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## 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 | €119,318,478.95 | €625,128,888.06 |

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

57 | 120 | 182 | 189 | 228 | 398 | 542 | 1,716 |

Average amount borrowed | |||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €303,913.00 | €220,145.00 | €364,294.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 4.87 % | 5.24 % | 5.49 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.52 % | 5.19 % | 5.43 % |

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) | |||||||

72 months | 61 months | 49 months | 38 months | 25 months | 13 months | 4 months | 28 months |

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

72 months | 62 months | 49 months | 38 months | 25 months | 12 months | 4 months | 24 months |

Capital repaid | |||||||

€10,997,945.49 | €42,252,943.62 | €69,914,210.63 | €75,824,160.30 | €70,822,063.29 | €24,379,894.11 | €3,416,400.33 | €297,607,617.77 |

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

97.13 % | 93.12 % | 80.87 % | 68.26 % | 54.22 % | 20.16 % | 2.86 % | 47.61 % |

Interest received | |||||||

€1,441,687.57 | €5,303,949.30 | €10,027,208.45 | €10,504,124.87 | €11,196,019.44 | €5,234,751.96 | €1,626,247.46 | €45,333,989.05 |

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

93.39 % | 92.14 % | 78.21 % | 78.80 % | 70.82 % | 41.27 % | 10.86 % | 58.94 % |

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 % | 3.74 % | 2.94 % | 1.93 % | 5.30 % | 4.83 % | 5.32 % | 4.12 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.06 % | 5.34 % | 5.70 % |

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

-1.17 % | -2.67 % | -3.38 % | -3.51 % | -0.70 % | -0.22 % | -0.02 % | -1.58 % |

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

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

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

€0.00 | €0.00 | €280,939.40 | €205,328.53 | €252,937.94 | €18,837.76 | €580.29 | €758,623.93 |

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

0.00 % | 0.00 % | 0.33 % | 0.18 % | 0.20 % | 0.02 % | 0.00 % | 0.12 % |

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

0.00 % | 0.00 % | 1.66 % | 2.09 % | 1.33 % | 0.51 % | 2.15 % | 1.39 % |

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

€304,833.87 | €2,280,450.51 | €5,424,457.75 | €7,623,442.97 | €1,578,739.55 | €637,464.77 | €0.00 | €17,849,389.43 |

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

2.69 % | 5.05 % | 6.43 % | 6.74 % | 1.26 % | 0.53 % | 0.00 % | 2.85 % |

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

8.77 % | 15.97 % | 17.13 % | 10.99 % | 2.67 % | 0.76 % | 0.00 % | 4.93 % |

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 | |||

4.44 % | 5.57 % | 5.93 % | 5.44 % |

Capital Outstanding | |||

€47,744,164.88 | €234,658,358.40 | €45,644,175.57 | €328,046,698.80 |

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

11.06 % | 12.17 % | 6.90 % | 11.27 % |

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

11.06 % | 11.87 % | 5.88 % | 10.92 % |

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

6.67 % | 10.00 % | 7.24 % | 9.04 % |

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

6.67 % | 9.55 % | 5.94 % | 8.36 % |

* 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. ↑