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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 | total |
---|---|---|---|---|---|

Amount lent | |||||

€11,322,752.05 | €45,376,453.13 | €86,453,281.12 | €111,084,549.43 | €130,615,813.81 | €384,915,849.54 |

Number of projects funded | |||||

57 | 120 | 182 | 189 | 228 | 777 |

Average amount borrowed | |||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €495,387.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 5.77 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 6.06 % |

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

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

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

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

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

52 months | 41 months | 29 months | 18 months | 6 months | 20 months |

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

53 months | 42 months | 30 months | 18 months | 6 months | 23 months |

Capital repaid | |||||

€10,383,031.18 | €37,431,513.34 | €52,108,805.14 | €39,753,966.60 | €12,113,067.18 | €151,790,383.44 |

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

91.70 % | 82.49 % | 60.27 % | 35.79 % | 9.27 % | 39.43 % |

Interest received | |||||

€1,406,292.25 | €4,907,046.04 | €8,108,750.69 | €6,663,251.02 | €2,606,220.75 | €23,691,560.75 |

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

91.45 % | 85.36 % | 63.25 % | 49.99 % | 16.57 % | 48.18 % |

2015 | 2016 | 2017 | 2018 | 2019 | total |

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

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

5.23 % | 4.43 % | 3.36 % | 2.94 % | 5.66 % | 4.12 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.98 % |

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

-1.19 % | -1.98 % | -2.96 % | -2.51 % | -0.35 % | -1.86 % |

2015 | 2016 | 2017 | 2018 | 2019 | total |

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

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

€13,907.90 | €13,000.88 | €23,289.50 | €75,714.99 | €0.00 | €125,913.26 |

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

0.12 % | 0.03 % | 0.03 % | 0.07 % | 0.00 % | 0.03 % |

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

3.51 % | 1.68 % | 2.76 % | 2.09 % | 0.00 % | 1.67 % |

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

€299,054.26 | €1,607,204.45 | €4,729,528.02 | €5,040,611.99 | €750,950.64 | €12,427,349.36 |

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

2.64 % | 3.56 % | 5.61 % | 4.45 % | 0.60 % | 3.23 % |

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

7.02 % | 13.45 % | 14.36 % | 7.85 % | 0.89 % | 8.09 % |

2015 | 2016 | 2017 | 2018 | 2019 | total |

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.36 % | 5.89 % | 7.65 % | 5.75 % |

Capital Outstanding | |||

€41,887,085.81 | €173,462,496.80 | €17,525,415.27 | €232,874,997.90 |

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

7.88 % | 8.29 % | 15.03 % | 8.72 % |

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

7.88 % | 6.96 % | 13.84 % | 7.64 % |

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

3.33 % | 12.09 % | 17.39 % | 12.42 % |

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

3.33 % | 11.40 % | 15.22 % | 11.46 % |

* 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. ↑