Performance Indicators
Updated on 3 November 2025
Global indicators
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Amount financed | |||||||||
| Number of projects | 436 | 13 | 32 | 52 | 83 | 94 | 73 | 53 | 31 |
| Nominal amount funded | €436,684,869.40 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €90,583,869.40 | €117,102,000.00 | €75,147,000.00 | €48,129,000.00 | €29,347,000.00 |
| Weighted average loan duration | 21 months | 29 months | 19 months | 22 months | 21 months | 21 months | 20 months | 19 months | 20 months |
| Weighted average annual rate | 10.26% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.65% | 11.51% | 11.18% |
| Reimbursement | |||||||||
| Nominal repaid | €236,925,018.10 | €5,066,421.00 | €20,634,300.00 | €38,144,090.37 | €57,960,880.58 | €65,595,474.12 | €33,614,290.58 | €13,105,911.45 | €1,144,650.00 |
| Portion of the reimbursed capital | 54.26% | 99.00% | 85.00% | 84.00% | 64.00% | 56.00% | 45.00% | 27.00% | 4.00% |
| Interest paid | €47,925,877.07 | €805,848.74 | €3,009,703.23 | €5,649,234.02 | €11,947,559.38 | €15,153,979.16 | €6,771,422.96 | €3,501,462.46 | €802,187.12 |
| Provisions/Losses | €29,932,946.50 | €0.00 | €1,630,000.00 | €3,481,987.29 | €12,020,523.65 | €8,063,106.56 | €4,737,329.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | |||||||||
| Number of projects | 229 | 12 | 28 | 43 | 53 | 41 | 34 | 13 | 0 |
| Nominal amount returned | €197,517,869.40 | €4,655,000.00 | €20,335,000.00 | €34,633,000.00 | €47,695,869.40 | €53,495,000.00 | €25,170,000.00 | €9,875,000.00 | €0.00 |
| Interest paid | €29,446,080.95 | €648,230.54 | €2,556,936.73 | €4,736,483.59 | €7,668,090.64 | €8,808,818.13 | €3,628,609.06 | €1,114,432.26 | €0.00 |
| Tracking outstanding balances | |||||||||
| Number of projects | 72 | 0 | 0 | 0 | 0 | 0 | 7 | 34 | 31 |
| Nominal repaid | €2,892,202.66 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €562,824.84 | €1,184,727.82 | €1,144,650.00 |
| Interest paid | €3,472,948.63 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €520,985.99 | €2,149,775.52 | €802,187.12 |
| Nominal amount outstanding | €68,108,797.34 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €10,387,175.16 | €29,519,272.18 | €28,202,350.00 |
| Remaining interest to be paid | €10,753,335.70 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,596,233.38 | €4,415,853.12 | €4,741,249.20 |
| 0 to 6 months behind contractual schedule | |||||||||
| Number of projects | 10 | 0 | 0 | 0 | 0 | 2 | 6 | 2 | 0 |
| Nominal repaid | €5,633,968.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €5,488,668.00 | €145,300.00 | €0.00 |
| Intérêts versés | €1,332,069.50 | €0.00 | €0.00 | €0.00 | €0.00 | €448,292.50 | €883,777.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €10,108,032.00 | €0.00 | €0.00 | €0.00 | €0.00 | €3,250,000.00 | €6,113,332.00 | €744,700.00 | €0.00 |
| Remaining interest payable | €2,131,516.48 | €0.00 | €0.00 | €0.00 | €0.00 | €133,698.63 | €1,813,326.29 | €184,491.56 | €0.00 |
| 0 to 6 months behind schedule | |||||||||
| Number of projects | 22 | 0 | 0 | 0 | 1 | 6 | 12 | 3 | 0 |
| Amount returned | €5,665,567.37 | €0.00 | €0.00 | €0.00 | €1,300,000.00 | €750,000.00 | €1,817,083.74 | €1,798,483.63 | €0.00 |
| Interest paid | €2,534,412.06 | €0.00 | €0.00 | €0.00 | €431,778.00 | €1,071,298.60 | €794,080.78 | €237,254.68 | €0.00 |
