You can easily install most of those services on YUNOhost - in fact I have a bunch of them running on a cheap VPS. All open source. It even comes with email and XMPP out of the box. I had no hosting experience beforehand and I rarely have to touch it these days. I would want more resources if I had 10 people using the whole Nextcloud suite every day but if you wanted to go the VPS route I’m sure you could easily do it for less than €5/month/person. You can run it on your own hardware as well.