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Soulful Retreats: Finding Serenity in European Monasteries

Published: November 14, 20232 Comments

retreats at monasteries in europe

Modern life, especially in cities, can be chaotic and very noisy. It’s hard to stop and reflect and think deeply in such environments. My search for peace and tranquility led me quite early in my life to the sacred thresholds of monasteries, where I enjoyed various retreats with groups and friends, as well silent retreats that had a significant impact in the biggest choices in my life.

Nestled in serene environments, these sanctuaries offer more than just spiritual solace; they invite travelers to experience a unique stay, rich in history and contemplation. The tradition of monastic hospitality stretches back centuries, rooted in the Benedictine principle of welcoming guests as if they were Christ himself. Today, this tradition continues, evolving to accommodate the curiosity and spiritual aspirations of modern-day visitors.

From the iconic Montserrat in Spain to the secluded abbeys of France, monasteries across Europe open their doors to those seeking a retreat from the ordinary. These stays offer a rare glimpse into a world where time slows down, and life’s priorities are realigned. Whether it’s the chanting of monks at dawn, the simplicity of monastic meals, or the undisturbed natural beauty surrounding these holy places, a stay in a monastery is an immersion into a way of life that is both ancient and profoundly relevant.

In this article, I’ll share with you some of the best monasteries I know of. While not many people seek stays at such monasteries or even know that it’s possible, it is actually quite straightforward these days to book a stay in an amazing monastery. Typically, all you need to do is phone or email the monastery explaining why you’d like to visit (don’t worry if you’re not religious, it is not a requirement) and the dates that would work for you. Most monasteries will get back to you quickly with a reply.

Keep in mind that many monasteries need the income they get from such stays from pilgrims, so your stay is helping them maintain the monastery. Many monasteries in Europe unfortunately have had to close down, as it became too costly to maintain and the patronage devoted to religious institutions declined over time.

Moreover, as I mentioned, for some orders like the Benedictines, the welcoming of pilgrims is an important part of their tradition. For these, it is rooted in the Rule of Saint Benedict, which is the guiding document for Benedictine communities. Therefore, in Benedictine monasteries, the act of welcoming pilgrims and guests is not just a casual practice but a deeply ingrained spiritual duty, reflecting their commitment to living out the teachings of Christ and Saint Benedict.

For other orders, like the Jesuits, welcoming pilgrims is not as core as the Benedictines. However, their founder, St. Ignatius of Loyola is known for having developed the Spiritual Exercises. These exercises are designed to be carried out over a retreat that lasts about 30 days, though there are also adaptations for shorter periods. The Spiritual Exercises of St. Ignatius of Loyola are indeed a core aspect of Jesuit spirituality and have a significant impact on how they interact with both their own members and with laypeople. This means that most Jesuit retreat centers are also great places to spend some days in retreat.

Other orders have a similar disposition to welcoming pilgrims within their communities, and remember, you don’t need to be a Catholic or Christian to go to these places. You can very well be an agnostic, atheist or practice another religion. What’s expected of you is that you behave in a manner that maintains the sanctity and peace of the site and follow any practical guidelines that they have in place.

Spain

Spain, a land steeped in religious history and architectural marvels, offers a unique blend of spiritual and cultural experiences. Its monasteries, set against the backdrop of diverse landscapes, from the rugged mountains to serene plains, provide an ideal setting for reflection and connection with the past. These spaces are not only centers of religious significance but also custodians of art, history, and tradition. In this section, we will explore some of the most remarkable monastic retreats in Spain, each offering a distinct flavor of Spanish spirituality and heritage.

The Spiritual Charm of Montserrat

Perched high among the multi-peaked rocky range, Montserrat Monastery in Spain is more than just a religious retreat; it’s a cultural and historical emblem. The monastery, with its stunning basilica and the famed statue of the Black Madonna, draws pilgrims and tourists alike. But to truly experience Montserrat, one must stay within its walls.

As the night falls and the day-trippers depart, a profound silence envelops the monastery. The pilgrims’ quarters, simple yet comfortable, encourage reflection and introspection. Visitors are invited to join the monks in their daily prayers, a mesmerizing chant that echoes through the ancient halls.

A stay at Montserrat is not just about spiritual pursuits. The monastery offers access to a wealth of hiking trails, an art museum, and unparalleled views of the Catalan landscape. It’s a place where nature and spirituality intertwine, offering a refreshing perspective on life’s rhythm.

It’s become a kind of second home for me; a place where I know I can retreat to whenever I need to spend a few days in deep thought, especially before embarking on a new project, or when I’m passing through a particularly challenging period. I visit at least twice a year, and I’ve also been organizing trips there for the Good Life Collective community that I’ve been nurturing over the past years.