| Outstanding nominal amount | €20,316,432.63 | €0.00 | €0.00 | €0.00 | €0.00 | €7,617,000.00 | €8,087,916.26 | €4,611,516.37 | €0.00 |
| Remaining interest payable | €3,238,853.94 | €0.00 | €0.00 | €0.00 | €190,000.00 | €738,152.56 | €1,352,405.87 | €958,295.51 | €0.00 |
| Overdue more than 6 months according to the contract | |||||||||
| Number of projects | 13 | 0 | 0 | 0 | 2 | 9 | 1 | 1 | 0 |
| Nominal repaid | €4,269,083.35 | €0.00 | €0.00 | €0.00 | €1,000,000.00 | €3,166,683.35 | €0.00 | €102,400.00 | €0.00 |
| Interest paid | €2,252,089.64 | €0.00 | €0.00 | €0.00 | €648,911.78 | €1,339,347.86 | €263,830.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €7,590,916.65 | €0.00 | €0.00 | €0.00 | €1,600,000.00 | €4,093,316.65 | €1,750,000.00 | €147,600.00 | €0.00 |
| Remaining interest payable | €1,968,541.03 | €0.00 | €0.00 | €0.00 | €473,961.54 | €1,151,222.52 | €306,081.52 | €37,275.45 | €0.00 |
| Overdue more than 6 months | |||||||||
| Number of projects | 54 | 0 | 0 | 7 | 19 | 21 | 7 | 0 | 0 |
| Nominal amount returned | €16,451,978.88 | €0.00 | €0.00 | €2,297,660.66 | €7,763,541.18 | €6,269,777.04 | €121,000.00 | €0.00 | €0.00 |
| Interest paid | €6,084,539.48 | €0.00 | €0.00 | €649,151.70 | €2,344,517.31 | €2,856,730.34 | €234,140.13 | €0.00 | €0.00 |
| Outstanding nominal amount | €55,071,021.12 | €0.00 | €0.00 | €6,212,339.34 | €16,274,458.82 | €26,470,222.96 | €6,114,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €9,167,260.24 | €0.00 | €0.00 | €350,577.60 | €2,808,143.10 | €5,181,971.00 | €826,568.54 | €0.00 | €0.00 |
| Bankruptcy proceedings | |||||||||
| Number of projects | 36 | 1 | 4 | 2 | 8 | 15 | 6 | 0 | 0 |
| Nominal repaid | €4,494,348.44 | €411,421.00 | €299,300.00 | €1,213,429.71 | €201,470.00 | €1,914,013.73 | €454,714.00 | €0.00 | €0.00 |
| Interest paid | €2,803,736.81 | €157,618.20 | €452,766.50 | €263,598.73 | €854,261.65 | €629,491.73 | €446,000.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €38,564,651.56 | €72,579.00 | €3,550,700.00 | €1,036,570.29 | €14,748,530.00 | €10,075,986.27 | €9,080,286.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,694,998.45 | €0.00 | €165,100.50 | €245,402.00 | €0.00 | €1,284,495.95 | €0.00 | €0.00 | €0.00 |
| Definitive loss | |||||||||
| Number of projects | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Nominal amount outstanding | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Return rate | |||||||||
| Internal return rate net of risk * | 5.55% | 10.93% | 6.54% | 4.64% | 1.35% | 4.50% | 5.43% | 12.21% | 11.43% |
| Maximum possible internal return rate | 10.44% | 11.08% | 9.18% | 9.66% | 10.10% | 10.07% | 10.90% | 12.08% | 11.18% |
| Annualized risk-related cost * | 4.89% | 0.15% | 2.64% | 5.02% | 8.75% | 5.57% | 5.47% | -0.13% | -0.25% |
*The internal rate of return net of risk for loans more than six months in arrears and/or in receivership is calculated on the basis of the following considerations:
- In the case of security interests (mortgages and security trusts), we assume repayment at 75% of the value of the remaining lots or cost price where no valuation is available. This discount corresponds to a possible reduction in the sale price in the context of an auction or private treaty sale, including legal and advisory fees.
