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Our statistics

Statistics

As of the end of March 2023.

Key figures

  • Total amount lent

    0

  • Repayments to lenders

    0

  • Interests paid back to lenders

    0

  • Projects received and studied

    0

  • Projects accepted and funded*

    0
* 100% of the projects presented are funded, thanks to the October Guarantee

Our charts

  • Amounts lent by project risk band

  • Number of active lenders

  • Average number of lenders per project

  • Average amount lent per project

  • Distribution of investors

  • Breakdown of outstanding amounts

Our performance indicators

General indicators

Calculation by: Volume (V)  |  Number (N)

201520162017201820192020202120222023total
Amount lent
€11,322,752.05€45,376,453.13€86,453,281.12€111,084,549.43€130,615,813.81€120,957,559.57€182,273,040.74€154,962,230.83€18,479,369.00€861,525,049.68
Number of projects funded
57 120 182 189 228 398 884 697 111 2,866
Average amount borrowed
€198,645.00€378,137.00€475,018.00€587,749.00€572,876.00€303,913.00€206,191.00€222,327.00€166,481.00€300,602.00
Average annual borrowing interest rate (V)
6.26 %6.12 %6.11 %5.38 %5.72 %4.87 %5.40 %5.77 %8.01 %5.61 %
Average annual borrowing interest rate (N)
6.51 %6.56 %6.60 %5.57 %5.65 %4.52 %5.44 %6.07 %8.11 %5.73 %
Average initial duration of loan (V)
51 months45 months53 months50 months45 months43 months50 months50 months53 months48 months
Average initial duration of loan (N)
50 months49 months48 months44 months41 months40 months45 months46 months43 months44 months
Average age of loans (V)
91 months80 months68 months57 months44 months32 months21 months9 months1 months37 months
Average age of loans (N)
91 months81 months68 months57 months44 months31 months20 months10 months1 months30 months
Capital repaid
€11,016,451.78€43,067,187.81€76,791,034.62€93,501,705.07€108,821,539.14€72,616,238.82€66,151,437.77€23,997,034.05€146,899.11€496,109,528.18
Share of capital repaid 1
97.29 %94.91 %88.82 %84.17 %83.31 %60.03 %36.29 %15.49 %0.79 %57.59 %
Interest received
€1,441,687.57€5,335,849.41€10,663,232.65€11,626,614.56€14,318,328.53€10,676,691.26€13,177,726.58€5,578,633.45€60,024.46€72,878,788.47
Share of interest received 2
93.39 %92.70 %83.17 %87.22 %91.15 %85.71 %55.20 %26.33 %1.68 %66.11 %
201520162017201820192020202120222023total

Performance results 

Calculation by: Volume (V)  |  Number (N)

201520162017201820192020202120222023total
Internal rate of return (net of risk) 3
5.26 %3.79 %2.74 %1.06 %4.37 %2.65 %3.10 %5.18 %8.38 %3.44 %
Maximum possible internal rate of return 4
6.43 %6.41 %6.33 %5.44 %6.01 %5.06 %5.51 %5.86 %8.38 %5.79 %
Annual cost of risk identified 5
-1.17 %-2.61 %-3.58 %-4.38 %-1.64 %-2.41 %-2.41 %-0.68 %0.00 %-2.35 %
201520162017201820192020202120222023total

Incident indicators

Calculation by: Volume (V)  |  Number (N)

201520162017201820192020202120222023total
Late Capital 6
€0.00€124,918.60€56,168.15€223,324.83€1,988,357.06€245,992.42€506,973.43€344,414.74€0.00€3,490,149.22
Late payment rate (V) 7
0.00 %0.28 %0.07 %0.20 %1.58 %0.21 %0.27 %0.22 %0.00 %0.40 %
Late payment rate (N) 7
0.00 %0.84 %2.76 %1.05 %2.67 %2.78 %5.27 %2.44 %0.00 %3.09 %
Defaulted Capital 8
€304,833.87€2,103,039.26€5,706,659.18€9,760,685.29€3,309,534.72€5,992,992.19€9,366,634.41€1,910,453.23€0.00€38,454,832.14
Default Rate (V) 9
2.69 %4.66 %6.76 %8.62 %2.64 %5.01 %4.96 %1.23 %0.00 %4.46 %
Default Rate (N) 9
8.77 %15.97 %17.68 %15.18 %6.22 %7.85 %9.98 %2.30 %0.00 %8.17 %
201520162017201820192020202120222023total

Default indicators**

Calculation by: Volume (V)  |  Number (N)

Projects grade
ABCtotal
ABCtotal
Average rate
4.60 %5.65 %6.06 %5.56 %
Capital Outstanding
€47,757,650.87€252,270,267.10€58,122,221.85€358,150,139.80
Default rate (V)* 10
15.24 %14.70 %14.90 %14.81 %
Default rate > 60 days (V)* 11
15.24 %13.90 %12.94 %13.93 %
Default rate (N)* 10
7.35 %12.47 %16.51 %13.75 %
Default rate > 60 days (N)* 11
7.35 %11.10 %14.30 %12.13 %

* net of recovery

** The table shows the default indicators required by the Autorité de contrôle prudentiel et de résolution (ACPR) for social lending platforms.

See our portfolio

  • 1. 

    Share of borrowed capital that has already been repaid. The older the loans, the higher the share already repaid. ↑

  • 2. 

    Share of interest due that has already been paid. The older the loans, the higher the share already paid. ↑

  • 3. 

    The net internal rate of return represents the annual profitability of the loans, net of known losses or proven losses at the calculation date. ↑

  • 4. 

    The maximum possible internal rate of return represents the annualised return on loans if all loans were repaid as originally scheduled. ↑

  • 5. 

    The annual cost of risk observed represents the decrease in profitability caused by delays and payment defaults compared to the maximum possible rate of profitability. This is the difference between the maximum possible internal rate of return (4) and the net internal rate of return (3). ↑

  • 6. 

    The overdue capital is the sum of the capital of payments less than 180 days overdue, net of recoveries. ↑

  • 7. 

    The late payment rate represents the proportion of overdue payments of less than 180 days in relation to the borrowed capital. It is calculated as follows: - by volume: overdue capital / amount lent; - by number: number of projects overdue / number of projects financed. ↑

  • 8. 

    The capital in default is the sum of the capital which will never or probably never be repaid. It is calculated as follows: sum of the capital of overdue payments of more than 180 days + sum of the capital overdue and the capital remaining due from a company in collective proceedings or which has been the subject of a forfeiture of the contractual term, net of recoveries. ↑

  • 9. 

    The default rate represents the share of capital that will never or probably never be repaid in relation to the capital borrowed. It is calculated as follows: - in volume: capital in absence / amount lent; - in number: number of projects in default / number of projects financed. ↑

  • 10. 

    (V): Ratio of the outstanding capital of delayed loans to the total outstanding capital of the October portfolio. (N): Ratio of # of delayed loans to the total # of outstanding loans of the October portfolio. ↑

  • 11. 

    (V): Ratio of the outstanding capital of loans with a payment delay of more than 60 days to the total outstanding capital of the October portfolio. (N): Ratio of # of loans with a payment delay of more than 60 days to the total # of outstanding loans of the October portfolio. ↑