>\r\n<p>PeerBerry est l&#8217;une des plus grandes et des plus populaires plateformes de pr\u00eat P2P en Europe. La popularit\u00e9 de PeerBerry est en grande partie due \u00e0 la stabilit\u00e9 de la plateforme et \u00e0 sa gestion exceptionnelle des crises. Qu&#8217;il s&#8217;agisse du manque de r\u00e9gulation, de la pand\u00e9mie de coronavirus ou de la guerre en Ukraine, la plateforme a toujours su sortir plus forte de chaque situation difficile jusqu&#8217;\u00e0 ce jour.<\/p>\r\n<p>La maturit\u00e9 croissante du march\u00e9, associ\u00e9e \u00e0 des taux d&#8217;int\u00e9r\u00eat comp\u00e9titifs, fait de PeerBerry l&#8217;une des meilleures options pour tout investisseur d\u00e9butant \u00e0 la recherche d&#8217;un investissement P2P fiable et stable.<\/p>\r\n<p>En revanche, il faut \u00e9galement accepter une diminution des taux d&#8217;int\u00e9r\u00eat et un frein temporaire de liquidit\u00e9. Malheureusement, cela est in\u00e9vitable pour l&#8217;une des plateformes P2P les plus attractives et convaincantes en Europe.<\/p>\r\n<p>Personnellement, PeerBerry est la plus grande position de mon portefeuille P2P depuis septembre 2022. Si la place de march\u00e9 continue de maintenir sa fiabilit\u00e9, je resterai investi sur la plateforme avec un montant plus important pour longtemps.<\/p>\r\n\n    <style>\n      #rtp-bonusbox-6acb0b6683bc1 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acb0b6683bc1 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acb0b6683bc1 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acb0b6683bc1 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acb0b6683bc1 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acb0b6683bc1{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acb0b6683bc1:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acb0b6683bc1 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acb0b6683bc1 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acb0b6683bc1\" 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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;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\/Peerberry.png\" alt=\"PeerBerry\" 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:94%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4,7)<\/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 0,5% de cashback sur tous les investissements r\u00e9alis\u00e9s durant les 90 premiers jours suivant l'inscription.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acb0b6683bc1\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-peerberry\" 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 PeerBerry<\/h3>\r\n<p>Vous investissez d\u00e9j\u00e0 sur PeerBerry ? Ou vous recherchez des plateformes similaires ? Voici trois alternatives \u00e0 PeerBerry sur le march\u00e9 P2P.<\/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. Comme PeerBerry, Mintos suit un mod\u00e8le de marketplace avec une large gamme d&#8217;\u00e9metteurs de pr\u00eats internationaux. Compar\u00e9 \u00e0 PeerBerry, Mintos offre une s\u00e9lection notablement plus large de classes d&#8217;actifs, notamment des pr\u00eats, des ETF et des obligations, dans un environnement de plateforme r\u00e9gul\u00e9 et \u00e9tabli. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/mintos-avis\/\">avis Mintos<\/a><\/strong>.<\/p>\r\n<p><strong>Viainvest :<\/strong> Un marketplace P2P r\u00e9gul\u00e9 en Lettonie ax\u00e9 sur les pr\u00eats \u00e0 la consommation au sein de l&#8217;Espace \u00c9conomique Europ\u00e9en. Comme PeerBerry, Viainvest est \u00e9troitement li\u00e9 aux activit\u00e9s de cr\u00e9dit de sa soci\u00e9t\u00e9 m\u00e8re et cible les investisseurs qui recherchent une plateforme fiable avec des taux d&#8217;int\u00e9r\u00eat comp\u00e9titifs. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/viainvest-avis\/\">avis Viainvest<\/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>Vous pouvez trouver d&#8217;autres alternatives \u00e0 PeerBerry 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_PeerBerry_Avis\"><\/span>FAQ PeerBerry 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-1774776219434\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Qu&#8217;est-ce que PeerBerry ?