## 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 | 2023 | 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 | €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 months | 45 months | 53 months | 50 months | 45 months | 43 months | 50 months | 50 months | 53 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 | 43 months | 44 months |

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

91 months | 80 months | 68 months | 57 months | 44 months | 32 months | 21 months | 9 months | 1 months | 37 months |

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

91 months | 81 months | 68 months | 57 months | 44 months | 31 months | 20 months | 10 months | 1 months | 30 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 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | total |
---|---|---|---|---|---|---|---|---|---|

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 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | total |
---|---|---|---|---|---|---|---|---|---|

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 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | total |

## Default indicators**

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

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

A | B | C | total |

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.

- 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. ↑