Performance Indicators
Updated on 2 May 2025
Global indicators
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Amount financed | |||||||||
| Number of projects | 415 | 13 | 32 | 52 | 83 | 94 | 73 | 54 | 9 |
| Nominal amount funded | €413,317,869.40 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €90,583,869.40 | €117,102,000.00 | €75,147,000.00 | €48,329,000.00 | €5,780,000.00 |
| Weighted average loan duration | 21 months | 29 months | 19 months | 22 months | 21 months | 21 months | 20 months | 19 months | 23 months |
| Weighted average annual rate | 10.21% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.65% | 11.51% | 11.45% |
| Reimbursement | |||||||||
| Nominal repaid | €211,416,260.36 | €5,066,421.00 | €19,974,300.00 | €37,939,498.37 | €53,873,177.67 | €58,695,470.83 | €25,602,849.57 | €8,605,542.92 | €0.00 |
| Portion of the reimbursed capital | 51.15% | 99.00% | 83.00% | 84.00% | 59.00% | 50.00% | 34.00% | 18.00% | 0.00% |
| Interest paid | €42,683,960.99 | €805,848.74 | €2,985,216.91 | €5,527,166.42 | €11,449,530.02 | €14,175,067.62 | €5,421,206.10 | €2,011,695.18 | €23,750.00 |
| Provisions/Losses | €18,684,006.58 | €0.00 | €1,410,000.00 | €3,481,987.48 | €11,980,222.79 | €744,350.31 | €1,067,446.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | |||||||||
| Number of projects | 201 | 12 | 27 | 42 | 51 | 37 | 23 | 4 | 0 |
| Nominal amount returned | €171,702,869.40 | €4,655,000.00 | €19,675,000.00 | €33,983,000.00 | €45,415,869.40 | €49,305,000.00 | €14,810,000.00 | €2,200,000.00 | €0.00 |
| Interest paid | €24,589,554.41 | €648,230.54 | €2,498,625.41 | €4,654,139.59 | €6,843,835.71 | €7,808,488.53 | €1,707,101.58 | €144,653.05 | €0.00 |
| Tracking outstanding balances | |||||||||
| Number of projects | 84 | 0 | 0 | 0 | 0 | 2 | 25 | 48 | 9 |
| Nominal repaid | €9,699,348.50 | €0.00 | €0.00 | €0.00 | €0.00 | €444,897.00 | €3,298,908.58 | €5,955,542.92 | €0.00 |
| Interest paid | €4,178,885.80 | €0.00 | €0.00 | €0.00 | €0.00 | €236,466.28 | €2,051,627.39 | €1,867,042.13 | €23,750.00 |
| Nominal amount outstanding | €72,143,651.50 | €0.00 | €0.00 | €0.00 | €0.00 | €3,457,103.00 | €26,853,091.42 | €36,053,457.08 | €5,780,000.00 |
| Remaining interest to be paid | €12,770,229.21 | €0.00 | €0.00 | €0.00 | €0.00 | €1,057,989.31 | €4,404,615.53 | €6,049,280.37 | €1,258,344.00 |
| 0 to 6 months behind contractual schedule | |||||||||
| Number of projects | 15 | 0 | 0 | 0 | 0 | 6 | 9 | 0 | 0 |
| Nominal repaid | €1,719,860.34 | €0.00 | €0.00 | €0.00 | €0.00 | €261,633.35 | €1,458,226.99 | €0.00 | €0.00 |
| Intérêts versés | €1,245,260.67 | €0.00 | €0.00 | €0.00 | €0.00 | €637,016.38 | €608,244.29 | €0.00 | €0.00 |
| Outstanding nominal amount | €10,870,139.66 | €0.00 | €0.00 | €0.00 | €0.00 | €4,628,366.65 | €6,241,773.01 | €0.00 | €0.00 |
| Remaining interest payable | €1,690,245.83 | €0.00 | €0.00 | €0.00 | €0.00 | €552,752.50 | €1,137,493.33 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | |||||||||
| Number of projects | 24 | 0 | 0 | 0 | 1 | 11 | 10 | 2 | 0 |