Monasterio Santa María del Parral, Segovia

Tucked away in the historic city of Segovia, the Monasterio Santa María del Parral stands as a testament to the enduring charm of monastic life. This still-active monastery, nestled in a quiet corner of the city, offers a unique experience for those seeking a peaceful retreat. The architecture, reflecting Gothic and Renaissance influences, creates a solemn yet welcoming atmosphere.

Guests can immerse themselves in the daily rhythm of the monastery, which includes time for personal reflection, walks in the gardens, and the chance to witness the monastic community’s daily activities. The simplicity of the accommodations complements the tranquil environment, making it a perfect setting for contemplation and rejuvenation.

Monasterio de Poblet

Located in the scenic region of Catalonia, the Monasterio de Poblet is a UNESCO World Heritage site and one of the largest Cistercian monasteries in Spain. This functioning monastery, with its impressive architectural complex, offers a glimpse into monastic life while providing a serene backdrop for visitors.

Staying at Poblet is an opportunity to disconnect from the outside world and engage in a lifestyle centered around peace and simplicity. The monastery is surrounded by vineyards and natural parks, offering beautiful landscapes for quiet walks and meditation. Its historic walls and cloisters are a constant reminder of the centuries-old traditions that still thrive within its premises.

Monasterio de El Paular, Madrid

The Monasterio de El Paular, situated in the picturesque Lozoya Valley near Madrid, provides a serene escape from the hustle and bustle of city life. This monastery, with its rich artistic heritage and beautiful natural surroundings, offers an ideal setting for reflection and creative inspiration.

Guests at El Paular can enjoy the tranquil gardens, explore the monastery’s art collection, and participate in the community’s daily routines at their own pace. The surrounding Sierra de Guadarrama National Park presents endless opportunities for nature walks and quiet contemplation amidst the beauty of the Spanish countryside.

France

France, with its rich tapestry of history and tradition, is home to some of the world’s most beautiful and serene monasteries. From the lavender-laden fields of Provence to the tranquil shores of Cannes, these sacred sites offer a peaceful refuge and a glimpse into a life of contemplation and simplicity.

The fantastic site Ritrit.fr can be used to find retreat centers in France and also to book stays in them.

Abbaye Notre-Dame de Sénanque, Provence

Nestled in the heart of Provence, the Abbaye Notre-Dame de Sénanque is a functioning Cistercian monastery, famous for its stunning lavender fields. The tranquil surroundings and the simplicity of the monastic life here offer a perfect environment for introspection and peace. Visitors can join the monks in prayer, experience the rhythm of monastic life, and enjoy the natural beauty of the Provence region.

Abbaye de Lerins, Cannes

Located on the serene island of Saint-Honorat off the coast of Cannes, the Abbaye de Lerins is a haven of peace away from the glamour and bustle of the French Riviera. This active monastery, with a history dating back to the 5th century, invites guests to partake in the spiritual life of the monks. The island’s natural beauty, combined with the contemplative atmosphere of the abbey, makes it an ideal spot for a spiritual retreat.

La Grande Chartreuse, French Alps

As the motherhouse of the Carthusian Order, La Grande Chartreuse in the French Alps is a symbol of solitude and contemplation. While the monastery itself is not open to overnight guests, its surrounding area offers a peaceful retreat for those seeking quiet and solitude. Visitors can stay in nearby accommodations and take the opportunity to explore the breathtaking alpine scenery and reflect in the tranquil environment.

Malta

Mount St. Joseph Retreat House, Malta

Mount St. Joseph Retreat House, situated in Mosta, Malta, is a Jesuit-run center that offers a serene and contemplative environment for those seeking a spiritual retreat. This facility is dedicated to providing a space for quiet reflection and personal growth, welcoming individuals of all faiths and backgrounds.

The retreat house is nestled in a peaceful location, perfect for those looking to escape the distractions of everyday life. It offers comfortable accommodations, including private rooms, communal spaces for relaxation, and extensive gardens. Guests can engage in self-guided retreats or participate in organized programs that might include meditation sessions, spiritual talks, and opportunities for individual reflection and prayer.

Mount St. Joseph stands out as a destination for those who value introspection and spiritual exploration, regardless of their religious affiliation.

Manresa House, Gozo

Manresa House in Gozo is another retreat center that offers an opportunity for spiritual renewal and personal retreat. Managed by the Jesuits, this center provides a tranquil environment conducive to meditation and reflection.

Located in the serene and picturesque island of Gozo, Manresa House is surrounded by natural beauty, creating an ideal setting for those seeking peace and quiet. The retreat center features simple yet comfortable accommodations, prayer rooms, and communal areas where guests can relax and contemplate.

