{"id":36238,"date":"2026-07-03T06:00:00","date_gmt":"2026-07-03T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/?page_id=36238"},"modified":"2026-09-07T09:30:03","modified_gmt":"2026-09-07T07:30:03","slug":"risque-plateformes-p2p","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/fr\/risque-plateformes-p2p\/","title":{"rendered":"Risque des Plateformes P2P : Classement et M\u00e9thodologie"},"content":{"rendered":"<span class=\"rtp-aktualisiert\">Derni\u00e8re mise \u00e0 jour : 7 septembre 2026<\/span>\n<div style=\"background: #f2f8fb; border: 1px solid #b3d6e6; border-radius: 10px; padding: 1.3rem 1.5rem; margin: 1.75rem 0;\">\n<p style=\"margin: 0 0 .55rem; font-size: 1.15rem; line-height: 1.3; font-weight: bold; color: #1c1c1a;\">\u00c0 propos du re:think P2P Risk Score<\/p>\n<p style=\"margin: 0;\">Le re:think P2P Risk Score \u00e9value les plateformes europ\u00e9ennes de crowdlending sur une \u00e9chelle de 0 \u00e0 10 selon cinq cat\u00e9gories : r\u00e9gulation et licence, stabilit\u00e9 financi\u00e8re, transparence et divulgation, portefeuille de pr\u00eats et pertes des investisseurs, ainsi qu&#8217;historique et comportement en p\u00e9riode de crise. Il s&#8217;appuie sur des sources primaires v\u00e9rifiables publiquement. Les pr\u00eateurs derri\u00e8re les plateformes sont \u00e9valu\u00e9s s\u00e9par\u00e9ment dans le <a href=\"\/fr\/preteur\/\">comparatif des pr\u00eateurs P2P<\/a>.<\/p>\n<\/div>\n<p>Quel est le niveau de risque d&#8217;une plateforme P2P ? Il ne s&#8217;agit pas d&#8217;une question \u00e0 laquelle on peut r\u00e9pondre en une seule phrase. Il vaut n\u00e9anmoins la peine d&#8217;essayer de l&#8217;analyser de mani\u00e8re syst\u00e9matique. C&#8217;est pr\u00e9cis\u00e9ment ce que propose le re:think P2P Risk Score.<\/p>\n<p>La plupart des investisseurs savent d\u00e9j\u00e0 que les pr\u00eats P2P constituent une classe d&#8217;actifs \u00e0 haut risque. Aucun score ne peut changer cela, et aucun classement de plateformes P2P ne transforme un investissement sp\u00e9culatif en placement s\u00fbr. Ce qu&#8217;un score peut en revanche apporter, c&#8217;est rendre les risques des diff\u00e9rentes plateformes P2P comparables, afin que les investisseurs puissent prendre des d\u00e9cisions \u00e9clair\u00e9es plut\u00f4t que de se fier \u00e0 leur instinct, aux promesses marketing ou \u00e0 des recommandations peu transparentes.<\/p>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/fr\/risque-plateformes-p2p\/#Risque_des_Plateformes_P2P_tous_les_resultats_en_un_coup_doeil\" title=\"Risque des Plateformes P2P : tous les r\u00e9sultats en un coup d&#8217;\u0153il\">Risque des Plateformes P2P : tous les r\u00e9sultats en un coup d&#8217;\u0153il<\/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\/risque-plateformes-p2p\/#Comment_fonctionne_le_re_think_P2P_Risk_Score\" title=\"Comment fonctionne le re:think P2P Risk Score\">Comment fonctionne le re:think P2P Risk Score<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Risque_des_Plateformes_P2P_tous_les_resultats_en_un_coup_doeil\"><\/span><strong>Risque des Plateformes P2P : tous les r\u00e9sultats en un coup d&#8217;\u0153il<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Comme pour les syst\u00e8mes de notation pr\u00e9c\u00e9dents, il convient de garder \u00e0 l&#8217;esprit que d&#8217;autres crit\u00e8res et d&#8217;autres pond\u00e9rations pourraient conduire \u00e0 un r\u00e9sultat totalement diff\u00e9rent. Le P2P Risk Score doit donc \u00eatre consid\u00e9r\u00e9 avant tout comme un rep\u00e8re, et en aucun cas comme une base de d\u00e9cision d&#8217;investissement.<\/p>\n<div class=\"ss-table-wrap\">\n<table class=\"ss-table\">\n  <thead>\n    <tr>\n      <th class=\"ss-sortable\">#<\/th>\n      <th>Plateforme<\/th>\n      <th class=\"ss-sortable\">Reg.<\/th>\n      <th class=\"ss-sortable\">Fin.<\/th>\n      <th class=\"ss-sortable\">Tra.<\/th>\n      <th class=\"ss-sortable\">Cr\u00e9d.