{"id":25755,"date":"2020-10-22T06:00:00","date_gmt":"2020-10-22T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/mintos-review-2025-p2p-market-leader-worth-investing-again\/"},"modified":"2026-10-13T18:09:59","modified_gmt":"2026-10-13T16:09:59","slug":"mintos-avis","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/fr\/mintos-avis\/","title":{"rendered":"Mintos Avis 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Derni\u00e8re mise \u00e0 jour : 13 octobre 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;\">Avec plus de 800 millions d&#8217;euros d&#8217;actifs sous gestion et plus de 600.000 utilisateurs enregistr\u00e9s, Mintos est la plus grande plateforme de pr\u00eats P2P en Europe.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">La plateforme est exploit\u00e9e par la soci\u00e9t\u00e9 lettone AS Mintos Marketplace, qui est r\u00e9gul\u00e9e par l&#8217;autorit\u00e9 de surveillance financi\u00e8re lettone sous MiFID II depuis ao\u00fbt 2021.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Mintos propose une large gamme de classes d&#8217;actifs diff\u00e9rentes. En plus de l&#8217;offre de pr\u00eats classique, celles-ci comprennent des actifs tels que des ETF, actions, des obligations et de l&#8217;immobilier.<\/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 pand\u00e9mie de COVID-19 et la guerre en Ukraine ont mis en \u00e9vidence des faiblesses dans la gestion des risques de la plateforme. \u00c0 son apog\u00e9e, jusqu&#8217;\u00e0 150 millions d&#8217;euros de fonds d&#8217;investisseurs \u00e9taient en cours de recouvrement.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6ae5c2d08b46e .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5c2d08b46e .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5c2d08b46e .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5c2d08b46e .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5c2d08b46e .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5c2d08b46e{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5c2d08b46e:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5c2d08b46e .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5c2d08b46e .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5c2d08b46e\" 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 decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Mintos.png\" alt=\"Mintos\" style=\"--smush-placeholder-width: 386px; --smush-placeholder-aspect-ratio: 386\/100;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\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:68%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3,4)<\/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 un bonus de 25 \u20ac s'ils investissent au moins 1 500 \u20ac dans les 30 jours suivant l'inscription et conservent ce montant jusqu'au 90e jour. Les investissements en Smart Cash ne sont pas pris en compte.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5c2d08b46e\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-mintos\" 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 Mintos depuis juillet 2024. Depuis lors, j&#039;ai r\u00e9alis\u00e9 un rendement total (XIRR) de 11,64%. Mon portefeuille en cours sur la plateforme s&#039;\u00e9l\u00e8ve \u00e0 17.000 \u20ac.<\/p><div class=\"rtp-sitg-note\">Pr\u00e9c\u00e9demment investi d&#039;octobre 2017 \u2013 octobre 2022 (rendement total : 7,22%)<\/div><\/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_89 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\" style=\"cursor:inherit\">Table of Contents<\/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\/mintos-avis\/#Quest-ce_que_Mintos\" >Qu\u2019est-ce que Mintos ?<\/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\/mintos-avis\/#Propriete_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\/mintos-avis\/#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\/mintos-avis\/#Investir_sur_Mintos\" >Investir sur Mintos<\/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\/mintos-avis\/#Impots_Mintos\" >Imp\u00f4ts Mintos<\/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\/mintos-avis\/#Risques_de_Mintos\" >Risques de Mintos<\/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\/mintos-avis\/#Avantages_et_Inconvenients\" >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\/mintos-avis\/#Resume_de_la_Revue_Mintos\" >R\u00e9sum\u00e9 de la Revue Mintos<\/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\/mintos-avis\/#FAQ_Mintos_Avis\" >FAQ Mintos Avis<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Quest-ce_que_Mintos\"><\/span>Qu\u2019est-ce que Mintos ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-mintos\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"size-full wp-image-12119 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Mintos-Bonus.jpg\" alt=\"mintos-review-logo\" width=\"300\" height=\"169\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><\/a><\/p>\r\n<p>Mintos est une place de march\u00e9 P2P bas\u00e9e en Lettonie, exploit\u00e9e par AS Mintos Marketplace. Le lancement op\u00e9rationnel de la plateforme a eu lieu en 2015. Au cours des ann\u00e9es suivantes, Mintos est devenu l&#8217;une des plus grandes plateformes P2P en Europe, gr\u00e2ce \u00e0 un mod\u00e8le \u00e9conomique hautement \u00e9volutif avec des pr\u00eateurs connect\u00e9s externes.<\/p>\r\n<p>Mintos g\u00e8re actuellement des actifs d&#8217;investisseurs de plus de 600 millions d&#8217;euros, avec plus de 500 000 utilisateurs enregistr\u00e9s.<\/p>\r\n<p>Avec sa licence en tant que soci\u00e9t\u00e9 d&#8217;investissement europ\u00e9enne, Mintos a progressivement int\u00e9gr\u00e9 d&#8217;autres classes d&#8217;actifs sur la plateforme. En plus de la gamme traditionnelle et historiquement d\u00e9velopp\u00e9e de pr\u00eats, le portefeuille de la plateforme inclut d\u00e9sormais des ETFs, des obligations et de l&#8217;immobilier.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Fiche Mintos<\/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 Mintos 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>Mai 2014 \/ Janvier 2015<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nom Juridique :<\/strong><\/td>\r\n<td>AS Mintos Marketplace (<a href=\"https:\/\/info.ur.gov.lv\/#\/legal-entity\/40103903643\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\r\n<td>Riga, Lettonie<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>R\u00e9gul\u00e9e :<\/strong><\/td>\r\n<td>Oui (Commission des March\u00e9s Financiers et des Capitaux)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>PDG :<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/martinssulte\/\" target=\"_blank\" rel=\"noopener\"><strong>Martins Sulte<\/strong><\/a> (Mai 2014)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Actifs sous Gestion :<\/strong><\/td>\r\n<td>753+ millions d'euros<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nombre d&#8217;Investisseurs :<\/strong><\/td>\r\n<td>600\u00a0000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Rendement Attendu :<\/strong><\/td>\r\n<td>10,4%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Score de S\u00e9curit\u00e9 :<\/strong><\/td>\r\n<td>6,2 \/ 10 (Rang 12 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<h3>Histoire d&#8217;Origine<\/h3>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story.jpg\"><img decoding=\"async\" class=\"alignleft wp-image-21992 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story.jpg\" alt=\"Mintos-Avis-Histoire-Origine\" width=\"300\" height=\"400\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story-225x300.jpg 225w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/400;\" \/><\/a><\/span>Le Letton <span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><a href=\"https:\/\/www.linkedin.com\/in\/martinssulte\/\" target=\"_blank\" rel=\"noopener\"><strong>Martins Sulte<\/strong><\/a><\/span>, l&#8217;un des fondateurs et PDG de Mintos, \u00e9tait dans les derni\u00e8res \u00e9tapes de ses \u00e9tudes MBA en 2014. \u00c0 l&#8217;\u00e9poque, il \u00e9crivait quelques id\u00e9es sur ce qu&#8217;il pourrait faire apr\u00e8s l&#8217;obtention de son dipl\u00f4me.<\/p>\r\n<p data-start=\"224\" data-end=\"418\">Fort de son exp\u00e9rience dans le secteur financier (Ernst &amp; Young, puis banquier d&#8217;investissement chez SEA) et de son int\u00e9r\u00eat naturel pour la technologie, il souhaitait combiner ses deux passions.<\/p>\r\n<p data-start=\"420\" data-end=\"554\">Apr\u00e8s avoir lu un article sur la plateforme britannique Landbay sur TechCrunch, il a pris conscience du mod\u00e8le \u00e9conomique du pr\u00eat P2P.<\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Avec <\/span><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/lv.linkedin.com\/in\/martins-valters-4712205\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Martins Valters<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">, qui avait auparavant \u00e9t\u00e9 son superviseur chez Ernst &amp; Young, les deux ont fond\u00e9 l&#8217;entreprise Mintos en 2014.<\/span><\/p>\r\n<h3>Mod\u00e8le Commercial<\/h3>\r\n<p>Comment Mintos g\u00e9n\u00e8re-t-il des revenus ? Le marketplace P2P a r\u00e9alis\u00e9 un chiffre d&#8217;affaires de 14,1 millions d&#8217;euros l&#8217;ann\u00e9e derni\u00e8re, r\u00e9parti sur neuf sources de revenus diff\u00e9rentes. Mintos a tir\u00e9 73,4% de ses revenus (10,4 millions d&#8217;euros) des frais de service. Il s&#8217;agit de frais factur\u00e9s aux soci\u00e9t\u00e9s de cr\u00e9dit pour la mise en liste de leurs actifs sur la plateforme Mintos. Historiquement, ce poste a toujours constitu\u00e9 la principale source de revenus de Mintos.<\/p>\r\n<p>Les revenus nets d&#8217;int\u00e9r\u00eats, s&#8217;\u00e9levant \u00e0 1,1 million d&#8217;euros (8,1% du chiffre d&#8217;affaires), ont \u00e9t\u00e9 g\u00e9n\u00e9r\u00e9s \u00e0 partir des fonds des investisseurs non investis. Pour le contexte : depuis l&#8217;obtention de sa licence de courtage en investissement en 2021, Mintos entretient une relation commerciale avec le gestionnaire d&#8217;actifs BlackRock, par l&#8217;interm\u00e9diaire duquel la plateforme place les fonds non investis des investisseurs dans un fonds mon\u00e9taire g\u00e9r\u00e9 par BlackRock.<\/p>\r\n<p data-start=\"1818\" data-end=\"2206\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-32889 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026.png\" alt=\"\" width=\"1200\" height=\"427\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026-300x107.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026-1024x364.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026-768x273.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/427;\" \/><\/a><\/p>\r\n<p data-start=\"2208\" data-end=\"2734\">Les autres sources de revenus comprennent les frais de placement d&#8217;obligations, les frais de gestion, les frais de transaction ponctuels factur\u00e9s aux soci\u00e9t\u00e9s de cr\u00e9dit, les frais d&#8217;inactivit\u00e9 pour les investisseurs, les commissions sur les conversions de devises et les frais li\u00e9s aux transactions sur le march\u00e9 secondaire. Ces postes plus modestes repr\u00e9sentent ensemble environ 18,5% du chiffre d&#8217;affaires total de Mintos.<\/p>\r\n<h3>Visite de Mintos<\/h3>\r\n<p>Au fil des ann\u00e9es, il y a eu plusieurs rencontres en personne avec le fondateur et CEO de Mintos, Martins Sulte : en mars 2019 \u00e0 Riga, fin 2020 \u00e0 Berlin et plus r\u00e9cemment en juin 2024 \u00e9galement \u00e0 Riga.