Rest of Europe

St. Benedict’s Monastery, Austria

In the heart of Austria, St. Benedict’s Monastery is a place where the timeless beauty of the Austrian landscape meets the enduring legacy of Benedictine spirituality. This active monastery offers a chance to experience monastic life amidst the picturesque Austrian countryside. Guests can participate in the daily prayers, enjoy the quietude of the monastery’s gardens, and explore the surrounding nature trails.

Iona Abbey, Scotland

Located on the Isle of Iona, off the west coast of Scotland, Iona Abbey is one of the oldest and most important religious centers in Western Europe. Today, it is a place of pilgrimage and spiritual retreat. The abbey’s community is committed to ecumenical worship and spiritual renewal. Visitors can immerse themselves in the tranquil beauty of the island, partake in community activities, and find solace in the abbey’s peaceful atmosphere.

Monastery of St. John the Theologian, Greece

Perched on the island of Patmos, the Monastery of St. John the Theologian is not only a place of immense historical and religious significance but also a serene retreat. Known for its stunning views of the Aegean Sea, the monastery offers a unique blend of spiritual heritage and natural beauty. While the monastery itself has limited accommodations for visitors, the surrounding town provides ample opportunities for a peaceful stay, with chances to visit the monastery and its remarkable library.

Valamo Monastery, Finland

Valamo Monastery, located in the serene Finnish lakeland, offers an experience of Eastern Orthodox monasticism. This active monastery is known for its tranquil setting and rich cultural heritage. Visitors can participate in the liturgical services, explore the monastery’s museum, and enjoy the natural beauty of the Finnish landscape.

Each of these monastic retreats offers a unique experience of peace, solitude, and introspection. Whether nestled in the mountains, perched on an island, or hidden in the countryside, these monasteries invite visitors from all walks of life to pause, reflect, and connect with themselves in a deeper, more meaningful way. As we journey through Europe’s monastic heritage, we find not only historical and cultural treasures but also timeless sanctuaries where the soul can find rest and rejuvenation.

In Conclusion: The Timeless Allure of Monastic Retreats

Europe’s serene monasteries, each with their unique history and setting, provide a sanctuary for the soul. They remind us that in our fast-paced world, there are still places where time moves slowly, and life’s deeper questions can be contemplated in silence and serenity. Whether you’re seeking solitude, spiritual reflection, or just a break from the daily grind, these spots offer a quiet escape.

While social media tries to indoctrinate us that happiness lies in the things we buy or fancy places we visit, the truth, in my experience, is that the best adventures are the ones that bring us inward or connect us deeply with other human beings and the true nature of life. Monasteries are the ideal place to go on that journey.

Filed under: Thoughts & Experiences

Should We Restrict Air Travel?

Published: November 09, 2023Leave a Comment

air-travel-future

Transportation has long been a cornerstone of societal progress, opening doors to the far reaches of our globe. The 19th-century skepticism towards expanding mobility, epitomized by figures such as the Duke of Wellington, has been left in the dust by the adoption of railroads and automobiles. These innovations first took root in the world’s more affluent regions before extending their reach to emerging economies.

One form of transit, however, has been notably gradual in achieving global ubiquity: air travel. Nonetheless, a shift is occurring. With rising global incomes, air travel is becoming accessible to a broader population. Concurrently, costs have been on a downward trajectory when adjusted for inflation. This democratization of the skies has been facilitated by the construction of new airports, particularly in areas previously devoid of such infrastructure.

Looking ahead, air travel is poised for further growth, particularly in regions that historically have had limited access. Yet, this expansion faces potential turbulence from climate initiatives that prioritize emission reductions over the cost of flying.

Growth of Air Travel in the Global Arena

Statistical evidence underscores the ascent of air travel. It’s an industry that has seen a dramatic increase in passenger numbers and distance flown over the last few decades, despite the recent pandemic-induced downturn. In 2004, the global threshold of two billion annual air travelers was crossed, and by 2019 this figure had soared to 4.6 billion, marking an unmatched growth trajectory in transportation history.

Developing nations are at the forefront of this trend. Regions such as Latin America and countries like Congo and Bangladesh have seen passenger numbers multiply. Yet, there remains substantial potential for further growth.

Forecasts by the International Civil Aviation Organization (ICAO) predict a 4.3 percent annual growth in air transport over the next twenty years, with the most significant increases expected in the developing world. This contrasts with the past, where frequent flyers from developed nations dominated growth statistics. The future will see millions of new passengers, many of whom are the first in their families ever to fly.