<\/th>\n      <th class=\"ss-sortable\">Track<\/th>\n      <th class=\"ss-sortable\">RF<\/th>\n      <th class=\"ss-sortable ss-desc\">Score<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td>1<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/inrento-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">InRento<\/a><\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>14<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">8.4<\/td>\n    <\/tr>\n    <tr>\n      <td>2<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/nectaro-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nectaro<\/a><\/td>\n      <td>15<\/td>\n      <td>14<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>11<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">8.0<\/td>\n    <\/tr>\n    <tr>\n      <td>3<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/crowdpear-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Crowdpear<\/a><\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>13<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">7.8<\/td>\n    <\/tr>\n    <tr>\n      <td>4<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/lande-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">LANDE<\/a><\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>15<\/td>\n      <td>17<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">7.7<\/td>\n    <\/tr>\n    <tr>\n      <td>5<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">PeerBerry<\/a><\/td>\n      <td>0<\/td>\n      <td>11<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>25<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-low\">7.6<\/td>\n    <\/tr>\n    <tr>\n      <td>6<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/twino-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">TWINO<\/a><\/td>\n      <td>15<\/td>\n      <td>18<\/td>\n      <td>5<\/td>\n      <td>17<\/td>\n      <td>10<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.5<\/td>\n    <\/tr>\n    <tr>\n      <td>6<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/profitus-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Profitus<\/a><\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>14<\/td>\n      <td>21<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.5<\/td>\n    <\/tr>\n    <tr>\n      <td>8<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/afranga-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Afranga<\/a><\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>25<\/td>\n      <td>14<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.4<\/td>\n    <\/tr>\n    <tr>\n      <td>8<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/lendermarket-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lendermarket<\/a><\/td>\n      <td>15<\/td>\n      <td>12<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>14<\/td>\n      <td>-12<\/td>\n      <td class=\"ss-td-mid\">6.4<\/td>\n    <\/tr>\n    <tr>\n      <td>10<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/digilo-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Digilo<\/a><\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>8<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.3<\/td>\n    <\/tr>\n    <tr>\n      <td>11<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/mintos-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mintos<\/a><\/td>\n      <td>15<\/td>\n      <td>16<\/td>\n      <td>15<\/td>\n      <td>3<\/td>\n      <td>13<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.2<\/td>\n    <\/tr>\n    <tr>\n      <td>11<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/neo-finance-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">NEO Finance<\/a><\/td>\n      <td>10<\/td>\n      <td>16<\/td>\n      <td>10<\/td>\n      <td>5<\/td>\n      <td>21<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.2<\/td>\n    <\/tr>\n    <tr>\n      <td>11<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Income Marketplace<\/a><\/td>\n      <td>0<\/td>\n      <td>8<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>19<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.2<\/td>\n    <\/tr>\n    <tr>\n      <td>14<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/debitum-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Debitum<\/a><\/td>\n      <td>15<\/td>\n      <td>18<\/td>\n      <td>15<\/td>\n      <td>20<\/td>\n      <td>11<\/td>\n      <td>-19<\/td>\n      <td class=\"ss-td-mid\">6.0<\/td>\n    <\/tr>\n    <tr>\n      <td>14<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/indemo-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Indemo<\/a><\/td>\n      <td>15<\/td>\n      <td>13<\/td>\n      <td>8<\/td>\n      <td>10<\/td>\n      <td>14<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">6.0<\/td>\n    <\/tr>\n    <tr>\n      <td>16<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/insoil-finance-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">InSoil Finance<\/a><\/td>\n      <td>15<\/td>\n      <td>11<\/td>\n      <td>15<\/td>\n      <td>8<\/td>\n      <td>15<\/td>\n      <td>-7<\/td>\n      <td class=\"ss-td-mid\">5.7<\/td>\n    <\/tr>\n    <tr>\n      <td>16<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/robocash-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Robocash<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>24<\/td>\n      <td>-7<\/td>\n      <td class=\"ss-td-mid\">5.7<\/td>\n    <\/tr>\n    <tr>\n      <td>18<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/modena-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Modena<\/a><\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>8<\/td>\n      <td>25<\/td>\n      <td>8<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.6<\/td>\n    <\/tr>\n    <tr>\n      <td>19<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/bondora-go-and-grow-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bondora<\/a><\/td>\n      <td>0<\/td>\n      <td>20<\/td>\n      <td>15<\/td>\n      <td>3<\/td>\n      <td>17<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.5<\/td>\n    <\/tr>\n    <tr>\n      <td>19<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/fintown-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Fintown<\/a><\/td>\n      <td>0<\/td>\n      <td>3<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>12<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.5<\/td>\n    <\/tr>\n    <tr>\n      <td>21<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/viainvest-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Viainvest<\/a><\/td>\n      <td>15<\/td>\n      <td>18<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>16<\/td>\n      <td>-5<\/td>\n      <td class=\"ss-td-mid\">5.4<\/td>\n    <\/tr>\n    <tr>\n      <td>22<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/lonvest-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lonvest<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>12<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">5.2<\/td>\n    <\/tr>\n    <tr>\n      <td>23<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/esketit-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Esketit<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>13<\/td>\n      <td>-5<\/td>\n      <td class=\"ss-td-mid\">4.8<\/td>\n    <\/tr>\n    <tr>\n      <td>23<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Monefit SmartSaver<\/a><\/td>\n      <td>0<\/td>\n      <td>20<\/td>\n      <td>3<\/td>\n      <td>10<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-mid\">4.8<\/td>\n    <\/tr>\n    <tr>\n      <td>25<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/loanch-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Loanch<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>25<\/td>\n      <td>9<\/td>\n      <td>-10<\/td>\n      <td class=\"ss-td-high\">3.9<\/td>\n    <\/tr>\n    <tr>\n      <td>26<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/estateguru-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">EstateGuru<\/a><\/td>\n      <td>15<\/td>\n      <td>12<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>13<\/td>\n      <td>-17<\/td>\n      <td class=\"ss-td-high\">3.8<\/td>\n    <\/tr>\n    <tr>\n      <td>27<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/maclear-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Maclear<\/a><\/td>\n      <td>5<\/td>\n      <td>0<\/td>\n      <td>8<\/td>\n      <td>10<\/td>\n      <td>17<\/td>\n      <td>-21<\/td>\n      <td class=\"ss-td-high\">1.9<\/td>\n    <\/tr>\n    <tr>\n      <td>28<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/crowdestor-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Crowdestor<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>15<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>-7<\/td>\n      <td class=\"ss-td-high\">1.8<\/td>\n    <\/tr>\n    <tr>\n      <td>29<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/bondster-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bondster<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>3<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>0<\/td>\n      <td class=\"ss-td-high\">1.3<\/td>\n    <\/tr>\n    <tr>\n      <td>30<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/hive5-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Hive5<\/a><\/td>\n      <td>0<\/td>\n      <td>14<\/td>\n      <td>8<\/td>\n      <td>10<\/td>\n      <td>14<\/td>\n      <td>-34<\/td>\n      <td class=\"ss-td-high\">1.2<\/td>\n    <\/tr>\n    <tr>\n      <td>31<\/td>\n      <td><a href=\"https:\/\/rethink-p2p.de\/fr\/7harvests-avis\/\" target=\"_blank\" rel=\"noopener noreferrer\">7Harvests<\/a><\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>0<\/td>\n      <td>10<\/td>\n      <td>8<\/td>\n      <td>-17<\/td>\n      <td class=\"ss-td-high\">0.1<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p>Il est frappant de constater qu&#8217;aucune plateforme ne s&#8217;approche m\u00eame du maximum th\u00e9orique de 10,0 points. Le score maximal de 8,4 points (InRento, T3\/2026) illustre bien l&#8217;exigence de cette notation.<\/p>\n<p>En outre, un score de 8,4 points dans ce contexte ne signifie pas \u00ab presque sans risque \u00bb, mais \u00ab l&#8217;option la moins risqu\u00e9e au sein d&#8217;une classe d&#8217;actifs \u00e0 haut risque \u00bb. Les pr\u00eats P2P sont souvent d\u00e9crits comme une classe d&#8217;actifs \u00e0 haut risque, sans preuve ni fondement empirique. Le Risk Score de re:think P2P refl\u00e8te cependant cette r\u00e9alit\u00e9 de mani\u00e8re d\u00e9montrable.<\/p>\n<p>Pourquoi les plateformes leaders sont si bien class\u00e9es et quels risques r\u00e9siduels subsistent : je l&#8217;explique pour chaque plateforme du top 5 dans le classement des <a href=\"https:\/\/rethink-p2p.de\/fr\/plateformes-crowdlending-les-plus-sures\/\">plateformes de crowdlending les plus s\u00fbres<\/a>.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Comment_fonctionne_le_re_think_P2P_Risk_Score\"><\/span><strong>Comment fonctionne le re:think P2P Risk Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le re:think P2P Risk Score \u00e9value les plateformes P2P sur une \u00e9chelle de 0,0 \u00e0 10,0, sur la base d&#8217;un maximum de 100 points r\u00e9partis en cinq cat\u00e9gories. Celles-ci sont :<\/p>\n<ul>\n<li><strong>Cat\u00e9gorie 1 :<\/strong> R\u00e9glementation et licence (15 points)<\/li>\n<li><strong>Cat\u00e9gorie 2 :<\/strong> Stabilit\u00e9 financi\u00e8re (20 points)<\/li>\n<li><strong>Cat\u00e9gorie 3 :<\/strong> Transparence et communication (15 points)<\/li>\n<li><strong>Cat\u00e9gorie 4 :<\/strong> Portefeuille de pr\u00eats et pertes des investisseurs (25 points)<\/li>\n<li><strong>Cat\u00e9gorie 5 :<\/strong> Historique et comportement en temps de crise (25 points)<\/li>\n<\/ul>\n<p>Dans le Risk Score, chaque plateforme d\u00e9marre \u00e0 0 point. Chaque point doit \u00eatre obtenu gr\u00e2ce \u00e0 des crit\u00e8res v\u00e9rifiables et accessibles publiquement. Le mod\u00e8le exclut volontairement des crit\u00e8res comme la facilit\u00e9 d&#8217;utilisation, la disponibilit\u00e9 d&#8217;une application ou le nombre de langues d&#8217;interface. Ces \u00e9l\u00e9ments influent sur l&#8217;exp\u00e9rience utilisateur, mais pas sur le risque de perdre de l&#8217;argent sur la plateforme.<\/p>\n<p>Outre les cinq cat\u00e9gories, des incidents individuels document\u00e9s (red flags) peuvent entra\u00eener des d\u00e9ductions de points. Chaque d\u00e9duction est justifi\u00e9e et sourc\u00e9e dans l&#8217;avis consacr\u00e9 \u00e0 la plateforme concern\u00e9e.