Debitum | Crowdlending Platform Review

About Debitum

Debitum is a crowdlending marketplace based in Latvia and ECSP-licensed by the Bank of Latvia, operating under a European passport. The platform focuses on financing SMEs across Europe, particularly through short-term loans, invoice financing, and business credit in the Baltic states, Central Europe, and Western Europe. Debitum collaborates with local loan originators who select and manage loan files. Investors finance a diversified portfolio of commercial receivables, with target returns typically ranging between 8% and 12%. The platform is accessible to investors across the EU and offers a secondary market allowing investors to resell their positions before maturity. It is designed for investors seeking pan-European diversification in business credit.

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Platform quality: 5 criteria

Regulation and compliance

5/8

Régulée par la FCMC de Lettonie sous MiFID II, mais absence d'agrément AMF ou ECSP ESMA tier 1. Agrément équivalent UE reconnu (statut confirmé Lettonie).

Track record and history

4/5

Score ajusté grâce aux données live: Défaut 0% (6pts) × 0.5 + Retard 3% (6pts) × 0.3 + Rendement N/C (3pts) × 0.2 − pénalité opacité (−0.5pt) = 4.6/6. Aucune perte définitive publiée, 3% en recouvrement, 97% performants.

Project selection rigor

2/5

Processus de sélection mentionné (originateurs partenaires, KYC emprunteurs), mais pas de taux de sélection publié ni description détaillée du comité d'analyse.

Platform financial health

2/4

Score ajusté grâce aux données live: Rentabilité atteinte en 2025 après années de pertes. AUM €135.5M (juin 2025), FP €758K. Croissance saine mais capitaux propres faibles. Risque survie plateforme modéré.

Investor protection

1/3

Régulation MiFID II impose délai réflexion et plan continuité (1pt). Garantie rachat originateur documentée (0.5pt). Pas de marché secondaire opérationnel identifié.

These scores evaluate the platform as an operator, independently from individual project quality. Methodology →

CrowdRevolt

Limited mentions found; P2PEmpire and Rethink-P2P provide critical analyses noting concentration risk in Valmiera forestry ecosystem, historical ICO concerns (DEB token), and 3% non-performing portfolio as of April 2026

CrowdRevolt is a community initiative grouping investors to collectively demand action from platforms following losses or significant delays.