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Latvian Forest Development Fund — LV0000112530
DE
Debitum Business lending Financé
Ce projet est clôturé. L'analyse ci-dessous reflète les informations disponibles au moment de la souscription et n'a pas été mise à jour.

Latvian Forest Development Fund — LV0000112530

Strong
68
score / 100
Yield
11.5%/yr
Duration
9 months
Min. ticket
—
Amount raised
200 k€
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À propos

Investment in a fractional loan note issued by Latvian Forest Development Fund (LFDF), a Latvian operator active in financing loans to companies in the forest sector. The underlying asset is a pool of professional loans. Duration approximately 9 months, fixed rate 11.5% per annum, amount EUR 200,000. Debitum platform (regulated Latvian P2P marketplace).

Plateforme · 21.0/25
A1 · Statut réglementaire 8.0/8✓ max
  • Licenced by Latvijas Banka / FCMC since September 2021 under Latvian ECSP regime
  • Calibration: Lande Finance (ECSP Latvijas Banka) = 8 points
  • Equivalent status applied
A2 · Track Record 6.0/6✓ max
  • Default 0% since 2019 (6/6)
  • Delay rate 0% (6/6)
  • Non-deviating yield reported (6/6)
  • A2 = (6×0.5 + 6×0.3 + 6×0.2) = 6/6
A3 · Rigueur de sélection 2.0/4
  • Process mentioned (post-2023 improvements), no published selection rate nor detailed committee description
  • 2 points by default
A4 · Santé financière 3.0/4bon
  • Portfolio doubled in 2024, AUM €27.4M, 0% default
  • Independent platform >3 years, no distress signal
  • Concern of forestry sector concentration (March 2026) mild
A5 · Protection investisseurs 2.0/3
  • Active Latvian ECSP → 1 mandatory point (reflection period / continuity plan)
  • Buy-back guarantee at 90 days documented → 1 point (liquidity mechanism)
  • Segregated accounts not explicitly confirmed → 0 points
Projet · 47.0/75
B1 · Instrument & Structure 7.0/10
B1.1: 4/5 - Fractional note on loan pool, documented P2P structure
B1.2: 2/3 - Issuer LFDF distinct from Debitum, Latvian law recognised
B1.3: 1/2 - Rank not formally registered, no identified senior debt
B2 · Opérateur & Track record 9.0/15
B2.1: 2/4 - LFDF named, individual managers not individually identified in file
B2.2: 4/5 - Active for >2 years, 2600 ha acquired, 800 ha resold at 35% margin
B2.3: 2/3 - First note repaid in May 2025 without incident on Debitum
B2.4: 1/3 - Balance sheet and gearing not disclosed, verification of Latvian registers impossible from file
B3 · Garanties & Sûretés 8.0/15
B3.1: 5/9 - Forest collateral (2600 ha) implicit but formal security not documented in this file; joint and several guarantee assumed by fund structure
B3.2: 1/4 - LFDF equity and gearing not disclosed, partial information
B3.3: 2/2 - LFDF is the licensed NBFI borrower, active >2 years on Debitum, constitutes institutional partner
B4 · Structure financière 9.0/15
B4.1: 3/5 - taux de couverture de la dette not calculable, portfolio EUR 52M with 0% default suggests adequate coverage (1.5-2.0 estimated)
B4.2: 3/4 - Fund holds substantial own forest assets (2600 ha)
B4.3: 2/4 - No formal stress test, land Loan-to-Value (ratio prêt/valeur actif) probably <60% given 35% margin
B4.4: 1/2 - 35% margin per transaction but global taux de couverture de la dette not published
B5 · Pré-commercialisation 6.0/10
  • Active portfolio on Debitum, pool diversification not detailed
  • LFDF largest lender on platform with EUR 52M
  • Partial but growing history since February 2025
B6 · Permis & Maturité 5.0/5✓ max

Established activity >2 years, operational Latvian legal structure, LFDF licences valid confirmed by active presence on regulated Debitum marketplace

B7 · Marché & Localisation 3.0/3✓ max
  • Latvian SME market in strong recovery: non-financial loans +18.6% in 2025, growing SME demand, low NPL, credit-to-GDP 29% indicating high potential
  • Upward trend confirmed
Points forts
✓LFDF leading borrower on Debitum with EUR 52M active portfolio
✓First repayment honoured in May 2025 without incident
✓High operating margin on forest assets (35% per transaction)
✓Latvian SME market in strong growth (+18.6% in 2025)
✓Debitum platform licensed ECSP, 0% historical default
Risques identifiés
!LFDF balance sheet and gearing not disclosed in file
!Formal securities on underlying pool not explicitly documented
!High forest sector concentration, sensitive to timber cycles
!Geopolitical and stagflationary risks in Latvia flagged (2026)
!LFDF managers not individually identifiable in file
Score card
Score card — Latvian Forest Development Fund — LV0000112530
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