<\/p>\r\n<p>D\u00e8s 2019, Martins m&#8217;a laiss\u00e9 une impression positive. Ouvert, engag\u00e9 et nettement plus accessible que pr\u00e9vu. La conversation la plus r\u00e9cente en 2024 a abord\u00e9 des sujets tels que la transformation de Mintos en plateforme multi-actifs, le d\u00e9veloppement du march\u00e9 des pr\u00eats et le lancement de Mintos Smart Cash.<\/p>\r\n<p>Pour ceux qui s&#8217;int\u00e9ressent au contenu de nos conversations les plus r\u00e9centes, voici les interviews enregistr\u00e9es : <a href=\"https:\/\/youtu.be\/b281IqBJ-vI\"><strong>D\u00e9cembre 2020<\/strong><\/a> | <a href=\"https:\/\/youtu.be\/T40_HhxQSkI\"><strong>Janvier 2021<\/strong><\/a> | <a href=\"https:\/\/youtu.be\/30S5rwnsDrA\"><strong>Juin 2024<\/strong><\/a><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Propriete_et_Gestion\"><\/span>Propri\u00e9t\u00e9 et Gestion<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Qui sont les principaux actionnaires et dirigeants de Mintos ? Voyons cela !<\/p>\r\n<h3>Propri\u00e9t\u00e9 de Mintos<\/h3>\r\n<p data-start=\"0\" data-end=\"313\">Qui poss\u00e8de Mintos ? La plateforme P2P bas\u00e9e en Lettonie est exploit\u00e9e par la soci\u00e9t\u00e9 &#8220;AS Mintos Marketplace&#8221;. Cette soci\u00e9t\u00e9 appartient \u00e0 son tour \u00e0 la soci\u00e9t\u00e9 m\u00e8re &#8220;AS Mintos Holdings&#8221;. Si l&#8217;on consulte le registre des entreprises letton, on y trouve un grand nombre d&#8217;actionnaires diff\u00e9rents pour cette soci\u00e9t\u00e9.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-21995 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership.png\" alt=\"Mintos-Avis-Propri\u00e9t\u00e9\" width=\"1000\" height=\"334\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership-300x100.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership-768x257.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/334;\" \/><\/a><\/p>\r\n<p data-start=\"315\" data-end=\"591\">La plus grande part, soit 30,52 %, appartient \u00e0 AS ALPPES Capital, qui est contr\u00f4l\u00e9e \u00e0 100 % par Aigars Kesenfelds. Le multimillionnaire letton, qui fut l&#8217;un des quatre fondateurs de 4finance en 2008, appara\u00eet rarement en public. Cependant, sa r\u00e9putation le pr\u00e9c\u00e8de largement.<\/p>\r\n<div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\">\r\n<div class=\"flex h-full flex-col overflow-y-auto\">\r\n<div class=\"flex flex-col text-sm md:pb-9\">\r\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-21\" data-scroll-anchor=\"true\">\r\n<div class=\"m-auto text-base py-[18px] px-6\">\r\n<div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\">\r\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\">\r\n<div class=\"flex-col gap-1 md:gap-3\">\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=\"eecd6017-4b99-4e6b-a1a1-935ccc6bc771\" 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=\"593\" data-end=\"737\" data-is-last-node=\"\">L&#8217;article &#8220;<a href=\"https:\/\/www.tvnet.lv\/7171506\/atrais-miljonars\" target=\"_blank\" rel=\"noopener\"><strong>The Fast Millionaire<\/strong><\/a>&#8221; d\u00e9crit l&#8217;ascension et l&#8217;arri\u00e8re-plan de l&#8217;empire d&#8217;Aigars Kesenfelds et r\u00e9v\u00e8le \u00e9galement ses liens avec Mintos.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h3><strong>Gestion de Mintos<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte.png\"><img decoding=\"async\" class=\"size-full wp-image-21998 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte.png\" alt=\"Mintos-Avis-Gestion\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><\/a><\/p>\r\n<p data-start=\"0\" data-end=\"438\">Mintos est repr\u00e9sent\u00e9e \u00e0 la t\u00eate de l&#8217;\u00e9quipe de direction par le PDG et co-fondateur <a href=\"https:\/\/www.linkedin.com\/in\/martinssulte\/\" target=\"_blank\" rel=\"noopener\"><strong>Martins Sulte<\/strong><\/a>. Le citoyen letton a travaill\u00e9 comme banquier d&#8217;investissement chez SEB pendant six ans apr\u00e8s avoir \u00e9tudi\u00e9 l&#8217;\u00e9conomie \u00e0 l&#8217;Universit\u00e9 de Riga. Apr\u00e8s avoir obtenu son MBA en 2013, il a ensuite fond\u00e9 la place de march\u00e9 P2P lettone avec Martins Valters, son ancien superviseur chez Ernst &amp; Young et actuel directeur des op\u00e9rations chez Mintos.<\/p>\r\n<p data-start=\"440\" data-end=\"615\" data-is-last-node=\"\"><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Lors de rencontres personnelles avec Martins de 2019 \u00e0 2024, il a toujours donn\u00e9 une impression soign\u00e9e et comp\u00e9tente. Il \u00e9tait \u00e9galement fr\u00e9quemment disponible pour r\u00e9pondre \u00e0 des questions en dehors des interviews officielles.<\/span><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Inscription_et_Bonus\"><\/span>Inscription et Bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Pour investir sur Mintos, les investisseurs doivent remplir deux exigences importantes : avoir au moins 18 ans et fournir la preuve d&#8217;un compte bancaire europ\u00e9en \u00e0 leur nom.<\/p>\r\n<p>Le processus d&#8217;inscription sur Mintos est tr\u00e8s simple et intuitif. Apr\u00e8s avoir ouvert un compte via email, les questionnaires KYC (connaissance du client) et AML (lutte contre le blanchiment d&#8217;argent) doivent \u00eatre remplis. Cela est suivi par la v\u00e9rification de l&#8217;identit\u00e9 et la d\u00e9claration de la r\u00e9sidence fiscale.<\/p>\r\n<h3>Bonus Mintos<\/h3>\r\n<p data-start=\"0\" data-end=\"325\">\n    <style>\n      #rtp-bonusbox-6ae5c2d08c376 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5c2d08c376 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5c2d08c376 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5c2d08c376 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5c2d08c376 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5c2d08c376{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5c2d08c376:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5c2d08c376 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5c2d08c376 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5c2d08c376\" 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 decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Mintos.png\" alt=\"Mintos\" style=\"--smush-placeholder-width: 386px; --smush-placeholder-aspect-ratio: 386\/100;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\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:68%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3,4)<\/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 un bonus de 25 \u20ac s'ils investissent au moins 1 500 \u20ac dans les 30 jours suivant l'inscription et conservent ce montant jusqu'au 90e jour. Les investissements en Smart Cash ne sont pas pris en compte.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5c2d08c376\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-mintos\" 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 Mintos<\/h3>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">L&#8217;industrie du pr\u00eat P2P est un environnement en \u00e9volution rapide. Assurez-vous de rester inform\u00e9 en vous abonnant \u00e0 mes cha\u00eenes sur<\/span> <a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\" target=\"_blank\" rel=\"noopener\"><strong>Telegram<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> ou <\/span><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\" target=\"_blank\" rel=\"noopener\"><strong>WhatsApp<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">. De cette mani\u00e8re, vous recevrez toujours les derni\u00e8res informations sur l&#8217;industrie P2P, y compris les actualit\u00e9s des plateformes concernant Mintos.<\/span><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investir_sur_Mintos\"><\/span>Investir sur<strong> Mintos<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Comment fonctionne Mintos et que doivent savoir et consid\u00e9rer les investisseurs lorsqu&#8217;ils investissent sur la place de march\u00e9 ? Dans les sections suivantes de ma revue de Mintos, vous trouverez toutes les informations n\u00e9cessaires dont vous avez besoin.<\/p>\r\n<h3>Offre de Pr\u00eats<\/h3>\r\n<p>Les 80+ pr\u00eateurs repr\u00e9sent\u00e9s sur Mintos offrent une vari\u00e9t\u00e9 de types de pr\u00eats diff\u00e9rents. Ceux-ci incluent :<\/p>\r\n<ul>\r\n<li><strong>Priv\u00e9<\/strong> : Pr\u00eats \u00e0 la consommation, pr\u00eats sur salaire, pr\u00eats auto<\/li>\r\n<li><strong>Entreprises<\/strong> : Pr\u00eats aux entreprises, pr\u00eats agricoles et pr\u00eats de factoring<\/li>\r\n<li><strong>Immobilier<\/strong> : Pr\u00eats hypoth\u00e9caires<\/li>\r\n<\/ul>\r\n<p>Du point de vue de l&#8217;investisseur, le grand nombre de types de pr\u00eats est un avantage consid\u00e9rable pour diversifier le portefeuille de pr\u00eats sur Mintos.<\/p>\r\n<p>Les investisseurs peuvent obtenir une diversification suppl\u00e9mentaire gr\u00e2ce \u00e0 la s\u00e9lection g\u00e9ographique de leurs pr\u00eats P2P, car jusqu&#8217;\u00e0 33 pays diff\u00e9rents peuvent \u00eatre choisis pour les investissements. L&#8217;accent g\u00e9ographique est mis sur l&#8217;Europe, avec une concentration sur les \u00c9tats baltes, les Balkans et l&#8217;Europe de l&#8217;Est. Cependant, il est \u00e9galement possible d&#8217;investir en Afrique (Afrique du Sud, Zambie, Namibie, Botswana, Kenya), en Am\u00e9rique du Sud (Colombie, Mexique) ou en Asie du Sud-Est (Philippines, Vietnam, Indon\u00e9sie).<\/p>\r\n<p>Les conditions des pr\u00eats d\u00e9pendent de la soci\u00e9t\u00e9 de pr\u00eat et de la structure des obligations individuelles (notes).<\/p>\r\n<h3><strong>Obligations Fractionn\u00e9es<\/strong><\/h3>\r\n<p>Gr\u00e2ce \u00e0 sa licence en tant que soci\u00e9t\u00e9 de courtage, Mintos peut rendre d&#8217;autres classes d&#8217;actifs accessibles \u00e0 sa communaut\u00e9 d&#8217;investisseurs, en plus de l&#8217;activit\u00e9 de pr\u00eat. Depuis octobre 2023, cela inclut \u00e9galement la possibilit\u00e9 d&#8217;investir dans des obligations.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-18025 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds.png\" alt=\"Mintos-Avis-Obligations-Fractionn\u00e9es\" width=\"1000\" height=\"248\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds-300x74.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds-768x190.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/248;\" \/><\/a><\/p>\r\n<p>Ce qui est int\u00e9ressant ici, c&#8217;est \u00e0 la fois le faible montant minimum d&#8217;investissement de seulement 50 EUR et le fait qu&#8217;il n&#8217;y a pas de frais de gestion. La premi\u00e8re offre sur Mintos provient du groupe Eleving (anciennement Mogo). L&#8217;obligation de 3 millions d&#8217;euros a une dur\u00e9e de 5 ans et offre aux investisseurs un taux d&#8217;int\u00e9r\u00eat de 13 %.<\/p>\r\n<h3>High-Yield Bonds Portfolio<\/h3>\r\n<p data-start=\"1198\" data-end=\"1551\">En novembre 2025, Mintos a lanc\u00e9 le portefeuille automatis\u00e9 \u00ab High-Yield Bonds Portfolio \u00bb, une extension de son offre de obligations existante. L\u2019id\u00e9e est assez simple : au lieu de s\u00e9lectionner des obligations individuelles, Mintos cr\u00e9e un portefeuille large avec au moins 20 obligations \u00e0 haut rendement diff\u00e9rentes provenant de diverses industries.