Income Marketplace

Estonia · Consumo · Fundada 2020

A nossa nota

4,7

Retorno médio

13,51%

média da plataforma

Regulação: No licence. Income Company OÜ is not on the Estonian FSA's crowdfunding register

Abrir uma conta na Income Marketplace Ler a análise completa Existe um código promocional?

Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.

O nosso veredicto

Income has designed its protection around lender failure: every loan carries a 60-day buyback from the lender, backed by a subordinated junior share and a cash-flow buffer sized against the lender's own loan book, and it publishes more about its lenders than most platforms its size. But Income Company OÜ holds no financial licence and is not on Finantsinspektsioon's list of crowdfunding providers, so no supervisor or compensation scheme stands behind a platform that reported a 2025 net loss of €437,981 and equity of €94,175. The one real test, ClickCash, suspended in November 2022 with €182,878 unpaid, stood at 50.8% recovered after nearly four years, partly from Income's own bridge payments. The buyback is only as strong as each lender, and the buffer has not been tested at scale.

Ler a nossa análise completa da Income MarketplaceRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).

O que funciona

Buyback, a subordinated junior share and a cash-flow buffer go further than a buyback alone
Detailed lender disclosure, including lenders' yearly financial statements posted on Income's blog
No investor fees for investing, Auto Invest, deposits or withdrawals
Small losses so far: one suspended lender, ClickCash, with about €183,000 unpaid against more than €200m invested since 2021

O que não funciona

No financial licence: Income Company OÜ is not a licensed crowdfunding provider or investment firm, and no compensation scheme applies
Thin, loss-making operator: 2025 net loss of €437,981 and equity of €94,175
ClickCash is 50.8% recovered after nearly four years, partly from Income's own money
ITF Group and Danarupiah made up about 69% of 2025 listings, and the secondary market promised for Q2 2026 had not launched by September 2026

Para quem é

Experienced investors who read lender reports, want a small position in non-bank lending, and accept the platform itself as an unregulated counterparty.

Como se decompõe a nota

Como esta pontuação é calculada

Regulação30%2.5/10

Historial25%5.0/10

Transparência15%6.8/10

Liquidez15%5.0/10

Diversificação10%6.5/10

Rendimento plausível5%5.9/10

Cada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.

Número retirado de: getincome.com · 21 de set. de 2026 · 13.51% average interest rate for 2025, from Income's own 2025 recap. A contracted rate, not a return after losses.