Statistics
Investor statistics
16023
Active investors
327
Average number of loans Average loans per investor
14.94 %
Average interest rate Return on investment it will always be lower than the interest rate
5 788 €
Average active investment amount Average amount invested per investor
177 626 353 €
Principal received Principal received, including principal paid from Provision fund
50 194 268 €
Interest received Interest received, including interest paid from Provision fund
Borrowers statistics
13711
Total active borrowers
4110 €
Average loan amount
67 months
Average loan term Weighted average loan term
887 €
Average income
969 €
A+ rating
875 €
A rating
900 €
B rating
817 €
C rating
988 €
C- - rating
Granted loans
Loan statistics
| Rating | Total | |||||
| Amount of issued credits | 264 571 070 € | 18 514 769 € | 76 660 740 € | 107 662 182 € | 50 244 276 € | 11 477 587 € |
| Not overdue and returned |
221 313 669 €
83.65% |
17 725 406 €
95.74% |
69 639 412 €
90.84% |
89 531 810 €
83.16% |
37 242 516 €
74.12% |
7 163 365 €
62.41% |
| Overdue |
43 116 547 €
16.30% |
789 363 €
4.26% |
7 002 582 €
9.13% |
18 061 581 €
16.78% |
12 948 444 €
25.77% |
4 314 223 €
37.59% |
| 1-30 days |
12 207 057 €
4.61% |
407 261 €
2.20% |
2 806 223 €
3.66% |
6 067 795 €
5.64% |
2 217 024 €
4.41% |
708 398 €
6.17% |
| 31-60 days |
2 612 907 €
0.99% |
50 687 €
0.27% |
466 265 €
0.61% |
1 267 581 €
1.18% |
572 867 €
1.14% |
255 508 €
2.23% |
| 61-90 days |
1 264 598 €
0.48% |
21 874 €
0.12% |
212 545 €
0.28% |
483 252 €
0.45% |
333 904 €
0.66% |
213 024 €
1.86% |
| 91-720 days |
14 162 346 €
5.35% |
273 809 €
1.48% |
2 255 829 €
2.94% |
5 589 710 €
5.19% |
3 961 470 €
7.88% |
2 081 529 €
18.14% |
| > 720 days |
12 869 639 €
4.86% |
35 732 €
0.19% |
1 261 721 €
1.65% |
4 653 243 €
4.32% |
5 863 179 €
11.67% |
1 055 764 €
9.20% |
| Written-off loans Loans that have been declared bad debts and written off. Personal bankruptcy and death cases. |
140 854 €
0.05% |
0 €
0.00% |
18 746 €
0.02% |
68 792 €
0.06% |
53 316 €
0.11% |
0 €
0.00% |
Performance by year
| Year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
| Loans issued, EUR Total amount lent, EUR | 6 850 € | 2 564 665 € | 8 942 047 € | 14 274 422 € | 18 624 166 € | 19 082 970 € | 27 389 096 € | 37 188 730 € | 43 939 970 € | 42 592 894 € | 45 690 043 € | 4 275 217 € |
| Principal received, EUR Principal received during the entire period, EUR | 6 850 € | 2 397 693 € | 8 097 143 € | 12 803 597 € | 16 613 855 € | 16 819 437 € | 22 582 321 € | 26 276 620 € | 25 976 395 € | 22 481 628 € | 17 426 414 € | 206 911 € |
| Principal received, % Principal received, EUR divided by Loans issued, EUR | 100.00 % | 93.49 % | 90.55 % | 89.70 % | 89.21 % | 88.14 % | 82.45 % | 70.66 % | 59.12 % | 52.78 % | 38.14 % | 4.84 % |
| Written off principal amount, EUR Loans that have been declared bad debts and written off. Personal bankruptcy and death cases. | 0 € | 21 501 € | 38 202 € | 31 243 € | 33 870 € | 16 037 € | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € |
| Written off principal amount, % Loans that have been declared bad debts and written off. Personal bankruptcy and death cases. | 0.00 % | 2.47 % | 1.30 % | 0.71 % | 0.56 % | 0.24 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Outstanding principal, EUR | 0 € | 145 471 € | 806 702 € | 1 439 582 € | 1 976 441 € | 2 247 496 € | 4 806 775 € | 10 912 111 € | 17 963 575 € | 20 111 266 € | 28 263 629 € | 4 068 307 € |
| >90 days overdue, EUR Sum of full loans. If 1 installment is 90 days overdue, the whole loan is considered to be 90 days overdue. | 0 € | 145 471 € | 806 703 € | 1 439 582 € | 1 959 679 € | 1 802 395 € | 2 167 747 € | 4 023 282 € | 6 719 368 € | 5 526 672 € | 2 441 086 € | 0 € |
| >90 days overdue principal, % 90 days overdue principal, EUR divided by Loans issued, EUR | 0.00 % | 5.67 % | 9.02 % | 10.09 % | 10.52 % | 9.45 % | 7.91 % | 10.82 % | 15.29 % | 12.98 % | 5.34 % | 0.00 % |
| Weighted average interest rate, % | 21.42 % | 19.93 % | 17.69 % | 16.99 % | 16.97 % | 15.22 % | 13.25 % | 12.04 % | 14.47 % | 15.52 % | 15.73 % | 14.64 % |
| Interest paid, EUR | 1 142 € | 1 090 067 € | 3 541 354 € | 5 019 191 € | 6 402 240 € | 5 223 549 € | 6 305 845 € | 6 709 177 € | 7 755 038 € | 5 354 270 € | 2 607 512 € | 7 390 € |
| Overdue interest, EUR Sum of overdue interest and late interest | 0 € | 218 866 € | 1 078 413 € | 1 598 578 € | 1 880 138 € | 1 427 839 € | 1 119 420 € | 1 298 736 € | 1 965 879 € | 1 241 333 € | 393 047 € | 1 629 € |
| >90 days overdue, EUR | 0 € | 218 866 € | 1 078 413 € | 1 598 578 € | 1 880 000 € | 1 415 825 € | 1 078 106 € | 1 187 928 € | 1 772 615 € | 1 123 776 € | 210 211 € | 0 € |