<\/p>\r\n<p data-start=\"1553\" data-end=\"1796\">Avantages pour les investisseurs : diversification plus large, revenus plus pr\u00e9visibles et r\u00e9guliers, et une fonction de retrait quotidien (liquidit\u00e9 selon les conditions du march\u00e9). Le montant minimum d\u2019investissement est fix\u00e9 \u00e0 50 EUR.<\/p>\r\n<p data-start=\"1553\" data-end=\"1796\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-30068 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios.jpg\" alt=\"\" width=\"951\" height=\"334\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios.jpg 951w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios-300x105.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios-768x270.jpg 768w\" data-sizes=\"(max-width: 951px) 100vw, 951px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 951px; --smush-placeholder-aspect-ratio: 951\/334;\" \/><\/a><\/p>\r\n<p data-start=\"1798\" data-end=\"1945\">Jusqu\u2019\u00e0 la fin de 2025, les portefeuilles d\u2019obligations seront gratuits. \u00c0 partir de 2026, des frais de gestion annuels de 0,39 % s\u2019appliqueront.<\/p>\r\n<p data-start=\"1947\" data-end=\"2304\" data-is-last-node=\"\" data-is-only-node=\"\">Le lancement du \u00ab High-Yield Bonds Portfolio \u00bb ressemble fortement \u00e0 celui d\u2019Invest &amp; Access par Mintos en 2019, qui visait \u00e0 offrir une alternative \u00e0 Bondora Go &amp; Grow. Au moins, les trois objectifs sous-jacents sont presque identiques : augmenter les revenus, int\u00e9grer les offres moins populaires et offrir apparemment plus de liquidit\u00e9 aux investisseurs.<\/p>\r\n<h3 data-start=\"0\" data-end=\"32\"><strong data-start=\"0\" data-end=\"32\">Portefeuille Mintos Core ETF<\/strong><\/h3>\r\n<p data-start=\"34\" data-end=\"497\">Avec le portefeuille Mintos Core ETF, la place de march\u00e9 P2P a ajout\u00e9 une autre classe d&#8217;actifs en d\u00e9cembre 2023. La plateforme s&#8217;occupe de tous les aspects de la gestion de portefeuille, y compris l&#8217;analyse du march\u00e9, la s\u00e9lection des ETFs et la planification des transactions. Sur la base d&#8217;un catalogue de questions, l&#8217;entreprise assemble un portefeuille ETF con\u00e7u pour correspondre \u00e0 la tol\u00e9rance au risque et aux objectifs d&#8217;investissement de l&#8217;investisseur.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-18996 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio.png\" alt=\"Mintos-Review-Core-ETF-Portfolio\" width=\"1000\" height=\"152\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio-300x46.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio-768x117.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/152;\" \/><\/a><\/p>\r\n<div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\">\r\n<div class=\"flex h-full flex-col overflow-y-auto\">\r\n<div class=\"flex flex-col text-sm\">\r\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-43\" data-scroll-anchor=\"true\">\r\n<div class=\"m-auto text-base py-[18px] px-6\">\r\n<div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\">\r\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\">\r\n<div class=\"flex-col gap-1 md:gap-3\">\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=\"789aa8c4-bd10-4527-a801-45356e0dce2a\" 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=\"499\" data-end=\"655\" data-is-last-node=\"\">Les investissements dans le Mintos Core ETF peuvent \u00eatre r\u00e9alis\u00e9s \u00e0 partir de seulement 50 EUR. Actuellement, Mintos ne facture aucun frais pour ce service.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h3>Mintos Smart Cash<\/h3>\r\n<p data-start=\"0\" data-end=\"264\">En juin 2024, la place de march\u00e9 P2P a lanc\u00e9 <a href=\"https:\/\/bit.ly\/rethink-p2p-goes-mintos-smart-cash\" target=\"_blank\" rel=\"noopener\"><strong>Mintos Smart Cash<\/strong><\/a>. Ici, les investisseurs peuvent placer leurs r\u00e9serves de liquidit\u00e9s de mani\u00e8re flexible et obtenir un rendement allant jusqu&#8217;\u00e0 2,0 %. Le rendement est g\u00e9n\u00e9r\u00e9 par un fonds mon\u00e9taire g\u00e9r\u00e9 par BlackRock.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-30009 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025.jpg\" alt=\"\" width=\"1200\" height=\"166\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025.jpg 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025-300x42.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025-1024x142.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025-768x106.jpg 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/166;\" \/><\/a><\/p>\r\n<div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\">\r\n<div class=\"flex h-full flex-col overflow-y-auto\">\r\n<div class=\"flex flex-col text-sm md:pb-9\">\r\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-45\" data-scroll-anchor=\"true\">\r\n<div class=\"m-auto text-base py-[18px] px-6\">\r\n<div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\">\r\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\">\r\n<div class=\"flex-col gap-1 md:gap-3\">\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=\"af739514-ab60-49df-8123-f83e21a4ef80\" 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=\"266\" data-end=\"603\" data-is-last-node=\"\">Mintos travaille avec BlackRock depuis sa licence IBF et y g\u00e8re les fonds non investis des comptes d&#8217;investisseurs. Cela a permis \u00e0 Mintos de g\u00e9n\u00e9rer un revenu de 1,2 million d&#8217;euros en 2023 (soit 10,7 % du revenu total). D&#8217;autres d\u00e9tails concernant Mintos Smart Cash ont \u00e9t\u00e9 discut\u00e9s avec le PDG Martins Sulte lors de mon s\u00e9jour \u00e0 Riga.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<p><iframe title=\"Mintos Smart Cash: Instant Liquidity &amp; Up To 3.75% Return?\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/30S5rwnsDrA?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\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\r\n<h3 data-start=\"0\" data-end=\"356\">Investissements en cryptomonnaies sur Mintos<\/h3>\r\n<p data-start=\"0\" data-end=\"356\">Depuis mars 2026, les investisseurs sur Mintos peuvent \u00e9galement investir dans des cryptomonnaies. Cela se fait via des crypto-ETP r\u00e9gul\u00e9s, ce qui signifie qu\u2019aucun portefeuille, aucune cl\u00e9 priv\u00e9e ni aucune plateforme d\u2019\u00e9change externe ne sont n\u00e9cessaires. Mintos offre ainsi un acc\u00e8s simple et r\u00e9gul\u00e9 aux investissements traditionnels en cryptomonnaies.<\/p>\r\n<p data-start=\"358\" data-end=\"571\">Au lancement, sept cryptomonnaies sont disponibles (Bitcoin, Ethereum, Ripple, Solana, TRON, Avalanche et Litecoin), n\u00e9gociables via des fournisseurs de produits bien connus tels que BlackRock iShares et VanEck.<\/p>\r\n<p data-start=\"358\" data-end=\"571\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-31817 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026.png\" alt=\"Mintos-Opiniones-cryptomonnaies\" width=\"1000\" height=\"406\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026-300x122.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026-768x312.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/406;\" \/><\/a><\/p>\r\n<p data-start=\"573\" data-end=\"834\">Les crypto-ETP (Exchange Traded Products) sont n\u00e9goci\u00e9s sur des march\u00e9s europ\u00e9ens r\u00e9gul\u00e9s et sont physiquement adoss\u00e9s. Cela signifie que les cryptomonnaies sous-jacentes sont r\u00e9ellement d\u00e9tenues, ce qui r\u00e9duit le risque par rapport aux produits synth\u00e9tiques.<\/p>\r\n<p data-start=\"836\" data-end=\"1046\">Le trading de cryptomonnaies sur Mintos est possible \u00e0 partir de seulement 5 \u20ac, avec des frais de transaction de 0,49 % (ou un minimum de 0,99 \u20ac). Les transactions restent gratuites jusqu\u2019\u00e0 la fin avril 2026.<\/p>\r\n<h3 data-start=\"836\" data-end=\"1046\">Actions sur Mintos<\/h3>\r\n<p dir=\"ltr\">En octobre 2026, Mintos a \u00e9largi son offre \u00e0 la n\u00e9gociation d\u2019actions. Selon la plateforme, plus de 4 000 titres issus des bourses am\u00e9ricaines, europ\u00e9ennes et mondiales sont disponibles. Il est possible d\u2019investir d\u00e8s 1 \u20ac, ce que permet la n\u00e9gociation par fractions (fractional shares), que les investisseurs connaissent d\u00e9j\u00e0 des ETF et des Fractional Bonds. Il est en outre possible de mettre en place des plans d\u2019\u00e9pargne, au choix hebdomadaires, mensuels ou trimestriels.<\/p>\r\n<p dir=\"ltr\">Selon Mintos, aucuns frais d\u2019ordre, de garde ou de retrait ne sont factur\u00e9s. Les petits caract\u00e8res pr\u00e9cisent toutefois que les \u00ab diff\u00e9rences de prix de march\u00e9 habituelles \u00bb subsistent. Il s\u2019agit ici du spread entre le cours d\u2019achat et le cours de vente. Les co\u00fbts ne disparaissent donc pas, ils deviennent simplement moins visibles.<\/p>\r\n<p dir=\"ltr\">S\u2019y ajoute une limitation fonctionnelle : selon Mintos, les ordres \u00e0 cours limit\u00e9 sont encore en cours de d\u00e9veloppement. Jusque-l\u00e0, seuls les ordres au march\u00e9 sont disponibles, ce qui ne laisse aux investisseurs que peu de contr\u00f4le sur le cours d\u2019ex\u00e9cution. Pour les valeurs liquides et \u00e9tablies, cela importe peu, mais pour les titres plus petits ou dans des phases de march\u00e9 volatiles, cela compte.<\/p>\r\n<h3>Co\u00fbts et Frais<\/h3>\r\n<p data-start=\"0\" data-end=\"209\">Les investisseurs peuvent s&#8217;inscrire gratuitement sur Mintos. Il n&#8217;y a \u00e9galement aucun co\u00fbt ni frais cach\u00e9s pour les d\u00e9p\u00f4ts et les retraits. Cependant, il existe certains frais \u00e0 prendre en compte sur Mintos :<\/p>\r\n<ul>\r\n<li><strong data-start=\"385\" data-end=\"407\">Frais d&#8217;inactivit\u00e9<\/strong> : 4,90 EUR par mois<\/li>\r\n<li data-start=\"340\" data-end=\"382\"><strong>D\u00e9p\u00f4ts par carte, Apple Pay ou Google Pay<\/strong> : 2 %<\/li>\r\n<li data-start=\"211\" data-end=\"289\"><strong data-start=\"213\" data-end=\"278\">Frais de transaction pour les ventes via le march\u00e9 secondaire<\/strong> : 0,85 %<\/li>\r\n<li data-start=\"290\" data-end=\"339\"><strong data-start=\"292\" data-end=\"317\">Conversion de devises<\/strong> : \u00e0 partir de 0,5 %<\/li>\r\n<li data-start=\"383\" data-end=\"429\"><strong data-start=\"432\" data-end=\"470\">Frais de gestion Mintos Core Loans<\/strong> : 0,39 %<\/li>\r\n<li><strong data-start=\"432\" data-end=\"470\">Frais de gestion Mintos Custom Loans<\/strong> : 0,29 %<\/li>\r\n<li data-start=\"340\" data-end=\"382\"><strong data-start=\"342\" data-end=\"371\">Acc\u00e8s \u00e0 Mintos Smart Cash<\/strong> : 0,19 %<\/li>\r\n<\/ul>\r\n<h3>Rendements Attendus<\/h3>\r\n<p data-start=\"0\" data-end=\"220\">Selon Mintos, le rendement net sur la plateforme se situe entre 10 % et 12 %. Le calcul est effectu\u00e9 en incluant un taux de perte annuel. Pour cette raison, le rendement sur investissement en 2020 est seulement de 2,4 %.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-18994 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return.png\" alt=\"Mintos-Avis-Rendements-Attendus\" width=\"1000\" height=\"376\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return-300x113.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return-768x289.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/376;\" \/><\/a><\/p>\r\n<blockquote>\r\n<p><em><span class=\"m-u-fs-5 m-u-color-1-75--text\" data-v-6723cef0=\"\">Write-downs were taken on loans issued by suspended credit entities based on our recovery estimates.