Climate Initiatives in the Air Transport Sector

Despite accounting for only a small fraction of anthropogenic climate change, air travel emissions are under scrutiny. With advancements in fuel efficiency driven by market forces, the industry is looking to further reduce its carbon footprint. Beyond efficiency improvements, sustainable aviation fuels offer another avenue for reducing emissions, though their cost and environmental benefits are subjects of debate.

The ICAO has set ambitious climate goals, including net-zero emissions by 2050, and introduced the Carbon Offsetting and Reduction Scheme for International Aviation (CORSIA) to curb emissions from international flights. Similarly, the European Union has integrated air travel emissions into its Emissions Trading System, aligning with the Paris Agreement targets.

A recent survey conducted by the Consumer Science and Analytics Institute (CSA) has revealed a startling inclination among the French populace towards imposing severe restrictions on air travel. The study indicates that 41% of French individuals are in favor of a policy that would cap the number of flights one can take in a lifetime at four, a proposition brought forward by engineer Jean-Marc Jancovici, encompassing both business and leisure travel.

The survey, which gathered insights from 1,010 French adults, shows a pronounced generational divide: 59% of young adults between the ages of 18 and 24 are advocates for this stringent limit. Despite the majority being against a lifetime cap of four flights, a significant 64% of respondents are open to reducing their air travel in the short to medium term to mitigate the impact of climate change.

The Price of Progress

The financial implications of these climate policies for air travelers are not yet clear. Estimates suggest achieving net-zero emissions from aviation by 2050 could cost $175 billion annually. However, environmental advocates argue that current measures are insufficient and are pushing for more stringent controls, which could further escalate costs.

The United States has seen legal actions aimed at tightening emissions regulations, reflecting a broader international push for more rigorous standards. Yet, critics argue that even the most severe restrictions may have a negligible impact on global temperatures.

Impact on Air Travel in Developing Countries

The debate around aviation and climate change often overlooks the impact of stringent climate measures on the affordability of air travel, particularly for citizens of developing nations. There is a risk that aggressive climate policies could price these new segments of air travelers out of the market.

As usual, the privileged few put their virtue-signaling and short-term way of thinking above all else.

The implementation of stringent air travel restrictions would have disproportionate consequences on developing countries. Aviation is a critical driver of economic growth, facilitating trade, tourism, and investment. For many developing nations, the connectivity afforded by air travel is a lifeline that links them to global markets and opportunities. A cap on air travel could severely dampen their economic prospects by limiting the influx of tourists and business investments that are often necessary for these countries to thrive and progress.

Furthermore, such restrictions could exacerbate global inequalities. While developed nations have already benefited from decades of unfettered air travel, accruing economic and social advancements, developing countries may find themselves handcuffed in their pursuit of similar progress, having to adhere to restrictions that were not in place during the formative years of more developed economies.

Beyond economics, the social fabric of communities in developing nations could also be at risk. Many individuals from these countries travel abroad for education and employment, sending remittances back home that are vital to their families’ livelihoods. Limiting air travel could disrupt these essential flows of income, potentially leading to increased poverty levels.

Moreover, the emotional toll on families can be significant. The ability to visit family members who have migrated for work or to escape conflict could be curtailed, leading to prolonged separations and the erosion of family bonds over time. In the context of developing countries, where community and family structures are paramount, the repercussions of such separation could be deeply destabilizing.

My Final Thoughts

The concept of imposing strict limits on air travel raises profound questions about the trade-offs between climate action and personal freedom. The potential policy could mean an end to various forms of long-distance human connection and experience — whether it’s business-related travel, personal vacations, or crucial family moments like bidding farewell to a loved one or welcoming a new family member. Once an individual’s flight quota is reached, their ability to connect with far-off places and people would be drastically limited.

This presents a dystopian scenario where personal mobility is significantly constrained, possibly leading to a future where individuals might find themselves confined to their localities, with limited access to the broader experiences the world offers. The debate thus centers not only on environmental sustainability but also on the fundamental values that underpin our society — freedom, connection, and the pursuit of happiness.

Filed under: Thoughts & Experiences

Debitum Investments Review 2026 – A Reliable P2P Platform?

Last updated: March 11, 2026Leave a Comment

Debitum network

Debitum Investments (formerly Debitum Network, rebranded in February 2024) is one of the most established platforms in the Peer-to-Peer (P2P) lending arena, forging a conduit between investors and borrowers to channel capital towards businesses. Since its inception in 2018, operating from the vibrant city of Riga, Latvia, Debitum has made significant strides. The platform has garnered a robust base of over 10,000 registered investors, and its portfolio nearly doubled in 2025, growing from EUR 27.3 million to EUR 53.3 million.

The platform also reached a major milestone in 2025: its first year of profitability. Combined with a 2nd place ranking in community P2P platform rankings, Debitum is clearly on an upward trajectory. The new domain is debitum.investments, reflecting the rebrand.