- In the case of marketed lots (compromises signed) for an amount greater than the outstanding capital, Raizers considers that recovery will be at 100% of the outstanding capital.
- In the absence of a security interest, Raizers does not anticipate any additional cash flows.
The cost of risk presented is particularly pessimistic in view of the significant discounts and the absence of interest payments in the calculation for all cases more than six months overdue and/or in receivership.
Updated on 3 November 2025
Global indicators
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Amount financed | |||||||||
| Number of projects | 404 | 13 | 32 | 52 | 83 | 94 | 71 | 39 | 15 |
| Nominal amount funded | €411,969,869.40 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €90,583,869.40 | €117,102,000.00 | €74,392,000.00 | €36,764,000.00 | €16,752,000.00 |
| Weighted average loan duration | 21 months | 29 months | 19 months | 22 months | 21 months | 21 months | 20 months | 19 months | 22 months |
| Weighted average annual rate | 10.21% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.64% | 11.43% | 11.56% |
| Reimbursement | |||||||||
| Nominal repaid | €234,497,868.10 | €5,066,421.00 | €20,634,300.00 | €38,144,090.37 | €57,960,880.58 | €65,595,474.12 | €32,859,290.58 | €11,660,911.45 | €917,500.00 |
| Portion of the reimbursed capital | 56.92% | 99.00% | 85.00% | 84.00% | 64.00% | 56.00% | 44.00% | 32.00% | 5.00% |
| Interest paid | €46,763,994.45 | €805,848.74 | €3,009,703.23 | €5,649,234.02 | €11,947,559.38 | €15,153,979.16 | €6,699,983.17 | €2,723,769.63 | €489,437.12 |
| Provisions/Losses | €29,932,946.50 | €0.00 | €1,630,000.00 | €3,481,987.29 | €12,020,523.65 | €8,063,106.56 | €4,737,329.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | |||||||||
| Number of projects | 225 | 12 | 28 | 43 | 53 | 41 | 32 | 11 | 0 |
| Nominal amount returned | €196,027,869.40 | €4,655,000.00 | €20,335,000.00 | €34,633,000.00 | €47,695,869.40 | €53,495,000.00 | €24,415,000.00 | €9,140,000.00 | €0.00 |
| Interest paid | €29,313,541.70 | €648,230.54 | €2,556,936.73 | €4,736,483.59 | €7,668,090.64 | €8,808,818.13 | €3,557,169.27 | €1,053,332.80 | €0.00 |
| Tracking outstanding balances | |||||||||
| Number of projects | 45 | 0 | 0 | 0 | 0 | 0 | 7 | 23 | 15 |
| Nominal repaid | €2,165,052.66 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €562,824.84 | €684,727.82 | €917,500.00 |
| Interest paid | €2,457,310.96 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €520,985.99 | €1,446,887.85 | €489,437.12 |
| Nominal amount outstanding | €45,820,947.34 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €10,387,175.16 | €19,599,272.18 | €15,834,500.00 |
| Remaining interest to be paid | €7,579,880.08 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €1,596,233.38 | €2,985,900.13 | €2,997,746.57 |
| 0 to 6 months behind contractual schedule | |||||||||
| Number of projects | 10 | 0 | 0 | 0 | 0 | 2 | 6 | 2 | 0 |
| Nominal repaid | €5,633,968.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €5,488,668.00 | €145,300.00 | €0.00 |
| Intérêts versés | €1,332,069.50 | €0.00 | €0.00 | €0.00 | €0.00 | €448,292.50 | €883,777.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €10,108,032.00 | €0.00 | €0.00 | €0.00 | €0.00 | €3,250,000.00 | €6,113,332.00 | €744,700.00 | €0.00 |
| Remaining interest payable | €2,131,516.48 | €0.00 | €0.00 | €0.00 | €0.00 | €133,698.63 | €1,813,326.29 | €184,491.56 | €0.00 |
| 0 to 6 months behind schedule | |||||||||
| Number of projects | 21 | 0 | 0 | 0 | 1 | 6 | 12 | 2 | 0 |