<\/strong>\r\n<p class=\"schema-faq-answer\">PeerBerry est une plateforme de pr\u00eats P2P enregistr\u00e9e en Croatie, en activit\u00e9 depuis novembre 2017, o\u00f9 les investisseurs peuvent investir dans des cr\u00e9dits \u00e0 la consommation avec garantie de rachat. Les pr\u00eats proviennent principalement des originateurs du groupe Aventus, avec des rendements allant jusqu&#8217;\u00e0 10%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774776220867\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 PeerBerry est-elle r\u00e9glement\u00e9e ?<\/strong>\r\n<p class=\"schema-faq-answer\">Non. PeerBerry n&#8217;est pas r\u00e9glement\u00e9e par une autorit\u00e9 de surveillance financi\u00e8re. Il n&#8217;existe donc pas de protection l\u00e9gale des investisseurs comparable aux plateformes r\u00e9gul\u00e9es sous MiFID II comme Viainvest ou Twino.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774776222226\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Comment PeerBerry a-t-elle g\u00e9r\u00e9 la guerre en Ukraine ?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">PeerBerry a \u00e9t\u00e9 particuli\u00e8rement touch\u00e9e, plusieurs originateurs du groupe Aventus \u00e9tant actifs en Ukraine et en Russie. Malgr\u00e9 cela, la plateforme a int\u00e9gralement rembours\u00e9 toutes les cr\u00e9ances en suspens.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774776222954\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Qu&#8217;est-ce que le groupe Aventus ?<\/strong>\r\n<p class=\"schema-faq-answer\">Le groupe Aventus est le r\u00e9seau d&#8217;originateurs de cr\u00e9dit derri\u00e8re PeerBerry. Il exploite des soci\u00e9t\u00e9s de cr\u00e9dit dans plusieurs pays et garantit le rachat sur la plateforme. La stabilit\u00e9 financi\u00e8re du groupe Aventus est donc d\u00e9terminante pour \u00e9valuer le risque de tout investissement sur PeerBerry.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774776223651\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Existe-t-il un bonus pour s&#8217;inscrire sur PeerBerry ?<\/strong>\r\n<p class=\"schema-faq-answer\">Oui. Les nouveaux investisseurs s&#8217;inscrivant via mon lien d&#8217;affiliation b\u00e9n\u00e9ficient actuellement de 0,5% de cashback pendant 90 jours sur tous les investissements.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36876,"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>PeerBerry Avis 2026 : Top 5 Des Plateformes De Pr\u00eat P2P !<\/title>\n<meta name=\"description\" content=\"PeerBerry Avis 2026 : Top 5 Des Plateformes De Pr\u00eat P2P ! Analyse Approfondie \u271a Bonus de 0,5 % de Cashback Pour les Nouveaux Investisseurs !\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PeerBerry Avis 2026 : Top 5 Des Plateformes De Pr\u00eat P2P !\" \/>\n<meta property=\"og:description\" content=\"PeerBerry Avis 2026 : Top 5 Des Plateformes De Pr\u00eat P2P ! 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Les pr\u00eats proviennent principalement des originateurs du groupe Aventus, avec des rendements allant jusqu'\u00e0 10%.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/#faq-question-1774776220867\",\"position\":2,\"url\":\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/#faq-question-1774776220867\",\"name\":\"\u2705 PeerBerry est-elle r\u00e9glement\u00e9e ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. PeerBerry n'est pas r\u00e9glement\u00e9e par une autorit\u00e9 de surveillance financi\u00e8re. Il n'existe donc pas de protection l\u00e9gale des investisseurs comparable aux plateformes r\u00e9gul\u00e9es sous MiFID II comme Viainvest ou Twino.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/#faq-question-1774776222226\",\"position\":3,\"url\":\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/#faq-question-1774776222226\",\"name\":\"\u2705 Comment PeerBerry a-t-elle g\u00e9r\u00e9 la guerre en Ukraine ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PeerBerry a \u00e9t\u00e9 particuli\u00e8rement touch\u00e9e, plusieurs originateurs du groupe Aventus \u00e9tant actifs en Ukraine et en Russie. Malgr\u00e9 cela, la plateforme a int\u00e9gralement rembours\u00e9 toutes les cr\u00e9ances en suspens.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/#faq-question-1774776222954\",\"position\":4,\"url\":\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/#faq-question-1774776222954\",\"name\":\"\u2705 Qu'est-ce que le groupe Aventus ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le groupe Aventus est le r\u00e9seau d'originateurs de cr\u00e9dit derri\u00e8re PeerBerry. Il exploite des soci\u00e9t\u00e9s de cr\u00e9dit dans plusieurs pays et garantit le rachat sur la plateforme. 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