Nectaro
Latvia · Consumer · Founded 2023
Our score
Average return
14.0%
advertised maximum
Regulation: Investment firm licence 27-55/2023/3 (Latvijas Banka, 29 Mar 2023)
Partner link — we may earn a commission at no cost to you. It does not affect the score above.
Our verdict
Nectaro has a stronger legal base than its age suggests: SIA Nectaro holds investment firm licence No. 27-55/2023/3 from Latvijas Banka, issued 29 March 2023, its Notes are issued under prospectuses approved by Latvijas Banka, its 2025 accounts were audited by BDO Assurance, and the Latvian compensation scheme covers 90% of losses up to €20,000 if Nectaro itself fails — not loan defaults. The credit risk underneath is narrow: every lending company belongs to the privately held Dyninno group, about two-thirds of the book is loans to group companies via Abele Finance, and the 60-day buyback and the parent guarantee come from the same group. The platform, launched in October 2023, lost €1.43 million in 2025 and relies on capital from its parent. Buying here is one bet on one private group.
Read our full Nectaro reviewRegulation, returns, fees, risks and our verdict — in depth.What works
- Investment firm licence No. 27-55/2023/3 from Latvijas Banka since 29 March 2023, with segregation and capital rules
- Notes issued under base prospectuses approved by Latvijas Banka, with a key information document that explains the risks plainly
- 2025 accounts audited by BDO Assurance with an unqualified opinion
- No investor fees on the published price list, and EU/EEA private investors can have tax withheld at 5%
What doesn't
- All lending companies are Dyninno group entities, and the Abele Finance programme lends only to group companies
- The 60-day buyback and the parent guarantee both depend on Dyninno's finances, so they are only as strong as that group
- Loss-making platform: net loss of €1.43 million in 2025, covered by capital from the parent
- No secondary market — Notes can only be transferred to another user you find — and the private parent and lenders publish no accounts on Nectaro's site
Who this is for
Investors who want a small, licensed satellite position in consumer and group business loans and accept that all of it depends on the Dyninno group.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: nectaro.eu · Sep 18, 2026 · Advertises up to 14%; investment brokerage licence 27-55/2023/3; investor compensation up to €20,000
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.