<\/p>\n<p>Il est important de noter qu&#8217;il n&#8217;y a pas de double sanction. Chaque \u00e9v\u00e9nement n&#8217;est comptabilis\u00e9 qu&#8217;une seule fois : soit au sein d&#8217;une cat\u00e9gorie, soit en tant que red flag. Un m\u00eame fait n&#8217;entra\u00eene donc jamais plusieurs d\u00e9ductions. D&#8217;autres explications et exemples suivent ci-dessous.<\/p>\n<hr \/>\n<h3><strong>Cat\u00e9gorie 1 : R\u00e9glementation et licence (15 points)<\/strong><\/h3>\n<p>La r\u00e9glementation constitue le cadre de protection le plus fondamental pour les investisseurs. Une plateforme r\u00e9glement\u00e9e est soumise \u00e0 une surveillance \u00e9tatique, qui impose des normes minimales en mati\u00e8re de capitalisation, de conformit\u00e9 et de transparence. En cas de crise, les plateformes r\u00e9glement\u00e9es offrent un cadre juridique qui n&#8217;existe tout simplement pas chez les acteurs non r\u00e9glement\u00e9s.<\/p>\n<p>Le Score distingue cinq niveaux de r\u00e9glementation :<\/p>\n<div class=\"su-table su-table-responsive su-table-alternate\">\n<table>\n<thead>\n<tr>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">R\u00e9glementation<\/th>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Points<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">MiFID II (entreprise d&#8217;investissement)<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">15<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">ECSP (licence de crowdfunding europ\u00e9enne)<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">15<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">EMI (\u00e9tablissement de monnaie \u00e9lectronique)<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">10<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">SRO (autor\u00e9gulation)<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Non r\u00e9glement\u00e9e<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Les licences MiFID II et ECSP constituent le niveau le plus \u00e9lev\u00e9. Ces deux cadres imposent des exigences de conformit\u00e9 compl\u00e8tes. Les plateformes MiFID II offrent en outre un syst\u00e8me d&#8217;indemnisation des investisseurs (jusqu&#8217;\u00e0 20 000 euros en cas d&#8217;insolvabilit\u00e9 ou de d\u00e9tournement), tandis que les plateformes ECSP doivent respecter des exigences r\u00e9glementaires visant \u00e0 \u00e9viter les conflits d&#8217;int\u00e9r\u00eats entre l&#8217;exploitant de la plateforme et les projets de cr\u00e9dit. Ces deux licences offrant des m\u00e9canismes de protection diff\u00e9rents mais compl\u00e9mentaires, elles sont not\u00e9es de la m\u00eame mani\u00e8re dans le Score.<\/p>\n<p>Les \u00e9tablissements de monnaie \u00e9lectronique sont eux aussi soumis \u00e0 une surveillance, mais avec une orientation diff\u00e9rente : la r\u00e9glementation vise principalement les services de paiement, et non les produits d&#8217;investissement. Les plateformes non r\u00e9glement\u00e9es, en revanche, n&#8217;offrent aucun cadre de protection institutionnel. Cela ne signifie pas automatiquement qu&#8217;elles ne sont pas s\u00e9rieuses, mais le risque structurel doit objectivement \u00eatre consid\u00e9r\u00e9 comme plus \u00e9lev\u00e9.<\/p>\n<h3><strong>Cat\u00e9gorie 2 : Stabilit\u00e9 financi\u00e8re (20 points)<\/strong><\/h3>\n<p>Cette cat\u00e9gorie \u00e9value si une plateforme est \u00e9conomiquement viable et si des m\u00e9canismes de contr\u00f4le externes v\u00e9rifient ses donn\u00e9es financi\u00e8res.<\/p>\n<div class=\"su-table su-table-responsive su-table-alternate\">\n<table>\n<thead>\n<tr>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Crit\u00e8re<\/th>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Points<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Comptes annuels publi\u00e9s<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Audit\u00e9s par un commissaire aux comptes<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Auditeur : Big Four \/ cabinet interm\u00e9diaire \/ local \/ aucun<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">4 \/ 2 \/ 1 \/ 0<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Norme : IFRS \/ normes comptables locales \/ aucune<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">3 \/ 1 \/ 0<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Dernier