| Amount returned | €8,196,029.94 | €0.00 | €0.00 | €0.00 | €0.00 | €2,165,029.94 | €5,581,000.00 | €450,000.00 | €0.00 |
| Interest paid | €2,082,014.66 | €0.00 | €0.00 | €0.00 | €378,578.00 | €1,229,283.82 | €474,152.84 | €0.00 | €0.00 |
| Outstanding nominal amount | €23,438,970.06 | €0.00 | €0.00 | €0.00 | €1,300,000.00 | €11,034,970.06 | €7,434,000.00 | €3,670,000.00 | €0.00 |
| Remaining interest payable | €4,413,691.70 | €0.00 | €0.00 | €0.00 | €182,000.00 | €1,768,630.17 | €1,834,761.36 | €628,300.17 | €0.00 |
| Overdue more than 6 months according to the contract | |||||||||
| Number of projects | 16 | 0 | 0 | 0 | 5 | 8 | 3 | 0 | 0 |
| Nominal repaid | €4,551,606.00 | €0.00 | €0.00 | €0.00 | €3,046,892.00 | €1,050,000.00 | €454,714.00 | €0.00 | €0.00 |
| Interest paid | €3,664,956.42 | €0.00 | €0.00 | €0.00 | €1,318,393.97 | €1,801,482.45 | €545,080.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €15,573,394.00 | €0.00 | €0.00 | €0.00 | €2,453,108.00 | €10,015,000.00 | €3,105,286.00 | €0.00 | €0.00 |
| Remaining interest payable | €2,853,302.90 | €0.00 | €0.00 | €0.00 | €815,581.21 | €1,629,920.36 | €407,801.33 | €0.00 | €0.00 |
| Overdue more than 6 months | |||||||||
| Number of projects | 49 | 0 | 0 | 8 | 19 | 20 | 2 | 0 | 0 |
| Nominal amount returned | €12,632,411.62 | €0.00 | €0.00 | €2,743,068.66 | €5,208,946.27 | €4,680,396.69 | €0.00 | €0.00 | €0.00 |
| Interest paid | €4,909,375.44 | €0.00 | €0.00 | €609,428.10 | €2,054,460.69 | €2,210,486.65 | €35,000.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €47,915,588.38 | €0.00 | €0.00 | €6,416,931.34 | €18,559,053.73 | €22,029,603.31 | €910,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €3,779,548.07 | €0.00 | €0.00 | €93,460.66 | €1,332,611.26 | €2,335,976.15 | €17,500.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | |||||||||
| Number of projects | 26 | 1 | 5 | 2 | 7 | 10 | 1 | 0 | 0 |
| Nominal repaid | €2,914,134.56 | €411,421.00 | €299,300.00 | €1,213,429.71 | €201,470.00 | €788,513.85 | €0.00 | €0.00 | €0.00 |
| Interest paid | €2,013,913.59 | €157,618.20 | €486,591.50 | €263,598.73 | €854,261.65 | €251,843.51 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €31,959,865.44 | €72,579.00 | €4,210,700.00 | €1,036,570.29 | €14,398,530.00 | €7,241,486.15 | €5,000,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €2,152,539.47 | €0.00 | €195,100.50 | €245,402.00 | €0.00 | €1,162,036.97 | €550,000.00 | €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 * | 6.29% | 10.93% | 6.57% | 4.38% | 1.70% | 5.84% | 8.98% | 12.20% | 11.50% |
| Maximum possible internal return rate | 10.40% | 11.08% | 9.42% | 9.75% | 10.07% | 10.05% | 10.87% | 12.02% | 11.45% |
| Annualized risk-related cost * | 4.11% | 0.15% | 2.85% | 5.36% | 8.36% | 4.20% | 1.89% | -0.18% | -0.05% |
*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 17 April 2025
Global indicators
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Amount financed | |||||||||
| Number of projects | 395 | 13 | 32 | 52 | 83 | 94 | 71 | 40 | 5 |
