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Sandbox Funding — LV0000113785
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.

Sandbox Funding — LV0000113785

Avoid
29
score / 100
Yield
11.5%/yr
Duration
6 months
Min. ticket
—
Amount raised
100 k€
Invest →
À propos

Fractional note on a pool of loans to companies originated by Sandbox Funding (Latvia), distributed via the Debitum platform. Amount of 100,000 €, rate of 11.5% per annum, duration of approximately 6 months (October 2026 to April 2027). The file is very brief: no financial data, no guarantee and no managers documented.

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 · 12.0/75
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Fixed rate debt note, Latvian ISIN, EU law
B1.2: 2/3 - Issuing entity/société dédiée (SPV) not documented in file
B1.3: 1/2 - Ranking not registered, no known senior debt
B2 · Opérateur & Track record 2.0/15faible
B2.1: 1/4 - Named entity, no management identified
B2.2: 0/5 - No financial history provided on originator
B2.3: 0/3 - History on Debitum not documented
B2.4: 1/3 - Verification of Latvian registers not performed, caution advised
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/9 - No guarantee or buyback documented
B3.2: 0/4 - No evaluable guarantor
B3.3: 0/2 - NBFI licence of originator not verified
B4 · Structure financière 0.0/15faible
B4.1: 0/5 - taux de couverture de la dette not communicated
B4.2: 0/4 - Originator equity unknown
B4.3: 0/4 - No stress test
B4.4: 0/2 - Margin and taux de couverture de la dette not available
B5 · Pré-commercialisation 1.0/10faible

B5: 1/10 - Loan pool without portfolio data, sector not specified

B6 · Permis & Maturité 0.0/5faible

B6: 0/5 - No information on licences or legal situation of originator

B7 · Marché & Localisation 1.0/3faible
  • B7: 1/3 - Latvian non-bank credit market stable according to unverified live data
  • Modest growth
Points forts
✓Short duration of approximately 6 months, limited time exposure
✓Rate of 11.5% per annum compliant with SME-NBFI standard
✓Platform regulated in Latvia, no published default on its notes
✓Instrument identified by a Latvian ISIN (LV0000113785)
Risques identifiés
!No guarantee, joint and several guarantee or buyback documented in file
!Management and financial data of Sandbox Funding absent from file
!Sector and composition of loan pool not specified
!NBFI licence of originator not verified against Latvian registers
!Latvian market data not verified, modest credit growth
Score card
Score card — Sandbox Funding — LV0000113785
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