Platform quality: 5 criteria
Regulation and compliance
8/8
ECSP agrément Latvijas Banka en cours de validité, conforme règlement EU 2020/1503, registre ESMA vérifié — passeport ECSP pleinement reconnu.
Track record and history
5/5
Score ajusté grâce aux données live: défaut 0.0% documenté (6/6), retard >90j 4.93% (<5%, 6/6), rendement conforme fourchette annoncée (6/6). Moyenne pondérée (0.5×6 + 0.3×6 + 0.2×6) = 6.0/6.
Project selection rigor
3/5
Processus de sélection décrit (KYC emprunteur, analyse collatéral documenté dans les projets), taux de sélection non publié — 3 pts.
Platform financial health
3/4
Score ajusté grâce aux données live: plateforme indépendante rentable en 2024 (CA 1.96M€ +22% YoY, retour à profitabilité), >5 ans d'existence (2020), agrément ECSP maintenu, aucun signal de détresse identifié — 3 pts.
Investor protection
3/3
Délai réflexion 4 jours obligatoire ECSP: 1 pt. Plan de continuité documenté (Business Continuity Plan mentionné): 1 pt. Bulletin board prévu pour marché secondaire: 1 pt.
These scores evaluate the platform as an operator, independently from individual project quality.
Methodology →
Recent news
Updated: 2026-05-03
Obtained ECSP license from Bank of Latvia in 2024, allowing EU-wide operations
As of March 2026, displays 4.93% delay rate (>6 months) and 0% loss rate
Revenue reached €1.96 million in 2024, a 22% increase over 2023
Returned to net profitability in 2024 after losses from Romanian expansion
November 2025 set records with €2.2M funded across 57 projects in one month
Operating in Latvia, Lithuania, Romania, and entered Polish market in late 2025
Total portfolio over €50M with average LTV of 44% on agricultural loans
This analysis is informational only and does not constitute investment advice. Investing via crowdlending carries a risk of partial or total capital loss. Research data is automatically refreshed monthly.
Analysed projects (2)
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BORDEI BENJAMIN ROBERT ÎNTREPRINDERE INDIVIDUALĂ Project No.32660047
CORONA AGRO SRL Project No.32638437
How is this scored?
The quality score (A1–A5) evaluates the platform as an operator: regulatory status, past performance, project selection standards, financial stability, and investor protection mechanisms. Max: 25 points.
Read the full methodology →