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Debitum is a P2P platform, or rather P2B (peer-to-business), offering financial instruments such as loan pools from various lenders.
These lending companies are carefully selected and closely monitored by Debitum Network. The platform claims to thoroughly review its candidates, accepting only 10% of them for listing their loans. Collaborating with loan originators involves additional risks for your investments, difficult to assess from your point of view. Currently, Debitum Network works with four loan originators: Chain Finance in Lithuania, Evergreen Capital in Estonia, Flexidea in Latvia, and Triple Dragon in the United Kingdom. For more information on each loan originator, visit the dedicated section in the platform's footer and select the company you're interested in.
The buyback guarantee covers the majority of loans listed on Debitum Network, provided by the loan originator. In case of debtor's payment delay of more than agreed days (usually 90), the loan originator repurchases your claim against the debtor for the remaining capital, as well as unpaid interest. Additionally, in case of repayment delay exceeding the grace period (usually 15 days), you are entitled to a penalty in addition to the interest. Therefore, the buyback guarantee covers the loan capital, accrued interest, and penalty fees in case of delay. Furthermore, all financial instruments are secured by additional guarantee, which theoretically should reduce risk compared to investments in unsecured personal loans on platforms such as Mintos, PeerBerry, or Robocash. However, despite these advantages, there are disadvantages to investing in this platform. Debitum Network generally offers loans with an interest rate of 8 to 12% and a loan term of up to two years. It is important to note that loan availability may fluctuate and there is no secondary market. As known, lower risk often entails lower returns, which should be considered when investing in P2P loans.
An asset-backed security (ABS) is a financial instrument backed by a pool of loans. Debitum has created ABS to provide investors with a fixed-income, fixed-term instrument. It is worth noting that all ABS come with a buyback guarantee, as was previously the case with loan investments. The loan pool (ABS) on Debitum always has the same characteristics. It can consist of loans categorized as factoring, commercial financing, commercial loans, or car leasing. Although the category is the same, there may be differences in maturity and nominal values (loan amount). The reason why Debitum (and many others) switched from 'loan receivables' to 'asset-backed securities' is due to the requirements of the Latvian regulatory authority. Local regulations introduced new rules for P2P lending marketplaces, requiring these companies to transition to a different investment structure offering investments in financial instruments.
The investor holds a simple fixed-rate bond. This is the most classic type of bond. It pays an interest, also called a coupon, which is permanently fixed at the time of issuance according to a predefined periodicity until maturity. A bond is a financial instrument regulated by the Financial Markets Authority (AMF).
This review is proposed by Damien Cuyala on
Débitum est une plateforme réglementée et une place de marché de type pear to buisness.
Elle est située en Lettonie, la date de sa création est en 2019, elle a été créée par 3 entrepreneurs Lettons qui se nomment Martins Libert, Donatas Juodelis et Justas Saltinis.
Cette plateforme met en relation des investisseurs avec des sociétés de crédits qui sont spécialisées dans les prêts pour des petites et moyennes entreprises qui sont situées principalement en Lettonie, au Royaume-Uni et en Pologne.
Il y a 5 émetteurs de prêts présents et actifs sur Débitum sont et un sixième émetteur qui est inactif (Prêts ukrainiens).
Flexidea LT - Site : 👆
Date de création 2017.
La société apporte des solutions de financement de factures pour les PME qui sont situées en Estonie.
Flexidea Polska PL - Site : 👆
Date de création 2022.
La société apporte des solutions de financement de factures pour les PME qui sont situées en Pologne.
Evergreen Capital ES - Site : 👆
Date de création 2013.
Prêts aux PME situées en Estonie.
Dragon UK - Site : 👆
Date de création : 2016.
Société de crédit Londonienne créée en 2016, spécialisée dans des applications mobiles qui propose des prêts adossés à des créances et dans l’industrie des jeux vidéo.
Sandbox Funding : 👆
Société de crédit privée pour petite et moyenne entreprise en Lettonie, les prêts sont principalement garantis par des hypothèques, des gages commerciaux.
La sixième société se nomme DN Funding Alpha est une société contrôlé à 100% par Debitum qui détient tous les actifs restructurés de l'emprunteur ukrainien, il y a peu d'information sur cette société.
Les prêts sont garantis par des actifs immobilisés par la banque centrale de Lettonie (Nommés ABS). En cas du dépassement du délai de prêt c'est à dire 7 jours après la fin du prêt, il y a une application d'une pénalité de 10% aux émetteurs de prêts, ils ont 90 jours maximum pour effectuer le remboursement après la fin du prêt.
Investissement minimum par prêt : 10 euros
Tous les fonds des investisseurs sont conservés séparément des fonds propres de Debitum et protégés par la loi sur le courtage en investissement. En cas d'insolvabilité, ces fonds ne sont pas accessibles par l'huissier et ne peuvent pas être utilisés pour couvrir les créances des créanciers tiers.
