Performance Indicators
Updated on 28 February 2025
Global indicators
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Amount financed | |||||||||||
| Number of projects | 410 | 2 | 3 | 13 | 32 | 52 | 83 | 94 | 73 | 54 | 4 |
| Nominal amount funded | €410,167,869.40 | €1,028,500.00 | €630,500.00 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €90,583,869.40 | €116,362,000.00 | €75,147,000.00 | €48,329,000.00 | €3,370,000.00 |
| Weighted average loan duration | 21 months | 24 months | 18 months | 29 months | 19 months | 22 months | 21 months | 21 months | 20 months | 19 months | 22 months |
| Weighted average annual rate | 10.21% | 10.00% | 10.32% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.65% | 11.51% | 11.18% |
| Reimbursement | |||||||||||
| Nominal repaid | €200,747,759.12 | €1,028,500.00 | €630,500.00 | €5,066,421.00 | €19,974,300.00 | €37,849,098.37 | €53,578,277.67 | €52,441,696.09 | €22,399,923.07 | €7,779,042.92 | €0.00 |
| Portion of the reimbursed capital | 48.94% | 100.00% | 100.00% | 99.00% | 83.00% | 83.00% | 59.00% | 45.00% | 30.00% | 16.00% | 0.00% |
| Interest paid | €41,259,688.82 | €197,430.00 | €87,050.00 | €805,848.74 | €2,985,216.91 | €5,527,166.42 | €11,320,694.16 | €13,530,388.42 | €4,939,398.99 | €1,866,495.18 | €0.00 |
| Provisions/Losses | €44,606,772.36 | €0.00 | €0.00 | €0.00 | €0.00 | €7,085,568.63 | €18,559,053.73 | €18,402,150.00 | €560,000.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | |||||||||||
| Number of projects | 191 | 2 | 3 | 12 | 27 | 42 | 49 | 34 | 18 | 4 | 0 |
| Nominal amount returned | €165,447,869.40 | €1,028,500.00 | €630,500.00 | €4,655,000.00 | €19,675,000.00 | €33,983,000.00 | €44,840,869.40 | €46,355,000.00 | €12,080,000.00 | €2,200,000.00 | €0.00 |
| Interest paid | €23,030,054.05 | €197,430.00 | €87,050.00 | €648,230.54 | €2,498,625.41 | €4,654,139.59 | €6,661,235.28 | €6,948,357.71 | €1,190,332.47 | €144,653.05 | €0.00 |
| Tracking outstanding balances | |||||||||||
| Number of projects | 88 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 32 | 49 | 4 |
| Nominal repaid | €9,437,076.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,155,700.00 | €3,152,333.08 | €5,129,042.92 | €0.00 |
| Interest paid | €4,841,779.80 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €596,466.28 | €2,523,471.39 | €1,721,842.13 | €0.00 |
| Nominal amount outstanding | €78,035,924.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €4,546,300.00 | €32,619,666.92 | €37,499,957.08 | €3,370,000.00 |
| Remaining interest to be paid | €13,057,213.82 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,132,158.28 | €4,964,214.78 | €6,243,740.76 | €717,100.00 |
| 0 to 6 months behind contractual schedule | |||||||||||
| Number of projects | 18 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 8 | 0 | 0 |
| Nominal repaid | €7,189,231.35 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €456,672.36 | €6,732,558.99 | €0.00 | €0.00 |
| Intérêts versés | €1,558,340.85 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,140,465.85 | €417,875.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €13,040,768.65 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €9,553,327.64 | €3,487,441.01 | €0.00 | €0.00 |
| Remaining interest payable | €2,497,204.75 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,184,336.48 | €1,312,868.27 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | |||||||||||
| Number of projects | 33 | 0 | 0 | 0 | 0 | 0 | 2 | 17 | 13 | 1 | 0 |
| Amount returned | €3,130,990.88 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €208,000.00 | €2,037,959.88 | €435,031.00 | €450,000.00 | €0.00 |
| Interest paid | €3,050,786.57 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €427,328.00 | €1,815,738.44 | €807,720.13 | €0.00 | €0.00 |
| Outstanding nominal amount | €33,409,009.12 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,317,000.00 | €17,962,040.12 | €11,079,969.00 | €3,050,000.00 | €0.00 |