<\/span><\/em><\/p>\r\n<\/blockquote>\r\n<div class=\"m-u-d-none m-u-d--md-block m-u-margin-top-6 m-u-margin-bottom-5\" data-v-65c97274=\"\" data-v-6723cef0=\"\">\r\n<div class=\"chart-container\" data-testid=\"cas-chart\" data-v-65c97274=\"\">\r\n<div dir=\"ltr\">\r\n<div aria-label=\"Diagramma.\">\r\n<p data-start=\"359\" data-end=\"514\">Dans le cas o\u00f9 d&#8217;autres pertes provenant des recouvrements en cours seraient radi\u00e9es \u00e0 l&#8217;avenir, le rendement net serait ajust\u00e9 \u00e0 la baisse en cons\u00e9quence.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\">\r\n<div class=\"flex h-full flex-col overflow-y-auto\">\r\n<div class=\"flex flex-col text-sm\">\r\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-49\" data-scroll-anchor=\"true\">\r\n<div class=\"m-auto text-base py-[18px] px-6\">\r\n<div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\">\r\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\">\r\n<div class=\"flex-col gap-1 md:gap-3\">\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=\"49150bf8-f04f-461e-8485-173a32528d30\" 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=\"516\" data-end=\"822\" data-is-last-node=\"\">Apr\u00e8s cinq ans avec Mintos, mon rendement personnel est de 10,79 %. Cependant, il reste plus de 1 000 EUR dans le processus de recouvrement, que j&#8217;ai d\u00e9clar\u00e9s comme une perte puisque aucun recouvrement n&#8217;a \u00e9t\u00e9 effectu\u00e9 pendant deux ann\u00e9es cons\u00e9cutives. En cons\u00e9quence, mon rendement total a chut\u00e9 \u00e0 7,22 %.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h3><strong>Auto Invest<\/strong><\/h3>\r\n<p data-start=\"0\" data-end=\"245\">Mintos propose une fonction d&#8217;investissement automatique (Mintos Custom Loans), qui permet de d\u00e9finir \u00e0 l&#8217;avance des crit\u00e8res personnalis\u00e9s pour la s\u00e9lection des pr\u00eats. Cela signifie que les remboursements des pr\u00eats sont automatiquement r\u00e9investis, sans intervention manuelle n\u00e9cessaire. Avec l&#8217;investissement automatique de Mintos, il est possible de configurer notamment les param\u00e8tres suivants :<\/p>\r\n<ul>\r\n<li data-start=\"247\" data-end=\"299\">S\u00e9lection des pr\u00eateurs et des pays d&#8217;emprunteurs<\/li>\r\n<li data-start=\"300\" data-end=\"353\">Type de pr\u00eat (Personnel, Entreprises, Immobilier)<\/li>\r\n<li data-start=\"354\" data-end=\"387\">Garantie de rachat (Oui, Non)<\/li>\r\n<li data-start=\"388\" data-end=\"423\">Taux d&#8217;int\u00e9r\u00eat : De 5 % \u00e0 30+ %<\/li>\r\n<li data-start=\"424\" data-end=\"459\">Dur\u00e9e du pr\u00eat : Jusqu&#8217;\u00e0 72 mois<\/li>\r\n<li data-start=\"460\" data-end=\"500\">Montant de l&#8217;investissement par pr\u00eat<\/li>\r\n<\/ul>\r\n<p data-start=\"502\" data-end=\"742\">Le montant minimum d\u2019investissement sur Mintos est de 10 euros. Depuis le 16 mai 2025, des frais annuels de 0,29\u202f% sont factur\u00e9s pour l\u2019utilisation des \u00ab\u202fPortefeuilles de pr\u00eats personnalis\u00e9s\u202f\u00bb. Ces frais s\u2019appliquent aussi bien au march\u00e9 primaire qu\u2019au march\u00e9 secondaire.<\/p>\r\n<p data-start=\"744\" data-end=\"1009\" data-is-last-node=\"\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-27701 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees.png\" alt=\"\" width=\"800\" height=\"301\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees-300x113.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees-768x289.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/301;\" \/><\/a><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Impots_Mintos\"><\/span><strong>Imp\u00f4ts Mintos<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Depuis que Mintos est devenu une soci\u00e9t\u00e9 de courtage agr\u00e9\u00e9e, la plateforme est d\u00e9sormais l\u00e9galement oblig\u00e9e de retenir des imp\u00f4ts sur vos gains provenant des investissements dans des instruments financiers r\u00e9glement\u00e9s (Notes). L&#8217;imp\u00f4t sera automatiquement retenu apr\u00e8s le paiement des int\u00e9r\u00eats.<\/p>\r\n<p>Le taux d&#8217;imposition applicable d\u00e9pend du pays de votre r\u00e9sidence fiscale et des informations fiscales et certificats soumis.<\/p>\r\n<ul>\r\n<li>20 % pour les investisseurs priv\u00e9s et r\u00e9sidents fiscaux de la Lettonie<\/li>\r\n<li>20 % pour les investisseurs en dehors de l&#8217;UE\/EEE<\/li>\r\n<li>5 % pour les investisseurs priv\u00e9s r\u00e9sidant dans l&#8217;UE\/EEE (sauf pour la Lettonie)<\/li>\r\n<li>0 % pour les r\u00e9sidents fiscaux lituaniens (certificat fiscal requis)<\/li>\r\n<li>0 % pour les entit\u00e9s juridiques<\/li>\r\n<\/ul>\r\n<p>Lorsque vous payez des imp\u00f4ts dans votre pays de r\u00e9sidence, les imp\u00f4ts retenus peuvent g\u00e9n\u00e9ralement \u00eatre d\u00e9duits du solde global. Cela signifie que le taux de taxation effectif sera le m\u00eame qu&#8217;auparavant lorsqu&#8217;il s&#8217;agissait d&#8217;investir dans des droits de cr\u00e9ance. Pour acc\u00e9der aux donn\u00e9es pertinentes, Mintos propose de t\u00e9l\u00e9charger des rapports fiscaux et des \u00e9tats de revenus directement depuis la plateforme.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Risques_de_Mintos\"><\/span>Risques de Mintos<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Mintos a travers\u00e9 plusieurs crises et probl\u00e8mes par le pass\u00e9. Bien que les origines de ces crises ne soient pas directement li\u00e9es \u00e0 Mintos (pand\u00e9mie de Covid-19, guerre en Ukraine), elles ont clairement mis en \u00e9vidence les probl\u00e8mes au sein de la plateforme. En particulier en 2020, de nombreuses actions et implications ont terni l&#8217;image de la plateforme, notamment en ce qui concerne son int\u00e9grit\u00e9.<\/p>\r\n<h3>Risque de la Plateforme<\/h3>\r\n<p>Mintos, exploit\u00e9 par AS Mintos Marketplace, a \u00e9t\u00e9 fond\u00e9 en janvier 2015 et est l&#8217;une des plateformes P2P les plus exp\u00e9riment\u00e9es d&#8217;Europe. Sur son march\u00e9 national, la plateforme est supervis\u00e9e et contr\u00f4l\u00e9e par la Banque Centrale de Lettonie (Latvijas Banka).<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Score de S\u00e9curit\u00e9<\/div>\n      <div class=\"ss-rank\">Place 11 sur 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">6.2<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Risque Moyen<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">R\u00e9gulation &amp; Licence<\/span>\n      <div class=\"ss-cat-bar\"><div 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\">Stabilit\u00e9 Financi\u00e8re<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:80%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">16 \/ 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--r\" style=\"width:12%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">3 \/ 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--y\" style=\"width:52%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">13 \/ 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<h4>R\u00e9glementation et Licence<\/h4>\r\n<p>Depuis ao\u00fbt 2021, AS Mintos Marketplace d\u00e9tient une Licence d&#8217;Entreprise d&#8217;Investissement \u00e9mise par la Banque Centrale de Lettonie. Gr\u00e2ce \u00e0 son statut r\u00e9glementaire, la plateforme est soumise aux exigences de la Directive sur les March\u00e9s d&#8217;Instruments Financiers (MiFID II).<\/p>\r\n<p>En cons\u00e9quence, les comptes des investisseurs sont prot\u00e9g\u00e9s jusqu&#8217;\u00e0 20 000 euros (90 % de la perte nette) par le syst\u00e8me d&#8217;indemnisation des investisseurs letton, en cas d&#8217;insolvabilit\u00e9 de la plateforme ou de d\u00e9tournement des fonds des investisseurs. Les \u00e9ventuels d\u00e9fauts de paiement des \u00e9metteurs de pr\u00eats ne sont pas couverts par ce syst\u00e8me.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-22116 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation.png\" alt=\"Mintos-Avis-Risque-Plateforme\" width=\"1000\" height=\"326\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation-300x98.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation-768x250.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/326;\" \/><\/a><\/p>\r\n<p>Gr\u00e2ce \u00e0 son statut r\u00e9glementaire, Mintos est \u00e9galement tenu de respecter un niveau \u00e9lev\u00e9 de conformit\u00e9 et de transparence, notamment la <strong><a href=\"https:\/\/www.mintos.com\/en\/about\/investor-relations\/\">publication r\u00e9guli\u00e8re d&#8217;\u00e9tats financiers<\/a><\/strong> audit\u00e9s par KPMG Baltics, qui fournissent un aper\u00e7u de la stabilit\u00e9 financi\u00e8re de la plateforme.<\/p>\r\n<h4>S\u00e9gr\u00e9gation des Fonds et Protection des D\u00e9p\u00f4ts<\/h4>\r\n<p>En vertu de la r\u00e9glementation MiFID II, Mintos est tenu de conserver les fonds et instruments financiers des investisseurs s\u00e9par\u00e9ment des actifs propres de la plateforme. En cas d&#8217;insolvabilit\u00e9, ces fonds sont prot\u00e9g\u00e9s contre les proc\u00e9dures d&#8217;ex\u00e9cution et ne peuvent pas \u00eatre utilis\u00e9s pour r\u00e9gler des cr\u00e9ances envers des tiers.<\/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\">Mintos en Situations de Crise<\/h4>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">Dans le pass\u00e9, Mintos 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> Mintos a r\u00e9pondu rapidement \u00e0 la crise par une s\u00e9rie de mesures, notamment une r\u00e9duction des co\u00fbts d&#8217;environ 40 %, le licenciement de 45 employ\u00e9s et une r\u00e9duction significative des budgets marketing. Deux mesures en particulier se sont r\u00e9v\u00e9l\u00e9es controvers\u00e9es.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">L&#8217;extension de calendrier, initialement introduite en octobre 2019, a \u00e9t\u00e9 \u00e9tendue en mars 2020 \u00e0 6 intervalles de 31 jours chacun. Il a \u00e9galement \u00e9t\u00e9 rendu possible de reporter davantage les pr\u00eats d\u00e9j\u00e0 en d\u00e9faut. Ce faisant, Mintos a non seulement agi \u00e0 l&#8217;encontre de ses propres conditions d&#8217;utilisation, mais a \u00e9galement privil\u00e9gi\u00e9 les int\u00e9r\u00eats des \u00e9metteurs de pr\u00eats au d\u00e9triment de ceux des investisseurs.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-22110 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension.png\" alt=\"Mintos-Review-Schedule-Extension\" width=\"900\" height=\"278\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension-300x93.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension-768x237.png 768w\" data-sizes=\"(max-width: 900px) 100vw, 900px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 900px; --smush-placeholder-aspect-ratio: 900\/278;\" \/><\/a><\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">Tout aussi controvers\u00e9e a \u00e9t\u00e9 l&#8217;introduction de nouvelles conditions g\u00e9n\u00e9rales en ao\u00fbt 2020, qui comprenaient une disposition obligeant les investisseurs \u00e0 partager les frais juridiques en cas de d\u00e9faut des \u00e9metteurs de pr\u00eats. Ce transfert de responsabilit\u00e9 de Mintos vers l&#8217;investisseur a \u00e9t\u00e9 accueilli avec de vives critiques de la part de la communaut\u00e9 des investisseurs.