exercice b\u00e9n\u00e9ficiaire<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">4<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Capitaux propres positifs<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Le maximum th\u00e9orique de 20 points n\u00e9cessite des comptes annuels publi\u00e9s, audit\u00e9s par un cabinet Big Four selon les normes IFRS, avec un r\u00e9sultat positif et des capitaux propres positifs. Seule <a href=\"https:\/\/rethink-p2p.de\/fr\/bondora-go-and-grow-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora<\/strong><\/a> a r\u00e9ussi \u00e0 remplir toutes les conditions pour obtenir le score maximal.<\/p>\n<p>Sans comptes annuels publi\u00e9s, une plateforme ne peut obtenir aucun point dans cette cat\u00e9gorie, car aucun des six crit\u00e8res ne peut \u00eatre v\u00e9rifi\u00e9 sans rapport financier. Parmi les plateformes P2P r\u00e9glement\u00e9es, <a href=\"https:\/\/rethink-p2p.de\/fr\/afranga-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Afranga<\/strong><\/a> et <a href=\"https:\/\/rethink-p2p.de\/fr\/profitus-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Profitus<\/strong><\/a> sont toutes deux concern\u00e9es.<\/p>\n<p>Par courtoisie, les chiffres financiers 2024 sont encore accept\u00e9s dans le classement actuel.<\/p>\n<h3><strong>Cat\u00e9gorie 3 : Transparence et communication (15 points)<\/strong><\/h3>\n<p>Le Risk Score ne prend en compte que les informations accessibles publiquement de mani\u00e8re permanente. <span style=\"font-size: 1.125rem;\">Les donn\u00e9es partag\u00e9es exclusivement par newsletter, sur demande ou dans des groupes ferm\u00e9s ne comptent pas. L&#8217;objectif est de ne r\u00e9compenser que les plateformes P2P qui offrent une transparence \u00e0 l&#8217;ensemble des investisseurs. <\/span><\/p>\n<p><span style=\"font-size: 1.125rem;\"><div class=\"su-table su-table-responsive su-table-alternate\"><\/span><\/p>\n<table>\n<thead>\n<tr>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Crit\u00e8re<\/th>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Points<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Page de statistiques disponible<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">AUM \/ portefeuille en cours publi\u00e9<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Donn\u00e9es de performance du portefeuille de pr\u00eats (\u00e0 jour \/ en retard \/ en d\u00e9faut)<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">7<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Les donn\u00e9es de performance du portefeuille p\u00e8sent le plus lourd, avec 7 points, car elles constituent la base de la Cat\u00e9gorie 4. Une plateforme qui ne publie pas de donn\u00e9es de performance perd ici 7 points pour manque de transparence, et obtient en plus 0 point en Cat\u00e9gorie 4 pour la performance r\u00e9elle du portefeuille.<\/p>\n<p>Il ne s&#8217;agit pas d&#8217;une double sanction, car ce sont les r\u00e9ponses \u00e0 deux questions diff\u00e9rentes. Premi\u00e8rement : des donn\u00e9es sont-elles publi\u00e9es ? Deuxi\u00e8mement : que montrent ces donn\u00e9es ?<\/p>\n<p>Point positif : plus de la moiti\u00e9 des plateformes \u00e9valu\u00e9es ont obtenu le score maximal ici, dont <a href=\"https:\/\/rethink-p2p.de\/fr\/mintos-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos<\/strong><\/a>, <a href=\"https:\/\/rethink-p2p.de\/fr\/lande-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>LANDE<\/strong><\/a> et <a href=\"https:\/\/rethink-p2p.de\/fr\/income-marketplace-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace<\/strong><\/a>.<\/p>\n<h3><strong>Cat\u00e9gorie 4 : Portefeuille de pr\u00eats et pertes des investisseurs (25 points)<\/strong><\/h3>\n<p>Cette cat\u00e9gorie \u00e9value la performance op\u00e9rationnelle \u00e0 deux niveaux.<\/p>\n<ul>\n<li>Quelle est la performance actuelle du portefeuille de pr\u00eats en cours ?<\/li>\n<li>Des pertes en capital pour les investisseurs ont-elles d\u00e9j\u00e0 \u00e9t\u00e9 constat\u00e9es par le pass\u00e9 ?