| Remaining interest payable | €4,680,301.90 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €182,000.00 | €2,560,409.99 | €1,418,942.32 | €518,949.59 | €0.00 |
| Overdue more than 6 months according to the contract | |||||||||||
| Number of projects | 12 | 0 | 0 | 0 | 0 | 0 | 6 | 6 | 0 | 0 | 0 |
| Nominal repaid | €3,318,992.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €3,118,992.00 | €200,000.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €2,523,983.54 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,323,408.54 | €1,200,575.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €8,946,008.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €2,731,008.00 | €6,215,000.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,698,039.96 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €824,652.90 | €873,387.06 | €0.00 | €0.00 | €0.00 |
| Overdue more than 6 months | |||||||||||
| Number of projects | 43 | 0 | 0 | 0 | 0 | 9 | 19 | 14 | 1 | 0 | 0 |
| Nominal amount returned | €10,431,227.64 | €0.00 | €0.00 | €0.00 | €0.00 | €3,774,431.37 | €5,208,946.27 | €1,447,850.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €4,414,370.15 | €0.00 | €0.00 | €0.00 | €0.00 | €782,967.83 | €2,054,460.69 | €1,576,941.63 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €44,606,772.36 | €0.00 | €0.00 | €0.00 | €0.00 | €7,085,568.63 | €18,559,053.73 | €18,402,150.00 | €560,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €3,879,428.89 | €0.00 | €0.00 | €0.00 | €0.00 | €93,460.66 | €1,332,611.26 | €2,453,356.97 | €0.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | |||||||||||
| Number of projects | 25 | 0 | 0 | 1 | 5 | 1 | 7 | 10 | 1 | 0 | 0 |
| Nominal repaid | €1,792,371.85 | €0.00 | €0.00 | €411,421.00 | €299,300.00 | €91,667.00 | €201,470.00 | €788,513.85 | €0.00 | €0.00 | €0.00 |
| Interest paid | €1,840,373.86 | €0.00 | €0.00 | €157,618.20 | €486,591.50 | €90,059.00 | €854,261.65 | €251,843.51 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €31,381,628.15 | €0.00 | €0.00 | €72,579.00 | €4,210,700.00 | €458,333.00 | €14,398,530.00 | €7,241,486.15 | €5,000,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €2,680,731.80 | €0.00 | €0.00 | €0.00 | €195,100.50 | €245,402.00 | €234,641.10 | €1,180,588.20 | €825,000.00 | €0.00 | €0.00 |
| Definitive loss | |||||||||||
| Number of projects | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Nominal amount outstanding | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Return rate | |||||||||||
| Internal return rate net of risk * | 6.79% | 9.86% | 10.36% | 10.93% | 6.51% | 4.17% | 1.57% | 7.28% | 9.99% | 12.19% | 11.18% |
| Maximum possible internal return rate | 10.38% | 9.86% | 10.36% | 11.08% | 9.42% | 9.75% | 10.07% | 10.03% | 10.86% | 12.02% | 11.18% |
| Annualized risk-related cost * | 3.59% | 0.00% | 0.00% | 0.15% | 2.91% | 5.58% | 8.50% | 2.75% | 0.87% | -0.17% | 0.00% |
*The internal rate of return net of risk for loans more than six months in arrears and/or in receivership is calculated on the basis of the following considerations:
- In the case of security interests (mortgages and security trusts), we assume repayment at 75% of the value of the remaining lots or cost price where no valuation is available. This discount corresponds to a possible reduction in the sale price in the context of an auction or private treaty sale, including legal and advisory fees.
- In the case of marketed lots (compromises signed) for an amount greater than the outstanding capital, Raizers considers that recovery will be at 100% of the outstanding capital.
- In the absence of a security interest, Raizers does not anticipate any additional cash flows.
The cost of risk presented is particularly pessimistic in view of the significant discounts and the absence of interest payments in the calculation for all cases more than six months overdue and/or in receivership.
