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PeerBerry is a P2P lending platform. It started to become famous in the P2P world so I tried it and made few investments. So far I'm satisfied of this platform and plan to interview the founders soon. Here is my review of the platform after my first few investments. In French, of course ;-)
The investor holds a simple fixed-rate loan. It is a classic debt instrument for peer-to-peer personal loans (P2P). They pay interest fixed at issuance according to a predefined periodicity until maturity.
This review is proposed by Damien Cuyala on
Peerberry est une place de marché en ligne qui met en relation des investisseurs avec des sociétés de prêt.
Il s'agit donc d'une plateforme de financement participatif
Cette plateforme a été fondée en 2017 par les besoins de la société Aventus Group qui est une société de crédit. Aventus group compte 850 employés qui sont répartie dans plusieurs pays de l’est.
Depuis, la plateforme à diversifié son portefeuille de maison de crédits avec un total de 17 sociétés et a été revendu à 3 actionnaires.
Sur PeerBerry, nous avons 27 sociétés de prêt, dont 17 qui sont affiliées à Aventus Group et 5 à Gofingo.
Le siège de la plateforme est situé à Riga en Lettonie.
Les sociétés de prêt se nomment les "loan originators" (LO). Ce sont des entreprises qui prêtent des fonds à des emprunteurs, eux-mêmes particuliers ou bien des entreprises.
PeerBerry agit comme un agrégateur de prêts.
Cette plateforme n'est pas régulée.
Investissement minimum par prêt : 10 euros
Retrait rapide en 24/48h.
Il y a 2473626725€ de montant total investi sur cette plateforme
retard de plus de 6 mois : 14 sociétés en retard suite à la guerre, taux de retard de 10
Montant de projets en perte de définitive : Pas de défaut.
Chiffres clés : Bénéfice de 663 455 EUR de la plateforme Peerberry, pas d'informations sur les sociétés de crédits.
Evolution du nombre de prêts totaux mensuels de la plateforme (image en histogramme) : 106M€ sur le mois de mars
rendement moyen : 11,18%
Total des intérêts payés : 30M€ au mois de mars 2024.
Montant total investi : 106,7M€ au mois de mars 2024 contre 106,3M€ au mois de février.
Montants investis par les investisseurs mensuellement : 32M€ au mois de mars contre 62M€ au mois de février.
Pour le moment je n'ai pas d'investissement sur cette plateforme.
Pour profiter du bonus lors de votre inscription sur la plateforme, cliquez-ici ou rendez-vous sur le site 👆 :
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The average expected yield of projects is 10%
Yields are calculated based on the projects analyzed on this site and not on all projects.
⚠️ The higher the yield, the higher the risk.
⚠️ Information about delays of more than 6 months is not available for Peerberry
⚠️ Information on permanent losses is not available for Peerberry
The minimum amount to invest is 10€.
Peerberry has a very low minimum amount to invest
🌎 The financial income are taxable in the investor's country of tax residence.
In France, since January 1, 2018, income from movable capital as well as capital gains from securities sales are subject, when taxed, to a flat-rate withholding tax (PFU) of 12.8%, to which social security contributions of 17.2% are added, making a total rate of 30%.
However, you can choose, when declaring your income, for a global taxation of these income and gains at the progressive income tax rate by checking box 2OP. You may be exempted from the portion corresponding to the flat-rate withholding tax of 12.8% for income tax purposes if your reference fiscal income for year N-2 was less than €25,000 (€50,000 if you are married). When making your declaration, you have the option to maintain the choice for taxation at 30%, or to submit your capital gains to the progressive income tax rate (to which 17.2% social security contributions will be added).
➡️ Search for previous reviews of chez Peerberry
A real estate crowdfunding operation involves several categories of risks:
➡️ Operational Risk: human errors, incompetence, material shortages, delivery delays, poor management, accidents on site, provider bankruptcy...
➡️ Technical Risk: unpleasant surprises during soil and foundation studies, pollution, thermal, acoustic issues...;
➡️ Administrative and Legal Risk: difficulties in obtaining a fully cleared building or development permit, administrative authorizations, Financial Completion Guarantees, Construction Insurance, or All-Risks Site insurance, compliance of sales documents, poorly assessed urban planning authorizations;
➡️ Financial Risk: poor cost analysis, budget overruns, lower profit margins, obtaining bank credit, etc.;
➡️ Commercial Risk: insufficient pre-marketing, insufficient local market study (prices, needs, location...), delays in lot sales (commercialization), neglected suspensive conditions, unfavorable market evolution, risky sales strategy, overly optimistic exit prices, etc.
Beyond the analysis of the real estate project itself, crowdfunding platforms examine the financial and operational strength of the companies participating in the operation, which also face potential risks, mainly financial.
The evaluation thus focuses on numerous criteria, including:
➡️ Legal and Financial: capital structure, ongoing disputes, income statements and financial statements, solvency, profitability, liquidity, level of equity, etc.
➡️ Operational: organizational chart, experience of the executives, history of successfully completed operations, quality of previous programs, reputation, etc.
➡️ Financial Statements: financial statements (balance sheet and income statement) of the operator must be analyzed to determine its financial health.
➡️ Fraud: The operator may file for bankruptcy fraudulently or abscond with funds, which is why guarantees on cash flows are necessary.
Even with good preparation, it is impossible to anticipate climatic events (flooding, frost, storms...), macroeconomic factors such as sudden changes in property prices or interest rates, high inflation, etc., or legislative changes (regulatory modifications, taxation changes...), or situations of war. These risks are difficult to control. It is essential that operators have taken out the necessary insurance and that sufficient financial margin is planned to cope with potential contingencies.
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