## 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 | 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 | €164,145,833.74 | €669,956,242.85 |

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

57 | 120 | 182 | 189 | 228 | 398 | 782 | 1,956 |

Average amount borrowed | |||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €303,913.00 | €209,905.00 | €342,513.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 4.87 % | 5.36 % | 5.51 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.52 % | 5.39 % | 5.48 % |

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

51 months | 45 months | 53 months | 50 months | 45 months | 43 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 | 44 months |

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

75 months | 64 months | 52 months | 41 months | 28 months | 16 months | 6 months | 29 months |

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

75 months | 65 months | 52 months | 41 months | 28 months | 15 months | 5 months | 23 months |

Capital repaid | |||||||

€11,002,992.66 | €42,561,872.11 | €71,798,432.71 | €81,485,756.05 | €79,956,381.48 | €32,063,141.69 | €8,074,828.28 | €326,943,404.97 |

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

97.18 % | 93.80 % | 83.05 % | 73.35 % | 61.21 % | 26.51 % | 4.92 % | 48.80 % |

Interest received | |||||||

€1,441,687.57 | €5,316,390.57 | €10,187,321.41 | €10,804,722.50 | €11,951,407.47 | €6,436,230.56 | €3,200,470.92 | €49,338,231.00 |

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

93.39 % | 92.36 % | 79.46 % | 81.05 % | 75.60 % | 50.74 % | 15.09 % | 59.33 % |

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

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

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

5.26 % | 3.73 % | 2.92 % | 1.87 % | 5.23 % | 4.70 % | 5.45 % | 4.19 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.06 % | 5.47 % | 5.71 % |

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

-1.17 % | -2.67 % | -3.41 % | -3.57 % | -0.78 % | -0.36 % | -0.02 % | -1.52 % |

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

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

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

€0.00 | €35,067.46 | €323,954.82 | €529,625.48 | €711,768.52 | €90,718.04 | €46,427.87 | €1,737,562.20 |

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

0.00 % | 0.08 % | 0.38 % | 0.47 % | 0.57 % | 0.08 % | 0.03 % | 0.26 % |

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

0.00 % | 0.84 % | 2.21 % | 1.57 % | 1.78 % | 1.01 % | 2.40 % | 1.79 % |

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

€304,833.87 | €2,280,450.51 | €5,421,461.75 | €7,698,056.85 | €1,478,128.76 | €932,488.97 | €14,259.06 | €18,129,679.77 |

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

2.69 % | 5.05 % | 6.43 % | 6.80 % | 1.18 % | 0.78 % | 0.01 % | 2.70 % |

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

8.77 % | 15.97 % | 17.13 % | 11.52 % | 2.67 % | 1.27 % | 0.13 % | 4.54 % |

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

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.56 % | 5.54 % | 5.89 % | 5.44 % |

Capital Outstanding | |||

€48,988,052.07 | €236,076,966.90 | €57,312,559.30 | €342,377,578.20 |

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

11.16 % | 11.86 % | 4.84 % | 10.58 % |

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

10.78 % | 10.66 % | 4.38 % | 9.62 % |

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

10.17 % | 9.53 % | 6.02 % | 8.32 % |

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

6.78 % | 8.34 % | 5.08 % | 7.13 % |

* net of recovery

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

- 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. ↑