This comprehensive review aims to unpack the multifaceted aspects of Debitum, analyzing its investment potential, safety measures, and outlining how to start investing through this platform.

Register on Debitum

Expected Returns on Debitum

Debitum Statistics

The appeal of Debitum lies in its promise of substantial returns, underscored by an impressive XIRR (Internal Rate of Return) of 11.44%. A five-year track record of zero defaults highlights the platform’s adept risk management and caliber of loan originators. The experiences of many investors, including my own, reflect yields around 10%, aligning with returns from others in the sector.

Debitum‘s Safety Measures

Navigating the P2P investment world requires thoroughly evaluating platform safety. Debitum meets this need by directing investments solely into business loans, fortified with tangible collateral. This prudent focus on asset-backed lending, although slightly reducing returns, significantly lowers default risks, creating a safe environment. Debitum’s safety architecture includes a robust 90-day buyback guarantee on all loans, plus a 15% penalty on delayed repayments by loan originators. The platform’s strict 4-step due diligence process for loan originators has prevented defaults. Introducing Asset-Backed Securities (ABS) reduces the risk associated with individual loan defaults, strengthening investment security.

Two-factor authentication (2FA) is also available on Debitum, which is another sign that both the financial and technical security of the platform are being taken seriously.

A hallmark of Debitum is its regulatory adherence, epitomized by its distinction as one of only four licensed P2P platforms in Europe, operating under license No. 06.06.08.728/537. This regulatory status not only increases investor fund protection but also sustains appealing returns, instilling reliability among investors.

They dedicate an entire section of their site to explaining very clearly how they protect their investors. They call this framework “Protection Plus”.

Protection Plus: Safeguarding Your Investments on Debitum Network

Debitum regulation
Protection Plus is the three-tiered security architecture developed by Debitum to ensure the protection of investor funds. Each layer addresses different aspects of investment risk, offering a holistic safety mechanism for individuals and entities looking to invest through the Debitum platform.

1. Platform Level Protection

At the foundational level, Debitum ensures regulatory compliance and financial security. Being a licensed investment brokerage supervised by the Central Bank of Latvia, it adheres to stringent European Union regulations. This compliance instills confidence among investors about the platform’s operational legitimacy.

Additionally, Debitum has an insolvency protection policy. In the rare event of platform insolvency, investors’ funds are shielded up to €20,000 by the Investor compensation scheme authorized by the Republic of Latvia.

The third aspect of platform-level security is the segregation of investor funds. Debitum assures that all invested funds are kept separate from the company’s own financials, ensuring that the investors’ money is not used for any internal business activities or to cover Debitum’s operational costs.

2. Loan Originator Level Safeguards

The second tier addresses the risks associated with loan originators. Debitum requires originators to maintain “skin in the game,” mandating them to hold a portion of the loans on their balance sheet. This ensures they have substantial risk and incentive to oversee the loans effectively.

Moreover, Debitum enforces a rigorous due diligence process on all loan originators, which encompasses business model assessment, financial checks, and ongoing monitoring of performance.

Unique to Debitum’s platform is the “Junior share” concept, which gives loan originators a subordinate position in the cash flow waterfall, prioritizing investor claims in case of defaults or insolvencies.

Furthermore, Debitum uses co-control bank accounts for loans issued by Triple Dragon and Sandbox Funding, maintaining a tight grip on the movement of funds and the quality of the loan portfolios.

3. Underlying Asset Level Assurance

The final layer of Protection Plus is focused on the underlying assets backing the loans. Debitum pledges solid collateral which may include real estate or accrued receivables, adding an extra layer of security.

Debitum has a “Buy Back obligation” policy in place, where if a loan defaults, the loan originator is bound to repurchase the loan, thus safeguarding the investor from a complete loss.

Additionally, Debitum implements late penalty charges for overdue payments, incentivizing timely repayments and adding to the overall security measures.

If default situations escalate, Debitum has partnered with Creditreform, a leading debt collection agency, to manage recoveries efficiently and effectively.

I like how specific and detailed Debitum are with this concept. After all, this is the biggest doubt that investors have before investing in a new platform. Debitum’s Protection Plus stands out as a comprehensive, multi-level investment protection framework designed to minimize risks for investors. By integrating strict regulatory adherence, due diligence, and strong collateral backing, Debitum not only promotes investment security but also demonstrates a deep commitment to its users’ financial well-being. The fact that the platform achieved its first year of profitability in 2025 adds another layer of reassurance — a profitable platform is a sustainable platform. With such measures in place, investors can engage with Debitum’s platform, assured that their investments are shielded through a thoughtful and thorough security apparatus.

