Performance Indicators
Updated on 4 March 2026
Global indicators
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amount financed | ||||||||||||
| Number of projects | 409 | 2 | 3 | 13 | 32 | 52 | 83 | 94 | 71 | 39 | 16 | 4 |
| Nominal amount funded | €414,439,869.40 | €1,028,500.00 | €630,500.00 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €90,583,869.40 | €117,102,000.00 | €74,392,000.00 | €36,764,000.00 | €17,202,000.00 | €2,020,000.00 |
| 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 | 23 months |
| Weighted average annual rate | 10.21% | 10.00% | 10.32% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.64% | 11.43% | 11.57% | 11.23% |
| Reimbursement | ||||||||||||
| Nominal repaid | €245,848,515.85 | €1,028,500.00 | €630,500.00 | €5,066,421.00 | €20,634,300.00 | €38,144,090.37 | €61,472,497.99 | €67,040,879.03 | €35,404,396.58 | €15,005,639.88 | €1,421,291.00 | €0.00 |
| Portion of the reimbursed capital | 59.32% | 100.00% | 100.00% | 99.00% | 85.00% | 84.00% | 68.00% | 57.00% | 48.00% | 41.00% | 8.00% | 0.00% |
| Interest paid | €48,544,547.94 | €197,430.00 | €87,050.00 | €805,848.74 | €3,009,703.23 | €5,649,234.02 | €11,947,559.38 | €15,375,677.47 | €6,959,533.44 | €3,589,478.64 | €906,533.02 | €16,500.00 |
| Provisions/Losses | €30,347,784.40 | €0.00 | €0.00 | €0.00 | €1,680,000.00 | €3,481,987.29 | €11,920,523.65 | €8,398,904.65 | €4,866,368.81 | €0.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | ||||||||||||
| Number of projects | 231 | 2 | 3 | 12 | 28 | 43 | 53 | 43 | 34 | 13 | 0 | 0 |
| Nominal amount returned | €203,287,869.40 | €1,028,500.00 | €630,500.00 | €4,655,000.00 | €20,335,000.00 | €34,633,000.00 | €47,695,869.40 | €55,095,000.00 | €26,305,000.00 | €12,910,000.00 | €0.00 | €0.00 |
| Interest paid | €30,958,180.27 | €197,430.00 | €87,050.00 | €648,230.54 | €2,556,936.73 | €4,736,483.59 | €7,668,090.64 | €9,390,516.44 | €3,886,680.27 | €1,786,762.06 | €0.00 | €0.00 |
| Tracking outstanding balances | ||||||||||||
| Number of projects | 39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 19 | 16 | 4 |
| Nominal repaid | €3,019,230.88 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,597,939.88 | €1,421,291.00 | €0.00 |
| Interest paid | €2,684,799.60 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,761,766.58 | €906,533.02 | €16,500.00 |
| Nominal amount outstanding | €34,805,769.12 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €17,005,060.12 | €15,780,709.00 | €2,020,000.00 |
| Remaining interest to be paid | €5,433,346.96 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €2,385,515.98 | €2,626,322.98 | €421,508.00 |
| 0 to 6 months behind contractual schedule | ||||||||||||
| Number of projects | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 2 | 0 | 0 |
| Nominal repaid | €708,124.84 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €562,824.84 | €145,300.00 | €0.00 | €0.00 |
| Intérêts versés | €473,344.26 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €473,344.26 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €6,713,875.16 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €5,589,175.16 | €1,124,700.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,550,044.45 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,254,187.12 | €295,857.33 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | ||||||||||||
| Number of projects | 13 | 0 | 0 | 0 | 0 | 0 | 2 | 4 | 5 | 2 | 0 | 0 |
| Amount returned | €8,972,133.35 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €2,300,000.00 | €1,212,133.35 | €5,460,000.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €1,866,140.94 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €571,778.00 | €774,236.94 | €520,126.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €8,883,866.65 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €400,000.00 | €2,067,866.65 | €3,565,000.00 | €2,851,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €2,549,468.72 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €623,358.80 | €240,502.40 | €1,154,576.11 | €531,031.41 | €0.00 | €0.00 |
