Breaking news: Kuetzal announcing a wind-down

Dear all,

Unfortunately all Kuetzal Investors have received the following e-mail today;

Dear Kuetzal investor,

Our team wants to apologize for delays in payments and replies to e-mails received.

Unfortunately we have to inform that Kuetzal is announcing wind-down, furthermore the company will only process withdrawals of the funds, the company is no longer accepting new project applications, investors registrations and deposits. Company’s reputation was harmed sufficiently for the past weeks, and Kuetzal management does not see a way to recover investor’s activity, therefore we may not return to usual working process. The mission of the company may not be reached anymore. 

Due to high number of reports, claims and negative messages SEB Bank and PAPAYA (the only two banks that Kuetzal used) initiated the AML check and has temporarily blocked Kuetzal’s bank accounts. Kuetzal is currently unable to perform any operations for undefined period. Kuetzal management is aiming to reestablish the activity of both operational bank accounts and perform buy-backs and withdrawals in shortest terms respectively.

Kuetzal will keep the investors informed.

We have not been able to make Kuetzal a successful player on crowdfunding market. We will however aim to exit the market quietly with minimum repercussion to our customers and the whole crowdfunding market. The website functions furthermore will be limited, only the user area will be kept. All the user area functions will continue working as before.

In case of technical issues with withdrawals or other question we kindly ask to use our contact mail instead of social networks or cellphone to receive the fastest service.

Kuetzal’s e-mail:

I guess it was about time this house of cards came crashing down after the most recent news. I’m sad to see it happen, but guess it was to be expected. I’ve initiated a 3rd reminder on my initial email to them on 25 December. So we’ll see if they actually follow-up well on winding-down respectively as they announced.

This shows the risk involved, 20% returns are almost too good to be true and here is a good example.

I’ll keep you updated about the withdrawal process.

Kind regards,


Edit 14/01/2018 – Kuetzal responded to my e-mail. So far I was able to withdraw €1001,05 from their platform. I still have €100 in the Alborg Petrol project… so still curious to see what will happen with it. I’ll update again when the funds arrives on my bank account.

Kuetzal wind-down bancrupt withdrawal 2020

Kuetzal wind-down bancrupt withdrawal 2020

Envestio Review 2019

Envestio – My experience after 1 full year on this crowdlender.

Envestio was actually my most favourite platform after being only a little while into Peer To Peer Lending. Based on that, it was actually my very first platform to write a review about on the 15th of August 2018.

So exactly one year later I thought it would be a great time to update my opinion.

Is it still my favourite platform in my portfolio? No it isn’t, but that is mostly due to its own success. And to be fair, it is a close second. If they can clean up some of the issues they’ve been having recently, then I have no doubt in a nice future for them as a crowdlender.

Envestio is still the platform I have the most invested in; €3000, with a total value now of €3562,79. I’ve actually started on 02/07/2018 with only €1000 and added another €2000 on 07/11/2018. Which means at this rate I should reach a clean €1000 euro profit during spring of 2020.

I don’t think there are many other forms of investment that can achieve this in such a short amount of time. It’s even still crazy for me when I see those return numbers every month, which is averaging slightly above €50 on only (?) a €3000 investment.


Crowdestor Review 2019

Crowdestor – invest in Businesses and Real Estate.

When I took my first steps into Crowdlending, I started investing in 3 different lenders at once. Then I took a few weeks to research my next platforms to keep myself very diversified. Which is what I highly recommend to anyone who would like to start investing.

I got really excited about Crowdestor and included them in my very first blog post about my three initial platforms as part of my top 5. Almost exactly one year ago now, at the end of June 2018, I joined this Peer-to-Peer lender.

From the start, 12 months ago, up until now I haven’t had a single complaint about Crowdestor. Everything went smooth and I hope this can continue for many years to come.


Robocash Review 2019

Is the Peer to peer lending platform Bondora worth it? No! Look at Robocash instead.

Originally I had planned to review all the platforms I’ve invested in in order of my initial investments.

However, I decided to no longer write one for Bondora, as I don’t have many positive experiences with it. So I’m skipping straight to Robocash instead.

I’ve been thinking of converting my Bondora to the “Go and Grow” option, and go for 6.75% p.a. But why would I do this, when I compare Robocash having a fully buyback guaranteed 12% option?

I’m almost 12 months into this crowdlender and all is still going well.


Mintos Review 2019

Is Mintos a scam? Is Mintos trustworthy?

Those are the questions I see ever so often.