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>Guerre en Ukraine :<\/strong> Suite au d\u00e9clenchement de la guerre en Ukraine en f\u00e9vrier 2022, Mintos a suspendu tous les nouveaux investissements dans les pr\u00eats russes et ukrainiens. Au total, huit \u00e9metteurs de pr\u00eats ont \u00e9t\u00e9 affect\u00e9s. Ceux-ci ont \u00e9t\u00e9 imm\u00e9diatement retir\u00e9s des strat\u00e9gies Mintos et tant les pr\u00eats russes qu&#8217;ukrainiens ne pouvaient d\u00e9sormais \u00eatre n\u00e9goci\u00e9s que via le march\u00e9 secondaire.<\/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. Mintos est-elle en mesure d&#8217;op\u00e9rer de mani\u00e8re rentable ? Et quelles conclusions peut-on tirer du bilan ?<\/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:\/\/assets.mintos.com\/C89DF435-17D9-B948-991F-B13A82348D3D.pdf?_gl=1*vljqb5*_gcl_au*MTIwMzM4Mzc1Ny4xNzc2MTkzMTcw*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NzYyMzU5MzAkbzE3MSRnMCR0MTc3NjIzNTkzMSRqNTkkbDAkaDc0MTcwOTc2NQ..*_fplc*OEJUT29SekZUbE1vbWZWYjM3R2NpUDl3MW9tZmFCUkRNY0FTUkFvbiUyQm5MMnpXcXNDZCUyRnJQQXBjSTZkS3dZZldXc0Y4bWNOYUJvMmRXSHdNYSUyQmVET0FjcW9LVE5hM012YXU1QnZhb3A1RHczWHpjJTNE\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tAS Mintos Marketplace \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-green\"><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 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 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\">Auditeur: KPMG Baltics<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Cabinet d&#039;audit \u00e9tabli et ind\u00e9pendant (Top 10 mondial).<\/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-green\"><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: IFRS<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Norme reconnue internationalement. Transparente et comparable.<\/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 Mintos pour 2025. Le rapport a \u00e9t\u00e9 pr\u00e9par\u00e9 par KPMG Baltics et audit\u00e9 conform\u00e9ment aux normes IFRS. Les chiffres pr\u00e9sentent donc un certain degr\u00e9 de cr\u00e9dibilit\u00e9.<\/p>\r\n<h4>Rentabilit\u00e9<\/h4>\r\n<p data-start=\"543\" data-end=\"692\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Mintos<\/span><\/span> a enregistr\u00e9 des pertes d\u2019environ 2 millions d\u2019euros au cours de chacun des deux derniers exercices financiers.<\/p>\r\n<p data-start=\"543\" data-end=\"692\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-32893 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026.png\" alt=\"Mintos-Avis-Rentabilite\" width=\"1200\" height=\"553\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026-300x138.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026-1024x472.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026-768x354.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/553;\" \/><\/a><\/p>\r\n<p data-start=\"694\" data-end=\"1109\" data-is-last-node=\"\" data-is-only-node=\"\">Bien que les revenus aient augment\u00e9 de 17 % pour atteindre 14,1 millions d\u2019euros, les d\u00e9penses op\u00e9rationnelles ont \u00e9galement continu\u00e9 \u00e0 augmenter. En particulier, on observe des hausses importantes des co\u00fbts de personnel (6,5 millions d\u2019euros ; ann\u00e9e pr\u00e9c\u00e9dente : 5,1 millions d\u2019euros) et des investissements dans de nouveaux syst\u00e8mes informatiques (3,8 millions d\u2019euros ; ann\u00e9e pr\u00e9c\u00e9dente : 2,8 millions d\u2019euros).<\/p>\r\n<h4>Balance<\/h4>\r\n<p data-start=\"1069\" data-end=\"1413\">La forte croissance de <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Mintos<\/span><\/span> se refl\u00e8te clairement dans ses chiffres de bilan. Bien que l\u2019entreprise soit d\u00e9j\u00e0 en mesure de g\u00e9n\u00e9rer un flux de tr\u00e9sorerie op\u00e9rationnel positif (1,38 million d\u2019euros), les flux de tr\u00e9sorerie li\u00e9s aux activit\u00e9s d\u2019investissement restent nettement plus \u00e9lev\u00e9s (3,72 millions d\u2019euros).<\/p>\r\n<p data-start=\"1415\" data-end=\"1750\">Afin de compenser les pertes continues, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Mintos<\/span><\/span> a proc\u00e9d\u00e9 \u00e0 une augmentation de capital au premier semestre 2026, injectant 2,2 millions d\u2019euros suppl\u00e9mentaires dans l\u2019entreprise. Les fonds provenaient d\u2019une lev\u00e9e de capitaux au cours de laquelle des investisseurs priv\u00e9s ont apport\u00e9 2,8 millions d\u2019euros.<\/p>\r\n<p data-start=\"1415\" data-end=\"1750\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-32897 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026.png\" alt=\"Mintos-Avis-Bilan-2026\" width=\"1200\" height=\"458\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026-300x115.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026-1024x391.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026-768x293.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/458;\" \/><\/a><\/p>\r\n<p data-start=\"1752\" data-end=\"2145\" data-is-last-node=\"\" data-is-only-node=\"\">Le ratio de fonds propres est pass\u00e9 \u00e0 36,3 %, mais reste \u00e0 un niveau acceptable. En outre, le ratio de liquidit\u00e9 (1,37) et le ratio d\u2019endettement (1,75) se sont d\u00e9t\u00e9rior\u00e9s. Pour une entreprise orient\u00e9e vers la croissance, le bilan n\u2019est pas alarmant, mais pas non plus confortable. Tant que la croissance se poursuit et que de nouveaux capitaux arrivent, il ne devrait pas y avoir de probl\u00e8me.<\/p>\r\n<hr \/>\r\n<h3 data-start=\"539\" data-end=\"572\">Risque du Pr\u00eateur<\/h3>\r\n<p data-start=\"574\" data-end=\"835\">Au niveau des actionnaires, Mintos a toujours eu des chevauchements importants avec de nombreuses soci\u00e9t\u00e9s de pr\u00eat. Cela pose le probl\u00e8me que les mesures prises servent souvent d\u2019abord les int\u00e9r\u00eats des actionnaires et seulement ensuite ceux des investisseurs.<\/p>\r\n<p data-start=\"837\" data-end=\"991\" data-is-last-node=\"\" data-is-only-node=\"\">Particuli\u00e8rement avant l\u2019obtention de la licence IBF, plusieurs cas de conflits d\u2019int\u00e9r\u00eats apparents ont entra\u00een\u00e9 des d\u00e9savantages pour les investisseurs.<\/p>\r\n<h4><strong>Finko Group<\/strong><\/h4>\r\n<p data-start=\"870\" data-end=\"1219\">Avec un portefeuille en cours d\u2019environ 100 millions d\u2019EUR, le groupe Finko \u00e9tait le plus grand pr\u00eateur non bancaire sur Mintos au d\u00e9but de 2020. L\u2019ann\u00e9e pr\u00e9c\u00e9dente, le groupe \u2014 repr\u00e9sent\u00e9 sur Mintos par sept soci\u00e9t\u00e9s de pr\u00eat \u2014 avait financ\u00e9 366 millions d\u2019EUR de pr\u00eats \u00e0 la consommation et g\u00e9n\u00e9r\u00e9 un b\u00e9n\u00e9fice de 17,6 millions d\u2019EUR.<\/p>\r\n<p><iframe title=\"Mintos \u274c Zerfall der Finko Gruppe \u274c Varks Verstrickungen \u274c \u25ba Interview \u25c4\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/T40_HhxQSkI?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\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\r\n<div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\">\r\n<div class=\"flex h-full flex-col overflow-y-auto\">\r\n<div class=\"flex flex-col text-sm\">\r\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-61\" data-scroll-anchor=\"true\">\r\n<div class=\"m-auto text-base py-[18px] px-6\">\r\n<div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\">\r\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\">\r\n<div class=\"flex-col gap-1 md:gap-3\">\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=\"ce3c6ce0-dea7-42ba-9346-5b7de9c26f18\" 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=\"365\" data-end=\"866\" data-is-last-node=\"\"><span style=\"font-size: 1.125rem;\">Un an plus tard, il ne restait gu\u00e8re plus qu\u2019une coquille vide du groupe. Certains pr\u00eateurs ont vu leurs licences r\u00e9voqu\u00e9es dans des circonstances douteuses (comme Varks en Arm\u00e9nie), d\u2019autres ont d\u00e9pos\u00e9 le bilan (Metrokredit et Kiva en Russie), et certains ont \u00e9t\u00e9 vendus pour une fraction de leur valeur \u00e0 des concurrents ayant les m\u00eames actionnaires (comme Sebo en Moldavie). Par cons\u00e9quent, aucun fonds ne restait pour honorer les garanties de rachat pr\u00e9c\u00e9demment promues.<\/span><\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h4><strong>Varks<\/strong><\/h4>\r\n<p data-start=\"1029\" data-end=\"1477\">Avec un portefeuille en cours de 30 millions d\u2019EUR sur Mintos, le pr\u00eateur arm\u00e9nien Varks \u00e9tait le plus grand pr\u00eateur du groupe Finko au moment o\u00f9 sa licence a \u00e9t\u00e9 r\u00e9voqu\u00e9e en mars 2020. Bien qu\u2019il y ait d\u00e9j\u00e0 eu \u00e0 l\u2019\u00e9poque des probl\u00e8mes \u00e9vidents avec ce pr\u00eateur de la part de la banque centrale arm\u00e9nienne, Varks a continu\u00e9 d\u2019\u00eatre promu par Mintos \u00e0 travers diverses mesures, notamment des flux continus et des campagnes de cashback.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-22107 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks.png\" alt=\"Mintos-Avis-Varks\" width=\"896\" height=\"267\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks.png 896w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks-300x89.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks-768x229.png 768w\" data-sizes=\"(max-width: 896px) 100vw, 896px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 896px; --smush-placeholder-aspect-ratio: 896\/267;\" \/><\/a><\/p>\r\n<div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\">\r\n<div class=\"flex h-full flex-col overflow-y-auto\">\r\n<div class=\"flex flex-col text-sm md:pb-9\">\r\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-63\" data-scroll-anchor=\"true\">\r\n<div class=\"m-auto text-base py-[18px] px-6\">\r\n<div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\">\r\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\">\r\n<div class=\"flex-col gap-1 md:gap-3\">\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=\"1ce0be06-40f7-4a42-875d-63f3b9aa7615\" 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=\"538\" data-end=\"1109\" data-is-last-node=\"\">Dans le cas de Varks, Mintos \u00e9tait parfaitement conscient de la situation financi\u00e8re du pr\u00eateur et de ses probl\u00e8mes avec la banque centrale. Pourtant, aucune mesure n\u2019a \u00e9t\u00e9 prise ou initi\u00e9e pour prot\u00e9ger les fonds des investisseurs. Finalement, il a \u00e9t\u00e9 communiqu\u00e9 publiquement qu\u2019un plan de remboursement sur deux ans \u00e9tait en place, destin\u00e9 \u00e0 couvrir les obligations en cours d\u2019ici fin 2022. En juin 2024, environ 10 millions d\u2019EUR des fonds des investisseurs n\u2019avaient toujours pas \u00e9t\u00e9 rembours\u00e9s. Mintos pr\u00e9voit d\u00e9sormais une perte de 25 % \u00e0 50 %.<\/p>\r\n<hr \/>\r\n<h3 data-start=\"757\" data-end=\"791\">Analyse du Pr\u00eateur<\/h3>\r\n<p data-start=\"793\" data-end=\"1168\">En raison de la pand\u00e9mie de COVID-19 et de la guerre en Ukraine, Mintos a rencontr\u00e9 de nombreux probl\u00e8mes avec les pr\u00eateurs, dont beaucoup n\u2019ont ensuite pas pu honorer leurs obligations envers les investisseurs. \u00c0 certains moments, jusqu\u2019\u00e0 150 millions d\u2019EUR de fonds d\u2019investisseurs \u00e9taient en recouvrement, affectant environ 30 % du portefeuille de pr\u00eats total de Mintos.