Updated on 20 January 2025
Global indicators
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Amount financed | ||||||||||
| Number of projects | 390 | 2 | 3 | 13 | 32 | 52 | 83 | 94 | 71 | 40 |
| Nominal amount funded | €396,342,869.00 | €1,028,500.00 | €630,500.00 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €91,863,869.00 | €116,427,000.00 | €74,392,000.00 | €37,284,000.00 |
| Weighted average loan duration | 20 months | 24 months | 18 months | 29 months | 19 months | 22 months | 21 months | 21 months | 20 months | 19 months |
| Weighted average annual rate | 10.10% | 10.00% | 10.32% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.64% | 11.42% |
| Reimbursement | ||||||||||
| Nominal repaid | €194,579,519.61 | €1,028,500.00 | €630,500.00 | €5,066,421.00 | €19,973,760.00 | €37,849,098.37 | €52,677,750.78 | €51,736,545.45 | €20,329,466.83 | €5,287,477.18 |
| Portion of the reimbursed capital | 42.56% | 100.00% | 100.00% | 99.00% | 83.00% | 83.00% | 57.00% | 44.00% | 27.00% | 14.00% |
| Interest paid | €41,172,323.46 | €197,430.00 | €87,050.00 | €805,848.74 | €2,985,216.91 | €5,527,166.42 | €12,090,420.19 | €13,386,666.09 | €4,750,215.98 | €1,342,309.13 |
| Provisions/Losses | €44,532,374.91 | €0.00 | €0.00 | €0.00 | €0.00 | €7,085,568.63 | €19,089,854.59 | €18,356,951.69 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | ||||||||||
| Number of projects | 183 | 2 | 3 | 12 | 27 | 42 | 49 | 33 | 14 | 1 |
| Nominal amount returned | €159,790,119.06 | €1,028,500.00 | €630,500.00 | €4,655,000.00 | €19,674,460.00 | €33,983,000.00 | €44,071,143.37 | €45,162,515.69 | €9,985,000.00 | €600,000.00 |
| Interest paid | €23,245,670.60 | €197,430.00 | €87,050.00 | €648,230.54 | €2,498,625.41 | €4,654,139.59 | €7,430,961.31 | €6,801,444.98 | €904,748.77 | €23,040.00 |
| Tracking outstanding balances | ||||||||||
| Number of projects | 84 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 40 | 38 |
| Nominal repaid | €10,246,120.11 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,973,395.09 | €3,585,247.84 | €4,687,477.18 |
| Interest paid | €5,137,148.76 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €870,145.26 | €2,947,734.37 | €1,319,269.13 |
| Nominal amount outstanding | €74,566,879.89 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €8,008,604.91 | €38,061,752.16 | €28,496,522.82 |
| Remaining interest to be paid | €11,617,177.11 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,588,196.60 | €5,631,194.62 | €4,397,785.89 |
| 0 to 6 months behind contractual schedule | ||||||||||
| Number of projects | 17 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 7 | 0 |
| Nominal repaid | €1,564,141.76 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €285,922.77 | €1,278,218.99 | €0.00 |
| Intérêts versés | €1,408,115.44 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,143,365.44 | €264,750.00 | €0.00 |
| Outstanding nominal amount | €12,775,858.24 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €7,694,077.23 | €5,081,781.01 | €0.00 |
| Remaining interest payable | €1,822,380.47 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €809,725.43 | €1,012,655.04 | €0.00 |
| 0 to 6 months behind schedule | ||||||||||
| Number of projects | 33 | 0 | 0 | 0 | 0 | 0 | 3 | 19 | 10 | 1 |
| Amount returned | €7,972,149.74 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €208,000.00 | €2,283,149.74 | €5,481,000.00 | €0.00 |
| Interest paid | €3,368,934.14 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €792,713.21 | €1,943,238.09 | €632,982.84 | €0.00 |
| Outstanding nominal amount | €36,822,850.26 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €3,117,000.00 | €19,286,850.26 | €10,919,000.00 | €3,500,000.00 |
| Remaining interest payable | €5,640,344.43 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €342,481.65 | €2,850,425.22 | €1,992,437.56 | €455,000.00 |
| Overdue more than 6 months according to the contract | ||||||||||
| Number of projects | 9 | 0 | 0 | 0 | 0 | 0 | 5 | 4 | 0 | 0 |
| Nominal repaid | €2,118,992.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €2,118,992.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €2,139,983.54 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,183,408.54 | €956,575.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €6,696,008.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €2,331,008.00 | €4,365,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €851,357.25 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €442,548.71 | €408,808.54 | €0.00 | €0.00 |
| Overdue more than 6 months | ||||||||||
| Number of projects | 41 | 0 | 0 | 0 | 0 | 9 | 19 | 13 | 0 | 0 |
| Nominal amount returned | €7,595,625.09 | €0.00 | €0.00 | €0.00 | €0.00 | €3,774,431.37 | €2,578,145.41 | €1,243,048.31 | €0.00 | €0.00 |
| Interest paid | €3,625,127.98 | €0.00 | €0.00 | €0.00 | €0.00 | €782,967.83 | €1,371,416.83 | €1,470,743.32 | €0.00 | €0.00 |
| Outstanding nominal amount | €44,532,374.91 | €0.00 | €0.00 | €0.00 | €0.00 | €7,085,568.63 | €19,089,854.59 | €18,356,951.69 | €0.00 | €0.00 |
