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Latvian Forest Development Fund — LV0000113306
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 — LV0000113306

Strong
67
score / 100
Yield
12.5%/yr
Duration
18 months
Min. ticket
—
Amount raised
200 k€
Invest →
À propos

Investment in a fractional note issued by the Latvian Forest Development Fund (LFDF), a Latvian originator active in business lending. The underlying asset is a pool of commercial loans. The note is issued via the Debitum platform, a P2P marketplace regulated in Latvia, for an amount of 200,000€ over approximately 18 months at 12.5% per annum.

Plateforme · 17.0/25
A1 · Statut réglementaire 5.0/8
  • FCMC investment licence (Latvia) obtained in September 2021
  • Recognised EU regulator, but investment licence ≠ explicit ECSP passport
  • Recognised EU equivalent → 5 points
A2 · Track Record 5.0/6bon
  • Default 0% → 6/6
  • Delay >90 days 0% → 6/6
  • Actual return vs announced return not disclosed → 0/6
  • A2 = (6×0.5)+(6×0.3)+(0×0.2) = 4.8, rounded to 5
  • Caveat: statistics cover ABS, not underlying loans
A3 · Rigueur de sélection 2.0/4

Transition to ABS model involves a structured selection process (FCMC licenced), but selection rate not published and process poorly detailed publicly → 2 points

A4 · Santé financière 3.0/4bon
  • Independent platform operational for >3 years (2021+), active in 2026, no platform distress signal identified
  • No known institutional shareholder → 3 points
A5 · Protection investisseurs 2.0/3
  • Investor protection EUR 20,000 provided by Latvian law (1 regulatory point)
  • FCMC licence implies continuity plan (1 point)
  • Secondary market or segregated escrow not confirmed → 0 points third criterion
Projet · 50.0/75
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Simple obligation at fixed rate, Latvian EU law
B1.2: 2/3 - Direct loan from LFDF, recognised EU local law, no dedicated société dédiée (SPV)
B1.3: 1/2 - Rank not formally registered, no documented senior debt
B2 · Opérateur & Track record 9.0/15
B2.1: 2/4 - LFDF entity named, managing director not identified in file
B2.2: 4/5 - Latvian NBFI licenced, outstanding amount 52M€, active since 2025, loss rate not published
B2.3: 2/3 - First repayment successful May 2025, 8M€ financed since launch
B2.4: 1/3 - LFDF balance sheet not publicly available, gearing unknown
B3 · Garanties & Sûretés 8.0/15
B3.1: 6/9 - Pool of underlying loans, no direct security on the ABS note; LFDF institution regulated by FCMC
B3.2: 2/4 - Solidity of LFDF partially documented, equity capital unknown
B3.3: 2/2 - LFDF licenced by FCMC, active financial institution >2 years, constitutes qualified institutional partner
B4 · Structure financière 11.0/15
B4.1: 4/5 - NBFI licenced, taux de couverture de la dette estimated >2.0 given outstanding amount 52M€ and strong growth
B4.2: 3/4 - LFDF equity capital not published but sound activity documented
B4.3: 2/4 - No stress test, but diversified portfolio mitigates
B4.4: 2/2 - NBFI margin structurally >5%, taux de couverture de la dette likely >2
B5 · Pré-commercialisation 6.0/10
  • Active portfolio 52M€, diversification confirmed, LFDF leader on Debitum since launch 2025
  • Short history (<2 years) but strong documented growth → 6/10
B6 · Permis & Maturité 5.0/5✓ max

Established activity, LFDF licenced by FCMC (Latvian regulator), valid licences, confirmed legal structure → 5/5

B7 · Marché & Localisation 3.0/3✓ max
  • Market for SME loans in Latvia rising: +18.6% in 2025, credit/GDP 29% (strong potential)
  • LFDF non-banking segment in growing demand → 3/3
Points forts
✓LFDF first repayment successful May 2025, initial track record positive.
✓Latvian SME loan market in strong growth (+18.6% in 2025).
✓LFDF licenced by FCMC, outstanding amount 52M€, dominant position on Debitum.
✓Rate 12.5%/annum in line with SME-NBFI standard.
✓Debitum operational platform since 2021, no platform default.
Risques identifiés
!LFDF concentration represents 86% of Debitum portfolio - high counterparty risk.
!LFDF balance sheet not published: equity capital and gearing unknown.
!Operator history very short (<2 years), resilience under stress not tested.
!Latvian GDP growth forecast at 1.4% in 2026, pressure on borrowing SMEs.
!LFDF managers not identified in available file.
Score card
Score card — Latvian Forest Development Fund — LV0000113306
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