Indemo
Indemo is an investment platform based in Riga. Indemo SIA was registered in May 2022 and opened to investors in 2023. Latvijas Banka licensed it as an investment firm on 15 November 2022 under number 06.06.08.824/547, and Indemo belongs to the Latvian investor compensation scheme, which pays up to 20,000 euros if the firm fails to return money or securities to a client. That scheme does not cover investment losses. From 10 euros investors buy Notes, each one tied to a single Spanish non-performing mortgage loan that was bought from a bank at a discount. The borrower has already stopped paying, so the return does not come from interest: a foreclosure agent in Spain enforces against the flat or house behind the loan and sells it, the money recovered first repays the principal, and what is left over is split between the investor and the agent. Money therefore only comes back when the case ends, which in Spain often takes years, and how much comes back depends on what the property fetches. The Notes are issued by a special-purpose company belonging to Indemo, there is no buyback, and Indemo charges nothing for investing, depositing or withdrawing.
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Indemo in real numbers
Anonymized statistics from all Indemo portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
5.7%
Based on 298 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 178 stated strategies
Combined portfolio value
€2,953,305
Investors on P2P Dash
555
Interest earned all-time
€41,414
Median cash drag
1.0%
Share of funds sitting uninvested
Compare Indemo head-to-head
Indemo returns over time
Median annual return of Indemo investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
2.4%
58 investors
5.9%
2024
6.3%
2025
3.1%
2026
Is money moving into Indemo?
Monthly deposits minus withdrawals across Indemo investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€1,204,199
555 investors tracking
In Q3 2026, Indemo ranks 8 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Indemo changing?
The strategies Indemo investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
55
as of Nov 12, 2026
Last 7 days
0
- More cautious
- 2
- More confident
- 0
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 55 | 175 | 1 | 2 | 2 | 0 | 23% | 19% | 31% | 11% | 16% |
| Oct 26 to Nov 1, 2026 | 55 | 173 | 1 | 6 | 2 | 0 | 23% | 18% | 31% | 12% | 16% |
| Oct 19 to Oct 25, 2026 | 57 | 171 | 0 | 0 | 1 | 0 | 25% | 19% | 31% | 11% | 15% |
| Oct 12 to Oct 18, 2026 | 57 | 170 | 1 | 0 | 2 | 0 | 24% | 19% | 31% | 11% | 15% |
| Oct 5 to Oct 11, 2026 | 57 | 168 | 1 | 3 | 4 | 0 | 24% | 20% | 32% | 10% | 15% |
| Sep 28 to Oct 4, 2026 | 57 | 164 | 0 | 8 | 2 | 1 | 25% | 19% | 31% | 10% | 15% |
| Sep 21 to Sep 27, 2026 | 58 | 163 | 2 | 2 | 5 | 0 | 26% | 18% | 32% | 9% | 14% |
| Sep 14 to Sep 20, 2026 | 59 | 158 | 2 | 2 | 2 | 0 | 27% | 18% | 32% | 9% | 15% |
| Sep 7 to Sep 13, 2026 | 59 | 156 | 1 | 2 | 1 | 0 | 28% | 18% | 31% | 9% | 15% |
| Aug 31 to Sep 6, 2026 | 59 | 155 | 1 | 1 | 6 | 0 | 28% | 19% | 30% | 9% | 15% |
| Aug 24 to Aug 30, 2026 | 58 | 149 | 1 | 1 | 2 | 0 | 25% | 20% | 31% | 9% | 15% |
| Aug 17 to Aug 23, 2026 | 57 | 147 | 1 | 1 | 7 | 0 | 25% | 19% | 31% | 9% | 16% |
| Aug 10 to Aug 16, 2026 | 56 | 140 | 3 | 0 | 2 | 0 | 24% | 20% | 31% | 9% | 16% |
| Aug 3 to Aug 9, 2026 | 55 | 138 | 2 | 0 | 4 | 0 | 22% | 20% | 31% | 9% | 17% |
| Jul 27 to Aug 2, 2026 | 54 | 134 | 1 | 3 | 3 | 0 | 21% | 20% | 31% | 10% | 18% |
Indemo investors also track
Share of Indemo investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Indemo
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Devon21.9% median return (XIRR) · 353 investors
Asterra Estate22.8% median return (XIRR) · 297 investors
Full ranking:Real estate →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Indemo
Answers based on anonymized community data from P2P Dash investors.
What is Indemo?
Indemo is a peer-to-peer lending platform, founded in 2022 (headquarters: Latvia). On P2P Dash, investors import their Indemo account statements to track the real net return they earn there.
What return do investors actually earn with Indemo?
Across 298 Indemo portfolios tracked on P2P Dash, the median net return (XIRR) is 5.7%. The middle 50% of investors earn between 3.6% and 10.6% (as of November 12, 2026).
How many investors track Indemo on P2P Dash?
555 investors track their Indemo portfolios on P2P Dash, with a combined portfolio value of €2,953,305 and €41,414 in interest earned all-time.
How does Indemo rank among P2P platforms?
Indemo ranks 20 of 29 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Indemo?
Of 178 stated strategies for Indemo, 41% plan to add funds or reinvest, 32% intend to hold, and 27% plan to reduce or exit (as of November 12, 2026).
Is Indemo regulated?
Yes, Indemo is a regulated platform supervised by Latvijas Banka.
Does Indemo offer a buyback guarantee?
No, Indemo does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Indemo portfolio?
Export your transaction history from Indemo (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Indemo?
Based on the community ranking, the closest alternatives to Indemo in the same asset class are Inrento, Devon, Asterra Estate. Each platform page shows real median returns and investor numbers from the P2P Dash community.