| Overdue more than 6 months according to the contract | ||||||||||||
| Number of projects | 12 | 0 | 0 | 0 | 0 | 0 | 1 | 6 | 2 | 3 | 0 | 0 |
| Nominal repaid | €3,066,174.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €738,000.00 | €1,292,000.00 | €683,774.00 | €352,400.00 | €0.00 | €0.00 |
| Interest paid | €2,352,002.20 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €508,911.78 | €1,196,978.42 | €605,162.00 | €40,950.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €10,108,826.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €462,000.00 | €6,103,000.00 | €2,766,226.00 | €777,600.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,772,730.62 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €40,602.74 | €992,551.88 | €487,517.52 | €252,058.48 | €0.00 | €0.00 |
| Overdue more than 6 months | ||||||||||||
| Number of projects | 69 | 0 | 0 | 0 | 0 | 7 | 19 | 26 | 17 | 0 | 0 | 0 |
| Nominal amount returned | €22,300,634.94 | €0.00 | €0.00 | €0.00 | €0.00 | €2,297,660.66 | €10,537,158.59 | €7,527,731.95 | €1,938,083.74 | €0.00 | €0.00 | €0.00 |
| Interest paid | €7,406,343.86 | €0.00 | €0.00 | €0.00 | €0.00 | €649,151.70 | €2,344,517.31 | €3,384,453.94 | €1,028,220.91 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €64,514,365.06 | €0.00 | €0.00 | €0.00 | €0.00 | €6,212,339.34 | €13,500,841.41 | €31,814,268.05 | €12,986,916.26 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €10,956,590.65 | €0.00 | €0.00 | €0.00 | €0.00 | €150,160.66 | €3,011,207.81 | €6,124,457.86 | €1,670,764.32 | €0.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | ||||||||||||
| Number of projects | 37 | 0 | 0 | 1 | 4 | 2 | 8 | 15 | 7 | 0 | 0 | 0 |
| Nominal repaid | €4,494,348.44 | €0.00 | €0.00 | €411,421.00 | €299,300.00 | €1,213,429.71 | €201,470.00 | €1,914,013.73 | €454,714.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €2,803,736.81 | €0.00 | €0.00 | €157,618.20 | €452,766.50 | €263,598.73 | €854,261.65 | €629,491.73 | €446,000.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €43,564,651.56 | €0.00 | €0.00 | €72,579.00 | €3,550,700.00 | €1,036,570.29 | €14,748,530.00 | €10,075,986.27 | €14,080,286.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,694,998.45 | €0.00 | €0.00 | €0.00 | €165,100.50 | €245,402.00 | €0.00 | €1,284,495.95 | €0.00 | €0.00 | €0.00 | €0.00 |
| Definitive loss | ||||||||||||
| Number of projects | 0 | 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 | €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 | €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 | €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 | €0.00 |
| Return rate | ||||||||||||
| Internal return rate net of risk * | 5.02% | 9.86% | 10.36% | 10.91% | 6.65% | 4.54% | 1.45% | 4.29% | 4.48% | 12.16% | 11.92% | 11.31% |
| Maximum possible internal return rate | 10.36% | 9.86% | 10.36% | 11.08% | 9.18% | 9.66% | 10.10% | 10.08% | 10.85% | 11.88% | 11.57% | 11.23% |
| Annualized risk-related cost * | 5.34% | 0.00% | 0.00% | 0.17% | 2.54% | 5.13% | 8.64% | 5.79% | 6.37% | -0.28% | -0.34% | -0.08% |
*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 4 March 2026
Global indicators
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amount financed | ||||||||||||
| Number of projects | 409 | 2 | 3 | 13 | 32 | 52 | 83 | 94 | 71 | 39 | 16 | 4 |
| Nominal amount funded | €414,439,869.40 | €1,028,500.00 | €630,500.00 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €90,583,869.40 | €117,102,000.00 | €74,392,000.00 | €36,764,000.00 | €17,202,000.00 | €2,020,000.00 |