| Remaining interest payable | €3,996,655.14 | €0.00 | €0.00 | €0.00 | €0.00 | €130,160.66 | €1,478,883.83 | €2,387,610.65 | €0.00 | €0.00 |
| Bankruptcy proceedings | ||||||||||
| Number of projects | 23 | 0 | 0 | 1 | 5 | 1 | 7 | 9 | 0 | 0 |
| Nominal repaid | €5,292,371.85 | €0.00 | €0.00 | €411,421.00 | €299,300.00 | €91,667.00 | €3,701,470.00 | €788,513.85 | €0.00 | €0.00 |
| Interest paid | €2,247,343.00 | €0.00 | €0.00 | €157,618.20 | €486,591.50 | €90,059.00 | €1,311,920.30 | €201,154.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €24,261,628.15 | €0.00 | €0.00 | €72,579.00 | €4,210,700.00 | €458,333.00 | €12,598,530.00 | €6,921,486.15 | €0.00 | €0.00 |
| Remaining interest payable | €1,702,539.47 | €0.00 | €0.00 | €0.00 | €195,100.50 | €245,402.00 | €100,000.00 | €1,162,036.97 | €0.00 | €0.00 |
| Definitive loss | ||||||||||
| Number of projects | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Nominal amount outstanding | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Return rate | ||||||||||
| Internal return rate net of risk * | 8.58% | 9.86% | 10.36% | 10.93% | 6.51% | 4.19% | 1.38% | 7.23% | 15.02% | 11.73% |
| Maximum possible internal return rate | 10.39% | 9.86% | 10.36% | 11.08% | 9.41% | 9.75% | 10.07% | 10.03% | 10.86% | 12.07% |
| Annualized risk-related cost * | 1.81% | 0.00% | 0.00% | 0.15% | 2.91% | 5.56% | 8.69% | 2.80% | -4.16% | 0.34% |
*The internal rate of return net of risk for loans more than six months in arrears and/or in receivership is calculated on the basis of the following considerations:
- In the case of security interests (mortgages and security trusts), we assume repayment at 75% of the value of the remaining lots or cost price where no valuation is available. This discount corresponds to a possible reduction in the sale price in the context of an auction or private treaty sale, including legal and advisory fees.
- In the case of marketed lots (compromises signed) for an amount greater than the outstanding capital, Raizers considers that recovery will be at 100% of the outstanding capital.
- In the absence of a security interest, Raizers does not anticipate any additional cash flows.
The cost of risk presented is particularly pessimistic in view of the significant discounts and the absence of interest payments in the calculation for all cases more than six months overdue and/or in receivership.
Updated on 3 January 2025
Global indicators
| From calendar year 2016 | 2023 | 2024 | |
|---|---|---|---|
| Amount financed | |||
| Number of projects | 15 | 2 | 13 |
| Nominal amount funded | €11,470,000.00 | €755,000.00 | €10,715,000.00 |
| Weighted average loan duration | 20 months | 15 months | 20 months |
| Weighted average annual rate | 10.10% | 11.46% | 11.83% |
| Reimbursement | |||
| Nominal repaid | €955,000.00 | €755,000.00 | €200,000.00 |
| Portion of the reimbursed capital | 42.56% | 100.00% | 2.00% |
| Interest paid | €345,039.79 | €71,439.79 | €273,600.00 |
| Provisions/Losses | €0.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2023 | 2024 | |
|---|---|---|---|
| Fully reimbursed | |||
| Number of projects | 2 | 2 | 0 |
| Nominal amount returned | €755,000.00 | €755,000.00 | €0.00 |
| Interest paid | €71,439.79 | €71,439.79 | €0.00 |
| Tracking outstanding balances | |||
| Number of projects | 13 | 0 | 13 |
| Nominal repaid | €200,000.00 | €0.00 | €200,000.00 |
| Interest paid | €273,600.00 | €0.00 | €273,600.00 |
| Nominal amount outstanding | €10,515,000.00 | €0.00 | €10,515,000.00 |
| Remaining interest to be paid | €1,896,737.67 | €0.00 | €1,896,737.67 |
| 0 to 6 months behind contractual schedule | |||
| Number of projects | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 |
| Intérêts versés | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | |||
| Number of projects | 0 | 0 | 0 |
| Amount returned | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 |
| Overdue more than 6 months according to the contract | |||
| Number of projects | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 |
| Overdue more than 6 months | |||
| Number of projects | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | |||
| Number of projects | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 |
| Definitive loss | |||
| Number of projects | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 |
| Nominal amount outstanding | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 |
| Return rate | |||
| Internal return rate net of risk * | 11.77% | 11.45% | 12.09% |
| Maximum possible internal return rate | 11.64% | 11.45% | 11.83% |
| Annualized risk-related cost * | -0.14% | 0.00% | -0.27% |
*The internal rate of return net of risk for loans more than six months in arrears and/or in receivership is calculated on the basis of the following considerations:
- In the case of security interests (mortgages and security trusts), we assume repayment at 75% of the value of the remaining lots or cost price where no valuation is available. This discount corresponds to a possible reduction in the sale price in the context of an auction or private treaty sale, including legal and advisory fees.