We’re coming up on 1 year on the platform and 10% interest received on my initial investment, so I feel it’s time now for a review of value. Anything written before were more speculations and opinions.


Envestio Review

Mintos interest rates dropping? Envestio review, my first recommendation in Peer to Peer Lending!

Hello to all with an Investors Mindset!

​As this is my very first review of one of the platforms I have invested in, I hope you do me the favour of taking it a little bit easy on me with comments… But good advice is very much appreciated! I will always try to write my posts in an easy to read style – I am but a simple person myself – with honest thoughts and 100% real numbers.

So let’s dive into the review… The below review is fully based on my own opinions and experience.

Mintos was the platform I was most excited about when I started investigating peer to peer lending platforms. This started nearly three months ago, not too long after my marriage. The reason being of course trying to approach our future smart, financially speaking.

After that, it took me about a month to have my diversified portfolio of 6 different platforms, where I had invested a total of €5500 in. At the time of this post, nearly one and a half months into the platforms on average, the total portfolio value is just a little above €5600. Not bad at all… already €100 up. I believe with that amount in Belgium I would have gotten €5 after a full year!

A big part of this interest increase has to do with Envestio, which has a portfolio value of €1026.11 at the time of writing, with a few more payments coming up this month. As I only started investments with them on the 2nd of July, I have to admit… not bad!

​The reason why I’m not writing a review about the first platform I started investing in, Mintos, but the one I ended with (for now – doing some renovations in the apartment so further investing will be delayed a bit) is just because of the all-around great impression they gave me. And yes, because of the announced Mogo buybacks on Mintos (read more), their interest rates have dropped quite a bit.

So first of all, who is Envestio?

Are they trustworthy? Is Envestio a scam? Do they have long-term stability and plans?

As always, don’t take my word for it, do your own research as there are always risks involved.

Envestio started approximately 4 years ago, have offices in Riga, Latvia and offer investment opportunities in Real Estate, Business, Energy and also Cryptomining equipment. Their website is easy to use and understand.

Envestio ​offers a very clear overview and can get you started very quickly. You can start investing with as low as €100. Their focus on Crowdinvesting with great and interesting projects made me a believer and I can vouch they are definitely not a scam and are growing to become a P2P Lending platform to be reckoned with.

At the time of writing, August 15th, they had their first “1-day project” (open to the crowd in the morning and fully financed by the evening) on the platform. It was the “Biomass fuel – factoring 1” project with total value of €40,000.

Their latest numbers (as of the end of July) are: €1,441 mln invested, 854 people registered.

Some bonus points about Envestio:

  • Good interest rates, on average a whopping 18% since I joined. They’ve recently added the Biomass Fuel project, which is giving 22%, or a new Crypto mining option with 20,5%. I always advise to diversify, so up to you to take your pick.

And the above Projects are just two examples of the six active investment options.

  • Good starting bonus of €5 and another 0,5% of the total invested amount over the first 9 months! You can see below my own “Timespan bonus for Invitee” of €5,77. This is because I used an affiliate link to join and was already paid out after 1 month based on my total investments over that period.
  • Extremely useful overview on the homepage Dashboard. The “Investments repayment schedule” will show exactly how much interest is coming in next by showing the 10 next results as default.
  • On time payment of all the loans! If I’m honest this to me is a very big plus. Because for some of the other platforms delayed payments are a real hassle. Below the overview of interest received in July.
  • Good choice of projects, with plenty of availability. What I mean by this is there has been a steady flow of new projects and the active ones aren’t sold out in one day or even one week. This gives investors like us the time to investigate a bit and not having to act immediately.
  • Detailed information about the projects, with pictures and exact payment dates & amount. Envestio compares it to an investment of €1000. That way you can easily calculate if you invest €100 or €500 yourself the monthly return.
  • Buyback option and guarantee on the projects. Please read on the Envestio blog for more info.
  • A useful statistic, even though at the moment there is only one. This might be a suggestion to them to expand the options here a little bit.

I could go on… but safe to say out of the 6 current platforms Envestio ​is my favourite. And not solely based on the high-interest returns.

I hope this platform has a great future ahead. However, I must warn everyone reading this (thank you very much for that by the way!) investing in peer to peer lenders always comes with risk. That’s why the key really is diversification. If one of my investments fails and I lose my money on it, the others will make up for it after 1 year due to the great rates. So please make sure to do your due diligence before investing.

This brings me to the end… my conclusion

Envestio has given me the confidence to recommend them as a p2p platform and so far the contact I have had with their people have been really smooth with a very quick response. From the moment I joined, one and a half months ago, there have been no shortages on loans and they’ve had a steady flow of new projects. This is a big bonus point for me.

