Statistics

as of end of September 2018

Key figures

  • Total amount lent

    €0
  • Repayments to lenders

    €0
  • Interests paid back to lenders

    €0
  • Projects received and studied

    0
  • Projects accepted and funded*

    0

* 100% of the projects presented are funded, thanks to the Lendix Guarantee

Our statistics charts

  • Amounts lent by project risk band

  • Number of active lenders

  • Average number of lenders per project

  • Average amount lent per project

  • Distribution of investors

  • Breakdown of outstanding amounts

 

Our performance indicators

Calculation by: Volume*  |  Number**

General indicators
2015201620172018total
Amount lent
11 322 752,05 €45 376 453,13 €86 453 281,12 €79 823 658,43 €222 976 144,73 €
Number of projects funded
57 120 182 137 496
Average amount borrowed
198 645,00 €378 137,00 €475 018,00 €582 654,00 €449 549,00 €
Average annual borrowing interest rate*
6,26 %6,12 %6,11 %5,25 %5,81 %
Average annual borrowing interest rate**
6,51 %6,56 %6,60 %5,72 %6,34 %
Average initial duration of loan*
50 months45 months52 months50 months50 months
Average initial duration of loan**
49 months49 months48 months45 months47 months
Average age of loans*
37 months26 months14 months5 months14 months
Average age of loans**
37 months27 months14 months5 months17 months
Capital repaid
8 373 330,07 €26 949 290,45 €24 993 791,34 €6 026 732,11 €66 343 143,97 €
Share of capital repaid 1
73,95 %59,39 %28,91 %7,55 %29,75 %
Interest received
1 281 232,43 €3 977 209,62 €4 840 704,07 €1 279 420,98 €11 378 567,10 €
Share of interest received 2
80,04 %69,09 %37,76 %13,66 %38,51 %
2015201620172018total
Performance results 
2015201620172018total
Internal rate of return (net of risk) 3
5,23 %5,37 %5,41 %4,75 %5,15 %
Maximum possible internal rate of return 4
6,42 %6,40 %6,33 %5,31 %5,99 %
Effective annual cost of risk 5
-1,19 %-1,03 %-0,92 %-0,56 %-0,84 %
2015201620172018total
Incident indicators
2015201620172018total
Late capital 6
6 751,82 €25 340,83 €219 677,75 €0,00 €251 770,41 €
Late payment rate* 7
0,06 %0,06 %0,26 %0,00 %0,11 %
Late payment rate** 7
1,75 %2,52 %5,52 %0,00 %2,82 %
Defaulted capital 8
258 161,59 €796 621,40 €1 466 999,51 €941 283,70 €3 463 066,19 €
Default rate* 9
2,28 %1,76 %1,74 %1,14 %1,55 %
Default rate** 9
5,26 %8,40 %2,21 %0,72 %3,63 %
2015201620172018total

Notice

  • 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.

Default indicators

Projects grade
ABCtotal
ABCtotal
Average rate
4,57 %5,85 %8,01 %5,80 %
Still outstanding capital
33 756 889,68 €108 371 694,80 €14 662 030,56 €156 790 615,00 €
Default rate (Amount*)
0,20 %5,50 %11,44 %4,91 %
Default rate > 60 days (Amount*)
0,20 %4,23 %9,84 %3,89 %
Default rate (Number)
2,17 %6,98 %9,17 %7,02 %
Default rate > 60 days (Number)
2,17 %5,65 %7,34 %5,70 %

*net of recovery

Typical lender wallet

Portfolio of a lender having invested €per project since the creation of Lendix

Grade A
Financed projects
Including fully reimbursed projects
Average interest rate%
Average duration months
Total lent amount
Received reimbursments
Including received interests
Reimbursments to receive
Including capital to receive
Including interests to receive
Total reimbursments
Including total interests
Defaults
Defaults amount
Total potential gain excluding taxation
Grade B
Financed projects
Including fully reimbursed projects
Average interest rate%
Average duration months
Total lent amount
Received reimbursments
Including received interests
Reimbursments to receive
Including capital to receive
Including interests to receive
Total reimbursments
Including total interests
Defaults
Defaults amount
Total potential gain excluding taxation
Grade C
Financed projects
Including fully reimbursed projects
Average interest rate%
Average duration months
Total lent amount
Received reimbursments
Including received interests
Reimbursments to receive
Including capital to receive
Including interests to receive
Total reimbursments
Including total interests
Defaults
Defaults amount
Total potential gain excluding taxation
Total
Financed projects
Including fully reimbursed projects
Average interest rate%
Average duration months
Total lent amount
Received reimbursments
Including received interests
Reimbursments to receive
Including capital to receive
Including interests to receive
Total reimbursments
Including total interests
Defaults
Defaults amount
Total potential gain excluding taxation