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

Amount lent | ||||||

€11,322,752.05 | €45,376,453.13 | €86,453,281.12 | €111,084,549.43 | €130,615,813.81 | €15,426,981.50 | €400,279,831.04 |

Number of projects funded | ||||||

57 | 120 | 182 | 189 | 228 | 34 | 810 |

Average amount borrowed | ||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €453,735.00 | €494,173.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 5.61 % | 5.77 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 5.51 % | 6.03 % |

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

51 months | 45 months | 53 months | 50 months | 45 months | 47 months | 48 months |

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

50 months | 49 months | 48 months | 44 months | 41 months | 39 months | 45 months |

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

54 months | 43 months | 31 months | 20 months | 7 months | 1 months | 21 months |

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

54 months | 44 months | 31 months | 20 months | 7 months | 1 months | 24 months |

Capital repaid | ||||||

€10,493,960.58 | €38,186,794.07 | €55,503,730.77 | €46,879,629.78 | €18,104,342.35 | €17,868.17 | €169,186,325.73 |

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

92.68 % | 84.16 % | 64.20 % | 42.20 % | 13.86 % | 0.12 % | 42.27 % |

Interest received | ||||||

€1,412,796.20 | €4,974,532.53 | €8,392,480.87 | €7,192,824.38 | €3,683,413.66 | €3,506.84 | €25,659,554.47 |

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

91.88 % | 86.42 % | 65.46 % | 53.96 % | 23.30 % | 0.18 % | 50.09 % |

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

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

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

5.11 % | 4.40 % | 3.34 % | 2.82 % | 5.65 % | 5.52 % | 4.15 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.52 % | 5.96 % |

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

-1.31 % | -2.01 % | -2.99 % | -2.62 % | -0.35 % | -0.00 % | -1.81 % |

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

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

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

€2,168.83 | €7,230.61 | €12,730.22 | €217,785.85 | €13,028.98 | €0.00 | €252,944.49 |

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

0.02 % | 0.02 % | 0.02 % | 0.19 % | 0.01 % | 0.00 % | 0.06 % |

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

1.75 % | 0.84 % | 1.66 % | 3.14 % | 0.89 % | 0.00 % | 1.60 % |

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

€338,456.77 | €1,640,900.16 | €4,757,358.92 | €5,040,611.99 | €750,950.64 | €0.00 | €12,528,278.48 |

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

2.99 % | 3.63 % | 5.64 % | 4.45 % | 0.60 % | 0.00 % | 3.13 % |

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

8.77 % | 14.29 % | 14.92 % | 7.85 % | 0.89 % | 0.00 % | 8.13 % |

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 | |||

4.35 % | 5.88 % | 7.64 % | 5.75 % |

Capital Outstanding | |||

€40,616,996.24 | €172,779,832.20 | €17,378,035.82 | €230,774,864.20 |

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

8.13 % | 9.46 % | 14.89 % | 9.63 % |

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

8.13 % | 8.78 % | 14.61 % | 9.11 % |

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

3.28 % | 12.36 % | 16.90 % | 12.50 % |

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

3.28 % | 12.13 % | 14.79 % | 11.88 % |

* 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. ↑