Il y a 83,23M€ de montant total investi sur cette plateforme et la cible est de 93,2M€ pour le mois de mars
Montant de prêts en retard de plus de 6 mois : 2.49% - actifs restructurés des emprunteurs ukrainiens
Montant de prêts en perte de définitive : 0% Taux de défaut
Chiffres clés : Bénéfice annuel 2021 (83693€) - bénéfice annuel 2022 (110487€)
Actualité de la plateforme : La plateforme dispose de la licence Européenne N.:06.06.08.728/537
Evolution du nombre de prêts totaux mensuels de la plateforme (image en histogramme)
rendement moyen : 12%
Total des intérêts payés : (Pas d'information)
Montant total investi : 83,23M€
Montants investis par les investisseurs mensuellement : 5,45M€ (Q1)
Je vais commencer les investissements sur la plateforme sur ce mois de Mars 2024 avec un objectif d'investissement de 10000 euros et ce pour avant fin 2024.
Ma stratégie est de diversifier avec les différents émetteurs de prêts avec un taux minimum d'investissement de 13%.
Je souhaite commencer mes investissements sur Sandbox Funding dans un premier temps.
The average expected yield of projects is 10%
Yields are calculated based on the projects analyzed on this site and not on all projects.
⚠️ The higher the yield, the higher the risk.
✅ Debitum has a buy back guarantee
In P2P lending A buyback guarantee is a guarantee provided by a loan originator regarding a specific loan. If repayment of that particular loan is delayed by more than a specified number of days (usually 60), then the loan originator is obligated to buy back the loan.
⚠️ Information about delays of more than 6 months is not available for Debitum
⚠️ Information on permanent losses is not available for Debitum
The minimum amount to invest is 10€.
Debitum has a very low minimum amount to invest
🌎 The financial income are taxable in the investor's country of tax residence.
In France, since January 1, 2018, income from movable capital as well as capital gains from securities sales are subject, when taxed, to a flat-rate withholding tax (PFU) of 12.8%, to which social security contributions of 17.2% are added, making a total rate of 30%.
However, you can choose, when declaring your income, for a global taxation of these income and gains at the progressive income tax rate by checking box 2OP. You may be exempted from the portion corresponding to the flat-rate withholding tax of 12.8% for income tax purposes if your reference fiscal income for year N-2 was less than €25,000 (€50,000 if you are married). When making your declaration, you have the option to maintain the choice for taxation at 30%, or to submit your capital gains to the progressive income tax rate (to which 17.2% social security contributions will be added).
➡️ Search for previous reviews of chez Debitum
A real estate crowdfunding operation involves several categories of risks:
➡️ Operational Risk: human errors, incompetence, material shortages, delivery delays, poor management, accidents on site, provider bankruptcy...
➡️ Technical Risk: unpleasant surprises during soil and foundation studies, pollution, thermal, acoustic issues...;
➡️ Administrative and Legal Risk: difficulties in obtaining a fully cleared building or development permit, administrative authorizations, Financial Completion Guarantees, Construction Insurance, or All-Risks Site insurance, compliance of sales documents, poorly assessed urban planning authorizations;
➡️ Financial Risk: poor cost analysis, budget overruns, lower profit margins, obtaining bank credit, etc.;
➡️ Commercial Risk: insufficient pre-marketing, insufficient local market study (prices, needs, location...), delays in lot sales (commercialization), neglected suspensive conditions, unfavorable market evolution, risky sales strategy, overly optimistic exit prices, etc.
Beyond the analysis of the real estate project itself, crowdfunding platforms examine the financial and operational strength of the companies participating in the operation, which also face potential risks, mainly financial.
The evaluation thus focuses on numerous criteria, including:
➡️ Legal and Financial: capital structure, ongoing disputes, income statements and financial statements, solvency, profitability, liquidity, level of equity, etc.
➡️ Operational: organizational chart, experience of the executives, history of successfully completed operations, quality of previous programs, reputation, etc.
➡️ Financial Statements: financial statements (balance sheet and income statement) of the operator must be analyzed to determine its financial health.
➡️ Fraud: The operator may file for bankruptcy fraudulently or abscond with funds, which is why guarantees on cash flows are necessary.
Even with good preparation, it is impossible to anticipate climatic events (flooding, frost, storms...), macroeconomic factors such as sudden changes in property prices or interest rates, high inflation, etc., or legislative changes (regulatory modifications, taxation changes...), or situations of war. These risks are difficult to control. It is essential that operators have taken out the necessary insurance and that sufficient financial margin is planned to cope with potential contingencies.
En dehors des risques en lien direct avec l’activité immobilière, il existe également des risques attachés au type de titre financier utilisé pour la majorité des opérations de crowdfunding immobilier, à savoir les obligations :
➡️ Risque de perte en capital : les sommes investies ne sont pas garanties et peuvent subir une perte totale ou partielle ;
➡️ Risque d’illiquidité : par défaut, la revente ou le remboursement anticipé des titres ne sont pas possibles.
➡️ Risque de rendement inférieur : en cas de difficulté, il est possible que le rendement annoncé soit plus faible que prévu. Le capital est alors préservé, mais les intérêts obligataires versés sont moindres.
➡️ Risque de modification de la durée de l'emprunt : contractuellement, la société émettrice a la possibilité de rembourser par anticipation ou de prolonger l’emprunt (prorogation de 6 mois maximum en général). Les intérêts à percevoir peuvent donc être inférieurs aux prévisions initiales ou plus importants si l’échéance de l’emprunt est reportée.
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