| Amount returned | €5,455,567.37 | €0.00 | €0.00 | €0.00 | €1,300,000.00 | €750,000.00 | €1,817,083.74 | €1,588,483.63 | €0.00 |
| Interest paid | €2,520,706.36 | €0.00 | €0.00 | €0.00 | €431,778.00 | €1,071,298.60 | €794,080.78 | €223,548.98 | €0.00 |
| Outstanding nominal amount | €20,316,432.63 | €0.00 | €0.00 | €0.00 | €0.00 | €7,617,000.00 | €8,087,916.26 | €4,611,516.37 | €0.00 |
| Remaining interest payable | €3,227,888.00 | €0.00 | €0.00 | €0.00 | €190,000.00 | €738,152.56 | €1,352,405.87 | €947,329.57 | €0.00 |
| Overdue more than 6 months according to the contract | |||||||||
| Number of projects | 13 | 0 | 0 | 0 | 2 | 9 | 1 | 1 | 0 |
| Nominal repaid | €4,269,083.35 | €0.00 | €0.00 | €0.00 | €1,000,000.00 | €3,166,683.35 | €0.00 | €102,400.00 | €0.00 |
| Interest paid | €2,252,089.64 | €0.00 | €0.00 | €0.00 | €648,911.78 | €1,339,347.86 | €263,830.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €7,590,916.65 | €0.00 | €0.00 | €0.00 | €1,600,000.00 | €4,093,316.65 | €1,750,000.00 | €147,600.00 | €0.00 |
| Remaining interest payable | €1,968,541.03 | €0.00 | €0.00 | €0.00 | €473,961.54 | €1,151,222.52 | €306,081.52 | €37,275.45 | €0.00 |
| Overdue more than 6 months | |||||||||
| Number of projects | 54 | 0 | 0 | 7 | 19 | 21 | 7 | 0 | 0 |
| Nominal amount returned | €16,451,978.88 | €0.00 | €0.00 | €2,297,660.66 | €7,763,541.18 | €6,269,777.04 | €121,000.00 | €0.00 | €0.00 |
| Interest paid | €6,084,539.48 | €0.00 | €0.00 | €649,151.70 | €2,344,517.31 | €2,856,730.34 | €234,140.13 | €0.00 | €0.00 |
| Outstanding nominal amount | €55,071,021.12 | €0.00 | €0.00 | €6,212,339.34 | €16,274,458.82 | €26,470,222.96 | €6,114,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €9,167,260.24 | €0.00 | €0.00 | €350,577.60 | €2,808,143.10 | €5,181,971.00 | €826,568.54 | €0.00 | €0.00 |
| Bankruptcy proceedings | |||||||||
| Number of projects | 36 | 1 | 4 | 2 | 8 | 15 | 6 | 0 | 0 |
| Nominal repaid | €4,494,348.44 | €411,421.00 | €299,300.00 | €1,213,429.71 | €201,470.00 | €1,914,013.73 | €454,714.00 | €0.00 | €0.00 |
| Interest paid | €2,803,736.81 | €157,618.20 | €452,766.50 | €263,598.73 | €854,261.65 | €629,491.73 | €446,000.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €38,564,651.56 | €72,579.00 | €3,550,700.00 | €1,036,570.29 | €14,748,530.00 | €10,075,986.27 | €9,080,286.00 | €0.00 | €0.00 |
| Remaining interest payable | €1,694,998.45 | €0.00 | €165,100.50 | €245,402.00 | €0.00 | €1,284,495.95 | €0.00 | €0.00 | €0.00 |
| Definitive loss | |||||||||
| Number of projects | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Nominal amount outstanding | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Return rate | |||||||||
| Internal return rate net of risk * | 5.19% | 10.93% | 6.54% | 4.64% | 1.35% | 4.50% | 5.37% | 12.20% | 11.92% |
| Maximum possible internal return rate | 10.39% | 11.08% | 9.18% | 9.66% | 10.10% | 10.07% | 10.89% | 12.14% | 11.56% |
| Annualized risk-related cost * | 5.19% | 0.15% | 2.64% | 5.02% | 8.75% | 5.57% | 5.53% | -0.06% | -0.36% |
*The internal rate of return net of risk for loans more than six months in arrears and/or in receivership is calculated on the basis of the following considerations:
- In the case of security interests (mortgages and security trusts), we assume repayment at 75% of the value of the remaining lots or cost price where no valuation is available. This discount corresponds to a possible reduction in the sale price in the context of an auction or private treaty sale, including legal and advisory fees.