| 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 | 23 months |
| Weighted average annual rate | 10.21% | 10.00% | 10.32% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.64% | 11.43% | 11.57% | 11.23% |
| Reimbursement | ||||||||||||
| Nominal repaid | €245,848,515.85 | €1,028,500.00 | €630,500.00 | €5,066,421.00 | €20,634,300.00 | €38,144,090.37 | €61,472,497.99 | €67,040,879.03 | €35,404,396.58 | €15,005,639.88 | €1,421,291.00 | €0.00 |
| Portion of the reimbursed capital | 59.32% | 100.00% | 100.00% | 99.00% | 85.00% | 84.00% | 68.00% | 57.00% | 48.00% | 41.00% | 8.00% | 0.00% |
| Interest paid | €48,544,547.94 | €197,430.00 | €87,050.00 | €805,848.74 | €3,009,703.23 | €5,649,234.02 | €11,947,559.38 | €15,375,677.47 | €6,959,533.44 | €3,589,478.64 | €906,533.02 | €16,500.00 |
| Provisions/Losses | €30,347,784.40 | €0.00 | €0.00 | €0.00 | €1,680,000.00 | €3,481,987.29 | €11,920,523.65 | €8,398,904.65 | €4,866,368.81 | €0.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | ||||||||||||
| Number of projects | 231 | 2 | 3 | 12 | 28 | 43 | 53 | 43 | 34 | 13 | 0 | 0 |
| Nominal amount returned | €203,287,869.40 | €1,028,500.00 | €630,500.00 | €4,655,000.00 | €20,335,000.00 | €34,633,000.00 | €47,695,869.40 | €55,095,000.00 | €26,305,000.00 | €12,910,000.00 | €0.00 | €0.00 |
| Interest paid | €30,958,180.27 | €197,430.00 | €87,050.00 | €648,230.54 | €2,556,936.73 | €4,736,483.59 | €7,668,090.64 | €9,390,516.44 | €3,886,680.27 | €1,786,762.06 | €0.00 | €0.00 |
| Tracking outstanding balances | ||||||||||||
| Number of projects | 39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 19 | 16 | 4 |
| Nominal repaid | €3,019,230.88 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,597,939.88 | €1,421,291.00 | €0.00 |
| Interest paid | €2,684,799.60 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,761,766.58 | €906,533.02 | €16,500.00 |
| Nominal amount outstanding | €34,805,769.12 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €17,005,060.12 | €15,780,709.00 | €2,020,000.00 |
| Remaining interest to be paid | €5,433,346.96 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €2,385,515.98 | €2,626,322.98 | €421,508.00 |
| 0 to 6 months behind contractual schedule | ||||||||||||
| Number of projects | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 2 | 0 | 0 |
| Nominal repaid | €708,124.84 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €562,824.84 | €145,300.00 | €0.00 | €0.00 |
| Intérêts versés | €473,344.26 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €473,344.26 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €6,713,875.16 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €5,589,175.16 | €1,124,700.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,550,044.45 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,254,187.12 | €295,857.33 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | ||||||||||||
| Number of projects | 13 | 0 | 0 | 0 | 0 | 0 | 2 | 4 | 5 | 2 | 0 | 0 |
| Amount returned | €8,972,133.35 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €2,300,000.00 | €1,212,133.35 | €5,460,000.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €1,866,140.94 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €571,778.00 | €774,236.94 | €520,126.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €8,883,866.65 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €400,000.00 | €2,067,866.65 | €3,565,000.00 | €2,851,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €2,549,468.72 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €623,358.80 | €240,502.40 | €1,154,576.11 | €531,031.41 | €0.00 | €0.00 |
| Overdue more than 6 months according to the contract | ||||||||||||
| Number of projects | 12 | 0 | 0 | 0 | 0 | 0 | 1 | 6 | 2 | 3 | 0 | 0 |
