Independent · numbers-first · since 2017

Investing in European P2P and ETFs, accounted for in the open.

Every month I publish exactly where my money sits, what it returned, and what worried me — plus the loan-originator credit work most platforms would rather you skip. No bonus widgets, no hype.

I invest my own capital No paid placements in reviews Methodology published

Read this month's update Compare every platform →

Portfolio snapshot — May 2026

Profit since 1 Jan

EUR 2,880

+6.5% YTD

Weighted P2P return

8.9% p.a.

net XIRR, YTD

ETF return, YTD

+12.6%

Meesman global equity

Total portfolio

EUR 48.7k

across 4 positions

Figures from my own platform exports. How these numbers are calculated →

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2026 · 06 · 05

Platform review

PeerBerry review: the consumer-loan platform that quietly became a property lender

PeerBerry is one of the smoothest, most reliable platforms I use, with a genuinely impressive crisis record. But dig into its own statistics and the marketplace story falls apart: the book is now ~60% real estate, one Lithuanian developer is ~29% of it, and close to half the loans aren't even covered by the group guarantee. Here's the honest version, with a full originator breakdown.

12 min

2026 · 06 · 01

Monthly update

May 2026: income hits a year-to-date high, led by Mintos

May brought EUR 281 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved +7.0% on the month. Figures reconstructed from my own platform exports and current balances.

5 min

2026 · 05 · 01

Monthly update

April 2026: a steady month before the May pickup

April brought EUR 236 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved +0.8% on the month. Figures reconstructed from my own platform exports and current balances.

5 min

2026 · 04 · 01

Monthly update

March 2026: the quiet month, income dips to EUR 201

March brought EUR 201 in net P2P interest. PeerBerry did the heavy lifting; the Meesman ETF fund price moved -0.7% on the month. Figures reconstructed from my own platform exports and current balances.

5 min

2026 · 03 · 01

Monthly update

February 2026: a Mintos coupon spike lifts income 19%

February brought EUR 275 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved -0.7% on the month. Figures reconstructed from my own platform exports and current balances.

5 min

2026 · 02 · 01

Monthly update

January 2026: opening the year at EUR 231 in P2P interest

January brought EUR 231 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved +2.5% on the month. Figures reconstructed from my own platform exports and current balances.

5 min

Start here

The foundations

How I calculate returns

XIRR, what counts as realized, how I treat pending interest and recoveries. Read this before trusting any number on the site.

Read methodology 02

How I evaluate a platform

The licensing, custody and originator checks every platform goes through before it earns a place in the portfolio.

See the framework 03

Compare every platform

My realized return, regulation status and the single risk I'd flag — side by side, sortable, no affiliate ranking.

Open the comparison

Why you can trust the numbers

9 yrs

Investing across cycles. Real money in European P2P and ETFs since 2017 — through defaults, a pandemic and a rate hiking cycle.

0 paid

Paid to rank a platform. Reviews use affiliate links, clearly marked, but no platform pays for placement or a better score.

100%

Own capital, every figure. Every return shown is from my own portfolio. If I haven't invested in it, I won't pretend to.