So if this lights a small fire within you, feel free to sign up through any of the links on my blog. This will give you the bonus mentioned above, and will also help me with keeping the blog alive.

If you would like to share any of your own experiences with Envestio, or any of the other platforms you’d like to get a review about. Feel free to leave a comment and I’ll make sure to get back to you.

Again, I’d like to take a moment to thank you and I wish you a very pleasant day. Happy investing!

Kind regards,


Dividend Portfolio Update July 2020

How do you invest €5000? Results after 1 month

Review of portfolio after I started investing in p2p loans one month ago.

Hi all,

As always let me start by thanking you for being interested in investing smarter than on a normal savings account with the bank… Where only the bank makes a profit of and you actually go backwards against inflation.

Roughly one month ago I started my P2P Lending / Crowdfunding journey where it was clear from the start I wanted to diversify. I investigated a lot of the platforms and read up as much as I could. If you would like to take your first steps, just as I did, please do your own research and due diligence. I didn’t invest all at once, so only some have a result of the full month, some only from two weeks. But I’ll go more into detail below.

The first month is always a bit harder to base results on, as they are not always as transparent everywhere and might not give a very clear picture yet of future returns, but I’ll try to give detailed updates every month. For now my portfolio’s total is €5500.

  • Mintos: On €1000 currently at €7,63 interest after one month
  • Bondora: On €500 currently at €2,07 interest after one month
  • Robocash: On €1000 currently at €8,58 interest after one month
  • Crowdestor: On €1000 no interest yet, explained below
  • Grupeer: On €1000 currently at €1,89 interest after 2,5 weeks
  • Envestio: On €1000 currently at €7,25 interest after 2 weeks

Total€27,42 interest on the €5500 investment so far. Which I have to say is not a bad first step for some passive income. Time now to let this compound interest grow. I’ll update monthly, but don’t forget, this is just a small part of the whole post.


6 alternative investment tools you could be using

Review of my portfolio after a few weeks

Hi everyone,

Thank you for being interested in a starting investor and being part of the journey. I hope the blog will give you valuable insight on European P2P Lending Platforms.

Online you can find a lot of information about the American market. Part of the reason why I’m creating this blog, is to give a better perspective for Europeans looking for information on how to invest your savings. As we all know, letting it collect dust in the bank is going backwards because of inflation.

I started investing after investigating many blogs, reading as much as I could, watching YouTube video’s and review websites. Before making your first investments I would advise you to do your research first. For me it took many evenings and weekends. And one big tip: diversify your money – spread across different investment strategies. In order of investments I’ll give my initial opinion in the following P2P Lending platforms, which are both Personal, as Business or Real Estate Loans.


Invest in the stock market now

How to nearly double your money in 5 years?

Mintos – Robocash – Bondora To Start

Hi all, thank you for visiting this newly started blog. The goal is clear (Solid you could say), I’m starting to take my first steps into investing to eventually arrive at a steady passive income whilst building compound interests over time. Focus is on P2P (Peer to Peer) lending, Crowdfunding – mostly invest in Real Estate and Business projects, stock market and eventually owning and renting out Real Estate.

Over the last few weeks – all my free time went into investigating potential options to incrementally grow my financial situation, taking into account risk v.s. reward. I recently married my beautiful Filipina wife and that opened my eyes even more towards the/our future. This means after my fulltime job as CRM specialist I’ve spent the many evenings, as well as almost every free moment during the weekend browsing. Here I saw that especially P2P Lending and Crowdfunding is becoming more popular in Europe, but not too much detailed information (with results) or blogs are up-and-running for this… Hopefully this will become a source of just that for European investors. Informative and detailed information with real results. With clear results on how to double the investment in less than 6 years.

I’ve always had a mindset towards stock investing, saving for the future / pension and good at saving. As an example 5 years ago I’ve loaned from the bank for my apartment. I took the loan over 30 years. Now 5 years later I’ve already paid off over 50% of this loan. Just because I’m able to manage my salary against expenses very well, as we don’t have options like HELOC for example in Europe. However my next goal is bigger… much bigger.

Here you will find in the very near future reviews of; MintosRobocashBondoraGrupeerCrowdestorEnvestio and much more. Potentially also about Cryptocurrency, Stock market picks, dividends, Real Estate, …

After my initial steps in these platforms – these made my top 5 (more will come as time goes on):


Affiliate Links

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Investing with: Mintos
Investing with: Robocash
Investing with: Crowdestor
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