<\/li>\n<\/ul>\n<div class=\"su-table su-table-responsive su-table-alternate\">\n<table>\n<thead>\n<tr>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Crit\u00e8re<\/th>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Points<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Performance du portefeuille : &gt;95 % \/ 90-95 % \/ 85-90 % \/ 80-85 % \/ 70-80 %<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">15 \/ 12 \/ 9 \/ 6 \/ 3<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Performance du portefeuille : &lt;70 % ou non communiqu\u00e9e<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">0<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Aucune perte en capital document\u00e9e<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">10<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Pr\u00eats en recouvrement, aucune perte r\u00e9alis\u00e9e<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Pertes en capital document\u00e9es<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Sur la m\u00e9thodologie : pour les plateformes P2P avec garantie de rachat (buyback), un pr\u00eat avec jusqu&#8217;\u00e0 60 jours de retard est consid\u00e9r\u00e9 comme \u00e0 jour, le m\u00e9canisme de rachat s&#8217;activant g\u00e9n\u00e9ralement \u00e0 60 jours. Pour les plateformes avec s\u00fbret\u00e9 r\u00e9elle (immobilier, terres agricoles, etc.), un seuil de 90 jours s&#8217;applique, la r\u00e9alisation des s\u00fbret\u00e9s n\u00e9cessitant structurellement davantage de temps.<\/p>\n<p>Sept plateformes P2P ont obtenu le score maximal gr\u00e2ce \u00e0 une solide performance de portefeuille et \u00e0 l&#8217;absence de pertes en capital \u00e0 ce jour, dont <a href=\"https:\/\/rethink-p2p.de\/fr\/nectaro-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Nectaro<\/strong><\/a>, <a href=\"https:\/\/rethink-p2p.de\/fr\/fintown-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Fintown<\/strong><\/a> et <a href=\"https:\/\/rethink-p2p.de\/fr\/esketit-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Esketit<\/strong><\/a>.<\/p>\n<p>Dans de nombreux cas, les pr\u00eateurs d&#8217;une plateforme P2P sont le facteur d\u00e9cisif pour la qualit\u00e9 de son portefeuille de pr\u00eats. J&#8217;ai analys\u00e9 s\u00e9par\u00e9ment sur mon blog la stabilit\u00e9 financi\u00e8re de plus de 100 pr\u00eateurs : <strong><a href=\"https:\/\/rethink-p2p.de\/fr\/preteur\/\">Pr\u00eateurs P2P : aper\u00e7u et comparatif<\/a><\/strong>.<\/p>\n<h3><strong>Cat\u00e9gorie 5 : Historique et comportement en temps de crise (25 points)<\/strong><\/h3>\n<p>La derni\u00e8re cat\u00e9gorie \u00e9value depuis combien de temps une plateforme est active, combien d&#8217;investisseurs lui font confiance, et comment elle s&#8217;est comport\u00e9e en situation de crise.<\/p>\n<div class=\"su-table su-table-responsive su-table-alternate\">\n<table>\n<thead>\n<tr>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Crit\u00e8re<\/th>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Points<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Activit\u00e9 op\u00e9rationnelle : &gt;7 ans \/ &gt;5 ans \/ &gt;3 ans \/ &gt;2 ans \/ &lt;2 ans<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">8 \/ 6 \/ 4 \/ 2 \/ 0<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Investisseurs : &gt;50 000 \/ &gt;40 000 \/ &gt;30 000 \/ &gt;20 000 \/ &gt;10 000<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">5 \/ 4 \/ 3 \/ 2 \/ 1<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Investisseurs : &lt;10 000 ou non communiqu\u00e9<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">0<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Comportement en crise : gestion exemplaire<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">12<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Comportement en crise : aucune crise connue (non prouv\u00e9)<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">8<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Comportement en crise : alt\u00e9ration partielle<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">4<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Comportement en crise : alt\u00e9ration grave<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Le