Company and Team

Debitum team
At Debitum’s core is a team of seasoned finance industry veterans. The leadership, headed by CEO Henrijs Jansons, adeptly navigates finance, investor/partner relations, and marketing. COO Anatolijs Putņa leads platform development and HR, while CLO Gvido Bajārs oversees legal, regulatory affairs, and risk management, forming a robust operational backbone.

Debitum has gone through several ownership changes in recent years, which is worth understanding:

In 2023, the controlling ownership structure of SIA DN Operator — the legal entity of Debitum — changed. The previous owner, Mārtiņš Liberts, exited the picture entirely. [reference]

Most recently, in October 2025, co-owner Eriks Rengitis sold his approximately 33% stake, making Ingus the sole owner of the platform. This consolidation of ownership under a single individual simplifies the governance structure, though it also means the platform’s direction now depends heavily on one person’s vision and commitment.

The platform also completed a significant rebrand in February 2024, changing from “Debitum Network” to “Debitum Investments” and moving to the new domain debitum.investments. As part of the rebrand, the platform fully separated from the DEB token that was associated with the earlier iteration of the business.

Ready to explore the investment opportunities on Debitum? Click here to get started.

Loan Originators

Debitum investments
The strength of a P2P lending platform depends significantly on the quality of its loan originators. Debitum has a transparent and meticulous vetting process for evaluating potential loan originators. This process analyzes the financial stability, growth potential, and professional management expertise of each originator.

Some of Debitum’s top originators include Evergreen Capital, Tripe Dragon and Sandbox Funding. They currently have loan originators from Estonia, Latvia, and the UK. These originators have passed Debitum’s stringent 4-step due diligence protocol, which reviews business plans, analyses financial statements, evaluates collateral, and conducts background checks on management. This rigorous, ongoing evaluation ensures continued alignment with Debitum’s high standards.

Each loan originator profiled on Debitum comes with a detailed overview, encompassing their operational history, financial performance, and management team. This level of transparency provides investors with a well-rounded understanding, enabling them to make informed investment decisions.

Debitum is regularly adding new loan originators, so you can expect a solid pipeline of investing opportunities.

Asset-Backed Securities

Debitum ABS
On Debitum, investors can invest in Asset-Backed Securities (ABS), which pool multiple loans into a single asset, providing an extra layer of diversification and security.

An asset-backed security (ABS) represents a financial instrument that gains its value from a pool of loans. The purpose of creating an ABS is to offer investors a secure and predictable investment option with fixed terms and income. By utilizing a pool of loans as collateral, the ABS ensures stability and repayment by replacing loans that mature or become overdue during their lifespan.

The loans included in this pool share similar characteristics, such as the loan originator and type, which may encompass factoring, trade finance, business loans, agro-loans, and car leasing. Although there may be variations in the loans’ start dates, maturity periods, and nominal values, their collective performance directly impacts the investment.

The success of this investment model relies on the performance of all loans in the pool and the loan originator’s expertise in loan origination. Through careful management of these factors, investors can potentially benefit from a reliable and rewarding investment opportunity in asset-backed loans.

Getting Started on Debitum

Debitum Register
Getting started investing on Debitum is straightforward:

  1. Create an account and complete identity verification. This is a quick and simple process.
  2. Deposit funds via bank transfer. Debitum provides account details to route the deposit quickly.
  3. Browse current investment options like business loans or ABS. The platform organizes opportunities clearly.
  4. Select investments that match your criteria and allocate funds. The auto-invest feature (to be reactivated soon) will automate this.
  5. Manage investments and withdraw profits. The user dashboard provides easy access to monitor performance.

User Interface and Experience

Debitum boasts a user-friendly interface, designed with an intuitive layout to ensure a seamless user experience. The platform provides easy access to vital information, investment options, and account settings, making it easy for both novice and seasoned investors to navigate and manage their investments.

Customer Support

Support is available through the standard phone, email and chat. I typically use chat and email, with a preference for chat when I have a quick and simple question. I’ve had good results whenever I messaged them during European office hours, and outside of those hours an email does the trick, with a reply being received within the next day or two.

Personal Experience and Returns

My investment trajectory on Debitum has been marked by a consistent yield performance, even amidst the economic turbulence induced by the COVID-19 pandemic during 2020 and 2021, where my average annual yields were of around 9%. This narrative underscores the platform’s robustness and its capability to deliver competitive returns, reflecting positively on its long-term viability.

Risks

Debitum is one of the few platforms that clearly spell out the risks to investing in P2P lending. I’ll try to put it simply here by using analogies.

