Our statistics

As of the end of february 2020.

Key figures

  • Total amount lent

    400 092 591 €
  • Repayments to lenders

    194 845 980 €
  • Interests paid back to lenders

    25 684 864 €
  • Projects received and studied

    129 034
  • Projects accepted and funded*

    812

Our charts

Amounts lent by project risk band

Number of active lenders

Average amount lent per project

Distribution of investors

Breakdown of outstanding amounts

Our performance indicators

General indicators

Performance results

Incident indicators

Default indicators**

  • 1.

    Share of borrowed capital that has already been repaid. The older the loans, the higher the share already repaid. 

  • 2.

    Share of interest due that has already been paid. The older the loans, the higher the share already paid. 

  • 3.

    The net internal rate of return represents the annual profitability of the loans, net of known losses or proven losses at the calculation date. 

  • 4.

    The maximum possible internal rate of return represents the annualised return on loans if all loans were repaid as originally scheduled. 

  • 5.

    The annual cost of risk observed represents the decrease in profitability caused by delays and payment defaults compared to the maximum possible rate of profitability. This is the difference between the maximum possible internal rate of return (4) and the net internal rate of return (3). 

  • 6.

    The overdue capital is the sum of the capital of payments less than 180 days overdue, net of recoveries. 

  • 7.

    The late payment rate represents the proportion of overdue payments of less than 180 days in relation to the borrowed capital. It is calculated as follows: – by volume: overdue capital / amount lent; – by number: number of projects overdue / number of projects financed. 

  • 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. 

  • 9.

    The default rate represents the share of capital that will never or probably never be repaid in relation to the capital borrowed. It is calculated as follows: – in volume: capital in absence / amount lent; – in number: number of projects in default / number of projects financed. 

  • 10.

    (V): Ratio of the outstanding capital of delayed loans to the total outstanding capital of the October portfolio. (N): Ratio of # of delayed loans to the total # of outstanding loans of the October portfolio. 

  • 11.

    (V): Ratio of the outstanding capital of loans with a payment delay of more than 60 days to the total outstanding capital of the October portfolio. (N): Ratio of # of loans with a payment delay of more than 60 days to the total # of outstanding loans of the October portfolio. 

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Warning:  
Lending money to SMEs presents a risk of capital loss and requires your savings to be immobilised. Do not borrow beyond your repayment capacity.

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