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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 | €16,828,416.95 | €522,638,826.06 |

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

57 | 120 | 182 | 189 | 228 | 398 | 57 | 1,231 |

Average amount borrowed | |||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €303,913.00 | €295,235.00 | €424,564.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 4.87 % | 5.34 % | 5.55 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.52 % | 4.82 % | 5.50 % |

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

51 months | 45 months | 53 months | 50 months | 45 months | 43 months | 49 months | 47 months |

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

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

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

65 months | 54 months | 42 months | 31 months | 19 months | 6 months | 1 months | 26 months |

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

65 months | 55 months | 43 months | 31 months | 19 months | 6 months | 1 months | 25 months |

Capital repaid | |||||||

€10,928,995.73 | €40,855,029.32 | €64,768,362.70 | €63,574,876.68 | €48,635,846.69 | €8,163,288.09 | €0.00 | €236,926,399.21 |

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

96.52 % | 90.04 % | 74.92 % | 57.23 % | 37.24 % | 6.75 % | 0.00 % | 45.33 % |

Interest received | |||||||

€1,440,825.43 | €5,235,043.42 | €9,567,698.06 | €9,486,171.84 | €8,828,415.75 | €2,244,215.35 | €0.00 | €36,802,369.85 |

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

93.33 % | 90.94 % | 74.63 % | 71.16 % | 55.84 % | 17.69 % | 0.00 % | 57.47 % |

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 % | 4.26 % | 3.01 % | 2.07 % | 5.61 % | 5.00 % | 5.19 % | 4.07 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.06 % | 5.19 % | 5.77 % |

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

-1.17 % | -2.15 % | -3.31 % | -3.38 % | -0.40 % | -0.05 % | 0.00 % | -1.69 % |

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

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

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

€2,168.83 | €0.00 | €192,820.46 | €407,048.34 | €163,051.52 | €0.00 | €0.00 | €765,089.15 |

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

0.02 % | 0.00 % | 0.23 % | 0.36 % | 0.13 % | 0.00 % | 0.00 % | 0.15 % |

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

1.75 % | 0.00 % | 2.21 % | 3.66 % | 0.89 % | 0.00 % | 0.00 % | 1.14 % |

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

€304,833.87 | €1,808,513.56 | €5,383,249.51 | €7,296,158.17 | €783,012.34 | €0.00 | €0.00 | €15,575,767.46 |

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

2.69 % | 4.00 % | 6.38 % | 6.45 % | 0.62 % | 0.00 % | 0.00 % | 2.98 % |

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

8.77 % | 15.13 % | 16.57 % | 10.47 % | 1.33 % | 0.00 % | 0.00 % | 6.16 % |

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 | |||

4.35 % | 5.61 % | 6.34 % | 5.47 % |

Capital Outstanding | |||

€43,373,360.21 | €212,660,428.90 | €29,094,608.86 | €285,128,397.90 |

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

7.05 % | 12.14 % | 9.50 % | 11.10 % |

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

7.05 % | 12.10 % | 9.50 % | 11.06 % |

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

4.55 % | 11.61 % | 11.90 % | 11.18 % |

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

4.55 % | 11.31 % | 11.43 % | 10.86 % |

* 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. ↑