Investing on Debitum is a bit like embarking on a treasure hunt where the map is well-detailed but the terrain is unpredictable. Just like any treasure hunt, there’s a chance you won’t find what you’re looking for. Here, the treasure is your potential earnings, and despite having a good map in the form of Debitum’s protective measures, there’s still the chance of running into unexpected trouble. You can check out the risks on this page on their site.

Think of Debitum’s investments like planting a garden. You’ve got good tools and quality seeds (the protective layers and due diligence), but sometimes nature has other plans. A sudden storm (a loan default) or pests (market volatility) can harm your budding plants (your investments). And if the biggest plant (a loan originator) gets sick and can’t be saved by the garden’s first aid kit (the buyback obligation), it might affect the whole garden’s health.

In short, Debitum sets you up with a safety kit for your investment journey, but it can’t control the weather or the wildlife. You’re more protected than going it alone, but you should only pack into your investment basket what you can afford to adventure with.

External Reviews

Most reviews, especially since the change in ownership, are positive. Many investors like to use Trustpilot as a source of independent reviews. Although I don’t personally put too much weight on Trustpilot reviews, in this case, we can definitely say that the sentiment on Trustpilot about Debitum is a positive one.

Debitum Trustpilot
Since the platform’s rebrand and ownership changes, I’ve seen a steady increase in positive investor reviews. The 2nd place ranking in community P2P platform rankings for 2025 is further evidence of growing investor confidence.

This is also one of the reasons (I suspect) why Debitum makes a special effort to really describe its offering in the best way possible, also outlining possible risks. This is good for the investor, as investor discontent almost always is the result of either investing in something they didn’t properly understand (and having a negative outcome) or malpractice from the platform’s side, which thankfully has become uncommon in the last couple of years, compared to the wild west early years of P2P lending.

What Sets Debitum Apart

Several key factors differentiate Debitum from other P2P lending platforms:

  • Strict focus on asset-backed business loans, enhancing security
  • Robust 90-day buyback guarantee and late repayment penalties
  • One of only four licensed platforms in Europe currently
  • Strong track record of zero defaults over 6+ years
  • High XIRR of 11.44% reflecting profitability of its loan portfolio
  • First year of platform profitability achieved in 2025
  • Portfolio nearly doubled in 2025 (EUR 27.3M to EUR 53.3M)
  • Transparent and meticulous vetting of loan originators

The combination of prudent risk management, regulatory compliance, and consistent returns makes Debitum stand out.

Alternatives to Debitum

While Debitum offers a robust and secure platform for P2P lending, investors might also consider exploring other platforms to diversify their investment portfolio. Some notable alternatives include:

  1. Mintos: A well-established P2P platform known for its wide range of loan originators and investment opportunities.
  2. PeerBerry: Known for its user-friendly interface and a good variety of short-term loan opportunities.
  3. Bondora: Offers a range of investment products and has a long-standing history in the P2P lending space.
  4. EstateGuru: Specializes in real estate-backed loans, providing a different asset class for diversification.

Conclusion

Debitum has all the signs of a reputable P2P lending platform, offering a conducive ecosystem for investors to channel funds into sustainable business loans. The platform’s stringent safety measures, transparent loan originator selection, and dedicated team are its hallmarks, instilling confidence in the investment community.

The yield on Debitum, although slightly trailing some counterparts, is offset by the emphasis on asset-backed lending and robust safety mechanisms, significantly enhancing the security quotient of investors’ funds.

With a simplified onboarding process, a diversified range of investment options, and the momentum of a nearly doubled portfolio and first year of profitability in 2025, Debitum is currently looking like one of the most user-friendly and secure investment platforms in Europe. If you’re looking for passive income through higher-risk investments, you should definitely take a look at this platform.

Register on Debitum

Filed under: Money, P2P Lending

The Demise of Portugal’s NHR and Golden Visa Programmes

Published: October 12, 20231 Comment

portugal nr end

As of late 2023, Portugal has declared the termination of two of its most significant residency and tax programs, the Non-Habitual Residency (NHR) and the Golden Visa. This decision signifies a major shift in Portugal’s immigration and taxation policy, which has been a magnet for expatriates and investors worldwide.

In this article, I’ll delve into the essence of these programs, the rationale behind their discontinuation, and the potential aftermath on Portugal’s socio-economic landscape.

The NHR and Golden Visa Programmes: A Brief Recap

The NHR programme was an appealing tax regime for expatriates, offering reduced tax rates on foreign income for a decade. On the other hand, the Golden Visa programme provided a pathway to residency through investments, predominantly in real estate, with a notable option of family inclusion.