- In the case of marketed lots (compromises signed) for an amount greater than the outstanding capital, Raizers considers that recovery will be at 100% of the outstanding capital.
- In the absence of a security interest, Raizers does not anticipate any additional cash flows.
The cost of risk presented is particularly pessimistic in view of the significant discounts and the absence of interest payments in the calculation for all cases more than six months overdue and/or in receivership.
Updated on 3 November 2025
Global indicators
| From calendar year 2016 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Amount financed | ||||
| Number of projects | 32 | 2 | 14 | 16 |
| Nominal amount funded | €24,715,000.00 | €755,000.00 | €11,365,000.00 | €12,595,000.00 |
| Weighted average loan duration | 19 months | 15 months | 20 months | 18 months |
| Weighted average annual rate | 11.20% | 11.46% | 11.78% | 10.67% |
| Reimbursement | ||||
| Nominal repaid | €2,427,150.00 | €755,000.00 | €1,445,000.00 | €227,150.00 |
| Portion of the reimbursed capital | 9.82% | 100.00% | 13.00% | 2.00% |
| Interest paid | €1,161,882.62 | €71,439.79 | €777,692.83 | €312,750.00 |
| Provisions/Losses | €0.00 | €0.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Fully reimbursed | ||||
| Number of projects | 4 | 2 | 2 | 0 |
| Nominal amount returned | €1,490,000.00 | €755,000.00 | €735,000.00 | €0.00 |
| Interest paid | €132,539.25 | €71,439.79 | €61,099.46 | €0.00 |
| Tracking outstanding balances | ||||
| Number of projects | 27 | 0 | 11 | 16 |
| Nominal repaid | €727,150.00 | €0.00 | €500,000.00 | €227,150.00 |
| Interest paid | €1,015,637.67 | €0.00 | €702,887.67 | €312,750.00 |
| Nominal amount outstanding | €22,287,850.00 | €0.00 | €9,920,000.00 | €12,367,850.00 |
| Remaining interest to be paid | €3,173,455.62 | €0.00 | €1,429,952.99 | €1,743,502.63 |
| 0 to 6 months behind contractual schedule | ||||
| Number of projects | 0 | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 | €0.00 |
| Intérêts versés | €0.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | ||||
| Number of projects | 1 | 0 | 1 | 0 |
| Amount returned | €210,000.00 | €0.00 | €210,000.00 | €0.00 |
| Interest paid | €13,705.70 | €0.00 | €13,705.70 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €10,965.94 | €0.00 | €10,965.94 | €0.00 |
| Overdue more than 6 months according to the contract | ||||
| Number of projects | 0 | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 |
| Overdue more than 6 months | ||||
| Number of projects | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | ||||
| Number of projects | 0 | 0 | 0 | 0 |
| Nominal repaid | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 |
| Definitive loss | ||||
| Number of projects | 0 | 0 | 0 | 0 |
| Nominal amount returned | €0.00 | €0.00 | €0.00 | €0.00 |
| Interest paid | €0.00 | €0.00 | €0.00 | €0.00 |
| Nominal amount outstanding | €0.00 | €0.00 | €0.00 | €0.00 |
| Remaining interest payable | €0.00 | €0.00 | €0.00 | €0.00 |
| Return rate | ||||
| Internal return rate net of risk * | 11.46% | 11.45% | 12.21% | 10.78% |
| Maximum possible internal return rate | 11.24% | 11.45% | 11.85% | 10.67% |
| Annualized risk-related cost * | -0.22% | 0.00% | -0.36% | -0.11% |
*The internal rate of return net of risk for loans more than six months in arrears and/or in receivership is calculated on the basis of the following considerations:
- In the case of security interests (mortgages and security trusts), we assume repayment at 75% of the value of the remaining lots or cost price where no valuation is available. This discount corresponds to a possible reduction in the sale price in the context of an auction or private treaty sale, including legal and advisory fees.
