- P2P interest: EUR 230.70 for January, the first report of the year.
- Mintos led with 37.8% of the month's interest.
- Meesman ETF fund price moved +2.51% over the month.
01Income & performance
January produced EUR 230.70 in net P2P interest after tax. This is the first monthly report of 2026, so there’s no prior month to compare against yet.
| Platform | Interest | Share | Return on position |
|---|---|---|---|
| Mintos | EUR 87.26 | 37.8% | 0.58% |
| PeerBerry | EUR 82.85 | 35.9% | 0.77% |
| Nectaro | EUR 60.59 | 26.3% | 1.01% |
| Total | EUR 230.70 | 100% |
The "return on position" column is that month's interest over the position's value at the start of the month -- a monthly rate, not annualized. Income figures are net interest received after withholding tax, straight from each platform's export.
02Transactions
- PeerBerry: -EUR 700 withdrawn.
- Nectaro: -EUR 200 withdrawn.
03Portfolio development
Allocation across the four positions at the end of January in euros and percent:
- Mintos P2PEUR 15,208 · 34.2%
- PeerBerry P2PEUR 10,086 · 22.7%
- Nectaro P2PEUR 5,864 · 13.2%
- Meesman ETF Global equitiesEUR 13,369 · 30.0%
04Platform notes
Mintos -- bond coupons are lumpy, so its monthly interest swings; January came in at EUR 87.26 (a 0.58% return on the position for the month).
PeerBerry -- steady as ever at EUR 82.85, about 0.77% on the position. It just keeps paying.
Nectaro -- EUR 60.59 this month. I trimmed it earlier in the year, so the income dipped with the smaller balance; I'm letting it grow back toward EUR 5k.
Compare the platforms I actually use
Regulation status, my realized return and the single risk I'd flag for each -- sortable, no affiliate ranking.
05Market & news
The structural change I actually care about this month: Nectaro switched on a working secondary market (zero fees, six-month minimum hold) -- the liquidity piece it had been missing. For a MiFID II-regulated platform, that's the difference between "locked in" and "can exit if I need to." Quietly one of the more useful upgrades in my portfolio this year. (background)
06What I'm watching
- Nectaro's income recovering as I let the position build back toward EUR 5k.
- Mintos secondary-market costs eating into an otherwise solid interest month.
- Keeping cash drag low while staying picky about new notes.