Statistics
Investor statistics
16016
Active investors
325
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
5 785 €
Average active investment amount Average amount invested per investor
173 595 659 €
Principal received Principal received, including principal paid from Provision fund
49 190 990 €
Interest received Interest received, including interest paid from Provision fund
Borrowers statistics
13710
Total active borrowers
4093 €
Average loan amount
67 months
Average loan term Weighted average loan term
884 €
Average income
967 €
A+ rating
872 €
A rating
896 €
B rating
815 €
C rating
985 €
C- - rating
Granted loans
Loan statistics
| Rating | Total | |||||
| Amount of issued credits | 260 516 914 € | 18 446 419 € | 76 142 387 € | 105 344 606 € | 49 420 498 € | 11 154 153 € |
| Not overdue and returned |
218 075 804 €
83.71% |
17 686 775 €
95.88% |
69 124 132 €
90.78% |
87 526 821 €
83.09% |
36 729 997 €
74.32% |
6 999 228 €
62.75% |
| Overdue |
42 300 256 €
16.24% |
759 644 €
4.12% |
6 999 509 €
9.19% |
17 748 994 €
16.85% |
12 637 184 €
25.57% |
4 154 925 €
37.25% |
| 1-30 days |
11 850 257 €
4.55% |
383 542 €
2.08% |
2 857 625 €
3.75% |
5 903 499 €
5.60% |
2 060 557 €
4.17% |
645 034 €
5.78% |
| 31-60 days |
2 484 081 €
0.95% |
63 236 €
0.34% |
399 034 €
0.52% |
1 155 644 €
1.10% |
575 694 €
1.16% |
290 474 €
2.60% |
| 61-90 days |
1 406 232 €
0.54% |
2 243 €
0.01% |
257 281 €
0.34% |
637 682 €
0.61% |
321 447 €
0.65% |
187 579 €
1.68% |
| 91-720 days |
14 238 478 €
5.47% |
274 870 €
1.49% |
2 268 023 €
2.98% |
5 667 807 €
5.38% |
3 970 135 €
8.03% |
2 057 643 €
18.45% |
| > 720 days |
12 321 208 €
4.73% |
35 753 €
0.19% |
1 217 546 €
1.60% |
4 384 362 €
4.16% |
5 709 352 €
11.55% |
974 196 €
8.73% |
| 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 €
0.07% |
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 € | 221 061 € |
| Principal received, EUR Principal received during the entire period, EUR | 6 850 € | 2 397 451 € | 8 095 532 € | 12 793 146 € | 16 591 590 € | 16 770 918 € | 22 439 749 € | 26 026 984 € | 25 591 084 € | 21 916 884 € | 15 094 441 € | 323 € |
| Principal received, % Principal received, EUR divided by Loans issued, EUR | 100.00 % | 93.48 % | 90.53 % | 89.62 % | 89.09 % | 87.88 % | 81.93 % | 69.99 % | 58.24 % | 51.46 % | 33.04 % | 0.15 % |
| 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 € | 145 713 € | 808 313 € | 1 450 034 € | 1 998 706 € | 2 296 014 € | 4 949 347 € | 11 161 746 € | 18 348 886 € | 20 676 009 € | 30 595 602 € | 220 738 € |
| >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 € | 145 712 € | 808 314 € | 1 450 034 € | 1 979 395 € | 1 797 036 € | 2 180 902 € | 4 043 537 € | 6 594 524 € | 5 511 352 € | 2 048 881 € | 0 € |
| >90 days overdue principal, % 90 days overdue principal, EUR divided by Loans issued, EUR | 0.00 % | 5.68 % | 9.04 % | 10.16 % | 10.63 % | 9.42 % | 7.96 % | 10.87 % | 15.01 % | 12.94 % | 4.48 % | 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 % | 14.67 % |
| Interest paid, EUR | 1 142 € | 1 088 424 € | 3 532 522 € | 4 997 667 € | 6 373 342 € | 5 207 210 € | 6 260 580 € | 6 615 667 € | 7 570 664 € | 5 134 167 € | 2 236 301 € | 5 € |
| Overdue interest, EUR Sum of overdue interest and late interest | 0 € | 216 524 € | 1 066 518 € | 1 582 882 € | 1 862 261 € | 1 403 932 € | 1 097 152 € | 1 262 039 € | 1 894 058 € | 1 157 937 € | 325 174 € | 0 € |
| >90 days overdue, EUR | 0 € | 216 524 € | 1 066 518 € | 1 582 882 € | 1 862 063 € | 1 390 925 € | 1 053 030 € | 1 146 652 € | 1 694 290 € | 1 025 699 € | 157 148 € | 0 € |