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This review is proposed by Damien Cuyala on
🤖 Review's summary
Project Date: September 23, 2024, 09:44:19
Global Review: After using this platform for over 8 months now, I am extremely satisfied with the functionality and organization. Fixed interest payments (on the 30th of each month), dynamic team that always responds quickly to questions directly via Telegram. Excellent management. No delays on projects and no delays in interest payments. Everything is top-notch, it's my favorite P2P platform! HIGHLY deserved rating!!
Debitum is a regulated platform and a peer-to-business marketplace.
Located in Latvia, founded in 2019 by 3 Latvian entrepreneurs named Martins Libert, Donatas Juodelis, and Justas Saltinis.
The platform connects investors with credit companies specializing in loans for small and medium enterprises primarily in Latvia, the UK, and Poland.
There are 7 active loan originators on Debitum and an eighth inactive one (Ukrainian loans).
Two new loan originators, Bono House and Foresto, joined the platform this quarter.
Loans are secured by assets immobilized by the Latvian central bank (called ABS). In case of loan overdue (7 days after the loan term), a 10% penalty is applied to loan originators, with a 90-day maximum to repay after the loan ends. The platform also introduced new loans called "Notes," representing a single borrower instead of a basket of receivables.
Minimum investment per loan: 10 euros
All investor funds are kept separate from Debitum's own funds and protected by investment brokerage law. In case of insolvency, these funds are not accessible by bailiffs and cannot be used to cover claims of third-party creditors.
Total amount invested on the platform: €100.34M
Amount of loans overdue by more than 6 months: None
Amount of loans in definitive loss: 0% Default Rate
Key Figures: Annual profit 2021 (€83,693) - annual profit 2022 (€110,487) - annual profit 2023 (€358,634)
Platform News: The platform holds European License No.: 06.06.08.728/53
Average yield: 12%
Total interest paid: (No information provided)
Total amount invested: €100.34M
Investment amounts by investors monthly: €6M (Q3)
I have an investment of €11,114 on the platform.
37 voters
👎35% 👍16% 🤷16% 🏳️32%
To vote : 
Damien Cuyala
Damien, 41 years old, I am a business manager in nuclear valves, I also have a company in the distribution of everyday products in short circuits with the credo of "made in France". I started at a young age to learn how to invest in the stock market in dividend stocks, ETFs, and from 2021 on small cap equity strategies, and recently I have been learning about options. In June 2022, I started real estate crowdfunding and I have invested a little over 73 Keuros since then, my investments are distributed across the following platforms: ClubFunding, Raizers, La Première Brique, Upstone, Baltis. I attach great importance to spending time analyzing each project before making the best decision for my investments. Finally, I also have investments in crowdlending, mainly on Lendermarket to diversify my assets as much as possible.
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