| Nominal amount funded | €399,707,869.40 | €5,139,000.00 | €24,185,000.00 | €45,393,000.00 | €90,583,869.40 | €117,102,000.00 | €74,392,000.00 | €36,964,000.00 | €4,290,000.00 |
| Weighted average loan duration | 21 months | 29 months | 19 months | 22 months | 21 months | 21 months | 20 months | 19 months | 23 months |
| Weighted average annual rate | 10.16% | 10.96% | 9.73% | 9.60% | 9.94% | 9.86% | 10.64% | 11.43% | 11.27% |
| Reimbursement | |||||||||
| Nominal repaid | €209,907,388.62 | €5,066,421.00 | €19,974,300.00 | €37,939,498.37 | €53,873,177.67 | €58,695,470.83 | €24,847,849.57 | €7,851,671.18 | €0.00 |
| Portion of the reimbursed capital | 52.52% | 99.00% | 83.00% | 84.00% | 59.00% | 50.00% | 33.00% | 21.00% | 0.00% |
| Interest paid | €42,172,971.20 | €805,848.74 | €2,985,216.91 | €5,527,166.42 | €11,449,530.02 | €14,175,067.62 | €5,349,766.31 | €1,595,895.18 | €0.00 |
| Provisions/Losses | €18,684,006.58 | €0.00 | €1,410,000.00 | €3,481,987.48 | €11,980,222.79 | €744,350.31 | €1,067,446.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Fully reimbursed | |||||||||
| Number of projects | 199 | 12 | 27 | 42 | 51 | 37 | 21 | 4 | 0 |
| Nominal amount returned | €170,947,869.40 | €4,655,000.00 | €19,675,000.00 | €33,983,000.00 | €45,415,869.40 | €49,305,000.00 | €14,055,000.00 | €2,200,000.00 | €0.00 |
| Interest paid | €24,518,114.62 | €648,230.54 | €2,498,625.41 | €4,654,139.59 | €6,843,835.71 | €7,808,488.53 | €1,635,661.79 | €144,653.05 | €0.00 |
| Tracking outstanding balances | |||||||||
| Number of projects | 66 | 0 | 0 | 0 | 0 | 2 | 25 | 34 | 5 |
| Nominal repaid | €8,945,476.76 | €0.00 | €0.00 | €0.00 | €0.00 | €444,897.00 | €3,298,908.58 | €5,201,671.18 | €0.00 |
| Interest paid | €3,739,335.80 | €0.00 | €0.00 | €0.00 | €0.00 | €236,466.28 | €2,051,627.39 | €1,451,242.13 | €0.00 |
| Nominal amount outstanding | €60,042,523.24 | €0.00 | €0.00 | €0.00 | €0.00 | €3,457,103.00 | €26,853,091.42 | €25,442,328.82 | €4,290,000.00 |
| Remaining interest to be paid | €10,661,623.84 | €0.00 | €0.00 | €0.00 | €0.00 | €1,057,989.31 | €4,404,615.53 | €4,240,194.00 | €958,825.00 |
| 0 to 6 months behind contractual schedule | |||||||||
| Number of projects | 15 | 0 | 0 | 0 | 0 | 6 | 9 | 0 | 0 |
| Nominal repaid | €1,719,860.34 | €0.00 | €0.00 | €0.00 | €0.00 | €261,633.35 | €1,458,226.99 | €0.00 | €0.00 |
| Intérêts versés | €1,245,260.67 | €0.00 | €0.00 | €0.00 | €0.00 | €637,016.38 | €608,244.29 | €0.00 | €0.00 |
| Outstanding nominal amount | €10,870,139.66 | €0.00 | €0.00 | €0.00 | €0.00 | €4,628,366.65 | €6,241,773.01 | €0.00 | €0.00 |
| Remaining interest payable | €1,690,245.83 | €0.00 | €0.00 | €0.00 | €0.00 | €552,752.50 | €1,137,493.33 | €0.00 | €0.00 |
| 0 to 6 months behind schedule | |||||||||
| Number of projects | 24 | 0 | 0 | 0 | 1 | 11 | 10 | 2 | 0 |
| Amount returned | €8,196,029.94 | €0.00 | €0.00 | €0.00 | €0.00 | €2,165,029.94 | €5,581,000.00 | €450,000.00 | €0.00 |
| Interest paid | €2,082,014.66 | €0.00 | €0.00 | €0.00 | €378,578.00 | €1,229,283.82 | €474,152.84 | €0.00 | €0.00 |