<\/p>\r\n<p data-start=\"1170\" data-end=\"1437\" data-is-last-node=\"\" data-is-only-node=\"\">Pour r\u00e9ussir un investissement sur Mintos, il est donc essentiel que les investisseurs examinent de mani\u00e8re ind\u00e9pendante 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.<\/p>\r\n<p data-start=\"1170\" data-end=\"1437\" data-is-last-node=\"\" data-is-only-node=\"\"><figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Pr\u00eateur<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Ann\u00e9e<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audit\u00e9<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>F. Propres<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidit\u00e9<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Pertes<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"esto ee\">ESTO (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/EF1C1716-31FA-1085-1326-596D55BE17A6.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"14426000\">EUR 14,4M<\/td><td class=\"stark\" data-sort=\"18.8\">18,8%<\/td><td class=\"stark\" data-sort=\"46.4\">46,4%<\/td><td class=\"stark\" data-sort=\"3.33\">3,33<\/td><td class=\"stabil\" data-sort=\"9.6\">9,6%<\/td><td class=\"stark\" data-sort=\"95\">95<\/td><\/tr><tr><td data-sort=\"eleving group lu\">Eleving Group (LU)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/P3ZX1EubsjG3PFCn\/2.%20Integrated%20Annual%20Report%202025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"29180953\">EUR 29,2M<\/td><td class=\"stark\" data-sort=\"5.5\">5,5%<\/td><td class=\"mittel\" data-sort=\"18.3\">18,3%<\/td><td class=\"stark\" data-sort=\"3.42\">3,42<\/td><td class=\"mittel\" data-sort=\"21.8\">21,8%<\/td><td class=\"stabil\" data-sort=\"80\">80<\/td><\/tr><tr><td data-sort=\"hipocredit lt\">Hipocredit (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/4DC8AAF4-0E0B-0F72-CD4D-74CE3E976C6B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"nexia\">Nexia<\/td><td class=\"stark\" data-sort=\"1117300\">EUR 1,1M<\/td><td class=\"stabil\" data-sort=\"4.2\">4,2%<\/td><td class=\"mittel\" data-sort=\"15.8\">15,8%<\/td><td class=\"stark\" data-sort=\"14.52\">14,52<\/td><td class=\"stark\" data-sort=\"0\">0,0%<\/td><td class=\"stabil\" data-sort=\"80\">80<\/td><\/tr><tr><td data-sort=\"gocredit mx\">Gocredit (MX)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/2FB07CF8-5A41-F73C-64B5-7E14E9C0D3A5.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stark\" data-sort=\"4422401\">EUR 4,4M<\/td><td class=\"stark\" data-sort=\"10.1\">10,1%<\/td><td class=\"stark\" data-sort=\"44.2\">44,2%<\/td><td class=\"stark\" data-sort=\"7.35\">7,35<\/td><td class=\"stabil\" data-sort=\"13.8\">13,8%<\/td><td class=\"stabil\" data-sort=\"79\">79<\/td><\/tr><tr><td data-sort=\"eleving am\">Eleving (AM)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/85F3901F-9567-BF3C-BBBF-9C11BBCCF2EE.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"2735835\">EUR 2,7M<\/td><td class=\"stark\" data-sort=\"13.3\">13,3%<\/td><td class=\"stark\" data-sort=\"59.2\">59,2%<\/td><td class=\"stabil\" data-sort=\"1.51\">1,51<\/td><td class=\"kritisch\" data-sort=\"30.3\">30,3%*<\/td><td class=\"stabil\" data-sort=\"78\">78<\/td><\/tr><tr><td data-sort=\"financiera mexi mx\">Financiera Mexi (MX)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/A26249B5-8AE2-3074-C3B6-00DC2CD2E13B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"1758280\">EUR 1,8M<\/td><td class=\"mittel\" data-sort=\"3\">3,0%<\/td><td class=\"stabil\" data-sort=\"35\">35,0%<\/td><td class=\"stark\" data-sort=\"2.66\">2,66<\/td><td class=\"stabil\" data-sort=\"11\">11,0%<\/td><td class=\"stabil\" data-sort=\"78\">78<\/td><\/tr><tr><td data-sort=\"placet group ee\">Placet Group (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/placetgroup.com\/files\/en\/2025\/placet-finance-FY2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"5567887\">EUR 5,6M<\/td><td class=\"stark\" data-sort=\"6.3\">6,3%<\/td><td class=\"stabil\" data-sort=\"38.4\">38,4%<\/td><td class=\"stark\" data-sort=\"4.76\">4,76<\/td><td class=\"mittel\" data-sort=\"20.3\">20,3%<\/td><td class=\"stabil\" data-sort=\"77\">77<\/td><\/tr><tr><td data-sort=\"iutecredit mk\">IuteCredit (MK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/EE3A5384-30B3-7387-76D0-1AFE6D7E1CCB.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"moore stephens\">Moore Stephens<\/td><td class=\"stark\" data-sort=\"3686569\">EUR 3,7M<\/td><td class=\"stark\" data-sort=\"7.4\">7,4%<\/td><td class=\"mittel\" data-sort=\"15.2\">15,2%<\/td><td class=\"stark\" data-sort=\"4.31\">4,31<\/td><td class=\"mittel\" data-sort=\"22.9\">22,9%<\/td><td class=\"stabil\" data-sort=\"76\">76<\/td><\/tr><tr><td data-sort=\"sun finance group lv\">Sun Finance Group (LV)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/nasdaqbaltic.com\/market\/upload\/reports\/sun\/2025_ar_en_con.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"58272000\">EUR 58,3M<\/td><td class=\"stark\" data-sort=\"20.7\">20,7%<\/td><td class=\"stabil\" data-sort=\"33\">33,0%<\/td><td class=\"stark\" data-sort=\"3.54\">3,54<\/td><td class=\"kritisch\" data-sort=\"40\">40,0%<\/td><td class=\"stabil\" data-sort=\"75\">75<\/td><\/tr><tr><td data-sort=\"finclusion ke\">Finclusion (KE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/9E778A95-BC39-F483-D38D-4FCB2029FBD9.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"pwc\">PwC<\/td><td class=\"stark\" data-sort=\"31274\">EUR 31K<\/td><td class=\"risiko\" data-sort=\"0.3\">0,3%<\/td><td class=\"stabil\" data-sort=\"29.2\">29,2%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"13.9\">13,9%<\/td><td class=\"stabil\" data-sort=\"74\">74<\/td><\/tr><tr><td data-sort=\"eleving bw\">Eleving (BW)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/7EDFBF78-65D7-A858-18CB-AEECDC4DC56B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"1314075\">EUR 1,3M<\/td><td class=\"stabil\" data-sort=\"4.6\">4,6%<\/td><td class=\"mittel\" data-sort=\"22.4\">22,4%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"14.9\">14,9%<\/td><td class=\"stabil\" data-sort=\"73\">73<\/td><\/tr><tr><td data-sort=\"eleving ge\">Eleving (GE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/97F5EB93-799B-A2A3-2A62-FE8D41255CE3.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=\"1657536\">EUR 1,7M<\/td><td class=\"stark\" data-sort=\"5.6\">5,6%<\/td><td class=\"stark\" data-sort=\"74.9\">74,9%<\/td><td class=\"stark\" data-sort=\"2.22\">2,22<\/td><td class=\"mittel\" data-sort=\"19.5\">19,5%<\/td><td class=\"stabil\" data-sort=\"72\">72<\/td><\/tr><tr><td data-sort=\"credifiel mx\">Credifiel (MX)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/399826FE-1922-E9ED-5267-F9DF2E7AE664.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"rsm\">RSM<\/td><td class=\"stark\" data-sort=\"4812210\">EUR 4,8M<\/td><td class=\"stabil\" data-sort=\"3.4\">3,4%<\/td><td class=\"stabil\" data-sort=\"35.7\">35,7%<\/td><td class=\"mittel\" data-sort=\"1.48\">1,48<\/td><td class=\"mittel\" data-sort=\"15.8\">15,8%<\/td><td class=\"stabil\" data-sort=\"71\">71<\/td><\/tr><tr><td data-sort=\"iutecredit al\">IuteCredit (AL)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/1B35FD83-7863-4BD4-97E1-2770AE109A24.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"rsm\">RSM<\/td><td class=\"stark\" data-sort=\"4360374\">EUR 4,4M<\/td><td class=\"stabil\" data-sort=\"4.5\">4,5%<\/td><td class=\"mittel\" data-sort=\"24.4\">24,4%<\/td><td class=\"stabil\" data-sort=\"1.76\">1,76<\/td><td class=\"risiko\" data-sort=\"30.8\">30,8%<\/td><td class=\"stabil\" data-sort=\"71\">71<\/td><\/tr><tr><td data-sort=\"mozipo group lt\">Mozipo Group (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/825F1863-7FBE-28CF-E136-FE7369B80F1F.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"grant thornton\">Grant Thornton<\/td><td class=\"stark\" data-sort=\"359000\">EUR 359K<\/td><td class=\"mittel\" data-sort=\"2\">2,0%<\/td><td class=\"stabil\" data-sort=\"29.6\">29,6%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"20.4\">20,4%*<\/td><td class=\"stabil\" data-sort=\"71\">71<\/td><\/tr><tr><td data-sort=\"eleving \/ mogo md\">Eleving \/ Mogo (MD)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/O3GBnB59y8KH1pPJ\/Mogo%20Loans%20SRL%20financial%20statements%202024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"1294209\">EUR 1,3M<\/td><td class=\"stark\" data-sort=\"6.9\">6,9%<\/td><td class=\"risiko\" data-sort=\"12.3\">12,3%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"14.4\">14,4%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"eleving \/ sebo md\">Eleving \/ Sebo (MD)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/33CF3969-D29A-4F42-F39D-73FD0DC4EF10.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"2551577\">EUR 2,6M<\/td><td class=\"stark\" data-sort=\"8.7\">8,7%<\/td><td class=\"stabil\" data-sort=\"31.2\">31,2%<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"31\">31,0%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"id finance es\">ID Finance (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/689741B5-C55F-4BDF-AEA5-F40D4E92E775.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"ey\">EY<\/td><td class=\"stark\" data-sort=\"20372000\">EUR 20,4M<\/td><td class=\"stark\" data-sort=\"15.4\">15,4%<\/td><td class=\"mittel\" data-sort=\"23.5\">23,5%<\/td><td class=\"stark\" data-sort=\"2.23\">2,23<\/td><td class=\"kritisch\" data-sort=\"59.6\">59,6%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"id finance gruppe es\">ID Finance Gruppe (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/idfinance.com\/static\/b2736a0718bf5325e9128916702f1509\/financial-statements-id-finance-spain-2025-audited-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"ey\">EY<\/td><td class=\"stark\" data-sort=\"11612000\">EUR 11,6M<\/td><td class=\"stark\" data-sort=\"5.2\">5,2%<\/td><td class=\"mittel\" data-sort=\"15.4\">15,4%<\/td><td class=\"stark\" data-sort=\"2.97\">2,97<\/td><td class=\"kritisch\" data-sort=\"59.1\">59,1%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"mozipo group ro\">Mozipo Group (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/782C4BC4-9FFA-E27F-97FF-D2BECDA8A27B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stark\" data-sort=\"60670\">EUR 61K<\/td><td class=\"mittel\" data-sort=\"1\">1,0%<\/td><td class=\"stabil\" data-sort=\"37.4\">37,4%<\/td><td class=\"stark\" data-sort=\"2.29\">2,29<\/td><td class=\"stabil\" data-sort=\"7.1\">7,1%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"cash credit bg\">Cash Credit (BG)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/FA1F5C5B-E082-34F8-120D-FCB7659EE293.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"einzelpr\u00fcfer\">Einzelpr\u00fcfer<\/td><td class=\"stark\" data-sort=\"265360\">EUR 265K<\/td><td class=\"stabil\" data-sort=\"4\">4,0%<\/td><td class=\"stark\" data-sort=\"55.4\">55,4%<\/td><td class=\"stabil\" data-sort=\"1.8\">1,80<\/td><td class=\"risiko\" data-sort=\"1.7\">1,7%<\/td><td class=\"mittel\" data-sort=\"69\">69<\/td><\/tr><tr><td data-sort=\"delfingroup lv\">DelfinGroup (LV)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/72BBEBBB-D280-0EC9-3795-5A77E736D3EE.