Catalysts for Change

The termination of these programs comes as a response to mounting housing affordability issues and an inflated real estate market. The Golden Visa, particularly, exacerbated property prices in urban hubs like Lisbon and Porto, creating a ripple effect of housing unaffordability for locals​​. Moreover, the NHR program faced criticism for fostering a biased inflation in the housing market, making it unsustainable​. The termination of these schemes aligns with a broader objective to alleviate the housing crisis and curtail real estate speculation​.

Who Benefited?

The main direct beneficiaries of these programs were expatriates, investors, and their families. The NHR programme enticed individuals seeking tax efficiencies, while the Golden Visa appealed to those eyeing residency through investment, often in real estate​.

The Impact on Portugal and Immigration

The real estate sector experienced a surge due to these programmes, with a notable increase in property values and construction projects, particularly in urban areas. This surge not only revitalized certain neighborhoods but also boosted the economy through job creation and foreign capital influx​.

However, these benefits came at a cost. The rising property prices made housing less affordable for local residents, and cities experienced overcrowding, leading to concerns about the quality of life for residents. The political scrutiny and the public’s growing discontent were reflective of these challenges, prompting a re-evaluation of these programmes.

Forward Outlook

The termination of these programs may initially deter many expatriates and investors. However, it also opens a window for policy reform that could lead to more sustainable and inclusive growth. As Portugal navigates through these changes, the nation’s approach towards foreign investment and expatriate taxation will be keenly observed by stakeholders both within and outside its borders.

The unfolding scenario presents a blend of challenges and opportunities. It signifies Portugal’s stride towards addressing long-term socio-economic issues while also redefining its stance on immigration and foreign investment. As we monitor these developments, the broader implications on Portugal’s international allure and its socio-economic dynamics will be of paramount interest.

I’m skeptical about this being a good move, given how much Portugal has benefited from the NHR and Golden Visa programmes over the past decade. One might think that it’s only “rich expats” that benefitted by lowering their tax bill, but it’s also important to consider that the influx of talented foreign workers and highly qualified people and their families also served to raise the cultural level of the country. This resulted in the opening of modern schools, restaurants, coworking spaces, etc. either to cater for the new demand, or as ideas implemented by these expats.

The housing market will take a hit as a result, but I think that a huge percentage of those who would have previously considered moving to Portugal and investing in the country will now move elsewhere or stay put in their own countries. At the end of the day, this is another poorly-thought-out populist move that results in Portugal taking a gamble on its future. Time will tell whether the gamble pays off or not.

These developments also provide a golden opportunity for other European countries to capitalise on the unmet demand that is the result of the end of the NHR programme in Portugal. Italy and Greece, for example, offer a similar lifestyle to Portugal (if not better) and have their own NHR programmes in place, so they could ramp up their efforts to attract the expats that are now looking for an alternative fiscal residency to Portugal.

Filed under: Expat life

Three Days in Madrid – What to See & Do

Published: October 05, 2023Leave a Comment

what to do in madrid 3 days

Madrid is one of my favorite cities in the world, and I always love to visit and explore it from different angles, mostly depending on whom I’m visiting with.

Here are some ideas for a 3-day visit.

First of all, how to get to Madrid. If you’re in Barcelona or one of the major Spanish cities, I would recommend taking a high-speed train. There are several companies operating high-speed trains, for example, you can get to Madrid from Barcelona in just 2.5 hours.

I typically use Omio to find all the options, then select which one I like best. I consider the time, cost, and type of seating. When traveling alone, I like to use AVE’s silent carriages, while when with family I prioritize seating around a table for 4 people. All of the train options allow you to take a foldable bike, so taking my Brompton with me is not an issue. I always take it when I’m traveling alone as that’s my favorite way of exploring a city.

If it’s your first time in Madrid, a good idea to familiarise with yourself with the city is to take a free walking tour or buy a ticket to the hop-on hop-off buses, which have two routes that show you the main parts of the city in comfort. With the hop-on hop-off buses you get the extra benefit of not needing transport, since the buses are likely to include stops at most attractions you’ll want to visit.

If you’re a football fan, then a visit to the Real Madrid and Atletico Madrid stadiums can easily take up one day.

For art and culture, I recommend grabbing an Art Walk ticket for the three main art museums you can find in Madrid: Museo del Prado + Museo Reina Sofía + Museo Thyssen. These three take up at least one whole day.

In the evenings, watching a flamenco show is a great option. I skip the dinner options and eat elsewhere, so I can focus on the show itself. Flamenco is quite intense, so it just doesn’t feel right to me to be eating while watching such a show. A drink, on the other hand, pairs perfectly well.

These are the best locations to watch flamenco:

  • Cardamomo
  • Tablao Flamenco 1911

As for restaurants, here are some recommendations:

  • Taberna El Sur
  • Restaurante Cebo

Filed under: Expat life

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