- In the case of marketed lots (compromises signed) for an amount greater than the outstanding capital, Raizers considers that recovery will be at 100% of the outstanding capital.
- In the absence of a security interest, Raizers does not anticipate any additional cash flows.
The cost of risk presented is particularly pessimistic in view of the significant discounts and the absence of interest payments in the calculation for all cases more than six months overdue and/or in receivership.
Updated on 13 June 2022
Performance indicators for equities operations
|
From calendar year 2015 |
2015 | 2016 | 2017 | 2018 | 2019 | |
|---|---|---|---|---|---|---|
| Share issue | ||||||
| Amount raised | €13,911,575.00 | €1,607,374.00 | €3,515,730.00 | €6,624,662.00 | €1,463,158.00 | €700,651.00 |
| Number of projects funded | 31 | 7 | 7 | 10 | 5 | 2 |
| Average amount raised | €448,760.00 | €229,625.00 | €502,247.00 | €662,466.00 | €292,632.00 | €350,326.00 |
| % innovation | 47.00% | 34.00% | 22.00% | 54.00% | 67.00% | 100.00% |
| % traditional sector | 52.00% | 66.00% | 78.00% | 46.00% | 33.00% | 0.00% |
| Number of positive exits | 5 | 3 | 1 | 1 | 0 | 0 |
| Number of defaults | 7 | 1 | 4 | 2 | 0 | 0 |
| Average duration of collects | 102 months | 0 months | 0 months | 0 months | 0 months | 0 months |
| Average investment per operation | €11,402.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
Health indicators of the operations
|
TEST NOTIF
|
Jul 2026
Test ventil
|
May 2025
|
|
Prêt in-fine
|
Apr 2025
Immeuble Paris 1er
|
Apr 2025
|
|
Ultra premium not bugged
|
Apr 2025
10 souscriptions
|
Apr 2025
|
|
Paris 5
|
Mar 2025
spacious farm
|
Mar 2025
|
|
Coucoutest
|
Mar 2025
notificationparrainage
|
Mar 2025
|
|
Bien immo random (souscription + annulation)
|
Mar 2025
test rapide remboursements 2
|
Mar 2025
|
|
Test rapide des remboursements
|
Mar 2025
Opération redactor
|
Mar 2025
|
|
Mobile test
|
Feb 2025
Paris paris
|
Feb 2025
|
|
Cité jardin
|
Feb 2025
Corps de ferme
|
Feb 2025
|
|
TRIO CHF
|
Feb 2025
Bordeaux
|
Feb 2025
|
|
TEST NOTIF Jul 2026 |
|
Test ventil May 2025 |
|
Prêt in-fine Apr 2025 |
|
Immeuble Paris 1er Apr 2025 |
|
Ultra premium not bugged Apr 2025 |
|
10 souscriptions Apr 2025 |
|
Paris 5 Mar 2025 |
|
spacious farm Mar 2025 |
|
Coucoutest Mar 2025 |
|
notificationparrainage Mar 2025 |
|
Bien immo random (souscription + annulation) Mar 2025 |
|
test rapide remboursements 2 Mar 2025 |
|
Test rapide des remboursements Mar 2025 |
|
Opération redactor Mar 2025 |
|
Mobile test Feb 2025 |
|
Paris paris Feb 2025 |
|
Cité jardin Feb 2025 |
|
Corps de ferme Feb 2025 |
|
TRIO CHF Feb 2025 |
|
Bordeaux Feb 2025 |
Refunded operation
Contractual deferral of repayment due to delay in meeting the initial deadline or delay in relation to the already postponed deadline
Delay of more than 6 months, collective proceedings (project company and/or promoter) or early repayment.
No default or event
Proven partial or total loss (capital)