| Outstanding nominal amount | €23,438,970.06 | €0.00 | €0.00 | €0.00 | €1,300,000.00 | €11,034,970.06 | €7,434,000.00 | €3,670,000.00 | €0.00 |
| Remaining interest payable | €4,413,691.70 | €0.00 | €0.00 | €0.00 | €182,000.00 | €1,768,630.17 | €1,834,761.36 | €628,300.17 | €0.00 |
| Overdue more than 6 months according to the contract | |||||||||
| Number of projects | 16 | 0 | 0 | 0 | 5 | 8 | 3 | 0 | 0 |
| Nominal repaid | €4,551,606.00 | €0.00 | €0.00 | €0.00 | €3,046,892.00 | €1,050,000.00 | €454,714.00 | €0.00 | €0.00 |
| Interest paid | €3,664,956.42 | €0.00 | €0.00 | €0.00 | €1,318,393.97 | €1,801,482.45 | €545,080.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €15,573,394.00 | €0.00 | €0.00 | €0.00 | €2,453,108.00 | €10,015,000.00 | €3,105,286.00 | €0.00 | €0.00 |
| Remaining interest payable | €2,853,302.90 | €0.00 | €0.00 | €0.00 | €815,581.21 | €1,629,920.36 | €407,801.33 | €0.00 | €0.00 |
| Overdue more than 6 months | |||||||||
| Number of projects | 49 | 0 | 0 | 8 | 19 | 20 | 2 | 0 | 0 |
| Nominal amount returned | €12,632,411.62 | €0.00 | €0.00 | €2,743,068.66 | €5,208,946.27 | €4,680,396.69 | €0.00 | €0.00 | €0.00 |
| Interest paid | €4,909,375.44 | €0.00 | €0.00 | €609,428.10 | €2,054,460.69 | €2,210,486.65 | €35,000.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €47,915,588.38 | €0.00 | €0.00 | €6,416,931.34 | €18,559,053.73 | €22,029,603.31 | €910,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €3,779,548.07 | €0.00 | €0.00 | €93,460.66 | €1,332,611.26 | €2,335,976.15 | €17,500.00 | €0.00 | €0.00 |
| Bankruptcy proceedings | |||||||||
| Number of projects | 26 | 1 | 5 | 2 | 7 | 10 | 1 | 0 | 0 |
| Nominal repaid | €2,914,134.56 | €411,421.00 | €299,300.00 | €1,213,429.71 | €201,470.00 | €788,513.85 | €0.00 | €0.00 | €0.00 |
| Interest paid | €2,013,913.59 | €157,618.20 | €486,591.50 | €263,598.73 | €854,261.65 | €251,843.51 | €0.00 | €0.00 | €0.00 |
| Outstanding nominal amount | €31,959,865.44 | €72,579.00 | €4,210,700.00 | €1,036,570.29 | €14,398,530.00 | €7,241,486.15 | €5,000,000.00 | €0.00 | €0.00 |
| Remaining interest payable | €2,152,539.47 | €0.00 | €195,100.50 | €245,402.00 | €0.00 | €1,162,036.97 | €550,000.00 | €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 * | 6.09% | 10.93% | 6.57% | 4.38% | 1.70% | 5.84% | 8.96% | 12.24% | 11.30% |
| Maximum possible internal return rate | 10.35% | 11.08% | 9.42% | 9.75% | 10.07% | 10.05% | 10.86% | 12.10% | 11.27% |
| Annualized risk-related cost * | 4.25% | 0.15% | 2.85% | 5.36% | 8.36% | 4.20% | 1.90% | -0.15% | -0.03% |
*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 2 May 2025
Global indicators
| From calendar year 2016 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Amount financed | ||||
| Number of projects | 20 | 2 | 14 | 4 |
| Nominal amount funded | €13,610,000.00 | €755,000.00 | €11,365,000.00 | €1,490,000.00 |
| Weighted average loan duration | 20 months | 15 months | 20 months | 21 months |
| Weighted average annual rate | 11.78% | 11.46% | 11.78% | 11.97% |
| Reimbursement | ||||
| Nominal repaid | €1,508,871.74 | €755,000.00 | €753,871.74 | €0.00 |
