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Latvian Forest Development Fund — LV0000112688
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 — LV0000112688

Average
63
score / 100
Yield
11.0%/yr
Duration
6 months
Min. ticket
—
Amount raised
200 k€
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À propos

Fractional note on pool of professional loans originated by the Latvian Forest Development Fund (LFDF), Latvian entity. Debitum platform serves as P2P intermediary on regulated market in Latvia. Short duration of 6.5 months, rate of 11% per annum, amount of 200,000 €.

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 · 42.0/75
B1 · Instrument & Structure 7.0/10
B1.1: 5/5 - Fractional note on SME loan pool, clear Latvian law
B1.2: 1/3 - LFDF direct borrower, no dedicated société dédiée (SPV), Latvian law recognised by EU
B1.3: 1/2 - Rank not formally registered, no documented senior debt
B2 · Opérateur & Track record 8.0/15
B2.1: 2/4 - LFDF appointed, management not nominally identified in file
B2.2: 3/5 - NBFI >2 years, portfolio 52M€, documented assets
B2.3: 2/3 - First repayment cycle completed in May 2025 without incident
B2.4: 1/3 - Opaque structure flagged (Re:think P2P), inter-company transparency limited; balance sheet not provided
B3 · Garanties & Sûretés 5.0/15faible
B3.1: 2/9 - No real guarantee; loan pool without explicit collateral on this note
B3.2: 1/4 - Guarantor strength not assessable, LFDF balance sheet absent
B3.3: 2/2 - LFDF licenced by BNB/Latvijas Banka, institutional NBFI active >2 years
B4 · Structure financière 9.0/15
B4.1: 3/5 - taux de couverture de la dette not disclosed, growing NBFI; default estimate 1.5-2.0
B4.2: 2/4 - Portfolio 52M€ on Debitum, equity not verifiable
B4.3: 2/4 - No stress test, but documented activity and positive history
B4.4: 2/2 - Strong growth 2024-2025, 11% yield paid without incident
B5 · Pré-commercialisation 6.0/10
  • Documented active portfolio, diversification unknown (forestry sector only), partial history: one cycle repaid
  • Limited portfolio data → 6/10
B6 · Permis & Maturité 5.0/5✓ max

LFDF active for >2 years, legal structure validated by Latvijas Banka, operating licences valid and compliant. → 5/5

B7 · Marché & Localisation 2.0/3
  • Latvian business credit market in growth (+18.6% in 2025)
  • Contained NPL, low credit-to-GDP (29%)
  • Stagflation risks and 2026 slowdown moderate score. → 2/3
Points forts
✓First repayment cycle fully validated in May 2025 without incident.
✓LFDF licenced by Latvijas Banka, institutional NBFI status recognised.
✓Latvian SME credit market in documented strong growth (+18.6% in 2025).
✓Debitum platform: 0% default since 2019, Latvian ECSP licence.
✓11% rate within SME-NBFI norms, short duration (6 months) limiting exposure.
Risques identifiés
!Sectoral concentration in forestry very high: LFDF represents 86% of Debitum portfolio.
!Inter-company structures opaque as flagged by Re:think P2P, insufficient transparency.
!LFDF financial balance sheet not provided: guarantor solvency not assessable.
!No real guarantee on this note; underlying collateral not documented.
!Latvian GDP slowdown projected at 1.4% in 2026; possible stagflationary environment.
Score card
Score card — Latvian Forest Development Fund — LV0000112688
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