## 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

## 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

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | total |
---|---|---|---|---|---|---|---|---|

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 | €61,236,088.37 | €749,319,538.22 |

Number of projects funded | ||||||||

57 | 120 | 182 | 189 | 228 | 398 | 884 | 291 | 2,349 |

Average amount borrowed | ||||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €303,913.00 | €206,191.00 | €210,433.00 | €318,995.00 |

Average annual borrowing interest rate (V) | ||||||||

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 4.87 % | 5.40 % | 5.44 % | 5.51 % |

Average annual borrowing interest rate (N) | ||||||||

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.52 % | 5.44 % | 5.65 % | 5.51 % |

Average initial duration of loan (V) | ||||||||

51 months | 45 months | 53 months | 50 months | 45 months | 43 months | 50 months | 50 months | 48 months |

Average initial duration of loan (N) | ||||||||

50 months | 49 months | 48 months | 44 months | 41 months | 40 months | 45 months | 46 months | 44 months |

Average age of loans (V) | ||||||||

80 months | 69 months | 57 months | 46 months | 33 months | 21 months | 10 months | 2 months | 31 months |

Average age of loans (N) | ||||||||

80 months | 70 months | 57 months | 46 months | 33 months | 20 months | 9 months | 2 months | 24 months |

Capital repaid | ||||||||

€11,011,404.61 | €42,886,713.86 | €73,856,925.02 | €86,240,287.09 | €91,418,306.55 | €44,373,305.42 | €24,976,329.16 | €660,179.85 | €375,423,451.55 |

Share of capital repaid ^{1} | ||||||||

97.25 % | 94.51 % | 85.43 % | 77.63 % | 69.99 % | 36.69 % | 13.70 % | 1.08 % | 50.10 % |

Interest received | ||||||||

€1,441,687.57 | €5,326,243.88 | €10,376,625.83 | €11,171,357.64 | €12,986,881.84 | €8,200,691.44 | €6,680,767.28 | €255,696.72 | €56,439,952.21 |

Share of interest received ^{2} | ||||||||

93.39 % | 92.53 % | 80.94 % | 83.80 % | 82.15 % | 64.65 % | 27.98 % | 3.30 % | 60.33 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | total |
---|---|---|---|---|---|---|---|---|

Internal rate of return (net of risk) ^{3} | ||||||||

5.26 % | 3.74 % | 2.94 % | 1.94 % | 4.20 % | 4.12 % | 4.82 % | 5.55 % | 3.93 % |

Maximum possible internal rate of return ^{4} | ||||||||

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.06 % | 5.51 % | 5.55 % | 5.70 % |

Annual cost of risk identified ^{5} | ||||||||

-1.17 % | -2.66 % | -3.38 % | -3.50 % | -1.81 % | -0.94 % | -0.69 % | 0.00 % | -1.77 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | total |
---|---|---|---|---|---|---|---|---|

Late Capital ^{6} | ||||||||

€0.00 | €28,151.30 | €219,027.57 | €61,077.52 | €224,753.67 | €42,455.93 | €143,055.98 | €576.25 | €719,098.22 |

Late payment rate (V) ^{7} | ||||||||

0.00 % | 0.06 % | 0.26 % | 0.05 % | 0.18 % | 0.04 % | 0.08 % | 0.00 % | 0.10 % |

Late payment rate (N) ^{7} | ||||||||

0.00 % | 0.84 % | 2.76 % | 1.05 % | 2.67 % | 1.52 % | 3.81 % | 0.33 % | 2.33 % |

Defaulted Capital ^{8} | ||||||||

€304,833.87 | €2,245,750.89 | €5,393,095.46 | €7,660,891.41 | €4,355,320.33 | €2,484,114.26 | €2,548,625.27 | €0.00 | €24,992,631.50 |

Default Rate (V) ^{9} | ||||||||

2.69 % | 4.97 % | 6.39 % | 6.77 % | 3.47 % | 2.08 % | 1.35 % | 0.00 % | 3.33 % |

Default Rate (N) ^{9} | ||||||||

8.77 % | 15.97 % | 17.13 % | 12.04 % | 3.56 % | 2.03 % | 1.91 % | 0.00 % | 4.70 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | total |

## Default indicators**

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

A | B | C | total |
---|---|---|---|

A | B | C | total |

Average rate | |||

4.56 % | 5.51 % | 5.87 % | 5.43 % |

Capital Outstanding | |||

€45,997,389.01 | €262,322,356.50 | €66,256,036.42 | €374,575,781.90 |

Default rate (V)* ^{10} | |||

11.27 % | 12.17 % | 6.78 % | 11.11 % |

Default rate > 60 days (V)* ^{11} | |||

11.27 % | 10.61 % | 5.94 % | 9.87 % |

Default rate (N)* ^{10} | |||

10.34 % | 9.91 % | 8.09 % | 9.24 % |

Default rate > 60 days (N)* ^{11} | |||

10.34 % | 8.45 % | 7.08 % | 8.00 % |

* net of recovery

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

- 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. ↑