| Portion of the reimbursed capital | 11.09% | 100.00% | 7.00% | 0.00% |
| Interest paid | €510,989.79 | €71,439.79 | €415,800.00 | €23,750.00 |
| Provisions/Losses | €0.00 | €0.00 | €0.00 | €0.00 |
Reimbursement details
| From calendar year 2016 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Fully reimbursed | ||||
| Number of projects | 2 | 2 | 0 | 0 |
| Nominal amount returned | €755,000.00 | €755,000.00 | €0.00 | €0.00 |
| Interest paid | €71,439.79 | €71,439.79 | €0.00 | €0.00 |
| Tracking outstanding balances | ||||
| Number of projects | 18 | 0 | 14 | 4 |
| Nominal repaid | €753,871.74 | €0.00 | €753,871.74 | €0.00 |
| Interest paid | €439,550.00 | €0.00 | €415,800.00 | €23,750.00 |
| Nominal amount outstanding | €12,101,128.26 | €0.00 | €10,611,128.26 | €1,490,000.00 |
| Remaining interest to be paid | €2,108,605.37 | €0.00 | €1,809,086.37 | €299,519.00 |
| 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 | 0 | 0 | 0 | 0 |
| 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 |
| 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 * | 12.03% | 11.45% | 12.07% | 12.06% |
| Maximum possible internal return rate | 11.78% | 11.45% | 11.78% | 11.97% |
| Annualized risk-related cost * | -0.25% | 0.00% | -0.29% | -0.10% |
*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
|
Bonne by MYK
|
Apr 2025
Elisée Reclus by Ying Promotion
|
Mar 2025
|
|
Fontmerle par Tamarins DVLP
|
Mar 2025
Odysseum by 2A PROMOTION
|
Feb 2025
|
|
Les Calanques by MELLIMMO
|
Feb 2025
Maria Aurelia by Innova Blue
|
Feb 2025
|
|
Puits Neuf by Praestantia
|
Feb 2025
Le Manoir des Montagnes par Baron Di Mistri
|
Jan 2025
|
|
Lucciana by Bati Promo
|
Dec 2024
Gladys by VP GROUP
|
Dec 2024
|
|
Résidence Lorena by EURO CONCEPT PROMOTION
|
Dec 2024
Résidence du Bois de l'Or by JAJ Patrimoine & Promotion
|
Dec 2024
|
|
Rumilly by Horizon Alpin
|
Dec 2024
Caissargues by STS
|
Dec 2024
|
|
Pereire by Prony Investissements
|
Nov 2024
Résidence Peyroutic by Born Invest
|
Nov 2024
|
|
Les Arcades du Rézil by Valérie Chovet Promotion
|
Nov 2024
Aristote by Bourbon Développement
|
Oct 2024
|
|
La Perle Noire by Némésis Promotion
|
Oct 2024
Fonsorbes by Envergure 31
|
Sep 2024
|
|
Bonne by MYK Apr 2025 |
|
Elisée Reclus by Ying Promotion Mar 2025 |
|
Fontmerle par Tamarins DVLP Mar 2025 |
|
Odysseum by 2A PROMOTION Feb 2025 |
|
Les Calanques by MELLIMMO Feb 2025 |
|
Maria Aurelia by Innova Blue Feb 2025 |
|
Puits Neuf by Praestantia Feb 2025 |
|
Le Manoir des Montagnes par Baron Di Mistri Jan 2025 |
|
Lucciana by Bati Promo Dec 2024 |
|
Gladys by VP GROUP Dec 2024 |
|
Résidence Lorena by EURO CONCEPT PROMOTION Dec 2024 |
|
Résidence du Bois de l'Or by JAJ Patrimoine & Promotion Dec 2024 |
|
Rumilly by Horizon Alpin Dec 2024 |
|
Caissargues by STS Dec 2024 |
|
Pereire by Prony Investissements Nov 2024 |
|
Résidence Peyroutic by Born Invest Nov 2024 |
|
Les Arcades du Rézil by Valérie Chovet Promotion Nov 2024 |
|
Aristote by Bourbon Développement Oct 2024 |
|
La Perle Noire by Némésis Promotion Oct 2024 |
|
Fonsorbes by Envergure 31 Sep 2024 |