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Default & recovery data · 2026

European P2P default & recovery barometer

Default and recovery disclosure is the least standardised metric in P2P lending. Below is what each of the 19 tracked platforms actually publishes - and, just as telling, what it does not. Figures come from our own reviews.

10 / 19
publish a recovery or overdue figure
9
disclose no default data at all
60.2%
highest recovery load, live platform (EstateGuru)
100%
Reinvest24: whole book in recovery, wind-down

Platforms that disclose a recovery / overdue figure

PlatformRecovery / overdue Capital loss / defaultDisclosure
Reinvest24Frozen
100%
not disclosed None
EstateGuruWarning
60.2%
not disclosed Open
InSoil
18.5-24.1%
not disclosed Partial
Mintos
18.7%
not disclosed Open
Capitalia
12.9%
1.18% Open
Profitus
2.59%
€0 Open
Crowdpear
2.2%
0% Open
InRento
0%
0% Open
PeerBerry
0%
0% Open
Robocash
0%
not disclosed Partial

Platforms that publish no default or recovery data

PlatformCapital loss / default DisclosureFlag
Maclear 0.15% Open -
Nectaro 0% Partial -
Indemo 0% Partial -
Lendermarket not disclosed None Warning
Twino not disclosed Partial -
Debitum 0%* None Warning
Hive5 not disclosed None -
Scramble not disclosed None -
Loanch not disclosed None -

Source: CrowdIndex platform reviews (19 platforms, 2026) + ESMA. "Not disclosed" means the platform publishes no such figure. Reviewed quarterly. Capital at risk.