We use cookies to ensure that we give you the best experience on our website. If you continue to use this site we will assume that you are happy with it. Learn more

## 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 | 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 | €507,968,409.11 |

Number of projects funded | ||||||

57 | 120 | 182 | 189 | 228 | 398 | 1,180 |

Average amount borrowed | ||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €303,913.00 | €430,482.00 |

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

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

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.52 % | 5.53 % |

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

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

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

50 months | 49 months | 48 months | 44 months | 41 months | 40 months | 43 months |

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

64 months | 53 months | 41 months | 30 months | 18 months | 5 months | 26 months |

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

65 months | 54 months | 42 months | 30 months | 18 months | 5 months | 25 months |

Capital repaid | ||||||

€10,880,883.68 | €40,587,150.46 | €63,981,594.42 | €61,791,933.88 | €45,806,419.90 | €4,934,077.97 | €227,982,060.30 |

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

96.10 % | 89.45 % | 74.01 % | 55.63 % | 35.07 % | 4.08 % | 44.88 % |

Interest received | ||||||

€1,440,203.28 | €5,222,050.51 | €9,490,062.46 | €9,315,537.42 | €8,421,936.40 | €1,856,684.53 | €35,746,474.61 |

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

93.29 % | 90.72 % | 74.02 % | 69.88 % | 53.27 % | 14.64 % | 57.64 % |

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

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

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

5.26 % | 4.25 % | 3.02 % | 2.01 % | 5.60 % | 5.08 % | 4.04 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.06 % | 5.78 % |

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

-1.17 % | -2.15 % | -3.31 % | -3.43 % | -0.41 % | 0.03 % | -1.74 % |

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

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

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

€2,168.83 | €0.00 | €197,306.06 | €662,290.99 | €311,567.98 | €0.00 | €1,173,333.86 |

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

0.02 % | 0.00 % | 0.23 % | 0.59 % | 0.25 % | 0.00 % | 0.23 % |

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

1.75 % | 0.00 % | 2.76 % | 4.71 % | 0.89 % | 0.00 % | 1.44 % |

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

€304,833.87 | €1,812,519.96 | €5,385,700.79 | €7,134,107.17 | €790,616.36 | €0.00 | €15,427,778.15 |

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

2.69 % | 4.01 % | 6.38 % | 6.30 % | 0.63 % | 0.00 % | 3.03 % |

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

8.77 % | 15.13 % | 16.57 % | 9.95 % | 1.33 % | 0.00 % | 6.35 % |

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

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.28 % | 5.66 % | 6.32 % | 5.49 % |

Capital Outstanding | |||

€42,059,370.79 | €208,320,945.80 | €29,028,662.25 | €279,408,978.90 |

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

7.27 % | 12.82 % | 8.52 % | 11.54 % |

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

7.27 % | 10.62 % | 8.51 % | 9.90 % |

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

4.62 % | 11.99 % | 11.90 % | 11.44 % |

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

4.62 % | 11.04 % | 11.43 % | 10.67 % |

* 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. ↑