Statistik › Bewertung › Default rate chaos
Six European crowdfunding platforms publish default rates on six incompatible definitions, and one publishes two that differ by a factor of eight
| Platform and country | Published rate | What the denominator is | Fenster |
|---|---|---|---|
| EstateGuru, Estonia | 27.45% (2023), 20.14% (2025) | non defaulted loans at 1 January of the year | annual, 2020 to 2025 |
| October, France | 5.53% | capital lent, portfolio total | as of 16 March 2024 |
| October, France, same page | 46.71% | outstanding capital | as of 16 March 2024 |
| Lande, Latvia | 5.61% | 1,956 non defaulted loans | 7 February 2024 to 31 December 2025, about 23 months |
| HeavyFinance, Lithuania | 9.66% | principal in default over principal issued | no date published |
| Bondora, Estonia and Finland, research sample | 22.5% | 10,002 loans, lifetime | 21 February 2009 to 11 November 2016 |
| Lietuvos bankas, Lithuania | not a default rate | overdue against active contracts | supervisory returns |
Each figure is published by its own author as a default rate. None of them measures the same thing. The two October figures appear on the same page, computed from footnotes 9 and 10 of that page.
Article 20 obliges every authorised loan platform to publish default rates on a prescribed method. Reading the disclosures gives figures from 5.53 to 46.71 per cent, with denominators, windows and day counts that do not match each other or the method.
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