comportement en crise est, avec jusqu&#8217;\u00e0 12 points, le crit\u00e8re individuel le plus lourdement pond\u00e9r\u00e9. Les plateformes sans crise document\u00e9e re\u00e7oivent 8 points au titre du statut \u00ab non prouv\u00e9 \u00bb. Cela \u00e9vite que de jeunes plateformes P2P, sans historique de crise, n&#8217;obtiennent le m\u00eame score que des plateformes ayant r\u00e9ellement fait leurs preuves face \u00e0 une crise. Dans le m\u00eame temps, les plateformes plus jeunes ne doivent pas \u00eatre automatiquement p\u00e9nalis\u00e9es simplement parce qu&#8217;elles n&#8217;ont pas encore travers\u00e9 de crise.<\/p>\n<p>Parmi toutes les plateformes, seule <a href=\"https:\/\/rethink-p2p.de\/fr\/peerberry-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>PeerBerry<\/strong><\/a> parvient \u00e0 obtenir le score maximal. Ce marketplace P2P bas\u00e9 en Croatie dispose \u00e0 la fois de l&#8217;historique et de la base d&#8217;investisseurs requis, ainsi que d&#8217;une gestion de crise remarquable, particuli\u00e8rement illustr\u00e9e par la r\u00e9cup\u00e9ration de plus de 50 millions d&#8217;euros de pr\u00eats affect\u00e9s par la guerre lors du conflit en Ukraine.<\/p>\n<h3><strong>Red flags<\/strong><\/h3>\n<p>Outre les cinq cat\u00e9gories, des incidents individuels document\u00e9s peuvent entra\u00eener des d\u00e9ductions de points. Chaque d\u00e9duction est justifi\u00e9e et sourc\u00e9e dans l&#8217;avis consacr\u00e9 \u00e0 la plateforme concern\u00e9e. <div class=\"su-table su-table-responsive su-table-alternate\">\n<table>\n<thead>\n<tr>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Cluster<\/th>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">D\u00e9duction<\/th>\n<th style=\"font-size: 16px !important;font-weight: 700 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">A : D\u00e9faillances de gouvernance<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">-10<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Participation \u00e0 des plateformes en faillite, intimidation de journalistes critiques, d\u00e9tournement de fonds d&#8217;investisseurs<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">B : Tromperie et manque de transparence<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">-7<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Fausses d\u00e9clarations sur des indicateurs financiers, pr\u00e9sentation trompeuse de la performance, avis achet\u00e9s, activit\u00e9 de bots, dissimulation active<\/td>\n<\/tr>\n<tr>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">C : Modifications contractuelles unilat\u00e9rales<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">-5<\/td>\n<td style=\"font-size: 16px !important;font-weight: 400 !important;padding: 12px 15px !important;line-height: 1.4 !important;height: auto !important;text-align: left !important\">Modifications unilat\u00e9rales document\u00e9es au d\u00e9triment des investisseurs. Une simple clause contractuelle non appliqu\u00e9e ne compte pas<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Les conflits d&#8217;int\u00e9r\u00eats li\u00e9s \u00e0 des actionnaires communs entre la plateforme et l&#8217;originateur du cr\u00e9dit ne sont pas sanctionn\u00e9s de mani\u00e8re syst\u00e9matique. Une d\u00e9duction ne s&#8217;applique que si le lien a \u00e9t\u00e9 activement dissimul\u00e9 ou s&#8217;il a d\u00e9montrablement entra\u00een\u00e9 des pertes pour les investisseurs.<\/p>\n<p><strong>Hive5<\/strong> est la plateforme la plus touch\u00e9e, avec 34 points de p\u00e9nalit\u00e9, suivie de <a href=\"https:\/\/rethink-p2p.de\/fr\/debitum-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Debitum<\/strong><\/a> avec 19 points et <a href=\"https:\/\/rethink-p2p.de\/fr\/estateguru-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>EstateGuru<\/strong><\/a> avec 17 points d\u00e9duits.<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risque des Plateformes P2P : Classement et M\u00e9thodologie<\/title>\n<meta name=\"description\" content=\"Comment \u00e9valuer le risque des plateformes P2P ? 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