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Baltic Terra — LV0000112464
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.

Baltic Terra — LV0000112464

Fragile
49
score / 100
Yield
10.4%/yr
Duration
4 months
Min. ticket
—
Amount raised
200 k€
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À propos

Investment in a pool of loans to enterprises originated by Baltic Terra (Latvia), via the Debitum platform. Amount raised is 200,000 € at 10.4% per annum over 4 months. Fractional note on SME loan portfolio, Debitum internal rating A.

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 · 28.0/75 (38.0 brut, red flags −10)
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Simple obligation at fixed rate under Latvian law
B1.2: 2/3 - Direct loan originator documented, Latvian EU law
B1.3: 1/2 - Unsecured pool, no known senior debt
B2 · Opérateur & Track record 5.0/15faible
B2.1: 1/4 - Entity Baltic Terra named, no management identified
B2.2: 2/5 - Latvian originator SME, partial undocumented history
B2.3: 1/3 - First transaction on Debitum, no platform history
B2.4: 1/3 - No proceedings detected, financial statements not provided
B3 · Garanties & Sûretés 4.0/15faible
B3.1: 2/9 - Personal guarantee not notarised mentioned implicitly via pool structure
B3.2: 1/4 - Guarantor not financially evaluated, insufficient data
B3.3: 2/2 - Baltic Terra NBFI licenced in Latvia, institutional criterion satisfied
B4 · Structure financière 8.0/15
B4.1: 3/5 - taux de couverture de la dette estimated 1.5-2.0 on Latvian SME pool, partial data
B4.2: 2/4 - Originator contribution not documented, conservative assumption
B4.3: 2/4 - No stress test, short duration (4 months) partially compensates
B4.4: 1/2 - Network margin estimated within SME-NBFI norm, 10.4% rate
B5 · Pré-commercialisation 6.0/10
  • Active Latvian SME-NBFI portfolio, partial documented diversification
  • Limited history on this platform
  • Market in growth (+18.6% outstanding 2025)
B6 · Permis & Maturité 5.0/5✓ max

Established NBFI activity in Latvia, active central banking licence, legal documents in order according to originator profile

B7 · Marché & Localisation 2.0/3
  • Latvian SME lending market in convincing recovery (+18.6% 2025), credit-to-GDP 29% (low, high potential)
  • Stagflationary risks 2026 and GDP slowdown to 1.4% moderate the score
⚠ Alertes détectées · −10 pts déduits
Opérateur anonyme −10 pts

No management named or identifiable for Baltic Terra in the file - RF1 partially mitigated: entity named, but no responsible person identified.

Points forts
✓Debitum platform licenced ECSP Latvia, 0% historical default since 2019.
✓Latvian SME lending market in strong growth (+18.6% outstanding in 2025).
✓Short duration (4 months) limits credit risk exposure.
✓Rate 10.4% per annum within SME-NBFI norm, consistent with risk.
✓Baltic Terra licenced Latvian NBFI, solid regulatory framework.
Risques identifiés
!No Baltic Terra management identified in the file - partial opacity on the operator.
!Baltic Terra financial data (balance sheet, DSCR, portfolio) not provided.
!Underlying loan pool not detailed: sectoral concentration, borrower quality unknown.
!Absence of real security or formalised guarantee on this loan pool.
!Latvian GDP slowdown forecast at 1.4% in 2026, sectoral risk transport/agriculture.
Score card
Score card — Baltic Terra — LV0000112464
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