| Nominal repaid | €3,066,174.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €738,000.00 | €1,292,000.00 | €683,774.00 | €352,400.00 | €0.00 | €0.00 |
| Interest paid | €2,352,002.20 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €508,911.78 | €1,196,978.42 | €605,162.00 | €40,950.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €10,108,826.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €462,000.00 | €6,103,000.00 | €2,766,226.00 | €777,600.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,772,730.62 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €40,602.74 | €992,551.88 | €487,517.52 | €252,058.48 | €0.00 | €0.00 |
| Overdue more than 6 months | ||||||||||||
| Number of projects | 69 | 0 | 0 | 0 | 0 | 7 | 19 | 26 | 17 | 0 | 0 | 0 |
| Nominal amount returned | €22,300,634.94 | €0.00 | €0.00 | €0.00 | €0.00 | €2,297,660.66 | €10,537,158.59 | €7,527,731.95 | €1,938,083.74 | €0.00 | €0.00 | €0.00 |
| Interest paid | €7,406,343.86 | €0.00 | €0.00 | €0.00 | €0.00 | €649,151.70 | €2,344,517.31 | €3,384,453.94 | €1,028,220.91 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €64,514,365.06 | €0.00 | €0.00 | €0.00 | €0.00 | €6,212,339.34 | €13,500,841.41 | €31,814,268.05 | €12,986,916.26 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €10,956,590.65 | €0.00 | €0.00 | €0.00 | €0.00 | €150,160.66 | €3,011,207.81 | €6,124,457.86 | €1,670,764.32 | €0.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | ||||||||||||
| Number of projects | 37 | 0 | 0 | 1 | 4 | 2 | 8 | 15 | 7 | 0 | 0 | 0 |
| Nominal repaid | €4,494,348.44 | €0.00 | €0.00 | €411,421.00 | €299,300.00 | €1,213,429.71 | €201,470.00 | €1,914,013.73 | €454,714.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €2,803,736.81 | €0.00 | €0.00 | €157,618.20 | €452,766.50 | €263,598.73 | €854,261.65 | €629,491.73 | €446,000.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €43,564,651.56 | €0.00 | €0.00 | €72,579.00 | €3,550,700.00 | €1,036,570.29 | €14,748,530.00 | €10,075,986.27 | €14,080,286.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,694,998.45 | €0.00 | €0.00 | €0.00 | €165,100.50 | €245,402.00 | €0.00 | €1,284,495.95 | €0.00 | €0.00 | €0.00 | €0.00 |
| Definitive loss | ||||||||||||
| Number of projects | 0 | 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 | €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 | €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 | €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 | €0.00 |
| Return rate | ||||||||||||
| Internal return rate net of risk * | 5.02% | 9.86% | 10.36% | 10.91% | 6.65% | 4.54% | 1.45% | 4.29% | 4.48% | 12.16% | 11.92% | 11.31% |
| Maximum possible internal return rate | 10.36% | 9.86% | 10.36% | 11.08% | 9.18% | 9.66% | 10.10% | 10.08% | 10.85% | 11.88% | 11.57% | 11.23% |
| Annualized risk-related cost * | 5.34% | 0.00% | 0.00% | 0.17% | 2.54% | 5.13% | 8.64% | 5.79% | 6.37% | -0.28% | -0.34% | -0.08% |
*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 4 March 2026
Global indicators
| From calendar year 2016 | 2023 | 2024 | 2025 | 2026 | |
|---|---|---|---|---|---|
| Amount financed | |||||
| Number of projects | 36 | 2 | 14 | 18 | 2 |
| Nominal amount funded | €27,255,000.00 | €755,000.00 | €11,365,000.00 | €14,135,000.00 | €1,000,000.00 |
| Weighted average loan duration | 19 months | 15 months | 20 months | 18 months | 21 months |
| Weighted average annual rate | 11.23% | 11.46% | 11.78% | 10.74% | 11.68% |
| Reimbursement | |||||
| Nominal repaid | €3,973,843.70 | €755,000.00 | €2,260,643.70 | €958,200.00 | €0.00 |
| Portion of the reimbursed capital | 14.58% | 100.00% | 20.00% | 7.00% | 0.00% |
| Interest paid | €1,828,343.28 | €71,439.79 | €1,418,117.99 | €338,785.50 | €0.00 |
| Provisions/Losses | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2023 | 2024 | 2025 | 2026 | |
|---|---|---|---|---|---|
| Fully reimbursed | |||||