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"9614824\">EUR 9,6M<\/td><td class=\"stark\" data-sort=\"6.6\">6,6%<\/td><td class=\"mittel\" data-sort=\"18.5\">18,5%<\/td><td class=\"kritisch\" data-sort=\"0.45\">0,45<\/td><td class=\"risiko\" data-sort=\"33.1\">33,1%<\/td><td class=\"mittel\" data-sort=\"67\">67<\/td><\/tr><tr><td data-sort=\"iute group ee\">Iute Group (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/iute.com\/wp-content\/uploads\/2026\/03\/Iute-Annual-Report-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"9938000\">EUR 9,9M<\/td><td class=\"mittel\" data-sort=\"2.1\">2,1%<\/td><td class=\"mittel\" data-sort=\"15.8\">15,8%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"24.5\">24,5%<\/td><td class=\"mittel\" data-sort=\"66\">66<\/td><\/tr><tr><td data-sort=\"iutecredit md\">IuteCredit (MD)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/FA3E6A36-F468-CBCF-A114-5E199CDC2328.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"baker tilly\">Baker Tilly<\/td><td class=\"stark\" data-sort=\"256241\">EUR 256K<\/td><td class=\"risiko\" data-sort=\"0.4\">0,4%<\/td><td class=\"stabil\" data-sort=\"25.4\">25,4%<\/td><td class=\"stark\" data-sort=\"2.04\">2,04<\/td><td class=\"risiko\" data-sort=\"25.4\">25,4%<\/td><td class=\"mittel\" data-sort=\"66\">66<\/td><\/tr><tr><td data-sort=\"eleving \/ as mogo lv\">Eleving \/ AS Mogo (LV)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/NItFFXJPN4InCCRn\/AS%20mogo%20financial%20statements%202024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"kritisch\" data-sort=\"-968560\">EUR (969K)<\/td><td class=\"kritisch\" data-sort=\"-2.6\">(2,6%)<\/td><td class=\"stark\" data-sort=\"72.4\">72,4%<\/td><td class=\"stark\" data-sort=\"2.29\">2,29<\/td><td class=\"kritisch\" data-sort=\"43.7\">43,7%<\/td><td class=\"mittel\" data-sort=\"64\">64<\/td><\/tr><tr><td data-sort=\"bb finance ee\">BB Finance (EE)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/5F5B168F-C713-35D4-B537-495F411FA4BB.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"1078881\">EUR 1,1M<\/td><td class=\"stabil\" data-sort=\"5\">5,0%<\/td><td class=\"mittel\" data-sort=\"18\">18,0%<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"25.8\">25,8%<\/td><td class=\"mittel\" data-sort=\"63\">63<\/td><\/tr><tr><td data-sort=\"restock tech group id\">Restock Tech Group (ID)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/2CB385EC-DC83-9CD0-DDC5-C05534E54A29.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=\"136627\">EUR 137K<\/td><td class=\"mittel\" data-sort=\"1.6\">1,6%<\/td><td class=\"mittel\" data-sort=\"17.5\">17,5%<\/td><td class=\"stark\" data-sort=\"6.72\">6,72<\/td><td class=\"stabil\" data-sort=\"8.6\">8,6%<\/td><td class=\"mittel\" data-sort=\"63\">63<\/td><\/tr><tr><td data-sort=\"eleving lt\">Eleving (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/5432A899-EAEC-4A88-391A-B12866666EF2.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=\"212867\">EUR 213K<\/td><td class=\"risiko\" data-sort=\"0.9\">0,9%<\/td><td class=\"mittel\" data-sort=\"16.3\">16,3%<\/td><td class=\"stark\" data-sort=\"2.46\">2,46<\/td><td class=\"stabil\" data-sort=\"5\">5,0%<\/td><td class=\"mittel\" data-sort=\"61\">61<\/td><\/tr><tr><td data-sort=\"pinjam yuk sg\">Pinjam Yuk (SG)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/639E5C61-64B2-7AD2-63D8-9E588E070741.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=\"1488596\">EUR 1,5M<\/td><td class=\"stark\" data-sort=\"5.2\">5,2%<\/td><td class=\"stark\" data-sort=\"42.8\">42,8%<\/td><td class=\"stabil\" data-sort=\"1.73\">1,73<\/td><td class=\"kritisch\" data-sort=\"79\">79,0%<\/td><td class=\"mittel\" data-sort=\"60\">60<\/td><\/tr><tr><td data-sort=\"eleving al\">Eleving (AL)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/C541E979-BEA2-A20A-7247-92B3CCFB4F3F.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=\"6002390\">EUR 6,0M<\/td><td class=\"stark\" data-sort=\"14.5\">14,5%<\/td><td class=\"stabil\" data-sort=\"30.2\">30,2%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"23.1\">23,1%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"eleving \/ finmak mk\">Eleving \/ FINMAK (MK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/E7D0B8BA-65E2-6F5D-46B3-D376F1F26F2F.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=\"4417920\">EUR 4,4M<\/td><td class=\"stark\" data-sort=\"17\">17,0%<\/td><td class=\"stark\" data-sort=\"53.6\">53,6%<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"30.4\">30,4%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"mk kredit ro\">MK Kredit (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/F825D959-1475-99F0-BF7F-B1D0918F56DF.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stark\" data-sort=\"1990482\">EUR 2,0M<\/td><td class=\"stabil\" data-sort=\"3.8\">3,8%<\/td><td class=\"mittel\" data-sort=\"19.4\">19,4%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"10.2\">10,2%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"watu credit ug\">Watu Credit (UG)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/246D5CD5-938D-156F-BD62-5350F09673CD.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"non audit\u00e9\">Non audit\u00e9<\/td><td class=\"stabil\" data-sort=\"8281962\">EUR 8,3M<\/td><td class=\"stark\" data-sort=\"9.1\">9,1%<\/td><td class=\"stabil\" data-sort=\"28.9\">28,9%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"18.7\">18,7%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"vivalia mx\">Vivalia (MX)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/111FAA5C-9937-2F0F-DD53-B3AF4BC14859.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=\"96970\">EUR 97K<\/td><td class=\"risiko\" data-sort=\"0.2\">0,2%<\/td><td class=\"stark\" data-sort=\"46.2\">46,2%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"15.6\">15,6%<\/td><td class=\"mittel\" data-sort=\"56\">56<\/td><\/tr><tr><td data-sort=\"evergreen finance gb\">Evergreen Finance (GB)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/FE521800-0AB1-D1CC-9EF3-9CAEAD02D3A8.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=\"1708575\">EUR 1,7M<\/td><td class=\"stark\" data-sort=\"5.2\">5,2%<\/td><td class=\"mittel\" data-sort=\"22.4\">22,4%<\/td><td class=\"stabil\" data-sort=\"1.59\">1,59<\/td><td class=\"risiko\" data-sort=\"33.6\">33,6%<\/td><td class=\"mittel\" data-sort=\"55\">55<\/td><\/tr><tr><td data-sort=\"credius ro\">Credius (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/6459A45B-C18E-0A57-18E0-D889ACF32E0F.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=\"1729701\">EUR 1,7M<\/td><td class=\"stark\" data-sort=\"7.6\">7,6%<\/td><td class=\"stark\" data-sort=\"40.7\">40,7%<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"35.6\">35,6%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"mogo kz\">Mogo (KZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/99A9AFE7-4D05-DFB6-E2A3-147B0151C5EB.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=\"8051115\">EUR 8,1M<\/td><td class=\"stark\" data-sort=\"7.2\">7,2%<\/td><td class=\"mittel\" data-sort=\"16.3\">16,3%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"18.4\">18,4%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"mk kredit md\">MK Kredit (MD)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/CC4BEE0E-B1EC-2165-F231-B7933D04B587.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=\"241166\">EUR 241K<\/td><td class=\"risiko\" data-sort=\"1\">1,0%<\/td><td class=\"stabil\" data-sort=\"32.7\">32,7%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"24.7\">24,7%<\/td><td class=\"risiko\" data-sort=\"51\">51<\/td><\/tr><tr><td data-sort=\"sun finance se\">Sun Finance (SE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/2324FA51-02E9-67C8-1434-E4CE111FA0D1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"einzelpr\u00fcfer\">Einzelpr\u00fcfer<\/td><td class=\"stark\" data-sort=\"2539668\">EUR 2,5M<\/td><td class=\"stark\" data-sort=\"9.2\">9,2%<\/td><td class=\"risiko\" data-sort=\"9.6\">9,6%<\/td><td class=\"mittel\" data-sort=\"1.11\">1,11<\/td><td class=\"kritisch\" data-sort=\"65.7\">65,7%<\/td><td class=\"risiko\" data-sort=\"49\">49<\/td><\/tr><tr><td data-sort=\"monefit ee\">Monefit (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/4B95034A-7205-0FCE-B105-BFB98652C07B.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=\"88000\">EUR 88K<\/td><td class=\"risiko\" data-sort=\"0.1\">0,1%<\/td><td class=\"risiko\" data-sort=\"10.2\">10,2%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"7.3\">7,3%<\/td><td class=\"risiko\" data-sort=\"46\">46<\/td><\/tr><tr><td data-sort=\"eleving ee\">Eleving (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/858725C0-F7F6-E4A5-F36F-8B9200E4308E.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=\"15597\">EUR 16K<\/td><td class=\"risiko\" data-sort=\"0\">0,0%<\/td><td class=\"risiko\" data-sort=\"7.6\">7,6%<\/td><td class=\"risiko\" data-sort=\"0.99\">0,99<\/td><td class=\"mittel\" data-sort=\"20.9\">20,9%<\/td><td class=\"risiko\" data-sort=\"45\">45<\/td><\/tr><tr><td data-sort=\"esto lt\">ESTO (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/47D06E1E-6B52-8406-C51E-B5E2221D7549.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"tezaurus (eingeschraenkt)\">Tezaurus (eingeschraenkt)<\/td><td class=\"kritisch\" data-sort=\"-863624\">EUR (864K)<\/td><td class=\"kritisch\" data-sort=\"-10.3\">(10,3%)<\/td><td class=\"kritisch\" data-sort=\"-34.9\">(34,9%)<\/td><td class=\"stark\" data-sort=\"2.23\">2,23<\/td><td class=\"mittel\" data-sort=\"18.7\">18,7%<\/td><td class=\"risiko\" data-sort=\"42\">42<\/td><\/tr><tr><td data-sort=\"creditstar fi\">Creditstar (FI)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/1FAE7A18-11D4-2B0C-26D1-44928BCDBDF1.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=\"96000\">EUR 96K<\/td><td class=\"risiko\" data-sort=\"0.1\">0,1%<\/td><td class=\"kritisch\" data-sort=\"2.9\">2,9%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"10.5\">10,5%<\/td><td class=\"risiko\" data-sort=\"41\">41<\/td><\/tr><tr><td data-sort=\"iutecredit bg\">IuteCredit (BG)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/0C7808C9-C7F7-3127-748A-80C69E6E2E27.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"aelb bulgaria\">AELB Bulgaria<\/td><td class=\"kritisch\" data-sort=\"-1160121\">EUR (1,2M)<\/td><td class=\"kritisch\" data-sort=\"-8.1\">(8,1%)<\/td><td class=\"risiko\" data-sort=\"8.3\">8,3%<\/td><td class=\"mittel\" data-sort=\"1.21\">1,21<\/td><td class=\"kritisch\" data-sort=\"57.8\">57,8%<\/td><td class=\"risiko\" data-sort=\"41\">41<\/td><\/tr><tr><td data-sort=\"hipocredit lv\">Hipocredit (LV)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/3F6C0DE6-4E9A-57DF-6C9F-280CAC5617BA.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=\"205630\">EUR 206K<\/td><td class=\"mittel\" data-sort=\"1.2\">1,2%<\/td><td class=\"risiko\" data-sort=\"14.6\">14,6%<\/td><td class=\"stark\" data-sort=\"8.12\">8,12<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"38\">38<\/td><\/tr><tr><td data-sort=\"eleving \/ mogo lt\">Eleving \/ mogo (LT)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/a5SaSxRZE6Qe7J93\/Mogo%20UAB%20financial%20statements%202024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"rosk\">ROSK<\/td><td class=\"risiko\" data-sort=\"-667348\">EUR (667K)<\/td><td class=\"kritisch\" data-sort=\"-2.6\">(2,6%)<\/td><td class=\"risiko\" data-sort=\"7.8\">7,8%<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"32\">32<\/td><\/tr><tr><td data-sort=\"idf eurasia kz\">IDF Eurasia (KZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/E2E13064-B794-5079-257B-CCEDB1969EA5.