- In the case of marketed lots (compromises signed) for an amount greater than the outstanding capital, Raizers considers that recovery will be at 100% of the outstanding capital.
- In the absence of a security interest, Raizers does not anticipate any additional cash flows.
The cost of risk presented is particularly pessimistic in view of the significant discounts and the absence of interest payments in the calculation for all cases more than six months overdue and/or in receivership.
Updated on 16 April 2025
Performance indicators for equities operations
|
From calendar year 2015 |
2015 | 2016 | 2017 | 2018 | 2019 | |
|---|---|---|---|---|---|---|
| Share issue | ||||||
| Amount raised | €13,911,575.00 | €1,607,374.00 | €3,515,730.00 | €6,624,662.00 | €1,463,158.00 | €700,651.00 |
| Number of projects funded | 31 | 7 | 7 | 10 | 5 | 2 |
| Average amount raised | €448,760.00 | €2,229,625.00 | €502,247.00 | €662,466.00 | €292,632.00 | €350,326.00 |
| % innovation | 47.00% | 34.00% | 22.00% | 54.00% | 67.00% | 100.00% |
| % traditional sector | 52.00% | 66.00% | 78.00% | 46.00% | 33.00% | 0.00% |
| Number of positive exits | 6 | 4 | 1 | 1 | 0 | 0 |
| Number of defaults | 9 | 2 | 4 | 2 | 1 | 0 |
| Average duration of collects | 102 months | 0 months | 0 months | 0 months | 0 months | 0 months |
| Average investment per operation | €11,402.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
Health indicators of the operations
|
Riaval by Primoterre
|
Oct 2025
Annecy by Albern
|
Oct 2025
|
|
Via Mare residence
|
Sep 2025
Palacio Arenales by Grupo Moreno
|
Sep 2025
|
|
Residence Villa Sophie
|
Aug 2025
Residence METMAN by Terralia Immobilier
|
Jul 2025
|
|
Velouterie by Patte Blanche
|
Jul 2025
Le Chablais - Lake Geneva
|
Jul 2025
|
|
Terrazas del Lomo by Cenario Meneyes
|
Jul 2025
Chalet Weski - Chamonix
|
Jul 2025
|
|
Bosquet by BRC
|
Jun 2025
Domaine de l'Escalet - Ramatuelle by SPV NC 1
|
Jun 2025
|
|
Château Saint Ange
|
Jun 2025
Padilla by Grupo Saphi
|
Jun 2025
|
|
Maréchal by Horizon Alpin Invest
|
May 2025
Lisbon North by StorInvest Europe
|
May 2025
|
|
Dunkerque by LJM Immo 1
|
May 2025
Excenevex by MYK
|
May 2025
|
|
Bonne by MYK
|
Apr 2025
La Deuxième Frégate by YP
|
Mar 2025
|
|
Riaval by Primoterre Oct 2025 |
|
Annecy by Albern Oct 2025 |
|
Via Mare residence Sep 2025 |
|
Palacio Arenales by Grupo Moreno Sep 2025 |
|
Residence Villa Sophie Aug 2025 |
|
Residence METMAN by Terralia Immobilier Jul 2025 |
|
Velouterie by Patte Blanche Jul 2025 |
|
Le Chablais - Lake Geneva Jul 2025 |
|
Terrazas del Lomo by Cenario Meneyes Jul 2025 |
|
Chalet Weski - Chamonix Jul 2025 |
|
Bosquet by BRC Jun 2025 |
|
Domaine de l'Escalet - Ramatuelle by SPV NC 1 Jun 2025 |
|
Château Saint Ange Jun 2025 |
|
Padilla by Grupo Saphi Jun 2025 |
|
Maréchal by Horizon Alpin Invest May 2025 |
|
Lisbon North by StorInvest Europe May 2025 |
|
Dunkerque by LJM Immo 1 May 2025 |
|
Excenevex by MYK May 2025 |
|
Bonne by MYK Apr 2025 |
|
La Deuxième Frégate by YP Mar 2025 |