| Number of projects | 5 | 2 | 2 | 1 | 0 |
| Nominal amount returned | €1,820,000.00 | €755,000.00 | €735,000.00 | €330,000.00 | €0.00 |
| Interest paid | €158,574.75 | €71,439.79 | €61,099.46 | €26,035.50 | €0.00 |
| Tracking outstanding balances | |||||
| Number of projects | 28 | 0 | 9 | 17 | 2 |
| Nominal repaid | €1,743,843.70 | €0.00 | €1,115,643.70 | €628,200.00 | €0.00 |
| Interest paid | €1,547,005.30 | €0.00 | €1,234,255.30 | €312,750.00 | €0.00 |
| Nominal amount outstanding | €22,581,156.30 | €0.00 | €8,404,356.30 | €13,176,800.00 | €1,000,000.00 |
| Remaining interest to be paid | €2,866,428.60 | €0.00 | €690,844.96 | €1,963,083.64 | €212,500.00 |
| 0 to 6 months behind contractual schedule | |||||
| Number of projects | 0 | 0 | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Intérêts versés | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | |||||
| Number of projects | 2 | 0 | 2 | 0 | 0 |
| Amount returned | €210,000.00 | €0.00 | €210,000.00 | €0.00 | €0.00 |
| Interest paid | €13,705.70 | €0.00 | €13,705.70 | €0.00 | €0.00 |
| Outstanding nominal amount | €200,000.00 | €0.00 | €200,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €51,899.23 | €0.00 | €51,899.23 | €0.00 | €0.00 |
| Overdue more than 6 months according to the contract | |||||
| Number of projects | 1 | 0 | 1 | 0 | 0 |
| Nominal repaid | €200,000.00 | €0.00 | €200,000.00 | €0.00 | €0.00 |
| Interest paid | €109,057.53 | €0.00 | €109,057.53 | €0.00 | €0.00 |
| Outstanding nominal amount | €500,000.00 | €0.00 | €500,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €22,376.72 | €0.00 | €22,376.72 | €0.00 | €0.00 |
| Overdue more than 6 months | |||||
| Number of projects | 0 | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | |||||
| Number of projects | 0 | 0 | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Definitive loss | |||||
| Number of projects | 0 | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Nominal amount outstanding | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Return rate | |||||
| Internal return rate net of risk * | 11.43% | 11.45% | 12.14% | 10.83% | 11.73% |
| Maximum possible internal return rate | 11.25% | 11.45% | 11.85% | 10.73% | 11.68% |
| Annualized risk-related cost * | -0.17% | 0.00% | -0.29% | -0.11% | -0.05% |
*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
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TEST NOTIF
|
Jul 2026
Max - Spanish operation 03-25-2026
|
Mar 2026
|
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wallet fr
|
Mar 2026
SPAAAAIN
|
Mar 2026
|
|
Test opé consent ES
|
Feb 2026
MAJRails - Creation opé
|
Feb 2026
|
|
Proxy opérateur
|
Feb 2026
wallet es
|
Feb 2026
|
|
Esp max
|
Feb 2026
mp - Create op
|
Feb 2026
|
|
Opération parrainage 3
|
Feb 2026
Forest Hill Drive
|
Feb 2026
|
|
Test proxy 3
|
Feb 2026
Opération parrainage 2
|
Feb 2026
|
|
Test échéancier prêt
|
Feb 2026
Opé parrainage 4
|
Feb 2026
|
|
Opération campagne booster
|
Feb 2026
Spanish gem
|
Feb 2026
|
|
STAGING - Ronquillo par Ribera City Homes
|
Dec 2025
Opération immobilière Espagne
|
Nov 2025
|
|
TEST NOTIF Jul 2026 |
|
Max - Spanish operation 03-25-2026 Mar 2026 |
|
wallet fr Mar 2026 |
|
SPAAAAIN Mar 2026 |
|
Test opé consent ES Feb 2026 |
|
MAJRails - Creation opé Feb 2026 |
|
Proxy opérateur Feb 2026 |
|
wallet es Feb 2026 |
|
Esp max Feb 2026 |
|
mp - Create op Feb 2026 |
|
Opération parrainage 3 Feb 2026 |
|
Forest Hill Drive Feb 2026 |
|
Test proxy 3 Feb 2026 |
|
Opération parrainage 2 Feb 2026 |
|
Test échéancier prêt Feb 2026 |
|
Opé parrainage 4 Feb 2026 |
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Opération campagne booster Feb 2026 |
|
Spanish gem Feb 2026 |
|
STAGING - Ronquillo par Ribera City Homes Dec 2025 |
|
Opération immobilière Espagne Nov 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)