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=\"risiko\" data-sort=\"-19675690\">EUR (19,7M)<\/td><td class=\"kritisch\" data-sort=\"-8.5\">(8,5%)<\/td><td class=\"risiko\" data-sort=\"11\">11,0%<\/td><td class=\"risiko\" data-sort=\"0.8\">0,80<\/td><td class=\"kritisch\" data-sort=\"61.5\">61,5%<\/td><td class=\"kritisch\" data-sort=\"29\">29<\/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<\/div>\r\n<p data-start=\"1170\" data-end=\"1437\" data-is-last-node=\"\" data-is-only-node=\"\"><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. Une analyse d\u00e9taill\u00e9e des soci\u00e9t\u00e9s les plus solides est disponible dans l&#8217;aper\u00e7u des <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/preteurs-mintos\/\">meilleurs pr\u00eateurs de Mintos<\/a><\/strong>.\u00a0<\/span><\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/div>\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 Mintos.<\/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 2015<\/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>R\u00e9glementation:<\/strong> Agr\u00e9\u00e9e en tant que soci\u00e9t\u00e9 d&#8217;investissement europ\u00e9enne, r\u00e9glement\u00e9e selon MiFID II<\/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>Fonds des investisseurs:<\/strong> S\u00e9paration l\u00e9galement supervis\u00e9e des fonds des investisseurs et de l&#8217;entreprise<\/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>Transparence:<\/strong> Les \u00e9tats financiers audit\u00e9s sont publi\u00e9s de mani\u00e8re r\u00e9guli\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;\">\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>Classes d&#8217;actifs:<\/strong> Mintos offre une grande vari\u00e9t\u00e9 de diff\u00e9rentes classes d&#8217;actifs<\/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>Pertes:<\/strong> Les investisseurs ont d\u00e9j\u00e0 subi des pertes en capital sur la plateforme<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Rentabilit\u00e9:<\/strong> La plateforme n&#8217;op\u00e8re pas actuellement \u00e0 un niveau rentable<\/span>\n    <\/div>\r\n\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>Co\u00fbts:<\/strong> Commissions ou frais applicables 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;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Retenue \u00e0 la source:<\/strong> Des retenues \u00e0 la source sont appliqu\u00e9es aux investisseurs priv\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\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>Qualit\u00e9 du portefeuille:<\/strong> Taux de d\u00e9faut exceptionnellement \u00e9lev\u00e9 (&gt; 25%)<\/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>Due Diligence:<\/strong> Les p\u00e9riodes de crise ont r\u00e9v\u00e9l\u00e9 des faiblesses dans le domaine de la due diligence<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Resume_de_la_Revue_Mintos\"><\/span>R\u00e9sum\u00e9 de la Revue Mintos<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" class=\"alignleft wp-image-21792 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Mintos-Avis-R\u00e9sum\u00e9-Revue\" width=\"500\" height=\"629\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024-239x300.jpg 239w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024-815x1024.jpg 815w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024-768x965.jpg 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/629;\" \/><\/a><\/p>\r\n<p>Mintos est le leader du march\u00e9 dans l&#8217;environnement europ\u00e9en de pr\u00eat P2P. Ce statut a \u00e9t\u00e9 atteint gr\u00e2ce \u00e0 un mod\u00e8le commercial hautement \u00e9volutif avec des pr\u00eateurs externes connect\u00e9s.<\/p>\r\n<p>Avec une situation \u00e9conomique favorable derri\u00e8re eux, les investisseurs ont pu r\u00e9guli\u00e8rement obtenir des rendements \u00e0 deux chiffres. Cependant, les investisseurs ont d\u00fb payer le prix de cette croissance rapide en raison d&#8217;une combinaison de due diligence inad\u00e9quate et d&#8217;\u00e9v\u00e9nements macro\u00e9conomiques.<\/p>\r\n<p>En cons\u00e9quence, plus de 140 millions d&#8217;euros sont encore en cours de recouvrement en 2024. Mintos lui-m\u00eame s&#8217;attend d\u00e9j\u00e0 \u00e0 une perte d&#8217;au moins 64 millions d&#8217;euros.<\/p>\r\n<p>En raison de la performance g\u00e9n\u00e9rale du portefeuille de Mintos, qui montre qu&#8217;une approche diversifi\u00e9e \u00e0 travers plusieurs pr\u00eateurs ne fonctionne pas, investir dans des pr\u00eats P2P n&#8217;est recommand\u00e9 que pour les investisseurs exp\u00e9riment\u00e9s capables d&#8217;\u00e9valuer les entreprises de pr\u00eat individuelles.<\/p>\r\n<p>En dehors de cela, des classes d&#8217;actifs comme les obligations fractionn\u00e9es offrent une alternative beaucoup plus int\u00e9ressante pour les investisseurs sur Mintos.<\/p>\r\n\n    <style>\n      #rtp-bonusbox-6ae5c2d08db06 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5c2d08db06 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5c2d08db06 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5c2d08db06 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5c2d08db06 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5c2d08db06{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5c2d08db06:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5c2d08db06 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5c2d08db06 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5c2d08db06\" 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 decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Mintos.png\" alt=\"Mintos\" style=\"--smush-placeholder-width: 386px; --smush-placeholder-aspect-ratio: 386\/100;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\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:68%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3,4)<\/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 un bonus de 25 \u20ac s'ils investissent au moins 1 500 \u20ac dans les 30 jours suivant l'inscription et conservent ce montant jusqu'au 90e jour. Les investissements en Smart Cash ne sont pas pris en compte.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5c2d08db06\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-mintos\" 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 Mintos<\/h3>\r\n<p>Vous investissez d\u00e9j\u00e0 sur Mintos ? Ou vous recherchez des plateformes similaires ? Voici trois alternatives \u00e0 Mintos sur le march\u00e9 P2P.<\/p>\r\n<p><strong>Income Marketplace :<\/strong> Un marketplace P2P non r\u00e9gul\u00e9 dont le si\u00e8ge est en Estonie, qui se d\u00e9marque par des fonctionnalit\u00e9s de s\u00e9curit\u00e9 innovantes con\u00e7ues pour prot\u00e9ger les investisseurs contre les \u00e9metteurs de pr\u00eats sous-performants. Comme Mintos, Income Marketplace suit un mod\u00e8le de marketplace avec une large gamme d&#8217;\u00e9metteurs de pr\u00eats internationaux. Combinaison attractive de taux d&#8217;int\u00e9r\u00eat \u00e9lev\u00e9s et de haute liquidit\u00e9. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/\">avis Income Marketplace<\/a><\/strong>.<\/p>\r\n<p><strong>PeerBerry :<\/strong> Un marketplace P2P constitu\u00e9 en Croatie, travaillant \u00e9troitement avec des partenaires au sein du Groupe Aventus. Compar\u00e9 \u00e0 Mintos, PeerBerry est notablement plus cibl\u00e9 dans son approche et se distingue par une forte performance en p\u00e9riode de crise et une qualit\u00e9 de remboursement fiable. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/\">avis PeerBerry<\/a><\/strong>.<\/p>\r\n<p><strong>Afranga :<\/strong> Un marketplace P2P r\u00e9gul\u00e9 bas\u00e9 en Bulgarie, d\u00e9tenteur d&#8217;une licence ECSP. Compar\u00e9 \u00e0 Mintos, Afranga est notablement plus petit et plus cibl\u00e9 dans son approche, mais offre des taux d&#8217;int\u00e9r\u00eat comp\u00e9titifs et un historique de performance propre sans pertes en capital pour les investisseurs \u00e0 ce jour. Une bonne option pour les investisseurs souhaitant ajouter une plateforme de niche r\u00e9gul\u00e9e \u00e0 leur portefeuille. Plus d&#8217;informations dans mon <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/afranga-avis\/\">avis Afranga<\/a><\/strong>.<\/p>\r\n<p>Vous pouvez trouver d&#8217;autres alternatives \u00e0 Mintos 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_Mintos_Avis\"><\/span>FAQ Mintos 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-1774860018430\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Qu&#8217;est-ce que Mintos ?<\/strong>\r\n<p class=\"schema-faq-answer\">Mintos est le plus grand march\u00e9 P2P d&#8217;Europe, dont le si\u00e8ge est \u00e0 Riga (Lettonie), en activit\u00e9 depuis 2015. En plus des pr\u00eats P2P, les investisseurs peuvent investir dans des ETF, des obligations, de l&#8217;immobilier, un fonds mon\u00e9taire et dans des crypto-ETPs r\u00e9glement\u00e9s.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774860023300\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Mintos est-elle r\u00e9glement\u00e9e ?<\/strong>\r\n<p class=\"schema-faq-answer\">Oui. Mintos est r\u00e9glement\u00e9e par l&#8217;autorit\u00e9 financi\u00e8re lettone (FCMC) sous MiFID II depuis ao\u00fbt 2021. Les fonds des investisseurs sont prot\u00e9g\u00e9s jusqu&#8217;\u00e0 20 000 \u20ac par le syst\u00e8me letton d&#8217;indemnisation en cas d&#8217;insolvabilit\u00e9 de la plateforme.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774860024484\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Quel rendement puis-je attendre avec Mintos ?<\/strong>\r\n<p class=\"schema-faq-answer\">Selon Mintos, le rendement net sur les pr\u00eats P2P se situe entre 10% et 12%. Mon rendement personnel apr\u00e8s cinq ans est de 10,79%, mais tombe \u00e0 7,22% en int\u00e9grant plus de 1 000 \u20ac bloqu\u00e9s dans le processus de recouvrement, que j&#8217;ai d\u00e9clar\u00e9s comme perte apr\u00e8s deux ans sans remboursement. Les d\u00e9fauts d&#8217;originateurs peuvent donc peser lourdement sur le rendement r\u00e9el.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774860025068\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Quels sont les principaux risques sur Mintos ?<\/strong>\r\n<p class=\"schema-faq-answer\">Le risque principal r\u00e9side dans le d\u00e9faut des originateurs. Pendant la pand\u00e9mie et la guerre en Ukraine, jusqu&#8217;\u00e0 150 millions d&#8217;euros de fonds d&#8217;investisseurs \u00e9taient en cours de recouvrement. Il est donc essentiel de s\u00e9lectionner soigneusement les originateurs \u00e0 l&#8217;aide du Mintos Risk Score.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774860025789\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Existe-t-il un bonus pour s&#8217;inscrire sur Mintos ?<\/strong>\r\n<p class=\"schema-faq-answer\">Oui. Les nouveaux investisseurs s&#8217;inscrivant via mon lien d&#8217;affiliation et investissant au moins 1 500 \u20ac dans les 30 premiers jours re\u00e7oivent un bonus de bienvenue de 25 \u20ac.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36864,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-25755","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mintos Avis 2026 : \u00c7a vaut la peine d\u2019investir \u00e0 nouveau ? (Prenez ceci en compte !)<\/title>\n<meta name=\"description\" content=\"Mintos Avis 2026 : \u00c7a vaut la peine d\u2019investir \u00e0 nouveau ? (Prenez ceci en compte !) 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